/* =============================================
   DIGI-FINANCE CAMEROUN — Main Stylesheet
   Color Theme: Black / White / Red
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

/* ─── CSS Variables ─── */
:root {
  --red:        #C8102E;
  --red-dark:   #a00d24;
  --red-light:  #e8192e;
  --black:      #1A1A1A;
  --black-soft: #2a2a2a;
  --white:      #FFFFFF;
  --gray-light: #F5F5F5;
  --gray-mid:   #9a9a9a;
  --gray-border:#E0E0E0;
  --shadow:     0 4px 24px rgba(0,0,0,.12);
  --shadow-lg:  0 8px 48px rgba(0,0,0,.20);
  --radius:     8px;
  --radius-lg:  16px;
  --transition: all .3s ease;
  --font-main:  'Outfit', sans-serif;
  --font-serif: 'Playfair Display', serif;
}

/* ─── Reset & Base ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--black);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font-main); border: none; outline: none; }

/* ─── Typography ─── */
h1, h2, h3, h4, h5 { line-height: 1.25; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.25rem; }
p  { color: #444; line-height: 1.75; }

/* ─── Utility Classes ─── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section    { padding: 80px 0; }
.section-sm { padding: 50px 0; }
.text-center { text-align: center; }
.text-white  { color: var(--white) !important; }
.bg-red      { background: var(--red); }
.bg-black    { background: var(--black); }
.bg-gray     { background: var(--gray-light); }

.badge {
  display: inline-block;
  background: var(--red);
  color: var(--white);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 30px;
  margin-bottom: 12px;
}

.section-title {
  margin-bottom: 14px;
  color: var(--black);
}
.section-title span { color: var(--red); }

.section-sub {
  color: var(--gray-mid);
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0 auto 48px;
}

.divider {
  width: 60px; height: 4px;
  background: var(--red);
  margin: 16px auto 20px;
  border-radius: 2px;
}
.divider-left { margin-left: 0; }

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 32px;
  border-radius: var(--radius);
  font-size: .95rem;
  font-weight: 600;
  transition: var(--transition);
  letter-spacing: .02em;
}
.btn-primary {
  background: var(--red);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(200,16,46,.4);
}
.btn-primary:hover {
  background: var(--red-dark);
  box-shadow: 0 6px 24px rgba(200,16,46,.5);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--red);
}
.btn-dark {
  background: var(--black);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--black-soft);
  transform: translateY(-2px);
}
.btn-outline-red {
  background: transparent;
  color: var(--red);
  border: 2px solid var(--red);
}
.btn-outline-red:hover {
  background: var(--red);
  color: var(--white);
}

/* ─── Top Bar ─── */
.topbar {
  background: var(--black);
  color: var(--white);
  font-size: .82rem;
  padding: 8px 0;
  border-bottom: 2px solid var(--red);
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 20px; }
.topbar a { color: #ccc; transition: var(--transition); }
.topbar a:hover { color: var(--red); }
.topbar .topbar-social a {
  width: 26px; height: 26px;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--black-soft);
  border-radius: 50%;
  color: var(--white);
  font-size: .8rem;
}
.topbar .topbar-social a:hover { background: var(--red); }

/* ─── Navbar ─── */
.navbar {
  background: var(--white);
  box-shadow: var(--shadow);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: 0 4px 30px rgba(0,0,0,.18); }
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.logo img { height: 50px; width: auto; border-radius: 6px; }
.logo-text .name {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--black);
  letter-spacing: -.01em;
}
.logo-text .name span { color: var(--red); }
.logo-text .tagline {
  font-size: .68rem;
  color: var(--gray-mid);
  letter-spacing: .06em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-menu > li { position: relative; }
.nav-menu > li > a {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--black);
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-menu > li > a:hover,
.nav-menu > li > a.active {
  color: var(--red);
  background: rgba(200,16,46,.06);
}
.nav-menu > li > a i { font-size: .7rem; transition: transform .25s; }
.nav-menu > li:hover > a i { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  min-width: 230px;
  padding: 12px 0;
  border-top: 3px solid var(--red);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 999;
}
.nav-menu > li:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 20px;
  font-size: .88rem;
  color: var(--black);
  transition: var(--transition);
}
.dropdown a i {
  width: 28px; height: 28px;
  display: flex; align-items: center; justify-content: center;
  background: var(--gray-light);
  border-radius: 6px;
  color: var(--red);
  font-size: .8rem;
  transition: var(--transition);
}
.dropdown a:hover { color: var(--red); background: var(--gray-light); }
.dropdown a:hover i { background: var(--red); color: var(--white); }

.nav-cta { margin-left: 10px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  padding: 6px;
  border-radius: 6px;
}
.hamburger span {
  width: 24px; height: 2px;
  background: var(--black);
  border-radius: 2px;
  transition: var(--transition);
  display: block;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ─── Hero Slider ─── */
.hero-slider {
  position: relative;
  overflow: hidden;
  height: 620px;
}
.slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity .8s ease;
}
.slide.active { opacity: 1; }
.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(26,26,26,.85) 40%, rgba(200,16,46,.4) 100%);
}
.slide-content {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
}
.slide-content .container { z-index: 2; }
.slide-inner { max-width: 620px; }
.slide-inner .badge-hero {
  display: inline-block;
  background: var(--red);
  color: var(--white);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 30px;
  margin-bottom: 18px;
}
.slide-inner h1 {
  color: var(--white);
  font-family: var(--font-serif);
  margin-bottom: 18px;
  text-shadow: 0 2px 12px rgba(0,0,0,.3);
}
.slide-inner p {
  color: rgba(255,255,255,.85);
  font-size: 1.1rem;
  margin-bottom: 32px;
}
.slide-inner .btn-group { display: flex; gap: 14px; flex-wrap: wrap; }

/* Slider Controls */
.slider-controls {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 10;
}
.dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,.5);
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
}
.dot.active {
  background: var(--red);
  transform: scale(1.3);
  border-color: var(--white);
}

.slider-arrows { position: absolute; top: 50%; z-index: 10; width: 100%; display: flex; justify-content: space-between; padding: 0 20px; transform: translateY(-50%); }
.slider-arrow {
  width: 46px; height: 46px;
  background: rgba(255,255,255,.15);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 50%;
  color: var(--white);
  font-size: 1rem;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.slider-arrow:hover { background: var(--red); border-color: var(--red); }

/* ─── Quick Access Bar ─── */
.quick-access {
  background: var(--black);
  padding: 0;
}
.quick-access .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.qa-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 22px 24px;
  color: var(--white);
  border-right: 1px solid rgba(255,255,255,.1);
  transition: var(--transition);
  cursor: pointer;
}
.qa-item:last-child { border-right: none; }
.qa-item:hover { background: var(--red); }
.qa-item i { font-size: 1.5rem; color: var(--red); transition: var(--transition); }
.qa-item:hover i { color: var(--white); }
.qa-item .qa-text { font-size: .85rem; }
.qa-item .qa-text strong { display: block; font-weight: 700; font-size: .95rem; }

/* ─── Stats Section ─── */
.stats-section {
  background: linear-gradient(135deg, var(--black) 0%, var(--black-soft) 100%);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(200,16,46,.2) 0%, transparent 70%);
  border-radius: 50%;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  text-align: center;
}
.stat-item { position: relative; }
.stat-item::after {
  content: '';
  position: absolute;
  right: 0; top: 20%;
  height: 60%;
  width: 1px;
  background: rgba(255,255,255,.1);
}
.stat-item:last-child::after { display: none; }
.stat-number {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--red);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-number sup { font-size: 1.4rem; vertical-align: super; }
.stat-label {
  color: rgba(255,255,255,.7);
  font-size: .88rem;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.stat-icon {
  font-size: 2rem;
  color: rgba(255,255,255,.15);
  margin-bottom: 12px;
}

/* ─── Services Grid ─── */
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border-bottom: 3px solid transparent;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transition: transform .35s ease;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-icon {
  width: 70px; height: 70px;
  background: linear-gradient(135deg, #fff0f3 0%, #ffd6de 100%);
  border-radius: 18px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
  font-size: 1.8rem;
  color: var(--red);
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: var(--red);
  color: var(--white);
  transform: scale(1.1) rotate(5deg);
}
.service-card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.service-card p { font-size: .88rem; color: var(--gray-mid); margin-bottom: 18px; }
.service-link {
  font-size: .85rem;
  font-weight: 600;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: var(--transition);
}
.service-link:hover { gap: 10px; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ─── Why Choose Us ─── */
.why-us {
  background: var(--black);
  color: var(--white);
  padding: 80px 0;
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-image-wrap { position: relative; border-radius: var(--radius-lg); overflow: hidden; }
.why-image-wrap img { width: 100%; height: 460px; object-fit: cover; border-radius: var(--radius-lg); }
.why-badge-float {
  position: absolute;
  bottom: 30px; left: 30px;
  background: var(--red);
  color: var(--white);
  padding: 18px 24px;
  border-radius: var(--radius-lg);
  text-align: center;
}
.why-badge-float .big { font-size: 2rem; font-weight: 800; line-height: 1; }
.why-badge-float .small { font-size: .8rem; opacity: .85; }
.feature-list { display: flex; flex-direction: column; gap: 20px; margin-top: 32px; }
.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.feature-item-icon {
  width: 44px; height: 44px;
  min-width: 44px;
  background: rgba(200,16,46,.15);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--red);
  font-size: 1.1rem;
}
.feature-item-text h4 { color: var(--white); margin-bottom: 4px; }
.feature-item-text p { color: rgba(255,255,255,.6); font-size: .88rem; }

/* ─── Products / Loan Cards ─── */
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.product-card-header {
  background: linear-gradient(135deg, var(--black) 0%, var(--black-soft) 100%);
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
}
.product-card-header::after {
  content: '';
  position: absolute;
  bottom: -20px; right: -20px;
  width: 80px; height: 80px;
  background: rgba(200,16,46,.15);
  border-radius: 50%;
}
.product-card-header i { font-size: 2rem; color: var(--red); margin-bottom: 10px; }
.product-card-header h3 { color: var(--white); font-size: 1.05rem; }
.product-card-body { padding: 24px; }
.product-card-body p { font-size: .88rem; color: #555; margin-bottom: 16px; }
.product-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.product-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .84rem;
  color: #444;
}
.product-features li::before {
  content: '✓';
  width: 18px; height: 18px;
  min-width: 18px;
  background: rgba(200,16,46,.1);
  color: var(--red);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .65rem;
  font-weight: 800;
}

/* ─── Partners Strip ─── */
.partners-section {
  padding: 50px 0;
  background: var(--gray-light);
  border-top: 1px solid var(--gray-border);
  border-bottom: 1px solid var(--gray-border);
}
.partners-title {
  text-align: center;
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--gray-mid);
  margin-bottom: 30px;
}
.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.partner-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  opacity: .6;
  transition: var(--transition);
  filter: grayscale(100%);
}
.partner-logo:hover { opacity: 1; filter: none; transform: scale(1.05); }
.partner-logo-icon {
  width: 60px; height: 60px;
  background: var(--black);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  border-radius: 12px;
  font-weight: 800;
  font-size: .85rem;
  letter-spacing: .05em;
}
.partner-logo span { font-size: .72rem; color: var(--gray-mid); font-weight: 600; }

/* ─── News Cards ─── */
.news-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.news-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.news-card-img {
  height: 200px;
  object-fit: cover;
  width: 100%;
}
.news-card-body { padding: 22px; }
.news-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  font-size: .78rem;
  color: var(--gray-mid);
}
.news-cat {
  background: rgba(200,16,46,.1);
  color: var(--red);
  padding: 3px 10px;
  border-radius: 20px;
  font-weight: 600;
}
.news-card h3 { font-size: 1rem; margin-bottom: 8px; line-height: 1.4; }
.news-card p  { font-size: .85rem; color: #666; margin-bottom: 14px; }
.read-more {
  font-size: .85rem;
  font-weight: 600;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: var(--transition);
}
.read-more:hover { gap: 10px; }

/* ─── CTA Banner ─── */
.cta-banner {
  background: linear-gradient(105deg, var(--black) 0%, var(--red-dark) 100%);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 300px;
  background: radial-gradient(ellipse, rgba(200,16,46,.3) 0%, transparent 70%);
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,.75); margin-bottom: 32px; font-size: 1.05rem; }
.cta-banner .btn-group { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* ─── Page Hero (inner pages) ─── */
.page-hero {
  background: linear-gradient(105deg, var(--black) 50%, var(--red-dark) 100%);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  right: -100px; bottom: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(200,16,46,.2), transparent 65%);
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p  { color: rgba(255,255,255,.7); font-size: 1.05rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: rgba(255,255,255,.55);
  margin-bottom: 16px;
}
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: var(--red); }
.breadcrumb .sep { color: rgba(255,255,255,.3); }
.breadcrumb .current { color: var(--red); }

/* ─── Info Box ─── */
.info-box {
  background: var(--gray-light);
  border-left: 4px solid var(--red);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-bottom: 20px;
}
.info-box h4 { margin-bottom: 6px; color: var(--black); }
.info-box p { font-size: .88rem; color: #555; }

/* ─── Forms ─── */
.form-section { padding: 70px 0; }
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.form-card-header {
  background: linear-gradient(135deg, var(--black), var(--black-soft));
  padding: 32px 40px;
  border-bottom: 3px solid var(--red);
}
.form-card-header h2 { color: var(--white); margin-bottom: 6px; }
.form-card-header p { color: rgba(255,255,255,.65); }
.form-card-body { padding: 40px; }

.form-group { margin-bottom: 22px; }
.form-group label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 7px; color: var(--black); }
.form-group label span { color: var(--red); }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--radius);
  font-family: var(--font-main);
  font-size: .92rem;
  color: var(--black);
  transition: var(--transition);
  background: var(--white);
}
.form-control:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(200,16,46,.1); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; }
.form-check input[type="checkbox"] { accent-color: var(--red); width: 16px; height: 16px; margin-top: 3px; flex-shrink: 0; }
.form-check label { font-size: .88rem; color: #555; }

.step-indicator {
  display: flex;
  gap: 0;
  margin-bottom: 36px;
}
.step {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
}
.step::after {
  content: '';
  position: absolute;
  top: 16px; left: 50%;
  width: 100%; height: 2px;
  background: var(--gray-border);
  z-index: 0;
}
.step:last-child::after { display: none; }
.step-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--gray-border);
  color: var(--gray-mid);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .85rem;
  z-index: 1;
  margin-bottom: 6px;
  transition: var(--transition);
}
.step.active .step-num { background: var(--red); color: var(--white); }
.step.done .step-num { background: #28a745; color: var(--white); }
.step-label { font-size: .72rem; color: var(--gray-mid); text-align: center; }

/* ─── Contact ─── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 40px;
  align-items: start;
}
.contact-info-card {
  background: var(--black);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 24px; }
.contact-detail {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 22px;
}
.contact-detail-icon {
  width: 42px; height: 42px;
  min-width: 42px;
  background: rgba(200,16,46,.2);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--red);
  font-size: 1rem;
}
.contact-detail-text strong { display: block; color: var(--white); margin-bottom: 3px; }
.contact-detail-text span { color: rgba(255,255,255,.6); font-size: .88rem; }
.contact-social { display: flex; gap: 10px; margin-top: 30px; }
.contact-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.08);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: .9rem;
  transition: var(--transition);
}
.contact-social a:hover { background: var(--red); }

/* ─── Team Cards ─── */
.team-card {
  text-align: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 20px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.team-img {
  width: 90px; height: 90px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--black), var(--red));
  margin: 0 auto 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem;
  color: var(--white);
  font-weight: 800;
}
.team-card h4 { margin-bottom: 4px; }
.team-card .role { color: var(--red); font-size: .85rem; font-weight: 600; }

/* ─── Timeline ─── */
.timeline { position: relative; padding-left: 30px; }
.timeline::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 2px;
  background: var(--gray-border);
}
.timeline-item {
  position: relative;
  padding-bottom: 30px;
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: -37px; top: 4px;
  width: 14px; height: 14px;
  background: var(--red);
  border: 3px solid var(--white);
  border-radius: 50%;
  box-shadow: 0 0 0 2px var(--red);
}
.timeline-year {
  font-size: .82rem;
  font-weight: 700;
  color: var(--red);
  letter-spacing: .08em;
  margin-bottom: 4px;
}
.timeline-item h4 { margin-bottom: 4px; }
.timeline-item p { font-size: .88rem; color: #666; }

/* ─── About Values ─── */
.value-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border-top: 4px solid transparent;
}
.value-card:hover { border-top-color: var(--red); transform: translateY(-4px); }
.value-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, #fff0f3, #ffd6de);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  color: var(--red);
  margin: 0 auto 16px;
}

/* ─── Footer ─── */
.footer {
  background: var(--black);
  color: var(--white);
  padding-top: 70px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 50px;
  padding-bottom: 50px;
}
.footer-brand .footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 18px; }
.footer-brand .footer-logo img { height: 44px; border-radius: 6px; }
.footer-brand .footer-logo .name { font-size: 1rem; font-weight: 800; color: var(--white); }
.footer-brand .footer-logo .name span { color: var(--red); }
.footer-brand p { color: rgba(255,255,255,.55); font-size: .88rem; line-height: 1.75; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.08);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.7);
  font-size: .9rem;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--red); color: var(--white); }

.footer h4 {
  color: var(--white);
  font-size: .92rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid rgba(200,16,46,.4);
}
.footer-links a {
  display: flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,.55);
  font-size: .88rem;
  padding: 5px 0;
  transition: var(--transition);
}
.footer-links a i { color: var(--red); font-size: .65rem; }
.footer-links a:hover { color: var(--red); padding-left: 5px; }

.footer-contact-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 14px;
}
.footer-contact-item i { color: var(--red); margin-top: 3px; font-size: .9rem; }
.footer-contact-item span { color: rgba(255,255,255,.55); font-size: .85rem; line-height: 1.6; }

.footer-newsletter { margin-top: 24px; }
.footer-newsletter p { color: rgba(255,255,255,.55); font-size: .85rem; margin-bottom: 12px; }
.newsletter-form { display: flex; gap: 8px; }
.newsletter-form input {
  flex: 1;
  padding: 10px 14px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  color: var(--white);
  font-size: .85rem;
  font-family: var(--font-main);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,.35); }
.newsletter-form input:focus { outline: none; border-color: var(--red); }
.newsletter-form button {
  background: var(--red);
  color: var(--white);
  padding: 10px 16px;
  border-radius: var(--radius);
  font-size: .85rem;
  transition: var(--transition);
}
.newsletter-form button:hover { background: var(--red-dark); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .82rem;
  color: rgba(255,255,255,.4);
  flex-wrap: wrap;
  gap: 10px;
}
.footer-bottom a { color: rgba(255,255,255,.4); transition: var(--transition); }
.footer-bottom a:hover { color: var(--red); }
.footer-bottom-links { display: flex; gap: 20px; }

/* ─── WhatsApp Float ─── */
.wa-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.wa-float a {
  width: 58px; height: 58px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.5rem;
  box-shadow: 0 4px 20px rgba(37,211,102,.5);
  animation: pulse-wa 2.5s infinite;
  transition: var(--transition);
}
.wa-float a:hover { transform: scale(1.12); }
.wa-tooltip {
  background: var(--black);
  color: var(--white);
  font-size: .78rem;
  padding: 5px 12px;
  border-radius: 20px;
  white-space: nowrap;
  opacity: 0;
  transform: translateY(4px);
  transition: var(--transition);
}
.wa-float:hover .wa-tooltip { opacity: 1; transform: translateY(0); }

@keyframes pulse-wa {
  0%   { box-shadow: 0 0 0 0 rgba(37,211,102,.5); }
  70%  { box-shadow: 0 0 0 14px rgba(37,211,102,0); }
  100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}

/* ─── Back to Top ─── */
.back-top {
  position: fixed;
  bottom: 98px;
  right: 28px;
  width: 44px; height: 44px;
  background: var(--red);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
  z-index: 9998;
  box-shadow: 0 4px 14px rgba(200,16,46,.4);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  cursor: pointer;
  border: none;
}
.back-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-top:hover { background: var(--red-dark); transform: translateY(-3px); }

/* ─── Loan Calculator ─── */
.calc-section {
  background: linear-gradient(135deg, var(--black), var(--black-soft));
  padding: 70px 0;
}
.calc-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 700px;
  margin: 0 auto;
  backdrop-filter: blur(10px);
}
.calc-card h2 { color: var(--white); margin-bottom: 8px; }
.calc-card > p { color: rgba(255,255,255,.65); margin-bottom: 30px; }
.calc-result {
  background: var(--red);
  border-radius: var(--radius);
  padding: 20px 28px;
  margin-top: 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.calc-result-item .label { color: rgba(255,255,255,.7); font-size: .8rem; margin-bottom: 4px; }
.calc-result-item .amount { color: var(--white); font-size: 1.4rem; font-weight: 800; }
.range-group label { display: flex; justify-content: space-between; margin-bottom: 8px; }
.range-group label span { color: var(--red); font-weight: 700; }
input[type="range"] { width: 100%; accent-color: var(--red); margin-bottom: 4px; height: 6px; }

/* ─── Savings Table ─── */
.savings-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .88rem;
}
.savings-table th {
  background: var(--black);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  font-size: .8rem;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.savings-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--gray-border);
  color: #444;
}
.savings-table tr:hover td { background: #fff7f8; }
.savings-table .highlight { color: var(--red); font-weight: 700; }

/* ─── Responsive ─── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { gap: 36px; }
}
@media (max-width: 900px) {
  .nav-menu, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .quick-access .container { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .why-image-wrap img { height: 280px; }
}
@media (max-width: 640px) {
  .section { padding: 55px 0; }
  .hero-slider { height: 480px; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .topbar-left span:not(:first-child) { display: none; }
  .quick-access .container { grid-template-columns: 1fr 1fr; }
  .calc-result { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

/* Mobile Nav */
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 2px solid var(--red);
  box-shadow: 0 10px 30px rgba(0,0,0,.15);
  padding: 16px 0;
  max-height: 80vh;
  overflow-y: auto;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  padding: 12px 24px;
  font-size: .92rem;
  font-weight: 500;
  color: var(--black);
  border-bottom: 1px solid var(--gray-border);
  display: flex; align-items: center; gap: 10px;
}
.mobile-menu a:hover { background: var(--gray-light); color: var(--red); }
.mobile-menu a i { color: var(--red); width: 18px; text-align: center; }
.mobile-menu .mobile-cta { padding: 16px 24px; }
.mobile-menu .mobile-cta .btn { width: 100%; justify-content: center; }