/* ============================================================
   SPEED MONEY LENDING — Bold Redesign
   Fonts: Bebas Neue (display) + Playfair Display (serif italic)
          Syne (labels) + Figtree (body)
   ============================================================ */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;overflow-x:hidden;}
:root{
  --green:#2d7a3a;--green-l:#3fa050;--green-d:#1c5226;--green-xd:#0f2014;
  --gold:#c9a84c;--gold-l:#e2c97a;--gold-pale:#f5ecc8;
  --cream:#faf8f2;--off:#f2ede4;--white:#fff;
  --dark:#0d0d0d;--dark2:#141414;--dark3:#1c1c1c;
  --gray:#6b6b6b;--glight:#d8d4cc;--gxlight:#ece8e0;
  --shadow-lg:0 24px 80px rgba(0,0,0,0.18);
  --r:10px;--r2:18px;--r3:28px;
  --ease:cubic-bezier(.4,0,.2,1);
  --fD:'Bebas Neue',Impact,sans-serif;
  --fS:'Playfair Display',Georgia,serif;
  --fL:'Syne',system-ui,sans-serif;
  --fB:'Figtree',system-ui,sans-serif;
}
body{font-family:var(--fB);background:var(--cream);color:var(--dark);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;}

::selection {
  background: var(--gold, #c9a84c);
  color: var(--dark, #0d0d0d);
}

::-moz-selection {
  background: var(--gold, #c9a84c);
  color: var(--dark, #0d0d0d);
}

/* Webkit Scrollbar Styles */
::-webkit-scrollbar {
  width: 10px;
  height: 10px;
}

::-webkit-scrollbar-track {
  background: var(--dark2, #141414);
  border-radius: 10px;
}

::-webkit-scrollbar-thumb {
  background: var(--green, #2d7a3a);
  border-radius: 10px;
  transition: background 0.2s ease;
}

::-webkit-scrollbar-thumb:hover {
  background: var(--green-l, #3fa050);
}

::-webkit-scrollbar-thumb:active {
  background: var(--green-d, #1c5226);
}

/* ── PAGE LOADER ── */
.page-loader{position:fixed;inset:0;background:var(--dark);z-index:99999;display:flex;align-items:center;justify-content:center;transition:opacity .6s,visibility .6s;}
.page-loader.done{opacity:0;visibility:hidden;}
.loader-inner{display:flex;flex-direction:column;align-items:center;gap:20px;}
.loader-logo{width:64px;height:64px;object-fit:contain;animation:logoPulse 1s ease infinite;}
@keyframes logoPulse{0%,100%{transform:scale(1);}50%{transform:scale(1.08);}}
.loader-bar{width:200px;height:2px;background:rgba(255,255,255,.1);border-radius:2px;overflow:hidden;}
.loader-fill{height:100%;background:linear-gradient(90deg,var(--green),var(--gold));border-radius:2px;width:0;transition:width .05s linear;}
.loader-text{font-family:var(--fL);font-size:.65rem;letter-spacing:.25em;text-transform:uppercase;color:rgba(255,255,255,.4);}

/* ── REVEAL ── */
.reveal{opacity:0;transform:translateY(36px);transition:opacity .8s var(--ease),transform .8s var(--ease);}
.reveal.visible{opacity:1;transform:translateY(0);}

/* ── SHARED ── */
section{padding:100px 36px;}
.section-inner{max-width:1280px;margin:0 auto;}
.big-label{font-family:var(--fL);font-size:.65rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--green);margin-bottom:16px;display:flex;align-items:center;gap:10px;}
.big-label::before{content:'';display:block;width:28px;height:1.5px;background:var(--green);}
.big-label.light{color:var(--gold-l);}
.big-label.light::before{background:var(--gold-l);}
.section-h2{font-family:var(--fD);font-size:clamp(3rem,5.5vw,5.5rem);line-height:1;letter-spacing:.02em;color:var(--dark);margin-bottom:24px;}
.section-h2 em{font-family:var(--fS);font-style:italic;color:var(--green);font-size:.82em;letter-spacing:0;}
.section-h2.white{color:var(--white);}
.section-h2.white em{color:var(--gold-l);}
.btn-green{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;background:var(--green);color:var(--white);border:none;border-radius:var(--r);font-family:var(--fL);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;cursor:pointer;transition:all .3s var(--ease);}
.btn-green:hover{background:var(--green-d);transform:translateY(-2px);box-shadow:0 10px 30px rgba(45,122,58,.35);}

/* ── NAVBAR ── */
header{position:fixed;width:100%;z-index:100;top:0;transition:background .3s var(--ease),box-shadow .3s var(--ease);}
header.scrolled{background:rgba(13,13,13,.96)!important;box-shadow:0 1px 30px rgba(0,0,0,.4);}
.nav-container{display:flex;justify-content:space-between;align-items:center;padding:18px 36px;background:transparent;transition:background .3s;}
.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none;}
.nav-logo img{width:40px;height:40px;object-fit:contain;}
.logo-text{display:flex;flex-direction:column;line-height:1;}
.logo-main{font-family:var(--fD);font-size:1.1rem;letter-spacing:.06em;color:var(--white);}
.logo-sub{font-family:var(--fL);font-size:.55rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);}
.nav-links{display:flex;gap:32px;list-style:none;}
.nav-link{text-decoration:none;font-family:var(--fL);font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.7);position:relative;transition:color .25s;}
.nav-link::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:1px;background:var(--gold);transition:width .3s var(--ease);}
.nav-link:hover{color:var(--white);}
.nav-link:hover::after{width:100%;}
.nav-right{display:flex;align-items:center;gap:12px;}
.nav-phone-btn{display:flex;align-items:center;gap:8px;text-decoration:none;font-family:var(--fS);font-size:.95rem;font-weight:700;color:rgba(255,255,255,.75);letter-spacing:.04em;transition:color .25s;}
.nav-phone-btn:hover{color:var(--gold-l);}
.phone-pulse{display:block;width:7px;height:7px;background:var(--green-l);border-radius:50%;position:relative;}
.phone-pulse::after{content:'';position:absolute;inset:-4px;border:1.5px solid var(--green-l);border-radius:50%;animation:pp 1.6s ease infinite;}
@keyframes pp{0%{transform:scale(1);opacity:1;}100%{transform:scale(2.2);opacity:0;}}
.nav-cta-btn{display:flex;align-items:center;padding:9px 20px;background:var(--green);color:var(--white);text-decoration:none;border-radius:var(--r);font-family:var(--fL);font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;transition:all .3s var(--ease);}
.nav-cta-btn:hover{background:var(--gold);color:var(--dark);}
.hamburger{display:none;flex-direction:column;gap:5px;width:32px;cursor:pointer;background:none;border:none;padding:4px;}
.hamburger span{display:block;width:100%;height:2px;background:var(--white);border-radius:2px;transition:transform .28s,opacity .2s;transform-origin:center;}
.hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.active span:nth-child(2){opacity:0;transform:scaleX(0);}
.hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.mobile-menu{max-height:0;overflow:hidden;transition:max-height .4s var(--ease);background:var(--dark2);border-top:1px solid rgba(255,255,255,.06);}
.mobile-menu.active{max-height:380px;}
.mobile-menu ul{list-style:none;padding:12px 24px 24px;}
.mobile-menu ul li{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.06);}
.mobile-menu ul li:last-child{border-bottom:none;}
.mobile-menu ul li a{text-decoration:none;font-family:var(--fL);font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.7);transition:color .2s;}
.mobile-menu ul li a:hover{color:var(--gold-l);}

/* ── HERO ── */
.hero-section{position:relative;min-height:60vh;display:flex;flex-direction:column;justify-content:center;padding:130px 36px 60px;overflow:hidden;}
.hero-bg{position:absolute;inset:0;}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 60%;}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(130deg,rgba(5,15,8,.9) 0%,rgba(10,28,14,.82) 45%,rgba(0,0,0,.7) 100%);}
.hero-grain{position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");opacity:.6;pointer-events:none;}
.hero-marquee-wrap{position:absolute;top:0;left:0;right:0;overflow:hidden;padding:14px 0;background:rgba(0,0,0,.4);backdrop-filter:blur(4px);border-bottom:1px solid rgba(255,255,255,.06);z-index:5;}
.hero-marquee{display:flex;gap:32px;white-space:nowrap;animation:marqueeScroll 25s linear infinite;}
.hero-marquee span{font-family:var(--fL);font-size:.6rem;font-weight:700;letter-spacing:.2em;color:rgba(255,255,255,.45);}
.hero-marquee .msep{color:var(--gold);font-size:.5rem;}
@keyframes marqueeScroll{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.hero-content{position:relative;z-index:10;max-width:1280px;margin:0 auto;width:100%;display:grid;grid-template-columns:1fr 440px;gap:80px;align-items:center;}
.hero-left{color:var(--white);}
.hero-label{display:inline-flex;align-items:center;gap:10px;font-family:var(--fL);font-size:.62rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-l);margin-bottom:28px;padding:7px 18px 7px 10px;border:1px solid rgba(201,168,76,.2);border-radius:100px;background:rgba(201,168,76,.06);backdrop-filter:blur(8px);}
.label-dot{width:7px;height:7px;background:var(--green-l);border-radius:50%;animation:pp 1.8s infinite;}
.hero-h1{font-family:var(--fD);font-size:clamp(4rem,8.5vw,8rem);line-height:.92;letter-spacing:.03em;margin-bottom:28px;color:var(--white);}
.italic-gold{font-family:var(--fS);font-style:italic;color:var(--gold-l);font-size:.75em;letter-spacing:0;display:block;}
.hero-sub{font-family:var(--fB);font-size:1.05rem;color:rgba(255,255,255,.65);line-height:1.7;margin-bottom:36px;max-width:420px;}
.hero-btns{display:flex;gap:14px;margin-bottom:48px;flex-wrap:wrap;}
.btn-hero-primary{display:inline-flex;align-items:center;gap:8px;padding:15px 32px;background:var(--green);color:var(--white);text-decoration:none;border-radius:var(--r);font-family:var(--fL);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;transition:all .3s var(--ease);}
.btn-hero-primary:hover{background:var(--gold);color:var(--dark);transform:translateY(-2px);}
.btn-hero-ghost{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;background:transparent;color:rgba(255,255,255,.8);border:1.5px solid rgba(255,255,255,.25);text-decoration:none;border-radius:var(--r);font-family:var(--fL);font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;transition:all .3s var(--ease);}
.btn-hero-ghost:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.4);}
.hero-stats-row{display:flex;align-items:center;gap:0;}
.h-stat{display:flex;flex-direction:column;padding:0 32px;}
.h-stat:first-child{padding-left:0;}
.h-num{font-family:var(--fD);font-size:2.4rem;line-height:1;color:var(--white);}
.h-num em{font-family:var(--fB);font-style:normal;font-size:.55em;color:var(--gold-l);margin-left:2px;}
.h-lbl{font-family:var(--fL);font-size:.58rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-top:4px;}
.h-div{width:1px;height:44px;background:rgba(255,255,255,.15);flex-shrink:0;}
/* HERO FORM */
.hero-form-card{background:var(--white);border-radius:var(--r3);overflow:hidden;box-shadow:var(--shadow-lg);}
.form-card-header{background:linear-gradient(135deg,var(--green-d),var(--green));padding:28px 32px 24px;}
.form-card-header h3{font-family:var(--fD);font-size:1.8rem;letter-spacing:.04em;color:var(--white);margin-bottom:4px;}
.form-card-header p{font-family:var(--fB);font-size:.8rem;color:rgba(255,255,255,.6);}
#loanForm{padding:28px 32px 32px;}
/* Floating label fields */
.fld-group{position:relative;margin-bottom:20px;}
.fld-group input,.fld-group textarea{width:100%;padding:18px 16px 6px;border:1.5px solid var(--glight);border-radius:var(--r);background:var(--off);font-family:var(--fB);font-size:.92rem;color:var(--dark);transition:border-color .25s,box-shadow .25s,background .25s;appearance:none;}
.fld-group input:focus,.fld-group textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(45,122,58,.12);background:var(--white);}
.fld-group label{position:absolute;left:16px;top:12px;font-family:var(--fL);font-size:.65rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);pointer-events:none;transition:all .2s var(--ease);}
.fld-group input:focus ~ label,.fld-group input:not(:placeholder-shown) ~ label,
.fld-group textarea:focus ~ label,.fld-group textarea:not(:placeholder-shown) ~ label{top:6px;font-size:.55rem;color:var(--green);}
.fld-group input.error,.fld-group textarea.error{border-color:#c0392b;}
.fld-err{display:block;font-size:.67rem;color:#c0392b;margin-top:4px;min-height:16px;font-family:var(--fB);}
.form-submit-btn{width:100%;padding:15px;background:var(--dark);color:var(--white);border:none;border-radius:var(--r);font-family:var(--fL);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;cursor:pointer;transition:all .3s var(--ease);display:flex;align-items:center;justify-content:center;gap:10px;}
.form-submit-btn:hover{background:var(--green);transform:translateY(-2px);box-shadow:0 8px 24px rgba(45,122,58,.35);}
.btn-arrow{transition:transform .3s var(--ease);}
.form-submit-btn:hover .btn-arrow{transform:translateX(5px);}
.form-lock{text-align:center;font-size:.66rem;color:#aaa;margin-top:12px;font-family:var(--fB);}
/* scroll hint */
.scroll-hint{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);z-index:10;display:flex;flex-direction:column;align-items:center;gap:8px;}
.scroll-line{display:block;width:1px;height:44px;background:rgba(255,255,255,.2);position:relative;overflow:hidden;}
.scroll-line::after{content:'';position:absolute;top:0;width:100%;height:50%;background:rgba(255,255,255,.8);animation:scrollAnim 1.8s ease infinite;}
@keyframes scrollAnim{0%{top:-50%;}100%{top:150%;}}
.scroll-txt{font-family:var(--fL);font-size:.55rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.35);}

/* ── TICKER STRIP ── */
.ticker-strip{background:var(--green-d);border-bottom:1px solid rgba(255,255,255,.08);overflow:hidden;padding:14px 0;}
.ticker-track{display:flex;gap:40px;white-space:nowrap;animation:ticker 10s linear infinite;}
.ticker-track span{font-family:var(--fL);font-size:.6rem;font-weight:700;letter-spacing:.2em;color:rgba(255,255,255,.5);}
.ticker-track .tdot{color:var(--gold);font-size:.5rem;}
@keyframes ticker{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}

/* ── ABOUT ── */
.about-section{background:var(--cream);}
.about-layout{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center;}
.about-left p{font-size:.97rem;color:var(--gray);line-height:1.85;margin-bottom:18px;font-family:var(--fB);}
.about-bq{font-family:var(--fS);font-size:1.15rem;font-style:italic;color:var(--green-d);border-left:3px solid var(--gold);padding:14px 20px;background:var(--off);border-radius:0 var(--r) var(--r) 0;margin:28px 0 32px;}
.about-img-stack{position:relative;padding-bottom:40px;padding-right:30px;}
.about-img-main{width:100%;border-radius:var(--r2);object-fit:cover;max-height:500px;box-shadow:var(--shadow-lg);display:block;}
.about-img-float{position:absolute;bottom:-20px;right:-20px;width:220px;height:180px;object-fit:cover;border-radius:var(--r2);border:4px solid var(--white);box-shadow:var(--shadow-lg);}
.about-badge-card{position:absolute;top:24px;left:-20px;background:linear-gradient(135deg,var(--gold),var(--gold-l));color:var(--dark);padding:18px 22px;border-radius:var(--r2);box-shadow:var(--shadow-lg);text-align:center;}
.abnum{display:block;font-family:var(--fD);font-size:1.6rem;letter-spacing:.04em;}
.ablbl{display:block;font-family:var(--fL);font-size:.55rem;letter-spacing:.14em;text-transform:uppercase;margin-top:2px;opacity:.7;}

/* ── PROCESS ── */
.process-section{background:var(--dark);padding:100px 36px;}
.process-header{margin-bottom:64px;}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;}
.process-card{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.07);padding:40px 28px;position:relative;overflow:hidden;transition:all .35s var(--ease);}
.process-card:hover{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15);}
.process-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--green),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);}
.process-card:hover::after{transform:scaleX(1);}
.pc-number{font-family:var(--fD);font-size:5rem;line-height:1;color:rgba(255,255,255,.06);position:absolute;top:16px;right:16px;letter-spacing:.02em;}
.pc-icon{width:48px;height:48px;border-radius:12px;background:rgba(45,122,58,.2);border:1px solid rgba(45,122,58,.3);display:flex;align-items:center;justify-content:center;margin-bottom:24px;}
.pc-icon svg{width:22px;height:22px;stroke:var(--green-l);}
.process-card h3{font-family:var(--fD);font-size:1.6rem;letter-spacing:.04em;color:var(--white);margin-bottom:12px;}
.process-card p{font-size:.87rem;color:rgba(255,255,255,.5);line-height:1.75;}

/* ── STATS ── */
.stats-section{position:relative;padding:100px 36px;overflow:hidden;}
.stats-bg-img{position:absolute;inset:0;}
.stats-bg-img img{width:100%;height:100%;object-fit:cover;}
.stats-overlay{position:absolute;inset:0;background:rgba(5,15,8,.88);}
.stats-grid{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;}
.stat-item{padding:60px 40px;text-align:center;border:1px solid rgba(255,255,255,.06);position:relative;overflow:hidden;transition:background .3s;}
.stat-item:hover{background:rgba(45,122,58,.15);}
.stat-item::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--green),var(--gold));transform:scaleX(0);transition:transform .4s;}
.stat-item:hover::after{transform:scaleX(1);}
.stat-num{font-family:var(--fD);font-size:clamp(2.2rem,6vw,6rem);letter-spacing:.02em;color:var(--white);line-height:1;}
.stat-suf{font-family:var(--fS);font-style:italic;font-size:2.5rem;color:var(--gold-l);vertical-align:super;}
.stat-lbl{display:block;font-family:var(--fL);font-size:.65rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-top:12px;}

/* ── INVESTMENTS CAROUSEL ── */
.investments-section { background: var(--off); overflow: hidden; }
.inv-header { margin-bottom: 48px; }
.inv-hrow { display: flex; align-items: flex-end; justify-content: space-between; }
.inv-arrows { display: flex; gap: 10px; margin-bottom: 8px; }
.inv-arr {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--white); border: 1.5px solid var(--gxlight);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: all .25s var(--ease);
}
.inv-arr svg { width: 18px; height: 18px; stroke: var(--dark); }
.inv-arr:hover { background: var(--green); border-color: var(--green); }
.inv-arr:hover svg { stroke: var(--white); }

/* Viewport clips the track */
.inv-viewport {
  overflow: hidden;
  border-radius: var(--r2);
  margin-bottom: 20px;
}

/* Track: flex row, no wrap, transitions via JS */
.inv-track {
  display: flex;
  gap: 20px;
  transition: transform .5s cubic-bezier(.4,0,.2,1);
  will-change: transform;
  cursor: pointer;
  user-select: none;
}
.inv-track.no-transition { transition: none !important; }
.inv-track:active { cursor: grabbing; }

/* Card sizes: desktop = 3 visible, tablet = 2, mobile = 1 */
.inv-card {
  flex-shrink: 0;
  border-radius: var(--r2);
  overflow: hidden;
  background: var(--white);
  box-shadow: 0 8px 32px rgba(0,0,0,.08);
  transition: transform .35s, box-shadow .35s;
  /* width set by JS */
}
.inv-card:hover { transform: translateY(-6px); box-shadow: 0 20px 60px rgba(0,0,0,.14); }
.inv-card img {
  width: 100%; height: 240px; object-fit: cover; display: block;
  filter: grayscale(40%); transition: filter .5s; pointer-events: none;
}
.inv-card:hover img { filter: grayscale(0%); }
.inv-body { padding: 28px 28px 32px; }
.inv-n {
  font-family: var(--fL); font-size: .58rem; font-weight: 700;
  letter-spacing: .18em; color: var(--gold); text-transform: uppercase;
  display: block; margin-bottom: 8px;
}
.inv-card h3 {
  font-family: var(--fD); font-size: 1.5rem;
  letter-spacing: .04em; color: var(--dark); margin-bottom: 8px;
}
.inv-card p { font-size: .86rem; color: var(--gray); line-height: 1.7; }

/* Dots */
.inv-dots {
  display: flex; justify-content: center; gap: 8px; margin-top: 4px;
}
.inv-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gxlight); border: none; cursor: pointer;
  transition: all .25s; padding: 0;
}
.inv-dot.active {
  background: var(--green); width: 28px; border-radius: 4px;
}

/* Optimize for tab switching */
.investments-section {
  contain: layout style paint; /* Improves rendering performance */
}

.inv-track {
  will-change: transform;
  backface-visibility: hidden; /* Prevents flickering */
}

/* Reduce reflows */
.inv-card {
  contain: content;
}

@media (max-width: 768px) {
  .inv-card img { height: 200px; }
  .inv-body { padding: 20px; }
  .inv-card h3 { font-size: 1.25rem; }
}

/* ── IMAGE MARQUEE ── */
.img-marquee-section{overflow:hidden;padding:0;line-height:0;background:var(--dark);}
.img-marquee-track{display:flex;gap:0;animation:imgScroll 35s linear infinite;width:max-content;}
.img-marquee-track:hover{animation-play-state:paused;}
.im-item{width:320px;height:220px;overflow:hidden;flex-shrink:0;}
.im-item img{width:100%;height:100%;object-fit:cover;filter:grayscale(60%) brightness(.85);transition:filter .4s;}
.im-item:hover img{filter:grayscale(0%) brightness(1);}
@keyframes imgScroll{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}

/* ── BENTO GRID ── */
.bento-section{background:var(--cream);overflow:hidden;}
.bento-header{margin-bottom:52px;}
.bento-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-template-rows:auto;gap:16px;}
.bento-card{background:var(--white);border:1px solid var(--gxlight);border-radius:var(--r3);padding:40px 36px;transition:all .35s var(--ease);position:relative;overflow:hidden;}
.bento-card:hover{transform:translateY(-4px);box-shadow:0 20px 60px rgba(0,0,0,.1);}
.bento-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--green),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);}
.bento-card:hover::before{transform:scaleX(1);}
.bento-large{grid-column:span 2;background:linear-gradient(135deg,var(--green-xd),var(--green-d));border-color:transparent;}
.bento-large:hover{background:linear-gradient(135deg,var(--green-d),var(--green));box-shadow:0 20px 60px rgba(45,122,58,.35);}
.bento-large::before{display:none;}
.bento-icon-big{margin-bottom:20px;}
.bento-icon-big svg{width:48px;height:48px;stroke:var(--gold);opacity:.7;}
.bento-icon-mid{width:36px;height:36px;stroke:var(--green);opacity:.7;margin-bottom:16px;}
.bento-large h3{font-family:var(--fD);font-size:2.2rem;letter-spacing:.04em;color:var(--white);margin-bottom:12px;line-height:1.05;}
.bento-large p{font-size:.9rem;color:rgba(255,255,255,.6);line-height:1.75;max-width:440px;}
.bento-pill{display:inline-block;margin-top:20px;padding:7px 18px;background:var(--gold);color:var(--dark);border-radius:100px;font-family:var(--fL);font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;}
.bento-tall{grid-row:span 1;}
.bento-bignum{font-family:var(--fD);font-size:4rem;line-height:1;color:var(--green);letter-spacing:.02em;margin-bottom:12px;}
.bento-bignum.sm{font-size:3rem;}
.bento-card h3{font-family:var(--fD);font-size:1.4rem;letter-spacing:.04em;color:var(--dark);margin-bottom:8px;}
.bento-card p{font-size:.86rem;color:var(--gray);line-height:1.7;}
.bento-map{padding:0;overflow:hidden;border-radius:var(--r3);position:relative;}
.bento-map img{width:100%;height:100%;object-fit:cover;display:block;min-height:200px;}
.bento-map-label{position:absolute;bottom:0;left:0;right:0;background:linear-gradient(to top,rgba(0,0,0,.7),transparent);padding:20px;font-family:var(--fL);font-size:.62rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.8);}

/* ── TESTIMONIALS ── */
.testimonials-section{background:var(--dark);overflow:hidden;padding:100px 36px;}
.testi-top{margin-bottom:48px;}
.testi-top-row{display:flex;align-items:flex-end;justify-content:space-between;}
.testi-arrows{display:flex;gap:10px;margin-bottom:10px;}
.testi-arr{width:52px;height:52px;border-radius:50%;background:rgba(255,255,255,.06);border:1.5px solid rgba(255,255,255,.1);color:rgba(255,255,255,.8);font-size:1.1rem;cursor:pointer;transition:all .25s var(--ease);display:flex;align-items:center;justify-content:center;}
.testi-arr:hover{background:var(--green);border-color:var(--green);color:var(--white);}
.testi-carousel-wrap{overflow:hidden;border-radius:var(--r2);}
.testi-carousel{display:flex;transition:transform .55s cubic-bezier(.4,0,.2,1);}
.testi-slide{min-width:100%;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:var(--r2);padding:56px 60px;position:relative;}
.testi-slide::before{content:'"';font-family:var(--fS);font-size:10rem;line-height:1;color:var(--green);opacity:.1;position:absolute;top:8px;left:40px;}
.testi-stars{color:var(--gold);font-size:1.1rem;letter-spacing:4px;margin-bottom:20px;}
.testi-slide blockquote{font-family:var(--fS);font-size:1.4rem;font-style:italic;line-height:1.65;color:rgba(255,255,255,.9);margin-bottom:32px;max-width:820px;font-weight:400;}
.testi-author{display:flex;align-items:center;gap:16px;}
.testi-av{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--green),var(--green-l));display:flex;align-items:center;justify-content:center;font-family:var(--fL);font-size:.72rem;font-weight:700;color:var(--white);flex-shrink:0;}
.testi-author strong{display:block;font-family:var(--fL);font-weight:700;font-size:.9rem;color:var(--white);}
.testi-author span{display:block;font-size:.75rem;color:rgba(255,255,255,.45);letter-spacing:.06em;margin-top:3px;}
.testi-dots-row{display:flex;justify-content:center;gap:8px;margin-top:28px;}
.testi-dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.2);cursor:pointer;transition:all .25s;border:none;padding:0;}
.testi-dot.active{background:var(--gold);width:28px;border-radius:4px;}

/* ── FAQ ── */
.faq-section{background:var(--off);}
.faq-layout{display:grid;grid-template-columns:380px 1fr;gap:80px;align-items:start;}
.faq-left p{font-size:.95rem;color:var(--gray);line-height:1.8;margin-bottom:32px;}
.faq-right{display:flex;flex-direction:column;}
.faq-item{border-bottom:1px solid var(--gxlight);}
.faq-item:first-child{border-top:1px solid var(--gxlight);}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:16px;width:100%;padding:22px 0;background:none;border:none;cursor:pointer;text-align:left;font-family:var(--fD);font-size:1.3rem;letter-spacing:.03em;color:var(--dark);transition:color .25s;}
.faq-q:hover{color:var(--green);}
.faq-q[aria-expanded="true"]{color:var(--green);}
.faq-icon{font-family:var(--fB);font-size:1.4rem;font-weight:300;color:var(--green);transition:transform .3s var(--ease);line-height:1;flex-shrink:0;}
.faq-q[aria-expanded="true"] .faq-icon{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease);}
.faq-a p{font-size:.92rem;color:var(--gray);line-height:1.8;padding-bottom:22px;}

/* ── CONTACT ── */
.contact-section{position:relative;padding:100px 36px;overflow:hidden;}
.contact-bg{position:absolute;inset:0;}
.contact-bg img{width:100%;height:100%;object-fit:cover;}
.contact-overlay{position:absolute;inset:0;background:linear-gradient(130deg,rgba(5,15,8,.95) 0%,rgba(10,28,14,.88) 100%);}
.contact-grid{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;}
.contact-left p{font-size:.95rem;color:rgba(255,255,255,.6);line-height:1.8;margin-bottom:36px;}
.ci-list{display:flex;flex-direction:column;}
.ci-item{display:flex;align-items:center;gap:14px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.08);text-decoration:none;font-size:.9rem;color:rgba(255,255,255,.65);transition:color .25s;}
.ci-item:last-child{border-bottom:none;}
.ci-item:hover{color:var(--gold-l);}
.ci-icon{width:40px;height:40px;border-radius:10px;background:rgba(45,122,58,.2);border:1px solid rgba(45,122,58,.3);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.ci-icon svg{width:18px;height:18px;stroke:var(--green-l);}
.inquiry-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--r3);padding:40px 36px;backdrop-filter:blur(12px);}
.inquiry-card h3{font-family:var(--fD);font-size:1.8rem;letter-spacing:.04em;color:var(--white);margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid rgba(255,255,255,.08);}
.inquiry-card .fld-group input,.inquiry-card .fld-group textarea{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.12);color:var(--white);}
.inquiry-card .fld-group input::placeholder,.inquiry-card .fld-group textarea::placeholder{color:transparent;}
.inquiry-card .fld-group input:focus,.inquiry-card .fld-group textarea:focus{background:rgba(255,255,255,.1);border-color:var(--green-l);}
.inquiry-card .fld-group label{color:rgba(255,255,255,.45);}
.inquiry-card .fld-group input:focus ~ label,.inquiry-card .fld-group input:not(:placeholder-shown) ~ label,.inquiry-card .fld-group textarea:focus ~ label,.inquiry-card .fld-group textarea:not(:placeholder-shown) ~ label{color:var(--gold-l);}
.inquiry-card .form-submit-btn{background:var(--green);}
.inquiry-card .form-submit-btn:hover{background:var(--gold);color:var(--dark);}

/* ── FOOTER ── */
footer{background:var(--dark);color:rgba(255,255,255,.55);padding:72px 36px 0;position:relative;overflow:hidden;}
.footer-inner{max-width:1280px;margin:0 auto;position:relative;z-index:2;}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:60px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.07);margin-bottom:32px;}
.footer-logo-link{display:flex;align-items:center;gap:12px;text-decoration:none;margin-bottom:16px;}
.footer-logo-link img{width:40px;opacity:.9;}
.footer-logo-link span{font-family:var(--fD);font-size:1.2rem;letter-spacing:.04em;color:var(--white);}
.footer-brand p{font-size:.84rem;line-height:1.75;color:rgba(255,255,255,.4);max-width:280px;margin-bottom:24px;}
.footer-social{display:flex;gap:10px;}
.fsoc{width:36px;height:36px;border-radius:9px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;text-decoration:none;color:rgba(255,255,255,.45);transition:all .25s;}
.fsoc svg{width:16px;height:16px;}
.fsoc:hover{background:var(--green);border-color:var(--green);color:var(--white);}
.footer-col h4{font-family:var(--fL);font-size:.62rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:20px;}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:12px;}
.footer-col ul li a{text-decoration:none;font-size:.85rem;color:rgba(255,255,255,.5);transition:color .2s;}
.footer-col ul li a:hover{color:var(--gold-l);}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;font-size:.73rem;color:rgba(255,255,255,.25);flex-wrap:wrap;gap:8px;padding-bottom:32px;}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .process-grid{grid-template-columns:repeat(2,1fr);}
  .stats-grid{grid-template-columns:repeat(2,1fr);}
  .faq-layout{grid-template-columns:1fr;gap:44px;}
  .bento-grid{grid-template-columns:1fr 1fr;}
  .bento-large{grid-column:span 2;}
  .footer-top{grid-template-columns:1fr 1fr;}
  .footer-brand{grid-column:1/-1;}
}
@media(max-width:900px){
  .hero-content{grid-template-columns:1fr;gap:40px;}
  .about-layout{grid-template-columns:1fr;gap:52px;}
  .contact-grid{grid-template-columns:1fr;gap:44px;}
  .testi-slide{padding:40px 32px;}
  .testi-slide blockquote{font-size:1.1rem;}
  .inv-card{min-width:300px;}
}
@media(max-width:768px){
  section{padding:72px 20px;}
  .nav-container{padding:14px 20px;}
  .nav-links,.nav-right{display:none;}
  .hamburger{display:flex;}
  .hero-section{padding:110px 20px 56px;}
  .hero-h1{font-size:clamp(3.5rem,12vw,5rem);}
  .hero-stats-row{flex-wrap:wrap;gap:4px;}
  .h-stat{padding:8px 16px;}
  .h-div{display:none;}
  .hero-btns{flex-direction:column;gap:10px;}
  .process-grid{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .bento-grid{grid-template-columns:1fr;}
  .bento-large{grid-column:span 1;}
  .inv-card{min-width:280px;}
  .footer-top{grid-template-columns:1fr;}
  .footer-brand{grid-column:auto;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .im-item{width:240px;height:180px;}
  .testi-top-row{flex-direction:column;align-items:flex-start;gap:16px;}
}
@media(max-width:480px){
  .hero-h1{font-size:3rem;}
  .section-h2{font-size:2.8rem;}
  #loanForm{padding:24px 20px;}
  .form-card-header{padding:22px 20px;}
  .testi-slide{padding:28px 20px;}
  .inquiry-card{padding:28px 20px;}
  .stat-item{padding:40px 20px;}
}