/* ====================================
   Kredit Kaya - Main Stylesheet
   ==================================== */

/* === CSS Variables === */
:root {
    /* Colors */
    --primary-color: #10b981;
    --primary-dark: #059669;
    --primary-light: #34d399;
    --secondary-color: #3b82f6;
    --accent-color: #f59e0b;
    --dark-color: #1f2937;
    --text-color: #374151;
    --text-light: #6b7280;
    --text-lighter: #9ca3af;
    --bg-color: #ffffff;
    --bg-light: #f9fafb;
    --bg-lighter: #f3f4f6;
    --border-color: #e5e7eb;
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.1);
    
    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-2xl: 4rem;
    
    /* Border Radius */
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-full: 9999px;
    
    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 250ms ease;
    --transition-slow: 350ms ease;
    
    /* Typography */
    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

/* === Reset & Base Styles === */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: var(--font-family);
    color: var(--text-color);
    background-color: var(--bg-color);
    line-height: 1.6;
    font-size: 16px;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition-base);
}

ul {
    list-style: none;
}

button {
    border: none;
    background: none;
    cursor: pointer;
    font-family: inherit;
}

/* === Container === */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

/* === Typography === */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    color: var(--dark-color);
}

h1 {
    font-size: clamp(2rem, 5vw, 3.5rem);
}

h2 {
    font-size: clamp(1.75rem, 4vw, 2.5rem);
}

h3 {
    font-size: clamp(1.25rem, 3vw, 1.75rem);
}

/* === Buttons === */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: var(--transition-base);
    cursor: pointer;
    text-align: center;
    justify-content: center;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: white;
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    border: 2px solid var(--primary-color);
    color: var(--primary-color);
    background: transparent;
}

.btn-outline:hover {
    background: var(--primary-color);
    color: white;
}

.btn-large {
    padding: 1rem 2rem;
    font-size: 1.125rem;
}

.btn-block {
    width: 100%;
}

.btn-primary-nav {
    background: var(--primary-color);
    color: white;
    padding: 0.625rem 1.25rem;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: var(--transition-base);
}

.btn-primary-nav:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
}

/* === Badge === */
.badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    background: rgba(16, 185, 129, 0.1);
    color: var(--primary-color);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

/* === Header / Navigation === */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    box-shadow: var(--shadow-sm);
    z-index: 1000;
    transition: var(--transition-base);
}

.navbar {
    padding: 1rem 0;
}

.nav-wrapper {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--dark-color);
}

.logo i {
    color: var(--primary-color);
    font-size: 1.75rem;
}

.logo strong {
    color: var(--primary-color);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-link {
    color: var(--text-color);
    font-weight: 500;
    position: relative;
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary-color);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--primary-color);
    transition: var(--transition-base);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 0.375rem;
    width: 30px;
    height: 24px;
}

.nav-toggle span {
    width: 100%;
    height: 3px;
    background: var(--dark-color);
    border-radius: var(--radius-full);
    transition: var(--transition-base);
}

/* === Hero Section === */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 8rem 0 4rem;
    overflow: hidden;
}

.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: -1;
    background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 100%);
}

.hero-shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.3;
}

.shape-1 {
    width: 400px;
    height: 400px;
    background: linear-gradient(135deg, var(--primary-light), var(--primary-color));
    top: -100px;
    right: -100px;
    animation: float 6s ease-in-out infinite;
}

.shape-2 {
    width: 300px;
    height: 300px;
    background: linear-gradient(135deg, var(--secondary-color), var(--primary-color));
    bottom: -50px;
    left: -50px;
    animation: float 8s ease-in-out infinite reverse;
}

.shape-3 {
    width: 200px;
    height: 200px;
    background: linear-gradient(135deg, var(--accent-color), var(--primary-color));
    top: 50%;
    left: 50%;
    animation: float 10s ease-in-out infinite;
}

@keyframes float {
    0%, 100% {
        transform: translateY(0) rotate(0deg);
    }
    50% {
        transform: translateY(-20px) rotate(180deg);
    }
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-title {
    margin-bottom: 1.5rem;
}

.hero-title .highlight {
    color: var(--primary-color);
    position: relative;
    display: inline-block;
}

.hero-description {
    font-size: 1.125rem;
    color: var(--text-light);
    margin-bottom: 2rem;
    line-height: 1.8;
}

.hero-stats {
    display: flex;
    gap: 2rem;
    margin-bottom: 2rem;
    flex-wrap: wrap;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.stat-item i {
    font-size: 2rem;
    color: var(--primary-color);
}

.stat-item strong {
    display: block;
    font-size: 1.25rem;
    color: var(--dark-color);
}

.stat-item span {
    display: block;
    font-size: 0.875rem;
    color: var(--text-light);
}

.hero-buttons {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.hero-image {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 400px;
}

.hero-illustration {
    width: 300px;
    height: 300px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-xl);
    animation: morph 8s ease-in-out infinite;
}

.hero-illustration i {
    font-size: 8rem;
    color: white;
}

@keyframes morph {
    0%, 100% {
        border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
    }
    25% {
        border-radius: 58% 42% 75% 25% / 76% 46% 54% 24%;
    }
    50% {
        border-radius: 50% 50% 33% 67% / 55% 27% 73% 45%;
    }
    75% {
        border-radius: 33% 67% 58% 42% / 63% 68% 32% 37%;
    }
}

.floating-card {
    position: absolute;
    background: white;
    padding: 1rem 1.5rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 1rem;
    animation: floatCard 3s ease-in-out infinite;
}

.floating-card i {
    font-size: 2rem;
    color: var(--primary-color);
}

.floating-card strong {
    display: block;
    font-size: 1rem;
    color: var(--dark-color);
}

.floating-card span {
    display: block;
    font-size: 0.875rem;
    color: var(--text-light);
}

.card-1 {
    top: 10%;
    right: 10%;
}

.card-2 {
    bottom: 10%;
    left: 10%;
}

@keyframes floatCard {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-10px);
    }
}

/* === Section Styles === */
section {
    padding: var(--spacing-2xl) 0;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 3rem;
}

.section-subtitle {
    display: inline-block;
    color: var(--primary-color);
    font-weight: 600;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 0.5rem;
}

.section-title {
    margin-bottom: 1rem;
}

.section-description {
    font-size: 1.125rem;
    color: var(--text-light);
}

/* === Features Section === */
.features {
    background: var(--bg-color);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.feature-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    transition: var(--transition-base);
    border: 1px solid var(--border-color);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
    border-color: var(--primary-color);
}

.feature-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--primary-light), var(--primary-color));
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.feature-icon i {
    font-size: 2rem;
    color: white;
}

.feature-card h3 {
    margin-bottom: 0.75rem;
    color: var(--dark-color);
}

.feature-card p {
    color: var(--text-light);
    line-height: 1.7;
}

/* === How It Works Section === */
.how-it-works {
    background: var(--bg-light);
}

.steps-container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 2rem;
    max-width: 900px;
    margin: 0 auto;
}

.step {
    flex: 1;
    text-align: center;
    position: relative;
}

.step-number {
    position: absolute;
    top: -10px;
    left: 50%;
    transform: translateX(-50%);
    width: 40px;
    height: 40px;
    background: var(--primary-color);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.25rem;
    box-shadow: var(--shadow-md);
    z-index: 2;
}

.step-icon {
    width: 120px;
    height: 120px;
    background: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    box-shadow: var(--shadow-lg);
    border: 4px solid var(--primary-light);
}

.step-icon i {
    font-size: 3rem;
    color: var(--primary-color);
}

.step h3 {
    margin-bottom: 0.75rem;
}

.step p {
    color: var(--text-light);
    font-size: 0.95rem;
}

.step-connector {
    width: 80px;
    height: 2px;
    background: linear-gradient(90deg, var(--primary-light), var(--primary-color));
    position: relative;
    margin-top: 60px;
}

.step-connector::after {
    content: '→';
    position: absolute;
    right: -10px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--primary-color);
    font-size: 1.5rem;
}

/* === Requirements Section === */
.requirements {
    background: var(--bg-color);
}

.requirements-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.requirements-list {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    margin-top: 2rem;
}

.requirements-list li {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.requirements-list i {
    font-size: 1.5rem;
    color: var(--primary-color);
    flex-shrink: 0;
    margin-top: 0.25rem;
}

.requirements-list strong {
    display: block;
    color: var(--dark-color);
    margin-bottom: 0.25rem;
}

.requirements-list span {
    display: block;
    color: var(--text-light);
    font-size: 0.9rem;
}

.requirements-image {
    display: flex;
    justify-content: center;
}

.card-preview {
    background: white;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    width: 100%;
    max-width: 400px;
    border: 1px solid var(--border-color);
}

.card-header {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: white;
    padding: 1.5rem;
    display: flex;
    align-items: center;
    gap: 1rem;
}

.card-header i {
    font-size: 2rem;
}

.card-header span {
    font-weight: 600;
    font-size: 1.125rem;
}

.card-body {
    padding: 2rem;
}

.doc-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem;
    background: var(--bg-light);
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
}

.doc-item i {
    font-size: 1.5rem;
    color: var(--primary-color);
}

.doc-item span {
    font-weight: 500;
    color: var(--dark-color);
}

/* === Calculator Section === */
.calculator {
    background: var(--bg-light);
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    max-width: 1000px;
    margin: 0 auto;
}

.calculator-form {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.form-group {
    margin-bottom: 2rem;
}

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--dark-color);
    margin-bottom: 0.75rem;
}

.input-wrapper {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.input-prefix,
.input-suffix {
    font-weight: 600;
    color: var(--text-light);
    font-size: 0.875rem;
}

input[type="range"] {
    width: 100%;
    height: 8px;
    border-radius: var(--radius-full);
    background: var(--bg-lighter);
    outline: none;
    -webkit-appearance: none;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-color);
    cursor: pointer;
    box-shadow: var(--shadow-md);
}

input[type="range"]::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-color);
    cursor: pointer;
    box-shadow: var(--shadow-md);
    border: none;
}

input[type="text"][readonly] {
    background: var(--bg-light);
    border: 2px solid var(--border-color);
    padding: 0.75rem;
    border-radius: var(--radius-md);
    font-weight: 600;
    color: var(--dark-color);
    text-align: center;
    font-size: 1.125rem;
}

.interest-rate {
    background: var(--bg-light);
    padding: 0.75rem;
    border-radius: var(--radius-md);
    font-weight: 700;
    color: var(--primary-color);
    font-size: 1.25rem;
    text-align: center;
}

.calculator-result {
    display: flex;
    align-items: center;
}

.result-card {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    width: 100%;
    color: white;
}

.result-card h3 {
    color: white;
    margin-bottom: 1.5rem;
    font-size: 1.5rem;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
    padding-bottom: 1rem;
}

.result-item span {
    opacity: 0.9;
}

.result-item strong {
    font-size: 1.25rem;
}

.result-divider {
    height: 2px;
    background: rgba(255, 255, 255, 0.2);
    margin: 1.5rem 0;
}

.result-item.total {
    margin-top: 1rem;
    padding-top: 1rem;
}

.result-item.total strong {
    font-size: 1.75rem;
}

.result-note {
    display: flex;
    gap: 0.5rem;
    align-items: flex-start;
    margin-top: 1.5rem;
    padding: 1rem;
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-md);
    font-size: 0.875rem;
    opacity: 0.9;
}

/* === Application Form Section === */
.application-form {
    background: var(--bg-color);
}

.form-wrapper {
    max-width: 800px;
    margin: 0 auto;
    background: white;
    padding: 3rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border-color);
}

.loan-form .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}

.loan-form .form-group {
    margin-bottom: 1.5rem;
}

.loan-form label {
    display: block;
    font-weight: 600;
    color: var(--dark-color);
    margin-bottom: 0.5rem;
}

.loan-form input,
.loan-form select,
.loan-form textarea {
    width: 100%;
    padding: 0.875rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-family: inherit;
    font-size: 1rem;
    transition: var(--transition-base);
}

.loan-form input:focus,
.loan-form select:focus,
.loan-form textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.1);
}

.loan-form textarea {
    resize: vertical;
    min-height: 100px;
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.checkbox-group input[type="checkbox"] {
    width: auto;
    margin-top: 0.25rem;
    cursor: pointer;
}

.checkbox-group label {
    margin-bottom: 0;
    font-weight: 400;
    cursor: pointer;
}

.checkbox-group a {
    color: var(--primary-color);
    text-decoration: underline;
}

.form-note {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    margin-top: 1rem;
    color: var(--text-light);
    font-size: 0.875rem;
}

.form-note i {
    color: var(--primary-color);
}

/* === Testimonials Section === */
.testimonials {
    background: var(--bg-light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
}

.testimonial-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    transition: var(--transition-base);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.testimonial-rating {
    display: flex;
    gap: 0.25rem;
    margin-bottom: 1rem;
}

.testimonial-rating i {
    color: var(--accent-color);
    font-size: 1.125rem;
}

.testimonial-text {
    color: var(--text-color);
    line-height: 1.7;
    margin-bottom: 1.5rem;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.author-avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-light), var(--primary-color));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
}

.author-info strong {
    display: block;
    color: var(--dark-color);
    font-size: 1rem;
}

.author-info span {
    display: block;
    color: var(--text-light);
    font-size: 0.875rem;
}

/* === Contact Section === */
.contact {
    background: var(--bg-color);
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.contact-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: var(--transition-base);
    border: 2px solid transparent;
}

.contact-card:hover {
    border-color: var(--primary-color);
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.contact-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-light), var(--primary-color));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.contact-icon i {
    font-size: 2.5rem;
    color: white;
}

.contact-card h3 {
    margin-bottom: 0.5rem;
}

.contact-card p {
    color: var(--text-light);
    margin-bottom: 1rem;
}

.contact-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--primary-color);
    font-weight: 600;
    font-size: 1.125rem;
}

.contact-link:hover {
    text-decoration: underline;
}

/* === Footer === */
.footer {
    background: var(--dark-color);
    color: white;
    padding: 3rem 0 1rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.footer-logo i {
    color: var(--primary-color);
    font-size: 1.75rem;
}

.footer-logo strong {
    color: var(--primary-color);
}

.footer-description {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    margin-bottom: 1.5rem;
}

.footer-social {
    display: flex;
    gap: 1rem;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-base);
}

.footer-social a:hover {
    background: var(--primary-color);
    transform: translateY(-3px);
}

.footer-column h4 {
    color: white;
    margin-bottom: 1.5rem;
    font-size: 1.125rem;
}

.footer-column ul {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-column ul li a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition-base);
}

.footer-column ul li a:hover {
    color: var(--primary-color);
    padding-left: 0.5rem;
}

.footer-contact li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: rgba(255, 255, 255, 0.7);
}

.footer-contact i {
    color: var(--primary-color);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 2rem;
    text-align: center;
}

.footer-legal p {
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 0.5rem;
}

.footer-disclaimer {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    color: var(--primary-color) !important;
    font-weight: 600;
}

/* === Floating Elements === */
.scroll-to-top {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 50px;
    height: 50px;
    background: var(--primary-color);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition-base);
    z-index: 999;
}

.scroll-to-top.show {
    opacity: 1;
    visibility: visible;
}

.scroll-to-top:hover {
    background: var(--primary-dark);
    transform: translateY(-5px);
}

.whatsapp-float {
    position: fixed;
    bottom: 2rem;
    left: 2rem;
    width: 60px;
    height: 60px;
    background: #25D366;
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    box-shadow: var(--shadow-xl);
    z-index: 999;
    animation: pulse 2s ease-in-out infinite;
}

.whatsapp-float:hover {
    transform: scale(1.1);
}

@keyframes pulse {
    0%, 100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
    }
    50% {
        box-shadow: 0 0 0 20px rgba(37, 211, 102, 0);
    }
}

/* === Responsive Design === */
@media (max-width: 1024px) {
    .hero-content,
    .requirements-wrapper,
    .calculator-wrapper {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .hero-image {
        order: -1;
        min-height: 300px;
    }
    
    .hero-illustration {
        width: 250px;
        height: 250px;
    }
    
    .steps-container {
        flex-direction: column;
    }
    
    .step-connector {
        width: 2px;
        height: 50px;
        margin: 1rem auto;
    }
    
    .step-connector::after {
        content: '↓';
        right: 50%;
        top: auto;
        bottom: -15px;
        transform: translateX(50%);
    }
}

@media (max-width: 768px) {
    .nav-menu {
        position: fixed;
        top: 70px;
        left: 0;
        right: 0;
        background: white;
        flex-direction: column;
        align-items: flex-start;
        padding: 2rem;
        box-shadow: var(--shadow-lg);
        transform: translateX(-100%);
        transition: var(--transition-base);
    }
    
    .nav-menu.active {
        transform: translateX(0);
    }
    
    .nav-toggle {
        display: flex;
    }
    
    .nav-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(8px, 8px);
    }
    
    .nav-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .nav-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(6px, -6px);
    }
    
    .hero {
        padding: 6rem 0 3rem;
    }
    
    .hero-buttons {
        flex-direction: column;
    }
    
    .hero-buttons .btn {
        width: 100%;
    }
    
    .loan-form .form-row {
        grid-template-columns: 1fr;
    }
    
    .form-wrapper {
        padding: 2rem 1.5rem;
    }
    
    .features-grid,
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    
    .whatsapp-float {
        bottom: 1rem;
        left: 1rem;
        width: 50px;
        height: 50px;
        font-size: 1.5rem;
    }
    
    .scroll-to-top {
        bottom: 1rem;
        right: 1rem;
        width: 45px;
        height: 45px;
    }
}

@media (max-width: 480px) {
    html {
        font-size: 14px;
    }
    
    .container {
        padding: 0 1rem;
    }
    
    section {
        padding: 2rem 0;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 1rem;
    }
    
    .floating-card {
        padding: 0.75rem 1rem;
    }
    
    .card-1,
    .card-2 {
        position: static;
        margin: 1rem auto;
    }
}