/* ============================================================
   style.css — Premium Fintech Design System
   Schfees Pay by Kafumbe Business Finance
   Modern, Elegant, Conversion‑Focused
   ============================================================ */

/* --------------------- CSS Custom Properties --------------------- */
:root {
  /* Primary Palette */
  --clr-primary-900: #05142b;
  --clr-primary-800: #0a1f3f;
  --clr-primary-700: #0f2b56;
  --clr-primary-600: #15376b;
  --clr-primary-500: #1a4480;
  --clr-primary-400: #2b5da7;
  --clr-primary-300: #4a7bc5;
  --clr-primary-200: #7fa3db;
  --clr-primary-100: #b5cdf0;

  /* Gold Accent */
  --clr-gold-500: #d4a62c;
  --clr-gold-400: #e6b940;
  --clr-gold-300: #efcb5c;
  --clr-gold-200: #f7df8a;
  --clr-gold-100: #fdf0c7;

  /* Light Green Accent */
  --clr-green-500: #2e7d32;
  --clr-green-400: #43a047;
  --clr-green-300: #66bb6a;
  --clr-green-200: #a5d6a7;
  --clr-green-100: #e8f5e9;

  /* Neutrals */
  --clr-white: #ffffff;
  --clr-offwhite: #f7f9fc;
  --clr-gray-100: #f0f2f5;
  --clr-gray-200: #e1e5eb;
  --clr-gray-300: #ccd3db;
  --clr-gray-500: #8b95a5;
  --clr-gray-700: #4a5568;
  --clr-gray-900: #1a202c;

  /* Glassmorphism */
  --glass-bg: rgba(255, 255, 255, 0.75);
  --glass-bg-dark: rgba(10, 31, 63, 0.15);
  --glass-border: rgba(255, 255, 255, 0.3);
  --glass-shadow: 0 8px 32px rgba(0, 0, 0, 0.05);
  --glass-blur: 12px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 16px 48px rgba(0, 0, 0, 0.12);
  --shadow-xl: 0 24px 64px rgba(0, 0, 0, 0.16);

  /* Typography */
  --font-primary: 'Plus Jakarta Sans', 'Inter', system-ui, sans-serif;
  --font-secondary: 'Inter', system-ui, sans-serif;

  /* Spacing */
  --section-padding: clamp(4rem, 8vw, 7rem) 1.5rem;
  --container-max: 1280px;

  /* Transitions */
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in-out-smooth: cubic-bezier(0.65, 0, 0.35, 1);
  --duration-fast: 200ms;
  --duration-normal: 400ms;
  --duration-slow: 600ms;

  /* Border Radius */
  --radius-sm: 0.5rem;
  --radius-md: 0.75rem;
  --radius-lg: 1.25rem;
  --radius-xl: 2rem;
  --radius-full: 999px;

  /* Z-index layers */
  --z-base: 1;
  --z-header: 1000;
  --z-floating: 1100;
  --z-overlay: 2000;
  --z-modal: 3000;
  --z-cursor: 9999;
}

/* Dark Theme */
[data-theme="dark"] {
  --clr-white: #0a0f1a;
  --clr-offwhite: #111827;
  --clr-gray-100: #1a2332;
  --clr-gray-200: #243044;
  --clr-gray-300: #374151;
  --clr-gray-500: #6b7280;
  --clr-gray-700: #9ca3af;
  --clr-gray-900: #f9fafb;

  --glass-bg: rgba(17, 24, 39, 0.8);
  --glass-bg-dark: rgba(255, 255, 255, 0.05);
  --glass-border: rgba(255, 255, 255, 0.08);
  --glass-shadow: 0 8px 32px rgba(0, 0, 0, 0.3);

  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.2);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.3);
  --shadow-lg: 0 16px 48px rgba(0, 0, 0, 0.4);

  color-scheme: dark;
}

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

html {
  scroll-behavior: smooth;
  font-size: 100%;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-secondary);
  background-color: var(--clr-white);
  color: var(--clr-gray-900);
  line-height: 1.6;
  overflow-x: hidden;
  transition: background-color var(--duration-normal) ease,
              color var(--duration-normal) ease;
}

body.premium-body {
  font-family: var(--font-primary);
  letter-spacing: -0.01em;
}

img,
svg {
  display: block;
  max-width: 100%;
}

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

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: transparent;
}

ul,
ol {
  list-style: none;
}

/* Screen Reader Only */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border-width: 0;
}

.skip-to-content {
  position: absolute;
  top: -100%;
  left: 1rem;
  z-index: var(--z-modal);
  background: var(--clr-primary-800);
  color: white;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-full);
  font-weight: 600;
  transition: top var(--duration-fast) ease;
}
.skip-to-content:focus {
  top: 1rem;
}

/* --------------------- Preloader --------------------- */
.preloader {
  position: fixed;
  inset: 0;
  z-index: var(--z-modal);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: var(--clr-white);
  transition: opacity 0.6s ease, visibility 0.6s ease;
}
.preloader--hidden {
  opacity: 0;
  visibility: hidden;
}
.preloader__orb {
  position: relative;
  width: 60px;
  height: 60px;
}
.preloader__ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 3px solid transparent;
}
.preloader__ring--outer {
  border-top-color: var(--clr-primary-600);
  animation: spin 1s linear infinite;
}
.preloader__ring--inner {
  inset: 6px;
  border-right-color: var(--clr-gold-400);
  animation: spin 0.8s linear reverse infinite;
}
.preloader__pulse {
  position: absolute;
  inset: 15px;
  background: var(--clr-primary-500);
  border-radius: 50%;
  animation: pulse 1.2s ease infinite;
}
.preloader__text {
  margin-top: 1.5rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--clr-primary-800);
  font-size: 1.25rem;
}

/* --------------------- Custom Cursor --------------------- */
.custom-cursor {
  position: fixed;
  pointer-events: none;
  z-index: var(--z-cursor);
  mix-blend-mode: difference;
  display: none;
}
@media (hover: hover) and (pointer: fine) {
  .custom-cursor {
    display: block;
  }
}
.custom-cursor__dot {
  width: 8px;
  height: 8px;
  background: white;
  border-radius: 50%;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}
.custom-cursor__ring {
  width: 36px;
  height: 36px;
  border: 2px solid rgba(255,255,255,0.7);
  border-radius: 50%;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: width 0.3s, height 0.3s, border-color 0.3s;
}

/* --------------------- Announcement Bar --------------------- */
.announcement-bar {
  background: linear-gradient(135deg, var(--clr-primary-800), var(--clr-primary-600));
  color: white;
  position: relative;
  z-index: var(--z-header);
  font-size: 0.9rem;
  padding: 0.6rem 1rem;
  display: flex;
  justify-content: center;
}
.announcement-bar__inner {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
  max-width: var(--container-max);
  width: 100%;
  justify-content: center;
  text-align: center;
}
.announcement-bar__divider {
  opacity: 0.5;
}
.announcement-bar__close {
  margin-left: auto;
  padding: 0.25rem;
  border-radius: 50%;
  opacity: 0.8;
  transition: opacity 0.2s;
}
.announcement-bar__close:hover {
  opacity: 1;
}

/* --------------------- Sticky Header --------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: var(--z-header);
  background: transparent;
  transition: background var(--duration-normal) ease,
              backdrop-filter var(--duration-normal) ease,
              box-shadow var(--duration-normal) ease;
}
.site-header--scrolled {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  box-shadow: var(--shadow-sm);
  border-bottom: 1px solid var(--glass-border);
}
.site-header__container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0.75rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

/* Logo */
.site-header__logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-shrink: 0;
}
.logo-mark__icon {
  width: 36px;
  height: 36px;
}
.logo-text {
  display: flex;
  flex-direction: column;
}
.logo-text__brand {
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--clr-primary-800);
  line-height: 1.1;
}
.logo-text__highlight {
  color: var(--clr-gold-500);
}
.logo-text__subtitle {
  font-size: 0.65rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--clr-gray-500);
}

/* Main Nav */
.main-nav__list {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.main-nav__link {
  padding: 0.6rem 0.9rem;
  font-weight: 600;
  font-size: 0.9rem;
  border-radius: var(--radius-md);
  position: relative;
  transition: color var(--duration-fast);
}
.main-nav__link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  width: 0;
  height: 2px;
  background: var(--clr-gold-400);
  transition: width 0.3s ease, left 0.3s ease;
}
.main-nav__link:hover::after,
.main-nav__link--active::after {
  width: 70%;
  left: 15%;
}
.main-nav__link--ai {
  color: var(--clr-primary-600);
  font-weight: 700;
}
.ai-dot {
  display: inline-block;
  width: 6px;
  height: 6px;
  background: var(--clr-green-400);
  border-radius: 50%;
  margin-right: 0.25rem;
  animation: pulse 2s infinite;
}

/* Mega Menu */
.main-nav__item--mega {
  position: relative;
}
.mega-menu {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  background: var(--glass-bg);
  backdrop-filter: blur(20px);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 1.5rem;
  width: 520px;
  transition: all var(--duration-normal) var(--ease-out-expo);
  z-index: 10;
}
.main-nav__item--mega:hover .mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.mega-menu__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}
.mega-menu__card {
  padding: 1rem;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.5);
  transition: background 0.2s, transform 0.2s;
}
.mega-menu__card:hover {
  background: var(--clr-white);
  transform: translateY(-2px);
}
.mega-menu__card-icon { font-size: 1.5rem; display: block; margin-bottom: 0.25rem; }
.mega-menu__card-title { font-weight: 700; font-size: 0.85rem; color: var(--clr-primary-800); }
.mega-menu__card-desc { font-size: 0.7rem; color: var(--clr-gray-500); }

/* Header Actions */
.site-header__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.header-action {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--clr-gray-100);
  transition: background 0.2s;
  color: var(--clr-gray-700);
}
.header-action:hover {
  background: var(--clr-gray-200);
}
.btn--nav-cta {
  padding: 0.65rem 1.4rem;
  font-size: 0.85rem;
}
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5rem;
  background: transparent;
}
.mobile-menu-toggle__bar {
  width: 24px;
  height: 2px;
  background: var(--clr-gray-900);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}
.scroll-progress {
  height: 3px;
  background: linear-gradient(to right, var(--clr-gold-400), var(--clr-primary-400));
  width: 0;
  transition: width 0.1s linear;
}

/* --------------------- Mobile Menu Overlay --------------------- */
.mobile-menu-overlay {
  position: fixed;
  inset: 0;
  z-index: var(--z-overlay);
  display: none;
}
.mobile-menu-overlay--active {
  display: block;
}
.mobile-menu-overlay__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.6);
}
.mobile-menu-overlay__panel {
  position: absolute;
  right: 0;
  top: 0;
  bottom: 0;
  width: 320px;
  background: var(--clr-white);
  padding: 2rem;
  box-shadow: var(--shadow-xl);
  transform: translateX(100%);
  transition: transform 0.4s ease;
}
.mobile-menu-overlay--active .mobile-menu-overlay__panel {
  transform: translateX(0);
}
.mobile-nav__list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 3rem;
}
.mobile-nav__link {
  display: block;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-md);
  font-weight: 600;
}
.mobile-nav__link:hover {
  background: var(--clr-gray-100);
}
.mobile-nav__cta {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* --------------------- Buttons --------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  transition: all var(--duration-normal) var(--ease-out-expo);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn--primary {
  background: var(--clr-primary-800);
  color: white;
  box-shadow: var(--shadow-sm);
}
.btn--primary:hover {
  background: var(--clr-primary-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn--outline {
  border: 2px solid var(--clr-gray-300);
  color: var(--clr-gray-900);
  background: transparent;
}
.btn--outline:hover {
  border-color: var(--clr-primary-500);
  color: var(--clr-primary-800);
}
.btn--whatsapp {
  background: #25D366;
  color: white;
}
.btn--whatsapp:hover {
  background: #128C7E;
}
.btn--lg {
  padding: 0.9rem 2rem;
  font-size: 1rem;
}
.btn--full {
  width: 100%;
  justify-content: center;
}
/* Magnetic button effect done via JS */

/* --------------------- Hero Section --------------------- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 2rem 1.5rem;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: -1;
}
.hero__gradient {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.6;
}
.hero__gradient--1 {
  width: 60vw;
  height: 60vw;
  background: var(--clr-primary-300);
  top: -20%;
  right: -10%;
  opacity: 0.4;
}
.hero__gradient--2 {
  width: 50vw;
  height: 50vw;
  background: var(--clr-gold-200);
  bottom: -15%;
  left: -10%;
  opacity: 0.3;
}
.hero__gradient--3 {
  width: 30vw;
  height: 30vw;
  background: var(--clr-green-200);
  top: 40%;
  left: 50%;
  opacity: 0.3;
}
.hero__grid-pattern {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, var(--clr-gray-300) 1px, transparent 1px);
  background-size: 30px 30px;
  opacity: 0.2;
}
.hero__container {
  max-width: var(--container-max);
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 3rem;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--glass-bg);
  backdrop-filter: blur(8px);
  padding: 0.5rem 1.2rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--clr-primary-800);
  margin-bottom: 1.5rem;
}
.hero__badge-dot {
  width: 8px;
  height: 8px;
  background: var(--clr-green-400);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
.hero__heading {
  font-size: clamp(2.5rem, 6vw, 4rem);
  line-height: 1.15;
  font-weight: 800;
}
.hero__heading-line--highlight {
  color: var(--clr-gold-500);
}
.hero__heading-line--accent {
  color: var(--clr-primary-700);
}
.hero__subheading {
  font-size: 1.1rem;
  color: var(--clr-gray-700);
  margin: 1.5rem 0;
  max-width: 500px;
}
.hero__cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2rem;
}
.hero__trust {
  display: flex;
  gap: 1.5rem;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.9rem;
}

/* Hero Visual */
.hero__visual {
  position: relative;
  height: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero__illustration-main {
  position: relative;
  width: 320px;
  height: 320px;
}
.hero__illustration-circle {
  position: absolute;
  border-radius: 50%;
  background: var(--glass-bg);
  backdrop-filter: blur(8px);
  border: 1px solid var(--glass-border);
}
.hero__illustration-circle--lg { width: 280px; height: 280px; top: 20px; left: 20px; }
.hero__illustration-circle--md { width: 200px; height: 200px; top: 60px; left: 60px; }
.hero__illustration-circle--sm { width: 120px; height: 120px; top: 100px; left: 100px; background: var(--clr-gold-200); }
.hero__illustration-icon {
  position: absolute;
  color: var(--clr-primary-700);
}
.hero__illustration-icon--parent { top: 10%; left: 50%; transform: translateX(-50%); width: 60px; }
.hero__illustration-icon--student { bottom: 15%; left: 25%; width: 45px; }
.hero__illustration-icon--school { top: 40%; right: 10%; width: 55px; }

/* Floating Cards */
.hero__floating-card {
  position: absolute;
  animation: float 6s ease-in-out infinite;
}
.hero__floating-card--1 { top: 5%; right: -10%; animation-delay: 0s; }
.hero__floating-card--2 { bottom: 10%; left: -5%; animation-delay: -2s; }
.hero__floating-card--3 { top: 50%; right: -20%; animation-delay: -4s; }
.floating-card {
  background: var(--glass-bg);
  backdrop-filter: blur(12px);
  border-radius: var(--radius-lg);
  padding: 1rem;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  white-space: nowrap;
}
.floating-card__progress {
  height: 4px;
  background: var(--clr-gray-200);
  border-radius: 2px;
  width: 80px;
  margin-top: 0.3rem;
}
.floating-card__progress-bar {
  height: 100%;
  background: var(--clr-green-400);
  border-radius: 2px;
}

/* Scroll indicator */
.hero__scroll-indicator {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  color: var(--clr-gray-500);
}
.hero__scroll-line {
  width: 2px;
  height: 40px;
  background: var(--clr-gray-300);
  position: relative;
}
.hero__scroll-dot {
  width: 6px;
  height: 6px;
  background: var(--clr-primary-600);
  border-radius: 50%;
  position: absolute;
  top: 0;
  left: -2px;
  animation: scrollDot 2s ease-in-out infinite;
}

/* --------------------- Stats Banner --------------------- */
.stats-banner {
  padding: 3rem 1.5rem;
  background: var(--clr-offwhite);
}
.stats-banner__grid {
  max-width: var(--container-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-card__icon { font-size: 2rem; }
.stat-card__number { font-size: 2.5rem; font-weight: 800; color: var(--clr-primary-800); }
.stat-card__label { font-weight: 600; color: var(--clr-gray-500); margin-top: 0.25rem; }

/* --------------------- Sections Common --------------------- */
.section {
  padding: var(--section-padding);
}
.section--alt {
  background: var(--clr-offwhite);
}
.section__container {
  max-width: var(--container-max);
  margin: 0 auto;
}
.section__header {
  text-align: center;
  margin-bottom: 3rem;
}
.section__tag {
  display: inline-block;
  background: var(--clr-gold-100);
  color: var(--clr-primary-800);
  padding: 0.3rem 1rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}
.section__tag--warn { background: #fff3e0; color: #e65100; }
.section__tag--success { background: var(--clr-green-100); color: var(--clr-green-500); }
.section__heading {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 800;
  margin-bottom: 1rem;
}
.text-gradient {
  background: linear-gradient(135deg, var(--clr-primary-600), var(--clr-gold-400));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section__subheading {
  font-size: 1.1rem;
  color: var(--clr-gray-500);
  max-width: 600px;
  margin: 0 auto;
}

/* Glass Card */
.glass-card {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--glass-shadow);
}
.glass-card--lg { padding: 2.5rem; }

/* --------------------- Timeline (How It Works) --------------------- */
.timeline {
  position: relative;
  padding: 2rem 0;
}
.timeline__track {
  position: absolute;
  left: 50%;
  top: 0;
  bottom: 0;
  width: 4px;
  transform: translateX(-50%);
}
.timeline__line {
  width: 100%;
  height: 100%;
  background: var(--clr-gray-200);
  border-radius: 2px;
}
.timeline__progress {
  width: 4px;
  background: var(--clr-primary-500);
  height: 0;
  transition: height 0.5s ease;
}
.timeline__steps {
  display: flex;
  flex-direction: column;
  gap: 4rem;
}
.timeline__step {
  display: flex;
  align-items: center;
  gap: 2rem;
  position: relative;
}
.timeline__step:nth-child(odd) {
  flex-direction: row-reverse;
}
.timeline__step-marker {
  width: 56px;
  height: 56px;
  background: var(--clr-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  color: var(--clr-primary-800);
  box-shadow: var(--shadow-md);
  z-index: 2;
  position: relative;
}
.timeline__step-ripple {
  position: absolute;
  inset: -6px;
  border-radius: 50%;
  border: 2px solid var(--clr-gold-300);
  animation: ripple 2s infinite;
}
.timeline__step-card {
  flex: 1;
  padding: 2rem;
}
.timeline__step-icon { font-size: 2rem; margin-bottom: 0.5rem; }
.timeline__step-title { font-weight: 700; font-size: 1.3rem; }

/* --------------------- Calculator --------------------- */
.calculator__wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  padding: 2.5rem;
}
.calculator__field { margin-bottom: 1.5rem; }
.calculator__label { font-weight: 600; display: block; margin-bottom: 0.5rem; }
.calculator__input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--clr-gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.calculator__prefix {
  padding: 0.75rem 1rem;
  background: var(--clr-gray-100);
  font-weight: 600;
}
.calculator__input {
  border: none;
  padding: 0.75rem 1rem;
  width: 100%;
  font-size: 1rem;
  background: transparent;
}
.calculator__range {
  width: 100%;
  margin-top: 0.5rem;
}
.duration-option {
  padding: 0.5rem 1rem;
  border: 2px solid var(--clr-gray-200);
  border-radius: var(--radius-full);
  font-weight: 600;
  transition: all 0.2s;
}
.duration-option--active {
  background: var(--clr-primary-800);
  color: white;
  border-color: var(--clr-primary-800);
}
.calculator__results {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.calculator__result-card {
  background: var(--clr-white);
  padding: 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
}
.calculator__result-card--highlight {
  background: linear-gradient(135deg, var(--clr-primary-800), var(--clr-primary-600));
  color: white;
  position: relative;
  overflow: hidden;
}
.calculator__result-label { font-size: 0.85rem; opacity: 0.8; display: block; margin-bottom: 0.25rem; }
.calculator__result-value { font-size: 1.8rem; font-weight: 800; }
.calculator__result-value--large { font-size: 2.2rem; }
.calculator__progress-ring {
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  width: 60px;
  height: 60px;
}
.progress-ring__bg { fill: none; stroke: rgba(255,255,255,0.2); stroke-width: 4; }
.progress-ring__fill { fill: none; stroke: var(--clr-gold-400); stroke-width: 4; stroke-linecap: round; transition: stroke-dashoffset 0.5s ease; }

/* --------------------- Story Sections --------------------- */
.story-section__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.story-section__grid--reverse { direction: rtl; }
.story-section__grid--reverse > * { direction: ltr; }
.story-section__list li {
  margin: 0.75rem 0;
  font-weight: 500;
}
.story-illustration {
  width: 100%;
  height: 300px;
  background: var(--glass-bg);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
}

/* --------------------- Testimonials Carousel --------------------- */
.testimonials__carousel {
  overflow: hidden;
  position: relative;
}
.testimonials__track {
  display: flex;
  gap: 1.5rem;
  transition: transform 0.5s ease;
}
.testimonial-card {
  min-width: 320px;
  padding: 2rem;
  flex-shrink: 0;
}
.testimonial-card__stars { color: var(--clr-gold-400); font-size: 1.2rem; margin-bottom: 1rem; }
.testimonial-card__quote { font-style: italic; margin-bottom: 1.5rem; }
.testimonial-card__author { display: flex; align-items: center; gap: 0.75rem; }
.testimonial-card__avatar {
  width: 40px; height: 40px; background: var(--clr-primary-200); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; font-weight: 700;
}
.testimonials__controls { display: flex; justify-content: center; align-items: center; gap: 1rem; margin-top: 2rem; }
.testimonials__btn { width: 40px; height: 40px; border-radius: 50%; background: var(--clr-white); box-shadow: var(--shadow-sm); }

/* --------------------- Partners --------------------- */
.partners__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-bottom: 1rem;
}
.partner-logo {
  padding: 2rem;
  text-align: center;
  font-weight: 600;
}
.partners__more { text-align: center; color: var(--clr-gray-500); }

/* --------------------- FAQ Accordion --------------------- */
.faq__item {
  border-bottom: 1px solid var(--clr-gray-200);
}
.faq__question {
  width: 100%;
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 700;
  font-size: 1.1rem;
}
.faq__answer {
  padding-bottom: 1.5rem;
  color: var(--clr-gray-700);
}
.faq__icon {
  transition: transform 0.3s ease;
}
.faq__item[open] .faq__icon {
  transform: rotate(45deg);
}

/* --------------------- Newsletter --------------------- */
.newsletter__card {
  padding: 3rem;
  text-align: center;
}
.newsletter__form {
  max-width: 500px;
  margin: 2rem auto 0;
}
.newsletter__input-wrap {
  display: flex;
  gap: 0.5rem;
}
.newsletter__input {
  flex: 1;
  padding: 0.9rem 1.25rem;
  border: 1px solid var(--clr-gray-200);
  border-radius: var(--radius-full);
}

/* --------------------- Final CTA --------------------- */
.final-cta__card {
  position: relative;
  background: var(--clr-primary-800);
  border-radius: var(--radius-xl);
  padding: 4rem 2rem;
  text-align: center;
  color: white;
  overflow: hidden;
}
.final-cta__orb {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
}
.final-cta__orb--1 { width: 300px; height: 300px; top: -50px; right: -80px; }
.final-cta__orb--2 { width: 200px; height: 200px; bottom: -30px; left: -40px; }
.final-cta__content { position: relative; }
.final-cta__heading { color: white; }
.final-cta__subheading { color: rgba(255,255,255,0.85); max-width: 550px; margin: 1rem auto 2rem; }
.final-cta__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.final-cta__trust { display: flex; gap: 2rem; justify-content: center; margin-top: 2rem; opacity: 0.8; }

/* --------------------- Footer --------------------- */
.site-footer {
  position: relative;
  background: var(--clr-primary-900);
  color: white;
  padding: 4rem 1.5rem 2rem;
}
.site-footer__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 10% 90%, rgba(212,166,44,0.1), transparent 60%);
}
.site-footer__container {
  max-width: var(--container-max);
  margin: 0 auto;
  position: relative;
}
.site-footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 3rem;
}
.site-footer__heading { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 1.5rem; color: var(--clr-gold-300); }
.site-footer__links li { margin-bottom: 0.75rem; }
.site-footer__links a { opacity: 0.8; transition: opacity 0.2s; }
.site-footer__links a:hover { opacity: 1; }
.site-footer__social { display: flex; gap: 1rem; margin-top: 1.5rem; }
.social-icon { width: 36px; height: 36px; background: rgba(255,255,255,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.site-footer__bottom {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  opacity: 0.7;
}

/* --------------------- Floating Components --------------------- */
.floating-whatsapp {
  position: fixed;
  bottom: 2rem;
  left: 2rem;
  width: 60px;
  height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 8px 24px rgba(37,211,102,0.4);
  z-index: var(--z-floating);
  transition: transform 0.3s;
}
.floating-whatsapp:hover { transform: scale(1.1); }
.floating-whatsapp__pulse {
  position: absolute;
  inset: -6px;
  border-radius: 50%;
  border: 2px solid #25D366;
  animation: ripple 2s infinite;
}
.floating-apply {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  background: var(--clr-primary-800);
  color: white;
  padding: 0.8rem 1.5rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  box-shadow: var(--shadow-lg);
  z-index: var(--z-floating);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.back-to-top {
  position: fixed;
  bottom: 6rem;
  right: 2rem;
  width: 44px;
  height: 44px;
  background: var(--clr-white);
  border-radius: 50%;
  box-shadow: var(--shadow-md);
  z-index: var(--z-floating);
  display: none;
  align-items: center;
  justify-content: center;
}
.back-to-top--visible { display: flex; }

/* --------------------- Responsive --------------------- */
@media (max-width: 1024px) {
  .hero__container { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .stats-banner__grid { grid-template-columns: repeat(2, 1fr); }
  .timeline__step { flex-direction: column !important; text-align: center; }
  .timeline__track { left: 0; }
  .calculator__wrapper { grid-template-columns: 1fr; }
  .story-section__grid { grid-template-columns: 1fr; }
  .partners__grid { grid-template-columns: repeat(2, 1fr); }
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .main-nav { display: none; }
  .mobile-menu-toggle { display: flex; }
}
@media (max-width: 640px) {
  .hero__cta-group { flex-direction: column; }
  .stats-banner__grid { grid-template-columns: 1fr; }
  .partners__grid { grid-template-columns: 1fr; }
  .site-footer__grid { grid-template-columns: 1fr; }
}

/* Inside @media (max-width: 640px) or a new @media (max-width: 480px) */
@media (max-width: 480px) {
  /* Hide desktop-only header actions */
  .btn--nav-cta,
  .header-action--phone,
  .header-action--whatsapp {
    display: none;
  }

  /* Make mobile menu panel full width instead of fixed 320px */
  .mobile-menu-overlay__panel {
    width: 85vw;
    max-width: 320px;
  }

  /* Allow testimonial cards to shrink below 320px */
  .testimonial-card {
    min-width: 260px;
  }

  /* Ensure floating buttons stay inside viewport */
  .floating-whatsapp {
    left: 1rem;
    bottom: 1rem;
    width: 50px;
    height: 50px;
  }
  .floating-apply {
    right: 1rem;
    bottom: 1rem;
    padding: 0.6rem 1.2rem;
    font-size: 0.85rem;
  }
  .back-to-top {
    right: 1rem;
    bottom: 5rem;
  }

  /* Stack newsletter input and button on very small screens */
  .newsletter__input-wrap {
    flex-direction: column;
    width: 100%;
  }
  .newsletter__input {
    width: 100%;
  }
  .newsletter__input-wrap .btn {
    width: 100%;
    justify-content: center;
  }

  /* Reduce hero heading size slightly if needed */
  .hero__heading {
    font-size: clamp(2rem, 8vw, 3rem);
  }
}