/* ═══════════════════════════════════════════════════════════
   RIYANSH FINANCIAL SERVICES — Design System v2
   Hand-crafted premium financial website
   ═══════════════════════════════════════════════════════════ */

:root {
  --primary: #0f1724;
  --primary-dk: #080d14;
  --primary-lt: #1c2a3f;
  --secondary: #162038;
  --accent: #b8860b;
  --accent-dk: #8b6508;
  --accent-lt: #d4a017;
  --accent-glow: rgba(184, 134, 11, .12);
  --bg: #ffffff;
  --surface: #ffffff;
  --text: #111827;
  --text-secondary: #374151;
  --muted: #6b7280;
  --light: #9ca3af;
  --border: #e5e7eb;
  --border-lt: #f3f4f6;
  --success: #047857;
  --warning: #b45309;
  --error: #b91c1c;
  --overlay: rgba(15, 23, 36, .92);
  --font: 'Poppins', system-ui, -apple-system, sans-serif;
  --font-heading: 'Poppins', system-ui, sans-serif;
  --section-py: 88px;
  --r: 6px;
  --r-md: 10px;
  --r-lg: 14px;
  --r-xl: 20px;
  --r-full: 9999px;
  --sh-xs: 0 1px 2px rgba(0,0,0,.04);
  --sh-sm: 0 1px 4px rgba(0,0,0,.06);
  --sh: 0 4px 12px rgba(0,0,0,.07);
  --sh-md: 0 6px 20px rgba(0,0,0,.08);
  --sh-lg: 0 12px 36px rgba(0,0,0,.1);
  --sh-xl: 0 20px 50px rgba(0,0,0,.14);
  --tr: .25s ease;
  --tr-fast: .15s ease;
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  font-family: var(--font);
  font-size: 15px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--tr-fast); }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: inherit; font-size: inherit; }

/* ─── Layout ─── */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 1200px; }
.section { padding: var(--section-py) 0; }
.section-sm { padding: 48px 0; }
.section-dark { background: var(--primary); color: #fff; }
.section-alt { background: var(--bg); }
.section-surface { background: var(--surface); }

/* ─── Typography ─── */
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); font-weight: 400; line-height: 1.15; color: var(--text); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }
h1 { font-size: clamp(1.9rem, 4.5vw, 3.2rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.7rem); }
h4 { font-size: clamp(1rem, 1.5vw, 1.2rem); }

.section-label {
  display: inline-block;
  font-family: var(--font);
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--accent);
  margin-bottom: 12px;
  position: relative;
  padding-left: 28px;
}
.section-label::before { content: ''; position: absolute; left: 0; top: 50%; width: 20px; height: 1.5px; background: var(--accent); }
.section-title { margin-bottom: 12px; }
.section-subtitle { font-family: var(--font); font-size: .95rem; color: var(--muted); max-width: 540px; line-height: 1.7; }
.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-header.center .section-subtitle { margin: 0 auto; }

/* ─── Buttons ─── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 28px; font-size: .85rem; font-weight: 600; border-radius: var(--r);
  transition: all var(--tr); white-space: nowrap; border: 1.5px solid transparent;
  letter-spacing: .2px;
}
.btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.btn-primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-primary:hover { background: var(--accent-dk); border-color: var(--accent-dk); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(184,134,11,.25); }
.btn-secondary { background: var(--primary); color: #fff; border-color: var(--primary); }
.btn-secondary:hover { background: var(--primary-lt); transform: translateY(-1px); box-shadow: var(--sh-md); }
.btn-outline { background: transparent; color: var(--text); border-color: var(--border); }
.btn-outline:hover { border-color: var(--primary); color: var(--primary); transform: translateY(-1px); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.25); }
.btn-outline-light:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.5); }
.btn-sm { padding: 11px 22px; font-size: .84rem; }
.btn-lg { padding: 15px 34px; font-size: .9rem; }

/* ═══════════════ TOP BAR ═══════════════ */
.top-bar { background: #000000; font-size: .77rem; padding: 10px 0; border-bottom: 1px solid rgba(184,134,11,.15); }
.top-bar .container { display: flex; align-items: center; justify-content: space-between; }
.top-bar .contact-info { display: flex; gap: 24px; }
.top-bar .contact-info a { display: inline-flex; align-items: center; gap: 6px; color: rgba(255,255,255,.85); font-weight: 400; letter-spacing: .2px; }
.top-bar .contact-info a:hover { color: var(--accent-lt); }
.top-bar .contact-info a i { color: var(--accent-lt); font-size: .7rem; }
.top-bar .contact-info a i.fa-phone-flip { transform: scaleX(-1); }
.top-bar .social-links { display: flex; gap: 12px; }
.top-bar .social-links a { color: rgba(255,255,255,.6); font-size: .8rem; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; border-radius: 50%; border: 1px solid rgba(255,255,255,.12); transition: all .2s ease; }
.top-bar .social-links a:hover { color: var(--accent-lt); border-color: var(--accent-lt); background: rgba(184,134,11,.1); }

@media (max-width: 600px) {
  .top-bar .contact-info { gap: 12px; }
  .top-bar .contact-info a span, .top-bar .social-links { display: none; }
  .top-bar { padding: 7px 0; }
}

/* ═══════════════ HEADER ═══════════════ */
.header { position: sticky; top: 0; z-index: 1000; background: var(--surface); border-bottom: 1px solid var(--border); }
.header.scrolled { box-shadow: var(--sh-sm); }
.navbar { display: flex; align-items: center; justify-content: space-between; height: 80px; position: relative; }
.nav-logo img { height: 80px; width: auto; }
.nav-menu { position: absolute; left: 50%; transform: translateX(-50%); display: flex; align-items: center; gap: 2px; }
.nav-cta { }
.nav-item { position: relative; }
.nav-link { display: flex; align-items: center; gap: 4px; padding: 8px 14px; font-size: .87rem; font-weight: 500; color: var(--text-secondary); border-radius: var(--r); transition: var(--tr-fast); white-space: nowrap; }
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--border-lt); }
.nav-link i.fa-chevron-down { font-size: .6rem; transition: var(--tr-fast); }
.nav-item:hover .nav-link i.fa-chevron-down { transform: rotate(180deg); }
.nav-dropdown { position: absolute; top: calc(100% + 4px); left: 0; min-width: 200px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); box-shadow: var(--sh-lg); padding: 6px; opacity: 0; visibility: hidden; transform: translateY(6px); transition: var(--tr); z-index: 100; }
.nav-item:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown a { display: block; padding: 9px 14px; font-size: .82rem; font-weight: 500; color: var(--text-secondary); border-radius: var(--r); }
.nav-dropdown a:hover { background: var(--border-lt); color: var(--primary); }
.nav-toggle { display: none; width: 36px; height: 36px; align-items: center; justify-content: center; flex-direction: column; gap: 5px; }
.nav-toggle span { width: 20px; height: 1.5px; background: var(--primary); border-radius: 1px; transition: var(--tr); display: block; }

@media (max-width: 1024px) {
  .nav-toggle { display: flex; }
  .nav-menu { position: fixed; top: 0; right: -100%; width: 85%; max-width: 340px; height: 100dvh; background: var(--surface); flex-direction: column; align-items: stretch; padding: 72px 20px 32px; gap: 0; overflow-y: auto; transition: right .35s ease; box-shadow: var(--sh-xl); z-index: 999; }
  .nav-menu.active { right: 0; }
  .nav-link { padding: 13px 14px; font-size: .92rem; border-bottom: 1px solid var(--border-lt); border-radius: 0; }
  .nav-dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; padding: 0 0 0 12px; display: none; min-width: auto; }
  .nav-item.dropdown-open .nav-dropdown { display: block; }
  .nav-cta { margin: 20px 0 0; }
  .nav-overlay { position: fixed; inset: 0; background: var(--overlay); z-index: 998; opacity: 0; visibility: hidden; transition: var(--tr); }
  .nav-overlay.active { opacity: 1; visibility: visible; }
}

/* ═══════════════ HERO ═══════════════ */
.hero {
  position: relative;
  padding: 80px 0 100px;
  background: var(--primary) url('/images/hero-bg.jpg') center/cover no-repeat;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 60%;
  height: 180%;
  background: radial-gradient(ellipse at center, rgba(184,134,11,.06), transparent 65%);
  pointer-events: none;
}
.hero::after { display: none; }
.hero .container { position: relative; z-index: 2; text-align: center; display: flex; flex-direction: column; align-items: center; }
.hero-content { max-width: 700px; color: #fff; text-align: center; }
.hero-label { display: inline-block; font-family: var(--font); font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 3px; color: var(--accent-lt); margin-bottom: 20px; padding: 6px 14px; background: rgba(184,134,11,.1); border: 1px solid rgba(184,134,11,.2); border-radius: var(--r-full); }
.hero-title { color: #fff; margin-bottom: 20px; line-height: 1.1; }
.hero-title span { color: var(--accent-lt); }
.hero-subtitle { font-family: var(--font); font-size: 1rem; color: rgba(255,255,255,.65); margin-bottom: 36px; max-width: 560px; margin-left: auto; margin-right: auto; line-height: 1.8; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.hero-visual, .hero-graphic, .hero-graphic-inner, .hero-graphic-icon { display: none; }

@media (max-width: 768px) {
  .hero { padding: 56px 0 72px; }
  .hero-title { font-size: clamp(1.7rem, 6vw, 2.4rem); }
  .hero-subtitle { font-size: .9rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; max-width: 260px; }
}

/* ═══════════════ TRUST STRIP ═══════════════ */
.trust-strip { padding: 36px 0; background: var(--surface); border-bottom: 1px solid var(--border); }
.trust-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
.trust-item { text-align: center; padding: 14px 8px; }
.trust-icon { width: 44px; height: 44px; margin: 0 auto 10px; display: flex; align-items: center; justify-content: center; background: var(--accent-glow); border-radius: var(--r); color: var(--accent); font-size: 1.1rem; }
.trust-title { font-family: var(--font); font-size: .76rem; font-weight: 600; color: var(--text-secondary); line-height: 1.35; }

@media (max-width: 768px) { .trust-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 480px) { .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; } .trust-item { padding: 10px 6px; } }

/* ═══════════════ SERVICE CARDS ═══════════════ */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 28px 24px; transition: all var(--tr); position: relative; }
.service-card:hover { transform: translateY(-3px); box-shadow: var(--sh-md); border-color: var(--accent); }
.service-card-icon { width: 42px; height: 42px; display: flex; align-items: center; justify-content: center; background: var(--primary); color: var(--accent-lt); border-radius: var(--r); font-size: 1rem; margin-bottom: 16px; }
.service-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.service-card p { font-size: .83rem; color: var(--muted); margin-bottom: 16px; line-height: 1.65; }
.service-card-link { font-size: .8rem; font-weight: 600; color: var(--accent-dk); display: inline-flex; align-items: center; gap: 5px; }
.service-card-link:hover { color: var(--accent); gap: 8px; }

@media (max-width: 900px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .services-grid { grid-template-columns: 1fr; } .service-card { padding: 22px 18px; } }

/* ═══════════════ LOAN CARDS ═══════════════ */
.loan-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 16px; }
.loan-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 24px 18px; text-align: center; transition: all var(--tr); }
.loan-card:hover { border-color: var(--accent); box-shadow: var(--sh); transform: translateY(-2px); }
.loan-card-icon { width: 40px; height: 40px; margin: 0 auto 12px; display: flex; align-items: center; justify-content: center; background: var(--accent-glow); border-radius: var(--r-full); color: var(--accent); font-size: .95rem; }
.loan-card h4 { font-size: .92rem; margin-bottom: 6px; }
.loan-card p { font-size: .77rem; color: var(--muted); margin-bottom: 14px; }

@media (max-width: 480px) { .loan-cards { grid-template-columns: repeat(2, 1fr); gap: 10px; } .loan-card { padding: 18px 12px; } }

/* ═══════════════ CALCULATOR ═══════════════ */
.calculator-section { background: var(--primary); }
.calculator-wrapper { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; align-items: center; }
.calculator-info { color: #fff; }
.calculator-info h2 { color: #fff; margin-bottom: 12px; }
.calculator-info p { color: rgba(255,255,255,.65); margin-bottom: 20px; font-size: .9rem; }
.calculator-box { background: var(--surface); border-radius: var(--r-lg); padding: 32px; box-shadow: var(--sh-xl); }
.calc-field { margin-bottom: 22px; }
.calc-field label { display: flex; justify-content: space-between; font-size: .8rem; font-weight: 600; color: var(--text-secondary); margin-bottom: 8px; }
.calc-field label span { font-weight: 700; color: var(--primary); font-size: .85rem; }
.calc-field input[type="range"] { width: 100%; -webkit-appearance: none; appearance: none; height: 5px; background: var(--border); border-radius: 3px; outline: none; }
.calc-field input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; background: var(--accent); border-radius: 50%; cursor: pointer; box-shadow: 0 2px 6px rgba(184,134,11,.3); }
.calc-field input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; background: var(--accent); border-radius: 50%; cursor: pointer; border: none; }
.calc-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; padding-top: 20px; border-top: 1px solid var(--border); }
.calc-result-item { text-align: center; }
.calc-result-item small { font-size: .68rem; color: var(--muted); text-transform: uppercase; letter-spacing: .8px; }
.calc-result-item .value { display: block; font-size: 1.2rem; font-weight: 800; color: var(--primary); margin-top: 3px; }

@media (max-width: 900px) { .calculator-wrapper { grid-template-columns: 1fr; gap: 32px; } }
@media (max-width: 480px) { .calculator-box { padding: 22px 16px; } .calc-results { grid-template-columns: 1fr; gap: 10px; } .calc-result-item { display: flex; justify-content: space-between; align-items: center; text-align: left; } }

/* ═══════════════ FRANCHISE CTA ═══════════════ */
.franchise-cta-section { background: linear-gradient(160deg, var(--primary) 0%, var(--secondary) 100%); position: relative; overflow: hidden; }
.franchise-cta-section::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E"); }
.franchise-cta-content { text-align: center; color: #fff; position: relative; z-index: 2; }
.franchise-cta-content h2 { color: #fff; margin-bottom: 12px; }
.franchise-cta-content p { color: rgba(255,255,255,.65); max-width: 520px; margin: 0 auto 28px; font-size: .92rem; }
.franchise-plans-preview { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; max-width: 680px; margin: 0 auto 32px; }
.franchise-plan-mini { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: var(--r-md); padding: 20px 12px; text-align: center; }
.franchise-plan-mini.popular { background: rgba(184,134,11,.08); border-color: rgba(184,134,11,.25); }
.franchise-plan-mini h4 { color: #fff; font-size: .85rem; margin-bottom: 6px; font-family: var(--font); font-weight: 600; }
.franchise-plan-mini .price { font-family: var(--font); font-size: 1.15rem; font-weight: 800; color: var(--accent-lt); }
.franchise-plan-mini .price small { font-size: .65rem; font-weight: 400; color: rgba(255,255,255,.5); display: block; margin-top: 2px; }

@media (max-width: 640px) { .franchise-plans-preview { grid-template-columns: 1fr; max-width: 240px; gap: 10px; } .franchise-plan-mini { padding: 14px 10px; } }

/* ═══════════════ BENEFITS ═══════════════ */
.benefits-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.benefit-item { padding: 24px 16px; border-radius: var(--r-lg); text-align: center; transition: all var(--tr); border: 1px solid transparent; }
.benefit-item:hover { background: var(--surface); border-color: var(--border); box-shadow: var(--sh-sm); }
.benefit-icon { width: 48px; height: 48px; margin: 0 auto 12px; display: flex; align-items: center; justify-content: center; background: var(--accent-glow); border-radius: var(--r); color: var(--accent); font-size: 1.1rem; }
.benefit-item h4 { font-size: .88rem; margin-bottom: 6px; font-family: var(--font); font-weight: 600; }
.benefit-item p { font-size: .76rem; color: var(--muted); line-height: 1.55; }

@media (max-width: 900px) { .benefits-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .benefits-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; } .benefit-item { padding: 16px 10px; } }

/* ═══════════════ FAQ ═══════════════ */
.faq-list { max-width: 700px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 18px 0; font-size: .9rem; font-weight: 600; color: var(--text); text-align: left; gap: 12px; }
.faq-question:hover { color: var(--accent-dk); }
.faq-question i { font-size: .7rem; color: var(--light); transition: var(--tr); flex-shrink: 0; }
.faq-item.active .faq-question i { transform: rotate(180deg); color: var(--accent); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer-inner { padding-bottom: 18px; font-size: .85rem; color: var(--muted); line-height: 1.75; }
.faq-item.active .faq-answer { max-height: 300px; }

/* ═══════════════ CTA ═══════════════ */
.cta-section { background: var(--primary); padding: 72px 0; text-align: center; }
.cta-section h2 { color: #fff; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,.6); max-width: 440px; margin: 0 auto 28px; font-size: .9rem; }
.cta-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px; }

@media (max-width: 480px) { .cta-actions { flex-direction: column; align-items: center; } .cta-actions .btn { width: 100%; max-width: 260px; } }

/* ═══════════════ FOOTER ═══════════════ */
.footer { background: var(--primary-dk); color: rgba(255,255,255,.6); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.8fr repeat(4, 1fr); gap: 32px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.06); }
.footer-brand { text-align: center; }
.footer-brand p { font-size: .8rem; margin-top: 12px; line-height: 1.65; color: rgba(255,255,255,.5); text-align: justify; }
.footer-brand img { height: 120px; width: auto; object-fit: contain; margin: 0 auto; }
.footer-col h4 { color: #fff; font-family: var(--font); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; }
.footer-col a { display: block; font-size: .8rem; color: rgba(255,255,255,.5); padding: 4px 0; }
.footer-col a:hover { color: var(--accent-lt); }
.footer-bottom { padding: 20px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: .72rem; color: rgba(255,255,255,.35); }
.footer-bottom-links { display: flex; gap: 16px; }
.footer-bottom-links a { font-size: .72rem; color: rgba(255,255,255,.35); }
.footer-bottom-links a:hover { color: var(--accent-lt); }
.footer-disclaimer { padding: 20px 0; border-top: 1px solid rgba(255,255,255,.04); font-size: .68rem; color: rgba(255,255,255,.3); line-height: 1.65; }

@media (max-width: 900px) { .footer-grid { grid-template-columns: repeat(3, 1fr); } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; } .footer-bottom { flex-direction: column; text-align: center; } }

/* ═══════════════ PRICING CARDS ═══════════════ */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; align-items: start; }
.pricing-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 32px 22px; position: relative; transition: all var(--tr); }
.pricing-card.featured { border-color: var(--accent); box-shadow: 0 6px 30px rgba(184,134,11,.12); }
.pricing-card:hover { box-shadow: var(--sh-lg); }
.pricing-badge { position: absolute; top: -10px; left: 50%; transform: translateX(-50%); background: var(--accent); color: #fff; font-size: .65rem; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; padding: 5px 14px; border-radius: var(--r-full); }
.pricing-header { text-align: center; padding-bottom: 20px; border-bottom: 1px solid var(--border); margin-bottom: 20px; }
.pricing-header h3 { font-size: 1.15rem; margin-bottom: 4px; }
.pricing-header .subtitle { font-size: .76rem; color: var(--muted); margin-bottom: 14px; }
.pricing-price { font-family: var(--font); font-size: 1.9rem; font-weight: 800; color: var(--primary); }
.pricing-price small { font-size: .65rem; font-weight: 400; color: var(--muted); display: block; margin-top: 2px; }
.pricing-commission { background: var(--accent-glow); border-radius: var(--r); padding: 10px 14px; margin-bottom: 20px; text-align: center; }
.pricing-commission span { font-size: .78rem; font-weight: 600; color: var(--accent-dk); }
.pricing-features { margin-bottom: 24px; }
.pricing-features li { display: flex; align-items: flex-start; gap: 8px; padding: 6px 0; font-size: .8rem; color: var(--text-secondary); }
.pricing-features li i { color: var(--success); font-size: .72rem; margin-top: 4px; flex-shrink: 0; }
.pricing-card .btn { width: 100%; }

@media (max-width: 900px) { .pricing-grid { grid-template-columns: 1fr; max-width: 380px; margin: 0 auto; } .pricing-card.featured { transform: none; } }

/* ═══════════════ REVENUE TABLE ═══════════════ */
.table-responsive { overflow-x: auto; border-radius: var(--r-md); border: 1px solid var(--border); -webkit-overflow-scrolling: touch; }
.revenue-table { width: 100%; border-collapse: collapse; font-size: .8rem; min-width: 560px; }
.revenue-table th { background: var(--primary); color: #fff; padding: 12px 14px; text-align: left; font-weight: 600; font-size: .75rem; text-transform: uppercase; letter-spacing: .4px; }
.revenue-table td { padding: 12px 14px; border-bottom: 1px solid var(--border); color: var(--text-secondary); }
.revenue-table tr:last-child td { border-bottom: none; }
.revenue-table tr:nth-child(even) td { background: var(--border-lt); }

/* ═══════════════ PROCESS ═══════════════ */
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.process-step { text-align: center; padding: 24px 14px; }
.process-number { width: 48px; height: 48px; margin: 0 auto 12px; display: flex; align-items: center; justify-content: center; background: var(--primary); color: var(--accent-lt); font-family: var(--font); font-size: 1.1rem; font-weight: 800; border-radius: var(--r-full); }
.process-step h4 { font-size: .9rem; margin-bottom: 6px; font-family: var(--font); font-weight: 600; }
.process-step p { font-size: .77rem; color: var(--muted); }

@media (max-width: 768px) { .process-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .process-grid { grid-template-columns: 1fr; gap: 12px; } .process-step { padding: 16px 10px; display: flex; align-items: center; gap: 14px; text-align: left; } .process-number { margin: 0; flex-shrink: 0; } }

/* ═══════════════ FORMS ═══════════════ */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: .78rem; font-weight: 600; color: var(--text-secondary); margin-bottom: 5px; }
.form-group label .required { color: var(--error); }
.form-control { padding: 11px 14px; border: 1px solid var(--border); border-radius: var(--r); font-size: .87rem; color: var(--text); background: var(--surface); transition: var(--tr-fast); }
.form-control:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-glow); }
.form-control::placeholder { color: var(--light); }
textarea.form-control { resize: vertical; min-height: 100px; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' fill='%236b7280' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10l-5 5z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.form-consent { display: flex; align-items: flex-start; gap: 8px; font-size: .75rem; color: var(--muted); }
.form-consent input[type="checkbox"] { margin-top: 2px; accent-color: var(--accent); }
.form-success, .form-error { padding: 14px 16px; border-radius: var(--r); font-size: .85rem; font-weight: 500; display: none; margin-top: 12px; }
.form-success { background: rgba(4,120,87,.06); color: var(--success); border: 1px solid rgba(4,120,87,.15); }
.form-error { background: rgba(185,28,28,.06); color: var(--error); border: 1px solid rgba(185,28,28,.15); }

@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }

/* ═══════════════ PAGE HERO ═══════════════ */
.page-hero { background: var(--primary); padding: 56px 0 44px; text-align: center; position: relative; }
.page-hero::after { display: none; }
.page-hero h1 { color: #fff; margin-bottom: 8px; font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
.page-hero .breadcrumb { display: flex; justify-content: center; gap: 6px; font-size: .77rem; color: rgba(255,255,255,.5); }
.page-hero .breadcrumb a { color: var(--accent-lt); }

/* ═══════════════ CONTENT PAGES ═══════════════ */
.content-page { max-width: 100%; margin: 0 auto; padding: 40px 0; }
.content-page h2 { font-size: 1.4rem; margin: 36px 0 12px; }
.content-page h3 { font-size: 1.1rem; margin: 28px 0 10px; }
.content-page p { margin-bottom: 14px; color: var(--text-secondary); line-height: 1.75; font-size: .9rem; }
.content-page ul, .content-page ol { margin: 12px 0; padding-left: 20px; }
.content-page li { margin-bottom: 7px; color: var(--text-secondary); line-height: 1.65; list-style: disc; font-size: .88rem; }

/* ═══════════════ CONTACT ═══════════════ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; }
.contact-info-list { list-style: none; }
.contact-info-item { display: flex; align-items: flex-start; gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--border); }
.contact-info-item:last-child { border-bottom: none; }
.contact-info-icon { width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; background: var(--accent-glow); border-radius: var(--r); color: var(--accent); flex-shrink: 0; font-size: .9rem; }
.contact-info-item h4 { font-family: var(--font); font-size: .8rem; font-weight: 700; margin-bottom: 3px; }
.contact-info-item p, .contact-info-item a { font-size: .84rem; color: var(--muted); }

@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr; gap: 36px; } }

/* ═══════════════ UTILITIES ═══════════════ */
.text-center { text-align: center; }
.text-accent { color: var(--accent); }
.mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1); }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-left { opacity: 0; transform: translateX(-30px); transition: opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1); }
.reveal-left.visible { opacity: 1; transform: translateX(0); }
.reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1); }
.reveal-right.visible { opacity: 1; transform: translateX(0); }
.reveal-scale { opacity: 0; transform: scale(.95); transition: opacity .6s ease, transform .6s ease; }
.reveal-scale.visible { opacity: 1; transform: scale(1); }

/* Stagger animation delays for grids */
.services-grid .service-card:nth-child(1) { transition-delay: 0s; }
.services-grid .service-card:nth-child(2) { transition-delay: .08s; }
.services-grid .service-card:nth-child(3) { transition-delay: .16s; }
.services-grid .service-card:nth-child(4) { transition-delay: .24s; }
.services-grid .service-card:nth-child(5) { transition-delay: .32s; }
.services-grid .service-card:nth-child(6) { transition-delay: .4s; }
.benefits-grid .benefit-item:nth-child(1) { transition-delay: 0s; }
.benefits-grid .benefit-item:nth-child(2) { transition-delay: .06s; }
.benefits-grid .benefit-item:nth-child(3) { transition-delay: .12s; }
.benefits-grid .benefit-item:nth-child(4) { transition-delay: .18s; }
.benefits-grid .benefit-item:nth-child(5) { transition-delay: .24s; }
.benefits-grid .benefit-item:nth-child(6) { transition-delay: .3s; }
.benefits-grid .benefit-item:nth-child(7) { transition-delay: .36s; }
.benefits-grid .benefit-item:nth-child(8) { transition-delay: .42s; }

/* Button hover micro-interactions */
.btn { position: relative; overflow: hidden; }
.btn::after { content: ''; position: absolute; inset: 0; background: rgba(255,255,255,.1); transform: translateX(-100%); transition: transform .3s ease; }
.btn:hover::after { transform: translateX(0); }

/* Card hover lift with smooth shadow */
.service-card, .loan-card, .pricing-card, .benefit-item {
  will-change: transform;
}

/* Smooth nav link underline animation */
.nav-link::after { content: ''; position: absolute; bottom: 2px; left: 50%; width: 0; height: 2px; background: var(--accent); transition: width .25s ease, left .25s ease; border-radius: 1px; }
.nav-link:hover::after, .nav-link.active::after { width: 60%; left: 20%; }

/* Hero text entrance */
.hero-content .hero-label { animation: fadeInUp .6s .2s both; }
.hero-content .hero-title { animation: fadeInUp .6s .4s both; }
.hero-content .hero-subtitle { animation: fadeInUp .6s .6s both; }
.hero-content .hero-actions { animation: fadeInUp .6s .8s both; }

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

/* Subtle floating animation for trust icons */
.trust-icon { animation: float 3s ease-in-out infinite; }
.trust-item:nth-child(2) .trust-icon { animation-delay: .3s; }
.trust-item:nth-child(3) .trust-icon { animation-delay: .6s; }
.trust-item:nth-child(4) .trust-icon { animation-delay: .9s; }
.trust-item:nth-child(5) .trust-icon { animation-delay: 1.2s; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-4px); }
}

/* Pricing card featured pulse */
.pricing-card.featured { animation: subtlePulse 3s ease-in-out infinite; }
@keyframes subtlePulse {
  0%, 100% { box-shadow: 0 6px 30px rgba(184,134,11,.12); }
  50% { box-shadow: 0 8px 40px rgba(184,134,11,.2); }
}

/* Process number counter style */
.process-number { transition: all .3s ease; }
.process-step:hover .process-number { transform: scale(1.1); background: var(--accent); color: #fff; }

/* Smooth page transitions */
body { animation: pageIn .4s ease; }
@keyframes pageIn { from { opacity: 0; } to { opacity: 1; } }

.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }