/* ============================================
   Easy Loans Limited — Black & Gold Theme
   ============================================ */

:root {
  --black: #0a0a0a;
  --black-soft: #121212;
  --charcoal: #1a1a1a;
  --charcoal-light: #2b2b2b;
  --gold-dark: #8b6914;
  --gold: #c9a227;
  --gold-bright: #e8c547;
  --gold-pale: #f5e6a8;
  --white: #f5f5f5;
  --grey: #a8a8a8;
  --font-en: "Montserrat", sans-serif;
  --font-zh: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif;
  --gold-gradient: linear-gradient(
    135deg,
    #8b6914 0%,
    #c9a227 25%,
    #f0d875 50%,
    #c9a227 75%,
    #8b6914 100%
  );
  --gold-btn-gradient: linear-gradient(
    180deg,
    #a8862a 0%,
    #e8c547 35%,
    #f5e6a8 50%,
    #e8c547 65%,
    #a8862a 100%
  );
  --shadow-gold: 0 0 20px rgba(201, 162, 39, 0.35);
  --transition: 0.3s ease;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-zh);
  background: var(--black);
  color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  position: relative;
}

/* 全站頁面背景圖 webbg01–04 */
.site-bg {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;
  background: var(--black);
}

.site-bg__image {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center top;
  background-repeat: no-repeat;
}

.site-bg__overlay {
  display: none;
}

body[data-page="home"] .site-bg__image {
  background-image: url("../IMAGES/webbg01.jpg");
}

body[data-page="about"] .site-bg__image {
  background-image: url("../IMAGES/webbg02.jpg");
}

body[data-page="services"] .site-bg__image {
  background-image: url("../IMAGES/webbg03.jpg");
}

body[data-page="apply"] .site-bg__image {
  background-image: url("../IMAGES/webbg04.jpg");
}

body[data-page="faq"] .site-bg__image {
  background-image: url("../IMAGES/webbg02.jpg");
}

body[data-page="contact"] .site-bg__image {
  background-image: url("../IMAGES/webbg04.jpg");
}

.legal-banner,
.site-header,
main,
.site-footer,
.live-chat {
  position: relative;
  z-index: 1;
}

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

a {
  color: var(--gold-bright);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover {
  color: var(--gold-pale);
}

.gold-text {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.container {
  width: min(1140px, 92vw);
  margin-inline: auto;
}

/* ---- Legal Banner (當眼處) ---- */
.legal-banner {
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-dark));
  color: var(--black);
  text-align: center;
  padding: 0.55rem 1rem;
  font-size: clamp(0.72rem, 2vw, 0.88rem);
  line-height: 1.4;
  position: sticky;
  top: 0;
  z-index: 1000;
}

.legal-banner__zh,
.legal-banner__en {
  margin: 0;
}

/* ---- Header ---- */
.site-header {
  background: var(--black);
  border-bottom: 1px solid rgba(201, 162, 39, 0.25);
  position: sticky;
  top: 2.6rem;
  z-index: 900;
  backdrop-filter: blur(12px);
  transition: padding var(--transition);
}

.header-inner {
  width: min(1200px, 96vw);
  margin-inline: auto;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  padding: 0.75rem 0;
  gap: 0.5rem 1rem;
  transition: padding var(--transition);
}

.logo-link {
  display: block;
  flex-shrink: 0;
  line-height: 0;
}

.logo-link--center {
  grid-column: 2;
  grid-row: 1;
  justify-self: center;
}

.main-nav {
  grid-column: 1 / -1;
  grid-row: 2;
  justify-content: center;
}

.nav-toggle {
  grid-column: 3;
  grid-row: 1;
  justify-self: end;
  align-self: center;
}

.logo {
  width: clamp(160px, 22vw, 240px);
  transition: width 0.35s ease;
}

.site-header.is-scrolled .header-inner {
  padding: 0.4rem 0;
}

.site-header.is-scrolled .logo {
  width: clamp(72px, 10vw, 110px);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  border: 1px solid var(--gold);
  border-radius: 4px;
  padding: 8px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gold);
}

.main-nav {
  display: flex;
  justify-content: center;
}

.nav-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  justify-content: flex-end;
}

/* Gold pill nav buttons — 參考 BTN.jpg */
.nav-item {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.55rem 1.5rem;
  border-radius: 999px;
  border: 3px solid #050505;
  background:
    linear-gradient(
      180deg,
      #f7ecc0 0%,
      #edd06a 18%,
      #d4af37 42%,
      #f2dc82 52%,
      #c9a227 72%,
      #9a7720 100%
    );
  box-shadow:
    inset 0 2px 5px rgba(255, 255, 255, 0.55),
    inset 0 -4px 8px rgba(60, 40, 0, 0.35),
    0 0 0 1px #e8c547,
    0 0 0 2px #050505,
    0 0 0 3px rgba(212, 175, 55, 0.85),
    0 5px 14px rgba(0, 0, 0, 0.55);
  color: #0a0a0a;
  font-family: var(--font-en);
  font-size: 0.72rem;
  font-weight: 400;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  min-width: 96px;
  min-height: 44px;
  white-space: nowrap;
  text-shadow: none;
  transition: transform var(--transition), box-shadow var(--transition), filter var(--transition);
  overflow: hidden;
}

.nav-item::after {
  content: "";
  position: absolute;
  inset: 3px 8px auto;
  height: 42%;
  border-radius: 999px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.42) 0%, rgba(255, 255, 255, 0) 100%);
  pointer-events: none;
}

.nav-item:hover {
  transform: translateY(-2px);
  filter: brightness(1.06);
  color: #000;
  box-shadow:
    inset 0 2px 6px rgba(255, 255, 255, 0.6),
    inset 0 -4px 8px rgba(60, 40, 0, 0.3),
    0 0 0 1px #f5e6a8,
    0 0 0 2px #050505,
    0 0 0 3px #e8c547,
    0 8px 22px rgba(201, 162, 39, 0.45);
}

/* ---- Buttons ---- */
.btn-gold,
.btn-outline {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: 999px;
  font-family: var(--font-en);
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
}

.btn-gold {
  position: relative;
  border: 3px solid #050505;
  background:
    linear-gradient(
      180deg,
      #f7ecc0 0%,
      #edd06a 18%,
      #d4af37 42%,
      #f2dc82 52%,
      #c9a227 72%,
      #9a7720 100%
    );
  color: #000;
  font-weight: 300;
  letter-spacing: 0.12em;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.45);
  box-shadow:
    inset 0 2px 5px rgba(255, 255, 255, 0.5),
    inset 0 -4px 8px rgba(60, 40, 0, 0.35),
    0 0 0 1px #e8c547,
    0 0 0 2px #050505,
    0 0 0 3px rgba(212, 175, 55, 0.85),
    0 5px 16px rgba(0, 0, 0, 0.5);
  overflow: hidden;
}

.btn-gold::after {
  content: "";
  position: absolute;
  inset: 3px 12px auto;
  height: 42%;
  border-radius: 999px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.4) 0%, rgba(255, 255, 255, 0) 100%);
  pointer-events: none;
}

.btn-gold:hover {
  transform: translateY(-2px);
  color: #000;
  filter: brightness(1.06);
  box-shadow:
    inset 0 2px 6px rgba(255, 255, 255, 0.55),
    inset 0 -4px 8px rgba(60, 40, 0, 0.3),
    0 0 0 1px #f5e6a8,
    0 0 0 2px #050505,
    0 0 0 3px #e8c547,
    0 8px 24px rgba(201, 162, 39, 0.55);
}

.btn-outline {
  background: transparent;
  color: var(--gold-bright);
  border: 1px solid var(--gold);
}

.btn-outline:hover {
  background: rgba(201, 162, 39, 0.12);
  color: var(--gold-pale);
  transform: translateY(-2px);
}

/* ---- Hero ---- */
.hero {
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 4rem 0 3rem;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: transparent;
  z-index: 0;
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: min(1200px, 92vw);
  margin-inline: auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero-eyebrow {
  font-family: var(--font-en);
  font-size: 0.8rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

.hero-title {
  font-family: var(--font-en);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 0.5rem;
}

.hero-title-zh {
  display: block;
  font-family: var(--font-zh);
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 500;
  color: var(--white);
  -webkit-text-fill-color: var(--white);
  margin-top: 0.35rem;
}

.hero-tagline {
  font-size: 1.15rem;
  color: var(--grey);
  margin-bottom: 1rem;
}

.hero-desc {
  font-size: 1.05rem;
  max-width: 520px;
  margin-bottom: 2rem;
  color: #d0d0d0;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}

.hex-frame {
  position: relative;
  padding: 2rem;
}

.hex-frame::before {
  content: "";
  position: absolute;
  inset: 0;
  border: 2px solid var(--gold);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  opacity: 0.6;
  box-shadow: var(--shadow-gold);
}

.hex-frame::after {
  content: "";
  position: absolute;
  inset: -20px;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.15) 0%, transparent 70%);
  z-index: -1;
}

.hero-logo {
  width: min(320px, 80%);
  margin-inline: auto;
  filter: drop-shadow(0 0 30px rgba(201, 162, 39, 0.3));
}

/* ---- Sections ---- */
.section {
  padding: 5rem 0;
  position: relative;
}

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  text-align: center;
  margin-bottom: 0.35rem;
}

.section-subtitle {
  text-align: center;
  font-family: var(--font-en);
  color: var(--grey);
  font-size: 0.9rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 3rem;
}

/* Features */
.features {
  background: transparent;
  border-block: 1px solid rgba(201, 162, 39, 0.15);
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.feature-card {
  background: var(--black-soft);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-radius: 8px;
  padding: 2rem 1.5rem;
  text-align: center;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.feature-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}

.feature-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 1rem;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--gold-bright);
  box-shadow: var(--shadow-gold);
}

.feature-card h3 {
  color: var(--gold-bright);
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}

.feature-card p {
  font-size: 0.92rem;
  color: var(--grey);
}

/* About */
.about {
  background: transparent;
}

.about-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3rem;
  align-items: start;
}

.about-content .section-title {
  text-align: left;
  margin-bottom: 1.5rem;
}

.about-content p {
  margin-bottom: 1rem;
  color: #d5d5d5;
}

.about-list {
  list-style: none;
  margin: 1.5rem 0 2rem;
}

.about-list li {
  padding: 0.5rem 0 0.5rem 1.5rem;
  position: relative;
  color: var(--grey);
}

.about-list li::before {
  content: "◆";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-size: 0.6rem;
  top: 0.65rem;
}

.about-stats {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.stat-box {
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: 8px;
  padding: 1.75rem;
  text-align: center;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.stat-box:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
  transform: translateY(-4px);
}

.stat-number {
  display: block;
  font-family: var(--font-en);
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1;
  margin-bottom: 0.35rem;
}

.stat-label {
  font-size: 0.9rem;
  color: var(--grey);
}

/* FAQ */
.faq-section {
  background: transparent;
}

.faq-list {
  max-width: 820px;
  margin-inline: auto;
  display: grid;
  gap: 1rem;
}

.faq-item {
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-radius: 8px;
  padding: 1.5rem 1.75rem;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.faq-item:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
  transform: translateY(-3px);
}

.faq-item__q {
  color: var(--gold-bright);
  font-size: 1.05rem;
  margin-bottom: 0.65rem;
  line-height: 1.4;
}

.faq-item__a {
  color: #d0d0d0;
  font-size: 0.95rem;
  line-height: 1.75;
}

.faq-item__a strong {
  color: var(--gold-pale);
}

.faq-item__a a {
  color: var(--gold-bright);
}

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-bottom: 2.5rem;
}

.contact-card {
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.25);
  border-radius: 8px;
  padding: 1.5rem;
  text-align: center;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.contact-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
  transform: translateY(-4px);
}

.contact-card--wide {
  grid-column: 1 / -1;
}

.contact-card h3 {
  color: var(--gold);
  font-size: 0.95rem;
  margin-bottom: 0.75rem;
  font-family: var(--font-en);
  letter-spacing: 0.05em;
}

.contact-card a {
  font-size: 1.1rem;
  font-weight: 500;
}

.contact-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* ---- Footer ---- */
.site-footer {
  background: var(--black);
  border-top: 2px solid var(--gold-dark);
  padding: 3rem 0 2rem;
}

.footer-inner {
  display: grid;
  gap: 2rem;
}

.footer-brand {
  text-align: center;
}

.footer-logo {
  width: 180px;
  margin: 0 auto 1rem;
  opacity: 0.95;
}

.footer-name {
  font-family: var(--font-en);
  font-size: 0.9rem;
  color: var(--grey);
  line-height: 1.6;
}

.footer-legal {
  background: rgba(201, 162, 39, 0.06);
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: 8px;
  padding: 1.75rem 2rem;
}

.footer-legal-title {
  font-size: 1rem;
  color: var(--gold-bright);
  text-align: center;
  margin-bottom: 1.25rem;
  letter-spacing: 0.05em;
}

.footer-license p,
.footer-apr p {
  font-size: 0.92rem;
  color: #ccc;
  margin-bottom: 0.5rem;
  text-align: center;
}

.footer-warning {
  text-align: center;
  margin: 1.25rem 0;
  padding: 1rem;
  background: rgba(201, 162, 39, 0.12);
  border-radius: 6px;
}

.warning-zh {
  font-size: 1.05rem;
  color: var(--gold-pale);
  margin-bottom: 0.35rem;
}

.warning-en {
  font-size: 0.95rem;
  color: var(--white);
}

.footer-contact {
  text-align: center;
  font-size: 0.88rem;
  color: var(--grey);
}

.footer-contact p {
  margin-bottom: 0.35rem;
}

.footer-copy {
  text-align: center;
  font-size: 0.78rem;
  color: #666;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

/* ---- Responsive ---- */
@media (max-width: 1100px) {
  .nav-item {
    min-width: 88px;
    padding: 0.5rem 1.1rem;
    font-size: 0.65rem;
  }
}

@media (max-width: 992px) {
  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero-desc {
    margin-inline: auto;
  }

  .hero-cta {
    justify-content: center;
  }

  .feature-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .about-content .section-title {
    text-align: center;
  }

  .about-stats {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .stat-box {
    flex: 1;
    min-width: 140px;
  }
}

@media (max-width: 768px) {
  .site-header {
    top: 0;
    --header-bar-height: 5.75rem;
  }

  .site-header.is-scrolled {
    --header-bar-height: 4.5rem;
  }

  .header-inner {
    min-height: var(--header-bar-height);
    align-items: center;
  }

  .legal-banner {
    position: relative;
  }

  .nav-toggle {
    display: flex;
    position: relative;
    z-index: 5;
    flex-shrink: 0;
  }

  .header-inner {
    grid-template-columns: 1fr auto 1fr;
    grid-template-rows: auto;
  }

  .main-nav {
    position: fixed;
    top: var(--header-bar-height);
    left: 0;
    right: 0;
    width: 100%;
    height: calc(100dvh - var(--header-bar-height));
    background: var(--charcoal);
    border-left: none;
    padding: 0;
    transition: transform var(--transition);
    transform: translateX(100%);
    z-index: 2;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    grid-column: unset;
    grid-row: unset;
  }

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

  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0.85rem;
    width: 100%;
    margin: 0;
    padding: 1rem 1rem 2rem;
  }

  .nav-item {
    justify-content: center;
    border-radius: 999px;
    min-width: auto;
    width: 100%;
    min-height: 56px;
    padding: 1rem 1.5rem;
    font-family: var(--font-zh);
    font-size: 1.05rem;
    font-weight: 500;
    letter-spacing: 0.06em;
    text-transform: none;
  }

  .feature-grid {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .contact-card--wide {
    grid-column: auto;
  }
}

@media (max-width: 480px) {
  .site-header {
    --header-bar-height: 5.5rem;
  }

  .site-header.is-scrolled {
    --header-bar-height: 4.25rem;
  }

  .nav-list {
    gap: 0.75rem;
    padding: 0.85rem 0.85rem 2rem;
  }

  .nav-item {
    min-height: 54px;
    font-size: 1rem;
    padding: 0.95rem 1.35rem;
  }

  .hero {
    min-height: auto;
    padding: 2.5rem 0;
  }

  .section {
    padding: 3.5rem 0;
  }
}

/* ---- Multi-page & SEO extras ---- */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  z-index: 2000;
  padding: 0.65rem 1rem;
  background: var(--gold);
  color: var(--black);
  font-weight: 600;
  border-radius: 0 0 6px 6px;
}

.skip-link:focus {
  top: 0;
}

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.65);
  z-index: 940;
  opacity: 0;
  transition: opacity var(--transition);
}

.nav-overlay.is-visible {
  display: block;
  opacity: 1;
}

body.nav-open {
  overflow: hidden;
}

body.nav-open .site-header {
  z-index: 960;
}

body.nav-open .nav-overlay {
  z-index: 955;
}

.nav-item.is-active {
  filter: brightness(1.08);
  color: #000;
  box-shadow:
    inset 0 2px 6px rgba(255, 255, 255, 0.62),
    inset 0 -4px 8px rgba(60, 40, 0, 0.28),
    0 0 0 1px #fff0b3,
    0 0 0 2px #050505,
    0 0 0 3px #f5e6a8,
    0 0 22px rgba(232, 197, 71, 0.55),
    0 6px 18px rgba(0, 0, 0, 0.5);
}

/* Inner page hero */
.page-hero {
  position: relative;
  padding: 3.5rem 0 2.5rem;
  background: transparent;
  border-bottom: 1px solid rgba(201, 162, 39, 0.2);
}

.page-hero.particles-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 1;
  pointer-events: none;
}

.page-hero.particles-section > .page-hero__inner {
  z-index: 2;
}

.page-hero__inner {
  width: min(1140px, 92vw);
  margin-inline: auto;
  text-align: center;
}

.page-hero__title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  margin-bottom: 0.5rem;
}

.page-hero__desc {
  color: var(--grey);
  max-width: 640px;
  margin-inline: auto;
}

.page-hero__inner .breadcrumb {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.1s both;
}

.page-hero__inner .page-hero__title {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.25s both;
}

.page-hero__inner .page-hero__desc {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.4s both;
}

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.35rem;
  list-style: none;
  font-size: 0.82rem;
  margin-bottom: 1.25rem;
  color: var(--grey);
}

.breadcrumb a {
  color: var(--gold);
}

.breadcrumb li + li::before {
  content: "›";
  margin-right: 0.35rem;
  color: var(--gold-dark);
}

.breadcrumb [aria-current="page"] {
  color: var(--white);
}

/* Content blocks */
.content-block {
  max-width: 820px;
  margin-inline: auto;
}

.content-block p {
  margin-bottom: 1rem;
  color: #d5d5d5;
}

.content-block h2 {
  color: var(--gold-bright);
  font-size: 1.25rem;
  margin: 2rem 0 0.75rem;
}

.content-block ul,
.content-block ol {
  margin: 0 0 1rem 1.25rem;
  color: var(--grey);
}

.content-block li {
  margin-bottom: 0.45rem;
}

/* Service cards */
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.service-card {
  background: var(--black-soft);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-radius: 8px;
  padding: 2rem 1.5rem;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.service-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}

.service-card h3 {
  color: var(--gold-bright);
  margin-bottom: 0.75rem;
}

.service-card p {
  color: var(--grey);
  font-size: 0.92rem;
  margin-bottom: 1rem;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 2rem;
}

.process-step {
  text-align: center;
  padding: 1.25rem 1rem;
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.25);
  border-radius: 8px;
}

.process-step__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  color: var(--gold-bright);
  font-family: var(--font-en);
  font-weight: 700;
  margin-bottom: 0.65rem;
}

.process-step h3 {
  font-size: 0.95rem;
  color: var(--gold-pale);
  margin-bottom: 0.35rem;
}

.process-step p {
  font-size: 0.82rem;
  color: var(--grey);
}

/* Home quick links */
.quick-links {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
}

.quick-link-card {
  display: block;
  padding: 1.75rem 1.25rem;
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.25);
  border-radius: 8px;
  text-align: center;
  transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.quick-link-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: var(--shadow-gold);
  color: var(--gold-pale);
}

.quick-link-card h3 {
  color: var(--gold-bright);
  font-size: 1rem;
  margin-bottom: 0.5rem;
}

.quick-link-card p {
  font-size: 0.85rem;
  color: var(--grey);
}

/* Footer nav */
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem 1.25rem;
  padding-bottom: 0.5rem;
}

.footer-nav a {
  font-size: 0.88rem;
  color: var(--grey);
}

.footer-nav a:hover {
  color: var(--gold-bright);
}

/* Mobile sticky CTA */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 850;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: var(--charcoal);
  border-top: 1px solid var(--gold-dark);
}

.mobile-cta-bar a {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem;
  font-size: 0.85rem;
  font-weight: 600;
  text-align: center;
}

.mobile-cta-bar .btn-call {
  position: relative;
  border: none;
  overflow: hidden;
  isolation: isolate;
  background: linear-gradient(
    110deg,
    #9a7720 0%,
    #c9a227 18%,
    #f7ecc0 35%,
    #fff8dc 50%,
    #f7ecc0 65%,
    #c9a227 82%,
    #9a7720 100%
  );
  background-size: 220% 100%;
  animation: btnCallShimmer 3s ease-in-out infinite;
  color: #000;
  font-weight: 300;
  letter-spacing: 0.06em;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.45);
  box-shadow:
    inset 0 1px 4px rgba(255, 255, 255, 0.45),
    0 0 0 1px #e8c547,
    0 0 12px rgba(201, 162, 39, 0.25);
  transition: box-shadow var(--transition), filter var(--transition);
}

.mobile-cta-bar .btn-call::after {
  content: "";
  position: absolute;
  inset: 4px 16px auto;
  height: 40%;
  border-radius: 999px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.45) 0%, rgba(255, 255, 255, 0) 100%);
  pointer-events: none;
}

.mobile-cta-bar .btn-call:active {
  filter: brightness(0.98);
}

@keyframes btnCallShimmer {
  0%, 100% {
    background-position: 0% 50%;
    box-shadow:
      inset 0 1px 4px rgba(255, 255, 255, 0.45),
      0 0 0 1px #e8c547,
      0 0 10px rgba(201, 162, 39, 0.2);
  }
  50% {
    background-position: 100% 50%;
    box-shadow:
      inset 0 1px 6px rgba(255, 255, 255, 0.6),
      0 0 0 1px #f5e6a8,
      0 0 18px rgba(232, 197, 71, 0.55),
      0 0 28px rgba(201, 162, 39, 0.25);
  }
}

.mobile-cta-bar .btn-wa {
  background: var(--black);
  color: var(--gold-bright);
  border-left: 1px solid rgba(201, 162, 39, 0.3);
}

/* Focus & accessibility */
a:focus-visible,
button:focus-visible {
  outline: 2px solid var(--gold-bright);
  outline-offset: 2px;
}

@media (max-width: 992px) {
  .service-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .quick-links {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .site-header {
    top: 0;
  }

  .legal-banner {
    position: relative;
  }

  .mobile-cta-bar {
    display: grid;
  }

  body {
    padding-bottom: 52px;
  }

  .service-grid,
  .process-steps,
  .quick-links {
    grid-template-columns: 1fr;
  }

  .page-hero {
    padding: 2.5rem 0 2rem;
  }
}

@media (max-width: 600px) {
  .header-inner {
    flex-wrap: wrap;
  }

  .logo {
    width: clamp(140px, 40vw, 180px);
  }

  .site-header.is-scrolled .logo {
    width: clamp(90px, 28vw, 120px);
  }

  .legal-banner__zh,
  .legal-banner__en {
    font-size: 0.68rem;
  }
}

/* 網上申請表單 */
.apply-section {
  background: transparent;
}

.apply-form-wrap {
  max-width: 640px;
  margin-inline: auto;
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: 12px;
  padding: 2rem 2rem 2.25rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.apply-form-wrap.is-visible {
  border-color: rgba(201, 162, 39, 0.55);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.4), 0 0 24px rgba(201, 162, 39, 0.15);
}

.apply-form .form-row {
  margin-bottom: 1.25rem;
}

.apply-form label {
  display: block;
  color: var(--gold-bright);
  font-size: 0.9rem;
  margin-bottom: 0.4rem;
}

.apply-form label .required {
  color: #e8c547;
}

.apply-form input,
.apply-form select,
.apply-form textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border-radius: 8px;
  border: 1px solid rgba(201, 162, 39, 0.35);
  background: var(--black-soft);
  color: var(--white);
  font-family: var(--font-zh);
  font-size: 1rem;
}

.apply-form input:focus,
.apply-form select:focus,
.apply-form textarea:focus {
  outline: none;
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 2px rgba(201, 162, 39, 0.25);
}

.apply-form textarea {
  min-height: 100px;
  resize: vertical;
}

.apply-form input[type="file"] {
  padding: 0.5rem 0.75rem;
  line-height: 1.4;
}

.apply-form input[type="file"]::file-selector-button {
  margin-right: 0.75rem;
  padding: 0.45rem 0.8rem;
  border-radius: 999px;
  border: 1px solid rgba(201, 162, 39, 0.55);
  background: rgba(201, 162, 39, 0.16);
  color: var(--gold-pale);
  cursor: pointer;
}

.form-consent {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  font-size: 0.85rem;
  color: var(--grey);
  margin: 1.5rem 0;
}

.form-consent input {
  width: auto;
  margin-top: 0.25rem;
  flex-shrink: 0;
}

.apply-form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.5rem;
}

.apply-note {
  font-size: 0.82rem;
  color: var(--grey);
  margin-top: 1.25rem;
  line-height: 1.6;
}

/* Live Chat 浮動按鈕 */
.live-chat {
  position: fixed;
  bottom: 5.5rem;
  right: 1rem;
  z-index: 850;
}

@media (min-width: 769px) {
  .live-chat {
    bottom: 1.5rem;
  }
}

.live-chat__fab {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.15rem;
  border-radius: 999px;
  border: 3px solid #050505;
  background: linear-gradient(180deg, #f7ecc0 0%, #d4af37 50%, #9a7720 100%);
  color: #000;
  font-family: var(--font-en);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  cursor: pointer;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.5), 0 0 20px rgba(201, 162, 39, 0.35);
  transition: transform var(--transition), box-shadow var(--transition);
}

.live-chat__fab:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201, 162, 39, 0.45);
}

.live-chat__panel {
  position: absolute;
  bottom: calc(100% + 0.75rem);
  right: 0;
  width: min(280px, calc(100vw - 2rem));
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.4);
  border-radius: 12px;
  padding: 1.25rem;
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.6);
}

.live-chat__panel[hidden] {
  display: none;
}

.live-chat__title {
  color: var(--gold-bright);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.35rem;
}

.live-chat__desc {
  font-size: 0.85rem;
  color: var(--grey);
  margin-bottom: 1rem;
}

.live-chat__btn {
  display: block;
  width: 100%;
  margin-bottom: 0.5rem;
  text-align: center;
  font-size: 0.82rem;
  padding: 0.65rem 1rem;
}

.live-chat.is-open .live-chat__fab {
  box-shadow: 0 0 0 2px var(--gold-bright);
}

/* ---- Scroll reveal animations ---- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---- Hero dynamic effects ---- */
.hero-text .hero-eyebrow {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.1s both;
}

.hero-text .hero-title {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.25s both;
}

.hero-text .hero-tagline {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.4s both;
}

.hero-text .hero-desc {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.55s both;
}

.hero-text .hero-cta {
  animation: fadeSlideUp 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.7s both;
}

@keyframes fadeSlideUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hex-frame--animated::before {
  animation: hexPulse 4s ease-in-out infinite;
}

.hex-frame--animated .hero-logo {
  animation: logoFloat 5s ease-in-out infinite;
}

@keyframes hexPulse {
  0%, 100% {
    opacity: 0.5;
    box-shadow: 0 0 15px rgba(201, 162, 39, 0.25);
  }
  50% {
    opacity: 0.85;
    box-shadow: 0 0 35px rgba(201, 162, 39, 0.55);
  }
}

@keyframes logoFloat {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

.feature-card:hover,
.service-card:hover,
.quick-link-card:hover,
.stat-box:hover,
.faq-item:hover,
.contact-card:hover {
  transform: translateY(-6px);
}

.feature-card:hover .feature-icon {
  animation: iconPulse 0.6s ease;
}

@keyframes iconPulse {
  0%, 100% {
    transform: scale(1);
  }
  50% {
    transform: scale(1.12);
  }
}

/* ---- Block border shimmer ---- */
.feature-card,
.service-card,
.stat-box,
.faq-item,
.contact-card,
.quick-link-card,
.process-step,
.loan-calculator,
.apply-form-wrap,
.calc-result,
.footer-legal {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background: transparent;
}

.feature-card > *,
.service-card > *,
.stat-box > *,
.faq-item > *,
.contact-card > *,
.quick-link-card > *,
.process-step > *,
.loan-calculator > *,
.apply-form-wrap > *,
.calc-result > *,
.footer-legal > * {
  position: relative;
  z-index: 1;
}

.feature-card::after,
.service-card::after,
.stat-box::after,
.faq-item::after,
.contact-card::after,
.quick-link-card::after,
.process-step::after,
.loan-calculator::after,
.apply-form-wrap::after,
.calc-result::after,
.footer-legal::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  z-index: 0;
  pointer-events: none;
  background: linear-gradient(
    130deg,
    var(--black) 0%,
    var(--black-soft) 18%,
    var(--charcoal) 42%,
    var(--charcoal-light) 58%,
    var(--charcoal) 78%,
    var(--black-soft) 100%
  );
  background-size: 260% 260%;
  animation: blockBgShift 8s ease-in-out infinite;
}

.feature-card::before,
.service-card::before,
.stat-box::before,
.faq-item::before,
.contact-card::before,
.quick-link-card::before,
.process-step::before,
.loan-calculator::before,
.apply-form-wrap::before,
.calc-result::before,
.footer-legal::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(
    110deg,
    rgba(139, 105, 20, 0.25) 0%,
    rgba(201, 162, 39, 0.45) 20%,
    rgba(245, 230, 168, 0.95) 50%,
    rgba(201, 162, 39, 0.45) 80%,
    rgba(139, 105, 20, 0.25) 100%
  );
  background-size: 220% 100%;
  animation: borderShimmer 3.5s ease-in-out infinite;
  -webkit-mask:
    linear-gradient(#fff 0 0) content-box,
    linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask:
    linear-gradient(#fff 0 0) content-box,
    linear-gradient(#fff 0 0);
  mask-composite: exclude;
  pointer-events: none;
  z-index: 2;
}

.feature-card:nth-child(4n + 1)::before,
.service-card:nth-child(3n + 1)::before,
.stat-box:nth-child(3n + 1)::before,
.faq-item:nth-child(3n + 1)::before,
.contact-card:nth-child(3n + 1)::before,
.quick-link-card:nth-child(3n + 1)::before,
.process-step:nth-child(4n + 1)::before,
.calc-result:nth-child(3n + 1)::before,
.feature-card:nth-child(4n + 1)::after,
.service-card:nth-child(3n + 1)::after,
.stat-box:nth-child(3n + 1)::after,
.faq-item:nth-child(3n + 1)::after,
.contact-card:nth-child(3n + 1)::after,
.quick-link-card:nth-child(3n + 1)::after,
.process-step:nth-child(4n + 1)::after,
.calc-result:nth-child(3n + 1)::after,
.loan-calculator::after,
.apply-form-wrap::after,
.footer-legal::after {
  animation-delay: 0s;
}

.feature-card:nth-child(4n + 2)::before,
.service-card:nth-child(3n + 2)::before,
.stat-box:nth-child(3n + 2)::before,
.faq-item:nth-child(3n + 2)::before,
.contact-card:nth-child(3n + 2)::before,
.quick-link-card:nth-child(3n + 2)::before,
.process-step:nth-child(4n + 2)::before,
.calc-result:nth-child(3n + 2)::before,
.feature-card:nth-child(4n + 2)::after,
.service-card:nth-child(3n + 2)::after,
.stat-box:nth-child(3n + 2)::after,
.faq-item:nth-child(3n + 2)::after,
.contact-card:nth-child(3n + 2)::after,
.quick-link-card:nth-child(3n + 2)::after,
.process-step:nth-child(4n + 2)::after,
.calc-result:nth-child(3n + 2)::after {
  animation-delay: 0.6s;
}

.feature-card:nth-child(4n + 3)::before,
.service-card:nth-child(3n + 3)::before,
.stat-box:nth-child(3n + 3)::before,
.faq-item:nth-child(3n + 3)::before,
.contact-card:nth-child(3n + 3)::before,
.quick-link-card:nth-child(3n + 3)::before,
.process-step:nth-child(4n + 3)::before,
.calc-result:nth-child(3n + 3)::before,
.feature-card:nth-child(4n + 3)::after,
.service-card:nth-child(3n + 3)::after,
.stat-box:nth-child(3n + 3)::after,
.faq-item:nth-child(3n + 3)::after,
.contact-card:nth-child(3n + 3)::after,
.quick-link-card:nth-child(3n + 3)::after,
.process-step:nth-child(4n + 3)::after,
.calc-result:nth-child(3n + 3)::after {
  animation-delay: 1.2s;
}

.feature-card:nth-child(4n + 4)::before,
.process-step:nth-child(4n + 4)::before,
.feature-card:nth-child(4n + 4)::after,
.process-step:nth-child(4n + 4)::after {
  animation-delay: 1.8s;
}

.feature-card:hover::before,
.service-card:hover::before,
.stat-box:hover::before,
.faq-item:hover::before,
.contact-card:hover::before,
.quick-link-card:hover::before,
.process-step:hover::before,
.loan-calculator:hover::before,
.apply-form-wrap:hover::before,
.calc-result:hover::before,
.footer-legal:hover::before {
  animation-duration: 2s;
  opacity: 1;
}

.feature-card:hover::after,
.service-card:hover::after,
.stat-box:hover::after,
.faq-item:hover::after,
.contact-card:hover::after,
.quick-link-card:hover::after,
.process-step:hover::after,
.loan-calculator:hover::after,
.apply-form-wrap:hover::after,
.calc-result:hover::after,
.footer-legal:hover::after {
  animation-duration: 5.5s;
}

@keyframes blockBgShift {
  0%, 100% {
    background-position: 0% 40%;
  }
  50% {
    background-position: 100% 60%;
  }
}

@keyframes borderShimmer {
  0%, 100% {
    background-position: 0% 50%;
    opacity: 0.45;
    filter: drop-shadow(0 0 4px rgba(201, 162, 39, 0.2));
  }
  50% {
    background-position: 100% 50%;
    opacity: 1;
    filter: drop-shadow(0 0 10px rgba(232, 197, 71, 0.55));
  }
}

/* ---- Particle canvas ---- */
.particles-section {
  position: relative;
  overflow: hidden;
}

.particles-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 0;
  opacity: 0.95;
}

.particles-section > .container,
.particles-section > .hero-inner,
.particles-section > .page-hero__inner,
.particles-section > .hero-bg {
  position: relative;
  z-index: 1;
}

/* ---- Loan calculator ---- */
.loan-calculator-section {
  border-block: 1px solid rgba(201, 162, 39, 0.15);
}

.loan-calculator {
  max-width: 820px;
  margin-inline: auto;
  background: var(--charcoal);
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: 12px;
  padding: 2rem;
}

.loan-calculator__inputs {
  display: grid;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.calc-field label {
  display: block;
  color: var(--gold-bright);
  font-size: 0.9rem;
  margin-bottom: 0.5rem;
}

.calc-field__row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  align-items: center;
}

.calc-field input[type="range"] {
  width: 100%;
  accent-color: var(--gold);
  cursor: pointer;
}

.calc-field input[type="text"],
.calc-field select {
  width: 100%;
  min-width: 110px;
  padding: 0.65rem 0.85rem;
  border-radius: 8px;
  border: 1px solid rgba(201, 162, 39, 0.35);
  background: var(--black-soft);
  color: var(--white);
  font-family: var(--font-en);
  font-size: 1rem;
  text-align: right;
}

.calc-field select {
  text-align: left;
  font-family: var(--font-zh);
}

.calc-field__hint {
  display: block;
  font-size: 0.78rem;
  color: var(--grey);
  margin-top: 0.35rem;
}

.loan-calculator__results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.calc-result {
  text-align: center;
  padding: 1.25rem 0.75rem;
  background: var(--black-soft);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-radius: 8px;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.calc-result:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}

.calc-result__label {
  display: block;
  font-size: 0.82rem;
  color: var(--grey);
  margin-bottom: 0.4rem;
}

.calc-result__value {
  display: block;
  font-family: var(--font-en);
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  font-weight: 700;
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.loan-calculator__disclaimer {
  font-size: 0.82rem;
  color: var(--grey);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  text-align: center;
}

.loan-calculator__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

@media (max-width: 768px) {
  .loan-calculator__results {
    grid-template-columns: 1fr;
  }

  .calc-field__row {
    grid-template-columns: 1fr;
  }

  .calc-field input[type="text"] {
    text-align: left;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .hero-text .hero-eyebrow,
  .hero-text .hero-title,
  .hero-text .hero-tagline,
  .hero-text .hero-desc,
  .hero-text .hero-cta,
  .page-hero__inner .breadcrumb,
  .page-hero__inner .page-hero__title,
  .page-hero__inner .page-hero__desc,
  .hex-frame--animated::before,
  .hex-frame--animated .hero-logo {
    animation: none;
  }

  .feature-card::before,
  .service-card::before,
  .stat-box::before,
  .faq-item::before,
  .contact-card::before,
  .quick-link-card::before,
  .process-step::before,
  .loan-calculator::before,
  .apply-form-wrap::before,
  .calc-result::before,
  .footer-legal::before {
    animation: none;
    opacity: 0.35;
  }

  .feature-card::after,
  .service-card::after,
  .stat-box::after,
  .faq-item::after,
  .contact-card::after,
  .quick-link-card::after,
  .process-step::after,
  .loan-calculator::after,
  .apply-form-wrap::after,
  .calc-result::after,
  .footer-legal::after {
    animation: none;
    background-size: 100% 100%;
    background-position: 50% 50%;
  }

  .mobile-cta-bar .btn-call {
    animation: none;
    background-size: 100% 100%;
    background-position: 50% 50%;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}