/* =========================================================
   WAAKO CREDIT – Official Stylesheet
   Brand Colors: Deep Navy Blue (#0D1654) + Sky Blue (#00AEEF) + White
   ========================================================= */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue-dark:   #0D1654;
  --blue-mid:    #1565C0;
  --blue-bright: #00AEEF;
  --blue-pale:   #E8F4FD;
  --white:       #FFFFFF;
  --off-white:   #F5F8FF;
  --text:        #1A1A2E;
  --text-mid:    #4A5568;
  --text-light:  #718096;
  --border:      #DBEAFE;
  --shadow-sm:   0 2px 12px rgba(13,22,84,0.08);
  --shadow-md:   0 8px 32px rgba(13,22,84,0.14);
  --shadow-lg:   0 20px 60px rgba(13,22,84,0.20);
  --radius:      12px;
  --radius-lg:   20px;
  --transition:  0.3s ease;
  color-scheme: light;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  color-scheme: light only;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text);
  background-color: var(--white);
  overflow-x: hidden;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: inherit; background-color: var(--white); color: var(--text); }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

.section-label { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; color: var(--blue-bright); background: rgba(0,174,239,0.1); border: 1px solid rgba(0,174,239,0.3); padding: 6px 16px; border-radius: 50px; margin-bottom: 16px; }
.section-title { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 700; line-height: 1.25; color: var(--blue-dark); margin-bottom: 16px; }
.blue-text { color: var(--blue-bright); }
.section-desc { font-size: 1rem; color: var(--text-mid); max-width: 580px; }
.section-header { text-align: center; margin-bottom: 56px; }
.section-header .section-desc { margin: 0 auto; }
.section-header.light .section-label { color: var(--blue-bright); background: rgba(0,174,239,0.15); border-color: rgba(0,174,239,0.4); }
.section-header.light .section-title { color: var(--white); }
.section-header.light .section-desc { color: rgba(255,255,255,0.85); }
/* SECTION */
.section { padding: 90px 0; }
.section-light { background: var(--off-white); }
.section-blue-pale { background: linear-gradient(180deg, var(--white) 0%, var(--blue-pale) 50%, var(--white) 100%); }
.section-careers { background: var(--off-white); }
.section-contact { background: var(--off-white); }

.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 28px; border-radius: 8px; font-weight: 600; font-size: 0.9rem; letter-spacing: 0.4px; transition: var(--transition); cursor: pointer; border: 2px solid transparent; }
.btn-blue { background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid)); color: var(--white); box-shadow: 0 4px 20px rgba(0,174,239,0.35); }
.btn-blue:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,174,239,0.45); }
.btn-dark { background: var(--blue-dark); color: var(--white); box-shadow: 0 4px 16px rgba(13,22,84,0.3); }
.btn-dark:hover { background: #1a2370; transform: translateY(-2px); }
.btn-outline { border: 2px solid var(--blue-bright); color: var(--blue-bright); background: transparent; }
.btn-outline:hover { background: var(--blue-bright); color: var(--white); }
.btn-outline-white { border: 2px solid rgba(255,255,255,0.6); color: var(--white); background: transparent; }
.btn-outline-white:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }
.btn-whatsapp { background: #25D366; color: var(--white); }
.btn-whatsapp:hover { background: #1ebe5b; transform: translateY(-2px); }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 9px 20px; font-size: 0.82rem; }
.btn-block { width: 100%; justify-content: center; }

/* ANNOUNCEMENT BAR */
.announcement-bar {
  background-color: var(--blue-dark);
  background: var(--blue-dark);
  color: var(--white);
  padding: 10px 0;
  font-size: 0.82rem;
  text-align: center;
  position: relative;
}
.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding-right: 36px;
  padding-left: 12px;
  line-height: 1.45;
}
.announcement-inner > span {
  flex: 1;
  min-width: 0;
}
.announcement-bar a { color: var(--blue-bright); font-weight: 600; margin-left: 8px; white-space: nowrap; }
.announcement-close {
  color: rgba(255,255,255,0.6);
  font-size: 1.2rem;
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  transition: color 0.2s;
  flex-shrink: 0;
}
.announcement-close:hover { color: var(--white); }

/* TOPBAR */
.topbar {
  background-color: var(--blue-dark);
  background: var(--blue-dark);
  border-bottom: 1px solid rgba(0,174,239,0.2);
  padding: 8px 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.8);
}
.topbar-inner { display: flex; align-items: center; gap: 16px; }
.topbar-left { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; flex: 1; width: 100%; min-width: 0; }
.topbar-end {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: nowrap;
  margin-left: auto;
}
.topbar-left a, .topbar-end a { color: rgba(255,255,255,0.8); transition: color 0.2s; display: flex; align-items: center; gap: 6px; white-space: nowrap; }
.topbar-left a:hover, .topbar-end a:hover { color: var(--blue-bright); }
.topbar-divider { color: rgba(255,255,255,0.3); flex-shrink: 0; }
.topbar-social { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.topbar-social a { width: 24px; height: 24px; background: rgba(255,255,255,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.68rem; color: rgba(255,255,255,0.85); }
.topbar-social a:hover { background: var(--blue-bright); color: var(--white); }
.topbar-main-branch { white-space: nowrap; flex-shrink: 0; }
.topbar-main-branch strong { color: var(--blue-bright); font-weight: 700; }
.topbar-end .topbar-whatsapp { font-size: 0.78rem; }

/* NAVBAR */
.navbar {
  background-color: var(--white);
  background: var(--white);
  box-shadow: 0 2px 20px rgba(13,22,84,0.1);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: box-shadow 0.3s;
}
.navbar.scrolled { box-shadow: 0 4px 30px rgba(13,22,84,0.18); }
.navbar-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; gap: 20px; }
.navbar-brand { display: flex; align-items: center; gap: 12px; }
.brand-logo-img { height: 48px; width: auto; max-width: 220px; object-fit: contain; transition: transform 0.3s ease; display: block; }
.navbar-brand:hover .brand-logo-img { transform: scale(1.03); }
.footer-logo-img { height: 52px; width: auto; max-width: 240px; object-fit: contain; margin-bottom: 14px; display: block; filter: brightness(1.15); }
.brand-icon { width: 44px; height: 44px; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1rem; color: var(--white); letter-spacing: 1px; }
.brand-name { font-size: 1.1rem; font-weight: 800; color: var(--blue-dark); letter-spacing: 0.5px; }
.brand-name .brand-c { color: var(--blue-bright); }
.brand-tag { font-size: 0.68rem; font-weight: 600; color: var(--text-light); letter-spacing: 2px; text-transform: uppercase; margin-left: 2px; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.mobile-menu-header,
.mobile-menu-cta { display: none; }
.mobile-menu-panel { display: contents; }
.mobile-menu-list {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-link { padding: 8px 14px; border-radius: 8px; font-size: 0.88rem; font-weight: 600; color: var(--text-mid); transition: var(--transition); display: flex; align-items: center; gap: 5px; }
.nav-link:hover, .nav-link.active { color: var(--blue-dark); background: var(--blue-pale); }
.nav-dropdown { position: relative; }
.dropdown-menu { position: absolute; top: calc(100% + 8px); left: 0; background: var(--white); border: 1px solid var(--border); border-radius: 12px; box-shadow: var(--shadow-md); padding: 8px; min-width: 220px; opacity: 0; visibility: hidden; transform: translateY(-10px); transition: var(--transition); z-index: 100; }
.nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu li a { display: flex; align-items: center; gap: 10px; padding: 9px 14px; border-radius: 8px; font-size: 0.85rem; font-weight: 500; color: var(--text); transition: var(--transition); }
.dropdown-menu li a i { color: var(--blue-bright); width: 18px; }
.dropdown-menu li a:hover { background: var(--blue-pale); color: var(--blue-dark); }
.nav-cta { margin-left: 12px; }
.navbar-mobile-actions {
  display: none;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.nav-phone-mobile {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--blue-pale);
  border: 1px solid rgba(0,174,239,0.22);
  color: var(--blue-dark);
  font-size: 1rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.nav-phone-mobile:hover,
.nav-phone-mobile:active {
  background: var(--blue-bright);
  border-color: var(--blue-bright);
  color: var(--white);
}
.hamburger {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  border: 1px solid rgba(13,22,84,0.12);
  background-color: var(--white);
  padding: 0;
  flex-shrink: 0;
  transition: background 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
  box-shadow: 0 2px 8px rgba(13,22,84,0.06);
  position: relative;
  z-index: 1001;
}
.hamburger:hover { border-color: rgba(0,174,239,0.35); box-shadow: 0 4px 12px rgba(0,174,239,0.12); }
.hamburger-inner {
  display: block;
  width: 20px;
  height: 14px;
  position: relative;
}
.hamburger-inner > span {
  display: block;
  width: 20px;
  height: 2px;
  background-color: var(--blue-dark);
  border-radius: 2px;
  position: absolute;
  left: 0;
  transition: transform 0.32s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.2s ease, background-color 0.25s ease, width 0.25s ease;
}
.hamburger-inner > span:nth-child(1) { top: 0; }
.hamburger-inner > span:nth-child(2) { top: 6px; }
.hamburger-inner > span:nth-child(3) { top: 12px; }
.hamburger.active {
  background-color: var(--blue-dark);
  border-color: var(--blue-dark);
  box-shadow: 0 4px 16px rgba(13,22,84,0.25);
}
.hamburger.active .hamburger-inner > span { background-color: var(--white); width: 20px; }
.hamburger.active .hamburger-inner > span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.hamburger.active .hamburger-inner > span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active .hamburger-inner > span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* PAGE HERO */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, #0a2a6e 50%, var(--blue-mid) 100%);
  padding: 70px 0 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 50%, rgba(0,174,239,0.15) 0%, transparent 55%),
    radial-gradient(circle at 80% 50%, rgba(0,174,239,0.1) 0%, transparent 55%);
  pointer-events: none;
}
.page-hero-contact {
  background: linear-gradient(135deg, rgba(13,22,84,0.92) 0%, rgba(10,42,110,0.88) 50%, rgba(21,101,192,0.85) 100%),
    url('../images/phone-loan-access.jpeg') center center / cover no-repeat;
}
.page-hero-contact::before {
  background: linear-gradient(135deg, rgba(13,22,84,0.88) 0%, rgba(10,42,110,0.82) 55%, rgba(21,101,192,0.78) 100%);
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 4vw, 3rem); color: var(--white); font-weight: 700; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.85); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; margin-bottom: 16px; font-size: 0.82rem; }
.breadcrumb a { color: var(--blue-bright); }
.breadcrumb span { color: rgba(255,255,255,0.4); }
.breadcrumb .current { color: rgba(255,255,255,0.8); }

/* HOME HERO */
.hero { background: linear-gradient(135deg, var(--blue-dark) 0%, #0f2d6e 60%, var(--blue-mid) 100%); min-height: 88vh; display: flex; align-items: center; padding: 80px 0 60px; position: relative; overflow: hidden; }
.hero-accent-bar { position: absolute; bottom: 0; left: 0; right: 0; height: 6px; background: linear-gradient(90deg, var(--blue-bright), #00d2ff, var(--blue-bright)); z-index: 10; }
.hero-content { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 10; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(0,174,239,0.15); border: 1px solid rgba(0,174,239,0.4); color: var(--blue-bright); padding: 8px 18px; border-radius: 50px; font-size: 0.82rem; font-weight: 600; margin-bottom: 24px; }
.hero-title { font-family: 'Playfair Display', serif; font-size: clamp(2.2rem, 4.5vw, 3.6rem); font-weight: 700; color: var(--white); line-height: 1.2; margin-bottom: 20px; }
.hero-title .highlight { color: var(--blue-bright); }
.hero-subtitle { font-size: 1.05rem; color: rgba(255,255,255,0.85); margin-bottom: 28px; max-width: 500px; line-height: 1.7; }
.hero-loan-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }
.hero-loan-chips span { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); color: var(--white); padding: 5px 14px; border-radius: 50px; font-size: 0.78rem; font-weight: 600; }
.hero-loan-chips span i { color: var(--blue-bright); margin-right: 4px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 40px; }
.hero-stats-row { display: flex; gap: 32px; flex-wrap: wrap; }
.hero-stat-item { text-align: left; }
.hero-stat-num { font-size: 1.8rem; font-weight: 800; color: var(--white); line-height: 1; }
.hero-stat-num span { color: var(--blue-bright); }
.hero-stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.7); font-weight: 500; margin-top: 2px; }
.hero-stat-divider { width: 1px; background: rgba(255,255,255,0.2); }
.hero-visual { display: flex; justify-content: center; align-items: center; }
.hero-card-wrap { position: relative; }
.hero-main-card { background: rgba(255,255,255,0.08); backdrop-filter: blur(20px); border: 1px solid rgba(255,255,255,0.15); border-radius: 24px; padding: 36px 30px; max-width: 320px; width: 100%; }
.hero-card-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 24px; }
.hero-card-logo-icon { width: 44px; height: 44px; background: linear-gradient(135deg, var(--blue-bright), #005f8f); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1rem; font-weight: 800; color: var(--white); }
.hero-card-logo-text { color: var(--white); font-weight: 700; font-size: 0.95rem; }
.hero-card-logo-text small { display: block; color: rgba(255,255,255,0.6); font-size: 0.7rem; font-weight: 400; }
.hero-card-title { font-size: 0.75rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 2px; margin-bottom: 6px; font-weight: 600; }
.hero-amount { font-size: 2rem; font-weight: 800; color: var(--white); margin-bottom: 4px; }
.hero-amount-sub { font-size: 0.78rem; color: rgba(255,255,255,0.6); margin-bottom: 22px; }
.hero-progress-label { display: flex; justify-content: space-between; font-size: 0.75rem; color: rgba(255,255,255,0.7); margin-bottom: 6px; }
.hero-progress-bar { height: 8px; background: rgba(255,255,255,0.15); border-radius: 10px; overflow: hidden; margin-bottom: 22px; }
.hero-progress-fill { height: 100%; width: 65%; background: linear-gradient(90deg, var(--blue-bright), #00d2ff); border-radius: 10px; }
.hero-card-tags { display: flex; gap: 8px; flex-wrap: wrap; }
.hero-card-tags span { font-size: 0.72rem; padding: 4px 10px; border-radius: 50px; background: rgba(0,174,239,0.2); border: 1px solid rgba(0,174,239,0.3); color: var(--blue-bright); font-weight: 600; }
.hero-float-1 { position: absolute; top: -20px; right: -20px; background: var(--white); border-radius: 14px; padding: 12px 16px; box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 10px; min-width: 170px; }
.hero-float-1 i { color: #25D366; font-size: 1.4rem; }
.hero-float-1 strong { display: block; font-size: 0.82rem; color: var(--blue-dark); }
.hero-float-1 small { font-size: 0.72rem; color: var(--text-mid); }
.hero-float-2 { position: absolute; bottom: -20px; left: -20px; background: var(--blue-dark); border-radius: 14px; padding: 12px 16px; box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 10px; }
.hero-float-2 .badge-circle { width: 36px; height: 36px; background: var(--blue-bright); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.72rem; font-weight: 800; color: var(--white); }
.hero-float-2 strong { display: block; font-size: 0.82rem; color: var(--white); }
.hero-float-2 small { font-size: 0.72rem; color: rgba(255,255,255,0.6); }

/* MARQUEE */
.marquee-strip { background: var(--blue-bright); padding: 12px 0; overflow: hidden; }
.marquee-track { display: flex; gap: 48px; animation: marquee 30s linear infinite; white-space: nowrap; }
.marquee-track span { color: var(--white); font-size: 0.82rem; font-weight: 600; display: flex; align-items: center; gap: 8px; }
.marquee-track span i { color: rgba(255,255,255,0.8); }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* SERVICES PREVIEW */
.services-preview { padding: 80px 0; background: var(--off-white); }
.services-quick-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.service-quick-card { background: var(--white); border-radius: var(--radius); padding: 28px 24px; border: 1px solid var(--border); transition: var(--transition); display: flex; flex-direction: column; gap: 12px; }
.service-quick-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--blue-bright); }
.service-quick-icon { width: 54px; height: 54px; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.3rem; color: var(--white); }
.service-quick-card h3 { font-size: 1rem; font-weight: 700; color: var(--blue-dark); }
.service-quick-card p { font-size: 0.85rem; color: var(--text-mid); line-height: 1.6; flex: 1; }
.service-quick-link { font-size: 0.82rem; font-weight: 600; color: var(--blue-bright); display: flex; align-items: center; gap: 5px; transition: gap 0.2s; }
.service-quick-card:hover .service-quick-link { gap: 8px; }

/* STATS STRIP */
.stats-strip { background-color: var(--blue-dark); background: var(--blue-dark); padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat-card { text-align: center; padding: 24px 16px; border-right: 1px solid rgba(0,174,239,0.2); }
.stat-card:last-child { border-right: none; }
.stat-icon { font-size: 1.8rem; color: var(--blue-bright); margin-bottom: 12px; }
.stat-number { font-size: 2.4rem; font-weight: 800; color: var(--white); line-height: 1; }
.stat-suffix { font-size: 1.4rem; color: var(--blue-bright); font-weight: 700; }
.stat-card p { font-size: 0.82rem; color: rgba(255,255,255,0.65); margin-top: 6px; font-weight: 500; }

/* SERVICES PAGE */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.service-card { background: var(--white); border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); transition: var(--transition); position: relative; }
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.service-card.featured { border-color: var(--blue-bright); }
.service-badge { background: var(--blue-bright); color: var(--white); font-size: 0.72rem; font-weight: 700; letter-spacing: 1px; padding: 5px 14px; position: absolute; top: 16px; right: 16px; border-radius: 50px; text-transform: uppercase; }
.service-card-inner { padding: 32px; }
.service-icon-wrap { width: 60px; height: 60px; background: var(--blue-pale); border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--blue-mid); margin-bottom: 20px; }
.service-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 10px; }
.service-card p { font-size: 0.88rem; color: var(--text-mid); margin-bottom: 18px; line-height: 1.6; }
.service-meta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 20px; }
.service-meta span { font-size: 0.78rem; color: var(--text-light); display: flex; align-items: center; gap: 5px; }
.service-meta span i { color: var(--blue-bright); }
.service-link { font-size: 0.85rem; font-weight: 700; color: var(--blue-bright); display: flex; align-items: center; gap: 6px; transition: gap 0.2s; }
.service-link:hover { gap: 10px; }
.service-card-bg { height: 5px; background: linear-gradient(90deg, var(--blue-dark), var(--blue-bright)); }
.services-cta { margin-top: 56px; }
.services-cta-inner { background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: var(--radius-lg); padding: 40px 48px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.services-cta-inner h3 { font-size: 1.2rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.services-cta-inner p { color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.services-cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* HOW IT WORKS */
.section-process { background: var(--blue-dark); color: var(--white); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; position: relative; }
.process-card { text-align: center; padding: 40px 28px; background: rgba(255,255,255,0.05); border: 1px solid rgba(0,174,239,0.2); border-radius: var(--radius-lg); position: relative; }
.process-num { font-size: 3rem; font-weight: 800; color: rgba(0,174,239,0.15); line-height: 1; margin-bottom: 12px; font-family: 'Playfair Display', serif; }
.process-icon { width: 64px; height: 64px; background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid)); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--white); margin: 0 auto 20px; box-shadow: 0 8px 24px rgba(0,174,239,0.4); }
.process-card h3 { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.process-card p { font-size: 0.85rem; color: rgba(255,255,255,0.7); line-height: 1.6; }
.process-arrow { position: absolute; right: -20px; top: 50%; transform: translateY(-50%); font-size: 1.2rem; color: var(--blue-bright); z-index: 1; }
.process-cta { text-align: center; margin-top: 48px; }

/* WHY CHOOSE US */
.section-why { background: var(--blue-dark); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 60px; }
.why-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(0,174,239,0.2); border-radius: var(--radius); padding: 32px 28px; transition: var(--transition); }
.why-card:hover { background: rgba(0,174,239,0.1); border-color: var(--blue-bright); transform: translateY(-4px); }
.why-icon { font-size: 1.6rem; color: var(--blue-bright); margin-bottom: 16px; }
.why-card h3 { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.why-card p { font-size: 0.85rem; color: rgba(255,255,255,0.7); line-height: 1.6; }
.why-progress-section { background: rgba(255,255,255,0.05); 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-header h3 { font-size: 1.5rem; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.why-progress-header p { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.progress-item { margin-bottom: 20px; }
.progress-label { display: flex; justify-content: space-between; margin-bottom: 6px; font-size: 0.85rem; }
.progress-label span:first-child { color: rgba(255,255,255,0.8); }
.progress-pct { color: var(--blue-bright); font-weight: 700; }
.progress-bar-wrap { height: 8px; background: rgba(255,255,255,0.1); border-radius: 10px; overflow: hidden; }
.progress-bar-fill { height: 100%; background: linear-gradient(90deg, var(--blue-bright), #00d2ff); border-radius: 10px; width: 0; transition: width 1.2s ease; }
.why-progress-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

/* ABOUT */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-image-col { position: relative; }
.about-img-main { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.about-img-main img { width: 100%; height: 420px; object-fit: cover; }
.about-img-badge { position: absolute; bottom: 30px; right: -20px; background: var(--blue-dark); color: var(--white); padding: 16px 20px; border-radius: 14px; box-shadow: var(--shadow-md); text-align: center; }
.about-img-badge .badge-num { font-size: 1.6rem; font-weight: 800; color: var(--blue-bright); display: block; }
.about-img-badge .badge-label { font-size: 0.72rem; color: rgba(255,255,255,0.8); display: block; }
.about-desc { font-size: 0.95rem; color: var(--text-mid); margin-bottom: 16px; line-height: 1.7; }
.about-pillars { margin: 28px 0; display: flex; flex-direction: column; gap: 20px; }
.pillar { display: flex; gap: 16px; align-items: flex-start; }
.pillar-icon { width: 44px; height: 44px; flex-shrink: 0; background: var(--blue-pale); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--blue-mid); font-size: 1rem; }
.pillar-content h4 { font-size: 0.95rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 4px; }
.pillar-content p { font-size: 0.85rem; color: var(--text-mid); line-height: 1.6; }
.about-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

/* PHONE LOAN ACCESS */
.section-phone-access {
  padding: 90px 0;
  background: linear-gradient(180deg, var(--blue-pale) 0%, var(--white) 100%);
}

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

.phone-access-image {
  position: relative;
}

.phone-access-image img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.phone-access-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: var(--white);
  padding: 12px 18px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
  box-shadow: 0 10px 30px rgba(13, 22, 84, 0.25);
}

.phone-access-badge i {
  color: var(--blue-bright);
}

.phone-access-content .section-label { margin-bottom: 12px; }
.phone-access-content .section-title { text-align: left; margin-bottom: 18px; }
.phone-access-content p {
  color: var(--text-mid);
  margin-bottom: 20px;
  line-height: 1.8;
  font-size: 0.95rem;
}

.phone-access-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 28px;
}

.phone-access-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.6;
}

.phone-access-list i {
  color: var(--blue-bright);
  margin-top: 3px;
  flex-shrink: 0;
}

.phone-access-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.phone-access-content-only {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.phone-access-content-only .section-title {
  text-align: center;
}

.phone-access-content-only p {
  color: var(--text-mid);
  margin-bottom: 24px;
  line-height: 1.8;
  font-size: 0.95rem;
}

.phone-access-list-inline {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 28px;
  text-align: left;
}

.phone-access-list-inline li {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px 18px;
}

.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; margin-top: 60px; }
.team-card { text-align: center; }
.team-avatar { width: 80px; height: 80px; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.6rem; font-weight: 700; color: var(--white); margin: 0 auto 14px; }
.team-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 4px; }
.team-card span { font-size: 0.82rem; color: var(--blue-bright); font-weight: 600; }

/* BRANCHES */
.branches-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.branch-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 32px 28px; transition: var(--transition); position: relative; overflow: hidden; }
.branch-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--blue-dark), var(--blue-bright)); }
.branch-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--blue-bright); }
.branch-card.head-office::before { background: linear-gradient(90deg, var(--blue-bright), #00d2ff); }
.branch-header { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.branch-icon { width: 50px; height: 50px; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: var(--white); }
.branch-tag { font-size: 0.72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--blue-bright); background: rgba(0,174,239,0.1); border: 1px solid rgba(0,174,239,0.3); padding: 4px 12px; border-radius: 50px; }
.branch-tag.new-branch { background: rgba(21,101,192,0.1); border-color: rgba(21,101,192,0.3); color: var(--blue-mid); }
.branch-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 10px; }
.branch-card p { font-size: 0.88rem; color: var(--text-mid); margin-bottom: 20px; line-height: 1.6; }
.branch-contact { display: flex; gap: 12px; flex-wrap: wrap; }
.branch-contact a { display: flex; align-items: center; gap: 6px; font-size: 0.82rem; font-weight: 600; color: var(--blue-mid); background: var(--blue-pale); padding: 7px 14px; border-radius: 8px; transition: var(--transition); }
.branch-contact a:hover { background: var(--blue-dark); color: var(--white); }
.branch-contact a i { color: var(--blue-bright); }

/* TESTIMONIALS */
.section-testimonials { background: var(--off-white); }
.testimonials-swiper { padding-bottom: 50px !important; }
.testimonial-card { background: var(--white); border-radius: var(--radius-lg); padding: 36px 32px; border: 1px solid var(--border); box-shadow: var(--shadow-sm); height: auto; display: flex; flex-direction: column; gap: 16px; }
.testimonial-card.featured { border-color: var(--blue-bright); box-shadow: 0 8px 32px rgba(0,174,239,0.15); }
.testimonial-quote-icon { font-size: 1.5rem; color: var(--blue-bright); }
.testimonial-text { font-size: 0.92rem; color: var(--text-mid); line-height: 1.75; flex: 1; font-style: italic; }
.testimonial-stars { display: flex; gap: 3px; }
.testimonial-stars i { color: #F59E0B; font-size: 0.85rem; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar { width: 46px; height: 46px; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.85rem; color: var(--white); }
.author-info strong { display: block; font-size: 0.9rem; color: var(--blue-dark); }
.author-info span { font-size: 0.78rem; color: var(--text-light); }
.swiper-button-prev, .swiper-button-next { color: var(--blue-bright) !important; }
.swiper-pagination-bullet-active { background: var(--blue-bright) !important; }
.testimonials-trust { display: flex; align-items: center; justify-content: center; gap: 24px; flex-wrap: wrap; margin-top: 40px; padding: 24px; background: var(--white); border-radius: var(--radius); border: 1px solid var(--border); }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; font-weight: 600; color: var(--blue-dark); }
.trust-item i { color: var(--blue-bright); }
.trust-sep { width: 1px; height: 30px; background: var(--border); }

/* CONTACT */
.section-contact { background: var(--off-white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 56px; align-items: start; }
.contact-intro { font-size: 0.95rem; color: var(--text-mid); margin-bottom: 32px; line-height: 1.7; }
.contact-details { display: flex; flex-direction: column; gap: 18px; }
.contact-detail { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 44px; height: 44px; flex-shrink: 0; background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--white); font-size: 1rem; }
.contact-detail strong { display: block; font-size: 0.85rem; color: var(--blue-dark); margin-bottom: 2px; }
.contact-detail a, .contact-detail span { font-size: 0.9rem; color: var(--text-mid); transition: color 0.2s; }
.contact-detail a:hover { color: var(--blue-bright); }
.contact-visual {
  position: relative;
  margin-top: 32px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.contact-visual img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}
.contact-visual-overlay {
  position: absolute;
  inset: auto 0 0 0;
  padding: 24px;
  background: linear-gradient(to top, rgba(13,22,84,0.92) 0%, rgba(13,22,84,0.55) 70%, transparent 100%);
  color: var(--white);
}
.contact-visual-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,174,239,0.2);
  border: 1px solid rgba(0,174,239,0.45);
  color: var(--blue-bright);
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.contact-visual-overlay p {
  margin: 0;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.88);
  line-height: 1.5;
}
.contact-form-wrap { background: var(--white); border-radius: var(--radius-lg); padding: 40px 36px; box-shadow: var(--shadow-md); border: 1px solid var(--border); }
.form-header { margin-bottom: 28px; }
.form-header h3 { font-size: 1.3rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 6px; }
.form-header p { font-size: 0.85rem; color: var(--text-mid); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--blue-dark); display: flex; align-items: center; gap: 6px; }
.form-group label i { color: var(--blue-bright); }
.form-group input, .form-group select, .form-group textarea { padding: 11px 14px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 0.88rem; color: var(--text); background: var(--white); transition: border-color 0.2s, box-shadow 0.2s; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--blue-bright); box-shadow: 0 0 0 3px rgba(0,174,239,0.12); }
.form-consent { font-size: 0.78rem; color: var(--text-light); margin-bottom: 16px; display: flex; gap: 6px; align-items: flex-start; }
.form-consent i { color: var(--blue-bright); margin-top: 2px; }
.btn-submit { background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid)); color: var(--white); padding: 15px; font-size: 1rem; border: none; width: 100%; justify-content: center; }
.btn-submit:hover { background: linear-gradient(135deg, var(--blue-mid), var(--blue-bright)); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,174,239,0.35); }
.form-message { margin-top: 12px; text-align: center; font-size: 0.85rem; font-weight: 600; }
.form-message.success { color: #16a34a; }
.form-message.error { color: #dc2626; }

/* CAREERS */
.jobs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.job-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 32px 28px; transition: var(--transition); border-top: 4px solid var(--blue-bright); }
.job-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.job-header { margin-bottom: 16px; }
.job-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; flex-wrap: wrap; }
.job-date { font-size: 0.78rem; color: var(--text-light); display: flex; align-items: center; gap: 5px; }
.job-tag { font-size: 0.72rem; font-weight: 700; background: rgba(0,174,239,0.1); color: var(--blue-bright); border: 1px solid rgba(0,174,239,0.3); padding: 3px 10px; border-radius: 50px; text-transform: uppercase; }
.job-dept { font-size: 0.8rem; color: var(--text-mid); display: flex; align-items: center; gap: 6px; }
.job-dept i { color: var(--blue-mid); }
.job-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 10px; }
.job-card p { font-size: 0.88rem; color: var(--text-mid); margin-bottom: 16px; line-height: 1.6; }
.job-reqs { margin-bottom: 20px; display: flex; flex-direction: column; gap: 6px; }
.job-reqs li { font-size: 0.82rem; color: var(--text-mid); display: flex; gap: 8px; align-items: flex-start; }
.job-reqs li i { color: var(--blue-bright); margin-top: 3px; }
.careers-note { margin-top: 40px; background: var(--blue-pale); border: 1px solid var(--border); border-left: 4px solid var(--blue-bright); border-radius: var(--radius); padding: 20px 24px; display: flex; gap: 12px; align-items: flex-start; font-size: 0.88rem; color: var(--text-mid); }
.careers-note i { color: var(--blue-bright); font-size: 1.1rem; margin-top: 2px; }
.careers-note a { color: var(--blue-mid); font-weight: 600; }

/* CTA BANNER */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  padding: 70px 0;
  text-align: center;
  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-banner-content { position: relative; z-index: 2; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 3.5vw, 2.5rem); color: var(--white); font-weight: 700; margin-bottom: 14px; }
.cta-banner p { color: rgba(255,255,255,0.8); font-size: 1rem; margin-bottom: 32px; max-width: 500px; margin-left: auto; margin-right: auto; }
.cta-banner-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* FOOTER */
.footer { background-color: var(--blue-dark); background: var(--blue-dark); }
.footer-top { padding: 70px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; }
.footer-logo { font-size: 1.4rem; font-weight: 800; color: var(--white); margin-bottom: 16px; }
.footer-logo .brand-c { color: var(--blue-bright); }
.footer-ltd { font-size: 0.85rem; color: rgba(255,255,255,0.6); font-weight: 400; }
.footer-about { font-size: 0.85rem; color: rgba(255,255,255,0.65); line-height: 1.7; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; margin-bottom: 20px; }
.footer-social a { width: 36px; height: 36px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); font-size: 0.88rem; transition: var(--transition); }
.footer-social a:hover { background: var(--blue-bright); border-color: var(--blue-bright); color: var(--white); }
.footer-cert { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-cert i { color: var(--blue-bright); }
.footer-col h4 { font-size: 0.9rem; font-weight: 700; color: var(--white); margin-bottom: 16px; letter-spacing: 0.5px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.65); transition: color 0.2s; display: flex; align-items: center; gap: 6px; }
.footer-col ul li a i { color: var(--blue-bright); font-size: 0.65rem; }
.footer-col ul li a:hover { color: var(--blue-bright); }
.footer-contact-list { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-list li { display: flex; gap: 10px; align-items: flex-start; font-size: 0.85rem; color: rgba(255,255,255,0.65); }
.footer-contact-list li i { color: var(--blue-bright); margin-top: 3px; width: 16px; }
.footer-contact-list li a { color: rgba(255,255,255,0.65); transition: color 0.2s; }
.footer-contact-list li a:hover { color: var(--blue-bright); }
.footer-newsletter { margin-top: 24px; }
.footer-newsletter h4 { margin-bottom: 10px; }
.newsletter-form { display: flex; gap: 8px; }
.newsletter-form input { flex: 1; padding: 9px 12px; border-radius: 8px; border: 1px solid rgba(255,255,255,0.15); background: rgba(255,255,255,0.08); color: var(--white); font-size: 0.82rem; }
.newsletter-form input::placeholder { color: rgba(255,255,255,0.4); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; }
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-bottom a { color: var(--blue-bright); }
.footer-legal { display: flex; gap: 16px; align-items: center; font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-legal a { color: rgba(255,255,255,0.5); transition: color 0.2s; }
.footer-legal a:hover { color: var(--blue-bright); }
.footer-blue-bar { height: 5px; background: linear-gradient(90deg, var(--blue-bright), #00d2ff, var(--blue-bright)); }

/* FLOATING WHATSAPP */
.wa-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  background: linear-gradient(135deg, #25D366, #1ebe5b);
  border-radius: 50px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px 14px 18px;
  color: var(--white);
  font-weight: 600;
  font-size: 0.88rem;
  text-decoration: none;
  box-shadow: 0 6px 28px rgba(37,211,102,0.42);
  transition: all 0.3s ease;
  border: 2px solid rgba(255,255,255,0.18);
}
.wa-float i { font-size: 1.5rem; flex-shrink: 0; }
.wa-float:hover { transform: translateY(-3px); box-shadow: 0 10px 36px rgba(37,211,102,0.55); color: var(--white); }
.wa-tooltip {
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
  position: static;
  background: none;
  color: white;
  padding: 0;
  border-radius: 0;
  opacity: 1;
  pointer-events: auto;
}
.wa-ping { position: absolute; top: -4px; right: -4px; width: 13px; height: 13px; background: #ff4444; border-radius: 50%; border: 2px solid var(--white); animation: ping 1.5s ease infinite; }
@keyframes ping { 0%,100% { transform: scale(1); opacity: 1; } 50% { transform: scale(1.4); opacity: 0.7; } }
.back-to-top { position: fixed; bottom: 90px; right: 24px; z-index: 998; width: 44px; height: 44px; background: var(--blue-dark); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--white); font-size: 1rem; box-shadow: var(--shadow-sm); opacity: 0; pointer-events: none; transition: var(--transition); }
.back-to-top.visible { opacity: 1; pointer-events: auto; }
.back-to-top:hover { background: var(--blue-bright); transform: translateY(-3px); }
@media (max-width: 480px) {
  .wa-float { padding: 14px; border-radius: 50%; }
  .wa-tooltip { display: none; }
}

/* ANIMATIONS */
@keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeLeft { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: translateX(0); } }
[data-aos] { opacity: 0; transition: opacity 0.6s ease, transform 0.6s ease; }
[data-aos="fade-up"] { transform: translateY(30px); }
[data-aos="fade-right"] { transform: translateX(-30px); }
[data-aos="fade-left"] { transform: translateX(30px); }
[data-aos="zoom-in"] { transform: scale(0.9); }
[data-aos].aos-animate { opacity: 1 !important; transform: none !important; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .container { padding: 0 20px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-content { gap: 40px; }
  .why-progress-section { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .process-arrow { display: none; }
  .topbar { display: none; }
}

@media (max-width: 768px) {
  .container { padding: 0 16px; }
  .section { padding: 64px 0; }
  .section-header { margin-bottom: 40px; }
  .section-title { font-size: clamp(1.55rem, 6vw, 2rem); }
  .announcement-bar { padding: 8px 0; font-size: 0.72rem; }
  .announcement-inner { padding-right: 32px; padding-left: 8px; }
  .announcement-bar a { margin-left: 4px; display: inline-block; }
  .navbar-inner { padding: 10px 0; gap: 12px; }
  .navbar-brand { flex: 1; min-width: 0; }
  .brand-logo-img { height: 42px !important; max-height: 42px; }
  .navbar-mobile-actions { display: flex; }
  .nav-phone-mobile { display: flex; }
  .mobile-menu-header { display: flex; }
  .mobile-menu-panel {
    display: flex;
    flex-direction: column;
    margin-left: auto;
    width: min(320px, 88vw);
    height: 100%;
    background-color: var(--white);
    box-shadow: -8px 0 40px rgba(13,22,84,0.18);
    padding: 88px 20px 32px;
    overflow-y: auto;
    gap: 6px;
    transform: translateX(100%);
    transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  }
  .mobile-menu-cta { display: block; }
  .mobile-menu-list {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 6px;
    width: 100%;
  }
  .nav-links {
    display: flex;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(13,22,84,0.45);
    flex-direction: column;
    justify-content: flex-start;
    align-items: stretch;
    gap: 0;
    z-index: 999;
    padding: 0;
    overflow: hidden;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.3s ease, visibility 0.3s ease;
  }
  .nav-links.open {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
  }
  .nav-links.open .mobile-menu-panel { transform: translateX(0); }
  .nav-links.open .mobile-menu-header { transform: translateX(0); }
  .mobile-menu-header {
    position: absolute;
    top: 0;
    right: 0;
    width: min(320px, 88vw);
    height: 72px;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px;
    background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
    border-bottom: 1px solid rgba(0,174,239,0.25);
    z-index: 1;
    transform: translateX(100%);
    transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  }
  .mobile-menu-title {
    color: var(--white);
    font-size: 0.92rem;
    font-weight: 700;
    letter-spacing: 0.3px;
  }
  .mobile-menu-close {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    border: 1px solid rgba(255,255,255,0.2);
    background: rgba(255,255,255,0.1);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    transition: var(--transition);
  }
  .mobile-menu-close:hover { background: rgba(255,255,255,0.2); }
  .mobile-menu-list > li { width: 100%; list-style: none; }
  .nav-link {
    width: 100%;
    padding: 14px 16px;
    font-size: 0.95rem;
    border-radius: 10px;
    justify-content: space-between;
  }
  .nav-link.active {
    background: var(--blue-pale);
    color: var(--blue-dark);
    border-left: 3px solid var(--blue-bright);
  }
  .nav-dropdown .nav-link { margin-bottom: 4px; }
  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: var(--off-white);
    width: 100%;
    max-width: none;
    margin: 0 0 8px;
    padding: 6px;
    border-radius: 10px;
  }
  .dropdown-menu li a {
    padding: 11px 14px;
    font-size: 0.88rem;
  }
  .mobile-menu-cta {
    margin-top: auto;
    padding-top: 20px;
  }
  .mobile-menu-cta .btn {
    width: 100%;
    justify-content: center;
    padding: 14px 20px;
  }
  .hamburger { display: flex; }
  .nav-cta { display: none; }
  .hero-content { grid-template-columns: 1fr; gap: 32px; }
  .hero-visual { display: none !important; }
  .hero {
    min-height: auto !important;
    padding: 48px 0 40px !important;
  }
  .hero-title { font-size: clamp(1.75rem, 7vw, 2.4rem); }
  .hero-subtitle { font-size: 0.95rem; max-width: 100%; }
  .hero-loan-chips { gap: 6px; margin-bottom: 24px; }
  .hero-loan-chips span { font-size: 0.72rem; padding: 4px 10px; }
  .hero-actions { flex-direction: column; margin-bottom: 28px; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-stats-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px 12px;
  }
  .hero-stat-divider { display: none; }
  .hero-stat-item { text-align: center; }
  .about-grid { grid-template-columns: 1fr; }
  .phone-access-grid { grid-template-columns: 1fr; gap: 32px; }
  .phone-access-image img { height: auto; max-height: 340px; }
  .phone-access-list-inline { grid-template-columns: 1fr; }
  .phone-access-actions .btn { width: 100%; justify-content: center; }
  .contact-visual img { height: 260px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-card { border-right: none; border-bottom: 1px solid rgba(0,174,239,0.15); }
  .marquee-track span { font-size: 0.75rem; }
  .page-hero { padding: 48px 0 40px; }
  .page-hero h1 { font-size: clamp(1.6rem, 6vw, 2.2rem); }
  .branches-grid { grid-template-columns: 1fr; }
  .wa-float { bottom: 16px; right: 16px; }
  .back-to-top { bottom: 76px; right: 16px; }
}

@media (max-width: 480px) {
  html { font-size: 15px; }
  .container { padding: 0 14px; }
  .footer-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-stats-row { grid-template-columns: repeat(2, 1fr); }
  .cta-banner-btns { flex-direction: column; align-items: stretch; }
  .cta-banner-btns .btn { width: 100%; justify-content: center; }
  .services-cta-inner { flex-direction: column; text-align: center; }
  .stats-grid { grid-template-columns: 1fr; }
  .stat-card { border-bottom: 1px solid rgba(0,174,239,0.15); }
  .announcement-inner > span { font-size: 0.68rem; }
  .btn { padding: 12px 20px; }
  .btn-lg { padding: 14px 24px; font-size: 0.92rem; }
}

/* ---- FAQ page ---- */
.section-faq { padding: 72px 0 80px; background: var(--white); }
.faq-layout {
  display: grid;
  grid-template-columns: minmax(260px, 380px) 1fr;
  gap: 48px 56px;
  align-items: start;
}
.faq-image-col img {
  width: 100%;
  height: auto;
  max-height: 620px;
  object-fit: cover;
  object-position: center top;
  border-radius: 16px 16px 0 0;
  box-shadow: 0 20px 50px rgba(13, 22, 84, 0.12);
}
.faq-content-col .section-title { margin-bottom: 12px; }
.faq-intro {
  color: var(--text-muted);
  margin-bottom: 28px;
  max-width: 540px;
  line-height: 1.65;
}
.faq-accordion { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  border-radius: 8px;
  overflow: hidden;
  background: var(--blue-dark);
  box-shadow: 0 4px 14px rgba(13, 22, 84, 0.08);
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  border: none;
  background: var(--blue-dark);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  transition: background 0.2s ease;
}
.faq-question:hover { background: #121d6a; }
.faq-question i {
  flex-shrink: 0;
  font-size: 0.85rem;
  transition: transform 0.25s ease;
}
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  background: var(--white);
}
.faq-item.active .faq-answer { max-height: 320px; }
.faq-answer p {
  padding: 18px 22px 22px;
  margin: 0;
  color: var(--text-body);
  line-height: 1.65;
  font-size: 0.92rem;
}
.faq-answer a { color: var(--blue-bright); font-weight: 600; }
.faq-cta {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}
.faq-cta p { margin-bottom: 14px; font-weight: 600; color: var(--blue-dark); }

@media (max-width: 992px) {
  .faq-layout { grid-template-columns: 1fr; gap: 36px; }
  .faq-image-col { max-width: 420px; margin: 0 auto; }
}
@media (max-width: 576px) {
  .section-faq { padding: 48px 0 56px; }
  .faq-question { padding: 16px 18px; font-size: 0.88rem; }
}