/* ============================
   AFFLUENCE AXIS - Premium Stylesheet
   ============================*/

/* --- Google Fonts & CSS Variables --- */
:root {
    --gold: #C9A84C;
    --gold-light: #E8C876;
    --gold-dark: #A07832;
    --navy: #0A0F1E;
    --navy-2: #0D1525;
    --navy-3: #111B30;
    --navy-card: #141E35;
    --navy-border: rgba(201,168,76,0.15);
    --white: #F8F9FF;
    --text: #C8D0E0;
    --text-dim: #7A8BA8;
    --green: #27AE60;
    --red: #E74C3C;
    --gradient-gold: linear-gradient(135deg, #C9A84C, #E8C876, #A07832);
    --gradient-card: linear-gradient(135deg, rgba(20,30,53,0.9), rgba(10,15,30,0.95));
    --shadow-gold: 0 0 30px rgba(201,168,76,0.25);
    --shadow-card: 0 8px 32px rgba(0,0,0,0.4);
    --radius: 16px;
    --radius-sm: 10px;
    --transition: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    --font-main: 'Outfit', sans-serif;
    --font-display: 'Playfair Display', serif;
}

/* --- Reset & Base --- */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: var(--font-main);
    background: var(--navy);
    color: var(--white);
    overflow-x: hidden;
    line-height: 1.7;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }
button { cursor: pointer; border: none; background: none; font-family: var(--font-main); }

/* --- Utility Classes --- */
.container { max-width: 1220px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section-sm { padding: 60px 0; }
.gold { color: var(--gold); }
.gold-text { color: var(--gold); }
.green { color: var(--green); }
.red { color: var(--red); }
.left-align { text-align: left; }
em { font-style: italic; font-family: var(--font-display); color: var(--gold-light); }

/* --- Section Headers --- */
.section-header { text-align: center; margin-bottom: 70px; }
.section-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 3px;
    color: var(--gold);
    background: rgba(201,168,76,0.1);
    border: 1px solid var(--navy-border);
    padding: 6px 18px;
    border-radius: 30px;
    margin-bottom: 20px;
    text-transform: uppercase;
}
.section-title {
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.2;
    margin-bottom: 16px;
}
.section-sub { color: var(--text-dim); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }

/* ======= BUTTONS ======= */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 50px;
    font-size: 0.95rem;
    font-weight: 600;
    transition: var(--transition);
    white-space: nowrap;
}
.btn-gold {
    background: var(--gradient-gold);
    color: #0A0F1E;
    box-shadow: 0 4px 20px rgba(201,168,76,0.35);
}
.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(201,168,76,0.5);
    filter: brightness(1.1);
}
.btn-outline {
    background: transparent;
    border: 1.5px solid rgba(201,168,76,0.5);
    color: var(--gold-light);
}
.btn-outline:hover {
    background: rgba(201,168,76,0.1);
    border-color: var(--gold);
    transform: translateY(-2px);
}
.btn-lg { padding: 16px 34px; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }

/* ======= NAVBAR ======= */
.navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    padding: 20px 0;
    transition: var(--transition);
}
.navbar.scrolled {
    background: rgba(10,15,30,0.95);
    backdrop-filter: blur(20px);
    padding: 12px 0;
    border-bottom: 1px solid var(--navy-border);
    box-shadow: 0 4px 30px rgba(0,0,0,0.5);
}
.nav-container {
    max-width: 1220px; margin: 0 auto; padding: 0 24px;
    display: flex; align-items: center; gap: 32px;
}
.nav-logo { display: flex; flex-direction: column; line-height: 1; }
.logo-text { font-weight: 800; font-size: 1.5rem; letter-spacing: -0.5px; }
.logo-tagline { font-size: 11px; color: var(--text-dim); letter-spacing: 1px; }
.nav-links {
    display: flex; align-items: center; gap: 4px; margin-left: auto;
}
.nav-link {
    padding: 8px 16px;
    border-radius: 30px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text);
    transition: var(--transition);
    position: relative;
}
.nav-link:hover, .nav-link.active {
    color: var(--gold);
    background: rgba(201,168,76,0.08);
}
.nav-cta { font-size: 0.88rem; padding: 11px 22px; margin-left: 8px; }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text); transition: var(--transition); border-radius: 2px; }

/* ======= HERO ======= */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg-img { width: 100%; height: 100%; object-fit: cover; opacity: 0.35; }
.hero-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(10,15,30,0.85) 0%, rgba(10,15,30,0.6) 50%, rgba(10,15,30,0.9) 100%);
}
.hero-particles { position: absolute; inset: 0; z-index: 1; overflow: hidden; }
.particle {
    position: absolute;
    width: 2px; height: 2px;
    border-radius: 50%;
    background: var(--gold);
    opacity: 0;
    animation: float-particle linear infinite;
}
@keyframes float-particle {
    0% { opacity: 0; transform: translateY(0) scale(0); }
    10% { opacity: 0.8; transform: translateY(-20px) scale(1); }
    90% { opacity: 0.4; }
    100% { opacity: 0; transform: translateY(-80vh) scale(0); }
}
.hero-content {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 900px;
    padding: 140px 24px 100px;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(201,168,76,0.12);
    border: 1px solid rgba(201,168,76,0.3);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 13px;
    color: var(--gold-light);
    margin-bottom: 32px;
    animation: fadeInDown 0.8s ease;
}
.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.8rem, 7vw, 5rem);
    font-weight: 700;
    line-height: 1.1;
    color: var(--white);
    margin-bottom: 24px;
    animation: fadeInUp 0.9s ease 0.1s both;
}
.hero-title em {
    display: block;
    background: var(--gradient-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-style: italic;
}
.hero-subtitle {
    font-size: clamp(1rem, 2.5vw, 1.2rem);
    color: var(--text);
    max-width: 680px;
    margin: 0 auto 40px;
    animation: fadeInUp 1s ease 0.2s both;
}
.hero-actions {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 70px;
    animation: fadeInUp 1.1s ease 0.3s both;
}
.hero-stats {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    flex-wrap: wrap;
    background: rgba(255,255,255,0.04);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(201,168,76,0.15);
    border-radius: var(--radius);
    padding: 28px 40px;
    animation: fadeInUp 1.2s ease 0.4s both;
}
.stat { text-align: center; padding: 0 36px; }
.stat-value {
    display: block;
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--gold-light);
    line-height: 1;
}
.stat-unit { font-size: 1rem; font-weight: 600; color: var(--gold); }
.stat-label { display: block; font-size: 12px; color: var(--text-dim); margin-top: 6px; letter-spacing: 0.5px; }
.stat-divider { width: 1px; height: 50px; background: var(--navy-border); }
.hero-scroll-indicator {
    position: absolute;
    bottom: 40px; left: 50%; transform: translateX(-50%);
    display: flex; flex-direction: column; align-items: center; gap: 8px;
    font-size: 11px; letter-spacing: 2px; color: var(--text-dim); text-transform: uppercase;
    z-index: 2;
    animation: fadeIn 2s ease 1s both;
}
.scroll-line {
    width: 1px; height: 40px;
    background: linear-gradient(var(--gold), transparent);
    animation: pulse-line 2s ease-in-out infinite;
}
@keyframes pulse-line { 0%,100% { opacity: 0.4; } 50% { opacity: 1; } }

/* ======= TICKER ======= */
.ticker-bar {
    background: linear-gradient(90deg, var(--navy-2), var(--navy-3));
    border-top: 1px solid var(--navy-border);
    border-bottom: 1px solid var(--navy-border);
    overflow: hidden;
    padding: 14px 0;
}
.ticker-track {
    display: flex;
    gap: 60px;
    white-space: nowrap;
    animation: ticker 40s linear infinite;
    width: max-content;
}
.ticker-item {
    font-size: 13px;
    color: var(--text);
    font-weight: 500;
    flex-shrink: 0;
}
.ticker-item strong.green { color: var(--green); }
.ticker-item strong.red { color: var(--red); }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ======= SERVICES ======= */
.services { background: var(--navy); }
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.service-card {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--radius);
    padding: 36px 32px;
    position: relative;
    transition: var(--transition);
    overflow: hidden;
}
.service-card::before {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(201,168,76,0.05), transparent);
    opacity: 0; transition: var(--transition);
}
.service-card:hover { transform: translateY(-8px); border-color: rgba(201,168,76,0.4); box-shadow: var(--shadow-gold), var(--shadow-card); }
.service-card:hover::before { opacity: 1; }
.service-card.featured {
    border-color: rgba(201,168,76,0.5);
    background: linear-gradient(135deg, rgba(20,30,53,1), rgba(15,22,45,1));
}
.service-badge {
    position: absolute;
    top: 20px; right: 20px;
    background: var(--gradient-gold);
    color: var(--navy);
    font-size: 11px;
    font-weight: 700;
    padding: 5px 14px;
    border-radius: 30px;
    letter-spacing: 0.5px;
}
.service-icon-wrap { position: relative; width: fit-content; margin-bottom: 24px; }
.service-icon {
    width: 64px; height: 64px;
    border-radius: 16px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.2);
    display: flex; align-items: center; justify-content: center;
    font-size: 26px;
    color: var(--gold);
    transition: var(--transition);
}
.service-card:hover .service-icon {
    background: rgba(201,168,76,0.2);
    box-shadow: var(--shadow-gold);
    transform: scale(1.05);
}
.service-glow {
    position: absolute; top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    width: 80px; height: 80px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,168,76,0.3), transparent 70%);
    opacity: 0; transition: var(--transition);
    pointer-events: none;
}
.service-card:hover .service-glow { opacity: 1; }
.service-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 12px; }
.service-card p { color: var(--text); font-size: 0.9rem; margin-bottom: 20px; line-height: 1.7; }
.service-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.service-features li {
    display: flex; align-items: center; gap: 10px;
    font-size: 0.85rem; color: var(--text-dim);
}
.service-features li i { color: var(--gold); font-size: 11px; flex-shrink: 0; }
.service-link {
    display: inline-flex; align-items: center; gap: 8px;
    color: var(--gold);
    font-size: 0.9rem; font-weight: 600;
    transition: var(--transition);
}
.service-link:hover { gap: 14px; color: var(--gold-light); }

/* ======= ABOUT ======= */
.about { background: var(--navy-2); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-img-wrap {
    position: relative;
    border-radius: var(--radius);
    overflow: visible;
}
.about-illustration {
    width: 100%;
    border-radius: var(--radius);
    border: 1px solid var(--navy-border);
    box-shadow: var(--shadow-card);
}
.floating-card {
    position: absolute;
    background: rgba(13,21,37,0.95);
    border: 1px solid var(--navy-border);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-sm);
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 0.85rem;
    box-shadow: var(--shadow-card);
}
.floating-card i { font-size: 24px; }
.floating-card strong { display: block; font-weight: 700; font-size: 0.9rem; }
.floating-card span { color: var(--text-dim); font-size: 12px; }
.card-1 { bottom: -24px; left: -32px; animation: float 4s ease-in-out infinite; }
.card-2 { top: -24px; right: -32px; animation: float 4s ease-in-out infinite 2s; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.about-content { padding-left: 20px; }
.about-content .section-tag { margin-bottom: 16px; }
.about-content .section-title { margin-bottom: 20px; }
.about-lead {
    font-size: 1.1rem;
    color: var(--text);
    margin-bottom: 16px;
    font-weight: 400;
}
.about-body { color: var(--text-dim); font-size: 0.95rem; margin-bottom: 36px; }
.about-values { display: flex; flex-direction: column; gap: 20px; margin-bottom: 36px; }
.value-item {
    display: flex; align-items: flex-start; gap: 18px;
}
.value-icon {
    width: 44px; height: 44px; flex-shrink: 0;
    border-radius: 10px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.2);
    display: flex; align-items: center; justify-content: center;
    font-size: 18px; color: var(--gold);
}
.value-item strong { display: block; font-weight: 700; margin-bottom: 4px; }
.value-item span { color: var(--text-dim); font-size: 0.88rem; }

/* ======= WHY US ======= */
.why-us { background: var(--navy); }
.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.why-card {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--radius);
    padding: 36px 28px;
    position: relative;
    transition: var(--transition);
    overflow: hidden;
}
.why-card:hover {
    transform: translateY(-6px);
    border-color: rgba(201,168,76,0.35);
    box-shadow: var(--shadow-gold);
}
.why-number {
    position: absolute; top: 24px; right: 24px;
    font-size: 3rem; font-weight: 800;
    color: rgba(201,168,76,0.06);
    line-height: 1;
}
.why-icon {
    font-size: 2rem;
    color: var(--gold);
    margin-bottom: 20px;
    display: block;
}
.why-card h4 { font-size: 1.05rem; font-weight: 700; margin-bottom: 12px; }
.why-card p { color: var(--text-dim); font-size: 0.9rem; line-height: 1.7; }

/* ======= PROCESS ======= */
.process { background: var(--navy-2); }
.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    position: relative;
    margin-top: 20px;
}
.process-line {
    position: absolute;
    top: 32px; left: 10%; right: 10%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
    opacity: 0.4;
}
.process-step {
    text-align: center;
    padding: 0 16px;
}
.step-number {
    width: 64px; height: 64px;
    border-radius: 50%;
    background: rgba(201,168,76,0.1);
    border: 2px solid rgba(201,168,76,0.4);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem; font-weight: 800;
    color: var(--gold);
    margin: 0 auto 24px;
    position: relative; z-index: 1;
    transition: var(--transition);
}
.process-step:hover .step-number {
    background: rgba(201,168,76,0.25);
    box-shadow: var(--shadow-gold);
    transform: scale(1.1);
}
.step-content h4 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
.step-content p { color: var(--text-dim); font-size: 0.88rem; line-height: 1.7; }

/* ======= TESTIMONIALS ======= */
.testimonials { background: var(--navy); }
.testimonials-slider { position: relative; overflow: hidden; }
.testimonials-track {
    display: flex;
    gap: 28px;
    transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}
.testimonial-card {
    min-width: calc(33.333% - 19px);
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--radius);
    padding: 36px 32px;
    flex-shrink: 0;
    transition: var(--transition);
}
.testimonial-card:hover { border-color: rgba(201,168,76,0.3); box-shadow: var(--shadow-gold); }
.quote-icon { font-size: 1.8rem; color: var(--gold); opacity: 0.6; margin-bottom: 18px; }
.testi-text { color: var(--text); font-size: 0.95rem; line-height: 1.8; margin-bottom: 28px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
    width: 48px; height: 48px; border-radius: 50%;
    background: linear-gradient(135deg, var(--gold-dark), var(--gold));
    display: flex; align-items: center; justify-content: center;
    font-size: 0.85rem; font-weight: 800; color: var(--navy);
    flex-shrink: 0;
}
.testi-author strong { display: block; font-weight: 700; font-size: 0.95rem; }
.testi-author span { color: var(--text-dim); font-size: 12px; }
.testi-stars { margin-left: auto; color: var(--gold); font-size: 0.85rem; }
.slider-controls {
    display: flex; align-items: center; justify-content: center; gap: 20px;
    margin-top: 40px;
}
.slider-btn {
    width: 46px; height: 46px; border-radius: 50%;
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    color: var(--gold);
    font-size: 0.9rem;
    transition: var(--transition);
    display: flex; align-items: center; justify-content: center;
}
.slider-btn:hover { background: rgba(201,168,76,0.15); border-color: rgba(201,168,76,0.5); }
.slider-dots { display: flex; gap: 8px; }
.dot {
    width: 8px; height: 8px; border-radius: 50%;
    background: var(--text-dim);
    cursor: pointer; transition: var(--transition);
}
.dot.active { background: var(--gold); transform: scale(1.3); }

/* ======= PARTNERS ======= */
.partners { background: var(--navy-2); border-top: 1px solid var(--navy-border); border-bottom: 1px solid var(--navy-border); }
.partners-label { text-align: center; color: var(--text-dim); font-size: 13px; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 32px; }
.partners-logos { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; }
.partner-chip {
    padding: 10px 22px;
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: 30px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-dim);
    transition: var(--transition);
}
.partner-chip:hover { border-color: rgba(201,168,76,0.4); color: var(--gold-light); background: rgba(201,168,76,0.05); }

/* ======= CONTACT ======= */
.contact { background: var(--navy); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.contact-info p { color: var(--text); font-size: 1rem; margin-bottom: 32px; line-height: 1.8; }
.contact-details { display: flex; flex-direction: column; gap: 20px; }
.contact-item {
    display: flex; align-items: center; gap: 18px;
}
.contact-icon {
    width: 50px; height: 50px; flex-shrink: 0;
    border-radius: 12px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.2);
    display: flex; align-items: center; justify-content: center;
    font-size: 20px; color: var(--gold);
}
.contact-item strong { display: block; font-weight: 700; font-size: 0.9rem; margin-bottom: 2px; }
.contact-item span { color: var(--text-dim); font-size: 0.9rem; }
.contact-form-wrap { position: relative; }
.contact-form {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--radius);
    padding: 44px 40px;
}
.contact-form h3 { font-size: 1.4rem; font-weight: 700; margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 20px; }
.form-group label {
    display: block; font-size: 13px; font-weight: 600;
    color: var(--text-dim); margin-bottom: 8px; letter-spacing: 0.3px;
}
.form-group input, .form-group select, .form-group textarea {
    width: 100%;
    background: rgba(255,255,255,0.04);
    border: 1px solid var(--navy-border);
    border-radius: var(--radius-sm);
    padding: 13px 18px;
    font-size: 0.92rem;
    font-family: var(--font-main);
    color: var(--white);
    transition: var(--transition);
    outline: none;
    -webkit-appearance: none;
}
.form-group input::placeholder, .form-group textarea::placeholder { color: var(--text-dim); }
.form-group select { cursor: pointer; }
.form-group select option { background: var(--navy-card); color: var(--white); }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    border-color: rgba(201,168,76,0.5);
    background: rgba(201,168,76,0.04);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.08);
}
.form-disclaimer {
    text-align: center;
    font-size: 12px;
    color: var(--text-dim);
    margin-top: 14px;
    display: flex; align-items: center; justify-content: center; gap: 6px;
}
.form-success {
    display: none;
    text-align: center;
    background: var(--navy-card);
    border: 1px solid rgba(39,174,96,0.3);
    border-radius: var(--radius);
    padding: 60px 40px;
}
.form-success.visible { display: block; }
.success-icon { font-size: 3.5rem; color: var(--green); margin-bottom: 20px; }
.form-success h3 { font-size: 1.5rem; margin-bottom: 12px; }
.form-success p { color: var(--text-dim); font-size: 1rem; }

/* ======= FOOTER ======= */
.footer { background: var(--navy-2); border-top: 1px solid var(--navy-border); }
.footer-top { padding: 80px 0 60px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 60px; }
.footer-brand .nav-logo { margin-bottom: 20px; }
.footer-desc { color: var(--text-dim); font-size: 0.9rem; line-height: 1.8; margin-bottom: 28px; }
.footer-socials { display: flex; gap: 12px; }
.social-btn {
    width: 40px; height: 40px;
    border-radius: 10px;
    background: rgba(201,168,76,0.08);
    border: 1px solid var(--navy-border);
    display: flex; align-items: center; justify-content: center;
    color: var(--text-dim); font-size: 15px;
    transition: var(--transition);
}
.social-btn:hover { background: rgba(201,168,76,0.2); border-color: rgba(201,168,76,0.4); color: var(--gold); transform: translateY(-3px); }
.footer-links-col h5 { font-size: 0.9rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--white); margin-bottom: 20px; }
.footer-links-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links-col a { color: var(--text-dim); font-size: 0.88rem; transition: var(--transition); }
.footer-links-col a:hover { color: var(--gold); padding-left: 4px; }
.footer-bottom {
    border-top: 1px solid var(--navy-border);
    padding: 28px 0;
    text-align: center;
}
.footer-bottom p { color: var(--text-dim); font-size: 12px; line-height: 1.8; }
.footer-disclaimer { margin-top: 6px; font-size: 11px !important; opacity: 0.7; }
.footer-legal { display: flex; justify-content: center; gap: 28px; margin-top: 16px; }
.footer-legal a { color: var(--text-dim); font-size: 12px; transition: var(--transition); }
.footer-legal a:hover { color: var(--gold); }

/* ======= SCROLL TO TOP ======= */
.scroll-top {
    position: fixed;
    bottom: 32px; right: 32px;
    width: 48px; height: 48px;
    border-radius: 50%;
    background: var(--gradient-gold);
    color: var(--navy);
    font-size: 16px;
    z-index: 999;
    box-shadow: 0 4px 20px rgba(201,168,76,0.4);
    transition: var(--transition);
    display: flex; align-items: center; justify-content: center;
    opacity: 0; pointer-events: none;
    transform: translateY(10px);
}
.scroll-top.visible { opacity: 1; pointer-events: all; transform: translateY(0); }
.scroll-top:hover { transform: translateY(-4px); box-shadow: 0 8px 30px rgba(201,168,76,0.6); }

/* ======= ANIMATIONS ======= */
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes fadeInUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeInDown { from { opacity: 0; transform: translateY(-20px); } to { opacity: 1; transform: translateY(0); } }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.revealed { opacity: 1; transform: translateY(0); }

/* ======= RESPONSIVE ======= */
@media (max-width: 1024px) {
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .why-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid { grid-template-columns: 1fr; gap: 50px; }
    .about-content { padding-left: 0; }
    .about-img-wrap { max-width: 500px; margin: 0 auto; }
    .contact-grid { grid-template-columns: 1fr; gap: 50px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
    .footer-brand { grid-column: 1 / -1; }
    .process-steps { grid-template-columns: repeat(2, 1fr); }
    .process-line { display: none; }
    .testimonial-card { min-width: calc(50% - 14px); }
}

@media (max-width: 768px) {
    .nav-links { display: none; flex-direction: column; position: fixed; top: 70px; left: 0; right: 0; background: rgba(10,15,30,0.98); backdrop-filter: blur(20px); padding: 20px; gap: 4px; border-bottom: 1px solid var(--navy-border); z-index: 999; }
    .nav-links.open { display: flex; }
    .mobile-login { display: block !important; }
    .nav-cta { display: none; }
    .hamburger { display: flex; }
    .services-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .hero-stats { gap: 0; padding: 20px; }
    .stat { padding: 16px 20px; }
    .stat-divider { display: none; }
    .contact-form { padding: 32px 24px; }
    .form-row { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .testimonial-card { min-width: calc(100%); }
    .card-1 { bottom: -16px; left: -16px; }
    .card-2 { top: -16px; right: -16px; }
    .process-steps { grid-template-columns: 1fr; }
    .hero-actions { flex-direction: column; align-items: center; }
    .section { padding: 70px 0; }
}

@media (max-width: 480px) {
    .hero-title { font-size: 2.4rem; }
    .hero-stats { flex-direction: column; }
    .stat-divider { width: 80%; height: 1px; }
}

/* ======= MODAL STYLES ======= */
.modal-overlay {
    position: fixed;
    top: 0; left: 0; width: 100%; height: 100%;
    background: rgba(10, 15, 28, 0.85);
    backdrop-filter: blur(5px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}
.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}
.modal-content {
    background: var(--navy-card);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 12px;
    padding: 40px;
    width: 90%;
    max-width: 800px;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    transform: translateY(20px) scale(0.95);
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.5);
}
.modal-overlay.active .modal-content {
    transform: translateY(0) scale(1);
}
.modal-close {
    position: absolute;
    top: 20px;
    right: 20px;
    background: none;
    border: none;
    color: var(--text-dim);
    font-size: 1.5rem;
    cursor: pointer;
    transition: color 0.3s;
}
.modal-close:hover {
    color: var(--gold);
}
.modal-title {
    font-family: var(--font-fancy);
    font-size: 2.2rem;
    color: var(--gold);
    margin-bottom: 10px;
}
.modal-desc {
    color: var(--text-dim);
    margin-bottom: 30px;
}
.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin-bottom: 30px;
}
.loan-type-card {
    background: rgba(20, 30, 53, 0.5);
    padding: 20px;
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.05);
    transition: transform 0.3s, border-color 0.3s;
}
.loan-type-card:hover {
    transform: translateY(-3px);
    border-color: rgba(201, 168, 76, 0.3);
}
.loan-type-card i {
    font-size: 1.5rem;
    margin-bottom: 15px;
}
.loan-type-card h4 {
    font-size: 1.1rem;
    color: var(--text);
    margin-bottom: 8px;
}
.loan-type-card p {
    font-size: 0.9rem;
    color: var(--text-dim);
    line-height: 1.5;
}
.modal-cta {
    display: inline-block;
    text-align: center;
}
@media (max-width: 768px) {
    .modal-content {
        padding: 30px 20px;
    }
}