/* ===== RESET & BASE ===== */
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Open Sans', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: #1f2937;
  overflow-x: hidden;
}
h1, h2, h3, h4, h5, h6 { font-family: 'Montserrat', sans-serif; font-weight: 600; line-height: 1.3; color: #0f172a; }
h1 { font-size: 60px; }
h2 { font-size: 44px; }
h3 { font-size: 32px; }
a { text-decoration: none; color: inherit; transition: all 0.3s ease; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

:root {
  --primary: #22C55E;
  --primary-light: #F7FEE7;
  --primary-dark: #365314;
  --text-dark: #0f172a;
  --text-gray: #4b5563;
  --white: #ffffff;
  --shadow: 0 10px 40px rgba(34, 197, 94, 0.12);
  --shadow-lg: 0 20px 60px rgba(34, 197, 94, 0.18);
  --gradient: linear-gradient(135deg, #22C55E 0%, #365314 100%);
  --gradient-soft: linear-gradient(135deg, #F7FEE7 0%, #dcfce7 100%);
}

.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; position: relative; }
.section-header { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.section-tag {
  display: inline-block;
  padding: 8px 20px;
  background: rgba(34, 197, 94, 0.1);
  color: var(--primary-dark);
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 20px;
  letter-spacing: 0.5px;
}
.section-desc { color: var(--text-gray); font-size: 18px; margin-top: 16px; }
.gradient-text {
  background: var(--gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  border-radius: 50px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}
.btn-primary {
  background: var(--gradient);
  color: var(--white);
  box-shadow: 0 10px 30px rgba(34, 197, 94, 0.35);
}
.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 15px 40px rgba(34, 197, 94, 0.5);
}
.btn-outline {
  background: transparent;
  color: var(--primary-dark);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-3px);
}
.btn-full { width: 100%; justify-content: center; }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 18px 0;
  background: rgba(247, 254, 231, 0.8);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(34, 197, 94, 0.1);
  transition: all 0.3s ease;
}
.navbar.scrolled {
  padding: 12px 0;
  background: rgba(247, 254, 231, 0.95);
  box-shadow: 0 4px 30px rgba(34, 197, 94, 0.1);
}
.nav-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon {
  width: 48px;
  height: 48px;
  background: var(--gradient);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 22px;
  box-shadow: 0 8px 20px rgba(34, 197, 94, 0.3);
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text span { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 18px; color: var(--primary-dark); }
.logo-text small { font-size: 12px; color: var(--text-gray); letter-spacing: 1px; }
.nav-menu { display: flex; align-items: center; gap: 8px; }
.nav-menu a {
  padding: 10px 18px;
  font-weight: 500;
  color: var(--text-dark);
  border-radius: 50px;
  font-size: 15px;
  position: relative;
}
.nav-menu a:hover, .nav-menu a.active { color: var(--primary-dark); background: rgba(34, 197, 94, 0.1); }
.nav-cta {
  background: var(--gradient) !important;
  color: var(--white) !important;
  padding: 12px 24px !important;
  box-shadow: 0 8px 20px rgba(34, 197, 94, 0.3);
}
.nav-cta:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(34, 197, 94, 0.45); }
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 32px;
  height: 24px;
  position: relative;
}
.hamburger span {
  display: block;
  position: absolute;
  width: 100%;
  height: 3px;
  background: var(--primary-dark);
  border-radius: 3px;
  transition: all 0.3s ease;
  left: 0;
}
.hamburger span:nth-child(1) { top: 0; }
.hamburger span:nth-child(2) { top: 10px; }
.hamburger span:nth-child(3) { top: 20px; }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  padding: 140px 0 80px;
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #365314 100%);
  position: relative;
  overflow: hidden;
  color: var(--white);
}
.hero-bg { position: absolute; inset: 0; overflow: hidden; }
.floating-shape {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.4;
  animation: float 15s infinite ease-in-out;
}
.shape-1 { width: 400px; height: 400px; background: #22C55E; top: -100px; left: -100px; }
.shape-2 { width: 500px; height: 500px; background: #365314; bottom: -150px; right: -150px; animation-delay: -5s; }
.shape-3 { width: 300px; height: 300px; background: #22C55E; top: 40%; left: 50%; animation-delay: -10s; }
@keyframes float {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(50px, -50px) scale(1.1); }
  66% { transform: translate(-30px, 30px) scale(0.95); }
}
.hero-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  background: rgba(34, 197, 94, 0.15);
  border: 1px solid rgba(34, 197, 94, 0.3);
  border-radius: 50px;
  color: #86efac;
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}
.hero h1 { color: var(--white); margin-bottom: 24px; }
.hero-desc { font-size: 18px; color: rgba(255, 255, 255, 0.8); margin-bottom: 36px; max-width: 560px; }
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 50px; }
.hero-stats { display: flex; gap: 40px; }
.hero-stats .stat h3 { color: var(--white); font-size: 40px; margin-bottom: 4px; }
.hero-stats .stat p { color: rgba(255, 255, 255, 0.7); font-size: 14px; }
.hero-image { position: relative; }
.hero-img-wrapper {
  position: relative;
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.4);
}
.hero-img-wrapper img { width: 100%; height: 500px; object-fit: cover; }
.floating-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  padding: 16px 20px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
  animation: floatCard 4s infinite ease-in-out;
}
.floating-card i {
  width: 44px;
  height: 44px;
  background: var(--gradient);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 18px;
}
.floating-card strong { display: block; color: var(--primary-dark); font-family: 'Montserrat', sans-serif; font-size: 16px; }
.floating-card small { color: var(--text-gray); font-size: 12px; }
.card-1 { top: 30px; left: -30px; animation-delay: 0s; }
.card-2 { bottom: 40px; right: -30px; animation-delay: -2s; }
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-15px); }
}

/* ===== ABOUT ===== */
.about-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.about-card {
  background: var(--white);
  padding: 40px 30px;
  border-radius: 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
  border: 1px solid rgba(34, 197, 94, 0.1);
}
.about-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.about-icon {
  width: 80px;
  height: 80px;
  background: var(--gradient-soft);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 32px;
  color: var(--primary-dark);
  transition: all 0.4s ease;
}
.about-card:hover .about-icon {
  background: var(--gradient);
  color: var(--white);
  transform: rotate(-10deg) scale(1.1);
}
.about-card h3 { font-size: 22px; margin-bottom: 12px; }
.about-card p { color: var(--text-gray); font-size: 15px; }

/* ===== MILESTONES ===== */
.milestones { background: var(--gradient-soft); }
.milestone-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 20px;
  margin-bottom: 60px;
}
.milestone-card {
  background: var(--white);
  padding: 30px 20px;
  border-radius: 20px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
}
.milestone-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.milestone-icon {
  width: 60px;
  height: 60px;
  background: var(--gradient);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--white);
  font-size: 24px;
}
.milestone-card h4 { color: var(--primary-dark); font-size: 22px; margin-bottom: 8px; }
.milestone-card p { color: var(--text-gray); font-size: 14px; }
.metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.metric {
  background: var(--white);
  padding: 40px 30px;
  border-radius: 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
}
.metric:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.metric h3 {
  font-size: 56px;
  background: var(--gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 8px;
}
.metric p { color: var(--text-gray); font-weight: 500; }

/* ===== FEATURES ===== */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.feature-card {
  background: var(--white);
  padding: 40px 32px;
  border-radius: 24px;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
  border: 1px solid rgba(34, 197, 94, 0.1);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--gradient);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.feature-icon {
  width: 70px;
  height: 70px;
  background: var(--gradient-soft);
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  font-size: 28px;
  color: var(--primary-dark);
  transition: all 0.4s ease;
}
.feature-card:hover .feature-icon {
  background: var(--gradient);
  color: var(--white);
  transform: scale(1.1) rotate(-5deg);
}
.feature-card h3 { font-size: 22px; margin-bottom: 12px; }
.feature-card p { color: var(--text-gray); }

/* ===== PROCESS ===== */
.process { background: var(--gradient-soft); }
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.process-step {
  background: var(--white);
  padding: 40px 28px;
  border-radius: 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
  position: relative;
}
.process-step:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.step-number {
  position: absolute;
  top: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 50px;
  height: 50px;
  background: var(--gradient);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 18px;
  box-shadow: 0 8px 20px rgba(34, 197, 94, 0.4);
}
.step-icon {
  width: 80px;
  height: 80px;
  background: var(--gradient-soft);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 20px auto 20px;
  font-size: 32px;
  color: var(--primary-dark);
}
.process-step h3 { font-size: 22px; margin-bottom: 12px; }
.process-step p { color: var(--text-gray); font-size: 15px; }

/* ===== SERVICES ===== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.service-img { position: relative; overflow: hidden; height: 350px; }
.service-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s ease; }
.service-card:hover .service-img img { transform: scale(1.1); }
.service-overlay {
  position: absolute;
  inset: 0;
  background: rgba(54, 83, 20, 0.85);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: opacity 0.4s ease;
}
.service-card:hover .service-overlay { opacity: 1; }
.service-content { padding: 28px; }
.service-icon {
  width: 60px;
  height: 60px;
  background: var(--gradient);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 24px;
  margin-bottom: 16px;
  margin-top: -50px;
  position: relative;
  box-shadow: 0 10px 25px rgba(34, 197, 94, 0.3);
}
.service-card h3 { font-size: 22px; margin-bottom: 12px; }
.service-card p { color: var(--text-gray); font-size: 15px; }

/* ===== CTA SECTION ===== */
.cta-box {
  background: var(--gradient);
  border-radius: 30px;
  padding: 60px;
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 40px;
  align-items: center;
  color: var(--white);
  box-shadow: 0 30px 80px rgba(34, 197, 94, 0.3);
  position: relative;
  overflow: hidden;
}
.cta-box::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
}
.cta-content { position: relative; z-index: 2; }
.cta-content h2 { color: var(--white); margin-bottom: 16px; }
.cta-content p { font-size: 18px; margin-bottom: 28px; opacity: 0.95; }
.cta-content .btn-primary {
  background: var(--white);
  color: var(--primary-dark);
}
.cta-image { position: relative; z-index: 2; }
.cta-image img { border-radius: 20px; box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2); }

/* ===== LOAN SECTION ===== */
.loan-box {
  background: var(--white);
  border-radius: 30px;
  padding: 60px;
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 50px;
  align-items: center;
  box-shadow: var(--shadow-lg);
}
.loan-image img { border-radius: 20px; box-shadow: var(--shadow); }
.loan-features { margin: 24px 0; }
.loan-features li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  font-size: 16px;
  color: var(--text-dark);
}
.loan-features i {
  width: 28px;
  height: 28px;
  background: var(--gradient);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
}

/* ===== PRICING ===== */
.pricing { background: var(--gradient-soft); }
.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  align-items: stretch;
}
.pricing-card {
  background: var(--white);
  padding: 40px 32px;
  border-radius: 24px;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
  position: relative;
  display: flex;
  flex-direction: column;
}
.pricing-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.pricing-card.featured {
  background: var(--gradient);
  color: var(--white);
  transform: scale(1.05);
  box-shadow: 0 30px 80px rgba(34, 197, 94, 0.35);
}
.pricing-card.featured h3, .pricing-card.featured .price { color: var(--white); }
.pricing-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  color: var(--primary-dark);
  padding: 6px 20px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}
.pricing-header { text-align: center; padding-bottom: 24px; border-bottom: 1px solid rgba(34, 197, 94, 0.15); margin-bottom: 24px; }
.pricing-card.featured .pricing-header { border-bottom-color: rgba(255, 255, 255, 0.2); }
.pricing-header h3 { font-size: 28px; margin-bottom: 12px; }
.price { font-family: 'Montserrat', sans-serif; font-size: 48px; font-weight: 700; color: var(--primary-dark); }
.price span { font-size: 24px; vertical-align: top; }
.price small { font-size: 16px; font-weight: 400; opacity: 0.7; }
.pricing-header p { color: var(--text-gray); margin-top: 8px; }
.pricing-card.featured .pricing-header p { color: rgba(255, 255, 255, 0.9); }
.pricing-features { flex: 1; margin-bottom: 28px; }
.pricing-features li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  font-size: 15px;
}
.pricing-features i { color: var(--primary); }
.pricing-card.featured .pricing-features i { color: var(--white); }

/* ===== REQUIREMENT FORM ===== */
.requirement-form { background: var(--gradient-soft); }
.form-wrapper {
  background: var(--white);
  border-radius: 30px;
  padding: 60px;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  box-shadow: var(--shadow-lg);
}
.form-info h2 { margin-bottom: 20px; }
.form-info > p { color: var(--text-gray); margin-bottom: 32px; }
.form-features { display: flex; flex-direction: column; gap: 20px; }
.form-feature {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px;
  background: var(--gradient-soft);
  border-radius: 16px;
}
.form-feature i {
  width: 50px;
  height: 50px;
  background: var(--gradient);
  color: var(--white);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.form-feature strong { display: block; color: var(--primary-dark); font-family: 'Montserrat', sans-serif; }
.form-feature small { color: var(--text-gray); font-size: 13px; }
.req-form, .contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-weight: 600; color: var(--primary-dark); font-size: 14px; }
.form-group input, .form-group select, .form-group textarea {
  padding: 14px 18px;
  border: 2px solid rgba(34, 197, 94, 0.15);
  border-radius: 14px;
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  background: var(--primary-light);
  transition: all 0.3s ease;
  color: var(--text-dark);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(34, 197, 94, 0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }

/* ===== REVIEWS ===== */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.review-card {
  background: var(--white);
  padding: 36px 30px;
  border-radius: 24px;
  box-shadow: var(--shadow);
  transition: all 0.4s ease;
  border: 1px solid rgba(34, 197, 94, 0.1);
}
.review-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.review-stars { color: #fbbf24; margin-bottom: 16px; font-size: 18px; }
.review-card p { color: var(--text-gray); font-style: italic; margin-bottom: 24px; line-height: 1.7; }
.review-author { display: flex; align-items: center; gap: 14px; }
.review-author img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; border: 3px solid var(--primary); }
.review-author strong { display: block; color: var(--primary-dark); font-family: 'Montserrat', sans-serif; }
.review-author small { color: var(--text-gray); font-size: 13px; }

/* ===== FAQ ===== */
.faq { background: var(--gradient-soft); }
.faq-grid { max-width: 900px; margin: 0 auto; display: flex; flex-direction: column; gap: 16px; }
.faq-item {
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all 0.3s ease;
}
.faq-item.active { box-shadow: var(--shadow-lg); }
.faq-question {
  padding: 24px 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  gap: 20px;
}
.faq-question h3 { font-size: 18px; margin: 0; flex: 1; }
.faq-question i {
  width: 36px;
  height: 36px;
  background: var(--gradient-soft);
  color: var(--primary-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
  flex-shrink: 0;
}
.faq-item.active .faq-question i { background: var(--gradient); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease;
}
.faq-item.active .faq-answer { max-height: 300px; padding: 0 28px 24px; }
.faq-answer p { color: var(--text-gray); line-height: 1.7; }

/* ===== CONTACT ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 40px;
}
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-card {
  background: var(--white);
  padding: 24px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  gap: 20px;
  box-shadow: var(--shadow);
  transition: all 0.3s ease;
}
.contact-card:hover { transform: translateX(8px); box-shadow: var(--shadow-lg); }
.contact-icon {
  width: 60px;
  height: 60px;
  background: var(--gradient);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 22px;
  flex-shrink: 0;
}
.contact-card h4 { color: var(--primary-dark); margin-bottom: 4px; font-size: 18px; }
.contact-card p, .contact-card a { color: var(--text-gray); font-size: 15px; }
.contact-card a:hover { color: var(--primary-dark); }

/* ===== FOOTER ===== */
.footer {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  color: rgba(255, 255, 255, 0.8);
  padding: 80px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.5fr;
  gap: 40px;
  margin-bottom: 50px;
}
.footer-col .logo { margin-bottom: 20px; }
.footer-col .logo-text span { color: var(--white); }
.footer-col .logo-text small { color: rgba(255, 255, 255, 0.6); }
.footer-col p { font-size: 15px; line-height: 1.7; margin-bottom: 20px; }
.footer-col h4 { color: var(--white); font-size: 18px; margin-bottom: 20px; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col ul a { color: rgba(255, 255, 255, 0.7); font-size: 15px; transition: all 0.3s ease; }
.footer-col ul a:hover { color: var(--primary); padding-left: 6px; }
.social-links { display: flex; gap: 12px; }
.social-links a {
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: all 0.3s ease;
}
.social-links a:hover { background: var(--gradient); transform: translateY(-4px); }
.newsletter-form {
  display: flex;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 50px;
  padding: 6px;
  margin-bottom: 20px;
}
.newsletter-form input {
  flex: 1;
  background: transparent;
  border: none;
  padding: 10px 16px;
  color: var(--white);
  font-family: 'Open Sans', sans-serif;
  font-size: 14px;
  outline: none;
}
.newsletter-form input::placeholder { color: rgba(255, 255, 255, 0.5); }
.newsletter-form button {
  width: 42px;
  height: 42px;
  background: var(--gradient);
  border: none;
  border-radius: 50%;
  color: var(--white);
  cursor: pointer;
  transition: all 0.3s ease;
}
.newsletter-form button:hover { transform: scale(1.1); }
.footer-contact p { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; font-size: 14px; }
.footer-contact i { color: var(--primary); }
.footer-bottom {
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { font-size: 14px; margin: 0; }
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { color: rgba(255, 255, 255, 0.7); font-size: 14px; }
.footer-bottom-links a:hover { color: var(--primary); }

/* ===== ANIMATIONS ===== */
.reveal { opacity: 0; transform: translateY(40px); transition: all 0.8s cubic-bezier(0.4, 0, 0.2, 1); }
.reveal.active { opacity: 1; transform: translateY(0); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  h1 { font-size: 48px; }
  h2 { font-size: 36px; }
  h3 { font-size: 26px; }
  .about-grid, .services-grid { grid-template-columns: repeat(2, 1fr); }
  .milestone-grid { grid-template-columns: repeat(3, 1fr); }
  .features-grid, .pricing-grid, .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .pricing-card.featured { transform: scale(1); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .section { padding: 70px 0; }
  h1 { font-size: 36px; }
  h2 { font-size: 28px; }
  h3 { font-size: 22px; }
  .hamburger { display: block; }
  .nav-menu {
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    transform: translateY(-150%);
    transition: transform 0.4s ease;
    gap: 0;
  }
  .nav-menu.active { transform: translateY(0); }
  .nav-menu li { width: 100%; }
  .nav-menu a { display: block; padding: 14px 20px; }
  .hero { padding: 120px 0 60px; }
  .hero-container { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .hero-stats .stat h3 { font-size: 30px; }
  .hero-img-wrapper img { height: 350px; }
  .card-1, .card-2 { left: 10px; right: auto; }
  .card-2 { bottom: 20px; }
  .about-grid, .features-grid, .services-grid, .pricing-grid, .reviews-grid, .metrics-grid { grid-template-columns: 1fr; }
  .milestone-grid, .process-grid { grid-template-columns: 1fr 1fr; }
  .cta-box, .loan-box, .form-wrapper, .contact-grid { grid-template-columns: 1fr; padding: 40px 24px; gap: 30px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  h1 { font-size: 30px; }
  .btn { padding: 14px 24px; font-size: 14px; }
  .milestone-grid, .process-grid { grid-template-columns: 1fr; }
  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { width: 100%; justify-content: center; }
}