/* =========================================================
   Global Loan Solution — assets/css/style.css
   Mobile-first, CSS pur, Inter font
   ========================================================= */

/* === VARIABLES === */
:root {
  --primary-900: #0f2035;
  --primary-800: #172e4a;
  --primary-700: #1e3a5f;
  --primary-600: #1a3356;
  --primary-500: #1e4080;
  --primary-50:  #eff6ff;

  --accent-gold:  #c8a951;
  --accent-light: #d4b96a;

  --text-primary:   #0f172a;
  --text-secondary: #475569;
  --text-muted:     #94a3b8;
  --text-white:     #ffffff;

  --bg-white: #ffffff;
  --bg-light: #f8fafc;
  --bg-gray:  #f1f5f9;

  --border:      #e2e8f0;
  --border-dark: #cbd5e1;

  --radius-sm:   0.375rem;
  --radius-md:   0.5rem;
  --radius-lg:   0.75rem;
  --radius-xl:   1rem;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 2px rgba(0,0,0,.05);
  --shadow-md: 0 4px 6px rgba(0,0,0,.07);
  --shadow-lg: 0 10px 25px rgba(0,0,0,.1);
  --shadow-xl: 0 20px 40px rgba(0,0,0,.15);

  --transition: 0.3s ease;
  --font: 'Inter', system-ui, sans-serif;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.75;
  color: var(--text-secondary);
  background: var(--bg-white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: var(--font); cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: var(--font); font-size: 1rem; }

/* === TYPOGRAPHY === */
h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.75rem, 4vw, 2.25rem); font-weight: 700; line-height: 1.2; color: var(--text-primary); }
h3 { font-size: clamp(1.25rem, 3vw, 1.5rem); font-weight: 600; line-height: 1.3; color: var(--text-primary); }
h4 { font-size: 1.125rem; font-weight: 600; color: var(--text-primary); }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* === LAYOUT === */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.25rem;
}
@media (min-width: 768px)  { .container { padding: 0 2rem; } }
@media (min-width: 1280px) { .container { padding: 0 2.5rem; } }

.section { padding: 5rem 0; }
.section-sm { padding: 3rem 0; }

.section-header { text-align: center; max-width: 700px; margin: 0 auto 3.5rem; }
.section-header h2 { margin-bottom: 1rem; }
.section-header p { font-size: 1.125rem; color: var(--text-secondary); }

/* === NAVBAR === */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition);
  height: 80px;
  display: flex; align-items: center;
}
.navbar.scrolled {
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  box-shadow: var(--shadow-md);
}
.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  width: 100%;
}
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  font-weight: 800;
  font-size: 1.125rem;
  color: var(--text-white);
  flex-shrink: 0;
}
.navbar.scrolled .navbar-brand { color: var(--primary-700); }
.logo-img {
  max-width: 180px;
  max-height: 48px;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
}
.navbar .logo-img {
  max-height: 44px;
  max-width: 160px;
}
.footer-logo-img {
  max-height: 44px;
  max-width: 200px;
  opacity: .95;
}
.brand-name { display: none; }

.nav-links {
  display: none;
  flex: 1;
  justify-content: center;
  gap: 0.25rem;
}
@media (min-width: 1024px) { .nav-links { display: flex; } }

.nav-link {
  padding: 0.5rem 0.875rem;
  border-radius: var(--radius-md);
  font-weight: 500;
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.9);
  transition: color var(--transition), background var(--transition);
}
.nav-link:hover { color: var(--text-white); background: rgba(255,255,255,.12); }
.nav-link.active { color: var(--accent-gold); }
.navbar.scrolled .nav-link { color: var(--text-secondary); }
.navbar.scrolled .nav-link:hover { color: var(--primary-700); background: var(--bg-light); }
.navbar.scrolled .nav-link.active { color: var(--primary-700); }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Language switcher */
.lang-switcher { position: relative; }
.lang-btn {
  display: flex; align-items: center; gap: 0.375rem;
  padding: 0.5rem 0.75rem;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}
.lang-btn:hover { background: rgba(255,255,255,.12); }
.navbar.scrolled .lang-btn { color: var(--text-secondary); }
.navbar.scrolled .lang-btn:hover { background: var(--bg-gray); color: var(--text-primary); }
.icon-globe { width: 16px; height: 16px; flex-shrink: 0; }
.icon-chevron { width: 14px; height: 14px; flex-shrink: 0; transition: transform var(--transition); }
.lang-btn[aria-expanded="true"] .icon-chevron { transform: rotate(180deg); }

.lang-dropdown {
  position: absolute; top: calc(100% + 0.5rem); right: 0;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  min-width: 160px;
  overflow: hidden;
  opacity: 0; pointer-events: none;
  transform: translateY(-8px);
  transition: opacity var(--transition), transform var(--transition);
  z-index: 100;
}
.lang-dropdown.show { opacity: 1; pointer-events: auto; transform: translateY(0); }
.lang-option {
  display: flex; align-items: center; gap: 0.625rem;
  padding: 0.625rem 1rem;
  font-size: 0.875rem;
  color: var(--text-secondary);
  transition: background var(--transition), color var(--transition);
}
.lang-option:hover { background: var(--bg-light); color: var(--primary-700); }
.lang-option.active { background: var(--primary-50); color: var(--primary-700); font-weight: 600; }

/* Mobile toggle */
.nav-toggle {
  display: flex; flex-direction: column; justify-content: center; gap: 5px;
  width: 40px; height: 40px; padding: 8px;
  border-radius: var(--radius-md);
  transition: background var(--transition);
}
.nav-toggle:hover { background: rgba(255,255,255,.12); }
.navbar.scrolled .nav-toggle:hover { background: var(--bg-gray); }
.nav-toggle span {
  display: block; height: 2px; border-radius: 2px;
  background: rgba(255,255,255,0.9);
  transition: background var(--transition);
}
.navbar.scrolled .nav-toggle span { background: var(--text-primary); }
@media (min-width: 1024px) { .nav-toggle { display: none; } }

/* Mobile menu */
@media (max-width: 1023px) {
  .nav-links {
    position: fixed; top: 80px; left: 0; right: 0;
    background: var(--bg-white);
    flex-direction: column; gap: 0;
    padding: 0.5rem 0 1.5rem;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.open { display: flex; }
  .nav-links .nav-link {
    color: var(--text-secondary) !important;
    padding: 0.875rem 1.5rem;
    border-radius: 0;
    font-size: 1rem;
    border-bottom: 1px solid var(--border);
  }
  .nav-links .nav-link:last-child { border-bottom: none; }
  .nav-links .nav-link:hover { background: var(--bg-light); color: var(--primary-700) !important; }
  .nav-links .nav-link.active { color: var(--primary-700) !important; }
}

/* Mobile Apply Now link (inside hamburger menu) */
.nav-mobile-apply { display: none; }
.nav-link-apply {
  display: block;
  margin: 0.75rem 1.25rem 0.25rem;
  padding: 0.75rem 1rem;
  background: var(--accent-gold);
  color: #fff !important;
  border-radius: var(--radius-md);
  text-align: center;
  font-weight: 700;
  font-size: 0.95rem;
  transition: background var(--transition);
}
.nav-link-apply:hover { background: #a08530 !important; color: #fff !important; }

/* === BUTTONS === */
.btn-primary {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  background: var(--accent-gold);
  color: #fff;
  font-weight: 700; font-size: 0.9375rem;
  padding: 0.875rem 2rem;
  border-radius: var(--radius-md);
  border: none; cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
  line-height: 1;
  white-space: nowrap;
}
.btn-primary:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(200,169,81,0.4);
}
.btn-primary:active { transform: translateY(0); }
.btn-primary:disabled { opacity: 0.65; cursor: not-allowed; transform: none; }

.btn-secondary {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  background: transparent;
  color: var(--text-white);
  font-weight: 600; font-size: 0.9375rem;
  padding: 0.875rem 2rem;
  border-radius: var(--radius-md);
  border: 2px solid rgba(255,255,255,0.5);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), transform var(--transition);
  text-decoration: none;
  line-height: 1;
  white-space: nowrap;
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.8);
  transform: translateY(-2px);
}

.btn-outline {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  background: transparent;
  color: var(--primary-700);
  font-weight: 600; font-size: 0.9375rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-md);
  border: 2px solid var(--primary-700);
  cursor: pointer;
  transition: background var(--transition), color var(--transition), transform var(--transition);
  text-decoration: none;
  line-height: 1;
}
.btn-outline:hover { background: var(--primary-700); color: var(--text-white); transform: translateY(-2px); }

.btn-sm { padding: 0.625rem 1.25rem; font-size: 0.875rem; }

/* === HERO === */
.hero {
  background: linear-gradient(135deg, #0f2035, #1e3a5f 50%, #172e4a);
  min-height: 100vh;
  display: flex; align-items: center;
  color: var(--text-white);
  padding: 7rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 60% 50%, rgba(200,169,81,.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content { position: relative; z-index: 1; max-width: 780px; margin: 0 auto; text-align: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(200,169,81,0.2);
  border: 1px solid rgba(200,169,81,0.4);
  color: var(--accent-gold);
  font-size: 0.875rem; font-weight: 600;
  padding: 0.375rem 1rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.5rem;
}
.hero h1 { color: var(--text-white); margin-bottom: 1.25rem; }
.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,0.8);
  margin-bottom: 2.5rem;
  max-width: 640px; margin-left: auto; margin-right: auto;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; margin-bottom: 4rem; }
.hero-stats {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 2.5rem;
  max-width: 600px; margin: 0 auto;
}
@media (min-width: 640px) { .hero-stats { grid-template-columns: repeat(4, 1fr); } }
.hero-stat-num {
  font-size: 1.75rem; font-weight: 800; color: var(--accent-gold);
  display: block; line-height: 1.1;
}
.hero-stat-label { font-size: 0.8125rem; color: rgba(255,255,255,.65); }

/* === TRUST SIGNALS === */
.trust-signals { background: var(--bg-white); }
.trust-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}
@media (min-width: 768px) { .trust-grid { grid-template-columns: repeat(4, 1fr); } }
.trust-item { text-align: center; }
.trust-num {
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 800; color: var(--accent-gold);
  line-height: 1; display: block; margin-bottom: 0.5rem;
}
.trust-label { font-size: 0.9375rem; color: var(--text-secondary); font-weight: 500; }

/* === SERVICES === */
.services { background: var(--bg-light); }
.services-grid {
  display: grid; grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .services-grid { grid-template-columns: repeat(3, 1fr); } }

.service-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-xl); border-color: var(--accent-gold); }
.service-icon {
  width: 56px; height: 56px;
  background: var(--primary-50);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--primary-700);
}
.service-icon svg { width: 28px; height: 28px; }
.service-card h3 { margin-bottom: 0.75rem; }
.service-card p { color: var(--text-secondary); margin-bottom: 1.25rem; font-size: 0.9375rem; }
.service-features { margin-bottom: 1.5rem; display: flex; flex-direction: column; gap: 0.5rem; flex: 1; }
.service-feature {
  display: flex; align-items: flex-start; gap: 0.625rem;
  font-size: 0.875rem; color: var(--text-secondary);
}
.feature-check {
  display: inline-flex; align-items: center; justify-content: center;
  width: 18px; height: 18px;
  background: rgba(200,169,81,0.15);
  border-radius: var(--radius-full);
  color: var(--accent-gold);
  flex-shrink: 0; margin-top: 2px;
  font-size: 0.65rem; font-weight: 800;
}

/* === HOW IT WORKS === */
.how-it-works { background: var(--bg-white); }
.steps-container {
  display: flex; flex-direction: column; gap: 2rem;
  max-width: 900px; margin: 0 auto;
}
@media (min-width: 768px) {
  .steps-container { flex-direction: row; gap: 3rem; align-items: flex-start; }
}
.step-item { flex: 1; text-align: center; position: relative; }
.step-item:not(:last-child)::after {
  content: '';
  position: absolute;
  background: var(--border);
}
@media (max-width: 767px) {
  .step-item:not(:last-child)::after {
    width: 2px; height: 2rem;
    bottom: -2.25rem; left: 50%; transform: translateX(-50%);
  }
}
@media (min-width: 768px) {
  .step-item:not(:last-child)::after {
    height: 2px; width: calc(100% - 60px);
    top: 28px; left: calc(50% + 30px);
  }
}
.step-num {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--accent-gold), var(--accent-light));
  border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; font-weight: 800; color: #fff;
  margin: 0 auto 1.25rem;
  position: relative; z-index: 1;
  box-shadow: 0 4px 16px rgba(200,169,81,0.35);
}
.step-item h3 { margin-bottom: 0.75rem; }
.step-item p { font-size: 0.9375rem; color: var(--text-secondary); max-width: 280px; margin: 0 auto; }

/* FAQ */
.faq-section { max-width: 720px; margin: 4rem auto 0; }
.faq-section h3 { margin-bottom: 1.5rem; text-align: center; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.faq-question {
  width: 100%; text-align: left;
  padding: 1.125rem 1.25rem;
  font-weight: 600; font-size: 0.9375rem;
  color: var(--text-primary);
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--bg-light); }
.faq-question.open { color: var(--primary-700); }
.faq-icon { width: 20px; height: 20px; flex-shrink: 0; color: var(--accent-gold); transition: transform var(--transition); }
.faq-question.open .faq-icon { transform: rotate(180deg); }
.faq-answer { display: none; padding: 0 1.25rem 1.125rem; font-size: 0.9375rem; color: var(--text-secondary); border-top: 1px solid var(--border); padding-top: 1rem; }
.faq-answer.open { display: block; }

/* === CALCULATOR === */
.calculator { background: var(--primary-700); color: var(--text-white); }
.calculator .section-header h2 { color: var(--text-white); }
.calculator .section-header p { color: rgba(255,255,255,0.75); }
.calc-grid {
  display: grid; grid-template-columns: 1fr;
  gap: 2rem;
  max-width: 960px; margin: 0 auto;
}
@media (min-width: 768px) { .calc-grid { grid-template-columns: 1.3fr 1fr; gap: 3rem; } }

.calc-controls { display: flex; flex-direction: column; gap: 1.75rem; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.875rem; font-weight: 600; color: rgba(255,255,255,0.8);
  margin-bottom: 0.625rem;
}
.calc-field label span {
  font-size: 0.9375rem; font-weight: 700; color: var(--accent-gold);
}
input[type="range"] {
  width: 100%; height: 6px;
  -webkit-appearance: none; appearance: none;
  background: rgba(255,255,255,.2);
  border-radius: 3px; outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--accent-gold);
  border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,.2);
  cursor: pointer;
  transition: transform 0.15s ease;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--accent-gold);
  border: 3px solid #fff;
  cursor: pointer;
}

.calc-results {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-xl);
  padding: 2rem;
  display: flex; flex-direction: column; gap: 1.25rem;
}
.calc-result-item { padding-bottom: 1.25rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.calc-result-item:last-of-type { border-bottom: none; padding-bottom: 0; }
.calc-result-label { font-size: 0.8125rem; font-weight: 500; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 0.25rem; }
.calc-result-value { font-size: 2rem; font-weight: 800; color: var(--accent-gold); line-height: 1.1; }
.calc-result-sub { font-size: 1.125rem; font-weight: 700; color: var(--text-white); }
.calc-disclaimer { font-size: 0.8125rem; color: rgba(255,255,255,.5); margin-top: 0.75rem; line-height: 1.5; }
.calc-cta { margin-top: 1rem; }

/* === ABOUT VALUES === */
.values-grid {
  display: grid; grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
.value-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  transition: transform var(--transition), box-shadow var(--transition);
}
.value-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.value-icon {
  width: 48px; height: 48px;
  background: var(--primary-50);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-700);
  margin-bottom: 1rem;
}
.value-icon svg { width: 24px; height: 24px; }
.value-card h3 { margin-bottom: 0.5rem; }
.value-card p { font-size: 0.9375rem; margin: 0; }

/* === STATS BAND === */
.stats-band { background: var(--primary-700); padding: 4rem 0; }
.stats-band .trust-num { color: var(--accent-gold); }
.stats-band .trust-label { color: rgba(255,255,255,.7); }
.stats-band .section-header h2 { color: var(--text-white); }

/* === MISSION === */
.mission-section { background: var(--bg-light); }
.mission-content { max-width: 760px; margin: 0 auto; text-align: center; }
.mission-content h2 { margin-bottom: 1rem; }
.mission-content p { font-size: 1.0625rem; }

/* === CTA BANNER === */
.cta-banner {
  background: var(--accent-gold);
  padding: 5rem 0;
  text-align: center;
}
.cta-banner h2 { color: var(--primary-900); margin-bottom: 1rem; }
.cta-banner p { color: var(--primary-800); font-size: 1.125rem; margin-bottom: 2rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-banner .btn-primary { background: var(--primary-700); }
.cta-banner .btn-primary:hover { background: var(--primary-800); box-shadow: 0 8px 20px rgba(15,32,53,0.3); }

/* === CONTACT === */
.contact-grid {
  display: grid; grid-template-columns: 1fr;
  gap: 3rem;
}
@media (min-width: 768px) { .contact-grid { grid-template-columns: 1.4fr 1fr; } }

.contact-info { display: flex; flex-direction: column; gap: 1.25rem; }
.contact-info-title { font-size: 1.25rem; font-weight: 700; color: var(--text-primary); margin-bottom: 0.5rem; }
.contact-info-item {
  display: flex; align-items: flex-start; gap: 0.875rem;
  padding: 1rem;
  background: var(--bg-light);
  border-radius: var(--radius-lg);
}
.contact-info-item svg { width: 20px; height: 20px; color: var(--accent-gold); flex-shrink: 0; margin-top: 2px; }
.contact-info-item strong { display: block; font-size: 0.8125rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 0.125rem; }
.contact-info-item a, .contact-info-item span { color: var(--text-primary); font-size: 0.9375rem; }
.contact-info-item a:hover { color: var(--primary-700); }

/* === FORMS === */
.form-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}
.form-group { margin-bottom: 1.25rem; }
.form-label {
  display: block;
  font-size: 0.875rem; font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 0.375rem;
}
.form-label .req { color: #e53e3e; margin-left: 0.125rem; }
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  color: var(--text-primary);
  background: var(--bg-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-control:focus { border-color: var(--primary-700); box-shadow: 0 0 0 3px rgba(30,58,95,0.1); }
.form-control.error { border-color: #e53e3e; }
.form-control::placeholder { color: var(--text-muted); }
textarea.form-control { resize: vertical; min-height: 140px; }
select.form-control { cursor: pointer; }

.form-row { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 640px) { .form-row { grid-template-columns: repeat(2, 1fr); } }

.form-check {
  display: flex; align-items: flex-start; gap: 0.625rem;
  margin-bottom: 0.75rem;
}
.form-check input[type="checkbox"] {
  width: 18px; height: 18px;
  border: 2px solid var(--border-dark);
  border-radius: 4px;
  cursor: pointer;
  flex-shrink: 0; margin-top: 2px;
  accent-color: var(--primary-700);
}
.form-check label { font-size: 0.875rem; color: var(--text-secondary); cursor: pointer; line-height: 1.5; }
.form-check a { color: var(--primary-700); text-decoration: underline; }

.form-error-global {
  background: #fff5f5;
  border: 1px solid #fed7d7;
  border-radius: var(--radius-md);
  color: #c53030;
  padding: 0.75rem 1rem;
  font-size: 0.875rem;
  margin-bottom: 1rem;
  display: none;
}

.form-success {
  display: none;
  text-align: center;
  padding: 2.5rem 1.5rem;
}
.form-success .success-icon {
  width: 64px; height: 64px;
  background: #f0fff4;
  border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.25rem;
  color: #38a169;
}
.form-success .success-icon svg { width: 32px; height: 32px; }
.form-success h3 { color: var(--text-primary); margin-bottom: 0.75rem; }
.form-success p { color: var(--text-secondary); font-size: 0.9375rem; }

/* === MULTI-STEP APPLY === */
.apply-wrapper { max-width: 720px; margin: 0 auto; }
.step-progress-bar {
  height: 4px; background: var(--bg-gray);
  border-radius: var(--radius-full);
  overflow: hidden; margin-bottom: 2rem;
}
#step-progress {
  height: 100%;
  background: linear-gradient(90deg, var(--primary-700), var(--accent-gold));
  border-radius: var(--radius-full);
  transition: width 0.4s ease;
}
.step-indicators {
  display: flex; justify-content: space-between;
  margin-bottom: 2rem;
}
.step-indicator {
  display: flex; flex-direction: column; align-items: center; gap: 0.375rem;
  flex: 1;
}
.step-indicator-dot {
  width: 36px; height: 36px;
  border-radius: var(--radius-full);
  border: 2px solid var(--border-dark);
  background: var(--bg-white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.875rem;
  color: var(--text-muted);
  transition: all var(--transition);
}
.step-indicator.active .step-indicator-dot { background: var(--primary-700); border-color: var(--primary-700); color: #fff; }
.step-indicator.done .step-indicator-dot { background: var(--accent-gold); border-color: var(--accent-gold); color: #fff; }
.step-indicator-label { font-size: 0.75rem; font-weight: 500; color: var(--text-muted); text-align: center; }
.step-indicator.active .step-indicator-label { color: var(--primary-700); font-weight: 600; }

.form-step { display: none; }
.form-step.active { display: block; }

.apply-nav {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 2rem; padding-top: 1.5rem;
  border-top: 1px solid var(--border);
}

/* === LEGAL PAGES === */
.legal-hero {
  background: linear-gradient(135deg, #0f2035, #1e3a5f);
  padding: 8rem 0 4rem;
  color: var(--text-white);
  text-align: center;
}
.legal-hero h1 { color: var(--text-white); margin-bottom: 0.5rem; }
.legal-hero .updated { color: rgba(255,255,255,0.6); font-size: 0.875rem; }
.legal-content { max-width: 800px; margin: 0 auto; padding: 4rem 0; }
.legal-section { margin-bottom: 2.5rem; }
.legal-section h2 { margin-bottom: 1rem; font-size: 1.375rem; }
.legal-section p { color: var(--text-secondary); }
.legal-intro {
  background: var(--bg-light);
  border-left: 4px solid var(--accent-gold);
  padding: 1.25rem 1.5rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-bottom: 2.5rem;
  font-size: 1.0625rem;
  color: var(--text-secondary);
}

/* === FOOTER === */
.footer { background: var(--primary-700); color: var(--text-white); padding: 4rem 0 0; }
.footer-grid {
  display: grid; grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
}
@media (min-width: 640px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 3rem; } }

.footer-logo {
  display: flex; align-items: center; gap: 0.625rem;
  font-weight: 800; font-size: 1.125rem; color: var(--text-white);
  margin-bottom: 1rem;
}
.footer-brand > p { font-size: 0.9375rem; color: rgba(255,255,255,.6); line-height: 1.7; }

.footer-heading { color: var(--accent-gold); font-size: 0.875rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 1.25rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.625rem; }
.footer-col ul a { color: rgba(255,255,255,.65); font-size: 0.9375rem; transition: color var(--transition); }
.footer-col ul a:hover { color: var(--text-white); }

.footer-contact { display: flex; flex-direction: column; gap: 0.75rem; }
.footer-contact li { display: flex; align-items: flex-start; gap: 0.625rem; }
.footer-contact li svg { width: 16px; height: 16px; color: var(--accent-gold); flex-shrink: 0; margin-top: 3px; }
.footer-contact li a, .footer-contact li span { font-size: 0.875rem; color: rgba(255,255,255,.65); line-height: 1.5; }
.footer-contact li a:hover { color: var(--text-white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.5rem 0;
  text-align: center;
}
.footer-disclaimer { font-size: 0.8125rem; color: rgba(255,255,255,.45); max-width: 700px; margin: 0 auto 0.625rem; line-height: 1.6; }
.footer-copy { font-size: 0.8125rem; color: rgba(255,255,255,.4); }

/* === PAGE HERO (internes) === */
.page-hero {
  background: linear-gradient(135deg, #0f2035, #1e3a5f 60%, #172e4a);
  padding: 8rem 0 4rem;
  color: var(--text-white);
  text-align: center;
}
.page-hero h1 { color: var(--text-white); margin-bottom: 1rem; }
.page-hero p { font-size: 1.125rem; color: rgba(255,255,255,.8); max-width: 620px; margin: 0 auto; }
.page-hero .breadcrumb {
  font-size: 0.8125rem; color: rgba(255,255,255,.5);
  margin-bottom: 1.25rem;
  display: flex; justify-content: center; gap: 0.5rem; align-items: center;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,.6); }
.page-hero .breadcrumb a:hover { color: var(--text-white); }

/* === TEAM SECTION === */
.team-placeholder {
  background: var(--bg-light);
  border: 2px dashed var(--border-dark);
  border-radius: var(--radius-xl);
  padding: 3rem;
  text-align: center;
  color: var(--text-muted);
}
.team-placeholder p { font-size: 0.9375rem; }

/* === UTILITIES === */
.text-center { text-align: center; }
.text-gold { color: var(--accent-gold); }
.text-white { color: var(--text-white); }
.font-bold { font-weight: 700; }
.mt-1 { margin-top: 0.25rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }
.mt-8 { margin-top: 2rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-8 { margin-bottom: 2rem; }
.w-full { width: 100%; }
.hidden { display: none !important; }
.sr-only { position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0; }

/* === SERVICE DETAIL PAGE === */
.service-detail-hero {
  background: linear-gradient(135deg, #0f2035, #1e3a5f);
  padding: 8rem 0 5rem;
  color: var(--text-white);
  text-align: center;
}
.service-detail-hero .badge {
  display: inline-block;
  background: rgba(200,169,81,0.2);
  border: 1px solid rgba(200,169,81,0.4);
  color: var(--accent-gold);
  font-size: 0.8125rem; font-weight: 600;
  padding: 0.25rem 0.875rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.25rem;
}
.service-detail-hero h1 { color: var(--text-white); margin-bottom: 1rem; }
.service-detail-hero p { color: rgba(255,255,255,.8); font-size: 1.125rem; max-width: 620px; margin: 0 auto; }

.features-grid-2 {
  display: grid; grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 640px) { .features-grid-2 { grid-template-columns: repeat(2, 1fr); } }
.feature-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  display: flex; align-items: flex-start; gap: 1rem;
  transition: box-shadow var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow-md); }
.feature-card-icon {
  width: 44px; height: 44px;
  background: var(--primary-50);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-700); flex-shrink: 0;
}
.feature-card-icon svg { width: 22px; height: 22px; }
.feature-card h4 { margin-bottom: 0.25rem; }
.feature-card p { font-size: 0.875rem; margin: 0; }

/* === SCROLLBAR === */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg-light); }
::-webkit-scrollbar-thumb { background: var(--border-dark); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--text-muted); }

/* === PRINT === */
@media print {
  .navbar, .footer, .cta-banner { display: none; }
  .hero, .page-hero, .legal-hero { padding: 2rem 0; min-height: auto; }
  .section { padding: 2rem 0; }
}