/* ============================================================
   MNC BANK CREDIT CARD LANDING PAGE — style.css
   Design: Luxury Gold / Deep Navy — Premium Banking
   ============================================================ */

/* ── CSS VARIABLES ── */
:root {
  --gold:          #C9A42A;
  --gold-light:    #E8C84A;
  --gold-dark:     #A07B1A;
  --gold-shine:    #F5D77A;
  --navy:          #0A0E1A;
  --navy-2:        #0D1426;
  --navy-3:        #111827;
  --navy-card:     #141C2E;
  --navy-border:   #1E2A45;
  --white:         #FFFFFF;
  --text-main:     #F0F4FF;
  --text-muted:    #8896B3;
  --text-light:    #B8C5E0;
  --green-wa:      #25D366;
  --green-wa-dark: #128C7E;

  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-body:    'Plus Jakarta Sans', sans-serif;

  --nav-h:    70px;
  --radius:   14px;
  --radius-lg:20px;
  --radius-xl:28px;
  --shadow:   0 8px 32px rgba(0,0,0,0.45);
  --shadow-gold: 0 0 30px rgba(201,164,42,0.25);

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--ff-body);
  background: var(--navy);
  color: var(--text-main);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 90px 0;
  position: relative;
}

/* ── SCROLL PROGRESS ── */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0%;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-shine));
  z-index: 9999;
  transition: width 0.1s linear;
}

/* ── PRELOADER ── */
.preloader {
  position: fixed;
  inset: 0;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10000;
  transition: opacity 0.4s ease;
}
.preloader.hidden { opacity: 0; pointer-events: none; }
.preloader-inner  { text-align: center; display: flex; flex-direction: column; align-items: center; gap: 20px; }
.preloader-brand  { width: 180px; filter: brightness(1.2); }
.preloader-ring   {
  width: 50px; height: 50px;
  border: 3px solid rgba(201,164,42,0.2);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
}
.preloader-tagline { color: var(--text-muted); font-size: 0.85rem; letter-spacing: 0.08em; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ── NAVBAR ── */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--nav-h);
  z-index: 1000;
  transition: background var(--transition), box-shadow var(--transition);
}
.navbar.scrolled {
  background: rgba(10,14,26,0.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 2px 30px rgba(0,0,0,0.5);
  border-bottom: 1px solid var(--navy-border);
}
.nav-inner {
  height: 100%;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-logo { display: flex; align-items: center; flex-shrink: 0; }
.nav-logo-img { height: 38px; width: auto; filter: brightness(1.1); }
.nav-links {
  display: flex;
  gap: 28px;
  margin-left: auto;
}
.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-light);
  letter-spacing: 0.02em;
  transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}
.nav-links a:hover { color: var(--gold-light); }
.nav-links a:hover::after { width: 100%; }
.btn-wa-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--green-wa);
  color: #fff;
  padding: 10px 20px;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
  flex-shrink: 0;
}
.btn-wa-nav:hover {
  background: var(--green-wa-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37,211,102,0.3);
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
  flex-shrink: 0;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-main);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── MOBILE MENU ── */
.mobile-menu {
  position: fixed;
  top: 0;
  right: -100%;
  width: min(320px, 90vw);
  height: 100%;
  background: var(--navy-card);
  border-left: 1px solid var(--navy-border);
  z-index: 1100;
  padding: 0;
  display: flex;
  flex-direction: column;
  transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
}
.mobile-menu.open { right: 0; }
.mobile-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid var(--navy-border);
}
.mobile-logo { height: 32px; }
.mobile-close {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--navy-border);
  color: var(--text-main);
  font-size: 16px;
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition);
}
.mobile-close:hover { background: var(--gold-dark); }
.mobile-nav {
  display: flex;
  flex-direction: column;
  padding: 16px;
  gap: 4px;
  flex: 1;
}
.mobile-nav a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--radius);
  font-weight: 500;
  color: var(--text-light);
  transition: background var(--transition), color var(--transition);
  font-size: 0.95rem;
}
.mobile-nav a:hover { background: var(--navy-border); color: var(--gold-light); }
.mobile-wa-btn {
  margin: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--green-wa);
  color: #fff;
  padding: 16px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  transition: background var(--transition);
}
.mobile-wa-btn:hover { background: var(--green-wa-dark); }
.mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  z-index: 1050;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
.mobile-overlay.visible { display: block; }

/* ── BUTTONS ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
  background-size: 200% 100%;
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.03em;
  transition: background-position var(--transition), transform var(--transition), box-shadow var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary:hover {
  background-position: right center;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(201,164,42,0.4);
}
.btn-xl { padding: 17px 36px; font-size: 1rem; }
.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-light);
  border: 1px solid var(--navy-border);
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 500;
  font-size: 0.9rem;
  transition: border-color var(--transition), color var(--transition), transform var(--transition);
}
.btn-ghost:hover {
  border-color: var(--gold);
  color: var(--gold-light);
  transform: translateY(-2px);
}

/* ── GOLD TEXT ── */
.gold-text {
  background: linear-gradient(135deg, var(--gold-dark), var(--gold-light), var(--gold-shine));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ── SECTION HEAD ── */
.section-head {
  text-align: center;
  margin-bottom: 60px;
}
.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,164,42,0.12);
  border: 1px solid rgba(201,164,42,0.3);
  color: var(--gold-light);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.section-title {
  font-family: var(--ff-display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-desc {
  max-width: 600px;
  margin: 0 auto;
  color: var(--text-muted);
  font-size: 1rem;
}

/* ── SCROLL REVEAL ── */
.reveal-item {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
  will-change: opacity, transform;
}
.reveal-item.revealed { opacity: 1; transform: translateY(0); }
.reveal-delay  { transition-delay: 0.15s; }
.reveal-d1     { transition-delay: 0.1s; }
.reveal-d2     { transition-delay: 0.2s; }
.reveal-d3     { transition-delay: 0.3s; }
.reveal-d4     { transition-delay: 0.4s; }
.reveal-d5     { transition-delay: 0.5s; }

/* ── HERO ── */
.hero {
  position: relative;
  min-height: calc(var(--vh, 1vh) * 100);
  min-height: 100dvh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-h);
}
.hero-particles { position: absolute; inset: 0; z-index: 1; }
.hero-slides { position: absolute; inset: 0; z-index: 0; }
.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 1.4s ease;
}
.hero-slide.active { opacity: 1; }
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(10,14,26,0.90) 0%,
    rgba(10,14,26,0.75) 40%,
    rgba(10,14,26,0.60) 100%
  );
  z-index: 2;
}
.hero-content {
  position: relative;
  z-index: 10;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 40px 20px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,164,42,0.1);
  border: 1px solid rgba(201,164,42,0.35);
  color: var(--gold-light);
  padding: 7px 16px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.badge-dot {
  width: 8px; height: 8px;
  background: var(--green-wa);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--green-wa);
  animation: blink 1.4s ease-in-out infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:0.3} }

.hero-left h1 {
  font-family: var(--ff-display);
  font-size: clamp(2.2rem, 4.5vw, 3.8rem);
  font-weight: 900;
  line-height: 1.12;
  margin-bottom: 20px;
}
.hero-sub {
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-family: var(--ff-body);
  font-weight: 300;
  color: var(--text-light);
}
.hero-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin-bottom: 32px;
  max-width: 500px;
  line-height: 1.8;
}
.hero-desc strong { color: var(--gold-light); }
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.hero-stats {
  display: flex;
  gap: 0;
  flex-wrap: wrap;
  row-gap: 16px;
}
.hero-stat {
  display: flex;
  flex-direction: column;
  padding: 0 24px;
}
.hero-stat:first-child { padding-left: 0; }
.stat-sep {
  width: 1px;
  background: var(--navy-border);
  align-self: stretch;
}
.stat-num {
  font-family: var(--ff-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
}
.stat-suffix {
  font-size: 1rem;
  font-weight: 600;
  color: var(--gold);
  margin-left: 2px;
}
.stat-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 4px;
  white-space: nowrap;
}

/* Hero Card */
.hero-right {
  display: flex;
  justify-content: center;
  align-items: center;
}
.card-3d-wrapper {
  position: relative;
  width: 380px;
  max-width: 100%;
}
.card-3d {
  perspective: 1200px;
}
.card-face {
  width: 100%;
  aspect-ratio: 1.586 / 1;
  border-radius: 20px;
  padding: 28px;
  background: linear-gradient(135deg, #1B2640 0%, #0D1426 50%, #1B2640 100%);
  border: 1px solid rgba(201,164,42,0.25);
  box-shadow: 0 30px 80px rgba(0,0,0,0.6), 0 0 60px rgba(201,164,42,0.15);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  animation: cardFloat 4s ease-in-out infinite;
}
.card-face::before {
  content: '';
  position: absolute;
  top: -40%;
  left: -20%;
  width: 80%;
  height: 100%;
  background: radial-gradient(ellipse, rgba(201,164,42,0.12) 0%, transparent 70%);
  pointer-events: none;
}
@keyframes cardFloat {
  0%,100% { transform: translateY(0) rotateX(2deg) rotateY(-4deg); }
  50%      { transform: translateY(-14px) rotateX(-2deg) rotateY(4deg); }
}
.card-chip {
  width: 42px; height: 32px;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold-light));
  border-radius: 6px;
  display: flex;
  flex-direction: column;
  justify-content: space-around;
  padding: 6px 8px;
}
.chip-line {
  height: 2px;
  background: rgba(10,14,26,0.3);
  border-radius: 1px;
}
.card-network {
  position: absolute;
  top: 24px;
  right: 24px;
  display: flex;
}
.circle {
  width: 38px; height: 38px;
  border-radius: 50%;
}
.circle-1 { background: rgba(201,164,42,0.7); z-index: 1; }
.circle-2 { background: rgba(201,164,42,0.4); margin-left: -16px; }
.card-number {
  font-family: 'Courier New', monospace;
  font-size: 1.1rem;
  letter-spacing: 0.2em;
  color: rgba(255,255,255,0.85);
  text-align: center;
}
.card-meta {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.card-label {
  font-size: 0.6rem;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.card-value {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  letter-spacing: 0.05em;
}
.card-brand-logo {
  position: absolute;
  bottom: 24px;
  right: 24px;
}
.card-bank-logo {
  height: 22px;
  filter: brightness(1.3);
}

/* Floating badges */
.float-badge {
  position: absolute;
  background: rgba(13,20,38,0.92);
  border: 1px solid rgba(201,164,42,0.35);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: 50px;
  padding: 10px 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-main);
  white-space: nowrap;
  box-shadow: var(--shadow);
}
.badge-icon { font-size: 1.1rem; }
.float-1 { top: -20px; left: -30px; animation: floatA 3.5s ease-in-out infinite; }
.float-2 { bottom: 40px; left: -40px; animation: floatB 4s ease-in-out infinite 0.5s; }
.float-3 { top: 40px; right: -40px; animation: floatA 3.8s ease-in-out infinite 1s; }
@keyframes floatA { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }
@keyframes floatB { 0%,100%{transform:translateY(0)} 50%{transform:translateY(10px)} }

.hero-dots {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 10;
}
.hero-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.3);
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}
.hero-dot.active { background: var(--gold); transform: scale(1.4); }
.scroll-cue {
  position: absolute;
  bottom: 32px;
  right: 40px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  z-index: 10;
  opacity: 0.5;
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.scroll-mouse {
  width: 22px; height: 34px;
  border: 2px solid rgba(255,255,255,0.4);
  border-radius: 12px;
  display: flex;
  justify-content: center;
  padding-top: 6px;
}
.scroll-wheel {
  width: 3px; height: 6px;
  background: var(--gold);
  border-radius: 3px;
  animation: scrollDown 1.8s ease-in-out infinite;
}
@keyframes scrollDown { 0%,100%{transform:translateY(0);opacity:1} 80%{transform:translateY(8px);opacity:0} }

/* ── TICKER ── */
.ticker-wrap {
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-dark));
  overflow: hidden;
  padding: 12px 0;
  position: relative;
  z-index: 5;
}
.ticker-track {
  display: inline-flex;
  gap: 0;
  white-space: nowrap;
  animation: tickerScroll 40s linear infinite;
}
.ticker-track span {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  padding: 0 16px;
  letter-spacing: 0.03em;
}
.ticker-sep { color: var(--navy-2) !important; }
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ── CARDS SECTION ── */
.cards-section { background: var(--navy-2); }
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card-item-inner {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  position: relative;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.card-item-inner:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-gold), var(--shadow);
  border-color: rgba(201,164,42,0.3);
}
.card-item-inner.featured {
  border-color: var(--gold);
  box-shadow: 0 0 40px rgba(201,164,42,0.2);
}
.featured-tag {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 50px;
  z-index: 5;
  letter-spacing: 0.05em;
}
.card-item-top {
  padding: 24px;
  aspect-ratio: 1.8 / 1;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.card-item-top.gold      { background: linear-gradient(135deg, #1C1400, #2E2100); }
.card-item-top.platinum  { background: linear-gradient(135deg, #0A0A14, #14142A); }
.card-item-top.titanium  { background: linear-gradient(135deg, #0E1520, #1A2030); }
.card-item-top.icon      { background: linear-gradient(135deg, #0A1520, #001A35); }
.card-item-top.kai       { background: linear-gradient(135deg, #100A1A, #1A0A25); }
.card-item-top.citilink  { background: linear-gradient(135deg, #001A10, #002510); }

.card-visual {
  width: 90%;
  max-width: 260px;
  aspect-ratio: 1.586 / 1;
  border-radius: 12px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  box-shadow: 0 10px 30px rgba(0,0,0,0.5);
  transition: transform var(--transition);
}
.card-item-inner:hover .card-visual { transform: scale(1.05) rotateZ(1deg); }
.visa-gold     { background: linear-gradient(135deg, #B8860B, #DAA520, #8B6914); }
.visa-platinum { background: linear-gradient(135deg, #2A2A3A, #4A4A6A, #1A1A2A); }
.mc-titanium   { background: linear-gradient(135deg, #3D3D3D, #1A1A1A, #5A5A5A); }
.mnc-icon      { background: linear-gradient(135deg, #003875, #005AAD, #001F45); }
.kai-card      { background: linear-gradient(135deg, #4B0082, #6A0DAD, #300060); }
.citilink-card { background: linear-gradient(135deg, #006400, #00A000, #004000); }

.cv-chip {
  width: 26px; height: 20px;
  background: linear-gradient(135deg, #C9A42A, #F5D77A);
  border-radius: 3px;
}
.cv-logo {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.cv-logo span:first-child { font-size: 0.85rem; font-weight: 800; color: #fff; }
.cv-sub { font-size: 0.55rem; font-weight: 400; color: rgba(255,255,255,0.7); }
.cv-num { font-size: 0.55rem; letter-spacing: 0.15em; color: rgba(255,255,255,0.7); font-family: monospace; }
.cv-network {
  position: absolute;
  bottom: 12px;
  right: 12px;
  font-weight: 900;
  font-style: italic;
  font-size: 0.7rem;
  color: rgba(255,255,255,0.9);
}
.mc { display: flex; align-items: center; }
.mc-c { width: 16px; height: 16px; border-radius: 50%; }
.mc-c1 { background: rgba(255,80,0,0.8); }
.mc-c2 { background: rgba(255,165,0,0.8); margin-left: -6px; }

.card-item-body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.card-item-body h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-main);
}
.card-item-body p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 14px;
  line-height: 1.6;
  flex: 1;
}
.card-perks {
  margin-bottom: 16px;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.card-perks li {
  font-size: 0.8rem;
  color: var(--text-light);
}
.btn-card-apply {
  display: block;
  text-align: center;
  background: linear-gradient(135deg, rgba(201,164,42,0.15), rgba(201,164,42,0.08));
  border: 1px solid rgba(201,164,42,0.35);
  color: var(--gold-light);
  padding: 11px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 600;
  transition: background var(--transition), transform var(--transition);
  margin-top: auto;
}
.btn-card-apply:hover {
  background: linear-gradient(135deg, rgba(201,164,42,0.3), rgba(201,164,42,0.15));
  transform: translateY(-2px);
}
.btn-card-apply.featured-btn {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border: none;
}
.btn-card-apply.featured-btn:hover {
  box-shadow: 0 8px 24px rgba(201,164,42,0.4);
}

/* ── PROMO SECTION ── */
.promo-section {
  background: var(--navy-3);
  overflow: hidden;
}
.promo-bg-pattern {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 50%, rgba(201,164,42,0.04) 0%, transparent 50%),
                    radial-gradient(circle at 80% 50%, rgba(201,164,42,0.04) 0%, transparent 50%);
  pointer-events: none;
}
.promo-card {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.promo-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-gold), var(--shadow);
  border-color: rgba(201,164,42,0.25);
}
.promo-img-wrap {
  position: relative;
  aspect-ratio: 16/9;
  overflow: hidden;
}
.promo-img-wrap img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.promo-card:hover .promo-img-wrap img { transform: scale(1.06); }
.promo-category {
  position: absolute;
  top: 12px;
  left: 12px;
  background: rgba(10,14,26,0.85);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid var(--navy-border);
  padding: 5px 12px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 600;
}
.promo-body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.promo-body h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.promo-body p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 12px;
}
.promo-body p strong { color: var(--gold-light); }
.promo-tag {
  display: inline-block;
  background: rgba(201,164,42,0.1);
  border: 1px solid rgba(201,164,42,0.2);
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 14px;
}
.promo-btn {
  display: block;
  text-align: center;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 11px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 700;
  transition: transform var(--transition), box-shadow var(--transition);
  margin-top: auto;
}
.promo-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(201,164,42,0.3);
}
.promo-cta-row {
  text-align: center;
  margin-top: 50px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.promo-cta-row p { color: var(--text-muted); font-size: 1rem; }

/* ── BENEFIT SECTION ── */
.benefit-section {
  background: var(--navy-2);
  position: relative;
}
.benefit-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 1px;
  height: 100%;
  background: linear-gradient(180deg, transparent, var(--gold-dark), transparent);
  opacity: 0.3;
}
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.benefit-card {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.benefit-card:hover {
  transform: translateY(-6px);
  border-color: rgba(201,164,42,0.3);
  box-shadow: var(--shadow-gold);
}
.benefit-icon {
  font-size: 2.4rem;
  margin-bottom: 14px;
  display: block;
}
.benefit-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-main);
}
.benefit-card p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ── STEPS SECTION ── */
.steps-section { background: var(--navy-3); }
.steps-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.steps-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.step-item {
  display: flex;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid var(--navy-border);
  position: relative;
}
.step-item:last-child { border-bottom: none; }
.step-num {
  font-family: var(--ff-display);
  font-size: 2.5rem;
  font-weight: 900;
  color: rgba(201,164,42,0.15);
  line-height: 1;
  flex-shrink: 0;
  width: 60px;
  transition: color var(--transition);
}
.step-item:hover .step-num { color: rgba(201,164,42,0.4); }
.step-body h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 6px;
}
.step-body p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Requirement Box */
.req-box {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-xl);
  padding: 32px;
}
.req-box h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 20px;
}
.req-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
  background: var(--navy-2);
  padding: 6px;
  border-radius: var(--radius);
}
.req-tab {
  flex: 1;
  padding: 10px;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  text-align: center;
  transition: background var(--transition), color var(--transition);
  background: transparent;
}
.req-tab.active {
  background: var(--gold);
  color: var(--navy);
}
.req-tab:hover:not(.active) {
  background: var(--navy-border);
  color: var(--text-main);
}
.req-content { display: none; }
.req-content.active { display: block; }
.req-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.req-list li {
  font-size: 0.875rem;
  color: var(--text-light);
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.req-list li:last-child { border-bottom: none; }
.req-note {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 20px;
  padding: 14px;
  background: rgba(201,164,42,0.08);
  border: 1px solid rgba(201,164,42,0.2);
  border-radius: var(--radius);
  font-size: 0.82rem;
  color: var(--gold-light);
  line-height: 1.5;
}

/* ── TESTIMONIALS ── */
.testi-section { background: var(--navy-2); }
.testi-card {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  height: 100%;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: transform var(--transition), border-color var(--transition);
}
.testi-card:hover {
  transform: translateY(-4px);
  border-color: rgba(201,164,42,0.25);
}
.testi-stars { color: var(--gold); font-size: 1rem; letter-spacing: 2px; }
.testi-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
  font-style: italic;
  flex: 1;
}
.testi-author {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: auto;
  border-top: 1px solid var(--navy-border);
  padding-top: 16px;
}
.testi-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--navy);
  flex-shrink: 0;
}
.testi-author strong { font-size: 0.9rem; display: block; }
.testi-author small { font-size: 0.75rem; color: var(--text-muted); }

/* ── FAQ ── */
.faq-section { background: var(--navy-3); }
.faq-wrap {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 60px;
  align-items: start;
}
.faq-img-wrap {
  margin-top: 32px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 4/3;
}
.faq-img-wrap img { width: 100%; height: 100%; object-fit: cover; }
.faq-item {
  border-bottom: 1px solid var(--navy-border);
}
.faq-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0;
  text-align: left;
  color: var(--text-main);
  font-size: 0.95rem;
  font-weight: 500;
  transition: color var(--transition);
}
.faq-btn:hover { color: var(--gold-light); }
.faq-arrow {
  font-size: 0.75rem;
  color: var(--text-muted);
  flex-shrink: 0;
  transition: transform var(--transition), color var(--transition);
}
.faq-item.open .faq-arrow { color: var(--gold); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding var(--transition);
}
.faq-item.open .faq-answer { max-height: 300px; padding-bottom: 16px; }
.faq-answer p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.8;
}
.faq-answer p strong { color: var(--gold-light); }

/* ── CTA SECTION ── */
.cta-section {
  background: linear-gradient(135deg, var(--navy-2), var(--navy));
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.cta-bg-anim {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(201,164,42,0.08) 0%, transparent 70%);
  animation: ctaPulse 4s ease-in-out infinite;
}
@keyframes ctaPulse { 0%,100%{opacity:1} 50%{opacity:0.4} }
.cta-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-text h2 {
  font-family: var(--ff-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 12px;
}
.cta-text p {
  color: var(--text-muted);
  font-size: 1rem;
  max-width: 500px;
}
.cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}
.cta-wa-btn {
  background: linear-gradient(135deg, var(--green-wa), #20B858) !important;
  box-shadow: 0 12px 40px rgba(37,211,102,0.35);
  color: #fff !important;
}
.cta-wa-btn:hover {
  box-shadow: 0 16px 50px rgba(37,211,102,0.5) !important;
  color: #fff !important;
}
.cta-phone {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
}
.cta-phone span { font-weight: 700; font-size: 1rem; color: var(--text-main); }
.cta-phone small { font-size: 0.75rem; color: var(--text-muted); }

/* ── FOOTER ── */
.footer { background: #050810; padding: 70px 0 0; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid var(--navy-border);
}
.footer-brand p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-top: 12px;
}
.footer-logo { height: 36px; margin-bottom: 12px; }
.footer-social { display: flex; gap: 12px; margin-top: 16px; }
.footer-social a {
  width: 38px; height: 38px;
  background: var(--navy-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  transition: background var(--transition), color var(--transition);
}
.footer-social a:hover { background: var(--green-wa); color: #fff; }
.footer-links h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-links a {
  display: block;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 10px;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom {
  padding: 24px 20px;
  text-align: center;
}
.footer-bottom p {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ── FLOATING WA BUTTON ── */
.fab-wa {
  position: fixed;
  bottom: 28px;
  right: 24px;
  z-index: 900;
  background: var(--green-wa);
  color: #fff;
  width: 60px;
  height: 60px;
  border-radius: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  box-shadow: 0 8px 32px rgba(37,211,102,0.5);
  transition: width var(--transition), border-radius var(--transition), transform var(--transition), box-shadow var(--transition), gap var(--transition);
  overflow: hidden;
  white-space: nowrap;
  opacity: 0;
  transform: translateY(20px) scale(0.9);
  pointer-events: none;
}
.fab-wa.visible {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}
.fab-wa:hover {
  width: auto;
  padding: 0 22px;
  border-radius: 50px;
  gap: 10px;
  box-shadow: 0 12px 40px rgba(37,211,102,0.65);
  transform: translateY(-3px) scale(1.02);
  background: var(--green-wa-dark);
}
.fab-wa svg { flex-shrink: 0; }
.fab-label {
  font-size: 0.875rem;
  font-weight: 700;
  max-width: 0;
  overflow: hidden;
  transition: max-width 0.3s ease;
}
.fab-wa:hover .fab-label { max-width: 200px; }
.fab-pulse {
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: var(--green-wa);
  animation: fabPulse 2.5s ease-out infinite;
  z-index: -1;
}
@keyframes fabPulse {
  0% { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(1.7); opacity: 0; }
}

/* ── SWIPER OVERRIDES ── */
.swiper { padding-bottom: 44px !important; }
.swiper-pagination-bullet { background: var(--navy-border) !important; opacity: 1 !important; }
.swiper-pagination-bullet-active { background: var(--gold) !important; transform: scale(1.4); }

/* ============================================================
   RESPONSIVE — TABLET & MOBILE
   ============================================================ */

@media (max-width: 1100px) {
  .cards-grid   { grid-template-columns: repeat(2, 1fr); }
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .nav-links { display: none; }
  .btn-wa-nav { display: none; }
  .hamburger  { display: flex; }

  .hero-content {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
    padding: 30px 20px 60px;
  }
  .hero-left h1 { font-size: clamp(1.8rem, 6vw, 2.8rem); }
  .hero-desc { max-width: 100%; }
  .hero-actions {
    justify-content: center;
  }
  .hero-stats {
    justify-content: center;
  }
  .hero-stat { padding: 0 14px; }
  .hero-right { order: -1; }
  .card-3d-wrapper { width: 300px; }
  .float-1 { left: -10px; }
  .float-2 { left: -10px; }
  .float-3 { right: -10px; }

  .steps-wrap  { grid-template-columns: 1fr; gap: 40px; }
  .faq-wrap    { grid-template-columns: 1fr; gap: 40px; }
  .faq-img-wrap { display: none; }
  .faq-left { text-align: center; }
  .faq-left .section-title { text-align: center !important; }
  .faq-left .btn-primary { margin: 0 auto; display: inline-flex; }

  .cta-inner { flex-direction: column; text-align: center; }
  .cta-text p { margin: 0 auto; }
}

@media (max-width: 700px) {
  :root { --nav-h: 60px; }
  .section { padding: 60px 0; }

  .cards-grid   { grid-template-columns: 1fr; }
  .benefit-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }

  .hero-stats {
    gap: 0;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
  }
  .stat-sep { display: none; }
  .hero-stat {
    padding: 12px;
    border: 1px solid var(--navy-border);
    border-radius: var(--radius);
    background: rgba(255,255,255,0.02);
    text-align: center;
    align-items: center;
  }
  .hero-stat:first-child { padding: 12px; }

  .steps-left .section-title { text-align: left !important; }
  .req-box { padding: 20px; }
  .steps-left .btn-primary { display: inline-flex; }

  .footer-inner { grid-template-columns: 1fr 1fr; gap: 30px; }
  .footer-brand { grid-column: 1 / -1; }

  .cta-section { padding: 70px 0; }
  .cta-wa-btn.btn-xl { padding: 16px 28px; font-size: 0.95rem; }

  .float-badge { display: none; }
}

@media (max-width: 480px) {
  .section { padding: 50px 0; }
  .section-head { margin-bottom: 40px; }
  .benefit-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: center; }
  .btn-ghost { display: none; }
  .footer-inner { grid-template-columns: 1fr; }
  .req-tabs { flex-wrap: wrap; }
  .ticker-wrap { display: none; }
  .card-3d-wrapper { width: 260px; }
  .fab-wa { bottom: 20px; right: 16px; width: 54px; height: 54px; }

  /* Mobile-safe hero height */
  .hero {
    min-height: calc(var(--vh, 1vh) * 100);
    padding-bottom: 60px;
  }
}

/* ── UTILITY: Prevent layout jump on mobile ── */
@supports (height: 100dvh) {
  .hero {
    min-height: 100dvh;
  }
}