/* ============================================================
   MC Quantum Funding — Design Tokens & Global Styles
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Outfit:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Color Palette */
  --color-bg:           #FFFCFD;
  --color-bg-alt:       #F4F6FB;
  --color-text:         #333333;
  --color-text-light:   #666565;
  --color-text-muted:   #999898;

  --color-navy:         #3E4E7B;
  --color-navy-deep:    #00154F;
  --color-navy-mid:     #0B4EAE;
  --color-blue-light:   #9DBAE4;
  --color-blue-pale:    #E8EFF9;

  --color-gold:         #F2C180;
  --color-gold-light:   #EED5B5;
  --color-gold-dark:    #A68357;
  --color-gold-deeper:  #7A6239;

  --color-gray-light:   #CCCACA;
  --color-gray-mid:     #999898;
  --color-border:       #E0DEDF;

  --color-accent-red:   #ED1C24;
  --color-white:        #FFFCFD;

  /* Typography */
  --font-heading: 'Outfit', 'Helvetica Neue', Arial, sans-serif;
  --font-body:    'Inter', 'Arial', sans-serif;

  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.375rem;
  --text-2xl:  1.75rem;
  --text-3xl:  2.25rem;
  --text-4xl:  2.75rem;
  --text-5xl:  3.5rem;

  --weight-light:    300;
  --weight-regular:  400;
  --weight-medium:   500;
  --weight-semibold: 600;
  --weight-bold:     700;
  --weight-extrabold:800;

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Layout */
  --container-max: 1200px;
  --nav-height:    100px;
  --section-pad:   var(--space-20);

  /* Shadows */
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md:  0 4px 12px rgba(0,0,0,0.10), 0 2px 6px rgba(0,0,0,0.07);
  --shadow-lg:  0 10px 30px rgba(0,0,0,0.12), 0 4px 12px rgba(0,0,0,0.08);
  --shadow-xl:  0 20px 50px rgba(0,0,0,0.15), 0 8px 20px rgba(0,0,0,0.10);
  --shadow-navy: 0 8px 24px rgba(62,78,123,0.25);

  /* Radius */
  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  12px;
  --radius-xl:  16px;
  --radius-2xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast:   150ms ease;
  --transition-base:   250ms ease;
  --transition-slow:   400ms ease;
}

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

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

body {
  font-family: var(--font-body);
  font-weight: var(--weight-regular);
  font-size: var(--text-base);
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  line-height: 1.2;
  color: var(--color-navy-deep);
}

/* ============================================================
   Utility Classes
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.section { padding: var(--section-pad) 0; }
.section--alt { background-color: var(--color-bg-alt); }

.text-center { text-align: center; }
.text-navy { color: var(--color-navy); }
.text-gold { color: var(--color-gold-dark); }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.875rem 2rem;
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.03em;
  border-radius: var(--radius-full);
  transition: all var(--transition-base);
  text-decoration: none;
  white-space: nowrap;
}

.btn--primary {
  background-color: var(--color-navy);
  color: var(--color-white);
  box-shadow: var(--shadow-navy);
}
.btn--primary:hover {
  background-color: var(--color-navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(62,78,123,0.35);
}

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

.btn--gold {
  background: linear-gradient(135deg, var(--color-gold) 0%, var(--color-gold-dark) 100%);
  color: var(--color-navy-deep);
  font-weight: var(--weight-bold);
}
.btn--gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(166,131,87,0.4);
}

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

.btn--lg { padding: 1rem 2.5rem; font-size: var(--text-lg); }
.btn--sm { padding: 0.5rem 1.25rem; font-size: var(--text-sm); }

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

/* ============================================================
   Navigation
   ============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-height);
  background: var(--color-white);
  box-shadow: var(--shadow-sm);
  z-index: 1000;
  transition: box-shadow var(--transition-base);
}

.nav.scrolled { box-shadow: var(--shadow-md); }

.nav .container {
  max-width: none;
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.nav__logo img {
  height: 90px !important;
  width: auto;
}

.nav__logo-mark {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.nav__logo-mark svg {
  width: 22px;
  height: 22px;
  color: var(--color-white);
}

.nav__logo-text {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-extrabold);
  letter-spacing: 0.05em;
  color: var(--color-navy-deep);
  text-transform: uppercase;
}

.nav__logo-sub {
  font-size: var(--text-xs);
  font-weight: var(--weight-medium);
  color: var(--color-text-muted);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  line-height: 1;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav__item { position: relative; }

.nav__link {
  display: block;
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.nav__link:hover,
.nav__link.active {
  color: var(--color-navy);
  background-color: var(--color-blue-pale);
}

/* Dropdown */
.nav__dropdown-btn {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.nav__dropdown-btn:hover,
.nav__dropdown-btn.active {
  color: var(--color-navy);
  background-color: var(--color-blue-pale);
}

.nav__dropdown-btn svg {
  width: 14px;
  height: 14px;
  transition: transform var(--transition-fast);
}

.nav__item:hover .nav__dropdown-btn svg,
.nav__item.open .nav__dropdown-btn svg {
  transform: rotate(180deg);
}

.nav__dropdown {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(-4px);
  min-width: 180px;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  padding: 6px var(--space-2) var(--space-2);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-fast), transform var(--transition-fast), visibility 0s linear 150ms;
  pointer-events: none;
}

.nav__item:hover .nav__dropdown,
.nav__item.open .nav__dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
  transition: opacity var(--transition-fast), transform var(--transition-fast), visibility 0s linear 0ms;
}

.nav__dropdown a {
  display: block;
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm);
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.nav__dropdown a:hover,
.nav__dropdown a.active {
  color: var(--color-navy);
  background-color: var(--color-blue-pale);
}

.nav__actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.nav__portal-btn {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 100%);
  color: var(--color-white);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  transition: all var(--transition-base);
  text-decoration: none;
}

.nav__portal-btn:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-navy);
}

.nav__portal-btn svg { width: 14px; height: 14px; }

/* Mobile menu toggle */
.nav__menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: var(--space-2);
  border-radius: var(--radius-md);
  cursor: pointer;
}

.nav__menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-navy);
  border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.2s ease;
  transform-origin: center;
}

/* Hamburger → X when open */
.nav__menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav__menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.nav__menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* Backdrop overlay */
.nav__backdrop {
  position: fixed;
  inset: 0;
  top: var(--nav-height);
  background: rgba(0, 0, 0, 0.35);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0s linear 0.25s;
}
.nav__backdrop.visible {
  opacity: 1;
  visibility: visible;
  transition: opacity 0.25s ease, visibility 0s linear 0s;
}

/* Mobile nav panel */
.nav__mobile {
  position: fixed;
  top: var(--nav-height);
  left: 0; right: 0;
  background: var(--color-white);
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  padding: var(--space-3) var(--space-4) var(--space-6);
  z-index: 999;
  max-height: calc(100vh - var(--nav-height));
  overflow-y: auto;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0s linear 0.22s;
  pointer-events: none;
}

.nav__mobile.open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0s linear 0s;
  pointer-events: auto;
}

.nav__mobile a {
  display: flex;
  align-items: center;
  width: 100%;
  text-align: left;
  padding: var(--space-3) var(--space-3);
  font-size: var(--text-base);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.nav__mobile a:hover,
.nav__mobile a.active {
  color: var(--color-navy);
  background-color: var(--color-blue-pale);
}

.nav__mobile-section { margin-bottom: var(--space-1); }

.nav__mobile-section-title {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  padding: var(--space-4) var(--space-3) var(--space-1);
}

.nav__mobile-sub { padding-left: var(--space-3); }

.nav__mobile-sub a {
  font-size: var(--text-sm);
  color: var(--color-text-light);
}

.nav__mobile-divider {
  height: 1px;
  background: var(--color-border);
  margin: var(--space-3) 0;
}

.nav__mobile-cta {
  padding: var(--space-2) 0 0;
}

/* ============================================================
   Page Offset
   ============================================================ */
.page-content { padding-top: var(--nav-height); }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--color-navy-deep) 0%, var(--color-navy) 50%, var(--color-navy-mid) 100%);
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(157,186,228,0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(242,193,128,0.10) 0%, transparent 40%),
    radial-gradient(circle at 60% 80%, rgba(11,78,174,0.20) 0%, transparent 40%);
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(0,21,79,0.92) 0%,
    rgba(0,21,79,0.75) 55%,
    rgba(0,21,79,0.20) 100%
  );
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 700px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: rgba(242,193,128,0.15);
  border: 1px solid rgba(242,193,128,0.4);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-gold);
  letter-spacing: 0.05em;
  margin-bottom: var(--space-6);
}

.hero__badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-gold);
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.8); }
}

.hero__title {
  font-family: var(--font-heading);
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: var(--weight-extrabold);
  color: var(--color-white);
  line-height: 1.1;
  margin-bottom: var(--space-6);
}

.hero__title span {
  color: var(--color-gold);
  position: relative;
}

.hero__subtitle {
  font-size: clamp(1rem, 2vw, 1.25rem);
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  margin-bottom: var(--space-10);
  font-weight: var(--weight-light);
  line-height: 1.7;
}

.hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-top: var(--space-12);
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.15);
}

.hero__trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.hero__trust-num {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: var(--weight-bold);
  color: var(--color-gold);
}

.hero__trust-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
  letter-spacing: 0.05em;
}

.hero__trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.2);
}

/* ============================================================
   Section Headers
   ============================================================ */
.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto var(--space-12);
}

.section-eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-navy);
  background: var(--color-blue-pale);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-4);
}

.section-title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: var(--weight-bold);
  color: var(--color-navy-deep);
  margin-bottom: var(--space-4);
}

.section-desc {
  font-size: var(--text-lg);
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ============================================================
   Feature Cards
   ============================================================ */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}

.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-navy) 0%, var(--color-navy-mid) 100%);
  transform: scaleX(0);
  transition: transform var(--transition-base);
  transform-origin: left;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-blue-light);
}

.card:hover::before { transform: scaleX(1); }

.card__icon {
  width: 56px;
  height: 56px;
  background: var(--color-blue-pale);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
}

.card__icon svg {
  width: 28px;
  height: 28px;
  color: var(--color-navy);
}

.card__title {
  font-size: var(--text-xl);
  font-weight: var(--weight-semibold);
  color: var(--color-navy-deep);
  margin-bottom: var(--space-3);
}

.card__desc {
  font-size: var(--text-base);
  color: var(--color-text-light);
  line-height: 1.65;
  margin-bottom: var(--space-5);
}

.card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  transition: gap var(--transition-fast);
}

.card__link:hover { gap: var(--space-3); }
.card__link svg { width: 14px; height: 14px; }

/* ============================================================
   Process Steps
   ============================================================ */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-8);
  position: relative;
}

.steps::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--color-blue-pale), var(--color-blue-light), var(--color-blue-pale));
}

.step { text-align: center; position: relative; }

.step__num {
  width: 56px;
  height: 56px;
  background: var(--color-navy);
  color: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  margin: 0 auto var(--space-5);
  position: relative;
  z-index: 1;
}

.step__title {
  font-size: var(--text-lg);
  font-weight: var(--weight-semibold);
  color: var(--color-navy-deep);
  margin-bottom: var(--space-3);
}

.step__desc {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: 1.65;
}

/* ============================================================
   CTA Banner
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--color-navy-deep) 0%, var(--color-navy) 60%, var(--color-navy-mid) 100%);
  border-radius: var(--radius-2xl);
  padding: var(--space-16) var(--space-12);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(157,186,228,0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 50%, rgba(242,193,128,0.10) 0%, transparent 40%);
}

.cta-banner__content { position: relative; z-index: 1; }

.cta-banner__title {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  margin-bottom: var(--space-4);
}

.cta-banner__desc {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin: 0 auto var(--space-8);
  line-height: 1.65;
}

.cta-banner__actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-4);
}


/* ============================================================
   Footer
   ============================================================ */
.footer {
  background: var(--color-navy-deep);
  color: rgba(255,255,255,0.8);
  position: relative;
}


.footer__top {
  padding: var(--space-16) 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-12);
}

.footer__brand {}

.footer__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
  text-decoration: none;
}

.footer__logo img {
  height: 110px !important;
  width: auto;
  opacity: 1;
  mix-blend-mode: normal;
  filter: brightness(1.9) saturate(1.1);
}

.footer__logo-mark {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-blue-light) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.footer__logo-mark svg { width: 22px; height: 22px; color: var(--color-white); }

.footer__logo-text {
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer__tagline {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  line-height: 1.65;
  margin-top: var(--space-2);
  margin-bottom: var(--space-6);
  max-width: 280px;
}

.footer__nmls {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.05em;
}

.footer__social {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

.footer__social-link {
  width: 38px;
  height: 38px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-base);
}

.footer__social-link:hover {
  background: var(--color-navy);
  border-color: var(--color-navy);
  transform: translateY(-2px);
}

.footer__social-link svg { width: 18px; height: 18px; color: var(--color-white); }

.footer__col-title {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-white);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--space-5);
}

.footer__links { display: flex; flex-direction: column; gap: var(--space-3); }

.footer__link {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  transition: color var(--transition-fast);
  text-decoration: none;
}

.footer__link:hover { color: var(--color-gold); }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: var(--space-6) 0;
}

.footer__bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-4);
}

.footer__copyright {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.45);
}

.footer__legal {
  display: flex;
  gap: var(--space-5);
}

.footer__legal a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.45);
  transition: color var(--transition-fast);
}

.footer__legal a:hover { color: var(--color-gold); }

/* ============================================================
   Page Banner
   ============================================================ */
.page-banner {
  background: linear-gradient(135deg, var(--color-navy-deep) 0%, var(--color-navy) 100%);
  padding: var(--space-16) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 30% 50%, rgba(157,186,228,0.1) 0%, transparent 50%),
                    radial-gradient(circle at 70% 50%, rgba(242,193,128,0.08) 0%, transparent 40%);
}

.page-banner__content { position: relative; z-index: 1; }

.page-banner__eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: var(--space-4);
}

.page-banner__title {
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: var(--weight-bold);
  color: var(--color-white);
}

.page-banner__desc {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin: var(--space-4) auto 0;
  line-height: 1.65;
}

/* ============================================================
   Testimonials / Quote Cards
   ============================================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}

.testimonial {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  position: relative;
}

.testimonial::before {
  content: '"';
  position: absolute;
  top: var(--space-4);
  right: var(--space-6);
  font-size: 4rem;
  font-family: var(--font-heading);
  color: var(--color-blue-pale);
  line-height: 1;
}

.testimonial__text {
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: var(--space-6);
  font-style: italic;
}

.testimonial__author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.testimonial__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-blue-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  font-size: var(--text-sm);
  flex-shrink: 0;
}

.testimonial__name {
  font-weight: var(--weight-semibold);
  color: var(--color-navy-deep);
  font-size: var(--text-sm);
}

.testimonial__role {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* ============================================================
   Stats / Counters
   ============================================================ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: var(--space-8);
  text-align: center;
}

.stat__num {
  font-family: var(--font-heading);
  font-size: var(--text-5xl);
  font-weight: var(--weight-extrabold);
  color: var(--color-navy);
  line-height: 1;
  margin-bottom: var(--space-2);
}

.stat__label {
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text-light);
  letter-spacing: 0.03em;
}

/* ============================================================
   Accordion (FAQ)
   ============================================================ */
.accordion { display: flex; flex-direction: column; gap: var(--space-3); }

.accordion__item {
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.accordion__item.open { border-color: var(--color-navy); }

.accordion__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-5) var(--space-6);
  text-align: left;
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  color: var(--color-navy-deep);
  background: var(--color-white);
  transition: background var(--transition-fast);
}

.accordion__trigger:hover { background: var(--color-bg-alt); }
.accordion__item.open .accordion__trigger { background: var(--color-blue-pale); }

.accordion__icon {
  width: 20px;
  height: 20px;
  color: var(--color-navy);
  flex-shrink: 0;
  transition: transform var(--transition-base);
}

.accordion__item.open .accordion__icon { transform: rotate(180deg); }

.accordion__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow), padding var(--transition-slow);
}

.accordion__item.open .accordion__body { max-height: 500px; }

.accordion__content {
  padding: 0 var(--space-6) var(--space-5);
  font-size: var(--text-base);
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ============================================================
   Calculator Widget
   ============================================================ */
.calc-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
}

.calc-card__title {
  font-size: var(--text-2xl);
  font-weight: var(--weight-bold);
  color: var(--color-navy-deep);
  margin-bottom: var(--space-6);
  text-align: center;
}

.calc-result {
  background: linear-gradient(135deg, var(--color-navy-deep) 0%, var(--color-navy) 100%);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-align: center;
  margin-top: var(--space-6);
}

.calc-result__label {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: var(--space-2);
}

.calc-result__amount {
  font-family: var(--font-heading);
  font-size: var(--text-5xl);
  font-weight: var(--weight-extrabold);
  color: var(--color-white);
  line-height: 1;
}

.calc-result__sub {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  margin-top: var(--space-2);
}

.calc-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  outline: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-navy);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}

.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }

.calc-value-display {
  text-align: right;
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  font-size: var(--text-lg);
  margin-top: var(--space-1);
}

/* ============================================================
   Loan Option Cards
   ============================================================ */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-5);
}

.loan-card {
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  background: var(--color-white);
  transition: all var(--transition-base);
}

.loan-card:hover {
  border-color: var(--color-navy);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.loan-card__tag {
  display: inline-block;
  padding: var(--space-1) var(--space-3);
  background: var(--color-blue-pale);
  color: var(--color-navy);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-4);
}

.loan-card__name {
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--color-navy-deep);
  margin-bottom: var(--space-3);
}

.loan-card__desc {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: 1.65;
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-8);
  }
}

@media (max-width: 768px) {
  :root { --section-pad: 3rem; }

  .nav__links,
  .nav__portal-btn { display: none; }

  .nav__menu-toggle { display: flex; }

  .hero { min-height: calc(100svh - var(--nav-height)); }

  .hero__trust {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-4);
  }

  .hero__trust-divider { display: none; }

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

  .footer__grid {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }

  .footer__bottom-inner {
    flex-direction: column;
    text-align: center;
  }

  .steps::before { display: none; }

  .cta-banner { padding: var(--space-10) var(--space-6); }

  .calc-card { padding: var(--space-6); }
}

@media (max-width: 480px) {
  .container { padding: 0 var(--space-4); }

  .hero__cta { flex-direction: column; }
  .hero__cta .btn { width: 100%; justify-content: center; }

  .cta-banner__actions { flex-direction: column; }
  .cta-banner__actions .btn { width: 100%; justify-content: center; }

  .cards-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Animations
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

.animate-in {
  animation: fadeInUp 0.6s ease forwards;
}

.animate-in--delay-1 { animation-delay: 0.1s; opacity: 0; }
.animate-in--delay-2 { animation-delay: 0.2s; opacity: 0; }
.animate-in--delay-3 { animation-delay: 0.3s; opacity: 0; }
.animate-in--delay-4 { animation-delay: 0.4s; opacity: 0; }

/* Intersection observer driven */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

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

/* ============================================================
   Skip to main
   ============================================================ */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  padding: var(--space-2) var(--space-4);
  background: var(--color-navy);
  color: var(--color-white);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  z-index: 9999;
  transition: top var(--transition-fast);
}

.skip-link:focus { top: 0; }

/* ============================================================
   Back to top
   ============================================================ */
.back-to-top {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  width: 44px;
  height: 44px;
  background: var(--color-navy);
  color: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-base);
  z-index: 500;
  cursor: pointer;
  border: none;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--color-navy-deep);
  transform: translateY(-2px);
}

.back-to-top svg { width: 18px; height: 18px; }