/* ============================================================
   MZAZI TECH ENTERPRISE — Global Stylesheet
   ============================================================ */

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

/* ---- CSS Custom Properties ---- */
:root {
  --primary: #1a56db;
  --primary-dark: #1040b0;
  --primary-light: #3b82f6;
  --secondary: #7c3aed;
  --accent: #06b6d4;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;
  --gold: #f59e0b;

  --bg: #f0f4ff;
  --bg-secondary: #e8eeff;
  --surface: #ffffff;
  --surface-2: #f8faff;
  --glass: rgba(255,255,255,0.72);
  --glass-border: rgba(255,255,255,0.5);

  --text: #0f172a;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --border: rgba(148,163,184,0.25);

  --nav-h: 72px;
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 12px rgba(26,86,219,0.08);
  --shadow: 0 8px 32px rgba(26,86,219,0.12);
  --shadow-lg: 0 20px 60px rgba(26,86,219,0.18);
  --transition: all 0.28s cubic-bezier(0.4,0,0.2,1);

  --grad-primary: linear-gradient(135deg, #1a56db 0%, #7c3aed 100%);
  --grad-accent: linear-gradient(135deg, #06b6d4 0%, #1a56db 100%);
  --grad-gold: linear-gradient(135deg, #f59e0b 0%, #ef4444 100%);
  --grad-bg: linear-gradient(135deg, #e8eeff 0%, #f0f4ff 50%, #faf5ff 100%);
  --grad-hero: linear-gradient(135deg, #0f172a 0%, #1e1b4b 40%, #1a56db 100%);
}

/* Dark Mode */
[data-theme="dark"] {
  --bg: #070d1f;
  --bg-secondary: #0d1631;
  --surface: #111827;
  --surface-2: #1a2440;
  --glass: rgba(17,24,39,0.80);
  --glass-border: rgba(255,255,255,0.08);

  --text: #f1f5f9;
  --text-muted: #94a3b8;
  --text-light: #64748b;
  --border: rgba(255,255,255,0.08);

  --shadow-sm: 0 2px 12px rgba(0,0,0,0.4);
  --shadow: 0 8px 32px rgba(0,0,0,0.5);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.6);
  --grad-bg: linear-gradient(135deg, #070d1f 0%, #0d1631 50%, #1a1040 100%);
}

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

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

body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  transition: background 0.4s ease, color 0.4s ease;
}

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

/* ---- Scrollbar ---- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--primary); border-radius: 99px; }

/* ---- Typography ---- */
h1,h2,h3,h4,h5,h6 { font-family: 'Poppins', sans-serif; font-weight: 700; line-height: 1.2; }
.text-gradient {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ============================================================
   UTILITY CLASSES
   ============================================================ */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.gap-4 { gap: 16px; }
.gap-6 { gap: 24px; }
.gap-8 { gap: 32px; }
.text-center { text-align: center; }
.hidden { display: none !important; }
.relative { position: relative; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--grad-primary);
  color: #fff;
  box-shadow: 0 4px 20px rgba(26,86,219,0.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(26,86,219,0.5); }
.btn-outline {
  background: transparent;
  border: 2px solid var(--primary);
  color: var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-white {
  background: #fff;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-success {
  background: linear-gradient(135deg, #10b981, #059669);
  color: #fff;
  box-shadow: 0 4px 20px rgba(16,185,129,0.35);
}
.btn-success:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(16,185,129,0.5); }
.btn-danger {
  background: linear-gradient(135deg, #ef4444, #dc2626);
  color: #fff;
  box-shadow: 0 4px 20px rgba(239,68,68,0.35);
}
.btn-lg { padding: 18px 36px; font-size: 1.05rem; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-wa {
  background: linear-gradient(135deg, #25d366, #128c7e);
  color: #fff;
  box-shadow: 0 4px 20px rgba(37,211,102,0.35);
}
.btn-wa:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(37,211,102,0.5); }
.btn-loading { opacity: 0.75; pointer-events: none; }

/* ============================================================
   CARDS / GLASS
   ============================================================ */
.card {
  background: var(--surface);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card-glass {
  background: var(--glass);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
}
.card-gradient {
  background: var(--grad-primary);
  color: #fff;
  border-radius: var(--radius);
}

/* ============================================================
   FORM ELEMENTS
   ============================================================ */
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }
.form-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text);
}
.form-control {
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  font-size: 0.95rem;
  transition: var(--transition);
  width: 100%;
}
.form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.12);
  background: var(--surface);
}
.form-control::placeholder { color: var(--text-light); }
.form-control.error { border-color: var(--danger); }
.form-error { font-size: 0.8rem; color: var(--danger); margin-top: 4px; }
.input-group { position: relative; }
.input-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  pointer-events: none;
}
.input-group .form-control { padding-left: 48px; }
.input-prefix {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  cursor: pointer;
}
select.form-control { appearance: none; -webkit-appearance: none; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  transition: var(--transition);
}
.navbar.scrolled {
  background: var(--glass);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--glass-border);
  box-shadow: var(--shadow-sm);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 42px; height: 42px;
  background: var(--grad-primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.1rem;
  font-weight: 800;
  box-shadow: 0 4px 16px rgba(26,86,219,0.35);
}
.logo-text { font-family: 'Poppins', sans-serif; font-weight: 800; font-size: 1.05rem; }
.logo-sub { font-size: 0.65rem; color: var(--text-muted); font-weight: 400; letter-spacing: 0.1em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 2px;
  background: var(--grad-primary);
  border-radius: 99px;
  transform: scaleX(0);
  transition: var(--transition);
}
.nav-links a:hover, .nav-links a.active { color: var(--primary); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.theme-toggle {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--surface-2);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-muted);
  transition: var(--transition);
  font-size: 1rem;
}
.theme-toggle:hover { background: var(--primary); color: #fff; border-color: var(--primary); }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 99px; transition: var(--transition); }
.mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0; right: 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 24px;
  z-index: 999;
  flex-direction: column;
  gap: 16px;
  box-shadow: var(--shadow);
}
.mobile-menu.open { display: flex; }
.mobile-menu a { font-size: 1rem; font-weight: 500; padding: 12px 0; border-bottom: 1px solid var(--border); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  min-height: 100vh;
  background: var(--grad-hero);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: var(--nav-h);
}
.hero-bg-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.3;
  animation: orb-float 8s ease-in-out infinite;
}
.hero-bg-orb-1 { width: 600px; height: 600px; background: #1a56db; top: -200px; right: -100px; }
.hero-bg-orb-2 { width: 400px; height: 400px; background: #7c3aed; bottom: -100px; left: -100px; animation-delay: -4s; }
.hero-bg-orb-3 { width: 300px; height: 300px; background: #06b6d4; top: 50%; left: 40%; animation-delay: -2s; }
@keyframes orb-float {
  0%,100% { transform: translate(0,0) scale(1); }
  33% { transform: translate(30px,-20px) scale(1.05); }
  66% { transform: translate(-20px,30px) scale(0.95); }
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 80px 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 99px;
  padding: 8px 18px;
  font-size: 0.8rem;
  font-weight: 600;
  color: #fff;
  margin-bottom: 24px;
}
.hero-badge-dot { width: 8px; height: 8px; border-radius: 50%; background: #10b981; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }
.hero-title { font-size: clamp(2.4rem, 5vw, 3.8rem); color: #fff; margin-bottom: 20px; }
.hero-title span { color: #93c5fd; }
.hero-subtitle { font-size: 1.1rem; color: rgba(255,255,255,0.75); margin-bottom: 36px; max-width: 480px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 32px; }
.hero-stat-item { }
.hero-stat-num { font-size: 1.8rem; font-weight: 800; color: #fff; font-family: 'Poppins', sans-serif; }
.hero-stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.6); font-weight: 500; }
.hero-right { display: flex; justify-content: center; align-items: center; }
.hero-card {
  background: var(--glass);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  width: 100%;
  max-width: 400px;
  box-shadow: var(--shadow-lg);
  animation: card-float 6s ease-in-out infinite;
}
@keyframes card-float {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}
.hero-card-title { font-size: 1.2rem; font-weight: 700; color: #fff; margin-bottom: 4px; }
.hero-card-sub { font-size: 0.82rem; color: rgba(255,255,255,0.65); margin-bottom: 28px; }
.calc-row { margin-bottom: 18px; }
.calc-label { font-size: 0.8rem; color: rgba(255,255,255,0.7); font-weight: 500; margin-bottom: 8px; }
.calc-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: 99px;
  background: rgba(255,255,255,0.2);
  outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--grad-primary);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,0,0,0.3);
}
.calc-value { font-size: 1.1rem; font-weight: 700; color: #fff; margin-top: 8px; }
.calc-divider { height: 1px; background: rgba(255,255,255,0.12); margin: 20px 0; }
.calc-result-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.calc-result-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); }
.calc-result-value { font-size: 1rem; font-weight: 700; color: #93c5fd; }
.calc-total { font-size: 1.4rem; font-weight: 800; color: #fff; }

/* ============================================================
   SECTION HEADING
   ============================================================ */
.section-heading { text-align: center; margin-bottom: 64px; }
.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,86,219,0.08);
  color: var(--primary);
  border-radius: 99px;
  padding: 6px 16px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.section-heading h2 { font-size: clamp(1.8rem, 3vw, 2.8rem); margin-bottom: 16px; }
.section-heading p { font-size: 1.05rem; color: var(--text-muted); max-width: 600px; margin: 0 auto; }

/* ============================================================
   SERVICES
   ============================================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  padding: 36px 28px;
  background: var(--surface);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  text-align: center;
  transition: var(--transition);
  cursor: default;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.service-icon {
  width: 72px; height: 72px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 24px;
}
.service-icon-blue { background: rgba(26,86,219,0.1); color: var(--primary); }
.service-icon-purple { background: rgba(124,58,237,0.1); color: var(--secondary); }
.service-icon-cyan { background: rgba(6,182,212,0.1); color: var(--accent); }
.service-icon-green { background: rgba(16,185,129,0.1); color: var(--success); }
.service-icon-gold { background: rgba(245,158,11,0.1); color: var(--gold); }
.service-icon-red { background: rgba(239,68,68,0.1); color: var(--danger); }
.service-card h3 { font-size: 1.15rem; margin-bottom: 12px; }
.service-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.why-content h2 { font-size: 2.4rem; margin-bottom: 20px; }
.why-content p { color: var(--text-muted); font-size: 1rem; margin-bottom: 36px; }
.why-features { display: flex; flex-direction: column; gap: 20px; }
.why-feature {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 20px;
  background: var(--surface);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.why-feature:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); }
.why-feature-icon {
  width: 48px; height: 48px; min-width: 48px;
  border-radius: 12px;
  background: var(--grad-primary);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 1.1rem;
}
.why-feature h4 { font-size: 1rem; margin-bottom: 4px; }
.why-feature p { font-size: 0.85rem; color: var(--text-muted); margin: 0; }
.why-visual {
  background: var(--grad-primary);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  color: #fff;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.why-visual::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
}
.why-visual-title { font-size: 1.5rem; margin-bottom: 32px; }
.rates-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; margin-bottom: 32px; }
.rate-item { text-align: center; background: rgba(255,255,255,0.1); border-radius: var(--radius); padding: 20px 12px; }
.rate-num { font-size: 2rem; font-weight: 900; color: #fbbf24; font-family: 'Poppins', sans-serif; }
.rate-period { font-size: 0.75rem; color: rgba(255,255,255,0.75); margin-top: 4px; }
.amounts-row { display: flex; gap: 12px; }
.amount-badge {
  padding: 10px 16px;
  background: rgba(255,255,255,0.12);
  border-radius: 99px;
  font-size: 0.85rem;
  font-weight: 600;
}

/* ============================================================
   STATISTICS
   ============================================================ */
.stats-section { background: var(--grad-primary); padding: 80px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
.stat-item {}
.stat-num { font-size: clamp(2rem, 4vw, 3rem); font-weight: 900; color: #fff; font-family: 'Poppins', sans-serif; }
.stat-label { font-size: 0.9rem; color: rgba(255,255,255,0.75); font-weight: 500; margin-top: 8px; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.testimonial-card {
  padding: 32px;
  background: var(--surface);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.test-stars { color: #f59e0b; font-size: 0.9rem; margin-bottom: 16px; }
.test-text { font-size: 0.95rem; color: var(--text-muted); line-height: 1.75; margin-bottom: 24px; }
.test-author { display: flex; align-items: center; gap: 14px; }
.test-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--grad-primary);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 1.1rem;
}
.test-name { font-size: 0.95rem; font-weight: 700; }
.test-role { font-size: 0.78rem; color: var(--text-muted); }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: var(--grad-primary);
  padding: 96px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before, .cta-section::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
}
.cta-section::before { width: 500px; height: 500px; top: -200px; left: -100px; }
.cta-section::after { width: 400px; height: 400px; bottom: -150px; right: -50px; }
.cta-title { font-size: clamp(2rem, 4vw, 3rem); color: #fff; margin-bottom: 20px; position: relative; z-index: 1; }
.cta-sub { font-size: 1.1rem; color: rgba(255,255,255,0.8); margin-bottom: 40px; position: relative; z-index: 1; }
.cta-actions { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; position: relative; z-index: 1; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { background: #070d1f; color: rgba(255,255,255,0.8); padding: 80px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 64px; }
.footer-brand p { font-size: 0.9rem; color: rgba(255,255,255,0.55); margin-top: 16px; max-width: 300px; }
.footer-social { display: flex; gap: 12px; margin-top: 24px; }
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--primary); color: #fff; }
.footer-col h4 { font-size: 0.95rem; font-weight: 700; color: #fff; margin-bottom: 20px; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: var(--transition); }
.footer-col ul li a:hover { color: var(--primary-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
}

/* ============================================================
   LOAN ELIGIBILITY CHECKER SECTION
   ============================================================ */
.eligibility-section { background: var(--bg-secondary); padding: 80px 0; }
.eligibility-inner {
  max-width: 700px;
  margin: 0 auto;
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.eligibility-result {
  margin-top: 24px;
  padding: 20px;
  border-radius: var(--radius-sm);
  display: none;
  font-size: 1rem;
  font-weight: 600;
  text-align: center;
}
.eligibility-result.eligible { background: rgba(16,185,129,0.1); color: var(--success); border: 1px solid rgba(16,185,129,0.3); }
.eligibility-result.not-eligible { background: rgba(239,68,68,0.1); color: var(--danger); border: 1px solid rgba(239,68,68,0.3); }

/* ============================================================
   EMI CALCULATOR
   ============================================================ */
.emi-section { padding: 80px 0; }
.emi-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.emi-form { background: var(--surface); border-radius: var(--radius); padding: 40px; border: 1px solid var(--border); }
.emi-result {
  background: var(--grad-primary);
  border-radius: var(--radius);
  padding: 40px;
  color: #fff;
}
.emi-result-item { margin-bottom: 20px; }
.emi-result-label { font-size: 0.85rem; color: rgba(255,255,255,0.7); margin-bottom: 4px; }
.emi-result-value { font-size: 1.6rem; font-weight: 800; font-family: 'Poppins', sans-serif; }

/* ============================================================
   PAGE HEADER (inner pages)
   ============================================================ */
.page-header {
  background: var(--grad-hero);
  padding: 120px 0 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 80px;
  background: var(--bg);
  clip-path: ellipse(60% 100% at 50% 100%);
}
.page-header h1 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 12px; position: relative; z-index: 1; }
.page-header p { color: rgba(255,255,255,0.75); font-size: 1rem; position: relative; z-index: 1; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-top: 12px;
  position: relative; z-index: 1;
}
.breadcrumb a { color: rgba(255,255,255,0.8); }
.breadcrumb a:hover { color: #fff; }

/* ============================================================
   LOGIN PAGE
   ============================================================ */
.login-page {
  min-height: 100vh;
  background: var(--grad-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 100px 24px 40px;
}
.login-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  max-width: 960px;
  width: 100%;
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}
.login-left {
  background: var(--grad-primary);
  padding: 64px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.login-left::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 280px; height: 280px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
}
.login-left::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
}
.login-left h2 { font-size: 2.2rem; margin-bottom: 16px; position: relative; z-index: 1; }
.login-left p { color: rgba(255,255,255,0.75); font-size: 0.95rem; margin-bottom: 40px; position: relative; z-index: 1; }
.login-features { display: flex; flex-direction: column; gap: 16px; position: relative; z-index: 1; }
.login-feature { display: flex; align-items: center; gap: 14px; }
.login-feature-icon {
  width: 40px; height: 40px; min-width: 40px;
  border-radius: 10px;
  background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.login-feature span { font-size: 0.9rem; color: rgba(255,255,255,0.85); }
.login-right { padding: 56px 48px; display: flex; flex-direction: column; justify-content: center; }
.login-right h3 { font-size: 1.8rem; margin-bottom: 8px; }
.login-right p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.social-login { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 28px; }
.social-btn {
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  font-size: 0.88rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: var(--transition);
}
.social-btn:hover { border-color: var(--primary); color: var(--primary); }
.divider { display: flex; align-items: center; gap: 16px; margin: 20px 0; }
.divider::before, .divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.divider span { font-size: 0.8rem; color: var(--text-muted); white-space: nowrap; }
.remember-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.checkbox-label { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; cursor: pointer; }
.forgot-link { font-size: 0.88rem; color: var(--primary); font-weight: 500; }
.forgot-link:hover { text-decoration: underline; }
.register-link { text-align: center; margin-top: 24px; font-size: 0.9rem; color: var(--text-muted); }
.register-link a { color: var(--primary); font-weight: 600; }

/* ============================================================
   DASHBOARD
   ============================================================ */
.dashboard-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  min-height: 100vh;
  padding-top: var(--nav-h);
}
.sidebar {
  background: var(--surface);
  border-right: 1px solid var(--border);
  padding: 32px 0;
  position: fixed;
  top: var(--nav-h);
  left: 0;
  bottom: 0;
  width: 260px;
  overflow-y: auto;
  z-index: 50;
}
.sidebar-section { padding: 0 16px 24px; }
.sidebar-section-title { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); padding: 0 12px; margin-bottom: 8px; }
.sidebar-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition);
  margin-bottom: 2px;
}
.sidebar-item:hover, .sidebar-item.active {
  background: rgba(26,86,219,0.08);
  color: var(--primary);
}
.sidebar-item i { width: 18px; text-align: center; }
.sidebar-item .badge {
  margin-left: auto;
  padding: 2px 8px;
  border-radius: 99px;
  font-size: 0.72rem;
  font-weight: 700;
  background: var(--danger);
  color: #fff;
}
.sidebar-profile {
  padding: 16px;
  margin: 0 12px;
  background: var(--bg-secondary);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
}
.sidebar-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--grad-primary);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.sidebar-name { font-size: 0.9rem; font-weight: 700; }
.sidebar-email { font-size: 0.75rem; color: var(--text-muted); }
.dashboard-main {
  margin-left: 260px;
  padding: 36px;
  background: var(--bg);
}
.dash-welcome { margin-bottom: 32px; }
.dash-welcome h2 { font-size: 1.6rem; margin-bottom: 4px; }
.dash-welcome p { color: var(--text-muted); }
.kpi-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 32px; }
.kpi-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 24px;
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.kpi-card::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 80px; height: 80px;
  border-radius: 50%;
  transform: translate(30%, -30%);
}
.kpi-blue::before { background: rgba(26,86,219,0.08); }
.kpi-purple::before { background: rgba(124,58,237,0.08); }
.kpi-green::before { background: rgba(16,185,129,0.08); }
.kpi-gold::before { background: rgba(245,158,11,0.08); }
.kpi-icon { font-size: 1.4rem; margin-bottom: 14px; }
.kpi-blue .kpi-icon { color: var(--primary); }
.kpi-purple .kpi-icon { color: var(--secondary); }
.kpi-green .kpi-icon { color: var(--success); }
.kpi-gold .kpi-icon { color: var(--gold); }
.kpi-value { font-size: 1.7rem; font-weight: 800; font-family: 'Poppins', sans-serif; margin-bottom: 4px; }
.kpi-label { font-size: 0.82rem; color: var(--text-muted); font-weight: 500; }
.kpi-change { font-size: 0.78rem; font-weight: 600; margin-top: 6px; }
.kpi-change.up { color: var(--success); }
.kpi-change.down { color: var(--danger); }
.dash-grid-2 { display: grid; grid-template-columns: 2fr 1fr; gap: 24px; margin-bottom: 32px; }
.dash-card {
  background: var(--surface);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  overflow: hidden;
}
.dash-card-header {
  padding: 20px 24px;
  border-bottom: 1px solid var(--border);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.dash-card-header h3 { font-size: 1rem; font-weight: 700; }
.dash-card-body { padding: 24px; }
.loan-table { width: 100%; border-collapse: collapse; }
.loan-table th {
  text-align: left;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0 12px 14px;
}
.loan-table td { padding: 14px 12px; border-top: 1px solid var(--border); font-size: 0.9rem; vertical-align: middle; }
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  border-radius: 99px;
  font-size: 0.78rem;
  font-weight: 700;
}
.status-active { background: rgba(16,185,129,0.1); color: var(--success); }
.status-pending { background: rgba(245,158,11,0.1); color: var(--gold); }
.status-completed { background: rgba(26,86,219,0.1); color: var(--primary); }
.status-rejected { background: rgba(239,68,68,0.1); color: var(--danger); }
.credit-score-circle {
  width: 140px; height: 140px;
  border-radius: 50%;
  background: conic-gradient(var(--primary) var(--pct, 72%), var(--border) 0);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  position: relative;
}
.credit-score-inner {
  width: 108px; height: 108px;
  border-radius: 50%;
  background: var(--surface);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.credit-score-num { font-size: 1.8rem; font-weight: 900; font-family: 'Poppins', sans-serif; color: var(--primary); }
.credit-score-label { font-size: 0.72rem; color: var(--text-muted); font-weight: 600; }
.transaction-list { display: flex; flex-direction: column; gap: 14px; }
.transaction-item { display: flex; align-items: center; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--border); }
.transaction-item:last-child { border: none; }
.tx-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.tx-credit { background: rgba(16,185,129,0.1); color: var(--success); }
.tx-debit { background: rgba(239,68,68,0.1); color: var(--danger); }
.tx-pending { background: rgba(245,158,11,0.1); color: var(--gold); }
.tx-info { flex: 1; }
.tx-name { font-size: 0.9rem; font-weight: 600; }
.tx-date { font-size: 0.78rem; color: var(--text-muted); }
.tx-amount { font-size: 0.95rem; font-weight: 700; }
.tx-amount.credit { color: var(--success); }
.tx-amount.debit { color: var(--danger); }

/* ============================================================
   LOAN APPLICATION PAGE
   ============================================================ */
.loan-form-section { padding: 80px 0; }
.loan-form-inner {
  max-width: 820px;
  margin: 0 auto;
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 56px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 24px; }
.form-section-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary);
  margin: 32px 0 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid rgba(26,86,219,0.12);
  display: flex;
  align-items: center;
  gap: 10px;
}
.upload-area {
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  padding: 36px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}
.upload-area:hover { border-color: var(--primary); background: rgba(26,86,219,0.03); }
.upload-icon { font-size: 2.5rem; color: var(--text-muted); margin-bottom: 12px; }
.upload-text { font-size: 0.9rem; color: var(--text-muted); }
.upload-text span { color: var(--primary); font-weight: 600; }
.terms-box { padding: 16px 20px; background: var(--bg-secondary); border-radius: var(--radius-sm); border: 1px solid var(--border); margin-bottom: 28px; }
.terms-check { display: flex; align-items: flex-start; gap: 12px; font-size: 0.88rem; color: var(--text-muted); cursor: pointer; }
.terms-check a { color: var(--primary); font-weight: 600; }
.loan-summary-card {
  background: var(--bg-secondary);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 28px;
  border: 1px solid var(--border);
}
.loan-summary-row { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid var(--border); }
.loan-summary-row:last-child { border: none; font-weight: 700; }
.loan-summary-row span { font-size: 0.9rem; color: var(--text-muted); }
.loan-summary-row strong { font-size: 0.95rem; }

/* ============================================================
   PAYMENT PAGE
   ============================================================ */
.payment-section { padding: 80px 0; }
.payment-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  max-width: 1000px;
  margin: 0 auto;
}
.payment-form-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 40px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.payment-summary-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 40px;
  border: 1px solid var(--border);
}
.payment-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  background: rgba(16,185,129,0.08);
  border: 1px solid rgba(16,185,129,0.2);
  border-radius: var(--radius-sm);
  margin-bottom: 24px;
  font-size: 0.88rem;
  color: var(--success);
  font-weight: 600;
}
.payment-history-table { width: 100%; border-collapse: collapse; margin-top: 16px; }
.payment-history-table th {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0 10px 12px;
  text-align: left;
}
.payment-history-table td { padding: 12px 10px; border-top: 1px solid var(--border); font-size: 0.88rem; }
.paystack-logo { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: var(--text-muted); margin-top: 16px; }

/* Success / Fail modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.7);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 56px 48px;
  max-width: 440px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow-lg);
  animation: modal-pop 0.3s cubic-bezier(0.175,0.885,0.32,1.275);
}
@keyframes modal-pop {
  from { transform: scale(0.8); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.modal-icon { font-size: 4rem; margin-bottom: 20px; }
.modal-title { font-size: 1.6rem; margin-bottom: 12px; }
.modal-text { color: var(--text-muted); margin-bottom: 32px; }

/* ============================================================
   FAQ PAGE
   ============================================================ */
.faq-section { padding: 80px 0; }
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: var(--surface);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  margin-bottom: 14px;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--primary); box-shadow: var(--shadow-sm); }
.faq-question {
  padding: 22px 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  transition: var(--transition);
}
.faq-item.open .faq-question { color: var(--primary); }
.faq-arrow { font-size: 0.9rem; color: var(--text-muted); transition: var(--transition); }
.faq-item.open .faq-arrow { transform: rotate(180deg); color: var(--primary); }
.faq-answer {
  padding: 0 28px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  font-size: 0.93rem;
  color: var(--text-muted);
  line-height: 1.75;
}
.faq-item.open .faq-answer { max-height: 500px; padding: 0 28px 24px; }
.faq-search {
  max-width: 540px;
  margin: 0 auto 40px;
  position: relative;
}
.faq-search input {
  width: 100%;
  padding: 16px 18px 16px 52px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  font-size: 0.95rem;
  transition: var(--transition);
}
.faq-search input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,86,219,0.1); }
.faq-search i { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); color: var(--text-muted); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-section { padding: 80px 0; }
.contact-inner { display: grid; grid-template-columns: 1fr 1.5fr; gap: 64px; }
.contact-info-card {
  background: var(--grad-primary);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 48px;
  position: relative;
  overflow: hidden;
}
.contact-info-card::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 250px; height: 250px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
}
.contact-info-card h3 { font-size: 1.6rem; margin-bottom: 12px; position: relative; z-index: 1; }
.contact-info-card > p { color: rgba(255,255,255,0.75); margin-bottom: 36px; font-size: 0.95rem; position: relative; z-index: 1; }
.contact-info-items { display: flex; flex-direction: column; gap: 20px; position: relative; z-index: 1; }
.contact-info-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-info-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-label { font-size: 0.78rem; color: rgba(255,255,255,0.65); font-weight: 500; margin-bottom: 4px; }
.contact-info-value { font-size: 0.95rem; color: #fff; font-weight: 600; }
.office-hours { margin-top: 36px; position: relative; z-index: 1; }
.office-hours h4 { font-size: 1rem; font-weight: 700; margin-bottom: 14px; }
.hours-row { display: flex; justify-content: space-between; font-size: 0.88rem; color: rgba(255,255,255,0.8); margin-bottom: 8px; }
.contact-form-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 48px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.contact-form-card h3 { font-size: 1.6rem; margin-bottom: 8px; }
.contact-form-card > p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.contact-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.map-section { padding: 0 0 80px; }
.map-placeholder {
  background: var(--surface);
  border-radius: var(--radius-lg);
  height: 400px;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
  color: var(--text-muted);
  position: relative;
  overflow: hidden;
}
.map-placeholder i { font-size: 3rem; color: var(--primary); }
.live-chat-widget {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 900;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
}
.chat-bubble-btn {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--grad-primary);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 1.4rem;
  box-shadow: 0 4px 20px rgba(26,86,219,0.5);
  cursor: pointer;
  transition: var(--transition);
  position: relative;
}
.chat-bubble-btn:hover { transform: scale(1.1); }
.chat-bubble-btn .chat-dot {
  position: absolute;
  top: 4px; right: 4px;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: #10b981;
  border: 2px solid var(--surface);
}
.chat-panel {
  width: 320px;
  background: var(--surface);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  overflow: hidden;
  display: none;
  animation: chat-slide-in 0.3s ease;
}
.chat-panel.open { display: block; }
@keyframes chat-slide-in {
  from { transform: translateY(20px) scale(0.95); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}
.chat-header {
  background: var(--grad-primary);
  padding: 16px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: #fff;
}
.chat-header-title { font-size: 0.95rem; font-weight: 700; }
.chat-header-sub { font-size: 0.75rem; color: rgba(255,255,255,0.75); }
.chat-close { background: none; color: rgba(255,255,255,0.75); font-size: 1rem; transition: var(--transition); }
.chat-close:hover { color: #fff; }
.chat-messages { height: 240px; overflow-y: auto; padding: 16px; display: flex; flex-direction: column; gap: 12px; }
.chat-msg { padding: 10px 14px; border-radius: 12px; font-size: 0.85rem; max-width: 80%; line-height: 1.5; }
.chat-msg.agent { background: var(--bg-secondary); color: var(--text); align-self: flex-start; border-bottom-left-radius: 2px; }
.chat-msg.user { background: var(--primary); color: #fff; align-self: flex-end; border-bottom-right-radius: 2px; }
.chat-input-row { display: flex; gap: 8px; padding: 12px; border-top: 1px solid var(--border); }
.chat-input-row input {
  flex: 1;
  padding: 10px 14px;
  border-radius: 99px;
  border: 1.5px solid var(--border);
  background: var(--bg);
  color: var(--text);
  font-size: 0.85rem;
}
.chat-send-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  transition: var(--transition);
}
.chat-send-btn:hover { background: var(--primary-dark); }

/* ============================================================
   NOTIFICATION SYSTEM
   ============================================================ */
.notification-container {
  position: fixed;
  top: calc(var(--nav-h) + 16px);
  right: 20px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 10px;
  pointer-events: none;
}
.notification {
  background: var(--surface);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 300px;
  max-width: 380px;
  pointer-events: all;
  animation: notif-in 0.35s cubic-bezier(0.175,0.885,0.32,1.275);
  transition: var(--transition);
}
.notification.out { animation: notif-out 0.3s ease forwards; }
@keyframes notif-in {
  from { transform: translateX(100%); opacity: 0; }
  to { transform: translateX(0); opacity: 1; }
}
@keyframes notif-out {
  to { transform: translateX(120%); opacity: 0; }
}
.notif-icon { font-size: 1.2rem; }
.notif-success .notif-icon { color: var(--success); }
.notif-error .notif-icon { color: var(--danger); }
.notif-info .notif-icon { color: var(--primary); }
.notif-warning .notif-icon { color: var(--gold); }
.notif-text { flex: 1; font-size: 0.88rem; font-weight: 500; }
.notif-close { color: var(--text-muted); font-size: 0.9rem; cursor: pointer; }
.notif-close:hover { color: var(--text); }

/* ============================================================
   TERMS / PRIVACY MODAL
   ============================================================ */
.terms-modal-body {
  text-align: left;
  max-height: 400px;
  overflow-y: auto;
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.8;
  padding-right: 8px;
}
.terms-modal-body h4 { color: var(--text); font-size: 0.95rem; margin: 20px 0 8px; }
.terms-modal-body p { margin-bottom: 12px; }

/* ============================================================
   LOADING OVERLAY
   ============================================================ */
.loading-overlay {
  position: fixed;
  inset: 0;
  background: var(--bg);
  z-index: 9998;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 24px;
  transition: opacity 0.5s ease;
}
.loading-overlay.hidden { opacity: 0; pointer-events: none; }
.loader-logo { font-size: 2.4rem; font-weight: 900; font-family: 'Poppins', sans-serif; }
.loader-logo span { background: var(--grad-primary); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.loader-bar { width: 200px; height: 4px; background: var(--border); border-radius: 99px; overflow: hidden; }
.loader-bar-fill { height: 100%; background: var(--grad-primary); border-radius: 99px; animation: loader 1.5s ease forwards; }
@keyframes loader { from { width: 0; } to { width: 100%; } }
.loader-text { font-size: 0.85rem; color: var(--text-muted); }

/* ============================================================
   DOWNLOAD STATEMENT
   ============================================================ */
.statement-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  background: rgba(26,86,219,0.08);
  color: var(--primary);
  font-size: 0.88rem;
  font-weight: 600;
  border: 1px solid rgba(26,86,219,0.2);
  cursor: pointer;
  transition: var(--transition);
}
.statement-btn:hover { background: var(--primary); color: #fff; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .kpi-grid { grid-template-columns: repeat(2, 1fr); }
  .dash-grid-2 { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-right { display: none; }
  .hero-actions, .hero-stats { justify-content: center; }
  .why-inner { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .emi-inner { grid-template-columns: 1fr; }
  .contact-inner { grid-template-columns: 1fr; }
  .payment-inner { grid-template-columns: 1fr; }
  .login-container { grid-template-columns: 1fr; }
  .login-left { display: none; }
  .dashboard-layout { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .dashboard-main { margin-left: 0; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .form-grid-2 { grid-template-columns: 1fr; }
  .loan-form-inner { padding: 32px 24px; }
  .hero-stats { flex-wrap: wrap; gap: 20px; }
  .section { padding: 64px 0; }
  .rates-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .social-login { grid-template-columns: 1fr; }
  .login-right { padding: 40px 24px; }
  .payment-form-card, .payment-summary-card { padding: 24px; }
  .kpi-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================================
   ANIMATED GRADIENT BG
   ============================================================ */
.animated-gradient-bg {
  background: linear-gradient(270deg, #1a56db, #7c3aed, #06b6d4, #1a56db);
  background-size: 600% 600%;
  animation: gradientShift 12s ease infinite;
}
@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

/* ============================================================
   MISC UTILS
   ============================================================ */
.fade-in { animation: fadeIn 0.6s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.hover-lift:hover { transform: translateY(-4px); }
.text-primary { color: var(--primary); }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-gold { color: var(--gold); }
.text-muted { color: var(--text-muted); }
.font-mono { font-family: 'Courier New', monospace; }
.rounded-full { border-radius: 99px; }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.p-3 { padding: 24px; }
.w-full { width: 100%; }