/* =========================================================
   SPARK MICROFINANCE TANZANIA LIMITED
   PROFESSIONAL WEBSITE STYLESHEET
   ========================================================= */


/* =========================================================
   01. ROOT / GLOBAL
========================================================= */

:root{

    --spark-blue:#0756A6;
    --spark-blue-dark:#063B73;
    --spark-blue-soft:#EAF3FF;

    --spark-yellow:#FFC400;
    --spark-yellow-dark:#DFA900;

    --spark-dark:#0B172A;
    --spark-dark-2:#16243A;

    --spark-text:#475569;
    --spark-muted:#64748B;

    --spark-white:#FFFFFF;
    --spark-light:#F6F9FC;
    --spark-light-2:#EEF4F9;

    --spark-border:#E2E8F0;

    --spark-success:#16A34A;
    --spark-whatsapp:#25D366;

    --shadow-sm:
        0 6px 20px rgba(15,23,42,.06);

    --shadow-md:
        0 14px 40px rgba(15,23,42,.09);

    --shadow-lg:
        0 25px 70px rgba(7,86,166,.15);

    --radius-sm:10px;
    --radius-md:16px;
    --radius-lg:24px;

    --transition:
        .28s cubic-bezier(.4,0,.2,1);
}


/* =========================================================
   RESET
========================================================= */

*,
*::before,
*::after{

    margin:0;
    padding:0;
    box-sizing:border-box;
}


html{

    scroll-behavior:smooth;

    scroll-padding-top:85px;
}


body{

    font-family:'Inter',sans-serif;

    background:var(--spark-white);

    color:var(--spark-dark);

    line-height:1.6;

    overflow-x:hidden;

    -webkit-font-smoothing:antialiased;
}


body,
button,
input,
textarea,
select{

    font-family:'Inter',sans-serif;
}


h1,
h2,
h3,
h4,
h5,
h6{

    font-family:'Poppins',sans-serif;

    line-height:1.2;
}


a{

    text-decoration:none;

    color:inherit;
}


button,
input,
textarea,
select{

    font:inherit;
}


button{

    border:0;
}


img{

    display:block;

    max-width:100%;

    height:auto;
}


ul{

    list-style:none;
}


::selection{

    background:var(--spark-blue);

    color:#fff;
}


/* =========================================================
   CONTAINER
========================================================= */

.container{

    width:min(1180px,92%);

    margin-inline:auto;
}


/* =========================================================
   02. HEADER
========================================================= */

.header{

    position:sticky;

    top:0;

    z-index:9999;

    width:100%;

    background:rgba(255,255,255,.94);

    backdrop-filter:blur(16px);

    -webkit-backdrop-filter:blur(16px);

    border-bottom:1px solid rgba(226,232,240,.85);

    transition:var(--transition);
}


.header-inner{

    width:min(1200px,92%);

    min-height:78px;

    margin:auto;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:25px;
}


/* BRAND */

.brand{

    display:flex;

    align-items:center;

    gap:12px;

    flex-shrink:0;
}


.brand-mark{

    width:45px;

    height:45px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:13px;

    background:
        linear-gradient(
            135deg,
            var(--spark-blue),
            var(--spark-blue-dark)
        );

    color:var(--spark-yellow);

    font-size:19px;

    box-shadow:
        0 8px 22px rgba(7,86,166,.22);
}


.brand-text{

    display:flex;

    flex-direction:column;

    line-height:1.15;
}


.brand-text strong{

    font-family:'Poppins',sans-serif;

    color:var(--spark-blue);

    font-size:17px;

    font-weight:800;

    letter-spacing:-.3px;
}


.brand-text span{

    margin-top:4px;

    color:var(--spark-muted);

    font-size:9px;

    font-weight:700;

    letter-spacing:1.7px;

    text-transform:uppercase;
}


/* NAVIGATION */

.nav{

    display:flex;

    align-items:center;

    gap:2px;
}


.nav a{

    position:relative;

    display:inline-flex;

    align-items:center;

    justify-content:center;

    min-height:42px;

    padding:8px 12px;

    border-radius:8px;

    color:#334155;

    font-size:13px;

    font-weight:600;

    transition:var(--transition);
}


.nav a:not(.nav-cta)::after{

    content:"";

    position:absolute;

    left:12px;

    right:12px;

    bottom:4px;

    height:2px;

    border-radius:20px;

    background:var(--spark-yellow);

    transform:scaleX(0);

    transform-origin:center;

    transition:var(--transition);
}


.nav a:hover{

    color:var(--spark-blue);

    background:#F8FBFF;
}


.nav a:hover::after{

    transform:scaleX(1);
}


/* NAV CTA */

.nav .nav-cta{

    margin-left:8px;

    padding:10px 17px;

    gap:8px;

    color:#fff !important;

    background:var(--spark-blue);

    border-radius:9px;

    box-shadow:
        0 8px 20px rgba(7,86,166,.20);
}


.nav .nav-cta:hover{

    background:var(--spark-blue-dark);

    color:#fff !important;

    transform:translateY(-1px);
}


.nav .nav-cta::after{

    display:none;
}


/* MOBILE MENU */

.menu-toggle{

    display:none;

    width:43px;

    height:43px;

    align-items:center;

    justify-content:center;

    border:1px solid var(--spark-border);

    border-radius:10px;

    background:#fff;

    color:var(--spark-blue);

    font-size:19px;

    cursor:pointer;

    transition:var(--transition);
}


.menu-toggle:hover{

    background:var(--spark-light);

    border-color:#CBD5E1;
}


/* =========================================================
   03. HERO
========================================================= */

.hero{

    position:relative;

    min-height:650px;

    display:flex;

    align-items:center;

    padding:90px 0 85px;

    overflow:hidden;

    background:
        radial-gradient(
            circle at 85% 15%,
            rgba(7,86,166,.08),
            transparent 30%
        ),
        linear-gradient(
            135deg,
            #F5FAFF 0%,
            #FFFFFF 52%,
            #FFFDF4 100%
        );
}


.hero-bg-shape{

    position:absolute;

    border-radius:50%;

    pointer-events:none;

    z-index:0;
}


.hero-bg-shape-one{

    width:430px;

    height:430px;

    right:-210px;

    top:-180px;

    background:rgba(7,86,166,.055);

    filter:blur(2px);
}


.hero-bg-shape-two{

    width:330px;

    height:330px;

    left:-180px;

    bottom:-190px;

    background:rgba(255,196,0,.075);

    filter:blur(2px);
}


.hero-container{

    position:relative;

    z-index:2;

    display:grid;

    grid-template-columns:
        minmax(0,1.05fr)
        minmax(400px,.95fr);

    align-items:center;

    gap:70px;
}


.hero-content{

    max-width:650px;
}


.hero-badge{

    display:inline-flex;

    align-items:center;

    gap:10px;

    margin-bottom:22px;

    padding:8px 14px;

    border:1px solid #DDE7F1;

    border-radius:50px;

    background:rgba(255,255,255,.9);

    color:var(--spark-blue);

    font-size:11px;

    font-weight:700;

    box-shadow:var(--shadow-sm);
}


.badge-dot{

    width:8px;

    height:8px;

    flex:0 0 8px;

    border-radius:50%;

    background:var(--spark-yellow);

    box-shadow:
        0 0 0 4px rgba(255,196,0,.14);
}


.hero h1{

    margin-bottom:24px;

    color:var(--spark-dark);

    font-size:clamp(42px,5vw,68px);

    font-weight:800;

    line-height:1.05;

    letter-spacing:-2.7px;
}


.hero h1 span{

    position:relative;

    display:inline-block;

    color:var(--spark-blue);
}


.hero h1 span::after{

    content:"";

    position:absolute;

    left:0;

    bottom:-8px;

    width:65%;

    height:5px;

    border-radius:10px;

    background:var(--spark-yellow);
}


.hero-description{

    max-width:600px;

    margin-bottom:31px;

    color:var(--spark-muted);

    font-size:16px;

    line-height:1.85;
}


.hero-buttons{

    display:flex;

    align-items:center;

    flex-wrap:wrap;

    gap:12px;

    margin-bottom:29px;
}


.btn-primary,
.btn-secondary{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    gap:9px;

    min-height:50px;

    padding:13px 20px;

    border-radius:10px;

    font-size:13px;

    font-weight:700;

    transition:var(--transition);
}


.btn-primary{

    color:#fff;

    background:var(--spark-blue);

    box-shadow:
        0 12px 27px rgba(7,86,166,.22);
}


.btn-primary:hover{

    color:#fff;

    background:var(--spark-blue-dark);

    transform:translateY(-2px);

    box-shadow:
        0 17px 32px rgba(7,86,166,.28);
}


.btn-secondary{

    color:var(--spark-blue);

    background:#fff;

    border:1px solid #D7E2ED;

    box-shadow:0 5px 15px rgba(15,23,42,.04);
}


.btn-secondary:hover{

    color:var(--spark-blue-dark);

    border-color:var(--spark-blue);

    background:#F8FBFF;

    transform:translateY(-2px);
}


.hero-trust{

    display:flex;

    align-items:center;

    gap:12px;
}


.trust-icon{

    width:40px;

    height:40px;

    flex:0 0 40px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:11px;

    background:var(--spark-blue-soft);

    color:var(--spark-blue);
}


.hero-trust strong{

    display:block;

    color:#334155;

    font-size:13px;
}


.hero-trust span{

    display:block;

    margin-top:2px;

    color:#64748B;

    font-size:11px;
}


/* =========================================================
   HERO VISUAL
========================================================= */

.hero-visual{

    position:relative;

    min-height:450px;

    display:flex;

    align-items:center;

    justify-content:center;
}


.hero-card-main{

    position:relative;

    width:min(440px,100%);

    min-height:330px;

    padding:30px;

    border-radius:25px;

    overflow:hidden;

    color:#fff;

    background:
        linear-gradient(
            145deg,
            #0B61B7,
            #063B73
        );

    box-shadow:
        0 30px 70px rgba(7,86,166,.28);
}


.hero-card-main::before{

    content:"";

    position:absolute;

    width:220px;

    height:220px;

    right:-100px;

    top:-100px;

    border-radius:50%;

    background:rgba(255,255,255,.07);
}


.hero-card-main::after{

    content:"";

    position:absolute;

    width:160px;

    height:160px;

    left:-80px;

    bottom:-90px;

    border-radius:50%;

    background:rgba(255,196,0,.08);
}


.hero-card-top{

    position:relative;

    z-index:2;

    display:flex;

    align-items:flex-start;

    justify-content:space-between;

    gap:20px;
}


.hero-card-top small{

    display:block;

    margin-bottom:5px;

    color:rgba(255,255,255,.65);

    font-size:9px;

    font-weight:700;

    letter-spacing:2px;
}


.hero-card-top h3{

    color:#fff;

    font-size:22px;

    font-weight:700;
}


.hero-card-icon{

    width:48px;

    height:48px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:14px;

    color:var(--spark-yellow);

    background:rgba(255,255,255,.10);

    border:1px solid rgba(255,255,255,.12);

    font-size:19px;
}


.hero-card-line{

    position:relative;

    z-index:2;

    height:1px;

    margin:27px 0;

    background:rgba(255,255,255,.13);
}


.hero-card-middle{

    position:relative;

    z-index:2;

    display:flex;

    flex-direction:column;

    gap:7px;
}


.hero-card-middle span{

    margin-bottom:4px;

    color:rgba(255,255,255,.55);

    font-size:10px;

    text-transform:uppercase;

    letter-spacing:1.4px;
}


.hero-card-middle strong{

    color:#fff;

    font-size:19px;

    font-weight:600;
}


.hero-card-bottom{

    position:absolute;

    z-index:2;

    left:30px;

    right:30px;

    bottom:27px;

    display:flex;

    align-items:flex-end;

    justify-content:space-between;

    gap:20px;
}


.hero-card-bottom small{

    display:block;

    margin-bottom:4px;

    color:rgba(255,255,255,.55);

    font-size:8px;

    letter-spacing:1.5px;
}


.hero-card-bottom strong{

    color:#fff;

    font-size:12px;
}


.hero-card-status{

    display:flex;

    align-items:center;

    gap:7px;

    padding:6px 9px;

    border-radius:30px;

    color:#D7FFE3;

    background:rgba(22,163,74,.15);

    font-size:10px;

    font-weight:700;
}


.hero-card-status span{

    width:7px;

    height:7px;

    border-radius:50%;

    background:#4ADE80;

    box-shadow:0 0 0 3px rgba(74,222,128,.12);
}


/* FLOATING CARDS */

.floating-card{

    position:absolute;

    z-index:5;

    display:flex;

    align-items:center;

    gap:11px;

    min-width:145px;

    padding:13px 15px;

    border:1px solid rgba(226,232,240,.9);

    border-radius:14px;

    background:rgba(255,255,255,.96);

    box-shadow:
        0 18px 40px rgba(15,23,42,.12);

    backdrop-filter:blur(10px);

    -webkit-backdrop-filter:blur(10px);
}


.floating-card-one{

    left:-25px;

    top:65px;
}


.floating-card-two{

    right:-25px;

    bottom:65px;
}


.floating-icon{

    width:39px;

    height:39px;

    flex:0 0 39px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:11px;

    font-size:15px;
}


.blue-icon{

    color:var(--spark-blue);

    background:var(--spark-blue-soft);
}


.yellow-icon{

    color:#9A7100;

    background:#FFF7D8;
}


.floating-card strong{

    display:block;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:15px;

    font-weight:800;

    line-height:1.1;
}


.floating-card span{

    display:block;

    margin-top:3px;

    color:var(--spark-muted);

    font-size:10px;
}


/* =========================================================
   04. STATISTICS
========================================================= */

.stats-section{

    position:relative;

    z-index:10;

    background:#fff;

    border-bottom:1px solid var(--spark-border);

    box-shadow:
        0 8px 25px rgba(15,23,42,.045);
}


.stats-grid{

    display:grid;

    grid-template-columns:repeat(4,1fr);

    min-height:125px;
}


.stat-item{

    display:flex;

    align-items:center;

    gap:14px;

    padding:25px;

    border-right:1px solid #EDF1F5;
}


.stat-item:first-child{

    padding-left:0;
}


.stat-item:last-child{

    padding-right:0;

    border-right:none;
}


.stat-icon{

    width:48px;

    height:48px;

    flex:0 0 48px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:13px;

    background:var(--spark-blue-soft);

    color:var(--spark-blue);

    font-size:17px;
}


.stat-item strong{

    display:block;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:18px;

    font-weight:800;

    line-height:1.2;
}


.stat-item span{

    display:block;

    margin-top:4px;

    color:var(--spark-muted);

    font-size:10px;

    line-height:1.4;
}


/* =========================================================
   05. TRUST / COMPLIANCE
========================================================= */

.trust-section{

    background:var(--spark-dark);

    color:#fff;

    padding:38px 0;
}


.trust-grid{

    display:grid;

    grid-template-columns:repeat(3,1fr);
}


.trust-item{

    display:flex;

    align-items:flex-start;

    gap:14px;

    padding:8px 28px;

    border-right:1px solid rgba(255,255,255,.10);
}


.trust-item:first-child{

    padding-left:0;
}


.trust-item:last-child{

    padding-right:0;

    border-right:none;
}


.trust-item-icon{

    width:44px;

    height:44px;

    flex:0 0 44px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:12px;

    color:var(--spark-yellow);

    background:rgba(255,196,0,.10);

    font-size:17px;
}


.trust-item strong{

    display:block;

    margin-bottom:5px;

    color:#fff;

    font-family:'Poppins',sans-serif;

    font-size:13px;
}


.trust-item p{

    color:#94A3B8;

    font-size:11px;

    line-height:1.7;
}


/* =========================================================
   06. SECTION HEADINGS
========================================================= */

.about-section,
.values-section{

    padding:100px 0;
}


.about-section{

    background:#fff;
}


.values-section{

    background:
        linear-gradient(
            180deg,
            #F8FBFE 0%,
            #FFFFFF 100%
        );
}


.section-heading{

    max-width:720px;

    margin-bottom:55px;
}


.section-heading.centered{

    margin-inline:auto;

    text-align:center;
}


.section-label{

    display:flex;

    align-items:center;

    gap:8px;

    margin-bottom:13px;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;
}


.section-heading.centered .section-label{

    justify-content:center;
}


.section-label span{

    width:25px;

    height:2px;

    display:inline-block;

    border-radius:10px;

    background:var(--spark-yellow);
}


.section-heading h2{

    margin-bottom:16px;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:clamp(30px,4vw,45px);

    font-weight:800;

    line-height:1.15;

    letter-spacing:-1.3px;
}


.section-heading h2 span{

    color:var(--spark-blue);
}


.section-heading p{

    color:var(--spark-muted);

    font-size:14px;

    line-height:1.8;
}


/* =========================================================
   07. ABOUT
========================================================= */

.about-grid{

    display:grid;

    grid-template-columns:
        minmax(0,1.05fr)
        minmax(350px,.95fr);

    gap:70px;

    align-items:center;
}


.about-content{

    display:flex;

    flex-direction:column;

    gap:30px;
}


.about-intro{

    display:grid;

    grid-template-columns:50px 1fr;

    gap:18px;
}


.about-number{

    width:46px;

    height:46px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:12px;

    color:var(--spark-blue);

    background:var(--spark-blue-soft);

    font-family:'Poppins',sans-serif;

    font-size:12px;

    font-weight:800;
}


.about-intro h3{

    margin-bottom:8px;

    color:var(--spark-dark);

    font-size:19px;
}


.about-intro p{

    color:var(--spark-muted);

    font-size:13px;

    line-height:1.85;
}


.about-highlight{

    display:flex;

    align-items:flex-start;

    gap:14px;

    padding:18px;

    border:1px solid #DCE8F4;

    border-radius:14px;

    background:#F7FBFF;
}


.about-highlight-icon{

    width:42px;

    height:42px;

    flex:0 0 42px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:11px;

    background:#E6F1FF;

    color:var(--spark-blue);
}


.about-highlight strong{

    display:block;

    margin-bottom:3px;

    color:var(--spark-dark);

    font-size:13px;
}


.about-highlight p{

    color:var(--spark-muted);

    font-size:11px;

    line-height:1.6;
}


/* COMPANY PROFILE */

.company-profile-card{

    position:relative;

    padding:34px;

    border:1px solid #DCE6F0;

    border-radius:24px;

    overflow:hidden;

    background:
        linear-gradient(
            145deg,
            #FFFFFF,
            #F5F9FD
        );

    box-shadow:var(--shadow-md);
}


.company-profile-card::before{

    content:"";

    position:absolute;

    width:180px;

    height:180px;

    right:-90px;

    top:-90px;

    border-radius:50%;

    background:rgba(7,86,166,.05);
}


.profile-card-top{

    position:relative;

    z-index:2;

    display:flex;

    align-items:center;

    gap:12px;

    margin-bottom:25px;
}


.profile-logo{

    width:46px;

    height:46px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:13px;

    color:var(--spark-yellow);

    background:
        linear-gradient(
            135deg,
            var(--spark-blue),
            var(--spark-blue-dark)
        );
}


.profile-card-top span{

    color:var(--spark-blue);

    font-size:9px;

    font-weight:800;

    letter-spacing:1.8px;
}


.company-profile-card h3{

    position:relative;

    z-index:2;

    margin-bottom:12px;

    color:var(--spark-dark);

    font-size:25px;

    line-height:1.3;
}


.company-profile-card > p{

    position:relative;

    z-index:2;

    color:var(--spark-muted);

    font-size:13px;

    line-height:1.8;
}


.profile-divider{

    height:1px;

    margin:24px 0;

    background:#DDE6EF;
}


.profile-details{

    display:grid;

    grid-template-columns:1fr 1fr;

    gap:15px;
}


.profile-details > div{

    display:flex;

    align-items:center;

    gap:9px;

    color:#475569;

    font-size:11px;

    font-weight:600;
}


.profile-details i{

    width:31px;

    height:31px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:9px;

    background:#EAF3FF;

    color:var(--spark-blue);
}


.profile-footer{

    display:flex;

    align-items:center;

    gap:9px;

    margin-top:25px;

    padding-top:17px;

    border-top:1px solid #DDE6EF;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:700;
}


.profile-footer i{

    color:var(--spark-success);
}


/* =========================================================
   08. MISSION / VISION / VALUES
========================================================= */

.values-grid{

    display:grid;

    grid-template-columns:repeat(3,1fr);

    gap:22px;
}


.value-card{

    position:relative;

    padding:30px;

    min-height:330px;

    border:1px solid var(--spark-border);

    border-radius:20px;

    background:#fff;

    overflow:hidden;

    box-shadow:
        0 8px 25px rgba(15,23,42,.045);

    transition:var(--transition);
}


.value-card:hover{

    transform:translateY(-5px);

    box-shadow:
        0 20px 45px rgba(15,23,42,.10);
}


.value-icon{

    width:50px;

    height:50px;

    display:flex;

    align-items:center;

    justify-content:center;

    margin-bottom:20px;

    border-radius:14px;

    color:var(--spark-blue);

    background:var(--spark-blue-soft);

    font-size:18px;
}


.value-number{

    position:absolute;

    top:27px;

    right:27px;

    color:#CBD5E1;

    font-family:'Poppins',sans-serif;

    font-size:12px;

    font-weight:800;
}


.value-card h3{

    margin-bottom:13px;

    color:var(--spark-dark);

    font-size:20px;
}


.value-card p{

    color:var(--spark-muted);

    font-size:13px;

    line-height:1.8;
}


.values-card ul{

    display:flex;

    flex-direction:column;

    gap:9px;
}


.values-card li{

    display:flex;

    align-items:center;

    gap:9px;

    color:#475569;

    font-size:13px;

    font-weight:600;
}


.values-card li i{

    width:21px;

    height:21px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:50%;

    color:var(--spark-success);

    background:#EAF8EF;

    font-size:9px;
}


.value-line{

    position:absolute;

    left:0;

    right:0;

    bottom:0;

    height:3px;

    background:
        linear-gradient(
            90deg,
            var(--spark-blue),
            var(--spark-yellow)
        );
}


/* =========================================================
   09. FAQ
========================================================= */

.faq-section{

    padding:100px 0;

    background:#fff;
}


.section-title{

    width:min(720px,92%);

    margin:0 auto 45px;

    text-align:center;
}


.section-tag{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    margin-bottom:12px;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;
}


.section-title h2{

    margin-bottom:13px;

    color:var(--spark-dark);

    font-size:clamp(30px,4vw,43px);

    letter-spacing:-1px;
}


.section-title p{

    color:var(--spark-muted);

    font-size:14px;

    line-height:1.8;
}


.faq-container{

    width:min(850px,92%);

    margin:auto;
}


.faq-item{

    margin-bottom:11px;

    border:1px solid #E1E8F0;

    border-radius:13px;

    background:#fff;

    overflow:hidden;

    transition:var(--transition);
}


.faq-item:hover{

    border-color:#CBD9E8;
}


.faq-item.active{

    border-color:#BBD3EA;

    box-shadow:
        0 10px 28px rgba(7,86,166,.07);
}


.faq-question{

    width:100%;

    min-height:65px;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:20px;

    padding:17px 20px;

    background:#fff;

    color:var(--spark-dark);

    text-align:left;

    cursor:pointer;

    font-size:13px;

    font-weight:700;
}


.faq-icon{

    width:29px;

    height:29px;

    flex:0 0 29px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:50%;

    color:var(--spark-blue);

    background:var(--spark-blue-soft);

    font-size:18px;

    line-height:1;

    transition:var(--transition);
}


.faq-item.active .faq-icon{

    color:#fff;

    background:var(--spark-blue);

    transform:rotate(180deg);
}


.faq-answer{

    max-height:0;

    overflow:hidden;

    padding:0 20px;

    opacity:0;

    transition:
        max-height .4s ease,
        padding .3s ease,
        opacity .25s ease;
}


.faq-item.active .faq-answer{

    max-height:500px;

    padding:0 20px 20px;

    opacity:1;
}


.faq-answer p{

    margin-bottom:10px;

    color:var(--spark-muted);

    font-size:13px;

    line-height:1.8;
}


.faq-answer p:last-child{

    margin-bottom:0;
}


.faq-answer strong{

    color:var(--spark-dark);
}


.faq-answer ul{

    display:flex;

    flex-direction:column;

    gap:8px;

    margin-top:10px;

    padding-left:4px;
}


.faq-answer li{

    position:relative;

    padding-left:19px;

    color:var(--spark-muted);

    font-size:12px;
}


.faq-answer li::before{

    content:"✓";

    position:absolute;

    left:0;

    color:var(--spark-success);

    font-weight:800;
}


/* =========================================================
   10. CTA
========================================================= */

.cta-section{

    position:relative;

    margin:0;

    padding:70px 0;

    overflow:hidden;

    color:#fff;

    background:
        linear-gradient(
            135deg,
            var(--spark-blue-dark),
            var(--spark-blue)
        );
}


.cta-section::before{

    content:"";

    position:absolute;

    width:400px;

    height:400px;

    right:-180px;

    top:-220px;

    border-radius:50%;

    background:rgba(255,255,255,.06);
}


.cta-section::after{

    content:"";

    position:absolute;

    width:280px;

    height:280px;

    left:-160px;

    bottom:-180px;

    border-radius:50%;

    background:rgba(255,196,0,.07);
}


.cta-content{

    position:relative;

    z-index:2;

    width:min(1080px,92%);

    margin:auto;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:40px;
}


.cta-text{

    max-width:700px;
}


.cta-text .section-tag{

    color:var(--spark-yellow);
}


.cta-text h2{

    margin-bottom:12px;

    color:#fff;

    font-size:clamp(28px,4vw,40px);

    letter-spacing:-1px;
}


.cta-text p{

    color:rgba(255,255,255,.78);

    font-size:14px;

    line-height:1.8;
}


.cta-buttons{

    display:flex;

    flex-wrap:wrap;

    gap:11px;

    flex-shrink:0;
}


.btn{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    min-height:47px;

    padding:12px 19px;

    border-radius:9px;

    background:var(--spark-yellow);

    color:#1E293B;

    font-size:12px;

    font-weight:800;

    transition:var(--transition);
}


.btn:hover{

    color:#1E293B;

    background:#FFD23F;

    transform:translateY(-2px);
}


.btn-light{

    background:#fff;

    color:var(--spark-blue);
}


.btn-light:hover{

    background:#F8FAFC;

    color:var(--spark-blue-dark);
}


/* =========================================================
   11. CONTACT
========================================================= */

.contact-section{

    padding:100px 0;

    background:#F8FBFE;
}


.contact-grid{

    width:min(1180px,92%);

    margin:0 auto 55px;

    display:grid;

    grid-template-columns:repeat(4,1fr);

    gap:16px;
}


.contact-card{

    padding:25px 20px;

    border:1px solid #E1E8F0;

    border-radius:16px;

    background:#fff;

    text-align:center;

    box-shadow:
        0 7px 20px rgba(15,23,42,.035);

    transition:var(--transition);
}


.contact-card:hover{

    transform:translateY(-4px);

    border-color:#C8D9EA;

    box-shadow:
        0 15px 32px rgba(15,23,42,.08);
}


.contact-icon{

    width:46px;

    height:46px;

    display:flex;

    align-items:center;

    justify-content:center;

    margin:0 auto 13px;

    border-radius:13px;

    color:var(--spark-blue);

    background:var(--spark-blue-soft);

    font-size:19px;
}


.contact-card h3{

    margin-bottom:8px;

    color:var(--spark-dark);

    font-size:16px;
}


.contact-card p{

    color:var(--spark-muted);

    font-size:11px;

    line-height:1.8;

    word-break:break-word;
}


.contact-card a{

    color:var(--spark-blue);

    font-weight:600;

    transition:.2s ease;
}


.contact-card a:hover{

    color:var(--spark-blue-dark);

    text-decoration:underline;
}


/* CONTACT MAIN */

.contact-main{

    width:min(1100px,92%);

    margin:auto;

    display:grid;

    grid-template-columns:.9fr 1.1fr;

    gap:50px;

    align-items:start;
}


.contact-description{

    padding-top:15px;
}


.contact-description h2{

    max-width:520px;

    margin:5px 0 16px;

    color:var(--spark-dark);

    font-size:clamp(28px,4vw,40px);

    letter-spacing:-1px;
}


.contact-description > p{

    max-width:520px;

    margin-bottom:13px;

    color:var(--spark-muted);

    font-size:13px;

    line-height:1.85;
}


.contact-description strong{

    color:var(--spark-dark);
}


.contact-actions{

    display:flex;

    flex-wrap:wrap;

    gap:10px;

    margin-top:25px;
}


.contact-action{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    min-height:45px;

    padding:11px 15px;

    border-radius:9px;

    font-size:11px;

    font-weight:700;

    transition:var(--transition);
}


.contact-action.primary{

    color:#fff;

    background:var(--spark-blue);

    box-shadow:
        0 8px 20px rgba(7,86,166,.18);
}


.contact-action.primary:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);
}


.contact-action.whatsapp{

    color:#fff;

    background:var(--spark-whatsapp);
}


.contact-action.whatsapp:hover{

    background:#1DB954;

    transform:translateY(-2px);
}


/* CONTACT FORM */

.contact-form-box{

    padding:32px;

    border:1px solid #E0E8F0;

    border-radius:20px;

    background:#fff;

    box-shadow:
        0 18px 45px rgba(15,23,42,.07);
}


.form-header{

    margin-bottom:25px;
}


.form-header h3{

    margin:2px 0 7px;

    color:var(--spark-dark);

    font-size:24px;
}


.form-header p{

    color:var(--spark-muted);

    font-size:12px;
}


.professional-form{

    display:flex;

    flex-direction:column;

    gap:17px;
}


.form-group{

    display:flex;

    flex-direction:column;

    gap:7px;
}


.form-group label{

    color:#334155;

    font-size:11px;

    font-weight:700;
}


.form-group input,
.form-group select,
.form-group textarea{

    width:100%;

    border:1px solid #DCE4EC;

    border-radius:9px;

    outline:none;

    background:#FBFDFF;

    color:var(--spark-dark);

    font-size:12px;

    transition:var(--transition);
}


.form-group input,
.form-group select{

    min-height:46px;

    padding:11px 13px;
}


.form-group textarea{

    min-height:120px;

    padding:12px 13px;

    resize:vertical;
}


.form-group input::placeholder,
.form-group textarea::placeholder{

    color:#94A3B8;
}


.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{

    border-color:var(--spark-blue);

    background:#fff;

    box-shadow:
        0 0 0 3px rgba(7,86,166,.08);
}


.form-row{

    display:grid;

    grid-template-columns:1fr 1fr;

    gap:15px;
}


.form-submit{

    min-height:48px;

    margin-top:3px;

    border-radius:9px;

    color:#fff;

    background:var(--spark-blue);

    font-size:12px;

    font-weight:800;

    cursor:pointer;

    transition:var(--transition);

    box-shadow:
        0 9px 20px rgba(7,86,166,.18);
}


.form-submit:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);
}


/* =========================================================
   12. LEGAL / TRUST NOTICE
========================================================= */

.trust-container{

    width:min(1180px,92%);

    margin:auto;

    display:grid;

    grid-template-columns:repeat(3,1fr);
}


.trust-container .trust-item{

    display:flex;

    align-items:flex-start;

    gap:13px;

    padding:30px 28px;

    border-right:1px solid rgba(255,255,255,.10);
}


.trust-container .trust-item:first-child{

    padding-left:0;
}


.trust-container .trust-item:last-child{

    padding-right:0;

    border-right:none;
}


.trust-container .trust-icon{

    width:38px;

    height:38px;

    flex:0 0 38px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:10px;

    color:#fff;

    background:rgba(22,163,74,.16);

    font-size:14px;

    font-weight:800;
}


.trust-container .trust-item h3{

    margin-bottom:4px;

    color:#fff;

    font-size:13px;
}


.trust-container .trust-item p{

    color:#94A3B8;

    font-size:10px;

    line-height:1.7;
}


/* =========================================================
   13. FOOTER
========================================================= */

.site-footer{

    color:#CBD5E1;

    background:#071321;
}


.footer-container{

    width:min(1180px,92%);

    margin:auto;

    padding:70px 0 55px;

    display:grid;

    grid-template-columns:
        1.45fr
        .75fr
        .9fr
        1.15fr;

    gap:50px;
}


.footer-brand{

    display:flex;

    align-items:center;

    gap:11px;

    margin-bottom:17px;
}


.footer-logo-mark{

    width:43px;

    height:43px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:11px;

    color:var(--spark-yellow);

    background:var(--spark-blue);

    font-family:'Poppins',sans-serif;

    font-size:18px;

    font-weight:800;
}


.footer-brand h3{

    color:#fff;

    font-size:15px;
}


.footer-brand span{

    display:block;

    margin-top:2px;

    color:#7F8EA3;

    font-size:8px;

    font-weight:700;

    letter-spacing:1.4px;

    text-transform:uppercase;
}


.footer-company > p{

    max-width:320px;

    color:#8EA0B5;

    font-size:11px;

    line-height:1.8;
}


.footer-column > h3{

    margin-bottom:18px;

    color:#fff;

    font-size:14px;
}


.footer-column ul{

    display:flex;

    flex-direction:column;

    gap:10px;
}


.footer-column li a{

    color:#8EA0B5;

    font-size:11px;

    transition:.2s ease;
}


.footer-column li a:hover{

    color:#fff;

    padding-left:3px;
}


.footer-socials{

    display:flex;

    gap:8px;

    margin-top:20px;
}


.footer-socials a{

    width:32px;

    height:32px;

    display:flex;

    align-items:center;

    justify-content:center;

    border:1px solid rgba(255,255,255,.10);

    border-radius:8px;

    color:#B8C5D4;

    background:rgba(255,255,255,.03);

    font-size:12px;

    font-weight:700;

    transition:var(--transition);
}


.footer-socials a:hover{

    color:#fff;

    background:var(--spark-blue);

    border-color:var(--spark-blue);

    transform:translateY(-2px);
}


.footer-contact{

    display:flex;

    flex-direction:column;

    gap:11px;
}


.footer-contact > h3{

    margin-bottom:6px;
}


.footer-contact p{

    display:flex;

    align-items:flex-start;

    gap:9px;

    color:#8EA0B5;

    font-size:10px;

    line-height:1.6;

    word-break:break-word;
}


.footer-contact p a{

    color:#8EA0B5;

    transition:.2s ease;
}


.footer-contact p a:hover{

    color:#fff;
}


.footer-contact-icon{

    flex:0 0 auto;
}


/* FOOTER BOTTOM */

.footer-bottom{

    border-top:1px solid rgba(255,255,255,.07);
}


.footer-bottom-container{

    width:min(1180px,92%);

    min-height:65px;

    margin:auto;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:20px;
}


.footer-bottom p{

    color:#718096;

    font-size:9px;
}


.footer-bottom strong{

    color:#A8B6C7;
}


.footer-legal-links{

    display:flex;

    align-items:center;

    gap:18px;
}


.footer-legal-links a{

    color:#718096;

    font-size:9px;

    transition:.2s ease;
}


.footer-legal-links a:hover{

    color:#fff;
}


/* =========================================================
   14. FLOATING WHATSAPP
========================================================= */

.floating-whatsapp{

    position:fixed;

    right:22px;

    bottom:22px;

    z-index:9998;

    display:flex;

    align-items:center;

    justify-content:center;

    min-width:48px;

    height:48px;

    padding:0 17px;

    border-radius:50px;

    color:#fff;

    background:var(--spark-whatsapp);

    box-shadow:
        0 12px 30px rgba(37,211,102,.30);

    font-size:11px;

    font-weight:800;

    transition:var(--transition);
}


.floating-whatsapp:hover{

    color:#fff;

    background:#1DB954;

    transform:translateY(-3px);

    box-shadow:
        0 16px 35px rgba(37,211,102,.38);
}


/* =========================================================
   15. BACK TO TOP
========================================================= */

.back-to-top{

    position:fixed;

    right:22px;

    bottom:82px;

    z-index:9997;

    width:42px;

    height:42px;

    display:flex;

    align-items:center;

    justify-content:center;

    border:1px solid #D8E2EC;

    border-radius:10px;

    color:var(--spark-blue);

    background:#fff;

    box-shadow:
        0 10px 25px rgba(15,23,42,.12);

    font-size:18px;

    cursor:pointer;

    opacity:0;

    visibility:hidden;

    transform:translateY(15px);

    transition:var(--transition);
}


.back-to-top.show{

    opacity:1;

    visibility:visible;

    transform:translateY(0);
}


.back-to-top:hover{

    color:#fff;

    background:var(--spark-blue);

    border-color:var(--spark-blue);
}


/* =========================================================
   16. TABLET
========================================================= */

@media(max-width:1100px){

    .hero-container{

        grid-template-columns:
            minmax(0,1fr)
            minmax(350px,.85fr);

        gap:45px;
    }


    .nav a{

        padding-inline:8px;

        font-size:12px;
    }


    .nav .nav-cta{

        margin-left:3px;

        padding-inline:12px;
    }


    .footer-container{

        gap:30px;
    }

}


/* =========================================================
   17. RESPONSIVE — 950px
========================================================= */

@media(max-width:950px){

    .header-inner{

        min-height:70px;
    }


    .menu-toggle{

        display:flex;
    }


    .nav{

        position:absolute;

        top:70px;

        left:0;

        width:100%;

        max-height:calc(100vh - 70px);

        padding:12px 4% 18px;

        overflow-y:auto;

        display:none;

        flex-direction:column;

        align-items:stretch;

        gap:4px;

        background:#fff;

        border-bottom:1px solid var(--spark-border);

        box-shadow:
            0 18px 35px rgba(15,23,42,.10);
    }


    .nav.active{

        display:flex;
    }


    .nav a{

        justify-content:flex-start;

        width:100%;

        padding:13px 15px;

        min-height:46px;

        border-radius:9px;

        font-size:13px;
    }


    .nav a:hover{

        background:#F6F9FC;
    }


    .nav a::after{

        display:none !important;
    }


    .nav .nav-cta{

        justify-content:center;

        margin:5px 0 0;

        color:#fff !important;

        background:var(--spark-blue);
    }


    .hero{

        padding:75px 0 65px;
    }


    .hero-container{

        grid-template-columns:1fr;

        gap:65px;

        text-align:center;
    }


    .hero-content{

        max-width:750px;

        margin:auto;
    }


    .hero-badge{

        margin-inline:auto;
    }


    .hero h1 span{

        display:block;

        width:max-content;

        max-width:100%;

        margin:auto;
    }


    .hero-description{

        margin-inline:auto;
    }


    .hero-buttons{

        justify-content:center;
    }


    .hero-trust{

        justify-content:center;

        text-align:left;
    }


    .hero-visual{

        width:min(600px,100%);

        min-height:420px;

        margin:auto;
    }


    .stats-grid{

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


    .stat-item{

        border-bottom:1px solid #EDF1F5;
    }


    .stat-item:nth-child(2){

        border-right:none;
    }


    .stat-item:nth-child(3){

        border-bottom:none;
    }


    .stat-item:nth-child(4){

        border-right:none;

        border-bottom:none;
    }


    .trust-grid{

        grid-template-columns:1fr;

        gap:0;
    }


    .trust-item,
    .trust-item:first-child,
    .trust-item:last-child{

        padding:18px 0;

        border-right:none;

        border-bottom:1px solid rgba(255,255,255,.10);
    }


    .trust-item:last-child{

        border-bottom:none;
    }


    .about-grid{

        grid-template-columns:1fr;

        gap:50px;
    }


    .company-profile-card{

        max-width:650px;

        width:100%;

        margin:auto;
    }


    .values-grid{

        grid-template-columns:1fr;

        max-width:700px;

        margin:auto;
    }


    .value-card{

        min-height:auto;
    }


    .contact-grid{

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


    .contact-main{

        grid-template-columns:1fr;

        gap:45px;
    }


    .contact-description{

        max-width:700px;
    }


    .footer-container{

        grid-template-columns:repeat(2,1fr);

        gap:45px;
    }


    .footer-company{

        grid-column:span 2;
    }


    .footer-company > p{

        max-width:550px;
    }


    .cta-content{

        flex-direction:column;

        align-items:flex-start;
    }

}


/* =========================================================
   18. MOBILE — 650px
========================================================= */

@media(max-width:650px){

    .container{

        width:91%;
    }


    .header-inner{

        width:92%;
    }


    .brand-mark{

        width:40px;

        height:40px;

        border-radius:11px;

        font-size:17px;
    }


    .brand-text strong{

        font-size:14px;
    }


    .brand-text span{

        font-size:7px;

        letter-spacing:1.25px;
    }


    .hero{

        min-height:auto;

        padding:58px 0 48px;
    }


    .hero h1{

        font-size:39px;

        letter-spacing:-1.7px;
    }


    .hero h1 span::after{

        height:4px;

        bottom:-6px;
    }


    .hero-description{

        font-size:13px;

        line-height:1.8;
    }


    .hero-buttons{

        width:100%;

        flex-direction:column;
    }


    .btn-primary,
    .btn-secondary{

        width:100%;
    }


    .hero-trust{

        align-items:flex-start;

        justify-content:flex-start;

        text-align:left;
    }


    .hero-visual{

        min-height:360px;

        width:100%;
    }


    .hero-card-main{

        width:calc(100% - 30px);

        min-height:285px;

        padding:23px;

        border-radius:20px;
    }


    .hero-card-top h3{

        font-size:18px;
    }


    .hero-card-middle strong{

        font-size:16px;
    }


    .hero-card-bottom{

        left:23px;

        right:23px;

        bottom:22px;
    }


    .floating-card{

        min-width:125px;

        padding:10px 11px;

        gap:8px;
    }


    .floating-card-one{

        left:-2px;

        top:32px;
    }


    .floating-card-two{

        right:-2px;

        bottom:30px;
    }


    .floating-icon{

        width:34px;

        height:34px;

        flex-basis:34px;

        font-size:13px;
    }


    .floating-card strong{

        font-size:12px;
    }


    .floating-card span{

        font-size:9px;
    }


    .stats-grid{

        grid-template-columns:1fr;
    }


    .stat-item,
    .stat-item:first-child,
    .stat-item:last-child{

        min-height:88px;

        padding:18px 0;

        border-right:none;

        border-bottom:1px solid #EDF1F5;
    }


    .stat-item:last-child{

        border-bottom:none;
    }


    .about-section,
    .values-section,
    .faq-section,
    .contact-section{

        padding:70px 0;
    }


    .section-heading{

        margin-bottom:38px;
    }


    .section-heading h2{

        font-size:31px;
    }


    .about-intro{

        grid-template-columns:42px 1fr;

        gap:13px;
    }


    .about-number{

        width:40px;

        height:40px;
    }


    .about-intro h3{

        font-size:17px;
    }


    .about-intro p{

        font-size:12px;
    }


    .company-profile-card{

        padding:25px;

        border-radius:19px;
    }


    .company-profile-card h3{

        font-size:21px;
    }


    .profile-details{

        grid-template-columns:1fr;
    }


    .value-card{

        padding:25px;

        border-radius:17px;
    }


    .value-card h3{

        font-size:18px;
    }


    .faq-section{

        padding-top:70px;

        padding-bottom:70px;
    }


    .section-title h2{

        font-size:30px;
    }


    .faq-question{

        min-height:61px;

        padding:15px;

        font-size:12px;
    }


    .faq-answer{

        padding-inline:15px;
    }


    .faq-item.active .faq-answer{

        padding-inline:15px;

        padding-bottom:18px;
    }


    .faq-answer p{

        font-size:12px;
    }


    .cta-section{

        padding:55px 0;
    }


    .cta-content{

        width:91%;

        gap:25px;
    }


    .cta-text h2{

        font-size:29px;
    }


    .cta-text p{

        font-size:12px;
    }


    .cta-buttons{

        width:100%;

        flex-direction:column;
    }


    .cta-buttons .btn{

        width:100%;
    }


    .contact-grid{

        grid-template-columns:1fr;

        width:91%;
    }


    .contact-main{

        width:91%;
    }


    .contact-description h2{

        font-size:29px;
    }


    .contact-form-box{

        padding:22px;

        border-radius:17px;
    }


    .form-row{

        grid-template-columns:1fr;

        gap:17px;
    }


    .footer-container{

        width:91%;

        grid-template-columns:1fr;

        gap:35px;

        padding:55px 0 40px;
    }


    .footer-company{

        grid-column:auto;
    }


    .footer-bottom-container{

        width:91%;

        min-height:auto;

        padding:18px 0;

        flex-direction:column;

        align-items:flex-start;

        gap:10px;
    }


    .footer-legal-links{

        flex-wrap:wrap;

        gap:12px;
    }


    .trust-container{

        width:91%;

        grid-template-columns:1fr;
    }


    .trust-container .trust-item,
    .trust-container .trust-item:first-child,
    .trust-container .trust-item:last-child{

        padding:20px 0;

        border-right:none;

        border-bottom:1px solid rgba(255,255,255,.10);
    }


    .trust-container .trust-item:last-child{

        border-bottom:none;
    }


    .floating-whatsapp{

        right:15px;

        bottom:15px;

        min-width:45px;

        height:45px;

        padding:0 14px;

        font-size:10px;
    }


    .back-to-top{

        right:15px;

        bottom:70px;

        width:39px;

        height:39px;
    }

}


/* =========================================================
   19. SMALL PHONES — 400px
========================================================= */

@media(max-width:400px){

    .brand-text strong{

        font-size:13px;
    }


    .hero h1{

        font-size:34px;

        letter-spacing:-1.4px;
    }


    .hero-badge{

        font-size:9px;

        padding:7px 10px;
    }


    .hero-visual{

        min-height:330px;
    }


    .hero-card-main{

        width:calc(100% - 10px);

        min-height:270px;

        padding:20px;
    }


    .floating-card{

        transform:scale(.88);
    }


    .floating-card-one{

        left:-9px;
    }


    .floating-card-two{

        right:-9px;
    }


    .section-heading h2,
    .section-title h2{

        font-size:28px;
    }


    .contact-form-box{

        padding:19px;
    }

}


/* =========================================================
   20. ACCESSIBILITY / REDUCED MOTION
========================================================= */

@media(prefers-reduced-motion:reduce){

    html{

        scroll-behavior:auto;
    }


    *,
    *::before,
    *::after{

        transition:none !important;

        animation:none !important;
    }

}

/* =========================================================
   SPARK MICROFINANCE — STYLE SHEET
   PART 2
   ABOUT • VALUES • FAQ • CTA
========================================================= */


/* =========================================================
   TRUST & COMPLIANCE
========================================================= */

.trust-section{
    background:var(--spark-dark);
    color:#fff;
    padding:34px 0;
}

.trust-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:0;
}

.trust-item{
    display:flex;
    align-items:flex-start;
    gap:16px;
    padding:8px 30px;
    border-right:1px solid rgba(255,255,255,.10);
}

.trust-item:first-child{
    padding-left:0;
}

.trust-item:last-child{
    padding-right:0;
    border-right:none;
}

.trust-item-icon{
    width:46px;
    height:46px;
    min-width:46px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:13px;
    background:rgba(255,196,0,.12);
    color:var(--spark-yellow);
    font-size:17px;
}

.trust-item strong{
    display:block;
    margin-bottom:5px;
    color:#fff;
    font-family:'Poppins',sans-serif;
    font-size:13px;
    font-weight:700;
}

.trust-item p{
    margin:0;
    color:#94a3b8;
    font-size:11px;
    line-height:1.7;
}


/* =========================================================
   ABOUT SECTION
========================================================= */

.about-section{
    background:#fff;
    padding:100px 0;
}

.section-heading{
    max-width:720px;
    margin-bottom:55px;
}

.section-heading.centered{
    margin-left:auto;
    margin-right:auto;
    text-align:center;
}

.section-label{
    display:flex;
    align-items:center;
    gap:9px;
    margin-bottom:15px;
    color:var(--spark-blue);
    font-size:10px;
    font-weight:800;
    letter-spacing:2px;
}

.section-heading.centered .section-label{
    justify-content:center;
}

.section-label span{
    width:26px;
    height:2px;
    display:inline-block;
    background:var(--spark-yellow);
    border-radius:20px;
}

.section-heading h2{
    margin:0 0 16px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:clamp(31px,4vw,46px);
    font-weight:800;
    line-height:1.18;
    letter-spacing:-1.3px;
}

.section-heading h2 span{
    color:var(--spark-blue);
}

.section-heading p{
    margin:0;
    color:#64748b;
    font-size:14px;
    line-height:1.85;
}


/* =========================================================
   ABOUT GRID
========================================================= */

.about-grid{
    display:grid;
    grid-template-columns:1.05fr .95fr;
    gap:70px;
    align-items:center;
}

.about-content{
    display:flex;
    flex-direction:column;
    gap:30px;
}

.about-intro{
    display:grid;
    grid-template-columns:52px 1fr;
    gap:20px;
    align-items:start;
}

.about-number{
    width:48px;
    height:48px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:14px;
    background:#eef6ff;
    color:var(--spark-blue);
    font-family:'Poppins',sans-serif;
    font-size:13px;
    font-weight:800;
}

.about-intro h3{
    margin:0 0 8px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:19px;
    font-weight:700;
}

.about-intro p{
    margin:0;
    color:#64748b;
    font-size:13px;
    line-height:1.85;
}

.about-highlight{
    display:flex;
    align-items:center;
    gap:15px;
    margin-top:3px;
    padding:17px 19px;
    border:1px solid #e4edf7;
    border-left:4px solid var(--spark-yellow);
    border-radius:13px;
    background:#f8fbff;
}

.about-highlight-icon{
    width:42px;
    height:42px;
    min-width:42px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:11px;
    background:#e9f3ff;
    color:var(--spark-blue);
}

.about-highlight strong{
    display:block;
    margin-bottom:3px;
    color:var(--spark-dark);
    font-size:13px;
    font-weight:700;
}

.about-highlight p{
    margin:0;
    color:#64748b;
    font-size:11px;
    line-height:1.6;
}


/* =========================================================
   COMPANY PROFILE CARD
========================================================= */

.company-profile-card{
    position:relative;
    overflow:hidden;
    padding:38px;
    border:1px solid #e2e8f0;
    border-radius:24px;
    background:
        linear-gradient(
            145deg,
            #ffffff 0%,
            #f8fbff 100%
        );
    box-shadow:
        0 22px 55px rgba(15,23,42,.09);
}

.company-profile-card::before{
    content:"";
    position:absolute;
    width:180px;
    height:180px;
    top:-90px;
    right:-90px;
    border-radius:50%;
    background:rgba(7,86,166,.06);
}

.company-profile-card::after{
    content:"";
    position:absolute;
    width:120px;
    height:120px;
    bottom:-70px;
    left:-60px;
    border-radius:50%;
    background:rgba(255,196,0,.08);
}

.profile-card-top{
    position:relative;
    z-index:1;
    display:flex;
    align-items:center;
    justify-content:space-between;
    margin-bottom:28px;
}

.profile-logo{
    width:50px;
    height:50px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:14px;
    background:var(--spark-blue);
    color:#fff;
    font-size:20px;
    box-shadow:
        0 10px 25px rgba(7,86,166,.20);
}

.profile-card-top > span{
    color:#94a3b8;
    font-size:9px;
    font-weight:800;
    letter-spacing:2px;
}

.company-profile-card h3{
    position:relative;
    z-index:1;
    max-width:430px;
    margin:0 0 13px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:25px;
    line-height:1.3;
    font-weight:800;
}

.company-profile-card > p{
    position:relative;
    z-index:1;
    margin:0;
    color:#64748b;
    font-size:13px;
    line-height:1.8;
}

.profile-divider{
    height:1px;
    margin:28px 0;
    background:#e2e8f0;
}

.profile-details{
    position:relative;
    z-index:1;
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:18px;
}

.profile-details > div{
    display:flex;
    align-items:center;
    gap:10px;
    color:#475569;
    font-size:11px;
    font-weight:600;
}

.profile-details i{
    color:var(--spark-blue);
    font-size:14px;
}

.profile-footer{
    position:relative;
    z-index:1;
    display:flex;
    align-items:center;
    gap:9px;
    margin-top:30px;
    padding-top:18px;
    border-top:1px solid #e8edf3;
    color:#64748b;
    font-size:10px;
    font-weight:600;
}

.profile-footer i{
    color:var(--spark-yellow);
}


/* =========================================================
   VALUES SECTION
========================================================= */

.values-section{
    position:relative;
    padding:100px 0;
    background:#f7faff;
}

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

.value-card{
    position:relative;
    overflow:hidden;
    min-height:355px;
    padding:34px;
    border:1px solid #e3eaf2;
    border-radius:20px;
    background:#fff;
    box-shadow:
        0 12px 35px rgba(15,23,42,.05);
    transition:
        transform .3s ease,
        box-shadow .3s ease,
        border-color .3s ease;
}

.value-card:hover{
    transform:translateY(-6px);
    border-color:#d5e2ef;
    box-shadow:
        0 20px 45px rgba(15,23,42,.10);
}

.value-icon{
    width:50px;
    height:50px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:22px;
    border-radius:14px;
    background:#edf6ff;
    color:var(--spark-blue);
    font-size:18px;
}

.value-number{
    display:block;
    margin-bottom:8px;
    color:#cbd5e1;
    font-family:'Poppins',sans-serif;
    font-size:11px;
    font-weight:800;
    letter-spacing:1px;
}

.value-card h3{
    margin:0 0 13px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:20px;
    font-weight:700;
}

.value-card p{
    margin:0;
    color:#64748b;
    font-size:12.5px;
    line-height:1.85;
}

.value-line{
    position:absolute;
    left:34px;
    bottom:0;
    width:65px;
    height:4px;
    border-radius:5px 5px 0 0;
    background:var(--spark-yellow);
}

.mission-card .value-icon{
    background:#eef6ff;
    color:var(--spark-blue);
}

.vision-card .value-icon{
    background:#fff8df;
    color:#d99f00;
}

.values-card .value-icon{
    background:#eefaf4;
    color:#16805a;
}


/* =========================================================
   CORE VALUES LIST
========================================================= */

.values-card ul{
    display:flex;
    flex-direction:column;
    gap:10px;
    margin:0;
    padding:0;
    list-style:none;
}

.values-card li{
    display:flex;
    align-items:center;
    gap:10px;
    color:#475569;
    font-size:12px;
    font-weight:600;
}

.values-card li i{
    width:18px;
    height:18px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    background:#eaf7f1;
    color:#159669;
    font-size:8px;
}


/* =========================================================
   FAQ SECTION
========================================================= */

.faq-section{
    padding:100px 0;
    background:#fff;
}

.section-title{
    max-width:700px;
    margin:0 auto 50px;
    text-align:center;
}

.section-tag{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin-bottom:13px;
    color:var(--spark-blue);
    font-size:10px;
    font-weight:800;
    letter-spacing:2px;
}

.section-title h2{
    margin:0 0 13px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:clamp(30px,4vw,42px);
    font-weight:800;
    line-height:1.2;
    letter-spacing:-1px;
}

.section-title p{
    margin:0;
    color:#64748b;
    font-size:13px;
    line-height:1.8;
}

.faq-container{
    max-width:850px;
    margin:0 auto;
}

.faq-item{
    overflow:hidden;
    margin-bottom:12px;
    border:1px solid #e2e8f0;
    border-radius:14px;
    background:#fff;
    transition:
        border-color .25s ease,
        box-shadow .25s ease;
}

.faq-item:hover{
    border-color:#cddbea;
}

.faq-item.active{
    border-color:#c9dced;
    box-shadow:
        0 10px 30px rgba(15,23,42,.06);
}

.faq-question{
    width:100%;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:20px;
    padding:20px 22px;
    border:0;
    outline:0;
    background:transparent;
    color:var(--spark-dark);
    font-family:'Inter',sans-serif;
    font-size:13px;
    font-weight:700;
    text-align:left;
    cursor:pointer;
}

.faq-icon{
    width:28px;
    height:28px;
    min-width:28px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    background:#eef5fc;
    color:var(--spark-blue);
    font-size:18px;
    font-weight:500;
    transition:
        transform .3s ease,
        background .3s ease;
}

.faq-item.active .faq-icon{
    transform:rotate(45deg);
    background:var(--spark-blue);
    color:#fff;
}

.faq-answer{
    display:grid;
    grid-template-rows:0fr;
    transition:grid-template-rows .35s ease;
}

.faq-answer > *{
    overflow:hidden;
}

.faq-item.active .faq-answer{
    grid-template-rows:1fr;
}

.faq-answer p{
    margin:0;
    padding:0 22px 18px;
    color:#64748b;
    font-size:12.5px;
    line-height:1.85;
}

.faq-answer p + p{
    padding-top:0;
}

.faq-answer ul{
    margin:0;
    padding:0 22px 20px 42px;
    color:#64748b;
    font-size:12px;
    line-height:1.9;
}

.faq-answer li{
    margin-bottom:4px;
}

.faq-answer strong{
    color:#334155;
}


/* =========================================================
   CTA SECTION
========================================================= */

.cta-section{
    position:relative;
    overflow:hidden;
    margin:0;
    padding:70px 0;
    background:
        linear-gradient(
            135deg,
            var(--spark-blue-dark),
            var(--spark-blue)
        );
}

.cta-section::before{
    content:"";
    position:absolute;
    width:420px;
    height:420px;
    top:-230px;
    right:-120px;
    border-radius:50%;
    border:1px solid rgba(255,255,255,.10);
}

.cta-section::after{
    content:"";
    position:absolute;
    width:260px;
    height:260px;
    bottom:-180px;
    left:-90px;
    border-radius:50%;
    border:1px solid rgba(255,196,0,.20);
}

.cta-content{
    position:relative;
    z-index:2;
    max-width:1150px;
    margin:0 auto;
    padding:0 25px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:45px;
}

.cta-text{
    max-width:700px;
}

.cta-text .section-tag{
    color:var(--spark-yellow);
}

.cta-text h2{
    margin:0 0 13px;
    color:#fff;
    font-family:'Poppins',sans-serif;
    font-size:clamp(29px,4vw,43px);
    font-weight:800;
    line-height:1.2;
    letter-spacing:-1px;
}

.cta-text p{
    margin:0;
    color:rgba(255,255,255,.78);
    font-size:13px;
    line-height:1.85;
}

.cta-buttons{
    display:flex;
    align-items:center;
    gap:12px;
    flex-shrink:0;
}

.cta-buttons .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    min-width:145px;
    padding:13px 20px;
    border:1px solid rgba(255,255,255,.20);
    border-radius:9px;
    background:var(--spark-yellow);
    color:#172033;
    font-size:12px;
    font-weight:800;
    transition:.3s ease;
}

.cta-buttons .btn:hover{
    transform:translateY(-2px);
    box-shadow:
        0 12px 25px rgba(0,0,0,.18);
}

.cta-buttons .btn.btn-light{
    background:rgba(255,255,255,.10);
    border-color:rgba(255,255,255,.30);
    color:#fff;
}

.cta-buttons .btn.btn-light:hover{
    background:#fff;
    color:var(--spark-blue);
}


/* =========================================================
   RESPONSIVE — ABOUT / VALUES / FAQ / CTA
========================================================= */

@media(max-width:1000px){

    .trust-grid{
        grid-template-columns:1fr;
        gap:22px;
    }

    .trust-item{
        padding:0 0 22px;
        border-right:none;
        border-bottom:1px solid rgba(255,255,255,.10);
    }

    .trust-item:last-child{
        padding-bottom:0;
        border-bottom:none;
    }

    .about-grid{
        grid-template-columns:1fr;
        gap:50px;
    }

    .company-profile-card{
        max-width:650px;
        width:100%;
        margin:0 auto;
    }

    .values-grid{
        grid-template-columns:1fr;
        max-width:650px;
        margin:0 auto;
    }

    .value-card{
        min-height:auto;
    }

    .cta-content{
        flex-direction:column;
        align-items:flex-start;
    }

}


@media(max-width:600px){

    .about-section,
    .values-section,
    .faq-section{
        padding:70px 0;
    }

    .trust-section{
        padding:30px 0;
    }

    .trust-item{
        gap:12px;
    }

    .trust-item-icon{
        width:42px;
        height:42px;
        min-width:42px;
    }

    .section-heading{
        margin-bottom:40px;
    }

    .section-heading h2{
        font-size:31px;
    }

    .about-grid{
        gap:40px;
    }

    .about-intro{
        grid-template-columns:43px 1fr;
        gap:14px;
    }

    .about-number{
        width:42px;
        height:42px;
    }

    .about-intro h3{
        font-size:17px;
    }

    .about-intro p{
        font-size:12px;
    }

    .company-profile-card{
        padding:27px;
        border-radius:19px;
    }

    .company-profile-card h3{
        font-size:22px;
    }

    .profile-details{
        grid-template-columns:1fr;
        gap:14px;
    }

    .values-grid{
        gap:16px;
    }

    .value-card{
        padding:28px;
    }

    .faq-section{
        padding-left:15px;
        padding-right:15px;
    }

    .faq-question{
        padding:17px;
        font-size:12px;
    }

    .faq-answer p{
        padding-left:17px;
        padding-right:17px;
    }

    .faq-answer ul{
        padding-left:35px;
        padding-right:17px;
    }

    .cta-section{
        padding:55px 0;
    }

    .cta-content{
        padding:0 20px;
        gap:28px;
    }

    .cta-text h2{
        font-size:30px;
    }

    .cta-buttons{
        width:100%;
        flex-direction:column;
    }

    .cta-buttons .btn{
        width:100%;
    }

}

/* =========================================================
   SPARK MICROFINANCE
   STYLE SHEET — PART 3
   CONTACT • FOOTER • FLOATING BUTTONS • FINAL RESPONSIVE
========================================================= */


/* =========================================================
   CONTACT SECTION
========================================================= */

.contact-section{
    padding:100px 0;
    background:#f8fafc;
}

.contact-grid{
    max-width:1150px;
    margin:0 auto 65px;
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:18px;
}

.contact-card{
    padding:28px 22px;
    border:1px solid #e3eaf2;
    border-radius:17px;
    background:#fff;
    text-align:center;
    box-shadow:
        0 8px 25px rgba(15,23,42,.04);
    transition:
        transform .3s ease,
        box-shadow .3s ease,
        border-color .3s ease;
}

.contact-card:hover{
    transform:translateY(-5px);
    border-color:#cbdceb;
    box-shadow:
        0 16px 35px rgba(15,23,42,.08);
}

.contact-icon{
    width:50px;
    height:50px;
    margin:0 auto 16px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:14px;
    background:#edf6ff;
    color:var(--spark-blue);
    font-size:20px;
}

.contact-card h3{
    margin:0 0 9px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:16px;
    font-weight:700;
}

.contact-card p{
    margin:0;
    color:#64748b;
    font-size:11.5px;
    line-height:1.8;
}

.contact-card a{
    color:#64748b;
    transition:.25s ease;
}

.contact-card a:hover{
    color:var(--spark-blue);
}


/* =========================================================
   CONTACT MAIN
========================================================= */

.contact-main{
    max-width:1150px;
    margin:0 auto;
    display:grid;
    grid-template-columns:.9fr 1.1fr;
    gap:55px;
    align-items:start;
}

.contact-description{
    padding-top:10px;
}

.contact-description .section-tag{
    margin-bottom:12px;
}

.contact-description h2{
    margin:0 0 17px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:clamp(29px,4vw,42px);
    line-height:1.2;
    letter-spacing:-1px;
}

.contact-description > p{
    margin:0 0 15px;
    color:#64748b;
    font-size:13px;
    line-height:1.85;
}

.contact-description strong{
    color:#334155;
}

.contact-actions{
    display:flex;
    flex-wrap:wrap;
    gap:11px;
    margin-top:27px;
}

.contact-action{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    padding:13px 18px;
    border-radius:9px;
    font-size:11.5px;
    font-weight:700;
    transition:.3s ease;
}

.contact-action.primary{
    background:var(--spark-blue);
    color:#fff;
    box-shadow:
        0 8px 20px rgba(7,86,166,.18);
}

.contact-action.primary:hover{
    background:var(--spark-blue-dark);
    transform:translateY(-2px);
}

.contact-action.whatsapp{
    background:#eaf8f0;
    color:#128557;
    border:1px solid #cfeedd;
}

.contact-action.whatsapp:hover{
    background:#dff5e9;
    transform:translateY(-2px);
}


/* =========================================================
   CONTACT FORM
========================================================= */

.contact-form-box{
    padding:35px;
    border:1px solid #e1e8f0;
    border-radius:22px;
    background:#fff;
    box-shadow:
        0 18px 45px rgba(15,23,42,.07);
}

.form-header{
    margin-bottom:28px;
}

.form-header .section-tag{
    margin-bottom:8px;
}

.form-header h3{
    margin:0 0 7px;
    color:var(--spark-dark);
    font-family:'Poppins',sans-serif;
    font-size:23px;
    font-weight:800;
}

.form-header p{
    margin:0;
    color:#94a3b8;
    font-size:11.5px;
    line-height:1.7;
}

.professional-form{
    display:flex;
    flex-direction:column;
    gap:18px;
}

.form-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:15px;
}

.form-group{
    display:flex;
    flex-direction:column;
    gap:7px;
}

.form-group label{
    color:#334155;
    font-size:11px;
    font-weight:700;
}

.form-group input,
.form-group select,
.form-group textarea{
    width:100%;
    box-sizing:border-box;
    border:1px solid #dbe4ed;
    border-radius:9px;
    outline:none;
    background:#fbfdff;
    color:#334155;
    font-family:'Inter',sans-serif;
    font-size:12px;
    transition:
        border-color .25s ease,
        box-shadow .25s ease,
        background .25s ease;
}

.form-group input,
.form-group select{
    height:45px;
    padding:0 13px;
}

.form-group textarea{
    min-height:125px;
    padding:13px;
    resize:vertical;
}

.form-group input::placeholder,
.form-group textarea::placeholder{
    color:#a3afbd;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{
    border-color:var(--spark-blue);
    background:#fff;
    box-shadow:
        0 0 0 3px rgba(7,86,166,.08);
}

.form-submit{
    width:100%;
    min-height:47px;
    margin-top:2px;
    border:0;
    border-radius:9px;
    background:var(--spark-blue);
    color:#fff;
    font-family:'Inter',sans-serif;
    font-size:12px;
    font-weight:800;
    cursor:pointer;
    box-shadow:
        0 9px 22px rgba(7,86,166,.20);
    transition:.3s ease;
}

.form-submit:hover{
    background:var(--spark-blue-dark);
    transform:translateY(-2px);
    box-shadow:
        0 13px 27px rgba(7,86,166,.26);
}


/* =========================================================
   LEGAL / TRUST STRIP
========================================================= */

.trust-container{
    max-width:1150px;
    margin:0 auto;
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:0;
}

.trust-section .trust-container .trust-item{
    padding:12px 28px;
}

.trust-section .trust-container .trust-item:first-child{
    padding-left:0;
}

.trust-section .trust-container .trust-item:last-child{
    padding-right:0;
}

.trust-container .trust-item h3{
    margin:0 0 5px;
    color:#fff;
    font-family:'Poppins',sans-serif;
    font-size:13px;
    font-weight:700;
}

.trust-container .trust-item p{
    margin:0;
    color:#94a3b8;
    font-size:11px;
    line-height:1.65;
}

.trust-container .trust-icon{
    width:42px;
    height:42px;
    min-width:42px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:11px;
    background:rgba(255,196,0,.12);
    color:var(--spark-yellow);
    font-size:15px;
}


/* =========================================================
   FOOTER
========================================================= */

.site-footer{
    background:#071426;
    color:#fff;
}

.footer-container{
    max-width:1150px;
    margin:0 auto;
    padding:75px 25px 60px;
    display:grid;
    grid-template-columns:1.35fr .8fr .9fr 1.15fr;
    gap:50px;
}

.footer-column h3{
    margin:0 0 21px;
    color:#fff;
    font-family:'Poppins',sans-serif;
    font-size:14px;
    font-weight:700;
}

.footer-company > p{
    max-width:330px;
    margin:20px 0 22px;
    color:#8fa0b5;
    font-size:11.5px;
    line-height:1.8;
}

.footer-brand{
    display:flex;
    align-items:center;
    gap:12px;
}

.footer-logo-mark{
    width:43px;
    height:43px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:12px;
    background:var(--spark-blue);
    color:#fff;
    font-family:'Poppins',sans-serif;
    font-size:18px;
    font-weight:800;
}

.footer-brand h3{
    margin:0 0 2px;
    font-size:14px;
}

.footer-brand span{
    display:block;
    color:#71849b;
    font-size:9px;
    letter-spacing:.7px;
}


/* =========================================================
   FOOTER SOCIALS
========================================================= */

.footer-socials{
    display:flex;
    align-items:center;
    gap:9px;
}

.footer-socials a{
    width:34px;
    height:34px;
    display:flex;
    align-items:center;
    justify-content:center;
    border:1px solid rgba(255,255,255,.10);
    border-radius:9px;
    background:rgba(255,255,255,.04);
    color:#b8c4d2;
    font-size:11px;
    font-weight:700;
    transition:.25s ease;
}

.footer-socials a:hover{
    background:var(--spark-blue);
    border-color:var(--spark-blue);
    color:#fff;
    transform:translateY(-2px);
}


/* =========================================================
   FOOTER LINKS
========================================================= */

.footer-column ul{
    display:flex;
    flex-direction:column;
    gap:11px;
    margin:0;
    padding:0;
    list-style:none;
}

.footer-column ul li a{
    color:#8fa0b5;
    font-size:11.5px;
    transition:
        color .25s ease,
        padding-left .25s ease;
}

.footer-column ul li a:hover{
    padding-left:5px;
    color:#fff;
}


/* =========================================================
   FOOTER CONTACT
========================================================= */

.footer-contact p{
    display:flex;
    align-items:flex-start;
    gap:9px;
    margin:0 0 13px;
    color:#8fa0b5;
    font-size:11px;
    line-height:1.65;
}

.footer-contact a{
    color:#8fa0b5;
    transition:.25s ease;
}

.footer-contact a:hover{
    color:#fff;
}

.footer-contact-icon{
    width:18px;
    min-width:18px;
    color:var(--spark-yellow);
}


/* =========================================================
   FOOTER BOTTOM
========================================================= */

.footer-bottom{
    border-top:1px solid rgba(255,255,255,.08);
    background:#05101f;
}

.footer-bottom-container{
    max-width:1150px;
    min-height:68px;
    margin:0 auto;
    padding:0 25px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:25px;
}

.footer-bottom p{
    margin:0;
    color:#64778e;
    font-size:10.5px;
}

.footer-bottom strong{
    color:#9cadc0;
}

.footer-legal-links{
    display:flex;
    align-items:center;
    gap:20px;
}

.footer-legal-links a{
    color:#64778e;
    font-size:10.5px;
    transition:.25s ease;
}

.footer-legal-links a:hover{
    color:#fff;
}


/* =========================================================
   FLOATING WHATSAPP
========================================================= */

.floating-whatsapp{
    position:fixed;
    right:24px;
    bottom:25px;
    z-index:999;
    display:flex;
    align-items:center;
    justify-content:center;
    min-width:58px;
    height:58px;
    padding:0 18px;
    border-radius:50px;
    background:#20c063;
    color:#fff;
    box-shadow:
        0 12px 30px rgba(0,0,0,.18);
    font-size:11px;
    font-weight:800;
    transition:
        transform .3s ease,
        box-shadow .3s ease;
}

.floating-whatsapp::before{
    content:"\f232";
    margin-right:8px;
    font-family:"Font Awesome 6 Brands";
    font-size:20px;
}

.floating-whatsapp:hover{
    transform:translateY(-4px) scale(1.03);
    box-shadow:
        0 17px 35px rgba(0,0,0,.22);
}


/* =========================================================
   BACK TO TOP
========================================================= */

.back-to-top{
    position:fixed;
    right:25px;
    bottom:95px;
    z-index:998;
    width:43px;
    height:43px;
    display:flex;
    align-items:center;
    justify-content:center;
    border:1px solid #dbe4ed;
    border-radius:11px;
    background:#fff;
    color:var(--spark-blue);
    font-size:18px;
    font-weight:700;
    cursor:pointer;
    opacity:0;
    visibility:hidden;
    transform:translateY(12px);
    box-shadow:
        0 8px 25px rgba(15,23,42,.12);
    transition:
        opacity .3s ease,
        visibility .3s ease,
        transform .3s ease,
        background .25s ease;
}

.back-to-top.show{
    opacity:1;
    visibility:visible;
    transform:translateY(0);
}

.back-to-top:hover{
    background:var(--spark-blue);
    color:#fff;
    border-color:var(--spark-blue);
}


/* =========================================================
   GLOBAL LINK RESET
========================================================= */

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

button,
input,
select,
textarea{
    font-family:inherit;
}


/* =========================================================
   SELECTION
========================================================= */

::selection{
    background:var(--spark-blue);
    color:#fff;
}


/* =========================================================
   SMOOTH FOCUS
========================================================= */

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible{
    outline:3px solid rgba(7,86,166,.20);
    outline-offset:2px;
}


/* =========================================================
   FINAL RESPONSIVE
========================================================= */

@media(max-width:1000px){

    .contact-grid{
        grid-template-columns:repeat(2,1fr);
        padding:0 25px;
    }

    .contact-main{
        grid-template-columns:1fr;
        gap:45px;
        padding:0 25px;
    }

    .contact-description{
        max-width:700px;
    }

    .trust-container{
        grid-template-columns:1fr;
        gap:0;
        padding:0 25px;
    }

    .trust-section .trust-container .trust-item{
        padding:18px 0;
        border-right:0;
        border-bottom:1px solid rgba(255,255,255,.10);
    }

    .trust-section .trust-container .trust-item:first-child{
        padding-top:0;
    }

    .trust-section .trust-container .trust-item:last-child{
        padding-bottom:0;
        border-bottom:0;
    }

    .footer-container{
        grid-template-columns:1fr 1fr;
        gap:45px 35px;
    }

}


@media(max-width:700px){

    .contact-section{
        padding:70px 0;
    }

    .contact-grid{
        grid-template-columns:1fr;
        gap:13px;
        padding:0 18px;
        margin-bottom:50px;
    }

    .contact-card{
        padding:23px 20px;
    }

    .contact-main{
        padding:0 18px;
    }

    .contact-description h2{
        font-size:30px;
    }

    .contact-actions{
        flex-direction:column;
    }

    .contact-action{
        width:100%;
        box-sizing:border-box;
    }

    .contact-form-box{
        padding:25px 20px;
        border-radius:18px;
    }

    .form-row{
        grid-template-columns:1fr;
        gap:18px;
    }

    .footer-container{
        grid-template-columns:1fr;
        gap:38px;
        padding:55px 22px 45px;
    }

    .footer-company > p{
        max-width:100%;
    }

    .footer-bottom-container{
        min-height:auto;
        padding:20px 22px;
        flex-direction:column;
        align-items:flex-start;
        gap:12px;
    }

    .footer-legal-links{
        gap:15px;
    }

    .floating-whatsapp{
        right:17px;
        bottom:18px;
        height:52px;
        min-width:52px;
        padding:0 16px;
    }

    .back-to-top{
        right:17px;
        bottom:82px;
        width:40px;
        height:40px;
    }

}


@media(max-width:420px){

    .contact-card{
        padding:22px 16px;
    }

    .contact-form-box{
        padding:22px 16px;
    }

    .form-header h3{
        font-size:20px;
    }

    .footer-container{
        padding-left:18px;
        padding-right:18px;
    }

    .footer-bottom-container{
        padding-left:18px;
        padding-right:18px;
    }

    .footer-legal-links{
        flex-direction:column;
        align-items:flex-start;
        gap:8px;
    }

    .floating-whatsapp span{
        display:none;
    }

    .floating-whatsapp{
        width:52px;
        min-width:52px;
        padding:0;
    }

    .floating-whatsapp::before{
        margin:0;
    }

}


/* =========================================================
   SUBTLE PAGE ANIMATION
========================================================= */

@media(prefers-reduced-motion:no-preference){

    .hero-content,
    .hero-visual{
        animation:spkFadeUp .7s ease both;
    }

    .hero-visual{
        animation-delay:.12s;
    }

}

@keyframes spkFadeUp{

    from{
        opacity:0;
        transform:translateY(18px);
    }

    to{
        opacity:1;
        transform:translateY(0);
    }

}


/* =========================================================
   SPARK MICROFINANCE
   STYLE.CSS — PART 4
   FAQ • CTA • CONTACT
========================================================= */


/* =========================================================
   FAQ SECTION
========================================================= */

.faq-section{

    padding:100px 24px;

    background:#f8fafc;

    position:relative;

    overflow:hidden;
}


.faq-section::before{

    content:"";

    position:absolute;

    width:420px;
    height:420px;

    top:-220px;
    right:-180px;

    border-radius:50%;

    background:rgba(7,86,166,.035);

    pointer-events:none;
}


.faq-section::after{

    content:"";

    position:absolute;

    width:300px;
    height:300px;

    bottom:-180px;
    left:-130px;

    border-radius:50%;

    background:rgba(255,196,0,.045);

    pointer-events:none;
}


/* =========================================================
   SECTION TITLE
========================================================= */

.section-title{

    max-width:720px;

    margin:0 auto 52px;

    text-align:center;

    position:relative;

    z-index:2;
}


.section-tag{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    gap:7px;

    margin-bottom:13px;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;
}


.section-tag::before{

    content:"";

    width:23px;

    height:2px;

    border-radius:5px;

    background:var(--spark-yellow);
}


.section-title h2{

    margin:0 0 14px;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:clamp(30px,4vw,43px);

    line-height:1.18;

    letter-spacing:-1px;

    font-weight:800;
}


.section-title p{

    max-width:620px;

    margin:0 auto;

    color:#64748b;

    font-size:13px;

    line-height:1.85;
}


/* =========================================================
   FAQ CONTAINER
========================================================= */

.faq-container{

    width:100%;

    max-width:850px;

    margin:0 auto;

    position:relative;

    z-index:2;
}


/* =========================================================
   FAQ ITEM
========================================================= */

.faq-item{

    margin-bottom:11px;

    border:1px solid #e2e8f0;

    border-radius:13px;

    background:#fff;

    overflow:hidden;

    box-shadow:
        0 5px 18px rgba(15,23,42,.025);

    transition:
        border-color .25s ease,
        box-shadow .25s ease;
}


.faq-item:hover{

    border-color:#cdd9e6;

    box-shadow:
        0 9px 25px rgba(15,23,42,.055);
}


.faq-item.active{

    border-color:#c8d9ea;

    box-shadow:
        0 12px 30px rgba(15,23,42,.065);
}


/* =========================================================
   FAQ QUESTION
========================================================= */

.faq-question{

    width:100%;

    min-height:67px;

    padding:18px 21px;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:20px;

    border:0;

    outline:0;

    background:#fff;

    color:#26364a;

    text-align:left;

    font-family:'Inter',sans-serif;

    font-size:13px;

    font-weight:700;

    cursor:pointer;

    transition:
        background .25s ease,
        color .25s ease;
}


.faq-question:hover{

    background:#fbfdff;

}


.faq-item.active
.faq-question{

    color:var(--spark-blue);

    background:#fbfdff;
}


/* =========================================================
   FAQ ICON
========================================================= */

.faq-icon{

    width:29px;

    height:29px;

    min-width:29px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:8px;

    background:#edf5fd;

    color:var(--spark-blue);

    font-size:18px;

    font-weight:500;

    line-height:1;

    transition:
        transform .3s ease,
        background .3s ease,
        color .3s ease;
}


.faq-item.active
.faq-icon{

    transform:rotate(45deg);

    background:var(--spark-blue);

    color:#fff;
}


/* =========================================================
   FAQ ANSWER
========================================================= */

.faq-answer{

    max-height:0;

    overflow:hidden;

    padding:0 21px;

    background:#fff;

    opacity:0;

    transition:
        max-height .4s ease,
        padding .35s ease,
        opacity .3s ease;
}


.faq-item.active
.faq-answer{

    max-height:500px;

    padding:0 21px 21px;

    opacity:1;
}


.faq-answer p{

    margin:0 0 11px;

    color:#64748b;

    font-size:12px;

    line-height:1.85;
}


.faq-answer p:last-child{

    margin-bottom:0;
}


.faq-answer strong{

    color:#334155;

    font-weight:700;
}


.faq-answer ul{

    margin:9px 0 0;

    padding-left:20px;

    color:#64748b;

    font-size:12px;

    line-height:1.9;
}


.faq-answer li{

    padding-left:3px;
}


.faq-answer li::marker{

    color:var(--spark-blue);
}


/* =========================================================
   CALL TO ACTION
========================================================= */

.cta-section{

    padding:75px 24px;

    background:
        linear-gradient(
            135deg,
            var(--spark-blue-dark) 0%,
            var(--spark-blue) 58%,
            #096dbd 100%
        );

    position:relative;

    overflow:hidden;
}


.cta-section::before{

    content:"";

    position:absolute;

    width:430px;
    height:430px;

    top:-270px;
    right:-130px;

    border-radius:50%;

    background:rgba(255,255,255,.07);
}


.cta-section::after{

    content:"";

    position:absolute;

    width:270px;
    height:270px;

    bottom:-190px;
    left:-110px;

    border-radius:50%;

    background:rgba(255,196,0,.10);
}


.cta-content{

    max-width:1100px;

    margin:0 auto;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:45px;

    position:relative;

    z-index:2;
}


.cta-text{

    max-width:680px;
}


.cta-text .section-tag{

    color:#ffe58a;

    margin-bottom:11px;
}


.cta-text .section-tag::before{

    background:var(--spark-yellow);
}


.cta-text h2{

    margin:0 0 13px;

    color:#fff;

    font-family:'Poppins',sans-serif;

    font-size:clamp(29px,4vw,43px);

    line-height:1.18;

    letter-spacing:-1px;

    font-weight:800;
}


.cta-text p{

    max-width:650px;

    margin:0;

    color:rgba(255,255,255,.76);

    font-size:13px;

    line-height:1.8;
}


/* =========================================================
   CTA BUTTONS
========================================================= */

.cta-buttons{

    display:flex;

    align-items:center;

    justify-content:flex-end;

    gap:11px;

    flex-shrink:0;
}


.cta-buttons .btn{

    min-width:135px;

    min-height:45px;

    padding:0 18px;

    display:inline-flex;

    align-items:center;

    justify-content:center;

    border-radius:9px;

    font-size:11.5px;

    font-weight:800;

    transition:.3s ease;
}


.cta-buttons .btn:not(.btn-light){

    background:#fff;

    color:var(--spark-blue);

    box-shadow:
        0 10px 25px rgba(0,0,0,.12);
}


.cta-buttons .btn:not(.btn-light):hover{

    transform:translateY(-3px);

    box-shadow:
        0 14px 30px rgba(0,0,0,.17);
}


.cta-buttons .btn-light{

    background:rgba(255,255,255,.10);

    color:#fff;

    border:1px solid rgba(255,255,255,.25);
}


.cta-buttons .btn-light:hover{

    background:rgba(255,255,255,.18);

    transform:translateY(-3px);
}


/* =========================================================
   CONTACT SECTION
========================================================= */

.contact-section{

    padding:100px 24px;

    background:#fff;

    position:relative;
}


.contact-grid{

    max-width:1150px;

    margin:0 auto 65px;

    display:grid;

    grid-template-columns:
        repeat(4,1fr);

    gap:17px;
}


/* =========================================================
   CONTACT CARD
========================================================= */

.contact-card{

    min-height:185px;

    padding:27px 20px;

    display:flex;

    flex-direction:column;

    align-items:center;

    justify-content:flex-start;

    text-align:center;

    border:1px solid #e3e9f0;

    border-radius:16px;

    background:#fff;

    box-shadow:
        0 7px 25px rgba(15,23,42,.035);

    transition:
        transform .3s ease,
        border-color .3s ease,
        box-shadow .3s ease;
}


.contact-card:hover{

    transform:translateY(-5px);

    border-color:#cbdbea;

    box-shadow:
        0 15px 35px rgba(15,23,42,.08);
}


/* =========================================================
   CONTACT ICON
========================================================= */

.contact-icon{

    width:48px;

    height:48px;

    margin-bottom:15px;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:13px;

    background:#edf5fd;

    color:var(--spark-blue);

    font-size:19px;
}


.contact-card h3{

    margin:0 0 8px;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:15px;

    font-weight:700;
}


.contact-card p{

    margin:0;

    color:#64748b;

    font-size:11.5px;

    line-height:1.8;
}


.contact-card a{

    color:#64748b;

    transition:.25s ease;
}


.contact-card a:hover{

    color:var(--spark-blue);
}


/* =========================================================
   CONTACT MAIN AREA
========================================================= */

.contact-main{

    max-width:1150px;

    margin:0 auto;

    display:grid;

    grid-template-columns:
        .9fr 1.1fr;

    gap:60px;

    align-items:start;
}


/* =========================================================
   CONTACT DESCRIPTION
========================================================= */

.contact-description{

    padding-top:8px;
}


.contact-description .section-tag{

    margin-bottom:10px;
}


.contact-description h2{

    margin:0 0 17px;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:clamp(29px,4vw,42px);

    line-height:1.2;

    letter-spacing:-1px;

    font-weight:800;
}


.contact-description > p{

    margin:0 0 14px;

    color:#64748b;

    font-size:13px;

    line-height:1.85;
}


.contact-description strong{

    color:#334155;

    font-weight:700;
}


/* =========================================================
   CONTACT ACTIONS
========================================================= */

.contact-actions{

    margin-top:25px;

    display:flex;

    flex-wrap:wrap;

    gap:10px;
}


.contact-action{

    min-height:43px;

    padding:0 17px;

    display:inline-flex;

    align-items:center;

    justify-content:center;

    gap:8px;

    border-radius:9px;

    font-size:11px;

    font-weight:800;

    transition:.3s ease;
}


.contact-action.primary{

    background:var(--spark-blue);

    color:#fff;

    box-shadow:
        0 8px 20px rgba(7,86,166,.18);
}


.contact-action.primary:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);

    box-shadow:
        0 12px 25px rgba(7,86,166,.24);
}


.contact-action.whatsapp{

    background:#eaf8f0;

    color:#118456;

    border:1px solid #ccebd9;
}


.contact-action.whatsapp:hover{

    background:#def4e7;

    transform:translateY(-2px);
}


/* =========================================================
   CONTACT FORM BOX
========================================================= */

.contact-form-box{

    padding:34px;

    border:1px solid #e0e7ef;

    border-radius:21px;

    background:#fff;

    box-shadow:
        0 18px 50px rgba(15,23,42,.075);
}


.form-header{

    margin-bottom:25px;
}


.form-header .section-tag{

    margin-bottom:8px;
}


.form-header h3{

    margin:0 0 7px;

    color:var(--spark-dark);

    font-family:'Poppins',sans-serif;

    font-size:22px;

    font-weight:800;
}


.form-header p{

    margin:0;

    color:#94a3b8;

    font-size:11.5px;

    line-height:1.7;
}


/* =========================================================
   PROFESSIONAL FORM
========================================================= */

.professional-form{

    display:flex;

    flex-direction:column;

    gap:17px;
}


.form-group{

    display:flex;

    flex-direction:column;

    gap:7px;
}


.form-group label{

    color:#334155;

    font-size:11px;

    font-weight:700;
}


.form-row{

    display:grid;

    grid-template-columns:
        repeat(2,1fr);

    gap:14px;
}


.form-group input,
.form-group select,
.form-group textarea{

    width:100%;

    box-sizing:border-box;

    border:1px solid #dce5ed;

    border-radius:9px;

    outline:none;

    background:#fbfdff;

    color:#334155;

    font-family:'Inter',sans-serif;

    font-size:12px;

    transition:
        border-color .25s ease,
        box-shadow .25s ease,
        background .25s ease;
}


.form-group input,
.form-group select{

    height:45px;

    padding:0 13px;
}


.form-group textarea{

    min-height:125px;

    padding:12px 13px;

    resize:vertical;
}


.form-group input::placeholder,
.form-group textarea::placeholder{

    color:#a3afbd;
}


.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{

    border-color:var(--spark-blue);

    background:#fff;

    box-shadow:
        0 0 0 3px
        rgba(7,86,166,.075);
}


/* =========================================================
   FORM SUBMIT
========================================================= */

.form-submit{

    width:100%;

    height:47px;

    margin-top:2px;

    border:0;

    border-radius:9px;

    background:var(--spark-blue);

    color:#fff;

    font-family:'Inter',sans-serif;

    font-size:12px;

    font-weight:800;

    cursor:pointer;

    box-shadow:
        0 9px 22px rgba(7,86,166,.20);

    transition:.3s ease;
}


.form-submit:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);

    box-shadow:
        0 13px 27px rgba(7,86,166,.27);
}


/* =========================================================
   TABLET RESPONSIVE
========================================================= */

@media(max-width:1000px){

    .cta-content{

        flex-direction:column;

        align-items:flex-start;

        text-align:left;
    }


    .cta-buttons{

        justify-content:flex-start;
    }


    .contact-grid{

        grid-template-columns:
            repeat(2,1fr);

        max-width:850px;
    }


    .contact-main{

        grid-template-columns:1fr;

        max-width:850px;

        gap:45px;
    }

}


/* =========================================================
   MOBILE RESPONSIVE
========================================================= */

@media(max-width:700px){

    .faq-section{

        padding:70px 17px;
    }


    .section-title{

        margin-bottom:38px;
    }


    .section-title h2{

        font-size:29px;

        letter-spacing:-.7px;
    }


    .section-title p{

        font-size:12px;
    }


    .faq-question{

        min-height:61px;

        padding:16px;

        font-size:12px;
    }


    .faq-icon{

        width:27px;

        height:27px;

        min-width:27px;
    }


    .faq-answer{

        padding-left:16px;

        padding-right:16px;
    }


    .faq-item.active
    .faq-answer{

        padding-left:16px;

        padding-right:16px;

        padding-bottom:18px;
    }


    .faq-answer p,
    .faq-answer ul{

        font-size:11.5px;
    }


    .cta-section{

        padding:62px 20px;
    }


    .cta-content{

        gap:27px;
    }


    .cta-text h2{

        font-size:29px;
    }


    .cta-text p{

        font-size:12px;
    }


    .cta-buttons{

        width:100%;

        flex-direction:column;

        align-items:stretch;
    }


    .cta-buttons .btn{

        width:100%;

        box-sizing:border-box;
    }


    .contact-section{

        padding:70px 17px;
    }


    .contact-grid{

        grid-template-columns:1fr;

        gap:12px;

        margin-bottom:45px;
    }


    .contact-card{

        min-height:auto;

        padding:24px 18px;
    }


    .contact-main{

        gap:38px;
    }


    .contact-description h2{

        font-size:29px;
    }


    .contact-description > p{

        font-size:12px;
    }


    .contact-actions{

        flex-direction:column;

        align-items:stretch;
    }


    .contact-action{

        width:100%;

        box-sizing:border-box;
    }


    .contact-form-box{

        padding:24px 19px;

        border-radius:18px;
    }


    .form-row{

        grid-template-columns:1fr;

        gap:17px;
    }


    .form-header h3{

        font-size:20px;
    }

}


/* =========================================================
   SMALL PHONES
========================================================= */

@media(max-width:420px){

    .faq-question{

        gap:12px;

        font-size:11.5px;
    }


    .section-title h2{

        font-size:27px;
    }


    .cta-text h2{

        font-size:27px;
    }


    .contact-description h2{

        font-size:27px;
    }


    .contact-form-box{

        padding:21px 15px;
    }


    .form-group input,
    .form-group select{

        height:43px;
    }


    .form-submit{

        height:45px;
    }

}



/* =========================================================
   SPARK MICROFINANCE
   PROFESSIONAL WEBSITE STYLE
   PART 5 — FAQ + CTA + CONTACT
========================================================= */


/* =========================================================
   FAQ SECTION
========================================================= */

.faq-section{

    background:#f8fafc;

    padding:100px 0;

}


.faq-section .section-title{

    max-width:760px;

    margin:0 auto 55px;

    text-align:center;

}


.faq-section .section-tag{

    display:inline-flex;

    align-items:center;

    gap:8px;

    color:var(--spark-blue);

    font-size:11px;

    font-weight:800;

    letter-spacing:2px;

    margin-bottom:14px;

}


.faq-section .section-tag::before{

    content:"";

    width:28px;

    height:2px;

    background:var(--spark-yellow);

    border-radius:10px;

}


.faq-section .section-title h2{

    font-family:'Poppins',sans-serif;

    color:var(--spark-dark);

    font-size:clamp(30px,4vw,44px);

    line-height:1.2;

    letter-spacing:-1px;

    margin-bottom:15px;

}


.faq-section .section-title p{

    color:#64748b;

    font-size:14px;

    line-height:1.8;

    max-width:650px;

    margin:auto;

}


/* FAQ CONTAINER */

.faq-container{

    max-width:900px;

    margin:auto;

}


/* FAQ ITEM */

.faq-item{

    background:#ffffff;

    border:1px solid #e5eaf0;

    border-radius:14px;

    margin-bottom:12px;

    overflow:hidden;

    transition:.3s ease;

}


.faq-item:hover{

    border-color:#cbd9e8;

    box-shadow:
        0 10px 30px rgba(15,23,42,.05);

}


/* FAQ QUESTION */

.faq-question{

    width:100%;

    border:none;

    background:transparent;

    padding:21px 24px;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:20px;

    text-align:left;

    cursor:pointer;

    font-family:'Inter',sans-serif;

    font-size:14px;

    font-weight:700;

    color:#1e293b;

}


.faq-question span:first-child{

    flex:1;

}


/* FAQ ICON */

.faq-icon{

    width:30px;

    height:30px;

    flex-shrink:0;

    display:flex;

    align-items:center;

    justify-content:center;

    border-radius:8px;

    background:#eef5ff;

    color:var(--spark-blue);

    font-size:20px;

    font-weight:500;

    transition:.3s ease;

}


/* ACTIVE */

.faq-item.active{

    border-color:#c9dced;

    box-shadow:
        0 12px 35px rgba(7,86,166,.08);

}


.faq-item.active .faq-icon{

    background:var(--spark-blue);

    color:#fff;

    transform:rotate(45deg);

}


/* FAQ ANSWER */

.faq-answer{

    max-height:0;

    overflow:hidden;

    padding:0 24px;

    opacity:0;

    transition:

        max-height .4s ease,

        opacity .3s ease,

        padding .3s ease;

}


.faq-item.active .faq-answer{

    max-height:500px;

    padding:0 24px 23px;

    opacity:1;

}


.faq-answer p{

    color:#64748b;

    font-size:13px;

    line-height:1.8;

    margin:0 0 12px;

}


.faq-answer p:last-child{

    margin-bottom:0;

}


.faq-answer strong{

    color:#334155;

}


.faq-answer ul{

    margin:12px 0 0;

    padding-left:20px;

}


.faq-answer li{

    color:#64748b;

    font-size:13px;

    line-height:1.9;

}


/* =========================================================
   CALL TO ACTION
========================================================= */

.cta-section{

    position:relative;

    overflow:hidden;

    padding:70px 0;

    background:

        linear-gradient(
            135deg,
            var(--spark-blue-dark) 0%,
            var(--spark-blue) 60%,
            #0b68b8 100%
        );

}


.cta-section::before{

    content:"";

    position:absolute;

    width:420px;

    height:420px;

    right:-170px;

    top:-230px;

    border-radius:50%;

    background:rgba(255,255,255,.06);

}


.cta-section::after{

    content:"";

    position:absolute;

    width:300px;

    height:300px;

    left:-170px;

    bottom:-210px;

    border-radius:50%;

    background:rgba(255,196,0,.08);

}


.cta-content{

    max-width:1150px;

    margin:auto;

    padding:0 25px;

    position:relative;

    z-index:2;

    display:flex;

    align-items:center;

    justify-content:space-between;

    gap:40px;

}


.cta-text{

    max-width:700px;

}


.cta-text .section-tag{

    display:inline-block;

    color:#ffd84d;

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;

    margin-bottom:12px;

}


.cta-text h2{

    font-family:'Poppins',sans-serif;

    color:#ffffff;

    font-size:clamp(28px,4vw,42px);

    line-height:1.2;

    margin-bottom:14px;

    letter-spacing:-1px;

}


.cta-text p{

    color:rgba(255,255,255,.78);

    font-size:14px;

    line-height:1.8;

    margin:0;

    max-width:650px;

}


/* CTA BUTTONS */

.cta-buttons{

    display:flex;

    align-items:center;

    gap:12px;

    flex-shrink:0;

}


.cta-buttons .btn{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    padding:14px 22px;

    border-radius:9px;

    background:var(--spark-yellow);

    color:#172033;

    font-size:13px;

    font-weight:800;

    text-decoration:none;

    transition:.3s ease;

    white-space:nowrap;

}


.cta-buttons .btn:hover{

    transform:translateY(-2px);

    box-shadow:
        0 10px 25px rgba(0,0,0,.18);

}


.cta-buttons .btn-light{

    background:#ffffff;

    color:var(--spark-blue);

}


/* =========================================================
   CONTACT SECTION
========================================================= */

.contact-section{

    background:#ffffff;

    padding:100px 0;

}


.contact-section > .section-title{

    max-width:760px;

    margin:0 auto 55px;

    text-align:center;

}


.contact-section .section-tag{

    display:inline-block;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;

    margin-bottom:12px;

}


.contact-section .section-title h2{

    font-family:'Poppins',sans-serif;

    color:var(--spark-dark);

    font-size:clamp(30px,4vw,44px);

    line-height:1.2;

    margin-bottom:15px;

}


.contact-section .section-title p{

    color:#64748b;

    font-size:14px;

    line-height:1.8;

}


/* CONTACT CARDS */

.contact-grid{

    max-width:1150px;

    margin:0 auto 60px;

    padding:0 25px;

    display:grid;

    grid-template-columns:
        repeat(4,1fr);

    gap:18px;

}


.contact-card{

    background:#ffffff;

    border:1px solid #e5eaf0;

    border-radius:15px;

    padding:27px 22px;

    text-align:center;

    transition:.3s ease;

}


.contact-card:hover{

    transform:translateY(-4px);

    border-color:#c8d9eb;

    box-shadow:
        0 15px 35px rgba(15,23,42,.07);

}


.contact-icon{

    width:48px;

    height:48px;

    margin:0 auto 16px;

    border-radius:12px;

    display:flex;

    align-items:center;

    justify-content:center;

    background:#eef5ff;

    color:var(--spark-blue);

    font-size:20px;

}


.contact-card h3{

    font-family:'Poppins',sans-serif;

    color:#1e293b;

    font-size:15px;

    margin-bottom:9px;

}


.contact-card p{

    color:#64748b;

    font-size:12px;

    line-height:1.7;

    margin:0;

}


.contact-card a{

    color:var(--spark-blue);

    text-decoration:none;

}


.contact-card a:hover{

    text-decoration:underline;

}


/* =========================================================
   CONTACT MAIN
========================================================= */

.contact-main{

    max-width:1150px;

    margin:auto;

    padding:0 25px;

    display:grid;

    grid-template-columns:
        .9fr 1.1fr;

    gap:65px;

    align-items:start;

}


.contact-description{

    padding-top:15px;

}


.contact-description .section-tag{

    display:inline-block;

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;

    margin-bottom:14px;

}


.contact-description h2{

    font-family:'Poppins',sans-serif;

    color:var(--spark-dark);

    font-size:clamp(27px,3.5vw,39px);

    line-height:1.25;

    letter-spacing:-1px;

    margin-bottom:18px;

}


.contact-description > p{

    color:#64748b;

    font-size:14px;

    line-height:1.85;

    margin-bottom:16px;

}


.contact-description strong{

    color:#334155;

}


/* CONTACT ACTIONS */

.contact-actions{

    display:flex;

    flex-wrap:wrap;

    gap:12px;

    margin-top:25px;

}


.contact-action{

    display:inline-flex;

    align-items:center;

    justify-content:center;

    gap:8px;

    padding:13px 17px;

    border-radius:9px;

    text-decoration:none;

    font-size:12px;

    font-weight:800;

    transition:.3s ease;

}


.contact-action.primary{

    background:var(--spark-blue);

    color:#ffffff;

    box-shadow:
        0 8px 20px rgba(7,86,166,.18);

}


.contact-action.primary:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);

}


.contact-action.whatsapp{

    background:#eafaf1;

    color:#16834b;

    border:1px solid #cceedd;

}


.contact-action.whatsapp:hover{

    background:#dcf7e8;

    transform:translateY(-2px);

}


/* =========================================================
   CONTACT FORM
========================================================= */

.contact-form-box{

    background:#ffffff;

    border:1px solid #e4eaf1;

    border-radius:20px;

    padding:32px;

    box-shadow:
        0 18px 50px rgba(15,23,42,.07);

}


.form-header{

    margin-bottom:25px;

}


.form-header .section-tag{

    color:var(--spark-blue);

    font-size:10px;

    font-weight:800;

    letter-spacing:2px;

}


.form-header h3{

    font-family:'Poppins',sans-serif;

    color:var(--spark-dark);

    font-size:25px;

    margin:8px 0;

}


.form-header p{

    color:#64748b;

    font-size:12px;

    line-height:1.7;

    margin:0;

}


/* FORM */

.professional-form{

    display:flex;

    flex-direction:column;

    gap:17px;

}


.form-row{

    display:grid;

    grid-template-columns:1fr 1fr;

    gap:15px;

}


.form-group{

    display:flex;

    flex-direction:column;

    gap:7px;

}


.form-group label{

    color:#334155;

    font-size:12px;

    font-weight:700;

}


.form-group input,
.form-group select,
.form-group textarea{

    width:100%;

    box-sizing:border-box;

    border:1px solid #dbe3ec;

    background:#f9fbfd;

    border-radius:9px;

    padding:12px 13px;

    font-family:'Inter',sans-serif;

    color:#1e293b;

    font-size:12px;

    outline:none;

    transition:.25s ease;

}


.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{

    background:#ffffff;

    border-color:var(--spark-blue);

    box-shadow:
        0 0 0 3px rgba(7,86,166,.08);

}


.form-group textarea{

    resize:vertical;

    min-height:125px;

}


.form-group input::placeholder,
.form-group textarea::placeholder{

    color:#94a3b8;

}


/* FORM BUTTON */

.form-submit{

    border:none;

    cursor:pointer;

    padding:14px 20px;

    border-radius:9px;

    background:var(--spark-blue);

    color:#ffffff;

    font-family:'Inter',sans-serif;

    font-size:13px;

    font-weight:800;

    transition:.3s ease;

    box-shadow:
        0 9px 22px rgba(7,86,166,.18);

}


.form-submit:hover{

    background:var(--spark-blue-dark);

    transform:translateY(-2px);

}


/* =========================================================
   RESPONSIVE — FAQ / CTA / CONTACT
========================================================= */

@media(max-width:1000px){

    .contact-grid{

        grid-template-columns:
            repeat(2,1fr);

    }


    .contact-main{

        grid-template-columns:1fr;

        gap:45px;

    }


    .contact-description{

        max-width:750px;

    }


    .cta-content{

        flex-direction:column;

        align-items:flex-start;

    }


    .cta-buttons{

        width:100%;

    }

}


@media(max-width:600px){

    .faq-section,
    .contact-section{

        padding:75px 0;

    }


    .faq-section .section-title,
    .contact-section > .section-title{

        padding:0 20px;

    }


    .faq-question{

        padding:18px;

        font-size:13px;

    }


    .faq-answer{

        padding-left:18px;

        padding-right:18px;

    }


    .faq-item.active .faq-answer{

        padding-left:18px;

        padding-right:18px;

    }


    .contact-grid{

        grid-template-columns:1fr;

        padding:0 18px;

    }


    .contact-main{

        padding:0 18px;

    }


    .contact-form-box{

        padding:22px 18px;

        border-radius:16px;

    }


    .form-row{

        grid-template-columns:1fr;

    }


    .contact-actions{

        flex-direction:column;

    }


    .contact-action{

        width:100%;

    }


    .cta-section{

        padding:60px 0;

    }


    .cta-content{

        padding:0 20px;

    }


    .cta-buttons{

        flex-direction:column;

        width:100%;

    }


    .cta-buttons .btn{

        width:100%;

    }

}