@import url('./page-variables.css');
@import url('./page-utilities.css');
@import url('./page-buttons.css');
@import url('./page-forms.css');
@import url('./page-animations.css');

/* ==========================================================================
   1. GLOBAL / BASE / RESET OVERRIDES
   ========================================================================== */

*,
*::before,
*::after {
  box-sizing: border-box;
  min-width: 0;
}

html,
body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  font-size: var(--font-base);
  font-weight: var(--fw-regular);
  line-height: var(--lh-normal);
  color: var(--text-color);
  background: var(--body-bg);
}

.container {
  padding: 0 clamp(16px, 4vw, 50px);
}

section,
.container,
.container-fluid {
  max-width: 100%;
}

img,
picture,
video,
canvas,
svg,
iframe {
  display: block;
  max-width: 100%;
  height: auto;
}

.grid,
[class*="grid-"] {
  width: 100%;
}

.grid > *,
.flex > *,
.card,
.glass-card {
  min-width: 0;
}

h1, h2, h3, h4, h5, h6,
p, span, a {
  overflow-wrap: break-word;
  word-break: break-word;
}

input,
select,
textarea {
  width: 100%;
  max-width: 100%;
}

/* ==========================================================================
   2. SECTION LAYOUTS & SPACING FIXES
   ========================================================================== */

.section {
  position: relative;
  padding: clamp(28px, 4vw, 48px) 0;
}

.section-sm {
  padding: clamp(20px, 3vw, 36px) 0;
}

.section-lg {
  padding: clamp(36px, 5vw, 64px) 0;
}

/* Eliminate double padding gap when sections are stacked directly */
.section + .section,
.section + .section-sm,
.section-sm + .section {
  padding-top: clamp(12px, 2vw, 24px);
}

.section-light {
  background: #f8fbff;
}

.section-white {
  background: #ffffff;
}

.section-primary {
  background: var(--gradient-primary);
  color: #ffffff;
}

.section-header {
  max-width: 760px;
  margin: 0 auto clamp(20px, 3vw, 36px);
  text-align: center;
}

.section-title {
  margin-bottom: clamp(10px, 1.5vw, 18px);
  font-size: clamp(1.75rem, 4vw, 3.25rem);
  line-height: 1.15;
  font-weight: 800;
  color: var(--heading-color);
  letter-spacing: -0.03em;
}

.section-title span {
  color: var(--primary);
}

.section-primary .section-title,
.section-primary .section-title span {
  color: #ffffff;
}

.section-description {
  max-width: 1080px;
  margin: 0 auto clamp(12px, 1.8vw, 18px);
  color: var(--text-light);
  font-size: clamp(0.95rem, 1.2vw, 1.06rem);
  line-height: 1.85;
}

.section-primary .section-description {
  color: rgba(255, 255, 255, 0.88);
}

/* ==========================================================================
   3. BADGES, TAGS & BREADCRUMBS
   ========================================================================== */

.section-badge,
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 18px;
  border-radius: 999px;
  font-size: clamp(0.85rem, 1vw, 0.92rem);
  font-weight: 600;
}

.section-badge {
  margin-bottom: 18px;
  background: rgba(11, 37, 69, 0.08);
  border: 1px solid rgba(11, 37, 69, 0.12);
  color: var(--primary);
}

.section-badge i {
  font-size: 0.95rem;
}

.badge-light {
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: #ffffff;
}

.hero-badge {
  margin-bottom: 28px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(12px);
  color: #ffffff;
}

.hero-badge i {
  color: #7dd3fc;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: clamp(8px, 1.5vw, 12px);
  padding: clamp(8px, 1.2vw, 12px) clamp(14px, 2vw, 22px);
  margin-bottom: 18px;
  border-radius: 999px;
  background: rgba(229, 152, 25, 0.1);
  border: 1px solid rgba(229, 152, 25, 0.22);
  color: var(--secondary-dark);
  font-size: clamp(0.8rem, 1vw, 0.875rem);
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  transition: var(--transition-normal);
}

.section-tag i {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gradient-gold);
  color: #fff;
  font-size: 0.95rem;
  box-shadow: 0 8px 18px rgba(229, 152, 25, 0.25);
  transition: var(--transition-normal);
}

.section-tag:hover {
  transform: translateY(-2px);
  background: var(--secondary-light);
  border-color: rgba(229, 152, 25, 0.35);
  box-shadow: 0 12px 25px rgba(229, 152, 25, 0.12);
}

.section-tag:hover i {
  transform: rotate(-10deg) scale(1.08);
}

.form-badge {
  display: inline-flex;
  align-items: center;
  padding: 8px 18px;
  border-radius: 50px;
  background: var(--secondary-light);
  color: var(--secondary-dark);
  font-weight: 600;
  margin-bottom: 18px;
}

.impact-badge {
  position: absolute;
  right: clamp(15px, 2vw, 25px);
  top: clamp(15px, 2vw, 25px);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.impact-badge.high {
  background: #dcfce7;
  color: #15803d;
}

.impact-badge.medium {
  background: #fef3c7;
  color: #b45309;
}

.lender-badge {
  display: inline-block;
  padding: 8px 16px;
  border-radius: 30px;
  background: #f8fafc;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 20px;
  color: var(--secondary);
}

.ranking-badge {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--primary);
  color: #fff;
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  box-shadow: 0 8px 20px rgba(var(--primary-rgb), 0.35);
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
  font-size: 0.95rem;
}

.breadcrumb a {
  color: #ffffff;
}

.breadcrumb i {
  color: rgba(255, 255, 255, 0.7);
}

.breadcrumb span {
  color: rgba(255, 255, 255, 0.8);
}

/* ==========================================================================
   4. HERO SECTION
   ========================================================================== */

.hero {
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  min-height: 55vh;
  padding: clamp(36px, 5vw, 52px) 0 clamp(24px, 3vw, 36px);
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(7, 23, 52, 0.88) 0%,
    rgba(7, 23, 52, 0.72) 45%,
    rgba(7, 23, 52, 0.45) 70%,
    rgba(7, 23, 52, 0.25) 100%
  );
}

.hero-pattern {
  position: absolute;
  inset: 0;
  opacity: 0.05;
  background-image: radial-gradient(#ffffff 1px, transparent 1px);
  background-size: 30px 30px;
}

.hero .container {
  position: relative;
  z-index: 2;
}

.hero-content {
  max-width: 900px;
}

.hero-title {
  margin-bottom: 20px;
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1.08;
  font-weight: 800;
  color: #ffffff;
}

.hero-title span {
  color: #7dd3fc;
}

.hero-description {
  max-width: 650px;
  margin-bottom: 30px;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(0.95rem, 1.2vw, 1.08rem);
  line-height: 1.9;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
}

.hero-scroll {
  position: absolute;
  left: 50%;
  bottom: 25px;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  color: #ffffff;
  z-index: 3;
}

.hero-scroll span {
  font-size: 0.85rem;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.hero-scroll-line {
  width: 2px;
  height: 45px;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.7);
}

.hero-shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.05;
  pointer-events: none;
}

.hero-shape.one {
  top: -120px;
  right: -120px;
  width: 320px;
  height: 320px;
  background: #2563eb;
}

.hero-shape.two {
  bottom: -90px;
  left: -90px;
  width: 220px;
  height: 220px;
  background: #06b6d4;
}

.hero-highlights {
  display: flex;
  flex-wrap: wrap;
  gap: 15px;
  margin-top: 25px;
}

.highlight-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 18px;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(15px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 50px;
  color: #fff;
  font-size: clamp(0.875rem, 1vw, 0.9375rem);
  font-weight: 500;
}

.highlight-item i {
  color: var(--secondary);
  font-size: 1rem;
}

/* ==========================================================================
   5. SHARED CARD ICON STYLES & ANIMATIONS
   ========================================================================== */

.value-icon,
.eligibility-icon,
.route-icon,
.compare-icon,
.loan-option-icon,
.feature-icon,
.special-case-icon,
.factor-icon,
.document-icon,
.mistake-icon,
.rejection-icon,
.lender-category-icon,
.cost-icon,
.mission-icon,
.vision-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--secondary-light);
  transition: var(--transition-normal);
}

.value-icon,
.eligibility-icon,
.mission-icon,
.vision-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  border-radius: 20px;
}

.mission-icon,
.vision-icon {
  border-radius: 22px;
  margin-bottom: 22px;
}

.route-icon,
.compare-icon,
.feature-icon,
.mistake-icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 20px;
  border-radius: 18px;
}

.loan-option-icon,
.special-case-icon,
.factor-icon,
.document-icon,
.lender-category-icon,
.cost-icon {
  width: 68px;
  height: 68px;
  border-radius: 18px;
  margin-bottom: 20px;
}

.rejection-icon {
  width: 70px;
  height: 70px;
  margin: 0 auto 20px;
  border-radius: 18px;
  background: #fef2f2;
}

.cost-icon,
.lender-category-icon {
  margin: 0 auto 20px;
}

.factor-icon {
  min-width: 68px;
  margin-bottom: 0;
}

.feature-icon {
  background: linear-gradient(135deg, #fff8e8, #fff1c7);
  border: 1px solid rgba(229, 152, 25, 0.18);
}

.mistake-icon {
  background: #fef2f2;
  margin-bottom: 20px;
}

/* Icon Typography & Colors */
.value-icon i,
.eligibility-icon i,
.route-icon i,
.compare-icon i,
.loan-option-icon i,
.feature-icon i,
.special-case-icon i,
.factor-icon i,
.document-icon i,
.cost-icon i,
.lender-category-icon i {
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  color: var(--secondary);
  transition: 0.35s;
}

.compare-icon i {
  font-size: 28px;
}

.rejection-icon i {
  font-size: 28px;
  color: #dc2626;
}

.mistake-icon i {
  font-size: 28px;
  color: #ef4444;
  transition: 0.35s;
}

.mission-icon i,
.vision-icon i {
  font-size: 34px;
  color: var(--secondary);
}

/* Shared Icon Hover Transformations */
.value-card:hover .value-icon,
.eligibility-card:hover .eligibility-icon,
.route-card:hover .route-icon,
.compare-card:hover .compare-icon,
.document-card:hover .document-icon,
.mission-card:hover .mission-icon,
.vision-card:hover .vision-icon {
  background: var(--gradient-gold);
  transform: rotate(-8deg) scale(1.08);
}

.factor-card:hover .factor-icon {
  background: var(--gradient-gold);
}

.value-card:hover .value-icon i,
.eligibility-card:hover .eligibility-icon i,
.route-card:hover .route-icon i,
.compare-card:hover .compare-icon i,
.document-card:hover .document-icon i,
.factor-card:hover .factor-icon i,
.mistake-card:hover .mistake-icon i {
  color: #fff;
}

.mistake-card:hover .mistake-icon {
  background: #ef4444;
  transform: rotate(-8deg);
}

.feature-card:hover .feature-icon {
  transform: rotate(-6deg) scale(1.05);
}

.feature-card:hover .feature-icon i {
  transform: scale(1.1);
}

/* ==========================================================================
   6. GENERIC CARD BASE & HOVER EFFECTS
   ========================================================================== */

.stats-card,
.value-card,
.loan-option-card,
.feature-card,
.special-case-card,
.eligibility-card,
.factor-card,
.document-card,
.route-card,
.compare-card,
.profile-summary-card,
.mistake-card,
.decision-card,
.lender-category-card,
.guide-card,
.cost-card,
.rejection-card,
.mission-card,
.vision-card,
.university-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: clamp(16px, 2.5vw, 24px);
  padding: clamp(18px, 3vw, 28px);
  transition: var(--transition-normal);
  box-shadow: var(--shadow-sm);
}

.guide-card,
.cost-card,
.rejection-card,
.lender-category-card,
.decision-card {
  padding: 28px;
  border-radius: 20px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.05);
}

.decision-card,
.mistake-card {
  padding: 28px 24px;
}

.mission-card,
.vision-card {
  padding: 36px 30px;
  border-radius: 24px;
}

.university-card {
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 20px;
  padding: 0;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.06);
}

/* Consolidated Card Hover Transforms */
.stats-card:hover,
.value-card:hover,
.loan-option-card:hover,
.feature-card:hover,
.special-case-card:hover,
.eligibility-card:hover,
.factor-card:hover,
.document-card:hover,
.route-card:hover,
.compare-card:hover,
.profile-summary-card:hover,
.decision-card:hover,
.lender-category-card:hover,
.guide-card:hover,
.cost-card:hover,
.mission-card:hover,
.vision-card:hover {
  transform: translateY(-6px);
  border-color: rgba(229, 152, 25, 0.3);
  box-shadow: var(--shadow-hover);
}

.rejection-card:hover {
  transform: translateY(-6px);
  border-color: #dc2626;
  box-shadow: 0 20px 45px rgba(15, 23, 42, 0.08);
}

.mistake-card:hover {
  transform: translateY(-8px);
  border-color: #ef4444;
  box-shadow: var(--shadow-hover);
}

.university-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12);
}

/* Top Gradient Border Overlay */
.value-card::before,
.eligibility-card::before,
.feature-card::before,
.route-card::before,
.compare-card::before,
.profile-summary-card::before,
.document-card::before,
.decision-card::before,
.mission-card::before,
.vision-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--gradient-gold);
}

.profile-summary-card::before,
.mission-card::before,
.vision-card::before {
  height: 5px;
}

.value-card::before,
.eligibility-card::before,
.feature-card::before,
.route-card::before,
.compare-card::before,
.decision-card::before {
  transform: scaleX(0);
  transform-origin: left;
  transition: 0.45s;
}

.value-card:hover::before,
.eligibility-card:hover::before,
.feature-card:hover::before,
.route-card:hover::before,
.compare-card:hover::before,
.decision-card:hover::before {
  transform: scaleX(1);
}

/* Background Watermark Circles */
.value-card::after,
.eligibility-card::after,
.route-card::after,
.profile-summary-card::after,
.document-card::after,
.mission-card::after,
.vision-card::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  background: rgba(229, 152, 25, 0.05);
  transition: 0.45s;
}

.value-card::after,
.eligibility-card::after,
.route-card::after,
.document-card::after {
  width: 160px;
  height: 160px;
  right: -70px;
  bottom: -70px;
}

.profile-summary-card::after {
  width: 200px;
  height: 200px;
  right: -90px;
  bottom: -90px;
}

.mission-card::after,
.vision-card::after {
  width: 160px;
  height: 160px;
  right: -60px;
  bottom: -60px;
  background: rgba(229, 152, 25, 0.06);
  transition: 0.5s;
}

.value-card:hover::after,
.mission-card:hover::after,
.vision-card:hover::after {
  transform: scale(1.2);
}

/* Featured Card Modifications */
.loan-option-card.featured,
.compare-card.featured,
.lender-category-card.featured,
.guide-card.featured,
.special-case-card.featured {
  background: linear-gradient(135deg, #ffffff, #fff8eb);
  border: 2px solid rgba(229, 152, 25, 0.25);
}

.loan-option-card.featured {
  border-color: var(--secondary);
  background: linear-gradient(135deg, #ffffff 0%, #fffaf0 100%);
}

.loan-option-card.featured::after,
.compare-card.featured::after {
  content: "Recommended";
  position: absolute;
  top: 18px;
  right: -38px;
  width: 160px;
  text-align: center;
  background: var(--gradient-gold);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 6px 0;
  transform: rotate(45deg);
}

/* ==========================================================================
   7. INDIVIDUAL COMPONENT CARDS
   ========================================================================== */

/* --- Stats Card --- */
.stats-card {
  text-align: center;
  height: 100%;
  padding: clamp(20px, 3vw, 28px) 16px;
}

.stats-card h2 {
  margin: 0 0 10px;
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1;
  color: var(--secondary);
  letter-spacing: -1px;
}

.stats-card span {
  display: block;
  font-size: clamp(0.85rem, 1vw, 0.92rem);
  font-weight: 600;
  color: var(--gray-600);
  line-height: 1.5;
}

/* --- Loan Review Form Card --- */
.loan-review-card {
  background: #fff;
  border-radius: 24px;
  padding: clamp(20px, 3.5vw, 32px);
  box-shadow: 0 25px 60px rgba(15, 23, 42, 0.1);
  position: relative;
  z-index: 2;
}

.loan-review-card h3 {
  font-size: clamp(1.25rem, 2.5vw, 1.6rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 12px;
}

.loan-review-card p {
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 24px;
}

.loan-review-card small {
  display: block;
  margin-top: 16px;
  font-size: 0.875rem;
  color: var(--gray-500);
}

.loan-review-card small i {
  color: #16a34a;
}

/* --- Profile Summary Card --- */
.profile-summary-card {
  position: relative;
  overflow: hidden;
}

.summary-header {
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-200);
}

.summary-header h3 {
  font-size: clamp(1.2rem, 2vw, 1.4rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 6px;
}

.summary-header span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--secondary-light);
  color: var(--secondary-dark);
  font-size: 0.85rem;
  font-weight: 600;
}

.summary-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-100);
}

.summary-item:last-of-type {
  border-bottom: none;
}

.summary-item span {
  color: var(--gray-600);
  font-size: 0.95rem;
}

.summary-item strong {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
}

.profile-summary-card small {
  display: block;
  margin-top: 20px;
  padding: 14px;
  border-radius: 12px;
  background: #f8fafc;
  border-left: 4px solid var(--secondary);
  color: var(--gray-600);
  font-size: 0.85rem;
  line-height: 1.7;
}

/* --- Value & Eligibility Cards --- */
.value-card,
.eligibility-card {
  position: relative;
  height: 100%;
  overflow: hidden;
  text-align: center;
}

.value-card h4,
.eligibility-card h3 {
  font-size: clamp(1.15rem, 2vw, 1.35rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
}

.value-card p,
.eligibility-card p {
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--gray-600);
  margin: 0;
}

/* --- Loan Option Cards --- */
.loan-option-card {
  position: relative;
  height: 100%;
  overflow: hidden;
}

.loan-option-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: var(--gradient-gold);
  opacity: 0;
  transition: 0.35s;
}

.loan-option-card:hover::before {
  opacity: 1;
}

.loan-option-card h3 {
  font-size: clamp(1.2rem, 2vw, 1.4rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
  line-height: 1.35;
}

.loan-option-card p {
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--gray-600);
  margin-bottom: 22px;
}

.loan-option-card a,
.special-case-card a {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--secondary);
  transition: 0.35s;
}

.loan-option-card a i,
.special-case-card a i {
  transition: 0.35s;
}

.loan-option-card:hover a,
.special-case-card:hover a {
  color: var(--primary);
}

.loan-option-card:hover a i,
.special-case-card:hover a i {
  transform: translateX(6px);
}

/* --- Feature Cards & Special Cases --- */
.feature-card {
  position: relative;
  height: 100%;
  text-align: center;
  overflow: hidden;
}

.feature-card h4,
.special-case-card h3 {
  font-size: clamp(1.15rem, 2vw, 1.35rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
  line-height: 1.4;
}

.feature-card p,
.special-case-card p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--gray-600);
}

.special-case-card {
  height: 100%;
}

.special-case-card p {
  margin-bottom: 20px;
}

.special-case-card ul {
  padding: 0;
  margin: 0 0 20px;
  list-style: none;
}

.special-case-card ul li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  color: var(--gray-700);
}

.special-case-card ul li i {
  color: #16a34a;
}

/* --- Factor Cards --- */
.factor-card {
  display: flex;
  align-items: flex-start;
  gap: clamp(12px, 2vw, 18px);
  position: relative;
  overflow: hidden;
}

.factor-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  width: 4px;
  height: 100%;
  background: var(--gradient-gold);
  transform: scaleY(0);
  transition: 0.4s;
  transform-origin: top;
}

.factor-card:hover::before {
  transform: scaleY(1);
}

.factor-content {
  flex: 1;
}

.factor-content h4 {
  font-size: clamp(1.1rem, 1.8vw, 1.25rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}

.factor-content p {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--gray-600);
}

/* --- Document Cards --- */
.document-card {
  position: relative;
  height: 100%;
  overflow: hidden;
}

.document-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}

.document-header h3, .document-card h3 {
  margin: 0;
  font-size: clamp(1.2rem, 2vw, 1.45rem);
  font-weight: 700;
  color: var(--primary);
}


.document-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.document-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
  font-size: 0.95rem;
  line-height: 1.65;
}

.document-list li:last-child {
  border-bottom: none;
}

.document-list i {
  width: 28px;
  height: 28px;
  min-width: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: #ecfdf5;
  color: #16a34a;
  font-size: 0.8rem;
  transition: 0.35s;
}

.document-card:hover .document-list i {
  transform: scale(1.08);
}

/* --- Route Cards --- */
.route-card {
  position: relative;
  height: 100%;
  text-align: center;
  overflow: hidden;
}

.route-card h4 {
  font-size: clamp(1.1rem, 1.8vw, 1.25rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 12px;
}

.route-card p {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--gray-600);
}

/* --- Compare Cards --- */
.compare-card {
  position: relative;
  height: 100%;
  overflow: hidden;
}

.compare-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
  line-height: 1.35;
}

.compare-card p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 20px;
}

.compare-card ul {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
}

.compare-card ul li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  color: var(--gray-700);
  font-weight: 600;
}

.compare-card ul li i {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #ecfdf5;
  color: #16a34a;
  font-size: 12px;
}

.compare-card a {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--secondary);
  font-weight: 700;
  text-decoration: none;
  transition: 0.3s;
}

.compare-card a:hover {
  gap: 14px;
}

/* --- Mistake Cards --- */
.mistake-card {
  position: relative;
  height: 100%;
  overflow: hidden;
  border-left: 4px solid #ef4444;
}

.mistake-card h4 {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 12px;
}

.mistake-card p {
  margin: 0;
  color: var(--gray-600);
  line-height: 1.8;
}

/* --- Rejection Cards --- */
.rejection-card {
  height: 100%;
  text-align: center;
}

.rejection-card h4 {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
}

.rejection-card p {
  margin: 0;
  line-height: 1.8;
  color: var(--gray-600);
}

/* --- Decision Framework Cards --- */
.decision-card {
  position: relative;
  height: 100%;
  text-align: center;
  overflow: hidden;
}

.decision-card h4 {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
  line-height: 1.35;
}

.decision-card p {
  margin: 0;
  font-size: 15px;
  line-height: 1.8;
  color: var(--gray-600);
}

.decision-number {
  width: 70px;
  height: 70px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, #fef3c7, #fde68a);
  color: var(--secondary);
  font-size: 24px;
  font-weight: 800;
  border: 2px solid rgba(229, 152, 25, 0.2);
  transition: 0.35s;
}

.decision-card:hover .decision-number {
  transform: rotate(-10deg) scale(1.08);
}

/* --- Lender Category Cards --- */
.lender-category-card {
  height: 100%;
}

.lender-category-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
}

.lender-category-card > p {
  line-height: 1.8;
  color: var(--gray-600);
  margin-bottom: 20px;
}

.lender-box {
  padding: 16px;
  background: #f8fafc;
  border-radius: 14px;
  margin-top: 14px;
}

.lender-box strong {
  display: block;
  margin-bottom: 8px;
  color: var(--primary);
}

.lender-box p {
  margin: 0;
  line-height: 1.7;
  color: var(--gray-600);
}

.lender-box.warning {
  background: #fff8eb;
  border-left: 4px solid var(--secondary);
}

/* --- Guide & Cost Cards --- */
.guide-card {
  position: relative;
  height: 100%;
}

.guide-number {
  width: 60px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--secondary-light);
  color: var(--secondary);
  font-size: 20px;
  font-weight: 800;
  margin-bottom: 20px;
}

.guide-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 14px;
}

.guide-card p {
  margin: 0;
  line-height: 1.8;
  color: var(--gray-600);
}

.cost-card {
  height: 100%;
  text-align: center;
}

.cost-card h4 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 14px;
  color: var(--primary);
}

.cost-card p {
  margin: 0;
  line-height: 1.75;
  color: var(--gray-600);
}

/* --- Mission & Vision Cards --- */
.mission-section {
  position: relative;
  padding: clamp(40px, 6vw, 70px) 0;
  background: #ffffff;
  overflow: hidden;
}

.mission-section::before {
  content: "";
  position: absolute;
  width: 350px;
  height: 350px;
  border-radius: 50%;
  background: rgba(229, 152, 25, 0.05);
  top: -150px;
  right: -120px;
  filter: blur(90px);
}

.mission-section::after {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: rgba(11, 37, 69, 0.05);
  bottom: -150px;
  left: -100px;
  filter: blur(80px);
}

.mission-card,
.vision-card {
  position: relative;
  height: 100%;
  overflow: hidden;
}

.mission-card h3,
.vision-card h3 {
  font-size: 26px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 16px;
}

.mission-card p,
.vision-card p {
  font-size: 15px;
  line-height: 1.8;
  color: var(--gray-600);
  margin-bottom: 24px;
}

.mission-card ul,
.vision-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.mission-card li,
.vision-card li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
  font-weight: 600;
}

.mission-card li:last-child,
.vision-card li:last-child {
  border-bottom: none;
}

.mission-card li i,
.vision-card li i {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--secondary-light);
  color: var(--secondary);
  font-size: 13px;
  transition: 0.35s;
}

.mission-card:hover li i,
.vision-card:hover li i {
  background: var(--secondary);
  color: #fff;
}

/* ==========================================================================
   8. PROCESS & STORY SECTIONS
   ========================================================================== */

/* --- Story Section --- */
.about-story-section {
  position: relative;
  padding: clamp(36px, 5vw, 64px) 0;
  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
  overflow: hidden;
}

.about-story-section::before,
.about-story-section::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
}

.about-story-section::before {
  top: -100px;
  right: -100px;
  width: 280px;
  height: 280px;
  background: rgba(229, 152, 25, 0.08);
}

.about-story-section::after {
  left: -80px;
  bottom: -80px;
  width: 220px;
  height: 220px;
  background: rgba(11, 37, 69, 0.06);
}

.about-story-image {
  position: relative;
  overflow: visible;
}

.about-story-image img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 24px;
  object-fit: cover;
  box-shadow: 0 25px 50px rgba(11, 37, 69, 0.1);
  transition: 0.45s;
}

.about-story-image:hover img {
  transform: translateY(-8px);
}

.about-story-image::before {
  content: "";
  position: absolute;
  width: 150px;
  height: 150px;
  background: var(--secondary-light);
  border-radius: 22px;
  top: -20px;
  left: -20px;
  z-index: -1;
}

.about-story-image::after {
  content: "";
  position: absolute;
  width: 120px;
  height: 120px;
  background: rgba(11, 37, 69, 0.08);
  border-radius: 20px;
  bottom: -20px;
  right: -20px;
  z-index: -1;
}

.story-content {
  padding-left: 15px;
}

.story-content .section-tag {
  margin-bottom: 18px;
}

.story-content .section-title {
  margin-bottom: 20px;
}

.story-content .section-description {
  margin-bottom: 18px;
  font-size: 16px;
  line-height: 1.8;
  color: var(--gray-600);
}

.story-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 28px;
}

.story-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border-radius: 16px;
  background: #fff;
  border: 1px solid var(--gray-200);
  transition: var(--transition-normal);
  box-shadow: var(--shadow-xs);
}

.story-feature:hover {
  transform: translateY(-4px);
  border-color: rgba(229, 152, 25, 0.25);
  box-shadow: var(--shadow-hover);
}

.story-feature i {
  width: 42px;
  height: 42px;
  min-width: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--secondary-light);
  color: var(--secondary);
  font-size: 16px;
  flex-shrink: 0;
}

.story-feature span {
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
  line-height: 1.5;
}

/* --- Fundigo Solutions Process --- */
.loan-process {
  position: relative;
  max-width: 1000px;
  margin: clamp(24px, 4vw, 40px) auto 0;
}

.loan-process::before {
  content: "";
  position: absolute;
  left: 30px;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(
    to bottom,
    var(--secondary),
    rgba(229, 152, 25, 0.15)
  );
}

.process-step {
  position: relative;
  display: flex;
  gap: clamp(14px, 2.5vw, 28px);
  margin-bottom: 32px;
}

.process-step:last-child {
  margin-bottom: 0;
}

.step-number {
  width: 62px;
  height: 62px;
  min-width: 62px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gradient-gold);
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
  box-shadow: 0 12px 28px rgba(229, 152, 25, 0.25);
  z-index: 2;
}

.step-content {
  flex: 1;
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: 20px;
  padding: clamp(18px, 2.5vw, 24px);
  transition: var(--transition-normal);
  box-shadow: var(--shadow-sm);
}

.step-content:hover {
  transform: translateY(-4px);
  border-color: rgba(229, 152, 25, 0.25);
  box-shadow: var(--shadow-hover);
}

.step-content h3 {
  font-size: clamp(1.15rem, 2vw, 1.35rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 12px;
}

.step-content p {
  margin: 0;
  color: var(--gray-600);
  line-height: 1.8;
  font-size: 0.95rem;
}

/* ==========================================================================
   9. ACCORDIONS & FAQS
   ========================================================================== */

.loan-faq,
.lender-faq {
  max-width: 900px;
  margin: auto;
}

.accordion {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.accordion-item,
.loan-faq .accordion-item,
.lender-faq .accordion-item {
  position: relative;
  overflow: hidden;
  border: none;
  border-radius: var(--card-radius);
  background: var(--body-bg);
  box-shadow: var(--shadow-md);
  transition: var(--transition-normal);
  margin-bottom: 0;
}

.accordion-item::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: var(--gradient-primary);
  transform: scaleY(0);
  transform-origin: top;
  transition: 0.45s ease;
}

.accordion-item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.accordion-item:has(.accordion-button:not(.collapsed)) {
  box-shadow:
    0 20px 45px rgba(11, 37, 69, 0.12),
    0 6px 16px rgba(15, 23, 42, 0.06);
}

.accordion-item:has(.accordion-button:not(.collapsed))::before {
  transform: scaleY(1);
}

.accordion-button,
.loan-faq .accordion-button,
.lender-faq .accordion-button {
  background: #fff;
  border: none;
  box-shadow: none !important;
  padding: 18px 22px;
  font-size: 1rem;
  font-weight: 700;
  color: var(--heading-color);
  transition: var(--transition-normal);
}

.accordion-button:hover {
  color: var(--primary);
}

.accordion-button:not(.collapsed) {
  background: linear-gradient(
    135deg,
    rgba(11, 37, 69, 0.04),
    rgba(6, 182, 212, 0.06)
  );
  color: var(--primary);
}

.loan-faq .accordion-button:not(.collapsed) {
  background: var(--secondary-light);
  color: var(--primary);
}

.lender-faq .accordion-button:not(.collapsed) {
  background: var(--secondary-light);
  color: var(--secondary-dark);
}

.accordion-button::before {
  content: "?";
  width: 40px;
  height: 40px;
  margin-right: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: var(--gradient-primary);
  color: #fff;
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
  box-shadow: 0 8px 18px rgba(11, 37, 69, 0.2);
  transition: 0.4s;
}

.accordion-button:not(.collapsed)::before {
  transform: rotate(360deg) scale(1.05);
}

.accordion-button::after {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: #eef5ff;
  background-position: center;
  background-size: 14px;
  transition: 0.4s;
}

.loan-faq .accordion-button::after {
  background-size: 16px;
}

.accordion-button:not(.collapsed)::after {
  background-color: var(--primary);
  filter: brightness(0) invert(1);
  transform: rotate(-180deg);
}

.accordion-collapse {
  border: none;
}

.accordion-body,
.loan-faq .accordion-body,
.lender-faq .accordion-body {
  padding: 20px 22px;
  color: var(--text-color);
  font-size: 0.95rem;
  line-height: 1.8;
  background: #fff;
}

/* Custom & Model Container Accordions Override */
.model-accordion-container .accordion-item,
.container-accordion-custom .accordion-item {
  background-color: var(--white);
  border: none !important;
  border-bottom: 1px solid var(--border-light) !important;
  transition: background-color var(--transition-normal);
  box-shadow: none;
}

.model-accordion-container .accordion-item:last-child,
.container-accordion-custom .accordion-item:last-child {
  border-bottom: none !important;
}

.model-accordion-container .accordion-button,
.container-accordion-custom .accordion-button {
  padding: 20px 24px;
  font-size: 1.05rem;
  color: var(--heading-color);
  background-color: var(--white);
}

.model-accordion-container .accordion-button::before,
.container-accordion-custom .accordion-button::before {
  display: none;
}

.model-accordion-container .accordion-button:not(.collapsed),
.container-accordion-custom .accordion-button:not(.collapsed) {
  color: var(--primary) !important;
  background-color: var(--section-bg);
}

.model-accordion-container .faq-question,
.container-accordion-custom .faq-question {
  display: flex;
  align-items: center;
  gap: 12px;
}

.model-accordion-container .faq-number,
.container-accordion-custom .faq-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(11, 37, 69, 0.08);
  color: var(--primary);
  font-weight: 700;
  font-size: 14px;
  flex-shrink: 0;
}

.model-accordion-container .accordion-icon,
.container-accordion-custom .accordion-icon {
  width: 32px;
  height: 32px;
  background-color: var(--border-light);
  color: var(--text-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform var(--transition-normal), background-color var(--transition-normal), color var(--transition-normal);
  flex-shrink: 0;
}

.model-accordion-container .accordion-button:not(.collapsed) .accordion-icon,
.container-accordion-custom .accordion-button:not(.collapsed) .accordion-icon {
  transform: rotate(180deg);
  background-color: var(--primary);
  color: var(--white);
}

.model-accordion-container .accordion-body,
.container-accordion-custom .accordion-body {
  padding: 16px 24px 24px 72px;
  color: var(--text-light);
  line-height: 1.8;
}

/* ==========================================================================
   10. TABLES & COMPARISONS
   ========================================================================== */

.table-responsive {
  width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 20px;
}

.table {
  width: 100%;
  min-width: 700px;
  border-collapse: collapse;
  background: #ffffff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.table thead {
  background: var(--gradient-primary);
}

.table th {
  padding: 16px 20px;
  text-align: left;
  color: #ffffff;
  font-size: 0.9rem;
  font-weight: 700;
  white-space: nowrap;
}

.table td {
  padding: 16px 20px;
  color: var(--text-color);
  border-bottom: 1px solid rgba(15, 23, 42, 0.06);
  vertical-align: middle;
  line-height: 1.6;
}

.table tbody tr:last-child td {
  border-bottom: none;
}

.table tbody tr {
  transition: 0.3s;
}

.table tbody tr:hover {
  background: #f8fbff;
}

.table-striped tbody tr:nth-child(even) {
  background: #fafcff;
}

.table-striped tbody tr:nth-child(even):hover {
  background: #f3f8ff;
}

.table-bordered,
.table-bordered th,
.table-bordered td {
  border: 1px solid rgba(15, 23, 42, 0.08);
}

.table-sm th,
.table-sm td {
  padding: 12px 14px;
}

.table-center th,
.table-center td {
  text-align: center;
}

.table-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.table-actions .btn {
  padding: 8px 14px;
}

.table-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
}

.table-badge.success {
  background: rgba(16, 185, 129, 0.12);
  color: #10b981;
}

.table-badge.warning {
  background: rgba(245, 158, 11, 0.12);
  color: #f59e0b;
}

.table-badge.danger {
  background: rgba(239, 68, 68, 0.12);
  color: #ef4444;
}

.table-badge.info {
  background: rgba(11, 37, 69, 0.12);
  color: var(--primary);
}

.table-image {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  object-fit: cover;
}

.table-user {
  display: flex;
  align-items: center;
  gap: 12px;
}

.table-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  object-fit: cover;
}

.table-price {
  font-weight: 700;
  color: var(--primary);
}

.table-empty {
  padding: 60px 20px;
  text-align: center;
  color: var(--text-light);
}

.table-empty i {
  display: block;
  margin-bottom: 14px;
  font-size: 2.5rem;
  color: var(--primary);
}

.comparison-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  overflow: hidden;
  border-radius: 20px;
  background: #fff;
  box-shadow: var(--shadow-lg);
}

.comparison-table th,
.comparison-table td {
  padding: 16px;
  text-align: center;
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
  line-height: 1.7;
  vertical-align: top;
}

.comparison-table th:first-child,
.comparison-table td:first-child {
  text-align: left;
  font-weight: 700;
  color: var(--primary);
  background: #f8fafc;
}

.comparison-table thead th {
  background: var(--primary);
  color: #fff;
  font-size: 15px;
}

.comparison-table thead img {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  margin-right: 8px;
  vertical-align: middle;
}

.comparison-table tbody tr:hover {
  background: rgba(var(--primary-rgb), 0.04);
}

.comparison-table tbody tr:nth-child(even) {
  background: #fafafa;
}

/* ==========================================================================
   11. SLIDER & SWIPER COMPONENTS
   ========================================================================== */

.slider {
  position: relative;
  overflow: hidden;
}

.slider .swiper {
  overflow: visible;
  padding: 10px 4px 50px;
}

.slider-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-top: 32px;
}

.slider-btn {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  border-radius: 50%;
  cursor: pointer;
  background: #ffffff;
  color: var(--primary);
  box-shadow: var(--shadow-md);
  transition: 0.35s;
}

.slider-btn:hover {
  background: var(--gradient-primary);
  color: #ffffff;
  box-shadow: var(--shadow-lg);
}

.slider-btn.swiper-button-disabled {
  opacity: 0.45;
  cursor: not-allowed;
  pointer-events: none;
}

.slider-pagination {
  margin-top: 28px;
  text-align: center;
}

.slider-pagination .swiper-pagination-bullet {
  width: 8px;
  height: 8px;
  margin: 0 5px !important;
  background: #cbd5e1;
  opacity: 1;
  transition: 0.35s;
}

.slider-pagination .swiper-pagination-bullet-active {
  width: 24px;
  border-radius: 999px;
  background: var(--primary);
}

.slider-fraction {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 16px;
  color: var(--text-light);
  font-weight: 600;
}

.slider-scrollbar {
  margin-top: 20px;
  border-radius: 999px;
  background: #e2e8f0;
}

.slider-scrollbar .swiper-scrollbar-drag {
  background: var(--gradient-primary);
  border-radius: 999px;
}

.slide-card {
  height: 100%;
  border-radius: 24px;
  overflow: hidden;
  background: #ffffff;
  box-shadow: var(--shadow-md);
  transition: transform 0.35s, box-shadow 0.35s;
}

.slide-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.slide-image {
  position: relative;
  overflow: hidden;
}

.slide-image img {
  width: 100%;
  display: block;
  transition: transform 0.45s ease;
}

.slide-card:hover .slide-image img {
  transform: scale(1.08);
}

.slide-content {
  padding: 24px;
}

.slide-content h3 {
  margin-bottom: 10px;
}

.slide-content p {
  color: var(--text-light);
  line-height: 1.75;
}

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(15, 23, 42, 0.45), transparent 65%);
}

.slide-badge {
  position: absolute;
  top: 16px;
  left: 16px;
  padding: 6px 14px;
  border-radius: 999px;
  background: #ffffff;
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 600;
  box-shadow: var(--shadow-md);
}

.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  border-radius: 50%;
  cursor: pointer;
  z-index: 5;
  background: rgba(255, 255, 255, 0.95);
  color: var(--primary);
  box-shadow: var(--shadow-lg);
  transition: 0.35s;
}

.slider-arrow:hover {
  background: var(--gradient-primary);
  color: #ffffff;
}

.slider-prev {
  left: -24px;
}

.slider-next {
  right: -24px;
}

/* ==========================================================================
   12. TABS & POLICIES
   ========================================================================== */

.nav-pills {
  display: flex;
  flex-wrap: wrap;
}

.nav-pills .nav-link {
  padding: 12px 24px;
  border-radius: 50px;
  border: 1px solid rgba(11, 37, 69, 0.12);
  background: #ffffff;
  color: var(--heading-color);
  font-weight: 600;
  transition: all 0.35s ease;
}

.nav-pills .nav-link:hover {
  color: var(--primary);
  border-color: var(--primary);
}

.nav-pills .nav-link.active {
  background: var(--gradient-primary);
  color: #ffffff;
  border-color: transparent;
  box-shadow: 0 12px 28px rgba(11, 37, 69, 0.2);
}

.tab-content > .tab-pane {
  display: none !important;
}

.tab-content > .tab-pane.active {
  display: block !important;
}

.tab-content > .tab-pane > .card {
  padding: 32px;
}

.policy-content {
  max-width: 950px;
  margin: auto;
}

.policy-section {
  padding: 24px 0;
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
}

.policy-section:last-child {
  border-bottom: none;
}

.policy-title {
  margin-bottom: 12px;
  font-size: 1.5rem;
  font-weight: 700;
}

.policy-text {
  color: var(--text-light);
  line-height: 1.85;
}

/* ==========================================================================
   13. UNIVERSITY CARDS & PROGRAM TAGS
   ========================================================================== */

.university-card {
  height: 100%;
  overflow: hidden;
}

.university-image {
  position: relative;
  overflow: hidden;
  aspect-ratio: 16/10;
}

.university-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.university-card:hover .university-image img {
  transform: scale(1.08);
}

.card-icon img {
  width: 36px;
  height: 36px;
  object-fit: contain;
  display: block;
}

.university-content {
  padding: 22px;
}

.university-content h3 {
  margin: 14px 0 6px;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--heading-color);
}

.university-content p {
  color: var(--text-light);
  margin-bottom: 16px;
}

.university-country-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(var(--primary-rgb), 0.08);
  border: 1px solid rgba(var(--primary-rgb), 0.15);
}

.university-country-badge img {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  object-fit: cover;
  border: 1px solid rgba(15, 23, 42, 0.08);
}

.university-country-badge span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--heading-color);
}

.program-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 18px 0;
}

.program-tags span {
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(var(--primary-rgb), 0.08);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 600;
}

.university-meta {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}

.university-meta li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
  color: var(--text-color);
  font-size: 0.9rem;
}

.university-meta li:last-child {
  border-bottom: none;
}

.university-meta i {
  width: 16px;
  color: var(--primary);
}

.university-card .btn {
  width: 100%;
}

/* ==========================================================================
   14. PAGE NAVIGATION & CTAS
   ========================================================================== */

.page-navigation {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: clamp(28px, 4vw, 48px);
  padding: clamp(14px, 2vw, 20px);
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 8px 30px rgba(15, 23, 42, 0.05);
}

.page-navigation span {
  font-weight: 700;
  color: var(--primary);
}

.page-navigation a {
  padding: 8px 16px;
  border-radius: 50px;
  background: #f8fafc;
  color: var(--gray-700);
  font-size: 0.85rem;
  font-weight: 600;
  transition: 0.35s;
}

.page-navigation a:hover {
  background: var(--secondary);
  color: #fff;
}

/* --- Final Call To Action --- */
.loan-final-cta {
  padding: clamp(48px, 6vw, 80px) 0;
  background: linear-gradient(135deg, #0b2545 0%, #163d66 100%);
  position: relative;
  overflow: hidden;
}

.loan-final-cta::before,
.loan-final-cta::after {
  content: "";
  position: absolute;
  border-radius: 50%;
}

.loan-final-cta::before {
  width: 350px;
  height: 350px;
  background: rgba(255, 255, 255, 0.05);
  top: -150px;
  right: -120px;
}

.loan-final-cta::after {
  width: 280px;
  height: 280px;
  background: rgba(229, 152, 25, 0.1);
  left: -100px;
  bottom: -100px;
}

.cta-box {
  position: relative;
  z-index: 2;
  max-width: 900px;
  margin: auto;
  text-align: center;
  color: #fff;
}

.cta-box h2,
.loan-final-cta h2 {
  font-size: clamp(1.8rem, 4vw, 2.75rem);
  font-weight: 800;
  margin: 18px 0;
  line-height: 1.2;
  color: #fff;
}

.loan-final-cta .section-tag {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.2);
}

.loan-final-cta p {
  max-width: 760px;
  margin: 0 auto 36px;
  font-size: clamp(0.95rem, 1.2vw, 1.08rem);
  line-height: 1.85;
  color: rgba(255, 255, 255, 0.85);
}

.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

.cta-buttons .btn {
  min-width: 220px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  font-size: 16px;
  font-weight: 700;
  transition: 0.35s;
}

.cta-buttons .btn-primary {
  background: var(--gradient-gold);
  border: none;
  color: #fff;
  box-shadow: 0 16px 32px rgba(229, 152, 25, 0.28);
}

.cta-buttons .btn-primary:hover {
  transform: translateY(-4px);
}

.cta-buttons .btn-outline-light {
  border: 2px solid rgba(255, 255, 255, 0.3);
  color: #fff;
  background: transparent;
}

.cta-buttons .btn-outline-light:hover {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
}

/* ==========================================================================
   15. UTILITIES, HELPERS & FLOATING BUTTONS
   ========================================================================== */

.object-cover {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

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

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

.img-hover {
  overflow: hidden;
  border-radius: inherit;
}

.img-hover img {
  width: 100%;
  display: block;
  transition: transform 0.45s ease, filter 0.45s ease;
}

.img-hover:hover img {
  transform: scale(1.08);
  filter: brightness(1.05);
}

.gradient-text {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.fa-solid,
.fas {
  line-height: 1;
  vertical-align: middle;
  transition: transform 0.3s ease, color 0.3s ease;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.icon-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.icon-circle .fa-solid {
  font-size: 1.35rem;
}

/* --- Floating Buttons --- */
#backToTop {
  position: fixed;
  right: 25px;
  bottom: 30px;
  width: 50px;
  height: 50px;
  border: none;
  border-radius: 50%;
  background: linear-gradient(135deg, #0b2545, #173d6d);
  color: #fff;
  font-size: 18px;
  box-shadow: 0 12px 28px rgba(11, 37, 69, 0.3);
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: 0.35s;
  z-index: 999;
}

#backToTop.show {
  opacity: 1;
  visibility: visible;
}

#backToTop:hover {
  transform: translateY(-4px);
}

.whatsapp-float {
  position: fixed;
  left: 25px;
  bottom: 30px;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #25d366;
  color: #fff;
  font-size: 28px;
  box-shadow: 0 12px 32px rgba(37, 211, 102, 0.3);
  z-index: 999;
  transition: 0.35s;
  animation: whatsappPulse 2s infinite;
}

.whatsapp-float:hover {
  transform: translateY(-5px);
  color: #fff;
}

/*=====================================================
POPULAR MBA DESTINATIONS
======================================================*/

.destination-card{
    position:relative;
    height:100%;
    padding:36px 30px 32px;
    background:#ffffff;
    border:1px solid #dfe7f0;
    border-radius:24px;
    text-align:center;
    overflow:hidden;
    box-shadow:0 8px 24px rgba(15,45,80,.05);
    transition:
        transform .3s ease,
        box-shadow .3s ease,
        border-color .3s ease;
}

/* Soft decorative shape */
.destination-card::after{
    content:"";
    position:absolute;
    width:120px;
    height:120px;
    right:-45px;
    bottom:-45px;
    background:rgba(245,166,35,.06);
    border-radius:50%;
    pointer-events:none;
}

/* Hover */
.destination-card:hover{
    transform:translateY(-8px);
    border-color:#f0b44d;
    box-shadow:0 18px 40px rgba(15,45,80,.10);
}


/*=====================================================
DESTINATION ICON
======================================================*/

.destination-icon{
    width:90px;
    height:90px;
    margin:0 auto 26px;

    display:flex;
    align-items:center;
    justify-content:center;

    background:#fff8ec;
    border-radius:22px;

    font-size:42px;
    line-height:1;

    position:relative;
    z-index:1;

    transition:
        transform .3s ease,
        background .3s ease;
}

.destination-card:hover .destination-icon{
    transform:translateY(-4px) scale(1.04);
    background:#fff4df;
}


/*=====================================================
DESTINATION TITLE
======================================================*/

.destination-card h3{
    position:relative;
    z-index:1;

    margin:0 0 16px;

    color:#0b2548;
    font-size:24px;
    font-weight:700;
    line-height:1.3;
}


/*=====================================================
DESTINATION DESCRIPTION
======================================================*/

.destination-card p{
    position:relative;
    z-index:1;

    margin:0 auto 22px;

    max-width:390px;

    color:#53657d;
    font-size:16px;
    line-height:1.8;
}


/*=====================================================
DESTINATION FEATURES
======================================================*/

.destination-card ul{
    position:relative;
    z-index:1;

    margin:0;
    padding:0;

    list-style:none;

    text-align:left;
}

.destination-card ul li{
    display:flex;
    align-items:center;
    gap:10px;

    margin-bottom:11px;

    color:#344861;
    font-size:15px;
    line-height:1.5;
}

.destination-card ul li:last-child{
    margin-bottom:0;
}

.destination-card ul li i{
    flex:0 0 auto;

    width:20px;
    height:20px;

    display:flex;
    align-items:center;
    justify-content:center;

    border-radius:50%;

    background:#fff3dc;
    color:#e99a13;

    font-size:10px;
}


/*=====================================================
SECTION SPACING
======================================================*/

.section.section-padding.bg-light{
    padding-top:90px;
    padding-bottom:90px;
}


/*=====================================================
SECTION HEADING
======================================================*/

.section.section-padding.bg-light .section-tag{
    margin-bottom:18px;
}

.section.section-padding.bg-light .section-title{
    margin-bottom:16px;
}

.section.section-padding.bg-light .section-description{
    max-width:900px;
    margin-left:auto;
    margin-right:auto;
}


/*=====================================================
TABLET
======================================================*/

@media(max-width:991px){

    .destination-card{
        padding:32px 26px 30px;
        border-radius:22px;
    }

    .destination-icon{
        width:82px;
        height:82px;
        margin-bottom:22px;
        font-size:38px;
    }

    .destination-card h3{
        font-size:22px;
    }

    .destination-card p{
        font-size:15px;
        line-height:1.75;
    }

}


/*=====================================================
MOBILE
======================================================*/

@media(max-width:767px){

    .section.section-padding.bg-light{
        padding-top:70px;
        padding-bottom:70px;
    }

    .destination-card{
        padding:30px 24px;
        border-radius:20px;
    }

    .destination-icon{
        width:78px;
        height:78px;
        margin-bottom:20px;
        font-size:36px;
        border-radius:20px;
    }

    .destination-card h3{
        font-size:21px;
        margin-bottom:13px;
    }

    .destination-card p{
        font-size:15px;
        line-height:1.7;
        margin-bottom:20px;
    }

    .destination-card ul li{
        font-size:14px;
    }

}


/*=====================================================
SMALL MOBILE
======================================================*/

@media(max-width:575px){

    .destination-card{
        padding:28px 22px;
    }

    .destination-icon{
        width:74px;
        height:74px;
        font-size:34px;
    }

    .destination-card h3{
        font-size:20px;
    }

}

@media (max-width: 992px) {

  .hero-scroll
  {
    display: none !important;
  }

}