/* ================================================================
   ARHAM FINTECH — Stylesheet
   Design: Deep Green (#071408) + Bright Green (#3CB51A) brand palette
   Font: Poppins (headings) + Inter (body)
================================================================ */

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: #1e293b;
  background: #f8fafc;
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

/* ── CSS Variables ── */
:root {
  /* Dark greens for backgrounds */
  --navy: #071408;
  --navy-2: #0D1E0A;
  --navy-3: #1A3A12;

  /* Brand greens */
  --green-primary: #3CB51A;
  --green-dark: #2A8A10;
  --green-light: #7ED64A;
  --green-xlight: #B8F08A;

  /* Secondary accent (deeper green variety) */
  --blue: #1A6B14;
  --blue-light: #3CB51A;

  /* Alias – used by class names (btn-gold, etc.) */
  --gold: #3CB51A;
  --gold-dark: #2A8A10;
  --gold-light: #7ED64A;

  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --success: #22c55e;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.12);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.15);
  --shadow-green: 0 8px 32px rgba(60,181,26,0.30);

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;

  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

/* ── Section ── */
.section { padding: 96px 0; }
.section-header { text-align: center; margin-bottom: 60px; }
.section-tag {
  display: inline-block;
  background: rgba(60,181,26,0.12);
  color: var(--green-dark);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 16px;
  border: 1px solid rgba(60,181,26,0.3);
}
.section-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(26px, 4vw, 40px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 17px;
  color: var(--gray-600);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.7;
}
.gradient-text {
  background: linear-gradient(135deg, var(--green-primary) 0%, var(--green-light) 50%, var(--green-primary) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--green-primary);
  color: white;
}
.btn-primary:hover { background: var(--green-dark); transform: translateY(-1px); box-shadow: var(--shadow-green); }
.btn-gold {
  background: linear-gradient(135deg, var(--green-primary) 0%, var(--green-light) 100%);
  color: white;
  font-weight: 700;
  box-shadow: 0 4px 16px rgba(60,181,26,0.30);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(60,181,26,0.40); }
.btn-outline {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.4);
  color: white;
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: white; }
.btn-outline-blue {
  background: transparent;
  border: 1.5px solid var(--green-primary);
  color: var(--green-dark);
}
.btn-outline-blue:hover { background: var(--green-primary); color: white; }
.btn-outline-gold {
  background: transparent;
  border: 1.5px solid var(--green-primary);
  color: var(--green-primary);
}
.btn-outline-gold:hover { background: var(--green-primary); color: white; }
.btn-ghost {
  background: rgba(255,255,255,0.12);
  color: white;
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover { background: rgba(255,255,255,0.2); }
.btn-lg { padding: 16px 32px; font-size: 16px; border-radius: var(--radius-md); }
.btn-block { display: flex; width: 100%; justify-content: center; }

/* ================================================================
   HEADER
================================================================ */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(15, 26, 15, 0.45);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  transition: var(--transition);
}
.header.scrolled {
  background: rgba(7,20,8,0.97);
  border-bottom-color: rgba(60,181,26,0.2);
  box-shadow: 0 4px 24px rgba(0,0,0,0.35);
}
/* Nav links — white on green hero */
.nav-link { color: rgba(255,255,255,0.85); }
.nav-link:hover { color: white; background: rgba(255,255,255,0.15); }
.header.scrolled .nav-link { color: rgba(255,255,255,0.7); }
.header.scrolled .nav-link:hover { color: var(--green-light); background: rgba(60,181,26,0.1); }
/* Logo */
.logo-main { color: white; }
/* Outline header secondary button (if used) */
.btn-outline { border-color: rgba(255,255,255,0.45); color: white; background: rgba(255,255,255,0.1); }
.btn-outline:hover { background: rgba(255,255,255,0.2); border-color: white; }
/* Hamburger */
.hamburger span { background: white; }
.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 72px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon { flex-shrink: 0; display: flex; align-items: center; }
.logo-icon img { width: 44px; height: 44px; object-fit: contain; }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-main {
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.5px;
}
.logo-sub {
  font-size: 11px;
  font-weight: 600;
  color: var(--green-primary);
  letter-spacing: 2px;
  text-transform: uppercase;
}

/* Nav */
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav-link {
  color: rgba(255,255,255,0.75);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover { color: var(--green-light); background: rgba(60,181,26,0.1); }
.header-actions { display: flex; align-items: center; gap: 10px; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.hamburger span { display: block; width: 22px; height: 2px; background: white; border-radius: 2px; transition: var(--transition); }

/* Mobile Nav */
.mobile-nav {
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: white;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  z-index: 999;
  transform: translateY(-120%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  border-bottom: 1px solid rgba(60,181,26,0.1);
  box-shadow: 0 20px 40px rgba(0,0,0,0.5);
}
.mobile-nav.open { transform: translateY(0); }
.mobile-nav-link {
  color: var(--gray-800);
  font-size: 16px;
  font-weight: 500;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  border-bottom: 1px solid rgba(60,181,26,0.08);
  transition: var(--transition);
}
.mobile-nav-link:hover { color: var(--green-dark); background: rgba(60,181,26,0.06); }
.mobile-cta { margin-top: 16px; }

/* ================================================================
   HERO — animated, deeper green
================================================================ */

/* ── Keyframes ── */
@keyframes float1 {
  0%,100% { transform: translateY(0) scale(1) rotate(0deg); }
  50%     { transform: translateY(-32px) scale(1.06) rotate(3deg); }
}
@keyframes float2 {
  0%,100% { transform: translateY(0) rotate(0deg); }
  50%     { transform: translateY(22px) rotate(-4deg); }
}
@keyframes orbitRing {
  from { transform: translateY(-50%) rotate(0deg); }
  to   { transform: translateY(-50%) rotate(360deg); }
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeLeft {
  from { opacity: 0; transform: translateX(-20px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes shimmerText {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 6px rgba(126, 217, 87, 0.6), 0 0 0 0 rgba(126, 217, 87, 0.25); }
  50%       { box-shadow: 0 0 12px rgba(126, 217, 87, 0.9), 0 0 0 6px rgba(126, 217, 87, 0); }
}
@keyframes trustFade {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

.hero {
  --hero-forest: #1a2e1a;
  --hero-forest-deep: #0f1a0f;
  --hero-lime: #7ed957;
  --hero-lime-solid: #66bb6a;
  position: relative;
  min-height: 100vh;
  background:
    radial-gradient(ellipse 90% 70% at 15% 12%, rgba(55, 95, 58, 0.55) 0%, transparent 55%),
    radial-gradient(ellipse 60% 50% at 50% 40%, rgba(35, 58, 38, 0.4) 0%, transparent 50%),
    linear-gradient(165deg, var(--hero-forest-deep) 0%, var(--hero-forest) 45%, #122018 100%);
  display: flex;
  align-items: center;
  padding-top: 72px;
  overflow: hidden;
}

/* Subtle texture */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  z-index: 0;
}

/* Glowing blobs — soft, forest-toned */
.hero-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; }
.hero-shape { position: absolute; border-radius: 50%; filter: blur(80px); }

.hero-shape-1 {
  width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(126, 217, 87, 0.12) 0%, transparent 65%);
  top: -160px; right: -100px;
  animation: float1 9s ease-in-out infinite;
}
.hero-shape-2 {
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(20, 40, 24, 0.6) 0%, transparent 65%);
  bottom: 80px; left: -100px;
  animation: float2 11s ease-in-out infinite;
}
.hero-shape-3 {
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(126, 217, 87, 0.06) 0%, transparent 65%);
  top: 35%; left: 35%;
  animation: float1 13s ease-in-out infinite reverse;
}

/* Very subtle rings (glass hero aesthetic) */
.hero-bg::before {
  content: '';
  position: absolute;
  width: 480px; height: 480px;
  border-radius: 50%;
  border: 1px dashed rgba(126, 217, 87, 0.12);
  top: 50%; right: -60px;
  transform: translateY(-50%);
  animation: orbitRing 32s linear infinite;
  pointer-events: none;
}
.hero-bg::after {
  content: '';
  position: absolute;
  width: 640px; height: 640px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.06);
  top: 50%; right: -200px;
  transform: translateY(-50%);
  animation: orbitRing 48s linear infinite reverse;
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  min-height: calc(100vh - 72px);
  padding: 60px 24px;
}

/* ── Text entrance animations ── */
.hero-badge    { animation: fadeLeft 0.65s cubic-bezier(0.22,1,0.36,1) 0.15s both; }
.hero-title    { animation: fadeUp 0.80s cubic-bezier(0.22,1,0.36,1) 0.30s both; }
.hero-subtitle { animation: fadeUp 0.70s cubic-bezier(0.22,1,0.36,1) 0.50s both; }
.hero-cta      { animation: fadeUp 0.70s cubic-bezier(0.22,1,0.36,1) 0.65s both; }
.hero-trust    { animation: fadeUp 0.60s cubic-bezier(0.22,1,0.36,1) 0.82s both; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(15, 26, 15, 0.55);
  border: 1px solid rgba(126, 217, 87, 0.45);
  color: rgba(255, 255, 255, 0.95);
  font-size: 13px;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 100px;
  margin-bottom: 24px;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.2);
}
.badge-dot {
  width: 8px; height: 8px;
  background: var(--hero-lime, #7ed957);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(126, 217, 87, 0.45);
  animation: pulse 2s ease-in-out infinite;
}

.hero-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(36px, 5vw, 62px);
  font-weight: 800;
  color: white;
  line-height: 1.08;
  margin-bottom: 20px;
  letter-spacing: -2px;
  text-shadow: 0 2px 24px rgba(0, 0, 0, 0.25);
}
.hero-title-accent {
  color: var(--hero-lime, #7ed957);
  font-weight: 800;
}
.hero-subtitle {
  font-size: 17px;
  color: rgba(255,255,255,0.82);
  margin-bottom: 36px;
  line-height: 1.75;
  max-width: 480px;
}
.hero-cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}
/* Primary CTA — solid lime on hero */
.btn-hero-primary {
  background: var(--hero-lime-solid, #66bb6a);
  color: #fff;
  font-weight: 700;
  border: none;
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.25), 0 0 0 1px rgba(255, 255, 255, 0.1);
  transition: var(--transition);
}
.btn-hero-primary:hover {
  background: #5cb85c;
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);
  color: #fff;
}
.btn-hero-outline {
  background: rgba(255, 255, 255, 0.04);
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.38);
  font-weight: 600;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}
.btn-hero-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.55);
  color: #fff;
}
.hero-trust {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 13px;
  font-weight: 500;
  animation: trustFade 0.5s ease both;
}
.trust-item svg {
  color: var(--hero-lime, #7ed957);
  flex-shrink: 0;
}
.trust-item:nth-child(1) { animation-delay: 0.9s; }
.trust-item:nth-child(2) { animation-delay: 1.0s; }
.trust-item:nth-child(3) { animation-delay: 1.1s; }

/* ── Hero right — glassmorphism loan mockup ── */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}

.hero-mockup {
  display: flex;
  align-items: center;
  gap: 0;
  width: 100%;
  max-width: 520px;
  position: relative;
  animation: heroMockupIn 0.9s cubic-bezier(0.22, 1, 0.36, 1) 0.35s both;
}

@keyframes heroMockupIn {
  from { opacity: 0; transform: translateX(28px) scale(0.98); }
  to   { opacity: 1; transform: translateX(0) scale(1); }
}

.hero-mockup-main {
  flex: 1;
  min-width: 0;
  padding: 24px 26px 22px;
  border-radius: 22px;
  background: linear-gradient(
    160deg,
    rgba(55, 95, 62, 0.55) 0%,
    rgba(32, 58, 38, 0.75) 50%,
    rgba(24, 48, 32, 0.85) 100%
  );
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow:
    0 24px 56px rgba(0, 0, 0, 0.35),
    0 0 0 1px rgba(126, 217, 87, 0.08) inset;
  z-index: 2;
}

.hmm-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 18px;
}

.hmm-logo {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: #fff;
  color: #2d7a32;
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
  font-size: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: -0.5px;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.15);
}

.hmm-product {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.92);
}

.hmm-amount {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(32px, 4.5vw, 40px);
  font-weight: 800;
  color: #fff;
  letter-spacing: -1px;
  line-height: 1.1;
}

.hmm-rate {
  font-size: 15px;
  font-weight: 600;
  color: var(--hero-lime, #7ed957);
  margin: 6px 0 20px;
}

.hmm-inner {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  padding: 14px 12px;
  border-radius: 14px;
  background: rgba(8, 18, 12, 0.55);
  border: 1px solid rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.hmm-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 4px;
}

.hmm-stat-label {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
}

.hmm-stat-value {
  font-size: 13px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.95);
}

.hmm-stat-ok {
  color: var(--hero-lime, #7ed957);
}

/* Stacked side stat cards */
.hero-mockup-side {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-left: -12px;
  z-index: 1;
  padding-top: 8px;
  padding-bottom: 8px;
}

.hms-card {
  padding: 14px 18px 16px;
  min-width: 130px;
  border-radius: 16px;
  background: rgba(12, 28, 18, 0.55);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(126, 217, 87, 0.35);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.hms-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.3);
}

.hms-num {
  font-family: 'Poppins', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--hero-lime, #7ed957);
  line-height: 1.1;
  letter-spacing: -0.5px;
}

.hms-pct {
  font-size: 0.75em;
  font-weight: 800;
  margin-left: 1px;
}

.hms-label {
  font-size: 11px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.88);
  margin-top: 4px;
  line-height: 1.35;
}
.hms-card--ecosystem {
  min-width: 168px;
  max-width: 200px;
}

/* Hero Wave */
.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; }
.hero-wave svg { width: 100%; display: block; }

/* ================================================================
   STATS BAR
================================================================ */
.stats-bar {
  background: white;
  padding: 40px 0;
  box-shadow: var(--shadow-md);
  position: relative;
  z-index: 1;
}
.stats-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0 40px;
  flex: 1;
  min-width: 160px;
}
.stat-number {
  font-family: 'Poppins', sans-serif;
  font-size: 40px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  display: inline;
}
.stat-suffix {
  font-family: 'Poppins', sans-serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--green-primary);
  display: inline;
}
.stat-label {
  font-size: 13px;
  color: var(--gray-600);
  font-weight: 500;
  margin-top: 4px;
  display: block;
  width: 100%;
  text-align: center;
}
.stat-divider {
  width: 1px;
  height: 60px;
  background: var(--gray-200);
}

/* ================================================================
   PRODUCTS
================================================================ */
.products-section { background: var(--gray-50); }
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}
.product-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1.5px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(60,181,26,0.25);
}
.product-featured {
  border-color: var(--green-primary);
  background: linear-gradient(160deg, #fff 0%, #f2fdf0 100%);
  box-shadow: 0 4px 24px rgba(60,181,26,0.12);
}
.product-featured:hover { box-shadow: 0 8px 40px rgba(60,181,26,0.22); }

/* LAS card spans full row */
.products-grid .las-featured-card {
  grid-column: 1 / -1;
}
.product-icon { margin-bottom: 4px; }
.product-tag {
  position: absolute;
  top: 20px; right: 20px;
  background: var(--green-primary);
  color: white;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 4px 10px;
  border-radius: 100px;
}
.product-name {
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
}
.product-desc {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.6;
}
.product-features { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.product-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-600);
}
.product-features li::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--green-primary);
  border-radius: 50%;
  flex-shrink: 0;
}
/* ── LAS Featured Card ── */
.las-featured-card {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, #f2fdf2 0%, #e8fde8 60%, #ffffff 100%);
  border: 1.5px solid rgba(60,181,26,0.25);
  box-shadow: 0 8px 40px rgba(60,181,26,0.12);
  padding: 40px;
}
.las-featured-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 56px rgba(60,181,26,0.18);
}
.las-content {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: center;
}
.las-left { display: flex; flex-direction: column; gap: 20px; }
.las-tag { position: static; display: inline-block; width: fit-content; }
.las-title { font-size: clamp(22px,2.5vw,32px); }

.las-highlights {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 12px;
}
.las-hl {
  background: white;
  border: 1.5px solid rgba(60,181,26,0.15);
  border-radius: var(--radius-md);
  padding: 14px 12px;
  text-align: center;
}
.las-hl-num {
  font-family: 'Poppins', sans-serif;
  font-size: 26px;
  font-weight: 800;
  color: var(--green-primary);
  line-height: 1;
}
.las-hl-label {
  font-size: 11px;
  color: var(--gray-600);
  margin-top: 4px;
  font-weight: 500;
}
.las-features { columns: 2; gap: 24px; }
.las-features li { break-inside: avoid; }

.las-how {
  display: flex;
  align-items: center;
  gap: 0;
  background: white;
  border-radius: var(--radius-md);
  padding: 14px 18px;
  border: 1px solid rgba(60,181,26,0.12);
}
.las-how-step {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
  font-size: 12px;
  color: var(--gray-600);
  font-weight: 500;
}
.las-how-dot {
  width: 24px; height: 24px;
  background: var(--green-primary);
  color: white;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.las-how-line {
  width: 20px; height: 2px;
  background: rgba(60,181,26,0.3);
  flex-shrink: 0;
}

/* ── Phone Mockup ── */
.las-right { display: flex; justify-content: center; }
.phone-wrap {
  position: relative;
  width: 240px;
}
.phone-frame {
  width: 240px;
  background: #0D1E0A;
  border-radius: 36px;
  padding: 12px;
  box-shadow:
    0 0 0 2px rgba(60,181,26,0.3),
    0 24px 60px rgba(7,20,8,0.35),
    inset 0 0 0 1px rgba(255,255,255,0.05);
  position: relative;
}
.phone-notch {
  width: 72px; height: 22px;
  background: #0D1E0A;
  border-radius: 0 0 14px 14px;
  margin: 0 auto 8px;
  position: relative;
  z-index: 1;
}
.phone-screen {
  background: #f8fafc;
  border-radius: 26px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

/* App bar */
.app-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 14px 8px;
  background: white;
  border-bottom: 1px solid #f1f5f9;
}
.app-bar-logo {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--navy);
}
.app-bar-bell { opacity: 0.6; }

/* Portfolio */
.app-portfolio {
  background: linear-gradient(135deg, #071408, #1A3A12);
  padding: 14px 14px 16px;
  text-align: center;
}
.app-port-label {
  font-size: 9px;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  font-weight: 600;
  margin-bottom: 4px;
}
.app-port-value {
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: white;
  line-height: 1.1;
}
.app-port-up {
  font-size: 9px;
  color: #7ED64A;
  font-weight: 600;
}

/* Holdings */
.app-holdings {
  background: white;
  padding: 8px 12px;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.app-hold-row {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 4px 0;
  border-bottom: 1px solid #f1f5f9;
}
.app-hold-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
}
.app-hold-name { font-size: 10px; font-weight: 600; color: #334155; flex: 1; }
.app-hold-val  { font-size: 10px; font-weight: 700; color: var(--navy); }

/* LAS Banner */
.app-las-banner {
  background: linear-gradient(135deg, #1A3A12, #2A6018);
  margin: 8px;
  border-radius: 12px;
  padding: 10px 12px;
}
.app-las-header {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 9px;
  font-weight: 700;
  color: rgba(255,255,255,0.8);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}
.app-las-icon {
  width: 18px; height: 18px;
  background: var(--green-primary);
  border-radius: 5px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.app-las-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
}
.app-las-sublabel { font-size: 8px; color: rgba(255,255,255,0.5); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.app-las-amount {
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 800;
  color: white;
  line-height: 1.1;
}
.app-las-btn {
  background: var(--green-primary);
  color: white;
  border: none;
  border-radius: 8px;
  padding: 7px 12px;
  font-size: 10px;
  font-weight: 700;
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  transition: var(--transition);
}
.app-las-btn:hover { background: var(--green-dark); }

/* Toast notification */
.app-toast {
  display: flex;
  align-items: center;
  gap: 8px;
  background: white;
  margin: 6px 8px 10px;
  border-radius: 10px;
  padding: 8px 10px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  border-left: 3px solid var(--green-primary);
  animation: toastSlide 0.5s ease 1.2s both;
}
@keyframes toastSlide {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.app-toast-icon {
  width: 22px; height: 22px;
  background: var(--green-primary);
  color: white;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.app-toast-title { font-size: 10px; font-weight: 700; color: var(--navy); }
.app-toast-sub   { font-size: 9px; color: var(--gray-600); }

/* Floating badges around phone */
.phone-badge {
  position: absolute;
  background: white;
  border: 1.5px solid rgba(60,181,26,0.2);
  border-radius: 100px;
  padding: 5px 11px;
  font-size: 10px;
  font-weight: 700;
  color: var(--green-dark);
  display: flex;
  align-items: center;
  gap: 4px;
  box-shadow: 0 3px 12px rgba(0,0,0,0.08);
  white-space: nowrap;
}
.phone-badge-1 { top: 40px;  left: -70px; animation: badgeFloat 3.5s ease-in-out infinite; }
.phone-badge-2 { top: 160px; right: -64px; animation: badgeFloat 4s ease-in-out infinite 0.8s; }
.phone-badge-3 { bottom: 80px; left: -66px; animation: badgeFloat 3.8s ease-in-out infinite 1.4s; }
@keyframes badgeFloat {
  0%,100% { transform: translateY(0); }
  50%     { transform: translateY(-5px); }
}

/* Responsive LAS card */
@media (max-width: 900px) {
  .las-content { grid-template-columns: 1fr; }
  .las-right { display: none; }
  .las-highlights { grid-template-columns: repeat(2,1fr); }
  .las-features { columns: 1; }
  .las-how { flex-wrap: wrap; gap: 10px; }
  .las-how-line { display: none; }
}
@media (max-width: 600px) {
  .las-featured-card { padding: 24px 18px; }
  .las-highlights { grid-template-columns: repeat(2,1fr); }
}

/* Product relation badge */
.product-relation {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 100px;
  width: fit-content;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.product-relation-share {
  background: rgba(60,181,26,0.12);
  color: var(--green-dark);
  border: 1px solid rgba(60,181,26,0.25);
}
.product-relation-secure {
  background: rgba(6,95,70,0.10);
  color: #065f46;
  border: 1px solid rgba(6,95,70,0.25);
}
.product-relation-fintech {
  background: rgba(7,20,8,0.08);
  color: #333;
  border: 1px solid rgba(0,0,0,0.12);
}
.product-relation-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 4px;
}

/* Wide card for invoice discounting */
.product-card-wide {
  grid-column: 1 / -1;
}
@media (min-width: 600px) {
  .product-card-wide {
    grid-column: span 2;
  }
}
@media (min-width: 950px) {
  .product-card-wide {
    grid-column: span 2;
  }
}

/* Instapay tag */
.product-tag-instapay {
  background: linear-gradient(135deg, var(--green-primary), var(--green-dark));
  color: white;
}

/* Instapay flow */
.instapay-how {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  margin: 4px 0;
}
.instapay-step {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: var(--gray-600);
  font-weight: 500;
}
.instapay-num {
  width: 22px; height: 22px;
  background: var(--green-primary);
  color: white;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.instapay-arrow {
  color: var(--green-primary);
  font-weight: 700;
  font-size: 16px;
}
.product-features-inline {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 16px;
}
.instapay-partner-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: rgba(60,181,26,0.07);
  border: 1px solid rgba(60,181,26,0.2);
  border-radius: var(--radius-md);
  padding: 12px 14px;
  font-size: 13px;
  color: var(--gray-600);
  line-height: 1.5;
}
.instapay-partner-note svg { flex-shrink: 0; margin-top: 2px; }
.instapay-partner-note strong { color: var(--green-dark); }

.product-card-cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  border-color: transparent;
  justify-content: center;
  align-items: center;
}
.product-cta-content {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}
.product-cta-icon { font-size: 40px; }
.product-card-cta h3 { color: white; font-family: 'Poppins',sans-serif; font-size: 20px; font-weight: 700; }
.product-card-cta p { color: rgba(255,255,255,0.7); font-size: 14px; }

/* ================================================================
   ECOSYSTEM
================================================================ */
.ecosystem-section { background: white; }
.ecosystem-diagram { display: flex; flex-direction: column; gap: 48px; }

.ecosystem-center { display: flex; justify-content: center; }
.eco-center-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%);
  border-radius: var(--radius-xl);
  padding: 28px 40px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35);
  position: relative;
}
.eco-center-card::after {
  content: '';
  position: absolute;
  bottom: -24px; left: 50%;
  transform: translateX(-50%);
  width: 2px; height: 24px;
  background: linear-gradient(to bottom, rgba(60,181,26,0.6), transparent);
}
.eco-center-name {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: white;
}
.eco-center-tag {
  font-size: 12px;
  color: var(--green-primary);
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.ecosystem-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.eco-card {
  background: white;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.eco-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.eco-card-active {
  border-color: var(--green-primary);
  box-shadow: 0 4px 24px rgba(60,181,26,0.15);
}
.eco-card-icon {
  padding: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.eco-icon-fintech { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%); }
.eco-icon-share   { background: linear-gradient(135deg, #1A6B14 0%, #145010 100%); }
.eco-icon-secure  { background: linear-gradient(135deg, #065f46 0%, #047857 100%); }

.eco-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; gap: 10px; }
.eco-card-name {
  font-family: 'Poppins', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
}
.eco-card-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 3px 10px;
  border-radius: 100px;
  background: var(--gray-100);
  color: var(--gray-600);
}
.eco-tag-current {
  background: rgba(60,181,26,0.12);
  color: var(--green-dark);
}
.eco-card-desc {
  font-size: 13px;
  color: var(--gray-600);
  line-height: 1.6;
  flex: 1;
}
.eco-card-highlights { display: flex; flex-wrap: wrap; gap: 6px; }
.eco-card-highlights span {
  background: var(--gray-100);
  color: var(--gray-800);
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 100px;
}
.eco-card-link {
  display: inline-block;
  color: var(--green-dark);
  font-size: 13px;
  font-weight: 600;
  transition: var(--transition);
  margin-top: 4px;
}
.eco-card-link:hover { color: var(--green-primary); }

/* Synergy */
.ecosystem-synergy {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--radius-xl);
  padding: 40px;
}
.synergy-title {
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: white;
  margin-bottom: 28px;
  text-align: center;
}
.synergy-points {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.synergy-point { display: flex; gap: 16px; align-items: flex-start; }
.synergy-icon {
  font-size: 28px;
  flex-shrink: 0;
  width: 48px; height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(60,181,26,0.12);
  border-radius: var(--radius-md);
}
.synergy-point strong { display: block; color: var(--green-light); font-size: 15px; margin-bottom: 6px; font-weight: 700; }
.synergy-point p { color: rgba(255,255,255,0.65); font-size: 13px; line-height: 1.6; }

/* ================================================================
   HOW IT WORKS
================================================================ */
.how-section { background: var(--navy); }
.how-section .section-tag { background: rgba(60,181,26,0.15); color: var(--green-light); border-color: rgba(60,181,26,0.3); }
.how-section .section-title { color: white; }
.how-section .section-subtitle { color: rgba(255,255,255,0.6); }

.steps-track { position: relative; }
.steps-line {
  position: absolute;
  top: 48px;
  left: 12.5%; right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(60,181,26,0.3), rgba(60,181,26,0.6), rgba(60,181,26,0.3), transparent);
}
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-item { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 16px; padding: 0 16px; }
.step-number { font-family: 'Poppins', sans-serif; font-size: 11px; font-weight: 800; color: var(--green-primary); letter-spacing: 2px; }
.step-icon {
  width: 80px; height: 80px;
  background: linear-gradient(135deg, #0D2E0A 0%, #1A5012 100%);
  border: 2px solid rgba(60,181,26,0.35);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
  transition: var(--transition);
}
.step-item:hover .step-icon { border-color: var(--green-primary); box-shadow: 0 0 24px rgba(60,181,26,0.35); transform: scale(1.05); }
.step-title { font-family: 'Poppins', sans-serif; font-size: 16px; font-weight: 700; color: white; }
.step-desc { font-size: 13px; color: rgba(255,255,255,0.55); line-height: 1.6; }

/* ================================================================
   WHY CHOOSE US
================================================================ */
.why-section { background: var(--gray-50); }
.why-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 24px; }
.why-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1.5px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.why-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: rgba(60,181,26,0.3); }
.why-icon {
  width: 52px; height: 52px;
  background: rgba(60,181,26,0.10);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}
.why-card h4 { font-family: 'Poppins', sans-serif; font-size: 16px; font-weight: 700; color: var(--navy); }
.why-card p { font-size: 14px; color: var(--gray-600); line-height: 1.6; }

/* ================================================================
   ELIGIBILITY + EMI CALCULATOR
================================================================ */
.eligibility-section { background: white; }
.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.eligibility-content { display: flex; flex-direction: column; gap: 24px; }
.eligibility-content .section-tag { display: inline-block; }
.eligibility-content .section-title { text-align: left; margin-bottom: 0; }
.eligibility-content .section-subtitle { text-align: left; margin: 0; max-width: none; }

.eligibility-tabs { display: flex; gap: 8px; background: var(--gray-100); padding: 4px; border-radius: var(--radius-md); width: fit-content; }
.elig-tab { padding: 10px 20px; border-radius: var(--radius-sm); font-size: 14px; font-weight: 600; color: var(--gray-600); transition: var(--transition); }
.elig-tab.active { background: white; color: var(--navy); box-shadow: var(--shadow-sm); }

.elig-content { display: none; }
.elig-content.active { display: block; }
.elig-list { display: flex; flex-direction: column; gap: 12px; }
.elig-item { display: flex; align-items: center; gap: 12px; font-size: 15px; color: var(--gray-800); }
.elig-check {
  width: 24px; height: 24px;
  background: rgba(60,181,26,0.15);
  color: var(--green-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
  flex-shrink: 0;
}

/* EMI Calculator */
.emi-calculator {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--radius-xl);
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.calc-header h3 { font-family: 'Poppins', sans-serif; font-size: 22px; font-weight: 700; color: white; margin-bottom: 4px; }
.calc-header p { color: rgba(255,255,255,0.6); font-size: 14px; }

.calc-field { display: flex; flex-direction: column; gap: 8px; }
.calc-label { display: flex; justify-content: space-between; align-items: center; color: rgba(255,255,255,0.8); font-size: 14px; font-weight: 500; }
.calc-value { font-weight: 700; color: var(--green-light); font-size: 15px; }
.calc-slider {
  -webkit-appearance: none;
  width: 100%; height: 4px;
  background: rgba(255,255,255,0.15);
  border-radius: 100px;
  outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--green-primary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 8px rgba(60,181,26,0.6);
  transition: var(--transition);
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-range-labels { display: flex; justify-content: space-between; font-size: 11px; color: rgba(255,255,255,0.4); }

.calc-result {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  background: rgba(0,0,0,0.25);
  border-radius: var(--radius-md);
  padding: 16px;
}
.calc-result-item { text-align: center; }
.result-label { font-size: 11px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
.result-value { font-family: 'Poppins', sans-serif; font-size: 16px; font-weight: 800; color: var(--green-light); }

/* ================================================================
   TESTIMONIALS
================================================================ */
.testimonials-section { background: white; }
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.testimonial-card {
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: var(--transition);
}
.testimonial-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.testimonial-featured {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  border-color: transparent;
  box-shadow: var(--shadow-lg);
}
.testimonial-stars { color: var(--green-primary); font-size: 18px; }
.testimonial-text { font-size: 15px; line-height: 1.7; color: var(--gray-600); flex: 1; font-style: italic; }
.testimonial-featured .testimonial-text { color: rgba(255,255,255,0.75); }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--green-primary), var(--green-light));
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 13px;
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 15px; color: var(--navy); }
.testimonial-featured .author-name { color: white; }
.author-role { font-size: 12px; color: var(--gray-400); }
.testimonial-featured .author-role { color: rgba(255,255,255,0.5); }

/* ================================================================
   APPLY FORM
================================================================ */
.apply-section { background: var(--gray-50); }
.apply-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 60px; align-items: start; }
.apply-content { padding-top: 24px; }
.apply-title { font-family: 'Poppins', sans-serif; font-size: clamp(26px, 3.5vw, 40px); font-weight: 700; color: var(--navy); line-height: 1.2; margin: 12px 0; }
.apply-subtitle { font-size: 16px; color: var(--gray-600); margin-bottom: 24px; line-height: 1.6; }
.apply-trust-list { display: flex; flex-direction: column; gap: 12px; }
.apply-trust-item { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 500; color: var(--gray-800); }

.apply-form {
  background: white;
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  border: 1.5px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-label { font-size: 13px; font-weight: 600; color: var(--navy); }
.form-input {
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--gray-800);
  background: var(--gray-50);
  transition: var(--transition);
  outline: none;
  width: 100%;
}
.form-input:focus { border-color: var(--green-primary); background: white; box-shadow: 0 0 0 3px rgba(60,181,26,0.12); }
.form-select { -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1L6 7L11 1' stroke='%2394a3b8' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px; }
.checkbox-label { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--gray-600); line-height: 1.5; cursor: pointer; }
.checkbox-label input { margin-top: 2px; flex-shrink: 0; accent-color: var(--green-primary); }
.checkbox-label a { color: var(--green-dark); text-decoration: underline; }
.form-error {
  background: rgba(220, 38, 38, 0.08);
  border: 1px solid rgba(220, 38, 38, 0.25);
  color: #b91c1c;
  font-size: 14px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
  line-height: 1.45;
}
.form-error[hidden] { display: none !important; }
.form-note { text-align: center; font-size: 12px; color: var(--gray-400); margin-top: -8px; }

/* ================================================================
   FAQ
================================================================ */
.faq-section { background: white; }
.faq-grid { display: flex; flex-direction: column; gap: 12px; max-width: 840px; margin: 0 auto; }
.faq-item { border: 1.5px solid var(--gray-200); border-radius: var(--radius-md); overflow: hidden; transition: var(--transition); }
.faq-item.open { border-color: rgba(60,181,26,0.30); box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  text-align: left;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  gap: 16px;
  background: white;
  transition: var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-item.open .faq-question { color: var(--green-dark); }
.faq-arrow { flex-shrink: 0; color: var(--gray-400); transition: transform 0.3s ease; }
.faq-item.open .faq-arrow { transform: rotate(180deg); color: var(--green-primary); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; background: var(--gray-50); }
.faq-answer p { padding: 16px 24px 20px; font-size: 14px; color: var(--gray-600); line-height: 1.7; }
.faq-item.open .faq-answer { max-height: 300px; }

/* ================================================================
   CONTACT
================================================================ */
.contact-section { background: var(--gray-50); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-info .section-tag { display: inline-block; }
.contact-info .section-title { text-align: left; margin: 0; }
.contact-desc { font-size: 16px; color: var(--gray-600); line-height: 1.7; }

.contact-methods { display: flex; flex-direction: column; gap: 16px; }
.contact-method { display: flex; align-items: flex-start; gap: 16px; }
.contact-icon {
  width: 44px; height: 44px;
  background: rgba(60,181,26,0.10);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-method-label { font-size: 12px; color: var(--gray-400); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.contact-method-value { font-size: 15px; font-weight: 600; color: var(--navy); margin-top: 2px; }
a.contact-method-value:hover { color: var(--green-dark); }

.group-links-title { font-size: 13px; font-weight: 700; color: var(--gray-600); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.group-links-btns { display: flex; gap: 10px; flex-wrap: wrap; }
.group-link-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 18px;
  background: white;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition);
}
.group-link-btn:hover { border-color: var(--green-primary); color: var(--green-dark); }

.contact-map-placeholder {
  background: white;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-200);
  height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.map-inner { display: flex; flex-direction: column; align-items: center; gap: 16px; text-align: center; padding: 40px; }
.map-inner p { color: var(--gray-600); font-size: 15px; line-height: 1.5; }
.map-inner strong { color: var(--navy); }

/* ================================================================
   FOOTER
================================================================ */
.footer {
  background: #122018;
}
.footer-top {
  position: relative;
  overflow: hidden;
  padding: 80px 0;
  border-bottom: 1px solid rgba(126, 217, 87, 0.12);
  background:
    radial-gradient(ellipse 90% 70% at 15% 12%, rgba(55, 95, 58, 0.55) 0%, transparent 55%),
    radial-gradient(ellipse 60% 50% at 50% 40%, rgba(35, 58, 38, 0.4) 0%, transparent 50%),
    linear-gradient(165deg, #0f1a0f 0%, #1a2e1a 45%, #122018 100%);
}
.footer-top::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  z-index: 0;
}
.footer-top .container {
  position: relative;
  z-index: 1;
}
.footer-bottom {
  padding: 24px 0;
}
.footer-top-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand { display: flex; flex-direction: column; gap: 16px; }
.footer-tagline { font-family: 'Poppins', sans-serif; font-size: 15px; font-weight: 600; color: var(--green-primary); }
.footer-reg { font-size: 13px; color: rgba(255,255,255,0.45); line-height: 1.6; max-width: 280px; }
.footer-social { display: flex; gap: 10px; }
.social-link {
  width: 38px; height: 38px;
  background: rgba(60,181,26,0.08);
  border: 1px solid rgba(60,181,26,0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}
.social-link:hover { background: var(--green-primary); color: white; border-color: var(--green-primary); }

.footer-links-col { display: flex; flex-direction: column; gap: 12px; }
.footer-col-title { font-family: 'Poppins', sans-serif; font-size: 14px; font-weight: 700; color: white; margin-bottom: 4px; text-transform: uppercase; letter-spacing: 1px; }
.footer-link { font-size: 14px; color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-link:hover { color: var(--green-light); padding-left: 4px; }

.footer-bottom-inner { display: flex; flex-direction: column; gap: 8px; text-align: center; }
.footer-bottom-inner p { font-size: 13px; color: rgba(255,255,255,0.4); }
.footer-disclaimer { font-size: 11px; max-width: 700px; margin: 0 auto; }

/* ================================================================
   BACK TO TOP
================================================================ */
.back-to-top {
  position: fixed;
  bottom: 32px; right: 32px;
  width: 48px; height: 48px;
  background: var(--green-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-green);
  opacity: 0;
  transform: translateY(16px);
  transition: var(--transition);
  z-index: 900;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover { transform: translateY(-3px); background: var(--green-dark); }

/* ================================================================
   MODAL
================================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(7,20,8,0.75);
  backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2000;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}
.modal-overlay.open { opacity: 1; pointer-events: all; }
.modal {
  background: white;
  border-radius: var(--radius-xl);
  padding: 48px;
  text-align: center;
  max-width: 420px;
  width: 90%;
  transform: scale(0.9);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.modal-overlay.open .modal { transform: scale(1); }
.modal-icon {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, var(--green-primary), var(--green-dark));
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 32px;
  font-weight: 700;
  margin-bottom: 8px;
}
.modal-title { font-family: 'Poppins', sans-serif; font-size: 24px; font-weight: 700; color: var(--navy); }
.modal-desc { font-size: 15px; color: var(--gray-600); line-height: 1.6; }

/* ================================================================
   PARTICLES
================================================================ */
.particles { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.particle {
  position: absolute;
  width: 2px; height: 2px;
  background: rgba(126, 217, 87, 0.35);
  border-radius: 50%;
  animation: particleFloat linear infinite;
}
@keyframes particleFloat {
  0%   { transform: translateY(100vh) translateX(0); opacity: 0; }
  10%  { opacity: 1; }
  90%  { opacity: 1; }
  100% { transform: translateY(-100px) translateX(80px); opacity: 0; }
}

/* ================================================================
   RESPONSIVE
================================================================ */
@media (max-width: 1024px) {
  .footer-top-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; flex-direction: row; flex-wrap: wrap; }
}
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; gap: 40px; padding: 40px 24px 80px; }
  .hero-subtitle { max-width: 100%; margin: 0 auto 36px; }
  .hero-cta { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-visual { order: -1; }
  .hero-mockup {
    flex-direction: column;
    align-items: center;
    max-width: 400px;
    margin: 0 auto;
  }
  .hero-mockup-side {
    flex-direction: row;
    margin-left: 0;
    margin-top: 4px;
    width: 100%;
    justify-content: center;
    gap: 12px;
    flex-wrap: wrap;
  }
  .hms-card { min-width: 140px; flex: 1; text-align: center; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .apply-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-line { display: none; }
}
@media (max-width: 768px) {
  .nav { display: none; }
  .header-actions { display: none; }
  .hamburger { display: flex; margin-left: auto; }
  .section { padding: 64px 0; }
  .section-title { font-size: 26px; }
  .products-grid { grid-template-columns: 1fr; }
  .ecosystem-cards { grid-template-columns: 1fr; }
  .synergy-points { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stat-divider { display: none; }
  .stats-grid { flex-direction: row; flex-wrap: wrap; gap: 24px; }
  .stat-item { min-width: 120px; padding: 0 16px; }
  .form-row { grid-template-columns: 1fr; }
  .apply-form { padding: 24px; }
  .calc-result { grid-template-columns: 1fr; gap: 8px; }
  .calc-result-item { display: flex; justify-content: space-between; align-items: center; }
  .footer-top-inner { grid-template-columns: 1fr; }
  .footer-brand { flex-direction: column; }
  .hero-card-stack { width: 280px; }
  .loan-card { width: 250px; }
  .loan-card-amount { font-size: 22px; }
  .back-to-top { bottom: 20px; right: 20px; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-title { font-size: 32px; letter-spacing: -0.5px; }
  .btn-lg { padding: 14px 24px; font-size: 15px; }
  .steps-grid { grid-template-columns: 1fr; }
  .hero-inner { padding: 40px 0 60px; }
  .hmm-stat-label { font-size: 8px; }
  .hmm-stat-value { font-size: 11px; }
  .hms-num { font-size: 24px; }
}

/* ── Fade-up animations ── */
.fade-up { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }
.fade-up:nth-child(4) { transition-delay: 0.3s; }
.fade-up:nth-child(5) { transition-delay: 0.4s; }
.fade-up:nth-child(6) { transition-delay: 0.5s; }