/* ============================================
   JIPP SACCO — Main Stylesheet
   Color: Deep Forest Green + Gold
============================================ */

:root {
  --green-dark: #0a3d1f;
  --green-mid: #145a32;
  --green-main: #1e7a43;
  --green-light: #27ae60;
  --green-pale: #d5f0e0;
  --gold: #c9a227;
  --gold-light: #f1c40f;
  --gold-pale: #fef9e7;
  --white: #ffffff;
  --off-white: #f7f9f7;
  --gray-100: #f0f4f0;
  --gray-200: #e2e8e2;
  --gray-400: #9db09d;
  --gray-600: #5a705a;
  --gray-800: #2c3e2c;
  --text-dark: #1a2e1a;
  --text-mid: #3d5c3d;
  --text-light: #7a9a7a;
  --shadow-sm: 0 2px 8px rgba(10,61,31,0.08);
  --shadow-md: 0 8px 32px rgba(10,61,31,0.12);
  --shadow-lg: 0 20px 60px rgba(10,61,31,0.18);
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; }
ul { list-style: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 100px 0; }

/* ===== PRELOADER ===== */
#preloader {
  position: fixed; inset: 0;
  background: var(--green-dark);
  display: flex; align-items: center; justify-content: center;
  z-index: 9999;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; }
.loader-content { text-align: center; }
.loader-logo {
  font-family: 'Playfair Display', serif;
  font-size: 4rem; font-weight: 900;
  color: var(--gold);
  letter-spacing: 6px;
  animation: pulse 1.2s ease-in-out infinite;
}
.loader-bar {
  width: 200px; height: 3px;
  background: rgba(255,255,255,0.15);
  border-radius: 99px;
  margin: 16px auto 0;
  overflow: hidden;
}
.loader-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 99px;
  animation: loadFill 1.5s ease forwards;
}
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.5} }
@keyframes loadFill { from{width:0} to{width:100%} }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 20px 0;
  transition: var(--transition);
  background: transparent;
}
.navbar.scrolled {
  background: var(--green-dark);
  padding: 12px 0;
  box-shadow: var(--shadow-md);
}
.nav-container {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; gap: 40px;
}
.nav-brand {
  display: flex; align-items: center; gap: 12px;
  flex-shrink: 0;
}
.brand-icon {
  width: 44px; height: 44px;
  background: var(--white);
  color: var(--green-dark);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; font-weight: 900;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--white); }
.brand-tagline { font-size: 0.65rem; color: var(--gold); letter-spacing: 2px; text-transform: uppercase; }

.nav-links {
  display: flex; align-items: center; gap: 8px;
  margin-left: auto;
}
.nav-link {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem; font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  display: flex; align-items: center; gap: 6px;
}
.nav-link:hover, .nav-link.active { color: var(--gold); background: rgba(255,255,255,0.08); }
.nav-link .fa { font-size: 0.7rem; }

.nav-dropdown { position: relative; }
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--green-dark);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 8px;
  min-width: 200px;
  opacity: 0; visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  box-shadow: var(--shadow-lg);
}
.nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu li a {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 16px;
  color: rgba(255,255,255,0.8);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  transition: var(--transition);
}
.dropdown-menu li a:hover { background: rgba(255,255,255,0.08); color: var(--gold); }
.dropdown-menu li a .fa { color: var(--gold); width: 16px; }

.btn-portal {
  background: var(--gold) !important;
  color: var(--green-dark) !important;
  font-weight: 600 !important;
  padding: 10px 20px !important;
}
.btn-portal:hover { background: var(--gold-light) !important; }

.nav-toggle {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer;
  padding: 4px; margin-left: auto;
}
.nav-toggle span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: var(--transition);
}

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  position: relative;
  display: flex; align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--green-dark) 0%, var(--green-mid) 50%, var(--green-main) 100%);
}
.hero-overlay {
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-shapes { position: absolute; inset: 0; overflow: hidden; }
.shape {
  position: absolute; border-radius: 50%;
  filter: blur(80px); opacity: 0.15;
}
.shape-1 { width: 600px; height: 600px; background: var(--gold); top: -200px; right: -100px; animation: float1 8s ease-in-out infinite; }
.shape-2 { width: 400px; height: 400px; background: var(--green-light); bottom: -100px; left: -100px; animation: float2 10s ease-in-out infinite; }
.shape-3 { width: 300px; height: 300px; background: var(--gold-light); top: 50%; left: 40%; animation: float3 7s ease-in-out infinite; }
@keyframes float1 { 0%,100%{transform:translate(0,0)} 50%{transform:translate(-30px,30px)} }
@keyframes float2 { 0%,100%{transform:translate(0,0)} 50%{transform:translate(30px,-20px)} }
@keyframes float3 { 0%,100%{transform:translate(0,0)} 50%{transform:translate(-20px,20px)} }

.hero-content {
  position: relative; z-index: 2;
  max-width: 1200px; margin: 0 auto; padding: 120px 24px 80px;
  max-width: 780px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--gold-light);
  padding: 8px 18px; border-radius: 99px;
  font-size: 0.85rem; font-weight: 500;
  margin-bottom: 28px;
  animation: fadeInUp 0.6s ease 0.3s both;
}
.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(3rem, 8vw, 6rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 24px;
}
.title-line { display: block; animation: fadeInUp 0.7s ease both; }
.title-line:nth-child(1) { animation-delay: 0.4s; }
.title-line:nth-child(2) { animation-delay: 0.55s; }
.title-line.accent { color: var(--gold); }

.hero-subtitle {
  font-size: 1.15rem; color: rgba(255,255,255,0.78);
  max-width: 560px;
  margin-bottom: 36px;
  line-height: 1.8;
  animation: fadeInUp 0.7s ease 0.7s both;
}
.hero-cta {
  display: flex; gap: 16px; flex-wrap: wrap;
  margin-bottom: 64px;
  animation: fadeInUp 0.7s ease 0.85s both;
}
.hero-stats {
  display: flex; align-items: center; gap: 32px;
  animation: fadeInUp 0.7s ease 1s both;
}
.stat-item { text-align: center; }
.stat-num { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 900; color: var(--gold); }
.stat-item span:first-child { font-size: 1.1rem; color: var(--gold); }
.stat-label { display: block; font-size: 0.78rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 1px; margin-top: 2px; }
.stat-divider { width: 1px; height: 50px; background: rgba(255,255,255,0.15); }

.hero-scroll {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  z-index: 2;
}
.hero-scroll a {
  width: 44px; height: 44px;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  animation: bounce 2s ease-in-out infinite;
}
@keyframes bounce { 0%,100%{transform:translateY(0)} 50%{transform:translateY(8px)} }
@keyframes fadeInUp { from{opacity:0;transform:translateY(30px)} to{opacity:1;transform:translateY(0)} }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 0.95rem; font-weight: 600;
  cursor: pointer; border: none;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--green-dark);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,162,39,0.35); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-white { background: var(--white); color: var(--green-dark); font-weight: 600; }
.btn-white:hover { background: var(--gold-pale); transform: translateY(-2px); }
.btn-outline-white { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.5); }
.btn-outline-white:hover { background: rgba(255,255,255,0.12); }
.full-width { width: 100%; justify-content: center; }

/* ===== MARQUEE ===== */
.marquee-strip {
  background: var(--gold);
  padding: 14px 0;
  overflow: hidden;
}
.marquee-track {
  display: flex; gap: 40px;
  white-space: nowrap;
  animation: marquee 25s linear infinite;
  font-weight: 600; font-size: 0.9rem;
  color: var(--green-dark);
}
@keyframes marquee { from{transform:translateX(0)} to{transform:translateX(-50%)} }
.marquee-track span { flex-shrink: 0; }

/* ===== SECTION HEADERS ===== */
.section-header { text-align: center; margin-bottom: 60px; }
.section-tag {
  display: inline-block;
  background: var(--green-pale);
  color: var(--green-main);
  padding: 6px 16px; border-radius: 99px;
  font-size: 0.8rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 2px;
  margin-bottom: 16px;
}
.section-header.light .section-tag { background: rgba(255,255,255,0.15); color: var(--gold-light); }
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-header.light .section-title { color: var(--white); }
.section-title em { color: var(--green-main); font-style: normal; }
.section-sub { color: var(--text-light); max-width: 560px; margin: 0 auto; font-size: 1rem; }
.section-header.light .section-sub { color: rgba(255,255,255,0.7); }

/* ===== SERVICES ===== */
.services { background: var(--off-white); }
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  border: 1px solid var(--gray-200);
  position: relative;
  transition: var(--transition);
  cursor: default;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--green-pale); }
.service-card.featured {
  background: linear-gradient(145deg, var(--green-dark), var(--green-mid));
  border-color: transparent;
  color: var(--white);
}
.featured-tag {
  position: absolute; top: 20px; right: 20px;
  background: var(--gold); color: var(--green-dark);
  font-size: 0.72rem; font-weight: 700;
  padding: 4px 12px; border-radius: 99px;
  text-transform: uppercase; letter-spacing: 1px;
}
.service-icon {
  width: 64px; height: 64px;
  background: var(--green-pale);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; color: var(--green-main);
  margin-bottom: 24px;
}
.service-card.featured .service-icon { background: rgba(255,255,255,0.12); color: var(--gold); }
.service-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-dark);
}
.service-card.featured h3 { color: var(--white); }
.service-card p { color: var(--text-light); font-size: 0.93rem; line-height: 1.7; margin-bottom: 20px; }
.service-card.featured p { color: rgba(255,255,255,0.75); }
.service-features { margin-bottom: 28px; }
.service-features li {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.88rem; color: var(--text-mid);
  padding: 5px 0;
}
.service-card.featured .service-features li { color: rgba(255,255,255,0.8); }
.service-features li .fa { color: var(--green-main); font-size: 0.8rem; }
.service-card.featured .service-features li .fa { color: var(--gold); }
.service-link {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--green-main); font-weight: 600; font-size: 0.9rem;
  transition: var(--transition);
}
.service-card.featured .service-link { color: var(--gold); }
.service-link:hover { gap: 12px; }

/* ===== WHY JIPP ===== */
.why-jipp { background: var(--white); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }

.why-img-card {
  position: relative;
  background: linear-gradient(145deg, var(--green-main), var(--green-dark));
  border-radius: var(--radius-lg);
  padding: 60px 40px;
  text-align: center;
  overflow: hidden;
}
.img-placeholder {
  display: flex; flex-direction: column; align-items: center; gap: 16px;
}
.img-placeholder .fa { font-size: 5rem; color: var(--gold); opacity: 0.8; }
.img-placeholder p { color: rgba(255,255,255,0.7); font-size: 1.1rem; line-height: 1.6; }
.img-badge {
  position: absolute; top: 20px; left: 20px;
  background: var(--gold); color: var(--green-dark);
  padding: 6px 14px; border-radius: 99px;
  font-size: 0.78rem; font-weight: 700;
}
.img-float-card {
  position: absolute; bottom: 24px; right: 24px;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
  box-shadow: var(--shadow-md);
}
.img-float-card .fa { color: var(--gold); font-size: 1.4rem; }
.img-float-card strong { display: block; font-size: 0.88rem; color: var(--text-dark); }
.img-float-card span { font-size: 0.75rem; color: var(--text-light); }

.why-content .section-title { text-align: left; }
.why-desc { color: var(--text-light); margin-bottom: 32px; font-size: 1rem; }
.why-points { display: flex; flex-direction: column; gap: 24px; margin-bottom: 40px; }
.why-point { display: flex; gap: 18px; align-items: flex-start; }
.point-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: var(--green-pale);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--green-main); font-size: 1.1rem;
}
.why-point h4 { font-size: 1rem; font-weight: 600; color: var(--text-dark); margin-bottom: 4px; }
.why-point p { font-size: 0.88rem; color: var(--text-light); }

/* ===== CALCULATOR ===== */
.calculator {
  position: relative;
  background: var(--green-dark);
  color: var(--white);
  overflow: hidden;
}
.calculator-bg {
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.03' fill-rule='evenodd'%3E%3Cpath d='M0 40L40 0H20L0 20M40 40V20L20 40'/%3E%3C/g%3E%3C/svg%3E");
}
.calc-wrapper {
  position: relative;
  display: grid; grid-template-columns: 1fr 1fr; gap: 40px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 48px;
  backdrop-filter: blur(10px);
}
.calc-field { margin-bottom: 28px; }
.calc-field label { display: block; font-size: 0.85rem; font-weight: 500; color: rgba(255,255,255,0.7); margin-bottom: 10px; text-transform: uppercase; letter-spacing: 1px; }
.input-wrap { display: flex; align-items: center; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12); border-radius: var(--radius-sm); overflow: hidden; margin-bottom: 12px; }
.input-wrap input { flex: 1; background: none; border: none; outline: none; padding: 12px 16px; color: var(--white); font-size: 1.1rem; font-family: 'DM Sans', sans-serif; }
.input-prefix, .input-suffix { padding: 12px 14px; background: rgba(255,255,255,0.06); color: var(--gold); font-size: 0.85rem; font-weight: 600; white-space: nowrap; }

input[type="range"] {
  -webkit-appearance: none; width: 100%; height: 4px;
  background: rgba(255,255,255,0.15); border-radius: 99px; outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px;
  background: var(--gold); border-radius: 50%; cursor: pointer;
  box-shadow: 0 0 0 3px rgba(201,162,39,0.3);
}
.range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-top: 6px; }

.rate-options { display: flex; gap: 12px; }
.rate-option {
  flex: 1; cursor: pointer;
}
.rate-option input { display: none; }
.rate-option span {
  display: block;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  padding: 12px;
  text-align: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
}
.rate-option span small { font-size: 0.72rem; color: rgba(255,255,255,0.45); }
.rate-option input:checked + span { background: var(--gold); color: var(--green-dark); border-color: var(--gold); font-weight: 600; }

.calc-result {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 36px;
  display: flex; flex-direction: column; gap: 16px;
}
.result-header { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; }
.result-header .fa { color: var(--gold); font-size: 1.4rem; }
.result-header h3 { font-family: 'Playfair Display', serif; font-size: 1.3rem; }
.result-item { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.result-item span { font-size: 0.88rem; color: rgba(255,255,255,0.6); }
.result-item strong { font-size: 1rem; color: var(--white); }
.result-item.highlight strong { color: var(--gold); font-size: 1.3rem; }
.calc-note { font-size: 0.75rem; color: rgba(255,255,255,0.4); text-align: center; margin-top: 4px; }

/* ===== TESTIMONIALS ===== */
.testimonials { background: var(--off-white); }
.testimonials-slider { position: relative; min-height: 220px; }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  display: none;
  animation: fadeIn 0.5s ease;
  max-width: 800px; margin: 0 auto;
  text-align: center;
}
.testimonial-card.active { display: block; }
@keyframes fadeIn { from{opacity:0;transform:scale(0.98)} to{opacity:1;transform:scale(1)} }
.quote-icon { color: var(--green-pale); font-size: 2.5rem; margin-bottom: 20px; }
.testimonial-card p { font-size: 1.05rem; color: var(--text-mid); line-height: 1.8; margin-bottom: 28px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; justify-content: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px;
  background: var(--green-main); color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem;
}
.testimonial-author strong { display: block; font-size: 0.95rem; color: var(--text-dark); }
.testimonial-author span { font-size: 0.8rem; color: var(--text-light); }
.stars { color: var(--gold); font-size: 0.9rem; margin-left: auto; }
.slider-dots { display: flex; justify-content: center; gap: 8px; margin-top: 28px; }
.dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--gray-200);
  cursor: pointer;
  transition: var(--transition);
}
.dot.active { background: var(--green-main); width: 28px; border-radius: 99px; }

/* ===== CTA BANNER ===== */
.cta-banner {
  position: relative;
  background: linear-gradient(135deg, var(--green-main), var(--green-dark));
  padding: 100px 0;
  overflow: hidden;
  text-align: center;
}
.cta-bg {
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='40' cy='40' r='30'/%3E%3C/g%3E%3C/svg%3E");
}
.cta-content { position: relative; z-index: 1; }
.cta-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white); margin-bottom: 16px;
}
.cta-content p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 40px; max-width: 500px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== FOOTER ===== */
.footer { background: var(--green-dark); color: var(--white); }
    .footer-top { padding: 80px 0 60px; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 48px; }
    .footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
    .footer-about { color: rgba(255,255,255,0.6); font-size: 0.88rem; line-height: 1.8; margin-bottom: 24px; }
    .footer-social { display: flex; gap: 10px; }
    .footer-social a { width: 38px; height: 38px; background: rgba(255,255,255,0.08); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); font-size: 0.85rem; transition: var(--transition); }
    .footer-social a:hover { background: var(--gold); color: var(--green-dark); }
    .footer-links h4, .footer-contact h4 { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); margin-bottom: 20px; }
    .footer-links ul li { margin-bottom: 10px; }
    .footer-links ul li a { color: rgba(255,255,255,0.6); font-size: 0.88rem; display: flex; align-items: center; gap: 8px; transition: var(--transition); }
    .footer-links ul li a:hover { color: var(--gold); gap: 12px; }
    .footer-links ul li a .fa { font-size: 0.6rem; color: var(--gold); }
    .contact-item { display: flex; gap: 12px; margin-bottom: 16px; align-items: flex-start; }
    .contact-item .fa, .contact-item .fab { color: var(--gold); font-size: 0.9rem; margin-top: 3px; flex-shrink: 0; }
    .contact-item span, .contact-item a { color: rgba(255,255,255,0.65); font-size: 0.87rem; line-height: 1.6; transition: var(--transition); }
    .contact-item a:hover { color: var(--gold); }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 24px 0; }
    .footer-bottom .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
    .footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.4); }

.contact-item { display: flex; gap: 12px; margin-bottom: 16px; align-items: flex-start; }
.contact-item .fa, .contact-item .fab { color: var(--gold); font-size: 0.9rem; margin-top: 3px; flex-shrink: 0; }
.contact-item span, .contact-item a { color: rgba(255,255,255,0.65); font-size: 0.87rem; line-height: 1.6; transition: var(--transition); }
.contact-item a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
}
.footer-bottom .container {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 8px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.4); }

/* ===== TEAM ===== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 48px;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--green-pale);
}
.team-card.featured-card {
  border-color: var(--gold);
  box-shadow: 0 0 0 2px rgba(201,162,39,0.15);
}
.team-card.featured-card:hover {
  border-color: var(--gold);
  box-shadow: 0 20px 60px rgba(201,162,39,0.2);
}

.team-avatar-wrap {
  position: relative;
  padding: 36px 32px 24px;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-200);
}
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  border: 3px solid var(--white);
}
.team-avatar span {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem; font-weight: 900;
  color: var(--white);
}
.featured-card .team-avatar span { color: var(--green-dark); }
.team-social {
  display: flex; gap: 8px;
}
.team-social a {
  width: 34px; height: 34px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-light); font-size: 0.8rem;
  transition: var(--transition);
}
.team-social a:hover { background: var(--green-main); color: var(--white); border-color: var(--green-main); }

.team-info {
  padding: 24px 28px 28px;
  flex: 1; display: flex; flex-direction: column;
}
.team-info h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem; font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 4px;
}
.team-role {
  display: inline-block;
  font-size: 0.78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--green-main);
  margin-bottom: 14px;
}
.featured-card .team-role { color: var(--gold); }
.team-info p {
  font-size: 0.86rem;
  color: var(--text-light);
  line-height: 1.75;
  flex: 1;
  margin-bottom: 16px;
}
.team-tags {
  display: flex; flex-wrap: wrap; gap: 6px;
}
.team-tags span {
  background: var(--green-pale);
  color: var(--green-mid);
  font-size: 0.72rem; font-weight: 600;
  padding: 4px 10px;
  border-radius: 99px;
  text-transform: uppercase; letter-spacing: 0.5px;
}
.featured-card .team-tags span { background: var(--gold-pale); color: #7d6210; }

.team-cta {
  display: flex; align-items: center; gap: 24px;
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  flex-wrap: wrap;
}
.team-cta-icon {
  width: 60px; height: 60px; flex-shrink: 0;
  background: rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--gold);
}
.team-cta h4 { font-size: 1.1rem; font-weight: 700; color: var(--white); margin-bottom: 4px; }
.team-cta p { font-size: 0.88rem; color: rgba(255,255,255,0.7); }
.team-cta .btn { margin-left: auto; flex-shrink: 0; }

@media (max-width: 1024px) {
  .team-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .team-grid { grid-template-columns: 1fr; }
  .team-cta { flex-direction: column; text-align: center; }
  .team-cta .btn { margin: 0 auto; }
}

/* ===== FAQ ===== */
.faq { background: var(--white); }
.faq-group {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
}
.faq-group-title {
  display: flex; align-items: center; gap: 10px;
  padding: 18px 24px;
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
  color: var(--white);
  font-size: 0.85rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
}
.faq-group-title .fa { color: var(--gold); font-size: 1rem; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-item:last-child { border-bottom: none; }
.faq-question {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
  padding: 18px 24px;
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.92rem; font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  transition: var(--transition);
}
.faq-question:hover { color: var(--green-main); background: rgba(30,122,67,0.03); }
.faq-question[aria-expanded="true"] { color: var(--green-main); }
.faq-icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--green-pale);
  display: flex; align-items: center; justify-content: center;
  color: var(--green-main); font-size: 0.75rem;
  transition: var(--transition);
}
.faq-question[aria-expanded="true"] .faq-icon {
  background: var(--green-main); color: var(--white);
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1), padding 0.3s ease;
  padding: 0 24px;
}
.faq-answer.open {
  max-height: 300px;
  padding: 0 24px 18px;
}
.faq-answer p {
  font-size: 0.88rem; color: var(--text-light);
  line-height: 1.8;
}
.faq-answer p strong { color: var(--text-dark); }

@media (max-width: 768px) {
  .faq-grid { grid-template-columns: 1fr; }
}

/* ===== PAGE INNER HERO ===== */
.page-hero {
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
  padding: 160px 0 80px;
  text-align: center;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.5rem, 5vw, 4rem);
  color: var(--white); position: relative; margin-bottom: 16px;
}
.page-hero h1 span { color: var(--gold); }
.page-hero p { color: rgba(255,255,255,0.7); font-size: 1.05rem; max-width: 560px; margin: 0 auto; position: relative; }
.breadcrumb {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  font-size: 0.8rem; color: rgba(255,255,255,0.5);
  margin-bottom: 16px; position: relative;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb .sep { color: rgba(255,255,255,0.25); }

/* ===== LOAN PAGE ===== */
.loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.loan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.loan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.loan-card-header {
  padding: 32px;
  background: linear-gradient(135deg, var(--green-main), var(--green-dark));
  color: var(--white);
}
.loan-card-header .fa { font-size: 2rem; color: var(--gold); margin-bottom: 12px; }
.loan-card-header h3 { font-family: 'Playfair Display', serif; font-size: 1.3rem; margin-bottom: 8px; }
.loan-card-header p { font-size: 0.85rem; color: rgba(255,255,255,0.7); }
.loan-rate { font-size: 2.5rem; font-weight: 900; font-family: 'Playfair Display', serif; color: var(--gold); }
.loan-rate span { font-size: 0.9rem; font-weight: 400; color: rgba(255,255,255,0.6); }
.loan-card-body { padding: 32px; }
.loan-details { list-style: none; margin-bottom: 24px; }
.loan-details li { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--gray-100); font-size: 0.88rem; }
.loan-details li strong { color: var(--text-dark); }
.loan-details li span { color: var(--text-light); }

/* ===== APPLY FORM ===== */
.apply-form-section { background: var(--off-white); }
.apply-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 56px;
  border: 1px solid var(--gray-200);
  max-width: 800px; margin: 0 auto;
  box-shadow: var(--shadow-md);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--text-mid); text-transform: uppercase; letter-spacing: 1px; }
.form-control {
  padding: 13px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: 'DM Sans', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  width: 100%;
}
.form-control:focus { outline: none; border-color: var(--green-main); box-shadow: 0 0 0 3px rgba(30,122,67,0.1); }
select.form-control { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 8px; }
.alert { padding: 14px 20px; border-radius: var(--radius-sm); margin-bottom: 20px; font-size: 0.9rem; }
.alert-success { background: var(--green-pale); color: var(--green-mid); border: 1px solid #a8d5b8; }
.alert-error { background: #fde8e8; color: #c0392b; border: 1px solid #f5c6c6; }

/* ===== CONTACT PAGE ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 60px; align-items: start; }
.contact-info-cards { display: flex; flex-direction: column; gap: 20px; }
.info-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--gray-200);
  display: flex; gap: 16px;
  transition: var(--transition);
}
.info-card:hover { box-shadow: var(--shadow-md); border-color: var(--green-pale); }
.info-card-icon {
  width: 50px; height: 50px; flex-shrink: 0;
  background: var(--green-pale);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--green-main); font-size: 1.1rem;
}
.info-card h4 { font-size: 0.85rem; font-weight: 700; color: var(--text-dark); margin-bottom: 4px; text-transform: uppercase; letter-spacing: 1px; }
.info-card p, .info-card a { font-size: 0.9rem; color: var(--text-light); }
.info-card a:hover { color: var(--green-main); }

/* ===== PORTAL ===== */
.portal-wrap {
  max-width: 480px; margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 56px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-lg);
}
.portal-tabs { display: flex; margin-bottom: 36px; border-bottom: 2px solid var(--gray-200); }
.portal-tab {
  flex: 1; padding: 14px; text-align: center;
  font-size: 0.9rem; font-weight: 600; color: var(--text-light);
  cursor: pointer; border-bottom: 2px solid transparent; margin-bottom: -2px;
  transition: var(--transition);
}
.portal-tab.active { color: var(--green-main); border-bottom-color: var(--green-main); }
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ===== SAVINGS PAGE ===== */
.savings-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.saving-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  border: 1px solid var(--gray-200);
  text-align: center;
  transition: var(--transition);
}
.saving-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.saving-card.primary { background: linear-gradient(145deg, var(--green-dark), var(--green-mid)); color: var(--white); }
.saving-icon { font-size: 2.5rem; margin-bottom: 20px; }
.saving-card:not(.primary) .saving-icon { color: var(--green-main); }
.saving-card.primary .saving-icon { color: var(--gold); }
.saving-rate { font-family: 'Playfair Display', serif; font-size: 3rem; font-weight: 900; color: var(--green-main); margin: 12px 0; }
.saving-card.primary .saving-rate { color: var(--gold); }
.saving-rate small { font-size: 1rem; font-weight: 400; }

/* ===== CHAMAS PAGE ===== */
.chamas-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 60px; }
.step-card {
  text-align: center; padding: 36px 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  position: relative;
  transition: var(--transition);
}
.step-card:hover { box-shadow: var(--shadow-md); }
.step-num {
  width: 56px; height: 56px;
  background: var(--green-main); color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 900;
  font-family: 'Playfair Display', serif;
  margin: 0 auto 20px;
}
.step-card h4 { font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.step-card p { font-size: 0.85rem; color: var(--text-light); }

/* ===== ABOUT ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-values { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 60px; }
.value-card {
  background: var(--white); padding: 28px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.value-card:hover { box-shadow: var(--shadow-md); border-color: var(--green-pale); }
.value-card .fa { font-size: 1.5rem; color: var(--green-main); margin-bottom: 12px; }
.value-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--text-dark); margin-bottom: 6px; }
.value-card p { font-size: 0.83rem; color: var(--text-light); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .savings-grid { grid-template-columns: 1fr 1fr; }
  .chamas-steps { grid-template-columns: 1fr 1fr; }
  .why-grid { gap: 40px; }
}
@media (max-width: 768px) {
  .nav-links { 
    display: none;
    position: fixed; top: 0; left: 0; right: 0; bottom: 0;
    background: var(--green-dark);
    flex-direction: column; align-items: center; justify-content: center;
    gap: 12px; z-index: 999;
  }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; z-index: 1000; }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; background: rgba(255,255,255,0.05); }

  .hero-stats { flex-direction: column; gap: 20px; }
  .stat-divider { width: 50px; height: 1px; }
  .hero-cta { flex-direction: column; }
  .calc-wrapper { grid-template-columns: 1fr; padding: 28px; }
  .why-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .savings-grid { grid-template-columns: 1fr; }
  .chamas-steps { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .apply-form-wrap { padding: 28px; }
  .portal-wrap { padding: 32px 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom .container { flex-direction: column; text-align: center; }
  .hero-title { font-size: 2.8rem; }
  .section { padding: 70px 0; }
  .about-values { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .chamas-steps { grid-template-columns: 1fr; }
  .rate-options { flex-direction: column; }
  .hero-stats { display: none; }
}