/* ============================================================
   Instant Loan Financial Company — Design System
   Display: Space Grotesk | Body: Inter | Data: IBM Plex Mono
   ============================================================ */

:root{
  --primary:#0B63F6;
  --primary-dark:#0A4FC4;
  --primary-light:#4C8DFF;
  --secondary:#1E293B;
  --accent:#10B981;
  --accent-dark:#0C8F65;
  --bg:#F8FAFC;
  --bg-alt:#EEF2F8;
  --card:#FFFFFF;
  --ink:#0F172A;
  --muted:#5B6B82;
  --line:rgba(15,23,42,0.08);
  --radius-sm:10px;
  --radius-md:16px;
  --radius-lg:24px;
  --radius-xl:32px;
  --shadow-sm:0 2px 8px rgba(15,23,42,0.06);
  --shadow-md:0 8px 24px rgba(15,23,42,0.08);
  --shadow-lg:0 24px 60px rgba(15,23,42,0.12);
  --shadow-primary:0 12px 32px rgba(11,99,246,0.25);
  --gradient-primary:linear-gradient(135deg,#0B63F6 0%,#4C8DFF 50%,#10B981 100%);
  --gradient-dark:linear-gradient(135deg,#0F172A 0%,#1E293B 60%,#0B63F6 130%);
  --font-display:'Space Grotesk',sans-serif;
  --font-body:'Inter',sans-serif;
  --font-mono:'IBM Plex Mono',monospace;
  --nav-h:84px;
  --ease:cubic-bezier(.22,1,.36,1);
}

[data-theme="dark"]{
  --bg:#0B1220;
  --bg-alt:#0F1A2E;
  --card:#131F35;
  --ink:#F1F5F9;
  --muted:#94A3B8;
  --line:rgba(255,255,255,0.08);
  --secondary:#E2E8F0;
  --shadow-sm:0 2px 8px rgba(0,0,0,0.3);
  --shadow-md:0 8px 24px rgba(0,0,0,0.35);
  --shadow-lg:0 24px 60px rgba(0,0,0,0.45);
}

*{box-sizing:border-box;}

html{scroll-behavior:smooth;}

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

body{
  font-family:var(--font-body);
  background:var(--bg);
  color:var(--ink);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  transition:background .35s var(--ease), color .35s var(--ease);
}

h1,h2,h3,h4,.display{
  font-family:var(--font-display);
  letter-spacing:-0.02em;
  color:var(--ink);
  font-weight:600;
}

.font-mono{font-family:var(--font-mono);}

.text-muted-custom{color:var(--muted) !important;}

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

img{max-width:100%;}

::selection{background:var(--primary);color:#fff;}

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

.container-xl{max-width:1280px;margin:0 auto;padding:0 24px;}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-mono);
  font-size:0.75rem;
  letter-spacing:0.12em;
  text-transform:uppercase;
  color:var(--primary);
  background:rgba(11,99,246,0.08);
  padding:6px 14px;
  border-radius:100px;
  margin-bottom:18px;
}
.eyebrow::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px rgba(16,185,129,0.18);}

section{padding:110px 0;position:relative;}
@media(max-width:768px){section{padding:70px 0;}}

.section-head{max-width:640px;margin-bottom:56px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(1.9rem,3.2vw,2.75rem);line-height:1.1;margin-bottom:16px;}
.section-head p{color:var(--muted);font-size:1.08rem;line-height:1.65;}

/* ============ LOADING SCREEN ============ */
#loader{
  position:fixed;inset:0;z-index:9999;
  background:var(--secondary);
  display:flex;align-items:center;justify-content:center;flex-direction:column;
  transition:opacity .6s var(--ease), visibility .6s var(--ease);
}
#loader.hidden{opacity:0;visibility:hidden;pointer-events:none;}
.loader-mark{font-family:var(--font-display);font-size:2rem;color:#fff;letter-spacing:-0.03em;margin-bottom:22px;display:flex;align-items:center;gap:10px;}
.loader-mark .dot{width:10px;height:10px;border-radius:50%;background:var(--accent);animation:pulse-dot 1.2s ease-in-out infinite;}
.loader-bar{width:200px;height:2px;background:rgba(255,255,255,0.15);border-radius:2px;overflow:hidden;}
.loader-bar span{display:block;height:100%;width:0%;background:var(--gradient-primary);animation:loadbar 1.4s var(--ease) forwards;}
@keyframes loadbar{to{width:100%;}}
@keyframes pulse-dot{0%,100%{transform:scale(1);opacity:1;}50%{transform:scale(1.4);opacity:0.6;}}

/* ============ NAVBAR ============ */
.navbar-mc{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  height:var(--nav-h);
  display:flex;align-items:center;
  background:transparent;
  transition:background .4s var(--ease), box-shadow .4s var(--ease), height .3s var(--ease), backdrop-filter .4s ease;
}
.navbar-mc.scrolled{
  height:68px;
  background:rgba(248,250,252,0.75);
  backdrop-filter:blur(16px) saturate(160%);
  -webkit-backdrop-filter:blur(16px) saturate(160%);
  box-shadow:0 1px 0 var(--line), 0 12px 32px rgba(15,23,42,0.06);
}
[data-theme="dark"] .navbar-mc.scrolled{background:rgba(11,18,32,0.75);}
.navbar-mc .nav-inner{width:100%;display:flex;align-items:center;justify-content:space-between;}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:1.35rem;color:var(--ink);}
.brand .brand-mark{
  width:38px;height:38px;border-radius:10px;
  background:var(--gradient-primary);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:700;font-size:1.1rem;
  box-shadow:var(--shadow-primary);
  position:relative;overflow:hidden;
}
.brand .brand-mark::after{content:'';position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,0.5) 50%,transparent 70%);transform:translateX(-100%);animation:sheen 5s ease-in-out infinite;}
@keyframes sheen{0%,60%{transform:translateX(-120%);}80%{transform:translateX(120%);}100%{transform:translateX(120%);}}
.brand small{display:block;font-family:var(--font-mono);font-size:0.6rem;letter-spacing:0.14em;color:var(--muted);font-weight:500;text-transform:uppercase;}

.nav-links{display:flex;align-items:center;gap:6px;}
.nav-links a{
  padding:10px 16px;border-radius:100px;font-size:0.94rem;font-weight:500;color:var(--secondary);
  transition:all .25s var(--ease);position:relative;
}
.nav-links a:hover{background:rgba(11,99,246,0.08);color:var(--primary);}

.nav-actions{display:flex;align-items:center;gap:10px;}

.theme-toggle{
  width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:var(--card);
  display:flex;align-items:center;justify-content:center;cursor:pointer;color:var(--secondary);
  transition:all .25s var(--ease);
}
.theme-toggle:hover{border-color:var(--primary);color:var(--primary);transform:translateY(-2px);}

.btn{
  font-family:var(--font-body);font-weight:600;font-size:0.94rem;
  padding:12px 24px;border-radius:100px;border:none;cursor:pointer;
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  transition:all .3s var(--ease);white-space:nowrap;
}
.btn-primary{background:var(--gradient-primary);color:#fff;box-shadow:var(--shadow-primary);background-size:160% 160%;background-position:0% 50%;}
.btn-primary:hover{background-position:100% 50%;transform:translateY(-3px);box-shadow:0 18px 40px rgba(11,99,246,0.35);color:#fff;}
.btn-outline{background:transparent;border:1.5px solid var(--line);color:var(--ink);}
.btn-outline:hover{border-color:var(--primary);color:var(--primary);background:rgba(11,99,246,0.06);}
.btn-dark{background:var(--secondary);color:#fff;}
.btn-dark:hover{background:var(--ink);transform:translateY(-3px);}
.btn-sm{padding:9px 18px;font-size:0.85rem;}
.btn-block{width:100%;}

.navbar-toggler-mc{display:none;width:40px;height:40px;border-radius:10px;border:1px solid var(--line);background:var(--card);align-items:center;justify-content:center;cursor:pointer;}
.navbar-toggler-mc span{display:block;width:18px;height:2px;background:var(--ink);position:relative;transition:all .3s;}
.navbar-toggler-mc span::before,.navbar-toggler-mc span::after{content:'';position:absolute;left:0;width:18px;height:2px;background:var(--ink);transition:all .3s;}
.navbar-toggler-mc span::before{top:-6px;}
.navbar-toggler-mc span::after{top:6px;}

.mobile-panel{
  position:fixed;top:0;right:0;bottom:0;width:min(320px,86vw);background:var(--card);z-index:1100;
  transform:translateX(100%);transition:transform .4s var(--ease);box-shadow:var(--shadow-lg);
  padding:28px 26px;display:flex;flex-direction:column;gap:6px;
}
.mobile-panel.open{transform:translateX(0);}
.mobile-panel a{padding:14px 6px;border-bottom:1px solid var(--line);font-weight:500;}
.mobile-backdrop{position:fixed;inset:0;background:rgba(15,23,42,0.5);z-index:1090;opacity:0;visibility:hidden;transition:all .35s var(--ease);}
.mobile-backdrop.open{opacity:1;visibility:visible;}

@media(max-width:991px){
  .nav-links{display:none;}
  .nav-actions .btn-outline{display:none;}
  .navbar-toggler-mc{display:flex;}
}

/* ============ HERO ============ */
.hero{
  padding-top:calc(var(--nav-h) + 70px);
  padding-bottom:80px;
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(11,99,246,0.10), transparent 60%),
    radial-gradient(900px 500px at -10% 30%, rgba(16,185,129,0.08), transparent 60%);
}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 70% 60% at 60% 20%,#000 30%,transparent 75%);opacity:0.6;pointer-events:none;}
.hero-row{display:grid;grid-template-columns:1.05fr 0.95fr;gap:48px;align-items:center;position:relative;z-index:2;}
@media(max-width:991px){.hero-row{grid-template-columns:1fr;}}

.hero h1{font-size:clamp(2.4rem,5vw,3.75rem);line-height:1.05;margin-bottom:22px;}
.hero h1 .grad{background:var(--gradient-primary);-webkit-background-clip:text;background-clip:text;color:transparent;}
.hero p.lead{font-size:1.15rem;color:var(--muted);line-height:1.7;max-width:520px;margin-bottom:34px;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px;}

.hero-stats{display:flex;gap:38px;flex-wrap:wrap;}
.hero-stat b{font-family:var(--font-display);font-size:2rem;display:block;line-height:1;color:var(--ink);}
.hero-stat span{font-size:0.82rem;color:var(--muted);}

.hero-visual{position:relative;height:520px;}
@media(max-width:991px){.hero-visual{height:400px;margin-top:20px;}}
.hero-orb{
  position:absolute;width:100%;height:100%;border-radius:var(--radius-xl);
  background:var(--gradient-dark);
  box-shadow:var(--shadow-lg);
  overflow:hidden;
}
.hero-orb svg{position:absolute;inset:0;width:100%;height:100%;}
.hero-orb .globe-dot{fill:var(--accent);}

.float-card{
  position:absolute;background:var(--card);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);
  padding:16px 18px;display:flex;align-items:center;gap:12px;
  border:1px solid var(--line);
  animation:float 6s ease-in-out infinite;
  backdrop-filter:blur(10px);
}
.float-card .fc-ic{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.float-card .fc-title{font-weight:600;font-size:0.88rem;color:var(--ink);}
.float-card .fc-sub{font-size:0.74rem;color:var(--muted);font-family:var(--font-mono);}
.float-card.fc-1{top:6%;left:-4%;animation-delay:0s;}
.float-card.fc-2{bottom:14%;right:-6%;animation-delay:1.5s;}
.float-card.fc-3{bottom:-4%;left:8%;animation-delay:3s;}
@media(max-width:991px){.float-card.fc-1{left:0;}.float-card.fc-2{right:0;}.float-card.fc-3{left:2%;}}
@keyframes float{0%,100%{transform:translateY(0);}50%{transform:translateY(-14px);}}

/* Global ticker — signature element */
.ticker-wrap{
  margin-top:52px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  padding:16px 0;overflow:hidden;position:relative;
}
.ticker-wrap::before,.ticker-wrap::after{content:'';position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none;}
.ticker-wrap::before{left:0;background:linear-gradient(90deg,var(--bg),transparent);}
.ticker-wrap::after{right:0;background:linear-gradient(270deg,var(--bg),transparent);}
.ticker-track{display:flex;gap:40px;width:max-content;animation:ticker-scroll 32s linear infinite;}
.ticker-wrap:hover .ticker-track{animation-play-state:paused;}
.ticker-item{display:flex;align-items:center;gap:10px;font-family:var(--font-mono);font-size:0.82rem;color:var(--muted);white-space:nowrap;}
.ticker-item .tk-dot{width:7px;height:7px;border-radius:50%;background:var(--accent);}
.ticker-item b{color:var(--ink);font-weight:600;}
@keyframes ticker-scroll{from{transform:translateX(0);}to{transform:translateX(-50%);}}

/* ============ CARDS / FEATURES ============ */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
@media(max-width:991px){.feature-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:576px){.feature-grid{grid-template-columns:1fr;}}

.feature-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:32px 28px;transition:all .35s var(--ease);position:relative;overflow:hidden;
}
.feature-card::before{content:'';position:absolute;inset:0;background:var(--gradient-primary);opacity:0;transition:opacity .35s;}
.feature-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:transparent;}
.feature-card:hover::before{opacity:1;}
.feature-card > *{position:relative;z-index:1;}
.feature-card:hover h3,.feature-card:hover p,.feature-card:hover .feat-ic{color:#fff !important;}
.feature-card:hover .feat-ic{background:rgba(255,255,255,0.18) !important;}
.feat-ic{width:52px;height:52px;border-radius:14px;background:rgba(11,99,246,0.08);color:var(--primary);display:flex;align-items:center;justify-content:center;margin-bottom:20px;transition:all .35s var(--ease);}
.feature-card h3{font-size:1.15rem;margin-bottom:10px;transition:color .35s;}
.feature-card p{color:var(--muted);font-size:0.94rem;line-height:1.6;margin:0;transition:color .35s;}

/* ============ LOAN PRODUCTS ============ */
.loan-scroll{display:flex;gap:22px;overflow-x:auto;padding:8px 4px 28px;scroll-snap-type:x mandatory;}
.loan-scroll::-webkit-scrollbar{height:6px;}
.loan-scroll::-webkit-scrollbar-thumb{background:var(--line);border-radius:10px;}
.loan-card{
  min-width:290px;scroll-snap-align:start;background:var(--card);border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:28px;display:flex;flex-direction:column;
  transition:all .35s var(--ease);
}
.loan-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-6px);border-color:var(--primary-light);}
.loan-tag{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:rgba(16,185,129,0.1);color:var(--accent-dark);margin-bottom:18px;}
.loan-card h3{font-size:1.2rem;margin-bottom:8px;}
.loan-card p.desc{color:var(--muted);font-size:0.9rem;line-height:1.55;margin-bottom:20px;min-height:64px;}
.loan-meta{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:22px;padding-top:18px;border-top:1px solid var(--line);}
.loan-meta div span{display:block;font-size:0.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:0.06em;margin-bottom:3px;}
.loan-meta div b{font-family:var(--font-mono);font-size:0.98rem;color:var(--ink);}
.loan-card .btn{margin-top:auto;}

/* ============ CALCULATOR ============ */
.calc-panel{
  background:var(--gradient-dark);border-radius:var(--radius-xl);padding:52px;color:#fff;
  position:relative;overflow:hidden;box-shadow:var(--shadow-lg);
}
.calc-panel::before{content:'';position:absolute;top:-40%;right:-10%;width:500px;height:500px;background:radial-gradient(circle,rgba(16,185,129,0.25),transparent 65%);}
@media(max-width:768px){.calc-panel{padding:32px 22px;}}
.calc-row{display:grid;grid-template-columns:1.1fr 0.9fr;gap:48px;position:relative;z-index:1;}
@media(max-width:900px){.calc-row{grid-template-columns:1fr;}}
.calc-field{margin-bottom:26px;}
.calc-field label{display:flex;justify-content:space-between;font-size:0.85rem;color:rgba(255,255,255,0.7);margin-bottom:10px;font-family:var(--font-mono);}
.calc-field label b{color:#fff;font-family:var(--font-mono);}
.calc-field input[type="range"]{
  width:100%;-webkit-appearance:none;height:5px;border-radius:5px;background:rgba(255,255,255,0.18);outline:none;
}
.calc-field input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--accent);cursor:pointer;box-shadow:0 0 0 6px rgba(16,185,129,0.2);}
.calc-field input[type="range"]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--accent);cursor:pointer;border:none;}
.calc-result{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.14);border-radius:var(--radius-lg);padding:32px;backdrop-filter:blur(10px);}
.calc-result .big{font-family:var(--font-mono);font-size:2.6rem;font-weight:600;line-height:1;margin-bottom:6px;}
.calc-result .sub-label{font-size:0.8rem;color:rgba(255,255,255,0.65);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:28px;}
.calc-breakdown{display:flex;justify-content:space-between;padding:14px 0;border-top:1px solid rgba(255,255,255,0.12);font-size:0.92rem;}
.calc-breakdown b{font-family:var(--font-mono);}

/* ============ TIMELINE (process) ============ */
.process-line{position:relative;}
.process-track{position:absolute;top:34px;left:0;right:0;height:2px;background:var(--line);}
.process-track-fill{position:absolute;top:0;left:0;height:100%;width:0;background:var(--gradient-primary);transition:width 1.4s var(--ease);}
.process-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;position:relative;}
@media(max-width:900px){.process-steps{grid-template-columns:1fr;}.process-track{display:none;}}
.process-step{text-align:center;}
@media(max-width:900px){.process-step{text-align:left;display:flex;gap:18px;align-items:flex-start;}}
.process-num{
  width:68px;height:68px;border-radius:50%;background:var(--card);border:2px solid var(--line);
  display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-family:var(--font-mono);
  font-weight:600;font-size:1.1rem;color:var(--primary);position:relative;z-index:1;transition:all .4s var(--ease);flex-shrink:0;
}
.process-step.active .process-num{background:var(--gradient-primary);color:#fff;border-color:transparent;box-shadow:var(--shadow-primary);}
.process-step h4{font-size:1.02rem;margin-bottom:8px;}
.process-step p{font-size:0.85rem;color:var(--muted);line-height:1.5;}

/* ============ ELIGIBILITY ============ */
.elig-panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-xl);padding:48px;box-shadow:var(--shadow-sm);}
.elig-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:18px 32px;}
@media(max-width:700px){.elig-list{grid-template-columns:1fr;}}
.elig-list li{display:flex;gap:14px;align-items:flex-start;font-size:0.98rem;}
.elig-check{width:26px;height:26px;border-radius:50%;background:rgba(16,185,129,0.12);color:var(--accent-dark);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;}

/* ============ SECURITY ============ */
.security-row{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
@media(max-width:900px){.security-row{grid-template-columns:1fr;}}
.sec-item{display:flex;gap:18px;padding:22px 0;border-bottom:1px solid var(--line);}
.sec-item:last-child{border-bottom:none;}
.sec-ic{width:48px;height:48px;border-radius:12px;background:rgba(11,99,246,0.08);color:var(--primary);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.sec-item h4{font-size:1.02rem;margin-bottom:6px;}
.sec-item p{color:var(--muted);font-size:0.9rem;margin:0;line-height:1.55;}
.badge-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px;}
.trust-badge{display:flex;align-items:center;gap:8px;padding:10px 16px;border:1px solid var(--line);border-radius:100px;font-size:0.8rem;font-family:var(--font-mono);color:var(--secondary);background:var(--card);}
.security-visual{background:var(--gradient-dark);border-radius:var(--radius-xl);height:440px;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-lg);}

/* ============ TESTIMONIALS ============ */
.testi-track-wrap{overflow:hidden;position:relative;}
.testi-track{display:flex;gap:24px;transition:transform .5s var(--ease);}
.testi-card{
  min-width:340px;max-width:340px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:30px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);
}
@media(max-width:420px){.testi-card{min-width:82vw;max-width:82vw;}}
.testi-stars{color:#F59E0B;font-size:0.9rem;margin-bottom:16px;letter-spacing:2px;}
.testi-card p.quote{font-size:0.96rem;line-height:1.65;color:var(--secondary);margin-bottom:22px;flex-grow:1;}
.testi-person{display:flex;align-items:center;gap:12px;}
.testi-avatar{width:46px;height:46px;border-radius:50%;background:var(--gradient-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;font-family:var(--font-display);flex-shrink:0;}
.testi-person b{display:block;font-size:0.92rem;}
.testi-person span{font-size:0.78rem;color:var(--muted);}
.testi-controls{display:flex;justify-content:center;gap:12px;margin-top:36px;}
.testi-arrow{width:46px;height:46px;border-radius:50%;border:1px solid var(--line);background:var(--card);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:all .25s var(--ease);}
.testi-arrow:hover{background:var(--primary);color:#fff;border-color:var(--primary);}

/* ============ GLOBAL PRESENCE ============ */
.globe-panel{
  background:var(--gradient-dark);border-radius:var(--radius-xl);padding:60px;color:#fff;position:relative;overflow:hidden;
}
@media(max-width:768px){.globe-panel{padding:36px 22px;}}
.globe-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;z-index:1;}
@media(max-width:768px){.globe-stats{grid-template-columns:1fr 1fr;}}
.globe-stat b{font-family:var(--font-display);font-size:2.4rem;display:block;background:var(--gradient-primary);-webkit-background-clip:text;background-clip:text;color:transparent;}
.globe-stat span{font-size:0.82rem;color:rgba(255,255,255,0.65);}
.map-dots{position:absolute;inset:0;opacity:0.5;}

/* ============ FAQ PREVIEW & PAGE ============ */
.accordion-mc{border-radius:var(--radius-lg);overflow:hidden;}
.acc-item{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-md) !important;margin-bottom:14px;overflow:hidden;}
.acc-btn{
  width:100%;text-align:left;padding:22px 26px;background:none;border:none;display:flex;justify-content:space-between;
  align-items:center;gap:16px;cursor:pointer;font-weight:600;font-size:0.98rem;color:var(--ink);font-family:var(--font-body);
}
.acc-btn .plus{width:26px;height:26px;border-radius:50%;background:rgba(11,99,246,0.08);color:var(--primary);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s var(--ease);}
.acc-btn[aria-expanded="true"] .plus{transform:rotate(135deg);background:var(--primary);color:#fff;}
.acc-panel{max-height:0;overflow:hidden;transition:max-height .35s var(--ease);}
.acc-panel-inner{padding:0 26px 22px;color:var(--muted);font-size:0.93rem;line-height:1.7;}

/* ============ CTA ============ */
.cta-band{
  background:var(--gradient-primary);border-radius:var(--radius-xl);padding:70px 56px;color:#fff;
  position:relative;overflow:hidden;text-align:center;
}
@media(max-width:768px){.cta-band{padding:48px 24px;}}
.cta-band::before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,0.14) 1px,transparent 1px);background-size:22px 22px;opacity:0.5;}
.cta-band > *{position:relative;z-index:1;}
.cta-band h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:16px;}
.cta-band p{color:rgba(255,255,255,0.85);font-size:1.08rem;max-width:560px;margin:0 auto 32px;}
.cta-band .btn-outline{border-color:rgba(255,255,255,0.4);color:#fff;}
.cta-band .btn-outline:hover{background:rgba(255,255,255,0.15);border-color:#fff;}
.cta-band .btn-dark{background:#fff;color:var(--primary);}
.cta-band .btn-dark:hover{background:var(--secondary);color:#fff;}

/* ============ FOOTER ============ */
.footer-mc{background:var(--secondary);color:rgba(255,255,255,0.75);padding:80px 0 30px;}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1.3fr;gap:32px;margin-bottom:56px;}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr;}}
.footer-mc h5{color:#fff;font-size:0.86rem;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:20px;font-family:var(--font-mono);font-weight:500;}
.footer-mc ul{list-style:none;padding:0;margin:0;}
.footer-mc ul li{margin-bottom:12px;}
.footer-mc ul li a{font-size:0.92rem;color:rgba(255,255,255,0.68);transition:color .2s;}
.footer-mc ul li a:hover{color:#fff;}
.footer-brand p{font-size:0.9rem;line-height:1.65;color:rgba(255,255,255,0.6);margin:16px 0 22px;max-width:280px;}
.social-row{display:flex;gap:10px;}
.social-row a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,0.18);display:flex;align-items:center;justify-content:center;transition:all .25s var(--ease);}
.social-row a:hover{background:var(--primary);border-color:var(--primary);transform:translateY(-3px);}
.newsletter-form{display:flex;gap:8px;margin-top:8px;}
.newsletter-form input{flex:1;padding:12px 16px;border-radius:100px;border:1px solid rgba(255,255,255,0.18);background:rgba(255,255,255,0.06);color:#fff;font-size:0.88rem;}
.newsletter-form input::placeholder{color:rgba(255,255,255,0.4);}
.newsletter-form input:focus{outline:none;border-color:var(--accent);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.12);padding-top:26px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;font-size:0.82rem;color:rgba(255,255,255,0.5);}
.footer-bottom .legal-links{display:flex;gap:20px;}
.footer-bottom .legal-links a{color:rgba(255,255,255,0.5);}
.footer-bottom .legal-links a:hover{color:#fff;}

/* ============ SCROLL TOP ============ */
#scrollTop{
  position:fixed;bottom:26px;right:26px;width:48px;height:48px;border-radius:50%;background:var(--gradient-primary);
  color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-primary);
  border:none;cursor:pointer;z-index:900;opacity:0;visibility:hidden;transform:translateY(16px);
  transition:all .35s var(--ease);
}
#scrollTop.show{opacity:1;visibility:visible;transform:translateY(0);}
#scrollTop:hover{transform:translateY(-4px);}

/* ============ COOKIE BANNER ============ */
#cookieBanner{
  position:fixed;left:20px;right:20px;bottom:20px;max-width:560px;margin:0 auto;background:var(--card);
  border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:24px 26px;
  z-index:1200;display:flex;gap:18px;align-items:center;flex-wrap:wrap;
  transform:translateY(140%);transition:transform .5s var(--ease);
}
#cookieBanner.show{transform:translateY(0);}
#cookieBanner p{font-size:0.86rem;color:var(--muted);margin:0;flex:1;min-width:220px;}
#cookieBanner .cookie-actions{display:flex;gap:10px;}

/* ============ MODAL (Apply Now) ============ */
.modal-mc .modal-content{border-radius:var(--radius-lg);border:none;overflow:hidden;box-shadow:var(--shadow-lg);}
.modal-mc .modal-header{border-bottom:1px solid var(--line);padding:26px 30px;}
.modal-mc .modal-title{font-family:var(--font-display);font-size:1.3rem;}
.modal-mc .modal-body{padding:30px;}
.modal-mc .modal-footer{border-top:1px solid var(--line);padding:20px 30px;}
.form-label-mc{font-size:0.84rem;font-weight:600;color:var(--secondary);margin-bottom:6px;}
.form-control-mc,.form-select-mc{
  border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;font-size:0.94rem;background:var(--bg);color:var(--ink);
  transition:all .2s var(--ease);width:100%;
}
.form-control-mc:focus,.form-select-mc:focus{outline:none;border-color:var(--primary);background:var(--card);box-shadow:0 0 0 4px rgba(11,99,246,0.12);}
.form-step-indicator{display:flex;gap:6px;margin-bottom:26px;}
.form-step-indicator span{flex:1;height:4px;border-radius:4px;background:var(--line);}
.form-step-indicator span.active{background:var(--gradient-primary);}
.invalid-msg{font-size:0.78rem;color:#DC2626;margin-top:5px;display:none;}
.was-validated .invalid-msg,.field-error .invalid-msg{display:block;}
.field-error .form-control-mc,.field-error .form-select-mc{border-color:#DC2626;}
#applySuccess{display:none;text-align:center;padding:30px 10px;}
#applySuccess .succ-ic{width:74px;height:74px;border-radius:50%;background:rgba(16,185,129,0.12);color:var(--accent-dark);display:flex;align-items:center;justify-content:center;margin:0 auto 22px;}

/* ============ REVEAL ANIMATIONS ============ */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease), transform .7s var(--ease);}
.reveal.in{opacity:1;transform:translateY(0);}
.reveal-stagger > *{opacity:0;transform:translateY(24px);transition:opacity .6s var(--ease), transform .6s var(--ease);}
.reveal-stagger.in > *{opacity:1;transform:translateY(0);}
.reveal-stagger.in > *:nth-child(1){transition-delay:.05s;}
.reveal-stagger.in > *:nth-child(2){transition-delay:.12s;}
.reveal-stagger.in > *:nth-child(3){transition-delay:.19s;}
.reveal-stagger.in > *:nth-child(4){transition-delay:.26s;}
.reveal-stagger.in > *:nth-child(5){transition-delay:.33s;}
.reveal-stagger.in > *:nth-child(6){transition-delay:.40s;}
.reveal-stagger.in > *:nth-child(7){transition-delay:.47s;}
.reveal-stagger.in > *:nth-child(8){transition-delay:.54s;}

/* ============ MISC PAGE HERO (FAQ/Terms) ============ */
.page-hero{padding:calc(var(--nav-h) + 90px) 0 70px;background:var(--gradient-dark);color:#fff;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;top:-30%;right:-10%;width:600px;height:600px;background:radial-gradient(circle,rgba(11,99,246,0.35),transparent 65%);}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem);position:relative;z-index:1;}
.page-hero p{color:rgba(255,255,255,0.75);position:relative;z-index:1;max-width:600px;}

.search-box{position:relative;max-width:520px;}
.search-box input{width:100%;padding:16px 20px 16px 50px;border-radius:100px;border:1px solid var(--line);background:var(--card);font-size:0.96rem;color:var(--ink);box-shadow:var(--shadow-sm);}
.search-box input:focus{outline:none;border-color:var(--primary);}
.search-box .s-ic{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--muted);}

.faq-cat-nav{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:44px;}
.faq-cat-btn{padding:9px 18px;border-radius:100px;border:1px solid var(--line);background:var(--card);font-size:0.84rem;font-weight:500;cursor:pointer;transition:all .25s var(--ease);color:var(--secondary);}
.faq-cat-btn:hover{border-color:var(--primary);color:var(--primary);}
.faq-cat-btn.active{background:var(--gradient-primary);color:#fff;border-color:transparent;}
.faq-cat-title{font-family:var(--font-mono);font-size:0.8rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--primary);margin:44px 0 18px;}
.faq-cat-title:first-of-type{margin-top:0;}
.no-results{text-align:center;padding:60px 20px;color:var(--muted);display:none;}

/* ============ TERMS PAGE ============ */
.terms-layout{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start;}
@media(max-width:900px){.terms-layout{grid-template-columns:1fr;}}
.terms-toc{position:sticky;top:calc(var(--nav-h) + 24px);background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;max-height:75vh;overflow-y:auto;}
.terms-toc h6{font-family:var(--font-mono);font-size:0.75rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);margin-bottom:14px;}
.terms-toc ul{list-style:none;padding:0;margin:0;}
.terms-toc li a{display:block;padding:8px 10px;border-radius:8px;font-size:0.86rem;color:var(--secondary);margin-bottom:2px;transition:all .2s;}
.terms-toc li a:hover,.terms-toc li a.active{background:rgba(11,99,246,0.08);color:var(--primary);}
.terms-body{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:52px;}
@media(max-width:768px){.terms-body{padding:28px 22px;}}
.terms-body h2{font-size:1.35rem;margin:44px 0 16px;padding-top:20px;border-top:1px solid var(--line);}
.terms-body h2:first-child{margin-top:0;padding-top:0;border-top:none;}
.terms-body p{color:var(--secondary);line-height:1.8;margin-bottom:14px;font-size:0.96rem;}
.terms-body ul{color:var(--secondary);line-height:1.8;font-size:0.96rem;}
.terms-updated{font-family:var(--font-mono);font-size:0.8rem;color:var(--muted);margin-bottom:0;}

/* Toast */
.toast-mc{position:fixed;bottom:26px;left:26px;background:var(--secondary);color:#fff;padding:16px 22px;border-radius:14px;box-shadow:var(--shadow-lg);z-index:1300;display:flex;align-items:center;gap:12px;transform:translateY(140%);opacity:0;transition:all .4s var(--ease);font-size:0.9rem;max-width:340px;}
.toast-mc.show{transform:translateY(0);opacity:1;}
.toast-mc .t-ic{color:var(--accent);flex-shrink:0;}

hr.mc-hr{border-color:var(--line);opacity:1;}