@font-face {
  font-family: 'Space Grotesk';
  font-weight: 500;
  src: url('/static/fonts/space-grotesk-500.woff2') format('woff2');
}

@font-face {
  font-family: 'Space Grotesk';
  font-weight: 700;
  src: url('/static/fonts/space-grotesk-700.woff2') format('woff2');
}

@font-face {
  font-family: 'Inter';
  font-weight: 400;
  src: url('/static/fonts/inter-400.woff2') format('woff2');
}

@font-face {
  font-family: 'Inter';
  font-weight: 500;
  src: url('/static/fonts/inter-500.woff2') format('woff2');
}

@font-face {
  font-family: 'Inter';
  font-weight: 600;
  src: url('/static/fonts/inter-600.woff2') format('woff2');
}

/* === DESIGN TOKENS === */
:root {
  --ground: #FFFFFF;
  --panel: #EAF3F1;
  --accent: #0E6E6E;
  --accent-dark: #0a5a5a;
  --accent-2: #F2B441;
  --money: #9a6b00;  /* AA-compliant gold for text on light backgrounds */
  --text: #0E1F26;
  --muted: #3a5562;
  --radius: 12px;
  --shadow-sm: 0 2px 8px rgba(14,110,110,0.08);
  --shadow-md: 0 6px 24px rgba(14,110,110,0.13);
  /* rhythm system */
  --section-y: 5rem;
  --section-y-mob: 3rem;
  --container-max: 1100px;
  --container-px: 1rem;
}

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  background: var(--ground);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
button { cursor: pointer; font-family: inherit; }
ul { list-style: none; }

/* === FOCUS === */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
  border-radius: 4px;
}

/* === CONTAINER === */
.container {
  width: min(var(--container-max), 100% - (var(--container-px) * 2));
  margin-inline: auto;
}

/* === SCROLL REVEAL === */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.reveal.in-view {
  opacity: 1;
  transform: none;
}
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .marquee-inner { animation: none !important; }
}

/* === HEADER === */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(14,110,110,0.1);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 0;
  gap: 1rem;
}
.site-logo {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--accent);
  letter-spacing: 0.04em;
  text-decoration: none;
}
.site-logo span { color: var(--text); }
.site-nav {
  display: flex;
  gap: 1.5rem;
  align-items: center;
}
.site-nav a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--muted);
  transition: color 0.2s;
  white-space: nowrap;
}
.site-nav a:hover { color: var(--accent); text-decoration: none; }
.site-nav a.btn-primary { color: #fff; }
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0;
  border: none;
  background: none;
  cursor: pointer;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 2px; }
@media (max-width: 768px) {
  .header-inner { position: relative; }
  .nav-toggle { display: flex; }
  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    padding: 0.5rem 0 1rem;
    border-bottom: 1px solid rgba(14,110,110,0.12);
    box-shadow: 0 10px 24px rgba(0,0,0,0.07);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 0.85rem 0.25rem; font-size: 1rem; }
  .site-nav a.btn-primary { justify-content: center; margin-top: 0.5rem; }
}

/* Loans dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--muted);
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
  transition: color 0.2s;
}
.nav-dropdown-toggle:hover { color: var(--accent); }
.nav-dropdown-toggle .chev { transition: transform 0.2s; }
.nav-dropdown.open .nav-dropdown-toggle .chev { transform: rotate(180deg); }
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  margin-top: 0.6rem;
  min-width: 220px;
  background: #fff;
  border: 1px solid rgba(14,110,110,0.12);
  border-radius: 12px;
  box-shadow: 0 12px 30px rgba(0,0,0,0.10);
  padding: 0.4rem;
  z-index: 60;
}
.nav-dropdown-menu::before { /* bridges the gap so hover doesn't drop */
  content: "";
  position: absolute;
  top: -0.6rem; left: 0; right: 0; height: 0.6rem;
}
.nav-dropdown-menu a {
  display: block;
  padding: 0.6rem 0.85rem;
  border-radius: 8px;
  font-size: 0.9rem;
  color: var(--text);
  white-space: nowrap;
}
.nav-dropdown-menu a:hover { background: var(--ground); color: var(--accent); text-decoration: none; }
.nav-dropdown.open .nav-dropdown-menu { display: block; }
@media (hover: hover) and (pointer: fine) {
  .nav-dropdown:hover .nav-dropdown-menu { display: block; }
}
@media (max-width: 768px) {
  .nav-dropdown { width: 100%; }
  .nav-dropdown-toggle {
    width: 100%;
    justify-content: space-between;
    padding: 0.85rem 0.25rem;
    font-size: 1rem;
    color: var(--text);
  }
  .nav-dropdown-menu {
    position: static;
    margin-top: 0;
    min-width: 0;
    border: none;
    border-radius: 0;
    box-shadow: none;
    padding: 0 0 0 0.75rem;
  }
  .nav-dropdown-menu::before { display: none; }
  .nav-dropdown-menu a { padding: 0.7rem 0.25rem; }
}

/* Mobile sticky CTA bar (hidden on desktop) */
.mob-action-bar { display: none; }
@media (max-width: 768px) {
  .mob-action-bar {
    display: block;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 80;
    padding: 0.6rem 1rem calc(0.6rem + env(safe-area-inset-bottom));
    background: rgba(255,255,255,0.96);
    backdrop-filter: blur(8px);
    border-top: 1px solid rgba(14,110,110,0.12);
    box-shadow: 0 -6px 18px rgba(0,0,0,0.06);
  }
  .mob-cta-btn { display: flex; width: 100%; justify-content: center; }
  main, .site-footer { padding-bottom: 4.75rem; } /* clear the fixed CTA bar */
}
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--accent);
  color: #fff;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.875rem;
  padding: 0.6rem 1.25rem;
  border-radius: 100px;
  border: none;
  transition: background 0.2s, transform 0.15s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary:hover { background: var(--accent-dark); transform: translateY(-1px); text-decoration: none; }
.btn-gold {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--accent-2);
  color: #0E1F26;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.65rem 1.35rem;
  border-radius: 100px;
  border: none;
  transition: filter 0.2s, transform 0.15s;
  white-space: nowrap;
  cursor: pointer;
  -webkit-font-smoothing: antialiased;
}
.btn-gold:hover { filter: brightness(1.06); transform: translateY(-1px); text-decoration: none; }
@media (max-width: 768px) {
  .site-nav { display: none; }
}

/* === HERO === */
.hero {
  background: var(--ground);
  padding: 4.5rem 0 3.5rem; /* hero intentionally taller */
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero { padding: var(--section-y-mob) 0; }
}
.hero-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: var(--panel);
  padding: 0.3rem 0.85rem;
  border-radius: 100px;
  margin-bottom: 1rem;
}
h1 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.75rem, 4vw, 2.6rem);
  line-height: 1.2;
  color: var(--text);
  margin-bottom: 0.85rem;
}
.hero-subhead {
  font-size: 1rem;
  color: var(--muted);
  margin-bottom: 1.75rem;
  line-height: 1.65;
}
.hero-ctas {
  display: flex;
  gap: 0.85rem;
  flex-wrap: wrap;
}

/* === CALCULATOR === */
.calc-card {
  background: var(--panel);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}
.calc-card-title {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--accent);
  margin-bottom: 1.25rem;
}
.calc-field { margin-bottom: 1.1rem; }
.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.35rem;
}
.calc-label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--muted);
}
.calc-value {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: 2px;
  background: rgba(14,110,110,0.15);
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--accent);
  border: 2px solid #fff;
  box-shadow: 0 2px 6px rgba(14,110,110,0.3);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--accent);
  border: 2px solid #fff;
  box-shadow: 0 2px 6px rgba(14,110,110,0.3);
  cursor: pointer;
}
input[type="range"]:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
}
.range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  color: var(--muted);
  margin-top: 0.25rem;
}
.tenure-toggle {
  display: flex;
  gap: 0.4rem;
  margin-bottom: 0.4rem;
}
.tenure-toggle button {
  font-size: 0.72rem;
  font-weight: 600;
  padding: 0.2rem 0.65rem;
  border-radius: 100px;
  border: 1px solid rgba(14,110,110,0.25);
  background: none;
  color: var(--muted);
  transition: background 0.15s, color 0.15s;
}
.tenure-toggle button.active {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

/* EMI output */
.calc-output {
  background: #fff;
  border-radius: 10px;
  padding: 1.25rem;
  margin-top: 1.25rem;
}
.calc-emi-label {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.1rem;
}
.calc-emi-amount {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--money);
  font-variant-numeric: tabular-nums;
  line-height: 1.1;
}
.calc-emi-framing {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 0.2rem;
  margin-bottom: 0.15rem;
}
.calc-emi-perlakh {
  font-size: 0.75rem;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
  margin-bottom: 0.75rem;
}

/* mobile capture row */
.hero-mobile-capture {
  display: flex;
  gap: 0.5rem;
  margin-top: 0.85rem;
  margin-bottom: 0.5rem;
  flex-wrap: wrap;
}
.hero-mobile-capture input[type="tel"] {
  flex: 1;
  min-width: 160px;
  padding: 0.6rem 0.9rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.88rem;
  border: 1.5px solid rgba(14,110,110,0.25);
  border-radius: 100px;
  outline: none;
  color: var(--text);
  background: var(--panel);
  transition: border-color 0.2s;
}
.hero-mobile-capture input[type="tel"]:focus {
  border-color: var(--accent);
}
.hero-mobile-label {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}

/* bar */
.calc-bar {
  height: 8px;
  border-radius: 4px;
  overflow: hidden;
  display: flex;
  margin-bottom: 0.5rem;
}
.calc-bar-principal {
  background: var(--accent);
  height: 100%;
  transition: width 0.3s ease;
}
.calc-bar-interest {
  background: var(--accent-2);
  height: 100%;
  transition: width 0.3s ease;
}
.calc-legend {
  display: flex;
  gap: 1rem;
  font-size: 0.72rem;
  color: var(--muted);
  margin-bottom: 0.85rem;
  flex-wrap: wrap;
}
.calc-legend-dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 0.3rem;
  vertical-align: middle;
}
.calc-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.calc-stat {
  background: var(--panel);
  border-radius: 8px;
  padding: 0.65rem 0.85rem;
}
.calc-stat-label {
  font-size: 0.68rem;
  color: var(--muted);
  font-weight: 500;
  margin-bottom: 0.15rem;
}
.calc-stat-value {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}

/* === TRUST STRIP === */
.trust-strip {
  border-top: 1px solid rgba(14,110,110,0.1);
  border-bottom: 1px solid rgba(14,110,110,0.1);
  padding: 1rem 0;
}
.trust-strip-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 0.6rem 1.25rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  color: var(--muted);
}
.trust-strip-item {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  white-space: nowrap;
}
.trust-strip-divider {
  color: rgba(14,110,110,0.3);
}
.trust-star {
  color: var(--accent);
  font-size: 0.9rem;
}

/* === LENDER MARQUEE === */
.lender-strip {
  padding: 1.25rem 0;
  overflow: hidden;
  background: rgba(14,110,110,0.05);
  border-top: 1px solid rgba(14,110,110,0.08);
  border-bottom: 1px solid rgba(14,110,110,0.08);
}
.lender-strip-label {
  text-align: center;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}
.marquee-track {
  overflow: hidden;
  padding: 2rem 0;
}
@media (max-width: 768px) {
  .marquee-track { padding: 1.5rem 0; }
}
.marquee-inner {
  display: flex;
  gap: 0.75rem;
  width: max-content;
  animation: marquee-scroll 34s linear infinite;
}
.marquee-track:hover .marquee-inner,
.marquee-track:focus-within .marquee-inner {
  animation-play-state: paused;
}
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.lender-chip {
  display: inline-flex;
  align-items: center;
  background: var(--panel);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 0.35rem 0.9rem;
  border-radius: 100px;
  border: 1px solid rgba(14,110,110,0.15);
  white-space: nowrap;
}
@media (prefers-reduced-motion: reduce) {
  .marquee-inner { animation: none; }
}

/* === SECTION BASE — uniform vertical rhythm === */
section {
  padding: var(--section-y) 0;
}
@media (max-width: 768px) {
  section { padding: var(--section-y-mob) 0; }
}

/* === SECTION DIVIDER === */
.section-divider {
  height: 1px;
  background: rgba(14,110,110,0.08);
  margin: 0;
}

/* === SECTION HEADINGS === */
.section-heading {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.4rem, 3vw, 2rem);
  color: var(--text);
  text-align: center;
  margin-bottom: 0.5rem;
}
.section-subhead {
  text-align: center;
  color: var(--muted);
  font-size: 0.95rem;
  margin-bottom: 2.5rem;
}

/* === PRODUCTS === */
.products {
  background: var(--ground);
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.25rem;
}
.product-card {
  background: var(--panel);
  border-radius: var(--radius);
  padding: 1.5rem;
  border: 1px solid rgba(14,110,110,0.08);
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
  position: relative;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.product-card:focus-within {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}
.product-badge {
  position: absolute;
  top: 1rem; right: 1rem;
  background: var(--accent);
  color: #fff;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.product-card-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.25rem;
}
.product-name {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--text);
  line-height: 1.2;
}
.product-headline {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.4;
  margin-bottom: 0.1rem;
}
.product-icon {
  width: 40px; height: 40px;
  background: var(--accent);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.product-icon svg {
  width: 22px; height: 22px;
  stroke: white;
  fill: none;
}
.product-rate {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--money);
}
.product-rate sup { font-size: 0.65em; }
.product-points {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}
.product-points span {
  font-size: 0.8rem;
  color: var(--muted);
}
.product-enquire {
  margin-top: auto;
  text-align: right;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--accent);
  text-decoration: none;
}
.product-enquire:hover { text-decoration: underline; }

/* === WHY US === */
.why-us {
  background: var(--panel);
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 1.5rem;
}
.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.why-icon {
  width: 36px; height: 36px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-icon svg {
  width: 16px; height: 16px;
  stroke: white;
  stroke-width: 2.5;
  fill: none;
}
.why-title {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 0.25rem;
  color: var(--text);
}
.why-desc {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.55;
}
.why-founder-note {
  margin-top: 2rem;
  text-align: center;
  font-size: 0.8rem;
  color: var(--muted);
  font-style: italic;
}

/* === HOW IT WORKS === */
.how-it-works {
  background: var(--ground);
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 320px));
  gap: 1.5rem;
  justify-content: center;
}
@media (max-width: 700px) {
  .steps-grid { grid-template-columns: 1fr; }
}
.step-item {
  background: var(--panel);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-align: center;
}
.step-number {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  color: rgba(14,110,110,0.18);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.step-title {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text);
  margin-bottom: 0.35rem;
}
.step-desc {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.55;
}

/* === COMPARISON === */
.comparison-section {
  background: var(--panel);
}
.comparison-wrap {
  overflow-x: auto;
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 520px;
}
.comparison-table th,
.comparison-table td {
  padding: 0.75rem 1rem;
  text-align: left;
  font-size: 0.88rem;
  border-bottom: 1px solid rgba(14,110,110,0.08);
}
.comparison-table thead th {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--text);
  background: rgba(14,110,110,0.07);
}
.col-4s {
  background: rgba(14,110,110,0.05);
  font-weight: 600;
  color: var(--accent);
}
.ct-check {
  color: var(--accent);
  font-weight: 700;
  margin-right: 0.3rem;
}
.ct-x {
  color: #c0392b;
  font-weight: 700;
  margin-right: 0.3rem;
}

/* === COMPLIANCE BAND === */
.compliance-band {
  background: var(--ground);
  /* no one-off border — section background alternation makes the transition clear */
}
.compliance-band-heading {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.4rem, 3vw, 2rem);
  color: var(--text);
  text-align: center;
  margin-bottom: 0.5rem;
}
.compliance-band-para {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.7;
  max-width: 680px;
  margin-inline: auto;
  text-align: center;
  margin-bottom: 2rem;
}
.trust-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 1.25rem;
  justify-content: center;
}
.trust-chip {
  background: var(--panel);
  color: var(--accent);
  border: 1px solid rgba(14,110,110,0.2);
  border-radius: 100px;
  padding: 0.35rem 0.9rem;
  font-size: 0.8rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.trust-chip:hover { background: rgba(14,110,110,0.08); text-decoration: none; }
.compliance-rbi-row {
  font-size: 0.82rem;
  color: var(--muted);
  margin-bottom: 0.75rem;
  text-align: center;
}
.compliance-rbi-row a {
  color: var(--accent);
  text-decoration: underline;
}
.compliance-categories {
  font-size: 0.75rem;
  color: var(--muted);
  letter-spacing: 0.01em;
  text-align: center;
}

/* === TESTIMONIALS === */
.testimonials {
  background: var(--panel);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.25rem;
}
.testi-chip {
  background: var(--ground);
  border-radius: 10px;
  border-left: 3px solid var(--accent);
  padding: 1.25rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.testi-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.testi-avatar {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testi-name {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--text);
}
.testi-city {
  font-size: 0.75rem;
  color: var(--muted);
}
.testi-tag {
  display: inline-block;
  background: var(--panel);
  color: var(--accent);
  font-size: 0.7rem;
  font-weight: 600;
  padding: 0.15rem 0.55rem;
  border-radius: 100px;
  border: 1px solid rgba(14,110,110,0.15);
}
.testi-quote {
  font-size: 0.875rem;
  color: var(--text);
  line-height: 1.6;
}
.testi-highlight {
  color: var(--money);
  font-weight: 700;
}

/* === FAQ === */
.faq {
  background: var(--ground);
}
.faq-list {
  max-width: 720px;
  margin-inline: auto;
}
.faq-list details {
  border-bottom: 1px solid rgba(14,110,110,0.1);
  padding: 0.1rem 0;
}
.faq-list details:last-child { border-bottom: none; }
.faq-list summary {
  padding: 1rem 0;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--text);
  gap: 1rem;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: '+';
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--accent);
  flex-shrink: 0;
}
.faq-list details[open] > summary::after { content: '\2212'; }
.faq-answer {
  padding: 0 0 1rem;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.7;
}

/* === LEAD FORM === */
.lead-form-section {
  background: var(--panel);
}
.form-card {
  background: var(--ground);
  border-radius: var(--radius);
  padding: 2.5rem;
  max-width: 720px;
  margin-inline: auto;
  box-shadow: var(--shadow-md);
}
.form-card h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.4rem, 3vw, 2rem);
  margin-bottom: 0.5rem;
  color: var(--text);
}
.form-trust-line {
  font-size: 0.78rem;
  color: var(--muted);
  margin-bottom: 1.5rem;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (max-width: 580px) {
  .form-grid { grid-template-columns: 1fr; }
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.form-group label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.6rem 0.85rem;
  border: 1.5px solid rgba(14,110,110,0.2);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--text);
  background: var(--ground);
  outline: none;
  transition: border-color 0.2s;
}
.form-group textarea { resize: vertical; min-height: 84px; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--accent);
}
.label-hint {
  font-weight: 400;
  font-size: 0.72rem;
  color: var(--muted);
  text-transform: none;
  letter-spacing: 0;
}
.form-consent {
  grid-column: 1 / -1;
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
}
.form-consent input[type="checkbox"] {
  margin-top: 2px;
  width: 16px; height: 16px;
  accent-color: var(--accent);
  flex-shrink: 0;
}
.form-consent label {
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.5;
}
.form-submit-row {
  grid-column: 1 / -1;
}
.success-msg {
  background: var(--panel);
  border: 1px solid rgba(14,110,110,0.3);
  border-radius: 8px;
  padding: 1.25rem;
  color: var(--accent);
  font-weight: 600;
}
.success-msg h3 { font-family: 'Space Grotesk', sans-serif; margin-bottom: 0.35rem; }
.success-msg p { font-weight: 400; color: var(--muted); }
.error-msg {
  background: #fdecec;
  border: 1px solid #e3a3a3;
  border-radius: 8px;
  padding: 0.85rem 1rem;
  color: #9a2222;
  font-size: 0.9rem;
}
.error-msg a { color: #9a2222; font-weight: 600; }
.form-turnstile { min-height: 65px; }

/* === FOOTER === */
.site-footer {
  background: var(--text);
  color: #adc4cc;
  padding: 3rem 0 1.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1.1fr 1fr 1.2fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
@media (max-width: 860px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 520px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-wordmark {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--accent-2);
  letter-spacing: 0.04em;
  display: block;
  margin-bottom: 0.75rem;
}
.footer-wordmark span { color: #fff; }
.footer-desc { font-size: 0.82rem; line-height: 1.65; max-width: 32ch; }
.footer-disclaimer-line { font-size: 0.78rem; color: var(--accent-2); margin-top: 0.6rem; font-weight: 500; }
.footer-heading--gap { margin-top: 1.5rem; }
.footer-ext-links { margin-top: 0.6rem; display: flex; gap: 0.5rem; align-items: center; flex-wrap: wrap; }
.footer-heading {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.82rem;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
}
.footer-links { display: flex; flex-direction: column; gap: 0.45rem; }
.footer-links a {
  font-size: 0.82rem;
  color: #adc4cc;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-links a:hover { color: #fff; }
.footer-links li { font-size: 0.82rem; }
.footer-compliance {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.25rem;
  font-size: 0.75rem;
  line-height: 1.65;
  color: rgba(173,196,204,0.8);
}
.footer-compliance a {
  color: #adc4cc;
  text-decoration: underline;
}
.footer-bottom {
  margin-top: 1rem;
  font-size: 0.75rem;
  color: #8aa5ad;
}


/* === SERVICE / PRODUCT PAGE === */
.svc-hero {
  background: linear-gradient(135deg, #0E6E6E 0%, #0a5a5a 60%, #094f4f 100%);
  color: #fff;
  padding: 2.5rem 0 5.5rem;
  position: relative;
}
.svc-breadcrumb {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.72);
  margin-bottom: 1.75rem;
  display: flex;
  gap: 0.5rem;
  align-items: center;
  flex-wrap: wrap;
}
.svc-breadcrumb a { color: rgba(255,255,255,0.72); }
.svc-breadcrumb a:hover { color: #fff; }
.svc-hero-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 3rem;
  align-items: center;
}
.svc-hero-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-2);
  background: rgba(255,255,255,0.1);
  padding: 0.3rem 0.85rem;
  border-radius: 100px;
  margin-bottom: 1rem;
}
.svc-hero-copy h1 { color: #fff; margin-bottom: 1rem; }
.svc-hero-sub {
  font-size: 1.05rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.88);
  margin-bottom: 1.75rem;
  max-width: 46ch;
}
.svc-hero-ctas { margin-bottom: 1.25rem; }
.svc-hero-trust {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.66);
}
.svc-rate-card {
  background: rgba(255,255,255,0.97);
  border-radius: 16px;
  padding: 1.75rem;
  text-align: center;
  box-shadow: 0 18px 40px rgba(0,0,0,0.22);
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.svc-rate-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}
.svc-rate-value {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  line-height: 1.1;
  color: var(--money);
}
.svc-rate-note { font-size: 0.78rem; color: var(--muted); }

/* Highlights strip — overlaps the hero */
.svc-highlights {
  margin-top: -3rem;
  position: relative;
  z-index: 2;
}
.svc-highlight-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  background: var(--ground);
  border: 1px solid rgba(14,110,110,0.1);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 1.4rem 1.6rem;
}
.svc-highlight {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  line-height: 1.35;
}
.svc-highlight svg { color: var(--accent); flex-shrink: 0; }

/* Body two-column */
.svc-body { padding: 3.5rem 0 4rem; }
.svc-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 3rem;
  align-items: start;
}
.svc-main { min-width: 0; }
.svc-prose {
  font-size: 1.02rem;
  line-height: 1.75;
  color: var(--muted);
  margin-bottom: 2.5rem;
}
.svc-prose p { margin-bottom: 1rem; }
.svc-prose p:last-child { margin-bottom: 0; }

.svc-block { margin-bottom: 2.5rem; }
.svc-block:last-child { margin-bottom: 0; }
.svc-block-title {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--text);
  margin-bottom: 1.25rem;
  padding-bottom: 0.6rem;
  border-bottom: 2px solid var(--panel);
}

/* Loan types — card grid */
.svc-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.svc-card {
  background: var(--panel);
  border: 1px solid rgba(14,110,110,0.08);
  border-radius: var(--radius);
  padding: 1.1rem 1.25rem;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text);
  line-height: 1.45;
  position: relative;
  padding-left: 2.6rem;
}
.svc-card::before {
  content: "";
  position: absolute;
  left: 1.1rem; top: 1.35rem;
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--accent);
}

/* Benefits — check list */
.svc-checks {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.9rem 1.5rem;
}
.svc-checks li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.95rem;
  color: var(--text);
  line-height: 1.5;
}
.svc-checks svg { flex-shrink: 0; margin-top: 0.05rem; }

/* Eligibility */
.svc-eligibility { display: flex; flex-direction: column; gap: 0.75rem; }
.svc-eligibility li {
  position: relative;
  padding-left: 1.6rem;
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.55;
}
.svc-eligibility li::before {
  content: "";
  position: absolute;
  left: 0; top: 0.55rem;
  width: 7px; height: 7px;
  border-radius: 50%;
  border: 2px solid var(--accent);
}

/* FAQ in service column — drop the centered max-width */
.svc-main .faq-list { max-width: none; margin-inline: 0; }

/* Sticky sidebar */
.svc-sidebar { position: sticky; top: 1.5rem; }
.svc-form-card {
  max-width: none;
  margin-inline: 0;
  padding: 1.75rem;
}
/* sidebar is narrow — stack fields in one column */
.svc-form-card .form-grid { grid-template-columns: 1fr; }

/* Closing CTA band */
.svc-cta-band { background: var(--panel); padding: 3rem 0; }
.svc-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.svc-cta-inner h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.3rem, 3vw, 1.7rem);
  color: var(--text);
  margin-bottom: 0.35rem;
}
.svc-cta-inner p { color: var(--muted); font-size: 0.95rem; max-width: 52ch; }

@media (max-width: 900px) {
  .svc-hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .svc-grid { grid-template-columns: 1fr; gap: 2.25rem; }
  .svc-sidebar { position: static; order: -1; } /* form first on narrow screens */
}
@media (max-width: 580px) {
  .svc-hero { padding: 1.5rem 0 4rem; }
  .svc-hero-sub { font-size: 0.98rem; margin-bottom: 1.25rem; }
  .svc-rate-card { flex-direction: row; align-items: baseline; justify-content: center; flex-wrap: wrap; gap: 0.5rem; padding: 1.1rem 1.25rem; }
  .svc-rate-card .svc-rate-note { flex-basis: 100%; }
  .svc-checks { grid-template-columns: 1fr; }
  .svc-cta-inner { flex-direction: column; align-items: flex-start; }
  .svc-cta-inner .btn-gold { width: 100%; justify-content: center; }
}

/* === ABOUT PAGE === */
.about-hero {
  background: linear-gradient(180deg, var(--panel) 0%, #f3f9f7 100%);
  padding: 2.25rem 0 3rem;
  border-bottom: 1px solid rgba(14,110,110,0.08);
}
.about-hero .svc-breadcrumb,
.about-hero .svc-breadcrumb a { color: var(--muted); }
.about-hero .svc-breadcrumb a:hover { color: var(--accent); }
.about-hero-sub {
  font-size: 1.1rem;
  line-height: 1.65;
  color: var(--muted);
  max-width: 60ch;
  margin-top: 0.5rem;
}

/* Stats strip */
.about-stats { padding: 2rem 0; }
.about-stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  text-align: center;
}
.about-stat {
  background: var(--ground);
  border: 1px solid rgba(14,110,110,0.1);
  border-radius: var(--radius);
  padding: 1.5rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.about-stat-value {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(1.8rem, 4vw, 2.4rem);
  color: var(--accent);
  line-height: 1;
}
.about-stat-label { font-size: 0.82rem; color: var(--muted); line-height: 1.35; }

/* Story + promise */
.about-story { padding: 1rem 0 3.5rem; }
.about-story-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr;
  gap: 3rem;
  align-items: start;
}
.about-prose h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--text);
  margin-bottom: 1rem;
}
.about-promise {
  background: linear-gradient(135deg, #0E6E6E 0%, #0a5a5a 100%);
  color: #fff;
  border-radius: 16px;
  padding: 2rem;
  position: sticky;
  top: 1.5rem;
}
.about-promise-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 0.75rem;
}
.about-promise p { font-size: 1rem; line-height: 1.6; color: rgba(255,255,255,0.92); margin-bottom: 1.5rem; }

/* Values */
.about-values { background: var(--panel); padding: var(--section-y) 0; }
.about-value-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}
.about-value-card {
  background: var(--ground);
  border: 1px solid rgba(14,110,110,0.08);
  border-radius: var(--radius);
  padding: 1.6rem;
  border-top: 3px solid var(--accent);
}
.about-value-card h3 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--text);
  margin-bottom: 0.5rem;
}
.about-value-card p { font-size: 0.92rem; color: var(--muted); line-height: 1.6; }

/* Process steps */
.about-process { padding: var(--section-y) 0; }
.about-step-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  counter-reset: none;
}
.about-step {
  position: relative;
  padding: 1.75rem 1.5rem;
  background: var(--ground);
  border: 1px solid rgba(14,110,110,0.1);
  border-radius: var(--radius);
}
.about-step-num {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--accent-2);
  line-height: 1;
  display: block;
  margin-bottom: 0.75rem;
}
.about-step h3 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--text);
  margin-bottom: 0.4rem;
}
.about-step p { font-size: 0.92rem; color: var(--muted); line-height: 1.6; }

@media (max-width: 900px) {
  .about-stat-row { grid-template-columns: repeat(2, 1fr); }
  .about-story-grid { grid-template-columns: 1fr; gap: 2rem; }
  .about-promise { position: static; }
  .about-step-row { grid-template-columns: 1fr; }
}
@media (max-width: 580px) {
  .about-value-grid { grid-template-columns: 1fr; }
}

/* === GENERIC PAGE (legal, FPC) === */
.page-hero {
  background: linear-gradient(180deg, var(--panel) 0%, #f3f9f7 100%);
  padding: 2.5rem 0;
  border-bottom: 1px solid rgba(14,110,110,0.08);
}
.page-body { padding: 3rem 0 4rem; }
.prose { max-width: 72ch; }
.prose > * + * { margin-top: 1rem; }
.prose h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--text);
  margin-top: 2rem;
}
.prose h3 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--text);
  margin-top: 1.5rem;
}
.prose p, .prose li { font-size: 1rem; line-height: 1.75; color: var(--muted); }
.prose ul, .prose ol { padding-left: 1.4rem; margin-top: 0.75rem; }
.prose ul li { list-style: disc; margin-top: 0.4rem; }
.prose ol li { list-style: decimal; margin-top: 0.4rem; }
.prose strong { color: var(--text); font-weight: 600; }
.prose a { color: var(--accent); text-decoration: underline; }

/* Founder */
.about-founder { padding: 0 0 3.5rem; }
.about-founder-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2rem;
  align-items: center;
  background: var(--panel);
  border: 1px solid rgba(14,110,110,0.1);
  border-radius: 16px;
  padding: 2.25rem;
}
.about-founder-avatar {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0E6E6E 0%, #0a5a5a 100%);
  color: #fff;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 2.4rem;
  letter-spacing: 0.02em;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
}
.about-founder-body h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--text);
  margin: 0.25rem 0 0.15rem;
}
.about-founder-role {
  font-weight: 600;
  color: var(--accent);
  font-size: 0.92rem;
  margin-bottom: 0.75rem;
}
.about-founder-bio { color: var(--muted); line-height: 1.7; font-size: 0.98rem; }
@media (max-width: 580px) {
  .about-founder-card { grid-template-columns: 1fr; text-align: center; gap: 1.25rem; padding: 1.75rem; }
  .about-founder-avatar { margin-inline: auto; }
}

/* Home product group headings */
.products-group-title {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--text);
  margin: 2.75rem 0 1.25rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid rgba(14,110,110,0.12);
}
.products-group-title:first-of-type { margin-top: 1.25rem; }
.footer-contact { margin-top: 0.9rem; }