@import url('https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;0,6..72,600;0,6..72,700;1,6..72,500&family=Public+Sans:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

:root {
  /* Color Palette */
  --navy-dark: #0B1F3A;
  --navy-med: #132B4D;
  --slate: #3E5372;
  --gold: #C89B3C;
  --gold-light: #E4C878;
  --off-white: #F7F5EF;
  --white: #FFFFFF;
  --success: #2F7A54;
  --line: #E2DDD5;
  --charcoal: #1D2430;
  --muted: #5B6472;

  /* Typography */
  --font-serif: 'Newsreader', Georgia, serif;
  --font-sans: 'Public Sans', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: 'IBM Plex Mono', 'SFMono-Regular', Consolas, monospace;

  /* Layout and UI */
  --radius: 4px;
  --shadow-premium: 0 30px 60px -20px rgba(11, 31, 58, 0.15), 0 4px 20px -5px rgba(11, 31, 58, 0.05);
  --shadow-sm: 0 2px 8px rgba(11, 31, 58, 0.04);
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Reset and Defaults */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  background-color: var(--off-white);
  color: var(--charcoal);
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
  position: relative;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  color: var(--navy-dark);
  font-weight: 500;
  line-height: 1.15;
  overflow-wrap: break-word;
  word-break: break-word;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

img {
  max-width: 100%;
  height: auto;
}

/* Utility Classes */
.wrap {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.mono {
  font-family: var(--font-mono);
}

.eyebrow {
  font-family: var(--font-mono);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold);
  font-weight: 600;
  display: block;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: var(--transition);
}

.btn-primary {
  background-color: var(--gold);
  color: var(--navy-dark);
}

.btn-primary:hover {
  background-color: var(--gold-light);
  transform: translateY(-2px);
}

.btn-outline {
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--white);
  background-color: transparent;
}

.btn-outline:hover {
  border-color: var(--white);
  background-color: rgba(255, 255, 255, 0.05);
}

.btn-outline-dark {
  border-color: var(--navy-dark);
  color: var(--navy-dark);
  background-color: transparent;
}

.btn-outline-dark:hover {
  background-color: var(--navy-dark);
  color: var(--white);
}

.section-head {
  margin-bottom: 48px;
  max-width: 720px;
}

.section-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-head h2 {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  margin-top: 12px;
  margin-bottom: 16px;
}

.section-head p {
  font-size: clamp(1rem, 1.2vw, 1.15rem);
  color: var(--slate);
  line-height: 1.5;
}

/* Page Spacing */
section {
  padding: 96px 0;
}

.section-tight {
  padding: 64px 0;
}

.section-dark {
  background-color: var(--navy-dark);
  color: var(--white);
}

.section-dark h2 {
  color: var(--white);
}

.section-dark .section-head p {
  color: #B2BFD0;
}

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */
.topbar {
  background-color: var(--navy-dark);
  color: #B2BFD0;
  font-size: 13px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.topbar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 40px;
}

.topbar-left {
  display: flex;
  gap: 24px;
}

.topbar-left span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.topbar-right {
  display: flex;
  gap: 20px;
  align-items: center;
}

.topbar-right a:hover {
  color: var(--white);
}

.topbar-right .wa {
  background-color: var(--success);
  color: var(--white);
  padding: 4px 12px;
  border-radius: 20px;
  font-weight: 600;
  font-size: 12px;
  display: flex;
  align-items: center;
  gap: 5px;
}

.topbar-right .wa:hover {
  background-color: #246343;
}

header {
  background-color: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

header.scrolled {
  box-shadow: var(--shadow-sm);
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
}

header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  max-width: 1400px;
  padding-left: 32px;
  padding-right: 32px;
}

.logo {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 24px;
  color: var(--navy-dark);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.logo .mark {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: conic-gradient(from 220deg, var(--gold), var(--navy-dark) 65%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
  border: 1px solid var(--gold-light);
}

nav.mainnav {
  display: flex;
  gap: 36px;
  align-items: center;
  height: 100%;
  margin-left: 52px;
  margin-right: auto;
}

nav.mainnav > a, nav.mainnav > div.nav-item {
  font-weight: 600;
  font-size: 14.5px;
  color: var(--navy-dark);
  position: relative;
  padding: 28px 0;
  cursor: pointer;
}

nav.mainnav > a:hover, nav.mainnav > div.nav-item:hover {
  color: var(--gold);
}

nav.mainnav > a.active {
  color: var(--gold);
}

nav.mainnav > a.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background-color: var(--gold);
}

/* Mega Dropdown Menu */
.nav-item {
  position: relative;
}

.nav-item > span {
  display: flex;
  align-items: center;
  gap: 4px;
}

.mega-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background-color: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-premium);
  width: 480px;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  visibility: hidden;
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.2s ease, max-height 0.3s ease;
  padding: 0;
  z-index: 1010;
}

/* Wider menu for Loans list */
.mega-menu.loans-menu {
  width: 600px;
}

.nav-item:hover .mega-menu {
  max-height: 520px;
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  padding: 24px;
}

.nav-item:hover .mega-menu.loans-menu {
  max-height: 640px;
}

.mega-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 16px;
}

.mega-menu.loans-menu .mega-grid {
  grid-template-columns: repeat(2, 1fr);
}

.mega-menu h4 {
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--gold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 12px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 6px;
}

.mega-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 8px 12px;
  border-radius: var(--radius);
  transition: var(--transition);
}

.mega-item:hover {
  background-color: var(--off-white);
}

.mega-item span.title {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--navy-dark);
}

.mega-item span.desc {
  font-size: 11.5px;
  color: var(--slate);
  line-height: 1.3;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header-cta .phone {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 600;
  color: var(--navy-dark);
}

.header-cta .btn {
  padding: 10px 20px;
  font-size: 13.5px;
}

/* Mobile Menu Controls */
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  z-index: 1020;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--navy-dark);
  margin: 5px 0;
  transition: var(--transition);
}

/* Mobile navigation drawer */
.mobile-nav {
  position: fixed;
  top: 0;
  right: -100%;
  width: 320px;
  height: 100vh;
  background-color: var(--white);
  box-shadow: -10px 0 30px rgba(11, 31, 58, 0.1);
  z-index: 999;
  transition: right 0.3s ease;
  padding: 100px 24px 40px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  overflow-y: auto;
}

.mobile-nav.open {
  right: 0;
}

.mobile-nav-links {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.mobile-nav-item {
  border-bottom: 1px solid var(--line);
  padding-bottom: 12px;
}

.mobile-nav-title {
  font-weight: 700;
  font-size: 16px;
  color: var(--navy-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}

.mobile-nav-submenu {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding-left: 12px;
  margin-top: 0;
}

.mobile-nav-submenu.open {
  max-height: 500px;
  margin-top: 10px;
}

.mobile-nav-submenu a {
  font-size: 13.5px;
  color: var(--slate);
  padding: 4px 0;
}

.mobile-nav-cta {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.mobile-nav-cta .phone {
  text-align: center;
  font-family: var(--font-mono);
  font-weight: 600;
}

/* Mobile Back Drop overlay */
.overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: rgba(11, 31, 58, 0.4);
  backdrop-filter: blur(4px);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.overlay.open {
  opacity: 1;
  visibility: visible;
}

/* ==========================================================================
   HERO BANNER & SIGNATURE COMPONENT
   ========================================================================== */
.hero {
  background: radial-gradient(1200px 600px at 80% -10%, #16345f 0%, var(--navy-dark) 60%, #081527 100%);
  color: var(--white);
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero .wrap {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  font-weight: 500;
  margin: 16px 0 24px;
  line-height: 1.1;
  max-width: 18ch;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold-light);
  font-family: var(--font-serif);
}

.hero p.lead {
  font-size: clamp(1rem, 1.25vw, 1.2rem);
  color: #B2BFD0;
  max-width: 540px;
  margin-bottom: 36px;
  line-height: 1.6;
}

.hero-cta-row {
  display: flex;
  gap: 16px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}

.hero-trust {
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--gold-light);
  letter-spacing: 0.1em;
  margin-top: -30px;
  margin-bottom: 48px;
  text-transform: uppercase;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px 36px;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  max-width: 480px;
}

.hero-stats .stat b {
  display: block;
  font-family: var(--font-mono);
  font-size: 26px;
  color: var(--gold-light);
  font-weight: 600;
}

.hero-stats .stat span {
  font-size: 13px;
  color: #8FA0BC;
}

/* Capital Selector Card (Signature Element) */
.stack-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  padding: 32px;
  backdrop-filter: blur(8px);
  box-shadow: 0 40px 100px -30px rgba(0, 0, 0, 0.5);
  position: relative;
}

.stack-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 12px;
}

.stack-tab {
  flex: 1;
  text-align: center;
  padding: 10px 0;
  border-radius: var(--radius);
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  background: transparent;
  border: none;
  outline: none;
  user-select: none;
  -webkit-user-select: none;
  touch-action: manipulation;
  position: relative;
  z-index: 5;
  font-family: var(--font-mono);
  letter-spacing: 0.05em;
  color: #8FA0BC;
  transition: var(--transition);
}

.stack-tab.active {
  background-color: var(--gold);
  color: var(--navy-dark);
}

.stack-tab:not(.active):hover {
  background-color: rgba(255, 255, 255, 0.05);
  color: var(--white);
}

.stack-list {
  display: none;
  flex-direction: column;
  min-height: 280px;
}

.stack-list.active {
  display: flex;
}

.stack-list a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 13px 4px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 14px;
  color: #E7ECF4;
}

.stack-list a:last-child {
  border-bottom: none;
}

.stack-list a:hover {
  color: var(--white);
  padding-left: 4px;
}

.stack-list a .arrow {
  color: var(--gold-light);
  font-family: var(--font-mono);
  transition: transform 0.2s ease;
}

.stack-list a:hover .arrow {
  transform: translateX(4px);
}

.stack-note {
  margin-top: 20px;
  font-size: 12px;
  color: #8FA0BC;
  display: flex;
  gap: 8px;
  align-items: center;
  border-top: 1px dashed rgba(255, 255, 255, 0.1);
  padding-top: 14px;
}

/* ==========================================================================
   TRUST MARQUEE
   ========================================================================== */
.marquee-band {
  background-color: var(--white);
  border-bottom: 1px solid var(--line);
  padding: 28px 0 0;
  overflow: hidden;
}

.marquee-eyebrow {
  text-align: center;
  margin-bottom: 20px;
}

.marquee-eyebrow .eyebrow {
  color: var(--slate);
}

.marquee-track-wrap {
  overflow: hidden;
  width: 100%;
  padding-bottom: 28px;
  mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}

.marquee-rail {
  display: flex;
  white-space: nowrap;
  width: max-content;
  align-items: center;
  gap: 0;
}

.marquee-rail span {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  padding: 0 28px;
  letter-spacing: 0.08em;
  transition: color 0.2s ease;
}

.marquee-rail span:hover {
  color: var(--navy-dark);
}

.marquee-rail .marquee-sep {
  color: var(--gold);
  font-size: 16px;
  padding: 0;
  opacity: 0.5;
}


/* ==========================================================================
   Pillars & Grid Cards
   ========================================================================== */
.pillars {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.pillar-card {
  background-color: var(--white);
  border: 1px solid var(--line);
  padding: 32px 24px;
  border-radius: var(--radius);
  transition: var(--transition);
}

.pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-premium);
  border-color: var(--gold);
}

.pillar-card .num {
  font-family: var(--font-mono);
  color: var(--gold);
  font-weight: 700;
  font-size: 14px;
  display: block;
  margin-bottom: 12px;
}

.pillar-card h4 {
  font-size: 18px;
  margin-bottom: 8px;
  font-family: var(--font-serif);
}

.pillar-card p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.5;
}

/* ==========================================================================
   WHY CHOOSE US SECTION
   ========================================================================== */
.why-choose-us {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 80px 0;
  margin-top: 0;
}

.wcu-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: start;
}

.wcu-left {
  position: sticky;
  top: 100px;
}

.wcu-left .eyebrow {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: 0.18em;
  margin-bottom: 16px;
  color: var(--gold);
}

.wcu-left h2 {
  margin: 0 0 24px 0;
  font-size: clamp(2.5rem, 4.2vw, 3.6rem);
  line-height: 1.18;
}

.wcu-left p.lead {
  font-size: 16px;
  color: var(--slate);
  line-height: 1.7;
}

.wcu-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.wcu-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 16px;
  transition: var(--transition);
}

.wcu-item:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-premium);
  transform: translateY(-2px);
}

.wcu-check {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 14px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.wcu-item strong {
  display: block;
  font-family: var(--font-sans);
  font-size: 14px;
  color: var(--navy-dark);
  margin-bottom: 5px;
}

.wcu-item p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.5;
  margin: 0;
}

/* ==========================================================================
   SERVICES SECTION (CATALOG)
   ========================================================================== */
.services-catalog {
  background-color: var(--white);
}

.catalog-tabs {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-bottom: 40px;
  border-bottom: 1px solid var(--line);
}

.catalog-tab {
  padding: 12px 24px;
  font-weight: 600;
  font-size: 15px;
  color: var(--slate);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  outline: none;
  font-family: inherit;
  cursor: pointer;
  user-select: none;
  -webkit-user-select: none;
  touch-action: manipulation;
  position: relative;
  z-index: 5;
  transition: var(--transition);
  margin-bottom: -1px;
}

.catalog-tab.active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

.catalog-tab:hover {
  color: var(--navy-dark);
}

.catalog-grid {
  display: none;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.catalog-grid.active {
  display: grid;
}

.service-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background-color: var(--white);
  padding: 32px 24px;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-premium);
  border-color: var(--gold);
}

.service-card .icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius);
  background-color: var(--off-white);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  margin-bottom: 20px;
  transition: var(--transition);
}

.service-card:hover .icon {
  background-color: var(--navy-dark);
  color: var(--gold-light);
}

.service-card h4 {
  font-size: 19px;
  margin-bottom: 10px;
}

.service-card p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.5;
  margin-bottom: 20px;
  flex-grow: 1;
}

.service-card .link {
  font-weight: 700;
  font-size: 13px;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.service-card:hover .link {
  color: var(--navy-dark);
}

/* ==========================================================================
   INDUSTRY SECTION
   ========================================================================== */
.industry-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.industry-card {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  transition: var(--transition);
}

.industry-card:hover {
  background-color: rgba(255, 255, 255, 0.06);
  border-color: var(--gold-light);
  transform: translateY(-3px);
}

.industry-card .icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: rgba(200, 155, 60, 0.1);
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 20px;
}

.industry-card h4 {
  color: var(--white);
  font-size: 16px;
  margin-bottom: 8px;
  font-family: var(--font-serif);
}

.industry-card p {
  font-size: 12.5px;
  color: #8FA0BC;
  line-height: 1.4;
}

/* ==========================================================================
   WHY THE CREDIT LANE
   ========================================================================== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.why-item {
  display: flex;
  gap: 16px;
}

.why-item .icon-box {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background-color: rgba(200, 155, 60, 0.1);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-weight: 700;
  font-size: 14px;
}

.why-item h4 {
  font-size: 18px;
  margin-bottom: 8px;
}

.why-item p {
  font-size: 13.5px;
  color: var(--slate);
  line-height: 1.5;
}

/* ==========================================================================
   PROCESS TIMELINE
   ========================================================================== */
.process-row {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  position: relative;
  margin-top: 40px;
}

.process-row::before {
  content: '';
  position: absolute;
  top: 24px;
  left: 32px;
  right: 32px;
  height: 1.5px;
  background-color: var(--line);
  z-index: 1;
}

.process-step {
  text-align: center;
  position: relative;
  z-index: 2;
}

.process-step .idx {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--white);
  border: 1.5px solid var(--gold);
  color: var(--navy-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 14px;
  margin: 0 auto 16px;
  box-shadow: var(--shadow-sm);
}

.process-step h4 {
  font-size: 15.5px;
  margin-bottom: 6px;
  font-weight: 700;
}

.process-step p {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.4;
  padding: 0 8px;
}

/* ==========================================================================
   SOCIAL PROOF (TESTIMONIALS)
   ========================================================================== */
.testimonials {
  background-color: var(--white);
}

.rating-block {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  margin-bottom: 48px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 32px;
}

.rating-score {
  font-size: 48px;
  font-weight: 800;
  color: var(--navy-dark);
  font-family: var(--font-mono);
}

.rating-stars {
  color: #F5A623;
  font-size: 20px;
  margin-bottom: 4px;
}

.rating-meta {
  font-size: 13px;
  color: var(--slate);
}

.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testi-card {
  background-color: var(--off-white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 24px;
  display: flex;
  flex-direction: column;
}

.testi-card .quote {
  font-style: italic;
  font-size: 14px;
  color: var(--charcoal);
  line-height: 1.6;
  margin-bottom: 24px;
  flex-grow: 1;
}

.testi-card .who {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testi-card .avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--navy-dark);
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  font-family: var(--font-mono);
}

.testi-card .who-meta b {
  display: block;
  font-size: 13px;
  color: var(--navy-dark);
}

.testi-card .who-meta span {
  font-size: 11px;
  color: var(--slate);
  display: block;
}

/* ==========================================================================
   FINAL CTA / LARGE BANNER
   ========================================================================== */
.final-cta {
  background: radial-gradient(1000px 500px at 50% 50%, var(--navy-med) 0%, var(--navy-dark) 100%);
  color: var(--white);
  text-align: center;
  padding: 88px 0;
}

.final-cta h2 {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  color: var(--white);
  margin-bottom: 12px;
}

.final-cta p {
  font-size: 17px;
  color: #B2BFD0;
  max-width: 600px;
  margin: 0 auto 36px;
  line-height: 1.5;
}

.final-cta .btn-primary {
  box-shadow: 0 4px 14px rgba(200, 155, 60, 0.4);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
/* ==========================================================================
   FOOTER
   ========================================================================== */
footer {
  color: #CBD5E1;
  font-size: 13.5px;
  border-top: 2px solid var(--gold);
  overflow: hidden;
  background: #061224;
}

/* ---- Top Links Section ---- */
.footer-top-section {
  background: radial-gradient(1000px 500px at 50% 100%, #0c203b 0%, #061224 100%);
  padding: 70px 0 50px;
}

.footer-top-row {
  display: flex;
  gap: 60px;
  align-items: flex-start;
  margin-bottom: 48px;
}

.footer-tagline {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.25;
  min-width: 260px;
  flex-shrink: 0;
  letter-spacing: -0.01em;
}

.footer-cols {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  flex: 1;
}

.footer-col {
  display: flex;
  flex-direction: column;
}

.footer-badges-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 28px;
}

.footer-badges-row .footer-desc {
  max-width: 500px;
  line-height: 1.5;
  margin: 0;
  font-size: 13px;
  color: #CBD5E1;
}

/* ---- Giant Wordmark Section ---- */
.footer-wordmark-section {
  background: #061224;
  overflow: hidden;
  padding: 0;
  line-height: 0.85;
}

.footer-wordmark {
  font-family: var(--font-serif);
  font-size: clamp(72px, 12vw, 180px);
  font-weight: 900;
  color: var(--white);
  letter-spacing: -0.04em;
  white-space: nowrap;
  text-align: center;
  padding: 20px 0 0;
  opacity: 0.18;
  user-select: none;
  pointer-events: none;
  line-height: 0.9;
}

/* ---- Bottom Bar ---- */
.footer-bottom-bar {
  background: #040c18;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0 40px;
}

/* ---- Shared footer rules ---- */
.footer-logo {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 22px;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.footer-logo .mark {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: conic-gradient(from 220deg, var(--gold), var(--navy-dark) 65%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
}

.footer-desc {
  line-height: 1.6;
  margin-bottom: 20px;
  color: #CBD5E1;
}

.footer-badges {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.footer-badges span {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 600;
  color: var(--gold-light);
  background: rgba(230, 183, 78, 0.1);
  border: 1px solid rgba(230, 183, 78, 0.35);
  padding: 4px 10px;
  border-radius: var(--radius);
}

footer h5 {
  font-family: var(--font-sans);
  color: #F8FAFC;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
  border-bottom: 1px solid rgba(230,183,78,0.25);
  padding-bottom: 6px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  color: #E2E8F0;
  transition: transform 0.2s ease, color 0.2s ease;
  display: inline-block;
  font-size: 14px;
  font-weight: 500;
}

.footer-links a:hover {
  color: var(--gold);
  transform: translateX(4px);
}

.footer-contact p {
  margin-bottom: 10px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  color: #CBD5E1;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: #94A3B8;
  gap: 24px;
}

.footer-bottom .disclaimer {
  max-width: 60%;
  line-height: 1.6;
  text-align: left;
  color: #E2E8F0;
  padding: 14px 18px;
  border-left: 3px solid var(--gold);
  background-color: rgba(255, 255, 255, 0.04);
  border-radius: var(--radius);
  font-size: 12.5px;
}

/* ==========================================================================
   WHATSAPP FAB BUTTON
   ========================================================================== */
.wa-fab {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  background-color: var(--success);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 25px -5px rgba(47, 122, 84, 0.4);
  cursor: pointer;
  z-index: 999;
  border: none;
  transition: var(--transition);
}

.wa-fab:hover {
  transform: scale(1.1);
  background-color: #246343;
}

.wa-fab svg {
  width: 28px;
  height: 28px;
  fill: var(--white);
}

.wa-tooltip {
  position: absolute;
  right: 70px;
  background-color: var(--navy-dark);
  color: var(--white);
  padding: 6px 14px;
  border-radius: var(--radius);
  font-size: 12.5px;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
  box-shadow: var(--shadow-premium);
  border: 1px solid var(--line);
}

.wa-fab:hover .wa-tooltip {
  opacity: 1;
}

/* ==========================================================================
   SERVICE PAGE - TOP BANNER & STAT STRIP
   ========================================================================== */
.service-banner {
  background: radial-gradient(1200px 600px at 80% -10%, #16345f 0%, var(--navy-dark) 60%, #081527 100%);
  color: var(--white);
  padding: 64px 0 0;
  position: relative;
  overflow: hidden;
}

.service-banner .wrap {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.breadcrumbs {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.05em;
  color: #8FA0BC;
  margin-bottom: 20px;
}

.breadcrumbs a:hover {
  color: var(--gold-light);
}

.service-banner h1 {
  color: var(--white);
  font-size: clamp(2rem, 3.8vw, 3rem);
  font-weight: 500;
  margin: 10px 0 16px;
  max-width: 24ch;
}

.service-banner p.lead {
  font-size: clamp(1rem, 1.1vw, 1.1rem);
  color: #B2BFD0;
  max-width: 580px;
  margin-bottom: 32px;
}

.service-banner-art {
  display: flex;
  justify-content: center;
  align-items: center;
}

.service-banner-art svg {
  width: 100%;
  max-width: 280px;
  height: auto;
}

.service-banner-art-img {
  background-size: cover;
  background-position: center;
  width: 100%;
  max-width: 500px;
  height: 335px;
  border-radius: var(--radius);
  border: 1.5px solid rgba(255, 255, 255, 0.12);
  box-shadow: var(--shadow-premium), 0 10px 30px rgba(0, 0, 0, 0.45);
}

.stat-strip {
  background-color: rgba(0, 0, 0, 0.2);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px 0;
  margin-top: 60px;
}

.stat-strip .wrap {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.stat-strip-item {
  border-right: 1px solid rgba(255, 255, 255, 0.1);
}

.stat-strip-item:last-child {
  border-right: none;
}

.stat-strip-item .v {
  font-family: var(--font-mono);
  font-size: clamp(1.2rem, 2vw, 1.6rem);
  font-weight: 700;
  color: var(--gold-light);
}

.stat-strip-item .k {
  font-size: 12px;
  color: #8FA0BC;
  margin-top: 4px;
}

/* ==========================================================================
   SERVICE PAGE - SECTIONS & ACCORDION
   ========================================================================== */
.service-content-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.6fr;
  gap: 48px;
}

.service-main-col {
  display: flex;
  flex-direction: column;
  gap: 60px;
}

.service-section {
  border-bottom: 1px solid var(--line);
  padding-bottom: 40px;
}

.service-section:last-child {
  border-bottom: none;
}

.service-section h2 {
  font-size: 26px;
  margin-bottom: 20px;
}

.service-section p {
  color: var(--slate);
  margin-bottom: 16px;
  font-size: 15px;
}

.who-summary-box {
  background-color: var(--white);
  border-left: 4px solid var(--gold);
  border-top: 1.5px solid var(--line);
  border-right: 1.5px solid var(--line);
  border-bottom: 1.5px solid var(--line);
  padding: 20px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-bottom: 24px;
}

.who-summary-box div {
  font-size: 14px;
  color: var(--charcoal);
  margin-bottom: 8px;
}

.who-summary-box div:last-child {
  margin-bottom: 0;
}

.qualify-bullets {
  list-style: none;
}

.qualify-bullets li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 12px;
  font-size: 14.5px;
  color: var(--slate);
}

.qualify-bullets li::before {
  content: "✓";
  position: absolute;
  left: 6px;
  color: var(--success);
  font-weight: 800;
  font-family: var(--font-mono);
}

/* Features Grid */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.feature-block {
  display: flex;
  gap: 16px;
}

.feature-block .num {
  font-family: var(--font-mono);
  font-size: 13px;
  color: var(--gold);
  font-weight: 700;
}

.feature-block h3 {
  font-size: 16.5px;
  margin-bottom: 4px;
  font-family: var(--font-sans);
  font-weight: 700;
}

.feature-block p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.45;
}

/* Process Route Steps */
.route-timeline {
  display: flex;
  flex-direction: column;
  position: relative;
}

.route-timeline::before {
  content: '';
  position: absolute;
  top: 10px;
  left: 20px;
  bottom: 10px;
  width: 1.5px;
  background-color: var(--line);
}

.route-timeline-step {
  display: grid;
  grid-template-columns: 40px 1fr;
  gap: 20px;
  margin-bottom: 24px;
  position: relative;
}

.route-timeline-step:last-child {
  margin-bottom: 0;
}

.route-timeline-step .dot {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--navy-dark);
  color: var(--gold-light);
  border: 1px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 12px;
  z-index: 2;
}

.route-timeline-step h3 {
  font-size: 16px;
  margin-bottom: 4px;
  font-family: var(--font-sans);
  font-weight: 700;
}

.route-timeline-step p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.45;
}

/* FAQs Accordion styling */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--line);
  background-color: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-q {
  width: 100%;
  text-align: left;
  border: none;
  outline: none;
  font-family: inherit;
  color: var(--navy-dark);
  padding: 18px 24px;
  font-weight: 600;
  font-size: 15px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
  -webkit-user-select: none;
  touch-action: manipulation;
  background-color: var(--white);
  transition: var(--transition);
}

.faq-q:hover {
  background-color: var(--off-white);
}

.faq-q span {
  font-family: var(--font-mono);
  font-size: 18px;
  color: var(--gold);
  flex-shrink: 0;
  margin-left: 12px;
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1), padding 0.35s ease;
  padding: 0 24px;
  font-size: 14px;
  color: var(--slate);
  background-color: var(--white);
}

.faq-item.open .faq-a {
  max-height: 800px;
  padding-bottom: 18px;
}

/* ==========================================================================
   INTERACTIVE CALCULATOR DESIGN
   ========================================================================== */
.calc-container {
  background-color: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-premium);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
}

.calc-inputs {
  padding: 40px;
  background-color: var(--white);
}

.calc-input-group {
  margin-bottom: 24px;
}

.calc-input-group:last-child {
  margin-bottom: 0;
}

.calc-input-label {
  display: flex;
  justify-content: space-between;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 8px;
}

.calc-input-label span.value-output {
  font-family: var(--font-mono);
  color: var(--gold);
}

/* Custom range slider styling */
.calc-slider {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  outline: none;
  -webkit-appearance: none;
  background-color: var(--line);
  accent-color: var(--gold);
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  border: 2.5px solid var(--white);
  box-shadow: 0 2px 6px rgba(11, 31, 58, 0.2);
  cursor: pointer;
  transition: transform 0.1s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.1);
}

.calc-outputs {
  background-color: var(--navy-dark);
  color: var(--white);
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 28px;
  border-left: 1px solid rgba(255, 255, 255, 0.08);
}

.calc-output-item .label {
  font-family: var(--font-mono);
  font-size: 11px;
  color: #8FA0BC;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.calc-output-item .value {
  font-family: var(--font-mono);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 700;
  color: var(--white);
}

.calc-output-item.primary-out .value {
  color: var(--gold-light);
}

.calc-bar {
  height: 6px;
  border-radius: 3px;
  overflow: hidden;
  display: flex;
  margin-top: 8px;
  background-color: rgba(255, 255, 255, 0.1);
}

.calc-bar-p {
  background-color: var(--gold-light);
  height: 100%;
  transition: width 0.2s ease;
}

.calc-bar-i {
  background-color: #3E5372;
  height: 100%;
  transition: width 0.2s ease;
}

.calc-disclaimer {
  background-color: var(--off-white);
  padding: 16px 40px;
  font-size: 11.5px;
  color: var(--muted);
  border-top: 1px solid var(--line);
}

/* ==========================================================================
   LEAD GENERATION FORM
   ========================================================================== */
.lead-gen-section {
  background-color: var(--navy-dark);
  color: var(--white);
  padding: 80px 0;
  border-top: 2px solid var(--gold);
}

.lead-gen-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: center;
}

.lead-gen-copy h2 {
  color: var(--white);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  margin-bottom: 16px;
}

.lead-gen-copy p {
  color: #B2BFD0;
  margin-bottom: 32px;
  font-size: 15.5px;
}

.lead-gen-trust {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.lead-gen-trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--gold-light);
  font-weight: 600;
}

.lead-gen-trust-item span.dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--success);
}

.lead-card {
  background-color: var(--white);
  padding: 40px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-premium);
  color: var(--charcoal);
  border-top: 3px solid var(--gold);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.form-group.full-width {
  grid-column: span 2;
}

.form-group input, .form-group select, .form-group textarea {
  border: 1px solid var(--line);
  padding: 12px;
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--charcoal);
  background-color: var(--off-white);
  transition: var(--transition);
}

.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--gold);
  background-color: var(--white);
  box-shadow: 0 0 0 3px rgba(200, 155, 60, 0.1);
  outline: none;
}

.form-group select {
  cursor: pointer;
}

.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12px;
  color: var(--muted);
  line-height: 1.4;
  margin-bottom: 24px;
  cursor: pointer;
}

.form-consent input[type="checkbox"] {
  margin-top: 3px;
  accent-color: var(--gold);
}

.form-submit-btn {
  width: 100%;
  border: none;
  font-family: var(--font-sans);
  padding: 16px;
  font-size: 15px;
}

/* ==========================================================================
   CATEGORY PAGES (LOANS, EQUITY, INCENTIVES OVERVIEWS)
   ========================================================================== */
.category-hero {
  background: radial-gradient(1200px 600px at 80% -10%, #16345f 0%, var(--navy-dark) 60%, #081527 100%);
  color: var(--white);
  padding: 64px 0;
}

.category-hero .wrap {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 40px;
  text-align: left;
}

.category-hero-text {
  flex: 1.25;
}

.category-hero-image {
  flex: 0.75;
  height: 200px;
  background-size: cover;
  background-position: center;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-premium);
}

.category-hero h1 {
  color: var(--white);
  font-size: clamp(2.0rem, 4vw, 3.0rem);
  margin-bottom: 16px;
  text-align: left;
}

.category-hero p.lead {
  font-size: 17px;
  color: #B2BFD0;
  max-width: 100%;
  margin: 0;
  line-height: 1.5;
  text-align: left;
}

@media (max-width: 768px) {
  .category-hero .wrap {
    flex-direction: column;
    text-align: center;
  }
  .category-hero-image {
    display: none;
  }
  .category-hero h1, .category-hero p.lead {
    text-align: center;
  }
}

.category-group {
  margin-bottom: 64px;
}

.category-group:last-child {
  margin-bottom: 0;
}

.category-group-title {
  font-family: var(--font-serif);
  font-size: 24px;
  color: var(--navy-dark);
  margin-bottom: 24px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.category-group-title .count {
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--gold);
  background-color: var(--white);
  border: 1px solid var(--line);
  padding: 2px 8px;
  border-radius: 10px;
}

.category-grid-catalog {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

/* ==========================================================================
   ABOUT PAGE
   ========================================================================== */
.about-story {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 48px;
  align-items: center;
}

.about-graphics {
  background-color: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-premium);
  text-align: center;
}

.about-graphics .big-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background-color: var(--navy-dark);
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 32px;
  border: 2px solid var(--gold);
}

.about-graphics h3 {
  font-size: 24px;
  margin-bottom: 12px;
}

.about-graphics p {
  color: var(--slate);
  max-width: 420px;
  margin: 0 auto;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 40px;
}

.value-card {
  background-color: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 24px;
  transition: var(--transition);
}

.value-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold);
  box-shadow: var(--shadow-premium);
}

.value-card .icon-box {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--off-white);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 16px;
}

.value-card h4 {
  font-size: 19px;
  margin-bottom: 8px;
}

.value-card p {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.5;
}

/* ==========================================================================
   CONTACT PAGE
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 48px;
}

.contact-info-col {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.contact-card {
  background-color: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 24px;
}

.contact-card h4 {
  font-size: 20px;
  margin-bottom: 20px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 8px;
}

.contact-item {
  margin-bottom: 16px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14.5px;
  color: var(--slate);
}

.contact-item:last-child {
  margin-bottom: 0;
}

.contact-item .label {
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 11px;
  color: var(--gold);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-top: 3px;
  width: 70px;
  flex-shrink: 0;
}

.map-container {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  height: 240px;
  background-color: var(--white);
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES
   ========================================================================== */
@media (max-width: 1024px) {
  /* Navigation */
  nav.mainnav, .header-cta {
    display: none;
  }
  .hamburger {
    display: block;
  }

  /* Grid Layouts */
  .hero .wrap {
    grid-template-columns: 1fr;
    gap: 48px;
    text-align: center;
  }
  .hero p.lead {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-cta-row {
    justify-content: center;
  }
  .hero-stats {
    margin-left: auto;
    margin-right: auto;
  }
  .stack-card {
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
  }

  .pillars {
    grid-template-columns: repeat(2, 1fr);
  }

  .catalog-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .industry-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-row {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  .process-row::before {
    display: none;
  }

  .testi-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .lead-gen-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .service-content-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .about-story {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .category-grid-catalog {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* ==========================================================================
   RESPONSIVE — TABLET (≤ 900px)
   ========================================================================== */
@media (max-width: 900px) {
  .hero .wrap {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .stack-card {
    max-width: 100%;
  }

  .pillars {
    grid-template-columns: repeat(2, 1fr);
  }

  .industry-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-cols {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .footer-top-row {
    gap: 40px;
  }
}

/* ==========================================================================
   RESPONSIVE — MOBILE (≤ 768px)
   ========================================================================== */
@media (max-width: 768px) {
  /* Global */
  section {
    padding: 48px 0;
  }

  .section-tight {
    padding: 36px 0;
  }

  h2 {
    font-size: clamp(1.5rem, 5.5vw, 2.1rem);
  }

  .wrap {
    padding-left: 20px;
    padding-right: 20px;
  }

  /* Topbar */
  .topbar .wrap {
    flex-direction: column;
    height: auto;
    padding: 8px 16px;
    gap: 6px;
    text-align: center;
  }

  .topbar-left {
    flex-wrap: wrap;
    justify-content: center;
    gap: 6px 14px;
    font-size: 11.5px;
  }

  .topbar-right {
    gap: 12px;
    font-size: 11.5px;
  }

  /* Header */
  header .wrap {
    height: 68px;
    padding-left: 16px;
    padding-right: 16px;
  }

  .logo {
    font-size: clamp(15px, 4.2vw, 20px);
    gap: 8px;
  }

  .logo img, .logo-img {
    width: 32px !important;
    height: 32px !important;
  }

  .header-cta .phone {
    display: none;
  }

  .hamburger {
    padding: 8px;
    margin-right: -4px;
  }

  /* Hero */
  .hero {
    padding: 64px 0 44px;
  }

  .hero .wrap {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .hero h1 {
    font-size: clamp(1.7rem, 6.5vw, 2.4rem);
    max-width: 100%;
  }

  .hero p.lead {
    font-size: 0.98rem;
    margin-bottom: 24px;
  }

  .hero-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    max-width: 100%;
  }

  .hero-stats .stat b {
    font-size: clamp(18px, 5vw, 24px);
    word-break: break-word;
  }

  .hero-stats .stat span {
    font-size: 12px;
  }

  /* Stack card (Capital Selector) */
  .stack-card {
    padding: 20px 14px;
  }

  .stack-tabs {
    display: flex;
    gap: 6px;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding-bottom: 6px;
    margin-bottom: 16px;
  }

  .stack-tabs::-webkit-scrollbar {
    display: none;
  }

  .stack-tab {
    flex: 0 0 auto;
    font-size: 11.5px;
    padding: 8px 12px;
    min-height: 36px;
    white-space: nowrap;
  }

  .stack-list a {
    padding: 12px 4px;
    font-size: 13.5px;
    min-height: 42px;
  }

  /* Marquee */
  .marquee-rail span {
    font-size: 11.5px;
    padding: 0 16px;
  }

  /* Pillars */
  .pillars {
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
  }

  .pillar-card {
    padding: 20px 16px;
  }

  /* Industry */
  .industry-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }

  .industry-card {
    padding: 20px 14px;
  }

  /* Catalog & Tabs */
  .catalog-tabs {
    display: flex;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    gap: 8px;
    justify-content: flex-start;
    padding-bottom: 6px;
    margin-bottom: 24px;
    border-bottom: 1px solid var(--line);
  }

  .catalog-tabs::-webkit-scrollbar {
    display: none;
  }

  .catalog-tab {
    white-space: nowrap;
    padding: 8px 14px;
    font-size: 13.5px;
    flex-shrink: 0;
  }

  .catalog-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .service-card {
    padding: 20px 16px;
  }

  /* Why us */
  .why-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  /* Why Choose Us */
  .why-choose-us {
    padding: 48px 0;
  }

  .wcu-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .wcu-left {
    position: static;
  }

  .wcu-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }

  /* Process */
  .process-row {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .route-timeline-step {
    grid-template-columns: 36px 1fr;
    gap: 14px;
  }

  .route-timeline-step .dot {
    width: 36px;
    height: 36px;
    font-size: 11px;
  }

  /* Testimonials */
  .testi-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .testi-card {
    padding: 20px 16px;
  }

  .rating-block {
    flex-direction: column;
    text-align: center;
    gap: 12px;
    margin-bottom: 32px;
    padding-bottom: 24px;
  }

  /* Calculator */
  .calc-container {
    border-radius: var(--radius);
  }

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

  .calc-inputs {
    padding: 24px 16px;
  }

  .calc-outputs {
    border-left: none;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 24px 16px;
    gap: 20px;
  }

  .calc-input-label {
    font-size: 13px;
    flex-wrap: wrap;
    gap: 4px;
  }

  .calc-output-item .value {
    font-size: clamp(1.3rem, 5vw, 1.7rem);
    word-break: break-word;
  }

  .calc-slider {
    height: 8px;
  }

  .calc-slider::-webkit-slider-thumb {
    width: 22px;
    height: 22px;
  }

  .calc-disclaimer {
    padding: 12px 16px;
    font-size: 11px;
  }

  /* FAQ */
  .faq-q {
    padding: 16px 18px;
    font-size: 14.5px;
    min-height: 48px;
  }

  .faq-a {
    padding: 0 18px;
    font-size: 14px;
  }

  .faq-item.open .faq-a {
    padding-bottom: 16px;
  }

  /* Stats strip */
  .stat-strip .wrap {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    text-align: center;
  }

  .stat-strip-item {
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    padding-bottom: 16px;
  }

  .stat-strip-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }

  /* Service banner image */
  .service-banner {
    padding: 48px 0 0;
  }

  .service-banner .wrap {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .service-banner h1 {
    font-size: clamp(1.65rem, 6vw, 2.2rem);
  }

  .service-banner-art-img {
    height: 200px;
    max-width: 100%;
    margin-top: 12px;
    border-radius: var(--radius);
    object-fit: cover;
  }

  .service-banner .btn-row,
  .hero-cta-row {
    flex-direction: column;
    gap: 10px;
    width: 100%;
  }

  .service-banner .btn,
  .hero-cta-row .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }

  /* Features / Values */
  .features-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .values-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .value-card {
    padding: 20px 16px;
  }

  /* Category catalog */
  .category-grid-catalog {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  /* Contact & Service Form Grids */
  .form-grid {
    grid-template-columns: 1fr !important;
    gap: 12px;
  }

  .form-group input,
  .form-group select,
  .form-group textarea {
    width: 100%;
    font-size: 16px !important;
    padding: 12px;
    min-height: 46px;
  }

  .lead-card {
    padding: 20px 16px !important;
  }

  .form-submit-btn {
    min-height: 48px;
    font-size: 15px;
  }

  /* Footer */
  .footer-top-section {
    padding: 48px 0 32px;
  }

  .footer-top-row {
    flex-direction: column;
    gap: 28px;
  }

  .footer-partner-card {
    flex-direction: column;
    text-align: center;
    align-items: center;
    padding: 20px 16px !important;
  }

  .footer-partner-card .btn {
    width: 100%;
  }

  .footer-cols {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .footer-tagline {
    font-size: 22px;
    min-width: auto;
  }

  .footer-wordmark {
    font-size: clamp(36px, 13vw, 76px);
  }

  .footer-badges-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .footer-bottom-bar {
    padding-bottom: 90px !important;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }

  .footer-bottom .disclaimer {
    max-width: 100%;
    text-align: center;
    border-left: none;
    border-top: 3px solid var(--gold);
    border-radius: var(--radius);
    color: #F1F5F9 !important;
    background: rgba(255, 255, 255, 0.05);
    padding: 14px;
    font-size: 12.5px;
    line-height: 1.6;
  }

  /* FAB */
  .wa-fab {
    bottom: 16px;
    right: 16px;
    width: 50px;
    height: 50px;
  }

  .wa-fab svg {
    width: 25px;
    height: 25px;
  }

  .wa-tooltip {
    display: none;
  }
}

/* ==========================================================================
   RESPONSIVE — SMALL PHONES (≤ 480px)
   ========================================================================== */
@media (max-width: 480px) {
  .wrap {
    padding-left: 16px;
    padding-right: 16px;
  }

  /* Topbar */
  .topbar-left span:not(:first-child) {
    display: none;
  }

  /* Mobile Drawer */
  .mobile-nav {
    width: 310px;
    max-width: 88vw;
    padding: 16px 16px 40px;
  }

  /* Hero */
  .hero {
    padding: 56px 0 36px;
  }

  .hero h1 {
    font-size: clamp(1.55rem, 7.5vw, 2.0rem);
  }

  .hero p.lead {
    font-size: 0.92rem;
  }

  .hero-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }

  .hero-stats .stat b {
    font-size: 18px;
  }

  /* Industry 1-col on small phone */
  .industry-grid {
    grid-template-columns: 1fr;
  }

  /* Pillars */
  .pillars {
    grid-template-columns: 1fr;
  }

  /* Values */
  .values-grid {
    grid-template-columns: 1fr;
  }

  /* WCU grid 1-col on small phone */
  .wcu-grid {
    grid-template-columns: 1fr;
  }

  /* Marquee smaller text */
  .marquee-rail span {
    font-size: 11px;
    padding: 0 12px;
  }

  /* Stat strip full-col */
  .stat-strip .wrap {
    grid-template-columns: 1fr;
  }

  /* Footer cols */
  .footer-cols {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  /* Wordmark */
  .footer-wordmark {
    font-size: clamp(30px, 14vw, 56px);
  }

  /* Service banner image */
  .service-banner-art-img {
    height: 170px;
  }
}

@media (max-width: 360px) {
  .hero-stats {
    grid-template-columns: 1fr;
  }
  .stat-strip .wrap {
    grid-template-columns: 1fr;
  }
}