/* =========================================
   SHREE ACCOUNTING – PREMIUM FINTECH CSS
   Design: Luxury White Fintech System
   Brand: #BF0000
   ========================================= */

:root {
  --brand: #BF0000;
  --brand-dark: #960000;
  --brand-light: rgba(191, 0, 0, 0.08);
  --brand-mid: rgba(191, 0, 0, 0.15);
  --white: #ffffff;
  --off-white: #fafafa;
  --grey-50: #f7f7f8;
  --grey-100: #f0f0f2;
  --grey-200: #e4e4e8;
  --grey-300: #d0d0d8;
  --grey-400: #a8a8b8;
  --grey-600: #6b6b80;
  --grey-800: #2d2d3a;
  --black: #0d0d12;
  --text-primary: #0d0d12;
  --text-secondary: #4a4a5a;
  --text-muted: #8a8a9a;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.05), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.06), 0 2px 8px rgba(0,0,0,0.04);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.08), 0 4px 16px rgba(0,0,0,0.05);
  --shadow-xl: 0 24px 64px rgba(0,0,0,0.10), 0 8px 24px rgba(0,0,0,0.06);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --font-primary: 'Inter', sans-serif;
  --font-secondary: 'Poppins', sans-serif;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

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

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

body {
  font-family: var(--font-primary);
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* BODY LOCK (disclaimer) */
body.locked {
  overflow: hidden;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5 {
  font-family: var(--font-secondary);
  font-weight: 700;
  line-height: 1.15;
  color: var(--text-primary);
}

.heading-accent { color: var(--brand); }

p { color: var(--text-secondary); line-height: 1.7; }

a {
  color: var(--brand);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover { color: var(--brand-dark); }

/* CONTAINER */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px;
}

/* SECTION SPACING */
section { padding: 140px 0; }

/* SECTION HEADER */
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 80px;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-primary);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--brand);
  background: var(--brand-light);
  border: 1px solid rgba(191,0,0,0.15);
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}

.section-title {
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 800;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.section-subtitle {
  font-size: 17px;
  color: var(--text-secondary);
  line-height: 1.7;
}
.site-logo{
height:50px;
width:auto;
}
/* BUTTONS */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--brand);
  color: var(--white);
  padding: 16px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-primary);
  font-size: 15px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: -0.01em;
  text-decoration: none;
}

.btn-primary:hover {
  background: var(--brand-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(191,0,0,0.3);
}

.btn-primary.btn-sm {
  padding: 12px 24px;
  font-size: 14px;
}

.btn-primary.btn-lg {
  padding: 20px 40px;
  font-size: 16px;
}

.btn-primary.btn-full {
  width: 100%;
  justify-content: center;
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--text-primary);
  padding: 16px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-primary);
  font-size: 15px;
  font-weight: 600;
  border: 2px solid var(--grey-200);
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
}

.btn-secondary:hover {
  border-color: var(--brand);
  color: var(--brand);
  transform: translateY(-2px);
}

.btn-secondary.btn-lg {
  padding: 20px 40px;
  font-size: 16px;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--brand);
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-family: var(--font-primary);
  font-size: 14px;
  font-weight: 600;
  border: 2px solid var(--brand);
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
}

.btn-outline:hover {
  background: var(--brand);
  color: var(--white);
}

/* ==========================
   DISCLAIMER POPUP
========================== */
.disclaimer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13, 13, 18, 0.75);
  backdrop-filter: blur(8px);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  animation: fadeIn 0.4s ease;
}

.disclaimer-modal {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 56px 48px;
  max-width: 520px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow-xl);
  animation: slideUp 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.disclaimer-icon {
  display: flex;
  justify-content: center;
  margin-bottom: 24px;
}

.disclaimer-modal h2 {
  font-size: 26px;
  font-weight: 800;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.disclaimer-modal p {
  color: var(--text-secondary);
  font-size: 15px;
  margin-bottom: 16px;
  line-height: 1.65;
}

.disclaimer-modal p:last-of-type { margin-bottom: 32px; }

/* ==========================
   NAVBAR
========================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 20px 0;
  transition: all var(--transition);
}

.navbar.scrolled {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(16px);
  box-shadow: 0 1px 0 var(--grey-200), var(--shadow-sm);
  padding: 14px 0;
}

.nav-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-primary {
  font-family: var(--font-secondary);
  font-size: 18px;
  font-weight: 800;
  color: var(--text-primary);
  letter-spacing: -0.02em;
}

.logo-secondary {
  font-family: var(--font-secondary);
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}

.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: all var(--transition);
}

.nav-links a:hover {
  color: var(--brand);
  background: var(--brand-light);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 6px;
  background: var(--brand) !important;
  color: var(--white) !important;
  padding: 10px 20px !important;
  border-radius: var(--radius-sm) !important;
  font-weight: 600 !important;
  font-size: 14px !important;
  transition: all var(--transition) !important;
}

.nav-cta:hover {
  background: var(--brand-dark) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(191,0,0,0.3);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: all var(--transition);
}

.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ==========================
   HERO SECTION
========================== */
.hero {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 140px 0 100px;
  background: linear-gradient(160deg, var(--white) 0%, var(--grey-50) 100%);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(191,0,0,0.04) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(191,0,0,0.03) 0%, transparent 70%);
  pointer-events: none;
}

.hero-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
  background: var(--white);
  border: 1px solid var(--grey-200);
  padding: 8px 16px;
  border-radius: 100px;
  margin-bottom: 32px;
  box-shadow: var(--shadow-sm);
}

.badge-dot {
  width: 8px;
  height: 8px;
  background: #22c55e;
  border-radius: 50%;
  animation: pulse-green 2s infinite;
}

@keyframes pulse-green {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.7; transform: scale(1.3); }
}

.hero-heading {
  font-size: clamp(56px, 7vw, 60px);
  font-weight: 900;
  letter-spacing: -0.03em;
  line-height: 1.05;
  margin-bottom: 28px;
  color: var(--text-primary);
}

.hero-subtext {
  font-size: 18px;
  color: var(--text-secondary);
  max-width: 520px;
  line-height: 1.7;
  margin-bottom: 44px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
}

/* Dashboard Preview */
.dashboard-preview {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--grey-100);
  overflow: hidden;
  position: relative;
}

.dashboard-header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 24px;
  border-bottom: 1px solid var(--grey-100);
  background: var(--grey-50);
}

.dash-dots {
  display: flex;
  gap: 6px;
}

.dash-dots span {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.dash-dots span:nth-child(1) { background: #ff5f57; }
.dash-dots span:nth-child(2) { background: #febc2e; }
.dash-dots span:nth-child(3) { background: #28c840; }

.dash-title {
  flex: 1;
  text-align: center;
  font-size: 12px;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 0.04em;
}

.dash-status {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 500;
  color: #22c55e;
}

.status-dot {
  width: 6px;
  height: 6px;
  background: #22c55e;
  border-radius: 50%;
  animation: pulse-green 2s infinite;
}

.dashboard-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding: 20px 20px 12px;
}

.dash-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-md);
  padding: 16px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}

.dash-card:hover {
  border-color: rgba(191,0,0,0.2);
  box-shadow: 0 4px 16px rgba(191,0,0,0.08);
  transform: translateY(-2px);
}

.dash-card-icon {
  width: 36px;
  height: 36px;
  background: var(--brand-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.dash-card-info { flex: 1; min-width: 0; }

.dash-label {
  display: block;
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.dash-value {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 4px;
}

.dash-delta {
  font-size: 11px;
  font-weight: 500;
}

.dash-delta.up { color: #22c55e; }
.dash-delta.down { color: var(--brand); }

.score-bar {
  height: 4px;
  background: var(--grey-100);
  border-radius: 2px;
  overflow: hidden;
  margin-top: 6px;
}

.score-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--brand), #ff6b6b);
  border-radius: 2px;
  animation: fillBar 2s 1s ease forwards;
  transform-origin: left;
}

@keyframes fillBar {
  from { width: 0 !important; }
  to { /* width set inline */ }
}

.chart-container {
  padding: 0 20px 20px;
}

.chart-label {
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  margin-bottom: 8px;
  letter-spacing: 0.04em;
}

.animated-chart {
  width: 100%;
  height: auto;
}

.chart-line {
  stroke-dasharray: 600;
  stroke-dashoffset: 600;
  animation: drawChart 2s 0.5s ease forwards;
}

.chart-area {
  opacity: 0;
  animation: fadeIn 1s 2s ease forwards;
}

@keyframes drawChart {
  to { stroke-dashoffset: 0; }
}

.pulse-dot {
  animation: pulseDot 2s infinite;
}

@keyframes pulseDot {
  0%, 100% { r: 8; opacity: 0.2; }
  50% { r: 12; opacity: 0.1; }
}

/* Float animations */
@keyframes float1 {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-6px); }
}

@keyframes float2 {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-8px); }
}

@keyframes float3 {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-4px); }
}

@keyframes float4 {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-7px); }
}

.float-1 { animation: float1 4s 0s ease-in-out infinite; }
.float-2 { animation: float2 4s 0.5s ease-in-out infinite; }
.float-3 { animation: float3 4s 1s ease-in-out infinite; }
.float-4 { animation: float4 4s 1.5s ease-in-out infinite; }

/* Scroll indicator */
.hero-scroll-indicator {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  opacity: 0.5;
}

.scroll-line {
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, transparent, var(--grey-400));
  animation: scrollLine 2s infinite;
}

@keyframes scrollLine {
  0% { height: 0; opacity: 0; }
  50% { height: 40px; opacity: 1; }
  100% { height: 40px; opacity: 0; }
}

.hero-scroll-indicator span {
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ==========================
   METRICS
========================== */
.metrics {
  padding: 80px 0;
  background: var(--grey-50);
  border-top: 1px solid var(--grey-100);
  border-bottom: 1px solid var(--grey-100);
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.metric-item {
  text-align: center;
  padding: 40px 20px;
  border-right: 1px solid var(--grey-200);
  position: relative;
}

.metric-item:last-child { border-right: none; }

.metric-number {
  font-family: var(--font-secondary);
  font-size: clamp(48px, 5vw, 64px);
  font-weight: 900;
  color: var(--text-primary);
  letter-spacing: -0.04em;
  line-height: 1;
  display: inline-block;
}

.metric-suffix {
  font-family: var(--font-secondary);
  font-size: clamp(32px, 3vw, 40px);
  font-weight: 900;
  color: var(--brand);
  display: inline-block;
  vertical-align: super;
  letter-spacing: -0.02em;
}

.metric-label {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 8px;
}

/* ==========================
   SERVICES
========================== */
.services { background: var(--white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--brand-light);
  opacity: 0;
  transition: opacity var(--transition);
  border-radius: var(--radius-lg);
}

.service-card:hover {
  border-color: rgba(191,0,0,0.25);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.service-card:hover::before { opacity: 1; }

.service-card:hover .service-icon {
  background: var(--brand);
  color: var(--white);
}

.service-card:hover .card-arrow {
  color: var(--brand);
  transform: translateX(4px);
}

.service-icon {
  width: 56px;
  height: 56px;
  background: var(--grey-50);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--text-secondary);
  transition: all var(--transition);
  position: relative;
}

.service-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
  position: relative;
}

.service-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
  position: relative;
}

.card-arrow {
  position: absolute;
  bottom: 32px;
  right: 32px;
  color: var(--grey-300);
  transition: all var(--transition);
}

.service-card--cta {
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-dark) 100%);
  border-color: transparent;
  display: flex;
  align-items: center;
}

.service-card--cta::before { display: none; }

.service-cta-content { position: relative; }

.service-card--cta h3 {
  color: var(--white);
  margin-bottom: 12px;
}

.service-card--cta p {
  color: rgba(255,255,255,0.8);
  margin-bottom: 24px;
}

.service-card--cta:hover {
  border-color: transparent;
  transform: translateY(-4px);
}

/* ==========================
   STICKY FEATURES (Stripe style)
========================== */
.sticky-features {
  background: var(--grey-50);
  padding: 140px 0;
  border-top: 1px solid var(--grey-100);
}

.sticky-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 120px;
  align-items: start;
}

.sticky-left {
  position: sticky;
  top: 120px;
}

.sticky-left h2 {
  font-size: clamp(40px, 4vw, 56px);
  font-weight: 900;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 20px;
}

.sticky-left p {
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.7;
}

.sticky-right {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 36px;
  transition: all var(--transition-slow);
  opacity: 0.5;
  transform: scale(0.97);
}

.feature-card.active {
  opacity: 1;
  transform: scale(1);
  border-color: rgba(191,0,0,0.25);
  box-shadow: 0 0 0 1px rgba(191,0,0,0.1), var(--shadow-md);
}

.feature-card-icon {
  width: 52px;
  height: 52px;
  background: var(--brand-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.feature-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.feature-card p {
  font-size: 15px;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.feature-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.feature-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
}

/* ==========================
   LOAN SECTION
========================== */
.loan-section { background: var(--white); }

.loan-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.loan-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}

.loan-card:hover {
  border-color: rgba(191,0,0,0.25);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.loan-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 16px;
}

.loan-icon {
  width: 44px;
  height: 44px;
  background: var(--brand-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand);
  transition: all var(--transition);
}

.loan-card:hover .loan-icon {
  background: var(--brand);
  color: var(--white);
}

.loan-type-tag {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  background: var(--grey-50);
  padding: 4px 10px;
  border-radius: 100px;
  border: 1px solid var(--grey-200);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.loan-card h3 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 8px;
  line-height: 1.3;
}

.loan-card p {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 20px;
}

.loan-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--brand);
  text-decoration: none;
  padding: 0;
  transition: all var(--transition);
}

.loan-btn:hover { gap: 12px; color: var(--brand-dark); }

.loan-disclaimer-card {
  grid-column: 1 / -1;
  background: rgba(191,0,0,0.04);
  border: 1px solid rgba(191,0,0,0.15);
  border-radius: var(--radius-lg);
  padding: 24px 32px;
}

.disclaimer-inner {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  max-width: 800px;
}

.disclaimer-inner svg { flex-shrink: 0; margin-top: 2px; }

.disclaimer-inner p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================
   CALCULATOR
========================== */
.calculator-section {
  background: var(--grey-50);
  border-top: 1px solid var(--grey-100);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: start;
}

.calc-left h2 {
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 900;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 20px;
  margin-top: 8px;
}

.calc-left p {
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 40px;
}

.calc-features { display: flex; flex-direction: column; gap: 16px; }

.calc-feature-item {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-secondary);
}

.calc-check {
  width: 24px;
  height: 24px;
  background: var(--brand);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.calculator-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--grey-100);
  overflow: hidden;
}

.calc-tabs {
  display: flex;
  border-bottom: 1px solid var(--grey-100);
}

.calc-tab {
  flex: 1;
  padding: 18px;
  font-family: var(--font-primary);
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  background: none;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
}

.calc-tab.active {
  color: var(--brand);
  border-bottom-color: var(--brand);
}

.calc-tab:hover { color: var(--brand); }

.calc-panel {
  padding: 32px;
  display: none;
}

.calc-panel.active { display: block; }

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--grey-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-primary);
  font-size: 14px;
  color: var(--text-primary);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
  -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(191,0,0,0.08);
}

.form-group textarea { resize: vertical; min-height: 80px; }

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

.calc-result {
  padding: 48px 32px;
  text-align: center;
}

.result-icon { margin-bottom: 20px; }

.calc-result h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 12px;
}

.result-amount {
  font-family: var(--font-secondary);
  font-size: 48px;
  font-weight: 900;
  color: var(--brand);
  letter-spacing: -0.04em;
  margin-bottom: 16px;
}

#result-note {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 28px;
  line-height: 1.6;
}

/* ==========================
   PROCESS TIMELINE
========================== */
.process-section {
  background: var(--white);
  border-top: 1px solid var(--grey-100);
}

.timeline {
  display: flex;
  flex-direction: column;
  gap: 0;
  max-width: 800px;
  margin: 0 auto;
  position: relative;
}

.timeline-item {
  display: grid;
  grid-template-columns: 80px 1fr 60px;
  gap: 32px;
  align-items: start;
  padding: 32px 0;
  position: relative;
}

.timeline-number {
  font-family: var(--font-secondary);
  font-size: 52px;
  font-weight: 900;
  color: var(--grey-100);
  letter-spacing: -0.04em;
  line-height: 1;
  transition: color var(--transition);
}

.timeline-item:hover .timeline-number { color: var(--brand-mid); }

.timeline-content h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}

.timeline-content p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.timeline-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: var(--brand-light);
  border-radius: var(--radius-md);
  color: var(--brand);
  transition: all var(--transition);
}

.timeline-item:hover .timeline-icon {
  background: var(--brand);
  color: var(--white);
}

.timeline-connector {
  height: 1px;
  background: var(--grey-100);
  margin: 0 80px;
}

/* ==========================
   TRAINING
========================== */
.training-section {
  background: var(--grey-50);
  border-top: 1px solid var(--grey-100);
}

.training-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.training-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-xl);
  padding: 44px 36px;
  transition: all var(--transition);
  position: relative;
}

.training-card:hover {
  border-color: rgba(191,0,0,0.2);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.training-badge {
  position: absolute;
  top: -12px;
  left: 28px;
  background: var(--white);
  border: 1px solid var(--grey-200);
  color: var(--text-muted);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
}

.training-card--featured .training-badge {
  background: var(--brand);
  color: var(--white);
  border-color: var(--brand);
}

.training-icon { margin-bottom: 24px; }

.training-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.training-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 24px;
}

.training-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
}

.training-tags span {
  font-size: 12px;
  font-weight: 500;
  color: var(--text-muted);
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  padding: 4px 12px;
  border-radius: 100px;
}

/* ==========================
   TESTIMONIALS
========================== */
.testimonials { background: var(--white); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-lg);
  padding: 36px;
  transition: all var(--transition);
}

.testimonial-card:hover {
  border-color: rgba(191,0,0,0.15);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.stars {
  display: flex;
  gap: 4px;
  margin-bottom: 20px;
}

.testimonial-card p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-dark) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
  flex-shrink: 0;
}

.author-info strong {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.author-info span {
  font-size: 13px;
  color: var(--text-muted);
}

/* ==========================
   MID CTA
========================== */
.mid-cta {
  padding: 80px 0;
  background: var(--grey-50);
  border-top: 1px solid var(--grey-100);
}

.mid-cta-card {
  background: linear-gradient(135deg, var(--text-primary) 0%, #1a1a2e 100%);
  border-radius: var(--radius-xl);
  padding: 72px 80px;
  position: relative;
  overflow: hidden;
}

.mid-cta-card::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(191,0,0,0.2) 0%, transparent 70%);
  pointer-events: none;
}

.mid-cta-grid {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 60px;
  position: relative;
}

.mid-cta-left h2 {
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 900;
  color: var(--white);
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

.mid-cta-left p {
  font-size: 16px;
  color: rgba(255,255,255,0.7);
  max-width: 480px;
  line-height: 1.7;
}

.mid-cta-right {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}

.mid-cta-right .btn-secondary {
  border-color: rgba(255,255,255,0.3);
  color: var(--white);
}

.mid-cta-right .btn-secondary:hover {
  border-color: var(--white);
  color: var(--white);
  background: rgba(255,255,255,0.1);
}

/* ==========================
   CONTACT
========================== */
.contact { background: var(--white); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}

.contact-info h3 {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 36px;
  letter-spacing: -0.02em;
}

.contact-items { display: flex; flex-direction: column; gap: 28px; margin-bottom: 40px; }

.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-icon {
  width: 44px;
  height: 44px;
  background: var(--brand-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand);
  flex-shrink: 0;
}

.contact-item strong {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.contact-item p,
.contact-item a {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  text-decoration: none;
  transition: color var(--transition);
}

.contact-item a:hover { color: var(--brand); }

.contact-hours h4 {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.hours-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}

.hours-grid span {
  font-size: 14px;
  color: var(--text-secondary);
}

.hours-grid span:nth-child(odd) { font-weight: 500; color: var(--text-primary); }

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-xl);
  padding: 44px;
}

.contact-form-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 28px;
  letter-spacing: -0.01em;
}

/* ==========================
   FOOTER
========================== */
.footer {
  background: var(--grey-50);
  border-top: 1px solid var(--grey-200);
  padding: 100px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 80px;
}

.footer-brand .nav-logo { margin-bottom: 20px; }

.footer-brand p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

.footer-disclaimer {
  font-size: 12px;
  color: var(--text-muted);
  background: var(--white);
  border: 1px solid var(--grey-200);
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  line-height: 1.5;
}

.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col ul li,
.footer-col ul a {
  font-size: 14px;
  color: var(--text-muted);
  text-decoration: none;
  transition: color var(--transition);
  line-height: 1.4;
}

.footer-col ul a:hover { color: var(--brand); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 28px 0;
  border-top: 1px solid var(--grey-200);
}

.footer-bottom p {
  font-size: 13px;
  color: var(--text-muted);
}

.footer-bottom a {
  color: var(--text-muted);
  font-weight: 500;
}

.footer-bottom a:hover { color: var(--brand); }
.footer-social{
display:flex;
gap:14px;
margin-top:20px;
}

.footer-social a{
width:38px;
height:38px;
display:flex;
align-items:center;
justify-content:center;
border-radius:8px;
border:1px solid #e5e5e5;
color:#222;
transition:all .3s ease;
}

.footer-social a:hover{
background:#BF0000;
color:#fff;
border-color:#BF0000;
}

/* ==========================
   WHATSAPP FLOAT
========================== */
.whatsapp-float {
  position: fixed;
  bottom: 32px;
  right: 32px;
  z-index: 999;
  width: 58px;
  height: 58px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
  transition: all var(--transition);
  text-decoration: none;
}

.whatsapp-float:hover {
  transform: scale(1.1) translateY(-2px);
  box-shadow: 0 8px 32px rgba(37, 211, 102, 0.5);
}

.whatsapp-tooltip {
  position: absolute;
  right: 70px;
  background: var(--text-primary);
  color: var(--white);
  font-size: 12px;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}

.whatsapp-float:hover .whatsapp-tooltip { opacity: 1; }

/* ==========================
   ANIMATIONS (SCROLL REVEAL)
========================== */
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(40px) scale(0.96); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1),
              transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

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

.reveal-right {
  opacity: 0;
  transform: translateX(30px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1),
              transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-right.visible {
  opacity: 1;
  transform: translateX(0);
}

/* Stagger delays */
.services-grid .service-card:nth-child(1) { transition-delay: 0.05s; }
.services-grid .service-card:nth-child(2) { transition-delay: 0.1s; }
.services-grid .service-card:nth-child(3) { transition-delay: 0.15s; }
.services-grid .service-card:nth-child(4) { transition-delay: 0.2s; }
.services-grid .service-card:nth-child(5) { transition-delay: 0.25s; }
.services-grid .service-card:nth-child(6) { transition-delay: 0.3s; }

.metrics-grid .metric-item:nth-child(1) { transition-delay: 0s; }
.metrics-grid .metric-item:nth-child(2) { transition-delay: 0.08s; }
.metrics-grid .metric-item:nth-child(3) { transition-delay: 0.16s; }
.metrics-grid .metric-item:nth-child(4) { transition-delay: 0.24s; }

.loan-grid .loan-card:nth-child(1) { transition-delay: 0.04s; }
.loan-grid .loan-card:nth-child(2) { transition-delay: 0.08s; }
.loan-grid .loan-card:nth-child(3) { transition-delay: 0.12s; }
.loan-grid .loan-card:nth-child(4) { transition-delay: 0.16s; }
.loan-grid .loan-card:nth-child(5) { transition-delay: 0.2s; }
.loan-grid .loan-card:nth-child(6) { transition-delay: 0.24s; }
.loan-grid .loan-card:nth-child(7) { transition-delay: 0.28s; }

/* ==========================
   RESPONSIVE – TABLET
========================== */
@media (max-width: 1024px) {
  .hero-container { grid-template-columns: 1fr; gap: 60px; }
  .hero-right { order: -1; max-width: 580px; margin: 0 auto; }
  .hero { padding: 140px 0 80px; }

  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-grid { grid-template-columns: repeat(2, 1fr); }
  .metrics-grid { grid-template-columns: repeat(2, 1fr); }
  .metric-item:nth-child(2) { border-right: none; }
  .metric-item:nth-child(3) { border-top: 1px solid var(--grey-200); border-right: 1px solid var(--grey-200); }
  .metric-item:nth-child(4) { border-top: 1px solid var(--grey-200); border-right: none; }

  .sticky-container { grid-template-columns: 1fr; gap: 60px; }
  .sticky-left { position: static; }

  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .footer-brand { grid-column: 1 / -1; }

  .calc-grid { grid-template-columns: 1fr; gap: 60px; }
  .contact-grid { grid-template-columns: 1fr; gap: 60px; }

  .training-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .training-grid .training-card:last-child { grid-column: 1 / -1; max-width: 50%; margin: 0 auto; }

  .mid-cta-card { padding: 56px 48px; }
  .mid-cta-grid { flex-direction: column; gap: 40px; }
}

/* ==========================
   RESPONSIVE – MOBILE
========================== */
@media (max-width: 768px) {
  section { padding: 100px 0; }

  .container,
  .nav-container,
  .hero-container,
  .sticky-container { padding: 0 24px; }

  .hero-heading { font-size: clamp(44px, 10vw, 64px); }
  .hero-subtext { font-size: 16px; }
  .hero-buttons { flex-direction: column; align-items: flex-start; }
  .hero-trust { gap: 16px; }

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

  .services-grid { grid-template-columns: 1fr; }
  .loan-grid { grid-template-columns: 1fr; }
  .metrics-grid { grid-template-columns: 1fr 1fr; }
  .metric-item { padding: 28px 16px; }

  .testimonials-grid { grid-template-columns: 1fr; }
  .training-grid { grid-template-columns: 1fr; }
  .training-grid .training-card:last-child { grid-column: auto; max-width: 100%; }

  .timeline-item { grid-template-columns: 60px 1fr; }
  .timeline-icon { display: none; }
  .timeline-number { font-size: 36px; }

  .mid-cta-card { padding: 48px 32px; }
  .mid-cta-right { flex-direction: column; align-items: stretch; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }

  .nav-links {
    position: fixed;
    inset: 0;
    top: 72px;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 24px;
    gap: 4px;
    box-shadow: var(--shadow-xl);
    transform: translateX(100%);
    transition: transform var(--transition);
    z-index: 999;
  }

  .nav-links.open { transform: translateX(0); }
  .nav-links a { display: block; padding: 14px 20px; font-size: 16px; border-radius: var(--radius-sm); }
  .nav-cta { margin-top: 8px; text-align: center; justify-content: center; }

  .hamburger { display: flex; }

  .section-title { font-size: clamp(28px, 7vw, 40px); }

  .contact-form-card { padding: 28px; }
  .form-row { grid-template-columns: 1fr; }

  .whatsapp-float { bottom: 24px; right: 20px; }
  .disclaimer-modal { padding: 40px 28px; }

  .hero-scroll-indicator { display: none; }
}

@media (max-width: 480px) {
  .dashboard-cards { grid-template-columns: 1fr; }
  .hero-heading { font-size: 40px; }
}