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

:root {
  --black: #050505;
  --black-soft: #0A0A0A;
  --navy: #0F172A;
  --navy-soft: #1E293B;
  --navy-line: #1E293B;

  --blue: #00AEEF;
  --blue-600: #0284C7;
  --blue-700: #0369A1;
  --blue-deep: #075985;
  --light-blue: #38BDF8;
  --sky: #7DD3FC;
  --sky-soft: #BAE6FD;
  --pale-blue: #E0F2FE;
  --ice: #F0F9FF;
  --ice-soft: #F8FAFC;

  --white: #FFFFFF;
  --ink: #0F172A;
  --body: #475569;
  --muted: #94A3B8;
  --line: #E2E8F0;
  --line-strong: #CBD5E1;

  --grad-blue: linear-gradient(135deg, #00AEEF 0%, #0284C7 50%, #0EA5E9 100%);
  --grad-blue-soft: linear-gradient(135deg, #E0F2FE 0%, #F0F9FF 50%, #FFFFFF 100%);
  --grad-hero: linear-gradient(135deg, #050505 0%, #0F172A 40%, #0C3A56 75%, #0369A1 100%);
  --grad-dark-panel: linear-gradient(160deg, #050505 0%, #0F172A 55%, #082F49 100%);
  --grad-glow: linear-gradient(120deg, #7DD3FC 0%, #38BDF8 45%, #FFFFFF 100%);
  --grad-button: linear-gradient(135deg, #0EA5E9 0%, #0284C7 50%, #0369A1 100%);

  --font-display: 'Sora', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; -webkit-tap-highlight-color: transparent; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--body);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink); line-height: 1.15; letter-spacing: -0.02em; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

.wrap { max-width: 1180px; margin: 0 auto; padding: 0 1.25rem; }
@media (min-width: 640px) { .wrap { padding: 0 2rem; } }

/* ---- Gradient Text ---- */
.grad-text {
  background: var(--grad-blue);
  background-size: 200% 200%;
  -webkit-background-clip: text; background-clip: text; color: transparent;
  animation: gradShift 8s ease infinite;
}
.grad-text-light {
  background: var(--grad-glow);
  background-size: 200% 200%;
  -webkit-background-clip: text; background-clip: text; color: transparent;
  animation: gradShift 8s ease infinite;
}
@keyframes gradShift {
  0%, 100% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
}

/* ---- Buttons ---- */
.btn-primary {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px;
  background: var(--grad-button); background-size: 200% 200%;
  color: #fff; font-weight: 600; font-size: 14px;
  animation: gradShift 6s ease infinite;
  box-shadow: 0 10px 24px -10px rgba(2, 132, 199, 0.55);
  transition: transform .25s cubic-bezier(.16,1,.3,1), box-shadow .25s ease;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 34px -12px rgba(14, 165, 233, 0.6); }

.btn-dark {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px;
  background: var(--black); color: #fff; font-weight: 600; font-size: 14px;
  border: 1.5px solid var(--black);
  transition: all .25s ease;
}
.btn-dark:hover { transform: translateY(-2px); background: var(--navy); border-color: var(--navy); }

.btn-outline {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px;
  background: #fff; color: var(--ink); font-weight: 600; font-size: 14px;
  border: 1.5px solid var(--line-strong);
  transition: all .25s ease;
}
.btn-outline:hover { transform: translateY(-2px); border-color: var(--light-blue); color: var(--blue-600); box-shadow: 0 10px 24px -12px rgba(56, 189, 248, 0.5); }

.btn-outline-light {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px;
  background: rgba(255,255,255,0.06); color: #fff; font-weight: 600; font-size: 14px;
  border: 1.5px solid rgba(125, 211, 252, 0.35);
  backdrop-filter: blur(8px);
  transition: all .25s ease;
}
.btn-outline-light:hover { transform: translateY(-2px); border-color: var(--sky); background: rgba(125, 211, 252, 0.15); }

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }

.logo-mark {
  width: 44px; height: 44px; border-radius: 14px;
  background: var(--grad-button);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-family: var(--font-display); font-weight: 800; font-size: 18px;
  box-shadow: 0 8px 22px -8px rgba(2, 132, 199, 0.6);
}

.brand-name { font-family: var(--font-display); font-size: 18px; font-weight: 800; color: var(--ink); line-height: 1; }
.brand-tag { font-size: 9px; letter-spacing: 0.28em; font-weight: 700; text-transform: uppercase; color: var(--blue-600); margin-top: 5px; }

.nav-links { display: none; gap: 1.6rem; align-items: center; }
.nav-link {
  position: relative; color: var(--body); font-weight: 500; font-size: 13.5px;
  padding: 0.5rem 0; transition: color .2s;
}
.nav-link::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 2.5px; border-radius: 99px; background: var(--grad-button);
  transform: scaleX(0); transform-origin: left;
  transition: transform .3s cubic-bezier(.16,1,.3,1);
}
.nav-link:hover, .nav-link.nav-active { color: var(--ink); }
.nav-link:hover::after, .nav-link.nav-active::after { transform: scaleX(1); }

.header-cta { display: none; gap: 0.5rem; align-items: center; }
.header-cta .btn-outline, .header-cta .btn-primary { padding: 0.6rem 1.1rem; font-size: 12.5px; }

.mobile-toggle {
  display: flex; padding: 0.6rem; border-radius: 0.75rem;
  border: 1px solid var(--line); color: var(--ink);
}

.mobile-drawer {
  display: none; flex-direction: column; gap: 0.25rem;
  border-top: 1px solid var(--line);
  padding: 1rem 1.25rem 1.25rem;
  background: #fff;
}
.mobile-drawer.open { display: flex; }
.m-nav { width: 100%; text-align: left; padding: 0.85rem 1rem; border-radius: 0.75rem; color: var(--body); font-weight: 500; font-size: 14px; transition: background .2s; }
.m-nav:hover, .m-nav.nav-active { background: var(--pale-blue); color: var(--blue-700); }

@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .header-cta { display: flex; }
  .mobile-toggle { display: none; }
}

/* ---- Hero ---- */
.hero {
  position: relative;
  background: var(--grad-hero);
  color: #fff;
  padding: 3rem 0 3.5rem;
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(125, 211, 252, 0.12) 1px, transparent 1px);
  background-size: 24px 24px; pointer-events: none;
}
.hero-blob {
  position: absolute; border-radius: 50%; filter: blur(80px); opacity: 0.45; pointer-events: none;
  animation: blobFloat 16s ease-in-out infinite;
}
.hero-blob-1 { width: 480px; height: 480px; background: radial-gradient(circle, #38BDF8, #0EA5E9); top: -180px; left: -180px; }
.hero-blob-2 { width: 380px; height: 380px; background: radial-gradient(circle, #7DD3FC, #22D3EE); bottom: -150px; right: -120px; animation-delay: -8s; opacity: 0.35; }
@keyframes blobFloat {
  0%, 100% { transform: translate(0,0) scale(1); }
  50% { transform: translate(30px, -40px) scale(1.1); }
}

/* Hero grid - desktop stretches both columns to the same height */
.hero-grid {
  display: grid;
  gap: 2rem;
  align-items: stretch;
  position: relative;
  z-index: 2;
}
@media (min-width: 1024px) {
  .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 3rem; }
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.5rem 1rem; border-radius: 999px;
  background: rgba(125, 211, 252, 0.1);
  border: 1px solid rgba(125, 211, 252, 0.35);
  color: var(--sky);
  font-size: 11.5px; font-weight: 600; letter-spacing: 0.04em;
}

.hero h1 { color: #fff; font-size: 2.7rem; margin: 1.25rem 0 1rem; font-weight: 800; line-height: 1.05; }
@media (min-width: 640px) { .hero h1 { font-size: 3.2rem; } }
@media (min-width: 1024px) { .hero h1 { font-size: 3.6rem; } }

.hero p.lead { font-size: 15.5px; color: #CBD5E1; max-width: 32rem; line-height: 1.7; }
.hero p.lead strong { color: #fff; font-weight: 600; }

.hero-specs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; max-width: 26rem; margin-top: 1.75rem; }
.spec-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(125, 211, 252, 0.18);
  border-radius: 1rem; padding: 0.9rem 0.6rem; text-align: center; backdrop-filter: blur(6px);
}
.spec-val { font-family: var(--font-display); font-size: 1.25rem; font-weight: 800; color: var(--sky); line-height: 1; }
.spec-lbl { font-size: 9.5px; text-transform: uppercase; letter-spacing: 0.08em; color: #94A3B8; margin-top: 6px; font-weight: 600; }

.hero-cta { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.75rem; }
.hero-note { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 11.5px; color: #94A3B8; margin-top: 1.25rem; }

/* ---- Profile Image / Hero Visual ---- */
.hero-visual {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}
.hero-img-wrap {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
  overflow: clip;                       /* more reliable clipping with transformed children */
  box-shadow: 0 30px 70px -20px rgba(0, 0, 0, 0.6);
  width: 100%;
  flex: 1;
  min-height: 420px;
  background: #0F172A;                  /* dark fallback - never white if clip ever slips */
  isolation: isolate;                   /* ensures rounded clip applies to children */
}
.hero-img-wrap img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 25%;
  display: block;
  border-radius: inherit;               /* rounds the image itself - kills white corners */
  transform: scale(1.08);               /* crops white edges further */
  transform-origin: center center;
  -webkit-backface-visibility: hidden;  /* fixes Safari antialiasing artefacts */
  backface-visibility: hidden;
}
.hero-img-wrap::after {
  content: ''; position: absolute; inset: 0;
  border-radius: inherit;
  background: linear-gradient(180deg, rgba(5,5,5,0.05) 0%, transparent 40%, rgba(5,5,5,0.55) 100%);
  pointer-events: none;
  z-index: 2;
}

.float-chip {
  position: absolute;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border-radius: 1rem; padding: 0.85rem 0.95rem;
  box-shadow: 0 16px 40px -10px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255,255,255,0.7);
  z-index: 3;
}
.float-chip-1 { top: 1.15rem; left: 1.15rem; animation: floatChip 6s ease-in-out infinite; }
.float-chip-2 { bottom: 1.15rem; right: 1.15rem; animation: floatChip 6s ease-in-out infinite; animation-delay: -3s; }
@keyframes floatChip { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

.chip-label { font-size: 9.5px; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); font-weight: 700; }
.chip-value { font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; color: var(--blue-600); margin-top: 2px; }
.chip-sub { font-size: 10px; color: var(--muted); margin-top: 2px; }
.chip-title { font-size: 11px; font-weight: 700; color: var(--ink); }
.chip-desc { font-size: 9.5px; color: var(--muted); }
.chip-icon { width: 34px; height: 34px; border-radius: 10px; }

/* ---- Marquee ---- */
.marquee-strip {
  background: var(--black); padding: 1rem 0; overflow: hidden;
  border-top: 1px solid var(--navy-line);
  border-bottom: 1px solid var(--navy-line);
}
.marquee-track { display: flex; width: max-content; animation: marquee 36s linear infinite; }
.marquee-item {
  display: inline-flex; align-items: center; gap: 0.6rem;
  padding: 0 1.75rem;
  font-size: 12px; font-weight: 600; letter-spacing: 0.02em;
  color: #E0F2FE; white-space: nowrap;
}
.marquee-item svg { color: var(--sky); flex-shrink: 0; }
.marquee-item::after { content: '·'; color: #334155; margin-left: 1.75rem; font-weight: 400; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---- Sections & Grids ---- */
.section { padding: 2.75rem 0; }
@media (min-width: 768px) { .section { padding: 3.5rem 0; } }
.section-dark { background: var(--grad-dark-panel); color: #CBD5E1; position: relative; overflow: hidden; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark .eyebrow { color: var(--sky); }
.section-ice { background: var(--ice); }

.cta-band { padding: 2.5rem 0; }

.eyebrow {
  display: inline-block;
  font-size: 11px; font-weight: 700; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--blue-600);
}

.section-title { font-size: 1.85rem; margin: 0.75rem 0 1rem; font-weight: 800; }
@media (min-width: 768px) { .section-title { font-size: 2.35rem; } }

.grid-2 { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
.grid-3 { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media(min-width: 768px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media(min-width: 1024px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }

/* ---- Cards ---- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: 1.25rem;
  padding: 1.5rem;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.card:hover { transform: translateY(-4px); border-color: var(--sky-soft); box-shadow: 0 24px 48px -20px rgba(56, 189, 248, 0.25); }

.icon-badge {
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; flex-shrink: 0;
}
.icon-blue { background: linear-gradient(135deg, #00AEEF, #0284C7); }
.icon-dark { background: linear-gradient(135deg, #0F172A, #1E293B); }
.icon-cyan { background: linear-gradient(135deg, #22D3EE, #0891B2); }
.icon-navy { background: linear-gradient(135deg, #1E40AF, #0369A1); }

/* ---- Benefit Strip (compact Why Pfukani) ---- */
.benefit-strip {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
  margin-top: 2rem;
}
@media (min-width: 768px) { .benefit-strip { grid-template-columns: repeat(3, 1fr); } }

.benefit-item {
  display: flex; align-items: center; gap: 0.85rem;
  padding: 0.9rem 1rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 1rem;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.benefit-item:hover {
  transform: translateY(-2px);
  border-color: var(--sky-soft);
  box-shadow: 0 16px 32px -16px rgba(56, 189, 248, 0.25);
}
.benefit-item h4 { font-size: 13px; margin: 0; line-height: 1.2; color: var(--ink); }
.benefit-item p { font-size: 11.5px; color: var(--body); margin: 3px 0 0; line-height: 1.4; }
.benefit-item .icon-badge { width: 40px; height: 40px; border-radius: 10px; }

.section-divider {
  margin-top: 2.75rem;
  padding-top: 2.25rem;
  border-top: 1px solid var(--line);
}

/* ---- Estimator ---- */
.estimator-grid { display: grid; gap: 1.25rem; margin-top: 2rem; }
@media (min-width: 900px) { .estimator-grid { grid-template-columns: 1.2fr 1fr; } }

.calc-panel { background: #fff; border-radius: 1.5rem; padding: 1.75rem; box-shadow: 0 20px 50px -20px rgba(0, 0, 0, 0.5); }
.calc-label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); }
.calc-amount-display { font-family: var(--font-display); font-size: 2.5rem; font-weight: 800; color: var(--blue-600); line-height: 1; }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 10px; border-radius: 999px;
  background: var(--line); outline: none; cursor: pointer;
  margin: 1.25rem 0 0.5rem;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--grad-button);
  border: 3px solid #fff;
  box-shadow: 0 0 0 5px rgba(14, 165, 233, 0.15), 0 6px 14px rgba(14, 165, 233, 0.4);
  cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 26px; height: 26px; border-radius: 50%;
  background: #0284C7; border: 3px solid #fff; cursor: grab;
}

.term-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.6rem; margin-top: 0.75rem; }
.term-btn {
  border: 1.5px solid var(--line); background: #fff; color: var(--body);
  padding: 0.85rem 0.5rem; border-radius: 0.9rem;
  font-weight: 600; font-size: 13px; transition: all .2s;
}
.term-btn:hover { border-color: var(--light-blue); }
.term-btn.active {
  background: var(--grad-button); color: #fff; border-color: transparent;
  box-shadow: 0 8px 20px -8px rgba(2, 132, 199, 0.6);
}

.calc-result {
  background: var(--black); border-radius: 1.5rem; padding: 1.75rem; color: #fff;
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; justify-content: space-between;
}
.calc-result::before {
  content: ''; position: absolute; top: -80px; right: -80px;
  width: 240px; height: 240px; border-radius: 50%;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.4), transparent 70%);
  pointer-events: none;
}
.calc-result h3 { color: #fff; font-size: 1.1rem; }
.calc-result-label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #7DD3FC; }
.calc-result-value { font-family: var(--font-display); font-size: 2.4rem; font-weight: 800; color: var(--sky); margin-top: 0.5rem; }
.calc-result-rows { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.25rem; margin-top: 1.25rem; display: flex; flex-direction: column; gap: 0.6rem; font-size: 12.5px; color: #94A3B8; }
.calc-result-rows div { display: flex; justify-content: space-between; }
.calc-result-rows strong { color: #fff; font-weight: 600; }

/* ---- Loan Cards ---- */
.loan-grid { display: grid; gap: 1rem; }
@media (min-width: 768px) { .loan-grid { grid-template-columns: repeat(3, 1fr); } }

.loan-card {
  background: #fff; border: 1px solid var(--line); border-radius: 1.25rem;
  padding: 1.5rem; transition: transform .3s, box-shadow .3s; position: relative;
}
.loan-card:hover { transform: translateY(-5px); box-shadow: 0 24px 48px -20px rgba(14, 165, 233, 0.3); }
.loan-card.popular { border: 1.5px solid var(--blue-600); box-shadow: 0 20px 44px -20px rgba(2, 132, 199, 0.4); }
.loan-badge {
  position: absolute; top: -10px; left: 1.5rem;
  background: var(--grad-button); color: #fff;
  font-size: 9px; letter-spacing: 0.15em; text-transform: uppercase;
  padding: 0.3rem 0.75rem; border-radius: 999px; font-weight: 700;
}
.loan-card h3 { font-size: 1.25rem; margin-top: 0.75rem; }
.loan-card p { font-size: 12.5px; color: var(--muted); margin-top: 0.4rem; }
.loan-row { display: flex; justify-content: space-between; padding: 0.7rem 0; border-top: 1px solid var(--line); font-size: 12px; }
.loan-row:first-of-type { margin-top: 1rem; }
.loan-row span:first-child { color: var(--muted); }
.loan-row span:last-child { font-weight: 600; color: var(--ink); }

/* ---- FAQ Accordion ---- */
.faq-item { border-bottom: 1px solid var(--line); padding: 1.25rem 0; }
.faq-item:last-child { border-bottom: none; }
.faq-q {
  width: 100%; text-align: left;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  font-weight: 600; font-size: 15px; color: var(--ink); padding: 0;
  transition: color .2s;
}
.faq-q:hover { color: var(--blue-600); }
.faq-chev { transition: transform .3s ease, color .3s ease; color: var(--muted); flex-shrink: 0; }
.faq-item.open .faq-chev { transform: rotate(45deg); color: var(--blue-600); }
.faq-a { display: none; margin-top: 0.75rem; font-size: 13.5px; color: var(--body); line-height: 1.7; }
.faq-item.open .faq-a { display: block; animation: slideDown .3s ease; }
@keyframes slideDown { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }

/* ---- Footer ---- */
.footer { background: var(--black); color: #94A3B8; padding: 3rem 0 1.5rem; position: relative; overflow: hidden; }
.footer::before {
  content: ''; position: absolute; top: -200px; left: 20%;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.15), transparent 70%);
  pointer-events: none;
}
.footer-grid { display: grid; gap: 2rem; grid-template-columns: 1fr; position: relative; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } }
.footer h4 { color: #fff; font-size: 11px; text-transform: uppercase; letter-spacing: 0.15em; margin-bottom: 1rem; font-weight: 700; }
.footer p, .footer li { font-size: 12px; line-height: 1.7; }
.footer a { color: #94A3B8; transition: color .2s; }
.footer a:hover { color: var(--sky); }
.footer ul { list-style: none; display: flex; flex-direction: column; gap: 0.6rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-top: 2rem; padding-top: 1.25rem;
  text-align: center; font-size: 11px; color: #64748B; position: relative;
}

.ncr-pill {
  display: inline-flex; align-items: center; gap: 0.4rem;
  padding: 0.35rem 0.75rem; border-radius: 999px;
  background: rgba(56, 189, 248, 0.1);
  border: 1px solid rgba(56, 189, 248, 0.3);
  color: var(--sky);
  font-size: 10.5px; font-weight: 600; margin-top: 0.9rem;
}

/* ---- Floating WhatsApp ---- */
.wa-float {
  position: fixed; bottom: 20px; right: 20px;
  width: 60px; height: 60px; border-radius: 50%;
  background: #25D366;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  box-shadow: 0 12px 30px -6px rgba(37, 211, 102, 0.55), 0 0 0 4px rgba(37, 211, 102, 0.15);
  z-index: 60; transition: transform .3s ease, box-shadow .3s ease;
}
.wa-float:hover {
  transform: scale(1.1) rotate(-4deg);
  box-shadow: 0 16px 40px -6px rgba(37, 211, 102, 0.7), 0 0 0 5px rgba(37, 211, 102, 0.2);
}
.wa-float svg { width: 30px; height: 30px; }

/* ---- Modal ---- */
.modal-overlay {
  display: none; position: fixed; inset: 0; z-index: 100;
  background: rgba(5, 5, 5, 0.75); backdrop-filter: blur(8px);
  align-items: center; justify-content: center; padding: 1rem;
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: #fff; border-radius: 1.5rem;
  max-width: 34rem; width: 100%; max-height: 90vh; overflow-y: auto;
  padding: 2rem; position: relative;
}
.modal-close {
  position: absolute; top: 1rem; right: 1rem;
  width: 34px; height: 34px; border-radius: 10px;
  background: var(--ice); color: var(--ink);
  display: flex; align-items: center; justify-content: center; font-size: 20px;
}

/* ---- Utility ---- */
.text-center { text-align: center; }
.mt-2 { margin-top: 0.5rem; } .mt-4 { margin-top: 1rem; } .mt-6 { margin-top: 1.5rem; } .mt-8 { margin-top: 2rem; } .mt-10 { margin-top: 2.5rem; } .mt-12 { margin-top: 3rem; }
.mb-2 { margin-bottom: 0.5rem; } .mb-4 { margin-bottom: 1rem; } .mb-6 { margin-bottom: 1.5rem; }
.w-full { width: 100%; }

/* ---- Page-specific hero ---- */
.page-hero {
  background: var(--grad-dark-panel);
  color: #fff; padding: 4rem 0; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(125, 211, 252, 0.08) 1px, transparent 1px);
  background-size: 24px 24px;
}
.page-hero h1 { color: #fff; font-size: 2.5rem; margin-top: 1rem; font-weight: 800; }
.page-hero p { color: #CBD5E1; max-width: 44rem; margin-top: 1rem; }

/* ==========================================================
   MOBILE / TABLET (≤1023px)
   ========================================================== */
@media (max-width: 1023px) {

  .hero { padding: 1.75rem 0 2rem; }

  .hero-grid {
    align-items: start;
    gap: 1.25rem;
  }

  .hero-visual {
    display: block;
    position: relative;
  }

  .hero-img-wrap {
    position: relative;
    flex: none;
    width: 100%;
    max-width: 100%;
    aspect-ratio: 4 / 5;
    min-height: 0;
    margin: 0;
    border-radius: 1.25rem;
    background: #0F172A;
  }
  .hero-img-wrap img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 25%;
    border-radius: inherit;
    transform: scale(1.2);
    transform-origin: center center;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
  }

  .float-chip { padding: 0.5rem 0.7rem; border-radius: 0.65rem; }
  .float-chip-1 { top: 0.7rem; left: 0.7rem; }
  .float-chip-2 { bottom: 0.7rem; right: 0.7rem; }
  .chip-icon { width: 24px !important; height: 24px !important; border-radius: 6px; }
  .chip-icon svg { width: 12px; height: 12px; }
  .chip-title { font-size: 9px; }
  .chip-desc { font-size: 7.5px; }
  .chip-label { font-size: 8px; }
  .chip-value { font-size: 1.1rem; margin-top: 0; }
  .chip-sub { font-size: 8px; margin-top: 0; }
}

/* ==========================================================
   MOBILE (≤768px)
   ========================================================== */
@media (max-width: 768px) {

  .hero { padding: 1.5rem 0 1.75rem; }
  .hero-grid { gap: 1.1rem; }
  .hero-badge { font-size: 10.5px; padding: 0.4rem 0.85rem; }
  .hero h1 { font-size: 1.9rem; margin: 0.9rem 0 0.7rem; line-height: 1.1; }
  .hero p.lead { font-size: 14px; line-height: 1.55; }
  .hero-specs { gap: 0.5rem; margin-top: 1.15rem; max-width: none; }
  .spec-card { padding: 0.6rem 0.35rem; border-radius: 0.75rem; }
  .spec-val { font-size: 1rem; }
  .spec-lbl { font-size: 8px; margin-top: 4px; }
  .hero-cta { margin-top: 1.2rem; gap: 0.5rem; }
  .hero-cta .btn-primary,
  .hero-cta .btn-outline-light { padding: 0.72rem 1.1rem; font-size: 13px; }
  .hero-note { margin-top: 0.85rem; font-size: 10.5px; }

  .marquee-strip { padding: 0.7rem 0; }
  .marquee-item { font-size: 10.5px; padding: 0 1.1rem; gap: 0.4rem; }
  .marquee-item::after { margin-left: 1.1rem; }
  .marquee-item svg { width: 12px; height: 12px; }

  .section { padding: 1.9rem 0; }
  .cta-band { padding: 1.75rem 0; }
  .section-title { font-size: 1.5rem; margin: 0.5rem 0 0.7rem; line-height: 1.2; }
  .eyebrow { font-size: 9.5px; letter-spacing: 0.16em; }

  .benefit-strip { gap: 0.5rem; margin-top: 1.35rem; }
  .benefit-item { padding: 0.65rem 0.75rem; gap: 0.6rem; border-radius: 0.8rem; }
  .benefit-item h4 { font-size: 12px; }
  .benefit-item p { font-size: 10.5px; margin-top: 2px; }
  .benefit-item .icon-badge { width: 32px; height: 32px; border-radius: 8px; }
  .benefit-item .icon-badge svg { width: 14px; height: 14px; }

  .section-divider { margin-top: 1.6rem; padding-top: 1.35rem; }

  .loan-grid { gap: 0.7rem; }
  .loan-card { padding: 1.05rem; border-radius: 1rem; }
  .loan-card h3 { font-size: 1.05rem; margin-top: 0.5rem; }
  .loan-card p { font-size: 11.5px; margin-top: 0.25rem; }
  .loan-card .icon-badge { width: 34px; height: 34px; border-radius: 8px; }
  .loan-card .icon-badge svg { width: 16px; height: 16px; }
  .loan-row { padding: 0.5rem 0; font-size: 11px; }
  .loan-row:first-of-type { margin-top: 0.7rem; }
  .loan-badge { font-size: 8px; padding: 0.25rem 0.6rem; left: 1.05rem; }

  .estimator-grid { margin-top: 1.35rem; gap: 0.9rem; }
  .calc-panel, .calc-result { padding: 1.15rem; border-radius: 1.15rem; }
  .calc-amount-display { font-size: 1.9rem; }
  .calc-result-value { font-size: 1.6rem; }
  .calc-result-rows { font-size: 11.5px; padding-top: 0.9rem; margin-top: 0.9rem; gap: 0.45rem; }
  .term-btn { padding: 0.65rem 0.35rem; font-size: 11.5px; border-radius: 0.7rem; }
  .term-grid { gap: 0.4rem; margin-top: 0.55rem; }

  .card { padding: 1.1rem; border-radius: 1rem; }

  .btn-primary, .btn-outline, .btn-outline-light, .btn-dark {
    padding: 0.72rem 1.15rem; font-size: 13px;
  }

  .footer { padding: 2rem 0 1.25rem; }
  .footer-grid { gap: 1.35rem; }
  .footer-bottom { margin-top: 1.5rem; padding-top: 1rem; font-size: 10px; }

  .wa-float { width: 54px; height: 54px; bottom: 16px; right: 16px; }
  .wa-float svg { width: 26px; height: 26px; }

  .page-hero { padding: 2.5rem 0; }
  .page-hero h1 { font-size: 2rem; }
}