/* =========================================
   ADVANCED DESIGN SYSTEM - UPGRADED CSS
   ========================================= */

/* ================
   CSS Variables
   ================ */
:root {
    --primary-color: #0A192F; /* Deep Premium Navy */
    --secondary-color: #00E5FF; /* Electric Cyan */
    --accent-color: #64FFDA; /* Mint/Tech Green */
    --light-color: #F8FAFC; /* Crisp Off-White */
    --dark-color: #0F172A; /* Slate 900 */
    --button-color: #FF6B6B; /* Vibrant Coral */
    --black-color: #020617; /* Rich Black */
    --glass-bg: rgba(255, 255, 255, 0.03);
    --glass-border: rgba(255, 255, 255, 0.08);
    --card-shadow: 0 10px 40px rgba(2, 6, 23, 0.06);
    --card-shadow-hover: 0 20px 60px rgba(2, 6, 23, 0.12);
    --transition-smooth: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ================
   Base & Typography
   ================ */
html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Jost', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--dark-color);
    font-weight: 400;
    overflow-x: hidden;
    width: 100%;
    max-width: 100%;
    padding: 0;
    margin: 0;
    padding-top: 70px;
    background-color: var(--light-color);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

::selection {
    background: var(--secondary-color);
    color: var(--primary-color);
}

/* ================
   Navbar (Glassmorphism)
   ================ */
.navbar {
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: 0 4px 30px rgba(0, 0, 0, 0.02);
    padding: 12px 0;
    transition: transform 0.4s var(--transition-smooth), background 0.3s;
    z-index: 1030;
}

.navbar.scroll-up { transform: translateY(0); }
.navbar.scroll-down { transform: translateY(-100%); }

.navbar-brand img {
    height: 50px;
    transition: all 0.3s ease;
}

.nav-link {
    color: var(--dark-color);
    font-weight: 500;
    font-size: 0.95rem;
    margin: 0 12px;
    position: relative;
    transition: color 0.3s ease;
    letter-spacing: 0.02em;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 50%;
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--secondary-color), var(--accent-color));
    transition: all 0.3s var(--transition-smooth);
    transform: translateX(-50%);
    border-radius: 2px;
}

.nav-link:hover { color: var(--primary-color); }
.nav-link:hover::after { width: 100%; }

.navbar-nav .nav-item .nav-link.active {
    color: var(--primary-color) !important;
    font-weight: 600;
}

.navbar-nav .nav-item .nav-link.active::after { width: 100%; }

.btn-primary {
    background: linear-gradient(135deg, var(--primary-color) 0%, #172A45 100%);
    border: none;
    padding: 10px 24px;
    font-weight: 600;
    border-radius: 12px;
    transition: all 0.3s var(--transition-smooth);
    box-shadow: 0 4px 15px rgba(10, 25, 47, 0.2);
    letter-spacing: 0.02em;
    color: #fff;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(10, 25, 47, 0.3);
    background: linear-gradient(135deg, #172A45 0%, var(--primary-color) 100%);
    color: #fff;
}

/* Mobile Menu Styles */
@media (max-width: 992px) {
    .navbar-collapse {
        background: rgba(255, 255, 255, 0.95);
        backdrop-filter: blur(20px);
        padding: 1.5rem;
        margin-top: 0.5rem;
        border-radius: 16px;
        border: 1px solid rgba(0,0,0,0.05);
        box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    }
    .navbar-nav { padding-top: 1rem; }
    .nav-item { margin-bottom: 0.5rem; }
    .btn-primary { margin-top: 1rem; margin-left: 0 !important; width: 100%; }
}

/* ================
   Hero Section (Cinematic & Modern)
   ================ */
.hero-section {
    background: linear-gradient(135deg, rgba(10, 25, 47, 0.85) 0%, rgba(2, 6, 23, 0.75) 100%),
                url('/assets/img/hero.png') no-repeat center center;
    background-size: cover;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    color: white;
    padding: 100px 20px;
    overflow: hidden;
    text-align: center;
}

/* Animated Mesh Gradient Orbs */
.hero-section::before,
.hero-section::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    filter: blur(100px);
    z-index: 0;
    opacity: 0.35;
    pointer-events: none;
}

.hero-section::before {
    width: 600px; height: 600px;
    background: var(--secondary-color);
    top: -200px; right: -100px;
    animation: floatOrb 15s ease-in-out infinite alternate;
}

.hero-section::after {
    width: 500px; height: 500px;
    background: var(--button-color);
    bottom: -200px; left: -100px;
    animation: floatOrb 18s ease-in-out infinite alternate-reverse;
}

@keyframes floatOrb {
    0% { transform: translate(0, 0) scale(1); }
    100% { transform: translate(50px, 50px) scale(1.15); }
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at center, transparent 0%, rgba(2, 6, 23, 0.6) 100%);
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 900px;
    margin: 0 auto;
    padding: 20px;
}

.hero-title {
    font-size: clamp(2.5rem, 6vw, 4.5rem) !important;
    font-weight: 700 !important;
    line-height: 1.1;
    font-family: 'Jost', sans-serif !important;
    letter-spacing: -0.03em !important;
    background: linear-gradient(to bottom right, #ffffff 30%, rgba(255,255,255,0.7) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    text-shadow: none;
    margin-bottom: 1.5rem;
}

.hero-subtitle {
    font-size: clamp(1.1rem, 2vw, 1.4rem);
    font-weight: 300;
    opacity: 0;
    margin-top: 10px;
    color: rgba(255, 255, 255, 0.85);
    letter-spacing: 0.1em;
    text-transform: uppercase;
    transition: opacity 0.8s ease 0.3s;
}

[data-aos="smooth-fade-up"].aos-animate .hero-subtitle { opacity: 0.9; }

.btn-apply {
    background: linear-gradient(135deg, var(--button-color) 0%, #FF8E53 100%);
    color: #fff;
    padding: 16px 40px;
    border-radius: 60px;
    font-weight: 600;
    font-size: 1.05rem;
    transition: all 0.4s var(--transition-smooth);
    border: none;
    box-shadow: 0 10px 30px rgba(255, 107, 107, 0.3);
    min-width: 220px;
    text-align: center;
    margin-top: 30px;
    position: relative;
    overflow: hidden;
    z-index: 1;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.btn-apply::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, #FF8E53 0%, var(--button-color) 100%);
    z-index: -1;
    opacity: 0;
    transition: opacity 0.4s ease;
}

.btn-apply:hover {
    transform: translateY(-4px);
    box-shadow: 0 15px 40px rgba(255, 107, 107, 0.4);
    color: #fff;
}

.btn-apply:hover::before { opacity: 1; }

/* ================
   Section Titles & Dividers
   ================ */
.section-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    color: var(--light-color);
    margin-bottom: 30px;
    letter-spacing: -0.02em;
    font-family: 'Jost', sans-serif;
}

.section-title-2 {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    color: var(--primary-color);
    font-family: 'Jost', sans-serif;
    line-height: 1.2;
    text-align: center;
    letter-spacing: -0.02em;
    margin-bottom: 1rem;
}

.title-divider {
    width: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--secondary-color), var(--accent-color));
    margin-top: 20px;
    margin-bottom: 40px;
    animation: expandWidth 1.2s var(--transition-smooth) forwards;
    animation-delay: 0.3s;
    border-radius: 4px;
}

@keyframes expandWidth { from { width: 0; } to { width: 120px; } }
@keyframes expandHeight { from { height: 0; } to { height: 80%; } }
@keyframes expandWidthCustom { from { width: 0; } to { width: 150px; } }
@keyframes expandWidthCustom2 { from { width: 0; } to { width: 350px; } }

/* ================
   About Section
   ================ */
.about-section {
    padding: 120px 0;
    background: linear-gradient(135deg, #0A192F 0%, #112240 100%);
    position: relative;
    overflow: hidden;
}

.about-section::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.03) 1px, transparent 0);
    background-size: 30px 30px;
    pointer-events: none;
}

.about-section .section-title { position: relative; z-index: 2; text-align: center; }

.about-section p {
    color: rgba(248, 250, 252, 0.85);
    line-height: 1.8;
    font-size: 1.1rem;
    position: relative;
    z-index: 2;
    margin-bottom: 1.5rem;
    max-width: 850px;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
}

/* ================
   Why Choose Section (Bento Cards)
   ================ */
.why-choose-section {
    background-color: #F8FAFC;
    padding: 120px 0;
    position: relative;
}

.stat-item {
    background: #ffffff;
    border-radius: 24px;
    padding: 3rem 2rem;
    transition: all 0.4s var(--transition-smooth);
    position: relative;
    border: 1px solid rgba(0,0,0,0.04);
    box-shadow: var(--card-shadow);
    overflow: hidden;
    height: 100%;
}

.stat-item::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 4px;
    background: linear-gradient(90deg, var(--secondary-color), var(--accent-color));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s var(--transition-smooth);
}

.stat-item:hover {
    transform: translateY(-10px);
    box-shadow: var(--card-shadow-hover);
}

.stat-item:hover::before { transform: scaleX(1); }

.stat-number {
    font-size: clamp(4rem, 8vw, 7rem);
    font-weight: 800;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-color) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    line-height: 1;
    font-family: 'Jost', sans-serif;
    margin-bottom: 1rem;
}

.stat-title {
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: 15px;
    letter-spacing: -0.01em;
}

.stat-description {
    font-size: 1rem;
    color: #64748B;
    line-height: 1.6;
}

/* .stat-divider, .stat-divider-2, .mobile-divider {
    background: linear-gradient(90deg, transparent, #CBD5E1, transparent);
    height: 1px;
} */

/* Vertical divider between stat cards (must stay absolute so it doesn't push cards down) */
.stat-divider {
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 2px;
    height: 0;
    background: linear-gradient(180deg, transparent, #CBD5E1, transparent);
    animation: expandHeight 0.8s ease-out forwards;
    animation-delay: 0.4s;
    z-index: 0;
    pointer-events: none;
}

/* Small horizontal divider inside cards */
.stat-divider-2 {
    width: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, #CBD5E1, transparent);
    margin: 0 auto 15px auto;
    animation: expandWidthCustom 0.6s ease-out forwards;
    animation-delay: 0.5s;
}

/* Horizontal divider shown only on mobile */
.mobile-divider {
    width: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, #CBD5E1, transparent);
    animation: expandWidthCustom2 0.7s ease-out forwards;
    animation-delay: 0.6s;
}

/* ================
   Loan Solutions Section (Dark Glass)
   ================ */
.loan-solutions-section {
    padding: 120px 0;
    background: linear-gradient(180deg, #020617 0%, #0A192F 100%);
    color: var(--light-color);
    position: relative;
}

.loan-solutions-section::before {
    content: '';
    position: absolute;
    top: 50%; left: 50%;
    width: 800px; height: 800px;
    background: radial-gradient(circle, rgba(0, 229, 255, 0.08) 0%, transparent 70%);
    transform: translate(-50%, -50%);
    pointer-events: none;
}

.solution-item {
    padding: 50px 40px;
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(10px);
    transition: all 0.4s var(--transition-smooth);
    position: relative;
    z-index: 2;
}

.solution-item:hover {
    background: rgba(255, 255, 255, 0.05);
    border-color: rgba(0, 229, 255, 0.3);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.3), 0 0 30px rgba(0, 229, 255, 0.1);
    transform: translateY(-5px);
}

.solution-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.1), transparent);
    width: 100%;
    margin: 2rem 0;
}

.solution-icon { width: 70px; height: 70px; margin-bottom: 0; }

.blue-icon {
    color: var(--secondary-color);
    fill: currentColor;
    filter: drop-shadow(0 0 15px rgba(0, 229, 255, 0.4));
    transition: transform 0.4s var(--transition-smooth);
}

.solution-item:hover .blue-icon { transform: scale(1.1) rotate(5deg); }

.solution-title {
    font-size: 1.6rem;
    font-weight: 600;
    margin-bottom: 0;
    color: #fff;
    letter-spacing: -0.01em;
}

.solution-description {
    font-size: 1.05rem;
    line-height: 1.7;
    color: rgba(248, 250, 252, 0.75);
    max-width: 800px;
}

/* ================
   Our History Section
   ================ */
.our-history-section {
    background-color: #F1F5F9;
    padding: 120px 0;
    position: relative;
    overflow: hidden;
}

.history-description {
    font-size: 1.15rem;
    line-height: 1.8;
    color: #475569;
    margin-bottom: 2rem;
}

.mission-btn {
    color: #fff;
    background: var(--primary-color);
    padding: 14px 36px;
    border-radius: 60px;
    font-weight: 600;
    border: none;
    transition: all 0.3s var(--transition-smooth);
    box-shadow: 0 8px 20px rgba(10, 25, 47, 0.15);
    letter-spacing: 0.05em;
    text-transform: uppercase;
    font-size: 0.9rem;
}

.mission-btn:hover {
    background: var(--black-color);
    transform: translateY(-3px);
    box-shadow: 0 12px 30px rgba(2, 6, 23, 0.25);
    color: #fff;
}

.main-history-img, .zoom-wrapper {
    border-radius: 30px;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.12);
    transition: transform 0.6s var(--transition-smooth);
}

.main-history-img:hover, .zoom-wrapper:hover { transform: scale(1.02); }

.zoom-wrapper {
    width: 100%;
    height: 500px;
    overflow: hidden;
    position: relative;
}

.zoom-image-content {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.8s var(--transition-smooth);
}

/* ================
   Our Borrowers Section
   ================ */
.our-borrowers-section {
    background-color: #ffffff;
    padding: 120px 0;
}

.borrower-icon-wrapper {
    transition: all 0.4s var(--transition-smooth);
    border-radius: 24px;
    width: 100%;
    height: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 2.5rem 1.5rem;
    background: #fff;
    border: 1px solid #E2E8F0;
    box-shadow: 0 4px 20px rgba(0,0,0,0.02);
}

.borrower-icon-wrapper:hover {
    transform: translateY(-10px);
    border-color: var(--secondary-color);
    box-shadow: 0 20px 40px rgba(0, 229, 255, 0.12);
    background: linear-gradient(135deg, #ffffff 0%, #F0F9FF 100%);
}

.solution-icon-2 {
    width: 100px;
    height: auto;
    transition: all 0.4s var(--transition-smooth);
    fill: var(--primary-color);
}

.borrower-icon-wrapper:hover .solution-icon-2 {
    transform: scale(1.1);
    fill: var(--accent-color);
}

/* ================
   Testimonials Section
   ================ */
.testimonials-section {
    padding: 120px 0;
    background: linear-gradient(180deg, #F8FAFC 0%, #E2E8F0 100%);
    position: relative;
}

.testimonial-author {
    font-size: 1.25rem;
    color: var(--primary-color);
    margin-bottom: 15px;
    padding-top: 80px;
    font-weight: 700;
    letter-spacing: -0.01em;
    position: relative;
}

.testimonial-author::before {
    content: '';
    position: absolute;
    top: 40px; left: 50%;
    transform: translateX(-50%);
    width: 40px; height: 4px;
    background: linear-gradient(90deg, var(--secondary-color), var(--accent-color));
    border-radius: 4px;
}

.testimonial-text {
    font-size: 1.05rem;
    color: #475569;
    padding: 2rem;
    background: #ffffff;
    border-radius: 20px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.04);
    border: 1px solid rgba(0,0,0,0.03);
    line-height: 1.7;
    font-style: italic;
    margin-bottom: 2rem;
    transition: all 0.3s ease;
}

.testimonial-text:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0,0,0,0.08);
}

.solution-icon-3 {
    width: 40px; height: 40px;
    opacity: 0.8;
    margin-top: 15px;
    fill: var(--primary-color);
}

.reverse-xy { transform: scale(-1, -1) !important; }

/* ================
   Footer Section
   ================ */
.footer-section {
    background: linear-gradient(135deg, #020617 0%, #0A192F 100%);
    color: var(--light-color);
    padding: 6rem 0 3rem;
    position: relative;
    overflow: hidden;
}

.footer-section::before {
    content: '';
    position: absolute;
    bottom: -200px; right: -200px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(0, 229, 255, 0.1) 0%, transparent 70%);
    pointer-events: none;
}

.newsletter-form .form-control {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: #fff;
    padding: 1rem 1.5rem;
    border-radius: 60px;
    backdrop-filter: blur(5px);
}

.newsletter-form .form-control::placeholder { color: rgba(255,255,255,0.5); }

.newsletter-form .form-control:focus {
    background: rgba(255, 255, 255, 0.08);
    border-color: var(--secondary-color);
    box-shadow: 0 0 0 4px rgba(0, 229, 255, 0.15);
    color: #fff;
}

.btn-subscribe {
    background: linear-gradient(135deg, var(--secondary-color) 0%, var(--accent-color) 100%);
    color: var(--primary-color);
    border: none;
    border-radius: 60px;
    padding: 1rem 2rem;
    font-weight: 700;
    transition: all 0.3s var(--transition-smooth);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-size: 0.9rem;
}

.btn-subscribe:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(0, 229, 255, 0.3);
    color: var(--primary-color);
}

/* ================
   Other Sections (FAQ, Contact, Team)
   ================ */
.faq-section { padding: 120px 0; background: var(--black-color); color: var(--light-color); }
.faq-item { padding: 40px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
.faq-title { font-size: 1.5rem; font-weight: 600; }
.faq-description { font-size: 1.05rem; line-height: 1.7; color: rgba(255,255,255,0.7); }

.contact-section { padding: 120px 0; background: #F8FAFC; }
.contact-section .form-control {
    border: none; border-bottom: 2px solid #E2E8F0; padding: 15px 0;
    transition: border-color 0.3s ease; background: transparent;
}
.contact-section .form-control:focus { border-color: var(--secondary-color); box-shadow: none; }
.send-button {
    background: var(--primary-color); color: white; border: none;
    padding: 14px 40px; border-radius: 60px; font-weight: 600;
    text-transform: uppercase; letter-spacing: 0.05em; transition: all 0.3s;
}
.send-button:hover { background: var(--black-color); transform: translateY(-2px); box-shadow: 0 10px 20px rgba(0,0,0,0.1); }

/* ================
   Animation Enhancements
   ================ */
[data-aos="smooth-fade-up"] {
    opacity: 0; transform: translateY(40px);
    transition-property: transform, opacity;
    transition-duration: 1s;
    transition-timing-function: var(--transition-smooth);
}
[data-aos="smooth-fade-up"].aos-animate { opacity: 1; transform: translateY(0); }

[data-aos="smooth-scale-up"] {
    opacity: 0; transform: scale(0.95) translateY(20px);
    transition-property: transform, opacity;
    transition-duration: 1s;
    transition-timing-function: var(--transition-smooth);
}
[data-aos="smooth-scale-up"].aos-animate { opacity: 1; transform: scale(1) translateY(0); }

/* ================
   Responsive Polish
   ================ */
@media (max-width: 992px) {
    .section-title, .section-title-2 { font-size: 2.5rem; }
    .stat-number { font-size: 5rem; }
    .solution-item { padding: 30px 20px; }
    .zoom-wrapper { height: 350px; margin-top: 2rem; }
}

@media (max-width: 768px) {
    body { padding-top: 60px; }
    .hero-section { padding: 80px 20px; min-height: auto; height: auto; }
    .hero-title { font-size: 2.5rem !important; }
    .btn-apply { width: 100%; max-width: 300px; }
    .section-title, .section-title-2 { font-size: 2rem; }
    .stat-number { font-size: 4rem; }
    .solution-item .row { flex-direction: column; text-align: center; gap: 1.5rem; }
    .borrower-icon-wrapper { padding: 1.5rem; }
    .testimonial-author { padding-top: 60px; }
    .testimonial-author::before { top: 30px; }
    .about-section p { text-align: left; }
}

/* =========================================
   INDEX.PHP DESIGN UPGRADES (append at bottom)
   ========================================= */

/* Hero floating shapes */
.hero-shapes { position: absolute; inset: 0; z-index: 1; pointer-events: none; overflow: hidden; }
.hero-shapes .shape { position: absolute; border-radius: 50%; opacity: .5; }
.shape-1 { width: 12px; height: 12px; background: var(--secondary-color); top: 22%; left: 12%; animation: floatShape 7s ease-in-out infinite; }
.shape-2 { width: 8px; height: 8px; background: var(--button-color); top: 30%; right: 15%; animation: floatShape 9s ease-in-out infinite reverse; }
.shape-3 { width: 90px; height: 90px; border: 2px solid rgba(0,229,255,.35); bottom: 24%; left: 8%; animation: floatShape 11s ease-in-out infinite; }
.shape-4 { width: 60px; height: 60px; border: 2px solid rgba(255,107,107,.35); top: 18%; right: 8%; animation: floatShape 10s ease-in-out infinite reverse; }
.shape-5 { width: 6px; height: 6px; background: #fff; bottom: 30%; right: 30%; animation: floatShape 8s ease-in-out infinite; }
@keyframes floatShape { 0%,100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(-24px) rotate(10deg); } }

/* Scroll indicator */
.scroll-indicator { position: absolute; bottom: 28px; left: 50%; transform: translateX(-50%); z-index: 2; }
.scroll-indicator span { display: block; width: 26px; height: 42px; border: 2px solid rgba(255,255,255,.55); border-radius: 20px; position: relative; }
.scroll-indicator span::after { content: ''; position: absolute; top: 8px; left: 50%; transform: translateX(-50%); width: 4px; height: 8px; background: #fff; border-radius: 4px; animation: scrollWheel 1.8s ease-in-out infinite; }
@keyframes scrollWheel { 0% { opacity: 1; top: 8px; } 100% { opacity: 0; top: 22px; } }

/* About orbs + glass card */
.about-section { position: relative; overflow: hidden; }
.section-orb { position: absolute; border-radius: 50%; filter: blur(90px); opacity: .22; pointer-events: none; }
.orb-1 { width: 420px; height: 420px; background: var(--secondary-color); top: -140px; left: -140px; }
.orb-2 { width: 380px; height: 380px; background: var(--button-color); bottom: -140px; right: -140px; }
.about-glass-card { position: relative; z-index: 2; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); border-radius: 28px; padding: clamp(2rem, 4vw, 3.5rem); box-shadow: 0 30px 60px rgba(2,6,23,.35); }
.about-glass-card p { text-align: left; margin-bottom: 1.25rem; }
.about-glass-card p:last-child { margin-bottom: 0; }

/* Stat card glow */
.stat-glow { position: absolute; top: -60px; right: -60px; width: 170px; height: 170px; border-radius: 50%; background: radial-gradient(circle, rgba(0,229,255,.16), transparent 70%); pointer-events: none; }

/* Solution icon halo + decorative step numbers */
.icon-halo { flex: 0 0 auto; width: 104px; height: 104px; border-radius: 28px; display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, rgba(0,229,255,.12), rgba(100,255,218,.06)); border: 1px solid rgba(0,229,255,.25); box-shadow: inset 0 0 24px rgba(0,229,255,.08); transition: all .4s var(--transition-smooth); }
.solution-item:hover .icon-halo { transform: rotate(6deg) scale(1.06); border-color: rgba(0,229,255,.5); }
.icon-halo .solution-icon { width: 56px; height: 56px; margin: 0; }
.loan-solutions-section .container-xl { counter-reset: solution-step; }
.solution-item { counter-increment: solution-step; }
.solution-item::after { content: "0" counter(solution-step); position: absolute; top: 24px; right: 32px; font-family: 'Jost', sans-serif; font-size: 3rem; font-weight: 700; color: rgba(255,255,255,.07); line-height: 1; pointer-events: none; }

/* History image offset frame */
.img-frame { position: relative; }
.img-frame::before { content: ''; position: absolute; inset: 0; transform: translate(18px, 18px); border: 2px solid rgba(10,25,47,.2); border-radius: 30px; pointer-events: none; }
.img-frame .main-history-img { position: relative; z-index: 1; }

/* Testimonial cards + stars */
.testimonial-card { position: relative; background: #fff; border-radius: 28px; padding: 2.75rem 2rem 2.25rem; box-shadow: 0 15px 40px rgba(2,6,23,.06); border: 1px solid rgba(2,6,23,.04); transition: transform .4s var(--transition-smooth), box-shadow .4s var(--transition-smooth); display: flex; flex-direction: column; align-items: center; }
.testimonial-card:hover { transform: translateY(-8px); box-shadow: 0 25px 60px rgba(2,6,23,.1); }
.testimonial-card .testimonial-author { padding-top: 0; margin-bottom: 10px; }
.testimonial-card .testimonial-author::before { display: none; }
.testimonial-card .testimonial-text { background: transparent; box-shadow: none; border: none; padding: 0; margin-bottom: 1.25rem; }
.testimonial-card .solution-icon-3 { margin-top: auto; }
.star-row { display: flex; gap: 5px; justify-content: center; margin-bottom: 1.1rem; }
.star-row svg { width: 17px; height: 17px; fill: #FFB020; }