*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
        :root {
            --dark: #111827;
            --dark-lighter: #1F2937;
            --dark-card: #1a2236;
            --accent: #6366F1;
            --accent-light: #818CF8;
            --accent-dark: #4F46E5;
            --purple: #8B5CF6;
            --pink: #EC4899;
            --cyan: #06B6D4;
            --light: #F9FAFB;
            --white: #FFFFFF;
            --gray-100: #F3F4F6;
            --gray-200: #E5E7EB;
            --gray-300: #D1D5DB;
            --gray-400: #9CA3AF;
            --gray-500: #6B7280;
            --gray-600: #4B5563;
            --radius: 24px;
            --radius-sm: 16px;
            --radius-xs: 12px;
            --shadow: 0 1px 3px rgba(0,0,0,0.06), 0 4px 16px rgba(0,0,0,0.06);
            --shadow-lg: 0 4px 24px rgba(0,0,0,0.08), 0 12px 48px rgba(0,0,0,0.08);
            --shadow-xl: 0 8px 40px rgba(0,0,0,0.12), 0 24px 64px rgba(0,0,0,0.12);
            --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
            --font-primary: 'Satoshi', sans-serif;
            --font-secondary: 'Inter', sans-serif;
        }
        html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
        body { font-family: var(--font-primary); color: var(--dark); background: var(--light); line-height: 1.6; overflow-x: hidden; }
        h1, h2, h3, h4, h5, h6 { font-family: var(--font-primary); line-height: 1.15; letter-spacing: -0.02em; }
        img { max-width: 100%; display: block; }
        a { text-decoration: none; color: inherit; }
        .container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
        .section-label { font-family: var(--font-secondary); font-size: 11px; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--accent); display: inline-flex; align-items: center; gap: 8px; margin-bottom: 16px; }
        .section-label::before { content: ''; width: 24px; height: 2px; background: var(--accent); border-radius: 2px; }
        .section-title { font-size: clamp(2rem, 5vw, 3.25rem); font-weight: 700; color: var(--dark); margin-bottom: 16px; }
        .section-subtitle { font-family: var(--font-secondary); font-size: 1.1rem; color: var(--gray-500); max-width: 600px; line-height: 1.7; }
        .btn { display: inline-flex; align-items: center; gap: 10px; padding: 16px 36px; border-radius: 60px; font-family: var(--font-primary); font-size: 15px; font-weight: 600; border: none; cursor: pointer; transition: var(--transition); position: relative; overflow: hidden; }
        .btn-primary { background: var(--accent); color: var(--white); box-shadow: 0 4px 20px rgba(99,102,241,0.35); }
        .btn-primary:hover { background: var(--accent-dark); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(99,102,241,0.45); }
        .btn-outline { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.3); }
        .btn-outline:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.5); }
        .btn-dark { background: var(--dark); color: var(--white); box-shadow: 0 4px 20px rgba(0,0,0,0.15); }
        .btn-dark:hover { background: var(--dark-lighter); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,0.2); }
        .btn-white { background: var(--white); color: var(--dark); box-shadow: 0 4px 20px rgba(0,0,0,0.08); }
        .btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,0.12); }
        .glass { background: rgba(255,255,255,0.08); backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px); border: 1px solid rgba(255,255,255,0.12); }
        .glass-light { background: rgba(255,255,255,0.75); backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px); border: 1px solid rgba(255,255,255,0.9); }
        .neon-gradient { background: linear-gradient(135deg, #6366F1, #8B5CF6, #EC4899); }
        .neon-text { background: linear-gradient(135deg, #6366F1, #8B5CF6, #EC4899); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
        .reveal { opacity: 0; transform: translateY(40px); transition: opacity 0.8s cubic-bezier(0.16,1,0.3,1), transform 0.8s cubic-bezier(0.16,1,0.3,1); }
        .reveal.active { opacity: 1; transform: translateY(0); }
        .reveal-delay-1 { transition-delay: 0.1s; }
        .reveal-delay-2 { transition-delay: 0.2s; }
        .reveal-delay-3 { transition-delay: 0.3s; }
        .reveal-delay-4 { transition-delay: 0.4s; }

        /* NAV */
        .navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; padding: 0 24px; transition: var(--transition); }
        .navbar.scrolled { background: rgba(17,24,39,0.92); backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px); border-bottom: 1px solid rgba(255,255,255,0.06); }
        .navbar-inner { max-width: 1280px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; height: 80px; }
        .logo { display: flex; align-items: center; gap: 12px; font-size: 1.3rem; font-weight: 700; color: var(--white); }
        .logo-icon { width: 42px; height: 42px; border-radius: 14px; background: var(--accent); display: flex; align-items: center; justify-content: center; font-size: 18px; color: var(--white); }
        .nav-links { display: flex; align-items: center; gap: 8px; }
        .nav-links a { padding: 8px 18px; font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.7); border-radius: 40px; transition: var(--transition); }
        .nav-links a:hover, .nav-links a.active { color: var(--white); background: rgba(255,255,255,0.1); }
        .nav-cta { margin-left: 16px; }
        .nav-cta .btn { padding: 12px 28px; font-size: 13px; }
        .mobile-toggle { display: none; background: none; border: none; color: var(--white); font-size: 24px; cursor: pointer; padding: 8px; }
        .mobile-menu { display: none; position: fixed; top: 0; right: -100%; width: 320px; height: 100vh; background: rgba(17,24,39,0.98); backdrop-filter: blur(30px); -webkit-backdrop-filter: blur(30px); z-index: 1001; padding: 100px 32px 32px; transition: right 0.5s cubic-bezier(0.16,1,0.3,1); flex-direction: column; gap: 8px; }
        .mobile-menu.open { right: 0; display: flex; }
        .mobile-menu a { padding: 16px 20px; font-size: 16px; font-weight: 500; color: rgba(255,255,255,0.7); border-radius: var(--radius-xs); transition: var(--transition); }
        .mobile-menu a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
        .mobile-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.5); z-index: 1000; opacity: 0; transition: opacity 0.4s; }
        .mobile-overlay.open { display: block; opacity: 1; }
        .mobile-close { position: absolute; top: 24px; right: 24px; background: none; border: none; color: var(--white); font-size: 28px; cursor: pointer; }

        /* HERO */
        .hero { position: relative; min-height: 100vh; display: flex; align-items: center; background: var(--dark); padding-top: 80px; overflow: hidden; }
        .hero-bg { position: absolute; inset: 0; z-index: 1; }
        .hero-bg img { width: 100%; height: 100%; object-fit: cover; opacity: 0.3; }
        .hero-bg::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(17,24,39,0.6) 0%, rgba(17,24,39,0.85) 60%, rgba(17,24,39,1) 100%); }
        .hero-float-1 { position: absolute; top: 15%; right: 10%; width: 400px; height: 400px; background: radial-gradient(circle, rgba(99,102,241,0.2), transparent 70%); border-radius: 50%; filter: blur(60px); z-index: 2; animation: float 8s ease-in-out infinite; }
        .hero-float-2 { position: absolute; bottom: 20%; left: 5%; width: 300px; height: 300px; background: radial-gradient(circle, rgba(236,72,153,0.15), transparent 70%); border-radius: 50%; filter: blur(50px); z-index: 2; animation: float 10s ease-in-out infinite reverse; }
        .hero-float-3 { position: absolute; top: 40%; left: 30%; width: 200px; height: 200px; background: radial-gradient(circle, rgba(6,182,212,0.12), transparent 70%); border-radius: 50%; filter: blur(40px); z-index: 2; animation: float 12s ease-in-out infinite 2s; }
        @keyframes float { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(30px, -30px); } }
        .hero-content { position: relative; z-index: 3; max-width: 1280px; margin: 0 auto; padding: 0 24px; width: 100%; }
        .hero-badge { display: inline-flex; align-items: center; gap: 8px; padding: 8px 20px; border-radius: 60px; font-size: 13px; font-weight: 500; color: var(--accent-light); margin-bottom: 32px; }
        .hero-badge i { font-size: 10px; }
        .hero h1 { font-size: clamp(2.8rem, 7vw, 5rem); font-weight: 900; color: var(--white); margin-bottom: 24px; max-width: 850px; line-height: 1.05; }
        .hero h1 span { background: linear-gradient(135deg, #818CF8, #C084FC, #F472B6); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
        .hero-desc { font-family: var(--font-secondary); font-size: 1.15rem; color: rgba(255,255,255,0.6); max-width: 560px; line-height: 1.8; margin-bottom: 40px; }
        .hero-btns { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
        .hero-stats { display: flex; gap: 48px; margin-top: 64px; padding-top: 40px; border-top: 1px solid rgba(255,255,255,0.08); }
        .hero-stat-num { font-size: 2rem; font-weight: 700; color: var(--white); }
        .hero-stat-label { font-family: var(--font-secondary); font-size: 13px; color: rgba(255,255,255,0.45); margin-top: 4px; }
        .hero-image-col { position: absolute; right: 0; top: 50%; transform: translateY(-50%); width: 45%; z-index: 2; padding: 0 24px; }
        .hero-image-col img { width: 100%; border-radius: var(--radius); box-shadow: 0 32px 80px rgba(0,0,0,0.4); }

        /* ABOUT */
        .about { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
        .about-image { position: relative; }
        .about-image img { border-radius: var(--radius); width: 100%; height: 500px; object-fit: cover; }
        .about-image-badge { position: absolute; bottom: -24px; right: -24px; padding: 24px 32px; border-radius: var(--radius-sm); background: var(--accent); color: var(--white); text-align: center; box-shadow: 0 12px 40px rgba(99,102,241,0.35); }
        .about-image-badge .num { font-size: 2.5rem; font-weight: 900; line-height: 1; }
        .about-image-badge .label { font-size: 12px; font-weight: 500; opacity: 0.85; margin-top: 4px; }
        .about-content .section-title { margin-bottom: 24px; }
        .about-text { font-family: var(--font-secondary); font-size: 1rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 32px; }
        .about-items { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
        .about-item { display: flex; gap: 14px; align-items: flex-start; }
        .about-item-icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(99,102,241,0.08); display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 16px; flex-shrink: 0; }
        .about-item h4 { font-size: 15px; font-weight: 600; margin-bottom: 4px; }
        .about-item p { font-family: var(--font-secondary); font-size: 13px; color: var(--gray-500); line-height: 1.6; }

        /* MILESTONES */
        .milestones { padding: 80px 0; background: var(--dark); position: relative; overflow: hidden; }
        .milestones-float { position: absolute; width: 300px; height: 300px; background: radial-gradient(circle, rgba(99,102,241,0.15), transparent 70%); border-radius: 50%; filter: blur(60px); }
        .milestones-float:nth-child(1) { top: -100px; left: -100px; }
        .milestones-float:nth-child(2) { bottom: -100px; right: -100px; background: radial-gradient(circle, rgba(236,72,153,0.1), transparent 70%); }
        .milestones-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; position: relative; z-index: 2; }
        .milestone-card { text-align: center; padding: 40px 24px; border-radius: var(--radius); background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.06); transition: var(--transition); }
        .milestone-card:hover { background: rgba(255,255,255,0.08); border-color: rgba(99,102,241,0.3); transform: translateY(-4px); }
        .milestone-icon { width: 56px; height: 56px; border-radius: 16px; margin: 0 auto 20px; display: flex; align-items: center; justify-content: center; font-size: 22px; }
        .milestone-num { font-size: 2.8rem; font-weight: 900; color: var(--white); line-height: 1; margin-bottom: 8px; }
        .milestone-label { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.5); }

        /* WHY CHOOSE */
        .why-choose { padding: 120px 0; background: var(--light); }
        .why-choose-header { text-align: center; margin-bottom: 64px; }
        .why-choose-header .section-subtitle { margin: 0 auto; }
        .features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
        .feature-card { padding: 36px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--gray-200); transition: var(--transition); position: relative; overflow: hidden; }
        .feature-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--neon-gradient); opacity: 0; transition: var(--transition); }
        .feature-card:hover { border-color: transparent; box-shadow: var(--shadow-xl); transform: translateY(-6px); }
        .feature-card:hover::before { opacity: 1; }
        .feature-icon { width: 56px; height: 56px; border-radius: 16px; display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 20px; }
        .feature-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 10px; }
        .feature-card p { font-family: var(--font-secondary); font-size: 14px; color: var(--gray-500); line-height: 1.7; }

        /* PROCESS */
        .process { padding: 120px 0; background: var(--white); }
        .process-header { text-align: center; margin-bottom: 72px; }
        .process-header .section-subtitle { margin: 0 auto; }
        .process-timeline { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; position: relative; }
        .process-timeline::before { content: ''; position: absolute; top: 40px; left: 10%; right: 10%; height: 2px; background: linear-gradient(90deg, var(--accent), var(--purple), var(--pink)); opacity: 0.2; }
        .process-step { text-align: center; position: relative; }
        .process-num { width: 80px; height: 80px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; font-weight: 800; color: var(--accent); margin: 0 auto 20px; position: relative; z-index: 2; transition: var(--transition); }
        .process-step:hover .process-num { background: var(--accent); color: var(--white); box-shadow: 0 8px 30px rgba(99,102,241,0.3); }
        .process-step h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
        .process-step p { font-family: var(--font-secondary); font-size: 13px; color: var(--gray-500); line-height: 1.6; max-width: 180px; margin: 0 auto; }

        /* SERVICES */
        .services { padding: 120px 0; background: var(--light); }
        .services-header { text-align: center; margin-bottom: 64px; }
        .services-header .section-subtitle { margin: 0 auto; }
        .services-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
        .service-card { position: relative; border-radius: var(--radius); overflow: hidden; height: 380px; cursor: pointer; group: true; }
        .service-card img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.8s cubic-bezier(0.16,1,0.3,1); }
        .service-card:hover img { transform: scale(1.08); }
        .service-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 30%, rgba(17,24,39,0.9) 100%); display: flex; flex-direction: column; justify-content: flex-end; padding: 36px; transition: var(--transition); }
        .service-overlay::before { content: ''; position: absolute; inset: 0; background: rgba(99,102,241,0); transition: var(--transition); }
        .service-card:hover .service-overlay::before { background: rgba(99,102,241,0.15); }
        .service-tag { font-family: var(--font-secondary); font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--accent-light); margin-bottom: 8px; }
        .service-overlay h3 { font-size: 1.5rem; font-weight: 700; color: var(--white); margin-bottom: 8px; }
        .service-overlay p { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.6; margin-bottom: 16px; }
        .service-link { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--white); transition: var(--transition); }
        .service-link i { transition: var(--transition); }
        .service-card:hover .service-link i { transform: translateX(4px); }

        /* CTA SECTION */
        .cta-section { padding: 120px 0; background: var(--dark); position: relative; overflow: hidden; }
        .cta-bg { position: absolute; inset: 0; z-index: 1; }
        .cta-bg img { width: 100%; height: 100%; object-fit: cover; opacity: 0.15; }
        .cta-bg::after { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(17,24,39,0.9), rgba(17,24,39,0.7)); }
        .cta-float-1 { position: absolute; top: -80px; right: -80px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(99,102,241,0.2), transparent 70%); border-radius: 50%; filter: blur(80px); z-index: 2; }
        .cta-float-2 { position: absolute; bottom: -80px; left: -80px; width: 300px; height: 300px; background: radial-gradient(circle, rgba(236,72,153,0.15), transparent 70%); border-radius: 50%; filter: blur(60px); z-index: 2; }
        .cta-inner { position: relative; z-index: 3; text-align: center; max-width: 700px; margin: 0 auto; }
        .cta-inner h2 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: var(--white); margin-bottom: 20px; }
        .cta-inner p { font-family: var(--font-secondary); font-size: 1.1rem; color: rgba(255,255,255,0.6); line-height: 1.8; margin-bottom: 40px; }
        .cta-btns { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }

        /* LOAN SECTION */
        .loan { padding: 120px 0; background: var(--white); }
        .loan-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
        .loan-image { position: relative; }
        .loan-image img { border-radius: var(--radius); width: 100%; height: 480px; object-fit: cover; }
        .loan-image-float { position: absolute; top: -20px; left: -20px; padding: 20px 28px; border-radius: var(--radius-sm); z-index: 2; }
        .loan-image-float i { font-size: 24px; color: var(--accent); margin-bottom: 8px; }
        .loan-image-float h4 { font-size: 1.1rem; font-weight: 700; color: var(--dark); }
        .loan-image-float p { font-family: var(--font-secondary); font-size: 12px; color: var(--gray-500); }
        .loan-content .section-title { margin-bottom: 20px; }
        .loan-text { font-family: var(--font-secondary); font-size: 1rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 28px; }
        .loan-benefits { display: flex; flex-direction: column; gap: 16px; margin-bottom: 36px; }
        .loan-benefit { display: flex; align-items: center; gap: 14px; }
        .loan-benefit-icon { width: 36px; height: 36px; border-radius: 10px; background: rgba(34,197,94,0.1); display: flex; align-items: center; justify-content: center; color: #22C55E; font-size: 14px; flex-shrink: 0; }
        .loan-benefit span { font-family: var(--font-secondary); font-size: 14px; color: var(--gray-600); }

        /* PRICING */
        .pricing { padding: 120px 0; background: var(--light); }
        .pricing-header { text-align: center; margin-bottom: 64px; }
        .pricing-header .section-subtitle { margin: 0 auto; }
        .pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; align-items: start; }
        .pricing-card { padding: 44px 36px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--gray-200); transition: var(--transition); position: relative; }
        .pricing-card.featured { border-color: var(--accent); box-shadow: 0 8px 40px rgba(99,102,241,0.15); transform: scale(1.03); }
        .pricing-card:hover { box-shadow: var(--shadow-xl); transform: translateY(-4px); }
        .pricing-card.featured:hover { transform: scale(1.03) translateY(-4px); }
        .pricing-popular { position: absolute; top: -14px; left: 50%; transform: translateX(-50%); padding: 6px 20px; border-radius: 60px; font-size: 11px; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; color: var(--white); }
        .pricing-name { font-size: 1.1rem; font-weight: 600; color: var(--gray-500); margin-bottom: 8px; }
        .pricing-price { font-size: 3rem; font-weight: 900; color: var(--dark); line-height: 1; margin-bottom: 4px; }
        .pricing-price span { font-size: 1rem; font-weight: 400; color: var(--gray-400); }
        .pricing-desc { font-family: var(--font-secondary); font-size: 13px; color: var(--gray-400); margin-bottom: 28px; padding-bottom: 28px; border-bottom: 1px solid var(--gray-200); }
        .pricing-features { list-style: none; margin-bottom: 32px; display: flex; flex-direction: column; gap: 14px; }
        .pricing-features li { display: flex; align-items: center; gap: 12px; font-family: var(--font-secondary); font-size: 14px; color: var(--gray-600); }
        .pricing-features li i { color: #22C55E; font-size: 13px; width: 20px; text-align: center; }
        .pricing-card .btn { width: 100%; justify-content: center; }

        /* BOOKING FORM */
        .booking { padding: 120px 0; background: var(--dark); position: relative; overflow: hidden; }
        .booking-float-1 { position: absolute; top: 10%; right: 5%; width: 350px; height: 350px; background: radial-gradient(circle, rgba(99,102,241,0.12), transparent 70%); border-radius: 50%; filter: blur(70px); }
        .booking-float-2 { position: absolute; bottom: 10%; left: 5%; width: 250px; height: 250px; background: radial-gradient(circle, rgba(139,92,246,0.1), transparent 70%); border-radius: 50%; filter: blur(50px); }
        .booking-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; position: relative; z-index: 2; }
        .booking-info h2 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--white); margin-bottom: 20px; }
        .booking-info p { font-family: var(--font-secondary); font-size: 1rem; color: rgba(255,255,255,0.55); line-height: 1.8; margin-bottom: 36px; }
        .booking-perks { display: flex; flex-direction: column; gap: 20px; }
        .booking-perk { display: flex; gap: 16px; align-items: flex-start; }
        .booking-perk-icon { width: 48px; height: 48px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
        .booking-perk h4 { font-size: 15px; font-weight: 600; color: var(--white); margin-bottom: 4px; }
        .booking-perk p { font-family: var(--font-secondary); font-size: 13px; color: rgba(255,255,255,0.45); margin-bottom: 0; }
        .booking-form-card { padding: 40px; border-radius: var(--radius); }
        .booking-form-card h3 { font-size: 1.4rem; font-weight: 700; color: var(--white); margin-bottom: 28px; }
        .form-group { margin-bottom: 18px; }
        .form-group label { display: block; font-family: var(--font-secondary); font-size: 13px; font-weight: 500; color: rgba(255,255,255,0.6); margin-bottom: 8px; }
        .form-group input, .form-group select, .form-group textarea { width: 100%; padding: 14px 18px; border-radius: var(--radius-xs); border: 1px solid rgba(255,255,255,0.1); background: rgba(255,255,255,0.05); color: var(--white); font-family: var(--font-secondary); font-size: 14px; transition: var(--transition); outline: none; }
        .form-group input::placeholder, .form-group textarea::placeholder { color: rgba(255,255,255,0.3); }
        .form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--accent); background: rgba(99,102,241,0.05); }
        .form-group select option { background: var(--dark); color: var(--white); }
        .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
        .form-success { display: none; text-align: center; padding: 40px 20px; }
        .form-success.show { display: block; }
        .form-success i { font-size: 48px; color: #22C55E; margin-bottom: 16px; }
        .form-success h4 { font-size: 1.3rem; font-weight: 700; color: var(--white); margin-bottom: 8px; }
        .form-success p { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.6); }

        /* REVIEWS */
        .reviews { padding: 120px 0; background: var(--white); }
        .reviews-header { text-align: center; margin-bottom: 64px; }
        .reviews-header .section-subtitle { margin: 0 auto; }
        .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
        .review-card { padding: 32px; border-radius: var(--radius); background: var(--light); border: 1px solid var(--gray-200); transition: var(--transition); }
        .review-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: transparent; }
        .review-stars { display: flex; gap: 3px; margin-bottom: 16px; }
        .review-stars i { color: #FBBF24; font-size: 14px; }
        .review-text { font-family: var(--font-secondary); font-size: 14px; color: var(--gray-600); line-height: 1.8; margin-bottom: 24px; font-style: italic; }
        .review-author { display: flex; align-items: center; gap: 14px; }
        .review-avatar { width: 48px; height: 48px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 16px; color: var(--white); }
        .review-author-info h4 { font-size: 15px; font-weight: 600; }
        .review-author-info p { font-family: var(--font-secondary); font-size: 12px; color: var(--gray-400); }

        /* FAQ */
        .faq { padding: 120px 0; background: var(--light); }
        .faq-header { text-align: center; margin-bottom: 64px; }
        .faq-header .section-subtitle { margin: 0 auto; }
        .faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
        .faq-item { border-radius: var(--radius-sm); background: var(--white); border: 1px solid var(--gray-200); overflow: hidden; transition: var(--transition); }
        .faq-item.active { border-color: var(--accent); box-shadow: 0 4px 20px rgba(99,102,241,0.08); }
        .faq-question { display: flex; align-items: center; justify-content: space-between; padding: 22px 28px; cursor: pointer; font-size: 15px; font-weight: 600; color: var(--dark); transition: var(--transition); gap: 16px; }
        .faq-question:hover { color: var(--accent); }
        .faq-question i { font-size: 12px; color: var(--gray-400); transition: var(--transition); flex-shrink: 0; }
        .faq-item.active .faq-question i { transform: rotate(180deg); color: var(--accent); }
        .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.5s cubic-bezier(0.16,1,0.3,1); }
        .faq-answer-inner { padding: 0 28px 22px; font-family: var(--font-secondary); font-size: 14px; color: var(--gray-500); line-height: 1.8; }

        /* CONTACT */
        .contact { padding: 120px 0; background: var(--white); }
        .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; }
        .contact-info h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 800; margin-bottom: 20px; }
        .contact-info > p { font-family: var(--font-secondary); font-size: 1rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 36px; }
        .contact-items { display: flex; flex-direction: column; gap: 24px; margin-bottom: 36px; }
        .contact-item { display: flex; gap: 16px; align-items: flex-start; }
        .contact-item-icon { width: 48px; height: 48px; border-radius: 14px; background: rgba(99,102,241,0.08); display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 18px; flex-shrink: 0; }
        .contact-item h4 { font-size: 14px; font-weight: 600; margin-bottom: 4px; }
        .contact-item p, .contact-item a { font-family: var(--font-secondary); font-size: 14px; color: var(--gray-500); line-height: 1.6; }
        .contact-item a:hover { color: var(--accent); }
        .contact-social { display: flex; gap: 12px; }
        .contact-social a { width: 44px; height: 44px; border-radius: 12px; background: var(--gray-100); display: flex; align-items: center; justify-content: center; color: var(--gray-500); font-size: 16px; transition: var(--transition); }
        .contact-social a:hover { background: var(--accent); color: var(--white); }
        .contact-form-card { padding: 40px; border-radius: var(--radius); background: var(--light); border: 1px solid var(--gray-200); }
        .contact-form-card h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 24px; }
        .contact-form .form-group label { color: var(--gray-600); }
        .contact-form .form-group input, .contact-form .form-group textarea { background: var(--white); border-color: var(--gray-200); color: var(--dark); }
        .contact-form .form-group input::placeholder, .contact-form .form-group textarea::placeholder { color: var(--gray-400); }
        .contact-form .form-group input:focus, .contact-form .form-group textarea:focus { border-color: var(--accent); background: var(--white); }

        /* NEWSLETTER */
        .newsletter { padding: 100px 0; background: var(--dark); position: relative; overflow: hidden; }
        .newsletter-float { position: absolute; width: 400px; height: 400px; background: radial-gradient(circle, rgba(99,102,241,0.15), transparent 70%); border-radius: 50%; filter: blur(80px); top: -150px; right: -100px; }
        .newsletter-inner { position: relative; z-index: 2; max-width: 700px; margin: 0 auto; text-align: center; }
        .newsletter-inner h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 800; color: var(--white); margin-bottom: 16px; }
        .newsletter-inner > p { font-family: var(--font-secondary); font-size: 1rem; color: rgba(255,255,255,0.55); line-height: 1.8; margin-bottom: 32px; }
        .newsletter-form { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: 500px; margin: 0 auto 16px; }
        .newsletter-form input { padding: 14px 18px; border-radius: var(--radius-xs); border: 1px solid rgba(255,255,255,0.1); background: rgba(255,255,255,0.05); color: var(--white); font-family: var(--font-secondary); font-size: 14px; outline: none; transition: var(--transition); }
        .newsletter-form input::placeholder { color: rgba(255,255,255,0.3); }
        .newsletter-form input:focus { border-color: var(--accent); }
        .newsletter-form-row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: 500px; margin: 0 auto 16px; }
        .newsletter-form-row3 { display: flex; align-items: center; justify-content: center; gap: 10px; margin-bottom: 16px; }
        .newsletter-form-row3 input[type="checkbox"] { width: 18px; height: 18px; accent-color: var(--accent); }
        .newsletter-form-row3 label { font-family: var(--font-secondary); font-size: 12px; color: rgba(255,255,255,0.45); cursor: pointer; }
        .newsletter-form-row3 label a { color: var(--accent-light); text-decoration: underline; }
        .newsletter-submit { max-width: 500px; margin: 0 auto; }
        .newsletter-submit .btn { width: 100%; justify-content: center; }
        .newsletter-success { display: none; text-align: center; padding: 20px; }
        .newsletter-success.show { display: block; }
        .newsletter-success i { font-size: 40px; color: #22C55E; margin-bottom: 12px; }
        .newsletter-success h4 { color: var(--white); font-size: 1.2rem; font-weight: 700; margin-bottom: 6px; }
        .newsletter-success p { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.55); }

        /* FOOTER */
        .footer { padding: 80px 0 0; background: #0a0f1a; border-top: 1px solid rgba(255,255,255,0.05); }
        .footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 48px; padding-bottom: 60px; }
        .footer-about .logo { margin-bottom: 20px; }
        .footer-about p { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.8; margin-bottom: 24px; }
        .footer-social { display: flex; gap: 10px; }
        .footer-social a { width: 40px; height: 40px; border-radius: 12px; background: rgba(255,255,255,0.05); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 15px; transition: var(--transition); }
        .footer-social a:hover { background: var(--accent); color: var(--white); }
        .footer-col h4 { font-size: 14px; font-weight: 700; color: var(--white); margin-bottom: 24px; text-transform: uppercase; letter-spacing: 0.05em; }
        .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 14px; }
        .footer-col ul li a { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.4); transition: var(--transition); }
        .footer-col ul li a:hover { color: var(--white); transform: translateX(4px); display: inline-block; }
        .footer-newsletter p { font-family: var(--font-secondary); font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.7; margin-bottom: 20px; }
        .footer-newsletter-cta { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--accent-light); transition: var(--transition); }
        .footer-newsletter-cta:hover { gap: 12px; }
        .footer-newsletter-cta i { font-size: 12px; }
        .footer-bottom { border-top: 1px solid rgba(255,255,255,0.05); padding: 24px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px; }
        .footer-bottom p { font-family: var(--font-secondary); font-size: 13px; color: rgba(255,255,255,0.3); }
        .footer-bottom-links { display: flex; gap: 24px; }
        .footer-bottom-links a { font-family: var(--font-secondary); font-size: 13px; color: rgba(255,255,255,0.3); transition: var(--transition); }
        .footer-bottom-links a:hover { color: var(--white); }

        /* BACK TO TOP */
        .back-to-top { position: fixed; bottom: 32px; right: 32px; width: 48px; height: 48px; border-radius: 50%; background: var(--accent); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 18px; cursor: pointer; opacity: 0; visibility: hidden; transform: translateY(20px); transition: var(--transition); z-index: 999; box-shadow: 0 4px 20px rgba(99,102,241,0.35); border: none; }
        .back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
        .back-to-top:hover { background: var(--accent-dark); transform: translateY(-4px); }

        /* RESPONSIVE */
        @media (max-width: 1024px) {
            .hero-image-col { display: none; }
            .about-grid, .loan-grid, .booking-grid, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
            .milestones-grid { grid-template-columns: repeat(2, 1fr); }
            .features-grid { grid-template-columns: repeat(2, 1fr); }
            .process-timeline { grid-template-columns: repeat(3, 1fr); }
            .process-timeline::before { display: none; }
            .pricing-grid { grid-template-columns: 1fr; max-width: 440px; margin: 0 auto; }
            .pricing-card.featured { transform: none; }
            .pricing-card.featured:hover { transform: translateY(-4px); }
            .reviews-grid { grid-template-columns: repeat(2, 1fr); }
            .footer-grid { grid-template-columns: 1fr 1fr; }
        }
        @media (max-width: 768px) {
            .nav-links { display: none; }
            .nav-cta { display: none; }
            .mobile-toggle { display: block; }
            .hero { min-height: auto; padding: 140px 0 80px; }
            .hero-stats { flex-direction: column; gap: 24px; }
            .services-grid { grid-template-columns: 1fr; }
            .service-card { height: 320px; }
            .features-grid { grid-template-columns: 1fr; }
            .process-timeline { grid-template-columns: 1fr 1fr; }
            .milestones-grid { grid-template-columns: 1fr 1fr; }
            .reviews-grid { grid-template-columns: 1fr; }
            .form-row { grid-template-columns: 1fr; }
            .newsletter-form, .newsletter-form-row2 { grid-template-columns: 1fr; }
            .about-items { grid-template-columns: 1fr; }
            .footer-grid { grid-template-columns: 1fr; gap: 36px; }
            .footer-bottom { flex-direction: column; text-align: center; }
            .cta-btns { flex-direction: column; }
            .cta-btns .btn { width: 100%; justify-content: center; }
        }
        @media (max-width: 480px) {
            .milestones-grid { grid-template-columns: 1fr; }
            .process-timeline { grid-template-columns: 1fr; }
            .hero-btns { flex-direction: column; }
            .hero-btns .btn { width: 100%; justify-content: center; }
        }