/* ============================================
   ACADEMIA AFRICAN HUB - Global Stylesheet
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', -apple-system, sans-serif;
  color: #1f2937;
  background: #fff;
  line-height: 1.6;
  overflow-x: hidden;
}

/* ---- Keyframes ---- */
@keyframes fadeInUp   { from { opacity:0; transform:translateY(32px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeIn     { from { opacity:0; } to { opacity:1; } }
@keyframes slideLeft  { from { opacity:0; transform:translateX(-40px); } to { opacity:1; transform:translateX(0); } }
@keyframes slideRight { from { opacity:0; transform:translateX(40px);  } to { opacity:1; transform:translateX(0); } }
@keyframes float      { 0%,100% { transform:translateY(0); } 50% { transform:translateY(-14px); } }
@keyframes shimmer    { 0% { background-position:-1000px 0; } 100% { background-position:1000px 0; } }
@keyframes pulse      { 0%,100% { transform:scale(1); } 50% { transform:scale(1.06); } }
@keyframes spin       { to { transform:rotate(360deg); } }
@keyframes countUp    { from { opacity:0; transform:scale(.7); } to { opacity:1; transform:scale(1); } }

/* ---- Utilities ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.text-center { text-align: center; }

.tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: #e0e7ff; color: #002850;
  padding: 6px 16px; border-radius: 20px;
  font-size: 13px; font-weight: 600; letter-spacing: .3px;
  margin-bottom: 18px;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 800; line-height: 1.1; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; line-height: 1.2; }
h3 { font-size: 1.25rem; font-weight: 700; }
p  { color: #4b5563; }

.highlight {
  background: linear-gradient(135deg, #002878, #a07850, #002878);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmer 3s linear infinite;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 30px; border-radius: 10px;
  font-size: 15px; font-weight: 600; text-decoration: none;
  cursor: pointer; border: none; transition: all .25s ease;
}
.btn-primary {
  background: linear-gradient(135deg, #002878, #003d99);
  color: #fff; box-shadow: 0 4px 14px rgba(0,40,120,.3);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(0,40,120,.4); }
.btn-outline {
  background: transparent; color: #002850;
  border: 2px solid #002878;
}
.btn-outline:hover { background: #002878; color: #fff; transform: translateY(-2px); }
.btn-white {
  background: #fff; color: #002850; font-weight: 700;
  box-shadow: 0 4px 14px rgba(0,0,0,.12);
}
.btn-white:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(0,0,0,.2); }
.btn-lg { padding: 17px 38px; font-size: 17px; }
.btn-full { width: 100%; }

/* ============================================
   NAVBAR
   ============================================ */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid #e5e7eb;
  backdrop-filter: blur(12px);
  transition: box-shadow .3s;
}
.navbar.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,.08); }
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none;
}
.nav-logo-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, #002878, #003d99);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  transition: transform .5s;
}
.nav-logo:hover .nav-logo-icon { transform: rotate(360deg); }
.nav-logo-text { line-height: 1.2; }
.nav-logo-text strong { display: block; font-size: 15px; font-weight: 800; color: #1f2937; }
.nav-logo-text span   { display: block; font-size: 11px; font-weight: 600; color: #002878; letter-spacing: 1px; text-transform: uppercase; }
.nav-logo-img { height: 48px; width: auto; }

.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a {
  text-decoration: none; color: #6b7280;
  padding: 8px 14px; border-radius: 8px;
  font-size: 14px; font-weight: 500;
  transition: all .2s;
}
.nav-links a:hover,
.nav-links a.active { color: #002850; background: #f0f4ff; }
.nav-links .btn-primary { color: #fff; padding: 10px 22px; }
.nav-links .btn-primary:hover { background: linear-gradient(135deg, #003d99, #002878); }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 6px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: #374151; border-radius: 2px; transition: all .3s; }

.mobile-nav {
  display: none; flex-direction: column; gap: 4px;
  padding: 16px 24px 20px;
  border-top: 1px solid #e5e7eb;
  background: #fff;
}
.mobile-nav a {
  text-decoration: none; color: #374151;
  padding: 12px 14px; border-radius: 8px;
  font-size: 15px; font-weight: 500;
  transition: all .2s;
}
.mobile-nav a:hover,
.mobile-nav a.active { color: #002850; background: #f0f4ff; }
.mobile-nav .btn-primary { color: #fff; text-align: center; margin-top: 6px; }
.mobile-nav.open { display: flex; }

/* ============================================
   FOOTER
   ============================================ */
.footer { background: #111827; color: #d1d5db; padding: 72px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid #374151;
}
.footer-brand .nav-logo-icon { background: #002878; }
.footer-brand .nav-logo-text strong { color: #fff; }
.footer-brand .nav-logo-text span   { color: #a5b4fc; }
.footer-brand .nav-logo-img { height: 44px; width: auto; background: #fff; padding: 6px 12px; border-radius: 8px; }
.footer-brand p { margin-top: 14px; font-size: 14px; color: #9ca3af; line-height: 1.8; max-width: 280px; }

.footer-socials { display: flex; gap: 10px; margin-top: 20px; }
.social-btn {
  width: 38px; height: 38px;
  background: #1f2937; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: #9ca3af; font-size: 16px; text-decoration: none;
  transition: all .25s;
}
.social-btn:hover { background: #002878; color: #fff; transform: translateY(-3px); }

.footer-col h4 { font-size: 13px; font-weight: 700; color: #fff; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 18px; }
.footer-col a, .footer-col p {
  display: block; text-decoration: none;
  color: #9ca3af; font-size: 14px;
  margin-bottom: 11px; line-height: 1.5;
  transition: color .2s;
}
.footer-col a:hover { color: #002878; }

.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.footer-contact-item .icon { font-size: 16px; margin-top: 2px; flex-shrink: 0; }
.footer-contact-item span { font-size: 14px; color: #9ca3af; line-height: 1.6; }

.footer-bottom {
  padding: 24px 0; text-align: center;
  font-size: 13px; color: #6b7280;
}

/* ============================================
   PAGE HEADER (inner pages)
   ============================================ */
.page-header {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, #f0f4ff 0%, #fff 60%, #eef2ff 100%);
  position: relative; overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute; top: -40%; right: -8%;
  width: 480px; height: 480px;
  background: radial-gradient(circle, rgba(0,40,120,.12) 0%, transparent 70%);
  animation: float 7s ease-in-out infinite;
}

/* Page header with banner image */
.page-header.has-banner {
  padding: 0; background: none; min-height: 380px;
  display: flex; flex-direction: column; justify-content: flex-end;
}
.page-header.has-banner::before { display: none; }
.page-banner-img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover; object-position: center;
  z-index: 0;
}
.page-banner-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(0,40,80,.75) 0%, rgba(6,78,59,.55) 100%);
  z-index: 1;
}
.page-banner-overlay.overlay-split {
  background: linear-gradient(90deg, rgba(6,78,59,.88) 0%, rgba(0,40,80,.65) 40%, rgba(0,40,80,.15) 70%, transparent 100%);
}
.page-header.has-banner .page-header-content {
  position: relative; z-index: 2;
  padding: 140px 0 72px;
}
.page-header.has-banner .tag {
  background: rgba(255,255,255,.2); color: #fff;
}
.page-header.has-banner h1 { color: #fff; }
.page-header.has-banner p  { color: rgba(255,255,255,.88); }
.page-header-content { max-width: 760px; animation: fadeInUp .9s ease-out; }
.page-header h1 { margin-bottom: 18px; color: #111827; }
.page-header p  { font-size: 1.15rem; color: #4b5563; max-width: 600px; line-height: 1.8; }

/* ============================================
   CARDS
   ============================================ */
.card {
  background: #fff; border: 1px solid #e5e7eb; border-radius: 16px;
  padding: 32px; transition: all .35s cubic-bezier(.4,0,.2,1);
  position: relative; overflow: hidden;
}
.card::after {
  content: ''; position: absolute; bottom: 0; left: 0;
  width: 0; height: 3px;
  background: linear-gradient(90deg, #002878, #003d99);
  transition: width .4s ease;
}
.card:hover { border-color: #a5b4fc; box-shadow: 0 16px 48px rgba(0,40,120,.12); transform: translateY(-6px); }
.card:hover::after { width: 100%; }

.card-icon {
  width: 56px; height: 56px;
  background: #f0f4ff; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin-bottom: 20px;
  transition: transform .3s;
}
.card:hover .card-icon { transform: scale(1.15) rotate(8deg); }

/* ============================================
   HOME PAGE
   ============================================ */
/* Hero */
.hero {
  padding: 148px 0 96px;
  background: linear-gradient(135deg, #f0f4ff 0%, #fff 55%, #eef2ff 100%);
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: -30%; right: -5%;
  width: 560px; height: 560px;
  background: radial-gradient(circle, rgba(0,40,120,.1) 0%, transparent 70%);
  animation: float 7s ease-in-out infinite;
}
.hero::after {
  content: '';
  position: absolute; bottom: -20%; left: -8%;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(0,61,153,.08) 0%, transparent 70%);
  animation: float 9s ease-in-out infinite reverse;
}
.hero-inner { position: relative; z-index: 1; max-width: 900px; margin: 0 auto; text-align: center; }
.hero-inner .tag { animation: slideLeft .7s ease-out; }
.hero-inner h1 { animation: fadeInUp .9s ease-out .1s both; color: #111827; margin-bottom: 22px; }
.hero-inner > p { animation: fadeInUp .9s ease-out .25s both; font-size: 1.2rem; margin-bottom: 40px; max-width: 680px; margin-left: auto; margin-right: auto; line-height: 1.9; }
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; animation: fadeInUp .9s ease-out .4s both; }

/* Stats bar */
.stats-bar { padding: 56px 0; background: #fff; border-top: 1px solid #e5e7eb; border-bottom: 1px solid #e5e7eb; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.stat-item { text-align: center; animation: countUp .7s ease-out both; }
.stat-item:nth-child(1) { animation-delay: .1s; }
.stat-item:nth-child(2) { animation-delay: .2s; }
.stat-item:nth-child(3) { animation-delay: .3s; }
.stat-item:nth-child(4) { animation-delay: .4s; }
.stat-item:hover { transform: translateY(-5px); transition: transform .3s; }
.stat-value { font-size: 2.8rem; font-weight: 800; color: #002878; line-height: 1; }
.stat-label { font-size: 14px; color: #6b7280; font-weight: 500; margin-top: 8px; }

/* Features strip */
.features-strip { padding: 80px 0; background: #f9fafb; }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }

/* Testimonials */
.testimonials { padding: 96px 0; background: #fff; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 56px; }
.testimonial-card {
  background: #f9fafb; border: 1px solid #e5e7eb; border-radius: 16px; padding: 32px;
  transition: all .3s;
}
.testimonial-card:hover { border-color: #a5b4fc; box-shadow: 0 10px 32px rgba(0,40,120,.1); transform: translateY(-4px); }
.stars { display: flex; gap: 3px; margin-bottom: 16px; }
.star { color: #002878; font-size: 18px; }
.testimonial-card p { font-size: 15px; color: #4b5563; line-height: 1.8; margin-bottom: 20px; font-style: italic; }
.testimonial-author strong { display: block; font-weight: 700; color: #111827; font-size: 15px; }
.testimonial-author span  { font-size: 13px; color: #002878; font-weight: 500; }

/* CTA Banner */
.cta-banner {
  padding: 96px 0;
  background: linear-gradient(135deg, #002850 0%, #002878 50%, #003d99 100%);
  position: relative; overflow: hidden; text-align: center;
}
.cta-banner::before {
  content: '';
  position: absolute; top: -50%; left: -10%;
  width: 500px; height: 500px;
  background: rgba(255,255,255,.06);
  border-radius: 50%; animation: float 8s ease-in-out infinite;
}
.cta-banner h2 { color: #fff; margin-bottom: 16px; }
.cta-banner p  { color: rgba(255,255,255,.85); font-size: 1.1rem; margin-bottom: 36px; max-width: 560px; margin-left: auto; margin-right: auto; }

/* Home page destination preview grid */
.home-dest-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 48px; }

/* ============================================
   DESTINATIONS PAGE
   ============================================ */
.destinations-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 56px; }
.dest-card {
  background: #fff; border: 1px solid #e5e7eb; border-radius: 16px;
  overflow: hidden; transition: all .35s cubic-bezier(.4,0,.2,1);
  cursor: pointer;
}
.dest-card:hover { border-color: #a5b4fc; box-shadow: 0 20px 48px rgba(0,40,120,.15); transform: translateY(-8px); }
.dest-card-flag {
  font-size: 64px;
  background: linear-gradient(135deg, #f0f4ff, #eef2ff);
  text-align: center; padding: 32px 20px 20px;
  transition: transform .3s;
}
.dest-card:hover .dest-card-flag { transform: scale(1.1); }
.dest-card-body { padding: 24px; }
.dest-card-body h3 { font-size: 1.15rem; color: #111827; margin-bottom: 8px; }
.dest-card-body p  { font-size: 14px; color: #6b7280; line-height: 1.7; margin-bottom: 16px; }
.dest-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.dest-tag {
  background: #f0f4ff; color: #002850;
  font-size: 12px; font-weight: 600;
  padding: 4px 10px; border-radius: 6px;
}

/* ============================================
   SERVICES PAGE
   ============================================ */
.services-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; margin-top: 56px; }
.service-card-full {
  background: #fff; border: 1px solid #e5e7eb; border-radius: 16px;
  padding: 40px; display: flex; gap: 28px;
  transition: all .35s cubic-bezier(.4,0,.2,1);
  position: relative; overflow: hidden;
}
.service-card-full::after {
  content: ''; position: absolute; left: 0; top: 0;
  width: 4px; height: 0;
  background: linear-gradient(180deg, #002878, #003d99);
  transition: height .4s ease;
  border-radius: 4px 0 0 4px;
}
.service-card-full:hover { border-color: #a5b4fc; box-shadow: 0 16px 48px rgba(0,40,120,.12); transform: translateY(-5px); }
.service-card-full:hover::after { height: 100%; }
.service-icon-big {
  width: 64px; height: 64px; flex-shrink: 0;
  background: #f0f4ff; border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 30px; transition: transform .3s;
}
.service-card-full:hover .service-icon-big { transform: scale(1.15) rotate(8deg); }
.service-card-full h3 { font-size: 1.2rem; color: #111827; margin-bottom: 10px; }
.service-card-full p  { font-size: 14px; color: #6b7280; line-height: 1.8; }
.service-list { margin-top: 14px; padding-left: 0; list-style: none; }
.service-list li {
  font-size: 13px; color: #4b5563; padding: 4px 0;
  display: flex; align-items: center; gap: 8px;
}
.service-list li::before { content: '✓'; color: #002878; font-weight: 700; }

/* ============================================
   LOAN SUPPORT PAGE
   ============================================ */
.loan-hero { background: linear-gradient(135deg, #f0f4ff, #eef2ff); border-radius: 20px; padding: 64px; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; margin-bottom: 80px; }
.loan-amount-card {
  background: #fff; border-radius: 20px; padding: 48px; text-align: center;
  box-shadow: 0 24px 64px rgba(0,40,120,.15);
  animation: float 6s ease-in-out infinite;
}
.loan-amount { font-size: 5rem; font-weight: 800; color: #002878; line-height: 1; }
.loan-amount-label { font-size: 15px; color: #6b7280; margin-top: 8px; font-weight: 500; }
.loan-mini-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 28px; }
.loan-mini-stat { background: #f0f4ff; border-radius: 12px; padding: 16px; text-align: center; }
.loan-mini-stat strong { display: block; font-size: 1.4rem; font-weight: 800; color: #111827; }
.loan-mini-stat span { font-size: 12px; color: #6b7280; }

.eligibility-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.eligibility-card { background: #fff; border: 1px solid #e5e7eb; border-radius: 14px; padding: 28px; text-align: center; transition: all .3s; }
.eligibility-card:hover { border-color: #a5b4fc; box-shadow: 0 10px 28px rgba(0,40,120,.1); transform: translateY(-5px); }
.eligibility-card .icon { font-size: 36px; margin-bottom: 14px; }
.eligibility-card h4 { font-size: 15px; font-weight: 700; color: #111827; margin-bottom: 8px; }
.eligibility-card p  { font-size: 13px; color: #6b7280; line-height: 1.7; }

.benefits-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 32px; }
.benefit-item { display: flex; align-items: flex-start; gap: 12px; }
.benefit-check { width: 22px; height: 22px; background: #002878; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; font-size: 11px; color: #fff; font-weight: 700; }
.benefit-item p { font-size: 14px; color: #4b5563; line-height: 1.6; }

/* ============================================
   APPLY PAGE
   ============================================ */
.apply-wrapper { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
.apply-sidebar h3 { font-size: 1.3rem; color: #111827; margin-bottom: 20px; }
.apply-step {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 20px 0; border-bottom: 1px solid #f3f4f6;
}
.apply-step-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, #002878, #003d99);
  color: #fff; font-weight: 800; font-size: 15px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.apply-step-text strong { display: block; font-weight: 700; color: #111827; font-size: 14px; margin-bottom: 4px; }
.apply-step-text span  { font-size: 13px; color: #6b7280; line-height: 1.6; }

.form-card { background: #fff; border: 1px solid #e5e7eb; border-radius: 20px; padding: 48px; box-shadow: 0 8px 40px rgba(0,0,0,.05); }
.form-section-title { font-size: 12px; font-weight: 700; color: #002878; text-transform: uppercase; letter-spacing: 1px; margin: 28px 0 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.form-group label { font-size: 13px; font-weight: 600; color: #374151; }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 14px 16px;
  border: 1.5px solid #e5e7eb; border-radius: 10px;
  font-size: 14px; font-family: inherit; color: #1f2937;
  background: #fff; width: 100%;
  transition: all .25s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none; border-color: #002878;
  box-shadow: 0 0 0 3px rgba(0,40,120,.12);
  transform: translateY(-2px);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 12px; color: #9ca3af; text-align: center; margin-top: 12px; }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-wrapper { display: grid; grid-template-columns: 1fr 1.4fr; gap: 56px; align-items: start; }
.contact-info h3 { font-size: 1.4rem; font-weight: 800; color: #111827; margin-bottom: 14px; }
.contact-info > p { font-size: 15px; color: #4b5563; line-height: 1.8; margin-bottom: 36px; }
.contact-item {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 20px; background: #f9fafb; border: 1px solid #e5e7eb;
  border-radius: 14px; margin-bottom: 14px; transition: all .3s;
}
.contact-item:hover { border-color: #a5b4fc; box-shadow: 0 6px 20px rgba(0,40,120,.1); }
.contact-item-icon {
  width: 46px; height: 46px; background: #f0f4ff; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; flex-shrink: 0;
}
.contact-item strong { display: block; font-size: 13px; font-weight: 700; color: #111827; margin-bottom: 3px; }
.contact-item span   { font-size: 14px; color: #6b7280; line-height: 1.6; }
.contact-hours { background: linear-gradient(135deg, #f0f4ff, #eef2ff); border-radius: 14px; padding: 24px; margin-top: 24px; }
.contact-hours h4 { font-size: 14px; font-weight: 700; color: #002850; margin-bottom: 12px; }
.contact-hours p  { font-size: 13px; color: #4b5563; line-height: 1.8; }

/* ============================================
   PROCESS PAGE (inline in home)
   ============================================ */
.process-section { padding: 96px 0; background: linear-gradient(135deg, #f0f4ff, #eef2ff); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 56px; position: relative; }
.process-grid::before {
  content: '';
  position: absolute; top: 52px; left: calc(12.5% + 12px); right: calc(12.5% + 12px);
  height: 2px; background: linear-gradient(90deg, #002878, #003d99);
  z-index: 0;
}
.process-card {
  background: #fff; border: 1px solid #e5e7eb; border-radius: 16px;
  padding: 32px 24px; text-align: center;
  transition: all .4s cubic-bezier(.4,0,.2,1);
  position: relative; z-index: 1;
}
.process-card:hover { border-color: #a5b4fc; box-shadow: 0 16px 40px rgba(0,40,120,.18); transform: translateY(-10px) scale(1.04); background: #fff; }
.process-card-num {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  width: 28px; height: 28px; border-radius: 50%;
  background: linear-gradient(135deg, #002878, #003d99);
  color: #fff; font-weight: 800; font-size: 13px;
  display: flex; align-items: center; justify-content: center;
}
.process-card-icon { font-size: 52px; margin: 8px 0 18px; display: inline-block; transition: transform .3s; }
.process-card:hover .process-card-icon { transform: scale(1.25) rotate(-10deg); animation: pulse .9s ease-in-out infinite; }
.process-card h3 { font-size: 1rem; color: #111827; margin-bottom: 8px; }
.process-card p  { font-size: 13px; color: #6b7280; line-height: 1.7; }

/* ============================================
   SUCCESS MESSAGE
   ============================================ */
.success-msg {
  text-align: center; padding: 64px 32px;
  animation: fadeInUp .6s ease-out;
}
.success-icon {
  width: 80px; height: 80px; border-radius: 50%;
  background: #dbeafe; color: #003d99;
  font-size: 36px; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px; animation: pulse 2s ease-in-out infinite;
}
.success-msg h3 { font-size: 1.6rem; color: #111827; margin-bottom: 10px; }
.success-msg p  { color: #4b5563; font-size: 15px; }

/* ============================================
   SCROLL REVEAL
   ============================================ */
.reveal { opacity: 0; transform: translateY(32px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-left  { opacity: 0; transform: translateX(-32px); transition: opacity .7s ease, transform .7s ease; }
.reveal-right { opacity: 0; transform: translateX(32px);  transition: opacity .7s ease, transform .7s ease; }
.reveal-left.visible,
.reveal-right.visible { opacity: 1; transform: translateX(0); }
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }
.delay-4 { transition-delay: .4s; }

/* ============================================
   IMAGES
   ============================================ */

/* Split hero */
.hero-split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.hero-split .hero-text { text-align: left; }
.hero-split .hero-text .tag { animation: slideLeft .7s ease-out; }
.hero-split .hero-text h1 { animation: slideLeft .9s ease-out .1s both; }
.hero-split .hero-text > p { animation: slideLeft .9s ease-out .25s both; margin-left: 0; margin-right: 0; }
.hero-split .hero-btns { justify-content: flex-start; }
.hero-img-wrap {
  position: relative; animation: slideRight .9s ease-out .2s both;
}
.hero-img-wrap img {
  width: 100%; height: 480px; object-fit: cover;
  border-radius: 24px;
  box-shadow: 0 32px 80px rgba(0,0,0,.15);
}
.hero-img-badge {
  position: absolute; background: #fff;
  border-radius: 14px; padding: 14px 18px;
  box-shadow: 0 8px 28px rgba(0,0,0,.12);
  display: flex; align-items: center; gap: 10px;
  animation: float 4s ease-in-out infinite;
}
.hero-img-badge-1 { bottom: -20px; left: -20px; animation-delay: 0s; }
.hero-img-badge-2 { top: 20px; right: -20px; animation-delay: 1.5s; }
.hero-img-badge .badge-icon { font-size: 28px; }
.hero-img-badge strong { display: block; font-size: 18px; font-weight: 800; color: #111827; line-height: 1; }
.hero-img-badge span  { font-size: 11px; color: #6b7280; font-weight: 500; }

/* Destination card images */
.dest-card-img {
  position: relative; overflow: hidden; height: 180px;
}
.dest-card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform .5s ease;
}
.dest-card:hover .dest-card-img img { transform: scale(1.08); }
.dest-card-flag-badge {
  position: absolute; bottom: 12px; left: 12px;
  background: rgba(255,255,255,.92); backdrop-filter: blur(8px);
  border-radius: 10px; padding: 6px 12px;
  font-size: 22px; box-shadow: 0 3px 12px rgba(0,0,0,.12);
}

/* Testimonial avatars */
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  object-fit: cover; flex-shrink: 0;
  border: 2px solid #a5b4fc;
}
.testimonial-author-text strong { display: block; font-weight: 700; color: #111827; font-size: 14px; }
.testimonial-author-text span  { font-size: 12px; color: #002878; font-weight: 500; }

/* About/feature image panels */
.img-rounded {
  width: 100%; border-radius: 20px;
  box-shadow: 0 20px 60px rgba(0,0,0,.12);
  object-fit: cover;
}
.img-float { animation: float 6s ease-in-out infinite; }

/* ============================================
   WHATSAPP FLOATING BUTTON
   ============================================ */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  width: 60px;
  height: 60px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 24px rgba(37, 211, 102, 0.4);
  transition: all .3s ease;
  text-decoration: none;
  animation: whatsappPulse 2.5s ease-in-out infinite;
}
.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 32px rgba(37, 211, 102, 0.5);
}
.whatsapp-float svg {
  width: 32px;
  height: 32px;
  fill: #fff;
}
.whatsapp-float .whatsapp-tooltip {
  position: absolute;
  right: 72px;
  top: 50%;
  transform: translateY(-50%);
  background: #111827;
  color: #fff;
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s;
}
.whatsapp-float .whatsapp-tooltip::after {
  content: '';
  position: absolute;
  right: -6px;
  top: 50%;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: #111827;
}
.whatsapp-float:hover .whatsapp-tooltip { opacity: 1; }

@keyframes whatsappPulse {
  0%, 100% { box-shadow: 0 6px 24px rgba(37, 211, 102, 0.4); }
  50% { box-shadow: 0 6px 24px rgba(37, 211, 102, 0.4), 0 0 0 12px rgba(37, 211, 102, 0); }
}

@media (max-width: 480px) {
  .whatsapp-float { width: 52px; height: 52px; bottom: 16px; right: 16px; }
  .whatsapp-float svg { width: 28px; height: 28px; }
  .whatsapp-float .whatsapp-tooltip { display: none; }
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .destinations-grid { grid-template-columns: repeat(2, 1fr); }
  .home-dest-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid::before { display: none; }
  .loan-hero { grid-template-columns: 1fr; padding: 40px; }
  .apply-wrapper { grid-template-columns: 1fr; }
  .contact-wrapper { grid-template-columns: 1fr; }
  .hero-split { grid-template-columns: 1fr; text-align: center; }
  .hero-split .hero-text { text-align: center; }
  .hero-split .hero-btns { justify-content: center; }
  .hero-img-wrap { max-width: 560px; margin: 0 auto; }
  .hero-img-badge-2 { right: -10px; }
}
@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.7rem; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .features-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .service-card-full { flex-direction: column; padding: 28px; }
  .destinations-grid { grid-template-columns: 1fr 1fr; }
  .home-dest-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .benefits-list { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .loan-mini-stats { grid-template-columns: repeat(2, 1fr); }
  .form-card { padding: 28px; }
  .section { padding: 64px 0; }
  /* Fix loan page overflow on mobile */
  .loan-hero { padding: 24px; border-radius: 14px; }
  .loan-amount-card { padding: 28px; }
  .loan-amount { font-size: 3rem; }
  /* Fix hero image height on mobile */
  .hero-img-wrap img { height: clamp(280px, 60vw, 480px); }
  /* Make buttons full-width on mobile */
  .hero-btns .btn,
  .cta-banner .btn { width: 100%; }
  .hero-btns { flex-direction: column; }
  .cta-banner > .container > div:last-child { flex-direction: column; }
}
@media (max-width: 480px) {
  .destinations-grid { grid-template-columns: 1fr; }
  .home-dest-grid { grid-template-columns: 1fr; }
  .hero { padding: 120px 0 64px; }
  .stat-value { font-size: 2rem; }
  .stats-grid { grid-template-columns: 1fr; }
}

/* ============================================
   PREMIUM POLISH (added Sept 2026)
   Richer navy/gold palette, deeper elevation,
   refined details for a high-end feel.
   ============================================ */

:root {
  --gold: #d4af37;
  --gold-light: #e9c86a;
  --gold-deep: #a07850;
  --navy: #002850;
  --navy-mid: #002878;
  --navy-bright: #003d99;
}

/* --- Buttons: sheen sweep + deeper glow --- */
.btn { position: relative; overflow: hidden; letter-spacing: .2px; }
.btn::before {
  content: '';
  position: absolute; top: 0; left: -75%;
  width: 50%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.35), transparent);
  transform: skewX(-25deg);
  transition: left .6s ease;
}
.btn:hover::before { left: 125%; }
.btn-primary {
  background: linear-gradient(135deg, #002878 0%, #003d99 60%, #0a4fbf 100%);
  box-shadow: 0 6px 20px rgba(0,40,120,.35), inset 0 1px 0 rgba(255,255,255,.15);
}
.btn-primary:hover {
  box-shadow: 0 12px 32px rgba(0,40,120,.45), inset 0 1px 0 rgba(255,255,255,.2);
}
.btn-outline {
  border-color: var(--navy-mid);
  background: rgba(255,255,255,.6);
  backdrop-filter: blur(4px);
}

/* --- Tag pill: gold-tinted premium badge --- */
.tag {
  background: linear-gradient(135deg, #fdf3d8, #f8e7b8);
  color: #6b5010;
  border: 1px solid #ecd9a0;
  box-shadow: 0 2px 8px rgba(212,175,55,.18);
}

/* --- Headings: tighter, more editorial --- */
h1 { letter-spacing: -0.02em; }
h2 { letter-spacing: -0.015em; }

/* --- Hero: premium backdrop with gold halo + gold image frame --- */
.hero {
  background:
    radial-gradient(ellipse 60% 50% at 80% 0%, rgba(212,175,55,.10), transparent 60%),
    radial-gradient(ellipse 50% 60% at 0% 100%, rgba(0,61,153,.07), transparent 60%),
    linear-gradient(135deg, #f5f7ff 0%, #fff 50%, #f0f2ff 100%);
}
.hero-img-wrap::before {
  content: '';
  position: absolute; inset: 14px -14px -14px 14px;
  border: 2px solid var(--gold);
  border-radius: 28px;
  opacity: .55;
  z-index: -1;
}
.hero-img-wrap img {
  box-shadow: 0 36px 90px rgba(0,20,60,.22), 0 0 0 1px rgba(255,255,255,.4);
}
.hero-img-badge {
  border: 1px solid rgba(212,175,55,.4);
  box-shadow: 0 12px 32px rgba(0,20,60,.16);
}
.hero-img-badge .badge-icon {
  filter: drop-shadow(0 2px 4px rgba(212,175,55,.35));
}

/* --- Stats bar: deep navy + gold numerals --- */
.stats-bar {
  background: linear-gradient(135deg, #00193a 0%, #002850 45%, #003d99 100%);
  border: none;
  position: relative;
}
.stats-bar::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 40% 80% at 50% 0%, rgba(212,175,55,.12), transparent 70%);
  pointer-events: none;
}
.stat-value {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.stat-label { color: rgba(255,255,255,.72); }

/* --- Cards: gold accent bar + luxe shadow --- */
.card::after {
  background: linear-gradient(90deg, var(--navy-mid), var(--gold));
  height: 4px;
}
.card:hover {
  border-color: rgba(212,175,55,.5);
  box-shadow: 0 24px 60px rgba(0,20,60,.16);
}
.card-icon {
  background: linear-gradient(135deg, #f0f4ff, #fdf6e3);
  border: 1px solid rgba(212,175,55,.25);
}

/* --- Testimonials: subtle gold star + lift --- */
.star { color: var(--gold); }
.testimonial-card:hover {
  border-color: rgba(212,175,55,.45);
  box-shadow: 0 16px 44px rgba(0,20,60,.13);
}

/* --- Destination cards: premium hover --- */
.dest-card:hover {
  border-color: rgba(212,175,55,.5);
  box-shadow: 0 26px 56px rgba(0,20,60,.18);
}

/* --- Nav: gold underline on links --- */
.nav-links a { position: relative; }
.nav-links a:not(.btn-primary)::after {
  content: '';
  position: absolute; left: 14px; right: 14px; bottom: 4px;
  height: 2px; border-radius: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left;
  transition: transform .3s ease;
}
.nav-links a:not(.btn-primary):hover::after,
.nav-links a:not(.btn-primary).active::after { transform: scaleX(1); }
.nav-links a:hover, .nav-links a.active { background: transparent; }

/* --- CTA banner: gold halo + deep navy --- */
.cta-banner {
  background:
    radial-gradient(ellipse 50% 60% at 80% 10%, rgba(212,175,55,.16), transparent 60%),
    linear-gradient(135deg, #00193a 0%, #002850 45%, #003d99 100%);
}
.cta-banner .tag { background: rgba(212,175,55,.18); color: var(--gold-light); border-color: rgba(212,175,55,.35); }

/* --- Page banner overlays: navy-gold cinematic gradient --- */
.page-banner-overlay {
  background: linear-gradient(120deg, rgba(0,20,50,.85) 0%, rgba(0,40,90,.62) 45%, rgba(160,120,80,.30) 100%);
}
.page-banner-overlay.overlay-split {
  background: linear-gradient(90deg, rgba(0,20,50,.92) 0%, rgba(0,40,90,.68) 42%, rgba(160,120,80,.22) 75%, transparent 100%);
}

/* --- Footer: gold hairline divider --- */
.footer {
  background: linear-gradient(180deg, #0b1526 0%, #111827 100%);
  border-top: 2px solid transparent;
  border-image: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent) 1;
}
.footer-col h4 { color: var(--gold-light); }
.footer-col a:hover { color: var(--gold-light); }
.footer-contact-item .icon { filter: grayscale(20%); }

/* --- WhatsApp float: green glow ring --- */
.whatsapp-float {
  box-shadow: 0 8px 28px rgba(37,211,102,.45), 0 0 0 6px rgba(37,211,102,.12);
}
.whatsapp-float:hover { box-shadow: 0 12px 36px rgba(37,211,102,.55), 0 0 0 8px rgba(37,211,102,.16); }

/* --- Section spacing: soft divider glow between light sections --- */
.features-strip { background: linear-gradient(180deg, #fafbff, #f4f6fd); }

/* --- Quick links grid (contact page "Not Sure Where to Start") --- */
.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
@media (max-width: 900px) {
  .quick-links-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .quick-links-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
}