/* ===========================
   RESET & BASE
=========================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy:        #050e1f;
  --navy-mid:    #0c1e3c;
  --blue-deep:   #103c74;
  --blue:        #1a5fb4;
  --blue-bright: #2d7dd2;
  --accent:      #4fa3e0;
  --accent-glow: #60b8f5;
  --white:       #ffffff;
  --white-90:    rgba(255,255,255,0.90);
  --white-60:    rgba(255,255,255,0.60);
  --white-20:    rgba(255,255,255,0.12);
  --white-08:    rgba(255,255,255,0.06);
  --text-dark:   #0c1e3c;
  --text-body:   #2c4a72;
  --text-muted:  #5a7fa8;
  --border:      rgba(26,95,180,0.18);
  --border-dark: rgba(79,163,224,0.25);
  --radius:      12px;
  --radius-lg:   20px;
  --shadow:      0 4px 32px rgba(5,14,31,0.18);
  --shadow-card: 0 2px 20px rgba(26,95,180,0.10);
  --font-head:   'Syne', sans-serif;
  --font-body:   'DM Sans', sans-serif;
  --transition:  0.35s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--text-dark);
  line-height: 1.65;
  overflow-x: hidden;
}

/* ===========================
   TYPOGRAPHY
=========================== */
h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ===========================
   UTILITY
=========================== */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 28px;
}

.section-label {
  display: inline-block;
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--blue-bright);
  background: rgba(45,125,210,0.10);
  padding: 5px 14px;
  border-radius: 100px;
  border: 1px solid rgba(45,125,210,0.22);
  margin-bottom: 18px;
}

.section-label--light {
  color: var(--accent-glow);
  background: rgba(96,184,245,0.12);
  border-color: rgba(96,184,245,0.25);
}

.section-title {
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--text-dark);
  margin-bottom: 20px;
}

.section-title--light { color: var(--white); }

.section-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 520px;
  margin: 0 auto;
}

.section-desc--light { color: var(--white-60); }

.section-header {
  text-align: center;
  margin-bottom: 64px;
}

/* ===========================
   BUTTONS
=========================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.92rem;
  letter-spacing: 0.02em;
  padding: 13px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--blue-bright);
  color: var(--white);
  border-color: var(--blue-bright);
  box-shadow: 0 4px 24px rgba(45,125,210,0.35);
}

.btn--primary:hover {
  background: var(--accent);
  border-color: var(--accent);
  box-shadow: 0 6px 32px rgba(79,163,224,0.45);
  transform: translateY(-2px);
}

.btn--outline {
  background: transparent;
  color: var(--blue-bright);
  border-color: var(--blue-bright);
}

.btn--outline:hover {
  background: var(--blue-bright);
  color: var(--white);
  transform: translateY(-2px);
}

.btn--ghost {
  background: var(--white-08);
  color: var(--white-90);
  border-color: var(--white-20);
  backdrop-filter: blur(8px);
}

.btn--ghost:hover {
  background: var(--white-20);
  transform: translateY(-2px);
}

.btn--full { width: 100%; }

/* ===========================
   HEADER
=========================== */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 900;
  padding: 18px 0;
  transition: background var(--transition), backdrop-filter var(--transition), box-shadow var(--transition);
}

.header.scrolled {
  background: rgba(5,14,31,0.88);
  backdrop-filter: blur(16px);
  box-shadow: 0 2px 32px rgba(5,14,31,0.4);
}

.header__inner {
  display: flex;
  align-items: center;
  gap: 40px;
}

/* LOGO */
.logo {
  font-family: var(--font-head);
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  flex-shrink: 0;
}

.logo__okolea { color: var(--white); }
.logo__loans  { color: var(--accent); margin-left: 3px; }
.logo__llc    { color: var(--white-60); font-size: 0.72rem; font-weight: 600; margin-left: 5px; vertical-align: middle; letter-spacing: 0.04em; }

/* NAV */
.nav {
  display: flex;
  align-items: center;
  gap: 36px;
  margin-left: auto;
}

.nav__link {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--white-60);
  letter-spacing: 0.03em;
  transition: color var(--transition);
  position: relative;
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: var(--accent);
  border-radius: 2px;
  transition: width var(--transition);
}

.nav__link:hover { color: var(--white); }
.nav__link:hover::after { width: 100%; }

.header__cta { margin-left: 8px; }

/* BURGER */
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: auto;
}

.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.burger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.active span:nth-child(2) { opacity: 0; }
.burger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===========================
   HERO
=========================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--navy);
  overflow: hidden;
  padding: 140px 0 100px;
}

.hero__grid-overlay {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(45,125,210,0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(45,125,210,0.08) 1px, transparent 1px);
  background-size: 56px 56px;
  pointer-events: none;
}

.hero__deco {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(80px);
}

.hero__deco--1 {
  width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(45,125,210,0.22), transparent 70%);
  top: -80px; right: -100px;
}

.hero__deco--2 {
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(79,163,224,0.14), transparent 70%);
  bottom: 60px; left: -80px;
}

.hero__deco--3 {
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(96,184,245,0.18), transparent 70%);
  top: 50%; left: 42%;
}

.hero__inner { position: relative; z-index: 2; max-width: 700px; }

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-glow);
  background: rgba(96,184,245,0.10);
  border: 1px solid rgba(96,184,245,0.22);
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 28px;
  animation: fadeUp 0.7s ease both;
}

.hero__badge::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--accent-glow);
  border-radius: 50%;
  box-shadow: 0 0 10px var(--accent-glow);
  animation: pulse 2s infinite;
}

.hero__title {
  font-size: clamp(2.8rem, 6.5vw, 5rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 24px;
  animation: fadeUp 0.7s 0.12s ease both;
}

.hero__title em {
  font-style: normal;
  color: transparent;
  -webkit-text-stroke: 2px var(--accent);
  background: linear-gradient(135deg, var(--accent), var(--accent-glow));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero__subtitle {
  font-size: 1.12rem;
  color: var(--white-60);
  max-width: 520px;
  margin-bottom: 40px;
  line-height: 1.7;
  animation: fadeUp 0.7s 0.22s ease both;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  animation: fadeUp 0.7s 0.34s ease both;
}

/* ===========================
   ABOUT
=========================== */
.about { padding: 120px 0; background: var(--white); }

.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.about__text .section-title { margin-top: 12px; }

.about__text p {
  color: var(--text-body);
  margin-bottom: 20px;
  font-size: 1.02rem;
}

.about__text .btn { margin-top: 12px; }

.about__cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.about__card {
  background: #f2f7fd;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: var(--transition);
}

.about__card:hover {
  background: var(--white);
  border-color: var(--blue-bright);
  box-shadow: 0 8px 32px rgba(45,125,210,0.14);
  transform: translateY(-4px);
}

.about__card-icon {
  font-size: 1.5rem;
  color: var(--blue-bright);
  margin-bottom: 14px;
  display: block;
}

.about__card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text-dark);
}

.about__card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ===========================
   SERVICES
=========================== */
.services {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
}

.services__bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(145deg, var(--navy) 0%, var(--navy-mid) 50%, #091a34 100%);
}

.services .container { position: relative; z-index: 2; }

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white-08);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue-bright), var(--accent));
  opacity: 0;
  transition: var(--transition);
}

.service-card:hover {
  background: rgba(45,125,210,0.12);
  border-color: rgba(79,163,224,0.4);
  transform: translateY(-6px);
  box-shadow: 0 12px 48px rgba(5,14,31,0.4);
}

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

.service-card__number {
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--accent);
  margin-bottom: 16px;
}

.service-card__title {
  font-size: 1.18rem;
  color: var(--white);
  margin-bottom: 14px;
}

.service-card__desc {
  font-size: 0.88rem;
  color: var(--white-60);
  line-height: 1.65;
  margin-bottom: 20px;
}

.service-card__list li {
  font-size: 0.84rem;
  color: var(--accent-glow);
  padding: 5px 0;
  padding-left: 18px;
  position: relative;
}

.service-card__list li::before {
  content: '→';
  position: absolute;
  left: 0;
  font-size: 0.78rem;
}

/* ===========================
   FAQ
=========================== */
.faq { padding: 120px 0; background: #f5f9ff; }

.faq__inner { max-width: 800px; margin: 0 auto; }
.faq__inner .section-header { text-align: center; }

.faq__list { display: flex; flex-direction: column; gap: 12px; }

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

.faq__item.open {
  border-color: var(--blue-bright);
  box-shadow: 0 4px 24px rgba(45,125,210,0.12);
}

.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 26px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  transition: color var(--transition);
}

.faq__item.open .faq__question { color: var(--blue-bright); }

.faq__icon {
  font-size: 1.3rem;
  font-weight: 300;
  color: var(--blue-bright);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq__item.open .faq__icon { transform: rotate(45deg); }

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.45s cubic-bezier(0.4,0,0.2,1);
}

.faq__answer p {
  padding: 0 26px 22px;
  font-size: 0.96rem;
  color: var(--text-body);
  line-height: 1.7;
}

/* ===========================
   CONTACT
=========================== */
.contact {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
}

.contact__bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0a1e3c 0%, var(--navy) 60%, #091526 100%);
}

.contact__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact__desc {
  font-size: 1.02rem;
  color: var(--white-60);
  margin: 20px 0 40px;
  line-height: 1.7;
}

.contact__details { display: flex; flex-direction: column; gap: 24px; }

.contact__detail { display: flex; flex-direction: column; gap: 4px; }

.contact__detail-label {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
}

.contact__detail-value {
  font-size: 1rem;
  color: var(--white-90);
  transition: color var(--transition);
}

a.contact__detail-value:hover { color: var(--accent-glow); }

/* FORM */
.contact__form {
  background: var(--white-08);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  backdrop-filter: blur(12px);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group label {
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--white-60);
}

.form-group input,
.form-group select,
.form-group textarea {
  background: rgba(255,255,255,0.06);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius);
  padding: 13px 16px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--white);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(255,255,255,0.28); }

.form-group select { appearance: none; cursor: pointer; }
.form-group select option { background: var(--navy-mid); color: var(--white); }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(79,163,224,0.18);
}

.form-group textarea { resize: vertical; min-height: 110px; }

.form-success {
  display: none;
  text-align: center;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--accent-glow);
  padding: 12px;
  border-radius: var(--radius);
  background: rgba(96,184,245,0.12);
  border: 1px solid rgba(96,184,245,0.25);
}

.form-success.visible { display: block; animation: fadeUp 0.4s ease both; }

/* ===========================
   FOOTER
=========================== */
.footer {
  background: var(--navy);
  border-top: 1px solid var(--white-08);
  padding: 32px 0;
}

.footer__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.footer__copy {
  font-size: 0.84rem;
  color: var(--white-60);
}

/* ===========================
   REVEAL ANIMATION
=========================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

/* ===========================
   KEYFRAMES
=========================== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes pulse {
  0%, 100% { box-shadow: 0 0 6px var(--accent-glow); }
  50%       { box-shadow: 0 0 18px var(--accent-glow); }
}

/* ===========================
   RESPONSIVE
=========================== */
@media (max-width: 1024px) {
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .about__inner   { gap: 50px; }
}

@media (max-width: 768px) {
  .nav, .header__cta { display: none; }
  .burger { display: flex; }

  /* Mobile nav open */
  .nav.nav--open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0; left: 0; right: 0;
    height: 100vh;
    background: rgba(5,14,31,0.97);
    backdrop-filter: blur(20px);
    justify-content: center;
    align-items: center;
    gap: 32px;
    z-index: 800;
  }

  .nav.nav--open .nav__link {
    font-size: 1.5rem;
    color: var(--white-90);
  }

  .about__inner   { grid-template-columns: 1fr; gap: 40px; }
  .about__cards   { grid-template-columns: 1fr 1fr; }
  .services__grid { grid-template-columns: 1fr; }
  .contact__inner { grid-template-columns: 1fr; gap: 48px; }
  .footer__inner  { justify-content: center; text-align: center; }
}

@media (max-width: 480px) {
  .about__cards { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; }
  .contact__form { padding: 28px 20px; }
}