/* =====================================================
   JBFC – Design Tokens & Reset
   ===================================================== */
:root{
  --navy:#0F1E35;
  --navy-mid:#1A2E4A;
  --navy-light:#243A5A;
  --gold:#B8892F;
  --gold-light:#F0E6D3;
  --gold-bright:#D4A843;
  --cream:#FAFAF8;
  --white:#FFFFFF;
  --slate:#374151;
  --slate-mid:#6B7280;
  --slate-light:#9CA3AF;
  --border:#E5E7EB;
  --border-dark:rgba(255,255,255,0.1);
  --green-pulse:#22C55E;
  --shadow-gold:0 0 40px rgba(184,137,47,0.18);
  --shadow-card:0 4px 24px rgba(15,30,53,0.08);
  --shadow-lift:0 16px 48px rgba(15,30,53,0.16);
  --radius:16px;
  --radius-sm:10px;
  --radius-pill:50px;
  --max-w:1280px;
  --gutter:40px;
  --section-pad:120px;
  --font-display:'Playfair Display',serif;
  --font-sub:'DM Serif Display',serif;
  --font-body:'Inter',sans-serif;
}
@media(prefers-reduced-motion:reduce){*{animation-duration:0.01ms!important;animation-iteration-count:1!important;transition-duration:0.01ms!important}}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-body);color:var(--slate);background:var(--cream);line-height:1.7;overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.18;letter-spacing:-0.02em}
h1{font-size:clamp(2.2rem,5vw,4rem);font-weight:900}
h2{font-size:clamp(1.6rem,3.5vw,2.6rem);font-weight:700}
h3{font-size:clamp(1.1rem,2vw,1.4rem);font-weight:600}
p{margin-bottom:1rem;line-height:1.75}
a{color:var(--gold);text-decoration:none;transition:color 0.2s}
a:hover{color:#8a6520}
img{max-width:100%;display:block}
ul{list-style:none}
button{cursor:pointer;font-family:var(--font-body)}
input,select,textarea{font-family:var(--font-body)}

/* =====================================================
   SCROLL PROGRESS BAR
   ===================================================== */
#scroll-bar{position:fixed;top:0;left:0;height:3px;width:0%;background:linear-gradient(90deg,var(--gold),var(--gold-bright));z-index:9999;transition:width 0.1s linear}

/* =====================================================
   UTILITY
   ===================================================== */
.container{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter)}
@media(max-width:768px){.container{padding:0 20px}}
.section{padding:var(--section-pad) 0}
@media(max-width:768px){.section{padding:72px 0}}
.hidden{display:none!important}
.text-center{text-align:center}
.text-gold{color:var(--gold)}
.text-white{color:var(--white)!important}
.eyebrow{font-family:var(--font-body);font-size:0.72rem;font-weight:700;letter-spacing:0.18em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;display:block}
.eyebrow-white{color:rgba(255,255,255,0.6)}
.section-label{display:inline-flex;align-items:center;gap:8px;font-size:0.72rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.section-label::before{content:'';display:block;width:24px;height:2px;background:var(--gold)}
.divider{width:56px;height:3px;background:var(--gold);border-radius:2px;margin:20px 0}
.divider-center{margin:20px auto}
.sub-head{font-family:var(--font-sub);font-size:clamp(1rem,1.8vw,1.2rem);color:var(--slate-mid);font-weight:400;max-width:580px;line-height:1.65}
.sub-head-white{color:rgba(255,255,255,0.68)}
.highlight{color:var(--gold);font-style:italic}

/* GRID */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media(max-width:1024px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 30px;border-radius:var(--radius-pill);font-weight:600;font-size:0.92rem;letter-spacing:0.02em;border:2px solid transparent;transition:all 0.25s cubic-bezier(0.4,0,0.2,1);position:relative;overflow:hidden;white-space:nowrap;text-decoration:none}
.btn::after{content:'';position:absolute;inset:0;background:rgba(255,255,255,0);transition:background 0.2s}
.btn:hover::after{background:rgba(255,255,255,0.07)}
.btn-gold{background:var(--gold);color:var(--white);border-color:var(--gold)}
.btn-gold:hover{background:#9a7228;border-color:#9a7228;color:var(--white);transform:translateY(-2px);box-shadow:0 8px 24px rgba(184,137,47,0.35)}
.btn-navy{background:var(--navy);color:var(--white);border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-mid);color:var(--white);transform:translateY(-2px)}
.btn-outline-white{background:transparent;color:var(--white);border-color:rgba(255,255,255,0.4)}
.btn-outline-white:hover{background:rgba(255,255,255,0.1);color:var(--white)}
.btn-outline-gold{background:transparent;color:var(--gold);border-color:var(--gold)}
.btn-outline-gold:hover{background:var(--gold);color:var(--white)}
.btn-white{background:var(--white);color:var(--navy);border-color:var(--white)}
.btn-white:hover{background:var(--cream);color:var(--navy);transform:translateY(-2px)}
.btn-lg{padding:17px 38px;font-size:1rem}
.btn-sm{padding:10px 22px;font-size:0.85rem}
.btn-group{display:flex;gap:16px;flex-wrap:wrap}
.btn-icon{font-size:1.1rem}

/* =====================================================
   SCROLL PROGRESS + BACK TO TOP
   ===================================================== */
#back-top{position:fixed;bottom:90px;right:24px;z-index:997;width:44px;height:44px;background:var(--navy);color:var(--white);border:none;border-radius:50%;display:none;align-items:center;justify-content:center;font-size:1.1rem;box-shadow:0 4px 16px rgba(15,30,53,0.3);transition:all 0.2s}
#back-top.show{display:flex}
#back-top:hover{background:var(--gold);transform:translateY(-3px)}

/* =====================================================
   NAVBAR
   ===================================================== */
#navbar{position:fixed;top:0;left:0;right:0;z-index:1000;transition:all 0.35s ease;padding:0}
#navbar.scrolled{background:rgba(15,30,53,0.97);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:0 2px 32px rgba(0,0,0,0.25)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;padding:0 40px;max-width:var(--max-w);margin:0 auto}
@media(max-width:768px){.nav-inner{padding:0 20px;height:64px}}
.nav-logo{cursor:pointer;display:flex;flex-direction:column;line-height:1;text-decoration:none}
.nav-logo-main{font-family:var(--font-display);font-weight:900;font-size:1.2rem;color:var(--white);letter-spacing:-0.02em}
.nav-logo-tag{font-size:0.62rem;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:var(--gold);margin-top:2px}
.nav-logo:hover .nav-logo-main{color:var(--white)}
.nav-links{display:flex;align-items:center;gap:4px}
@media(max-width:1024px){.nav-links{display:none}}
.nav-link{background:none;border:none;color:rgba(255,255,255,0.78);font-size:0.88rem;font-weight:500;padding:8px 14px;border-radius:8px;cursor:pointer;transition:all 0.2s;position:relative;font-family:var(--font-body);text-decoration:none}
.nav-link:hover,.nav-link.active{color:var(--white);background:rgba(255,255,255,0.08)}
.nav-link.active::after{content:'';position:absolute;bottom:3px;left:14px;right:14px;height:2px;background:var(--gold);border-radius:1px}
.nav-dropdown{position:relative}
.nav-dd-menu{position:absolute;top:calc(100%+10px);left:50%;transform:translateX(-50%);background:var(--navy);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius);min-width:260px;padding:10px;display:none;z-index:200;box-shadow:0 20px 60px rgba(0,0,0,0.4)}
.nav-dropdown:hover .nav-dd-menu{display:block}
.nav-dd-item{display:block;padding:10px 16px;color:rgba(255,255,255,0.75);font-size:0.87rem;font-weight:500;border-radius:8px;cursor:pointer;transition:all 0.15s;text-decoration:none}
.nav-dd-item:hover{background:rgba(184,137,47,0.15);color:var(--gold)}
.nav-cta{background:var(--gold);color:var(--white)!important;padding:9px 20px!important;border-radius:var(--radius-pill)!important;font-size:0.85rem!important}
.nav-cta:hover{background:#9a7228!important;transform:translateY(-1px)}
.nav-cta.active::after{display:none}
.nav-phone{color:rgba(255,255,255,0.65);font-size:0.82rem;font-weight:500;letter-spacing:0.03em;display:flex;align-items:center;gap:6px}
.hamburger{display:none;background:none;border:none;flex-direction:column;gap:5px;padding:6px;cursor:pointer}
@media(max-width:1024px){.hamburger{display:flex}}
.hamburger span{display:block;width:22px;height:2px;background:var(--white);border-radius:2px;transition:all 0.22s}
.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)}
.mob-menu{display:none;position:fixed;top:64px;left:0;right:0;bottom:0;background:var(--navy);z-index:999;overflow-y:auto;padding:24px 20px}
.mob-menu.open{display:block}
.mob-link{display:block;padding:14px 0;color:rgba(255,255,255,0.82);font-size:1rem;font-weight:500;border-bottom:1px solid rgba(255,255,255,0.07);cursor:pointer;transition:color 0.15s;text-decoration:none}
.mob-link:hover{color:var(--gold)}
.mob-sub-head{font-size:0.7rem;text-transform:uppercase;letter-spacing:0.1em;color:rgba(255,255,255,0.35);margin:16px 0 6px;font-weight:700}
.mob-sub{display:block;padding:10px 0 10px 14px;color:rgba(255,255,255,0.6);font-size:0.9rem;border-bottom:1px solid rgba(255,255,255,0.04);cursor:pointer;text-decoration:none}
.mob-sub:hover{color:var(--gold)}
.mob-cta-row{display:flex;gap:12px;margin-top:24px;flex-wrap:wrap}

/* =====================================================
   MARQUEE TICKER
   ===================================================== */
.ticker{background:var(--gold);padding:11px 0;overflow:hidden;position:relative}
.ticker-inner{display:flex;gap:0;animation:ticker 30s linear infinite;width:max-content}
@keyframes ticker{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.ticker-item{white-space:nowrap;padding:0 40px;font-size:0.78rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--white);display:flex;align-items:center;gap:16px}
.ticker-dot{width:5px;height:5px;background:rgba(255,255,255,0.5);border-radius:50%;flex-shrink:0}

/* =====================================================
   HERO
   ===================================================== */
.hero{min-height:100vh;background:var(--navy);display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden;padding-top:72px}
.hero-mesh{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.hero-mesh::before{content:'';position:absolute;width:700px;height:700px;border-radius:50%;background:radial-gradient(circle,rgba(184,137,47,0.12) 0%,transparent 70%);top:-200px;right:-100px;animation:pulse-slow 8s ease-in-out infinite}
.hero-mesh::after{content:'';position:absolute;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(26,46,74,0.8) 0%,transparent 70%);bottom:-150px;left:-100px;animation:pulse-slow 10s ease-in-out infinite reverse}
.hero-grid-lines{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px);background-size:80px 80px;pointer-events:none}
@keyframes pulse-slow{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.1);opacity:0.7}}
.hero-inner{position:relative;z-index:2;padding:100px 0 80px;display:grid;grid-template-columns:1.1fr 0.9fr;gap:80px;align-items:center}
@media(max-width:1024px){.hero-inner{grid-template-columns:1fr;gap:48px;padding:80px 0 60px}}
.hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:0.72rem;font-weight:700;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);margin-bottom:24px}
.hero-eyebrow-line{width:32px;height:1px;background:var(--gold)}
.hero-h1{color:var(--white);margin-bottom:20px;font-size:clamp(2.4rem,5.5vw,4.2rem)}
.hero-h1 .word{display:inline-block;opacity:0;transform:translateY(24px);animation:word-up 0.6s cubic-bezier(0.4,0,0.2,1) forwards}
@keyframes word-up{to{opacity:1;transform:translateY(0)}}
.hero-accent{color:var(--gold);font-style:italic}
.hero-hook{font-size:clamp(1rem,2vw,1.25rem);color:rgba(255,255,255,0.85);font-weight:300;margin-bottom:12px;line-height:1.6}
.hero-hook strong{color:var(--gold);font-weight:700}
.hero-sub{font-size:0.95rem;color:rgba(255,255,255,0.5);margin-bottom:36px;font-style:italic}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,0.08);border-radius:var(--radius);overflow:hidden;margin-top:40px}
@media(max-width:600px){.hero-stats{grid-template-columns:repeat(2,1fr)}}
.hero-stat{background:rgba(255,255,255,0.04);padding:20px 18px;text-align:center;position:relative}
.hero-stat::after{content:'';position:absolute;top:20%;right:0;bottom:20%;width:1px;background:rgba(255,255,255,0.08)}
.hero-stat:last-child::after{display:none}
.hero-stat-num{font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.2rem);font-weight:900;color:var(--gold);display:block;line-height:1}
.hero-stat-label{font-size:0.72rem;color:rgba(255,255,255,0.5);margin-top:6px;font-weight:500;letter-spacing:0.05em;text-transform:uppercase}
.hero-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius);padding:36px;backdrop-filter:blur(10px)}
.hero-card-tag{display:inline-block;background:rgba(184,137,47,0.2);color:var(--gold);font-size:0.7rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;padding:5px 14px;border-radius:var(--radius-pill);margin-bottom:20px;border:1px solid rgba(184,137,47,0.3)}
.hero-card h3{color:var(--white);font-size:1.3rem;margin-bottom:20px}
.hero-feat{display:flex;align-items:flex-start;gap:12px;margin-bottom:14px}
.hero-feat-icon{width:22px;height:22px;border-radius:50%;background:rgba(184,137,47,0.2);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;color:var(--gold);font-size:0.75rem;font-weight:700}
.hero-feat-text{color:rgba(255,255,255,0.78);font-size:0.9rem;line-height:1.5}
.hero-card-phone{display:flex;align-items:center;gap:10px;margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.08);color:var(--gold);font-weight:700;font-size:1rem}


/* =====================================================
   WHO WE ARE
   ===================================================== */
.wwa-inner{display:grid;grid-template-columns:1.2fr 0.8fr;gap:80px;align-items:start}
@media(max-width:1024px){.wwa-inner{grid-template-columns:1fr;gap:48px}}
.wwa-quote{font-family:var(--font-sub);font-size:clamp(1.15rem,2.2vw,1.5rem);color:var(--navy);line-height:1.55;position:relative;padding-left:28px}
.wwa-quote::before{content:'';position:absolute;left:0;top:4px;bottom:4px;width:4px;background:var(--gold);border-radius:2px}
.kpi-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:32px}
.kpi-card{background:var(--navy);color:var(--white);border-radius:var(--radius-sm);padding:24px;text-align:center;transition:transform 0.2s,box-shadow 0.2s}
.kpi-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-gold)}
.kpi-num{font-family:var(--font-display);font-size:2rem;font-weight:900;color:var(--gold);display:block}
.kpi-label{font-size:0.8rem;color:rgba(255,255,255,0.6);font-weight:500;letter-spacing:0.04em;margin-top:4px}
.wwa-since{font-family:var(--font-display);font-size:8rem;font-weight:900;color:var(--gold-light);line-height:1;margin-bottom:-20px;user-select:none}

/* =====================================================
   SERVICES SECTION
   ===================================================== */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
@media(max-width:1024px){.services-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.services-grid{grid-template-columns:1fr}}
.svc-card{background:var(--navy);border:1px solid rgba(255,255,255,0.07);border-radius:var(--radius);padding:32px;cursor:pointer;transition:all 0.3s cubic-bezier(0.4,0,0.2,1);position:relative;overflow:hidden;text-decoration:none;display:block;color:inherit}
.svc-card::before{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-bright));transform:scaleX(0);transition:transform 0.3s ease;transform-origin:left}
.svc-card:hover{transform:translateY(-6px);box-shadow:0 20px 60px rgba(0,0,0,0.3);border-color:rgba(184,137,47,0.3);color:inherit}
.svc-card:hover::before{transform:scaleX(1)}
.svc-icon{font-size:2rem;margin-bottom:20px;display:block}
.svc-card h3{color:var(--white);font-size:1.05rem;margin-bottom:10px}
.svc-card p{color:rgba(255,255,255,0.55);font-size:0.87rem;line-height:1.65;margin:0}
.svc-tag{display:inline-block;margin-top:16px;font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold);opacity:0.8}
.svc-card:hover .svc-tag{opacity:1}

/* =====================================================
   COUNT-UP STATS
   ===================================================== */
.stats-section{background:var(--cream);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.stats-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
@media(max-width:768px){.stats-inner{grid-template-columns:repeat(2,1fr)}}
.stat-block{padding:60px 40px;text-align:center;border-right:1px solid var(--border)}
.stat-block:last-child{border-right:none}
@media(max-width:768px){.stat-block:nth-child(2){border-right:none}.stat-block:nth-child(3){border-top:1px solid var(--border)}.stat-block{padding:40px 20px}}
.stat-num{font-family:var(--font-display);font-size:clamp(2.2rem,4vw,3.2rem);font-weight:900;color:var(--navy);display:block}
.stat-suffix{color:var(--gold)}
.stat-desc{font-size:0.85rem;color:var(--slate-mid);margin-top:8px;font-weight:500;letter-spacing:0.03em}

/* =====================================================
   4-STEP PROCESS
   ===================================================== */
.process-section{background:var(--navy)}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:56px}
@media(max-width:768px){.process-grid{grid-template-columns:1fr;gap:0}}
.process-line{position:absolute;top:40px;left:12.5%;right:12.5%;height:2px;background:linear-gradient(90deg,var(--gold) 0%,var(--gold-bright) 100%);z-index:0}
@media(max-width:768px){.process-line{display:none}}
.process-step{position:relative;z-index:1;padding:40px 24px;text-align:center}
.step-circle{width:80px;height:80px;border-radius:50%;background:var(--gold);color:var(--white);font-family:var(--font-display);font-size:1.8rem;font-weight:900;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;box-shadow:0 0 0 8px rgba(184,137,47,0.15)}
.process-step h3{color:var(--white);font-size:1rem;margin-bottom:10px}
.process-step p{color:rgba(255,255,255,0.55);font-size:0.87rem;line-height:1.65}
@media(max-width:768px){.process-step{display:grid;grid-template-columns:80px 1fr;gap:20px;align-items:center;text-align:left;border-bottom:1px solid rgba(255,255,255,0.07);padding:28px 0}.step-circle{margin:0}.process-step h3,.process-step p{text-align:left}}

/* =====================================================
   WHY JBFC
   ===================================================== */
.why-item{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center;padding:64px 0;border-bottom:1px solid var(--border)}
.why-item:last-child{border-bottom:none}
.why-item.reverse .why-visual{order:-1}
@media(max-width:1024px){.why-item{grid-template-columns:1fr;gap:32px}.why-item.reverse .why-visual{order:0}}
.why-visual{background:var(--navy);border-radius:var(--radius);padding:48px;display:flex;flex-direction:column;justify-content:center;min-height:280px;position:relative;overflow:hidden}
.why-visual::after{content:'';position:absolute;bottom:-40px;right:-40px;width:200px;height:200px;border-radius:50%;background:rgba(184,137,47,0.06)}
.why-vis-num{font-family:var(--font-display);font-size:6rem;font-weight:900;color:rgba(184,137,47,0.15);line-height:1;margin-bottom:-20px}
.why-vis-title{font-family:var(--font-display);font-size:1.6rem;font-weight:700;color:var(--white);margin-bottom:12px;position:relative;z-index:1}
.why-vis-sub{color:rgba(255,255,255,0.55);font-size:0.9rem;position:relative;z-index:1}
.why-content h2{margin-bottom:12px}
.why-content p{color:var(--slate);line-height:1.8;margin-bottom:16px;font-size:0.95rem}
.why-check{display:flex;gap:12px;align-items:flex-start;margin-bottom:10px;font-size:0.9rem;color:var(--slate)}
.why-check::before{content:'✦';color:var(--gold);font-size:0.8rem;flex-shrink:0;margin-top:3px}

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testi-section{background:var(--navy)}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
@media(max-width:1024px){.testi-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.testi-grid{grid-template-columns:1fr}}
.testi-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius);padding:32px;transition:border-color 0.3s,transform 0.3s}
.testi-card:hover{border-color:rgba(184,137,47,0.3);transform:translateY(-4px)}
.testi-stars{color:var(--gold);font-size:0.9rem;letter-spacing:2px;margin-bottom:16px}
.testi-text{font-family:var(--font-sub);font-size:1rem;color:rgba(255,255,255,0.82);line-height:1.7;font-style:italic;margin-bottom:20px}
.testi-author{font-size:0.85rem;font-weight:700;color:var(--white)}
.testi-role{font-size:0.78rem;color:rgba(255,255,255,0.45);margin-top:3px}
.testi-tag{display:inline-block;margin-top:12px;padding:4px 12px;background:rgba(184,137,47,0.15);color:var(--gold);font-size:0.7rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;border-radius:var(--radius-pill)}

/* =====================================================
   LOAN ELIGIBILITY CHECKER
   ===================================================== */
.checker-section{background:var(--cream)}
.checker-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:48px;box-shadow:var(--shadow-card);max-width:820px;margin:48px auto 0}
.checker-step{display:none}
.checker-step.active{display:block}
.checker-q{font-family:var(--font-display);font-size:1.3rem;font-weight:700;color:var(--navy);margin-bottom:24px;line-height:1.4}
.checker-opts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(max-width:600px){.checker-opts{grid-template-columns:1fr}}
.checker-opt{padding:16px 20px;border:2px solid var(--border);border-radius:var(--radius-sm);cursor:pointer;font-size:0.9rem;font-weight:500;color:var(--slate);transition:all 0.2s;background:var(--white);text-align:left}
.checker-opt:hover{border-color:var(--gold);color:var(--navy);background:var(--gold-light)}
.checker-opt.selected{border-color:var(--gold);background:var(--gold-light);color:var(--navy)}
.checker-progress{display:flex;gap:6px;margin-bottom:32px}
.checker-prog-dot{width:8px;height:8px;border-radius:50%;background:var(--border);transition:background 0.2s}
.checker-prog-dot.done{background:var(--gold)}
.checker-nav{display:flex;gap:12px;margin-top:24px;justify-content:flex-end}
.checker-result{text-align:center;padding:20px 0}
.checker-result h3{font-size:1.5rem;margin-bottom:12px}
.checker-result p{color:var(--slate);margin-bottom:24px}
.checker-score{font-family:var(--font-display);font-size:3rem;font-weight:900;color:var(--gold);display:block;margin-bottom:4px}

/* =====================================================
   SERVICE AREA
   ===================================================== */
.area-section{background:var(--navy-mid)}
.area-region{margin-bottom:36px}
.area-city{font-family:var(--font-display);font-size:0.9rem;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:0.1em;margin-bottom:14px}
.area-pills{display:flex;flex-wrap:wrap;gap:10px}
.area-pill{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.12);color:rgba(255,255,255,0.78);padding:8px 18px;border-radius:var(--radius-pill);font-size:0.85rem;font-weight:500;transition:all 0.2s}
.area-pill:hover{background:rgba(184,137,47,0.15);border-color:var(--gold);color:var(--gold)}
.area-pill-dot{width:6px;height:6px;background:var(--gold);border-radius:50%;animation:area-pulse 2s ease-in-out infinite}
@keyframes area-pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:0.5;transform:scale(0.8)}}
.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:48px}
@media(max-width:1024px){.area-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.area-grid{grid-template-columns:1fr}}

/* =====================================================
   BLOG / INSIGHTS
   ===================================================== */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:48px}
@media(max-width:1024px){.blog-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.blog-grid{grid-template-columns:1fr}}
.blog-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:all 0.25s}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift)}
.blog-thumb{height:160px;background:var(--navy);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.blog-thumb-bg{font-family:var(--font-display);font-size:4rem;font-weight:900;color:rgba(184,137,47,0.12);user-select:none;font-style:italic}
.blog-tag{position:absolute;top:16px;left:16px;background:var(--gold);color:var(--white);font-size:0.68rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:4px 12px;border-radius:var(--radius-pill)}
.blog-body{padding:24px}
.blog-title{font-family:var(--font-display);font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.4}
.blog-excerpt{font-size:0.85rem;color:var(--slate-mid);line-height:1.65;margin-bottom:14px}
.blog-read{font-size:0.82rem;font-weight:700;color:var(--gold);letter-spacing:0.05em;text-transform:uppercase;cursor:pointer;display:flex;align-items:center;gap:6px}

/* =====================================================
   CONTACT
   ===================================================== */
.contact-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:60px;align-items:start}
@media(max-width:1024px){.contact-grid{grid-template-columns:1fr}}
.contact-info-head{font-family:var(--font-display);font-size:1.6rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.contact-info-sub{color:var(--slate-mid);font-size:0.9rem;margin-bottom:32px}
.online-badge{display:inline-flex;align-items:center;gap:8px;background:#ECFDF5;color:#065F46;padding:6px 16px;border-radius:var(--radius-pill);font-size:0.78rem;font-weight:700;margin-bottom:28px;letter-spacing:0.06em;text-transform:uppercase}
.online-dot{width:8px;height:8px;background:var(--green-pulse);border-radius:50%;animation:online-pulse 1.5s ease-in-out infinite}
@keyframes online-pulse{0%,100%{box-shadow:0 0 0 0 rgba(34,197,94,0.5)}50%{box-shadow:0 0 0 6px rgba(34,197,94,0)}}
.contact-block{display:flex;gap:16px;align-items:flex-start;margin-bottom:20px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.contact-block:last-of-type{border-bottom:none}
.contact-block-icon{width:44px;height:44px;background:var(--gold-light);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.cb-label{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.08em;color:var(--slate-mid);font-weight:700;margin-bottom:2px}
.cb-val{font-size:0.95rem;color:var(--navy);font-weight:600}
.cb-val a{color:var(--navy)}
/* FORM */
#eligibility-form{scroll-margin-top:120px}
.form-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:44px;box-shadow:var(--shadow-card)}
.form-heading{font-family:var(--font-display);font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:4px}
.form-sub{color:var(--slate-mid);font-size:0.87rem;margin-bottom:28px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}
.form-group{margin-bottom:16px;position:relative}
.form-label{display:block;font-size:0.78rem;font-weight:700;color:var(--navy);letter-spacing:0.04em;text-transform:uppercase;margin-bottom:6px}
.form-req{color:var(--gold)}
.form-input,.form-select,.form-textarea{width:100%;padding:12px 16px;border:1.5px solid var(--border);border-radius:var(--radius-sm);font-size:0.92rem;color:var(--navy);background:var(--cream);outline:none;transition:all 0.2s;font-family:var(--font-body)}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--gold);background:var(--white);box-shadow:0 0 0 4px rgba(184,137,47,0.1)}
.form-input.err,.form-select.err{border-color:#DC2626}
.form-textarea{min-height:90px;resize:vertical}
.form-select{appearance:none;cursor:pointer}
.form-err-msg{color:#DC2626;font-size:0.8rem;margin-top:8px;display:none;font-weight:600;background:#FEF2F2;border:1px solid #FCA5A5;padding:8px 12px;border-radius:6px;width:fit-content;}
.form-check{display:flex;gap:10px;align-items:flex-start;margin-bottom:20px}
.form-check input{width:16px;height:16px;flex-shrink:0;margin-top:2px;accent-color:var(--gold)}
.form-check label{font-size:0.83rem;color:var(--slate)}
.form-submit-btn{width:100%;padding:16px;background:var(--gold);color:var(--white);border:none;border-radius:var(--radius-pill);font-size:1rem;font-weight:700;font-family:var(--font-body);cursor:pointer;transition:all 0.25s;display:flex;align-items:center;justify-content:center;gap:10px}
.form-submit-btn:hover{background:#9a7228;transform:translateY(-2px);box-shadow:0 8px 24px rgba(184,137,47,0.35)}
.form-submit-btn:disabled{opacity:0.7;cursor:not-allowed;transform:none}
.form-spinner{width:18px;height:18px;border:2px solid rgba(255,255,255,0.3);border-top-color:var(--white);border-radius:50%;animation:spin 0.8s linear infinite;display:none}
@keyframes spin{to{transform:rotate(360deg)}}
.form-success{display:none;background:#ECFDF5;border:2px solid #10B981;color:#065F46;padding:20px 24px;border-radius:var(--radius-sm);text-align:center;font-weight:600;margin-top:16px}

/* =====================================================
   FOOTER
   ===================================================== */
#footer{background:var(--navy);border-top:4px solid var(--gold);padding:80px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.4fr 1.4fr;gap:48px}
@media(max-width:1024px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr}}
.footer-logo{font-family:var(--font-display);font-weight:900;font-size:1.25rem;color:var(--white);margin-bottom:10px}
.footer-logo-sub{font-size:0.65rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.footer-tagline{color:rgba(255,255,255,0.5);font-size:0.85rem;line-height:1.6;margin-bottom:20px}
.footer-social{display:flex;gap:10px}
.footer-soc-btn{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.12);display:flex;align-items:center;justify-content:center;font-size:0.85rem;color:rgba(255,255,255,0.6);cursor:pointer;transition:all 0.2s;text-decoration:none}
.footer-soc-btn:hover{background:var(--gold);border-color:var(--gold);color:var(--white)}
.footer-h{font-size:0.7rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:16px}
.footer-links{display:flex;flex-direction:column;gap:9px}
.footer-link{color:rgba(255,255,255,0.6);font-size:0.88rem;cursor:pointer;transition:color 0.15s;text-decoration:none}
.footer-link:hover{color:var(--gold)}
.footer-contact-row{display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;color:rgba(255,255,255,0.6);font-size:0.87rem}
.footer-contact-icon{color:var(--gold);flex-shrink:0;margin-top:1px}
.footer-bottom{margin-top:56px;border-top:1px solid rgba(255,255,255,0.07);padding:22px 0;display:flex;flex-direction:column;gap:8px;align-items:center;text-align:center}
.footer-copy{color:rgba(255,255,255,0.35);font-size:0.8rem}
.footer-disc{color:rgba(255,255,255,0.22);font-size:0.73rem;max-width:800px;line-height:1.55}

/* =====================================================
   WHATSAPP BUTTON
   ===================================================== */
#wa-btn{position:fixed;bottom:24px;right:24px;z-index:998;width:58px;height:58px;border-radius:50%;background:#25D366;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,0.5);transition:transform 0.2s,box-shadow 0.2s}
#wa-btn::before{content:'';position:absolute;width:58px;height:58px;border-radius:50%;background:#25D366;animation:wa-pulse 2s ease-out infinite;z-index:-1}
@keyframes wa-pulse{0%{transform:scale(1);opacity:0.6}100%{transform:scale(1.7);opacity:0}}
#wa-btn:hover{transform:scale(1.1);box-shadow:0 8px 28px rgba(37,211,102,0.65)}
#wa-btn svg{width:28px;height:28px}
.wa-tooltip{position:absolute;right:70px;top:50%;transform:translateY(-50%);background:var(--navy);color:var(--white);font-size:0.78rem;font-weight:600;padding:6px 14px;border-radius:var(--radius-pill);white-space:nowrap;opacity:0;pointer-events:none;transition:opacity 0.2s}
#wa-btn:hover .wa-tooltip{opacity:1}

/* =====================================================
   PAGE HERO (inner pages)
   ===================================================== */
.page-hero{background:var(--navy);padding:100px 0 60px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;top:-100px;right:-100px;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(184,137,47,0.08) 0%,transparent 70%);pointer-events:none}
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:0.78rem;color:rgba(255,255,255,0.4);margin-bottom:16px;flex-wrap:wrap}
.breadcrumb a{color:rgba(255,255,255,0.4);text-decoration:none;transition:color 0.15s}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb-sep{color:rgba(255,255,255,0.2)}
.page-hero h1{color:var(--white)}
.page-hero .ph-sub{color:rgba(255,255,255,0.6);font-size:1rem;margin-top:12px;max-width:600px}

/* =====================================================
   INNER PAGE SECTIONS
   ===================================================== */
.info-block{background:var(--gold-light);border-left:4px solid var(--gold);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:18px 22px;margin-bottom:28px}
.info-block p{margin:0;color:var(--navy);font-size:0.95rem;font-weight:500}
.warn-block{background:#FFF8E1;border-left:4px solid #F59E0B;border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:16px 20px;margin:20px 0}
.warn-block p{margin:0;color:#78350F;font-size:0.92rem}
.risk-block{background:#FFF1F0;border-left:4px solid #EF4444;border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:16px 20px;margin:20px 0}
.risk-block p{margin:0;color:#7F1D1D;font-size:0.92rem;font-weight:500}
.check-list{display:flex;flex-direction:column;gap:11px}
.ci{display:flex;gap:12px;align-items:flex-start;font-size:0.92rem;color:var(--slate)}
.ci-dot{color:var(--gold);font-weight:900;flex-shrink:0;margin-top:2px;font-size:0.85rem}
.two-col-page{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media(max-width:768px){.two-col-page{grid-template-columns:1fr}}
.inner-card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--gold);border-radius:var(--radius-sm);padding:24px}
.inner-card h3{font-size:0.95rem;margin-bottom:8px}
.inner-card p{font-size:0.87rem;color:var(--slate-mid);margin:0}
.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px}
@media(max-width:768px){.mini-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.mini-grid{grid-template-columns:1fr}}
.page-section-body{padding:72px 0}

/* =====================================================
   ACCORDION
   ===================================================== */
.faq-list{display:flex;flex-direction:column;gap:10px}
details.faq{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);overflow:hidden}
details.faq[open]{box-shadow:var(--shadow-card)}
details.faq summary{padding:18px 24px;cursor:pointer;font-weight:600;color:var(--navy);font-size:0.95rem;display:flex;justify-content:space-between;align-items:center;list-style:none;user-select:none;transition:background 0.15s;font-family:var(--font-body)}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:'+';font-size:1.5rem;color:var(--gold);font-weight:300;flex-shrink:0;margin-left:12px;line-height:1}
details.faq[open] summary::after{content:'−'}
details.faq summary:hover{background:var(--gold-light)}
.faq-ans{padding:14px 24px 18px;font-size:0.92rem;color:var(--slate);border-top:1px solid var(--border);line-height:1.75}
.faq-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}
.fq-tab{padding:8px 22px;border-radius:var(--radius-pill);cursor:pointer;font-size:0.85rem;font-weight:600;border:2px solid var(--border);background:var(--white);color:var(--slate);transition:all 0.18s;font-family:var(--font-body)}
.fq-tab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}
.fq-tab:hover:not(.active){border-color:var(--gold);color:var(--gold)}
.fq-panel{display:none}
.fq-panel.active{display:block}

/* =====================================================
   CTA STRIPS
   ===================================================== */
.cta-strip{padding:80px 0;text-align:center}
.cta-strip.gold-bg{background:var(--gold)}
.cta-strip.navy-bg{background:var(--navy)}
.cta-strip.gold-bg h2{color:var(--white)}
.cta-strip.gold-bg p{color:rgba(255,255,255,0.85)}
.cta-strip.navy-bg h2{color:var(--white)}
.cta-strip.navy-bg p{color:rgba(255,255,255,0.65)}

/* =====================================================
   ABOUT PAGE SPECIFICS
   ===================================================== */
.about-philosophy{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:32px}
@media(max-width:600px){.about-philosophy{grid-template-columns:1fr}}
.phil-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);padding:24px;display:flex;gap:16px}
.phil-icon{font-size:1.6rem;flex-shrink:0}
.phil-card h3{font-size:1rem;margin-bottom:5px}
.phil-card p{font-size:0.87rem;color:var(--slate-mid);margin:0}

/* =====================================================
   UNSECURED LOANS HIGHLIGHT
   ===================================================== */
.unsecured-hero-banner{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);border-radius:var(--radius);padding:48px;text-align:center;margin-bottom:48px;border:1px solid rgba(184,137,47,0.3);position:relative;overflow:hidden}
.unsecured-hero-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% -20%,rgba(184,137,47,0.15) 0%,transparent 60%)}
.uhb-main{font-family:var(--font-display);font-size:clamp(2rem,5vw,3.5rem);font-weight:900;color:var(--gold);display:block;margin-bottom:8px;position:relative;z-index:1}
.uhb-sub{font-family:var(--font-sub);font-size:clamp(1rem,2vw,1.3rem);color:rgba(255,255,255,0.82);display:block;position:relative;z-index:1;font-style:italic}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media(max-width:1024px){
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .process-grid{grid-template-columns:repeat(2,1fr)}
  .process-line{display:none}
}
@media(max-width:600px){
  .services-grid{grid-template-columns:1fr}
  .btn-group{flex-direction:column}
  .btn-group .btn{text-align:center;justify-content:center}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .kpi-grid{grid-template-columns:1fr 1fr}
  .about-philosophy{grid-template-columns:1fr}
  .mini-grid{grid-template-columns:1fr}
}