section { padding: 96px 0; }

/* ── HERO ──────────────────────────────────────── */
.hero {
  background: var(--navy-deep);
  padding: 148px 0 100px;
  position: relative; overflow: hidden;
}

.hero-grid {
  position: absolute; inset: 0; opacity: 0.04;
  background-image:
    linear-gradient(rgba(255,255,255,.6) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.6) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-glow {
  position: absolute;
  width: 700px; height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21,101,192,0.22) 0%, transparent 70%);
  top: -200px; right: -100px;
  pointer-events: none;
}

.hero-glow-2 {
  position: absolute;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,160,23,0.1) 0%, transparent 70%);
  bottom: -100px; left: 10%;
  pointer-events: none;
}

.hero-inner {
  max-width: 1180px; margin: 0 auto; padding: 0 32px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
  position: relative; z-index: 1;
}

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(21,101,192,0.2); border: 1px solid rgba(21,101,192,0.35);
  border-radius: 100px; padding: 5px 14px; margin-bottom: 24px;
  font-size: 12.5px; font-weight: 500; color: #90CAF9; letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hero-eyebrow-dot {
  width: 6px; height: 6px; border-radius: 50%; background: #64B5F6;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.7); }
}

.hero h1 {
  font-size: clamp(36px, 4vw, 52px); font-weight: 800;
  color: white; margin-bottom: 22px; line-height: 1.1;
  letter-spacing: -0.01em;
}

.hero h1 span { color: #64B5F6; }

.hero-sub {
  font-size: 17px; line-height: 1.7; color: rgba(255,255,255,0.62);
  margin-bottom: 36px; max-width: 480px;
  font-weight: 300;
}

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

.hero-stats {
  display: flex; gap: 32px; margin-top: 52px;
  padding-top: 36px; border-top: 1px solid rgba(255,255,255,0.08);
}

.hero-stat-val { font-size: 26px; font-weight: 700; color: white; }

.hero-stat-label {
  font-size: 12.5px; color: rgba(255,255,255,0.45); margin-top: 2px;
  text-transform: uppercase; letter-spacing: 0.06em;
}

.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }

.dashboard-mock {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 18px; padding: 24px; width: 100%;
  box-shadow: 0 24px 80px rgba(0,0,0,0.5);
}

.dash-top-bar { display: flex; gap: 8px; margin-bottom: 20px; }
.dash-dot { width: 10px; height: 10px; border-radius: 50%; }

.dash-metric-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 16px; }
.dash-metric { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: 10px; padding: 14px; }
.dash-metric-label { font-size: 10.5px; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 6px; }
.dash-metric-val { font-size: 19px; font-weight: 700; color: white; }
.dash-metric-sub { font-size: 10px; color: #66BB6A; margin-top: 3px; }

.dash-chart-area { background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.07); border-radius: 10px; padding: 16px; height: 120px; position: relative; overflow: hidden; }
.chart-label { font-size: 10.5px; color: rgba(255,255,255,0.35); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 10px; }
.chart-bars { display: flex; align-items: flex-end; gap: 5px; height: 72px; }
.chart-bar { flex: 1; border-radius: 4px 4px 0 0; background: rgba(21,101,192,0.5); transition: background .2s; }
.chart-bar.hi { background: #1976D2; }
.chart-bar.accent { background: rgba(212,160,23,0.7); }

.dash-loans-list { margin-top: 14px; }
.dash-loan-item { display: flex; justify-content: space-between; align-items: center; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
.dash-loan-name { font-size: 12px; color: rgba(255,255,255,0.7); }
.dash-loan-amount { font-size: 12px; font-weight: 600; color: white; }
.dash-loan-status { font-size: 10.5px; padding: 3px 8px; border-radius: 100px; }
.status-active { background: rgba(76,175,80,0.2); color: #81C784; }
.status-due { background: rgba(255,152,0,0.2); color: #FFB74D; }
.status-paid { background: rgba(21,101,192,0.2); color: #90CAF9; }

/* ── TRUST BAR ─────────────────────────────────── */
.trust-bar { background: var(--blue-pale); border-bottom: 1px solid var(--border); padding: 18px 0; }
.trust-inner { max-width: 1180px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 13.5px; font-weight: 500; color: var(--text-mid); }
.trust-icon { width: 30px; height: 30px; border-radius: 8px; background: var(--blue-light); border: 1px solid rgba(21,101,192,0.2); display: flex; align-items: center; justify-content: center; }
.trust-icon svg { width: 16px; height: 16px; color: var(--blue); }

/* ── FEATURES OVERVIEW ─────────────────────────── */
.features-overview { background: var(--off-white); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.feature-card { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 28px; transition: all .25s; }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: rgba(21,101,192,0.25); }
.feature-icon-wrap { width: 48px; height: 48px; border-radius: 12px; background: var(--blue-light); border: 1px solid rgba(21,101,192,0.2); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.feature-icon-wrap svg { width: 22px; height: 22px; color: var(--blue); }
.feature-card h3 { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 10px; letter-spacing: -0.01em; }
.feature-card p { font-size: 14.5px; color: var(--text-soft); line-height: 1.65; }
.feature-link { display: inline-flex; align-items: center; gap: 4px; font-size: 13.5px; font-weight: 500; color: var(--blue); margin-top: 14px; transition: gap .2s; }
.feature-link:hover { gap: 8px; }

/* ── HOW IT WORKS ──────────────────────────────── */
.how-it-works { background: var(--white); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; position: relative; }
.steps-grid::before {
  content: '';
  position: absolute; top: 36px; left: calc(16.66% + 24px); right: calc(16.66% + 24px);
  height: 2px; background: linear-gradient(90deg, var(--blue-light) 0%, var(--blue) 50%, var(--blue-light) 100%);
}
.step-item { text-align: center; padding: 0 24px; }
.step-number-wrap {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto 24px;
  background: var(--navy); border: 3px solid var(--blue);
  display: flex; align-items: center; justify-content: center;
  position: relative; z-index: 1;
}
.step-number { font-size: 24px; font-weight: 800; color: white; }
.step-item h3 { font-size: 19px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-item p { font-size: 15px; color: var(--text-soft); line-height: 1.65; }

/* ── FULL FEATURES ─────────────────────────────── */
.full-features { background: var(--navy-deep); color: white; }
.full-features .section-heading { color: white; }
.full-features .section-sub { color: rgba(255,255,255,0.5); }
.full-features .section-tag { background: rgba(21,101,192,0.2); color: #90CAF9; border-color: rgba(21,101,192,0.3); }
.modules-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.module-card { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 14px; padding: 22px 20px; cursor: default; transition: all .25s; }
.module-card:hover { background: rgba(21,101,192,0.12); border-color: rgba(21,101,192,0.35); transform: translateY(-3px); }
.module-card-icon { width: 40px; height: 40px; border-radius: 10px; background: rgba(21,101,192,0.2); border: 1px solid rgba(21,101,192,0.25); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.module-card-icon svg { width: 20px; height: 20px; color: #90CAF9; }
.module-card h4 { font-size: 14.5px; font-weight: 600; color: white; margin-bottom: 8px; line-height: 1.3; }
.module-card p { font-size: 12.5px; color: rgba(255,255,255,0.42); line-height: 1.55; }

/* ── ABOUT SECTION ─────────────────────────────── */
.about-section { background: var(--off-white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.about-visual-stack { position: relative; }
.about-card-main { background: var(--navy); border-radius: 20px; padding: 36px; color: white; position: relative; overflow: hidden; }
.about-card-main::before { content: ''; position: absolute; top: -60px; right: -60px; width: 200px; height: 200px; border-radius: 50%; background: rgba(21,101,192,0.2); }
.about-card-main h3 { font-size: 22px; font-weight: 700; color: white; margin-bottom: 14px; position: relative; z-index: 1; }
.about-card-main p { font-size: 15px; color: rgba(255,255,255,0.62); line-height: 1.7; position: relative; z-index: 1; }
.about-stats-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 18px; position: relative; z-index: 1; }
.about-mini-stat { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.08); border-radius: 10px; padding: 14px 12px; text-align: center; }
.about-mini-stat-val { font-size: 20px; font-weight: 700; color: white; }
.about-mini-stat-label { font-size: 10px; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 3px; }
.values-grid { margin-top: 40px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.value-pill { display: flex; align-items: flex-start; gap: 12px; background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 16px; }
.value-pill-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--blue); margin-top: 5px; flex-shrink: 0; }
.value-pill h4 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 3px; }
.value-pill p { font-size: 12.5px; color: var(--text-soft); line-height: 1.5; }
.about-text .section-sub { max-width: 100%; }
.difference-list { margin-top: 32px; }
.diff-item { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.diff-icon { width: 36px; height: 36px; border-radius: 9px; background: var(--blue-light); border: 1px solid rgba(21,101,192,0.2); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.diff-icon svg { width: 18px; height: 18px; color: var(--blue); }
.diff-item h4 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 3px; }
.diff-item p { font-size: 13.5px; color: var(--text-soft); line-height: 1.55; }

/* ── PRICING ───────────────────────────────────── */
.pricing-section { background: var(--white); }
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; align-items: stretch; }
.pricing-card { border: 1.5px solid var(--border); border-radius: 20px; padding: 32px 28px; display: flex; flex-direction: column; transition: all .25s; position: relative; }
.pricing-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.pricing-card.featured { border-color: var(--blue-mid); background: var(--navy); color: white; transform: scale(1.02); }
.pricing-card.featured:hover { transform: scale(1.02) translateY(-4px); }
.pricing-badge { position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--blue-mid); color: white; font-size: 11.5px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; border-radius: 100px; padding: 4px 16px; white-space: nowrap; }
.pricing-plan-name { font-size: 13px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-soft); margin-bottom: 12px; }
.pricing-card.featured .pricing-plan-name { color: rgba(255,255,255,0.5); }
.pricing-amount { display: flex; align-items: flex-end; gap: 4px; margin-bottom: 6px; }
.pricing-currency { font-size: 20px; font-weight: 700; color: var(--text-soft); margin-bottom: 4px; }
.pricing-card.featured .pricing-currency { color: rgba(255,255,255,0.55); }
.pricing-price { font-size: 42px; font-weight: 800; color: var(--navy); line-height: 1; }
.pricing-card.featured .pricing-price { color: white; }
.pricing-period { font-size: 13px; color: var(--text-soft); margin-bottom: 6px; }
.pricing-card.featured .pricing-period { color: rgba(255,255,255,0.45); }
.pricing-desc { font-size: 13.5px; color: var(--text-soft); margin-bottom: 24px; padding-bottom: 24px; border-bottom: 1px solid var(--border); line-height: 1.55; }
.pricing-card.featured .pricing-desc { color: rgba(255,255,255,0.5); border-bottom-color: rgba(255,255,255,0.1); }
.pricing-features { flex: 1; margin-bottom: 28px; }
.pricing-feature { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; margin-bottom: 11px; line-height: 1.45; color: var(--text-mid); }
.pricing-card.featured .pricing-feature { color: rgba(255,255,255,0.75); }
.pricing-feature-check { width: 17px; height: 17px; border-radius: 50%; background: rgba(21,101,192,0.12); border: 1px solid rgba(21,101,192,0.25); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }
.pricing-feature-check svg { width: 10px; height: 10px; color: var(--blue); }
.pricing-card.featured .pricing-feature-check { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.2); }
.pricing-card.featured .pricing-feature-check svg { color: #90CAF9; }
.btn-pricing-primary { width: 100%; padding: 13px; border-radius: var(--radius-sm); font-size: 15px; font-weight: 600; cursor: pointer; border: none; background: var(--blue-mid); color: white; transition: all .2s; font-family: 'Nunito', sans-serif; }
.btn-pricing-primary:hover { background: #1565C0; }
.btn-pricing-outline { width: 100%; padding: 12px; border-radius: var(--radius-sm); font-size: 15px; font-weight: 500; cursor: pointer; border: 1.5px solid var(--border); background: transparent; color: var(--navy); transition: all .2s; font-family: 'Nunito', sans-serif; }
.btn-pricing-outline:hover { border-color: var(--blue); color: var(--blue); }
.btn-pricing-white { width: 100%; padding: 13px; border-radius: var(--radius-sm); font-size: 15px; font-weight: 600; cursor: pointer; border: none; background: white; color: var(--navy); transition: all .2s; font-family: 'Nunito', sans-serif; }
.btn-pricing-white:hover { background: rgba(255,255,255,0.88); }

/* ── CTA SECTION ───────────────────────────────── */
.cta-section { background: var(--navy); padding: 96px 0; position: relative; overflow: hidden; }
.cta-section::before { content: ''; position: absolute; top: -200px; left: 50%; transform: translateX(-50%); width: 800px; height: 800px; border-radius: 50%; background: radial-gradient(circle, rgba(21,101,192,0.18) 0%, transparent 65%); }
.cta-inner { max-width: 1180px; margin: 0 auto; padding: 0 32px; text-align: center; position: relative; z-index: 1; }
.cta-inner h2 { font-size: clamp(28px, 3.5vw, 44px); font-weight: 800; color: white; letter-spacing: -0.01em; margin-bottom: 16px; line-height: 1.15; }
.cta-inner p { font-size: 17px; color: rgba(255,255,255,0.55); margin-bottom: 36px; font-weight: 300; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── CONTACT SECTION ───────────────────────────── */
.contact-section { background: var(--off-white); }
.contact-grid-split { display: grid; grid-template-columns: 1fr 1.4fr; gap: 72px; align-items: start; }
.contact-info h3 { font-size: 22px; font-weight: 700; color: var(--navy); margin-bottom: 14px; }
.contact-info p { font-size: 15.5px; color: var(--text-soft); line-height: 1.7; margin-bottom: 36px; font-weight: 300; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--blue-light); border: 1px solid rgba(21,101,192,0.2); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-detail-icon svg { width: 18px; height: 18px; color: var(--blue); }
.contact-detail h4 { font-size: 13px; font-weight: 600; color: var(--text-soft); margin-bottom: 2px; text-transform: uppercase; letter-spacing: 0.06em; }
.contact-detail p { font-size: 15px; color: var(--navy); font-weight: 500; margin: 0; }
.contact-form-wrap { background: var(--white); border: 1px solid var(--border); border-radius: 20px; padding: 40px; box-shadow: var(--shadow); }
.contact-form-wrap h3 { font-size: 21px; font-weight: 700; color: var(--navy); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--text-mid); margin-bottom: 7px; letter-spacing: 0.01em; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 11px 14px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--border); background: var(--white);
  font-size: 14.5px; color: var(--text); outline: none;
  font-family: 'Nunito', sans-serif; transition: border-color .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(21,101,192,0.1); }
.form-group input.is-invalid, .form-group select.is-invalid, .form-group textarea.is-invalid { border-color: #D32F2F; }
.form-group textarea { resize: vertical; min-height: 110px; }
.form-submit {
  width: 100%; padding: 14px; border-radius: var(--radius-sm);
  font-size: 15.5px; font-weight: 600; cursor: pointer;
  border: none; background: var(--blue-mid); color: white;
  transition: all .2s; font-family: 'Nunito', sans-serif; letter-spacing: 0.01em;
}
.form-submit:hover { background: #1565C0; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(21,101,192,0.35); }

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .modules-grid { grid-template-columns: repeat(2, 1fr); }
  .pricing-grid { grid-template-columns: 1fr; }
  .pricing-card.featured { transform: none; }
  .contact-grid-split { grid-template-columns: 1fr; gap: 48px; }
}

@media (max-width: 600px) {
  section { padding: 64px 0; }
  .features-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .trust-inner { gap: 24px; }
}