/* =========================================================
   WAAKO CREDIT – Home Page Premium Styles
   Light Blue + Blue animated theme
   ========================================================= */

/* ---- HERO ENHANCEMENTS ---- */
.hero {
  min-height: 100vh;
  min-height: 100dvh;
  background-color: var(--blue-dark);
  background: var(--blue-dark);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}

/* ---- HERO SLIDESHOW ---- */
.hero-slideshow {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center center;
  opacity: 0;
  transition: opacity 2s ease-in-out;
}

.hero-slide.active { opacity: 1; }

.hero-slide.s1 { background-image: url('../images/hero-slide-1.jpg'); }
.hero-slide.s2 { background-image: url('../images/hero-slide-2.jpg'); }
.hero-slide.s3 { background-image: url('../images/phone-loan-access.jpeg'); }
.hero-slide.s4 { background-image: url('../images/cta-loan-bg.jpg'); }

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(13,22,84,0.72) 0%,
    rgba(10,42,110,0.62) 55%,
    rgba(21,101,192,0.58) 100%
  );
  z-index: 1;
}

/* slide dots indicator */
.hero-dots {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 10;
}
.hero-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.35);
  transition: all 0.3s ease;
  cursor: pointer;
  border: none;
  padding: 0;
}
.hero-dot.active {
  background: var(--blue-bright);
  width: 24px;
  border-radius: 4px;
}

.hero-badge {
  animation: fadeSlideDown 0.8s ease 0.2s both;
  background-color: rgba(0,174,239,0.15);
  color: var(--blue-bright);
}

.hero-title {
  animation: fadeSlideDown 0.8s ease 0.4s both;
}

.hero-subtitle {
  animation: fadeSlideDown 0.8s ease 0.6s both;
}

.hero-loan-chips {
  animation: fadeSlideDown 0.8s ease 0.8s both;
}

.hero-actions {
  animation: fadeSlideDown 0.8s ease 1s both;
}

.hero-stats-row {
  animation: fadeSlideDown 0.8s ease 1.2s both;
}

@keyframes fadeSlideDown {
  from { opacity: 0; transform: translateY(-20px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-loan-chips span {
  transition: all 0.3s ease;
  cursor: default;
}

.hero-loan-chips span:hover {
  background: rgba(0,174,239,0.25);
  border-color: var(--blue-bright);
  transform: translateY(-2px);
}

/* Logo in navbar */
.navbar-brand .brand-logo-img {
  height: 52px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  transition: transform 0.3s ease;
}

.navbar-brand:hover .brand-logo-img {
  transform: scale(1.03);
}

/* Hero visual redesign */
.hero-visual {
  animation: fadeLeft 1s ease 0.5s both;
}

/* ---- HERO GLASS CARD ---- */
.hero-glass-card {
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 24px;
  padding: 36px 32px;
  max-width: 380px;
  width: 100%;
  box-shadow: 0 24px 64px rgba(0,0,0,0.28), inset 0 1px 0 rgba(255,255,255,0.1);
  position: relative;
}

.hero-glass-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}

.hg-logo {
  height: 52px;
  width: auto;
  max-width: 200px;
  filter: brightness(1.1);
}

.hg-info .hg-title {
  font-size: 1rem;
  font-weight: 700;
  color: white;
  line-height: 1.3;
}

.hg-info .hg-sub {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  margin-top: 3px;
}

.hg-divider {
  height: 1px;
  background: rgba(255,255,255,0.1);
  margin: 18px 0;
}

.hg-stats {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.hg-stat {
  display: flex;
  align-items: center;
  gap: 14px;
}

.hg-stat-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1rem;
  flex-shrink: 0;
}

.hg-stat-text strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 700;
  color: white;
  margin-bottom: 1px;
}

.hg-stat-text span {
  font-size: 0.73rem;
  color: rgba(255,255,255,0.55);
}

.hg-actions {
  display: flex;
  gap: 10px;
  margin-top: 18px;
}

.hg-btn-apply {
  flex: 1;
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  color: white;
  padding: 13px 16px;
  border-radius: 10px;
  font-size: 0.84rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(0,174,239,0.35);
  text-decoration: none;
}

.hg-btn-apply:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,174,239,0.5);
  color: white;
}

.hg-btn-wa {
  width: 46px;
  height: 46px;
  background: #25D366;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.4rem;
  flex-shrink: 0;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(37,211,102,0.35);
  text-decoration: none;
}

.hg-btn-wa:hover {
  background: #1ebe5b;
  transform: translateY(-2px);
}

.hg-trust {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  font-size: 0.73rem;
  color: rgba(255,255,255,0.42);
}

.hg-trust i {
  color: var(--blue-bright);
  font-size: 0.85rem;
}

.hero-image-stack {
  position: relative;
  width: 100%;
  max-width: 480px;
  margin: 0 auto;
}

.hero-person-img {
  width: 100%;
  max-width: 380px;
  margin: 0 auto;
  display: block;
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.3));
  animation: heroPersonFloat 4s ease-in-out infinite;
}

@keyframes heroPersonFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.hero-guarantee-badge {
  position: absolute;
  top: 20px;
  right: -10px;
  width: 110px;
  height: 110px;
  background: linear-gradient(135deg, var(--blue-bright), #0099cc);
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  box-shadow: 0 8px 32px rgba(0,174,239,0.5);
  border: 4px solid rgba(255,255,255,0.3);
}

.hero-guarantee-badge .num { font-size: 1.8rem; line-height: 1; }
.hero-guarantee-badge .txt { font-size: 0.65rem; text-transform: uppercase; letter-spacing: 1px; }

.hero-float-card {
  position: absolute;
  background: white;
  border-radius: 14px;
  padding: 12px 16px;
  box-shadow: 0 10px 32px rgba(13,22,84,0.18);
  display: flex;
  align-items: center;
  gap: 10px;
}

.hero-float-card.card-1 { bottom: 60px; left: -30px; }
.hero-float-card.card-2 { top: 50%; right: -20px; }

.hero-float-card i { font-size: 1.4rem; color: var(--blue-bright); }
.hero-float-card strong { display: block; font-size: 0.82rem; color: var(--blue-dark); }
.hero-float-card small { font-size: 0.7rem; color: var(--text-mid); }

/* ---- MARQUEE ENHANCED ---- */
.marquee-strip {
  background: linear-gradient(90deg, var(--blue-bright), #0099cc, var(--blue-bright));
  background-size: 200% 100%;
  animation: marqueeBg 4s linear infinite;
  position: relative;
}

.marquee-strip::before,
.marquee-strip::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}

.marquee-strip::before { left: 0; background: linear-gradient(90deg, var(--blue-bright), transparent); }
.marquee-strip::after { right: 0; background: linear-gradient(-90deg, var(--blue-bright), transparent); }

@keyframes marqueeBg {
  0% { background-position: 0% 50%; }
  100% { background-position: 200% 50%; }
}

/* ---- VISION MISSION VALUES ---- */
.section-vmv {
  padding: 90px 0;
  background: linear-gradient(180deg, var(--white) 0%, var(--blue-pale) 100%);
  position: relative;
  overflow: hidden;
}

.vmv-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.vmv-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  text-align: center;
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.vmv-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue-dark), var(--blue-bright));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.vmv-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(0,174,239,0.15);
  border-color: var(--blue-bright);
}

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

.vmv-icon {
  width: 72px; height: 72px;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--blue-pale), rgba(0,174,239,0.2));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  color: var(--blue-mid);
  transition: all 0.4s ease;
}

.vmv-card:hover .vmv-icon {
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  color: white;
  transform: rotateY(180deg);
}

.vmv-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 12px;
}

.vmv-card p {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ---- ABOUT PREVIEW ---- */
.section-about-preview {
  padding: 90px 0;
  background: var(--white);
}

.about-preview-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-preview-image {
  position: relative;
}

.about-preview-image img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.about-preview-image::after {
  content: '';
  position: absolute;
  inset: -15px;
  border: 3px solid var(--blue-bright);
  border-radius: var(--radius-lg);
  opacity: 0.3;
  z-index: -1;
  animation: borderPulse 3s ease infinite;
}

@keyframes borderPulse {
  0%, 100% { opacity: 0.3; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(1.02); }
}

.about-exp-badge {
  position: absolute;
  bottom: 30px;
  right: -25px;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: white;
  padding: 24px 28px;
  border-radius: 16px;
  text-align: center;
  box-shadow: 0 12px 40px rgba(13,22,84,0.3);
  animation: floatCard 3s ease-in-out infinite;
}

.about-exp-badge .num {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--blue-bright);
  display: block;
  line-height: 1;
}

.about-exp-badge .label {
  font-size: 0.78rem;
  opacity: 0.9;
  margin-top: 4px;
}

.about-preview-content .section-label { margin-bottom: 12px; }
.about-preview-content .section-title { text-align: left; margin-bottom: 20px; }
.about-preview-content p { color: var(--text-mid); margin-bottom: 16px; line-height: 1.8; font-size: 0.95rem; }

.about-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 28px 0;
}

.about-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  background: var(--blue-pale);
  border-radius: 10px;
  transition: all 0.3s ease;
}

.about-feature:hover {
  background: linear-gradient(135deg, var(--blue-pale), rgba(0,174,239,0.15));
  transform: translateX(5px);
}

.about-feature i {
  color: var(--blue-bright);
  font-size: 1.1rem;
  width: 24px;
}

.about-feature span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue-dark);
}

/* ---- SERVICES WITH IMAGES ---- */
.services-preview {
  padding: 90px 0;
  background: linear-gradient(180deg, var(--off-white) 0%, var(--blue-pale) 50%, var(--off-white) 100%);
}

.services-showcase-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.service-showcase-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
}

.service-showcase-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 24px 60px rgba(0,174,239,0.2);
  border-color: var(--blue-bright);
}

.service-showcase-img {
  height: 180px;
  overflow: hidden;
  position: relative;
}

.service-showcase-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.service-showcase-card:hover .service-showcase-img img {
  transform: scale(1.1);
}

.service-showcase-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(13,22,84,0.7), transparent);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.service-showcase-card:hover .service-showcase-img::after {
  opacity: 1;
}

.service-showcase-body {
  padding: 24px 20px;
}

.service-showcase-body h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 8px;
}

.service-showcase-body p {
  font-size: 0.82rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 16px;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.service-showcase-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--blue-bright);
  transition: gap 0.2s ease;
}

.service-showcase-card:hover .service-showcase-link {
  gap: 10px;
}

.service-showcase-icon {
  position: absolute;
  top: 12px;
  right: 12px;
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.95);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-bright);
  font-size: 1rem;
  z-index: 2;
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

/* ---- WHY CHOOSE US HOME ---- */
.section-why-home {
  padding: 90px 0;
  background: var(--blue-dark);
  position: relative;
  overflow: hidden;
}

.section-why-home::before {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(0,174,239,0.15) 0%, transparent 70%);
  pointer-events: none;
}

.why-home-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 60px;
}

.why-home-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(0,174,239,0.25);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all 0.4s ease;
  backdrop-filter: blur(10px);
}

.why-home-card:hover {
  background: rgba(0,174,239,0.12);
  border-color: var(--blue-bright);
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,174,239,0.2);
}

.why-home-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: white;
  margin-bottom: 20px;
  box-shadow: 0 8px 24px rgba(0,174,239,0.35);
}

.why-home-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: white;
  margin-bottom: 10px;
}

.why-home-card p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
}

.why-progress-home {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(0,174,239,0.2);
  border-radius: var(--radius-lg);
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.why-progress-home h3 {
  font-size: 1.6rem;
  font-weight: 700;
  color: white;
  margin-bottom: 8px;
}

.why-progress-home > div:first-child p {
  color: rgba(255,255,255,0.75);
  font-size: 0.92rem;
}

/* ---- PROCESS ---- */
.section-process-home {
  padding: 90px 0;
  background: var(--white);
}

.process-home-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.process-home-grid::before {
  content: '';
  position: absolute;
  top: 50px;
  left: 12%;
  right: 12%;
  height: 3px;
  background: linear-gradient(90deg, var(--blue-bright), var(--blue-mid), var(--blue-bright));
  z-index: 0;
}

.process-home-step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.process-home-num {
  width: 70px; height: 70px;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  color: white;
  box-shadow: 0 8px 28px rgba(0,174,239,0.4);
  transition: all 0.3s ease;
}

.process-home-step:hover .process-home-num {
  transform: scale(1.1) rotate(5deg);
}

.process-home-step h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 8px;
}

.process-home-step p {
  font-size: 0.82rem;
  color: var(--text-mid);
  line-height: 1.6;
}

/* ---- TESTIMONIALS HOME ---- */
.section-testimonials-home {
  padding: 90px 0;
  background: linear-gradient(180deg, var(--blue-pale) 0%, var(--white) 100%);
}

.testimonials-home-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-home-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--border);
  position: relative;
  transition: all 0.4s ease;
}

.testimonial-home-card::before {
  content: '\201C';
  position: absolute;
  top: 16px; right: 24px;
  font-size: 4rem;
  font-family: Georgia, serif;
  color: rgba(0,174,239,0.15);
  line-height: 1;
}

.testimonial-home-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(0,174,239,0.15);
  border-color: var(--blue-bright);
}

.testimonial-home-card.featured {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  border-color: transparent;
  color: white;
}

.testimonial-home-card.featured::before {
  color: rgba(255,255,255,0.1);
}

.testimonial-home-card.featured .testimonial-text {
  color: rgba(255,255,255,0.9);
}

.testimonial-home-card.featured .author-info strong {
  color: white;
}

.testimonial-home-card.featured .author-info span {
  color: rgba(255,255,255,0.7);
}

.testimonial-home-card.featured .author-avatar {
  background: var(--blue-bright);
}

.testimonial-stars-home {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}

.testimonial-stars-home i {
  color: #F59E0B;
  font-size: 0.9rem;
}

/* ---- LOAN APPLICATION SECTION ---- */
.section-apply-home {
  padding: 90px 0;
  background: var(--off-white);
}

.apply-home-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 56px;
  align-items: start;
}

.apply-home-info h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: var(--blue-dark);
  margin-bottom: 16px;
}

.apply-home-info p {
  color: var(--text-mid);
  margin-bottom: 28px;
  line-height: 1.8;
}

.apply-contact-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.apply-contact-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--border);
  transition: all 0.3s ease;
}

.apply-contact-card:hover {
  border-color: var(--blue-bright);
  box-shadow: var(--shadow-sm);
  transform: translateX(5px);
}

.apply-contact-card i {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.1rem;
}

.apply-contact-card strong {
  display: block;
  font-size: 0.82rem;
  color: var(--blue-dark);
  margin-bottom: 2px;
}

.apply-contact-card a, .apply-contact-card span {
  font-size: 0.92rem;
  color: var(--text-mid);
}

.apply-form-home {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}

.apply-form-home::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--blue-dark), var(--blue-bright), var(--blue-mid));
}

.apply-form-home h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 6px;
}

.apply-form-home .form-sub {
  font-size: 0.85rem;
  color: var(--text-mid);
  margin-bottom: 24px;
}

.quick-reply-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,174,239,0.1);
  border: 1px solid rgba(0,174,239,0.3);
  color: var(--blue-bright);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  margin-bottom: 20px;
}

.quick-reply-badge i {
  animation: pulse 1.5s ease infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.5; }
}

/* ---- CTA ENHANCED ---- */
.cta-banner {
  background: linear-gradient(135deg, #0D1654 0%, #1565C0 50%, #0D1654 100%);
  background-size: 200% 200%;
  animation: heroGradient 8s ease infinite;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 0;
  background: url('../images/cta-loan-bg.jpg?v=20260724d') center center / cover no-repeat;
}

.cta-banner::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 0;
  background: linear-gradient(
    135deg,
    rgba(13, 22, 84, 0.70) 0%,
    rgba(10, 42, 110, 0.58) 45%,
    rgba(21, 101, 192, 0.52) 100%
  );
}

.cta-shimmer {
  position: absolute;
  top: 0; left: -100%;
  z-index: 1;
  width: 50%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.08), transparent);
  animation: shimmer 3s ease infinite;
}

@keyframes shimmer {
  0% { left: -100%; }
  100% { left: 200%; }
}

/* ---- STATS ENHANCED ---- */
.stats-strip {
  position: relative;
  overflow: hidden;
}

.stats-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent, rgba(0,174,239,0.08), transparent);
  animation: shimmer 4s ease infinite;
}

.stat-card {
  transition: transform 0.3s ease;
}

.stat-card:hover {
  transform: scale(1.05);
}

/* ---- SCROLL REVEAL ---- */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

.reveal-left {
  opacity: 0;
  transform: translateX(-40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal-left.revealed {
  opacity: 1;
  transform: translateX(0);
}

.reveal-right {
  opacity: 0;
  transform: translateX(40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal-right.revealed {
  opacity: 1;
  transform: translateX(0);
}

/* ---- 24/7 BADGE ---- */
.availability-strip {
  background: linear-gradient(90deg, var(--blue-dark), var(--blue-mid));
  padding: 16px 0;
  text-align: center;
}

.availability-strip p {
  color: white;
  font-size: 0.9rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}

.availability-strip i {
  color: var(--blue-bright);
  animation: pulse 2s ease infinite;
}

/* ---- RESPONSIVE HOME ---- */
@media (max-width: 1024px) {
  .services-showcase-grid { grid-template-columns: repeat(2, 1fr); }
  .process-home-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .process-home-grid::before { display: none; }
  .vmv-grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .why-home-grid { grid-template-columns: 1fr; }
  .why-progress-home { grid-template-columns: 1fr; }
  .testimonials-home-grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .apply-home-grid { grid-template-columns: 1fr; }
  .about-preview-grid { grid-template-columns: 1fr; }
  .about-preview-image img { height: 360px; }
  .about-exp-badge { right: 10px; }
}

@media (max-width: 768px) {
  .hero {
    min-height: auto !important;
    padding: 48px 0 40px !important;
  }
  .hero-visual { display: none !important; }
  .hero-person-img { max-width: 280px; }
  .hero-guarantee-badge { width: 90px; height: 90px; right: 0; }
  .hero-guarantee-badge .num { font-size: 1.4rem; }
  .hero-float-card.card-1 { left: 0; bottom: 20px; }
  .hero-float-card.card-2 { display: none; }
  .hero-glass-card { max-width: 100%; padding: 28px 22px; }
  .hg-logo { height: 44px; }
  .services-showcase-grid { grid-template-columns: 1fr; }
  .about-features { grid-template-columns: 1fr; }
  .about-preview-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-preview-image img { height: auto; max-height: 320px; object-fit: cover; }
  .process-home-grid { grid-template-columns: 1fr; max-width: 320px; margin: 0 auto; }
  .why-home-grid { grid-template-columns: 1fr; }
  .why-progress-home { grid-template-columns: 1fr; gap: 28px; }
  .section-about-preview { padding: 64px 0; }
  .section-why-home { padding: 64px 0; }
  .section-process-home { padding: 64px 0; }
  .cta-banner { padding: 48px 0; }
  .cta-banner h2 { font-size: clamp(1.5rem, 6vw, 2rem); }
  .hero-dots { bottom: 16px; }
  .marquee-strip::before,
  .marquee-strip::after { width: 40px; }
}

@media (max-width: 480px) {
  .about-preview-content .btn { width: 100%; justify-content: center; }
  .about-preview-content div[style*="display:flex"] { flex-direction: column; }
  .why-progress-home .btn { width: 100%; justify-content: center; }
  .why-progress-home div[style*="display:flex"] { flex-direction: column; }
}