/* ==========================================================================
 First Finance — global stylesheet
 Modern navy + gold banking identity. No external libraries.
 ========================================================================== */

:root {
    --navy-900: #081d33;
    --navy-800: #0b2b4a;
    --navy-700: #12395f;
    --navy-600: #1a4b73;
    --navy-500: #2c6b8f;
    --gold: #f8b81f;
    --gold-soft: #ffd35c;
    --gold-deep: #d99a08;
    --ink: #1e293b;
    --ink-soft: #55637a;
    --bg: #ffffff;
    --bg-soft: #f4f7fc;
    --bg-tint: #eef3f9;
    --line: #e3eaf1;
    --white: #ffffff;
    --green: #24d366;
    --green-deep: #0fa958;
    --radius: 16px;
    --radius-sm: 9px;
    --shadow: 0 10px 30px rgba(11, 43, 74, .10);
    --shadow-lg: 0 24px 55px rgba(11, 43, 74, .16);
    --font: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
    --maxw: 1200px;
}

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

html { scroll-behavior: smooth; }

body {
    font-family: var(--font);
    color: var(--ink);
    background: var(--bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--navy-600); text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }
button { font: inherit; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

.skip-link {
    position: absolute; left: -9999px; top: 0; z-index: 300;
    background: var(--navy-800); color: #fff; padding: 10px 16px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; text-decoration: none; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    font-weight: 700; font-size: .97rem; line-height: 1;
    padding: 14px 26px; border-radius: 40px;
    border: 1px solid transparent; cursor: pointer;
    transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
    text-decoration: none; white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn.btn-gold { background: var(--gold); color: #20304a; box-shadow: 0 10px 24px rgba(248,184,31,.38); }
.btn.btn-gold:hover { background: var(--gold-soft); box-shadow: 0 12px 30px rgba(248,184,31,.5); }
.btn.btn-outline { border-color: rgba(255,255,255,.65); color: #fff; }
.btn.btn-outline:hover { background: rgba(255,255,255,.14); }
.btn.btn-navy { background: var(--navy-800); color: #fff; box-shadow: 0 10px 24px rgba(11,43,74,.3); }
.btn.btn-navy:hover { background: var(--navy-700); }
.btn.btn-green { background: var(--green); color: #082a15; box-shadow: 0 10px 24px rgba(36,211,102,.4); }
.btn.btn-green:hover { background: #3fe07a; }
.btn.btn-lg { padding: 17px 32px; font-size: 1.05rem; }
.btn.btn-sm { padding: 10px 18px; font-size: .88rem; }
.btn.btn-block { width: 100%; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy-900); color: rgba(255,255,255,.85); font-size: .83rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 18px; flex-wrap: wrap; padding-top: 4px; padding-bottom: 4px; }
.topbar-link { color: var(--gold-soft); display: inline-flex; align-items: center; gap: 7px; font-weight: 600; }
.topbar-link:hover { color: #fff; }
.topbar-addr { display: inline-flex; align-items: center; gap: 7px; }
.topbar-addr svg { color: var(--gold-soft); }

/* ---------- Header ---------- */
.site-header {
    position: sticky; top: 0; z-index: 120;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--line);
    transition: box-shadow .25s ease;
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(11,43,74,.10); }
.header-inner { display: flex; align-items: center; gap: 26px; min-height: 100px; }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.brand:hover { text-decoration: none; }
.brand-mark { flex-shrink: 0; }
.brand-logo { height: 44px; width: auto; object-fit: contain; }
.site-header .brand-logo { height: 88px; }
.brand.brand-light .brand-logo { filter: brightness(0) invert(1); }
.brand-slogan {
    display: block; font-size: .78rem; font-weight: 600; color: var(--navy-600);
    max-width: 68px; line-height: 1.15; text-transform: uppercase; letter-spacing: .06em;
}
.brand-slogan em { font-style: normal; color: var(--gold-deep); font-weight: 800; }
.brand.brand-light .brand-slogan { color: rgba(255,255,255,.72); }
.brand.brand-light .brand-slogan em { color: var(--gold-soft); }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong { font-size: 1.25rem; color: var(--navy-800); letter-spacing: .3px; font-weight: 800; }
.brand-text strong em { font-style: normal; color: var(--gold-deep); }
.brand-text small { font-size: .66rem; color: var(--ink-soft); letter-spacing: .16em; text-transform: uppercase; }
.brand.brand-light .brand-text strong { color: #fff; }
.brand.brand-light small { color: rgba(255,255,255,.66); }

.main-nav { display: flex; align-items: center; justify-content: flex-end; flex: 1; gap: 8px; }
.nav-list { display: flex; align-items: center; gap: 2px; }
.nav-link {
    display: inline-flex; align-items: center; gap: 6px;
    background: none; border: 0; cursor: pointer;
    font-size: .95rem; font-weight: 600; color: var(--ink);
    padding: 9px 13px; border-radius: 8px;
}
.nav-link:hover { background: var(--bg-soft); text-decoration: none; color: var(--navy-700); }
.nav-link.active { color: var(--navy-800); font-weight: 800; }
.nav-link.active::after { content: ""; display: block; }

.caret { transition: transform .2s ease; }
.has-dropdown.open .caret { transform: rotate(180deg); }

.has-dropdown { position: relative; }
.dropdown {
    position: absolute; top: calc(100% + 12px); left: 0; min-width: 250px;
    background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg); padding: 8px;
    opacity: 0; visibility: hidden; transform: translateY(8px);
    transition: opacity .18s ease, transform .18s ease, visibility .18s;
}
.has-dropdown:hover > .dropdown, .has-dropdown:focus-within > .dropdown, .has-dropdown.open > .dropdown {
    opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown a {
    display: block; padding: 9px 12px; border-radius: 7px; font-size: .92rem;
    color: var(--ink); font-weight: 500;
}
.dropdown a:hover { background: var(--bg-soft); color: var(--navy-700); text-decoration: none; }
.dropdown a.active { color: var(--navy-800); font-weight: 700; background: var(--bg-tint); }

.header-actions { display: flex; align-items: center; gap: 12px; margin-left: auto; }

.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy-800); border-radius: 2px; margin: 5px 0; transition: transform .25s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 1120px) {
    .header-btn { display: none; }
    .nav-toggle { display: block; }
    .main-nav {
        position: fixed; top: 0; right: 0; bottom: 0; z-index: 95;
        width: min(360px, 88vw); background: #fff;
        flex-direction: column; align-items: stretch; justify-content: flex-start;
        padding: 90px 22px 34px; gap: 4px; overflow-y: auto;
        transform: translateX(100%); transition: transform .28s ease;
        box-shadow: -18px 0 44px rgba(11,43,74,.16);
    }
    .main-nav.open { transform: translateX(0); }
    .nav-list { flex-direction: column; align-items: stretch; gap: 2px; }
    .nav-link { width: 100%; justify-content: space-between; padding: 14px 12px; font-size: 1.02rem; }
    .nav-cta { margin: 16px 0 0; width: 100%; }
    .dropdown { position: static; box-shadow: none; border: 0; border-left: 2px solid var(--gold); border-radius: 0; margin: 2px 0 10px 12px; min-width: 0; opacity: 1; visibility: visible; transform: none; display: none; padding: 2px 6px; }
    .has-dropdown.open > .dropdown { display: block; }
}

/* ---------- Hero ---------- */
.hero {
    position: relative; overflow: hidden;
    background:
        radial-gradient(1100px 520px at 85% -10%, rgba(44,107,143,.85), transparent 60%),
        radial-gradient(900px 480px at -10% 110%, rgba(248,184,31,.26), transparent 55%),
        linear-gradient(135deg, #081d33 0%, #0b2b4a 55%, #1a4b73 100%);
    color: #fff; padding: 96px 0 110px;
}
.hero-grid {
    position: absolute; inset: 0; opacity: .09;
    background-image: linear-gradient(rgba(255,255,255,.4) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.4) 1px, transparent 1px);
    background-size: 46px 46px;
    mask-image: radial-gradient(ellipse at 50% 0%, #000 25%, transparent 78%);
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero-eyebrow {
    display: inline-flex; align-items: center; gap: 9px; font-size: .82rem; font-weight: 700;
    letter-spacing: .16em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 22px;
    background: rgba(248,184,31,.14); border: 1px solid rgba(248,184,31,.35);
    padding: 7px 14px; border-radius: 30px;
}
.hero h1 { font-size: clamp(2.2rem, 4.8vw, 3.5rem); line-height: 1.1; letter-spacing: -.01em; margin-bottom: 22px; font-weight: 800; }
.hero h1 .accent { color: var(--gold-soft); }
.hero p.lead { font-size: 1.15rem; color: rgba(255,255,255,.86); max-width: 560px; margin-bottom: 32px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 52px; max-width: 620px; }
.hero-stat b { display: block; font-size: 1.9rem; color: var(--gold-soft); line-height: 1; }
.hero-stat span { font-size: .86rem; color: rgba(255,255,255,.78); }

.hero-visual { position: relative; min-height: 380px; display: flex; align-items: center; justify-content: center; }
.hero-float {
    position: absolute; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.18);
    backdrop-filter: blur(8px); border-radius: 14px; padding: 10px 16px;
    display: flex; align-items: center; gap: 10px; font-size: .86rem; font-weight: 600;
    box-shadow: 0 18px 40px rgba(0,0,0,.25); animation: floaty 5s ease-in-out infinite;
}
.hero-float svg { color: var(--gold-soft); }
.hero-float.fl-1 { top: 6%; left: 2%; }
.hero-float.fl-2 { bottom: 14%; right: 0; animation-delay: 1.4s; }
.hero-float.fl-3 { top: 44%; right: -2%; animation-delay: 2.6s; }

@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- Bank cards (hero + credit card pages) ---------- */
.card-stack { position: relative; width: 340px; height: 218px; }
.bank-card {
    position: absolute; width: 340px; height: 218px; border-radius: 22px;
    padding: 24px 26px; display: flex; flex-direction: column; justify-content: space-between;
    box-shadow: 0 30px 60px rgba(0,0,0,.4); transition: transform .3s ease;
}
.bank-card.c1 { transform: rotate(-7deg) translateX(-16px); z-index: 1; background: linear-gradient(135deg, #1a4b73, #081d33); border: 1px solid rgba(255,255,255,.15); }
.bank-card.c2 { transform: rotate(5deg) translateX(10px) translateY(6px); z-index: 2; background: linear-gradient(135deg, #28415f48, #0b2b4a), linear-gradient(135deg, #f8b81f, #d99a08); background-blend-mode: overlay; border: 1px solid rgba(248,184,31,.4); }
.bank-card:hover { transform: translateY(-8px) rotate(0); }
.card-top { display: flex; justify-content: space-between; align-items: flex-start; }
.card-logo { display: flex; align-items: center; gap: 7px; font-weight: 800; font-size: 1.05rem; color: #fff; letter-spacing: .2px; }
.card-logo svg { color: var(--gold-soft); }
.card-chip { width: 44px; height: 34px; }
.card-contactless { width: 22px; height: 22px; color: rgba(255,255,255,.85); margin-left: 10px; align-self: center; }
.card-number { font-family: "Courier New", monospace; font-size: 1.25rem; letter-spacing: 3px; color: rgba(255,255,255,.96); }
.card-row { display: flex; justify-content: space-between; align-items: flex-end; }
.card-row small { display: block; font-size: .6rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.66); }
.card-row strong { font-size: .92rem; color: #fff; letter-spacing: .5px; }
.card-row .card-type { display: flex; flex-direction: column; align-items: flex-end; }
.card-logo-mini { font-weight: 800; font-size: .92rem; color: var(--gold-soft); letter-spacing: 2px; }

@media (max-width: 960px) {
    .hero { padding: 74px 0 80px; }
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-visual { min-height: 300px; }
    .card-stack, .bank-card { width: 290px; height: 186px; }
}

/* ---------- Sections ---------- */
.section { padding: 84px 0; }
.section-soft { background: var(--bg-soft); }
.section-navy { background: linear-gradient(135deg, #0b2b4a, #1a4b73); color: #fff; }
.section-head { max-width: 760px; margin: 0 auto 52px; text-align: center; }
.section-head.left { margin: 0 auto 44px 0; text-align: left; }
.eyebrow {
    display: inline-flex; align-items: center; gap: 9px; font-size: .8rem; font-weight: 700;
    letter-spacing: .16em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 30px; height: 2px; background: var(--gold); }
.section-title { font-size: clamp(1.8rem, 3.4vw, 2.5rem); line-height: 1.18; color: var(--navy-800); letter-spacing: -.01em; margin-bottom: 16px; font-weight: 800; }
.section-navy .section-title { color: #fff; }
.section-sub { color: var(--ink-soft); font-size: 1.04rem; }
.section-navy .section-sub { color: rgba(255,255,255,.8); }

/* ---------- Grids & cards ---------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) {
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
    .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
}

.card {
    background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
    padding: 30px; box-shadow: var(--shadow); transition: transform .22s ease, box-shadow .22s ease;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.card-icon {
    width: 62px; height: 62px; border-radius: 16px; display: flex; align-items: center; justify-content: center;
    background: linear-gradient(135deg, var(--bg-tint), var(--bg-soft)); margin-bottom: 18px;
    border: 1px solid var(--line);
}
.card-icon svg { width: 30px; height: 30px; color: var(--navy-600); }
.card h3 { font-size: 1.18rem; color: var(--navy-800); margin-bottom: 10px; }
.card p { color: var(--ink-soft); font-size: .95rem; }
.card .u-mt { margin-top: 16px; }
.card.gold-tint { border-color: rgba(248,184,31,.55); background: linear-gradient(180deg, #fffdf7, #fff); }
.gold-count {
    width: 40px; height: 40px; border-radius: 50%; background: var(--gold); color: #20304a;
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: .95rem;
}
.card-badge {
    display: inline-flex; align-items: center; gap: 7px; font-size: .78rem; font-weight: 700;
    color: var(--gold-deep); background: rgba(248,184,31,.14); padding: 5px 11px; border-radius: 20px;
    margin-bottom: 12px;
}

.check-list { display: grid; gap: 11px; margin-top: 18px; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; font-size: .95rem; color: var(--ink); }
.check-list li svg { flex-shrink: 0; margin-top: 3px; color: var(--gold-deep); }

/* ---------- Product cards ---------- */
.product-card { position: relative; overflow: hidden; }
.product-card .pro-label {
    position: absolute; top: 16px; right: -30px; transform: rotate(38deg);
    background: var(--gold); color: #20304a; font-size: .7rem; font-weight: 800;
    padding: 4px 40px; letter-spacing: .08em; text-transform: uppercase;
}
.product-card .rate-tag { font-size: 1.5rem; font-weight: 800; color: var(--navy-800); }
.product-card .rate-tag small { font-size: .85rem; color: var(--ink-soft); font-weight: 600; }

/* ---------- Split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 920px) { .split { grid-template-columns: 1fr; gap: 36px; } }
.split-mono { display: flex; align-items: center; justify-content: center; }
.split-media { flex-shrink: 0; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
@media (max-width: 980px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { text-align: center; padding: 30px 20px; }
.step-num {
    width: 56px; height: 56px; border-radius: 50%; margin: 0 auto 16px;
    background: linear-gradient(135deg, var(--navy-800), var(--navy-600)); color: #fff;
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.15rem;
    box-shadow: 0 10px 22px rgba(11,43,74,.3);
}
.step h3 { font-size: 1.05rem; color: var(--navy-800); margin-bottom: 8px; }
.step p { font-size: .9rem; color: var(--ink-soft); }

/* ---------- Stats band ---------- */
.stats-band { background: linear-gradient(135deg, #f8b81f, #ffd35c); padding: 48px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; text-align: center; }
@media (max-width: 800px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }
.stats-grid b { display: block; font-size: 2.4rem; font-weight: 800; color: var(--navy-800); line-height: 1; }
.stats-grid span { font-size: .9rem; color: #3a4a63; font-weight: 600; }

/* ---------- Trust badges ---------- */
.trust-strip { display: flex; gap: 22px; flex-wrap: wrap; justify-content: center; margin-top: 44px; }
.trust-badge {
    display: inline-flex; align-items: center; gap: 10px; font-size: .9rem; font-weight: 600;
    color: var(--navy-800); background: #fff; border: 1px solid var(--line);
    padding: 11px 18px; border-radius: 30px; box-shadow: var(--shadow);
}
.trust-badge svg { color: var(--gold-deep); }

/* ---------- Rate table ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow); }
.rate-table { width: 100%; border-collapse: collapse; background: #fff; min-width: 640px; }
.rate-table th {
    background: var(--navy-800); color: #fff; text-align: left; padding: 14px 18px; font-size: .88rem;
    letter-spacing: .04em; text-transform: uppercase;
}
.rate-table td { padding: 15px 18px; border-top: 1px solid var(--line); font-size: .95rem; }
.rate-table tbody tr:hover { background: var(--bg-soft); }
.rate-table td b { color: var(--navy-800); }
.rate-flag { display: inline-flex; align-items: center; gap: 6px; color: var(--gold-deep); font-weight: 700; }

/* ---------- FAQ ---------- */
.faq-group { display: grid; gap: 12px; max-width: 820px; margin: 0 auto; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.faq-item summary {
    cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center;
    gap: 16px; padding: 18px 22px; font-weight: 700; color: var(--navy-800); font-size: 1.02rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
    content: "+"; font-size: 1.5rem; font-weight: 400; color: var(--gold-deep);
    transition: transform .2s ease; flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 22px 20px; color: var(--ink-soft); font-size: .95rem; }

/* ---------- Testimonials ---------- */
.testi-card { display: flex; flex-direction: column; gap: 16px; }
.testi-stars { color: var(--gold); display: flex; gap: 3px; }
.testi-card blockquote { font-size: .98rem; color: var(--ink); font-style: italic; }
.testi-person { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
    width: 46px; height: 46px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-600), var(--navy-800)); color: #fff;
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1rem;
}

/* ---------- CTA band ---------- */
.cta-band {
    position: relative; overflow: hidden;
    background: linear-gradient(135deg, #081d33, #0b2b4a 60%, #1a4b73);
    color: #fff; padding: 64px 0;
}
.cta-band::before {
    content: ""; position: absolute; inset: 0; opacity: .08;
    background-image: linear-gradient(rgba(255,255,255,.4) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.4) 1px, transparent 1px);
    background-size: 44px 44px;
}
.cta-inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.cta-title { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; margin-bottom: 8px; }
.cta-sub { color: rgba(255,255,255,.82); max-width: 640px; font-size: 1rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.78); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 46px; }
@media (max-width: 980px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-blurb { margin: 18px 0 20px; font-size: .92rem; color: rgba(255,255,255,.62); max-width: 310px; }
.contact-list { display: grid; gap: 12px; font-size: .9rem; }
.contact-list li { display: flex; gap: 10px; align-items: flex-start; }
.contact-list svg { flex-shrink: 0; margin-top: 4px; color: var(--gold-soft); }
.contact-list a { color: rgba(255,255,255,.85); }
.contact-list a:hover { color: var(--gold-soft); }
.footer-col h3 { color: #fff; font-size: .95rem; margin-bottom: 16px; letter-spacing: .04em; text-transform: uppercase; }
.footer-col ul { display: grid; gap: 10px; }
.footer-col a { color: rgba(255,255,255,.72); font-size: .92rem; }
.footer-col a:hover { color: var(--gold-soft); text-decoration: none; }
.footer-sub { margin-top: 24px; }
.footer-notice {
    border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12);
    padding: 22px 0; font-size: .82rem; color: rgba(255,255,255,.55);
}
.footer-notice strong { color: rgba(255,255,255,.75); letter-spacing: .06em; }
.footer-bottom {
    display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
    padding: 22px 0; font-size: .88rem; color: rgba(255,255,255,.6);
}
.footer-bottom a { color: rgba(255,255,255,.75); }

/* ---------- WhatsApp widget ---------- */
.wa-widget { position: fixed; right: 22px; bottom: 22px; z-index: 400; display: flex; flex-direction: column; align-items: flex-end; gap: 14px; }
.wa-panel {
    width: 320px; max-width: calc(100vw - 44px);
    background: #fff; border-radius: 18px; box-shadow: 0 24px 60px rgba(8,29,51,.28);
    border: 1px solid var(--line); overflow: hidden;
    opacity: 0; visibility: hidden; transform: translateY(18px) scale(.96);
    transform-origin: bottom right;
    transition: opacity .25s ease, transform .25s ease, visibility .25s;
}
.wa-widget.open .wa-panel { opacity: 1; visibility: visible; transform: translateY(0) scale(1); }
.wa-head { background: linear-gradient(135deg, #128c7e, #25d366); color: #fff; padding: 18px 20px; display: flex; gap: 12px; align-items: center; }
.wa-avatar { width: 44px; height: 44px; border-radius: 50%; background: #fff; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.wa-head b { display: block; font-size: .98rem; }
.wa-head span { font-size: .8rem; opacity: .92; }
.wa-head .wa-online { display: inline-flex; align-items: center; gap: 5px; font-size: .74rem; }
.wa-head .wa-online::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #b7f0c2; }
.wa-body { padding: 18px 20px; background: #e5ddd5; }
.wa-bubble {
    background: #fff; border-radius: 12px 12px 12px 3px; padding: 12px 14px; font-size: .88rem;
    color: #303030; box-shadow: 0 2px 8px rgba(0,0,0,.08); max-width: 90%;
}
.wa-bubble small { display: block; color: #9a9a9a; font-size: .68rem; margin-top: 5px; text-align: right; }
.wa-body .wa-actions { display: grid; gap: 8px; margin-top: 14px; }
.wa-actions a { width: 100%; justify-content: center; }
.wa-actions .btn-green svg { width: 17px; height: 17px; }
.wa-actions .btn-gold svg { width: 17px; height: 17px; }
.wa-button {
    width: 60px; height: 60px; border-radius: 50%; border: 0; cursor: pointer;
    background: linear-gradient(135deg, #128c7e, #25d366);
    box-shadow: 0 12px 26px rgba(37,211,102,.45);
    display: flex; align-items: center; justify-content: center;
    position: relative; transition: transform .2s ease, box-shadow .2s ease;
}
.wa-button:hover { transform: scale(1.08); }
.wa-button svg { width: 30px; height: 30px; fill: #fff; }
.wa-button .wa-close { display: none; }
.wa-widget.open .wa-button .wa-chat { display: none; }
.wa-widget.open .wa-button .wa-close { display: block; }
.wa-button .wa-ping {
    position: absolute; inset: 0; border-radius: 50%;
    background: rgba(37,211,102,.55); animation: waPing 1.9s ease-out infinite;
    z-index: -1;
}
.wa-widget.open .wa-ping { display: none; }
@keyframes waPing { 0% { transform: scale(1); opacity: .8; } 100% { transform: scale(1.65); opacity: 0; } }
.wa-note {
    position: absolute; right: 74px; top: 50%; transform: translateY(-50%);
    background: #fff; border: 1px solid var(--line); color: var(--navy-800);
    font-size: .82rem; font-weight: 700; padding: 9px 14px; border-radius: 12px 3px 12px 12px;
    box-shadow: var(--shadow); white-space: nowrap; opacity: 1; transition: opacity .3s ease;
}
.wa-widget.open .wa-note { opacity: 0; visibility: hidden; }
.wa-note::after { content: ""; position: absolute; right: -5px; top: 50%; transform: translateY(-50%) rotate(45deg); width: 10px; height: 10px; background: #fff; border-right: 1px solid var(--line); border-top: 1px solid var(--line); }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
    position: relative; overflow: hidden;
    background:
        radial-gradient(900px 420px at 90% -20%, rgba(44,107,143,.8), transparent 60%),
        radial-gradient(700px 420px at -10% 120%, rgba(248,184,31,.22), transparent 55%),
        linear-gradient(135deg, #081d33, #0b2b4a 60%, #1a4b73);
    color: #fff; padding: 84px 0 92px;
}
.page-hero-grid {
    position: absolute; inset: 0; opacity: .08;
    background-image: linear-gradient(rgba(255,255,255,.4) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.4) 1px, transparent 1px);
    background-size: 46px 46px; mask-image: radial-gradient(ellipse at 50% 0%, #000 30%, transparent 80%);
}
.page-hero-inner { position: relative; max-width: 820px; }
.breadcrumb { display: flex; gap: 10px; align-items: center; font-size: .82rem; color: rgba(255,255,255,.7); margin-bottom: 18px; }
.breadcrumb a { color: var(--gold-soft); }
.breadcrumb a:hover { text-decoration: none; color: #fff; }
.page-hero h1 { font-size: clamp(2rem, 4.2vw, 3rem); font-weight: 800; line-height: 1.12; margin-bottom: 16px; }
.page-hero h1 .accent { color: var(--gold-soft); }
.page-hero p { font-size: 1.08rem; color: rgba(255,255,255,.85); max-width: 660px; }
.page-hero .hero-ctas { margin-top: 26px; }

/* ---------- Contact form ---------- */
.contact-form { display: grid; gap: 16px; }
.form-group { display: grid; gap: 7px; }
.form-group label { font-size: .86rem; font-weight: 700; color: var(--navy-800); }
.form-field {
    width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px;
    font: inherit; font-size: .95rem; background: #fff; transition: border-color .2s ease, box-shadow .2s ease;
}
.form-field:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(248,184,31,.22); }
textarea.form-field { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 640px) { .form-row { grid-template-columns: 1fr; } }

/* ---------- Featured banner ---------- */
.featured-banner {
    position: relative; overflow: hidden;
    background: linear-gradient(90deg, #f8b81f, #ffd35c); color: #20304a;
    padding: 22px 0; z-index: 5;
}
.featured-inner { display: flex; align-items: center; justify-content: center; gap: 18px; flex-wrap: wrap; text-align: center; }
.featured-inner b { font-size: 1.02rem; }
.featured-inner span { font-size: .92rem; font-weight: 600; }
.featured-inner .btn { background: var(--navy-800); color: #fff; }

/* ---------- Misc utilities ---------- */
.text-center { text-align: center; }
.u-mt { margin-top: 14px; }
.u-mt-lg { margin-top: 34px; }
.u-mb { margin-bottom: 14px; }
.u-mb-lg { margin-bottom: 34px; }
.gap-sm { gap: 16px; }

/* ---------- Price / amount dial ---------- */
.amount-pill {
    display: inline-flex; align-items: center; gap: 8px;
    background: #fff; border: 1px solid var(--line); border-radius: 40px; padding: 14px 22px;
    font-size: 1.3rem; font-weight: 800; color: var(--navy-800); box-shadow: var(--shadow);
}
.js-display-amount { color: var(--gold-deep); }

@media (prefers-reduced-motion: reduce) {
    .reveal { opacity: 1; transform: none; }
    .bank-card, .hero-float { animation: none; }
    html { scroll-behavior: auto; }
}