/* =============================================
   KRAY MICROFINANCE — style.css
   Brand: navy #003366 | blue #005DAA | gold #FFBC00
============================================= */

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

:root {
  --navy: #003366;
  --blue: #005DAA;
  --gold: #FFBC00;
  --gray-bg: #F4F7F9;
  --gray-light: #f1f5f9;
  --gray-border: #e2e8f0;
  --text-dark: #1a2b4a;
  --text-muted: #64748b;
  --white: #ffffff;
  --font: 'Plus Jakarta Sans', 'Inter', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,51,102,0.10);
  --shadow-lg: 0 20px 60px rgba(0,51,102,0.14);
  --radius: 12px;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font); background: var(--white); color: var(--text-dark); line-height: 1.6; }
a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* =============================================
   NAVBAR
============================================= */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  font-family: var(--font);
}

/* Utility Bar */
.nav-utility {
  background: var(--white);
  border-bottom: 1px solid var(--gray-border);
}
.nav-utility-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 40px;
  font-size: 13px;
}
.nav-segments {
  display: flex;
  align-items: stretch;
  height: 100%;
}
.segment {
  padding: 0 18px;
  display: flex;
  align-items: center;
  cursor: pointer;
  color: #64748b;
  font-weight: 500;
  position: relative;
  transition: color 0.2s;
}
.segment:hover { color: var(--navy); }
.segment.active {
  background: var(--navy);
  color: var(--white);
}
.segment.active::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue);
}
.nav-links-right {
  display: flex;
  gap: 20px;
  align-items: center;
  color: #94a3b8;
  font-size: 13px;
}
.nav-links-right a { color: #94a3b8; transition: color 0.2s; }
.nav-links-right a:hover { color: var(--navy); }
.country { color: var(--navy); font-size: 13px; }
.country strong { font-weight: 700; }

/* Main Nav */
.nav-main {
  background: var(--navy);
  color: var(--white);
}
.nav-main-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 72px;
}
.nav-left {
  display: flex;
  align-items: center;
  gap: 48px;
  height: 100%;
}
.logo {
  font-size: 28px;
  font-weight: 900;
  font-style: italic;
  letter-spacing: -1px;
  color: var(--white);
}
.nav-items {
  display: flex;
  height: 100%;
  align-items: stretch;
}
.nav-item {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 20px;
  cursor: pointer;
  font-size: 15px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--white);
  transition: background 0.2s;
  position: relative;
  white-space: nowrap;
}
.nav-item:hover { background: rgba(255,255,255,0.05); }
.nav-item.active {
  background: var(--white);
  color: var(--navy);
}
.nav-item.active::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--blue);
}
.chevron {
  width: 12px;
  height: 12px;
  transition: transform 0.25s;
}
.nav-item.active .chevron { transform: rotate(180deg); }
.nav-right {
  display: flex;
  align-items: center;
  gap: 24px;
}
.search-icon {
  width: 20px; height: 20px;
  color: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: color 0.2s;
}
.search-icon:hover { color: var(--white); }
.btn-online-banking {
  background: var(--blue);
  color: var(--white);
  padding: 0 28px;
  height: 44px;
  display: flex;
  align-items: center;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: 3px;
  transition: filter 0.2s;
}
.btn-online-banking:hover { filter: brightness(1.1); }

/* Mega Menu */
.mega-menu {
  background: var(--white);
  box-shadow: var(--shadow-lg);
  display: none;
}
.mega-menu.open { display: block; }
.mega-panel {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 48px;
  padding: 48px 0;
}
.mega-panel.hidden { display: none; }
.mega-col h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid #f1f5f9;
}
.mega-col ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.mega-col ul li a {
  color: var(--text-muted);
  font-size: 14px;
  font-weight: 400;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: color 0.2s;
}
.mega-col ul li a::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #cbd5e1;
  flex-shrink: 0;
  transition: background 0.2s;
}
.mega-col ul li a:hover { color: var(--blue); }
.mega-col ul li a:hover::before { background: var(--blue); }
.mega-promo {
  background: #f8fafc;
  border: 1px solid var(--gray-border);
  border-radius: var(--radius);
  padding: 28px;
}
.promo-tag {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--blue);
  margin-bottom: 10px;
}
.mega-promo h5 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.3;
}
.mega-promo p {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 20px;
  line-height: 1.6;
}
.promo-link {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  border-bottom: 2px solid var(--blue);
  padding-bottom: 2px;
  transition: color 0.2s;
}
.promo-link:hover { color: var(--blue); }

/* =============================================
   HERO
============================================= */
.hero {
  margin-top: 112px; /* navbar height */
  position: relative;
  overflow: hidden;
  background: var(--navy);
}
.hero-slides { position: relative; }
.hero-slide {
  display: none;
  min-height: 600px;
  background-size: cover;
  background-position: center;
  align-items: center;
  position: relative;
}
.hero-slide.active { display: flex; }
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, var(--navy) 30%, rgba(0,51,102,0.75) 60%, transparent 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 60px;
  padding-bottom: 80px;
}
.hero-text { max-width: 640px; }
.hero-text h1 {
  font-size: clamp(44px, 6vw, 72px);
  font-weight: 500;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.hero-highlight {
  color: var(--gold);
  font-style: italic;
  font-weight: 300;
}
.hero-sub-wrap {
  border-left: 3px solid var(--gold);
  padding-left: 20px;
  margin-bottom: 36px;
}
.hero-sub-wrap p {
  color: rgba(255,255,255,0.82);
  font-size: 18px;
  font-weight: 400;
  line-height: 1.6;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  padding: 14px 32px;
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  border-radius: 3px;
  transition: background 0.2s;
  display: inline-flex;
  align-items: center;
}
.btn-gold:hover { background: #ffe040; }
.btn-outline-white {
  border: 1.5px solid var(--white);
  color: var(--white);
  padding: 14px 32px;
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  border-radius: 3px;
  transition: background 0.2s;
  display: inline-flex;
  align-items: center;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); }
.hero-dots {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 5;
}
.dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.3);
  border: none;
  cursor: pointer;
  transition: background 0.3s;
  padding: 0;
}
.dot.active { background: var(--white); }

/* =============================================
   QUICK SERVICES
============================================= */
.quick-services {
  background: var(--white);
  border-bottom: 1px solid var(--gray-border);
}
.qs-grid {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.qs-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 32px 16px;
  border-right: 1px solid var(--gray-border);
  cursor: pointer;
  transition: background 0.2s;
  gap: 12px;
}
.qs-item:last-child { border-right: none; }
.qs-item:hover { background: var(--gray-bg); }
.qs-item svg {
  width: 32px; height: 32px;
  color: var(--blue);
  transition: transform 0.2s;
}
.qs-item:hover svg { transform: scale(1.1); }
.qs-item span {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.05em;
  text-align: center;
  text-transform: uppercase;
}

/* =============================================
   PROMO CARD
============================================= */
.promo-section {
  background: var(--gray-light);
  padding: 48px 0;
}
.promo-card {
  background: var(--blue);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: row;
  align-items: center;
  padding: 60px 64px;
  gap: 48px;
  position: relative;
}
.promo-decor {
  position: absolute;
  right: 0; top: 0; bottom: 0;
  width: 33%;
  background: rgba(255,255,255,0.05);
  transform: skewX(-12deg) translateX(60px);
  pointer-events: none;
}
.promo-text { flex: 1; position: relative; z-index: 1; }
.promo-text h2 {
  color: var(--white);
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 20px;
  max-width: 420px;
}
.promo-text p {
  color: rgba(255,255,255,0.82);
  font-size: 16px;
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 480px;
}
.btn-white-pill {
  background: var(--white);
  color: var(--blue);
  padding: 12px 32px;
  border-radius: 999px;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  transition: background 0.2s;
  display: inline-flex;
}
.btn-white-pill:hover { background: #f0f4ff; }
.promo-visual { flex: 1; display: flex; justify-content: center; z-index: 1; }
.card-mockup {
  width: 280px;
  height: 170px;
  background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%);
  border-radius: 14px;
  border: 1px solid rgba(255,255,255,0.15);
  box-shadow: 0 25px 60px rgba(0,0,0,0.4);
  padding: 20px 22px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}
.card-chip {
  width: 36px; height: 28px;
  background: linear-gradient(135deg, var(--gold), #e6a500);
  border-radius: 5px;
}
.card-brand-text {
  font-size: 7px;
  color: rgba(255,255,255,0.4);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-style: italic;
  text-align: right;
}
.card-number {
  font-family: monospace;
  color: rgba(255,255,255,0.88);
  font-size: 14px;
  letter-spacing: 0.18em;
}
.card-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.card-network-name {
  font-size: 10px;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.card-circles { display: flex; }
.circle {
  width: 24px; height: 24px;
  border-radius: 50%;
}
.circle.red { background: rgba(220,38,38,0.85); }
.circle.yellow { background: rgba(234,179,8,0.85); margin-left: -8px; }

/* =============================================
   FEATURED SOLUTIONS
============================================= */
.featured-solutions {
  background: var(--white);
  padding: 72px 0;
}
.section-heading {
  font-size: clamp(28px, 3.5vw, 40px);
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin-bottom: 48px;
}
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.solution-card {
  display: flex;
  border: 1px solid var(--gray-border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  min-height: 280px;
  transition: box-shadow 0.25s;
}
.solution-card:hover { box-shadow: var(--shadow-md); }
.solution-text {
  flex: 1;
  padding: 36px 32px;
  background: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
}
/* Notch arrow */
.solution-text::after {
  content: '';
  position: absolute;
  right: -10px;
  top: 50%;
  transform: translateY(-50%);
  width: 0; height: 0;
  border-top: 12px solid transparent;
  border-bottom: 12px solid transparent;
  border-left: 12px solid var(--white);
  z-index: 2;
}
.solution-text h3 {
  font-size: 20px;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 12px;
}
.solution-text p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.65;
  flex: 1;
}
.tell-more {
  color: var(--blue);
  font-size: 14px;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 20px;
  transition: gap 0.2s;
}
.tell-more:hover { gap: 10px; }
.solution-image {
  flex: 1;
  position: relative;
  min-height: 200px;
  background: var(--gray-bg);
}
.solution-image img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* =============================================
   APP FEATURE
============================================= */
.app-feature {
  background: var(--gray-light);
  padding: 80px 0;
  border-top: 1px solid var(--gray-border);
}
.app-feature-inner {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 64px;
}
.app-image { flex: 1; }
.app-image img {
  width: 100%;
  max-width: 440px;
  margin: 0 auto;
  border-radius: var(--radius);
}
.app-text { flex: 1; }
.app-text h2 {
  font-size: clamp(28px, 3.5vw, 40px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 20px;
}
.app-text > p {
  color: var(--text-muted);
  font-size: 17px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.app-features-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 32px;
}
.app-features-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
}
.dot-bullet {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--blue);
  flex-shrink: 0;
}
.app-badges { display: flex; gap: 16px; }
.store-badge {
  height: 40px;
  width: auto;
  cursor: pointer;
  transition: opacity 0.2s;
  border-radius: 6px;
}
.store-badge:hover { opacity: 0.8; }

/* =============================================
   INQUIRY SECTION
============================================= */
.inquiry-section {
  display: flex;
  min-height: 480px;
  border-top: 1px solid var(--gray-border);
}
.inquiry-left {
  flex: 1;
  background: var(--blue);
  padding: 64px;
  display: flex;
  align-items: center;
}
.inquiry-left-inner { max-width: 400px; margin-left: auto; width: 100%; }
.inquiry-block { margin-bottom: 48px; }
.inquiry-block:last-child { margin-bottom: 0; }
.inquiry-block h3 {
  font-size: 28px;
  font-weight: 500;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}
.contact-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  border-bottom: 1px solid rgba(255,255,255,0.2);
  padding-bottom: 14px;
  margin-bottom: 14px;
}
.contact-row:last-child { margin-bottom: 0; }
.contact-label {
  font-size: 13px;
  color: rgba(255,255,255,0.7);
  font-weight: 300;
}
.contact-value {
  font-size: 20px;
  color: var(--white);
  font-weight: 400;
}
.contact-value.small { font-size: 15px; }
.inquiry-right {
  flex: 1;
  background: var(--white);
  padding: 64px;
  display: flex;
  align-items: center;
}
.inquiry-right-inner { max-width: 400px; }
.know-us { margin-bottom: 40px; }
.know-us h3, .careers-block h3, .feedback-block h3 {
  font-size: 28px;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.careers-block h3, .feedback-block h3 { font-size: 22px; }
.know-links { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.know-links li a {
  color: var(--blue);
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s;
}
.know-links li a:hover { gap: 10px; }
.know-links li a span {
  font-size: 18px;
  transition: transform 0.2s;
}
.know-links li a:hover span { transform: translateX(4px); }
.careers-block {
  margin-bottom: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid var(--gray-border);
}
.careers-block p {
  color: var(--text-muted);
  font-size: 15px;
  margin-bottom: 16px;
  line-height: 1.6;
}
.careers-link {
  color: var(--blue);
  font-size: 13px;
  font-weight: 700;
  border-bottom: 2px solid var(--blue);
  padding-bottom: 2px;
  transition: opacity 0.2s;
}
.careers-link:hover { opacity: 0.7; }
.btn-blue-solid {
  background: var(--blue);
  color: var(--white);
  padding: 14px 36px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  display: inline-flex;
  box-shadow: 0 4px 20px rgba(0,93,170,0.2);
  transition: background 0.2s;
}
.btn-blue-solid:hover { background: var(--navy); }

/* =============================================
   FOOTER
============================================= */
.footer {
  background: #1a1e23;
  color: var(--white);
  padding: 64px 0 32px;
  font-family: var(--font);
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo {
  font-size: 22px;
  font-weight: 900;
  font-style: italic;
  letter-spacing: -0.5px;
}
.footer-logo-light {
  color: var(--blue);
  font-weight: 300;
}
.footer-divider {
  width: 1px; height: 20px;
  background: rgba(255,255,255,0.2);
}
.footer-tag {
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: rgba(255,255,255,0.4);
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-bottom: 48px;
}
.footer-col h4 {
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--white);
  margin-bottom: 8px;
}
.footer-accent {
  width: 36px; height: 2px;
  background: var(--blue);
  margin-bottom: 20px;
}
.footer-col p {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 8px;
}
.footer-col p strong { color: rgba(255,255,255,0.8); }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--blue); }
.footer-app {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  margin-bottom: 32px;
}
.footer-app-label {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: rgba(255,255,255,0.3);
  margin-bottom: 14px;
}
.footer-badges { display: flex; gap: 16px; }
.footer-badges img {
  height: 36px;
  width: auto;
  cursor: pointer;
  opacity: 0.75;
  transition: opacity 0.2s;
}
.footer-badges img:hover { opacity: 1; }
.footer-copy {
  font-size: 10px;
  color: rgba(255,255,255,0.18);
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

/* =============================================
   RESPONSIVE
============================================= */
@media (max-width: 1024px) {
  .nav-items { display: none; }
  .solutions-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .hero { margin-top: 100px; }
  .hero-slide { min-height: 480px; }
  .hero-text h1 { font-size: 38px; }
  .qs-grid { grid-template-columns: repeat(2, 1fr); }
  .qs-item { border-bottom: 1px solid var(--gray-border); }
  .promo-card { flex-direction: column; padding: 40px 28px; }
  .promo-decor { display: none; }
  .app-feature-inner { flex-direction: column; }
  .app-image { order: 2; }
  .app-text { order: 1; }
  .inquiry-section { flex-direction: column; }
  .inquiry-left, .inquiry-right { padding: 40px 24px; }
  .inquiry-left-inner, .inquiry-right-inner { max-width: 100%; margin: 0; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-links-right { display: none; }
  .solution-card { flex-direction: column; }
  .solution-text::after { display: none; }
  .solution-image { min-height: 200px; }
  .container { padding: 0 16px; }
}

@media (max-width: 480px) {
  .qs-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions a { text-align: center; justify-content: center; }
}
:root{--navy:#003366;--blue:#005DAA;--gold:#FFBC00;--gray-bg:#F4F7F9;--gray-light:#f1f5f9;--gray-border:#e2e8f0;--text-dark:#1a2b4a;--text-muted:#64748b;--white:#ffffff;--font:'Plus Jakarta Sans','Inter',sans-serif;--shadow-sm:0 1px 3px rgba(0,0,0,.06);--shadow-md:0 4px 16px rgba(0,51,102,.10);--shadow-lg:0 20px 60px rgba(0,51,102,.14);--radius:12px;}

/* PRODUCT HERO */
.prod-hero{margin-top:112px;background:var(--navy);padding:72px 0 80px;position:relative;overflow:hidden;}
.prod-hero::before{content:'';position:absolute;right:-80px;top:-80px;width:520px;height:520px;border-radius:50%;background:rgba(255,188,0,.06);pointer-events:none;}
.prod-hero-inner{display:flex;align-items:center;gap:64px;}
.prod-hero-text{flex:1;position:relative;z-index:1;}
.prod-category-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(255,188,0,.15);border:1px solid rgba(255,188,0,.3);color:var(--gold);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.14em;padding:6px 14px;border-radius:999px;margin-bottom:20px;}
.prod-hero-text h1{font-size:clamp(36px,5vw,60px);font-weight:700;color:#fff;line-height:1.1;letter-spacing:-.02em;margin-bottom:18px;}
.prod-hero-text h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.prod-tagline{font-size:18px;color:rgba(255,255,255,.75);line-height:1.65;max-width:480px;margin-bottom:36px;}
.prod-hero-actions{display:flex;gap:14px;flex-wrap:wrap;}
.prod-hero-visual{flex:0 0 320px;position:relative;z-index:1;}
.prod-stat-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:28px 32px;}
.stat-row{display:flex;justify-content:space-between;align-items:flex-end;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08);}
.stat-row:last-child{border-bottom:none;}
.stat-label{font-size:12px;color:rgba(255,255,255,.5);font-weight:500;text-transform:uppercase;letter-spacing:.08em;}
.stat-value{font-size:18px;font-weight:700;color:#fff;text-align:right;}
.stat-valuegold{color:var(--gold);}

/* HIGHLIGHTS */
.highlights-strip{background:#fff;border-bottom:1px solid var(--gray-border);}
.highlights-grid{display:grid;grid-template-columns:repeat(3,1fr);}
.highlight-item{padding:36px 32px;border-right:1px solid var(--gray-border);display:flex;flex-direction:column;gap:8px;}
.highlight-item:last-child{border-right:none;}
.highlight-number{font-size:36px;font-weight:800;color:var(--navy);letter-spacing:-.02em;line-height:1;}
.highlight-label{font-size:11px;color:var(--text-muted);font-weight:700;text-transform:uppercase;letter-spacing:.1em;}
.highlight-sub{font-size:13px;color:var(--text-muted);}

/* WHO SECTION */
.who-section{background:var(--gray-light);padding:72px 0;}
.who-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.who-text h2{font-size:clamp(28px,3vw,40px);font-weight:600;color:var(--navy);letter-spacing:-.02em;margin-bottom:16px;}
.who-text p{font-size:16px;color:var(--text-muted);line-height:1.7;margin-bottom:28px;}
.who-tags{display:flex;flex-wrap:wrap;gap:10px;}
.who-tag{background:#fff;border:1.5px solid var(--gray-border);color:var(--navy);font-size:13px;font-weight:600;padding:8px 18px;border-radius:999px;transition:all .2s;}
.who-tag:hover{border-color:var(--blue);color:var(--blue);}
.who-visual{background:var(--navy);border-radius:20px;padding:40px;}
.who-visual-title{font-size:11px;font-weight:700;color:rgba(255,255,255,.4);text-transform:uppercase;letter-spacing:.14em;margin-bottom:20px;}
.eligibility-item{display:flex;align-items:flex-start;gap:14px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.07);}
.eligibility-item:last-child{border-bottom:none;}
.eli-icon{width:32px;height:32px;background:rgba(0,93,170,.3);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.eli-icon svg{width:16px;height:16px;color:var(--gold);}
.eli-text{font-size:14px;color:rgba(255,255,255,.8);line-height:1.5;}

/* DETAILS TABS */
.details-section{background:#fff;padding:72px 0;}
.details-inner{display:grid;grid-template-columns:1fr 360px;gap:48px;align-items:start;}
.prod-tabs{display:flex;border-bottom:2px solid var(--gray-border);margin-bottom:40px;overflow-x:auto;}
.prod-tab{padding:14px 28px;font-size:14px;font-weight:600;color:var(--text-muted);cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-2px;transition:all .2s;white-space:nowrap;}
.prod-tab:hover{color:var(--navy);}
.prod-tab.active{color:var(--navy);border-bottom-color:var(--blue);}
.prod-panel{display:none;}
.prod-panel.active{display:block;}
.features-list{list-style:none;display:flex;flex-direction:column;gap:16px;}
.features-list li{display:flex;align-items:flex-start;gap:14px;font-size:15px;color:var(--text-dark);line-height:1.5;}
.feat-check{width:22px;height:22px;background:rgba(0,93,170,.1);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;}
.feat-check svg{width:12px;height:12px;color:var(--blue);}
.requirements-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.req-item{display:flex;align-items:center;gap:12px;background:var(--gray-bg);border-radius:10px;padding:14px 16px;font-size:14px;color:var(--navy);font-weight:500;}
.req-dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex-shrink:0;}

/* APPLY PANEL */
.apply-panel{background:var(--navy);border-radius:16px;padding:36px 28px;position:sticky;top:130px;}
.apply-panel h3{font-size:22px;font-weight:700;color:#fff;margin-bottom:6px;}
.apply-panel>p{font-size:14px;color:rgba(255,255,255,.6);margin-bottom:24px;line-height:1.5;}
.apply-divider{height:1px;background:rgba(255,255,255,.1);margin:20px 0;}
.apply-contact-row{display:flex;align-items:center;gap:12px;margin-bottom:12px;}
.apply-contact-row svg{width:18px;height:18px;color:var(--gold);flex-shrink:0;}
.apply-contact-row span,.apply-contact-row a{font-size:13px;color:rgba(255,255,255,.7);text-decoration:none;}
.btn-apply-full{display:flex;width:100%;align-items:center;justify-content:center;background:var(--gold);color:var(--navy);padding:16px;border-radius:8px;font-weight:800;font-size:14px;text-transform:uppercase;letter-spacing:.08em;text-decoration:none;transition:background .2s;margin-bottom:12px;}
.btn-apply-full:hover{background:#ffe040;}
.btn-apply-outline{display:flex;width:100%;align-items:center;justify-content:center;border:1.5px solid rgba(255,255,255,.25);color:rgba(255,255,255,.8);padding:14px;border-radius:8px;font-weight:600;font-size:13px;text-decoration:none;transition:all .2s;}
.btn-apply-outline:hover{background:rgba(255,255,255,.07);}

/* RELATED */
.related-section{background:var(--gray-light);padding:64px 0;border-top:1px solid var(--gray-border);}
.related-section h2{font-size:28px;font-weight:600;color:var(--navy);margin-bottom:36px;}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.related-card{background:#fff;border:1px solid var(--gray-border);border-radius:var(--radius);padding:28px;transition:box-shadow .2s;display:flex;flex-direction:column;gap:10px;text-decoration:none;}
.related-card:hover{box-shadow:var(--shadow-md);}
.related-tag{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);}
.related-card h4{font-size:18px;font-weight:600;color:var(--navy);line-height:1.3;}
.related-card p{font-size:13px;color:var(--text-muted);line-height:1.6;flex:1;}
.related-link{font-size:13px;font-weight:700;color:var(--blue);display:flex;align-items:center;gap:4px;margin-top:6px;transition:gap .2s;}
.related-card:hover .related-link{gap:8px;}

/* CATEGORY PAGES */
.cat-hero{background:var(--navy);padding:80px 0 72px;margin-top:112px;position:relative;overflow:hidden;}
.cat-hero::after{content:'';position:absolute;right:-60px;top:-60px;width:480px;height:480px;border-radius:50%;background:rgba(255,188,0,.06);pointer-events:none;}
.cat-hero-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(255,188,0,.15);border:1px solid rgba(255,188,0,.3);color:var(--gold);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.14em;padding:6px 14px;border-radius:999px;margin-bottom:18px;}
.cat-hero h1{font-size:clamp(36px,5vw,60px);font-weight:700;color:#fff;line-height:1.1;letter-spacing:-.02em;margin-bottom:14px;}
.cat-hero h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.cat-hero p{font-size:18px;color:rgba(255,255,255,.75);max-width:560px;line-height:1.7;}
.cat-hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.lcat-section{background:var(--gray-bg);padding:72px 0;}
.lcat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.lcat-card{background:#fff;border:1px solid var(--gray-border);border-radius:14px;padding:32px;display:flex;flex-direction:column;gap:12px;transition:box-shadow .2s,transform .2s;text-decoration:none;}
.lcat-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px);}
.lcat-card-tag{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:var(--blue);}
.lcat-card h3{font-size:20px;font-weight:600;color:var(--navy);line-height:1.3;}
.lcat-card p{font-size:14px;color:var(--text-muted);line-height:1.65;flex:1;}
.lcat-meta{display:flex;gap:16px;margin-top:4px;border-top:1px solid var(--gray-border);padding-top:16px;}
.lcat-meta-item{display:flex;flex-direction:column;gap:2px;}
.lcat-meta-label{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--text-muted);font-weight:600;}
.lcat-meta-val{font-size:15px;font-weight:700;color:var(--navy);}
.lcat-cta{font-size:13px;font-weight:700;color:var(--blue);display:flex;align-items:center;gap:4px;transition:gap .2s;}
.lcat-card:hover .lcat-cta{gap:8px;}
.why-section{background:#fff;padding:72px 0;}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:40px;}
.why-card{padding:28px;border-radius:14px;background:var(--gray-bg);display:flex;flex-direction:column;gap:12px;}
.why-icon{width:48px;height:48px;background:rgba(0,93,170,.1);border-radius:12px;display:flex;align-items:center;justify-content:center;}
.why-icon svg{width:24px;height:24px;color:var(--blue);}
.why-card h4{font-size:16px;font-weight:700;color:var(--navy);}
.why-card p{font-size:13px;color:var(--text-muted);line-height:1.6;}
.cta-banner{background:var(--navy);padding:60px 0;}
.cta-banner-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;}
.cta-banner h2{font-size:clamp(24px,3vw,36px);font-weight:700;color:#fff;max-width:480px;line-height:1.2;}
.cta-banner p{color:rgba(255,255,255,.7);margin-top:8px;font-size:15px;}
.cta-banner-actions{display:flex;gap:14px;flex-shrink:0;}

/* ABOUT */
.about-hero{background:var(--navy);padding:80px 0 72px;margin-top:112px;position:relative;overflow:hidden;}
.about-hero h1{font-size:clamp(36px,5vw,60px);font-weight:700;color:#fff;line-height:1.1;letter-spacing:-.02em;margin-bottom:14px;}
.about-hero h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.about-hero p{font-size:18px;color:rgba(255,255,255,.75);max-width:600px;line-height:1.7;}
.about-mission{background:#fff;padding:80px 0;}
.about-mission-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.about-mission-text h2{font-size:clamp(28px,3.5vw,42px);font-weight:700;color:var(--navy);letter-spacing:-.02em;margin-bottom:20px;line-height:1.2;}
.about-mission-text p{font-size:16px;color:var(--text-muted);line-height:1.8;margin-bottom:16px;}
.about-mission-visual{background:var(--navy);border-radius:20px;padding:40px;}
.mv-item{padding:24px 0;border-bottom:1px solid rgba(255,255,255,.08);}
.mv-item:last-child{border-bottom:none;}
.mv-label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.14em;color:var(--gold);margin-bottom:8px;}
.mv-text{font-size:15px;color:rgba(255,255,255,.85);line-height:1.6;}
.values-section{background:var(--gray-bg);padding:72px 0;}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px;}
.value-card{background:#fff;border-radius:14px;padding:32px;border:1px solid var(--gray-border);}
.value-num{font-size:48px;font-weight:900;color:rgba(0,51,102,.08);line-height:1;margin-bottom:12px;letter-spacing:-.04em;}
.value-card h4{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.value-card p{font-size:14px;color:var(--text-muted);line-height:1.65;}
.stats-band{background:var(--blue);padding:60px 0;}
.stats-band-grid{display:grid;grid-template-columns:repeat(4,1fr);}
.stat-band-item{text-align:center;padding:20px;border-right:1px solid rgba(255,255,255,.15);}
.stat-band-item:last-child{border-right:none;}
.stat-band-num{font-size:42px;font-weight:900;color:#fff;letter-spacing:-.02em;line-height:1;}
.stat-band-num span{font-size:24px;font-weight:600;}
.stat-band-label{font-size:12px;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.1em;margin-top:6px;font-weight:600;}
.leadership-section{background:#fff;padding:72px 0;}
.leadership-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px;}
.leader-card{border:1px solid var(--gray-border);border-radius:14px;overflow:hidden;}
.leader-photo{height:200px;background:var(--navy);display:flex;align-items:center;justify-content:center;position:relative;}
.leader-initials{font-size:48px;font-weight:800;color:rgba(255,255,255,.15);font-style:italic;}
.leader-gold-bar{position:absolute;bottom:0;left:0;right:0;height:4px;background:var(--gold);}
.leader-info{padding:24px;}
.leader-name{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:4px;}
.leader-title{font-size:13px;color:var(--blue);font-weight:600;text-transform:uppercase;letter-spacing:.08em;}
.leader-bio{font-size:13px;color:var(--text-muted);line-height:1.6;margin-top:10px;}

/* CONTACT */
.contact-hero{background:var(--navy);padding:72px 0 60px;margin-top:112px;}
.contact-hero h1{font-size:clamp(32px,5vw,56px);font-weight:700;color:#fff;margin-bottom:12px;letter-spacing:-.02em;}
.contact-hero h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.contact-hero p{font-size:17px;color:rgba(255,255,255,.75);max-width:520px;line-height:1.7;}
.contact-main{background:var(--gray-bg);padding:72px 0;}
.contact-grid{display:grid;grid-template-columns:1fr 400px;gap:48px;align-items:start;}
.contact-form-card{background:#fff;border-radius:16px;padding:40px;border:1px solid var(--gray-border);}
.contact-form-card h2{font-size:24px;font-weight:700;color:var(--navy);margin-bottom:6px;}
.contact-form-card>p{font-size:14px;color:var(--text-muted);margin-bottom:28px;}
.form-group{margin-bottom:20px;}
.form-label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:6px;text-transform:uppercase;letter-spacing:.06em;}
.form-input,.form-select,.form-textarea{width:100%;padding:14px 16px;border:1.5px solid var(--gray-border);border-radius:8px;font-family:inherit;font-size:15px;color:var(--text-dark);background:#fff;transition:border-color .2s;outline:none;box-sizing:border-box;}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--blue);}
.form-textarea{resize:vertical;min-height:120px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.btn-submit{width:100%;background:var(--blue);color:#fff;padding:16px;border:none;border-radius:8px;font-family:inherit;font-size:15px;font-weight:700;cursor:pointer;transition:background .2s;margin-top:8px;}
.btn-submit:hover{background:var(--navy);}
.contact-sidebar{display:flex;flex-direction:column;gap:20px;}
.contact-info-card{background:#fff;border-radius:14px;padding:28px;border:1px solid var(--gray-border);}
.contact-info-card h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid var(--gray-border);}
.contact-detail{display:flex;align-items:flex-start;gap:14px;margin-bottom:16px;}
.contact-detail:last-child{margin-bottom:0;}
.contact-detail-icon{width:36px;height:36px;background:rgba(0,93,170,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.contact-detail-icon svg{width:16px;height:16px;color:var(--blue);}
.contact-detail-label{font-size:11px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em;font-weight:600;margin-bottom:2px;}
.contact-detail-value{font-size:14px;color:var(--navy);font-weight:600;}
.contact-detail-value a{color:var(--navy);text-decoration:none;}
.branch-card{background:var(--navy);border-radius:14px;padding:28px;}
.branch-card h3{font-size:16px;font-weight:700;color:#fff;margin-bottom:16px;}
.branch-item{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08);}
.branch-item:last-child{border-bottom:none;}
.branch-name{font-size:14px;font-weight:700;color:#fff;margin-bottom:4px;}
.branch-address{font-size:13px;color:rgba(255,255,255,.6);}
.hours-card{background:var(--gold);border-radius:14px;padding:24px;}
.hours-card h3{font-size:15px;font-weight:800;color:var(--navy);margin-bottom:14px;}
.hours-row{display:flex;justify-content:space-between;font-size:13px;color:var(--navy);padding:6px 0;border-bottom:1px solid rgba(0,51,102,.1);}
.hours-row:last-child{border-bottom:none;}
.hours-row span:last-child{font-weight:700;}

/* DIGITAL */
.digital-hero{background:var(--navy);padding:80px 0;margin-top:112px;position:relative;overflow:hidden;}
.digital-hero::before{content:'';position:absolute;right:0;top:0;bottom:0;width:50%;background:linear-gradient(135deg,rgba(0,93,170,.3),transparent);}
.digital-hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.digital-hero-text h1{font-size:clamp(36px,5vw,60px);font-weight:700;color:#fff;line-height:1.1;letter-spacing:-.02em;margin-bottom:16px;}
.digital-hero-text h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.digital-hero-text p{font-size:17px;color:rgba(255,255,255,.75);line-height:1.7;margin-bottom:32px;}
.app-download-btns{display:flex;gap:14px;flex-wrap:wrap;}
.app-btn{display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.25);color:#fff;padding:12px 20px;border-radius:10px;transition:background .2s;text-decoration:none;}
.app-btn:hover{background:rgba(255,255,255,.18);}
.app-btn svg{width:24px;height:24px;}
.app-btn-text{display:flex;flex-direction:column;}
.app-btn-sub{font-size:10px;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;}
.app-btn-name{font-size:15px;font-weight:700;}
.digital-hero-visual{position:relative;z-index:1;display:flex;justify-content:center;}
.phone-mockup{width:200px;height:360px;background:linear-gradient(135deg,#1a1a2e,#16213e);border-radius:32px;border:6px solid rgba(255,255,255,.15);box-shadow:0 40px 80px rgba(0,0,0,.4);display:flex;flex-direction:column;overflow:hidden;}
.phone-screen{flex:1;background:var(--navy);padding:20px 14px;display:flex;flex-direction:column;gap:8px;}
.phone-status{display:flex;justify-content:space-between;font-size:9px;color:rgba(255,255,255,.5);margin-bottom:6px;}
.phone-balance-label{font-size:9px;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.1em;}
.phone-balance{font-size:22px;font-weight:800;color:#fff;margin-bottom:8px;}
.phone-actions{display:grid;grid-template-columns:1fr 1fr;gap:6px;}
.phone-action-btn{background:rgba(255,255,255,.08);border-radius:8px;padding:8px 6px;text-align:center;font-size:8px;color:rgba(255,255,255,.7);font-weight:600;}
.phone-divider{height:1px;background:rgba(255,255,255,.08);margin:8px 0;}
.phone-txn{display:flex;justify-content:space-between;font-size:9px;color:rgba(255,255,255,.6);padding:4px 0;}
.phone-txn-amount{color:var(--gold);font-weight:700;}
.features-section{background:#fff;padding:72px 0;}
.features-big-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px;}
.feature-big-card{border:1px solid var(--gray-border);border-radius:16px;padding:32px;transition:box-shadow .2s;}
.feature-big-card:hover{box-shadow:var(--shadow-md);}
.feature-big-icon{width:56px;height:56px;background:rgba(0,93,170,.1);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.feature-big-icon svg{width:26px;height:26px;color:var(--blue);}
.feature-big-card h3{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:10px;}
.feature-big-card p{font-size:14px;color:var(--text-muted);line-height:1.65;}
.ussd-section{background:var(--navy);padding:72px 0;}
.ussd-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.ussd-text h2{font-size:clamp(28px,3.5vw,42px);font-weight:700;color:#fff;margin-bottom:16px;letter-spacing:-.02em;}
.ussd-text p{font-size:16px;color:rgba(255,255,255,.75);line-height:1.7;margin-bottom:24px;}
.ussd-code-display{background:rgba(255,188,0,.1);border:2px solid var(--gold);border-radius:16px;padding:28px;text-align:center;}
.ussd-code{font-size:48px;font-weight:900;color:var(--gold);letter-spacing:.04em;margin-bottom:8px;}
.ussd-code-sub{font-size:13px;color:rgba(255,255,255,.6);}
.ussd-steps{display:flex;flex-direction:column;}
.ussd-step{display:flex;align-items:flex-start;gap:16px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.07);}
.ussd-step:last-child{border-bottom:none;}
.ussd-step-num{width:28px;height:28px;background:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;color:#fff;flex-shrink:0;margin-top:2px;}
.ussd-step-text{font-size:14px;color:rgba(255,255,255,.8);line-height:1.5;}
.ussd-step-text strong{color:#fff;}

/* LOGIN */
body.login-page{background:var(--navy);min-height:100vh;}
.login-wrapper{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:140px 24px 60px;}
.login-split{display:grid;grid-template-columns:1fr 420px;gap:80px;align-items:center;max-width:1000px;width:100%;margin:0 auto;}
.login-brand h1{font-size:clamp(32px,4vw,48px);font-weight:700;color:#fff;line-height:1.15;letter-spacing:-.02em;margin-bottom:16px;}
.login-brand h1 em{color:var(--gold);font-style:italic;font-weight:300;}
.login-brand p{font-size:16px;color:rgba(255,255,255,.65);line-height:1.7;max-width:420px;margin-bottom:32px;}
.login-features{display:flex;flex-direction:column;gap:16px;}
.login-feat{display:flex;align-items:center;gap:14px;}
.login-feat-icon{width:36px;height:36px;background:rgba(255,188,0,.15);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.login-feat-icon svg{width:16px;height:16px;color:var(--gold);}
.login-feat span{font-size:14px;color:rgba(255,255,255,.75);}
.login-card{background:#fff;border-radius:20px;padding:40px;box-shadow:0 40px 80px rgba(0,0,0,.3);}
.login-card-header{text-align:center;margin-bottom:32px;}
.login-logo-text{font-size:24px;font-weight:900;font-style:italic;color:var(--navy);letter-spacing:-.5px;margin-bottom:4px;}
.login-card-sub{font-size:13px;color:var(--text-muted);}
.login-tabs{display:flex;background:var(--gray-bg);border-radius:8px;padding:4px;margin-bottom:28px;}
.login-tab{flex:1;text-align:center;padding:10px;font-size:13px;font-weight:700;color:var(--text-muted);border-radius:6px;cursor:pointer;transition:all .2s;}
.login-tab.active{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(0,0,0,.08);}
.login-form-group{margin-bottom:18px;}
.login-label{display:block;font-size:12px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.07em;margin-bottom:6px;}
.login-input{width:100%;padding:13px 16px;border:1.5px solid var(--gray-border);border-radius:8px;font-family:inherit;font-size:15px;color:var(--text-dark);outline:none;transition:border-color .2s;box-sizing:border-box;}
.login-input:focus{border-color:var(--blue);}
.login-options{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px;}
.login-check{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-muted);cursor:pointer;}
.login-forgot{font-size:13px;color:var(--blue);font-weight:600;text-decoration:none;}
.login-btn{width:100%;background:var(--navy);color:#fff;padding:15px;border:none;border-radius:8px;font-family:inherit;font-size:15px;font-weight:700;cursor:pointer;transition:background .2s;}
.login-btn:hover{background:var(--blue);}
.login-divider{text-align:center;font-size:12px;color:var(--text-muted);margin:20px 0;position:relative;}
.login-divider::before{content:'';position:absolute;left:0;right:0;top:50%;height:1px;background:var(--gray-border);}
.login-divider span{background:#fff;padding:0 12px;position:relative;}
.login-ussd{background:var(--gray-bg);border-radius:10px;padding:14px;text-align:center;font-size:13px;color:var(--text-muted);}
.login-ussd strong{color:var(--navy);}
.login-register{text-align:center;margin-top:20px;font-size:13px;color:var(--text-muted);}
.login-register a{color:var(--blue);font-weight:700;}

/* RESPONSIVE */
@media(max-width:1024px){.details-inner{grid-template-columns:1fr;}.apply-panel{position:static;}.prod-hero-visual{display:none;}.prod-hero-inner{flex-direction:column;}.lcat-grid{grid-template-columns:1fr 1fr;}.why-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:768px){.prod-hero,.cat-hero,.about-hero,.contact-hero,.digital-hero{margin-top:100px;padding:48px 0;}.who-inner,.about-mission-inner{grid-template-columns:1fr;}.requirements-grid,.form-row{grid-template-columns:1fr;}.highlights-grid{grid-template-columns:1fr;}.highlight-item{border-right:none;border-bottom:1px solid var(--gray-border);}.related-grid,.lcat-grid,.why-grid,.leadership-grid{grid-template-columns:1fr;}.stats-band-grid{grid-template-columns:1fr 1fr;}.stat-band-item{border-right:none;border-bottom:1px solid rgba(255,255,255,.1);}.cta-banner-inner{flex-direction:column;}.contact-grid{grid-template-columns:1fr;}.digital-hero-inner,.ussd-inner{grid-template-columns:1fr;}.digital-hero-visual{display:none;}.features-big-grid{grid-template-columns:1fr 1fr;}.login-split{grid-template-columns:1fr;}.login-brand{display:none;}.values-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:480px){.features-big-grid,.values-grid{grid-template-columns:1fr;}.stats-band-grid{grid-template-columns:1fr 1fr;}}

/* ── WHATSAPP FLOATING BUTTON ───────────────── */
.wa-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: 10px;
  background: #25D366;
  color: #fff;
  border-radius: 999px;
  padding: 10px 20px 10px 10px;
  box-shadow: 0 4px 20px rgba(37,211,102,.45);
  text-decoration: none;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 14px;
  font-weight: 700;
  transition: transform .2s, box-shadow .2s;
  animation: wa-pop 0.4s cubic-bezier(.34,1.56,.64,1) 1s both;
}
.wa-float:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 8px 28px rgba(37,211,102,.55);
}
.wa-float svg { width: 38px; height: 38px; flex-shrink: 0; }
.wa-float-label { white-space: nowrap; }
@keyframes wa-pop {
  from { opacity: 0; transform: scale(0.6) translateY(20px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}
@media (max-width: 480px) {
  .wa-float { padding: 10px; bottom: 20px; right: 20px; }
  .wa-float-label { display: none; }
}