/*==================================================
  VARIABLES
==================================================*/

:root {
    --bg: #F8F6F2;
    --white: #FFFFFF;
    --primary: #0F4C3A;
    --primary-dark: #0A372A;
    --accent: #C7A15A;
    --heading: #1B1B1B;
    --text: #5F6773;
    --border: rgba(0, 0, 0, 0.08);
    --shadow: 0 18px 55px rgba(20, 24, 31, 0.08);
    --radius: 22px;
}

/*==================================================
  RESET
==================================================*/

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: "Inter", sans-serif;
    background: var(--bg);
    color: var(--heading);
    overflow-x: hidden;
}

a {
    text-decoration: none;
}

button {
    font-family: inherit;
}

/*==================================================
  HEADER
==================================================*/

.site-header {
    position: fixed;
    top: 22px;
    left: 0;
    width: 100%;
    z-index: 999;
    opacity: 0;
    transform: translateY(-14px);
    animation: headerIn 0.7s ease forwards;
}

.header-shell {
    height: 72px;
    padding: 0 16px 0 22px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.82);
    backdrop-filter: blur(22px);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: 0.3s ease;
}

.site-header.scrolled {
    top: 10px;
}

.site-header.scrolled .header-shell {
    height: 64px;
    background: rgba(255, 255, 255, 0.94);
}

/* Brand */

.brand-logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--heading);
    font-family: "Cormorant Garamond", serif;
    font-size: 30px;
    font-weight: 700;
    letter-spacing: -0.6px;
}

.brand-logo:hover {
    color: var(--heading);
}

.brand-mark {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--white);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}

.brand-logo img {
    height: 42px;
    width: auto;
    display: block;
}

/* Desktop Nav */

.desktop-nav {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 6px;
    border-radius: 999px;
    background: rgba(15, 76, 58, 0.05);
}

.desktop-nav a {
    padding: 10px 16px;
    border-radius: 999px;
    color: var(--text);
    font-size: 14px;
    font-weight: 700;
    transition: 0.25s ease;
}

.desktop-nav a:hover,
.desktop-nav a.active {
    color: var(--primary);
    background: var(--white);
}

/* CTA */

.header-cta {
    height: 48px;
    padding: 0 18px 0 22px;
    border-radius: 999px;
    background: var(--primary);
    color: var(--white);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 800;
    transition: 0.25s ease;
}

.header-cta i {
    font-size: 22px;
    transition: 0.25s ease;
}

.header-cta:hover {
    color: var(--white);
    background: var(--primary-dark);
    transform: translateY(-2px);
}

.header-cta:hover i {
    transform: translateX(3px);
}

/* Mobile Button */

.menu-toggle {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    border: 1px solid var(--border);
    background: var(--white);
    display: none;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    gap: 6px;
}

.menu-toggle span {
    width: 18px;
    height: 2px;
    background: var(--heading);
    transition: 0.25s ease;
}

.menu-toggle.active span:first-child {
    transform: translateY(4px) rotate(45deg);
}

.menu-toggle.active span:last-child {
    transform: translateY(-4px) rotate(-45deg);
}

/* Mobile Menu */

.mobile-menu {
    position: fixed;
    top: 102px;
    left: 5%;
    width: 90%;
    z-index: 998;
    padding: 14px;
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(20px);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    display: flex;
    flex-direction: column;
    gap: 8px;
    opacity: 0;
    transform: translateY(-10px);
    pointer-events: none;
    transition: 0.28s ease;
}

.mobile-menu.active {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
}

.mobile-menu a {
    padding: 15px 16px;
    border-radius: 16px;
    color: var(--heading);
    background: var(--bg);
    font-size: 15px;
    font-weight: 800;
}

.mobile-menu a:last-child {
    background: var(--primary);
    color: var(--white);
    text-align: center;
}

/*==================================================
  ANIMATIONS
==================================================*/

@keyframes headerIn {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.js-animate {
    transition: 0.8s ease;
}

/*==================================================
  HERO
==================================================*/

.hero-section {
    position: relative;
    min-height: 100vh;
    padding: 170px 0 90px;
    overflow: hidden;
    background:
        radial-gradient(circle at 12% 20%, rgba(15, 76, 58, 0.10), transparent 28%),
        radial-gradient(circle at 85% 12%, rgba(199, 161, 90, 0.14), transparent 30%),
        linear-gradient(180deg, #F8F6F2 0%, #EFE9DE 100%);
}

.hero-noise {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(15, 76, 58, 0.035) 1px, transparent 1px),
        linear-gradient(90deg, rgba(15, 76, 58, 0.035) 1px, transparent 1px);
    background-size: 76px 76px;
    opacity: 0.7;
}

.hero-ring {
    position: absolute;
    right: -180px;
    top: 120px;
    width: 560px;
    height: 560px;
    border-radius: 50%;
    border: 1px solid rgba(15, 76, 58, 0.13);
}

.hero-ring::before,
.hero-ring::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(15, 76, 58, 0.10);
}

.hero-ring::before {
    inset: 80px;
}

.hero-ring::after {
    inset: 165px;
}

.hero-section .container {
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 610px;
    opacity: 0;
    transform: translateY(26px);
    animation: fadeUp 0.9s ease 0.15s forwards;
}

.hero-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 26px;
    padding: 10px 15px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid var(--border);
    color: var(--primary);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.hero-content h1 {
    max-width: 620px;
    margin-bottom: 24px;
    font-family: "Cormorant Garamond", serif;
    color: var(--heading);
    font-size: clamp(46px, 6vw, 78px);
    line-height: 0.98;
    letter-spacing: -1.8px;
    font-weight: 700;
}

.hero-content p {
    max-width: 535px;
    margin-bottom: 34px;
    color: var(--text);
    font-size: 17px;
    line-height: 1.8;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 36px;
}

.hero-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 25px;
    border-radius: 999px;
    background: var(--primary);
    color: var(--white);
    font-size: 15px;
    font-weight: 800;
    transition: 0.25s ease;
}

.hero-btn:hover {
    color: var(--white);
    background: var(--primary-dark);
    transform: translateY(-3px);
}

.hero-actions span {
    color: var(--text);
    font-size: 14px;
    font-weight: 600;
}

.hero-proof {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    max-width: 540px;
    border-top: 1px solid var(--border);
    padding-top: 24px;
    gap: 22px;
}

.hero-proof div {
    display: grid;
    gap: 4px;
}

.hero-proof strong {
    color: var(--heading);
    font-size: 15px;
}

.hero-proof span {
    color: var(--text);
    font-size: 13px;
}

/* Form */

.application-card {
    max-width: 510px;
    margin-left: auto;
    padding: 30px;
    border-radius: 28px;
    background: rgba(255, 255, 255, 0.94);
    border: 1px solid rgba(255, 255, 255, 0.9);
    box-shadow: 0 28px 80px rgba(20, 24, 31, 0.12);
    opacity: 0;
    transform: translateY(26px);
    animation: fadeUp 0.9s ease 0.35s forwards;
}

.application-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 18px;
    margin-bottom: 22px;
    border-bottom: 1px solid var(--border);
}

.application-head span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--primary);
    font-size: 13px;
    font-weight: 800;
}

.application-head small {
    color: var(--text);
    font-size: 12px;
    font-weight: 700;
}

.application-card h2 {
    margin-bottom: 6px;
    font-family: "Cormorant Garamond", serif;
    color: var(--heading);
    font-size: 36px;
    font-weight: 700;
}

.application-card>p {
    margin-bottom: 22px;
    color: var(--text);
    font-size: 14px;
}

.client-form-box {
    max-height: 640px;
    overflow-y: auto;
    padding-right: 8px;
}

.client-form-box::-webkit-scrollbar {
    width: 6px;
}

.client-form-box::-webkit-scrollbar-track {
    background: #eee7dc;
    border-radius: 999px;
}

.client-form-box::-webkit-scrollbar-thumb {
    background: #c9b68f;
    border-radius: 999px;
}

#_lg_form_ {
    min-height: 520px;
}

/* Remove temporary main spacing after hero added */
main {
    min-height: auto;
    padding-top: 0;
}

@keyframes fadeUp {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/*==================================================
  PROCESS
==================================================*/

.process-section {
    padding: 120px 0;
    background: var(--white);
}

.section-heading {
    max-width: 720px;
    margin: 0 auto 80px;
    text-align: center;
}

.section-eyebrow {
    display: inline-block;
    margin-bottom: 14px;
    color: var(--accent);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
}

.section-heading h2 {
    margin-bottom: 16px;
    font-family: "Cormorant Garamond", serif;
    font-size: clamp(38px, 5vw, 62px);
    line-height: 1.05;
    letter-spacing: -1.2px;
}

.section-heading p {
    max-width: 560px;
    margin: 0 auto;
    color: var(--text);
    font-size: 16px;
    line-height: 1.8;
}

.process-board {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 26px;
}

.process-track {
    position: absolute;
    top: 38px;
    left: 7%;
    right: 7%;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(15, 76, 58, .28), transparent);
}

.process-item {
    position: relative;
    padding-top: 88px;
    text-align: center;
}

.process-item::before {
    content: attr(data-step);
    position: absolute;
    top: 0;
    left: 50%;
    width: 76px;
    height: 76px;
    transform: translateX(-50%);
    border-radius: 50%;
    background: var(--bg);
    border: 1px solid var(--border);
    color: var(--primary);
    display: grid;
    place-items: center;
    font-size: 16px;
    font-weight: 800;
    box-shadow: 0 16px 45px rgba(20, 24, 31, 0.06);
    z-index: 2;
    transition: 0.3s ease;
}

.process-item:hover::before {
    background: var(--primary);
    color: var(--white);
    transform: translateX(-50%) translateY(-6px);
}

.process-dot {
    display: none;
}

.process-item h3 {
    margin-bottom: 10px;
    color: var(--heading);
    font-size: 20px;
    font-weight: 800;
}

.process-item p {
    max-width: 235px;
    margin: 0 auto;
    color: var(--text);
    font-size: 14px;
    line-height: 1.7;
}

/*==================================================
  LOAN OPTIONS
==================================================*/

.loan-section {
    padding: 120px 0;
    background:
        radial-gradient(circle at 12% 20%, rgba(199, 161, 90, 0.12), transparent 28%),
        var(--bg);
}

.loan-layout {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 70px;
    align-items: center;
}

.loan-left h2 {
    max-width: 480px;
    margin-bottom: 18px;
    font-family: "Cormorant Garamond", serif;
    font-size: clamp(40px, 5vw, 64px);
    line-height: 1.02;
    letter-spacing: -1.2px;
}

.loan-left p {
    max-width: 460px;
    margin-bottom: 28px;
    color: var(--text);
    font-size: 16px;
    line-height: 1.8;
}

.loan-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--primary);
    font-size: 15px;
    font-weight: 800;
}

.loan-link i {
    transition: 0.25s ease;
}

.loan-link:hover {
    color: var(--primary);
}

.loan-link:hover i {
    transform: translateX(4px);
}

.loan-options {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.loan-option {
    min-height: 185px;
    padding: 26px;
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid var(--border);
    text-align: left;
    box-shadow: 0 14px 45px rgba(20, 24, 31, 0.05);
    transition: 0.3s ease;
}

.loan-option i {
    display: inline-flex;
    width: 48px;
    height: 48px;
    margin-bottom: 22px;
    border-radius: 50%;
    background: rgba(15, 76, 58, 0.08);
    color: var(--primary);
    align-items: center;
    justify-content: center;
    font-size: 22px;
}

.loan-option span {
    display: block;
    margin-bottom: 8px;
    color: var(--heading);
    font-size: 19px;
    font-weight: 800;
}

.loan-option small {
    display: block;
    color: var(--text);
    font-size: 13px;
    line-height: 1.6;
}

.loan-option:hover {
    transform: translateY(-8px);
    box-shadow: 0 22px 60px rgba(20, 24, 31, 0.09);
}

.loan-option.active {
    background: var(--primary);
    border-color: var(--primary);
}

.loan-option.active i {
    background: rgba(255, 255, 255, 0.14);
    color: var(--white);
}

.loan-option.active span,
.loan-option.active small {
    color: var(--white);
}

/*==================================================
  TRUST
==================================================*/

.trust-section {
    padding: 120px 0;
    background: var(--white);
    overflow: hidden;
}

.trust-layout {
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
    gap: 70px;
    align-items: center;
}

.trust-visual {
    min-height: 430px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.trust-orbit {
    position: relative;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    border: 1px solid rgba(15, 76, 58, 0.14);
    animation: slowRotate 18s linear infinite;
}

.trust-orbit::before,
.trust-orbit::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(15, 76, 58, 0.10);
}

.trust-orbit::before {
    inset: 58px;
}

.trust-orbit::after {
    inset: 116px;
}

.trust-center {
    position: absolute;
    inset: 50%;
    width: 118px;
    height: 118px;
    transform: translate(-50%, -50%);
    border-radius: 50%;
    background: var(--primary);
    color: var(--white);
    display: grid;
    place-items: center;
    font-size: 46px;
    box-shadow: 0 24px 70px rgba(15, 76, 58, 0.22);
}

.orbit-badge {
    position: absolute;
    padding: 12px 16px;
    border-radius: 999px;
    background: var(--white);
    border: 1px solid var(--border);
    color: var(--heading);
    font-size: 13px;
    font-weight: 800;
    box-shadow: var(--shadow);
    display: inline-flex;
    align-items: center;
    gap: 7px;
    animation: reverseRotate 18s linear infinite;
}

.orbit-badge i {
    color: var(--primary);
}

.badge-one {
    top: 22px;
    left: 22px;
}

.badge-two {
    right: -36px;
    top: 150px;
}

.badge-three {
    bottom: 28px;
    left: 55px;
}

.trust-content h2 {
    max-width: 540px;
    margin-bottom: 18px;
    font-family: "Cormorant Garamond", serif;
    font-size: clamp(40px, 5vw, 64px);
    line-height: 1.03;
    letter-spacing: -1.2px;
}

.trust-content>p {
    max-width: 540px;
    margin-bottom: 36px;
    color: var(--text);
    font-size: 16px;
    line-height: 1.8;
}

.trust-points {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 26px 34px;
    padding-top: 26px;
    border-top: 1px solid var(--border);
}

.trust-points div {
    display: grid;
    gap: 6px;
}

.trust-points strong {
    color: var(--heading);
    font-size: 15px;
    font-weight: 800;
}

.trust-points span {
    color: var(--text);
    font-size: 13px;
    line-height: 1.6;
}

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

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

/*==================================================
  CTA
==================================================*/

.cta-section {
    padding: 115px 0;
    background: var(--bg);
}

.cta-panel {
    position: relative;
    overflow: hidden;
    padding: 58px;
    border-radius: 34px;
    background:
        radial-gradient(circle at 90% 20%, rgba(199, 161, 90, 0.22), transparent 26%),
        linear-gradient(135deg, var(--primary-dark), var(--primary));
    color: var(--white);
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 50px;
    align-items: center;
}

.cta-bg-line {
    position: absolute;
    right: -150px;
    bottom: -170px;
    width: 520px;
    height: 520px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.13);
}

.cta-bg-line::before,
.cta-bg-line::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.10);
}

.cta-bg-line::before {
    inset: 70px;
}

.cta-bg-line::after {
    inset: 140px;
}

.cta-content,
.cta-action {
    position: relative;
    z-index: 2;
}

.cta-content .section-eyebrow {
    color: var(--accent);
}

.cta-content h2 {
    max-width: 610px;
    margin-bottom: 16px;
    font-family: "Cormorant Garamond", serif;
    font-size: clamp(42px, 5vw, 66px);
    line-height: 1.02;
    letter-spacing: -1.1px;
}

.cta-content p {
    max-width: 510px;
    color: rgba(255, 255, 255, 0.76);
    font-size: 16px;
    line-height: 1.75;
    margin: 0;
}

.cta-action {
    text-align: right;
}

.cta-button {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 17px 28px;
    border-radius: 999px;
    background: var(--white);
    color: var(--primary);
    font-size: 15px;
    font-weight: 900;
    transition: 0.25s ease;
}

.cta-button:hover {
    color: var(--primary);
    transform: translateY(-4px);
}

.cta-mini {
    margin-top: 20px;
    display: flex;
    justify-content: flex-end;
    gap: 18px;
    flex-wrap: wrap;
}

.cta-mini span {
    color: rgba(255, 255, 255, 0.82);
    font-size: 13px;
    font-weight: 700;
}

/*==================================================
  FAQ
==================================================*/

.faq-section {
    padding: 120px 0;
    background: var(--white);
}

.faq-layout {
    display: grid;
    grid-template-columns: 0.8fr 1.2fr;
    gap: 70px;
    align-items: start;
}

.faq-left {
    position: sticky;
    top: 120px;
}

.faq-left h2 {
    margin-bottom: 18px;
    font-family: "Cormorant Garamond", serif;
    font-size: clamp(42px, 5vw, 66px);
    line-height: 1.02;
}

.faq-left p {
    max-width: 360px;
    color: var(--text);
    font-size: 16px;
    line-height: 1.75;
}

.faq-item {
    border-bottom: 1px solid var(--border);
}

.faq-question {
    width: 100%;
    padding: 28px 0;
    border: none;
    background: transparent;
    color: var(--heading);
    display: flex;
    justify-content: space-between;
    gap: 22px;
    text-align: left;
    font-size: 20px;
    font-weight: 800;
    cursor: pointer;
}

.faq-question i {
    color: var(--primary);
    transition: 0.25s ease;
}

.faq-item.active .faq-question i {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer p {
    max-width: 720px;
    padding: 0 0 28px;
    color: var(--text);
    font-size: 15px;
    line-height: 1.8;
}

/*==================================================
                    FOOTER
==================================================*/

.footer {
    position: relative;
    padding: 72px 0 28px;
    overflow: hidden;
    background: radial-gradient(ellipse at left top, #7c8957 0%, #5a6e3a 32%, #063628 71%);
    color: #ffffff;
}

/* .footer::before {
    content: "";
    position: absolute;
    top: -175px;
    left: -90px;
    width: 427px;
    height: 420px;
    border-radius: 72%;
    background: rgb(255 223 163 / 30%);
    pointer-events: none;
} */

.footer .container {
    position: relative;
    z-index: 2;
}

/* Main Layout */

.footer-main {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 90px;
    align-items: start;
    padding-bottom: 48px;
}

/* Brand */

.footer-brand {
    max-width: 590px;
}

.footer-logo {
    display: inline-flex;
    align-items: center;
    margin-bottom: 24px;
}

.footer-logo img {
    width: auto;
    height: 78px;
    display: block;
    object-fit: contain;
}

.footer-brand>p {
    max-width: 520px;
    margin: 0;
    color: rgba(255, 255, 255, 0.72);
    font-size: 15px;
    line-height: 1.85;
}

/* Trust Items */

.footer-trust {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-top: 32px;
}

.footer-trust-item {
    min-height: 100px;
    padding: 16px;
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.055);
    display: flex;
    align-items: center;
    gap: 5px;
    transition: 0.25s ease;
    width: 200px;

}

.footer-trust-item:hover {
    transform: translateY(-3px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(199, 161, 90, 0.38);
}

.footer-trust-icon {
    width: 42px;
    height: 42px;
    flex: 0 0 42px;
    border-radius: 12px;
    /* background: rgba(199, 161, 90, 0.14); */
    color: #d3aa58;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 40px;
    margin-top: -16px;
}

.footer-trust-item strong {
    display: block;
    margin-bottom: 4px;
    color: #ffffff;
    font-size: 20px;
    font-weight: 600;
    line-height: 1em;
}

.footer-trust-item small {
    display: block;
    color: rgba(255, 255, 255, 0.58);
    font-size: 10px;
    line-height: 1.4;
}

/* Navigation */

.footer-navigation {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 55px;
}

.footer-link-column h4 {
    position: relative;
    margin-bottom: 22px;
    padding-bottom: 14px;
    color: #ffffff;
    font-size: 14px;
    font-weight: 800;
}

.footer-link-column h4::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 34px;
    height: 2px;
    border-radius: 10px;
    background: #c7a15a;
}

.footer-link-column a {
    display: block;
    width: fit-content;
    margin-bottom: 15px;
    color: rgba(255, 255, 255, 0.68);
    font-size: 14px;
    line-height: 1.1;
    transition: 0.25s ease;
}

.footer-link-column a:hover {
    color: #ffffff;
    transform: translateX(4px);
}

/* Legal Notice */

.footer-legal {
    padding: 28px 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.09);
    border-bottom: 1px solid rgba(255, 255, 255, 0.09);
    background: rgba(0, 0, 0, 0.08);
}

.footer-legal p {
    max-width: 1050px;
    margin: 0;
    color: rgba(255, 255, 255, 0.58);
    font-size: 11px;
    line-height: 1.85;
}

.footer-legal strong {
    color: rgba(255, 255, 255, 0.84);
    font-weight: 800;
}

/* Bottom */

.footer-bottom {
    padding-top: 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.footer-bottom span {
    color: rgba(255, 255, 255, 0.58);
    font-size: 12px;
}

.footer-bottom-links {
    display: flex;
    align-items: center;
    gap: 22px;
}

.footer-bottom-links a {
    color: rgba(255, 255, 255, 0.58);
    font-size: 12px;
    transition: 0.25s ease;
}

.footer-bottom-links a:hover {
    color: #ffffff;
}

/*==================================================
  PREMIUM POLISH - LOADER / SCROLL / REVEAL
==================================================*/

.page-loader {
    position: fixed;
    inset: 0;
    z-index: 99999;
    background: var(--bg);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity .6s ease, visibility .6s ease;
}

.page-loader.hide {
    opacity: 0;
    visibility: hidden;
}

.loader-brand img {
    width: 320px;
    max-width: 80vw;
    height: auto;
    display: block;
}

.loader-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: "Cormorant Garamond", serif;
    font-size: 42px;
    font-weight: 700;
    color: var(--heading);
    justify-content: center;
}

.loader-brand span {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    animation: loaderPulse 1.4s ease-in-out infinite;
}

.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    width: 0%;
    height: 3px;
    background: var(--primary);
    z-index: 9999;
}

.reveal-section {
    opacity: 1;
    transform: translateY(0);
}

.hero-ring {
    animation: softFloat 7s ease-in-out infinite alternate;
}

.application-card:hover,
.loan-option:hover,
.cta-panel:hover {
    box-shadow: 0 35px 90px rgba(20, 24, 31, 0.14);
}

@keyframes loaderPulse {

    0%,
    100% {
        transform: scale(1);
        box-shadow: 0 0 0 rgba(15, 76, 58, .3);
    }

    50% {
        transform: scale(1.08);
        box-shadow: 0 0 35px rgba(15, 76, 58, .28);
    }
}

@keyframes softFloat {
    from {
        transform: translateY(0);
    }

    to {
        transform: translateY(-18px);
    }
}

@media (prefers-reduced-motion: reduce) {
    * {
        animation: none !important;
        transition: none !important;
        scroll-behavior: auto !important;
    }
}

/*==================================================
                FOOTER LEGAL MODAL
==================================================*/

body.modal-open {
    overflow: hidden;
}

.legal-modal {
    position: fixed;
    inset: 0;
    z-index: 99999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.3s ease, visibility 0.3s ease;
}

.legal-modal.active {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

.legal-modal-overlay {
    position: absolute;
    inset: 0;
    background: rgba(3, 24, 18, 0.78);
    backdrop-filter: blur(8px);
}

.legal-modal-dialog {
    position: relative;
    z-index: 2;
    width: min(760px, 100%);
    max-height: 88vh;
    overflow: hidden;
    border-radius: 24px;
    background: #ffffff;
    border: 1px solid rgba(15, 76, 58, 0.12);
    box-shadow: 0 30px 90px rgba(0, 0, 0, 0.28);
    transform: translateY(24px) scale(0.98);
    transition: transform 0.3s ease;
}

.legal-modal.active .legal-modal-dialog {
    transform: translateY(0) scale(1);
}

.legal-modal-header {
    padding: 24px 26px;
    border-bottom: 1px solid rgba(0, 0, 0, 0.08);
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 24px;
    background: #f8f6f2;
}

.legal-modal-label {
    display: inline-block;
    margin-bottom: 6px;
    color: #c7a15a;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.legal-modal-header h3 {
    margin: 0;
    color: #1b1b1b;
    font-family: "Cormorant Garamond", serif;
    font-size: 32px;
    font-weight: 700;
}

.legal-modal-close {
    width: 42px;
    height: 42px;
    flex: 0 0 42px;
    border: none;
    border-radius: 50%;
    background: #ffffff;
    color: #0f4c3a;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    cursor: pointer;
    transition: 0.25s ease;
}

.legal-modal-close:hover {
    background: #0f4c3a;
    color: #ffffff;
    transform: rotate(90deg);
}

.legal-modal-body {
    max-height: calc(88vh - 110px);
    overflow-y: auto;
    padding: 28px 26px 32px;
    color: #5f6773;
    font-size: 14px;
    line-height: 1.85;
}

.legal-modal-body::-webkit-scrollbar {
    width: 6px;
}

.legal-modal-body::-webkit-scrollbar-track {
    background: #f1eee8;
}

.legal-modal-body::-webkit-scrollbar-thumb {
    background: #c7a15a;
    border-radius: 10px;
}

.legal-modal-body h4 {
    margin: 24px 0 10px;
    color: #1b1b1b;
    font-size: 17px;
    font-weight: 800;
}

.legal-modal-body h4:first-child {
    margin-top: 0;
}

.legal-modal-body p {
    margin-bottom: 15px;
}

.legal-modal-body ul {
    margin: 0 0 18px;
    padding-left: 20px;
}

.legal-modal-body li {
    margin-bottom: 8px;
}

.legal-modal-notice {
    margin-bottom: 22px;
    padding: 16px 18px;
    border-left: 3px solid #c7a15a;
    border-radius: 12px;
    background: #f8f6f2;
    color: #374151;
}

.legal-modal-form {
    display: grid;
    gap: 14px;
    margin-top: 20px;
}

.legal-modal-form label {
    color: #1b1b1b;
    font-size: 13px;
    font-weight: 700;
}

.legal-modal-form input,
.legal-modal-form textarea {
    width: 100%;
    padding: 13px 15px;
    border: 1px solid rgba(0, 0, 0, 0.12);
    border-radius: 12px;
    outline: none;
    font-family: inherit;
    font-size: 14px;
}

.legal-modal-form input:focus,
.legal-modal-form textarea:focus {
    border-color: #0f4c3a;
    box-shadow: 0 0 0 3px rgba(15, 76, 58, 0.08);
}

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

.legal-modal-button {
    width: fit-content;
    padding: 13px 22px;
    border: none;
    border-radius: 999px;
    background: #0f4c3a;
    color: #ffffff;
    font-size: 14px;
    font-weight: 800;
    cursor: pointer;
    transition: 0.25s ease;
}

.legal-modal-button:hover {
    background: #0a372a;
    transform: translateY(-2px);
}

.legal-form-message {
    display: none;
    margin-top: 10px;
    padding: 12px 14px;
    border-radius: 10px;
    background: rgba(15, 76, 58, 0.09);
    color: #0f4c3a;
    font-size: 13px;
    font-weight: 700;
}

.legal-form-message.show {
    display: block;
}

@media (max-width: 575px) {
    .legal-modal {
        padding: 12px;
        align-items: flex-end;
    }

    .legal-modal-dialog {
        max-height: 92vh;
        border-radius: 22px 22px 0 0;
    }

    .legal-modal-header {
        padding: 20px;
    }

    .legal-modal-header h3 {
        font-size: 27px;
    }

    .legal-modal-body {
        max-height: calc(92vh - 100px);
        padding: 22px 20px 28px;
    }
}