/* =========================================================
   Affirm Consult — Global Styles
   Ocean Blue Theme
   ========================================================= */

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

/* --- Variables --- */
:root {
  --ocean-deep:   #023E73;
  --ocean-mid:    #0077B6;
  --ocean-bright: #00B4D8;
  --ocean-light:  #90E0EF;
  --ocean-pale:   #CAF0F8;
  --white:        #FFFFFF;
  --offwhite:     #F0F8FF;
  --charcoal:     #1A1A2E;
  --text-dark:    #0D1B2A;
  --text-mid:     #2D4059;
  --text-light:   #4A6FA5;
  --gold:         #C9A84C;
  --gold-light:   #E8C97C;
  --shadow-sm: 0 2px 12px rgba(0,119,182,0.15);
  --shadow-md: 0 8px 32px rgba(0,119,182,0.2);
  --shadow-lg: 0 16px 56px rgba(0,119,182,0.25);
  --radius:    12px;
  --radius-lg: 20px;
  --transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
  overflow-x: hidden;          /* prevent any child from blowing out the page width */
  -webkit-text-size-adjust: 100%; /* stop iOS auto-zooming text */
  text-size-adjust: 100%;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--charcoal);
  overflow-x: hidden;
  line-height: 1.7;
  min-width: 0;                /* let flex/grid children shrink fully */
}

h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  line-height: 1.25;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* =========================================================
   SKY / CLOUD BACKGROUND (applies to every page)
   ========================================================= */
.sky-bg {
  position: fixed;
  inset: 0;
  z-index: -2;
  background: linear-gradient(
    175deg,
    #050e1a 0%,
    #091a2e 18%,
    #0d2a47 40%,
    #0e3460 65%,
    #0a2a4a 100%
  );
}

/* Subtle ambient glow */
.sky-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 40% at 60% 0%, rgba(14,52,96,0.55) 0%, transparent 70%),
    radial-gradient(ellipse 50% 30% at 10% 50%, rgba(0,77,140,0.2) 0%, transparent 60%);
}

/* Cloud layer container */
.clouds-container {
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  overflow: hidden;
}

.cloud {
  position: absolute;
  background: rgba(220,235,255,0.07);
  border-radius: 120px;
  filter: blur(18px);
  animation: drift linear infinite;
  will-change: transform;
}

.cloud::before,
.cloud::after {
  content: '';
  position: absolute;
  background: inherit;
  border-radius: 50%;
  filter: blur(6px);
}

/* Cloud 1 */
.cloud-1 {
  width: 380px; height: 70px;
  top: 6%; left: -400px;
  opacity: 0.9;
  animation-duration: 130s;
  animation-delay: 0s;
}
.cloud-1::before { width: 180px; height: 120px; top: -55px; left: 60px; }
.cloud-1::after  { width: 130px; height: 95px;  top: -42px; left: 200px; }

/* Cloud 2 */
.cloud-2 {
  width: 520px; height: 85px;
  top: 14%; left: -560px;
  opacity: 0.7;
  animation-duration: 170s;
  animation-delay: -45s;
}
.cloud-2::before { width: 220px; height: 145px; top: -68px; left: 80px; }
.cloud-2::after  { width: 160px; height: 115px; top: -55px; left: 280px; }

/* Cloud 3 */
.cloud-3 {
  width: 300px; height: 60px;
  top: 3%; left: -330px;
  opacity: 0.55;
  animation-duration: 110s;
  animation-delay: -20s;
}
.cloud-3::before { width: 140px; height: 100px; top: -48px; left: 40px; }
.cloud-3::after  { width: 105px; height: 80px;  top: -36px; left: 160px; }

/* Cloud 4 */
.cloud-4 {
  width: 440px; height: 75px;
  top: 22%; left: -470px;
  opacity: 0.6;
  animation-duration: 150s;
  animation-delay: -80s;
}
.cloud-4::before { width: 195px; height: 135px; top: -62px; left: 70px; }
.cloud-4::after  { width: 145px; height: 108px; top: -50px; left: 245px; }

/* Cloud 5 — very faint, large & slow */
.cloud-5 {
  width: 600px; height: 95px;
  top: 32%; left: -640px;
  opacity: 0.35;
  animation-duration: 200s;
  animation-delay: -120s;
}
.cloud-5::before { width: 270px; height: 170px; top: -80px; left: 100px; }
.cloud-5::after  { width: 200px; height: 130px; top: -62px; left: 360px; }

/* Cloud 6 — deepest, barely visible */
.cloud-6 {
  width: 480px; height: 80px;
  top: 50%; left: -510px;
  opacity: 0.22;
  animation-duration: 240s;
  animation-delay: -160s;
}
.cloud-6::before { width: 210px; height: 150px; top: -70px; left: 90px; }
.cloud-6::after  { width: 155px; height: 115px; top: -55px; left: 280px; }

@keyframes drift {
  from { transform: translateX(0); }
  to   { transform: translateX(calc(100vw + 700px)); }
}

/* =========================================================
   NAVIGATION
   ========================================================= */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0 5%;
  height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(2, 62, 115, 0.85);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(144, 224, 239, 0.2);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.navbar.scrolled {
  background: rgba(2, 62, 115, 0.97);
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
}

.nav-logo-img {
  height: 82px;
  width: auto;
  display: block;
  filter: drop-shadow(0 2px 8px rgba(201,168,76,0.35));
}

/* Hide text name in navbar — logo already has it */
.navbar .nav-name { display: none; }

.nav-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.02em;
}

.nav-name span {
  color: var(--gold);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.nav-links a::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at center, rgba(201,168,76,0.45) 0%, transparent 70%);
  transform: scale(0);
  opacity: 0;
  border-radius: 8px;
  transition: transform 0.35s ease, opacity 0.35s ease;
}

.nav-links a:active::before {
  transform: scale(2.5);
  opacity: 1;
  transition: none;
}

.nav-links a:hover,
.nav-links a.active {
  background: rgba(201,168,76,0.12);
  color: var(--gold-light);
}

.nav-cta {
  padding: 10px 22px !important;
  background: linear-gradient(135deg, var(--gold-light), var(--gold)) !important;
  color: #1a1200 !important;
  border-radius: 50px !important;
  font-weight: 600 !important;
  box-shadow: 0 4px 14px rgba(201,168,76,0.35);
  letter-spacing: 0.03em;
}

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.5) !important;
  background: linear-gradient(135deg, #f0d98a, var(--gold-light)) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* =========================================================
   PAGE WRAPPER
   ========================================================= */
/* =========================================================
   CLICK / PRESS EFFECTS
   ========================================================= */
/* Button press effect */
.btn-primary:active  { transform: scale(0.96) translateY(1px); transition: transform 0.1s ease; }
.btn-outline:active  { transform: scale(0.96) translateY(1px); transition: transform 0.1s ease; }

/* Card press effect */
.glass-card:active   { transform: scale(0.98); transition: transform 0.12s ease; }
.service-card:active { transform: scale(0.98); transition: transform 0.12s ease; }
.loan-card:active    { transform: scale(0.98); transition: transform 0.12s ease; }

.page-content {
  min-height: 100vh;
  position: relative;
}

/* =========================================================
   HERO — HOMEPAGE
   ========================================================= */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 72px 0 0;
}

.hero-bg-image {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(120deg, rgba(5,14,26,0.78) 0%, rgba(9,26,46,0.55) 55%, rgba(13,42,71,0.30) 100%),
    url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?w=1920&q=90') center/cover no-repeat;
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 80px 5% 100px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-text .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.4);
  padding: 6px 18px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gold-light);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.hero-text h1 {
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  color: var(--white);
  font-weight: 700;
  margin-bottom: 20px;
  text-shadow: 0 2px 32px rgba(0,0,0,0.4);
  line-height: 1.18;
}

.hero-text h1 span {
  color: var(--gold-light);
  text-shadow: 0 0 40px rgba(201,168,76,0.4);
}

.hero-text p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 36px;
  max-width: 500px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-primary {
  padding: 15px 36px;
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: #1a1200;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  transition: var(--transition);
  box-shadow: 0 6px 24px rgba(201,168,76,0.4);
  border: none;
  cursor: pointer;
  display: inline-block;
  text-transform: uppercase;
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 36px rgba(201,168,76,0.55);
  background: linear-gradient(135deg, #f0d98a, var(--gold-light));
}

.btn-outline {
  padding: 14px 36px;
  border: 1.5px solid rgba(255,255,255,0.5);
  color: var(--white);
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: var(--transition);
  display: inline-block;
  backdrop-filter: blur(6px);
}

.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(255,255,255,0.85);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(255,255,255,0.1);
}

/* Hero stats card */
.hero-card {
  background: rgba(10,20,40,0.55);
  backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.12);
  border-top: 1px solid rgba(255,255,255,0.28);
  border-radius: var(--radius-lg);
  padding: 38px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.45), inset 0 1px 0 rgba(255,255,255,0.1);
}

.hero-card h3 {
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 24px;
  letter-spacing: 0.02em;
}

.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.stat-item {
  text-align: center;
  padding: 20px 12px;
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.08);
  border-top: 1px solid rgba(201,168,76,0.25);
  transition: var(--transition);
}

.stat-item:hover {
  background: rgba(201,168,76,0.08);
  border-color: rgba(201,168,76,0.3);
}

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  text-shadow: 0 0 20px rgba(201,168,76,0.3);
}

.stat-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-top: 6px;
}

/* Hero scroll indicator */
.scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.6);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  animation: bounce 2s infinite;
}

.scroll-indicator::after {
  content: '↓';
  font-size: 1.2rem;
}

@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(8px); }
}

/* =========================================================
   SECTIONS — GENERAL
   ========================================================= */
.section {
  position: relative;
  padding: 100px 5%;
}

.section-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.section-header {
  text-align: center;
  margin-bottom: 64px;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white);
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 600px;
  margin: 0 auto;
}

/* Glass card */
.glass-card {
  background: rgba(8,18,36,0.5);
  backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.1);
  border-top: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-lg);
  padding: 36px;
  transition: var(--transition);
  box-shadow: 0 8px 32px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.08);
}

.glass-card:hover {
  background: rgba(12,24,48,0.6);
  transform: translateY(-6px);
  box-shadow: 0 20px 56px rgba(0,0,0,0.4), inset 0 1px 0 rgba(201,168,76,0.15);
  border-color: rgba(201,168,76,0.3);
  border-top-color: rgba(201,168,76,0.45);
}

/* =========================================================
   WHY CHOOSE US (homepage)
   ========================================================= */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
}

.why-card .icon-wrap {
  width: 58px; height: 58px;
  background: linear-gradient(135deg, rgba(201,168,76,0.18), rgba(160,120,48,0.18));
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 22px;
  box-shadow: 0 4px 16px rgba(201,168,76,0.15);
}

.why-card h4 {
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
}

/* =========================================================
   SERVICES PREVIEW (homepage)
   ========================================================= */
.services-preview {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}

.service-card {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  min-height: 320px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  cursor: pointer;
  transition: var(--transition);
}

.service-card:hover { transform: translateY(-8px); box-shadow: 0 24px 48px rgba(0,0,0,0.5), 0 0 0 1px rgba(201,168,76,0.3); }
.service-card:hover .service-card-overlay { background: rgba(10,20,40,0.75); }

.service-card-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform 0.6s ease;
}

.service-card:hover .service-card-bg { transform: scale(1.06); }

.service-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(2,62,115,0.92) 0%, rgba(0,0,0,0.2) 100%);
  transition: var(--transition);
}

.service-card-content {
  position: relative;
  z-index: 1;
  padding: 28px;
}

.service-card-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}

.service-card h3 {
  font-size: 1.4rem;
  color: var(--white);
  margin-bottom: 10px;
}

.service-card p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.72);
  margin-bottom: 16px;
}

.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gold-light);
  letter-spacing: 0.05em;
  transition: var(--transition);
}

.service-card-link::after { content: '→'; transition: transform 0.25s; }
.service-card:hover .service-card-link::after { transform: translateX(4px); }

/* =========================================================
   REAL ESTATE SHOWCASE (homepage)
   ========================================================= */
.re-showcase {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.re-showcase-img {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.re-showcase-img img {
  width: 100%;
  height: 480px;
  object-fit: cover;
}

.re-badge {
  position: absolute;
  bottom: 24px; left: 24px;
  background: rgba(2,62,115,0.9);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(144,224,239,0.3);
  border-radius: var(--radius);
  padding: 16px 20px;
  color: var(--white);
}

.re-badge .badge-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
}

.re-badge .badge-txt {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
}

.re-content h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--white);
  margin-bottom: 20px;
}

.re-content p {
  font-size: 0.98rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 24px;
}

.re-list { margin-bottom: 36px; }

.re-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  font-size: 0.94rem;
  color: rgba(255,255,255,0.8);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.re-list li::before {
  content: '✓';
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 700;
  color: #1a1200;
  margin-top: 2px;
  box-shadow: 0 2px 8px rgba(201,168,76,0.35);
}

/* =========================================================
   PROCESS STEPS
   ========================================================= */
.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  position: relative;
}

.process-step {
  text-align: center;
  padding: 40px 24px;
}

.step-number {
  font-family: 'Playfair Display', serif;
  font-size: 3.5rem;
  font-weight: 700;
  color: rgba(201,168,76,0.22);
  line-height: 1;
  margin-bottom: 16px;
}

.process-step h4 {
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 10px;
}

.process-step p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}

/* =========================================================
   TESTIMONIALS
   ========================================================= */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}

.testimonial-card {
  padding: 32px;
}

.stars {
  color: var(--gold);
  font-size: 1rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.78);
  font-style: italic;
  line-height: 1.7;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 52px; height: 52px;
  border-radius: 50%;
  border: 2px solid rgba(201,168,76,0.5);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
  overflow: hidden;
  flex-shrink: 0;
}

.author-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.author-name {
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--white);
}

.author-title {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
}

/* =========================================================
   CTA BAND
   ========================================================= */
.cta-band {
  background: linear-gradient(135deg, rgba(10,18,36,0.7), rgba(20,36,64,0.6));
  border: 1px solid rgba(255,255,255,0.1);
  border-top: 1px solid rgba(201,168,76,0.35);
  border-radius: var(--radius-lg);
  padding: 72px 48px;
  text-align: center;
  backdrop-filter: blur(20px);
  box-shadow: 0 24px 64px rgba(0,0,0,0.35), inset 0 1px 0 rgba(201,168,76,0.1);
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 200px; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.7), transparent);
}

.cta-band h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: var(--white);
  margin-bottom: 16px;
}

.cta-band p {
  font-size: 1rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 36px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* =========================================================
   FOOTER
   ========================================================= */
footer {
  background: rgba(2, 10, 22, 0.97);
  backdrop-filter: blur(20px);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 72px 5% 28px;
  position: relative;
  z-index: 10;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  margin-top: 14px;
  line-height: 1.65;
  max-width: 280px;
}

.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  margin-bottom: 18px;
}

.footer-col a {
  display: block;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  padding: 5px 0;
  transition: var(--transition);
}

.footer-col a:hover {
  color: var(--gold-light);
  padding-left: 4px;
}

/* Social icons */
.social-icons {
  display: flex;
  gap: 12px;
  margin-top: 20px;
}

.social-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  border: 1px solid rgba(144,224,239,0.2);
  background: rgba(255,255,255,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  transition: var(--transition);
  cursor: pointer;
}

.social-icon:hover {
  background: rgba(201,168,76,0.15);
  border-color: rgba(201,168,76,0.5);
  color: var(--gold-light);
  transform: translateY(-3px);
  box-shadow: 0 6px 16px rgba(201,168,76,0.2);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}

.footer-legal {
  display: flex;
  gap: 20px;
}

.footer-legal a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  transition: var(--transition);
}

.footer-legal a:hover { color: var(--ocean-light); }

/* =========================================================
   INNER PAGE HERO
   ========================================================= */
.inner-hero {
  min-height: 400px;
  display: flex;
  align-items: flex-end;
  padding: 72px 5% 64px;
  position: relative;
  overflow: hidden;
}

.inner-hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(2,62,115,0.9) 0%, rgba(0,119,182,0.75) 100%);
  z-index: 0;
}

.inner-hero-content {
  position: relative;
  z-index: 1;
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
}

.inner-hero .breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
}

.inner-hero .breadcrumb a { color: rgba(255,255,255,0.55); transition: var(--transition); }
.inner-hero .breadcrumb a:hover { color: var(--ocean-light); }
.inner-hero .breadcrumb span { color: var(--ocean-light); }

.inner-hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  color: var(--white);
  margin-bottom: 12px;
}

.inner-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.72);
  max-width: 560px;
}

/* =========================================================
   SERVICES PAGE
   ========================================================= */
.services-full-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 32px;
}

.service-full-card {
  padding: 40px;
}

.service-full-card .service-icon {
  font-size: 2.4rem;
  margin-bottom: 20px;
}

.service-full-card h3 {
  font-size: 1.5rem;
  color: var(--white);
  margin-bottom: 14px;
}

.service-full-card > p {
  font-size: 0.93rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 24px;
}

.service-features {
  margin-bottom: 28px;
}

.service-features li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.72);
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.service-features li::before {
  content: '◆';
  color: var(--ocean-bright);
  font-size: 0.5rem;
  margin-top: 6px;
  flex-shrink: 0;
}

.service-tag {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.tag-re   { background: rgba(0,180,216,0.2); color: var(--ocean-light); }
.tag-loan { background: rgba(201,168,76,0.2); color: var(--gold-light); }
.tag-corp { background: rgba(144,224,239,0.2); color: #b0e8f0; }

/* =========================================================
   LOANS PAGE
   ========================================================= */
.loan-hero-bg {
  background:
    linear-gradient(135deg, rgba(2,62,115,0.88) 0%, rgba(1,28,56,0.85) 100%),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1920&q=80') center/cover no-repeat;
}

.loan-types {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.loan-card {
  padding: 36px;
  text-align: center;
}

.loan-card .loan-icon { font-size: 2.5rem; margin-bottom: 16px; }

.loan-card h3 {
  font-size: 1.3rem;
  color: var(--white);
  margin-bottom: 10px;
}

.loan-card p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.62);
  margin-bottom: 20px;
}

.loan-rate {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--ocean-light);
}

.loan-rate small {
  font-family: 'Inter', sans-serif;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
  display: block;
  margin-top: 4px;
}

.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}

.eligibility-item {
  padding: 28px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.elig-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
}

.eligibility-item h4 {
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 6px;
}

.eligibility-item p {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.58);
}

/* =========================================================
   CONTACT SECTION
   ========================================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 48px;
  align-items: start;
}

.contact-info h3 {
  font-size: 1.5rem;
  color: var(--white);
  margin-bottom: 20px;
}

.contact-info p {
  font-size: 0.93rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 32px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.contact-item {
  display: flex;
  gap: 14px;
  align-items: center;
}

.contact-item .ci-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: rgba(0,180,216,0.15);
  border: 1px solid rgba(0,180,216,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-item span {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.75);
}

/* Form */
.contact-form {
  padding: 36px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  margin-bottom: 7px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(144,224,239,0.2);
  border-radius: var(--radius);
  color: var(--white);
  font-size: 0.93rem;
  font-family: 'Inter', sans-serif;
  transition: var(--transition);
  outline: none;
}

.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(255,255,255,0.35); }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--ocean-bright);
  background: rgba(255,255,255,0.1);
  box-shadow: 0 0 0 3px rgba(0,180,216,0.15);
}

.form-group select {
  appearance: none;
  cursor: pointer;
}

.form-group select option {
  background: var(--ocean-deep);
  color: var(--white);
}

.form-group textarea { resize: vertical; min-height: 120px; }

/* =========================================================
   LEGAL PAGES
   ========================================================= */
.legal-content {
  max-width: 860px;
  margin: 0 auto;
  padding: 80px 5%;
}

.legal-content h2 {
  font-size: 1.6rem;
  color: var(--ocean-light);
  margin: 40px 0 14px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.legal-content h2:first-of-type { border-top: none; margin-top: 0; padding-top: 0; }

.legal-content p {
  font-size: 0.93rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 14px;
  line-height: 1.8;
}

.legal-content ul {
  margin: 12px 0 18px 24px;
  list-style: disc;
}

.legal-content ul li {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  padding: 5px 0;
  line-height: 1.65;
}

.legal-content strong { color: var(--ocean-light); font-weight: 600; }

.legal-meta {
  background: rgba(0,180,216,0.1);
  border: 1px solid rgba(0,180,216,0.2);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 40px;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.6);
}

/* =========================================================
   UTILITY
   ========================================================= */
.divider {
  height: 1px;
  background: linear-gradient(to right, transparent, rgba(144,224,239,0.25), transparent);
  margin: 0 5%;
}

.text-center { text-align: center; }
.mt-8 { margin-top: 32px; }
.mb-4 { margin-bottom: 16px; }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 900px) {
  .hero-content  { grid-template-columns: 1fr; }
  .hero-card     { display: none; }
  .re-showcase   { grid-template-columns: 1fr; }
  .footer-grid   { grid-template-columns: 1fr 1fr; }
  .contact-grid  { grid-template-columns: 1fr; }
  .form-row      { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .section   { padding: 70px 5%; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid  { grid-template-columns: 1fr 1fr; }
  .cta-band    { padding: 40px 24px; }
}

@media (max-width: 480px) {
  .hero-text h1    { font-size: 2rem; }
  .hero-actions    { flex-direction: column; }
  .services-preview { grid-template-columns: 1fr; }
  .process-steps   { grid-template-columns: 1fr 1fr; }
  .hero-content    { padding: 60px 4% 70px; gap: 24px; }
  .section         { padding: 56px 4%; }
  .section-inner   { padding: 0; }
}

@media (max-width: 375px) {
  .hero-content  { padding: 52px 4% 60px; }
  .hero-text h1  { font-size: 1.8rem; }
  .btn-primary, .btn-outline { padding: 13px 24px; font-size: 0.88rem; }
}