/* =========================================================
   X CREDI — Cyber-Fintech UI
   ========================================================= */

:root {
  /* Light (default) palette — recreated from the X Credi logo: metallic gold + warm charcoal */
  --bg: #FAF7F0;
  --bg-1: #FFFFFF;
  --bg-2: #F2ECDD;
  --surface: rgba(255, 255, 255, 0.65);
  --surface-2: rgba(255, 255, 255, 0.9);
  --border: rgba(26, 20, 6, 0.08);
  --border-strong: rgba(26, 20, 6, 0.14);
  --text: #1A1406;
  --text-muted: #6B6455;
  --text-dim: #9C947E;

  --navy: #1A1406;
  --white: #FFFFFF;

  --cyan: #D9A521;
  --cyan-light: #F4C430;
  --violet: #A67C0A;
  --violet-light: #C99A3D;
  --blue: #A67C0A;
  --gold: #D9A521; /* legacy alias so untouched inline styles keep working */
  --gold-dark: #8B6508;

  --ease: cubic-bezier(0.16, 1, 0.3, 1);

  --font-heading: 'Space Grotesk', 'Manrope', sans-serif;
  --font-body: 'Manrope', sans-serif;
  --font-mono: 'JetBrains Mono', monospace;

  --radius-lg: 22px;
  --radius-md: 16px;
  --radius-sm: 10px;

  --shadow-soft: 0 1px 2px rgba(26, 20, 6, 0.06), 0 20px 50px -18px rgba(26, 20, 6, 0.16);
  --shadow-card: inset 0 1px 0 rgba(255, 255, 255, 0.6), 0 1px 2px rgba(26, 20, 6, 0.06), 0 20px 45px -20px rgba(26, 20, 6, 0.18);
  --shadow-glow: 0 0 0 1px rgba(139, 101, 8, 0.22), 0 15px 40px -10px rgba(139, 101, 8, 0.24);

  --gradient-primary: linear-gradient(135deg, #F4C430 0%, #D9A521 55%, #A67C0A 100%);
  --gradient-accent: linear-gradient(135deg, #A67C0A 0%, #F4C430 100%);
  --gradient-dark: linear-gradient(160deg, #1E1B15 0%, #0B0A08 100%);
  --gradient-gold: var(--gradient-primary);
  --gradient-navy: var(--gradient-dark);

  --grid-line: rgba(26, 20, 6, 0.05);

  color-scheme: light;
}

:root[data-theme="dark"] {
  --bg: #0B0A08;
  --bg-1: #15130F;
  --bg-2: #1E1B15;
  --surface: rgba(255, 245, 225, 0.045);
  --surface-2: rgba(255, 245, 225, 0.07);
  --border: rgba(255, 245, 225, 0.09);
  --border-strong: rgba(255, 245, 225, 0.16);
  --text: #F1EDE6;
  --text-muted: #A39C8E;
  --text-dim: #6E6858;

  --shadow-soft: 0 1px 2px rgba(0, 0, 0, 0.3), 0 20px 50px -18px rgba(0, 0, 0, 0.55);
  --shadow-card: inset 0 1px 0 rgba(255, 245, 225, 0.05), 0 1px 2px rgba(0, 0, 0, 0.25), 0 20px 45px -20px rgba(0, 0, 0, 0.55);
  --shadow-glow: 0 0 0 1px rgba(244, 196, 48, 0.28), 0 15px 40px -10px rgba(244, 196, 48, 0.35);

  --grid-line: rgba(255, 245, 225, 0.05);

  color-scheme: dark;
}

/* =========================================================
   RESET / BASE
   ========================================================= */
* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  transition: background-color 0.4s ease, color 0.4s ease;
  position: relative;
}

/* Ambient tech grid + glow, fixed behind everything */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -2;
  background-image:
    linear-gradient(var(--grid-line) 1px, transparent 1px),
    linear-gradient(90deg, var(--grid-line) 1px, transparent 1px);
  background-size: 42px 42px;
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, #000 40%, transparent 100%);
  mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, #000 40%, transparent 100%);
}

h1, h2, h3, h4, .step-number {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.01em;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; margin: 0; padding: 0; }

.text-gold {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.section-padding { padding: 100px 0; }

@media (max-width: 767px) {
  .section-padding { padding: 64px 0; }
}

.section-heading {
  max-width: 680px;
  margin: 0 auto 56px;
  text-align: center;
}

.section-heading.light h2,
.section-heading.light p { color: var(--text); }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--cyan-light);
  background: rgba(244, 196, 48, 0.09);
  border: 1px solid rgba(244, 196, 48, 0.25);
  padding: 6px 16px;
  border-radius: 30px;
  margin-bottom: 16px;
}
.section-tag::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--cyan);
  box-shadow: 0 0 8px 2px rgba(244, 196, 48, 0.8);
}

.section-heading h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  margin-bottom: 14px;
}

.section-heading p {
  color: var(--text-muted);
  font-size: 1.05rem;
}

/* =========================================================
   BUTTONS
   ========================================================= */
.btn-gold, .btn-gold-nav {
  background: var(--gradient-primary);
  color: var(--navy) !important;
  font-weight: 700;
  border: none;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-glow);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
  position: relative;
  overflow: hidden;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-gold:hover, .btn-gold-nav:hover {
  transform: translateY(-2px);
  box-shadow: 0 0 0 1px rgba(244, 196, 48, 0.4), 0 20px 45px -10px rgba(244, 196, 48, 0.5);
  color: var(--navy);
}

.btn-gold-nav { padding: 10px 22px; font-size: 0.92rem; border-radius: 10px; }

.btn-outline-dark-gold {
  background: transparent;
  border: 1.5px solid var(--border-strong);
  color: var(--text);
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  transition: background-color 0.35s var(--ease), border-color 0.35s var(--ease), color 0.35s var(--ease), transform 0.35s var(--ease);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-outline-dark-gold:hover {
  background: var(--surface-2);
  border-color: var(--cyan);
  color: var(--cyan-light);
  transform: translateY(-2px);
}

.btn-outline-nav {
  border: 1.5px solid var(--border);
  color: var(--text);
  font-weight: 600;
  padding: 10px 20px;
  border-radius: 10px;
  font-size: 0.92rem;
  transition: border-color 0.3s var(--ease), color 0.3s var(--ease);
}
.btn-outline-nav:hover { border-color: var(--cyan); color: var(--cyan-light); }

/* Button ripple */
.btn-ripple { position: relative; overflow: hidden; }
.ripple-el {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.45);
  transform: scale(0);
  animation: ripple-anim 0.6s ease-out;
  pointer-events: none;
}
@keyframes ripple-anim {
  to { transform: scale(3); opacity: 0; }
}

/* =========================================================
   THEME TOGGLE
   ========================================================= */
.theme-toggle {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.05rem;
  cursor: pointer;
  transition: all 0.25s var(--ease);
  flex: none;
}
.theme-toggle:hover { border-color: var(--cyan); color: var(--cyan-light); transform: translateY(-2px); }
.theme-toggle .bi-sun-fill { display: none; }
:root[data-theme="dark"] .theme-toggle .bi-sun-fill { display: inline-block; }
:root[data-theme="dark"] .theme-toggle .bi-moon-stars-fill { display: none; }

/* =========================================================
   HEADER
   ========================================================= */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 18px 0;
  transition: all 0.35s ease;
  background: transparent;
}
.site-header.scrolled {
  padding: 10px 0;
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: blur(18px) saturate(180%);
  -webkit-backdrop-filter: blur(18px) saturate(180%);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 10px 30px -15px rgba(26, 20, 6, 0.15);
}
:root[data-theme="dark"] .site-header.scrolled {
  background: rgba(21, 19, 15, 0.72);
  box-shadow: 0 10px 30px -15px rgba(0, 0, 0, 0.5);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
}
.brand-logo-img {
  height: 58px;
  width: auto;
  object-fit: contain;
  transition: height 0.35s var(--ease);
}
.site-header.scrolled .brand-logo-img { height: 46px; }

.main-nav { gap: 4px; }
.main-nav .nav-link {
  font-weight: 600;
  font-size: 0.94rem;
  color: var(--text);
  padding: 10px 16px !important;
  border-radius: 30px;
  transition: all 0.2s var(--ease);
}
.main-nav .nav-link:hover,
.main-nav .nav-link.active { color: var(--cyan-light); background: rgba(244,196,48,0.08); }

.dropdown-menu {
  background: var(--bg-1);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-soft);
  padding: 8px;
}
.dropdown-item { color: var(--text); border-radius: 8px; padding: 8px 14px; }
.dropdown-item:hover, .dropdown-item:focus { background: rgba(244,196,48,0.1); color: var(--cyan-light); }

.header-actions { display: flex; align-items: center; gap: 12px; margin-left: 16px; }

.header-contact {
  align-items: center;
  gap: 10px;
  padding-right: 14px;
  border-right: 1px solid var(--border);
}
.header-contact i { font-size: 1.2rem; color: var(--cyan-light); }
.header-contact strong { display: block; font-size: 0.92rem; color: var(--text); }
.header-contact span { font-size: 0.72rem; color: var(--text-muted); }

.navbar-toggler { border: none; padding: 6px; }
.navbar-toggler:focus { box-shadow: none; }
.toggler-bar {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  margin: 5px 0;
  border-radius: 2px;
}

@media (max-width: 991px) {
  .site-header.scrolled, .site-header { background: var(--bg-1); }
  .main-nav { gap: 0; padding: 16px 0; }
  .header-actions { flex-wrap: wrap; margin: 12px 0 0; }
}

/* =========================================================
   HERO SECTION
   ========================================================= */
.hero-section {
  position: relative;
  padding: 104px 0 60px;
  background: var(--bg);
  overflow: hidden;
}
.hero-bg-glow {
  position: absolute;
  top: -220px;
  right: -220px;
  width: 760px;
  height: 760px;
  background: radial-gradient(circle, rgba(244,196,48,0.16) 0%, rgba(244,196,48,0) 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-bg-glow::after {
  content: "";
  position: absolute;
  top: 420px;
  left: -540px;
  width: 640px;
  height: 640px;
  background: radial-gradient(circle, rgba(166,124,10,0.14) 0%, rgba(166,124,10,0) 70%);
  border-radius: 50%;
}

#particleCanvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 0;
  opacity: 0.35;
  pointer-events: none;
}

.hero-section .container { position: relative; z-index: 1; }

.promo-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(244,196,48,0.1);
  color: var(--cyan-light);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 8px 18px;
  border-radius: 30px;
  margin-bottom: 24px;
  border: 1px solid rgba(244,196,48,0.28);
}

.hero-title {
  font-size: clamp(2.1rem, 4vw, 3.4rem);
  line-height: 1.2;
  margin-bottom: 20px;
  color: var(--text);
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--text);
}
.hero-feature i {
  width: 34px;
  height: 34px;
  min-width: 34px;
  border-radius: 10px;
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--cyan-light);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-soft);
}

.hero-cta { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 40px; }

.hero-reviews { display: flex; align-items: center; gap: 16px; }
.review-avatars { display: flex; }
.avatar-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--c, var(--gradient-primary));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.78rem;
  border: 3px solid var(--bg);
  margin-left: -12px;
  box-shadow: var(--shadow-soft);
}
.avatar-circle:first-child { margin-left: 0; }
.avatar-more { background: var(--gradient-accent); color: var(--white); font-size: 0.65rem; }

.review-text .stars { color: var(--cyan); letter-spacing: 2px; font-size: 0.9rem; }
.review-text div { font-size: 0.92rem; color: var(--text); }

/* =========================================================
   HERO RIGHT — CALCULATOR CARD
   ========================================================= */
.hero-right-stack { display: flex; flex-direction: column; gap: 24px; }

.calc-card {
  background: var(--surface);
  backdrop-filter: blur(24px) saturate(160%);
  -webkit-backdrop-filter: blur(24px) saturate(160%);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  padding: 28px;
}

.calc-card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
}
.calc-card-header i {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--gradient-dark);
  border: 1px solid var(--border);
  color: var(--cyan);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}
.calc-card-header h3 { font-size: 1.15rem; margin: 0; color: var(--text); }

.calc-row { margin-bottom: 22px; }
.calc-row-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
}
.calc-row-label strong { color: var(--cyan-light); font-size: 1.05rem; font-family: var(--font-mono); }

.gold-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 10px;
  background: linear-gradient(90deg, var(--cyan) 0%, var(--cyan) var(--pct, 50%), var(--border-strong) var(--pct, 50%), var(--border-strong) 100%);
  outline: none;
}
.gold-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--bg-1);
  border: 4px solid var(--cyan);
  box-shadow: 0 0 14px 2px rgba(244,196,48,0.55);
  cursor: pointer;
}
.gold-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--bg-1);
  border: 4px solid var(--cyan);
  box-shadow: 0 0 14px 2px rgba(244,196,48,0.55);
  cursor: pointer;
}
.range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-dim);
  margin-top: 6px;
  font-family: var(--font-mono);
}

.loan-select {
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  padding: 12px 16px;
  font-weight: 600;
  font-size: 0.92rem;
  background-color: var(--surface-2);
  color: var(--text);
}
.loan-select:focus { border-color: var(--cyan); box-shadow: 0 0 0 3px rgba(244,196,48,0.18); }
.loan-select option { background: var(--bg-1); color: var(--text); }

.calc-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 20px;
}
.calc-result-box {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
}
.calc-result-box span { display: block; font-size: 0.75rem; color: var(--text-muted); margin-bottom: 4px; }
.calc-result-box strong { font-size: 1.3rem; color: var(--text); font-family: var(--font-mono); }

.approval-box {
  background: var(--gradient-dark);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}
.approval-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  margin-bottom: 10px;
}
.approval-label strong { color: var(--cyan-light); }
.approval-track {
  height: 8px;
  border-radius: 10px;
  background: rgba(255,255,255,0.12);
  overflow: hidden;
}
.approval-fill {
  height: 100%;
  width: 0%;
  border-radius: 10px;
  background: var(--gradient-primary);
  box-shadow: 0 0 10px rgba(244,196,48,0.6);
  transition: width 1s cubic-bezier(0.22, 1, 0.36, 1);
}
.approval-percent {
  display: block;
  text-align: right;
  margin-top: 8px;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--cyan-light);
}

.calc-disclaimer {
  font-size: 0.75rem;
  color: var(--text-dim);
  display: flex;
  align-items: flex-start;
  gap: 6px;
  margin: 0;
}

/* =========================================================
   BEST OFFER CARD
   ========================================================= */
.best-offer-card {
  background: var(--gradient-dark);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px;
  color: var(--white);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(0,0,0,0.6);
}
.best-offer-card::before {
  content: "";
  position: absolute;
  top: -60%;
  right: -30%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(244,196,48,0.22) 0%, transparent 70%);
}
.best-offer-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--cyan-light);
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.recommended-badge {
  position: absolute;
  top: 26px;
  right: 30px;
  background: var(--gradient-primary);
  color: var(--navy);
  font-size: 0.68rem;
  font-weight: 800;
  padding: 5px 12px;
  border-radius: 20px;
  letter-spacing: 0.5px;
}

.best-offer-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 22px;
  position: relative;
  z-index: 1;
}
.bank-logo-badge {
  background: var(--white);
  padding: 10px 18px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
}
.bank-logo-badge img {
  height: 26px;
  width: auto;
  object-fit: contain;
  display: block;
}
.best-offer-amount { text-align: right; }
.best-offer-amount span { display: block; font-size: 0.75rem; color: rgba(255,255,255,0.6); }
.best-offer-amount strong { font-size: 1.3rem; color: var(--white); font-family: var(--font-mono); }

.best-offer-main {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 18px;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
}
.best-offer-rate strong { font-size: 2rem; color: var(--cyan-light); font-family: var(--font-heading); }
.best-offer-rate span { display: block; font-size: 0.75rem; color: rgba(255,255,255,0.65); }
.best-offer-figures { display: flex; gap: 24px; }
.best-offer-figures span { display: block; font-size: 0.72rem; color: rgba(255,255,255,0.6); }
.best-offer-figures strong { font-size: 1.1rem; font-family: var(--font-mono); }

.best-offer-benefits { margin-bottom: 22px; position: relative; z-index: 1; }
.best-offer-benefits li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  margin-bottom: 10px;
  color: rgba(255,255,255,0.9);
}
.best-offer-benefits i { color: var(--cyan-light); }

/* =========================================================
   STATS BAR
   ========================================================= */
.stats-bar {
  background: transparent;
  padding: 40px 0;
  margin-top: -60px;
  position: relative;
  z-index: 5;
}
.stats-grid {
  background: var(--surface);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  padding: 36px 20px;
  gap: 16px;
}
.stat-item { text-align: center; padding: 0 8px; }
.stat-item i { font-size: 1.5rem; color: var(--cyan-light); margin-bottom: 10px; display: block; }
.stat-item strong {
  font-family: var(--font-mono);
  font-size: 1.5rem;
  color: var(--text);
  display: inline-block;
}
.stat-suffix { font-family: var(--font-mono); font-size: 1.5rem; color: var(--text); font-weight: 700; }
.stat-item p { margin: 4px 0 0; font-size: 0.82rem; color: var(--text-muted); }

@media (max-width: 991px) {
  .stats-grid { grid-template-columns: repeat(3, 1fr); }
  .stat-item { margin-bottom: 10px; }
}
@media (max-width: 575px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

/* =========================================================
   FEATURE CARDS (Why choose us)
   ========================================================= */
.feature-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 34px 28px;
  height: 100%;
  box-shadow: var(--shadow-card);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s var(--ease);
  backdrop-filter: blur(10px);
}
.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-glow);
  border-color: rgba(244,196,48,0.4);
}
.feature-icon {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: rgba(244,196,48,0.1);
  border: 1px solid rgba(244,196,48,0.2);
  color: var(--cyan-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  transition: all 0.3s var(--ease);
}
.feature-card:hover .feature-icon { background: var(--gradient-primary); color: var(--navy); border-color: transparent; }
.feature-card h4 { font-size: 1.15rem; margin-bottom: 10px; color: var(--text); }
.feature-card p { color: var(--text-muted); font-size: 0.92rem; margin: 0; }

/* =========================================================
   PARTNERS
   ========================================================= */
.partners-section { background: var(--bg-2); }
.partners-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.partner-logo {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 30px 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 100px;
  box-shadow: var(--shadow-card);
  transition: transform 0.4s var(--ease), filter 0.4s var(--ease), border-color 0.4s var(--ease);
  filter: grayscale(40%) brightness(1.4);
}
.partner-logo:hover { transform: translateY(-6px) scale(1.03); filter: grayscale(0%) brightness(1); border-color: rgba(244,196,48,0.35); }
.partner-logo img {
  max-width: 100%;
  max-height: 42px;
  width: auto;
  height: auto;
  object-fit: contain;
}

.pl { font-weight: 800; font-size: 1.05rem; letter-spacing: 0.3px; text-align: center; }
.pl b { font-weight: 800; }
.pl.dsk { color: #FF7A3D; }
.pl.kredisimo { color: #B98CFF; font-weight: 900; }

@media (max-width: 991px) { .partners-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 575px) { .partners-grid { grid-template-columns: repeat(2, 1fr); } }

/* =========================================================
   STEPS SECTION
   ========================================================= */
.steps-section { background: var(--gradient-dark); position: relative; overflow: hidden; }
.steps-section::before {
  content: "";
  position: absolute;
  top: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(244,196,48,0.14) 0%, transparent 70%);
}
.steps-row {
  display: flex;
  align-items: stretch;
  justify-content: center;
  gap: 8px;
  position: relative;
  z-index: 1;
}
.step-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-md);
  padding: 30px 22px;
  text-align: center;
  flex: 1;
  color: var(--white);
  transition: all 0.3s var(--ease);
}
.step-card:hover { background: rgba(255,255,255,0.08); transform: translateY(-6px); border-color: rgba(244,196,48,0.3); }
.step-number {
  font-family: var(--font-mono);
  font-size: 2rem;
  color: rgba(244,196,48,0.35);
  margin-bottom: 6px;
}
.step-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--gradient-primary);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}
.step-card h4 { color: var(--white); font-size: 1.05rem; margin-bottom: 8px; }
.step-card p { color: rgba(255,255,255,0.65); font-size: 0.85rem; margin: 0; }
.step-connector { display: flex; align-items: center; color: var(--cyan); font-size: 1.3rem; opacity: 0.6; }

@media (max-width: 991px) {
  .steps-row { flex-direction: column; }
  .step-connector { transform: rotate(90deg); margin: -6px 0; }
}

/* =========================================================
   LOAN TYPE CARDS
   ========================================================= */
.loan-type-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  height: 100%;
  box-shadow: var(--shadow-card);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s var(--ease);
  border-top: 3px solid transparent;
  backdrop-filter: blur(10px);
}
.loan-type-card:hover { border-top-color: var(--cyan); transform: translateY(-8px); box-shadow: var(--shadow-glow); }
.loan-type-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--gradient-dark);
  border: 1px solid var(--border);
  color: var(--cyan);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.loan-type-card h4 { font-size: 1.1rem; margin-bottom: 10px; color: var(--text); }
.loan-type-card p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 16px; }
.loan-type-link { color: var(--cyan-light); font-weight: 700; font-size: 0.88rem; display: inline-flex; align-items: center; gap: 6px; transition: gap 0.2s var(--ease); }
.loan-type-link:hover { gap: 10px; }

/* =========================================================
   TRUST SECTION
   ========================================================= */
.trust-section { background: var(--bg-1); padding: 46px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-around;
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  font-weight: 600;
  font-size: 0.95rem;
}
.trust-item i { color: var(--cyan); font-size: 1.3rem; }

/* =========================================================
   ABOUT
   ========================================================= */
.about-list { margin: 24px 0; }
.about-list li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 14px; font-size: 0.95rem; color: var(--text); }
.about-list i { color: var(--cyan-light); margin-top: 3px; }

/* =========================================================
   FAQ ACCORDION
   ========================================================= */
.custom-accordion .accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm) !important;
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--surface);
}
.custom-accordion .accordion-button {
  font-weight: 700;
  font-size: 0.96rem;
  color: var(--text);
  background: transparent;
  padding: 18px 22px;
  box-shadow: none !important;
}
.custom-accordion .accordion-button:not(.collapsed) {
  background: var(--gradient-dark);
  color: var(--cyan-light);
}
.custom-accordion .accordion-button::after {
  filter: none;
}
:root[data-theme="dark"] .custom-accordion .accordion-button::after {
  filter: invert(0.55);
}
.custom-accordion .accordion-button:not(.collapsed)::after {
  filter: invert(1) sepia(1) saturate(5) hue-rotate(10deg) brightness(1.2);
}
.custom-accordion .accordion-button:focus { box-shadow: none; }
.custom-accordion .accordion-body {
  font-size: 0.9rem;
  color: var(--text-muted);
  padding: 18px 22px;
  background: var(--surface-2);
}

/* =========================================================
   TESTIMONIALS
   ========================================================= */
.testimonials-section { background: var(--bg-2); }
.testimonial-slider { overflow: hidden; }
.testimonial-track {
  display: flex;
  gap: 24px;
  transition: transform 0.5s cubic-bezier(0.22, 1, 0.36, 1);
}
.testimonial-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
  min-width: calc(33.333% - 16px);
  box-shadow: var(--shadow-card);
  backdrop-filter: blur(10px);
}
.testimonial-card .stars { color: var(--cyan); letter-spacing: 3px; margin-bottom: 14px; }
.testimonial-card p { color: var(--text); font-size: 0.96rem; font-style: italic; margin-bottom: 22px; min-height: 96px; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-author strong { display: block; font-size: 0.92rem; color: var(--text); }
.testimonial-author span { font-size: 0.78rem; color: var(--text-muted); }

.testimonial-controls { display: flex; align-items: center; justify-content: center; gap: 20px; margin-top: 30px; }
.testimonial-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s var(--ease);
}
.testimonial-btn:hover { background: var(--gradient-primary); border-color: transparent; color: var(--navy); }
.testimonial-dots { display: flex; gap: 8px; }
.testimonial-dots .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--border-strong); cursor: pointer; transition: all 0.25s var(--ease); }
.testimonial-dots .dot.active { background: var(--cyan); width: 26px; border-radius: 6px; box-shadow: 0 0 8px rgba(244,196,48,0.6); }

@media (max-width: 991px) { .testimonial-card { min-width: calc(50% - 12px); } }
@media (max-width: 575px) { .testimonial-card { min-width: 100%; } }

/* =========================================================
   NEWS SECTION
   ========================================================= */
.news-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-card);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
}
.news-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-glow); }
.news-image {
  height: 190px;
  position: relative;
  background: var(--gradient-dark);
}
.news-image.news-1 { background: linear-gradient(135deg, #0D1626, #060B14 70%); }
.news-image.news-2 { background: linear-gradient(135deg, #14231f, #060B14 70%); }
.news-image.news-3 { background: linear-gradient(135deg, #171130, #060B14 70%); }
.news-category {
  position: absolute;
  bottom: 14px;
  left: 14px;
  background: var(--gradient-primary);
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
}
.news-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.news-date { font-size: 0.75rem; color: var(--text-dim); margin-bottom: 10px; display: block; font-family: var(--font-mono); }
.news-body h4 { font-size: 1.05rem; margin-bottom: 10px; color: var(--text); }
.news-body p { color: var(--text-muted); font-size: 0.9rem; flex: 1; }
.news-link { color: var(--cyan-light); font-weight: 700; font-size: 0.88rem; }

/* =========================================================
   FINAL CTA
   ========================================================= */
.final-cta { padding: 30px 0 100px; }
.final-cta-box {
  background: var(--gradient-dark);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 70px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta-box::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 30%, rgba(244,196,48,0.18), transparent 60%),
              radial-gradient(circle at 70% 70%, rgba(166,124,10,0.16), transparent 60%);
}
.final-cta-box h2 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.4rem); max-width: 700px; margin: 0 auto 16px; position: relative; z-index: 1; }
.final-cta-box p { color: rgba(255,255,255,0.7); max-width: 550px; margin: 0 auto 32px; position: relative; z-index: 1; }
.final-cta-box .btn { position: relative; z-index: 1; }

/* =========================================================
   FOOTER
   ========================================================= */
.site-footer { background: var(--bg-1); color: var(--text-muted); padding: 80px 0 0; border-top: 1px solid var(--border); }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid var(--border);
}
.footer-brand p { font-size: 0.88rem; margin: 16px 0 20px; line-height: 1.7; }
.footer-logo { margin-bottom: 10px; display: inline-block; }
.footer-logo-img { height: 130px; width: auto; object-fit: contain; }
.social-icons { display: flex; gap: 10px; }
.social-icons a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.25s var(--ease);
}
.social-icons a:hover { background: var(--gradient-primary); color: var(--navy); border-color: transparent; transform: translateY(-4px); }

.footer-col h5 { color: var(--text); font-size: 1rem; margin-bottom: 20px; font-family: var(--font-heading); }
.footer-col ul li { margin-bottom: 12px; font-size: 0.9rem; }
.footer-col ul li a:hover { color: var(--cyan-light); }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; }
.footer-contact i { color: var(--cyan-light); margin-top: 3px; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  padding: 26px 0;
  font-size: 0.82rem;
}
.footer-disclaimer { max-width: 480px; text-align: right; opacity: 0.7; }

@media (max-width: 991px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 575px) {
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-disclaimer { text-align: center; }
}

/* =========================================================
   BACK TO TOP
   ========================================================= */
#backToTop {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: none;
  background: var(--gradient-primary);
  color: var(--navy);
  font-size: 1.2rem;
  box-shadow: var(--shadow-glow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(15px);
  transition: all 0.3s var(--ease);
  z-index: 900;
}
#backToTop.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#backToTop:hover { transform: translateY(-4px); }

/* =========================================================
   SCROLL ANIMATIONS
   ========================================================= */
[data-anim] { opacity: 0; transition: opacity 0.8s ease, transform 0.8s cubic-bezier(0.22, 1, 0.36, 1); }
[data-anim="fade-up"] { transform: translateY(40px); }
[data-anim="slide-left"] { transform: translateX(60px); }
[data-anim="slide-right"] { transform: translateX(-60px); }
[data-anim].in-view { opacity: 1; transform: translate(0, 0); }

/* =========================================================
   RESPONSIVE TWEAKS
   ========================================================= */
@media (max-width: 575px) {
  .hero-section { padding: 96px 0 40px; }
  .hero-features { grid-template-columns: 1fr; }
  .calc-results { grid-template-columns: 1fr; }
  .best-offer-figures { gap: 14px; }
}