/* =============================================
   원바로 대부 - Main Stylesheet
   전문적이고 신뢰감 있는 디자인
   ============================================= */

/* ---- Reset & Variables ---- */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --primary: #1a3a6b;
    --primary-dark: #0d2347;
    --primary-light: #2a5298;
    --accent: #e8a020;
    --accent-dark: #c8860f;
    --blue: #2563eb;
    --green: #10b981;
    --orange: #f59e0b;
    --red: #ef4444;
    --text-dark: #0f172a;
    --text-gray: #64748b;
    --text-light: #94a3b8;
    --bg-light: #f8fafc;
    --bg-white: #ffffff;
    --border: #e2e8f0;
    --shadow-sm: 0 1px 3px rgba(0,0,0,.08);
    --shadow: 0 4px 16px rgba(0,0,0,.1);
    --shadow-lg: 0 20px 60px rgba(0,0,0,.15);
    --radius: 12px;
    --radius-lg: 20px;
    --transition: all .3s cubic-bezier(.4,0,.2,1);
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Noto Sans KR', sans-serif;
    color: var(--text-dark);
    background: var(--bg-white);
    line-height: 1.7;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; }

/* ---- Buttons ---- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 28px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    text-decoration: none;
}

.btn::after {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(255,255,255,.15);
    opacity: 0;
    transition: var(--transition);
}
.btn:hover::after { opacity: 1; }

.btn-primary {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: #fff;
    box-shadow: 0 6px 24px rgba(26,58,107,.35);
}
.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 32px rgba(26,58,107,.45);
}

.btn-secondary {
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: #fff;
    box-shadow: 0 6px 24px rgba(232,160,32,.35);
}
.btn-secondary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 32px rgba(232,160,32,.45);
}

.btn-sub {
    display: block;
    font-size: .72rem;
    font-weight: 400;
    opacity: .85;
    margin-top: 1px;
}

.btn > span { display: flex; flex-direction: column; }

.btn-white {
    background: #fff;
    color: var(--primary);
    font-weight: 700;
    box-shadow: 0 4px 16px rgba(0,0,0,.15);
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.2); }

/* ---- Header ---- */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(255,255,255,.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border);
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: 0 4px 24px rgba(0,0,0,.1);
}

.header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    height: 72px;
    display: flex;
    align-items: center;
    gap: 32px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}
.logo-icon {
    width: 44px; height: 44px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    color: #fff; font-size: 1.2rem;
}
.logo-text { display: flex; flex-direction: column; }
.logo-main { font-size: 1.2rem; font-weight: 800; color: var(--primary); line-height: 1.2; }
.logo-sub { font-size: .65rem; color: var(--text-light); letter-spacing: .08em; }

.nav {
    display: flex;
    align-items: center;
    gap: 28px;
    margin-left: auto;
}
.nav a {
    font-size: .9rem;
    font-weight: 500;
    color: var(--text-gray);
    transition: var(--transition);
    position: relative;
}
.nav a::after {
    content: '';
    position: absolute;
    bottom: -2px; left: 0; right: 0;
    height: 2px;
    background: var(--primary);
    transform: scaleX(0);
    transition: var(--transition);
}
.nav a:hover { color: var(--primary); }
.nav a:hover::after { transform: scaleX(1); }

.header-cta {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    background: var(--primary);
    color: #fff;
    border-radius: 50px;
    font-weight: 700;
    font-size: .9rem;
    transition: var(--transition);
    white-space: nowrap;
}
.header-cta:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(26,58,107,.3);
}

/* ---- Hero ---- */
.hero {
    min-height: 100vh;
    padding: 120px 0 80px;
    background: linear-gradient(135deg, #0d2347 0%, #1a3a6b 50%, #1e4a9a 100%);
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
}

.hero-bg {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.hero-shape {
    position: absolute;
    border-radius: 50%;
    opacity: .08;
    animation: float 8s ease-in-out infinite;
}
.shape1 {
    width: 500px; height: 500px;
    background: radial-gradient(circle, #60a5fa, transparent);
    top: -100px; right: -100px;
    animation-delay: 0s;
}
.shape2 {
    width: 350px; height: 350px;
    background: radial-gradient(circle, #fbbf24, transparent);
    bottom: -50px; left: 10%;
    animation-delay: -3s;
}
.shape3 {
    width: 250px; height: 250px;
    background: radial-gradient(circle, #a78bfa, transparent);
    top: 40%; left: 40%;
    animation-delay: -5s;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(20px, -20px) scale(1.05); }
    66% { transform: translate(-15px, 15px) scale(.95); }
}

.hero > .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 50px;
    padding: 8px 16px;
    color: rgba(255,255,255,.9);
    font-size: .85rem;
    font-weight: 500;
    margin-bottom: 24px;
    backdrop-filter: blur(8px);
}
.badge-dot {
    width: 8px; height: 8px;
    background: #4ade80;
    border-radius: 50%;
    animation: blink 1.5s ease-in-out infinite;
}
@keyframes blink {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: .5; transform: scale(1.3); box-shadow: 0 0 8px #4ade80; }
}

.hero-title {
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 900;
    color: #fff;
    line-height: 1.25;
    margin-bottom: 20px;
}
.highlight {
    color: var(--accent);
    position: relative;
}
.highlight::after {
    content: '';
    position: absolute;
    bottom: 2px; left: 0; right: 0;
    height: 6px;
    background: rgba(232,160,32,.3);
    border-radius: 3px;
}

.hero-desc {
    font-size: 1.1rem;
    color: rgba(255,255,255,.8);
    margin-bottom: 32px;
    line-height: 1.8;
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 24px;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.15);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin-bottom: 36px;
    backdrop-filter: blur(8px);
}
.stat-item { text-align: center; }
.stat-num {
    display: block;
    font-size: 1.6rem;
    font-weight: 900;
    color: var(--accent);
}
.stat-label {
    display: block;
    font-size: .75rem;
    color: rgba(255,255,255,.7);
    margin-top: 2px;
}
.stat-divider {
    width: 1px;
    height: 40px;
    background: rgba(255,255,255,.2);
}

.hero-btns {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

/* Phone Mockup */
.hero-visual {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 40px;
}

.phone-mockup {
    width: 280px;
    background: linear-gradient(145deg, #1e293b, #0f172a);
    border-radius: 36px;
    border: 2px solid rgba(255,255,255,.15);
    padding: 20px;
    box-shadow: 0 40px 80px rgba(0,0,0,.5), 0 0 0 1px rgba(255,255,255,.05);
    position: relative;
    z-index: 2;
    animation: phoneFloat 4s ease-in-out infinite;
}
@keyframes phoneFloat {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

.phone-screen {
    background: linear-gradient(135deg, #1a3a6b, #2a5298);
    border-radius: 24px;
    padding: 20px;
    overflow: hidden;
}
.screen-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
}
.screen-logo {
    font-weight: 800;
    color: #fff;
    font-size: .9rem;
}
.screen-time {
    background: #4ade80;
    color: #0a2f1a;
    font-size: .7rem;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: 20px;
}
.screen-amount {
    text-align: center;
    margin-bottom: 24px;
}
.amount-label {
    font-size: .75rem;
    color: rgba(255,255,255,.7);
    margin-bottom: 4px;
}
.amount-value {
    display: flex;
    align-items: baseline;
    justify-content: center;
    gap: 4px;
}
.amount-num {
    font-size: 2.5rem;
    font-weight: 900;
    color: var(--accent);
}
.amount-unit {
    font-size: 1rem;
    color: rgba(255,255,255,.8);
    font-weight: 600;
}
.amount-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    background: rgba(74,222,128,.15);
    border: 1px solid rgba(74,222,128,.3);
    color: #4ade80;
    font-size: .72rem;
    padding: 4px 12px;
    border-radius: 20px;
    margin-top: 8px;
}
.screen-steps { display: flex; flex-direction: column; gap: 8px; }
.step-item {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.06);
    border-radius: 8px;
    padding: 8px 12px;
    font-size: .75rem;
    color: rgba(255,255,255,.6);
}
.step-item.done {
    color: #4ade80;
    background: rgba(74,222,128,.08);
    border: 1px solid rgba(74,222,128,.2);
}
.step-item.active {
    animation: pulse-green .8s ease-in-out infinite alternate;
}
@keyframes pulse-green {
    from { box-shadow: 0 0 0 0 rgba(74,222,128,.3); }
    to { box-shadow: 0 0 0 6px rgba(74,222,128,.0); }
}

.floating-card {
    position: absolute;
    background: rgba(255,255,255,.95);
    border-radius: var(--radius);
    padding: 10px 16px;
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: .8rem;
    font-weight: 700;
    color: var(--primary);
    box-shadow: var(--shadow-lg);
    backdrop-filter: blur(8px);
    z-index: 3;
    white-space: nowrap;
}
.floating-card i { font-size: 1rem; }
.card1 { top: 15%; left: -20px; animation: floatCard 3s ease-in-out infinite; }
.card1 i { color: var(--green); }
.card2 { bottom: 30%; right: -20px; animation: floatCard 3.5s ease-in-out infinite .5s; }
.card2 i { color: var(--accent); }
.card3 { bottom: 10%; left: -10px; animation: floatCard 3.2s ease-in-out infinite 1s; }
.card3 i { color: var(--blue); }
@keyframes floatCard {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* ---- Section Common ---- */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}
.section-tag {
    display: inline-block;
    background: rgba(26,58,107,.08);
    color: var(--primary);
    font-size: .8rem;
    font-weight: 700;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 12px;
    letter-spacing: .05em;
    text-transform: uppercase;
}
.section-tag.white {
    background: rgba(255,255,255,.15);
    color: #fff;
}
.section-header h2 {
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    font-weight: 900;
    color: var(--text-dark);
    margin-bottom: 12px;
}
.section-header p {
    color: var(--text-gray);
    font-size: 1rem;
}

/* ---- Features ---- */
.features {
    padding: 96px 0;
    background: var(--bg-light);
}
.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.feature-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-align: center;
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    opacity: 0;
    transform: translateY(20px);
}
.feature-card.visible {
    opacity: 1;
    transform: translateY(0);
}
.feature-card::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--blue));
    transform: scaleX(0);
    transition: var(--transition);
}
.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}
.feature-card:hover::before { transform: scaleX(1); }

.feature-icon-wrap {
    position: relative;
    display: inline-block;
    margin-bottom: 20px;
}
.feature-icon {
    width: 72px; height: 72px;
    background: linear-gradient(135deg, rgba(26,58,107,.1), rgba(42,82,152,.15));
    border-radius: 20px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.8rem;
    color: var(--primary);
    position: relative;
    z-index: 1;
    transition: var(--transition);
}
.feature-icon.blue { background: linear-gradient(135deg, rgba(37,99,235,.1), rgba(37,99,235,.15)); color: var(--blue); }
.feature-icon.green { background: linear-gradient(135deg, rgba(16,185,129,.1), rgba(16,185,129,.15)); color: var(--green); }
.feature-icon.orange { background: linear-gradient(135deg, rgba(245,158,11,.1), rgba(245,158,11,.15)); color: var(--orange); }
.feature-card:hover .feature-icon { transform: scale(1.1) rotate(-5deg); }
.feature-glow {
    position: absolute;
    inset: -8px;
    border-radius: 28px;
    background: radial-gradient(circle, rgba(26,58,107,.15), transparent);
    opacity: 0;
    transition: var(--transition);
}
.feature-glow.blue { background: radial-gradient(circle, rgba(37,99,235,.15), transparent); }
.feature-glow.green { background: radial-gradient(circle, rgba(16,185,129,.15), transparent); }
.feature-glow.orange { background: radial-gradient(circle, rgba(245,158,11,.15), transparent); }
.feature-card:hover .feature-glow { opacity: 1; }

.feature-card h3 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-dark);
}
.feature-card p {
    font-size: .88rem;
    color: var(--text-gray);
    line-height: 1.7;
    margin-bottom: 16px;
}
.feature-tag {
    display: inline-block;
    background: rgba(26,58,107,.07);
    color: var(--primary);
    font-size: .75rem;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 20px;
}
.feature-tag.blue { background: rgba(37,99,235,.07); color: var(--blue); }
.feature-tag.green { background: rgba(16,185,129,.07); color: var(--green); }
.feature-tag.orange { background: rgba(245,158,11,.07); color: var(--orange); }

/* ---- Easy Loan ---- */
.easy-loan {
    padding: 96px 0;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, var(--primary-light) 100%);
    position: relative;
    overflow: hidden;
}
.easy-loan::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.easy-loan-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.easy-loan-text h2 {
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 900;
    color: #fff;
    margin: 12px 0 16px;
    line-height: 1.35;
}
.highlight-white { color: var(--accent); }
.easy-loan-text > p {
    color: rgba(255,255,255,.8);
    font-size: 1rem;
    margin-bottom: 28px;
    line-height: 1.8;
}
.easy-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 32px;
}
.easy-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,.9);
    font-size: .95rem;
    font-weight: 500;
}
.easy-list i { color: #4ade80; font-size: 1rem; }

/* Approval Card */
.approval-card {
    background: rgba(255,255,255,.97);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: 0 24px 64px rgba(0,0,0,.3);
}
.approval-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 28px;
}
.approval-logo {
    font-weight: 900;
    color: var(--primary);
    font-size: 1rem;
}
.approval-stamp {
    background: var(--green);
    color: #fff;
    font-size: .8rem;
    font-weight: 700;
    padding: 4px 14px;
    border-radius: 20px;
}
.approval-bar-wrap { margin-bottom: 20px; }
.bar-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
    font-size: .85rem;
    font-weight: 500;
    color: var(--text-gray);
}
.bar-percent { font-weight: 800; color: var(--text-dark); }
.approval-bar {
    height: 10px;
    background: var(--bg-light);
    border-radius: 5px;
    overflow: hidden;
}
.bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary), var(--blue));
    border-radius: 5px;
    transition: width 1.5s cubic-bezier(.4,0,.2,1);
}
.bar-fill.green { background: linear-gradient(90deg, var(--green), #34d399); }
.bar-fill.orange { background: linear-gradient(90deg, var(--orange), #fcd34d); }
.approval-notice {
    font-size: .75rem;
    color: var(--text-light);
    display: flex;
    align-items: center;
    gap: 4px;
    margin-top: 4px;
}

/* ---- Process ---- */
.process {
    padding: 96px 0;
    background: var(--bg-white);
}
.process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    position: relative;
    margin-bottom: 48px;
}
.process-step {
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    text-align: center;
    position: relative;
    border: 1px solid var(--border);
    transition: var(--transition);
}
.process-step:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}
.step-num {
    font-size: 3rem;
    font-weight: 900;
    color: rgba(26,58,107,.08);
    position: absolute;
    top: 20px; right: 20px;
    line-height: 1;
}
.step-icon {
    width: 72px; height: 72px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.6rem;
    color: #fff;
    margin: 0 auto 20px;
    box-shadow: 0 8px 24px rgba(26,58,107,.3);
}
.step-icon.blue { background: linear-gradient(135deg, var(--blue), #60a5fa); box-shadow: 0 8px 24px rgba(37,99,235,.3); }
.step-icon.green { background: linear-gradient(135deg, var(--green), #34d399); box-shadow: 0 8px 24px rgba(16,185,129,.3); }
.process-step h3 {
    font-size: 1.2rem;
    font-weight: 800;
    margin-bottom: 12px;
    color: var(--text-dark);
}
.process-step p {
    font-size: .88rem;
    color: var(--text-gray);
    line-height: 1.7;
}
.step-arrow {
    position: absolute;
    top: 50%; right: -20px;
    transform: translateY(-50%);
    width: 40px; height: 40px;
    background: var(--primary);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: #fff;
    font-size: .8rem;
    z-index: 1;
    box-shadow: var(--shadow);
}
.process-cta {
    text-align: center;
    padding: 32px;
    background: linear-gradient(135deg, var(--bg-light), #e2e8f0);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}
.process-cta p {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--primary);
    display: flex;
    align-items: center;
    gap: 8px;
}
.process-cta i { color: var(--orange); }

/* ---- Reviews ---- */
.reviews {
    padding: 96px 0;
    background: var(--bg-light);
    overflow: hidden;
}
.live-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(239,68,68,.08);
    border: 1px solid rgba(239,68,68,.2);
    color: var(--red);
    font-size: .82rem;
    font-weight: 700;
    padding: 6px 16px;
    border-radius: 50px;
    margin: -24px auto 40px;
    display: flex;
    width: fit-content;
    margin-left: auto;
    margin-right: auto;
    margin-bottom: 40px;
}
.live-dot {
    width: 8px; height: 8px;
    background: var(--red);
    border-radius: 50%;
    animation: liveBlinking 1s ease-in-out infinite;
}
@keyframes liveBlinking {
    0%, 100% { opacity: 1; box-shadow: 0 0 0 0 rgba(239,68,68,.6); }
    50% { opacity: .7; box-shadow: 0 0 0 4px rgba(239,68,68,.0); }
}

.reviews-marquee-wrap {
    overflow: hidden;
    margin-bottom: 20px;
    padding: 8px 0;
}
.reviews-marquee-wrap.reverse .reviews-marquee {
    animation-direction: reverse;
}
.reviews-marquee {
    display: flex;
    gap: 20px;
    width: max-content;
    animation: marquee 30s linear infinite;
}
.reviews-marquee-wrap:hover .reviews-marquee { animation-play-state: paused; }
@keyframes marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.review-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 24px 28px;
    min-width: 320px;
    max-width: 320px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    flex-shrink: 0;
}
.review-card:hover {
    box-shadow: var(--shadow);
    border-color: var(--primary);
    transform: translateY(-4px);
}
.review-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 14px;
}
.review-avatar {
    width: 44px; height: 44px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    font-weight: 800;
    color: #fff;
    flex-shrink: 0;
}
.review-info { flex: 1; }
.review-name { font-weight: 700; font-size: .9rem; color: var(--text-dark); }
.review-date { font-size: .75rem; color: var(--text-light); }
.review-stars { color: var(--accent); font-size: .85rem; letter-spacing: 2px; }
.review-time-badge {
    background: rgba(74,222,128,.1);
    border: 1px solid rgba(74,222,128,.3);
    color: #059669;
    font-size: .68rem;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 20px;
    white-space: nowrap;
}
.review-content {
    font-size: .88rem;
    color: var(--text-gray);
    line-height: 1.7;
    margin-bottom: 12px;
}
.review-tag {
    display: inline-block;
    background: rgba(26,58,107,.06);
    color: var(--primary);
    font-size: .72rem;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 20px;
}

/* ---- Trust ---- */
.trust {
    padding: 64px 0;
    background: var(--primary-dark);
}
.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}
.trust-item {
    text-align: center;
    padding: 24px;
    border-right: 1px solid rgba(255,255,255,.1);
}
.trust-item:last-child { border-right: none; }
.trust-item i {
    font-size: 2.4rem;
    color: var(--accent);
    margin-bottom: 16px;
    display: block;
}
.trust-item h4 {
    font-size: 1rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 8px;
}
.trust-item p {
    font-size: .82rem;
    color: rgba(255,255,255,.6);
    line-height: 1.6;
}

/* ---- FAQ ---- */
.faq {
    padding: 96px 0;
    background: var(--bg-white);
}
.faq-list {
    max-width: 760px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    transition: var(--transition);
}
.faq-item.open { border-color: var(--primary); box-shadow: 0 4px 16px rgba(26,58,107,.1); }
.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    cursor: pointer;
    font-weight: 600;
    font-size: .95rem;
    color: var(--text-dark);
    gap: 16px;
    user-select: none;
    transition: var(--transition);
}
.faq-question:hover { color: var(--primary); }
.faq-question > span { display: flex; align-items: center; gap: 10px; }
.faq-question i.fa-question-circle { color: var(--primary); font-size: 1rem; flex-shrink: 0; }
.faq-arrow { transition: transform .3s ease; color: var(--text-light); flex-shrink: 0; }
.faq-item.open .faq-arrow { transform: rotate(180deg); color: var(--primary); }
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s cubic-bezier(.4,0,.2,1), padding .3s;
    padding: 0 24px;
}
.faq-answer.open {
    max-height: 200px;
    padding: 0 24px 20px;
}
.faq-answer p {
    color: var(--text-gray);
    font-size: .9rem;
    line-height: 1.8;
    padding-top: 4px;
    border-top: 1px solid var(--border);
    padding-top: 16px;
}

/* ---- Bottom CTA ---- */
.bottom-cta {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--primary-dark), var(--primary));
    text-align: center;
}
.bottom-cta-inner h2 {
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    font-weight: 900;
    color: #fff;
    margin-bottom: 12px;
}
.bottom-cta-inner p {
    color: rgba(255,255,255,.8);
    font-size: 1rem;
    margin-bottom: 36px;
    line-height: 1.8;
}
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-white-fill {
    background: #fff;
    color: var(--primary);
    padding: 16px 32px;
    border-radius: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 16px;
    transition: var(--transition);
    box-shadow: 0 8px 32px rgba(0,0,0,.2);
}
.btn-white-fill:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,.25); }
.btn-white-fill i, .btn-outline-white i { font-size: 1.6rem; }
.btn-white-fill span, .btn-outline-white span { display: block; font-size: 1rem; }
.btn-white-fill small, .btn-outline-white small { display: block; font-size: .75rem; opacity: .7; margin-top: 2px; }
.btn-outline-white {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255,255,255,.5);
    padding: 16px 32px;
    border-radius: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 16px;
    transition: var(--transition);
}
.btn-outline-white:hover {
    background: rgba(255,255,255,.1);
    border-color: #fff;
    transform: translateY(-4px);
}

/* ---- Footer ---- */
.footer {
    background: var(--text-dark);
    padding: 48px 0 24px;
}
.footer-inner {
    display: grid;
    grid-template-columns: auto 1fr 1fr;
    gap: 48px;
    align-items: start;
    padding-bottom: 32px;
    border-bottom: 1px solid rgba(255,255,255,.08);
    margin-bottom: 24px;
}
.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: #fff;
    font-size: 1.2rem;
    font-weight: 800;
}
.footer-logo i { color: var(--accent); font-size: 1.4rem; }
.footer-info p, .footer-notice p {
    font-size: .82rem;
    color: rgba(255,255,255,.5);
    margin-bottom: 4px;
    line-height: 1.7;
}
.footer-info a { color: var(--accent); }
.footer-notice p { font-size: .76rem; color: rgba(255,255,255,.35); }
.footer-bottom { text-align: center; }
.footer-bottom p { font-size: .78rem; color: rgba(255,255,255,.3); }

/* ---- Fixed CTA ---- */
.fixed-cta {
    position: fixed;
    bottom: 32px;
    right: 24px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    z-index: 999;
}
.fixed-btn {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 20px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 700;
    cursor: pointer;
    position: relative;
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(0,0,0,.25);
    transition: var(--transition);
    min-width: 170px;
}
.fixed-btn:hover { transform: translateX(-4px) scale(1.03); }
.phone-btn {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
}
.sms-btn {
    background: linear-gradient(135deg, var(--accent), var(--accent-dark));
    color: #fff;
}
.fixed-btn i { font-size: 1.3rem; flex-shrink: 0; }
.fixed-btn-text span { display: block; font-size: .88rem; font-weight: 700; }
.fixed-btn-text small { display: block; font-size: .72rem; opacity: .85; }

/* Ripple */
.btn-ripple {
    position: absolute;
    border-radius: 50%;
    background: rgba(255,255,255,.3);
    transform: scale(0);
    animation: ripple-anim 2s ease-out infinite;
    width: 100%; height: 100%;
    top: 0; left: 0;
    border-radius: 50px;
}
@keyframes ripple-anim {
    0% { transform: scale(1); opacity: .4; }
    100% { transform: scale(1.2); opacity: 0; }
}

/* Scroll Top */
.scroll-top {
    position: fixed;
    bottom: 130px;
    right: 24px;
    width: 44px; height: 44px;
    background: var(--primary);
    color: #fff;
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
    z-index: 998;
    box-shadow: var(--shadow);
    opacity: 0;
    transform: translateY(20px);
    transition: var(--transition);
    pointer-events: none;
}
.scroll-top.visible { opacity: 1; transform: translateY(0); pointer-events: all; }
.scroll-top:hover { background: var(--primary-dark); transform: translateY(-2px); }

/* ---- Animations ---- */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}
.animate-in {
    animation: fadeInUp .7s cubic-bezier(.4,0,.2,1) both;
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
    .features-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
    .trust-item:nth-child(3), .trust-item:last-child { border-bottom: none; }
}

@media (max-width: 900px) {
    .nav { display: none; }
    .hero > .container { grid-template-columns: 1fr; gap: 48px; }
    .hero-visual { display: none; }
    .easy-loan-inner { grid-template-columns: 1fr; gap: 40px; }
    .process-steps { grid-template-columns: 1fr; gap: 24px; }
    .step-arrow { display: none; }
    .footer-inner { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 640px) {
    .features-grid { grid-template-columns: 1fr; }
    .hero-btns { flex-direction: column; }
    .hero-stats { flex-direction: column; gap: 16px; }
    .stat-divider { width: 100%; height: 1px; }
    .hero-stats { padding: 20px; }
    .process-cta { flex-direction: column; text-align: center; }
    .trust-grid { grid-template-columns: 1fr 1fr; }
    .fixed-cta { bottom: 16px; right: 12px; }
    .fixed-btn { min-width: 150px; padding: 12px 16px; }
    .cta-btns { flex-direction: column; align-items: center; }
    .footer-inner { grid-template-columns: 1fr; }
    .header-cta { display: none; }
}