/* ── TESTIMONIALS ── */
.testimonials-section {
  background: linear-gradient(135deg, var(--navy) 0%, #193D8F 100%);
  padding: 70px 24px;
  color: white;
}
.testimonials-section .section-title { color: white; }
.testimonials-section .section-subtitle { color: rgba(255,255,255,0.65); }
.testimonials-section .divider { background: var(--green); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 16px;
  padding: 28px;
  transition: background 0.2s;
}
.testimonial-card:hover { background: rgba(255,255,255,0.12); }
.quote-icon {
  font-size: 48px;
  font-family: Georgia, serif;
  line-height: 1;
  color: var(--green);
  margin-bottom: 14px;
}
.testimonial-card p {
  font-size: 14px;
  line-height: 1.75;
  color: rgba(255,255,255,0.85);
  margin-bottom: 20px;
}
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 16px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.author-info h5 { font-size: 14px; font-weight: 600; color: white; }
.author-info span { font-size: 12px; color: rgba(255,255,255,0.55); }
.stars { color: var(--gold); font-size: 13px; margin-bottom: 6px; }

/* ── LOAN CTA SECTION ── */
.loan-section {
  padding: 70px 24px;
  background: var(--off-white);
}
.loan-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  max-width: 900px;
  margin: 0 auto 36px;
}
.loan-card {
  background: white;
  border-radius: 14px;
  padding: 24px 16px;
  border: 1px solid var(--border);
  text-align: center;
  transition: box-shadow 0.2s, transform 0.2s;
}
.loan-card:hover { box-shadow: 0 8px 24px rgba(11,35,84,0.10); transform: translateY(-3px); }
.loan-card .loan-icon { font-size: 32px; margin-bottom: 10px; }
.loan-card .loan-name { font-weight: 600; font-size: 14px; color: var(--navy); }
.loan-card .loan-amount { font-size: 12px; color: var(--muted); margin-top: 4px; }
.loan-section-inner { text-align: center; }
.loan-section-inner .section-title { text-align: center; }
.loan-section-inner .divider { margin: 0 auto 36px; }
.loan-section-inner > p { font-size: 16px; color: var(--muted); max-width: 520px; margin: 10px auto 28px; }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--navy);
  padding: 28px 24px;
}
.trust-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-radius: 12px;
  overflow: hidden;
}
.trust-item {
  padding: 20px 24px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.trust-item:last-child { border-right: none; }
.trust-icon { font-size: 28px; flex-shrink: 0; }
.trust-item h4 { font-size: 15px; font-weight: 600; color: white; margin-bottom: 4px; }
.trust-item p { font-size: 12px; color: rgba(255,255,255,0.55); line-height: 1.5; }

/* ── CONTACT ── */
.contact-section {
  padding: 70px 24px;
  background: var(--off-white);
}
.contact-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.contact-info h3 {
  font-family: 'Playfair Display', serif;
  font-size: 30px;
  color: var(--navy);
  margin-bottom: 14px;
}
.contact-info p { font-size: 15px; color: var(--muted); line-height: 1.7; margin-bottom: 28px; }
.contact-details { list-style: none; }
.contact-details li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 18px;
  font-size: 14px;
  color: var(--text);
}
.contact-details li .icon-box {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: #EBF8EE;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.contact-details li strong { display: block; font-weight: 600; margin-bottom: 2px; color: var(--navy); }
.about-tag {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 12px;
}
.contact-form {
  background: white;
  border-radius: 18px;
  padding: 36px;
  border: 1px solid var(--border);
  box-shadow: 0 4px 24px rgba(11,35,84,0.06);
}
.contact-form h3 {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 22px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--text);
  background: var(--off-white);
  outline: none;
  transition: border-color 0.2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--green);
  background: white;
}
.form-group textarea { resize: vertical; min-height: 90px; }
.form-submit {
  width: 100%;
  background: var(--navy);
  color: white;
  border: none;
  padding: 14px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
}
.form-submit:hover { background: var(--green); transform: translateY(-1px); }

/* ── FOOTER ── */
footer {
  background: #071A3E;
  color: rgba(255,255,255,0.7);
  padding: 50px 24px 24px;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 40px;
}
.footer-brand h2 {
  font-family: 'Playfair Display', serif;
  font-size: 24px;
  color: white;
  margin-bottom: 8px;
}
.footer-brand h2 span { color: var(--green); }
.footer-brand p { font-size: 13px; line-height: 1.65; margin-bottom: 18px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 34px; height: 34px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  text-decoration: none;
  transition: background 0.2s;
}
.footer-social a:hover { background: var(--green); color: white; }
.footer-col h4 { font-size: 14px; font-weight: 700; color: white; margin-bottom: 16px; letter-spacing: 0.3px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color 0.2s;
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col ul li a:hover { color: var(--green); }
.footer-col ul li a::before { content: '›'; font-size: 16px; }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.08); margin-bottom: 20px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-bottom p { font-size: 13px; }
.footer-bottom .links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom .links a { font-size: 13px; color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-bottom .links a:hover { color: var(--green); }

/* ── RESPONSIVE: TESTIMONIALS + TRUST + CONTACT + FOOTER ── */
@media (max-width: 900px) {
  .testimonials-grid { grid-template-columns: 1fr; gap: 16px; }
  .trust-inner { grid-template-columns: 1fr 1fr; }
  .trust-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .trust-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.1); }
  .trust-item:last-child { border-bottom: none; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .testimonials-section { padding: 48px 16px; }
  .loan-section { padding: 48px 16px; }
  .loan-cards-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .trust-bar { padding: 20px 16px; }
  .trust-inner { grid-template-columns: 1fr; }
  .trust-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding: 16px 20px; }
  .contact-section { padding: 48px 16px; }
  .contact-form { padding: 24px 16px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .contact-info h3 { font-size: 24px; }
  footer { padding: 40px 16px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}