/* ═══════════════════════════════════════════════════════════
   ELEGANSKY MICROFINANCE — Premium Style System
   Theme: Dark Navy × Gold Luxury
   Fonts: Playfair Display (headings) + DM Sans (body)
   ═══════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,600;0,700;0,800;1,600&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
    --navy:       #04122b;
    --navy-mid:   #071e3d;
    --navy-light: #0c2d5a;
    --gold:       #f4b400;
    --gold-dark:  #c9920a;
    --gold-pale:  #fef8e1;
    --white:      #ffffff;
    --offwhite:   #f7f5f0;
    --muted:      rgba(255,255,255,0.55);
    --border-light: rgba(255,255,255,0.08);
    --border-gold:  rgba(244,180,0,0.25);
    --shadow-gold: rgba(244,180,0,0.2);
    --radius-sm: 10px;
    --radius:    18px;
    --radius-lg: 28px;
    --transition: all 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; }
body {
    font-family: 'DM Sans', sans-serif;
    background: var(--offwhite);
    color: var(--navy);
    line-height: 1.65;
    overflow-x: hidden;
}
h1, h2, h3, h4, h5 { font-family: 'Playfair Display', serif; }
img { max-width: 100%; }
a { text-decoration: none; transition: var(--transition); }

/* ═══════════════════════════════════════════════════════════
   NAVBAR
   ═══════════════════════════════════════════════════════════ */
.navbar-elegansky {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    padding: 0 60px;
    height: 76px;
    display: flex; align-items: center; justify-content: space-between;
    background: rgba(4, 18, 43, 0.92);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
}
.navbar-elegansky.scrolled {
    height: 64px;
    background: rgba(4, 18, 43, 0.98);
    box-shadow: 0 4px 30px rgba(0,0,0,0.4);
}
.navbar-elegansky .brand {
    display: flex; align-items: center; gap: 10px;
}
.navbar-elegansky .brand img {
    height: 44px; width: auto; object-fit: contain;
    filter: brightness(1.1);
}
.navbar-elegansky .brand-name {
    font-family: 'Playfair Display', serif;
    font-size: 20px; font-weight: 700; color: var(--white);
    display: none;
}
.navbar-elegansky .nav-links {
    display: flex; align-items: center; gap: 8px; list-style: none;
}
.navbar-elegansky .nav-links a {
    color: rgba(255,255,255,0.7); font-size: 14px; font-weight: 500;
    padding: 8px 16px; border-radius: 50px;
    transition: var(--transition);
}
.navbar-elegansky .nav-links a:hover { color: var(--white); }
.navbar-elegansky .nav-links .login-btn {
    background: var(--gold); color: var(--navy);
    font-weight: 700; padding: 9px 22px; border-radius: 50px;
    border: none; cursor: pointer;
    transition: var(--transition);
}
.navbar-elegansky .nav-links .login-btn:hover {
    background: #ffc62a;
    box-shadow: 0 4px 20px var(--shadow-gold);
    transform: translateY(-1px);
}
.navbar-toggler-custom {
    display: none; background: none; border: none; cursor: pointer;
    flex-direction: column; gap: 5px; padding: 4px;
}
.navbar-toggler-custom span {
    display: block; width: 24px; height: 2px;
    background: var(--white); border-radius: 2px;
    transition: var(--transition);
}

/* ── Mobile Nav ── */
.mobile-nav {
    display: none;
    position: fixed; top: 76px; left: 0; right: 0; z-index: 999;
    background: rgba(4, 18, 43, 0.98); backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border-light);
    padding: 16px 24px 24px;
    flex-direction: column; gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
    color: rgba(255,255,255,0.75); font-size: 15px; font-weight: 500;
    padding: 12px 16px; border-radius: var(--radius-sm);
    transition: var(--transition);
}
.mobile-nav a:hover { background: rgba(255,255,255,0.06); color: var(--white); }
.mobile-nav .login-btn-m {
    margin-top: 8px; background: var(--gold); color: var(--navy);
    font-weight: 700; text-align: center; border-radius: 50px; padding: 13px;
}

/* ═══════════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════════ */
.hero-section {
    background: var(--navy);
    min-height: 100vh;
    display: flex; align-items: center;
    padding: 100px 0 60px;
    position: relative; overflow: hidden;
}
.hero-bg-glow {
    position: absolute; z-index: 0;
    border-radius: 50%; filter: blur(80px);
    pointer-events: none;
}
.hero-bg-glow.g1 {
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(244,180,0,0.12) 0%, transparent 70%);
    top: -100px; right: -100px;
}
.hero-bg-glow.g2 {
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(12,45,90,0.8) 0%, transparent 70%);
    bottom: -50px; left: -80px;
}
.hero-grid-lines {
    position: absolute; inset: 0; z-index: 0;
    background-image:
        linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
    background-size: 48px 48px;
}
.hero-section .container { position: relative; z-index: 1; }
.hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(244,180,0,0.1); border: 1px solid var(--border-gold);
    color: var(--gold); padding: 7px 18px; border-radius: 50px;
    font-size: 12.5px; font-weight: 600; letter-spacing: .06em;
    text-transform: uppercase; margin-bottom: 24px;
}
.hero-eyebrow i { font-size: 13px; }
.hero-section h1 {
    font-size: clamp(38px, 5.5vw, 68px);
    font-weight: 800; line-height: 1.08;
    letter-spacing: -1.5px; color: var(--white);
    margin-bottom: 20px;
}
.hero-section h1 .text-gold { color: var(--gold); }
.hero-section .lead {
    font-size: 17px; color: var(--muted);
    line-height: 1.75; max-width: 480px; margin-bottom: 36px;
}
.hero-cta-group { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.btn-hero-primary {
    display: inline-flex; align-items: center; gap: 9px;
    background: var(--gold); color: var(--navy);
    font-family: 'DM Sans', sans-serif; font-size: 15px; font-weight: 700;
    padding: 15px 30px; border-radius: 50px;
    box-shadow: 0 6px 28px var(--shadow-gold);
    transition: var(--transition);
}
.btn-hero-primary:hover {
    background: #ffc62a; color: var(--navy);
    transform: translateY(-2px);
    box-shadow: 0 10px 36px rgba(244,180,0,0.45);
}
.btn-hero-secondary {
    display: inline-flex; align-items: center; gap: 9px;
    background: transparent; color: rgba(255,255,255,0.75);
    font-size: 15px; font-weight: 500;
    padding: 14px 28px; border-radius: 50px;
    border: 1.5px solid rgba(255,255,255,0.18);
    transition: var(--transition);
}
.btn-hero-secondary:hover {
    border-color: var(--gold); color: var(--gold);
}
.hero-stats-row {
    display: flex; gap: 36px; margin-top: 48px; padding-top: 36px;
    border-top: 1px solid var(--border-light);
}
.hero-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 30px; font-weight: 800; color: var(--gold); line-height: 1;
}
.hero-stat-label {
    font-size: 11.5px; color: var(--muted);
    text-transform: uppercase; letter-spacing: .06em; margin-top: 4px;
}
.hero-image-wrap {
    position: relative; display: flex; justify-content: center; align-items: center;
}
.hero-image-wrap img {
    width: 100%; max-width: 520px;
    border-radius: var(--radius-lg);
    object-fit: cover;
    animation: floatImg 6s ease-in-out infinite;
    filter: drop-shadow(0 24px 48px rgba(0,0,0,0.5));
}
@keyframes floatImg {
    0%,100% { transform: translateY(0); }
    50%      { transform: translateY(-14px); }
}

/* ═══════════════════════════════════════════════════════════
   SECTION SHARED
   ═══════════════════════════════════════════════════════════ */
section { padding: 96px 0; }
.section-eyebrow {
    display: inline-flex; align-items: center; gap: 7px;
    font-size: 11.5px; font-weight: 700; letter-spacing: .1em;
    text-transform: uppercase; color: var(--gold);
    margin-bottom: 14px;
}
.section-eyebrow::before {
    content: ''; display: block; width: 28px; height: 2px; background: var(--gold);
}
.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 3.5vw, 44px);
    font-weight: 800; line-height: 1.12;
    letter-spacing: -.5px;
    color: var(--navy);
}
.section-title.light { color: var(--white); }
.section-sub {
    font-size: 16px; color: #5a6a82; line-height: 1.75;
    max-width: 520px; margin-top: 12px;
}
.section-sub.light { color: var(--muted); }

/* ═══════════════════════════════════════════════════════════
   SERVICES
   ═══════════════════════════════════════════════════════════ */
.services-section { background: var(--offwhite); }
.service-card-new {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.06);
    border-radius: var(--radius);
    padding: 32px 28px;
    transition: var(--transition);
    position: relative; overflow: hidden;
    height: 100%;
}
.service-card-new::before {
    content: '';
    position: absolute; bottom: 0; left: 0; right: 0;
    height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-dark));
    transform: scaleX(0); transform-origin: left; transition: var(--transition);
}
.service-card-new:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(0,0,0,0.1); }
.service-card-new:hover::before { transform: scaleX(1); }
.service-icon {
    width: 60px; height: 60px; border-radius: 16px;
    background: #eef4ff; display: flex; align-items: center; justify-content: center;
    font-size: 24px; margin-bottom: 20px; transition: var(--transition);
    color: var(--navy-light);
}
.service-card-new:hover .service-icon { background: var(--gold); color: var(--navy); }
.service-card-new h4 {
    font-size: 18px; font-weight: 700; margin-bottom: 10px; color: var(--navy);
}
.service-card-new p { font-size: 14px; color: #6b7a90; line-height: 1.7; }

/* ═══════════════════════════════════════════════════════════
   HOW IT WORKS
   ═══════════════════════════════════════════════════════════ */
.how-section { background: var(--navy); }
.step-card-new {
    background: rgba(255,255,255,0.04);
    border: 1px solid var(--border-light);
    border-radius: var(--radius); padding: 28px 24px;
    transition: var(--transition); height: 100%;
}
.step-card-new:hover { border-color: var(--border-gold); background: rgba(244,180,0,0.05); }
.step-num-badge {
    width: 44px; height: 44px; border-radius: 12px;
    background: rgba(244,180,0,0.1); border: 1px solid var(--border-gold);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 800;
    color: var(--gold); margin-bottom: 18px;
}
.step-card-new h5 { font-size: 16px; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.step-card-new p { font-size: 13.5px; color: var(--muted); line-height: 1.65; }

/* ═══════════════════════════════════════════════════════════
   ABOUT
   ═══════════════════════════════════════════════════════════ */
.about-section { background: var(--white); }
.about-list li {
    display: flex; align-items: flex-start; gap: 12px;
    padding: 12px 0; border-bottom: 1px solid rgba(0,0,0,0.05);
    font-size: 14.5px; color: #3d4f63;
}
.about-list li:last-child { border: none; }
.about-list li i { color: var(--gold); font-size: 16px; margin-top: 2px; flex-shrink: 0; }
.about-img {
    border-radius: var(--radius-lg); overflow: hidden;
    box-shadow: 0 30px 70px rgba(0,0,0,0.15);
    position: relative;
}
.about-img::after {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(to bottom, transparent 60%, rgba(4,18,43,0.3) 100%);
}
.value-card {
    background: var(--offwhite); border-radius: var(--radius);
    padding: 20px; text-align: center; transition: var(--transition);
    border: 1px solid rgba(0,0,0,0.04);
}
.value-card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(0,0,0,0.08); background: var(--white); }
.value-card i { font-size: 22px; color: var(--navy-light); margin-bottom: 10px; display: block; }
.value-card .val-title { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.value-card small { font-size: 12.5px; color: #7a8a9a; }

/* Mission/Vision cards */
.mv-card {
    border-radius: var(--radius); overflow: hidden;
    border: 1px solid rgba(0,0,0,0.05);
    transition: var(--transition);
    height: 100%;
}
.mv-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
.mv-card-top {
    background: var(--navy); padding: 20px 22px;
    display: flex; align-items: center; gap: 12px;
}
.mv-card-top i { font-size: 22px; color: var(--gold); }
.mv-card-top h5 { font-size: 16px; font-weight: 700; color: var(--white); margin: 0; }
.mv-card-body { background: var(--white); padding: 20px 22px; }
.mv-card-body p { font-size: 14px; color: #5a6a82; line-height: 1.7; margin: 0; }

/* ═══════════════════════════════════════════════════════════
   FOUNDER
   ═══════════════════════════════════════════════════════════ */
.founder-section {
    background: var(--navy-mid);
    position: relative; overflow: hidden;
}
.founder-section::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; bottom: 0;
    background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(244,180,0,0.07) 0%, transparent 70%);
}
.founder-info-item {
    display: flex; align-items: center; gap: 16px; margin-bottom: 22px;
}
.founder-icon-box {
    width: 52px; height: 52px; border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 20px; flex-shrink: 0;
}
.founder-icon-box.blue  { background: rgba(24,119,242,0.15); color: #4f9cf9; }
.founder-icon-box.green { background: rgba(0,168,132,0.15); color: #00a884; }
.founder-icon-box.gold  { background: rgba(244,180,0,0.15); color: var(--gold); }
.founder-info-item .fi-label { font-size: 12px; color: rgba(255,255,255,0.4); margin-bottom: 2px; }
.founder-info-item .fi-value { font-size: 16px; font-weight: 600; color: var(--white); }
.founder-img-frame {
    position: relative; display: inline-block;
}
.founder-img-frame img {
    width: 100%; max-width: 360px;
    border-radius: var(--radius-lg);
    border: 2px solid rgba(255,255,255,0.08);
    box-shadow: 0 30px 70px rgba(0,0,0,0.5);
}
.founder-tag {
    position: absolute; bottom: -14px; left: 50%; transform: translateX(-50%);
    background: var(--gold); color: var(--navy);
    font-size: 13px; font-weight: 800;
    padding: 9px 24px; border-radius: 50px; white-space: nowrap;
    box-shadow: 0 6px 20px var(--shadow-gold);
}

/* ═══════════════════════════════════════════════════════════
   CONTACT
   ═══════════════════════════════════════════════════════════ */
.contact-section { background: var(--offwhite); }
.contact-card-new {
    background: var(--white); border-radius: var(--radius);
    padding: 32px 24px; text-align: center;
    border: 1px solid rgba(0,0,0,0.05);
    box-shadow: 0 4px 20px rgba(0,0,0,0.04);
    transition: var(--transition); height: 100%;
}
.contact-card-new:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
.contact-icon-wrap {
    width: 64px; height: 64px; margin: 0 auto 20px;
    background: #eef4ff; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 26px; color: var(--navy-light);
    transition: var(--transition);
}
.contact-card-new:hover .contact-icon-wrap { background: var(--navy); color: var(--gold); }
.contact-card-new h5 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.contact-card-new p { font-size: 14px; color: #6b7a90; margin: 0; }

/* ═══════════════════════════════════════════════════════════
   CTA BANNER
   ═══════════════════════════════════════════════════════════ */
.cta-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    padding: 80px 0;
    position: relative; overflow: hidden;
}
.cta-banner::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; bottom: 0;
    background: radial-gradient(ellipse 50% 100% at 100% 50%, rgba(244,180,0,0.12) 0%, transparent 60%);
}
.cta-banner .container { position: relative; z-index: 1; }

/* ═══════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════ */
.footer-new {
    background: var(--navy);
    color: var(--white);
    padding: 72px 0 28px;
    border-top: 1px solid var(--border-light);
}
.footer-brand-name {
    font-family: 'Playfair Display', serif;
    font-size: 22px; font-weight: 800; color: var(--white);
    margin-bottom: 14px;
}
.footer-brand-name span { color: var(--gold); }
.footer-desc { font-size: 14px; color: var(--muted); line-height: 1.75; max-width: 280px; }
.footer-col-title {
    font-size: 13px; font-weight: 700; color: rgba(255,255,255,0.85);
    text-transform: uppercase; letter-spacing: .08em; margin-bottom: 20px;
}
.footer-links-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links-list a { font-size: 14px; color: var(--muted); transition: var(--transition); }
.footer-links-list a:hover { color: var(--gold); }
.footer-contact-line {
    display: flex; align-items: center; gap: 10px;
    font-size: 14px; color: var(--muted); margin-bottom: 12px;
}
.footer-contact-line i { color: var(--gold); font-size: 15px; flex-shrink: 0; }
.footer-social { display: flex; gap: 10px; }
.social-btn {
    width: 38px; height: 38px; border-radius: 50%;
    background: rgba(255,255,255,0.07); border: 1px solid var(--border-light);
    display: flex; align-items: center; justify-content: center;
    color: var(--muted); font-size: 15px; transition: var(--transition);
}
.social-btn:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); }
.footer-divider { border-color: var(--border-light); margin: 36px 0 24px; }
.footer-bottom { font-size: 13px; color: rgba(255,255,255,0.3); }
.footer-bottom span { color: var(--gold); }

/* ═══════════════════════════════════════════════════════════
   LOAN OPTIONS PAGE
   ═══════════════════════════════════════════════════════════ */
.loan-page-hero {
    background: var(--navy);
    padding: 120px 0 64px;
    text-align: center;
    position: relative; overflow: hidden;
}
.loan-page-hero::before {
    content: '';
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
    background-size: 48px 48px;
}
.loan-page-hero h1 { color: var(--white); }
.loan-page-hero p { color: var(--muted); }

.calc-section { background: var(--offwhite); padding: 72px 0 96px; }
.calc-card {
    background: var(--white);
    border-radius: var(--radius-lg); overflow: hidden;
    box-shadow: 0 16px 60px rgba(0,0,0,0.08);
    border: 1px solid rgba(0,0,0,0.05);
}
.calc-card-header {
    background: var(--navy); padding: 22px 28px;
    display: flex; align-items: center; gap: 12px;
}
.calc-card-header .step-circle {
    width: 32px; height: 32px; border-radius: 50%;
    background: var(--gold); color: var(--navy);
    display: flex; align-items: center; justify-content: center;
    font-weight: 800; font-size: 14px; flex-shrink: 0;
}
.calc-card-header h4 {
    font-size: 16px; font-weight: 700; color: var(--white); margin: 0;
}
.calc-card-body { padding: 28px; }
.field-label {
    font-size: 11.5px; font-weight: 700; color: #7a8a9a;
    text-transform: uppercase; letter-spacing: .08em; margin-bottom: 8px; display: block;
}
.form-select-elegant, .form-control-elegant {
    width: 100%;
    background: var(--offwhite); border: 1.5px solid #e4e8ef;
    border-radius: var(--radius-sm); padding: 12px 16px;
    font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
    color: var(--navy); transition: var(--transition);
    appearance: none;
}
.form-select-elegant:focus, .form-control-elegant:focus {
    outline: none; border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(244,180,0,0.12);
    background: var(--white);
}
.form-select-elegant option { background: var(--white); }
.duration-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.duration-btn {
    padding: 11px 0; text-align: center;
    border: 1.5px solid #e4e8ef; border-radius: var(--radius-sm);
    background: var(--offwhite); color: #6b7a90;
    font-family: 'DM Sans', sans-serif; font-size: 13px; font-weight: 600;
    cursor: pointer; transition: var(--transition);
}
.duration-btn:hover { border-color: var(--gold); color: var(--navy); }
.duration-btn.active {
    border-color: var(--gold); background: var(--gold); color: var(--navy);
    box-shadow: 0 4px 12px var(--shadow-gold);
}
/* Loan result display */
.loan-result-display {
    background: var(--navy); border-radius: var(--radius);
    padding: 24px 22px; margin-top: 8px; position: relative; overflow: hidden;
}
.loan-result-display::after {
    content: '';
    position: absolute; top: -40%; right: -20%;
    width: 200px; height: 200px;
    background: radial-gradient(circle, rgba(244,180,0,0.1) 0%, transparent 70%);
}
.res-badge {
    background: rgba(244,180,0,0.15); border: 1px solid var(--border-gold);
    color: var(--gold); font-size: 10.5px; font-weight: 700;
    padding: 4px 12px; border-radius: 50px; letter-spacing: .06em;
    text-transform: uppercase; display: inline-block; margin-bottom: 12px;
}
.res-weekly-amount {
    font-family: 'Playfair Display', serif;
    font-size: 38px; font-weight: 800; color: var(--gold);
    line-height: 1; margin-bottom: 4px;
}
.res-weekly-label { font-size: 12px; color: var(--muted); margin-bottom: 18px; }
.res-divider { border-color: rgba(255,255,255,0.08); margin: 14px 0; }
.res-detail-row {
    display: flex; justify-content: space-between; align-items: center;
    font-size: 13px; margin-bottom: 8px;
}
.res-detail-row:last-child { margin: 0; }
.res-detail-row .rk { color: var(--muted); }
.res-detail-row .rv { font-weight: 700; color: var(--white); }

/* Application form */
.app-card {
    background: var(--white); border-radius: var(--radius-lg);
    box-shadow: 0 16px 60px rgba(0,0,0,0.08);
    border: 1px solid rgba(0,0,0,0.05); overflow: hidden;
    animation: slideUp .4s ease;
}
@keyframes slideUp { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:translateY(0); } }
.app-info-banner {
    background: #f0f7ff; border: 1px solid #cce0ff;
    border-radius: var(--radius-sm); padding: 13px 16px;
    display: flex; align-items: flex-start; gap: 10px;
    font-size: 13px; color: #1a4480; margin-bottom: 8px;
}
.app-info-banner i { color: #1a6fbf; font-size: 15px; flex-shrink: 0; margin-top: 1px; }
.btn-submit-loan {
    width: 100%; background: var(--gold); color: var(--navy);
    font-family: 'DM Sans', sans-serif; font-size: 15px; font-weight: 800;
    padding: 16px; border-radius: var(--radius-sm); border: none;
    cursor: pointer; letter-spacing: .04em; text-transform: uppercase;
    transition: var(--transition);
    display: flex; align-items: center; justify-content: center; gap: 10px;
}
.btn-submit-loan:hover {
    background: #ffc62a;
    transform: translateY(-2px);
    box-shadow: 0 8px 24px var(--shadow-gold);
}

/* ═══════════════════════════════════════════════════════════
   WHATSAPP FLOAT
   ═══════════════════════════════════════════════════════════ */
.whatsapp-float {
    position: fixed; bottom: 28px; right: 28px; z-index: 999;
    background: #25d366; color: #fff; border-radius: 50px;
    padding: 12px 20px;
    box-shadow: 0 6px 24px rgba(37,211,102,0.45);
    text-decoration: none;
    display: flex; align-items: center; gap: 8px;
    font-weight: 700; font-size: 14px;
    transition: var(--transition);
}
.whatsapp-float:hover { background: #1ea855; color: #fff; transform: scale(1.04); }
.whatsapp-float i { font-size: 22px; }
@media (max-width: 768px) {
    .whatsapp-float span { display: none; }
    .whatsapp-float { padding: 14px; border-radius: 50%; }
    .whatsapp-float i { margin: 0; }
}

/* ═══════════════════════════════════════════════════════════
   UTILITIES
   ═══════════════════════════════════════════════════════════ */
.text-gold { color: var(--gold); }
.bg-navy   { background: var(--navy); }
.rounded-elegant { border-radius: var(--radius); }
.shadow-elegant  { box-shadow: 0 12px 40px rgba(0,0,0,0.1); }

/* ── Responsive ── */
@media (max-width: 1100px) {
    .navbar-elegansky { padding: 0 24px; }
}
@media (max-width: 992px) {
    .navbar-elegansky .nav-links { display: none; }
    .navbar-toggler-custom { display: flex; }
    .hero-image-wrap { margin-top: 40px; }
    .hero-stats-row { gap: 20px; flex-wrap: wrap; }
    .duration-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 576px) {
    section { padding: 64px 0; }
    .hero-section { padding: 90px 0 48px; }
    .hero-section h1 { font-size: 34px; }
    .hero-cta-group { flex-direction: column; }
    .hero-cta-group a, .hero-cta-group button { width: 100%; justify-content: center; }
}