:root {
  --brand-green:   #1B6B45;
  --brand-green-mid: #2A8A5C;
  --brand-green-light: #E6F3EC;
  --brand-gold:    #C89B3C;
  --brand-gold-light: #FDF6E3;
  --brand-dark:    #0F2219;
  --brand-gray:    #F4F7F5;
  --brand-text:    #1A2E22;
  --brand-muted:   #5A7265;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--brand-text);
  background: #fff;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6, .font-display {
  font-family: var(--font-display);
}

/* ── NAVBAR ── */
.navbar {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(27,107,69,0.12);
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 100;
}
.navbar-brand {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--brand-green) !important;
  font-weight: 700;
  letter-spacing: -0.5px;
}
.navbar-brand span {
  color: var(--brand-gold);
}
.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--brand-muted) !important;
  padding: 0.4rem 1rem !important;
  transition: color 0.2s;
}
.nav-link:hover { color: var(--brand-green) !important; }
.btn-nav {
  background: var(--brand-green);
  color: #fff !important;
  border-radius: 8px;
  padding: 0.45rem 1.2rem !important;
  font-size: 0.875rem;
  font-weight: 600;
  transition: background 0.2s, transform 0.15s;
}
.btn-nav:hover {
  background: var(--brand-green-mid);
  transform: translateY(-1px);
}

/* ── HERO ── */
.hero {
  background: linear-gradient(140deg, #0F2219 0%, #1B6B45 55%, #2A8A5C 100%);
  min-height: 92vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 5rem 0 4rem;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(200,155,60,0.18) 0%, transparent 50%),
    radial-gradient(circle at 10% 90%, rgba(255,255,255,0.05) 0%, transparent 40%);
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(200,155,60,0.2);
  border: 1px solid rgba(200,155,60,0.4);
  color: #F0C96A;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.35rem 0.9rem;
  border-radius: 50px;
  margin-bottom: 1.5rem;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}
.hero h1 em {
  font-style: normal;
  color: #F0C96A;
}
.hero p.lead {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  font-weight: 300;
  line-height: 1.7;
  max-width: 500px;
  margin-bottom: 2rem;
}
.hero-btns { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.btn-primary-hero {
  background: var(--brand-gold);
  color: var(--brand-dark);
  border: none;
  border-radius: 10px;
  padding: 0.75rem 1.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: background 0.2s, transform 0.15s;
  text-decoration: none;
}
.btn-primary-hero:hover {
  background: #d4a940;
  transform: translateY(-2px);
  color: var(--brand-dark);
}
.btn-outline-hero {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.4);
  border-radius: 10px;
  padding: 0.75rem 1.75rem;
  font-size: 0.95rem;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: border-color 0.2s, background 0.2s;
  text-decoration: none;
}
.btn-outline-hero:hover {
  border-color: rgba(255,255,255,0.8);
  background: rgba(255,255,255,0.08);
  color: #fff;
}

/* Hero stat pills */
.hero-stats {
  display: flex;
  gap: 1rem;
  margin-top: 3rem;
  flex-wrap: wrap;
}
.stat-pill {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 12px;
  padding: 0.65rem 1.1rem;
  color: #fff;
}
.stat-pill .num {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: #F0C96A;
  display: block;
  line-height: 1;
}
.stat-pill .lbl {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Hero visual card */
.hero-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 20px;
  padding: 1.75rem;
  backdrop-filter: blur(12px);
  max-width: 380px;
  margin: 0 auto;
}
.hero-card-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 1.25rem;
}
.hero-card-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  background: rgba(200,155,60,0.25);
  display: flex; align-items: center; justify-content: center;
  color: #F0C96A;
}
.hero-card-title { color: #fff; font-weight: 600; font-size: 0.9rem; margin: 0; }
.hero-card-sub   { color: rgba(255,255,255,0.5); font-size: 0.75rem; margin: 0; }

.mini-bar { margin-bottom: 0.75rem; }
.mini-bar-label {
  display: flex; justify-content: space-between;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 0.3rem;
}
.mini-bar-track {
  height: 6px; border-radius: 99px;
  background: rgba(255,255,255,0.1);
}
.mini-bar-fill {
  height: 100%; border-radius: 99px;
  background: linear-gradient(90deg, var(--brand-gold), #F0C96A);
}
.hero-card-divider {
  border: none; border-top: 1px solid rgba(255,255,255,0.1);
  margin: 1rem 0;
}
.hero-card-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 0.5rem;
}
.hero-card-row strong { color: #fff; font-weight: 600; }
.badge-green {
  background: rgba(42,138,92,0.3);
  color: #7FDDAA;
  font-size: 0.7rem;
  padding: 2px 8px;
  border-radius: 99px;
  font-weight: 500;
}

/* ── TRUST STRIP ── */
.trust-strip {
  background: var(--brand-dark);
  padding: 1.25rem 0;
}
.trust-strip-inner {
  display: flex; align-items: center; gap: 2rem;
  flex-wrap: wrap; justify-content: center;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.55);
  font-size: 0.82rem;
  font-weight: 500;
}
.trust-item i { color: var(--brand-gold); }

/* ── SECTIONS ── */
section { padding: 5rem 0; }
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brand-green);
  margin-bottom: 0.75rem;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--brand-text);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.section-sub {
  color: var(--brand-muted);
  font-size: 1rem;
  font-weight: 300;
  line-height: 1.7;
  max-width: 540px;
}

/* ── FEATURES ── */
.features { background: var(--brand-gray); }
.feature-card {
  background: #fff;
  border: 1px solid rgba(27,107,69,0.1);
  border-radius: 16px;
  padding: 1.75rem;
  height: 100%;
  transition: transform 0.2s, box-shadow 0.2s;
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(27,107,69,0.1);
}
.feat-icon {
  width: 48px; height: 48px;
  border-radius: 14px;
  background: var(--brand-green-light);
  display: flex; align-items: center; justify-content: center;
  color: var(--brand-green);
  margin-bottom: 1.1rem;
}
.feature-card h5 {
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 0.5rem;
  color: var(--brand-text);
}
.feature-card p {
  font-size: 0.875rem;
  color: var(--brand-muted);
  margin: 0;
  line-height: 1.6;
}

/* ── HOW IT WORKS ── */
.hiw-step {
  display: flex; gap: 1.25rem; align-items: flex-start;
  margin-bottom: 2.25rem;
}
.hiw-num {
  width: 44px; height: 44px; flex-shrink: 0;
  border-radius: 50%;
  background: var(--brand-green);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.hiw-body h6 {
  font-weight: 600;
  font-size: 0.975rem;
  margin-bottom: 0.3rem;
}
.hiw-body p {
  font-size: 0.85rem;
  color: var(--brand-muted);
  margin: 0;
  line-height: 1.6;
}

/* Dashboard mockup */
.dashboard-mock {
  background: #fff;
  border: 1px solid rgba(0,0,0,0.09);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.1);
}
.mock-topbar {
  background: var(--brand-dark);
  padding: 0.75rem 1.25rem;
  display: flex; align-items: center; gap: 0.5rem;
}
.mock-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
}
.mock-body { padding: 1.25rem; }
.mock-stat {
  background: var(--brand-gray);
  border-radius: 12px;
  padding: 0.85rem 1rem;
  text-align: center;
}
.mock-stat .ms-num {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--brand-green);
}
.mock-stat .ms-lbl {
  font-size: 0.7rem;
  color: var(--brand-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.mock-table { width: 100%; font-size: 0.78rem; margin-top: 1rem; }
.mock-table th {
  color: var(--brand-muted);
  font-weight: 600;
  padding: 0.4rem 0.5rem;
  border-bottom: 1px solid #eee;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.mock-table td {
  padding: 0.55rem 0.5rem;
  border-bottom: 1px solid #f5f5f5;
  color: var(--brand-text);
}
.badge-paid { background: #E6F3EC; color: var(--brand-green); font-size: 0.68rem; padding: 2px 8px; border-radius: 99px; font-weight: 600; }
.badge-pending { background: #FDF6E3; color: #9A7020; font-size: 0.68rem; padding: 2px 8px; border-radius: 99px; font-weight: 600; }

/* ── LOAN TYPES ── */
.loan-card {
  border: 1.5px solid rgba(27,107,69,0.15);
  border-radius: 16px;
  padding: 1.75rem;
  height: 100%;
  transition: border-color 0.2s, box-shadow 0.2s;
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--brand-green);
}
.loan-card.gold::before { background: var(--brand-gold); }
.loan-card:hover {
  border-color: var(--brand-green);
  box-shadow: 0 8px 24px rgba(27,107,69,0.1);
}
.loan-card h5 { font-weight: 700; font-size: 1.05rem; margin-bottom: 0.35rem; }
.loan-card .rate {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--brand-green);
  line-height: 1;
  margin-bottom: 0.2rem;
}
.loan-card.gold .rate { color: var(--brand-gold); }
.loan-card .rate-sub { font-size: 0.75rem; color: var(--brand-muted); margin-bottom: 1rem; }
.loan-feature {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.83rem;
  color: var(--brand-muted);
  margin-bottom: 0.5rem;
}
.loan-feature i { color: var(--brand-green); flex-shrink: 0; }
.loan-card.gold .loan-feature i { color: var(--brand-gold); }

/* ── TESTIMONIALS ── */
.testimonials { background: var(--brand-gray); }
.testi-card {
  background: #fff;
  border: 1px solid rgba(27,107,69,0.1);
  border-radius: 16px;
  padding: 1.75rem;
  height: 100%;
}
.testi-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--brand-green-light);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--brand-green);
}
.testi-name { font-weight: 600; font-size: 0.9rem; margin: 0; }
.testi-role { font-size: 0.75rem; color: var(--brand-muted); margin: 0; }
.testi-text {
  font-size: 0.875rem;
  color: var(--brand-muted);
  line-height: 1.7;
  margin: 1rem 0 0;
}
.stars { color: var(--brand-gold); font-size: 0.85rem; margin-bottom: 0.75rem; }

/* ── CTA ── */
.cta-section {
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand-green) 100%);
  padding: 5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 70% 30%, rgba(200,155,60,0.15) 0%, transparent 50%);
}
.cta-section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: #fff;
  margin-bottom: 1rem;
}
.cta-section p {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  max-width: 480px;
  margin: 0 auto 2rem;
  font-weight: 300;
}

/* ── FOOTER ── */
footer {
  background: var(--brand-dark);
  padding: 3.5rem 0 2rem;
  color: rgba(255,255,255,0.55);
}
footer .brand {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.5rem;
}
footer .brand span { color: var(--brand-gold); }
footer p { font-size: 0.83rem; line-height: 1.6; max-width: 260px; }
.footer-heading {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: 1rem;
}
.footer-link {
  display: block;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  margin-bottom: 0.5rem;
  transition: color 0.2s;
}
.footer-link:hover { color: #fff; }
.footer-divider {
  border-top: 1px solid rgba(255,255,255,0.07);
  margin: 2rem 0 1.25rem;
}
.footer-copy { font-size: 0.78rem; color: rgba(255,255,255,0.3); }
.social-btn {
  width: 34px; height: 34px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  display: inline-flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  margin-right: 6px;
  transition: border-color 0.2s, color 0.2s;
}
.social-btn:hover { border-color: rgba(255,255,255,0.4); color: #fff; }

/* Animations */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.6s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.22s; }
.delay-3 { animation-delay: 0.34s; }
.delay-4 { animation-delay: 0.46s; }
.delay-5 { animation-delay: 0.58s; }

/* Mobile tweaks */
@media (max-width: 768px) {
  .hero { padding: 4rem 0 3rem; min-height: auto; }
  .hero-card { margin-top: 2.5rem; }
  .hero-stats { gap: 0.6rem; }
}

/* ── BRAND UTILITIES ── */
.bg-brand-green { background-color: var(--brand-green) !important; color: white !important; }
.bg-brand-dark { background-color: var(--brand-dark) !important; color: white !important; }
.bg-brand-gray { background-color: var(--brand-gray) !important; }
.bg-brand-light { background-color: var(--brand-green-light) !important; }
.text-brand-green { color: var(--brand-green) !important; }
.text-brand-gold { color: var(--brand-gold) !important; }

.btn-brand-green {
  background-color: var(--brand-green);
  color: white;
  border: none;
  font-weight: 500;
  transition: all 0.2s;
}
.btn-brand-green:hover {
  background-color: var(--brand-green-mid);
  color: white;
  transform: translateY(-1px);
}

.btn-brand-gold {
  background-color: var(--brand-gold);
  color: var(--brand-dark);
  border: none;
  font-weight: 600;
  transition: all 0.2s;
}
.btn-brand-gold:hover {
  background-color: #d4a940;
  color: var(--brand-dark);
  transform: translateY(-1px);
}