/* ============================================
   LOGIC ADVANCE GROUP - Main Stylesheet
   Brand Book Color Palette:
   - Twilight (darkest): var(--twilight)
   - Navy:               var(--navy)
   - Ocean:              var(--ocean)
   - Blue:               var(--blue)
   - Teal:               var(--teal)
   - Sky:                var(--sky)
   - Myst:               var(--myst)
   - Breezy (light bg):  var(--breezy)
   - White:              #FFFFFF
   - Black:              #000000
   Fonts: Poppins (primary), system-ui fallback
   ============================================ */

:root {
  --twilight: #07253D;
  --navy:     #194882;
  --ocean:    #005994;
  --blue:     #1B75BB;
  --teal:     #3D97D3;
  --sky:      #5FB8E8;
  --myst:     #D5E9F8;
  --breezy:   #F2F9FD;
  --white:    #FFFFFF;
  --text:     #07253D;
  --text-mid: #194882;
  --text-light: #5a7a9a;
}

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Poppins', 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--twilight);
  background: #ffffff;
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; transition: all .3s ease; }
ul, ol { list-style: none; }
img { max-width: 100%; height: auto; display: block; }
button, input, select, textarea { font-family: inherit; font-size: inherit; border: none; outline: none; }
h1, h2, h3, h4, h5, h6 { line-height: 1.2; font-weight: 700; }

/* === UTILITY === */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.text-center { text-align: center; }
.text-white { color: #fff; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }
.mb-5 { margin-bottom: 48px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }

/* === ANIMATED BACKGROUND SHAPES (teal, not baby blue) === */
.bg-elements {
  position: absolute; top: 0; left: 0; width: 100%; height: 100%;
  pointer-events: none; overflow: hidden; z-index: 0;
}
.bg-shape {
  position: absolute; border-radius: 50%; opacity: 0.35;
  animation: floatShape 20s ease-in-out infinite;
}
.bg-shape-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #a8d8f0 0%, #5DB9E8 60%, transparent 100%);
  top: -150px; right: -150px;
}
.bg-shape-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, #b8dff5 0%, #3897D3 60%, transparent 100%);
  bottom: -100px; left: -120px;
  animation-delay: -7s;
}
.bg-shape-3 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, #c5e8f8 0%, #0E76BC 60%, transparent 100%);
  top: 40%; left: 60%;
  animation-delay: -14s;
}
/* bg-shapes are allowed in logo-anim-bg sections */
@keyframes floatShape {
  0%, 100% { transform: translate(0, 0) rotate(0deg) scale(1); }
  25% { transform: translate(30px, -20px) rotate(5deg) scale(1.05); }
  50% { transform: translate(-20px, 30px) rotate(-3deg) scale(0.95); }
  75% { transform: translate(20px, 20px) rotate(3deg) scale(1.02); }
}

/* === BUTTONS === */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 32px; border-radius: 50px; font-weight: 600;
  font-size: 0.95rem; cursor: pointer; transition: all 0.4s cubic-bezier(.25,.8,.25,1);
  position: relative; overflow: hidden; gap: 8px;
}
.btn::after {
  content: ''; position: absolute; top: 50%; left: 50%;
  width: 0; height: 0; border-radius: 50%;
  background: rgba(255,255,255,0.15);
  transition: all 0.6s ease; transform: translate(-50%, -50%);
}
.btn:hover::after { width: 300px; height: 300px; }

.btn-primary {
  background: linear-gradient(135deg, var(--navy), var(--navy));
  color: #fff; border: none;
  box-shadow: 0 4px 15px rgba(19,58,106,0.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(19,58,106,0.4);
  background: linear-gradient(135deg, var(--navy), var(--teal));
}
.btn-secondary {
  background: linear-gradient(135deg, var(--teal), #0693e3);
  color: #fff; border: none;
  box-shadow: 0 4px 15px rgba(61,151,211,0.3);
}
.btn-secondary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(61,151,211,0.4);
}
.btn-outline {
  background: transparent;
  border: 2px solid var(--navy); color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy); color: #fff;
  transform: translateY(-2px);
}
.btn-outline-white {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.5); color: #fff;
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: #fff;
  transform: translateY(-2px);
}
.btn-teal {
  background: linear-gradient(135deg, #0097B2, #0693e3);
  color: #fff; border: none;
  box-shadow: 0 4px 15px rgba(0,151,178,0.25);
}
.btn-teal:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(0,151,178,0.35);
}
.btn-gold {
  background: linear-gradient(135deg, #FFD700, #FFC200);
  color: #0B2545; border: none;
  box-shadow: 0 4px 15px rgba(255,194,0,0.4);
  font-weight: 700;
}
.btn-gold:hover {
  transform: translateY(-2px);
  background: linear-gradient(135deg, #FFE033, #FFD000);
  box-shadow: 0 8px 25px rgba(255,194,0,0.55);
}
.btn-sm { padding: 10px 24px; font-size: 0.875rem; }
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }

/* === NAVBAR === */
.navbar {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
  padding: 14px 0;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  transition: all 0.3s ease;
  border-bottom: 1px solid transparent;
}
.navbar.scrolled {
  padding: 8px 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.06);
  border-bottom: 1px solid #eef2f7;
}
.navbar .container { display: flex; align-items: center; justify-content: space-between; }
.navbar-brand { display: flex; align-items: center; }
.navbar-brand img { height: 42px; }

.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  font-size: 0.9rem; font-weight: 500; color: #1a2a3a;
  position: relative; padding: 4px 0;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: linear-gradient(90deg, var(--teal), #0693e3);
  transition: width 0.3s ease;
}
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a:hover { color: var(--teal); }

.nav-dropdown { position: relative; }
.nav-dropdown-toggle { cursor: pointer; display: flex; align-items: center; gap: 4px; }
.nav-dropdown-toggle svg { width: 12px; height: 12px; transition: transform 0.3s; }
.nav-dropdown:hover .nav-dropdown-toggle svg { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute; top: 100%; left: -16px;
  background: #fff; border-radius: 12px; padding: 12px 0;
  min-width: 220px; box-shadow: 0 10px 40px rgba(0,0,0,0.1);
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: all 0.3s ease;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(4px);
}
.nav-dropdown-menu a {
  display: block; padding: 10px 20px; font-size: 0.875rem;
}
.nav-dropdown-menu a:hover { background: var(--breezy); color: var(--teal); }
.nav-dropdown-menu a::after { display: none; }

.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-actions .btn { padding: 10px 24px; font-size: 0.875rem; }

/* Mobile Nav */
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); transition: all 0.3s; border-radius: 2px; }

.mobile-menu {
  position: fixed; top: 0; left: 0; width: 100%; height: 100vh;
  background: #fff; z-index: 9999; padding: 80px 24px 24px;
  transform: translateX(100%); transition: transform 0.3s ease;
  overflow-y: auto;
}
.mobile-menu.active { transform: translateX(0); }
.mobile-menu a {
  display: block; padding: 16px 0; font-size: 1.05rem;
  border-bottom: 1px solid #eef2f7; color: var(--navy); font-weight: 500;
}
.mobile-menu .btn { width: 100%; margin-top: 12px; text-align: center; }
.mobile-close {
  position: absolute; top: 20px; right: 20px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--breezy); display: flex; align-items: center; justify-content: center;
  cursor: pointer; font-size: 1.2rem; color: var(--navy);
}

/* === HERO (white-ish with blue gradient wave) === */
.hero {
  position: relative; min-height: 100vh; display: flex; align-items: center;
  background: linear-gradient(180deg, #ffffff 0%, #e8f0fe 40%, #c5ddf5 70%, var(--teal) 100%);
  overflow: hidden; padding-top: 80px;
}
.hero-bg {
  position: absolute; top: 0; left: 0; width: 100%; height: 100%; z-index: 0;
}
.hero-bg::after {
  content: ''; position: absolute; bottom: -2px; left: 0;
  width: 100%; height: 120px;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 120"><path d="M0,80 C360,120 720,40 1440,80 L1440,120 L0,120Z" fill="%23ffffff"/></svg>') no-repeat bottom;
  background-size: cover; z-index: 2;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
}
.hero-content { }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(19,58,106,0.08); border: 1px solid rgba(19,58,106,0.15);
  border-radius: 50px; padding: 8px 16px; font-size: 0.8rem;
  color: var(--navy); font-weight: 600; margin-bottom: 24px;
}
.hero-badge-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: #0097B2; animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.5); }
}
.hero h1 {
  font-size: 3.2rem; font-weight: 800; line-height: 1.1;
  margin-bottom: 8px; color: var(--navy); letter-spacing: -1px;
}
.hero .hero-subtitle {
  font-size: 1.8rem; font-weight: 700;
  color: var(--teal); font-style: italic; margin-bottom: 16px;
}
.hero .hero-desc {
  font-size: 1.05rem; color: #444;
  margin-bottom: 32px; max-width: 480px;
}
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

/* Funding Slider Card */
.funding-slider-card {
  background: #fff;
  border: 1px solid #e0e8f0;
  border-radius: 20px; padding: 32px;
  box-shadow: 0 20px 60px rgba(19,58,106,0.12);
}
.funding-slider-card h3 {
  color: var(--navy); font-size: 1.1rem; margin-bottom: 20px; text-align: center;
}
.slider-amount {
  text-align: center; font-size: 2.5rem; font-weight: 800;
  color: var(--navy); margin-bottom: 20px;
}
input[type="range"] {
  -webkit-appearance: none; width: 100%; height: 6px;
  border-radius: 3px; background: #e0e8f0; outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px;
  border-radius: 50%; cursor: pointer;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  box-shadow: 0 2px 10px rgba(19,58,106,0.3);
  border: 3px solid #fff;
}
input[type="range"]::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%; cursor: pointer;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  box-shadow: 0 2px 10px rgba(19,58,106,0.3);
  border: 3px solid #fff;
}
.slider-labels {
  display: flex; justify-content: space-between;
  color: #888; font-size: 0.8rem; margin-bottom: 24px;
}

/* Trust Bar */
.trust-bar {
  position: relative; z-index: 3;
  background: #fff; padding: 24px 0;
  border-bottom: 1px solid #eef2f7;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap;
}
.trust-bar-inner img { height: 80px; opacity: 0.85; transition: opacity 0.3s; }
.trust-bar-inner img:hover { opacity: 1; }
.featured-logo {
  display: flex; align-items: center;
  opacity: 0.72; transition: opacity 0.3s;
  cursor: default;
}
.featured-logo:hover { opacity: 1; }
.featured-logo-forbes {
  font-family: 'Georgia', serif;
  font-size: 1.9rem;
  font-weight: 900;
  color: #0B2545;
  letter-spacing: -0.5px;
  font-style: italic;
}
.featured-logo-inc {
  font-family: 'Poppins', sans-serif;
  font-size: 2rem;
  font-weight: 900;
  color: #0B2545;
  letter-spacing: -1px;
}
.featured-logo-inc-com {
  font-family: 'Poppins', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: #e8131c;
  margin-left: 1px;
  align-self: flex-end;
  margin-bottom: 4px;
}
.featured-logo-bizmag {
  font-family: 'Poppins', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #0B2545;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  text-align: center;
  line-height: 1.3;
}
.featured-divider {
  width: 1px; height: 32px;
  background: #dde5ed;
}
.trust-bar-text {
  text-align: center; font-size: 0.85rem; color: #666; font-weight: 500;
}
.trust-ratings-row {
  display: flex; align-items: center; justify-content: center;
  gap: 32px; flex-wrap: wrap;
  margin-top: 20px; padding-top: 18px;
  border-top: 1px solid #eef2f7;
}
.trust-rating-badge {
  display: flex; align-items: center; gap: 10px;
  opacity: 0.85; transition: opacity 0.3s;
}
.trust-rating-badge:hover { opacity: 1; }
.trust-rating-icon {
  display: flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 10px;
  background: #f1f5f9; flex-shrink: 0;
}
.trust-rating-icon.tp-icon { background: #f0fdf8; }
.trust-rating-icon.bbb-icon { background: #eef2ff; }
.trust-rating-content {
  display: flex; flex-direction: column; gap: 2px;
}
.trust-rating-stars {
  display: flex; gap: 1px;
}
.star {
  color: #FBBC05; font-size: 1rem; line-height: 1;
}
.star.tp { color: #00B67A; }
.trust-rating-label {
  font-size: 0.78rem; color: #555; line-height: 1.3;
}
.trust-rating-label strong { color: #1e293b; }
.trust-rating-grade {
  font-size: 1.5rem; font-weight: 900; color: #0033A0; line-height: 1;
}
.trust-rating-plus {
  font-size: 1rem; font-weight: 900; color: #0033A0;
  vertical-align: super;
}
.trust-rating-divider {
  width: 1px; height: 40px; background: #dde5ed; flex-shrink: 0;
}

/* === SECTION HEADERS === */
.section-header { text-align: center; margin-bottom: 48px; }
.section-label {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.8rem; font-weight: 700; color: var(--teal);
  text-transform: uppercase; letter-spacing: 2px; margin-bottom: 12px;
}
.section-header h2 {
  font-size: 2.5rem; color: var(--navy); font-weight: 800; letter-spacing: -0.5px;
}
.section-header h2 span {
  color: var(--teal);
}
.section-header p {
  font-size: 1.05rem; color: #555; max-width: 640px; margin: 16px auto 0;
}

/* === FEATURE CARDS === */
.features-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.feature-card {
  background: #fff; border-radius: 16px; padding: 32px 24px;
  text-align: center; border: 1px solid #eef2f7;
  transition: all 0.4s cubic-bezier(.25,.8,.25,1);
  display: flex; flex-direction: column;
}
.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(19,58,106,0.08);
  border-color: rgba(61,151,211,0.3);
}
.feature-card-icon {
  width: 96px; height: 96px; margin: 0 auto 20px;
}
.feature-card-icon img { width: 100%; height: 100%; object-fit: contain; }
.feature-card h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; }
.feature-card p { font-size: 0.9rem; color: #666; line-height: 1.6; }

/* === FUNDING SCORE SECTION === */
.funding-score-section {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy) 100%);
}
.funding-score-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.funding-score-content { color: #fff; }
.funding-score-content h2 { font-size: 2.5rem; margin-bottom: 16px; font-weight: 800; }
.funding-score-content h2 span { color: var(--teal); }
.funding-score-content > p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 32px; }
.score-features { display: flex; flex-direction: column; gap: 20px; margin-bottom: 32px; }
.score-feature { display: flex; align-items: flex-start; gap: 16px; }
.score-feature-icon {
  min-width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: rgba(61,151,211,0.2); color: var(--teal); font-size: 1.2rem;
}
.score-feature h4 { font-size: 1rem; color: #fff; margin-bottom: 4px; }
.score-feature p { font-size: 0.875rem; color: rgba(255,255,255,0.6); }

.score-dashboard {
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 24px; padding: 40px;
}
.score-dashboard-header {
  display: flex; align-items: center; justify-content: space-between; margin-bottom: 32px;
}
.score-dashboard-header h3 { color: #fff; font-size: 1.1rem; }
.score-dashboard-badge {
  background: rgba(61,151,211,0.25); color: var(--teal);
  padding: 4px 12px; border-radius: 20px; font-size: 0.75rem; font-weight: 600;
}
.score-gauge { text-align: center; margin-bottom: 32px; }
.score-circle {
  width: 180px; height: 180px; border-radius: 50%;
  background: conic-gradient(var(--teal) 0deg, #0693e3 200deg, rgba(255,255,255,0.1) 200deg);
  display: flex; align-items: center; justify-content: center; margin: 0 auto;
}
.score-circle-inner {
  width: 140px; height: 140px; border-radius: 50%;
  background: var(--navy); display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.score-number { font-size: 2.5rem; font-weight: 800; color: var(--teal); }
.score-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); }
.score-bars { display: flex; flex-direction: column; gap: 16px; }
.score-bar-label {
  display: flex; justify-content: space-between; margin-bottom: 6px;
  font-size: 0.8rem; color: rgba(255,255,255,0.7);
}
.score-bar { height: 8px; border-radius: 4px; background: rgba(255,255,255,0.1); overflow: hidden; }
.score-bar-fill { height: 100%; border-radius: 4px; transition: width 1.5s cubic-bezier(.25,.8,.25,1); }
.score-bar-fill.excellent { background: linear-gradient(90deg, var(--teal), #0693e3); }
.score-bar-fill.good { background: linear-gradient(90deg, #0097B2, var(--teal)); }
.score-bar-fill.fair { background: linear-gradient(90deg, var(--navy), var(--teal)); }

/* === HOW IT WORKS === */
.steps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; position: relative;
}
.steps-grid::before {
  content: ''; position: absolute; top: 50px; left: 15%; right: 15%;
  height: 2px; background: linear-gradient(90deg, #5FB8E8, #3D97D3, #5FB8E8); z-index: 0; opacity:0.3;
}
.step-card {
  text-align: center; position: relative; z-index: 1;
  background: #fff;
  border-radius: 20px; padding: 40px 24px;
  border: 1px solid #e8f0fa; transition: all 0.4s ease;
  box-shadow: 0 8px 32px rgba(7,37,61,0.08);
}
.step-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(7,37,61,0.14);
  border-color: #3D97D3;
}
.step-number {
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, #3D97D3, #1B75BB);
  color: #fff; font-size: 1.2rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px; box-shadow: 0 4px 16px rgba(61,151,211,0.4);
}
.step-card h3 { font-size: 1.1rem; color: #07253D; margin-bottom: 10px; font-weight: 700; }
.step-card p { font-size: 0.9rem; color: #5a7a9a; }

/* === PRODUCT CARDS === */
.products-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
/* Center last row when fewer than 3 cards remain */
.products-grid .product-card:nth-child(4) {
  grid-column: 1;
}
.products-grid .product-card:nth-child(5) {
  grid-column: 2;
}
.product-card {
  background: #fff;
  border-radius: 20px; padding: 32px;
  border: 1px solid #e8f0fa; transition: all 0.4s ease;
  box-shadow: 0 8px 32px rgba(7,37,61,0.07);
  position: relative; overflow: hidden;
  display: flex; flex-direction: column;
}
.product-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, #3D97D3, #5FB8E8);
}
.product-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 64px rgba(7,37,61,0.13);
  border-color: #3D97D3;
}
.product-card-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  background: #EBF5FB; color: #3D97D3; font-size: 1.5rem; margin-bottom: 16px;
  border: 1px solid #d0e8f5;
}
.product-card h3 { font-size: 1.15rem; color: #07253D; margin-bottom: 8px; font-weight: 700; }
.product-card .product-desc { font-size: 0.9rem; color: #5a7a9a; margin-bottom: 16px; }
.product-features { margin-bottom: 20px; flex-grow: 1; }
.product-features li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 0.875rem; color: #444; padding: 6px 0;
}
.product-features li svg { min-width: 18px; color: #5FB8E8; margin-top: 2px; }
.product-card .btn { width: 100%; margin-top: auto; }

/* === INDUSTRIES === */
.industries-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.industry-card {
  background: #fff;
  border-radius: 16px; padding: 28px 20px;
  text-align: center; border: 1px solid #e8f0fa; transition: all 0.4s ease;
  box-shadow: 0 4px 20px rgba(7,37,61,0.07);
}
.industry-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 16px 48px rgba(7,37,61,0.13);
  border-color: #3D97D3;
}
.industry-icon {
  width: 64px; height: 64px; margin: 0 auto 14px;
  display: flex; align-items: center; justify-content: center;
  background: #EBF5FB; border-radius: 16px;
  border: 1px solid #d0e8f5;
}
.industry-icon img { width: 36px; height: 36px; object-fit: contain; filter: none; }
.industry-card h4 { font-size: 0.95rem; color: #07253D; margin-bottom: 6px; font-weight: 700; }
.industry-card p { font-size: 0.8rem; color: #5a7a9a; line-height: 1.5; }

/* === REVIEWS === */
.reviews-section { background: #f7fafd; position: relative; overflow: hidden; }
.reviews-slider { overflow: hidden; width: 100%; }
.reviews-track {
  display: flex; gap: 24px;
  animation: scrollReviews 50s linear infinite;
  will-change: transform;
}
@keyframes scrollReviews {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.review-card {
  min-width: 380px; max-width: 380px; background: #fff; border-radius: 20px;
  padding: 32px; border: 1px solid #eef2f7; flex-shrink: 0;
  box-sizing: border-box;
  box-shadow: 0 4px 20px rgba(7,37,61,0.07);
}
.review-stars { color: #f5a623; font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 2px; }
.review-text { font-size: 0.9rem; color: #444; line-height: 1.7; margin-bottom: 20px; word-wrap: break-word; overflow-wrap: break-word; }
.review-author { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.review-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, #07253D, #3D97D3);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem; flex-shrink: 0;
}
.review-name { font-weight: 600; color: #07253D; font-size: 0.9rem; }
.review-role { font-size: 0.8rem; color: #888; }
.review-source { margin-left: auto; }
.review-source img { height: 44px; width: auto; display: block; }
.review-badges {
  display: flex; align-items: center; justify-content: center; gap: 32px; margin-top: 48px;
}
.review-badge {
  display: flex; align-items: center; gap: 20px;
  background: #fff;
  border-radius: 16px; padding: 24px 40px;
  border: 1px solid #eef2f7;
  box-shadow: 0 4px 24px rgba(7,37,61,0.08);
}
.review-badge img { height: 60px; width: auto; display: block; }
.review-badge-stars { color: #f5a623; font-size: 1.25rem; letter-spacing: 2px; }
.review-badge-count { font-size: 0.95rem; color: #333; font-weight: 700; }

/* === CTA === */
.cta-section {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #07253D 0%, #194882 50%, #07253D 100%);
  text-align: center;
}

/* Two-column CTA layout: logo animation on left, text on right */
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 60px;
}
.cta-logo-wrap {
  flex: 0 0 260px;
  width: 260px;
  height: 260px;
  display: flex;
  align-items: center;
  justify-content: center;
}
#logoAnimCanvas {
  width: 260px;
  height: 260px;
  display: block;
}
.cta-text-wrap {
  flex: 1;
  max-width: 560px;
  text-align: left;
}
.cta-text-wrap p {
  margin-left: 0;
  margin-right: 0;
}

.cta-section h2 { font-size: 2.5rem; color: #fff; font-weight: 800; margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.7); font-size: 1.1rem; margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-note { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-top: 16px; }

@media (max-width: 768px) {
  .cta-inner { flex-direction: column; gap: 32px; }
  .cta-logo-wrap { width: 200px; height: 200px; flex: 0 0 200px; }
  #logoAnimCanvas { width: 200px; height: 200px; }
  .cta-text-wrap { text-align: center; }
  .cta-text-wrap p { margin-left: auto; margin-right: auto; }
}

/* === ANIMATED SECTION DECORATIONS === */
.anim-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
  filter: blur(80px);
  opacity: 0.07;
  animation: orbFloat 12s ease-in-out infinite;
}
.anim-orb-1 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, #3D97D3, transparent 70%);
  top: -120px; left: -100px;
  animation-duration: 14s;
}
.anim-orb-2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, #5FB8E8, transparent 70%);
  bottom: -80px; right: -80px;
  animation-duration: 10s;
  animation-delay: -4s;
}
.anim-orb-3 {
  width: 350px; height: 350px;
  background: radial-gradient(circle, #1B75BB, transparent 70%);
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  animation-duration: 16s;
  animation-delay: -7s;
  opacity: 0.06;
}
.anim-orb-4 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, #5FB8E8, transparent 70%);
  top: 30%; right: 5%;
  animation-duration: 11s;
  animation-delay: -2s;
}
@keyframes orbFloat {
  0%, 100% { transform: translateY(0) scale(1); }
  33%       { transform: translateY(-30px) scale(1.05); }
  66%       { transform: translateY(20px) scale(0.97); }
}
.anim-orb-3 {
  animation: orbFloat3 16s ease-in-out infinite;
}
@keyframes orbFloat3 {
  0%, 100% { transform: translate(-50%, -50%) scale(1); }
  50%       { transform: translate(-50%, -60%) scale(1.1); }
}

/* Animated dot grid */
.anim-dots {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background-image: radial-gradient(circle, rgba(95,184,232,0.12) 1px, transparent 1px);
  background-size: 40px 40px;
  animation: dotsDrift 20s linear infinite;
  opacity: 0.6;
}
@keyframes dotsDrift {
  0%   { background-position: 0 0; }
  100% { background-position: 40px 40px; }
}

/* Step number pulse glow */
.step-number {
  animation: stepPulse 3s ease-in-out infinite;
}
@keyframes stepPulse {
  0%, 100% { box-shadow: 0 4px 16px rgba(61,151,211,0.4); }
  50%       { box-shadow: 0 4px 32px rgba(95,184,232,0.7), 0 0 0 8px rgba(95,184,232,0.1); }
}

/* Card entrance animation */
.step-card, .product-card, .industry-card {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease, box-shadow 0.4s ease, border-color 0.4s ease;
}
.step-card.in-view, .product-card.in-view, .industry-card.in-view {
  opacity: 1;
  transform: translateY(0);
}

/* Glowing top accent line on step cards */
.step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 20%; right: 20%;
  height: 2px;
  background: linear-gradient(90deg, transparent, #3D97D3, #5FB8E8, transparent);
  border-radius: 2px;
  opacity: 0;
  transition: opacity 0.4s ease;
}
.step-card:hover::before { opacity: 1; }

/* Glowing card hover for industry cards */
.industry-card {
  transition: opacity 0.6s ease, transform 0.6s ease, box-shadow 0.4s ease, border-color 0.4s ease !important;
}
.industry-card:hover {
  box-shadow: 0 12px 40px rgba(61,151,211,0.25) !important;
  border-color: rgba(95,184,232,0.5) !important;
}

/* Shimmer line sweep on product cards */
.product-card {
  overflow: hidden;
}
.product-card::after {
  content: '';
  position: absolute;
  top: 0; left: -100%; width: 60%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(95,184,232,0.06), transparent);
  transition: left 0.7s ease;
}
.product-card:hover::after { left: 150%; }

/* === FOOTER === */
.footer { background: #0d2137; color: rgba(255,255,255,0.7); padding: 60px 0 20px; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px;
}
.footer-brand img { height: 36px; margin-bottom: 16px; filter: brightness(0) invert(1); }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; margin-bottom: 16px; }
.footer-contact-item {
  display: flex; align-items: center; gap: 10px; margin: 10px 0; font-size: 0.875rem;
}
.footer-contact-item svg { color: var(--teal); min-width: 18px; }
.footer h4 { color: #fff; font-size: 1rem; margin-bottom: 20px; font-weight: 700; }
.footer-links a {
  display: block; padding: 6px 0; font-size: 0.875rem; color: rgba(255,255,255,0.6);
}
.footer-links a:hover { color: var(--teal); }
.footer-social { display: flex; gap: 12px; margin-top: 16px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 10px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6); transition: all 0.3s;
}
.footer-social a:hover { background: var(--teal); color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px;
  display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--teal); }

/* === PARTNER PAGE === */
.partner-hero {
  position: relative; min-height: 70vh; display: flex; align-items: center;
  background: linear-gradient(135deg, var(--navy), var(--navy));
  overflow: hidden; padding-top: 80px;
}
.partner-hero::after {
  content: ''; position: absolute; bottom: -2px; left: 0;
  width: 100%; height: 100px;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 100"><path d="M0,60 C360,100 720,20 1440,60 L1440,100 L0,100Z" fill="%23ffffff"/></svg>') no-repeat bottom;
  background-size: cover; z-index: 2;
}
.partner-benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.partner-benefit-card {
  background: #fff; border-radius: 20px; padding: 36px 28px;
  text-align: center; border: 1px solid #eef2f7; transition: all 0.4s ease;
  display: flex; flex-direction: column;
}
.partner-benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(19,58,106,0.08);
}
.partner-stat {
  font-size: 2.5rem; font-weight: 800; color: var(--navy);
}
.submission-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.submission-item {
  background: #fff; border-radius: 12px; padding: 20px;
  border: 1px solid #eef2f7; display: flex; align-items: flex-start; gap: 12px;
}
.submission-icon {
  min-width: 40px; height: 40px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  background: var(--breezy); color: var(--teal);
}
.submission-item h4 { font-size: 0.95rem; color: var(--navy); margin-bottom: 4px; }
.submission-item p { font-size: 0.8rem; color: #666; }

/* === APPLY PAGE === */
.apply-hero {
  min-height: 100vh; display: flex; align-items: center;
  background: linear-gradient(180deg, #ffffff 0%, #e8f0fe 50%, #c5ddf5 100%);
  padding-top: 80px;
}
.apply-container { max-width: 680px; margin: 0 auto; }
.apply-progress { display: flex; align-items: center; justify-content: center; gap: 0; margin-bottom: 40px; }
.apply-step-indicator { display: flex; align-items: center; gap: 0; }
.apply-step-dot {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem; transition: all 0.3s;
  background: #e0e8f0; color: #999; flex-shrink: 0;
}
.apply-step-dot.active {
  background: linear-gradient(135deg, var(--navy), var(--teal)); color: #fff;
}
.apply-step-dot.completed { background: #0097B2; color: #fff; }
.apply-step-line { width: 60px; height: 2px; background: #e0e8f0; flex-shrink: 0; }
.apply-step-line.active { background: #0097B2; }

.apply-form-card {
  background: #fff;
  border: 1px solid #e0e8f0;
  border-radius: 24px; padding: 40px;
  box-shadow: 0 20px 60px rgba(19,58,106,0.1);
}
.apply-form-card h2 { color: var(--navy); font-size: 1.5rem; margin-bottom: 8px; text-align: center; }
.apply-form-card .form-subtitle {
  color: #777; text-align: center; margin-bottom: 32px; font-size: 0.9rem;
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block; color: var(--navy); font-size: 0.85rem; font-weight: 600; margin-bottom: 8px;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 14px 18px; border-radius: 12px;
  background: var(--breezy); border: 1px solid #dde5ed; color: #1a2a3a; font-size: 0.95rem;
  transition: all 0.3s;
}
.form-group input::placeholder, .form-group textarea::placeholder { color: #aaa; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--teal); background: #fff;
  box-shadow: 0 0 0 3px rgba(61,151,211,0.1);
}
.form-group select { cursor: pointer; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-buttons { display: flex; gap: 12px; margin-top: 24px; }
.form-buttons .btn { flex: 1; }
.form-disclaimer { margin-top: 16px; }

.amount-options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 20px; }
.amount-option {
  padding: 12px; border-radius: 12px; text-align: center;
  background: var(--breezy); border: 2px solid #e0e8f0;
  color: #444; cursor: pointer; font-weight: 600; font-size: 0.9rem;
  transition: all 0.3s;
}
.amount-option:hover, .amount-option.selected {
  background: rgba(61,151,211,0.08); border-color: var(--teal); color: var(--navy);
}

/* Amount Slider */
.amount-slider-wrap { margin-bottom: 20px; }
.amount-display {
  font-size: 2.4rem; font-weight: 800; color: #0E76BC;
  text-align: center; margin-bottom: 4px; letter-spacing: -1px;
}
.amount-presets {
  display: flex; gap: 8px; margin-top: 14px; flex-wrap: wrap;
}
.amount-presets .amount-option {
  flex: 1; padding: 8px 6px; font-size: 0.82rem; min-width: 52px;
}

/* === PAGE HERO (inner pages) === */
.page-hero {
  position: relative; padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--navy), var(--navy));
  overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; bottom: -2px; left: 0;
  width: 100%; height: 80px;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 80"><path d="M0,40 C360,80 720,0 1440,40 L1440,80 L0,80Z" fill="%23ffffff"/></svg>') no-repeat bottom;
  background-size: cover; z-index: 2;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { font-size: 2.8rem; color: #fff; font-weight: 800; margin-bottom: 12px; }
.page-hero p { font-size: 1.1rem; color: rgba(255,255,255,0.7); max-width: 560px; }

/* === ABOUT / CEO === */
.about-ceo { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: center; }
.ceo-image { border-radius: 24px; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,0.12); background: linear-gradient(135deg,#e8f4fd,#f0f8ff); position: relative; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; padding: 0; }
.ceo-image img:first-child { width: 100%; height: auto; display: block; border-radius: 24px; object-fit: cover; filter: none; }
.ceo-sig { width: 60%; margin: 16px auto 20px; display: block; opacity: 0.75; filter: brightness(0) saturate(100%) invert(20%) sepia(40%) saturate(800%) hue-rotate(190deg); }
.ceo-content { background: rgba(255,255,255,0.92); border-radius: 20px; padding: 36px 40px; box-shadow: 0 4px 32px rgba(11,37,69,0.08); }
.ceo-content h3 { font-size: 1.1rem; color: var(--teal); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.ceo-content h2 { font-size: 2rem; color: var(--navy); margin-bottom: 20px; }
.ceo-content p { font-size: 0.95rem; color: #333; line-height: 1.8; margin-bottom: 16px; }

/* === TWO STEP GRID === */
.two-step-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 48px; }
.two-step-card { background: #fff; border-radius: 20px; padding: 36px 32px; box-shadow: 0 8px 32px rgba(0,0,0,0.07); position: relative; border: 2px solid #e8f0fa; }
.two-step-card--highlight { border-color: #C9A84C; background: linear-gradient(135deg, #fffdf5 0%, #fff9e8 100%); }
.two-step-badge { display: inline-block; background: var(--navy); color: #fff; font-size: 0.75rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 4px 14px; border-radius: 20px; margin-bottom: 16px; }
.two-step-badge--gold { background: #C9A84C; }
.two-step-card h3 { font-size: 1.3rem; color: var(--navy); font-weight: 800; margin-bottom: 8px; }
.two-step-card p { font-size: 0.9rem; color: #666; margin-bottom: 0; }
@media (max-width: 768px) { .two-step-grid { grid-template-columns: 1fr; } }

/* === OFFICE BACKGROUND ROTATOR === */
.office-bg-rotator { position: absolute; inset: 0; z-index: 0; }
.office-bg-slide { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0; transition: opacity 1.2s ease-in-out; }
.office-bg-slide.active { opacity: 0.35; }
.office-bg-overlay { position: absolute; inset: 0; z-index: 1; background: rgba(255,255,255,0.72); }

/* === CONTACT === */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-info-cards { display: flex; flex-direction: column; gap: 20px; }
.contact-card {
  background: #fff; border-radius: 16px; padding: 24px;
  border: 1px solid #eef2f7; display: flex; align-items: center; gap: 16px;
  transition: all 0.3s;
}
.contact-card:hover { transform: translateY(-4px); box-shadow: 0 10px 30px rgba(0,0,0,0.06); }
.contact-card-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  background: var(--breezy); color: var(--teal); font-size: 1.4rem;
}
.contact-card h4 { font-size: 0.95rem; color: var(--navy); }
.contact-card p { font-size: 0.875rem; color: #666; }
.contact-form {
  background: #fff; border-radius: 20px; padding: 36px;
  border: 1px solid #eef2f7; box-shadow: 0 10px 40px rgba(0,0,0,0.04);
}

/* === FINANCING SOLUTIONS === */
.solution-detail { display: grid; grid-template-columns: 280px 1fr; gap: 40px; align-items: start; }
.solution-sidebar {
  background: #fff; border-radius: 20px; padding: 24px;
  border: 1px solid #eef2f7; position: sticky; top: 100px;
}
.solution-nav a {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 16px; border-radius: 10px;
  font-size: 0.9rem; color: #444; font-weight: 500; transition: all 0.3s;
}
.solution-nav a:hover, .solution-nav a.active {
  background: var(--breezy); color: var(--teal);
}
.solution-nav a.active { font-weight: 700; }
.solution-help {
  margin-top: 24px; padding-top: 24px; border-top: 1px solid #eef2f7; text-align: center;
}
.solution-help h4 { font-size: 1rem; color: var(--navy); margin-bottom: 8px; }
.solution-help p { font-size: 0.8rem; color: #666; margin-bottom: 16px; }

.solution-card {
  background: #fff; border-radius: 20px; padding: 40px;
  border: 1px solid #eef2f7; margin-bottom: 24px;
}
.solution-card h2 { font-size: 1.8rem; color: var(--navy); margin-bottom: 16px; }
.solution-card > p { font-size: 0.95rem; color: #555; line-height: 1.8; margin-bottom: 20px; }
.solution-requirements { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 24px 0; }
.req-item { background: var(--breezy); border-radius: 12px; padding: 16px; text-align: center; }
.req-label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 1px; }
.req-value { font-size: 1.3rem; font-weight: 800; color: var(--navy); margin-top: 4px; }
.solution-bullets li {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 0; font-size: 0.95rem; color: #444;
}
.solution-bullets li svg { min-width: 20px; color: #0097B2; }
.key-features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 24px 0; }
.key-feature-item {
  background: var(--breezy); border-radius: 12px; padding: 20px; text-align: center;
  border: 1px solid #eef2f7;
}
.key-feature-item svg { color: var(--teal); margin-bottom: 8px; }
.key-feature-item h4 { font-size: 0.9rem; color: var(--navy); margin-bottom: 4px; }
.key-feature-item p { font-size: 0.8rem; color: #666; }

/* === CAREERS === */
.careers-content { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }

/* === GUIDELINES === */
.guidelines-content {
  background: #fff; border-radius: 20px; padding: 48px;
  border: 1px solid #eef2f7; box-shadow: 0 10px 40px rgba(0,0,0,0.04);
}
.guidelines-content h2 { font-size: 1.5rem; color: var(--navy); margin: 32px 0 16px; padding-bottom: 8px; border-bottom: 2px solid var(--teal); }
.guidelines-content h3 { font-size: 1.15rem; color: var(--navy); margin: 24px 0 12px; }
.guidelines-content p { font-size: 0.95rem; color: #555; margin-bottom: 12px; line-height: 1.7; }
.guidelines-content ul { padding-left: 20px; margin-bottom: 16px; }
.guidelines-content ul li { list-style: disc; font-size: 0.9rem; color: #555; padding: 4px 0; line-height: 1.6; }
.guidelines-content table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.guidelines-content th, .guidelines-content td { padding: 12px 16px; text-align: left; border-bottom: 1px solid #eef2f7; font-size: 0.9rem; }
.guidelines-content th { background: var(--breezy); color: var(--navy); font-weight: 700; }

/* === TIER CARDS === */
.tier-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin: 28px 0;
}
.tier-card {
  border-radius: 16px;
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
  border: 1.5px solid transparent;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  opacity: 0;
  transform: translateY(24px);
  animation: tierFadeUp 0.5s ease-out forwards;
}
.tier-card:nth-child(1) { animation-delay: 0.1s; }
.tier-card:nth-child(2) { animation-delay: 0.25s; }
.tier-card:nth-child(3) { animation-delay: 0.4s; }
.tier-card:nth-child(4) { animation-delay: 0.55s; }
@keyframes tierFadeUp {
  to { opacity: 1; transform: translateY(0); }
}
.tier-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.12);
}
.tier-card.tier-elite {
  background: linear-gradient(135deg, #0B2545 0%, #134883 100%);
  border-color: #3897D3;
  color: #fff;
}
.tier-card.tier-premium {
  background: linear-gradient(135deg, #0E76BC 0%, #1a8fd1 100%);
  border-color: #5DB9E8;
  color: #fff;
}
.tier-card.tier-standard {
  background: #F0F7FC;
  border-color: #c5dff0;
  color: #0B2545;
}
.tier-card.tier-highrisk {
  background: #FFF8F0;
  border-color: #f0c080;
  color: #0B2545;
}
.tier-card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.tier-badge {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 30px;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.tier-elite .tier-badge { background: #FFD700; color: #0B2545; }
.tier-premium .tier-badge { background: rgba(255,255,255,0.25); color: #fff; border: 1px solid rgba(255,255,255,0.5); }
.tier-standard .tier-badge { background: #0E76BC; color: #fff; }
.tier-highrisk .tier-badge { background: #f0a030; color: #fff; }
.tier-card h3 {
  font-size: 1.2rem;
  font-weight: 800;
  margin: 0;
  flex: 1;
}
.tier-elite h3, .tier-premium h3 { color: #fff; }
.tier-standard h3, .tier-highrisk h3 { color: #0B2545; }
.tier-card p {
  font-size: 0.88rem;
  line-height: 1.65;
  margin: 0;
}
.tier-elite p, .tier-premium p { color: rgba(255,255,255,0.88); }
.tier-standard p { color: #334155; }
.tier-highrisk p { color: #4a3020; }
.tier-card-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.tier-elite .tier-card-icon { background: rgba(255,215,0,0.2); }
.tier-premium .tier-card-icon { background: rgba(255,255,255,0.15); }
.tier-standard .tier-card-icon { background: #dbeafe; }
.tier-highrisk .tier-card-icon { background: #fde68a; }
@media (max-width: 640px) {
  .tier-cards-grid { grid-template-columns: 1fr; }
}

/* === LEGAL PAGES === */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.4rem; color: var(--navy); margin: 28px 0 12px; }
.legal-content p { font-size: 0.9rem; color: #555; line-height: 1.8; margin-bottom: 12px; }
.legal-content ul { padding-left: 20px; margin-bottom: 16px; }
.legal-content ul li { list-style: disc; font-size: 0.9rem; color: #555; padding: 3px 0; line-height: 1.7; }

/* ===== BLOG ===== */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:40px;}
.blog-card{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,0.06);transition:transform 0.3s,box-shadow 0.3s;display:flex;flex-direction:column;}
.blog-card:hover{transform:translateY(-6px);box-shadow:0 12px 40px rgba(0,0,0,0.12);}
.blog-card-img{width:100%;height:220px;object-fit:cover;display:block;}
.blog-card-body{padding:24px;flex-grow:1;display:flex;flex-direction:column;}
.blog-card-tag{display:inline-block;padding:4px 12px;border-radius:20px;font-size:0.7rem;font-weight:600;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:12px;}
.blog-card-tag.iso{background:#E8F8F5;color:#0097B2;}
.blog-card-tag.industry{background:#EBF0F7;color:var(--navy);}
.blog-card-tag.guide{background:#FFF8E7;color:#B8922F;}
.blog-card-tag.ebook{background:#F0E6F6;color:#7B2D8E;}
.blog-card-title{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.4;}
.blog-card-title a{color:inherit;text-decoration:none;}
.blog-card-title a:hover{color:var(--teal);}
.blog-card-excerpt{font-size:0.85rem;color:#666;line-height:1.6;margin-bottom:16px;}
.blog-card-meta{display:flex;justify-content:space-between;align-items:center;font-size:0.75rem;color:#999;margin-top:auto;}
.blog-card-read{color:var(--teal);font-weight:600;text-decoration:none;font-size:0.85rem;}
.blog-card-read:hover{color:var(--navy);}
.blog-featured{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center;margin-bottom:60px;padding:40px;background:linear-gradient(135deg,#f8fbff,#eef4fb);border-radius:20px;}
.blog-featured-img{width:100%;border-radius:12px;box-shadow:0 8px 32px rgba(0,0,0,0.1);}
.blog-featured-tag{display:inline-block;padding:6px 16px;border-radius:20px;font-size:0.75rem;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:16px;background:#0097B2;color:#fff;}
.blog-featured-title{font-size:1.8rem;font-weight:800;color:var(--navy);margin-bottom:12px;line-height:1.3;}
.blog-featured-excerpt{font-size:0.95rem;color:#555;line-height:1.7;margin-bottom:20px;}
.blog-filter{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:32px;}
.blog-filter-btn{padding:8px 20px;border-radius:24px;border:1.5px solid #ddd;background:#fff;color:#666;font-size:0.8rem;font-weight:600;cursor:pointer;transition:all 0.3s;}
.blog-filter-btn:hover,.blog-filter-btn.active{border-color:var(--navy);background:var(--navy);color:#fff;}
.ebook-banner{background:linear-gradient(135deg,var(--navy),var(--navy));border-radius:20px;padding:48px;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin:60px 0;color:#fff;position:relative;overflow:hidden;}
.ebook-banner::before{content:'';position:absolute;top:-50px;right:-50px;width:200px;height:200px;background:rgba(255,255,255,0.05);border-radius:50%;}
.ebook-banner::after{content:'';position:absolute;bottom:-80px;left:-40px;width:300px;height:300px;background:rgba(255,255,255,0.03);border-radius:50%;}
.ebook-banner-content{position:relative;z-index:1;}
.ebook-banner-content h3{font-size:1.6rem;font-weight:800;margin-bottom:12px;}
.ebook-banner-content p{font-size:0.95rem;opacity:0.85;line-height:1.7;margin-bottom:24px;}
.ebook-banner-img{position:relative;z-index:1;text-align:center;}
.ebook-banner-img img{max-width:100%;border-radius:12px;box-shadow:0 12px 40px rgba(0,0,0,0.3);}
.ebook-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;margin-top:40px;}
.ebook-card{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,0.06);display:grid;grid-template-columns:180px 1fr;transition:transform 0.3s,box-shadow 0.3s;}
.ebook-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,0.12);}
.ebook-card-img{width:100%;height:100%;object-fit:cover;}
.ebook-card-body{padding:24px;display:flex;flex-direction:column;justify-content:center;}
.ebook-card-title{font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.4;}
.ebook-card-desc{font-size:0.82rem;color:#666;line-height:1.6;margin-bottom:16px;}
.ebook-card-dl{display:inline-flex;align-items:center;gap:6px;padding:8px 20px;background:linear-gradient(135deg,#D4A843,#B8922F);color:#fff;border-radius:8px;font-size:0.8rem;font-weight:600;text-decoration:none;transition:transform 0.3s;width:fit-content;}
.ebook-card-dl:hover{transform:scale(1.05);}
.infographic-section{margin:60px 0;}
.infographic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;margin-top:32px;}
.infographic-card{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,0.06);transition:transform 0.3s,box-shadow 0.3s;}
.infographic-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,0.12);}
.infographic-card img{width:100%;display:block;}
.infographic-card-body{padding:20px;}
.infographic-card-title{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:6px;}
.infographic-card-desc{font-size:0.8rem;color:#666;}

/* Article page */
.article-container{max-width:800px;margin:0 auto;padding:0 20px;}
.article-header{margin-bottom:40px;}
.article-tag{display:inline-block;padding:6px 16px;border-radius:20px;font-size:0.75rem;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:16px;background:#0097B2;color:#fff;}
.article-title{font-size:2.2rem;font-weight:900;color:var(--navy);line-height:1.3;margin-bottom:16px;}
.article-meta{font-size:0.85rem;color:#999;margin-bottom:24px;}
.article-hero-img{width:100%;border-radius:16px;margin-bottom:40px;box-shadow:0 8px 32px rgba(0,0,0,0.1);}
.article-body{font-size:1.05rem;line-height:1.85;color:#333;}
.article-body h2{font-size:1.5rem;font-weight:800;color:var(--navy);margin:40px 0 16px;}
.article-body h3{font-size:1.2rem;font-weight:700;color:var(--navy);margin:32px 0 12px;}
.article-body p{margin-bottom:20px;}
.article-body blockquote{border-left:4px solid #0097B2;padding:16px 24px;margin:24px 0;background:#f8fbff;border-radius:0 8px 8px 0;font-style:italic;color:#555;}
.article-body ul,.article-body ol{margin:16px 0 24px 24px;}
.article-body li{margin-bottom:8px;}
.article-body .highlight-box{background:linear-gradient(135deg,#f8fbff,#eef4fb);border-radius:12px;padding:24px;margin:24px 0;border-left:4px solid var(--teal);}
.article-body .stat-callout{background:var(--navy);color:#fff;border-radius:12px;padding:32px;margin:32px 0;text-align:center;}
.article-body .stat-callout .stat-number{font-size:2.5rem;font-weight:900;color:#D4A843;display:block;}
.article-body .stat-callout .stat-label{font-size:0.9rem;opacity:0.85;margin-top:8px;}
.article-cta{background:linear-gradient(135deg,var(--navy),var(--navy));border-radius:16px;padding:40px;text-align:center;margin:48px 0;color:#fff;}
.article-cta h3{font-size:1.4rem;font-weight:800;margin-bottom:12px;}
.article-cta p{opacity:0.85;margin-bottom:24px;font-size:0.95rem;}
.article-sidebar{position:sticky;top:100px;}
.article-sidebar-card{background:#f8fbff;border-radius:12px;padding:24px;margin-bottom:24px;}
.article-sidebar-card h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:12px;}
.article-sidebar-card a{display:block;color:var(--teal);text-decoration:none;font-size:0.85rem;padding:6px 0;border-bottom:1px solid #eee;}
.article-sidebar-card a:last-child{border:none;}
.article-sidebar-card a:hover{color:var(--navy);}
.article-layout{display:grid;grid-template-columns:1fr 300px;gap:48px;}

/* ===== INTERACTIVE FUNDINGSCORE ===== */
.fs-interactive{background:linear-gradient(160deg,#0a1f3d,#194882 40%,#07253D);padding:100px 0;position:relative;overflow:hidden;}
.fs-interactive::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0v60M0 30h60' stroke='%23ffffff' stroke-opacity='0.03' stroke-width='1'/%3E%3C/svg%3E");pointer-events:none;}
.fs-interactive .container{position:relative;z-index:1;}
.fs-header{text-align:center;margin-bottom:60px;color:#fff;}
.fs-header .fs-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 20px;background:rgba(0,151,178,0.2);border:1px solid rgba(0,151,178,0.4);border-radius:30px;font-size:0.8rem;font-weight:600;color:#0097B2;margin-bottom:20px;letter-spacing:1px;text-transform:uppercase;}
.fs-header .fs-badge .pulse-dot{width:8px;height:8px;background:#0097B2;border-radius:50%;animation:pulse-glow 2s infinite;}
@keyframes pulse-glow{0%,100%{box-shadow:0 0 0 0 rgba(0,151,178,0.6);}50%{box-shadow:0 0 0 8px rgba(0,151,178,0);}}
.fs-header h2{font-size:2.5rem;font-weight:900;margin-bottom:16px;}
.fs-header h2 span{background:linear-gradient(135deg,#D4A843,#F0D078);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.fs-header p{font-size:1.1rem;opacity:0.7;max-width:600px;margin:0 auto;}

/* Score Dashboard */
.fs-dashboard{display:grid;grid-template-columns:1fr 1.4fr;gap:48px;align-items:start;}
.fs-score-panel{background:rgba(255,255,255,0.05);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,0.1);border-radius:24px;padding:40px;text-align:center;}
.fs-score-ring{position:relative;width:220px;height:220px;margin:0 auto 24px;}
.fs-score-ring svg{transform:rotate(-90deg);width:220px;height:220px;}
.fs-score-ring .ring-bg{fill:none;stroke:rgba(255,255,255,0.08);stroke-width:12;}
.fs-score-ring .ring-fill{fill:none;stroke:url(#scoreGrad);stroke-width:12;stroke-linecap:round;stroke-dasharray:628;stroke-dashoffset:628;transition:stroke-dashoffset 2s ease-out;}
.fs-score-ring.animate .ring-fill{stroke-dashoffset:125;}
.fs-score-value{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;}
.fs-score-number{font-size:3.5rem;font-weight:900;color:#D4A843;line-height:1;display:block;}
.fs-score-label{font-size:0.75rem;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:1px;margin-top:4px;}
.fs-score-status{display:inline-flex;align-items:center;gap:6px;padding:6px 16px;background:rgba(0,151,178,0.2);border:1px solid #0097B2;border-radius:20px;color:#0097B2;font-size:0.8rem;font-weight:600;margin-bottom:24px;}
.fs-factors{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-top:16px;}
.fs-factor{background:rgba(255,255,255,0.05);border-radius:12px;padding:12px;text-align:center;}
.fs-factor-icon{font-size:1.4rem;margin-bottom:4px;}
.fs-factor-name{font-size:0.65rem;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:0.5px;}
.fs-factor-val{font-size:0.85rem;font-weight:700;color:#fff;}
.fs-factor-bar{height:3px;background:rgba(255,255,255,0.1);border-radius:2px;margin-top:6px;overflow:hidden;}
.fs-factor-bar-fill{height:100%;border-radius:2px;transition:width 1.5s ease-out;width:0;}
.fs-factor-bar-fill.green{background:linear-gradient(90deg,#0097B2,#00D4AA);}
.fs-factor-bar-fill.gold{background:linear-gradient(90deg,#D4A843,#F0D078);}

/* Offers Panel */
.fs-offers-panel{display:flex;flex-direction:column;gap:20px;}
.fs-offer-card{background:rgba(255,255,255,0.05);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,0.1);border-radius:20px;padding:28px;transition:all 0.4s;cursor:pointer;position:relative;overflow:hidden;}
.fs-offer-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:100%;border-radius:4px 0 0 4px;}
.fs-offer-card:nth-child(1)::before{background:linear-gradient(180deg,#0097B2,#00D4AA);}
.fs-offer-card:nth-child(2)::before{background:linear-gradient(180deg,#D4A843,#F0D078);}
.fs-offer-card:nth-child(3)::before{background:linear-gradient(180deg,var(--teal),#6BB5E8);}
.fs-offer-card:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.2);transform:translateX(8px);}
.fs-offer-card.recommended{border-color:rgba(212,168,67,0.4);background:rgba(212,168,67,0.08);}
.fs-offer-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;}
.fs-offer-type{font-size:0.7rem;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,0.5);font-weight:600;}
.fs-offer-badge{padding:3px 10px;border-radius:12px;font-size:0.65rem;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;}
.fs-offer-badge.best{background:rgba(212,168,67,0.2);color:#D4A843;border:1px solid rgba(212,168,67,0.3);}
.fs-offer-badge.fast{background:rgba(0,151,178,0.2);color:#0097B2;border:1px solid rgba(0,151,178,0.3);}
.fs-offer-badge.flex{background:rgba(61,151,211,0.2);color:var(--teal);border:1px solid rgba(61,151,211,0.3);}
.fs-offer-amount{font-size:2rem;font-weight:900;color:#fff;margin-bottom:4px;}
.fs-offer-amount span{font-size:0.9rem;font-weight:400;opacity:0.5;margin-left:4px;}
.fs-offer-details{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,0.06);}
.fs-offer-detail-label{font-size:0.65rem;color:rgba(255,255,255,0.4);text-transform:uppercase;letter-spacing:0.5px;}
.fs-offer-detail-value{font-size:0.95rem;font-weight:700;color:#fff;margin-top:2px;}
.fs-offer-action{display:flex;align-items:center;justify-content:space-between;margin-top:16px;}
.fs-offer-select{padding:8px 24px;border-radius:10px;font-size:0.8rem;font-weight:600;border:none;cursor:pointer;transition:all 0.3s;text-decoration:none;}
.fs-offer-card:nth-child(1) .fs-offer-select{background:linear-gradient(135deg,#0097B2,#00D4AA);color:#fff;}
.fs-offer-card:nth-child(2) .fs-offer-select{background:linear-gradient(135deg,#D4A843,#B8922F);color:#fff;}
.fs-offer-card:nth-child(3) .fs-offer-select{background:linear-gradient(135deg,var(--teal),var(--navy));color:#fff;}
.fs-offer-select:hover{transform:scale(1.05);box-shadow:0 4px 20px rgba(0,0,0,0.3);}
.fs-offer-match{font-size:0.75rem;color:rgba(255,255,255,0.4);}
.fs-offer-match strong{color:#0097B2;}

/* Floating Dashboard Elements */
.fs-float-cards{position:absolute;pointer-events:none;}
.fs-float-card{position:absolute;background:rgba(255,255,255,0.06);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,0.08);border-radius:12px;padding:10px 14px;color:#fff;font-size:0.7rem;animation:float-card 6s ease-in-out infinite;}
.fs-float-card.a{top:10%;right:5%;animation-delay:0s;}
.fs-float-card.b{bottom:15%;left:3%;animation-delay:2s;}
.fs-float-card.c{top:40%;right:2%;animation-delay:4s;}
@keyframes float-card{0%,100%{transform:translateY(0);}50%{transform:translateY(-12px);}}

/* ===== COOL FEATURE CARDS (Specialty-style) ===== */
.feature-showcase{padding:100px 0;background:#fff;}
.feature-showcase .section-header h2{color:#07253D;}
.feature-showcase .section-header p{color:#5a7a9a;}
.feature-showcase .section-label{color:#3D97D3;border-color:rgba(61,151,211,0.3);}
.feature-tabs{display:flex;justify-content:center;gap:8px;margin-bottom:48px;flex-wrap:wrap;}
.feature-tab{padding:10px 24px;border-radius:30px;border:2px solid rgba(61,151,211,0.3);background:#f0f7fd;font-size:0.85rem;font-weight:600;color:#194882;cursor:pointer;transition:all 0.3s;}
.feature-tab:hover{border-color:#3D97D3;background:#e3f2fb;color:#005994;}
.feature-tab.active{background:#3D97D3;border-color:#3D97D3;color:#fff;}
.feature-panels{position:relative;min-height:400px;}
.feature-panel{display:none;animation:fadeUp 0.5s ease;}
.feature-panel.active{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
@keyframes fadeUp{from{opacity:0;transform:translateY(20px);}to{opacity:1;transform:translateY(0);}}
.feature-panel-content h3{font-size:1.8rem;font-weight:800;color:#07253D;margin-bottom:16px;}
.feature-panel-content p{font-size:1rem;color:#5a7a9a;line-height:1.8;margin-bottom:24px;}
.feature-panel-stats{display:flex;gap:24px;margin-bottom:24px;}
.fp-stat{background:#f0f7ff;border:1px solid rgba(13,118,188,0.15);border-radius:12px;padding:16px 20px;text-align:center;flex:1;}
.fp-stat-num{font-size:1.8rem;font-weight:900;color:#0E76BC;line-height:1;}
.fp-stat-label{font-size:0.7rem;color:#5a7a99;margin-top:6px;text-transform:uppercase;letter-spacing:0.5px;}
.feature-tab{display:flex;align-items:center;gap:6px;}
.feature-tab svg{flex-shrink:0;}
.feature-panel{display:none;opacity:0;transform:translateY(20px);}
.feature-panel.active{opacity:1;transform:translateY(0);}
.fs-header .section-label{display:flex;align-items:center;gap:8px;}
.fs-metrics{display:flex;flex-direction:column;gap:14px;}
.feature-checklist{list-style:none;padding:0;margin:0;}
.feature-checklist li{display:flex;align-items:flex-start;gap:12px;padding:10px 0;font-size:0.9rem;color:rgba(255,255,255,0.8);}
.feature-checklist li svg{flex-shrink:0;margin-top:2px;}
.feature-visual{position:relative;}
.feature-mockup{background:linear-gradient(135deg,rgba(255,255,255,0.07),rgba(255,255,255,0.03));border:1px solid rgba(95,184,232,0.2);border-radius:20px;padding:32px;position:relative;overflow:hidden;min-height:350px;}
.feature-mockup-bar{height:8px;background:rgba(255,255,255,0.08);border-radius:4px;margin-bottom:16px;}
.feature-mockup-bar-fill{height:100%;border-radius:4px;}
.feature-mockup-row{display:flex;gap:12px;margin-bottom:12px;align-items:center;}
.feature-mockup-avatar{width:36px;height:36px;border-radius:50%;flex-shrink:0;}
.feature-mockup-line{height:10px;border-radius:5px;background:rgba(255,255,255,0.08);}
.feature-mockup-card{background:rgba(255,255,255,0.08);border:1px solid rgba(95,184,232,0.15);border-radius:12px;padding:16px;box-shadow:0 2px 12px rgba(0,0,0,0.2);margin-bottom:12px;transition:transform 0.3s;}
.feature-mockup-card:hover{transform:scale(1.02);}
.feature-mockup-stat{text-align:center;padding:20px;}
.feature-mockup-stat-num{font-size:2rem;font-weight:900;color:#5FB8E8;}
.feature-mockup-stat-label{font-size:0.7rem;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:1px;}

/* Floating notification bubbles */
.notif-bubble{position:absolute;background:rgba(7,37,61,0.92);border:1px solid rgba(95,184,232,0.3);border-radius:14px;padding:10px 16px;box-shadow:0 8px 32px rgba(0,0,0,0.35);display:flex;align-items:center;gap:10px;font-size:0.78rem;font-weight:600;color:#fff;z-index:2;animation:float-notif 4s ease-in-out infinite;backdrop-filter:blur(8px);}
.notif-bubble .notif-icon{width:32px;height:32px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0;}
.notif-bubble.approved{top:-20px;right:-10px;animation-delay:0s;}
.notif-bubble.approved .notif-icon{background:rgba(0,151,178,0.25);color:#5FB8E8;}
.notif-bubble.funded{bottom:20px;left:-20px;animation-delay:2s;}
.notif-bubble.funded .notif-icon{background:rgba(212,168,67,0.25);color:#D4A843;}
.notif-bubble.speed{top:50%;right:-30px;animation-delay:1s;}
.notif-bubble.speed .notif-icon{background:#EBF0F7;color:var(--navy);}
@keyframes float-notif{0%,100%{transform:translateY(0);}50%{transform:translateY(-8px);}}

/* Process Timeline */
.process-timeline{display:flex;justify-content:center;gap:0;margin-top:48px;position:relative;}
.process-step{flex:1;max-width:250px;text-align:center;position:relative;padding:0 20px;}
.process-step::after{content:'';position:absolute;top:28px;left:calc(50% + 30px);width:calc(100% - 60px);height:2px;background:linear-gradient(90deg,var(--teal),#0097B2);z-index:0;}
.process-step:last-child::after{display:none;}
.process-step-num{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy));color:#fff;font-size:1.2rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:1;box-shadow:0 4px 20px rgba(19,58,106,0.3);transition:all 0.4s;}
.process-step:hover .process-step-num{transform:scale(1.15);background:linear-gradient(135deg,#0097B2,#00D4AA);box-shadow:0 4px 24px rgba(0,151,178,0.4);}
.process-step h4{font-size:0.95rem;font-weight:700;color:var(--navy);margin-bottom:6px;}
.process-step p{font-size:0.8rem;color:#888;line-height:1.5;}

/* Stats Counter Bar */
.stats-bar{background:linear-gradient(135deg,#194882,#07253D);padding:60px 0;position:relative;overflow:hidden;}
.stats-bar::before{content:'';position:absolute;top:-50%;right:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(0,151,178,0.15),transparent 70%);border-radius:50%;}
.stats-bar-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center;color:#fff;position:relative;z-index:1;}
.stats-bar-item .stats-num{font-size:2.8rem;font-weight:900;color:#D4A843;display:inline;line-height:1;}
.stats-bar-item .stats-num-wrap{display:block;line-height:1;}
.stats-bar-item .stats-label{font-size:0.8rem;opacity:0.6;margin-top:8px;text-transform:uppercase;letter-spacing:1px;}

/* ===== RESPONSIVE for new sections ===== */
@media(max-width:1024px){
.fs-dashboard{grid-template-columns:1fr;}
.feature-panel.active{grid-template-columns:1fr;}
.feature-visual{order:-1;}
.process-timeline{flex-wrap:wrap;gap:24px;}
.process-step::after{display:none;}
.stats-bar-grid{grid-template-columns:repeat(2,1fr);gap:24px;}
.fs-header h2{font-size:2rem;}
}
@media(max-width:768px){
.fs-score-ring{width:180px;height:180px;}
.fs-score-ring svg{width:180px;height:180px;}
.fs-score-number{font-size:2.8rem;}
.fs-factors{grid-template-columns:1fr;}
.fs-offer-details{grid-template-columns:1fr 1fr;}
.feature-tabs{gap:6px;}
.feature-tab{padding:8px 16px;font-size:0.75rem;}
.stats-bar-grid{grid-template-columns:1fr 1fr;}
.notif-bubble{display:none;}
}
@media(max-width:480px){
.fs-dashboard{gap:24px;}
.fs-offer-amount{font-size:1.6rem;}
.stats-bar-item .stats-num{font-size:2rem;}
.process-step{padding:0 8px;}
.feature-panel-stats{flex-direction:column;gap:12px;}
.fp-stat-num{font-size:1.4rem;}
.fs-header h2{font-size:1.6rem !important;}
.fs-score-panel{padding:20px;}
}

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-right { max-width: 500px; margin: 0 auto; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .industries-grid { grid-template-columns: repeat(2, 1fr); }
  .funding-score-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .partner-benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .about-ceo { grid-template-columns: 1fr; }
  .office-gallery { grid-template-columns: 1fr; }
  .office-gallery-main { min-height: 260px; }
  .office-gallery-thumb { min-height: 180px; }
  .contact-grid { grid-template-columns: 1fr; }
  .solution-detail { grid-template-columns: 1fr; }
  .solution-sidebar { position: static; }
  .careers-content { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-actions { display: none; }
  .nav-toggle { display: flex; }
  .hero h1 { font-size: 2.2rem; }
  .hero .hero-subtitle { font-size: 1.4rem; }
  .section { padding: 60px 0; }
  .section-header h2 { font-size: 2rem; }
  .features-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .industries-grid { grid-template-columns: 1fr 1fr; }
  .review-card { min-width: 260px; max-width: 260px; padding: 22px; border-radius: 16px; }
  .review-text { font-size: 0.82rem; line-height: 1.6; margin-bottom: 16px; }
  .review-author { gap: 10px; }
  .review-avatar { width: 36px; height: 36px; font-size: 0.72rem; }
  .review-name { font-size: 0.8rem; }
  .review-source img { height: 18px; }
  .reviews-track { gap: 14px; }
  .reviews-slider { -webkit-overflow-scrolling: touch; }
  .reviews-section { padding: 50px 0; }
  .reviews-section .section-header { margin-bottom: 30px; }
  .reviews-section .section-header h2 { font-size: 1.6rem; }
  .products-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { width: 100%; }
  .form-row { grid-template-columns: 1fr; }
  .submission-list { grid-template-columns: 1fr; }
  .review-badges { flex-direction: column; gap: 12px; }
  .review-badge { padding: 12px 18px; border-radius: 12px; }
  .partner-benefits-grid { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 2rem; }
  .amount-options { grid-template-columns: repeat(2, 1fr); }
  .solution-requirements { grid-template-columns: 1fr; }
  .key-features-grid { grid-template-columns: 1fr; }
  .apply-form-card { padding: 28px 20px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.8rem; }
  .section-header h2 { font-size: 1.6rem; }
  .industries-grid { grid-template-columns: 1fr; }
  .review-card { min-width: 240px; max-width: 240px; padding: 18px; border-radius: 14px; }
  .review-text { font-size: 0.78rem; line-height: 1.55; margin-bottom: 12px; }
  .review-stars { font-size: 0.9rem; margin-bottom: 10px; letter-spacing: 1px; }
  .review-author { gap: 8px; }
  .review-avatar { width: 32px; height: 32px; font-size: 0.65rem; }
  .review-name { font-size: 0.75rem; }
  .review-role { font-size: 0.68rem; }
  .review-source img { height: 16px; }
  .reviews-track { gap: 10px; }
  .review-badges { gap: 10px; margin-top: 20px; }
  .review-badge { padding: 10px 14px; gap: 8px; border-radius: 10px; }
  .review-badge img { height: 22px; }
  .review-badge-stars { font-size: 0.78rem; }
  .review-badge-count { font-size: 0.65rem; }
  .reviews-section .section-header h2 { font-size: 1.3rem; }
  .reviews-section { padding: 40px 0; }
}
@media (max-width: 1024px) {
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-featured { grid-template-columns: 1fr; }
  .ebook-grid { grid-template-columns: 1fr; }
  .ebook-banner { grid-template-columns: 1fr; padding: 32px; }
  .ebook-banner-img { display: none; }
  .infographic-grid { grid-template-columns: 1fr; }
  .article-layout { grid-template-columns: 1fr; }
  .article-title { font-size: 1.8rem; }
}
@media (max-width: 768px) {
  .blog-grid { grid-template-columns: 1fr; }
  .blog-featured-title { font-size: 1.4rem; }
  .ebook-card { grid-template-columns: 1fr; }
  .ebook-card-img { height: 200px; }
  .article-title { font-size: 1.5rem; }
}
@media (max-width: 480px) {
  .blog-filter { gap: 8px; }
  .blog-filter-btn { padding: 6px 14px; font-size: 0.7rem; }
  .ebook-banner { padding: 24px; }
  .ebook-banner-content h3 { font-size: 1.2rem; }
}

/* === ANIMATIONS === */
.fade-in { opacity: 0; transform: translateY(20px); transition: all 0.6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.slide-in-left { opacity: 0; transform: translateX(-30px); transition: all 0.6s ease; }
.slide-in-left.visible { opacity: 1; transform: translateX(0); }
.slide-in-right { opacity: 0; transform: translateX(30px); transition: all 0.6s ease; }
.slide-in-right.visible { opacity: 1; transform: translateX(0); }
/* ============================================
   HERO JOURNEY ANIMATION
   ============================================ */
.hero-journey {
  background: #ffffff;
  border-radius: 20px;
  padding: 0;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 24px 64px rgba(7,37,61,0.18), 0 0 0 1px rgba(25,72,130,0.1);
}
.hero-journey::before {
  content:'';
  position:absolute;top:-40px;right:-40px;
  width:160px;height:160px;
  background:radial-gradient(circle,rgba(95,184,232,0.10),transparent 70%);
  border-radius:50%;pointer-events:none;
}
.hero-journey::after {
  content:'';
  position:absolute;bottom:-30px;left:-30px;
  width:120px;height:120px;
  background:radial-gradient(circle,rgba(61,151,211,0.07),transparent 70%);
  border-radius:50%;pointer-events:none;
}
.hj-header {
  display:flex;align-items:center;justify-content:space-between;
  margin-bottom:0;
  padding:16px 22px;
  background:linear-gradient(135deg,#0B2545 0%,#134883 60%,#1a5a9e 100%);
  border-radius:20px 20px 0 0;
}
.hj-header-left {
  display:flex;align-items:center;gap:10px;
}
.hj-header-left img { height:22px; filter:brightness(0) invert(1); }
.hj-title { color:#ffffff; font-size:0.95rem; font-weight:700; margin:0; }
.hj-live-badge {
  background:rgba(22,163,74,0.2);color:#4ade80;
  padding:4px 12px;border-radius:20px;
  font-size:0.65rem;font-weight:700;letter-spacing:0.5px;
  display:flex;align-items:center;gap:5px;
  border:1px solid rgba(22,163,74,0.3);
}
.hj-live-dot {
  width:7px;height:7px;background:#4ade80;border-radius:50%;
  animation: pulse-glow 1.5s ease-in-out infinite;
}

/* Journey Steps */
.hj-steps {
  display:flex;flex-direction:column;gap:10px;
  position:relative;z-index:1;
  padding:20px 22px 0;
}
.hj-step {
  background: #f7fafd;
  border: 1px solid #e3eef8;
  border-radius: 12px;
  padding: 11px 14px;
  display: flex;
  align-items: center;
  gap: 14px;
  transition: all 0.4s ease;
  opacity: 0.45;
  transform: translateX(-6px);
}
.hj-step.step-active {
  background: #eaf5fc;
  border-color: #5FB8E8;
  opacity: 1;
  transform: translateX(0);
  box-shadow: 0 4px 16px rgba(95,184,232,0.15);
}
.hj-step.step-done {
  background: #f0f9fc;
  border-color: #b8dff0;
  opacity: 0.9;
  transform: translateX(0);
}
.hj-step-icon {
  width:36px;height:36px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;flex-shrink:0;
  background: #e8f2fa;
  transition: background 0.4s ease;
}
.hj-step.step-active .hj-step-icon {
  background: #cce8f7;
}
.hj-step.step-done .hj-step-icon {
  background: #d4f0f7;
}
.hj-step-info { flex:1; min-width:0; }
.hj-step-label {
  color: #9bb5cc;
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 3px;
}
.hj-step-name {
  color: #5a7a9a;
  font-size: 0.82rem;
  font-weight: 600;
  transition: color 0.4s;
}
.hj-step.step-active .hj-step-name { color: #07253D; }
.hj-step.step-done .hj-step-name { color: #194882; }
.hj-step-status {
  font-size: 0.68rem;
  font-weight: 700;
  white-space: nowrap;
  transition: all 0.4s;
}
.hj-step-status.pending { color: rgba(255,255,255,0.2); }
.hj-step-status.processing {
  color: #5FB8E8;
  display:flex;align-items:center;gap:4px;
}
.hj-step-status.done { color: #0097B2; }

/* Processing dots animation */
@keyframes hj-dot-bounce {
  0%,80%,100% { transform:translateY(0); opacity:0.4; }
  40% { transform:translateY(-4px); opacity:1; }
}
.hj-dots span {
  display:inline-block;
  width:4px;height:4px;border-radius:50%;
  background:#5FB8E8;margin:0 1px;
  animation:hj-dot-bounce 1.2s ease-in-out infinite;
}
.hj-dots span:nth-child(2){animation-delay:0.15s;}
.hj-dots span:nth-child(3){animation-delay:0.3s;}

/* Progress bar at bottom */
.hj-progress-wrap {
  margin-top:16px;
  padding:0 22px;
  display:flex;align-items:center;gap:12px;
}
.hj-progress-bar-bg {
  flex:1;height:4px;background:#e3eef8;border-radius:2px;overflow:hidden;
}
.hj-progress-bar-fill {
  height:100%;width:0%;
  background:linear-gradient(90deg,#3D97D3,#5FB8E8);
  border-radius:2px;
  transition: width 0.8s ease;
}
.hj-progress-pct {
  color:#9bb5cc;font-size:0.7rem;font-weight:700;min-width:30px;text-align:right;
}

/* ============================================
   SPEED ENGINE STEP ANIMATION (loop)
   ============================================ */
@keyframes se-step-in {
  0%   { opacity:0.35; transform:translateX(-4px); background:rgba(255,255,255,0.05); }
  15%  { opacity:1;    transform:translateX(0);    background:rgba(95,184,232,0.12); }
  70%  { opacity:1;    transform:translateX(0);    background:rgba(95,184,232,0.12); }
  100% { opacity:0.6;  transform:translateX(0);    background:rgba(0,151,178,0.08); }
}
.se-step { transition: opacity 0.3s, transform 0.3s; }
.se-step.se-animating {
  animation: se-step-in 1.8s ease forwards;
}
.se-step.se-done {
  opacity:0.65;
  background: rgba(0,151,178,0.07) !important;
  border-color: rgba(0,151,178,0.15) !important;
}
.se-step.se-active {
  opacity:1 !important;
  background: rgba(95,184,232,0.12) !important;
  border-color: rgba(95,184,232,0.3) !important;
  box-shadow: 0 4px 16px rgba(95,184,232,0.08);
}

/* Hero Journey CTA Button */
.hj-cta-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin: 14px 22px 20px;
  padding: 13px 20px;
  background: linear-gradient(135deg, #194882, #005994);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  border-radius: 12px;
  text-decoration: none;
  transition: all 0.3s ease;
  box-shadow: 0 6px 20px rgba(25,72,130,0.25);
  position: relative;
  z-index: 1;
}
.hj-cta-btn:hover {
  background: linear-gradient(135deg, #0d3060, #194882);
  box-shadow: 0 8px 28px rgba(25,72,130,0.35);
  transform: translateY(-1px);
  color: #fff;
}
.hj-cta-btn svg { transition: transform 0.3s ease; }
.hj-cta-btn:hover svg { transform: translateX(4px); }