/* ============================================================
   SHANMUKHA FINANCE — MASTER DESIGN SYSTEM
   Brand: #F5F501 Electric Yellow / #1A1A1A Near-Black / #FFFFFF White
   ============================================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800;900&family=Inter:wght@300;400;500;600&display=swap');

/* --- CSS Variables --- */
:root {
  --gold:        #F5F501;
  --gold-dark:   #D4D400;
  --gold-light:  #FFFE80;
  --black:       #0D0D0D;
  --dark:        #1A1A1A;
  --dark-2:      #232323;
  --dark-3:      #2D2D2D;
  --grey:        #6B7280;
  --grey-light:  #9CA3AF;
  --border:      #2A2A2A;
  --white:       #FFFFFF;
  --off-white:   #F9F9F9;
  --success:     #22C55E;
  --error:       #EF4444;

  --font-display: 'Montserrat', sans-serif;
  --font-body:    'Inter', sans-serif;

  --radius-sm:   6px;
  --radius:      12px;
  --radius-lg:   20px;
  --radius-xl:   32px;

  --shadow-sm:   0 2px 8px rgba(0,0,0,0.3);
  --shadow:      0 8px 32px rgba(0,0,0,0.4);
  --shadow-gold: 0 4px 24px rgba(245,200,0,0.25);

  --transition:  all 0.25s cubic-bezier(0.4,0,0.2,1);

  --max-width:   1200px;
  --section-py:  80px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  /* NOTE: overflow-x must NOT be set on html — it breaks position:sticky */
}
body {
  font-family: var(--font-body);
  background: var(--black);
  color: var(--white);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip; /* clip instead of hidden — does not break sticky */
  width: 100%;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* --- Container --- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
  background: var(--gold);
  padding: 8px 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.top-bar-text {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: var(--black);
  letter-spacing: 0.5px;
}
.top-bar-contact {
  display: flex;
  gap: 20px;
  align-items: center;
}
.top-bar-contact a {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  color: var(--black);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.top-bar-contact a:hover { opacity: 0.7; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header {
  background: var(--dark);
  border-bottom: 1px solid var(--border);
  position: -webkit-sticky;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 20px rgba(0,0,0,0.5);
  will-change: transform;
  -webkit-transform: translateZ(0);
  transform: translateZ(0);
}
.site-header.scrolled {
  box-shadow: 0 2px 32px rgba(0,0,0,0.8);
  border-bottom-color: rgba(245,200,0,0.15);
}
.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 24px;
}
.site-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.site-logo img {
  height: 54px;
  width: auto;
  display: block;
  object-fit: contain;
}
.footer-brand img {
  height: 52px;
  width: auto;
  margin-bottom: 16px;
  display: block;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-menu a {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  letter-spacing: 0.3px;
}
.nav-menu a:hover,
.nav-menu a.active {
  color: var(--gold);
  background: rgba(245,200,0,0.08);
}
.nav-dropdown {
  position: relative;
}
.nav-dropdown > a {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-dropdown > a::after {
  content: '▾';
  font-size: 10px;
}
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%; /* flush — no gap */
  left: 0;
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  min-width: 220px;
  padding: 8px;
  padding-top: 12px; /* visual breathing room without gap */
  box-shadow: var(--shadow);
  z-index: 100;
}
/* Transparent bridge fills the space between trigger and menu
   so moving the mouse downward doesn't exit the hover zone */
.nav-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: -10px;
  right: -10px;
  height: 16px;
  background: transparent;
  display: none;
}
.nav-dropdown:hover::after { display: block; }
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown.open .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 500;
  color: var(--grey-light);
  transition: var(--transition);
}
.dropdown-menu a:hover {
  color: var(--gold);
  background: rgba(245,200,0,0.08);
}
.nav-cta {
  background: var(--gold) !important;
  color: var(--black) !important;
  font-weight: 700 !important;
  padding: 10px 20px !important;
  border-radius: var(--radius-sm) !important;
}
.nav-cta:hover {
  background: var(--gold-dark) !important;
  color: var(--black) !important;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  letter-spacing: 0.4px;
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--black);
}
.btn-primary:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}
.btn-outline {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline:hover {
  background: var(--gold);
  color: var(--black);
  transform: translateY(-2px);
}
.btn-white {
  background: var(--white);
  color: var(--black);
}
.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
}
.btn-lg {
  font-size: 16px;
  padding: 16px 36px;
}
.btn-sm {
  font-size: 12px;
  padding: 10px 20px;
}

/* ============================================================
   SECTION UTILITIES
   ============================================================ */
.section {
  padding: var(--section-py) 0;
}
.section-dark { background: var(--dark); }
.section-darker { background: var(--dark-2); }
.section-black { background: var(--black); }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-eyebrow {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-title span { color: var(--gold); }
.section-subtitle {
  font-size: 16px;
  color: var(--grey-light);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}
.card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}
.card-icon {
  width: 52px;
  height: 52px;
  background: rgba(245,200,0,0.12);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 18px;
}
.card-title {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.card-text {
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.7;
}

/* Grid layouts */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--dark-2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
}
.trust-item .check {
  color: var(--gold);
  font-size: 16px;
}

/* ============================================================
   FORMS
   ============================================================ */
.form-group {
  margin-bottom: 16px;
}
.form-label {
  display: block;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: var(--grey-light);
  margin-bottom: 6px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
.form-control {
  width: 100%;
  background: var(--dark-3);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 14px;
  padding: 12px 16px;
  transition: var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(245,200,0,0.1);
}
.form-control::placeholder { color: var(--grey); }
select.form-control option { background: var(--dark-2); }
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12px;
  color: var(--grey-light);
  line-height: 1.5;
}
.form-consent input[type="checkbox"] {
  margin-top: 2px;
  accent-color: var(--gold);
  flex-shrink: 0;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* Lead Form Card */
.lead-form-card {
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow);
}
.lead-form-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 6px;
}
.lead-form-card .form-subtitle {
  font-size: 13px;
  color: var(--grey-light);
  margin-bottom: 24px;
}
.form-security {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: var(--grey);
  margin-top: 12px;
}

/* ============================================================
   PROCESS STEPS
   ============================================================ */
.steps-wrapper {
  display: flex;
  gap: 0;
  position: relative;
}
.steps-wrapper::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 28px;
  right: 28px;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step-item {
  flex: 1;
  text-align: center;
  padding: 0 12px;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--dark-3);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 800;
  color: var(--gold);
  margin: 0 auto 16px;
  transition: var(--transition);
}
.step-item:hover .step-num {
  background: var(--gold);
  color: var(--black);
  border-color: var(--gold);
}
.step-title {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.step-text {
  font-size: 12px;
  color: var(--grey-light);
  line-height: 1.5;
}

/* ============================================================
   CHECKLIST
   ============================================================ */
.checklist {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--grey-light);
}
.checklist li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  font-size: 14px;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open {
  border-color: var(--gold);
}
.faq-question {
  width: 100%;
  text-align: left;
  padding: 18px 24px;
  background: var(--dark-2);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 600;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  transition: var(--transition);
}
.faq-question:hover { color: var(--gold); }
.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
  transition: var(--transition);
}
.faq-item.open .faq-icon {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--black);
  transform: rotate(45deg);
}
.faq-answer {
  display: none;
  padding: 0 24px 18px;
  background: var(--dark-2);
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.7;
}
.faq-item.open .faq-answer { display: block; }

/* ============================================================
   BRANCH CARDS
   ============================================================ */
.branch-card {
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  transition: var(--transition);
}
.branch-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}
.branch-city {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 8px;
}
.branch-region {
  font-size: 12px;
  color: var(--grey);
  margin-bottom: 12px;
  font-weight: 500;
}
.branch-address {
  font-size: 13px;
  color: var(--grey-light);
  line-height: 1.6;
  margin-bottom: 16px;
}
.branch-links {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.branch-links a {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.branch-links a:hover {
  background: var(--gold);
  color: var(--black);
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: var(--dark);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(245,200,0,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,200,0,0.1);
  border: 1px solid rgba(245,200,0,0.2);
  border-radius: 100px;
  padding: 6px 16px;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(32px, 4.5vw, 42px);
  font-weight: 900;
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 20px;
}
.hero-title span { color: var(--gold); }
.hero-subtitle {
  font-size: 16px;
  color: var(--grey-light);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 520px;
}
.hero-benefits {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 36px;
}
.hero-benefit-tag {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(245,200,0,0.08);
  border: 1px solid rgba(245,200,0,0.15);
  border-radius: 100px;
  padding: 6px 14px;
  font-size: 13px;
  font-weight: 500;
  color: var(--white);
}
.hero-benefit-tag .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}
.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
}
.hero-note {
  font-size: 12px;
  color: var(--grey);
  margin-top: 14px;
}

/* ============================================================
   STAT STRIP
   ============================================================ */
.stat-strip {
  background: var(--gold);
  padding: 32px 0;
}
.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-num {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 900;
  color: var(--black);
  line-height: 1;
  margin-bottom: 4px;
}
.stat-label {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: rgba(0,0,0,0.6);
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-card {
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}
.testimonial-card:hover { border-color: var(--gold); }
.testimonial-stars {
  color: var(--gold);
  font-size: 16px;
  margin-bottom: 14px;
  letter-spacing: 2px;
}
.testimonial-text {
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 16px;
  color: var(--black);
  flex-shrink: 0;
}
.testimonial-name {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
}
.testimonial-city {
  font-size: 12px;
  color: var(--grey);
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: var(--dark);
  padding: 60px 0;
  border-bottom: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse at top left, rgba(245,200,0,0.05) 0%, transparent 60%);
  pointer-events: none;
}
.page-hero-eyebrow {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.page-hero-title {
  font-family: var(--font-display);
  font-size: clamp(26px, 4vw, 44px);
  font-weight: 900;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 16px;
}
.page-hero-title span { color: var(--gold); }
.page-hero-subtitle {
  font-size: 16px;
  color: var(--grey-light);
  max-width: 640px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--grey);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: var(--grey); }

/* ============================================================
   STICKY WHATSAPP BUTTON
   ============================================================ */
.wa-float {
  position: fixed;
  bottom: 90px;
  right: 24px;
  z-index: 999;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
}
.wa-float-btn {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  transition: var(--transition);
  animation: wa-pulse 2s infinite;
}
.wa-float-btn:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 28px rgba(37,211,102,0.6);
}
.wa-float-btn svg { width: 28px; height: 28px; fill: white; }
.wa-tooltip {
  background: var(--dark-2);
  border: 1px solid var(--border);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  opacity: 0;
  transform: translateX(10px);
  transition: var(--transition);
}
.wa-float:hover .wa-tooltip {
  opacity: 1;
  transform: translateX(0);
}
@keyframes wa-pulse {
  0%, 100% { box-shadow: 0 4px 20px rgba(37,211,102,0.4); }
  50%        { box-shadow: 0 4px 28px rgba(37,211,102,0.7); }
}

/* ============================================================
   STICKY CALL BAR (mobile)
   ============================================================ */
.sticky-cta-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  width: 100%;
  z-index: 998;
  background: var(--dark);
  border-top: 2px solid var(--border);
  padding: 10px 16px;
  padding-bottom: calc(10px + env(safe-area-inset-bottom));
  gap: 12px;
  box-sizing: border-box;
}
.sticky-cta-bar a {
  flex: 1;
  min-width: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  padding: 14px 8px;
  border-radius: var(--radius-sm);
  letter-spacing: 0.3px;
  white-space: nowrap;
  text-align: center;
  box-sizing: border-box;
}
.sticky-cta-bar .scb-call {
  background: var(--gold);
  color: var(--black);
}
.sticky-cta-bar .scb-call:hover { background: var(--gold-dark); }
.sticky-cta-bar .scb-enquire {
  background: transparent;
  color: var(--gold);
  border: 2px solid var(--gold);
}
.sticky-cta-bar .scb-enquire:hover {
  background: var(--gold);
  color: var(--black);
}

/* ============================================================
   MODAL
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.8);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--dark-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 480px;
  width: 100%;
  position: relative;
  text-align: center;
}
.modal-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--dark-3);
  border: 1px solid var(--border);
  color: var(--white);
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}
.modal-close:hover { border-color: var(--gold); color: var(--gold); }
.modal-icon {
  font-size: 56px;
  margin-bottom: 20px;
}
.modal-title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 10px;
}
.modal-text {
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.7;
  margin-bottom: 24px;
}
.modal-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--dark-2);
  border-top: 1px solid var(--border);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
}
.footer-brand img { height: 52px; width: auto; margin-bottom: 16px; display: block; }
.footer-brand p {
  font-size: 13px;
  color: var(--grey-light);
  line-height: 1.7;
  margin-bottom: 20px;
}
.footer-social {
  display: flex;
  gap: 10px;
}
.footer-social a {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: var(--dark-3);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: var(--grey-light);
  transition: var(--transition);
}
.footer-social a:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.footer-col h4 {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a {
  font-size: 13px;
  color: var(--grey-light);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: var(--gold); }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
}
.footer-contact-icon {
  color: var(--gold);
  font-size: 16px;
  flex-shrink: 0;
  margin-top: 2px;
}
.footer-contact-item a,
.footer-contact-item span {
  font-size: 13px;
  color: var(--grey-light);
  line-height: 1.5;
  transition: var(--transition);
}
.footer-contact-item a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: 12px;
  color: var(--grey);
}
.footer-bottom-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 20px;
  justify-content: center;
}
.footer-bottom-links a {
  font-size: 12px;
  color: var(--grey);
  transition: var(--transition);
}
.footer-bottom-links a:hover { color: var(--gold); }
.footer-disclaimer {
  padding: 20px 0;
  border-top: 1px solid var(--border);
  font-size: 11px;
  color: var(--grey);
  line-height: 1.6;
  text-align: center;
}

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px 24px;
}
.legal-content h1 {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 8px;
}
.legal-content .last-updated {
  font-size: 13px;
  color: var(--grey);
  margin-bottom: 40px;
}
.legal-content h2 {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--gold);
  margin: 36px 0 12px;
}
.legal-content h3 {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
  margin: 20px 0 8px;
}
.legal-content p {
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.8;
  margin-bottom: 14px;
}
.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 14px;
}
.legal-content ul li {
  font-size: 14px;
  color: var(--grey-light);
  line-height: 1.8;
  margin-bottom: 4px;
}

/* ============================================================
   UTILITY
   ============================================================ */
.text-gold  { color: var(--gold); }
.text-grey  { color: var(--grey-light); }
.text-center { text-align: center; }
.text-sm    { font-size: 13px; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.divider {
  height: 1px;
  background: var(--border);
  margin: 40px 0;
}
.badge-gold {
  display: inline-block;
  background: rgba(245,200,0,0.12);
  color: var(--gold);
  border: 1px solid rgba(245,200,0,0.2);
  border-radius: 100px;
  padding: 4px 14px;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.5px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-form-col { max-width: 540px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  :root { --section-py: 56px; }

  /* Prevent horizontal overflow on mobile */
  body { padding-bottom: 80px; }

  /* Nav mobile */
  .nav-menu { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--dark); border-bottom: 1px solid var(--border); padding: 16px; gap: 4px; }
  .nav-menu.open { display: flex; }
  .nav-wrapper { position: relative; }
  .hamburger { display: flex; }
  .dropdown-menu { position: static; box-shadow: none; border: none; background: var(--dark-3); margin-top: 4px; }

  /* Layouts */
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-title { font-size: 30px; }
  .steps-wrapper { flex-direction: column; }
  .steps-wrapper::before { display: none; }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .top-bar .container { flex-direction: column; text-align: center; }
  .trust-bar-inner { flex-direction: column; gap: 12px; align-items: flex-start; padding: 0 16px; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; }
  .modal-actions { flex-direction: column; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; }

  /* Inner page hero grids */
  .page-hero .container > div[style*="grid"] { display: block !important; }
  .page-hero .container > div > div + div { margin-top: 32px; }

  /* Hero grid on inner pages (branch/city) */
  [style*="grid-template-columns:1fr 420px"],
  [style*="grid-template-columns: 1fr 420px"],
  [style*="grid-template-columns:1fr 1fr"],
  [style*="grid-template-columns: 1fr 1fr"] {
    display: block !important;
  }

  /* Show sticky CTA bar on mobile */
  .sticky-cta-bar { display: flex; }

  /* Move WA float above sticky bar */
  .wa-float { bottom: 90px; right: 16px; }
}

@media (max-width: 480px) {
  .container { padding: 0 14px; }
  .lead-form-card { padding: 24px 14px; }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: 1fr; }
  .branch-links { flex-direction: column; }
  .hero-benefits { gap: 8px; }
  .hero-benefit-tag { font-size: 12px; }
  .sticky-cta-bar a { font-size: 13px; }
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-fade-up {
  animation: fadeInUp 0.6s cubic-bezier(0.4,0,0.2,1) both;
}
.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}