/* ===== CSS VARIABLES ===== */
:root {
  --red: #C8102E;
  --red-dark: #9B0C22;
  --red-light: #E8294A;
  --black: #0A0A0A;
  --black-soft: #1A1A1A;
  --black-mid: #2D2D2D;
  --white: #FFFFFF;
  --white-off: #F8F8F8;
  --gray-light: #F2F2F2;
  --gray-mid: #9A9A9A;
  --gray-dark: #4A4A4A;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
  --shadow-md: 0 8px 24px rgba(0,0,0,0.12);
  --shadow-lg: 0 20px 48px rgba(0,0,0,0.18);
  --shadow-red: 0 8px 24px rgba(200,16,46,0.25);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', 'Segoe UI', sans-serif;
  --container-max: 1200px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--black);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

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

/* ===== GOOGLE FONTS ===== */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=DM+Sans:wght@300;400;500;600;700&display=swap');

/* ===== CONTAINER ===== */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ===== UTILITY ===== */
.section-pad { padding: 5rem 0; }
.section-pad-sm { padding: 3rem 0; }

.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 0.75rem;
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--black);
  line-height: 1.2;
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-dark);
  max-width: 560px;
  line-height: 1.7;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: var(--transition);
  cursor: pointer;
}

.btn-primary {
  background: var(--red);
  color: var(--white);
  box-shadow: var(--shadow-red);
}
.btn-primary:hover {
  background: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(200,16,46,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--red);
  border-color: var(--white);
}

.btn-dark {
  background: var(--black);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--black-mid);
  transform: translateY(-2px);
}

/* ===== HEADER ===== */
#site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(0,0,0,0.08);
  transition: var(--transition);
}

#site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 2rem;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.logo-icon {
  width: 44px;
  height: 44px;
  background: var(--red);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.logo-icon::before {
  content: 'JA';
  color: white;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1rem;
  letter-spacing: -0.05em;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-name {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--black);
}

.logo-tag {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-mid);
}

/* Nav */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.nav-menu a {
  padding: 0.5rem 1rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-dark);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--red);
  background: rgba(200,16,46,0.06);
}

.nav-cta {
  background: var(--red) !important;
  color: var(--white) !important;
  padding: 0.5rem 1.25rem !important;
}

.nav-cta:hover {
  background: var(--red-dark) !important;
}

/* ===== MEGA MENU ===== */
.mega-wrapper {
  position: relative;
}

.mega-trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.5rem 1rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-dark);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  cursor: pointer;
  user-select: none;
}

.mega-trigger:hover,
.mega-wrapper:hover .mega-trigger,
.mega-wrapper.open .mega-trigger {
  color: var(--red);
  background: rgba(200,16,46,0.06);
}

.mega-arrow {
  font-size: 0.7rem;
  transition: transform 0.25s ease;
  display: inline-block;
  line-height: 1;
}

.mega-wrapper:hover .mega-arrow,
.mega-wrapper.open .mega-arrow {
  transform: rotate(180deg);
}

/* The dropdown panel */
.mega-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  width: 720px;
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.09);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 64px rgba(0,0,0,0.14);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0.22s;
  z-index: 1200;
}

.mega-wrapper:hover .mega-menu,
.mega-wrapper.open .mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

/* Invisible bridge so cursor can reach dropdown without closing it */
.mega-menu::before {
  content: '';
  position: absolute;
  top: -14px;
  left: 0;
  right: 0;
  height: 14px;
}

.mega-inner {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
}

/* Left panel */
.mega-left {
  background: var(--black);
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.mega-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--red-light);
  margin-bottom: 0.75rem;
}

.mega-heading {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.25;
  margin-bottom: 0.85rem;
}

.mega-desc {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.mega-view-all {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--red-light);
  transition: var(--transition);
}

.mega-view-all:hover {
  gap: 0.7rem;
  color: var(--white);
}

/* Right panel — service items */
.mega-right {
  padding: 1.25rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  background: var(--white);
}

.mega-item {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
}

.mega-item:hover {
  background: rgba(200,16,46,0.05);
}

.mega-item-icon {
  font-size: 1.45rem;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 2px;
}

.mega-item-title {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 0.2rem;
  transition: var(--transition);
}

.mega-item:hover .mega-item-title {
  color: var(--red);
}

.mega-item-desc {
  font-size: 0.78rem;
  color: var(--gray-mid);
  line-height: 1.4;
}

/* ===== MOBILE SERVICES ACCORDION ===== */
.mobile-services-group {
  border-bottom: 1px solid var(--gray-light);
}

.mobile-services-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 1rem 1.25rem;
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--black);
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  transition: var(--transition);
}

.mobile-services-toggle:hover,
.mobile-services-toggle.open {
  color: var(--red);
  background: rgba(200,16,46,0.04);
}

.mobile-toggle-arrow {
  font-size: 0.85rem;
  transition: transform 0.25s ease;
  display: inline-block;
}

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

.mobile-services-list {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  background: var(--gray-light);
}

.mobile-services-list.open {
  max-height: 400px;
}

.mobile-services-all {
  display: block;
  padding: 0.75rem 1.5rem;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--red) !important;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.mobile-services-list a {
  display: block;
  padding: 0.75rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 400;
  color: var(--gray-dark) !important;
  border-bottom: 1px solid rgba(0,0,0,0.04);
  transition: var(--transition);
}

.mobile-services-list a:hover {
  color: var(--red) !important;
  background: rgba(200,16,46,0.04);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-sm);
  background: none;
  transition: var(--transition);
}

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

.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ===== MOBILE NAV ===== */
.mobile-nav {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 999;
  padding: 2rem 1.5rem;
  flex-direction: column;
  gap: 0.5rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-nav.open {
  transform: translateX(0);
}

.mobile-nav a {
  display: block;
  padding: 1rem 1.25rem;
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--black);
  border-radius: var(--radius-sm);
  border-bottom: 1px solid var(--gray-light);
  transition: var(--transition);
}

.mobile-nav a:hover {
  color: var(--red);
  background: rgba(200,16,46,0.04);
}

.mobile-nav .nav-cta-mobile {
  margin-top: 1rem;
  background: var(--red);
  color: var(--white) !important;
  text-align: center;
  border-radius: var(--radius-sm);
  border-bottom: none;
}

/* ===== PAGE OFFSET ===== */
main { padding-top: 72px; }

/* ===== HERO ===== */
.hero {
  min-height: calc(100vh - 72px);
  background: var(--black);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 80% at 80% 50%, rgba(200,16,46,0.15) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 10% 80%, rgba(200,16,46,0.08) 0%, transparent 50%),
    linear-gradient(135deg, #0A0A0A 0%, #1a0507 50%, #0A0A0A 100%);
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 60px 60px;
}

/* Hero two-column layout — collapses on mobile */
.hero-inner-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 4rem 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(200,16,46,0.15);
  border: 1px solid rgba(200,16,46,0.3);
  color: #FF6B7A;
  padding: 0.4rem 1rem;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 6vw, 4.5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

.hero-title .accent { color: var(--red-light); }

.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,0.65);
  max-width: 500px;
  line-height: 1.7;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}

.hero-stats {
  display: flex;
  gap: 2.5rem;
  flex-wrap: wrap;
}

.hero-stat-item {
  display: flex;
  flex-direction: column;
}

.hero-stat-number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 0.25rem;
}

.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2rem;
  width: 100%;
  max-width: 380px;
}

.hero-card-title {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}

.loan-options {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.loan-option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  padding: 0.9rem 1.1rem;
  transition: var(--transition);
  cursor: pointer;
}

.loan-option:hover {
  background: rgba(200,16,46,0.15);
  border-color: rgba(200,16,46,0.3);
}

.loan-option-name {
  font-size: 0.9rem;
  color: var(--white);
  font-weight: 500;
}

.loan-option-arrow {
  color: var(--red-light);
  font-size: 1.1rem;
}

/* ===== SERVICES GRID ===== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.5rem;
}

.service-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-md);
  padding: 2rem;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--red);
  transform: scaleX(0);
  transition: var(--transition);
}

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

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  width: 52px;
  height: 52px;
  background: rgba(200,16,46,0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  transition: var(--transition);
}

.service-card:hover .service-icon {
  background: var(--red);
}

.service-card-title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 0.6rem;
}

.service-card-desc {
  font-size: 0.9rem;
  color: var(--gray-dark);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.service-card-link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: var(--transition);
}

.service-card:hover .service-card-link {
  gap: 0.6rem;
}

/* ===== WHY CHOOSE US ===== */
.why-section {
  background: var(--black);
  color: var(--white);
}

.why-section .section-title { color: var(--white); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.why-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  text-align: center;
  transition: var(--transition);
}

.why-card:hover {
  background: rgba(200,16,46,0.1);
  border-color: rgba(200,16,46,0.25);
  transform: translateY(-4px);
}

.why-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.why-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.5rem;
}

.why-desc {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
}

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  right: -100px;
  top: -100px;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}

.cta-banner::after {
  content: '';
  position: absolute;
  left: -60px;
  bottom: -80px;
  width: 250px;
  height: 250px;
  background: rgba(0,0,0,0.1);
  border-radius: 50%;
}

.cta-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.cta-text h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.5rem;
}

.cta-text p {
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
}

.cta-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.5rem;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-md);
  padding: 2rem;
  transition: var(--transition);
}

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

.stars {
  color: #F59E0B;
  font-size: 1rem;
  margin-bottom: 1rem;
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 0.95rem;
  color: var(--gray-dark);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--red);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.author-name {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--black);
}

.author-location {
  font-size: 0.8rem;
  color: var(--gray-mid);
}

/* ===== BANKS SECTION ===== */
.banks-section { background: var(--gray-light); }

.banks-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
  gap: 1rem;
  margin-top: 2.5rem;
}

.bank-chip {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  text-align: center;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-dark);
  transition: var(--transition);
}

.bank-chip:hover {
  border-color: var(--red);
  color: var(--red);
  box-shadow: var(--shadow-sm);
}

/* ===== ABOUT PAGE ===== */
.about-hero {
  background: linear-gradient(135deg, var(--black) 0%, #1a0507 100%);
  padding: 5rem 0 4rem;
  color: var(--white);
}

.about-hero .section-title { color: var(--white); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.about-visual {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 3rem 2.5rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.about-visual::before {
  content: 'JA';
  position: absolute;
  right: -20px;
  bottom: -30px;
  font-family: var(--font-heading);
  font-size: 10rem;
  font-weight: 800;
  color: rgba(255,255,255,0.08);
  line-height: 1;
}

.about-visual h3 {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  margin-bottom: 1rem;
}

.about-visual p {
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.about-visual-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 1.5rem;
}

.av-stat {
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 1rem;
  text-align: center;
}

.av-stat-num {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
}

.av-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
}

.mission-vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 3rem;
}

.mv-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-md);
  padding: 2rem;
  border-top: 4px solid var(--red);
}

.mv-card h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 0.75rem;
}

.mv-card p {
  font-size: 0.95rem;
  color: var(--gray-dark);
  line-height: 1.7;
}

/* ===== SERVICES PAGE ===== */
.page-hero {
  background: linear-gradient(135deg, var(--black) 0%, #1a0507 100%);
  padding: 4rem 0 3.5rem;
  color: var(--white);
  text-align: center;
}

.page-hero .section-title { color: var(--white); }

.page-hero .section-subtitle {
  color: rgba(255,255,255,0.7);
  margin: 0 auto;
}

/* Service Detail */
.service-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

.service-detail-main h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--black);
  margin-bottom: 1rem;
}

.service-detail-main p {
  color: var(--gray-dark);
  line-height: 1.8;
  margin-bottom: 1.5rem;
}

.benefits-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin: 1.5rem 0;
}

.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--gray-dark);
}

.benefit-check {
  width: 22px;
  height: 22px;
  background: var(--red);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 0.7rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.service-sidebar {
  position: sticky;
  top: 90px;
}

.sidebar-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-card h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid var(--gray-light);
}

.doc-list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.doc-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9rem;
  color: var(--gray-dark);
}

.doc-icon {
  color: var(--red);
  font-size: 1rem;
  flex-shrink: 0;
}

/* ===== CONTACT PAGE ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 3rem;
}

.contact-info-card {
  background: var(--black);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.contact-info-card::before {
  content: '';
  position: absolute;
  bottom: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: var(--red);
  border-radius: 50%;
  opacity: 0.15;
}

.contact-info-card h3 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.contact-info-card > p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact-detail-icon {
  width: 44px;
  height: 44px;
  background: rgba(200,16,46,0.2);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-detail-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.25rem;
}

.contact-detail-value {
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 500;
}

/* Contact Form */
.contact-form-wrapper {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.contact-form-wrapper h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 0.5rem;
}

.contact-form-wrapper > p {
  color: var(--gray-mid);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 0.5rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid rgba(0,0,0,0.12);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--black);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(200,16,46,0.08);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #DC2626;
}

.error-msg {
  font-size: 0.8rem;
  color: #DC2626;
  margin-top: 0.35rem;
  display: none;
}

.form-group textarea { resize: vertical; min-height: 110px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-success {
  display: none;
  text-align: center;
  padding: 2rem;
  color: #16A34A;
}

.form-success .success-icon { font-size: 3rem; margin-bottom: 1rem; }
.form-success h4 { font-size: 1.2rem; font-weight: 700; margin-bottom: 0.5rem; }
.form-success p { color: var(--gray-dark); font-size: 0.9rem; }

/* Map */
.map-wrapper {
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-top: 3rem;
  height: 350px;
  background: var(--gray-light);
  border: 1px solid rgba(0,0,0,0.08);
}

.map-wrapper iframe {
  width: 100%;
  height: 100%;
  border: none;
}

/* ===== FOOTER ===== */
#site-footer {
  background: var(--black);
  color: rgba(255,255,255,0.75);
}

.footer-main {
  padding: 4rem 0 2.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 3rem;
}

.footer-brand .logo { margin-bottom: 1rem; }
.footer-brand .logo-name,
.footer-brand .logo-tag { color: var(--white); }

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
  color: rgba(255,255,255,0.55);
}

.social-links {
  display: flex;
  gap: 0.75rem;
}

.social-link {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
}

.social-link:hover {
  background: var(--red);
  color: var(--white);
  transform: translateY(-3px);
}

.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1.25rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--red);
  display: inline-block;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

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

.footer-contact-item {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 0.9rem;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  align-items: flex-start;
}

.footer-contact-item .fi-icon {
  color: var(--red-light);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}

.footer-bottom a { color: var(--red-light); }

/* ===== FLOATING BUTTONS ===== */
.floating-btns {
  position: fixed;
  bottom: 2rem;
  right: 1.5rem;
  z-index: 998;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: white;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
  transition: var(--transition);
  text-decoration: none;
}

.float-btn:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 24px rgba(0,0,0,0.3);
}

.float-btn-wa { background: #25D366; }
.float-btn-call { background: var(--red); }

/* ===== PAGE BREADCRUMB ===== */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}

.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ===== ANIMATIONS ===== */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger */
.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }
.stagger-5 { transition-delay: 0.5s; }

/* ===== ACCORDION ===== */
.accordion-item {
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-sm);
  margin-bottom: 0.75rem;
  overflow: hidden;
}

.accordion-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 1.25rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--black);
  transition: var(--transition);
  background: var(--white);
}

.accordion-header:hover { background: var(--gray-light); }
.accordion-header.open { color: var(--red); background: rgba(200,16,46,0.04); }

.accordion-arrow {
  transition: var(--transition);
  font-size: 0.9rem;
  color: var(--gray-mid);
}

.accordion-header.open .accordion-arrow { transform: rotate(180deg); color: var(--red); }

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  font-size: 0.9rem;
  color: var(--gray-dark);
  line-height: 1.7;
}

.accordion-body.open { max-height: 300px; }
.accordion-body-inner { padding: 0 1.25rem 1.25rem; }

/* ===== DIVIDER ===== */
.divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(0,0,0,0.1), transparent);
  margin: 3rem 0;
}

/* ===== BACKGROUND VARIANTS ===== */
.bg-gray { background: var(--gray-light); }
.bg-black { background: var(--black); }
.bg-white { background: var(--white); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .hero-inner-grid { gap: 2.5rem; }
}

@media (max-width: 992px) {
  .about-grid,
  .mission-vision-grid,
  .contact-grid { grid-template-columns: 1fr; }
  .service-detail-grid { grid-template-columns: 1fr; }
  .service-sidebar { position: static; }
  /* Collapse hero to single column, show card below text */
  .hero-inner-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .hero-visual {
    display: flex;
    justify-content: center;
  }
  .hero-card { max-width: 100%; }
  .hero-content { padding: 3rem 0 1rem; }
}

@media (max-width: 768px) {
  .hamburger { display: flex; }
  .mobile-nav { display: flex; }
  .nav-menu { display: none; }
  .section-pad { padding: 3.5rem 0; }
  .hero-stats { gap: 1.5rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .cta-inner { flex-direction: column; text-align: center; }
  .cta-actions { justify-content: center; }
  .form-row { grid-template-columns: 1fr; }
  .mission-vision-grid { grid-template-columns: 1fr; }
  .hero-inner-grid { gap: 1.5rem; }
  .hero-content { padding: 2.5rem 0 0; }
  /* Hide hero card on smaller tablets to avoid crowding */
  .hero-visual { display: none; }
}

/* ===== FORM / SELECT MOBILE FIX ===== */
/* Prevent iOS/Android zoom on focus (font-size must be ≥16px) */
.form-group input,
.form-group select,
.form-group textarea {
  font-size: 1rem; /* 16px — prevents iOS auto-zoom */
}

/* Native select: reset appearance for consistent cross-platform look */
.form-group select {
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%239A9A9A' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  background-size: 1rem;
  padding-right: 2.5rem;
  cursor: pointer;
}

/* Touch targets: make inputs taller on mobile */
@media (max-width: 576px) {
  .form-group input,
  .form-group select {
    padding: 1rem;
    min-height: 52px;
  }
  .form-group label {
    font-size: 0.9rem;
  }
  /* Stack form rows fully on small phones */
  .form-row { grid-template-columns: 1fr; gap: 0; }
}

@media (max-width: 480px) {
  :root { --container-max: 100%; }
  .container { padding: 0 1rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .banks-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom { flex-direction: column; text-align: center; }
  /* Hero tweaks for small phones */
  .hero { min-height: auto; }
  .hero-content { padding: 2rem 0 0; }
  .hero-badge { font-size: 0.7rem; }
  .hero-stats { gap: 1rem; }
  .hero-stat-number { font-size: 1.5rem; }
}

@media (max-width: 375px) {
  .why-grid { grid-template-columns: 1fr; }
  .about-visual-stats { grid-template-columns: 1fr; }
  .hero-stats { flex-wrap: wrap; gap: 0.75rem 1.5rem; }
}

@media (max-width: 320px) {
  .container { padding: 0 0.75rem; }
  .hero-title { font-size: 1.9rem; }
  .btn { padding: 0.75rem 1.25rem; font-size: 0.9rem; }
}

@media (min-width: 1440px) {
  :root { --container-max: 1320px; }
}

@media (min-width: 1920px) {
  :root { --container-max: 1440px; }
  html { font-size: 18px; }
}
.logo-img {
  height: 70px;   /* increase this value (e.g., 80px, 100px) */
  width: auto;
  display: block;
}