/* ===========================
   Money Strategy Hubs
   Premium Finance & Wealth CSS
   =========================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800;900&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --primary: #EC4899;
  --primary-dark: #831843;
  --primary-light: #FFF1F2;
  --primary-50: #FDF2F8;
  --bg: #FFFFFF;
  --bg-soft: #FEFBFC;
  --bg-alt: #F9FAFB;
  --text: #1a1a2e;
  --text-secondary: #374151;
  --text-light: #6B7280;
  --text-muted: #9CA3AF;
  --border: #F3E8ED;
  --border-light: #F9F0F3;
  --card-bg: rgba(255,255,255,0.85);
  --glass: rgba(255,255,255,0.65);
  --glass-border: rgba(236,72,153,0.12);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.04);
  --shadow-md: 0 8px 30px rgba(0,0,0,0.06);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.08);
  --shadow-xl: 0 30px 80px rgba(0,0,0,0.10);
  --shadow-glow: 0 0 40px rgba(236,72,153,0.15);
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 28px;
  --radius-xl: 36px;
  --radius-full: 9999px;
  --transition: all 0.4s cubic-bezier(0.25,0.46,0.45,0.94);
  --transition-fast: all 0.25s ease;
}

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

html { scroll-behavior:smooth; scroll-padding-top:90px; font-size:16px; }

body {
  font-family:'Inter',sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.7;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}

h1,h2,h3,h4,h5,h6 { font-family:'Outfit',sans-serif; font-weight:700; line-height:1.2; }

a { text-decoration:none; color:inherit; transition:var(--transition-fast); }
img { max-width:100%; height:auto; display:block; }
ul { list-style:none; }
button { cursor:pointer; border:none; outline:none; font-family:inherit; }
input,textarea,select { font-family:inherit; outline:none; border:none; }

.container { max-width:1240px; margin:0 auto; padding:0 24px; }
.container-sm { max-width:860px; margin:0 auto; padding:0 24px; }

.section { padding:100px 0; position:relative; }
.section-alt { background:var(--bg-alt); }

.section-label {
  display:inline-flex; align-items:center; gap:8px;
  font-size:0.8rem; font-weight:600; letter-spacing:2px;
  text-transform:uppercase; color:var(--primary);
  margin-bottom:16px; padding:8px 18px;
  background:var(--primary-light); border-radius:var(--radius-full);
}

.section-title {
  font-size:clamp(2rem,4vw,3rem); color:var(--text);
  margin-bottom:20px; letter-spacing:-0.02em;
}

.section-desc {
  font-size:1.1rem; color:var(--text-light); max-width:640px;
  line-height:1.8;
}

.text-center { text-align:center; }
.text-center .section-desc { margin:0 auto; }
.mx-auto { margin-left:auto; margin-right:auto; }

.gradient-text {
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  -webkit-background-clip:text; -webkit-text-fill-color:transparent;
  background-clip:text;
}

.btn {
  display:inline-flex; align-items:center; gap:10px;
  padding:16px 36px; font-size:1rem; font-weight:600;
  border-radius:var(--radius-full); transition:var(--transition);
  position:relative; overflow:hidden; z-index:1;
}

.btn-primary {
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  color:#fff; box-shadow:0 8px 30px rgba(236,72,153,0.3);
}
.btn-primary:hover {
  transform:translateY(-3px);
  box-shadow:0 14px 40px rgba(236,72,153,0.4);
}

.btn-outline {
  background:transparent; color:var(--primary);
  border:2px solid var(--primary);
}
.btn-outline:hover {
  background:var(--primary); color:#fff;
  transform:translateY(-3px);
}

.btn-white {
  background:#fff; color:var(--primary-dark);
  box-shadow:var(--shadow-md);
}
.btn-white:hover {
  transform:translateY(-3px); box-shadow:var(--shadow-lg);
}

.btn-sm { padding:12px 28px; font-size:0.9rem; }

.btn i { font-size:0.9em; transition:transform 0.3s ease; }
.btn:hover i { transform:translateX(4px); }

.glass-card {
  background:var(--glass);
  backdrop-filter:blur(20px); -webkit-backdrop-filter:blur(20px);
  border:1px solid var(--glass-border);
  border-radius:var(--radius-lg);
  padding:36px; transition:var(--transition);
}
.glass-card:hover {
  transform:translateY(-6px);
  box-shadow:var(--shadow-xl);
  border-color:rgba(236,72,153,0.25);
}

.icon-box {
  width:64px; height:64px; border-radius:var(--radius-md);
  display:flex; align-items:center; justify-content:center;
  font-size:1.5rem; margin-bottom:20px;
  background:linear-gradient(135deg,rgba(236,72,153,0.1),rgba(131,24,67,0.05));
  color:var(--primary);
}

/* ========== NAVIGATION ========== */
.navbar {
  position:fixed; top:0; left:0; width:100%; z-index:1000;
  padding:18px 0; transition:var(--transition);
}
.navbar.scrolled {
  background:rgba(255,255,255,0.88);
  backdrop-filter:blur(24px); -webkit-backdrop-filter:blur(24px);
  border-bottom:1px solid var(--border-light);
  padding:12px 0;
  box-shadow:var(--shadow-sm);
}
.nav-inner {
  display:flex; align-items:center; justify-content:space-between;
  max-width:1240px; margin:0 auto; padding:0 24px;
}
.nav-logo {
  display:flex; align-items:center; gap:12px;
  font-family:'Outfit',sans-serif; font-size:1.35rem; font-weight:800;
}
.nav-logo .logo-icon {
  width:42px; height:42px; border-radius:var(--radius-sm);
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  display:flex; align-items:center; justify-content:center;
  color:#fff; font-size:1.1rem;
}

.nav-logo span { color:#fff; transition:var(--transition-fast); }

.nav-links { display:flex; align-items:center; gap:6px; }

.nav-links a {
  padding:10px 18px; font-size:0.92rem; font-weight:500;
  color:rgba(255,255,255,0.65); border-radius:var(--radius-full);
  transition:var(--transition-fast);
}
.nav-links a:hover,
.nav-links a.active { color:#fff; background:rgba(255,255,255,0.1); }

.nav-cta {
  padding:12px 28px !important; font-size:0.9rem !important;
  background:linear-gradient(135deg,var(--primary),var(--primary-dark)) !important;
  color:#fff !important; border-radius:var(--radius-full) !important;
  box-shadow:0 6px 24px rgba(236,72,153,0.25);
}

.nav-cta:hover {
  transform:translateY(-2px) !important;
  box-shadow:0 10px 32px rgba(236,72,153,0.35) !important;
  background:linear-gradient(135deg,var(--primary-dark),var(--primary)) !important;
  color:#fff !important;
}
.nav-toggle {
  display:none; flex-direction:column; gap:5px;
  width:30px; height:24px; background:none; padding:0;
  position:relative; z-index:1001;
}
.nav-toggle span {
  display:block; width:100%; height:2.5px; border-radius:2px;
  background:#fff; transition:var(--transition-fast);
}
.nav-toggle.active span:nth-child(1) { transform:rotate(45deg) translate(5px,5px); }
.nav-toggle.active span:nth-child(2) { opacity:0; }
.nav-toggle.active span:nth-child(3) { transform:rotate(-45deg) translate(5px,-5px); }

/* ========== HERO ========== */
.hero {
  min-height:100vh; display:flex; align-items:center;
  position:relative; overflow:hidden;
  background:linear-gradient(160deg,#0a0a1a 0%,#1a0a20 40%,#120a18 100%);
  padding:140px 0 100px;
}
.hero::before {
  content:''; position:absolute; top:-200px; right:-200px;
  width:700px; height:700px; border-radius:50%;
  background:radial-gradient(circle,rgba(236,72,153,0.15),transparent 70%);
  animation:heroFloat 8s ease-in-out infinite;
}
.hero::after {
  content:''; position:absolute; bottom:-150px; left:-150px;
  width:500px; height:500px; border-radius:50%;
  background:radial-gradient(circle,rgba(131,24,67,0.12),transparent 70%);
  animation:heroFloat 10s ease-in-out infinite reverse;
}
@keyframes heroFloat {
  0%,100% { transform:translate(0,0) scale(1); }
  50% { transform:translate(30px,-30px) scale(1.05); }
}

.hero-float-1, .hero-float-2, .hero-float-3 {
  position:absolute; border-radius:50%; pointer-events:none;
}
.hero-float-1 {
  width:120px; height:120px; top:20%; right:15%;
  background:rgba(236,72,153,0.08); filter:blur(40px);
  animation:floatSmall 6s ease-in-out infinite;
}
.hero-float-2 {
  width:80px; height:80px; top:60%; left:10%;
  background:rgba(255,255,255,0.05); filter:blur(30px);
  animation:floatSmall 8s ease-in-out infinite 1s;
}
.hero-float-3 {
  width:60px; height:60px; top:35%; left:40%;
  background:rgba(236,72,153,0.06); filter:blur(25px);
  animation:floatSmall 7s ease-in-out infinite 2s;
}
@keyframes floatSmall {
  0%,100% { transform:translateY(0) rotate(0deg); }
  50% { transform:translateY(-20px) rotate(5deg); }
}

.hero-content { position:relative; z-index:2; max-width:720px; }
.hero-badge {
  display:inline-flex; align-items:center; gap:8px;
  padding:10px 22px; border-radius:var(--radius-full);
  background:rgba(236,72,153,0.12); border:1px solid rgba(236,72,153,0.2);
  color:var(--primary); font-size:0.85rem; font-weight:600;
  margin-bottom:28px; letter-spacing:0.5px;
}
.hero-badge i { font-size:0.75rem; }

.hero h1 {
  font-size:clamp(2.6rem,5.5vw,4rem); font-weight:900;
  color:#fff; margin-bottom:24px; letter-spacing:-0.03em;
  line-height:1.1;
}
.hero h1 .highlight {
  background:linear-gradient(135deg,#EC4899,#F472B6,#EC4899);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent;
  background-clip:text; background-size:200% auto;
  animation:shimmer 4s ease-in-out infinite;
}
@keyframes shimmer {
  0%,100% { background-position:0% center; }
  50% { background-position:200% center; }
}

.hero p {
  font-size:1.15rem; color:rgba(255,255,255,0.6);
  margin-bottom:40px; max-width:560px; line-height:1.8;
}

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

.hero-stats {
  display:flex; gap:48px; margin-top:60px;
  padding-top:40px; border-top:1px solid rgba(255,255,255,0.08);
}
.hero-stat h3 {
  font-size:2rem; font-weight:800; color:#fff;
}
.hero-stat h3 span { color:var(--primary); }
.hero-stat p { font-size:0.85rem; color:rgba(255,255,255,0.4); margin:0; }

.hero-image {
  position:absolute; right:0; top:50%; transform:translateY(-50%);
  width:45%; max-width:580px; z-index:1; opacity:0.15;
}
.hero-image img { width:100%; border-radius:var(--radius-xl); }

/* ========== ABOUT ========== */
.about-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:60px;
  align-items:center;
}
.about-image {
  position:relative; border-radius:var(--radius-lg); overflow:hidden;
}
.about-image img {
  width:100%; height:480px; object-fit:cover;
  border-radius:var(--radius-lg);
}
.about-image .accent-box {
  position:absolute; bottom:-20px; right:-20px;
  width:180px; height:180px; border-radius:var(--radius-lg);
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  z-index:-1; opacity:0.15;
}

.about-vm-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:24px; margin-top:32px;
}
.vm-card {
  padding:24px; border-radius:var(--radius-md);
  background:var(--primary-50); border:1px solid var(--border);
}
.vm-card h4 { font-size:1.05rem; color:var(--primary-dark); margin-bottom:8px; }
.vm-card p { font-size:0.9rem; color:var(--text-light); line-height:1.7; }

.values-grid {
  display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:48px;
}
.value-item {
  text-align:center; padding:32px 24px;
  border-radius:var(--radius-md);
  background:var(--bg); border:1px solid var(--border);
  transition:var(--transition);
}
.value-item:hover {
  border-color:var(--primary);
  box-shadow:var(--shadow-glow);
  transform:translateY(-4px);
}
.value-item i {
  font-size:1.8rem; color:var(--primary); margin-bottom:16px;
}
.value-item h4 { font-size:1rem; margin-bottom:8px; }
.value-item p { font-size:0.85rem; color:var(--text-light); }

/* ========== METRICS ========== */
.metrics-section {
  background:linear-gradient(160deg,#0a0a1a 0%,#1a0a20 100%);
  padding:80px 0; position:relative; overflow:hidden;
}
.metrics-section::before {
  content:''; position:absolute; top:0; left:0; right:0; bottom:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23EC4899' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.metrics-grid {
  display:grid; grid-template-columns:repeat(4,1fr); gap:32px;
  position:relative; z-index:1;
}
.metric-card {
  text-align:center; padding:36px 24px;
  border-radius:var(--radius-lg);
  background:rgba(255,255,255,0.04);
  border:1px solid rgba(255,255,255,0.06);
  backdrop-filter:blur(10px);
  transition:var(--transition);
}
.metric-card:hover {
  background:rgba(255,255,255,0.08);
  border-color:rgba(236,72,153,0.2);
  transform:translateY(-4px);
}
.metric-card .metric-icon {
  width:56px; height:56px; border-radius:var(--radius-sm);
  background:linear-gradient(135deg,rgba(236,72,153,0.2),rgba(131,24,67,0.1));
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 20px; font-size:1.3rem; color:var(--primary);
}
.metric-card h3 {
  font-size:2.4rem; font-weight:800; color:#fff; margin-bottom:8px;
}
.metric-card h3 span { color:var(--primary); }
.metric-card p { font-size:0.9rem; color:rgba(255,255,255,0.5); }

/* ========== FEATURES / WHY CHOOSE ========== */
.features-grid {
  display:grid; grid-template-columns:repeat(3,1fr); gap:28px;
  margin-top:48px;
}
.feature-card { text-align:center; }
.feature-card .icon-box { margin:0 auto 20px; }
.feature-card h4 { font-size:1.1rem; margin-bottom:10px; }
.feature-card p { font-size:0.92rem; color:var(--text-light); line-height:1.7; }

/* ========== PROCESS ========== */
.process-track {
  display:grid; grid-template-columns:repeat(4,1fr); gap:0;
  margin-top:56px; position:relative;
}
.process-track::before {
  content:''; position:absolute; top:44px; left:10%; right:10%;
  height:2px; background:linear-gradient(90deg,var(--primary),var(--primary-dark));
  opacity:0.2;
}
.process-step {
  text-align:center; padding:0 16px; position:relative;
}
.process-step .step-num {
  width:56px; height:56px; border-radius:50%;
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  color:#fff; font-family:'Outfit',sans-serif;
  font-size:1.2rem; font-weight:800;
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 24px; position:relative; z-index:2;
  box-shadow:0 8px 24px rgba(236,72,153,0.3);
}
.process-step h4 { font-size:1.05rem; margin-bottom:8px; }
.process-step p { font-size:0.88rem; color:var(--text-light); line-height:1.7; }

/* ========== SERVICES ========== */
.services-grid {
  display:grid; grid-template-columns:repeat(2,1fr); gap:28px;
  margin-top:48px;
}
.service-card {
  display:flex; gap:24px; padding:36px;
  border-radius:var(--radius-lg);
  background:var(--bg); border:1px solid var(--border);
  transition:var(--transition);
}
.service-card:hover {
  border-color:var(--primary);
  box-shadow:var(--shadow-glow);
  transform:translateY(-4px);
}
.service-card .icon-box { margin-bottom:0; flex-shrink:0; }
.service-card h4 { font-size:1.1rem; margin-bottom:8px; }
.service-card p { font-size:0.9rem; color:var(--text-light); line-height:1.7; }
.service-card .service-link {
  display:inline-flex; align-items:center; gap:6px;
  margin-top:12px; font-size:0.88rem; font-weight:600;
  color:var(--primary);
}
.service-card .service-link:hover { gap:10px; }

/* Service Detail Page */
.service-detail-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:60px;
  align-items:center; padding:60px 0;
  border-bottom:1px solid var(--border);
}
.service-detail-grid:last-child { border-bottom:none; }
.service-detail-grid.reverse { direction:rtl; }
.service-detail-grid.reverse > * { direction:ltr; }
.service-detail-img {
  border-radius:var(--radius-lg); overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.service-detail-img img {
  width:100%; height:360px; object-fit:cover;
}
.service-features-list { margin-top:20px; }
.service-features-list li {
  display:flex; align-items:flex-start; gap:12px;
  padding:8px 0; font-size:0.95rem; color:var(--text-light);
}
.service-features-list li i {
  color:var(--primary); margin-top:4px; font-size:0.8rem;
}

/* ========== PRICING ========== */
.pricing-grid {
  display:grid; grid-template-columns:repeat(3,1fr); gap:28px;
  margin-top:48px;
}
.pricing-card {
  padding:40px 32px; border-radius:var(--radius-lg);
  background:var(--bg); border:2px solid var(--border);
  text-align:center; transition:var(--transition);
  position:relative; overflow:hidden;
}
.pricing-card.featured {
  border-color:var(--primary);
  box-shadow:var(--shadow-glow);
  transform:scale(1.04);
}
.pricing-card.featured .pricing-badge {
  position:absolute; top:20px; right:-32px;
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  color:#fff; font-size:0.75rem; font-weight:700;
  padding:6px 40px; transform:rotate(45deg);
  letter-spacing:1px; text-transform:uppercase;
}
.pricing-card h4 { font-size:1.2rem; margin-bottom:8px; }
.pricing-card .price {
  font-family:'Outfit',sans-serif; font-size:3rem; font-weight:900;
  color:var(--primary-dark); margin:20px 0;
}
.pricing-card .price span { font-size:1rem; font-weight:400; color:var(--text-muted); }
.pricing-card .price-desc { font-size:0.9rem; color:var(--text-light); margin-bottom:24px; }
.pricing-card ul { margin-bottom:32px; }
.pricing-card ul li {
  padding:10px 0; font-size:0.92rem; color:var(--text-secondary);
  border-bottom:1px solid var(--border-light);
  display:flex; align-items:center; gap:10px;
}
.pricing-card ul li i { color:var(--primary); font-size:0.8rem; }

/* ========== CTA SECTION ========== */
.cta-section {
  padding:80px 0; position:relative; overflow:hidden;
  background:linear-gradient(160deg,#0a0a1a 0%,#1a0a20 100%);
}
.cta-section::before {
  content:''; position:absolute; top:-100px; right:-100px;
  width:400px; height:400px; border-radius:50%;
  background:radial-gradient(circle,rgba(236,72,153,0.2),transparent 70%);
}
.cta-inner {
  display:flex; align-items:center; justify-content:space-between;
  gap:40px; position:relative; z-index:1;
}
.cta-inner h2 {
  font-size:clamp(1.8rem,3.5vw,2.6rem); color:#fff;
  max-width:600px; letter-spacing:-0.02em;
}
.cta-inner p { color:rgba(255,255,255,0.5); margin-top:12px; max-width:500px; }

/* ========== MORTGAGE SECTION ========== */
.mortgage-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:60px;
  align-items:center;
}
.mortgage-image {
  border-radius:var(--radius-lg); overflow:hidden;
  box-shadow:var(--shadow-xl);
}
.mortgage-image img {
  width:100%; height:440px; object-fit:cover;
}
.mortgage-features { margin-top:24px; }
.mortgage-features li {
  display:flex; align-items:center; gap:14px;
  padding:12px 0; font-size:0.95rem; color:var(--text-secondary);
}
.mortgage-features li .mf-icon {
  width:40px; height:40px; border-radius:var(--radius-sm);
  background:var(--primary-light); color:var(--primary);
  display:flex; align-items:center; justify-content:center;
  font-size:0.9rem; flex-shrink:0;
}

/* ========== FORMS ========== */
.form-section {
  background:var(--primary-50); border-radius:var(--radius-xl);
  padding:60px; position:relative; overflow:hidden;
}
.form-section::before {
  content:''; position:absolute; top:-50px; right:-50px;
  width:200px; height:200px; border-radius:50%;
  background:rgba(236,72,153,0.06); filter:blur(40px);
}

.form-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:20px;
}
.form-grid .full-width { grid-column:1/-1; }

.form-group { position:relative; }
.form-group label {
  display:block; font-size:0.85rem; font-weight:600;
  color:var(--text-secondary); margin-bottom:8px;
}
.form-group input,
.form-group textarea,
.form-group select {
  width:100%; padding:16px 20px; font-size:0.95rem;
  background:var(--bg); border:2px solid var(--border);
  border-radius:var(--radius-sm); color:var(--text);
  transition:var(--transition-fast);
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color:var(--primary);
  box-shadow:0 0 0 4px rgba(236,72,153,0.08);
}
.form-group textarea { resize:vertical; min-height:120px; }

.form-status {
  padding:14px 20px; border-radius:var(--radius-sm);
  font-size:0.9rem; font-weight:500; margin-top:16px;
  display:none;
}
.form-status.success {
  display:block;
  background:rgba(16,185,129,0.1); color:#059669;
  border:1px solid rgba(16,185,129,0.2);
}
.form-status.error {
  display:block;
  background:rgba(239,68,68,0.1); color:#DC2626;
  border:1px solid rgba(239,68,68,0.2);
}

/* ========== TESTIMONIALS ========== */
.testimonials-grid {
  display:grid; grid-template-columns:repeat(3,1fr); gap:28px;
  margin-top:48px;
}
.testimonial-card {
  padding:32px; border-radius:var(--radius-lg);
  background:var(--bg); border:1px solid var(--border);
  transition:var(--transition); position:relative;
}
.testimonial-card:hover {
  box-shadow:var(--shadow-lg); transform:translateY(-4px);
}
.testimonial-card .stars {
  display:flex; gap:3px; margin-bottom:16px;
}
.testimonial-card .stars i { color:#FBBF24; font-size:0.85rem; }
.testimonial-card .quote {
  font-size:0.95rem; color:var(--text-secondary);
  line-height:1.8; margin-bottom:24px; font-style:italic;
}
.testimonial-author {
  display:flex; align-items:center; gap:14px;
}
.testimonial-author img {
  width:48px; height:48px; border-radius:50%; object-fit:cover;
  border:2px solid var(--primary-light);
}
.testimonial-author h5 { font-size:0.95rem; font-weight:600; }
.testimonial-author p { font-size:0.8rem; color:var(--text-muted); }

/* ========== FAQ ========== */
.faq-list { max-width:800px; margin:48px auto 0; }
.faq-item {
  border:1px solid var(--border); border-radius:var(--radius-md);
  margin-bottom:12px; overflow:hidden;
  background:var(--bg); transition:var(--transition-fast);
}
.faq-item.active { border-color:var(--primary); box-shadow:var(--shadow-glow); }
.faq-question {
  display:flex; align-items:center; justify-content:space-between;
  padding:22px 28px; cursor:pointer; font-weight:600;
  font-size:1rem; color:var(--text); transition:var(--transition-fast);
  background:none; width:100%; text-align:left;
}
.faq-question:hover { color:var(--primary); }
.faq-question i {
  transition:transform 0.3s ease; font-size:0.85rem; color:var(--primary);
}
.faq-item.active .faq-question i { transform:rotate(180deg); }
.faq-answer {
  max-height:0; overflow:hidden; transition:max-height 0.4s ease, padding 0.3s ease;
}
.faq-item.active .faq-answer { max-height:300px; }
.faq-answer p {
  padding:0 28px 22px; font-size:0.92rem;
  color:var(--text-light); line-height:1.8;
}

/* ========== CONTACT ========== */
.contact-grid {
  display:grid; grid-template-columns:1fr 1.2fr; gap:48px;
  margin-top:48px;
}
.contact-info-cards { display:flex; flex-direction:column; gap:20px; }
.contact-info-card {
  display:flex; align-items:flex-start; gap:20px;
  padding:28px; border-radius:var(--radius-md);
  background:var(--bg); border:1px solid var(--border);
  transition:var(--transition);
}
.contact-info-card:hover {
  border-color:var(--primary); box-shadow:var(--shadow-glow);
}
.contact-info-card .ci-icon {
  width:52px; height:52px; border-radius:var(--radius-sm);
  background:linear-gradient(135deg,rgba(236,72,153,0.1),rgba(131,24,67,0.05));
  color:var(--primary); display:flex; align-items:center;
  justify-content:center; font-size:1.2rem; flex-shrink:0;
}
.contact-info-card h4 { font-size:1rem; margin-bottom:6px; }
.contact-info-card p { font-size:0.9rem; color:var(--text-light); }
.contact-info-card a { color:var(--primary); font-weight:500; }
.contact-info-card a:hover { text-decoration:underline; }

.contact-form-card {
  padding:40px; border-radius:var(--radius-lg);
  background:var(--bg); border:1px solid var(--border);
  box-shadow:var(--shadow-md);
}

/* ========== NEWSLETTER ========== */
.newsletter-form {
  display:flex; gap:12px; margin-top:16px;
}
.newsletter-form input {
  flex:1; padding:14px 20px; border-radius:var(--radius-full);
  background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.1);
  color:#fff; font-size:0.9rem;
}
.newsletter-form input::placeholder { color:rgba(255,255,255,0.3); }
.newsletter-form input:focus {
  border-color:var(--primary); background:rgba(255,255,255,0.12);
}
.newsletter-form button {
  padding:14px 28px; border-radius:var(--radius-full);
  background:var(--primary); color:#fff; font-weight:600;
  font-size:0.9rem; transition:var(--transition);
}
.newsletter-form button:hover {
  background:var(--primary-dark); transform:translateY(-2px);
}
.newsletter-status {
  margin-top:10px; font-size:0.85rem; display:none;
}
.newsletter-status.success { display:block; color:#34D399; }
.newsletter-status.error { display:block; color:#F87171; }

/* ========== FOOTER ========== */
.footer {
  background:linear-gradient(160deg,#0a0a1a 0%,#1a0a20 100%);
  padding:80px 0 0; position:relative; overflow:hidden;
}
.footer::before {
  content:''; position:absolute; top:0; left:0; right:0; height:1px;
  background:linear-gradient(90deg,transparent,rgba(236,72,153,0.3),transparent);
}
.footer-grid {
  display:grid; grid-template-columns:1.5fr 1fr 1fr 1.3fr; gap:48px;
  padding-bottom:60px; position:relative; z-index:1;
}
.footer-about .footer-logo {
  display:flex; align-items:center; gap:12px;
  font-family:'Outfit',sans-serif; font-size:1.3rem; font-weight:800;
  color:#fff; margin-bottom:20px;
}
.footer-about .footer-logo .logo-icon {
  width:40px; height:40px; border-radius:var(--radius-sm);
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  display:flex; align-items:center; justify-content:center;
  color:#fff; font-size:1rem;
}
.footer-about p {
  font-size:0.9rem; color:rgba(255,255,255,0.45); line-height:1.8;
  margin-bottom:20px;
}
.footer-socials { display:flex; gap:12px; }
.footer-socials a {
  width:40px; height:40px; border-radius:50%;
  background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.08);
  display:flex; align-items:center; justify-content:center;
  color:rgba(255,255,255,0.5); font-size:0.9rem;
  transition:var(--transition-fast);
}
.footer-socials a:hover {
  background:var(--primary); border-color:var(--primary); color:#fff;
  transform:translateY(-3px);
}

.footer-col h4 {
  font-size:1rem; font-weight:700; color:#fff;
  margin-bottom:24px; letter-spacing:0.02em;
}
.footer-col ul li { margin-bottom:12px; }
.footer-col ul li a {
  font-size:0.9rem; color:rgba(255,255,255,0.45);
  transition:var(--transition-fast);
  display:flex; align-items:center; gap:8px;
}
.footer-col ul li a:hover {
  color:var(--primary); transform:translateX(4px);
}
.footer-col ul li a i { font-size:0.65rem; opacity:0; transition:var(--transition-fast); }
.footer-col ul li a:hover i { opacity:1; }

.footer-bottom {
  border-top:1px solid rgba(255,255,255,0.06);
  padding:24px 0; display:flex; align-items:center;
  justify-content:space-between; flex-wrap:wrap; gap:16px;
  position:relative; z-index:1;
}
.footer-bottom p {
  font-size:0.85rem; color:rgba(255,255,255,0.35);
}
.footer-bottom-links { display:flex; gap:24px; }
.footer-bottom-links a {
  font-size:0.85rem; color:rgba(255,255,255,0.35);
}
.footer-bottom-links a:hover { color:var(--primary); }

/* ========== PAGE HEADER ========== */
.page-header {
  padding:160px 0 80px; position:relative; overflow:hidden;
  background:linear-gradient(160deg,#0a0a1a 0%,#1a0a20 100%);
  text-align:center;
}
.page-header::before {
  content:''; position:absolute; top:-100px; left:50%;
  transform:translateX(-50%); width:600px; height:600px;
  border-radius:50%;
  background:radial-gradient(circle,rgba(236,72,153,0.12),transparent 70%);
}
.page-header h1 {
  font-size:clamp(2.2rem,4vw,3.2rem); color:#fff;
  position:relative; z-index:1; letter-spacing:-0.02em;
}
.page-header p {
  font-size:1.05rem; color:rgba(255,255,255,0.5);
  max-width:560px; margin:16px auto 0; position:relative; z-index:1;
}
.breadcrumb {
  display:flex; align-items:center; justify-content:center;
  gap:10px; margin-top:24px; position:relative; z-index:1;
}
.breadcrumb a {
  font-size:0.88rem; color:rgba(255,255,255,0.4);
}
.breadcrumb a:hover { color:var(--primary); }
.breadcrumb span { font-size:0.88rem; color:var(--primary); }

/* ========== SCROLL REVEAL ========== */
.reveal {
  opacity:0; transform:translateY(40px);
  transition:opacity 0.8s ease, transform 0.8s ease;
}
.reveal.revealed { opacity:1; transform:translateY(0); }
.reveal-left {
  opacity:0; transform:translateX(-40px);
  transition:opacity 0.8s ease, transform 0.8s ease;
}
.reveal-left.revealed { opacity:1; transform:translateX(0); }
.reveal-right {
  opacity:0; transform:translateX(40px);
  transition:opacity 0.8s ease, transform 0.8s ease;
}
.reveal-right.revealed { opacity:1; transform:translateX(0); }
.reveal-scale {
  opacity:0; transform:scale(0.9);
  transition:opacity 0.8s ease, transform 0.8s ease;
}
.reveal-scale.revealed { opacity:1; transform:scale(1); }

/* ========== RESPONSIVE ========== */
@media(max-width:1024px) {
  .features-grid { grid-template-columns:repeat(2,1fr); }
  .pricing-grid { grid-template-columns:repeat(2,1fr); }
  .pricing-card.featured { transform:none; }
  .pricing-card.featured .pricing-badge { top:14px; right:-28px; }
  .testimonials-grid { grid-template-columns:repeat(2,1fr); }
  .footer-grid { grid-template-columns:repeat(2,1fr); }
  .metrics-grid { grid-template-columns:repeat(2,1fr); }
  .process-track { grid-template-columns:repeat(2,1fr); gap:32px; }
  .process-track::before { display:none; }
}

@media(max-width:768px) {
  .nav-links {
    position:fixed; top:0; right:-100%; width:300px; height:100vh;
    background:rgba(255,255,255,0.97); backdrop-filter:blur(24px);
    flex-direction:column; padding:100px 32px 40px;
    gap:4px; transition:right 0.4s ease;
    box-shadow:-10px 0 40px rgba(0,0,0,0.1);
  }
  .nav-links.open { right:0; }
  .nav-links a { width:100%; padding:14px 20px; border-radius:var(--radius-sm); }
  .nav-toggle { display:flex; }

  .navbar.scrolled .nav-toggle span { background:var(--text); }
.navbar.scrolled .nav-logo span { color:var(--primary-dark); }
.navbar.scrolled .nav-links a { color:var(--text-secondary); }
.navbar.scrolled .nav-links a:hover,
.navbar.scrolled .nav-links a.active { color:var(--primary); background:var(--primary-light); }

  .hero { padding:120px 0 80px; }
  .hero h1 { font-size:clamp(2rem,6vw,2.8rem); }
  .hero-stats { flex-direction:column; gap:20px; }
  .hero-image { display:none; }
  .hero-btns { flex-direction:column; }
  .hero-btns .btn { justify-content:center; }

  .about-grid { grid-template-columns:1fr; gap:40px; }
  .about-image img { height:320px; }
  .about-vm-grid { grid-template-columns:1fr; }
  .values-grid { grid-template-columns:1fr 1fr; }

  .features-grid { grid-template-columns:1fr; }
  .process-track { grid-template-columns:1fr; }
  .services-grid { grid-template-columns:1fr; }
  .pricing-grid { grid-template-columns:1fr; }
  .testimonials-grid { grid-template-columns:1fr; }
  .metrics-grid { grid-template-columns:1fr 1fr; }

  .cta-inner { flex-direction:column; text-align:center; }
  .cta-inner p { margin:12px auto 0; }

  .mortgage-grid { grid-template-columns:1fr; }
  .mortgage-image img { height:300px; }

  .contact-grid { grid-template-columns:1fr; }
  .form-grid { grid-template-columns:1fr; }

  .form-section { padding:36px 24px; }
  .footer-grid { grid-template-columns:1fr; gap:36px; }
  .footer-bottom { flex-direction:column; text-align:center; }

  .section { padding:70px 0; }
  .service-detail-grid { grid-template-columns:1fr; }
  .service-detail-grid.reverse { direction:ltr; }
  .service-detail-img img { height:280px; }
}

@media(max-width:480px) {
  .container { padding:0 16px; }
  .values-grid { grid-template-columns:1fr; }
  .metrics-grid { grid-template-columns:1fr; }
  .newsletter-form { flex-direction:column; }
  .hero-stats { padding-top:24px; }
}



/* ========== NAVIGATION ========== */
.navbar {
  position:fixed; top:0; left:0; width:100%; z-index:1000;
  padding:18px 0; transition:var(--transition);
}
.navbar.scrolled {
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(24px); -webkit-backdrop-filter:blur(24px);
  border-bottom:1px solid var(--border-light);
  padding:12px 0;
  box-shadow:var(--shadow-sm);
}

.nav-inner {
  display:flex; align-items:center; justify-content:space-between;
  max-width:1240px; margin:0 auto; padding:0 24px;
}

.nav-logo {
  display:flex; align-items:center; gap:12px;
  font-family:'Outfit',sans-serif; font-size:1.35rem; font-weight:800;
}
.nav-logo .logo-icon {
  width:42px; height:42px; border-radius:var(--radius-sm);
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  display:flex; align-items:center; justify-content:center;
  color:#fff; font-size:1.1rem;
}

/* Logo text — default white, scrolled dark */
.nav-logo span {
  color:#fff;
  transition:color 0.4s ease;
}
.navbar.scrolled .nav-logo span {
  color:var(--primary-dark);
}

/* Nav links — default white, scrolled dark */
.nav-links {
  display:flex; align-items:center; gap:6px;
}
.nav-links a {
  padding:10px 18px; font-size:0.92rem; font-weight:500;
  color:rgba(255,255,255,0.7);
  border-radius:var(--radius-full);
  transition:var(--transition-fast);
}
.nav-links a:hover,
.nav-links a.active {
  color:#fff;
  background:rgba(255,255,255,0.1);
}

/* Scrolled state — dark text */
.navbar.scrolled .nav-links a {
  color:var(--text-secondary);
}
.navbar.scrolled .nav-links a:hover,
.navbar.scrolled .nav-links a.active {
  color:var(--primary);
  background:var(--primary-light);
}

/* CTA button */
.nav-cta {
  padding:12px 28px !important; font-size:0.9rem !important;
  background:linear-gradient(135deg,var(--primary),var(--primary-dark)) !important;
  color:#fff !important;
  border-radius:var(--radius-full) !important;
  box-shadow:0 6px 24px rgba(236,72,153,0.25);
}
.nav-cta:hover {
  transform:translateY(-2px) !important;
  box-shadow:0 10px 32px rgba(236,72,153,0.35) !important;
  background:linear-gradient(135deg,var(--primary-dark),var(--primary)) !important;
  color:#fff !important;
}

/* Hamburger — default white, scrolled dark */
.nav-toggle {
  display:none; flex-direction:column; gap:5px;
  width:30px; height:24px; background:none; padding:0;
  position:relative; z-index:1001;
}
.nav-toggle span {
  display:block; width:100%; height:2.5px; border-radius:2px;
  background:#fff;
  transition:var(--transition-fast);
}
.nav-toggle.active span:nth-child(1) { transform:rotate(45deg) translate(5px,5px); }
.nav-toggle.active span:nth-child(2) { opacity:0; }
.nav-toggle.active span:nth-child(3) { transform:rotate(-45deg) translate(5px,-5px); }

.navbar.scrolled .nav-toggle span {
  background:var(--text);
}