/* ============================================================
   RicsReserve — Professional Financial Advisory
   Color palette: #0d0d0d (black) | #ffffff (white) | #c41230 (red)
   ============================================================ */

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

:root {
  --black:      #0d0d0d;
  --black-alt:  #1a1a1a;
  --black-soft: #2a2a2a;
  --white:      #ffffff;
  --off-white:  #f5f5f5;
  --grey-light: #e8e8e8;
  --grey-mid:   #9e9e9e;
  --red:        #c41230;
  --red-dark:   #9e0e26;
  --red-light:  #e8192f;
  --font-serif: 'Georgia', 'Times New Roman', serif;
  --font-sans:  'Inter', 'Helvetica Neue', Arial, sans-serif;
  --transition: 0.25s ease;
  --shadow-sm:  0 2px 8px rgba(0,0,0,0.12);
  --shadow-md:  0 6px 24px rgba(0,0,0,0.18);
  --shadow-lg:  0 16px 48px rgba(0,0,0,0.28);
  --radius:     4px;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--black);
  line-height: 1.6;
  overflow-x: hidden;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  line-height: 1.2;
  font-weight: 700;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-family: var(--font-sans); font-weight: 600; }

p { line-height: 1.75; color: var(--black-soft); }

a { color: inherit; text-decoration: none; }

/* ---------- Utilities ---------- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 100px 0; }
.section--dark { background: var(--black); color: var(--white); }
.section--dark p { color: var(--grey-light); }
.section--grey { background: var(--off-white); }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 14px;
}

.section-title {
  margin-bottom: 16px;
}

.section-intro {
  font-size: 1.1rem;
  max-width: 680px;
  margin-bottom: 56px;
  color: var(--grey-mid);
}

.section--dark .section-intro { color: var(--grey-light); }

.divider {
  width: 48px;
  height: 3px;
  background: var(--red);
  margin: 16px 0 32px;
}

.text-center { text-align: center; }
.text-center .divider { margin: 16px auto 32px; }
.text-center .section-intro { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn-primary {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-primary:hover {
  background: var(--red-dark);
  border-color: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.08);
}

.btn-outline-dark {
  background: transparent;
  color: var(--black);
  border-color: var(--black);
}
.btn-outline-dark:hover {
  background: var(--black);
  color: var(--white);
}

/* ---------- Navigation ---------- */
#navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(13, 13, 13, 0.97);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
}

.nav-logo-mark {
  width: 42px;
  height: 42px;
  background: transparent;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.nav-logo-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.nav-logo-text {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
}

.nav-logo-text span { color: var(--red); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
}

.nav-links a {
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  transition: color var(--transition);
}

.nav-links a:hover { color: var(--white); }

.nav-cta {
  background: var(--red);
  color: var(--white) !important;
  padding: 10px 22px;
  border-radius: var(--radius);
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--red-dark); color: var(--white) !important; }

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: var(--transition);
}

/* ---------- Hero ---------- */
#hero {
  background: var(--black);
  padding: 160px 0 100px;
  position: relative;
  overflow: hidden;
  min-height: 100vh;
  display: flex;
  align-items: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 800px 600px at 70% 50%, rgba(196, 18, 48, 0.08) 0%, transparent 70%),
    radial-gradient(ellipse 600px 400px at 20% 80%, rgba(196, 18, 48, 0.05) 0%, transparent 60%);
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 80px 80px;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 780px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(196,18,48,0.15);
  border: 1px solid rgba(196,18,48,0.35);
  color: #ff6b7a;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 28px;
}

.hero-badge-dot {
  width: 6px;
  height: 6px;
  background: var(--red-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.8); }
}

.hero-title {
  color: var(--white);
  margin-bottom: 24px;
  font-size: clamp(2.4rem, 5vw, 4rem);
}

.hero-title .accent { color: var(--red); }

.hero-subtitle {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 40px;
  max-width: 600px;
  line-height: 1.75;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  gap: 48px;
  padding-top: 48px;
  border-top: 1px solid rgba(255,255,255,0.1);
  flex-wrap: wrap;
}

.hero-stat-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  font-family: var(--font-sans);
  display: block;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  display: block;
  margin-top: 2px;
}

/* ---------- Credentials Strip ---------- */
#credentials {
  background: var(--red);
  padding: 20px 0;
}

.credentials-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.credential-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 32px;
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.credential-divider {
  width: 1px;
  height: 24px;
  background: rgba(255,255,255,0.3);
}

.credential-icon {
  width: 20px;
  height: 20px;
  opacity: 0.9;
}

/* ---------- Services ---------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2px;
  background: var(--grey-light);
}

.service-card {
  background: var(--white);
  padding: 48px 36px;
  position: relative;
  transition: var(--transition);
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}

.service-card:hover::before { transform: scaleX(1); }

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  z-index: 1;
}

.service-icon {
  width: 52px;
  height: 52px;
  background: rgba(196,18,48,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--red);
}

.service-icon svg { width: 26px; height: 26px; }

.service-card h3 {
  margin-bottom: 12px;
  font-size: 1.2rem;
}

.service-link {
  color: var(--black);
  text-decoration: none;
}

.service-link:hover {
  color: var(--red);
}

.service-tool-link {
  display: inline-block;
  margin-top: 10px;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.service-tool-link:hover {
  color: var(--red-dark);
}

.service-card p {
  font-size: 0.9rem;
  margin-bottom: 24px;
  color: var(--grey-mid);
}

.service-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: var(--off-white);
  color: var(--black-soft);
  padding: 4px 10px;
  border-radius: 2px;
  margin-right: 6px;
  margin-bottom: 4px;
}

/* ---------- Calculator Section ---------- */
#calculator-demo {
  background: var(--black);
  padding: 100px 0;
}

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.calc-intro .section-label { color: #ff6b7a; }
.calc-intro .section-title { color: var(--white); }
.calc-intro p { color: rgba(255,255,255,0.6); }
.calc-intro .divider { background: var(--red); }

.calc-card {
  background: var(--black-alt);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 8px;
  padding: 36px;
}

.calc-card h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-family: var(--font-sans);
  font-weight: 600;
  letter-spacing: 0.02em;
}

.calc-field {
  margin-bottom: 20px;
}

.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 8px;
  font-weight: 500;
}

.calc-field label span {
  font-weight: 700;
  color: var(--white);
  font-size: 0.88rem;
}

.calc-field input[type="range"] {
  width: 100%;
  height: 4px;
  -webkit-appearance: none;
  background: rgba(255,255,255,0.12);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
}

.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  background: var(--red);
  border-radius: 50%;
  cursor: pointer;
  transition: transform 0.15s;
}

.calc-field input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.calc-results {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

.calc-result-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}

.calc-result-value {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
}

.calc-result-value.highlight { color: #4ade80; }
.calc-result-value.warn { color: #f87171; }

.calc-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.3);
  margin-top: 16px;
  line-height: 1.5;
}

.calc-btn {
  width: 100%;
  justify-content: center;
  margin-top: 20px;
}

/* ---------- Excel Toolkit ---------- */
.excel-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.excel-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  padding: 28px;
  border-radius: 6px;
  transition: var(--transition);
}

.excel-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.excel-card h3 {
  margin-bottom: 8px;
  font-size: 1.05rem;
}

.excel-card p {
  margin-bottom: 14px;
  font-size: 0.9rem;
}

.excel-actions {
  margin-top: 32px;
  text-align: center;
}

.excel-note {
  margin-top: 10px;
  font-size: 0.82rem;
  color: var(--grey-mid);
}

/* ---------- Pricing & Account ---------- */
.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-bottom: 22px;
}

.pricing-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 8px;
  padding: 24px;
}

.pricing-card--featured {
  border: 2px solid var(--red);
  box-shadow: var(--shadow-sm);
}

.price-tag {
  font-size: 2rem;
  font-weight: 800;
  color: var(--black);
  margin: 10px 0 16px;
}

.price-tag span {
  font-size: 0.95rem;
  color: var(--grey-mid);
  font-weight: 500;
}

.pricing-list {
  margin: 0 0 18px;
  padding-left: 18px;
  color: var(--black-soft);
}

.pricing-list li {
  margin-bottom: 8px;
}

.account-grid {
  margin-top: 18px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.account-card {
  background: var(--off-white);
  border: 1px solid var(--grey-light);
  border-radius: 8px;
  padding: 18px;
}

.billing-status {
  margin-top: 10px;
  font-size: 0.84rem;
  color: var(--grey-mid);
}

.billing-status.positive {
  color: #0f7f3c;
}

.billing-status.warn {
  color: #a23b06;
}

/* ---------- Tool Access ---------- */
.tool-access-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.tool-access-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 6px;
  padding: 24px;
}

.tool-access-card h3 {
  margin-bottom: 8px;
  font-size: 1.1rem;
}

.tool-access-card p {
  margin-bottom: 16px;
  font-size: 0.9rem;
}

.tool-form {
  margin-bottom: 12px;
}

.tool-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px 14px;
}

.tool-form .form-field {
  margin-bottom: 0;
}

.tool-form .form-field label {
  font-size: 0.74rem;
}

.tool-form .form-field input,
.tool-form .form-field select,
.tool-form .form-field textarea {
  font-size: 0.86rem;
  padding: 10px 12px;
}

.field-hint {
  display: block;
  font-size: 0.75rem;
  color: #6b7280;
  margin-top: 4px;
  line-height: 1.4;
}

.form-error {
  color: #dc2626;
  font-size: 0.82rem;
  margin: 6px 0 10px;
  font-weight: 500;
}

.tool-summary {
  font-size: 0.84rem;
  color: var(--black-soft);
  margin: 8px 0 10px;
  line-height: 1.45;
}

.tool-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 14px;
}

.tool-actions .btn {
  padding: 10px 16px;
  font-size: 0.78rem;
}

.tool-output {
  background: #fbfbfc;
  color: var(--black);
  border: 1px solid #e3e5ea;
  border-radius: 6px;
  padding: 14px;
  min-height: 138px;
  font-size: 0.9rem;
  line-height: 1.5;
}

.tool-output.is-loading {
  color: var(--grey-mid);
}

.tool-output.is-error {
  border-color: #f2b4be;
  background: #fff5f7;
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.result-card {
  border: 1px solid #e4e6ec;
  background: var(--white);
  border-radius: 6px;
  padding: 10px 12px;
}

.result-label {
  display: block;
  font-size: 0.73rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey-mid);
  margin-bottom: 4px;
}

.result-value {
  display: block;
  font-size: 1.03rem;
  color: var(--black);
  font-weight: 700;
  line-height: 1.35;
}

.result-value.positive {
  color: #0f7f3c;
}

.result-value.caution {
  color: #a23b06;
}

.result-value.negative {
  color: #9e0e26;
}

.result-insight {
  margin-top: 12px;
  padding: 10px 12px;
  border-left: 3px solid var(--red);
  background: #fff4f6;
  color: #5d1522;
  border-radius: 4px;
  font-size: 0.86rem;
}

.result-technical {
  margin-top: 12px;
}

.result-technical > summary {
  cursor: pointer;
  font-size: 0.8rem;
  color: var(--black-soft);
  font-weight: 600;
}

.result-technical pre {
  margin-top: 8px;
  background: #111319;
  color: #eceff4;
  border: 1px solid #1f2530;
  border-radius: 6px;
  padding: 12px;
  max-height: 240px;
  overflow: auto;
  font-size: 0.76rem;
  line-height: 1.45;
  white-space: pre-wrap;
  word-break: break-word;
}

.tool-access-card code {
  background: var(--off-white);
  border: 1px solid var(--grey-light);
  padding: 2px 6px;
  border-radius: 4px;
}

.dynamic-loan-list {
  display: grid;
  gap: 8px;
  margin: 10px 0 12px;
}

.loan-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 0.8fr 0.9fr;
  gap: 8px;
}

.loan-row input {
  padding: 10px;
  border: 1px solid #d3d6df;
  border-radius: 4px;
  font-size: 0.84rem;
}

/* ---------- Why RicsReserve ---------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.why-item {
  padding: 32px;
  border: 1px solid var(--grey-light);
  border-radius: 4px;
  transition: var(--transition);
}

.why-item:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
}

.why-number {
  font-size: 3rem;
  font-weight: 900;
  color: rgba(196,18,48,0.12);
  font-family: var(--font-sans);
  line-height: 1;
  margin-bottom: 16px;
}

.why-item h3 {
  font-size: 1.1rem;
  margin-bottom: 10px;
}

.why-item p { font-size: 0.9rem; }

/* ---------- About ---------- */
.about-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-img-wrap {
  position: relative;
}

.about-img-box {
  background: var(--black-soft);
  height: 480px;
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  position: relative;
  overflow: hidden;
}

.about-img-box::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(196,18,48,0.15) 0%, transparent 60%);
}

.about-logo-photo {
  width: 72%;
  max-width: 320px;
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.18);
  box-shadow: var(--shadow-md);
  background: #f3f3f3;
  position: relative;
  z-index: 1;
}

.about-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--red);
  color: var(--white);
  padding: 20px 24px;
  border-radius: 4px;
  text-align: center;
  box-shadow: var(--shadow-md);
}

.about-badge-num {
  font-size: 2rem;
  font-weight: 900;
  display: block;
  font-family: var(--font-sans);
}

.about-badge-text {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.85;
}

.about-content .divider { margin: 12px 0 28px; }

.credentials-list {
  list-style: none;
  margin: 28px 0;
}

.credentials-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--grey-light);
  font-size: 0.9rem;
}

.cred-badge {
  min-width: 64px;
  text-align: center;
  background: var(--black);
  color: var(--white);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  padding: 4px 8px;
  border-radius: 2px;
  text-transform: uppercase;
}

/* ---------- Process Steps ---------- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(12.5% + 20px);
  right: calc(12.5% + 20px);
  height: 1px;
  background: var(--grey-light);
}

.process-step {
  padding: 0 24px;
  text-align: center;
}

.step-num {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  font-size: 1.4rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  position: relative;
  z-index: 1;
  font-family: var(--font-sans);
  transition: var(--transition);
}

.process-step:hover .step-num {
  background: var(--red);
}

.process-step h4 {
  font-size: 0.95rem;
  margin-bottom: 8px;
}

.process-step p {
  font-size: 0.85rem;
  color: var(--grey-mid);
}

/* ---------- Testimonials ---------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--off-white);
  padding: 36px;
  border-radius: 4px;
  position: relative;
}

.testimonial-card::before {
  content: '\201C';
  font-size: 4rem;
  color: var(--red);
  opacity: 0.3;
  font-family: var(--font-serif);
  line-height: 1;
  display: block;
  margin-bottom: -8px;
}

.testimonial-text {
  font-size: 0.92rem;
  color: var(--black-soft);
  margin-bottom: 24px;
  font-style: italic;
  line-height: 1.7;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--black);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
}

.testimonial-name {
  font-weight: 700;
  font-size: 0.88rem;
  display: block;
}

.testimonial-title {
  font-size: 0.78rem;
  color: var(--grey-mid);
}

.stars {
  color: var(--red);
  font-size: 0.9rem;
  margin-bottom: 12px;
}

/* ---------- CTA Section ---------- */
#cta {
  background: var(--red);
  padding: 100px 0;
}

.cta-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 48px;
}

.cta-text h2 {
  color: var(--white);
  margin-bottom: 12px;
}

.cta-text p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
}

.cta-actions {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}

.btn-white {
  background: var(--white);
  color: var(--red);
  border-color: var(--white);
  font-weight: 700;
}
.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline-white:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.1);
}

/* ---------- Contact ---------- */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 10px;
  padding: 36px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
}

.contact-info h3 {
  margin-bottom: 12px;
}

.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 24px;
}

.contact-detail-icon {
  width: 40px;
  height: 40px;
  background: rgba(196,18,48,0.08);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  flex-shrink: 0;
}

.contact-detail-text strong {
  display: block;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 2px;
}

.contact-detail-text span {
  font-size: 0.9rem;
  color: var(--grey-mid);
}

.form-field {
  margin-bottom: 20px;
}

.form-field label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
  color: var(--black-soft);
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1px solid var(--grey-light);
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--black);
  transition: border-color var(--transition);
  outline: none;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(196,18,48,0.08);
}

.form-field textarea { resize: vertical; min-height: 120px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-submit { width: 100%; justify-content: center; }

.form-success {
  display: none;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  color: #166534;
  padding: 16px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  text-align: center;
  margin-top: 16px;
}

/* ---------- Footer ---------- */
#footer {
  background: var(--black);
  color: var(--white);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .nav-logo { margin-bottom: 16px; }

.footer-brand p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
  max-width: 280px;
}

.footer-col h5 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 20px;
  font-family: var(--font-sans);
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li {
  margin-bottom: 10px;
}

.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  padding: 24px 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-items: start;
}

.footer-copy {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.3);
}

.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.25);
  line-height: 1.6;
  text-align: right;
}

/* ---------- Scroll Animations ---------- */
.fade-up {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

body.has-js .fade-up {
  opacity: 0;
  transform: translateY(30px);
}

body.has-js .fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- Loading overlay for calc ---------- */
.calc-loading {
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
  color: rgba(255,255,255,0.4);
  font-size: 0.85rem;
  gap: 10px;
}

.spinner {
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255,255,255,0.1);
  border-top-color: var(--red);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ---------- Mobile Nav ---------- */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--black);
    padding: 24px;
    gap: 20px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  .nav-cta { width: fit-content; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .calc-layout { grid-template-columns: 1fr; gap: 48px; }
  .about-layout { grid-template-columns: 1fr; }
  .about-img-wrap { display: none; }
  .cta-inner { grid-template-columns: 1fr; }
  .cta-actions { flex-wrap: wrap; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-bottom { grid-template-columns: 1fr; }
  .footer-disclaimer { text-align: left; }
}

@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .why-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr 1fr; }
  .process-steps::before { display: none; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .excel-grid { grid-template-columns: 1fr; }
  .tool-access-grid { grid-template-columns: 1fr; }
  .tool-form-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .account-grid { grid-template-columns: 1fr; }
  .loan-row { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .contact-card { padding: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .credentials-inner { gap: 0; justify-content: flex-start; overflow-x: auto; }
}

@media (max-width: 540px) {
  .process-steps { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
}

/* ============================================================
   TOOLTIPS & HELP TEXT
   ============================================================ */

.help-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  margin-left: 6px;
  background: var(--red);
  color: var(--white);
  border-radius: 50%;
  font-size: 0.75rem;
  font-weight: 700;
  cursor: pointer;
  position: relative;
}

.help-icon:hover {
  background: var(--red-dark);
}

.help-icon::after {
  content: attr(data-tip);
  position: absolute;
  left: 50%;
  bottom: calc(100% + 10px);
  transform: translateX(-50%) translateY(4px);
  opacity: 0;
  pointer-events: none;
  width: min(280px, 70vw);
  background: #111111;
  color: #ffffff;
  border: 1px solid rgba(196, 18, 48, 0.7);
  border-radius: 6px;
  padding: 8px 10px;
  font-size: 0.76rem;
  line-height: 1.35;
  font-weight: 500;
  z-index: 30;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.help-icon::before {
  content: "";
  position: absolute;
  left: 50%;
  bottom: calc(100% + 4px);
  transform: translateX(-50%) translateY(4px);
  opacity: 0;
  pointer-events: none;
  width: 8px;
  height: 8px;
  background: #111111;
  border-right: 1px solid rgba(196, 18, 48, 0.7);
  border-bottom: 1px solid rgba(196, 18, 48, 0.7);
  rotate: 45deg;
  z-index: 29;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.help-icon:hover::after,
.help-icon:hover::before,
.help-icon:focus-visible::after,
.help-icon:focus-visible::before,
.help-icon.is-active::after,
.help-icon.is-active::before {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

.help-icon:focus-visible {
  outline: 2px solid #ffffff;
  outline-offset: 2px;
}

/* Browser tooltip on hover */
.help-icon[title] {
  border-bottom: 1px dotted rgba(255, 255, 255, 0.5);
}

.help-text {
  display: block;
  font-size: 0.8rem;
  color: var(--grey-mid);
  margin-top: 4px;
  font-style: italic;
}

.calc-field {
  margin-bottom: 24px;
}

.calc-field label {
  display: flex;
  align-items: center;
  margin-bottom: 8px;
  font-weight: 500;
  font-size: 0.92rem;
}

.calc-field label span:first-of-type {
  margin-left: auto;
  color: var(--red);
  font-weight: 600;
}

/* ============================================================
   GLOSSARY SECTION
   ============================================================ */

.glossary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 32px;
  list-style: none;
}

.glossary-item {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}

.glossary-item:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.glossary-item h4 {
  color: var(--red);
  margin-bottom: 12px;
  font-size: 1rem;
}

.glossary-item p {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--black-soft);
}

.glossary-item a {
  color: var(--red);
  text-decoration: underline;
  transition: color var(--transition);
}

.glossary-item a:hover {
  color: var(--red-dark);
}