:root{
  --bg:#fbfaf7; --fg:#0b1736; --muted:#5e6781; --card:#ffffff; --border:#e7e4dc;
  --navy:#0b1736; --navy-deep:#0a132e; --royal:#2a3fbd; --gold:#e6b94a; --gold-soft:#f7d98a;
  --porcelain:#f4f1ea; --radius:16px;
  --font-display:"Fraunces",Georgia,serif; --font-sans:"Inter Tight",system-ui,sans-serif;
}
[hidden] {
  display: none !important;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:var(--font-sans);color:var(--fg);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:0;background:none}
ul{list-style:none;padding:0;margin:0}

.container{
  max-width:1280px;
  margin:0 auto;
  padding:0 1.5rem;
}
.display{font-family:var(--font-display);font-weight:600;letter-spacing:-.01em}
.h1{font-size:clamp(2.2rem,4.6vw,3.6rem);line-height:1.05;margin:1.25rem 0 0}
.h2{font-size:clamp(1.8rem,3.2vw,2.5rem);line-height:1.15;margin:.6rem 0 0}
.h3{font-size:1.25rem;margin:1rem 0 .25rem}
.lg{font-size:1.5rem}
.xl{font-size:clamp(2.4rem,5vw,3rem)}
.block{display:block;color:#fff}
.muted{color:var(--muted); font-size:.98rem}
.muted-light{color:rgba(255,255,255,.72);margin:1rem 0 0;font-size:.98rem}
.micro{font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.eyebrow{font-size:.7rem;font-weight:600;letter-spacing:.25em;text-transform:uppercase;color:var(--royal)}
.eyebrow-gold{color:var(--gold)}
.eyebrow-light{display:inline-flex;align-items:center;gap:.5rem;color:var(--gold-soft);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.15);border-radius:999px;padding:.25rem .75rem}
.dot{width:6px;height:6px;border-radius:999px;background:var(--gold);display:inline-block}
.white{color:#fff}
.bold{font-weight:600}
.center{text-align:center}
.narrow{margin-right:auto}
.row-between{display:flex;justify-content:space-between;align-items:flex-end;gap:1.5rem;flex-wrap:wrap}
.mt-md{margin-top:1.5rem}.mt-lg{margin-top:3rem}
.ta-right{text-align:right}
.section{padding:6rem 1.25rem}
.gradient-hero{background:linear-gradient(135deg,#0a132e 0%,#142055 55%,#2a3fbd 100%);color:#fff}
.band-light{background:var(--porcelain);padding:6rem 0}
.dark-band{background:var(--navy-deep);color:#fff;padding:6rem 0}
.dark-band .eyebrow{color:var(--gold)}

/* NAV */
.nav{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.86);backdrop-filter:blur(10px);border-bottom:1px solid rgba(231,228,220,.7)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:1rem}
.logo{display:flex;align-items:center;gap:.6rem}
.logo-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--navy-deep);color:var(--gold);font-family:var(--font-display);font-weight:700}
.logo-text{font-family:var(--font-display);font-weight:600;font-size:1.05rem}
.logo-accent{color:var(--royal)}
.nav-links{display:none;gap:1.75rem}
.nav-links a{font-size:.92rem;font-weight:500;color:rgba(11,23,54,.8)}
.nav-links a:hover{color:var(--fg)}
.nav-cta{display:flex;align-items:center;gap:.5rem}
.nav-toggle{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:8px;font-size:1.25rem}
@media(min-width:1024px){.nav-links{display:flex}.nav-toggle{display:none}}
@media(max-width:640px){.nav-cta .btn{display:none}}
.nav-mobile{display:none;border-top:1px solid var(--border);background:var(--bg)}
.nav-mobile.open{display:block}
.nav-mobile .container{display:flex;flex-direction:column;gap:.25rem;padding:.75rem 1.25rem 1rem}
.nav-mobile a{padding:.65rem .75rem;border-radius:8px;color:rgba(11,23,54,.85);font-weight:500}
.nav-mobile a:hover{background:#efece3}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.85rem 1.4rem;border-radius:999px;font-size:.9rem;font-weight:600;transition:filter .15s,transform .15s,background .15s}
.btn-gold{background:var(--gold);color:var(--navy-deep);box-shadow:0 12px 30px -12px rgba(230,185,74,.7)}
.btn-gold:hover{filter:brightness(1.05)}
.btn-ghost{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.2);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.full{width:100%}

/* HERO */

.hero{
  background:linear-gradient(135deg,#0a132e 0%,#142055 55%,#2a3fbd 100%);
  color:#fff;
  padding:7rem 0;
}

.hero-grid{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:4rem;
  align-items:center;
}

.hero-content{
  max-width:650px;
}

.hero-title{
  font-family:var(--font-display);
  font-size:clamp(3rem,5vw,5rem);
  line-height:1.05;
  margin:1rem 0;
}

.hero-title span{
  display:block;
  color:var(--gold);
}

.hero-desc{
  font-size:1.08rem;
  line-height:1.8;
  color:rgba(255,255,255,.82);
  margin:1.5rem 0 2rem;
}

.hero-buttons{
  display:flex;
  gap:1rem;
  flex-wrap:wrap;
}

.hero-outline{
  border:1px solid rgba(255,255,255,.2);
  color:#fff;
  background:transparent;
}

.hero-outline:hover{
  background:rgba(255,255,255,.08);
}

.hero-features{
  display:flex;
  gap:3rem;
  margin-top:3rem;
}

.hero-features div{
  display:flex;
  flex-direction:column;
}

.hero-features strong{
  font-family:var(--font-display);
  font-size:1.6rem;
  color:var(--gold);
}

.hero-features span{
  color:rgba(255,255,255,.75);
  font-size:.9rem;
}

.hero-image{
  position:relative;
}

.hero-image img{
  width:100%;
  height:620px;
  object-fit:cover;
  object-position:center;
  border-radius:28px;
  box-shadow:0 30px 70px -30px rgba(0,0,0,.4);
}

.hero-card{
  position:absolute;
  left:20px;
  right:20px;
  bottom:20px;
  background:rgba(11,23,54,.88);
  backdrop-filter:blur(10px);
  border-radius:18px;
  padding:1rem 1.25rem;
  border:1px solid rgba(255,255,255,.08);
}

.hero-card small{
  display:block;
  color:var(--gold);
  margin-bottom:.3rem;
  text-transform:uppercase;
  letter-spacing:.1em;
}

.hero-card strong{
  color:#fff;
  font-size:1rem;
}

@media(max-width:1024px){

  .hero-grid{
    grid-template-columns:1fr;
  }

  .hero-content{
    max-width:100%;
  }

  .hero-image img{
    height:450px;
  }

  .hero-features{
    justify-content:space-between;
    gap:1rem;
  }
}



@media(max-width:768px){

  .hero-features{
    display:flex;
    flex-direction:row;
    justify-content:space-between;
    gap:10px;
    margin-top:30px;
  }

  .hero-features div{
    flex:1;
  }

  .hero-features strong{
    font-size:1.7rem;
  }

  .hero-features span{
    font-size:.8rem;
  }
}

/* TWO COL */
.two-col{display:grid;gap:3rem;align-items:center}
@media(min-width:900px){.two-col{grid-template-columns:1fr 1fr}}
.about-img{position:relative;border-radius:30px;overflow:hidden;box-shadow:0 30px 70px -40px rgba(11,23,54,.4)}
.about-img img{aspect-ratio:4/3;object-fit:cover;width:100%}
.stat-grid{margin-top:2rem;display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.stat-card{border:1px solid var(--border);background:var(--card);border-radius:18px;padding:1.1rem}
.stat-card .display{color:var(--navy-deep)}

/* GRID-3 */
.grid-3{display:grid;gap:1.25rem;grid-template-columns:1fr}
@media(min-width:640px){.grid-3{grid-template-columns:1fr 1fr}}
@media(min-width:1024px){.grid-3{grid-template-columns:repeat(3,1fr)}}

/* DARK CARDS (steps) */
.dark-card{border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.04);border-radius:24px;padding:1.75rem;transition:background .15s}
.dark-card:hover{background:rgba(255,255,255,.07)}
.card-head{display:flex;justify-content:space-between;align-items:center}
.badge-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:var(--gold);color:var(--navy-deep);font-size:1.25rem}
.step-num{font-family:var(--font-display);font-size:2.5rem;font-weight:600;color:rgba(255,255,255,.1)}

/* LOAN CARDS */
.loan-card{display:block;text-align:left;position:relative;overflow:hidden;border:1px solid var(--border);background:var(--card);border-radius:24px;padding:1.6rem;transition:transform .2s,box-shadow .2s,border-color .2s;cursor:pointer}
.loan-card:hover{transform:translateY(-4px);border-color:rgba(42,63,189,.4);box-shadow:0 24px 60px -30px rgba(42,63,189,.4)}
.loan-card .ico{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:rgba(42,63,189,.08);color:var(--royal);font-size:1.4rem}
.loan-card .name{font-family:var(--font-display);font-weight:600;font-size:1.2rem;margin:1rem 0 .25rem}
.loan-card .meta{display:flex;gap:1rem;font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.loan-card .desc{margin-top:.75rem;font-size:.92rem;color:var(--muted)}
.loan-card .arrow{position:absolute;top:1.25rem;right:1.25rem;color:var(--royal);opacity:.4;transition:opacity .2s,transform .2s}
.loan-card:hover .arrow{opacity:1;transform:translate(2px,-2px)}

/* CALC */
.calc-card{display:grid;gap:2rem;background:var(--card);border:1px solid var(--border);border-radius:28px;padding:2rem;box-shadow:0 30px 60px -40px rgba(11,23,54,.25)}
@media(min-width:1024px){.calc-card{grid-template-columns:1.1fr .9fr;padding:2.5rem}}
.slider-row{margin-bottom:1.5rem}
.slider-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:.6rem}
.slider-head .display{color:var(--navy-deep);font-size:1rem}
input[type=range]{width:100%;accent-color:var(--royal)}
.calc-result{border-radius:20px;padding:1.75rem;color:#fff}
.calc-result .gold{color:var(--gold)}
.result-rows{margin:1.75rem 0;display:flex;flex-direction:column;gap:.75rem;font-size:.92rem}
.result-rows>div{display:flex;justify-content:space-between;padding-top:.75rem;border-top:1px solid rgba(255,255,255,.1)}
.result-rows>div:first-child{border:0;padding-top:0}
.result-rows>div:last-child{font-size:1.05rem}
.inline-form{max-width:780px;margin:0 auto;background:var(--card);border:1px solid var(--border);border-radius:28px;padding:2rem;margin-top:2rem;box-shadow:0 20px 50px -30px rgba(11,23,54,.2)}
@media(min-width:640px){.inline-form{padding:2.5rem}}

/* TESTIMONIALS */
.testimonial{margin:0;border:1px solid var(--border);background:var(--card);border-radius:24px;padding:1.75rem;box-shadow:0 4px 16px -8px rgba(11,23,54,.05)}
.stars{color:var(--gold);font-size:1rem;letter-spacing:.1em}
.testimonial blockquote{margin:1rem 0 0;color:var(--navy-deep);font-size:1.1rem;line-height:1.3}
.testimonial figcaption{margin-top:1.5rem;display:flex;align-items:center;gap:.75rem}
.testimonial figcaption img{width:48px;height:48px;border-radius:999px;object-fit:cover}

/* FAQ */
.faq-section{max-width:780px;margin:0 auto;padding:6rem 1.25rem}
.faq-list{border:1px solid var(--border);background:var(--card);border-radius:24px;overflow:hidden}
.faq-item+.faq-item{border-top:1px solid var(--border)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.2rem 1.5rem;text-align:left;font-family:var(--font-display);font-weight:500;font-size:1.05rem;color:var(--navy-deep)}
.faq-toggle{display:grid;place-items:center;width:30px;height:30px;border-radius:999px;background:#efece3;color:#3a4366;font-size:1.1rem;flex:0 0 auto}
.faq-a{padding:0 1.5rem 1.5rem;color:var(--muted);font-size:.95rem;display:none}
.faq-item.open .faq-a{display:block}

/* CONTACT */
.contact-list{margin-top:2.5rem;display:flex;flex-direction:column;gap:1.2rem}
.contact-list li{display:flex;gap:1rem;align-items:flex-start}
.contact-list .ico{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.1);color:var(--gold);flex:0 0 auto}
.contact-list .micro{color:rgba(255,255,255,.55)}
.contact-card{border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.04);border-radius:24px;padding:2rem}
.contact-card .btn{margin-top:1.5rem}

/* FOOTER */
.footer{border-top:1px solid var(--border);background:var(--bg)}
.footer-grid{display:grid;gap:2.5rem;padding:3.5rem 1.25rem;grid-template-columns:1fr}
@media(min-width:640px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(min-width:1024px){.footer-grid{grid-template-columns:repeat(4,1fr)}}
.footer-title{font-size:.72rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;margin-bottom:1rem}
.footer ul{display:flex;flex-direction:column;gap:.55rem}
.footer ul a{color:var(--muted);font-size:.92rem}
.footer ul a:hover{color:var(--fg)}
.footer-bottom{border-top:1px solid var(--border);font-size:.78rem;color:var(--muted)}
.footer-bottom .row-between{padding:1.1rem 0}

/* LEAD FORM */
.lead-form .row{display:grid;gap:1rem;grid-template-columns:1fr}
@media(min-width:640px){.lead-form .row{grid-template-columns:1fr 1fr}}
.field{display:block;margin-bottom:.5rem}
.field>label{display:block;margin-bottom:.35rem;font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);font-weight:500}
.field input,.field select{width:100%;border:1px solid var(--border);background:var(--bg);border-radius:12px;padding:.7rem .85rem;font-size:.95rem;font-family:inherit;color:var(--fg);outline:none;transition:border-color .15s,box-shadow .15s}
.field input:focus,.field select:focus{border-color:var(--royal);box-shadow:0 0 0 3px rgba(42,63,189,.15)}
.field .err{color:#c0392b;font-size:.78rem;margin-top:.3rem;display:block;min-height:1em}
.lead-form .submit{width:100%;margin-top:.5rem;background:var(--gold);color:var(--navy-deep);font-weight:600;padding:.95rem 1.25rem;border-radius:14px;font-size:.95rem;box-shadow:0 10px 26px -12px rgba(230,185,74,.6)}
.lead-form .submit:disabled{opacity:.6;cursor:not-allowed}
.lead-form .agree{text-align:center;font-size:.72rem;color:var(--muted);margin-top:.75rem}
.lead-form .success{text-align:center;padding:2.5rem 1rem}
.lead-form .success .check{font-size:3rem;color:var(--gold)}



/* MODAL */

.modal{
  position:fixed;
  inset:0;
  z-index:9999;
  display:flex;
  justify-content:center;
  align-items:center;
  padding:15px;
}

.modal-backdrop{
  position:absolute;
  inset:0;
  background:rgba(0,0,0,.65);
}

.modal-card{
  position:relative;
  width:100%;
  max-width:520px;
  max-height:90vh;
  overflow-y:auto;
  background:#fff;
  border-radius:20px;
  z-index:2;
}

.modal-head{
  position:relative;
  padding:20px;
}

.modal-close{
  position:absolute;
  top:12px;
  right:12px;
  width:40px;
  height:40px;
  border-radius:50%;
  background:#fff;
  color:#000;
  font-size:24px;
  font-weight:700;
  display:flex;
  align-items:center;
  justify-content:center;
  z-index:99999;
  cursor:pointer;
  box-shadow:0 4px 12px rgba(0,0,0,.15);
}

.modal-body{
  padding:20px;
}

@media(max-width:768px){

  .modal{
    padding:10px;
    align-items:center;
  }

  .modal-card{
    width:100%;
    max-width:100%;
    max-height:92vh;
    border-radius:18px;
  }

  .modal-close{
    top:10px;
    right:10px;
  }

}

/* TOAST */
.toast{position:fixed;bottom:1.5rem;left:50%;transform:translateX(-50%);background:var(--navy-deep);color:#fff;padding:.85rem 1.25rem;border-radius:12px;font-size:.9rem;z-index:200;box-shadow:0 14px 40px -10px rgba(0,0,0,.4);animation:slideUp .25s ease}
.toast.error{background:#c0392b}

/* Floating Contact Buttons */

.floating-contact{
  position:fixed;
  right:20px;
  bottom:20px;
  display:flex;
  flex-direction:column;
  gap:12px;
  z-index:9999;
}

.float-btn{
  width:58px;
  height:58px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  text-decoration:none;
  box-shadow:0 10px 25px rgba(0,0,0,.25);
  transition:.3s ease;
}

.float-btn:hover{
  transform:translateY(-3px);
}

.whatsapp-btn{
  background:#25D366;
  color:#fff;
}

.call-btn{
  background:#0b1736;
  color:#fff;
  font-size:24px;
}

@media(max-width:768px){
  .floating-contact{
    right:15px;
    bottom:15px;
  }

  .float-btn{
    width:54px;
    height:54px;
  }
}