/* ============================================
   MAIN.CSS — FinanceNord Credit Platform
   Inter + Poppins — Sofinco-inspired, modernized
   ============================================ */

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

:root {
    --navy:       #0a2540;
    --navy-mid:   #163a5f;
    --blue:       #1a56db;
    --blue-light: #e8f0fe;
    --accent:     #d4a843;
    --gray-900:   #111827;
    --gray-700:   #374151;
    --gray-500:   #6b7280;
    --gray-300:   #d1d5db;
    --gray-100:   #f3f4f6;
    --gray-50:    #f9fafb;
    --white:      #ffffff;
    --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
    --shadow-md:  0 4px 20px rgba(0,0,0,0.10);
    --shadow-lg:  0 12px 40px rgba(0,0,0,0.13);
    --radius:     10px;
    --radius-lg:  16px;
    --trans:      0.25s ease;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', sans-serif;
    color: var(--gray-700);
    background: var(--white);
    line-height: 1.65;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

h1,h2,h3,h4,h5 {
    font-family: 'Poppins', sans-serif;
    color: var(--navy);
    line-height: 1.2;
}

a { color: var(--blue); text-decoration: none; transition: color var(--trans); }
a:hover { color: var(--navy); }
img { max-width: 100%; height: auto; display: block; }

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
}

/* --- BUTTONS --- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 28px;
    border-radius: 8px;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: 0.9375rem;
    cursor: pointer;
    transition: all var(--trans);
    border: 2px solid transparent;
    text-align: center;
}
.btn-primary {
    background: var(--blue);
    color: var(--white);
    border-color: var(--blue);
}
.btn-primary:hover { background: #1340b0; border-color: #1340b0; color: var(--white); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(26,86,219,0.3); }

.btn-outline {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); transform: translateY(-1px); }

.btn-white {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}
.btn-white:hover { background: var(--gray-50); transform: translateY(-1px); }

.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 9px 18px; font-size: 0.875rem; }

/* --- HEADER --- */
.site-header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.97);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: border-color var(--trans), box-shadow var(--trans);
}
.site-header.scrolled {
    border-color: var(--gray-300);
    box-shadow: var(--shadow-sm);
}

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

.logo-link { display: flex; align-items: center; gap: 10px; }
.logo-svg { height: 36px; width: auto; }
.logo-img { height: 40px; width: auto; object-fit: contain; }

.main-nav .nav-list {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
}

.nav-link {
    padding: 8px 14px;
    border-radius: 6px;
    color: var(--gray-700);
    font-size: 0.9rem;
    font-weight: 500;
    transition: all var(--trans);
}
.nav-link:hover { color: var(--blue); background: var(--blue-light); }
.nav-link.active { color: var(--blue); font-weight: 600; }

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

/* --- MOBILE NAV --- */
.menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 40px;
    height: 40px;
    border: none;
    background: none;
    cursor: pointer;
    padding: 4px;
}
.menu-toggle span {
    display: block;
    height: 3px;
    background: #000000 !important;
    border-radius: 2px;
    transition: all var(--trans);
    width: 100%;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
    position: fixed;
    top: 72px;
    left: -100%;
    right: 0;
    bottom: 0;
    width: 280px;
    background: var(--white);
    z-index: 999;
    transition: left var(--trans);
    padding: 24px;
    box-shadow: var(--shadow-lg);
}
.mobile-nav.open { left: 0; }
.mobile-nav ul { list-style: none; }
.mobile-nav ul li { border-bottom: 1px solid var(--gray-100); }
.mobile-nav ul li a {
    display: block;
    padding: 14px 4px;
    color: var(--gray-700);
    font-weight: 500;
    font-size: 1rem;
}
.mobile-nav ul li a:hover { color: var(--blue); }
.mobile-nav .mobile-cta {
    display: inline-flex;
    margin-top: 20px;
    background: var(--blue);
    color: var(--white) !important;
    padding: 13px 24px;
    border-radius: 8px;
    font-weight: 600;
}

.mobile-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.4);
    z-index: 998;
}
.mobile-overlay.open { display: block; }

/* --- SECTIONS --- */
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-bg { background: var(--gray-50); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--white); }

.section-label {
    font-size: 0.8125rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue);
    margin-bottom: 12px;
    display: block;
}

.section-header {
    max-width: 600px;
    margin-bottom: 56px;
}
.section-header.center {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
}
.section-header h2 { font-size: clamp(1.625rem, 3vw, 2.25rem); margin-bottom: 16px; }
.section-header p { color: var(--gray-500); font-size: 1.0625rem; line-height: 1.7; }

/* --- HERO --- */
.hero {
    padding: 144px 0 80px;
    background: var(--gray-50);
    overflow: hidden;
    position: relative;
}
.hero::before {
    content: '';
    position: absolute;
    top: 0; right: 0;
    width: 55%;
    height: 100%;
    background: var(--navy);
    clip-path: polygon(8% 0, 100% 0, 100% 100%, 0% 100%);
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-content { max-width: 520px; }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--blue-light);
    color: var(--blue);
    padding: 6px 14px;
    border-radius: 100px;
    font-size: 0.8125rem;
    font-weight: 600;
    margin-bottom: 24px;
}
.hero-badge svg { width: 14px; height: 14px; }

.hero-title {
    font-size: clamp(2rem, 4.5vw, 3rem);
    color: var(--navy);
    line-height: 1.15;
    margin-bottom: 20px;
}
.hero-title span { color: var(--blue); }

.hero-desc {
    font-size: 1.0625rem;
    color: var(--gray-500);
    margin-bottom: 36px;
    line-height: 1.7;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
    display: flex;
    gap: 32px;
    margin-top: 48px;
    padding-top: 40px;
    border-top: 1px solid var(--gray-300);
}
.hero-stat-val {
    font-family: 'Poppins', sans-serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--navy);
}
.hero-stat-label { font-size: 0.8125rem; color: var(--gray-500); margin-top: 2px; }

.hero-image-wrap {
    position: relative;
    display: flex;
    justify-content: center;
}
.hero-image-wrap img {
    width: 100%;
    max-width: 480px;
    height: 520px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.hero-floating-card {
    position: absolute;
    bottom: 40px;
    left: -20px;
    background: var(--white);
    border-radius: var(--radius);
    padding: 16px 20px;
    box-shadow: var(--shadow-md);
    min-width: 200px;
    animation: float 4s ease-in-out infinite;
}
.hero-floating-card-val {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--navy);
}
.hero-floating-card-lbl { font-size: 0.75rem; color: var(--gray-500); }

@keyframes float {
    0%,100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* --- TRUST BAR --- */
.trust-bar {
    background: var(--navy);
    padding: 24px 0;
}
.trust-bar-inner {
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: 24px;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,0.85);
    font-size: 0.9rem;
}
.trust-item svg { color: var(--accent); flex-shrink: 0; }

/* --- PARTNERS MARQUEE --- */
.partners-section {
    background: var(--white);
    padding: 36px 0 40px;
    border-bottom: 1px solid var(--gray-100);
}
.partners-label {
    text-align: center;
    font-size: 0.8125rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--gray-500, #94a3b8);
    margin-bottom: 24px;
}
.partners-track-wrap {
    overflow: hidden;
    width: 100%;
    -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
    mask-image: linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
}
.partners-track {
    display: flex;
    width: max-content;
}
.partners-track-inner {
    display: flex;
    align-items: center;
    gap: 56px;
    padding-right: 56px;
    animation: partners-scroll 28s linear infinite;
}
.partner-logo {
    flex-shrink: 0;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    filter: grayscale(100%) opacity(0.55);
    transition: filter var(--trans);
}
.partner-logo:hover { filter: grayscale(0%) opacity(1); }
.partner-logo img {
    height: 100%;
    width: auto;
    max-width: 130px;
    object-fit: contain;
}
@keyframes partners-scroll {
    from { transform: translateX(0); }
    to   { transform: translateX(calc(-100% - 0px)); }
}
@media (prefers-reduced-motion: reduce) {
    .partners-track-inner { animation: none; }
}
@media (max-width: 768px) {
    .partner-logo { height: 28px; }
    .partner-logo img { max-width: 96px; }
    .partners-track-inner { gap: 36px; padding-right: 36px; animation-duration: 20s; }
}

/* --- CARDS --- */
.cards-grid { display: grid; gap: 28px; }
.cards-grid-3 { grid-template-columns: repeat(3, 1fr); }
.cards-grid-4 { grid-template-columns: repeat(4, 1fr); }
.cards-grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    padding: 32px;
    transition: all var(--trans);
}
.card:hover {
    box-shadow: var(--shadow-md);
    border-color: transparent;
    transform: translateY(-3px);
}
.card-icon {
    width: 52px; height: 52px;
    background: var(--blue-light);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    color: var(--blue);
}
.card-icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 1.125rem; margin-bottom: 10px; }
.card p { color: var(--gray-500); font-size: 0.9375rem; line-height: 1.65; }

/* --- PROCESS STEPS --- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
}
.steps-grid::before {
    content: '';
    position: absolute;
    top: 28px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: var(--gray-300);
    z-index: 0;
}
.step-item {
    text-align: center;
    padding: 0 16px;
    position: relative;
    z-index: 1;
}
.step-num {
    width: 56px; height: 56px;
    background: var(--navy);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.125rem;
    margin: 0 auto 20px;
    border: 4px solid var(--white);
    box-shadow: 0 0 0 2px var(--gray-300);
}
.step-item h4 { font-size: 1rem; margin-bottom: 8px; }
.step-item p { font-size: 0.875rem; color: var(--gray-500); }

/* --- IMAGE + TEXT SPLIT --- */
.split-section {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}
.split-section.reverse { direction: rtl; }
.split-section.reverse > * { direction: ltr; }

.split-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}
.split-image img {
    width: 100%;
    height: 460px;
    object-fit: cover;
}

.split-content { }
.split-content h2 { font-size: clamp(1.5rem, 2.8vw, 2.125rem); margin-bottom: 16px; }
.split-content p { color: var(--gray-500); margin-bottom: 20px; line-height: 1.75; }

.check-list { list-style: none; margin: 24px 0; }
.check-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 8px 0;
    font-size: 0.9375rem;
    color: var(--gray-700);
}
.check-list li svg {
    flex-shrink: 0;
    color: var(--blue);
    margin-top: 2px;
}

/* --- TESTIMONIALS --- */
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.testimonial-card {
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    padding: 32px;
}
.testimonial-stars {
    display: flex;
    gap: 4px;
    margin-bottom: 16px;
}
.testimonial-stars svg { width: 18px; height: 18px; color: var(--accent); fill: var(--accent); }
.testimonial-text { color: var(--gray-700); font-size: 0.9375rem; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
    width: 44px; height: 44px;
    border-radius: 50%;
    object-fit: cover;
    background: var(--blue-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--blue);
    font-size: 1rem;
}
.testimonial-name { font-weight: 600; font-size: 0.9375rem; color: var(--navy); }
.testimonial-location { font-size: 0.8125rem; color: var(--gray-500); }

/* --- CTA BAND --- */
.cta-band {
    background: var(--navy);
    padding: 80px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-band::before {
    content: '';
    position: absolute;
    top: -60px; right: -60px;
    width: 300px; height: 300px;
    border: 2px solid rgba(255,255,255,0.06);
    border-radius: 50%;
}
.cta-band::after {
    content: '';
    position: absolute;
    bottom: -80px; left: -80px;
    width: 400px; height: 400px;
    border: 2px solid rgba(255,255,255,0.04);
    border-radius: 50%;
}
.cta-band h2 { color: var(--white); font-size: clamp(1.5rem, 3vw, 2.25rem); margin-bottom: 16px; }
.cta-band p { color: rgba(255,255,255,0.7); margin-bottom: 36px; font-size: 1.0625rem; max-width: 520px; margin-left: auto; margin-right: auto; }
.cta-band .btn-actions { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; position: relative; z-index: 1; }

/* --- FAQ --- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
    border-bottom: 1px solid var(--gray-300);
}
.faq-item:first-child { border-top: 1px solid var(--gray-300); }
.faq-toggle {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 22px 0;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    gap: 16px;
}
.faq-toggle-q { font-family: 'Poppins', sans-serif; font-weight: 600; font-size: 1rem; color: var(--navy); }
.faq-toggle-icon {
    flex-shrink: 0;
    width: 28px; height: 28px;
    border: 1.5px solid var(--gray-300);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--trans);
    color: var(--navy);
}
.faq-item.open .faq-toggle-icon {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--white);
    transform: rotate(45deg);
}
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
    color: var(--gray-500);
    font-size: 0.9375rem;
    line-height: 1.75;
}
.faq-item.open .faq-answer { max-height: 400px; padding-bottom: 22px; }

/* --- FORM STYLES --- */
.form-section { max-width: 760px; margin: 0 auto; }

.form-intro {
    background: var(--blue-light);
    border-left: 4px solid var(--blue);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 18px 24px;
    margin-bottom: 36px;
}
.form-intro p { font-size: 0.9375rem; color: var(--navy); line-height: 1.65; margin: 0; }

.form-group { margin-bottom: 22px; }
.form-group label {
    display: block;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gray-700);
    margin-bottom: 7px;
}
.form-group label span.req { color: var(--blue); }
.form-control {
    width: 100%;
    padding: 13px 16px;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius);
    font-family: 'Inter', sans-serif;
    font-size: 0.9375rem;
    color: var(--navy);
    background: var(--white);
    transition: border-color var(--trans), box-shadow var(--trans);
    -webkit-appearance: none;
}
.form-control:focus {
    outline: none;
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(26,86,219,0.1);
}
.form-control::placeholder { color: var(--gray-500); }
textarea.form-control { resize: vertical; min-height: 100px; }
select.form-control { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 44px; cursor: pointer; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.radio-group { display: flex; gap: 20px; }
.radio-label {
    display: flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--gray-700);
    padding: 12px 20px;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius);
    transition: all var(--trans);
    flex: 1;
}
.radio-label input { display: none; }
.radio-label.selected { border-color: var(--blue); background: var(--blue-light); color: var(--blue); }
.radio-dot {
    width: 18px; height: 18px;
    border: 2px solid var(--gray-300);
    border-radius: 50%;
    transition: all var(--trans);
    flex-shrink: 0;
}
.radio-label.selected .radio-dot { border-color: var(--blue); background: var(--blue); }

.form-submit-area { margin-top: 32px; text-align: center; }
.form-disclaimer { font-size: 0.8125rem; color: var(--gray-500); margin-top: 12px; }

/* --- PAGE HERO (inner pages) --- */
.page-hero {
    padding: 120px 0 60px;
    background: var(--navy);
    text-align: center;
}
.page-hero h1 { color: var(--white); font-size: clamp(1.75rem, 4vw, 2.75rem); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.0625rem; max-width: 560px; margin: 0 auto; }
.breadcrumb { display: flex; justify-content: center; gap: 8px; margin-bottom: 20px; font-size: 0.8125rem; color: rgba(255,255,255,0.5); }
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--white); }

/* --- TEAM GRID --- */
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.team-card { text-align: center; }
.team-card img {
    width: 100%;
    height: 300px;
    object-fit: cover;
    object-position: top;
    border-radius: var(--radius-lg);
    margin-bottom: 20px;
    filter: grayscale(10%);
    transition: filter var(--trans);
}
.team-card:hover img { filter: grayscale(0%); }
.team-card h4 { font-size: 1.0625rem; margin-bottom: 4px; }
.team-card p { font-size: 0.875rem; color: var(--gray-500); }

/* --- NUMBERS --- */
.numbers-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 32px;
    text-align: center;
}
.number-val {
    font-family: 'Poppins', sans-serif;
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--blue);
    display: block;
    line-height: 1;
    margin-bottom: 8px;
}
.number-label { font-size: 0.9375rem; color: var(--gray-500); }

/* --- SUCCESS MESSAGE --- */
.success-box {
    background: #f0fdf4;
    border: 1.5px solid #86efac;
    border-radius: var(--radius-lg);
    padding: 40px;
    text-align: center;
    max-width: 560px;
    margin: 0 auto;
}
.success-box svg { width: 56px; height: 56px; color: #16a34a; margin: 0 auto 16px; }
.success-box h3 { font-size: 1.375rem; color: var(--navy); margin-bottom: 10px; }
.success-box p { color: var(--gray-500); font-size: 0.9375rem; }

/* --- ADMIN BADGE --- */
.admin-bar {
    background: var(--navy);
    padding: 8px 0;
    text-align: center;
    font-size: 0.8125rem;
    color: rgba(255,255,255,0.7);
}

/* --- CHAT BUBBLE --- */
.chat-bubble-wrap {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 9999;
}

.chat-trigger {
    width: 60px; height: 60px;
    border-radius: 50%;
    background: var(--navy);
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 6px 24px rgba(10,37,64,0.35);
    transition: all var(--trans);
    position: relative;
}
.chat-trigger:hover { transform: scale(1.07); }
.chat-trigger svg { width: 26px; height: 26px; color: var(--white); }
.chat-icon-close { display: none; }
.chat-trigger.active .chat-icon-open { display: none; }
.chat-trigger.active .chat-icon-close { display: block; }

.chat-badge {
    position: absolute;
    top: -4px; right: -4px;
    width: 20px; height: 20px;
    background: #e53935;
    color: var(--white);
    border-radius: 50%;
    font-size: 0.7rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.chat-window {
    position: absolute;
    bottom: 76px;
    right: 0;
    width: 340px;
    background: var(--white);
    border-radius: 16px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.18);
    overflow: hidden;
    display: none;
    flex-direction: column;
    max-height: 500px;
    border: 1px solid var(--gray-300);
}
.chat-window.open { display: flex; animation: slideUp 0.25s ease; }

@keyframes slideUp {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.chat-header {
    background: var(--navy);
    padding: 16px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.chat-header-info { display: flex; align-items: center; gap: 12px; }
.chat-avatar {
    width: 40px; height: 40px;
    background: rgba(255,255,255,0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}
.chat-avatar svg { width: 22px; height: 22px; }
.chat-name { color: var(--white); font-weight: 600; font-size: 0.9rem; }
.chat-status { color: rgba(255,255,255,0.6); font-size: 0.75rem; display: flex; align-items: center; gap: 5px; }
.dot { width: 7px; height: 7px; background: #4ade80; border-radius: 50%; display: inline-block; }
.chat-close { background: none; border: none; cursor: pointer; color: rgba(255,255,255,0.7); }
.chat-close svg { width: 18px; height: 18px; }

.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.chat-msg { max-width: 85%; }
.chat-msg.bot .chat-msg-inner,
.chat-msg p {
    background: var(--gray-100);
    border-radius: 12px 12px 12px 2px;
    padding: 11px 14px;
    font-size: 0.875rem;
    color: var(--gray-700);
    line-height: 1.55;
}
.chat-msg.user { align-self: flex-end; }
.chat-msg.user p {
    background: var(--navy);
    color: var(--white);
    border-radius: 12px 12px 2px 12px;
}

.chat-suggestions {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 4px;
}
.chat-suggest {
    font-size: 0.8rem;
    padding: 6px 12px;
    border: 1.5px solid var(--blue);
    border-radius: 100px;
    background: none;
    color: var(--blue);
    cursor: pointer;
    transition: all var(--trans);
    font-family: 'Inter', sans-serif;
}
.chat-suggest:hover { background: var(--blue); color: var(--white); }

.chat-typing p {
    display: flex;
    align-items: center;
    gap: 4px;
}
.typing-dot {
    width: 6px; height: 6px;
    background: var(--gray-500);
    border-radius: 50%;
    display: inline-block;
    animation: typing 1.2s infinite;
}
.typing-dot:nth-child(2) { animation-delay: 0.2s; }
.typing-dot:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing { 0%,80%,100%{transform:translateY(0)} 40%{transform:translateY(-5px)} }

.chat-input-area {
    display: flex;
    gap: 8px;
    padding: 12px 16px;
    border-top: 1px solid var(--gray-300);
}
#chat-input {
    flex: 1;
    padding: 10px 14px;
    border: 1.5px solid var(--gray-300);
    border-radius: 100px;
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    outline: none;
    transition: border-color var(--trans);
}
#chat-input:focus { border-color: var(--blue); }
#chat-send {
    width: 38px; height: 38px;
    background: var(--navy);
    border: none;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    flex-shrink: 0;
    transition: all var(--trans);
}
#chat-send:hover { background: var(--blue); }
#chat-send svg { width: 16px; height: 16px; color: var(--white); }

/* --- FOOTER --- */
.site-footer {
    background: var(--navy);
    color: rgba(255,255,255,0.8);
    padding: 72px 0 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 48px;
    padding-bottom: 56px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--white);
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.125rem;
    margin-bottom: 18px;
}
.footer-brand p { font-size: 0.9rem; line-height: 1.7; color: rgba(255,255,255,0.6); max-width: 280px; }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
    width: 38px; height: 38px;
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all var(--trans);
}
.footer-social a:hover { border-color: var(--white); color: var(--white); background: rgba(255,255,255,0.08); }
.footer-social svg { width: 16px; height: 16px; }

.footer-links h4, .footer-contact h4 {
    color: var(--white);
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-bottom: 20px;
    font-family: 'Inter', sans-serif;
}
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,0.6); font-size: 0.9rem; transition: color var(--trans); }
.footer-links a:hover { color: var(--white); }

.footer-contact p {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.9rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 12px;
}
.footer-contact svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }

.footer-bottom {
    padding: 24px 0;
    text-align: center;
}
.footer-bottom p { font-size: 0.8125rem; color: rgba(255,255,255,0.45); }
.footer-disclaimer { margin-top: 6px; font-size: 0.75rem; max-width: 680px; margin-left: auto; margin-right: auto; }

/* --- ANIMATIONS --- */
[data-animate] {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}
[data-animate].visible {
    opacity: 1;
    transform: translateY(0);
}
[data-delay="1"] { transition-delay: 0.1s; }
[data-delay="2"] { transition-delay: 0.2s; }
[data-delay="3"] { transition-delay: 0.3s; }
[data-delay="4"] { transition-delay: 0.4s; }

/* --- SVG ANIMATED --- */
@keyframes dashIn {
    from { stroke-dashoffset: 500; }
    to { stroke-dashoffset: 0; }
}
.svg-anim-line {
    stroke-dasharray: 500;
    stroke-dashoffset: 500;
    animation: dashIn 1.8s ease forwards;
}

/* --- RESPONSIVE --- */
@media (max-width: 1024px) {
    .cards-grid-4 { grid-template-columns: repeat(2,1fr); }
    .steps-grid { grid-template-columns: repeat(2,1fr); gap: 28px; }
    .steps-grid::before { display: none; }
    .numbers-grid { grid-template-columns: repeat(2,1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .section { padding: 56px 0; }
    .hero { padding: 110px 0 60px; }
    .hero::before { display: none; }
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-image-wrap { display: none; }
    .hero-stats { gap: 20px; flex-wrap: wrap; }
    .cards-grid-3 { grid-template-columns: 1fr; }
    .cards-grid-2 { grid-template-columns: 1fr; }
    .split-section { grid-template-columns: 1fr; gap: 32px; }
    .split-section.reverse { direction: ltr; }
    .split-image img { height: 260px; }
    .team-grid { grid-template-columns: 1fr; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .numbers-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .main-nav { display: none; }
    .menu-toggle { display: flex; }
    .header-actions .btn { display: none; }
    .form-row { grid-template-columns: 1fr; }
    .radio-group { flex-direction: column; }
    .chat-window { width: calc(100vw - 56px); right: 0; }
}

@media (max-width: 480px) {
    .numbers-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr; }
    .trust-bar-inner { flex-direction: column; gap: 16px; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; justify-content: center; }
}