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

:root {
  --green-primary: #309f48;
  --green-cta: #2ebf4e;
  --green-dark: #118919;
  --green-light: #9ac8b2;
  --accent: #84cc16;
  --text: #1e1a17;
  --white: #ffffff;
  --bg-cream: #f7faf8;
  --bg-glass: rgba(255, 255, 255, 0.6);
  --radius: 20px;
  --radius-sm: 12px;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Open Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  line-height: 1.15;
}

/* REVEAL ANIMATIONS */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s cubic-bezier(.22, 1, .36, 1), transform 0.7s cubic-bezier(.22, 1, .36, 1);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 {
  transition-delay: 0.1s;
}

.reveal-delay-2 {
  transition-delay: 0.2s;
}

.reveal-delay-3 {
  transition-delay: 0.3s;
}

.reveal-delay-4 {
  transition-delay: 0.4s;
}

/* FLOATING BLOBS */
.blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.25;
  pointer-events: none;
  z-index: 0;
}

/* NAV */
nav {
  position: fixed;
  top: 0;
  left: 0;
  transform: none;
  z-index: 100;
  background: linear-gradient(to bottom, rgba(255, 255, 255, 0.78), rgba(255, 255, 255, 0.54));
  backdrop-filter: blur(32px) saturate(190%);
  -webkit-backdrop-filter: blur(32px) saturate(190%);
  border-bottom: none;
  border-radius: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 5%;
  width: 100%;
  overflow: visible;
  box-shadow: none;
  transition: all .3s ease;
}

nav::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: -34px;
  height: 34px;
  pointer-events: none;
  backdrop-filter: blur(22px);
  -webkit-backdrop-filter: blur(22px);
  background: linear-gradient(to bottom, rgba(255, 255, 255, 0.28), rgba(255, 255, 255, 0));
}

nav.scrolled {
  background: linear-gradient(to bottom, rgba(255, 255, 255, 0.84), rgba(255, 255, 255, 0.58));
  box-shadow: none;
}

.nav-logo img {
  width: 148px;
  height: auto;
  max-height: 62px;
  object-fit: contain;
  display: block;
}

.nav-links {
  display: flex;
  gap: 8px;
  align-items: center;
}

/* HERO LEGAL BOX */
.hero-legal-box {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  align-items: center;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.09), rgba(255, 255, 255, 0.72));
  padding: 14px 16px;
  border-radius: 18px;
  margin-top: 24px;
  margin-bottom: 32px;
  max-width: 560px;
  font-size: 13px;
  color: #444;
  line-height: 1.6;
  border: 1px solid rgba(48, 159, 72, 0.16);
  box-shadow: 0 16px 40px rgba(48, 159, 72, 0.08);
}

.hero-legal-icon {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--white);
  color: var(--green-primary);
  border: 1px solid rgba(48, 159, 72, 0.14);
  box-shadow: 0 8px 20px rgba(48, 159, 72, 0.1);
}

.hero-legal-icon svg {
  width: 22px;
  height: 22px;
}

.hero-legal-box span,
.hero-legal-box small {
  display: block;
}

.hero-legal-box span {
  color: var(--green-dark);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.hero-legal-box strong {
  display: block;
  color: var(--text);
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  line-height: 1.35;
  margin: 1px 0 2px;
}

.hero-legal-box small {
  color: #606060;
  font-size: 12.5px;
  line-height: 1.45;
}

.nav-links a {
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  font-size: 13px;
  padding: 8px 16px;
  border-radius: 40px;
  transition: all .25s;
}

.nav-links a:hover {
  background: var(--bg-cream);
  color: var(--green-primary);
}

@media (max-width: 900px) {
  .nav-links {
    display: none;
  }

  .mobile-menu-btn {
    display: block;
  }
}

.nav-cta {
  background: var(--green-primary) !important;
  color: var(--white) !important;
  padding: 10px 24px !important;
  font-weight: 700 !important;
  border-radius: 40px;
  transition: background .2s, transform .15s !important;
}

.nav-cta:hover {
  background: var(--green-dark) !important;
  transform: scale(1.04);
}

/* HERO */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 120px 24px 80px;
  position: relative;
  overflow: hidden;
}

.hero .blob-1 {
  width: 500px;
  height: 500px;
  background: var(--green-cta);
  top: -100px;
  right: -100px;
}

.hero .blob-2 {
  width: 400px;
  height: 400px;
  background: var(--accent);
  bottom: -80px;
  left: -80px;
  opacity: 0.15;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  max-width: 1200px;
  width: 100%;
  position: relative;
  z-index: 1;
}

.hero h1 {
  font-size: clamp(36px, 5vw, 56px);
  letter-spacing: -1.5px;
  margin-bottom: 20px;
}

.hero h1 .highlight {
  background: linear-gradient(135deg, var(--green-primary), var(--green-cta));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero p {
  font-size: 17px;
  color: #555;
  max-width: 480px;
  margin-bottom: 32px;
  text-wrap: pretty;
}

.hero-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green-primary);
  color: var(--white);
  padding: 16px 36px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all .25s cubic-bezier(.22, 1, .36, 1);
  box-shadow: 0 4px 20px rgba(48, 159, 72, 0.3);
}

.btn-primary:hover {
  background: var(--green-dark);
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 8px 30px rgba(48, 159, 72, 0.4);
}

.btn-primary:active {
  transform: scale(0.97);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  color: var(--green-primary);
  padding: 16px 36px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  border: 2px solid rgba(48, 159, 72, 0.2);
  cursor: pointer;
  transition: all .25s;
}

.btn-secondary:hover {
  border-color: var(--green-primary);
  background: var(--bg-cream);
}

.trust-strip {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: #555;
  background: var(--bg-glass);
  backdrop-filter: blur(10px);
  padding: 8px 16px;
  border-radius: 40px;
  border: 1px solid rgba(48, 159, 72, 0.1);
}

.trust-item svg {
  width: 16px;
  height: 16px;
  color: var(--green-primary);
  flex-shrink: 0;
}

/* MASCOT HERO */
.mascot-hero {
  width: 100%;
  max-width: 440px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  margin: 0 auto;
  position: relative;
}

.mascot-hero img {
  width: 100%;
  max-width: 420px;
  filter: drop-shadow(0 24px 48px rgba(48, 159, 72, 0.18));
  animation: mascotFloat 4s ease-in-out infinite;
}

@keyframes mascotFloat {

  0%,
  100% {
    transform: translateY(0px);
  }

  50% {
    transform: translateY(-14px);
  }
}

.mascot-inline {
  width: 120px;
  height: 120px;
  border-radius: 24px;
  flex-shrink: 0;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.06), rgba(132, 204, 22, 0.06));
  border: 2px dashed rgba(48, 159, 72, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  color: var(--green-primary);
  opacity: 0.5;
  font-weight: 700;
  text-align: center;
}

.mascot-small {
  width: 80px;
  height: 80px;
  border-radius: 20px;
  flex-shrink: 0;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.08), rgba(132, 204, 22, 0.06));
  border: 2px dashed rgba(48, 159, 72, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 9px;
  color: var(--green-primary);
  opacity: 0.5;
  font-weight: 700;
  text-align: center;
}

/* SECTION BASES */
section {
  padding: 100px 24px;
  position: relative;
  overflow: hidden;
}

.section-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--green-primary);
  margin-bottom: 16px;
  background: rgba(48, 159, 72, 0.08);
  padding: 6px 16px;
  border-radius: 40px;
}

.section-title {
  font-size: clamp(28px, 4vw, 42px);
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}

.section-title .highlight {
  background: linear-gradient(135deg, var(--green-primary), var(--green-cta));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-sub {
  color: #666;
  font-size: 16px;
  max-width: 560px;
  margin-bottom: 48px;
  text-wrap: pretty;
}

.section-sub.center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.bg-green {
  background: var(--bg-cream);
}

/* PROBLEM */
.problem-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.problem-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: transform .3s, box-shadow .3s;
}

.problem-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.06);
}

.problem-card h3 {
  font-size: 20px;
  margin-bottom: 20px;
}

.pain-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.pain-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  line-height: 1.5;
}

.pain-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 7px;
}

.pain-dot.red {
  background: #ef4444;
}

.pain-dot.amber {
  background: #f59e0b;
}

.solution-card {
  background: linear-gradient(145deg, var(--green-primary), var(--green-dark));
  color: var(--white);
  border: none;
}

.solution-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(17, 137, 25, 0.2);
}

.solution-card h3 {
  color: var(--white);
}

.solution-card .pain-dot {
  background: rgba(255, 255, 255, 0.4);
}

.solution-punchline {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  font-weight: 700;
  font-size: 16px;
}

/* MONEY MOMENTS */
.moments-section {
  background:
    linear-gradient(135deg, rgba(48, 159, 72, 0.08), rgba(255, 255, 255, 0) 42%),
    linear-gradient(180deg, var(--white), var(--bg-cream));
}

.moments-header {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr);
  gap: 48px;
  align-items: center;
  margin-bottom: 34px;
}

.moments-header .section-sub {
  margin-bottom: 0;
}

.moments-hero-mascot {
  justify-self: start;
  width: min(250px, 100%);
  position: relative;
}

.moments-hero-mascot img {
  width: 100%;
  height: auto;
  display: block;
  position: relative;
  filter: drop-shadow(0 24px 48px rgba(48, 159, 72, 0.18));
  animation: mascotFloat 4s ease-in-out infinite;
}

.moments-grid {
  display: grid;
  grid-template-columns: 1fr 1.12fr 1fr;
  gap: 18px;
  align-items: stretch;
}

.moment-card {
  min-height: 320px;
  padding: 28px 24px 0;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 16px 44px rgba(0, 0, 0, 0.05);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
  position: relative;
  isolation: isolate;
  transition: transform .3s, box-shadow .3s;
}

.moment-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(155deg, rgba(253, 186, 116, 0.18), rgba(48, 159, 72, 0.08) 48%, rgba(255, 255, 255, 0));
  z-index: 0;
}

.moment-card>* {
  position: relative;
  z-index: 1;
}

.moment-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 24px 54px rgba(0, 0, 0, 0.08);
}

.moment-card-dark {
  background: linear-gradient(145deg, #103f1a, var(--green-dark));
  color: var(--white);
}

.moment-card-dark::before {
  background: linear-gradient(155deg, rgba(255, 255, 255, 0.16), rgba(132, 204, 22, 0.08) 54%, rgba(255, 255, 255, 0));
}

.moment-tag {
  display: inline-flex;
  width: fit-content;
  margin-bottom: 14px;
  padding: 6px 12px;
  border-radius: 40px;
  background: rgba(48, 159, 72, 0.1);
  color: var(--green-primary);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.moment-card-dark .moment-tag {
  background: rgba(255, 255, 255, 0.14);
  color: var(--accent);
}

.moment-card h3 {
  font-size: 21px;
  margin-bottom: 10px;
}

.moment-card p {
  color: #666;
  font-size: 14px;
  max-width: 300px;
}

.moment-card-dark p {
  color: rgba(255, 255, 255, 0.78);
}

.moment-card img {
  width: min(76%, 230px);
  height: 170px;
  object-fit: contain;
  object-position: bottom right;
  align-self: flex-end;
  margin: 16px -8px -8px 0;
  filter: drop-shadow(0 18px 28px rgba(0, 0, 0, 0.1));
  animation: mascotFloat 4.8s ease-in-out infinite;
}

.moment-card:nth-child(2) img {
  width: min(84%, 260px);
  height: 200px;
  margin-right: -18px;
  animation-delay: .4s;
}

.moment-card:nth-child(3) img {
  width: min(82%, 240px);
  animation-delay: .8s;
}

/* SERVICES */
.service-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: all .3s cubic-bezier(.22, 1, .36, 1);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--green-primary), var(--green-cta));
  opacity: 0;
  transition: opacity .3s;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.08);
}

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

.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.1), rgba(132, 204, 22, 0.08));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.service-icon svg {
  width: 24px;
  height: 24px;
  color: var(--green-primary);
}

.service-card h3 {
  font-size: 19px;
  margin-bottom: 8px;
}

.service-card>p {
  font-size: 14px;
  color: #777;
  margin-bottom: 20px;
}

.service-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.service-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
}

.service-features li svg {
  width: 18px;
  height: 18px;
  color: var(--green-cta);
  flex-shrink: 0;
}

/* KEY FEATURES */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.feature-item {
  padding: 32px 24px;
  border-radius: var(--radius);
  background: var(--bg-glass);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(48, 159, 72, 0.08);
  transition: all .3s;
  text-align: center;
}

.feature-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.05);
  background: var(--white);
}

.feature-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  margin: 0 auto 16px;
  background: linear-gradient(135deg, var(--green-primary), var(--green-cta));
  display: flex;
  align-items: center;
  justify-content: center;
}

.feature-icon svg {
  width: 22px;
  height: 22px;
  color: white;
}

.feature-item h4 {
  font-size: 15px;
  margin-bottom: 6px;
  font-weight: 700;
}

.feature-item p {
  font-size: 13px;
  color: #777;
}

/* HOW IT WORKS */
.steps-container {
  position: relative;
}

.steps-line {
  position: absolute;
  top: 35px;
  left: calc(16.66%);
  width: calc(66.66%);
  height: 2px;
  background: linear-gradient(90deg, var(--green-primary), var(--green-cta), var(--accent));
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}

.step {
  text-align: center;
}

.step-num {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--green-primary);
  color: var(--green-primary);
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  position: relative;
  z-index: 1;
  transition: all .3s;
}

.step:hover .step-num {
  background: var(--green-primary);
  color: var(--white);
  transform: scale(1.1);
}

.step h3 {
  font-size: 18px;
  margin-bottom: 8px;
}

.step p {
  font-size: 14px;
  color: #666;
  max-width: 240px;
  margin: 0 auto;
}

/* CALCULATOR */
.calc-section {
  background: linear-gradient(180deg, var(--bg-cream), var(--white));
}

.calc-layout {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 28px;
  align-items: start;
}

.calc-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: 0 4px 40px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.calc-card h3 {
  font-size: 20px;
  margin-bottom: 32px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.calc-card h3 svg {
  width: 22px;
  height: 22px;
  color: var(--green-primary);
}

.slider-group {
  margin-bottom: 28px;
}

.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.slider-label span {
  font-weight: 600;
  font-size: 14px;
  color: #444;
}

.slider-label strong {
  color: var(--green-primary);
  font-size: 15px;
  font-weight: 700;
  background: rgba(48, 159, 72, 0.08);
  padding: 4px 12px;
  border-radius: 8px;
}

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: #e8e8e8;
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--green-primary);
  cursor: grab;
  border: 4px solid var(--white);
  box-shadow: 0 2px 10px rgba(48, 159, 72, 0.3);
  transition: transform .15s, box-shadow .15s;
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 4px 16px rgba(48, 159, 72, 0.4);
}

input[type="range"]:active::-webkit-slider-thumb {
  cursor: grabbing;
  transform: scale(1.1);
}

.slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: #aaa;
  margin-top: 6px;
}

.summary-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: 0 4px 40px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(0, 0, 0, 0.04);
  margin-top: 12px;
}

.summary-card h3 {
  font-size: 18px;
  margin-bottom: 20px;
}

.emi-display {
  text-align: center;
  padding: 24px;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.04), rgba(132, 204, 22, 0.04));
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
  border: 1px solid rgba(48, 159, 72, 0.08);
}

.emi-display small {
  font-size: 12px;
  color: #888;
  display: block;
  margin-bottom: 4px;
}

.emi-value {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 40px;
  color: var(--green-dark);
}

.emi-value .rupee {
  font-size: 24px;
}

.summary-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.summary-box {
  padding: 16px;
  border-radius: var(--radius-sm);
  text-align: center;
  background: var(--bg-cream);
  border: 1px solid rgba(0, 0, 0, 0.03);
}

.summary-box small {
  font-size: 11px;
  color: #888;
  display: block;
  margin-bottom: 4px;
}

.summary-box strong {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 18px;
  color: var(--green-primary);
}

.apply-btn-full {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  margin-top: 20px;
  padding: 16px;
  background: var(--green-primary);
  color: var(--white);
  border: none;
  border-radius: 60px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 16px;
  cursor: pointer;
  transition: all .25s;
  box-shadow: 0 4px 20px rgba(48, 159, 72, 0.25);
}

.apply-btn-full:hover {
  background: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(48, 159, 72, 0.35);
}

.apply-btn-full:active {
  transform: scale(0.97);
}

.apply-btn-full svg {
  width: 18px;
  height: 18px;
}

.repay-btn-full {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  margin-top: 12px;
  padding: 14px 16px;
  background: var(--white);
  color: var(--green-primary);
  border: 2px solid rgba(48, 159, 72, 0.25);
  border-radius: 60px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 16px;
  cursor: pointer;
  transition: all .25s;
}

.repay-btn-full:hover {
  border-color: var(--green-primary);
  background: var(--bg-cream);
  transform: translateY(-2px);
  box-shadow: 0 4px 15px rgba(48, 159, 72, 0.1);
}

.repay-btn-full:active {
  transform: scale(0.97);
}

.repay-btn-full svg {
  width: 18px;
  height: 18px;
}

/* Benefits sidebar */
.benefits-sidebar {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.benefits-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 4px 40px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.benefits-card h4 {
  font-size: 17px;
  margin-bottom: 18px;
}

.benefits-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.benefits-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 500;
}

.benefit-check {
  width: 24px;
  height: 24px;
  border-radius: 8px;
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--green-cta), var(--green-primary));
  display: flex;
  align-items: center;
  justify-content: center;
}

.benefit-check svg {
  width: 14px;
  height: 14px;
  color: white;
}

.help-card {
  background: linear-gradient(145deg, var(--green-dark), #0a6b12);
  color: var(--white);
  border: none;
  position: relative;
  overflow: hidden;
}

.help-card::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
}

.help-card h4 {
  color: var(--accent);
}

.help-card p {
  font-size: 14px;
  opacity: 0.85;
  margin-bottom: 14px;
}

.help-link {
  color: var(--accent);
  font-weight: 700;
  text-decoration: none;
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap .2s;
}

.help-link:hover {
  gap: 10px;
}

.help-link svg {
  width: 16px;
  height: 16px;
}

/* WHY NeedCash? */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.why-item {
  padding: 28px;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.05);
  display: flex;
  gap: 16px;
  align-items: flex-start;
  transition: all .3s;
}

.why-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(0, 0, 0, 0.06);
}

.why-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  flex-shrink: 0;
  background: linear-gradient(135deg, rgba(48, 159, 72, 0.1), rgba(132, 204, 22, 0.08));
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-icon svg {
  width: 22px;
  height: 22px;
  color: var(--green-primary);
}

.why-item h4 {
  font-size: 15px;
  margin-bottom: 4px;
}

.why-item p {
  font-size: 13px;
  color: #777;
}

.why-punch {
  margin-top: 32px;
  padding: 36px;
  border-radius: var(--radius);
  background: linear-gradient(145deg, var(--green-primary), var(--green-dark));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.why-punch-text {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 20px;
}

/* ELIGIBILITY */
.elig-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.elig-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  border: 1px solid rgba(0, 0, 0, 0.05);
}

.elig-card:has(.elig-card-mascot) {
  overflow: visible;
  padding-right: 138px;
}

.elig-card h3 {
  font-size: 20px;
  margin-bottom: 24px;
}

.elig-card-mascot {
  position: absolute;
  right: -28px;
  bottom: -34px;
  width: 190px;
  height: auto;
  mix-blend-mode: multiply;
  filter: drop-shadow(0 16px 30px rgba(0, 0, 0, 0.08));
  animation: mascotFloat 4s ease-in-out infinite;
  pointer-events: none;
}

.elig-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.elig-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 15px;
}

.elig-list li svg {
  width: 20px;
  height: 20px;
  color: var(--green-cta);
  flex-shrink: 0;
}

/* FINAL CTA */
.final-cta {
  text-align: center;
  padding: 120px 24px;
  position: relative;
  overflow: hidden;
  background: linear-gradient(145deg, var(--green-primary), var(--green-dark));
}

.final-cta .blob {
  opacity: 0.12;
}

.final-cta .blob-1 {
  width: 400px;
  height: 400px;
  background: var(--accent);
  top: -100px;
  left: -100px;
}

.final-cta .blob-2 {
  width: 300px;
  height: 300px;
  background: #fff;
  bottom: -80px;
  right: -80px;
}

.final-cta-inner {
  position: relative;
  z-index: 1;
}

.final-cta h2 {
  font-size: clamp(32px, 4.5vw, 48px);
  color: var(--white);
  margin-bottom: 16px;
}

.final-cta p {
  font-size: 17px;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 40px;
}

.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  color: var(--green-primary);
  padding: 18px 44px;
  border-radius: 60px;
  font-weight: 800;
  font-size: 16px;
  text-decoration: none;
  font-family: 'Montserrat', sans-serif;
  border: none;
  cursor: pointer;
  transition: all .25s;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.btn-white:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.2);
}

.btn-white:active {
  transform: scale(0.97);
}

/* FOOTER */
footer {
  background: #0c1a0e;
  color: rgba(255, 255, 255, 0.6);
  padding: 64px 24px 32px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-logo img {
  height: 48px;
  width: auto;
  margin-bottom: 12px;
  display: block;
  opacity: 0.9;
}

footer p {
  font-size: 13px;
  line-height: 1.7;
}

footer h5 {
  color: var(--white);
  font-size: 12px;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.5);
  text-decoration: none;
  font-size: 13px;
  transition: color .2s;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.605);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.4);
}

.footer-bottom span {
  color: inherit;
}

/* PAY NOW SECTION */
.pay-now-section {
  background: var(--bg-cream);
  padding: 120px 24px;
}

.pay-now-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.pay-now-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: center;
}

.pay-now-details {
  text-align: left;
}

.pay-now-details .section-title {
  font-size: clamp(32px, 5vw, 48px);
  margin-bottom: 0;
}

.pay-now-title-row {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-bottom: 24px;
}

.pay-now-title-row img {
  width: 126px;
  height: 126px;
  object-fit: contain;
  flex-shrink: 0;
  mix-blend-mode: multiply;
  filter: drop-shadow(0 12px 20px rgba(0, 0, 0, 0.08));
  animation: mascotFloat 4s ease-in-out infinite;
}

.pay-now-details p {
  font-size: 18px;
  color: #555;
  max-width: 520px;
  margin-bottom: 32px;
}

.pay-now-image {
  display: flex;
  justify-content: center;
}

.pay-qr-container {
  background: var(--white);
  padding: 24px;
  border-radius: 32px;
  display: inline-block;
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.08);
  border: 1px solid rgba(48, 159, 72, 0.1);
  transition: transform .3s;
}

.pay-qr-container:hover {
  transform: translateY(-8px);
}

.pay-qr-container img {
  width: 240px;
  height: auto;
  display: block;
  border-radius: 16px;
}

.btn-pay {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--green-primary);
  color: var(--white);
  padding: 20px 48px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 17px;
  text-decoration: none;
  transition: all .3s cubic-bezier(.22, 1, .36, 1);
  box-shadow: 0 10px 30px rgba(48, 159, 72, 0.3);
}

.btn-pay:hover {
  background: var(--green-dark);
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 15px 40px rgba(48, 159, 72, 0.4);
}

@media (max-width: 900px) {
  .pay-now-layout {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 50px;
  }

  .pay-now-details {
    text-align: center;
  }

  .pay-now-title-row {
    justify-content: center;
  }

  .pay-now-details p {
    margin-left: auto;
    margin-right: auto;
  }
}

/* MOBILE MENU */
.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--text);
  width: 40px;
  height: 40px;
  border-radius: 10px;
  transition: background .2s;
}

.mobile-menu-btn:hover {
  background: var(--bg-cream);
}

.mobile-menu-btn svg {
  width: 24px;
  height: 24px;
}

@media (max-width: 900px) {
  .mobile-menu-btn {
    display: flex;
    align-items: center;
    justify-content: center;
  }
}

/* MOBILE NAV OVERLAY */
.mobile-nav {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(8px);
  display: none;
  align-items: flex-end;
  justify-content: center;
}

.mobile-nav.open {
  display: flex;
}

/* MOBILE */
@media (max-width: 768px) {
  nav {
    width: calc(100vw - 24px);
    padding: 8px 8px 8px 16px;
    top: 8px;
    left: 12px;
    border-radius: 18px;
  }

  .mobile-nav.open {
    display: flex;
  }

  .mobile-nav-inner {
    background: var(--white);
    border-radius: 24px 24px 0 0;
    width: 100%;
    padding: 24px 24px 40px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    animation: slideUp .3s cubic-bezier(.22, 1, .36, 1);
  }

  @keyframes slideUp {
    from {
      transform: translateY(100%);
    }
  }

  .mobile-nav-inner a {
    display: block;
    padding: 16px;
    text-decoration: none;
    color: var(--text);
    font-weight: 600;
    font-size: 16px;
    border-radius: 14px;
    transition: background .2s;
  }

  .mobile-nav-inner a:hover {
    background: var(--bg-cream);
  }

  .mobile-nav-inner .nav-cta {
    text-align: center;
    background: var(--green-primary);
    color: var(--white) !important;
    margin-top: 8px;
  }

  .mobile-close {
    align-self: flex-end;
    background: none;
    border: none;
    cursor: pointer;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #999;
    font-size: 24px;
    border-radius: 12px;
    margin-bottom: 8px;
  }

  .mobile-close:hover {
    background: var(--bg-cream);
  }

  .hero {
    min-height: auto;
    padding: 110px 20px 60px;
  }

  .nav-logo img {
    width: 126px;
    max-height: 54px;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }

  .hero p {
    margin: 0 auto 24px;
  }

  .hero-legal-box {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }

  .hero-btns {
    justify-content: center;
  }

  .trust-strip {
    justify-content: center;
  }

  .mascot-hero {
    max-width: 280px;
  }

  section {
    padding: 70px 20px;
  }

  .problem-grid,
  .service-cards,
  .steps,
  .calc-layout,
  .moments-header,
  .moments-grid,
  .why-grid,
  .elig-grid {
    grid-template-columns: 1fr;
  }

  .moments-header {
    gap: 22px;
    text-align: center;
    margin-bottom: 28px;
  }

  .moments-hero-mascot {
    justify-self: center;
    width: min(220px, 70vw);
    order: -1;
  }

  .moment-card {
    min-height: 280px;
  }

  .moment-card p {
    max-width: none;
  }

  .moment-card img,
  .moment-card:nth-child(2) img,
  .moment-card:nth-child(3) img {
    width: min(58%, 220px);
    height: 150px;
  }

  .elig-card:has(.elig-card-mascot) {
    padding-right: 36px;
    padding-bottom: 150px;
  }

  .elig-card-mascot {
    right: 8px;
    bottom: -18px;
    width: 170px;
  }

  .features-grid {
    grid-template-columns: 1fr 1fr;
  }

  .steps-line {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }

  .why-punch {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .nav-logo img {
    width: 112px;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .moment-card {
    min-height: 250px;
    padding: 24px 20px 0;
  }

  .moment-card h3 {
    font-size: 18px;
  }

  .moment-card img,
  .moment-card:nth-child(2) img,
  .moment-card:nth-child(3) img {
    width: min(68%, 190px);
    height: 132px;
  }

  .elig-card:has(.elig-card-mascot) {
    padding-bottom: 130px;
  }

  .elig-card-mascot {
    width: 145px;
    right: -4px;
  }

  .pay-now-title-row {
    gap: 12px;
  }

  .pay-now-title-row img {
    width: 96px;
    height: 96px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .summary-row {
    grid-template-columns: 1fr;
  }
}

/* SMOOTH CURSOR TRAIL */
.cursor-glow {
  position: fixed;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(48, 159, 72, 0.06), transparent 70%);
  pointer-events: none;
  z-index: 0;
  transform: translate(-50%, -50%);
  transition: left .4s ease, top .4s ease;
  display: none;
}

@media (hover: hover) {
  .cursor-glow {
    display: block;
  }
}

/* MARQUEE */
.marquee-section {
  overflow: hidden;
  padding: 20px 0;
  background: var(--bg-cream);
}

.marquee-track {
  display: flex;
  gap: 24px;
  animation: marqueeScroll 20s linear infinite;
  white-space: nowrap;
}

@keyframes marqueeScroll {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

.marquee-item {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: var(--green-light);
  text-transform: uppercase;
  letter-spacing: 3px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

.marquee-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--green-light);
}