/*
Theme Name: Versa Credit
Theme URI: https://versacredit.ug
Author: Versa Credit Financial Services Limited
Author URI: https://versacredit.ug
Description: A modern, animated one-page WordPress theme for Versa Credit Financial Services Limited. Fully responsive, brand-aligned in cyan and navy blue, with WordPress Customizer support for editing every headline, paragraph, image, and contact detail from the admin dashboard. Fonts use Calibri with Segoe UI fallback.
Version: 1.1.0
Requires at least: 6.0
Tested up to: 6.6
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: versa-credit
Tags: one-page, business, finance, custom-colors, custom-menu, featured-images, full-width-template, responsive-layout
*/

:root {
  --brand:      #27DAF5;
  --brand-deep: #0FB6CE;
  --brand-navy: #123E7A;
  --brand-navy-dark: #0B2A57;
  --brand-soft: #E6FAFE;
  --ink:        #0E2230;
  --ink-soft:   #3D5260;
  --line:       #E4ECF1;
  --bg:         #FFFFFF;
  --bg-alt:     #F7FBFD;
  --shadow:     0 12px 40px rgba(15, 50, 70, 0.08);
  --shadow-lg:  0 30px 60px rgba(15, 50, 70, 0.15);
  --radius:     14px;
  --maxw:       1180px;
  --ease-out:   cubic-bezier(0.16, 1, 0.3, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
*::selection { background: var(--brand); color: var(--brand-navy-dark); }

html { scroll-behavior: smooth; scroll-padding-top: 80px; }

body {
  font-family: "Calibri", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--ink); background: var(--bg);
  line-height: 1.65; font-size: 17px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: "Calibri", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-weight: 700; color: var(--brand-navy-dark);
  line-height: 1.15; letter-spacing: -0.01em;
}
h1 { font-size: clamp(2rem, 4.8vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); }
h3 { font-size: 1.2rem; }
p  { color: var(--ink-soft); }

a { color: var(--brand-deep); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--brand-navy); text-decoration: none; }
img { max-width: 100%; display: block; height: auto; }

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

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.8rem; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--brand-deep); font-weight: 700; margin-bottom: 14px;
}
.eyebrow::before {
  content: ""; width: 26px; height: 2px; background: var(--brand); border-radius: 2px;
}

.section { padding: 110px 0; position: relative; }
.section--alt { background: var(--bg-alt); }
@media (max-width: 700px) { .section { padding: 72px 0; } }

/* Scroll progress bar */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--brand), var(--brand-navy));
  z-index: 100; transition: width .1s linear;
  box-shadow: 0 0 12px rgba(39,218,245,0.6);
}

/* Buttons */
.btn {
  position: relative; overflow: hidden;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 32px; border-radius: 999px;
  font-weight: 700; font-size: 1rem; cursor: pointer; border: 0;
  font-family: inherit; text-align: center; white-space: nowrap;
  transition: transform .25s var(--ease-spring), box-shadow .25s ease, background .3s ease, color .3s ease;
  isolation: isolate;
}
.btn--sm { padding: 11px 22px; font-size: 0.95rem; }
.btn svg { width: 16px; height: 16px; transition: transform .25s ease; flex-shrink: 0; }
.btn:hover svg { transform: translateX(3px); }
.btn--primary {
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%);
  color: var(--brand-navy-dark);
  box-shadow: 0 10px 26px rgba(39,218,245,0.4);
}
.btn--primary:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(39,218,245,0.55); color: white; }
.btn--primary::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--brand-navy) 0%, var(--brand-navy-dark) 100%);
  opacity: 0; transition: opacity .3s ease; z-index: -1;
}
.btn--primary:hover::before { opacity: 1; }
.btn--ghost {
  background: transparent; color: var(--brand-navy-dark);
  border: 2px solid var(--brand-navy-dark);
}
.btn--ghost:hover { background: var(--brand-navy-dark); color: white; transform: translateY(-3px); }
.btn .ripple { position: absolute; border-radius: 50%; transform: scale(0); animation: ripple .6s linear; background: rgba(255,255,255,0.5); pointer-events: none; }
@keyframes ripple { to { transform: scale(4); opacity: 0; } }
.btn--pulse { animation: pulse-ring 2.4s ease-out infinite; }
@keyframes pulse-ring {
  0% { box-shadow: 0 10px 26px rgba(39,218,245,0.4), 0 0 0 0 rgba(39,218,245,0.55); }
  70% { box-shadow: 0 10px 26px rgba(39,218,245,0.4), 0 0 0 18px rgba(39,218,245,0); }
  100% { box-shadow: 0 10px 26px rgba(39,218,245,0.4), 0 0 0 0 rgba(39,218,245,0); }
}

/* WordPress admin bar accommodation */
body.admin-bar .nav { top: 32px; }
@media screen and (max-width: 782px) {
  body.admin-bar .nav { top: 46px; }
}
html { scroll-padding-top: 96px; }
body.admin-bar { scroll-padding-top: 128px; }

/* Nav */
.nav {
  position: sticky; top: 0;
  background: rgba(255,255,255,0.85);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  z-index: 50; transition: box-shadow .3s ease, border-color .3s ease, background .3s ease;
}
.nav.scrolled { box-shadow: 0 6px 24px rgba(15,50,70,0.06); border-bottom-color: var(--line); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; color: var(--brand-navy-dark); }
.logo:hover { text-decoration: none; }
.logo img { height: 44px; width: auto; transition: transform .3s ease; }
.logo:hover img { transform: rotate(-4deg) scale(1.05); }
.nav__links { display: flex; gap: 30px; align-items: center; }
.nav__links a { color: var(--brand-navy-dark); font-weight: 600; position: relative; padding: 6px 2px; }
.nav__links a::after {
  content: ""; position: absolute; bottom: 0; left: 0; right: 0; height: 2px;
  background: var(--brand); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease-out);
}
.nav__links a:hover::after, .nav__links a.active::after { transform: scaleX(1); }
.nav__links a:hover { color: var(--brand-deep); }
.menu-toggle {
  display: none; background: none; border: 0; cursor: pointer;
  width: 44px; height: 44px; border-radius: 10px; padding: 0;
  align-items: center; justify-content: center; color: var(--brand-navy-dark);
  transition: background .2s ease;
}
.menu-toggle:hover { background: var(--brand-soft); }
.menu-toggle svg { width: 26px; height: 26px; }
@media (max-width: 960px) {
  .nav__links, .nav__cta { display: none; }
  .menu-toggle { display: inline-flex; }
  .nav__links.open {
    display: flex; flex-direction: column; align-items: stretch;
    position: absolute; top: 76px; left: 0; right: 0;
    background: white; padding: 20px 24px 28px;
    border-bottom: 1px solid var(--line); gap: 6px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.08);
    animation: slide-down .3s var(--ease-out);
  }
  .nav__links.open a { padding: 14px 4px; border-bottom: 1px solid var(--line); }
  .nav__links.open a:last-of-type { border-bottom: 0; }
  .nav__links.open .btn { width: 100%; margin-top: 10px; }
}
@keyframes slide-down { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }

/* Hero */
.hero {
  position: relative; overflow: hidden; padding: 110px 0 100px;
  background:
    radial-gradient(ellipse at top right, rgba(39,218,245,0.22), transparent 60%),
    radial-gradient(circle at bottom left, rgba(18,62,122,0.08), transparent 55%),
    #fff;
}
.hero::before, .hero::after { content: ""; position: absolute; border-radius: 50%; filter: blur(60px); z-index: 0; pointer-events: none; }
.hero::before { width: 380px; height: 380px; background: rgba(39,218,245,0.28); top: -60px; right: -60px; animation: float 12s ease-in-out infinite; }
.hero::after { width: 300px; height: 300px; background: rgba(18,62,122,0.15); bottom: -80px; left: 10%; animation: float 15s ease-in-out infinite reverse; }
@keyframes float { 0%,100% { transform: translate(0,0) scale(1); } 50% { transform: translate(30px,-20px) scale(1.05); } }
.hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; }
.hero h1 { animation: fade-up .8s var(--ease-out) both; }
.hero h1 .grad {
  background: linear-gradient(90deg, var(--brand-deep) 0%, var(--brand-navy) 50%, var(--brand-deep) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text; background-clip: text; color: transparent;
  animation: shine 4s linear infinite;
}
@keyframes shine { to { background-position: 200% center; } }
.hero__lead { font-size: 1.15rem; margin: 22px 0 32px; max-width: 540px; animation: fade-up .8s .15s var(--ease-out) both; }
.hero__cta { display: flex; gap: 14px; flex-wrap: wrap; animation: fade-up .8s .3s var(--ease-out) both; }
@keyframes fade-up { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.hero__media {
  position: relative; aspect-ratio: 4/5; border-radius: 24px;
  overflow: hidden; box-shadow: var(--shadow-lg);
  animation: fade-in-scale 1s .2s var(--ease-out) both;
}
.hero__media img { width: 100%; height: 100%; object-fit: cover; animation: ken-burns 18s ease-in-out infinite alternate; }
@keyframes ken-burns { 0% { transform: scale(1) translate(0,0); } 100% { transform: scale(1.08) translate(-1%,-2%); } }
.hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(160deg, transparent 40%, rgba(11,42,87,0.35) 100%); pointer-events: none; }
.hero__badge {
  position: absolute; left: 20px; bottom: 20px; right: auto;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  padding: 14px 18px; border-radius: 14px;
  box-shadow: 0 20px 40px rgba(11,42,87,0.28);
  display: flex; align-items: center; gap: 12px;
  max-width: calc(100% - 40px);
  animation: fade-in-scale 1s .8s var(--ease-out) both, bob 4s ease-in-out .8s infinite;
  z-index: 2;
}
.hero__badge__icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, var(--brand), var(--brand-deep));
  display: grid; place-items: center; color: white;
}
.hero__badge__num { font-weight: 800; font-size: 1.05rem; color: var(--brand-navy-dark); line-height: 1.1; }
.hero__badge__label { font-size: 0.82rem; color: var(--ink-soft); margin-top: 2px; }
@keyframes bob { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes fade-in-scale { from { opacity: 0; transform: scale(0.94); } to { opacity: 1; transform: scale(1); } }
@media (max-width: 900px) {
  .hero { padding: 60px 0 70px; }
  .hero__grid { grid-template-columns: 1fr; gap: 40px; }
  .hero__media { aspect-ratio: 4/3; max-width: 500px; margin: 0 auto; width: 100%; }
  .hero__badge { left: 14px; bottom: 14px; padding: 12px 16px; }
  .hero__badge__num { font-size: 1rem; }
}

/* Split-word entry animation for H1 */
.hero h1 .word, .hero h1 .grad {
  display: inline-block; opacity: 0; transform: translateY(24px);
  animation: word-in .7s var(--ease-out) forwards;
}
@keyframes word-in { to { opacity: 1; transform: translateY(0); } }
.hero h1 .grad { animation-delay: .55s; }

/* 3D image tilt */
.tilt {
  transform: perspective(1200px)
    rotateX(calc(var(--ty, 0) * -6deg))
    rotateY(calc(var(--tx, 0) * 6deg));
  transition: transform .35s var(--ease-out);
  will-change: transform;
}

/* Ticker marquee */
.ticker {
  background: linear-gradient(135deg, var(--brand-navy-dark), var(--brand-navy));
  color: white; overflow: hidden;
  padding: 20px 0; position: relative;
  border-top: 1px solid rgba(255,255,255,0.08);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.ticker::before, .ticker::after { content: ""; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2; pointer-events: none; }
.ticker::before { left: 0; background: linear-gradient(90deg, var(--brand-navy-dark), transparent); }
.ticker::after  { right: 0; background: linear-gradient(-90deg, var(--brand-navy-dark), transparent); }
.ticker__track { display: flex; gap: 60px; width: max-content; animation: ticker-scroll 30s linear infinite; }
.ticker:hover .ticker__track { animation-play-state: paused; }
.ticker__item { display: inline-flex; align-items: center; gap: 12px; font-weight: 700; letter-spacing: 0.04em; font-size: 1rem; color: white; text-transform: uppercase; }
.ticker__item svg { color: var(--brand); width: 20px; height: 20px; flex-shrink: 0; }
@keyframes ticker-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* Animated highlight */
.highlight { position: relative; display: inline-block; white-space: nowrap; }
.highlight::before {
  content: ""; position: absolute; left: -4px; right: -4px; bottom: 4px; height: 40%;
  background: linear-gradient(120deg, rgba(39,218,245,0.5), rgba(39,218,245,0.2));
  border-radius: 4px; z-index: -1;
  transform: scaleX(0); transform-origin: left;
  transition: transform .8s var(--ease-out);
}
.highlight.visible::before { transform: scaleX(1); }

/* Image placeholder (fallback) */
.img-placeholder {
  width: 100%; height: 100%; min-height: 200px;
  display: grid; place-items: center; color: var(--brand-deep);
  background: repeating-linear-gradient(45deg, rgba(39,218,245,0.08) 0 12px, transparent 12px 24px), var(--brand-soft);
  font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase;
  font-size: 0.8rem; text-align: center; padding: 24px;
}
.img-placeholder svg { width: 44px; height: 44px; margin-bottom: 12px; opacity: 0.7; }

/* Trust */
.trust { padding: 56px 0; background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.trust__item { display: flex; gap: 14px; align-items: flex-start; transition: transform .3s var(--ease-out); }
.trust__item:hover { transform: translateY(-4px); }
.trust__icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: linear-gradient(135deg, var(--brand-soft) 0%, #d1f3fa 100%);
  color: var(--brand-navy); display: grid; place-items: center; flex-shrink: 0;
  transition: transform .3s var(--ease-spring), background .3s ease, color .3s ease;
}
.trust__item:hover .trust__icon {
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%);
  color: white; transform: rotate(-6deg) scale(1.08);
}
.trust__item h4 { font-size: 1rem; margin-bottom: 4px; }
.trust__item p { font-size: 0.92rem; }
@media (max-width: 900px) { .trust__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .trust__grid { grid-template-columns: 1fr; } }

/* About */
.about__grid { display: grid; grid-template-columns: 0.95fr 1.05fr; gap: 70px; align-items: center; }
.about__media { position: relative; aspect-ratio: 4/3; border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-lg); }
.about__media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease-out); }
.about__media:hover img { transform: scale(1.04); }
.about__media__accent {
  position: absolute; width: 130px; height: 130px; border-radius: 20px;
  background: linear-gradient(135deg, var(--brand), var(--brand-deep));
  bottom: -20px; right: -20px; z-index: -1; opacity: 0.6;
  animation: bob 5s ease-in-out infinite;
}
.about__media__accent--tl { top: -20px; left: -20px; bottom: auto; right: auto; background: linear-gradient(135deg, var(--brand-navy), var(--brand-navy-dark)); animation-delay: 1s; }
.about__copy p + p { margin-top: 16px; }
@media (max-width: 900px) { .about__grid { grid-template-columns: 1fr; gap: 36px; } .about__media { max-width: 560px; margin: 0 auto; } }

/* Section head */
.section__head { max-width: 720px; margin-bottom: 60px; }
.section__head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section__head--center .eyebrow::before { display: none; }
.section__head--center .eyebrow::after { content: ""; width: 26px; height: 2px; background: var(--brand); border-radius: 2px; }
.section__head p { margin-top: 14px; font-size: 1.1rem; }

/* Grids */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 1000px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px)  { .grid-4, .grid-3 { grid-template-columns: 1fr; } }

.card {
  position: relative;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px;
  transition: transform .35s var(--ease-out), box-shadow .35s ease, border-color .3s ease;
  overflow: hidden;
}
.card::before { content: ""; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(39,218,245,0.08), transparent 60%); opacity: 0; transition: opacity .3s ease; pointer-events: none; }
.card::after { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--brand), var(--brand-navy)); transform: scaleX(0); transform-origin: left; transition: transform .4s var(--ease-out); }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card:hover::before { opacity: 1; }
.card:hover::after { transform: scaleX(1); }
.card__icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: linear-gradient(135deg, var(--brand-soft) 0%, #d1f3fa 100%);
  color: var(--brand-navy); display: grid; place-items: center; margin-bottom: 20px;
  transition: transform .4s var(--ease-spring), background .3s ease, color .3s ease;
}
.card:hover .card__icon { background: linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%); color: white; transform: rotate(-8deg) scale(1.08); }
.card__icon svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: 10px; transition: color .3s ease; }
.card:hover h3 { color: var(--brand-deep); }
.card p { font-size: 0.98rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps::before { content: ""; position: absolute; top: 46px; left: 8%; right: 8%; height: 2px; background: linear-gradient(90deg, var(--brand), var(--brand-navy)); opacity: 0.25; z-index: 0; }
@media (max-width: 1000px) { .steps::before { display: none; } }
.step {
  position: relative; z-index: 1;
  background: #fff; border-radius: var(--radius); padding: 30px 26px; border: 1px solid var(--line);
  transition: transform .35s var(--ease-out), box-shadow .3s ease;
}
.step:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.step__num {
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--brand), var(--brand-deep));
  color: var(--brand-navy-dark);
  display: grid; place-items: center; font-weight: 800; font-size: 1.1rem;
  margin-bottom: 16px; box-shadow: 0 8px 20px rgba(39,218,245,0.35);
  transition: transform .3s var(--ease-spring);
}
.step:hover .step__num { transform: scale(1.1) rotate(-8deg); }
.step h3 { font-size: 1.1rem; margin-bottom: 6px; }
.step p { font-size: 0.95rem; }
@media (max-width: 1000px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px)  { .steps { grid-template-columns: 1fr; } }

/* Why */
.why__grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 70px; align-items: center; }
.why__media { position: relative; aspect-ratio: 4/5; border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-lg); }
.why__media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease-out); }
.why__media:hover img { transform: scale(1.05); }
.why__list { display: grid; gap: 18px; }
.why__row {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 18px; border-radius: 14px;
  transition: background .3s ease, transform .3s var(--ease-out);
}
.why__row:hover { background: white; transform: translateX(6px); box-shadow: var(--shadow); }
.why__icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: linear-gradient(135deg, var(--brand-soft), #d1f3fa);
  color: var(--brand-navy);
  display: grid; place-items: center; flex-shrink: 0;
  transition: transform .3s var(--ease-spring), background .3s ease, color .3s ease;
}
.why__row:hover .why__icon { background: linear-gradient(135deg, var(--brand), var(--brand-deep)); color: white; transform: rotate(-6deg); }
.why__row h4 { font-size: 1.1rem; margin-bottom: 4px; }
@media (max-width: 900px) {
  .why__grid { grid-template-columns: 1fr; gap: 40px; }
  .why__media { max-width: 500px; margin: 0 auto; aspect-ratio: 4/3; }
}

/* Values */
.values { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.value {
  text-align: center; padding: 30px 16px; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line);
  transition: transform .35s var(--ease-out), border-color .3s ease, box-shadow .3s ease;
  cursor: default;
}
.value:hover { transform: translateY(-6px) scale(1.02); border-color: var(--brand); box-shadow: var(--shadow); }
.value__icon {
  width: 54px; height: 54px; border-radius: 50%;
  background: linear-gradient(135deg, var(--brand-soft), #d1f3fa);
  color: var(--brand-navy);
  display: grid; place-items: center; margin: 0 auto 14px;
  transition: transform .4s var(--ease-spring), background .3s ease, color .3s ease;
}
.value:hover .value__icon { background: linear-gradient(135deg, var(--brand), var(--brand-deep)); color: white; transform: rotate(360deg); }
.value h4 { font-size: 1rem; }
@media (max-width: 900px) { .values { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 520px) { .values { grid-template-columns: repeat(2, 1fr); } }

/* Contact */
.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: stretch; }
.contact__info { padding: 8px 0; }
.contact__row {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 20px 14px; border-radius: 12px;
  transition: background .25s ease, transform .25s ease;
}
.contact__row:hover { background: white; transform: translateX(4px); box-shadow: 0 6px 18px rgba(15,50,70,0.06); }
.contact__row + .contact__row { margin-top: 6px; }
.contact__icon {
  width: 46px; height: 46px; border-radius: 12px;
  background: linear-gradient(135deg, var(--brand-soft), #d1f3fa);
  color: var(--brand-navy);
  display: grid; place-items: center; flex-shrink: 0;
  transition: transform .3s var(--ease-spring);
}
.contact__row:hover .contact__icon { transform: rotate(-6deg) scale(1.05); }
.contact__row h4 { font-size: 1rem; margin-bottom: 2px; }
.contact__row p, .contact__row a { font-size: 1rem; color: var(--ink-soft); word-break: break-word; }
.contact__row a:hover { color: var(--brand-deep); }
.contact__actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 24px; padding: 0 14px; }

.form {
  background: #fff; border: 1px solid var(--line); border-radius: 18px;
  padding: 36px; box-shadow: var(--shadow-lg);
  position: relative; overflow: hidden;
}
.form::before {
  content: ""; position: absolute; top: -50%; right: -30%;
  width: 300px; height: 300px; border-radius: 50%;
  background: radial-gradient(circle, rgba(39,218,245,0.12), transparent 70%);
  pointer-events: none;
}
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; position: relative; }
.form input, .form textarea, .form select {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 12px;
  font-family: inherit; font-size: 1rem; color: var(--ink); background: #fff;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.form input:hover, .form textarea:hover, .form select:hover { border-color: #c8d5dd; }
.form input:focus, .form textarea:focus, .form select:focus {
  outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px rgba(39,218,245,0.2);
}
.form textarea { min-height: 130px; resize: vertical; }
.form label { display: block; font-weight: 700; margin-bottom: 6px; font-size: 0.88rem; color: var(--brand-navy-dark); letter-spacing: 0.02em; }
.form .field { margin-bottom: 16px; position: relative; }
.form-success { color: var(--brand-navy); font-weight: 700; margin-top: 14px; text-align: center; }
@media (max-width: 800px) { .contact { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .form__row { grid-template-columns: 1fr; } .form { padding: 26px; } }

/* CTA ribbon */
.cta-ribbon {
  background: linear-gradient(135deg, var(--brand-navy-dark), var(--brand-navy));
  color: white; padding: 60px 0; position: relative; overflow: hidden;
}
.cta-ribbon::before, .cta-ribbon::after { content: ""; position: absolute; border-radius: 50%; background: rgba(39,218,245,0.18); filter: blur(70px); pointer-events: none; }
.cta-ribbon::before { width: 320px; height: 320px; top: -100px; right: -60px; }
.cta-ribbon::after { width: 260px; height: 260px; bottom: -100px; left: -40px; }
.cta-ribbon__grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.4fr 1fr; gap: 30px; align-items: center; }
.cta-ribbon h2 { color: white; margin-bottom: 8px; }
.cta-ribbon p { color: rgba(255,255,255,0.85); font-size: 1.1rem; }
.cta-ribbon .btn-row { display: flex; gap: 14px; flex-wrap: wrap; justify-content: flex-end; }
.cta-ribbon .btn--ghost { color: white; border-color: rgba(255,255,255,0.5); }
.cta-ribbon .btn--ghost:hover { background: white; color: var(--brand-navy-dark); border-color: white; }
@media (max-width: 800px) { .cta-ribbon__grid { grid-template-columns: 1fr; text-align: center; } .cta-ribbon .btn-row { justify-content: center; } }

/* Footer */
footer.site-footer { background: var(--brand-navy-dark); color: rgba(255,255,255,0.75); padding: 70px 0 24px; position: relative; }
.site-footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--brand), var(--brand-navy)); }
.site-footer h4 { color: white; margin-bottom: 16px; font-size: 1rem; letter-spacing: 0.03em; }
.footer__grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer__logo img { height: 40px; }
.footer__about p { color: rgba(255,255,255,0.7); margin-top: 16px; font-size: 0.95rem; }
.footer__list { list-style: none; }
.footer__list li { margin-bottom: 10px; }
.footer__list a, .footer__list li { color: rgba(255,255,255,0.75); font-size: 0.95rem; transition: color .2s ease, padding .2s ease; }
.footer__list a:hover { color: var(--brand); padding-left: 4px; }
.footer__bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 24px; flex-wrap: wrap; gap: 12px; font-size: 0.9rem; }
.footer__bottom a { color: rgba(255,255,255,0.7); }
.socials { display: flex; gap: 10px; margin-top: 18px; }
.social {
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: grid; place-items: center; color: white;
  transition: background .25s ease, transform .25s var(--ease-spring), color .25s ease;
}
.social:hover { background: var(--brand); color: var(--brand-navy-dark); transform: translateY(-3px) rotate(-6deg); }
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer__grid { grid-template-columns: 1fr; gap: 30px; } .footer__bottom { justify-content: center; text-align: center; } }

/* Sticky CTA on mobile */
.sticky-cta { position: fixed; bottom: 16px; right: 16px; z-index: 40; display: none; opacity: 0; transform: translateY(20px); pointer-events: none; transition: opacity .3s ease, transform .3s ease; }
.sticky-cta.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
@media (max-width: 700px) { .sticky-cta { display: block; } }

/* Reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-left { opacity: 0; transform: translateX(-30px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); }
.reveal-left.visible { opacity: 1; transform: none; }
.reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); }
.reveal-right.visible { opacity: 1; transform: none; }
.stagger > *:nth-child(1) { transition-delay: .05s; }
.stagger > *:nth-child(2) { transition-delay: .12s; }
.stagger > *:nth-child(3) { transition-delay: .2s; }
.stagger > *:nth-child(4) { transition-delay: .28s; }
.stagger > *:nth-child(5) { transition-delay: .36s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* Utility */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; top: -40px; left: 0; background: var(--brand); color: var(--ink); padding: 8px 16px; z-index: 100; }
.skip-link:focus { top: 0; }

/* ===== Regulatory trust strip ===== */
.trust-strip { background: #fff; border-bottom: 1px solid var(--line); padding: 22px 0; }
.trust-strip__row { display: flex; justify-content: center; align-items: center; gap: 40px; flex-wrap: wrap; }
.trust-badge { display: inline-flex; align-items: center; gap: 10px; color: var(--brand-navy-dark); font-weight: 600; font-size: 0.9rem; }
.trust-badge svg { width: 20px; height: 20px; color: var(--brand-deep); flex-shrink: 0; }
.trust-badge__sep { width: 1px; height: 20px; background: var(--line); }

/* ===== Impact stats band ===== */
.stats { padding: 70px 0; background: linear-gradient(135deg, var(--brand-navy-dark), var(--brand-navy)); color: white; position: relative; overflow: hidden; }
.stats::before, .stats::after { content: ""; position: absolute; border-radius: 50%; background: rgba(39,218,245,0.16); filter: blur(80px); pointer-events: none; }
.stats::before { width: 320px; height: 320px; top: -80px; left: -80px; }
.stats::after { width: 280px; height: 280px; bottom: -80px; right: -60px; }
.stats__grid { position: relative; z-index: 1; display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; text-align: center; }
.stat__num { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--brand); line-height: 1; letter-spacing: -0.02em; display: inline-block; }
.stat__num sup { font-size: 0.5em; color: white; margin-left: 4px; vertical-align: super; }
.stat__label { color: rgba(255,255,255,0.85); font-size: 0.95rem; margin-top: 10px; letter-spacing: 0.02em; }

/* ===== Testimonials ===== */
.testimonials__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 32px; position: relative; transition: transform .35s var(--ease-out), box-shadow .3s ease, border-color .3s ease; }
.quote:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.quote::before { content: "\201C"; position: absolute; top: -8px; left: 20px; font-family: Georgia, serif; font-size: 5rem; line-height: 1; color: var(--brand); opacity: 0.5; }
.quote__stars { display: flex; gap: 2px; margin-bottom: 12px; color: #F5B800; }
.quote__stars svg { width: 16px; height: 16px; }
.quote__text { font-size: 1rem; color: var(--ink); line-height: 1.6; margin-bottom: 20px; }
.quote__author { display: flex; align-items: center; gap: 12px; }
.quote__avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--brand), var(--brand-deep)); display: grid; place-items: center; color: white; font-weight: 800; flex-shrink: 0; }
.quote__name { font-weight: 700; color: var(--brand-navy-dark); font-size: 0.95rem; line-height: 1.2; }
.quote__role { color: var(--ink-soft); font-size: 0.85rem; }

/* ===== FAQ accordion ===== */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item { background: #fff; border: 1px solid var(--line); border-radius: 14px; margin-bottom: 12px; overflow: hidden; transition: border-color .25s ease, box-shadow .25s ease; }
.faq__item[open] { border-color: var(--brand); box-shadow: var(--shadow); }
.faq__q { padding: 22px 24px; font-weight: 700; color: var(--brand-navy-dark); font-size: 1.05rem; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 20px; transition: background .2s ease; }
.faq__q:hover { background: var(--bg-alt); }
.faq__q::-webkit-details-marker { display: none; }
.faq__q .plus { width: 32px; height: 32px; border-radius: 50%; background: var(--brand-soft); color: var(--brand-navy); display: grid; place-items: center; flex-shrink: 0; transition: transform .3s var(--ease-spring), background .3s ease, color .3s ease; }
.faq__item[open] .faq__q .plus { background: var(--brand); color: var(--brand-navy-dark); transform: rotate(45deg); }
.faq__a { padding: 0 24px 22px; color: var(--ink-soft); line-height: 1.7; animation: fade-up .35s var(--ease-out); }

/* ===== Section number ===== */
.section-num { display: inline-block; font-family: "Calibri", "Segoe UI", sans-serif; font-weight: 800; font-size: 0.85rem; letter-spacing: 0.2em; color: var(--brand-deep); margin-right: 12px; opacity: 0.7; }

/* ===== Floating WhatsApp ===== */
.float-wa {
  position: fixed; bottom: 16px; left: 16px; z-index: 40;
  width: 54px; height: 54px; border-radius: 50%;
  background: #25D366; color: white;
  display: grid; place-items: center;
  box-shadow: 0 10px 26px rgba(37, 211, 102, 0.45);
  transition: transform .25s var(--ease-spring), box-shadow .25s ease;
  animation: wa-pulse 2.6s ease-out infinite;
}
.float-wa:hover { transform: scale(1.1); box-shadow: 0 16px 34px rgba(37, 211, 102, 0.6); text-decoration: none; }
.float-wa svg { width: 26px; height: 26px; }
@keyframes wa-pulse {
  0%   { box-shadow: 0 10px 26px rgba(37,211,102,0.45), 0 0 0 0 rgba(37,211,102,0.55); }
  70%  { box-shadow: 0 10px 26px rgba(37,211,102,0.45), 0 0 0 16px rgba(37,211,102,0); }
  100% { box-shadow: 0 10px 26px rgba(37,211,102,0.45), 0 0 0 0 rgba(37,211,102,0); }
}

/* ===== Refined responsive breakpoints ===== */
@media (max-width: 1280px) {
  .container { padding: 0 32px; }
  .section { padding: 96px 0; }
  .about__grid, .why__grid { gap: 50px; }
}
@media (max-width: 1024px) {
  .container { padding: 0 24px; }
  .section { padding: 84px 0; }
  h1 { font-size: clamp(1.9rem, 5vw, 2.8rem); }
  h2 { font-size: clamp(1.5rem, 3.2vw, 2.1rem); }
  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 40px 20px; }
  .testimonials__grid { grid-template-columns: 1fr; max-width: 620px; margin: 0 auto; }
  .trust-strip__row { gap: 24px; }
  .trust-badge__sep { display: none; }
  .cta-ribbon { padding: 48px 0; }
  .footer__grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer__about { grid-column: 1 / -1; margin-bottom: 20px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .container { padding: 0 20px; }
  .section { padding: 60px 0; }
  h1 { font-size: 2rem; line-height: 1.2; }
  h2 { font-size: 1.5rem; }
  .eyebrow { font-size: 0.72rem; letter-spacing: 0.18em; }
  .btn { padding: 14px 26px; font-size: 0.98rem; }
  .btn--sm { padding: 11px 18px; font-size: 0.9rem; }
  .stats { padding: 50px 0; }
  .stats__grid { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .stat__num { font-size: 1.9rem; }
  .stat__label { font-size: 0.85rem; }
  .quote { padding: 24px; }
  .faq__q { padding: 18px 20px; font-size: 1rem; }
  .faq__a { padding: 0 20px 18px; font-size: 0.95rem; }
  .section-num { font-size: 0.75rem; margin-right: 8px; }
  .float-wa { width: 48px; height: 48px; bottom: 12px; left: 12px; }
  .float-wa svg { width: 22px; height: 22px; }
  .sticky-cta { bottom: 12px; right: 12px; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; text-align: center; gap: 10px; }
  .contact__row { padding: 16px 12px; gap: 12px; }
  .hero__badge__label { font-size: 0.78rem; }
  .cta-ribbon h2 { font-size: 1.5rem; }
  .cta-ribbon p { font-size: 1rem; }
  .ticker { padding: 16px 0; }
  .ticker__item { font-size: 0.85rem; letter-spacing: 0.02em; }
}
@media (hover: none) and (pointer: coarse) {
  .btn, .menu-toggle, .social, .float-wa { min-height: 44px; }
  .nav__links a { padding: 10px 4px; }
}