/* ============================================================
   QuickCredix – Main Stylesheet
   Color Palette: Navy Blue #0A2463, Teal #1E88E5, Green #2ECC71, White, Light Gray
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Poppins:wght@300;400;500;600;700;800&display=swap');

/* ---- CSS Variables ---- */
:root {
  --primary: #0A2463;
  --primary-light: #1a3a7a;
  --secondary: #1E88E5;
  --accent: #2ECC71;
  --accent-dark: #27ae60;
  --gold: #F4B942;
  --white: #ffffff;
  --light: #f0f4ff;
  --light-gray: #f8fafd;
  --gray: #6b7280;
  --dark-gray: #374151;
  --dark: #0d1117;
  --border: #e2e8f0;
  --shadow: 0 4px 24px rgba(10,36,99,0.10);
  --shadow-md: 0 8px 40px rgba(10,36,99,0.14);
  --shadow-lg: 0 16px 60px rgba(10,36,99,0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-main: 'Inter', sans-serif;
  --font-head: 'Poppins', sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--dark-gray);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select {
  font-family: inherit;
  outline: none;
  border: none;
}

/* ---- Typography ---- */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-head);
  color: var(--primary);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 3vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { line-height: 1.8; color: var(--gray); }

/* ---- Utility Classes ---- */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
.section-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-primary { color: var(--primary) !important; }
.text-accent { color: var(--accent) !important; }
.fw-700 { font-weight: 700; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }

/* ---- Section Header ---- */
.section-header { margin-bottom: 56px; }
.section-header.text-center { text-align: center; }
.section-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--secondary);
  background: rgba(30,136,229,0.09);
  border-radius: 50px;
  padding: 5px 16px;
  margin-bottom: 14px;
}
.section-title {
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  color: var(--primary);
  margin-bottom: 18px;
}
.section-title span { color: var(--secondary); }
.section-desc { font-size: 1.05rem; color: var(--gray); max-width: 640px; }
.section-header.text-center .section-desc { margin: 0 auto; }
.divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--secondary), var(--accent));
  border-radius: 4px;
  margin: 16px 0 0;
}
.divider.center { margin: 16px auto 0; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.3px;
  transition: var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
}
.btn-primary {
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  color: var(--white);
  box-shadow: 0 4px 20px rgba(30,136,229,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(30,136,229,0.45);
  background: linear-gradient(135deg, var(--primary), var(--secondary));
}
.btn-accent {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  box-shadow: 0 4px 20px rgba(46,204,113,0.35);
}
.btn-accent:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(46,204,113,0.45);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--primary);
  border-color: var(--white);
}
.btn-outline-primary {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline-primary:hover {
  background: var(--primary);
  color: var(--white);
}
.btn-lg { padding: 16px 40px; font-size: 1rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
#site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: var(--transition);
  padding: 0;
}
#site-header.transparent { background: transparent; }
#site-header.scrolled {
  background: var(--white);
  box-shadow: 0 2px 24px rgba(10,36,99,0.10);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
}
/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.45rem;
  color: var(--white);
  transition: var(--transition);
}
#site-header.scrolled .nav-logo { color: var(--primary); }
.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--secondary), var(--accent));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: white;
  font-weight: 900;
}
.logo-text span { color: var(--accent); }

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-links a {
  padding: 8px 15px;
  border-radius: 8px;
  font-size: 0.92rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  transition: var(--transition);
}
#site-header.scrolled .nav-links a { color: var(--dark-gray); }
.nav-links a:hover,
.nav-links a.active {
  color: var(--accent);
  background: rgba(46,204,113,0.08);
}
#site-header.scrolled .nav-links a:hover,
#site-header.scrolled .nav-links a.active { color: var(--secondary); background: rgba(30,136,229,0.08); }
.nav-cta {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white) !important;
  padding: 9px 22px !important;
  border-radius: 50px !important;
  font-weight: 600 !important;
  box-shadow: 0 4px 15px rgba(46,204,113,0.3);
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(46,204,113,0.4) !important; background: var(--accent-dark) !important; }

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border-radius: 8px;
  transition: var(--transition);
}
.nav-toggle span {
  width: 26px; height: 2.5px;
  background: var(--white);
  border-radius: 3px;
  transition: var(--transition);
  display: block;
}
#site-header.scrolled .nav-toggle span { background: var(--primary); }
.nav-toggle.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: 0; right: -100%;
    width: min(320px, 88vw);
    height: 100vh;
    background: var(--primary);
    flex-direction: column;
    align-items: flex-start;
    padding: 90px 32px 40px;
    gap: 4px;
    transition: right 0.35s cubic-bezier(0.4,0,0.2,1);
    box-shadow: -4px 0 30px rgba(0,0,0,0.2);
  }
  .nav-links.open { right: 0; }
  .nav-links a { color: rgba(255,255,255,0.85); font-size: 1rem; width: 100%; padding: 12px 16px; border-radius: 10px; }
  .nav-links a:hover, .nav-links a.active { background: rgba(255,255,255,0.1); color: var(--accent); }
  #site-header.scrolled .nav-links a { color: rgba(255,255,255,0.85); }
  .nav-cta { background: linear-gradient(135deg,var(--accent),var(--accent-dark)) !important; }
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, #0A2463 0%, #1a3a7a 40%, #1E3A5F 70%, #0d2b50 100%);
}
.hero-bg-image {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%;
  height: 100%;
  opacity: 0.15;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,36,99,0.92) 0%, rgba(10,36,99,0.75) 60%, rgba(30,136,229,0.4) 100%);
}
.hero-particles {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}
.particle {
  position: absolute;
  border-radius: 50%;
  animation: float-particle 8s ease-in-out infinite;
  opacity: 0.15;
}
.particle:nth-child(1) { width:320px; height:320px; background: var(--secondary); top:-80px; right:-80px; animation-delay:0s; }
.particle:nth-child(2) { width:200px; height:200px; background: var(--accent); bottom:60px; left:10%; animation-delay:2s; }
.particle:nth-child(3) { width:120px; height:120px; background: var(--gold); top:40%; left:5%; animation-delay:4s; }
@keyframes float-particle { 0%,100%{transform:translateY(0) scale(1);} 50%{transform:translateY(-30px) scale(1.05);} }

.hero-content { position: relative; z-index: 2; }
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  min-height: calc(100vh - 80px);
  padding: 120px 0 80px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46,204,113,0.15);
  border: 1px solid rgba(46,204,113,0.3);
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
}
.hero-badge .dot { width:7px; height:7px; background:var(--accent); border-radius:50%; animation: pulse 1.5s ease-in-out infinite; }
@keyframes pulse { 0%,100%{transform:scale(1);opacity:1;} 50%{transform:scale(1.4);opacity:0.6;} }

.hero-title {
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 22px;
  font-weight: 800;
}
.hero-title .highlight {
  background: linear-gradient(90deg, var(--accent), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 36px;
  line-height: 1.8;
}
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-num {
  font-family: var(--font-head);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.stat-num span { color: var(--accent); }
.stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 1px; margin-top: 4px; }
.stat-divider { width: 1px; background: rgba(255,255,255,0.15); }

/* Hero Right - Image Card Stack */
.hero-visual { position: relative; }
.hero-card-stack { position: relative; }
.hero-main-img {
  width: 100%;
  height: 440px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.hero-float-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
  animation: float-card 4s ease-in-out infinite;
}
@keyframes float-card { 0%,100%{transform:translateY(0);} 50%{transform:translateY(-8px);} }
.hero-float-card.card-top { top: -16px; left: -20px; animation-delay: 0.5s; }
.hero-float-card.card-bottom { bottom: 20px; right: -20px; animation-delay: 1s; }
.float-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.float-icon.green { background: rgba(46,204,113,0.12); color: var(--accent); }
.float-icon.blue { background: rgba(30,136,229,0.12); color: var(--secondary); }
.float-label { font-size: 0.75rem; color: var(--gray); }
.float-value { font-size: 1rem; font-weight: 700; color: var(--primary); font-family: var(--font-head); }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; padding: 110px 0 60px; gap: 40px; text-align: center; }
  .hero-buttons { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-visual { display: none; }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--white);
  box-shadow: 0 2px 24px rgba(10,36,99,0.08);
  padding: 28px 0;
  border-top: 3px solid var(--accent);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--dark-gray);
}
.trust-item .icon { font-size: 1.3rem; color: var(--secondary); }

/* ============================================================
   WHY CHOOSE SECTION
   ============================================================ */
.why-section { background: var(--light-gray); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-img-wrap { position: relative; }
.why-img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.why-badge {
  position: absolute;
  bottom: 24px;
  left: -24px;
  background: var(--primary);
  color: var(--white);
  border-radius: var(--radius);
  padding: 20px 24px;
  box-shadow: var(--shadow-md);
  min-width: 170px;
}
.why-badge .badge-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent);
  font-family: var(--font-head);
  line-height: 1;
}
.why-badge .badge-label { font-size: 0.82rem; color: rgba(255,255,255,0.8); margin-top: 4px; }
.features-list { display: flex; flex-direction: column; gap: 20px; margin-top: 32px; }
.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 2px 12px rgba(10,36,99,0.06);
  transition: var(--transition);
  border-left: 4px solid transparent;
}
.feature-item:hover { transform: translateX(6px); border-color: var(--secondary); box-shadow: var(--shadow); }
.feature-icon {
  width: 50px; height: 50px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(30,136,229,0.1), rgba(46,204,113,0.1));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.feature-text h4 { color: var(--primary); margin-bottom: 5px; }
.feature-text p { font-size: 0.88rem; line-height: 1.6; }

@media (max-width: 768px) {
  .why-grid { grid-template-columns: 1fr; }
  .why-img-wrap { display: none; }
}

/* ============================================================
   SERVICES SECTION (Home)
   ============================================================ */
.services-section { background: var(--white); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--secondary), var(--accent));
  transform: scaleX(0);
  transition: var(--transition);
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-card-icon {
  width: 64px; height: 64px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--light), rgba(30,136,229,0.08));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 22px;
  transition: var(--transition);
}
.service-card:hover .service-card-icon { background: linear-gradient(135deg, var(--secondary), var(--primary)); }
.service-card h3 { color: var(--primary); margin-bottom: 12px; font-size: 1.15rem; }
.service-card p { font-size: 0.9rem; color: var(--gray); line-height: 1.7; margin-bottom: 20px; }
.service-link {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--secondary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.service-link:hover { color: var(--primary); gap: 10px; }

@media (max-width: 900px) { .services-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 580px) { .services-grid { grid-template-columns: 1fr; } }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-section {
  background: linear-gradient(135deg, var(--primary) 0%, #1a3a7a 100%);
  position: relative;
  overflow: hidden;
}
.how-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: rgba(30,136,229,0.15);
  border-radius: 50%;
  pointer-events: none;
}
.how-section::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 300px; height: 300px;
  background: rgba(46,204,113,0.1);
  border-radius: 50%;
  pointer-events: none;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
  z-index: 1;
}
.step-card {
  text-align: center;
  padding: 36px 20px;
  position: relative;
}
.step-card::after {
  content: '→';
  position: absolute;
  top: 56px; right: -16px;
  font-size: 1.5rem;
  color: rgba(255,255,255,0.2);
}
.step-card:last-child::after { display: none; }
.step-num {
  width: 68px; height: 68px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 2px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--accent);
  font-family: var(--font-head);
  transition: var(--transition);
}
.step-card:hover .step-num { background: var(--accent); color: var(--white); border-color: var(--accent); }
.step-icon { font-size: 2rem; margin-bottom: 16px; }
.step-card h4 { color: var(--white); margin-bottom: 10px; font-size: 1rem; }
.step-card p { color: rgba(255,255,255,0.65); font-size: 0.88rem; line-height: 1.6; }

@media (max-width: 900px) { .steps-grid { grid-template-columns: repeat(2,1fr); } .step-card::after { display: none; } }
@media (max-width: 580px) { .steps-grid { grid-template-columns: 1fr; } }

/* ============================================================
   CTA / FORM SECTION (Home)
   ============================================================ */
.cta-form-section { background: var(--light-gray); }
.cta-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.cta-text-col .section-label { background: rgba(46,204,113,0.1); color: var(--accent-dark); }
.cta-text-col h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 16px; }
.cta-text-col p { margin-bottom: 28px; }
.benefit-list { display: flex; flex-direction: column; gap: 14px; }
.benefit-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--dark-gray);
  font-weight: 500;
}
.benefit-item .check {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: rgba(46,204,113,0.12);
  color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem;
  flex-shrink: 0;
}

/* ---- Form Styles ---- */
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
  border-top: 4px solid var(--secondary);
}
.form-title {
  font-family: var(--font-head);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 6px;
}
.form-subtitle { font-size: 0.88rem; color: var(--gray); margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--dark-gray);
  margin-bottom: 7px;
}
.form-group label .req { color: var(--secondary); margin-left: 3px; }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.92rem;
  color: var(--dark-gray);
  background: var(--light-gray);
  transition: var(--transition);
}
.form-control:focus {
  border-color: var(--secondary);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(30,136,229,0.1);
}
.form-control.error { border-color: #ef4444; }
.form-control::placeholder { color: #adb5bd; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
textarea.form-control { resize: vertical; min-height: 110px; }
.error-msg { font-size: 0.78rem; color: #ef4444; margin-top: 5px; display: none; }
.error-msg.show { display: block; }

/* Checkbox */
.checkbox-group { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 20px; }
.checkbox-group input[type="checkbox"] {
  width: 18px; height: 18px;
  border: 2px solid var(--border);
  border-radius: 4px;
  cursor: pointer;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--secondary);
}
.checkbox-group label {
  font-size: 0.82rem;
  color: var(--gray);
  line-height: 1.5;
  cursor: pointer;
}
.checkbox-group label a { color: var(--secondary); font-weight: 600; }
.checkbox-group label a:hover { text-decoration: underline; }

.btn-submit {
  width: 100%;
  padding: 15px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  border-radius: 10px;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(10,36,99,0.25);
}
.btn-submit:hover {
  background: linear-gradient(135deg, var(--secondary), var(--accent-dark));
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(10,36,99,0.3);
}

@media (max-width: 900px) {
  .cta-form-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 580px) {
  .contact-form-card { padding: 28px 20px; }
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section { background: var(--white); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: var(--light-gray);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
}
.testimonial-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--secondary); }
.quote-icon { font-size: 2.5rem; color: var(--secondary); opacity: 0.2; line-height: 1; margin-bottom: 16px; font-family: Georgia, serif; }
.testimonial-text { font-size: 0.92rem; line-height: 1.8; color: var(--dark-gray); margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 1rem;
  color: var(--white);
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--primary); }
.author-loc { font-size: 0.78rem; color: var(--gray); }
.stars { color: var(--gold); font-size: 0.85rem; letter-spacing: 2px; margin-bottom: 4px; }

@media (max-width: 900px) { .testimonials-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 580px) { .testimonials-grid { grid-template-columns: 1fr; } }

/* ============================================================
   STATS BANNER
   ============================================================ */
.stats-banner {
  background: linear-gradient(135deg, #0A2463, #1E88E5);
  padding: 60px 0;
}
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stat-box .num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  font-family: var(--font-head);
  line-height: 1;
}
.stat-box .num span { color: var(--accent); }
.stat-box .label { font-size: 0.85rem; color: rgba(255,255,255,0.7); margin-top: 8px; font-weight: 500; }

@media (max-width: 768px) { .stats-row { grid-template-columns: 1fr 1fr; gap: 30px; } }
@media (max-width: 420px) { .stats-row { grid-template-columns: 1fr; } }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, #1a3a7a 100%);
  padding: 150px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--accent); } .breadcrumb a:hover { color: var(--white); }

.about-story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.about-img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.about-text .section-label { margin-bottom: 12px; }
.about-text h2 { margin-bottom: 18px; }
.about-text p { margin-bottom: 16px; font-size: 0.95rem; }

.mv-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 48px;
}
.mv-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--secondary);
  transition: var(--transition);
}
.mv-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.mv-card:nth-child(2) { border-top-color: var(--accent); }
.mv-icon { font-size: 2.2rem; margin-bottom: 16px; }
.mv-card h3 { margin-bottom: 12px; }
.mv-card p { font-size: 0.9rem; }

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.value-card {
  text-align: center;
  padding: 32px 20px;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--secondary); }
.value-icon { font-size: 2.5rem; margin-bottom: 16px; }
.value-card h4 { color: var(--primary); margin-bottom: 10px; }
.value-card p { font-size: 0.88rem; }

@media (max-width: 768px) {
  .about-story-grid { grid-template-columns: 1fr; }
  .mv-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) { .values-grid { grid-template-columns: 1fr; } }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.services-page-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.service-page-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.service-page-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.service-card-img { width: 100%; height: 200px; object-fit: cover; transition: var(--transition); }
.service-page-card:hover .service-card-img { transform: scale(1.04); }
.service-card-body { padding: 28px 24px; }
.service-card-body .tag {
  display: inline-block;
  background: rgba(30,136,229,0.08);
  color: var(--secondary);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 14px;
}
.service-card-body h3 { color: var(--primary); margin-bottom: 12px; font-size: 1.15rem; }
.service-card-body p { font-size: 0.88rem; color: var(--gray); line-height: 1.7; margin-bottom: 20px; }
.service-features-list { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.service-features-list li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.85rem;
  color: var(--dark-gray);
}
.service-features-list li::before {
  content: '✓';
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(46,204,113,0.1);
  color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem;
  flex-shrink: 0;
}

@media (max-width: 900px) { .services-page-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 580px) { .services-page-grid { grid-template-columns: 1fr; } }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 60px;
}
.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.contact-info-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--secondary); }
.contact-info-icon {
  width: 64px; height: 64px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, rgba(30,136,229,0.1), rgba(10,36,99,0.05));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 18px;
}
.contact-info-card h4 { color: var(--primary); margin-bottom: 8px; }
.contact-info-card p, .contact-info-card a { font-size: 0.9rem; color: var(--gray); }
.contact-info-card a:hover { color: var(--secondary); }

.full-contact-form { max-width: 860px; margin: 0 auto; }

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

/* ============================================================
   POLICY PAGES
   ============================================================ */
.policy-content {
  max-width: 860px;
  margin: 0 auto;
}
.policy-section { margin-bottom: 40px; }
.policy-section h2 { color: var(--primary); font-size: 1.3rem; margin-bottom: 14px; padding-bottom: 10px; border-bottom: 2px solid var(--border); }
.policy-section h3 { color: var(--secondary); font-size: 1.05rem; margin: 18px 0 10px; }
.policy-section p { font-size: 0.93rem; line-height: 1.9; margin-bottom: 12px; }
.policy-section ul { padding-left: 20px; margin-bottom: 12px; }
.policy-section ul li { font-size: 0.93rem; line-height: 1.8; color: var(--gray); margin-bottom: 6px; list-style: disc; }
.policy-last-updated {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(30,136,229,0.07);
  color: var(--secondary);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 40px;
}

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  background: var(--dark);
  color: rgba(255,255,255,0.75);
  padding-top: 70px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .nav-logo { color: var(--white); margin-bottom: 16px; font-size: 1.3rem; }
.footer-brand p { font-size: 0.88rem; line-height: 1.8; margin-bottom: 24px; color: rgba(255,255,255,0.55); }
.social-links { display: flex; gap: 10px; }
.social-link {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.07);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  transition: var(--transition);
  color: rgba(255,255,255,0.6);
}
.social-link:hover { background: var(--secondary); color: var(--white); transform: translateY(-2px); }
.footer-col h4 { color: var(--white); font-size: 0.92rem; font-weight: 700; margin-bottom: 20px; letter-spacing: 0.5px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
}
.footer-col ul a:hover { color: var(--accent); padding-left: 6px; }
.footer-contact-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 14px;
}
.footer-contact-item .fi { font-size: 1rem; color: var(--secondary); margin-top: 2px; flex-shrink: 0; }
.footer-contact-item span { font-size: 0.85rem; color: rgba(255,255,255,0.55); line-height: 1.6; }
.footer-contact-item a { color: rgba(255,255,255,0.55); }
.footer-contact-item a:hover { color: var(--accent); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: 0.83rem; color: rgba(255,255,255,0.4); }
.footer-bottom p span { color: var(--accent); font-weight: 600; }
.footer-legal-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal-links a { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
.footer-legal-links a:hover { color: var(--white); }

@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; } }
@media (max-width: 580px) {
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ============================================================
   BACK TO TOP + MISC
   ============================================================ */
#back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 999;
  cursor: pointer;
}
#back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#back-to-top:hover { transform: translateY(-3px); }

/* Toast notification */
.toast {
  position: fixed;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: var(--primary);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 500;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 9999;
  border-left: 4px solid var(--accent);
}
.toast.show { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }

/* AOS-like animations */
[data-aos] { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
[data-aos].aos-animate { opacity: 1; transform: translateY(0); }
[data-aos="fade-left"] { transform: translateX(-30px); }
[data-aos="fade-left"].aos-animate { transform: translateX(0); }
[data-aos="fade-right"] { transform: translateX(30px); }
[data-aos="fade-right"].aos-animate { transform: translateX(0); }
[data-aos="zoom-in"] { transform: scale(0.9); }
[data-aos="zoom-in"].aos-animate { transform: scale(1); }

/* Loading shimmer skeleton */
.img-skeleton {
  background: linear-gradient(90deg, #f0f0f0 25%, #e0e0e0 50%, #f0f0f0 75%);
  background-size: 200% 100%;
  animation: skeleton 1.5s infinite;
}
@keyframes skeleton { 0%{background-position:200% 0;} 100%{background-position:-200% 0;} }