/* ===================================
   REGIONAL BANK
   Global Stylesheet — Luxury Finance
   =================================== */

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

/* ── Variables ── */
:root {
  --navy:       #071426;
  --navy-mid:   #0c2040;
  --navy-light: #133060;
  --gold:       #b8962e;
  --gold-light: #d4af56;
  --gold-pale:  #f0dfa0;
  --cream:      #f8f5ee;
  --white:      #ffffff;
  --gray-100:   #f2f4f7;
  --gray-300:   #c8d0dc;
  --gray-500:   #7a8898;
  --gray-700:   #3a4558;
  --text-dark:  #111827;

  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'Outfit', sans-serif;

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --shadow-sm:  0 2px 12px rgba(7,20,38,.10);
  --shadow-md:  0 8px 32px rgba(7,20,38,.18);
  --shadow-lg:  0 20px 60px rgba(7,20,38,.28);

  --transition: .35s cubic-bezier(.4,0,.2,1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── Helpers ── */
.container { width: 90%; max-width: 1240px; margin: 0 auto; }
.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
}
.section-title span { color: var(--gold); }
.section-sub {
  font-size: 1.05rem;
  color: var(--gray-500);
  margin-top: .75rem;
  max-width: 580px;
}
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .85rem 2rem;
  border-radius: 50px;
  font-size: .95rem; font-weight: 600; letter-spacing: .04em;
  transition: var(--transition);
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(184,150,46,.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(184,150,46,.45);
}
.btn-outline {
  border: 2px solid rgba(255,255,255,.5);
  color: var(--white);
}
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: var(--white); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.btn-navy:hover { background: var(--navy-light); transform: translateY(-2px); }

/* ── NAVBAR ── */
#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 1.1rem 0;
  transition: background var(--transition), box-shadow var(--transition), padding var(--transition);
}
#navbar.scrolled {
  background: rgba(7,20,38,.97);
  backdrop-filter: blur(14px);
  box-shadow: 0 4px 30px rgba(0,0,0,.25);
  padding: .7rem 0;
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo {
  display: flex; flex-direction: column;
}
.nav-logo .logo-main {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 700;
  color: var(--white); line-height: 1;
}
.nav-logo .logo-main span { color: var(--gold-light); }
.nav-logo .logo-sub {
  font-size: .6rem; letter-spacing: .18em; text-transform: uppercase;
  color: var(--gray-300); margin-top: 2px;
}
.nav-links {
  display: flex; gap: 2rem; align-items: center;
}
.nav-links a {
  font-size: .9rem; font-weight: 500; letter-spacing: .03em;
  color: rgba(255,255,255,.82);
  transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 1.5px;
  background: var(--gold-light);
  transition: width var(--transition);
}
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }

.lang-switcher { position: relative; }
.lang-btn {
  display: flex; align-items: center; gap: .4rem;
  padding: .45rem .9rem;
  border: 1.5px solid rgba(255,255,255,.3);
  border-radius: 50px;
  color: var(--white);
  font-size: .85rem; font-weight: 500;
  transition: var(--transition);
}
.lang-btn:hover { border-color: var(--gold-light); color: var(--gold-light); }
.lang-dropdown {
  display: none;
  position: absolute; top: calc(100% + 10px); right: 0;
  background: var(--navy-mid);
  border: 1px solid rgba(184,150,46,.25);
  border-radius: var(--radius-md);
  overflow: hidden;
  min-width: 160px;
  box-shadow: var(--shadow-md);
}
/* .lang-switcher:hover .lang-dropdown { display: block; } */
.lang-dropdown { display: none; }
.lang-switcher.open .lang-dropdown { display: block; }
.lang-dropdown a {
  display: flex; align-items: center; gap: .6rem;
  padding: .65rem 1rem;
  font-size: .88rem; color: var(--gray-300);
  transition: background var(--transition), color var(--transition);
}
.lang-dropdown a:hover { background: rgba(255,255,255,.08); color: var(--white); }
.lang-dropdown a.active { color: var(--gold-light); }

.nav-hamburger { display: none; flex-direction: column; gap: 5px; padding: .5rem; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }

/* ── HERO SLIDER ── */
.hero {
  position: relative; height: 100vh; min-height: 640px;
  overflow: hidden;
}
.slider-track {
  display: flex; height: 100%;
  transition: transform .9s cubic-bezier(.77,0,.175,1);
}
.slide {
  flex: 0 0 100%; height: 100%;
  position: relative;
  background-size: cover; background-position: center;
}
.slide::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(7,20,38,.85) 0%, rgba(12,32,64,.6) 60%, rgba(7,20,38,.4) 100%);
}
.slide-content {
  position: absolute; bottom: 15%; left: 50%; transform: translateX(-50%);
  width: 90%; max-width: 1240px;
  color: var(--white);
}
.slide-eyebrow {
  display: inline-block;
  font-size: .75rem; letter-spacing: .22em; text-transform: uppercase;
  color: var(--gold-light);
  border: 1px solid rgba(212,175,86,.4);
  padding: .35rem .9rem; border-radius: 50px;
  margin-bottom: 1rem;
}
.slide-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 6vw, 5rem);
  font-weight: 600; line-height: 1.1;
  margin-bottom: 1.2rem;
}
.slide-desc {
  font-size: 1.1rem; max-width: 580px;
  color: rgba(255,255,255,.8); margin-bottom: 2rem;
}
.slide-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

.slider-nav {
  position: absolute; bottom: 2.5rem; left: 50%; transform: translateX(-50%);
  display: flex; gap: .6rem; z-index: 10;
}
.slider-dot {
  width: 28px; height: 3px; border-radius: 2px;
  background: rgba(255,255,255,.35);
  transition: var(--transition);
  cursor: pointer;
}
.slider-dot.active { background: var(--gold-light); width: 48px; }

.slider-arrows {
  position: absolute; top: 50%; transform: translateY(-50%);
  width: 100%; display: flex; justify-content: space-between;
  padding: 0 2rem; z-index: 10; pointer-events: none;
}
.slider-arrow {
  pointer-events: all;
  width: 48px; height: 48px; border-radius: 50%;
  background: rgba(255,255,255,.12); backdrop-filter: blur(6px);
  border: 1px solid rgba(255,255,255,.25);
  color: var(--white); font-size: 1.1rem;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.slider-arrow:hover { background: var(--gold); border-color: var(--gold); }

/* ── STATS BAR ── */
.stats-bar {
  background: var(--navy);
  padding: 2.5rem 0;
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: rgba(255,255,255,.08);
}
.stat-item {
  background: var(--navy);
  padding: 1.8rem 1.5rem; text-align: center;
}
.stat-number {
  font-family: var(--font-display);
  font-size: 2.6rem; font-weight: 700;
  color: var(--gold-light); line-height: 1;
}
.stat-label {
  font-size: .82rem; letter-spacing: .08em; text-transform: uppercase;
  color: var(--gray-300); margin-top: .5rem;
}

/* ── SERVICES ── */
.services { padding: 7rem 0; background: var(--cream); }
.services-header { text-align: center; margin-bottom: 4rem; }
.services-header .section-sub { margin: .75rem auto 0; }
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  border: 1px solid rgba(0,0,0,.06);
  transition: var(--transition);
  position: relative; overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px; border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 1.5rem;
}
.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.4rem; font-weight: 600; color: var(--navy);
  margin-bottom: .75rem;
}
.service-card p { font-size: .93rem; color: var(--gray-500); line-height: 1.7; }
.service-badge {
  display: inline-block;
  margin-top: 1.2rem;
  padding: .3rem .8rem;
  background: rgba(184,150,46,.1);
  color: var(--gold);
  border-radius: 50px;
  font-size: .78rem; font-weight: 600; letter-spacing: .05em;
}

/* ── ABOUT ── */
.about { padding: 7rem 0; }
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center;
}
.about-image-wrap {
  position: relative;
}
.about-img-main {
  width: 100%; border-radius: var(--radius-lg);
  aspect-ratio: 4/5; object-fit: cover;
  box-shadow: var(--shadow-lg);
}
.about-badge {
  position: absolute; bottom: -1.5rem; right: -1.5rem;
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 1.5rem 2rem; text-align: center;
  box-shadow: var(--shadow-md);
}
.about-badge .num {
  font-family: var(--font-display);
  font-size: 2.8rem; font-weight: 700; color: var(--gold-light);
  line-height: 1;
}
.about-badge .lbl { font-size: .75rem; color: var(--gray-300); letter-spacing: .08em; text-transform: uppercase; }

.about-content { padding-left: 1rem; }
.about-content .section-title { margin-bottom: 1.2rem; }
.about-content p { color: var(--gray-700); margin-bottom: 1rem; font-size: .97rem; }
.about-features { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 2rem 0; }
.about-feature {
  display: flex; gap: .75rem; align-items: flex-start;
}
.about-feature .ico {
  width: 36px; height: 36px; min-width: 36px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: .85rem; color: var(--navy);
}
.about-feature h4 { font-size: .92rem; font-weight: 600; color: var(--navy); margin-bottom: .2rem; }
.about-feature p { font-size: .83rem; color: var(--gray-500); margin: 0; }
.about-legal {
  margin-top: 2rem;
  padding: 1.5rem;
  background: var(--gray-100);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--gold);
}
.about-legal p { font-size: .82rem; color: var(--gray-500); margin: 0; line-height: 1.6; }
.about-legal strong { color: var(--navy); }

/* ── PROCESS ── */
.process { padding: 7rem 0; background: var(--navy); }
.process-header { text-align: center; margin-bottom: 4.5rem; }
.process-header .section-title { color: var(--white); }
.process-header .section-sub { color: var(--gray-300); margin: .75rem auto 0; }
.process-steps {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; position: relative;
}
.process-steps::before {
  content: '';
  position: absolute; top: 3.5rem; left: 15%; right: 15%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.process-step { text-align: center; padding: 2rem 1.5rem; }
.step-num {
  width: 64px; height: 64px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.5rem;
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 700; color: var(--navy);
  box-shadow: 0 8px 24px rgba(184,150,46,.35);
}
.process-step h3 {
  font-family: var(--font-display);
  font-size: 1.25rem; color: var(--white); margin-bottom: .5rem;
}
.process-step p { font-size: .88rem; color: var(--gray-300); }

/* ── SIMULATOR ── */
.simulator { padding: 7rem 0; background: var(--cream); }
.sim-wrapper {
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.sim-intro .section-title { margin-bottom: 1rem; }
.sim-intro p { color: var(--gray-500); margin-bottom: 1.5rem; }
.sim-feature { display: flex; gap: .75rem; align-items: center; margin-bottom: .75rem; }
.sim-feature .dot { width: 8px; height: 8px; background: var(--gold); border-radius: 50%; flex-shrink: 0; }
.sim-feature span { font-size: .9rem; color: var(--gray-700); }
.sim-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(184,150,46,.15);
}
.sim-card h3 {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 600; color: var(--navy); margin-bottom: 1.5rem;
}
.form-group { margin-bottom: 1.4rem; }
.form-group label {
  display: block; font-size: .83rem; font-weight: 600;
  color: var(--navy); letter-spacing: .03em; margin-bottom: .5rem;
}
.form-group input, .form-group select {
  width: 100%; padding: .8rem 1rem;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .93rem;
  color: var(--text-dark);
  transition: border-color var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none; border-color: var(--navy-light);
}
.range-wrap { position: relative; }
.range-val {
  position: absolute; right: 0; top: -1.5rem;
  font-size: .85rem; font-weight: 600; color: var(--gold);
}
input[type="range"] {
  -webkit-appearance: none; width: 100%; height: 4px;
  background: var(--gray-300); border-radius: 2px; border: none; padding: 0;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold); cursor: pointer;
  box-shadow: 0 2px 8px rgba(184,150,46,.4);
}
.sim-result {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-top: 1.5rem;
  display: grid; grid-template-columns: 1fr 1fr; gap: 1rem;
}
.sim-result-item { text-align: center; }
.sim-result-item .r-val {
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 700; color: var(--gold-light);
}
.sim-result-item .r-lbl {
  font-size: .75rem; color: var(--gray-300); letter-spacing: .06em; text-transform: uppercase;
}

/* ── TESTIMONIALS ── */
.testimonials { padding: 7rem 0; }
.testi-header { text-align: center; margin-bottom: 4rem; }
.testi-header .section-sub { margin: .75rem auto 0; }
.testi-slider-wrap { position: relative; overflow: hidden; }
.testi-track {
  display: flex;
  transition: transform .7s cubic-bezier(.4,0,.2,1);
}
.testi-slide { flex: 0 0 100%; }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.testi-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid rgba(0,0,0,.07);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.testi-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testi-stars { color: var(--gold-light); font-size: 1rem; margin-bottom: 1rem; }
.testi-text { font-size: .93rem; color: var(--gray-700); line-height: 1.7; margin-bottom: 1.5rem; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: .75rem; }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  object-fit: cover; background: var(--gray-100);
  overflow: hidden;
}
.testi-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testi-name { font-weight: 600; font-size: .9rem; color: var(--navy); }
.testi-role { font-size: .78rem; color: var(--gray-500); }
.testi-controls { display: flex; justify-content: center; gap: 1rem; margin-top: 2.5rem; }
.testi-btn {
  width: 42px; height: 42px; border-radius: 50%;
  border: 2px solid var(--navy);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.testi-btn:hover { background: var(--navy); color: var(--white); }

/* ── LOAN FORM ── */
.loan-form { padding: 7rem 0; background: var(--navy); }
.loan-form-inner {
  display: grid; grid-template-columns: 1fr 1.5fr; gap: 5rem; align-items: start;
}
.loan-intro .section-title { color: var(--white); margin-bottom: 1rem; }
.loan-intro p { color: var(--gray-300); font-size: .95rem; margin-bottom: 1.5rem; }
.loan-guarantee {
  display: flex; gap: .6rem; align-items: center;
  background: rgba(255,255,255,.06); border-radius: var(--radius-md); padding: 1rem 1.2rem;
  margin-bottom: .75rem;
}
.loan-guarantee .ico { font-size: 1.2rem; }
.loan-guarantee span { font-size: .85rem; color: var(--gray-300); }
.loan-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
}
.loan-form-card h3 {
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 600; color: var(--navy); margin-bottom: 2rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group textarea {
  width: 100%; padding: .8rem 1rem;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .93rem;
  color: var(--text-dark); resize: vertical; min-height: 100px;
  transition: border-color var(--transition);
}
.form-group textarea:focus { outline: none; border-color: var(--navy-light); }
.form-msg { display: none; padding: 1rem; border-radius: var(--radius-sm); margin-top: 1rem; font-size: .88rem; }
.form-msg.success { background: rgba(22,163,74,.1); color: #166534; border: 1px solid rgba(22,163,74,.2); display: block; }
.form-msg.error { background: rgba(220,38,38,.1); color: #991b1b; border: 1px solid rgba(220,38,38,.2); display: block; }

/* ── CONTACT ── */
.contact { padding: 7rem 0; background: var(--cream); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 5rem; }
.contact-info h2 { font-family: var(--font-display); font-size: 2.2rem; color: var(--navy); margin-bottom: 1rem; }
.contact-info p { color: var(--gray-500); margin-bottom: 2rem; }
.contact-detail { display: flex; gap: 1rem; align-items: flex-start; margin-bottom: 1.5rem; }
.contact-detail .ico {
  width: 44px; height: 44px; min-width: 44px; border-radius: var(--radius-sm);
  background: var(--navy); color: var(--gold-light);
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
}
.contact-detail h4 { font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: .2rem; }
.contact-detail p { font-size: .88rem; color: var(--gray-500); margin: 0; }
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: var(--shadow-md);
}
.contact-form-card h3 {
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 600; color: var(--navy); margin-bottom: 2rem;
}

/* ── FOOTER ── */
footer {
  background: var(--navy);
  padding: 5rem 0 2rem;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 3rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand .logo-main { font-family: var(--font-display); font-size: 1.6rem; color: var(--white); }
.footer-brand .logo-main span { color: var(--gold-light); }
.footer-brand .logo-sub { font-size: .6rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gray-300); }
.footer-brand p { margin-top: 1rem; font-size: .87rem; color: var(--gray-500); line-height: 1.7; max-width: 280px; }
.footer-socials { display: flex; gap: .6rem; margin-top: 1.5rem; }
.footer-socials a {
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,.15);
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-300); font-size: .85rem;
  transition: var(--transition);
}
.footer-socials a:hover { border-color: var(--gold); color: var(--gold-light); }
.footer-col h4 {
  font-size: .78rem; letter-spacing: .15em; text-transform: uppercase;
  color: var(--gold-light); margin-bottom: 1.2rem;
}
.footer-col ul li { margin-bottom: .65rem; }
.footer-col ul li a { font-size: .88rem; color: var(--gray-500); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact p { font-size: .85rem; color: var(--gray-500); margin-bottom: .5rem; display: flex; align-items: center; gap: .5rem; }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding-top: 2rem; flex-wrap: wrap; gap: 1rem;
}
.footer-bottom p { font-size: .82rem; color: var(--gray-500); }
.footer-bottom a { color: var(--gray-500); transition: color var(--transition); }
.footer-bottom a:hover { color: var(--gold-light); }
.footer-siren {
  font-size: .78rem; color: rgba(255,255,255,.25);
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,.05);
  margin-top: 1rem;
  text-align: center;
}

/* ── MOBILE NAV ── */
.mobile-nav {
  display: none;
  position: fixed; top: 0; left: 0; right: 0; bottom: 0; z-index: 999;
  background: var(--navy);
  flex-direction: column; align-items: center; justify-content: center; gap: 1.5rem;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { font-family: var(--font-display); font-size: 1.8rem; color: var(--white); }
.mobile-nav a:hover { color: var(--gold-light); }
.mobile-close {
  position: absolute; top: 1.5rem; right: 1.5rem;
  color: var(--white); font-size: 1.5rem; padding: .5rem;
}
.mobile-langs { display: flex; gap: 1rem; margin-top: 1rem; }
.mobile-langs a { font-size: .9rem; color: var(--gray-300); }
.mobile-langs a.active { color: var(--gold-light); }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr; }
  .about-image-wrap { max-width: 500px; }
  .loan-form-inner { grid-template-columns: 1fr; gap: 3rem; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
}
@media (max-width: 768px) {
  .nav-links, .lang-switcher { display: none; }
  .nav-hamburger { display: flex; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .sim-wrapper { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .about-badge { right: 0; }
  .sim-result { grid-template-columns: 1fr; }
}

/* ── ANIMATIONS ── */
.fade-up {
  opacity: 0; transform: translateY(30px);
  transition: opacity .7s ease, transform .7s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }

[data-delay="1"] { transition-delay: .1s; }
[data-delay="2"] { transition-delay: .2s; }
[data-delay="3"] { transition-delay: .3s; }
[data-delay="4"] { transition-delay: .4s; }
[data-delay="5"] { transition-delay: .5s; }

/* ══ SERVICES avec images ══ */
.service-card { overflow: hidden; padding: 0; }
.service-img-wrap {
  position: relative; height: 200px; overflow: hidden;
}
.service-img-wrap img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform .5s ease;
}
.service-card:hover .service-img-wrap img { transform: scale(1.06); }
.service-img-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to bottom, rgba(7,20,38,.2) 0%, rgba(7,20,38,.7) 100%);
  display: flex; align-items: flex-end; padding: 1rem;
}
.service-img-overlay .s-badge {
  font-size: .75rem; font-weight: 700; letter-spacing: .06em;
  padding: .3rem .8rem; border-radius: 50px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}
.service-card-body { padding: 1.8rem; }
.service-card-body h3 { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; color: var(--navy); margin-bottom: .6rem; }
.service-card-body p { font-size: .9rem; color: var(--gray-500); line-height: 1.7; }

/* ══ LOAN / CONTACT standalone pages ══ */
.page-hero {
  background: var(--navy);
  padding: 9rem 0 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?w=1400&q=60') center/cover;
  opacity: .12;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 600; color: var(--white); margin-bottom: .75rem;
}
.page-hero p { font-size: 1.05rem; color: var(--gray-300); max-width: 600px; margin: 0 auto; }
.page-breadcrumb {
  display: flex; justify-content: center; gap: .5rem; align-items: center;
  margin-bottom: 1.5rem;
}
.page-breadcrumb a, .page-breadcrumb span {
  font-size: .82rem; color: var(--gray-300); letter-spacing: .04em;
}
.page-breadcrumb a:hover { color: var(--gold-light); }
.page-breadcrumb .sep { color: var(--gold); }

.page-body { padding: 5rem 0; background: var(--cream); }
.page-body-inner {
  display: grid; grid-template-columns: 1fr 1.6fr; gap: 5rem; align-items: start;
}
.page-sidebar {}
.page-sidebar h2 {
  font-family: var(--font-display);
  font-size: 2rem; font-weight: 600; color: var(--navy);
  margin-bottom: 1rem;
}
.page-sidebar p { color: var(--gray-500); margin-bottom: 1.5rem; }
.page-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.8rem;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(184,150,46,.12);
}
.page-card h3 {
  font-family: var(--font-display);
  font-size: 1.6rem; color: var(--navy); margin-bottom: 2rem;
}

/* contact details */
.c-detail { display: flex; gap: 1rem; align-items: flex-start; margin-bottom: 1.4rem; }
.c-detail .c-ico {
  width: 46px; height: 46px; min-width: 46px; border-radius: var(--radius-sm);
  background: var(--navy); color: var(--gold-light);
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
}
.c-detail h4 { font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: .2rem; }
.c-detail p  { font-size: .87rem; color: var(--gray-500); margin: 0; }

@media (max-width: 900px) {
  .page-body-inner { grid-template-columns: 1fr; gap: 3rem; }
}

/* testi-city */
.testi-city { font-size: .75rem; color: var(--gold); margin-top: 2px; }