/* ==========================================================================
   DREAMS FINANCIAL SOLUTIONS — STYLESHEET
   Modern, minimalist, conversion-focused design system.
   Built with plain CSS3 — no frameworks.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. DESIGN TOKENS
-------------------------------------------------------------------------- */
:root {
  /* Color palette */
  --navy-950: #060f1a;
  --navy-900: #0a1f33;
  --navy-800: #0f2a45;
  --navy-700: #163a5c;
  --navy-600: #1f4d78;

  --blue-accent: #2f6fed;
  --blue-accent-dark: #1e56c9;
  --blue-accent-light: #6fa1ff;

  --teal-accent: #14b8a6;
  --teal-accent-light: #5eead4;

  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f4f9;
  --gray-200: #e6eaf2;
  --gray-300: #d3dae6;
  --gray-400: #a3aec2;
  --gray-500: #7a8699;
  --gray-600: #5a6579;

  --text-dark: #0f1b2c;
  --text-body: #4b5670;
  --text-muted: #7c869a;

  /* Typography */
  --font-heading: 'Poppins', 'Segoe UI', sans-serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;
  --font-script: 'Pacifico', cursive;

  /* Radii */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --radius-full: 999px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(10, 31, 51, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 31, 51, 0.10);
  --shadow-lg: 0 20px 48px rgba(10, 31, 51, 0.16);
  --shadow-glow: 0 12px 40px rgba(47, 111, 237, 0.28);

  /* Motion */
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --transition-fast: 0.2s var(--ease);
  --transition-base: 0.35s var(--ease);
  --transition-slow: 0.6s var(--ease);

  /* Layout */
  --container-w: 1220px;
  --header-h: 84px;
}

/* --------------------------------------------------------------------------
   2. RESET & BASE
-------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

ul, ol { margin: 0; padding: 0; list-style: none; }

button { font-family: inherit; cursor: pointer; border: none; background: none; }

input, textarea { font-family: inherit; font-size: 1rem; }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--text-dark);
  line-height: 1.2;
  margin: 0 0 0.5em;
  font-weight: 700;
  letter-spacing: -0.01em;
}

p { margin: 0 0 1em; }

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

/* Skip link for accessibility */
.skip-link {
  position: absolute;
  top: -50px;
  left: 16px;
  background: var(--blue-accent);
  color: var(--white);
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  z-index: 10000;
  transition: top var(--transition-fast);
  font-weight: 600;
}
.skip-link:focus { top: 16px; }

:focus-visible {
  outline: 3px solid var(--blue-accent-light);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Utility */
.text-gradient {
  background: linear-gradient(100deg, var(--blue-accent-light), var(--teal-accent-light));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-accent);
  background: rgba(47, 111, 237, 0.08);
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 18px;
}
.eyebrow-light { color: var(--teal-accent-light); background: rgba(94, 234, 212, 0.12); }

.glass {
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid rgba(255, 255, 255, 0.5);
}

/* --------------------------------------------------------------------------
   3. BUTTONS
-------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast), color var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--blue-accent), var(--blue-accent-dark));
  color: var(--white);
  box-shadow: var(--shadow-glow);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 16px 48px rgba(47, 111, 237, 0.38); }
.btn-primary:active { transform: translateY(0); }

.btn-ghost {
  background: rgba(15, 27, 44, 0.04);
  color: var(--text-dark);
  border: 1px solid var(--gray-300);
}
.btn-ghost:hover { background: rgba(15, 27, 44, 0.08); transform: translateY(-2px); }

.btn-outline-light {
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: var(--white);
}
.btn-outline-light:hover { background: rgba(255, 255, 255, 0.1); }

.btn-lg { padding: 17px 34px; font-size: 1rem; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-block { width: 100%; }

/* --------------------------------------------------------------------------
   4. HEADER / NAVIGATION
-------------------------------------------------------------------------- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  display: flex;
  align-items: center;
  z-index: 1000;
  background: rgba(255, 255, 255, 0);
  transition: background var(--transition-base), box-shadow var(--transition-base), height var(--transition-base);
}
.site-header.scrolled {
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(16px) saturate(180%);
  -webkit-backdrop-filter: blur(16px) saturate(180%);
  box-shadow: var(--shadow-sm);
  height: 72px;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand-mark { width: 46px; height: 46px; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-script {
  font-family: var(--font-script);
  font-size: 1.55rem;
  color: var(--white);
  line-height: 1;
  transition: color var(--transition-base);
}
.brand-sub {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.68rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.62);
  margin-top: 2px;
  transition: color var(--transition-base);
}
.site-header.scrolled .brand-script { color: var(--navy-900); }
.site-header.scrolled .brand-sub { color: var(--text-muted); }

.main-nav ul { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  display: inline-block;
  padding: 10px 16px;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.88);
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), color var(--transition-fast);
  position: relative;
}
.main-nav a:hover { background: rgba(255, 255, 255, 0.1); color: var(--white); }
.site-header.scrolled .main-nav a { color: var(--text-dark); }
.site-header.scrolled .main-nav a:hover { background: rgba(47, 111, 237, 0.08); color: var(--blue-accent); }

/* The mobile dropdown panel is always a solid light surface (see .main-nav.open
   below), regardless of whether the header itself is transparent or scrolled —
   so its links must always use the dark palette for contrast. */
.main-nav.open a { color: var(--text-dark); }
.main-nav.open a:hover { background: rgba(47, 111, 237, 0.08); color: var(--blue-accent); }

.header-actions { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
}
.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition-fast), opacity var(--transition-fast), background var(--transition-base);
  margin: 0 auto;
}
.site-header.scrolled .nav-toggle span { background: var(--navy-900); }
/* When the mobile dropdown is open it renders as a solid light panel below the
   header bar itself, so once open we force the toggle icon dark regardless of
   scroll state for legibility against that panel's edge. */
.nav-toggle[aria-expanded="true"] span { background: var(--navy-900); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* --------------------------------------------------------------------------
   5. HERO
-------------------------------------------------------------------------- */
.hero {
  position: relative;
  padding: calc(var(--header-h) + 88px) 0 120px;
  overflow: hidden;
  background: var(--navy-900);
  isolation: isolate;
}

.hero-bg { position: absolute; inset: 0; z-index: -1; }
.hero-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 65%;
}
.hero-gradient {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 900px 600px at 82% -10%, rgba(47, 111, 237, 0.45), transparent 60%),
    radial-gradient(ellipse 700px 500px at -10% 90%, rgba(20, 184, 166, 0.3), transparent 60%),
    linear-gradient(160deg, rgba(6, 15, 26, 0.94) 0%, rgba(10, 31, 51, 0.92) 45%, rgba(15, 42, 69, 0.88) 100%);
}
.hero-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: 0.55;
}
.hero-glow-1 { width: 420px; height: 420px; top: -120px; right: 8%; background: var(--blue-accent); animation: float 12s ease-in-out infinite; }
.hero-glow-2 { width: 340px; height: 340px; bottom: -100px; left: 6%; background: var(--teal-accent); animation: float 14s ease-in-out infinite reverse; }
.hero-waves { position: absolute; bottom: -2px; left: 0; width: 100%; height: 160px; }

@keyframes float {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(-24px, 30px); }
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
  position: relative;
}

.hero-copy .eyebrow {
  background: rgba(111, 161, 255, 0.14);
  color: var(--blue-accent-light);
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.3rem, 4.2vw, 3.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}

.hero-lead {
  color: rgba(255, 255, 255, 0.72);
  font-size: 1.12rem;
  max-width: 540px;
  margin-bottom: 36px;
}

.hero-cta { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 48px; }
.hero-cta .btn-ghost { background: rgba(255, 255, 255, 0.06); color: var(--white); border-color: rgba(255, 255, 255, 0.18); }
.hero-cta .btn-ghost:hover { background: rgba(255, 255, 255, 0.12); }

.hero-trust {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.hero-trust-item { display: flex; flex-direction: column; gap: 4px; }
.hero-trust-item strong { font-family: var(--font-heading); color: var(--white); font-size: 1.15rem; }
.hero-trust-item span { color: rgba(255, 255, 255, 0.55); font-size: 0.82rem; }

/* Hero visual cards */
.hero-visual { position: relative; height: 460px; }
.hero-card {
  position: absolute;
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
}
.hero-card.glass {
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(255, 255, 255, 0.6);
}
.hero-visual > .hero-card:first-child {
  top: 30px; left: 10%;
  width: 78%;
  animation: floatCard 7s ease-in-out infinite;
}
.hero-card-float {
  bottom: 20px; right: 0;
  width: 62%;
  animation: floatCard 8s ease-in-out infinite 1s;
}
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

.hero-card-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.hero-card-label { font-size: 0.8rem; color: var(--text-muted); font-weight: 600; }
.pill {
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.pill-success { background: rgba(20, 184, 166, 0.14); color: #0d8f80; }

.hero-card-progress { height: 8px; background: var(--gray-200); border-radius: var(--radius-full); overflow: hidden; margin-bottom: 22px; }
.hero-card-progress-bar {
  height: 100%; width: 62%; border-radius: var(--radius-full);
  background: linear-gradient(90deg, var(--blue-accent), var(--teal-accent));
}

.hero-card-steps li {
  position: relative;
  padding: 8px 0 8px 30px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
}
.hero-card-steps li::before {
  content: '';
  position: absolute;
  left: 0; top: 12px;
  width: 16px; height: 16px;
  border-radius: 50%;
  border: 2px solid var(--gray-300);
  background: var(--white);
}
.hero-card-steps li.done { color: var(--text-dark); }
.hero-card-steps li.done::before { background: var(--teal-accent); border-color: var(--teal-accent); }
.hero-card-steps li.active { color: var(--blue-accent); font-weight: 700; }
.hero-card-steps li.active::before { background: var(--blue-accent); border-color: var(--blue-accent); box-shadow: 0 0 0 4px rgba(47,111,237,0.18); }

.hero-card-big { display: block; font-family: var(--font-heading); font-size: 2.1rem; color: var(--navy-900); margin: 6px 0 4px; }
.hero-card-note { font-size: 0.78rem; color: var(--text-muted); }

/* --------------------------------------------------------------------------
   6. SECTION HEAD (shared)
-------------------------------------------------------------------------- */
.section-head { max-width: 640px; margin: 0 auto 64px; text-align: center; }
.section-head h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); }
.section-lead { font-size: 1.05rem; color: var(--text-muted); }
.section-head-light h2 { color: var(--white); }
.section-lead-light { color: rgba(255, 255, 255, 0.62); }

section { padding: 110px 0; position: relative; }

/* --------------------------------------------------------------------------
   7. ABOUT
-------------------------------------------------------------------------- */
.about-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 72px;
  align-items: center;
}

.about-frame {
  position: relative;
  aspect-ratio: 1 / 1.05;
  overflow: visible;
}
.about-photo-main {
  position: relative;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}
.about-photo-accent {
  position: absolute;
  z-index: 2;
  width: 46%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: var(--radius-lg);
  border: 6px solid var(--white);
  box-shadow: var(--shadow-lg);
  bottom: -36px;
  right: -24px;
}
.about-stat-card {
  position: absolute;
  z-index: 3;
  padding: 20px 22px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  background: rgba(255, 255, 255, 0.92);
  min-width: 190px;
}
.about-stat-card strong { display: block; font-family: var(--font-heading); font-size: 1.4rem; color: var(--navy-900); }
.about-stat-card span { font-size: 0.82rem; color: var(--text-muted); }
.about-stat-card:first-of-type { bottom: -24px; left: -24px; }
.about-stat-card-alt { top: -24px; right: -24px; }

.about-copy h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); }
.about-pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 40px; }
.pillar-icon {
  width: 46px; height: 46px;
  border-radius: var(--radius-sm);
  background: rgba(47, 111, 237, 0.09);
  color: var(--blue-accent);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.pillar-icon svg { width: 22px; height: 22px; }
.pillar h3 { font-size: 1.02rem; margin-bottom: 8px; }
.pillar p { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 0; }

/* --------------------------------------------------------------------------
   7B. PROPERTY GALLERY
-------------------------------------------------------------------------- */
.property-gallery { background: var(--gray-50); }

.gallery-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.gallery-card {
  position: relative;
  margin: 0;
  aspect-ratio: 3 / 4;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.gallery-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform var(--transition-slow);
}
.gallery-card:hover img { transform: scale(1.08); }
.gallery-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(190deg, transparent 45%, rgba(6, 15, 26, 0.82) 100%);
  pointer-events: none;
}
.gallery-card figcaption {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  padding: 22px 20px;
  z-index: 1;
}
.gallery-card h3 {
  color: var(--white);
  font-size: 1.02rem;
  margin: 0;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.25);
}

/* --------------------------------------------------------------------------
   8. SERVICES
-------------------------------------------------------------------------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 34px 30px;
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(47,111,237,0.12), rgba(20,184,166,0.12));
  color: var(--blue-accent);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
  transition: transform var(--transition-base);
}
.service-icon svg { width: 24px; height: 24px; }
.service-card:hover .service-icon { transform: scale(1.08) rotate(-4deg); }
.service-card h3 { font-size: 1.12rem; margin-bottom: 10px; }
.service-card p { font-size: 0.92rem; color: var(--text-muted); margin-bottom: 20px; }
.service-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-heading); font-weight: 600; font-size: 0.88rem;
  color: var(--blue-accent);
}
.service-link svg { transition: transform var(--transition-fast); }
.service-link:hover svg { transform: translateX(4px); }

/* --------------------------------------------------------------------------
   9. BENEFITS (dark section)
-------------------------------------------------------------------------- */
.benefits {
  background: linear-gradient(170deg, var(--navy-950), var(--navy-900) 60%, var(--navy-800));
  position: relative;
}
.benefits::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 800px 500px at 90% 10%, rgba(20,184,166,0.14), transparent 60%);
  pointer-events: none;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
}
.benefit-card {
  background: rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  transition: background var(--transition-base), transform var(--transition-base), border-color var(--transition-base);
}
.benefit-card:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.18);
  transform: translateY(-4px);
}
.benefit-icon {
  width: 46px; height: 46px;
  border-radius: var(--radius-md);
  background: rgba(111, 161, 255, 0.14);
  color: var(--blue-accent-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.benefit-icon svg { width: 22px; height: 22px; }
.benefit-card h3 { color: var(--white); font-size: 1.02rem; margin-bottom: 8px; }
.benefit-card p { color: rgba(255,255,255,0.58); font-size: 0.9rem; margin-bottom: 0; }

/* --------------------------------------------------------------------------
   10. HOW IT WORKS
-------------------------------------------------------------------------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  counter-reset: step;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 34px; left: 8%; right: 8%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--gray-300) 0 10px, transparent 10px 18px);
  z-index: 0;
}
.step {
  position: relative;
  z-index: 1;
  background: var(--white);
  padding: 8px 6px 0;
}
.step-number {
  width: 68px; height: 68px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-accent), var(--teal-accent));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.25rem;
  box-shadow: var(--shadow-glow);
  margin-bottom: 22px;
}
.step h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step p { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 0; }

/* --------------------------------------------------------------------------
   11. TESTIMONIALS
-------------------------------------------------------------------------- */
.testimonials { background: var(--gray-50); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  margin: 0;
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.testimonial-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.stars { color: #f5a623; letter-spacing: 2px; margin-bottom: 16px; font-size: 0.95rem; }
.testimonial-card blockquote {
  margin: 0 0 24px;
  font-size: 0.98rem;
  color: var(--text-dark);
  font-style: italic;
  line-height: 1.7;
}
.testimonial-card figcaption { display: flex; align-items: center; gap: 12px; font-size: 0.88rem; color: var(--text-muted); }
.avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-accent), var(--teal-accent));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.testimonial-disclaimer { text-align: center; font-size: 0.8rem; color: var(--text-muted); margin: 40px 0 0; }

/* --------------------------------------------------------------------------
   12. FAQ
-------------------------------------------------------------------------- */
.faq-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 64px;
  align-items: start;
}
.faq-intro { position: sticky; top: 120px; }
.faq-intro h2 { font-size: clamp(1.8rem, 3vw, 2.3rem); }

.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 4px;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  color: var(--text-dark);
}
.faq-icon {
  position: relative;
  width: 22px; height: 22px;
  flex-shrink: 0;
}
.faq-icon::before, .faq-icon::after {
  content: '';
  position: absolute;
  background: var(--blue-accent);
  border-radius: 2px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
}
.faq-icon::before { width: 14px; height: 2px; }
.faq-icon::after { width: 2px; height: 14px; transition: transform var(--transition-fast); }
.faq-question[aria-expanded="true"] .faq-icon::after { transform: translate(-50%, -50%) rotate(90deg) scale(0); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-base), padding var(--transition-base);
}
.faq-answer p { padding: 0 4px 22px; color: var(--text-muted); font-size: 0.94rem; margin: 0; }
.faq-item.open .faq-answer { max-height: 240px; }

/* --------------------------------------------------------------------------
   13. CONTACT
-------------------------------------------------------------------------- */
.contact { background: var(--gray-50); }
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: start;
}
.contact-info h2 { font-size: clamp(1.8rem, 3vw, 2.3rem); }

.contact-details { margin: 36px 0; display: flex; flex-direction: column; gap: 22px; }
.contact-details li { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-md);
  background: rgba(47,111,237,0.09);
  color: var(--blue-accent);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-icon svg { width: 20px; height: 20px; }
.contact-details strong { display: block; font-family: var(--font-heading); font-size: 0.95rem; color: var(--text-dark); margin-bottom: 2px; }
.contact-details span, .contact-details a { font-size: 0.92rem; color: var(--text-muted); }
.contact-details a:hover { color: var(--blue-accent); }

.contact-map {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
}
.contact-map iframe { width: 100%; height: 280px; border: 0; display: block; }

.contact-form {
  padding: 40px;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}
.contact-form h3 { font-size: 1.3rem; margin-bottom: 26px; }

.form-row { margin-bottom: 20px; display: flex; flex-direction: column; gap: 8px; }
.form-row label {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--text-dark);
}
.form-row input, .form-row textarea {
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--gray-300);
  background: var(--white);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  resize: vertical;
}
.form-row input:focus, .form-row textarea:focus {
  outline: none;
  border-color: var(--blue-accent);
  box-shadow: 0 0 0 4px rgba(47, 111, 237, 0.12);
}
.form-row input.invalid, .form-row textarea.invalid { border-color: #e0455f; }
.form-error {
  font-size: 0.78rem;
  color: #e0455f;
  min-height: 1em;
  display: block;
}
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 6px;
  cursor: pointer;
}
.form-consent input { margin-top: 3px; accent-color: var(--blue-accent); }
.contact-form .btn-block { margin-top: 18px; }
.form-success {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  background: rgba(20, 184, 166, 0.12);
  color: #0d8f80;
  font-size: 0.9rem;
  font-weight: 600;
  text-align: center;
}

/* --------------------------------------------------------------------------
   14. FOOTER
-------------------------------------------------------------------------- */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,0.65); padding-top: 90px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
  gap: 48px;
  padding-bottom: 64px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .brand-mark { width: 40px; height: 40px; }
.footer-brand .brand { margin-bottom: 18px; }
.brand-sub-light { color: rgba(255,255,255,0.5); }
.footer-brand .brand-script { color: var(--white); }
.footer-brand p { font-size: 0.9rem; max-width: 320px; margin-bottom: 22px; }

.social-links { display: flex; gap: 10px; }
.social-link {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.16);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition-fast), border-color var(--transition-fast), transform var(--transition-fast);
}
.social-link svg { width: 16px; height: 16px; }
.social-link:hover { background: var(--blue-accent); border-color: var(--blue-accent); transform: translateY(-3px); }

.footer-links h4, .footer-contact h4 {
  color: var(--white);
  font-size: 0.92rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-links ul { display: flex; flex-direction: column; gap: 12px; }
.footer-links a { font-size: 0.9rem; transition: color var(--transition-fast); }
.footer-links a:hover { color: var(--white); }

.footer-contact address { font-style: normal; font-size: 0.9rem; line-height: 1.8; margin-bottom: 22px; }
.footer-contact a:hover { color: var(--white); }

.footer-bottom { padding: 26px 0; }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.8rem;
}
.footer-disclaimer { color: rgba(255,255,255,0.35); max-width: 520px; text-align: right; }

/* --------------------------------------------------------------------------
   15. BACK TO TOP
-------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-accent), var(--blue-accent-dark));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-glow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity var(--transition-base), transform var(--transition-base), visibility var(--transition-base);
  z-index: 900;
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { transform: translateY(-4px); }

/* --------------------------------------------------------------------------
   16. SCROLL REVEAL ANIMATIONS
-------------------------------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.in-view { opacity: 1; transform: translateY(0); }

.gallery-grid .gallery-card.reveal:nth-child(2) { transition-delay: 0.08s; }
.gallery-grid .gallery-card.reveal:nth-child(3) { transition-delay: 0.16s; }
.gallery-grid .gallery-card.reveal:nth-child(4) { transition-delay: 0.24s; }

.services-grid .service-card.reveal:nth-child(2) { transition-delay: 0.08s; }
.services-grid .service-card.reveal:nth-child(3) { transition-delay: 0.16s; }
.services-grid .service-card.reveal:nth-child(4) { transition-delay: 0.08s; }
.services-grid .service-card.reveal:nth-child(5) { transition-delay: 0.16s; }
.services-grid .service-card.reveal:nth-child(6) { transition-delay: 0.24s; }

.benefits-grid .benefit-card.reveal:nth-child(2) { transition-delay: 0.08s; }
.benefits-grid .benefit-card.reveal:nth-child(3) { transition-delay: 0.16s; }
.benefits-grid .benefit-card.reveal:nth-child(4) { transition-delay: 0.08s; }
.benefits-grid .benefit-card.reveal:nth-child(5) { transition-delay: 0.16s; }
.benefits-grid .benefit-card.reveal:nth-child(6) { transition-delay: 0.24s; }

.steps .step.reveal:nth-child(2) { transition-delay: 0.1s; }
.steps .step.reveal:nth-child(3) { transition-delay: 0.2s; }
.steps .step.reveal:nth-child(4) { transition-delay: 0.3s; }

.testimonials-grid .testimonial-card.reveal:nth-child(2) { transition-delay: 0.1s; }
.testimonials-grid .testimonial-card.reveal:nth-child(3) { transition-delay: 0.2s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* --------------------------------------------------------------------------
   17. RESPONSIVE
-------------------------------------------------------------------------- */
@media (max-width: 1100px) {
  .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .about-visual { max-width: 420px; margin: 0 auto 48px; }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-intro { position: static; margin-bottom: 40px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 48px; }
  .steps::before { display: none; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { height: 380px; margin-top: 20px; }
  .main-nav { display: none; }
  .nav-toggle { display: flex; }

  .main-nav.open {
    display: block;
    position: fixed;
    top: var(--header-h);
    left: 0; right: 0;
    background: rgba(255,255,255,0.98);
    backdrop-filter: blur(20px);
    box-shadow: var(--shadow-md);
    padding: 12px 24px 28px;
    max-height: calc(100vh - var(--header-h));
    overflow-y: auto;
    animation: slideDown 0.3s var(--ease);
  }
  .main-nav.open ul { flex-direction: column; align-items: stretch; gap: 4px; }
  .main-nav.open a { display: block; padding: 14px 16px; font-size: 1rem; border-radius: var(--radius-sm); }
  .header-actions .btn-primary.btn-sm { display: none; }
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 720px) {
  section { padding: 76px 0; }
  .section-head { margin-bottom: 44px; }
  .services-grid, .benefits-grid, .testimonials-grid, .steps { grid-template-columns: 1fr; }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .gallery-card { aspect-ratio: 1 / 1; }
  .about-pillars { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-bottom-inner { flex-direction: column; text-align: left; }
  .footer-disclaimer { text-align: left; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-trust { gap: 24px; }
  .contact-form { padding: 28px; }
  .about-stat-card { position: static; margin-top: 16px; }
  .about-photo-accent { position: static; width: 62%; margin: 16px 0 0 auto; }
  .about-frame { padding-bottom: 16px; display: flex; flex-direction: column; }
}

@media (max-width: 480px) {
  .brand-script { font-size: 1.25rem; }
  .brand-sub { font-size: 0.58rem; }
  .hero h1 { font-size: 2rem; }
  .hero-card { padding: 20px; }
}