/* ============ Design Tokens ============ */
:root {
  --bg: #fcfbf8;
  --fg: #0e1626;
  --muted: #5a6275;
  --card: #ffffff;
  --border: #e6e3da;
  --secondary: #f4f1ea;
  --primary: #0e2a4d;
  --primary-fg: #ffffff;
  --accent: #c9a14a;
  --accent-fg: #ffffff;

  --gradient-hero: linear-gradient(135deg, #0e2a4d 0%, #1a3a66 60%, #244a82 100%);
  --gradient-gold: linear-gradient(135deg, #c9a14a 0%, #e0bf6e 100%);
  --shadow-card: 0 6px 24px -10px rgba(14, 22, 38, 0.18);
  --shadow-elegant: 0 20px 60px -20px rgba(14, 22, 38, 0.35);
  --radius: 1rem;
  --radius-lg: 1.5rem;
  --radius-xl: 2rem;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--fg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.text-center { text-align: center; }
.mt-lg { margin-top: 2rem; }
.mt-xl { margin-top: 3.5rem; }

.eyebrow {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.25em;
  text-transform: uppercase; color: var(--accent);
}
.eyebrow--light { color: rgba(255,255,255,0.6); }

.section { padding: 5.5rem 0; }
.section--alt { background: rgba(244, 241, 234, 0.6); }
.section__header { max-width: 42rem; margin: 0 auto; text-align: center; }
.section__title { font-size: 2rem; font-weight: 700; margin-top: 0.75rem; letter-spacing: -0.01em; }
@media (min-width: 640px) { .section__title { font-size: 2.5rem; } }

.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: 1fr; }
.grid--3 { grid-template-columns: 1fr; }
.grid--4 { grid-template-columns: 1fr; }
.grid--founder, .grid--why, .grid--contact { grid-template-columns: 1fr; align-items: center; }
@media (min-width: 640px) {
  .grid--2 { grid-template-columns: 1fr 1fr; }
  .grid--4 { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1024px) {
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
  .grid--founder { grid-template-columns: 5fr 7fr; gap: 3rem; }
  .grid--why { grid-template-columns: 1fr 1fr; gap: 3rem; }
  .grid--contact { grid-template-columns: 1fr 1fr; gap: 3rem; }
}

/* ============ Nav ============ */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(252, 251, 248, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(230, 227, 218, 0.6);
}
.nav__inner { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.5rem; max-width: 1200px; margin: 0 auto; }
.brand { display: flex; align-items: center; gap: 0.75rem; }
.brand img { height: 48px; width: 48px; object-fit: contain; }
.brand__name { font-weight: 800; font-size: 1rem; letter-spacing: -0.01em; }
.nav__links { display: none; gap: 2rem; font-size: 0.875rem; font-weight: 500; }
.nav__links a { color: var(--muted); transition: color 0.2s; }
.nav__links a:hover { color: var(--fg); }
@media (min-width: 768px) { .nav__links { display: flex; } }
.nav__cta { display: none; }
@media (min-width: 640px) { .nav__cta { display: inline-flex; } }

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-weight: 600; font-size: 0.875rem;
  padding: 0.85rem 1.75rem;
  border-radius: 0.5rem; border: 1px solid transparent;
  cursor: pointer; transition: all 0.2s ease;
}
.btn--pill { border-radius: 999px; }
.btn--primary { background: var(--primary); color: var(--primary-fg); box-shadow: var(--shadow-card); }
.btn--primary:hover { transform: translateY(-1px); opacity: 0.92; }
.btn--ghost { background: var(--card); color: var(--fg); border-color: var(--border); }
.btn--ghost:hover { background: var(--secondary); }
.i { width: 16px; height: 16px; }

/* ============ Hero ============ */
.hero { padding: 1.5rem 0 2.5rem; }
.hero__img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-elegant); animation: fadeIn 0.7s ease-out; }
.hero__ctas { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.75rem; margin-top: 2rem; }

@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* ============ Cards / Services ============ */
.card {
  position: relative; overflow: hidden;
  background: var(--card); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.75rem;
  box-shadow: var(--shadow-card); transition: all 0.3s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-elegant); }
.card__icon {
  width: 48px; height: 48px; border-radius: 0.75rem;
  background: rgba(14, 42, 77, 0.08); color: var(--primary);
  display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 1.25rem;
}
.card h3 { font-size: 1.125rem; font-weight: 600; }
.card p { margin-top: 0.5rem; font-size: 0.875rem; color: var(--muted); line-height: 1.6; }

/* ============ Why ============ */
.why__img-wrap { position: relative; }
.why__img-wrap img { border-radius: var(--radius-xl); box-shadow: var(--shadow-elegant); object-fit: cover; aspect-ratio: 4/3; }
.why__badge {
  position: absolute; bottom: -1.5rem; right: -1.5rem;
  display: none; background: var(--card); padding: 1.25rem;
  border-radius: var(--radius); box-shadow: var(--shadow-elegant);
  align-items: center; gap: 0.75rem;
}
@media (min-width: 640px) { .why__badge { display: flex; } }
.why__badge-icon { width: 48px; height: 48px; border-radius: 0.75rem; background: var(--gradient-gold); color: white; display: grid; place-items: center; font-size: 1.25rem; }
.why__badge-num { font-size: 1.5rem; font-weight: 700; }
.why__badge-label { font-size: 0.75rem; color: var(--muted); }
.check {
  display: flex; align-items: flex-start; gap: 0.75rem;
  background: var(--card); border: 1px solid var(--border);
  padding: 1rem; border-radius: 0.75rem; font-size: 0.875rem; font-weight: 500;
  color: var(--fg);
}

/* ============ Feature Strip ============ */
.feature-strip { padding: 4rem 0; background: var(--gradient-hero); color: white; }
.feature-strip__title { margin-top: 0.75rem; font-size: 1.5rem; font-weight: 700; }
@media (min-width: 640px) { .feature-strip__title { font-size: 1.875rem; } }
.glass {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg); padding: 1.5rem;
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  transition: all 0.3s ease;
}
.glass:hover { transform: translateY(-4px); background: rgba(255,255,255,0.12); }
.glass__icon { font-size: 1.75rem; }
.glass__label { margin-top: 0.5rem; font-size: 0.875rem; font-weight: 600; }

/* ============ Loan Solutions ============ */
.loan-card {
  position: relative; overflow: hidden;
  background: var(--card); border: 1px solid var(--border);
  border-radius: var(--radius-xl); padding: 2rem;
  box-shadow: var(--shadow-card); transition: all 0.3s ease;
}
.loan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-elegant); }
.loan-card__head { display: flex; align-items: center; gap: 1rem; }
.loan-card__icon {
  width: 56px; height: 56px; border-radius: var(--radius);
  background: var(--gradient-hero); color: white;
  display: grid; place-items: center; font-size: 1.5rem;
}
.loan-card h3 { font-size: 1.25rem; font-weight: 600; }
.loan-card ul { margin-top: 1.5rem; display: grid; gap: 0.75rem; }
.loan-card li { display: flex; align-items: flex-start; gap: 0.75rem; font-size: 0.875rem; }
.loan-card li::before {
  content: ''; width: 6px; height: 6px; border-radius: 50%;
  background: var(--accent); margin-top: 0.6rem; flex-shrink: 0;
}

/* ============ Expertise ============ */
.pill-card {
  display: flex; align-items: center; gap: 1rem;
  background: var(--card); border: 1px solid var(--border);
  padding: 1.1rem 1.5rem; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card); font-weight: 500;
  color: var(--accent);
}
.pill-card { color: var(--fg); }

/* ============ Founder ============ */
.founder__img-wrap { position: relative; }
.founder__img-wrap::before {
  content: ''; position: absolute; inset: -1rem; border-radius: var(--radius-xl);
  background: var(--gradient-hero); opacity: 0.2; filter: blur(40px); z-index: 0;
}
.founder__img-wrap img {
  position: relative; width: 100%; aspect-ratio: 4/5; object-fit: cover;
  border-radius: var(--radius-xl); box-shadow: var(--shadow-elegant); z-index: 1;
}
.lead { margin-top: 1.5rem; font-size: 1rem; line-height: 1.7; color: var(--muted); }
.lead strong { color: var(--fg); }
.chip {
  display: flex; align-items: center; gap: 0.75rem;
  background: var(--card); border: 1px solid var(--border);
  padding: 1rem; border-radius: 0.75rem; font-size: 0.875rem; font-weight: 500;
}
.chip__icon {
  width: 40px; height: 40px; border-radius: 0.5rem;
  background: rgba(14, 42, 77, 0.08); color: var(--primary);
  display: grid; place-items: center; font-size: 1.1rem; flex-shrink: 0;
}
.founder__badge {
  display: inline-flex; align-items: center; gap: 0.75rem;
  background: var(--card); border: 1px solid var(--border);
  padding: 1rem 1.25rem; border-radius: var(--radius);
  box-shadow: var(--shadow-card);
}
.founder__badge-icon { width: 48px; height: 48px; border-radius: 0.75rem; background: var(--gradient-gold); color: white; display: grid; place-items: center; font-size: 1.3rem; }
.founder__badge-name { font-size: 1rem; font-weight: 700; }
.founder__badge-role { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); }

/* ============ Branches ============ */
.branch {
  display: flex; align-items: center; gap: 1.25rem;
  background: var(--card); border: 1px solid var(--border);
  padding: 2rem; border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card); transition: transform 0.3s ease;
}
.branch:hover { transform: translateY(-4px); }
.branch__icon {
  width: 64px; height: 64px; border-radius: var(--radius);
  background: var(--gradient-hero); color: white;
  display: grid; place-items: center; font-size: 1.5rem; flex-shrink: 0;
}
.branch__label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); }
.branch__name { font-size: 1.5rem; font-weight: 700; }
.branch__hours { display: flex; align-items: center; gap: 0.5rem; font-size: 0.875rem; color: var(--muted); margin-top: 0.25rem; }

/* ============ Contact ============ */
.contact { padding: 5.5rem 0; background: var(--gradient-hero); color: white; }
.contact__title { margin-top: 0.75rem; font-size: 2rem; font-weight: 700; line-height: 1.2; }
@media (min-width: 640px) { .contact__title { font-size: 2.75rem; } }
.contact__lead { margin-top: 1.25rem; max-width: 32rem; color: rgba(255,255,255,0.8); }
.contact__card {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15);
  padding: 2rem; border-radius: var(--radius-xl);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
}
@media (min-width: 640px) { .contact__card { padding: 2.5rem; } }
.contact__row {
  display: flex; align-items: center; gap: 1rem;
  background: rgba(255,255,255,0.05); padding: 1rem;
  border-radius: 0.75rem; margin-top: 1.25rem; transition: background 0.2s;
}
.contact__row:hover { background: rgba(255,255,255,0.12); }
.contact__row-icon {
  width: 44px; height: 44px; border-radius: 50%;
  background: white; color: var(--primary);
  display: grid; place-items: center; font-size: 1.1rem;
}
.contact__row-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.6); }
.contact__row-val { font-weight: 600; }

/* ============ Footer ============ */
.footer { border-top: 1px solid var(--border); background: var(--bg); padding: 1.5rem 0; }
.footer .container { font-size: 0.875rem; color: var(--muted); }
.footer a { font-weight: 600; color: var(--fg); border-bottom: 1px solid transparent; transition: border-color 0.2s; }
.footer a:hover { border-color: var(--fg); }

/* ============ WhatsApp ============ */
.whatsapp {
  position: fixed; bottom: 1.5rem; right: 1.5rem; z-index: 50;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25D366; color: white;
  display: grid; place-items: center;
  box-shadow: 0 10px 30px -8px rgba(37,211,102,0.6);
  transition: transform 0.2s;
}
.whatsapp:hover { transform: scale(1.1); }
.whatsapp__pulse {
  position: absolute; inset: 0; border-radius: 50%;
  background: #25D366; opacity: 0.3; animation: ping 1.6s cubic-bezier(0,0,0.2,1) infinite;
}
@keyframes ping {
  75%, 100% { transform: scale(1.6); opacity: 0; }
}

/* ============ Reveal animations ============ */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease-out, transform 0.7s ease-out; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }