/* =============================================================
   ViCash — Personal Credit Loan Website
   Stylesheet
   ---------------------------------------------------------------
   Visual system mapped from the ViCash Android app:
   - Primary BG:    #0D2533 (deep teal)
   - Card BG:       #FFFFFF
   - Accent 1:      #FF7B29 (vibrant orange)
   - Accent 2:      #FF9500 (amber orange)
   - Text scale:    #1A1A1A / #333 / #666 / #999
   - Grid:          8px base
   - Radius:        12–16px (cards) / 12px (buttons)
   - Shadow:        soft, layered
   ============================================================= */

/* ---------- 1. Design Tokens ---------- */
:root {
    /* Colors */
    --bg-primary:      #0D2533;
    --bg-secondary:    #1A3A4A;
    --bg-card:         #FFFFFF;
    --bg-soft:         #F8F9FA;
    --bg-muted:        #F0F2F5;

    --accent:          #FF7B29;
    --accent-2:        #FF9500;
    --accent-pressed:  #E56B1F;
    --accent-light:    #FFE5D6;
    --accent-grad:     linear-gradient(135deg, #FF7B29 0%, #FF9500 100%);

    --text-1:          #1A1A1A;
    --text-2:          #333333;
    --text-3:          #666666;
    --text-4:          #999999;
    --text-on-dark:    #FFFFFF;
    --text-on-dark-2:  rgba(255,255,255,.7);

    --success:         #00C853;
    --error:           #FF5252;
    --info:            #4A90E2;
    --divider:         #E5E5E5;

    /* Typography */
    --font:            'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    --fs-xs:           12px;
    --fs-sm:           13px;
    --fs-base:         15px;
    --fs-md:           16px;
    --fs-lg:           18px;
    --fs-xl:           22px;
    --fs-2xl:          28px;
    --fs-3xl:          36px;
    --fs-4xl:          48px;

    /* Spacing */
    --sp-1:            4px;
    --sp-2:            8px;
    --sp-3:            12px;
    --sp-4:            16px;
    --sp-5:            24px;
    --sp-6:            32px;
    --sp-7:            48px;
    --sp-8:            64px;

    /* Radius */
    --r-sm:            8px;
    --r-md:            12px;
    --r-lg:            16px;
    --r-xl:            24px;
    --r-full:          999px;

    /* Shadow */
    --shadow-sm:       0 1px 2px rgba(0,0,0,.04), 0 2px 8px rgba(0,0,0,.04);
    --shadow-md:       0 4px 16px rgba(0,0,0,.06), 0 2px 6px rgba(0,0,0,.04);
    --shadow-lg:       0 12px 32px rgba(0,0,0,.08), 0 4px 12px rgba(0,0,0,.04);
    --shadow-accent:   0 8px 24px rgba(255,123,41,.25);
    --shadow-accent-lg:0 16px 40px rgba(255,123,41,.30);

    /* Layout */
    --container:       1200px;
    --header-h:        72px;
}

/* ---------- 2. Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html {
    scroll-behavior: smooth;
    scroll-padding-top: var(--header-h);
    -webkit-text-size-adjust: 100%;
}

body {
    margin: 0;
    font-family: var(--font);
    font-size: var(--fs-base);
    line-height: 1.6;
    color: var(--text-2);
    background: var(--bg-card);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
    margin: 0;
    font-weight: 700;
    color: var(--text-1);
    line-height: 1.25;
}

p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
button { font: inherit; cursor: pointer; border: none; background: none; }

/* ---------- 3. Layout Helpers ---------- */
.container {
    width: 100%;
    max-width: var(--container);
    margin-inline: auto;
    padding-inline: var(--sp-4);
}

.section {
    padding-block: var(--sp-8);
}
.section__head {
    max-width: 720px;
    margin: 0 auto var(--sp-7);
    text-align: center;
}
.section__eyebrow {
    display: inline-block;
    padding: 6px 14px;
    border-radius: var(--r-full);
    background: var(--accent-light);
    color: var(--accent);
    font-size: var(--fs-sm);
    font-weight: 600;
    letter-spacing: .02em;
    margin-bottom: var(--sp-3);
}
.section__title {
    font-size: var(--fs-3xl);
    font-weight: 800;
    letter-spacing: -.02em;
    margin-bottom: var(--sp-3);
}
.section__subtitle {
    font-size: var(--fs-md);
    color: var(--text-3);
    line-height: 1.65;
}

.text-gradient {
    background: var(--accent-grad);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
}

/* ---------- 4. Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 0 24px;
    height: 52px;
    border-radius: var(--r-md);
    font-weight: 600;
    font-size: var(--fs-md);
    line-height: 1;
    transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
    white-space: nowrap;
    cursor: pointer;
    user-select: none;
}
.btn:active { transform: translateY(1px); }

.btn--primary {
    background: var(--accent-grad);
    color: #fff;
    box-shadow: var(--shadow-accent);
}
.btn--primary:hover { box-shadow: var(--shadow-accent-lg); }

.btn--ghost {
    background: transparent;
    color: var(--text-1);
    border: 1.5px solid var(--divider);
}
.btn--ghost:hover {
    border-color: var(--text-3);
    color: var(--text-1);
}

.btn--light {
    background: rgba(255,255,255,.12);
    color: #fff;
    backdrop-filter: blur(8px);
}
.btn--light:hover { background: rgba(255,255,255,.20); }

.btn--sm { height: 40px; padding: 0 18px; font-size: var(--fs-sm); }
.btn--lg { height: 56px; padding: 0 32px; font-size: var(--fs-lg); }

/* ---------- 5. Badges ---------- */
.badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    border-radius: var(--r-full);
    font-size: var(--fs-sm);
    font-weight: 500;
}
.badge--light {
    background: rgba(255,255,255,.10);
    color: #fff;
    border: 1px solid rgba(255,255,255,.15);
}
.badge__dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--success);
    box-shadow: 0 0 0 3px rgba(0,200,83,.25);
    animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
    0%, 100% { box-shadow: 0 0 0 3px rgba(0,200,83,.25); }
    50%      { box-shadow: 0 0 0 6px rgba(0,200,83,.10); }
}

/* ---------- 6. Logo ---------- */
.logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: var(--fs-lg);
    letter-spacing: -.01em;
}
.logo__mark { display: inline-flex; }
.logo__text { color: var(--text-1); }
.logo--light .logo__text { color: #fff; }

/* ---------- 7. Header ---------- */
.header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255,255,255,.85);
    backdrop-filter: saturate(180%) blur(16px);
    -webkit-backdrop-filter: saturate(180%) blur(16px);
    border-bottom: 1px solid transparent;
    transition: border-color .2s ease, box-shadow .2s ease;
}
.header--scrolled {
    border-bottom-color: var(--divider);
    box-shadow: 0 2px 12px rgba(0,0,0,.04);
}
.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--header-h);
    gap: var(--sp-5);
}
.header__cta { display: inline-flex; }

.nav {
    display: flex;
    gap: var(--sp-5);
}
.nav__link {
    font-size: var(--fs-md);
    font-weight: 500;
    color: var(--text-2);
    padding: 8px 0;
    position: relative;
    transition: color .15s ease;
}
.nav__link::after {
    content: '';
    position: absolute;
    left: 50%;
    bottom: 0;
    transform: translateX(-50%) scaleX(0);
    width: 24px;
    height: 2px;
    background: var(--accent);
    border-radius: 2px;
    transition: transform .2s ease;
}
.nav__link:hover { color: var(--text-1); }
.nav__link:hover::after { transform: translateX(-50%) scaleX(1); }

.menu-toggle {
    display: none;
    width: 40px;
    height: 40px;
    border-radius: var(--r-sm);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
}
.menu-toggle span {
    width: 22px;
    height: 2px;
    background: var(--text-1);
    border-radius: 2px;
    transition: transform .25s ease, opacity .25s ease;
}
.menu-toggle--active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle--active span:nth-child(2) { opacity: 0; }
.menu-toggle--active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- 8. Hero ---------- */
.hero {
    position: relative;
    background: linear-gradient(180deg, #0D2533 0%, #143240 100%);
    color: #fff;
    overflow: hidden;
    padding-block: 80px 96px;
}
.hero__bg {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.hero__glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: .55;
}
.hero__glow--1 {
    top: -80px; right: -60px;
    width: 420px; height: 420px;
    background: radial-gradient(circle, #FF7B29 0%, transparent 70%);
}
.hero__glow--2 {
    bottom: -120px; left: -80px;
    width: 380px; height: 380px;
    background: radial-gradient(circle, #4A90E2 0%, transparent 70%);
    opacity: .35;
}
.hero__grid {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
    background-size: 56px 56px;
    mask-image: radial-gradient(ellipse at center, black 40%, transparent 80%);
    -webkit-mask-image: radial-gradient(ellipse at center, black 40%, transparent 80%);
}
.hero__inner {
    position: relative;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: var(--sp-7);
    align-items: center;
}
.hero__title {
    font-size: clamp(36px, 5vw, 56px);
    font-weight: 800;
    letter-spacing: -.03em;
    line-height: 1.1;
    color: #fff;
    margin-bottom: var(--sp-4);
}
.hero__subtitle {
    font-size: var(--fs-lg);
    color: var(--text-on-dark-2);
    line-height: 1.6;
    max-width: 540px;
    margin-bottom: var(--sp-5);
}
.hero__actions {
    display: flex;
    gap: var(--sp-3);
    flex-wrap: wrap;
    margin-bottom: var(--sp-3);
}
.hero__note {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,.55);
    margin-bottom: var(--sp-6);
}
.hero__stats {
    display: flex;
    align-items: center;
    gap: var(--sp-5);
    padding-top: var(--sp-5);
    border-top: 1px solid rgba(255,255,255,.12);
}
.hero__stat {
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.hero__stat-value {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: #fff;
}
.hero__stat-label {
    font-size: var(--fs-xs);
    color: rgba(255,255,255,.6);
    text-transform: uppercase;
    letter-spacing: .05em;
}
.hero__stat-divider {
    width: 1px;
    height: 32px;
    background: rgba(255,255,255,.15);
}

/* Hero visual: phone mockup */
.hero__visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    min-height: 520px;
}
.phone {
    position: relative;
    width: 280px;
    height: 560px;
    background: #0A1E2B;
    border-radius: 38px;
    padding: 12px;
    box-shadow:
        0 30px 80px rgba(0,0,0,.5),
        0 0 0 2px rgba(255,255,255,.08),
        inset 0 0 0 1px rgba(255,255,255,.04);
}
.phone__notch {
    position: absolute;
    top: 18px;
    left: 50%;
    transform: translateX(-50%);
    width: 100px;
    height: 22px;
    background: #0A1E2B;
    border-radius: 0 0 16px 16px;
    z-index: 3;
}
.phone__screen {
    position: relative;
    width: 100%;
    height: 100%;
    background: #F8F9FA;
    border-radius: 28px;
    overflow: hidden;
    padding: 38px 16px 16px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.phone__topbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 4px 4px 8px;
}
.phone__brand {
    font-weight: 800;
    color: var(--text-1);
    font-size: var(--fs-md);
}
.phone__icon {
    width: 32px; height: 32px;
    border-radius: 50%;
    background: var(--accent-light);
    display: flex; align-items: center; justify-content: center;
}
.phone__card {
    background: var(--accent-grad);
    color: #fff;
    padding: 18px 16px;
    border-radius: var(--r-lg);
    box-shadow: 0 8px 24px rgba(255,123,41,.30);
}
.phone__card-label {
    font-size: var(--fs-xs);
    opacity: .9;
    margin-bottom: 4px;
}
.phone__card-amount {
    font-size: 26px;
    font-weight: 800;
    letter-spacing: -.02em;
    margin-bottom: 10px;
}
.phone__card-meta {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    opacity: .9;
    margin-bottom: 14px;
}
.phone__card-btn {
    width: 100%;
    height: 38px;
    background: #fff;
    color: var(--accent);
    border-radius: var(--r-md);
    font-weight: 700;
    font-size: var(--fs-sm);
}
.phone__list {
    background: #fff;
    border-radius: var(--r-md);
    padding: 12px;
    box-shadow: 0 2px 8px rgba(0,0,0,.04);
}
.phone__list-title {
    font-size: 11px;
    color: var(--text-4);
    text-transform: uppercase;
    letter-spacing: .05em;
    margin-bottom: 8px;
    padding: 0 4px;
}
.phone__list-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 4px;
    font-size: var(--fs-sm);
    font-weight: 500;
    color: var(--text-2);
}
.phone__list-icon {
    width: 28px; height: 28px;
    border-radius: var(--r-sm);
    display: flex; align-items: center; justify-content: center;
}

.hero__chip {
    position: absolute;
    background: #fff;
    border-radius: var(--r-md);
    padding: 10px 14px;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 10px;
    z-index: 2;
}
.hero__chip-icon {
    width: 32px; height: 32px;
    border-radius: var(--r-sm);
    display: flex; align-items: center; justify-content: center;
}
.hero__chip-title { font-size: 11px; color: var(--text-4); }
.hero__chip-sub   { font-size: var(--fs-sm); font-weight: 700; color: var(--text-1); }
.hero__chip--1 { top: 8%; left: -10px; }
.hero__chip--2 { bottom: 12%; right: -10px; }

/* ---------- 9. Trust Bar ---------- */
.trustbar {
    background: var(--bg-soft);
    border-bottom: 1px solid var(--divider);
}
.trustbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: var(--sp-4);
    padding-block: 24px;
    flex-wrap: wrap;
}
.trustbar__item {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--text-2);
}

/* ---------- 10. Features ---------- */
.features__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--sp-4);
}
.feature-card {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-5);
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}
.feature-card__icon {
    width: 52px;
    height: 52px;
    border-radius: var(--r-md);
    background: linear-gradient(135deg, var(--c1, #FF7B29) 0%, var(--c2, #FF9500) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--sp-4);
    box-shadow: 0 6px 16px rgba(0,0,0,.12);
}
.feature-card__title {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--text-1);
    margin-bottom: var(--sp-2);
}
.feature-card__text {
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.65;
}

/* ---------- 11. How It Works ---------- */
.how { background: var(--bg-soft); }
.steps {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--sp-4);
}
.steps__line {
    position: absolute;
    top: 32px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: repeating-linear-gradient(90deg, var(--accent) 0 8px, transparent 8px 16px);
    z-index: 0;
}
.step {
    position: relative;
    z-index: 1;
    text-align: center;
    padding: var(--sp-4);
    background: #fff;
    border-radius: var(--r-lg);
    border: 1px solid var(--divider);
    transition: transform .2s ease, box-shadow .2s ease;
}
.step:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}
.step__num {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--accent-grad);
    color: #fff;
    font-weight: 800;
    font-size: var(--fs-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-accent);
}
.step__icon {
    width: 64px;
    height: 64px;
    margin: 16px auto var(--sp-3);
    background: var(--accent-light);
    border-radius: var(--r-lg);
    display: flex;
    align-items: center;
    justify-content: center;
}
.step__title {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--text-1);
    margin-bottom: var(--sp-2);
}
.step__text {
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.6;
}

/* ---------- 12. About ---------- */
.about__inner {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: var(--sp-7);
    align-items: start;
}
.about__content .section__eyebrow { margin-bottom: var(--sp-3); }
.about__content .section__title { text-align: left; margin-bottom: var(--sp-4); }
.about__lead {
    font-size: var(--fs-lg);
    color: var(--text-2);
    line-height: 1.6;
    margin-bottom: var(--sp-4);
}
.about__text {
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.7;
    margin-bottom: var(--sp-5);
}
.about__list {
    display: grid;
    gap: var(--sp-3);
    margin-bottom: var(--sp-6);
}
.about__list li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: var(--fs-md);
    color: var(--text-2);
    font-weight: 500;
}
.about__list svg { flex-shrink: 0; }

.about__stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sp-3);
}
.stat-card {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-5) var(--sp-4);
    text-align: center;
    transition: transform .2s ease, box-shadow .2s ease;
}
.stat-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.stat-card--primary {
    background: var(--accent-grad);
    color: #fff;
    border-color: transparent;
    box-shadow: var(--shadow-accent);
}
.stat-card--primary .stat-card__value,
.stat-card--primary .stat-card__label { color: #fff; }
.stat-card--wide {
    grid-column: span 2;
    background: var(--bg-primary);
    color: #fff;
    border-color: transparent;
}
.stat-card--wide .stat-card__value,
.stat-card--wide .stat-card__label { color: #fff; }
.stat-card__value {
    font-size: var(--fs-2xl);
    font-weight: 800;
    letter-spacing: -.02em;
    color: var(--text-1);
    margin-bottom: 4px;
}
.stat-card__label {
    font-size: var(--fs-sm);
    color: var(--text-3);
}

/* ---------- 13. Reviews ---------- */
.reviews { background: var(--bg-soft); }
.reviews__summary {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    margin-bottom: var(--sp-6);
}
.reviews__score {
    display: flex;
    align-items: center;
    gap: 12px;
}
.reviews__score-num {
    font-size: var(--fs-3xl);
    font-weight: 800;
    color: var(--text-1);
    line-height: 1;
}
.reviews__stars { display: inline-flex; gap: 2px; }
.reviews__count {
    font-size: var(--fs-md);
    color: var(--text-3);
}

.reviews__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--sp-4);
}
.review-card {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-5);
    display: flex;
    flex-direction: column;
    gap: var(--sp-3);
    transition: transform .2s ease, box-shadow .2s ease;
}
.review-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}
.review-card__stars {
    display: inline-flex;
    gap: 2px;
}
.review-card__text {
    font-size: var(--fs-base);
    color: var(--text-2);
    line-height: 1.7;
    flex: 1;
}
.review-card__author {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: var(--sp-3);
    border-top: 1px solid var(--divider);
}
.review-card__avatar {
    width: 40px; height: 40px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: #fff;
    font-weight: 700;
    font-size: var(--fs-md);
}
.review-card__name {
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--text-1);
}
.review-card__meta {
    font-size: var(--fs-xs);
    color: var(--text-4);
}

/* ---------- 14. Apply / CTA ---------- */
.apply {
    background: linear-gradient(180deg, #0D2533 0%, #0A1E2B 100%);
    color: #fff;
    padding-block: var(--sp-8);
}
.apply__panel {
    position: relative;
    background: linear-gradient(135deg, rgba(255,123,41,.12) 0%, rgba(74,144,226,.06) 100%);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--r-xl);
    padding: var(--sp-7);
    overflow: hidden;
}
.apply__bg {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.apply__bg-glow {
    position: absolute;
    top: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, #FF7B29 0%, transparent 70%);
    opacity: .25;
    filter: blur(60px);
}
.apply__content {
    position: relative;
    max-width: 720px;
    margin: 0 auto;
    text-align: center;
}
.apply__title {
    font-size: var(--fs-3xl);
    font-weight: 800;
    color: #fff;
    letter-spacing: -.02em;
    margin: var(--sp-3) 0 var(--sp-3);
}
.apply__subtitle {
    font-size: var(--fs-lg);
    color: var(--text-on-dark-2);
    line-height: 1.6;
    margin-bottom: var(--sp-6);
}

.apply__eligibility {
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.10);
    border-radius: var(--r-lg);
    padding: var(--sp-5);
    margin-bottom: var(--sp-6);
    text-align: left;
}
.apply__eligibility-title {
    font-size: var(--fs-md);
    font-weight: 600;
    color: #fff;
    margin-bottom: var(--sp-3);
}
.apply__eligibility-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
.apply__eligibility-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: var(--fs-base);
    color: rgba(255,255,255,.85);
}

.apply__actions {
    display: flex;
    justify-content: center;
    gap: var(--sp-3);
    margin-bottom: var(--sp-5);
}

.apply__disclosure {
    font-size: var(--fs-xs);
    color: rgba(255,255,255,.55);
    line-height: 1.6;
    max-width: 640px;
    margin: 0 auto;
}

/* ---------- 15. Footer ---------- */
.footer {
    background: #0A1E2B;
    color: rgba(255,255,255,.7);
    padding-top: var(--sp-8);
}
.footer__inner {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
    gap: var(--sp-6);
    padding-bottom: var(--sp-7);
}
.footer__tagline {
    margin-top: var(--sp-3);
    font-size: var(--fs-sm);
    line-height: 1.65;
    color: rgba(255,255,255,.55);
    max-width: 280px;
}
.footer__title {
    color: #fff;
    font-size: var(--fs-md);
    font-weight: 600;
    margin-bottom: var(--sp-4);
}
.footer__links li,
.footer__contact li {
    margin-bottom: 10px;
}
.footer__links a {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,.65);
    transition: color .15s ease;
}
.footer__links a:hover { color: var(--accent); }
.footer__contact li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: var(--fs-sm);
    color: rgba(255,255,255,.7);
}
.footer__contact svg { flex-shrink: 0; }

.footer__bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding-block: var(--sp-5);
}
.footer__bottom-inner {
    display: flex;
    flex-direction: column;
    gap: 8px;
    text-align: center;
}
.footer__copy {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,.6);
}
.footer__legal {
    font-size: var(--fs-xs);
    color: rgba(255,255,255,.40);
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto;
}

/* ---------- 16. Responsive ---------- */
@media (max-width: 960px) {
    .section { padding-block: var(--sp-7); }

    .hero__inner { grid-template-columns: 1fr; gap: var(--sp-6); }
    .hero__visual { min-height: 460px; }
    .hero__stats { flex-wrap: wrap; gap: var(--sp-4); }

    .about__inner { grid-template-columns: 1fr; gap: var(--sp-6); }
    .about__content .section__title { text-align: left; }

    .features__grid { grid-template-columns: repeat(2, 1fr); }
    .reviews__grid  { grid-template-columns: repeat(2, 1fr); }
    .steps          { grid-template-columns: repeat(2, 1fr); gap: var(--sp-5); }
    .steps__line    { display: none; }

    .footer__inner { grid-template-columns: 1fr 1fr; gap: var(--sp-5); }
}

@media (max-width: 680px) {
    .section { padding-block: var(--sp-7); }
    .section__title { font-size: var(--fs-2xl); }
    .section__head { margin-bottom: var(--sp-6); }

    /* Mobile nav */
    .header__cta { display: none; }
    .menu-toggle { display: flex; }
    .nav {
        position: fixed;
        top: var(--header-h);
        left: 0;
        right: 0;
        background: #fff;
        flex-direction: column;
        gap: 0;
        padding: 0 var(--sp-4);
        border-bottom: 1px solid var(--divider);
        box-shadow: var(--shadow-lg);
        transform: translateY(-110%);
        transition: transform .25s ease;
        max-height: calc(100vh - var(--header-h));
        overflow-y: auto;
    }
    .nav--open { transform: translateY(0); }
    .nav__link {
        padding: 16px 0;
        border-bottom: 1px solid var(--divider);
        font-size: var(--fs-md);
    }
    .nav__link::after { display: none; }

    .hero { padding-block: 56px 64px; }
    .hero__title { font-size: 32px; }
    .hero__subtitle { font-size: var(--fs-md); }
    .hero__actions .btn { flex: 1; min-width: 0; }
    .hero__stats { gap: var(--sp-4); }
    .hero__stat-value { font-size: var(--fs-md); }

    .hero__visual { min-height: 440px; }
    .phone { width: 240px; height: 480px; padding: 10px; }
    .phone__screen { padding: 32px 12px 12px; }
    .phone__card-amount { font-size: 22px; }
    .hero__chip { padding: 8px 10px; }
    .hero__chip--1 { top: 4%; left: -8px; }
    .hero__chip--2 { bottom: 8%; right: -8px; }

    .features__grid,
    .reviews__grid,
    .steps {
        grid-template-columns: 1fr;
    }

    .about__stats { grid-template-columns: 1fr 1fr; }
    .stat-card--wide { grid-column: span 2; }

    .apply__panel { padding: var(--sp-5) var(--sp-4); }
    .apply__title { font-size: var(--fs-2xl); }
    .apply__eligibility-list { grid-template-columns: 1fr; }

    .footer__inner { grid-template-columns: 1fr; gap: var(--sp-5); }
    .footer__brand { margin-bottom: var(--sp-2); }
}

@media (max-width: 380px) {
    .hero__stats { flex-direction: column; align-items: flex-start; gap: var(--sp-3); }
    .hero__stat-divider { display: none; }
}

/* ---------- 17. Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
        scroll-behavior: auto !important;
    }
}

/* ---------- 18. Print ---------- */
@media print {
    .header, .menu-toggle, .hero__chip, .apply__bg, .hero__bg { display: none !important; }
    .hero, .apply, .footer { background: #fff !important; color: #000 !important; }
    body { color: #000; }
}

/* ============================================================
   SITE EXPANSION — New pages (calculator, FAQ, blog, contact, legal)
   ============================================================ */

/* ---------- 19. Active nav link ---------- */
.nav__link--active { color: var(--text-1); }
.nav__link--active::after { transform: translateX(-50%) scaleX(1); }

/* ---------- 20. Inner Page Header ---------- */
.page-header {
    position: relative;
    padding: 80px 0 64px;
    background: linear-gradient(180deg, #0D2533 0%, #143240 100%);
    color: #fff;
    overflow: hidden;
    text-align: center;
}
.page-header__bg {
    position: absolute; inset: 0; pointer-events: none;
}
.page-header__glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: .25;
}
.page-header__glow--1 {
    top: -80px; right: -60px;
    width: 360px; height: 360px;
    background: radial-gradient(circle, #FF7B29 0%, transparent 70%);
}
.page-header__glow--2 {
    bottom: -100px; left: -80px;
    width: 320px; height: 320px;
    background: radial-gradient(circle, #4A90E2 0%, transparent 70%);
    opacity: .20;
}
.page-header__grid {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 56px 56px;
    mask-image: radial-gradient(ellipse at center, black 40%, transparent 80%);
    -webkit-mask-image: radial-gradient(ellipse at center, black 40%, transparent 80%);
}
.page-header__title {
    font-size: clamp(32px, 4vw, 44px);
    font-weight: 800;
    color: #fff;
    letter-spacing: -.02em;
    margin-bottom: var(--sp-3);
    position: relative;
}
.page-header__subtitle {
    font-size: var(--fs-lg);
    color: var(--text-on-dark-2);
    max-width: 600px;
    margin: 0 auto;
    position: relative;
    line-height: 1.6;
}
.page-header--sm {
    padding: 56px 0 40px;
}
.page-header--sm .page-header__title {
    font-size: clamp(24px, 3vw, 32px);
}

/* ---------- 21. Breadcrumbs ---------- */
.breadcrumbs {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 16px 0;
    font-size: var(--fs-sm);
    color: var(--text-4);
    background: var(--bg-soft);
    border-bottom: 1px solid var(--divider);
}
.breadcrumbs__inner {
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 var(--sp-4);
    width: 100%;
    display: flex;
    align-items: center;
    gap: 8px;
}
.breadcrumbs a {
    color: var(--text-3);
    text-decoration: none;
    transition: color .15s;
}
.breadcrumbs a:hover { color: var(--accent); }
.breadcrumbs__sep { color: var(--text-4); user-select: none; }
.breadcrumbs__current { color: var(--text-2); font-weight: 500; }

/* ---------- 22. Loan Calculator ---------- */
.calc-section {
    padding: var(--sp-8) 0;
    background: var(--bg-soft);
}
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sp-7);
    align-items: start;
}
.calc-form {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-6);
}
.calc-form__title {
    font-size: var(--fs-xl);
    font-weight: 700;
    margin-bottom: var(--sp-5);
    color: var(--text-1);
}
.calc-slider-group {
    margin-bottom: var(--sp-5);
}
.calc-slider-group:last-of-type {
    margin-bottom: var(--sp-6);
}
.calc-slider__header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--sp-2);
}
.calc-slider__label {
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--text-2);
}
.calc-slider__value {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--accent);
}
.calc-slider__range {
    display: flex;
    justify-content: space-between;
    font-size: var(--fs-xs);
    color: var(--text-4);
    margin-top: 4px;
}
input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--bg-muted);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--accent-grad);
    box-shadow: 0 2px 8px rgba(255,123,41,.3);
    cursor: pointer;
    border: 3px solid #fff;
    transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--accent-grad);
    box-shadow: 0 2px 8px rgba(255,123,41,.3);
    cursor: pointer;
    border: 3px solid #fff;
}
input[type="range"]:focus {
    outline: 2px solid var(--accent);
    outline-offset: 4px;
}
.calc-apr-select {
    display: flex;
    gap: var(--sp-2);
    flex-wrap: wrap;
    margin-bottom: var(--sp-6);
}
.calc-apr-option {
    padding: 8px 20px;
    border: 1.5px solid var(--divider);
    border-radius: var(--r-full);
    font-size: var(--fs-sm);
    font-weight: 500;
    background: #fff;
    cursor: pointer;
    transition: all .15s;
    color: var(--text-2);
}
.calc-apr-option:hover {
    border-color: var(--accent);
    color: var(--accent);
}
.calc-apr-option--active {
    background: var(--accent-grad);
    color: #fff;
    border-color: transparent;
    box-shadow: var(--shadow-accent);
}
.calc-result {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-6);
    text-align: center;
    position: sticky;
    top: calc(var(--header-h) + 24px);
}
.calc-result__badge {
    display: inline-block;
    padding: 4px 14px;
    border-radius: var(--r-full);
    background: var(--accent-light);
    color: var(--accent);
    font-size: var(--fs-xs);
    font-weight: 600;
    margin-bottom: var(--sp-4);
}
.calc-result__amount {
    font-size: clamp(36px, 5vw, 48px);
    font-weight: 800;
    color: var(--text-1);
    letter-spacing: -.03em;
    line-height: 1;
    margin-bottom: 4px;
}
.calc-result__label {
    font-size: var(--fs-sm);
    color: var(--text-4);
    margin-bottom: var(--sp-5);
}
.calc-result__divider {
    height: 1px;
    background: var(--divider);
    margin: var(--sp-4) 0;
}
.calc-result__row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    font-size: var(--fs-md);
}
.calc-result__row + .calc-result__row {
    border-top: 1px solid var(--divider);
}
.calc-result__row-label { color: var(--text-3); }
.calc-result__row-value { font-weight: 600; color: var(--text-1); }
.calc-result__row-value--accent { color: var(--accent); }
.calc-result__row-value--success { color: var(--success); }
.calc-result .btn {
    margin-top: var(--sp-5);
    width: 100%;
}
.calc-result__note {
    font-size: var(--fs-xs);
    color: var(--text-4);
    margin-top: var(--sp-3);
    line-height: 1.5;
}

/* ---------- 23. FAQ ---------- */
.faq-section {
    padding: var(--sp-8) 0;
    background: var(--bg-soft);
}
.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: var(--sp-3);
}
.faq-item {
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    overflow: hidden;
    transition: box-shadow .25s ease, border-color .25s ease;
    background: #fff;
}
.faq-item[open] {
    box-shadow: var(--shadow-md);
    border-color: transparent;
}
.faq-question {
    padding: var(--sp-4) var(--sp-5);
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--text-1);
    cursor: pointer;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--sp-3);
    user-select: none;
    transition: color .15s;
}
.faq-question:hover { color: var(--accent); }
.faq-question::-webkit-details-marker { display: none; }
.faq-question::after {
    content: '+';
    font-size: 24px;
    font-weight: 300;
    color: var(--accent);
    transition: transform .25s ease;
    flex-shrink: 0;
    line-height: 1;
}
.faq-item[open] .faq-question::after { transform: rotate(45deg); }
.faq-answer {
    padding: 0 var(--sp-5) var(--sp-5);
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.7;
}
.faq-answer p { margin-bottom: 12px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-cta {
    text-align: center;
    margin-top: var(--sp-6);
    padding: var(--sp-6);
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}
.faq-cta__title {
    font-size: var(--fs-xl);
    font-weight: 700;
    margin-bottom: var(--sp-2);
    color: var(--text-1);
}
.faq-cta__text {
    font-size: var(--fs-md);
    color: var(--text-3);
    margin-bottom: var(--sp-4);
}

/* ---------- 24. Blog ---------- */
.blog-section {
    padding: var(--sp-8) 0;
}
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--sp-4);
}
.blog-card {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    overflow: hidden;
    transition: transform .2s ease, box-shadow .2s ease;
    display: flex;
    flex-direction: column;
}
.blog-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}
.blog-card__image {
    height: 200px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 38px;
    position: relative;
    overflow: hidden;
    color: rgba(255,255,255,.5);
}
.blog-card__badge {
    position: absolute;
    top: 12px;
    left: 12px;
    padding: 4px 12px;
    border-radius: var(--r-full);
    background: rgba(0,0,0,.35);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    color: #fff;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: .02em;
}
.blog-card__body {
    padding: var(--sp-5);
    flex: 1;
    display: flex;
    flex-direction: column;
}
.blog-card__meta {
    display: flex;
    gap: var(--sp-3);
    font-size: var(--fs-xs);
    color: var(--text-4);
    margin-bottom: var(--sp-2);
}
.blog-card__title {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--text-1);
    margin-bottom: var(--sp-2);
    line-height: 1.35;
}
.blog-card__text {
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.65;
    flex: 1;
    margin-bottom: var(--sp-4);
}
.blog-card__link {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--accent);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: gap .2s ease;
}
.blog-card__link:hover { gap: 10px; }

/* ---------- 25. Contact ---------- */
.contact-section {
    padding: var(--sp-8) 0;
    background: var(--bg-soft);
}
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sp-7);
}
.contact-info {
    display: flex;
    flex-direction: column;
    gap: var(--sp-4);
}
.contact-info__title {
    font-size: var(--fs-2xl);
    font-weight: 800;
    color: var(--text-1);
    margin-bottom: var(--sp-2);
    letter-spacing: -.02em;
}
.contact-info__text {
    font-size: var(--fs-md);
    color: var(--text-3);
    line-height: 1.7;
    margin-bottom: var(--sp-2);
}
.contact-card {
    display: flex;
    align-items: flex-start;
    gap: var(--sp-4);
    padding: var(--sp-4);
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    transition: box-shadow .2s ease;
}
.contact-card:hover { box-shadow: var(--shadow-md); }
.contact-card__icon {
    width: 48px; height: 48px;
    border-radius: var(--r-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.contact-card__label {
    font-size: var(--fs-xs);
    color: var(--text-4);
    margin-bottom: 2px;
    text-transform: uppercase;
    letter-spacing: .05em;
}
.contact-card__value {
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--text-1);
}
.contact-card__value a { color: inherit; }
.contact-card__value a:hover { color: var(--accent); }
.contact-form {
    background: #fff;
    border: 1px solid var(--divider);
    border-radius: var(--r-lg);
    padding: var(--sp-6);
}
.contact-form__title {
    font-size: var(--fs-xl);
    font-weight: 700;
    margin-bottom: var(--sp-5);
    color: var(--text-1);
}

/* ---------- 26. Form Elements ---------- */
.form-group { margin-bottom: var(--sp-4); }
.form-label {
    display: block;
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--text-2);
    margin-bottom: 6px;
}
.form-input,
.form-select,
.form-textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--divider);
    border-radius: var(--r-md);
    font-family: var(--font);
    font-size: var(--fs-base);
    color: var(--text-1);
    background: #fff;
    transition: border-color .2s ease, box-shadow .2s ease;
    outline: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(255,123,41,.12);
}
.form-input::placeholder,
.form-textarea::placeholder { color: var(--text-4); }
.form-textarea {
    resize: vertical;
    min-height: 120px;
}

/* ---------- 27. Legal Pages ---------- */
.legal-section {
    padding: var(--sp-7) 0;
    background: #fff;
}
.legal-prose {
    max-width: 800px;
    margin: 0 auto;
}
.legal-prose h2 {
    font-size: var(--fs-2xl);
    font-weight: 800;
    color: var(--text-1);
    margin-top: var(--sp-7);
    margin-bottom: var(--sp-3);
    letter-spacing: -.02em;
}
.legal-prose h2:first-child { margin-top: 0; }
.legal-prose h3 {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--text-1);
    margin-top: var(--sp-5);
    margin-bottom: var(--sp-2);
}
.legal-prose p {
    font-size: var(--fs-base);
    color: var(--text-3);
    line-height: 1.8;
    margin-bottom: var(--sp-3);
}
.legal-prose ul,
.legal-prose ol {
    margin: var(--sp-3) 0;
    padding-left: 24px;
    color: var(--text-3);
    line-height: 1.8;
}
.legal-prose li { margin-bottom: 8px; }
.legal-prose strong {
    color: var(--text-2);
    font-weight: 600;
}
.legal-prose .legal-date {
    font-size: var(--fs-sm);
    color: var(--text-4);
    margin-bottom: var(--sp-5);
    display: block;
}

/* ---------- 28. Responsive for new sections ---------- */
@media (max-width: 960px) {
    .calc-grid,
    .contact-grid { grid-template-columns: 1fr; }
    .calc-result { position: static; }
    .blog-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 680px) {
    .page-header { padding: 56px 0 40px; }
    .page-header--sm { padding: 40px 0 32px; }
    .page-header__title { font-size: 28px; }
    .page-header__subtitle { font-size: var(--fs-base); }
    .blog-grid { grid-template-columns: 1fr; }
    .contact-form,
    .calc-form,
    .calc-result { padding: var(--sp-4); }
    .calc-result__amount { font-size: var(--fs-3xl); }
    .faq-question {
        padding: var(--sp-3) var(--sp-4);
        font-size: var(--fs-base);
    }
    .faq-answer { padding: 0 var(--sp-4) var(--sp-4); }
}