:root {
  --navy: #0a1628;
  --deep-blue: #0d2147;
  --blue: #1a3a6e;
  --mid-blue: #1e4d9b;
  --light-blue: #2563eb;
  --gold: #c9a84c;
  --gold-light: #e8c96a;
  --gold-pale: #f5e4b0;
  --white: #ffffff;
  --off-white: #f8f9fc;
  --gray-100: #eef1f7;
  --gray-200: #d1d9e6;
  --gray-400: #8a97b1;
  --gray-600: #4a5672;
  --text-dark: #0a1628;
  --text-body: #334060;
  --glass: rgba(255,255,255,0.07);
  --glass-border: rgba(255,255,255,0.12);
  --shadow-sm: 0 4px 20px rgba(10,22,40,0.15);
  --shadow-md: 0 8px 40px rgba(10,22,40,0.2);
  --shadow-lg: 0 20px 60px rgba(10,22,40,0.3);
  --transition: 0.35s cubic-bezier(0.4,0,0.2,1);
}

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

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

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

/* ======================== TYPOGRAPHY ======================== */
h1,h2,h3,h4,h5 { font-family: 'Cormorant Garamond', serif; line-height: 1.2; color: var(--text-dark); }
h1 { font-size: clamp(2.8rem, 5vw, 5rem); font-weight: 700; }
h2 { font-size: clamp(2rem, 3.5vw, 3.2rem); font-weight: 700; }
h3 { font-size: clamp(1.3rem, 2vw, 1.8rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; font-family: 'DM Sans', sans-serif; }

.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 6px 16px;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 50px;
  margin-bottom: 1rem;
  background: rgba(201,168,76,0.07);
}

/* ======================== UTILITIES ======================== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; border-radius: 8px;
  font-family: 'DM Sans', sans-serif; font-size: 0.95rem; font-weight: 600;
  cursor: pointer; border: none; text-decoration: none;
  transition: var(--transition); white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(201,168,76,0.4);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(201,168,76,0.55); }
.btn-outline {
  background: transparent; color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.4);
  backdrop-filter: blur(10px);
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,0.08); }
.btn-dark {
  background: var(--deep-blue); color: var(--white);
  box-shadow: var(--shadow-sm);
}
.btn-dark:hover { background: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* ======================== NAVBAR ======================== */
#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 20px 0;
  transition: all 0.4s ease;
}
#navbar.scrolled {
  background: rgba(10,22,40,0.96);
  backdrop-filter: blur(20px);
  padding: 12px 0;
  box-shadow: 0 2px 30px rgba(0,0,0,0.3);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; }
.logo {
  display: flex; align-items: center; gap: 12px;
  text-decoration: none;
}
.logo-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--navy); font-weight: 900;
  box-shadow: 0 4px 15px rgba(201,168,76,0.4);
}
.logo-text { font-family: 'Cormorant Garamond', serif; }
.logo-text .line1 { display: block; font-size: 1.15rem; font-weight: 700; color: var(--white); letter-spacing: 0.02em; }
.logo-text .line2 { display: block; font-size: 0.65rem; color: var(--gold); letter-spacing: 0.14em; text-transform: uppercase; }

.nav-links { display: flex; align-items: center; gap: 2rem; list-style: none; }
.nav-links a {
  color: rgba(255,255,255,0.75); font-size: 0.9rem; font-weight: 500;
  text-decoration: none; transition: color 0.3s;
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0; height: 1.5px;
  background: var(--gold); transform: scaleX(0); transition: transform 0.3s;
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { transform: scaleX(1); }

.nav-right { display: flex; align-items: center; gap: 12px; }
.nav-login {
  color: rgba(255,255,255,0.75); font-size: 0.9rem; font-weight: 500;
  text-decoration: none; transition: color 0.3s;
}
.nav-login:hover { color: var(--gold); }

.hamburger {
  display: none; flex-direction: column; gap: 5px; cursor: pointer;
  background: none; border: none; padding: 4px;
}
.hamburger span { display: block; width: 26px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }

.mobile-menu {
  display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--navy); z-index: 999; flex-direction: column;
  align-items: center; justify-content: center; gap: 2rem;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: var(--white); font-size: 1.4rem; font-family: 'Cormorant Garamond', serif;
  text-decoration: none; font-weight: 600; transition: color 0.3s;
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-close {
  position: absolute; top: 24px; right: 24px;
  background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer;
}

/* ======================== HERO ======================== */
#hero {
  min-height: 100vh;
  background: linear-gradient(145deg, #040d1e 0%, #0a1628 35%, #0d2147 65%, #1a1040 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center; padding: 120px 0 80px;
}

.hero-bg-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-orb {
  position: absolute; border-radius: 50%;
  filter: blur(80px); pointer-events: none;
}
.hero-orb-1 { width: 600px; height: 600px; background: rgba(37,99,235,0.25); top: -200px; right: -100px; animation: floatOrb 8s ease-in-out infinite; }
.hero-orb-2 { width: 400px; height: 400px; background: rgba(201,168,76,0.12); bottom: -100px; left: -50px; animation: floatOrb 10s ease-in-out infinite reverse; }
.hero-orb-3 { width: 300px; height: 300px; background: rgba(26,58,110,0.4); top: 50%; left: 50%; transform: translate(-50%,-50%); animation: floatOrb 12s ease-in-out infinite; }

@keyframes floatOrb { 0%,100% { transform: translate(0,0); } 50% { transform: translate(-30px, 30px); } }

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

.hero-content { position: relative; z-index: 2; }
.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.3);
  border-radius: 50px; padding: 8px 20px; margin-bottom: 1.5rem;
  color: var(--gold-light); font-size: 0.82rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  animation: fadeSlideUp 0.8s ease both;
}
.hero-tag::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.5; transform: scale(1.5); } }

.hero-title { color: var(--white); margin-bottom: 1.5rem; animation: fadeSlideUp 0.8s 0.1s ease both; }
.hero-title span { color: var(--gold); display: block; }

.hero-subtitle {
  color: rgba(255,255,255,0.65); font-size: 1.1rem; max-width: 480px;
  margin-bottom: 2.5rem; line-height: 1.7;
  animation: fadeSlideUp 0.8s 0.2s ease both;
}

.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 3rem; animation: fadeSlideUp 0.8s 0.3s ease both; }

.hero-stats { display: flex; gap: 40px; animation: fadeSlideUp 0.8s 0.4s ease both; }
.hero-stat-item { }
.hero-stat-num { font-family: 'Cormorant Garamond', serif; font-size: 2rem; font-weight: 700; color: var(--white); line-height: 1; }
.hero-stat-num span { color: var(--gold); }
.hero-stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.5); letter-spacing: 0.05em; }

/* Hero Visual */
.hero-visual { position: relative; z-index: 2; animation: fadeSlideUp 0.8s 0.2s ease both; }
.hero-card-main {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(20px);
  border-radius: 24px; padding: 32px;
  position: relative;
}
.credit-score-ring { text-align: center; margin-bottom: 24px; }
.ring-svg { width: 160px; height: 160px; }
.ring-svg circle { fill: none; stroke-width: 12; }
.ring-bg { stroke: rgba(255,255,255,0.1); }
.ring-fill { stroke: url(#goldGrad); stroke-linecap: round; stroke-dasharray: 440; stroke-dashoffset: 88; animation: ringFill 2s ease forwards; }
@keyframes ringFill { from { stroke-dashoffset: 440; } to { stroke-dashoffset: 88; } }
.ring-label { font-size: 0.7rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.1em; }
.ring-value { font-family: 'Cormorant Garamond', serif; font-size: 2.8rem; font-weight: 700; color: var(--white); line-height: 1; }
.ring-status { color: var(--gold-light); font-size: 0.8rem; font-weight: 600; }

.hero-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.metric-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px; padding: 16px;
}
.metric-icon { font-size: 1.2rem; margin-bottom: 8px; }
.metric-label { font-size: 0.72rem; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.08em; }
.metric-val { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: var(--white); }
.metric-change { font-size: 0.72rem; color: #4ade80; }

/* Floating icons */
.float-icons { position: absolute; inset: 0; pointer-events: none; }
.float-icon {
  position: absolute; width: 48px; height: 48px;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px; display: flex; align-items: center; justify-content: center;
  color: var(--gold-light); font-size: 1.1rem; backdrop-filter: blur(10px);
  animation: floatIcon 4s ease-in-out infinite;
}
.fi-1 { top: 10%; left: -8%; animation-delay: 0s; }
.fi-2 { top: 40%; right: -5%; animation-delay: 1s; }
.fi-3 { bottom: 20%; left: -5%; animation-delay: 2s; }
.fi-4 { top: -5%; right: 20%; animation-delay: 0.5s; }
@keyframes floatIcon { 0%,100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(-12px) rotate(5deg); } }

/* ======================== ABOUT ======================== */
#about { padding: 120px 0; background: var(--off-white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-visual { position: relative; }
.about-img-wrap {
  border-radius: 24px; overflow: hidden;
  background: linear-gradient(135deg, var(--deep-blue), var(--blue));
  padding: 40px; aspect-ratio: 4/3;
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.about-chart {
  width: 100%; height: 100%;
  position: absolute; inset: 0;
  display: flex; align-items: flex-end; justify-content: center;
  padding: 40px 40px 60px;
  gap: 12px;
}
.about-bar {
  flex: 1; border-radius: 8px 8px 0 0;
  background: linear-gradient(180deg, var(--gold-light), var(--gold));
  opacity: 0.85; animation: barGrow 1.5s ease both;
  max-width: 50px;
}
.about-bar:nth-child(1) { height: 40%; animation-delay: 0.1s; }
.about-bar:nth-child(2) { height: 65%; animation-delay: 0.2s; }
.about-bar:nth-child(3) { height: 55%; animation-delay: 0.3s; }
.about-bar:nth-child(4) { height: 80%; animation-delay: 0.4s; }
.about-bar:nth-child(5) { height: 70%; animation-delay: 0.5s; }
.about-bar:nth-child(6) { height: 90%; animation-delay: 0.6s; opacity: 1; }
@keyframes barGrow { from { transform: scaleY(0); transform-origin: bottom; } to { transform: scaleY(1); } }
.about-chart-label {
  position: absolute; bottom: 24px; color: rgba(255,255,255,0.5); font-size: 0.75rem; letter-spacing: 0.1em;
}
.about-badge {
  position: absolute; top: -20px; right: -20px;
  background: var(--navy); border: 2px solid var(--gold);
  border-radius: 20px; padding: 16px 24px;
  box-shadow: var(--shadow-md);
}
.about-badge-num { font-family: 'Cormorant Garamond', serif; font-size: 2rem; font-weight: 700; color: var(--gold); }
.about-badge-text { font-size: 0.72rem; color: rgba(255,255,255,0.6); }

.about-content h2 { margin-bottom: 1rem; }
.about-content p { color: var(--text-body); line-height: 1.8; margin-bottom: 2rem; }

.about-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 2.5rem; }
.about-stat-card {
  padding: 24px; border-radius: 16px;
  background: var(--white); border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.about-stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.about-stat-num { font-family: 'Cormorant Garamond', serif; font-size: 2.2rem; font-weight: 700; color: var(--deep-blue); line-height: 1; }
.about-stat-num span { color: var(--gold); }
.about-stat-label { font-size: 0.82rem; color: var(--gray-600); margin-top: 4px; }

/* ======================== WHY CHOOSE US ======================== */
#why { padding: 120px 0; background: var(--white); }
.section-header { text-align: center; max-width: 600px; margin: 0 auto 60px; }
.section-header h2 { margin-bottom: 1rem; }
.section-header p { color: var(--gray-600); font-size: 1.05rem; }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card {
  padding: 36px 28px; border-radius: 20px;
  border: 1px solid var(--gray-200); background: var(--white);
  transition: var(--transition); position: relative; overflow: hidden;
}
.why-card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--deep-blue), var(--blue));
  opacity: 0; transition: var(--transition);
}
.why-card:hover { border-color: transparent; transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.why-card:hover::before { opacity: 1; }
.why-card:hover .why-icon { background: rgba(201,168,76,0.2); color: var(--gold-light); }
.why-card:hover h4 { color: var(--white); }
.why-card:hover p { color: rgba(255,255,255,0.65); }
.why-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--gray-100); display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: var(--mid-blue); margin-bottom: 20px;
  transition: var(--transition); position: relative; z-index: 1;
}
.why-card h4 { margin-bottom: 10px; transition: var(--transition); position: relative; z-index: 1; }
.why-card p { font-size: 0.9rem; color: var(--gray-600); line-height: 1.7; transition: var(--transition); position: relative; z-index: 1; }

/* ======================== SERVICES ======================== */
#services { padding: 120px 0; background: var(--navy); }
#services .section-header h2 { color: var(--white); }
#services .section-header p { color: rgba(255,255,255,0.5); }

.services-tabs {
  display: flex; gap: 8px; flex-wrap: wrap; justify-content: center;
  margin-bottom: 48px;
}
.tab-btn {
  padding: 10px 24px; border-radius: 50px; border: 1px solid rgba(255,255,255,0.15);
  background: transparent; color: rgba(255,255,255,0.6);
  font-family: 'DM Sans', sans-serif; font-size: 0.88rem; font-weight: 500;
  cursor: pointer; transition: var(--transition);
}
.tab-btn.active, .tab-btn:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); border-color: transparent; font-weight: 600;
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 18px; padding: 28px 22px;
  transition: var(--transition); cursor: default;
  backdrop-filter: blur(10px);
}
.service-card:hover {
  background: rgba(255,255,255,0.09); border-color: rgba(201,168,76,0.4);
  transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.3);
}
.service-icon {
  width: 50px; height: 50px; border-radius: 12px;
  background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: var(--gold-light); margin-bottom: 16px;
  transition: var(--transition);
}
.service-card:hover .service-icon { background: rgba(201,168,76,0.2); }
.service-card h4 { color: var(--white); margin-bottom: 8px; font-size: 1rem; }
.service-card p { font-size: 0.83rem; color: rgba(255,255,255,0.45); line-height: 1.6; }

/* ======================== TESTIMONIALS ======================== */
#testimonials { padding: 120px 0; background: var(--off-white); }

.testimonial-slider { position: relative; overflow: hidden; }
.testimonial-track { display: flex; transition: transform 0.6s cubic-bezier(0.4,0,0.2,1); }
.testimonial-card {
  min-width: calc(33.333% - 16px);
  margin-right: 24px;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 24px; padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.stars { color: var(--gold); font-size: 0.9rem; margin-bottom: 16px; }
.testimonial-text { font-size: 0.95rem; line-height: 1.8; color: var(--text-body); margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif; font-size: 1.2rem; font-weight: 700; color: var(--white);
}
.author-name { font-weight: 600; font-size: 0.95rem; color: var(--text-dark); }
.author-role { font-size: 0.78rem; color: var(--gray-400); }

.slider-controls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 40px; }
.slider-btn {
  width: 44px; height: 44px; border-radius: 50%; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  background: var(--white); border: 1.5px solid var(--gray-200);
  color: var(--deep-blue); font-size: 1rem; transition: var(--transition);
}
.slider-btn:hover { background: var(--deep-blue); color: var(--white); border-color: var(--deep-blue); }
.slider-dots { display: flex; gap: 8px; }
.dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gray-200); cursor: pointer; transition: var(--transition);
}
.dot.active { background: var(--deep-blue); width: 24px; border-radius: 4px; }

/* ======================== FAQ ======================== */
#faq { padding: 120px 0; background: var(--white); }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.faq-content h2 { margin-bottom: 1rem; }
.faq-content p { color: var(--gray-600); margin-bottom: 2rem; }
.faq-list { max-width: 620px; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  width: 100%; text-align: left; padding: 22px 0;
  background: none; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 600; color: var(--text-dark);
  transition: color 0.3s;
}
.faq-question:hover { color: var(--mid-blue); }
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--gray-100); display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 0.8rem; color: var(--deep-blue); transition: var(--transition);
}
.faq-item.open .faq-icon { background: var(--deep-blue); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.4s ease;
}
.faq-item.open .faq-answer { max-height: 200px; padding-bottom: 20px; }
.faq-answer p { font-size: 0.92rem; color: var(--gray-600); line-height: 1.7; }

/* ======================== CONTACT ======================== */
#contact { padding: 120px 0; background: var(--off-white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 80px; align-items: start; }
.contact-info h2 { margin-bottom: 1rem; }
.contact-info p { color: var(--gray-600); margin-bottom: 2.5rem; }
.contact-items { display: flex; flex-direction: column; gap: 24px; }
.contact-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-icon {
  width: 48px; height: 48px; border-radius: 12px; flex-shrink: 0;
  background: var(--white); border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--mid-blue); box-shadow: var(--shadow-sm);
}
.contact-text label { display: block; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-400); margin-bottom: 4px; }
.contact-text span { font-weight: 600; color: var(--text-dark); }

.contact-form-wrap {
  background: var(--white); border-radius: 24px; padding: 48px;
  box-shadow: var(--shadow-md); border: 1px solid var(--gray-200);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-dark); margin-bottom: 8px; }
.form-control {
  width: 100%; padding: 14px 18px; border-radius: 10px;
  border: 1.5px solid var(--gray-200); background: var(--off-white);
  font-family: 'DM Sans', sans-serif; font-size: 0.92rem; color: var(--text-dark);
  transition: var(--transition); outline: none;
}
.form-control:focus { border-color: var(--mid-blue); background: var(--white); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); }
.form-control::placeholder { color: var(--gray-400); }
select.form-control { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 120px; }

.form-success {
  display: none; text-align: center; padding: 24px;
  background: rgba(74,222,128,0.08); border: 1px solid rgba(74,222,128,0.3);
  border-radius: 12px; margin-top: 16px;
}
.form-success.show { display: block; animation: fadeSlideUp 0.4s ease; }
.form-success i { font-size: 2rem; color: #4ade80; margin-bottom: 8px; }
.form-success p { color: var(--text-dark); font-weight: 500; }

/* ======================== NEWSLETTER ======================== */
#newsletter {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--deep-blue) 100%);
  position: relative; overflow: hidden;
}
#newsletter::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.1) 0%, transparent 60%);
}
.newsletter-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.newsletter-text h2 { color: var(--white); margin-bottom: 1rem; }
.newsletter-text p { color: rgba(255,255,255,0.6); }
.newsletter-form .form-control { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.12); color: var(--white); }
.newsletter-form .form-control::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form .form-control:focus { border-color: var(--gold); background: rgba(255,255,255,0.1); }
.newsletter-form label { color: rgba(255,255,255,0.7); }
.newsletter-check { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 20px; }
.newsletter-check input[type="checkbox"] { margin-top: 3px; accent-color: var(--gold); }
.newsletter-check span { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.newsletter-success {
  display: none; text-align: center; padding: 20px;
  background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.3);
  border-radius: 12px; margin-top: 12px;
}
.newsletter-success.show { display: block; animation: fadeSlideUp 0.4s ease; }
.newsletter-success p { color: var(--gold-light); font-weight: 500; }

/* ======================== FOOTER ======================== */
footer {
  background: #04080f; color: rgba(255,255,255,0.5);
  padding: 80px 0 32px;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 60px; margin-bottom: 60px; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; margin: 16px 0 24px; max-width: 280px; }
.social-links { display: flex; gap: 12px; }
.social-link {
  width: 38px; height: 38px; border-radius: 10px;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5); font-size: 0.95rem; text-decoration: none;
  transition: var(--transition);
}
.social-link:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.footer-col h5 { color: var(--white); font-family: 'DM Sans', sans-serif; font-size: 0.88rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 20px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,0.45); font-size: 0.88rem; text-decoration: none; transition: color 0.3s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07); padding-top: 32px;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 0.83rem; }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { color: rgba(255,255,255,0.45); font-size: 0.83rem; text-decoration: none; transition: color 0.3s; }
.footer-legal a:hover { color: var(--gold); }

/* ======================== MODAL ======================== */
.modal-overlay {
  display: none; position: fixed; inset: 0; z-index: 2000;
  background: rgba(4,8,15,0.8); backdrop-filter: blur(8px);
  align-items: center; justify-content: center; padding: 24px;
}
.modal-overlay.open { display: flex; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal {
  background: var(--white); border-radius: 24px; max-width: 720px; width: 100%;
  max-height: 80vh; overflow-y: auto; padding: 48px;
  animation: slideUp 0.3s ease;
}
@keyframes slideUp { from { transform: translateY(30px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.modal-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 24px; }
.modal-header h3 { font-size: 1.6rem; }
.modal-close {
  width: 36px; height: 36px; border-radius: 50%; border: none; cursor: pointer;
  background: var(--gray-100); color: var(--text-dark); font-size: 1rem;
  display: flex; align-items: center; justify-content: center; transition: var(--transition);
}
.modal-close:hover { background: var(--text-dark); color: var(--white); }
.modal-body p { font-size: 0.92rem; line-height: 1.8; color: var(--text-body); margin-bottom: 16px; }
.modal-body h4 { font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 700; margin: 24px 0 8px; color: var(--text-dark); }

/* ======================== ANIMATIONS ======================== */
@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
.reveal { opacity: 0; transform: translateY(40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ======================== SCROLL TO TOP ======================== */
#scrollTop {
  position: fixed; bottom: 32px; right: 32px; z-index: 900;
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; box-shadow: 0 4px 20px rgba(201,168,76,0.5);
  opacity: 0; pointer-events: none; transform: translateY(10px);
  transition: var(--transition);
}
#scrollTop.visible { opacity: 1; pointer-events: all; transform: translateY(0); }
#scrollTop:hover { transform: translateY(-3px); }

/* ======================== RESPONSIVE ======================== */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 60px; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .newsletter-inner { grid-template-columns: 1fr; gap: 40px; }
  .faq-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-right { display: none; }
  .hamburger { display: flex; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .about-stats { grid-template-columns: 1fr 1fr; }
  .testimonial-card { min-width: calc(100% - 0px); margin-right: 0; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 32px 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { gap: 24px; }
  .modal { padding: 32px 24px; }
}
@media (max-width: 480px) {
  .why-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .services-tabs { flex-direction: column; align-items: center; }
}