/* ==========================================================================
   YEHULUM SACCOS - Official Stylesheet
   Color Scheme: #145214 (Dark Green), #2E8B22 (Medium Green)
   Design: Clean, Corporate, Institutional, Responsive, Bilingual
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Root Variables & Reset
   -------------------------------------------------------------------------- */
:root {
  --color-primary-dark: #145214;
  --color-primary-medium: #2E8B22;
  --color-primary-light: #48A83C;
  --color-accent-soft: #EAF4E9;
  --color-accent-border: #D1E4D0;
  
  --color-text-dark: #121F13;
  --color-text-main: #2C3B2E;
  --color-text-muted: #566B58;
  --color-text-light: #F4FAF4;
  
  --color-bg-light: #F8FAF8;
  --color-bg-card: #FFFFFF;
  --color-bg-alt: #EEF4EE;
  
  --font-en: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-am: 'Noto Sans Ethiopic', 'Abyssinica SIL', 'Nyala', sans-serif;
  
  --radius-sm: 4px;
  --radius-md: 6px;
  --radius-lg: 10px;
  
  --shadow-sm: 0 1px 3px rgba(18, 31, 19, 0.08);
  --shadow-md: 0 4px 12px rgba(18, 31, 19, 0.08);
  --shadow-lg: 0 10px 25px rgba(18, 31, 19, 0.12);
  
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s ease;
  
  --container-max: 1240px;
}

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

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

body {
  font-family: var(--font-en);
  color: var(--color-text-main);
  background-color: var(--color-bg-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Amharic Font Mode Support */
body[lang="am"], [lang="am"] {
  font-family: var(--font-am);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

button, input, select, textarea {
  font: inherit;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* --------------------------------------------------------------------------
   2. Top Bar & Header / Navbar
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--color-primary-dark);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.875rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.top-bar-info {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.top-bar-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.top-bar-item svg {
  width: 15px;
  height: 15px;
  fill: currentColor;
  opacity: 0.85;
}

.top-bar-socials {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.top-bar-socials a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  transition: var(--transition-fast);
}

.top-bar-socials a:hover {
  background: var(--color-primary-medium);
  color: #fff;
}

.top-bar-socials svg {
  width: 14px;
  height: 14px;
  fill: currentColor;
}

/* Sticky Main Navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #ffffff;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.06);
  transition: var(--transition-normal);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.brand-logo-container {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.brand-logo-img {
  height: 54px;
  width: auto;
  border-radius: var(--radius-sm);
  object-fit: contain;
}

.brand-text-block {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.brand-subtitle {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.nav-link {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--color-text-main);
  padding: 0.5rem 0;
  position: relative;
  white-space: nowrap;
  transition: var(--transition-fast);
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-primary-medium);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-primary-medium);
  transition: var(--transition-fast);
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

/* Language Switcher Dropdown */
.lang-switcher-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.lang-select {
  appearance: none;
  -webkit-appearance: none;
  background-color: var(--color-accent-soft);
  color: var(--color-primary-dark);
  font-weight: 600;
  font-size: 0.875rem;
  padding: 0.5rem 2.2rem 0.5rem 0.85rem;
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  outline: none;
  transition: var(--transition-fast);
}

.lang-select:hover,
.lang-select:focus {
  border-color: var(--color-primary-medium);
  background-color: #E2EFE1;
}

.lang-icon-arrow {
  position: absolute;
  right: 0.75rem;
  pointer-events: none;
  width: 12px;
  height: 12px;
  fill: var(--color-primary-dark);
}

/* Mobile Toggle Button */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--color-primary-dark);
}

.nav-toggle svg {
  width: 26px;
  height: 26px;
  fill: currentColor;
}

/* --------------------------------------------------------------------------
   3. Hero Section (Strict Left-to-Right Green Gradient Overlay)
   -------------------------------------------------------------------------- */
.hero-section {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  background-image: url('../images/hero-img.jpg');
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
  color: #ffffff;
  overflow: hidden;
}

/* 
   Exact Overlay Requirement:
   Green fading overlay from left to right.
   Starts with solid green (#145214) on the left where text is,
   fades to transparent on the right to show the image clearly.
*/
.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    to right,
    rgba(20, 82, 20, 0.98) 0%,
    rgba(20, 82, 20, 0.92) 35%,
    rgba(20, 82, 20, 0.75) 55%,
    rgba(20, 82, 20, 0.3) 80%,
    rgba(20, 82, 20, 0.05) 100%
  );
  z-index: 1;
}

.hero-container {
  position: relative;
  z-index: 2;
  width: 100%;
  padding-top: 4rem;
  padding-bottom: 4rem;
}

.hero-content {
  max-width: 620px;
  text-align: left;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.3);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}

.hero-title {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 1.25rem;
  letter-spacing: -0.02em;
  color: #ffffff;
}

.hero-tagline {
  font-size: 1.25rem;
  font-weight: 400;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 2rem;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Standard Professional Solid Buttons (No Glow, No Bounce, No Pill Overflow) */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition-fast);
  border: 1px solid transparent;
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--color-primary-medium);
  color: #ffffff;
  border-color: var(--color-primary-medium);
}

.btn-primary:hover {
  background-color: #246f1b;
  border-color: #246f1b;
  color: #ffffff;
}

.btn-outline-light {
  background-color: transparent;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.6);
}

.btn-outline-light:hover {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: #ffffff;
  color: #ffffff;
}

/* Hero Members Stat */
.hero-stat {
  margin-top: 2.5rem;
  display: flex;
}

.hero-stat-item {
  display: flex;
  flex-direction: column;
  padding: 1rem 1.5rem;
  background-color: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.35);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--color-primary-medium);
}

.hero-stat-value {
  font-size: 2.25rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  letter-spacing: -0.01em;
}

.hero-stat-label {
  font-size: 0.9rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.92);
}

.btn-secondary {
  background-color: var(--color-primary-dark);
  color: #ffffff;
  border-color: var(--color-primary-dark);
}

.btn-secondary:hover {
  background-color: #0c330c;
  border-color: #0c330c;
}

.btn-outline-dark {
  background-color: transparent;
  color: var(--color-primary-dark);
  border-color: var(--color-primary-dark);
}

.btn-outline-dark:hover {
  background-color: var(--color-primary-dark);
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   4. Core Highlights Bar / Summary Strip
   -------------------------------------------------------------------------- */
.summary-strip {
  background-color: #ffffff;
  border-bottom: 1px solid var(--color-accent-border);
  box-shadow: var(--shadow-sm);
  position: relative;
  z-index: 10;
}

.strip-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  divide-x: 1px solid var(--color-accent-border);
}

.strip-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.5rem 1.25rem;
  background-color: #ffffff;
}

.strip-icon-box {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-sm);
  background-color: var(--color-accent-soft);
  color: var(--color-primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.strip-icon-box svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.strip-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-text-dark);
  margin-bottom: 0.15rem;
}

.strip-subtitle {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   5. General Section Styles
   -------------------------------------------------------------------------- */
.section {
  padding: 5rem 0;
}

.section-bg-alt {
  background-color: var(--color-bg-alt);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem auto;
}

.section-subtitle {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-primary-medium);
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
  display: block;
}

.section-title {
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  line-height: 1.3;
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}

.section-description {
  font-size: 1rem;
  color: var(--color-text-muted);
}

/* Divider Line */
.heading-divider {
  width: 60px;
  height: 3px;
  background-color: var(--color-primary-medium);
  margin: 0.85rem auto 0 auto;
  border-radius: 2px;
}

/* --------------------------------------------------------------------------
   6. Main Advantages Section
   -------------------------------------------------------------------------- */
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.75rem;
}

.advantage-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-md);
  padding: 2rem 1.75rem;
  transition: var(--transition-normal);
  display: flex;
  flex-direction: column;
  position: relative;
}

.advantage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary-medium);
}

.advantage-icon-wrapper {
  width: 52px;
  height: 52px;
  background-color: var(--color-primary-dark);
  color: #ffffff;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.advantage-icon-wrapper svg {
  width: 26px;
  height: 26px;
  fill: currentColor;
}

.advantage-title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 0.75rem;
}

.advantage-text {
  font-size: 0.925rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   7. Saving Types Section
   -------------------------------------------------------------------------- */
.savings-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.75rem;
}

.saving-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-md);
  padding: 2rem;
  display: flex;
  gap: 1.25rem;
  transition: var(--transition-normal);
}

.saving-card:hover {
  border-color: var(--color-primary-medium);
  box-shadow: var(--shadow-md);
}

.saving-badge {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background-color: var(--color-accent-soft);
  color: var(--color-primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.saving-content {
  flex-grow: 1;
}

.saving-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 0.5rem;
}

.saving-desc {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* --------------------------------------------------------------------------
   8. Loan Services Section
   -------------------------------------------------------------------------- */
.loan-banner {
  background-color: var(--color-primary-dark);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  margin-bottom: 3rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.loan-banner-info {
  max-width: 680px;
}

.loan-banner-tag {
  display: inline-block;
  background-color: rgba(255, 255, 255, 0.18);
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.75rem;
  text-transform: uppercase;
}

.loan-banner-title {
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
  line-height: 1.3;
}

.loan-banner-text {
  font-size: 0.975rem;
  color: rgba(255, 255, 255, 0.9);
}

.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.loan-card {
  background-color: #ffffff;
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  transition: var(--transition-normal);
}

.loan-card:hover {
  border-color: var(--color-primary-medium);
  box-shadow: var(--shadow-md);
}

.loan-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
}

.loan-icon {
  width: 44px;
  height: 44px;
  background-color: var(--color-accent-soft);
  color: var(--color-primary-medium);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.loan-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.loan-limit-badge {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  background-color: var(--color-accent-soft);
  padding: 0.25rem 0.6rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-accent-border);
}

.loan-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 0.5rem;
}

.loan-desc {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.loan-feature-list {
  border-top: 1px solid var(--color-accent-border);
  padding-top: 1rem;
  font-size: 0.825rem;
  color: var(--color-text-main);
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.loan-feature-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.loan-feature-item svg {
  width: 14px;
  height: 14px;
  fill: var(--color-primary-medium);
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   9. Member Beneficiaries / Promo Images Section
   -------------------------------------------------------------------------- */
.stories-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.75rem;
}

.promo-media {
  position: relative;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  background-color: #000;
}

.promo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.promo-media:hover .promo-img {
  transform: scale(1.04);
}

/* --------------------------------------------------------------------------
   9. Media & Gallery Section
   -------------------------------------------------------------------------- */
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.gallery-item {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  background-color: #000;
  aspect-ratio: 4 / 3;
}

.gallery-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.gallery-item:hover .gallery-img {
  transform: scale(1.04);
}

.gallery-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(18, 31, 19, 0.85) 0%, transparent 60%);
  display: flex;
  align-items: flex-end;
  padding: 1.25rem;
  opacity: 0.9;
  transition: opacity 0.3s ease;
}

.gallery-caption {
  color: #ffffff;
  font-size: 0.9rem;
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   10. Locations & Contact Section
   -------------------------------------------------------------------------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.branch-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-md);
  padding: 2rem;
  margin-bottom: 1.5rem;
}

.branch-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.branch-icon {
  width: 36px;
  height: 36px;
  background-color: var(--color-primary-dark);
  color: #fff;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}

.branch-icon svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.branch-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary-dark);
}

.branch-address {
  font-size: 0.925rem;
  color: var(--color-text-main);
  line-height: 1.6;
}

.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-top: 1.5rem;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact-info-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background-color: var(--color-accent-soft);
  color: var(--color-primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info-icon svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

.contact-info-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-text-muted);
}

.contact-info-value {
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-primary-dark);
}

/* Contact Form */
.contact-form-card {
  background-color: #ffffff;
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-md);
  padding: 2.25rem;
  box-shadow: var(--shadow-sm);
}

.form-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 1.5rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-main);
  margin-bottom: 0.4rem;
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.925rem;
  border: 1px solid var(--color-accent-border);
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-light);
  color: var(--color-text-dark);
  transition: var(--transition-fast);
  outline: none;
}

.form-control:focus {
  border-color: var(--color-primary-medium);
  background-color: #ffffff;
  box-shadow: 0 0 0 3px rgba(46, 139, 34, 0.12);
}

textarea.form-control {
  resize: vertical;
  min-height: 120px;
}

/* --------------------------------------------------------------------------
   11. Footer Section
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-primary-dark);
  color: rgba(255, 255, 255, 0.85);
  padding-top: 4rem;
  padding-bottom: 2rem;
  border-top: 3px solid var(--color-primary-medium);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-brand-title {
  color: #ffffff;
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
}

.footer-brand-desc {
  font-size: 0.875rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 1.5rem;
}

.footer-heading {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  position: relative;
  padding-bottom: 0.5rem;
}

.footer-heading::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 30px;
  height: 2px;
  background-color: var(--color-primary-medium);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.footer-links a {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.75);
  transition: var(--transition-fast);
}

.footer-links a:hover {
  color: #ffffff;
  padding-left: 4px;
}

.footer-contact-item {
  font-size: 0.875rem;
  margin-bottom: 0.75rem;
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  color: rgba(255, 255, 255, 0.8);
}

.footer-contact-item svg {
  width: 16px;
  height: 16px;
  fill: var(--color-primary-medium);
  margin-top: 3px;
  flex-shrink: 0;
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
}

/* --------------------------------------------------------------------------
   12. Subdued Scroll Animations (IntersectionObserver reveal, smooth & clean)
   -------------------------------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}

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

/* Delay helpers */
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

/* --------------------------------------------------------------------------
   13. Responsive Breakpoints
   -------------------------------------------------------------------------- */
@media (max-width: 992px) {
  .hero-title {
    font-size: 2.2rem;
  }
  
  .contact-grid {
    grid-template-columns: 1fr;
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
}

@media (max-width: 768px) {
  .top-bar-info {
    font-size: 0.8rem;
  }
  
  .navbar {
    height: 70px;
  }
  
  .nav-menu {
    position: fixed;
    top: 70px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 70px);
    background-color: #ffffff;
    flex-direction: column;
    align-items: flex-start;
    padding: 2rem;
    gap: 1.5rem;
    box-shadow: var(--shadow-lg);
    transition: left 0.3s ease;
    overflow-y: auto;
  }
  
  .nav-menu.active {
    left: 0;
  }
  
  .nav-toggle {
    display: block;
  }
  
  .hero-section {
    min-height: 500px;
  }
  
  /* On mobile, adjust gradient to full overlay for max text legibility */
  .hero-overlay {
    background: linear-gradient(
      to bottom,
      rgba(20, 82, 20, 0.95) 0%,
      rgba(20, 82, 20, 0.88) 60%,
      rgba(20, 82, 20, 0.75) 100%
    );
  }
  
  .hero-title {
    font-size: 1.85rem;
  }
  
  .hero-tagline {
    font-size: 1.05rem;
  }
  
  .section {
    padding: 3.5rem 0;
  }
  
  .section-title {
    font-size: 1.75rem;
  }
  
  .loan-banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 1.75rem;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
}