/* =============================================
   AFTERALL MORTGAGES — REDESIGN 2026
   Navy #001e50 · Gold #c9943a · Teal #00b4a0
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400&family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  --navy:       #001e50;
  --navy-light: #0a2d6e;
  --navy-dark:  #00142f;
  --gold:       #c9943a;
  --gold-light: #e0b060;
  --gold-pale:  #fdf3e3;
  --teal:       #00b4a0;
  --blue:       #1a6ef5;
  --white:      #ffffff;
  --off-white:  #f7f9fc;
  --gray:       #6b7280;
  --light-gray: #e4e8f0;
  --font-display: 'Cormorant Garamond', serif;
  --font-body:    'Inter', sans-serif;
  --ease:    cubic-bezier(0.25, 0.8, 0.25, 1);
  --tr:      all 0.35s var(--ease);
  --r:       16px;
  --r-sm:    10px;
  --r-pill:  50px;
  --shadow:  0 20px 60px rgba(0,30,80,0.1);
  --shadow-g:0 8px 32px rgba(201,148,58,0.3);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--navy);
  overflow-x: hidden;
  line-height: 1.6;
}
::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }

/* =============================================
   PRELOADER
   ============================================= */
#preloader {
  position: fixed; inset: 0;
  background: var(--navy-dark);
  display: flex; align-items: center; justify-content: center;
  z-index: 9999;
  transition: opacity 0.8s ease, visibility 0.8s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; }

.preloader-logo { text-align: center; animation: pulseGlow 1.5s ease infinite; }
.preloader-logo .logo-text {
  font-family: var(--font-display);
  color: var(--white); font-size: 2.5rem; font-weight: 600; letter-spacing: 0.3em;
}
.preloader-logo .logo-sub {
  color: var(--gold); font-size: 0.65rem; letter-spacing: 0.5em; font-weight: 300; margin-top: 4px;
}
.preloader-bar {
  width: 200px; height: 1px;
  background: rgba(255,255,255,0.1);
  margin: 20px auto 0; overflow: hidden; position: relative;
}
.preloader-bar::after {
  content: ''; position: absolute; top: 0; left: -100%;
  height: 100%; width: 100%;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  animation: loading 1.5s ease infinite;
}
@keyframes loading { to { left: 100%; } }
@keyframes pulseGlow { 0%, 100% { opacity: 1; } 50% { opacity: 0.6; } }

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000; padding: 18px 0;
  background: var(--white);
  box-shadow: 0 2px 20px rgba(0,30,80,0.08);
  transition: var(--tr);
}
.navbar.scrolled {
  background: var(--white);
  backdrop-filter: blur(20px);
  padding: 12px 0;
  box-shadow: 0 4px 30px rgba(0,30,80,0.15);
}
.nav-container {
  max-width: 1280px; margin: 0 auto; padding: 0 40px;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo {
  display: flex; align-items: center; gap: 12px; text-decoration: none;
}
.nav-logo .logo-a { width: 38px; height: 38px; flex-shrink: 0; }
.logo-text-wrap { display: flex; flex-direction: column; line-height: 1; }
.logo-wordmark {
  font-family: var(--font-display);
  color: var(--navy); font-size: 1.1rem; letter-spacing: 0.2em; font-weight: 600;
}
.logo-tag { color: var(--gold); font-size: 0.5rem; letter-spacing: 0.35em; font-weight: 300; margin-top: 2px; }

.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav-links a {
  color: rgba(0,30,80,0.62); text-decoration: none;
  font-size: 0.78rem; font-weight: 500; letter-spacing: 0.04em;
  transition: color 0.3s;
}
.nav-links a:hover { color: var(--navy); }
.nav-cta {
  background: var(--gold) !important;
  color: var(--white) !important;
  padding: 10px 24px !important;
  border-radius: var(--r-pill) !important;
  font-size: 0.78rem !important; font-weight: 600 !important;
  transition: var(--tr) !important;
}
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); box-shadow: var(--shadow-g); }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 5px; background: none; border: none;
}
.hamburger span { width: 24px; height: 2px; background: var(--navy); display: block; transition: var(--tr); }

/* =============================================
   HERO
   ============================================= */
.hero {
  min-height: 100vh;
  background: linear-gradient(rgba(0,10,28,0.68), rgba(0,20,47,0.82)),
              url('../image/dubai.jpg') center/cover no-repeat;
  position: relative;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  overflow: hidden;
  padding: 120px 40px 80px;
  gap: 0;
}

/* Animated gradient blobs */
.hero-mesh { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.mesh-blob {
  position: absolute; border-radius: 50%;
  filter: blur(80px); opacity: 0.55;
  animation: blobFloat 9s ease-in-out infinite;
}
.blob-1 {
  width: 650px; height: 650px;
  background: radial-gradient(circle, rgba(201,148,58,0.35) 0%, transparent 70%);
  top: -220px; right: -120px;
}
.blob-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(0,180,160,0.22) 0%, transparent 70%);
  bottom: -150px; left: -80px;
  animation-delay: -3s;
}
.blob-3 {
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(26,110,245,0.18) 0%, transparent 70%);
  top: 30%; left: 25%;
  animation-delay: -6s;
}
@keyframes blobFloat {
  0%, 100% { transform: translate(0,0) scale(1); }
  33% { transform: translate(28px,-28px) scale(1.06); }
  66% { transform: translate(-18px,18px) scale(0.94); }
}

/* Holo-style animated gold curve */
.hero-curve {
  position: absolute; right: 0; top: 0;
  height: 100%; width: 380px;
  pointer-events: none;
}
.curve-path-1 {
  stroke-dasharray: 1200;
  stroke-dashoffset: 1200;
  animation: drawCurve 3s ease-out 1.2s forwards;
}
.curve-path-2 {
  stroke-dasharray: 1200;
  stroke-dashoffset: 1200;
  animation: drawCurve 3s ease-out 1.6s forwards;
}
@keyframes drawCurve { to { stroke-dashoffset: 0; } }

/* Hero content — CSS keyframe animations (no JS needed) */
.hero-content {
  position: relative; z-index: 2;
  text-align: center; max-width: 780px; width: 100%;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(201,148,58,0.12);
  border: 1px solid rgba(201,148,58,0.28);
  color: var(--gold); font-size: 0.72rem; font-weight: 500;
  letter-spacing: 0.18em; text-transform: uppercase;
  padding: 9px 22px; border-radius: var(--r-pill);
  margin-bottom: 28px;
  opacity: 0; animation: fadeUp 0.8s ease 0.4s forwards;
}
.badge-dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--gold);
  animation: blink 1.5s ease infinite;
}
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: 0.2; } }

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(3rem, 7vw, 6.5rem);
  font-weight: 300; line-height: 1.05;
  color: var(--white); letter-spacing: -0.02em;
  opacity: 0; animation: fadeUp 0.9s ease 0.6s forwards;
}
.gradient-text {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, #fff8e8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-style: italic;
}
.hero-sub {
  margin-top: 20px; color: rgba(255,255,255,0.5);
  font-size: 1rem; font-weight: 300; line-height: 1.7;
  opacity: 0; animation: fadeUp 0.9s ease 0.8s forwards;
}
.hero-btns {
  display: flex; gap: 14px; justify-content: center; flex-wrap: wrap;
  margin-top: 38px;
  opacity: 0; animation: fadeUp 0.9s ease 1s forwards;
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Pill buttons */
.btn-pill-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--white);
  padding: 14px 32px; border-radius: var(--r-pill);
  font-size: 0.85rem; font-weight: 600;
  text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: var(--tr); box-shadow: var(--shadow-g);
}
.btn-pill-primary:hover { transform: translateY(-3px); box-shadow: 0 16px 40px rgba(201,148,58,0.45); }

.btn-pill-outline {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.22);
  color: var(--white); padding: 14px 32px; border-radius: var(--r-pill);
  font-size: 0.85rem; font-weight: 500;
  text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: var(--tr); backdrop-filter: blur(10px);
}
.btn-pill-outline:hover { background: rgba(255,255,255,0.16); transform: translateY(-2px); }

/* Hero stats */
.hero-stats {
  position: relative; z-index: 2;
  display: flex; gap: 14px; flex-wrap: wrap; justify-content: center;
  margin-top: 60px;
  opacity: 0; animation: fadeUp 0.9s ease 1.2s forwards;
}
.stat-chip {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  backdrop-filter: blur(16px);
  border-radius: var(--r); padding: 18px 26px;
  text-align: center; transition: var(--tr);
}
.stat-chip:hover { background: rgba(255,255,255,0.12); transform: translateY(-4px); }
.stat-chip-gold {
  background: rgba(201,148,58,0.12);
  border-color: rgba(201,148,58,0.28);
}
.stat-n {
  font-family: var(--font-display); color: var(--white);
  font-size: 2rem; font-weight: 500; line-height: 1;
}
.stat-chip-gold .stat-n { color: var(--gold); }
.stat-l {
  color: rgba(255,255,255,0.4); font-size: 0.68rem;
  text-transform: uppercase; letter-spacing: 0.15em; margin-top: 4px;
}

/* =============================================
   PROMO TICKER
   ============================================= */
.promo-banner {
  background: linear-gradient(90deg, var(--navy-dark), var(--navy), var(--navy-dark));
  padding: 18px 0; overflow: hidden;
}
.promo-ticker {
  display: flex; align-items: center; gap: 50px;
  animation: ticker 26s linear infinite; white-space: nowrap;
}
.promo-item { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.promo-icon { color: var(--gold); font-size: 0.9rem; }
.promo-text { color: rgba(255,255,255,0.65); font-size: 0.78rem; }
.promo-highlight { color: var(--gold); font-weight: 700; font-size: 0.85rem; }
.promo-sep { color: rgba(201,148,58,0.35); font-size: 1rem; }
@keyframes ticker { to { transform: translateX(-50%); } }

/* =============================================
   BANKS SECTION
   ============================================= */
.banks-section {
  padding: 48px 0 56px;
  background: var(--off-white);
  border-bottom: 1px solid var(--light-gray);
}
.banks-label {
  text-align: center; color: var(--gray);
  font-size: 0.78rem; font-weight: 500;
  letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 24px;
}
.banks-grid {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 10px; max-width: 760px; margin: 0 auto;
}
.bank-chip {
  background: var(--white); border: 1px solid var(--light-gray);
  border-radius: var(--r-sm); padding: 10px 22px;
  font-size: 0.82rem; font-weight: 600; color: var(--navy);
  letter-spacing: 0.02em; transition: var(--tr); cursor: default;
}
.bank-chip:hover { border-color: var(--gold); color: var(--gold); box-shadow: 0 4px 16px rgba(201,148,58,0.1); }

/* =============================================
   SHARED SECTION STYLES
   ============================================= */
.container { max-width: 1280px; margin: 0 auto; padding: 0 40px; }
.section-tag {
  font-size: 0.7rem; font-weight: 600; letter-spacing: 0.25em;
  text-transform: uppercase; color: var(--gold);
  display: block; margin-bottom: 12px;
}
.section-h {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 300; line-height: 1.15; color: var(--navy);
  margin-bottom: 0;
}
.section-h em { font-style: italic; color: var(--gold); }
.text-center { text-align: center; }

/* =============================================
   WHY CHOOSE US
   ============================================= */
.why-section { padding: 100px 0; background: var(--off-white); }
.why-section .section-h { margin-bottom: 8px; }
.why-section .section-sub {
  color: var(--gray); font-size: 0.92rem; font-weight: 300;
  max-width: 540px; line-height: 1.8; margin-bottom: 0;
}
.why-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 24px; margin-top: 52px;
}
.why-card {
  background: var(--off-white); border: 1px solid var(--light-gray);
  border-radius: var(--r); padding: 40px 30px;
  transition: var(--tr); position: relative; overflow: hidden;
}
.why-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px; background: transparent; transition: background 0.3s;
}
.why-card:hover::after { background: var(--gold); }
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.why-icon {
  width: 58px; height: 58px; border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 20px; transition: var(--tr);
}
.why-icon-blue { background: rgba(26,110,245,0.1); color: var(--blue); }
.why-icon-gold { background: rgba(201,148,58,0.12); color: var(--gold); }
.why-icon-teal { background: rgba(0,180,160,0.12); color: var(--teal); }
.why-card:hover .why-icon-blue { background: var(--blue); color: #fff; }
.why-card:hover .why-icon-gold { background: var(--gold); color: #fff; }
.why-card:hover .why-icon-teal { background: var(--teal); color: #fff; }
.why-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.why-card p { font-size: 0.83rem; color: var(--gray); font-weight: 300; line-height: 1.7; }

/* =============================================
   SERVICES — DARK
   ============================================= */
.services-section {
  padding: 100px 0; background: var(--navy);
  position: relative; overflow: hidden;
}
.services-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,148,58,0.07) 0%, transparent 55%);
  pointer-events: none;
}
.services-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 14px; margin-top: 50px;
}
.srv-card {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r); padding: 28px 24px;
  display: flex; align-items: center; gap: 18px;
  transition: var(--tr); cursor: default;
}
.srv-card:hover {
  background: rgba(201,148,58,0.08); border-color: rgba(201,148,58,0.22);
  transform: translateY(-4px);
}
.srv-icon {
  width: 48px; height: 48px; border-radius: var(--r-sm); flex-shrink: 0;
  background: rgba(201,148,58,0.12); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem; transition: var(--tr);
}
.srv-card:hover .srv-icon { background: var(--gold); color: #fff; }
.srv-card h3 { font-size: 0.9rem; font-weight: 600; color: var(--white); margin-bottom: 4px; }
.srv-card p { font-size: 0.78rem; color: rgba(255,255,255,0.4); font-weight: 300; line-height: 1.5; }

/* =============================================
   PROCESS — 3 STEPS
   ============================================= */
.process-section { padding: 100px 0; background: var(--off-white); }
.steps-row {
  display: flex; align-items: stretch; justify-content: center;
  gap: 0; margin-top: 60px; flex-wrap: wrap;
}
.step-card {
  flex: 1; min-width: 200px; max-width: 270px;
  background: var(--white); border: 1px solid var(--light-gray);
  border-radius: var(--r); padding: 36px 24px;
  text-align: center; position: relative;
  transition: var(--tr);
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--gold); }
.step-num-badge {
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%);
  background: var(--gold); color: var(--white);
  font-size: 0.7rem; font-weight: 700;
  width: 26px; height: 26px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.step-icon {
  width: 58px; height: 58px; border-radius: var(--r-sm);
  background: rgba(201,148,58,0.1); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin: 0 auto 18px; transition: var(--tr);
}
.step-card:hover .step-icon { background: var(--gold); color: #fff; }
.step-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-card p { font-size: 0.8rem; color: var(--gray); font-weight: 300; line-height: 1.6; }
.step-connector {
  display: flex; align-items: center; justify-content: center;
  padding: 0 6px; flex-shrink: 0; position: relative;
}
.connector-line {
  width: 32px; height: 1px;
  background: linear-gradient(90deg, rgba(201,148,58,0.3), rgba(201,148,58,0.6));
}
.connector-arrow {
  color: rgba(201,148,58,0.5); font-size: 0.7rem; margin-left: 4px;
}

/* =============================================
   CASHBACK — BOLD
   ============================================= */
.cashback-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, #0a1a40 60%, var(--navy-dark) 100%);
  position: relative; overflow: hidden;
}
.cashback-section::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse at 5% 50%, rgba(201,148,58,0.14) 0%, transparent 50%),
    radial-gradient(ellipse at 95% 50%, rgba(0,180,160,0.08) 0%, transparent 50%);
}
.cashback-curve {
  position: absolute; bottom: 0; left: 0;
  width: 60%; pointer-events: none; opacity: 0.6;
}
.cashback-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center; position: relative;
}
.cashback-eyebrow {
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.25em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 20px;
}
.cashback-big {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6vw, 5rem);
  font-weight: 500; line-height: 0.95; color: var(--white);
}
.cashback-big span {
  font-size: 1.4rem; color: rgba(255,255,255,0.35);
  font-style: normal; display: block; margin: 10px 0;
}
.cashback-label-text {
  font-size: 0.85rem; color: var(--gold); font-weight: 500;
  letter-spacing: 0.1em; margin-top: 14px;
}
.cashback-cond {
  color: rgba(255,255,255,0.4); font-size: 0.82rem;
  font-weight: 300; line-height: 1.7; margin-top: 14px; margin-bottom: 32px;
}
.btn-pill-gold {
  background: var(--gold); color: var(--white);
  padding: 14px 32px; border-radius: var(--r-pill);
  font-size: 0.85rem; font-weight: 600; text-decoration: none;
  display: inline-flex; align-items: center; gap: 10px;
  transition: var(--tr); box-shadow: var(--shadow-g);
}
.btn-pill-gold:hover { background: var(--gold-light); transform: translateY(-3px); box-shadow: 0 14px 40px rgba(201,148,58,0.45); }

.cashback-right {
  display: flex; flex-direction: column; align-items: center; gap: 32px;
}
.cashback-circle {
  width: 200px; height: 200px; border-radius: 50%;
  border: 2px solid rgba(201,148,58,0.3);
  background: radial-gradient(circle, rgba(201,148,58,0.12) 0%, rgba(201,148,58,0.02) 100%);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 0 60px rgba(201,148,58,0.12), inset 0 0 40px rgba(201,148,58,0.05);
  animation: pulse 3s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 60px rgba(201,148,58,0.12), inset 0 0 40px rgba(201,148,58,0.05); transform: scale(1); }
  50% { box-shadow: 0 0 90px rgba(201,148,58,0.22), inset 0 0 60px rgba(201,148,58,0.08); transform: scale(1.03); }
}
.cc-inner { text-align: center; }
.cc-amount {
  font-family: var(--font-display); color: var(--gold);
  font-size: 2.8rem; font-weight: 500; line-height: 1;
}
.cc-label {
  color: rgba(255,255,255,0.35); font-size: 0.62rem;
  text-transform: uppercase; letter-spacing: 0.2em; margin-top: 6px;
}
.cashback-perks { display: flex; flex-direction: column; gap: 10px; width: 100%; }
.perk-item {
  display: flex; align-items: center; gap: 12px;
  color: rgba(255,255,255,0.65); font-size: 0.83rem; font-weight: 400;
}
.perk-item i { color: var(--teal); font-size: 0.8rem; flex-shrink: 0; }

/* =============================================
   CALCULATOR
   ============================================= */
.calculator-section { padding: 100px 0; background: var(--white); }
.calculator-wrapper {
  display: grid; grid-template-columns: 1.1fr 0.9fr;
  gap: 36px; align-items: start; margin-top: 60px;
}
.calc-form {
  background: var(--off-white); border: 1px solid var(--light-gray);
  border-radius: var(--r); padding: 46px;
}
.calc-form h3 {
  font-family: var(--font-display); font-size: 1.4rem; font-weight: 400;
  color: var(--navy); margin-bottom: 28px; padding-bottom: 18px;
  border-bottom: 1px solid var(--light-gray);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block; font-size: 0.67rem; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--navy); margin-bottom: 9px;
}
.input-wrap { position: relative; }
.input-wrap .currency {
  position: absolute; left: 0; top: 0; bottom: 0;
  display: flex; align-items: center; padding: 0 13px;
  background: var(--navy); color: var(--gold);
  font-size: 0.75rem; font-weight: 600;
  border-radius: var(--r-sm) 0 0 var(--r-sm);
}
.input-wrap input,
.input-wrap select {
  width: 100%; padding: 13px 13px 13px 58px;
  border: 1px solid var(--light-gray); border-radius: var(--r-sm);
  background: var(--white); font-family: var(--font-body);
  font-size: 0.88rem; color: var(--navy); font-weight: 500;
  outline: none; transition: var(--tr); appearance: none;
}
.input-wrap input:focus, .input-wrap select:focus { border-color: var(--gold); }
.input-wrap.no-prefix input, .input-wrap.no-prefix select { padding-left: 13px; }
.range-wrap input[type="range"] {
  width: 100%; height: 4px; -webkit-appearance: none; appearance: none;
  background: var(--light-gray); border-radius: 2px;
  outline: none; padding: 0; border: none; cursor: pointer; margin-top: 10px;
}
.range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(201,148,58,0.4); cursor: pointer;
}
.range-labels { display: flex; justify-content: space-between; margin-top: 6px; color: var(--gray); font-size: 0.64rem; }
.range-value-display { font-weight: 600; color: var(--navy); font-size: 0.78rem; margin-top: 8px; }
.calc-btn {
  width: 100%; padding: 16px; background: var(--navy); color: var(--white);
  border: none; border-radius: var(--r-sm); font-family: var(--font-body);
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; cursor: pointer; transition: var(--tr); margin-top: 8px;
}
.calc-btn:hover { background: var(--navy-light); transform: translateY(-1px); }

.calc-results {
  background: var(--navy); border-radius: var(--r);
  padding: 38px 34px; position: relative; overflow: hidden;
}
.calc-results::after {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}
.result-label-top {
  color: rgba(255,255,255,0.38); font-size: 0.62rem;
  letter-spacing: 0.28em; text-transform: uppercase; margin-bottom: 8px;
}
.payment-amount {
  font-family: var(--font-display); color: var(--gold);
  font-size: clamp(2rem,4vw,3rem); font-weight: 500; line-height: 1;
}
.payment-period { color: rgba(255,255,255,0.33); font-size: 0.7rem; letter-spacing: 0.2em; margin-top: 5px; }
.result-divider { width: 100%; height: 1px; background: rgba(255,255,255,0.08); margin: 22px 0; }
.result-breakdown { display: flex; flex-direction: column; gap: 12px; }
.breakdown-row { display: flex; justify-content: space-between; align-items: center; }
.b-label { color: rgba(255,255,255,0.42); font-size: 0.75rem; font-weight: 300; }
.b-value { color: var(--white); font-size: 0.82rem; font-weight: 500; }
.result-pie { margin-top: 22px; }
.pie-chart-wrap { display: flex; justify-content: center; }
.pie-chart-wrap canvas { max-width: 160px; max-height: 160px; width: 160px !important; height: 160px !important; }
.pie-legend { display: flex; gap: 16px; justify-content: center; margin-top: 12px; flex-wrap: wrap; }
.legend-item { display: flex; align-items: center; gap: 6px; font-size: 0.68rem; color: rgba(255,255,255,0.45); }
.legend-dot { width: 8px; height: 8px; border-radius: 50%; }
.result-cta { margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,0.08); }
.result-cta a {
  display: block; text-align: center; padding: 12px;
  background: var(--gold); color: var(--white);
  text-decoration: none; border-radius: var(--r-sm);
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; transition: var(--tr);
}
.result-cta a:hover { background: var(--gold-light); }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonials-section { padding: 100px 0; background: var(--off-white); }
.testimonials-slider { position: relative; overflow: hidden; margin-top: 50px; }
.testimonials-track { display: flex; gap: 24px; transition: transform 0.5s var(--ease); }
.testimonial-card {
  min-width: calc(33.333% - 16px);
  background: var(--white); border: 1px solid var(--light-gray);
  border-radius: var(--r); padding: 34px; flex-shrink: 0; transition: var(--tr);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(201,148,58,0.2); }
.stars { color: var(--gold); font-size: 0.78rem; letter-spacing: 3px; margin-bottom: 14px; }
.testimonial-card p { color: var(--gray); font-size: 0.88rem; font-style: italic; line-height: 1.8; font-weight: 300; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; color: var(--white); font-weight: 600; flex-shrink: 0;
}
.author-info .name { font-size: 0.82rem; font-weight: 600; color: var(--navy); }
.author-info .role { font-size: 0.7rem; color: var(--gold); margin-top: 2px; }
.slider-controls { display: flex; justify-content: center; align-items: center; gap: 14px; margin-top: 34px; }
.slider-btn {
  width: 42px; height: 42px; border-radius: 50%;
  border: 1px solid rgba(201,148,58,0.3);
  background: transparent; color: var(--gold);
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; transition: var(--tr);
}
.slider-btn:hover { background: var(--gold); color: var(--white); border-color: var(--gold); }
.slider-dots { display: flex; gap: 8px; }
.slider-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: rgba(201,148,58,0.3); cursor: pointer; transition: var(--tr);
}
.slider-dot.active { background: var(--gold); width: 20px; border-radius: 3px; }

/* =============================================
   CTA / CONTACT
   ============================================= */
.cta-section {
  padding: 100px 0;
  background: var(--navy);
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse at 50% 50%, rgba(201,148,58,0.07) 0%, transparent 60%);
}
.cta-curve {
  position: absolute; right: 0; top: 0;
  height: 100%; pointer-events: none; opacity: 0.7;
}
.cta-inner {
  max-width: 860px; margin: 0 auto;
  text-align: center; position: relative;
}
.cta-badge {
  display: inline-block;
  background: rgba(201,148,58,0.1); border: 1px solid rgba(201,148,58,0.22);
  color: var(--gold); font-size: 0.7rem; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase;
  padding: 8px 20px; border-radius: var(--r-pill); margin-bottom: 22px;
}
.cta-inner h2 {
  font-family: var(--font-display);
  font-size: clamp(2rem,5vw,3.5rem);
  font-weight: 300; line-height: 1.15; color: var(--white); margin-bottom: 14px;
}
.cta-inner h2 em { color: var(--gold); font-style: italic; }
.cta-inner > p {
  color: rgba(255,255,255,0.4); font-size: 0.9rem;
  font-weight: 300; margin-bottom: 38px;
}
.cta-form-box {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--r); padding: 32px;
}
.cta-row-top {
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  gap: 12px; margin-bottom: 12px;
}
.cta-row-bot {
  display: grid; grid-template-columns: 1fr auto; gap: 12px;
}
.cta-form-box input,
.cta-form-box select {
  padding: 13px 16px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--r-sm);
  color: var(--white); font-family: var(--font-body);
  font-size: 0.85rem; outline: none; transition: var(--tr); appearance: none;
  width: 100%;
}
.cta-form-box input::placeholder { color: rgba(255,255,255,0.28); }
.cta-form-box input:focus, .cta-form-box select:focus { border-color: var(--gold); }
.cta-form-box select option { background: var(--navy); color: var(--white); }
.cf-submit {
  padding: 13px 26px;
  background: var(--gold); color: var(--white);
  border: none; border-radius: var(--r-sm);
  font-family: var(--font-body); font-size: 0.82rem; font-weight: 600;
  cursor: pointer; transition: var(--tr); white-space: nowrap;
  display: flex; align-items: center; gap: 8px;
}
.cf-submit:hover { background: var(--gold-light); transform: translateY(-1px); }
.cta-chips {
  display: flex; gap: 14px; justify-content: center;
  flex-wrap: wrap; margin-top: 28px;
}
.cta-chip {
  display: flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--r-pill); padding: 8px 18px;
  color: rgba(255,255,255,0.5); font-size: 0.78rem;
}
.cta-chip i { color: var(--gold); font-size: 0.75rem; }

/* =============================================
   FOOTER
   ============================================= */
footer { background: var(--white); padding: 60px 0 28px; border-top: 1px solid var(--light-gray); }
.footer-top {
  display: grid; grid-template-columns: 1.6fr 1fr;
  gap: 60px; padding-bottom: 40px;
  border-bottom: 1px solid var(--light-gray);
}
.footer-logo-wrap { margin-bottom: 14px; }
.footer-brand .logo-wordmark {
  font-family: var(--font-display); color: var(--navy);
  font-size: 1.2rem; letter-spacing: 0.2em; font-weight: 500; display: block;
}
.footer-brand .logo-tag {
  color: var(--gold); font-size: 0.5rem; letter-spacing: 0.4em;
  font-weight: 300; display: block; margin-top: 2px;
}
.footer-brand p {
  color: var(--gray); font-size: 0.78rem;
  font-weight: 300; line-height: 1.8; max-width: 280px; margin-top: 14px;
}
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.social-btn {
  width: 34px; height: 34px; border-radius: 50%;
  border: 1px solid rgba(0,30,80,0.15);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy); text-decoration: none;
  font-size: 0.78rem; transition: var(--tr);
}
.social-btn:hover { border-color: var(--gold); color: var(--gold); }
.footer-links-group { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.footer-col h4 {
  color: var(--navy); font-size: 0.68rem; font-weight: 600;
  letter-spacing: 0.2em; text-transform: uppercase;
  margin-bottom: 14px; padding-bottom: 10px;
  border-bottom: 1px solid var(--light-gray);
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a {
  color: var(--gray); text-decoration: none;
  font-size: 0.78rem; font-weight: 300; transition: color 0.3s;
}
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  padding-top: 22px; display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { color: var(--gray); font-size: 0.7rem; font-weight: 300; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a {
  color: var(--gray); text-decoration: none;
  font-size: 0.7rem; transition: color 0.3s;
}
.footer-bottom-links a:hover { color: var(--gold); }

/* =============================================
   SCROLL REVEAL
   ============================================= */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.revealed { opacity: 1; transform: none; }
.reveal-left { opacity: 0; transform: translateX(-28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal-left.revealed { opacity: 1; transform: none; }
.reveal-right { opacity: 0; transform: translateX(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal-right.revealed { opacity: 1; transform: none; }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

/* =============================================
   MOBILE MENU
   ============================================= */
.mobile-menu {
  position: fixed; top: 0; right: -100%;
  width: 300px; height: 100vh; background: var(--navy-dark);
  z-index: 998; padding: 100px 40px 40px;
  transition: right 0.4s var(--ease);
  display: flex; flex-direction: column;
}
.mobile-menu.open { right: 0; }
.mobile-menu a {
  color: rgba(255,255,255,0.7); text-decoration: none;
  font-size: 0.85rem; font-weight: 400; letter-spacing: 0.1em;
  text-transform: uppercase; padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color 0.3s; display: block;
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,0.7);
  z-index: 997; opacity: 0; visibility: hidden; transition: var(--tr);
}
.mobile-overlay.open { opacity: 1; visibility: visible; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .why-grid { grid-template-columns: 1fr 1fr; } /* 6 cards → 2 cols × 3 rows */
  .services-grid { grid-template-columns: 1fr 1fr; }
  .cashback-inner { grid-template-columns: 1fr; gap: 50px; }
  .cashback-right { flex-direction: row; justify-content: center; align-items: flex-start; gap: 40px; flex-wrap: wrap; }
  .calculator-wrapper { grid-template-columns: 1fr; }
  .cta-row-top { grid-template-columns: 1fr 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .hero { padding: 100px 24px 60px; }
  .hero-curve { display: none; }
  .why-grid, .services-grid { grid-template-columns: 1fr; }
  .steps-row { flex-direction: column; align-items: center; }
  .step-connector { display: none; }
  .testimonial-card { min-width: 100%; }
  .cta-row-top { grid-template-columns: 1fr; }
  .cta-row-bot { grid-template-columns: 1fr; }
  .container { padding: 0 20px; }
  .calc-form, .calc-results { padding: 28px 20px; }
  .why-section, .services-section, .process-section, .cashback-section,
  .calculator-section, .testimonials-section, .cta-section { padding: 70px 0; }
}
@media (max-width: 480px) {
  .hero-title { font-size: 2.8rem; }
  .hero-btns { flex-direction: column; align-items: center; }
  .hero-stats { gap: 10px; }
  .stat-chip { padding: 14px 18px; }
  .banks-grid { gap: 8px; }
  .bank-chip { padding: 9px 14px; font-size: 0.75rem; }
  .footer-links-group { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}