/* ================================================================
   NORDAL MICRO CREDIT — COMPONENTS v1.0
   All reusable UI components
   ================================================================ */

/* ================================================================
   1. BUTTONS
   ================================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0 var(--space-6);
  height: 52px;
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  line-height: 1;
  letter-spacing: 0.01em;
  border-radius: var(--radius-btn);
  border: 2px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  text-decoration: none;
  position: relative;
  overflow: hidden;
  transition:
    background-color var(--dur-fast)     var(--ease-out),
    border-color     var(--dur-fast)     var(--ease-out),
    box-shadow       var(--dur-standard) var(--ease-out),
    transform        var(--dur-fast)     var(--ease-out),
    color            var(--dur-fast)     var(--ease-out);
  -webkit-tap-highlight-color: transparent;
}

/* Minimum 44px touch target on mobile */
@media (max-width: 768px) {
  .btn { min-height: 48px; }
}

.btn:active { transform: scale(0.96); }
.btn:focus-visible { outline: 2px solid var(--emerald-400); outline-offset: 3px; }
.btn:disabled { opacity: 0.55; cursor: not-allowed; pointer-events: none; }

.btn svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform var(--dur-fast) var(--ease-spring);
}

/* ── Primary (Emerald) ── */
.btn--primary {
  background: var(--emerald-600);
  color: var(--white);
  border-color: var(--emerald-600);
  box-shadow: var(--shadow-btn-primary);
}
.btn--primary:hover {
  background: var(--emerald-700);
  border-color: var(--emerald-700);
  box-shadow: var(--shadow-btn-primary-hover);
  transform: translateY(-1px);
}
.btn--primary:hover svg { transform: translateX(2px); }
.btn--primary:active { transform: scale(0.96) translateY(0); }

/* ── Navy / Dark ── */
.btn--navy {
  background: var(--navy-800);
  color: var(--white);
  border-color: var(--navy-800);
  box-shadow: var(--shadow-btn-navy);
}
.btn--navy:hover {
  background: var(--navy-700);
  border-color: var(--navy-700);
  box-shadow: var(--shadow-btn-navy-hover);
  transform: translateY(-1px);
}

/* ── Gold / Accent ── */
.btn--gold {
  background: var(--gold-600);
  color: var(--navy-900);
  border-color: var(--gold-600);
  box-shadow: var(--shadow-btn-gold);
  font-weight: var(--weight-bold);
}
.btn--gold:hover {
  background: var(--gold-700);
  border-color: var(--gold-700);
  box-shadow: var(--shadow-btn-gold-hover);
  transform: translateY(-1px);
}

/* ── Outline Primary ── */
.btn--outline {
  background: transparent;
  color: var(--emerald-600);
  border-color: var(--emerald-600);
}
.btn--outline:hover {
  background: var(--emerald-50);
  box-shadow: 0 2px 12px rgba(155,23,40,0.12);
}

/* ── Outline Navy ── */
.btn--outline-navy {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--navy-300);
}
.btn--outline-navy:hover {
  background: var(--navy-50);
  border-color: var(--navy-800);
}

/* ── Outline White (on dark) ── */
.btn--outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.75);
}

/* ── Ghost ── */
.btn--ghost {
  background: transparent;
  color: var(--emerald-600);
  border-color: transparent;
}
.btn--ghost:hover {
  background: var(--emerald-50);
}

/* ── Sizes ── */
.btn--xs {
  height: 36px;
  padding: 0 var(--space-4);
  font-size: var(--text-sm);
}
.btn--xs svg { width: 16px; height: 16px; }

.btn--sm {
  height: 44px;
  padding: 0 var(--space-5);
  font-size: var(--text-sm);
}

.btn--lg {
  height: 60px;
  padding: 0 var(--space-8);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
}
.btn--lg svg { width: 22px; height: 22px; }

.btn--xl {
  height: 68px;
  padding: 0 var(--space-10);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
}

/* ── Full width ── */
.btn--block { width: 100%; }

/* ── Icon-only ── */
.btn--icon {
  width: 48px;
  height: 48px;
  padding: 0;
  border-radius: var(--radius-lg);
}
.btn--icon-sm { width: 40px; height: 40px; }
.btn--icon-round { border-radius: var(--radius-full); }

/* ── With arrow animation ── */
.btn--arrow svg {
  transition: transform var(--dur-standard) var(--ease-spring);
}
.btn--arrow:hover svg { transform: translateX(4px); }

/* ── Sticky Mobile CTA ── */
.sticky-cta {
  position: fixed;
  bottom: calc(var(--bottom-nav-height) + var(--space-3));
  left: var(--space-4);
  right: var(--space-4);
  z-index: var(--z-sticky);
  display: none;
}
@media (max-width: 767px) {
  .sticky-cta { display: flex; }
}
.sticky-cta .btn {
  width: 100%;
  height: 56px;
  font-size: var(--text-lg);
  box-shadow: var(--shadow-float);
}

/* ================================================================
   2. BADGE / CHIP / TAG
   ================================================================ */
.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1-5);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-badge);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wide);
  line-height: 1;
}

.badge--success   { background: var(--emerald-50);  color: var(--emerald-700); }
.badge--warning   { background: var(--gold-100);    color: var(--gold-800); }
.badge--info      { background: var(--navy-50);     color: var(--navy-700); }
.badge--error     { background: #FEF2F2;            color: #B91C1C; }
.badge--neutral   { background: var(--gray-100);    color: var(--gray-700); }

/* ================================================================
   3. NAVBAR
   ================================================================ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: var(--z-nav);
  height: var(--navbar-height);
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid transparent;
  transition:
    background   var(--dur-standard) var(--ease-out),
    border-color var(--dur-standard) var(--ease-out),
    box-shadow   var(--dur-standard) var(--ease-out);
}

.navbar.is-scrolled {
  background: rgba(255,255,255,0.97);
  border-bottom-color: var(--color-border);
  box-shadow: var(--shadow-nav);
}

.navbar.navbar--transparent {
  background: transparent;
  border-bottom-color: transparent;
}

.navbar__inner {
  width: 100%;
  max-width: var(--container-2xl);
  margin-inline: auto;
  padding-inline: var(--container-pad-xs);
  display: flex;
  align-items: center;
  gap: var(--space-6);
}
@media (min-width: 768px)  { .navbar__inner { padding-inline: var(--container-pad-md); } }
@media (min-width: 1024px) { .navbar__inner { padding-inline: var(--container-pad-lg); } }

/* ── Logo ── */
.navbar__logo {
  display: flex;
  align-items: center;
  gap: var(--space-2-5);
  text-decoration: none;
  flex-shrink: 0;
  cursor: pointer;
}

.navbar__logo-mark {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--emerald-600), var(--emerald-700));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-xl);
  line-height: 1;
}

.navbar__logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.navbar__logo-name {
  font-family: var(--font-heading);
  font-weight: var(--weight-bold);
  font-size: var(--text-base);
  color: var(--navy-800);
  letter-spacing: var(--tracking-tight);
}

.navbar__logo-sub {
  font-size: var(--text-xs);
  color: var(--emerald-600);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
}

/* ── Desktop Menu ── */
.navbar__menu {
  display: none;
  align-items: center;
  gap: var(--space-1);
  flex: 1;
  justify-content: center;
}

@media (min-width: 1024px) {
  .navbar__menu { display: flex; }
}

.navbar__link {
  position: relative;
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: color var(--dur-fast) var(--ease-out),
              background var(--dur-fast) var(--ease-out);
  white-space: nowrap;
}

.navbar__link:hover {
  color: var(--navy-800);
  background: var(--gray-50);
}

.navbar__link.active,
.navbar__link[aria-current="page"] {
  color: var(--emerald-700);
  background: var(--emerald-50);
  font-weight: var(--weight-semibold);
}

.navbar__link::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: calc(100% - var(--space-6));
  height: 2px;
  background: var(--emerald-600);
  border-radius: var(--radius-full);
  transition: transform var(--dur-standard) var(--ease-spring);
}

.navbar__link.active::after,
.navbar__link[aria-current="page"]::after,
.navbar__link:hover::after {
  transform: translateX(-50%) scaleX(1);
}

/* ── Desktop Actions (right side) ── */
.navbar__actions {
  display: none;
  align-items: center;
  gap: var(--space-2);
  margin-left: auto;
  flex-shrink: 0;
}

@media (min-width: 1024px) {
  .navbar__actions { display: flex; }
}

.navbar__staff-login {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1-5);
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: color var(--dur-fast) var(--ease-out),
              background var(--dur-fast) var(--ease-out);
  cursor: pointer;
  border: 1px solid var(--color-border);
}

.navbar__staff-login svg { width: 16px; height: 16px; }

.navbar__staff-login:hover {
  color: var(--navy-800);
  background: var(--gray-50);
  border-color: var(--gray-300);
}

.navbar__staff-register {
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text-muted);
  text-decoration: none;
  padding: var(--space-2) var(--space-2);
  border-radius: var(--radius-md);
  transition: color var(--dur-fast) var(--ease-out);
  white-space: nowrap;
}
.navbar__staff-register:hover { color: var(--navy-800); }

/* ── Hamburger (mobile only) ── */
.navbar__hamburger {
  display: flex;
  margin-left: auto;
}

@media (min-width: 1024px) {
  .navbar__hamburger { display: none; }
}

/* ── Mobile Drawer ── */
.navbar__drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(320px, 85vw);
  background: var(--white);
  z-index: var(--z-modal);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform var(--dur-medium) var(--ease-expo);
  box-shadow: var(--shadow-xl);
}

.navbar__drawer.is-open {
  transform: translateX(0);
}

.navbar__drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.navbar__drawer-close {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  color: var(--color-text-secondary);
  transition: background var(--dur-fast) var(--ease-out);
  cursor: pointer;
}
.navbar__drawer-close:hover { background: var(--gray-100); }

.navbar__drawer-menu {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  flex: 1;
}

.navbar__drawer-link {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3-5) var(--space-4);
  border-radius: var(--radius-lg);
  font-size: var(--text-base);
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  text-decoration: none;
  min-height: 52px;
  transition: background var(--dur-fast) var(--ease-out),
              color var(--dur-fast) var(--ease-out);
}
.navbar__drawer-link:hover, .navbar__drawer-link.active {
  background: var(--emerald-50);
  color: var(--emerald-700);
}
.navbar__drawer-link svg { width: 20px; height: 20px; flex-shrink: 0; }

.navbar__drawer-divider {
  height: 1px;
  background: var(--color-border);
  margin-block: var(--space-2);
}

.navbar__drawer-staff {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  padding: var(--space-4);
  background: var(--gray-50);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
}

.navbar__drawer-staff-title {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--color-text-muted);
}

/* ── Overlay ── */
.navbar__overlay {
  position: fixed;
  inset: 0;
  background: rgba(7,21,41,0.55);
  backdrop-filter: blur(2px);
  z-index: calc(var(--z-modal) - 1);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--dur-standard) var(--ease-out),
              visibility 0s var(--dur-standard);
}
.navbar__overlay.is-open {
  opacity: 1;
  visibility: visible;
  transition: opacity var(--dur-standard) var(--ease-out),
              visibility 0s 0s;
}

/* ── Padding compensator for fixed navbar ── */
.navbar-offset {
  padding-top: var(--navbar-height);
}

/* ================================================================
   4. BOTTOM NAVIGATION (Mobile)
   ================================================================ */
.bottom-nav {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: var(--z-nav);
  height: var(--bottom-nav-height);
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  padding-bottom: env(safe-area-inset-bottom, 0);
}

@media (min-width: 1024px) {
  .bottom-nav { display: none; }
}

.bottom-nav__items {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  width: 100%;
  height: 100%;
}

.bottom-nav__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  text-decoration: none;
  color: var(--gray-400);
  cursor: pointer;
  border: none;
  background: none;
  font-family: var(--font-body);
  min-height: 44px;
  padding: var(--space-1) 0;
  transition: color var(--dur-fast) var(--ease-out);
  position: relative;
  -webkit-tap-highlight-color: transparent;
}

.bottom-nav__item:active { transform: scale(0.92); }

.bottom-nav__item.active {
  color: var(--emerald-600);
}

.bottom-nav__item.active::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 32px;
  height: 2px;
  background: var(--emerald-600);
  border-radius: 0 0 var(--radius-full) var(--radius-full);
}

.bottom-nav__icon {
  width: 24px;
  height: 24px;
  transition: transform var(--dur-fast) var(--ease-spring);
}

.bottom-nav__item.active .bottom-nav__icon { transform: scale(1.1); }

.bottom-nav__label {
  font-size: 10px;
  font-weight: var(--weight-semibold);
  letter-spacing: 0.02em;
  line-height: 1;
}

/* Apply tab special style */
.bottom-nav__item--apply {
  color: var(--white);
}

.bottom-nav__item--apply .bottom-nav__icon-wrap {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--emerald-600), var(--emerald-700));
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-btn-primary);
  margin-bottom: 2px;
  transition: transform var(--dur-fast) var(--ease-spring),
              box-shadow var(--dur-standard) var(--ease-out);
}
.bottom-nav__item--apply:active .bottom-nav__icon-wrap {
  transform: scale(0.92);
}
.bottom-nav__item--apply .bottom-nav__icon { color: white; width: 22px; height: 22px; }
.bottom-nav__item--apply .bottom-nav__label { color: var(--emerald-700); }

/* ── Bottom nav offset for page content ── */
.bottom-nav-offset {
  padding-bottom: var(--bottom-nav-height);
}

/* ================================================================
   5. CARDS
   ================================================================ */

/* ── Base Card ── */
.card {
  background: var(--white);
  border-radius: var(--radius-card);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition:
    box-shadow var(--dur-standard) var(--ease-out),
    transform  var(--dur-standard) var(--ease-spring),
    border-color var(--dur-standard) var(--ease-out);
}

.card--hoverable {
  cursor: pointer;
}
@media (hover: hover) {
  .card--hoverable:hover {
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-3px);
    border-color: var(--gray-200);
  }
}

.card__image {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
}

.card__body {
  padding: var(--space-6);
}

.card__label {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--emerald-600);
  margin-bottom: var(--space-2);
}

.card__title {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--navy-800);
  margin-bottom: var(--space-3);
  line-height: var(--leading-snug);
}

.card__text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-5);
}

.card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-4) var(--space-6);
  border-top: 1px solid var(--color-border-subtle);
  background: var(--gray-50);
}

/* ── Feature Card ── */
.feature-card {
  background: var(--white);
  border-radius: var(--radius-card);
  padding: var(--space-8) var(--space-6);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  transition:
    box-shadow var(--dur-standard) var(--ease-out),
    transform  var(--dur-standard) var(--ease-spring),
    border-color var(--dur-standard) var(--ease-out);
}

@media (hover: hover) {
  .feature-card:hover {
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-4px);
    border-color: var(--emerald-200);
  }
}

.feature-card__icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.feature-card__icon--emerald {
  background: var(--emerald-50);
  color: var(--emerald-600);
}
.feature-card__icon--navy {
  background: var(--navy-50);
  color: var(--navy-700);
}
.feature-card__icon--gold {
  background: var(--gold-100);
  color: var(--gold-700);
}

.feature-card__icon svg { width: 26px; height: 26px; }

.feature-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--navy-800);
}

.feature-card__text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
  flex: 1;
}

/* ================================================================
   6. STAT COUNTER CARDS
   ================================================================ */
.stat-card {
  background: var(--white);
  border-radius: var(--radius-card);
  padding: var(--space-6) var(--space-6);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  text-align: center;
}

.stat-card--dark {
  background: var(--navy-800);
  border-color: var(--navy-700);
}

.stat-card__value {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: var(--weight-extrabold);
  color: var(--navy-800);
  line-height: 1;
  letter-spacing: var(--tracking-tighter);
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: var(--space-1);
}

.stat-card--dark .stat-card__value { color: var(--white); }

.stat-card__value-number {
  display: inline-block;
}

.stat-card__value-suffix {
  font-size: 0.55em;
  color: var(--emerald-600);
  font-weight: var(--weight-bold);
}

.stat-card--dark .stat-card__value-suffix { color: var(--emerald-400); }

.stat-card__label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  font-weight: var(--weight-medium);
  margin-top: var(--space-2);
}

.stat-card--dark .stat-card__label { color: var(--color-text-on-dark-muted); }

/* Inline stats (hero floating) */
.stat-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.20);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-glass);
}

.stat-badge__icon {
  width: 36px;
  height: 36px;
  background: rgba(155,23,40,0.20);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald-400);
  flex-shrink: 0;
}
.stat-badge__icon svg { width: 20px; height: 20px; }

.stat-badge__value {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-extrabold);
  color: var(--white);
  line-height: 1;
}

.stat-badge__label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
  line-height: 1;
  margin-top: 2px;
}

/* ================================================================
   7. LOAN PRODUCT CARDS
   ================================================================ */
.loan-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition:
    box-shadow var(--dur-standard) var(--ease-out),
    transform  var(--dur-standard) var(--ease-spring),
    border-color var(--dur-standard) var(--ease-out);
  position: relative;
}

@media (hover: hover) {
  .loan-card:hover {
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-5px);
    border-color: var(--emerald-200);
  }
}

.loan-card--featured {
  border-color: var(--emerald-200);
  box-shadow: 0 4px 24px rgba(155,23,40,0.12), var(--shadow-card);
}

/* Badge */
.loan-card__badge {
  position: absolute;
  top: var(--space-4);
  right: var(--space-4);
  background: var(--gold-600);
  color: var(--navy-900);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  letter-spacing: var(--tracking-wide);
}

/* Header */
.loan-card__header {
  padding: var(--space-6) var(--space-6) var(--space-4);
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  border-bottom: 1px solid var(--color-border-subtle);
}

.loan-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  background: var(--emerald-50);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--emerald-600);
}
.loan-card__icon svg { width: 26px; height: 26px; }

.loan-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--navy-800);
  margin-bottom: var(--space-1-5);
}

.loan-card__subtitle {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* Body */
.loan-card__body {
  padding: var(--space-5) var(--space-6);
  flex: 1;
}

.loan-card__description {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-5);
}

/* Details list */
.loan-card__details {
  display: flex;
  flex-direction: column;
  gap: var(--space-2-5);
}

.loan-card__detail {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: var(--text-sm);
}

.loan-card__detail-label { color: var(--color-text-muted); }
.loan-card__detail-value {
  font-weight: var(--weight-semibold);
  color: var(--navy-800);
}

/* Eligibility */
.loan-card__eligibility {
  margin-top: var(--space-4);
  padding: var(--space-3) var(--space-4);
  background: var(--emerald-50);
  border-radius: var(--radius-md);
  font-size: var(--text-xs);
  color: var(--emerald-700);
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
}
.loan-card__eligibility svg { width: 14px; height: 14px; flex-shrink: 0; margin-top: 1px; }

/* Footer */
.loan-card__footer {
  padding: var(--space-4) var(--space-6) var(--space-6);
}

.loan-card__footer .btn { width: 100%; }

/* ── Coming Soon overlay ── */
.loan-card--soon { overflow: hidden; }

.loan-card__soon {
  position: absolute;
  inset: 0;
  z-index: 6;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  text-align: center;
  padding: var(--space-6);
  background: linear-gradient(160deg, rgba(17,33,74,0.78) 0%, rgba(10,19,48,0.82) 100%);
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
  border-radius: inherit;
  cursor: not-allowed;
}

.loan-card__soon-clock {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-full);
  background: rgba(217,164,65,0.16);
  border: 2px solid var(--gold-500);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-500);
  animation: pulseSlow 2.4s var(--ease-in-out) infinite;
}
.loan-card__soon-clock svg { width: 34px; height: 34px; }

.loan-card__soon-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-5);
  background: var(--gold-600);
  color: var(--navy-900);
  border-radius: var(--radius-full);
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-sm);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  box-shadow: var(--shadow-lg);
}

.loan-card__soon-text {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.78);
  line-height: var(--leading-relaxed);
  max-width: 240px;
}

/* dim the underlying content + disable hover lift for soon cards */
.loan-card--soon:hover { transform: none !important; box-shadow: var(--shadow-card) !important; }

/* ================================================================
   8. TESTIMONIAL CARDS
   ================================================================ */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: var(--space-7) var(--space-6);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
  height: 100%;
}

.testimonial-card--dark {
  background: var(--navy-800);
  border-color: var(--navy-700);
}

/* Quote mark */
.testimonial-card__quote-icon {
  width: 32px;
  height: 32px;
  background: var(--emerald-50);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald-600);
  flex-shrink: 0;
}
.testimonial-card--dark .testimonial-card__quote-icon {
  background: rgba(155,23,40,0.15);
  color: var(--emerald-400);
}
.testimonial-card__quote-icon svg { width: 18px; height: 18px; }

/* Stars */
.testimonial-card__stars {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  margin-bottom: var(--space-1);
}

.testimonial-card__star {
  width: 16px;
  height: 16px;
  color: var(--gold-600);
}

/* Quote text */
.testimonial-card__text {
  font-size: var(--text-base);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
  font-style: italic;
  flex: 1;
}

.testimonial-card--dark .testimonial-card__text {
  color: rgba(255,255,255,0.75);
}

/* Author */
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-top: auto;
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-border-subtle);
}

.testimonial-card--dark .testimonial-card__author {
  border-top-color: rgba(255,255,255,0.10);
}

.testimonial-card__avatar {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  object-fit: cover;
  border: 2px solid var(--emerald-100);
  flex-shrink: 0;
  background: var(--gray-200);
}

.testimonial-card__avatar--placeholder {
  background: linear-gradient(135deg, var(--emerald-200), var(--emerald-300));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: var(--weight-bold);
  font-size: var(--text-lg);
  color: var(--emerald-800);
}

.testimonial-card__name {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  color: var(--navy-800);
  line-height: 1.2;
}
.testimonial-card--dark .testimonial-card__name { color: var(--white); }

.testimonial-card__role {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: 2px;
}
.testimonial-card--dark .testimonial-card__role { color: rgba(255,255,255,0.5); }

/* Carousel wrapper */
.testimonial-carousel {
  position: relative;
  overflow: hidden;
}

.testimonial-carousel__track {
  display: flex;
  gap: var(--space-5);
  transition: transform var(--dur-medium) var(--ease-expo);
  will-change: transform;
}

.testimonial-carousel__slide {
  flex: 0 0 min(100%, 340px);
}

.testimonial-carousel__dots {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  margin-top: var(--space-6);
}

.testimonial-carousel__dot {
  width: 8px;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--gray-300);
  border: none;
  cursor: pointer;
  transition: width var(--dur-standard) var(--ease-spring),
              background var(--dur-fast) var(--ease-out);
}

.testimonial-carousel__dot.active {
  width: 24px;
  background: var(--emerald-600);
}

/* ================================================================
   9. FAQ ACCORDION
   ================================================================ */
.faq {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  max-width: 768px;
  margin-inline: auto;
}

.faq__item {
  background: var(--white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-standard) var(--ease-out);
}

.faq__item.is-open {
  border-color: var(--emerald-200);
  box-shadow: 0 2px 16px rgba(155,23,40,0.08);
}

.faq__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  color: var(--navy-800);
  text-align: left;
  cursor: pointer;
  border: none;
  background: none;
  min-height: 64px;
  transition: background var(--dur-fast) var(--ease-out);
  -webkit-tap-highlight-color: transparent;
}

.faq__trigger:hover { background: var(--gray-50); }
.faq__item.is-open .faq__trigger { background: var(--emerald-50); color: var(--emerald-800); }

.faq__chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--color-text-muted);
  transition: transform var(--dur-standard) var(--ease-spring),
              color var(--dur-fast) var(--ease-out);
}

.faq__item.is-open .faq__chevron {
  transform: rotate(180deg);
  color: var(--emerald-600);
}

.faq__content {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--dur-medium) var(--ease-expo);
}

.faq__item.is-open .faq__content { max-height: 600px; }

.faq__answer {
  padding: 0 var(--space-6) var(--space-6);
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-loose);
}

.faq__answer a {
  color: var(--emerald-600);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ================================================================
   10. FOOTER
   ================================================================ */
.footer {
  background: var(--navy-900);
  color: var(--white);
  padding-top: var(--space-16);
  padding-bottom: var(--space-8);
}

.footer__top {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  padding-bottom: var(--space-12);
  border-bottom: 1px solid rgba(255,255,255,0.10);
}

@media (min-width: 640px) {
  .footer__top { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .footer__top { grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: var(--space-8); }
}

/* Brand column */
.footer__brand-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

.footer__brand-mark {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--emerald-600), var(--emerald-700));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-xl);
  flex-shrink: 0;
}

.footer__brand-name {
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--white);
}
.footer__brand-tagline {
  font-size: var(--text-xs);
  color: var(--emerald-400);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: var(--tracking-wider);
}

.footer__brand-desc {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.60);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-6);
  max-width: 300px;
}

/* Social links */
.footer__social {
  display: flex;
  gap: var(--space-3);
  flex-wrap: wrap;
}

.footer__social-link {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.65);
  transition: background var(--dur-fast) var(--ease-out),
              color var(--dur-fast) var(--ease-out),
              border-color var(--dur-fast) var(--ease-out);
  text-decoration: none;
}
.footer__social-link:hover {
  background: var(--emerald-600);
  border-color: var(--emerald-600);
  color: var(--white);
}
.footer__social-link svg { width: 18px; height: 18px; }

/* Column heading */
.footer__col-title {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--white);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  margin-bottom: var(--space-5);
}

/* Footer links */
.footer__links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer__link {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.60);
  text-decoration: none;
  transition: color var(--dur-fast) var(--ease-out);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}
.footer__link:hover { color: var(--emerald-400); }

/* Contact info */
.footer__contact-item {
  display: flex;
  gap: var(--space-3);
  margin-bottom: var(--space-3);
}
.footer__contact-icon {
  width: 18px;
  height: 18px;
  color: var(--emerald-500);
  flex-shrink: 0;
  margin-top: 1px;
}
.footer__contact-text {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  line-height: var(--leading-relaxed);
}

/* Payment partner badge */
.footer__payment-partner {
  margin-top: var(--space-6);
  padding: var(--space-4) var(--space-5);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-lg);
  display: inline-flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer__payment-label {
  font-size: var(--text-2xs);
  text-transform: uppercase;
  letter-spacing: var(--tracking-widest);
  color: rgba(255,255,255,0.40);
  font-weight: var(--weight-semibold);
}

.footer__moolre-logo {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--white);
}
.footer__moolre-logo-mark {
  width: 28px;
  height: 28px;
  background: linear-gradient(135deg, #0EA5E9, #2563EB);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-sm);
  color: white;
}
.footer__moolre-name {
  font-family: var(--font-heading);
  font-weight: var(--weight-bold);
  font-size: var(--text-base);
}

/* Bottom bar */
.footer__bottom {
  padding-top: var(--space-8);
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
  justify-content: space-between;
}

.footer__copyright {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.40);
}

.footer__legal {
  display: flex;
  gap: var(--space-5);
  flex-wrap: wrap;
}

.footer__legal-link {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color var(--dur-fast) var(--ease-out);
}
.footer__legal-link:hover { color: rgba(255,255,255,0.80); }

/* ================================================================
   11. TRUST SECTION CARDS
   ================================================================ */
.trust-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: var(--space-8) var(--space-5);
  background: var(--white);
  border-radius: var(--radius-2xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  gap: var(--space-4);
  transition:
    box-shadow var(--dur-standard) var(--ease-out),
    transform  var(--dur-standard) var(--ease-spring);
}

@media (hover: hover) {
  .trust-card:hover {
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-3px);
  }
}

.trust-card__icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-xl);
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-card__icon--emerald {
  background: var(--emerald-50);
  color: var(--emerald-600);
}
.trust-card__icon--navy {
  background: var(--navy-50);
  color: var(--navy-700);
}
.trust-card__icon--gold {
  background: var(--gold-100);
  color: var(--gold-700);
}

.trust-card__icon svg { width: 32px; height: 32px; }

.trust-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--navy-800);
}

.trust-card__text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
}

/* ================================================================
   12. HOW IT WORKS STEPS
   ================================================================ */
.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  position: relative;
}

@media (min-width: 768px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .steps {
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
  }

  /* Connecting line */
  .steps::before {
    content: '';
    position: absolute;
    top: 40px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: linear-gradient(90deg,
      var(--emerald-200) 0%,
      var(--emerald-300) 33%,
      var(--emerald-300) 66%,
      var(--emerald-200) 100%
    );
    z-index: 0;
  }
}

.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--space-4);
  position: relative;
  padding: var(--space-4) var(--space-4);
}

.step__number {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-full);
  border: 2px solid var(--emerald-200);
  background: var(--white);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-2xl);
  color: var(--emerald-600);
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}

.step__number--active {
  background: linear-gradient(135deg, var(--emerald-600), var(--emerald-700));
  color: var(--white);
  border-color: var(--emerald-600);
  box-shadow: var(--shadow-btn-primary);
}

.step__title {
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--navy-800);
}

.step__text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-relaxed);
  max-width: 200px;
}

/* ================================================================
   13. PAYMENT PARTNER SECTION
   ================================================================ */
.payment-partner {
  text-align: center;
  padding: var(--space-10) 0;
}

.payment-partner__label {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: var(--space-6);
}

.payment-partner__logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
  flex-wrap: wrap;
}

.payment-partner__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-8);
  background: var(--white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  opacity: 0.85;
  transition: opacity var(--dur-fast) var(--ease-out),
              transform var(--dur-standard) var(--ease-spring),
              box-shadow var(--dur-standard) var(--ease-out);
  text-decoration: none;
}

@media (hover: hover) {
  .payment-partner__logo:hover {
    opacity: 1;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
  }
}

.payment-partner__logo-mark {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, #0EA5E9, #2563EB);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: var(--weight-extrabold);
  font-size: var(--text-lg);
  color: white;
}

.payment-partner__logo-text {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: var(--weight-extrabold);
  color: var(--navy-800);
}

.payment-partner__desc {
  margin-top: var(--space-5);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* ================================================================
   14. IMPACT COUNTER ROW
   ================================================================ */
.impact-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .impact-grid { grid-template-columns: repeat(4, 1fr); gap: var(--space-6); }
}

.impact-stat {
  text-align: center;
  padding: var(--space-6) var(--space-4);
}

.impact-stat__value {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 6vw, 3.25rem);
  font-weight: var(--weight-extrabold);
  color: var(--white);
  line-height: 1;
  letter-spacing: var(--tracking-tighter);
  margin-bottom: var(--space-2);
}

.impact-stat__value-number { display: inline-block; }
.impact-stat__value-suffix { color: var(--gold-500); font-size: 0.65em; }
.impact-stat__value-prefix { color: var(--emerald-400); font-size: 0.65em; }

.impact-stat__label {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  font-weight: var(--weight-medium);
}

/* ================================================================
   15. FORM ELEMENTS (Apply form, Contact)
   ================================================================ */
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.form-label {
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--navy-800);
}

.form-input {
  height: 52px;
  padding: 0 var(--space-4);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-input);
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--navy-800);
  background: var(--white);
  transition: border-color var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-fast) var(--ease-out);
  outline: none;
  width: 100%;
}

.form-input::placeholder { color: var(--gray-400); }
.form-input:focus {
  border-color: var(--emerald-600);
  box-shadow: 0 0 0 3px rgba(155,23,40,0.12);
}

.form-textarea {
  padding: var(--space-3) var(--space-4);
  min-height: 120px;
  resize: vertical;
  border-radius: var(--radius-input);
  border: 2px solid var(--color-border);
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--navy-800);
  transition: border-color var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-fast) var(--ease-out);
  outline: none;
  width: 100%;
}
.form-textarea:focus {
  border-color: var(--emerald-600);
  box-shadow: 0 0 0 3px rgba(155,23,40,0.12);
}

.form-select {
  height: 52px;
  padding: 0 var(--space-4);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-input);
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--navy-800);
  background: var(--white);
  cursor: pointer;
  outline: none;
  width: 100%;
  transition: border-color var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-fast) var(--ease-out);
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-4) center;
  padding-right: var(--space-10);
}
.form-select:focus {
  border-color: var(--emerald-600);
  box-shadow: 0 0 0 3px rgba(155,23,40,0.12);
}

.form-error {
  font-size: var(--text-xs);
  color: var(--color-error);
  font-weight: var(--weight-medium);
}

.form-hint {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* ================================================================
   16. TOAST / NOTIFICATION
   ================================================================ */
.toast-container {
  position: fixed;
  bottom: calc(var(--bottom-nav-height) + var(--space-4));
  left: var(--space-4);
  right: var(--space-4);
  z-index: var(--z-toast);
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  pointer-events: none;
}

@media (min-width: 768px) {
  .toast-container {
    bottom: var(--space-6);
    left: auto;
    right: var(--space-6);
    width: 380px;
  }
}

.toast {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-5);
  background: var(--navy-900);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  color: var(--white);
  pointer-events: all;
  animation: fadeUp var(--dur-standard) var(--ease-spring) both;
  border-left: 3px solid var(--emerald-500);
}

.toast--success { border-left-color: var(--emerald-500); }
.toast--error   { border-left-color: #EF4444; }
.toast--warning { border-left-color: var(--gold-500); }

/* ================================================================
   17. SCROLL PROGRESS
   ================================================================ */
.scroll-progress-bar {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--emerald-600) 0%, var(--gold-600) 100%);
  z-index: var(--z-top);
  transform-origin: left;
  transform: scaleX(0);
  transition: transform 50ms linear;
}