/* ==========================================================================
   NG Fintech — global stylesheet
   ========================================================================== */

:root {
  --navy: #0b2545;
  --navy-dark: #071a33;
  --teal: #0d9488;
  --teal-dark: #0b7a70;
  --gold: #d4a017;
  --gold-dark: #b3860f;
  --bg-light: #f7f9fc;
  --bg-card: #ffffff;
  --text-main: #1c2b3a;
  --text-muted: #5b6b7b;
  --border: #e3e8ef;
  --success: #1e9e5a;
  --danger: #c0392b;
  --brand-red: #d3202f;
  --brand-red-light: #ff6b6b;
  --radius: 12px;
  --shadow: 0 4px 20px rgba(11, 37, 69, 0.08);
  --shadow-lg: 0 12px 40px rgba(11, 37, 69, 0.14);
  --font-head: 'Poppins', sans-serif;
  --font-body: 'Inter', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text-main);
  background: #fff;
  line-height: 1.6;
}
h1, h2, h3, h4, h5 { font-family: var(--font-head); color: var(--navy); margin: 0 0 .5em; line-height: 1.25; }
p { margin: 0 0 1em; }
a { color: var(--teal-dark); text-decoration: none; }
a:hover { color: var(--teal); }
ul { padding: 0; margin: 0; list-style: none; }
img { max-width: 100%; display: block; }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 20px;
}

section { padding: 70px 0; }
.section-alt { background: var(--bg-light); }
.section-navy {
  background:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,.06) 1.5px, transparent 0) 0 0/26px 26px,
    var(--navy);
  color: #dbe4f0; position: relative;
}
.section-navy h2, .section-navy h3 { color: #fff; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--teal-dark);
  background: rgba(13,148,136,.1);
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.eyebrow::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }

/* ---- Scroll reveal ---- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}
.section-head { text-align: center; max-width: 680px; margin: 0 auto 44px; }
.section-head p { color: var(--text-muted); }

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all .2s ease;
  text-align: center;
}
.btn-primary { background: var(--gold); color: var(--navy-dark); box-shadow: 0 6px 18px rgba(212,160,23,.28); }
.btn-primary:hover { background: var(--gold-dark); color: var(--navy-dark); transform: translateY(-2px); box-shadow: 0 10px 26px rgba(212,160,23,.38); }
.btn-ghost { background: transparent; border-color: rgba(255,255,255,.5); color: inherit; }
.btn-ghost:hover { background: rgba(255,255,255,.1); transform: translateY(-2px); }
.btn-outline { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; transform: translateY(-2px); }
.btn-block { display: block; width: 100%; }
.btn-lg { padding: 16px 34px; font-size: 17px; }

/* ---- Top bar ---- */
.topbar { background: var(--navy-dark); color: #cdd8e6; font-size: 13.5px; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; }
.topbar-contact a { color: #cdd8e6; margin-right: 22px; }
.topbar-contact a:hover { color: #fff; }
.topbar-note { color: #9fb2c8; }

/* ---- Header ---- */
.site-header { background: #fff; box-shadow: 0 2px 12px rgba(11,37,69,.06); position: sticky; top: 0; z-index: 500; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 8px 20px; }
.logo { display: flex; align-items: center; gap: 0; font-family: var(--font-head); font-weight: 700; font-size: 22px; color: var(--navy); transition: transform .2s ease; }
.logo:hover { transform: translateY(-1px); }
.logo-mark-img {
  flex-shrink: 0; width: 125px; height: 74px; object-fit: contain;
  filter: drop-shadow(0 3px 6px rgba(11,37,69,.18));
  transition: filter .2s ease;
}
.logo:hover .logo-mark-img { filter: drop-shadow(0 5px 10px rgba(11,37,69,.26)); }
.logo-text-wrap { display: flex; flex-direction: column; line-height: 1.05; white-space: nowrap; margin-left: -16px; position: relative; top: 10px; }
.logo-text {
  font-size: 27px; font-weight: 900; letter-spacing: -.02em;
  background: linear-gradient(120deg, #ef4444 0%, var(--brand-red) 55%, #a3121f 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--brand-red);
}
.logo-tagline {
  font-family: var(--font-body); font-weight: 800; font-size: 9.5px; letter-spacing: .07em;
  text-transform: uppercase; margin-top: 2px; white-space: nowrap;
}
.logo-tagline .tag-red { color: var(--brand-red); }
.logo-tagline .tag-gold { color: var(--gold-dark); }
.logo-tagline .tag-green { color: var(--teal-dark); }
.logo-footer { color: #fff; margin-bottom: 14px; }
.logo-footer .logo-mark-img { filter: drop-shadow(0 3px 8px rgba(0,0,0,.4)); }
.logo-footer .logo-text {
  background: linear-gradient(120deg, #ff8a8a 0%, var(--brand-red-light) 55%, #ff8a8a 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--brand-red-light);
}
.logo-footer .logo-tagline .tag-red { color: var(--brand-red-light); }
.logo-footer .logo-tagline .tag-gold { color: var(--gold); }
.logo-footer .logo-tagline .tag-green { color: #5eead4; }

.main-nav ul { display: flex; gap: 6px; align-items: center; }
.main-nav > ul > li > a { display: block; padding: 10px 14px; font-weight: 500; color: var(--text-main); border-radius: 6px; position: relative; transition: color .2s ease; }
.main-nav > ul > li > a::after {
  content: ''; position: absolute; left: 14px; right: 14px; bottom: 4px; height: 2px; background: var(--teal);
  transform: scaleX(0); transform-origin: left; transition: transform .2s ease;
}
.main-nav > ul > li > a:hover, .main-nav > ul > li > a.active { color: var(--teal-dark); background: rgba(13,148,136,.08); }
.main-nav > ul > li > a:hover::after, .main-nav > ul > li > a.active::after { transform: scaleX(1); }
.has-dropdown { position: relative; }
.caret { font-size: 11px; }
.dropdown {
  position: absolute; top: 100%; left: 0; background: #fff; min-width: 260px;
  box-shadow: var(--shadow-lg); border-radius: 10px; padding: 8px; opacity: 0; visibility: hidden;
  transform: translateY(8px); transition: all .18s ease;
}
.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown li a { padding: 10px 14px; border-radius: 6px; display: block; color: var(--text-main); font-size: 14.5px; }
.dropdown li a:hover { background: var(--bg-light); color: var(--teal-dark); }

.header-cta { display: flex; gap: 10px; align-items: center; }
.header-cta .btn-ghost { border-color: var(--border); color: var(--navy); }
.header-cta .btn-ghost:hover { background: var(--bg-light); }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
.nav-toggle span { width: 26px; height: 3px; background: var(--navy); border-radius: 2px; }

/* ---- Powered-by CREDMATRIX badge ---- */
.footer-powered { background: var(--navy-dark); border-top: 1px solid rgba(255,255,255,.08); padding: 22px 0; }
.powered-inner { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
.powered-label { font-size: 12.5px; letter-spacing: .06em; text-transform: uppercase; color: #7e8fa5; font-weight: 600; }
.credmatrix-logo { height: 26px; width: auto; opacity: .92; }
.powered-inner-light {
  justify-content: flex-start; margin-top: 16px; padding-top: 14px; border-top: 1px solid var(--border); gap: 10px;
}
.powered-label-light { color: var(--text-muted); font-size: 11.5px; }
.credmatrix-logo-sm { height: 20px; }

/* ---- Hero ---- */
.hero {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 120' preserveAspectRatio='none'%3E%3Cpath d='M0,40 C300,110 900,0 1200,60 L1200,120 L0,120 Z' fill='%23ffffff'/%3E%3C/svg%3E") no-repeat bottom center / 100% 70px,
    linear-gradient(135deg, var(--navy) 0%, #123a63 60%, var(--teal-dark) 130%);
  color: #fff;
  padding: 90px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero::before, .hero::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(60px); z-index: 0;
}
.hero::before {
  width: 480px; height: 480px; background: radial-gradient(circle, rgba(212,160,23,.28), transparent 70%);
  top: -180px; right: -120px;
}
.hero::after {
  width: 420px; height: 420px; background: radial-gradient(circle, rgba(13,148,136,.35), transparent 70%);
  bottom: -200px; left: -140px;
}
.hero-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: center; position: relative; z-index: 2; }
.hero h1 { color: #fff; font-size: 42px; margin-bottom: 18px; }
.hero p.lead { color: #cfdcec; font-size: 18px; max-width: 520px; }
.hero-cta { display: flex; gap: 14px; margin-top: 30px; flex-wrap: wrap; }
.hero-badges { display: flex; gap: 26px; margin-top: 40px; flex-wrap: wrap; }
.hero-badge { font-size: 14px; color: #dbe4f0; }
.hero-badge strong { display: block; font-size: 26px; color: var(--gold); font-family: var(--font-head); }

.hero-card {
  background: #fff; border-radius: var(--radius); padding: 28px; color: var(--text-main);
  box-shadow: 0 24px 60px rgba(4,15,31,.35); border-top: 4px solid var(--gold);
}
.hero-card h3 { font-size: 19px; }
.hero-card .form-row { margin-bottom: 14px; }

/* Page header for interior pages */
.page-hero {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 120' preserveAspectRatio='none'%3E%3Cpath d='M0,30 C300,90 900,10 1200,50 L1200,120 L0,120 Z' fill='%23ffffff'/%3E%3C/svg%3E") no-repeat bottom center / 100% 50px,
    linear-gradient(120deg, var(--navy), var(--teal-dark));
  color: #fff; padding: 60px 0 70px; text-align: center; position: relative; overflow: hidden;
}
.page-hero h1 { color: #fff; margin-bottom: 8px; }
.breadcrumb { color: #cfdcec; font-size: 14px; }
.breadcrumb a { color: #cfdcec; text-decoration: underline; }

/* ---- Cards / grids ---- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }

.card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px; transition: all .25s ease; position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--teal), var(--gold)); transform: scaleX(0); transform-origin: left;
  transition: transform .25s ease;
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card .icon { font-size: 32px; margin-bottom: 16px; display: inline-block; background: rgba(13,148,136,.1); padding: 12px 14px; border-radius: 12px; transition: transform .25s ease; }
.card:hover .icon { transform: scale(1.08) rotate(-4deg); }
.card h3 { font-size: 18px; margin-bottom: 10px; }
.card p { color: var(--text-muted); font-size: 14.5px; margin-bottom: 14px; }
.card-link { font-weight: 600; font-size: 14px; display: inline-flex; align-items: center; gap: 4px; transition: gap .2s ease; }
.card:hover .card-link { gap: 8px; }

.loan-card { text-align: left; }
.loan-card .amount-tag { display: inline-block; background: linear-gradient(120deg, var(--navy), #123a63); color: #fff; font-size: 12.5px; padding: 4px 10px; border-radius: 20px; margin-bottom: 12px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { text-align: center; position: relative; }
.step-num {
  width: 54px; height: 54px; border-radius: 50%; background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: var(--navy-dark);
  display: flex; align-items: center; justify-content: center; font-family: var(--font-head);
  font-weight: 700; font-size: 20px; margin: 0 auto 16px; box-shadow: 0 8px 20px rgba(212,160,23,.35);
  transition: transform .25s ease;
}
.step:hover .step-num { transform: translateY(-4px) scale(1.05); }
.step h4 { font-size: 16.5px; }
.step p { color: var(--text-muted); font-size: 14px; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat strong { display: block; font-family: var(--font-head); font-size: 34px; color: var(--gold); }
.stat span { color: #cfdcec; font-size: 14px; }

/* Testimonials */
.testimonial { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; transition: all .25s ease; }
.testimonial:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); border-color: transparent; }
.testimonial .stars { color: var(--gold); margin-bottom: 10px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.testimonial-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-family: var(--font-head); }

/* Partners */
.partners-row { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 30px 50px; }
.partner-chip { font-family: var(--font-head); font-weight: 600; color: var(--text-muted); font-size: 17px; opacity: .8; }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center; padding: 20px 0; cursor: pointer;
  font-weight: 600; color: var(--navy); font-family: var(--font-head); font-size: 15.5px;
}
.faq-q .plus { transition: transform .2s ease; font-size: 20px; color: var(--teal-dark); }
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; color: var(--text-muted); font-size: 14.5px; transition: max-height .25s ease; }
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 20px; }

/* ---- Forms ---- */
.form-row { margin-bottom: 18px; }
.form-row label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; color: var(--navy); }
.form-row input, .form-row select, .form-row textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 8px;
  font-family: var(--font-body); font-size: 14.5px; background: #fff; color: var(--text-main);
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus { outline: none; border-color: var(--teal); }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.form-note { font-size: 12.5px; color: var(--text-muted); margin-top: 10px; }
.form-success { background: #e8f7ef; border: 1.5px solid var(--success); color: #146c3d; padding: 14px 18px; border-radius: 8px; margin-bottom: 20px; }
.form-error { background: #fdecea; border: 1.5px solid var(--danger); color: #922b21; padding: 14px 18px; border-radius: 8px; margin-bottom: 20px; }

/* Info table (loan pages) */
.info-table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.info-table th, .info-table td { text-align: left; padding: 13px 16px; border-bottom: 1px solid var(--border); font-size: 14.5px; }
.info-table th { background: var(--bg-light); color: var(--navy); font-family: var(--font-head); font-size: 14px; }
.doc-list li { padding: 8px 0 8px 26px; position: relative; color: var(--text-muted); font-size: 14.5px; }
.doc-list li::before { content: '✓'; position: absolute; left: 0; color: var(--teal); font-weight: 700; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(120deg, var(--gold), #e8b93a);
  border-radius: var(--radius); padding: 46px; display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 20px; position: relative; overflow: hidden;
  box-shadow: 0 16px 40px rgba(212,160,23,.25);
}
.cta-banner::after {
  content: ''; position: absolute; top: -60%; right: -10%; width: 260px; height: 260px; border-radius: 50%;
  background: rgba(255,255,255,.18);
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h3 { color: var(--navy-dark); margin-bottom: 6px; }
.cta-banner p { color: #4a3a08; margin: 0; }
.cta-banner .btn-primary { background: var(--navy); color: #fff; box-shadow: 0 8px 20px rgba(11,37,69,.3); }
.cta-banner .btn-primary:hover { background: var(--navy-dark); }

/* ---- Footer ---- */
.site-footer { background: var(--navy-dark); color: #b8c6da; padding-top: 60px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 50px; }
.footer-col h4 { color: #fff; font-size: 15.5px; margin-bottom: 16px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { color: #b8c6da; font-size: 14.5px; }
.footer-col a:hover { color: var(--gold); }
.footer-social { display: flex; gap: 14px; margin-top: 18px; }
.footer-social a { font-size: 13px; border: 1px solid rgba(255,255,255,.2); padding: 6px 12px; border-radius: 20px; }
.footer-contact li { font-size: 14px; }

.footer-disclaimer { background: #051324; padding: 26px 0; font-size: 12.5px; color: #7e8fa5; }
.footer-disclaimer p { margin-bottom: 10px; }
.footer-copy { color: #5c6c80; margin: 0; }

.whatsapp-float {
  position: fixed; bottom: 26px; right: 26px; background: #25d366; color: #fff; width: 58px; height: 58px;
  border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 28px;
  box-shadow: 0 6px 20px rgba(0,0,0,.25); z-index: 600; text-decoration: none;
}

/* ---- Utility ---- */
.text-center { text-align: center; }
.mt-30 { margin-top: 30px; }
.mb-0 { margin-bottom: 0; }

/* ---- Responsive ---- */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; }
  .grid-3, .grid-4, .grid-2, .steps, .stats { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .logo-tagline { display: none; }
  .logo-mark-img { width: 74px; height: 44px; }
  .logo-text-wrap { margin-left: -9px; }
  .logo-text { font-size: 22px; }
}

@media (max-width: 760px) {
  .topbar-note { display: none; }
  .main-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .main-nav.open {
    display: block; position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    box-shadow: var(--shadow-lg); padding: 10px 20px 20px;
  }
  .main-nav.open ul { flex-direction: column; align-items: stretch; }
  .main-nav.open .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; display: none; margin-left: 10px; }
  .has-dropdown.open .dropdown { display: block; }
  .header-cta.open { display: flex; }
  .hero h1 { font-size: 30px; }
  .grid-3, .grid-4, .grid-2, .steps, .stats { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .cta-banner { flex-direction: column; text-align: center; }
  section { padding: 50px 0; }
}