/* ═══════════════════════════════════════════════════════
   RETAILBOOST — MODERN FINTECH DESIGN SYSTEM
   ═══════════════════════════════════════════════════════ */

/* ── Design Tokens ── */
:root {
  /* Brand */
  --primary:        #1A3FAA;
  --primary-light:  #2D63FF;
  --primary-dark:   #0D2272;
  --accent:         #10C48C;
  --accent-dark:    #059669;
  --accent-light:   #D0FBF0;

  /* Surfaces */
  --bg:             #F2F6FE;
  --surface:        #FFFFFF;
  --surface-2:      #F7FAFF;
  --surface-3:      #EDF2FD;

  /* Text */
  --text:           #0C1A4E;
  --text-2:         #2D3C72;
  --muted:          #5B6F99;
  --muted-2:        #9BABC8;

  /* Borders */
  --border:         #DEE8FA;
  --border-2:       #C8D8F4;

  /* Shadows */
  --shadow-xs:      0 1px 4px rgba(12,26,78,.05);
  --shadow-sm:      0 4px 18px rgba(12,26,78,.08);
  --shadow-md:      0 10px 36px rgba(12,26,78,.12);
  --shadow-lg:      0 24px 64px rgba(12,26,78,.16);
  --shadow-green:   0 8px 28px rgba(16,196,140,.28);

  /* Radii */
  --radius:         16px;
  --radius-sm:      10px;
  --radius-lg:      24px;
  --radius-xl:      32px;

  /* Motion */
  --t:              .28s cubic-bezier(.4,0,.2,1);
  --t-spring:       .4s cubic-bezier(.22,.68,0,1.2);

  /* ── Legacy aliases (used by loan-application.html) ── */
  --navy:           #1A3FAA;
  --navy-dark:      #0D2272;
  --navy-mid:       #2D63FF;
  --green:          #10C48C;
  --green-dark:     #059669;
  --light:          #F2F6FE;
  --white:          #FFFFFF;
  --border-old:     #DEE8FA;
  --shadow-old:     0 4px 18px rgba(12,26,78,.08);
  --transition:     .28s cubic-bezier(.4,0,.2,1);
}

/* ── Reset & Base ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Poppins', sans-serif;
  background: var(--bg);
  color: var(--text);
  -webkit-font-smoothing: antialiased;
}
.container { max-width: 1160px; margin: auto; padding: 0 28px; }
img { display: block; max-width: 100%; }

/* ═══════════════════════════════════════════════════════
   NAVBAR
   ═══════════════════════════════════════════════════════ */
.navbar {
  position: fixed; top: 0; width: 100%;
  background: rgba(13, 34, 114, .92);
  backdrop-filter: blur(18px) saturate(180%);
  -webkit-backdrop-filter: blur(18px) saturate(180%);
  border-bottom: 1px solid rgba(255,255,255,.06);
  padding: 16px 0;
  z-index: 9999;
  transition: padding var(--t), box-shadow var(--t), background var(--t);
}
.navbar.scrolled {
  background: rgba(10,26,90,.97);
  box-shadow: 0 4px 32px rgba(0,0,0,.22);
  padding: 11px 0;
}
.nav-flex { display: flex; justify-content: space-between; align-items: center; }
.logo {
  color: #fff;
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -0.6px;
  text-decoration: none;
}
.logo span { color: var(--accent); }
nav { display: flex; align-items: center; gap: 4px; }
nav a {
  color: rgba(255,255,255,.80);
  padding: 7px 14px;
  text-decoration: none;
  font-size: .84rem;
  font-weight: 500;
  border-radius: 8px;
  transition: color var(--t), background var(--t);
  position: relative;
}
nav a:not(.btn-loan):hover {
  color: #fff;
  background: rgba(255,255,255,.1);
}
nav a:not(.btn-loan)::after { display: none; }

/* ═══════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════ */
.hero { margin-top: 62px; height: 92vh; position: relative; overflow: hidden; }
.hero-slide {
  position: absolute; width: 100%; height: 100%;
  background-size: cover; background-position: center;
  opacity: 0; transition: opacity 1.4s ease;
}
.hero-slide.active { opacity: 1; }
.overlay {
  height: 100%;
  display: flex; align-items: center; justify-content: center;
  text-align: center; color: white; padding: 24px;
  background:
    linear-gradient(180deg, rgba(10,20,70,.55) 0%, rgba(8,16,56,.80) 100%);
}
/* Subtle diagonal grid pattern on hero */
.overlay::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.hero-content { max-width: 740px; position: relative; z-index: 1; }
.hero h1 {
  font-size: clamp(2rem, 5.5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -.6px;
  text-shadow: 0 2px 20px rgba(0,0,0,.25);
  margin-bottom: 18px;
}
.hero p {
  font-size: clamp(.95rem, 2vw, 1.12rem);
  opacity: .88;
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.75;
  font-weight: 400;
}

/* ═══════════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--surface);
  color: var(--primary);
  padding: 13px 28px;
  border-radius: var(--radius-xl);
  text-decoration: none;
  font-weight: 700;
  font-size: .9rem;
  letter-spacing: .1px;
  transition: transform var(--t), box-shadow var(--t), background var(--t);
  box-shadow: 0 4px 18px rgba(0,0,0,.14);
  border: none; cursor: pointer;
}
.btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,0,0,.2);
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  color: #fff;
  box-shadow: 0 6px 24px rgba(26,63,170,.35);
}
.btn-primary:hover {
  box-shadow: 0 12px 36px rgba(26,63,170,.45);
}
.btn-green {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: #fff;
  box-shadow: var(--shadow-green);
}
.btn-green:hover {
  box-shadow: 0 14px 40px rgba(16,196,140,.45);
}

/* ═══════════════════════════════════════════════════════
   SECTIONS
   ═══════════════════════════════════════════════════════ */
.section { padding: 96px 0; text-align: center; }
.gray { background: var(--surface-3); }
.white-section { background: var(--surface); }

.section h2 {
  font-size: clamp(1.65rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--text);
  margin-bottom: 10px;
  letter-spacing: -.4px;
  line-height: 1.25;
}
.section h2::after {
  content: '';
  display: block;
  width: 40px; height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--primary-light));
  border-radius: 4px;
  margin: 14px auto 0;
}
.section-subtitle {
  color: var(--muted);
  font-size: .97rem;
  max-width: 560px;
  margin: 18px auto 0;
  line-height: 1.8;
  font-weight: 400;
}
.section p, .about-text {
  color: var(--muted);
  font-size: .97rem;
  max-width: 620px;
  margin: 18px auto 0;
  line-height: 1.8;
}
.section-tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--accent-light);
  color: var(--accent-dark);
  padding: 5px 14px;
  border-radius: 20px;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .5px;
  text-transform: uppercase;
  margin-bottom: 14px;
  border: 1px solid rgba(16,196,140,.25);
}

/* ═══════════════════════════════════════════════════════
   STATS STRIP
   ═══════════════════════════════════════════════════════ */
.stats-strip {
  background: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 16px 20px;
  border-right: 1px solid var(--border);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-size: clamp(1.7rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -.5px;
  line-height: 1;
  margin-bottom: 6px;
}
.stat-num span { color: var(--accent); }
.stat-label {
  font-size: .78rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: .2px;
}

/* ═══════════════════════════════════════════════════════
   HOW IT WORKS — GRID CARDS
   ═══════════════════════════════════════════════════════ */
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin-top: 48px;
  text-align: left;
}
.card {
  background: var(--surface);
  padding: 28px 22px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-xs);
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--primary-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--t);
  border-radius: 3px 3px 0 0;
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-2);
}
.card:hover::before { transform: scaleX(1); }

/* Card emoji icon circle */
.card-icon-wrap {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--surface-3);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
  font-size: 1.35rem;
  transition: background var(--t);
}
.card:hover .card-icon-wrap { background: var(--accent-light); }
.card-emoji { font-size: 1.45rem; display: block; margin-bottom: 12px; line-height: 1; }
.card-text {
  font-size: .86rem;
  font-weight: 600;
  color: var(--text);
  line-height: 1.5;
}

/* ═══════════════════════════════════════════════════════
   BENEFITS GRID
   ═══════════════════════════════════════════════════════ */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 18px;
  max-width: 980px;
  margin: 48px auto 0;
  text-align: left;
}
.benefit-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 22px 20px;
  box-shadow: var(--shadow-xs);
  border: 1px solid var(--border);
  display: flex; align-items: flex-start; gap: 14px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent);
}
.benefit-check {
  width: 30px; height: 30px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .78rem;
  font-weight: 700;
  margin-top: 1px;
  box-shadow: 0 3px 10px rgba(16,196,140,.3);
}
.benefit-card span {
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-2);
  line-height: 1.55;
}

/* Legacy benefits */
.benefits {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 40px; max-width: 800px; margin: 40px auto 0; text-align: left;
}
.benefits li {
  list-style: none; padding: 10px 0;
  font-size: .92rem;
  border-bottom: 1px solid var(--border);
  color: var(--text);
}

/* ═══════════════════════════════════════════════════════
   EMI BOX (kept for loan-application.html)
   ═══════════════════════════════════════════════════════ */
.emi-box {
  max-width: 520px;
  margin: 48px auto 0;
  background: var(--surface);
  padding: 36px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  text-align: left;
  border: 1px solid var(--border);
}
.emi-box label {
  display: block;
  font-size: .84rem;
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 8px;
}
.emi-box label span {
  font-size: 1.1rem;
  color: var(--accent-dark);
  font-weight: 700;
}
.emi-box input[type=range] {
  width: 100%; margin: 0 0 22px;
  height: 6px; cursor: pointer;
  appearance: none; -webkit-appearance: none;
  background: linear-gradient(to right, var(--primary) 0%, var(--border) 0%);
  border-radius: 6px; outline: none;
}
.emi-box input[type=range]::-webkit-slider-thumb {
  appearance: none; -webkit-appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--primary);
  box-shadow: 0 2px 10px rgba(26,63,170,.4);
  cursor: pointer; transition: transform .2s;
}
.emi-box input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }
#emiResult { padding: 0; background: none; border: none; border-radius: 0; margin: 0; }

/* ═══════════════════════════════════════════════════════
   LOAN STEP BANNER
   ═══════════════════════════════════════════════════════ */
.loan-banner {
  background: linear-gradient(135deg, #0D2272 0%, #1A3FAA 50%, #1a6b4e 100%);
  padding: 90px 20px;
  text-align: center;
  color: white;
  position: relative; overflow: hidden;
}
/* Mesh circles */
.loan-banner::before {
  content: '';
  position: absolute;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(16,196,140,.12) 0%, transparent 70%);
  top: -120px; right: -60px;
  pointer-events: none;
}
.loan-banner::after {
  content: '';
  position: absolute;
  width: 380px; height: 380px; border-radius: 50%;
  background: radial-gradient(circle, rgba(45,99,255,.14) 0%, transparent 70%);
  bottom: -80px; left: -40px;
  pointer-events: none;
}
.loan-banner .container { position: relative; z-index: 1; }
.loan-banner h2 {
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 12px;
  letter-spacing: -.4px;
}
.loan-banner p {
  font-size: 1rem;
  opacity: .85;
  max-width: 520px;
  margin: 0 auto 16px;
  line-height: 1.75;
}
/* Feature pills strip inside loan banner */
.banner-pills {
  display: flex; justify-content: center;
  gap: 12px; flex-wrap: wrap;
  margin: 20px 0 36px;
}
.banner-pill {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.92);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: .78rem;
  font-weight: 600;
  backdrop-filter: blur(8px);
  letter-spacing: .2px;
}
.loan-banner .btn-apply {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--surface);
  color: var(--primary);
  padding: 15px 40px;
  border-radius: var(--radius-xl);
  text-decoration: none;
  font-weight: 700;
  font-size: 1rem;
  box-shadow: 0 8px 32px rgba(0,0,0,.22);
  transition: transform var(--t), box-shadow var(--t);
  letter-spacing: .2px;
}
.loan-banner .btn-apply:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 44px rgba(0,0,0,.3);
}

/* ═══════════════════════════════════════════════════════
   CTA SECTION
   ═══════════════════════════════════════════════════════ */
.cta {
  background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: white;
  padding: 96px 20px;
  text-align: center;
  position: relative; overflow: hidden;
}
.cta::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(16,196,140,.12) 0%, transparent 50%),
    radial-gradient(circle at 20% 80%, rgba(45,99,255,.1) 0%, transparent 50%);
  pointer-events: none;
}
.cta h2 {
  font-size: clamp(1.65rem, 3.5vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 12px;
  letter-spacing: -.4px;
  position: relative;
}
.cta p {
  color: rgba(255,255,255,.75);
  font-size: .97rem;
  max-width: 480px;
  margin: 0 auto 32px;
  line-height: 1.75;
  position: relative;
}
.cta .btn {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: white;
  padding: 15px 38px;
  font-size: 1rem;
  box-shadow: 0 8px 28px rgba(16,196,140,.4);
  position: relative;
}
.cta .btn:hover {
  box-shadow: 0 14px 40px rgba(16,196,140,.5);
}
.cta h3 { margin-top: 28px; font-size: 1.05rem; font-weight: 600; opacity: .8; }

/* ═══════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════ */
footer {
  background: #060F2E;
  color: rgba(255,255,255,.5);
  text-align: center;
  padding: 32px 28px;
  font-size: .82rem;
  border-top: 1px solid rgba(255,255,255,.05);
}
footer strong { color: rgba(255,255,255,.85); }

/* ═══════════════════════════════════════════════════════
   WHATSAPP BUTTON
   ═══════════════════════════════════════════════════════ */
.whatsapp {
  position: fixed; bottom: 28px; right: 28px;
  background: #25D366;
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white; text-decoration: none;
  font-size: 26px;
  box-shadow: 0 6px 24px rgba(37,211,102,.45);
  z-index: 998;
  transition: transform var(--t), box-shadow var(--t);
  animation: waPulse 2.8s infinite;
}
.whatsapp:hover {
  transform: scale(1.12);
  box-shadow: 0 10px 32px rgba(37,211,102,.6);
  animation: none;
}
@keyframes waPulse {
  0%,100% { box-shadow: 0 6px 24px rgba(37,211,102,.45); }
  50%      { box-shadow: 0 6px 36px rgba(37,211,102,.7), 0 0 0 10px rgba(37,211,102,.08); }
}

/* ═══════════════════════════════════════════════════════
   WELCOME SCREEN
   ═══════════════════════════════════════════════════════ */
#welcomeScreen {
  position: fixed; top: 0; left: 0; width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(270deg, #1A3FAA, #0a3a6e, #126644, #1A3FAA);
  background-size: 400% 400%;
  animation: gradientMove 5s ease infinite;
  z-index: 10000; color: white; text-align: center; padding: 20px;
}
@keyframes gradientMove {
  0%   { background-position: 0% 50%; }
  50%  { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}
#welcomeScreen::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(circle at 20% 30%, rgba(16,196,140,.18) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(255,255,255,.07) 0%, transparent 50%);
  pointer-events: none;
}
.welcome-box {
  max-width: 520px; position: relative; z-index: 1;
  animation: boxEntry .6s cubic-bezier(.22,.68,0,1.2) both;
}
@keyframes boxEntry {
  from { opacity: 0; transform: scale(.85) translateY(30px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}
.welcome-tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.3);
  color: rgba(255,255,255,.92);
  padding: 6px 18px; border-radius: 20px;
  font-size: .78rem; font-weight: 600; letter-spacing: .5px;
  margin-bottom: 20px;
  animation: fadeSlideDown .5s .15s ease both;
}
.welcome-sub {
  font-size: clamp(1rem, 3vw, 1.35rem);
  font-weight: 300; opacity: .85;
  letter-spacing: 3px; text-transform: uppercase;
  margin-bottom: 6px;
  animation: fadeSlideDown .5s .3s ease both;
}
.welcome-logo {
  font-size: clamp(2.8rem, 10vw, 5rem);
  font-weight: 800; letter-spacing: -2px; line-height: 1; margin-bottom: 20px;
  animation: logoEntrance .7s .45s cubic-bezier(.22,.68,0,1.2) both,
             logoGlow 2.5s 1.2s ease infinite alternate;
}
@keyframes logoEntrance {
  from { opacity: 0; transform: scale(.6); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes logoGlow {
  from { text-shadow: 0 0 20px rgba(16,196,140,.5), 0 2px 20px rgba(0,0,0,.2); }
  to   { text-shadow: 0 0 50px rgba(16,196,140,.9), 0 0 80px rgba(16,196,140,.3); }
}
.welcome-divider {
  width: 60px; height: 3px;
  background: linear-gradient(90deg, transparent, rgba(16,196,140,.9), transparent);
  margin: 0 auto 18px; border-radius: 2px;
  animation: fadeIn .5s .8s ease both;
}
#typingText {
  font-size: clamp(.9rem, 2.5vw, 1.1rem);
  opacity: .85; min-height: 1.6em; line-height: 1.7;
  animation: fadeIn .4s .9s ease both;
}
.loader-line {
  margin: 28px auto 0; height: 3px;
  background: rgba(255,255,255,.15); border-radius: 3px;
  max-width: 240px; overflow: hidden;
  animation: fadeIn .3s 1s ease both;
}
.loader-line::after {
  content: ''; display: block; height: 100%;
  background: linear-gradient(90deg, transparent, #10C48C, rgba(255,255,255,.9), #10C48C, transparent);
  border-radius: 3px; width: 0;
  animation: loadBar 2s 1s ease forwards;
}
@keyframes loadBar { to { width: 100%; } }
.welcome-dots {
  display: flex; justify-content: center; gap: 8px;
  margin-top: 20px; animation: fadeIn .3s 1.2s ease both;
}
.welcome-dots span {
  width: 7px; height: 7px; border-radius: 50%;
  background: rgba(255,255,255,.5);
  animation: dotPulse 1.4s ease infinite;
}
.welcome-dots span:nth-child(1) { animation-delay: 0s; }
.welcome-dots span:nth-child(2) { animation-delay: .2s; }
.welcome-dots span:nth-child(3) { animation-delay: .4s; }
@keyframes dotPulse {
  0%,80%,100% { transform: scale(1); opacity: .5; }
  40%          { transform: scale(1.4); opacity: 1; background: #10C48C; }
}
@keyframes fadeSlideDown {
  from { opacity: 0; transform: translateY(-12px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ═══════════════════════════════════════════════════════
   MOBILE HAMBURGER MENU
   ═══════════════════════════════════════════════════════ */
.nav-toggle {
  display: none;
  background: none;
  border: 1.5px solid rgba(255,255,255,.28);
  border-radius: 8px;
  padding: 8px 10px;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  transition: border-color var(--t);
  flex-shrink: 0;
}
.nav-toggle:hover { border-color: rgba(255,255,255,.6); }
.nav-toggle span {
  display: block;
  width: 20px; height: 2px;
  background: white; border-radius: 2px;
  transition: transform var(--t), opacity var(--t);
  transform-origin: center;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ═══════════════════════════════════════════════════════
   MICRO-INTERACTIONS — BUTTONS
   ═══════════════════════════════════════════════════════ */
.btn:active { transform: translateY(-1px) scale(.97); transition: transform .1s; }
.loan-banner .btn-apply:active { transform: translateY(-1px) scale(.97); transition: transform .1s; }

/* ═══════════════════════════════════════════════════════
   MICRO-INTERACTIONS — STATS ENTRANCE
   ═══════════════════════════════════════════════════════ */
.stat-item {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .5s ease, transform .5s cubic-bezier(.22,.68,0,1.2);
}
.stats-strip.in-view .stat-item { opacity: 1; transform: translateY(0); }
.stats-strip.in-view .stat-item:nth-child(1) { transition-delay: 0s; }
.stats-strip.in-view .stat-item:nth-child(2) { transition-delay: .08s; }
.stats-strip.in-view .stat-item:nth-child(3) { transition-delay: .16s; }
.stats-strip.in-view .stat-item:nth-child(4) { transition-delay: .24s; }

/* ═══════════════════════════════════════════════════════
   MICRO-INTERACTIONS — CARD ENTRANCE
   ═══════════════════════════════════════════════════════ */
.card { will-change: transform; }
.benefit-card { will-change: transform; }

/* ═══════════════════════════════════════════════════════
   REDUCED MOTION — ACCESSIBILITY
   ═══════════════════════════════════════════════════════ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  html { scroll-behavior: auto; }
  .stat-item { opacity: 1; transform: none; transition: none; }
  .card:hover, .benefit-card:hover { transform: none; }
  #welcomeScreen { animation: none; background: #1A3FAA; }
}

/* ═══════════════════════════════════════════════════════
   MOBILE RESPONSIVE
   ═══════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .container { padding: 0 18px; }
  .hero { height: auto; min-height: 84vh; }
  .hero h1 { font-size: 1.9rem; }
  .section { padding: 60px 0; }
  .grid { grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 14px; }
  .benefits-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .benefits { grid-template-columns: 1fr; }
  .loan-banner { padding: 60px 16px; }
  .loan-steps { grid-template-columns: repeat(3, 1fr) !important; gap: 12px; }
  .loan-step-card { padding: 18px 10px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(1),
  .stat-item:nth-child(2) { border-bottom: 1px solid var(--border); }
  .cta { padding: 72px 20px; }
  .about-features { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .container { padding: 0 14px; }

  /* Mobile nav — hamburger */
  .nav-toggle { display: flex; }
  nav {
    display: none;
    position: fixed; top: 60px; left: 0; right: 0;
    background: rgba(10,26,90,.98);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    flex-direction: column;
    padding: 12px 16px 20px;
    gap: 2px;
    border-bottom: 1px solid rgba(255,255,255,.08);
    z-index: 9990;
    box-shadow: 0 12px 32px rgba(0,0,0,.3);
  }
  nav.open { display: flex; }
  nav a:not(.btn-loan) { display: block; }
  nav a { padding: 12px 14px; font-size: .9rem; border-radius: 10px; width: 100%; }
  nav a.btn-loan { margin: 8px 0 0; text-align: center; justify-content: center; }

  /* Hero */
  .hero { min-height: 78vh; }
  .hero h1 { font-size: 1.48rem; line-height: 1.25; }
  .hero p { font-size: .88rem; }
  .hero-badge { font-size: .7rem; padding: 5px 12px; }

  /* Stats */
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { padding: 14px 12px; }
  .stat-num { font-size: 1.55rem; }

  /* Grid cards — 2 col */
  .grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .card { padding: 16px 13px; }
  .card-emoji { font-size: 1.25rem; margin-bottom: 8px; }
  .card-text { font-size: .78rem; }

  /* Benefits — single col */
  .benefits-grid { grid-template-columns: 1fr; gap: 10px; }
  .benefit-card { padding: 16px 14px; }

  /* About features */
  .about-features { grid-template-columns: 1fr 1fr; gap: 10px; }
  .about-feat { padding: 12px 12px; font-size: .8rem; }

  /* Loan banner */
  .loan-steps { grid-template-columns: repeat(2, 1fr) !important; gap: 10px; }
  .banner-pills { gap: 7px; }
  .banner-pill { font-size: .7rem; padding: 5px 11px; }
  .loan-banner h2 { font-size: 1.55rem; }
  .loan-banner p { font-size: .88rem; }
  .loan-banner .btn-apply { padding: 13px 26px; font-size: .88rem; }

  /* CTA */
  .cta h2 { font-size: 1.5rem; }
  .cta p { font-size: .88rem; }
  .cta .btn { padding: 13px 28px; font-size: .9rem; width: 100%; justify-content: center; }
  .cta-phone { padding: 10px 16px; }
  .cta-phone span { font-size: .88rem; }

  /* Logo */
  .logo { font-size: 1.25rem; }

  /* Footer */
  footer { padding: 22px 16px; font-size: .78rem; }

  /* WhatsApp */
  .whatsapp { bottom: 20px; right: 16px; width: 50px; height: 50px; font-size: 22px; }

  /* Buttons */
  .btn { padding: 12px 22px; font-size: .85rem; }
}