/* ============================================
   THE FINANCE KART — Global Stylesheet
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* ============================================
   CSS CUSTOM PROPERTIES
   ============================================ */
:root {
  --color-primary: #1A6B2F;
  --color-primary-dark: #145424;
  --color-secondary: #4CAF50;
  --color-accent-yg: #8BC34A;
  --color-accent-yellow: #FFC107;
  --color-accent-amber: #FF8F00;
  --color-bg: #F9FBFA;
  --color-bg-light: #F0F7F1;
  --color-text-dark: #1C2B1E;
  --color-text-muted: #5A7160;
  --color-white: #FFFFFF;
  --color-footer-bg: #1C2B1E;
  --color-border: #E2EDE4;

  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, sans-serif;

  --section-padding: 80px 0;
  --section-padding-sm: 48px 0;

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-pill: 50px;

  --shadow-sm: 0 2px 8px rgba(26, 107, 47, 0.08);
  --shadow-md: 0 4px 20px rgba(26, 107, 47, 0.12);
  --shadow-lg: 0 8px 40px rgba(26, 107, 47, 0.18);
  --shadow-card: 0 4px 24px rgba(0, 0, 0, 0.08);

  --transition: all 0.3s ease;
  --max-width: 1200px;
}

/* ============================================
   RESET & BASE
   ============================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background-color: var(--color-bg);
  color: var(--color-text-dark);
  line-height: 1.6;
  font-size: 16px;
}

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

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

ul { list-style: none; }

/* ============================================
   UTILITY CLASSES
   ============================================ */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

@media (min-width: 768px) {
  .container { padding: 0 32px; }
}

@media (min-width: 1024px) {
  .container { padding: 0 48px; }
}

.section-heading {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--color-text-dark);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-subheading {
  font-size: 1.05rem;
  color: var(--color-text-muted);
  max-width: 600px;
  margin-bottom: 0;
  line-height: 1.7;
}

.section-intro { margin-bottom: 48px; }
.section-intro.centered { text-align: center; }
.section-intro.centered .section-subheading { margin-left: auto; margin-right: auto; }

.text-muted { color: var(--color-text-muted); }
.text-center { text-align: center; }
.text-white { color: var(--color-white); }

main { min-height: 60vh; }

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-pill);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background-color: var(--color-accent-yellow);
  color: var(--color-text-dark);
  border-color: var(--color-accent-yellow);
}

.btn-primary:hover {
  background-color: var(--color-accent-amber);
  border-color: var(--color-accent-amber);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(255, 193, 7, 0.4);
}

.btn-secondary {
  background-color: var(--color-primary);
  color: var(--color-white);
  border-color: var(--color-primary);
}

.btn-secondary:hover {
  background-color: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.7);
}

.btn-outline:hover {
  background-color: var(--color-white);
  color: var(--color-primary);
  border-color: var(--color-white);
  transform: translateY(-2px);
}

.btn-outline-green {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn-outline-green:hover {
  background-color: var(--color-primary);
  color: var(--color-white);
  transform: translateY(-2px);
}

.btn-full {
  width: 100%;
  padding: 14px 28px;
  font-size: 1rem;
}

/* ============================================
   NAVBAR
   ============================================ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  width: 100%;
  z-index: 1000;
  padding: 8px 0;
  min-height: 88px;
  display: flex;
  align-items: center;
  transition: var(--transition);
  background: #FFFFFF;
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
}

.navbar .container {
  max-width: 1400px;
  padding: 0 48px;
  width: 100%;
  margin: 0 auto;
}

.navbar.scrolled {
  padding: 10px 0;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.1);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.navbar-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.navbar-logo img {
  height: 72px;
  width: auto;
  display: block;
  background: none;
  border: none;
  padding: 0;
}

@media (max-width: 767px) {
  .navbar .container { padding: 0 20px; }
  .navbar-logo img { height: 52px; }
}

.navbar-logo-text {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: #1A6B2F;
  line-height: 1.2;
}

.navbar-nav {
  display: none;
  align-items: center;
  gap: 4px;
}

@media (min-width: 768px) {
  .navbar-nav { display: flex; }
}

.navbar-nav a {
  font-weight: 500;
  font-size: 0.95rem;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  color: #1C2B1E;
}

.navbar-nav a:hover,
.navbar-nav a.active {
  color: #1A6B2F;
  background: rgba(26, 107, 47, 0.08);
}

.navbar-cta { display: none; }

@media (min-width: 768px) {
  .navbar-cta {
    display: inline-flex;
  }
  .navbar-cta .btn {
    padding: 10px 22px;
    font-size: 0.9rem;
    font-weight: 700;
    background: #FFC107;
    color: #1C2B1E;
    border-color: #FFC107;
    border-radius: 50px;
  }
  .navbar-cta .btn:hover {
    background: #FF8F00;
    border-color: #FF8F00;
  }
}

/* Hamburger */
.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
  z-index: 1001;
}

@media (min-width: 768px) { .hamburger { display: none; } }

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #1C2B1E;
  border-radius: 2px;
  transition: var(--transition);
}

.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Navbar Dropdown */
.nav-dropdown { position: relative; }

.nav-dropdown-trigger {
  display: flex !important;
  align-items: center;
  gap: 5px;
}

.dropdown-arrow {
  font-size: 0.6rem;
  transition: transform 0.25s ease;
  display: inline-block;
}

.nav-dropdown:hover .dropdown-arrow { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: #FFFFFF;
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
  border-radius: 12px;
  padding: 8px 0;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0.25s ease, transform 0.25s ease;
  z-index: 100;
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav-dropdown-menu a {
  display: block;
  padding: 11px 20px;
  color: #1C2B1E;
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: 0;
  background: none;
}

.nav-dropdown-menu a:hover {
  background: #F0F7F1;
  color: #1A6B2F;
  padding-left: 26px;
}

/* Mobile Menu */
.mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background: var(--color-white);
  padding: 80px 24px 32px;
  box-shadow: var(--shadow-lg);
  z-index: 999;
  flex-direction: column;
  gap: 4px;
}

.mobile-menu.open { display: flex; }

.mobile-menu a {
  font-weight: 500;
  color: var(--color-text-dark);
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  border-bottom: 1px solid var(--color-border);
}

.mobile-menu a:hover,
.mobile-menu a.active {
  color: var(--color-primary);
  background: var(--color-bg-light);
}

.mobile-menu .btn {
  margin-top: 12px;
  border-radius: var(--radius-pill);
  border-bottom: none;
}

.mobile-services-group {
  border-bottom: 1px solid var(--color-border);
}

.mobile-services-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  font-weight: 500;
  color: var(--color-text-dark);
  padding: 14px 16px;
  font-size: 1rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-body);
  text-align: left;
}

.mobile-services-btn:hover {
  color: var(--color-primary);
  background: var(--color-bg-light);
}

.mobile-arrow {
  font-size: 0.7rem;
  transition: transform 0.25s ease;
  display: inline-block;
}

.mobile-services-btn.open .mobile-arrow { transform: rotate(180deg); }

.mobile-services-links {
  display: none;
  flex-direction: column;
}

.mobile-services-links.open { display: flex; }

.mobile-services-links a {
  padding: 10px 16px 10px 32px;
  font-size: 0.9rem;
  color: var(--color-text-muted);
  border-bottom: none;
}

.mobile-services-links a:hover {
  color: var(--color-primary);
  background: var(--color-bg-light);
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background-color: var(--color-footer-bg);
  color: rgba(255,255,255,0.8);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 52px;
}

@media (min-width: 600px) {
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1.3fr; }
}

.footer-logo-wrap {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
  background: #FFFFFF;
  border-radius: 10px;
  padding: 6px 12px;
}

.footer-logo-wrap img {
  height: 52px;
  width: auto;
  display: block;
}

.footer-brand-name {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-white);
}

.footer-brand-desc {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.75;
  max-width: 260px;
}

.footer-heading {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-white);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

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

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--color-accent-yellow);
  padding-left: 4px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}

.footer-contact-item span:first-child {
  font-size: 1rem;
  margin-top: 1px;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
  text-align: center;
  font-size: 0.83rem;
  color: rgba(255,255,255,0.4);
}

/* ============================================
   HERO SECTION (Homepage)
   ============================================ */
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(-12px); }
}

.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, #1A6B2F 0%, #2E7D32 50%, #1B5E20 100%);
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  position: relative;
  overflow: hidden;
}

/* Amber radial glow — top-right */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 75% 30%, rgba(255,193,7,0.15) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}

/* Diagonal line texture */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    135deg,
    rgba(255,255,255,0.025) 0px,
    rgba(255,255,255,0.025) 1px,
    transparent 1px,
    transparent 52px
  );
  pointer-events: none;
  z-index: 0;
}

/* Two-column grid */
.hero-inner {
  display: grid;
  grid-template-columns: 55% 45%;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
  width: 100%;
}

.hero-content {
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.3);
  color: rgba(255,255,255,0.92);
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.83rem;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
  letter-spacing: 0.3px;
}

.hero-heading {
  font-family: var(--font-heading);
  font-size: clamp(2.8rem, 5vw, 4rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.12;
  margin-bottom: 20px;
}

.hero-heading span { color: var(--color-accent-yellow); }

.hero-subheading {
  font-size: clamp(1rem, 1.8vw, 1.1rem);
  color: rgba(255,255,255,0.8);
  line-height: 1.75;
  margin-bottom: 24px;
  max-width: 520px;
}

/* Trust chips row */
.hero-trust-chips {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-trust-chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.9);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  background: rgba(255,255,255,0.08);
  font-weight: 500;
  backdrop-filter: blur(4px);
  white-space: nowrap;
}

.hero-cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-cta .btn {
  padding: 16px 36px;
  font-size: 1rem;
}

/* ---- Hero Visual (right column) ---- */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 440px;
  overflow: visible;
}

/* Main floating card */
.hero-card-main {
  background: #FFFFFF;
  border-radius: 20px;
  padding: 28px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.22);
  width: 252px;
  position: relative;
  z-index: 3;
  margin-top: 40px;
  animation: float 4s ease-in-out infinite;
}

.hero-card-label {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(76, 175, 80, 0.12);
  color: #1A6B2F;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.9px;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  margin-bottom: 14px;
}

.hero-card-icon {
  font-size: 44px;
  line-height: 1;
  margin-bottom: 10px;
}

.hero-card-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: #1A6B2F;
  margin-bottom: 3px;
}

.hero-card-sub {
  font-size: 0.8rem;
  color: #5A7160;
  margin-bottom: 16px;
}

.hero-card-bar-wrap { margin-bottom: 16px; }

.hero-card-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: #5A7160;
  margin-bottom: 5px;
  font-weight: 500;
}

.hero-card-bar {
  height: 6px;
  background: #E2EDE4;
  border-radius: 99px;
  overflow: hidden;
}

.hero-card-bar-fill {
  height: 100%;
  width: 95%;
  background: linear-gradient(90deg, #4CAF50, #1A6B2F);
  border-radius: 99px;
}

.hero-card-btn {
  display: block;
  background: #FFC107;
  color: #1C2B1E;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 10px 16px;
  border-radius: var(--radius-pill);
  text-align: center;
  text-decoration: none;
  transition: var(--transition);
}

.hero-card-btn:hover {
  background: #FF8F00;
  transform: translateY(-1px);
}

/* Secondary card — offset top-right */
.hero-card-secondary {
  position: absolute;
  top: 0px;
  right: -20px;
  background: #FFFFFF;
  border-radius: 14px;
  padding: 16px 20px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
  z-index: 4;
  width: 180px;
}

.hero-card-secondary .sc-icon { font-size: 1.4rem; margin-bottom: 7px; }
.hero-card-secondary .sc-title {
  font-weight: 700;
  font-size: 0.86rem;
  color: #1C2B1E;
  margin-bottom: 2px;
}
.hero-card-secondary .sc-sub { font-size: 0.73rem; color: #5A7160; }

/* Tertiary card — offset bottom-left (Bank Partners) */
.hero-card-tertiary {
  position: absolute;
  bottom: 40px;
  left: -30px;
  background: #FFFFFF;
  border-radius: 14px;
  padding: 12px 18px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.13);
  z-index: 5;
  width: auto;
  min-width: 180px;
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 10px;
  white-space: nowrap;
}

.hero-card-tertiary .tc-icon { font-size: 1.3rem; flex-shrink: 0; }
.hero-card-tertiary .tc-label {
  font-size: 14px;
  font-weight: 600;
  color: #1C2B1E;
  line-height: 1.2;
}

/* ---- Mobile hero ---- */
@media (max-width: 767px) {
  .hero {
    padding: 120px 0 80px;
    align-items: flex-start;
  }
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .hero-visual { display: none; }
  .hero-heading { font-size: clamp(2rem, 8vw, 2.8rem); }
  .hero-cta .btn { padding: 14px 28px; font-size: 0.95rem; }
}

/* ============================================
   TRUST BAR / STAT COUNTERS
   ============================================ */
.trust-bar {
  background: var(--color-white);
  padding: 40px 0;
  box-shadow: 0 4px 24px rgba(0,0,0,0.06);
  position: relative;
  z-index: 1;
}

.trust-bar-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
}

@media (min-width: 768px) {
  .trust-bar-grid { grid-template-columns: repeat(4, 1fr); }
}

.stat-item {
  text-align: center;
  padding: 20px 16px;
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 15%;
  height: 70%;
  width: 1px;
  background: var(--color-border);
  display: none;
}

@media (min-width: 768px) {
  .stat-item:not(:last-child)::after { display: block; }
}

.stat-number {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.6rem);
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1;
  margin-bottom: 8px;
  display: block;
}

.stat-label {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

/* ============================================
   ABOUT INTRO SECTION
   ============================================ */
.about-intro { padding: var(--section-padding); }

.about-intro-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 768px) {
  .about-intro-grid { grid-template-columns: 1fr 1fr; }
}

.about-intro-text .section-heading { margin-bottom: 20px; }

.about-intro-text p {
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 28px;
  font-size: 1rem;
}

.about-visual {
  background: linear-gradient(145deg, var(--color-bg-light) 0%, #E8F5E9 100%);
  border-radius: var(--radius-lg);
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.about-visual-item {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--color-white);
  padding: 14px 18px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.about-visual-item:hover { transform: translateX(4px); }

.about-visual-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--color-secondary), var(--color-primary));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.about-visual-label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-text-dark);
  line-height: 1.3;
}

.about-visual-sub {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  margin-top: 2px;
}

/* ============================================
   WHY CHOOSE US
   ============================================ */
.why-us {
  padding: var(--section-padding);
  background: var(--color-bg-light);
}

.why-us-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 48px;
}

@media (min-width: 768px) {
  .why-us-grid { grid-template-columns: repeat(2, 1fr); }
}

.why-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 28px 28px 28px 22px;
  border-left: 4px solid var(--color-secondary);
  box-shadow: var(--shadow-card);
  transition: var(--transition);
  display: flex;
  gap: 18px;
  align-items: flex-start;
}

.why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-left-color: var(--color-primary);
}

.why-icon {
  font-size: 2rem;
  flex-shrink: 0;
  line-height: 1;
  margin-top: 3px;
}

.why-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 8px;
}

.why-desc {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* ============================================
   SERVICES SECTION
   ============================================ */
.services-section { padding: var(--section-padding); }

.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 22px;
  margin-top: 48px;
}

@media (min-width: 580px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
}

.service-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
  border-top: 3px solid transparent;
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-top-color: var(--color-primary);
}

.service-icon {
  font-size: 2.2rem;
  margin-bottom: 14px;
  line-height: 1;
}

.service-name {
  font-family: var(--font-heading);
  font-size: 1.12rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 8px;
}

.service-desc {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: 14px;
  flex: 1;
}

.service-features {
  list-style: none;
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.service-features li {
  font-size: 0.83rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: flex-start;
  gap: 8px;
  line-height: 1.4;
}

.service-features li::before {
  content: '✓';
  color: var(--color-secondary);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.service-link {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--color-primary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
  transition: var(--transition);
}

.service-link:hover {
  color: var(--color-secondary);
  gap: 10px;
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works {
  padding: var(--section-padding);
  background: var(--color-bg-light);
}

.steps-container {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-top: 52px;
}

@media (min-width: 768px) {
  .steps-container {
    flex-direction: row;
    align-items: flex-start;
    gap: 0;
  }
}

.step-item {
  flex: 1;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
}

@media (min-width: 768px) {
  .step-item:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 27px;
    left: 55%;
    right: -5%;
    height: 2px;
    border-top: 2px dashed rgba(26, 107, 47, 0.25);
    z-index: 0;
  }
}

.step-number {
  width: 56px;
  height: 56px;
  background: var(--color-primary);
  color: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
  box-shadow: 0 4px 16px rgba(26, 107, 47, 0.3);
  transition: var(--transition);
}

.step-item:hover .step-number {
  background: var(--color-secondary);
  transform: scale(1.08);
}

.step-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 0.86rem;
  color: var(--color-text-muted);
  max-width: 200px;
  line-height: 1.6;
}

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
  background: linear-gradient(135deg, #1A6B2F 0%, #2E7D32 100%);
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}

.cta-banner-content { position: relative; z-index: 1; }

.cta-banner h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  color: var(--color-white);
  margin-bottom: 12px;
}

.cta-banner p {
  color: rgba(255,255,255,0.78);
  font-size: 1rem;
  margin-bottom: 32px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.7;
}

/* ============================================
   PAGE HERO (Inner Pages)
   ============================================ */
.page-hero {
  min-height: 340px;
  background: linear-gradient(135deg, #1A6B2F 0%, #2E7D32 100%);
  display: flex;
  align-items: center;
  padding: 120px 0 56px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.07) 1px, transparent 1px);
  background-size: 26px 26px;
  pointer-events: none;
}

.page-hero-content { position: relative; z-index: 1; }

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 14px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  flex-wrap: wrap;
}

.breadcrumb a {
  color: rgba(255,255,255,0.65);
  transition: var(--transition);
}

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

.breadcrumb .sep { color: rgba(255,255,255,0.35); }

.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4.5vw, 2.8rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.2;
  margin-bottom: 10px;
}

.page-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  line-height: 1.7;
}

/* ============================================
   ABOUT PAGE
   ============================================ */
.about-story { padding: var(--section-padding); }

.about-story-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 768px) {
  .about-story-grid { grid-template-columns: 1.2fr 1fr; }
}

.about-story-text .section-heading { margin-bottom: 20px; }

.about-story-text p {
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 16px;
  font-size: 0.97rem;
}

.about-info-box {
  background: linear-gradient(145deg, var(--color-bg-light), #E8F5E9);
  border-radius: var(--radius-lg);
  padding: 36px;
  border-left: 4px solid var(--color-secondary);
}

.about-info-box h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--color-primary);
  margin-bottom: 14px;
}

.about-info-box p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: 12px;
}

.about-stats-row {
  display: flex;
  gap: 16px;
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid rgba(26,107,47,0.12);
}

.about-stat {
  flex: 1;
  text-align: center;
}

.about-stat-num {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1;
  margin-bottom: 4px;
}

.about-stat-label {
  font-size: 0.72rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Mission Section */
.mission-section {
  padding: var(--section-padding);
  background: var(--color-bg-light);
  text-align: center;
}

.mission-quote {
  max-width: 800px;
  margin: 0 auto;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 48px 52px;
  box-shadow: var(--shadow-card);
  position: relative;
}

.mission-quote::before {
  content: '\201C';
  font-family: Georgia, serif;
  font-size: 6rem;
  color: var(--color-secondary);
  opacity: 0.2;
  position: absolute;
  top: 8px;
  left: 20px;
  line-height: 1;
}

.mission-quote blockquote {
  font-family: var(--font-heading);
  font-size: clamp(1.1rem, 2.5vw, 1.6rem);
  font-style: italic;
  color: var(--color-primary);
  line-height: 1.6;
}

/* Network Section */
.network-section { padding: var(--section-padding); }

.network-section p {
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 0;
  max-width: 700px;
}

.network-pills {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin: 28px 0 28px;
}

.pill {
  padding: 10px 22px;
  background: var(--color-bg-light);
  border: 2px solid var(--color-secondary);
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--color-primary);
  transition: var(--transition);
  cursor: default;
}

.pill:hover {
  background: var(--color-primary);
  color: var(--color-white);
  border-color: var(--color-primary);
  transform: translateY(-2px);
}

/* Values Section */
.values-section {
  padding: var(--section-padding);
  background: var(--color-bg-light);
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 22px;
  margin-top: 48px;
}

@media (min-width: 768px) {
  .values-grid { grid-template-columns: repeat(3, 1fr); }
}

.value-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
}

.value-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.value-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
  line-height: 1;
}

.value-title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 12px;
}

.value-desc {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  line-height: 1.75;
}

/* ============================================
   SERVICE DETAIL PAGES
   ============================================ */
.service-detail { padding: var(--section-padding); }

.service-detail-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: start;
}

@media (min-width: 768px) {
  .service-detail-grid { grid-template-columns: 1.2fr 1fr; }
}

.service-detail-text .section-heading { margin-bottom: 20px; }

.service-detail-text p {
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 16px;
  font-size: 0.97rem;
}

.feature-card {
  background: var(--color-bg-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--color-border);
}

.feature-card h3 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--color-primary);
  margin-bottom: 18px;
}

.feature-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.feature-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.93rem;
  color: var(--color-text-dark);
  font-weight: 500;
}

.feature-list li .check {
  color: var(--color-secondary);
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* Process Stepper */
.process-section {
  padding: var(--section-padding);
  background: var(--color-bg-light);
}

.process-steps {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 52px;
}

@media (min-width: 768px) {
  .process-steps {
    flex-direction: row;
    gap: 0;
    align-items: flex-start;
  }
}

.process-step {
  flex: 1;
  position: relative;
  padding: 0 20px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

@media (min-width: 768px) {
  .process-step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 27px;
    left: 55%;
    right: -5%;
    height: 2px;
    border-top: 2px dashed rgba(26,107,47,0.25);
    z-index: 0;
  }
}

.process-num {
  width: 56px;
  height: 56px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
  box-shadow: 0 4px 16px rgba(26,107,47,0.3);
  transition: var(--transition);
}

.process-step:hover .process-num {
  background: var(--color-secondary);
  transform: scale(1.08);
}

.process-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 8px;
}

.process-desc {
  font-size: 0.84rem;
  color: var(--color-text-muted);
  max-width: 160px;
  line-height: 1.6;
}

/* Service CTA */
.service-cta {
  padding: var(--section-padding-sm);
  background: var(--color-white);
  text-align: center;
  border-top: 1px solid var(--color-border);
}

.service-cta h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  color: var(--color-text-dark);
  margin-bottom: 10px;
}

.service-cta p {
  color: var(--color-text-muted);
  margin-bottom: 28px;
  font-size: 0.97rem;
}

.service-cta-buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============================================
   BUSINESS LOAN PAGE — Product Cards
   ============================================ */
.product-section { padding: var(--section-padding); }

.product-cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  margin-top: 48px;
}

@media (min-width: 768px) {
  .product-cards-grid { grid-template-columns: repeat(2, 1fr); }
}

.product-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
  border-top: 4px solid var(--color-secondary);
}

.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.product-card:nth-child(2) { border-top-color: var(--color-accent-amber); }

.product-icon {
  font-size: 2.5rem;
  line-height: 1;
  margin-bottom: 16px;
}

.product-name {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--color-text-dark);
  margin-bottom: 10px;
}

.product-desc {
  color: var(--color-text-muted);
  font-size: 0.93rem;
  line-height: 1.75;
  margin-bottom: 20px;
}

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-section { padding: var(--section-padding); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
}

@media (min-width: 768px) {
  .contact-grid { grid-template-columns: 1fr 1.5fr; }
}

.contact-info h2 {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  color: var(--color-text-dark);
  margin-bottom: 28px;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--color-bg-light);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-info-label {
  font-weight: 700;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 4px;
}

.contact-info-value {
  font-size: 0.95rem;
  color: var(--color-text-dark);
  line-height: 1.55;
}

.contact-hours {
  background: var(--color-bg-light);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  margin-top: 8px;
  border-left: 3px solid var(--color-secondary);
}

.contact-hours h4 {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--color-text-muted);
  margin-bottom: 6px;
  font-weight: 700;
}

.contact-hours p {
  font-size: 0.95rem;
  color: var(--color-text-dark);
  font-weight: 600;
}

/* Contact Form */
.contact-form-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
}

.contact-form-card h2 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  color: var(--color-text-dark);
  margin-bottom: 24px;
}

.form-group { margin-bottom: 20px; }

.form-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--color-text-dark);
  margin-bottom: 7px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}

.form-control {
  width: 100%;
  padding: 12px 15px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--color-text-dark);
  background: var(--color-bg);
  transition: var(--transition);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.form-control:focus {
  border-color: var(--color-secondary);
  background: var(--color-white);
  box-shadow: 0 0 0 3px rgba(76, 175, 80, 0.12);
}

.form-control.error {
  border-color: #E53935;
  background: #FFF5F5;
}

.form-control.error:focus {
  box-shadow: 0 0 0 3px rgba(229, 57, 53, 0.1);
}

select.form-control {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%235A7160' d='M0 0l6 8 6-8z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  cursor: pointer;
}

.form-error {
  display: none;
  font-size: 0.78rem;
  color: #E53935;
  margin-top: 6px;
  font-weight: 500;
}

.form-error.visible { display: block; }

.form-success {
  display: none;
  background: #E8F5E9;
  border: 1.5px solid var(--color-secondary);
  border-radius: var(--radius-md);
  padding: 22px;
  text-align: center;
  color: var(--color-primary);
  font-weight: 600;
  font-size: 0.97rem;
  line-height: 1.5;
}

.form-success.visible { display: block; }

/* Map Placeholder */
.map-section {
  padding: var(--section-padding-sm);
  background: var(--color-bg-light);
}

.map-placeholder {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  height: 280px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  border: 2px dashed var(--color-border);
  box-shadow: var(--shadow-sm);
}

.map-placeholder span { font-size: 2.5rem; }

.map-placeholder p {
  color: var(--color-text-muted);
  font-size: 0.9rem;
}

/* ============================================
   SCROLLBAR
   ============================================ */
::-webkit-scrollbar { width: 7px; }
::-webkit-scrollbar-track { background: var(--color-bg); }
::-webkit-scrollbar-thumb { background: var(--color-secondary); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--color-primary); }