:root {
      --primary: #0d3b66;
      --primary-2: #155eef;
      --secondary: #12b76a;
      --accent: #7c3aed;
      --gold: #f59e0b;
      --dark: #0f172a;
      --text: #334155;
      --muted: #64748b;
      --light: #f8fafc;
      --white: #ffffff;
      --border: rgba(148, 163, 184, 0.25);
      --shadow: 0 18px 40px rgba(2, 6, 23, 0.08);
      --shadow-lg: 0 25px 60px rgba(13, 59, 102, 0.18);
      --radius: 20px;
      --radius-sm: 12px;
      --container: 1180px;
      --gradient: linear-gradient(135deg, #0d3b66 0%, #155eef 50%, #7c3aed 100%);
      --gradient-soft: linear-gradient(180deg, rgba(21, 94, 239, 0.08), rgba(124, 58, 237, 0.04));
    }

    * {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      color: var(--text);
      background:
        radial-gradient(circle at top left, rgba(21, 94, 239, 0.10), transparent 30%),
        radial-gradient(circle at top right, rgba(124, 58, 237, 0.12), transparent 30%),
        linear-gradient(to bottom, #f8fbff, #f8fafc 35%, #ffffff 100%);
      line-height: 1.6;
      overflow-x: hidden;
    }

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

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

    ul {
      list-style: none;
    }

    .container {
      width: min(100% - 2rem, var(--container));
      margin-inline: auto;
    }

    .section {
      padding: 90px 0;
    }

    .section-title-wrap {
      text-align: center;
      max-width: 760px;
      margin: 0 auto 54px;
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 14px;
      border-radius: 999px;
      background: rgba(21, 94, 239, 0.08);
      color: var(--primary-2);
      font-size: 0.88rem;
      font-weight: 700;
      letter-spacing: 0.02em;
      margin-bottom: 16px;
    }

    .section-title {
      font-size: clamp(2rem, 3vw, 3rem);
      line-height: 1.15;
      color: var(--dark);
      margin-bottom: 14px;
      font-weight: 800;
    }

    .section-subtitle {
      font-size: 1.02rem;
      color: var(--muted);
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      border: none;
      border-radius: 999px;
      padding: 14px 24px;
      font-weight: 700;
      font-size: 0.98rem;
      cursor: pointer;
      transition: 0.3s ease;
      white-space: nowrap;
    }

    .btn-primary {
      background: var(--gradient);
      color: var(--white);
      box-shadow: var(--shadow-lg);
    }

    .btn-primary:hover {
      transform: translateY(-2px);
      filter: brightness(1.04);
    }

    .btn-secondary {
      background: var(--white);
      color: var(--primary);
      border: 1px solid rgba(13, 59, 102, 0.12);
      box-shadow: var(--shadow);
    }

    .btn-secondary:hover {
      transform: translateY(-2px);
      border-color: rgba(21, 94, 239, 0.25);
    }

    .card {
      background: rgba(255, 255, 255, 0.88);
      backdrop-filter: blur(12px);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
    }

    /* Header */
    .site-header {
      position: sticky;
      top: 0;
      z-index: 1000;
      transition: 0.3s ease;
      background: transparent;
    }

    .site-header.scrolled {
      background: rgba(255, 255, 255, 0.92);
      backdrop-filter: blur(16px);
      box-shadow: 0 10px 35px rgba(15, 23, 42, 0.07);
    }

    .nav {
      display: flex;
      align-items: center;
      justify-content: space-between;
      min-height: 80px;
      gap: 20px;
    }

    .logo {
      display: inline-flex;
      align-items: center;
      gap: 12px;
      font-size: 1.15rem;
      font-weight: 800;
      color: var(--dark);
    }

    .logo-mark {
      width: 42px;
      height: 42px;
      border-radius: 14px;
      background: var(--gradient);
      color: white;
      display: grid;
      place-items: center;
      box-shadow: var(--shadow);
      font-size: 1.1rem;
    }

    .nav-menu {
      display: flex;
      align-items: center;
      gap: 26px;
    }

    .nav-menu a {
      color: var(--text);
      font-weight: 600;
      font-size: 0.96rem;
      position: relative;
    }

    .nav-menu a::after {
      content: "";
      position: absolute;
      left: 0;
      bottom: -8px;
      width: 0;
      height: 2px;
      background: var(--primary-2);
      transition: 0.25s ease;
    }

    .nav-menu a:hover::after,
    .nav-menu a.active::after {
      width: 100%;
    }

    .nav-cta {
      display: flex;
      align-items: center;
      gap: 14px;
    }

    .hamburger {
      display: none;
      width: 46px;
      height: 46px;
      border-radius: 12px;
      border: 1px solid var(--border);
      background: rgba(255,255,255,0.9);
      cursor: pointer;
      position: relative;
    }

    .hamburger span,
    .hamburger::before,
    .hamburger::after {
      content: "";
      position: absolute;
      left: 12px;
      width: 22px;
      height: 2px;
      background: var(--dark);
      transition: 0.3s ease;
    }

    .hamburger span { top: 22px; }
    .hamburger::before { top: 15px; }
    .hamburger::after { top: 29px; }

    .hamburger.active span { opacity: 0; }
    .hamburger.active::before { transform: rotate(45deg); top: 22px; }
    .hamburger.active::after { transform: rotate(-45deg); top: 22px; }

    /* Hero */
    .hero {
      padding: 70px 0 40px;
      position: relative;
      overflow: hidden;
    }

    .hero::before {
      content: "";
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(21, 94, 239, 0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(21, 94, 239, 0.04) 1px, transparent 1px);
      background-size: 42px 42px;
      mask-image: linear-gradient(to bottom, rgba(0,0,0,0.9), transparent 85%);
      pointer-events: none;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1.1fr 0.9fr;
      align-items: center;
      gap: 34px;
    }

    .hero-content h1 {
      font-size: clamp(2.6rem, 5vw, 4.5rem);
      line-height: 1.05;
      color: var(--dark);
      font-weight: 900;
      max-width: 12ch;
      margin-bottom: 18px;
    }

    .hero-content p {
      font-size: 1.08rem;
      color: var(--muted);
      max-width: 640px;
      margin-bottom: 28px;
    }

    .hero-actions {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      margin-bottom: 30px;
    }

    .trust-list {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
    }

    .trust-item {
      padding: 18px;
      border-radius: 18px;
      border: 1px solid var(--border);
      background: rgba(255,255,255,0.72);
      box-shadow: var(--shadow);
    }

    .trust-item strong {
      display: block;
      font-size: 1.25rem;
      color: var(--dark);
      margin-bottom: 4px;
    }

    .hero-visual {
      position: relative;
      min-height: 560px;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .dashboard-card {
      width: 100%;
      max-width: 520px;
      padding: 24px;
      border-radius: 28px;
      background:
        linear-gradient(180deg, rgba(255,255,255,0.95), rgba(255,255,255,0.84));
      border: 1px solid rgba(255,255,255,0.6);
      box-shadow: 0 30px 80px rgba(13, 59, 102, 0.18);
      position: relative;
      z-index: 2;
    }

    .dashboard-top {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 22px;
    }

    .dashboard-badge {
      background: rgba(18, 183, 106, 0.1);
      color: var(--secondary);
      padding: 8px 12px;
      border-radius: 999px;
      font-size: 0.85rem;
      font-weight: 700;
    }

    .balance-box {
      background: var(--gradient);
      color: white;
      padding: 22px;
      border-radius: 24px;
      margin-bottom: 20px;
      position: relative;
      overflow: hidden;
    }

    .balance-box::after {
      content: "";
      position: absolute;
      width: 140px;
      height: 140px;
      border-radius: 50%;
      background: rgba(255,255,255,0.14);
      top: -30px;
      right: -20px;
    }

    .balance-box small {
      opacity: 0.85;
      display: block;
      margin-bottom: 10px;
    }

    .balance-box h3 {
      font-size: 2rem;
      margin-bottom: 10px;
    }

    .balance-meta {
      display: flex;
      justify-content: space-between;
      gap: 12px;
      font-size: 0.92rem;
      opacity: 0.95;
    }

    .mini-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 14px;
      margin-bottom: 18px;
    }

    .mini-card {
      padding: 18px;
      border-radius: 18px;
      background: #f8fbff;
      border: 1px solid rgba(21, 94, 239, 0.08);
    }

    .mini-card .icon {
      width: 42px;
      height: 42px;
      display: grid;
      place-items: center;
      border-radius: 14px;
      color: white;
      margin-bottom: 12px;
      font-size: 1.15rem;
    }

    .icon.loan { background: linear-gradient(135deg, #155eef, #3b82f6); }
    .icon.insurance { background: linear-gradient(135deg, #12b76a, #22c55e); }
    .icon.investment { background: linear-gradient(135deg, #7c3aed, #a855f7); }
    .icon.cards { background: linear-gradient(135deg, #f59e0b, #f97316); }

    .chart-box {
      padding: 20px;
      border-radius: 22px;
      border: 1px solid var(--border);
      background: linear-gradient(180deg, #ffffff, #f8fbff);
    }

    .bars {
      display: flex;
      align-items: end;
      justify-content: space-between;
      gap: 12px;
      height: 120px;
      margin-top: 16px;
    }

    .bar {
      flex: 1;
      border-radius: 12px 12px 6px 6px;
      background: linear-gradient(180deg, rgba(21, 94, 239, 0.95), rgba(124, 58, 237, 0.8));
    }

    .floating-pill {
      position: absolute;
      display: flex;
      align-items: center;
      gap: 10px;
      padding: 12px 16px;
      background: rgba(255,255,255,0.96);
      border: 1px solid rgba(148,163,184,0.22);
      border-radius: 999px;
      box-shadow: var(--shadow);
      font-weight: 700;
      color: var(--dark);
      z-index: 3;
      animation: floatY 5s ease-in-out infinite;
    }

    .pill-1 { top: 50px; left: 10px; }
    .pill-2 { top: 140px; right: 0; animation-delay: .8s; }
    .pill-3 { bottom: 130px; left: 0; animation-delay: 1.3s; }
    .pill-4 { bottom: 40px; right: 10px; animation-delay: 1.8s; }

    @keyframes floatY {
      0%,100% { transform: translateY(0); }
      50% { transform: translateY(-10px); }
    }

    /* About */
    .about-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 28px;
      align-items: center;
    }

    .about-panel {
      padding: 34px;
    }

    .about-text h3 {
      font-size: clamp(1.8rem, 3vw, 2.6rem);
      line-height: 1.2;
      color: var(--dark);
      margin-bottom: 14px;
    }

    .about-text p {
      color: var(--muted);
      margin-bottom: 22px;
    }

    .check-list {
      display: grid;
      gap: 14px;
      margin-bottom: 24px;
    }

    .check-list li {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      color: var(--text);
      font-weight: 600;
    }

    .check-list .tick {
      width: 28px;
      height: 28px;
      flex: 0 0 28px;
      display: grid;
      place-items: center;
      border-radius: 50%;
      background: rgba(18, 183, 106, 0.12);
      color: var(--secondary);
      font-size: 0.9rem;
      margin-top: 2px;
    }

    .about-stats {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 18px;
    }

    .stat-card {
      padding: 26px;
      text-align: center;
      min-height: 150px;
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .stat-card h4 {
      font-size: 2rem;
      color: var(--dark);
      margin-bottom: 6px;
    }

    /* Why choose us */
    .feature-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .feature-card {
      padding: 26px;
      transition: 0.3s ease;
    }

    .feature-card:hover,
    .service-card:hover,
    .testimonial-card:hover,
    .policy-card:hover {
      transform: translateY(-6px);
      box-shadow: 0 28px 50px rgba(2, 6, 23, 0.10);
    }

    .feature-icon,
    .service-icon,
    .contact-icon {
      width: 52px;
      height: 52px;
      border-radius: 16px;
      display: grid;
      place-items: center;
      font-size: 1.2rem;
      margin-bottom: 18px;
      color: white;
      background: var(--gradient);
      box-shadow: var(--shadow);
    }

    .feature-card h4,
    .service-card h4,
    .policy-card h4 {
      color: var(--dark);
      margin-bottom: 10px;
      font-size: 1.1rem;
    }

    .feature-card p,
    .service-card p,
    .policy-card p {
      color: var(--muted);
      font-size: 0.96rem;
    }

    /* Services */
    .services-wrap {
      display: grid;
      gap: 28px;
    }

    .service-category {
      padding: 28px;
    }

    .category-head {
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 20px;
      flex-wrap: wrap;
      margin-bottom: 22px;
    }

    .category-head h3 {
      font-size: 1.55rem;
      color: var(--dark);
    }

    .category-badge {
      padding: 8px 14px;
      border-radius: 999px;
      background: rgba(21, 94, 239, 0.08);
      color: var(--primary-2);
      font-weight: 700;
      font-size: 0.9rem;
    }

    .service-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 18px;
    }

    .service-card {
      padding: 22px;
      transition: 0.3s ease;
      min-height: 180px;
    }

    .service-card .service-icon {
      width: 46px;
      height: 46px;
      font-size: 1rem;
      margin-bottom: 14px;
    }

    /* Testimonials */
    .testimonial-section {
      overflow: hidden;
    }

    .testimonial-slider {
      position: relative;
      max-width: 860px;
      margin: 0 auto;
    }

    .testimonial-track {
      display: flex;
      transition: transform 0.45s ease;
    }

    .testimonial-slide {
      min-width: 100%;
      padding: 8px;
    }

    .testimonial-card {
      padding: 34px;
      text-align: center;
    }

    .client-avatar {
      width: 82px;
      height: 82px;
      margin: 0 auto 18px;
      border-radius: 50%;
      display: grid;
      place-items: center;
      font-size: 1.6rem;
      color: white;
      background: var(--gradient);
      font-weight: 800;
    }

    .stars {
      color: var(--gold);
      letter-spacing: 2px;
      margin-bottom: 16px;
      font-size: 1.1rem;
    }

    .testimonial-card p {
      font-size: 1.04rem;
      color: var(--text);
      max-width: 680px;
      margin: 0 auto 18px;
    }

    .testimonial-card h4 {
      color: var(--dark);
      margin-bottom: 4px;
    }

    .testimonial-role {
      color: var(--muted);
      font-size: 0.95rem;
    }

    .slider-controls {
      display: flex;
      justify-content: center;
      align-items: center;
      gap: 12px;
      margin-top: 24px;
    }

    .slider-btn {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      border: 1px solid var(--border);
      background: white;
      cursor: pointer;
      font-size: 1rem;
      color: var(--dark);
      transition: 0.25s ease;
    }

    .slider-btn:hover {
      background: var(--primary);
      color: white;
    }

    .dots {
      display: flex;
      gap: 8px;
    }

    .dot {
      width: 10px;
      height: 10px;
      border-radius: 50%;
      background: rgba(100, 116, 139, 0.32);
      cursor: pointer;
      transition: 0.25s ease;
    }

    .dot.active {
      width: 28px;
      border-radius: 999px;
      background: var(--primary-2);
    }

    /* FAQ */
    .faq-list {
      display: grid;
      gap: 16px;
      max-width: 920px;
      margin: 0 auto;
    }

    .faq-item {
      overflow: hidden;
    }

    .faq-question {
      width: 100%;
      border: none;
      background: transparent;
      text-align: left;
      padding: 22px 24px;
      cursor: pointer;
      font-size: 1.02rem;
      font-weight: 700;
      color: var(--dark);
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
    }

    .faq-answer {
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.35s ease, padding 0.35s ease;
      padding: 0 24px;
      color: var(--muted);
    }

    .faq-item.active .faq-answer {
      max-height: 180px;
      padding: 0 24px 22px;
    }

    .faq-icon {
      font-size: 1.2rem;
      transition: transform 0.25s ease;
    }

    .faq-item.active .faq-icon {
      transform: rotate(45deg);
    }

    /* Contact + Newsletter */
    .contact-news-grid {
      display: grid;
      grid-template-columns: 1fr 0.95fr;
      gap: 24px;
      align-items: start;
    }

    .form-card,
    .newsletter-card,
    .contact-details {
      padding: 28px;
    }

    .card-head {
      margin-bottom: 22px;
    }

    .card-head h3 {
      color: var(--dark);
      margin-bottom: 8px;
      font-size: 1.5rem;
    }

    .card-head p {
      color: var(--muted);
    }

    .form-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 16px;
    }

    .form-group {
      display: flex;
      flex-direction: column;
      gap: 8px;
      margin-bottom: 16px;
    }

    .form-group.full {
      grid-column: 1 / -1;
    }

    label {
      font-size: 0.92rem;
      font-weight: 700;
      color: var(--dark);
    }

    input,
    select,
    textarea {
      width: 100%;
      border: 1px solid rgba(148, 163, 184, 0.32);
      border-radius: 14px;
      padding: 14px 16px;
      font: inherit;
      color: var(--text);
      background: #fff;
      outline: none;
      transition: 0.25s ease;
    }

    input:focus,
    select:focus,
    textarea:focus {
      border-color: rgba(21, 94, 239, 0.45);
      box-shadow: 0 0 0 4px rgba(21, 94, 239, 0.08);
    }

    textarea {
      min-height: 130px;
      resize: vertical;
    }

    .form-note {
      font-size: 0.9rem;
      color: var(--muted);
      margin-top: 14px;
      display: none;
    }

    .form-note.show {
      display: block;
    }

    .checkbox-wrap {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      margin: 10px 0 18px;
      color: var(--muted);
      font-size: 0.95rem;
    }

    .checkbox-wrap input {
      width: 18px;
      height: 18px;
      margin-top: 2px;
      accent-color: var(--primary-2);
    }

    .contact-mini {
      display: grid;
      gap: 16px;
      margin-top: 20px;
    }

    .contact-mini-item {
      display: flex;
      gap: 14px;
      align-items: flex-start;
      padding: 16px;
      border-radius: 16px;
      background: linear-gradient(180deg, #ffffff, #f8fbff);
      border: 1px solid var(--border);
    }

    .contact-mini-item h4 {
      color: var(--dark);
      margin-bottom: 4px;
      font-size: 1rem;
    }

    .contact-mini-item p,
    .contact-mini-item a {
      color: var(--muted);
      font-size: 0.95rem;
    }

    /* Privacy / Terms */
    .policy-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 24px;
    }

    .policy-card {
      padding: 30px;
    }

    .policy-card ul {
      display: grid;
      gap: 12px;
      margin-top: 16px;
    }

    .policy-card li {
      color: var(--muted);
      position: relative;
      padding-left: 20px;
    }

    .policy-card li::before {
      content: "•";
      position: absolute;
      left: 0;
      top: 0;
      color: var(--primary-2);
      font-size: 1.2rem;
      line-height: 1;
    }

    /* Footer */
    .footer {
      background: #081120;
      color: rgba(255,255,255,0.78);
      padding: 70px 0 26px;
      margin-top: 40px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 1.3fr 1fr 1fr 1fr;
      gap: 28px;
      margin-bottom: 34px;
    }

    .footer h4 {
      color: #fff;
      margin-bottom: 16px;
      font-size: 1rem;
    }

    .footer-links {
      display: grid;
      gap: 12px;
    }

    .footer a:hover {
      color: #fff;
    }

    .footer-brand p {
      margin-top: 16px;
      max-width: 320px;
    }

    .socials {
      display: flex;
      gap: 12px;
      margin-top: 18px;
    }

    .socials a {
      width: 40px;
      height: 40px;
      border-radius: 12px;
      display: grid;
      place-items: center;
      background: rgba(255,255,255,0.08);
      color: #fff;
      transition: 0.25s ease;
    }

    .socials a:hover {
      background: var(--primary-2);
      transform: translateY(-2px);
    }

    .footer-bottom {
      padding-top: 20px;
      border-top: 1px solid rgba(255,255,255,0.08);
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 18px;
      flex-wrap: wrap;
    }

    .back-to-top {
      color: #fff;
      font-weight: 700;
    }

    /* Reveal animation */
    .reveal {
      opacity: 0;
      transform: translateY(28px);
      transition: 0.65s ease;
    }

    .reveal.visible {
      opacity: 1;
      transform: translateY(0);
    }

    /* Responsive */
    @media (max-width: 1080px) {
      .hero-grid,
      .about-grid,
      .contact-news-grid,
      .policy-grid,
      .footer-grid,
      .feature-grid {
        grid-template-columns: 1fr;
      }

      .service-grid {
        grid-template-columns: repeat(2, 1fr);
      }

      .hero-content h1 {
        max-width: unset;
      }

      .hero-visual {
        min-height: auto;
      }

      .footer-grid {
        grid-template-columns: repeat(2, 1fr);
      }
    }

    @media (max-width: 860px) {
      .nav-menu,
      .nav-cta .btn {
        display: none;
      }

      .hamburger {
        display: block;
      }

      .mobile-menu {
        position: fixed;
        top: 80px;
        left: 16px;
        right: 16px;
        background: rgba(255,255,255,0.97);
        border: 1px solid var(--border);
        border-radius: 22px;
        box-shadow: var(--shadow-lg);
        padding: 18px;
        display: none;
        z-index: 999;
      }

      .mobile-menu.open {
        display: block;
      }

      .mobile-menu ul {
        display: grid;
        gap: 14px;
      }

      .mobile-menu a {
        display: block;
        padding: 12px 14px;
        border-radius: 14px;
        font-weight: 700;
        color: var(--dark);
      }

      .mobile-menu a:hover {
        background: rgba(21, 94, 239, 0.06);
      }

      .mobile-menu .btn {
        width: 100%;
        margin-top: 14px;
      }

      .trust-list,
      .service-grid,
      .form-grid,
      .about-stats {
        grid-template-columns: 1fr;
      }

      .pill-1, .pill-2, .pill-3, .pill-4 {
        position: static;
        margin-top: 12px;
      }

      .hero-visual {
        display: grid;
        gap: 12px;
      }
    }

    @media (max-width: 560px) {
      .section {
        padding: 72px 0;
      }

      .dashboard-card,
      .form-card,
      .newsletter-card,
      .contact-details,
      .service-category,
      .policy-card,
      .about-panel,
      .testimonial-card {
        padding: 22px;
      }

      .footer-grid {
        grid-template-columns: 1fr;
      }

      .category-head {
        align-items: flex-start;
      }
    }