/* ======================================================
   CASHYLEND — Global Design System
   Premium Fintech Aesthetic
   ====================================================== */

/* Fonts are loaded via <link> in each page's <head> (see index.html) — an
   @import here would serialize the font request behind the stylesheet. */

/* ── CSS Custom Properties ── */
:root {
  /* Colors */
  --navy-900: #060d1a;
  --navy-800: #0a1628;
  --navy-700: #0f1f38;
  --navy-600: #152a4a;
  --navy-500: #1a3560;
  --blue-600: #1d4ed8;
  --blue-500: #2563eb;
  --blue-400: #3b82f6;
  --blue-300: #60a5fa;
  --blue-200: #93c5fd;
  --blue-100: #dbeafe;
  --gold-500: #d4a533;
  --gold-400: #e0b84a;
  --gold-300: #f0cc6b;
  --gold-200: #fce4a0;
  --gold-text: #8a6500;
  --brand-gold: var(--gold-500);
  --green-500: #22c55e;
  --green-100: #dcfce7;
  --red-500: #ef4444;
  --red-100: #fee2e2;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1e293b;
  --gray-900: #0f172a;

  /* Typography */
  --font-heading: 'Outfit', sans-serif;
  --font-body: 'Inter', sans-serif;

  /* Spacing */
  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 24px;
  --space-xl: 32px;
  --space-2xl: 48px;
  --space-3xl: 64px;
  --space-4xl: 96px;

  /* Border Radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Shadows (layered, slate-tinted) */
  --shadow-sm: 0 1px 2px rgba(15,23,42,0.05), 0 1px 3px rgba(15,23,42,0.06);
  --shadow-md: 0 2px 4px rgba(15,23,42,0.05), 0 12px 24px -8px rgba(15,23,42,0.12);
  --shadow-lg: 0 4px 8px rgba(15,23,42,0.05), 0 24px 48px -12px rgba(15,23,42,0.18);
  --shadow-xl: 0 8px 16px rgba(15,23,42,0.06), 0 32px 64px -12px rgba(15,23,42,0.22);
  --shadow-glow: 0 0 30px rgba(37,99,235,0.3);
  --shadow-gold: 0 0 25px rgba(212,165,51,0.25);

  /* Surfaces & gradients */
  --surface-border: rgba(15,23,42,0.08);
  --gradient-gold: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  --gradient-hero: linear-gradient(160deg, #060d1a 0%, #0c1d3a 55%, #123058 100%);

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;
  --transition-slow: 400ms cubic-bezier(0.4, 0, 0.2, 1);

  /* Layout */
  --container-max: 1200px;
  --header-height: 80px;
}

/* ── Reset & Base ── */
*,
*::before,
*::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
  transition: color var(--transition-fast);
}

ul, ol {
  list-style: none;
}

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

button {
  cursor: pointer;
}

/* ── Utilities ── */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

.section-padding {
  padding: clamp(64px, 9vw, 104px) 0;
}

.section-padding-sm {
  padding: clamp(48px, 6vw, 64px) 0;
}

.text-center { text-align: center; }
.text-gold { color: var(--gold-500); }
.text-blue { color: var(--blue-500); }
.text-white { color: var(--white); }
.bg-navy { background: var(--navy-800); }
.bg-gray { background: var(--gray-50); }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--gray-900);
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: 1.25rem; }
h5 { font-size: 1.1rem; }

.section-label {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--blue-600);
  background: var(--blue-100);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
}

.section-title {
  margin-bottom: var(--space-md);
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto var(--space-2xl);
  line-height: 1.7;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 14px 32px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  border-radius: var(--radius-full);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.btn::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.15), transparent);
  transition: left 0.5s ease;
}

.btn:hover::before {
  left: 100%;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-800);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.35), var(--shadow-gold);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(212,165,51,0.4);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.3);
}

.btn-secondary:hover {
  border-color: var(--gold-400);
  color: var(--gold-400);
  transform: translateY(-2px);
}

.btn-blue {
  background: linear-gradient(135deg, var(--blue-500), var(--blue-400));
  color: var(--white);
  box-shadow: var(--shadow-glow);
}

.btn-blue:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(37,99,235,0.5);
}

.btn-outline {
  background: transparent;
  color: var(--blue-500);
  border: 2px solid var(--blue-500);
}

.btn-outline:hover {
  background: var(--blue-500);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-sm {
  padding: 10px 24px;
  font-size: 0.9rem;
}

.btn-lg {
  padding: 18px 40px;
  font-size: 1.1rem;
}

/* ── Header / Navigation ── */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--header-height);
  z-index: 1000;
  transition: all var(--transition-slow);
  background: transparent;
}

.header.scrolled {
  background: rgba(10, 22, 40, 0.72);
  backdrop-filter: blur(18px) saturate(150%);
  -webkit-backdrop-filter: blur(18px) saturate(150%);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  height: 70px;
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.6rem;
  color: var(--white);
  z-index: 1001;
}

.logo-icon {
  width: 42px;
  height: 42px;
  display: block;
  flex-shrink: 0;
  border-radius: var(--radius-md);
  filter: drop-shadow(0 4px 10px rgba(212, 165, 51, 0.35));
  transition: transform var(--transition-fast), filter var(--transition-fast);
}

.logo:hover .logo-icon {
  transform: translateY(-1px) rotate(-3deg);
  filter: drop-shadow(0 6px 14px rgba(212, 165, 51, 0.5));
}

.logo span {
  color: var(--gold-400);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-xl);
}

.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  position: relative;
  padding: 4px 0;
  transition: color var(--transition-fast);
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold-400);
  transition: width var(--transition-base);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-cta {
  padding: 10px 28px !important;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400)) !important;
  color: var(--navy-800) !important;
  border-radius: var(--radius-full) !important;
  font-weight: 600 !important;
}

.nav-cta::after { display: none !important; }

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  z-index: 1001;
  padding: 8px;
  background: none;
  border: 0;
}

.hamburger:focus-visible {
  outline: 2px solid var(--gold-400);
  outline-offset: 4px;
  border-radius: 4px;
}

.hamburger span {
  width: 28px;
  height: 2.5px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition-base);
}

.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(6, 16, 31, 0.98);
  backdrop-filter: blur(20px);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-lg);
  opacity: 0;
  transition: opacity var(--transition-slow);
}

.mobile-nav.active {
  display: flex;
  opacity: 1;
}

.mobile-nav a {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--white);
  padding: var(--space-sm) var(--space-xl);
  transition: color var(--transition-fast);
}

.mobile-nav a:hover {
  color: var(--gold-400);
}

/* ── Hero Section ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background-color: var(--navy-900);
  background-image: radial-gradient(rgba(255,255,255,0.045) 1px, transparent 1px), var(--gradient-hero);
  background-size: 26px 26px, auto;
  overflow: hidden;
  padding-top: var(--header-height);
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(212,165,51,0.15) 0%, transparent 70%);
  border-radius: 50%;
  animation: pulse-glow 6s ease-in-out infinite;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(212,165,51,0.1) 0%, transparent 70%);
  border-radius: 50%;
  animation: pulse-glow 8s ease-in-out infinite reverse;
}

@keyframes pulse-glow {
  0%, 100% { transform: scale(1); opacity: 0.5; }
  50% { transform: scale(1.2); opacity: 1; }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-content {
  padding: var(--space-2xl) 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  padding: 8px 18px;
  background: rgba(212,165,51,0.14);
  border: 1px solid rgba(212,165,51,0.35);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold-400);
  margin-bottom: var(--space-lg);
  animation: fadeInUp 0.6s ease forwards;
}

.hero-badge svg {
  width: 16px;
  height: 16px;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 3.75rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.08;
  margin-bottom: var(--space-lg);
  animation: fadeInUp 0.6s ease 0.1s forwards;
  opacity: 0;
}

.hero h1 .highlight {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-text {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.8;
  margin-bottom: var(--space-xl);
  max-width: 520px;
  animation: fadeInUp 0.6s ease 0.2s forwards;
  opacity: 0;
}

.hero-btns {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
  animation: fadeInUp 0.6s ease 0.3s forwards;
  opacity: 0;
}

.hero-stats {
  display: flex;
  gap: var(--space-2xl);
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid rgba(255,255,255,0.1);
  animation: fadeInUp 0.6s ease 0.4s forwards;
  opacity: 0;
}

.hero-stat .number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold-400);
}

.hero-stat .label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-top: 2px;
}

/* Hero Form */
.hero-form-wrapper {
  animation: fadeInRight 0.8s ease 0.3s forwards;
  opacity: 0;
}

.hero-form {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl) var(--space-xl) calc(var(--space-lg) + 4px);
  box-shadow: 0 25px 60px -15px rgba(0,0,0,0.45), 0 0 0 1px rgba(255,255,255,0.04);
  overflow: hidden;
  scroll-margin-top: 100px;
}

.hero-form::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-500), var(--gold-400));
}

/* ─── Multi-step form ─── */
.multi-step-form .step-indicator {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 6px;
  margin-top: 4px;
}

.multi-step-form .step-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--gray-100);
  color: var(--gray-500);
  font-weight: 700;
  font-size: 0.82rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.35s ease;
  position: relative;
  border: 2px solid var(--gray-200);
}

.multi-step-form .step-dot .check {
  width: 14px;
  height: 14px;
  color: var(--white);
  position: absolute;
  opacity: 0;
  transform: scale(0.4);
  transition: all 0.25s ease;
}

.multi-step-form .step-dot .num {
  transition: opacity 0.25s ease;
}

.multi-step-form .step-dot.active {
  background: var(--gradient-gold);
  color: var(--white);
  border-color: var(--gold-400);
  box-shadow: 0 0 0 4px rgba(212,165,51,0.18);
  transform: scale(1.05);
}

.multi-step-form .step-dot.completed {
  background: var(--blue-500);
  color: var(--white);
  border-color: var(--blue-500);
}

.multi-step-form .step-dot.completed .num { opacity: 0; }
.multi-step-form .step-dot.completed .check { opacity: 1; transform: scale(1); }

.multi-step-form .step-line {
  flex: 1;
  height: 3px;
  background: var(--gray-200);
  border-radius: 2px;
  position: relative;
  overflow: hidden;
}

.multi-step-form .step-line::after {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--blue-500);
  transform: translateX(-100%);
  transition: transform 0.5s ease;
}

.multi-step-form .step-line.completed::after {
  transform: translateX(0);
}

.multi-step-form .step-count {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--gray-500);
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: var(--space-lg);
}

.multi-step-form .step-count span {
  color: var(--gold-text);
  font-weight: 800;
}

/* Individual steps */
.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: stepSlideIn 0.45s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes stepSlideIn {
  from { opacity: 0; transform: translateX(24px); }
  to   { opacity: 1; transform: translateX(0); }
}

.form-step.leaving {
  animation: stepSlideOut 0.25s ease forwards;
}

@keyframes stepSlideOut {
  to { opacity: 0; transform: translateX(-12px); }
}

.multi-step-form .step-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy-800);
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}

.multi-step-form .step-title svg {
  width: 22px;
  height: 22px;
  color: var(--gold-500);
  flex-shrink: 0;
}

.multi-step-form .step-subtitle {
  color: var(--gray-500);
  font-size: 0.88rem;
  margin-bottom: var(--space-lg);
}

/* Step navigation buttons */
.step-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: var(--space-md);
}

/* Undo the full-width .hero-form .btn rule (meant for a lone submit button):
   in a Back+Continue row it forced Back to 100% width and crushed Continue to
   clipped min-content. Extra .hero-form ancestor wins the specificity tie. */
.hero-form .step-nav .btn {
  width: auto;
  margin-top: 0;
}

.btn-step-back {
  flex: 0 0 auto;
  padding: 12px 18px !important;
  font-size: 0.9rem !important;
  color: var(--gray-600) !important;
  border-color: var(--gray-200) !important;
}

.btn-step-back:hover {
  color: var(--navy-800) !important;
  border-color: var(--gray-400) !important;
  background: var(--gray-50) !important;
}

.btn-step-next,
.btn-step-submit {
  flex: 1;
  box-shadow: 0 8px 20px -6px rgba(212,165,51,0.55);
}

.step-nav .btn-step-next:only-child {
  width: 100%;
}

/* Consent row */
.step-consent {
  display: flex;
  flex-wrap: wrap; /* lets the .form-error (flex-basis:100%) drop to its own line */
  align-items: flex-start;
  gap: 10px;
  padding: 14px 16px;
  background: var(--gray-50);
  border-radius: var(--radius-md);
  font-size: 0.82rem;
  color: var(--gray-600);
  line-height: 1.5;
  margin: var(--space-md) 0;
  border: 1px solid var(--gray-200);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.step-consent:hover {
  border-color: var(--blue-300);
  background: var(--white);
}

.step-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 1px;
  flex-shrink: 0;
  accent-color: var(--blue-500);
  cursor: pointer;
}

.step-consent a {
  color: var(--blue-500);
  font-weight: 600;
}

.label-optional {
  color: var(--gray-500);
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  font-size: 0.7rem;
  margin-left: 4px;
}

/* Success flash on valid field */
.hero-form input.valid-flash,
.hero-form select.valid-flash {
  border-color: var(--green-500);
  background: rgba(34,197,94,0.04);
}

.hero-form h3 {
  color: var(--navy-800);
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}

.hero-form .form-subtitle {
  color: var(--gray-500);
  font-size: 0.9rem;
  margin-bottom: var(--space-lg);
}

.hero-form .form-group {
  margin-bottom: var(--space-md);
}

.hero-form label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}

.hero-form input,
.hero-form select {
  width: 100%;
  padding: 12px 14px;
  background: var(--gray-50);
  border: 1.5px solid #8490a2;
  border-radius: var(--radius-md);
  color: var(--navy-800);
  font-size: 0.95rem;
  font-family: inherit;
  transition: all var(--transition-fast);
  appearance: none;
  -webkit-appearance: none;
}

.hero-form select {
  background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a1628' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'/%3e%3c/svg%3e");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 16px 16px;
  padding-right: 38px;
}

.hero-form input::placeholder {
  color: var(--gray-500);
}

.hero-form input:hover,
.hero-form select:hover {
  border-color: var(--gray-300);
  background-color: var(--white);
}

.hero-form input:focus,
.hero-form select:focus {
  outline: none;
  border-color: var(--blue-500);
  background-color: var(--white);
  box-shadow: 0 0 0 4px rgba(37,99,235,0.12);
}

.hero-form input:focus-visible,
.hero-form select:focus-visible {
  outline: 3px solid var(--blue-600);
  outline-offset: 2px;
  box-shadow: 0 0 0 5px rgba(255,255,255,0.9);
}

.hero-form select option {
  background: var(--white);
  color: var(--navy-800);
}

.hero-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

/* City / State / ZIP: three across on desktop instead of ZIP wrapping
   alone onto a half-empty second row (mobile still collapses to 1 column) */
.hero-form .form-row-3 {
  grid-template-columns: 2fr 1fr 1fr;
}

.hero-form .btn {
  width: 100%;
  margin-top: var(--space-sm);
  box-shadow: 0 8px 20px -6px rgba(212,165,51,0.55);
}

.hero-form .form-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-500);
  margin-top: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid var(--gray-100);
}

.hero-form .form-note svg {
  width: 14px;
  height: 14px;
  color: var(--green-500);
  flex-shrink: 0;
}

/* ── Trust Bar ── */
.trust-bar {
  background: var(--white);
  padding: var(--space-2xl) 0;
  border-bottom: 1px solid var(--gray-200);
  position: relative;
  z-index: 5;
}

.trust-items {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-xl);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  padding: var(--space-lg);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
}

.trust-item:hover {
  background: var(--gray-50);
  transform: translateY(-2px);
}

.trust-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, rgba(212,165,51,0.10), rgba(212,165,51,0.10));
  border: 1px solid var(--surface-border);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-500);
}

.trust-icon svg {
  width: 26px;
  height: 26px;
}

.trust-item h4 {
  font-size: 1rem;
  margin-bottom: 2px;
}

.trust-item p {
  font-size: 0.85rem;
  color: var(--gray-500);
}

/* ── How It Works ── */
.how-it-works {
  background: var(--gray-50);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 60px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, var(--blue-200), var(--gold-400), var(--green-500));
  z-index: 0;
}

.step-card {
  background: var(--white);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  text-align: center;
  position: relative;
  z-index: 1;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.step-number {
  width: 60px;
  height: 60px;
  margin: 0 auto var(--space-lg);
  background: linear-gradient(135deg, var(--blue-500), var(--blue-400));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--white);
  box-shadow: 0 4px 15px rgba(37,99,235,0.3);
}

.step-card:nth-child(2) .step-number {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  box-shadow: 0 4px 15px rgba(212,165,51,0.3);
  color: var(--navy-800);
}

.step-card:nth-child(3) .step-number {
  background: linear-gradient(135deg, var(--green-500), #34d399);
  box-shadow: 0 4px 15px rgba(34,197,94,0.3);
}

.step-card h3 {
  font-size: 1.2rem;
  margin-bottom: var(--space-sm);
}

.step-card p {
  font-size: 0.95rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* ── Loan Products ── */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-lg);
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  border: 1px solid var(--gray-200);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue-500), var(--gold-400));
  opacity: 0;
  transition: opacity var(--transition-base);
}

.product-card:hover {
  border-color: var(--blue-200);
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

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

.product-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--blue-100), rgba(212,165,51,0.1));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-lg);
  color: var(--blue-500);
}

.product-icon svg {
  width: 28px;
  height: 28px;
}

.product-card h3 {
  font-size: 1.2rem;
  margin-bottom: var(--space-sm);
}

.product-card p {
  font-size: 0.95rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: var(--space-md);
}

.product-card .learn-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--blue-500);
  transition: gap var(--transition-fast);
}

.product-card:hover .learn-more {
  gap: 12px;
  color: var(--blue-400);
}

/* ── Why Choose Us ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
}

.feature-card {
  padding: var(--space-xl);
  border-radius: var(--radius-xl);
  background: var(--white);
  border: 1px solid var(--surface-border);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
}

.feature-card:hover {
  border-color: rgba(212,165,51,0.25);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.feature-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--gold-200), rgba(212,165,51,0.15));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  color: var(--gold-500);
}

.feature-icon svg {
  width: 24px;
  height: 24px;
}

.feature-card h4 {
  margin-bottom: var(--space-sm);
}

.feature-card p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.7;
}

/* ── Testimonials ── */
.testimonials {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  position: relative;
  overflow: hidden;
}

.testimonials::before {
  content: '';
  position: absolute;
  top: 0;
  right: -200px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(212,165,51,0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.testimonials .section-label {
  color: var(--gold-400);
  background: rgba(212,165,51,0.12);
  border: 1px solid rgba(212,165,51,0.25);
}
.testimonials .section-title { color: var(--white); }
.testimonials .section-subtitle { color: rgba(255,255,255,0.5); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: var(--space-lg);
}

.testimonial-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  position: relative;
  overflow: hidden;
  transition: all var(--transition-base);
}

.testimonial-card::before {
  content: '\201C';
  position: absolute;
  top: -14px;
  right: 14px;
  font-family: var(--font-heading);
  font-size: 7rem;
  line-height: 1;
  color: rgba(212,165,51,0.10);
  pointer-events: none;
}

.testimonial-card:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-4px);
}

.testimonial-stars {
  display: flex;
  gap: 4px;
  margin-bottom: var(--space-md);
  color: var(--gold-400);
}

.testimonial-text {
  font-size: 1rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(212,165,51,0.3);
}

.avatar-initials {
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 1.05rem;
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.avatar-gold { background: linear-gradient(135deg, var(--gold-500), var(--gold-400)); }
.avatar-navy { background: linear-gradient(135deg, var(--navy-600), var(--blue-500)); }
.avatar-blue { background: linear-gradient(135deg, var(--blue-500), var(--blue-400)); }

.testimonial-author h4 {
  font-size: 0.95rem;
  color: var(--white);
}

.testimonial-author p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}

/* ── FAQ Section ── */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-md);
  overflow: hidden;
  transition: all var(--transition-base);
}

.faq-item:hover {
  border-color: var(--blue-200);
}

.faq-item.active {
  border-color: var(--blue-400);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-lg) var(--space-xl);
  background: transparent;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gray-800);
  transition: color var(--transition-fast);
}

.faq-question:hover {
  color: var(--blue-500);
}

.faq-toggle {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-base);
  color: var(--gray-600);
}

.faq-item.active .faq-toggle {
  background: var(--blue-500);
  color: var(--white);
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
}

.faq-answer-inner {
  padding: 0 var(--space-xl) var(--space-lg);
  font-size: 0.95rem;
  color: var(--gray-600);
  line-height: 1.8;
}

/* ── Compliance / Rates Disclosure ── */
.compliance-section {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-200);
}

.compliance-box {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  max-width: 900px;
  margin: 0 auto;
}

.compliance-box h3 {
  font-size: 1.2rem;
  margin-bottom: var(--space-md);
  color: var(--navy-800);
}

.compliance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
  margin-bottom: var(--space-lg);
}

.compliance-item {
  text-align: center;
  padding: var(--space-lg);
  background: var(--gray-50);
  border-radius: var(--radius-lg);
}

.compliance-item .value {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--blue-500);
}

.compliance-item .desc {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-top: 4px;
}

.compliance-example {
  background: var(--blue-100);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  font-size: 0.9rem;
  color: var(--gray-700);
  line-height: 1.7;
}

.compliance-example strong {
  color: var(--navy-800);
}

/* ── CTA Banner ── */
.cta-banner {
  background-color: var(--navy-900);
  background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), var(--gradient-hero);
  background-size: 26px 26px, auto;
  padding: var(--space-3xl) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(212,165,51,0.2), transparent 70%);
  border-radius: 50%;
}

.cta-banner h2 {
  color: var(--white);
  margin-bottom: var(--space-md);
}

.cta-banner p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  margin-bottom: var(--space-xl);
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* ── Footer ── */
.footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.6);
}

.footer-main {
  padding: var(--space-3xl) 0 var(--space-2xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-2xl);
}

.footer-brand .logo {
  margin-bottom: var(--space-md);
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: var(--space-lg);
}

.footer-social {
  display: flex;
  gap: var(--space-md);
}

.footer-social a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.5);
  transition: all var(--transition-fast);
}

.footer-social a:hover {
  background: var(--gold-500);
  color: var(--white);
}

.footer-col h4 {
  font-size: 1rem;
  color: var(--white);
  margin-bottom: var(--space-lg);
  font-family: var(--font-heading);
}

.footer-col ul li {
  margin-bottom: var(--space-sm);
}

.footer-col ul a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition-fast);
}

.footer-col ul a:hover {
  color: var(--gold-400);
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-bottom: var(--space-md) !important;
  font-size: 0.9rem;
}

.footer-contact svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--gold-400);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: var(--space-lg) 0;
}

.footer-bottom .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-md);
}

.footer-bottom p {
  font-size: 0.85rem;
}

.footer-legal {
  display: flex;
  gap: var(--space-lg);
}

.footer-legal a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition-fast);
}

.footer-legal a:hover {
  color: var(--gold-400);
}

.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: var(--space-xl) 0;
  background: rgba(0,0,0,0.25);
}

.footer-disclaimer p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.75;
}

/* ── Sticky CTA Button ── */
.sticky-cta {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 900;
  opacity: 0;
  transform: translateY(20px);
  transition: all var(--transition-slow);
  pointer-events: none;
}

.sticky-cta.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}

.sticky-cta-btn {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: 16px 28px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-800);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  border-radius: var(--radius-full);
  box-shadow: 0 8px 30px rgba(212,165,51,0.4);
  transition: all var(--transition-base);
  animation: cta-pulse 2s ease infinite;
}

.sticky-cta-btn:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 12px 40px rgba(212,165,51,0.5);
}

.sticky-cta-btn svg {
  width: 20px;
  height: 20px;
}

@keyframes cta-pulse {
  0%, 100% { box-shadow: 0 8px 30px rgba(212,165,51,0.4); }
  50% { box-shadow: 0 8px 40px rgba(212,165,51,0.6); }
}

/* ── Mobile Sticky CTA ── */
.mobile-sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 900;
  padding: var(--space-md);
  background: rgba(10, 22, 40, 0.95);
  backdrop-filter: blur(10px);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.mobile-sticky-cta .btn {
  width: 100%;
  padding: 16px;
  font-size: 1.05rem;
}

/* ── Page Hero (Inner Pages) ── */
.page-hero {
  background-color: var(--navy-900);
  background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), var(--gradient-hero);
  background-size: 26px 26px, auto;
  padding: calc(var(--header-height) + var(--space-3xl)) 0 var(--space-3xl);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212,165,51,0.12) 0%, transparent 70%);
  border-radius: 50%;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: var(--space-md);
}

.page-hero p {
  color: rgba(255,255,255,0.6);
  font-size: 1.15rem;
  max-width: 600px;
  margin: 0 auto;
}

.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
  font-size: 0.9rem;
}

.breadcrumb a {
  color: rgba(255,255,255,0.5);
}

.breadcrumb a:hover {
  color: var(--gold-400);
}

.breadcrumb span {
  color: rgba(255,255,255,0.3);
}

.breadcrumb .current {
  color: var(--gold-400);
}

/* ── Apply Form Page ── */
.apply-section {
  padding: var(--space-3xl) 0;
}

.apply-form-container {
  max-width: 780px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.apply-form-header {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  padding: var(--space-xl) var(--space-2xl);
  text-align: center;
}

.apply-form-header h2 {
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: var(--space-xs);
}

.apply-form-header p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
}

.apply-form-body {
  padding: var(--space-2xl);
}

.form-section-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy-800);
  padding-bottom: var(--space-sm);
  border-bottom: 2px solid var(--blue-100);
  margin-bottom: var(--space-lg);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.form-section-title svg {
  width: 22px;
  height: 22px;
  color: var(--blue-500);
}

.form-group {
  margin-bottom: var(--space-lg);
}

.form-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group label .required {
  color: var(--red-500);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  background: var(--gray-50);
  border: 1.5px solid #8490a2;
  border-radius: var(--radius-md);
  font-size: 0.95rem;
  color: var(--gray-800);
  transition: all var(--transition-fast);
}

.form-group textarea {
  min-height: 100px;
  resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--blue-400);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
  background: var(--white);
}

.form-group input.error,
.form-group select.error {
  border-color: var(--red-500);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}

.form-error {
  font-size: 0.8rem;
  color: var(--red-500);
  margin-top: 4px;
  display: none;
}

.step-consent .form-error,
.form-consent .form-error {
  margin-top: 6px;
  flex-basis: 100%;
}

/* Honeypot field — visually removed, present for bots only */
.hp-wrap {
  position: absolute !important;
  left: -9999px !important;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* Submission failure banner (?status=error) */
.form-alert {
  position: fixed;
  top: calc(var(--header-height) + 12px);
  left: 50%;
  transform: translateX(-50%);
  z-index: 1200;
  display: flex;
  align-items: center;
  gap: var(--space-md);
  max-width: min(560px, calc(100vw - 32px));
  padding: 14px 18px;
  background: var(--red-100);
  border: 1px solid var(--red-500);
  border-radius: var(--radius-md);
  color: #7f1d1d;
  font-size: 0.9rem;
  line-height: 1.5;
  box-shadow: var(--shadow-lg);
}

.form-alert a {
  color: inherit;
  font-weight: 600;
}

.form-alert-close {
  background: none;
  border: 0;
  color: inherit;
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  padding: 2px 6px;
  border-radius: 4px;
  flex-shrink: 0;
}

.form-alert-close:hover {
  background: rgba(239, 68, 68, 0.15);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.form-consent {
  display: flex;
  flex-wrap: wrap; /* lets the .form-error (flex-basis:100%) drop to its own line */
  align-items: flex-start;
  gap: var(--space-sm);
  margin: var(--space-lg) 0;
  font-size: 0.85rem;
  color: var(--gray-600);
  line-height: 1.5;
}

.form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--blue-500);
}

/* ── About Page ── */
.about-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}

.about-image {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.about-text h2 {
  margin-bottom: var(--space-md);
}

.about-text p {
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: var(--space-md);
}

.about-values {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-lg);
  margin-top: var(--space-xl);
}

.about-value-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
}

.about-value-icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--blue-100), rgba(212,165,51,0.15));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-500);
}

/* ── Rates Table ── */
.rates-table-wrapper {
  overflow-x: auto;
  margin: var(--space-xl) 0;
}

.rates-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 600px;
}

.rates-table th {
  background: var(--navy-800);
  color: var(--white);
  padding: var(--space-md) var(--space-lg);
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
}

.rates-table td {
  padding: var(--space-md) var(--space-lg);
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.95rem;
  color: var(--gray-700);
}

.rates-table tr:hover td {
  background: var(--blue-100);
}

/* ── Contact Form ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
}

.contact-info-card {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  color: var(--white);
}

.contact-info-card h3 {
  color: var(--white);
  margin-bottom: var(--space-lg);
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
}

.contact-info-item svg {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  color: var(--gold-400);
  margin-top: 2px;
}

.contact-info-item h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 4px;
}

.contact-info-item p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  line-height: 1.5;
}

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  box-shadow: var(--shadow-lg);
}

/* ── Thank You Page ── */
.thankyou-section {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-3xl) 0;
}

.thankyou-card {
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
  padding: var(--space-3xl);
}

.thankyou-icon {
  width: 100px;
  height: 100px;
  margin: 0 auto var(--space-xl);
  background: linear-gradient(135deg, var(--green-100), rgba(34,197,94,0.15));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: checkmark-pop 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes checkmark-pop {
  0% { transform: scale(0); }
  50% { transform: scale(1.2); }
  100% { transform: scale(1); }
}

.thankyou-icon svg {
  width: 50px;
  height: 50px;
  color: var(--green-500);
}

.thankyou-card h1 {
  margin-bottom: var(--space-md);
}

.thankyou-card p {
  color: var(--gray-500);
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: var(--space-lg);
}

.thankyou-steps {
  background: var(--gray-50);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: left;
  margin-bottom: var(--space-xl);
}

.thankyou-steps h3 {
  font-size: 1.1rem;
  margin-bottom: var(--space-md);
}

.thankyou-steps li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
  font-size: 0.95rem;
  color: var(--gray-600);
}

.thankyou-steps li svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--green-500);
  margin-top: 2px;
}

/* ── Privacy / Terms Pages ── */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: var(--space-3xl) var(--space-lg);
}

.legal-content h2 {
  font-size: 1.5rem;
  margin: var(--space-2xl) 0 var(--space-md);
  color: var(--navy-800);
}

.legal-content h3 {
  font-size: 1.2rem;
  margin: var(--space-xl) 0 var(--space-sm);
}

.legal-content p {
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: var(--space-md);
}

.legal-content ul {
  list-style: disc;
  padding-left: var(--space-xl);
  margin-bottom: var(--space-md);
}

.legal-content ul li {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: var(--space-sm);
}

/* ── Animations ── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

  .hero-content {
    text-align: center;
  }

  .hero-text {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-btns {
    justify-content: center;
  }

  .hero-stats {
    justify-content: center;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-xl);
  }

  .about-content {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 768px) {
  :root {
    --space-4xl: 64px;
    --space-3xl: 48px;
  }

  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .trust-items {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-md);
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .steps-grid::before {
    display: none;
  }

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

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

  .hero-form .form-row {
    grid-template-columns: 1fr;
  }

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

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

  .footer-bottom .container {
    flex-direction: column;
    text-align: center;
  }

  .sticky-cta {
    display: none !important;
  }

  .mobile-sticky-cta {
    display: block;
  }

  /* Add padding to body to account for mobile sticky CTA */
  body {
    padding-bottom: 80px;
  }

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

  .about-values {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .trust-items {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: 1.8rem;
  }

  .hero-stats {
    flex-direction: column;
    gap: var(--space-md);
  }

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

/* Loan comparison table */
.loan-comparison {
  overflow-x: auto;
  margin: var(--space-xl) 0;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 700px;
}

.comparison-table th {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  color: var(--white);
  padding: var(--space-md) var(--space-lg);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
  text-align: left;
}

.comparison-table td {
  padding: var(--space-md) var(--space-lg);
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.9rem;
}

.comparison-table tr:nth-child(even) td {
  background: var(--gray-50);
}

.comparison-table tr:hover td {
  background: var(--blue-100);
}

/* Loan detail cards on loans page */
.loan-detail-section {
  padding: var(--space-3xl) 0;
}

.loan-detail-section:nth-child(even) {
  background: var(--gray-50);
}

.loan-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}

.loan-detail-grid.reversed {
  direction: rtl;
}

.loan-detail-grid.reversed > * {
  direction: ltr;
}

.loan-detail-content h2 {
  margin-bottom: var(--space-md);
}

.loan-detail-content p {
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: var(--space-md);
}

.loan-features-list {
  margin: var(--space-lg) 0;
}

.loan-features-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
  font-size: 0.95rem;
  color: var(--gray-700);
}

.loan-features-list li svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--green-500);
  margin-top: 2px;
}

.loan-detail-visual {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  text-align: center;
  color: var(--white);
}

.loan-detail-visual .amount-range {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: var(--space-sm);
}

.loan-detail-visual .amount-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: var(--space-xl);
}

.loan-detail-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.loan-detail-stat {
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  padding: var(--space-md);
}

.loan-detail-stat .stat-value {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--white);
}

.loan-detail-stat .stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 2px;
}

@media (max-width: 768px) {
  .loan-detail-grid {
    grid-template-columns: 1fr;
  }

  .loan-detail-grid.reversed {
    direction: ltr;
  }
}

/* ═══════════════════════════════════════════
   BLOG
   ═══════════════════════════════════════════ */

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
  margin-top: var(--space-2xl);
}

.blog-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-base);
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-200);
}

.blog-card-image {
  height: 200px;
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}

.blog-card-image svg {
  width: 64px;
  height: 64px;
  color: rgba(255,255,255,0.35);
}

.blog-card-image.variant-2 { background: linear-gradient(135deg, var(--blue-500), var(--blue-400)); }
.blog-card-image.variant-3 { background: linear-gradient(135deg, var(--navy-800), var(--gold-500)); }
.blog-card-image.variant-4 { background: linear-gradient(135deg, var(--blue-600), var(--navy-700)); }
.blog-card-image.variant-5 { background: linear-gradient(135deg, var(--navy-700), var(--gold-400)); }

.blog-card-body {
  padding: var(--space-lg) var(--space-xl) var(--space-xl);
  flex: 1;
  display: flex;
  flex-direction: column;
}

.blog-category {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gold-text);
  margin-bottom: var(--space-sm);
}

.blog-card h3 {
  font-size: 1.2rem;
  line-height: 1.35;
  color: var(--navy-800);
  margin-bottom: var(--space-sm);
}

.blog-card-excerpt {
  color: var(--gray-600);
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: var(--space-md);
  flex: 1;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  font-size: 0.8rem;
  color: var(--gray-500);
  padding-top: var(--space-md);
  border-top: 1px solid var(--gray-100);
}

.blog-meta svg {
  width: 14px;
  height: 14px;
  margin-right: 4px;
  vertical-align: -2px;
}

/* Featured post */
.blog-featured {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: var(--space-2xl);
}

.blog-featured-image {
  min-height: 340px;
  background: linear-gradient(135deg, var(--navy-800), var(--blue-500), var(--gold-500));
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.blog-featured-image svg {
  width: 80px;
  height: 80px;
  color: rgba(255,255,255,0.4);
}

.blog-featured-body {
  padding: var(--space-2xl);
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.blog-featured-body .blog-category {
  color: var(--blue-500);
}

.blog-featured-body h2 {
  font-size: 1.7rem;
  line-height: 1.25;
  color: var(--navy-800);
  margin: var(--space-sm) 0 var(--space-md);
}

.blog-featured-body p {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
}

/* Blog article (single post) */
.blog-article {
  max-width: 780px;
  margin: 0 auto;
  padding: var(--space-3xl) var(--space-lg);
}

.blog-article-header {
  text-align: center;
  margin-bottom: var(--space-2xl);
}

.blog-article-header .blog-meta {
  justify-content: center;
  border-top: none;
  padding-top: 0;
  margin-bottom: var(--space-lg);
}

.blog-article-body h2 {
  font-size: 1.65rem;
  color: var(--navy-800);
  margin: var(--space-2xl) 0 var(--space-md);
  line-height: 1.3;
}

.blog-article-body h3 {
  font-size: 1.2rem;
  color: var(--navy-800);
  margin: var(--space-xl) 0 var(--space-sm);
}

.blog-article-body p {
  color: var(--gray-700);
  line-height: 1.85;
  font-size: 1.02rem;
  margin-bottom: var(--space-md);
}

.blog-article-body ul,
.blog-article-body ol {
  padding-left: var(--space-xl);
  margin-bottom: var(--space-md);
}

.blog-article-body ul li,
.blog-article-body ol li {
  color: var(--gray-700);
  line-height: 1.75;
  margin-bottom: var(--space-sm);
  font-size: 1.02rem;
}

.blog-article-body ul { list-style: disc; }
.blog-article-body ol { list-style: decimal; }

.blog-article-body strong { color: var(--navy-800); font-weight: 700; }

.blog-article-body blockquote {
  border-left: 4px solid var(--gold-400);
  background: var(--gray-50);
  padding: var(--space-lg) var(--space-xl);
  margin: var(--space-xl) 0;
  font-style: italic;
  color: var(--navy-800);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.blog-article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--space-lg) 0;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.blog-article-body table th {
  background: var(--navy-800);
  color: var(--white);
  padding: var(--space-sm) var(--space-md);
  text-align: left;
  font-size: 0.9rem;
}

.blog-article-body table td {
  padding: var(--space-sm) var(--space-md);
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.92rem;
  color: var(--gray-700);
}

.blog-article-body table tr:nth-child(even) td {
  background: var(--gray-50);
}

.blog-table-scroll {
  width: 100%;
  overflow-x: auto;
  margin: var(--space-lg) 0;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  overscroll-behavior-inline: contain;
  -webkit-overflow-scrolling: touch;
}

.blog-table-scroll:focus-visible {
  outline: 3px solid rgba(59,130,246,0.45);
  outline-offset: 3px;
}

.blog-table-scroll table {
  min-width: 560px;
  margin: 0;
  border-radius: 0;
  box-shadow: none;
}

/* Inline CTA box inside posts */
.blog-cta-inline {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  margin: var(--space-2xl) 0;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.blog-cta-inline::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(212,165,51,0.3), transparent 70%);
  border-radius: 50%;
}

.blog-cta-inline h3 {
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: var(--space-sm);
  position: relative;
}

.blog-cta-inline p {
  color: rgba(255,255,255,0.75) !important;
  margin-bottom: var(--space-lg);
  position: relative;
  line-height: 1.6 !important;
  font-size: 0.95rem !important;
}

.blog-cta-inline .btn {
  position: relative;
}

/* Related posts */
.blog-related {
  background: var(--gray-50);
  padding: var(--space-3xl) 0;
  border-top: 1px solid var(--gray-200);
}

.blog-related h3 {
  text-align: center;
  margin-bottom: var(--space-xl);
  color: var(--navy-800);
}

@media (max-width: 1024px) {
  .blog-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .blog-grid {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .blog-featured {
    grid-template-columns: 1fr;
  }

  .blog-featured-body {
    padding: var(--space-xl);
  }

  .blog-featured-body h2 {
    font-size: 1.35rem;
  }

  .blog-article-body h2 {
    font-size: 1.35rem;
  }
}

/* ── Reduced Motion ── */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  html {
    scroll-behavior: auto;
  }

  .animate-on-scroll {
    opacity: 1 !important;
    transform: none !important;
  }
}

/* ── Loan Payment Calculator ── */
.loan-calculator {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: var(--space-xl);
  max-width: 960px;
  margin: var(--space-xl) auto 0;
  background: var(--white);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  padding: var(--space-xl);
}

.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: var(--space-xl);
  justify-content: center;
}

.calc-field-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: var(--space-sm);
}

.calc-field-head label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--gray-700);
}

.calc-value {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--blue-600);
}

.calc-field input[type="range"] {
  width: 100%;
  accent-color: var(--blue-500);
  cursor: pointer;
}

.calc-field input[type="range"]:focus-visible {
  outline: 3px solid var(--blue-600);
  outline-offset: 4px;
  border-radius: 4px;
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: #66758a;
  margin-top: 4px;
}

.calc-results {
  background: var(--gradient-hero);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-sm);
}

.calc-result-label {
  font-size: 0.85rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  font-weight: 600;
}

.calc-result-value {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 2.9rem);
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1.1;
  margin-bottom: var(--space-sm);
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  width: 100%;
  max-width: 260px;
  font-size: 0.92rem;
  color: rgba(255,255,255,0.7);
}

.calc-result-row strong {
  color: var(--white);
  font-weight: 600;
}

.calc-results .btn {
  margin-top: var(--space-md);
}

.calc-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.5;
  margin-top: var(--space-sm);
}

@media (max-width: 768px) {
  .loan-calculator {
    grid-template-columns: 1fr;
    padding: var(--space-lg);
  }
}

/* ======================================================
   CASHYLEND — 2026 VISUAL REFRESH
   A calmer, more editorial fintech layer shared by every page.
   ====================================================== */

:root {
  --navy-900: #06101f;
  --navy-800: #0a1a30;
  --navy-700: #102846;
  --navy-600: #183657;
  --brand-sky: #69b7ff;
  --brand-mint: #65d6b2;
  --brand-cream: #fff9ea;
  --surface-soft: #f5f8fc;
  --surface-blue: #eef6ff;
  --container-max: 1240px;
  --header-height: 84px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --shadow-md: 0 2px 4px rgba(6,16,31,0.04), 0 16px 36px -14px rgba(6,16,31,0.16);
  --shadow-lg: 0 8px 18px rgba(6,16,31,0.05), 0 30px 64px -22px rgba(6,16,31,0.22);
  --shadow-xl: 0 18px 44px -18px rgba(6,16,31,0.35), 0 2px 8px rgba(6,16,31,0.08);
  --gradient-hero: linear-gradient(135deg, #06101f 0%, #0a1a30 46%, #123559 100%);
}

body {
  color: #26364b;
  background: #fbfdff;
}

::selection {
  color: var(--navy-900);
  background: var(--gold-300);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--blue-600);
  outline-offset: 3px;
  box-shadow: 0 0 0 6px rgba(255,255,255,0.86);
}

.bg-gray {
  background: linear-gradient(180deg, #f6f9fd 0%, #fbfdff 100%);
}

.section-label {
  padding: 7px 14px;
  border: 1px solid rgba(37,99,235,0.12);
  box-shadow: 0 6px 18px -12px rgba(37,99,235,0.35);
  letter-spacing: 0.12em;
}

.section-title {
  letter-spacing: -0.035em;
  text-wrap: balance;
}

.section-subtitle {
  color: #66758a;
  text-wrap: pretty;
}

.btn {
  min-height: 50px;
  letter-spacing: -0.01em;
}

.btn-primary {
  color: var(--navy-800);
  background: linear-gradient(135deg, #f1c95f 0%, #dfaa2f 100%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.55), 0 12px 30px -14px rgba(212,165,51,0.9);
}

.btn-primary:hover {
  color: var(--navy-800);
  background: linear-gradient(135deg, #f3d474 0%, #e2b137 100%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.65), 0 18px 34px -14px rgba(212,165,51,0.95);
}

/* Brand lockup: the name is one word, with a separate symbol-to-name gap. */
.logo {
  gap: 11px;
  font-size: 1.58rem;
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1;
  white-space: nowrap;
}

.logo span {
  font-weight: 700;
  color: var(--gold-400);
}

.logo .logo-wordmark {
  display: inline-block;
  color: inherit;
  font-weight: 800;
}

.logo-icon {
  width: 44px;
  height: 44px;
  border-radius: 0;
  filter: drop-shadow(0 2px 4px rgba(6,16,31,0.12));
}

.logo:hover .logo-icon {
  transform: translateY(-1px);
  filter: drop-shadow(0 3px 6px rgba(6,16,31,0.18));
}

/* Header */
.header {
  background: linear-gradient(180deg, rgba(6,16,31,0.88), rgba(6,16,31,0));
}

.header.scrolled {
  height: 72px;
  background: rgba(6,16,31,0.86);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  box-shadow: 0 12px 40px -24px rgba(0,0,0,0.8);
  backdrop-filter: blur(22px) saturate(145%);
  -webkit-backdrop-filter: blur(22px) saturate(145%);
}

.nav-links {
  gap: clamp(18px, 2.1vw, 30px);
}

.nav-links a {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.76);
}

.nav-cta {
  padding: 11px 25px !important;
  color: var(--navy-800) !important;
  background: linear-gradient(135deg, #f1c95f 0%, #dfaa2f 100%) !important;
  box-shadow: 0 12px 28px -16px rgba(226,177,55,0.95);
}

/* Hero */
.hero {
  min-height: 780px;
  padding: calc(var(--header-height) + 54px) 0 94px;
  background-color: var(--navy-900);
  background-image:
    radial-gradient(circle at 13% 18%, rgba(105,183,255,0.18), transparent 29%),
    radial-gradient(circle at 86% 22%, rgba(101,214,178,0.10), transparent 24%),
    radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    var(--gradient-hero);
  background-size: auto, auto, 28px 28px, auto;
}

.hero::before {
  top: -280px;
  right: -240px;
  width: 760px;
  height: 760px;
  background: radial-gradient(circle, rgba(69,139,224,0.18) 0%, transparent 68%);
}

.hero::after {
  bottom: -350px;
  left: -210px;
  width: 680px;
  height: 680px;
  background: radial-gradient(circle, rgba(226,177,55,0.13) 0%, transparent 68%);
}

.hero-grid {
  grid-template-columns: minmax(0, 1.05fr) minmax(500px, 0.95fr);
  gap: clamp(54px, 6vw, 86px);
}

.hero-content {
  padding: 0;
}

.hero-badge {
  padding: 9px 17px;
  border-color: rgba(240,204,107,0.32);
  background: rgba(240,204,107,0.10);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.08);
}

.hero h1 {
  max-width: 670px;
  font-size: clamp(3rem, 5vw, 4.3rem);
  line-height: 1.03;
  letter-spacing: -0.05em;
  text-wrap: balance;
}

.hero-text {
  max-width: 610px;
  color: rgba(235,242,250,0.72);
  font-size: 1.12rem;
  line-height: 1.78;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 34px;
  padding: 0;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 18px;
  background: rgba(255,255,255,0.045);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.04);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.hero-stat {
  padding: 18px 16px;
}

.hero-stat + .hero-stat {
  border-left: 1px solid rgba(255,255,255,0.09);
}

.hero-stat .number {
  font-size: 1.7rem;
  line-height: 1.1;
}

.hero-stat .label {
  color: rgba(235,242,250,0.55);
}

.hero-form-wrapper {
  position: relative;
  isolation: isolate;
}

.hero-form-wrapper::before {
  content: '';
  position: absolute;
  inset: -14px;
  z-index: -1;
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 38px;
  background: linear-gradient(145deg, rgba(255,255,255,0.08), rgba(105,183,255,0.03));
  box-shadow: 0 40px 100px -34px rgba(0,0,0,0.72);
}

.hero-form {
  z-index: 1;
  padding: 28px 30px 26px;
  border: 1px solid rgba(255,255,255,0.72);
  border-radius: 28px;
  box-shadow: 0 30px 80px -28px rgba(0,0,0,0.65), 0 1px 1px rgba(6,16,31,0.06);
}

.hero-form::before {
  height: 4px;
  background: linear-gradient(90deg, #2563eb 0%, #f0cc6b 50%, #65d6b2 100%);
}

.application-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin: 0 0 18px;
  padding-bottom: 15px;
  border-bottom: 1px solid var(--gray-200);
  color: var(--gray-500);
  font-size: 0.78rem;
  font-weight: 600;
}

.application-meta-secure {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: #177657;
}

.application-meta svg {
  width: 17px;
  height: 17px;
}

.hero-form input,
.hero-form select {
  min-height: 52px;
  border-color: #8490a2;
  background-color: #f8fafc;
}

.hero-form input:hover,
.hero-form select:hover {
  background-color: #fff;
}

/* Floating trust panel */
.trust-bar {
  padding: 0 0 52px;
  border-bottom: 0;
  background: linear-gradient(180deg, #f7faff 0%, #ffffff 100%);
}

.trust-items {
  position: relative;
  z-index: 6;
  margin-top: -34px;
  gap: 0;
  padding: 12px;
  overflow: hidden;
  border: 1px solid rgba(15,31,56,0.08);
  border-radius: 26px;
  background: rgba(255,255,255,0.96);
  box-shadow: 0 28px 70px -32px rgba(6,16,31,0.38);
}

.trust-item {
  min-width: 0;
  padding: 19px 20px;
  border-radius: 16px;
}

.trust-item + .trust-item {
  border-left: 1px solid var(--gray-200);
}

.trust-icon {
  width: 48px;
  height: 48px;
  border-color: rgba(37,99,235,0.10);
  background: linear-gradient(145deg, #eef6ff, #fff9eb);
  box-shadow: inset 0 1px 0 #fff;
}

/* Content sections */
.how-it-works {
  position: relative;
  background:
    radial-gradient(circle at 8% 18%, rgba(105,183,255,0.10), transparent 22%),
    linear-gradient(180deg, #f5f8fc 0%, #fbfdff 100%);
}

.steps-grid::before {
  height: 3px;
  background: linear-gradient(90deg, #69b7ff, #e8bd4d, #65d6b2);
  opacity: 0.72;
}

.step-card {
  border-color: rgba(15,31,56,0.08);
  box-shadow: 0 16px 38px -28px rgba(6,16,31,0.42);
}

.step-card::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  border-radius: inherit;
  background: linear-gradient(145deg, rgba(105,183,255,0.05), transparent 40%);
}

.step-card:hover {
  border-color: rgba(37,99,235,0.18);
  transform: translateY(-7px);
}

.step-number {
  box-shadow: 0 10px 26px -12px rgba(37,99,235,0.8), 0 0 0 8px #f4f8fd;
}

#products {
  background: #fff;
}

.products-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.product-card {
  display: flex;
  min-height: 310px;
  flex-direction: column;
  padding: 34px;
  border-color: rgba(15,31,56,0.09);
  background: linear-gradient(145deg, var(--white) 0%, #fbfdff 100%);
  box-shadow: 0 16px 42px -32px rgba(6,16,31,0.5);
}

.product-card::before {
  height: 5px;
  opacity: 1;
}

.product-card:nth-child(2)::before { background: linear-gradient(90deg, #1d5fb8, #f0cc6b); }
.product-card:nth-child(3)::before { background: linear-gradient(90deg, var(--gold-500), var(--gold-300)); }
.product-card:nth-child(4)::before { background: linear-gradient(90deg, #d4a533, #f0cc6b); }

.product-card:nth-child(2) .product-icon { color: #1d5fb8; background: #eef6ff; }
.product-card:nth-child(3) .product-icon { color: #168367; background: #eafaf5; }
.product-card:nth-child(4) .product-icon { color: #d4a533; background: #eef6ff; }

.product-card .learn-more {
  margin-top: auto;
}

.features-grid {
  gap: 22px;
}

.feature-card {
  position: relative;
  overflow: hidden;
  border-color: rgba(15,31,56,0.08);
  box-shadow: 0 14px 36px -30px rgba(6,16,31,0.55);
}

.feature-card::after {
  content: '';
  position: absolute;
  right: -42px;
  bottom: -52px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(105,183,255,0.09), transparent 70%);
  pointer-events: none;
}

.feature-card:hover {
  border-color: rgba(37,99,235,0.18);
}

.testimonials {
  background:
    radial-gradient(circle at 14% 24%, rgba(105,183,255,0.12), transparent 26%),
    radial-gradient(circle at 88% 76%, rgba(226,177,55,0.10), transparent 24%),
    linear-gradient(135deg, var(--navy-900), var(--navy-800));
}

.testimonials::before {
  width: 640px;
  height: 640px;
  background: radial-gradient(circle, rgba(105,183,255,0.08), transparent 68%);
}

.testimonials .section-subtitle {
  color: rgba(235,242,250,0.66);
}

.testimonial-card {
  border-color: rgba(255,255,255,0.12);
  background: linear-gradient(145deg, rgba(255,255,255,0.075), rgba(255,255,255,0.035));
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.05), 0 24px 54px -34px rgba(0,0,0,0.7);
}

.testimonial-text {
  color: rgba(244,248,252,0.83);
}

.faq-item {
  border-color: rgba(15,31,56,0.10);
  box-shadow: 0 10px 28px -26px rgba(6,16,31,0.55);
}

.faq-item.active {
  border-color: rgba(212,165,51,0.34);
  box-shadow: 0 18px 40px -28px rgba(212,165,51,0.4);
}

.compliance-section {
  border-top-color: rgba(15,31,56,0.08);
  background: #fff;
}

.compliance-box {
  border-color: rgba(15,31,56,0.09);
  box-shadow: 0 22px 54px -38px rgba(6,16,31,0.45);
}

.compliance-item {
  border: 1px solid rgba(15,31,56,0.06);
  background: linear-gradient(145deg, #f4f8fd, #fff);
}

/* Inset CTA panel */
.cta-banner {
  padding: 38px 24px 72px;
  background: #fff;
}

.cta-banner::before {
  display: none;
}

.cta-banner .container {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  max-width: 1240px;
  padding: 66px 36px;
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 34px;
  background:
    radial-gradient(circle at 12% 20%, rgba(105,183,255,0.18), transparent 28%),
    radial-gradient(circle at 88% 70%, rgba(226,177,55,0.19), transparent 26%),
    var(--gradient-hero);
  box-shadow: 0 30px 72px -36px rgba(6,16,31,0.58);
}

.cta-banner .container::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  opacity: 0.35;
  background-image: radial-gradient(rgba(255,255,255,0.14) 1px, transparent 1px);
  background-size: 28px 28px;
}

.cta-banner h2,
.cta-banner p,
.cta-banner .btn {
  position: relative;
  z-index: 1;
}

.footer {
  background: linear-gradient(180deg, var(--navy-900), #040b14);
}

.footer-main {
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-brand p {
  max-width: 420px;
}

.footer-social a {
  border: 1px solid rgba(255,255,255,0.08);
}

.footer-disclaimer {
  background: rgba(0,0,0,0.28);
}

/* Inner-page mastheads and common panels */
.page-hero {
  padding: calc(var(--header-height) + 76px) 0 82px;
  background-image:
    radial-gradient(circle at 18% 25%, rgba(105,183,255,0.16), transparent 26%),
    radial-gradient(circle at 84% 65%, rgba(226,177,55,0.12), transparent 25%),
    radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    var(--gradient-hero);
  background-size: auto, auto, 28px 28px, auto;
}

.page-hero::after {
  content: '';
  position: absolute;
  inset: auto 12% -1px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.22), transparent);
}

.page-hero .container {
  position: relative;
  z-index: 2;
}

.page-hero h1 {
  letter-spacing: -0.04em;
  text-wrap: balance;
}

.page-hero p {
  color: rgba(235,242,250,0.68);
}

.loan-calculator,
.legal-content,
.compliance-box {
  border-color: rgba(15,31,56,0.09);
}

.calc-results {
  background:
    radial-gradient(circle at 80% 15%, rgba(105,183,255,0.16), transparent 34%),
    var(--gradient-hero);
}

/* Responsive refinement */
@media (max-width: 1080px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero-content {
    max-width: 780px;
    margin: 0 auto;
    text-align: center;
  }

  .hero h1,
  .hero-text {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-btns {
    justify-content: center;
  }

  .hero-stats {
    max-width: 680px;
    margin-left: auto;
    margin-right: auto;
  }

  .hero-form-wrapper {
    width: min(100%, 760px);
    margin: 0 auto;
  }
}

@media (max-width: 980px) {
  /* Put the application first at the same breakpoint as mobile navigation. */
  .hero-form-wrapper {
    order: -1;
  }

  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .trust-items {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .trust-item:nth-child(3) {
    border-left: 0;
  }

  .trust-item:nth-child(n+3) {
    border-top: 1px solid var(--gray-200);
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 74px;
  }

  .section-padding {
    padding: 72px 0;
  }

  .hero {
    min-height: auto;
    padding: calc(var(--header-height) + 42px) 0 76px;
  }

  .hero h1 {
    font-size: clamp(2.45rem, 9.5vw, 3.4rem);
  }

  .hero-text {
    font-size: 1.04rem;
  }

  .hero-form-wrapper::before {
    inset: -8px;
    border-radius: 32px;
  }

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

  .product-card {
    min-height: 0;
  }

  .cta-banner {
    padding: 24px 18px 52px;
  }

  .cta-banner .container {
    padding: 52px 24px;
    border-radius: 28px;
  }

  .page-hero {
    padding: calc(var(--header-height) + 56px) 0 64px;
  }

  .mobile-sticky-cta {
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    background: rgba(6,16,31,0.92);
    box-shadow: 0 -18px 40px -30px rgba(0,0,0,0.8);
  }

  .mobile-sticky-cta .btn {
    min-height: 52px;
    padding: 13px 18px;
  }
}

@media (max-width: 520px) {
  .container {
    padding-left: 18px;
    padding-right: 18px;
  }

  .logo {
    gap: 8px;
    font-size: 1.34rem;
  }

  .logo-icon {
    width: 39px;
    height: 39px;
    border-radius: 0;
  }

  .hero {
    padding-top: calc(var(--header-height) + 34px);
  }

  .hero h1 {
    font-size: clamp(2.2rem, 11vw, 2.8rem);
  }

  .hero-btns {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-btns .btn {
    width: 100%;
  }

  .hero-stats {
    border-radius: 16px;
  }

  .hero-stat {
    padding: 15px 8px;
  }

  .hero-stat .number {
    font-size: 1.34rem;
  }

  .hero-stat .label {
    font-size: 0.69rem;
    line-height: 1.35;
  }

  .hero-form {
    padding: 22px 18px 20px;
    border-radius: 22px;
  }

  .application-meta {
    font-size: 0.72rem;
  }

  .trust-items {
    grid-template-columns: 1fr;
    margin-top: -24px;
    border-radius: 22px;
  }

  .trust-item + .trust-item,
  .trust-item:nth-child(3) {
    border-left: 0;
    border-top: 1px solid var(--gray-200);
  }

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

  .cta-banner .container {
    padding: 46px 20px;
  }
}

/* Progressive enhancement: content stays readable when JavaScript is blocked. */
.faq-answer {
  max-height: none;
  overflow: visible;
}

.js .faq-answer {
  max-height: 0;
  overflow: hidden;
}

.animate-on-scroll {
  opacity: 1;
  transform: none;
}

.js .animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
}

.js .animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* The mobile overlay scrolls on compact landscape screens. */
.mobile-nav {
  overflow-y: auto;
  overscroll-behavior: contain;
  padding: calc(var(--header-height) + 24px) 24px max(32px, env(safe-area-inset-bottom));
}

/* Mobile CTA is revealed by script only after the page hero/form is passed. */
.mobile-sticky-cta {
  opacity: 0;
  transform: translateY(100%);
  pointer-events: none;
  transition: opacity var(--transition-base), transform var(--transition-base);
}

.mobile-sticky-cta.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

@media (max-width: 980px) and (max-height: 620px) {
  .mobile-nav {
    justify-content: flex-start;
    gap: 10px;
  }

  .mobile-nav a {
    padding: 6px 28px;
    font-size: 1.08rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .js .animate-on-scroll {
    opacity: 1 !important;
    transform: none !important;
  }
}

/* ======================================================
   CASHYLEND — CUSTOMER-CONFIDENCE UX
   Clear choices, visible costs, and review-before-submit.
   ====================================================== */

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 10000;
  padding: 11px 16px;
  border-radius: 10px;
  color: var(--navy-900);
  background: var(--gold-300);
  font-weight: 800;
  transform: translateY(-160%);
  transition: transform var(--transition-fast);
}

.skip-link:focus {
  transform: translateY(0);
}

.hero-reassurance,
.hero-range-note {
  max-width: 610px;
  color: rgba(235,242,250,0.68);
  font-size: 0.82rem;
  line-height: 1.6;
}

.hero-reassurance {
  display: flex;
  align-items: center;
  gap: 9px;
  margin: 15px 0 0;
}

.hero-reassurance::before {
  content: '';
  width: 7px;
  height: 7px;
  flex: 0 0 7px;
  border-radius: 50%;
  background: var(--brand-mint);
  box-shadow: 0 0 0 5px rgba(105,183,255,0.12);
}

.hero-range-note {
  margin: 10px 0 0;
  color: rgba(235,242,250,0.56);
  font-size: 0.76rem;
}

.hero-range-note a {
  color: #f0cc6b;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.hero-stat .number {
  font-size: clamp(1.18rem, 1.65vw, 1.62rem);
  white-space: nowrap;
}

.form-role-note {
  margin: 0 0 17px;
  padding: 13px 14px;
  border: 1px solid #d8e5f2;
  border-radius: 13px;
  color: #43556b;
  background: #f2f7fc;
  font-size: 0.79rem;
  line-height: 1.55;
}

#apply-form {
  scroll-margin-top: calc(var(--header-height) + 18px);
}

.form-role-note:focus {
  outline: 3px solid rgba(37,99,235,0.28);
  outline-offset: 3px;
}

.form-role-note strong {
  color: var(--navy-800);
}

.form-role-note a,
.after-submit-note a {
  color: #1d5fb8;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.review-panel {
  margin: 18px 0;
  overflow: hidden;
  border: 1px solid #d9e3ee;
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 12px 30px -28px rgba(6,16,31,0.55);
}

.review-panel-heading {
  padding: 14px 16px;
  border-bottom: 1px solid #e3eaf1;
  background: linear-gradient(135deg, #f1f7fd, #fffaf0);
}

.review-panel-heading h4 {
  margin: 0 0 2px;
  color: var(--navy-800);
  font-size: 0.96rem;
}

.review-panel-heading p,
.review-group p {
  margin: 0;
  color: #637287;
  font-size: 0.75rem;
  line-height: 1.5;
}

.review-group {
  padding: 11px 16px;
}

.review-group + .review-group {
  border-top: 1px solid #e3eaf1;
}

.review-group-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 3px;
  color: var(--navy-800);
  font-size: 0.78rem;
  font-weight: 800;
}

.review-edit {
  min-width: 44px;
  min-height: 30px;
  padding: 4px 9px;
  border: 1px solid #cdd9e6;
  border-radius: 8px;
  color: var(--blue-600);
  background: #fff;
  font: inherit;
  font-size: 0.72rem;
  font-weight: 800;
  cursor: pointer;
}

.review-edit:hover {
  border-color: #8eb9e8;
  background: #eef6ff;
}

.review-current {
  color: #66758a;
  font-size: 0.7rem;
  font-weight: 700;
}

.field-help {
  display: block;
  margin-top: 5px;
  color: #66758a;
  font-size: 0.73rem;
  line-height: 1.4;
}

.multi-step-form .step-title:focus {
  outline: none;
}

.hero-form .step-consent {
  display: flex;
  margin: var(--space-md) 0;
  color: var(--gray-600);
  font-size: 0.8rem;
  font-weight: 400;
  letter-spacing: 0;
  line-height: 1.55;
  text-transform: none;
}

.hero-form .step-consent > span {
  flex: 1;
  min-width: 0;
}

.hero-form .step-consent input[type="checkbox"] {
  width: 20px;
  height: 20px;
  min-height: 20px;
  padding: 0;
  border: 0;
  border-radius: 4px;
  background: transparent;
  appearance: auto;
  -webkit-appearance: checkbox;
  accent-color: var(--brand-gold);
}

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

.after-submit-note {
  margin: 12px 0 4px;
  padding: 12px 14px;
  border-left: 3px solid var(--brand-mint);
  border-radius: 0 10px 10px 0;
  color: #405267;
  background: #effaf6;
  font-size: 0.78rem;
  line-height: 1.55;
}

/* Present the six borrowing checks as one connected decision guide. */
#why-us .features-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  padding: 1px;
  overflow: hidden;
  border: 1px solid rgba(15,31,56,0.09);
  border-radius: 24px;
  background: #dfe7ef;
  box-shadow: 0 24px 58px -40px rgba(6,16,31,0.5);
}

#why-us .feature-card {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr);
  grid-template-rows: auto 1fr;
  column-gap: 16px;
  min-height: 0;
  padding: 25px;
  border: 0;
  border-radius: 0;
  background: #fff;
  box-shadow: none;
}

#why-us .feature-card::after {
  display: none;
}

#why-us .feature-card:hover {
  z-index: 1;
  transform: none;
  background: #fbfdff;
  box-shadow: inset 3px 0 0 var(--gold-400);
}

#why-us .feature-icon {
  grid-row: 1 / 3;
  width: 52px;
  height: 52px;
  margin: 0;
  color: var(--navy-700);
  background: linear-gradient(145deg, #eef6ff, #eef6ff);
}

#why-us .feature-card h4 {
  margin: 1px 0 6px;
}

#why-us .feature-card p {
  margin: 0;
}

/* The former testimonial surface now explains roles and customer control. */
.transparency-section .testimonial-stars {
  display: none;
}

.transparency-section .testimonial-card {
  display: flex;
  flex-direction: column;
  min-height: 270px;
}

.transparency-section .testimonial-card::before {
  content: '';
  top: auto;
  right: -40px;
  bottom: -70px;
  width: 170px;
  height: 170px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(240,204,107,0.10), transparent 68%);
}

.transparency-section .testimonial-author {
  order: -1;
  margin-bottom: 22px;
}

.transparency-section .testimonial-avatar {
  width: 50px;
  height: 50px;
  border-radius: 15px;
  color: var(--navy-900);
  background: linear-gradient(135deg, #f0cc6b, #d4a533);
  font-size: 0.78rem;
}

.transparency-section .testimonial-author h4 {
  color: #fff;
  font-size: 1.06rem;
}

.transparency-section .testimonial-author p {
  color: rgba(235,242,250,0.55);
}

.transparency-section .testimonial-text {
  margin: 0;
  color: rgba(244,248,252,0.82);
  font-style: normal;
  font-size: 0.98rem;
}

/* Keep goal cards within the core navy/gold interaction palette. */
.product-card:nth-child(n)::before {
  background: linear-gradient(90deg, #d4a533, #f0cc6b, #e0b84a);
}

.product-card:nth-child(n) .product-icon {
  color: var(--navy-700);
  background: linear-gradient(145deg, #fff7df, #eef6ff);
}

@media (max-width: 768px) {
  .hero-reassurance,
  .hero-range-note {
    margin-left: auto;
    margin-right: auto;
  }

  #why-us .features-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 520px) {
  .hero-stat .number {
    font-size: 1rem;
    letter-spacing: -0.035em;
  }

  .form-role-note {
    padding: 12px;
    font-size: 0.75rem;
  }

  .hero-form .step-nav {
    display: grid;
    grid-template-columns: auto minmax(0, 1fr);
  }

  .hero-form .step-nav .btn-step-next:only-child {
    grid-column: 1 / -1;
  }

  .btn-step-next,
  .btn-step-submit {
    padding-left: 12px !important;
    padding-right: 12px !important;
    font-size: 0.83rem !important;
  }

  #why-us .feature-card {
    grid-template-columns: 44px minmax(0, 1fr);
    column-gap: 13px;
    padding: 21px 18px;
  }

  #why-us .feature-icon {
    width: 44px;
    height: 44px;
  }
}

@media (max-width: 420px) {
  .hero-stats {
    grid-template-columns: 1fr;
  }

  .hero-stat {
    padding: 14px 16px;
  }

  .hero-stat + .hero-stat {
    border-top: 1px solid rgba(255,255,255,0.09);
    border-left: 0;
  }
}

/* The persistent header already keeps the action available. Removing the
   floating duplicate prevents pressure and stops it obscuring content. */
.sticky-cta,
.mobile-sticky-cta {
  display: none !important;
}

@media (max-width: 768px) {
  body {
    padding-bottom: 0;
  }
}

/* One primary action in the first viewport: the header action becomes gold
   only after the visitor has moved past the hero decision context. */
.header:not(.scrolled) .nav-cta {
  border: 1px solid rgba(240,204,107,0.62) !important;
  color: #f0cc6b !important;
  background: rgba(6,16,31,0.18) !important;
  box-shadow: none !important;
}

.header:not(.scrolled) .nav-cta:hover {
  color: var(--navy-900) !important;
  background: #f0cc6b !important;
}

/* The trust strip floats over the hero's lower edge; the old transparency
   module is retired. */
#service-transparency {
  display: none;
}

#main-content .section-padding {
  padding-top: 72px;
  padding-bottom: 72px;
}

.how-it-works .steps-grid {
  gap: 0;
  overflow: hidden;
  border: 1px solid rgba(15,31,56,0.09);
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 22px 52px -40px rgba(6,16,31,0.52);
}

.how-it-works .steps-grid::before {
  display: none;
}

.how-it-works .step-card {
  min-height: 0;
  padding: 30px;
  border: 0;
  border-radius: 0;
  background: #fff;
  box-shadow: none;
  text-align: left;
}

.how-it-works .step-card + .step-card {
  border-left: 1px solid #e3eaf1;
}

.how-it-works .step-card:hover {
  transform: none;
  background: #fbfdff;
}

.how-it-works .step-number {
  width: 42px;
  height: 42px;
  margin: 0 0 18px;
  box-shadow: 0 8px 18px -12px rgba(212,165,51,0.8), 0 0 0 6px #f4f8fd;
}

.process-assurances {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 12px 24px;
  margin-top: 22px;
  color: #52657b;
  font-size: 0.8rem;
  font-weight: 700;
}

.process-assurances span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.process-assurances svg {
  width: 17px;
  height: 17px;
  color: #168367;
}

#products .product-card {
  min-height: 235px;
  padding: 28px;
}

#products .product-card:hover {
  transform: none;
}

#products .product-icon {
  width: 54px;
  height: 54px;
  margin-bottom: 18px;
}

.footer-disclaimer .container {
  max-width: 1000px;
}

.footer-disclaimer h2 {
  margin: 0 0 10px;
  color: rgba(255,255,255,0.82);
  font-size: 0.96rem;
  letter-spacing: -0.01em;
}

.footer-disclaimer p {
  max-width: 85ch;
  color: rgba(255,255,255,0.56);
  font-size: 0.82rem;
  line-height: 1.75;
}

@media (max-width: 768px) {
  #main-content .section-padding {
    padding-top: 52px;
    padding-bottom: 52px;
  }

  .how-it-works .steps-grid {
    grid-template-columns: 1fr;
  }

  .how-it-works .step-card {
    display: grid;
    grid-template-columns: 44px minmax(0, 1fr);
    column-gap: 16px;
    padding: 24px 22px;
  }

  .how-it-works .step-card + .step-card {
    border-top: 1px solid #e3eaf1;
    border-left: 0;
  }

  .how-it-works .step-number {
    grid-row: 1 / 3;
    margin: 2px 0 0;
  }

  .how-it-works .step-card h3,
  .how-it-works .step-card p {
    grid-column: 2;
  }

  .process-assurances {
    justify-content: flex-start;
    padding-left: 4px;
  }
}

@media (max-width: 520px) {
  #main-content .section-padding {
    padding-top: 46px;
    padding-bottom: 46px;
  }

  .how-it-works .step-card {
    padding: 20px 17px;
  }

  .how-it-works .step-card h3 {
    margin-bottom: 5px;
    font-size: 1rem;
  }

  .how-it-works .step-card p {
    font-size: 0.82rem;
    line-height: 1.55;
  }

  .process-assurances {
    gap: 8px 16px;
    margin-top: 16px;
    font-size: 0.73rem;
  }

  #rates-disclosure {
    padding-top: 42px;
    padding-bottom: 42px;
  }

  #rates-disclosure .compliance-box {
    padding: 22px 14px;
  }

  #rates-disclosure .compliance-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 6px;
  }

  #rates-disclosure .compliance-item {
    padding: 12px 4px;
  }

  #rates-disclosure .compliance-item .value {
    font-size: 0.9rem;
    letter-spacing: -0.035em;
  }

  #rates-disclosure .compliance-item .desc {
    font-size: 0.63rem;
    line-height: 1.35;
  }

  #rates-disclosure .compliance-example {
    padding: 15px;
    font-size: 0.76rem;
    line-height: 1.55;
  }

  #products .products-grid {
    gap: 12px;
  }

  #products .product-card {
    display: grid;
    grid-template-columns: 46px minmax(0, 1fr);
    grid-template-rows: auto auto auto;
    column-gap: 14px;
    min-height: 0;
    padding: 19px 17px;
  }

  #products .product-icon {
    grid-row: 1 / 4;
    width: 46px;
    height: 46px;
    margin: 0;
  }

  #products .product-card h3,
  #products .product-card p,
  #products .product-card .learn-more {
    grid-column: 2;
  }

  #products .product-card h3 {
    margin: 0 0 4px;
    font-size: 1rem;
  }

  #products .product-card p {
    margin: 0 0 8px;
    font-size: 0.8rem;
    line-height: 1.5;
  }

  #products .product-card .learn-more {
    font-size: 0.78rem;
  }

  #why-us .feature-card {
    grid-template-columns: 38px minmax(0, 1fr);
    column-gap: 11px;
    padding: 16px 14px;
  }

  #why-us .feature-icon {
    width: 38px;
    height: 38px;
  }

  #why-us .feature-card h4 {
    margin-bottom: 3px;
    font-size: 0.92rem;
  }

  #why-us .feature-card p {
    font-size: 0.78rem;
    line-height: 1.5;
  }

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 30px 20px;
  }

  .footer-brand,
  .footer-col:last-child {
    grid-column: 1 / -1;
  }

  .footer-main {
    padding-top: 52px;
    padding-bottom: 42px;
  }

  .footer-disclaimer {
    padding-top: 24px;
    padding-bottom: 28px;
  }

  .footer-disclaimer p {
    font-size: 0.76rem;
    line-height: 1.65;
  }
}

/* Admin-selected accent presets. Gold intentionally keeps the existing design. */
.field-help[hidden] { display: none !important; }

html[data-site-palette="teal"] {
  --gold-500: #5acbb5;
  --gold-400: #7cdcc9;
  --gold-300: #a7ecdf;
  --gold-200: #d3f7ee;
  --gold-text: #0d6a5a;
  --shadow-gold: 0 0 25px rgba(90,203,181,0.25);
}

html[data-site-palette="blue"] {
  --gold-500: #7bb5f5;
  --gold-400: #9ccafb;
  --gold-300: #c0ddff;
  --gold-200: #e0eeff;
  --gold-text: #235893;
  --shadow-gold: 0 0 25px rgba(123,181,245,0.25);
}

html[data-site-palette]:not([data-site-palette="gold"]) .btn-primary,
html[data-site-palette]:not([data-site-palette="gold"]) .nav-cta {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500)) !important;
  color: var(--navy-800) !important;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.55), var(--shadow-gold);
}

html[data-site-palette]:not([data-site-palette="gold"]) .btn-primary:hover,
html[data-site-palette]:not([data-site-palette="gold"]) .nav-cta:hover {
  background: linear-gradient(135deg, var(--gold-200), var(--gold-400)) !important;
}

html[data-site-palette]:not([data-site-palette="gold"]) .hero-form::before,
html[data-site-palette]:not([data-site-palette="gold"]) .product-card:nth-child(n)::before {
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300), var(--gold-400));
}

html[data-site-palette]:not([data-site-palette="gold"]) .product-card:nth-child(n) .product-icon {
  background: linear-gradient(145deg, var(--gold-200), #eef6ff);
}

html[data-site-palette]:not([data-site-palette="gold"]) .multi-step-form .step-dot.active,
html[data-site-palette]:not([data-site-palette="gold"]) .step-card:nth-child(2) .step-number {
  color: var(--navy-800);
  box-shadow: 0 0 0 4px var(--gold-200);
}

/* Keep the approved logo artwork and wordmark together in their brand gold. */
html[data-site-palette] .logo-wordmark > span {
  color: #e0b84a;
}

.hero-form[hidden],
.application-paused[hidden] {
  display: none !important;
}

.application-paused {
  padding: clamp(24px, 5vw, 40px);
  border: 1px solid var(--gray-200);
  border-top: 4px solid var(--gold-400);
  border-radius: 28px;
  background: var(--white);
  color: var(--navy-800);
  box-shadow: var(--shadow-xl);
}

.application-paused h3 {
  margin-bottom: 14px;
  font-size: 1.5rem;
}

.application-paused p {
  margin-bottom: 24px;
  color: var(--gray-600);
  line-height: 1.7;
}

[data-home-badge], [data-home-title], [data-home-highlight], [data-home-description],
[data-home-cta], [data-form-submit-label],
[data-form-heading], [data-form-introduction], [data-form-paused-message],
[data-site-email] {
  min-width: 0;
  overflow-wrap: anywhere;
}

.hero-badge,
[data-home-cta],
[data-form-submit-label] {
  max-width: 100%;
  white-space: normal;
}

/* ── Loan form: one field grid per step ──
   Admins can reorder fields and choose full/half/quarter widths. The default
   widths reproduce the original two-column rows and the 2:1:1 City/State/ZIP row. */
.hero-form .form-fields {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  column-gap: var(--space-md);
}
.hero-form .form-fields > .form-group { grid-column: 1 / -1; min-width: 0; }
.hero-form .form-fields > .fw-half { grid-column: span 2; }
.hero-form .form-fields > .fw-quarter { grid-column: span 1; }
.hero-form .form-fields > [hidden] { display: none !important; }
@media (max-width: 768px) {
  .hero-form .form-fields > .form-group { grid-column: 1 / -1; }
}

/* Small laptops and landscape tablets keep the form beside the headline
   instead of pushing it below the fold; phones stack at 980px. */
@media (min-width: 981px) and (max-width: 1080px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(400px, 440px);
    gap: 40px;
  }

  .hero-content {
    max-width: none;
    margin: 0;
    text-align: left;
  }

  .hero h1,
  .hero-text,
  .hero-stats {
    margin-left: 0;
    margin-right: 0;
  }

  .hero-btns,
  .hero-stats {
    justify-content: flex-start;
  }

  .hero-form-wrapper {
    width: 100%;
    margin: 0;
  }
}

/* Center the reassurance line with the rest of the stacked hero copy. */
@media (max-width: 980px) {
  .hero-reassurance,
  .hero-range-note {
    margin-left: auto;
    margin-right: auto;
    justify-content: center;
  }
}

/* ── Form progress labels (the step count stays as a screen-reader status) ── */
.multi-step-form .step-indicator {
  margin: 4px 10px 34px;
}

.multi-step-form .step-label {
  position: absolute;
  top: calc(100% + 7px);
  left: 50%;
  transform: translateX(-50%);
  color: var(--gray-500);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  line-height: 1;
  white-space: nowrap;
  transition: color 0.25s ease;
}

.multi-step-form .step-dot.active .step-label { color: var(--navy-800); }
.multi-step-form .step-dot.completed .step-label { color: var(--blue-500); }

.multi-step-form .step-count {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ── Currency prefix on the income field ── */
.input-affix {
  position: relative;
}

.input-affix-text {
  position: absolute;
  top: 50%;
  left: 15px;
  transform: translateY(-50%);
  color: var(--gray-500);
  font-weight: 600;
  pointer-events: none;
}

.hero-form .input-affix input {
  padding-left: 30px;
}

/* ── Email typo suggestion ── */
.email-suggestion {
  display: block;
  margin-top: 6px;
  padding: 0;
  border: 0;
  background: none;
  color: var(--blue-500);
  font: inherit;
  font-size: 0.8rem;
  font-weight: 600;
  text-align: left;
  text-decoration: underline;
  text-underline-offset: 3px;
  cursor: pointer;
}

.email-suggestion:hover { color: var(--navy-800); }

/* ── Goal cards: start the form with the purpose chosen ── */
.goal-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 18px;
  margin-top: auto;
}

.product-card .goal-actions .learn-more { margin-top: 0; }

.goal-secondary {
  color: var(--gray-500);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.goal-secondary:hover { color: var(--navy-800); }

@media (max-width: 520px) {
  #products .product-card .goal-actions {
    grid-column: 2;
  }

  #products .product-card .goal-actions .learn-more,
  #products .product-card .goal-secondary {
    font-size: 0.78rem;
  }
}

/* ── Phones: a compact headline sits above the form-first hero ── */
.hero-mobile-title {
  display: none;
}

@media (max-width: 980px) {
  .hero-mobile-title {
    display: block;
    order: -2;
    max-width: 520px;
    margin: 0 auto -20px;
    color: var(--white);
    font-family: var(--font-heading);
    font-size: clamp(1.65rem, 6.6vw, 2.2rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1.12;
    text-align: center;
    text-wrap: balance;
  }

  .hero-mobile-title .highlight {
    color: var(--gold-400);
  }

  /* The same headline is announced from the real h1 after the form. */
  .hero .hero-content h1 {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: -1px;
    padding: 0;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }
}

/* ── Four-step process ── */
.how-it-works .steps-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.step-card:nth-child(4) .step-number {
  background: linear-gradient(135deg, var(--navy-700), #1d4170);
  box-shadow: 0 4px 15px rgba(15,31,56,0.3);
}

@media (max-width: 1024px) {
  .how-it-works .steps-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .how-it-works .steps-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* ── Trust strip ── */
.trust-item h4 {
  font-size: 0.95rem;
  letter-spacing: -0.01em;
}

.trust-item p {
  font-size: 0.8rem;
  line-height: 1.45;
}

.hero-range-note a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* ── Loan requirements page: accepted vs not accepted accounts ── */
.account-policy-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-lg);
  margin-top: var(--space-xl);
}

.account-policy-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
}

.account-policy-card h3 {
  margin-bottom: var(--space-sm);
  color: var(--navy-800);
}

.account-policy-card .loan-features-list {
  margin-bottom: 0;
}

.account-policy-card .loan-features-list li:last-child {
  margin-bottom: 0;
}

.account-policy-card.is-negative {
  border-color: var(--red-100);
  background: #fffafa;
}

.account-policy-card.is-negative .loan-features-list li svg {
  color: var(--red-500);
}

/* Hero: retiree note under the credit-score reassurance */
.hero-retiree-note { margin-top: 8px; align-items: baseline; }
.hero-retiree-note::before { transform: translateY(-1px); }
.hero-retiree-note::before { background: #f0cc6b; box-shadow: 0 0 0 5px rgba(240,204,107,0.14); }
.hero-retiree-note a {
  color: #f0cc6b;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.hero-retiree-note a:hover { color: #fff; }

/* Articles: byline, main image; /loans guide links; editorial policy page */
.blog-byline a { color: inherit; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.blog-article-image { max-width: 760px; margin: 0 auto 32px; padding: 0 var(--space-lg, 24px); }
.blog-article-image img { display: block; width: 100%; height: auto; border-radius: 16px; box-shadow: 0 10px 30px -12px rgba(10, 22, 40, 0.35); }
.blog-article-body a:not(.btn) { color: var(--blue-500, #2563eb); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.guide-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; max-width: 860px; margin: 32px auto 0; padding: 0; list-style: none; }
@media (max-width: 640px) { .guide-links { grid-template-columns: minmax(0, 1fr); } }
.guide-links li { display: flex; flex-direction: column; gap: 6px; padding: 20px 22px; border: 1px solid var(--gray-200, #e2e8f0); border-radius: 14px; background: var(--white, #fff); }
.guide-links a { color: var(--navy-800, #0a1628); font-family: var(--font-heading); font-size: 1.05rem; font-weight: 700; text-decoration: none; }
.guide-links a:hover { color: var(--blue-500, #2563eb); text-decoration: underline; }
.guide-links span { color: var(--gray-600, #475569); font-size: 0.9rem; }
.editorial-updated { color: var(--gray-500, #64748b); font-size: 0.9rem; }

/* The whole date of birth field opens the calendar, so show it as clickable. */
#heroLoanForm input[type="date"]:not(:disabled) { cursor: pointer; }

/* Phones: one-column grids fit the screen, and the navy summary panels on
   /about and /loans shrink with it instead of forcing sideways scrolling. */
.loan-detail-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.loan-detail-stat { min-width: 0; overflow-wrap: anywhere; }
@media (max-width: 768px) {
  .about-content, .loan-detail-grid { grid-template-columns: minmax(0, 1fr); }
  .loan-detail-visual { padding: var(--space-xl) var(--space-lg); }
  .loan-detail-visual .amount-range { font-size: clamp(1.6rem, 8.5vw, 2.5rem); overflow-wrap: anywhere; }
}

/* Articles: short-answer box at the top, written to answer the search directly. */
.blog-answer { margin: 0 0 28px; padding: 18px 22px; border-left: 4px solid var(--gold-500, #d4a533); border-radius: 12px; background: #f6f9fd; }
.blog-answer p { margin: 0; }