/* =============================================
   SHREE FINANCE – style.css
   Aesthetic: Luxury Gold & Deep Navy
============================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,700;0,900;1,400&family=DM+Sans:wght@300;400;500;600&display=swap');

/* ===== CSS VARIABLES ===== */
:root {
  --navy: #0a1628;
  --navy-mid: #112240;
  --navy-light: #1a3258;
  --gold: #c9a84c;
  --gold-light: #e8c97a;
  --gold-pale: #f5e6b8;
  --white: #ffffff;
  --off-white: #f8f6f1;
  --text: #e8e4dc;
  --text-muted: #8a9ab5;
  --accent: #4fc3f7;
  --danger: #ef4444;
  --success: #22c55e;

  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 20px 60px rgba(0,0,0,0.4);
  --shadow-card: 0 8px 32px rgba(0,0,0,0.25);

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--navy);
  color: var(--text);
  overflow-x: hidden;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: var(--font-body); border: none; outline: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ===== CONTAINER ===== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== SCROLLBAR ===== */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 99px; }

/* =============================================
   NAVBAR
============================================= */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(10, 22, 40, 0.85);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201, 168, 76, 0.15);
  transition: var(--transition);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 32px;
  max-width: 1200px;
  margin: 0 auto;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--navy);
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(201,168,76,0.35);
}
.company-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  letter-spacing: 0.02em;
}
.tagline-nav {
  font-size: 0.7rem;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links li a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color var(--transition);
  letter-spacing: 0.02em;
}
.nav-links li a:hover { color: var(--gold-light); }

.btn-apply-nav {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 9px 24px;
  border-radius: 99px;
  font-weight: 600;
  font-size: 0.88rem;
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(201,168,76,0.3);
}
.btn-apply-nav:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.45);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--gold-light);
  border-radius: 2px;
  transition: var(--transition);
}

.mobile-menu {
  display: none;
  flex-direction: column;
  padding: 12px 24px 20px;
  gap: 14px;
  border-top: 1px solid rgba(201,168,76,0.1);
}
.mobile-menu a {
  font-size: 0.95rem;
  color: var(--text-muted);
  padding: 4px 0;
}
.mobile-menu.open { display: flex; }

/* 
Download button for nav and hero
 */
.btn-download-app {
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold-light);
  padding: 9px 20px;
  border-radius: 99px;
  font-weight: 600;
  font-size: 0.88rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
}
.btn-download-app:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

/* =============================================
   HERO
============================================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 32px 60px;
  max-width: 1200px;
  margin: 0 auto;
  gap: 60px;
  overflow: hidden;
}

.hero-bg {
  position: fixed;
  inset: 0;
  z-index: -1;
  overflow: hidden;
}
.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.25;
}
.orb1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, var(--gold) 0%, transparent 70%);
  top: -200px; right: -200px;
  animation: orbFloat 12s ease-in-out infinite;
}
.orb2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, #1e6fb5 0%, transparent 70%);
  bottom: -100px; left: -100px;
  animation: orbFloat 16s ease-in-out infinite reverse;
}
.orb3 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, var(--gold-light) 0%, transparent 70%);
  top: 50%; left: 40%;
  animation: orbFloat 20s ease-in-out infinite;
  opacity: 0.1;
}
@keyframes orbFloat {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(30px, -40px) scale(1.05); }
  66% { transform: translate(-20px, 20px) scale(0.95); }
}
.grid-overlay {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  flex: 1;
  max-width: 600px;
  animation: fadeInUp 0.9s ease both;
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(40px); }
  to   { opacity: 1; transform: translateY(0); }
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold-light);
  padding: 6px 16px;
  border-radius: 99px;
  font-size: 0.82rem;
  font-weight: 500;
  margin-bottom: 24px;
  letter-spacing: 0.03em;
}
.hero-title {
  margin-bottom: 20px;
}
.company-name-hero {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 6vw, 4.5rem);
  font-weight: 900;
  line-height: 1.05;
  background: linear-gradient(135deg, var(--gold-light) 30%, var(--white) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.tagline-hero {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.1rem, 2.5vw, 1.6rem);
  font-weight: 400;
  font-style: italic;
  color: var(--gold);
  margin-top: 4px;
}
.hero-sub {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 14px 32px;
  border-radius: 99px;
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
  box-shadow: 0 8px 32px rgba(201,168,76,0.35);
}
.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 48px rgba(201,168,76,0.5);
}
.btn-primary .arrow {
  transition: transform var(--transition);
}
.btn-primary:hover .arrow { transform: translateX(4px); }

.btn-secondary {
  background: rgba(255,255,255,0.06);
  color: var(--text);
  border: 1px solid rgba(255,255,255,0.15);
  padding: 14px 32px;
  border-radius: 99px;
  font-weight: 500;
  font-size: 1rem;
  transition: var(--transition);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(201,168,76,0.4);
  color: var(--gold-light);
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
}
.stat { text-align: center; }
.stat-num {
  display: block;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold-light);
}
.stat-label {
  display: block;
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.stat-divider {
  width: 1px; height: 40px;
  background: rgba(201,168,76,0.25);
}

/* Hero Visual */
.hero-visual {
  flex: 0 0 340px;
  position: relative;
  height: 360px;
  display: none;
  animation: fadeInUp 0.9s 0.3s ease both;
}
@media(min-width:900px) { .hero-visual { display: block; } }

.hero-coin {
  width: 200px; height: 200px;
  background: conic-gradient(var(--gold) 0deg, var(--gold-light) 90deg, var(--gold) 180deg, var(--gold-pale) 270deg, var(--gold) 360deg);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  box-shadow: 0 0 80px rgba(201,168,76,0.4), inset 0 0 30px rgba(255,255,255,0.1);
  animation: coinSpin 20s linear infinite;
}
@keyframes coinSpin {
  from { transform: translate(-50%, -50%) rotateY(0deg); }
  to   { transform: translate(-50%, -50%) rotateY(360deg); }
}
.coin-inner {
  font-size: 4rem;
  font-weight: 900;
  color: var(--navy);
  font-family: var(--font-display);
}

.card-float {
  position: absolute;
  background: rgba(17, 34, 64, 0.9);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius);
  padding: 14px 18px;
  box-shadow: var(--shadow-card);
  text-align: center;
  min-width: 130px;
}
.cf-icon { font-size: 1.5rem; margin-bottom: 4px; }
.cf-label { font-size: 0.75rem; color: var(--text-muted); margin-bottom: 2px; }
.cf-amt { font-size: 0.9rem; font-weight: 700; color: var(--gold-light); }

.card-f1 { top: 0; left: -20px; animation: floatA 6s ease-in-out infinite; }
.card-f2 { bottom: 0; right: -20px; animation: floatB 7s ease-in-out infinite; }
.card-f3 { top: 10px; right: -10px; animation: floatA 8s ease-in-out infinite reverse; }

@keyframes floatA {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-16px); }
}
@keyframes floatB {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(16px); }
}

/* =============================================
   SECTION HEADER
============================================= */
.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-tag {
  display: inline-block;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  padding: 4px 16px;
  border-radius: 99px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.section-header p {
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 500px;
  margin: 0 auto;
}

/* =============================================
   SERVICES
============================================= */
.services {
  padding: 100px 0;
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 100%);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.service-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius);
  padding: 32px 28px;
  position: relative;
  transition: var(--transition);
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(201,168,76,0.05) 0%, transparent 60%);
  opacity: 0;
  transition: var(--transition);
}
.service-card:hover {
  border-color: rgba(201,168,76,0.35);
  transform: translateY(-6px);
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
}
.service-card:hover::before { opacity: 1; }

.service-card.featured {
  border-color: rgba(201,168,76,0.5);
  background: rgba(201,168,76,0.05);
}

.sc-badge {
  position: absolute;
  top: 20px; right: 20px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 3px 12px;
  border-radius: 99px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}
.sc-icon-wrap {
  margin-bottom: 20px;
}
.sc-icon {
  width: 56px; height: 56px;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  transition: var(--transition);
}
.service-card:hover .sc-icon {
  background: rgba(201,168,76,0.2);
  transform: scale(1.1);
}
.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 2px;
}
.sc-short {
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.service-card > p:not(.sc-short) {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 20px;
  line-height: 1.7;
}
.sc-features {
  margin-bottom: 28px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.sc-features li {
  font-size: 0.85rem;
  color: var(--text);
  display: flex;
  align-items: center;
  gap: 8px;
}
.sc-apply-btn {
  width: 100%;
  background: transparent;
  border: 1px solid rgba(201,168,76,0.45);
  color: var(--gold-light);
  padding: 11px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
  transition: var(--transition);
}
.sc-apply-btn:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.service-card.featured .sc-apply-btn {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-color: transparent;
}
.service-card.featured .sc-apply-btn:hover {
  box-shadow: 0 8px 24px rgba(201,168,76,0.4);
}

/* =============================================
   WHY US
============================================= */
.why-us {
  padding: 100px 0;
  background: var(--navy-mid);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
@media(max-width:768px) { .why-grid { grid-template-columns: 1fr; gap: 48px; } }

.why-left h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 700;
  color: var(--white);
  margin: 16px 0 16px;
  line-height: 1.25;
}
.why-left > p {
  color: var(--text-muted);
  font-size: 1rem;
  margin-bottom: 36px;
  line-height: 1.7;
}
.why-features { display: flex; flex-direction: column; gap: 24px; }
.wf-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.wf-icon {
  width: 44px; height: 44px;
  background: rgba(201,168,76,0.1);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
  border: 1px solid rgba(201,168,76,0.15);
}
.wf-item h4 {
  color: var(--white);
  font-weight: 600;
  margin-bottom: 4px;
}
.wf-item p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.6;
}

.process-steps {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius);
  padding: 36px;
}
.process-steps h3 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--gold-light);
  margin-bottom: 32px;
}
.step {
  display: flex;
  align-items: flex-start;
  gap: 20px;
}
.step-num {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  flex-shrink: 0;
}
.step-info h4 {
  color: var(--white);
  font-weight: 600;
  margin-bottom: 4px;
  font-size: 1rem;
}
.step-info p { color: var(--text-muted); font-size: 0.88rem; line-height: 1.6; }
.step-line {
  width: 2px; height: 36px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  margin-left: 23px;
}

/* =============================================
   CONTACT
============================================= */
.contact-section {
  padding: 100px 0;
  background: var(--navy);
}
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.contact-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  transition: var(--transition);
}
.contact-card:hover {
  border-color: rgba(201,168,76,0.3);
  transform: translateY(-4px);
}
.cc-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}
.contact-card h4 {
  color: var(--gold-light);
  font-family: var(--font-display);
  font-size: 1.1rem;
  margin-bottom: 10px;
}
.contact-card p {
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.7;
}

/* =============================================
   FOOTER
============================================= */
.footer {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.12);
  padding: 40px 0 24px;
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 32px;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.footer-links {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.footer-links a {
  font-size: 0.88rem;
  color: var(--text-muted);
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 20px;
  text-align: center;
}
.footer-bottom p {
  color: var(--text-muted);
  font-size: 0.82rem;
}

/* =============================================
   MODAL
============================================= */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.75);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}
.modal-overlay.open {
  opacity: 1;
  pointer-events: all;
}
.modal-box {
  background: var(--navy-mid);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 24px;
  padding: 40px;
  width: 100%;
  max-width: 620px;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  box-shadow: 0 40px 120px rgba(0,0,0,0.6);
  transform: scale(0.95) translateY(20px);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.modal-overlay.open .modal-box {
  transform: scale(1) translateY(0);
}

/* Modal Progress */
.modal-progress {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 36px;
  justify-content: center;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  opacity: 0.4;
  transition: var(--transition);
}
.progress-step.active { opacity: 1; }
.progress-step.done { opacity: 0.7; }
.prog-dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 2px solid rgba(201,168,76,0.3);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  transition: var(--transition);
}
.progress-step.active .prog-dot {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-color: var(--gold);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(201,168,76,0.4);
}
.progress-step.done .prog-dot {
  background: rgba(34,197,94,0.2);
  border-color: var(--success);
  color: var(--success);
}
.progress-step span {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  white-space: nowrap;
}
.progress-bar-line {
  flex: 1;
  height: 2px;
  background: rgba(201,168,76,0.15);
  margin: 0 16px;
  margin-bottom: 18px;
  max-width: 80px;
  position: relative;
  overflow: hidden;
}
.progress-bar-line::after {
  content: '';
  position: absolute;
  top: 0; left: 0; bottom: 0;
  width: 0%;
  background: var(--gold);
  transition: width 0.6s ease;
}
.progress-bar-line.filled::after { width: 100%; }

.modal-close {
  position: absolute;
  top: 20px; right: 20px;
  background: rgba(255,255,255,0.05);
  color: var(--text-muted);
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  transition: var(--transition);
}
.modal-close:hover {
  background: rgba(255,255,255,0.12);
  color: var(--white);
}

.modal-title {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}
.modal-sub {
  color: var(--text-muted);
  font-size: 0.88rem;
  margin-bottom: 28px;
}
.verify-note {
  color: var(--success);
  font-size: 0.82rem;
  font-weight: 500;
}

/* Form */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 24px;
}
@media(max-width:520px) { .form-grid { grid-template-columns: 1fr; } }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.req { color: var(--gold); }
.form-group input,
.form-group select {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.95rem;
  transition: var(--transition);
  outline: none;
  width: 100%;
}
.form-group input::placeholder { color: rgba(138,154,181,0.5); }
.form-group input:focus,
.form-group select:focus {
  border-color: var(--gold);
  background: rgba(201,168,76,0.05);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1);
}
.form-group select option {
  background: var(--navy-mid);
  color: var(--white);
}
.field-hint {
  font-size: 0.76rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* File Upload */
.file-upload-wrap {
  border: 2px dashed rgba(201,168,76,0.25);
  border-radius: var(--radius-sm);
  padding: 28px;
  display: flex;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  transition: var(--transition);
  background: rgba(201,168,76,0.03);
}
.file-upload-wrap:hover {
  border-color: var(--gold);
  background: rgba(201,168,76,0.07);
}
.fu-icon { font-size: 2rem; }
.fu-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.fu-text strong { color: var(--gold-light); font-size: 0.9rem; }
.fu-text span { color: var(--text-muted); font-size: 0.78rem; }
.file-info {
  font-size: 0.82rem;
  color: var(--success);
  margin-top: 4px;
}

/* Card input */
.card-input-wrap {
  position: relative;
}
.card-input-wrap input { padding-right: 48px; }
.card-icons {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.2rem;
  pointer-events: none;
}

/* Security note */
.security-note {
  background: rgba(34,197,94,0.06);
  border: 1px solid rgba(34,197,94,0.2);
  border-radius: var(--radius-sm);
  padding: 16px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 24px;
}
.lock-icon { font-size: 1.4rem; }
.security-note strong { color: var(--success); font-size: 0.88rem; display: block; margin-bottom: 2px; }
.security-note p { color: var(--text-muted); font-size: 0.8rem; }

/* Error */
.error-msg {
  background: rgba(239,68,68,0.1);
  border: 1px solid rgba(239,68,68,0.3);
  color: #fca5a5;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  display: none;
  margin-bottom: 12px;
}
.error-msg.visible { display: block; }

/* Actions */
.modal-actions {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 4px;
}
.btn-modal-cancel {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--text-muted);
  padding: 12px 24px;
  border-radius: 99px;
  font-weight: 500;
  font-size: 0.9rem;
  transition: var(--transition);
}
.btn-modal-cancel:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
}
.btn-modal-next,
.btn-modal-submit {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 12px 32px;
  border-radius: 99px;
  font-weight: 700;
  font-size: 0.95rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 16px rgba(201,168,76,0.3);
}
.btn-modal-next:hover,
.btn-modal-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,168,76,0.45);
}

/* Loading */
.loading-wrap {
  text-align: center;
  padding: 40px 20px;
}
.loader-ring {
  width: 64px; height: 64px;
  border: 4px solid rgba(201,168,76,0.15);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
  margin: 0 auto 28px;
}
@keyframes spin { to { transform: rotate(360deg); } }
.loading-title {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--gold-light);
  margin-bottom: 8px;
}
.loading-sub { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 28px; }
.loading-steps {
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-align: left;
  max-width: 280px;
  margin: 0 auto;
}
.ls-item {
  background: rgba(255,255,255,0.04);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.85rem;
  color: var(--text-muted);
  border: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}
.ls-item.done {
  border-color: rgba(34,197,94,0.3);
  color: var(--success);
  background: rgba(34,197,94,0.06);
}

/* Success */
.success-wrap {
  text-align: center;
  padding: 20px 0;
}
.success-icon-wrap {
  margin-bottom: 20px;
}
.success-icon {
  width: 80px; height: 80px;
  background: rgba(34,197,94,0.1);
  border: 2px solid rgba(34,197,94,0.4);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
  margin: 0 auto;
  animation: successPop 0.5s cubic-bezier(0.34,1.56,0.64,1) both;
}
@keyframes successPop {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
.success-wrap h2 {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--white);
  margin-bottom: 12px;
}
.success-msg {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 16px;
}
.success-ref {
  display: inline-block;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.25);
  color: var(--gold-light);
  padding: 8px 20px;
  border-radius: 99px;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
}

/* Hidden util */
.hidden { display: none !important; }

/* Step animation */
.step-content {
  animation: stepIn 0.3s ease both;
}
@keyframes stepIn {
  from { opacity: 0; transform: translateX(20px); }
  to   { opacity: 1; transform: translateX(0); }
}

/* =============================================
   RESPONSIVE
============================================= */
@media(max-width:768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }

  .hero {
    flex-direction: column;
    padding: 100px 24px 60px;
    min-height: auto;
  }
  .hero-stats {
    gap: 16px;
  }
  .modal-box {
    padding: 28px 20px;
    margin: 0;
    border-radius: 20px;
  }
  .modal-title { font-size: 1.4rem; }
}

@media(max-width:480px) {
  .hero-stats { flex-wrap: wrap; gap: 12px; }
  .stat-divider { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .modal-actions { flex-direction: column; }
  .btn-modal-cancel, .btn-modal-next, .btn-modal-submit { width: 100%; justify-content: center; }
}