@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800;900&family=Nunito:wght@300;400;500;600;700;800&display=swap');

:root {
  --gold: #F5A623;
  --gold-light: #FEF3DC;
  --gold-dark: #C4841A;
  --green: #27AE60;
  --green-light: #E8F8EF;
  --green-dark: #1E8449;
  --orange: #E67E22;
  --orange-light: #FEF0E6;
  --red-soft: #E74C3C;
  --purple: #8E44AD;
  --purple-light: #F4ECF7;
  --bg: #FFFDF7;
  --white: #ffffff;
  --text: #2C1810;
  --text-muted: #7D6355;
  --border: rgba(245,166,35,0.2);
  --radius: 20px;
  --radius-sm: 12px;
  --shadow: 0 4px 24px rgba(245,166,35,0.12);
  --shadow-lg: 0 12px 48px rgba(245,166,35,0.2);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Nunito', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
}

h1,h2,h3,h4 { font-family: 'Playfair Display', serif; line-height: 1.2; }
a { text-decoration: none; color: inherit; }

/* ── NAVBAR ── */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,253,247,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 2px solid var(--gold-light);
  padding: 0 2rem; height: 68px;
  display: flex; align-items: center; justify-content: space-between;
}

.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-family: 'Playfair Display', serif;
  font-weight: 900; font-size: 24px; color: var(--gold-dark);
}

.nav-logo-mark {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--gold), var(--orange));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 16px; font-weight: 900;
  box-shadow: 0 4px 12px rgba(245,166,35,0.4);
}

.nav-links { display: flex; gap: 2rem; list-style: none; font-size: 15px; font-weight: 600; }
.nav-links a { color: var(--text-muted); transition: color 0.2s; }
.nav-links a:hover { color: var(--gold-dark); }
.nav-actions { display: flex; gap: 10px; align-items: center; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 24px; border-radius: 999px;
  font-family: 'Nunito', sans-serif; font-size: 15px; font-weight: 700;
  cursor: pointer; border: none; transition: all 0.25s; text-decoration: none;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--orange));
  color: white; box-shadow: 0 4px 16px rgba(245,166,35,0.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(245,166,35,0.45); }

.btn-green {
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  color: white; box-shadow: 0 4px 16px rgba(39,174,96,0.3);
}
.btn-green:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(39,174,96,0.4); }

.btn-outline {
  background: transparent; color: var(--gold-dark);
  border: 2px solid var(--gold);
}
.btn-outline:hover { background: var(--gold-light); }

.btn-white { background: white; color: var(--gold-dark); font-weight: 700; }
.btn-white:hover { background: var(--gold-light); transform: translateY(-2px); }

.btn-lg { padding: 16px 36px; font-size: 17px; }
.btn-sm { padding: 8px 18px; font-size: 13px; }

/* ── HERO ── */
.hero {
  background: linear-gradient(160deg, #FFF8E7 0%, #FEF3DC 40%, #E8F8EF 100%);
  padding: 5rem 2rem 4rem; position: relative; overflow: hidden;
}

.hero-pattern {
  position: absolute; inset: 0; opacity: 0.04;
  background-image: radial-gradient(circle, var(--gold) 1px, transparent 1px);
  background-size: 32px 32px;
}

.hero-inner {
  max-width: 1140px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: center;
  position: relative; z-index: 1;
}

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: white; border: 2px solid var(--gold-light);
  color: var(--gold-dark); font-size: 13px; font-weight: 700;
  padding: 6px 16px; border-radius: 999px; margin-bottom: 1.5rem;
  box-shadow: var(--shadow);
}
.hero-eyebrow::before { content:'✨'; font-size: 14px; }

.hero h1 {
  font-size: clamp(38px, 5vw, 62px); font-weight: 900;
  margin-bottom: 1.25rem; color: var(--text);
}
.hero h1 .accent { color: var(--gold-dark); position: relative; }
.hero h1 .accent::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 4px; background: linear-gradient(90deg, var(--gold), var(--orange));
  border-radius: 2px;
}

.hero p { font-size: 18px; color: var(--text-muted); margin-bottom: 2.5rem; line-height: 1.8; font-weight: 500; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 3rem; }

.hero-trust {
  display: flex; align-items: center; gap: 12px;
  font-size: 14px; color: var(--text-muted); font-weight: 600;
}
.trust-avatars { display: flex; }
.trust-avatars span {
  width: 32px; height: 32px; border-radius: 50%;
  border: 2px solid white; margin-left: -8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; background: linear-gradient(135deg, var(--gold-light), var(--green-light));
}
.trust-avatars span:first-child { margin-left: 0; }

/* Hero Visual Cards */
.hero-visual { display: flex; flex-direction: column; gap: 16px; }

.hcard {
  background: white; border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow-lg);
  border: 2px solid var(--gold-light);
}
.hcard:nth-child(2) { margin-left: 2rem; }
.hcard:nth-child(1) { animation: floatA 5s ease-in-out infinite; }
.hcard:nth-child(2) { animation: floatB 5s ease-in-out infinite; }

@keyframes floatA { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }
@keyframes floatB { 0%,100%{transform:translateY(-5px)} 50%{transform:translateY(5px)} }

.hcard-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1rem; }
.hcard-label { font-size: 13px; font-weight: 600; color: var(--text-muted); }
.hcard-badge {
  font-size: 12px; font-weight: 700; padding: 4px 12px; border-radius: 999px;
}
.badge-gold { background: var(--gold-light); color: var(--gold-dark); }
.badge-green { background: var(--green-light); color: var(--green-dark); }
.badge-orange { background: var(--orange-light); color: var(--orange); }

.hcard-amount { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 900; color: var(--gold-dark); }
.hcard-sub { font-size: 13px; color: var(--text-muted); font-weight: 600; margin-top: 4px; }

.wave-logo {
  display: flex; align-items: center; gap: 8px;
  background: #0066FF; color: white; border-radius: 999px;
  padding: 6px 14px; font-size: 13px; font-weight: 700; margin-top: 12px;
  width: fit-content;
}

.progress-wrap { margin-top: 1rem; }
.progress-label { display: flex; justify-content: space-between; font-size: 12px; font-weight: 600; color: var(--text-muted); margin-bottom: 6px; }
.progress-bar { height: 8px; background: var(--gold-light); border-radius: 999px; overflow: hidden; }
.progress-fill { height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--gold), var(--orange)); }

/* ── SECTION BASE ── */
.section { padding: 6rem 2rem; }
.section-inner { max-width: 1140px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 4rem; }
.section-tag {
  display: inline-block; font-size: 12px; font-weight: 800;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold-dark); background: var(--gold-light);
  padding: 6px 16px; border-radius: 999px; margin-bottom: 1rem;
}
.section-title { font-size: clamp(28px, 4vw, 44px); font-weight: 900; margin-bottom: 1rem; }
.section-sub { font-size: 17px; color: var(--text-muted); max-width: 560px; margin: 0 auto; font-weight: 500; line-height: 1.7; }

/* ── HOW IT WORKS ── */
.how-bg { background: white; }

.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px,1fr)); gap: 2px; }

.step-card {
  background: white; padding: 2.5rem 2rem;
  position: relative; transition: all 0.3s;
  border: 2px solid transparent;
  border-radius: var(--radius);
}
.step-card:hover { border-color: var(--gold-light); box-shadow: var(--shadow-lg); transform: translateY(-4px); }

.step-num-wrap {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg, var(--gold-light), #FFF8E7);
  border: 2px solid var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 900; font-size: 22px; color: var(--gold-dark);
  margin-bottom: 1.5rem;
}

.step-card h3 { font-size: 19px; font-weight: 700; margin-bottom: 0.75rem; font-family: 'Nunito', sans-serif; }
.step-card p { font-size: 14px; color: var(--text-muted); line-height: 1.7; }

.step-icon { font-size: 28px; margin-bottom: 1rem; }

/* ── GROUP STRUCTURE ── */
.group-section { background: linear-gradient(160deg, #FFF8E7, var(--bg)); }

.group-visual {
  background: white; border-radius: var(--radius);
  padding: 3rem; border: 2px solid var(--gold-light);
  box-shadow: var(--shadow-lg); max-width: 700px; margin: 0 auto;
}

.group-center {
  text-align: center; margin-bottom: 2.5rem;
}
.group-circle {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--orange));
  display: flex; align-items: center; justify-content: center;
  font-size: 32px; margin: 0 auto 1rem;
  box-shadow: 0 8px 24px rgba(245,166,35,0.3);
}
.group-center h3 { font-size: 22px; font-weight: 900; }
.group-center p { font-size: 14px; color: var(--text-muted); }

.roles-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-bottom: 2rem; }

.role-card {
  text-align: center; padding: 1.25rem 1rem;
  border-radius: var(--radius-sm); border: 2px solid;
}
.role-president { border-color: var(--gold); background: var(--gold-light); }
.role-secretary { border-color: #3498DB; background: #EBF5FB; }
.role-treasurer { border-color: var(--green); background: var(--green-light); }

.role-icon { font-size: 24px; margin-bottom: 8px; }
.role-title { font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-muted); margin-bottom: 4px; }
.role-name { font-size: 15px; font-weight: 700; }

.members-row { display: flex; justify-content: center; gap: 10px; flex-wrap: wrap; }
.member-dot {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-light), #FFF8E7);
  border: 2px solid var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 700; color: var(--gold-dark);
  font-family: 'Playfair Display', serif;
}
.members-label { text-align: center; margin-top: 12px; font-size: 13px; font-weight: 600; color: var(--text-muted); }

/* ── LOAN CYCLES ── */
.cycles-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 16px; }

.cycle-card {
  background: white; border: 2px solid var(--border);
  border-radius: var(--radius); padding: 1.75rem 1.25rem;
  text-align: center; transition: all 0.3s; position: relative;
}
.cycle-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.cycle-card.featured { border: 3px solid var(--gold); background: linear-gradient(160deg, #FFF8E7, white); }

.cycle-badge {
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%);
  background: linear-gradient(135deg, var(--gold), var(--orange));
  color: white; font-size: 11px; font-weight: 800;
  padding: 4px 14px; border-radius: 999px; white-space: nowrap;
}

.cycle-icon { font-size: 32px; margin-bottom: 12px; }
.cycle-name {
  font-size: 13px; font-weight: 800; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--text-muted); margin-bottom: 12px;
}
.cycle-amount { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 900; color: var(--gold-dark); line-height: 1; }
.cycle-currency { font-size: 11px; color: var(--text-muted); font-weight: 600; margin: 4px 0 10px; }
.cycle-monthly { font-size: 13px; font-weight: 700; background: var(--gold-light); color: var(--gold-dark); padding: 5px 12px; border-radius: 999px; display: inline-block; }
.cycle-savings { font-size: 12px; color: var(--green-dark); font-weight: 700; margin-top: 8px; }

/* ── PAYMENT SECTION ── */
.payment-section { background: white; }
.payment-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }

.payment-visual {
  background: linear-gradient(160deg, #FFF8E7, #E8F8EF);
  border-radius: var(--radius); padding: 2.5rem;
  border: 2px solid var(--gold-light);
}

.wave-card {
  background: #0066FF; border-radius: var(--radius);
  padding: 1.75rem; color: white; margin-bottom: 16px;
  box-shadow: 0 8px 32px rgba(0,102,255,0.25);
}
.wave-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1rem; }
.wave-title { font-size: 20px; font-weight: 800; }
.wave-logo-icon { font-size: 24px; }
.wave-number { font-size: 28px; font-weight: 900; letter-spacing: 2px; margin-bottom: 8px; }
.wave-sub { font-size: 13px; opacity: 0.8; }

.payment-steps { display: flex; flex-direction: column; gap: 12px; }
.pay-step {
  display: flex; align-items: center; gap: 14px;
  background: white; border-radius: var(--radius-sm);
  padding: 1rem 1.25rem; border: 2px solid var(--gold-light);
}
.pay-step-num {
  width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--gold), var(--orange));
  color: white; font-weight: 800; font-size: 14px;
  display: flex; align-items: center; justify-content: center;
}
.pay-step-text { font-size: 14px; font-weight: 600; }

/* ── SAVINGS VISUAL ── */
.savings-section { background: linear-gradient(160deg, #E8F8EF, var(--bg)); }

.savings-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }

.savings-chart {
  background: white; border-radius: var(--radius); padding: 2rem;
  border: 2px solid var(--green-light); box-shadow: var(--shadow);
}
.savings-chart h4 { font-size: 16px; font-weight: 700; margin-bottom: 1.5rem; text-align: center; }

.month-bars { display: flex; align-items: flex-end; gap: 8px; height: 140px; margin-bottom: 1rem; }
.month-bar { flex: 1; border-radius: 8px 8px 0 0; background: linear-gradient(180deg, var(--green), var(--green-dark)); min-height: 20px; transition: all 0.3s; }
.month-bar:hover { opacity: 0.8; }
.month-labels { display: flex; gap: 8px; }
.month-labels span { flex: 1; text-align: center; font-size: 10px; color: var(--text-muted); font-weight: 600; }

.savings-total {
  text-align: center; padding: 1.5rem;
  background: var(--green-light); border-radius: var(--radius-sm);
  margin-top: 1rem;
}
.savings-total .amount { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 900; color: var(--green-dark); }
.savings-total .label { font-size: 14px; color: var(--green-dark); font-weight: 700; margin-top: 4px; }

/* ── CTA ── */
.cta-section {
  background: linear-gradient(135deg, var(--gold-dark) 0%, var(--orange) 50%, #E67E22 100%);
  padding: 7rem 2rem; text-align: center; position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: rgba(255,255,255,0.06); border-radius: 50%;
}
.cta-section::after {
  content: ''; position: absolute; bottom: -60px; left: -60px;
  width: 300px; height: 300px;
  background: rgba(255,255,255,0.04); border-radius: 50%;
}
.cta-section h2 { font-size: clamp(32px,5vw,52px); font-weight: 900; color: white; margin-bottom: 1rem; position: relative; z-index: 1; }
.cta-section p { font-size: 18px; color: rgba(255,255,255,0.88); margin-bottom: 2.5rem; max-width: 520px; margin-left: auto; margin-right: auto; position: relative; z-index: 1; font-weight: 500; }

/* ── FOOTER ── */
footer { background: #1A0F05; color: rgba(255,255,255,0.7); padding: 4rem 2rem 2rem; }
.footer-inner { max-width: 1140px; margin: 0 auto; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; }
.footer-logo { display: flex; align-items: center; gap: 10px; font-family: 'Playfair Display', serif; font-weight: 900; font-size: 22px; color: var(--gold); margin-bottom: 1rem; }
.footer-logo-mark { width: 34px; height: 34px; background: linear-gradient(135deg, var(--gold), var(--orange)); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: white; font-size: 15px; font-weight: 900; }
.footer-desc { font-size: 14px; line-height: 1.8; max-width: 240px; }
.footer-col h4 { font-family: 'Nunito', sans-serif; font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); margin-bottom: 1.25rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 14px; color: rgba(255,255,255,0.6); transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 2rem; display: flex; justify-content: space-between; align-items: center; font-size: 13px; flex-wrap: wrap; gap: 1rem; }

/* ── FORMS ── */
.auth-page {
  min-height: 100vh;
  background: linear-gradient(160deg, #FFF8E7 0%, #FEF3DC 50%, #E8F8EF 100%);
  display: flex; align-items: center; justify-content: center; padding: 2rem;
}
.auth-card {
  background: white; border-radius: 24px; padding: 3rem;
  width: 100%; max-width: 480px;
  box-shadow: var(--shadow-lg); border: 2px solid var(--gold-light);
}
.auth-header { text-align: center; margin-bottom: 2rem; }
.auth-header h2 { font-size: 28px; font-weight: 900; margin-bottom: 0.5rem; }
.auth-header p { font-size: 15px; color: var(--text-muted); font-weight: 500; }

.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-size: 14px; font-weight: 700; margin-bottom: 6px; color: var(--text); }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 16px;
  border: 2px solid var(--gold-light); border-radius: var(--radius-sm);
  font-family: 'Nunito', sans-serif; font-size: 15px; font-weight: 500;
  color: var(--text); background: var(--bg); transition: border-color 0.2s; outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); background: white; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group textarea { resize: vertical; min-height: 110px; }
.form-footer { text-align: center; margin-top: 1.5rem; font-size: 14px; color: var(--text-muted); font-weight: 500; }
.form-footer a { color: var(--gold-dark); font-weight: 700; }

.alert { padding: 14px 18px; border-radius: var(--radius-sm); font-size: 14px; font-weight: 600; margin-bottom: 1.25rem; }
.alert-success { background: var(--green-light); color: var(--green-dark); border: 2px solid #A9DFBF; }
.alert-error { background: #FDEDEC; color: #922B21; border: 2px solid #F1948A; }

/* ── DASHBOARD ── */
.dashboard { display: grid; grid-template-columns: 270px 1fr; min-height: calc(100vh - 68px); }
.sidebar { background: white; border-right: 2px solid var(--gold-light); padding: 2rem 0; }
.sidebar-section-title { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.12em; color: var(--text-muted); padding: 0 24px; margin: 1.5rem 0 0.5rem; }
.sidebar-menu { list-style: none; }
.sidebar-menu li a {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 24px; font-size: 14px; font-weight: 600;
  color: var(--text-muted); transition: all 0.2s; border-right: 3px solid transparent;
}
.sidebar-menu li a:hover, .sidebar-menu li a.active {
  background: var(--gold-light); color: var(--gold-dark); border-right-color: var(--gold);
}
.sidebar-menu li a .icon { font-size: 18px; width: 22px; text-align: center; }

.dash-content { padding: 2.5rem; background: var(--bg); }
.dash-header { margin-bottom: 2rem; }
.dash-header h1 { font-size: 28px; font-weight: 900; }
.dash-header p { font-size: 15px; color: var(--text-muted); font-weight: 500; }

.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px,1fr)); gap: 20px; margin-bottom: 2rem; }
.stat-card {
  background: white; border: 2px solid var(--gold-light);
  border-radius: var(--radius); padding: 1.5rem; transition: all 0.2s;
}
.stat-card:hover { box-shadow: var(--shadow); }
.stat-card .label { font-size: 13px; font-weight: 700; color: var(--text-muted); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.06em; }
.stat-card .value { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 900; color: var(--gold-dark); }
.stat-card .change { font-size: 13px; color: var(--green-dark); font-weight: 700; margin-top: 4px; }

.card-box { background: white; border: 2px solid var(--gold-light); border-radius: var(--radius); padding: 1.75rem; margin-bottom: 1.5rem; }
.card-box h3 { font-size: 18px; font-weight: 800; margin-bottom: 1.25rem; }

table { width: 100%; border-collapse: collapse; }
table th { text-align: left; font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-muted); padding: 0 14px 12px; border-bottom: 2px solid var(--gold-light); }
table td { padding: 14px; font-size: 14px; font-weight: 500; border-bottom: 1px solid var(--gold-light); }

.badge { display: inline-block; font-size: 12px; font-weight: 700; padding: 4px 12px; border-radius: 999px; }
.badge-green { background: var(--green-light); color: var(--green-dark); }
.badge-gold { background: var(--gold-light); color: var(--gold-dark); }
.badge-red { background: #FDEDEC; color: #922B21; }
.badge-blue { background: #EBF5FB; color: #1A5276; }
.badge-purple { background: var(--purple-light); color: var(--purple); }

/* ── PAGE HEADER ── */
.page-header {
  background: linear-gradient(135deg, var(--gold-dark), var(--orange));
  padding: 4rem 2rem; text-align: center; color: white;
}
.page-header h1 { font-size: 38px; font-weight: 900; margin-bottom: 0.5rem; }
.page-header p { font-size: 17px; opacity: 0.88; font-weight: 500; }

/* ── RESPONSIVE ── */
@media (max-width: 960px) {
  .hero-inner, .payment-grid, .savings-grid { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .cycles-grid { grid-template-columns: repeat(2,1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .dashboard { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .roles-row { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .cycles-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

/* ── ANIMATIONS ── */
.fade-up { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }
.fade-up:nth-child(4) { transition-delay: 0.3s; }
.fade-up:nth-child(5) { transition-delay: 0.4s; }