@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Playfair+Display:wght@700&display=swap');

:root {
  --primary: #0b67b2;
  --primary-dark: #063b75;
  --primary-deep: #052f5d;
  --secondary: #0aa6a6;
  --accent: #f7bb38;
  --ink: #17253a;
  --muted: #627087;
  --surface: #ffffff;
  --surface-soft: #f4f9fd;
  --surface-blue: #eaf5ff;
  --border: #dbe8f2;
  --success: #159b68;
  --danger: #d64a4a;
  --shadow-sm: 0 8px 24px rgba(5, 47, 93, 0.08);
  --shadow-md: 0 16px 42px rgba(5, 47, 93, 0.13);
  --shadow-lg: 0 28px 70px rgba(5, 47, 93, 0.18);
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 32px;
  --container: 1180px;
  --transition: 220ms ease;
}

*{ box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--surface);
  font-family: 'Manrope', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
ul { padding: 0; margin: 0; list-style: none; }
h1,h2,h3,h4,p { margin-top: 0; }
h1,h2,h3,h4 { line-height: 1.18; color: var(--primary-deep); }
p { color: var(--muted); }

.container { width: min(calc(100% - 32px), var(--container)); margin-inline: auto; }
.section { padding: px 0; position: relative; }
.section-sm { padding: 68px 0; }
.section-soft { background: var(--surface-soft); }
.section-blue { background: linear-gradient(135deg, #eaf6ff 0%, #eefbfa 100%); }
.section-dark { background: linear-gradient(135deg, var(--primary-deep), #07598f); color: #fff; }
.section-dark h2,.section-dark h3,.section-dark p { color: #fff; }
.section-dark p { opacity: .86; }

.skip-link {
  position: fixed; left: 16px; top: -60px; z-index: 9999;
  padding: 10px 16px; background: var(--primary-deep); color: #fff;
  border-radius: 0 0 10px 10px; transition: top .2s;
}
.skip-link:focus { top: 0; }

.topbar { background: var(--primary-deep); color: #fff; font-size: 13px; }
.topbar-inner { min-height: 42px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.topbar-list { display: flex; flex-wrap: wrap; gap: 22px; align-items: center; }
.topbar a { opacity: .92; }
.topbar a:hover { opacity: 1; color: var(--accent); }
.topbar i { margin-right: 7px; color: var(--accent); }

.site-header {
  position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(219,232,242,.78); backdrop-filter: blur(14px);
  transition: box-shadow var(--transition), transform var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.navbar { min-height: 82px; display: flex; align-items: center; gap: 30px;justify-content: space-between;}
.brand { display: inline-flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand img { height: 58px; width: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1.25; }
.brand-text strong { font-size: 21px; font-weight: 800; letter-spacing: -.01em; color: var(--primary-deep); }
.brand-text small { font-size: 12.5px; font-weight: 700; color: var(--primary); }
.nav-links { margin-left: auto; display: flex; align-items: center; gap: 6px; }
.nav-links > li > a {
  display: block; padding: 12px 14px; border-radius: 10px; font-weight: 700;
  color: #29415d; font-size: 15px; transition: color var(--transition), background var(--transition);
}
.nav-links > li > a:hover,.nav-links > li > a.active { color: var(--primary); background: var(--surface-blue); }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.menu-toggle {
  width: 46px; height: 46px; border: 0; background: var(--surface-blue); border-radius: 12px;
  display: none; align-items: center; justify-content: center; color: var(--primary-deep); font-size: 20px;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  min-height: 50px; padding: 12px 22px; border: 1px solid transparent; border-radius: 13px;
  font-weight: 800; line-height: 1.2; transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: linear-gradient(135deg, var(--primary), #0a84c8); color: #fff; box-shadow: 0 12px 28px rgba(11,103,178,.22); }
.btn-primary:hover { box-shadow: 0 16px 34px rgba(11,103,178,.32); }
.btn-accent { background: var(--accent); color: #17253a; box-shadow: 0 12px 28px rgba(247,187,56,.28); }
.btn-accent:hover { background: #ffc952; }
.btn-outline { border-color: var(--primary); color: var(--primary); background: #fff; }
.btn-outline:hover { color: #fff; background: var(--primary); }
.btn-light { background: #fff; color: var(--primary-deep); }
.btn-sm { min-height: 43px; padding: 10px 17px; font-size: 14px; }
.btn-block { width: 100%; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: 14px;
  color: var(--primary); font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
}
.eyebrow::before { content: ''; width: 28px; height: 3px; border-radius: 10px; background: var(--accent); }
.section-heading { max-width: 720px; margin-bottom: 42px; }
.section-heading.center { text-align: center; margin-inline: auto; }
.section-heading h2 { font-size: clamp(31px, 4vw, 48px); margin-bottom: 16px; letter-spacing: -.03em; }
.section-heading p { font-size: 17px; margin-bottom: 0; }

.hero {
  min-height: 690px; overflow: hidden; background:
    radial-gradient(circle at 80% 16%, rgba(10,166,166,.16), transparent 25%),
    radial-gradient(circle at 15% 25%, rgba(11,103,178,.14), transparent 28%),
    linear-gradient(135deg, #f8fcff 0%, #edf7ff 55%, #f2fcfa 100%);
}
.hero::after {
  content: ''; position: absolute; inset: auto -8% -130px auto; width: 420px; height: 420px;
  border: 75px solid rgba(11,103,178,.055); border-radius: 50%; pointer-events: none;
}
.hero-grid { min-height: 690px; display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 54px; padding: px 0 72px; }
.hero-copy { position: relative; z-index: 2; }
.hero-badge {
  display: inline-flex; gap: 9px; align-items: center; margin-bottom: 20px; padding: 8px 13px;
  border-radius: 999px; color: var(--primary-deep); background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow-sm); font-weight: 800; font-size: 13px;
}
.hero-badge span { width: 9px; height: 9px; border-radius: 50%; background: var(--success); box-shadow: 0 0 0 5px rgba(21,155,104,.12); }
.hero h1 { font-size: clamp(42px, 5.8vw, 68px); margin-bottom: 22px; letter-spacing: -.045em; }
.hero h1 strong { color: var(--primary); }
.hero-copy > p { max-width: 690px; font-size: 18px; margin-bottom: 28px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 30px; }
.hero-points { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 10px 18px; max-width: 620px; }
.hero-points li { color: #29415d; font-weight: 700; font-size: 14px; }
.hero-points i { color: var(--success); margin-right: 8px; }
.hero-visual { position: relative; z-index: 1; }
.hero-visual img { height: 400px; width: 600px; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.floating-card {
  position: absolute; background: #fff; border-radius: 16px; padding: 13px 16px; box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 11px; color: var(--primary-deep); font-weight: 800; font-size: 13px;
  animation: float 4s ease-in-out infinite;
}
.floating-card.one { left: 1%; top: 16%; }
.floating-card.two { right: 0; bottom: 13%; animation-delay: -1.6s; }
.floating-card i { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 12px; background: var(--surface-blue); color: var(--primary); }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }

.hero-marquee-section {
  position: relative; padding: 22px 0 26px; overflow: hidden;
  background: linear-gradient(135deg, #dceefc 0%, #eaf6ff 55%, #f2fbfa 100%);
  border-bottom: 1px solid rgba(11,103,178,.12);
}
.hero-marquee {
  position: relative; z-index: 2; overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}
.hero-marquee-track { display: flex; width: max-content; animation: heroMarquee 24s linear infinite; }
@media (hover: hover) and (pointer: fine) {
  .hero-marquee:hover .hero-marquee-track { animation-play-state: paused; }
}
.hero-marquee-item {
  display: inline-flex; align-items: center; gap: 9px; white-space: nowrap; margin-right: 14px;
  padding: 11px 20px; border-radius: 999px; background: #fff; border: 1px solid var(--border);
  box-shadow: var(--shadow-sm); color: #29415d; font-weight: 700; font-size: 13.5px;
}
.hero-marquee-item i { color: var(--success); }
@keyframes heroMarquee { from { transform: translateX(0); } to { transform: translateX(-33.3334%); } }
@media (max-width: 600px) {
  .hero-marquee-section { padding: 16px 0 20px; }
  .hero-marquee-item { padding: 9px 16px; font-size: 12.5px; }
}

.hero-page { min-height: auto; }
.hero-page .hero-grid { min-height: auto; padding: px 0 56px; }
.hero-page .hero-visual img { max-height: 480px; }

.trust-strip { position: relative; margin-top: 0; z-index: 4; }
.trust-grid { display: grid; grid-template-columns: repeat(4,1fr); background: #fff; border-radius: 22px; box-shadow: var(--shadow-md); overflow: hidden; }
.trust-item { padding: 24px 25px; display: flex; align-items: center; gap: 14px; border-right: 1px solid var(--border); }
.trust-item:last-child { border-right: 0; }
.trust-icon { width: 50px; height: 50px; border-radius: 14px; flex: 0 0 auto; display: grid; place-items: center; background: var(--surface-blue); color: var(--primary); font-size: 20px; }
.trust-item strong { display: block; color: var(--primary-deep); line-height: 1.25; }
.trust-item span { display: block; color: var(--muted); font-size: 12px; margin-top: 3px; }

.grid-2 { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 50px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 22px; }
.content-image { position: relative; }
.content-image > img { width: 100%; min-height: 460px; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.image-tag { position: absolute; left: -22px; bottom: 28px; padding: 16px 20px; border-radius: 16px; background: #fff; box-shadow: var(--shadow-md); }
.image-tag strong { color: var(--primary-deep); font-size: 25px; display: block; }
.image-tag span { color: var(--muted); font-size: 13px; }
.content-copy h2 { font-size: clamp(32px,4vw,48px); margin-bottom: 18px; letter-spacing: -.03em; }
.content-copy p { margin-bottom: 17px; }
.check-list { display: grid; gap: 12px; margin: 24px 0 28px; }
.check-list.two-col { grid-template-columns: repeat(2,minmax(0,1fr)); }
.check-list li { display: flex; gap: 11px; align-items: flex-start; color: #29415d; font-weight: 700; }
.check-list i { margin-top: 5px; color: var(--success); }

.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-md); padding: 28px;
  box-shadow: var(--shadow-sm); transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: #bcd8eb; }
.icon-box { width: 58px; height: 58px; border-radius: 16px; display: grid; place-items: center; background: linear-gradient(135deg,var(--surface-blue),#e7fbf7); color: var(--primary); font-size: 23px; margin-bottom: 19px; transition: background var(--transition), color var(--transition), transform var(--transition); }
.card:hover .icon-box { background: var(--primary); color: #fff; transform: scale(1.08); }
.card h3 { font-size: 20px; margin-bottom: 10px; }
.card p { margin-bottom: 0; font-size: 14px; }
.card-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 17px; color: var(--primary); font-weight: 800; font-size: 14px; }
.card-link i { transition: transform var(--transition); }
.card-link:hover i { transform: translateX(4px); }

.country-card { padding: 0; overflow: hidden; position: relative; }
.country-image { height: 205px; position: relative; overflow: hidden; }
.country-image img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.country-card:hover .country-image img { transform: scale(1.06); }
.country-flag { position: absolute; right: 16px; top: 184px; z-index: 2; width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: #fff; box-shadow: var(--shadow-sm); font-size: 27px; }
.country-body { padding: 25px 24px 24px; }
.country-body h3 { margin-bottom: 12px; }
.country-body ul { display: grid; gap: 8px; }
.country-body li { color: var(--muted); font-size: 13px; }
.country-body li::before { content: '✓'; margin-right: 8px; color: var(--success); font-weight: 900; }

.process-wrap { position: relative; }
.process-line { position: absolute; top: 47px; left: 8%; right: 8%; height: 2px; background: linear-gradient(90deg,var(--primary),var(--secondary)); opacity: .3; }
.process-grid { position: relative; display: grid; grid-template-columns: repeat(6,1fr); gap: 18px; }
.process-step { text-align: center; }
.process-num { width: 70px; height: 70px; margin: 0 auto 18px; border: 8px solid #fff; outline: 2px solid rgba(11,103,178,.18); border-radius: 50%; background: linear-gradient(135deg,var(--primary),var(--secondary)); color: #fff; display: grid; place-items: center; font-weight: 800; box-shadow: var(--shadow-sm); }
.process-step h3 { font-size: 16px; margin-bottom: 8px; }
.process-step p { font-size: 12px; margin: 0; line-height: 1.55; }

.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: rgba(255,255,255,.18); border: 1px solid rgba(255,255,255,.18); border-radius: 24px; overflow: hidden; }
.stat { padding: 32px 22px; text-align: center; background: rgba(255,255,255,.06); }
.stat strong { display: block; font-size: 40px; color: #fff; line-height: 1.1; }
.stat span { display: block; margin-top: 8px; color: rgba(255,255,255,.78); font-size: 13px; }

.testimonial-card { position: relative; }
.quote-icon { position: absolute; right: 24px; top: 20px; color: var(--surface-blue); font-size: 54px; }
.stars { color: #f2ae19; margin-bottom: 15px; letter-spacing: 2px; }
.testimonial-card > p { font-size: 15px; position: relative; z-index: 1; }
.person { display: flex; align-items: center; gap: 13px; margin-top: 21px; }
.person img { width: 52px; height: 52px; object-fit: cover; border-radius: 50%; }
.person strong { display: block; color: var(--primary-deep); }
.person span { color: var(--muted); font-size: 12px; }

.loan-panel { padding: 46px; border-radius: var(--radius-lg); background: linear-gradient(135deg,var(--primary-deep),#0a7cac); color: #fff; display: grid; grid-template-columns: 1.25fr .75fr; gap: 35px; align-items: center; box-shadow: var(--shadow-lg); overflow: hidden; position: relative; }
.loan-panel::after { content: ''; position: absolute; right: -110px; top: -120px; width: 310px; height: 310px; border-radius: 50%; background: rgba(255,255,255,.08); }
.loan-panel h2,.loan-panel p,.loan-panel li { color: #fff; }
.loan-panel p { opacity: .83; }
.loan-panel .check-list { margin-bottom: 0; }
.loan-panel .check-list i { color: var(--accent); }
.loan-actions { position: relative; z-index: 2; display: flex; justify-content: flex-end; flex-wrap: wrap; gap: 11px; }

.faq-list { max-width: 880px; margin-inline: auto; display: grid; gap: 13px; }
.faq-item { border: 1px solid var(--border); border-radius: 15px; background: #fff; overflow: hidden; }
.faq-question { width: 100%; border: 0; background: transparent; text-align: left; padding: 19px 22px; display: flex; justify-content: space-between; gap: 20px; color: var(--primary-deep); font-weight: 800; }
.faq-question i { color: var(--primary); transition: transform var(--transition); }
.faq-answer { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .3s ease; }
.faq-answer > div { overflow: hidden; }
.faq-answer p { padding: 0 22px 20px; margin: 0; }
.faq-item.open .faq-answer { grid-template-rows: 1fr; }
.faq-item.open .faq-question i { transform: rotate(45deg); }

.cta-banner { border-radius: var(--radius-lg); padding: 50px; display: flex; align-items: center; justify-content: space-between; gap: 35px; background: linear-gradient(125deg,var(--primary),#08588d 65%,#087e91); box-shadow: var(--shadow-lg); position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; width: 270px; height: 270px; right: 12%; top: -170px; border-radius: 50%; border: 45px solid rgba(255,255,255,.1); }
.cta-banner h2,.cta-banner p { color: #fff; }
.cta-banner h2 { font-size: clamp(29px,4vw,44px); margin-bottom: 10px; }
.cta-banner p { opacity: .85; margin: 0; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 11px; flex: 0 0 auto; position: relative; z-index: 2; }

.mission-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.mission-card { padding: 36px; border-radius: 24px; min-height: 100%; }
.mission-card:first-child { background: linear-gradient(135deg,var(--primary-deep),#0b72aa); }
.mission-card:last-child { background: linear-gradient(135deg,#0c8b86,#0aa6a6); }
.mission-card h3,.mission-card p { color: #fff; }
.mission-card p { opacity: .85; margin: 0; }

.value-pill-list { display: flex; flex-wrap: wrap; gap: 12px; }
.value-pill { display: inline-flex; align-items: center; gap: 9px; padding: 12px 17px; border: 1px solid var(--border); border-radius: 999px; background: #fff; color: var(--primary-deep); font-weight: 700; box-shadow: var(--shadow-sm); }
.value-pill i { color: var(--success); }

.service-detail { display: grid; grid-template-columns: 70px 1fr; gap: 20px; align-items: start; }
.service-detail .icon-box { margin: 0; }
.service-detail h3 { font-size: 22px; }
.service-detail ul { margin-top: 13px; display: flex; flex-wrap: wrap; gap: 8px; }
.service-detail li { padding: 6px 10px; border-radius: 8px; background: var(--surface-blue); color: #36536e; font-size: 12px; font-weight: 700; }

.gallery-toolbar { display: flex; justify-content: center; flex-wrap: wrap; gap: 9px; margin-bottom: 34px; }
.filter-btn { border: 1px solid var(--border); background: #fff; color: #39536c; padding: 10px 16px; border-radius: 999px; font-weight: 800; }
.filter-btn:hover,.filter-btn.active { background: var(--primary); color: #fff; border-color: var(--primary); }
.gallery-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 19px; }
.gallery-item { position: relative; border-radius: 18px; overflow: hidden; min-height: 285px; box-shadow: var(--shadow-sm); cursor: pointer; }
.gallery-item.hide { display: none; }
.gallery-item img { width: 100%; height: 100%; min-height: 285px; object-fit: cover; transition: transform .5s ease; }
.gallery-overlay { position: absolute; inset: auto 0 0; padding: 42px 21px 19px; background: linear-gradient(transparent,rgba(3,27,52,.9)); color: #fff; transform: translateY(12px); opacity: .92; transition: all var(--transition); }
.gallery-overlay h3 { color: #fff; margin-bottom: 3px; font-size: 17px; }
.gallery-overlay span { font-size: 12px; opacity: .8; }
.gallery-item:hover img { transform: scale(1.06); }
.gallery-item:hover .gallery-overlay { transform: translateY(0); opacity: 1; }

.lightbox { position: fixed; inset: 0; z-index: 3000; background: rgba(3,21,39,.92); display: none; align-items: center; justify-content: center; padding: 30px; }
.lightbox.open { display: flex; }
.lightbox-content { max-width: 980px; width: 100%; position: relative; }
.lightbox img { max-height: 78vh; width: 100%; object-fit: contain; border-radius: 16px; background: #fff; }
.lightbox-caption { text-align: center; color: #fff; margin-top: 12px; }
.lightbox-close { position: fixed; top: 22px; right: 24px; width: 45px; height: 45px; border: 0; border-radius: 50%; background: #fff; color: var(--primary-deep); font-size: 21px; }

.video-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 20px; }
.video-card { border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-sm); background: #000; }
.video-card video { display: block; width: 100%; max-height: 420px; background: #000; }
@media (max-width: 820px) { .video-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 600px) { .video-grid { grid-template-columns: 1fr; } }

.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 42px; align-items: start; }
.contact-cards { display: grid; gap: 14px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; padding: 20px; border: 1px solid var(--border); border-radius: 16px; background: #fff; box-shadow: var(--shadow-sm); }
.contact-card i { width: 44px; height: 44px; flex: 0 0 auto; display: grid; place-items: center; border-radius: 12px; background: var(--surface-blue); color: var(--primary); }
.contact-card strong { display: block; color: var(--primary-deep); margin-bottom: 2px; }
.contact-card p,.contact-card a { margin: 0; color: var(--muted); font-size: 14px; }
.form-card { padding: 34px; border-radius: 24px; background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow-md); }
.form-card h2 { margin-bottom: 7px; }
.form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 17px; margin-top: 24px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { display: block; margin-bottom: 7px; color: var(--primary-deep); font-weight: 800; font-size: 13px; }
.form-control { width: 100%; min-height: 50px; border: 1px solid #cfdde8; border-radius: 11px; padding: 11px 13px; color: var(--ink); background: #fbfdff; outline: none; transition: border-color var(--transition), box-shadow var(--transition); }
.form-control:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(11,103,178,.11); }
textarea.form-control { min-height: 120px; resize: vertical; }
.form-check { display: flex; align-items: flex-start; gap: 10px; }
.form-check input { margin-top: 6px; }
.form-check label { color: var(--muted); font-size: 12px; }
.form-status { display: none; margin-top: 14px; padding: 12px 14px; border-radius: 10px; font-size: 13px; font-weight: 700; }
.form-status.show { display: block; }
.form-status.success { color: #0d704b; background: #e4f7ef; border: 1px solid #b9ead6; }
.form-status.error { color: #9f3030; background: #fdecec; border: 1px solid #f5caca; }
.map-frame { border: 0; width: 100%; min-height: 420px; border-radius: 22px; box-shadow: var(--shadow-md); }

.site-footer { background: #042a52; color: #fff; padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.35fr .75fr .9fr 1fr; gap: 42px; }
.footer-brand img { height: 92px; width: auto; background: #fff; border-radius: 11px; padding: 10px; }
.footer-brand p { color: rgba(255,255,255,.7); font-size: 14px; margin: 19px 0; }
.socials { display: flex; gap: 9px; }
.socials a { width: 39px; height: 39px; border-radius: 10px; display: grid; place-items: center; background: rgba(255,255,255,.1); color: #fff; }
.socials a:hover { background: var(--accent); color: var(--primary-deep); }
.footer-col h3 { color: #fff; font-size: 17px; margin-bottom: 20px; }
.footer-links { display: grid; gap: 11px; }
.footer-links a { color: rgba(255,255,255,.7); font-size: 14px; }
.footer-links a:hover { color: var(--accent); }
.footer-contact { display: grid; gap: 13px; }
.footer-contact li { display: flex; gap: 10px; color: rgba(255,255,255,.72); font-size: 13px; }
.footer-contact i { color: var(--accent); margin-top: 5px; }
.footer-bottom { margin-top: 52px; border-top: 1px solid rgba(255,255,255,.12); padding: 20px 0; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.footer-bottom p { color: rgba(255,255,255,.62); font-size: 12px; margin: 0; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 17px; }
.footer-legal a { color: rgba(255,255,255,.62); font-size: 12px; }

.floating-actions { position: fixed; z-index: 1100; right: 18px; bottom: 20px; display: grid; gap: 10px; }
.float-btn { width: 52px; height: 52px; border-radius: 50%; display: grid; place-items: center; color: #fff; box-shadow: var(--shadow-md); font-size: 20px; transition: transform var(--transition); }
.float-btn:hover { transform: translateY(-3px) scale(1.03); }
.float-btn.whatsapp { background: #25d366; }
.float-btn.call { background: var(--primary); }
.back-to-top { opacity: 0; visibility: hidden; border: 0; background: var(--primary-deep); }
.back-to-top.show { opacity: 1; visibility: visible; }

.reveal { opacity: 0; transform: translateY(22px); transition: opacity .65s ease, transform .65s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

.notice { padding: 14px 17px; border-radius: 12px; background: #fff8e5; border: 1px solid #f0d791; color: #705616; font-size: 13px; }

@media (max-width: 1060px) {
  .nav-links { position: fixed; inset: 82px 0 auto; padding: 18px 16px 24px; background: #fff; display: grid; gap: 2px; transform: translateY(-120%); opacity: 0; visibility: hidden; transition: all .3s ease; border-bottom: 1px solid var(--border); box-shadow: var(--shadow-md); }
  .nav-links.open { transform: translateY(0); opacity: 1; visibility: visible; }
  .nav-links > li > a { padding: 13px 15px; }
  .menu-toggle { display: inline-flex; }
  .nav-actions .btn { display: none; }
  .hero-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .trust-grid { grid-template-columns: repeat(2,1fr); }
  .trust-item:nth-child(2) { border-right: 0; }
  .trust-item:nth-child(-n+2) { border-bottom: 1px solid var(--border); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .process-grid { grid-template-columns: repeat(3,1fr); row-gap: 35px; }
  .process-line { display: none; }
  .footer-grid { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 820px) {
  .topbar-list:last-child { display: none; }
  .topbar-inner { justify-content: center; }
  .hero-grid,.grid-2,.contact-grid,.loan-panel { grid-template-columns: 1fr; }
  .hero-grid { padding-top: px; }
  .hero-visual { max-width: 630px; margin-inline: auto; }
  .grid-3,.gallery-grid { grid-template-columns: repeat(2,1fr); }
  .stats { grid-template-columns: repeat(2,1fr); }
  .mission-grid { grid-template-columns: 1fr; }
  .loan-actions { justify-content: flex-start; }
  .cta-banner { align-items: flex-start; flex-direction: column; }
  .footer-bottom { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 600px) {
  .section { padding: 10px 0; }
  .section-sm { padding: px 0; }
  .navbar { min-height: 72px; }
  .brand img { height: 46px; }
  .brand-text strong { font-size: 16px; }
  .brand-text small { font-size: 10.5px; }
  .nav-links { inset: 72px 0 auto; }
  .topbar { display: none; }
  .hero,.hero-grid { min-height: auto; }
  .hero-grid { padding: px 0 78px; }
  .hero h1 { font-size: 42px; }
  .hero-copy > p { font-size: 16px; }
  .hero-points { grid-template-columns: 1fr; }
  .hero-actions .btn { width: 100%; }
  .floating-card { display: none; }
  .trust-strip { margin-top: 0; }
  .trust-grid,.grid-3,.grid-4,.gallery-grid,.stats,.form-grid,.process-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--border); }
  .trust-item:last-child { border-bottom: 0; }
  .check-list.two-col { grid-template-columns: 1fr; }
  .content-image > img { min-height: 350px; }
  .image-tag { left: 14px; bottom: 14px; }
  .loan-panel,.cta-banner,.form-card { padding: 28px 22px; }
  .service-detail { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid { gap: 32px; text-align: center; justify-items: center; }
  .footer-brand { display: flex; flex-direction: column; align-items: center; }
  .socials { justify-content: center; }
  .footer-links { justify-items: center; }
  .footer-contact li { justify-content: center; text-align: left; }
  .footer-bottom { flex-direction: column; align-items: center; text-align: center; }
  .footer-legal { justify-content: center; }
  .floating-actions { right: 12px; bottom: 14px; }
  .float-btn { width: 48px; height: 48px; }
}

.enquiry-popup { position: fixed; inset: 0; z-index: 4000; display: none; align-items: center; justify-content: center; padding: 24px; }
.enquiry-popup.open { display: flex; }
.enquiry-popup-overlay { position: absolute; inset: 0; background: rgba(3,21,39,.6); backdrop-filter: blur(2px); animation: popupFade 220ms ease; }
.enquiry-popup-panel {
  position: relative; width: 100%; max-width: 480px; max-height: 90vh; overflow-y: auto;
  background: #fff; border-radius: var(--radius-md); box-shadow: var(--shadow-lg); padding: 34px;
  animation: popupPop 260ms cubic-bezier(.2,.8,.3,1.2);
}
.enquiry-popup-close {
  position: absolute; top: 16px; right: 16px; width: 38px; height: 38px; border: 0; border-radius: 50%;
  background: var(--surface-blue); color: var(--primary-deep); font-size: 16px; display: grid; place-items: center; cursor: pointer;
}
.enquiry-popup-close:hover { background: var(--border); }
.enquiry-popup-head { margin-bottom: 22px; }
.enquiry-popup-head h3 { font-size: 24px; letter-spacing: -.02em; margin: 8px 0; }
.enquiry-popup-head p { margin-bottom: 0; font-size: 14px; }
.enquiry-popup-form .form-group { margin-bottom: 15px; }
.enquiry-popup-form .form-check { margin-bottom: 18px; }
.enquiry-popup-form .hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
body.popup-open { overflow: hidden; }
@keyframes popupFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes popupPop { from { opacity: 0; transform: translateY(14px) scale(.97); } to { opacity: 1; transform: translateY(0) scale(1); } }
@media (max-width: 560px) {
  .enquiry-popup-panel { padding: 26px 20px; }
}

.enquiry-popup-success { text-align: center; padding: 20px 6px 6px; }
.enquiry-popup-success .success-icon { font-size: 56px; color: var(--success); margin-bottom: 16px; }
.enquiry-popup-success h3 { font-size: 23px; letter-spacing: -.02em; margin-bottom: 10px; }
.enquiry-popup-success p { font-size: 14px; margin-bottom: 0; }

.thank-you-section { padding: 90px 0 100px; text-align: center; }
.thank-you-icon { font-size: 72px; color: var(--success); margin-bottom: 22px; }
.thank-you-section h1 { font-size: clamp(34px,5vw,52px); letter-spacing: -.03em; margin-bottom: 16px; }
.thank-you-section > .container > p { max-width: 560px; margin: 0 auto 32px; font-size: 17px; }
.thank-you-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }