/* ========================================
   SVR LOANS — COMPLETE STYLESHEET
   Green & White | Premium Financial Design
   ======================================== */

:root {
  --green: #1a7a4a;
  --green-light: #22a05f;
  --green-dark: #0f5233;
  --green-pale: #e8f5ee;
  --green-mid: #d0ead8;
  --white: #ffffff;
  --off-white: #f8faf9;
  --dark: #0d1f17;
  --dark-2: #1a2e23;
  --text: #2c3e30;
  --text-muted: #5a7060;
  --border: #d4e8db;
  --shadow: 0 4px 24px rgba(26,122,74,0.10);
  --shadow-lg: 0 12px 48px rgba(26,122,74,0.16);
  --radius: 16px;
  --radius-sm: 8px;
  --transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--text);
  overflow-x: hidden;
  line-height: 1.6;
}

/* ---- UTILS ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.text-green { color: var(--green); }
.section-tag {
  display: inline-block;
  background: var(--green-pale);
  color: var(--green);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 16px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.2;
  color: var(--dark);
  margin-bottom: 16px;
}
.section-header { text-align: center; margin-bottom: 56px; }
.section-desc { color: var(--text-muted); font-size: 17px; max-width: 520px; margin: 0 auto; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green);
  color: var(--white);
  padding: 14px 32px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  transition: var(--transition);
  border: none; cursor: pointer;
}
.btn-primary:hover { background: var(--green-light); transform: translateY(-2px); box-shadow: 0 8px 32px rgba(26,122,74,0.3); }
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent;
  color: var(--green);
  padding: 14px 32px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  border: 2px solid var(--green);
  transition: var(--transition);
}
.btn-outline:hover { background: var(--green); color: var(--white); transform: translateY(-2px); }
.btn-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--white);
  color: var(--green-dark);
  padding: 14px 32px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  transition: var(--transition);
}
.btn-white:hover { background: var(--green-pale); transform: translateY(-2px); }

/* ---- ANIMATIONS ---- */
@keyframes fadeUp { from { opacity: 0; transform: translateY(40px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@keyframes reviewTicker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@keyframes float { 0%,100% { transform: translateY(0px); } 50% { transform: translateY(-20px); } }
@keyframes pulse { 0%,100% { opacity: 0.4; transform: scale(1); } 50% { opacity: 0.8; transform: scale(1.05); } }
@keyframes scrollLine { 0% { height: 0; opacity: 1; } 100% { height: 40px; opacity: 0; } }
@keyframes countUp { from { opacity: 0; } to { opacity: 1; } }

.animate-fade-up { opacity: 0; animation: fadeUp 0.8s ease forwards; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.25s; }
.delay-3 { animation-delay: 0.4s; }
.delay-4 { animation-delay: 0.55s; }

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---- NAVBAR ---- */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow); }
.nav-container {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}
.nav-logo { text-decoration: none; display: flex; align-items: center; gap: 2px; }
.logo-svr { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 900; color: var(--green); }
.logo-loans { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 400; color: var(--dark); }
.nav-links {
  list-style: none; display: flex; align-items: center; gap: 4px;
}
.nav-links a {
  text-decoration: none; color: var(--text); font-size: 14px; font-weight: 500;
  padding: 8px 14px; border-radius: 8px; transition: var(--transition);
}
.nav-links a:hover, .nav-links a.active { color: var(--green); background: var(--green-pale); }
.nav-cta {
  background: var(--green) !important;
  color: var(--white) !important;
  border-radius: 100px !important;
  padding: 10px 22px !important;
}
.nav-cta:hover { background: var(--green-light) !important; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(26,122,74,0.25); }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--dark); border-radius: 2px; transition: var(--transition); }

/* ---- HERO ---- */
.hero {
  min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #f0faf5 0%, #e8f5ee 40%, #ffffff 100%);
  padding: 100px 24px 60px;
  text-align: center;
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero-shape {
  position: absolute; border-radius: 50%;
  background: radial-gradient(circle, rgba(26,122,74,0.12) 0%, transparent 70%);
}
.shape1 { width: 600px; height: 600px; top: -200px; right: -200px; animation: pulse 6s ease-in-out infinite; }
.shape2 { width: 400px; height: 400px; bottom: -100px; left: -150px; animation: pulse 8s ease-in-out infinite 2s; }
.shape3 { width: 300px; height: 300px; top: 40%; left: 50%; transform: translate(-50%,-50%); animation: pulse 7s ease-in-out infinite 1s; }
.hero-content { position: relative; z-index: 2; max-width: 800px; }
.hero-badge {
  display: inline-block;
  background: var(--green-pale); color: var(--green);
  font-size: 13px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase;
  padding: 8px 20px; border-radius: 100px;
  border: 1px solid var(--green-mid);
  margin-bottom: 24px;
}
.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(40px, 7vw, 80px);
  font-weight: 900; line-height: 1.1;
  color: var(--dark); margin-bottom: 24px;
}
.hero-sub { font-size: clamp(15px, 2vw, 18px); color: var(--text-muted); margin-bottom: 40px; max-width: 560px; margin-left: auto; margin-right: auto; }
.hero-stats { display: flex; align-items: center; justify-content: center; gap: 32px; margin-bottom: 40px; flex-wrap: wrap; }
.stat { text-align: center; }
.stat-num { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--green); }
.stat span { font-size: 28px; color: var(--green); font-weight: 700; }
.stat-label { font-size: 13px; color: var(--text-muted); font-weight: 500; }
.stat-divider { width: 1px; height: 48px; background: var(--border); }
.hero-actions { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }
.hero-scroll-indicator {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: var(--text-muted); font-size: 11px; letter-spacing: 2px; text-transform: uppercase;
}
.scroll-line { width: 1px; height: 0; background: var(--green); animation: scrollLine 2s ease-in-out infinite; }

/* ---- LOAN TICKER ---- */
.loan-ticker {
  background: var(--green); color: var(--white);
  display: flex; align-items: center; overflow: hidden; height: 48px;
}
.ticker-label {
  background: var(--green-dark); padding: 0 24px; height: 100%;
  display: flex; align-items: center;
  font-size: 11px; letter-spacing: 2px; font-weight: 700; white-space: nowrap;
  flex-shrink: 0;
}
.ticker-track { flex: 1; overflow: hidden; }
.ticker-items {
  display: flex; align-items: center; gap: 32px; white-space: nowrap;
  animation: ticker 20s linear infinite;
  width: max-content;
}
.ticker-items span { font-size: 14px; font-weight: 500; }
.ticker-items .dot { color: rgba(255,255,255,0.5); font-size: 8px; }

/* ---- INQUIRY SECTION ---- */
.inquiry-section {
  padding: 100px 0; background: var(--off-white);
  position: relative; overflow: hidden;
}
.inquiry-section::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--green), var(--green-light), var(--green));
}
.inquiry-wrapper {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.inquiry-left .section-title { text-align: left; }
.inquiry-features { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
.inq-feat { display: flex; align-items: center; gap: 12px; font-size: 15px; color: var(--text); }
.inq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--green); color: white;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; flex-shrink: 0;
}
.inquiry-right {
  background: var(--white); border-radius: 24px;
  padding: 40px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.inquiry-form { display: flex; flex-direction: column; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--text); letter-spacing: 0.5px; }
.form-group input, .form-group select, .form-group textarea {
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px; color: var(--text);
  background: var(--white);
  transition: var(--transition); outline: none; width: 100%;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--green); box-shadow: 0 0 0 3px rgba(26,122,74,0.1);
}
.form-group textarea { resize: vertical; }
.form-submit {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--green); color: white; padding: 16px 32px;
  border: none; border-radius: 100px; font-size: 16px; font-weight: 600;
  cursor: pointer; transition: var(--transition); font-family: 'DM Sans', sans-serif;
}
.form-submit:hover { background: var(--green-light); transform: translateY(-2px); box-shadow: 0 8px 32px rgba(26,122,74,0.3); }
.form-note { font-size: 12px; color: var(--text-muted); text-align: center; }

/* ---- WHY SECTION ---- */
.why-section { padding: 100px 0; background: var(--white); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card {
  background: var(--off-white); border-radius: var(--radius);
  padding: 36px; border: 1px solid var(--border);
  transition: var(--transition); position: relative; overflow: hidden;
}
.why-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--green); transform: scaleX(0); transform-origin: left;
  transition: var(--transition);
}
.why-card:hover::before { transform: scaleX(1); }
.why-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--green-mid); }
.why-icon { font-size: 36px; margin-bottom: 16px; }
.why-card h3 { font-size: 18px; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.why-card p { color: var(--text-muted); font-size: 14px; line-height: 1.7; }

/* ---- STATS SECTION ---- */
.stats-section { padding: 80px 0; background: var(--dark); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(255,255,255,0.1); border-radius: var(--radius); overflow: hidden; }
.stats-card { background: var(--dark-2); padding: 48px 24px; text-align: center; transition: var(--transition); }
.stats-card:hover { background: var(--green-dark); }
.stats-number { font-family: 'Playfair Display', serif; font-size: 56px; font-weight: 700; color: var(--green-light); display: inline; }
.stats-plus { font-size: 32px; color: var(--green-light); font-weight: 700; display: inline; }
.stats-label { font-size: 14px; color: rgba(255,255,255,0.6); font-weight: 500; margin-top: 8px; letter-spacing: 0.5px; }

/* ---- SERVICES PREVIEW ---- */
.services-preview { padding: 100px 0; background: var(--off-white); }
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card {
  background: var(--white); border-radius: var(--radius); padding: 32px 24px;
  border: 1px solid var(--border); text-decoration: none; color: var(--text);
  transition: var(--transition); position: relative; overflow: hidden; display: block;
}
.service-card::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--green-pale), transparent);
  opacity: 0; transition: var(--transition);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--green); }
.service-card:hover::after { opacity: 1; }
.service-icon { font-size: 32px; margin-bottom: 14px; }
.service-card h3 { font-size: 17px; font-weight: 700; color: var(--dark); margin-bottom: 8px; position: relative; z-index: 1; }
.service-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; position: relative; z-index: 1; }
.service-arrow { display: block; color: var(--green); font-size: 20px; margin-top: 16px; transition: var(--transition); }
.service-card:hover .service-arrow { transform: translateX(6px); }

/* ---- PROCESS SECTION ---- */
.process-section { padding: 100px 0; background: var(--white); }
.process-steps {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; flex-wrap: wrap;
}
.process-step {
  background: var(--off-white); border-radius: var(--radius); padding: 36px 28px;
  border: 1px solid var(--border); flex: 1; min-width: 200px; max-width: 240px;
  text-align: center; transition: var(--transition);
}
.process-step:hover { box-shadow: var(--shadow); border-color: var(--green); transform: translateY(-4px); }
.step-number {
  font-family: 'Playfair Display', serif; font-size: 48px; font-weight: 900;
  color: var(--green-mid); line-height: 1; margin-bottom: 16px;
}
.step-content h3 { font-size: 16px; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.step-content p { font-size: 13px; color: var(--text-muted); }
.process-arrow { font-size: 28px; color: var(--green-mid); flex-shrink: 0; }

/* ---- REVIEWS SECTION ---- */
.reviews-section { padding: 100px 0 60px; background: var(--dark); overflow: hidden; }
.reviews-section .section-tag { background: rgba(26,122,74,0.3); }
.reviews-section .section-title { color: var(--white); }
.reviews-section .text-green { color: var(--green-light); }
.reviews-ticker-wrapper { overflow: hidden; margin: 0 -24px; padding: 20px 0; }
.reviews-ticker {
  display: flex; gap: 24px; width: max-content;
  animation: reviewTicker 30s linear infinite;
  padding: 8px 24px;
}
.reviews-ticker:hover { animation-play-state: paused; }
.review-card {
  background: var(--dark-2); border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius); padding: 32px; min-width: 340px; max-width: 340px;
  transition: var(--transition);
}
.review-card:hover { border-color: var(--green); background: var(--green-dark); }
.review-stars { color: #fbbf24; font-size: 18px; margin-bottom: 16px; letter-spacing: 2px; }
.review-card p { color: rgba(255,255,255,0.8); font-size: 14px; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--green); color: white; font-weight: 700; font-size: 14px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.reviewer strong { color: white; font-size: 14px; display: block; }
.reviewer span { color: var(--green-light); font-size: 12px; }
.reviews-cta { text-align: center; margin-top: 48px; }

/* ---- TEAM SECTION ---- */
.team-section { padding: 100px 0; background: var(--off-white); }
.team-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px; max-width: 800px; margin: 0 auto; }
.team-card {
  background: var(--white); border-radius: 24px; overflow: hidden;
  border: 1px solid var(--border); transition: var(--transition);
  display: flex; flex-direction: column;
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.team-photo-placeholder {
  background: linear-gradient(135deg, var(--green-pale), var(--green-mid));
  height: 220px; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 12px;
}
.team-photo-placeholder span {
  width: 80px; height: 80px; border-radius: 50%;
  background: var(--green); color: white;
  font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 4px solid white;
}
.photo-label { font-size: 12px; color: var(--text-muted); font-style: italic; }
.team-info { padding: 28px; }
.team-info h3 { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--dark); margin-bottom: 6px; }
.team-role {
  display: inline-block; background: var(--green-pale); color: var(--green);
  font-size: 12px; font-weight: 600; padding: 4px 14px; border-radius: 100px;
  margin-bottom: 14px;
}
.team-info p { color: var(--text-muted); font-size: 14px; line-height: 1.7; }

/* ---- CTA SECTION ---- */
.cta-section { padding: 80px 0; background: var(--white); }
.cta-box {
  background: linear-gradient(135deg, var(--green-dark), var(--green));
  border-radius: 24px; padding: 64px; text-align: center;
  position: relative; overflow: hidden;
}
.cta-box::before {
  content: ''; position: absolute;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(255,255,255,0.05);
  top: -150px; right: -100px;
}
.cta-box h2 { font-family: 'Playfair Display', serif; font-size: clamp(28px, 4vw, 48px); color: white; margin-bottom: 16px; position: relative; }
.cta-box p { color: rgba(255,255,255,0.8); font-size: 18px; margin-bottom: 40px; position: relative; }
.cta-actions { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; position: relative; }

/* ---- FOOTER ---- */
.footer { background: var(--dark); color: rgba(255,255,255,0.8); padding: 80px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand .footer-logo { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; color: rgba(255,255,255,0.6); margin-bottom: 20px; }
.footer-contact-info { display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.footer-contact-info a { color: var(--green-light); text-decoration: none; }
.footer-links h4 { color: white; font-weight: 700; font-size: 15px; margin-bottom: 20px; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 14px; transition: var(--transition); }
.footer-links a:hover { color: var(--green-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 32px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 16px; font-size: 13px; color: rgba(255,255,255,0.4);
}

/* ---- ABOUT PAGE ---- */
.page-hero {
  background: linear-gradient(135deg, var(--green-pale), var(--white));
  padding: 140px 0 80px; text-align: center;
  border-bottom: 1px solid var(--border);
}
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(36px, 5vw, 64px); font-weight: 900; color: var(--dark); margin-bottom: 16px; }
.page-hero p { font-size: 18px; color: var(--text-muted); max-width: 560px; margin: 0 auto; }
.about-content { padding: 100px 0; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-text .section-title { text-align: left; }
.about-text p { color: var(--text-muted); font-size: 16px; line-height: 1.8; margin-bottom: 20px; }
.about-visual {
  background: linear-gradient(135deg, var(--green-pale), var(--green-mid));
  border-radius: 24px; height: 400px;
  display: flex; align-items: center; justify-content: center;
  font-size: 80px;
}
.values-section { padding: 80px 0; background: var(--off-white); }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card { background: var(--white); border-radius: var(--radius); padding: 36px; border: 1px solid var(--border); text-align: center; transition: var(--transition); }
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.value-icon { font-size: 40px; margin-bottom: 16px; }
.value-card h3 { font-size: 18px; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.value-card p { color: var(--text-muted); font-size: 14px; }

/* ---- SERVICES PAGE ---- */
.services-full { padding: 80px 0; }
.loan-card {
  background: var(--white); border-radius: 20px;
  border: 1px solid var(--border);
  margin-bottom: 24px; overflow: hidden;
  transition: var(--transition); display: grid; grid-template-columns: 80px 1fr;
}
.loan-card:hover { box-shadow: var(--shadow-lg); border-color: var(--green); transform: translateX(4px); }
.loan-icon-col { background: var(--green-pale); display: flex; align-items: center; justify-content: center; font-size: 36px; padding: 24px; }
.loan-info { padding: 32px; }
.loan-info h3 { font-size: 20px; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.loan-info p { color: var(--text-muted); font-size: 14px; line-height: 1.7; margin-bottom: 16px; }
.loan-features { display: flex; gap: 12px; flex-wrap: wrap; }
.loan-feat { background: var(--green-pale); color: var(--green); font-size: 12px; font-weight: 600; padding: 4px 12px; border-radius: 100px; }

/* ---- FAQ PAGE ---- */
.faq-section { padding: 80px 0; }
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; transition: var(--transition); }
.faq-item.open { border-color: var(--green); }
.faq-question {
  padding: 20px 24px; display: flex; justify-content: space-between; align-items: center;
  cursor: pointer; font-weight: 600; font-size: 16px; color: var(--dark); gap: 16px;
  transition: var(--transition);
}
.faq-question:hover { background: var(--green-pale); color: var(--green); }
.faq-icon { font-size: 20px; color: var(--green); flex-shrink: 0; transition: var(--transition); font-weight: 300; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s ease; }
.faq-answer p { padding: 0 24px 20px; color: var(--text-muted); font-size: 15px; line-height: 1.8; }
.faq-item.open .faq-answer { max-height: 300px; }

/* ---- CERTIFICATIONS PAGE ---- */
.cert-section { padding: 80px 0; }
.cert-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cert-card {
  background: var(--white); border-radius: var(--radius); padding: 40px; text-align: center;
  border: 1px solid var(--border); transition: var(--transition);
}
.cert-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--green); }
.cert-badge { font-size: 56px; margin-bottom: 16px; }
.cert-card h3 { font-size: 18px; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.cert-card p { color: var(--text-muted); font-size: 14px; }
.cert-number { display: inline-block; background: var(--green-pale); color: var(--green); font-size: 12px; font-weight: 700; padding: 4px 12px; border-radius: 100px; margin-top: 12px; }

/* ---- CONTACT PAGE ---- */
.contact-section { padding: 80px 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--dark); margin-bottom: 16px; }
.contact-info p { color: var(--text-muted); font-size: 16px; line-height: 1.8; margin-bottom: 40px; }
.contact-details { display: flex; flex-direction: column; gap: 24px; }
.contact-detail { display: flex; align-items: flex-start; gap: 16px; }
.contact-detail-icon {
  width: 48px; height: 48px; border-radius: var(--radius-sm);
  background: var(--green-pale); color: var(--green);
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; flex-shrink: 0;
}
.contact-detail h4 { font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.contact-detail p { color: var(--text-muted); font-size: 14px; }
.contact-detail a { color: var(--green); text-decoration: none; font-weight: 600; }

/* ---- REVIEWS SUBMISSION PAGE ---- */
.review-submit-section { padding: 80px 0; }
.review-form-wrapper { max-width: 640px; margin: 0 auto; background: var(--white); border-radius: 24px; padding: 48px; border: 1px solid var(--border); box-shadow: var(--shadow); }
.stars-select { display: flex; gap: 8px; margin-bottom: 4px; }
.star-btn { font-size: 32px; cursor: pointer; color: var(--border); transition: var(--transition); background: none; border: none; }
.star-btn.active, .star-btn:hover { color: #fbbf24; transform: scale(1.1); }
.existing-reviews { padding: 60px 0; background: var(--off-white); }

/* ---- MOBILE RESPONSIVE ---- */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  .hamburger { display: flex; }
  .nav-links {
    position: fixed; top: 72px; left: 0; right: 0;
    background: white; flex-direction: column; padding: 24px;
    gap: 4px; border-bottom: 1px solid var(--border);
    transform: translateY(-110%); transition: var(--transition);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.open { transform: translateY(0); }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 12px 16px; }
  .inquiry-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { flex-direction: column; }
  .process-arrow { transform: rotate(90deg); }
  .hero-stats { gap: 20px; }
  .stat-divider { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .cert-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .cta-box { padding: 40px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .loan-card { grid-template-columns: 1fr; }
  .loan-icon-col { padding: 20px; }
}

@media (max-width: 480px) {
  .why-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .cert-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions a { text-align: center; }
  .inquiry-right { padding: 24px; }
}