/* ============================================
   PRIME TAXFIN SOLUTIONS - PREMIUM LOAN THEME
   Complete CSS with Fixed Hover Effects
   ============================================ */

:root {
    /* Premium Loan Palette */
    --primary: #4f46e5;
    --primary-dark: #3730a3;
    --primary-light: #6366f1;
    --secondary: #10b981;
    --accent: #D4AF37;
    
    /* Neutral Colors */
    --white: #ffffff;
    --off-white: #f8fafc;
    --light-gray: #f1f5f9;
    --gray: #9ca3af;
    --dark-gray: #475569;
    --black: #0f172a;
    
    /* Shadows & Elevations */
    --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.05);
    --shadow-md: 0 4px 12px rgba(15, 23, 42, 0.08);
    --shadow-lg: 0 15px 35px rgba(79, 70, 229, 0.15);
    --shadow-xl: 0 25px 50px rgba(79, 70, 229, 0.25);
    
    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #4f46e5 0%, #3730a3 100%);
    --gradient-light: linear-gradient(135deg, #f8fafc 0%, #f1f5f9 100%);
    
    /* Settings */
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-full: 9999px;
    --transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    
    /* Typography */
    --font-primary: 'Inter', sans-serif;
    --font-secondary: 'Montserrat', sans-serif;
}

/* ============================================
   RESET & BASE
   ============================================ */
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body { 
    font-family: var(--font-primary); 
    color: var(--black); 
    background-color: var(--off-white); 
    line-height: 1.6; 
    overflow-x: hidden; 
}
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; width: 100%; }
a { text-decoration: none; color: inherit; transition: var(--transition); }

/* ============================================
   LOADING SCREEN
   ============================================ */
.loading-screen {
    position: fixed; top: 0; left: 0; width: 100%; height: 100%;
    background: var(--white); z-index: 9999;
    display: flex; align-items: center; justify-content: center;
    transition: opacity 0.5s ease, visibility 0.5s ease;
}
.loading-screen.hidden { opacity: 0; visibility: hidden; }
.loading-logo .logo-icon {
    width: 70px; height: 70px; background: var(--gradient-primary);
    border-radius: var(--radius-lg); display: flex; align-items: center;
    justify-content: center; color: var(--white); font-size: 2.5rem;
    margin: 0 auto 20px; animation: pulse 2s infinite;
}
.loading-text .logo-main {
    font-family: var(--font-secondary); font-size: 1.5rem; font-weight: 800;
    color: var(--primary);
}
.loading-bar {
    width: 200px; height: 4px; background: var(--light-gray);
    border-radius: var(--radius-full); margin: 20px auto 0; overflow: hidden;
}
.loading-progress {
    width: 0; height: 100%; background: var(--gradient-primary);
    border-radius: var(--radius-full); transition: width 0.1s linear;
}

@keyframes pulse { 0%, 100% { transform: scale(1); } 50% { transform: scale(1.05); box-shadow: var(--shadow-lg); } }

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
.header {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    background: rgba(255, 255, 255, 0.95); backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05); transition: var(--transition);
}
.header.scrolled { box-shadow: var(--shadow-md); padding: 5px 0; }
.navbar { display: flex; align-items: center; justify-content: space-between; padding: 15px 0; }
.logo { display: flex; align-items: center; gap: 12px; }
.logo:hover { transform: translateY(-2px); }
.logo-icon {
    width: 45px; height: 45px; background: var(--gradient-primary);
    border-radius: var(--radius-md); display: flex; align-items: center;
    justify-content: center; color: var(--white); font-size: 1.2rem;
}
.logo-text { display: flex; flex-direction: column; }
.logo-main { font-family: var(--font-secondary); font-size: 1.2rem; font-weight: 800; color: var(--black); line-height: 1.2; }
.logo-sub { font-size: 0.75rem; font-weight: 700; color: var(--primary); letter-spacing: 1px; }

.nav-menu ul { display: flex; list-style: none; gap: 2.5rem; }
.nav-link { font-weight: 600; font-size: 0.95rem; color: var(--dark-gray); position: relative; padding: 5px 0; }
.nav-link::after {
    content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 2px;
    background: var(--primary); transition: var(--transition);
}
.nav-link:hover, .nav-link.active { color: var(--primary); }
.nav-link:hover::after, .nav-link.active::after { width: 100%; }

.nav-actions { display: flex; align-items: center; gap: 15px; }
.btn-call {
    display: flex; align-items: center; gap: 8px; padding: 10px 24px;
    background: var(--gradient-primary); color: var(--white);
    border-radius: var(--radius-full); font-weight: 600; font-size: 0.9rem;
    box-shadow: var(--shadow-sm);
}
.btn-call:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); color: var(--white); }
.mobile-menu-btn { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; }
.mobile-menu-btn span { width: 25px; height: 3px; background: var(--black); border-radius: 2px; transition: var(--transition); }

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    padding: 160px 0 80px;
    background: url('data:image/svg+xml,<svg width="20" height="20" xmlns="http://www.w3.org/2000/svg"><circle cx="2" cy="2" r="1" fill="%234f46e5" opacity="0.1"/></svg>'), linear-gradient(135deg, #ffffff 0%, #f1f5f9 100%);
}
.hero-content { display: grid; grid-template-columns: 1fr; gap: 40px; text-align: center; }
.hero-title { font-family: var(--font-secondary); font-size: 3.5rem; font-weight: 900; line-height: 1.2; margin-bottom: 20px; }
.title-line { display: block; }
.title-line.highlight { background: var(--gradient-primary); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }
.hero-description { font-size: 1.15rem; color: var(--dark-gray); max-width: 800px; margin: 0 auto 40px; }

/* Portal Links Front */
.portal-links-front {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
    margin: 0 auto 50px; max-width: 1000px;
}
.portal-box {
    background: var(--white); padding: 30px 20px; border-radius: var(--radius-lg);
    border: 1px solid rgba(0,0,0,0.05); box-shadow: var(--shadow-sm);
    display: flex; flex-direction: column; align-items: center; gap: 15px;
    transition: var(--transition);
}
.portal-box:hover {
    transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: var(--primary);
}
.portal-box.active { background: var(--gradient-primary); color: var(--white); border: none; transform: scale(1.05); box-shadow: var(--shadow-lg); }
.portal-box i { font-size: 2.5rem; color: var(--primary); transition: var(--transition); }
.portal-box:hover i { transform: scale(1.1); }
.portal-box.active i { color: var(--white); }
.portal-box h4 { font-size: 1rem; font-weight: 700; text-align: center; font-family: var(--font-secondary); }

/* Stats & Buttons */
.hero-stats {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
    max-width: 900px; margin: 0 auto 40px;
}
.stat { background: var(--white); padding: 20px; border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.stat h3 { font-size: 1.8rem; font-weight: 800; color: var(--primary); }
.stat p { font-size: 0.9rem; color: var(--dark-gray); font-weight: 600; }

.hero-buttons { display: flex; justify-content: center; gap: 20px; flex-wrap: wrap; margin-bottom: 50px; }
.btn {
    display: inline-flex; align-items: center; gap: 10px; padding: 15px 30px;
    border-radius: var(--radius-full); font-weight: 700; font-size: 1rem;
    transition: var(--transition); cursor: pointer; border: none;
}
.btn-primary { background: var(--gradient-primary); color: var(--white); box-shadow: var(--shadow-md); }
.btn-primary:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.btn-secondary { background: var(--white); color: var(--primary); border: 2px solid var(--primary); }
.btn-secondary:hover { background: var(--primary); color: var(--white); transform: translateY(-3px); }
.btn-whatsapp { background: #25D366; color: var(--white); box-shadow: var(--shadow-md); }
.btn-whatsapp:hover { background: #128C7E; transform: translateY(-3px); box-shadow: var(--shadow-lg); }

.hero-visual { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; max-width: 900px; margin: 0 auto; }
.visual-card {
    background: var(--white); padding: 25px; border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md); display: flex; align-items: center; justify-content: space-between;
    transition: var(--transition); border: 1px solid rgba(0,0,0,0.05); text-align: left;
}
.visual-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.card-content h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 5px; }
.card-content p { font-size: 0.9rem; color: var(--dark-gray); }
.card-icon { width: 50px; height: 50px; background: var(--gradient-primary); border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; color: var(--white); font-size: 1.2rem; flex-shrink: 0; margin-left: 1rem; }

/* ============================================
   SECTION HEADERS
   ============================================ */
.section-header { text-align: center; margin-bottom: 50px; }
.section-title { font-family: var(--font-secondary); font-size: 2.5rem; font-weight: 800; color: var(--black); margin-bottom: 15px; }
.section-subtitle { font-size: 1.1rem; color: var(--dark-gray); max-width: 700px; margin: 0 auto; }

/* ============================================
   LOAN TYPES (CARDS WITH HOVER FIX)
   ============================================ */
.loan-types { padding: 100px 0; background: var(--white); }
.loan-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(350px, 1fr)); gap: 30px; }

.loan-card {
    background: var(--white); padding: 35px 30px; border-radius: var(--radius-lg);
    border: 1px solid rgba(0,0,0,0.08); box-shadow: var(--shadow-sm);
    transition: var(--transition); position: relative;
    /* IMPORTANT: Keeps hover working with entrance animations */
    transform: translateY(0); 
}
.loan-card:hover {
    transform: translateY(-10px) scale(1.02) !important;
    box-shadow: var(--shadow-xl);
    border-color: var(--primary);
}
.loan-icon {
    width: 65px; height: 65px; background: var(--gradient-primary);
    border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center;
    color: var(--white); font-size: 1.8rem; margin-bottom: 25px; transition: var(--transition);
}
.loan-card:hover .loan-icon { transform: scale(1.1) rotate(5deg); }
.loan-card h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 15px; font-family: var(--font-secondary); }
.loan-card > p { color: var(--dark-gray); margin-bottom: 25px; line-height: 1.6; }

.loan-details {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px;
    background: var(--light-gray); padding: 15px; border-radius: var(--radius-md); margin-bottom: 25px;
}
.detail-item { text-align: center; }
.detail-item span { display: block; font-size: 0.8rem; color: var(--dark-gray); margin-bottom: 5px; }
.detail-item strong { display: block; font-size: 1rem; font-weight: 700; color: var(--primary); }

.loan-features { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 25px; }
.loan-features span {
    background: rgba(16, 185, 129, 0.1); color: var(--secondary);
    padding: 6px 12px; border-radius: var(--radius-full); font-size: 0.85rem; font-weight: 600;
}
.loan-cta {
    display: inline-flex; align-items: center; gap: 8px; color: var(--primary);
    font-weight: 700; font-size: 1rem; transition: var(--transition);
}
.loan-card:hover .loan-cta { gap: 12px; color: var(--primary-dark); }

/* ============================================
   EMI CALCULATOR
   ============================================ */
.calculator-section { padding: 100px 0; background: var(--off-white); }
.calculator-wrapper {
    display: grid; grid-template-columns: 1fr 1fr; gap: 50px;
    background: var(--white); padding: 40px; border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg); border: 1px solid rgba(0,0,0,0.05);
}
.input-group { margin-bottom: 25px; }
.input-label { display: flex; justify-content: space-between; font-weight: 700; margin-bottom: 15px; }
.input-label span:last-child { color: var(--primary); font-size: 1.2rem; font-family: var(--font-secondary); }

.loan-type-selector { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.loan-type-btn {
    padding: 15px 10px; background: var(--light-gray); border: 2px solid transparent;
    border-radius: var(--radius-md); font-weight: 600; cursor: pointer; transition: var(--transition);
    display: flex; flex-direction: column; align-items: center; gap: 8px; color: var(--dark-gray);
}
.loan-type-btn i { font-size: 1.5rem; }
.loan-type-btn:hover { background: rgba(79, 70, 229, 0.05); }
.loan-type-btn.active { background: var(--white); border-color: var(--primary); color: var(--primary); box-shadow: var(--shadow-sm); transform: translateY(-2px); }

.slider { width: 100%; height: 8px; background: var(--light-gray); border-radius: var(--radius-full); outline: none; -webkit-appearance: none; margin: 15px 0 10px; }
.slider::-webkit-slider-thumb {
    -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
    background: var(--primary); cursor: pointer; border: 4px solid var(--white);
    box-shadow: var(--shadow-md); transition: var(--transition);
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.range-labels { display: flex; justify-content: space-between; font-size: 0.8rem; color: var(--gray); font-weight: 600; }

.input-with-icon { position: relative; margin-top: 15px; }
.input-with-icon i { position: absolute; left: 15px; top: 50%; transform: translateY(-50%); color: var(--gray); }
.input-with-icon input {
    width: 100%; padding: 12px 15px 12px 40px; border: 2px solid var(--light-gray);
    border-radius: var(--radius-md); font-size: 1rem; font-weight: 700; color: var(--black);
}
.input-with-icon input:focus { outline: none; border-color: var(--primary); }

.calculator-results { display: flex; flex-direction: column; gap: 30px; }
.result-header { text-align: center; }
.result-header h3 { font-size: 1.5rem; font-family: var(--font-secondary); }
.result-main {
    background: var(--gradient-primary); padding: 30px; border-radius: var(--radius-lg);
    color: var(--white); box-shadow: var(--shadow-lg);
}
.emi-display { text-align: center; margin-bottom: 25px; padding-bottom: 25px; border-bottom: 1px solid rgba(255,255,255,0.2); }
.emi-display .label { font-size: 1.1rem; font-weight: 600; opacity: 0.9; }
.emi-display .value { font-size: 3rem; font-weight: 900; font-family: var(--font-secondary); margin-top: 5px; }

.result-details .detail { display: flex; justify-content: space-between; margin-bottom: 15px; font-size: 1rem; }
.result-details .detail:last-child { margin-bottom: 0; }
.result-details .detail strong { font-size: 1.1rem; }

.result-chart { background: var(--white); padding: 20px; border-radius: var(--radius-md); border: 1px solid var(--light-gray); }
.chart-container { height: 200px; margin-bottom: 15px; }
.chart-legend { display: flex; justify-content: center; gap: 20px; font-size: 0.9rem; font-weight: 600; }
.legend-item { display: flex; align-items: center; gap: 8px; }
.legend-color { width: 12px; height: 12px; border-radius: 3px; }

/* ============================================
   PROCESS, TEAM, CONTACT
   ============================================ */
.process-section { padding: 100px 0; background: var(--white); }
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.step { text-align: center; transition: var(--transition); padding: 20px; }
.step:hover { transform: translateY(-5px); }
.step-number { font-family: var(--font-secondary); font-size: 4rem; font-weight: 900; color: rgba(79, 70, 229, 0.1); margin-bottom: -25px; }
.step-icon {
    width: 80px; height: 80px; background: var(--gradient-primary); border-radius: 50%;
    display: flex; align-items: center; justify-content: center; color: var(--white);
    font-size: 2rem; margin: 0 auto 20px; box-shadow: var(--shadow-md); transition: var(--transition);
}
.step:hover .step-icon { transform: scale(1.1); box-shadow: var(--shadow-lg); }
.step h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 10px; }

.team-section { padding: 100px 0; background: var(--off-white); }
.team-members { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px; max-width: 900px; margin: 0 auto; }
.team-card { background: var(--white); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); transition: var(--transition); border: 1px solid rgba(0,0,0,0.05); }
.team-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-xl); border-color: var(--primary); }
.team-image { height: 180px; background: var(--gradient-primary); display: flex; align-items: center; justify-content: center; }
.image-placeholder { width: 100px; height: 100px; background: rgba(255,255,255,0.2); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--white); font-size: 3rem; border: 4px solid rgba(255,255,255,0.4); }
.team-info { padding: 30px; text-align: center; }
.team-info h3 { font-size: 1.5rem; font-weight: 800; font-family: var(--font-secondary); }
.team-role { display: inline-block; padding: 5px 15px; background: rgba(79, 70, 229, 0.1); color: var(--primary); border-radius: var(--radius-full); font-weight: 700; font-size: 0.85rem; margin: 10px 0 20px; }
.team-contact { display: flex; flex-direction: column; gap: 10px; margin-bottom: 25px; }
.team-contact a { display: flex; align-items: center; justify-content: center; gap: 10px; font-weight: 600; color: var(--dark-gray); }
.team-contact a:hover { color: var(--primary); }
.team-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }

.contact-section { padding: 100px 0; background: var(--white); }
.contact-wrapper { display: grid; grid-template-columns: 1fr 1.2fr; gap: 50px; }
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.info-card { display: flex; gap: 20px; padding: 25px; background: var(--off-white); border-radius: var(--radius-md); transition: var(--transition); border: 1px solid rgba(0,0,0,0.05); }
.info-card:hover { transform: translateX(10px); box-shadow: var(--shadow-md); border-color: var(--primary); }
.info-icon { width: 60px; height: 60px; background: var(--gradient-primary); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--white); font-size: 1.5rem; flex-shrink: 0; }
.info-content h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 5px; }
.info-content a { color: var(--primary); font-weight: 600; }

.contact-form { background: var(--white); padding: 40px; border-radius: var(--radius-lg); box-shadow: var(--shadow-xl); border: 1px solid rgba(0,0,0,0.05); }
.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; padding: 15px; border: 2px solid var(--light-gray); border-radius: var(--radius-md); font-family: var(--font-primary); font-size: 1rem; transition: var(--transition); }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(79, 70, 229, 0.1); }

/* ============================================
   FOOTER
   ============================================ */
.footer { background: var(--black); color: var(--white); padding: 60px 0 20px; }
.footer-content { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-logo .logo-icon { width: 50px; height: 50px; background: var(--gradient-primary); border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 15px; }
.footer-logo .logo-main { font-family: var(--font-secondary); font-size: 1.3rem; font-weight: 800; display: block; }
.footer-description { color: var(--gray); margin: 20px 0; }
.social-links { display: flex; gap: 15px; }
.social-links a { width: 40px; height: 40px; background: rgba(255,255,255,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; transition: var(--transition); }
.social-links a:hover { background: var(--primary); transform: translateY(-3px); }
.footer-section h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 20px; }
.footer-links li, .footer-contact li, .footer-services li { margin-bottom: 12px; color: var(--gray); display: flex; align-items: center; gap: 10px; transition: var(--transition); }
.footer-links a:hover { color: var(--white); padding-left: 5px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 20px; text-align: center; color: var(--gray); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; }
.developer-credit a { color: var(--primary-light); font-weight: 700; }

/* ============================================
   ANIMATIONS & EFFECTS
   ============================================ */
.whatsapp-float {
    position: fixed; bottom: 30px; right: 30px; width: 65px; height: 65px;
    background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center;
    color: var(--white); font-size: 2rem; box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
    z-index: 999; animation: pulse-wa 2s infinite; transition: var(--transition);
}
.whatsapp-float:hover { transform: scale(1.1); animation: none; box-shadow: 0 8px 30px rgba(37, 211, 102, 0.6); }
@keyframes pulse-wa { 0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.5); } 70% { box-shadow: 0 0 0 15px rgba(37, 211, 102, 0); } 100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); } }
.whatsapp-text { display: none; }

.scroll-top {
    position: fixed; bottom: 30px; right: 110px; width: 50px; height: 50px;
    background: var(--gradient-primary); border: none; border-radius: 50%;
    color: var(--white); font-size: 1.2rem; cursor: pointer; opacity: 0; visibility: hidden;
    transform: translateY(20px); transition: var(--transition); z-index: 998;
    box-shadow: var(--shadow-md);
}
.scroll-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.scroll-top:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }

/* ENTRANCE ANIMATIONS (Replaces AOS but guarantees hover works) */
.animate-in { animation: fadeUpIn 0.8s forwards cubic-bezier(0.4, 0, 0.2, 1); opacity: 0; }
@keyframes fadeUpIn {
    0% { opacity: 0; transform: translateY(40px); }
    100% { opacity: 1; transform: translateY(0); }
}
/* Staggering */
.loan-card:nth-child(1) { animation-delay: 0.1s; } .loan-card:nth-child(2) { animation-delay: 0.2s; }
.loan-card:nth-child(3) { animation-delay: 0.3s; } .loan-card:nth-child(4) { animation-delay: 0.4s; }
.loan-card:nth-child(5) { animation-delay: 0.5s; } .loan-card:nth-child(6) { animation-delay: 0.6s; }
.step:nth-child(1) { animation-delay: 0.1s; } .step:nth-child(2) { animation-delay: 0.2s; }
.step:nth-child(3) { animation-delay: 0.3s; } .step:nth-child(4) { animation-delay: 0.4s; }

/* ============================================
   RESPONSIVE DESIGN
   ============================================ */
@media (max-width: 1024px) {
    .hero-title { font-size: 3rem; }
    .hero-stats { grid-template-columns: repeat(2, 1fr); }
    .calculator-wrapper, .contact-wrapper { grid-template-columns: 1fr; }
    .footer-content { grid-template-columns: repeat(2, 1fr); }
    .portal-links-front { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .nav-menu {
        position: fixed; top: 0; left: 0; width: 100%; height: 100vh;
        background: var(--white); display: flex; align-items: center; justify-content: center;
        transform: translateX(-100%); transition: var(--transition); z-index: 1000;
    }
    .nav-menu.active { transform: translateX(0); }
    .nav-menu ul { flex-direction: column; text-align: center; }
    .nav-link { font-size: 1.2rem; }
    .mobile-menu-btn { display: flex; z-index: 1001; }
    .nav-actions .btn-call { display: none; }
    
    .hero { padding: 120px 0 50px; }
    .hero-title { font-size: 2.2rem; }
    .hero-visual { grid-template-columns: 1fr; }
    .loan-type-selector { grid-template-columns: repeat(2, 1fr); }
    .process-steps, .team-members { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .portal-links-front { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .hero-stats { grid-template-columns: 1fr; }
    .loan-details { grid-template-columns: 1fr; }
    .footer-content { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; gap: 15px; }
}