/* ==========================================================================
   SFS FINANCE KERALA (sfsfinance.in) - Official Stylesheet
   Minimal, Modern, Professional Vehicle Loan Portal
   ========================================================================== */

:root {
  /* Brand Palette */
  --primary: #0A1C3E;        /* Deep Kerala Banking Navy */
  --primary-light: #122B5D;
  --primary-dark: #061126;
  --accent: #059669;         /* Growth & Trust Emerald */
  --accent-light: #10B981;
  --accent-dark: #047857;
  --accent-soft: #ECFDF5;
  --gold: #D97706;           /* Financial Gold */
  --gold-light: #F59E0B;
  --gold-soft: #FEF3C7;
  --whatsapp: #25D366;       /* WhatsApp Official Green */
  --whatsapp-dark: #128C7E;

  /* Neutral Spectrum */
  --bg-page: #F8FAFC;
  --bg-surface: #FFFFFF;
  --bg-subtle: #F1F5F9;
  --text-main: #0F172A;
  --text-muted: #475569;
  --text-light: #94A3B8;
  --border-light: #E2E8F0;
  --border-medium: #CBD5E1;

  /* Elevation Shadows */
  --shadow-xs: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --shadow-sm: 0 1px 3px 0 rgba(15, 23, 42, 0.08), 0 1px 2px -1px rgba(15, 23, 42, 0.08);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(15, 23, 42, 0.1), 0 8px 10px -6px rgba(15, 23, 42, 0.06);
  --shadow-card: 0 2px 8px rgba(10, 28, 62, 0.06), 0 12px 24px rgba(10, 28, 62, 0.04);

  /* Layout & Geometry */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  --container-max: 1240px;
  --transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Base & Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  color: var(--text-main);
  background-color: var(--bg-page);
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  line-height: 1.6;
  font-size: 16px;
  overflow-x: hidden;
  color: var(--text-main);
}

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

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

button, input, select, textarea {
  font: inherit;
  outline: none;
}

/* Typography Helpers */
h1, h2, h3, h4, h5, h6 {
  color: var(--primary);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent-soft);
  color: var(--accent-dark);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
  border: 1px solid rgba(16, 185, 129, 0.2);
}

.section-label-gold {
  background: var(--gold-soft);
  color: #B45309;
  border-color: rgba(245, 158, 11, 0.25);
}

.section-title {
  font-size: 2.15rem;
  margin-bottom: 14px;
  font-weight: 800;
}

.section-desc {
  font-size: 1.025rem;
  color: var(--text-muted);
  max-width: 680px;
  line-height: 1.65;
}

.section-header {
  text-align: center;
  margin-bottom: 44px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

/* ==========================================================================
   Main Unified Header (Clean, Minimal Desktop Bar)
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: 0 4px 18px rgba(10, 28, 62, 0.06);
  background: rgba(255, 255, 255, 0.98);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
  gap: 24px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  box-shadow: 0 4px 10px rgba(10, 28, 62, 0.15);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.brand-title span {
  color: var(--accent);
}

.brand-tagline {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  white-space: nowrap;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-muted);
  position: relative;
  padding: 8px 0;
  white-space: nowrap;
  transition: var(--transition);
}

.nav-link:hover, .nav-link.active {
  color: var(--primary);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--accent);
  transition: var(--transition);
  border-radius: 2px;
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.header-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  padding: 8px 12px;
  border-radius: var(--radius-md);
  transition: var(--transition);
  white-space: nowrap;
  border: 1px solid var(--border-light);
  background: var(--bg-subtle);
}

.header-phone-link svg {
  color: var(--accent);
}

.header-phone-link:hover {
  background: #FFFFFF;
  border-color: var(--primary);
}

/* Button Component */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.925rem;
  font-weight: 700;
  padding: 10px 20px;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--primary);
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(10, 28, 62, 0.15);
}

.btn-primary:hover {
  background-color: var(--primary-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(10, 28, 62, 0.22);
}

.btn-accent {
  background-color: var(--accent);
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(5, 150, 105, 0.25);
}

.btn-accent:hover {
  background-color: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(5, 150, 105, 0.35);
}

.btn-whatsapp {
  background-color: #25D366;
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.25);
}

.btn-whatsapp:hover {
  background-color: #1EBE5D;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(37, 211, 102, 0.35);
}

.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--border-medium);
}

.btn-outline:hover {
  background-color: var(--bg-subtle);
  border-color: var(--primary);
}

.btn-sm {
  font-size: 0.8125rem;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
}

.btn-lg {
  font-size: 1rem;
  padding: 13px 26px;
  border-radius: var(--radius-lg);
}

.btn-block {
  width: 100%;
}

/* Mobile Toggle */
.mobile-nav-toggle {
  display: none;
  background: transparent;
  border: none;
  padding: 8px;
  cursor: pointer;
  color: var(--primary);
}

/* ==========================================================================
   Hero Section (Minimal & Direct)
   ========================================================================== */

.hero {
  position: relative;
  background: linear-gradient(175deg, #FFFFFF 0%, #F1F5F9 100%);
  padding: 60px 0 70px;
  overflow: hidden;
  border-bottom: 1px solid var(--border-light);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--primary);
  width: fit-content;
  margin-bottom: 18px;
  box-shadow: var(--shadow-xs);
}

.hero-pill-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
}

.hero-title {
  font-size: 3rem;
  line-height: 1.15;
  margin-bottom: 18px;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.hero-title .highlight {
  color: var(--accent);
  position: relative;
  display: inline-block;
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 28px;
  max-width: 560px;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

/* Hero Fast-Action Card */
.hero-action-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 30px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(10, 28, 62, 0.08);
}

.action-card-header {
  margin-bottom: 20px;
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 14px;
}

.action-card-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.action-badge {
  font-size: 0.725rem;
  background: var(--accent-soft);
  color: var(--accent-dark);
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--radius-full);
}

.quick-quote-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.form-label {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--primary);
  display: flex;
  justify-content: space-between;
}

.form-label span.req {
  color: #DC2626;
}

.form-control {
  width: 100%;
  padding: 11px 14px;
  background-color: var(--bg-subtle);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  font-size: 0.925rem;
  color: var(--text-main);
  transition: var(--transition);
}

.form-control:focus {
  background-color: #FFFFFF;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15);
}

.quick-quote-assurance {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.775rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 10px;
}

.quick-quote-assurance svg {
  color: var(--accent);
}

/* ==========================================================================
   Partners Strip (Minimal)
   ========================================================================== */

.partners-strip {
  background: #FFFFFF;
  padding: 22px 0;
  border-bottom: 1px solid var(--border-light);
}

.partners-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.partners-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  white-space: nowrap;
}

.partners-grid {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.partner-pill {
  font-size: 0.85rem;
  font-weight: 800;
  color: #475569;
  padding: 5px 12px;
  background: var(--bg-subtle);
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-light);
  letter-spacing: -0.01em;
}

.partner-pill span {
  color: var(--primary);
}

/* ==========================================================================
   Interactive Live EMI Calculator
   ========================================================================== */

.calculator-section {
  padding: 80px 0;
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  border-bottom: 1px solid var(--border-light);
}

.calculator-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  overflow: hidden;
}

.calc-inputs-side {
  padding: 40px;
}

.calc-results-side {
  background: linear-gradient(145deg, var(--primary) 0%, var(--primary-light) 100%);
  color: #FFFFFF;
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.slider-group {
  margin-bottom: 28px;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.slider-title {
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--primary);
}

.slider-value-badge {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--accent-dark);
  background: var(--accent-soft);
  padding: 3px 12px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(16, 185, 129, 0.2);
}

.range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--border-medium);
  outline: none;
  cursor: pointer;
  transition: background 0.2s;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #FFFFFF;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: transform 0.15s, background-color 0.15s;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--accent);
}

.range-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #FFFFFF;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.25);
  cursor: pointer;
}

.slider-limits {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-light);
  font-weight: 600;
  margin-top: 6px;
}

.calc-presets {
  display: flex;
  gap: 8px;
  margin-top: 10px;
  flex-wrap: wrap;
}

.preset-chip {
  font-size: 0.725rem;
  font-weight: 700;
  color: var(--text-muted);
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: var(--transition);
}

.preset-chip:hover {
  border-color: var(--primary);
  color: var(--primary);
}

/* Calculator Output Side */
.result-box-main {
  text-align: center;
  padding: 22px;
  background: rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 22px;
}

.result-box-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94A3B8;
  font-weight: 700;
  margin-bottom: 6px;
}

.result-box-val {
  font-size: 2.6rem;
  font-weight: 900;
  color: #FFFFFF;
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.calc-breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 22px;
}

.breakdown-item {
  padding: 13px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.breakdown-label {
  font-size: 0.75rem;
  color: #94A3B8;
  font-weight: 600;
}

.breakdown-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-top: 4px;
}

.calc-visual-bar {
  margin-bottom: 24px;
}

.bar-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: #CBD5E1;
  font-weight: 600;
  margin-bottom: 6px;
}

.split-track {
  height: 8px;
  border-radius: 4px;
  background: rgba(255, 255, 255, 0.15);
  display: flex;
  overflow: hidden;
}

.split-principal {
  background: #3B82F6;
  height: 100%;
  transition: width 0.3s ease;
}

.split-interest {
  background: #F59E0B;
  height: 100%;
  transition: width 0.3s ease;
}

.calc-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ==========================================================================
   Transparent Process (4 Steps)
   ========================================================================== */

.process-section {
  padding: 80px 0;
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--border-light);
}

.process-steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.process-step-card {
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px 22px;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.process-step-card:hover {
  transform: translateY(-3px);
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

.step-num-badge {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-full);
  background: var(--primary);
  color: #FFFFFF;
  font-size: 1.05rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.step-time-tag {
  margin-top: 16px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.775rem;
  font-weight: 700;
  color: var(--accent-dark);
}

/* ==========================================================================
   Eligibility & Documents Checklist
   ========================================================================== */

.eligibility-section {
  padding: 80px 0;
  background-color: var(--bg-page);
  border-bottom: 1px solid var(--border-light);
}

.eligibility-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

.eligibility-tabs-nav {
  display: flex;
  background: var(--bg-subtle);
  border-bottom: 1px solid var(--border-light);
  overflow-x: auto;
}

.tab-btn {
  flex: 1;
  padding: 16px 20px;
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--text-muted);
  background: transparent;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: var(--transition);
  white-space: nowrap;
  border-bottom: 3px solid transparent;
}

.tab-btn:hover {
  color: var(--primary);
  background: rgba(255, 255, 255, 0.5);
}

.tab-btn.active {
  color: var(--primary);
  background: #FFFFFF;
  border-bottom-color: var(--accent);
}

.tab-content-panel {
  display: none;
  padding: 38px;
}

.tab-content-panel.active {
  display: block;
  animation: fadeIn 0.25s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(5px); }
  to { opacity: 1; transform: translateY(0); }
}

.tab-panel-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.doc-group-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 11px;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--text-main);
}

.checklist-item svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 3px;
}

.checklist-item strong {
  color: var(--primary);
}

/* ==========================================================================
   FAQ Section
   ========================================================================== */

.faq-section {
  padding: 80px 0;
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--border-light);
}

.faq-accordion {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  padding: 18px 22px;
  background: #FFFFFF;
  border: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  transition: var(--transition);
}

.faq-question:hover {
  background: var(--bg-subtle);
}

.faq-icon {
  width: 22px;
  height: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.25s ease;
  color: var(--accent);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease, padding 0.25s ease;
  background: var(--bg-page);
  padding: 0 22px;
  color: var(--text-muted);
  font-size: 0.9125rem;
  line-height: 1.6;
}

.faq-item.active .faq-answer {
  max-height: 280px;
  padding: 18px 22px 22px;
}

/* ==========================================================================
   Contact & Application Section
   ========================================================================== */

.contact-section {
  padding: 80px 0;
  background: linear-gradient(175deg, #F8FAFC 0%, #EEF2F6 100%);
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 44px;
  align-items: flex-start;
}

.contact-info-panel {
  display: flex;
  flex-direction: column;
}

.contact-card-box {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-card);
  margin-top: 22px;
}

.info-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 22px;
}

.info-item:last-child {
  margin-bottom: 0;
}

.info-icon-box {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background: var(--bg-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.info-text h5 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.info-text p, .info-text a {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary);
}

.info-text a:hover {
  color: var(--accent);
}

.contact-form-panel {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 36px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-card);
}

.form-header {
  margin-bottom: 22px;
}

.form-header h3 {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 6px;
}

.form-header p {
  font-size: 0.8875rem;
  color: var(--text-muted);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-alert {
  padding: 12px 14px;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  margin-bottom: 16px;
  display: none;
}

.form-alert.success {
  display: block;
  background: var(--accent-soft);
  color: var(--accent-dark);
  border: 1px solid rgba(16, 185, 129, 0.3);
}

.form-alert.error {
  display: block;
  background: #FEE2E2;
  color: #B91C1C;
  border: 1px solid rgba(239, 68, 68, 0.3);
}

/* ==========================================================================
   Minimal Footer
   ========================================================================== */

.site-footer {
  background: var(--primary-dark);
  color: #94A3B8;
  padding: 60px 0 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.6fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand {
  display: flex;
  flex-direction: column;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #FFFFFF;
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 14px;
}

.footer-logo span {
  color: var(--accent-light);
}

.footer-bio {
  font-size: 0.85rem;
  line-height: 1.6;
  color: #94A3B8;
}

.footer-col h5 {
  color: #FFFFFF;
  font-size: 0.925rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-links a {
  font-size: 0.85rem;
  color: #94A3B8;
  transition: var(--transition);
}

.footer-links a:hover {
  color: #FFFFFF;
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  font-size: 0.75rem;
  line-height: 1.6;
  color: #64748B;
  margin-bottom: 24px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  flex-wrap: wrap;
  gap: 12px;
}

.powered-by-tag {
  text-align: center;
  font-size: 0.68rem;
  color: rgba(148, 163, 184, 0.35);
  margin-top: 16px;
  letter-spacing: 0.02em;
}

.powered-by-tag a {
  color: rgba(148, 163, 184, 0.4);
  text-decoration: none;
  transition: opacity 0.2s ease, color 0.2s ease;
}

.powered-by-tag a:hover {
  color: rgba(148, 163, 184, 0.7);
}

/* ==========================================================================
   Floating WhatsApp Widget & Back to Top
   ========================================================================== */

.floating-whatsapp-btn {
  position: fixed;
  bottom: 26px;
  right: 26px;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: 10px;
  background-color: #25D366;
  color: #FFFFFF;
  padding: 12px 20px;
  border-radius: var(--radius-full);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
  font-weight: 700;
  font-size: 0.9rem;
  transition: var(--transition);
  text-decoration: none;
}

.floating-whatsapp-btn:hover {
  background-color: #1EBE5D;
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(37, 211, 102, 0.5);
  color: #FFFFFF;
}

.wa-online-pulse {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #FFFFFF;
  animation: pulse-dot 1.5s infinite;
}

@keyframes pulse-dot {
  0% { transform: scale(0.95); opacity: 0.9; }
  50% { transform: scale(1.2); opacity: 1; }
  100% { transform: scale(0.95); opacity: 0.9; }
}

.back-to-top {
  position: fixed;
  bottom: 26px;
  left: 26px;
  width: 42px;
  height: 42px;
  background: #FFFFFF;
  border: 1px solid var(--border-medium);
  border-radius: 50%;
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  z-index: 990;
  transition: var(--transition);
  opacity: 0;
  visibility: hidden;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--primary);
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* ==========================================================================
   Responsive Adaptations
   ========================================================================== */

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .calculator-card {
    grid-template-columns: 1fr;
  }
  .process-steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 900px) {
  .nav-menu {
    position: fixed;
    top: 74px;
    left: 0;
    right: 0;
    background: #FFFFFF;
    flex-direction: column;
    padding: 24px;
    box-shadow: var(--shadow-xl);
    border-bottom: 1px solid var(--border-light);
    gap: 16px;
    transform: translateY(-120%);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
  }
  .nav-menu.open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }
  .mobile-nav-toggle {
    display: block;
  }
  .header-phone-link {
    display: none;
  }
}

@media (max-width: 768px) {
  .hero-title {
    font-size: 2.2rem;
  }
  .tab-panel-grid {
    grid-template-columns: 1fr;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .calc-inputs-side, .calc-results-side {
    padding: 24px;
  }
  .result-box-val {
    font-size: 2.2rem;
  }
  .process-steps-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .floating-whatsapp-btn span {
    display: none;
  }
  .floating-whatsapp-btn {
    padding: 13px;
    bottom: 20px;
    right: 20px;
  }
}