/* ══════════════════════════════════════════════
   HsahFinX — Stylesheet
   Core Banking & Cooperative Management Platform
   ══════════════════════════════════════════════ */

:root {
  --ink:      #0a0d14;
  --paper:    #f5f0e8;
  --orange:   #e8481a;   /* HashFinX logo orange */
  --orange2:  #ff6b3d;   /* lighter orange */
  --orangegl: rgba(232,72,26,0.18);
  --gold:     #c8962a;
  --gold2:    #e8b84b;
  --teal:     #1a6b6b;
  --teal2:    #2a9090;
  --cream:    #faf7f2;
  --muted:    #7a7060;
  --line:     #ddd5c4;
  --shadow:   rgba(10,13,20,0.12);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--cream); color: var(--ink); overflow-x: hidden; }

/* ══ NAV ══ */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  padding: 0 48px; height: 76px;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 24px rgba(10,13,20,0.07);
}
.nav-logo {
  display: flex; align-items: center; gap: 12px;
  text-decoration: none;
  justify-self: start;
}
.nav-logo-img {
  width: 40px; height: 40px;
  object-fit: contain;
  border-radius: 10px;
  filter: drop-shadow(0 2px 8px rgba(232,72,26,0.3));
}
.nav-logo-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.5px;
}
.nav-logo-text span { color: var(--orange); }
.nav-links { display: flex; gap: 36px; align-items: center; justify-self: center; }
.nav-links a { font-size: 0.875rem; font-weight: 500; color: var(--muted); text-decoration: none; letter-spacing: 0.02em; transition: color 0.2s; }
.nav-links a:hover { color: var(--ink); }
.nav-cta-wrap { display: flex; justify-content: flex-end; align-items: center; }
.btn-nav {
  background: var(--orange);
  color: #fff !important;
  padding: 10px 24px; border-radius: 6px;
  font-weight: 600 !important;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s !important;
  box-shadow: 0 3px 14px rgba(232,72,26,0.3);
}
.btn-nav:hover { background: var(--orange2) !important; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(232,72,26,0.4) !important; }

/* ══ HERO ══ */
.hero { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; position: relative; overflow: hidden; }
.hero-left { display: flex; flex-direction: column; justify-content: center; padding: 120px 64px 80px 72px; position: relative; z-index: 2; }

/* Hero brand lockup */
.hero-brand-lockup {
  display: flex; align-items: center; gap: 16px;
  margin-bottom: 36px;
  padding: 14px 20px;
  background: linear-gradient(135deg, rgba(232,72,26,0.06), rgba(232,72,26,0.02));
  border: 1px solid rgba(232,72,26,0.15);
  border-radius: 14px;
  width: fit-content;
}
.hero-logo-img {
  width: 56px; height: 56px;
  object-fit: contain; border-radius: 12px;
  box-shadow: 0 4px 20px rgba(232,72,26,0.35);
}
.hero-brand-name {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.5rem; font-weight: 800;
  color: var(--ink); letter-spacing: -0.5px;
}
.hero-brand-sub {
  font-size: 0.72rem; font-weight: 600;
  color: var(--orange); letter-spacing: 0.08em;
  text-transform: uppercase; margin-top: 2px;
}

.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--orange); color: #fff;
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 6px 14px; border-radius: 3px; margin-bottom: 24px; width: fit-content;
}
.hero-tag::before { content: '✦'; }
.hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(3.2rem,5vw,5.4rem); font-weight: 900; line-height: 1.05; letter-spacing: -2px; color: var(--ink); margin-bottom: 28px; }
.hero h1 em { font-style: italic; color: var(--orange); }
.hero-sub { font-size: 1.05rem; line-height: 1.75; color: var(--muted); max-width: 440px; margin-bottom: 48px; }
.hero-ctas { display: flex; gap: 16px; align-items: center; }
.btn-primary {
  background: var(--orange); color: #fff; font-size: 0.95rem; font-weight: 600;
  padding: 16px 36px; border-radius: 6px; text-decoration: none; letter-spacing: 0.02em;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 22px rgba(232,72,26,0.35);
}
.btn-primary:hover { background: var(--orange2); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(232,72,26,0.45); }
.btn-ghost { color: var(--ink); font-size: 0.95rem; font-weight: 500; text-decoration: none; display: flex; align-items: center; gap: 8px; transition: gap 0.2s; }
.btn-ghost:hover { gap: 14px; }
.btn-ghost::after { content: '→'; }
.hero-stats { display: flex; gap: 40px; margin-top: 64px; padding-top: 40px; border-top: 1px solid var(--line); }
.stat-val { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 700; color: var(--orange); line-height: 1; }
.stat-label { font-size: 0.78rem; color: var(--muted); font-weight: 500; margin-top: 6px; letter-spacing: 0.04em; text-transform: uppercase; }

/* ══ HERO RIGHT — COLOURFUL DASHBOARD ══ */
.hero-right { position: relative; background: #0d1117; overflow: hidden; }
.hero-right::before {
  content: ''; position: absolute; inset: 0; z-index: 0;
  background:
    radial-gradient(circle at 20% 20%, rgba(232,72,26,0.22) 0%, transparent 45%),
    radial-gradient(circle at 80% 30%, rgba(200,150,42,0.16) 0%, transparent 45%),
    radial-gradient(circle at 50% 80%, rgba(26,107,107,0.20) 0%, transparent 45%),
    radial-gradient(circle at 85% 75%, rgba(139,92,246,0.14) 0%, transparent 40%);
}
.hero-grid-lines {
  position: absolute; inset: 0; z-index: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 44px 44px;
}
.hero-right-inner { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; padding: 40px 32px; z-index: 2; }

/* Dashboard card */
.dashboard-card {
  position: relative; z-index: 2;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px; width: 100%; max-width: 500px;
  overflow: hidden; backdrop-filter: blur(20px);
  animation: float 5s ease-in-out infinite;
  box-shadow: 0 24px 80px rgba(0,0,0,0.5), 0 0 0 1px rgba(255,255,255,0.05);
}
@keyframes float { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }

.card-header {
  display: flex; align-items: center; gap: 8px;
  padding: 14px 20px;
  background: rgba(255,255,255,0.04);
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.dot { width: 11px; height: 11px; border-radius: 50%; }
.dot-r { background: #ff5f57; } .dot-y { background: #ffbd2e; } .dot-g { background: #28ca41; }
.card-title-mock { font-family: 'DM Mono', monospace; font-size: 0.7rem; color: rgba(255,255,255,0.35); margin-left: 8px; flex: 1; }
.card-live { display: flex; align-items: center; gap: 5px; font-size: 0.65rem; font-weight: 600; color: #4ade80; letter-spacing: 0.08em; text-transform: uppercase; }
.live-dot { width: 6px; height: 6px; border-radius: 50%; background: #4ade80; box-shadow: 0 0 6px #4ade80; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.4} }

.card-body { padding: 20px 20px 18px; }

/* AUM row */
.aum-row { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 18px; }
.mock-label { font-size: 0.64rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 4px; }
.mock-value { font-family: 'Playfair Display', serif; font-size: 1.75rem; font-weight: 700; color: #fff; line-height: 1.1; }
.aum-change { font-size: 0.7rem; font-weight: 600; color: #4ade80; margin-top: 5px; }

/* Donut */
.donut-wrap { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.donut-svg { width: 64px; height: 64px; transform: rotate(-90deg); }
.donut-legend { display: flex; gap: 8px; }
.dleg { display: flex; align-items: center; gap: 4px; font-size: 0.6rem; color: rgba(255,255,255,0.45); font-weight: 600; }
.dleg span { width: 7px; height: 7px; border-radius: 2px; display: inline-block; }

/* Chips — colourful */
.mock-row { display: flex; gap: 10px; margin-bottom: 16px; }
.mock-chip {
  flex: 1; padding: 11px 12px; border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.08);
  position: relative; overflow: hidden;
}
.chip-blue   { background: linear-gradient(135deg, rgba(59,130,246,0.22), rgba(59,130,246,0.08)); border-color: rgba(59,130,246,0.3); }
.chip-amber  { background: linear-gradient(135deg, rgba(245,158,11,0.22), rgba(245,158,11,0.08)); border-color: rgba(245,158,11,0.3); }
.chip-teal   { background: linear-gradient(135deg, rgba(20,184,166,0.22), rgba(20,184,166,0.08)); border-color: rgba(20,184,166,0.3); }
.chip-icon { font-size: 1.1rem; margin-bottom: 6px; }
.chip-label { font-size: 0.58rem; color: rgba(255,255,255,0.4); letter-spacing: 0.08em; text-transform: uppercase; }
.chip-val   { font-size: 0.95rem; font-weight: 700; color: #fff; margin-top: 2px; }
.chip-delta { font-size: 0.6rem; font-weight: 600; color: #4ade80; margin-top: 3px; }

/* Bars */
.mock-bar-row { margin-bottom: 9px; }
.mock-bar-label { display: flex; justify-content: space-between; font-size: 0.67rem; color: rgba(255,255,255,0.45); margin-bottom: 5px; }
.bar-pct { font-weight: 700; }
.pct-gold   { color: #f5d070; }
.pct-teal   { color: #4ecdc4; }
.pct-purple { color: #c4b5fd; }
.pct-rose   { color: #fda4af; }
.mock-bar-track { height: 6px; background: rgba(255,255,255,0.08); border-radius: 99px; overflow: hidden; }
.mock-bar-fill  { height: 100%; border-radius: 99px; }

/* Activity feed */
.activity-feed { margin-top: 14px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,0.07); display: flex; flex-direction: column; gap: 8px; }
.activity-row  { display: flex; align-items: center; gap: 9px; }
.act-dot       { width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; }
.act-text      { font-size: 0.72rem; color: rgba(255,255,255,0.55); flex: 1; }
.act-time      { font-size: 0.65rem; color: rgba(255,255,255,0.25); font-family: 'DM Mono', monospace; }

/* Floating badges */
.hero-badge {
  position: absolute; border-radius: 10px; padding: 12px 16px; z-index: 3;
  animation: float 5s ease-in-out infinite;
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.15);
}
.badge-kyc { bottom: 64px; left: -12px; background: linear-gradient(135deg, #1a6b6b, #2a9090); box-shadow: 0 10px 32px rgba(26,107,107,0.5); animation-delay: 1s; }
.badge-emi { background: linear-gradient(135deg, #7c3aed, #a78bfa); box-shadow: 0 10px 32px rgba(124,58,237,0.45); animation-delay: 2.5s; }
.badge-icon { font-size: 1.3rem; }
.badge-text { font-size: 0.68rem; font-weight: 600; color: rgba(255,255,255,0.85); margin-top: 3px; }

/* ══ MARQUEE ══ */
.marquee-wrap { background: var(--ink); padding: 20px 0; overflow: hidden; border-top: 1px solid rgba(255,255,255,0.06); border-bottom: 1px solid rgba(255,255,255,0.06); }
.marquee-track { display: flex; animation: marquee 28s linear infinite; white-space: nowrap; }
.marquee-item { display: inline-flex; align-items: center; gap: 16px; padding: 0 40px; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.45); }
.marquee-item .dot-gold { color: var(--gold2); font-size: 0.6rem; }
@keyframes marquee { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* ══ SHARED ══ */
section { padding: 100px 72px; }
.section-tag { display: inline-flex; align-items: center; gap: 8px; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--teal); margin-bottom: 16px; }
.section-tag::before { content: ''; display: block; width: 24px; height: 2px; background: var(--teal); }
.section-h2 { font-family: 'Playfair Display', serif; font-size: clamp(2.2rem,4vw,3.4rem); font-weight: 900; line-height: 1.1; letter-spacing: -1.5px; margin-bottom: 18px; }
.section-sub { font-size: 1rem; color: var(--muted); line-height: 1.7; max-width: 560px; }

/* ══ MODULES — COLOURFUL CARDS ══ */
.modules-section { background: #0f1117; padding: 100px 72px; }
.modules-header  { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 64px; }
.modules-header .section-tag       { color: var(--gold2); }
.modules-header .section-tag::before { background: var(--gold2); }
.modules-header .section-h2        { color: #fff; }
.modules-header .section-sub       { color: rgba(255,255,255,0.5); }

.modules-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

/* Colour palette per card */
.module-card[data-color="blue"]    { --mc:#3b82f6; --mc2:#93c5fd; --mcbg:rgba(59,130,246,0.1); }
.module-card[data-color="emerald"] { --mc:#10b981; --mc2:#6ee7b7; --mcbg:rgba(16,185,129,0.1); }
.module-card[data-color="amber"]   { --mc:#f59e0b; --mc2:#fcd34d; --mcbg:rgba(245,158,11,0.1); }
.module-card[data-color="violet"]  { --mc:#8b5cf6; --mc2:#c4b5fd; --mcbg:rgba(139,92,246,0.1); }
.module-card[data-color="rose"]    { --mc:#f43f5e; --mc2:#fda4af; --mcbg:rgba(244,63,94,0.1); }
.module-card[data-color="pink"]    { --mc:#ec4899; --mc2:#f9a8d4; --mcbg:rgba(236,72,153,0.1); }
.module-card[data-color="cyan"]    { --mc:#06b6d4; --mc2:#67e8f9; --mcbg:rgba(6,182,212,0.1); }
.module-card[data-color="orange"]  { --mc:#f97316; --mc2:#fdba74; --mcbg:rgba(249,115,22,0.1); }
.module-card[data-color="teal"]    { --mc:#14b8a6; --mc2:#5eead4; --mcbg:rgba(20,184,166,0.1); }

.module-card {
  position: relative;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 0 0 28px 0;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s, background 0.25s;
}
.module-card:hover {
  transform: translateY(-6px);
  background: rgba(255,255,255,0.07);
  border-color: var(--mc);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4), 0 0 0 1px var(--mc), 0 0 40px -10px var(--mc);
}

/* Coloured top bar */
.module-top-bar {
  height: 4px;
  background: linear-gradient(90deg, var(--mc), var(--mc2));
  width: 100%;
}

.module-icon-wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px 0;
  margin-bottom: 14px;
}
.module-icon {
  width: 50px; height: 50px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  background: var(--mcbg);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
}
.module-badge {
  font-size: 0.62rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--mc2);
  background: var(--mcbg);
  border: 1px solid var(--mc);
  padding: 3px 10px; border-radius: 99px;
}
.module-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem; font-weight: 700; color: #fff;
  margin: 0 24px 8px; letter-spacing: -0.3px;
}
.module-desc { font-size: 0.82rem; color: rgba(255,255,255,0.45); line-height: 1.6; margin: 0 24px 16px; }

.module-divider { height: 1px; background: rgba(255,255,255,0.06); margin: 0 24px 16px; }

.module-features { list-style: none; display: flex; flex-direction: column; gap: 8px; padding: 0 24px; }
.module-features li {
  font-size: 0.78rem; color: rgba(255,255,255,0.6); font-weight: 400;
  display: flex; align-items: flex-start; gap: 8px; line-height: 1.4;
}
.module-features li::before {
  content: ''; display: block; flex-shrink: 0;
  width: 5px; height: 5px; border-radius: 50%;
  background: var(--mc); margin-top: 5px;
}

/* ══ INTEREST SECTION ══ */
.interest-section { background: var(--ink); color: #fff; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; padding: 100px 72px; }
.interest-section .section-tag { color: var(--gold2); }
.interest-section .section-tag::before { background: var(--gold2); }
.interest-section .section-h2 { color: #fff; }
.interest-section .section-sub { color: rgba(255,255,255,0.55); }
.interest-list { margin-top: 40px; display: flex; flex-direction: column; gap: 20px; }
.interest-item { display: flex; gap: 16px; align-items: flex-start; padding: 18px 20px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: 10px; transition: background 0.2s; }
.interest-item:hover { background: rgba(255,255,255,0.09); }
.interest-item-icon { width: 40px; height: 40px; flex-shrink: 0; background: var(--gold); display: flex; align-items: center; justify-content: center; border-radius: 8px; font-size: 1.1rem; }
.interest-item-text h4 { font-size: 0.93rem; font-weight: 600; margin-bottom: 3px; color: #fff; }
.interest-item-text p  { font-size: 0.8rem; color: rgba(255,255,255,0.5); line-height: 1.5; }
.interest-right { position: relative; }
.rates-card { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.1); border-radius: 14px; padding: 32px; backdrop-filter: blur(8px); }
.rates-card-header { font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700; color: #fff; margin-bottom: 22px; padding-bottom: 16px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.rate-row { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,0.06); }
.rate-row:last-child { border-bottom: none; }
.rate-type { font-size: 0.83rem; color: rgba(255,255,255,0.6); }
.rate-val  { font-family: 'DM Mono', monospace; font-size: 0.95rem; font-weight: 500; color: var(--gold2); }
.rate-badge { font-size: 0.62rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; background: var(--teal); color: #fff; padding: 3px 8px; border-radius: 3px; }
.audit-pill { margin-top: 18px; display: flex; align-items: center; gap: 10px; background: rgba(200,150,42,0.15); border: 1px solid rgba(200,150,42,0.3); border-radius: 8px; padding: 12px 16px; font-size: 0.78rem; color: var(--gold2); font-weight: 500; }

/* ══ COMPLIANCE ══ */
.compliance-section { background: var(--paper); padding: 100px 72px; }
.compliance-header  { text-align: center; margin-bottom: 64px; }
.compliance-header .section-tag          { justify-content: center; }
.compliance-header .section-tag::before  { display: none; }
.compliance-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.comp-card { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 30px 22px; text-align: center; transition: transform 0.2s, box-shadow 0.2s; }
.comp-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px var(--shadow); }
.comp-icon  { font-size: 2.2rem; margin-bottom: 14px; }
.comp-title { font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.comp-text  { font-size: 0.78rem; color: var(--muted); line-height: 1.6; }

/* ══ LOANS ══ */
.loans-section { background: var(--cream); padding: 100px 72px; }
.loans-header  { margin-bottom: 52px; }
.loans-grid    { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.loan-tile { background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 28px 22px; position: relative; overflow: hidden; transition: transform 0.2s, box-shadow 0.2s; }
.loan-tile:hover { transform: translateY(-4px); box-shadow: 0 12px 36px var(--shadow); }
.loan-tile::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gold); }
.loan-tile:nth-child(2n)::before { background: var(--teal); }
.loan-emoji  { font-size: 1.6rem; margin-bottom: 12px; }
.loan-name   { font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 700; margin-bottom: 6px; }
.loan-detail { font-size: 0.78rem; color: var(--muted); line-height: 1.5; }

/* ══ CTA ══ */
.cta-section { background: var(--paper); padding: 120px 72px; text-align: center; }
.cta-section .section-h2  { font-size: clamp(2.4rem,5vw,4rem); max-width: 700px; margin: 0 auto 24px; }
.cta-section .section-sub { margin: 0 auto 48px; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; }
.btn-large { font-size: 1rem; font-weight: 600; padding: 18px 44px; border-radius: 4px; text-decoration: none; letter-spacing: 0.02em; transition: all 0.2s; }
.btn-large-primary { background: var(--orange); color: #fff; box-shadow: 0 6px 24px rgba(232,72,26,0.35); }
.btn-large-primary:hover { background: var(--orange2); transform: translateY(-2px); box-shadow: 0 10px 30px rgba(232,72,26,0.45); }
.btn-large-outline { background: transparent; color: var(--ink); border: 2px solid var(--ink); }
.btn-large-outline:hover { background: var(--ink); color: var(--paper); }
.trust-note { margin-top: 32px; font-size: 0.82rem; color: var(--muted); }

/* ══ FOOTER ══ */
footer {
  background: #080b10;
  color: rgba(255,255,255,0.5);
  padding: 72px 72px 0;
  position: relative;
  overflow: hidden;
}
footer::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--gold2), var(--teal2), var(--orange));
  background-size: 200% 100%;
  animation: gradientShift 4s linear infinite;
}
@keyframes gradientShift { 0%{background-position:0% 0%} 100%{background-position:200% 0%} }

footer::after {
  content: '';
  position: absolute; bottom: 0; left: 50%; transform: translateX(-50%);
  width: 800px; height: 400px;
  background: radial-gradient(ellipse at center, rgba(232,72,26,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.footer-top {
  display: flex; justify-content: space-between; align-items: flex-start; gap: 60px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  margin-bottom: 0;
  position: relative; z-index: 1;
}
.footer-brand-col { flex: 0 0 300px; }

.footer-logo-wrap {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 20px;
}
.footer-logo-img {
  width: 52px; height: 52px;
  object-fit: contain; border-radius: 12px;
  box-shadow: 0 4px 20px rgba(232,72,26,0.4);
}
.footer-brand   { font-family: 'DM Sans', sans-serif; font-size: 1.5rem; font-weight: 800; color: #fff; letter-spacing: -0.5px; }
.footer-brand span { color: var(--orange); }
.footer-tagline { font-size: 0.72rem; color: rgba(255,255,255,0.3); margin-top: 2px; letter-spacing: 0.03em; }
.footer-desc    { font-size: 0.82rem; color: rgba(255,255,255,0.4); line-height: 1.65; margin-bottom: 20px; }

.footer-social-btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.78rem; font-weight: 600;
  color: var(--orange);
  background: rgba(232,72,26,0.12);
  border: 1px solid rgba(232,72,26,0.3);
  padding: 9px 18px; border-radius: 6px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
}
.footer-social-btn:hover { background: rgba(232,72,26,0.22); transform: translateY(-1px); }

.footer-links   { display: flex; gap: 60px; }
.footer-col h4  { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.28); margin-bottom: 18px; }
.footer-col a   { display: block; font-size: 0.83rem; color: rgba(255,255,255,0.5); text-decoration: none; margin-bottom: 11px; transition: color 0.2s, padding-left 0.2s; }
.footer-col a:hover { color: #fff; padding-left: 4px; }

/* Footer bottom bar */
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding: 22px 0;
  font-size: 0.75rem;
  border-top: 1px solid rgba(255,255,255,0.06);
  position: relative; z-index: 1;
}
.footer-bottom-logo {
  display: flex; align-items: center; gap: 10px;
}
.footer-bottom-logo-img {
  width: 28px; height: 28px;
  object-fit: contain; border-radius: 6px;
  opacity: 0.7;
}
.footer-bottom-name {
  font-size: 0.82rem; font-weight: 700;
  color: rgba(255,255,255,0.45);
  letter-spacing: -0.2px;
}
.footer-bottom-tagline {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.22);
  letter-spacing: 0.04em;
}

/* ══ ANIMATIONS ══ */
.fade-up { opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* ══ HAMBURGER BUTTON ══ */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px; height: 40px;
  background: transparent;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
  padding: 0;
  margin-left: 10px;
  transition: border-color 0.2s, background 0.2s;
  flex-shrink: 0;
}
.nav-hamburger:hover { border-color: var(--orange); background: rgba(232,72,26,0.05); }
.nav-hamburger span {
  display: block;
  width: 18px; height: 1.8px;
  background: var(--ink);
  border-radius: 2px;
  transform-origin: center;
  transition: transform 0.3s ease, opacity 0.3s ease, width 0.3s ease;
}
/* Animate to X when active */
.nav-hamburger.active span:nth-child(1) { transform: translateY(6.8px) rotate(45deg); }
.nav-hamburger.active span:nth-child(2) { opacity: 0; width: 0; }
.nav-hamburger.active span:nth-child(3) { transform: translateY(-6.8px) rotate(-45deg); }

/* ══ MOBILE MENU DRAWER ══ */
.mobile-menu {
  display: none;
  position: fixed;
  top: 64px; left: 0; right: 0;
  z-index: 99;
  background: rgba(255,255,255,0.99);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--line);
  padding: 8px 0 16px;
  transform: translateY(-12px);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.28s cubic-bezier(0.4,0,0.2,1), opacity 0.28s ease;
  box-shadow: 0 16px 48px rgba(10,13,20,0.12);
}
.mobile-menu.open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: all;
}
.mobile-menu-link {
  display: flex; align-items: center;
  padding: 13px 24px;
  font-size: 0.95rem; font-weight: 500;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: 0.01em;
  transition: background 0.15s, color 0.15s, padding-left 0.2s;
  border-radius: 0;
}
.mobile-menu-link:hover { background: var(--cream); color: var(--orange); padding-left: 30px; }
.mobile-menu-link + .mobile-menu-link { border-top: 1px solid var(--line); }
.mobile-menu-cta {
  display: block;
  margin: 14px 24px 0;
  background: var(--orange);
  color: #fff;
  text-align: center;
  font-size: 0.9rem; font-weight: 600;
  padding: 13px 24px;
  border-radius: 8px;
  text-decoration: none;
  letter-spacing: 0.02em;
  box-shadow: 0 4px 18px rgba(232,72,26,0.3);
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}
.mobile-menu-cta:hover { background: var(--orange2); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(232,72,26,0.4); }

/* Overlay */
.mobile-menu-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 98;
  background: rgba(10,13,20,0.35);
  backdrop-filter: blur(2px);
  opacity: 0;
  transition: opacity 0.28s ease;
}
.mobile-menu-overlay.open { opacity: 1; }

/* ══ RESPONSIVE ══ */

/* ── Tablet (≤ 900px) ── */
@media (max-width: 900px) {
  /* NAV */
  nav { padding: 0 24px; }

  /* HERO */
  .hero              { grid-template-columns: 1fr; }
  .hero-left         { padding: 100px 28px 60px; align-items: center; text-align: center; }
  .hero-brand-lockup { margin: 0 auto 28px; }
  .hero-tag          { margin: 0 auto 20px; }
  .hero h1           { font-size: clamp(2.6rem,7vw,4rem); }
  .hero-sub          { max-width: 100%; text-align: center; margin-bottom: 36px; }
  .hero-ctas         { justify-content: center; flex-wrap: wrap; }
  .hero-stats        { justify-content: center; gap: 28px; }
  .hero-right        { min-height: 420px; }

  /* SECTIONS */
  section            { padding: 72px 28px; }

  /* MODULES */
  .modules-section   { padding: 72px 28px; }
  .modules-header    { flex-direction: column; gap: 20px; align-items: flex-start; }
  .modules-grid      { grid-template-columns: 1fr 1fr; gap: 16px; }

  /* INTEREST */
  .interest-section  { grid-template-columns: 1fr; gap: 48px; padding: 72px 28px; }

  /* COMPLIANCE */
  .compliance-section { padding: 72px 28px; }
  .compliance-grid    { grid-template-columns: 1fr 1fr; }

  /* LOANS */
  .loans-section     { padding: 72px 28px; }
  .loans-grid        { grid-template-columns: 1fr 1fr; }

  /* CTA */
  .cta-section       { padding: 80px 28px; }
  .cta-buttons       { flex-wrap: wrap; gap: 12px; }

  /* FOOTER */
  footer             { padding: 56px 28px 0; }
  .footer-top        { flex-direction: column; gap: 40px; align-items: stretch; }
  .footer-brand-col  { flex: none; width: 100%; }
  .footer-links      { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; width: 100%; }
  .footer-bottom     { flex-direction: column; gap: 10px; text-align: center; padding: 20px 0; }
  .footer-bottom-logo { justify-content: center; }
}

/* ── Mobile (≤ 600px) ── */
@media (max-width: 600px) {
  /* NAV — logo left, spacer middle, CTA + hamburger right */
  nav               { padding: 0 16px; height: 64px; grid-template-columns: auto 1fr auto; gap: 0; }
  .nav-links        { display: none; }
  .nav-logo         { gap: 8px; min-width: 0; }
  .nav-logo-img     { width: 30px; height: 30px; flex-shrink: 0; }
  .nav-logo-text    { font-size: 1rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .nav-cta-wrap     { justify-self: end; display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
  .btn-nav          { padding: 8px 14px; font-size: 0.78rem !important; white-space: nowrap; border-radius: 6px; box-shadow: 0 2px 10px rgba(232,72,26,0.25); }
  .nav-hamburger    { display: flex; width: 36px; height: 36px; flex-shrink: 0; margin-left: 0; }
  .mobile-menu      { display: block; }
  .mobile-menu-overlay { display: block; }

  /* HERO */
  .hero-left        { padding: 88px 20px 48px; }
  .hero-brand-lockup { padding: 10px 14px; gap: 12px; }
  .hero-logo-img    { width: 44px; height: 44px; }
  .hero-brand-name  { font-size: 1.2rem; }
  .hero h1          { font-size: clamp(2.2rem,9vw,3rem); letter-spacing: -1px; }
  .hero-sub         { font-size: 0.92rem; }
  .btn-primary      { padding: 14px 28px; font-size: 0.9rem; }
  .hero-stats       { gap: 20px; flex-wrap: wrap; margin-top: 40px; padding-top: 28px; }
  .stat-val         { font-size: 1.6rem; }
  .hero-right       { min-height: 360px; }
  .hero-right-inner { padding: 24px 16px; }
  .hero-badge       { display: none; } /* hide floating badges on small screens */

  /* DASHBOARD CARD scaling */
  .dashboard-card   { max-width: 100%; }
  .mock-value       { font-size: 1.35rem; }
  .mock-row         { gap: 7px; }
  .mock-chip        { padding: 8px 9px; }
  .chip-val         { font-size: 0.82rem; }

  /* SECTIONS */
  section           { padding: 60px 20px; }
  .section-h2       { font-size: clamp(1.8rem,7vw,2.6rem); letter-spacing: -1px; }
  .section-sub      { font-size: 0.92rem; }

  /* MODULES */
  .modules-section  { padding: 60px 20px; }
  .modules-header   { margin-bottom: 40px; }
  .modules-header .section-sub { max-width: 100%; }
  .modules-grid     { grid-template-columns: 1fr; gap: 14px; }
  .module-card      { padding-bottom: 22px; }
  .module-icon-wrap { padding: 16px 20px 0; }
  .module-name      { margin: 0 20px 6px; font-size: 1.05rem; }
  .module-desc      { margin: 0 20px 12px; font-size: 0.8rem; }
  .module-features  { padding: 0 20px; }
  .module-divider   { margin: 0 20px 12px; }

  /* INTEREST */
  .interest-section { padding: 60px 20px; gap: 36px; }
  .interest-section .section-h2 { font-size: clamp(1.8rem,7vw,2.4rem); }
  .rates-card       { padding: 22px 18px; }
  .interest-list    { margin-top: 28px; gap: 14px; }
  .interest-item    { padding: 14px 16px; }

  /* COMPLIANCE */
  .compliance-section { padding: 60px 20px; }
  .compliance-grid    { grid-template-columns: 1fr; gap: 14px; }
  .comp-card          { padding: 22px 18px; }

  /* LOANS */
  .loans-section    { padding: 60px 20px; }
  .loans-grid       { grid-template-columns: 1fr 1fr; gap: 12px; }
  .loan-tile        { padding: 20px 16px; }
  .loan-emoji       { font-size: 1.3rem; }
  .loan-name        { font-size: 0.88rem; }
  .loan-detail      { font-size: 0.73rem; }

  /* CTA */
  .cta-section      { padding: 64px 20px; }
  .cta-section .section-h2 { font-size: clamp(1.8rem,7vw,2.6rem); }
  .cta-buttons      { flex-direction: column; align-items: center; gap: 12px; }
  .btn-large        { width: 100%; max-width: 320px; text-align: center; padding: 16px 28px; font-size: 0.95rem; }
  .trust-note       { font-size: 0.75rem; line-height: 1.6; }

  /* FOOTER */
  footer            { padding: 48px 20px 0; }
  .footer-top       { gap: 32px; }
  .footer-brand-col { width: 100%; }
  .footer-logo-wrap { gap: 12px; }
  .footer-logo-img  { width: 42px; height: 42px; }
  .footer-brand     { font-size: 1.25rem; }
  .footer-desc      { font-size: 0.8rem; }
  .footer-links     { grid-template-columns: 1fr 1fr; gap: 28px 20px; }
  .footer-links .footer-col:last-child { grid-column: span 2; }
  .footer-col h4    { font-size: 0.65rem; margin-bottom: 14px; }
  .footer-col a     { font-size: 0.8rem; margin-bottom: 9px; }
  .footer-bottom    { flex-direction: column; gap: 8px; text-align: center; padding: 18px 0; font-size: 0.72rem; }
  .footer-bottom-logo { justify-content: center; }
  .footer-bottom-tagline { display: block; }
}

/* ── Small mobile (≤ 400px) ── */
@media (max-width: 400px) {
  .hero h1        { font-size: 2rem; }
  .loans-grid     { grid-template-columns: 1fr; }
  .hero-stats     { gap: 16px; }
  .stat-val       { font-size: 1.4rem; }
}