/* ==========================================================================
   Expert Panel - Resolution Consultancy Services Stylesheet
   Matches 100% reference design aesthetics & responsive standards
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@100..900&display=swap');

:root {
  --primary-navy: #0e2038;
  --secondary-navy: #08162b;
  --accent-green: #076d33;
  --accent-green-hover: #055427;
  --light-green: #e9f7ee;
  --accent-blue: #0284c7;
  --accent-blue-hover: #0369a1;
  --pill-blue-bg: #e2f0fc;
  --pill-blue-border: #bfdbfe;
  --pill-blue-text: #0369a1;
  --topbar-bg: #fffbeb;
  --topbar-border: #fef3c7;
  --topbar-text: #92400e;
  --card-border: #e2e8f0;
  --bg-page: #ffffff;
  --bg-light: #f8fafc;
  --text-main: #0f172a;
  --text-muted: #475569;
  --text-light: #64748b;
  --font-heading: 'Inter', sans-serif;
  --font-body: 'Inter', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-full: 9999px;
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

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

html,
body {
  font-family: "Inter", sans-serif;
  background-color: var(--bg-page);
  color: var(--text-main);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6,
p,
span,
a,
li,
label,
button,
input,
select,
textarea,
option,
table,
th,
td,
small,
strong,
em {
  font-family: "Inter", sans-serif;
}

button,
input,
select,
textarea,
option {
  font-family: "Inter", sans-serif;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ==========================================================================
   1. TOP ANNOUNCEMENT BAR
   ========================================================================== */
.top-announcement {
  background-color: var(--topbar-bg);
  border-bottom: 1px solid var(--topbar-border);
  padding: 8px 16px;
  text-align: center;
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--topbar-text);
  letter-spacing: -0.01em;
}

.top-announcement span {
  font-weight: 600;
}

/* ==========================================================================
   2. MAIN NAVIGATION
   ========================================================================== */
.site-header {
  background: #ffffff;
  border-bottom: 1px solid #f1f5f9;
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: var(--shadow-sm);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-logo-img {
  height: 52px;
  max-width: 220px;
  object-fit: contain;
  display: block;
  transition: var(--transition);
}

.brand-logo:hover .brand-logo-img {
  transform: scale(1.02);
}

.logo-shield {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #076d33 0%, #10b981 100%);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 3px 8px rgba(7, 109, 51, 0.25);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--primary-navy);
  line-height: 1.1;
  display: flex;
  align-items: center;
  gap: 4px;
}

.brand-title .highlight {
  color: var(--accent-green);
}

.brand-subtitle {
  font-size: 0.65rem;
  font-weight: 600;
  color: #64748b;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-link {
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 600;
  color: #334155;
  transition: var(--transition);
  position: relative;
  padding: 6px 0;
}

.nav-link:hover,
.nav-link.active {
  color: var(--accent-green);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--accent-green);
  border-radius: 2px;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.call-pill-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #f1f5f9;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--primary-navy);
  transition: var(--transition);
}

.call-pill-nav:hover {
  background: #e2e8f0;
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--primary-navy);
  cursor: pointer;
}

/* Mobile Nav Drawer */
.mobile-nav-drawer {
  display: none;
  position: fixed;
  top: 76px;
  left: 0;
  width: 100%;
  background: #ffffff;
  box-shadow: var(--shadow-lg);
  padding: 20px;
  border-bottom: 1px solid var(--card-border);
  z-index: 999;
}

.mobile-nav-drawer.open {
  display: block;
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  list-style: none;
}

/* ==========================================================================
   3. FLOATING HELPLINE PILL BANNERS
   ========================================================================== */
.helpline-banner-wrap {
  padding: 16px 0;
}

.helpline-pill {
  background: var(--pill-blue-bg);
  border: 1px solid var(--pill-blue-border);
  border-radius: var(--radius-full);
  padding: 10px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin: 0 auto;
  max-width: 650px;
  text-align: center;
  color: var(--pill-blue-text);
  font-size: 0.92rem;
  font-weight: 600;
  box-shadow: 0 2px 6px rgba(2, 132, 199, 0.08);
  transition: var(--transition);
}

.helpline-pill:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(2, 132, 199, 0.12);
}

.helpline-pill svg {
  color: var(--accent-blue);
  flex-shrink: 0;
}

/* ==========================================================================
   4. HERO SECTION WITH 6 GRID CARDS & STICKY LEAD FORM
   ========================================================================== */
.hero-section {
  padding: 24px 0 40px;
  background: #ffffff;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  align-items: start;
}

/* Left Hero Cards Grid */
.hero-cards-wrapper {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.problem-card {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.problem-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.card-media {
  width: 100%;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  background: #f1f5f9;
}

.card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.card-media img[src*="958cce10"] {
  object-position: center 8%;
}

.problem-card:hover .card-media img {
  transform: scale(1.04);
}

.card-caption {
  padding: 12px 14px;
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary-navy);
  text-align: center;
  background: #ffffff;
  min-height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Dark Navy Middle Banner */
.hero-navy-strip {
  display: block;
  text-decoration: none;
  cursor: pointer;
  background: linear-gradient(90deg, #091729 0%, #112848 100%);
  border-radius: var(--radius-sm);
  padding: 14px 20px;
  text-align: center;
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  box-shadow: 0 4px 10px rgba(9, 23, 41, 0.2);
  transition: var(--transition);
}

.hero-navy-strip:hover {
  background: linear-gradient(90deg, #050d18 0%, #0d1e37 100%);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 6px 14px rgba(9, 23, 41, 0.3);
}

/* Right Column: Lead Capture Form */
.hero-form-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-lg);
  padding: 24px 24px;
  box-shadow: 0 10px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.04);
  position: sticky;
  top: 96px;
}

.form-header {
  margin-bottom: 20px;
  text-align: center;
}

.form-badge {
  display: inline-block;
  background: #dbeafe;
  color: #1e40af;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 6px;
}

.form-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-navy);
  line-height: 1.2;
}

.form-subtitle {
  font-size: 0.84rem;
  color: var(--text-muted);
  margin-top: 4px;
}

.lead-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.form-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: #334155;
}

.form-label span.req {
  color: #ef4444;
}

.input-control {
  width: 100%;
  height: 42px;
  padding: 0 14px;
  border: 1px solid #cbd5e1;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text-main);
  background: #ffffff;
  outline: none;
  transition: var(--transition);
}

.input-control:focus {
  border-color: var(--accent-blue);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.phone-input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid #cbd5e1;
  border-radius: var(--radius-sm);
  background: #ffffff;
  overflow: hidden;
  transition: var(--transition);
}

.phone-input-wrap:focus-within {
  border-color: var(--accent-blue);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.flag-prefix {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 12px;
  height: 42px;
  background: #f8fafc;
  border-right: 1px solid #cbd5e1;
  font-size: 0.88rem;
  font-weight: 600;
  color: #334155;
  user-select: none;
}

.flag-svg {
  width: 20px;
  height: 14px;
  border-radius: 2px;
}

.phone-input-wrap .input-control {
  border: none;
  box-shadow: none !important;
}

select.input-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2364748b'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 16px;
  padding-right: 36px;
  cursor: pointer;
}

.checkbox-wrap {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin: 4px 0;
}

.checkbox-wrap input[type='checkbox'] {
  margin-top: 3px;
  cursor: pointer;
  accent-color: var(--accent-blue);
  width: 15px;
  height: 15px;
}

.checkbox-label {
  font-size: 0.72rem;
  color: #64748b;
  line-height: 1.35;
}

.checkbox-label a {
  color: var(--accent-blue);
  text-decoration: underline;
}

.btn-submit {
  width: 100%;
  height: 46px;
  background: #0284c7;
  color: #ffffff;
  border: none;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 4px 10px rgba(2, 132, 199, 0.3);
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.btn-submit:hover {
  background: var(--accent-blue-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 14px rgba(2, 132, 199, 0.4);
}

/* ==========================================================================
   5. COMMON SECTION TITLE & GREEN CTA BUTTONS
   ========================================================================== */
.section-heading-wrap {
  text-align: center;
  margin-bottom: 32px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.02em;
}

.section-subtitle {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.cta-center-wrap {
  display: flex;
  justify-content: center;
  margin-top: 32px;
}

.btn-pill-green {
  background: var(--accent-green);
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  padding: 12px 32px;
  border-radius: var(--radius-full);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 4px 12px rgba(7, 109, 51, 0.3);
  transition: var(--transition);
  border: none;
  cursor: pointer;
}

.btn-pill-green:hover {
  background: var(--accent-green-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(7, 109, 51, 0.4);
  color: #ffffff;
}

/* ==========================================================================
   6. HOW DOES LOAN MANAGEMENT WORK (6 PROCESS BADGES)
   ========================================================================== */
.loan-work-section {
  padding: 50px 0;
  background: #ffffff;
}

.process-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px 24px;
  max-width: 960px;
  margin: 0 auto;
}

.step-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: #ffffff;
  border: 1px solid #f1f5f9;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.step-item:hover {
  transform: translateX(4px);
  border-color: #cbd5e1;
}

.step-icon-badge {
  width: 38px;
  height: 38px;
  background: var(--accent-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  flex-shrink: 0;
  box-shadow: 0 3px 6px rgba(7, 109, 51, 0.25);
}

.step-icon-badge svg {
  width: 18px;
  height: 18px;
}

.step-title {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary-navy);
}

/* ==========================================================================
   7. WHY CLIENTS TRUST US (4 STAT METRICS)
   ========================================================================== */
.trust-section {
  padding: 50px 0 30px;
  background: #ffffff;
  text-align: center;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 32px auto;
  max-width: 900px;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent-green);
  letter-spacing: -0.03em;
  line-height: 1.1;
}

.stat-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--primary-navy);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-top: 6px;
}

/* ==========================================================================
   8. HOW DOES ANTI-HARASSMENT SERVICE (AHS) WORK? (6 WHITE CARDS)
   ========================================================================== */
.ahs-section {
  padding: 50px 0;
  background: #f8fafc;
}

.ahs-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 1080px;
  margin: 0 auto;
}

.ahs-card {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  min-height: 110px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.ahs-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.ahs-card-text {
  font-family: var(--font-heading);
  font-size: 0.94rem;
  font-weight: 700;
  color: var(--primary-navy);
  line-height: 1.4;
}

/* ==========================================================================
   9. OUR SERVICE (3 SERVICE CARDS)
   ========================================================================== */
.services-section {
  padding: 50px 0;
  background: #ffffff;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1100px;
  margin: 0 auto;
}

.service-card {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.service-card-title {
  font-family: var(--font-heading);
  font-size: 1.12rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.service-card-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   10. ABOUT US SECTION (2-COLUMNS: TEXT & MEDIA)
   ========================================================================== */
.about-section {
  padding: 60px 0;
  background: #f1f5f9;
}

.about-card-wrap {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  box-shadow: var(--shadow-sm);
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: center;
}

.about-content {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.about-title {
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.about-paragraph {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
}

.about-image-box {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--card-border);
  aspect-ratio: 4 / 3;
  background: #e2e8f0;
}

.about-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.about-image-box:hover .about-img {
  transform: scale(1.03);
}

.about-img-badge {
  position: absolute;
  bottom: 14px;
  left: 14px;
  right: 14px;
  background: rgba(9, 23, 41, 0.88);
  backdrop-filter: blur(8px);
  color: #ffffff;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 700;
  border: 1px solid rgba(255, 255, 255, 0.15);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.about-img-badge svg {
  color: #34d399;
  flex-shrink: 0;
}

.about-media-box {
  background: linear-gradient(135deg, #091729 0%, #172554 100%);
  border-radius: var(--radius-md);
  aspect-ratio: 16 / 10;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  padding: 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   11. TESTIMONIALS SECTION (CAROUSEL / 3 CARDS)
   ========================================================================== */
.testimonials-section {
  padding: 60px 0;
  background: #ffffff;
}

.testimonial-carousel-container {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

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

.testimonial-card {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 16px;
  min-height: 240px;
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.stars-row {
  display: flex;
  gap: 4px;
  color: #f59e0b;
}

.quote-text {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
  font-style: normal;
  flex-grow: 1;
}

.client-author {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary-navy);
  border-top: 1px solid #f1f5f9;
  padding-top: 12px;
}

.client-author span {
  font-size: 0.75rem;
  font-weight: 500;
  color: #64748b;
  display: block;
}

/* Slider Controls */
.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 24px;
}

.carousel-arrow {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid #cbd5e1;
  background: #ffffff;
  color: var(--primary-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}

.carousel-arrow:hover {
  background: #f1f5f9;
  border-color: #94a3b8;
}

.carousel-dots {
  display: flex;
  gap: 8px;
}

.dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #cbd5e1;
  cursor: pointer;
  transition: var(--transition);
}

.dot.active {
  background: var(--accent-green);
  width: 24px;
  border-radius: 4px;
}

/* ==========================================================================
   12. FOOTER & DISCLAIMER
   ========================================================================== */
.site-footer {
  background: #ffffff;
  border-top: 1px solid #e2e8f0;
  padding: 40px 0 30px;
}

.footer-top {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  margin-bottom: 24px;
}

.footer-company {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary-navy);
}

.footer-social-links {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin: 12px 0 6px;
}

.social-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #f8fafc;
  color: #475569;
  border: 1px solid #e2e8f0;
  transition: all 0.25s ease;
  text-decoration: none;
}

.social-btn svg {
  width: 18px;
  height: 18px;
  display: block;
}

.social-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.08);
}

.social-btn.instagram:hover {
  background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285AEB 90%);
  border-color: transparent;
  color: #ffffff;
}

.social-btn.facebook:hover {
  background: #1877f2;
  border-color: #1877f2;
  color: #ffffff;
}

.social-btn.twitter:hover {
  background: #0f172a;
  border-color: #0f172a;
  color: #ffffff;
}

.social-btn.linkedin:hover {
  background: #0a66c2;
  border-color: #0a66c2;
  color: #ffffff;
}

.footer-links {
  display: flex;
  gap: 16px;
  list-style: none;
  margin-top: 4px;
}

.footer-links a {
  text-decoration: none;
  font-size: 0.85rem;
  color: var(--accent-blue);
  font-weight: 500;
  transition: var(--transition);
}

.footer-links a:hover {
  text-decoration: underline;
}

.footer-disclaimer {
  max-width: 1050px;
  margin: 0 auto;
  font-size: 0.72rem;
  color: #64748b;
  line-height: 1.6;
  text-align: justify;
  border-top: 1px solid #f1f5f9;
  padding-top: 20px;
}

/* ==========================================================================
   13. MODAL CONFIRMATION DIALOG
   ========================================================================== */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 2000;
  padding: 20px;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.modal-backdrop.show {
  display: flex;
  opacity: 1;
}

.modal-dialog {
  background: #ffffff;
  border-radius: var(--radius-lg);
  max-width: 460px;
  width: 100%;
  padding: 32px 28px;
  text-align: center;
  box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
  transform: translateY(20px);
  transition: transform 0.3s ease;
}

.modal-backdrop.show .modal-dialog {
  transform: translateY(0);
}

.modal-icon-success {
  width: 64px;
  height: 64px;
  background: var(--light-green);
  color: var(--accent-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.modal-icon-success svg {
  width: 32px;
  height: 32px;
}

.modal-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.modal-text {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 24px;
}

.btn-modal-close {
  background: var(--accent-green);
  color: #ffffff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 10px 24px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
}

.btn-modal-close:hover {
  background: var(--accent-green-hover);
}

/* ==========================================================================
   14. RESPONSIVE BREAKPOINTS
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .hero-form-card {
    position: static;
    max-width: 600px;
    margin: 0 auto;
    width: 100%;
  }

  .about-card-wrap {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
  }

  .mobile-menu-toggle {
    display: block;
  }

  .hero-cards-grid {
    grid-template-columns: 1fr;
  }

  .process-steps-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .ahs-cards-grid {
    grid-template-columns: 1fr;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .section-title {
    font-size: 1.5rem;
  }
}

/* ==========================================================================
   15. LEGAL / PRIVACY POLICY PAGE STYLES
   ========================================================================== */
.legal-page-header {
  background: linear-gradient(135deg, #091729 0%, #172554 100%);
  color: #ffffff;
  padding: 56px 0 48px;
  text-align: center;
}

.legal-header-tag {
  display: inline-block;
  background: rgba(16, 185, 129, 0.2);
  color: #34d399;
  border: 1px solid rgba(16, 185, 129, 0.3);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 12px;
}

.legal-page-title {
  font-family: var(--font-heading);
  font-size: 2.3rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}

.legal-page-sub {
  font-size: 0.95rem;
  color: #94a3b8;
  max-width: 650px;
  margin: 0 auto;
}

.legal-main-wrap {
  padding: 48px 0 72px;
  background: #f8fafc;
}

.legal-card {
  background: #ffffff;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-lg);
  padding: 48px 44px;
  box-shadow: var(--shadow-sm);
  max-width: 960px;
  margin: 0 auto;
}

.legal-notice-box {
  background: #fffbeb;
  border-left: 4px solid #f59e0b;
  border-radius: 4px;
  padding: 16px 20px;
  font-size: 0.92rem;
  color: #92400e;
  line-height: 1.6;
  margin-bottom: 32px;
}

.warning-alert-box {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-left: 5px solid #ef4444;
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  font-size: 0.94rem;
  color: #991b1b;
  line-height: 1.65;
  margin: 20px 0;
}

.warning-alert-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 800;
  color: #b91c1c;
  margin-bottom: 8px;
}

.legal-section {
  margin-bottom: 36px;
  padding-bottom: 28px;
  border-bottom: 1px solid #f1f5f9;
}

.legal-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.legal-section-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-section p {
  font-size: 0.96rem;
  color: #334155;
  line-height: 1.7;
  margin-bottom: 14px;
}

.legal-list {
  list-style: none;
  padding: 0;
  margin: 14px 0 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.legal-list li {
  font-size: 0.94rem;
  color: #334155;
  line-height: 1.6;
  position: relative;
  padding-left: 24px;
}

.legal-list li::before {
  content: '•';
  color: var(--accent-green);
  font-size: 1.4rem;
  position: absolute;
  left: 6px;
  top: -2px;
}

.legal-note-inline {
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  color: #166534;
  padding: 12px 18px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  margin: 14px 0;
}

.contact-card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 16px;
}

.contact-info-tile {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-md);
  padding: 18px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.contact-tile-icon {
  width: 44px;
  height: 44px;
  background: var(--light-green);
  color: var(--accent-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-tile-label {
  font-size: 0.78rem;
  color: #64748b;
  font-weight: 600;
  text-transform: uppercase;
}

.contact-tile-value {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary-navy);
  text-decoration: none;
}

.contact-tile-value:hover {
  color: var(--accent-blue);
}

@media (max-width: 768px) {
  .legal-card {
    padding: 28px 20px;
  }
  .legal-page-title {
    font-size: 1.8rem;
  }
  .contact-card-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   Fixed Bottom Sticky CTA Bar ("Get Your Loan Managed") - Exact Dark Navy
   ========================================================================== */
body {
  padding-bottom: 54px; /* Prevent fixed bar from covering footer content */
}

.floating-cta-wrap {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  width: 100%;
  z-index: 9999;
  display: block;
  margin: 0;
  padding: 0;
}

.floating-cta-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  background: linear-gradient(90deg, #091729 0%, #112848 100%);
  color: #ffffff;
  padding: 14px 20px;
  padding-bottom: max(14px, env(safe-area-inset-bottom));
  border-radius: 0 !important;
  text-decoration: none;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  box-shadow: 0 -4px 16px rgba(9, 23, 41, 0.28);
  border: none;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  transition: background 0.2s ease, opacity 0.2s ease;
  cursor: pointer;
  user-select: none;
  text-align: center;
}

.floating-cta-btn:hover {
  background: linear-gradient(90deg, #06111f 0%, #0d203a 100%);
  color: #ffffff;
}

.floating-cta-btn:active {
  opacity: 0.9;
}

/* Highlighting the form card when scrolled to */
.form-highlight-focus {
  animation: formHighlightGlow 1.8s ease-in-out;
}

@keyframes formHighlightGlow {
  0% {
    box-shadow: 0 0 0 0 rgba(17, 40, 72, 0);
    transform: scale(1);
  }
  30% {
    box-shadow: 0 0 0 6px rgba(17, 40, 72, 0.35), 0 20px 35px rgba(17, 40, 72, 0.2);
    transform: scale(1.012);
  }
  70% {
    box-shadow: 0 0 0 3px rgba(17, 40, 72, 0.15);
    transform: scale(1.006);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(17, 40, 72, 0);
    transform: scale(1);
  }
}