/* ============================================
   KMAM Website - Main Stylesheet
   Malaysia Finance - Main Stylesheet
============================================ */

:root {
  --primary: #1a56db;
  --primary-dark: #1240aa;
  --primary-light: #e8f0fe;
  --secondary: #f59e0b;
  --secondary-dark: #d97706;
  --accent: #10b981;
  --danger: #ef4444;
  --text-dark: #111827;
  --text-base: #374151;
  --text-muted: #6b7280;
  --text-light: #9ca3af;
  --border: #e5e7eb;
  --border-light: #f3f4f6;
  --bg: #ffffff;
  --bg-soft: #f8fafc;
  --bg-blue: #eff6ff;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-md: 0 8px 32px rgba(0,0,0,0.12);
  --shadow-lg: 0 16px 48px rgba(0,0,0,0.15);
  --radius: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: 0.25s ease;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  color: var(--text-base);
  background: var(--bg);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; }

/* ============ Buttons ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 24px;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(26,86,219,0.3); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-ghost { background: rgba(255,255,255,0.15); color: #fff; border-color: rgba(255,255,255,0.4); backdrop-filter: blur(8px); }
.btn-ghost:hover { background: rgba(255,255,255,0.25); }
.btn-full { width: 100%; }
.btn-lg { padding: 14px 32px; font-size: 1rem; border-radius: 10px; }

/* ============ Top Announcement Bar ============ */
.topbar {
  background: linear-gradient(135deg, #1a56db, #0e3a8c);
  color: #fff;
  font-size: 0.85rem;
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.topbar a { color: #fff; opacity: 0.9; }
.topbar a:hover { opacity: 1; text-decoration: underline; }
.topbar strong { color: var(--secondary); }

/* ============ Navigation Bar ============ */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.header.scrolled { box-shadow: var(--shadow-md); }
.nav-container {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 72px;
}
.logo { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.logo-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--primary), #3b82f6);
  color: #fff;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800; font-size: 1rem;
  letter-spacing: -1px;
}
.logo-text { display: flex; flex-direction: column; }
.logo-main { font-size: 1.1rem; font-weight: 700; color: var(--text-dark); line-height: 1.2; }
.logo-sub { font-size: 0.7rem; color: var(--text-muted); }
.nav { display: flex; align-items: center; gap: 4px; flex: 1; }
.nav a {
  padding: 6px 14px; border-radius: 6px;
  font-size: 0.875rem; font-weight: 500; color: var(--text-base);
  letter-spacing: 0.01em;
  transition: var(--transition);
}
.nav a:hover { color: var(--primary); background: var(--primary-light); }
.nav-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text-dark); border-radius: 2px; transition: var(--transition); }

/* ============ Hero Section ============ */
.hero {
  position: relative;
  background: linear-gradient(150deg, #0a1628 0%, #0e2147 40%, #1a3a70 100%);
  overflow: hidden;
  padding-top: 80px;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 60% at 20% 50%, rgba(59,130,246,0.2) 0%, transparent 60%),
    radial-gradient(ellipse 40% 40% at 80% 30%, rgba(245,158,11,0.1) 0%, transparent 50%);
  pointer-events: none;
}
.hero-content {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  padding-top: 60px;
  padding-bottom: 40px;
  position: relative;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,158,11,0.15);
  border: 1px solid rgba(245,158,11,0.3);
  color: var(--secondary);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 20px;
}
.hero-text h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-bottom: 20px;
}
.gradient-text {
  background: linear-gradient(135deg, #60a5fa, #f59e0b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  color: rgba(255,255,255,0.78);
  font-size: 1.05rem;
  line-height: 1.75;
  margin-bottom: 28px;
  max-width: 520px;
}
.hero-desc strong { color: var(--secondary); }
.hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 36px;
}
.hero-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.9);
  padding: 8px 16px;
  border-radius: 100px;
  font-size: 0.85rem;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }

/* Quick Application Card */
.hero-form-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  flex-shrink: 0;
}
.hero-form-card h3 { font-size: 1.2rem; font-weight: 700; color: var(--text-dark); letter-spacing: -0.01em; margin-bottom: 4px; }
.form-subtitle { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 24px; }
.quick-form .form-group { margin-bottom: 16px; }
.quick-form label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-dark); margin-bottom: 6px; }
.quick-form select,
.quick-form input {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.9rem;
  color: var(--text-dark);
  outline: none;
  transition: var(--transition);
  font-family: inherit;
}
.quick-form select:focus,
.quick-form input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,86,219,0.1); }
.form-note { text-align: center; font-size: 0.75rem; color: var(--text-muted); margin-top: 10px; }

/* Stats Bar */
.hero-stats { background: rgba(0,0,0,0.3); border-top: 1px solid rgba(255,255,255,0.08); }
.stats-row {
  display: flex;
  justify-content: space-around;
  padding: 28px 0;
}
.stat-item { text-align: center; }
.stat-num {
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--secondary);
  font-family: 'Montserrat', sans-serif;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.65); margin-top: 4px; }

.section { padding: clamp(64px, 8vw, 96px) 0; }
.section-header { text-align: center; margin-bottom: 56px; }
.section-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: 5px 18px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.section-header h2 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.25;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.section-header p { color: var(--text-muted); font-size: 1rem; max-width: 600px; margin: 0 auto; line-height: 1.7; }

/* ============ Loan Products ============ */
.products { background: var(--bg-soft); }
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.product-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  border: 1.5px solid var(--border);
  position: relative;
  transition: all var(--transition);
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.product-card.featured {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.1);
}
.product-badge {
  position: absolute;
  top: -12px; left: 50%;
  transform: translateX(-50%);
  background: var(--secondary);
  color: #fff;
  padding: 4px 16px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  white-space: nowrap;
}
.product-icon { font-size: 2.5rem; margin-bottom: 16px; }
.product-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 10px; letter-spacing: -0.01em; }
.product-desc { color: var(--text-muted); font-size: 0.875rem; margin-bottom: 20px; line-height: 1.6; }
.product-details { margin-bottom: 20px; border-top: 1px solid var(--border-light); padding-top: 16px; }
.detail-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.825rem;
}
.detail-item:last-child { border-bottom: none; }
.detail-label { color: var(--text-muted); }
.detail-val { font-weight: 600; color: var(--text-dark); }
.detail-val.highlight { color: var(--primary); font-size: 0.9rem; }
.product-features { list-style: none; margin-bottom: 24px; }
.product-features li { font-size: 0.825rem; color: var(--text-base); padding: 4px 0; }

/* ============ Why Choose Us ============ */
.why-us { background: #fff; }
.why-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 80px;
  align-items: center;
}
.why-text .section-tag { margin-bottom: 12px; }
.why-text h2 { font-size: clamp(1.75rem, 2.5vw, 2.2rem); font-weight: 700; color: var(--text-dark); letter-spacing: -0.02em; margin-bottom: 16px; }
.why-text > p { color: var(--text-muted); margin-bottom: 32px; line-height: 1.8; }
.why-points { display: flex; flex-direction: column; gap: 24px; margin-bottom: 32px; }
.why-point {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.why-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: var(--primary-light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.why-point h4 { font-size: 0.95rem; font-weight: 700; color: var(--text-dark); margin-bottom: 4px; }
.why-point p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.6; }
.certifications { display: flex; gap: 12px; flex-wrap: wrap; }
.cert-item {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 8px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-dark);
}
.image-placeholder {
  background: linear-gradient(150deg, var(--primary), #1240aa);
  border-radius: var(--radius-xl);
  padding: 48px 36px;
  color: #fff;
  min-height: 420px;
  display: flex; align-items: center;
}
.image-inner { width: 100%; }
.img-stat { text-align: center; padding: 16px 0; }
.img-num { display: block; font-size: 2.5rem; font-weight: 800; color: var(--secondary); font-family: 'Montserrat', sans-serif; }
.img-label { font-size: 0.9rem; opacity: 0.8; }
.img-divider { border-top: 1px solid rgba(255,255,255,0.15); margin: 8px 0; }
.award-section { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.15); }
.award-section p { font-size: 0.875rem; margin: 8px 0; opacity: 0.9; }

/* ============ Application Process ============ */
.process { background: var(--bg-soft); }
.process-steps {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 64px;
  overflow-x: auto;
}
.step {
  flex: 1;
  text-align: center;
  padding: 36px 24px;
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  min-width: 200px;
  transition: var(--transition);
}
.step:hover { border-color: var(--primary); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.step-num {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--primary-light);
  font-family: 'Montserrat', sans-serif;
  line-height: 1;
  margin-bottom: 12px;
}
.step-icon { font-size: 2rem; margin-bottom: 16px; }
.step h3 { font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 10px; }
.step p { font-size: 0.825rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 12px; }
.step-time {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 100px;
}
.step-arrow {
  font-size: 1.5rem;
  color: var(--primary);
  padding: 0 8px;
  flex-shrink: 0;
}
.docs-required { background: #fff; border-radius: var(--radius-lg); padding: 40px; border: 1.5px solid var(--border); }
.docs-required h3 { font-size: 1.3rem; font-weight: 700; color: var(--text-dark); margin-bottom: 28px; text-align: center; }
.docs-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.doc-category h4 { font-size: 0.9rem; font-weight: 700; color: var(--primary); margin-bottom: 12px; padding-bottom: 8px; border-bottom: 2px solid var(--primary-light); }
.doc-category ul { list-style: none; }
.doc-category li { font-size: 0.8rem; color: var(--text-base); padding: 5px 0; border-bottom: 1px solid var(--border-light); }

/* ============ 计算器 ============ */
.calculator-section { background: linear-gradient(150deg, #0a1628 0%, #0e2147 100%); }
.calculator-section .section-header h2,
.calculator-section .section-header p { color: rgba(255,255,255,0.9); }
.calculator-section .section-tag { background: rgba(255,255,255,0.1); color: #93c5fd; }
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 48px;
  backdrop-filter: blur(8px);
}
.calc-inputs h3,
.calc-results h3 { font-size: 1.1rem; font-weight: 700; color: #fff; margin-bottom: 28px; }
.calc-group { margin-bottom: 28px; }
.calc-group label {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  margin-bottom: 12px;
}
.calc-val { color: var(--secondary); font-weight: 700; }
.calc-group input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  background: rgba(255,255,255,0.15);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.calc-group input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.3);
  cursor: pointer;
  transition: var(--transition);
}
.calc-group input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-top: 8px; }
.calc-type label { color: rgba(255,255,255,0.8); font-size: 0.875rem; font-weight: 500; margin-bottom: 12px; display: block; }
.radio-group { display: flex; gap: 20px; }
.radio-label { display: flex; align-items: center; gap: 8px; font-size: 0.875rem; color: rgba(255,255,255,0.8); cursor: pointer; }
.radio-label input { width: 16px; height: 16px; accent-color: var(--primary); }
.result-highlight {
  background: linear-gradient(135deg, var(--primary), #1e40af);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  margin-bottom: 24px;
}
.result-label { font-size: 0.85rem; color: rgba(255,255,255,0.8); margin-bottom: 8px; }
.result-amount { font-size: 2.2rem; font-weight: 800; color: #fff; font-family: 'Montserrat', sans-serif; }
.result-breakdown { margin-bottom: 24px; }
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 0.875rem;
  color: rgba(255,255,255,0.75);
}
.result-row span:last-child { font-weight: 600; color: #fff; }
.result-row.total span { font-weight: 700; font-size: 1rem; color: var(--secondary); }
.result-chart { margin-bottom: 20px; }
.chart-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-bottom: 10px; }
.chart-bar-wrapper {}
.chart-bar {
  display: flex;
  height: 20px;
  border-radius: 10px;
  overflow: hidden;
  margin-bottom: 10px;
}
.bar-principal { background: var(--primary); transition: width 0.5s ease; }
.bar-interest { background: var(--secondary); transition: width 0.5s ease; }
.chart-legend { display: flex; gap: 20px; }
.legend-item { display: flex; align-items: center; gap: 6px; font-size: 0.8rem; color: rgba(255,255,255,0.7); }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; }
.legend-dot.principal { background: var(--primary); }
.legend-dot.interest { background: var(--secondary); }
.calc-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-bottom: 20px; }

/* ============ Testimonials ============ */
.testimonials { background: var(--bg-soft); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1.5px solid var(--border);
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testimonial-card.featured {
  background: linear-gradient(150deg, var(--primary), #1240aa);
  border-color: transparent;
}
.testimonial-card.featured .testimonial-text,
.testimonial-card.featured .author-name,
.testimonial-card.featured .author-detail { color: rgba(255,255,255,0.9); }
.testimonial-card.featured .stars { color: var(--secondary); }
.stars { font-size: 1rem; margin-bottom: 16px; }
.testimonial-text { font-size: 0.9rem; color: var(--text-base); line-height: 1.75; margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 1rem;
  flex-shrink: 0;
}
.testimonial-card.featured .author-avatar { background: rgba(255,255,255,0.2); }
.author-name { font-weight: 700; color: var(--text-dark); font-size: 0.9rem; }
.author-detail { font-size: 0.8rem; color: var(--text-muted); }

/* ============ Partners ============ */
.partners-section { background: #fff; padding: 48px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.partners-title { text-align: center; font-size: 0.875rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 28px; }
.partners-grid { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }
.partner-item {
  padding: 12px 28px;
  background: var(--bg-soft);
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  transition: var(--transition);
}
.partner-item:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }

/* ============ FAQ ============ */
.faq { background: var(--bg-soft); }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.faq-item {
  background: #fff;
  border-radius: var(--radius);
  border: 1.5px solid var(--border);
  overflow: hidden;
}
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-dark);
  transition: var(--transition);
  user-select: none;
}
.faq-q:hover { background: var(--bg-soft); color: var(--primary); }
.faq-icon {
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--primary);
  transition: transform var(--transition);
  flex-shrink: 0;
  margin-left: 12px;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.faq-item.open .faq-a { max-height: 200px; }
.faq-a p { padding: 0 24px 20px; font-size: 0.875rem; color: var(--text-muted); line-height: 1.8; }

/* ============ 申请区 ============ */
.apply-section { background: #fff; }
.apply-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.apply-text h2 { font-size: clamp(1.8rem, 2.5vw, 2.2rem); font-weight: 700; color: var(--text-dark); margin-bottom: 16px; }
.apply-text > p { color: var(--text-muted); margin-bottom: 28px; line-height: 1.8; }
.apply-benefits { display: flex; flex-direction: column; gap: 12px; margin-bottom: 36px; }
.benefit { font-size: 0.9rem; color: var(--text-base); }
.contact-options { display: flex; flex-direction: column; gap: 16px; }
.contact-opt {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}
.contact-opt:hover { border-color: var(--primary); background: var(--primary-light); }
.contact-icon { font-size: 1.5rem; }
.contact-label { font-size: 0.8rem; color: var(--text-muted); }
.contact-val { font-weight: 700; color: var(--text-dark); }
.apply-form-card {
  background: var(--bg-soft);
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1.5px solid var(--border);
}
.apply-form-card h3 { font-size: 1.2rem; font-weight: 700; color: var(--text-dark); margin-bottom: 24px; }
.apply-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.apply-form .form-group { margin-bottom: 16px; }
.apply-form label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-dark); margin-bottom: 6px; }
.apply-form input,
.apply-form select,
.apply-form textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.875rem;
  color: var(--text-dark);
  background: #fff;
  outline: none;
  transition: var(--transition);
  font-family: inherit;
  resize: vertical;
}
.apply-form input:focus,
.apply-form select:focus,
.apply-form textarea:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,86,219,0.1); }
.form-checkbox { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 20px; }
.form-checkbox input { flex-shrink: 0; margin-top: 3px; width: 16px; height: 16px; accent-color: var(--primary); }
.form-checkbox label { font-size: 0.8rem; color: var(--text-muted); line-height: 1.5; }
.form-checkbox a { color: var(--primary); }

/* ============ 分支机构 ============ */
.branches { background: var(--bg-soft); }
.branches-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.branch-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px;
  border: 1.5px solid var(--border);
  transition: var(--transition);
}
.branch-card:hover { box-shadow: var(--shadow-md); border-color: var(--primary); }
.branch-city { font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 12px; }
.branch-card p { font-size: 0.8rem; color: var(--text-muted); margin-bottom: 6px; }

/* ============ Footer ============ */
.footer { background: #0a1628; color: rgba(255,255,255,0.7); }
.footer-main {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 80px;
  padding: 64px 0 48px;
}
.footer-desc { font-size: 0.875rem; color: rgba(255,255,255,0.55); line-height: 1.8; margin: 16px 0 24px; }
.footer-social { display: flex; gap: 10px; flex-wrap: wrap; }
.social-btn {
  padding: 6px 14px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 6px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
}
.social-btn:hover { background: var(--primary); color: #fff; border-color: var(--primary); }
.footer-links { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.footer-col h4 { font-size: 0.8rem; font-weight: 700; color: #fff; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.825rem; color: rgba(255,255,255,0.5); margin-bottom: 8px; transition: var(--transition); }
.footer-col a:hover { color: var(--secondary); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 28px 0;
}
.footer-legal p { font-size: 0.775rem; color: rgba(255,255,255,0.4); margin-bottom: 6px; }
.disclaimer { margin-top: 12px !important; padding-top: 12px; border-top: 1px solid rgba(255,255,255,0.08); line-height: 1.7 !important; }

/* ============ Floating Action Buttons ============ */
.float-actions {
  position: fixed;
  right: 24px;
  bottom: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 999;
}
.float-btn {
  width: 52px; height: 52px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  text-decoration: none;
}
.float-btn:hover { transform: scale(1.1) translateY(-2px); box-shadow: var(--shadow-lg); }
.float-btn.whatsapp { background: #25D366; color: #fff; }
.float-btn.phone { background: var(--primary); color: #fff; }
.float-btn.top { background: #fff; color: var(--text-dark); border: 1.5px solid var(--border); font-size: 1.1rem; }

/* ============ 弹窗 ============ */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.6);
  z-index: 2000;
  display: none;
  backdrop-filter: blur(4px);
}
.modal {
  position: fixed;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%) scale(0.9);
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 48px 40px;
  text-align: center;
  z-index: 2001;
  display: none;
  max-width: 420px;
  width: 90%;
  box-shadow: var(--shadow-lg);
  transition: transform 0.3s ease;
}
.modal.show, .modal-overlay.show { display: block; }
.modal.show { transform: translate(-50%, -50%) scale(1); }
.modal-icon { font-size: 3rem; margin-bottom: 16px; }
.modal h3 { font-size: 1.3rem; font-weight: 700; color: var(--text-dark); margin-bottom: 12px; }
.modal p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 8px; line-height: 1.7; }
.modal strong { color: var(--primary); }
.modal .btn { margin-top: 24px; min-width: 140px; }

/* ============ 响应式 ============ */
@media (max-width: 1100px) {
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .docs-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-content { grid-template-columns: 1fr 360px; gap: 40px; }
}

@media (max-width: 960px) {
  .why-inner { grid-template-columns: 1fr; }
  .why-image { order: -1; }
  .image-placeholder { min-height: 280px; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .apply-inner { grid-template-columns: 1fr; gap: 48px; }
  .branches-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-main { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { grid-template-columns: repeat(2, 1fr); }
  .calculator-wrapper { grid-template-columns: 1fr; padding: 32px 24px; }
}

@media (max-width: 768px) {
  .topbar { display: none; }
  .nav { display: none; position: fixed; top: 72px; left: 0; right: 0; background: #fff; flex-direction: column; padding: 20px; border-bottom: 1px solid var(--border); box-shadow: var(--shadow-md); }
  .nav.open { display: flex; }
  .nav a { width: 100%; padding: 12px 16px; border-radius: 8px; }
  .nav-actions { display: none; }
  .hamburger { display: flex; }
  .hero-content { grid-template-columns: 1fr; padding-top: 40px; }
  .hero-form-card { max-width: 480px; margin: 0 auto; }
  .stats-row { flex-wrap: wrap; gap: 20px; }
  .stat-item { flex: 1 1 40%; }
  .products-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .process-steps { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .apply-form .form-row { grid-template-columns: 1fr; }
  .branches-grid { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr 1fr; }
  .docs-grid { grid-template-columns: 1fr; }
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; }
}

@media (max-width: 480px) {
  .section { padding: 64px 0; }
  .hero-features { flex-direction: column; }
  .footer-links { grid-template-columns: 1fr; }
  .float-actions { right: 16px; bottom: 20px; }
  .float-btn { width: 46px; height: 46px; font-size: 1.1rem; }
}

/* ============ 顶部通告栏增强 ============ */
.lang-switcher { display: inline-flex; align-items: center; gap: 4px; margin-left: 8px; }
.lang-btn {
  background: transparent;
  border: 1px solid rgba(255,255,255,0.35);
  color: rgba(255,255,255,0.8);
  padding: 2px 10px;
  border-radius: 4px;
  font-size: 0.78rem;
  cursor: pointer;
  transition: var(--transition);
  font-family: inherit;
}
.lang-btn:hover, .lang-btn.active { background: rgba(255,255,255,0.2); color: #fff; border-color: rgba(255,255,255,0.7); }

/* ============ Hero 新增 ============ */
.hero-trust {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 20px;
}
.trust-item {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  display: flex;
  align-items: center;
  gap: 4px;
}

/* ============ 产品分类标签 ============ */
.product-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 36px;
}
.product-tab {
  padding: 8px 20px;
  border-radius: 100px;
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--text-muted);
  font-size: 0.875rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
  font-family: inherit;
}
.product-tab:hover { border-color: var(--primary); color: var(--primary); }
.product-tab.active { background: var(--primary); color: #fff; border-color: var(--primary); }
.products-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* 产品卡特殊类型 */
.product-badge.urgent { background: #ef4444; }
.product-badge.civil { background: #7c3aed; }
.islamic-card { border-color: #059669; background: linear-gradient(to bottom, #f0fdf4, #fff); }
.islamic-card:hover { border-color: #059669; }
.halal-badge {
  display: inline-block;
  background: #059669;
  color: #fff;
  font-size: 0.65rem;
  padding: 1px 8px;
  border-radius: 4px;
  font-weight: 700;
  vertical-align: middle;
  margin-left: 6px;
}
.product-card.hidden { display: none; }

/* ============ 资格检测区 ============ */
.eligibility-section { background: var(--bg-blue); }
.eligibility-wrapper {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
}
.eligibility-quiz {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1.5px solid var(--border);
  min-height: 400px;
}
.quiz-progress-bar {
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  margin-bottom: 24px;
  overflow: hidden;
}
.quiz-progress-bar span {
  display: block;
  height: 100%;
  background: linear-gradient(to right, var(--primary), #3b82f6);
  border-radius: 3px;
  transition: width 0.4s ease;
}
.quiz-num { font-size: 0.8rem; color: var(--text-muted); font-weight: 600; margin-bottom: 12px; }
.quiz-step h3 { font-size: 1.2rem; font-weight: 700; color: var(--text-dark); margin-bottom: 24px; }
.quiz-options { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quiz-opt {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  background: #fff;
  cursor: pointer;
  transition: all var(--transition);
  text-align: left;
  font-family: inherit;
}
.quiz-opt:hover { border-color: var(--primary); background: var(--primary-light); }
.opt-icon { font-size: 1.4rem; flex-shrink: 0; }
.opt-label { font-size: 0.875rem; font-weight: 500; color: var(--text-dark); }
.quiz-step { display: none; }
.quiz-step.active { display: block; }
.quiz-result-icon { font-size: 3rem; text-align: center; margin-bottom: 16px; }
.quiz-step#qResult h3 { text-align: center; }
.quiz-step#qResult > p { text-align: center; color: var(--text-muted); margin-bottom: 16px; }
.result-product-tag {
  text-align: center;
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 700;
  padding: 12px 24px;
  border-radius: 8px;
  margin-bottom: 24px;
  font-size: 1rem;
}
.result-actions { display: flex; gap: 12px; justify-content: center; margin-bottom: 16px; }
.quiz-disclaimer { text-align: center; font-size: 0.75rem; color: var(--text-muted); }
.eligibility-info {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1.5px solid var(--border);
}
.eligibility-info h3 { font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 20px; }
.elig-items { display: flex; flex-direction: column; gap: 20px; margin-bottom: 20px; }
.elig-item { display: flex; gap: 14px; align-items: flex-start; }
.elig-icon { font-size: 1.5rem; flex-shrink: 0; width: 36px; text-align: center; }
.elig-title { font-weight: 700; font-size: 0.875rem; color: var(--text-dark); margin-bottom: 4px; }
.elig-desc { font-size: 0.8rem; color: var(--text-muted); line-height: 1.6; }
.elig-note {
  background: #fef9c3;
  border: 1px solid #fde68a;
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 0.8rem;
  color: #92400e;
  line-height: 1.6;
}

/* ============ Comparison Table ============ */
.compare-section { background: #fff; }
.compare-table-wrapper { overflow-x: auto; }
.compare-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.compare-table thead tr { background: var(--text-dark); }
.compare-table th {
  padding: 16px 20px;
  font-size: 0.875rem;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  text-align: center;
}
.compare-table th:first-child { text-align: left; color: rgba(255,255,255,0.6); }
.compare-table th.highlight-col { background: var(--primary); color: #fff; }
.compare-table td {
  padding: 14px 20px;
  font-size: 0.875rem;
  color: var(--text-base);
  border-bottom: 1px solid var(--border-light);
  text-align: center;
}
.compare-table td:first-child { text-align: left; font-weight: 500; color: var(--text-dark); }
.compare-table td.highlight-col { background: var(--primary-light); color: var(--primary); }
.compare-table td.highlight-col strong { color: var(--primary-dark); }
.compare-table tbody tr:nth-child(even) td { background: var(--bg-soft); }
.compare-table tbody tr:nth-child(even) td.highlight-col { background: #dbeafe; }
.compare-table tbody tr:hover td { background: var(--primary-light); }
.compare-table tbody tr:hover td.highlight-col { background: #bfdbfe; }

/* ============ App Download Section ============ */
.app-section { background: linear-gradient(150deg, #0a1628, #1a3a70); }
.app-inner {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 80px;
  align-items: center;
}
.app-screens { display: flex; justify-content: center; }
.phone-mockup {
  width: 240px;
  background: #1a1a2e;
  border-radius: 36px;
  padding: 12px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.5), 0 0 0 2px rgba(255,255,255,0.1);
  position: relative;
}
.phone-screen {
  background: #fff;
  border-radius: 26px;
  overflow: hidden;
  padding: 20px 16px;
}
.screen-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
}
.screen-logo {
  width: 28px; height: 28px;
  background: var(--primary);
  border-radius: 6px;
  color: #fff;
  font-size: 0.6rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.screen-title { font-size: 0.8rem; font-weight: 700; color: var(--text-dark); }
.screen-balance {
  background: linear-gradient(135deg, var(--primary), #1e40af);
  border-radius: 12px;
  padding: 16px;
  color: #fff;
  margin-bottom: 16px;
}
.screen-label { font-size: 0.65rem; opacity: 0.8; margin-bottom: 4px; }
.screen-amount { font-size: 1.1rem; font-weight: 800; }
.screen-stats {
  display: flex;
  gap: 8px;
  margin-bottom: 16px;
}
.screen-stat {
  flex: 1;
  background: var(--bg-soft);
  border-radius: 8px;
  padding: 8px;
  text-align: center;
}
.ss-label { display: block; font-size: 0.6rem; color: var(--text-muted); margin-bottom: 2px; }
.ss-val { display: block; font-size: 0.75rem; font-weight: 700; color: var(--text-dark); }
.screen-btn {
  background: var(--primary);
  color: #fff;
  text-align: center;
  border-radius: 8px;
  padding: 8px;
  font-size: 0.75rem;
  font-weight: 700;
  margin-bottom: 12px;
}
.screen-menu { display: flex; flex-direction: column; gap: 6px; }
.menu-item {
  font-size: 0.7rem;
  color: var(--text-base);
  padding: 6px 8px;
  background: var(--bg-soft);
  border-radius: 6px;
}
.app-text .section-tag { background: rgba(255,255,255,0.1); color: #93c5fd; margin-bottom: 12px; display: inline-block; }
.app-text h2 { font-size: clamp(1.8rem, 2.5vw, 2.4rem); font-weight: 700; color: #fff; margin-bottom: 16px; }
.app-text > p { color: rgba(255,255,255,0.7); margin-bottom: 28px; line-height: 1.8; }
.app-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 32px;
}
.app-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.85);
}
.app-feature span { font-size: 1.1rem; }
.app-download { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; margin-bottom: 20px; }
.app-badge-link { display: inline-block; transition: var(--transition); }
.app-badge-link:hover { transform: translateY(-2px); filter: brightness(1.1); }
.app-badge { height: 44px; width: auto; display: block; }
.app-rating { display: flex; align-items: center; gap: 10px; }
.rating-stars { font-size: 0.9rem; }
.rating-text { font-size: 0.8rem; color: rgba(255,255,255,0.6); }

/* ============ News / Blog Section ============ */
.news-section { background: var(--bg-soft); }
.news-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 40px;
}
.news-card {
  background: #fff;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1.5px solid var(--border);
  transition: var(--transition);
}
.news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.news-card.featured-news { grid-row: span 2; display: flex; flex-direction: column; }
.news-card.featured-news .news-img { flex: 0 0 220px; }
.news-img {
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.news-img-1 { background: linear-gradient(135deg, #1a56db, #3b82f6); }
.news-img-2 { background: linear-gradient(135deg, #059669, #34d399); }
.news-img-3 { background: linear-gradient(135deg, #7c3aed, #a78bfa); }
.news-img-4 { background: linear-gradient(135deg, #d97706, #fbbf24); }
.news-img-inner {
  text-align: center;
  position: relative;
  z-index: 1;
}
.news-img-icon { font-size: 3rem; margin-bottom: 8px; }
.news-category-badge {
  display: inline-block;
  background: rgba(255,255,255,0.25);
  color: #fff;
  font-size: 0.75rem;
  padding: 3px 12px;
  border-radius: 100px;
  margin-bottom: 8px;
}
.news-content { padding: 20px; flex: 1; }
.news-meta { display: flex; gap: 12px; align-items: center; margin-bottom: 10px; }
.news-cat { font-size: 0.75rem; font-weight: 700; color: var(--primary); background: var(--primary-light); padding: 2px 10px; border-radius: 4px; }
.news-date { font-size: 0.75rem; color: var(--text-muted); }
.news-content h3 { font-size: 0.95rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; line-height: 1.5; }
.news-content p { font-size: 0.825rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 12px; }
.news-link { font-size: 0.825rem; font-weight: 600; color: var(--primary); transition: var(--transition); }
.news-link:hover { color: var(--primary-dark); }
.news-more { text-align: center; }

/* ============ Additional Responsive Styles ============ */
@media (max-width: 1100px) {
  .products-grid { grid-template-columns: repeat(3, 1fr); }
  .eligibility-wrapper { grid-template-columns: 1fr; }
  .app-inner { grid-template-columns: 1fr; gap: 48px; }
  .app-screens { order: -1; }
}
@media (max-width: 960px) {
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .news-grid { grid-template-columns: 1fr; }
  .news-card.featured-news { grid-row: auto; }
  .quiz-options { grid-template-columns: 1fr; }
  .compare-table { font-size: 0.8rem; }
  .compare-table th, .compare-table td { padding: 10px 12px; }
  .app-features { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .products-grid { grid-template-columns: 1fr; }
  .product-tabs { gap: 6px; }
  .product-tab { padding: 6px 14px; font-size: 0.8rem; }
  .topbar-right { display: none; }
  .lang-switcher { display: none; }
  .quiz-options { grid-template-columns: 1fr; }
  .result-actions { flex-direction: column; }
  .app-download { flex-direction: column; }
}

/* ============ Contact Highlight Card ============ */
.contact-grid { grid-template-columns: repeat(3, 1fr) !important; }
.highlight-card { border-color: var(--primary) !important; background: var(--primary-light); }
.highlight-card .branch-city { color: var(--primary); }
.highlight-card a { text-decoration: none; font-weight: 600; }
@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr !important; } }