/* ═══════════════════════════════════════════════════════
   MONTERRA FINANCIAL — SHARED DESIGN SYSTEM
   ═══════════════════════════════════════════════════════ */

/* ── RESET ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; font-size:16px; }
body { background:var(--bg-deep); color:var(--cream); font-family:var(--font-body); overflow-x:hidden; }
img { max-width:100%; height:auto; display:block; }
a { text-decoration:none; }
ul { list-style:none; }
input, select, textarea, button { font-family:inherit; }

/* ── CSS VARIABLES ── */
:root {
  --bg-deep:       #050F0A;
  --bg-card:       #0B1E14;
  --bg-surface:    #0D2418;
  --bg-elevated:   #112B1C;
  --green:         #2CE07A;
  --green-dim:     #1DB862;
  --green-pale:    #8FFFC0;
  --green-glow:    rgba(44,224,122,0.10);
  --green-glow2:   rgba(44,224,122,0.06);
  --green-border:  rgba(44,224,122,0.18);
  --green-border2: rgba(44,224,122,0.30);
  --cream:         #EAF5EE;
  --cream-muted:   #8FAAA0;
  --cream-dim:     #5A7A6D;
  --font-display:  'Playfair Display', Georgia, serif;
  --font-body:     'DM Sans', sans-serif;
  --font-mono:     'JetBrains Mono', monospace;
  --radius-sm:     8px;
  --radius:        14px;
  --radius-lg:     20px;
  --shadow-card:   0 4px 32px rgba(0,0,0,0.4);
  --shadow-glow:   0 0 40px rgba(44,224,122,0.08);
  --transition:    0.3s cubic-bezier(.22,1,.36,1);
}

/* ── FONTS ── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;0,900;1,400;1,700&family=DM+Sans:wght@300;400;500;600;700&family=JetBrains+Mono:wght@400;500;600&display=swap');

/* ── SCROLL PROGRESS ── */
#progress-bar {
  position:fixed; top:0; left:0; height:2px;
  background:var(--green); z-index:9999;
  transform-origin:left; transform:scaleX(0);
}

/* ── CUSTOM CURSOR ── */
#cursor-dot {
  position:fixed; width:7px; height:7px;
  background:var(--green); border-radius:50%;
  pointer-events:none; z-index:9998;
  transform:translate(-50%,-50%);
}
#cursor-ring {
  position:fixed; width:34px; height:34px;
  border:1.5px solid rgba(44,224,122,0.4); border-radius:50%;
  pointer-events:none; z-index:9997;
  transform:translate(-50%,-50%);
  transition:width .3s,height .3s,border-color .3s;
}
@media (pointer:coarse) { #cursor-dot,#cursor-ring{display:none} body{cursor:auto} }

/* ── ANIMATED BG GRID ── */
#bg-grid {
  position:fixed; inset:0; z-index:0; pointer-events:none;
  background-image:
    linear-gradient(rgba(44,224,122,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(44,224,122,0.035) 1px, transparent 1px);
  background-size:64px 64px;
  animation:gridDrift 25s linear infinite;
}
@keyframes gridDrift { 100%{background-position:64px 64px} }

/* ── NAVBAR ── */
nav#navbar {
  position:fixed; top:0; left:0; right:0; z-index:1000;
  padding:20px 56px;
  display:flex; align-items:center; justify-content:space-between;
  transition:background .4s,backdrop-filter .4s,padding .4s,border-color .4s;
  border-bottom:1px solid transparent;
}
nav#navbar.scrolled {
  background:rgba(5,15,10,0.88);
  backdrop-filter:blur(24px); -webkit-backdrop-filter:blur(24px);
  border-bottom-color:var(--green-border);
  padding:13px 56px;
}
.nav-logo { display:flex; align-items:center; gap:11px; }
.nav-logo svg { width:40px; height:40px; flex-shrink:0; }
.nav-logo-text { font-weight:600; font-size:16px; color:var(--cream); line-height:1.2; }
.nav-logo-text span { display:block; font-size:10px; font-weight:400; color:var(--cream-muted); letter-spacing:.12em; text-transform:uppercase; }
.nav-center { display:flex; align-items:center; gap:4px; }
.nav-item { position:relative; }
.nav-link {
  color:var(--cream-muted); font-size:13.5px; font-weight:500;
  letter-spacing:.02em; padding:8px 14px; border-radius:6px;
  transition:color .2s,background .2s; display:flex; align-items:center; gap:5px;
}
.nav-link:hover { color:var(--cream); background:rgba(44,224,122,0.06); }
.nav-link svg { width:12px; height:12px; transition:transform .2s; }
.nav-item:hover .nav-link svg { transform:rotate(180deg); }
.dropdown {
  position:absolute; top:calc(100% + 8px); left:0;
  background:var(--bg-card); border:1px solid var(--green-border);
  border-radius:var(--radius); padding:8px; min-width:220px;
  opacity:0; visibility:hidden; transform:translateY(-8px);
  transition:opacity .2s,transform .2s,visibility .2s;
  box-shadow:var(--shadow-card);
}
.nav-item:hover .dropdown { opacity:1; visibility:visible; transform:translateY(0); }
.dropdown a {
  display:block; color:var(--cream-muted); font-size:13px;
  padding:9px 14px; border-radius:6px; transition:color .2s,background .2s;
}
.dropdown a:hover { color:var(--green); background:var(--green-glow); }
.dropdown-section { font-size:10px; letter-spacing:.12em; text-transform:uppercase; color:var(--cream-dim); padding:8px 14px 4px; }
.nav-right { display:flex; align-items:center; gap:16px; }
.nav-phone { color:var(--cream-muted); font-size:13px; font-weight:500; transition:color .2s; }
.nav-phone:hover { color:var(--green); }
.btn-nav {
  background:var(--green); color:#050F0A; padding:9px 22px;
  border-radius:6px; font-size:13.5px; font-weight:700;
  transition:background .2s,transform .2s,box-shadow .2s;
}
.btn-nav:hover { background:var(--green-pale); transform:translateY(-1px); box-shadow:0 6px 24px rgba(44,224,122,.3); }

/* Mobile nav toggle */
.hamburger { display:none; flex-direction:column; gap:5px; cursor:pointer; padding:8px; }
.hamburger span { width:22px; height:2px; background:var(--cream-muted); border-radius:2px; transition:.3s; }
.mobile-menu {
  display:none; position:fixed; top:0; left:0; right:0; bottom:0;
  background:var(--bg-deep); z-index:999; flex-direction:column;
  padding:100px 40px 40px; gap:0; overflow-y:auto;
}
.mobile-menu.open { display:flex; }
.mobile-link {
  color:var(--cream); font-size:18px; font-weight:600; padding:16px 0;
  border-bottom:1px solid var(--green-border); transition:color .2s;
}
.mobile-link:hover { color:var(--green); }
.mobile-sub { padding:8px 0 8px 16px; }
.mobile-sub a { display:block; color:var(--cream-muted); font-size:14px; padding:8px 0; transition:color .2s; }
.mobile-sub a:hover { color:var(--green); }

/* ── HERO (generic) ── */
.page-hero {
  position:relative; z-index:1;
  padding:160px 56px 100px;
  background:radial-gradient(ellipse 80% 60% at 50% 0%, rgba(44,224,122,0.07) 0%, transparent 70%);
  border-bottom:1px solid var(--green-border);
}
.page-hero-inner { max-width:1160px; margin:0 auto; }
.breadcrumb {
  font-family:var(--font-mono); font-size:11px; letter-spacing:.15em;
  color:var(--cream-dim); text-transform:uppercase; margin-bottom:20px;
  display:flex; align-items:center; gap:8px;
}
.breadcrumb a { color:var(--cream-dim); transition:color .2s; }
.breadcrumb a:hover { color:var(--green); }
.breadcrumb span { color:var(--green-dim); }

/* ── SECTION LABELS ── */
.label {
  font-family:var(--font-mono); font-size:11px; letter-spacing:.2em;
  color:var(--green); text-transform:uppercase; margin-bottom:14px;
  display:flex; align-items:center; gap:10px;
}
.label::before { content:''; display:block; width:22px; height:1px; background:var(--green); }

/* ── TYPOGRAPHY ── */
h1.display { font-family:var(--font-display); font-size:clamp(46px,5.5vw,80px); font-weight:900; line-height:1.06; letter-spacing:-.025em; }
h2.display { font-family:var(--font-display); font-size:clamp(30px,3.8vw,52px); font-weight:700; line-height:1.1; letter-spacing:-.02em; }
h3.display { font-family:var(--font-display); font-size:clamp(22px,2.5vw,32px); font-weight:700; line-height:1.2; }
.lead { font-size:18px; line-height:1.75; color:var(--cream-muted); }
.body-text { font-size:15px; line-height:1.75; color:var(--cream-muted); }
em.accent { font-style:italic; color:var(--green); }

/* ── BUTTONS ── */
.btn-primary {
  display:inline-flex; align-items:center; gap:8px;
  background:var(--green); color:#050F0A;
  padding:14px 28px; border-radius:8px;
  font-size:15px; font-weight:700; letter-spacing:.01em;
  border:none; cursor:pointer;
  transition:background var(--transition),transform var(--transition),box-shadow var(--transition);
}
.btn-primary:hover { background:var(--green-pale); transform:translateY(-2px); box-shadow:0 10px 36px rgba(44,224,122,.3); }
.btn-secondary {
  display:inline-flex; align-items:center; gap:8px;
  background:transparent; color:var(--cream);
  padding:13px 26px; border-radius:8px;
  font-size:15px; font-weight:600;
  border:1px solid var(--green-border2);
  cursor:pointer;
  transition:background var(--transition),border-color var(--transition);
}
.btn-secondary:hover { background:var(--green-glow); border-color:var(--green); }
.btn-sm { padding:9px 20px; font-size:13px; }

/* ── CONTAINERS ── */
.container { max-width:1160px; margin:0 auto; padding:0 56px; }
section.section { position:relative; z-index:1; padding:96px 0; }

/* ── CARDS ── */
.card {
  background:var(--bg-card); border:1px solid var(--green-border);
  border-radius:var(--radius-lg); padding:36px;
  transition:border-color var(--transition),transform var(--transition),box-shadow var(--transition);
  position:relative; overflow:hidden;
}
.card::before {
  content:''; position:absolute; top:0; left:0; right:0; height:1px;
  background:linear-gradient(90deg,transparent,var(--green),transparent);
  opacity:0; transition:opacity var(--transition);
}
.card:hover { border-color:var(--green-border2); transform:translateY(-4px); box-shadow:var(--shadow-card),var(--shadow-glow); }
.card:hover::before { opacity:1; }

/* ── MARQUEE ── */
.marquee-wrap { border-top:1px solid var(--green-border); border-bottom:1px solid var(--green-border); padding:16px 0; overflow:hidden; background:rgba(11,30,20,0.5); position:relative; z-index:2; }
.marquee-track { display:flex; gap:56px; width:max-content; animation:marquee 35s linear infinite; }
.marquee-track:hover { animation-play-state:paused; }
@keyframes marquee { 100%{transform:translateX(-50%)} }
.marquee-item { font-family:var(--font-mono); font-size:11.5px; letter-spacing:.15em; color:var(--cream-muted); white-space:nowrap; display:flex; align-items:center; gap:14px; }
.marquee-item::before { content:'◆'; color:var(--green); font-size:7px; }

/* ── FORM ELEMENTS ── */
.form-group { margin-bottom:16px; }
.form-label { display:block; font-size:12px; letter-spacing:.08em; text-transform:uppercase; color:var(--cream-muted); margin-bottom:8px; font-weight:500; }
.form-input, .form-select, .form-textarea {
  width:100%; padding:13px 18px;
  background:var(--bg-deep); border:1px solid var(--green-border);
  border-radius:var(--radius-sm); color:var(--cream);
  font-size:14px; outline:none;
  transition:border-color .2s,box-shadow .2s;
}
.form-input::placeholder,.form-textarea::placeholder { color:var(--cream-dim); }
.form-input:focus,.form-select:focus,.form-textarea:focus { border-color:var(--green); box-shadow:0 0 0 3px rgba(44,224,122,.08); }
.form-select { cursor:pointer; }
.form-textarea { resize:vertical; min-height:120px; }
.form-grid-2 { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.form-submit {
  width:100%; padding:17px; background:var(--green); color:#050F0A;
  border:none; border-radius:var(--radius-sm); font-size:16px; font-weight:700;
  cursor:pointer; letter-spacing:.02em;
  transition:background var(--transition),transform var(--transition),box-shadow var(--transition);
}
.form-submit:hover { background:var(--green-pale); transform:translateY(-2px); box-shadow:0 12px 40px rgba(44,224,122,.35); }
.form-note { margin-top:14px; font-size:12px; color:var(--cream-dim); text-align:center; display:flex; align-items:center; justify-content:center; gap:6px; }
.form-note svg { color:var(--green); }

/* ── STATS GRID ── */
.stats-strip {
  display:grid; grid-template-columns:repeat(4,1fr);
  gap:1px; background:var(--green-border);
  border:1px solid var(--green-border); border-radius:var(--radius-lg); overflow:hidden;
}
.stat-cell { background:var(--bg-card); padding:36px 28px; transition:background .3s; }
.stat-cell:hover { background:var(--bg-elevated); }
.stat-num { font-family:var(--font-mono); font-size:38px; font-weight:600; color:var(--green); line-height:1; margin-bottom:8px; }
.stat-desc { font-size:12.5px; color:var(--cream-muted); line-height:1.5; }

/* ── DIVIDER ── */
.divider { border:none; border-top:1px solid var(--green-border); margin:0; }

/* ── REVEAL ANIMATIONS ── */
.reveal        { opacity:0; transform:translateY(36px); transition:opacity .85s cubic-bezier(.22,1,.36,1),transform .85s cubic-bezier(.22,1,.36,1); }
.reveal-left   { opacity:0; transform:translateX(-36px); transition:opacity .85s cubic-bezier(.22,1,.36,1),transform .85s cubic-bezier(.22,1,.36,1); }
.reveal-right  { opacity:0; transform:translateX(36px); transition:opacity .85s cubic-bezier(.22,1,.36,1),transform .85s cubic-bezier(.22,1,.36,1); }
.reveal.in,.reveal-left.in,.reveal-right.in { opacity:1; transform:none; }
/* Safety net — hero sections always visible even if observer doesn't fire */
.page-hero .reveal,.loans-hero .reveal,.blog-hero .reveal,
.apply-hero .reveal,.about-hero .reveal,.ind-hero .reveal,
.contact-hero .reveal,.partner-hero .reveal { animation:heroReveal .7s cubic-bezier(.22,1,.36,1) forwards; }
@keyframes heroReveal { 0%{opacity:0;transform:translateY(20px)} 100%{opacity:1;transform:none} }

/* ── FOOTER ── */
footer {
  position:relative; z-index:1;
  border-top:1px solid var(--green-border); padding:72px 0 40px;
}
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1fr 1fr; gap:40px; margin-bottom:56px; }
.footer-brand-desc { font-size:13.5px; color:var(--cream-muted); line-height:1.75; margin:16px 0 24px; max-width:240px; }
.footer-socials { display:flex; gap:12px; }
.footer-social-btn {
  width:36px; height:36px; border-radius:8px;
  background:var(--bg-card); border:1px solid var(--green-border);
  display:flex; align-items:center; justify-content:center;
  transition:border-color .2s,background .2s;
}
.footer-social-btn:hover { border-color:var(--green); background:var(--green-glow); }
.footer-social-btn svg { width:16px; height:16px; color:var(--cream-muted); }
.footer-col-title { font-size:11px; letter-spacing:.12em; text-transform:uppercase; color:var(--cream-muted); font-weight:600; margin-bottom:20px; }
.footer-col li { margin-bottom:11px; }
.footer-col li a { color:var(--cream-dim); font-size:13.5px; transition:color .2s; }
.footer-col li a:hover { color:var(--green); }
.footer-contact-item { display:flex; align-items:flex-start; gap:10px; margin-bottom:12px; font-size:13.5px; color:var(--cream-muted); }
.footer-contact-item svg { width:16px; height:16px; color:var(--green); flex-shrink:0; margin-top:2px; }
.footer-contact-item a { color:var(--cream-muted); transition:color .2s; }
.footer-contact-item a:hover { color:var(--green); }
.footer-bottom { border-top:1px solid var(--green-border); padding-top:28px; display:flex; align-items:flex-start; justify-content:space-between; gap:24px; }
.footer-bottom p { font-size:12px; color:var(--cream-dim); line-height:1.6; max-width:700px; }
.footer-bottom-links { display:flex; gap:20px; flex-shrink:0; }
.footer-bottom-links a { font-size:12px; color:var(--cream-dim); transition:color .2s; }
.footer-bottom-links a:hover { color:var(--green); }

/* ── RESPONSIVE ── */
@media(max-width:1100px) {
  nav#navbar, nav#navbar.scrolled { padding:18px 32px; }
  .container { padding:0 32px; }
  .page-hero { padding:140px 32px 80px; }
  .footer-grid { grid-template-columns:1fr 1fr; gap:32px; }
  .stats-strip { grid-template-columns:repeat(2,1fr); }
  .nav-center { display:none; }
  .hamburger { display:flex; }
}
@media(max-width:640px) {
  .container { padding:0 20px; }
  .page-hero { padding:120px 20px 60px; }
  section.section { padding:60px 0; }
  .form-grid-2 { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:1fr; }
  .stats-strip { grid-template-columns:1fr 1fr; }
  .footer-bottom { flex-direction:column; }
}

/* ── SHARED LOGO SVG ── */
.logo-svg { width:40px; height:40px; }