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

:root {
  --gold: #C8960C;
  --gold-light: #F5E6B8;
  --gold-dark: #A67B08;
  --white: #FFFFFF;
  --off-white: #FAFAFA;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --gray-900: #111827;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.07), 0 2px 4px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px rgba(0,0,0,0.1), 0 4px 6px rgba(0,0,0,0.05);
  --radius: 12px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

img {
  max-width: 100%;
  display: block;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 80px 0;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(200,150,12,0.35);
}

.btn-whatsapp {
  background: #25D366;
  color: var(--white);
  border-color: #25D366;
}
.btn-whatsapp:hover {
  background: #1da851;
  border-color: #1da851;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(37,211,102,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline:hover {
  background: var(--gold);
  color: var(--white);
  transform: translateY(-1px);
}

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

/* ===== Navigation ===== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-200);
  transition: all var(--transition);
}

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

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.nav-logo-img {
  width: 120px;
  height: auto;
  border-radius: 10px;
  flex-shrink: 0;
}

.logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: var(--gold);
  color: var(--white);
  border-radius: 10px;
  font-weight: 800;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
}

.logo-text {
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.2;
  color: var(--gray-900);
}
.logo-text small {
  font-weight: 500;
  font-size: 0.72rem;
  color: var(--gray-500);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: 8px;
  transition: all var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: var(--gold);
  background: rgba(200,150,12,0.08);
}

.nav-cta {
  padding: 10px 22px;
  background: var(--gold);
  color: var(--white);
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition);
  margin-left: 8px;
}
.nav-cta:hover {
  background: var(--gold-dark);
  transform: translateY(-1px);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav-toggle.active span:nth-child(2) {
  opacity: 0;
}
.nav-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #FFF9E8 0%, #FFFFFF 50%, #FFFDF5 100%);
  overflow: hidden;
  padding-top: 72px;
  border-bottom: 1px solid var(--gray-200);
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C8960C' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero::after {
  content: '';
  position: absolute;
  top: -30%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200,150,12,0.1) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 600px;
}

.hero-badge {
  display: inline-block;
  padding: 8px 20px;
  background: rgba(200,150,12,0.1);
  border: 1px solid rgba(200,150,12,0.25);
  color: var(--gold-dark);
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 24px;
}

.hero h1 {
  font-size: 3rem;
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.hero-desc {
  font-size: 1.1rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 560px;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 40px;
}

.hero-trustbar {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  padding-top: 28px;
  border-top: 1px solid rgba(200,150,12,0.15);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--gray-600);
}
.trust-item strong {
  color: var(--gray-800);
  font-weight: 700;
}
.trust-item span:last-child {
  line-height: 1.3;
}

.trust-icon {
  width: 34px;
  height: 34px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.12);
  border-radius: 10px;
  color: var(--gold);
  flex-shrink: 0;
}

/* Hero visual */
.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 40px;
  align-items: center;
}

.hero-visual {
  position: relative;
  z-index: 2;
  padding: 20px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-card-main {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 20px;
  padding: 32px;
  width: 100%;
  max-width: 400px;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.hero-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.hero-card-head h3 {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--gray-900);
}

.hero-card-badge {
  background: rgba(200,150,12,0.12);
  color: var(--gold-dark);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: 50px;
}

.hero-card-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 20px;
}

.hero-stat {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 12px;
  text-align: center;
}

.hero-stat-label {
  display: block;
  font-size: 0.7rem;
  color: var(--gray-400);
  margin-bottom: 4px;
}

.hero-stat-value {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--gray-800);
}

.hero-card-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: var(--gray-50);
  border-radius: 12px;
  padding: 16px;
}

.hero-card-list span {
  font-size: 0.9rem;
  color: var(--gray-600);
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero-card-small {
  position: absolute;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 12px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: var(--shadow-md);
  animation: float 3.5s ease-in-out infinite;
}

.hero-card-insurance {
  top: 8%;
  left: -6%;
}
.hero-card-mf {
  top: 30%;
  right: -5%;
  animation-delay: 0.6s;
}
.hero-card-re {
  bottom: 12%;
  left: -2%;
  animation-delay: 1.2s;
}

.hero-card-small-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  flex-shrink: 0;
}
.hero-card-insurance .hero-card-small-icon {
  background: rgba(37,99,235,0.1);
  color: #2563EB;
}
.hero-card-mf .hero-card-small-icon {
  background: rgba(200,150,12,0.12);
  color: var(--gold);
}
.hero-card-re .hero-card-small-icon {
  background: rgba(5,150,105,0.1);
  color: #059669;
}

.hero-card-small-label {
  display: block;
  font-size: 0.7rem;
  color: var(--gray-400);
}

.hero-card-small strong {
  display: block;
  font-size: 0.85rem;
  color: var(--gray-800);
}

.hero-badge-float {
  position: absolute;
  bottom: 4%;
  right: 2%;
  background: rgba(200,150,12,0.12);
  border: 1px solid rgba(200,150,12,0.25);
  color: var(--gold-dark);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 10px 18px;
  border-radius: 50px;
}

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

/* ===== Quick Service Tiles ===== */
.quick-tiles {
  background: var(--white);
  padding: 60px 0;
}

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

.tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 26px 16px;
  transition: all var(--transition);
}
.tile:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold-light);
  transform: translateY(-4px);
}

.tile-icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  margin-bottom: 8px;
}
.tile-icon-home { background: rgba(200,150,12,0.1); color: var(--gold); }
.tile-icon-personal { background: rgba(37,99,235,0.1); color: #2563EB; }
.tile-icon-business { background: rgba(5,150,105,0.1); color: #059669; }
.tile-icon-vehicle { background: rgba(124,58,237,0.1); color: #7C3AED; }
.tile-icon-insurance { background: rgba(8,145,178,0.1); color: #0891B2; }
.tile-icon-mf { background: rgba(217,119,6,0.1); color: #D97706; }
.tile-icon-re { background: rgba(220,38,38,0.1); color: #DC2626; }
.tile-icon-call { background: rgba(37,211,102,0.12); color: #1da851; }

.tile span {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--gray-800);
}

.tile small {
  font-size: 0.78rem;
  color: var(--gray-400);
}

/* ===== About ===== */
.about {
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 60px;
  align-items: center;
}

.section-tag {
  display: inline-block;
  color: var(--gold);
  font-weight: 600;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 12px;
}

.about-content h2 {
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 20px;
  line-height: 1.2;
}

.about-text {
  color: var(--gray-600);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 16px;
}

.about-highlights {
  display: flex;
  gap: 40px;
  margin-top: 32px;
  padding-top: 32px;
  border-top: 1px solid var(--gray-200);
}

.highlight {
  display: flex;
  flex-direction: column;
}

.highlight-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}

.highlight-label {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-top: 4px;
}

.about-image {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.about-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
}
.about-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold-light);
}

.about-card-icon {
  margin-bottom: 12px;
}

.about-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.about-card p {
  color: var(--gray-500);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ===== Services ===== */
.services {
  background: var(--gray-50);
}

.section-header {
  text-align: center;
  max-width: 650px;
  margin: 0 auto 50px;
}

.section-header h2 {
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 14px;
  line-height: 1.2;
}

.section-header p {
  color: var(--gray-500);
  font-size: 1rem;
}

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

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-light);
  transform: translateY(-4px);
}

.service-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.1);
  border-radius: 14px;
  color: var(--gold);
  margin-bottom: 20px;
}

.service-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 10px;
}

.service-desc {
  color: var(--gray-500);
  font-size: 0.92rem;
  line-height: 1.6;
  margin-bottom: 18px;
}

.service-list {
  list-style: none;
  margin-bottom: 24px;
  flex-grow: 1;
}

.service-list li {
  padding: 6px 0;
  font-size: 0.9rem;
  color: var(--gray-600);
  display: flex;
  align-items: center;
  gap: 8px;
}
.service-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.service-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  background: var(--gold);
  color: var(--white);
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition);
  align-self: flex-start;
}
.service-btn:hover {
  background: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(200,150,12,0.35);
}

/* ===== Loan Services Gallery ===== */
.loan-gallery {
  background: var(--gray-50);
}

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

.loan-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all var(--transition);
}
.loan-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-light);
  transform: translateY(-4px);
}

.loan-image {
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.loan-image-home {
  background: linear-gradient(135deg, #C8960C 0%, #E8B430 100%);
}
.loan-image-personal {
  background: linear-gradient(135deg, #2563EB 0%, #60A5FA 100%);
}
.loan-image-business {
  background: linear-gradient(135deg, #059669 0%, #34D399 100%);
}
.loan-image-vehicle {
  background: linear-gradient(135deg, #7C3AED 0%, #A78BFA 100%);
}
.loan-image-gold {
  background: linear-gradient(135deg, #D97706 0%, #FCD34D 100%);
}
.loan-image-mortgage {
  background: linear-gradient(135deg, #0891B2 0%, #67E8F9 100%);
}

.loan-content {
  padding: 24px;
}

.loan-content h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.loan-content p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: 18px;
}

.loan-btn {
  display: inline-flex;
  align-items: center;
  padding: 10px 22px;
  background: var(--gold);
  color: var(--white);
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.85rem;
  transition: all var(--transition);
}
.loan-btn:hover {
  background: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(200,150,12,0.35);
}

/* ===== Why Choose Us ===== */
.why {
  background: var(--white);
}

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

.why-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
  transition: all var(--transition);
}
.why-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold-light);
  transform: translateY(-2px);
}

.why-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.1);
  border-radius: 12px;
  color: var(--gold);
  margin-bottom: 16px;
}

.why-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.why-card p {
  color: var(--gray-500);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ===== Why ===== */
.why {
  background: var(--white);
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}

.value-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  position: relative;
  transition: all var(--transition);
}
.value-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold-light);
  transform: translateY(-2px);
}

.value-number {
  position: absolute;
  top: 20px;
  right: 20px;
  font-size: 2.4rem;
  font-weight: 800;
  color: rgba(200,150,12,0.12);
  line-height: 1;
}

.value-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.1);
  border-radius: 12px;
  color: var(--gold);
  margin-bottom: 16px;
}

.value-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.value-card p {
  color: var(--gray-500);
  font-size: 0.9rem;
  line-height: 1.6;
}

.why-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: linear-gradient(135deg, rgba(200,150,12,0.1), rgba(200,150,12,0.04));
  border: 1px solid rgba(200,150,12,0.2);
  border-radius: var(--radius);
  padding: 28px 32px;
  flex-wrap: wrap;
}

.why-banner-icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.12);
  border-radius: 14px;
  color: var(--gold);
  flex-shrink: 0;
}

.why-banner p {
  flex: 1;
  min-width: 280px;
  font-size: 1rem;
  color: var(--gray-600);
}
.why-banner p strong {
  color: var(--gray-900);
}

/* ===== Testimonials ===== */
.testimonials {
  background: var(--gray-50);
}

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

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.testimonial-stars {
  color: var(--gold);
  font-size: 1rem;
  margin-bottom: 14px;
}

.testimonial-card p {
  color: var(--gray-500);
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.avatar {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.avatar-gold { background: var(--gold); }
.avatar-blue { background: #2563EB; }
.avatar-green { background: #059669; }

.testimonial-author strong {
  display: block;
  font-size: 0.92rem;
  color: var(--gray-800);
}
.testimonial-author small {
  font-size: 0.78rem;
  color: var(--gray-400);
}

/* ===== FAQ ===== */
.faq {
  background: var(--white);
}

.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item.open {
  border-color: var(--gold-light);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-800);
  text-align: left;
  transition: color var(--transition);
}
.faq-question:hover {
  color: var(--gold);
}

.faq-toggle {
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.1);
  color: var(--gold);
  border-radius: 50%;
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
  transition: all var(--transition);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-item.open .faq-answer {
  max-height: 300px;
}

.faq-answer p {
  padding: 0 22px 18px;
  color: var(--gray-500);
  font-size: 0.92rem;
  line-height: 1.7;
}

/* ===== Contact ===== */
.contact {
  background: var(--gray-50);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 40px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 20px;
  transition: all var(--transition);
}
.contact-card:hover {
  border-color: var(--gold-light);
  box-shadow: var(--shadow-sm);
}

.contact-card-icon {
  width: 42px;
  height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,150,12,0.1);
  border-radius: 10px;
  color: var(--gold);
  flex-shrink: 0;
}

.contact-card strong {
  display: block;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--gray-400);
  margin-bottom: 2px;
}

.contact-card p, .contact-card a {
  font-size: 0.95rem;
  color: var(--gray-700);
  line-height: 1.5;
}
.contact-card a:hover {
  color: var(--gold);
}

.contact-form-wrapper {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px;
}

.contact-form-wrapper h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 24px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--gray-800);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200,150,12,0.12);
}

.form-group textarea {
  resize: vertical;
  min-height: 90px;
}

.form-group select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}

/* ===== Footer ===== */
.footer {
  background: var(--gray-100);
  color: var(--gray-600);
  padding: 60px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--gray-200);
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.footer-logo .logo-text {
  color: var(--gray-900);
}
.footer-logo .logo-text small {
  color: var(--gray-500);
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--gray-500);
  max-width: 320px;
}

.footer-links h4,
.footer-contact h4 {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gray-900);
  margin-bottom: 20px;
}

.footer-links ul,
.footer-contact ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a,
.footer-contact a,
.footer-contact li {
  font-size: 0.9rem;
  color: var(--gray-500);
  transition: color var(--transition);
  line-height: 1.5;
}
.footer-links a:hover,
.footer-contact a:hover {
  color: var(--gold);
}

.footer-bottom {
  padding: 28px 0;
  text-align: center;
}

.disclaimer {
  font-size: 0.8rem;
  color: var(--gray-500);
  line-height: 1.7;
  max-width: 900px;
  margin: 0 auto 16px;
}
.disclaimer strong {
  color: var(--gray-600);
}

.copyright {
  font-size: 0.82rem;
  color: var(--gray-400);
}

/* ===== WhatsApp Float ===== */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  width: 56px;
  height: 56px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.4);
  transition: all var(--transition);
}
.whatsapp-float:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 20px rgba(37,211,102,0.5);
}

/* ===== Success Toast ===== */
.toast {
  position: fixed;
  top: 90px;
  right: 20px;
  z-index: 2000;
  background: var(--white);
  border: 1px solid #25D366;
  border-left: 4px solid #25D366;
  border-radius: var(--radius-sm);
  padding: 16px 24px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-800);
  transform: translateX(120%);
  transition: transform 0.4s ease;
}
.toast.show {
  transform: translateX(0);
}
.toast-icon {
  width: 32px;
  height: 32px;
  background: rgba(37,211,102,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #25D366;
  flex-shrink: 0;
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero-content {
    max-width: 700px;
    margin: 0 auto;
  }

  .hero-desc {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-buttons {
    justify-content: center;
  }

  .hero-trustbar {
    justify-content: center;
  }

  .hero-visual {
    order: -1;
    height: auto;
    padding: 40px 20px;
  }

  .hero h1 {
    font-size: 2.6rem;
    color: var(--gray-900);
  }

  .about-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .loan-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .tiles-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

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

  .nav-toggle {
    display: flex;
  }

  .nav-menu {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 16px 20px;
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow-md);
    transform: translateY(-120%);
    opacity: 0;
    transition: all 0.35s ease;
    pointer-events: none;
  }

  .nav-menu.active {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }

  .nav-link {
    width: 100%;
    padding: 12px 16px;
    font-size: 1rem;
  }

  .nav-cta {
    width: 100%;
    text-align: center;
    margin-left: 0;
    margin-top: 8px;
  }

  .hero {
    min-height: auto;
    padding: 120px 0 60px;
  }

  .hero h1 {
    font-size: 2rem;
    color: var(--gray-900);
  }

  .hero-desc {
    font-size: 1rem;
    color: var(--gray-500);
  }

  .hero-visual {
    padding: 30px 10px;
  }

  .hero-card-small {
    padding: 10px 12px;
  }

  .hero-card-insurance {
    left: 0;
  }
  .hero-card-mf {
    right: 0;
  }
  .hero-card-re {
    left: 4%;
  }

  .hero-buttons {
    flex-direction: column;
  }

  .hero-buttons .btn {
    justify-content: center;
  }

  .section-header h2,
  .about-content h2 {
    font-size: 1.8rem;
  }

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

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

  .tiles-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

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

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

  .about-highlights {
    gap: 24px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .whatsapp-float {
    bottom: 16px;
    right: 16px;
    width: 50px;
    height: 50px;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 16px;
  }

  .hero h1 {
    font-size: 1.7rem;
    color: var(--gray-900);
  }

  .hero-trustbar {
    flex-direction: column;
    align-items: center;
    gap: 14px;
  }

  .hero-card-stats {
    grid-template-columns: 1fr;
  }

  .hero-card-small {
    display: none;
  }

  .hero-badge-float {
    display: none;
  }

  .about-highlights {
    flex-direction: column;
    gap: 16px;
  }

  .service-card {
    padding: 24px;
  }

  .loan-image {
    height: 150px;
  }

  .tiles-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-banner {
    flex-direction: column;
    text-align: center;
    padding: 24px;
  }

  .why-banner p {
    min-width: 0;
  }

  .contact-form-wrapper {
    padding: 24px;
  }
}