/* Iwahori Multi-Purpose Cooperative - Main Stylesheet */
/* Mobile-First | Hamburger Menu | Responsive Design */

:root {
    --primary: #1e3a5f;
    --primary-light: #2c5282;
    --accent: #f6c244;
    --accent-dark: #d4a82f;
    --bg-cream: #f8fafc;
    --text-dark: #1f2937;
    --text-gray: #6b7280;
    --text-white: #e2e8f0;
    --border: #e2e8f0;
    --nav-height: 72px;
}

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

html {
    scroll-behavior: smooth;
    overflow-x: hidden;
}

body {
    font-family: "Roboto", sans-serif;
    color: var(--text-dark);
    background: var(--bg-cream);
    line-height: 1.6;
    overflow-x: hidden;
}

/* ============================================
   NAVIGATION
   ============================================ */
nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    width: 100%;
    max-width: 100vw;
    background: var(--primary);
    backdrop-filter: blur(10px);
    z-index: 1000;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    transition: all 0.3s ease;
    overflow: hidden;
}

nav.scrolled {
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.2);
}

.nav-container {
    max-width: 1400px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 max(1rem, env(safe-area-inset-right)) 0 max(1rem, env(safe-area-inset-left));
    height: var(--nav-height);
    gap: 0.75rem;
    min-width: 0;
}

.logo {
    font-family: "Roboto", sans-serif;
    font-size: 1.1rem;
    color: var(--text-white);
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 0.6rem;
    flex-shrink: 1;
    min-width: 0;
    text-decoration: none;
    overflow: hidden;
}

.logo-icon {
    width: 40px;
    height: 40px;
    min-width: 40px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
}

.logo-icon img {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.logo-text {
    display: none; /* hidden on small screens */
}

/* Desktop Nav Links */
.nav-links {
    display: none;
    gap: 2rem;
    list-style: none;
}

.nav-links a {
    text-decoration: none;
    color: var(--text-white);
    font-weight: 500;
    font-size: 0.9rem;
    position: relative;
    transition: color 0.3s ease;
    white-space: nowrap;
}

.nav-links a:hover {
    color: var(--accent);
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent);
    transition: width 0.3s ease;
}

.nav-links a:hover::after {
    width: 100%;
}

/* CTA Button */
.cta-button {
    background: var(--accent-dark);
    color: white;
    padding: 0.6rem 1.4rem;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 0.9rem;
    transition: all 0.3s ease;
    border: 2px solid var(--accent-dark);
    white-space: nowrap;
    flex-shrink: 0;
}

.cta-button:hover {
    background: transparent;
    color: var(--accent);
    transform: translateY(-2px);
}

.desktop-cta {
    display: none;
}

/* ============================================
   HAMBURGER BUTTON
   ============================================ */
.hamburger {
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    min-width: 44px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 8px;
    cursor: pointer;
    padding: 0;
    flex-shrink: 0;
    transition: background 0.3s ease;
    -webkit-tap-highlight-color: transparent;
    box-sizing: content-box;
}

.hamburger:hover {
    background: rgba(255,255,255,0.18);
}

.hamburger-line {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text-white);
    border-radius: 2px;
    transition: transform 0.35s cubic-bezier(.4,0,.2,1), opacity 0.25s ease, width 0.3s ease;
    transform-origin: center;
}

/* Hamburger → X animation */
.hamburger.active .hamburger-line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.hamburger.active .hamburger-line:nth-child(2) {
    opacity: 0;
    width: 0;
}
.hamburger.active .hamburger-line:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* ============================================
   MOBILE MENU DRAWER
   ============================================ */
.mobile-menu {
    display: block;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(.4,0,.2,1), padding 0.3s ease;
    background: var(--primary-light);
    border-top: 1px solid rgba(255,255,255,0.08);
}

.mobile-menu.open {
    max-height: 420px;
    padding-bottom: 1.5rem;
}

.mobile-nav-links {
    list-style: none;
    padding: 0.5rem 0;
}

.mobile-nav-links li {
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

.mobile-nav-link {
    display: block;
    padding: 0.95rem 1.8rem;
    color: var(--text-white);
    text-decoration: none;
    font-weight: 500;
    font-size: 1rem;
    transition: background 0.2s ease, color 0.2s ease, padding-left 0.2s ease;
}

.mobile-nav-link:hover,
.mobile-nav-link:active {
    background: rgba(255,255,255,0.08);
    color: var(--accent);
    padding-left: 2.2rem;
}

.mobile-cta {
    display: inline-block;
    margin: 1rem 1.8rem 0;
    text-align: center;
    padding: 0.8rem 2rem;
}

/* ============================================
   HERO SECTION
   ============================================ */
#home {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: calc(var(--nav-height) + 2rem) 1rem 3rem;
    background: linear-gradient(135deg, #f8fafc 0%, #e0e7ff 50%, #fef3c7 100%);
    position: relative;
    overflow: hidden;
    width: 100%;
    box-sizing: border-box;
}

#home::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(246, 194, 68, 0.15) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 20s ease-in-out infinite;
}

#home::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(30, 58, 95, 0.08) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 25s ease-in-out infinite reverse;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) rotate(0deg); }
    50% { transform: translate(-30px, 30px) rotate(180deg); }
}

.hero-container {
    max-width: 1400px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    align-items: center;
    position: relative;
    z-index: 1;
    width: 100%;
    box-sizing: border-box;
}

.hero-content h1 {
    font-family: 'Roboto', sans-serif;
    font-size: clamp(2.2rem, 8vw, 4.5rem);
    line-height: 1.1;
    color: var(--primary);
    margin-bottom: 1.5rem;
    animation: slideUp 0.8s ease-out;
}

.hero-content h4 {
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--accent-dark);
    margin-bottom: 0.4rem;
    margin-top: 1.2rem;
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(30px); }
    to   { opacity: 1; transform: translateY(0); }
}

.hero-content p {
    font-size: 1rem;
    color: var(--text-gray);
    margin-bottom: 1rem;
    max-width: 600px;
    animation: slideUp 0.8s ease-out 0.2s backwards;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-top: 1.5rem;
    animation: slideUp 0.8s ease-out 0.4s backwards;
    width: 100%;
}

.btn-primary {
    background: var(--primary);
    color: white;
    padding: 0.9rem 2rem;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1rem;
    transition: all 0.3s ease;
    border: 2px solid var(--primary);
    flex: 1 1 auto;
    text-align: center;
    min-width: 140px;
}

.btn-primary:hover {
    background: var(--primary-light);
    border-color: var(--primary-light);
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(30, 58, 95, 0.3);
}

.btn-secondary {
    background: transparent;
    color: var(--primary);
    padding: 0.9rem 2rem;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1rem;
    border: 2px solid var(--primary);
    transition: all 0.3s ease;
    flex: 1 1 auto;
    text-align: center;
    min-width: 140px;
}

.btn-secondary:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-3px);
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-top: 2.5rem;
}

.stat-item {
    text-align: center;
    padding: 0.8rem 0.3rem;
    background: white;
    border-radius: 12px;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease;
    min-width: 0;
    overflow: hidden;
}

.stat-item:hover {
    transform: translateY(-5px);
}

.stat-number {
    font-family: 'Space Mono', monospace;
    font-size: clamp(1.4rem, 5vw, 2.5rem);
    font-weight: 700;
    color: var(--accent);
    display: inline-block;
}

.stat-symbol {
    font-family: 'Space Mono', monospace;
    font-size: clamp(1.4rem, 5vw, 2.5rem);
    font-weight: 700;
    color: var(--accent);
    display: inline-block;
}

.stat-label {
    font-size: 0.78rem;
    color: var(--text-gray);
    margin-top: 0.4rem;
    line-height: 1.3;
    display: block;
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
    animation: slideUp 0.8s ease-out 0.6s backwards;
    order: -1; /* image on top on mobile */
    width: 100%;
}

.hero-image img {
    width: min(280px, 80vw);
    height: auto;
    aspect-ratio: 1 / 1;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
    display: block;
}

/* ============================================
   SECTION BASE STYLES
   ============================================ */
section {
    padding: 4rem 1.5rem;
    max-width: 1400px;
    margin: 0 auto;
}

.section-header {
    text-align: center;
    margin-bottom: 3rem;
}

.section-tag {
    font-family: 'Space Mono', monospace;
    color: var(--accent);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 0.8rem;
}

.section-title {
    font-family: 'Roboto', sans-serif;
    font-size: clamp(1.8rem, 6vw, 3rem);
    color: var(--primary);
    margin-bottom: 1rem;
    line-height: 1.2;
}

.section-subtitle {
    font-size: 1rem;
    color: var(--text-gray);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ============================================
   NEWS SECTION
   ============================================ */
#news {
    box-sizing: border-box;
    background: white;
    position: relative;
    max-width: 100%;
    padding: 4rem 0;
}

#news .section-header {
    padding: 0 1.5rem;
}

#news::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 100%;
    background-image: 
        linear-gradient(30deg, rgba(30, 58, 95, 0.02) 12%, transparent 12.5%, transparent 87%, rgba(30, 58, 95, 0.02) 87.5%),
        linear-gradient(60deg, rgba(246, 194, 68, 0.05) 25%, transparent 25.5%, transparent 75%, rgba(246, 194, 68, 0.05) 75%);
    background-size: 80px 140px;
    opacity: 0.4;
    pointer-events: none;
}

.news-carousel-container {
    position: relative;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 48px;
}

.news-grid {
    display: flex;
    gap: 1.5rem;
    overflow-x: scroll;
    overflow-y: hidden;
    scroll-behavior: auto;
    padding-bottom: 1rem;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.news-grid::-webkit-scrollbar {
    display: none;
    width: 0 !important;
    height: 0 !important;
}

.carousel-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: rgba(30, 58, 95, 0.85);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.2);
    width: 44px;
    height: 44px;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 100;
    transition: all 0.3s ease;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.3);
    -webkit-tap-highlight-color: transparent;
}

.carousel-arrow:hover {
    background: rgba(30, 58, 95, 0.95);
    transform: translateY(-50%) scale(1.1);
    border-color: rgba(246, 194, 68, 0.5);
}

.carousel-arrow:active {
    transform: translateY(-50%) scale(0.95);
}

.carousel-arrow-left { left: 4px; }
.carousel-arrow-right { right: 4px; }

.news-card {
    background: var(--bg-cream);
    border-radius: 16px;
    overflow: hidden;
    transition: all 0.3s ease;
    cursor: pointer;
    min-width: 300px;
    max-width: 300px;
    flex-shrink: 0;
}

.news-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
}

.news-image {
    width: 100%;
    height: 200px;
    background: linear-gradient(135deg, var(--primary-light), var(--primary));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 3rem;
    color: white;
    overflow: hidden;
    position: relative;
}

.news-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.news-card:hover .news-image img {
    transform: scale(1.05);
}

.news-icon-placeholder {
    font-size: 3rem;
    color: white;
}

.news-content {
    padding: 1.5rem;
}

.news-date {
    font-family: 'Space Mono', monospace;
    font-size: 0.8rem;
    color: var(--accent);
    margin-bottom: 0.6rem;
}

.news-title {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 0.6rem;
    line-height: 1.4;
}

.news-excerpt {
    color: var(--text-gray);
    font-size: 0.9rem;
    line-height: 1.6;
}

/* ============================================
   LOANS SECTION
   ============================================ */
#loans {
    background: linear-gradient(180deg, #f8fafc 0%, #fef9e7 100%);
    position: relative;
}

#loans::before {
    content: '';
    position: absolute;
    top: 20%; right: 10%;
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(246, 194, 68, 0.1) 0%, transparent 70%);
    filter: blur(60px);
    border-radius: 50%;
}

#loans::after {
    content: '';
    position: absolute;
    bottom: 10%; left: 5%;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(30, 58, 95, 0.06) 0%, transparent 70%);
    filter: blur(80px);
    border-radius: 50%;
}

.loans-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    position: relative;
    z-index: 1;
}

.loan-card {
    background: white;
    border-radius: 20px;
    padding: 2rem;
    border: 2px solid var(--border);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.loan-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 5px;
    background: linear-gradient(90deg, var(--accent), var(--accent-dark));
    transform: scaleX(0);
    transition: transform 0.3s ease;
    transform-origin: left;
}

.loan-card:hover::before { transform: scaleX(1); }

.loan-card:hover {
    border-color: var(--accent);
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
}

.loan-image {
    position: absolute;
    bottom: 1rem; right: 1rem;
    width: 100px; height: 100px;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    opacity: 0.9;
    transition: all 0.3s ease;
    z-index: 1;
}

.loan-image img { width: 100%; height: 100%; object-fit: cover; }
.loan-card:hover .loan-image { opacity: 1; transform: scale(1.05); }

.loan-icon {
    width: 56px; height: 56px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin-bottom: 1.2rem;
}

.loan-title {
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 0.8rem;
}

.loan-description {
    color: var(--text-gray);
    margin-bottom: 1.2rem;
    line-height: 1.7;
    font-size: 0.95rem;
}

.loan-features {
    list-style: none;
    margin-bottom: 1.2rem;
}

.loan-features li {
    padding: 0.4rem 0;
    color: var(--text-gray);
    position: relative;
    padding-left: 1.6rem;
    font-size: 0.9rem;
}

.loan-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}

.loan-rate {
    font-family: 'Space Mono', monospace;
    font-size: 0.85rem;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 1.2rem;
}

.learn-more {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--primary);
    font-weight: 600;
    text-decoration: none;
    transition: gap 0.3s ease;
    font-size: 0.95rem;
}

.learn-more:hover { gap: 1rem; }

/* ============================================
   SERVICES SECTION
   ============================================ */
#services {
    box-sizing: border-box;
    background: white;
    position: relative;
    max-width: 100%;
    padding: 4rem 1.5rem;
}

#services::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 100%;
    background-image: radial-gradient(circle, rgba(30, 58, 95, 0.04) 1px, transparent 1px);
    background-size: 30px 30px;
    opacity: 0.6;
    pointer-events: none;
}

#services::after {
    content: '';
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(246, 194, 68, 0.03) 0%, transparent 70%);
    filter: blur(100px);
    pointer-events: none;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.2rem;
    position: relative;
    z-index: 1;
    max-width: 1400px;
    margin: 0 auto;
}

.service-card {
    text-align: center;
    padding: 1.8rem 1rem;
    background: var(--bg-cream);
    border-radius: 16px;
    transition: all 0.3s ease;
}

.service-card:hover {
    background: white;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    transform: translateY(-5px);
}

.service-icon {
    width: 68px; height: 68px;
    background: linear-gradient(135deg, var(--accent), var(--accent-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    margin: 0 auto 1.2rem;
}

.service-title {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 0.6rem;
}

.service-description {
    font-size: 0.85rem;
    color: var(--text-gray);
    line-height: 1.6;
}

/* ============================================
   ABOUT SECTION
   ============================================ */
#about {
    box-sizing: border-box;
    background: var(--primary);
    color: white;
    max-width: 100%;
    padding: 4rem 1.5rem;
}

#about .section-tag { color: var(--accent); }
#about .section-title { color: white; }
#about .section-subtitle { color: rgba(255, 255, 255, 0.8); }

.about-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2.5rem;
    max-width: 1400px;
    margin: 0 auto;
}

.about-text {
    font-size: 1rem;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.9);
}

.about-text p { margin-bottom: 1.2rem; }

.about-values { display: grid; gap: 1.2rem; }

.value-item {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    padding: 1.3rem;
    border-radius: 12px;
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.value-title {
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 0.4rem;
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.value-description {
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    font-size: 0.9rem;
}

/* ============================================
   CONTACT SECTION
   ============================================ */
#contact {
    box-sizing: border-box;
    background: linear-gradient(135deg, #f0f7ff 0%, #fffbeb 100%);
    position: relative;
    max-width: 100%;
    padding: 4rem 1.5rem;
}

#contact::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 100%;
    background-image: 
        repeating-linear-gradient(45deg, transparent, transparent 35px, rgba(30, 58, 95, 0.02) 35px, rgba(30, 58, 95, 0.02) 70px),
        repeating-linear-gradient(-45deg, transparent, transparent 35px, rgba(246, 194, 68, 0.02) 35px, rgba(246, 194, 68, 0.02) 70px);
    pointer-events: none;
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
    background: white;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.1);
    max-width: 1000px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.contact-info {
    padding: 2.5rem 2rem;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: white;
}

.contact-info h3 {
    font-family: 'Roboto', sans-serif;
    font-size: 1.6rem;
    margin-bottom: 1.5rem;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.contact-icon {
    width: 44px; height: 44px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
}

.contact-details h4 {
    font-size: 1rem;
    margin-bottom: 0.2rem;
}

.contact-details p {
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    white-space: pre-line;
    font-size: 0.9rem;
}

.contact-form { padding: 2.5rem 2rem; }

.form-group { margin-bottom: 1.3rem; }

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 0.4rem;
    color: var(--text-dark);
    font-size: 0.9rem;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 0.8rem 1rem;
    border: 2px solid var(--border);
    border-radius: 8px;
    font-family: 'Roboto', sans-serif;
    font-size: 1rem;
    transition: border-color 0.3s ease;
    background: var(--bg-cream);
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    background: white;
}

.form-group textarea {
    resize: vertical;
    min-height: 110px;
}

.submit-btn {
    background: var(--accent);
    color: white;
    padding: 1rem 2rem;
    border: none;
    border-radius: 8px;
    font-weight: 600;
    font-size: 1rem;
    cursor: pointer;
    transition: all 0.3s ease;
    width: 100%;
    -webkit-tap-highlight-color: transparent;
}

.submit-btn:hover {
    background: var(--accent-dark);
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(212, 168, 47, 0.3);
}

/* ============================================
   FOOTER
   ============================================ */
footer {
    background: var(--text-dark);
    color: white;
    padding: 3rem 1.5rem 1.5rem;
}

.footer-container {
    max-width: 1400px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-about {
    grid-column: 1 / -1; /* Full width on mobile */
}

.footer-about h3 {
    font-family: 'Roboto', sans-serif;
    font-size: 1.2rem;
    margin-bottom: 0.8rem;
}

.footer-about p {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
    font-size: 0.9rem;
}

.footer-section h4 {
    font-size: 0.95rem;
    margin-bottom: 0.8rem;
    color: var(--accent);
}

.footer-links { list-style: none; }

.footer-links li { margin-bottom: 0.6rem; }

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: 0.9rem;
    transition: color 0.3s ease;
}

.footer-links a:hover { color: white; }

.footer-bottom {
    max-width: 1400px;
    margin: 0 auto;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.85rem;
}

/* ============================================
   SCROLL ANIMATION
   ============================================ */
.fade-in {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ============================================
   TABLET: 640px+
   ============================================ */
@media (min-width: 640px) {
    .logo-text { display: block; }

    .hero-image img { max-width: 320px; }

    .hero-image { order: 0; }

    .news-card {
        min-width: 340px;
        max-width: 340px;
    }

    .loans-grid { grid-template-columns: 1fr; }

    .services-grid { grid-template-columns: repeat(2, 1fr); }

    .contact-container { grid-template-columns: 1fr; }
}

/* ============================================
   TABLET LANDSCAPE / SMALL DESKTOP: 900px+
   ============================================ */
@media (min-width: 900px) {
    /* Show desktop nav, hide hamburger */
    .nav-links { display: flex; }
    .desktop-cta { display: inline-block; }
    .hamburger { display: none; }
    .mobile-menu { display: none; }

    .logo-text { display: block; }

    .hero-container {
        grid-template-columns: 1.2fr 1fr;
        gap: 4rem;
    }

    .hero-image {
        order: 0;
    }

    .hero-image img { max-width: 420px; }

    .hero-content h4 { margin-top: 1.5rem; }

    .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }

    section { padding: 5rem 2rem; }

    #news { padding: 5rem 0; }
    #services { padding: 5rem 2rem; }
    #about { padding: 5rem 2rem; }
    #contact { padding: 5rem 2rem; }

    .loans-grid { grid-template-columns: repeat(2, 1fr); }

    .services-grid { grid-template-columns: repeat(3, 1fr); }

    .about-content { grid-template-columns: 1fr 1fr; }

    .contact-container { grid-template-columns: 1fr 1fr; }

    .news-card {
        min-width: 360px;
        max-width: 360px;
    }

    .news-carousel-container { padding: 0 56px; }
}

/* ============================================
   FULL DESKTOP: 1200px+
   ============================================ */
@media (min-width: 1200px) {
    .nav-container { padding: 0 2rem; }

    .logo { font-size: 1.3rem; }

    .logo-icon { width: 50px; height: 50px; }

    section { padding: 6rem 2rem; }

    #news, #services, #about, #contact { padding: 6rem 2rem; }

    .hero-content p { font-size: 1.15rem; }

    .hero-stats { gap: 2rem; }

    .services-grid { grid-template-columns: repeat(4, 1fr); }

    .footer-container { grid-template-columns: 2fr 1fr 1fr 1fr; }

    .footer-about { grid-column: auto; }

    .news-card {
        min-width: 380px;
        max-width: 380px;
    }
}