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

:root {
  --black: #000000;
  --black-rich: #0D0D0D;
  --black-card: #111111;
  --black-light: #1A1A1A;
  --gold: #D4AF37;
  --gold-light: #F5E6A3;
  --gold-dark: #B8960C;
  --white: #FFFFFF;
  --white-70: rgba(255, 255, 255, 0.7);
  --white-40: rgba(255, 255, 255, 0.4);
  --white-15: rgba(255, 255, 255, 0.15);
  --gold-border: rgba(212, 175, 55, 0.3);
  --gold-border-hover: rgba(212, 175, 55, 0.8);
  --gold-glow: rgba(212, 175, 55, 0.15);
  --font-heading-en: 'Playfair Display', serif;
  --font-heading-cn: 'Noto Serif SC', serif;
  --font-body-en: 'Inter', sans-serif;
  --font-body-cn: 'Noto Sans SC', sans-serif;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body-cn), var(--font-body-en);
  background: linear-gradient(180deg, var(--black) 0%, var(--black-rich) 100%);
  color: var(--white);
  min-height: 100vh;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
  color: inherit;
}

input, select, textarea {
  font-family: inherit;
  outline: none;
}

/* ===== PRELOADER ===== */
#preloader {
  position: fixed;
  inset: 0;
  z-index: 9999;
  background: var(--black);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  transition: opacity 0.8s var(--ease), visibility 0.8s;
}

#preloader.hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.preloader-dial {
  position: relative;
  width: 220px;
  height: 220px;
}

.dial-svg {
  width: 100%;
  height: 100%;
}

.dial-pointer {
  transform-origin: 120px 120px;
  transition: none;
}

.preloader-percentage {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-heading-en);
  font-size: 36px;
  font-weight: 700;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold));
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmerText 2s linear infinite;
}

.preloader-bar-wrap {
  width: 260px;
  height: 2px;
  background: rgba(212, 175, 55, 0.15);
  margin-top: 40px;
  border-radius: 1px;
  overflow: hidden;
}

.preloader-bar {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-light));
  border-radius: 1px;
  transition: width 0.05s linear;
}

.preloader-label {
  margin-top: 20px;
  font-family: var(--font-body-en);
  font-size: 11px;
  letter-spacing: 4px;
  text-transform: uppercase;
  color: var(--white-40);
}

/* ===== SHIMMER EFFECTS ===== */
@keyframes shimmerText {
  0% { background-position: -200% center; }
  100% { background-position: 200% center; }
}

@keyframes shimmerBtn {
  0% { background-position: -200% center; }
  100% { background-position: 200% center; }
}

@keyframes pulseGlow {
  0%, 100% { box-shadow: 0 0 15px rgba(212, 175, 55, 0.2); }
  50% { box-shadow: 0 0 30px rgba(212, 175, 55, 0.4); }
}

@keyframes floatUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ===== HEADER ===== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 20px 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: linear-gradient(180deg, rgba(0,0,0,0.9) 0%, transparent 100%);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}

.header-logo {
  font-family: var(--font-heading-en);
  font-size: 22px;
  font-weight: 700;
  letter-spacing: 6px;
  color: var(--gold);
  text-transform: uppercase;
}

.header-logo span {
  font-weight: 400;
  color: var(--white-70);
  font-size: 13px;
  letter-spacing: 3px;
  margin-left: 12px;
}

.header-nav {
  display: flex;
  gap: 36px;
}

.header-nav a {
  font-size: 13px;
  letter-spacing: 1.5px;
  color: var(--white-70);
  transition: color 0.3s var(--ease);
  text-transform: uppercase;
  font-family: var(--font-body-en);
}

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

/* ===== MAIN CONTENT ===== */
#main-content {
  opacity: 0;
  transition: opacity 1s var(--ease);
  padding-bottom: 80px;
}

#main-content.visible {
  opacity: 1;
}

/* ===== HERO SECTION ===== */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 60px 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.04) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 80px;
  align-items: center;
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
}

.hero-text {
  animation: floatUp 1s var(--ease) 0.5s both;
}

.hero-badge {
  display: inline-block;
  font-family: var(--font-body-en);
  font-size: 11px;
  letter-spacing: 4px;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-border);
  padding: 8px 20px;
  margin-bottom: 32px;
}

.hero-title {
  font-family: var(--font-heading-en);
  font-size: 56px;
  font-weight: 700;
  letter-spacing: 8px;
  text-transform: uppercase;
  line-height: 1.1;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold), var(--gold-light), var(--gold-dark));
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmerText 4s linear infinite;
  margin-bottom: 16px;
}

.hero-subtitle {
  font-family: var(--font-heading-cn);
  font-size: 28px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 6px;
  margin-bottom: 24px;
}

.hero-tagline {
  font-family: var(--font-body-en);
  font-size: 15px;
  color: #B8B8B8;
  letter-spacing: 2px;
  line-height: 1.8;
}

.hero-tagline em {
  font-style: normal;
  color: var(--gold);
}

.hero-divider {
  width: 60px;
  height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
  margin: 28px 0;
}

.hero-desc {
  font-size: 14px;
  color: #D0D0D0;
  line-height: 1.8;
  max-width: 480px;
}

/* ===== CALCULATOR ===== */
.calculator {
  background: linear-gradient(145deg, rgba(13,13,13,0.95), rgba(17,17,17,0.98));
  border: 1px solid var(--gold-border);
  border-radius: 8px;
  padding: 40px;
  position: relative;
  animation: floatUp 1s var(--ease) 0.8s both;
}

.calculator::before {
  content: '';
  position: absolute;
  inset: -1px;
  border-radius: 8px;
  background: linear-gradient(135deg, rgba(212,175,55,0.2), transparent 50%, rgba(212,175,55,0.1));
  pointer-events: none;
  z-index: 0;
}

.calculator > * {
  position: relative;
  z-index: 1;
}

.calc-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 32px;
}

.calc-header svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}

.calc-title {
  font-family: var(--font-heading-cn);
  font-size: 16px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 2px;
}

.calc-group {
  margin-bottom: 28px;
}

.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 14px;
}

.calc-label-text {
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  font-family: var(--font-body-en);
}

.calc-label-value {
  font-family: var(--font-heading-en);
  font-size: 24px;
  font-weight: 600;
  color: var(--gold);
}

/* Range Slider */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 3px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--gold) 25%, rgba(212,175,55,0.15) 25%);
  outline: none;
  margin: 8px 0;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  box-shadow: 0 0 12px rgba(212, 175, 55, 0.5), 0 0 4px rgba(212, 175, 55, 0.8);
  transition: box-shadow 0.3s var(--ease);
}

.calc-slider::-webkit-slider-thumb:hover {
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.7), 0 0 6px rgba(212, 175, 55, 1);
}

.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: none;
  box-shadow: 0 0 12px rgba(212, 175, 55, 0.5);
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.55);
  font-family: var(--font-body-en);
  margin-top: 6px;
}

/* Term Buttons */
.calc-terms {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}

.calc-term-btn {
  padding: 12px 0;
  font-size: 13px;
  font-family: var(--font-body-cn);
  letter-spacing: 1px;
  color: #B0B0B0;
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
}

.calc-term-btn:hover {
  border-color: rgba(212, 175, 55, 0.5);
  color: #E0D5A8;
  background: rgba(212, 175, 55, 0.06);
  box-shadow: 0 0 12px rgba(212, 175, 55, 0.08);
}

.calc-term-btn.active {
  background: rgba(212, 175, 55, 0.1);
  border-color: var(--gold);
  color: var(--gold);
}

/* Results */
.calc-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 28px 0;
  padding: 24px;
  background: rgba(0, 0, 0, 0.4);
  border-radius: 6px;
  border: 1px solid rgba(212, 175, 55, 0.08);
}

.calc-result-item {
  text-align: center;
}

.calc-result-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 8px;
  font-family: var(--font-body-en);
}

.calc-result-value {
  font-family: var(--font-heading-en);
  font-size: 26px;
  font-weight: 700;
  color: var(--gold);
}

.calc-result-value small {
  font-size: 14px;
  font-weight: 400;
  color: rgba(255, 255, 255, 0.55);
  margin-left: 4px;
}

/* Apply Button */
.calc-apply-btn {
  width: 100%;
  padding: 16px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--black);
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold), var(--gold-light), var(--gold-dark));
  background-size: 200% auto;
  animation: shimmerBtn 3s linear infinite;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  font-family: var(--font-body-cn);
}

.calc-apply-btn:hover {
  box-shadow: 0 0 30px rgba(212, 175, 55, 0.3);
  transform: translateY(-1px);
}

/* ===== SECTION COMMON ===== */
.section {
  padding: 100px 60px;
  max-width: 1400px;
  margin: 0 auto;
}

.section-label {
  font-family: var(--font-body-en);
  font-size: 11px;
  letter-spacing: 5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  font-family: var(--font-heading-cn);
  font-size: 32px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 4px;
  margin-bottom: 16px;
}

.section-desc {
  font-size: 14px;
  color: #C0C0C0;
  line-height: 1.8;
  max-width: 600px;
  margin-bottom: 60px;
}

.gold-line {
  width: 40px;
  height: 1px;
  background: var(--gold);
  margin: 20px 0 24px;
}

/* ===== CREDIT CARDS ===== */
.credit-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.credit-card {
  background: linear-gradient(145deg, var(--black-card), var(--black-light));
  border: 1px solid rgba(212, 175, 55, 0.15);
  border-radius: 6px;
  padding: 40px;
  position: relative;
  overflow: hidden;
  transition: all 0.5s var(--ease);
  box-shadow: 0 0 15px rgba(212, 175, 55, 0.04);
}

/* 顶部金色高亮线 */
.credit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.5s var(--ease);
  z-index: 2;
}

/* 表面金色流光折射伪元素 */
.credit-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: -150%;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(212, 175, 55, 0.12), rgba(245, 230, 163, 0.08), transparent);
  transform: skewX(-25deg);
  animation: cardGoldShimmer 4s infinite ease-in-out;
  z-index: 1;
}

/* 四张卡片流光交错：分别延迟 */
.credit-card:nth-child(1)::after { animation-delay: 0s; }
.credit-card:nth-child(2)::after { animation-delay: 1s; }
.credit-card:nth-child(3)::after { animation-delay: 2s; }
.credit-card:nth-child(4)::after { animation-delay: 3s; }

@keyframes cardGoldShimmer {
  0% { left: -150%; }
  35% { left: 150%; }
  100% { left: 150%; }
}

.credit-card:hover {
  border-color: var(--gold-border-hover);
  transform: translateY(-4px);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.5), 0 0 30px rgba(212, 175, 55, 0.12);
}

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

.credit-card:hover::after {
  animation-duration: 2.5s;
  background: linear-gradient(90deg, transparent, rgba(212, 175, 55, 0.22), rgba(245, 230, 163, 0.14), transparent);
}

.credit-tier {
  font-family: var(--font-body-en);
  font-size: 10px;
  letter-spacing: 4px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.credit-tier::before {
  content: '';
  width: 16px;
  height: 1px;
  background: var(--gold);
}

.credit-name-cn {
  font-family: var(--font-heading-cn);
  font-size: 22px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 2px;
  margin-bottom: 4px;
}

.credit-name-en {
  font-family: var(--font-heading-en);
  font-size: 14px;
  color: #A8A8A8;
  letter-spacing: 2px;
  margin-bottom: 20px;
}

.credit-amount {
  font-family: var(--font-heading-en);
  font-size: 20px;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 16px;
}

.credit-desc {
  font-size: 13px;
  color: #C8C8C8;
  line-height: 1.8;
  margin-bottom: 28px;
}

.credit-features {
  list-style: none;
  margin-bottom: 32px;
}

.credit-features li {
  font-size: 13px;
  color: var(--white-70);
  padding: 6px 0;
  display: flex;
  align-items: center;
  gap: 10px;
}

.credit-features li::before {
  content: '';
  width: 4px;
  height: 4px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.credit-apply-btn {
  display: inline-block;
  padding: 12px 32px;
  font-size: 12px;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-border);
  border-radius: 3px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  font-family: var(--font-body-en);
  background: transparent;
}

.credit-apply-btn:hover {
  background: rgba(212, 175, 55, 0.1);
  border-color: var(--gold);
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.15);
}

/* ===== TRUST SECTION ===== */
.trust-section {
  border-top: 1px solid rgba(212, 175, 55, 0.08);
  border-bottom: 1px solid rgba(212, 175, 55, 0.08);
  background: linear-gradient(180deg, rgba(0,0,0,0.5), rgba(13,13,13,0.5));
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.trust-icon {
  width: 48px;
  height: 48px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.2;
  opacity: 0.8;
}

.trust-title {
  font-family: var(--font-body-en);
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--white-70);
}

.trust-desc {
  font-size: 12px;
  color: #B8B8B8;
  line-height: 1.6;
}

/* ===== FOOTER ===== */
.site-footer {
  padding: 60px 60px 100px;
  border-top: 1px solid rgba(212, 175, 55, 0.08);
  max-width: 1400px;
  margin: 0 auto;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 40px;
}

.footer-brand {
  font-family: var(--font-heading-en);
  font-size: 18px;
  letter-spacing: 6px;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 12px;
}

.footer-tagline {
  font-size: 12px;
  color: var(--white-40);
  letter-spacing: 1px;
}

.footer-badges {
  display: flex;
  gap: 24px;
  align-items: center;
}

.footer-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body-en);
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--white-40);
  border: 1px solid rgba(212, 175, 55, 0.15);
  padding: 8px 16px;
  border-radius: 3px;
}

.footer-badge svg {
  width: 16px;
  height: 16px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 11px;
  color: var(--white-40);
  display: flex;
  justify-content: space-between;
  letter-spacing: 0.5px;
}

/* ===== BOTTOM NAV BAR ===== */
.bottom-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: linear-gradient(180deg, rgba(0,0,0,0.95), rgba(0,0,0,0.98));
  border-top: 1px solid rgba(212, 175, 55, 0.2);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  padding: 0 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 64px;
}

.bottom-bar-inner {
  display: flex;
  align-items: center;
  gap: 0;
  max-width: 800px;
  width: 100%;
  justify-content: space-around;
}

.bottom-bar-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  cursor: pointer;
  padding: 8px 24px;
  transition: all 0.3s var(--ease);
  border-radius: 4px;
}

.bottom-bar-item:hover {
  background: rgba(212, 175, 55, 0.06);
}

.bottom-bar-item svg {
  width: 20px;
  height: 20px;
  stroke: var(--white-40);
  fill: none;
  stroke-width: 1.5;
  transition: stroke 0.3s var(--ease);
}

.bottom-bar-item span {
  font-size: 10px;
  letter-spacing: 1.5px;
  color: #B0B0B0;
  transition: color 0.3s var(--ease);
  font-family: var(--font-body-cn);
}

.bottom-bar-item:hover svg,
.bottom-bar-item.active svg {
  stroke: var(--gold);
}

.bottom-bar-item:hover span,
.bottom-bar-item.active span {
  color: var(--gold);
}

/* ===== MODALS ===== */
.modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: rgba(0, 0, 0, 0.85);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all 0.4s var(--ease);
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal {
  background: linear-gradient(145deg, var(--black-card), var(--black-rich));
  border: 1px solid var(--gold-border);
  border-radius: 8px;
  padding: 48px;
  width: 440px;
  max-width: 90vw;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  transform: translateY(20px) scale(0.97);
  transition: transform 0.4s var(--ease);
}

.modal-overlay.active .modal {
  transform: translateY(0) scale(1);
}

.modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--white-40);
  font-size: 20px;
  transition: color 0.3s var(--ease);
}

.modal-close:hover {
  color: var(--gold);
}

.modal-title {
  font-family: var(--font-heading-cn);
  font-size: 22px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.modal-subtitle {
  font-size: 12px;
  color: #B8B8B8;
  line-height: 1.6;
  margin-bottom: 32px;
}

/* Auth Tabs */
.auth-tabs {
  display: flex;
  gap: 0;
  margin-bottom: 28px;
  border-bottom: 1px solid rgba(212, 175, 55, 0.1);
}

.auth-tab {
  flex: 1;
  padding: 12px 0;
  font-size: 13px;
  letter-spacing: 2px;
  color: #A0A0A0;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  background: none;
  font-family: var(--font-body-cn);
}

.auth-tab.active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

/* Form Fields */
.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 8px;
  font-family: var(--font-body-en);
}

.form-input {
  width: 100%;
  padding: 14px 16px;
  background: rgba(0, 0, 0, 0.4);
  border: 1px solid rgba(212, 175, 55, 0.15);
  border-radius: 4px;
  color: var(--white);
  font-size: 14px;
  transition: border-color 0.3s var(--ease);
  font-family: var(--font-body-en);
}

.form-input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 10px rgba(212, 175, 55, 0.1);
}

.form-input::placeholder {
  color: var(--white-40);
}

.form-submit {
  width: 100%;
  padding: 14px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--black);
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold));
  background-size: 200% auto;
  animation: shimmerBtn 3s linear infinite;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  margin-top: 8px;
  transition: all 0.3s var(--ease);
  font-family: var(--font-body-cn);
}

.form-submit:hover {
  box-shadow: 0 0 25px rgba(212, 175, 55, 0.3);
}

.form-divider {
  text-align: center;
  margin: 20px 0;
  position: relative;
}

.form-divider::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  height: 1px;
  background: rgba(212, 175, 55, 0.1);
}

.form-divider span {
  position: relative;
  background: var(--black-card);
  padding: 0 16px;
  font-size: 11px;
  color: var(--white-40);
  letter-spacing: 2px;
}

/* ===== WELCOME MARKETING MODAL ===== */
.financial-welcome-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(0, 0, 0, 0.85);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 100050;
  display: flex;
  justify-content: center;
  align-items: center;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

.financial-welcome-modal.active {
  opacity: 1;
  visibility: visible;
}

.financial-welcome-modal.closing {
  opacity: 0;
}

.fin-modal-content {
  position: relative;
  background: #0B0B0B;
  padding: 50px 44px;
  border-radius: 16px;
  border: 1px solid #D4AF37;
  text-align: center;
  width: 520px;
  max-width: 90vw;
  box-shadow: 0 0 40px rgba(212, 175, 55, 0.15), 0 0 80px rgba(212, 175, 55, 0.05);
  overflow: hidden;
  transform: scale(0.9) translateY(20px);
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.financial-welcome-modal.active .fin-modal-content {
  transform: scale(1) translateY(0);
}

.fin-modal-border-glow {
  position: absolute;
  top: -1px;
  left: -1px;
  right: -1px;
  bottom: -1px;
  border-radius: 16px;
  border: 1px solid rgba(212, 175, 55, 0.4);
  pointer-events: none;
  animation: borderGlow 3s ease-in-out infinite;
}

@keyframes borderGlow {
  0%, 100% { border-color: rgba(212, 175, 55, 0.3); box-shadow: inset 0 0 20px rgba(212, 175, 55, 0.05); }
  50% { border-color: rgba(212, 175, 55, 0.7); box-shadow: inset 0 0 30px rgba(212, 175, 55, 0.1); }
}

.fin-title {
  font-family: var(--font-cn-heading);
  font-size: 26px;
  font-weight: 600;
  color: #D4AF37;
  margin-bottom: 28px;
  letter-spacing: 2px;
  text-shadow: 0 0 20px rgba(212, 175, 55, 0.3);
}

.fin-desc {
  font-family: var(--font-cn-body);
  font-size: 15px;
  color: #B8B8B8;
  line-height: 1.8;
  margin-bottom: 16px;
  letter-spacing: 0.5px;
}

.highlight-white {
  color: #FFFFFF;
  font-weight: 600;
  text-shadow: 0 0 8px rgba(255, 255, 255, 0.2);
}

.fin-core-focus {
  font-family: var(--font-cn-body);
  font-size: 18px;
  font-weight: 600;
  color: #FFB800;
  line-height: 1.7;
  margin: 28px 0 32px;
  padding: 18px 20px;
  background: rgba(255, 184, 0, 0.06);
  border: 1px solid rgba(255, 184, 0, 0.2);
  border-radius: 10px;
  text-shadow: 0 0 15px rgba(255, 184, 0, 0.4), 0 0 30px rgba(255, 184, 0, 0.15);
  letter-spacing: 1px;
}

.fin-btn-close {
  display: block;
  width: 100%;
  padding: 16px 32px;
  background: linear-gradient(135deg, #D4AF37, #F5E6A3, #D4AF37);
  background-size: 200% auto;
  color: #000;
  border: none;
  border-radius: 8px;
  font-family: var(--font-cn-body);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 3px;
  cursor: pointer;
  transition: all 0.3s ease;
  animation: btnBreath 2.5s ease-in-out infinite;
}

.fin-btn-close:hover {
  background-position: right center;
  box-shadow: 0 0 25px rgba(212, 175, 55, 0.5);
  transform: translateY(-1px);
}

@keyframes btnBreath {
  0%, 100% { box-shadow: 0 0 15px rgba(212, 175, 55, 0.3); }
  50% { box-shadow: 0 0 30px rgba(212, 175, 55, 0.6); }
}

/* ===== LOAN APPLICATION MODAL ===== */
.modal-wide {
  width: 520px;
}

/* Disbursement Tabs */
.disbursement-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.disbursement-tab {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 12px;
  font-size: 12px;
  font-family: var(--font-body-cn);
  letter-spacing: 0.5px;
  color: #A0A0A0;
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
}

.disbursement-tab svg {
  flex-shrink: 0;
}

.disbursement-tab:hover {
  border-color: rgba(212, 175, 55, 0.4);
  color: #C8C8C8;
  background: rgba(212, 175, 55, 0.04);
}

.disbursement-tab.active {
  background: rgba(212, 175, 55, 0.08);
  border-color: var(--gold);
  color: var(--gold);
}

/* Loan Submit Button */
.loan-submit-btn {
  margin-top: 8px;
  letter-spacing: 2px;
}

/* ===== SUCCESS MODAL ===== */
.modal-success {
  width: 480px;
  text-align: center;
  padding: 56px 48px;
}

.success-icon {
  margin-bottom: 28px;
  animation: successPulse 2s ease-in-out infinite;
}

@keyframes successPulse {
  0%, 100% { filter: drop-shadow(0 0 8px rgba(212, 175, 55, 0.3)); }
  50% { filter: drop-shadow(0 0 20px rgba(212, 175, 55, 0.6)); }
}

.success-title {
  font-family: var(--font-heading-cn);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: 2px;
  margin-bottom: 24px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold));
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmerText 3s linear infinite;
}

.success-body {
  text-align: left;
  margin-bottom: 28px;
}

.success-body p {
  font-size: 13px;
  color: #C8C8C8;
  line-height: 1.9;
  margin-bottom: 12px;
}

.success-body p:last-child {
  margin-bottom: 0;
}

.success-body strong {
  color: var(--gold);
  font-weight: 600;
}

.success-divider {
  width: 40px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  margin: 0 auto 28px;
}

/* ===== LANGUAGE SELECTOR ===== */
.lang-selector {
  position: relative;
  margin-left: 20px;
}

.lang-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  border: 1px solid rgba(212, 175, 55, 0.3);
  color: #B0B0B0;
  padding: 6px 14px;
  font-family: var(--font-en);
  font-size: 12px;
  letter-spacing: 1px;
  cursor: pointer;
  transition: all 0.3s ease;
  border-radius: 4px;
}

.lang-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.lang-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: #0D0D0D;
  border: 1px solid rgba(212, 175, 55, 0.3);
  border-radius: 8px;
  padding: 6px 0;
  min-width: 160px;
  display: none;
  z-index: 200;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.6);
}

.lang-dropdown.open {
  display: block;
}

.lang-dropdown button {
  display: block;
  width: 100%;
  padding: 10px 18px;
  background: transparent;
  border: none;
  color: #B0B0B0;
  font-family: var(--font-en);
  font-size: 13px;
  text-align: left;
  cursor: pointer;
  transition: all 0.2s ease;
}

.lang-dropdown button:hover {
  background: rgba(212, 175, 55, 0.1);
  color: var(--gold);
}

.lang-dropdown button.active {
  color: var(--gold);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 50px;
  }

  .hero {
    padding: 120px 40px 60px;
  }

  .hero-title {
    font-size: 42px;
    letter-spacing: 5px;
  }

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

  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
  }

  .section {
    padding: 80px 40px;
  }

  .site-header {
    padding: 16px 30px;
  }

  .header-nav {
    display: none;
  }
}

@media (max-width: 768px) {
  .hero {
    padding: 100px 24px 40px;
    min-height: auto;
  }

  .hero-title {
    font-size: 30px;
    letter-spacing: 3px;
  }

  .hero-subtitle {
    font-size: 20px;
    letter-spacing: 3px;
  }

  .calculator {
    padding: 28px 20px;
  }

  .calc-results {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .calc-result-value {
    font-size: 22px;
  }

  .section {
    padding: 60px 24px;
  }

  .section-title {
    font-size: 24px;
    letter-spacing: 2px;
  }

  .credit-card {
    padding: 28px 24px;
  }

  .trust-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

  .site-footer {
    padding: 40px 24px 100px;
  }

  .footer-top {
    flex-direction: column;
    gap: 24px;
  }

  .footer-badges {
    flex-wrap: wrap;
    gap: 12px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 8px;
  }

  .bottom-bar {
    padding: 0 16px;
  }

  .bottom-bar-item {
    padding: 8px 12px;
  }

  .modal {
    padding: 32px 24px;
  }

  .modal-wide,
  .modal-success {
    width: 95vw;
    max-width: 520px;
  }

  .disbursement-tabs {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .disbursement-tab {
    font-size: 11px;
    padding: 12px 10px;
  }

  .success-title {
    font-size: 18px;
  }

  .fin-modal-content {
    padding: 36px 24px;
  }

  .fin-title {
    font-size: 22px;
  }

  .fin-core-focus {
    font-size: 15px;
    padding: 14px 16px;
  }

  .modal-success {
    padding: 40px 24px;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 24px;
    letter-spacing: 2px;
  }

  .hero-subtitle {
    font-size: 18px;
    letter-spacing: 2px;
  }

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

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