/* ==========================================================================
   CSS VARIABLES & RESET
   ========================================================================== */
:root {
    --navy: #0A192F;
    --navy-light: #112240;
    --royal: #0d2a54;
    --gold: #D4AF37;
    --gold-hover: #e0be4e;
    --white: #ffffff;
    --bg-light: #f8f9fa;
    --text-main: #333333;
    --text-muted: #666666;
    
    --glass-bg: rgba(255, 255, 255, 0.7);
    --glass-border: rgba(255, 255, 255, 0.4);
    --glass-shadow: 0 8px 32px 0 rgba(10, 25, 47, 0.1);
    
    --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Inter', sans-serif;
    background-color: var(--bg-light);
    color: var(--text-main);
    line-height: 1.6;
    overflow-x: hidden;
}

/* ==========================================================================
   TYPOGRAPHY & UTILITIES
   ========================================================================== */
h1, h2, h3, h4 { font-weight: 700; color: var(--navy); line-height: 1.2; }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.mt-2 { margin-top: 1rem; }
.mt-4 { margin-top: 2rem; }

/* Loader */
#loader { position: fixed; inset: 0; background: var(--navy); z-index: 9999; display: flex; align-items: center; justify-content: center; transition: opacity 0.5s ease; }
.loader-content { text-align: center; }
.progress-bar { width: 200px; height: 4px; background: rgba(255,255,255,0.1); border-radius: 4px; overflow: hidden; margin-top: 20px; }
.progress { width: 0%; height: 100%; background: var(--gold); animation: load 1.5s ease forwards; }
@keyframes load { to { width: 100%; } }

/* Scroll Progress */
.scroll-progress-container { position: fixed; top: 0; left: 0; width: 100%; height: 4px; z-index: 1001; background: transparent; }
.scroll-progress-bar { height: 100%; background: var(--gold); width: 0%; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 14px 28px; border-radius: 8px; font-weight: 600; text-decoration: none; transition: var(--transition); cursor: pointer; border: none; font-size: 1rem; }
.btn-primary { background: var(--gold); color: var(--white); box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3); }
.btn-primary:hover { background: var(--gold-hover); transform: translateY(-3px); box-shadow: 0 8px 25px rgba(212, 175, 55, 0.5); }
.btn-outline { border: 2px solid var(--white); color: var(--white); background: transparent; backdrop-filter: blur(5px); }
.btn-outline:hover { background: var(--white); color: var(--navy); }
.btn-block { width: 100%; }

/* Floating WA */
.floating-btn { position: fixed; bottom: 30px; right: 30px; width: 60px; height: 60px; background: #25D366; color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; z-index: 900; box-shadow: 0 10px 20px rgba(37, 211, 102, 0.4); transition: var(--transition); }
.floating-btn:hover { transform: translateY(-5px) scale(1.1); }

/* Glassmorphism */
.glass-card { background: var(--glass-bg); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border: 1px solid var(--glass-border); box-shadow: var(--glass-shadow); border-radius: 16px; }

/* ==========================================================================
   NAVIGATION
   ========================================================================== */
.navbar { position: fixed; top: 0; width: 100%; z-index: 1000; padding: 20px 0; transition: var(--transition); background: transparent; }
.navbar.scrolled { background: rgba(255, 255, 255, 0.95); backdrop-filter: blur(10px); padding: 15px 0; box-shadow: 0 4px 20px rgba(0,0,0,0.05); }
.navbar.scrolled .logo-text, .navbar.scrolled .nav-menu a, .navbar.scrolled .phone-link { color: var(--navy); }
.navbar.scrolled .hamburger span { background: var(--navy); }

.nav-container { display: flex; justify-content: space-between; align-items: center; }
.logo { display: flex; align-items: center; text-decoration: none; gap: 10px; }
.logo-icon { width: 30px; height: 30px; background: var(--gold); border-radius: 4px; display: inline-block; position: relative; }
.logo-icon::after { content: ''; position: absolute; width: 15px; height: 15px; background: var(--navy); bottom: 0; right: 0; border-top-left-radius: 4px; }
.logo-text { font-size: 1.4rem; font-weight: 800; color: var(--white); letter-spacing: 1px; transition: color 0.3s; }
.logo-text span { font-weight: 300; }

.nav-menu ul { list-style: none; display: flex; gap: 30px; }
.nav-menu a { text-decoration: none; color: var(--white); font-weight: 500; font-size: 0.95rem; transition: color 0.3s; }
.nav-menu a:hover { color: var(--gold); }

.nav-actions { display: flex; align-items: center; gap: 20px; }
.phone-link { color: var(--white); font-weight: 600; text-decoration: none; transition: color 0.3s; }

.hamburger { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; }
.hamburger span { width: 25px; height: 3px; background: var(--white); transition: 0.3s; border-radius: 2px; }

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero { position: relative; min-height: 100vh; display: flex; align-items: center; background: linear-gradient(135deg, var(--navy), var(--royal)); color: var(--white); overflow: hidden; padding-top: 80px; }
.hero-bg { position: absolute; inset: 0; overflow: hidden; z-index: 0; }
.blob { position: absolute; filter: blur(80px); opacity: 0.5; border-radius: 50%; animation: float 10s infinite alternate; }
.blob-1 { width: 400px; height: 400px; background: rgba(212, 175, 55, 0.2); top: -100px; right: -100px; }
.blob-2 { width: 300px; height: 300px; background: rgba(17, 34, 64, 0.8); bottom: -50px; left: -100px; animation-delay: -5s; }

.hero-content { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }
.trust-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.1); padding: 8px 16px; border-radius: 50px; font-size: 0.9rem; font-weight: 500; margin-bottom: 24px; backdrop-filter: blur(4px); border: 1px solid rgba(255,255,255,0.05); }
.dot { width: 8px; height: 8px; background: var(--gold); border-radius: 50%; box-shadow: 0 0 10px var(--gold); }
.hero h1 { font-size: 4rem; margin-bottom: 20px; color: var(--white); }
.hero p { font-size: 1.2rem; color: #cbd5e1; margin-bottom: 40px; max-width: 600px; margin-inline: auto; }
.hero-cta { display: flex; gap: 20px; justify-content: center; margin-bottom: 60px; }

.hero-stats { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; background: rgba(255,255,255,0.05); padding: 30px; border-radius: 20px; backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.1); }
.stat-item h3 { font-size: 2.5rem; color: var(--gold); display: inline; }
.stat-item span { font-size: 2rem; color: var(--gold); font-weight: 700; }
.stat-item p { color: #e2e8f0; font-size: 0.9rem; margin-top: 5px; text-transform: uppercase; letter-spacing: 1px; }

/* ==========================================================================
   WHY CHOOSE US
   ========================================================================== */
.why-choose { padding: 100px 0; background: var(--white); }
.section-header { text-align: center; margin-bottom: 60px; max-width: 600px; margin-inline: auto; }
.section-header h2 { font-size: 2.5rem; margin-bottom: 15px; }

.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }
.feature-card { background: var(--bg-light); padding: 40px 30px; border-radius: 16px; border: 1px solid #eaeaea; transition: var(--transition); }
.feature-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-premium); border-color: var(--gold); }
.icon-box { width: 60px; height: 60px; background: rgba(212, 175, 55, 0.1); color: var(--navy); font-size: 24px; display: flex; align-items: center; justify-content: center; border-radius: 12px; margin-bottom: 20px; }
.feature-card h3 { margin-bottom: 10px; font-size: 1.2rem; }
.feature-card p { color: var(--text-muted); font-size: 0.95rem; }

/* ==========================================================================
   SERVICES SHOWCASE
   ========================================================================== */
.services { padding: 100px 0; background: linear-gradient(to bottom, #f4f7f6, #ffffff); position: relative; }
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(350px, 1fr)); gap: 30px; }
.service-card { padding: 40px; text-align: left; transition: var(--transition); cursor: pointer; overflow: hidden; position: relative; }
.service-card::before { content: ''; position: absolute; top: 0; left: 0; width: 4px; height: 0; background: var(--gold); transition: var(--transition); }
.service-card:hover::before { height: 100%; }
.s-icon { font-size: 2.5rem; margin-bottom: 20px; display: inline-block; }
.service-card h3 { margin-bottom: 15px; font-size: 1.4rem; }

/* ==========================================================================
   BUSINESS LOAN SPECIAL
   ========================================================================== */
.business-loan { padding: 100px 0; background: var(--navy); color: var(--white); overflow: hidden; }
.bl-container { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.bl-content h2 { color: var(--white); font-size: 3rem; margin-bottom: 20px; }
.bl-content p { color: #cbd5e1; font-size: 1.1rem; margin-bottom: 30px; }
.bl-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-bottom: 20px; }
.bl-list li { font-weight: 500; font-size: 1.05rem; }

.bl-image { position: relative; }
.bl-image .glass-panel { padding: 40px; background: rgba(255,255,255,0.05); backdrop-filter: blur(20px); border-radius: 24px; border: 1px solid rgba(255,255,255,0.1); }
.bl-image h3 { color: var(--white); margin-bottom: 30px; font-size: 1.5rem; }
.micro-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.m-card { background: rgba(255,255,255,0.1); padding: 20px; border-radius: 12px; font-weight: 500; display: flex; align-items: center; gap: 10px; transition: 0.3s; }
.m-card:hover { background: var(--gold); color: var(--navy); transform: scale(1.05); }

/* ==========================================================================
   PROCESS TIMELINE
   ========================================================================== */
.process { padding: 100px 0; background: var(--white); }
.timeline { display: flex; flex-direction: column; gap: 30px; max-width: 800px; margin: 0 auto; position: relative; }
.timeline::before { content: ''; position: absolute; left: 24px; top: 0; bottom: 0; width: 2px; background: #eaeaea; }
.timeline-item { display: flex; gap: 30px; position: relative; }
.t-dot { width: 50px; height: 50px; background: var(--white); border: 2px solid var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; color: var(--navy); font-size: 1.2rem; z-index: 1; flex-shrink: 0; }
.t-content { background: var(--bg-light); padding: 30px; border-radius: 16px; flex-grow: 1; box-shadow: 0 5px 15px rgba(0,0,0,0.02); }
.t-content h3 { margin-bottom: 10px; }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-section { padding: 100px 0; background: var(--bg-light); }
.faq-container { max-width: 800px; margin: 0 auto; }
.accordion-item { background: var(--white); margin-bottom: 15px; border-radius: 10px; overflow: hidden; box-shadow: 0 4px 6px rgba(0,0,0,0.02); }
.accordion-header { width: 100%; padding: 20px 25px; text-align: left; background: transparent; border: none; font-size: 1.1rem; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.accordion-content { padding: 0 25px; max-height: 0; overflow: hidden; transition: max-height 0.3s ease-out; color: var(--text-muted); }
.accordion-content p { padding-bottom: 20px; }
.accordion-item.active .accordion-content { max-height: 200px; }
.accordion-item.active .icon { transform: rotate(45deg); color: var(--gold); }
.icon { transition: 0.3s; font-size: 1.5rem; }

/* ==========================================================================
   LEAD GEN FORM
   ========================================================================== */
.lead-gen { padding: 100px 0; background: linear-gradient(135deg, var(--navy-light), var(--navy)); position: relative; overflow: hidden; }
.form-container { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: center; }
.form-text h2 { color: var(--white); font-size: 3rem; margin-bottom: 20px; }
.form-text p { color: #cbd5e1; font-size: 1.1rem; }
.consultant-card { display: flex; align-items: center; gap: 20px; padding: 20px; border-radius: 16px; background: rgba(255,255,255,0.05); }
.c-avatar { width: 60px; height: 60px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; color: var(--white); font-size: 1.2rem; }
.c-info h4 { color: var(--white); margin: 0; }
.c-info p { color: var(--gold); margin: 0; font-size: 0.9rem; }

.form-wrapper { padding: 40px; }
.form-wrapper h3 { color: var(--navy); margin-bottom: 30px; font-size: 1.8rem; }
.input-group { position: relative; margin-bottom: 25px; width: 100%; }
.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.input-group input, .input-group select, .input-group textarea { width: 100%; padding: 15px 15px 15px 15px; border: 1px solid rgba(0,0,0,0.1); border-radius: 8px; font-family: inherit; font-size: 1rem; background: rgba(255,255,255,0.9); outline: none; transition: border-color 0.3s; }
.input-group input:focus, .input-group select:focus, .input-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.1); }
.input-group label { position: absolute; left: 15px; top: 15px; color: #999; transition: 0.2s ease all; pointer-events: none; }
/* Floating Label Logic */
.input-group input:focus ~ label, .input-group input:not(:placeholder-shown) ~ label,
.input-group textarea:focus ~ label, .input-group textarea:not(:placeholder-shown) ~ label { top: -10px; left: 10px; font-size: 0.8rem; background: var(--white); padding: 0 5px; color: var(--navy); border-radius: 4px; }
.checkbox-group { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 25px; }
.checkbox-group label { font-size: 0.9rem; color: var(--text-main); }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer { background: var(--navy); color: #cbd5e1; padding: 80px 0 20px; border-top: 1px solid rgba(255,255,255,0.05); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1.5fr 1.5fr; gap: 50px; margin-bottom: 60px; }
.f-links ul { list-style: none; }
.f-links a { color: #cbd5e1; text-decoration: none; transition: 0.3s; display: block; margin-bottom: 10px; }
.f-links a:hover { color: var(--gold); padding-left: 5px; }
.footer h4 { color: var(--white); margin-bottom: 20px; font-size: 1.2rem; }
.f-contact p, .f-address p { margin-bottom: 10px; display: flex; align-items: flex-start; gap: 10px; }
.f-bottom { text-align: center; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.9rem; }

/* ==========================================================================
   ANIMATIONS & RESPONSIVE
   ========================================================================== */
.animate-up { opacity: 0; transform: translateY(40px); transition: 1s cubic-bezier(0.16, 1, 0.3, 1); }
.animate-left { opacity: 0; transform: translateX(-40px); transition: 1s cubic-bezier(0.16, 1, 0.3, 1); }
.animate-right { opacity: 0; transform: translateX(40px); transition: 1s cubic-bezier(0.16, 1, 0.3, 1); }
.in-view { opacity: 1; transform: translate(0); }

.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

@keyframes float { 0% { transform: translate(0, 0) scale(1); } 100% { transform: translate(30px, 30px) scale(1.1); } }

/* Media Queries */
@media (max-width: 1024px) {
    .hero h1 { font-size: 3rem; }
    .bl-container, .form-container { grid-template-columns: 1fr; gap: 40px; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .nav-actions .btn, .phone-link { display: none; }
    .hamburger { display: flex; }
    .nav-menu { position: fixed; top: 0; right: -100%; width: 250px; height: 100vh; background: var(--navy); padding: 80px 30px; transition: 0.4s; }
    .nav-menu.active { right: 0; box-shadow: -10px 0 30px rgba(0,0,0,0.5); }
    .nav-menu ul { flex-direction: column; }
    .hero { padding-top: 120px; }
    .hero h1 { font-size: 2.5rem; }
    .hero-stats { flex-direction: column; gap: 20px; }
    .input-row { grid-template-columns: 1fr; gap: 0; }
    .footer-grid { grid-template-columns: 1fr; }
}