:root {
  --orange: #ff7a00;
  --gold: #ffb347;
  --navy: #071b2a;
  --charcoal: #1e293b;
  --light: #f5f7fa;
  --white: #ffffff;
  --muted: #64748b;
  --glass: rgba(255,255,255,.11);
  --glass-border: rgba(255,255,255,.2);
  --shadow: 0 26px 70px rgba(7, 27, 42, .18);
  --ring: 0 0 0 1px rgba(255, 179, 71, .18), 0 18px 60px rgba(255, 122, 0, .16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Poppins', sans-serif;
  color: var(--charcoal);
  background: var(--light);
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }

h1, h2, h3, .font-display { font-family: 'Playfair Display', serif; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
::selection { background: rgba(255, 122, 0, .28); }

.preloader {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: grid;
  place-items: center;
  background: radial-gradient(circle at 50% 35%, rgba(255, 122, 0, .22), transparent 32%), var(--navy);
  transition: opacity .6s ease, visibility .6s ease;
}
.preloader.loaded { opacity: 0; visibility: hidden; }
.loader-mark {
  width: 84px;
  height: 84px;
  border-radius: 28px;
  display: grid;
  place-items: center;
  color: #fff;
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 800;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  box-shadow: 0 0 70px rgba(255, 122, 0, .45);
  animation: pulseMark 1.5s infinite ease-in-out;
}
@keyframes pulseMark { 50% { transform: scale(.92) rotate(-4deg); } }

.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0%;
  z-index: 10000;
  background: linear-gradient(90deg, var(--orange), var(--gold));
  box-shadow: 0 0 16px rgba(255, 122, 0, .65);
}

.navbar {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  transition: all .35s ease;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.navbar.scrolled {
  background: rgba(7, 27, 42, .88);
  backdrop-filter: blur(20px);
  box-shadow: 0 18px 55px rgba(0,0,0,.18);
}
.nav-shell { max-width: 1240px; margin: auto; padding: 18px 22px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: flex; align-items: center; gap: 12px; color: #fff; min-width: max-content; }
.logo-image-only {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 0;
  padding: 8px 14px;
  border-radius: 22px;
  background: rgba(255,255,255,.96);
  border: 1px solid rgba(255,255,255,.82);
  box-shadow: 0 18px 45px rgba(0,0,0,.2);
}
.logo-image-only img { width: 178px; height: auto; max-height: 72px; object-fit: contain; filter: none; }
.footer .logo-image-only { justify-content: flex-start; margin-bottom: 16px; padding: 12px 18px; background: rgba(255,255,255,.96); }
.footer .logo-image-only img { width: 224px; max-height: 96px; }
.logo-icon { width: 46px; height: 46px; border-radius: 16px; display: grid; place-items: center; font-weight: 900; background: linear-gradient(135deg, var(--orange), var(--gold)); box-shadow: 0 18px 35px rgba(255,122,0,.28); }
.logo small { display: block; color: rgba(255,255,255,.7); font-size: 11px; letter-spacing: .12em; text-transform: uppercase; }
.logo strong { line-height: 1; font-size: 17px; }
.nav-links { display: flex; align-items: center; gap: 24px; color: rgba(255,255,255,.82); font-size: 14px; }
.nav-links a { position: relative; transition: color .25s ease; }
.nav-links a:after { content: ''; position: absolute; left: 0; bottom: -7px; width: 0; height: 2px; border-radius: 10px; background: linear-gradient(90deg, var(--orange), var(--gold)); transition: width .25s ease; }
.nav-links a:hover, .nav-links a.active { color: #fff; }
.nav-links a:hover:after, .nav-links a.active:after { width: 100%; }
.mobile-toggle { display: none; width: 46px; height: 46px; border-radius: 16px; border: 1px solid rgba(255,255,255,.18); background: rgba(255,255,255,.09); color: #fff; }
.mobile-toggle span { display: block; width: 20px; height: 2px; margin: 5px auto; background: currentColor; transition: .25s ease; }
body.menu-open .mobile-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.menu-open .mobile-toggle span:nth-child(2) { opacity: 0; }
body.menu-open .mobile-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.btn-premium, .btn-ghost, .btn-dark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: 999px;
  padding: 13px 22px;
  font-weight: 700;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
  border: 1px solid transparent;
  cursor: pointer;
}
.btn-premium { color: #071b2a; background: linear-gradient(135deg, var(--orange), var(--gold)); box-shadow: 0 20px 38px rgba(255, 122, 0, .28); }
.btn-premium:hover { transform: translateY(-3px); box-shadow: 0 28px 60px rgba(255, 122, 0, .36); }
.btn-ghost { color: #fff; border-color: rgba(255,255,255,.24); background: rgba(255,255,255,.08); backdrop-filter: blur(12px); }
.btn-ghost:hover { background: rgba(255,255,255,.16); transform: translateY(-3px); }
.btn-dark { color: #fff; background: var(--navy); box-shadow: var(--shadow); }
.btn-dark:hover { transform: translateY(-3px); }

.hero {
  min-height: 100vh;
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #fff;
  background: var(--navy);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(105deg, rgba(7,27,42,.96) 0%, rgba(7,27,42,.78) 43%, rgba(7,27,42,.38) 100%), var(--hero-image);
  background-size: cover;
  background-position: center;
  animation: heroZoom 18s ease-in-out infinite alternate;
}
@keyframes heroZoom { to { transform: scale(1.08); } }
.hero:before, .hero:after, .section-glow:before {
  content: '';
  position: absolute;
  border-radius: 999px;
  pointer-events: none;
  filter: blur(8px);
}
.hero:before { width: 380px; height: 380px; right: 8%; top: 17%; background: radial-gradient(circle, rgba(255,122,0,.34), transparent 66%); }
.hero:after { width: 280px; height: 280px; left: -70px; bottom: 10%; background: radial-gradient(circle, rgba(255,179,71,.18), transparent 67%); }
.hero-content { position: relative; z-index: 2; max-width: 1240px; margin: 0 auto; padding: 130px 22px 70px; display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(320px, .72fr); gap: 46px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; padding: 8px 13px; border: 1px solid rgba(255,255,255,.16); border-radius: 999px; background: rgba(255,255,255,.08); backdrop-filter: blur(12px); color: rgba(255,255,255,.86); font-size: 13px; letter-spacing: .04em; }
.eyebrow:before { content: ''; width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--orange), var(--gold)); box-shadow: 0 0 18px rgba(255,122,0,.9); }
.hero h1 { margin: 24px 0 18px; font-size: clamp(48px, 7vw, 94px); line-height: .96; letter-spacing: -.045em; }
.gradient-text { background: linear-gradient(135deg, var(--orange), var(--gold)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero p { max-width: 740px; font-size: clamp(16px, 2vw, 20px); color: rgba(255,255,255,.78); line-height: 1.8; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; color: rgba(255,255,255,.78); font-size: 13px; }
.trust-row span { padding: 10px 13px; border-radius: 999px; background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.12); }

.glass-card {
  background: linear-gradient(145deg, rgba(255,255,255,.16), rgba(255,255,255,.07));
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(20px);
  border-radius: 30px;
  box-shadow: 0 28px 80px rgba(0,0,0,.24);
}
.hero-panel { padding: 22px; transform-style: preserve-3d; }
.stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.stat-card { padding: 22px; min-height: 135px; display: flex; flex-direction: column; justify-content: space-between; position: relative; overflow: hidden; }
.stat-card:after { content: ''; position: absolute; width: 100px; height: 100px; right: -35px; bottom: -35px; background: radial-gradient(circle, rgba(255,122,0,.22), transparent 70%); }
.stat-card strong { font-size: clamp(27px, 4vw, 38px); font-weight: 900; }
.stat-card span { color: rgba(255,255,255,.72); font-size: 13px; }
.float-badge { margin-top: 14px; padding: 18px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.float-badge i { color: var(--gold); font-size: 28px; }
.particle { position: absolute; width: 7px; height: 7px; border-radius: 50%; background: rgba(255,179,71,.55); animation: floatParticle 9s infinite ease-in-out; }
@keyframes floatParticle { 50% { transform: translate3d(34px, -46px, 0) scale(1.5); opacity: .45; } }
.scroll-cue { position: absolute; left: 50%; bottom: 24px; z-index: 3; color: rgba(255,255,255,.75); transform: translateX(-50%); font-size: 12px; letter-spacing: .16em; text-transform: uppercase; }
.scroll-cue:after { content: ''; display: block; width: 1px; height: 42px; margin: 8px auto 0; background: linear-gradient(var(--gold), transparent); animation: scrollCue 1.4s infinite ease; }
@keyframes scrollCue { 50% { transform: translateY(8px); opacity: .35; } }

section { position: relative; }
.section-pad { padding: 110px 22px; }
.container { max-width: 1240px; margin: 0 auto; }
.section-title { max-width: 760px; margin-bottom: 46px; }
.section-title.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-title h2 { color: var(--navy); font-size: clamp(34px, 5vw, 62px); line-height: 1.02; margin: 12px 0 16px; letter-spacing: -.035em; }
.section-title p { color: var(--muted); line-height: 1.8; font-size: 17px; }
.dark-section { background: radial-gradient(circle at 15% 12%, rgba(255,122,0,.18), transparent 28%), linear-gradient(135deg, #071b2a, #081522 65%, #0b2639); color: #fff; overflow: hidden; }
.dark-section .section-title h2, .dark-section h2, .dark-section h3 { color: #fff; }
.dark-section .section-title p, .dark-section p { color: rgba(255,255,255,.72); }
.dark-section .contact-card {
  background: linear-gradient(145deg, rgba(255,255,255,.12), rgba(255,255,255,.045));
  border-color: rgba(255,255,255,.16);
  box-shadow: 0 28px 80px rgba(0,0,0,.24);
  color: #fff;
}
.dark-section .contact-card h2,
.dark-section .contact-card h3,
.dark-section .contact-card strong { color: #fff; }
.dark-section .contact-card p,
.dark-section .contact-card span { color: rgba(255,255,255,.76); }
.dark-section .team-card {
  background: linear-gradient(145deg, rgba(255,255,255,.12), rgba(255,255,255,.05));
  border: 1px solid rgba(255,255,255,.14);
  box-shadow: 0 28px 80px rgba(0,0,0,.22);
}
.dark-section .team-card h3 { color: #fff; }
.dark-section .team-card p { color: rgba(255,255,255,.72); }

.split-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 58px; align-items: center; }
.image-stack { position: relative; min-height: 520px; }
.image-stack img { position: absolute; inset: 0; width: 88%; height: 88%; object-fit: cover; border-radius: 38px; box-shadow: var(--shadow); }
.image-stack .image-card { position: absolute; right: 0; bottom: 0; width: 58%; padding: 22px; color: #fff; }
.orb { position: absolute; border-radius: 999px; background: linear-gradient(135deg, var(--orange), var(--gold)); opacity: .84; filter: blur(.3px); animation: bob 5s infinite ease-in-out; }
.orb.one { width: 84px; height: 84px; right: 18%; top: 2%; }
.orb.two { width: 38px; height: 38px; left: 4%; bottom: 14%; animation-delay: -1.2s; }
@keyframes bob { 50% { transform: translateY(-18px); } }
.lead-copy { color: var(--muted); line-height: 1.85; font-size: 17px; }
.feature-list { display: grid; gap: 16px; margin-top: 26px; }
.feature-list li { list-style: none; display: flex; gap: 13px; align-items: flex-start; }
.feature-list i { color: var(--orange); margin-top: 5px; }
.metrics-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 32px; }
.metric { padding: 20px; border-radius: 24px; background: #fff; box-shadow: 0 16px 45px rgba(7,27,42,.08); }
.metric strong { color: var(--navy); display: block; font-size: 27px; }
.metric span { color: var(--muted); font-size: 13px; }

.service-grid { display: grid; grid-template-columns: repeat(12, 1fr); gap: 18px; }
.service-card { grid-column: span 4; min-height: 330px; border-radius: 32px; overflow: hidden; position: relative; color: #fff; isolation: isolate; box-shadow: var(--shadow); transform: translateY(0); transition: transform .35s ease, box-shadow .35s ease; }
.service-card.wide { grid-column: span 6; }
.service-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; z-index: -2; }
.service-card:before { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,27,42,.16), rgba(7,27,42,.92)); z-index: -1; }
.service-card:hover { transform: translateY(-9px); box-shadow: 0 34px 86px rgba(7,27,42,.24); }
.service-card:hover img { transform: scale(1.1); }
.service-content { position: absolute; inset: auto 20px 20px; padding: 22px; border-radius: 25px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.18); backdrop-filter: blur(16px); }
.service-icon { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 16px; background: linear-gradient(135deg, var(--orange), var(--gold)); color: #071b2a; margin-bottom: 14px; }
.service-content h3 { margin: 0 0 8px; font-size: 26px; }
.service-content p { margin: 0 0 14px; color: rgba(255,255,255,.76); font-size: 14px; line-height: 1.6; }
.mini-link { color: var(--gold); font-weight: 800; font-size: 13px; }

.choose-grid, .partner-grid, .faq-grid, .loan-detail-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.choose-card, .partner-card, .faq-item, .process-card, .contact-card, .loan-detail-card, .legal-card {
  border-radius: 28px;
  background: rgba(255,255,255,.82);
  border: 1px solid rgba(7,27,42,.08);
  box-shadow: 0 20px 55px rgba(7,27,42,.08);
}
.choose-card { padding: 26px; transition: transform .25s ease, box-shadow .25s ease; }
.choose-card:hover { transform: translateY(-8px); box-shadow: var(--ring); }
.icon-glow { width: 54px; height: 54px; border-radius: 18px; display: grid; place-items: center; background: linear-gradient(135deg, rgba(255,122,0,.18), rgba(255,179,71,.18)); color: var(--orange); font-size: 24px; margin-bottom: 18px; box-shadow: inset 0 0 0 1px rgba(255,122,0,.16); }
.choose-card h3 { color: var(--navy); font-size: 22px; margin: 0 0 8px; }
.choose-card p { color: var(--muted); line-height: 1.65; font-size: 14px; }

.marquee { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; width: max-content; gap: 18px; animation: marquee 28s linear infinite; }
@keyframes marquee { to { transform: translateX(-50%); } }
.partner-card { min-width: 220px; padding: 22px; text-align: center; color: #fff; background: rgba(255,255,255,.09); border-color: rgba(255,255,255,.14); transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.partner-card:hover { transform: translateY(-6px); border-color: rgba(255,179,71,.36); box-shadow: 0 0 42px rgba(255,122,0,.16); }
.partner-logo { width: 132px; height: 76px; margin: 0 auto 14px; border-radius: 22px; display: grid; grid-template-columns: 42px 1fr; align-items: center; gap: 9px; padding: 10px; background: rgba(255,255,255,.95); color: #071b2a; box-shadow: inset 0 0 0 1px rgba(7,27,42,.08), 0 14px 34px rgba(0,0,0,.16); filter: grayscale(1) saturate(.3); transition: filter .25s ease, transform .25s ease; }
.partner-symbol { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 14px; color: #fff; font-weight: 900; font-size: 13px; line-height: 1; background: linear-gradient(135deg, var(--brand), var(--brand-accent)); }
.partner-wordmark { color: var(--brand); font-weight: 900; font-size: 11px; line-height: 1.12; text-align: left; letter-spacing: -.02em; }
.partner-card:hover .partner-logo { filter: grayscale(0) saturate(1.08); transform: scale(1.04); }

.process-wrap { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.process-wrap:before { content: ''; position: absolute; left: 10%; right: 10%; top: 44px; height: 2px; background: linear-gradient(90deg, var(--orange), var(--gold)); opacity: .5; }
.process-card { position: relative; padding: 28px; text-align: center; }
.process-num { width: 56px; height: 56px; display: grid; place-items: center; margin: -2px auto 20px; border-radius: 18px; color: #071b2a; font-weight: 900; background: linear-gradient(135deg, var(--orange), var(--gold)); box-shadow: 0 16px 35px rgba(255,122,0,.2); }
.process-card h3 { color: var(--navy); margin: 0 0 10px; }
.process-card p { color: var(--muted); line-height: 1.65; }

.testimonial-card { padding: 30px; min-height: 320px; }
.stars { color: var(--gold); letter-spacing: 4px; }
.client { display: flex; gap: 14px; align-items: center; margin-top: 24px; }
.client img { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; }
.swiper-pagination-bullet-active { background: var(--orange) !important; }

.faq-grid { grid-template-columns: 1fr 1fr; }
.faq-item { overflow: hidden; }
.faq-question { width: 100%; border: 0; background: transparent; padding: 22px 24px; text-align: left; display: flex; justify-content: space-between; gap: 16px; font-weight: 800; color: var(--navy); cursor: pointer; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-answer p { margin: 0; padding: 0 24px 22px; color: var(--muted); line-height: 1.7; }
.faq-item.active .faq-answer { max-height: 180px; }
.faq-item.active i { transform: rotate(45deg); }
.faq-question i { transition: .25s ease; color: var(--orange); }

.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 26px; align-items: stretch; }
.contact-card { padding: 28px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.input-field { width: 100%; border: 1px solid rgba(7,27,42,.1); border-radius: 18px; padding: 15px 16px; background: rgba(255,255,255,.92); color: var(--charcoal); outline: none; transition: .25s ease; }
.input-field::placeholder { color: #8b98aa; opacity: 1; }
.input-field option { color: var(--charcoal); background: #fff; }
.input-field:focus { border-color: rgba(255,122,0,.58); box-shadow: 0 0 0 4px rgba(255,122,0,.11); }
textarea.input-field { min-height: 132px; resize: vertical; }
.full { grid-column: 1 / -1; }
.map-frame { width: 100%; min-height: 430px; border: 0; border-radius: 28px; filter: saturate(.9) contrast(1.04); }
.info-list { display: grid; gap: 16px; margin-top: 22px; }
.info-list a, .info-list div { display: flex; align-items: flex-start; gap: 13px; color: var(--muted); line-height: 1.55; }
.info-list i { color: var(--orange); margin-top: 4px; }

.page-hero { min-height: 58vh; display: flex; align-items: center; color: #fff; background: linear-gradient(105deg, rgba(7,27,42,.94), rgba(7,27,42,.68)), var(--page-image); background-size: cover; background-position: center; padding: 145px 22px 74px; position: relative; overflow: hidden; }
.page-hero h1 { font-size: clamp(44px, 7vw, 82px); margin: 16px 0; line-height: 1; letter-spacing: -.04em; }
.page-hero p { max-width: 760px; color: rgba(255,255,255,.76); line-height: 1.8; font-size: 18px; }
.breadcrumb { color: rgba(255,255,255,.72); font-weight: 700; font-size: 13px; letter-spacing: .08em; text-transform: uppercase; }
.timeline { display: grid; gap: 18px; position: relative; }
.timeline-item { display: grid; grid-template-columns: 120px 1fr; gap: 20px; align-items: start; }
.timeline-year { color: var(--orange); font-weight: 900; font-size: 24px; }
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.team-card { padding: 28px; border-radius: 32px; background: #fff; box-shadow: var(--shadow); text-align: center; }
.avatar { width: 96px; height: 96px; border-radius: 32px; margin: 0 auto 16px; display: grid; place-items: center; color: #071b2a; font-size: 34px; font-weight: 900; background: linear-gradient(135deg, var(--orange), var(--gold)); }
.team-photo {
  width: 132px;
  height: 132px;
  border-radius: 38px;
  margin: 0 auto 18px;
  object-fit: cover;
  object-position: center 18%;
  border: 3px solid rgba(255,179,71,.72);
  box-shadow: 0 22px 48px rgba(0,0,0,.24);
}
.ceo-card { position: relative; overflow: hidden; }
.ceo-card:before {
  content: '';
  position: absolute;
  inset: -80px -80px auto auto;
  width: 190px;
  height: 190px;
  border-radius: 999px;
  background: radial-gradient(circle, rgba(255,122,0,.22), transparent 68%);
}
.loan-detail-grid { grid-template-columns: repeat(3, 1fr); }
.loan-detail-card { overflow: hidden; background: #fff; transition: transform .3s ease, box-shadow .3s ease; }
.loan-detail-card:hover { transform: translateY(-7px); box-shadow: 0 32px 78px rgba(7,27,42,.14); }
.loan-detail-card img { width: 100%; height: 235px; object-fit: cover; aspect-ratio: 16 / 10; transition: transform .55s ease, filter .55s ease; }
.loan-detail-card:hover img { transform: scale(1.06); filter: saturate(1.04) contrast(1.03); }
.loan-detail-body { padding: 24px; }
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0; }
.pill-list span { padding: 8px 10px; border-radius: 999px; background: rgba(255,122,0,.1); color: #9a4b00; font-size: 12px; font-weight: 800; }
.legal-wrap { max-width: 980px; margin: auto; display: grid; gap: 18px; }
.legal-card { padding: 28px; background: #fff; }
.legal-card h2 { color: var(--navy); margin-top: 0; font-size: 30px; }
.legal-card p, .legal-card li { color: var(--muted); line-height: 1.8; }

.footer { background: #061622; color: #fff; padding: 72px 22px 26px; position: relative; overflow: hidden; }
.footer:before { content: ''; position: absolute; width: 480px; height: 480px; right: -180px; top: -180px; background: radial-gradient(circle, rgba(255,122,0,.16), transparent 70%); }
.footer-grid { position: relative; max-width: 1240px; margin: 0 auto; display: grid; grid-template-columns: 1.2fr .75fr .85fr 1fr; gap: 34px; }
.footer h3 { font-family: 'Poppins', sans-serif; font-size: 16px; margin: 0 0 18px; }
.footer p, .footer a, .footer li { color: rgba(255,255,255,.68); line-height: 1.7; font-size: 14px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.newsletter { display: flex; gap: 8px; padding: 7px; border-radius: 999px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.1); }
.newsletter input { flex: 1; min-width: 0; color: #fff; background: transparent; border: 0; outline: 0; padding: 0 10px; }
.footer-bottom { position: relative; max-width: 1240px; margin: 44px auto 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); display: flex; justify-content: space-between; gap: 20px; color: rgba(255,255,255,.58); font-size: 13px; }
.socials { display: flex; gap: 10px; }
.socials a { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; background: rgba(255,255,255,.09); color: #fff; }

.floating-actions { position: fixed; right: 18px; bottom: 18px; z-index: 999; display: grid; gap: 10px; }
.float-action { width: 54px; height: 54px; border-radius: 19px; display: grid; place-items: center; color: #fff; border: 1px solid rgba(255,255,255,.15); box-shadow: 0 16px 36px rgba(0,0,0,.22); transition: .25s ease; }
.float-action:hover { transform: translateY(-4px); }
.whatsapp { background: #25d366; }
.call { background: linear-gradient(135deg, var(--orange), var(--gold)); color: #071b2a; }
.to-top { background: rgba(7,27,42,.9); opacity: 0; pointer-events: none; }
.to-top.show { opacity: 1; pointer-events: auto; }

@media (max-width: 1024px) {
  .nav-links { position: fixed; inset: 78px 16px auto; flex-direction: column; align-items: stretch; padding: 22px; background: rgba(7,27,42,.96); border: 1px solid rgba(255,255,255,.12); border-radius: 24px; transform: translateY(-18px); opacity: 0; pointer-events: none; transition: .28s ease; backdrop-filter: blur(20px); }
  body.menu-open .nav-links { opacity: 1; pointer-events: auto; transform: translateY(0); }
  .mobile-toggle { display: block; }
  .nav-links .btn-premium { width: 100%; }
  .hero-content, .split-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-panel { max-width: 620px; }
  .service-card, .service-card.wide { grid-column: span 6; }
  .choose-grid, .metrics-row, .process-wrap, .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .process-wrap:before { display: none; }
  .loan-detail-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 680px) {
  .nav-shell { padding: 14px 16px; }
  .logo strong { font-size: 14px; }
  .logo small { display: none; }
  .logo-icon { width: 42px; height: 42px; }
  .logo-image-only { padding: 6px 10px; border-radius: 18px; }
  .logo-image-only img { width: 132px; max-height: 56px; }
  .footer .logo-image-only { padding: 10px 14px; }
  .footer .logo-image-only img { width: 184px; max-height: 80px; }
  .hero { min-height: auto; }
  .hero-bg { background-position: 58% center; }
  .hero-content { padding: 106px 16px 54px; gap: 22px; }
  .hero h1 { font-size: 39px; line-height: 1.04; letter-spacing: -.035em; margin: 18px 0 14px; }
  .hero p { font-size: 14.5px; line-height: 1.68; }
  .hero-actions { margin-top: 22px; gap: 10px; }
  .hero-actions .btn-premium, .hero-actions .btn-ghost { width: 100%; }
  .trust-row { margin-top: 18px; gap: 8px; }
  .trust-row span { width: 100%; padding: 9px 11px; font-size: 12px; }
  .hero-panel { display: none; }
  .stat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 9px; }
  .stat-card { min-height: auto; padding: 13px 10px; border-radius: 18px; background: rgba(255,255,255,.08); }
  .stat-card:after { width: 58px; height: 58px; right: -24px; bottom: -26px; opacity: .7; }
  .stat-card strong { font-size: 19px; line-height: 1.1; }
  .stat-card span { font-size: 10px; line-height: 1.3; }
  .float-badge { display: none; }
  .scroll-cue { display: none; }
  .choose-grid, .metrics-row, .faq-grid, .process-wrap, .footer-grid, .form-grid, .loan-detail-grid, .team-grid { grid-template-columns: 1fr; }
  .service-card, .service-card.wide { grid-column: span 12; min-height: 310px; }
  .service-content { inset: auto 14px 14px; padding: 16px; border-radius: 22px; }
  .service-content h3 { font-size: 22px; }
  .service-content p { font-size: 13px; }
  .section-pad { padding: 76px 18px; }
  .image-stack { min-height: 430px; }
  .image-stack img { width: 100%; height: 78%; }
  .image-stack .image-card { width: 86%; }
  .dark-section .contact-card { background: rgba(255,255,255,.075); }
  .contact-card { padding: 24px; border-radius: 24px; }
  .input-field { padding: 14px 15px; border-radius: 16px; }
  .timeline-item { grid-template-columns: 1fr; gap: 8px; }
  .footer-bottom { flex-direction: column; }
  .floating-actions { right: 12px; bottom: 12px; }
  .float-action { width: 50px; height: 50px; }
}