/* --- Design System --- */
:root {
    --primary-blue: #0F1E35;
    --navy-dark: #0A1425;
    --accent-gold: #B8892F;
    --gold-light: #F0E6D3;
    --gold-bright: #D4A843;
    --soft-blue: #1A3E72;
    --light-bg: #FAFAF8;
    --white: #FFFFFF;
    --text-dark: #1F2937;
    --text-muted: #6B7280;
    --shadow-sm: 0 4px 6px -1px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.08);
    --shadow-glass: 0 8px 32px 0 rgba(15, 30, 53, 0.37);
    --glass-bg: rgba(255, 255, 255, 0.03);
    --glass-border: rgba(255, 255, 255, 0.1);
    --transition-smooth: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    --radius-lg: 24px;
    --reveal-duration: 0.8s;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'DM Sans', system-ui, -apple-system, sans-serif;
    color: var(--text-dark);
    background-color: var(--light-bg);
    line-height: 1.6;
    overflow-x: hidden;
}

h1, h2, h3, h4 {
    font-family: 'Playfair Display', Georgia, serif;
}

/* --- Container --- */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

/* --- Navigation --- */
nav {
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition-smooth);
    padding: 1.25rem 0;
    background: transparent;
    border-bottom: 1px solid transparent;
}

nav.scrolled {
    background: rgba(15, 30, 53, 0.95);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    box-shadow: 0 8px 32px rgba(0,0,0,0.2);
    padding: 0.9rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

html {
    scroll-behavior: smooth;
}

.logo {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--white);
    text-decoration: none;
    letter-spacing: -0.02em;
    transition: var(--transition-smooth);
}

.logo span {
    color: var(--accent-gold);
}

.nav-links {
    display: flex;
    gap: 2rem;
    list-style: none;
    align-items: center;
}

.nav-links a {
    text-decoration: none;
    color: rgba(255,255,255,0.8);
    font-weight: 600;
    font-size: 0.85rem;
    transition: var(--transition-smooth);
    padding: 0.5rem 1rem;
}

.nav-links a:hover {
    color: var(--accent-gold);
}

.btn-nav-cta {
    background: var(--accent-gold) !important;
    color: var(--primary-blue) !important;
    padding: 0.6rem 1.5rem !important;
    border-radius: 50px !important;
}

.btn-nav-cta:hover {
    background: var(--gold-bright) !important;
    transform: translateY(-2px);
}

/* --- Services Grid --- */
.services-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 1.25rem;
    margin-top: 1rem;
    justify-content: center;
}

.service-card {
    background: var(--white);
    padding: 1.5rem 1.5rem;
    border-radius: 30px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-smooth);
    border: 2px solid rgba(184, 137, 47, 0.05); /* Subtle gold border base */
    display: flex;
    flex-direction: column;
    flex: 1 1 320px;
    max-width: 380px;
    min-height: 100%;
}

.service-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--accent-gold);
}
/* JS-driven 3D tilt overrides translateY hover for .tilt-card */
.service-card.tilt-card:hover {
    transform: none; /* tilt JS sets inline transform */
}

.service-icon {
    width: 70px;
    height: 70px;
    background: var(--gold-light);
    color: var(--accent-gold);
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.2rem;
    margin-bottom: 0.75rem;
    transition: var(--transition-smooth);
    box-shadow: 0 4px 15px rgba(184, 137, 47, 0.1);
}

.service-card:hover .service-icon {
    background: var(--accent-gold);
    color: var(--white);
    transform: rotate(-5deg) scale(1.1);
}

.service-card h3 {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--primary-blue);
    margin-bottom: 1.25rem;
    line-height: 1.2;
}

.service-bullets {
    list-style: none;
    margin-top: auto;
    padding-top: 0.75rem;
    border-top: 1px solid rgba(0,0,0,0.05);
}

.service-bullets li {
    margin-bottom: 0.4rem;
    font-size: 1rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    font-weight: 600;
    color: var(--text-dark);
}

.service-bullets li i {
    color: var(--accent-gold);
    font-size: 1rem;
}

/* --- FAQ Section --- */
.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: 20px;
    margin-bottom: 0.5rem;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-smooth);
    border: 1px solid rgba(0,0,0,0.02);
}

.faq-question {
    padding: 1rem 1.5rem;
    font-weight: 800;
    font-size: 0.95rem;
    color: var(--primary-blue);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition-smooth);
}

.faq-question:hover {
    color: var(--accent-gold);
    background: rgba(184, 137, 47, 0.02);
}

.faq-question i {
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    font-size: 0.9rem;
    opacity: 0.6;
}

.faq-item.active {
    border-color: rgba(184, 137, 47, 0.2);
    box-shadow: var(--shadow-md);
}

.faq-item.active .faq-question {
    color: var(--accent-gold);
    padding-bottom: 1rem;
}

.faq-item.active .faq-question i {
    transform: rotate(45deg);
    opacity: 1;
}

.faq-answer {
    padding: 0 2.5rem;
    max-height: 0;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    color: var(--text-dark);
    line-height: 1.8;
    font-size: 0.92rem;
    opacity: 0.8;
}

.faq-item.active .faq-answer {
    padding: 0 2.5rem 1.75rem;
    max-height: 1000px;
}

/* --- About Stats --- */
.stat-box {
    text-align: left;
}

.stat-number {
    display: block;
    font-size: 2.3rem;
    font-weight: 900;
    color: var(--accent-gold);
    line-height: 1;
    margin-bottom: 0.5rem;
}

.stat-label {
    font-size: 1rem;
    color: var(--text-muted);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* --- Section Styling --- */
.section {
    padding: 2rem 0;
}

.section-title {
    text-align: center;
    margin-bottom: 1rem;
}

.section-title h2 {
    font-size: clamp(1.5rem, 3.5vw, 2.2rem);
    color: var(--primary-blue);
    margin-bottom: 0.5rem;
    font-weight: 900;
    letter-spacing: -0.02em;
    line-height: 1.1;
}

.section-title p {
    color: var(--text-muted);
    max-width: 700px;
    margin: 0 auto;
    font-size: 0.9rem;
    font-weight: 500;
}

/* --- Buttons --- */
.btn {
    display: inline-block;
    padding: 0.8rem 2rem;
    border-radius: 50px;
    font-weight: 700;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition-smooth);
    border: none;
}

.btn-primary {
    background-color: var(--primary-blue);
    color: var(--white);
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    background-color: var(--soft-blue);
    transform: translateY(-2px);
}

.btn-outline {
    background-color: transparent;
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.3);
    box-shadow: none;
}

.btn-outline:hover {
    background-color: rgba(255, 255, 255, 0.1);
    transform: translateY(-2px);
    border-color: var(--white);
}

/* --- Hero Section --- */
.hero {
    min-height: auto;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    background: var(--primary-blue);
    color: var(--white);
    padding: 80px 0 40px;
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    filter: brightness(0.45);
    animation: hero-zoom 20s ease-out forwards;
}

@keyframes hero-zoom {
    from { transform: scale(1); }
    to { transform: scale(1.1); }
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(15, 30, 53, 0.4) 0%, rgba(15, 30, 53, 0.7) 100%);
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.hero-glass-card {
    background: var(--glass-bg);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-lg);
    padding: 30px 24px;
    box-shadow: var(--shadow-glass);
    animation: fade-up 1s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

@keyframes fade-up {
    from { opacity: 0; transform: translateY(40px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero h1 {
    font-size: clamp(2rem, 4.5vw, 3.2rem);
    line-height: 1.1;
    margin-bottom: 1.5rem;
    font-weight: 800;
    letter-spacing: -0.02em;
}

.hero h1 span {
    color: var(--accent-gold);
    font-style: italic;
}

.hero p {
    font-size: clamp(0.9rem, 1.5vw, 1.05rem);
    margin-bottom: 2.5rem;
    opacity: 0.95;
    line-height: 1.6;
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
    font-weight: 300;
}

.trust-badges {
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.badge-item {
    background: rgba(255, 255, 255, 0.1);
    padding: 0.6rem 1.2rem;
    border-radius: 50px;
    font-size: 0.9rem;
    font-weight: 600;
    border: 1px solid rgba(255, 255, 255, 0.2);
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.badge-item i {
    color: var(--accent-gold);
}

/* --- Animations --- */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-fade-in {
    animation: fadeInUp 0.8s ease-out forwards;
}

/* --- Reveal on Scroll --- */
.reveal-on-scroll {
    opacity: 0;
    transform: translateY(36px);
    transition: opacity 0.72s ease-out, transform 0.72s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal-on-scroll.revealed {
    opacity: 1;
    transform: translateY(0);
}

/* Slide from left */
.reveal-left {
    opacity: 0;
    transform: translateX(-44px);
    transition: opacity 0.7s ease-out, transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal-left.revealed {
    opacity: 1;
    transform: translateX(0);
}

/* Slide from right */
.reveal-right {
    opacity: 0;
    transform: translateX(44px);
    transition: opacity 0.7s ease-out, transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal-right.revealed {
    opacity: 1;
    transform: translateX(0);
}

/* Scale up */
.reveal-scale {
    opacity: 0;
    transform: scale(0.86);
    transition: opacity 0.6s ease-out, transform 0.6s cubic-bezier(0.34, 1.4, 0.64, 1);
}
.reveal-scale.revealed {
    opacity: 1;
    transform: scale(1);
}

/* Disable orbs & shimmer for reduced motion */
@media (prefers-reduced-motion: reduce) {
    .reveal-on-scroll, .reveal-left, .reveal-right, .reveal-scale {
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
    }
    .hero-orb        { animation: none !important; }
    .shimmer-text    { animation: none !important; background: var(--accent-gold); -webkit-text-fill-color: var(--accent-gold); }
    body             { animation: none !important; }
    .whatsapp-float  { animation: none !important; }
}

/* --- Testimonials --- */
.testimonials {
    background: var(--white);
    padding: 6rem 0;
}

.testimonial-card {
    background: var(--light-bg);
    padding: 2.5rem;
    border-radius: 20px;
    margin-bottom: 2rem;
    position: relative;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-smooth);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.testimonial-card i {
    font-size: 2rem;
    color: var(--accent-gold);
    opacity: 0.3;
    position: absolute;
    top: 1.5rem;
    left: 1.5rem;
}

.testimonial-text {
    font-style: italic;
    color: var(--text-dark);
    margin-bottom: 1.5rem;
}

.testimonial-author {
    font-weight: 700;
    color: var(--primary-blue);
}

/* --- Floating WhatsApp & Back-To-Top --- */
.whatsapp-float {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    background-color: #25d366;
    color: white;
    width: 60px;
    height: 60px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    box-shadow: 0 4px 20px rgba(37,211,102,0.45);
    z-index: 1900;   /* above all page content, below modal (2000) */
    text-decoration: none;
    transition: var(--transition-smooth);
}

.back-to-top {
    position: fixed;
    bottom: 6.5rem;
    right: 2rem;
    background-color: var(--primary-blue);
    color: white;
    width: 45px;
    height: 45px;
    border-radius: 50%;
    display: none;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    box-shadow: var(--shadow-md);
    z-index: 1900;
    text-decoration: none;
    transition: var(--transition-smooth);
    cursor: pointer;
}

.whatsapp-float:hover, .back-to-top:hover {
    transform: scale(1.1);
}

/* --- Social Icons --- */
.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 1.5rem;
}

.social-link {
    width: 35px;
    height: 35px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: var(--transition-smooth);
}

.social-link:hover {
    background: var(--accent-gold);
    transform: translateY(-3px);
}

/* --- Contact Page Styles --- */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 4rem;
    margin-top: 3rem;
}

.contact-info-card {
    background: var(--primary-blue);
    color: var(--white);
    padding: 3rem;
    border-radius: 30px;
}

.info-item {
    display: flex;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.info-item i {
    color: var(--accent-gold);
    font-size: 1.5rem;
}

.contact-form-container {
    background: var(--white);
    padding: 3rem;
    border-radius: 30px;
    box-shadow: var(--shadow-md);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--text-dark);
}

.form-group input, .form-group select, .form-group textarea {
    width: 100%;
    padding: 1rem;
    border-radius: 12px;
    border: 1px solid #E2E8F0;
    background: #F8FAFC;
    font-family: inherit;
    transition: var(--transition-smooth);
}

.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none;
    border-color: var(--accent-gold);
    box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.1);
}

/* --- Hero Stats Row --- */
.hero-stats {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 20px;
    padding: 1.8rem 2rem;
    margin: 1rem auto 0;
    max-width: 640px;
    backdrop-filter: blur(10px);
}

.hero-stat-card {
    flex: 1;
    text-align: center;
    padding: 0 1.5rem;
}

.hero-stat-icon {
    font-size: 1.6rem;
    color: var(--accent-gold);
    margin-bottom: 0.5rem;
}

.hero-stat-number {
    font-size: 1.6rem;
    font-weight: 900;
    color: #fff;
    line-height: 1;
    letter-spacing: -0.03em;
}

.hero-stat-label {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.65);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-top: 0.4rem;
    display: block;
}

.hero-stat-divider {
    width: 1px;
    height: 60px;
    background: rgba(255,255,255,0.2);
}

/* --- Nav Dropdown --- */
.nav-dropdown {
    position: relative;
}

.dropdown-menu {
    display: none;
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    background: rgba(15, 30, 53, 0.97);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 12px;
    min-width: 240px;
    list-style: none;
    padding: 0.5rem 0;
    box-shadow: 0 20px 40px rgba(0,0,0,0.3);
    z-index: 200;
    backdrop-filter: blur(20px);
}

.nav-dropdown:hover .dropdown-menu {
    display: block;
}

.dropdown-menu li a {
    display: block;
    padding: 0.75rem 1.5rem !important;
    font-size: 0.9rem !important;
    color: rgba(255,255,255,0.85) !important;
    transition: var(--transition-smooth);
    border-radius: 0 !important;
}

.dropdown-menu li a:hover {
    background: rgba(184,137,47,0.15);
    color: var(--accent-gold) !important;
    padding-left: 2rem !important;
}

/* --- Service Card Learn More --- */
.service-learn-more {
    margin-top: 1.5rem;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--accent-gold);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    transition: var(--transition-smooth);
}

.service-card:hover .service-learn-more {
    gap: 1rem;
}

/* --- Inner Page Hero --- */
.page-hero {
    background: var(--primary-blue);
    padding: 100px 0 36px;
    color: white;
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(184,137,47,0.15) 0%, transparent 60%);
}

.page-hero .container { position: relative; z-index: 1; }

.page-hero h1 {
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 900;
    letter-spacing: -0.03em;
    margin-bottom: 1rem;
}

.page-hero h1 span { color: var(--accent-gold); }

.page-hero p {
    font-size: 1rem;
    opacity: 0.8;
    max-width: 650px;
}

/* --- Info Cards Grid --- */
.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 1rem;
    margin-top: 1rem;
}

.info-card {
    background: white;
    border-radius: 16px;
    padding: 1.25rem 1.5rem;
    box-shadow: var(--shadow-sm);
    border-left: 4px solid var(--accent-gold);
    transition: var(--transition-smooth);
}

.info-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
}

.info-card h3 {
    color: var(--primary-blue);
    font-size: 1rem;
    font-weight: 800;
    margin-bottom: 0.4rem;
}

.info-card ul {
    list-style: none;
    line-height: 1.7;
}

.info-card ul li::before {
    content: '\f058';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    color: var(--accent-gold);
    margin-right: 0.6rem;
}

/* --- Breadcrumb --- */
.breadcrumb {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.55);
    margin-bottom: 1rem;
}

.breadcrumb a {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
}

.breadcrumb a:hover { color: var(--accent-gold); }
.breadcrumb span { margin: 0 0.5rem; }

/* --- Hero Trust Row --- */
.hero-trust-row {
    display: flex;
    justify-content: center;
    gap: 1.75rem;
    flex-wrap: wrap;
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-trust-item {
    display: flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.82);
    font-weight: 600;
    letter-spacing: 0.01em;
}
.hero-trust-item i { color: var(--accent-gold); font-size: 0.78rem; }

/* --- Lender Trust Strip --- */
.lender-strip {
    background: var(--gold-light);
    padding: 0.7rem 0;
    border-top: 1px solid rgba(184,137,47,0.18);
    border-bottom: 1px solid rgba(184,137,47,0.18);
}
.lender-strip-text {
    text-align: center;
    font-size: 0.84rem;
    color: var(--primary-blue);
    line-height: 1.6;
}

/* --- Most Popular Badge --- */
.popular-badge {
    display: inline-block;
    background: var(--accent-gold);
    color: var(--navy-dark);
    font-size: 0.68rem;
    font-weight: 800;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 0.22rem 0.7rem;
    border-radius: 50px;
    margin-bottom: 0.5rem;
}

/* --- How It Works (Landing) --- */
.how-steps {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 0;
    margin-top: 2rem;
}
.how-step {
    flex: 1;
    max-width: 280px;
    text-align: center;
    padding: 0 1.5rem;
}
.how-step-num {
    width: 54px;
    height: 54px;
    background: var(--accent-gold);
    color: var(--navy-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    font-weight: 900;
    margin: 0 auto 0.85rem;
    font-family: 'Playfair Display', serif;
}
.how-step h3 {
    color: white;
    font-size: 1rem;
    margin-bottom: 0.4rem;
}
.how-step p {
    color: rgba(255,255,255,0.68);
    font-size: 0.86rem;
    line-height: 1.65;
}
.how-step-arrow {
    display: flex;
    align-items: center;
    padding-top: 27px;
    color: rgba(255,255,255,0.25);
    font-size: 1.1rem;
    flex-shrink: 0;
}

/* --- Testimonials --- */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 1.5rem;
}
.testimonial-card {
    background: white;
    border-radius: 20px;
    padding: 1.75rem;
    box-shadow: var(--shadow-sm);
    border-top: 3px solid var(--accent-gold);
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.testimonial-stars {
    color: var(--accent-gold);
    font-size: 0.9rem;
    letter-spacing: 2px;
}
.testimonial-text {
    font-size: 0.9rem;
    line-height: 1.8;
    color: var(--text-dark);
    font-style: italic;
    flex: 1;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 0.7rem;
}
.testimonial-avatar {
    width: 40px;
    height: 40px;
    background: var(--primary-blue);
    color: var(--accent-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.78rem;
    flex-shrink: 0;
}
.testimonial-author strong {
    display: block;
    font-size: 0.88rem;
    color: var(--primary-blue);
    font-family: 'DM Sans', sans-serif;
}
.testimonial-author span {
    font-size: 0.77rem;
    color: var(--text-muted);
}

/* --- FAQ CTA --- */
.faq-cta {
    text-align: center;
    margin-top: 1.75rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(0,0,0,0.06);
}

/* ============================================================
   PREMIUM 3D & VISUAL EFFECTS
   ============================================================ */

/* --- Page Enter / Exit Transition --- */
body {
    animation: page-enter 0.3s ease-out both;
}
@keyframes page-enter {
    from { opacity: 0.5; }
    to   { opacity: 1; }
}
body.page-exit {
    opacity: 0 !important;
    transition: opacity 0.18s ease-in !important;
    pointer-events: none !important;
}

/* --- Shimmer Gold Text --- */
.shimmer-text {
    background: linear-gradient(
        100deg,
        var(--accent-gold)  0%,
        #F7E29A             30%,
        var(--gold-bright)  50%,
        #F7E29A             70%,
        var(--accent-gold)  100%
    );
    background-size: 250% auto;
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    animation: shimmer-sweep 3.2s linear infinite;
    font-style: italic;
}
@keyframes shimmer-sweep {
    from { background-position: 250% center; }
    to   { background-position: -250% center; }
}

/* --- Hero Floating Orbs --- */
.hero-orb {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
    z-index: 1;
}
.hero-orb-1 {
    width: 420px; height: 420px;
    background: radial-gradient(circle, rgba(184,137,47,0.28) 0%, transparent 70%);
    top: -120px; right: 8%;
    animation: orb-drift 20s ease-in-out infinite;
}
.hero-orb-2 {
    width: 280px; height: 280px;
    background: radial-gradient(circle, rgba(74,123,200,0.22) 0%, transparent 70%);
    bottom: -80px; left: 4%;
    animation: orb-drift 25s ease-in-out infinite reverse;
    animation-delay: -10s;
}
.hero-orb-3 {
    width: 180px; height: 180px;
    background: radial-gradient(circle, rgba(184,137,47,0.18) 0%, transparent 70%);
    top: 40%; left: 50%;
    animation: orb-drift 18s ease-in-out infinite;
    animation-delay: -6s;
}
@keyframes orb-drift {
    0%, 100% { transform: translate(0, 0)   scale(1);    }
    25%       { transform: translate(25px, -35px) scale(1.08); }
    50%       { transform: translate(-20px, 25px) scale(0.94); }
    75%       { transform: translate(35px,  15px) scale(1.04); }
}

/* --- 3D Card Tilt Container --- */
.tilt-card {
    transform-style: preserve-3d;
    transform: perspective(900px) rotateX(0deg) rotateY(0deg);
    transition: transform 0.12s ease-out, box-shadow 0.25s ease;
    will-change: transform;
}
.tilt-card:hover {
    box-shadow: 0 22px 48px rgba(15,30,53,0.18), 0 4px 16px rgba(184,137,47,0.12);
}

/* Card shine overlay */
.card-shine {
    position: absolute;
    inset: 0;
    border-radius: inherit;
    pointer-events: none;
    z-index: 10;
    transition: background 0.05s ease;
    mix-blend-mode: screen;
}

/* --- Magnetic Button --- */
.magnetic-btn {
    transition: transform 0.18s cubic-bezier(0.22, 1, 0.36, 1),
                box-shadow 0.18s ease,
                background-color 0.3s ease !important;
    will-change: transform;
}

/* --- Scroll Progress Bar --- */
#scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0%;
    background: linear-gradient(90deg, var(--accent-gold), var(--gold-bright));
    z-index: 9999;
    transition: width 0.1s linear;
    border-radius: 0 2px 2px 0;
    box-shadow: 0 0 8px rgba(184, 137, 47, 0.5);
}

/* --- Transitions & Micro-interactions --- */

/* Button press feedback (all .btn elements) */
.btn:active {
    transform: scale(0.955) translateY(1px) !important;
    box-shadow: none !important;
    transition: transform 0.08s ease, box-shadow 0.08s ease !important;
}

/* Nav link — animated gold underline on hover */
.nav-links > li > a:not(.btn-nav-cta) {
    position: relative;
}
.nav-links > li > a:not(.btn-nav-cta)::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 2px;
    background: var(--accent-gold);
    transition: width 0.28s ease, left 0.28s ease;
    border-radius: 2px;
}
.nav-links > li > a:not(.btn-nav-cta):hover::after {
    width: 60%;
    left: 20%;
}

/* How-step circle — spring scale on hover */
.how-step-num {
    transition: transform 0.38s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.3s ease;
}
.how-step:hover .how-step-num {
    transform: scale(1.2);
    box-shadow: 0 0 0 10px rgba(184, 137, 47, 0.14);
}

/* Testimonial card — lift on hover */
.testimonials-grid .testimonial-card {
    transition: transform 0.32s ease, box-shadow 0.32s ease;
}
.testimonials-grid .testimonial-card:hover {
    transform: translateY(-7px);
    box-shadow: var(--shadow-md);
}

/* WhatsApp float — subtle pulse ring */
@keyframes wa-pulse {
    0%, 100% { box-shadow: 0 4px 16px rgba(37,211,102,0.3), 0 0 0 0 rgba(37,211,102,0.4); }
    60%       { box-shadow: 0 4px 16px rgba(37,211,102,0.3), 0 0 0 12px rgba(37,211,102,0); }
}
.whatsapp-float {
    animation: wa-pulse 2.8s ease-in-out infinite;
}
.whatsapp-float:hover {
    animation: none;
    transform: scale(1.12);
}

/* Back-to-top — gold on hover */
.back-to-top:hover {
    background: var(--accent-gold) !important;
    color: var(--navy-dark) !important;
}

/* Stat box — subtle lift */
.stat-box {
    transition: transform 0.3s ease;
}
.stat-box:hover {
    transform: translateY(-4px);
}

/* Info card hover already exists; ensure transition is set */
.info-card {
    transition: var(--transition-smooth);
}

/* Dropdown — fade+slide instead of instant show */
.dropdown-menu {
    opacity: 0;
    transform: translateY(6px);
    pointer-events: none;
    display: block !important; /* override display:none with opacity trick */
    transition: opacity 0.22s ease, transform 0.22s ease;
}
.nav-dropdown:hover .dropdown-menu {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
}

/* --- Footer Grid --- */
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1.5fr 1.5fr;
    gap: 4rem;
}

/* ============================================================
   MOBILE RESPONSIVE — all breakpoints in one place
   ============================================================ */

/* Grid layout classes (replace inline styles) */
.content-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    align-items: center;
}

.two-col-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

@media (max-width: 900px) {
    .content-grid { grid-template-columns: 1fr; gap: 3rem; }
    .two-col-grid  { grid-template-columns: 1fr; gap: 2rem; }
    .steps-grid    { grid-template-columns: 1fr 1fr; gap: 2rem; }
}

@media (max-width: 768px) {

    /* Containers & sections */
    .container { padding: 0 1.25rem; }
    .section    { padding: 0.5rem 0; }
    .section-title { margin-bottom: 0.75rem; text-align: center; }
    .section-title h2 { font-size: 1.4rem !important; }
    .section-title p  { font-size: 0.85rem !important; }

    /* Grids */
    .footer-grid   { grid-template-columns: 1fr; gap: 1rem; }
    .footer-grid > div:nth-child(2) { display: none; } /* Quick Links — nav handles this on mobile */
    .content-grid  { grid-template-columns: 1fr; gap: 1.25rem; }
    .two-col-grid  { grid-template-columns: 1fr; gap: 1rem; }
    .steps-grid    { grid-template-columns: 1fr 1fr; gap: 0.75rem; }
    .info-grid     { grid-template-columns: 1fr; gap: 0.6rem; }

    /* Hero */
    .hero          { padding: 70px 0 24px; overflow: hidden; }
    .hero h1       { font-size: 1.7rem !important; }
    .hero-glass-card { padding: 20px 16px; }

    /* Hero orbs — hide on mobile (transform animations leak through overflow:hidden on iOS/Android) */
    .hero-orb { display: none !important; }
    .hero-stats    { flex-direction: row; gap: 0; padding: 0.75rem 0.5rem; }
    .hero-stat-card { padding: 0 0.5rem; }
    .hero-stat-divider { width: 1px; height: 40px; }
    .hero-stat-number { font-size: 1.2rem; }
    .hero-stat-icon { font-size: 1.1rem; margin-bottom: 0.2rem; }

    /* Inner page hero */
    .page-hero     { padding: 75px 0 18px; }
    .page-hero h1  { font-size: 1.45rem !important; line-height: 1.2; }
    .page-hero p   { font-size: 0.9rem; }
    .breadcrumb    { font-size: 0.75rem; margin-bottom: 0.4rem; }

    /* Process steps — single column, centred */
    .steps-grid > div {
        padding: 1.5rem 1rem;
        border-radius: 16px;
        background: var(--white);
        box-shadow: var(--shadow-sm);
    }

    /* Service cards — 2×2 grid on mobile */
    .services-grid  { flex-direction: row; }
    .service-card   { flex: 0 0 calc(50% - 10px); max-width: calc(50% - 10px); min-height: unset; }

    /* About grid */
    .grid { grid-template-columns: 1fr !important; gap: 2rem !important; }

    /* FAQ */
    .faq-question   { font-size: 0.9rem; padding: 0.85rem 1rem; }
    .faq-answer     { font-size: 0.88rem; padding: 0 1rem; }
    .faq-item.active .faq-answer { padding: 0 1rem 0.85rem; }

    /* Info cards */
    .info-card      { padding: 0.75rem 1rem; }
    .info-card h3   { font-size: 0.95rem; margin-bottom: 0.25rem; }
    .info-card ul   { line-height: 1.55; }
    .info-card ul li { font-size: 0.88rem; }

    /* Service cards compact on mobile */
    .service-card   { padding: 1rem; }
    .service-icon   { width: 50px; height: 50px; font-size: 1.4rem; margin-bottom: 0.5rem; }
    .service-bullets li { font-size: 0.85rem; }

    /* Enquiry form */
    .form-row       { grid-template-columns: 1fr; gap: 0; }
    .contact-grid   { grid-template-columns: 1fr; }

    /* Buttons */
    .btn-lg         { padding: 1rem 1.8rem !important; font-size: 1rem !important; }
    #form-submit-btn { font-size: 0.95rem; }

    /* Nav */
    .nav-links      { display: none; }
    .mobile-nav-icons { display: flex; }

    /* Trust badges / hero-stats */
    .trust-badges   { gap: 0.8rem; }
    .badge-item     { font-size: 0.85rem; width: 100%; justify-content: center; }

    /* CTA sections */
    section[style*="padding: 2.5rem 0"] { padding: 1.5rem 0 !important; }
    section[style*="padding: 2.5rem 0"] h2 { font-size: 1.35rem !important; margin-bottom: 0.35rem; }
    section[style*="padding: 2.5rem 0"] p  { margin-bottom: 1rem !important; font-size: 0.85rem !important; }

    /* Stat boxes */
    .stat-number    { font-size: 2.2rem; }

    /* Footer */
    footer          { padding: 1.25rem 0 !important; }
    footer h4       { margin-top: 0.5rem; font-size: 0.95rem; }
    footer ul       { line-height: 1.4 !important; margin-top: 0.35rem !important; }
    footer p        { font-size: 0.8rem; }
    footer .footer-grid > div:first-child p:first-of-type { margin-bottom: 0.25rem; }

    /* Service card content — narrow 2-col cards */
    .service-card h3        { font-size: 0.9rem !important; margin-bottom: 0.5rem; }
    .service-card > p       { font-size: 0.8rem; line-height: 1.5; }
    .service-learn-more     { font-size: 0.78rem; margin-top: 0.5rem; }
    .service-bullets li     { font-size: 0.8rem; margin-bottom: 0.25rem; }

    /* Form tighter */
    .form-group             { margin-bottom: 0.75rem; }

    /* About stats */
    .stat-number            { font-size: 1.5rem; }
    .stat-label             { font-size: 0.78rem; }

    /* Hero trust row */
    .hero-trust-row         { gap: 0.9rem; padding-top: 1rem; margin-top: 1rem; }
    .hero-trust-item        { font-size: 0.78rem; }

    /* Lender strip */
    .lender-strip-text      { font-size: 0.78rem; }

    /* How it works */
    .how-steps              { flex-direction: column; align-items: stretch; gap: 0; }
    .how-step-arrow         { display: none; }
    .how-step               { max-width: 100%; padding: 0.5rem 0; text-align: left; display: flex; gap: 1rem; align-items: flex-start; }
    .how-step-num           { width: 38px; height: 38px; font-size: 1.1rem; flex-shrink: 0; margin: 0; }

    /* Testimonials */
    .testimonials-grid      { grid-template-columns: 1fr; gap: 0.75rem; }
    .testimonial-card       { padding: 1.1rem; gap: 0.75rem; }
    .testimonial-text       { font-size: 0.86rem; line-height: 1.7; }
    .testimonial-avatar     { width: 34px; height: 34px; font-size: 0.72rem; }
}

/* --- Hamburger Button --- */
.hamburger-btn {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    z-index: 100;
}
.hamburger-btn span {
    display: block;
    width: 22px;
    height: 2px;
    background: white;
    border-radius: 2px;
    transition: all 0.3s;
}
@media (max-width: 768px) { .hamburger-btn { display: flex; } }

/* --- Mobile Nav Drawer --- */
.mobile-nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.55);
    z-index: 1500;
    backdrop-filter: blur(3px);
}
.mobile-nav-overlay.open { display: block; }

.mobile-nav-drawer {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(300px, 85vw);
    height: 100vh;
    background: #0F1E35;
    z-index: 1600;
    padding: 1.5rem;
    transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    overflow-y: auto;
    display: flex;
    flex-direction: column;
}
.mobile-nav-drawer.open { right: 0; }

.mobile-nav-close {
    background: none;
    border: none;
    color: rgba(255,255,255,0.6);
    font-size: 2rem;
    cursor: pointer;
    align-self: flex-end;
    line-height: 1;
    padding: 0;
    margin-bottom: 1.5rem;
    transition: color 0.2s;
}
.mobile-nav-close:hover { color: var(--accent-gold); }

.mobile-drawer-logo {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: white;
    text-decoration: none;
    margin-bottom: 2rem;
    display: block;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    padding-bottom: 1.25rem;
}
.mobile-drawer-logo span { color: var(--accent-gold); }

.mobile-drawer-nav {
    display: flex;
    flex-direction: column;
    gap: 0.2rem;
    flex: 1;
}

.mobile-drawer-nav > a {
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    font-size: 0.97rem;
    font-weight: 600;
    padding: 0.85rem 1rem;
    border-radius: 10px;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    transition: all 0.2s;
}
.mobile-drawer-nav > a:hover { background: rgba(184,137,47,0.15); color: var(--accent-gold); }

.mobile-nav-section-label {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    color: rgba(255,255,255,0.4);
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.75rem 1rem 0.35rem;
}

.mobile-nav-services-toggle {
    background: none;
    border: none;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.85rem 1rem;
    border-radius: 10px;
    cursor: pointer;
    color: rgba(255,255,255,0.85);
    font-family: inherit;
    font-size: 0.97rem;
    font-weight: 600;
    transition: all 0.2s;
}
.mobile-nav-services-toggle:hover { background: rgba(184,137,47,0.15); color: var(--accent-gold); }
.mobile-nav-services-toggle .svc-chevron {
    font-size: 0.72rem;
    opacity: 0.6;
    transition: transform 0.3s;
}
.mobile-nav-services-toggle.open .svc-chevron { transform: rotate(180deg); }
.mobile-nav-services-toggle.open { color: var(--accent-gold); }

.mobile-nav-sub-links {
    display: none;
    flex-direction: column;
    gap: 0.1rem;
    padding-left: 0.75rem;
    margin-bottom: 0.5rem;
}
.mobile-nav-sub-links.open { display: flex; }
.mobile-nav-sub-links a {
    color: rgba(255,255,255,0.7);
    text-decoration: none;
    font-size: 0.88rem;
    padding: 0.55rem 1rem;
    border-radius: 8px;
    display: block;
    border-left: 2px solid rgba(184,137,47,0.25);
    transition: all 0.2s;
}
.mobile-nav-sub-links a:hover { color: var(--accent-gold); background: rgba(184,137,47,0.1); border-left-color: var(--accent-gold); }

.mobile-cta-link {
    background: var(--accent-gold) !important;
    color: var(--navy-dark) !important;
    font-weight: 700 !important;
    border-radius: 50px !important;
    justify-content: center !important;
    margin-top: 1rem;
}
.mobile-cta-link:hover { background: var(--gold-bright) !important; }

/* --- Enquiry Modal --- */
.modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(10, 20, 37, 0.82);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    padding: 1rem;
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
}

.modal-overlay.open {
    display: flex;
}

.modal-box {
    background: white;
    border-radius: 24px;
    padding: 2.5rem;
    max-width: 640px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    box-shadow: 0 30px 80px rgba(0,0,0,0.35);
    animation: fade-up 0.3s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

.modal-close {
    position: absolute;
    top: 1rem;
    right: 1.25rem;
    background: none;
    border: none;
    font-size: 1.75rem;
    cursor: pointer;
    color: var(--text-muted);
    line-height: 1;
    transition: color 0.2s;
}

.modal-close:hover { color: var(--primary-blue); }

@media (max-width: 768px) {
    .modal-box { padding: 1.5rem; border-radius: 16px; max-height: 88vh; }
}

/* --- Print Styles --- */
@media print {
    body * { visibility: hidden; }
    #calculator, #calculator * { visibility: visible; }
    #calculator { position: absolute; left: 0; top: 0; width: 100%; height: auto; background: white !important; color: black !important; }
    .calculator-container { padding: 0 !important; background: none !important; }
    .section-title h2 { color: #1a2b48 !important; }
    .section-title p { color: #64748b !important; }
    .calculator-form, .hero, nav, .top-bar, .whatsapp-float, .back-to-top, .calc-actions, .calc-comparison, .result-display, footer { display: none !important; }
    
    /* Show printed header */
    .print-header { display: block !important; visibility: visible !important; margin-bottom: 3rem; border-bottom: 2px solid #1a2b48; padding-bottom: 1rem; }
    .print-header h2 { color: #1a2b48; margin: 0; }
    
    /* Result summary for print */
    .print-summary { display: grid !important; visibility: visible !important; grid-template-columns: repeat(3, 1fr); gap: 2rem; margin: 2rem 0; padding: 2rem; background: #f8fafc; border-radius: 10px; border: 1px solid #e2e8f0; }
    .print-summary div span { font-size: 0.9rem; color: #64748b; display: block; }
    .print-summary div strong { font-size: 1.25rem; color: #1a2b48; }

    .amortization-wrapper { visibility: visible !important; box-shadow: none !important; padding: 0 !important; margin-top: 2rem !important; }
    .amortization-table th { background: #f1f5f9 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }

    /* Footer for print */
    .print-footer { display: block !important; visibility: visible !important; position: fixed; bottom: 0; width: 100%; text-align: center; border-top: 1px solid #e2e8f0; padding-top: 1rem; }
}

.print-header, .print-summary, .print-footer { display: none; }

/* --- Progress Bar --- */
.progress-container {
    width: 100%;
    height: 8px;
    background: #e2e8f0;
    border-radius: 10px;
    margin-bottom: 2.5rem;
    overflow: hidden;
}

.progress-bar {
    height: 100%;
    background: var(--accent-gold);
    width: 25%;
    transition: width 0.4s ease;
}

.mobile-nav-icons {
    display: none;
    gap: 1rem;
    align-items: center;
}

/* ============================================================
   FEATURE ADDITIONS — EMI CALC, DOTS, SCROLLBAR, TYPEWRITER
   ============================================================ */

/* ============================================================
   ANIMATED SVG SERVICE ICONS
   ============================================================ */

/* Container override — SVG icons handle their own visuals */
.service-icon.has-svg-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.35s ease, box-shadow 0.35s ease;
}
.service-card:hover .service-icon.has-svg-icon {
    background: var(--accent-gold);
    color: var(--white);
    transform: none; /* remove the -5deg rotate — icon handles its own effect */
    box-shadow: 0 6px 20px rgba(184,137,47,0.35);
}

.svc-icon-svg {
    width: 54%;
    height: 54%;
    display: block;
    overflow: hidden;
}

/* ── House: gentle bob idle + draws itself on card hover ─────────────────── */
.icon-house {
    animation: house-bob 3s ease-in-out infinite;
}
.service-card:hover .icon-house {
    animation: none;
}
@keyframes house-bob {
    0%, 100% { transform: translateY(0);   }
    50%       { transform: translateY(-4px); }
}

.h-chimney { stroke-dasharray: 9;  stroke-dashoffset: 0; }
.h-roof    { stroke-dasharray: 56; stroke-dashoffset: 0; }
.h-walls   { stroke-dasharray: 66; stroke-dashoffset: 0; }
.h-door    { stroke-dasharray: 46; stroke-dashoffset: 0; }
.h-win     { stroke-dasharray: 29; stroke-dashoffset: 0; }

/* On hover: instantly hide each segment, then draw them in sequence */
.service-card:hover .icon-house .h-chimney {
    stroke-dashoffset: 9;
    animation: svg-draw 0.22s 0.05s ease forwards;
}
.service-card:hover .icon-house .h-roof {
    stroke-dashoffset: 56;
    animation: svg-draw 0.5s 0.22s ease forwards;
}
.service-card:hover .icon-house .h-walls {
    stroke-dashoffset: 66;
    animation: svg-draw 0.5s 0.68s ease forwards;
}
.service-card:hover .icon-house .h-door {
    stroke-dashoffset: 46;
    animation: svg-draw 0.35s 1.15s ease forwards;
}
.service-card:hover .icon-house .h-win {
    stroke-dashoffset: 29;
    animation: svg-draw 0.28s 1.1s ease forwards;
}

@keyframes svg-draw { to { stroke-dashoffset: 0; } }

/* ── Building: gentle pulse idle + floors rise in on hover ──────────────── */
.icon-building {
    animation: bld-pulse 2.8s ease-in-out infinite;
    transform-origin: center bottom;
}
.service-card:hover .icon-building {
    animation: none;
}
@keyframes bld-pulse {
    0%, 100% { transform: scaleY(1);    }
    50%       { transform: scaleY(1.05); }
}

/* ── Building: floors rise in on hover ───────────────────────────────────── */
.icon-building .bld-base,
.icon-building .bld-walls,
.icon-building .bld-top,
.icon-building .bld-win {
    transition: transform 0.4s cubic-bezier(0.34,1.56,0.64,1), opacity 0.35s ease;
    transform-origin: bottom center;
}
.service-card:hover .icon-building .bld-base  { transform: scaleX(1.05); }
.service-card:hover .icon-building .bld-walls {
    animation: floor-rise 0.5s 0.1s cubic-bezier(0.34,1.4,0.64,1) both;
}
.service-card:hover .icon-building .bld-top {
    animation: floor-rise 0.45s 0.45s cubic-bezier(0.34,1.4,0.64,1) both;
}
.service-card:hover .icon-building .bld-win {
    animation: floor-rise 0.4s 0.6s cubic-bezier(0.34,1.56,0.64,1) both;
}

@keyframes floor-rise {
    from { transform: translateY(6px) scaleY(0.88); opacity: 0.5; }
    to   { transform: translateY(0)   scaleY(1);    opacity: 1;   }
}

/* ── Gear: slow continuous spin, faster on hover ─────────────────────────── */
.icon-gear {
    animation: gear-spin 10s linear infinite;
    transform-origin: 50% 50%;
}
.service-card:hover .icon-gear {
    animation: gear-spin 1.4s linear infinite;
}
@keyframes gear-spin { to { transform: rotate(360deg); } }

/* ── Exchange arrows: slow continuous rotation, pulse-spin on hover ─────── */
.icon-exchange {
    transform-origin: 50% 50%;
    animation: arrow-rotate 6s linear infinite;
}
.service-card:hover .icon-exchange {
    animation: arrow-swap 0.72s cubic-bezier(0.4, 0, 0.2, 1) infinite;
}
@keyframes arrow-rotate {
    from { transform: rotate(0deg);   }
    to   { transform: rotate(360deg); }
}
@keyframes arrow-swap {
    0%   { transform: rotate(0deg)   scale(1);    }
    45%  { transform: rotate(180deg) scale(1.08); }
    100% { transform: rotate(360deg) scale(1);    }
}

/* ── Toast Notification ──────────────────────────────────────────────────── */
.toast-notif {
    position: fixed;
    bottom: -140px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--primary-blue);
    color: white;
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.25rem 1rem 1.4rem;
    border-radius: 18px;
    box-shadow: 0 12px 48px rgba(0,0,0,0.35), 0 2px 0 rgba(255,255,255,0.06) inset;
    z-index: 9998;
    min-width: 340px;
    max-width: min(90vw, 480px);
    border-left: 5px solid var(--accent-gold);
    transition: bottom 0.52s cubic-bezier(0.34, 1.56, 0.64, 1);
    pointer-events: none;
}
.toast-notif.show {
    bottom: 2rem;
    pointer-events: auto;
}
.toast-icon {
    font-size: 1.6rem;
    color: var(--accent-gold);
    flex-shrink: 0;
    line-height: 1;
}
.toast-body {
    flex: 1;
    min-width: 0;
}
.toast-body strong {
    display: block;
    font-size: 0.92rem;
    font-weight: 800;
    margin-bottom: 0.18rem;
}
.toast-body span {
    font-size: 0.8rem;
    opacity: 0.72;
    font-weight: 400;
}
.toast-close {
    background: none;
    border: none;
    color: rgba(255,255,255,0.45);
    font-size: 1.4rem;
    cursor: pointer;
    padding: 0 0 0 0.5rem;
    flex-shrink: 0;
    line-height: 1;
    transition: color 0.2s;
}
.toast-close:hover { color: white; }

@media (max-width: 480px) {
    .toast-notif { min-width: calc(100vw - 2rem); left: 1rem; transform: none; }
    .toast-notif.show { bottom: 1.25rem; }
}

/* ── 4. Custom Scrollbar ─────────────────────────────────────────────────── */
::-webkit-scrollbar              { width: 6px; }
::-webkit-scrollbar-track        { background: var(--navy-dark); }
::-webkit-scrollbar-thumb        { background: var(--accent-gold); border-radius: 10px; }
::-webkit-scrollbar-thumb:hover  { background: var(--gold-bright); }

/* ── 3. Section Navigation Dots ──────────────────────────────────────────── */
.section-dots {
    position: fixed;
    right: 1.25rem;
    top: 50%;
    transform: translateY(-50%);
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
    z-index: 900;
}
.s-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(184,137,47,0.25);
    border: 2px solid rgba(184,137,47,0.4);
    cursor: pointer;
    transition: all 0.3s ease;
    position: relative;
    display: block;
}
.s-dot::before {
    content: attr(data-label);
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    background: var(--primary-blue);
    color: white;
    padding: 0.28rem 0.8rem;
    border-radius: 6px;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.72rem;
    font-weight: 600;
    white-space: nowrap;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.2s ease, transform 0.2s ease;
    transform: translateY(-50%) translateX(4px);
}
.s-dot:hover::before {
    opacity: 1;
    transform: translateY(-50%) translateX(0);
}
.s-dot.active {
    background: var(--accent-gold);
    border-color: var(--accent-gold);
    transform: scale(1.35);
    box-shadow: 0 0 0 4px rgba(184,137,47,0.18);
}
@media (max-width: 1024px) { .section-dots { display: none; } }

/* ── 5. Typewriter ───────────────────────────────────────────────────────── */
.typewriter-word   { color: var(--accent-gold); font-style: italic; }
.typewriter-cursor {
    color: var(--accent-gold);
    font-weight: 300;
    animation: tw-blink 0.75s step-end infinite;
}
@keyframes tw-blink { 0%, 100% { opacity: 1; } 50% { opacity: 0; } }

/* ── 2. WhatsApp Tooltip ─────────────────────────────────────────────────── */
.wa-tooltip {
    position: absolute;
    right: 72px;
    top: 50%;
    transform: translateY(-50%) translateX(8px);
    background: white;
    color: #0a7a50;
    padding: 0.42rem 1.1rem;
    border-radius: 50px;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.8rem;
    font-weight: 700;
    white-space: nowrap;
    box-shadow: 0 4px 18px rgba(0,0,0,0.14);
    opacity: 0;
    pointer-events: none;
    animation: wa-tip 9s ease-in-out 3s infinite;
}
.wa-tooltip::after {
    content: '';
    position: absolute;
    right: -5px;
    top: 50%;
    transform: translateY(-50%);
    border: 5px solid transparent;
    border-left-color: white;
    border-right-width: 0;
}
@keyframes wa-tip {
    0%, 100%  { opacity: 0; transform: translateY(-50%) translateX(8px); }
    8%, 38%   { opacity: 1; transform: translateY(-50%) translateX(0);   }
    46%       { opacity: 0; transform: translateY(-50%) translateX(8px); }
}

/* ── 6. Glassmorphism Modal ──────────────────────────────────────────────── */
.glass-modal {
    background: rgba(255, 255, 255, 0.96) !important;
    backdrop-filter: blur(24px) saturate(1.4) !important;
    -webkit-backdrop-filter: blur(24px) saturate(1.4) !important;
    border: 1px solid rgba(184, 137, 47, 0.22) !important;
    box-shadow:
        0 2px 0 rgba(255,255,255,0.9) inset,
        0 24px 64px rgba(15,30,53,0.28) !important;
    /* Transition-based reveal: reliably triggers when overlay goes display:flex */
    opacity: 0;
    transform: scale(0.92) translateY(16px);
    transition: opacity 0.28s ease, transform 0.28s cubic-bezier(0.22, 1, 0.36, 1) !important;
    animation: none !important;
}
.modal-overlay.open .glass-modal {
    opacity: 1 !important;
    transform: scale(1) translateY(0) !important;
}

/* ── 8. Hero Image Blur Placeholder ─────────────────────────────────────── */
.hero-img-lazy {
    filter: blur(10px);
    transition: filter 0.7s ease;
}
.hero-img-lazy.loaded { filter: blur(0); }

/* ── 1. EMI Calculator ───────────────────────────────────────────────────── */
.calc-tabs {
    display: flex;
    gap: 0.4rem;
    background: rgba(15,30,53,0.07);
    padding: 0.3rem;
    border-radius: 50px;
    max-width: 460px;
    margin: 0 auto 1.75rem;
}
.calc-tab {
    flex: 1;
    padding: 0.65rem 1rem;
    border-radius: 50px;
    border: none;
    background: transparent;
    font-family: 'DM Sans', inherit;
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--text-muted);
    cursor: pointer;
    transition: all 0.3s ease;
    white-space: nowrap;
}
.calc-tab.active {
    background: var(--primary-blue);
    color: white;
    box-shadow: 0 4px 14px rgba(15,30,53,0.22);
}
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    align-items: start;
}
.calc-field { margin-bottom: 1.35rem; }
.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.55rem;
}
.calc-label-row label {
    font-weight: 700;
    font-size: 0.88rem;
    color: var(--text-dark);
}
.calc-input-box {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    background: white;
    border: 1.5px solid rgba(184,137,47,0.35);
    border-radius: 8px;
    padding: 0.28rem 0.65rem;
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--primary-blue);
}
.calc-input-box input {
    border: none;
    background: transparent;
    width: 85px;
    font-weight: 700;
    font-size: 0.86rem;
    color: var(--primary-blue);
    font-family: inherit;
    text-align: right;
    outline: none;
    -moz-appearance: textfield;
}
.calc-input-box input::-webkit-outer-spin-button,
.calc-input-box input::-webkit-inner-spin-button { -webkit-appearance: none; }

/* Slider */
.calc-slider {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 5px;
    border-radius: 5px;
    outline: none;
    cursor: pointer;
    background: #e2e8f0;
}
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 19px;
    height: 19px;
    border-radius: 50%;
    background: var(--accent-gold);
    border: 3px solid white;
    box-shadow: 0 2px 8px rgba(184,137,47,0.4);
    cursor: pointer;
    transition: transform 0.15s ease;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.25); }
.calc-slider::-moz-range-thumb {
    width: 19px; height: 19px;
    border-radius: 50%;
    background: var(--accent-gold);
    border: 3px solid white;
    box-shadow: 0 2px 8px rgba(184,137,47,0.4);
    cursor: pointer;
}
.calc-slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.7rem;
    color: var(--text-muted);
    margin-top: 0.3rem;
}

/* Results panel */
.calc-results {
    background: var(--primary-blue);
    border-radius: 24px;
    padding: 1.75rem;
    color: white;
    position: sticky;
    top: 90px;
}
.calc-emi-display {
    text-align: center;
    margin-bottom: 1.4rem;
    padding-bottom: 1.2rem;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.calc-emi-label {
    display: block;
    font-size: 0.75rem;
    color: rgba(255,255,255,0.58);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.4rem;
}
.calc-emi-value {
    display: block;
    font-size: 2.4rem;
    font-weight: 900;
    color: var(--accent-gold);
    letter-spacing: -0.03em;
    font-family: 'Playfair Display', serif;
    transition: all 0.25s ease;
}
.savings-value { color: #4ade80 !important; }
.calc-breakdown { margin-bottom: 1.1rem; }
.calc-breakdown-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.48rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    font-size: 0.85rem;
}
.calc-breakdown-item span   { color: rgba(255,255,255,0.62); }
.calc-breakdown-item strong { color: white; font-weight: 700; }
.calc-breakdown-item.total  { border-bottom: none; padding-top: 0.7rem; }
.calc-breakdown-item.total span { color: rgba(255,255,255,0.9); font-weight: 700; }
.calc-bar-wrap {
    display: flex;
    height: 7px;
    border-radius: 7px;
    overflow: hidden;
    margin-top: 0.6rem;
    background: rgba(255,255,255,0.08);
}
.calc-bar-principal { background: rgba(255,255,255,0.65); transition: width 0.4s ease; }
.calc-bar-interest  { background: var(--accent-gold);      transition: width 0.4s ease; }
.calc-bar-legend {
    display: flex;
    gap: 1.25rem;
    font-size: 0.73rem;
    color: rgba(255,255,255,0.55);
    margin-top: 0.5rem;
}
.calc-bar-legend i {
    display: inline-block;
    width: 10px; height: 10px;
    border-radius: 3px;
    margin-right: 0.3rem;
    vertical-align: middle;
}
@media (max-width: 768px) {
    .calc-grid         { grid-template-columns: 1fr; gap: 1rem; }
    .calc-tabs         { max-width: 100%; }
    .calc-tab          { font-size: 0.78rem; padding: 0.55rem 0.6rem; }
    .calc-emi-value    { font-size: 1.9rem; }
    .calc-results      { position: static; }
    .calc-input-box input { width: 70px; }
}