/* ============================================================
   CapitalQuest Consulting — Main Stylesheet
   ============================================================ */

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

/* ============================================================
   CSS Custom Properties
   ============================================================ */
:root {
  --primary: #22A7F0;
  --primary-dark: #1a8fd4;
  --primary-light: #e8f5fd;
  --navy: #0A1628;
  --navy-mid: #112240;
  --navy-light: #1a3a6b;
  --white: #ffffff;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;

  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10), 0 2px 6px rgba(0,0,0,0.07);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.12), 0 4px 16px rgba(0,0,0,0.08);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.15), 0 8px 24px rgba(0,0,0,0.10);
  --shadow-blue: 0 8px 30px rgba(34,167,240,0.25);

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);

  --nav-height: 80px;
  --section-padding: 96px 0;
  --container-max: 1240px;
  --container-padding: 0 24px;
}

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

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

body {
  font-family: var(--font-family);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul, ol {
  list-style: none;
}

button {
  cursor: pointer;
  font-family: var(--font-family);
  border: none;
  outline: none;
}

input, select, textarea {
  font-family: var(--font-family);
}

/* ============================================================
   Typography
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--gray-900);
}

h1 { font-size: clamp(2rem, 4vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 3vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.75rem); }
h4 { font-size: 1.25rem; }
h5 { font-size: 1.1rem; }

p { line-height: 1.7; color: var(--gray-600); }

.text-primary { color: var(--primary); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.text-center { text-align: center; }

/* ============================================================
   Layout Utilities
   ============================================================ */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: var(--container-padding);
}

.section {
  padding: var(--section-padding);
}

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

.section-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
}

.section-tag.white {
  background: rgba(255,255,255,0.15);
  color: var(--white);
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  max-width: 640px;
  margin: 0 auto;
  font-size: 1.1rem;
}

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-8 { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
  border: 2px solid transparent;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: var(--shadow-blue);
}

.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(34,167,240,0.35);
  color: var(--white);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}

.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-primary {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}

.btn-outline-primary:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-dark {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.btn-dark:hover {
  background: var(--navy-mid);
  transform: translateY(-2px);
  color: var(--white);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

.btn-sm {
  padding: 10px 20px;
  font-size: 0.875rem;
}

/* ============================================================
   Navigation
   ============================================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-height);
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}

.nav.scrolled {
  background: rgba(10, 22, 40, 0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 4px 24px rgba(0,0,0,0.3);
}

.nav-container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.nav-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
}

.nav-logo img {
  height: 44px;
  width: auto;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}

.nav-link:hover, .nav-link.active {
  color: var(--white);
  background: rgba(255,255,255,0.07);
}

.nav-link svg {
  width: 14px;
  height: 14px;
  transition: transform 0.25s ease;
}

.nav-item:hover .nav-link svg {
  transform: rotate(180deg);
}

/* Dropdowns */
.dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  padding: 10px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  border: 1px solid var(--gray-100);
}

.dropdown::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 50%;
  transform: translateX(-50%);
  width: 12px;
  height: 12px;
  background: var(--white);
  border-left: 1px solid var(--gray-100);
  border-top: 1px solid var(--gray-100);
  transform: translateX(-50%) rotate(45deg);
}

.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  color: var(--gray-700);
  font-size: 0.875rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.dropdown a:hover {
  background: var(--primary-light);
  color: var(--primary);
}

.dropdown a .drop-icon {
  width: 32px;
  height: 32px;
  background: var(--gray-100);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
  transition: var(--transition);
}

.dropdown a:hover .drop-icon {
  background: var(--primary-light);
}

.nav-cta {
  flex-shrink: 0;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
  background: none;
  border: none;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.hamburger.active span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile Menu */
.mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--navy);
  z-index: 999;
  overflow-y: auto;
  padding: 24px;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-menu.open {
  transform: translateX(0);
}

.mobile-nav-link {
  display: block;
  padding: 14px 16px;
  color: rgba(255,255,255,0.9);
  font-size: 1rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: var(--transition);
}

.mobile-nav-link:hover {
  color: var(--primary);
  padding-left: 24px;
}

.mobile-dropdown-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  color: rgba(255,255,255,0.9);
  font-size: 1rem;
  font-weight: 600;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  cursor: pointer;
}

.mobile-dropdown-content {
  display: none;
  padding: 8px 0;
  background: rgba(255,255,255,0.04);
}

.mobile-dropdown-content.open {
  display: block;
}

.mobile-dropdown-content a {
  display: block;
  padding: 10px 32px;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  transition: var(--transition);
}

.mobile-dropdown-content a:hover {
  color: var(--primary);
}

/* ============================================================
   Hero Section
   ============================================================ */
.hero {
  background: var(--navy);
  padding: calc(var(--nav-height) + 80px) 0 96px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse 80% 60% at 60% 40%, rgba(34,167,240,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
  position: relative;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(34,167,240,0.12);
  border: 1px solid rgba(34,167,240,0.3);
  color: var(--primary);
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 8px;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.2rem, 4.5vw, 3.75rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

.hero h1 span {
  color: var(--primary);
}

.hero-sub {
  color: rgba(255,255,255,0.7);
  font-size: 1.15rem;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-rating {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-full);
  padding: 10px 22px;
  color: var(--white);
  font-size: 0.9rem;
}

.hero-rating .stars {
  color: #fbbf24;
  font-size: 1.1rem;
  letter-spacing: 2px;
}

.hero-rating strong {
  color: var(--white);
}

/* ============================================================
   Stats Bar
   ============================================================ */
.stats-bar {
  background: var(--white);
  padding: 48px 0;
  border-bottom: 1px solid var(--gray-100);
  box-shadow: var(--shadow-md);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.stat-item {
  text-align: center;
  padding: 24px 16px;
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 20%;
  height: 60%;
  width: 1px;
  background: var(--gray-200);
}

.stat-number {
  font-size: clamp(2rem, 3vw, 2.75rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-number span {
  color: var(--primary);
}

.stat-label {
  font-size: 0.9rem;
  color: var(--gray-500);
  font-weight: 500;
}

/* ============================================================
   Who This Is For
   ============================================================ */
.who-section {
  background: var(--gray-50);
}

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

.stage-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  position: relative;
  overflow: hidden;
  transition: var(--transition);
}

.stage-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.stage-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}

.stage-card.stage-1::before { background: var(--warning); }
.stage-card.stage-2::before { background: var(--primary); }
.stage-card.stage-3::before { background: var(--success); }

.stage-number {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 12px;
}

.stage-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 20px;
}

.stage-1 .stage-icon { background: #fff7ed; }
.stage-2 .stage-icon { background: var(--primary-light); }
.stage-3 .stage-icon { background: #ecfdf5; }

.stage-card h3 {
  margin-bottom: 12px;
  font-size: 1.3rem;
}

.stage-card p {
  font-size: 0.925rem;
  margin-bottom: 20px;
  line-height: 1.65;
}

.stage-card .tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}

.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  font-size: 0.775rem;
  font-weight: 600;
}

.tag-orange { background: #fff7ed; color: #c2410c; }
.tag-blue { background: var(--primary-light); color: var(--primary-dark); }
.tag-green { background: #ecfdf5; color: #059669; }

/* ============================================================
   How It Works
   ============================================================ */
.how-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.how-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 20% 50%, rgba(34,167,240,0.08) 0%, transparent 60%);
}

.how-section .section-header h2,
.how-section .section-header p {
  color: var(--white);
}

.how-section .section-header p {
  color: rgba(255,255,255,0.65);
}

.steps-wrapper {
  display: flex;
  align-items: flex-start;
  gap: 0;
  position: relative;
}

.step-item {
  flex: 1;
  text-align: center;
  padding: 40px 24px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  transition: var(--transition);
  position: relative;
}

.step-item:hover {
  background: rgba(255,255,255,0.07);
  border-color: rgba(34,167,240,0.3);
}

.step-arrow {
  display: flex;
  align-items: center;
  color: var(--primary);
  font-size: 24px;
  padding: 0 12px;
  flex-shrink: 0;
  margin-top: 60px;
}

.step-number {
  width: 60px;
  height: 60px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  margin: 0 auto 20px;
  box-shadow: var(--shadow-blue);
}

.step-item h3 {
  color: var(--white);
  margin-bottom: 12px;
  font-size: 1.2rem;
}

.step-item p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  line-height: 1.65;
}

/* ============================================================
   Services Section
   ============================================================ */
.services-section {
  background: var(--white);
}

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

.service-tier {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  transition: var(--transition);
  border: 1px solid var(--gray-100);
}

.service-tier:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.tier-header {
  padding: 32px 28px 24px;
  background: var(--navy);
  color: var(--white);
  position: relative;
}

.tier-header.blue { background: var(--primary); }
.tier-header.green { background: linear-gradient(135deg, #059669, #10b981); }

.tier-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}

.tier-header h3 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 8px;
}

.tier-header p {
  color: rgba(255,255,255,0.75);
  font-size: 0.875rem;
}

.tier-body {
  padding: 28px;
  background: var(--white);
}

.service-list {
  margin-bottom: 24px;
}

.service-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  font-size: 0.9rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-100);
}

.service-list li:last-child { border-bottom: none; }

.service-list li::before {
  content: '✓';
  color: var(--primary);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================================
   Why CapitalQuest
   ============================================================ */
.why-section {
  background: var(--gray-50);
}

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

.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}

.feature-icon {
  width: 52px;
  height: 52px;
  background: var(--primary-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 18px;
}

.feature-card h4 {
  margin-bottom: 10px;
  color: var(--gray-900);
}

.feature-card p {
  font-size: 0.9rem;
  line-height: 1.65;
}

/* ============================================================
   Funding Calculator
   ============================================================ */
.calculator-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.calculator-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 70% at 80% 30%, rgba(34,167,240,0.1) 0%, transparent 60%);
}

.calculator-section .section-header h2,
.calculator-section .section-header .section-tag {
  color: var(--white);
}

.calculator-section .section-header p {
  color: rgba(255,255,255,0.65);
}

.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  position: relative;
}

.calc-inputs {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-xl);
  padding: 40px;
}

.slider-group {
  margin-bottom: 36px;
}

.slider-group:last-child { margin-bottom: 0; }

.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.slider-label span {
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  font-weight: 500;
}

.slider-value {
  color: var(--primary) !important;
  font-weight: 700 !important;
  font-size: 1rem !important;
  background: rgba(34,167,240,0.1);
  padding: 4px 12px;
  border-radius: var(--radius-full);
}

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-full);
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--primary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(34,167,240,0.2);
  transition: var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 6px rgba(34,167,240,0.3);
  transform: scale(1.1);
}

input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--primary);
  border-radius: 50%;
  cursor: pointer;
  border: none;
  box-shadow: 0 0 0 4px rgba(34,167,240,0.2);
}

.calc-output {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  position: sticky;
  top: 100px;
}

.calc-result-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 12px;
}

.calc-range {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1;
}

.calc-range span { color: var(--primary); }

.calc-recommendation {
  color: var(--gray-600);
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 24px;
  padding: 16px;
  background: var(--gray-50);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--primary);
}

.calc-score-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.calc-score-badge.red { background: #fef2f2; color: #dc2626; }
.calc-score-badge.yellow { background: #fffbeb; color: #d97706; }
.calc-score-badge.blue { background: var(--primary-light); color: var(--primary-dark); }
.calc-score-badge.green { background: #ecfdf5; color: #059669; }

.calc-factors {
  margin-bottom: 24px;
}

.calc-factor {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  font-size: 0.875rem;
  color: var(--gray-600);
  border-bottom: 1px solid var(--gray-100);
}

.calc-factor:last-child { border-bottom: none; }

.factor-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================================
   Comparison Table
   ============================================================ */
.comparison-section {
  background: var(--white);
}

.comparison-table-wrapper {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 700px;
}

.comparison-table th {
  padding: 20px 28px;
  text-align: left;
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  border-bottom: 2px solid var(--gray-100);
}

.comparison-table th:first-child {
  background: var(--gray-50);
  color: var(--gray-600);
  width: 30%;
}

.comparison-table th.highlight {
  background: var(--navy);
  color: var(--white);
  text-align: center;
}

.comparison-table th.other {
  background: var(--gray-50);
  color: var(--gray-500);
  text-align: center;
}

.comparison-table td {
  padding: 16px 28px;
  border-bottom: 1px solid var(--gray-100);
  font-size: 0.9rem;
}

.comparison-table td:first-child {
  color: var(--gray-700);
  font-weight: 500;
  background: var(--gray-50);
}

.comparison-table td.highlight {
  background: rgba(34,167,240,0.04);
  text-align: center;
  font-weight: 600;
}

.comparison-table td.other {
  text-align: center;
  color: var(--gray-400);
}

.comparison-table tr:last-child td { border-bottom: none; }

.check { color: var(--success); font-size: 1.2rem; }
.cross { color: var(--danger); font-size: 1.1rem; }
.partial { color: var(--warning); }

/* ============================================================
   Testimonials Carousel
   ============================================================ */
.testimonials-section {
  background: var(--gray-50);
  overflow: hidden;
}

.carousel-wrapper {
  position: relative;
}

.carousel-track-container {
  overflow: hidden;
  border-radius: var(--radius-lg);
}

.carousel-track {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonial-slide {
  min-width: 100%;
  padding: 4px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  position: relative;
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 24px;
  left: 36px;
  font-size: 72px;
  color: var(--primary);
  opacity: 0.15;
  font-family: Georgia, serif;
  line-height: 1;
}

.testimonial-stars {
  color: #fbbf24;
  font-size: 1rem;
  letter-spacing: 3px;
  margin-bottom: 20px;
}

.testimonial-text {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--gray-700);
  margin-bottom: 28px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.author-name {
  font-weight: 700;
  color: var(--gray-900);
  font-size: 0.95rem;
}

.author-title {
  font-size: 0.825rem;
  color: var(--gray-500);
}

.amount-badge {
  margin-left: auto;
  background: var(--primary-light);
  color: var(--primary-dark);
  font-size: 0.85rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-full);
}

.carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 32px;
}

.carousel-btn {
  width: 44px;
  height: 44px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
  color: var(--gray-600);
  font-size: 18px;
}

.carousel-btn:hover {
  background: var(--primary);
  border-color: var(--primary);
  color: var(--white);
}

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

.dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gray-300);
  cursor: pointer;
  transition: var(--transition);
}

.dot.active {
  background: var(--primary);
  width: 24px;
  border-radius: var(--radius-full);
}

/* ============================================================
   Case Studies
   ============================================================ */
.case-studies-section {
  background: var(--white);
}

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

.case-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}

.case-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.case-header {
  padding: 28px;
  background: var(--navy);
  color: var(--white);
  position: relative;
}

.case-header.blue { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); }
.case-header.green { background: linear-gradient(135deg, #059669, #10b981); }

.case-amount {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}

.case-type {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
}

.case-body {
  padding: 28px;
}

.case-body h4 {
  margin-bottom: 10px;
  color: var(--gray-900);
}

.case-body p {
  font-size: 0.9rem;
  line-height: 1.65;
  margin-bottom: 20px;
}

.case-metrics {
  display: flex;
  gap: 20px;
}

.case-metric {
  text-align: center;
}

.case-metric-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
}

.case-metric-label {
  font-size: 0.75rem;
  color: var(--gray-500);
}

/* ============================================================
   FAQ Accordion
   ============================================================ */
.faq-section {
  background: var(--gray-50);
}

.faq-wrapper {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(34,167,240,0.08);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  gap: 16px;
}

.faq-question h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-800);
  flex: 1;
}

.faq-item.open .faq-question h4 {
  color: var(--primary);
}

.faq-icon {
  width: 32px;
  height: 32px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
  color: var(--gray-500);
  font-size: 18px;
  font-weight: 300;
  line-height: 1;
}

.faq-item.open .faq-icon {
  background: var(--primary);
  color: var(--white);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
}

.faq-answer-inner {
  padding: 0 24px 24px;
  color: var(--gray-600);
  font-size: 0.95rem;
  line-height: 1.7;
}

.faq-item.open .faq-answer {
  max-height: 400px;
}

/* FAQ Categories */
.faq-category {
  margin-bottom: 48px;
}

.faq-category-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--primary);
  display: inline-block;
}

/* ============================================================
   Blog Preview
   ============================================================ */
.blog-section {
  background: var(--white);
}

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

.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.blog-img {
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 48px;
}

.blog-img.navy { background: var(--navy); }
.blog-img.blue { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); }
.blog-img.green { background: linear-gradient(135deg, #059669, #10b981); }

.blog-body {
  padding: 24px;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.blog-cat {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary-dark);
  font-size: 0.725rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: var(--radius-full);
}

.blog-date {
  font-size: 0.8rem;
  color: var(--gray-400);
}

.blog-card h4 {
  margin-bottom: 10px;
  font-size: 1.05rem;
  line-height: 1.35;
}

.blog-card p {
  font-size: 0.875rem;
  line-height: 1.65;
  margin-bottom: 16px;
}

.blog-link {
  color: var(--primary);
  font-size: 0.875rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.blog-link:hover {
  gap: 10px;
  color: var(--primary-dark);
}

/* ============================================================
   Final CTA
   ============================================================ */
.cta-section {
  background: var(--navy);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 100% at 50% 0%, rgba(34,167,240,0.15) 0%, transparent 60%);
}

.cta-section .container { position: relative; }

.cta-section h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.cta-section p {
  color: rgba(255,255,255,0.65);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto 36px;
}

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

/* ============================================================
   Footer
   ============================================================ */
.footer {
  background: #060e1a;
  padding: 72px 0 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(4, 1fr);
  gap: 48px;
  margin-bottom: 56px;
}

.footer-brand img {
  height: 40px;
  margin-bottom: 16px;
}

.footer-brand p {
  color: rgba(255,255,255,0.5);
  font-size: 0.875rem;
  line-height: 1.7;
  margin-bottom: 20px;
}

.footer-contact {
  margin-top: 16px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.5);
  font-size: 0.85rem;
  margin-bottom: 8px;
  transition: var(--transition);
}

.footer-contact-item:hover {
  color: var(--primary);
}

.footer-col h5 {
  color: var(--white);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.footer-col a {
  display: block;
  color: rgba(255,255,255,0.5);
  font-size: 0.875rem;
  padding: 5px 0;
  transition: var(--transition);
}

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

.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: 12px;
}

.footer-bottom p {
  color: rgba(255,255,255,0.35);
  font-size: 0.825rem;
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.footer-bottom-links a {
  color: rgba(255,255,255,0.35);
  font-size: 0.825rem;
  transition: var(--transition);
}

.footer-bottom-links a:hover {
  color: var(--primary);
}

/* ============================================================
   Inner Page Hero
   ============================================================ */
.page-hero {
  background: var(--navy);
  padding: calc(var(--nav-height) + 64px) 0 72px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 30% 50%, rgba(34,167,240,0.1) 0%, transparent 60%);
}

.page-hero .container { position: relative; }

.page-hero-content {
  max-width: 700px;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: 16px;
}

.page-hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 28px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}

.breadcrumb a {
  color: rgba(255,255,255,0.5);
  font-size: 0.85rem;
  transition: var(--transition);
}

.breadcrumb a:hover { color: var(--primary); }

.breadcrumb span {
  color: rgba(255,255,255,0.3);
  font-size: 0.75rem;
}

.breadcrumb .current {
  color: var(--primary);
  font-size: 0.85rem;
  font-weight: 600;
}

/* ============================================================
   Service Overview Section
   ============================================================ */
.overview-section {
  background: var(--white);
}

.overview-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.overview-content h2 {
  margin-bottom: 20px;
}

.overview-content p {
  margin-bottom: 20px;
  font-size: 1rem;
  line-height: 1.75;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  font-size: 0.95rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-100);
}

.check-list li:last-child { border-bottom: none; }

.check-list li::before {
  content: '✓';
  width: 22px;
  height: 22px;
  background: var(--success);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

.overview-visual {
  background: var(--gray-50);
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1px solid var(--gray-200);
}

/* Benefits Cards */
.benefits-section {
  background: var(--gray-50);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.benefit-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
  text-align: center;
  transition: var(--transition);
}

.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}

.benefit-icon {
  width: 60px;
  height: 60px;
  background: var(--primary-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  margin: 0 auto 16px;
}

.benefit-card h4 {
  margin-bottom: 8px;
  font-size: 1rem;
}

.benefit-card p {
  font-size: 0.875rem;
  line-height: 1.6;
}

/* ============================================================
   Apply Page
   ============================================================ */
.apply-page {
  background: var(--gray-50);
  min-height: 100vh;
}

.apply-container {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 24px;
}

.progress-bar-wrapper {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 36px;
  margin-bottom: 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
}

.progress-steps {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
}

.progress-steps::before {
  content: '';
  position: absolute;
  top: 20px;
  left: 20px;
  right: 20px;
  height: 2px;
  background: var(--gray-200);
  z-index: 0;
}

.progress-fill {
  position: absolute;
  top: 20px;
  left: 20px;
  height: 2px;
  background: var(--primary);
  z-index: 1;
  transition: width 0.4s ease;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  position: relative;
  z-index: 2;
}

.step-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 700;
  transition: var(--transition);
}

.progress-step.active .step-circle {
  background: var(--primary);
  color: var(--white);
}

.progress-step.completed .step-circle {
  background: var(--success);
  color: var(--white);
}

.step-label {
  font-size: 0.75rem;
  color: var(--gray-400);
  font-weight: 500;
  white-space: nowrap;
}

.progress-step.active .step-label {
  color: var(--primary);
  font-weight: 600;
}

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.form-step h2 {
  font-size: 1.5rem;
  margin-bottom: 8px;
}

.form-step > p {
  color: var(--gray-500);
  margin-bottom: 32px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-md);
  font-size: 0.95rem;
  color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(34,167,240,0.1);
}

.form-group input.error,
.form-group select.error {
  border-color: var(--danger);
}

.form-group .error-msg {
  color: var(--danger);
  font-size: 0.8rem;
  margin-top: 6px;
  display: none;
}

.form-group.has-error .error-msg {
  display: block;
}

/* Funding Type Selection */
.funding-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}

.funding-type-card {
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}

.funding-type-card:hover {
  border-color: var(--primary);
  background: var(--primary-light);
}

.funding-type-card.selected {
  border-color: var(--primary);
  background: var(--primary-light);
}

.funding-type-card .icon { font-size: 28px; margin-bottom: 10px; }
.funding-type-card h4 { font-size: 0.95rem; margin-bottom: 6px; }
.funding-type-card p { font-size: 0.8rem; color: var(--gray-500); }

.form-actions {
  display: flex;
  gap: 12px;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-100);
}

/* Confirmation Step */
.confirmation-screen {
  text-align: center;
  padding: 20px 0;
}

.confirm-icon {
  width: 80px;
  height: 80px;
  background: #ecfdf5;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
  margin: 0 auto 24px;
}

.next-steps {
  text-align: left;
  margin-top: 36px;
}

.next-step-item {
  display: flex;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-100);
}

.next-step-item:last-child { border-bottom: none; }

.step-num {
  width: 32px;
  height: 32px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}

.next-step-item p {
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ============================================================
   About Page
   ============================================================ */
.story-section {
  background: var(--white);
}

.story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.story-visual {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-xl);
  padding: 48px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.story-visual::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -30%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(34,167,240,0.2), transparent 70%);
}

.values-section {
  background: var(--gray-50);
}

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

.value-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  text-align: center;
  transition: var(--transition);
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.value-icon {
  width: 64px;
  height: 64px;
  background: var(--primary-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  margin: 0 auto 20px;
}

.team-section {
  background: var(--white);
}

.team-placeholder {
  background: var(--gray-50);
  border-radius: var(--radius-xl);
  padding: 64px;
  text-align: center;
  border: 2px dashed var(--gray-300);
}

/* ============================================================
   Scroll Reveal Animations
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }
.reveal-delay-6 { transition-delay: 0.6s; }

/* ============================================================
   Utility Classes
   ============================================================ */
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }

.bg-white { background: var(--white); }
.bg-gray { background: var(--gray-50); }
.bg-navy { background: var(--navy); }

.border-top { border-top: 1px solid var(--gray-100); }

/* ============================================================
   Responsive — Tablet (< 1024px)
   ============================================================ */
@media (max-width: 1024px) {
  :root {
    --section-padding: 72px 0;
  }

  .nav-menu, .nav-cta {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .mobile-menu {
    display: block;
  }

  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2)::after { display: none; }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .calculator-wrapper {
    grid-template-columns: 1fr;
  }

  .calc-output { position: static; }

  .overview-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .story-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

/* ============================================================
   Responsive — Mobile (< 768px)
   ============================================================ */
@media (max-width: 768px) {
  :root {
    --section-padding: 56px 0;
    --nav-height: 68px;
  }

  .stage-cards,
  .service-tiers,
  .feature-cards,
  .case-cards,
  .blog-cards,
  .values-grid,
  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }

  .steps-wrapper {
    flex-direction: column;
    gap: 16px;
  }

  .step-arrow {
    transform: rotate(90deg);
    margin: -4px auto;
    padding: 0;
  }

  .hero-ctas {
    flex-direction: column;
    align-items: center;
  }

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

  .stat-item:nth-child(2)::after { display: none; }
  .stat-item:nth-child(3)::after { display: none; }

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

  .funding-type-grid {
    grid-template-columns: 1fr;
  }

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

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .comparison-table th, .comparison-table td {
    padding: 12px 16px;
    font-size: 0.825rem;
  }

  .calc-inputs, .calc-output {
    padding: 24px;
  }

  .form-card {
    padding: 24px;
  }

  .cta-buttons {
    flex-direction: column;
    align-items: center;
  }

  .testimonial-card {
    padding: 28px 24px;
  }

  .progress-steps {
    gap: 4px;
  }

  .step-label { display: none; }

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

@media (max-width: 480px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .stat-item::after { display: none !important; }
}

/* ============================================================
   Hero Split Layout (Enhanced)
   ============================================================ */
.hero-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  min-height: 600px;
  text-align: left;
}

.hero-layout .hero-badge { display: inline-flex; }
.hero-layout .hero-ctas { justify-content: flex-start; }
.hero-layout .hero-rating { justify-content: flex-start; }
.hero-layout .hero-sub { margin: 0; }

.hero-trust {
  margin-top: 20px;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.hero-trust span { color: rgba(255,255,255,0.4); font-size: 0.8rem; }
.trust-states { color: rgba(255,255,255,0.6); font-size: 0.8rem; font-weight: 600; }

/* Dashboard Card Visual */
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.dash-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 32px;
  width: 100%;
  max-width: 400px;
  backdrop-filter: blur(20px);
  box-shadow: 0 32px 80px rgba(0,0,0,0.4), 0 0 0 1px rgba(34,167,240,0.1);
  position: relative;
  z-index: 2;
}

.dash-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.dash-card-header span { color: rgba(255,255,255,0.9); font-weight: 600; font-size: 0.95rem; }
.dash-live-badge {
  background: rgba(16,185,129,0.15);
  border: 1px solid rgba(16,185,129,0.3);
  color: #10b981;
  font-size: 0.7rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  letter-spacing: .06em;
}

.dash-score-row {
  margin-bottom: 20px;
}
.dash-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 8px;
}
.dash-score-display {
  display: flex;
  align-items: center;
  gap: 16px;
}
.dash-score-num {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}
.dash-score-bar {
  flex: 1;
  height: 8px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-full);
  overflow: hidden;
}
.dash-score-fill {
  height: 100%;
  width: 70%;
  background: linear-gradient(to right, var(--primary), #10b981);
  border-radius: var(--radius-full);
}
.dash-score-label { font-size: 0.75rem; color: #10b981; font-weight: 600; }

.dash-range-row {
  background: rgba(34,167,240,0.08);
  border: 1px solid rgba(34,167,240,0.15);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-bottom: 20px;
}
.dash-range-amount {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  margin-top: 4px;
}
.dash-range-amount span { color: var(--primary); }

.dash-products-row { margin-bottom: 24px; }
.dash-product-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.875rem;
}
.dash-product-item:last-child { border-bottom: none; }
.dash-product-name { color: rgba(255,255,255,0.8); font-weight: 500; }
.dash-product-rate {
  font-weight: 700;
  font-size: 0.8rem;
  padding: 3px 10px;
  border-radius: var(--radius-full);
}
.rate-green { background: rgba(16,185,129,0.15); color: #10b981; }
.rate-blue { background: rgba(34,167,240,0.15); color: var(--primary); }

.dash-cta {
  display: block;
  text-align: center;
  background: var(--primary);
  color: var(--white) !important;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 13px;
  border-radius: var(--radius-full);
  transition: var(--transition);
  box-shadow: var(--shadow-blue);
}
.dash-cta:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
}

/* Floating badges around dashboard card */
.float-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-full);
  padding: 10px 18px;
  font-size: 0.8rem;
  font-weight: 700;
  box-shadow: var(--shadow-lg);
  white-space: nowrap;
  z-index: 3;
}
.float-badge-1 {
  top: 10%;
  left: -10%;
  color: #059669;
}
.float-badge-2 {
  bottom: 15%;
  right: -8%;
  color: var(--primary-dark);
}
.float-badge-3 {
  top: 50%;
  left: -15%;
  color: var(--navy);
}

/* Hero glow orb */
.hero-glow {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(34,167,240,0.15) 0%, transparent 70%);
  pointer-events: none;
}

/* ============================================================
   Logos/Partners Trust Bar
   ============================================================ */
.trust-bar {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  padding: 28px 0;
  overflow: hidden;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}
.trust-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .1em;
  white-space: nowrap;
  margin-right: 8px;
}
.trust-logo-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-full);
  padding: 8px 20px;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--gray-500);
  box-shadow: var(--shadow-sm);
}

/* ============================================================
   Smarter Way Section
   ============================================================ */
.smarter-section {
  background: var(--gray-50);
}
.smarter-grid {
  display: grid;
  grid-template-columns: 1fr 60px 1fr;
  gap: 0;
  align-items: stretch;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-100);
}
.smarter-col {
  padding: 48px 40px;
}
.smarter-col.old { background: var(--white); }
.smarter-col.new { background: var(--navy); }
.smarter-divider {
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  color: var(--gray-400);
  letter-spacing: .1em;
  text-transform: uppercase;
  writing-mode: vertical-rl;
  gap: 8px;
}
.smarter-col-title {
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.smarter-col.old .smarter-col-title { color: var(--gray-400); }
.smarter-col.new .smarter-col-title { color: var(--primary); }
.smarter-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid;
}
.smarter-col.old .smarter-item { border-color: var(--gray-100); }
.smarter-col.new .smarter-item { border-color: rgba(255,255,255,0.07); }
.smarter-item:last-child { border-bottom: none; }
.smarter-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.icon-x { background: #fef2f2; color: #dc2626; }
.icon-check { background: rgba(16,185,129,0.15); color: #10b981; }
.smarter-item-text { font-size: 0.9rem; line-height: 1.5; }
.smarter-col.old .smarter-item-text { color: var(--gray-600); }
.smarter-col.new .smarter-item-text { color: rgba(255,255,255,0.8); }
.smarter-item-sub { font-size: 0.775rem; margin-top: 2px; }
.smarter-col.old .smarter-item-sub { color: var(--gray-400); }
.smarter-col.new .smarter-item-sub { color: rgba(255,255,255,0.4); }

/* ============================================================
   Image Cards (Who This Is For enhanced)
   ============================================================ */
.stage-card-img {
  height: 180px;
  background-size: cover;
  background-position: center;
  margin: -36px -28px 24px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  position: relative;
}
.stage-card-img::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
}
.stage-card-img.img-overlay-orange::after { background: linear-gradient(to bottom, rgba(194,65,12,0.55), rgba(0,0,0,0.3)); }
.stage-card-img.img-overlay-blue::after { background: linear-gradient(to bottom, rgba(14,142,216,0.6), rgba(0,0,0,0.3)); }
.stage-card-img.img-overlay-green::after { background: linear-gradient(to bottom, rgba(5,150,105,0.6), rgba(0,0,0,0.3)); }

/* ============================================================
   Fit Assessment Section
   ============================================================ */
.fit-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.fit-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 80% at 50% 100%, rgba(34,167,240,0.1) 0%, transparent 60%);
}
.fit-section .section-header h2,
.fit-section .section-header p { color: var(--white); }
.fit-section .section-header p { color: rgba(255,255,255,0.6); }
.fit-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  position: relative;
}
.fit-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 40px;
}
.fit-card-title {
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.fit-card.green-card .fit-card-title { color: #10b981; }
.fit-card.blue-card .fit-card-title { color: var(--primary); }
.fit-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  line-height: 1.5;
}
.fit-item:last-child { border-bottom: none; }
.fit-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.dot-green { background: rgba(16,185,129,0.2); color: #10b981; }
.dot-blue { background: rgba(34,167,240,0.2); color: var(--primary); }

/* ============================================================
   Image section — "Thousands of businesses" banner
   ============================================================ */
.photo-banner {
  position: relative;
  height: 420px;
  overflow: hidden;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.photo-banner-item {
  position: relative;
  overflow: hidden;
}
.photo-banner-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s ease;
}
.photo-banner-item:hover img { transform: scale(1.05); }
.photo-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,22,40,0.8) 0%, rgba(10,22,40,0.1) 60%);
}
.photo-banner-text {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 24px 20px 20px;
  color: var(--white);
}
.photo-banner-text strong { display: block; font-size: 0.95rem; font-weight: 700; }
.photo-banner-text span { font-size: 0.775rem; color: rgba(255,255,255,0.6); }

/* ============================================================
   Responsive — new sections
   ============================================================ */
@media (max-width: 1024px) {
  .hero-layout {
    grid-template-columns: 1fr;
    gap: 48px;
    text-align: center;
  }
  .hero-layout .hero-badge { margin: 0 auto; }
  .hero-layout .hero-ctas { justify-content: center; }
  .hero-layout .hero-rating { justify-content: center; }
  .hero-layout .hero-trust { justify-content: center; }
  .hero-visual { display: none; }
  .smarter-grid { grid-template-columns: 1fr; }
  .smarter-divider { display: none; }
  .fit-grid { grid-template-columns: 1fr; }
  .photo-banner { grid-template-columns: repeat(2, 1fr); height: 340px; }
}
@media (max-width: 768px) {
  .smarter-col { padding: 32px 24px; }
  .fit-card { padding: 28px 24px; }
  .photo-banner { grid-template-columns: repeat(2, 1fr); height: 280px; }
  .float-badge { display: none; }
}

/* ============================================================
   Product Page Hero — Split Layout with Image
   ============================================================ */
.page-hero-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  min-height: 420px;
}
.page-hero-layout .page-hero-content { max-width: 100%; }
.page-hero-visual {
  position: relative;
  height: 420px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 40px 100px rgba(0,0,0,0.5);
}
.page-hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,22,40,0.6) 0%, rgba(34,167,240,0.15) 100%);
}
.page-hero-stats {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.page-hero-stat {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 10px 16px;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.page-hero-stat-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.page-hero-stat-lbl {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: .08em;
}
.page-hero-badge-top {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--primary);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: var(--radius-full);
}
@media (max-width: 1024px) {
  .page-hero-layout { grid-template-columns: 1fr; gap: 40px; }
  .page-hero-visual { height: 300px; }
}
@media (max-width: 640px) {
  .page-hero-visual { height: 240px; }
}

/* ============================================================
   Loan Payment Calculator — Product Pages
   ============================================================ */
.loan-calc-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.loan-calc-section::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: radial-gradient(ellipse 60% 70% at 80% 50%, rgba(34,167,240,0.08) 0%, transparent 65%);
}
.loan-calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  position: relative;
}
.loan-calc-left h2 {
  color: var(--white);
  margin-bottom: 12px;
}
.loan-calc-left p {
  color: rgba(255,255,255,0.55);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 32px;
}
.calc-slider-group {
  margin-bottom: 24px;
}
.calc-slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.calc-slider-label span {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,0.4);
}
.calc-slider-label strong {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
}
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  outline: none;
  cursor: pointer;
  background: linear-gradient(to right, var(--primary) 50%, rgba(255,255,255,0.1) 50%);
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(34,167,240,0.4);
}
.loan-calc-right {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 40px;
  backdrop-filter: blur(12px);
}
.calc-result-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: rgba(255,255,255,0.35);
  margin-bottom: 8px;
}
.calc-monthly {
  font-size: 3.2rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 4px;
}
.calc-monthly span { color: var(--primary); }
.calc-monthly-sub {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
  margin-bottom: 32px;
}
.calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.calc-breakdown-row span {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
}
.calc-breakdown-row strong {
  font-size: 0.9rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
}
.calc-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.2);
  line-height: 1.5;
  margin-top: 16px;
  text-align: center;
}
@media (max-width: 1024px) {
  .loan-calc-wrap { grid-template-columns: 1fr; gap: 40px; }
}

/* Light-theme slider (white card calculator) */
.calc-slider-light {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  background: linear-gradient(to right, #22A7F0 50%, #e2e8f0 50%);
}
.calc-slider-light::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #22A7F0;
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(34,167,240,0.4);
}
@media (max-width: 768px) {
  .loan-calc-section > .container > div[style*="grid-template-columns:1fr 1fr"] {
    grid-template-columns: 1fr !important;
  }
}

/* ============================================================
   Phone Mockup Animation — Homepage
   ============================================================ */
.phone-section {
  background: var(--navy);
  overflow: hidden;
  position: relative;
}
.phone-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 80% at 20% 50%, rgba(34,167,240,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 80% 50%, rgba(16,185,129,0.05) 0%, transparent 60%);
}
.phone-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
}
.phone-text h2 { color: var(--white); margin-bottom: 16px; }
.phone-text p { color: rgba(255,255,255,0.55); font-size: 1rem; line-height: 1.7; margin-bottom: 32px; }
.phone-feature-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
}
.phone-feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.phone-feature-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-md);
  background: rgba(34,167,240,0.12);
  border: 1px solid rgba(34,167,240,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.phone-feature-text strong {
  display: block;
  font-size: 0.9rem;
  color: var(--white);
  font-weight: 600;
  margin-bottom: 2px;
}
.phone-feature-text span {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}
/* Phone visual */
.phone-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  padding: 40px 0;
}
.phone-glow {
  position: absolute;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(34,167,240,0.2) 0%, transparent 70%);
  border-radius: 50%;
  animation: phoneGlow 4s ease-in-out infinite alternate;
}
@keyframes phoneGlow {
  from { transform: scale(0.9); opacity: 0.5; }
  to   { transform: scale(1.1); opacity: 1; }
}
.phone-frame {
  position: relative;
  width: 260px;
  background: #0d1f35;
  border-radius: 40px;
  border: 3px solid rgba(255,255,255,0.12);
  box-shadow:
    0 60px 120px rgba(0,0,0,0.6),
    0 0 0 1px rgba(34,167,240,0.15),
    inset 0 0 0 1px rgba(255,255,255,0.05);
  animation: phoneFloat 5s ease-in-out infinite;
  overflow: hidden;
}
@keyframes phoneFloat {
  0%, 100% { transform: translateY(0px) rotate(-1deg); }
  50%       { transform: translateY(-16px) rotate(1deg); }
}
.phone-notch {
  width: 90px;
  height: 22px;
  background: #0d1f35;
  border-radius: 0 0 16px 16px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}
.phone-screen {
  padding: 12px 16px 24px;
}
.phone-app-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}
.phone-app-logo {
  font-size: 0.65rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: .06em;
  text-transform: uppercase;
}
.phone-notif-dot {
  width: 8px;
  height: 8px;
  background: #10b981;
  border-radius: 50%;
  animation: blink 2s ease-in-out infinite;
}
@keyframes blink {
  0%, 100% { opacity: 1; }
  50%       { opacity: 0.3; }
}
.phone-score-card {
  background: rgba(34,167,240,0.1);
  border: 1px solid rgba(34,167,240,0.2);
  border-radius: 12px;
  padding: 12px;
  margin-bottom: 12px;
}
.phone-score-label {
  font-size: 0.55rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 4px;
}
.phone-score-num {
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
}
.phone-score-sub {
  font-size: 0.55rem;
  color: #10b981;
  margin-top: 3px;
}
.phone-score-bar {
  height: 4px;
  background: rgba(255,255,255,0.1);
  border-radius: 2px;
  margin-top: 8px;
  overflow: hidden;
}
.phone-score-fill {
  height: 100%;
  width: 68%;
  background: linear-gradient(to right, var(--primary), #10b981);
  border-radius: 2px;
}
.phone-row {
  display: flex;
  gap: 8px;
  margin-bottom: 10px;
}
.phone-mini-card {
  flex: 1;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 10px;
  padding: 10px;
}
.phone-mini-val {
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.phone-mini-lbl {
  font-size: 0.5rem;
  color: rgba(255,255,255,0.35);
  margin-top: 3px;
}
.phone-approved-bar {
  background: rgba(16,185,129,0.12);
  border: 1px solid rgba(16,185,129,0.25);
  border-radius: 10px;
  padding: 10px 12px;
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 10px;
}
.phone-approved-icon {
  width: 20px;
  height: 20px;
  background: #10b981;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.6rem;
  color: white;
  font-weight: 700;
  flex-shrink: 0;
}
.phone-approved-text strong {
  display: block;
  font-size: 0.65rem;
  color: #10b981;
  font-weight: 700;
}
.phone-approved-text span {
  font-size: 0.55rem;
  color: rgba(255,255,255,0.35);
}
.phone-program-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.phone-program-row:last-child { border-bottom: none; }
.phone-program-name {
  font-size: 0.6rem;
  color: rgba(255,255,255,0.7);
}
.phone-program-rate {
  font-size: 0.6rem;
  font-weight: 700;
  color: var(--primary);
  background: rgba(34,167,240,0.1);
  padding: 2px 6px;
  border-radius: 4px;
}
/* Floating notification cards */
.phone-notif {
  position: absolute;
  background: rgba(15,25,42,0.95);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 14px;
  padding: 12px 16px;
  min-width: 160px;
  backdrop-filter: blur(20px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.4);
}
.phone-notif-1 {
  top: 60px;
  right: -30px;
  animation: notifFloat1 6s ease-in-out infinite;
}
.phone-notif-2 {
  bottom: 80px;
  left: -40px;
  animation: notifFloat2 7s ease-in-out infinite 1s;
}
.phone-notif-3 {
  top: 50%;
  right: -50px;
  transform: translateY(-50%);
  animation: notifFloat3 8s ease-in-out infinite 2s;
}
@keyframes notifFloat1 {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(-8px); }
}
@keyframes notifFloat2 {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(8px); }
}
@keyframes notifFloat3 {
  0%, 100% { transform: translateY(-50%) translateX(0); }
  50%       { transform: translateY(-50%) translateX(6px); }
}
.phone-notif-title {
  font-size: 0.65rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 2px;
}
.phone-notif-body {
  font-size: 0.6rem;
  color: rgba(255,255,255,0.45);
}
.phone-notif-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-size: 0.55rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.badge-green { background: rgba(16,185,129,0.15); color: #10b981; border: 1px solid rgba(16,185,129,0.3); }
.badge-blue  { background: rgba(34,167,240,0.15);  color: var(--primary); border: 1px solid rgba(34,167,240,0.3); }
.badge-gold  { background: rgba(245,158,11,0.15);  color: #f59e0b; border: 1px solid rgba(245,158,11,0.3); }
@media (max-width: 1024px) {
  .phone-layout { grid-template-columns: 1fr; gap: 60px; }
  .phone-visual { padding: 20px 0; }
  .phone-notif-1, .phone-notif-3 { right: -10px; }
  .phone-notif-2 { left: -10px; }
}
@media (max-width: 640px) {
  .phone-frame { width: 220px; }
  .phone-notif { display: none; }
}