:root {
  --teal: #0d9488;
  --teal-dark: #0f766e;
  --teal-soft: #e6f7f5;
  --navy: #0b1f3a;
  --navy-deep: #071526;
  --green: #84cc16;
  --text: #334155;
  --muted: #64748b;
  --border: #e2e8f0;
  --white: #ffffff;
  --shadow: 0 12px 40px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 24px 60px rgba(11, 31, 58, 0.14);
  --radius: 14px;
  --header-h: 104px;
  --font: "Plus Jakarta Sans", system-ui, sans-serif;
}

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  padding-top: var(--header-h);
  overflow-x: hidden;
}

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

a {
  text-decoration: none;
  color: inherit;
  transition: color 0.25s ease, opacity 0.25s ease;
}

/* Header */
.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 1040;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 rgba(11, 31, 58, 0.06);
  transition: box-shadow 0.3s ease, background 0.3s ease;
}

.site-header.is-scrolled {
  box-shadow: 0 8px 30px rgba(11, 31, 58, 0.08);
}

.navbar-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  margin-right: 1.25rem;
  padding-top: 0.35rem;
  padding-bottom: 0.35rem;
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.08;
  white-space: nowrap;
}

.brand-text strong {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: 0.01em;
  background: linear-gradient(120deg, var(--navy) 0%, var(--teal-dark) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.brand-text small {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-top: 0.15rem;
}

.brand-logo {
  height: 84px;
  width: auto;
  max-width: min(320px, 52vw);
  object-fit: contain;
  object-position: left center;
  filter: drop-shadow(0 1px 2px rgba(11, 31, 58, 0.06));
  transition: transform 0.25s ease, filter 0.25s ease;
}

.navbar-brand:hover .brand-logo {
  transform: scale(1.02);
  filter: drop-shadow(0 2px 6px rgba(13, 148, 136, 0.18));
}

.brand-logo-round {
  aspect-ratio: 1 / 1;
  width: auto;
  max-width: none;
  object-fit: contain;
}

.brand-logo-footer {
  height: 64px;
  max-width: 240px;
  background: #ffffff;
  border-radius: 12px;
  padding: 8px 12px;
}

.brand-logo-round.brand-logo-footer {
  padding: 6px;
  border-radius: 50%;
  max-width: none;
}

.navbar-nav .nav-link {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.55rem 0.85rem !important;
  position: relative;
}

.navbar-nav .nav-link::after {
  content: "";
  position: absolute;
  left: 0.85rem;
  right: 0.85rem;
  bottom: 0.2rem;
  height: 2px;
  background: var(--teal);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active {
  color: var(--teal-dark);
}

.navbar-nav .nav-link.active::after,
.navbar-nav .nav-link:hover::after {
  transform: scaleX(1);
}

.dropdown-menu {
  border-radius: 12px;
  padding: 0.5rem;
  margin-top: 0.5rem !important;
}

.dropdown-item {
  border-radius: 8px;
  font-weight: 500;
  padding: 0.55rem 0.85rem;
}

.dropdown-item:hover,
.dropdown-item:focus {
  background: var(--teal-soft);
  color: var(--teal-dark);
}

.header-phone {
  align-items: center;
  gap: 0.5rem;
  color: var(--navy);
  font-weight: 700;
  font-size: 0.92rem;
}

.header-phone i {
  color: var(--teal);
}

.btn-login {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 10px;
  padding: 0.65rem 1.15rem;
  font-weight: 700;
  font-size: 0.92rem;
  transition: background 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}

.btn-login:hover,
.btn-login:focus {
  background: #132a4a;
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(11, 31, 58, 0.2);
}

.btn-primary-teal {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  color: var(--white);
  border: none;
  border-radius: 12px;
  padding: 0.85rem 1.4rem;
  font-weight: 700;
  box-shadow: 0 10px 24px rgba(13, 148, 136, 0.28);
  transition: transform 0.25s ease, box-shadow 0.25s ease, filter 0.25s ease;
}

.btn-primary-teal:hover,
.btn-primary-teal:focus {
  color: var(--white);
  filter: brightness(1.05);
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(13, 148, 136, 0.35);
}

.btn-outline-teal {
  background: transparent;
  color: var(--teal-dark);
  border: 1.5px solid var(--teal);
  border-radius: 12px;
  padding: 0.85rem 1.4rem;
  font-weight: 700;
  transition: background 0.25s ease, color 0.25s ease, transform 0.25s ease;
}

.btn-outline-teal:hover,
.btn-outline-teal:focus {
  background: var(--teal-soft);
  color: var(--teal-dark);
  transform: translateY(-2px);
}

/* Hero — split layout: copy left, photo panel right */
.hero-section {
  position: relative;
  padding: 3.5rem 0 6rem;
  overflow: hidden;
  background: linear-gradient(180deg, #eefbf8 0%, #ffffff 72%);
}

.hero-section::before {
  content: "";
  position: absolute;
  top: -12%;
  right: -8%;
  width: 42%;
  height: 60%;
  background: radial-gradient(circle, rgba(13, 148, 136, 0.1), transparent 70%);
  z-index: 0;
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2.75rem;
  align-items: center;
}

.hero-copy {
  max-width: 36rem;
}

.hero-brand {
  margin: 0 0 0.85rem;
  font-size: clamp(1.15rem, 1.8vw, 1.4rem);
  font-weight: 800;
  letter-spacing: 0.02em;
  color: var(--teal-dark);
  animation: fadeUp 0.7s ease both;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  background: var(--teal-soft);
  color: var(--teal-dark);
  border: 1px solid rgba(13, 148, 136, 0.25);
  border-radius: 999px;
  padding: 0.45rem 0.95rem;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1.15rem;
  animation: fadeUp 0.75s ease 0.05s both;
}

.hero-title {
  color: var(--navy);
  font-weight: 800;
  font-size: clamp(2.4rem, 5vw, 3.75rem);
  line-height: 1.1;
  margin-bottom: 1.1rem;
  animation: fadeUp 0.8s ease 0.08s both;
}

.hero-title span {
  color: var(--teal-dark);
}

.hero-text {
  color: var(--muted);
  font-size: 1.08rem;
  max-width: 32rem;
  margin-bottom: 1.75rem;
  animation: fadeUp 0.8s ease 0.12s both;
}

.hero-actions {
  animation: fadeUp 0.8s ease 0.16s both;
}

.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  animation: fadeUp 0.9s ease 0.14s both;
}

.hero-visual-blob {
  position: absolute;
  inset: -6% -6% 4% 8%;
  background: linear-gradient(135deg, rgba(13, 148, 136, 0.22), rgba(132, 204, 22, 0.14));
  border-radius: 42% 58% 54% 46% / 48% 44% 56% 52%;
  z-index: 0;
}

.hero-photo-frame {
  position: relative;
  z-index: 1;
  width: 100%;
  border-radius: 26px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.hero-photo {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

/* Trust ribbon */
.trust-ribbon {
  position: relative;
  z-index: 2;
  padding: 2.5rem 0;
  background: linear-gradient(180deg, #f8fbfd 0%, #ffffff 100%);
  border-bottom: 1px solid var(--border);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  text-align: center;
}

.trust-item strong {
  display: block;
  color: var(--navy);
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  font-weight: 800;
  line-height: 1.2;
}

.trust-item strong .counter {
  color: var(--teal-dark);
}

.trust-item span {
  display: block;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 600;
  margin-top: 0.25rem;
}

/* Feature strip */
.feature-strip {
  margin-top: -3.75rem;
  position: relative;
  z-index: 2;
  padding-bottom: 1rem;
}

.feature-card {
  background: var(--white);
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  padding: 1.75rem 1.25rem;
}

.feature-item {
  text-align: center;
  padding: 0.5rem 0.75rem;
  height: 100%;
  transition: transform 0.25s ease;
}

.feature-item:hover {
  transform: translateY(-4px);
}

.feature-icon {
  width: 52px;
  height: 52px;
  margin: 0 auto 0.9rem;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: var(--teal-soft);
  color: var(--teal-dark);
  font-size: 1.2rem;
}

.feature-item h3 {
  color: var(--navy);
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 0.35rem;
}

.feature-item p {
  color: var(--muted);
  font-size: 0.88rem;
  margin: 0;
}

/* Impact gallery */
.impact-section {
  padding: 5rem 0 2rem;
}

.impact-grid {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 1.25rem;
}

.impact-photo {
  position: relative;
  margin: 0;
  border-radius: 22px;
  overflow: hidden;
  min-height: 320px;
  box-shadow: var(--shadow);
}

.impact-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.7s ease;
}

.impact-photo:hover img {
  transform: scale(1.04);
}

.impact-photo-main {
  min-height: 420px;
}

.impact-photo figcaption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 1.35rem 1.4rem;
  background: linear-gradient(to top, rgba(7, 21, 38, 0.85), transparent);
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.impact-photo figcaption strong {
  font-size: 1.1rem;
  font-weight: 800;
}

.impact-photo figcaption span {
  font-size: 0.9rem;
  opacity: 0.9;
}

.about-visual {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.about-visual::after {
  content: "";
  position: absolute;
  inset: auto -12px -12px auto;
  width: 42%;
  height: 42%;
  border-radius: 20px;
  background: linear-gradient(145deg, rgba(13, 148, 136, 0.35), rgba(132, 204, 22, 0.25));
  z-index: -1;
}

.about-visual img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.about-points {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 0;
}

.about-points li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--text);
  font-weight: 600;
  margin-bottom: 0.65rem;
}

.about-points i {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--teal-soft);
  color: var(--teal-dark);
  font-size: 0.7rem;
  flex-shrink: 0;
}

/* Sections */
.about-section,
.loan-section,
.how-section {
  padding: 5rem 0;
}

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--teal);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.85rem;
}

.section-eyebrow::before,
.section-eyebrow::after {
  content: "";
  width: 28px;
  height: 2px;
  background: rgba(13, 148, 136, 0.45);
}

.section-header .section-eyebrow::before,
.section-header .section-eyebrow::after {
  display: inline-block;
}

.section-title {
  color: var(--navy);
  font-weight: 800;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  margin-bottom: 0.75rem;
}

.section-lead {
  color: var(--muted);
  max-width: 40rem;
  margin: 0 auto;
}

.stat-box {
  background: linear-gradient(180deg, #f8fffe 0%, #f4faf9 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.35rem 1rem;
  text-align: center;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.stat-box:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.stat-box strong {
  display: block;
  color: var(--teal-dark);
  font-size: 1.8rem;
  font-weight: 800;
  line-height: 1.2;
}

.stat-box span {
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 600;
}

.loan-section {
  background:
    linear-gradient(180deg, #f8fbfd 0%, #ffffff 100%);
}

.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 1.6rem 1.35rem;
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
  border-color: rgba(13, 148, 136, 0.35);
}

.loan-icon {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: var(--teal-soft);
  color: var(--teal-dark);
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

.loan-card h3 {
  color: var(--navy);
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 0.55rem;
}

.loan-card p {
  color: var(--muted);
  font-size: 0.94rem;
  margin-bottom: 1rem;
}

.loan-link {
  color: var(--teal-dark);
  font-weight: 700;
  font-size: 0.92rem;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.loan-link:hover {
  color: var(--navy);
}

.loan-link i {
  transition: transform 0.25s ease;
}

.loan-link:hover i {
  transform: translateX(4px);
}

.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 1.75rem 1.4rem;
  height: 100%;
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.step-number {
  display: inline-block;
  color: var(--teal);
  font-weight: 800;
  font-size: 0.9rem;
  letter-spacing: 0.08em;
  margin-bottom: 0.85rem;
}

.step-card h3 {
  color: var(--navy);
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
}

.step-card p {
  color: var(--muted);
  margin: 0;
}

/* Testimonials */
.testimonial-section {
  padding: 5rem 0;
  background: linear-gradient(180deg, #ffffff 0%, #f6faf9 100%);
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 1.85rem 1.6rem;
  height: 100%;
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  margin: 0;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.testimonial-quote {
  color: rgba(13, 148, 136, 0.25);
  font-size: 1.6rem;
  margin-bottom: 0.75rem;
}

.testimonial-card blockquote {
  margin: 0 0 1.4rem;
  color: var(--text);
  font-size: 0.98rem;
  line-height: 1.7;
}

.testimonial-card figcaption {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--teal-soft);
  color: var(--teal-dark);
  font-weight: 800;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.testimonial-card figcaption strong {
  display: block;
  color: var(--navy);
  font-size: 0.94rem;
  font-weight: 800;
}

.testimonial-card figcaption span {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
}

/* Floating action buttons */
.float-actions {
  position: fixed;
  right: max(1.25rem, env(safe-area-inset-right));
  bottom: max(1.25rem, env(safe-area-inset-bottom));
  z-index: 1050;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  align-items: center;
}

.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 1.3rem;
  color: #fff;
  border: none;
  box-shadow: 0 10px 24px rgba(11, 31, 58, 0.22);
  transition: transform 0.25s ease, box-shadow 0.25s ease, opacity 0.25s ease;
}

.float-btn:hover {
  transform: translateY(-3px) scale(1.05);
  color: #fff;
}

.float-whatsapp {
  background: #25d366;
}

.float-call {
  background: var(--navy);
}

.float-top {
  background: var(--teal-dark);
  font-size: 1.05rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  pointer-events: none;
}

.float-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}

/* CTA */
.cta-section {
  padding: 0 0 5rem;
}

.cta-bar {
  background: linear-gradient(120deg, var(--navy) 0%, #123156 55%, #0d4a4a 100%);
  border-radius: 20px;
  padding: 1.5rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  flex-wrap: wrap;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}

.cta-bar-photo {
  min-height: 140px;
  padding: 1.85rem 2rem;
}

.cta-bar-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.cta-bar-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
  filter: brightness(0.45) saturate(1.05);
}

.cta-bar-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(7, 21, 38, 0.88) 0%, rgba(13, 148, 136, 0.55) 100%);
}

.cta-bar-photo .cta-copy,
.cta-bar-photo .btn {
  position: relative;
  z-index: 1;
}

.cta-copy {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: var(--white);
}

.cta-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: rgba(13, 148, 136, 0.25);
  color: #5eead4;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.cta-copy h2 {
  font-size: 1.25rem;
  font-weight: 800;
  margin: 0 0 0.2rem;
}

.cta-copy p {
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.95rem;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.78);
  padding: 4.5rem 0 0;
}

.footer-about {
  max-width: 28rem;
  margin-bottom: 1.25rem;
}

.social-links {
  display: flex;
  gap: 0.7rem;
}

.social-links a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  transition: background 0.25s ease, transform 0.25s ease;
}

.social-links a:hover {
  background: var(--teal);
  transform: translateY(-2px);
}

.footer-title {
  color: var(--white);
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 1.1rem;
}

.footer-links,
.footer-contact {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li + li,
.footer-contact li + li {
  margin-top: 0.65rem;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: #5eead4;
}

.footer-contact li {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
}

.footer-contact i {
  color: #5eead4;
  margin-top: 0.2rem;
}

.footer-bottom {
  margin-top: 3rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.25rem 0;
  text-align: center;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.6);
}

.dev-credit {
  display: block;
  margin-top: 0.4rem;
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.28);
  letter-spacing: 0.02em;
  transition: color 0.25s ease;
}

.dev-credit:hover {
  color: rgba(255, 255, 255, 0.6);
}

/* Modals */
.loan-modal-content {
  border: none;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.modal-subtitle {
  color: var(--muted);
  font-size: 0.92rem;
}

.form-label {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.9rem;
}

.form-control,
.form-select {
  border-radius: 10px;
  border-color: var(--border);
  padding: 0.7rem 0.9rem;
  min-height: 46px;
}

.form-control:focus,
.form-select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 0.2rem rgba(13, 148, 136, 0.15);
}

.form-feedback {
  border-radius: 10px;
  padding: 0.85rem 1rem;
  font-weight: 600;
  font-size: 0.92rem;
}

.form-feedback.success {
  background: #ecfdf5;
  color: #047857;
  border: 1px solid #a7f3d0;
}

.form-feedback.error {
  background: #fef2f2;
  color: #b91c1c;
  border: 1px solid #fecaca;
}

.form-control.is-invalid,
.form-select.is-invalid {
  border-color: #ef4444;
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Responsive */
@media (max-width: 991.98px) {
  :root {
    --header-h: 84px;
  }

  .brand-logo,
  .brand-logo-round {
    height: 56px;
    width: 56px;
    max-width: none;
  }

  .brand-text strong {
    font-size: 1.15rem;
  }

  .brand-text small {
    font-size: 0.6rem;
  }

  .navbar-collapse {
    background: var(--white);
    border-radius: 14px;
    padding: 1rem;
    margin-top: 0.75rem;
    box-shadow: var(--shadow);
    max-height: calc(100vh - var(--header-h) - 1rem);
    overflow-y: auto;
  }

  .navbar-nav .nav-link {
    padding: 0.75rem 0.85rem !important;
    font-size: 1rem;
  }

  .navbar-nav .nav-link::after {
    display: none;
  }

  .header-actions {
    width: 100%;
    flex-direction: column;
    align-items: stretch !important;
    gap: 0.75rem !important;
  }

  .header-actions .btn-login {
    width: 100%;
    justify-content: center;
    min-height: 48px;
  }

  .header-phone {
    justify-content: center;
    display: inline-flex !important;
  }

  .hero-section {
    padding: 2.5rem 0 5rem;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .hero-copy {
    max-width: none;
    text-align: center;
  }

  .hero-title {
    font-size: clamp(2.1rem, 6vw, 3rem);
  }

  .hero-text {
    max-width: none;
    margin-inline: auto;
    font-size: 1.02rem;
  }

  .hero-actions {
    justify-content: center;
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
  }

  .hero-visual {
    order: -1;
    max-width: 460px;
    margin: 0 auto;
    width: 100%;
  }

  .feature-card {
    padding: 1.4rem 0.85rem;
  }

  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.75rem 1rem;
  }

  .loan-modal-content {
    border-radius: 16px;
  }

  .modal-dialog {
    margin: 0.75rem;
  }
}

@media (max-width: 767.98px) {
  :root {
    --header-h: 72px;
  }

  .brand-logo,
  .brand-logo-round {
    height: 48px;
    width: 48px;
  }

  .navbar-brand {
    gap: 0.5rem;
    margin-right: 0.5rem;
  }

  .brand-text strong {
    font-size: 0.98rem;
  }

  .brand-text small {
    font-size: 0.54rem;
    letter-spacing: 0.08em;
  }

  .hero-section {
    padding: 1.75rem 0 4.5rem;
  }

  .hero-badge {
    font-size: 0.65rem;
    padding: 0.4rem 0.75rem;
  }

  .hero-title {
    font-size: clamp(1.85rem, 7.5vw, 2.4rem);
    margin-bottom: 0.9rem;
  }

  .hero-text {
    font-size: 0.98rem;
    margin-bottom: 1.35rem;
  }

  .feature-strip {
    margin-top: -2.5rem;
  }

  .cta-bar {
    flex-direction: column;
    align-items: stretch;
    padding: 1.25rem;
    border-radius: 16px;
  }

  .cta-bar-photo {
    min-height: 0;
    padding: 1.35rem 1.25rem;
  }

  .cta-copy {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }

  .cta-copy h2 {
    font-size: 1.1rem;
  }

  .cta-bar .btn {
    width: 100%;
    min-height: 48px;
    justify-content: center;
  }

  .about-section,
  .loan-section,
  .how-section,
  .testimonial-section {
    padding: 3rem 0;
  }

  .section-title {
    font-size: clamp(1.45rem, 5.5vw, 1.85rem);
  }

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

  .loan-card {
    padding: 1.25rem;
  }

  .float-actions {
    right: max(0.85rem, env(safe-area-inset-right));
    bottom: max(0.85rem, env(safe-area-inset-bottom));
  }

  .float-btn {
    width: 46px;
    height: 46px;
    font-size: 1.15rem;
  }

  .loan-modal-content .modal-header,
  .loan-modal-content .modal-body {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .loan-modal-content .modal-body .btn,
  .loan-modal-content button[type="submit"] {
    width: 100%;
    min-height: 48px;
  }

  .form-control,
  .form-select {
    font-size: 16px;
    min-height: 48px;
  }
}

@media (max-width: 575.98px) {
  .container {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    min-height: 48px;
    justify-content: center;
  }

  .trust-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem 0.75rem;
  }

  .trust-item strong {
    font-size: 1.35rem;
  }

  .trust-item span {
    font-size: 0.78rem;
  }

  .feature-card h3 {
    font-size: 0.95rem;
  }

  .feature-card p {
    font-size: 0.85rem;
  }

  .site-footer {
    padding-top: 3rem;
  }

  .footer-bottom {
    margin-top: 2rem;
    padding: 1rem 0;
  }
}

@media (max-width: 400px) {
  .brand-text small {
    display: none;
  }

  .brand-logo,
  .brand-logo-round {
    height: 44px;
    width: 44px;
  }

  .trust-grid {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .trust-item {
    display: flex;
    align-items: baseline;
    gap: 0.5rem;
  }

  .trust-item strong,
  .trust-item span {
    display: inline;
    margin: 0;
  }
}

/* 3:4 friendly composition helpers */
@media (min-aspect-ratio: 3/4) and (max-width: 1100px) {
  .hero-title {
    font-size: clamp(2rem, 4vw, 2.8rem);
  }
}