/* =========================================================
   Bond Peter Home Loans — Premium Design System
   Navy 60% / Off-white 25% / Warm Gold 10% / Fresh Green 5%
   ========================================================= */

:root{
  --navy:        #0B1F3A;
  --navy-700:    #122A4D;
  --navy-600:    #1A3A66;
  --navy-500:    #28538C;
  --navy-50:     #EAEFF7;
  --offwhite:    #F7F8FB;
  --warm:        #F6F2EA;
  --warm-deep:   #EFE7D2;
  --gold:        #C9A227;
  --gold-soft:   #E6CB6A;
  --gold-deep:   #A6841A;
  --green:       #1E8E5A;
  --green-700:   #146B43;
  --ink:         #15233D;
  --muted:       #5B6A82;
  --muted-2:     #8390A6;
  --line:        #E3E8F0;
  --line-2:      #EEF1F7;
  --white:       #ffffff;

  /* Layered shadows — feel more dimensional than a single drop shadow */
  --shadow-xs: 0 1px 2px rgba(11,31,58,.05);
  --shadow-sm: 0 1px 2px rgba(11,31,58,.06), 0 2px 4px rgba(11,31,58,.04);
  --shadow-md: 0 4px 10px -4px rgba(11,31,58,.10), 0 14px 32px -16px rgba(11,31,58,.18);
  --shadow-lg: 0 10px 22px -10px rgba(11,31,58,.20), 0 30px 60px -22px rgba(11,31,58,.30);
  --shadow-xl: 0 20px 50px -16px rgba(11,31,58,.28), 0 60px 120px -40px rgba(11,31,58,.40);
  --ring-gold: 0 0 0 1px rgba(201,162,39,.5);

  --radius:    16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --container: 1200px;
  --ease: cubic-bezier(.2,.7,.2,1);
  --ease-out: cubic-bezier(.16,1,.3,1);

  --font-head: "Playfair Display", "Merriweather", Georgia, serif;
  --font-body: "Inter", "Source Sans Pro", "Open Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --section-py: 96px;
  --section-py-sm: 64px;
}

*,*::before,*::after{box-sizing:border-box}
html{
  scroll-behavior:smooth;
  -webkit-text-size-adjust:100%;
  color-scheme: light;
  overflow-x:hidden;
}
@media (prefers-reduced-motion: reduce){
  *, *::before, *::after{
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
  .reveal{ opacity:1; transform:none }
}
:focus-visible{
  outline: 3px solid var(--gold);
  outline-offset: 2px;
  border-radius: 4px;
}
/* Touch targets meet WCAG 2.5.5 (44x44 minimum) */
.btn, .menu-toggle, .nav-list a, .area-tile, .pill, .faq-item summary{
  min-height: 44px;
}

/* Skip-to-content link — keyboard a11y */
.skip-link{
  position:absolute; left:-9999px; top:8px;
  background:var(--navy); color:#fff;
  padding:12px 20px; border-radius:0 12px 12px 0;
  z-index:1000;
  font-weight:700; font-size:.92rem;
  letter-spacing:.02em;
  text-decoration:none;
  border:2px solid var(--gold);
}
.skip-link:focus{ left:0; outline:none; color:#fff }

/* Sticky mobile CTA bar — bottom-fixed, mobile only, safe-area aware */
.mobile-cta{
  position:fixed; left:0; right:0; bottom:0; z-index:75;
  display:none;
  background:linear-gradient(180deg, rgba(255,255,255,.96), #fff);
  border-top:1px solid var(--line);
  box-shadow:0 -10px 30px -10px rgba(11,31,58,.18);
  padding:10px 12px calc(10px + env(safe-area-inset-bottom));
  backdrop-filter: blur(12px) saturate(150%);
  -webkit-backdrop-filter: blur(12px) saturate(150%);
}
.mobile-cta-grid{
  display:grid; grid-template-columns: 1fr 1fr 52px; gap:12px; align-items:center;
}
.mobile-cta .btn{ padding:13px 14px; font-size:.92rem; min-height:48px }
.mobile-cta-call{
  width:52px; height:52px; border-radius:50%;
  display:grid; place-items:center;
  background:linear-gradient(140deg, var(--navy) 0%, var(--navy-700) 100%);
  color:#fff; box-shadow:0 6px 14px -4px rgba(11,31,58,.4);
  border:1px solid var(--gold);
}
.mobile-cta-call svg{ width:24px; height:24px }
@media (max-width: 720px){
  .mobile-cta{ display:block }
  /* lift the WhatsApp FAB above the sticky bar with sufficient spacing */
  .fab-whatsapp{ bottom: calc(96px + env(safe-area-inset-bottom)) }
  /* leave room at the end of the document so content isn't hidden behind the bar */
  body{ padding-bottom: calc(64px + env(safe-area-inset-bottom)) }
}

/* Legal links row inside the footer bottom */
.foot-bottom .legal-links{
  display:flex; gap:14px; flex-wrap:wrap; align-items:center;
  font-size:.82rem;
}
.foot-bottom .legal-links a{
  color:#cfd7e6; text-decoration:none;
}
.foot-bottom .legal-links a:hover{ color:var(--gold-soft); text-decoration:underline; text-underline-offset:3px }
.foot-bottom .legal-links .sep{ opacity:.4 }
body{
  margin:0;
  overflow-x:hidden;
  font-family:var(--font-body);
  color:var(--ink);
  background:
    radial-gradient(ellipse 70% 50% at 90% -10%, rgba(201,162,39,.10), transparent 60%),
    radial-gradient(ellipse 60% 50% at 0% 30%, rgba(11,31,58,.04), transparent 70%),
    radial-gradient(ellipse 60% 40% at 100% 90%, rgba(30,142,90,.05), transparent 70%),
    linear-gradient(180deg, #FBFAF6 0%, var(--offwhite) 100%);
  background-attachment: scroll;
  line-height:1.65;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}
img,video,svg{max-width:100%; display:block}
a{color:var(--navy); text-decoration:none}
a:hover{color:var(--gold-deep)}
::selection{background:rgba(201,162,39,.3); color:var(--navy)}

/* ---------- Type scale (premium) ---------- */
h1,h2,h3,h4{
  font-family:var(--font-head);
  color:var(--navy);
  font-weight:700;
  line-height:1.12;
  margin:0 0 .55em;
  letter-spacing:-.018em;
}
h1{font-size:clamp(2.4rem, 5.5vw, 4.25rem); letter-spacing:-.025em; line-height:1.05}
h2{font-size:clamp(1.85rem, 3.6vw, 2.8rem); letter-spacing:-.018em}
h3{font-size:clamp(1.25rem, 2.2vw, 1.55rem); letter-spacing:-.012em}
h4{
  font-size:1.05rem; font-family:var(--font-body); font-weight:700;
  letter-spacing:-.005em; color:var(--navy);
}
p{margin:0 0 1em}

/* Eyebrow — gold pre-headline */
.eyebrow{
  display:inline-flex; align-items:center; gap:.65rem;
  font-family:var(--font-body);
  font-weight:600;
  font-size:.78rem;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:var(--gold-deep);
  margin-bottom:1rem;
}
.eyebrow::before{
  content:""; display:inline-block; width:28px; height:1.5px;
  background:var(--gold); border-radius:2px;
}
.section-navy .eyebrow{ color:var(--gold-soft) }
.section-navy .eyebrow::before{ background:var(--gold-soft) }
.hero .eyebrow, .page-hero .eyebrow{ color:var(--gold-soft) }
.hero .eyebrow::before, .page-hero .eyebrow::before{ background:var(--gold-soft) }

.container{ width:100%; max-width:var(--container); margin:0 auto; padding:0 24px }

/* ---------- Buttons (premium feel) ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:.6rem;
  padding:16px 26px;
  font-family:var(--font-body); font-weight:600; font-size:.98rem;
  letter-spacing:-.005em;
  border-radius:999px; border:1.5px solid transparent; cursor:pointer;
  transition: transform .22s var(--ease), box-shadow .25s var(--ease), background .2s, color .2s, border-color .2s;
  white-space:nowrap; line-height:1;
  position:relative; overflow:hidden;
}
.btn svg{width:18px;height:18px}
.btn:focus-visible{ outline:none; box-shadow:0 0 0 3px rgba(201,162,39,.35) }

.btn-primary{
  background:linear-gradient(160deg, #25A269 0%, var(--green) 50%, var(--green-700) 100%);
  color:#fff;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.40),
    inset 0 -4px 12px rgba(20,107,67,.45),
    0 12px 30px -10px rgba(30,142,90,.7),
    0 2px 4px rgba(20,107,67,.25);
  text-shadow:0 1px 0 rgba(0,0,0,.12);
}
.btn-primary:hover{
  background:linear-gradient(160deg, var(--green) 0%, var(--green-700) 50%, #0F5031 100%);
  color:#fff; transform:translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.45),
    inset 0 -4px 14px rgba(20,107,67,.5),
    0 20px 40px -10px rgba(30,142,90,.85),
    0 3px 6px rgba(20,107,67,.3);
}

.btn-gold{
  background:linear-gradient(160deg, #E6BD3F 0%, var(--gold) 50%, var(--gold-deep) 100%);
  color:var(--navy);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.55),
    inset 0 -4px 12px rgba(139,110,21,.4),
    0 12px 30px -10px rgba(201,162,39,.7),
    0 2px 4px rgba(139,110,21,.25);
  text-shadow:0 1px 0 rgba(255,255,255,.18);
}
.btn-gold:hover{
  background:linear-gradient(160deg, var(--gold) 0%, var(--gold-deep) 50%, #8B6E15 100%);
  color:var(--navy); transform:translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.6),
    inset 0 -4px 14px rgba(139,110,21,.45),
    0 20px 40px -10px rgba(201,162,39,.85),
    0 3px 6px rgba(139,110,21,.3);
}

.btn-outline{
  background:linear-gradient(180deg, rgba(255,255,255,.10) 0%, rgba(255,255,255,.04) 100%);
  color:#fff;
  border-color:rgba(255,255,255,.45);
  backdrop-filter: blur(12px) saturate(140%);
  -webkit-backdrop-filter: blur(12px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.25),
    inset 0 -1px 0 rgba(0,0,0,.15),
    0 8px 22px -8px rgba(0,0,0,.35);
}
.btn-outline:hover{
  background:linear-gradient(180deg, #fff 0%, #F4F6FB 100%); color:var(--navy); border-color:#fff;
  transform:translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.9),
    inset 0 -3px 8px rgba(11,31,58,.10),
    0 14px 30px -10px rgba(255,255,255,.5);
}

.btn-outline-navy{
  background:linear-gradient(180deg, #fff 0%, #F6F8FC 100%);
  color:var(--navy);
  border-color:rgba(11,31,58,.18);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,1),
    inset 0 -2px 6px rgba(11,31,58,.06),
    0 6px 14px -6px rgba(11,31,58,.18);
}
.btn-outline-navy:hover{
  background:linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%); color:#fff; border-color:var(--navy);
  transform:translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.18),
    inset 0 -4px 12px rgba(0,0,0,.25),
    0 16px 30px -10px rgba(11,31,58,.5);
}

.btn-ghost{ background:transparent; color:var(--navy); border-color:transparent; padding:12px 16px }
.btn-ghost:hover{ color:var(--gold-deep) }
.btn-block{ display:flex; width:100% }
.btn-sm{ padding:11px 18px; font-size:.88rem }
.btn-lg{ padding:18px 30px; font-size:1.02rem }

/* ---------- Header / Nav (premium) ---------- */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(160%) blur(14px);
  -webkit-backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid rgba(227,232,240,.7);
  transition: box-shadow .3s var(--ease), background .3s;
}
.site-header.scrolled{
  box-shadow:0 10px 32px -18px rgba(11,31,58,.25);
  background:rgba(255,255,255,.97);
}
.nav-top{
  background:linear-gradient(90deg, var(--navy) 0%, var(--navy-700) 100%);
  color:#cdd6e6;
  font-size:.82rem;
  border-bottom:1px solid rgba(255,255,255,.06);
}
.nav-top .container{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:9px; padding-bottom:9px; gap:14px; flex-wrap:wrap;
}
.nav-top a{color:#fff; display:inline-flex; align-items:center; gap:.4rem}
.nav-top a:hover{color:var(--gold-soft)}
.nav-top .sep{ opacity:.35; padding:0 4px }

.nav-main .container{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:18px; padding-bottom:18px;
}
.brand{display:flex; align-items:center; gap:.85rem; text-decoration:none; position:relative}

/* The header brand-license collides with the nav at common widths,
   so it's hidden there. The footer .brand-license stays visible per
   compliance (and the brand-banner below the nav also names the
   company prominently). */
.nav-main .brand-license{ display:none }

/* Brand banner strip — shows on page load, collapses on first scroll */
.brand-banner{
  transition:max-height .4s ease,opacity .35s ease,padding .4s ease,border .4s ease;
  max-height:200px;
  opacity:1;
}
.brand-banner--hidden{max-height:0;opacity:0;padding-top:0;padding-bottom:0;border:none;overflow:hidden;pointer-events:none}
.brand-banner{
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-700) 60%, var(--navy-600) 100%);
  color:#fff;
  text-align:center;
  padding: 18px 16px;
  border-top: 1px solid rgba(201,162,39,.18);
  border-bottom: 3px solid var(--gold);
  position:relative;
  overflow:hidden;
  isolation:isolate;
}
.brand-banner::before{
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(ellipse 60% 80% at 50% -20%, rgba(201,162,39,.22), transparent 60%),
    radial-gradient(ellipse 50% 70% at 10% 100%, rgba(40,83,140,.25), transparent 70%);
}
.brand-banner .banner-title{
  margin:0;
  font-family: var(--font-head);
  font-size: clamp(1.4rem, 3.4vw, 2.2rem);
  font-weight:700;
  letter-spacing: .04em;
  color:#fff;
  line-height:1.1;
  text-shadow: 0 2px 14px rgba(201,162,39,.25);
}
.brand-banner .banner-title em{
  font-style:normal;
  color: var(--gold);
  font-weight:900;
}
.brand-banner p{
  margin: 6px 0 0;
  font-size:.78rem;
  color: rgba(255,255,255,.65);
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight:600;
}

/* Compliance disclosure under the brand logo — Texas mortgage law */
.brand-license{
  display:flex; flex-direction:column; line-height:1.25;
  font-family:var(--font-body);
  font-size:.7rem; letter-spacing:.06em;
  color:var(--muted);
  max-width:180px;
}
.brand-license .biz{ text-transform:uppercase; font-weight:600; color:var(--navy); font-size:.68rem; letter-spacing:.1em }
.brand-license .nmls{ color:var(--navy); font-weight:800; font-size:.82rem; letter-spacing:.04em; margin-top:1px }
.brand-license .nmls em{ font-style:normal; color:var(--gold-deep); font-weight:900 }
.foot-brand .brand-license{ color:#a6b3c8; max-width:220px; margin-top:10px }
.foot-brand .brand-license .biz{ color:#fff }
.foot-brand .brand-license .nmls{ color:#fff }
.foot-brand .brand-license .nmls em{ color:var(--gold-soft) }
@media (max-width: 720px){
  .brand-license{ display:none }
}

/* ===== Premium logo treatment =====
   The .brand-logo class wraps the BondPeter logo image. It floats on a
   subtle gold-glow drop shadow that gently pulses, and a thin gold halo
   appears on hover. The "blazing" look. */
.brand-logo{
  display:block;
  height:54px; width:auto;
  border-radius:10px;
  filter:
    drop-shadow(0 6px 14px rgba(201,162,39,.28))
    drop-shadow(0 2px 4px rgba(11,31,58,.15));
  filter: drop-shadow(0 6px 14px rgba(201,162,39,.32)) drop-shadow(0 2px 4px rgba(11,31,58,.15));
  transition: transform .3s var(--ease), filter .3s var(--ease);
}
.brand:hover .brand-logo{
  transform: translateY(-1px) scale(1.02);
  filter:
    drop-shadow(0 10px 22px rgba(201,162,39,.45))
    drop-shadow(0 3px 6px rgba(11,31,58,.2));
}
@media (max-width: 720px){
  .brand-logo{ height:42px }
}
/* Footer logo — invert white background using mix-blend so it sits on navy */
.foot-brand .brand-logo{
  height:64px;
  background:#fff;
  padding:8px 14px;
  border-radius:12px;
  border:1px solid rgba(201,162,39,.35);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,1),
    0 10px 28px -10px rgba(201,162,39,.4),
    0 4px 10px rgba(0,0,0,.25);
  box-shadow: inset 0 1px 0 rgba(255,255,255,1), 0 10px 28px -10px rgba(201,162,39,.45), 0 4px 10px rgba(0,0,0,.25);
}

/* Legacy brand-mark — kept for the favicon-style icon use, no longer in headers */
.brand-mark{
  width:46px; height:46px; border-radius:12px;
  background:linear-gradient(140deg, var(--navy-500) 0%, var(--navy-600) 50%, var(--navy) 100%);
  display:grid; place-items:center;
  border:1.5px solid var(--gold);
  position:relative;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.18),
    inset 0 -3px 8px rgba(0,0,0,.35),
    0 6px 14px -6px rgba(11,31,58,.45),
    0 0 0 1px rgba(201,162,39,.18);
}
.brand-mark::after{
  content:""; position:absolute; inset:-1px;
  border-radius:13px; border:1px solid rgba(201,162,39,.2);
  pointer-events:none;
}
.brand-mark svg{width:24px; height:24px}
.brand-text{display:flex; flex-direction:column; line-height:1.05}
.brand-text strong{
  font-family:var(--font-head); color:var(--navy);
  font-size:1.1rem; letter-spacing:-.01em; font-weight:700;
}
.brand-text small{
  color:var(--muted-2); font-size:.7rem;
  letter-spacing:.14em; text-transform:uppercase; font-weight:600;
}

.nav-list{
  list-style:none; display:flex; gap:2px; margin:0; padding:0; align-items:center;
}
.nav-list a{
  display:block; padding:10px 14px; color:var(--navy);
  font-weight:500; font-size:.94rem; letter-spacing:-.005em;
  border-radius:10px; position:relative;
  transition: color .15s, background .15s;
}
.nav-list a:hover, .nav-list a.active{ color:var(--gold-deep); background:var(--warm) }
.nav-list .has-sub{ position:relative }
.nav-list .has-sub > a::after{
  content:""; display:inline-block; margin-left:6px;
  width:6px; height:6px;
  border-right:1.5px solid currentColor; border-bottom:1.5px solid currentColor;
  transform:translateY(-2px) rotate(45deg);
  transition:transform .2s;
}
.nav-list .has-sub:hover > a::after{ transform:translateY(0) rotate(225deg) }
.nav-list .submenu{
  position:absolute; left:0; top:calc(100% + 6px); min-width:240px;
  background:#fff; border:1px solid var(--line);
  border-radius:14px;
  box-shadow:var(--shadow-lg);
  padding:8px; opacity:0; transform:translateY(8px) scale(.98); transform-origin:top left;
  pointer-events:none; transition:opacity .2s var(--ease), transform .2s var(--ease);
  list-style:none; margin:0; z-index:200;
}
.nav-list .submenu::before{
  content:""; position:absolute; top:-6px; left:24px;
  width:12px; height:12px; background:#fff;
  border-left:1px solid var(--line); border-top:1px solid var(--line);
  transform:rotate(45deg);
}
.nav-list .has-sub:hover .submenu, .nav-list .has-sub:focus-within .submenu{
  opacity:1; transform:translateY(0) scale(1); pointer-events:auto;
}
.nav-list .submenu a{ padding:10px 14px; border-radius:8px; font-size:.92rem }
.nav-list .submenu a:hover{ background:var(--warm); color:var(--gold-deep) }

.nav-cta{display:flex; gap:10px; align-items:center}
.menu-toggle{
  display:none; background:transparent;
  border:1.5px solid var(--line); width:48px; height:48px;
  border-radius:12px; cursor:pointer; align-items:center; justify-content:center;
  transition:border-color .15s, background .15s;
}
.menu-toggle:hover{ border-color:var(--gold); background:var(--warm) }
.menu-toggle span, .menu-toggle span::before, .menu-toggle span::after{
  display:block; width:22px; height:2px; background:var(--navy); position:relative; border-radius:2px;
}
.menu-toggle span::before, .menu-toggle span::after{ content:""; position:absolute; left:0; transition:.3s var(--ease) }
.menu-toggle span::before{ top:-7px }
.menu-toggle span::after{ top:7px }
.menu-toggle.open span{ background:transparent }
.menu-toggle.open span::before{ top:0; transform:rotate(45deg) }
.menu-toggle.open span::after{ top:0; transform:rotate(-45deg) }

@media (max-width: 1100px){
  .nav-list{
    position:fixed; inset:auto 0 0 0; top:0; flex-direction:column;
    background:linear-gradient(180deg, var(--navy) 0%, var(--navy-700) 100%);
    height:100dvh; padding:100px 28px 30px;
    transform:translateX(100%); transition:transform .4s var(--ease-out);
    overflow-y:auto; gap:0;
  }
  .nav-list a{
    color:#fff; padding:18px 12px;
    border-bottom:1px solid rgba(255,255,255,.08);
    border-radius:0; font-size:1.05rem; font-family:var(--font-head); font-weight:600;
  }
  .nav-list a:hover, .nav-list a.active{ color:var(--gold-soft); background:transparent }
  .nav-list .has-sub > a::after{ float:right; margin-top:8px }
  .nav-list .submenu{
    position:static; opacity:1; transform:none; pointer-events:auto;
    background:transparent; border:none; box-shadow:none; padding:0 0 6px 16px;
  }
  .nav-list .submenu::before{ display:none }
  .nav-list .submenu a{ color:#c9d2e1; font-size:.95rem; padding:10px 8px; font-family:var(--font-body); font-weight:500; border:none }
  .nav-list .submenu a:hover{ background:transparent; color:var(--gold-soft) }
  .nav-list.open{ transform:translateX(0); box-shadow:-20px 0 60px -10px rgba(11,31,58,.5) }
  .menu-toggle{ display:inline-flex }
  .nav-cta .btn:not(.btn-primary):not(.btn-gold){ display:none }
}

/* ---------- Hero — premium (split: text + media card) ---------- */
.hero{
  position:relative; isolation:isolate; overflow:hidden;
  color:#fff;
  padding: clamp(70px, 10vw, 120px) 0 clamp(80px, 12vw, 140px);
  background:linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 60%, var(--navy-600) 100%);
}
/* Hero container — wider than default so text reaches closer to the left edge */
.hero > .container{ max-width: 1380px; padding: 0 clamp(20px, 3vw, 40px) }

/* Two-column layout: text left, video card right */
.hero-grid{
  display:grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(28px, 4vw, 56px);
  align-items:stretch;
}
.hero-content{ max-width: 620px; display:flex; flex-direction:column; justify-content:center }
@media (max-width: 980px){
  .hero-grid{ grid-template-columns: 1fr; gap:40px; align-items:start }
  .hero-content{ max-width:none }
  .hero > .container{ padding: 0 24px }
}

/* Hero card — 16:9 landscape video, fills full column height */
.hero-card{
  position:relative; isolation:isolate;
  display:block;
  width: 100%;
  height: 100%;
  min-height: 320px;
  border-radius: 18px;
  overflow:hidden;
  background:#000;
  box-shadow:
    0 30px 60px -22px rgba(0,0,0,.6),
    0 60px 120px -40px rgba(0,0,0,.55),
    0 2px 6px rgba(0,0,0,.25);
  transform: perspective(1400px) rotateY(-3deg) rotateX(1.5deg);
  transform-style: preserve-3d;
  transition: transform .5s var(--ease-out);
  will-change: transform;
}
.hero-card:hover{ transform: perspective(1400px) rotateY(-1deg) rotateX(.5deg) translateY(-4px) }
.hero-card video, .hero-card img{
  display:block;
  width:100%; height:100%;
  object-fit:cover;
  border-radius:inherit;
  transform: translateZ(0);
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
}
@media (max-width: 980px){
  .hero-card{ height:auto; aspect-ratio: 16/9; min-height:unset }
  .hero-card-badge{ display:none }
}
/* Subtle top corner sheen for the 3D feel — small, doesn't cover the video */
.hero-card::before{
  content:""; position:absolute; inset:0; z-index:2; pointer-events:none;
  background:linear-gradient(150deg,
    rgba(255,255,255,.12) 0%,
    rgba(255,255,255,.02) 12%,
    transparent 28%);
}

/* Floating badge on the hero card */
.hero-card-badge{
  position:absolute; left:18px; bottom:18px; z-index:3;
  display:flex; align-items:center; gap:12px;
  padding:12px 16px;
  background:linear-gradient(180deg, rgba(255,255,255,.95) 0%, rgba(255,255,255,.85) 100%);
  border:1px solid rgba(255,255,255,.6);
  border-left:4px solid var(--gold);
  border-radius:14px;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,1),
    inset 0 -2px 6px rgba(201,162,39,.10),
    0 14px 30px -10px rgba(0,0,0,.4);
}
.hero-card-badge .seal{
  width:36px; height:36px; border-radius:50%; flex:0 0 auto;
  background:linear-gradient(135deg, #E6BD3F 0%, var(--gold) 50%, var(--gold-deep) 100%);
  color:#fff; display:grid; place-items:center;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.55),
    inset 0 -2px 6px rgba(139,110,21,.4),
    0 4px 10px -2px rgba(201,162,39,.5);
}
.hero-card-badge .seal svg{ width:18px; height:18px }
.hero-card-badge strong{
  display:block; color:var(--navy);
  font-family:var(--font-head); font-size:1rem; line-height:1.1;
  letter-spacing:-.01em;
}
.hero-card-badge small{ color:var(--muted); font-size:.74rem; letter-spacing:.06em; text-transform:uppercase; font-weight:600 }

.hero-overlay{
  position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(ellipse 70% 50% at 20% -10%, rgba(201,162,39,.30), transparent 60%),
    radial-gradient(ellipse 60% 50% at 100% 40%, rgba(40,83,140,.40), transparent 70%),
    radial-gradient(ellipse 60% 40% at 0% 90%, rgba(30,142,90,.22), transparent 70%);
}
.hero-overlay::after{
  /* edge vignette — darkens corners */
  content:""; position:absolute; inset:0;
  background:radial-gradient(ellipse at center, transparent 55%, rgba(0,0,0,.30) 100%);
  pointer-events:none;
}
.hero::after{
  /* Subtle grid pattern in the dark area */
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background-image:
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at 30% 50%, black 30%, transparent 80%);
}
.hero h1{ color:#fff; margin-bottom:22px; max-width:18ch }
.hero p.lead{
  font-size:clamp(1.05rem, 1.5vw, 1.25rem);
  color:#dde4f1; max-width:60ch; line-height:1.55;
}
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top:36px }

/* Trust strip — true glassmorphism */
.trust-strip{
  display:grid; grid-template-columns:repeat(4, 1fr); gap:0;
  margin-top:64px; padding:6px;
  border:1px solid rgba(255,255,255,.20);
  background:linear-gradient(180deg, rgba(255,255,255,.14), rgba(255,255,255,.05));
  border-radius:20px;
  backdrop-filter:blur(18px) saturate(140%);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.30),
    inset 0 -1px 0 rgba(0,0,0,.2),
    0 20px 50px -20px rgba(0,0,0,.5);
}
.trust-strip .item{
  display:flex; align-items:flex-start; gap:14px; color:#eaefff;
  padding:20px 22px;
  border-right:1px solid rgba(255,255,255,.08);
}
.trust-strip .item:last-child{ border-right:none }
.trust-strip .item svg{
  flex:0 0 auto; width:22px; height:22px; color:var(--gold-soft); margin-top:2px;
}
.trust-strip .item strong{
  display:block; font-size:.95rem; color:#fff; font-weight:600;
  letter-spacing:-.005em; margin-bottom:2px;
}
.trust-strip .item span{ font-size:.82rem; color:#a8b4c9 }

@media (max-width:880px){
  .trust-strip{ grid-template-columns:1fr 1fr }
  .trust-strip .item{ border-right:none; border-bottom:1px solid rgba(255,255,255,.08) }
  .trust-strip .item:nth-child(odd){ border-right:1px solid rgba(255,255,255,.08) }
  .trust-strip .item:last-child, .trust-strip .item:nth-last-child(2){ border-bottom:none }
}
@media (max-width:520px){
  .trust-strip{ grid-template-columns:1fr }
  .trust-strip .item, .trust-strip .item:nth-child(odd){ border-right:none; border-bottom:1px solid rgba(255,255,255,.08) }
  .trust-strip .item:last-child{ border-bottom:none }
}

/* Page-hero with a media tile on the right (used by About) */
.page-hero-grid{
  display:grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr);
  gap: clamp(28px, 4vw, 56px);
  align-items:center;
}
.page-hero-media{
  position:relative;
  width:100%;
  max-width: 540px;
  /* no aspect-ratio — height follows the media's natural size, no cropping */
  border-radius: 22px;
  overflow:hidden;
  margin-inline:auto;
  background:var(--navy);
  box-shadow:
    0 30px 60px -22px rgba(0,0,0,.6),
    0 60px 120px -40px rgba(0,0,0,.5),
    0 2px 6px rgba(0,0,0,.25);
  transform: perspective(1400px) rotateY(-3deg) rotateX(1.5deg);
  transform-style: preserve-3d;
  transition: transform .5s var(--ease-out);
}
.page-hero-media.portrait{ max-width: 460px }
.page-hero-media:hover{ transform: perspective(1400px) rotateY(-1deg) rotateX(.5deg) translateY(-4px) }
.page-hero-media img,
.page-hero-media video{
  display:block;
  width:100%;
  height:auto;          /* natural aspect — never crop, never zoom */
}
.page-hero-media::before{
  content:""; position:absolute; inset:0; z-index:2; pointer-events:none;
  background:linear-gradient(150deg, rgba(255,255,255,.12) 0%, rgba(255,255,255,.02) 12%, transparent 28%);
}
.page-hero-media-badge{
  position:absolute; left:14px; bottom:14px; z-index:3;
  display:flex; align-items:center; gap:10px;
  padding:10px 14px;
  background:linear-gradient(180deg, rgba(255,255,255,.95) 0%, rgba(255,255,255,.85) 100%);
  border:1px solid rgba(255,255,255,.6);
  border-left:4px solid var(--gold);
  border-radius:12px;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,1), 0 10px 22px -8px rgba(0,0,0,.4);
}
.page-hero-media-badge strong{ display:block; color:var(--navy); font-family:var(--font-head); font-size:.95rem; line-height:1.1 }
.page-hero-media-badge small{ color:var(--muted); font-size:.7rem; letter-spacing:.06em; text-transform:uppercase; font-weight:600 }
@media (max-width: 820px){
  .page-hero-grid{ grid-template-columns:1fr; gap:32px }
  .page-hero-media{ max-width: 320px }
}

/* Portrait-friendly split-media variant — natural-aspect portrait headshot */
@media (max-width: 900px){
  .split-media.profile{ max-width:420px; margin-inline:auto }
}

/* Page hero (smaller, refined) */
.page-hero{
  position:relative; color:#fff;
  padding: clamp(70px, 10vw, 110px) 0 clamp(70px, 10vw, 110px);
  background:linear-gradient(120deg, var(--navy) 0%, var(--navy-700) 60%, var(--navy-600) 100%);
  overflow:hidden; isolation:isolate;
}
.page-hero::before{
  content:""; position:absolute; inset:0; z-index:-1;
  background:
    radial-gradient(ellipse 70% 50% at 50% -10%, rgba(201,162,39,.30), transparent 60%),
    radial-gradient(ellipse 60% 50% at 100% 30%, rgba(40,83,140,.40), transparent 70%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(30,142,90,.22), transparent 70%);
}
.page-hero::after{
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background-image:
    linear-gradient(rgba(255,255,255,.022) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.022) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at 50% 50%, black 40%, transparent 85%);
}
.page-hero h1{color:#fff; margin-bottom:16px; max-width:22ch}
.page-hero p{ color:#cfd7e6; max-width:62ch; font-size:1.05rem }
.page-hero .breadcrumbs{
  font-size:.82rem; color:#a6b3c8; margin-bottom:14px;
  letter-spacing:.02em;
}
.page-hero .breadcrumbs a{color:#c9d2e1}
.page-hero .breadcrumbs a:hover{color:var(--gold-soft)}

/* ---------- Section primitives ---------- */
.section{ padding: var(--section-py) 0; position:relative }
.section-tight{ padding: var(--section-py-sm) 0 }
.section-warm{
  background:linear-gradient(180deg, var(--warm) 0%, #FAF6EC 100%);
}
.section-navy{
  background:linear-gradient(180deg, var(--navy) 0%, var(--navy-700) 100%);
  color:#e6ecf7; position:relative; overflow:hidden;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.06);
}
.section-navy::before{
  content:""; position:absolute; inset:0; pointer-events:none;
  background:
    radial-gradient(ellipse 70% 50% at 50% -10%, rgba(201,162,39,.20), transparent 60%),
    radial-gradient(ellipse 60% 40% at 100% 50%, rgba(40,83,140,.35), transparent 70%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(30,142,90,.18), transparent 70%);
}
.section-navy::after{
  /* edge vignette */
  content:""; position:absolute; inset:0; pointer-events:none;
  background:radial-gradient(ellipse at center, transparent 55%, rgba(0,0,0,.22) 100%);
}
.section-navy > .container{ position:relative; z-index:1 }
.section-navy h2, .section-navy h3{ color:#fff }
.section-navy p{ color:#cfd7e6 }

.section-head{ text-align:center; max-width:780px; margin:0 auto 14px; padding-top:14px }
.section-head p{ color:var(--muted); font-size:1.08rem; line-height:1.6 }
.section-head.left{ text-align:left; margin-left:0 }

/* ---------- Cards (premium) ---------- */
.card{
  background:linear-gradient(180deg, rgba(255,255,255,.92) 0%, rgba(255,255,255,.78) 100%);
  border:1px solid rgba(255,255,255,.7);
  border-radius:var(--radius);
  padding:30px;
  backdrop-filter:blur(18px) saturate(140%);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.9),
    inset 0 -1px 0 rgba(11,31,58,.04),
    0 1px 2px rgba(11,31,58,.04),
    0 14px 32px -18px rgba(11,31,58,.18);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
  position:relative; isolation:isolate;
}
.card::before{
  /* subtle gold corner accent — appears on hover */
  content:""; position:absolute; top:0; right:0;
  width:42px; height:42px;
  background:linear-gradient(135deg, transparent 50%, rgba(201,162,39,.18) 50%);
  border-radius:0 var(--radius) 0 0;
  opacity:0; transition:opacity .3s var(--ease);
  z-index:-1;
}
.card:hover{
  transform:translateY(-6px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,1),
    inset 0 -2px 6px rgba(201,162,39,.06),
    0 10px 22px -10px rgba(201,162,39,.18),
    0 30px 60px -22px rgba(11,31,58,.30);
  border-color:rgba(201,162,39,.45);
}
.card:hover::before{ opacity:1 }

.icon-badge{
  width:60px; height:60px; border-radius:16px;
  background:linear-gradient(135deg, #FBF1C9 0%, #EFD9B1 40%, #C9A227 100%);
  border:1px solid #B8911F;
  display:grid; place-items:center; color:var(--navy);
  margin-bottom:20px;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.9),
    inset 0 -3px 8px rgba(139,110,21,.35),
    0 8px 20px -8px rgba(201,162,39,.55),
    0 2px 4px rgba(139,110,21,.18);
  filter:drop-shadow(0 0 12px rgba(201,162,39,.18));
}
.icon-badge svg{
  width:28px; height:28px;
  filter:drop-shadow(0 1px 0 rgba(255,255,255,.5));
}
.icon-badge.green{
  background:linear-gradient(135deg, #B7EBCB 0%, #5DBA85 50%, var(--green-700) 100%);
  border-color:var(--green-700); color:#fff;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.55),
    inset 0 -3px 8px rgba(15,80,49,.4),
    0 8px 20px -8px rgba(30,142,90,.55),
    0 2px 4px rgba(15,80,49,.2);
  filter:drop-shadow(0 0 12px rgba(30,142,90,.2));
}
.icon-badge.green svg{ filter:drop-shadow(0 1px 0 rgba(0,0,0,.15)) }
.icon-badge.navy{
  background:linear-gradient(135deg, var(--navy-500) 0%, var(--navy-600) 50%, var(--navy) 100%);
  border-color:var(--navy); color:var(--gold);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.20),
    inset 0 -3px 8px rgba(0,0,0,.3),
    0 8px 20px -8px rgba(11,31,58,.55),
    0 2px 4px rgba(11,31,58,.2);
}
.icon-badge.navy svg{ filter:drop-shadow(0 1px 0 rgba(0,0,0,.3)) }

.grid-3{ display:grid; grid-template-columns:repeat(3, 1fr); gap:24px }
.grid-2{ display:grid; grid-template-columns:repeat(2, 1fr); gap:24px }
.grid-4{ display:grid; grid-template-columns:repeat(4, 1fr); gap:20px }
@media (max-width:1000px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:640px){
  .grid-3, .grid-2, .grid-4{grid-template-columns:1fr}
}

/* Card media — image or video that extends to the card edges */
.card-media{
  position:relative;
  margin: -30px -30px 20px;
  /* no aspect-ratio — height follows the media's natural size, no cropping */
  overflow:hidden;
  border-radius: var(--radius) var(--radius) 0 0;
  background:var(--navy-50);
  isolation:isolate;
}
.card-media > img,
.card-media > video{
  display:block;
  width:100%;
  height:auto;          /* natural aspect — never crop, never zoom */
}
.card-media::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(180deg, transparent 55%, rgba(11,31,58,.22) 100%);
  pointer-events:none;
}
@media (max-width: 520px){
  .card-media{ margin: -24px -24px 16px }
}

/* Loan cards — premium with top accent and arrow CTA */
.loan-card{
  display:flex; flex-direction:column; height:100%;
  padding-top:34px;
}
.loan-card::after{
  /* top gold strip — appears on hover */
  content:""; position:absolute; top:0; left:0; right:0;
  height:3px;
  background:linear-gradient(90deg, var(--gold) 0%, var(--gold-soft) 100%);
  border-radius:var(--radius) var(--radius) 0 0;
  transform:scaleX(0); transform-origin:left center;
  transition:transform .35s var(--ease);
}
.loan-card:hover::after{ transform:scaleX(1) }
.loan-card .icon-badge{ margin-bottom:20px }
.loan-card h3{ margin-bottom:.45em }
.loan-card .pillrow{ display:flex; gap:6px; flex-wrap:wrap; margin-bottom:14px }
.pill{
  background:linear-gradient(180deg, #FBF6E3 0%, var(--warm) 100%);
  color:var(--navy);
  border:1px solid #eadfb5; padding:5px 11px; border-radius:999px;
  font-size:.72rem; font-weight:600; letter-spacing:.02em;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.8),
    inset 0 -1px 0 rgba(139,110,21,.10),
    0 1px 2px rgba(139,110,21,.08);
}
.pill.green{
  background:linear-gradient(180deg, #EEF8F2 0%, #E2F4EB 100%);
  color:var(--green-700); border-color:#A9DBBF;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.8),
    inset 0 -1px 0 rgba(15,80,49,.10),
    0 1px 2px rgba(15,80,49,.08);
}
.loan-card ul{ list-style:none; padding:0; margin:0 0 22px }
.loan-card ul li{
  padding:10px 0; border-top:1px dashed var(--line);
  display:flex; gap:.6rem; align-items:flex-start;
  font-size:.93rem; color:var(--muted); line-height:1.5;
}
.loan-card ul li::before{
  content:""; flex:0 0 6px; width:6px; height:6px;
  background:var(--gold); border-radius:50%; margin-top:.55rem;
}
.loan-card .spacer{ flex:1 }
/* "Read more" pointer — no arrow, just a confident text CTA with growing underline */
.loan-card .arrow{
  color:var(--green-700); font-weight:700;
  font-size:.78rem; letter-spacing:.16em; text-transform:uppercase;
  margin-top:auto; padding-top:16px;
  position:relative; align-self:flex-start;
  border-top:1px dashed var(--line);
  width:100%;
  transition:color .2s;
}
.loan-card .arrow::after{
  content:""; display:block;
  width:28px; height:2px;
  background:linear-gradient(90deg, var(--green) 0%, var(--green-700) 100%);
  border-radius:2px;
  margin-top:8px;
  transition: width .3s var(--ease);
}
.loan-card:hover .arrow{ color:var(--green) }
.loan-card:hover .arrow::after{ width:64px }
/* Defense: any stray svg inside .arrow must stay small */
.loan-card .arrow svg{ width:14px; height:14px; flex:0 0 14px }

/* Loan cards with media: drop the gold top accent and the extra top padding */
.loan-card:has(.card-media){ padding-top:30px }
.loan-card:has(.card-media)::after{ display:none }

/* Feature card */
.feature{ display:flex; gap:16px; align-items:flex-start }
.feature .icon-badge{ flex:0 0 auto; margin-bottom:0 }
.feature h4{ margin:8px 0 6px; color:var(--navy); font-family:var(--font-head); font-size:1.15rem; font-weight:700 }
.feature p{ color:var(--muted); margin:0; font-size:.96rem; line-height:1.55 }

/* ---------- Process steps (with connecting line) ---------- */
.steps{ display:grid; gap:20px; position:relative }
.step{
  display:grid; grid-template-columns:72px 1fr; gap:22px; align-items:flex-start;
  background:#fff; padding:26px 28px;
  border-radius:var(--radius);
  border:1px solid var(--line);
  box-shadow:var(--shadow-sm);
  position:relative;
  transition:transform .25s var(--ease), box-shadow .25s var(--ease);
}
.step:hover{ transform:translateY(-3px); box-shadow:var(--shadow-md) }
.step .num{
  counter-increment:step;
  width:60px; height:60px; border-radius:16px;
  background:linear-gradient(135deg, var(--navy-500) 0%, var(--navy-600) 40%, var(--navy) 100%);
  color:var(--gold);
  display:grid; place-items:center;
  font-family:var(--font-head); font-size:1.55rem; font-weight:700;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.25),
    inset 0 -4px 10px rgba(0,0,0,.35),
    0 10px 22px -8px rgba(11,31,58,.5),
    0 2px 4px rgba(11,31,58,.2);
  text-shadow:0 1px 0 rgba(0,0,0,.4);
  position:relative;
}
.step .num::before{ content:counter(step, decimal-leading-zero) }
.step .num::after{
  /* gold dot accent — embossed */
  content:""; position:absolute; top:-4px; right:-4px;
  width:12px; height:12px; border-radius:50%;
  background:linear-gradient(135deg, #E6BD3F 0%, var(--gold) 50%, var(--gold-deep) 100%);
  border:2px solid #fff;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.5),
    0 2px 5px rgba(201,162,39,.6),
    0 0 8px rgba(201,162,39,.4);
}
.step h3{ margin:0 0 .4em; color:var(--navy); font-family:var(--font-head); font-size:1.22rem; font-weight:700 }
.step p{ margin:0; color:var(--muted); line-height:1.55 }
.steps{ counter-reset: step }
.steps.cols-2{ grid-template-columns:1fr 1fr }
@media (max-width:820px){ .steps.cols-2{ grid-template-columns:1fr } }

/* ---------- Split feature ---------- */
.split{
  display:grid; grid-template-columns:1.05fr 1fr; gap:70px; align-items:center;
}
@media (max-width:900px){ .split{ grid-template-columns:1fr; gap:40px } }
.split-media{
  border-radius:var(--radius-lg); overflow:hidden;
  box-shadow:var(--shadow-xl);
  position:relative;
  background:var(--navy);
  isolation:isolate;
}
.split-media::after{
  /* subtle gold corner frame */
  content:""; position:absolute; inset:0; pointer-events:none;
  border:1px solid rgba(201,162,39,.12);
  border-radius:var(--radius-lg);
}
.split-media img, .split-media video{
  display:block;
  width:100%;
  height:auto;          /* natural aspect — never crop, never zoom */
}
.split-media .float-stat{
  position:absolute; left:22px; bottom:22px;
  background:linear-gradient(180deg, rgba(255,255,255,.95) 0%, rgba(255,255,255,.85) 100%);
  padding:18px 22px; border-radius:14px;
  border-left:4px solid var(--gold);
  backdrop-filter:blur(18px) saturate(140%);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,1),
    inset 0 -2px 6px rgba(201,162,39,.08),
    0 14px 32px -10px rgba(11,31,58,.30);
}
.split-media .float-stat strong{
  display:block; color:var(--navy);
  font-family:var(--font-head); font-size:1.5rem; line-height:1; letter-spacing:-.015em;
  margin-bottom:4px;
}
.split-media .float-stat span{ font-size:.82rem; color:var(--muted); letter-spacing:.01em }

/* ---------- Calculator ---------- */
.calc{
  background:#fff; border-radius:var(--radius-lg);
  padding:36px;
  border:1px solid var(--line);
  box-shadow:var(--shadow-md);
  display:grid; grid-template-columns:1.1fr .9fr; gap:38px;
}
@media (max-width:900px){ .calc{ grid-template-columns:1fr; padding:28px } }
.calc h3{ margin-top:0 }
.calc-fields{ display:grid; grid-template-columns:1fr 1fr; gap:16px }
.calc .full{ grid-column:1/-1 }
.field{ display:flex; flex-direction:column; gap:8px }
.field label{
  font-size:.82rem; font-weight:600; color:var(--navy);
  letter-spacing:.02em;
}
.field input, .field select, .field textarea{
  border:1.5px solid var(--line); background:#fff; color:var(--ink);
  padding:14px 16px; border-radius:12px; font:inherit; font-size:.96rem;
  transition: border-color .15s, box-shadow .15s, background .15s;
}
.field input:hover, .field select:hover, .field textarea:hover{
  border-color:#CFD7E5;
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline:none; border-color:var(--gold);
  box-shadow:0 0 0 4px rgba(201,162,39,.18);
  background:#fff;
}
.range-row{ display:flex; align-items:center; gap:12px }
.range-row input[type=range]{ flex:1; accent-color:var(--green) }

.calc-result{
  background:linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%);
  color:#fff;
  border-radius:var(--radius); padding:30px;
  display:flex; flex-direction:column; justify-content:center;
  position:relative; overflow:hidden; isolation:isolate;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.10),
    inset 0 -2px 12px rgba(0,0,0,.25),
    0 16px 30px -12px rgba(11,31,58,.5);
}
.calc-result::before{
  content:""; position:absolute; inset:0; z-index:-1;
  background:
    radial-gradient(ellipse 80% 50% at 50% -20%, rgba(201,162,39,.28), transparent 60%),
    radial-gradient(ellipse 60% 40% at 100% 100%, rgba(40,83,140,.40), transparent 70%),
    radial-gradient(ellipse 50% 40% at 0% 50%, rgba(30,142,90,.18), transparent 70%);
}
.calc-result::after{
  /* vignette */
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:radial-gradient(ellipse at center, transparent 55%, rgba(0,0,0,.28) 100%);
}
.calc-result .label{
  color:#bcc7dc; font-size:.82rem; letter-spacing:.1em;
  text-transform:uppercase; margin-bottom:8px; font-weight:600;
}
.calc-result .big{
  font-family:var(--font-head);
  font-size:clamp(2.4rem, 5vw, 3.3rem);
  color:var(--gold); line-height:1.05; letter-spacing:-.02em;
}
.calc-result .breakdown{
  display:grid; grid-template-columns:1fr 1fr; gap:16px;
  margin-top:26px; padding-top:22px;
  border-top:1px solid rgba(255,255,255,.18);
}
.calc-result .breakdown div span{ display:block; font-size:.78rem; color:#bcc7dc; margin-bottom:2px }
.calc-result .breakdown div strong{ color:#fff; font-family:var(--font-head); font-size:1.18rem; letter-spacing:-.01em }

/* ---------- Forms ---------- */
.form-card{
  background:#fff; border-radius:var(--radius-lg);
  padding:36px;
  border:1px solid var(--line);
  box-shadow:var(--shadow-md);
  position:relative;
}
.form-card::before{
  /* gold corner ribbon */
  content:""; position:absolute; top:0; left:0;
  width:40px; height:40px;
  background:linear-gradient(135deg, var(--gold) 0%, var(--gold-deep) 100%);
  border-radius:var(--radius-lg) 0 0 0;
  clip-path: polygon(0 0, 100% 0, 0 100%);
}
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:16px }
.form-grid .full{ grid-column:1/-1 }
@media (max-width:640px){ .form-grid, .calc-fields{ grid-template-columns:1fr } }
.consent{ font-size:.82rem; color:var(--muted); line-height:1.5 }
.success-note{
  background:#E2F4EB; border:1px solid #A9DBBF; color:var(--green-700);
  padding:16px 18px; border-radius:12px; margin-top:14px;
  font-weight:600; display:flex; align-items:center; gap:10px;
}
.success-note[hidden],.error-note[hidden]{display:none!important}

/* ---------- Testimonials ---------- */
.testimonial{
  background:#fff; border-radius:var(--radius);
  padding:34px 28px 28px;
  border:1px solid var(--line);
  box-shadow:var(--shadow-sm);
  position:relative;
  transition:transform .3s var(--ease), box-shadow .3s var(--ease);
}
.testimonial:hover{ transform:translateY(-4px); box-shadow:var(--shadow-md) }
.testimonial::before{
  content:"“"; position:absolute; top:-14px; left:24px;
  width:48px; height:48px; border-radius:50%;
  background:linear-gradient(135deg, #E6BD3F 0%, var(--gold) 40%, var(--gold-deep) 100%);
  color:#fff;
  font-family:var(--font-head); font-size:3rem; line-height:.7;
  display:grid; place-items:center; padding-top:14px;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.55),
    inset 0 -3px 8px rgba(139,110,21,.4),
    0 8px 22px -8px rgba(201,162,39,.6),
    0 2px 4px rgba(139,110,21,.2);
  text-shadow:0 1px 0 rgba(0,0,0,.15);
}
.testimonial .stars{
  color:var(--gold); margin-bottom:12px;
  font-size:1.1rem; letter-spacing:.05em;
}
.testimonial p{ color:var(--ink); font-size:1rem; line-height:1.6 }
.testimonial .who{ display:flex; align-items:center; gap:14px; margin-top:18px; padding-top:18px; border-top:1px dashed var(--line) }
.testimonial .who .avatar{
  width:46px; height:46px; border-radius:50%;
  background:linear-gradient(135deg, var(--navy-500) 0%, var(--navy-600) 50%, var(--navy) 100%);
  color:var(--gold); display:grid; place-items:center;
  font-weight:700; font-family:var(--font-head); font-size:1rem;
  border:2px solid var(--gold);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.18),
    inset 0 -2px 6px rgba(0,0,0,.30),
    0 6px 14px -6px rgba(11,31,58,.45);
  text-shadow:0 1px 0 rgba(0,0,0,.4);
}
.testimonial .who strong{ display:block; color:var(--navy); font-size:.95rem }
.testimonial .who small{ color:var(--muted); font-size:.82rem }

/* ---------- Areas served ---------- */
.area-grid{ display:grid; grid-template-columns:repeat(4, 1fr); gap:16px }
@media (max-width:900px){ .area-grid{ grid-template-columns:repeat(2, 1fr) } }
@media (max-width:480px){ .area-grid{ grid-template-columns:1fr } }
.area-tile{
  display:flex; align-items:center; justify-content:space-between;
  padding:20px 22px;
  background:#fff;
  border-radius:var(--radius);
  border:1px solid var(--line);
  color:var(--navy); font-weight:600; font-size:1rem;
  transition: .25s var(--ease);
  position:relative; overflow:hidden;
  box-shadow:var(--shadow-xs);
}
.area-tile::before{
  content:""; position:absolute; left:0; top:0; bottom:0;
  width:3px;
  background:var(--gold);
  transform:scaleY(0); transform-origin:center bottom;
  transition:transform .3s var(--ease);
}
.area-tile:hover{
  border-color:var(--gold);
  transform:translateY(-3px);
  box-shadow:var(--shadow-md);
  color:var(--gold-deep);
}
.area-tile:hover::before{ transform:scaleY(1) }
.area-tile svg{ width:18px; height:18px; color:var(--gold); transition:transform .25s var(--ease) }
.area-tile:hover svg{ transform:translateX(4px) }

/* ---------- FAQ ---------- */
.faq{ display:grid; gap:14px; max-width:900px; margin:0 auto }
.faq-cat{ font-size:.8rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--gold); font-family:var(--font-body); margin:2rem 0 .25rem; border-bottom:1px solid var(--line); padding-bottom:.5rem }
.faq-item{
  background:#fff; border:1px solid var(--line);
  border-radius:16px; overflow:hidden;
  transition:box-shadow .25s var(--ease), border-color .25s, transform .25s;
}
.faq-item:hover{ box-shadow:var(--shadow-sm); transform:translateY(-1px) }
.faq-item[open]{
  box-shadow:var(--shadow-md);
  border-color:rgba(201,162,39,.4);
}
.faq-item summary{
  list-style:none; cursor:pointer;
  padding:22px 26px;
  display:flex; align-items:center; justify-content:space-between; gap:20px;
  font-weight:600; color:var(--navy);
  font-size:1.05rem; letter-spacing:-.005em;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:""; flex:0 0 32px; width:32px; height:32px;
  border-radius:50%; background:var(--warm);
  display:inline-grid; place-items:center;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A6841A' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat:no-repeat; background-position:center;
  transition: transform .3s var(--ease), background-color .2s;
}
.faq-item:hover summary::after{ background-color:#EFE7D2 }
.faq-item[open] summary::after{
  transform:rotate(180deg);
  background-color:var(--gold);
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
}
.faq-item .ans{
  padding:0 26px 24px;
  color:var(--muted); font-size:.97rem; line-height:1.65;
}

/* ---------- CTA banner (premium) ---------- */
.cta-banner{
  background:linear-gradient(120deg, var(--navy) 0%, var(--navy-700) 60%, var(--navy-600) 100%);
  color:#fff;
  border-radius:var(--radius-xl);
  padding: clamp(36px, 5vw, 60px);
  display:grid; grid-template-columns:1.4fr auto; gap:36px; align-items:center;
  position:relative; overflow:hidden; isolation:isolate;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.12),
    inset 0 -3px 14px rgba(0,0,0,.30),
    0 30px 80px -28px rgba(11,31,58,.55),
    0 60px 120px -40px rgba(11,31,58,.40);
}
.cta-banner::after{
  /* atmospheric stacked glows */
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(ellipse 60% 50% at 90% -10%, rgba(201,162,39,.40), transparent 60%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(30,142,90,.25), transparent 70%),
    radial-gradient(ellipse 70% 50% at 50% 110%, rgba(40,83,140,.35), transparent 70%);
}
.cta-banner::before{
  /* vignette + subtle grid */
  content:""; position:absolute; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(ellipse at center, transparent 55%, rgba(0,0,0,.28) 100%),
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px) 0 0 / 50px 50px,
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px) 0 0 / 50px 50px;
}
.cta-banner h2{ color:#fff; margin-bottom:.45em; max-width:18ch }
.cta-banner p{ color:#cfd7e6; margin:0; font-size:1.05rem; line-height:1.55; max-width:55ch }
.cta-actions{ display:flex; flex-direction:column; gap:12px; min-width:240px }
@media (max-width:820px){
  .cta-banner{ grid-template-columns:1fr; padding:32px }
  .cta-actions{ min-width:0 }
}

/* ---------- Footer (premium) ---------- */
.site-footer{
  background:
    linear-gradient(180deg, var(--navy) 0%, #081832 100%);
  color:#cfd7e6;
  padding: clamp(60px, 8vw, 90px) 0 0;
  position:relative; overflow:hidden;
}
.site-footer::before{
  content:""; position:absolute; inset:0; pointer-events:none;
  background:radial-gradient(60% 60% at 0% 0%, rgba(201,162,39,.10), transparent 60%);
}
.site-footer > .container{ position:relative; z-index:1 }
.foot-grid{
  display:grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.2fr;
  gap:40px;
}
@media (max-width:900px){ .foot-grid{ grid-template-columns:1fr 1fr; gap:32px 28px } }
@media (max-width:540px){ .foot-grid{ grid-template-columns:1fr; gap:28px } }
.site-footer h4{
  color:#fff; font-family:var(--font-body); font-weight:700;
  text-transform:uppercase; letter-spacing:.14em; font-size:.78rem;
  margin-bottom:20px; position:relative; padding-bottom:12px;
}
.site-footer h4::after{
  content:""; position:absolute; left:0; bottom:0;
  width:28px; height:2px; background:var(--gold); border-radius:2px;
}
.site-footer a{ color:#a8b4c9; transition:color .15s }
.site-footer a:hover{ color:var(--gold-soft) }
.site-footer ul{ list-style:none; padding:0; margin:0; display:grid; gap:2px }
.site-footer ul a{ font-size:.93rem; display:flex; align-items:center; min-height:44px; padding:0 4px }
.foot-brand .brand-mark{ width:54px; height:54px }
.foot-brand p{ color:#a6b3c8; font-size:.93rem; margin:18px 0; line-height:1.65 }
.foot-contact > div{ display:flex; gap:12px; margin-bottom:14px; font-size:.93rem; align-items:flex-start; line-height:1.5 }
.foot-contact svg{ flex:0 0 auto; width:18px; height:18px; color:var(--gold); margin-top:3px }
.foot-bottom{
  border-top:1px solid rgba(255,255,255,.08);
  margin-top:64px; padding:24px 0;
  display:flex; justify-content:space-between; gap:20px; flex-wrap:wrap;
  color:#a6b3c8; font-size:.82rem;
}
.foot-bottom .compliance{ display:flex; gap:14px; align-items:center; flex-wrap:wrap }
.eh-badge{
  display:inline-flex; gap:10px; align-items:center;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.14);
  padding:8px 14px; border-radius:10px; color:#cfd7e6;
  font-size:.82rem; font-weight:500;
}
.eh-badge svg{ width:14px; height:14px; color:var(--gold) }

/* ---------- Misc ---------- */
.divider{ height:1px; background:var(--line); margin:48px 0; border:none }
.text-center{ text-align:center }
.muted{ color:var(--muted) }
.kbd{ background:var(--warm); border:1px solid #eadfb5; padding:1px 7px; border-radius:6px; font-family:ui-monospace, Menlo, monospace; font-size:.86em }

/* ---------- Scroll-reveal ---------- */
.reveal{
  opacity:0; transform:translateY(22px);
  transition: opacity .8s var(--ease-out), transform .8s var(--ease-out);
}
.reveal.in{ opacity:1; transform:none }

/* ---------- Blog grid ---------- */
.blog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px }
@media (max-width:1000px){ .blog-grid{ grid-template-columns:repeat(2,1fr) } }
@media (max-width:640px){ .blog-grid{ grid-template-columns:1fr } }
.blog-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  overflow:hidden;
  display:flex; flex-direction:column;
  box-shadow:var(--shadow-sm);
  transition: .3s var(--ease);
}
.blog-card:hover{
  transform:translateY(-6px);
  box-shadow:var(--shadow-lg);
  border-color:rgba(201,162,39,.4);
}
.blog-card .thumb{ aspect-ratio: 16/10; overflow:hidden; background:var(--navy-50); position:relative }
.blog-card .thumb::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(180deg, transparent 60%, rgba(11,31,58,.15) 100%);
  pointer-events:none;
}
.blog-card .thumb img{ width:100%; height:100%; object-fit:cover; transition:transform .6s var(--ease-out) }
.blog-card:hover .thumb img{ transform:scale(1.06) }
.blog-card .body{ padding:24px; flex:1; display:flex; flex-direction:column }
.blog-card .tag{
  color:var(--gold-deep); font-size:.74rem; font-weight:700;
  letter-spacing:.14em; text-transform:uppercase; margin-bottom:10px;
}
.blog-card h3{ font-size:1.2rem; margin-bottom:.4em }
.blog-card p{ color:var(--muted); font-size:.93rem; line-height:1.55 }

/* ---------- Blog article layout ---------- */
.article-meta{
  display:flex; align-items:center; gap:18px; flex-wrap:wrap;
  margin-top:18px; color:#cfd7e6;
  font-size:.88rem; letter-spacing:.02em;
}
.article-meta .dot{ width:4px; height:4px; border-radius:50%; background:rgba(255,255,255,.3) }
.article-meta strong{ color:#fff; font-weight:600 }
.article-meta .tag{
  background:rgba(201,162,39,.18); color:var(--gold-soft);
  border:1px solid rgba(201,162,39,.35);
  padding:3px 12px; border-radius:999px;
  font-size:.74rem; letter-spacing:.1em; text-transform:uppercase; font-weight:700;
}
.article-body{ max-width:760px; margin:0 auto }
.article-body > img,
.article-body > .article-hero-image{
  width:100%; height:auto; display:block;
  border-radius:18px; margin:0 0 32px;
  box-shadow:var(--shadow-lg);
}
.article-body p{
  font-size:1.08rem; line-height:1.75; color:var(--ink);
  margin:0 0 1.25em;
}
.article-body p strong{ color:var(--navy); font-weight:700 }
.article-body p a{ color:var(--green-700); text-decoration:underline; text-underline-offset:3px; text-decoration-thickness:1.5px }
.article-body p a:hover{ color:var(--green); text-decoration-color:var(--green) }
.article-body h2{
  font-size:clamp(1.45rem, 2.4vw, 1.85rem);
  margin:2.4em 0 .7em; letter-spacing:-.015em;
}
.article-body h2:first-of-type{ margin-top:.6em }
.article-body h3{ font-size:1.25rem; margin:1.8em 0 .55em }
.article-body ul, .article-body ol{
  margin:0 0 1.4em; padding-left:1.5em;
  font-size:1.05rem; line-height:1.7;
}
.article-body li{ margin-bottom:.55em }
.article-body li strong{ color:var(--navy) }
.article-body blockquote{
  margin:1.6em 0; padding:18px 24px;
  border-left:4px solid var(--gold);
  background:var(--warm);
  border-radius:10px;
  font-size:1.05rem; color:var(--navy);
}
.article-body .compliance-box{ font-size:.92rem; margin-top:2.5em }

/* Footer social icons */
.foot-social{display:flex;gap:.65rem;margin-top:1.1rem;align-items:center;flex-wrap:wrap}
.foot-social a{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.12);color:var(--white);transition:background .2s,transform .15s;flex-shrink:0}
.foot-social a:hover{background:var(--gold);transform:translateY(-2px)}
.foot-social svg{width:17px;height:17px;flex-shrink:0}

/* FAQ Block — blog articles */
.faq-block{margin:2.8rem 0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--white)}
.faq-block>h2{font-size:1.3rem;font-family:var(--font-head);color:var(--navy);padding:1.4rem 1.75rem 1rem;margin:0;border-bottom:1px solid var(--line);letter-spacing:-.01em}
.faq-item{border-bottom:1px solid var(--line-2)}
.faq-item:last-child{border-bottom:none}
.faq-item summary{cursor:pointer;padding:1.1rem 1.75rem;font-weight:600;font-size:1rem;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:background .15s}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:hover{background:var(--navy-50)}
.faq-item summary::after{content:'+';font-size:1.35rem;font-weight:400;color:var(--gold);flex-shrink:0;line-height:1;transition:transform .2s}
.faq-item[open]>summary{background:var(--navy-50)}
.faq-item[open]>summary::after{content:'−'}
.faq-item .faq-answer{padding:.25rem 1.75rem 1.25rem;margin:0;color:var(--muted);line-height:1.72;font-size:1.03rem}
.article-cta{
  margin-top:2.4em; padding:28px 32px;
  background:linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%);
  border-radius:18px; color:#fff;
  display:flex; flex-direction:column; gap:16px;
  box-shadow:var(--shadow-lg);
}
.article-cta h3{ color:#fff; margin:0; font-size:1.35rem }
.article-cta p{ color:#cfd7e6; margin:0 }
.article-cta .actions{ display:flex; gap:10px; flex-wrap:wrap }

/* ---------- Glossary ---------- */
.glossary-search{ max-width:560px; margin:0 auto 48px; position:relative }
.glossary-search input{
  width:100%;
  padding:16px 22px 16px 50px;
  border-radius:999px;
  border:1.5px solid var(--line);
  font-size:1rem;
  background:#fff;
  box-shadow:var(--shadow-xs);
  transition: border-color .15s, box-shadow .15s;
}
.glossary-search input:focus{
  outline:none; border-color:var(--gold);
  box-shadow:0 0 0 4px rgba(201,162,39,.18), var(--shadow-sm);
}
.glossary-search::before{
  content:""; position:absolute; left:20px; top:50%; transform:translateY(-50%);
  width:20px; height:20px;
  background:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B1F3A' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><circle cx='11' cy='11' r='7'/><path d='m21 21-4.3-4.3'/></svg>") no-repeat center / contain;
  opacity:.6;
}
.glossary-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px }
@media (max-width:1000px){ .glossary-grid{ grid-template-columns:repeat(2,1fr) } }
@media (max-width:640px){ .glossary-grid{ grid-template-columns:1fr } }
.glossary-card{
  background:#fff; border:1px solid var(--line);
  border-radius:var(--radius); padding:24px;
  border-left:4px solid var(--gold);
  box-shadow:var(--shadow-xs);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}
.glossary-card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-md) }
.glossary-card h3{ font-size:1.08rem; margin-bottom:.45em; color:var(--navy) }
.glossary-card p{ color:var(--muted); font-size:.92rem; margin:0; line-height:1.55 }

/* ---------- Helpers ---------- */
.lead-bullets{ list-style:none; padding:0; margin:0; display:grid; gap:14px }
.lead-bullets li{ display:flex; gap:14px; align-items:flex-start; font-size:.98rem }
.lead-bullets li::before{
  content:""; flex:0 0 26px; width:26px; height:26px; border-radius:50%;
  background:linear-gradient(135deg, var(--green) 0%, var(--green-700) 100%);
  color:#fff;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-repeat:no-repeat; background-position:center; background-size:14px;
  margin-top:2px;
  box-shadow:0 4px 8px -4px rgba(30,142,90,.45);
}
.compliance-box{
  background:var(--warm);
  border:1px solid #eadfb5;
  border-left:4px solid var(--gold);
  padding:20px 24px; border-radius:12px;
  color:var(--muted); font-size:.92rem;
  margin-top:32px; line-height:1.6;
}

/* Map */
.map-box{
  aspect-ratio: 16/9;
  background:linear-gradient(135deg, var(--navy-50), var(--warm));
  border-radius:var(--radius);
  border:1px solid var(--line);
  position:relative; overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.map-box iframe{ width:100%; height:100%; border:0 }

/* Sticky aside */
.aside-cta{
  background:#fff;
  border:1px solid var(--line);
  border-left:4px solid var(--gold);
  border-radius:var(--radius);
  padding:26px;
  box-shadow:var(--shadow-sm);
  transition: box-shadow .25s var(--ease);
}
.aside-cta:hover{ box-shadow:var(--shadow-md) }
.aside-cta h4{ color:var(--navy); margin-bottom:8px; font-family:var(--font-head); font-size:1.2rem; font-weight:700 }
.aside-cta p{ color:var(--muted); font-size:.93rem; line-height:1.55 }

/* Floating WhatsApp */
.fab-whatsapp{
  position:fixed; right:24px; bottom:24px; z-index:80;
  width:60px; height:60px; border-radius:50%;
  background:linear-gradient(140deg, #25D366 0%, #128C7E 100%);
  color:#fff; display:grid; place-items:center;
  box-shadow:0 14px 28px -8px rgba(37,211,102,.55), 0 4px 10px rgba(0,0,0,.15);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}
.fab-whatsapp::before{
  content:""; position:absolute; inset:-6px;
  border-radius:50%; border:2px solid rgba(37,211,102,.35);
  animation: pulse-ring 2.2s var(--ease) infinite;
}
@keyframes pulse-ring{
  0%{ transform:scale(.85); opacity:.8 }
  100%{ transform:scale(1.4); opacity:0 }
}
.fab-whatsapp:hover{ transform:scale(1.08); color:#fff }
.fab-whatsapp svg{ width:30px; height:30px; position:relative; z-index:1 }
@media (max-width:520px){
  .fab-whatsapp{ right:16px; bottom:16px; width:54px; height:54px }
  .fab-whatsapp svg{ width:26px; height:26px }
}

/* Check list (loan benefit lists) */
.check-list{ list-style:none; padding:0; display:grid; gap:12px; margin:0 0 22px }
.check-list li{
  display:flex; gap:12px; align-items:flex-start;
  color:var(--ink); font-size:1rem; line-height:1.55;
}
.check-list li svg{
  flex:0 0 22px; width:22px; height:22px;
  color:var(--green); margin-top:2px;
}

/* Contact quick row */
.contact-quick{ display:flex; flex-wrap:wrap; gap:18px; align-items:center }
.contact-quick a{ display:inline-flex; gap:8px; align-items:center; color:var(--navy); font-weight:600 }
.contact-quick a svg{ width:18px; height:18px; color:var(--gold) }

/* Premium responsive fine-tuning */
@media (max-width:520px){
  .container{ padding:0 18px }
  .card{ padding:24px }
  .form-card{ padding:26px }
  .testimonial{ padding:30px 22px 24px }
  .step{ grid-template-columns:54px 1fr; gap:16px; padding:22px }
  .step .num{ width:46px; height:46px; font-size:1.25rem; border-radius:12px }
  .calc{ padding:22px; gap:24px }
  .calc-result{ padding:24px }
  .nav-top .container{ font-size:.75rem; padding-top:7px; padding-bottom:7px }
  .nav-top .container > span:first-child{ display:none }
  .hero-actions .btn{ width:100% }
  .hero-actions{ width:100% }
}

/* ============ Trust Badges Row ============ */
.trust-strip{
  background: linear-gradient(180deg, #f9fafb 0%, #fff 100%);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 28px 0;
}
.trust-strip .container{
  display:grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 18px;
  align-items: center;
}
.trust-badge{
  display:flex; gap:12px; align-items:center;
  padding: 12px 14px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:14px;
  box-shadow: var(--shadow-sm);
  transition: .25s var(--ease);
}
.trust-badge:hover{ transform: translateY(-2px); border-color: var(--gold); box-shadow: var(--shadow-md) }
.trust-badge .icon{
  width:42px; height:42px; flex:none;
  display:grid; place-items:center;
  border-radius:10px;
  background: linear-gradient(135deg, rgba(201,162,39,.14), rgba(11,31,58,.08));
  color: var(--gold-deep);
}
.trust-badge .icon svg{ width:22px; height:22px }
.trust-badge .text{ display:flex; flex-direction:column; line-height:1.2 }
.trust-badge .text strong{ color: var(--navy); font-size:.92rem; font-weight:700 }
.trust-badge .text small{ color: var(--muted); font-size:.78rem; margin-top:2px }
.trust-badge a{ color: inherit; text-decoration: none; display: contents }

/* ============ Related Articles Widget (blog) ============ */
.related-articles{
  margin: 56px 0 0;
  padding-top: 36px;
  border-top: 1px solid var(--line);
}
.related-articles h2{
  font-size: clamp(1.4rem, 2.2vw, 1.7rem);
  margin: 0 0 22px;
  color: var(--navy);
}
.related-grid{
  display:grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 18px;
}
/* ---------- FAQ List — combo pages accordion ---------- */
.faq-list{
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  max-width: 860px;
  margin: 0 auto;
}
.faq-list .faq-item{
  border-bottom: 1px solid var(--line);
  background: #fff;
  transition: background .18s;
}
.faq-list .faq-item:last-child{ border-bottom: none }
.faq-list .faq-item.is-open{
  background: #FDFAF4;
}
.faq-trigger{
  all: unset;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  width: 100%;
  box-sizing: border-box;
  padding: 22px 28px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  line-height: 1.35;
  letter-spacing: -.01em;
  transition: color .15s;
}
.faq-trigger:focus-visible{
  outline: 2px solid var(--gold);
  outline-offset: -2px;
}
.faq-trigger::after{
  content: "";
  flex: 0 0 30px;
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--warm)
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A6841A' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>")
    no-repeat center;
  transition: transform .3s var(--ease), background-color .2s;
}
.faq-item.is-open .faq-trigger{
  color: var(--gold-deep);
}
.faq-item.is-open .faq-trigger::after{
  transform: rotate(180deg);
  background-color: var(--gold);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
}
.faq-body{
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows .32s var(--ease);
  overflow: hidden;
}
.faq-item.is-open .faq-body{
  grid-template-rows: 1fr;
}
.faq-body p{
  min-height: 0;
  margin: 0;
  padding: 0 28px 24px;
  color: var(--muted);
  font-size: .97rem;
  line-height: 1.72;
  border-left: 3px solid var(--gold);
  margin-left: 28px;
  padding-left: 18px;
  margin-right: 28px;
  margin-bottom: 22px;
}

/* City combo page grid */
.city-grid{
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 16px;
  margin-top: 24px;
}
.city-card{
  display: block;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  text-decoration: none;
  color: inherit;
  transition: .22s var(--ease);
}
.city-card:hover{
  transform: translateY(-3px);
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
}
.city-card strong{
  display: block;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}
.city-card span{
  display: block;
  font-size: .82rem;
  color: var(--muted);
  line-height: 1.4;
}

.related-card{
  display:block;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  transition: .25s var(--ease);
  text-decoration: none;
  color: inherit;
}
.related-card:hover{
  transform: translateY(-4px);
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
}
.related-card .tag{
  display:inline-block;
  font-size:.72rem; font-weight:700;
  text-transform: uppercase; letter-spacing:.06em;
  color: var(--gold-deep);
  margin-bottom: 8px;
}
.related-card h3{
  font-size: 1.02rem;
  margin: 0 0 8px;
  color: var(--navy);
  line-height: 1.3;
}
.related-card p{
  font-size: .88rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.5;
}
/* ── Application Form ───────────────────────────────────────────── */
.app-form{ max-width:860px; margin:0 auto }
.form-section{ background:var(--white); border:1px solid var(--line); border-radius:var(--radius); padding:32px; margin-bottom:24px }
.form-section-title{ font-size:1.05rem; font-weight:700; color:var(--navy); margin:0 0 22px; padding-bottom:12px; border-bottom:2px solid var(--gold); display:inline-block }
.form-grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:18px }
@media(max-width:600px){ .form-grid-2{ grid-template-columns:1fr } }
.form-group{ display:flex; flex-direction:column; gap:6px }
.form-group label{ font-size:.88rem; font-weight:600; color:var(--navy) }
.form-group .req{ color:#c0392b }
.form-group input,
.form-group select,
.form-group textarea{
  border:1.5px solid var(--line); border-radius:8px; padding:10px 14px;
  font-size:.95rem; font-family:inherit; color:var(--navy);
  background:var(--white); transition:border-color .2s, box-shadow .2s;
  width:100%; box-sizing:border-box;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{
  outline:none; border-color:var(--gold); box-shadow:0 0 0 3px rgba(201,162,39,.15)
}
.form-group textarea{ resize:vertical; min-height:100px }
.form-submit-area{ text-align:center; margin-top:12px }
.form-submit-area .btn-lg{ padding:16px 48px; font-size:1.05rem }
.compliance-note{ font-size:.78rem; color:#7a8599; margin-top:16px; max-width:640px; margin-left:auto; margin-right:auto; line-height:1.6 }
/* ===== BLOG PREVIEW SECTION (homepage) ===== */
.blog-preview-section{ padding:80px 0; background:var(--light) }
.blog-preview-section .section-header{ text-align:center; margin-bottom:48px }
.blog-preview-section .section-header h2{ font-size:2rem; color:var(--navy); margin-bottom:10px }
.blog-preview-section .section-header p{ font-size:1.05rem; color:var(--slate); max-width:520px; margin:0 auto }
.blog-preview-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px }
.blog-preview-card{
  background:var(--white); border-radius:12px; padding:28px 24px;
  border:1px solid var(--line); display:flex; flex-direction:column; gap:12px;
  transition:box-shadow .2s, transform .2s;
}
.blog-preview-card:hover{ box-shadow:0 8px 32px rgba(10,36,99,.10); transform:translateY(-3px) }
.blog-preview-tag{
  display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.06em;
  text-transform:uppercase; color:var(--navy); background:rgba(201,162,39,.18);
  padding:3px 10px; border-radius:20px; width:fit-content;
}
.blog-preview-card h3{ font-size:1rem; line-height:1.45; color:var(--navy); margin:0 }
.blog-preview-card h3 a{ color:inherit; text-decoration:none }
.blog-preview-card h3 a:hover{ color:var(--gold) }
.blog-preview-card p{ font-size:.9rem; color:var(--slate); line-height:1.6; margin:0; flex:1 }
.blog-preview-link{ font-size:.88rem; font-weight:600; color:var(--gold); text-decoration:none }
.blog-preview-link:hover{ text-decoration:underline }
.blog-preview-cta{ text-align:center; margin-top:40px }
@media(max-width:1000px){ .blog-preview-grid{ grid-template-columns:repeat(2,1fr) } }
@media(max-width:640px){ .blog-preview-grid{ grid-template-columns:1fr } .blog-preview-section{ padding:56px 0 } }