/* ═══════════════════════════════════════════════════════
   ioufinancials.com — Design System
   Theme: Green (dark→mid→light→white→neon)
   Layout: 2 Columns
   Visual: Depth of Field Photography
   ═══════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Sora:wght@400;600;700;800&display=swap');

/* ── Reset ─────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --g1:#0a1f0a;   /* darkest green */
  --g2:#14380e;
  --g3:#1d5c17;
  --g4:#2d8a22;
  --g5:#3db831;   /* mid green */
  --g6:#5cd44e;   /* bright green */
  --g7:#8ef080;   /* light green */
  --neon:#a8ff96; /* neon green */
  --white:#ffffff;
  --off:#f4faf3;
  --gray1:#e8f5e6;
  --gray2:#b8d6b5;
  --gray3:#6b9968;
  --dark:#050f05;
  --card-bg:rgba(255,255,255,0.04);
  --border:rgba(61,184,49,0.18);
  --border-strong:rgba(61,184,49,0.4);
  --shadow:0 4px 32px rgba(10,31,10,0.35);
  --glow:0 0 40px rgba(93,212,78,0.25);
  --fn:'Sora',sans-serif;
  --fb:'Inter',sans-serif;
  --nav-h:68px;
  --maxw:1200px;
  --radius:14px;
  --radius-lg:22px;
}

html{scroll-behavior:smooth;font-size:16px}
body{
  font-family:var(--fb);
  background:var(--g1);
  color:var(--white);
  overflow-x:hidden;
  line-height:1.65;
}
::-webkit-scrollbar{width:6px}
::-webkit-scrollbar-track{background:var(--g1)}
::-webkit-scrollbar-thumb{background:var(--g5);border-radius:3px}

/* ── Typography ─────────────────────────────────────── */
h1,h2,h3,h4,h5{font-family:var(--fn);line-height:1.15;font-weight:700}
h1{font-size:clamp(2rem,5vw,3.8rem)}
h2{font-size:clamp(1.5rem,3.5vw,2.6rem)}
h3{font-size:clamp(1.1rem,2.5vw,1.5rem)}
p{color:rgba(255,255,255,0.78);line-height:1.75}
a{color:var(--g6);text-decoration:none;transition:color .2s}
a:hover{color:var(--neon)}
img{display:block;max-width:100%}

/* ── Visual: Grain overlay ──────────────────────────── */
body::before{
  content:'';
  position:fixed;inset:0;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 512 512' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
  pointer-events:none;z-index:0;opacity:.6;mix-blend-mode:overlay;
}

/* ── Animated grid bg ───────────────────────────────── */
body::after{
  content:'';
  position:fixed;inset:0;
  background-image:
    linear-gradient(rgba(61,184,49,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(61,184,49,.04) 1px, transparent 1px);
  background-size:60px 60px;
  pointer-events:none;z-index:0;
  animation:gridDrift 20s linear infinite;
}
@keyframes gridDrift{0%{background-position:0 0}100%{background-position:60px 60px}}

/* ── NAVBAR ──────────────────────────────────────────── */
#nav{
  position:fixed;top:0;left:0;right:0;height:var(--nav-h);
  background:rgba(5,15,5,.88);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border);
  z-index:1000;
}
.nav-inner{
  max-width:var(--maxw);margin:0 auto;height:100%;
  padding:0 1.5rem;
  display:flex;align-items:center;gap:.5rem;
}
.nav-logo{
  display:flex;align-items:center;gap:.6rem;
  font-family:var(--fn);font-size:1.1rem;font-weight:800;
  color:var(--white);text-decoration:none;flex-shrink:0;
  margin-right:.75rem;
}
.nav-logo img{width:28px;height:28px}
.nav-logo .dot{color:var(--g6)}

.nav-links{
  display:flex;align-items:center;
  list-style:none;padding:0;gap:0;
}
.nav-links>li{position:relative}
.nav-links>li>a,
.nav-links>li>button{
  display:inline-flex;align-items:center;gap:.3rem;
  padding:0 .9rem;height:var(--nav-h);
  font-family:var(--fb);font-size:.82rem;font-weight:500;
  color:rgba(255,255,255,.65);
  background:none;border:none;cursor:pointer;
  white-space:nowrap;transition:color .2s;
  letter-spacing:.01em;
}
.nav-links>li>a:hover,
.nav-links>li>button:hover{color:var(--g6)}
.nav-links>li>a.active{color:var(--g6)}

/* Dropdown */
.drop{
  display:none;position:absolute;
  top:calc(var(--nav-h));left:0;
  background:rgba(10,25,10,.97);
  border:1px solid var(--border);
  border-radius:0 0 var(--radius) var(--radius);
  min-width:200px;padding:.4rem 0;
  box-shadow:var(--shadow);z-index:10;
}
.nav-links>li:hover .drop{display:block}
.drop a{
  display:block;padding:.55rem 1.2rem;
  font-size:.82rem;color:rgba(255,255,255,.65);
  transition:background .15s,color .15s;
}
.drop a:hover{background:rgba(61,184,49,.1);color:var(--g6)}
.arr{font-size:.6rem;transition:transform .2s}
.nav-links>li:hover .arr{transform:rotate(180deg)}

/* Gap + Apply btn */
.nav-gap{flex:1}
.nav-email{
  font-size:.78rem;color:rgba(255,255,255,.45)!important;
  padding:0 .75rem;height:var(--nav-h);
  display:inline-flex;align-items:center;
}
.nav-apply{
  display:inline-flex;align-items:center;gap:.4rem;
  padding:.5rem 1.3rem;
  background:linear-gradient(135deg,var(--g5),var(--g6));
  color:var(--dark)!important;
  font-weight:700;font-size:.82rem;
  border-radius:8px;
  box-shadow:0 2px 16px rgba(61,184,49,.3);
  transition:transform .2s,box-shadow .2s;
  white-space:nowrap;
}
.nav-apply:hover{
  transform:translateY(-2px);
  box-shadow:0 6px 32px rgba(61,184,49,.5);
  color:var(--dark)!important;
}

/* Hamburger */
.ham{
  display:none;flex-direction:column;gap:5px;
  background:none;border:none;cursor:pointer;
  padding:.5rem;margin-left:auto;
}
.ham span{display:block;width:24px;height:2px;background:var(--white);border-radius:1px;transition:transform .3s,opacity .3s}
.ham.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.ham.open span:nth-child(2){opacity:0}
.ham.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mob-nav{
  display:none;
  position:fixed;top:var(--nav-h);left:0;right:0;
  background:rgba(8,20,8,.97);
  border-bottom:1px solid var(--border);
  padding:1rem;z-index:900;
  max-height:calc(100vh - var(--nav-h));overflow-y:auto;
}
.mob-nav.open{display:block}
.mob-nav a,.mob-nav button{
  display:block;width:100%;padding:.75rem 1rem;
  font-size:.9rem;color:rgba(255,255,255,.75);
  background:none;border:none;text-align:left;cursor:pointer;
  border-bottom:1px solid rgba(255,255,255,.05);
}
.mob-nav a:hover{color:var(--g6)}
.mob-sub{padding-left:1.5rem!important;font-size:.85rem!important}
.mob-apply{
  margin-top:.75rem!important;border-radius:10px!important;
  background:linear-gradient(135deg,var(--g5),var(--g6))!important;
  color:var(--dark)!important;text-align:center!important;
  font-weight:700!important;
}

/* ── PAGE WRAP ───────────────────────────────────────── */
.page{padding-top:var(--nav-h);position:relative;z-index:1}

/* ── BREADCRUMB ──────────────────────────────────────── */
.breadcrumb{
  max-width:var(--maxw);margin:0 auto;
  padding:.85rem 1.5rem .25rem;
  display:flex;align-items:center;gap:.4rem;
  flex-wrap:wrap;font-size:.75rem;
  color:rgba(255,255,255,.45);
}
.breadcrumb a{color:rgba(255,255,255,.45)}
.breadcrumb a:hover{color:var(--g6)}
.breadcrumb-sep{color:var(--g5);font-size:.6rem}
.breadcrumb-cur{color:var(--g6)}

/* ── 2-COLUMN LAYOUT ─────────────────────────────────── */
.two-col{
  max-width:var(--maxw);margin:0 auto;
  padding:3rem 1.5rem 5rem;
  display:grid;
  grid-template-columns:1fr 320px;
  gap:3rem;
  align-items:start;
}
.main-col{min-width:0}
.side-col{min-width:0}

/* ── HERO ────────────────────────────────────────────── */
.hero{
  position:relative;
  min-height:92vh;
  display:flex;align-items:center;
  overflow:hidden;
  margin-top:0;
}
.hero-bg{
  position:absolute;inset:0;z-index:0;
}
.hero-bg img{
  width:100%;height:100%;
  object-fit:cover;object-position:center top;
}
/* Multi-layer gradient overlay */
.hero-bg::after{
  content:'';
  position:absolute;inset:0;
  background:
    linear-gradient(to right, rgba(5,15,5,.95) 45%, rgba(5,15,5,.3) 75%, rgba(5,15,5,.7) 100%),
    linear-gradient(to top, rgba(5,15,5,.9) 0%, transparent 40%);
}
/* Animated bokeh circles */
.hero-bokeh{
  position:absolute;inset:0;z-index:1;
  pointer-events:none;overflow:hidden;
}
.bokeh-dot{
  position:absolute;border-radius:50%;
  background:radial-gradient(circle, var(--g6) 0%, transparent 70%);
  animation:bokehFloat 8s ease-in-out infinite;
  opacity:0;
}
@keyframes bokehFloat{
  0%{opacity:0;transform:translateY(0) scale(1)}
  25%{opacity:.25}
  75%{opacity:.15}
  100%{opacity:0;transform:translateY(-60px) scale(1.3)}
}

.hero-content{
  position:relative;z-index:2;
  max-width:var(--maxw);margin:0 auto;width:100%;
  padding:0 1.5rem;
  display:grid;
  grid-template-columns:1fr 440px;
  gap:4rem;
  align-items:center;
}
.hero-text{}
.hero-label{
  display:inline-flex;align-items:center;gap:.5rem;
  font-size:.72rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--g6);margin-bottom:1.2rem;
}
.hero-label::before{
  content:'';display:block;width:22px;height:2px;
  background:linear-gradient(90deg,var(--g5),var(--g6));border-radius:2px;
}
.hero h1{
  margin-bottom:1.2rem;
  background:linear-gradient(135deg,#fff 0%,var(--g7) 60%,var(--neon) 100%);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
  background-clip:text;
}
.hero-sub{
  font-size:1.05rem;color:rgba(255,255,255,.72);
  max-width:500px;margin-bottom:2rem;line-height:1.75;
}
.hero-actions{display:flex;gap:.9rem;flex-wrap:wrap;margin-bottom:2.5rem}

/* Stats strip in hero */
.hero-stats{
  display:flex;gap:0;
  background:rgba(255,255,255,.04);
  border:1px solid var(--border);
  border-radius:var(--radius);
  overflow:hidden;
  width:fit-content;
}
.hstat{
  padding:.9rem 1.4rem;
  border-right:1px solid var(--border);
}
.hstat:last-child{border-right:none}
.hstat-n{
  font-family:var(--fn);font-size:1.5rem;font-weight:800;
  color:var(--g6);display:block;line-height:1;
}
.hstat-l{
  font-size:.65rem;text-transform:uppercase;
  letter-spacing:.08em;color:rgba(255,255,255,.45);
  margin-top:.2rem;
}

/* Hero card (right side) */
.hero-card{
  background:rgba(10,31,10,.75);
  backdrop-filter:blur(24px);
  -webkit-backdrop-filter:blur(24px);
  border:1px solid var(--border-strong);
  border-radius:var(--radius-lg);
  padding:2rem;
  position:relative;overflow:hidden;
}
.hero-card::before{
  content:'';
  position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--g5),var(--g6),var(--neon));
}
/* Glow pulse on card */
.hero-card::after{
  content:'';
  position:absolute;inset:-1px;
  border-radius:var(--radius-lg);
  background:linear-gradient(135deg,rgba(61,184,49,.15),transparent 60%);
  pointer-events:none;
  animation:cardGlow 4s ease-in-out infinite alternate;
}
@keyframes cardGlow{
  from{opacity:.5}
  to{opacity:1}
}
.hero-card h3{
  font-size:.9rem;text-transform:uppercase;
  letter-spacing:.1em;color:var(--g6);
  margin-bottom:1.4rem;
}
/* Loan amount cards */
.amt-cards{display:flex;flex-direction:column;gap:.6rem;margin-bottom:1.4rem}
.amt-card{
  display:flex;justify-content:space-between;align-items:center;
  padding:.8rem 1rem;
  border:1px solid var(--border);
  border-radius:10px;
  background:rgba(255,255,255,.03);
  cursor:pointer;
  transition:all .2s;
}
.amt-card:hover,.amt-card.active{
  border-color:var(--g5);
  background:rgba(61,184,49,.1);
  transform:translateX(4px);
}
.amt-card-n{font-family:var(--fn);font-size:1rem;color:var(--g6);font-weight:700}
.amt-card-l{font-size:.72rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.06em}

/* ── BUTTONS ─────────────────────────────────────────── */
.btn{
  display:inline-flex;align-items:center;gap:.45rem;
  padding:.75rem 1.8rem;
  font-family:var(--fb);font-size:.9rem;font-weight:600;
  border:none;border-radius:10px;cursor:pointer;
  transition:all .2s;text-decoration:none;
  letter-spacing:.01em;
}
.btn-primary{
  background:linear-gradient(135deg,var(--g4),var(--g5),var(--g6));
  color:var(--dark);
  box-shadow:0 4px 20px rgba(61,184,49,.35);
  position:relative;overflow:hidden;
}
.btn-primary::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(135deg,transparent,rgba(255,255,255,.15),transparent);
  transform:translateX(-100%);transition:transform .4s;
}
.btn-primary:hover::after{transform:translateX(100%)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(61,184,49,.5);color:var(--dark)}
.btn-outline{
  background:transparent;color:var(--white);
  border:1px solid rgba(255,255,255,.25);
}
.btn-outline:hover{border-color:var(--g6);color:var(--g6)}
.btn-full{width:100%;justify-content:center}
.btn-sm{padding:.5rem 1.2rem;font-size:.82rem}
.btn-lg{padding:.9rem 2.4rem;font-size:1rem}

/* ── SECTION LABEL ───────────────────────────────────── */
.section-label{
  display:inline-flex;align-items:center;gap:.5rem;
  font-size:.7rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;
  color:var(--g6);margin-bottom:.65rem;
}
.section-label::before{
  content:'';display:block;width:20px;height:2px;
  background:linear-gradient(90deg,var(--g5),var(--g6));
}

/* ── TICKER ──────────────────────────────────────────── */
.ticker{
  background:rgba(20,56,14,.8);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  overflow:hidden;padding:.55rem 0;
}
.tick-inner{
  display:flex;gap:2.5rem;
  animation:tick 93s linear infinite;
  width:max-content;
}
.tick-item{
  font-size:.75rem;color:rgba(255,255,255,.5);
  white-space:nowrap;display:flex;align-items:center;gap:.4rem;
}
.tick-item strong{color:var(--g6)}
@keyframes tick{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ── CARDS ───────────────────────────────────────────── */
.card{
  background:rgba(20,56,14,.4);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  overflow:hidden;
  transition:transform .25s,border-color .25s,box-shadow .25s;
  position:relative;
}
.card::before{
  content:'';
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(61,184,49,.06),transparent 50%);
  opacity:0;transition:opacity .3s;pointer-events:none;
}
.card:hover{
  transform:translateY(-6px);
  border-color:var(--border-strong);
  box-shadow:var(--glow);
}
.card:hover::before{opacity:1}
.card-body{padding:1.5rem}

/* Loan type cards on homepage */
.loan-card{
  display:block;text-decoration:none;
  background:rgba(20,56,14,.4);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  overflow:hidden;
  transition:all .25s;
}
.loan-card:hover{
  transform:translateY(-5px);
  border-color:var(--g5);
  box-shadow:var(--glow);
}
.loan-card-img{
  height:220px;overflow:hidden;position:relative;
}
.loan-card-img img{
  width:100%;height:100%;
  object-fit:cover;object-position:center top;
  transition:transform .5s;
}
.loan-card:hover .loan-card-img img{transform:scale(1.07)}
/* Shimmer overlay on hover */
.loan-card-img::after{
  content:'';
  position:absolute;inset:0;
  background:linear-gradient(
    135deg,
    transparent 0%,
    rgba(255,255,255,.06) 50%,
    transparent 100%
  );
  transform:translateX(-100%);
  transition:transform .6s;
}
.loan-card:hover .loan-card-img::after{transform:translateX(100%)}
.loan-card-body{padding:1.1rem 1.2rem}
.loan-card-title{
  font-family:var(--fn);font-size:.95rem;
  color:var(--white);margin-bottom:.3rem;
}
.loan-card-sub{font-size:.78rem;color:rgba(255,255,255,.5)}
.loan-card-link{
  font-size:.75rem;color:var(--g6);
  margin-top:.5rem;display:flex;align-items:center;gap:.3rem;
}

/* ── BLOG CARDS ──────────────────────────────────────── */
.blog-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1.5rem;
}
.blog-card{
  background:rgba(20,56,14,.35);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  overflow:hidden;
  transition:all .25s;
}
.blog-card:hover{
  transform:translateY(-5px);
  border-color:var(--g5);
  box-shadow:var(--glow);
}
.blog-card-img{
  height:200px;overflow:hidden;
}
.blog-card-img img{
  width:100%;height:100%;
  object-fit:cover;object-position:center;
  transition:transform .45s;
}
.blog-card:hover .blog-card-img img{transform:scale(1.06)}
.blog-card-body{padding:1.2rem}
.blog-cat{
  font-size:.68rem;font-weight:700;
  letter-spacing:.12em;text-transform:uppercase;
  color:var(--g6);margin-bottom:.45rem;
}
.blog-title{
  font-family:var(--fn);font-size:.9rem;
  line-height:1.35;margin-bottom:.7rem;
}
.blog-title a{color:var(--white)}
.blog-title a:hover{color:var(--g6)}
.blog-meta{
  font-size:.72rem;color:rgba(255,255,255,.4);
  display:flex;gap:.75rem;align-items:center;
}

/* ── SIDEBAR ─────────────────────────────────────────── */
.sw{
  background:rgba(20,56,14,.4);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:1.5rem;
  margin-bottom:1.4rem;
  position:relative;overflow:hidden;
}
.sw::before{
  content:'';
  position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,var(--g5),var(--g6),var(--neon));
}
.sw h3{
  font-family:var(--fn);font-size:.82rem;
  text-transform:uppercase;letter-spacing:.12em;
  color:var(--g6);margin-bottom:1rem;
}
.sw-img{
  border-radius:var(--radius);overflow:hidden;
  margin-bottom:1rem;
  position:relative;
}
.sw-img img{
  width:100%;height:160px;
  object-fit:cover;transition:transform .4s;
}
.sw:hover .sw-img img{transform:scale(1.04)}
.sw-check{display:flex;flex-direction:column;gap:.65rem}
.sw-ci{display:flex;align-items:center;gap:.65rem;font-size:.82rem}
.sw-ico{
  width:28px;height:28px;border-radius:7px;
  background:rgba(61,184,49,.15);
  display:flex;align-items:center;justify-content:center;
  color:var(--g6);font-size:.82rem;flex-shrink:0;
}

/* ── CONTENT BLOCKS ──────────────────────────────────── */
.cblock{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:2.5rem;
  align-items:center;
  margin:3rem 0;
}
.cblock.flip{direction:rtl}
.cblock.flip>*{direction:ltr}
.cb-img{
  border-radius:var(--radius-lg);
  overflow:hidden;
  position:relative;
}
.cb-img img{
  width:100%;height:340px;
  object-fit:cover;object-position:center top;
  transition:transform .5s;
  display:block;
}
.cb-img:hover img{transform:scale(1.04)}
/* Green tint on hover */
.cb-img::after{
  content:'';
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(61,184,49,.12),transparent);
  opacity:0;transition:opacity .3s;
}
.cb-img:hover::after{opacity:1}
.cb-text h2{margin-bottom:1rem}
.cb-text p{margin-bottom:.9rem;font-size:.95rem}

/* ── REVIEW CARDS ────────────────────────────────────── */
.rev-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:1.2rem}
.rev-card{
  background:rgba(20,56,14,.35);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:1.3rem;
  border-left:3px solid var(--g5);
  position:relative;overflow:hidden;
  transition:all .2s;
}
.rev-card::before{
  content:'"';
  position:absolute;top:-10px;right:10px;
  font-size:5rem;color:rgba(61,184,49,.07);
  font-family:serif;line-height:1;pointer-events:none;
}
.rev-card:hover{border-left-color:var(--g6);box-shadow:var(--glow)}
.rev-stars{color:#f5c518;font-size:.9rem;margin-bottom:.55rem;letter-spacing:.05em}
.rev-text{font-size:.84rem;color:rgba(255,255,255,.72);font-style:italic;margin-bottom:.85rem;line-height:1.65}
.rev-name{font-size:.78rem;font-weight:700;color:var(--g6)}
.rev-loc{font-size:.68rem;color:rgba(255,255,255,.4)}

/* ── COMPARE TABLE ───────────────────────────────────── */
.table-wrap{overflow-x:auto;border-radius:var(--radius-lg);border:1px solid var(--border)}
table{width:100%;border-collapse:collapse;font-size:.84rem}
thead th{
  background:rgba(20,56,14,.6);
  padding:.85rem 1rem;text-align:left;
  font-family:var(--fn);font-size:.7rem;
  letter-spacing:.1em;text-transform:uppercase;
  color:var(--g6);border-bottom:2px solid var(--border);
  white-space:nowrap;
}
tbody td{
  padding:.8rem 1rem;
  border-bottom:1px solid rgba(255,255,255,.05);
  color:rgba(255,255,255,.78);vertical-align:top;
}
tbody tr:hover td{background:rgba(61,184,49,.04)}
.ln{font-weight:700;color:var(--white)}
.ld{font-size:.73rem;color:rgba(255,255,255,.4);margin-top:.25rem;line-height:1.5}
.badge-g{
  display:inline-block;padding:.15rem .5rem;
  background:rgba(61,184,49,.15);color:var(--g6);
  border-radius:5px;font-size:.7rem;font-weight:700;
}

/* ── FAQ ─────────────────────────────────────────────── */
.faq-item{border-bottom:1px solid rgba(255,255,255,.07)}
.faq-q{
  width:100%;display:flex;justify-content:space-between;
  align-items:center;padding:1.15rem 0;
  background:none;border:none;cursor:pointer;
  font-family:var(--fn);font-size:.9rem;color:var(--white);
  transition:color .2s;text-align:left;
}
.faq-q:hover{color:var(--g6)}
.faq-icon{color:var(--g5);font-size:1.2rem;transition:transform .3s;flex-shrink:0;margin-left:.5rem}
.faq-q.open .faq-icon{transform:rotate(45deg)}
.faq-a{
  max-height:0;overflow:hidden;
  font-size:.88rem;color:rgba(255,255,255,.68);
  transition:max-height .4s ease,padding .3s;
}
.faq-a.open{max-height:500px;padding-bottom:1.1rem}

/* ── CALCULATOR ──────────────────────────────────────── */
.calc-box{
  background:rgba(20,56,14,.4);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:2.5rem;
  position:relative;overflow:hidden;
}
.calc-box::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--g4),var(--g5),var(--g6),var(--neon));
}
.calc-row{margin-bottom:1.6rem}
.calc-label{
  display:flex;justify-content:space-between;
  align-items:baseline;font-size:.84rem;margin-bottom:.6rem;
}
.calc-val{font-family:var(--fn);color:var(--g6);font-size:1.1rem;font-weight:700}
input[type=range]{
  width:100%;height:5px;
  background:rgba(255,255,255,.1);border-radius:3px;
  appearance:none;-webkit-appearance:none;
  cursor:pointer;
}
input[type=range]::-webkit-slider-thumb{
  appearance:none;-webkit-appearance:none;
  width:18px;height:18px;border-radius:50%;
  background:var(--g6);border:3px solid var(--g1);
  box-shadow:0 0 8px rgba(93,212,78,.5);
}
.calc-result{
  background:rgba(5,15,5,.5);
  border-radius:var(--radius);
  padding:1.5rem;margin-top:1.5rem;
  display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;
  text-align:center;
}
.cr-n{font-family:var(--fn);font-size:1.5rem;color:var(--g6);font-weight:700}
.cr-l{font-size:.68rem;text-transform:uppercase;letter-spacing:.07em;color:rgba(255,255,255,.45);margin-top:.25rem}

/* ── FORM SECTION ────────────────────────────────────── */
.form-section{
  background:linear-gradient(135deg,rgba(20,56,14,.5) 0%,rgba(45,138,34,.08) 100%);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:2.5rem;
  margin:2.5rem auto;
  max-width:600px;
  position:relative;overflow:hidden;
}
.form-section::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--g4),var(--g5),var(--g6),var(--neon));
}
/* Animated shimmer line */
.form-section::after{
  content:'';
  position:absolute;top:0;left:-100%;width:60%;height:3px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.4),transparent);
  animation:shimmer 3s ease infinite;
}
@keyframes shimmer{
  0%{left:-60%}
  100%{left:140%}
}
.form-hd{text-align:center;margin-bottom:2rem}
.form-hd h2{margin-bottom:.5rem}
.form-hd p{color:rgba(255,255,255,.55);font-size:.9rem}

/* ── CTA SECTION ─────────────────────────────────────── */
.cta-section{
  position:relative;overflow:hidden;
  background:linear-gradient(135deg,rgba(20,56,14,.6),rgba(45,138,34,.15));
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:5rem 1.5rem;
  text-align:center;
  margin:4rem 0 0;
}
/* Animated bg pattern */
.cta-section::before{
  content:'';
  position:absolute;inset:0;
  background:radial-gradient(ellipse at center,rgba(61,184,49,.12) 0%,transparent 70%);
  animation:ctaPulse 4s ease-in-out infinite alternate;
}
@keyframes ctaPulse{
  from{transform:scale(1);opacity:.5}
  to{transform:scale(1.2);opacity:1}
}
.cta-section>*{position:relative;z-index:1}
.cta-section h2{margin-bottom:1rem}
.cta-section p{max-width:560px;margin:0 auto 2rem;color:rgba(255,255,255,.65)}
.cta-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}

/* ── TESTIMONIAL STRIP ───────────────────────────────── */
.tstrip{
  background:rgba(14,38,12,.6);
  padding:4rem 1.5rem;
  position:relative;overflow:hidden;
}
.tstrip::before{
  content:'"';
  position:absolute;top:-2rem;left:1.5rem;
  font-size:20rem;color:rgba(61,184,49,.03);
  font-family:serif;line-height:1;
}
.t-grid{
  max-width:var(--maxw);margin:0 auto;
  display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;
}
.tcard{
  background:rgba(20,56,14,.4);
  border-radius:var(--radius-lg);
  padding:1.5rem;
  border-left:3px solid var(--g5);
  transition:all .2s;
}
.tcard:hover{border-left-color:var(--g6);box-shadow:var(--glow)}
.tcard-stars{color:#f5c518;font-size:.88rem;margin-bottom:.6rem}
.tcard-text{font-size:.85rem;color:rgba(255,255,255,.72);font-style:italic;margin-bottom:1rem;line-height:1.7}
.tcard-name{font-size:.78rem;font-weight:700;color:var(--g6)}
.tcard-loan{font-size:.7rem;color:rgba(255,255,255,.4)}

/* ── TRUST STRIP ─────────────────────────────────────── */
.trust-strip{
  display:flex;flex-wrap:wrap;gap:.65rem;
  justify-content:center;padding:2rem 1.5rem;
  background:rgba(10,25,10,.5);
}
.tbadge{
  padding:.4rem .9rem;
  background:rgba(61,184,49,.08);
  border:1px solid var(--border);
  border-radius:6px;font-size:.72rem;
  color:rgba(255,255,255,.45);
  letter-spacing:.05em;text-transform:uppercase;
}

/* ── FOOTER ──────────────────────────────────────────── */
footer{
  background:rgba(5,10,5,.95);
  border-top:1px solid var(--border);
  padding:4rem 1.5rem 2rem;
  position:relative;z-index:1;
}
.fg{
  max-width:var(--maxw);margin:0 auto;
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;
  gap:3rem;margin-bottom:3rem;
}
.fb-brand h3{font-size:1.05rem;margin-bottom:.65rem}
.fb-brand p{font-size:.8rem;color:rgba(255,255,255,.4);line-height:1.7}
.fc-col h4{
  font-size:.72rem;text-transform:uppercase;
  letter-spacing:.12em;color:var(--g6);margin-bottom:.9rem;
}
.fc-col ul{list-style:none;padding:0}
.fc-col ul li{margin-bottom:.45rem}
.fc-col ul li a{font-size:.8rem;color:rgba(255,255,255,.42)}
.fc-col ul li a:hover{color:var(--g6)}
.f-contact a{display:block;font-size:.8rem;color:rgba(255,255,255,.42);margin-bottom:.35rem}
.f-contact a:hover{color:var(--g6)}
.fbot{
  max-width:var(--maxw);margin:0 auto;
  padding-top:2rem;border-top:1px solid rgba(255,255,255,.05);
  font-size:.73rem;color:rgba(255,255,255,.28);
}
.fbot p{margin-bottom:.5rem;line-height:1.7}
.fdiscl{
  background:rgba(0,0,0,.25);border-radius:8px;
  padding:.9rem 1.1rem;margin-bottom:1rem;
  font-size:.69rem;line-height:1.8;
}

/* ── SCROLL TO TOP ───────────────────────────────────── */
#stb{
  position:fixed;bottom:1.5rem;right:1.5rem;
  width:44px;height:44px;
  background:linear-gradient(135deg,var(--g5),var(--g6));
  color:var(--dark);border:none;border-radius:50%;
  cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  font-size:1.1rem;opacity:0;transform:translateY(16px);
  transition:opacity .3s,transform .3s;
  z-index:500;
  box-shadow:0 4px 20px rgba(61,184,49,.4);
}
#stb.on{opacity:1;transform:translateY(0)}
#stb:hover{box-shadow:0 8px 32px rgba(61,184,49,.6)}

/* ── UTILITIES ───────────────────────────────────────── */
.tg{color:var(--g6)}.tgl{color:var(--g7)}.tn{color:var(--neon)}
.tc{text-align:center}
.mt2{margin-top:1rem}.mt3{margin-top:1.5rem}.mt4{margin-top:2rem}
.mb2{margin-bottom:1rem}.mb3{margin-bottom:1.5rem}.mb4{margin-bottom:2rem}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.icon-list{list-style:none;padding:0}
.icon-list li{display:flex;align-items:flex-start;gap:.7rem;margin-bottom:.7rem;font-size:.88rem}
.icon-list li::before{content:'◆';color:var(--g5);flex-shrink:0;font-size:.6rem;margin-top:.35rem}
.nline{height:1px;border:none;margin:2rem 0;background:linear-gradient(90deg,transparent,var(--border),transparent)}

/* ── AOS (animate on scroll) ─────────────────────────── */
.aos{opacity:0;transform:translateY(28px);transition:opacity .65s ease,transform .65s ease}
.aos.in{opacity:1;transform:translateY(0)}
.aos-d1{transition-delay:.1s}.aos-d2{transition-delay:.2s}.aos-d3{transition-delay:.3s}.aos-d4{transition-delay:.4s}

/* ── LOAN HERO (inner pages) ─────────────────────────── */
.loan-hero{
  position:relative;overflow:hidden;
  min-height:88vh;
  display:grid;grid-template-columns:1fr 44%;
  margin-top:0;
}
.lh-text{
  display:flex;flex-direction:column;justify-content:center;
  padding:5rem 3rem 4rem 5%;
  position:relative;z-index:2;
}
.lh-img{
  position:relative;overflow:hidden;
  clip-path:polygon(8% 0,100% 0,100% 100%,0 100%);
  max-height:600px;
}
.lh-img img{
  width:100%;height:100%;
  object-fit:cover;object-position:top center;
}
.lh-img::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(90deg,var(--g1) 0%,transparent 25%),
             linear-gradient(0deg,var(--g1) 0%,transparent 20%);
}
/* Loan amount card strip */
.la-strip{
  display:flex;gap:1rem;
  max-width:var(--maxw);margin:0 auto;
  padding:0 1.5rem 2rem;
}
.la-strip .la-card{
  flex:1;background:rgba(20,56,14,.4);
  border:1px solid var(--border);border-radius:var(--radius);
  padding:1rem;text-align:center;cursor:pointer;
  transition:all .2s;
}
.la-strip .la-card:hover,.la-strip .la-card.on{
  border-color:var(--g5);background:rgba(61,184,49,.1);
}
.la-card-n{font-family:var(--fn);font-size:1.1rem;color:var(--g6);font-weight:700}
.la-card-l{font-size:.72rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.06em;margin-top:.2rem}

/* ── STATS BOX ───────────────────────────────────────── */
.stats-bar{
  display:flex;
  background:rgba(20,56,14,.4);
  border:1px solid var(--border);
  border-radius:var(--radius);
  overflow:hidden;margin:2rem 0;
}
.stats-bar .si{
  flex:1;padding:1.2rem 1rem;text-align:center;
  border-right:1px solid var(--border);
}
.stats-bar .si:last-child{border-right:none}
.si-n{font-family:var(--fn);font-size:1.6rem;font-weight:800;color:var(--g6);display:block}
.si-l{font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.45)}

/* ── PROCESS STEPS ───────────────────────────────────── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin:2rem 0}
.steps::before{
  content:'';position:absolute;top:26px;left:12%;right:12%;
  height:2px;background:linear-gradient(90deg,var(--g5),var(--g6));z-index:0;
}
.step{text-align:center;padding:0 .5rem;position:relative;z-index:1}
.step-n{
  width:52px;height:52px;border-radius:50%;
  margin:0 auto 1rem;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--fn);font-size:.95rem;font-weight:700;
  background:var(--g1);border:2px solid var(--g5);color:var(--g6);
  position:relative;z-index:1;
  transition:all .3s;
}
.step-n.lit{
  background:linear-gradient(135deg,var(--g4),var(--g6));
  color:var(--dark);
  box-shadow:0 0 20px rgba(61,184,49,.4);
}
.step h4{font-family:var(--fn);font-size:.82rem;margin-bottom:.35rem}
.step p{font-size:.75rem;color:rgba(255,255,255,.5);line-height:1.55}

/* ── VISUAL EFFECTS ──────────────────────────────────── */
/* Floating orbs */
.orb{
  position:absolute;border-radius:50%;pointer-events:none;
  filter:blur(80px);z-index:0;
}
.orb-1{width:400px;height:400px;background:rgba(29,92,23,.35);top:-100px;right:-100px;animation:orbFloat 12s ease-in-out infinite}
.orb-2{width:300px;height:300px;background:rgba(13,31,10,.5);bottom:-80px;left:-80px;animation:orbFloat 10s ease-in-out infinite reverse}
@keyframes orbFloat{
  0%,100%{transform:translate(0,0) scale(1)}
  33%{transform:translate(30px,-20px) scale(1.05)}
  66%{transform:translate(-20px,30px) scale(.95)}
}

/* Neon line decorators */
.neon-line{
  height:2px;border:none;margin:2.5rem 0;
  background:linear-gradient(90deg,transparent,var(--g5),var(--g6),transparent);
  box-shadow:0 0 10px rgba(93,212,78,.3);
}

/* Highlight chip */
.chip{
  display:inline-block;padding:.2rem .65rem;
  background:rgba(61,184,49,.12);
  border:1px solid var(--border);
  color:var(--g6);border-radius:100px;
  font-size:.72rem;font-weight:600;letter-spacing:.05em;
}

/* Number counter animation target */
.count-num{display:inline-block}

/* ── RESPONSIVE ──────────────────────────────────────── */
@media(max-width:1100px){
  .two-col{grid-template-columns:1fr;padding:2rem 1.2rem 3rem}
  .hero-content{grid-template-columns:1fr}
  .hero-card{display:none}
  .loan-hero{grid-template-columns:1fr;min-height:70vh}
  .lh-img{position:absolute;inset:0;clip-path:none;max-height:none;opacity:.22}
  .lh-text{padding:5rem 2rem 3rem;z-index:2}
  .fg{grid-template-columns:1fr 1fr}
  .t-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  .blog-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}.steps::before{display:none}
  .cblock{grid-template-columns:1fr}.cblock.flip{direction:ltr}
  .cb-img img{height:260px}
  .calc-result{grid-template-columns:1fr}
}
@media(max-width:768px){
  .nav-links,.nav-gap,.nav-email,.nav-apply{display:none}
  .ham{display:flex}
  .hero{min-height:80vh}
  .hero-stats{flex-direction:column;width:100%}
  .hstat{border-right:none;border-bottom:1px solid var(--border)}
  .hstat:last-child{border-bottom:none}
  .blog-grid{grid-template-columns:1fr}
  .t-grid{grid-template-columns:1fr}
  .fg{grid-template-columns:1fr;gap:2rem}
  .cta-btns{flex-direction:column;align-items:center}
  .la-strip{flex-direction:column}
}
@media(max-width:480px){
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%;justify-content:center}
  .g2,.g3{grid-template-columns:1fr}
}

/* ════════════════════════════════════════════════════════
   EXTENDED VISUAL EFFECTS — ioufinancials.com
   ════════════════════════════════════════════════════════ */

/* ── 1. GLASSMORPHISM CARDS ─────────────────────────── */
.glass{
  background:rgba(255,255,255,.04);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.09);
  border-radius:var(--radius-lg);
}
.glass-g{
  background:rgba(29,92,23,.18);
  backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);
  border:1px solid rgba(61,184,49,.22);
  border-radius:var(--radius-lg);
}

/* ── 2. NEON GLOW TEXT ──────────────────────────────── */
.neon-txt{
  color:var(--neon);
  text-shadow:0 0 8px rgba(168,255,150,.6),0 0 24px rgba(168,255,150,.3),0 0 60px rgba(168,255,150,.15);
}
.glow-txt{
  color:var(--g6);
  text-shadow:0 0 20px rgba(93,212,78,.5);
}

/* ── 3. GRADIENT BORDER CARDS ───────────────────────── */
.grad-border{
  position:relative;border-radius:var(--radius-lg);
  background:rgba(14,38,12,.5);
  padding:1px;
}
.grad-border::before{
  content:'';
  position:absolute;inset:0;border-radius:var(--radius-lg);
  background:linear-gradient(135deg,var(--g5),var(--g6),var(--neon),var(--g4));
  z-index:0;
}
.grad-border-inner{
  position:relative;z-index:1;
  background:rgba(8,20,8,.92);
  border-radius:calc(var(--radius-lg) - 1px);
  padding:1.8rem;
}

/* ── 4. ANIMATED GRADIENT BACKGROUNDS ───────────────── */
.animated-grad{
  background:linear-gradient(270deg,var(--g1),var(--g2),var(--g3),var(--g2),var(--g1));
  background-size:400% 400%;
  animation:gradShift 12s ease infinite;
}
@keyframes gradShift{
  0%{background-position:0% 50%}
  50%{background-position:100% 50%}
  100%{background-position:0% 50%}
}

/* ── 5. PARTICLE DOTS (CSS only) ────────────────────── */
.particle-field{
  position:absolute;inset:0;overflow:hidden;pointer-events:none;z-index:0;
}
.particle-field span{
  position:absolute;
  width:3px;height:3px;border-radius:50%;
  background:var(--g6);opacity:0;
  animation:particleFly linear infinite;
}
@keyframes particleFly{
  0%{opacity:0;transform:translateY(0) scale(0)}
  10%{opacity:.6}
  90%{opacity:.2}
  100%{opacity:0;transform:translateY(-120px) scale(1.5)}
}

/* ── 6. MORPHING BLOB ───────────────────────────────── */
.blob{
  position:absolute;border-radius:50%;
  background:radial-gradient(circle at 30% 30%,rgba(61,184,49,.18),rgba(29,92,23,.08));
  filter:blur(60px);
  animation:blobMorph 15s ease-in-out infinite alternate;
  pointer-events:none;z-index:0;
}
@keyframes blobMorph{
  0%  {border-radius:60% 40% 30% 70%/60% 30% 70% 40%;transform:scale(1) rotate(0deg)}
  33% {border-radius:30% 60% 70% 40%/50% 60% 30% 60%;transform:scale(1.08) rotate(5deg)}
  66% {border-radius:40% 60% 50% 50%/30% 50% 60% 40%;transform:scale(.95) rotate(-5deg)}
  100%{border-radius:60% 40% 30% 70%/60% 30% 70% 40%;transform:scale(1) rotate(0deg)}
}

/* ── 7. SHIMMER LOADING SKELETON ────────────────────── */
.shimmer{
  position:relative;overflow:hidden;
  background:rgba(255,255,255,.05);
  border-radius:6px;
}
.shimmer::after{
  content:'';
  position:absolute;inset:0;
  background:linear-gradient(90deg,transparent 0%,rgba(255,255,255,.07) 50%,transparent 100%);
  animation:shimmerSlide 1.8s infinite;
}
@keyframes shimmerSlide{
  0%{transform:translateX(-100%)}
  100%{transform:translateX(100%)}
}

/* ── 8. NEON LINE SEPARATOR ─────────────────────────── */
.neon-sep{
  position:relative;height:1px;margin:3rem 0;
  background:linear-gradient(90deg,transparent,var(--g5) 30%,var(--g6) 50%,var(--g5) 70%,transparent);
}
.neon-sep::after{
  content:'';
  position:absolute;inset:0;
  background:inherit;
  filter:blur(4px);opacity:.6;
}

/* ── 9. FLOATING LABEL BADGE ────────────────────────── */
.float-badge{
  display:inline-flex;align-items:center;gap:.4rem;
  padding:.3rem .8rem;
  background:rgba(61,184,49,.12);
  border:1px solid rgba(93,212,78,.35);
  border-radius:100px;
  font-size:.7rem;font-weight:700;
  letter-spacing:.08em;text-transform:uppercase;
  color:var(--g6);
  animation:badgePop .6s cubic-bezier(.34,1.56,.64,1) both;
}
.float-badge::before{
  content:'';display:block;
  width:6px;height:6px;border-radius:50%;
  background:var(--g6);
  box-shadow:0 0 6px var(--g6);
  animation:dotPulse 2s ease-in-out infinite;
}
@keyframes badgePop{
  from{opacity:0;transform:scale(.7) translateY(8px)}
  to{opacity:1;transform:scale(1) translateY(0)}
}
@keyframes dotPulse{
  0%,100%{box-shadow:0 0 4px var(--g6)}
  50%{box-shadow:0 0 12px var(--g6)}
}

/* ── 10. CARD TILT (transform-style) ────────────────── */
.tilt-card{transform-style:preserve-3d;perspective:1000px}
.tilt-card:hover{transform:rotateY(-4deg) rotateX(2deg)}

/* ── 11. SPOTLIGHT HOVER EFFECT ─────────────────────── */
.spotlight{
  position:relative;overflow:hidden;
}
.spotlight::before{
  content:'';
  position:absolute;
  width:200px;height:200px;
  border-radius:50%;
  background:radial-gradient(circle,rgba(93,212,78,.12) 0%,transparent 70%);
  transform:translate(-50%,-50%);
  pointer-events:none;
  opacity:0;transition:opacity .3s;
  top:var(--my,50%);left:var(--mx,50%);
}
.spotlight:hover::before{opacity:1}

/* ── 12. PROGRESS BAR ANIMATED ──────────────────────── */
.prog-wrap{margin-bottom:.9rem}
.prog-label{
  display:flex;justify-content:space-between;
  font-size:.78rem;color:rgba(255,255,255,.55);
  margin-bottom:.35rem;
}
.prog-bar{
  height:5px;background:rgba(255,255,255,.08);
  border-radius:3px;overflow:hidden;
}
.prog-fill{
  height:100%;border-radius:3px;
  background:linear-gradient(90deg,var(--g5),var(--g6),var(--neon));
  width:0;
  transition:width 1.2s cubic-bezier(.16,1,.3,1);
  box-shadow:0 0 8px rgba(93,212,78,.4);
}

/* ── 13. ICON BOX ───────────────────────────────────── */
.icon-box{
  width:52px;height:52px;border-radius:14px;
  background:rgba(61,184,49,.12);
  border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;margin-bottom:1rem;
  transition:all .25s;
}
.icon-box:hover,.card:hover .icon-box{
  background:rgba(61,184,49,.22);
  border-color:var(--g5);
  box-shadow:0 0 20px rgba(93,212,78,.25);
  transform:scale(1.08) rotate(-4deg);
}

/* ── 14. FLOATING NUMBERS (stats) ───────────────────── */
.float-stat{
  text-align:center;padding:1.5rem;
  position:relative;
}
.float-stat::before{
  content:attr(data-bg);
  position:absolute;inset:0;
  font-family:var(--fn);font-size:5rem;font-weight:900;
  color:rgba(61,184,49,.05);
  display:flex;align-items:center;justify-content:center;
  line-height:1;
}
.float-n{
  font-family:var(--fn);font-size:2.5rem;
  font-weight:800;color:var(--g6);
  display:block;line-height:1;
  animation:countUp .8s cubic-bezier(.16,1,.3,1) both;
}
.float-l{font-size:.73rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.45);margin-top:.35rem}
@keyframes countUp{
  from{opacity:0;transform:translateY(16px)}
  to{opacity:1;transform:translateY(0)}
}

/* ── 15. ACCORDION CARD ─────────────────────────────── */
.acc-card{
  background:rgba(20,56,14,.35);
  border:1px solid var(--border);
  border-radius:var(--radius);
  margin-bottom:.65rem;
  overflow:hidden;
  transition:border-color .2s;
}
.acc-card:hover,.acc-card.open{border-color:var(--g5)}
.acc-head{
  display:flex;align-items:center;justify-content:space-between;
  padding:1rem 1.2rem;cursor:pointer;
  font-family:var(--fn);font-size:.88rem;color:var(--white);
  transition:color .2s;
}
.acc-head:hover{color:var(--g6)}
.acc-icon{color:var(--g5);transition:transform .3s;font-size:.9rem}
.acc-card.open .acc-icon{transform:rotate(45deg)}
.acc-body{
  max-height:0;overflow:hidden;
  font-size:.84rem;color:rgba(255,255,255,.65);
  line-height:1.75;
  transition:max-height .4s ease,padding .3s;
}
.acc-body.open{max-height:400px;padding:.25rem 1.2rem 1.1rem}

/* ── 16. TOOLTIP ────────────────────────────────────── */
.tip{position:relative;cursor:help}
.tip::after{
  content:attr(data-tip);
  position:absolute;bottom:calc(100% + 8px);left:50%;
  transform:translateX(-50%);white-space:nowrap;
  background:rgba(5,15,5,.95);border:1px solid var(--border);
  color:rgba(255,255,255,.8);font-size:.72rem;
  padding:.35rem .75rem;border-radius:6px;
  pointer-events:none;opacity:0;
  transition:opacity .2s;z-index:100;
}
.tip:hover::after{opacity:1}

/* ── 17. HOVER REVEAL CARD ──────────────────────────── */
.reveal-card{
  position:relative;overflow:hidden;
  border-radius:var(--radius-lg);
}
.reveal-card-img img{
  width:100%;height:260px;
  object-fit:cover;transition:transform .5s;
}
.reveal-card:hover .reveal-card-img img{transform:scale(1.08)}
.reveal-card-overlay{
  position:absolute;inset:0;
  background:linear-gradient(to top,rgba(5,15,5,.95) 0%,rgba(5,15,5,.4) 50%,transparent 100%);
  display:flex;flex-direction:column;justify-content:flex-end;
  padding:1.4rem;
  transform:translateY(30%);opacity:0;
  transition:transform .4s ease,opacity .4s ease;
}
.reveal-card:hover .reveal-card-overlay{transform:translateY(0);opacity:1}

/* ── 18. COUNTER TICKER ─────────────────────────────── */
.ticker-num{
  font-family:var(--fn);font-size:3rem;
  font-weight:800;color:var(--g6);
  display:inline-block;
  text-shadow:0 0 30px rgba(93,212,78,.3);
}

/* ── 19. SECTION DIVIDER WAVE ───────────────────────── */
.wave-div{
  position:relative;height:60px;overflow:hidden;
}
.wave-div svg{
  position:absolute;bottom:0;left:0;width:100%;height:100%;
}

/* ── 20. CARD STACK (layered shadow) ────────────────── */
.card-stack{
  position:relative;
}
.card-stack::before,.card-stack::after{
  content:'';
  position:absolute;
  background:rgba(20,56,14,.25);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
}
.card-stack::before{
  inset:8px -8px -8px 8px;z-index:-1;
}
.card-stack::after{
  inset:16px -16px -16px 16px;z-index:-2;
  opacity:.5;
}

/* ── 21. ANIMATED UNDERLINE ─────────────────────────── */
.ul-anim{
  position:relative;display:inline-block;
}
.ul-anim::after{
  content:'';
  position:absolute;bottom:-2px;left:0;
  width:0;height:2px;
  background:linear-gradient(90deg,var(--g5),var(--g6));
  transition:width .35s ease;
}
.ul-anim:hover::after{width:100%}

/* ── 22. FROSTED PANEL ──────────────────────────────── */
.frost{
  background:rgba(255,255,255,.03);
  backdrop-filter:blur(30px) saturate(180%);
  -webkit-backdrop-filter:blur(30px) saturate(180%);
  border:1px solid rgba(255,255,255,.07);
  border-radius:var(--radius-lg);
}

/* ── 23. TYPING CURSOR EFFECT ───────────────────────── */
.typing::after{
  content:'|';
  animation:blink .8s step-start infinite;
  color:var(--g6);
}
@keyframes blink{
  0%,100%{opacity:1}
  50%{opacity:0}
}

/* ── 24. HIGHLIGHT MARK ─────────────────────────────── */
mark{
  background:linear-gradient(120deg,rgba(61,184,49,.0) 0%,rgba(61,184,49,.2) 50%,rgba(61,184,49,.0) 100%);
  color:var(--g7);
  padding:.05em .25em;border-radius:3px;
}

/* ── 25. SECTION ENTRANCE ANIMATION ────────────────── */
@keyframes fadeUp{
  from{opacity:0;transform:translateY(40px)}
  to{opacity:1;transform:translateY(0)}
}
@keyframes fadeLeft{
  from{opacity:0;transform:translateX(-40px)}
  to{opacity:1;transform:translateX(0)}
}
@keyframes fadeRight{
  from{opacity:0;transform:translateX(40px)}
  to{opacity:1;transform:translateX(0)}
}
@keyframes zoomIn{
  from{opacity:0;transform:scale(.9)}
  to{opacity:1;transform:scale(1)}
}
.anim-up{animation:fadeUp .7s cubic-bezier(.16,1,.3,1) both}
.anim-left{animation:fadeLeft .7s cubic-bezier(.16,1,.3,1) both}
.anim-right{animation:fadeRight .7s cubic-bezier(.16,1,.3,1) both}
.anim-zoom{animation:zoomIn .6s cubic-bezier(.34,1.56,.64,1) both}
.delay-1{animation-delay:.1s}.delay-2{animation-delay:.2s}
.delay-3{animation-delay:.3s}.delay-4{animation-delay:.4s}
.delay-5{animation-delay:.5s}

/* ── 26. HERO VIDEO OVERLAY (fallback) ──────────────── */
.hero-overlay-pattern{
  position:absolute;inset:0;
  background-image:
    repeating-linear-gradient(
      0deg,transparent,transparent 40px,
      rgba(61,184,49,.015) 40px,rgba(61,184,49,.015) 41px
    ),
    repeating-linear-gradient(
      90deg,transparent,transparent 40px,
      rgba(61,184,49,.015) 40px,rgba(61,184,49,.015) 41px
    );
  pointer-events:none;z-index:1;
}

/* ── 27. NAV UNDERLINE ACTIVE INDICATOR ─────────────── */
.nav-links>li>a.active::after,
.nav-links>li:hover>a::after,
.nav-links>li:hover>button::after{
  content:'';
  position:absolute;bottom:0;left:.9rem;right:.9rem;
  height:2px;
  background:linear-gradient(90deg,var(--g5),var(--g6));
  border-radius:2px 2px 0 0;
}
.nav-links>li>a,
.nav-links>li>button{position:relative}

/* ── 28. QUOTE BLOCK ────────────────────────────────── */
.quote-block{
  position:relative;padding:1.5rem 1.5rem 1.5rem 2.5rem;
  border-left:3px solid var(--g5);
  background:rgba(61,184,49,.04);
  border-radius:0 var(--radius) var(--radius) 0;
  margin:1.5rem 0;
  font-style:italic;
  color:rgba(255,255,255,.75);
  font-size:.9rem;
  line-height:1.75;
}
.quote-block::before{
  content:'"';
  position:absolute;left:.5rem;top:0;
  font-size:3.5rem;color:rgba(61,184,49,.3);
  font-family:serif;line-height:1;
}

/* ── 29. FEATURE GRID ICONS ─────────────────────────── */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.feat-item{
  padding:1.4rem;
  background:rgba(20,56,14,.35);
  border:1px solid var(--border);
  border-radius:var(--radius);
  text-align:center;
  transition:all .25s;
}
.feat-item:hover{
  border-color:var(--g5);
  background:rgba(61,184,49,.08);
  transform:translateY(-4px);
  box-shadow:0 8px 32px rgba(61,184,49,.15);
}
.feat-icon{font-size:2.2rem;margin-bottom:.75rem;display:block}
.feat-title{font-family:var(--fn);font-size:.85rem;color:var(--white);margin-bottom:.35rem}
.feat-desc{font-size:.77rem;color:rgba(255,255,255,.5);line-height:1.6}

/* ── 30. STICKY CTA BANNER ──────────────────────────── */
.sticky-cta{
  display:flex;flex-direction:column;gap:0;
}

/* ── 31. TAGS / PILLS ───────────────────────────────── */
.tags{display:flex;flex-wrap:wrap;gap:.4rem;margin:.75rem 0}
.tag{
  padding:.2rem .7rem;
  background:rgba(61,184,49,.08);
  border:1px solid var(--border);
  border-radius:100px;font-size:.7rem;
  color:rgba(255,255,255,.55);
  transition:all .15s;
}
.tag:hover{background:rgba(61,184,49,.18);color:var(--g6)}

/* ── 32. IMAGE CAPTION ──────────────────────────────── */
.img-cap{
  font-size:.73rem;color:rgba(255,255,255,.35);
  text-align:center;margin-top:.5rem;font-style:italic;
}

/* ── 33. CALL OUT BOX ───────────────────────────────── */
.callout{
  display:flex;gap:1rem;align-items:flex-start;
  padding:1.2rem 1.4rem;
  background:rgba(61,184,49,.07);
  border:1px solid rgba(93,212,78,.25);
  border-radius:var(--radius);
  margin:1.5rem 0;
}
.callout-icon{font-size:1.4rem;flex-shrink:0;margin-top:.1rem}
.callout p{font-size:.86rem;color:rgba(255,255,255,.75);margin:0;line-height:1.65}

/* ── 34. SCROLLBAR CUSTOM TRACK ─────────────────────── */
* { scrollbar-width:thin;scrollbar-color:var(--g5) var(--g1) }

/* ── 35. SELECTION COLOR ────────────────────────────── */
::selection{background:rgba(61,184,49,.3);color:var(--white)}

/* ── 36. FOCUS RING ─────────────────────────────────── */
:focus-visible{
  outline:2px solid var(--g6);
  outline-offset:3px;
  border-radius:4px;
}

/* ── 37. MOBILE CARD SWIPE INDICATOR ───────────────── */
@media(max-width:768px){
  .swipe-hint::after{
    content:'← swipe';
    display:block;text-align:center;
    font-size:.7rem;color:rgba(255,255,255,.3);
    margin-top:.5rem;letter-spacing:.08em;
    animation:swipeHint 2s ease-in-out 2s both;
  }
  @keyframes swipeHint{
    0%{opacity:0}30%{opacity:1}70%{opacity:1}100%{opacity:0;display:none}
  }
}

/* ── 38. LIQUID BORDER HOVER ────────────────────────── */
.liquid-border{
  position:relative;
}
.liquid-border::after{
  content:'';
  position:absolute;inset:-2px;
  border-radius:calc(var(--radius-lg) + 2px);
  background:linear-gradient(var(--angle,0deg),var(--g5),var(--g6),var(--neon),var(--g4),var(--g5));
  z-index:-1;opacity:0;
  transition:opacity .3s;
}
.liquid-border:hover::after{
  opacity:1;
  animation:rotateBorder 3s linear infinite;
}
@keyframes rotateBorder{
  0%{--angle:0deg}
  100%{--angle:360deg}
}
@property --angle{
  syntax:'<angle>';initial-value:0deg;inherits:false;
}

/* ── 39. HERO SCAN LINE ─────────────────────────────── */
.scan-line{
  position:absolute;inset:0;pointer-events:none;z-index:2;
  background:repeating-linear-gradient(
    0deg,
    transparent,transparent 2px,
    rgba(0,0,0,.04) 2px,rgba(0,0,0,.04) 4px
  );
}

/* ── 40. BACK TO TOP PULSE ──────────────────────────── */
#stb{animation:none}
#stb.on{
  animation:stbPulse 2s ease-in-out infinite;
}
@keyframes stbPulse{
  0%,100%{box-shadow:0 4px 20px rgba(61,184,49,.4)}
  50%{box-shadow:0 4px 32px rgba(61,184,49,.7),0 0 0 8px rgba(61,184,49,.08)}
}