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

:root {
  --primary: #00D48C;
  --primary-dark: #00A86E;
  --gold: #FFB800;
  --navy: #0C1B3F;
  --navy-light: #132444;
  --dark: #070F1E;
  --gray: #64748B;
  --gray-light: #94A3B8;
  --white: #ffffff;
  --bg-light: #F4F7F6;
  --bg-dark: #0D1B35;
  --radius: 18px;
  --radius-lg: 24px;
  --shadow: 0 4px 32px rgba(0,212,140,0.08);
  --shadow-lg: 0 8px 48px rgba(0,0,0,0.18);
  --shadow-green: 0 8px 40px rgba(0,212,140,0.25);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Poppins', sans-serif;
  color: var(--dark);
  background: var(--white);
  overflow-x: hidden;
}

/* ─── NAV ─── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(7,15,30,0.92);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(0,212,140,0.12);
  padding: 0 5%;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px;
}
.nav-logo {
  font-size: 1.45rem; font-weight: 800; color: var(--white);
  letter-spacing: -0.5px; display: flex; align-items: center; gap: .55rem;
}
.nav-logo span { color: var(--primary); }
.nav-logo-img { height: 36px; width: 36px; object-fit: contain; }

.nav-links { display: flex; gap: 2rem; list-style: none; }
.nav-links a { text-decoration: none; color: rgba(255,255,255,0.65); font-size: 0.88rem; font-weight: 500; transition: color .2s; }
.nav-links a:hover { color: var(--primary); }
.nav-cta { display: flex; gap: .8rem; }

.btn {
  display: inline-flex; align-items: center; gap: .4rem;
  padding: .6rem 1.4rem; border-radius: 50px; font-family: 'Poppins', sans-serif;
  font-size: .88rem; font-weight: 600; cursor: pointer; text-decoration: none;
  border: none; transition: all .25s ease;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: var(--dark); box-shadow: var(--shadow-green);
}
.btn-primary:hover { transform: scale(1.05); box-shadow: 0 8px 32px rgba(0,212,140,0.4); }
.btn-outline {
  background: transparent; color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: var(--dark); transform: scale(1.04); }
.btn-lg { padding: .9rem 2.2rem; font-size: 1rem; }
.btn-white {
  background: #fff; color: var(--navy); font-weight: 700;
  padding: 1rem 2.8rem; font-size: 1.05rem; border-radius: 50px;
  border: none; cursor: pointer; transition: .25s;
  box-shadow: 0 6px 30px rgba(0,0,0,0.25); display: inline-block; text-decoration: none;
}
.btn-white:hover { transform: scale(1.06); box-shadow: 0 10px 40px rgba(0,0,0,0.3); }

/* ─── HERO ─── */
.hero {
  min-height: 100vh;
  background: radial-gradient(ellipse at 70% 40%, rgba(0,212,140,0.12) 0%, transparent 60%),
              radial-gradient(ellipse at 20% 80%, rgba(255,184,0,0.07) 0%, transparent 50%),
              linear-gradient(160deg, #070F1E 0%, #0C1B3F 50%, #0A1628 100%);
  display: flex; align-items: center;
  padding: 100px 5% 60px;
  gap: 4rem;
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: -100px; right: -100px;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,212,140,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute; bottom: -80px; left: 10%;
  width: 300px; height: 300px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,184,0,0.05) 0%, transparent 70%);
  pointer-events: none;
}
.hero-text { flex: 1; max-width: 580px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(0,212,140,0.12); color: var(--primary);
  border: 1px solid rgba(0,212,140,0.25);
  border-radius: 50px; padding: .35rem 1rem;
  font-size: .78rem; font-weight: 600; margin-bottom: 1.5rem;
}
h1 {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 800; line-height: 1.1;
  color: var(--white); margin-bottom: 1.2rem;
}
h1 span {
  background: linear-gradient(90deg, var(--primary), var(--gold));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  font-size: 1.05rem; color: rgba(255,255,255,0.6); line-height: 1.75;
  margin-bottom: 2.2rem; max-width: 480px;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ─── HERO VISUAL ─── */
.hero-visual { flex: 1; display: flex; justify-content: center; align-items: center; position: relative; }
.hero-phones {
  position: relative;
  width: 340px; height: 520px;
  display: flex; align-items: center; justify-content: center;
}
.hero-shot {
  position: absolute; width: 210px;
  filter: drop-shadow(0 24px 48px rgba(0,0,0,0.5));
  transition: transform .3s ease;
}
.hero-shot-back {
  left: 0; top: 20px;
  transform: rotate(-4deg) translateX(-10px);
  z-index: 1;
}
.hero-shot-front {
  right: 0; top: 0;
  transform: rotate(3deg) translateX(10px);
  z-index: 2;
}
.hero-phones:hover .hero-shot-back  { transform: rotate(-6deg) translateX(-18px); }
.hero-phones:hover .hero-shot-front { transform: rotate(5deg)  translateX(18px); }

.badge-float {
  position: absolute; background: rgba(255,255,255,0.06);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(0,212,140,0.25);
  border-radius: 14px; padding: .6rem 1rem;
  box-shadow: 0 8px 32px rgba(0,0,0,0.3); font-size: .78rem; font-weight: 600;
  display: flex; align-items: center; gap: .5rem;
  white-space: nowrap; animation: float 3s ease-in-out infinite;
  z-index: 10; color: var(--white);
}
.badge-float.top { top: -10px; left: -10px; animation-delay: 0s; }
.badge-float.bot { bottom: -10px; right: -10px; animation-delay: 1.5s; }
.badge-float .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--primary); }

@keyframes float {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--white); padding: 40px 5%;
  border-top: 1px solid rgba(0,212,140,0.1);
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.trust-inner { max-width: 1100px; margin: 0 auto; }
.trust-stats {
  display: flex; justify-content: space-around; flex-wrap: wrap; gap: 1rem;
  margin-bottom: 2rem;
}
.trust-item { text-align: center; }
.trust-item .num { font-size: 1.7rem; font-weight: 800; color: var(--navy); }
.trust-item .num.green { color: var(--primary-dark); }
.trust-item .lbl { font-size: .8rem; color: var(--gray); margin-top: 2px; }
.trust-logos { display: flex; justify-content: center; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.network-logo {
  background: var(--bg-light); border-radius: 10px; padding: .5rem 1.2rem;
  font-weight: 700; font-size: .85rem; color: var(--gray);
  opacity: .6; transition: .2s;
}
.network-logo:hover { opacity: 1; color: var(--navy); }

/* ─── SECTIONS SHARED ─── */
section { padding: 90px 5%; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-tag {
  display: inline-block;
  background: rgba(0,212,140,0.1);
  color: var(--primary-dark); border: 1px solid rgba(0,212,140,0.2);
  border-radius: 50px; padding: .3rem .9rem;
  font-size: .75rem; font-weight: 700; letter-spacing: .5px;
  text-transform: uppercase; margin-bottom: 1rem;
}
.section-tag.gold {
  background: rgba(255,184,0,0.1);
  color: #B8860B; border-color: rgba(255,184,0,0.25);
}
.section-tag.dark {
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.7); border-color: rgba(255,255,255,0.15);
}
h2 {
  font-size: clamp(1.7rem, 3.5vw, 2.7rem);
  font-weight: 800; margin-bottom: .8rem; line-height: 1.2;
}
.section-sub { color: var(--gray); font-size: 1rem; max-width: 520px; line-height: 1.75; margin-bottom: 3rem; }

/* ─── FEATURES GRID ─── */
.features-bg { background: var(--bg-light); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.feature-card {
  background: var(--white); border-radius: var(--radius);
  padding: 2rem 1.6rem; text-align: center;
  box-shadow: 0 2px 24px rgba(0,0,0,0.06);
  border: 1px solid rgba(0,0,0,0.05);
  transition: transform .25s ease, box-shadow .25s ease;
  cursor: pointer; position: relative; overflow: hidden;
}
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--gold));
  opacity: 0; transition: opacity .25s;
}
.feature-card:hover { transform: translateY(-8px); box-shadow: 0 12px 40px rgba(0,0,0,0.12); }
.feature-card:hover::before { opacity: 1; }
.feature-card.highlight {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-color: rgba(0,212,140,0.2);
}
.feature-card.highlight h3 { color: var(--white); }
.feature-card.highlight p { color: rgba(255,255,255,0.55); }
.feature-card.highlight::before { opacity: 1; }
.feature-icon { font-size: 2.4rem; margin-bottom: 1rem; }
.feature-card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: .4rem; }
.feature-card p { font-size: .82rem; color: var(--gray); line-height: 1.6; }
.feature-badge {
  display: inline-block; background: rgba(0,212,140,0.12);
  color: var(--primary-dark); border-radius: 50px;
  padding: .2rem .7rem; font-size: .68rem; font-weight: 700;
  margin-top: .6rem; letter-spacing: .3px;
}

/* ─── SPLIT SECTIONS (Spend & Save / Commissions / Borrowers) ─── */
.split-section { padding: 90px 5%; }
.split-section.dark-bg {
  background: linear-gradient(160deg, #070F1E 0%, #0C1B3F 100%);
}
.split-section.light-bg { background: var(--white); }
.split-section.tinted-bg { background: var(--bg-light); }
.split-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; gap: 5rem;
}
.split-inner.reverse { flex-direction: row-reverse; }
.split-text { flex: 1; }
.split-text h2 { color: var(--dark); }
.split-text.on-dark h2 { color: var(--white); }
.split-text.on-dark .section-sub { color: rgba(255,255,255,0.55); }
.split-text p { color: var(--gray); line-height: 1.75; margin-bottom: 1.5rem; font-size: .95rem; }
.split-text.on-dark p { color: rgba(255,255,255,0.55); }
.feature-list { list-style: none; margin-bottom: 2rem; display: flex; flex-direction: column; gap: .8rem; }
.feature-list li {
  display: flex; align-items: flex-start; gap: .75rem;
  font-size: .92rem; font-weight: 500; color: var(--dark);
}
.split-text.on-dark .feature-list li { color: rgba(255,255,255,0.8); }
.feature-list li .check {
  width: 22px; height: 22px; border-radius: 50%; flex-shrink: 0;
  background: rgba(0,212,140,0.15); border: 1px solid rgba(0,212,140,0.3);
  display: flex; align-items: center; justify-content: center;
  font-size: .7rem; color: var(--primary); margin-top: 2px;
}
.split-visual { flex: 1; display: flex; justify-content: center; }

/* ─── WALLET CARD MOCKUP ─── */
.wallet-mockup {
  width: 320px;
  background: linear-gradient(135deg, #0C1B3F, #1a2d5a);
  border-radius: 24px; padding: 1.8rem;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35), 0 0 0 1px rgba(0,212,140,0.12);
  position: relative; overflow: hidden;
}
.wallet-mockup::before {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 160px; height: 160px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,212,140,0.15), transparent 70%);
}
.wallet-top {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 1.8rem;
}
.wallet-label { font-size: .72rem; color: rgba(255,255,255,0.45); font-weight: 500; }
.wallet-chip {
  width: 36px; height: 28px; border-radius: 6px;
  background: linear-gradient(135deg, #FFB800, #FF8C00);
  opacity: .8;
}
.wallet-balance { margin-bottom: 1.8rem; }
.wallet-balance .bal-label { font-size: .72rem; color: rgba(255,255,255,0.45); margin-bottom: .3rem; }
.wallet-balance .bal-amount {
  font-size: 2rem; font-weight: 800; color: var(--white);
}
.wallet-balance .bal-change {
  font-size: .75rem; color: var(--primary); font-weight: 600; margin-top: .2rem;
}
.wallet-goal {
  background: rgba(255,255,255,0.05); border-radius: 14px;
  padding: 1rem; margin-bottom: 1rem;
}
.wallet-goal .goal-label { font-size: .72rem; color: rgba(255,255,255,0.45); margin-bottom: .6rem; display: flex; justify-content: space-between; }
.wallet-goal .goal-pct { color: var(--primary); font-weight: 700; }
.progress-bar { height: 6px; background: rgba(255,255,255,0.1); border-radius: 50px; overflow: hidden; }
.progress-fill { height: 100%; border-radius: 50px; background: linear-gradient(90deg, var(--primary), var(--gold)); }
.wallet-actions { display: flex; gap: .6rem; margin-top: 1.2rem; }
.wallet-action-btn {
  flex: 1; padding: .6rem; border-radius: 10px;
  background: rgba(0,212,140,0.12); border: 1px solid rgba(0,212,140,0.2);
  color: var(--primary); font-size: .72rem; font-weight: 600; text-align: center;
}

/* ─── COMMISSION MOCKUP ─── */
.commission-mockup {
  width: 320px;
  background: var(--white);
  border-radius: 24px; padding: 1.8rem;
  box-shadow: 0 12px 48px rgba(0,0,0,0.1), 0 0 0 1px rgba(0,0,0,0.05);
}
.commission-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 1.5rem; padding-bottom: 1rem;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.commission-header .title { font-size: .85rem; font-weight: 700; color: var(--dark); }
.commission-header .period { font-size: .72rem; color: var(--gray); background: var(--bg-light); padding: .2rem .65rem; border-radius: 50px; }
.commission-total {
  text-align: center; padding: 1.2rem; margin-bottom: 1.2rem;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 16px;
}
.commission-total .ct-label { font-size: .72rem; color: rgba(255,255,255,0.45); margin-bottom: .3rem; }
.commission-total .ct-amount { font-size: 1.8rem; font-weight: 800; color: var(--primary); }
.commission-total .ct-sub { font-size: .7rem; color: rgba(255,255,255,0.4); margin-top: .2rem; }
.commission-items { display: flex; flex-direction: column; gap: .6rem; }
.commission-item {
  display: flex; align-items: center; gap: .75rem;
  padding: .65rem .8rem; border-radius: 10px;
  background: var(--bg-light);
}
.commission-item .ci-icon { font-size: 1.1rem; }
.commission-item .ci-info { flex: 1; }
.commission-item .ci-name { font-size: .78rem; font-weight: 600; color: var(--dark); }
.commission-item .ci-date { font-size: .68rem; color: var(--gray); }
.commission-item .ci-amount { font-size: .82rem; font-weight: 700; color: var(--primary-dark); }
.earn-badge {
  display: inline-flex; align-items: center; gap: .4rem;
  background: rgba(0,212,140,0.1); border: 1px solid rgba(0,212,140,0.2);
  color: var(--primary-dark); border-radius: 50px; padding: .25rem .75rem;
  font-size: .72rem; font-weight: 700; margin-top: 1rem;
  animation: float 3s ease-in-out infinite;
}

/* ─── BORROWERS MOCKUP ─── */
.borrowers-mockup {
  width: 340px;
  background: var(--white);
  border-radius: 24px; padding: 1.8rem;
  box-shadow: 0 12px 48px rgba(0,0,0,0.1), 0 0 0 1px rgba(0,0,0,0.05);
}
.borrowers-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 1.2rem;
}
.borrowers-header .bh-title { font-size: .88rem; font-weight: 700; color: var(--dark); }
.bh-total {
  font-size: .72rem; color: var(--gray);
  background: var(--bg-light); padding: .25rem .7rem; border-radius: 50px;
}
.bh-total span { color: var(--navy); font-weight: 700; }
.borrower-summary {
  display: flex; gap: .6rem; margin-bottom: 1.2rem;
}
.bs-card {
  flex: 1; padding: .75rem; border-radius: 12px; text-align: center;
}
.bs-card.owed { background: rgba(0,212,140,0.08); border: 1px solid rgba(0,212,140,0.15); }
.bs-card.overdue { background: rgba(239,68,68,0.06); border: 1px solid rgba(239,68,68,0.15); }
.bs-card .bs-label { font-size: .65rem; color: var(--gray); margin-bottom: .2rem; }
.bs-card .bs-amount { font-size: 1rem; font-weight: 800; }
.bs-card.owed .bs-amount { color: var(--primary-dark); }
.bs-card.overdue .bs-amount { color: #DC2626; }
.borrower-list { display: flex; flex-direction: column; gap: .6rem; }
.borrower-item {
  display: flex; align-items: center; gap: .75rem;
  padding: .75rem; border-radius: 12px;
  background: var(--bg-light); transition: background .2s;
}
.borrower-item:hover { background: #e8f5f0; }
.bi-avatar {
  width: 38px; height: 38px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .85rem; color: var(--white); flex-shrink: 0;
}
.bi-avatar.green { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); }
.bi-avatar.orange { background: linear-gradient(135deg, #F59E0B, #D97706); }
.bi-avatar.red { background: linear-gradient(135deg, #EF4444, #DC2626); }
.bi-info { flex: 1; }
.bi-name { font-size: .82rem; font-weight: 600; color: var(--dark); }
.bi-due { font-size: .68rem; color: var(--gray); }
.bi-right { text-align: right; }
.bi-amount { font-size: .85rem; font-weight: 700; color: var(--dark); }
.bi-status {
  font-size: .63rem; font-weight: 700; border-radius: 50px;
  padding: .15rem .55rem; display: inline-block; margin-top: .2rem;
}
.bi-status.paid { background: rgba(0,212,140,0.12); color: var(--primary-dark); }
.bi-status.pending { background: rgba(245,158,11,0.12); color: #B45309; }
.bi-status.overdue { background: rgba(239,68,68,0.1); color: #DC2626; }

/* ─── VTU SERVICES ─── */
.services-bg { background: var(--bg-light); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.service-card {
  background: var(--white); border-radius: var(--radius); padding: 2rem 1.5rem;
  text-align: center; box-shadow: 0 2px 20px rgba(0,0,0,0.05);
  border: 1px solid rgba(0,0,0,0.05);
  transition: transform .25s ease, box-shadow .25s ease; cursor: pointer;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.service-icon { font-size: 2.4rem; margin-bottom: 1rem; }
.service-card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: .4rem; }
.service-card p { font-size: .82rem; color: var(--gray); }

/* ─── WHY US ─── */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.why-card {
  border-radius: var(--radius); padding: 1.8rem 1.4rem;
  background: var(--white); box-shadow: 0 2px 20px rgba(0,0,0,0.05);
  border: 1px solid rgba(0,0,0,0.05);
  transition: transform .25s;
}
.why-card:hover { transform: translateY(-6px); }
.why-icon { font-size: 2rem; margin-bottom: 1rem; }
.why-card h3 { font-weight: 700; margin-bottom: .4rem; font-size: .95rem; }
.why-card p { font-size: .82rem; color: var(--gray); line-height: 1.65; }

/* ─── HOW IT WORKS ─── */
.how-bg {
  background: linear-gradient(160deg, #070F1E 0%, #0C1B3F 100%);
}
.how-bg h2 { color: var(--white); }
.how-bg .section-sub { color: rgba(255,255,255,0.5); }
.steps { display: flex; align-items: flex-start; gap: 0; justify-content: center; flex-wrap: wrap; }
.step { text-align: center; flex: 1; min-width: 180px; max-width: 220px; padding: 0 1rem; position: relative; }
.step:not(:last-child)::after {
  content: '→'; position: absolute; right: -14px; top: 24px;
  font-size: 1.4rem; color: rgba(0,212,140,0.4);
}
.step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: var(--dark); font-size: 1.2rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.2rem; box-shadow: var(--shadow-green);
}
.step h3 { font-weight: 700; margin-bottom: .4rem; color: var(--white); font-size: .95rem; }
.step p { font-size: .82rem; color: rgba(255,255,255,0.5); }

/* ─── APP SHOWCASE ─── */
.app-inner { display: flex; align-items: center; gap: 4rem; }
.app-text { flex: 1; }
.app-text h2 { margin-bottom: 1rem; }
.app-text p { color: var(--gray); line-height: 1.75; margin-bottom: 2rem; }
.app-btns { display: flex; gap: 1rem; flex-wrap: wrap; }
.store-btn {
  display: inline-flex; align-items: center;
  text-decoration: none; transition: transform .25s, box-shadow .25s;
  border-radius: 10px; overflow: hidden;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}
.store-btn:hover { transform: scale(1.05); box-shadow: 0 8px 28px rgba(0,0,0,0.22); }
.store-btn img { display: block; height: 52px; width: auto; }

/* ─── TESTIMONIALS ─── */
.testi-bg { background: var(--bg-light); }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.testi-card {
  background: var(--white);
  border-radius: var(--radius); padding: 1.8rem;
  box-shadow: 0 2px 20px rgba(0,0,0,0.06);
  border: 1px solid rgba(0,0,0,0.05);
  transition: transform .25s;
}
.testi-card:hover { transform: translateY(-6px); }
.stars { color: #F59E0B; font-size: 1rem; margin-bottom: .8rem; letter-spacing: 2px; }
.testi-card p { color: var(--gray); font-size: .88rem; line-height: 1.75; margin-bottom: 1.2rem; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: .8rem; }
.avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  display: flex; align-items: center; justify-content: center;
  color: var(--dark); font-weight: 700; font-size: .95rem;
}
.author-info .name { font-weight: 700; font-size: .9rem; }
.author-info .loc { font-size: .75rem; color: var(--gray); }

/* ─── FAQ ─── */
.faq-inner { max-width: 720px; }
.faq-item { border-bottom: 1px solid rgba(0,0,0,0.07); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none;
  font-family: 'Poppins', sans-serif; font-size: .95rem; font-weight: 600;
  color: var(--dark); padding: 1.2rem 0; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq-q::after { content: '+'; font-size: 1.3rem; color: var(--primary); flex-shrink: 0; }
.faq-q.open::after { content: '−'; }
.faq-a { display: none; color: var(--gray); font-size: .88rem; line-height: 1.75; padding-bottom: 1.2rem; }
.faq-a.open { display: block; }

/* ─── CONTACT ─── */
.contact-bg { background: var(--bg-light); }
.contact-wrap {
  max-width: 720px; margin: 0 auto;
  background: var(--white); border-radius: var(--radius);
  padding: 2.5rem; box-shadow: 0 4px 32px rgba(0,0,0,0.07);
  border: 1px solid rgba(0,0,0,0.05);
}
.contact-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.contact-field { display: flex; flex-direction: column; gap: .4rem; margin-bottom: 1.2rem; }
.contact-field label { font-size: .85rem; font-weight: 600; color: var(--dark); }
.contact-field input,
.contact-field textarea {
  font-family: 'Poppins', sans-serif; font-size: .9rem;
  padding: .75rem 1rem; border-radius: 12px;
  border: 1.5px solid rgba(0,0,0,0.1);
  outline: none; transition: border-color .2s, box-shadow .2s;
  color: var(--dark); background: var(--white); resize: none;
}
.contact-field input:focus,
.contact-field textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0,212,140,0.1);
}
.contact-alert {
  margin-top: 1.2rem; text-align: center; font-size: .9rem;
  font-weight: 600; padding: .8rem 1rem; border-radius: 10px; display: none;
}
.contact-alert.success { background: #f0fdf4; color: #16a34a; display: block; }
.contact-alert.error   { background: #fef2f2; color: #dc2626; display: block; }

/* ─── FINAL CTA ─── */
.final-cta {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--navy) 100%);
  text-align: center; padding: 100px 5%;
  position: relative; overflow: hidden;
}
.final-cta::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(0,212,140,0.15) 0%, transparent 60%),
              radial-gradient(ellipse at 70% 50%, rgba(255,184,0,0.08) 0%, transparent 60%);
}
.final-cta h2 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 1rem; position: relative; }
.final-cta p { color: rgba(255,255,255,0.65); font-size: 1.05rem; margin-bottom: 2.5rem; position: relative; }

/* ─── FOOTER ─── */
footer {
  background: var(--dark); color: rgba(255,255,255,0.6);
  padding: 60px 5% 30px;
}
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; }
.footer-logo { font-size: 1.4rem; font-weight: 800; color: var(--white); margin-bottom: .7rem; display: flex; align-items: center; gap: .6rem; }
.footer-logo span { color: var(--primary); }
.footer-logo-img { height: 36px; width: auto; object-fit: contain; filter: brightness(0) invert(1); }
.footer-brand p { font-size: .85rem; line-height: 1.75; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: .9rem; margin-bottom: 1.2rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .65rem; }
.footer-col ul a { color: rgba(255,255,255,0.55); text-decoration: none; font-size: .85rem; transition: .2s; }
.footer-col ul a:hover { color: var(--primary); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07); padding-top: 1.5rem;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: .5rem; font-size: .8rem;
}

/* ─── FLOATING BUTTONS ─── */
.float-cta {
  position: fixed; bottom: 90px; right: 24px; z-index: 99;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: var(--dark); border-radius: 50px; padding: .7rem 1.3rem;
  font-family: 'Poppins', sans-serif; font-size: .82rem; font-weight: 700;
  box-shadow: var(--shadow-green); cursor: pointer; border: none;
  text-decoration: none; display: flex; align-items: center; gap: .5rem;
  animation: pulse 2.5s ease-in-out infinite;
}
@keyframes pulse {
  0%,100% { box-shadow: var(--shadow-green); }
  50% { box-shadow: 0 10px 48px rgba(0,212,140,0.5); }
}
.whatsapp-btn {
  position: fixed; bottom: 24px; right: 24px; z-index: 99;
  width: 52px; height: 52px; border-radius: 50%;
  background: #25D366; display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4); text-decoration: none;
  font-size: 1.5rem; transition: .25s;
}
.whatsapp-btn:hover { transform: scale(1.1); }

/* ─── HAMBURGER ─── */
.hamburger {
  display: none; flex-direction: column; justify-content: center;
  gap: 5px; background: none; border: none; cursor: pointer;
  padding: 6px; border-radius: 8px; transition: background .2s;
}
.hamburger:hover { background: rgba(0,212,140,0.1); }
.hamburger span {
  display: block; width: 24px; height: 2.5px;
  background: var(--white); border-radius: 4px;
  transition: transform .3s ease, opacity .3s ease;
  transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
.nav-mobile-btns { display: none; }
.nav-mobile-btns .btn-primary { color: var(--dark); }

/* ─── COUNTER ANIMATION ─── */
@keyframes countUp {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.count-anim { animation: countUp .5s ease; }

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
  .hero { flex-direction: column; text-align: center; padding-top: 110px; }
  .hero-sub { margin: 0 auto 2rem; }
  .hero-btns { justify-content: center; }
  .badge-float.top { left: 10px; }
  .badge-float.bot { right: 10px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .split-inner, .split-inner.reverse { flex-direction: column; gap: 3rem; }
  .app-inner { flex-direction: column; }
  .step:not(:last-child)::after { display: none; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }

  .nav-links.open {
    display: flex; flex-direction: column; align-items: flex-start; gap: 0;
    position: fixed; top: 70px; left: 0; right: 0;
    background: rgba(7,15,30,0.98); backdrop-filter: blur(18px);
    border-bottom: 1px solid rgba(0,212,140,0.1);
    padding: 1rem 5% 1.5rem; z-index: 99;
    box-shadow: 0 8px 32px rgba(0,0,0,0.3);
    animation: slideDown .25s ease;
  }
  @keyframes slideDown {
    from { opacity: 0; transform: translateY(-10px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  .nav-links.open li { width: 100%; }
  .nav-link-item {
    display: block; padding: .85rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    font-size: 1rem !important; color: rgba(255,255,255,0.8) !important;
    font-weight: 600 !important;
  }
  .nav-link-item:hover { color: var(--primary) !important; }
  .nav-mobile-btns {
    display: flex !important; gap: .8rem; padding-top: 1.2rem;
    width: 100%; flex-wrap: wrap;
  }
  .nav-mobile-btns .btn { flex: 1; justify-content: center; }

  .features-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .wallet-mockup, .commission-mockup, .borrowers-mockup { width: 100%; max-width: 340px; }
  .app-text { text-align: center; }
  .app-btns { justify-content: center; }
  .contact-row { grid-template-columns: 1fr; }
  .contact-wrap { padding: 1.5rem; }
}