/* RK FINSERV — Premium Corporate Finance Stylesheet */
:root{
  --blue:#0f5132;
  --blue-dark:#083a23;
  --gold:#C89B3C;
  --gold-light:#e2bd6a;
  --white:#FFFFFF;
  --bg:#F4F8F5;
  --text:#1A1A1A;
  --muted:#5B6B62;
  --border:rgba(15,81,50,.10);
  --shadow-sm:0 2px 8px rgba(15,81,50,.06);
  --shadow:0 10px 30px rgba(15,81,50,.12);
  --shadow-lg:0 20px 60px rgba(15,81,50,.20);
  --radius:14px;
  --radius-lg:22px;
  --max:1240px;
  --serif:'Playfair Display', Georgia, serif;
  --sans:'Inter','Segoe UI',system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);color:var(--text);background:var(--white);line-height:1.6;overflow-x:hidden}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none;transition:color .25s ease}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;color:var(--blue);line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.6rem)}
h3{font-size:1.25rem}
p{color:var(--muted)}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:96px 0;position:relative}
.section-tight{padding:64px 0}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.section-head{text-align:center;max-width:720px;margin:0 auto 56px}
.section-head p{margin-top:14px;font-size:1.05rem}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:50px;font-weight:600;font-size:.95rem;border:1.5px solid transparent;cursor:pointer;transition:all .3s ease;white-space:nowrap}
.btn-primary{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;box-shadow:0 8px 22px rgba(11,46,107,.28)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(11,46,107,.4)}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;box-shadow:0 8px 22px rgba(200,155,60,.32)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(200,155,60,.45)}
.btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-ghost{background:rgba(255,255,255,.6);backdrop-filter:blur(10px);color:var(--blue);border:1px solid rgba(11,46,107,.15)}

/* ---------- Loader ---------- */
.loader{position:fixed;inset:0;background:#fff;z-index:9999;display:flex;align-items:center;justify-content:center;transition:opacity .5s ease,visibility .5s}
.loader.hide{opacity:0;visibility:hidden}
.loader-ring{width:54px;height:54px;border:3px solid rgba(11,46,107,.12);border-top-color:var(--gold);border-radius:50%;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ---------- Scroll Progress ---------- */
.scroll-progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),var(--blue));z-index:9998;transition:width .1s}

/* ---------- Header ---------- */
.site-header{position:fixed;top:0;left:0;right:0;z-index:1000;transition:all .35s ease;padding:18px 0}
.site-header.scrolled{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(16px);box-shadow:0 6px 24px rgba(11,46,107,.08);padding:10px 0}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;color:var(--blue);font-size:1.25rem}
.brand img{height:44px;width:auto}
.brand small{display:block;font-family:var(--sans);font-size:.62rem;color:var(--gold);letter-spacing:.18em;text-transform:uppercase;font-weight:600;margin-top:-2px}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links > li > a, .nav-links > li > .has-mega{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;font-size:.95rem;font-weight:500;color:var(--text);border-radius:10px;cursor:pointer;position:relative}
.nav-links > li > a:hover, .nav-links > li > .has-mega:hover{color:var(--blue);background:rgba(11,46,107,.05)}
.nav-links > li > a.active{color:var(--blue)}
.nav-links > li > a.active::after{content:"";position:absolute;left:16px;right:16px;bottom:4px;height:2px;background:var(--gold);border-radius:2px}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{padding:10px 18px;font-size:.88rem}
.hamburger{display:none;background:none;border:none;cursor:pointer;width:42px;height:42px;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.hamburger span{display:block;width:24px;height:2px;background:var(--blue);transition:all .3s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.45);z-index:999;transition:opacity .35s ease;opacity:0;pointer-events:none}
.nav-overlay.visible{display:block;opacity:1;pointer-events:auto}

/* ---------- Mega Menu ---------- */
.mega-wrap{position:relative}
.mega{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(10px);width:min(880px,92vw);background:rgba(255,255,255,.96);backdrop-filter:blur(20px);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:22px;opacity:0;visibility:hidden;transition:all .3s ease;display:grid;grid-template-columns:repeat(2,1fr);gap:10px;z-index:1001}
.mega-wrap:hover .mega, .mega-wrap.open .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega-item{display:flex;gap:14px;padding:14px;border-radius:12px;transition:all .25s;align-items:flex-start}
.mega-item:hover{background:linear-gradient(135deg,rgba(11,46,107,.04),rgba(200,155,60,.05))}
.mega-icon{flex-shrink:0;width:44px;height:44px;border-radius:11px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;font-size:1.1rem;box-shadow:0 6px 14px rgba(11,46,107,.22)}
.mega-item:nth-child(even) .mega-icon{background:linear-gradient(135deg,var(--gold),var(--gold-light));box-shadow:0 6px 14px rgba(200,155,60,.28)}
.mega-text strong{display:block;color:var(--blue);font-size:.98rem;margin-bottom:3px;font-family:var(--sans);font-weight:600}
.mega-text span{font-size:.82rem;color:var(--muted);line-height:1.45}

/* ---------- Hero ---------- */
.hero{position:relative;padding:160px 0 90px;background:radial-gradient(ellipse at top right,rgba(200,155,60,.10),transparent 60%),radial-gradient(ellipse at bottom left,rgba(11,46,107,.08),transparent 60%),var(--white);overflow:hidden}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;filter:blur(80px);opacity:.4;pointer-events:none}
.hero::before{width:380px;height:380px;background:var(--gold);top:-100px;right:-80px;animation:float 8s ease-in-out infinite}
.hero::after{width:300px;height:300px;background:var(--blue);bottom:-100px;left:-60px;animation:float 10s ease-in-out infinite reverse}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-30px)}}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;position:relative;z-index:1}
.hero-content h1{margin-bottom:18px}
.hero-content h1 span{background:linear-gradient(135deg,var(--gold),var(--gold-light));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-content .lead{font-size:1.12rem;margin-bottom:30px;max-width:540px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.hero-trust{display:flex;gap:30px;flex-wrap:wrap}
.hero-trust .item strong{display:block;font-family:var(--serif);font-size:2rem;color:var(--blue);line-height:1}
.hero-trust .item span{font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.hero-visual{position:relative}
.hero-visual img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.hero-card{position:absolute;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border:1px solid var(--border);border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);display:flex;align-items:center;gap:12px}
.hero-card .dot{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.hero-card strong{font-size:.95rem;color:var(--blue)}
.hero-card span{font-size:.78rem;color:var(--muted);display:block}
.hero-card.c1{top:30px;left:-20px;animation:float 6s ease-in-out infinite}
.hero-card.c2{bottom:30px;right:-20px;animation:float 7s ease-in-out infinite reverse}

/* ---------- Page Hero (smaller) ---------- */
.page-hero{padding:160px 0 80px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%);color:#fff;text-align:center;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 30%,rgba(200,155,60,.18),transparent 50%),radial-gradient(circle at 80% 70%,rgba(255,255,255,.06),transparent 50%);pointer-events:none}
.page-hero h1{color:#fff;position:relative}
.page-hero p{color:rgba(255,255,255,.8);max-width:640px;margin:18px auto 0;position:relative;font-size:1.08rem}
.crumbs{position:relative;margin-top:18px;font-size:.85rem;color:rgba(255,255,255,.7);letter-spacing:.06em}
.crumbs a{color:var(--gold-light)}

/* ---------- Services circular ---------- */
.services-bg{background:linear-gradient(180deg,#fff,var(--bg))}
.services-circle{position:relative;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:26px}
.service-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:34px 26px;text-align:center;transition:all .35s ease;overflow:hidden}
.service-card::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(11,46,107,.04),rgba(200,155,60,.06));opacity:0;transition:opacity .35s}
.service-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:rgba(200,155,60,.4)}
.service-card:hover::before{opacity:1}
.service-icon{width:80px;height:80px;margin:0 auto 20px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.9rem;position:relative;z-index:1;transition:transform .4s ease;box-shadow:0 10px 26px rgba(11,46,107,.25)}
.service-card:nth-child(even) .service-icon{background:linear-gradient(135deg,var(--gold),var(--gold-light));box-shadow:0 10px 26px rgba(200,155,60,.28)}
.service-card:hover .service-icon{transform:rotate(8deg) scale(1.08)}
.service-card h3{margin-bottom:10px;position:relative;z-index:1}
.service-card p{font-size:.92rem;position:relative;z-index:1}
.service-card .more{display:inline-block;margin-top:16px;font-weight:600;color:var(--gold);font-size:.88rem;position:relative;z-index:1}
.service-card .more::after{content:"→";margin-left:6px;transition:margin .25s}
.service-card:hover .more::after{margin-left:12px}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.about-grid img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.about-grid h2{margin-bottom:16px}
.mv{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
.mv-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px}
.mv-card strong{display:block;color:var(--gold);font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:8px}
.mv-card p{font-size:.92rem;margin:0;color:var(--text)}

/* ---------- Stats ---------- */
.stats{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;border-radius:var(--radius-lg);padding:50px 30px;display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:30px;text-align:center;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.stats::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 50%,rgba(200,155,60,.18),transparent 50%);pointer-events:none}
.stat{position:relative}
.stat .num{font-family:var(--serif);font-size:2.8rem;color:var(--gold-light);font-weight:700;line-height:1}
.stat .label{margin-top:8px;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;color:rgba(255,255,255,.85)}

/* ---------- Features (Why Choose Us) ---------- */
.features-bg{background:var(--bg)}
.features{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.feature{background:rgba(255,255,255,.7);backdrop-filter:blur(12px);border:1px solid var(--border);border-radius:var(--radius);padding:28px 22px;transition:all .3s}
.feature:hover{transform:translateY(-6px);box-shadow:var(--shadow);background:#fff;border-color:rgba(200,155,60,.35)}
.feature-icon{width:54px;height:54px;border-radius:13px;background:linear-gradient(135deg,rgba(11,46,107,.1),rgba(200,155,60,.15));color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:16px}
.feature h3{font-size:1.08rem;margin-bottom:8px;font-family:var(--sans);font-weight:700}
.feature p{font-size:.9rem;margin:0}

/* ---------- Testimonials ---------- */
.testi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:24px}
.testi{background:rgba(255,255,255,.85);backdrop-filter:blur(14px);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:all .35s;position:relative}
.testi::before{content:"\201C";position:absolute;top:-10px;right:24px;font-family:var(--serif);font-size:5rem;color:var(--gold);opacity:.25;line-height:1}
.testi:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.testi .stars{color:var(--gold);margin-bottom:12px;letter-spacing:2px}
.testi p{color:var(--text);font-style:italic;margin-bottom:18px}
.testi .who{display:flex;align-items:center;gap:12px}
.testi .who img{width:50px;height:50px;border-radius:50%;object-fit:cover;border:2px solid var(--gold)}
.testi .who strong{display:block;color:var(--blue);font-size:.98rem}
.testi .who span{font-size:.82rem;color:var(--muted)}

/* ---------- Gallery ---------- */
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.gallery a{display:block;position:relative;overflow:hidden;border-radius:var(--radius);box-shadow:var(--shadow-sm);aspect-ratio:4/3}
.gallery a:nth-child(1),.gallery a:nth-child(4){aspect-ratio:4/5}
.gallery img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.gallery a:hover img{transform:scale(1.08)}
.gallery a::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(11,46,107,.55));opacity:0;transition:opacity .35s}
.gallery a:hover::after{opacity:1}

/* ---------- CTA strip ---------- */
.cta-strip{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;border-radius:var(--radius-lg);padding:50px 40px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.cta-strip::before{content:"";position:absolute;right:-100px;top:-100px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(200,155,60,.4),transparent 70%)}
.cta-strip h2{color:#fff;margin-bottom:8px}
.cta-strip p{color:rgba(255,255,255,.85);margin:0}
.cta-strip .btns{display:flex;gap:14px;flex-wrap:wrap;position:relative}

/* ---------- Loan Detail Pages ---------- */
.loan-intro{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.loan-intro img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.loan-intro h2{margin-bottom:16px}
.check-list{list-style:none;margin-top:20px}
.check-list li{padding:10px 0 10px 32px;position:relative;color:var(--text)}
.check-list li::before{content:"✓";position:absolute;left:0;top:10px;width:22px;height:22px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700}
.info-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.info-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:all .3s}
.info-card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.info-card h3{color:var(--blue);margin-bottom:14px;font-size:1.15rem;font-family:var(--sans);font-weight:700}
.info-card ul{list-style:none}
.info-card ul li{padding:7px 0 7px 22px;position:relative;font-size:.94rem;color:var(--text)}
.info-card ul li::before{content:"•";position:absolute;left:6px;color:var(--gold);font-size:1.4rem;line-height:1;top:4px}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:all .3s}
.faq-q{padding:20px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--blue);gap:14px}
.faq-q::after{content:"+";font-size:1.5rem;color:var(--gold);transition:transform .3s;flex-shrink:0}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s}
.faq-item.open .faq-a{max-height:300px;padding:0 24px 22px}
.faq-a p{color:var(--muted);font-size:.95rem}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-bottom:50px}
.contact-card{background:rgba(255,255,255,.8);backdrop-filter:blur(14px);border:1px solid var(--border);border-radius:var(--radius-lg);padding:30px;text-align:center;transition:all .3s}
.contact-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:rgba(200,155,60,.35)}
.contact-card .ic{width:64px;height:64px;margin:0 auto 16px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.5rem;box-shadow:0 10px 22px rgba(11,46,107,.25)}
.contact-card:nth-child(even) .ic{background:linear-gradient(135deg,var(--gold),var(--gold-light));box-shadow:0 10px 22px rgba(200,155,60,.28)}
.contact-card h3{font-family:var(--sans);font-size:1rem;color:var(--muted);font-weight:500;margin-bottom:8px;text-transform:uppercase;letter-spacing:.1em}
.contact-card p, .contact-card a{color:var(--blue);font-weight:600;font-size:1.05rem;font-family:var(--serif)}
.map-wrap{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);height:420px;border:1px solid var(--border)}
.map-wrap iframe{width:100%;height:100%;border:0;display:block}
.social{display:flex;justify-content:center;gap:14px;margin-top:36px}
.social a{width:46px;height:46px;border-radius:50%;background:#fff;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;color:var(--blue);transition:all .3s;font-size:1.05rem}
.social a:hover{background:var(--blue);color:#fff;transform:translateY(-3px);box-shadow:var(--shadow)}

/* ---------- Footer ---------- */
.footer{background:linear-gradient(180deg,#0a2657,#061635);color:rgba(255,255,255,.78);padding:70px 0 0;position:relative;overflow:hidden}
.footer::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:50px}
.footer h4{color:#fff;font-family:var(--sans);font-size:.95rem;text-transform:uppercase;letter-spacing:.16em;margin-bottom:22px;position:relative;padding-bottom:10px}
.footer h4::after{content:"";position:absolute;left:0;bottom:0;width:32px;height:2px;background:var(--gold)}
.footer .fbrand{display:flex;align-items:center;gap:10px;color:#fff;font-family:var(--serif);font-size:1.4rem;font-weight:700;margin-bottom:14px}
.footer .fbrand img{height:46px;width:auto}
.footer p{color:rgba(255,255,255,.65);font-size:.94rem;line-height:1.7}
.footer ul{list-style:none}
.footer ul li{margin-bottom:10px}
.footer ul li a{color:rgba(255,255,255,.7);font-size:.93rem;transition:all .25s}
.footer ul li a:hover{color:var(--gold);padding-left:6px}
.footer .contact-mini li{display:flex;gap:10px;align-items:flex-start;color:rgba(255,255,255,.75);font-size:.92rem}
.footer .contact-mini li i{color:var(--gold);flex-shrink:0;margin-top:4px}
.footer .fsocial{display:flex;gap:10px;margin-top:18px}
.footer .fsocial a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:#fff;transition:all .3s;font-size:.9rem}
.footer .fsocial a:hover{background:var(--gold);transform:translateY(-3px)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:24px 0;text-align:center;color:rgba(255,255,255,.55);font-size:.85rem}
.footer-bottom span{color:var(--gold)}

/* ---------- Floating buttons ---------- */
.floating{position:fixed;right:22px;z-index:990;display:flex;flex-direction:column;gap:12px}
.floating{bottom:22px}
.fab{width:54px;height:54px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:1.5rem;box-shadow:0 10px 26px rgba(0,0,0,.18);transition:all .3s;text-decoration:none}
.fab.wa{background:#25D366}
.fab.call{background:var(--blue)}
.fab:hover{transform:scale(1.1) translateY(-3px)}
.fab.wa::before, .fab.call::before{content:"";position:absolute;inset:0;border-radius:50%;animation:ping 2s ease-out infinite;opacity:.5}
.fab.wa::before{box-shadow:0 0 0 0 #25D366}
@keyframes ping{0%{box-shadow:0 0 0 0 currentColor;opacity:.6}100%{box-shadow:0 0 0 18px transparent;opacity:0}}
.fab{position:relative}

/* ---------- Animations ---------- */
.reveal{opacity:0;transform:translateY(30px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero{padding:130px 0 70px}
  .hero-grid,.about-grid,.loan-intro{grid-template-columns:1fr;gap:40px}
  .hero-card.c1{left:10px;top:14px}
  .hero-card.c2{right:10px;bottom:14px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .cta-strip{padding:36px 26px;text-align:center;justify-content:center}
}
@media (max-width:780px){
  .section{padding:70px 0}
  .nav-cta .btn:not(.btn-gold){display:none}
  .hamburger{display:flex}
  .nav-links{position:fixed;top:0;right:-100%;height:100vh;width:min(320px,82vw);background:#fff;flex-direction:column;align-items:stretch;padding:90px 24px 30px;gap:4px;box-shadow:-20px 0 50px rgba(11,46,107,.18);transition:right .35s ease;overflow-y:auto;overflow-x:hidden;z-index:1010}
  .nav-links.open{right:0}
  .nav-links > li > a, .nav-links > li > .has-mega{padding:14px 16px;width:100%;border-radius:10px}
  .mega{position:static !important;transform:none !important;width:100%;opacity:1 !important;visibility:visible !important;display:none;box-shadow:none;border:1px solid var(--border);border-radius:10px;padding:8px 0 8px 8px;background:rgba(11,46,107,.03);backdrop-filter:none;grid-template-columns:1fr;transition:none !important;z-index:auto !important;max-height:none}
  .mega-wrap.open .mega{display:grid}
  .mega-item{padding:10px}
  .stats{padding:36px 22px}
  .stat .num{font-size:2.2rem}
}
@media (max-width:560px){
  .footer-grid{grid-template-columns:1fr}
  .hero-card{padding:10px 14px}
  .hero-card .dot{width:32px;height:32px;font-size:.85rem}
  .map-wrap{height:320px}
  .page-hero{padding:130px 0 60px}
  .brand img{height:38px}
  .nav-cta{gap:6px}
  .nav-cta .btn{padding:8px 12px;font-size:.8rem}
  .container{padding:0 16px}
  .hero{padding:120px 0 50px}
  .hero-content h1{font-size:1.9rem}
  .hero-trust{gap:18px}
  .hero-trust .item strong{font-size:1.5rem}
  .cta-strip{padding:28px 20px}
  .cta-strip .btns{justify-content:center;width:100%}
  .section{padding:54px 0}
  .section-head{margin-bottom:36px}
  .mv{grid-template-columns:1fr}
  h2{font-size:1.5rem}
}
@media (max-width:380px){
  .nav-cta .btn{padding:7px 10px;font-size:.75rem}
  .brand img{height:34px}
}

/* ---------- Cities / Presence ---------- */
.cities-bg{background:linear-gradient(180deg,var(--bg),#fff)}
.cities-intro{text-align:center;max-width:760px;margin:0 auto 36px}
.cities-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px;max-width:1080px;margin:0 auto}
.city-pill{background:#fff;border:1px solid var(--border);border-radius:50px;padding:12px 18px;text-align:center;font-size:.92rem;color:var(--blue);font-weight:600;transition:all .3s;display:flex;align-items:center;justify-content:center;gap:6px}
.city-pill:hover{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;transform:translateY(-3px);box-shadow:var(--shadow);border-color:transparent}
.city-pill .pin{color:var(--gold);font-size:.85rem}
.city-pill:hover .pin{color:var(--gold-light)}
.metro-badges{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin:24px 0 38px}
.metro-badges span{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;padding:8px 16px;border-radius:50px;font-size:.82rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;box-shadow:0 6px 14px rgba(200,155,60,.28)}