/* ============================================================
   Megofin – Main Stylesheet
   Brand Colors:
     Orange:  #D77A2F / #C8652E / #E8892A
     Teal:    #1D6D77 / #1F7C83 / #27919E
   ============================================================ */

/* ---------- CSS Variables ---------- */
:root {
    --orange:       #D77A2F;
    --orange-dark:  #C8652E;
    --orange-light: #E8892A;
    --teal:         #1F7C83;
    --teal-dark:    #1D6D77;
    --teal-light:   #27919E;
    --white:        #ffffff;
    --off-white:    #f7f9fc;
    --light-gray:   #eef1f6;
    --border:       #dde3ec;
    --text-dark:    #1a1f36;
    --text-mid:     #4a5568;
    --text-light:   #718096;
    --shadow-sm:    0 2px 8px rgba(0,0,0,.07);
    --shadow-md:    0 6px 24px rgba(0,0,0,.10);
    --shadow-lg:    0 16px 48px rgba(0,0,0,.14);
    --radius-sm:    8px;
    --radius-md:    16px;
    --radius-lg:    24px;
    --transition:   .3s ease;
    --gradient-orange: linear-gradient(135deg, #E8892A 0%, #C8652E 100%);
    --gradient-teal:   linear-gradient(135deg, #27919E 0%, #1D6D77 100%);
    --gradient-hero:   linear-gradient(135deg, #1a1f36 0%, #1D6D77 60%, #1F7C83 100%);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: 'Poppins', 'Inter', sans-serif;
    color: var(--text-dark);
    background: var(--white);
    line-height: 1.7;
    overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
input, select, textarea, button { font-family: inherit; }

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ---------- Typography Helpers ---------- */
.section-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--orange);
    background: rgba(215,122,47,.10);
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 14px;
}

.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-header h2 {
    font-size: clamp(1.9rem, 3vw, 2.6rem);
    font-weight: 700;
    color: var(--text-dark);
    line-height: 1.25;
    margin-bottom: 14px;
}

.section-header h2 span { color: var(--orange); }

.section-header.light h2 { color: var(--white); }
.section-header.light .section-tag {
    color: var(--orange-light);
    background: rgba(232,137,42,.15);
}
.section-header.light .section-sub { color: rgba(255,255,255,.75); }

.section-sub {
    max-width: 640px;
    margin: 0 auto;
    color: var(--text-mid);
    font-size: .98rem;
}

span.text-orange { color: var(--orange); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 30px;
    border-radius: 50px;
    font-weight: 600;
    font-size: .93rem;
    cursor: pointer;
    transition: all var(--transition);
    border: 2px solid transparent;
}

.btn-primary {
    background: var(--gradient-orange);
    color: var(--white);
    box-shadow: 0 4px 20px rgba(200,101,46,.35);
}
.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(200,101,46,.45);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,.5);
}
.btn-outline:hover {
    background: rgba(255,255,255,.12);
    border-color: var(--white);
    transform: translateY(-2px);
}

.full-width { width: 100%; justify-content: center; border-radius: var(--radius-sm); }

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
    background: var(--teal-dark);
    color: rgba(255,255,255,.85);
    font-size: .8rem;
    padding: 8px 0;
}

.top-bar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 8px;
}

.top-bar-left { display: flex; gap: 24px; flex-wrap: wrap; }
.top-bar-left span { display: flex; align-items: center; gap: 6px; }
.top-bar-left i { color: var(--orange-light); }

.top-bar-right { display: flex; gap: 14px; }
.top-bar-right a {
    width: 28px; height: 28px;
    border-radius: 50%;
    background: rgba(255,255,255,.10);
    display: flex; align-items: center; justify-content: center;
    font-size: .75rem;
    transition: background var(--transition);
}
.top-bar-right a:hover { background: var(--orange); }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--white);
    box-shadow: var(--shadow-sm);
    transition: box-shadow var(--transition);
}

.navbar.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,.12); }

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 14px;
    padding-bottom: 14px;
}

.nav-logo img { height: 60px; object-fit: contain; }

.nav-links {
    display: flex;
    align-items: center;
    gap: 6px;
}

.nav-links a {
    font-size: .87rem;
    font-weight: 500;
    color: var(--text-dark);
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    transition: color var(--transition), background var(--transition);
}

.nav-links a:hover { color: var(--teal); background: rgba(31,124,131,.07); }
.nav-links a.active { color: var(--teal); }

.nav-links .btn-apply {
    background: var(--gradient-orange);
    color: var(--white);
    padding: 10px 22px;
    border-radius: 50px;
    font-size: .84rem;
    box-shadow: 0 4px 14px rgba(200,101,46,.3);
}
.nav-links .btn-apply:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(200,101,46,.4); }

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}
.hamburger span {
    width: 26px; height: 2.5px;
    background: var(--text-dark);
    border-radius: 2px;
    transition: all .3s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
    position: relative;
    background: var(--gradient-hero);
    min-height: 92vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: 20px 0 60px;
}

.hero-bg-shapes .shape {
    position: absolute;
    border-radius: 50%;
    opacity: .07;
}
.shape-1 {
    width: 600px; height: 600px;
    background: var(--orange);
    top: -200px; right: -150px;
}
.shape-2 {
    width: 400px; height: 400px;
    background: var(--teal-light);
    bottom: -100px; left: -100px;
}
.shape-3 {
    width: 200px; height: 200px;
    background: var(--orange-light);
    top: 50%; left: 40%;
    opacity: .05;
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--orange-light);
    background: rgba(232,137,42,.15);
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 16px;
    border: 1px solid rgba(232,137,42,.3);
}

.hero-text h1 {
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 20px;
}

.hero-text h1 span {
    background: var(--gradient-orange);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-sub {
    color: rgba(255,255,255,.75);
    font-size: 1rem;
    max-width: 520px;
    margin-bottom: 32px;
    font-weight: 400;
}

.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-stats {
    display: flex;
    align-items: center;
    gap: 24px;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--radius-md);
    padding: 20px 28px;
    backdrop-filter: blur(10px);
}

.stat h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    line-height: 1;
    margin-bottom: 4px;
}

.stat p {
    font-size: .77rem;
    color: rgba(255,255,255,.65);
    margin: 0;
}

.stat-divider {
    width: 1px;
    height: 36px;
    background: rgba(255,255,255,.2);
}

/* --- Hero Cards --- */
.hero-image { position: relative; height: 480px; }

.hero-card-stack { position: relative; width: 100%; height: 100%; }

.floating-card {
    position: absolute;
    background: rgba(255,255,255,.95);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: 20px 24px;
    animation: float 4s ease-in-out infinite;
}

.floating-card.card-main {
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 220px;
    display: flex;
    align-items: center;
    gap: 14px;
    z-index: 3;
}

.card-icon {
    width: 48px; height: 48px;
    border-radius: 12px;
    background: var(--gradient-orange);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.3rem;
    color: var(--white);
    flex-shrink: 0;
}

.card-body p { font-size: .78rem; color: var(--text-mid); margin-bottom: 2px; }
.card-body h4 { font-size: 1rem; font-weight: 700; color: var(--text-dark); }
.badge {
    display: inline-block;
    background: rgba(31,124,131,.1);
    color: var(--teal);
    font-size: .7rem;
    font-weight: 600;
    padding: 2px 8px;
    border-radius: 50px;
    margin-top: 4px;
}

.floating-card.card-2 {
    top: 10%; left: 5%;
    text-align: center;
    padding: 16px 20px;
    animation-delay: .5s;
}
.floating-card.card-2 i { font-size: 1.6rem; color: #22c55e; margin-bottom: 6px; }
.floating-card.card-2 p { font-size: .82rem; font-weight: 600; color: var(--text-dark); }
.floating-card.card-2 small { font-size: .72rem; color: var(--text-light); }

.floating-card.card-3 {
    top: 12%; right: 5%;
    text-align: center;
    padding: 16px 20px;
    animation-delay: 1s;
}
.floating-card.card-3 i { font-size: 1.6rem; color: var(--teal); margin-bottom: 6px; display: block; }
.floating-card.card-3 p { font-size: .82rem; font-weight: 600; }
.floating-card.card-3 small { font-size: .72rem; color: var(--text-light); }

.floating-card.card-4 {
    bottom: 12%; left: 5%;
    animation-delay: 1.5s;
    padding: 16px 20px;
}



.floating-card.card-5 i { font-size: 1.6rem; color: var(--teal); margin-bottom: 6px; display: block; }
.floating-card.card-5 p { font-size: .82rem; font-weight: 600; }
.floating-card.card-5 small { font-size: .72rem; color: var(--text-light); }

.floating-card.card-5 {
    bottom: 12%; right: 5%;
    text-align: center;
    padding: 16px 20px;
    animation-delay: 1s;
}

.mini-chart {
    display: flex;
    align-items: flex-end;
    gap: 4px;
    height: 40px;
    margin-bottom: 8px;
}
.mini-chart .bar {
    width: 10px;
    background: var(--gradient-teal);
    border-radius: 4px 4px 0 0;
    flex: 1;
}

.floating-card.card-4 small { font-size: .72rem; color: var(--text-mid); font-weight: 500; }

@keyframes float {
    0%, 100% { transform: translate(-50%, -50%) translateY(0); }
    50% { transform: translate(-50%, -50%) translateY(-12px); }
}

.floating-card.card-2, .floating-card.card-3, .floating-card.card-4, .floating-card.card-5 {
    animation: floatSimple 4s ease-in-out infinite;
}

@keyframes floatSimple {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

.hero-wave {
    position: absolute;
    bottom: 0; left: 0; right: 0;
}
.hero-wave svg { display: block; width: 100%; height: 80px; }

/* ============================================================
   MARQUEE
   ============================================================ */
.marquee-section {
    background: var(--white);
    padding: 24px 0;
    border-bottom: 1px solid var(--border);
    overflow: hidden;
}

.marquee-label {
    text-align: center;
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-light);
    margin-bottom: 16px;
}

.marquee-track { overflow: hidden; }

.marquee-inner {
    display: flex;
    gap: 40px;
    white-space: nowrap;
    animation: marquee 30s linear infinite;
    width: max-content;
}

.marquee-inner span {
    font-size: .88rem;
    font-weight: 600;
    color: var(--text-mid);
    padding: 8px 20px;
    background: var(--off-white);
    border-radius: 50px;
    border: 1px solid var(--border);
    white-space: nowrap;
}

@keyframes marquee {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
}

/* ============================================================
   ABOUT
   ============================================================ */
.about-section {
    padding: 100px 0;
    background: var(--off-white);
}

.about-inner {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 80px;
    align-items: center;
}

.about-img-box {
    position: relative;
    height: 460px;
}

.about-img-main {
    width: 100%; height: 100%;
    background: var(--gradient-teal);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.shield-icon {
    font-size: 9rem;
    color: rgba(255,255,255,.15);
    position: absolute;
}

.about-img-overlay {
    width: 120px; height: 120px;
    background: var(--gradient-orange);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 3.5rem;
    color: var(--white);
    box-shadow: 0 8px 40px rgba(200,101,46,.5);
    z-index: 1;
}

.about-badge-1, .about-badge-2 {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: var(--shadow-md);
}

.about-badge-1 {
    bottom: 30px;
    left: -30px;
}
.about-badge-2 {
    top: 30px;
    right: -30px;
}

.about-badge-1 i { font-size: 1.6rem; color: var(--teal); }
.about-badge-2 i { font-size: 1.6rem; color: var(--orange); }

.about-badge-1 strong, .about-badge-2 strong {
    display: block;
    font-size: .9rem;
    color: var(--text-dark);
}
.about-badge-1 small, .about-badge-2 small {
    font-size: .75rem;
    color: var(--text-light);
}

.about-content p {
    color: var(--text-mid);
    margin-bottom: 16px;
    line-height: 1.8;
}

.about-content h2 {
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.25;
}
.about-content h2 span { color: var(--orange); }

.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin: 24px 0 32px;
}

.about-feat {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: .88rem;
    font-weight: 500;
    color: var(--text-dark);
}
.about-feat i { color: var(--teal); font-size: 1rem; }

/* ============================================================
   SERVICES
   ============================================================ */
.services-section {
    padding: 100px 0;
    background: var(--white);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.service-card {
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    padding: 36px 28px;
    position: relative;
    transition: all var(--transition);
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--gradient-orange);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.service-card.featured {
    background: var(--gradient-teal);
    border-color: transparent;
    color: var(--white);
}
.service-card.featured::before { display: none; }
.service-card.featured h3, .service-card.featured p { color: var(--white); }
.service-card.featured li { color: rgba(255,255,255,.85); }
.service-card.featured .service-link { color: var(--orange-light); }

.service-badge {
    position: absolute;
    top: 16px; right: 16px;
    background: var(--orange);
    color: var(--white);
    font-size: .7rem;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 50px;
    letter-spacing: .5px;
}

.service-icon {
    width: 60px; height: 60px;
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    color: var(--white);
    margin-bottom: 20px;
}
.service-icon.orange { background: var(--gradient-orange); }
.service-icon.teal   { background: var(--gradient-teal); }

.service-card h3 {
    font-size: 1.12rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-dark);
}
.service-card p {
    font-size: .87rem;
    color: var(--text-mid);
    margin-bottom: 16px;
    line-height: 1.7;
}
.service-card ul { margin-bottom: 20px; }
.service-card ul li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: .83rem;
    color: var(--text-mid);
    padding: 4px 0;
}
.service-card ul li i { color: var(--teal); font-size: .75rem; }
.service-card.featured ul li i { color: var(--orange-light); }

.service-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: .84rem;
    font-weight: 600;
    color: var(--orange);
    transition: gap var(--transition);
}
.service-link:hover { gap: 12px; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-section {
    padding: 100px 0;
    background: var(--gradient-hero);
    position: relative;
    overflow: hidden;
}

.how-section::before {
    content: '';
    position: absolute;
    width: 500px; height: 500px;
    background: var(--orange);
    border-radius: 50%;
    opacity: .04;
    top: -200px; right: -100px;
}

.steps-grid {
    display: flex;
    align-items: flex-start;
    gap: 0;
}

.step-card {
    flex: 1;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--radius-md);
    padding: 36px 24px;
    text-align: center;
    transition: all var(--transition);
    position: relative;
}

.step-card:hover {
    background: rgba(255,255,255,.10);
    transform: translateY(-4px);
}

.step-num {
    font-size: 3rem;
    font-weight: 800;
    color: rgba(255,255,255,.08);
    line-height: 1;
    margin-bottom: 4px;
}

.step-icon {
    width: 60px; height: 60px;
    background: var(--gradient-orange);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.3rem;
    color: var(--white);
    margin: 0 auto 16px;
    box-shadow: 0 4px 16px rgba(200,101,46,.4);
}

.step-card h4 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 10px;
}
.step-card p {
    font-size: .83rem;
    color: rgba(255,255,255,.65);
    line-height: 1.7;
}

.step-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,.3);
    font-size: 1.2rem;
    padding: 0 8px;
    margin-top: 60px;
    flex-shrink: 0;
}

/* ============================================================
   EMI CALCULATOR
   ============================================================ */
.calculator-section {
    padding: 100px 0;
    background: var(--off-white);
}

.calc-inner {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    align-items: flex-start;
}

.calc-content h2 {
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    margin-bottom: 16px;
}
.calc-content h2 span { color: var(--orange); }
.calc-content > p { color: var(--text-mid); margin-bottom: 36px; }

.calc-form { display: flex; flex-direction: column; gap: 28px; }

.calc-field { display: flex; flex-direction: column; gap: 8px; }

.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.calc-label-row label {
    font-size: .88rem;
    font-weight: 600;
    color: var(--text-dark);
}
.calc-val {
    font-size: .9rem;
    font-weight: 700;
    color: var(--orange);
    background: rgba(215,122,47,.1);
    padding: 4px 12px;
    border-radius: 50px;
}

input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--border);
    border-radius: 50px;
    outline: none;
    cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px; height: 20px;
    background: var(--gradient-orange);
    border-radius: 50%;
    box-shadow: 0 2px 8px rgba(200,101,46,.4);
    cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
    width: 20px; height: 20px;
    background: var(--gradient-orange);
    border: none;
    border-radius: 50%;
    cursor: pointer;
}

.range-minmax {
    display: flex;
    justify-content: space-between;
    font-size: .73rem;
    color: var(--text-light);
}

/* Calc Results */
.calc-results {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    box-shadow: var(--shadow-md);
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.emi-display {
    text-align: center;
    padding: 28px;
    background: var(--gradient-teal);
    border-radius: var(--radius-md);
}
.emi-display p {
    font-size: .85rem;
    color: rgba(255,255,255,.8);
    margin-bottom: 6px;
}
.emi-display h2 {
    font-size: 2.8rem;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -1px;
}

.emi-breakdown { display: flex; flex-direction: column; gap: 12px; }

.emi-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px dashed var(--border);
    font-size: .9rem;
}
.emi-row span { color: var(--text-mid); }
.emi-row strong { font-weight: 700; color: var(--text-dark); }
.emi-row.total { border-bottom: none; border-top: 2px solid var(--border); padding-top: 14px; }
.emi-row.total strong { color: var(--teal); font-size: 1rem; }
.text-orange { color: var(--orange) !important; }

.emi-donut {
    position: relative;
    width: 150px;
    height: 150px;
    margin: 0 auto;
}

.donut-center {
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    text-align: center;
}
.donut-center small { font-size: .68rem; color: var(--text-light); display: block; }
.donut-center strong { font-size: 1.2rem; font-weight: 700; color: var(--teal); }

/* ============================================================
   STATS
   ============================================================ */
.stats-section {
    padding: 80px 0;
    background: var(--gradient-orange);
    position: relative;
    overflow: hidden;
}

.stats-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

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

.stat-item {
    text-align: center;
    color: var(--white);
}

.stat-icon {
    width: 56px; height: 56px;
    background: rgba(255,255,255,.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.3rem;
    margin: 0 auto 14px;
}

.stat-item h3 {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--white);
    line-height: 1;
    margin-bottom: 6px;
}
.stat-item p {
    font-size: .85rem;
    color: rgba(255,255,255,.8);
    font-weight: 500;
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-section {
    padding: 100px 0;
    background: var(--white);
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.why-card {
    padding: 36px 28px;
    background: var(--off-white);
    border-radius: var(--radius-md);
    border: 1.5px solid var(--border);
    transition: all var(--transition);
}

.why-card:hover {
    background: var(--white);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
    border-color: rgba(31,124,131,.15);
}

.why-icon {
    width: 56px; height: 56px;
    background: var(--gradient-teal);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.3rem;
    color: var(--white);
    margin-bottom: 18px;
    transition: transform var(--transition);
}
.why-card:hover .why-icon { transform: scale(1.1); }

.why-card h4 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-dark);
}
.why-card p {
    font-size: .85rem;
    color: var(--text-mid);
    line-height: 1.7;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
    padding: 100px 0;
    background: var(--gradient-hero);
    position: relative;
    overflow: hidden;
}

.testimonials-slider {
    position: relative;
    min-height: 240px;
    margin-bottom: 32px;
}

.testimonial-card {
    display: none;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--radius-lg);
    padding: 48px 52px;
    max-width: 800px;
    margin: 0 auto;
    animation: fadeSlide .5s ease;
}

.testimonial-card.active { display: block; }

@keyframes fadeSlide {
    from { opacity: 0; transform: translateY(20px); }
    to   { opacity: 1; transform: translateY(0); }
}

.quote-icon {
    font-size: 2rem;
    color: var(--orange);
    margin-bottom: 20px;
    opacity: .7;
}

.testimonial-card > p {
    font-size: 1.05rem;
    color: rgba(255,255,255,.9);
    line-height: 1.8;
    margin-bottom: 28px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 16px;
}

.author-avatar {
    width: 50px; height: 50px;
    border-radius: 50%;
    background: var(--gradient-orange);
    display: flex; align-items: center; justify-content: center;
    font-weight: 700;
    font-size: .9rem;
    color: var(--white);
    flex-shrink: 0;
}

.testimonial-author strong {
    display: block;
    font-size: .95rem;
    color: var(--white);
    margin-bottom: 2px;
}
.testimonial-author small {
    font-size: .77rem;
    color: rgba(255,255,255,.6);
}

.stars {
    margin-left: auto;
    font-size: 1.1rem;
    color: #fbbf24;
    letter-spacing: 2px;
}

.slider-controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
}

.slider-controls button {
    width: 40px; height: 40px;
    border-radius: 50%;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    color: var(--white);
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    transition: all var(--transition);
    font-size: .85rem;
}
.slider-controls button:hover { background: var(--orange); border-color: var(--orange); }

.slider-dots { display: flex; gap: 8px; }
.dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,.3);
    cursor: pointer;
    transition: all var(--transition);
}
.dot.active {
    background: var(--orange);
    width: 24px;
    border-radius: 50px;
}

/* ============================================================
   APPLY FORM
   ============================================================ */
.apply-section {
    padding: 100px 0;
    background: var(--off-white);
}

.apply-inner {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: flex-start;
}

.apply-text h2 {
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.25;
}
.apply-text h2 span { color: var(--orange); }
.apply-text > p {
    color: var(--text-mid);
    margin-bottom: 28px;
    line-height: 1.8;
}

.apply-perks { display: flex; flex-direction: column; gap: 12px; }
.perk {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: .9rem;
    font-weight: 500;
    color: var(--text-dark);
}
.perk i { color: var(--teal); font-size: 1.1rem; }

.apply-form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 36px;
    box-shadow: var(--shadow-lg);
}

.apply-form-card h3 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 28px;
    color: var(--text-dark);
    padding-bottom: 16px;
    border-bottom: 2px solid var(--border);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 0;
}

.form-group label {
    font-size: .82rem;
    font-weight: 600;
    color: var(--text-dark);
}

.form-group input,
.form-group select {
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: .88rem;
    color: var(--text-dark);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(31,124,131,.1);
}

.form-group input.error,
.form-group select.error { border-color: #ef4444; }

.err {
    font-size: .75rem;
    color: #ef4444;
    display: block;
}

.radio-group {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-top: 4px;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: .85rem;
    cursor: pointer;
    color: var(--text-mid);
}

.radio-label input[type="radio"] { accent-color: var(--teal); }

.form-group.consent { margin-top: 8px; }

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: .8rem;
    color: var(--text-mid);
    cursor: pointer;
    line-height: 1.5;
}
.checkbox-label input { accent-color: var(--teal); margin-top: 2px; flex-shrink: 0; }
.checkbox-label a { color: var(--teal); text-decoration: underline; }

#submitBtn {
    margin-top: 20px;
    padding: 16px;
    font-size: .95rem;
}

.form-success {
    text-align: center;
    padding: 40px 20px;
}
.form-success i {
    font-size: 3.5rem;
    color: #22c55e;
    display: block;
    margin-bottom: 16px;
}
.form-success h4 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 8px;
}
.form-success p { color: var(--text-mid); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-section {
    padding: 100px 0;
    background: var(--white);
}

.contact-inner { display: flex; flex-direction: column; gap: 52px; }

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 48px;
    align-items: start;
}

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

.contact-card {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    padding: 20px 24px;
    background: var(--off-white);
    border-radius: var(--radius-md);
    border: 1.5px solid var(--border);
    transition: all var(--transition);
}
.contact-card:hover { border-color: rgba(31,124,131,.2); box-shadow: var(--shadow-sm); }

.contact-icon {
    width: 48px; height: 48px;
    border-radius: var(--radius-sm);
    background: var(--gradient-teal);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem;
    color: var(--white);
    flex-shrink: 0;
}

.contact-card h4 {
    font-size: .9rem;
    font-weight: 700;
    margin-bottom: 4px;
    color: var(--text-dark);
}
.contact-card p {
    font-size: .84rem;
    color: var(--text-mid);
    line-height: 1.6;
    margin: 0;
}

.social-links {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 8px;
}

.social-btn {
    width: 42px; height: 42px;
    border-radius: 50%;
    background: var(--off-white);
    border: 1.5px solid var(--border);
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
    color: var(--text-mid);
    transition: all var(--transition);
}
.social-btn:hover {
    background: var(--gradient-teal);
    color: var(--white);
    border-color: transparent;
    transform: translateY(-3px);
}
.social-btn.whatsapp:hover { background: linear-gradient(135deg, #25D366, #128C7E); }

.contact-map {
    height: 400px;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer { background: var(--text-dark); }

.footer-top { padding: 72px 0 48px; }

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: 48px;
}

.footer-logo { height: 52px; margin-bottom: 16px; }

.footer-brand p {
    font-size: .84rem;
    color: rgba(255,255,255,.55);
    line-height: 1.8;
    margin-bottom: 20px;
}

.footer-socials { display: flex; gap: 10px; }
.footer-socials a {
    width: 36px; height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,.08);
    display: flex; align-items: center; justify-content: center;
    font-size: .8rem;
    color: rgba(255,255,255,.6);
    transition: all var(--transition);
}
.footer-socials a:hover { background: var(--orange); color: var(--white); }

.footer-links h4 {
    font-size: .9rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 18px;
    position: relative;
    padding-bottom: 10px;
}
.footer-links h4::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 28px; height: 2px;
    background: var(--orange);
    border-radius: 2px;
}

.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links ul li a {
    font-size: .83rem;
    color: rgba(255,255,255,.55);
    transition: color var(--transition);
    display: flex; align-items: center; gap: 6px;
}
.footer-links ul li a:hover { color: var(--orange-light); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 20px 0;
}

.footer-bottom-inner {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    text-align: center;
}

.footer-bottom p {
    font-size: .78rem;
    color: rgba(255,255,255,.4);
}

/* ============================================================
   BACK TO TOP & WHATSAPP FLOAT
   ============================================================ */
.back-to-top {
    position: fixed;
    bottom: 90px; right: 24px;
    width: 44px; height: 44px;
    border-radius: 50%;
    background: var(--gradient-teal);
    border: none;
    color: var(--white);
    font-size: .9rem;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 16px rgba(31,124,131,.4);
    opacity: 0;
    transform: translateY(20px);
    transition: all var(--transition);
    z-index: 999;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover { transform: translateY(-3px) scale(1.05); }

.whatsapp-float {
    position: fixed;
    bottom: 24px; right: 24px;
    display: flex;
    align-items: center;
    gap: 10px;
    background: #25D366;
    color: var(--white);
    padding: 12px 20px 12px 14px;
    border-radius: 50px;
    font-size: .85rem;
    font-weight: 600;
    box-shadow: 0 4px 20px rgba(37,211,102,.4);
    z-index: 999;
    transition: all var(--transition);
}
.whatsapp-float i { font-size: 1.4rem; }
.whatsapp-float:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(37,211,102,.5); }

/* ============================================================
   ANIMATIONS (simple AOS-like)
   ============================================================ */
[data-aos] {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .7s ease, transform .7s ease;
}
[data-aos].aos-animate {
    opacity: 1;
    transform: translateY(0);
}
[data-aos][data-delay="50"]  { transition-delay: .05s; }
[data-aos][data-delay="100"] { transition-delay: .1s; }
[data-aos][data-delay="150"] { transition-delay: .15s; }
[data-aos][data-delay="200"] { transition-delay: .2s; }
[data-aos][data-delay="250"] { transition-delay: .25s; }
[data-aos][data-delay="300"] { transition-delay: .3s; }

[data-aos="fade-right"] { transform: translateX(-30px); }
[data-aos="fade-right"].aos-animate { transform: translateX(0); }

[data-aos="fade-left"] { transform: translateX(30px); }
[data-aos="fade-left"].aos-animate { transform: translateX(0); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-image { height: 360px; }
    .about-inner { grid-template-columns: 1fr; gap: 48px; }
    .about-img-box { height: 320px; }
    .about-badge-1 { left: 0; }
    .about-badge-2 { right: 0; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .calc-inner { grid-template-columns: 1fr; gap: 48px; }
    .apply-inner { grid-template-columns: 1fr; gap: 48px; }
    .contact-grid { grid-template-columns: 1fr; }
    .contact-map { height: 300px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
    .steps-grid { flex-direction: column; }
    .step-arrow { display: none; }
}

@media (max-width: 768px) {
    .top-bar { display: none; }

    .nav-links {
        position: fixed;
        top: 0; right: -100%;
        width: 280px; height: 100vh;
        background: var(--white);
        flex-direction: column;
        align-items: flex-start;
        padding: 80px 28px 28px;
        box-shadow: var(--shadow-lg);
        transition: right .35s ease;
        gap: 4px;
        z-index: 2000;
        overflow-y: auto;
    }
    .nav-links.open { right: 0; }
    .nav-links a { width: 100%; padding: 12px 16px; border-radius: var(--radius-sm); font-size: .93rem; }
    .nav-links .btn-apply { margin-top: 12px; }

    .hamburger { display: flex; z-index: 2001; }

    .hero { min-height: auto; padding: 60px 0 40px; }
    .hero-text h1 { font-size: 2rem; }
    .hero-stats { flex-direction: column; gap: 16px; text-align: center; }
    .stat-divider { width: 80px; height: 1px; }

    .services-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr 1fr; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }

    .form-row { grid-template-columns: 1fr; }

    .testimonial-card { padding: 32px 24px; }

    .apply-form-card { padding: 28px 20px; }

    .footer-grid { grid-template-columns: 1fr; gap: 36px; }

    .hero-image { display: none; }
}

@media (max-width: 480px) {
    .hero-cta { flex-direction: column; }
    .btn { width: 100%; justify-content: center; }
    .why-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .about-features { grid-template-columns: 1fr; }
    .whatsapp-float span { display: none; }
    .whatsapp-float { padding: 13px; border-radius: 50%; }
}