/* ===================================================
   SDFC LIFE Private Limited — Premium Website Styles
   =================================================== */

/* ---- CSS Variables ---- */
:root {
  --primary: #e85d04;
  --primary-dark: #c44d00;
  --secondary: #7b2d8b;
  --accent: #d62828;
  --gradient: linear-gradient(135deg, #e85d04 0%, #7b2d8b 50%, #d62828 100%);
  --gradient-soft: linear-gradient(135deg, rgba(232,93,4,0.1) 0%, rgba(123,45,139,0.1) 100%);
  --dark: #0f0f1a;
  --dark-2: #1a1a2e;
  --text: #2d2d3a;
  --text-light: #6b7280;
  --white: #ffffff;
  --bg-light: #f8f9ff;
  --border: #e5e7eb;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.15);
  --radius: 16px;
  --radius-sm: 8px;
  --transition: all 0.3s ease;
  --font: 'Poppins', sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }
input, textarea, select { font-family: var(--font); }

/* ---- Utility ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
.bg-light { background: var(--bg-light); }
.gradient-text { background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }

.section-header { text-align: center; margin-bottom: 60px; }
.section-badge {
  display: inline-block; padding: 6px 18px; border-radius: 50px;
  background: var(--gradient-soft); color: var(--primary);
  font-size: 0.8rem; font-weight: 600; letter-spacing: 1px;
  text-transform: uppercase; margin-bottom: 14px;
  border: 1px solid rgba(232,93,4,0.2);
}
.section-title { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 700; line-height: 1.2; margin-bottom: 16px; }
.section-header p { color: var(--text-light); max-width: 560px; margin: 0 auto; font-size: 1.05rem; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: 50px; font-weight: 600;
  font-size: 0.95rem; transition: var(--transition); cursor: pointer;
}
.btn-primary {
  background: var(--gradient); color: var(--white);
  box-shadow: 0 4px 20px rgba(232,93,4,0.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(232,93,4,0.45); }
.btn-outline {
  border: 2px solid var(--white); color: var(--white); background: transparent;
}
.btn-outline:hover { background: var(--white); color: var(--primary); }
.btn-outline-sm {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 20px; border-radius: 50px; font-weight: 600; font-size: 0.85rem;
  border: 2px solid var(--primary); color: var(--primary); transition: var(--transition);
}
.btn-outline-sm:hover { background: var(--primary); color: var(--white); }
.btn-full { width: 100%; justify-content: center; }

/* ---- Scroll Animations ---- */
.fade-in { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-in-left { opacity: 0; transform: translateX(-40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-in-right { opacity: 0; transform: translateX(40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-in.visible, .fade-in-left.visible, .fade-in-right.visible { opacity: 1; transform: none; }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 16px 0; transition: var(--transition);
  background: transparent;
}
.navbar.scrolled {
  background: rgba(255,255,255,0.97); backdrop-filter: blur(12px);
  box-shadow: 0 2px 20px rgba(0,0,0,0.08); padding: 10px 0;
}
.nav-container {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; gap: 32px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 1.4rem; font-weight: 800; color: var(--white);
}
.navbar.scrolled .nav-logo { color: var(--dark); }
.logo-img { height: 56px; width: auto; object-fit: contain; display: block; }
.logo-img-footer { height: 62px; }
.nav-menu { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav-link {
  padding: 8px 14px; border-radius: 8px; font-size: 0.9rem; font-weight: 500;
  color: rgba(255,255,255,0.9); transition: var(--transition);
}
.navbar.scrolled .nav-link { color: var(--text); }
.nav-link:hover { color: var(--primary); background: rgba(232,93,4,0.08); }
.nav-cta { margin-left: 8px; padding: 10px 22px; font-size: 0.9rem; }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 4px; margin-left: auto; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }
.navbar.scrolled .hamburger span { background: var(--dark); }
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---- Desktop: hide mobile-only drawer elements ---- */
.nav-drawer-head,
.nav-drawer-foot,
.nl-icon,
.nl-arrow { display: none; }

/* ---- Mobile nav overlay backdrop ---- */
.nav-overlay {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,0.55); z-index: 998;
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
  transition: opacity .3s ease;
}
.nav-overlay.active { display: block; }

/* ---- Mobile close button (inside drawer, hidden on desktop) ---- */
.nav-close-btn { display: none; }

/* ===== HERO ===== */
.hero {
  min-height: 100vh; position: relative; display: flex; align-items: center;
  overflow: hidden; padding-top: 80px;
}
/* ---- Hero BG Image ---- */
.hero-bg { position: absolute; inset: 0; z-index: 0; overflow: hidden; }
.hero-bg-img { width: 100%; height: 100%; object-fit: cover; object-position: center; opacity: 0.18; }
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, #0f0f1a 0%, #1a0a2e 40%, #2d0a1a 70%, #1a0f0a 100%);
  mix-blend-mode: multiply;
}
.hero-bg::before {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background: radial-gradient(ellipse at 20% 50%, rgba(232,93,4,0.2) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(123,45,139,0.25) 0%, transparent 60%),
              radial-gradient(ellipse at 60% 80%, rgba(214,40,40,0.15) 0%, transparent 50%);
}
.hero-content {
  position: relative; z-index: 1; display: grid;
  grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  padding: 60px 24px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 18px; border-radius: 50px;
  background: rgba(232,93,4,0.15); border: 1px solid rgba(232,93,4,0.3);
  color: #ff9a5c; font-size: 0.82rem; font-weight: 600; margin-bottom: 20px;
}
.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 p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 32px; max-width: 480px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 32px; }
.stat { text-align: center; }
.stat span { font-size: 2rem; font-weight: 800; color: var(--white); display: block; }
.stat p { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin-top: 2px; }

/* Hero Visual */
.hero-visual { position: relative; }
.hero-img-wrap { position: relative; display: inline-block; }
.hero-person-img {
  width: 100%; max-width: 480px; height: 520px;
  object-fit: cover; object-position: top center;
  border-radius: 40% 60% 60% 40% / 50% 50% 60% 40%;
  display: block;
  box-shadow: 0 24px 64px rgba(0,0,0,0.4);
  border: 3px solid rgba(255,255,255,0.12);
}

/* Floating cards */
.hero-float-card {
  position: absolute; background: rgba(255,255,255,0.1);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.18); border-radius: 14px;
  padding: 14px 18px; color: var(--white);
  display: flex; align-items: center; gap: 12px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.25);
  animation: floatCard 4s ease-in-out infinite;
}
.hero-float-card i { font-size: 1.6rem; background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; flex-shrink: 0; }
.hero-float-card strong { display: block; font-size: 0.88rem; font-weight: 700; }
.hero-float-card span { font-size: 0.75rem; color: rgba(255,255,255,0.65); }
.hero-float-card .card-icon { width: 38px; height: 38px; border-radius: 10px; background: var(--gradient); display: flex; align-items: center; justify-content: center; color: white; font-size: 1rem; flex-shrink: 0; }
.card-bar { height: 5px; background: rgba(255,255,255,0.2); border-radius: 3px; margin-top: 6px; width: 120px; }
.bar-fill { height: 100%; background: var(--gradient); border-radius: 3px; }

.hero-float-1 { bottom: 60px; left: -40px; min-width: 220px; animation-delay: 0s; }
.hero-float-2 { top: 40px; right: -30px; animation-delay: 1.5s; }
.hero-float-3 { bottom: -10px; right: -20px; animation-delay: 0.8s; }

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; line-height: 0; }
.hero-wave svg { width: 100%; height: 60px; }

/* ===== ABOUT ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.about-img-wrap { position: relative; display: inline-block; }
.about-main-img {
  width: 100%; max-width: 460px; height: 420px; object-fit: cover;
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  display: block;
}
.about-badge-card {
  position: absolute; background: var(--white); border-radius: var(--radius-sm);
  padding: 12px 18px; display: flex; align-items: center; gap: 10px;
  box-shadow: var(--shadow-lg); font-size: 0.82rem; font-weight: 700;
}
.about-badge-card i { font-size: 1.1rem; background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.about-badge-1 { bottom: -18px; left: -18px; }
.about-badge-2 { top: -18px; right: -18px; }
.about-shape { display: none; }
.about-icon-grid { display: none; }
.about-content .section-title { text-align: left; }
.about-content p { color: var(--text-light); margin-bottom: 16px; }
.about-highlights { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 24px 0 32px; }
.highlight { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; font-weight: 500; }
.highlight i { color: var(--primary); font-size: 1rem; }

/* ===== SERVICES ===== */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: var(--white); border-radius: var(--radius); padding: 32px 24px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gradient); transform: scaleX(0); transition: var(--transition);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }
.sc-img-wrap {
  margin: -32px -24px 22px;
  height: 175px;
  overflow: hidden;
}
.sc-img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .5s ease;
}
.service-card:hover .sc-img { transform: scale(1.05); }
.sc-icon {
  width: 56px; height: 56px; border-radius: 14px; background: var(--gradient-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 18px;
  background: var(--gradient); color: var(--white);
}
.service-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
.service-card p { color: var(--text-light); font-size: 0.88rem; margin-bottom: 18px; }
.sc-link { display: inline-flex; align-items: center; gap: 6px; color: var(--primary); font-size: 0.85rem; font-weight: 600; }
.sc-link:hover { gap: 10px; }

/* ===== WHY CHOOSE US ===== */
.why { position: relative; overflow: hidden; }
.why-bg-img { position: absolute; inset: 0; z-index: 0; }
.why-bg-img img { width: 100%; height: 100%; object-fit: cover; opacity: 0.06; }
.why .container { position: relative; z-index: 1; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.why-card {
  background: var(--white); border-radius: var(--radius); padding: 32px 24px;
  text-align: center; box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition);
}
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.why-icon {
  width: 64px; height: 64px; border-radius: 50%; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--white); margin: 0 auto 18px;
}
.why-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
.why-card p { color: var(--text-light); font-size: 0.88rem; }

/* ===== INSURANCE PLANS ===== */
.plans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.plan-card {
  background: var(--white); border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition); position: relative;
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.plan-featured { border: 2px solid var(--primary); transform: scale(1.03); }
.plan-featured:hover { transform: scale(1.03) translateY(-6px); }
.plan-badge {
  position: absolute; top: 16px; right: 16px;
  background: var(--gradient); color: white; font-size: 0.72rem;
  font-weight: 700; padding: 4px 12px; border-radius: 50px;
}
.plan-header {
  position: relative; overflow: hidden; height: 160px;
  display: flex; align-items: flex-end; padding: 20px;
}
.plan-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.plan-header::after { content: ''; position: absolute; inset: 0; }
.plan-health::after { background: linear-gradient(to top, rgba(232,93,4,0.85), rgba(255,154,92,0.5)); }
.plan-life::after { background: linear-gradient(to top, rgba(123,45,139,0.9), rgba(214,40,40,0.5)); }
.plan-general::after { background: linear-gradient(to top, rgba(123,45,139,0.85), rgba(214,40,40,0.6)); }
.plan-header-text { position: relative; z-index: 1; display: flex; align-items: center; gap: 12px; color: white; }
.plan-header-text i { font-size: 1.5rem; }
.plan-header-text h3 { font-size: 1.1rem; font-weight: 700; }
.plan-card ul { padding: 24px; display: flex; flex-direction: column; gap: 12px; }
.plan-card ul li { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; color: var(--text); }
.plan-card ul li i { color: var(--primary); font-size: 0.85rem; }
.plan-card .btn { margin: 0 24px 24px; }

/* ===== INVESTMENTS ===== */
.invest-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.invest-card {
  background: var(--white); border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition);
}
.invest-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.invest-img { width: 100%; height: 180px; object-fit: cover; display: block; }
.invest-card > .invest-icon,
.invest-card > h3,
.invest-card > p,
.invest-card > .invest-meta,
.invest-card > a { padding-left: 28px; padding-right: 28px; }
.invest-card > h3 { padding-top: 18px; font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.invest-card > p { color: var(--text-light); font-size: 0.88rem; margin-bottom: 14px; }
.invest-card > .invest-meta { margin-bottom: 18px; }
.invest-card > a { margin-bottom: 24px; display: inline-flex; margin-left: 28px; }
.invest-icon {
  width: 52px; height: 52px; border-radius: 14px; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: var(--white); margin: 20px 28px 14px;
}
.invest-meta span { display: flex; align-items: center; gap: 6px; font-size: 0.8rem; font-weight: 600; color: var(--primary); background: var(--gradient-soft); padding: 5px 12px; border-radius: 50px; }

/* ===== LOANS ===== */
.loans-hero-img { position: relative; height: 260px; overflow: hidden; border-radius: var(--radius); margin-bottom: 60px; }
.loans-hero-img img { width: 100%; height: 100%; object-fit: cover; }
.loans-hero-overlay {
  position: absolute; inset: 0; background: linear-gradient(135deg, rgba(232,93,4,0.82), rgba(123,45,139,0.82));
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 24px; color: white;
}
.loans-hero-overlay h2 { font-size: clamp(1.3rem, 3vw, 2rem); font-weight: 800; margin-bottom: 10px; }
.loans-hero-overlay p { font-size: 1rem; opacity: 0.9; }
.loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
.loan-card {
  background: var(--white); border-radius: var(--radius); padding: 28px 24px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition); text-align: center;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.loan-card i { font-size: 2rem; background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; margin-bottom: 14px; display: block; }
.loan-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
.loan-card p { color: var(--text-light); font-size: 0.85rem; margin-bottom: 14px; }
.loan-rate { display: inline-block; background: var(--gradient); color: white; font-size: 0.78rem; font-weight: 700; padding: 4px 14px; border-radius: 50px; }
.loans-cta { display: flex; gap: 16px; justify-content: center; }
.loans-cta .btn-outline { border-color: var(--primary); color: var(--primary); }
.loans-cta .btn-outline:hover { background: var(--primary); color: white; }

/* ===== PROCESS ===== */
.process-steps {
  display: flex; align-items: center; justify-content: center;
  gap: 0; flex-wrap: wrap;
}
.step {
  text-align: center; flex: 1; min-width: 180px; padding: 24px 16px;
  position: relative;
}
.step-num {
  font-size: 3rem; font-weight: 800; line-height: 1;
  background: var(--gradient); -webkit-background-clip: text;
  -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: 12px; opacity: 0.3;
}
.step-icon {
  width: 64px; height: 64px; border-radius: 50%; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: white; margin: 0 auto 16px;
  box-shadow: 0 8px 24px rgba(232,93,4,0.3);
}
.step h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.step p { color: var(--text-light); font-size: 0.85rem; }
.step-arrow { color: var(--primary); font-size: 1.2rem; opacity: 0.4; padding: 0 8px; }

/* ===== TESTIMONIALS ===== */
.testimonial-slider { position: relative; overflow: hidden; }
.testimonial-track { display: flex; transition: transform 0.5s ease; }
.testimonial-slide { min-width: 100%; padding: 0 16px; }
.testi-card {
  background: var(--white); border-radius: var(--radius); padding: 36px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  max-width: 700px; margin: 0 auto;
}
.testi-stars { color: #f59e0b; margin-bottom: 16px; font-size: 1rem; }
.testi-card p { color: var(--text); font-size: 1rem; line-height: 1.7; margin-bottom: 24px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 52px; height: 52px; border-radius: 50%; background: var(--gradient);
  display: flex; align-items: center; justify-content: center; color: white;
  font-size: 1.1rem; overflow: hidden; flex-shrink: 0;
}
.testi-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testi-author strong { display: block; font-weight: 700; }
.testi-author span { font-size: 0.82rem; color: var(--text-light); }
.slider-controls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 32px; }
.slider-btn {
  width: 44px; height: 44px; border-radius: 50%; background: var(--white);
  border: 2px solid var(--border); display: flex; align-items: center; justify-content: center;
  color: var(--text); transition: var(--transition); font-size: 0.9rem;
}
.slider-btn:hover { background: var(--gradient); border-color: transparent; color: white; }
.slider-dots { display: flex; gap: 8px; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--border); transition: var(--transition); cursor: pointer; }
.dot.active { background: var(--primary); width: 24px; border-radius: 4px; }

/* ===== TEAM ===== */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.team-card {
  background: var(--white); border-radius: var(--radius); padding: 32px 20px;
  text-align: center; box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.team-avatar {
  width: 90px; height: 90px; border-radius: 50%; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem; color: white; margin: 0 auto 16px; overflow: hidden;
  border: 3px solid transparent;
  background-clip: padding-box;
  box-shadow: 0 0 0 3px var(--primary);
}
.team-avatar img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-card h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 4px; }
.team-card span { font-size: 0.8rem; color: var(--primary); font-weight: 600; display: block; margin-bottom: 10px; }
.team-card p { color: var(--text-light); font-size: 0.82rem; margin-bottom: 16px; }
.team-social { display: flex; justify-content: center; gap: 10px; }
.team-social a {
  width: 34px; height: 34px; border-radius: 50%; background: var(--bg-light);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-light); font-size: 0.85rem; transition: var(--transition);
}
.team-social a:hover { background: var(--gradient); color: white; }

/* ===== FAQ ===== */
.faq-container { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: var(--white); border-radius: var(--radius-sm); border: 1px solid var(--border); overflow: hidden; }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; font-size: 0.95rem; font-weight: 600; color: var(--text);
  text-align: left; transition: var(--transition);
}
.faq-question:hover { color: var(--primary); }
.faq-question i { transition: var(--transition); color: var(--primary); flex-shrink: 0; }
.faq-item.active .faq-question i { transform: rotate(45deg); }
.faq-item.active .faq-question { color: var(--primary); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s ease; }
.faq-answer p { padding: 0 24px 20px; color: var(--text-light); font-size: 0.9rem; line-height: 1.7; }
.faq-item.active .faq-answer { max-height: 200px; }

/* ===== CONTACT ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: start; }
.contact-item { display: flex; gap: 16px; margin-bottom: 24px; }
.ci-icon {
  width: 44px; height: 44px; border-radius: 12px; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 1rem; flex-shrink: 0;
}
.contact-item h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 4px; }
.contact-item p, .contact-item a { color: var(--text-light); font-size: 0.88rem; }
.contact-item a:hover { color: var(--primary); }
.map-embed { margin-top: 8px; border-radius: var(--radius); overflow: hidden; }

/* Contact Form */
.contact-form-wrap { background: var(--white); border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow); border: 1px solid var(--border); }
.contact-form h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 6px; color: var(--text); }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.9rem; color: var(--text);
  background: var(--bg-light); transition: var(--transition); outline: none;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  border-color: var(--primary); background: white; box-shadow: 0 0 0 3px rgba(232,93,4,0.1);
}
.form-group input.error, .form-group textarea.error { border-color: #ef4444; }
.form-error { display: block; color: #ef4444; font-size: 0.78rem; margin-top: 4px; min-height: 16px; }
.form-success {
  display: none; align-items: center; gap: 10px; padding: 14px 18px;
  background: #f0fdf4; border: 1px solid #86efac; border-radius: var(--radius-sm);
  color: #16a34a; font-size: 0.9rem; font-weight: 600; margin-top: 16px;
}
.form-success.show { display: flex; }

/* ===== FOOTER ===== */
.footer { background: var(--dark-2); color: rgba(255,255,255,0.8); }
.footer-top { padding: 70px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; }
.footer-brand .footer-logo { color: white; margin-bottom: 16px; display: inline-flex; }
.footer-brand p { font-size: 0.85rem; color: rgba(255,255,255,0.55); line-height: 1.7; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6); font-size: 0.85rem; transition: var(--transition);
}
.footer-social a:hover { background: var(--gradient); color: white; }
.footer-links h4, .footer-contact h4 { font-size: 0.95rem; font-weight: 700; color: white; margin-bottom: 18px; }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.85rem; color: rgba(255,255,255,0.55); transition: var(--transition); }
.footer-links a:hover { color: var(--primary); padding-left: 4px; }
.footer-contact p { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; color: rgba(255,255,255,0.55); margin-bottom: 12px; }
.footer-contact i { color: var(--primary); margin-top: 2px; flex-shrink: 0; }
.footer-contact a { color: rgba(255,255,255,0.55); }
.footer-contact a:hover { color: var(--primary); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; text-align: center;
}
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.4); margin-bottom: 6px; }
.disclaimer { font-size: 0.75rem !important; max-width: 700px; margin: 0 auto !important; }

/* ===== PARTNERS ===== */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.partner-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  padding: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  height: 90px;
  overflow: hidden;
}
.partner-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-3px);
  border-color: var(--primary);
}
.partner-card img {
  max-height: 60px;
  width: 100%;
  object-fit: contain;
  filter: grayscale(40%);
  transition: var(--transition);
}
.partner-card:hover img { filter: grayscale(0%); }

/* ===== FLOATING BUTTONS ===== */
.whatsapp-float {
  position: fixed; bottom: 90px; right: 24px; z-index: 999;
  width: 54px; height: 54px; border-radius: 50%; background: #25d366;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 1.6rem; box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  transition: var(--transition);
}
.whatsapp-float:hover { transform: scale(1.1); box-shadow: 0 8px 30px rgba(37,211,102,0.5); }
.back-to-top {
  position: fixed; bottom: 24px; right: 24px; z-index: 999;
  width: 44px; height: 44px; border-radius: 50%; background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 0.9rem; box-shadow: 0 4px 16px rgba(232,93,4,0.4);
  opacity: 0; pointer-events: none; transition: var(--transition);
}
.back-to-top.visible { opacity: 1; pointer-events: all; }
.back-to-top:hover { transform: translateY(-3px); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .about-shape { width: 280px; height: 280px; }
  .partners-grid { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 60px 0; }

  /* ===== MOBILE DRAWER ===== */
  .nav-menu {
    position: fixed; top: 0; right: -320px; width: 300px;
    height: 100vh;
    height: var(--vh, 100vh);
    height: 100dvh;
    background: #0f0f1a;
    flex-direction: column; padding: 0;
    gap: 0; margin-left: 0;
    z-index: 999; overflow-y: auto; overflow-x: hidden;
    transition: right .35s cubic-bezier(.4,0,.2,1);
    box-shadow: -8px 0 40px rgba(0,0,0,0.4);
    display: flex;
  }
  .nav-menu.open { right: 0; }

  /* Drawer header */
  .nav-drawer-head {
    display: flex; align-items: center; justify-content: space-between;
    padding: 20px 18px 20px 20px;
    border-bottom: 1px solid rgba(255,255,255,.07);
    background: rgba(255,255,255,.03);
    flex-shrink: 0;
  }
  .nav-drawer-brand { display: flex; align-items: center; gap: 10px; }
  .nav-drawer-logo {
    height: 40px; width: auto; object-fit: contain;
    background: rgba(255,255,255,.1); border-radius: 8px;
    padding: 5px 8px;
    border: 1px solid rgba(255,255,255,.12);
  }
  .nav-drawer-brand-text strong {
    display: block; font-size: .82rem; font-weight: 700;
    color: #fff; letter-spacing: .3px;
  }
  .nav-drawer-brand-text span {
    font-size: .68rem; color: rgba(255,255,255,.4);
    font-weight: 500;
  }
  .nav-close-btn {
    display: flex; align-items: center; justify-content: center;
    width: 34px; height: 34px; border-radius: 8px;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.12);
    color: rgba(255,255,255,.7); font-size: 1rem;
    cursor: pointer; transition: var(--transition);
    flex-shrink: 0;
  }
  .nav-close-btn:hover {
    background: rgba(232,93,4,.25);
    border-color: rgba(232,93,4,.4);
    color: #fff;
  }

  /* Nav items in drawer */
  .nav-item { width: 100%; }
  .nav-link {
    display: flex !important; align-items: center;
    padding: 14px 20px !important; margin: 0 10px;
    border-radius: 10px; color: rgba(255,255,255,.6) !important;
    font-size: .88rem; font-weight: 500;
    transition: var(--transition); gap: 12px;
    position: relative; width: calc(100% - 20px);
  }
  .nav-link:hover {
    color: #fff !important;
    background: rgba(255,255,255,.07);
  }
  .nav-link.active {
    color: #fff !important;
    background: linear-gradient(135deg, rgba(232,93,4,.25), rgba(123,45,139,.2));
    border: 1px solid rgba(232,93,4,.25);
  }
  .nav-link.active .nl-icon { color: #e85d04; }

  /* Icon badge */
  .nl-icon {
    display: flex; align-items: center; justify-content: center;
    width: 32px; height: 32px; border-radius: 8px; flex-shrink: 0;
    background: rgba(255,255,255,.08);
    font-size: .82rem; color: rgba(255,255,255,.6);
    transition: var(--transition);
  }
  .nav-link:hover .nl-icon {
    background: rgba(232,93,4,.2);
    color: #e85d04;
  }
  .nav-link.active .nl-icon {
    background: rgba(232,93,4,.3);
  }

  /* Label */
  .nl-label { flex: 1; }

  /* Chevron arrow */
  .nl-arrow {
    display: block; font-size: .65rem;
    color: rgba(255,255,255,.2);
    transition: var(--transition);
  }
  .nav-link:hover .nl-arrow,
  .nav-link.active .nl-arrow {
    color: rgba(232,93,4,.6);
    transform: translateX(2px);
  }

  /* Section gap between links */
  .nav-item:first-of-type { margin-top: 8px; }
  .nav-item:last-of-type  { margin-bottom: 8px; }

  /* Drawer footer */
  .nav-drawer-foot {
    display: flex; flex-direction: column; gap: 10px;
    padding: 16px 20px 24px;
    border-top: 1px solid rgba(255,255,255,.07);
    margin-top: auto; flex-shrink: 0;
  }
  .nav-drawer-cta {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 20px; border-radius: 50px;
    background: linear-gradient(135deg, #e85d04, #7b2d8b);
    color: #fff; font-size: .88rem; font-weight: 700;
    box-shadow: 0 4px 18px rgba(232,93,4,.35);
    transition: var(--transition);
  }
  .nav-drawer-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(232,93,4,.45);
    color: #fff;
  }
  .nav-drawer-tagline {
    text-align: center; font-size: .68rem;
    color: rgba(255,255,255,.3); font-weight: 500;
    letter-spacing: .3px;
  }
  .nav-drawer-tagline i { color: rgba(232,93,4,.6); }

  /* Hide desktop nav elements */
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .hero-content { grid-template-columns: 1fr; gap: 40px; padding: 40px 24px; text-align: center; }
  .hero-text p { margin: 0 auto 32px; }
  .hero-btns { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-visual { display: flex; justify-content: center; }
  .hero-person-img { max-width: 320px; height: 360px; }
  .hero-float-1 { left: -10px; bottom: 40px; min-width: 180px; }
  .hero-float-2 { right: -10px; top: 20px; }
  .hero-float-3 { right: -10px; bottom: -10px; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-main-img { max-width: 100%; height: 300px; }
  .about-badge-1 { bottom: -12px; left: 0; }
  .about-badge-2 { top: -12px; right: 0; }
  .about-content .section-title { text-align: center; }
  .about-highlights { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .plans-grid { grid-template-columns: 1fr; }
  .plan-featured { transform: none; }
  .plan-featured:hover { transform: translateY(-6px); }
  .invest-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { flex-direction: column; }
  .step-arrow { transform: rotate(90deg); }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 480px) {
  .why-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .stat span { font-size: 1.6rem; }
  .loans-cta { flex-direction: column; align-items: center; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ===== MULTIPAGE ADDITIONS ===== */
/* Active nav link */
.nav-link.active { color: var(--primary) !important; }
.navbar.scrolled .nav-link.active { color: var(--primary); }

/* Page hero (inner pages) */
.page-hero { padding-top: 100px !important; }

/* Invest meta flex fix */
.invest-meta { display: flex; gap: 10px; flex-wrap: wrap; }

/* ===== LOADER — prevent FOUC ===== */
body { visibility: visible; }
#page-loader ~ * { /* content renders but loader sits on top */ }

/* ===== SERVICE CARD IMAGE ===== */
.sc-img-wrap {
  margin: -32px -24px 20px;
  width: calc(100% + 48px);
  height: 180px; overflow: hidden;
  border-radius: var(--radius) var(--radius) 0 0;
  flex-shrink: 0;
}
.sc-img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .45s ease;
}
.service-card { overflow: hidden; }
.service-card:hover .sc-img { transform: scale(1.06); }