/* ============================================================
   LUSARO BANK — CSS Principal
   Palette: Navy #0d2e5c | Green #16a34a | Gold #c9a227
   Fonts: Playfair Display + DM Sans
   ============================================================ */

:root {
  --lb-navy:   #0d2e5c;
  --lb-navy2:  #1a4a8a;
  --lb-green:  #16a34a;
  --lb-green2: #15803d;
  --lb-gold:   #c9a227;
  --lb-white:  #ffffff;
  --lb-gray1:  #f9fafb;
  --lb-gray2:  #f3f4f6;
  --lb-gray3:  #e5e7eb;
  --lb-gray4:  #6b7280;
  --lb-dark:   #111827;
  --lb-radius: 12px;
  --lb-shadow: 0 4px 24px rgba(13,46,92,0.10);
  --lb-shadow-lg: 0 12px 48px rgba(13,46,92,0.18);
  --lb-font-serif: 'Playfair Display', Georgia, serif;
  --lb-font-sans:  'DM Sans', 'Segoe UI', Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--lb-font-sans); color: var(--lb-dark); line-height: 1.6; background: #fff; }

/* ---- CONTAINERS ---- */
.lb-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.lb-section { padding: 80px 0; }

/* ---- HEADER ---- */
.lb-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 999;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--lb-gray3);
  box-shadow: 0 2px 16px rgba(13,46,92,0.06);
  transition: all 0.3s;
}
.lb-header.lb-scrolled { box-shadow: var(--lb-shadow); }
.lb-header-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 24px; height: 72px;
}
.lb-logo img { display: block; }
.lb-nav { display: flex; align-items: center; gap: 4px; }
.lb-nav-link {
  color: var(--lb-navy); font-size: 14px; font-weight: 500;
  text-decoration: none; padding: 8px 14px; border-radius: 8px;
  transition: all 0.2s;
}
.lb-nav-link:hover { background: var(--lb-gray2); color: var(--lb-green); }
.lb-nav-toggle { display: none; background: none; border: none; font-size: 24px; cursor: pointer; color: var(--lb-navy); }

/* ---- BUTTONS ---- */
.lb-btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 12px 28px; border-radius: 8px;
  font-family: var(--lb-font-sans); font-size: 15px; font-weight: 600;
  text-decoration: none; border: 2px solid transparent;
  cursor: pointer; transition: all 0.25s; letter-spacing: 0.2px;
}
.lb-btn-primary {
  background: linear-gradient(135deg, var(--lb-green), var(--lb-green2));
  color: #fff; border-color: var(--lb-green);
}
.lb-btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(22,163,74,0.35); background: var(--lb-green2); }
.lb-btn-outline { background: transparent; color: var(--lb-navy); border-color: var(--lb-navy); }
.lb-btn-outline:hover { background: var(--lb-navy); color: #fff; transform: translateY(-2px); }
.lb-btn-white { background: #fff; color: var(--lb-navy); border-color: #fff; }
.lb-btn-white:hover { background: var(--lb-gray2); transform: translateY(-2px); }
.lb-btn-sm { padding: 8px 20px; font-size: 13px; }
.lb-btn-lg { padding: 16px 36px; font-size: 16px; }
.lb-btn-full { width: 100%; }

/* ---- HERO ---- */
.lb-hero {
  min-height: 92vh; display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding: 100px 0 60px; margin-top: 72px;
}
.lb-hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--lb-navy) 0%, #1a4a8a 55%, #0f5132 100%);
}
.lb-hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.lb-hero-content {
  position: relative; z-index: 2;
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  width: 100%;
}
.lb-hero-badge {
  display: inline-block; background: rgba(255,255,255,0.12);
  backdrop-filter: blur(8px); color: rgba(255,255,255,0.9);
  padding: 8px 20px; border-radius: 50px; font-size: 13px; font-weight: 500;
  border: 1px solid rgba(255,255,255,0.2); margin-bottom: 24px;
}
.lb-hero-title {
  font-family: var(--lb-font-serif); font-size: clamp(36px, 5vw, 58px);
  font-weight: 700; color: #fff; line-height: 1.15; margin-bottom: 20px;
}
.lb-gradient-text {
  background: linear-gradient(135deg, #4ade80, var(--lb-gold));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
}
.lb-hero-sub { color: rgba(255,255,255,0.75); font-size: 17px; line-height: 1.7; margin-bottom: 36px; }
.lb-hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.lb-hero-stats {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 16px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.lb-stat { text-align: center; }
.lb-stat-num { display: block; font-family: var(--lb-font-serif); font-size: 28px; font-weight: 700; color: var(--lb-gold); }
.lb-stat-label { font-size: 12px; color: rgba(255,255,255,0.65); display: block; }
.lb-hero-img { position: relative; display: flex; justify-content: flex-end; }
.lb-hero-img img { max-width: 100%; height: auto; border-radius: 16px; box-shadow: var(--lb-shadow-lg); }

/* ---- SECTION HEADERS ---- */
.lb-section-header { text-align: center; margin-bottom: 56px; }
.lb-section-tag {
  display: inline-block; background: #ecfdf5; color: var(--lb-green);
  font-size: 12px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  padding: 6px 16px; border-radius: 50px; margin-bottom: 16px; border: 1px solid #d1fae5;
}
.lb-section-header h2 { font-family: var(--lb-font-serif); font-size: clamp(28px,4vw,42px); color: var(--lb-navy); }
.lb-section-header h2 em { font-style: italic; color: var(--lb-green); }

/* ---- CARDS GRID ---- */
.lb-services-preview { background: var(--lb-gray1); padding: 80px 0; }
.lb-cards-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.lb-card {
  background: #fff; border-radius: var(--lb-radius); padding: 32px 24px;
  border: 1px solid var(--lb-gray3); transition: all 0.3s;
  position: relative; overflow: hidden;
}
.lb-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--lb-green), var(--lb-navy));
  transform: scaleX(0); transition: transform 0.3s;
}
.lb-card:hover { box-shadow: var(--lb-shadow-lg); transform: translateY(-6px); }
.lb-card:hover::before { transform: scaleX(1); }
.lb-card-icon { font-size: 40px; margin-bottom: 16px; }
.lb-card h3 { font-family: var(--lb-font-serif); font-size: 20px; color: var(--lb-navy); margin-bottom: 12px; }
.lb-card p { color: var(--lb-gray4); font-size: 14px; line-height: 1.6; margin-bottom: 20px; }

/* ---- WHY US ---- */
.lb-why-us { padding: 80px 0; }
.lb-why-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.lb-why-img img { width: 100%; border-radius: 16px; box-shadow: var(--lb-shadow-lg); }
.lb-why-content h2 { font-family: var(--lb-font-serif); font-size: 36px; color: var(--lb-navy); margin-bottom: 28px; }
.lb-why-content h2 em { font-style: italic; color: var(--lb-green); }
.lb-checklist { list-style: none; margin-bottom: 32px; }
.lb-checklist li { padding: 10px 0; font-size: 15px; color: var(--lb-dark); border-bottom: 1px solid var(--lb-gray3); }
.lb-checklist li:last-child { border-bottom: none; }

/* ---- TESTIMONIALS ---- */
.lb-trust-section { background: var(--lb-navy); padding: 80px 0; }
.lb-trust-section .lb-section-tag { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.2); }
.lb-trust-section .lb-section-header h2 { color: #fff; }
.lb-testimonials { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.lb-testimonial {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--lb-radius); padding: 32px;
}
.lb-stars { color: var(--lb-gold); font-size: 18px; margin-bottom: 16px; }
.lb-testimonial p { color: rgba(255,255,255,0.85); font-size: 15px; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.lb-author { color: rgba(255,255,255,0.6); font-size: 13px; }

/* ---- CTA BANNER ---- */
.lb-cta-banner { background: linear-gradient(135deg, var(--lb-green), var(--lb-green2)); padding: 60px 0; }
.lb-cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.lb-cta-inner h2 { font-family: var(--lb-font-serif); font-size: 30px; color: #fff; }
.lb-cta-inner p { color: rgba(255,255,255,0.85); margin-top: 8px; }

/* ---- PAGE HERO ---- */
.lb-page-hero { background: linear-gradient(135deg, var(--lb-navy), var(--lb-navy2)); padding: 120px 0 60px; margin-top: 72px; }
.lb-page-hero .lb-section-tag { background: rgba(255,255,255,0.12); color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.2); }
.lb-page-hero h1 { font-family: var(--lb-font-serif); font-size: clamp(30px,4vw,48px); color: #fff; margin: 16px 0; max-width: 700px; }
.lb-page-hero h1 em { font-style: italic; color: #4ade80; }
.lb-page-hero p { color: rgba(255,255,255,0.75); font-size: 17px; max-width: 600px; }

/* ---- ABOUT ---- */
.lb-two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; margin-bottom: 60px; }
.lb-two-col h2 { font-family: var(--lb-font-serif); font-size: 32px; color: var(--lb-navy); margin-bottom: 20px; }
.lb-two-col p { color: var(--lb-gray4); line-height: 1.8; margin-bottom: 16px; }
.lb-img-rounded { width: 100%; border-radius: 16px; box-shadow: var(--lb-shadow-lg); }
.lb-values-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.lb-value-card { background: var(--lb-gray1); border-radius: var(--lb-radius); padding: 28px 20px; border: 1px solid var(--lb-gray3); text-align: center; }
.lb-value-icon { font-size: 32px; margin-bottom: 12px; }
.lb-value-card h3 { font-family: var(--lb-font-serif); font-size: 18px; color: var(--lb-navy); margin-bottom: 8px; }
.lb-value-card p { font-size: 14px; color: var(--lb-gray4); }

/* ---- SERVICES ---- */
.lb-service-detail { display: grid; grid-template-columns: 100px 1fr; gap: 40px; align-items: start; padding: 48px 0; border-bottom: 1px solid var(--lb-gray3); }
.lb-service-detail:last-child { border-bottom: none; }
.lb-service-reverse { direction: rtl; }
.lb-service-reverse > * { direction: ltr; }
.lb-service-icon-lg { font-size: 64px; text-align: center; }
.lb-service-detail h2 { font-family: var(--lb-font-serif); font-size: 28px; color: var(--lb-navy); margin-bottom: 16px; }
.lb-service-detail p { color: var(--lb-gray4); line-height: 1.7; margin-bottom: 20px; }
.lb-feature-list { list-style: none; margin-bottom: 28px; }
.lb-feature-list li { padding: 8px 0 8px 24px; position: relative; font-size: 15px; }
.lb-feature-list li::before { content: '✓'; position: absolute; left: 0; color: var(--lb-green); font-weight: 700; }

/* ---- BLOG ---- */
.lb-blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.lb-blog-card { background: #fff; border-radius: var(--lb-radius); overflow: hidden; border: 1px solid var(--lb-gray3); transition: all 0.3s; }
.lb-blog-card:hover { box-shadow: var(--lb-shadow-lg); transform: translateY(-4px); }
.lb-blog-img img { width: 100%; height: 200px; object-fit: cover; display: block; }
.lb-blog-body { padding: 24px; }
.lb-blog-date { font-size: 12px; color: var(--lb-gray4); display: block; margin-bottom: 8px; }
.lb-blog-card h3 { font-family: var(--lb-font-serif); font-size: 18px; margin-bottom: 10px; }
.lb-blog-card h3 a { color: var(--lb-navy); text-decoration: none; }
.lb-blog-card h3 a:hover { color: var(--lb-green); }
.lb-blog-card p { color: var(--lb-gray4); font-size: 14px; line-height: 1.6; margin-bottom: 16px; }

/* ---- CONTACT ---- */
.lb-contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; }
.lb-contact-info { display: flex; flex-direction: column; gap: 20px; }
.lb-info-card { display: flex; gap: 16px; align-items: flex-start; background: var(--lb-gray1); border-radius: var(--lb-radius); padding: 20px; border: 1px solid var(--lb-gray3); }
.lb-info-icon { font-size: 24px; flex-shrink: 0; }
.lb-info-card strong { display: block; color: var(--lb-navy); font-size: 14px; font-weight: 700; margin-bottom: 4px; }
.lb-info-card p, .lb-info-card a { color: var(--lb-gray4); font-size: 14px; text-decoration: none; }
.lb-info-card a:hover { color: var(--lb-green); }

/* ---- FORMS ---- */
.lb-form { display: flex; flex-direction: column; gap: 20px; }
.lb-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.lb-form-group { display: flex; flex-direction: column; gap: 6px; }
.lb-form-group label { font-size: 13px; font-weight: 600; color: var(--lb-navy); }
.lb-form-group input,
.lb-form-group select,
.lb-form-group textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--lb-gray3);
  border-radius: 8px; font-family: var(--lb-font-sans); font-size: 15px;
  color: var(--lb-dark); background: #fff; transition: all 0.2s; outline: none;
}
.lb-form-group input:focus,
.lb-form-group select:focus,
.lb-form-group textarea:focus { border-color: var(--lb-green); box-shadow: 0 0 0 3px rgba(22,163,74,0.1); }
.lb-form-group textarea { resize: vertical; min-height: 120px; }
.lb-form-section-title {
  font-size: 16px; font-weight: 700; color: var(--lb-navy);
  padding: 16px 0 8px; border-bottom: 2px solid var(--lb-green);
  margin-top: 8px;
}
.lb-form-remember { display: flex; justify-content: space-between; align-items: center; font-size: 14px; }
.lb-form-consent { font-size: 14px; color: var(--lb-gray4); }
.lb-form-consent a { color: var(--lb-green); }
.lb-contact-form-wrap { background: #fff; border-radius: 16px; padding: 40px; border: 1px solid var(--lb-gray3); box-shadow: var(--lb-shadow); }

/* ---- PHONE FIELD ---- */
.lb-phone-wrap { display: flex; gap: 0; }
.lb-dial-prefix {
  display: flex; align-items: center; padding: 12px 14px;
  background: var(--lb-gray1); border: 1.5px solid var(--lb-gray3); border-right: none;
  border-radius: 8px 0 0 8px; font-size: 14px; font-weight: 700; color: var(--lb-navy);
  min-width: 56px; white-space: nowrap;
}
.lb-phone-wrap input { border-radius: 0 8px 8px 0; }

/* ---- SIMULATOR ---- */
.lb-simulator {
  background: linear-gradient(135deg, #f0fdf4, #ecfdf5);
  border: 1.5px solid #86efac; border-radius: 12px; padding: 28px;
  animation: lb-fadein 0.4s ease;
}
.lb-simulator-title { font-size: 16px; font-weight: 700; color: var(--lb-navy); margin-bottom: 20px; }
.lb-simulator-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; margin-bottom: 12px; }
.lb-sim-item { text-align: center; background: #fff; border-radius: 8px; padding: 16px 12px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); }
.lb-sim-highlight { background: var(--lb-navy); }
.lb-sim-highlight .lb-sim-label, .lb-sim-highlight .lb-sim-val { color: #fff !important; }
.lb-sim-label { display: block; font-size: 11px; font-weight: 600; color: var(--lb-gray4); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.lb-sim-val { display: block; font-size: 20px; font-weight: 700; color: var(--lb-navy); font-family: var(--lb-font-serif); }
.lb-sim-note { font-size: 12px; color: var(--lb-gray4); font-style: italic; }

/* ---- LOAN FORM ---- */
.lb-loan-wrap { max-width: 860px; margin: 0 auto; background: #fff; border-radius: 20px; padding: 48px; border: 1px solid var(--lb-gray3); box-shadow: var(--lb-shadow-lg); }

/* ---- RESPONSE MESSAGES ---- */
.lb-response-msg {
  padding: 14px 20px; border-radius: 8px; font-size: 14px; font-weight: 500;
  margin-top: 8px;
}
.lb-response-msg.lb-success { background: #dcfce7; color: #15803d; border: 1px solid #86efac; }
.lb-response-msg.lb-error { background: #fef2f2; color: #b91c1c; border: 1px solid #fca5a5; }

/* ---- AUTH ---- */
.lb-auth-grid { display: grid; grid-template-columns: 1fr auto 1fr; gap: 40px; align-items: start; max-width: 860px; margin: 0 auto; }
.lb-auth-card { background: #fff; border-radius: 16px; padding: 40px; border: 1px solid var(--lb-gray3); box-shadow: var(--lb-shadow); }
.lb-auth-card h2 { font-family: var(--lb-font-serif); font-size: 24px; color: var(--lb-navy); margin-bottom: 28px; }
.lb-auth-divider { display: flex; align-items: center; justify-content: center; }
.lb-auth-divider span { background: var(--lb-gray2); border-radius: 50%; width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; color: var(--lb-gray4); font-size: 13px; font-weight: 600; }
.lb-auth-logged { background: var(--lb-gray1); border-radius: 16px; padding: 48px; text-align: center; border: 1px solid var(--lb-gray3); }
.lb-auth-logged h2 { font-family: var(--lb-font-serif); font-size: 30px; color: var(--lb-navy); margin-bottom: 16px; }
.lb-auth-logged p { color: var(--lb-gray4); margin-bottom: 28px; }

/* ---- DASHBOARD ---- */
.lb-dashboard-grid { display: grid; grid-template-columns: 260px 1fr; gap: 32px; }
.lb-dashboard-sidebar { position: sticky; top: 90px; align-self: start; }
.lb-user-card { background: var(--lb-navy); border-radius: 12px; padding: 24px; display: flex; gap: 16px; align-items: center; margin-bottom: 16px; }
.lb-user-avatar { width: 48px; height: 48px; background: var(--lb-green); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 700; color: #fff; flex-shrink: 0; }
.lb-user-info strong { display: block; color: #fff; font-size: 15px; }
.lb-user-info span { color: rgba(255,255,255,0.65); font-size: 12px; word-break: break-all; }
.lb-dash-nav { display: flex; flex-direction: column; gap: 4px; background: #fff; border-radius: 12px; padding: 8px; border: 1px solid var(--lb-gray3); }
.lb-dash-link { padding: 12px 16px; border-radius: 8px; text-decoration: none; font-size: 14px; font-weight: 500; color: var(--lb-navy); transition: all 0.2s; }
.lb-dash-link:hover, .lb-dash-link-active { background: var(--lb-gray1); color: var(--lb-green); }
.lb-dash-link-danger:hover { background: #fef2f2; color: #b91c1c; }
.lb-dashboard-main { display: flex; flex-direction: column; gap: 32px; }
.lb-dash-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.lb-dash-card { border-radius: 12px; padding: 24px; display: flex; gap: 16px; align-items: center; }
.lb-dash-card-blue { background: #eff6ff; border: 1px solid #bfdbfe; }
.lb-dash-card-green { background: #f0fdf4; border: 1px solid #bbf7d0; }
.lb-dash-card-gold { background: #fffbeb; border: 1px solid #fde68a; }
.lb-dash-card-icon { font-size: 28px; flex-shrink: 0; }
.lb-dash-card strong { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--lb-gray4); margin-bottom: 4px; }
.lb-dash-card span { font-size: 16px; font-weight: 700; color: var(--lb-navy); }
.lb-dossier-timeline { background: #fff; border-radius: 16px; padding: 32px; border: 1px solid var(--lb-gray3); }
.lb-dossier-timeline h3 { font-family: var(--lb-font-serif); font-size: 22px; color: var(--lb-navy); margin-bottom: 28px; }
.lb-timeline { display: flex; flex-direction: column; gap: 0; }
.lb-timeline-item { display: flex; gap: 20px; padding-bottom: 28px; position: relative; }
.lb-timeline-item:last-child { padding-bottom: 0; }
.lb-timeline-item::before { content: ''; position: absolute; left: 15px; top: 40px; bottom: 0; width: 2px; background: var(--lb-gray3); }
.lb-timeline-item:last-child::before { display: none; }
.lb-tl-dot { width: 32px; height: 32px; border-radius: 50%; background: var(--lb-gray3); display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; position: relative; z-index: 1; }
.lb-done .lb-tl-dot { background: var(--lb-green); color: #fff; }
.lb-active .lb-tl-dot { background: var(--lb-navy); color: #fff; animation: lb-pulse 2s infinite; }
.lb-tl-content strong { display: block; font-size: 15px; color: var(--lb-navy); margin-bottom: 4px; }
.lb-tl-content span { font-size: 13px; color: var(--lb-gray4); }
.lb-contact-agent { background: linear-gradient(135deg, var(--lb-navy), var(--lb-navy2)); border-radius: 16px; padding: 32px; display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.lb-contact-agent h3 { font-family: var(--lb-font-serif); font-size: 22px; color: #fff; margin-bottom: 8px; }
.lb-contact-agent p { color: rgba(255,255,255,0.75); font-size: 14px; }

/* ---- FOOTER ---- */
.lb-footer { background: var(--lb-navy); padding: 64px 0 0; }
.lb-footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.lb-footer-brand img { margin-bottom: 16px; display: block; filter: brightness(0) invert(1); }
.lb-footer-brand p { color: rgba(255,255,255,0.65); font-size: 14px; line-height: 1.7; margin-bottom: 20px; }
.lb-footer-contact { display: flex; flex-direction: column; gap: 8px; }
.lb-footer-contact span { font-size: 13px; color: rgba(255,255,255,0.65); }
.lb-footer-contact a { color: rgba(255,255,255,0.75); text-decoration: none; }
.lb-footer-contact a:hover { color: var(--lb-gold); }
.lb-footer-links h4 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: rgba(255,255,255,0.4); margin-bottom: 16px; }
.lb-footer-links { display: flex; flex-direction: column; gap: 10px; }
.lb-footer-links a { color: rgba(255,255,255,0.7); font-size: 14px; text-decoration: none; transition: color 0.2s; }
.lb-footer-links a:hover { color: var(--lb-gold); }
.lb-footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 24px; text-align: center; max-width: 1200px; margin: 0 auto; }
.lb-footer-bottom p { color: rgba(255,255,255,0.4); font-size: 13px; }

/* ---- LINKS ---- */
.lb-link { color: var(--lb-green); font-size: 14px; font-weight: 600; text-decoration: none; }
.lb-link:hover { text-decoration: underline; }

/* ---- ANIMATIONS ---- */
@keyframes lb-fadein { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
@keyframes lb-pulse { 0%, 100% { box-shadow: 0 0 0 0 rgba(13,46,92,0.4); } 50% { box-shadow: 0 0 0 8px rgba(13,46,92,0); } }
.lb-card-animated { animation: lb-fadein 0.5s ease both; }

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .lb-cards-grid { grid-template-columns: repeat(2,1fr); }
  .lb-testimonials { grid-template-columns: repeat(2,1fr); }
  .lb-footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .lb-values-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .lb-hero-content { grid-template-columns: 1fr; }
  .lb-hero-img { display: none; }
  .lb-hero-stats { grid-template-columns: repeat(2,1fr); }
  .lb-cards-grid { grid-template-columns: 1fr; }
  .lb-why-inner { grid-template-columns: 1fr; }
  .lb-testimonials { grid-template-columns: 1fr; }
  .lb-blog-grid { grid-template-columns: 1fr; }
  .lb-contact-grid { grid-template-columns: 1fr; }
  .lb-form-row { grid-template-columns: 1fr; }
  .lb-auth-grid { grid-template-columns: 1fr; }
  .lb-auth-divider { display: none; }
  .lb-dashboard-grid { grid-template-columns: 1fr; }
  .lb-dashboard-sidebar { position: static; }
  .lb-dash-cards { grid-template-columns: 1fr; }
  .lb-simulator-grid { grid-template-columns: repeat(2,1fr); }
  .lb-footer-inner { grid-template-columns: 1fr; gap: 24px; }
  .lb-nav { display: none; }
  .lb-nav-toggle { display: block; }
  .lb-nav.lb-nav-open { display: flex; flex-direction: column; position: fixed; top: 72px; left: 0; right: 0; background: #fff; padding: 24px; border-bottom: 1px solid var(--lb-gray3); box-shadow: var(--lb-shadow-lg); z-index: 998; }
  .lb-service-detail { grid-template-columns: 1fr; }
  .lb-service-reverse { direction: ltr; }
  .lb-two-col { grid-template-columns: 1fr; }
  .lb-values-grid { grid-template-columns: 1fr 1fr; }
  .lb-cta-inner { flex-direction: column; text-align: center; }
  .lb-loan-wrap { padding: 24px; }
  .lb-contact-agent { flex-direction: column; text-align: center; }
}