/* TWKembara — pinjamanmudahtw.com — Stylesheet */
/* ============================================================
   ROOT & RESET
   ============================================================ */
:root {
  --primary:#1a3c6e; --primary-dark:#0f2347;
  --accent:#e8a020; --accent-dark:#c98a18;
  --green:#2e7d5e; --green-light:#eaf5f0;
  --red:#e84040; --red-light:#fef0f0;
  --yellow:#f59e0b; --yellow-light:#fffbeb;
  --light-bg:#f4f7fb; --white:#ffffff;
  --text:#1a2434; --muted:#5a6882; --border:#dde4ef;
  --shadow-sm:0 2px 12px rgba(26,60,110,0.07);
  --shadow-md:0 8px 30px rgba(26,60,110,0.10);
  --shadow-lg:0 20px 60px rgba(26,60,110,0.13);
  --radius:12px; --radius-lg:20px;
  --tr:all 0.25s cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text);background:var(--white);line-height:1.7;overflow-x:hidden}
a{text-decoration:none}
::-webkit-scrollbar{width:6px}
::-webkit-scrollbar-track{background:#f0f4fa}
::-webkit-scrollbar-thumb{background:var(--primary);border-radius:3px}

/* ============================================================
   PUBLIC SITE STYLES
   ============================================================ */
.top-banner{background:var(--primary);padding:10px 5%;display:flex;align-items:center;justify-content:center;gap:20px;flex-wrap:wrap;font-size:.82rem;color:rgba(255,255,255,.85)}

/* GOOGLE ADS COMPLIANCE STRIP */
.ads-disclaimer-strip{background:#0d1f3c;padding:10px 5%;border-bottom:1px solid rgba(232,160,32,.2)}
.ads-disclaimer-inner{display:flex;align-items:center;justify-content:center;gap:10px;flex-wrap:wrap;font-size:.75rem;color:rgba(255,255,255,.7);text-align:center;line-height:1.5}
.ads-disclaimer-inner strong{color:var(--accent)}
.ads-divider{opacity:.4;font-size:.5rem}
@media(max-width:640px){.ads-disclaimer-inner{font-size:.68rem;gap:4px}.ads-divider{display:none}.ads-disclaimer-inner span{display:block}}
.top-banner strong{color:var(--accent)}
.top-banner a{color:rgba(255,255,255,.9);font-weight:600;transition:color .2s}
.top-banner a:hover{color:var(--accent)}
.banner-divider{opacity:.35}

#main-nav{position:sticky;top:0;z-index:200;background:var(--white);border-bottom:1px solid var(--border);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:70px;box-shadow:var(--shadow-sm);transition:box-shadow .3s}
#main-nav.scrolled{box-shadow:0 4px 24px rgba(26,60,110,.12)}
.nav-logo{display:flex;align-items:center;gap:10px;cursor:pointer;text-decoration:none}
.nav-logo span{color:var(--accent)}

/* ── CONCEPT 1: GOLD CREST LOGO ── */
.crest-logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;cursor:pointer}
.crest-logo:hover .crest-shield{filter:brightness(1.1);transform:scale(1.04)}

/* Shield mark */
.crest-shield{
  position:relative;
  width:38px;height:42px;flex-shrink:0;
  transition:transform .25s ease,filter .25s ease
}
.crest-shield-outer{
  position:absolute;inset:0;
  background:linear-gradient(160deg,#e8a020,#c98a18);
  clip-path:polygon(50% 0%,100% 20%,100% 68%,50% 100%,0% 68%,0% 20%);
}
.crest-shield-inner{
  position:absolute;inset:3px;
  background:linear-gradient(160deg,var(--primary-dark),var(--primary));
  clip-path:polygon(50% 0%,100% 20%,100% 68%,50% 100%,0% 68%,0% 20%);
  display:flex;align-items:center;justify-content:center;
}
.crest-shield-text{
  font-family:'Cinzel',serif;font-size:.72rem;font-weight:900;
  color:var(--accent);letter-spacing:1px;line-height:1;
  position:relative;z-index:2
}

/* Text block */
.crest-wordmark{display:flex;flex-direction:column;gap:0}
.crest-name{
  font-family:'Cinzel',serif;font-size:1.05rem;font-weight:700;
  letter-spacing:2px;line-height:1;color:var(--primary)
}
.crest-name span{color:var(--accent)}
.crest-tagline{
  font-size:.52rem;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--muted);margin-top:3px;font-family:'DM Sans',sans-serif;font-weight:500
}

/* Dark variant (portal header, footer) */
.crest-logo.dark .crest-name{color:var(--white)}
.crest-logo.dark .crest-tagline{color:rgba(255,255,255,.45)}
.crest-logo.dark .crest-shield-inner{background:linear-gradient(160deg,#0d1f3c,#1a3c6e)}

/* Login modal centered variant */
.crest-logo.centered{flex-direction:column;align-items:center;gap:8px}
.crest-logo.centered .crest-shield{width:52px;height:58px}
.crest-logo.centered .crest-shield-outer{clip-path:polygon(50% 0%,100% 20%,100% 68%,50% 100%,0% 68%,0% 20%)}
.crest-logo.centered .crest-shield-inner{clip-path:polygon(50% 0%,100% 20%,100% 68%,50% 100%,0% 68%,0% 20%)}
.crest-logo.centered .crest-shield-text{font-size:1rem}
.crest-logo.centered .crest-name{font-size:1.35rem;letter-spacing:3px;text-align:center}
.crest-logo.centered .crest-tagline{text-align:center;font-size:.56rem;letter-spacing:2.5px}

/* Footer large variant */
.crest-logo.footer-lg .crest-shield{width:46px;height:52px}
.crest-logo.footer-lg .crest-shield-text{font-size:.88rem}
.crest-logo.footer-lg .crest-name{font-size:1.25rem;letter-spacing:2.5px}
.crest-logo.footer-lg .crest-tagline{font-size:.54rem;letter-spacing:2.5px;color:rgba(255,255,255,.4)}

/* Portal small variant */
.crest-logo.portal-sm .crest-shield{width:32px;height:36px}
.crest-logo.portal-sm .crest-shield-text{font-size:.6rem}
.crest-logo.portal-sm .crest-name{font-size:.92rem;letter-spacing:2px}
.crest-logo.portal-sm .crest-tagline{display:none}
.portal-badge-tag{font-size:.65rem;font-weight:500;color:rgba(255,255,255,.6);margin-left:6px;background:rgba(255,255,255,.1);padding:3px 9px;border-radius:100px;font-family:'DM Sans',sans-serif;white-space:nowrap}
.nav-links{display:flex;align-items:center;gap:2rem}
.nav-links a{color:var(--text);font-size:.9rem;font-weight:500;transition:color .2s;position:relative;padding-bottom:2px}
.nav-links a::after{content:'';position:absolute;bottom:-2px;left:0;width:0;height:2px;background:var(--accent);border-radius:2px;transition:width .25s}
.nav-links a:hover{color:var(--primary)}
.nav-links a:hover::after{width:100%}
.nav-right{display:flex;align-items:center;gap:10px}
.btn-wa{display:flex;align-items:center;gap:7px;background:#25d366;color:var(--white);padding:9px 16px;border-radius:8px;font-size:.84rem;font-weight:600;font-family:'Sora',sans-serif;transition:var(--tr)}
.btn-wa:hover{background:#1eb858;transform:translateY(-1px);box-shadow:0 4px 16px rgba(37,211,102,.35)}
.btn-nav-cta{background:var(--primary);color:var(--white);padding:9px 18px;border-radius:8px;font-size:.87rem;font-weight:600;font-family:'Sora',sans-serif;transition:var(--tr);border:none;cursor:pointer}
.btn-nav-cta:hover{background:var(--primary-dark);transform:translateY(-1px)}
.btn-officer-login{background:transparent;color:var(--muted);padding:9px 14px;border-radius:8px;font-size:.82rem;font-weight:600;font-family:'Sora',sans-serif;transition:var(--tr);border:1.5px solid var(--border);cursor:pointer;display:flex;align-items:center;gap:6px}
.btn-officer-login:hover{border-color:var(--primary);color:var(--primary);background:rgba(26,60,110,.04)}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px}
.hamburger span{display:block;width:24px;height:2px;background:var(--text);border-radius:2px;transition:var(--tr)}
.hamburger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mobile-nav{position:fixed;top:70px;left:0;right:0;bottom:0;z-index:199;background:var(--white);padding:28px 5%;display:flex;flex-direction:column;gap:6px;transform:translateX(100%);transition:transform .3s cubic-bezier(.4,0,.2,1);overflow-y:auto}
.mobile-nav.open{transform:translateX(0)}
.mobile-nav a{color:var(--text);font-size:1.1rem;font-weight:600;padding:14px 0;border-bottom:1px solid var(--border);display:block;transition:color .2s}
.mobile-nav a:hover{color:var(--primary)}
.mobile-nav .mobile-btns{display:flex;flex-direction:column;gap:12px;margin-top:20px}

/* BUTTONS */
.btn-primary{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:var(--white);padding:14px 32px;border-radius:var(--radius);font-size:1rem;font-weight:700;font-family:'Sora',sans-serif;cursor:pointer;transition:var(--tr);border:none}
.btn-primary:hover{background:var(--accent-dark);transform:translateY(-2px);box-shadow:0 8px 24px rgba(232,160,32,.38)}
.btn-outline-dark{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:transparent;color:var(--primary);border:2px solid var(--primary);padding:13px 28px;border-radius:var(--radius);font-size:1rem;font-weight:600;font-family:'Sora',sans-serif;cursor:pointer;transition:var(--tr)}
.btn-outline-dark:hover{background:var(--primary);color:var(--white);transform:translateY(-2px)}
.btn-outline-light{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.45);padding:13px 28px;border-radius:var(--radius);font-size:1rem;font-weight:600;font-family:'Sora',sans-serif;cursor:pointer;transition:var(--tr)}
.btn-outline-light:hover{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.8);transform:translateY(-2px)}

/* HERO */
.hero{background:linear-gradient(135deg,#0a1929 0%,#1a3c6e 55%,#1b5090 100%);padding:90px 5% 80px;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;overflow:hidden}
.hero-blob-1{position:absolute;top:-80px;right:-80px;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(232,160,32,.1),transparent 65%);pointer-events:none}
.hero-blob-2{position:absolute;bottom:-100px;left:25%;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(46,125,94,.1),transparent 65%);pointer-events:none}
.hero-content{position:relative;z-index:2}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(232,160,32,.15);border:1px solid rgba(232,160,32,.35);color:var(--accent);padding:7px 16px;border-radius:100px;font-size:.78rem;font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:24px;animation:fadeSlideUp .6s ease both}
.hero h1{font-family:'Sora',sans-serif;font-size:clamp(2rem,4vw,3.1rem);font-weight:800;color:var(--white);line-height:1.12;letter-spacing:-1px;margin-bottom:20px;animation:fadeSlideUp .6s .1s ease both}
.hero h1 em{color:var(--accent);font-style:normal}
.hero-desc{color:rgba(255,255,255,.72);font-size:1.05rem;margin-bottom:30px;max-width:480px;animation:fadeSlideUp .6s .2s ease both}
.hero-checks{list-style:none;margin-bottom:38px;display:flex;flex-direction:column;gap:11px;animation:fadeSlideUp .6s .3s ease both}
.hero-checks li{display:flex;align-items:center;gap:11px;color:rgba(255,255,255,.87);font-size:.96rem}
.hero-checks li::before{content:'✓';flex-shrink:0;background:var(--accent);color:var(--white);width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.68rem;font-weight:800}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;animation:fadeSlideUp .6s .4s ease both}
.hero-compliance{margin-top:20px;animation:fadeSlideUp .6s .5s ease both}
.hero-compliance p{color:rgba(255,255,255,.5);font-size:.74rem;line-height:1.6;max-width:500px}
.hero-compliance strong{color:rgba(232,160,32,.7)}
.hero-card{position:relative;z-index:2;background:rgba(255,255,255,.06);backdrop-filter:blur(24px);border:1px solid rgba(255,255,255,.13);border-radius:var(--radius-lg);padding:36px;display:flex;flex-direction:column;gap:22px;animation:fadeSlideUp .7s .2s ease both}
.hero-card-title{font-family:'Sora',sans-serif;color:var(--white);font-size:1.15rem;font-weight:700}
.stat-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.stat-box{background:rgba(255,255,255,.09);border-radius:14px;padding:22px;text-align:center;transition:var(--tr)}
.stat-box:hover{background:rgba(255,255,255,.14)}
.stat-box .num{font-family:'Sora',sans-serif;font-size:2.2rem;font-weight:800;color:var(--accent);display:block;line-height:1}
.stat-box .lbl{color:rgba(255,255,255,.65);font-size:.8rem;margin-top:6px}
.trust-badges{display:flex;flex-direction:column;gap:10px}
.trust-badge{display:flex;align-items:center;gap:13px;background:rgba(255,255,255,.07);border-radius:var(--radius);padding:13px 16px;transition:var(--tr)}
.trust-badge:hover{background:rgba(255,255,255,.12)}
.trust-badge .icon{width:38px;height:38px;border-radius:9px;background:var(--green);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.trust-badge .tb-text p{color:rgba(255,255,255,.9);font-size:.88rem;font-weight:600;margin:0;line-height:1.3}
.trust-badge .tb-text small{color:rgba(255,255,255,.5);font-size:.75rem}

/* SECTIONS */
section{padding:88px 5%}

/* TRUST STRIP */
.trust-strip{background:linear-gradient(135deg,#eaf5f0 0%,#f0faf5 100%);padding:40px 5%;border-top:3px solid var(--green);border-bottom:1px solid #d0e8db}
.trust-strip-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:1200px;margin:0 auto}
.ts-card{background:var(--white);border-radius:var(--radius);padding:22px 20px;display:flex;align-items:flex-start;gap:14px;border:1px solid #d0e8db;transition:var(--tr);box-shadow:0 2px 8px rgba(46,125,94,.06)}
.ts-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(46,125,94,.12)}
.ts-icon{font-size:1.8rem;flex-shrink:0;width:48px;height:48px;background:var(--green-light);border-radius:12px;display:flex;align-items:center;justify-content:center}
.ts-content h3{font-family:'Sora',sans-serif;font-size:.92rem;font-weight:800;color:var(--green);margin-bottom:4px}
.ts-content p{color:var(--muted);font-size:.82rem;line-height:1.55;margin:0}

/* 3 STEPS */
.steps-section{background:var(--white);text-align:center}
.steps-grid{display:flex;align-items:center;justify-content:center;gap:16px;max-width:960px;margin:0 auto;flex-wrap:wrap}
.step-card{background:var(--light-bg);border:2px solid var(--border);border-radius:var(--radius-lg);padding:36px 28px;flex:1;min-width:220px;max-width:280px;text-align:center;transition:var(--tr)}
.step-card:hover{border-color:var(--green);transform:translateY(-4px);box-shadow:0 12px 32px rgba(46,125,94,.1)}
.step-number{font-family:'Sora',sans-serif;font-size:2rem;font-weight:900;color:var(--green);line-height:1;margin-bottom:8px}
.step-icon-big{font-size:2.6rem;margin-bottom:12px;display:block}
.step-card h3{font-family:'Sora',sans-serif;font-size:1.05rem;font-weight:800;color:var(--primary);margin-bottom:8px}
.step-card p{color:var(--muted);font-size:.88rem;line-height:1.6;margin:0}
.step-arrow{font-family:'Sora',sans-serif;font-size:2rem;font-weight:800;color:var(--accent);flex-shrink:0}

/* Float WA tooltip label */
.float-wa{position:fixed;bottom:28px;right:28px;z-index:300;background:#25d366;color:var(--white);width:60px;height:60px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 24px rgba(37,211,102,.45);font-size:1.6rem;transition:var(--tr);cursor:pointer;border:none}
.float-wa::after{content:'Tanya Free 💬';position:absolute;right:72px;top:50%;transform:translateY(-50%);background:#25d366;color:white;padding:8px 16px;border-radius:8px;font-size:.82rem;font-weight:700;font-family:'Sora',sans-serif;white-space:nowrap;box-shadow:0 4px 16px rgba(37,211,102,.3);opacity:1;pointer-events:none;animation:floatLabelPulse 3s ease-in-out infinite}
@keyframes floatLabelPulse{0%,100%{opacity:1;transform:translateY(-50%)}50%{opacity:.7;transform:translateY(-50%) translateX(-4px)}}

.float-wa:hover{transform:scale(1.12) translateY(-2px)}
.float-wa:hover::after{opacity:0}
.float-wa-pulse{position:absolute;width:100%;height:100%;border-radius:50%;background:#25d366;opacity:.5;animation:pulse 2.2s ease-out infinite}

@media(max-width:1100px){.trust-strip-inner{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.trust-strip-inner{grid-template-columns:1fr}.steps-grid{flex-direction:column}.step-arrow{transform:rotate(90deg);font-size:1.5rem}.step-card{max-width:100%}.float-wa::after{display:none}}
.section-label{display:inline-block;color:var(--primary);font-size:.75rem;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;margin-bottom:12px;border-left:3px solid var(--accent);padding-left:10px}
h2.section-title{font-family:'Sora',sans-serif;font-size:clamp(1.7rem,3vw,2.3rem);font-weight:800;color:var(--primary);letter-spacing:-.5px;margin-bottom:14px;line-height:1.2}
h2.section-title em{color:var(--accent);font-style:normal}
.section-intro{color:var(--muted);font-size:1.03rem;max-width:620px;margin-bottom:50px;line-height:1.75}
.reveal{opacity:0;transform:translateY(28px);transition:opacity .55s ease,transform .55s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:.1s}
.reveal-delay-2{transition-delay:.2s}
.reveal-delay-3{transition-delay:.3s}

/* ABOUT */
.about-section{background:var(--white)}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.about-visual{border-radius:var(--radius-lg);overflow:hidden;background:linear-gradient(145deg,#d6e4f7,#eaf0fb,#c8daf5);aspect-ratio:4/3;position:relative;box-shadow:var(--shadow-lg);display:flex;align-items:center;justify-content:center}
.about-text p{color:var(--muted);margin-bottom:16px;font-size:.97rem}
.highlight-box{background:var(--light-bg);border-left:4px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;margin:22px 0}
.highlight-box p{color:var(--text);font-style:italic;font-weight:500;margin:0;font-size:.96rem;line-height:1.65}
.about-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}

/* FEATURES */
.why-section{background:var(--light-bg)}
.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.feature-card{background:var(--white);border-radius:var(--radius-lg);padding:30px;border:1px solid var(--border);transition:var(--tr);position:relative;overflow:hidden}
.feature-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.feature-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.feature-card:hover::before{transform:scaleX(1)}
.feature-icon{width:54px;height:54px;border-radius:14px;background:var(--green-light);display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:18px}
.feature-card h3{font-family:'Sora',sans-serif;font-size:1.03rem;font-weight:700;color:var(--primary);margin-bottom:8px}
.feature-card p{color:var(--muted);font-size:.89rem;line-height:1.65}
.feature-tag{display:inline-block;background:var(--green-light);color:var(--green);font-size:.73rem;font-weight:800;padding:4px 12px;border-radius:100px;margin-top:14px}

/* LICENSE */
.license-section{background:var(--white)}
.license-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.license-card{background:linear-gradient(145deg,#0f2347,#1a3c6e);border-radius:var(--radius-lg);padding:40px;color:var(--white);box-shadow:var(--shadow-lg)}
.license-card h3{font-family:'Sora',sans-serif;font-size:1.35rem;font-weight:800;margin-bottom:14px}
.license-card>p{color:rgba(255,255,255,.72);font-size:.93rem;margin-bottom:26px;line-height:1.7}
.license-detail{background:rgba(255,255,255,.08);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px;transition:var(--tr)}
.license-detail:hover{background:rgba(255,255,255,.13)}
.license-detail .lbl{color:rgba(255,255,255,.5);font-size:.75rem;text-transform:uppercase;letter-spacing:1.2px}
.license-detail .val{color:var(--white);font-weight:700;font-size:.94rem;margin-top:3px;font-family:'Sora',sans-serif}
.license-badge{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:var(--white);padding:10px 22px;border-radius:9px;font-weight:800;font-size:.87rem;font-family:'Sora',sans-serif;margin-top:10px}
.mission-vision{display:flex;flex-direction:column;gap:22px}
.mv-card{border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:var(--tr)}
.mv-card:hover{box-shadow:var(--shadow-md);border-color:rgba(26,60,110,.2);transform:translateY(-2px)}
.mv-icon{font-size:2.2rem;margin-bottom:12px}
.mv-card h3{font-family:'Sora',sans-serif;font-size:1.07rem;font-weight:800;color:var(--primary);margin-bottom:8px}
.mv-card p{color:var(--muted);font-size:.9rem;line-height:1.7}

/* CTA STRIP */
.cta-strip{background:linear-gradient(135deg,var(--primary-dark),var(--primary));padding:56px 5%;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;position:relative;overflow:hidden}
.cta-strip::after{content:'';position:absolute;right:-80px;top:-80px;width:350px;height:350px;border-radius:50%;background:radial-gradient(circle,rgba(232,160,32,.12),transparent 65%)}
.cta-strip h2{color:var(--white);margin-bottom:6px;font-family:'Sora',sans-serif;font-size:clamp(1.4rem,2.5vw,1.9rem);font-weight:800}
.cta-strip p{color:rgba(255,255,255,.7);margin:0;font-size:1rem}
.cta-strip-btns{display:flex;gap:14px;flex-shrink:0;flex-wrap:wrap;position:relative;z-index:2}

/* FAQ */
.faq-section{background:var(--light-bg)}

/* LOAN CALCULATOR */
.calc-section{background:var(--light-bg)}
.calc-card{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);overflow:hidden;box-shadow:var(--shadow-md);max-width:960px;margin:0 auto}
.calc-rate-box{background:linear-gradient(135deg,var(--primary-dark),var(--primary));padding:36px 32px;text-align:center}
.calc-rate-big{font-family:'Sora',sans-serif;font-size:clamp(2.4rem,5vw,3.2rem);font-weight:900;color:var(--white);line-height:1}
.calc-rate-big span{font-size:.9rem;font-weight:500;color:rgba(255,255,255,.6);margin-left:2px}
.calc-rate-sub{color:rgba(255,255,255,.65);font-size:.9rem;margin-top:8px;margin-bottom:20px}
.calc-rate-pills{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.calc-pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.85);padding:9px 18px;border-radius:100px;font-size:.84rem;font-weight:600}
.calc-pill span{font-size:1rem}
.calc-table-wrap{overflow-x:auto;padding:0}
.calc-table{width:100%;border-collapse:collapse;font-size:.9rem}
.calc-table thead{background:var(--accent)}
.calc-table th{padding:14px 16px;text-align:center;font-family:'Sora',sans-serif;font-size:.8rem;font-weight:800;color:var(--white);text-transform:uppercase;letter-spacing:.5px;white-space:nowrap}
.calc-table th:first-child{text-align:left;padding-left:24px}
.calc-table td{padding:14px 16px;text-align:center;border-bottom:1px solid var(--border);color:var(--text);font-weight:500}
.calc-table tbody tr:hover{background:rgba(232,160,32,.05)}
.calc-table tbody tr:last-child td{border-bottom:none}
.calc-amount{text-align:left!important;padding-left:24px!important;font-family:'Sora',sans-serif;font-weight:800!important;color:var(--primary)!important}
.calc-disclaimer{background:linear-gradient(135deg,#0a1929,#122a4e);padding:24px 28px;border-top:3px solid var(--accent)}
.calc-disclaimer p{color:rgba(255,255,255,.55);font-size:.76rem;line-height:1.7;margin:0}
.calc-disclaimer p:first-child{color:var(--accent);font-size:.8rem;margin-bottom:6px}
.calc-disclaimer strong{color:rgba(255,255,255,.8)}
@media(max-width:640px){.calc-table{font-size:.78rem}.calc-table th,.calc-table td{padding:10px 8px}.calc-amount{padding-left:12px!important}.calc-rate-box{padding:28px 20px}}
.faq-section{background:var(--light-bg)}
.faq-section .section-label,.faq-section .section-title,.faq-section .section-intro{text-align:center}
.faq-section .section-intro{margin-left:auto;margin-right:auto;margin-bottom:36px}
.faq-list{max-width:100%;display:flex;flex-direction:column;gap:8px;margin:0 auto}
.faq-item{background:var(--white);border-radius:var(--radius);border:1px solid var(--border);overflow:hidden;transition:box-shadow .2s}
.faq-item:hover{box-shadow:var(--shadow-sm)}
.faq-trigger{width:100%;padding:20px 24px;background:none;border:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;font-family:'Sora',sans-serif;font-size:.96rem;font-weight:700;color:var(--primary);text-align:left;transition:background .2s}
.faq-trigger:hover{background:rgba(26,60,110,.03)}
.faq-icon{width:28px;height:28px;border-radius:50%;background:var(--light-bg);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:1.1rem;color:var(--accent);font-weight:800;transition:transform .3s,background .2s}
.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--accent);color:var(--white)}
.faq-body{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.4,0,.2,1)}
.faq-body p{padding:0 24px 20px;color:var(--muted);font-size:.92rem;line-height:1.75}

/* CONTACT */
.contact-section{background:var(--white)}
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:52px;align-items:start}
.contact-info p.contact-desc{color:var(--muted);margin-bottom:34px;font-size:.97rem}
.contact-item{display:flex;align-items:flex-start;gap:16px;margin-bottom:22px}
.ci-icon{width:46px;height:46px;border-radius:11px;background:var(--primary);color:var(--white);display:flex;align-items:center;justify-content:center;font-size:1.15rem;flex-shrink:0;box-shadow:0 4px 14px rgba(26,60,110,.2)}
.contact-item h4{color:var(--muted);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-bottom:3px}
.contact-item p{color:var(--text);font-weight:600;margin:0;font-size:.94rem}
.contact-item a{color:var(--primary);font-weight:700;transition:color .2s}
.contact-item a:hover{color:var(--accent)}
.hours-box{background:var(--light-bg);border-radius:var(--radius);padding:22px;border:1px solid var(--border);margin-top:8px}
.hours-box h4{font-family:'Sora',sans-serif;font-size:.9rem;color:var(--primary);font-weight:800;margin-bottom:8px}
.wa-call-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.btn-call{display:inline-flex;align-items:center;gap:8px;background:var(--primary);color:var(--white);padding:12px 22px;border-radius:var(--radius);font-size:.88rem;font-weight:700;font-family:'Sora',sans-serif;transition:var(--tr)}
.btn-call:hover{background:var(--primary-dark);transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,60,110,.28)}
.btn-whatsapp{display:inline-flex;align-items:center;gap:8px;background:#25d366;color:var(--white);padding:12px 22px;border-radius:var(--radius);font-size:.88rem;font-weight:700;font-family:'Sora',sans-serif;transition:var(--tr)}
.btn-whatsapp:hover{background:#1eb858;transform:translateY(-2px)}
.contact-form-wrap{background:var(--white);border-radius:var(--radius-lg);padding:38px;box-shadow:0 10px 50px rgba(26,60,110,.10);border:1px solid var(--border)}
.contact-form-wrap h3{font-family:'Sora',sans-serif;font-size:1.25rem;font-weight:800;color:var(--primary);margin-bottom:26px}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:.83rem;font-weight:700;color:var(--text);margin-bottom:7px;letter-spacing:.3px}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:12px 16px;border:1.5px solid var(--border);border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:.94rem;color:var(--text);background:var(--light-bg);transition:border-color .2s,background .2s;outline:none;resize:vertical;appearance:none}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{border-color:var(--primary);background:var(--white);box-shadow:0 0 0 3px rgba(26,60,110,.07)}
.form-group input.error,.form-group textarea.error,.form-group select.error{border-color:var(--red)}
.form-group .error-msg{color:var(--red);font-size:.78rem;margin-top:5px;display:none}
.form-group .error-msg.show{display:block}
.form-group textarea{min-height:100px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.submit-btn{width:100%;background:var(--primary);color:var(--white);border:none;padding:15px;border-radius:var(--radius);font-size:1rem;font-weight:800;font-family:'Sora',sans-serif;cursor:pointer;transition:var(--tr);display:flex;align-items:center;justify-content:center;gap:9px}
.submit-btn:hover{background:var(--primary-dark);transform:translateY(-2px);box-shadow:var(--shadow-md)}
.submit-btn .spinner{width:18px;height:18px;border:2.5px solid rgba(255,255,255,.4);border-top-color:var(--white);border-radius:50%;animation:spin .7s linear infinite;display:none}
.submit-btn.loading .spinner{display:block}
.submit-btn.loading .btn-text{display:none}
.form-success{display:none;text-align:center;padding:28px;background:var(--green-light);border-radius:var(--radius);border:1px solid rgba(46,125,94,.25)}
.form-success .success-icon{font-size:3rem;margin-bottom:12px;display:block}
.form-success h4{font-family:'Sora',sans-serif;color:var(--green);font-size:1.1rem;font-weight:800;margin-bottom:8px}

/* MAP */
.map-section{background:var(--light-bg);padding:0}
.map-wrapper{position:relative;width:100%;height:360px;overflow:hidden}
.map-wrapper iframe{width:100%;height:100%;border:0;filter:grayscale(20%) contrast(1.05)}
.map-overlay{position:absolute;top:20px;left:5%;z-index:5;background:var(--white);border-radius:var(--radius-lg);padding:20px 24px;box-shadow:var(--shadow-lg);max-width:320px}
.map-overlay h4{font-family:'Sora',sans-serif;color:var(--primary);font-weight:800;font-size:.95rem;margin-bottom:6px}
.map-overlay p{color:var(--muted);font-size:.82rem;line-height:1.6}
.map-overlay a{display:inline-flex;align-items:center;gap:6px;margin-top:12px;background:var(--primary);color:var(--white);padding:8px 16px;border-radius:8px;font-size:.82rem;font-weight:700;font-family:'Sora',sans-serif;transition:var(--tr)}
.map-overlay a:hover{background:var(--accent);transform:translateY(-1px)}

/* FLOATING WA — see enhanced version above */

/* FOOTER */
footer{background:#07162a;color:rgba(255,255,255,.6);padding:56px 5% 32px}
.footer-top{display:grid;grid-template-columns:2.2fr 1fr 1fr;gap:52px;margin-bottom:44px}
.footer-brand .logo{margin-bottom:14px;display:block}
.footer-brand .logo span{color:var(--accent)}
.login-subtitle{text-align:center;color:var(--muted);font-size:.88rem;margin-bottom:32px}
.footer-brand p{font-size:.87rem;line-height:1.75;max-width:290px}
.footer-brand .license-info{margin-top:16px;padding:12px 16px;background:rgba(255,255,255,.06);border-radius:var(--radius);border:1px solid rgba(255,255,255,.1);font-size:.78rem}
.footer-brand .license-info strong{color:var(--accent)}
.footer-col h4{font-family:'Sora',sans-serif;color:var(--white);font-size:.88rem;font-weight:800;margin-bottom:18px;letter-spacing:.5px}
.footer-col a{display:block;color:rgba(255,255,255,.58);font-size:.86rem;margin-bottom:10px;transition:color .2s}
.footer-col a:hover{color:var(--accent)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.09);padding-top:26px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;font-size:.81rem}
.back-to-top{background:rgba(255,255,255,.08);border:none;color:rgba(255,255,255,.7);padding:9px 18px;border-radius:8px;cursor:pointer;font-family:'DM Sans',sans-serif;font-size:.82rem;transition:var(--tr);display:flex;align-items:center;gap:6px}
.back-to-top:hover{background:rgba(255,255,255,.14);color:var(--white)}

/* APPLY MODAL */
.modal-overlay{position:fixed;inset:0;z-index:500;background:rgba(10,25,41,.7);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;padding:20px;opacity:0;pointer-events:none;transition:opacity .3s}
.modal-overlay.open{opacity:1;pointer-events:all}
.modal{background:var(--white);border-radius:var(--radius-lg);padding:40px;max-width:520px;width:100%;max-height:90vh;overflow-y:auto;transform:scale(.94) translateY(20px);transition:transform .3s;box-shadow:0 30px 80px rgba(10,25,41,.3)}
.modal-overlay.open .modal{transform:scale(1) translateY(0)}
.modal-header{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:26px;gap:16px}
.modal-header h2{font-family:'Sora',sans-serif;font-size:1.4rem;font-weight:800;color:var(--primary)}
.modal-close{background:var(--light-bg);border:none;cursor:pointer;width:36px;height:36px;border-radius:50%;font-size:1.1rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--muted);transition:var(--tr)}
.modal-close:hover{background:var(--border);color:var(--text)}
.modal-steps{display:flex;gap:8px;margin-bottom:28px}
.modal-step{flex:1;height:4px;border-radius:2px;background:var(--border);transition:background .4s}
.modal-step.active{background:var(--accent)}
.modal-step.done{background:var(--green)}
.step-panel{display:none}
.step-panel.active{display:block}
.step-title{font-family:'Sora',sans-serif;font-size:1rem;font-weight:700;color:var(--primary);margin-bottom:4px}
.step-sub{color:var(--muted);font-size:.85rem;margin-bottom:20px}
.loan-type-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px}
.loan-type-card{border:2px solid var(--border);border-radius:var(--radius);padding:18px;cursor:pointer;transition:var(--tr);text-align:center}
.loan-type-card:hover{border-color:var(--primary);background:rgba(26,60,110,.03)}
.loan-type-card.selected{border-color:var(--accent);background:rgba(232,160,32,.07)}
.loan-type-card .lt-icon{font-size:1.8rem;margin-bottom:8px}
.loan-type-card h4{font-family:'Sora',sans-serif;font-size:.88rem;font-weight:700;color:var(--primary)}
.loan-type-card p{color:var(--muted);font-size:.76rem;margin-top:3px}
.range-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.range-label span{font-size:.82rem;color:var(--muted)}
.range-label strong{font-family:'Sora',sans-serif;color:var(--primary);font-size:1.05rem}
input[type=range]{width:100%;height:6px;border-radius:3px;background:var(--border);outline:none;cursor:pointer;-webkit-appearance:none;margin-bottom:18px;border:none;padding:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);cursor:pointer;box-shadow:0 2px 8px rgba(26,60,110,.28);transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
.modal-btns{display:flex;gap:12px;margin-top:6px}
.modal-btns .btn-primary,.modal-btns .btn-outline-dark{flex:1;padding:13px;font-size:.94rem}
.step3-summary{background:var(--light-bg);border-radius:var(--radius);padding:20px;margin-bottom:20px}
.step3-summary .sum-row{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid var(--border)}
.step3-summary .sum-row:last-child{border:none;font-weight:700;color:var(--primary)}
.step3-summary .sum-row span{color:var(--muted);font-size:.88rem}
.step3-summary .sum-row strong{font-family:'Sora',sans-serif;color:var(--text);font-size:.92rem}
.modal-success{text-align:center;padding:20px 0}
.modal-success .big-check{font-size:4rem;margin-bottom:16px;display:block}
.modal-success h3{font-family:'Sora',sans-serif;color:var(--green);font-size:1.3rem;font-weight:800;margin-bottom:10px}
.modal-success p{color:var(--muted);font-size:.92rem;line-height:1.7}

/* ============================================================
   OFFICER LOGIN MODAL
   ============================================================ */
.login-modal-overlay{position:fixed;inset:0;z-index:600;background:rgba(7,22,42,.85);backdrop-filter:blur(8px);display:flex;align-items:center;justify-content:center;padding:20px;opacity:0;pointer-events:none;transition:opacity .3s}
.login-modal-overlay.open{opacity:1;pointer-events:all}
.login-box{background:var(--white);border-radius:var(--radius-lg);padding:44px 40px;max-width:420px;width:100%;box-shadow:0 40px 100px rgba(7,22,42,.45);transform:scale(.94) translateY(20px);transition:transform .3s;position:relative}
.login-modal-overlay.open .login-box{transform:scale(1) translateY(0)}
.login-badge{display:flex;align-items:center;justify-content:center;gap:7px;background:var(--light-bg);border-radius:100px;padding:7px 18px;font-size:.78rem;font-weight:700;color:var(--primary);margin:0 auto 28px;width:fit-content}
.login-error-box{background:var(--red-light);border:1px solid rgba(232,64,64,.2);border-radius:var(--radius);padding:12px 16px;color:var(--red);font-size:.86rem;margin-bottom:16px;display:none;align-items:center;gap:8px}
.login-error-box.show{display:flex}
.login-btn{width:100%;background:var(--primary);color:var(--white);border:none;padding:14px;border-radius:var(--radius);font-size:1rem;font-weight:800;font-family:'Sora',sans-serif;cursor:pointer;transition:var(--tr);display:flex;align-items:center;justify-content:center;gap:8px;margin-top:6px}
.login-btn:hover{background:var(--primary-dark);box-shadow:var(--shadow-md)}
.login-close{position:absolute;top:16px;right:16px;background:var(--light-bg);border:none;cursor:pointer;width:34px;height:34px;border-radius:50%;font-size:1rem;display:flex;align-items:center;justify-content:center;color:var(--muted);transition:var(--tr)}
.login-close:hover{background:var(--border);color:var(--text)}
.login-demo{text-align:center;margin-top:20px;padding:14px;background:var(--light-bg);border-radius:var(--radius);font-size:.8rem;color:var(--muted)}
.login-demo strong{color:var(--primary)}

/* ============================================================
   OFFICER DASHBOARD
   ============================================================ */
#officer-portal{display:none;min-height:100vh;background:#f0f4fa}
.portal-header{background:linear-gradient(135deg,var(--primary-dark),var(--primary));color:var(--white);padding:0 32px;height:68px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;box-shadow:0 4px 20px rgba(10,25,41,.3)}
.portal-logo{font-family:'Sora',sans-serif;font-size:1.3rem;font-weight:800;color:var(--white)}
.portal-logo span{color:var(--accent)}
.portal-user{display:flex;align-items:center;gap:12px}
.portal-user-avatar{width:36px;height:36px;border-radius:50%;background:var(--accent);display:flex;align-items:center;justify-content:center;font-weight:800;font-family:'Sora',sans-serif;font-size:.9rem}
.portal-user span{font-size:.88rem;color:rgba(255,255,255,.85)}
.portal-logout{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.85);padding:7px 16px;border-radius:8px;font-size:.82rem;font-weight:600;cursor:pointer;transition:var(--tr);font-family:'DM Sans',sans-serif}
.portal-logout:hover{background:rgba(255,255,255,.18);color:var(--white)}

.portal-body{display:grid;grid-template-columns:240px 1fr;min-height:calc(100vh - 68px)}
.portal-sidebar{background:var(--white);border-right:1px solid var(--border);padding:24px 0}
.sidebar-section-label{font-size:.7rem;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--muted);padding:0 20px;margin-bottom:8px;margin-top:16px}
.sidebar-item{display:flex;align-items:center;gap:11px;padding:11px 20px;color:var(--muted);font-size:.9rem;font-weight:500;cursor:pointer;transition:var(--tr);border-left:3px solid transparent;position:relative}
.sidebar-item:hover{background:var(--light-bg);color:var(--primary)}
.sidebar-item.active{background:rgba(26,60,110,.06);color:var(--primary);font-weight:700;border-left-color:var(--accent)}
.sidebar-item .si-icon{font-size:1.1rem;width:22px;text-align:center;flex-shrink:0}
.sidebar-badge{margin-left:auto;background:var(--accent);color:var(--white);font-size:.68rem;font-weight:800;padding:2px 8px;border-radius:100px;font-family:'Sora',sans-serif}
.sidebar-badge.green{background:var(--green)}
.sidebar-badge.red{background:var(--red)}

.portal-main{padding:28px 32px;overflow-y:auto}
.portal-view{display:none}
.portal-view.active{display:block}

/* Dashboard stats */
.dash-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:28px}
.dash-stat{background:var(--white);border-radius:var(--radius-lg);padding:22px 24px;border:1px solid var(--border);transition:var(--tr)}
.dash-stat:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.dash-stat-icon{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:14px}
.dash-stat-icon.blue{background:rgba(26,60,110,.1)}
.dash-stat-icon.yellow{background:var(--yellow-light)}
.dash-stat-icon.green{background:var(--green-light)}
.dash-stat-icon.red{background:var(--red-light)}
.dash-stat .num{font-family:'Sora',sans-serif;font-size:2rem;font-weight:800;color:var(--primary);line-height:1}
.dash-stat .lbl{color:var(--muted);font-size:.83rem;margin-top:4px}

/* Page headers */
.page-header{margin-bottom:24px;display:flex;align-items:flex-start;justify-content:space-between;flex-wrap:wrap;gap:12px}
.page-header h2{font-family:'Sora',sans-serif;font-size:1.5rem;font-weight:800;color:var(--primary)}
.page-header p{color:var(--muted);font-size:.9rem;margin-top:3px}
.page-header-actions{display:flex;gap:10px;align-items:center;flex-wrap:wrap}

/* Search & filter bar */
.filter-bar{display:flex;gap:12px;margin-bottom:20px;flex-wrap:wrap;align-items:center}
.search-input{flex:1;min-width:200px;padding:10px 16px;border:1.5px solid var(--border);border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:.9rem;color:var(--text);background:var(--white);outline:none;transition:border-color .2s}
.search-input:focus{border-color:var(--primary)}
.filter-select{padding:10px 14px;border:1.5px solid var(--border);border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:.88rem;color:var(--text);background:var(--white);outline:none;cursor:pointer;appearance:none;padding-right:28px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%235a6882' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center}
.filter-select:focus{border-color:var(--primary)}

/* Loan table */
.loan-table-wrap{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);overflow:hidden;box-shadow:var(--shadow-sm)}
.loan-table{width:100%;border-collapse:collapse}
.loan-table th{padding:14px 18px;text-align:left;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:var(--muted);background:#fafbfd;border-bottom:1px solid var(--border)}
.loan-table td{padding:16px 18px;font-size:.88rem;border-bottom:1px solid var(--border);color:var(--text);vertical-align:middle}
.loan-table tr:last-child td{border-bottom:none}
.loan-table tr:hover td{background:#fafbff}
.loan-table .name-cell{font-weight:600;color:var(--primary)}
.loan-table .amount-cell{font-family:'Sora',sans-serif;font-weight:700;color:var(--text)}
.status-badge{display:inline-flex;align-items:center;gap:5px;padding:5px 12px;border-radius:100px;font-size:.74rem;font-weight:800;font-family:'Sora',sans-serif}
.status-badge::before{content:'';width:6px;height:6px;border-radius:50%;flex-shrink:0}
.status-badge.pending{background:var(--yellow-light);color:#92400e}
.status-badge.pending::before{background:var(--yellow)}
.status-badge.approved{background:var(--green-light);color:#065f46}
.status-badge.approved::before{background:var(--green)}
.status-badge.rejected{background:var(--red-light);color:#991b1b}
.status-badge.rejected::before{background:var(--red)}
.action-btns{display:flex;gap:6px;flex-wrap:nowrap}
.act-btn{padding:6px 14px;border-radius:8px;font-size:.78rem;font-weight:700;cursor:pointer;transition:var(--tr);border:none;font-family:'Sora',sans-serif;white-space:nowrap}
.act-btn.approve{background:var(--green-light);color:var(--green)}
.act-btn.approve:hover{background:var(--green);color:var(--white)}
.act-btn.reject{background:var(--red-light);color:var(--red)}
.act-btn.reject:hover{background:var(--red);color:var(--white)}
.act-btn.view{background:var(--light-bg);color:var(--primary)}
.act-btn.view:hover{background:var(--primary);color:var(--white)}
.act-btn.undo{background:var(--yellow-light);color:#92400e}
.act-btn.undo:hover{background:var(--yellow);color:var(--white)}
.act-btn.delete{background:#fff0f0;color:#991b1b}
.act-btn.delete:hover{background:#7f1d1d;color:var(--white)}
.act-btn.reply{background:#ede9fe;color:#5b21b6}
.act-btn.reply:hover{background:#5b21b6;color:var(--white)}
.act-btn.close-inq{background:#f1f5f9;color:#475569}
.act-btn.close-inq:hover{background:#475569;color:var(--white)}
.status-badge.inq-new{background:#ede9fe;color:#5b21b6}
.status-badge.inq-new::before{background:#7c3aed}
.status-badge.inq-read{background:#f0f9ff;color:#0369a1}
.status-badge.inq-read::before{background:#0ea5e9}
.status-badge.inq-replied{background:var(--green-light);color:#065f46}
.status-badge.inq-replied::before{background:var(--green)}
.status-badge.inq-closed{background:#f1f5f9;color:#64748b}
.status-badge.inq-closed::before{background:#94a3b8}
.empty-state{text-align:center;padding:60px 20px}
.empty-state .es-icon{font-size:3rem;display:block;margin-bottom:14px;opacity:.4}
.empty-state p{color:var(--muted);font-size:.92rem}

/* Loan detail panel */
.detail-overlay{position:fixed;inset:0;z-index:700;background:rgba(7,22,42,.6);backdrop-filter:blur(4px);display:flex;justify-content:flex-end;opacity:0;pointer-events:none;transition:opacity .3s}
.detail-overlay.open{opacity:1;pointer-events:all}
.detail-panel{background:var(--white);width:min(500px,100%);height:100%;overflow-y:auto;box-shadow:-12px 0 60px rgba(7,22,42,.25);transform:translateX(100%);transition:transform .35s cubic-bezier(.4,0,.2,1);padding:32px}
.detail-overlay.open .detail-panel{transform:translateX(0)}
.detail-panel-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:28px}
.detail-panel-header h3{font-family:'Sora',sans-serif;font-size:1.25rem;font-weight:800;color:var(--primary)}
.detail-close{background:var(--light-bg);border:none;cursor:pointer;width:36px;height:36px;border-radius:50%;font-size:1.1rem;display:flex;align-items:center;justify-content:center;color:var(--muted);transition:var(--tr)}
.detail-close:hover{background:var(--border)}
.detail-section{margin-bottom:24px}
.detail-section h4{font-family:'Sora',sans-serif;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;color:var(--muted);margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.detail-field{background:var(--light-bg);border-radius:var(--radius);padding:13px 16px}
.detail-field .df-label{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:4px}
.detail-field .df-value{font-size:.93rem;font-weight:600;color:var(--text)}
.detail-field.full{grid-column:1/-1}
.detail-actions{display:flex;gap:12px;margin-top:24px}
.detail-actions .act-btn{flex:1;padding:12px;font-size:.9rem}

/* Toast notification */
.toast{position:fixed;bottom:24px;left:50%;transform:translateX(-50%) translateY(80px);z-index:900;background:var(--text);color:var(--white);padding:13px 24px;border-radius:var(--radius);font-size:.9rem;font-weight:600;display:flex;align-items:center;gap:10px;box-shadow:0 8px 32px rgba(0,0,0,.25);transition:transform .35s cubic-bezier(.4,0,.2,1),opacity .35s;opacity:0;white-space:nowrap}
.toast.show{transform:translateX(-50%) translateY(0);opacity:1}
.toast.success{background:var(--green)}
.toast.error{background:var(--red)}
.toast.info{background:var(--primary)}

/* SQL Console */
.sql-console{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);overflow:hidden;box-shadow:var(--shadow-sm)}
.sql-console-header{background:var(--primary);padding:14px 20px;display:flex;align-items:center;justify-content:space-between}
.sql-console-header span{font-family:'Sora',sans-serif;color:var(--white);font-size:.9rem;font-weight:700}
.sql-run-btn{background:var(--accent);color:var(--white);border:none;padding:7px 18px;border-radius:8px;font-size:.82rem;font-weight:700;cursor:pointer;font-family:'Sora',sans-serif;transition:var(--tr)}
.sql-run-btn:hover{background:var(--accent-dark)}
.sql-textarea{width:100%;min-height:120px;padding:16px;border:none;font-family:'Courier New',monospace;font-size:.88rem;color:var(--text);background:#f8fafc;outline:none;resize:vertical;border-bottom:1px solid var(--border)}
.sql-results{padding:16px;overflow-x:auto}
.sql-results table{width:100%;border-collapse:collapse;font-size:.83rem}
.sql-results th{padding:8px 12px;text-align:left;font-weight:700;background:#f0f4fa;border-bottom:1px solid var(--border);color:var(--primary);font-family:'Sora',sans-serif}
.sql-results td{padding:8px 12px;border-bottom:1px solid var(--border);color:var(--text)}
.sql-results .sql-msg{color:var(--muted);font-size:.85rem;font-style:italic}
.sql-results .sql-err{color:var(--red);font-size:.85rem;font-weight:600}


/* ============================================================
   SERVICES SECTION
   ============================================================ */
.services-section{background:var(--light-bg)}
.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-bottom:52px}
.service-card{background:var(--white);border-radius:var(--radius-lg);padding:30px;border:1px solid var(--border);transition:var(--tr);position:relative;overflow:hidden;display:flex;flex-direction:column;gap:14px}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.service-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--accent),var(--green));transform:scaleX(0);transform-origin:left;transition:transform .35s}
.service-card:hover::after{transform:scaleX(1)}
.service-card-icon{width:60px;height:60px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:1.7rem;background:var(--green-light);flex-shrink:0}
.service-popular-badge{position:absolute;top:18px;right:18px;background:var(--accent);color:var(--white);font-size:.64rem;font-weight:900;padding:3px 10px;border-radius:100px;letter-spacing:.5px;text-transform:uppercase;font-family:'Sora',sans-serif}
.service-card h3{font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:var(--primary);margin:0}
.service-card>p{color:var(--muted);font-size:.89rem;line-height:1.65;margin:0;flex:1}
.service-keywords{list-style:none;display:flex;flex-direction:column;gap:7px;margin:0}
.service-keywords li{display:flex;align-items:center;gap:8px;color:var(--text);font-size:.83rem;font-weight:500}
.service-keywords li::before{content:'✓';color:var(--green);font-weight:900;font-size:.75rem;flex-shrink:0}
.service-card .btn-primary{font-size:.85rem;padding:11px 22px;align-self:flex-start;margin-top:auto}
.eeat-bar{background:linear-gradient(135deg,var(--primary-dark),var(--primary));border-radius:var(--radius-lg);padding:32px;display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap;box-shadow:var(--shadow-lg)}
.eeat-item{text-align:center;flex:1;min-width:120px;padding:12px 16px}
.eeat-num{font-family:'Sora',sans-serif;font-size:1.8rem;font-weight:900;color:var(--accent);line-height:1}
.eeat-lbl{color:rgba(255,255,255,.65);font-size:.73rem;margin-top:5px;line-height:1.4}
.eeat-divider{width:1px;height:48px;background:rgba(255,255,255,.12);flex-shrink:0}
@media(max-width:640px){.eeat-bar{padding:20px}.eeat-divider{display:none}.eeat-item{min-width:90px;padding:8px}}

/* ============================================================
   ARTIKEL / NEWS SECTION
   ============================================================ */
.artikel-section{background:var(--white)}
.artikel-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:24px}
.artikel-card{border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:var(--tr);background:var(--white);cursor:pointer;display:flex;flex-direction:column}
.artikel-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.artikel-card-img{height:180px;background:linear-gradient(135deg,#d6e4f7,#c8daf5);display:flex;align-items:center;justify-content:center;font-size:3rem;overflow:hidden;flex-shrink:0;position:relative}
.artikel-card-img img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.artikel-card-body{padding:22px;flex:1;display:flex;flex-direction:column;gap:10px}
.artikel-card-cat{display:inline-block;background:var(--green-light);color:var(--green);font-size:.68rem;font-weight:800;padding:3px 10px;border-radius:100px;text-transform:uppercase;letter-spacing:.5px}
.artikel-card-body h3{font-family:'Sora',sans-serif;font-size:1rem;font-weight:800;color:var(--primary);line-height:1.4;margin:0}
.artikel-card-body p{color:var(--muted);font-size:.86rem;line-height:1.65;margin:0;flex:1}
.artikel-card-footer{display:flex;align-items:center;justify-content:space-between;margin-top:8px;padding-top:12px;border-top:1px solid var(--border)}
.artikel-card-date{color:var(--muted);font-size:.75rem}
.artikel-read-btn{color:var(--primary);font-size:.8rem;font-weight:700;display:flex;align-items:center;gap:5px;transition:color .2s}
.artikel-card:hover .artikel-read-btn{color:var(--accent)}
.artikel-empty{text-align:center;padding:60px 20px;color:var(--muted);font-size:.93rem}
.artikel-modal-meta{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:20px}
.artikel-modal-body{color:var(--muted);font-size:.95rem;line-height:1.85}
.artikel-modal-body h2,.artikel-modal-body h3{font-family:'Sora',sans-serif;color:var(--primary);margin:20px 0 10px}
.artikel-modal-body p{margin-bottom:14px}

/* ============================================================
   OFFICER PORTAL — ARTICLE + PHOTO VIEWS
   ============================================================ */
.lang-tabs{display:flex;gap:0;margin-bottom:20px;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
.lang-tab-btn{flex:1;padding:10px;background:var(--white);border:none;cursor:pointer;font-size:.85rem;font-weight:600;color:var(--muted);font-family:'DM Sans',sans-serif;transition:var(--tr)}
.lang-tab-btn.active{background:var(--primary);color:var(--white)}
.lang-tab-panel{display:none}.lang-tab-panel.active{display:block}
.photo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:16px}
.photo-item{border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;position:relative;background:var(--light-bg)}
.photo-item img,.photo-item .photo-placeholder{width:100%;height:130px;object-fit:cover;display:flex;align-items:center;justify-content:center;font-size:2rem;background:var(--light-bg)}
.photo-item-body{padding:10px}
.photo-item-caption{font-size:.78rem;color:var(--muted);margin-bottom:6px;line-height:1.4}
.photo-item-pos{font-size:.68rem;background:var(--green-light);color:var(--green);padding:2px 8px;border-radius:100px;font-weight:700;display:inline-block}
.post-status-draft{background:var(--yellow-light);color:#92400e;padding:4px 12px;border-radius:100px;font-size:.72rem;font-weight:800;font-family:'Sora',sans-serif}
.post-status-published{background:var(--green-light);color:#065f46;padding:4px 12px;border-radius:100px;font-size:.72rem;font-weight:800;font-family:'Sora',sans-serif}
.article-editor-wrap{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);padding:28px;box-shadow:var(--shadow-sm)}

/* ANIMATIONS */
@keyframes fadeSlideUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes pulse{0%{transform:scale(1);opacity:.5}100%{transform:scale(1.7);opacity:0}}

/* RESPONSIVE */
@media(max-width:1100px){.dash-stats{grid-template-columns:1fr 1fr}.portal-body{grid-template-columns:200px 1fr}}
@media(max-width:900px){.hero{grid-template-columns:1fr}.hero-card{display:none}.about-grid,.license-grid,.contact-grid{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.portal-body{grid-template-columns:1fr}.portal-sidebar{display:none}}
@media(max-width:640px){section{padding:60px 4%}.hero{padding:60px 4% 56px}.nav-links{display:none}.nav-right{display:none}.hamburger{display:flex}.footer-top{grid-template-columns:1fr}.cta-strip{flex-direction:column;text-align:center}.loan-type-grid{grid-template-columns:1fr}.modal{padding:24px}.float-wa{bottom:20px;right:20px;width:52px;height:52px;font-size:1.4rem}.dash-stats{grid-template-columns:1fr 1fr}.portal-main{padding:20px}}
/* ── MULTIPAGE EXTRAS ────────────────────────────── */
/* Dropdown nav */
.nav-dropdown{position:relative}
.nav-dropdown-menu{position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:8px;min-width:210px;box-shadow:var(--shadow-md);opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;transform:translateX(-50%) translateY(-6px);z-index:300}
.nav-dropdown:hover .nav-dropdown-menu{opacity:1;pointer-events:all;transform:translateX(-50%) translateY(0)}
.nav-dropdown-menu a{display:flex;align-items:center;gap:10px;padding:10px 14px;color:var(--text);font-size:.87rem;font-weight:500;border-radius:8px;transition:background .15s}
.nav-dropdown-menu a:hover{background:var(--light-bg);color:var(--primary)}
.nav-dropdown-menu a .dd-icon{font-size:1.1rem;flex-shrink:0;width:28px;text-align:center}
.nav-dropdown-menu a .dd-lbl small{display:block;color:var(--muted);font-size:.73rem;margin-top:1px}
.nav-dropdown>a::after{content:'▾';margin-left:4px;font-size:.7rem;opacity:.6}
/* Page banner (interior pages) */
.page-banner{background:linear-gradient(135deg,#0a1929 0%,#1a3c6e 60%,#1b5090 100%);padding:64px 5% 56px;position:relative;overflow:hidden}
.page-banner::before{content:'';position:absolute;top:-100px;right:-80px;width:450px;height:450px;border-radius:50%;background:radial-gradient(circle,rgba(232,160,32,.1),transparent 65%);pointer-events:none}
.page-banner-inner{position:relative;z-index:2;max-width:760px}
.page-banner-crumb{display:flex;align-items:center;gap:8px;margin-bottom:16px;font-size:.8rem;color:rgba(255,255,255,.45)}
.page-banner-crumb a{color:rgba(255,255,255,.45);transition:color .2s}.page-banner-crumb a:hover{color:var(--accent)}
.page-banner-crumb span{opacity:.4}
.page-banner h1{font-family:'Sora',sans-serif;font-size:clamp(1.8rem,3.5vw,2.7rem);font-weight:800;color:var(--white);line-height:1.15;letter-spacing:-1px;margin-bottom:14px}
.page-banner h1 em{color:var(--accent);font-style:normal}
.page-banner p{color:rgba(255,255,255,.7);font-size:1.05rem;max-width:560px;line-height:1.7}
.page-banner-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(232,160,32,.15);border:1px solid rgba(232,160,32,.3);color:var(--accent);padding:6px 14px;border-radius:100px;font-size:.76rem;font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:18px}
/* Keyword landing pages */
.keyword-section{background:var(--white);padding:80px 5%}
.keyword-grid{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.keyword-eligibility{list-style:none;display:flex;flex-direction:column;gap:10px;margin:20px 0}
.keyword-eligibility li{display:flex;align-items:flex-start;gap:12px;font-size:.93rem;color:var(--text)}
.keyword-eligibility li::before{content:'✓';color:var(--green);font-weight:900;font-size:.8rem;margin-top:3px;flex-shrink:0;background:var(--green-light);width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.keyword-card{background:linear-gradient(145deg,var(--primary-dark),var(--primary));border-radius:var(--radius-lg);padding:36px;color:var(--white);box-shadow:var(--shadow-lg)}
.keyword-card h3{font-family:'Sora',sans-serif;font-size:1.2rem;font-weight:800;margin-bottom:18px;color:var(--white)}
.keyword-stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.kw-stat{background:rgba(255,255,255,.09);border-radius:var(--radius);padding:18px;text-align:center}
.kw-stat .kw-num{font-family:'Sora',sans-serif;font-size:1.8rem;font-weight:900;color:var(--accent);display:block;line-height:1}
.kw-stat .kw-lbl{color:rgba(255,255,255,.6);font-size:.75rem;margin-top:5px}
/* Article listing */
.artikel-filter-bar{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}
.cat-pill{padding:8px 18px;border-radius:100px;border:1.5px solid var(--border);background:var(--white);cursor:pointer;font-size:.82rem;font-weight:600;color:var(--muted);font-family:'DM Sans',sans-serif;transition:var(--tr)}
.cat-pill:hover,.cat-pill.active{background:var(--primary);border-color:var(--primary);color:var(--white)}
/* Timeline for about page */
.timeline{display:flex;flex-direction:column;gap:0;position:relative;padding-left:40px}
.timeline::before{content:'';position:absolute;left:14px;top:8px;bottom:8px;width:2px;background:linear-gradient(to bottom,var(--accent),var(--green))}
.timeline-item{position:relative;padding:0 0 32px 28px}
.timeline-dot{position:absolute;left:-40px;top:5px;width:28px;height:28px;border-radius:50%;background:var(--accent);border:3px solid var(--white);box-shadow:0 0 0 3px var(--accent);display:flex;align-items:center;justify-content:center;font-size:.75rem;color:var(--white);font-weight:900;font-family:'Sora',sans-serif}
.timeline-year{font-size:.73rem;color:var(--accent);font-weight:800;text-transform:uppercase;letter-spacing:1px;margin-bottom:4px}
.timeline-item h4{font-family:'Sora',sans-serif;color:var(--primary);font-size:.97rem;font-weight:800;margin-bottom:6px}
.timeline-item p{color:var(--muted);font-size:.87rem;line-height:1.65}
/* Portal standalone page */
body.portal-page{background:#f0f4fa}
@media(max-width:900px){.keyword-grid{grid-template-columns:1fr}}

/* ── RINGGITPLUS-STYLE PRODUCT / CATEGORY COMPONENTS ── */

/* Loan product card (category listing) */
.product-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:0;overflow:hidden;transition:var(--tr);display:flex;flex-direction:column}
.product-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px);border-color:rgba(26,60,110,.2)}
.product-card-header{background:linear-gradient(135deg,var(--primary-dark),var(--primary));padding:20px 24px;display:flex;align-items:center;gap:14px}
.product-card-icon{width:48px;height:48px;border-radius:12px;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.product-card-hname{font-family:'Sora',sans-serif;color:var(--white);font-size:1rem;font-weight:800;line-height:1.3}
.product-card-htag{color:rgba(255,255,255,.55);font-size:.75rem;margin-top:2px}
.product-card-body{padding:20px 24px;flex:1;display:flex;flex-direction:column;gap:14px}
.product-spec-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.product-spec{background:var(--light-bg);border-radius:10px;padding:12px 14px;text-align:center}
.product-spec .ps-val{font-family:'Sora',sans-serif;font-size:1.15rem;font-weight:800;color:var(--primary);display:block;line-height:1}
.product-spec .ps-lbl{color:var(--muted);font-size:.7rem;margin-top:4px;text-transform:uppercase;letter-spacing:.5px}
.product-pill-row{display:flex;gap:6px;flex-wrap:wrap}
.product-pill{display:inline-flex;align-items:center;gap:5px;background:var(--green-light);color:var(--green);font-size:.73rem;font-weight:700;padding:4px 10px;border-radius:100px}
.product-card-footer{padding:16px 24px;border-top:1px solid var(--border);display:flex;gap:10px}
.product-card-footer .btn-primary{flex:1;font-size:.85rem;padding:11px 16px}
.product-card-footer .btn-outline-dark{font-size:.85rem;padding:11px 16px}

/* Spec table (product detail page) */
.spec-table{width:100%;border-collapse:collapse}
.spec-table tr{border-bottom:1px solid var(--border)}
.spec-table tr:last-child{border:none}
.spec-table td{padding:14px 16px;font-size:.9rem}
.spec-table td:first-child{color:var(--muted);font-size:.83rem;font-weight:600;text-transform:uppercase;letter-spacing:.5px;width:42%;background:#fafbfd}
.spec-table td:last-child{color:var(--text);font-weight:600}
.spec-table td .spec-highlight{color:var(--primary);font-family:'Sora',sans-serif;font-weight:800;font-size:1rem}

/* Sticky sidebar CTA */
.product-detail-layout{display:grid;grid-template-columns:1fr 320px;gap:40px;align-items:start}
.product-sidebar{position:sticky;top:88px}
.sidebar-cta-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-md)}
.sidebar-cta-card h3{font-family:'Sora',sans-serif;color:var(--primary);font-size:1.05rem;font-weight:800;margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--border)}
.sidebar-cta-card .cta-spec{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--border);font-size:.87rem}
.sidebar-cta-card .cta-spec:last-of-type{border:none}
.sidebar-cta-card .cta-spec span{color:var(--muted)}
.sidebar-cta-card .cta-spec strong{color:var(--primary);font-family:'Sora',sans-serif;font-weight:700}
.sidebar-btns{display:flex;flex-direction:column;gap:10px;margin-top:18px}
.sidebar-btns .btn-primary,.sidebar-btns .btn-wa{width:100%;justify-content:center;font-size:.92rem;padding:13px}

/* Tab sections */
.product-tabs{display:flex;gap:0;border-bottom:2px solid var(--border);margin-bottom:32px;overflow-x:auto}
.product-tab{padding:12px 20px;border:none;background:none;cursor:pointer;font-family:'DM Sans',sans-serif;font-size:.9rem;font-weight:600;color:var(--muted);white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px;transition:var(--tr)}
.product-tab.active{color:var(--primary);border-bottom-color:var(--accent)}
.product-tab:hover{color:var(--primary)}
.product-tab-panel{display:none}.product-tab-panel.active{display:block}

/* Compare bar at top of category pages */
.compare-bar{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:28px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;box-shadow:var(--shadow-sm)}
.compare-bar-filters{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.compare-badge{display:inline-flex;align-items:center;gap:6px;background:var(--green-light);color:var(--green);font-size:.8rem;font-weight:700;padding:6px 14px;border-radius:100px}

/* Related products section */
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px}

/* Eligibility checklist */
.elig-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.elig-item{display:flex;align-items:flex-start;gap:12px;padding:14px;background:var(--light-bg);border-radius:var(--radius);border:1px solid var(--border)}
.elig-icon{width:32px;height:32px;border-radius:8px;background:var(--green-light);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.elig-item h4{font-size:.85rem;font-weight:700;color:var(--primary);margin-bottom:2px}
.elig-item p{font-size:.8rem;color:var(--muted);margin:0;line-height:1.5}

/* Hero loan stat row */
.hero-loan-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.1);border-radius:var(--radius);overflow:hidden;margin-top:32px}
.hero-loan-stat{background:rgba(255,255,255,.07);padding:18px;text-align:center}
.hero-loan-stat .hls-val{font-family:'Sora',sans-serif;font-size:1.35rem;font-weight:900;color:var(--accent);display:block}
.hero-loan-stat .hls-lbl{color:rgba(255,255,255,.55);font-size:.72rem;margin-top:4px;text-transform:uppercase;letter-spacing:.5px}

/* Derivative badge on card */
.derivative-badge{position:absolute;top:12px;right:12px;background:var(--accent);color:var(--white);font-size:.63rem;font-weight:900;padding:3px 10px;border-radius:100px;text-transform:uppercase;letter-spacing:.5px}

/* Breadcrumb */
.breadcrumb{display:flex;align-items:center;gap:6px;font-size:.78rem;color:rgba(255,255,255,.45);margin-bottom:18px}
.breadcrumb a{color:rgba(255,255,255,.45);transition:color .2s}.breadcrumb a:hover{color:var(--accent)}
.breadcrumb span{opacity:.4}

@media(max-width:900px){.product-detail-layout{grid-template-columns:1fr}.product-sidebar{position:static}.hero-loan-stats{grid-template-columns:1fr 1fr}.elig-grid{grid-template-columns:1fr}}
@media(max-width:640px){.product-spec-grid{grid-template-columns:1fr 1fr}.hero-loan-stats{grid-template-columns:1fr 1fr}}