/* =============================================
   KADANONE.COM — PREMIUM STYLESHEET
   Design: Dark navy + gold accent, glassmorphism
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Outfit:wght@300;400;500;600;700;800&display=swap');

/* ── CSS Variables ───────────────────────────── */
:root {
  --navy-950: #03071e;
  --navy-900: #06103a;
  --navy-800: #0d1b5e;
  --navy-700: #1a2a7a;
  --navy-600: #1e3a8a;
  --gold-500: #f59e0b;
  --gold-400: #fbbf24;
  --gold-300: #fcd34d;
  --gold-200: #fde68a;
  --accent:   #3b82f6;
  --accent-light: #60a5fa;
  --white:    #ffffff;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-700: #334155;
  --green-500: #22c55e;
  --red-500:   #ef4444;

  --font-sans:    'Inter', sans-serif;
  --font-display: 'Outfit', sans-serif;

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;

  --shadow-sm: 0 2px 8px rgba(0,0,0,.25);
  --shadow-md: 0 8px 30px rgba(0,0,0,.35);
  --shadow-lg: 0 20px 60px rgba(0,0,0,.5);
  --shadow-gold: 0 0 30px rgba(245,158,11,.25);

  --transition: 0.3s cubic-bezier(.4,0,.2,1);
}

/* ── Reset ───────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  background: var(--navy-950);
  color: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button, input, textarea, select { font-family: inherit; }

/* ── Scrollbar ───────────────────────────────── */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy-900); }
::-webkit-scrollbar-thumb { background: var(--gold-500); border-radius: 3px; }

/* ── Typography helpers ──────────────────────── */
.font-display { font-family: var(--font-display); }
.text-gold    { color: var(--gold-500); }
.text-center  { text-align: center; }
.fw-700       { font-weight: 700; }
.fw-800       { font-weight: 800; }

/* ── Container ───────────────────────────────── */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Section Utility ─────────────────────────── */
.section {
  padding: 90px 0;
}
.section-sm { padding: 60px 0; }

/* ── Section Heading ─────────────────────────── */
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 14px;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-400);
  max-width: 560px;
  margin: 0 auto 50px;
}
.divider-gold {
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 2px;
  margin: 14px auto 20px;
}

/* ────────────────────────────────────────────── */
/*  NAVBAR                                         */
/* ────────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: background var(--transition), box-shadow var(--transition);
}
.navbar.scrolled {
  background: rgba(6,16,58,.95);
  backdrop-filter: blur(16px);
  box-shadow: 0 4px 30px rgba(0,0,0,.4);
}
.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.navbar-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.navbar-logo .logo-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 1.2rem; color: var(--navy-950);
}
.navbar-logo .logo-text {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
}
.navbar-logo .logo-text span { color: var(--gold-500); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-size: .95rem;
  font-weight: 500;
  color: var(--gray-200);
  transition: color var(--transition), background var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold-500);
  background: rgba(245,158,11,.1);
}
.nav-cta {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-950) !important;
  font-weight: 700 !important;
  border-radius: var(--radius-sm) !important;
  padding: 9px 20px !important;
}
.nav-cta:hover {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300)) !important;
  color: var(--navy-950) !important;
  transform: translateY(-1px);
  box-shadow: var(--shadow-gold);
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 26px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ────────────────────────────────────────────── */
/*  HERO SECTION                                   */
/* ────────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 80px;
  background: radial-gradient(ellipse 80% 60% at 50% 0%, rgba(29,78,216,.3) 0%, transparent 70%),
              radial-gradient(ellipse 50% 50% at 80% 50%, rgba(245,158,11,.08) 0%, transparent 60%),
              var(--navy-950);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%231e3a8a' fill-opacity='0.12'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,158,11,.12);
  border: 1px solid rgba(245,158,11,.3);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gold-400);
  margin-bottom: 20px;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 20px;
}
.hero-title .gradient-text {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-200));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.1rem;
  color: var(--gray-400);
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.hero-stats {
  display: flex;
  gap: 30px;
  margin-top: 50px;
  padding-top: 30px;
  border-top: 1px solid rgba(255,255,255,.08);
}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold-400);
}
.hero-stat-label {
  font-size: .8rem;
  color: var(--gray-400);
  margin-top: 2px;
}

/* Hero visual card */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card {
  background: linear-gradient(135deg, rgba(30,58,138,.6), rgba(6,16,58,.8));
  border: 1px solid rgba(245,158,11,.2);
  border-radius: var(--radius-xl);
  padding: 40px;
  width: 100%;
  max-width: 380px;
  backdrop-filter: blur(20px);
  box-shadow: var(--shadow-lg), var(--shadow-gold);
  position: relative;
  overflow: hidden;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: -50%; right: -30%;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(245,158,11,.15), transparent);
  pointer-events: none;
}
.loan-calc-title {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 24px;
  color: var(--gold-400);
}
.calc-field { margin-bottom: 20px; }
.calc-field label {
  display: block;
  font-size: .8rem;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 8px;
}
.calc-field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  border-radius: 3px;
  background: rgba(255,255,255,.1);
  outline: none;
  cursor: pointer;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  cursor: pointer;
  box-shadow: 0 0 10px rgba(245,158,11,.4);
}
.calc-display {
  text-align: right;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin-top: 6px;
}
.calc-result {
  background: rgba(245,158,11,.1);
  border: 1px solid rgba(245,158,11,.25);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-top: 20px;
  text-align: center;
}
.calc-result .monthly {
  font-size: 2rem;
  font-weight: 800;
  font-family: var(--font-display);
  color: var(--gold-400);
}
.calc-result .monthly-label {
  font-size: .8rem;
  color: var(--gray-400);
  margin-top: 4px;
}

/* ────────────────────────────────────────────── */
/*  BUTTONS                                        */
/* ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-md);
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-950);
  box-shadow: 0 4px 20px rgba(245,158,11,.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(245,158,11,.45);
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300));
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.25);
}
.btn-outline:hover {
  border-color: var(--gold-500);
  color: var(--gold-500);
  background: rgba(245,158,11,.06);
  transform: translateY(-2px);
}
.btn-ghost {
  background: rgba(255,255,255,.06);
  color: var(--white);
  border: 1px solid rgba(255,255,255,.12);
}
.btn-ghost:hover {
  background: rgba(255,255,255,.12);
  transform: translateY(-2px);
}
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 9px 18px; font-size: .85rem; }

/* ────────────────────────────────────────────── */
/*  FEATURE / INFO CARDS                           */
/* ────────────────────────────────────────────── */
.card {
  background: linear-gradient(135deg, rgba(13,27,94,.5), rgba(6,16,58,.7));
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(245,158,11,.3);
}
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(245,158,11,.2), rgba(245,158,11,.05));
  border: 1px solid rgba(245,158,11,.25);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
}
.card-title {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--white);
}
.card-text { color: var(--gray-400); font-size: .92rem; line-height: 1.65; }

/* ────────────────────────────────────────────── */
/*  GRID LAYOUTS                                   */
/* ────────────────────────────────────────────── */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ────────────────────────────────────────────── */
/*  BANNER / CTA STRIP                             */
/* ────────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-top: 1px solid rgba(245,158,11,.2);
  border-bottom: 1px solid rgba(245,158,11,.2);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -80px; left: 50%;
  transform: translateX(-50%);
  width: 500px; height: 200px;
  background: radial-gradient(ellipse, rgba(245,158,11,.15), transparent 70%);
  pointer-events: none;
}
.cta-banner h2 { margin-bottom: 14px; }
.cta-banner p  { color: var(--gray-400); margin-bottom: 30px; max-width: 500px; margin-left: auto; margin-right: auto; }

/* ────────────────────────────────────────────── */
/*  STEP PROCESS                                   */
/* ────────────────────────────────────────────── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; position: relative; }
.steps-grid::before {
  content: '';
  position: absolute;
  top: 30px; left: 12%;
  width: 76%; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-500), transparent);
  pointer-events: none;
  z-index: 0;
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  box-shadow: 0 0 20px rgba(245,158,11,.35);
}
.step-item h4 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.step-item p { font-size: .86rem; color: var(--gray-400); }

/* ────────────────────────────────────────────── */
/*  ACCORDION / FAQ                                */
/* ────────────────────────────────────────────── */
.accordion-item {
  background: rgba(13,27,94,.4);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color var(--transition);
}
.accordion-item.open { border-color: rgba(245,158,11,.3); }
.accordion-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: .98rem;
  user-select: none;
  transition: color var(--transition);
}
.accordion-header:hover { color: var(--gold-400); }
.accordion-item.open .accordion-header { color: var(--gold-400); }
.accordion-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(245,158,11,.1);
  border: 1px solid rgba(245,158,11,.25);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
  transition: transform var(--transition), background var(--transition);
}
.accordion-item.open .accordion-icon {
  transform: rotate(45deg);
  background: rgba(245,158,11,.25);
}
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s cubic-bezier(.4,0,.2,1), padding .3s;
  padding: 0 24px;
}
.accordion-item.open .accordion-body {
  max-height: 400px;
  padding: 0 24px 20px;
}
.accordion-body p { color: var(--gray-400); font-size: .92rem; line-height: 1.7; }

/* ────────────────────────────────────────────── */
/*  TABLE                                          */
/* ────────────────────────────────────────────── */
.table-wrap {
  background: rgba(13,27,94,.4);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
table { width: 100%; border-collapse: collapse; }
thead { background: rgba(245,158,11,.1); }
thead th {
  padding: 16px 20px;
  text-align: left;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--gold-400);
  font-weight: 700;
}
tbody tr { border-top: 1px solid rgba(255,255,255,.05); }
tbody tr:hover { background: rgba(255,255,255,.03); }
tbody td {
  padding: 14px 20px;
  font-size: .92rem;
  color: var(--gray-200);
}
tbody td:first-child { font-weight: 600; color: var(--white); }

/* ────────────────────────────────────────────── */
/*  FORMS                                          */
/* ────────────────────────────────────────────── */
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-bottom: 8px;
}
.form-control {
  width: 100%;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-sm);
  padding: 13px 16px;
  color: var(--white);
  font-size: .95rem;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(245,158,11,.15);
  background: rgba(255,255,255,.08);
}
.form-control::placeholder { color: var(--gray-500); }
textarea.form-control { resize: vertical; min-height: 130px; }
.form-error { font-size: .82rem; color: var(--red-500); margin-top: 5px; display: block; }

/* ────────────────────────────────────────────── */
/*  ALERT / FLASH MESSAGES                         */
/* ────────────────────────────────────────────── */
.alert {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 20px;
  border-radius: var(--radius-md);
  margin-bottom: 24px;
  font-size: .93rem;
}
.alert-success {
  background: rgba(34,197,94,.1);
  border: 1px solid rgba(34,197,94,.3);
  color: #4ade80;
}
.alert-error {
  background: rgba(239,68,68,.1);
  border: 1px solid rgba(239,68,68,.3);
  color: #f87171;
}

/* ────────────────────────────────────────────── */
/*  BADGE / PILL                                   */
/* ────────────────────────────────────────────── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
}
.badge-gold {
  background: rgba(245,158,11,.15);
  border: 1px solid rgba(245,158,11,.35);
  color: var(--gold-400);
}
.badge-blue {
  background: rgba(59,130,246,.15);
  border: 1px solid rgba(59,130,246,.35);
  color: var(--accent-light);
}
.badge-green {
  background: rgba(34,197,94,.12);
  border: 1px solid rgba(34,197,94,.3);
  color: #4ade80;
}

/* ────────────────────────────────────────────── */
/*  LOAN PRODUCT CARD                              */
/* ────────────────────────────────────────────── */
.loan-card {
  background: linear-gradient(145deg, rgba(13,27,94,.6), rgba(6,16,58,.8));
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-md), 0 0 40px rgba(245,158,11,.12);
  border-color: rgba(245,158,11,.3);
}
.loan-card-header {
  background: linear-gradient(135deg, var(--navy-700), var(--navy-800));
  padding: 28px;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.loan-card-body { padding: 28px; }
.loan-amount {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold-400);
}
.loan-label { font-size: .82rem; color: var(--gray-400); margin-top: 2px; }
.loan-features {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}
.loan-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .9rem;
  color: var(--gray-200);
}
.loan-feature::before {
  content: '✓';
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(34,197,94,.15);
  border: 1px solid rgba(34,197,94,.3);
  color: #4ade80;
  font-size: .75rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

/* ────────────────────────────────────────────── */
/*  PAGE HERO (inner pages)                        */
/* ────────────────────────────────────────────── */
.page-hero {
  padding: 140px 0 80px;
  background: radial-gradient(ellipse 80% 50% at 50% 0%, rgba(29,78,216,.25) 0%, transparent 70%),
              var(--navy-950);
  text-align: center;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.page-hero-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 900;
  margin-bottom: 14px;
}
.page-hero-subtitle { color: var(--gray-400); font-size: 1.05rem; max-width: 550px; margin: 0 auto; }

/* Breadcrumb */
.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .85rem;
  color: var(--gray-500);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--gold-400); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { color: var(--gray-700); }

/* ────────────────────────────────────────────── */
/*  BLOG CARD                                      */
/* ────────────────────────────────────────────── */
.blog-card {
  background: rgba(13,27,94,.4);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform var(--transition), border-color var(--transition);
}
.blog-card:hover {
  transform: translateY(-5px);
  border-color: rgba(245,158,11,.25);
}
.blog-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-800));
  display: flex; align-items: center; justify-content: center;
  font-size: 3rem;
}
.blog-card-body { padding: 24px; }
.blog-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .8rem;
  color: var(--gray-500);
  margin-bottom: 12px;
}
.blog-card-title {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1.3;
}
.blog-card-title:hover { color: var(--gold-400); }
.blog-card-text { font-size: .88rem; color: var(--gray-400); line-height: 1.65; }

/* ────────────────────────────────────────────── */
/*  TESTIMONIALS                                   */
/* ────────────────────────────────────────────── */
.testimonial-card {
  background: rgba(13,27,94,.5);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  padding: 30px;
}
.testimonial-stars { color: var(--gold-500); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { color: var(--gray-300); font-size: .93rem; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .9rem; color: var(--navy-950);
}
.author-name { font-weight: 600; font-size: .92rem; }
.author-role { font-size: .8rem; color: var(--gray-500); }

/* ────────────────────────────────────────────── */
/*  HIGHLIGHT BOX                                  */
/* ────────────────────────────────────────────── */
.highlight-box {
  background: linear-gradient(135deg, rgba(245,158,11,.1), rgba(245,158,11,.03));
  border: 1px solid rgba(245,158,11,.2);
  border-radius: var(--radius-lg);
  padding: 30px;
}
.info-box {
  background: rgba(59,130,246,.08);
  border: 1px solid rgba(59,130,246,.2);
  border-radius: var(--radius-md);
  padding: 20px 24px;
}
.info-box p { color: var(--gray-300); font-size: .9rem; line-height: 1.7; }

/* ────────────────────────────────────────────── */
/*  CONTACT INFO ITEM                              */
/* ────────────────────────────────────────────── */
.contact-info-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  margin-bottom: 28px;
}
.contact-icon {
  width: 50px; height: 50px;
  border-radius: var(--radius-md);
  background: rgba(245,158,11,.1);
  border: 1px solid rgba(245,158,11,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-label { font-size: .8rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 4px; }
.contact-value { font-size: 1rem; font-weight: 600; }

/* ────────────────────────────────────────────── */
/*  FOOTER                                         */
/* ────────────────────────────────────────────── */
.footer {
  background: var(--navy-900);
  border-top: 1px solid rgba(255,255,255,.06);
  padding-top: 70px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 50px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.footer-brand p { color: var(--gray-400); font-size: .9rem; line-height: 1.7; margin: 16px 0 24px; max-width: 280px; }
.footer-col h5 {
  font-family: var(--font-display);
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 18px;
  color: var(--white);
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: .88rem;
  color: var(--gray-400);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--gold-400); }
.footer-socials {
  display: flex;
  gap: 10px;
}
.social-link {
  width: 38px; height: 38px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
  transition: background var(--transition), border-color var(--transition);
}
.social-link:hover {
  background: rgba(245,158,11,.2);
  border-color: rgba(245,158,11,.4);
}
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
}
.footer-bottom p { font-size: .85rem; color: var(--gray-500); }
.footer-bottom-links {
  display: flex;
  gap: 20px;
}
.footer-bottom-links a {
  font-size: .82rem;
  color: var(--gray-500);
  transition: color var(--transition);
}
.footer-bottom-links a:hover { color: var(--gold-400); }

/* ────────────────────────────────────────────── */
/*  ANIMATIONS                                     */
/* ────────────────────────────────────────────── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-12px); }
}
@keyframes pulse-gold {
  0%, 100% { box-shadow: 0 0 20px rgba(245,158,11,.3); }
  50%       { box-shadow: 0 0 40px rgba(245,158,11,.6); }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position:  200% center; }
}
.animate-fade-up   { animation: fadeInUp .6s ease both; }
.animate-float     { animation: float 4s ease-in-out infinite; }
.animate-pulse-gold{ animation: pulse-gold 2s ease-in-out infinite; }

/* ────────────────────────────────────────────── */
/*  RESPONSIVE                                     */
/* ────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
}

@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .nav-links { display: none; position: fixed; top: 72px; left: 0; right: 0; background: rgba(6,16,58,.98); backdrop-filter: blur(20px); flex-direction: column; padding: 20px; gap: 4px; border-bottom: 1px solid rgba(255,255,255,.08); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .section-title { font-size: 1.7rem; }
  .btn-lg { padding: 13px 24px; font-size: .95rem; }
}

/* ── Utility ─────────────────────────────────── */
.mt-auto { margin-top: auto; }
.hidden  { display: none !important; }
.w-full  { width: 100%; }
.flex    { display: flex; }
.items-center { align-items: center; }
.gap-2   { gap: 8px; }
.gap-4   { gap: 16px; }
.mb-4    { margin-bottom: 16px; }
.mb-6    { margin-bottom: 24px; }
.mb-8    { margin-bottom: 32px; }
.relative{ position: relative; }
.overflow-hidden { overflow: hidden; }

/* ── Footer Link Categories ── */
.footer-links-sections {
  margin-top: 40px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-links-row {
  margin-bottom: 24px;
}
.footer-links-row h6 {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold-400);
  margin-bottom: 10px;
}
.links-wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
}
.links-wrap a {
  font-size: 0.82rem;
  color: var(--gray-400);
  transition: color var(--transition);
}
.links-wrap a:hover {
  color: var(--gold-500);
}

/* ── Cookie Consent Banner ── */
.cookie-banner {
  position: fixed;
  bottom: -150px;
  left: 0; right: 0;
  background: rgba(6, 16, 58, 0.95);
  backdrop-filter: blur(16px);
  border-top: 1px solid rgba(245, 158, 11, 0.3);
  box-shadow: 0 -4px 30px rgba(0, 0, 0, 0.5);
  z-index: 9999;
  padding: 20px 0;
  transition: bottom 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}
.cookie-banner.show {
  bottom: 0;
}
.cookie-content {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.cookie-content p {
  font-size: 0.88rem;
  color: var(--gray-200);
  margin: 0;
}
.cookie-content p a {
  color: var(--gold-400);
  text-decoration: underline;
}
.cookie-content p a:hover {
  color: var(--gold-500);
}
.cookie-actions {
  display: flex;
  gap: 12px;
}
.cookie-btn {
  padding: 8px 20px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
}
.cookie-btn-accept {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-950);
}
.cookie-btn-accept:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-gold);
}
.cookie-btn-decline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.2);
}
.cookie-btn-decline:hover {
  border-color: var(--red-500);
  color: var(--red-500);
}
@media (max-width: 768px) {
  .cookie-content {
    flex-direction: column;
    text-align: center;
    gap: 16px;
  }
  .cookie-actions {
    width: 100%;
    justify-content: center;
  }
}