/* =====================================================================
   BERJAYA CREDIT 2U — Premium Financial Landing Page
   Design system + all sections + responsive
   ===================================================================== */

/* ---------- Design tokens ---------- */
:root {
  --navy: #0A1F44;
  --navy-2: #0d2752;
  --royal: #153D7A;
  --royal-light: #1B4A8F;
  --gold: #D4AF37;
  --gold-soft: #E7C766;
  --gold-deep: #B9962B;
  --white: #FFFFFF;
  --grey-bg: #F8FAFC;
  --grey-100: #EEF2F8;
  --grey-200: #E2E8F0;
  --text: #1F2937;
  --text-soft: #4B5563;
  --text-mute: #6B7280;
  --wa: #25D366;
  --wa-dark: #1da851;

  --maxw: 1200px;
  --radius: 16px;
  --radius-lg: 22px;
  --radius-sm: 10px;

  --shadow-sm: 0 2px 8px rgba(10,31,68,.06);
  --shadow: 0 10px 30px rgba(10,31,68,.10);
  --shadow-lg: 0 24px 60px rgba(10,31,68,.16);
  --shadow-gold: 0 12px 30px rgba(212,175,55,.35);

  --ff-display: 'Poppins', 'Segoe UI', system-ui, sans-serif;
  --ff-body: 'Inter', 'Segoe UI', system-ui, sans-serif;

  --header-h: 80px;
  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--ff-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
[hidden] { display: none !important; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; padding: 0; }
h1, h2, h3, h4 { font-family: var(--ff-display); line-height: 1.15; color: var(--navy); font-weight: 700; }

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 24px; }
.container.narrow { max-width: 860px; }
.section { padding: clamp(64px, 8vw, 112px) 0; }

.ic { width: 1.25em; height: 1.25em; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex: none; }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 2000;
  background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 8px;
  transition: top .2s;
}
.skip-link:focus { top: 12px; }

/* ---------- Section heads / kickers ---------- */
.section-head { text-align: center; max-width: 720px; margin: 0 auto clamp(40px, 5vw, 64px); }
.kicker {
  display: inline-block; font-family: var(--ff-body); font-weight: 700;
  font-size: .82rem; letter-spacing: 2.4px; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 14px;
}
.kicker.gold { color: var(--gold); }
.section-head h2 { font-size: clamp(1.8rem, 3.4vw, 2.7rem); margin-bottom: 16px; }
.section-head p { color: var(--text-soft); font-size: 1.05rem; }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--navy); --fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--ff-body); font-weight: 600; font-size: 1rem; line-height: 1;
  padding: 15px 26px; border-radius: 999px; border: none; cursor: pointer;
  background: var(--bg); color: var(--fg);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s;
  white-space: nowrap;
}
.btn .ic { width: 1.15em; height: 1.15em; }
.btn:hover { transform: translateY(-3px); }
.btn:active { transform: translateY(-1px); }
.btn-lg { padding: 17px 32px; font-size: 1.06rem; }
.btn-block { width: 100%; }

.btn-gold { background: linear-gradient(135deg, var(--gold-soft), var(--gold)); color: var(--navy); box-shadow: var(--shadow-gold); font-weight: 700; }
.btn-gold:hover { box-shadow: 0 18px 40px rgba(212,175,55,.45); }
.btn-navy { background: var(--navy); color: #fff; box-shadow: var(--shadow); }
.btn-navy:hover { background: var(--royal); }
.btn-wa { background: var(--wa); color: #fff; box-shadow: 0 10px 26px rgba(37,211,102,.32); }
.btn-wa:hover { background: var(--wa-dark); }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--grey-200); }
.btn-outline:hover { border-color: var(--navy); background: var(--navy); color: #fff; }
.btn-outline-light { background: rgba(255,255,255,.08); color: #fff; border: 1.5px solid rgba(255,255,255,.45); backdrop-filter: blur(4px); }
.btn-outline-light:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid transparent;
  transition: box-shadow .3s, background .3s, border-color .3s;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); border-color: var(--grey-100); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: var(--header-h); transition: height .3s; }
.site-header.scrolled .header-inner { height: 66px; }
.brand img { height: 50px; width: auto; transition: height .3s; }
.site-header.scrolled .brand img { height: 44px; }

.main-nav { display: flex; gap: 30px; margin-left: auto; }
.main-nav a { font-weight: 500; color: var(--text); position: relative; padding: 6px 0; font-size: .98rem; transition: color .2s; }
.main-nav a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 0; height: 2px; background: var(--gold); transition: right .25s var(--ease); }
.main-nav a:hover { color: var(--navy); }
.main-nav a:hover::after { right: 0; }

.header-cta { display: flex; align-items: center; gap: 14px; }
.btn-ghost-call { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); font-size: .95rem; padding: 8px 6px; }
.btn-ghost-call .ic { color: var(--gold-deep); }
.btn-ghost-call:hover { color: var(--royal); }
.header-wa { padding: 12px 20px; font-size: .95rem; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 26px; height: 2.5px; background: var(--navy); border-radius: 2px; transition: .3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Mobile drawer ---------- */
.drawer-backdrop { position: fixed; inset: 0; background: rgba(10,31,68,.5); z-index: 1100; backdrop-filter: blur(2px); animation: fade .25s; }
.mobile-drawer {
  position: fixed; top: 0; right: 0; bottom: 0; width: min(86vw, 360px);
  background: #fff; z-index: 1200; padding: 28px 24px; box-shadow: var(--shadow-lg);
  display: flex; flex-direction: column; transform: translateX(0); animation: slideIn .3s var(--ease);
}
@keyframes slideIn { from { transform: translateX(100%); } }
@keyframes fade { from { opacity: 0; } }
.drawer-close { align-self: flex-end; font-size: 2rem; line-height: 1; background: none; border: none; color: var(--navy); cursor: pointer; }
.drawer-nav { display: flex; flex-direction: column; gap: 4px; margin: 16px 0 24px; }
.drawer-nav a { padding: 14px 12px; border-radius: 10px; font-weight: 600; color: var(--navy); font-family: var(--ff-display); transition: background .2s; }
.drawer-nav a:hover { background: var(--grey-bg); }
.drawer-cta { margin-top: auto; display: flex; flex-direction: column; gap: 12px; }

/* ---------- Hero ---------- */
.hero { position: relative; padding-top: calc(var(--header-h) + 56px); padding-bottom: 90px; background: linear-gradient(180deg, var(--grey-bg) 0%, #fff 100%); overflow: hidden; }
.hero-bg-accent { position: absolute; top: -160px; right: -160px; width: 620px; height: 620px; background: radial-gradient(circle, rgba(21,61,122,.10), transparent 65%); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--grey-200); color: var(--royal); font-weight: 600; font-size: .86rem; padding: 8px 16px; border-radius: 999px; box-shadow: var(--shadow-sm); margin-bottom: 22px; }
.eyebrow .ic { color: var(--gold-deep); width: 1.1em; height: 1.1em; }
.hero-copy h1 { font-size: clamp(2.2rem, 4.6vw, 3.5rem); font-weight: 800; letter-spacing: -.5px; }
.hero-copy h1 { background: none; }
.hero-copy .lead { font-size: 1.16rem; color: var(--text-soft); margin: 20px 0 26px; max-width: 540px; }
.trust-points { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 22px; margin-bottom: 30px; }
.trust-points li { display: flex; align-items: center; gap: 10px; font-weight: 500; color: var(--text); }
.trust-points .ic { color: var(--gold-deep); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-microtrust { display: flex; align-items: center; gap: 4px; margin-top: 24px; color: var(--text-mute); font-size: .94rem; }
.hero-microtrust .ic { width: 1.05em; height: 1.05em; color: var(--gold); fill: var(--gold); }
.hero-microtrust strong { color: var(--navy); }

.hero-visual { position: relative; }
.hero-img-wrap { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 4/5; background: var(--navy); }
.hero-img-wrap img { width: 100%; height: 100%; object-fit: cover; }
.float-card {
  position: absolute; display: flex; align-items: center; gap: 12px;
  background: rgba(255,255,255,.92); backdrop-filter: blur(8px);
  padding: 13px 16px; border-radius: 14px; box-shadow: var(--shadow);
  border: 1px solid rgba(255,255,255,.6); animation: floaty 5s ease-in-out infinite;
}
.float-card .fc-ic { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px; background: linear-gradient(135deg, var(--royal), var(--navy)); color: var(--gold); flex: none; }
.float-card .fc-ic .ic { width: 20px; height: 20px; }
.float-card strong { display: block; font-size: .9rem; color: var(--navy); font-family: var(--ff-display); }
.float-card small { color: var(--text-mute); font-size: .76rem; }
.fc-1 { top: 6%; left: -34px; animation-delay: 0s; }
.fc-2 { top: 34%; right: -28px; animation-delay: .8s; }
.fc-3 { bottom: 20%; left: -38px; animation-delay: 1.6s; }
.fc-4 { bottom: 4%; right: -22px; animation-delay: 2.4s; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }

/* ---------- Trust bar ---------- */
.trust-bar { background: var(--navy); color: #fff; padding: 0; position: relative; }
.trust-bar .container { padding-block: 0; }
.trust-values { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 34px; padding: 22px 0; border-bottom: 1px solid rgba(255,255,255,.10); }
.trust-values span { display: inline-flex; align-items: center; gap: 9px; font-weight: 500; font-size: .98rem; color: #dfe7f5; }
.trust-values .ic { color: var(--gold); }
.counters { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 44px 0; }
.counter { text-align: center; position: relative; }
.counter:not(:last-child)::after { content: ""; position: absolute; right: -10px; top: 14%; height: 72%; width: 1px; background: rgba(255,255,255,.12); }
.counter .num { font-family: var(--ff-display); font-weight: 800; font-size: clamp(2.1rem, 4vw, 3rem); color: var(--gold); display: block; line-height: 1; letter-spacing: -1px; }
.counter p { color: #c6d2e8; margin-top: 10px; font-size: .96rem; }

/* ---------- Solutions ---------- */
.solutions { background: #fff; }
.solution-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
.solution-card { background: #fff; border: 1px solid var(--grey-100); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform .35s var(--ease), box-shadow .35s var(--ease); display: flex; flex-direction: column; }
.solution-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.solution-media { position: relative; aspect-ratio: 3/2; overflow: hidden; background: var(--navy); }
.solution-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.solution-card:hover .solution-media img { transform: scale(1.05); }
.solution-badge { position: absolute; top: 16px; left: 16px; display: inline-flex; align-items: center; gap: 7px; background: rgba(255,255,255,.95); color: var(--navy); font-weight: 700; font-size: .82rem; padding: 7px 14px; border-radius: 999px; box-shadow: var(--shadow-sm); }
.solution-badge .ic { color: var(--gold-deep); width: 1em; height: 1em; }
.solution-body { padding: 30px clamp(22px, 3vw, 34px) 34px; display: flex; flex-direction: column; flex: 1; }
.solution-body h3 { font-size: 1.5rem; margin-bottom: 18px; }
.feature-list { display: grid; gap: 12px; margin-bottom: 26px; }
.feature-list li { display: flex; align-items: center; gap: 11px; color: var(--text-soft); }
.feature-list .ic { color: var(--gold-deep); flex: none; }
.solution-body .btn { margin-top: auto; }

/* ---------- Why choose ---------- */
.why { background: var(--grey-bg); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card { background: #fff; border: 1px solid var(--grey-100); border-radius: var(--radius); padding: 34px 28px; box-shadow: var(--shadow-sm); transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; }
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: rgba(212,175,55,.4); }
.why-ic { display: grid; place-items: center; width: 60px; height: 60px; border-radius: 16px; background: linear-gradient(135deg, var(--royal-light), var(--navy)); color: var(--gold); margin-bottom: 20px; box-shadow: var(--shadow-sm); }
.why-ic .ic { width: 28px; height: 28px; }
.why-card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.why-card p { color: var(--text-soft); font-size: .98rem; }

/* ---------- How it works ---------- */
.how { background: #fff; }
.timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; list-style: none; padding: 0; margin: 0; }
.step { position: relative; text-align: center; padding-top: 0; }
.step-num { position: relative; z-index: 2; display: grid; place-items: center; width: 68px; height: 68px; margin: 0 auto 22px; border-radius: 50%; background: linear-gradient(135deg, var(--royal), var(--navy)); color: var(--gold); font-family: var(--ff-display); font-weight: 800; font-size: 1.5rem; box-shadow: 0 8px 20px rgba(10,31,68,.22); border: 4px solid #fff; }
.step-ic { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--grey-bg); color: var(--royal); margin-bottom: 14px; }
.step-ic .ic { width: 22px; height: 22px; }
.step h3 { font-size: 1.16rem; margin-bottom: 8px; }
.step p { color: var(--text-soft); font-size: .95rem; padding-inline: 6px; }
.how-cta { text-align: center; margin-top: 56px; }

/* ---------- Eligibility ---------- */
.eligibility { background: var(--grey-bg); }
.elig-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 56px; align-items: center; }
.elig-visual { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 4/3; background: var(--navy); }
.elig-visual img { width: 100%; height: 100%; object-fit: cover; }
.elig-copy h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); margin-bottom: 14px; }
.elig-copy > p { color: var(--text-soft); margin-bottom: 24px; }
.check-list { display: grid; gap: 14px; margin-bottom: 32px; }
.check-list li { display: flex; align-items: center; gap: 14px; font-weight: 500; background: #fff; border: 1px solid var(--grey-100); padding: 14px 18px; border-radius: 12px; box-shadow: var(--shadow-sm); transition: transform .25s var(--ease); }
.check-list li:hover { transform: translateX(6px); }
.check-list .ic { color: #fff; background: var(--gold); border-radius: 50%; padding: 3px; width: 1.7em; height: 1.7em; flex: none; stroke-width: 2.4; }
.check-list em { color: var(--text-mute); font-style: normal; font-size: .9em; }

/* ---------- Industries ---------- */
.industries { background: #fff; }
.industry-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; }
.industry { display: flex; flex-direction: column; align-items: center; gap: 12px; padding: 28px 12px; background: var(--grey-bg); border: 1px solid var(--grey-100); border-radius: var(--radius); text-align: center; transition: transform .3s var(--ease), box-shadow .3s, background .3s, color .3s; }
.industry .ic { width: 34px; height: 34px; color: var(--royal); transition: color .3s, transform .3s; }
.industry span { font-weight: 600; font-size: .92rem; color: var(--text); font-family: var(--ff-display); }
.industry:hover { transform: translateY(-6px); background: var(--navy); box-shadow: var(--shadow); }
.industry:hover .ic { color: var(--gold); transform: scale(1.1); }
.industry:hover span { color: #fff; }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--grey-bg); overflow: hidden; }
.carousel { overflow-x: auto; scroll-snap-type: x mandatory; -webkit-overflow-scrolling: touch; scrollbar-width: none; padding: 8px 0 12px; }
.carousel::-webkit-scrollbar { display: none; }
.carousel-track { display: flex; gap: 26px; padding-inline: max(24px, calc((100vw - var(--maxw)) / 2 + 24px)); }
.tcard { scroll-snap-align: start; flex: 0 0 clamp(290px, 31%, 380px); background: #fff; border: 1px solid var(--grey-100); border-radius: var(--radius-lg); padding: 30px 28px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.tcard .stars { display: flex; gap: 3px; color: var(--gold); margin-bottom: 16px; }
.tcard .stars .ic { width: 18px; height: 18px; fill: var(--gold); stroke: var(--gold); }
.tcard > p { color: var(--text-soft); font-size: 1.01rem; line-height: 1.7; flex: 1; }
.tperson { display: flex; align-items: center; gap: 14px; margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--grey-100); }
.avatar { display: grid; place-items: center; width: 50px; height: 50px; border-radius: 50%; background: linear-gradient(135deg, var(--a, var(--royal)), var(--b, var(--navy))); color: var(--gold); font-family: var(--ff-display); font-weight: 700; font-size: 1.05rem; flex: none; box-shadow: var(--shadow-sm); }
.tperson strong { display: block; color: var(--navy); font-family: var(--ff-display); font-size: 1.02rem; }
.tperson small { color: var(--text-mute); font-size: .86rem; }
.carousel-controls { display: flex; align-items: center; justify-content: center; gap: 18px; margin-top: 34px; }
.carousel-btn { display: grid; place-items: center; width: 50px; height: 50px; border-radius: 50%; background: #fff; border: 1px solid var(--grey-200); color: var(--navy); cursor: pointer; box-shadow: var(--shadow-sm); transition: background .25s, color .25s, transform .25s; }
.carousel-btn:hover { background: var(--navy); color: var(--gold); transform: translateY(-2px); }
.carousel-dots { display: flex; gap: 8px; }
.carousel-dots button { width: 9px; height: 9px; border-radius: 50%; border: none; background: var(--grey-200); cursor: pointer; padding: 0; transition: width .25s, background .25s; }
.carousel-dots button.active { width: 26px; border-radius: 999px; background: var(--gold); }

/* ---------- FAQ ---------- */
.faq { background: #fff; }
.accordion { display: grid; gap: 14px; }
.acc-item { border: 1px solid var(--grey-200); border-radius: 14px; overflow: hidden; background: #fff; transition: box-shadow .25s, border-color .25s; }
.acc-item.open { box-shadow: var(--shadow); border-color: rgba(212,175,55,.5); }
.acc-head { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 24px; background: none; border: none; cursor: pointer; text-align: left; font-family: var(--ff-display); font-weight: 600; font-size: 1.08rem; color: var(--navy); }
.acc-head .ic { color: var(--gold-deep); transition: transform .3s var(--ease); flex: none; }
.acc-item.open .acc-head .ic { transform: rotate(180deg); }
.acc-body { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.acc-body p { padding: 0 24px 24px; color: var(--text-soft); }

/* ---------- Final CTA ---------- */
.final-cta { position: relative; background: linear-gradient(135deg, var(--royal) 0%, var(--navy) 60%); color: #fff; padding: clamp(70px, 9vw, 120px) 0; overflow: hidden; text-align: center; }
.final-cta-skyline { position: absolute; left: 0; right: 0; bottom: 0; height: 200px; background-repeat: repeat-x; background-position: bottom; opacity: .5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='1200' height='200' viewBox='0 0 1200 200'%3E%3Cg fill='%23071533'%3E%3Crect x='40' y='110' width='60' height='90'/%3E%3Crect x='120' y='70' width='44' height='130'/%3E%3Crect x='180' y='130' width='52' height='70'/%3E%3Crect x='250' y='90' width='40' height='110'/%3E%3Crect x='560' y='40' width='30' height='160'/%3E%3Crect x='600' y='40' width='30' height='160'/%3E%3Crect x='700' y='100' width='70' height='100'/%3E%3Crect x='800' y='70' width='44' height='130'/%3E%3Crect x='980' y='120' width='60' height='80'/%3E%3Crect x='1060' y='80' width='44' height='120'/%3E%3C/g%3E%3Cg fill='%23D4AF37' opacity='0.5'%3E%3Crect x='572' y='20' width='6' height='16'/%3E%3Crect x='612' y='20' width='6' height='16'/%3E%3C/g%3E%3C/svg%3E"); }
.final-cta::before { content: ""; position: absolute; top: -120px; left: 50%; transform: translateX(-50%); width: 600px; height: 360px; background: radial-gradient(circle, rgba(212,175,55,.18), transparent 70%); }
.final-cta-inner { position: relative; max-width: 760px; margin: 0 auto; }
.final-cta-inner h2 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 16px; }
.final-cta-inner > p { color: #cdd9ef; font-size: 1.12rem; margin-bottom: 34px; }
.final-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }

/* ---------- Footer ---------- */
.site-footer { background: #06122b; color: #b8c4dc; padding-top: 64px; font-size: .96rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 48px; }
.footer-logo-plate { display: inline-block; background: #fff; padding: 12px 16px; border-radius: 14px; margin-bottom: 18px; box-shadow: var(--shadow-sm); }
.footer-logo-plate img { height: 50px; width: auto; display: block; }
.footer-brand p { color: #9fb0cc; max-width: 340px; margin-bottom: 14px; }
.footer-license { display: inline-flex; align-items: center; gap: 8px; color: var(--gold-soft); font-size: .88rem; }
.footer-license .ic { color: var(--gold); }
.footer-col h4 { color: #fff; font-size: 1.02rem; margin-bottom: 18px; letter-spacing: .3px; }
.footer-col ul { display: grid; gap: 11px; }
.footer-col a { color: #a9b8d2; transition: color .2s, padding-left .2s; }
.footer-col a:hover { color: var(--gold-soft); padding-left: 4px; }
.footer-contact li { display: flex; align-items: center; gap: 10px; }
.footer-contact .ic { color: var(--gold); flex: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 22px 0; }
.footer-bottom .container { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; }
.footer-bottom p { color: #7e8eac; font-size: .86rem; }
.footer-disclaimer { opacity: .8; }

/* ---------- Floating elements ---------- */
.float-wa { position: fixed; right: 22px; bottom: 22px; z-index: 900; display: grid; place-items: center; width: 60px; height: 60px; border-radius: 50%; background: var(--wa); color: #fff; box-shadow: 0 10px 30px rgba(37,211,102,.5); transition: transform .25s; }
.float-wa .ic { width: 32px; height: 32px; }
.float-wa:hover { transform: scale(1.08); }
.float-wa-pulse { position: absolute; inset: 0; border-radius: 50%; box-shadow: 0 0 0 0 rgba(37,211,102,.55); animation: pulse 2.2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 18px rgba(37,211,102,0); } 100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); } }

.back-top { position: fixed; right: 24px; bottom: 92px; z-index: 880; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: var(--gold); border: none; cursor: pointer; box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(10px); transition: .3s; }
.back-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-top:hover { background: var(--royal); }

.mobile-cta-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 950; display: none; grid-template-columns: 1fr 1fr 1fr; gap: 1px; background: var(--grey-200); box-shadow: 0 -6px 20px rgba(10,31,68,.12); }
.mcta { display: flex; align-items: center; justify-content: center; gap: 7px; padding: 14px 6px; font-weight: 700; font-size: .9rem; background: #fff; color: var(--navy); }
.mcta .ic { width: 1.15em; height: 1.15em; }
.mcta-wa { background: var(--wa); color: #fff; }
.mcta-apply { background: linear-gradient(135deg, var(--gold-soft), var(--gold)); color: var(--navy); }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal:nth-child(2) { transition-delay: .06s; }
.reveal:nth-child(3) { transition-delay: .12s; }
.reveal:nth-child(4) { transition-delay: .18s; }
.reveal:nth-child(5) { transition-delay: .24s; }
.reveal:nth-child(6) { transition-delay: .3s; }

/* ---------- Apply / enquiry form ---------- */
.apply { background: linear-gradient(180deg, var(--grey-bg), #fff); }
.apply-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 48px; align-items: center; }
.apply-copy h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); margin: 8px 0 14px; }
.apply-copy > p { color: var(--text-soft); margin-bottom: 22px; }
.apply-points { display: grid; gap: 12px; margin-bottom: 22px; }
.apply-points li { display: flex; align-items: center; gap: 11px; font-weight: 500; }
.apply-points .ic { color: var(--gold-deep); flex: none; }
.apply-or { color: var(--text-mute); font-size: .96rem; }
.apply-or a { color: var(--royal); font-weight: 600; }
.apply-card { background: #fff; border: 1px solid var(--grey-100); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: clamp(24px, 3.5vw, 38px); }
.apply-card h3 { font-size: 1.4rem; }
.apply-card-sub { color: var(--text-mute); margin: 6px 0 24px; font-size: .96rem; }
.form-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.field { display: flex; flex-direction: column; gap: 7px; text-align: left; }
.field label { font-weight: 600; font-size: .86rem; color: var(--navy); }
.field .req { color: #dc2626; }
.field .optional { color: var(--text-mute); font-weight: 500; font-size: .82em; }
.field input, .field select { width: 100%; padding: 13px 15px; border: 1.5px solid var(--grey-200); border-radius: 10px; font-family: inherit; font-size: .96rem; color: var(--text); background: #fff; transition: border-color .2s, box-shadow .2s; }
.field input::placeholder { color: #9aa3b2; }
.field input:focus, .field select:focus { outline: none; border-color: var(--royal); box-shadow: 0 0 0 3px rgba(21,61,122,.12); }
.field select { appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23B9962B' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; }
.form-submit { margin-top: 22px; }
.form-note { font-size: .8rem; color: var(--text-mute); text-align: center; margin-top: 12px; }
.form-note a { color: var(--royal); text-decoration: underline; }
.form-status { margin-top: 14px; border-radius: 10px; font-size: .94rem; font-weight: 500; text-align: center; }
.form-status.success { padding: 14px 16px; background: #E9F9EF; color: #14794a; border: 1px solid #B7E7CC; }
.form-status.error { padding: 14px 16px; background: #FDECEC; color: #b42318; border: 1px solid #F6C9C6; }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1024px) {
  /* --- layout: stack hero, eligibility & apply form on tablet / iPad --- */
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; max-width: 460px; margin: 0 auto; }
  .hero-img-wrap { aspect-ratio: 5/4; }
  .float-card small { display: none; }
  .float-card { padding: 10px 13px; gap: 9px; animation-duration: 6s; }
  .float-card .fc-ic { width: 34px; height: 34px; }
  .float-card .fc-ic .ic { width: 18px; height: 18px; }
  .float-card strong { font-size: .82rem; }
  .fc-1 { top: 3%; left: 0; right: auto; }
  .fc-2 { top: 27%; right: 0; left: auto; }
  .fc-3 { top: auto; bottom: 24%; left: 0; right: auto; }
  .fc-4 { top: auto; bottom: 2%; right: 0; left: auto; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .industry-grid { grid-template-columns: repeat(4, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .elig-grid { grid-template-columns: 1fr; gap: 32px; }
  .elig-visual { order: -1; max-width: 480px; margin-inline: auto; }
  .apply-grid { grid-template-columns: 1fr; gap: 36px; }
  .apply-card { max-width: 560px; margin-inline: auto; width: 100%; }

  /* === center EVERYTHING on iPad & mobile === */
  .hero-copy, .elig-copy, .solution-body, .why-card, .apply-copy, .apply-card,
  .footer-brand, .footer-col, .tcard { text-align: center; }
  .hero-copy, .elig-copy, .apply-copy, .why-card, .footer-brand,
  .solution-body { display: flex; flex-direction: column; align-items: center; }
  .eyebrow { align-self: center; }
  .hero-copy .lead, .apply-copy > p, .footer-brand p { margin-inline: auto; }
  .trust-points { justify-items: center; max-width: 540px; margin-inline: auto; }
  .trust-points li, .feature-list li, .check-list li,
  .apply-points li, .footer-contact li, .footer-license { justify-content: center; }
  .hero-actions, .hero-microtrust, .how-cta { justify-content: center; }
  .check-list li:hover { transform: none; }
  .check-list { max-width: 480px; margin-inline: auto; width: 100%; }
  .why-ic { margin-inline: auto; }
  .footer-col a:hover { padding-left: 0; }
  .footer-bottom .container { justify-content: center; text-align: center; }
  .tcard .stars, .tperson { justify-content: center; }
  .acc-head { justify-content: center; gap: 12px; }
  .acc-body p { text-align: center; }
}

@media (max-width: 860px) {
  .main-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .solution-grid { grid-template-columns: 1fr; max-width: 480px; margin-inline: auto; }
  .timeline { grid-template-columns: 1fr 1fr; gap: 36px 20px; }
  .counters { grid-template-columns: 1fr 1fr; gap: 36px 20px; }
  .counter:nth-child(2)::after { display: none; }
  .form-fields { grid-template-columns: 1fr; }
  .mobile-cta-bar { display: grid; }
  .float-wa { bottom: 78px; }
  .back-top { bottom: 146px; }
  body { padding-bottom: 0; }
}

/* Hide the hero image (with floating cards) on phones only — keep on iPad & laptop */
@media (max-width: 767px) {
  .hero-visual { display: none; }
  .hero { padding-top: calc(var(--header-h) + 36px); }
}

@media (max-width: 560px) {
  body { font-size: 16px; }
  .container { padding-inline: 18px; }
  .why-grid { grid-template-columns: 1fr; max-width: 420px; margin-inline: auto; }
  .industry-grid { grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .trust-points { grid-template-columns: 1fr; }
  .hero-actions .btn, .final-actions .btn { width: 100%; }
  .timeline { grid-template-columns: 1fr; max-width: 340px; margin-inline: auto; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom .container { flex-direction: column; }
  .industry { padding: 20px 8px; }
}

/* ---------- Legal pages (privacy / terms) ---------- */
.legal-header { position: sticky; top: 0; z-index: 100; background: #fff; border-bottom: 1px solid var(--grey-100); box-shadow: var(--shadow-sm); }
.legal-header .container { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.legal-header img { height: 40px; }
.legal-header a.back { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); }
.legal-hero { background: linear-gradient(135deg, var(--royal), var(--navy)); color: #fff; padding: 56px 0; }
.legal-hero h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.6rem); }
.legal-hero p { color: #c6d2e8; margin-top: 8px; }
.legal-body { padding: 56px 0 80px; }
.legal-body .container { max-width: 840px; }
.legal-note { background: #FFF8E6; border: 1px solid #F0DFA8; border-radius: 12px; padding: 16px 20px; color: #6b5a1e; margin-bottom: 36px; font-size: .96rem; }
.legal-body h2 { font-size: 1.3rem; margin: 34px 0 12px; }
.legal-body p, .legal-body li { color: var(--text-soft); }
.legal-body ul { list-style: disc; padding-left: 22px; display: grid; gap: 8px; margin: 12px 0; }
.legal-body p { margin-bottom: 14px; }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .float-card { animation: none; }
}