/* =====================================================
   BATU MONEY LENDERS — Production CSS
   Theme: Deep Navy / Royal Blue / Teal  Microfinance
   ===================================================== */

/* ---------- CSS Custom Properties ---------- */
:root {
  --navy:        #0B1F3A;
  --navy-mid:    #0D2444;
  --navy-light:  #112B52;
  --navy-card:   #0F2347;
  --blue:        #1A56DB;
  --blue-light:  #3B74F0;
  --blue-dark:   #1244B8;
  --teal:        #0E9F8E;
  --teal-dark:   #0B8778;
  --white:       #FFFFFF;
  --off-white:   #E4EDF8;
  --muted:       #7A93BB;
  --danger:      #F04444;
  --success:     #0E9F8E;
  --warning:     #F59E0B;

  --font:        'Poppins', sans-serif;
  --radius-sm:   8px;
  --radius-md:   14px;
  --radius-lg:   22px;
  --radius-xl:   30px;

  --shadow-sm:   0 2px 14px rgba(26,86,219,0.14);
  --shadow-md:   0 8px 32px rgba(26,86,219,0.2);
  --shadow-lg:   0 16px 60px rgba(26,86,219,0.25);
  --shadow-glow: 0 0 48px rgba(26,86,219,0.4);

  --transition:  all 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
  --transition-fast: all 0.2s ease;
}

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

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

body {
  font-family: var(--font);
  background-color: var(--navy);
  color: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }
input, select, textarea { font-family: var(--font); }

/* ---------- Container ---------- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Section Helpers ---------- */
section { padding: 100px 0; }

.section-header {
  text-align: center;
  margin-bottom: 64px;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,86,219,0.15);
  border: 1px solid rgba(26,86,219,0.35);
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 50px;
  margin-bottom: 20px;
}

.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--white);
  margin-bottom: 20px;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.8;
}

.gradient-text {
  background: linear-gradient(135deg, var(--blue-light), var(--teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition);
  cursor: pointer;
  white-space: nowrap;
  border: 2px solid transparent;
}

.btn-primary {
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  color: var(--white);
  box-shadow: 0 4px 24px rgba(26,86,219,0.45);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--blue-light), var(--blue));
  box-shadow: 0 8px 40px rgba(26,86,219,0.65);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.3);
}
.btn-outline:hover {
  border-color: var(--blue);
  color: var(--blue-light);
  box-shadow: 0 4px 20px rgba(26,86,219,0.25);
  transform: translateY(-2px);
}

.btn-ghost {
  background: rgba(255,255,255,0.06);
  color: var(--off-white);
  border-color: rgba(255,255,255,0.1);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.25);
  transform: translateY(-2px);
}

.btn-lg { padding: 18px 36px; font-size: 1rem; }
.btn-full { width: 100%; }

/* ---------- Scroll Animation ---------- */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(36px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* =====================================================
   NAVBAR
   ===================================================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 18px 0;
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(11, 31, 58, 0.9);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(26,86,219,0.18);
  padding: 12px 0;
  box-shadow: 0 4px 32px rgba(0,0,0,0.45);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.logo-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--white);
  box-shadow: 0 4px 18px rgba(26,86,219,0.45);
}
.logo-text {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--white);
}
.logo-accent { color: var(--teal); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--off-white);
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
  opacity: 0.85;
}
.nav-link:hover,
.nav-link.active {
  color: var(--white);
  background: rgba(255,255,255,0.07);
  opacity: 1;
}

.nav-cta { flex-shrink: 0; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition-fast);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =====================================================
   HERO
   ===================================================== */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: radial-gradient(ellipse 100% 80% at 60% -10%, rgba(26,86,219,0.22) 0%, transparent 60%),
              linear-gradient(180deg, var(--navy) 0%, #070f1e 100%);
  padding-top: 90px;
}

.hero-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  pointer-events: none;
  animation: floatGlow 9s ease-in-out infinite;
}
.hero-glow-1 {
  width: 680px; height: 680px;
  background: radial-gradient(circle, rgba(26,86,219,0.22), transparent 70%);
  top: -220px; right: -180px;
  animation-delay: 0s;
}
.hero-glow-2 {
  width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(14,159,142,0.16), transparent 70%);
  bottom: -80px; left: -80px;
  animation-delay: -4s;
}
.hero-glow-3 {
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(26,86,219,0.13), transparent 70%);
  top: 45%; left: 38%;
  animation-delay: -7s;
}

@keyframes floatGlow {
  0%, 100% { transform: translateY(0) scale(1); }
  50%       { transform: translateY(-28px) scale(1.06); }
}

.hero-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 80px;
  padding: 60px 24px;
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(14,159,142,0.12);
  border: 1px solid rgba(14,159,142,0.32);
  color: var(--teal);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 7px 16px;
  border-radius: 50px;
  margin-bottom: 24px;
  letter-spacing: 0.04em;
}

.hero-headline {
  font-size: clamp(2.6rem, 5vw, 4.4rem);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
}

.hero-sub {
  font-size: 1.1rem;
  color: var(--muted);
  line-height: 1.9;
  margin-bottom: 32px;
  max-width: 500px;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 40px;
}
.badge-item {
  display: flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 50px;
  padding: 7px 16px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--off-white);
  transition: var(--transition-fast);
}
.badge-item i { color: var(--teal); font-size: 0.78rem; }
.badge-item:hover {
  border-color: rgba(14,159,142,0.4);
  background: rgba(14,159,142,0.08);
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

/* ---------- Hero Loan Card Visual ---------- */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  min-height: 460px;
}

.loan-card-wrapper {
  position: relative;
  width: 360px;
  height: 420px;
}

.loan-card-main {
  width: 320px;
  background: linear-gradient(140deg, #0e2d5c 0%, #0B1F3A 40%, #0d3d36 100%);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 22px;
  padding: 28px;
  position: absolute;
  left: 50%;
  top: 40px;
  transform: translateX(-50%);
  box-shadow: 0 24px 80px rgba(0,0,0,0.55);
  animation: cardFloat 4.5s ease-in-out infinite;
  z-index: 2;
}
.loan-card-main::before {
  content: '';
  position: absolute;
  inset: -2px;
  border-radius: 24px;
  background: linear-gradient(135deg, var(--blue), var(--teal), var(--blue-dark), var(--teal-dark));
  background-size: 300% 300%;
  animation: borderRotate 5s linear infinite;
  z-index: -1;
}

@keyframes cardFloat {
  0%, 100% { transform: translateX(-50%) translateY(0) rotate(-1deg); }
  50%       { transform: translateX(-50%) translateY(-14px) rotate(-1deg); }
}
@keyframes borderRotate {
  0%   { background-position: 0% 50%; }
  50%  { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

.loan-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 28px;
}
.loan-card-logo {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.82rem;
  font-weight: 700;
  opacity: 0.9;
}
.loan-card-logo i { color: var(--teal); font-size: 1rem; }

.loan-status {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 50px;
}
.loan-status.approved {
  background: rgba(14,159,142,0.18);
  border: 1px solid rgba(14,159,142,0.4);
  color: var(--teal);
}
.loan-status.approved i { font-size: 0.7rem; }

.loan-card-amount-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.5);
  margin-bottom: 6px;
}
.loan-card-amount {
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
  background: linear-gradient(135deg, var(--white) 60%, var(--teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.loan-card-details {
  display: flex;
  gap: 16px;
}
.loan-detail { flex: 1; }
.detail-label {
  font-size: 0.6rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.45);
  display: block;
  margin-bottom: 3px;
}
.detail-value {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--white);
}

/* Floating Widgets */
.float-widget {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(11, 31, 58, 0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px;
  padding: 12px 16px;
  min-width: 170px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.45);
  animation: widgetFloat 3.2s ease-in-out infinite;
  z-index: 3;
}
.widget-time     { top: 0; right: -20px; animation-delay: -1.2s; }
.widget-disburse { bottom: 100px; left: -30px; animation-delay: -2.5s; }
.widget-rate     { bottom: 30px; right: 10px; animation-delay: -0.6s; }

@keyframes widgetFloat {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-7px); }
}

.widget-icon {
  width: 36px; height: 36px;
  background: rgba(26,86,219,0.22);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem;
  color: var(--blue-light);
  flex-shrink: 0;
}
.widget-icon.success { background: rgba(14,159,142,0.2); color: var(--teal); }
.widget-icon.notify  { background: rgba(245,158,11,0.2); color: var(--warning); }

.widget-label { font-size: 0.65rem; color: var(--muted); display: block; }
.widget-value { font-size: 0.88rem; font-weight: 700; display: block; }
.widget-value.success { color: var(--teal); }
.widget-value.notify  { color: var(--warning); }

/* Scroll Indicator */
.scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  width: 24px; height: 40px;
  border: 2px solid rgba(255,255,255,0.22);
  border-radius: 12px;
  display: flex;
  justify-content: center;
  padding-top: 6px;
}
.scroll-dot {
  width: 4px; height: 8px;
  background: var(--blue-light);
  border-radius: 2px;
  animation: scrollBounce 2s ease-in-out infinite;
}
@keyframes scrollBounce {
  0%, 100% { transform: translateY(0); opacity: 1; }
  50%       { transform: translateY(10px); opacity: 0.35; }
}

/* =====================================================
   STATS SECTION
   ===================================================== */
.stats-section {
  padding: 80px 0;
  background: linear-gradient(180deg, transparent, rgba(26,86,219,0.05), transparent);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat-card {
  text-align: center;
  padding: 40px 24px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.stat-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,86,219,0.07), transparent);
  opacity: 0;
  transition: var(--transition);
}
.stat-card:hover { transform: translateY(-6px); border-color: rgba(26,86,219,0.3); }
.stat-card:hover::after { opacity: 1; }

.stat-icon {
  width: 58px; height: 58px;
  background: linear-gradient(135deg, rgba(26,86,219,0.22), rgba(14,159,142,0.18));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  color: var(--blue-light);
  margin: 0 auto 20px;
}
.stat-number {
  font-size: 2.6rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  background: linear-gradient(135deg, var(--white), var(--teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 0.88rem;
  color: var(--muted);
  font-weight: 500;
}

/* =====================================================
   SERVICES SECTION
   ===================================================== */
.services-section {
  background: radial-gradient(ellipse 70% 50% at 50% 50%, rgba(26,86,219,0.07), transparent);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: rgba(13,36,68,0.85);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  backdrop-filter: blur(10px);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--blue), var(--teal), transparent);
  opacity: 0;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-8px);
  border-color: rgba(26,86,219,0.32);
  box-shadow: 0 20px 60px rgba(26,86,219,0.22);
}
.service-card:hover::before { opacity: 1; }

.service-icon {
  width: 62px; height: 62px;
  background: linear-gradient(135deg, rgba(26,86,219,0.2), rgba(14,159,142,0.16));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.65rem;
  color: var(--blue-light);
  margin-bottom: 24px;
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--blue), var(--teal));
  color: var(--white);
  box-shadow: 0 8px 24px rgba(26,86,219,0.45);
}
.service-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--white);
}
.service-card p {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.78;
  margin-bottom: 22px;
}
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue-light);
  transition: var(--transition-fast);
}
.service-link:hover { gap: 10px; color: var(--teal); }

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-it-works {
  background: var(--navy-mid);
  position: relative;
  overflow: hidden;
}
.how-it-works::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 100%, rgba(26,86,219,0.09), transparent);
  pointer-events: none;
}

.steps-container {
  position: relative;
  margin-bottom: 56px;
}

.steps-track {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 0;
  padding-top: 16px;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  padding: 0 16px;
}

.step-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 82px;
  color: var(--blue-light);
  font-size: 1.2rem;
  opacity: 0.45;
}

.step-number-badge {
  font-size: 0.7rem;
  font-weight: 800;
  color: var(--blue-light);
  letter-spacing: 0.1em;
  margin-bottom: 14px;
  background: rgba(26,86,219,0.15);
  border: 1px solid rgba(26,86,219,0.3);
  padding: 4px 12px;
  border-radius: 50px;
}
.step-connector { display: none; }

.step-icon-wrap {
  width: 70px; height: 70px;
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  color: var(--white);
  margin-bottom: 22px;
  box-shadow: 0 8px 32px rgba(26,86,219,0.5);
  border: 3px solid rgba(255,255,255,0.1);
  transition: var(--transition);
}
.step-item:hover .step-icon-wrap {
  background: linear-gradient(135deg, var(--teal-dark), var(--teal));
  box-shadow: 0 8px 32px rgba(14,159,142,0.5);
  transform: scale(1.08);
}
.step-content h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--white);
}
.step-content p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.78;
}

.hiw-cta {
  text-align: center;
}

/* =====================================================
   SECURITY SECTION
   ===================================================== */
.security-section {
  background: linear-gradient(180deg, var(--navy-mid), #060e1c);
  position: relative;
  overflow: hidden;
}
.security-glow {
  position: absolute;
  width: 800px; height: 400px;
  background: radial-gradient(ellipse, rgba(26,86,219,0.13), transparent 70%);
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  pointer-events: none;
}

.security-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.security-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(26,86,219,0.18);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: var(--transition);
  backdrop-filter: blur(10px);
}
.security-card:hover {
  transform: translateY(-7px);
  border-color: rgba(26,86,219,0.38);
  background: rgba(26,86,219,0.09);
  box-shadow: 0 16px 52px rgba(26,86,219,0.22);
}
.security-icon {
  width: 68px; height: 68px;
  background: linear-gradient(135deg, rgba(26,86,219,0.26), rgba(14,159,142,0.18));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.7rem;
  color: var(--teal);
  margin: 0 auto 22px;
  transition: var(--transition);
}
.security-card:hover .security-icon {
  background: linear-gradient(135deg, var(--blue), var(--teal));
  color: var(--white);
  box-shadow: 0 8px 24px rgba(14,159,142,0.38);
}
.security-card h3 {
  font-size: 1.08rem;
  font-weight: 700;
  margin-bottom: 14px;
}
.security-card p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.78;
  margin-bottom: 18px;
}
.security-tag {
  display: inline-flex;
  align-items: center;
  background: rgba(14,159,142,0.12);
  border: 1px solid rgba(14,159,142,0.28);
  color: var(--teal);
  font-size: 0.7rem;
  font-weight: 600;
  padding: 5px 14px;
  border-radius: 50px;
  letter-spacing: 0.05em;
}

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials-section {
  background: linear-gradient(180deg, var(--navy), var(--navy-mid));
}
.testimonials-carousel-wrapper { position: relative; }
.testimonials-carousel {
  display: flex;
  overflow: hidden;
  position: relative;
}
.testimonial-card {
  background: rgba(13,36,68,0.9);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-xl);
  padding: 36px;
  flex: 0 0 100%;
  min-width: 0;
  transition: var(--transition);
  backdrop-filter: blur(10px);
  box-sizing: border-box;
}
.testimonial-card:hover {
  border-color: rgba(26,86,219,0.28);
}

.testimonial-rating { display: flex; gap: 3px; margin-bottom: 18px; }
.testimonial-rating i { color: var(--warning); font-size: 0.88rem; }

blockquote {
  font-size: 0.96rem;
  color: var(--off-white);
  line-height: 1.88;
  margin-bottom: 26px;
  font-style: italic;
  border-left: 3px solid var(--blue);
  padding-left: 18px;
}

.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.92rem;
  font-weight: 800;
  flex-shrink: 0;
}
.author-name  { font-size: 0.94rem; font-weight: 700; color: var(--white); }
.author-title { font-size: 0.78rem; color: var(--muted); margin-top: 3px; }

.carousel-controls {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  margin-top: 36px;
}
.carousel-btn {
  width: 46px; height: 46px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 50%;
  color: var(--white);
  font-size: 0.95rem;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition-fast);
}
.carousel-btn:hover {
  background: rgba(26,86,219,0.22);
  border-color: var(--blue);
  color: var(--blue-light);
}
.carousel-dots { display: flex; gap: 8px; align-items: center; }
.dot {
  width: 9px; height: 9px;
  background: rgba(255,255,255,0.22);
  border-radius: 50%;
  transition: var(--transition-fast);
  cursor: pointer;
  border: none;
}
.dot.active {
  background: var(--blue);
  width: 26px;
  border-radius: 5px;
  box-shadow: 0 0 12px rgba(26,86,219,0.65);
}

/* =====================================================
   CONTACT SECTION
   ===================================================== */
.contact-section {
  background: linear-gradient(180deg, var(--navy-mid), var(--navy));
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

/* Form */
.contact-form-wrapper {
  background: rgba(13,36,68,0.85);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-xl);
  padding: 42px;
  backdrop-filter: blur(12px);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--off-white);
  margin-bottom: 8px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  color: var(--white);
  padding: 14px 16px;
  font-size: 0.9rem;
  transition: var(--transition-fast);
  resize: none;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(122,147,187,0.65); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.18);
  background: rgba(26,86,219,0.06);
}
.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: var(--danger);
  box-shadow: 0 0 0 3px rgba(240,68,68,0.16);
}
.field-error { font-size: 0.78rem; color: var(--danger); margin-top: 6px; display: block; }
.form-group select { -webkit-appearance: none; appearance: none; cursor: pointer; }
.form-group select option { background: var(--navy-mid); color: var(--white); }

.form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(14,159,142,0.12);
  border: 1px solid rgba(14,159,142,0.3);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  color: var(--teal);
  font-weight: 600;
  font-size: 0.9rem;
  margin-top: 16px;
}

/* Contact Info */
.contact-info-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.contact-method {
  display: flex;
  gap: 18px;
  padding: 24px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}
.contact-method:hover {
  border-color: rgba(26,86,219,0.22);
  background: rgba(26,86,219,0.04);
}
.contact-method-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, rgba(26,86,219,0.22), rgba(14,159,142,0.16));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--blue-light);
  flex-shrink: 0;
}
.contact-method-details h3 { font-size: 0.96rem; font-weight: 700; margin-bottom: 4px; }
.contact-method-details p { font-size: 0.83rem; color: var(--muted); margin-bottom: 8px; line-height: 1.6; }
.contact-link { font-size: 0.86rem; font-weight: 600; color: var(--blue-light); transition: var(--transition-fast); }
.contact-link:hover { color: var(--teal); }

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
  background: #040b17;
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 80px 0 0;
  position: relative;
  overflow: hidden;
}
.footer-glow {
  position: absolute;
  width: 600px; height: 300px;
  background: radial-gradient(ellipse, rgba(26,86,219,0.09), transparent 70%);
  top: 0; left: 50%; transform: translateX(-50%);
  pointer-events: none;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-logo-link { margin-bottom: 18px; display: inline-flex; }
.footer-tagline {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.88;
  margin-bottom: 26px;
  max-width: 300px;
}

.social-links { display: flex; gap: 10px; }
.social-link {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--muted);
  font-size: 0.88rem;
  transition: var(--transition-fast);
}
.social-link:hover {
  background: rgba(26,86,219,0.22);
  border-color: var(--blue);
  color: var(--blue-light);
  transform: translateY(-3px);
}

.footer-col-title {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white);
  margin-bottom: 22px;
}
.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-links a {
  font-size: 0.88rem;
  color: var(--muted);
  transition: var(--transition-fast);
  display: flex;
  align-items: center;
  gap: 7px;
}
.footer-links a:hover { color: var(--white); padding-left: 4px; }
.footer-links a i { font-size: 0.75rem; color: var(--blue-light); flex-shrink: 0; }

.hiring-badge {
  font-size: 0.65rem;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  color: var(--white);
  padding: 2px 8px;
  border-radius: 50px;
  font-weight: 700;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 28px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-compliance p { font-size: 0.82rem; color: var(--muted); margin-bottom: 8px; }
.compliance-text {
  font-size: 0.72rem !important;
  color: rgba(122,147,187,0.6) !important;
  line-height: 1.82;
  max-width: 680px;
}
.compliance-text i { margin-right: 4px; color: var(--blue-light); }

.footer-certs { display: flex; gap: 8px; flex-shrink: 0; align-items: flex-start; flex-wrap: wrap; }
.cert-tag {
  display: flex;
  align-items: center;
  gap: 5px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 6px 13px;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--muted);
}
.cert-tag i { color: var(--teal); }

/* =====================================================
   BACK TO TOP
   ===================================================== */
.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  border-radius: 50%;
  color: var(--white);
  font-size: 1rem;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 32px rgba(26,86,219,0.55);
  opacity: 0;
  transform: translateY(20px);
  transition: var(--transition);
  z-index: 999;
  pointer-events: none;
}
.back-to-top.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.back-to-top:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(26,86,219,0.75);
}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1100px) {
  .stats-grid    { grid-template-columns: repeat(2, 1fr); }
  .security-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .footer-grid   { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 900px) {
  section { padding: 72px 0; }

  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }

  /* Mobile Menu */
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(7, 15, 30, 0.97);
    backdrop-filter: blur(24px);
    justify-content: center;
    align-items: center;
    gap: 8px;
    z-index: 999;
  }
  .nav-links.open .nav-link {
    font-size: 1.3rem;
    padding: 14px 28px;
    width: 100%;
    text-align: center;
  }
  .nav-links.open + .nav-cta {
    display: flex;
    position: fixed;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 1000;
  }

  .hero-container {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 48px;
  }
  .hero-sub { max-width: 100%; }
  .trust-badges { justify-content: center; }
  .hero-ctas { justify-content: center; }
  .loan-card-wrapper { width: 300px; height: 380px; }
  .loan-card-main { width: 280px; padding: 22px; }
  .widget-time     { right: -15px; }
  .widget-disburse { left: -15px; }

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

  /* Steps layout on tablet: single column */
  .steps-track {
    grid-template-columns: 1fr;
    max-width: 360px;
    margin: 0 auto;
  }
  .step-arrow { display: none; }
  .step-item { margin-bottom: 32px; }
}

@media (max-width: 600px) {
  .hero-headline { font-size: 2.4rem; }
  .stats-grid     { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .security-grid  { grid-template-columns: 1fr; }
  .services-grid  { grid-template-columns: 1fr; }
  .footer-grid    { grid-template-columns: 1fr; }
  .form-row       { grid-template-columns: 1fr; }
  .hero-ctas      { flex-direction: column; align-items: center; }
  .loan-card-wrapper { display: none; }
  .footer-bottom  { flex-direction: column; }
  .contact-form-wrapper { padding: 28px 22px; }
}

/* =====================================================
   PRELOADER
   ===================================================== */
#preloader { position:fixed; top:0; left:0; width:100%; height:100%; background:#0B1F3A; display:flex; align-items:center; justify-content:center; z-index:9999; transition:opacity 0.5s; }
#preloader.hidden { opacity:0; pointer-events:none; }
.spinner { border:4px solid rgba(255,255,255,0.1); border-top:4px solid #1A56DB; border-radius:50%; width:50px; height:50px; animation:spin 0.8s linear infinite; }
@keyframes spin { to{transform:rotate(360deg)} }

/* =====================================================
   HERO CANVAS (Three.js)
   ===================================================== */
#hero-canvas { position:absolute; top:0; left:0; width:100%; height:100%; z-index:1; pointer-events:none; }
.hero { position:relative; overflow:hidden; }
.hero > .hero-content { position:relative; z-index:2; }

/* =====================================================
   WHATSAPP FLOAT BUTTON
   ===================================================== */
.whatsapp-float { position:fixed; width:60px; height:60px; bottom:30px; right:30px; background:#25D366; color:#fff; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:28px; box-shadow:2px 2px 12px rgba(0,0,0,0.3); z-index:1000; text-decoration:none; animation:wapulse 2s infinite; }
.whatsapp-float:hover { transform:scale(1.1); background:#128C7E; }
@keyframes wapulse { 0%{box-shadow:0 0 0 0 rgba(37,211,102,0.7)} 70%{box-shadow:0 0 0 12px rgba(37,211,102,0)} 100%{box-shadow:0 0 0 0 rgba(37,211,102,0)} }
@media(max-width:768px){ .whatsapp-float{width:50px;height:50px;bottom:20px;right:20px;font-size:24px;} }

/* =====================================================
   ABOUT SECTION
   ===================================================== */
.about-section { padding: 100px 0; background: #0B1F3A; }
.about-wrapper { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-visual { position: relative; }
.geo-composition { position: relative; width: 100%; height: 380px; display: flex; align-items: center; justify-content: center; }
.geo-shape { position: absolute; border-radius: 18px; }
.geo-s1 { width: 140px; height: 140px; background: linear-gradient(135deg, #1A56DB, #0E9F8E); top: 10%; left: 5%; opacity: 0.85; animation: geoFloat 6s ease-in-out infinite 0s; }
.geo-s2 { width: 90px;  height: 90px;  background: linear-gradient(135deg, #0E9F8E, #7B2FBE); top: 55%; left: 18%; border-radius: 50%; opacity: 0.7; animation: geoFloat 6s ease-in-out infinite 1s; }
.geo-s3 { width: 110px; height: 110px; background: linear-gradient(135deg, #7B2FBE, #1A56DB); top: 20%; right: 10%; opacity: 0.65; animation: geoFloat 6s ease-in-out infinite 2s; }
.geo-s4 { width: 75px;  height: 75px;  background: linear-gradient(135deg, #1A56DB, #0E9F8E); bottom: 18%; right: 22%; border-radius: 50%; opacity: 0.75; animation: geoFloat 6s ease-in-out infinite 1.5s; }
.geo-center-icon { width: 140px; height: 140px; background: rgba(26,86,219,0.15); backdrop-filter: blur(12px); border: 1px solid rgba(26,86,219,0.3); border-radius: 28px; display: flex; align-items: center; justify-content: center; position: relative; z-index: 5; box-shadow: 0 24px 60px rgba(0,0,0,0.4); }
.geo-center-icon i { font-size: 64px; background: linear-gradient(135deg, #1A56DB, #0E9F8E); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.geo-badge { position: absolute; bottom: 30px; right: 20px; background: rgba(14,159,142,0.2); backdrop-filter: blur(8px); border: 1px solid rgba(14,159,142,0.4); border-radius: 14px; padding: 12px 20px; text-align: center; z-index: 6; }
.geo-badge-num { display: block; font-size: 1.6rem; font-weight: 700; color: #0E9F8E; line-height: 1; }
.geo-badge-label { display: block; font-size: 0.75rem; color: rgba(255,255,255,0.7); margin-top: 2px; }
@keyframes geoFloat { 0%,100%{transform:translateY(0) rotate(0deg)} 33%{transform:translateY(-22px) rotate(4deg)} 66%{transform:translateY(14px) rotate(-4deg)} }
.about-content p { color: rgba(255,255,255,0.75); line-height: 1.8; margin-bottom: 1rem; }
.about-highlights-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 1.5rem 0 2rem; }
.about-highlight-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.85); font-size: 0.9rem; }
.about-highlight-item i { color: #0E9F8E; font-size: 1rem; }
@media(max-width:900px){ .about-wrapper{grid-template-columns:1fr;gap:40px} .geo-composition{height:280px} }

/* ── ANIMATED AVATAR RINGS ───────────────────────────────── */
.author-avatar, .testi-avatar, .team-photo, .agent-avatar { position: relative; }
.author-avatar::after, .testi-avatar::after, .team-photo::after, .agent-avatar::after { content:''; position:absolute; inset:-5px; border-radius:50%; border:2px solid #1A56DB; opacity:0; animation:ring-pulse 2.5s ease-in-out infinite; }
@keyframes ring-pulse { 0%,100%{transform:scale(1);opacity:0.5} 50%{transform:scale(1.12);opacity:0} }

/* ── HERO ANIMATED ICON ──────────────────────────────────── */
.hero-icon-animated {
  width: 110px; height: 110px;
  background: linear-gradient(135deg, rgba(255,255,255,.18), rgba(255,255,255,.05));
  backdrop-filter: blur(10px); border-radius: 28px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.8rem; animation: heroFloat 4s ease-in-out infinite;
  box-shadow: 0 20px 50px rgba(0,0,0,.35); border: 1.5px solid rgba(255,255,255,.15);
}
.hero-icon-animated i { font-size: 54px; color: #fff; animation: hiPulse 3s ease-in-out infinite; }
@keyframes heroFloat { 0%,100%{transform:translateY(0) rotate(0deg)} 50%{transform:translateY(-18px) rotate(4deg)} }
@keyframes hiPulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.82;transform:scale(1.1)} }

/* ── STAT ICON WRAPPER ───────────────────────────────────── */
.stat-icon-wrapper {
  width: 68px; height: 68px; background: rgba(255,255,255,.12); backdrop-filter: blur(8px);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto .75rem; animation: siBounce 2.2s ease-in-out infinite;
}
.stat-icon-wrapper .stat-icon { background: none !important; width: auto !important; height: auto !important; box-shadow: none !important; border: none !important; }
@keyframes siBounce { 0%,100%{transform:scale(1)} 50%{transform:scale(1.15)} }

/* ── GRADIENT SERVICE CARDS ──────────────────────────────── */
.service-card {
  position: relative; min-height: 300px; border-radius: 24px;
  padding: 2.8rem 2rem 2rem; overflow: hidden; cursor: pointer;
  transition: transform .4s cubic-bezier(.4,0,.2,1), box-shadow .4s;
  border: 1px solid rgba(255,255,255,.08);
  display: flex; flex-direction: column; align-items: flex-start; background: transparent;
}
.card-gradient-bg { position: absolute; inset: 0; z-index: 1; transition: transform .4s; border-radius: 24px; }
.service-card:hover .card-gradient-bg { transform: scale(1.06); }
.card-grad-1 { background: linear-gradient(135deg,#0B1F3A 0%,#1A3A6B 55%,#1A56DB 100%); }
.card-grad-2 { background: linear-gradient(135deg,#0B2A3A 0%,#0E4A6B 55%,#0E9F8E 100%); }
.card-grad-3 { background: linear-gradient(135deg,#1A0B3A 0%,#2E1A6B 55%,#7B2FBE 100%); }
.card-grad-4 { background: linear-gradient(135deg,#0B1F3A 0%,#1B3A6B 55%,#0E9F8E 100%); }
.card-grad-5 { background: linear-gradient(135deg,#0B3A2A 0%,#0E6B4A 55%,#1A56DB 100%); }
.card-grad-6 { background: linear-gradient(135deg,#1A1A0B 0%,#3A3A1A 55%,#1A56DB 100%); }
.service-icon-container {
  position: relative; z-index: 3; width: 76px; height: 76px;
  margin-bottom: 1.6rem; animation: scFloat 3.2s ease-in-out infinite;
}
.service-icon-container i { font-size: 58px; color: rgba(255,255,255,.92); display: block; animation: scGlow 2.4s ease-in-out infinite; }
@keyframes scFloat { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-13px)} }
@keyframes scGlow { 0%,100%{filter:drop-shadow(0 0 8px rgba(255,255,255,.25));opacity:1} 50%{filter:drop-shadow(0 0 18px rgba(255,255,255,.55));opacity:.9} }
.service-badge {
  position: relative; z-index: 3; background: linear-gradient(135deg,#1A56DB,#0E9F8E);
  color: #fff; padding: .6rem 1.3rem; border-radius: 8px; font-weight: 700;
  font-size: .82rem; letter-spacing: .8px; text-transform: uppercase;
  display: inline-block; box-shadow: 0 4px 14px rgba(26,86,219,.4); margin-bottom: .8rem;
}
.service-description { position: relative; z-index: 3; color: rgba(255,255,255,.82); line-height: 1.65; font-size: .93rem; flex: 1; }
.service-link-card {
  position: relative; z-index: 3; color: rgba(255,255,255,.75); font-size: .88rem;
  text-decoration: none; display: inline-flex; align-items: center; gap: .4rem;
  margin-top: 1.2rem; transition: color .3s, gap .3s;
}
.service-link-card:hover { color: #0E9F8E; gap: .7rem; }
.service-card:hover { transform: translateY(-10px); box-shadow: 0 32px 64px rgba(0,0,0,.45); }

/* ============================================================
   ENHANCED HERO — Constellation overlay + trust badges (batu-money)
   ============================================================ */

.hero-constellation-bm {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
  z-index: 1;
}
.hero-constellation-bm .constellation-icon {
  position: absolute;
  width: 48px;
  height: 48px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(99,102,241,0.25);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  backdrop-filter: blur(6px);
}
.bm-ci-1 { top: 12%; left: 3%;  color: #a78bfa; animation: bmfloat1 7s ease-in-out infinite; }
.bm-ci-2 { top: 55%; left: 5%;  color: #60a5fa; animation: bmfloat2 9s ease-in-out infinite; }
.bm-ci-3 { top: 80%; left: 15%; color: #34d399; animation: bmfloat3 8s ease-in-out infinite; }
.bm-ci-4 { top: 10%; right: 3%; color: #fbbf24; animation: bmfloat2 8.5s ease-in-out infinite; }
.bm-ci-5 { top: 50%; right: 4%; color: #f472b6; animation: bmfloat1 10s ease-in-out infinite; }
.bm-ci-6 { top: 80%; right: 14%;color: #4ade80; animation: bmfloat3 11s ease-in-out infinite; }

@keyframes bmfloat1 {
  0%,100% { transform: translateY(0) rotate(0deg); }
  50%      { transform: translateY(-16px) rotate(8deg); }
}
@keyframes bmfloat2 {
  0%,100% { transform: translateY(0) rotate(0deg); }
  50%      { transform: translateY(-22px) rotate(-7deg); }
}
@keyframes bmfloat3 {
  0%,100% { transform: translateY(0); }
  33%      { transform: translateY(-12px) rotate(5deg); }
  66%      { transform: translateY(-7px) rotate(-4deg); }
}

.hero-trust-badges-bm {
  display: flex;
  gap: 0.7rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.trust-badge-item-bm {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(99,102,241,0.3);
  border-radius: 50px;
  padding: 0.35rem 0.9rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.9);
  backdrop-filter: blur(8px);
  white-space: nowrap;
}
.trust-badge-item-bm i { color: #818cf8; font-size: 0.8rem; }

/* Fallback: if the AOS library fails to load, never leave content hidden */
.no-aos [data-aos] { opacity: 1 !important; transform: none !important; }

/* ===== ACCESSIBILITY ===== */
.skip-link {
  position: fixed; top: -48px; left: 12px; z-index: 100000;
  background: #1A56DB; color: #fff; padding: 10px 18px; border-radius: 0 0 8px 8px;
  font-weight: 700; text-decoration: none; transition: top .2s;
}
.skip-link:focus { top: 0; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid #93c5fd; outline-offset: 3px;
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important; animation-iteration-count: 1 !important;
    transition-duration: .001ms !important; scroll-behavior: auto !important;
  }
  [data-aos] { opacity: 1 !important; transform: none !important; }
  #cursor-glow, .sifo-orb, .sifo-hero-rings, .sifo-scan-line { display: none !important; }
}

/* ===== WHO WE SERVE ===== */
.clients-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 1040px; margin: 0 auto; }
.client-card { position: relative; margin: 0; border-radius: 18px; overflow: hidden; aspect-ratio: 4 / 5; background: #0b1020; border: 1px solid rgba(255,255,255,.08); }
.client-card img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .6s ease; }
.client-card:hover img { transform: scale(1.04); }
.client-card figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 56px 20px 20px; background: linear-gradient(to top, rgba(4,6,14,.94) 25%, rgba(4,6,14,0)); }
.client-card figcaption h3 { color: #fff; font-size: 1.15rem; margin-bottom: 4px; }
.client-card figcaption p { color: #d6dcf0; font-size: .92rem; line-height: 1.5; margin: 0; }
.clients-note { text-align: center; color: #a8b3cf; font-size: .82rem; margin-top: 22px; }
@media (max-width: 900px) { .clients-grid { grid-template-columns: 1fr; max-width: 420px; } }
.form-note { color: #a8b3cf; font-size: .82rem; line-height: 1.55; margin-top: 14px; }
.form-note a { color: #93c5fd; text-decoration: underline; }
.compliance-text { color: #a8b3cf !important; }
.detail-label { color: rgba(255,255,255,.68) !important; }
.step-number-badge { color: #8fb4ff !important; }

/* ===== TAP TARGETS (44px) ===== */
.hamburger { min-width: 44px; min-height: 44px; }
a.service-link-card, a.contact-link, .footer-links a, .footer-legal-links a, .form-note a { display: inline-flex; align-items: center; min-height: 44px; }
.social-link { width: 44px; height: 44px; }

/* ===== BATU ATM (About illustration) ===== */
.atm-scene { position: relative; width: 100%; max-width: 380px; height: 420px; margin: 0 auto; }
.atm-glow { position: absolute; left: 50%; top: 45%; width: 340px; height: 340px; transform: translate(-50%, -50%); background: radial-gradient(circle, rgba(192,132,252,.28), rgba(236,72,153,.1) 45%, transparent 70%); animation: atmGlow 4s ease-in-out infinite; }
@keyframes atmGlow { 0%,100% { opacity: .7; } 50% { opacity: 1; } }
.atm { position: absolute; left: 50%; top: 8px; width: 230px; height: 316px; transform: translateX(-50%); border-radius: 22px; padding: 12px 14px; background: linear-gradient(160deg, #2f2480, #15103d 70%); border: 1px solid rgba(192,132,252,.45); box-shadow: 0 30px 70px rgba(0,0,0,.55), 0 0 40px rgba(124,58,237,.35), inset 0 1px 0 rgba(255,255,255,.12); }
.atm-top { display: flex; align-items: center; gap: 8px; color: #e9d5ff; font-weight: 700; font-size: 11px; letter-spacing: .18em; }
.atm-top img { border-radius: 5px; background: #fff; }
.atm-led { margin-left: auto; width: 8px; height: 8px; border-radius: 50%; background: #34d399; box-shadow: 0 0 10px #34d399; animation: atmBlink 1.6s ease-in-out infinite; }
@keyframes atmBlink { 0%,100% { opacity: 1; } 50% { opacity: .35; } }
.atm-screen { position: relative; margin-top: 10px; height: 78px; border-radius: 10px; background: linear-gradient(160deg, #052e2b, #0b1f3a); border: 1px solid rgba(45,212,191,.45); box-shadow: inset 0 0 22px rgba(45,212,191,.25); overflow: hidden; }
.atm-screen::after { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(0deg, rgba(255,255,255,.04) 0 1px, transparent 1px 3px); pointer-events: none; }
.atm-screen .st { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; color: #99f6e4; font-size: 15px; font-weight: 600; opacity: 0; animation: atmState 9s infinite; }
.atm-screen .st em { font-style: normal; display: inline-block; width: 1.2em; text-align: left; animation: atmDots 1s steps(4) infinite; overflow: hidden; }
@keyframes atmDots { from { width: 0; } to { width: 1.2em; } }
.atm-screen .st1 { animation-name: atmS1; } .atm-screen .st2 { animation-name: atmS2; } .atm-screen .st3 { animation-name: atmS3; color: #fde68a; } .atm-screen .st4 { animation-name: atmS4; color: #bbf7d0; }
@keyframes atmS1 { 0%,2% { opacity: 0; } 5%,20% { opacity: 1; } 24%,100% { opacity: 0; } }
@keyframes atmS2 { 0%,22% { opacity: 0; } 26%,42% { opacity: 1; } 46%,100% { opacity: 0; } }
@keyframes atmS3 { 0%,44% { opacity: 0; } 48%,66% { opacity: 1; } 70%,100% { opacity: 0; } }
@keyframes atmS4 { 0%,68% { opacity: 0; } 72%,92% { opacity: 1; } 96%,100% { opacity: 0; } }
.atm-panel { display: flex; justify-content: space-between; align-items: flex-start; margin-top: 12px; }
.atm-keys { display: grid; grid-template-columns: repeat(3, 26px); gap: 6px; }
.atm-keys i { width: 26px; height: 20px; border-radius: 5px; background: linear-gradient(180deg, #3b3290, #231c5e); border: 1px solid rgba(255,255,255,.14); box-shadow: 0 2px 0 rgba(0,0,0,.4); }
.atm-keys i.hot { animation: atmKey 9s infinite; }
@keyframes atmKey { 0%,28% { background: #3b3290; } 32%,38% { background: #c084fc; box-shadow: 0 0 12px #c084fc; } 42%,100% { background: #3b3290; } }
.atm-side { display: flex; flex-direction: column; gap: 10px; width: 78px; }
.atm-card { height: 12px; border-radius: 3px; background: #0b0820; border: 1px solid rgba(236,72,153,.6); box-shadow: 0 0 10px rgba(236,72,153,.4); }
.atm-receipt { height: 8px; border-radius: 3px; background: #0b0820; border: 1px solid rgba(255,255,255,.18); }
.atm-slot { position: absolute; left: 50%; bottom: 40px; width: 170px; height: 14px; transform: translateX(-50%); border-radius: 7px; background: #05030f; border: 1px solid rgba(251,191,36,.55); box-shadow: 0 0 14px rgba(251,191,36,.35), inset 0 -3px 6px rgba(0,0,0,.8); }
.atm-slot-light { position: absolute; left: 6px; right: 6px; bottom: 2px; height: 3px; border-radius: 2px; background: #fbbf24; opacity: .25; animation: atmSlot 9s infinite; }
@keyframes atmSlot { 0%,44% { opacity: .25; } 48%,68% { opacity: 1; box-shadow: 0 0 14px #fbbf24; } 72%,100% { opacity: .25; } }
.atm-out { position: absolute; left: 50%; top: calc(100% - 40px + 6px); width: 190px; height: 112px; transform: translateX(-50%); overflow: hidden; }
.atm-note { position: relative; width: 150px; height: 66px; border-radius: 7px; color: #fff; overflow: hidden; border: 1px solid rgba(255,255,255,.35); box-shadow: 0 6px 16px rgba(0,0,0,.4); }
.atm-note::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(115deg, rgba(255,255,255,.1) 0 2px, transparent 2px 7px); }
.atm-note::after { content: ''; position: absolute; inset: 4px; border-radius: 4px; border: 1px solid rgba(255,255,255,.4); }
.atm-note .seal { position: absolute; left: 12px; top: 50%; width: 30px; height: 30px; margin-top: -15px; border-radius: 50%; background: rgba(255,255,255,.25); border: 2px solid rgba(255,255,255,.7); }
.atm-note b { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: 20px; letter-spacing: .02em; text-shadow: 0 1px 2px rgba(0,0,0,.4); }
.n20 { background: linear-gradient(120deg, #1e3a8a, #2563eb); }
.n50 { background: linear-gradient(120deg, #9a3412, #c2410c); }
.n100 { background: linear-gradient(120deg, #14532d, #15803d); }
.atm-out .atm-note { position: absolute; left: 20px; top: 0; transform: translateY(-80px); opacity: 1; }
.dn1 { animation: atmNote1 9s infinite; } .dn2 { animation: atmNote2 9s infinite; } .dn3 { animation: atmNote3 9s infinite; }
@keyframes atmNote1 { 0%,46% { transform: translateY(-80px) rotate(0); } 56% { transform: translateY(8px) rotate(-3deg); } 92% { transform: translateY(8px) rotate(-3deg); opacity: 1; } 98%,100% { transform: translateY(130px) rotate(-3deg); opacity: 0; } }
@keyframes atmNote2 { 0%,50% { transform: translateY(-80px) rotate(0); } 60% { transform: translateY(22px) rotate(2deg); } 92% { transform: translateY(22px) rotate(2deg); opacity: 1; } 98%,100% { transform: translateY(130px) rotate(2deg); opacity: 0; } }
@keyframes atmNote3 { 0%,54% { transform: translateY(-80px) rotate(0); } 64% { transform: translateY(36px) rotate(-1deg); } 92% { transform: translateY(36px) rotate(-1deg); opacity: 1; } 98%,100% { transform: translateY(130px) rotate(-1deg); opacity: 0; } }
.atm-float { position: absolute; z-index: 1; animation: atmFloat 6s ease-in-out infinite; }
.atm-float .atm-note { transform: scale(.55); transform-origin: top left; opacity: .85; }
.af-1 { left: 0; top: 36px; animation-delay: 0s; } .af-2 { right: 0; top: 118px; animation-delay: 1.5s; } .af-3 { left: 6px; top: 238px; animation-delay: 3s; }
.atm-float { width: 83px; height: 37px; }
@keyframes atmFloat { 0%,100% { translate: 0 0; rotate: -4deg; } 50% { translate: 0 -14px; rotate: 4deg; } }
.atm-caption { text-align: center; color: #a8b3cf; font-size: .8rem; margin: 6px auto 0; max-width: 340px; }
@media (max-width: 900px) { .atm-scene { height: 380px; transform: scale(.9); transform-origin: top center; } }
@media (prefers-reduced-motion: reduce) {
  .atm-screen .st { animation: none !important; opacity: 0; }
  .atm-screen .st4 { opacity: 1; }
  .atm-out .atm-note { animation: none !important; opacity: 1; }
  .dn1 { transform: translateY(8px) rotate(-3deg) !important; } .dn2 { transform: translateY(22px) rotate(2deg) !important; } .dn3 { transform: translateY(36px) rotate(-1deg) !important; }
}