/**
 * Dalla Loan Finance — Premium Public Design System v2
 * Ultra-modern Fintech Aesthetic · Glassmorphism · Ambient Glow · Micro-animations
 */

/* ═══════════════════════════════════════════════════════════════
   1. DESIGN TOKENS & CSS CUSTOM PROPERTIES
   ═══════════════════════════════════════════════════════════════ */
:root {
  /* Core Brand Palette */
  --dalla-obsidian: #06101E;
  --dalla-primary: #0B1F3A;
  --dalla-primary-dark: #040D1A;
  --dalla-primary-mid: #122B4D;
  --dalla-secondary: #155EEF;
  --dalla-secondary-hover: #0d4ecc;
  --dalla-secondary-light: #eff4ff;
  --dalla-secondary-glow: rgba(21, 94, 239, 0.15);

  /* Accent Palette */
  --dalla-success: #10B981;
  --dalla-success-dark: #059669;
  --dalla-success-light: #ecfdf5;
  --dalla-success-border: #a7f3d0;
  --dalla-warning: #F59E0B;
  --dalla-warning-light: #fffbeb;
  --dalla-danger: #EF4444;
  --dalla-violet: #7C3AED;
  --dalla-violet-light: #f5f3ff;
  --dalla-pink: #EC4899;

  /* Neutrals */
  --dalla-bg: #F8FAFD;
  --dalla-bg-alt: #F1F5F9;
  --dalla-card: #FFFFFF;
  --dalla-text: #0F172A;
  --dalla-text-secondary: #475569;
  --dalla-text-muted: #64748B;
  --dalla-border: #E2E8F0;
  --dalla-border-light: #F1F5F9;

  /* Glass Effects */
  --glass-bg: rgba(255, 255, 255, 0.72);
  --glass-border: rgba(255, 255, 255, 0.25);
  --glass-blur: 20px;
  --glass-dark-bg: rgba(11, 31, 58, 0.85);
  --glass-dark-border: rgba(255, 255, 255, 0.08);

  /* Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 22px;
  --radius-xl: 28px;
  --radius-2xl: 32px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 8px 24px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 16px 48px rgba(15, 23, 42, 0.10);
  --shadow-xl: 0 24px 64px rgba(15, 23, 42, 0.14);
  --shadow-glow-blue: 0 0 40px rgba(21, 94, 239, 0.15);
  --shadow-glow-green: 0 0 40px rgba(16, 185, 129, 0.12);
  --shadow-glow-amber: 0 0 30px rgba(245, 158, 11, 0.15);

  /* Transitions */
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --ease-smooth: cubic-bezier(0.16, 1, 0.3, 1);
  --transition: all 0.3s var(--ease-smooth);
  --transition-fast: all 0.15s ease;
  --transition-slow: all 0.5s var(--ease-smooth);
}

/* ═══════════════════════════════════════════════════════════════
   2. BASE RESETS & GLOBAL TYPOGRAPHY
   ═══════════════════════════════════════════════════════════════ */
*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--dalla-text);
  background-color: var(--dalla-bg);
  line-height: 1.65;
  margin: 0;
  padding: 0;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--dalla-text);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.025em;
}

a {
  color: var(--dalla-secondary);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--dalla-secondary-hover);
}

::selection {
  background: var(--dalla-secondary);
  color: #ffffff;
}

/* ═══════════════════════════════════════════════════════════════
   3. KEYFRAME ANIMATIONS
   ═══════════════════════════════════════════════════════════════ */
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(1.3); }
}

@keyframes float-subtle {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

@keyframes fade-in-up {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes glow-pulse {
  0%, 100% { box-shadow: 0 0 20px rgba(21, 94, 239, 0.15); }
  50% { box-shadow: 0 0 40px rgba(21, 94, 239, 0.30); }
}

@keyframes gradient-shift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

@keyframes orbit-slow {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

/* ═══════════════════════════════════════════════════════════════
   4. TOP COMPLIANCE BAR
   ═══════════════════════════════════════════════════════════════ */
.top-compliance-bar {
  background: var(--dalla-primary-dark);
  color: #94A3B8;
  font-size: 0.8rem;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  letter-spacing: 0.01em;
}

.top-compliance-bar a {
  color: #94A3B8;
  font-weight: 500;
}

.top-compliance-bar a:hover {
  color: #ffffff;
}

/* ═══════════════════════════════════════════════════════════════
   5. GLASSMORPHIC NAVIGATION BAR
   ═══════════════════════════════════════════════════════════════ */
.public-navbar {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border-bottom: 1px solid var(--dalla-border);
  position: sticky;
  top: 0;
  z-index: 1020;
  transition: var(--transition);
  padding: 14px 0;
}

.public-navbar.scrolled {
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 4px 30px rgba(15, 23, 42, 0.08);
  padding: 10px 0;
  border-color: transparent;
}

.navbar-brand-dalla {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-icon-box {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--dalla-primary) 0%, var(--dalla-secondary) 100%);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1.3rem;
  box-shadow: 0 4px 16px rgba(21, 94, 239, 0.3);
  transition: var(--transition);
  position: relative;
}

.brand-icon-box::after {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(21, 94, 239, 0.3), transparent);
  z-index: -1;
  opacity: 0;
  transition: var(--transition);
}

.navbar-brand-dalla:hover .brand-icon-box::after {
  opacity: 1;
}

.brand-text-main {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--dalla-primary);
  letter-spacing: -0.04em;
  line-height: 1;
}

.brand-text-sub {
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--dalla-secondary);
  line-height: 1;
  margin-top: 3px;
}

.nav-link-dalla {
  color: var(--dalla-text-secondary);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 8px 14px !important;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav-link-dalla::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 14px;
  right: 14px;
  height: 2px;
  background: var(--dalla-secondary);
  border-radius: 1px;
  transform: scaleX(0);
  transition: transform 0.25s var(--ease-smooth);
}

.nav-link-dalla:hover {
  color: var(--dalla-secondary);
  background: var(--dalla-secondary-light);
}

.nav-link-dalla:hover::after {
  transform: scaleX(1);
}

/* ═══════════════════════════════════════════════════════════════
   6. PREMIUM BUTTON SYSTEM
   ═══════════════════════════════════════════════════════════════ */
.btn-dalla-primary {
  background: linear-gradient(135deg, var(--dalla-secondary) 0%, #3B82F6 50%, var(--dalla-secondary) 100%);
  background-size: 200% auto;
  color: #ffffff;
  font-weight: 700;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  border: none;
  box-shadow: 0 4px 16px rgba(21, 94, 239, 0.30);
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  position: relative;
  overflow: hidden;
}

.btn-dalla-primary::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.15), transparent);
  transition: left 0.6s ease;
}

.btn-dalla-primary:hover {
  color: #ffffff;
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(21, 94, 239, 0.40);
  background-position: right center;
}

.btn-dalla-primary:hover::before {
  left: 100%;
}

.btn-dalla-primary:active {
  transform: translateY(-1px);
}

.btn-dalla-outline {
  background: #ffffff;
  color: var(--dalla-text);
  font-weight: 700;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--dalla-border);
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.btn-dalla-outline:hover {
  background: var(--dalla-bg);
  border-color: var(--dalla-secondary);
  color: var(--dalla-secondary);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.btn-dalla-success {
  background: linear-gradient(135deg, var(--dalla-success) 0%, var(--dalla-success-dark) 100%);
  color: #ffffff;
  font-weight: 700;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  border: none;
  box-shadow: var(--shadow-glow-green);
  transition: var(--transition);
}

.btn-dalla-success:hover {
  color: #ffffff;
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(16, 185, 129, 0.35);
}

/* ═══════════════════════════════════════════════════════════════
   7. SECTION HEADERS
   ═══════════════════════════════════════════════════════════════ */
.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  background: var(--dalla-secondary-light);
  color: var(--dalla-secondary);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.02em;
  border: 1px solid rgba(21, 94, 239, 0.12);
  margin-bottom: 16px;
}

.section-title {
  font-size: 2.8rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: var(--dalla-text);
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--dalla-text-muted);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ═══════════════════════════════════════════════════════════════
   8. HERO SECTION
   ═══════════════════════════════════════════════════════════════ */
.hero-section {
  position: relative;
  padding: 80px 0 90px 0;
  background: var(--dalla-bg);
  overflow: hidden;
}

/* Ambient Gradient Mesh Orbs */
.hero-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  top: -200px;
  left: -100px;
  background: radial-gradient(circle, rgba(21, 94, 239, 0.08) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
  animation: float-subtle 12s ease-in-out infinite;
}

.hero-section::after {
  content: '';
  position: absolute;
  width: 500px;
  height: 500px;
  bottom: -150px;
  right: -80px;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
  animation: float-subtle 15s ease-in-out infinite reverse;
}

.hero-pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 20px;
  border-radius: var(--radius-full);
  background: #ffffff;
  border: 1px solid var(--dalla-border);
  box-shadow: var(--shadow-sm);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--dalla-text);
  margin-bottom: 24px;
  animation: fade-in-up 0.6s var(--ease-smooth);
}

.hero-pill-badge .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--dalla-success);
  display: inline-block;
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
  animation: pulse-dot 2s infinite;
}

.hero-title {
  font-size: 3.5rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.1;
  color: var(--dalla-text);
  margin-bottom: 22px;
  animation: fade-in-up 0.7s var(--ease-smooth) 0.1s both;
}

.hero-title .text-highlight {
  background: linear-gradient(135deg, var(--dalla-secondary) 0%, #3B82F6 40%, var(--dalla-violet) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: gradient-shift 6s ease infinite;
}

.hero-desc {
  font-size: 1.18rem;
  color: var(--dalla-text-muted);
  max-width: 520px;
  margin-bottom: 32px;
  line-height: 1.75;
  animation: fade-in-up 0.7s var(--ease-smooth) 0.2s both;
}

.hero-feature-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 32px;
  animation: fade-in-up 0.7s var(--ease-smooth) 0.4s both;
}

.hero-feature-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--dalla-text-secondary);
  background: #ffffff;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--dalla-border);
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
}

.hero-feature-item:hover {
  border-color: var(--dalla-secondary);
  box-shadow: var(--shadow-glow-blue);
  transform: translateY(-2px);
}

.hero-feature-item i {
  color: var(--dalla-success);
  font-size: 1rem;
}

/* Floating Social Proof Widgets */
.hero-social-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
  animation: fade-in-up 0.7s var(--ease-smooth) 0.5s both;
}

.social-proof-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #ffffff;
  border: 1px solid var(--dalla-border);
  border-radius: var(--radius-full);
  padding: 6px 16px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--dalla-text-secondary);
  box-shadow: var(--shadow-sm);
  animation: float-subtle 6s ease-in-out infinite;
}

.social-proof-chip:nth-child(2) { animation-delay: 1s; }
.social-proof-chip:nth-child(3) { animation-delay: 2s; }

/* Quick Check Card - Glass Effect */
.quick-check-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1px solid var(--dalla-border);
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
  animation: fade-in-up 0.8s var(--ease-smooth) 0.3s both;
}

.quick-check-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--dalla-secondary), var(--dalla-violet), var(--dalla-success));
  background-size: 200% auto;
  animation: gradient-shift 4s ease infinite;
}

.quick-check-card::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, var(--dalla-secondary-glow) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
  opacity: 0.5;
}

/* Trust Metrics Strip */
.trust-strip-section {
  background: #ffffff;
  border-top: 1px solid var(--dalla-border);
  border-bottom: 1px solid var(--dalla-border);
  padding: 36px 0;
  position: relative;
}

.trust-metric-box {
  display: flex;
  align-items: center;
  gap: 16px;
  transition: var(--transition);
}

.trust-metric-box:hover {
  transform: translateY(-2px);
}

.trust-metric-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
  transition: var(--transition);
}

.trust-metric-val {
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--dalla-text);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.trust-metric-lbl {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--dalla-text-muted);
}

/* ═══════════════════════════════════════════════════════════════
   9. LOAN PRODUCT CARDS
   ═══════════════════════════════════════════════════════════════ */
.loan-product-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--dalla-border);
  padding: 32px;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.loan-product-card::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: var(--radius-lg);
  padding: 1px;
  background: linear-gradient(135deg, transparent, var(--dalla-secondary-glow), transparent);
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.4s ease;
  pointer-events: none;
}

.loan-product-card:hover {
  transform: translateY(-8px);
  border-color: transparent;
  box-shadow: var(--shadow-lg), var(--shadow-glow-blue);
}

.loan-product-card:hover::after {
  opacity: 1;
}

.loan-product-card .card-top-icon {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--dalla-secondary-light) 0%, #dbeafe 100%);
  color: var(--dalla-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
  transition: var(--transition);
  position: relative;
}

.loan-product-card:hover .card-top-icon {
  background: linear-gradient(135deg, var(--dalla-secondary) 0%, #3B82F6 100%);
  color: #ffffff;
  box-shadow: var(--shadow-glow-blue);
}

.loan-product-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--dalla-success-light);
  color: var(--dalla-success-dark);
  border: 1px solid var(--dalla-success-border);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.loan-spec-badge {
  background: var(--dalla-bg);
  border: 1px solid var(--dalla-border);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  transition: var(--transition);
}

.loan-spec-badge:hover {
  border-color: var(--dalla-secondary);
  background: var(--dalla-secondary-light);
}

.loan-spec-badge .spec-label {
  font-size: 0.72rem;
  color: var(--dalla-text-muted);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.loan-spec-badge .spec-value {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--dalla-text);
}

/* ═══════════════════════════════════════════════════════════════
   10. EMI CALCULATOR
   ═══════════════════════════════════════════════════════════════ */
.calculator-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--dalla-border);
  padding: 40px;
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.calculator-card::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, var(--dalla-secondary-glow) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
  opacity: 0.4;
}

.calc-summary-card {
  background: linear-gradient(160deg, var(--dalla-primary) 0%, var(--dalla-primary-mid) 50%, #1a3a6b 100%);
  border-radius: var(--radius-xl);
  padding: 40px;
  color: #ffffff;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.calc-summary-card::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -20%;
  width: 250px;
  height: 250px;
  background: radial-gradient(circle, rgba(21, 94, 239, 0.25) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
  animation: float-subtle 10s ease-in-out infinite;
}

.calc-summary-card::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -15%;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(124, 58, 237, 0.15) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

/* Custom Range Slider */
.custom-range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--dalla-secondary-light) 0%, #e2e8f0 100%);
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
  transition: background 0.2s ease;
}

.custom-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--dalla-secondary), #3B82F6);
  cursor: pointer;
  box-shadow: 0 0 0 5px rgba(21, 94, 239, 0.15), var(--shadow-sm);
  transition: var(--transition);
  border: 3px solid #ffffff;
}

.custom-range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 0 8px rgba(21, 94, 239, 0.15), 0 0 20px rgba(21, 94, 239, 0.3);
}

.custom-range-slider::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--dalla-secondary), #3B82F6);
  cursor: pointer;
  box-shadow: 0 0 0 5px rgba(21, 94, 239, 0.15), var(--shadow-sm);
  border: 3px solid #ffffff;
}

/* Tenure Chips */
.tenure-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  border: 1.5px solid var(--dalla-border);
  background: #ffffff;
  color: var(--dalla-text-secondary);
  font-weight: 700;
  font-size: 0.85rem;
  cursor: pointer;
  transition: var(--transition);
}

.tenure-chip:hover, .tenure-chip.active {
  background: var(--dalla-secondary);
  border-color: var(--dalla-secondary);
  color: #ffffff;
  box-shadow: var(--shadow-glow-blue);
}

/* ═══════════════════════════════════════════════════════════════
   11. WHY DALLA — BENTO GRID FEATURE CARDS
   ═══════════════════════════════════════════════════════════════ */
.why-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--dalla-border);
  padding: 32px;
  height: 100%;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, var(--dalla-secondary-glow) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.4s ease;
  pointer-events: none;
}

.why-card:hover {
  transform: translateY(-6px);
  border-color: transparent;
  box-shadow: var(--shadow-lg);
}

.why-card:hover::before {
  opacity: 1;
}

.why-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  transition: var(--transition);
}

.why-card:hover .why-icon {
  transform: scale(1.08);
}

/* ═══════════════════════════════════════════════════════════════
   12. HOW IT WORKS — TIMELINE PROCESS CARDS
   ═══════════════════════════════════════════════════════════════ */
.process-step-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--dalla-border);
  padding: 32px 28px;
  text-align: center;
  position: relative;
  height: 100%;
  transition: var(--transition);
}

.process-step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.process-step-num {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, var(--dalla-primary) 0%, var(--dalla-primary-mid) 100%);
  color: #ffffff;
  border-radius: var(--radius-md);
  font-weight: 800;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px auto;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}

.process-step-card:hover .process-step-num {
  transform: scale(1.1) rotate(-3deg);
  box-shadow: var(--shadow-glow-blue);
}

.process-time-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--dalla-success-dark);
  background: var(--dalla-success-light);
  border: 1px solid var(--dalla-success-border);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-top: 14px;
}

/* Timeline connector line (desktop) */
.process-connector {
  position: relative;
}

.process-connector::after {
  content: '';
  position: absolute;
  top: 50%;
  right: -16px;
  width: 32px;
  height: 2px;
  background: linear-gradient(90deg, var(--dalla-border), var(--dalla-secondary), var(--dalla-border));
  z-index: 1;
}

/* ═══════════════════════════════════════════════════════════════
   13. TRANSPARENCY & REGULATORY
   ═══════════════════════════════════════════════════════════════ */
.transparency-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--dalla-border);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.transparency-table th {
  background: var(--dalla-bg);
  color: var(--dalla-text);
  font-weight: 700;
  padding: 16px 22px;
  border-bottom: 2px solid var(--dalla-border);
  font-size: 0.9rem;
}

.transparency-table td {
  padding: 18px 22px;
  border-bottom: 1px solid var(--dalla-border-light);
  color: var(--dalla-text);
  font-size: 0.95rem;
  transition: background 0.2s ease;
}

.transparency-table tr:hover td {
  background: var(--dalla-bg);
}

.regulatory-trust-box {
  background: #ffffff;
  border: 1.5px solid var(--dalla-border);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.regulatory-trust-box::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, var(--dalla-secondary-glow) 0%, transparent 70%);
  pointer-events: none;
  opacity: 0.3;
}

.regulatory-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 16px;
  border-radius: var(--radius-sm);
  background: var(--dalla-success-light);
  color: var(--dalla-success-dark);
  border: 1px solid var(--dalla-success-border);
  font-weight: 700;
  font-size: 0.85rem;
}

/* ═══════════════════════════════════════════════════════════════
   14. FAQ ACCORDION
   ═══════════════════════════════════════════════════════════════ */
.dalla-accordion .accordion-item {
  border: 1px solid var(--dalla-border);
  border-radius: var(--radius-md) !important;
  margin-bottom: 12px;
  overflow: hidden;
  background: #ffffff;
  transition: var(--transition);
}

.dalla-accordion .accordion-item:hover {
  box-shadow: var(--shadow-sm);
}

.dalla-accordion .accordion-button {
  font-weight: 700;
  color: var(--dalla-text);
  padding: 20px 26px;
  font-size: 1.05rem;
  background: #ffffff;
  box-shadow: none;
  gap: 10px;
}

.dalla-accordion .accordion-button:not(.collapsed) {
  background: var(--dalla-secondary-light);
  color: var(--dalla-secondary);
  border-bottom: 1px solid rgba(21, 94, 239, 0.1);
}

.dalla-accordion .accordion-button::after {
  transition: transform 0.35s var(--ease-spring);
}

.dalla-accordion .accordion-body {
  padding: 20px 26px;
  color: var(--dalla-text-muted);
  font-size: 0.98rem;
  line-height: 1.75;
}

/* ═══════════════════════════════════════════════════════════════
   15. APPLICATION TRACKING CARD
   ═══════════════════════════════════════════════════════════════ */
.tracking-card {
  background: linear-gradient(150deg, var(--dalla-primary) 0%, var(--dalla-primary-mid) 40%, #1e3a5f 100%);
  border-radius: var(--radius-xl);
  padding: 48px;
  color: #ffffff;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.tracking-card::before {
  content: '';
  position: absolute;
  top: -60%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(21, 94, 239, 0.2) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.tracking-input {
  background: rgba(255, 255, 255, 0.08);
  border: 1.5px solid rgba(255, 255, 255, 0.15);
  color: #ffffff;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 1rem;
  transition: var(--transition);
  backdrop-filter: blur(8px);
}

.tracking-input:focus {
  background: rgba(255, 255, 255, 0.12);
  border-color: var(--dalla-secondary);
  color: #ffffff;
  box-shadow: 0 0 0 4px rgba(21, 94, 239, 0.2);
}

.tracking-input::placeholder {
  color: rgba(255, 255, 255, 0.45);
}

/* ═══════════════════════════════════════════════════════════════
   16. FOOTER
   ═══════════════════════════════════════════════════════════════ */
.public-footer {
  background: var(--dalla-primary-dark);
  color: #94A3B8;
  padding: 80px 0 30px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  position: relative;
}

.public-footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 80%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(21, 94, 239, 0.3), transparent);
}

.footer-heading {
  color: #ffffff;
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 22px;
  letter-spacing: -0.01em;
  text-transform: uppercase;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
}

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

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: #94A3B8;
  font-size: 0.9rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a::before {
  content: '';
  width: 0;
  height: 1.5px;
  background: var(--dalla-secondary);
  transition: width 0.25s ease;
}

.footer-links a:hover {
  color: #ffffff;
  padding-left: 0;
}

.footer-links a:hover::before {
  width: 12px;
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  padding: 28px;
  font-size: 0.78rem;
  line-height: 1.8;
  color: #64748B;
  margin: 48px 0 30px 0;
}

/* ═══════════════════════════════════════════════════════════════
   17. MOBILE STICKY BOTTOM NAVIGATION
   ═══════════════════════════════════════════════════════════════ */
.mobile-bottom-nav {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-top: 1px solid var(--dalla-border);
  padding: 8px 12px 12px 12px;
  z-index: 1030;
  box-shadow: 0 -6px 24px rgba(0, 0, 0, 0.08);
}

.mobile-bottom-nav-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-decoration: none;
  color: var(--dalla-text-muted);
  font-size: 0.7rem;
  font-weight: 600;
  gap: 4px;
  transition: var(--transition);
  flex: 1;
  padding: 4px 0;
}

.mobile-bottom-nav-item i {
  font-size: 1.2rem;
}

.mobile-bottom-nav-item.active,
.mobile-bottom-nav-item:hover {
  color: var(--dalla-secondary);
}

.mobile-bottom-nav-item.highlight {
  color: #ffffff;
  background: linear-gradient(135deg, var(--dalla-secondary), #3B82F6);
  border-radius: var(--radius-sm);
  padding: 6px 0;
  font-weight: 700;
  box-shadow: var(--shadow-glow-blue);
}

.mobile-bottom-nav-item.highlight i {
  color: #ffffff;
}

/* ═══════════════════════════════════════════════════════════════
   18. UTILITY CLASSES
   ═══════════════════════════════════════════════════════════════ */
.glass-card {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
}

.dark-glass-card {
  background: var(--glass-dark-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border: 1px solid var(--glass-dark-border);
  border-radius: var(--radius-lg);
}

.gradient-text {
  background: linear-gradient(135deg, var(--dalla-secondary), var(--dalla-violet));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.glow-border {
  box-shadow: 0 0 0 1px var(--dalla-border), var(--shadow-glow-blue);
}

.animate-in {
  animation: fade-in-up 0.6s var(--ease-smooth) both;
}

/* ═══════════════════════════════════════════════════════════════
   19. RESPONSIVE BREAKPOINTS
   ═══════════════════════════════════════════════════════════════ */
@media (max-width: 1199px) {
  .section-title {
    font-size: 2.4rem;
  }
  .hero-title {
    font-size: 2.8rem;
  }
}

@media (max-width: 991px) {
  .hero-section {
    padding: 50px 0 60px 0;
  }
  .hero-title {
    font-size: 2.4rem;
  }
  .section-title {
    font-size: 2rem;
  }
  .mobile-bottom-nav {
    display: flex;
  }
  body {
    padding-bottom: 72px;
  }
  .quick-check-card {
    padding: 28px;
    margin-top: 32px;
  }
  .calculator-card, .calc-summary-card {
    padding: 28px;
  }
  .tracking-card {
    padding: 32px;
  }
  .process-connector::after {
    display: none;
  }
}

@media (max-width: 767px) {
  .hero-section {
    padding: 40px 0 50px 0;
  }
  .hero-title {
    font-size: 2rem;
  }
  .hero-desc {
    font-size: 1rem;
  }
  .section-title {
    font-size: 1.75rem;
  }
  .section-subtitle {
    font-size: 0.95rem;
  }
  .quick-check-card {
    padding: 24px;
  }
  .calculator-card, .calc-summary-card {
    padding: 24px;
  }
  .tracking-card {
    padding: 24px;
  }
  .regulatory-trust-box {
    padding: 28px;
  }
  .loan-product-card {
    padding: 24px;
  }
  .why-card {
    padding: 24px;
  }
  .trust-metric-val {
    font-size: 1.3rem;
  }
  .trust-metric-icon {
    width: 44px;
    height: 44px;
    font-size: 1.2rem;
  }
}

@media (max-width: 575px) {
  .hero-title {
    font-size: 1.7rem;
  }
  .hero-feature-pills {
    gap: 8px;
  }
  .hero-feature-item {
    font-size: 0.8rem;
    padding: 6px 12px;
  }
  .section-title {
    font-size: 1.5rem;
  }
}