/* ==========================================
   PRESTAMOS.EC — Main Stylesheet
   ========================================== */

/* --- Variables --- */
:root {
  --primary:        #0A2540;
  --primary-light:  #1a3a5c;
  --secondary:      #00B37E;
  --secondary-dark: #009668;
  --accent:         #FF6B35;
  --accent-dark:    #e55a24;
  --bg-light:       #F4F7FB;
  --bg-white:       #FFFFFF;
  --text-dark:      #1A202C;
  --text-medium:    #4A5568;
  --text-light:     #718096;
  --border:         #E2E8F0;
  --shadow-sm:      0 1px 4px rgba(10,37,64,.08);
  --shadow-md:      0 4px 20px rgba(10,37,64,.12);
  --shadow-lg:      0 12px 48px rgba(10,37,64,.16);
  --radius-sm:      8px;
  --radius-md:      14px;
  --radius-lg:      22px;
  --radius-xl:      40px;
  --transition:     0.3s ease;
  --container:      1200px;
  --container-sm:   900px;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Poppins', sans-serif;
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
ul { list-style: none; }
h1,h2,h3,h4,h5 { line-height: 1.25; font-weight: 700; }

/* --- Utility --- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.container-sm { max-width: var(--container-sm); margin: 0 auto; padding: 0 20px; }
.section { padding: 90px 0; }
.section-alt { background: var(--bg-light); }
.text-center { text-align: center; }
.text-green { color: var(--secondary); }
.text-orange { color: var(--accent); }
.badge {
  display: inline-block;
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: .6px;
  text-transform: uppercase;
}
.badge-green { background: rgba(0,179,126,.12); color: var(--secondary-dark); }
.badge-orange { background: rgba(255,107,53,.12); color: var(--accent-dark); }
.badge-blue  { background: rgba(10,37,64,.08); color: var(--primary); }

/* --- Section Header --- */
.section-header { margin-bottom: 56px; }
.section-header .badge { margin-bottom: 16px; }
.section-header h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); color: var(--primary); margin-bottom: 16px; }
.section-header p  { font-size: 1.05rem; color: var(--text-medium); max-width: 640px; }
.section-header.text-center p { margin: 0 auto; }

/* ==========================================
   BUTTONS
   ========================================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-xl);
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
  box-shadow: 0 4px 20px rgba(255,107,53,.35);
}
.btn-primary:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(255,107,53,.45);
}
.btn-secondary {
  background: var(--secondary);
  color: #fff;
  border-color: var(--secondary);
  box-shadow: 0 4px 20px rgba(0,179,126,.3);
}
.btn-secondary:hover {
  background: var(--secondary-dark);
  border-color: var(--secondary-dark);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-white {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
  box-shadow: 0 4px 20px rgba(0,0,0,.15);
}
.btn-white:hover { background: var(--bg-light); transform: translateY(-2px); }
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }
.btn-block { width: 100%; justify-content: center; }

/* ==========================================
   NAVBAR
   ========================================== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(10,37,64,.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,.08);
  transition: all var(--transition);
}
.navbar.scrolled {
  background: rgba(10,37,64,1);
  box-shadow: var(--shadow-md);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo .logo-icon {
  width: 38px; height: 38px;
  background: var(--secondary);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; font-weight: 800; color: #fff;
}
.nav-logo .logo-text { font-size: 1.25rem; font-weight: 700; color: #fff; }
.nav-logo .logo-text span { color: var(--secondary); }
.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-links a {
  color: rgba(255,255,255,.85);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,.1); }
.nav-cta { margin-left: 8px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ==========================================
   HERO
   ========================================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #0A2540 0%, #0d3361 50%, #0a4f7a 100%);
  overflow: hidden;
  padding-top: 72px;
}
.hero::before {
  content: '';
  position: absolute;
  top: -30%; right: -10%;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(0,179,126,.18) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -20%; left: -5%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(255,107,53,.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 80px 0;
}
.hero-content { color: #fff; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,179,126,.2);
  border: 1px solid rgba(0,179,126,.4);
  color: #5effd4;
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 24px;
  letter-spacing: .5px;
}
.hero-badge::before { content:'●'; font-size:0.5rem; color: var(--secondary); }
.hero-content h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  line-height: 1.15;
  margin-bottom: 22px;
}
.hero-content h1 span { color: var(--secondary); }
.hero-content p {
  font-size: 1.1rem;
  color: rgba(255,255,255,.8);
  margin-bottom: 36px;
  max-width: 500px;
}
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 40px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.15);
}
.hero-stat strong {
  display: block;
  font-size: 1.6rem;
  color: var(--secondary);
  font-weight: 800;
}
.hero-stat span { font-size: 0.82rem; color: rgba(255,255,255,.65); }

/* Hero Form Card */
.hero-form-card {
  background: rgba(255,255,255,.98);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  box-shadow: var(--shadow-lg);
}
.hero-form-card h3 {
  font-size: 1.35rem;
  color: var(--primary);
  margin-bottom: 6px;
}
.hero-form-card p {
  font-size: 0.9rem;
  color: var(--text-medium);
  margin-bottom: 28px;
}

/* ==========================================
   FORMS
   ========================================== */
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 7px;
}
.form-group label span { color: #e53e3e; }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Poppins', sans-serif;
  font-size: 0.92rem;
  color: var(--text-dark);
  background: var(--bg-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--secondary);
  box-shadow: 0 0 0 3px rgba(0,179,126,.15);
}
.form-control::placeholder { color: var(--text-light); }
select.form-control { cursor: pointer; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-note {
  font-size: 0.78rem;
  color: var(--text-light);
  text-align: center;
  margin-top: 12px;
}
.form-note a { color: var(--secondary); }

/* ==========================================
   TRUST BAR
   ========================================== */
.trust-bar {
  background: var(--primary);
  padding: 28px 0;
}
.trust-bar-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  align-items: center;
  gap: 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,.85);
}
.trust-item .trust-icon {
  width: 44px; height: 44px;
  background: rgba(0,179,126,.2);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.trust-item strong { display: block; color: #fff; font-size: 0.9rem; }
.trust-item span { font-size: 0.8rem; color: rgba(255,255,255,.6); }

/* ==========================================
   LOAN TYPES
   ========================================== */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
}
.loan-card {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--secondary);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover {
  border-color: var(--secondary);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.loan-card.featured {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: #fff;
  border-color: transparent;
}
.loan-card.featured::before { background: var(--secondary); }
.loan-icon {
  width: 56px; height: 56px;
  background: rgba(0,179,126,.12);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
}
.loan-card.featured .loan-icon { background: rgba(255,255,255,.15); }
.loan-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.loan-card.featured h3 { color: #fff; }
.loan-card p { font-size: 0.88rem; color: var(--text-medium); margin-bottom: 20px; }
.loan-card.featured p { color: rgba(255,255,255,.75); }
.loan-meta { display: flex; gap: 16px; flex-wrap: wrap; }
.loan-meta-item { font-size: 0.8rem; }
.loan-meta-item strong { display: block; color: var(--secondary); font-size: 1rem; }
.loan-card.featured .loan-meta-item strong { color: #5effd4; }
.loan-meta-item span { color: var(--text-light); }
.loan-card.featured .loan-meta-item span { color: rgba(255,255,255,.6); }

/* ==========================================
   BENEFITS / HOW IT WORKS
   ========================================== */
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.benefits-list { display: flex; flex-direction: column; gap: 24px; }
.benefit-item { display: flex; gap: 18px; align-items: flex-start; }
.benefit-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  box-shadow: 0 6px 20px rgba(0,179,126,.3);
}
.benefit-item h4 { font-size: 1rem; color: var(--primary); margin-bottom: 4px; }
.benefit-item p  { font-size: 0.88rem; color: var(--text-medium); }
.benefits-visual {
  position: relative;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: #fff;
  overflow: hidden;
}
.benefits-visual::after {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  background: rgba(0,179,126,.15);
  border-radius: 50%;
}
.benefits-visual h3 { font-size: 1.4rem; margin-bottom: 28px; position: relative; z-index:1; }
.rate-display { position: relative; z-index:1; }
.rate-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.rate-item:last-child { border-bottom: none; }
.rate-item .type { font-size: 0.9rem; color: rgba(255,255,255,.8); }
.rate-item .rate { font-size: 1.1rem; font-weight: 700; color: var(--secondary); }

/* Steps */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px; left: 10%; right: 10%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step-card {
  text-align: center;
  padding: 32px 24px;
  position: relative;
  z-index: 1;
}
.step-number {
  width: 72px; height: 72px;
  background: var(--bg-white);
  border: 3px solid var(--secondary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
  position: relative;
}
.step-card h3 { font-size: 1.05rem; color: var(--primary); margin-bottom: 10px; }
.step-card p  { font-size: 0.88rem; color: var(--text-medium); }

/* ==========================================
   CALCULATOR
   ========================================== */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.calc-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--border);
}
.calc-card h3 { font-size: 1.3rem; color: var(--primary); margin-bottom: 28px; }
.range-group { margin-bottom: 28px; }
.range-group label {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.range-group label span {
  color: var(--secondary);
  font-size: 1rem;
  font-weight: 700;
}
input[type="range"] {
  width: 100%;
  accent-color: var(--secondary);
  height: 6px;
  cursor: pointer;
}
.calc-result {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-md);
  padding: 36px;
  color: #fff;
}
.calc-result h4 { font-size: 1rem; color: rgba(255,255,255,.7); margin-bottom: 8px; }
.calc-result .monthly { font-size: 2.6rem; font-weight: 800; color: var(--secondary); margin-bottom: 28px; }
.calc-result .monthly span { font-size: 1rem; font-weight: 400; color: rgba(255,255,255,.6); }
.calc-details { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.calc-detail-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
  font-size: 0.9rem;
}
.calc-detail-row:last-child { border-bottom: none; }
.calc-detail-row span:last-child { font-weight: 600; color: var(--secondary); }

/* ==========================================
   TESTIMONIALS
   ========================================== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.testimonial-card {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.stars { color: #F6AD55; font-size: 1.1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card blockquote {
  font-size: 0.92rem;
  color: var(--text-medium);
  font-style: italic;
  margin-bottom: 20px;
  line-height: 1.7;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  color: #fff;
  font-size: 1rem;
  flex-shrink: 0;
}
.author-info strong { display: block; font-size: 0.9rem; color: var(--primary); }
.author-info span  { font-size: 0.8rem; color: var(--text-light); }

/* ==========================================
   CONTACT SECTION
   ========================================== */
.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}
.contact-info h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--primary); margin-bottom: 16px; }
.contact-info p  { color: var(--text-medium); margin-bottom: 36px; font-size: 0.95rem; }
.contact-channels { display: flex; flex-direction: column; gap: 20px; }
.contact-channel { display: flex; gap: 14px; align-items: flex-start; }
.channel-icon {
  width: 46px; height: 46px;
  background: rgba(0,179,126,.12);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-channel strong { display: block; font-size: 0.9rem; color: var(--primary); }
.contact-channel span  { font-size: 0.85rem; color: var(--text-medium); }
.contact-form-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--border);
}
.contact-form-card h3 { font-size: 1.3rem; color: var(--primary); margin-bottom: 28px; }

/* ==========================================
   ARTICLES / NEWS
   ========================================== */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 28px;
}
.article-card {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.article-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.article-thumb {
  height: 200px;
  background: linear-gradient(135deg, var(--primary) 0%, #1a6fa8 100%);
  display: flex; align-items: center; justify-content: center;
  font-size: 3.5rem;
  flex-shrink: 0;
}
.article-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.article-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.article-category {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--secondary-dark);
  background: rgba(0,179,126,.1);
  padding: 3px 10px;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.article-date { font-size: 0.78rem; color: var(--text-light); }
.article-card h3 {
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 10px;
  line-height: 1.4;
}
.article-card p {
  font-size: 0.88rem;
  color: var(--text-medium);
  flex: 1;
  margin-bottom: 20px;
}
.article-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--secondary-dark);
  transition: gap var(--transition);
}
.article-link:hover { gap: 10px; }

/* Full article */
.article-full { max-width: 800px; margin: 0 auto; }
.article-full-header { padding: 60px 0 40px; }
.article-full-header .article-meta { margin-bottom: 20px; }
.article-full-header h1 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); color: var(--primary); margin-bottom: 20px; }
.article-full-header .article-excerpt {
  font-size: 1.1rem;
  color: var(--text-medium);
  border-left: 4px solid var(--secondary);
  padding-left: 20px;
}
.article-content { line-height: 1.9; color: var(--text-medium); }
.article-content h2 { font-size: 1.4rem; color: var(--primary); margin: 36px 0 16px; }
.article-content p { margin-bottom: 18px; }
.article-content ul { margin: 0 0 18px 20px; list-style: disc; }
.article-content ul li { margin-bottom: 8px; }
.article-content strong { color: var(--text-dark); }

/* ==========================================
   FAQ
   ========================================== */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item:hover { border-color: var(--secondary); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--primary);
  transition: background var(--transition);
  user-select: none;
}
.faq-question:hover { background: var(--bg-light); }
.faq-question.active { background: var(--bg-light); }
.faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(0,179,126,.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  color: var(--secondary-dark);
  flex-shrink: 0;
  transition: transform var(--transition);
}
.faq-question.active .faq-icon { transform: rotate(45deg); }
.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s ease;
  font-size: 0.92rem;
  color: var(--text-medium);
}
.faq-answer.open { max-height: 300px; padding: 0 24px 20px; }

/* ==========================================
   CTA BANNER
   ========================================== */
.cta-banner {
  background: linear-gradient(135deg, var(--secondary) 0%, var(--secondary-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 60px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
  overflow: hidden;
  position: relative;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -50px; right: -50px;
  width: 250px; height: 250px;
  background: rgba(255,255,255,.1);
  border-radius: 50%;
}
.cta-banner h2 { font-size: clamp(1.4rem, 3vw, 2rem); color: #fff; margin-bottom: 10px; }
.cta-banner p  { color: rgba(255,255,255,.85); font-size: 1rem; }

/* ==========================================
   FOOTER
   ========================================== */
.footer {
  background: var(--primary);
  color: rgba(255,255,255,.8);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,.6); margin: 16px 0 24px; max-width: 300px; }
.footer-social { display: flex; gap: 12px; }
.social-btn {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem;
  color: rgba(255,255,255,.8);
  transition: all var(--transition);
}
.social-btn:hover { background: var(--secondary); color: #fff; }
.footer-col h4 { font-size: 0.95rem; color: #fff; margin-bottom: 20px; font-weight: 600; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,.6);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--secondary); }
.footer-contact-info { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-item { display: flex; gap: 10px; align-items: flex-start; font-size: 0.85rem; }
.footer-contact-item .icon { color: var(--secondary); margin-top: 2px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,.5); }
.footer-bottom a { color: var(--secondary); }
.footer-links { display: flex; gap: 20px; }
.footer-links a { font-size: 0.82rem; color: rgba(255,255,255,.5); transition: color var(--transition); }
.footer-links a:hover { color: rgba(255,255,255,.8); }

/* ==========================================
   PAGE HEADER
   ========================================== */
.page-header {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  padding: 120px 0 70px;
  color: #fff;
}
.page-header h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); margin-bottom: 14px; }
.page-header p { font-size: 1.05rem; color: rgba(255,255,255,.75); max-width: 600px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; margin-bottom: 20px; font-size: 0.85rem; color: rgba(255,255,255,.6); }
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: var(--secondary); }
.breadcrumb span { color: rgba(255,255,255,.35); }

/* ==========================================
   NOTIFICATIONS
   ========================================== */
.toast {
  position: fixed;
  bottom: 30px;
  right: 30px;
  background: var(--primary);
  color: #fff;
  padding: 16px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  font-size: 0.9rem;
  font-weight: 500;
  z-index: 9999;
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.4s cubic-bezier(.68,-.55,.27,1.55);
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 380px;
}
.toast.show { transform: translateY(0); opacity: 1; }
.toast.success { background: var(--secondary-dark); }
.toast.error   { background: #e53e3e; }

/* Loader */
.btn-loading { pointer-events: none; opacity: .7; }
.btn-loading::after {
  content: '';
  display: inline-block;
  width: 16px; height: 16px;
  border: 2px solid rgba(255,255,255,.4);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .7s linear infinite;
  margin-left: 6px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* Scroll-reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ==========================================
   RESPONSIVE
   ========================================== */

/* --- Tablet landscape (≤1024px) --- */
@media (max-width: 1024px) {
  .hero-grid          { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .hero-content p     { margin: 0 auto 36px; }
  .hero-stats         { justify-content: center; }
  .benefits-grid      { grid-template-columns: 1fr; }
  .calculator-wrapper { grid-template-columns: 1fr; }
  .contact-wrapper    { grid-template-columns: 1fr; }
  .footer-grid        { grid-template-columns: 1fr 1fr; }
}

/* --- Mobile (≤768px) --- */
@media (max-width: 768px) {
  .section            { padding: 56px 0; }
  .section-header     { margin-bottom: 36px; }

  /* Navbar */
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .mobile-menu {
    position: fixed;
    top: 72px; left: 0; right: 0; bottom: 0;
    background: var(--primary);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 16px;
    transform: translateX(-100%);
    transition: transform var(--transition);
    z-index: 999;
    overflow-y: auto;
    padding: 20px;
  }
  .mobile-menu.open { transform: translateX(0); }
  .mobile-menu a {
    color: rgba(255,255,255,.85);
    font-size: 1.1rem;
    font-weight: 500;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
    width: 100%;
    text-align: center;
  }
  .mobile-menu a:hover { color: #fff; background: rgba(255,255,255,.1); }

  /* Hero */
  .hero               { min-height: auto; padding-bottom: 20px; }
  .hero-grid          { padding: 48px 0 32px; gap: 36px; }
  .hero-stats         { flex-wrap: wrap; justify-content: center; flex-direction: row; gap: 20px; }
  .hero-form-card     { padding: 28px 22px; }

  /* Trust bar */
  .trust-bar-inner    { grid-template-columns: repeat(2, 1fr); gap: 16px; }

  /* Forms */
  .form-row           { grid-template-columns: 1fr; }

  /* Benefits */
  .benefits-visual    { padding: 36px 28px; }

  /* Steps */
  .steps-grid::before { display: none; }
  .steps-grid         { gap: 16px; }

  /* Calculator */
  .calc-card          { padding: 28px 24px; }
  .calc-result        { padding: 28px 24px; }

  /* Contact */
  .contact-form-card  { padding: 28px 24px; }

  /* CTA */
  .cta-banner         { flex-direction: column; text-align: center; padding: 40px 28px; gap: 24px; }
  .cta-banner .btn    { width: 100%; justify-content: center; }

  /* Footer */
  .footer-grid        { grid-template-columns: 1fr; gap: 36px; }
  .footer-bottom      { flex-direction: column; text-align: center; gap: 16px; }
  .footer-links       { flex-wrap: wrap; justify-content: center; gap: 12px; }
}

/* --- Small mobile (≤480px) --- */
@media (max-width: 480px) {
  .section            { padding: 44px 0; }
  .section-header     { margin-bottom: 28px; }

  /* Hero */
  .hero-grid          { padding: 36px 0 28px; gap: 28px; }
  .hero-stats         { gap: 14px; }
  .hero-stat strong   { font-size: 1.3rem; }
  .hero-form-card     { padding: 22px 16px; border-radius: var(--radius-md); }

  /* Trust bar: single column on very small screens */
  .trust-bar-inner    { grid-template-columns: 1fr; gap: 12px; }
  .trust-bar          { padding: 22px 0; }

  /* Buttons */
  .btn-lg             { padding: 14px 24px; font-size: .92rem; }
  .btn                { white-space: normal; text-align: center; }

  /* Cards: all single column */
  .loan-cards         { grid-template-columns: 1fr; }
  .articles-grid      { grid-template-columns: 1fr; }
  .steps-grid         { grid-template-columns: 1fr; }
  .testimonials-grid  { grid-template-columns: 1fr; }
  .loan-card          { padding: 24px 20px; }
  .step-card          { padding: 24px 20px; }

  /* Calculator */
  .calc-card          { padding: 20px 16px; }
  .calc-result        { padding: 20px 16px; }
  .calc-result .monthly { font-size: 2rem; }

  /* Contact form */
  .contact-form-card  { padding: 22px 16px; }

  /* Section header sizing */
  .section-header h2  { font-size: 1.6rem; }

  /* Footer */
  .footer-links       { flex-direction: column; align-items: center; }

  /* Benefits */
  .benefits-visual    { padding: 28px 20px; }
  .benefit-item       { gap: 12px; }
  .benefit-icon       { width: 44px; height: 44px; font-size: 1.1rem; flex-shrink: 0; }
}