/* ==========================================================================
   MAVUNO BANK — Stylesheet
   Design tokens derived from the official Mavuno Bank logo:
   deep navy, royal blue, and warm gold.
   ========================================================================== */

:root {
  /* --- Brand colors, sampled from the logo --- */
  --navy-900: #071B2E;   /* deepest navy — footer, dark sections */
  --navy-800: #0B2E4E;   /* primary navy */
  --navy-700: #123E68;   /* elevated navy surfaces */
  --blue-600: #14588F;   /* royal / corporate blue — secondary */
  --blue-400: #4C86B8;   /* lighter blue for accents on dark */

  --gold-600: #B4842F;   /* deep gold — text-safe on light bg */
  --gold-500: #C99A3E;   /* core gold accent */
  --gold-400: #D9AD52;   /* gold for buttons / highlights */
  --gold-300: #EFCD82;   /* light gold — gradients, glows */

  --white: #FFFFFF;
  --light: #F6F8FB;
  --light-2: #EDF2F7;
  --border: #E1E8F0;

  --text: #14222F;
  --muted: #5C6B79;
  --muted-light: #8A96A3;

  /* --- Type --- */
  --font-display: 'Manrope', 'Inter', sans-serif;
  --font-body: 'Inter', sans-serif;

  /* --- Layout --- */
  --container-w: 1200px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;

  --shadow-sm: 0 2px 8px rgba(7, 27, 46, 0.06);
  --shadow-md: 0 8px 30px rgba(7, 27, 46, 0.10);
  --shadow-lg: 0 20px 60px rgba(7, 27, 46, 0.16);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ==========================================================================
   RESET
   ========================================================================== */

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 90px;
  overflow-x: hidden;
  width: 100%;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }

/* Inline SVG icons (Lucide) — sized relative to the font-size of their
   container and tinted via currentColor, so existing color/font-size
   rules on icon wrappers apply automatically. */
.icon-svg {
  width: 1em;
  height: 1em;
  stroke: currentColor;
  fill: none;
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
}

a { color: inherit; text-decoration: none; }

ul { list-style: none; margin: 0; padding: 0; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy-800);
  margin: 0;
  line-height: 1.15;
}

p { margin: 0; }

button { font-family: inherit; cursor: pointer; }

input, textarea {
  font-family: inherit;
  font-size: 1rem;
}

.container {
  max-width: var(--container-w);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: auto;
  background: var(--navy-800);
  color: var(--white);
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  z-index: 999;
}
.skip-link:focus {
  left: 24px;
  top: 24px;
}

:focus-visible {
  outline: 2px solid var(--gold-500);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ==========================================================================
   BUTTONS
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.95rem;
  border: 1.5px solid transparent;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
  white-space: nowrap;
}
.btn .icon-svg { width: 1em; height: 1em; }

.btn-gold {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-navy {
  background: var(--navy-800);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-ghost {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--border);
}
.btn-ghost:hover {
  border-color: var(--navy-800);
  background: var(--light-2);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
}

.btn-sm {
  padding: 10px 20px;
  font-size: 0.85rem;
}

/* ==========================================================================
   NAVIGATION
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  width: 100%;
  background: rgba(255, 255, 255, 0.86);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.site-header.scrolled {
  box-shadow: 0 4px 24px rgba(7, 27, 46, 0.08);
  border-bottom-color: var(--border);
}

.navbar {
  max-width: var(--container-w);
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  transition: padding 0.3s var(--ease);
}
.site-header.scrolled .navbar {
  padding: 11px 24px;
}

.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand-logo {
  height: 46px;
  width: auto;
  transition: height 0.3s var(--ease);
}
.site-header.scrolled .brand-logo { height: 36px; }

.nav-menu {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-link {
  position: relative;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy-800);
  padding: 6px 0;
}
.nav-link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background: var(--gold-500);
  transition: width 0.25s var(--ease);
}
.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  border: none;
  padding: 8px;
  z-index: 110;
}
.nav-toggle-bar {
  width: 24px;
  height: 2.5px;
  background: var(--navy-800);
  border-radius: 2px;
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease);
}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
  opacity: 0;
}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

/* ==========================================================================
   HERO
   ========================================================================== */

.hero {
  position: relative;
  padding: 96px 0 80px;
  overflow: hidden;
  background: linear-gradient(180deg, var(--light) 0%, var(--white) 100%);
}

.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero-weave {
  position: absolute;
  top: -60px;
  right: -160px;
  width: 640px;
  height: 640px;
  opacity: 0.5;
}
.weave-line { fill: none; }
.weave-gold { stroke: var(--gold-300); }
.weave-navy { stroke: var(--blue-400); opacity: 0.5; }

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: 56px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 20px;
}
.eyebrow .dot { color: var(--navy-700); opacity: 0.5; }
.eyebrow-dark { color: var(--gold-600); }
.eyebrow-light { color: var(--gold-300); }

.hero-heading {
  font-size: clamp(2.4rem, 4.2vw, 3.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--navy-900);
  margin-bottom: 24px;
}

.text-gold-grad {
  background: linear-gradient(120deg, var(--gold-600), var(--gold-400) 60%, var(--gold-300));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero-sub {
  font-size: 1.08rem;
  line-height: 1.7;
  color: var(--muted);
  max-width: 520px;
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.hero-visual { position: relative; }

.hero-card {
  position: relative;
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900) 75%);
  border-radius: var(--radius-lg);
  padding: 40px;
  min-height: 420px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.hero-card-glow {
  position: absolute;
  width: 340px;
  height: 340px;
  background: radial-gradient(circle, rgba(217,173,82,0.25), transparent 70%);
  top: -80px;
  right: -80px;
  border-radius: 50%;
}

.growth-graphic { width: 100%; height: auto; position: relative; z-index: 1; }
.graph-line { stroke-dasharray: 620; stroke-dashoffset: 620; animation: drawLine 2s var(--ease) 0.4s forwards; }
.graph-dots circle { opacity: 0; animation: fadeInDot 0.6s var(--ease) forwards; }
.graph-dots circle:nth-child(1) { animation-delay: 0.6s; }
.graph-dots circle:nth-child(2) { animation-delay: 0.9s; }
.graph-dots circle:nth-child(3) { animation-delay: 1.2s; }
.graph-dots circle:nth-child(4) { animation-delay: 1.5s; }
.graph-dots circle:nth-child(5) { animation-delay: 1.8s; }
.graph-dots circle:nth-child(6) { animation-delay: 2.1s; }
.graph-arrow { opacity: 0; animation: fadeInDot 0.5s var(--ease) 2.3s forwards; }

@keyframes drawLine {
  to { stroke-dashoffset: 0; }
}
@keyframes fadeInDot {
  to { opacity: 1; }
}

.hero-card-chip {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  backdrop-filter: blur(10px);
  padding: 12px 18px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--white);
}
.hero-card-chip .icon-svg { color: var(--gold-300); width: 1.1em; height: 1.1em; }
.chip-1 { top: 28px; left: 28px; }
.chip-2 { bottom: 32px; right: 28px; }

/* ==========================================================================
   TRUST STRIP
   ========================================================================== */

.trust-strip {
  background: var(--navy-800);
  padding: 26px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: var(--white);
  font-weight: 600;
  font-size: 0.92rem;
  text-align: center;
}
.trust-item .icon-svg { color: var(--gold-400); width: 1.25em; height: 1.25em; }

/* ==========================================================================
   SECTION GENERICS
   ========================================================================== */

.section {
  padding: 96px 0;
}
.section-tint {
  background: var(--light);
}

.section-head {
  max-width: 640px;
  margin: 0 auto 56px;
  text-align: center;
}
.section-heading {
  font-size: clamp(1.9rem, 3vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  margin-bottom: 16px;
}
.section-lead {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--muted);
}
.section-body {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--muted);
  margin-top: 18px;
}
.section-cta {
  text-align: center;
  margin-top: 48px;
}

/* ==========================================================================
   ABOUT
   ========================================================================== */

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about-copy .section-heading { text-align: left; }

.value-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}
.tag {
  padding: 8px 18px;
  border-radius: 999px;
  background: var(--light-2);
  border: 1px solid var(--border);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-700);
}

.about-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.mvv-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.mvv-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-400);
}
.mvv-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  color: var(--gold-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  margin-bottom: 8px;
}
.mvv-card h3 { font-size: 1.1rem; margin-bottom: 4px; }
.mvv-card p { color: var(--muted); font-size: 0.95rem; line-height: 1.6; }

/* ==========================================================================
   SERVICES / SAVINGS / LOANS — card grids
   ========================================================================== */

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 26px;
  text-align: left;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--blue-600));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s var(--ease);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}
.service-card:hover::before { transform: scaleX(1); }

.service-icon, .feature-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 18px;
}
.service-icon {
  background: var(--light-2);
  color: var(--navy-800);
}
.service-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.service-card p { color: var(--muted); font-size: 0.94rem; line-height: 1.65; }

.savings-grid, .loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 34px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}
.feature-icon.gold {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  color: var(--navy-900);
}
.feature-icon.navy {
  background: linear-gradient(135deg, var(--navy-700), var(--navy-900));
  color: var(--gold-300);
}
.feature-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.feature-card p { color: var(--muted); font-size: 0.94rem; line-height: 1.65; }

.section-tint .feature-card { background: var(--white); }

/* ==========================================================================
   WHY MAVUNO
   ========================================================================== */

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px 28px;
}
.why-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.why-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--light-2);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 14px;
}
.why-item h3 { font-size: 1.08rem; margin-bottom: 6px; }
.why-item p { color: var(--muted); font-size: 0.93rem; line-height: 1.6; }

/* ==========================================================================
   GROWTH VISUAL SECTION
   ========================================================================== */

.growth-section {
  position: relative;
  background: linear-gradient(160deg, var(--navy-900), var(--navy-800) 70%);
  padding: 120px 0;
  overflow: hidden;
  text-align: center;
}
.growth-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}
.growth-weave {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0.6;
}
.gweave-gold { stroke: var(--gold-500); }
.gweave-line { stroke: var(--blue-400); opacity: 0.4; }

.particle {
  position: absolute;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-300);
  box-shadow: 0 0 12px 2px rgba(217,173,82,0.7);
  animation: floatParticle 6s ease-in-out infinite;
}
.p1 { top: 30%; left: 18%; animation-delay: 0s; }
.p2 { top: 55%; left: 42%; animation-delay: 1.4s; }
.p3 { top: 22%; left: 68%; animation-delay: 2.6s; }
.p4 { top: 66%; left: 82%; animation-delay: 3.8s; }

@keyframes floatParticle {
  0%, 100% { transform: translateY(0); opacity: 0.5; }
  50% { transform: translateY(-18px); opacity: 1; }
}

.growth-content { position: relative; z-index: 1; }
.growth-heading {
  color: var(--white);
  font-size: clamp(2rem, 3.6vw, 3rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  margin-bottom: 16px;
}
.growth-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.1rem;
}

/* ==========================================================================
   CTA SECTION
   ========================================================================== */

.cta-section {
  background: linear-gradient(135deg, var(--navy-800), var(--blue-600));
  padding: 88px 0;
}
.cta-inner {
  text-align: center;
  max-width: 640px;
}
.cta-inner h2 {
  color: var(--white);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 14px;
}
.cta-inner p {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
  margin-bottom: 34px;
}
.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
}

/* ==========================================================================
   CONTACT
   ========================================================================== */

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.contact-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.contact-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--light-2);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
}
.contact-item h3 { font-size: 1rem; margin-bottom: 4px; }
.contact-item p { color: var(--muted); font-size: 0.95rem; }
.text-link {
  color: var(--blue-600);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.9rem;
}
.text-link .icon-svg { width: 0.9em; height: 0.9em; }
.text-link:hover { color: var(--gold-600); }

.location-card {
  background: var(--light);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  margin-top: 12px;
}
.location-card h3 { font-size: 1.1rem; margin-bottom: 6px; }
.location-card p { color: var(--muted); margin-bottom: 18px; font-size: 0.95rem; }

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.form-row {
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.form-row label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy-800);
}
.form-row input,
.form-row textarea {
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  background: var(--light);
  color: var(--text);
  transition: border-color 0.25s var(--ease), background 0.25s var(--ease);
  resize: vertical;
}
.form-row input:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  background: var(--white);
}
.form-submit {
  width: 100%;
  margin-top: 6px;
}
.form-note {
  margin-top: 14px;
  font-size: 0.82rem;
  color: var(--muted-light);
  text-align: center;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */

.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.7);
  padding-top: 72px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.footer-logo {
  height: 52px;
  width: fit-content;
  background: var(--white);
  padding: 10px 16px;
  border-radius: var(--radius-sm);
}
.footer-tagline {
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-300);
  font-weight: 700;
}
.footer-col h3 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 20px;
  letter-spacing: 0.02em;
}
.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.footer-col a, .footer-col span {
  font-size: 0.92rem;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: color 0.2s var(--ease);
}
.footer-col a:hover { color: var(--gold-300); }
.footer-col .icon-svg { color: var(--gold-400); width: 1em; height: 1em; }

.footer-bottom-inner {
  padding: 24px 24px;
  text-align: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
}

/* ==========================================================================
   BACK TO TOP
   ========================================================================== */

.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), background 0.3s var(--ease), visibility 0.3s;
  z-index: 90;
}
.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.back-to-top:hover { background: var(--gold-500); color: var(--navy-900); }

/* ==========================================================================
   SCROLL REVEAL
   ========================================================================== */

/* Visible by default so the page works fully with JavaScript disabled.
   JS adds .js-enabled before observing, which is the only state that
   starts hidden — so animation is a pure progressive enhancement. */
.reveal.js-enabled {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.js-enabled.in-view {
  opacity: 1;
  transform: translateY(0);
}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 460px; margin: 0 auto; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-copy .section-heading,
  .about-copy .section-lead,
  .about-copy .section-body { text-align: left; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 860px) {
  .nav-toggle { display: flex; }

  .nav-menu {
    position: fixed;
    inset: 0 0 0 auto;
    top: 0;
    height: 100vh;
    width: min(320px, 82vw);
    background: var(--navy-900);
    flex-direction: column;
    align-items: flex-start;
    justify-content: flex-start;
    padding: 100px 32px 40px;
    gap: 40px;
    transform: translateX(100%);
    transition: transform 0.35s var(--ease);
    z-index: 105;
  }
  .nav-menu.open { transform: translateX(0); }

  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    gap: 26px;
  }
  .nav-link { color: var(--white); font-size: 1.05rem; }
  .nav-link::after { background: var(--gold-400); }

  .nav-cta { width: 100%; text-align: center; }

  .savings-grid, .loans-grid, .why-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .container { padding: 0 20px; }
  .section { padding: 72px 0; }
  .hero { padding: 64px 0 56px; }
  .hero-card { padding: 28px; min-height: 340px; }
  .hero-actions .btn { width: 100%; }
  .hero-actions { flex-direction: column; }
  .services-grid { grid-template-columns: 1fr; }
  .savings-grid, .loans-grid, .why-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; gap: 16px; }
  .trust-item { justify-content: flex-start; }
  .cta-actions { flex-direction: column; width: 100%; }
  .cta-actions .btn { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .contact-form { padding: 28px 22px; }
  .growth-section { padding: 88px 0; }
  .back-to-top { right: 16px; bottom: 16px; width: 44px; height: 44px; }
}

@media (max-width: 400px) {
  .hero-heading { font-size: 2.1rem; }
  .brand-logo { height: 40px; }
  .site-header.scrolled .brand-logo { height: 32px; }
}