/* ══════════════════════════════════════
   Aqua Invest LTD – Shared Stylesheet
   ══════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,600&family=Plus+Jakarta+Sans:wght@300;400;500;600;700&display=swap');

:root {
  --forest: #1B3A2D;
  --forest-mid: #2C5440;
  --forest-light: #3D7056;
  --emerald: #4CAF82;
  --emerald-pale: #A8D5BC;
  --cream: #F7F3ED;
  --warm-white: #FDFAF6;
  --sand: #E8DFD0;
  --sand-dark: #C9B99A;
  --charcoal: #1A1A1A;
  --gray: #6B7280;
  --light-gray: #F3F4F6;
  --border: #DDD7CE;
  --white: #FFFFFF;
  --amber: #D4A030;
  --amber-light: #F0C060;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  background: var(--warm-white);
  color: var(--charcoal);
  overflow-x: hidden;
}

/* ── NAVBAR ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(27, 58, 45, 0.97);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(76, 175, 130, 0.15);
  padding: 0 44px;
  height: 72px;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-left { display: flex; align-items: center; gap: 24px; }
.lang-selector { position: relative; }
.lang-btn {
  background: rgba(76, 175, 130, 0.12);
  border: 1px solid rgba(76, 175, 130, 0.35);
  color: var(--emerald-pale);
  padding: 7px 14px;
  border-radius: 8px;
  cursor: pointer;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 13px; font-weight: 600;
  display: flex; align-items: center; gap: 7px;
  transition: all 0.2s;
}
.lang-btn:hover { background: rgba(76,175,130,0.25); }
.lang-dropdown {
  display: none;
  position: absolute; top: calc(100% + 10px); left: 0;
  background: var(--forest);
  border: 1px solid rgba(76,175,130,0.2);
  border-radius: 12px; overflow: hidden;
  min-width: 170px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.4); z-index: 99;
}
.lang-dropdown.open { display: block; }
.lang-option {
  padding: 11px 18px; cursor: pointer;
  font-size: 13px; color: #9BB8A8;
  display: flex; align-items: center; gap: 10px; transition: all 0.2s;
}
.lang-option:hover { background: rgba(76,175,130,0.15); color: var(--emerald-pale); }
.lang-flag { font-size: 17px; }

.logo {
  font-family: 'Playfair Display', serif;
  font-size: 21px; font-weight: 700;
  color: var(--white); letter-spacing: 0.01em;
  text-decoration: none; cursor: pointer;
}
.logo span { color: var(--emerald); }

.nav-links { display: flex; align-items: center; gap: 36px; }
.nav-links a {
  color: #9BB8A8; text-decoration: none;
  font-size: 14px; font-weight: 500;
  transition: color 0.2s; cursor: pointer; letter-spacing: 0.01em;
}
.nav-links a:hover,
.nav-links a.active { color: var(--emerald-pale); }
.nav-cta {
  background: linear-gradient(135deg, var(--emerald), #38A86E) !important;
  color: var(--white) !important;
  padding: 10px 24px !important; border-radius: 8px !important;
  font-weight: 700 !important; transition: all 0.2s !important;
  box-shadow: 0 4px 14px rgba(76,175,130,0.3);
}
.nav-cta:hover { transform: translateY(-1px) !important; box-shadow: 0 8px 24px rgba(76,175,130,0.4) !important; }

/* ── BUTTONS ── */
.btn-main {
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  color: var(--white); padding: 14px 34px; border-radius: 10px;
  font-weight: 700; font-size: 15px; text-decoration: none;
  transition: all 0.3s; display: inline-flex; align-items: center; gap: 8px;
  cursor: pointer; border: none; font-family: 'Plus Jakarta Sans', sans-serif;
  box-shadow: 0 6px 20px rgba(76,175,130,0.35);
}
.btn-main:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(76,175,130,0.45); }
.btn-ghost {
  background: transparent; color: #9BB8A8;
  padding: 14px 34px; border-radius: 10px;
  font-weight: 600; font-size: 15px;
  border: 1.5px solid rgba(255,255,255,0.15);
  text-decoration: none; transition: all 0.3s;
  display: inline-flex; align-items: center; gap: 8px; cursor: pointer;
  font-family: 'Plus Jakarta Sans', sans-serif;
}
.btn-ghost:hover { border-color: var(--emerald); color: var(--emerald-pale); }

/* ── SECTIONS ── */
section { padding: 96px 44px; max-width: 1240px; margin: 0 auto; }
.section-full { padding: 96px 44px; }
.section-full .inner { max-width: 1240px; margin: 0 auto; }

.tag {
  display: inline-block; color: var(--emerald);
  font-size: 11px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; margin-bottom: 14px;
  padding: 5px 14px; background: rgba(76,175,130,0.1);
  border-radius: 100px; border: 1px solid rgba(76,175,130,0.25);
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(30px, 3.5vw, 50px); font-weight: 700;
  color: var(--forest); line-height: 1.15; margin-bottom: 16px;
}
.section-title em { color: var(--emerald); font-style: italic; }
.section-desc { font-size: 16px; color: var(--gray); line-height: 1.75; max-width: 540px; }

/* ── FEATURES STRIP ── */
.features-strip {
  background: var(--cream); padding: 44px;
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
}
.features-inner {
  max-width: 1240px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(4,1fr); gap: 32px;
}
.feat-item { text-align: center; }
.feat-icon {
  width: 54px; height: 54px; border-radius: 14px;
  background: rgba(76,175,130,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin: 0 auto 12px;
}
.feat-title {
  font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 600;
  color: var(--forest); margin-bottom: 4px;
}
.feat-desc { font-size: 13px; color: var(--gray); }

/* ── VISUAL BANNER ── */
.visual-banner {
  width: 100%; max-width: 1240px; margin: 0 auto;
  padding: 0 44px 80px;
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px;
}
.vb-card {
  position: relative; border-radius: 20px; overflow: hidden;
  aspect-ratio: 4/3;
}
.vb-card.tall { aspect-ratio: 3/4; grid-row: span 2; }
.vb-img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform 0.5s ease;
}
.vb-card:hover .vb-img { transform: scale(1.06); }
.vb-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(27,58,45,0.85) 0%, rgba(27,58,45,0.1) 60%, transparent 100%);
}
.vb-label {
  position: absolute; bottom: 20px; left: 20px; right: 20px;
  font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600;
  color: var(--white); line-height: 1.3;
}
.vb-label span { display: block; font-size: 12px; font-family: 'Plus Jakarta Sans', sans-serif; color: var(--emerald-pale); margin-bottom: 4px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }

/* ── WHY CHOOSE US ── */
.why-bg { background: var(--warm-white); }
.why-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.why-img-col { position: relative; }
.why-main-img {
  width: 100%; border-radius: 24px; aspect-ratio: 5/6; object-fit: cover;
  display: block; box-shadow: 0 24px 72px rgba(27,58,45,0.18);
}
.why-float-card {
  position: absolute; top: -28px; right: -28px;
  background: var(--forest);
  border: 1px solid rgba(76,175,130,0.2);
  border-radius: 18px; padding: 20px 24px; min-width: 160px;
  box-shadow: 0 16px 48px rgba(0,0,0,0.25);
}
.why-float-num { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--emerald); line-height: 1; }
.why-float-lbl { font-size: 12px; color: #5A7A6A; margin-top: 4px; }
.why-float-card2 {
  position: absolute; bottom: -28px; left: -28px;
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  border-radius: 18px; padding: 20px 24px;
  box-shadow: 0 16px 48px rgba(76,175,130,0.35);
}
.why-float-num2 { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--white); line-height: 1; }
.why-float-lbl2 { font-size: 12px; color: rgba(255,255,255,0.75); margin-top: 4px; }
.why-reasons { display: flex; flex-direction: column; gap: 28px; margin-top: 36px; }
.why-reason {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 22px; border-radius: 16px;
  border: 1px solid var(--border); background: var(--white);
  transition: all 0.3s; box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.why-reason:hover { border-color: var(--emerald); box-shadow: 0 8px 32px rgba(27,58,45,0.1); transform: translateX(4px); }
.why-reason-icon {
  width: 48px; height: 48px; min-width: 48px;
  border-radius: 12px; background: rgba(76,175,130,0.1);
  display: flex; align-items: center; justify-content: center; font-size: 22px;
}
.why-reason-t { font-size: 15px; font-weight: 700; color: var(--forest); margin-bottom: 5px; }
.why-reason-d { font-size: 13px; color: var(--gray); line-height: 1.6; }

/* ── PARTNERS ── */
.partners-bg { background: var(--forest); padding: 64px 44px; }
.partners-inner { max-width: 1240px; margin: 0 auto; }
.partners-title {
  text-align: center;
  font-family: 'Playfair Display', serif; font-size: 15px; font-weight: 600;
  color: #5A7A6A; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 44px;
}
.partners-row {
  display: flex; align-items: center; justify-content: center;
  gap: 0; flex-wrap: wrap;
}
.partner-item {
  display: flex; align-items: center; justify-content: center;
  padding: 20px 36px;
  border-right: 1px solid rgba(76,175,130,0.12);
  transition: all 0.3s; cursor: default;
  flex-direction: column; gap: 8px;
}
.partner-item:last-child { border-right: none; }
.partner-item:hover .partner-logo { opacity: 1; }
.partner-logo {
  font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700;
  color: #4A6A5A; opacity: 0.6; letter-spacing: 0.03em; transition: all 0.3s;
  text-align: center; line-height: 1.2;
}
.partner-logo .p-sub { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 10px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: #3A5A4A; display: block; margin-top: 3px; }

/* ── TESTIMONIALS ── */
.testi-section-bg { background: var(--cream); }
.testi-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 24px; margin-top: 52px;
}
.testi-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 20px; padding: 30px;
  transition: all 0.3s; box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.testi-card:hover { box-shadow: 0 16px 48px rgba(27,58,45,0.1); transform: translateY(-4px); }
.testi-stars { color: var(--amber); font-size: 14px; letter-spacing: 3px; margin-bottom: 16px; }
.testi-quote {
  font-family: 'Playfair Display', serif; font-size: 16px; font-style: italic;
  color: var(--forest); line-height: 1.7; margin-bottom: 22px;
}
.testi-footer { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 50px; height: 50px; border-radius: 50%;
  object-fit: cover; border: 2px solid var(--border);
  flex-shrink: 0;
}
.testi-name { font-size: 14px; font-weight: 700; color: var(--forest); }
.testi-role { font-size: 12px; color: var(--gray); margin-top: 2px; }

/* ── ABOUT ── */
.about-bg { background: var(--cream); }
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 72px; align-items: center;
}
.about-img-wrap { position: relative; }
.about-main-img {
  width: 100%; border-radius: 20px;
  aspect-ratio: 4/3; object-fit: cover;
  display: block; box-shadow: 0 20px 60px rgba(27,58,45,0.2);
}
.about-pill {
  position: absolute; bottom: -24px; right: -24px;
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  border-radius: 18px; padding: 22px 28px; text-align: center;
  box-shadow: 0 12px 32px rgba(76,175,130,0.4);
}
.about-pill-num { font-family: 'Playfair Display', serif; font-size: 42px; font-weight: 700; color: var(--white); line-height: 1; }
.about-pill-lbl { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.75); letter-spacing: 0.08em; text-transform: uppercase; }
.about-checks { list-style: none; margin-top: 28px; }
.about-checks li {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 14px 0; border-bottom: 1px solid var(--border);
  font-size: 15px; color: var(--charcoal); line-height: 1.5;
}
.about-checks li:last-child { border-bottom: none; }
.chk {
  width: 22px; height: 22px; min-width: 22px;
  background: rgba(76,175,130,0.12); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin-top: 1px;
}

/* ── LEGAL ── */
.legal-grid {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 40px;
}
.legal-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 14px; padding: 22px 24px;
}
.legal-lbl { font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray); margin-bottom: 6px; font-weight: 600; }
.legal-val { font-size: 14px; font-weight: 600; color: var(--forest); }

/* ── FAQ ── */
.faq-bg { background: var(--cream); }
.faq-grid {
  display: grid; grid-template-columns: 1fr 1.3fr; gap: 80px; align-items: start;
}
.faq-sidebar-img {
  width: 100%; border-radius: 20px; aspect-ratio: 3/4; object-fit: cover;
  display: block; box-shadow: 0 20px 60px rgba(27,58,45,0.18);
  position: sticky; top: 100px;
}
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 16px; overflow: hidden;
  transition: all 0.3s; box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.faq-item.open { border-color: var(--emerald); box-shadow: 0 8px 32px rgba(27,58,45,0.1); }
.faq-q {
  padding: 20px 24px; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-size: 15px; font-weight: 600; color: var(--forest); line-height: 1.4;
  user-select: none;
}
.faq-icon {
  width: 28px; height: 28px; min-width: 28px;
  border-radius: 50%; background: rgba(76,175,130,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; color: var(--emerald); transition: transform 0.3s;
  font-weight: 300;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--emerald); color: var(--white); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  font-size: 14px; color: var(--gray); line-height: 1.75;
  padding: 0 24px;
}
.faq-item.open .faq-a { max-height: 300px; padding: 0 24px 20px; }

/* ── LOANS GRID ── */
.loans-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 24px; margin-top: 56px;
}
.loan-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 20px; overflow: hidden;
  transition: all 0.35s; cursor: default;
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}
.loan-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(27,58,45,0.12); border-color: var(--emerald); }
.loan-img { width: 100%; height: 190px; object-fit: cover; display: block; background: var(--sand); transition: transform 0.4s; }
.loan-card:hover .loan-img { transform: scale(1.04); }
.loan-img-wrap { overflow: hidden; height: 190px; }
.loan-body { padding: 24px; }
.loan-cat { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--emerald); margin-bottom: 8px; }
.loan-name { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 600; color: var(--forest); margin-bottom: 8px; }
.loan-desc { font-size: 13px; color: var(--gray); line-height: 1.6; margin-bottom: 16px; }
.loan-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(76,175,130,0.08); color: var(--emerald);
  border: 1px solid rgba(76,175,130,0.2);
  padding: 5px 12px; border-radius: 100px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.05em;
}

/* ── PROCESS ── */
.process-bg { background: var(--forest); }
.process-bg .section-title { color: var(--white); }
.process-bg .section-desc { color: #5A7A6A; }
.process-steps {
  display: grid; grid-template-columns: repeat(4,1fr);
  gap: 0; margin-top: 60px; position: relative;
}
.process-steps::before {
  content: ''; position: absolute; top: 40px;
  left: 12.5%; right: 12.5%; height: 1px;
  background: linear-gradient(90deg, var(--emerald) 0%, rgba(76,175,130,0.1) 100%);
}
.step { text-align: center; padding: 0 18px; }
.step-circle {
  width: 80px; height: 80px;
  background: var(--forest); border: 2px solid rgba(76,175,130,0.35);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px; position: relative; z-index: 1;
  font-family: 'Playfair Display', serif; font-size: 28px;
  font-weight: 700; color: var(--emerald);
}
.step-t { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.step-d { font-size: 13px; color: #5A7A6A; line-height: 1.6; }

/* ── CONTACT ── */
.contact-bg { background: var(--warm-white); }
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.4fr; gap: 72px; align-items: start;
}
.ci-item { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--border); }
.ci-item:last-child { border-bottom: none; }
.ci-icon {
  width: 44px; height: 44px; min-width: 44px;
  background: rgba(76,175,130,0.1); border-radius: 12px;
  display: flex; align-items: center; justify-content: center; font-size: 18px;
}
.ci-lbl { font-size: 12px; color: var(--gray); margin-bottom: 4px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }
.ci-val { font-size: 15px; color: var(--forest); font-weight: 500; line-height: 1.5; }
.contact-form {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 24px; padding: 42px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.06);
}
.form-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fg { margin-bottom: 18px; }
.fg label { display: block; font-size: 13px; font-weight: 600; color: var(--forest); margin-bottom: 7px; }
.fg input, .fg select, .fg textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-size: 14px; font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--charcoal); background: var(--warm-white); outline: none;
  transition: border-color 0.2s, box-shadow 0.2s; appearance: none;
}
.fg input:focus, .fg select:focus, .fg textarea:focus {
  border-color: var(--emerald); box-shadow: 0 0 0 3px rgba(76,175,130,0.12);
}
.fg textarea { resize: vertical; min-height: 110px; }
.form-submit {
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  color: var(--white); border: none; padding: 15px 36px;
  border-radius: 12px; font-size: 15px; font-weight: 700;
  cursor: pointer; width: 100%; font-family: 'Plus Jakarta Sans', sans-serif;
  transition: all 0.3s; box-shadow: 0 6px 20px rgba(76,175,130,0.3);
}
.form-submit:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(76,175,130,0.45); }

/* ── HERO (index only) ── */
.hero {
  min-height: 100vh;
  background: linear-gradient(150deg, var(--forest) 0%, #1F4535 55%, #162E24 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
  padding-top: 72px;
}
.hero-overlay {
  position: absolute; inset: 0;
  background-image:
    radial-gradient(ellipse at 10% 60%, rgba(76,175,130,0.08) 0%, transparent 55%),
    radial-gradient(ellipse at 90% 10%, rgba(212,160,48,0.05) 0%, transparent 40%);
}
.hero-grid-lines {
  position: absolute; inset: 0; opacity: 0.035;
  background-image:
    linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 80px 80px;
}
.hero-content {
  position: relative; max-width: 1240px; margin: 0 auto;
  padding: 80px 44px; display: grid;
  grid-template-columns: 1.1fr 0.9fr; gap: 70px;
  align-items: center; width: 100%;
}
.hero-chip {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(76,175,130,0.1); border: 1px solid rgba(76,175,130,0.3);
  color: var(--emerald-pale); padding: 7px 18px; border-radius: 100px;
  font-size: 12px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 28px;
}
.hero-chip-dot {
  width: 7px; height: 7px; background: var(--emerald);
  border-radius: 50%; animation: blink 2s infinite;
}
@keyframes blink { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.4;transform:scale(1.4)} }
.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(40px, 5vw, 68px);
  font-weight: 700; color: var(--white);
  line-height: 1.08; margin-bottom: 22px;
  letter-spacing: -0.01em;
}
.hero-title em { color: var(--emerald); font-style: italic; }
.hero-sub { font-size: 16px; color: #7FA896; line-height: 1.75; margin-bottom: 44px; max-width: 490px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 20px;
  margin-top: 52px; padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.stat-num { font-family: 'Playfair Display', serif; font-size: 40px; font-weight: 700; color: var(--emerald); line-height: 1; }
.stat-lbl { font-size: 11px; color: #5A7A6A; margin-top: 5px; text-transform: uppercase; letter-spacing: 0.08em; }
.hero-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: 24px; padding: 38px; backdrop-filter: blur(12px);
}
.hc-title { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--white); margin-bottom: 4px; }
.hc-sub { font-size: 13px; color: #5A7A6A; margin-bottom: 28px; }
.slider-row { display: flex; justify-content: space-between; font-size: 13px; color: #7FA896; margin-bottom: 8px; }
.slider-row strong { font-family: 'Playfair Display', serif; font-size: 20px; color: var(--emerald); }
input[type=range] {
  width: 100%; appearance: none; height: 4px;
  background: rgba(76,175,130,0.18); border-radius: 99px;
  outline: none; margin-bottom: 22px; cursor: pointer;
}
input[type=range]::-webkit-slider-thumb {
  appearance: none; width: 20px; height: 20px;
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  border-radius: 50%; cursor: pointer;
  box-shadow: 0 4px 12px rgba(76,175,130,0.5);
}
.calc-row {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 12px; padding: 14px 18px;
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 10px;
}
.calc-lbl { font-size: 13px; color: #5A7A6A; }
.calc-val { font-size: 16px; color: var(--white); font-weight: 600; }
.calc-val.green { color: var(--emerald); font-family: 'Playfair Display', serif; font-size: 22px; }
.calc-btn {
  width: 100%;
  background: linear-gradient(135deg, var(--emerald), #38A86E);
  color: var(--white); border: none; padding: 14px; border-radius: 12px;
  font-weight: 700; font-size: 15px; cursor: pointer; margin-top: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif; transition: all 0.3s;
  box-shadow: 0 6px 20px rgba(76,175,130,0.3);
}
.calc-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(76,175,130,0.45); }

/* ── FOOTER ── */
footer { background: var(--forest); color: #5A7A6A; padding: 64px 44px 32px; }
.footer-grid {
  max-width: 1240px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 56px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-logo { font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 700; color: var(--white); margin-bottom: 14px; }
.footer-logo span { color: var(--emerald); }
.footer-desc { font-size: 13px; line-height: 1.7; margin-bottom: 20px; max-width: 270px; }
.footer-col-t { font-size: 12px; font-weight: 700; color: var(--white); margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.08em; }
.footer-col a { display: block; color: #5A7A6A; text-decoration: none; font-size: 13px; margin-bottom: 10px; transition: color 0.2s; cursor: pointer; }
.footer-col a:hover { color: var(--emerald-pale); }
.footer-bottom {
  max-width: 1240px; margin: 28px auto 0;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12px;
}

/* ── TOAST ── */
.toast {
  position: fixed; bottom: 32px; right: 32px;
  background: var(--emerald); color: white;
  padding: 16px 24px; border-radius: 14px;
  font-size: 14px; font-weight: 600;
  box-shadow: 0 12px 40px rgba(76,175,130,0.4);
  transform: translateY(80px); opacity: 0;
  transition: all 0.4s cubic-bezier(.175,.885,.32,1.275); z-index: 9999;
}
.toast.show { transform: translateY(0); opacity: 1; }

/* ── HAMBURGER ── */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; z-index: 1001; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: all 0.3s; }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── FADE IN ── */
.fade-in { opacity: 0; transform: translateY(28px); transition: opacity 0.65s ease, transform 0.65s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ══ RESPONSIVE ══ */
@media (max-width: 1024px) {
  .hero-content, .about-grid, .contact-grid, .why-grid, .faq-grid { grid-template-columns: 1fr; gap: 48px; }
  .loans-grid, .testi-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: repeat(2,1fr); gap: 32px; }
  .process-steps::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .legal-grid { grid-template-columns: 1fr 1fr; }
  .hero-card { display: none; }
  .features-inner { grid-template-columns: repeat(2,1fr); }
  .visual-banner { grid-template-columns: 1fr 1fr; }
  .vb-card.tall { grid-row: span 1; aspect-ratio: 4/3; }
  .why-float-card, .why-float-card2 { display: none; }
  .faq-sidebar-img { position: static; aspect-ratio: 16/7; }
  .partner-item { padding: 14px 20px; }
}
@media (max-width: 768px) {
  nav { padding: 0 20px; }
  .nav-links {
    display: none; flex-direction: column; gap: 0;
    position: fixed; top: 72px; left: 0; right: 0;
    background: rgba(27, 58, 45, 0.99);
    border-bottom: 1px solid rgba(76, 175, 130, 0.2);
    z-index: 999; padding: 12px 0 20px;
  }
  .nav-links.mobile-open { display: flex; }
  .nav-links a { padding: 14px 24px; font-size: 15px; border-bottom: 1px solid rgba(76,175,130,0.08); }
  .nav-links a:last-child { border-bottom: none; }
  .nav-cta { margin: 12px 24px 0 !important; border-radius: 10px !important; text-align: center; }
  .hamburger { display: flex; }
  .hero { align-items: flex-start; }
  .hero-content { padding: 40px 20px 60px; grid-template-columns: 1fr; gap: 32px; }
  .hero-title { font-size: clamp(30px, 8vw, 44px); }
  .hero-sub { font-size: 15px; margin-bottom: 28px; max-width: 100%; }
  .hero-btns { flex-direction: column; gap: 12px; }
  .btn-main, .btn-ghost { width: 100%; justify-content: center; padding: 14px 20px; }
  .hero-stats { grid-template-columns: repeat(3,1fr); gap: 10px; margin-top: 36px; padding-top: 24px; }
  .stat-num { font-size: 28px; }
  .stat-lbl { font-size: 10px; }
  .hero-chip { font-size: 10px; padding: 6px 12px; }
  section, .section-full { padding: 56px 20px; }
  .section-title { font-size: clamp(24px, 6vw, 36px); }
  .section-desc { font-size: 14px; }
  .features-strip { padding: 40px 20px; }
  .features-inner { grid-template-columns: repeat(2,1fr); gap: 20px; }
  .feat-title { font-size: 14px; }
  .feat-desc { font-size: 12px; }
  .visual-banner { grid-template-columns: 1fr; padding: 0 20px 60px; }
  .vb-card.tall { aspect-ratio: 4/3; }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-main-img { aspect-ratio: 4/3; }
  .why-float-card, .why-float-card2 { display: none; }
  .why-reason { padding: 16px; gap: 14px; }
  .why-reason-icon { width: 40px; height: 40px; min-width: 40px; font-size: 18px; }
  .why-reasons { gap: 16px; margin-top: 24px; }
  .partners-bg { padding: 48px 20px; }
  .partners-row { gap: 0; flex-wrap: wrap; }
  .partner-item { border-right: none; border-bottom: 1px solid rgba(76,175,130,0.12); width: 50%; padding: 16px 12px; }
  .partner-logo { font-size: 14px; }
  .loans-grid { grid-template-columns: 1fr; gap: 20px; margin-top: 36px; }
  .loan-img, .loan-img-wrap { height: 160px; }
  .testi-grid { grid-template-columns: 1fr; gap: 16px; }
  .testi-card { padding: 22px; }
  .faq-grid { grid-template-columns: 1fr; gap: 32px; }
  .faq-sidebar-img { display: none; }
  .faq-q { font-size: 14px; padding: 16px 18px; }
  .process-steps { grid-template-columns: 1fr; gap: 24px; }
  .process-steps::before { display: none; }
  .step-circle { width: 64px; height: 64px; font-size: 22px; }
  .about-grid { grid-template-columns: 1fr; gap: 36px; }
  .about-main-img { aspect-ratio: 4/3; }
  .about-pill { bottom: -16px; right: -8px; padding: 16px 20px; }
  .about-pill-num { font-size: 32px; }
  .about-img-wrap { margin-bottom: 24px; }
  .legal-grid { grid-template-columns: 1fr; gap: 12px; margin-top: 28px; }
  .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .contact-form { padding: 24px; }
  .form-2col { grid-template-columns: 1fr; }
  .ci-item { gap: 12px; padding: 14px 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  footer { padding: 48px 20px 28px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .footer-desc { max-width: 100%; }
}
@media (max-width: 400px) {
  .hero-stats { grid-template-columns: 1fr; gap: 16px; text-align: center; }
  .stat-num { font-size: 32px; }
  .features-inner { grid-template-columns: 1fr; }
  .partner-item { width: 100%; border-right: none; }
  .hero-chip { font-size: 9px; text-align: center; }
  .nav-left { gap: 12px; }
  .logo { font-size: 17px; }
}