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

:root {
  --primary: #1a4fba;
  --primary-dark: #0f357a;
  --primary-light: #e8effd;
  --accent: #f5a623;
  --accent-dark: #d4891a;
  --text: #1a1d2e;
  --text-muted: #5a6380;
  --bg: #ffffff;
  --bg-alt: #f7f9ff;
  --border: #e2e8f0;
  --card-shadow: 0 4px 24px rgba(26, 79, 186, 0.08);
  --card-shadow-hover: 0 12px 40px rgba(26, 79, 186, 0.18);
  --radius: 16px;
  --radius-sm: 10px;
  --transition: 0.25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { display: block; max-width: 100%; }

/* ===== NAVBAR ===== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.navbar.scrolled {
  border-bottom-color: var(--border);
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary-dark);
  letter-spacing: -0.3px;
  white-space: nowrap;
}
.logo span { color: var(--accent); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-size: 0.93rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--primary); }

.nav-cta {
  background: var(--primary) !important;
  color: #fff !important;
  padding: 9px 20px;
  border-radius: 8px;
  font-weight: 600 !important;
  transition: background var(--transition) !important;
}
.nav-cta:hover { background: var(--primary-dark) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  position: relative;
  z-index: 200;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 28px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
}
.btn-primary:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(26,79,186,0.3);
}

.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: #fff;
}

.full-width { width: 100%; }

/* ===== HERO ===== */
.hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--primary-dark) 0%, #1a4fba 55%, #2563eb 100%);
  color: #fff;
  padding: 100px 0 120px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='4'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-shape {
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--bg);
  clip-path: ellipse(60% 100% at 50% 100%);
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 24px;
  text-transform: uppercase;
}

.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -1px;
  margin-bottom: 20px;
}

.accent { color: var(--accent); }

.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.82);
  max-width: 600px;
  margin-bottom: 36px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.stat { display: flex; flex-direction: column; }
.stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
}
.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
  margin-top: 4px;
}

.stat-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.2);
}

/* ===== SECTIONS ===== */
.section { padding: 90px 0; }
.section-alt { background: var(--bg-alt); }

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.section-header h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 12px;
}

.section-header p {
  font-size: 1rem;
  color: var(--text-muted);
  max-width: 520px;
  margin: 0 auto;
}

/* ===== SOLUTIONS CARDS ===== */
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.solution-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

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

.card-icon {
  font-size: 2.4rem;
  width: 60px;
  height: 60px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.card-icon.home    { background: #fff3e0; }
.card-icon.personal { background: #e8f5e9; }
.card-icon.business { background: #fce4ec; }
.card-icon.credit   { background: #e3f2fd; }
.card-icon.wealth   { background: #f3e5f5; }
.card-icon.insurance { background: #e8eaf6; }

.solution-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
}

.solution-card > p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.card-list {
  margin: 4px 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
  flex: 1;
}

.card-list li {
  font-size: 0.85rem;
  color: var(--text-muted);
  padding-left: 16px;
  position: relative;
}
.card-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: 700;
  font-size: 0.75rem;
  top: 1px;
}

.card-link {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary);
  margin-top: auto;
  transition: letter-spacing var(--transition);
}
.card-link:hover { letter-spacing: 0.3px; }

/* ===== FEATURES GRID ===== */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px 28px;
  border: 1px solid var(--border);
  transition: box-shadow var(--transition), transform var(--transition);
}

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

.feature-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}

.feature-card h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ===== WHO WE SERVE ===== */
.serve-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
}

.serve-pill {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 100px;
  padding: 12px 24px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text);
  transition: all var(--transition);
  cursor: default;
}

.serve-pill:hover {
  border-color: var(--primary);
  background: var(--primary-light);
  color: var(--primary);
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(26,79,186,0.12);
}

/* ===== PROCESS ===== */
.steps-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 0;
}

.step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  transition: box-shadow var(--transition), transform var(--transition);
}

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

.step-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--primary-light);
  line-height: 1;
  margin-bottom: 16px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.step-card h4 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.step-connector {
  width: 50px;
  height: 2px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  margin-top: 60px;
  opacity: 0.4;
  border-radius: 2px;
}

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--primary-dark) 0%, #1a4fba 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  background: rgba(245,166,35,0.12);
  border-radius: 50%;
}

.cta-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.cta-text .section-tag.light {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
}

.cta-text h2 {
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 800;
  letter-spacing: -0.5px;
  margin: 16px 0;
  line-height: 1.25;
}

.cta-text p {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 32px;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 14px 20px;
  border-radius: 12px;
  width: fit-content;
  transition: background var(--transition);
}

.contact-item:hover { background: rgba(255,255,255,0.18); }

.contact-icon { font-size: 1.8rem; }

.contact-item small {
  display: block;
  font-size: 0.75rem;
  opacity: 0.7;
  margin-bottom: 2px;
}

.contact-item strong {
  font-size: 1.2rem;
  font-weight: 700;
}

/* ===== FORM ===== */
.cta-form-wrap {
  display: flex;
  justify-content: center;
}

.cta-form {
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 32px;
  width: 100%;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}

.cta-form h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 24px;
  text-align: center;
}

.form-group { margin-bottom: 14px; }

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,79,186,0.1);
}

.form-group textarea { resize: vertical; }

.form-group select { cursor: pointer; }

/* ===== FOOTER ===== */
.footer {
  background: #0b1f4a;
  color: rgba(255,255,255,0.75);
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding: 64px 24px 48px;
}

.footer-brand .logo {
  font-size: 1.4rem;
  color: #fff;
  margin-bottom: 16px;
  display: block;
}

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 16px;
}

.footer-phone {
  font-size: 1rem;
  font-weight: 700;
  color: var(--accent);
  transition: opacity var(--transition);
}
.footer-phone:hover { opacity: 0.8; }

.footer-col h5 {
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  margin-bottom: 16px;
  letter-spacing: 0.3px;
}

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

.footer-col ul li a {
  font-size: 0.85rem;
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 24px;
  text-align: center;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .features-grid  { grid-template-columns: repeat(2, 1fr); }

  .steps-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }
  .step-connector { display: none; }

  .cta-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .cta-form-wrap { justify-content: stretch; }

  .footer-inner {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .nav-links {
    position: fixed;
    top: 68px;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 150;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 16px 24px 24px;
    border-top: 1px solid var(--border);
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
    overflow-y: auto;
    transform: translateY(-120%);
    opacity: 0;
    transition: transform 0.3s ease, opacity 0.3s ease;
    pointer-events: none;
  }
  .nav-links.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  .nav-links a { padding: 14px 0; border-bottom: 1px solid var(--border); }
  .nav-cta { margin-top: 12px; text-align: center; border-radius: 8px; border: none !important; }
  .hamburger { display: flex; }

  .hero { padding: 70px 0 100px; }

  .solutions-grid { grid-template-columns: 1fr; }
  .features-grid  { grid-template-columns: 1fr; }
  .steps-grid     { grid-template-columns: 1fr; }

  .hero-stats { gap: 20px; }
  .stat-divider { display: none; }
}

@media (max-width: 480px) {
  .section { padding: 64px 0; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
}