/* =====================================================================
   Instaflow Sales — single-page landing
   All brand colours live in :root below. The two brand colours were
   sampled directly from the logo (blue #004EA7, red #C42C28).
   ===================================================================== */

:root {
  /* Primary — logo blue */
  --primary: #004EA7;
  --primary-700: #003A7D;
  --primary-600: #00438F;
  --primary-400: #2A6FC4;
  --primary-300: #6E9BD5;
  --primary-200: #C3D5EE;
  --primary-100: #E3ECF8;
  --primary-50:  #F2F6FC;

  /* Secondary — logo red */
  --secondary: #C42C28;
  --secondary-600: #A8231F;
  --secondary-300: #F28C86;   /* readable on dark backgrounds */
  --secondary-100: #FBE3E2;
  --secondary-50:  #FDF3F2;

  /* Deep shades derived from the primary */
  --navy-950: #030F24;
  --navy-900: #06183A;
  --navy-800: #0A2552;
  --navy-700: #123570;

  /* Neutrals */
  --ink: #0B1A33;
  --text: #3F4C66;
  --muted: #64718B;
  --line: #DDE6F2;
  --white: #FFFFFF;

  /* On-dark text */
  --on-dark: #C9D5EA;
  --on-dark-muted: #A3B3CF;

  /* Gradients */
  --grad-primary: linear-gradient(135deg, #0A63C9 0%, var(--primary) 55%, var(--primary-700) 100%);
  --grad-range: linear-gradient(90deg, #4A8BDA, var(--primary));
  --grad-brand: linear-gradient(90deg, var(--primary) 0%, var(--primary-400) 45%, var(--secondary) 100%);

  /* Primary-tinted shadows */
  --shadow-sm: 0 1px 2px rgba(0, 58, 125, .05), 0 2px 8px rgba(0, 58, 125, .05);
  --shadow-md: 0 4px 12px rgba(0, 58, 125, .06), 0 14px 34px rgba(0, 58, 125, .08);
  --shadow-lg: 0 10px 30px rgba(0, 58, 125, .08), 0 30px 70px rgba(0, 58, 125, .14);
  --shadow-hover: 0 18px 40px rgba(0, 78, 167, .14), 0 4px 12px rgba(0, 78, 167, .06);

  /* Shape & layout */
  --radius-card: 18px;
  --radius-btn: 12px;
  --nav-h: 76px;
  --container: 1200px;
  --gutter: 24px;

  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
img { height: auto; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); font-weight: 800; line-height: 1.15; letter-spacing: -.02em; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
address { font-style: normal; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
[hidden] { display: none !important; }
.tnum { font-variant-numeric: tabular-nums; font-feature-settings: "tnum" 1; }

:focus-visible { outline: 3px solid rgba(0, 78, 167, .45); outline-offset: 3px; border-radius: 6px; }
.bg-dark :focus-visible { outline-color: rgba(156, 192, 238, .7); }

.icon {
  width: 24px; height: 24px; flex: none;
  fill: none; stroke: currentColor; stroke-width: 1.75;
  stroke-linecap: round; stroke-linejoin: round;
}

.skip-link {
  position: fixed; left: 16px; top: -60px; z-index: 300;
  padding: 10px 16px; border-radius: 10px;
  background: var(--primary); color: #fff; font-weight: 700;
  transition: top .2s;
}
.skip-link:focus { top: 16px; }

.container {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section { position: relative; padding-block: 96px; scroll-margin-top: calc(var(--nav-h) - 1px); }
.section--compact { padding-block: 80px; }
.bg-tint { background: var(--primary-50); }
.bg-dark { background: var(--navy-900); color: var(--on-dark); overflow: hidden; }

/* ---------- Section heading ---------- */
.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2, .glow-card h2 { font-size: clamp(1.85rem, 3.4vw, 2.7rem); }
.section-head p { margin-top: 16px; font-size: 1.075rem; color: var(--muted); }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  margin-bottom: 14px;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--secondary);
}
.eyebrow::before, .center .eyebrow::after {
  content: ""; width: 22px; height: 2px; border-radius: 2px; background: currentColor; opacity: .8;
}
.bg-dark .eyebrow { color: var(--secondary-300); }
.bg-dark h2, .bg-dark h3 { color: #fff; }
.bg-dark .section-head p { color: var(--on-dark-muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  height: 52px; padding: 0 26px;
  border-radius: var(--radius-btn); border: 1.5px solid transparent;
  font-size: .98rem; font-weight: 700; line-height: 1; white-space: nowrap;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-color .25s, color .25s, border-color .25s;
}
.btn .icon { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover > .icon:has(use[href="#i-arrow-right"]) { transform: translateX(3px); }
.btn-sm { height: 42px; padding: 0 18px; font-size: .9rem; }
.btn-block { width: 100%; }

.btn-primary {
  background: var(--grad-primary); color: #fff;
  box-shadow: 0 6px 16px rgba(0, 78, 167, .24), inset 0 1px 0 rgba(255, 255, 255, .15);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(0, 78, 167, .36), 0 0 0 4px rgba(0, 78, 167, .10), inset 0 1px 0 rgba(255, 255, 255, .15);
}
.btn-outline { border-color: var(--primary); color: var(--primary); background: rgba(255, 255, 255, .65); }
.btn-outline:hover {
  transform: translateY(-2px);
  background: var(--primary-50);
  box-shadow: 0 10px 24px rgba(0, 78, 167, .16);
}
.btn-light { background: #fff; color: var(--primary); box-shadow: 0 8px 22px rgba(0, 0, 0, .18); }
.btn-light:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(0, 0, 0, .25), 0 0 0 4px rgba(255, 255, 255, .14); color: var(--secondary); }

/* ---------- Header / navigation ---------- */
.site-header {
  position: fixed; inset: 0 0 auto; z-index: 100;
  height: var(--nav-h);
  transition: background-color .3s, box-shadow .3s, backdrop-filter .3s;
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, .82);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  backdrop-filter: saturate(180%) blur(14px);
  box-shadow: 0 1px 0 rgba(0, 58, 125, .06), 0 8px 30px rgba(0, 58, 125, .08);
}
.nav { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { flex: none; }
.brand img { height: 40px; width: auto; }

.nav-links { position: relative; display: flex; align-items: center; gap: 2px; }
.nav-links a {
  display: block; padding: 10px 11px;
  font-size: .9rem; font-weight: 600; color: var(--ink); opacity: .78;
  transition: color .2s, opacity .2s;
}
.nav-links a:hover { color: var(--secondary); opacity: 1; }
.nav-links a.is-active { color: var(--primary); opacity: 1; }
.nav-indicator {
  position: absolute; left: 0; bottom: 3px;
  width: 0; height: 2.5px; border-radius: 2px;
  background: var(--grad-brand);
  opacity: 0; pointer-events: none;
  transition: transform .45s var(--ease), width .45s var(--ease), opacity .3s;
}
.nav-actions { display: flex; align-items: center; gap: 10px; }
.nav-toggle, .nav-close {
  display: none; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 12px;
  border: 1px solid var(--line); background: rgba(255, 255, 255, .8); color: var(--ink);
  transition: background-color .2s, border-color .2s;
}
.nav-toggle:hover, .nav-close:hover { border-color: var(--primary-200); background: var(--primary-50); }
.nav-close { display: inline-flex; }

/* Mobile slide-in menu */
.mobile-menu {
  position: fixed; inset: 0; z-index: 200;
  visibility: hidden; pointer-events: none;
  transition: visibility 0s linear .45s;
}
.mobile-menu.is-open { visibility: visible; pointer-events: auto; transition-delay: 0s; }
.mobile-menu__overlay {
  position: absolute; inset: 0;
  background: rgba(3, 15, 36, .5);
  -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px);
  opacity: 0; transition: opacity .35s;
}
.mobile-menu.is-open .mobile-menu__overlay { opacity: 1; }
.mobile-menu__panel {
  position: absolute; top: 0; right: 0;
  width: min(380px, 88vw); height: 100%; height: 100dvh;
  display: flex; flex-direction: column;
  padding: 18px 24px 28px; overflow-y: auto;
  background: #fff; box-shadow: -20px 0 60px rgba(3, 15, 36, .25);
  transform: translateX(100%); transition: transform .45s var(--ease);
}
.mobile-menu.is-open .mobile-menu__panel { transform: none; }
.mobile-menu__top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.mobile-menu__top img { height: 36px; width: auto; }
.mobile-links { padding: 12px 0; flex: 1; }
.mobile-links a {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 4px; border-bottom: 1px solid var(--primary-50);
  font-size: 1.08rem; font-weight: 700; color: var(--ink);
  transition: color .2s, padding .25s var(--ease);
}
.mobile-links a::after { content: ""; width: 7px; height: 7px; border-radius: 50%; background: transparent; transition: background-color .2s; }
.mobile-links a:hover { color: var(--secondary); padding-left: 10px; }
.mobile-links a.is-active { color: var(--primary); }
.mobile-links a.is-active::after { background: var(--secondary); }
.mobile-menu__cta { display: grid; gap: 12px; padding-top: 16px; }

@media (max-width: 1180px) {
  .site-header nav { display: none; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 480px) {
  .nav-actions .btn { display: none; }
  .brand img { height: 34px; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  padding: calc(var(--nav-h) + 48px) 0 56px;
  background: linear-gradient(180deg, #F3F7FD 0%, #EAF1FA 55%, #FFFFFF 100%);
  scroll-margin-top: 0;
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.hero-bg::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(60% 55% at 85% 15%, rgba(0, 78, 167, .14), transparent 70%),
    radial-gradient(45% 45% at 5% 85%, rgba(196, 44, 40, .07), transparent 70%);
}
.grid-pattern {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(0, 78, 167, .06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0, 78, 167, .06) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(ellipse 85% 75% at 50% 40%, #000 30%, transparent 85%);
  mask-image: radial-gradient(ellipse 85% 75% at 50% 40%, #000 30%, transparent 85%);
}
.orb { position: absolute; border-radius: 50%; filter: blur(80px); will-change: transform; animation: orb-float 24s ease-in-out infinite alternate; }
.orb-1 { width: 460px; height: 460px; top: -140px; right: -100px; background: #4F8EE0; opacity: .32; }
.orb-2 { width: 360px; height: 360px; bottom: 6%; left: -140px; background: #E5605B; opacity: .14; animation-duration: 28s; animation-delay: -6s; }
.orb-3 { width: 300px; height: 300px; top: 38%; left: 42%; background: #8DB8F0; opacity: .22; animation-duration: 32s; animation-delay: -12s; }
@keyframes orb-float {
  0%   { transform: translate3d(0, 0, 0) scale(1); }
  50%  { transform: translate3d(40px, -30px, 0) scale(1.08); }
  100% { transform: translate3d(-30px, 24px, 0) scale(.95); }
}

.hero-chart { position: absolute; left: 0; bottom: 0; width: 100%; height: 80%; opacity: .6; }
.chart-line {
  fill: none; stroke: url(#lineGrad); stroke-width: 3;
  stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 1; stroke-dashoffset: 1;
  filter: drop-shadow(0 0 6px rgba(0, 78, 167, .45));
  animation: chart-draw 14s var(--ease) infinite;
}
.chart-area { fill: url(#areaGrad); opacity: 0; animation: chart-area 14s ease infinite; }
@keyframes chart-draw {
  0%   { stroke-dashoffset: 1; opacity: 0; }
  4%   { opacity: 1; }
  50%  { stroke-dashoffset: 0; }
  86%  { stroke-dashoffset: 0; opacity: 1; }
  100% { stroke-dashoffset: 0; opacity: 0; }
}
@keyframes chart-area {
  0%, 28% { opacity: 0; }
  55%, 86% { opacity: 1; }
  100% { opacity: 0; }
}

.floater {
  position: absolute; bottom: -60px; left: var(--x);
  opacity: 0;
  animation: rise var(--dur, 26s) linear infinite;
  animation-delay: var(--delay, 0s);
}
.floater.rupee { font-size: var(--s, 26px); font-weight: 800; line-height: 1; color: var(--primary); }
.floater.candle { width: 8px; height: var(--h, 32px); border-radius: 2px; background: var(--primary); }
.floater.candle::before {
  content: ""; position: absolute; left: 50%; top: -10px; bottom: -10px;
  width: 1.5px; transform: translateX(-50%); background: inherit;
}
.floater.candle.down { background: var(--secondary); }
@keyframes rise {
  0%   { transform: translateY(0); opacity: 0; }
  10%  { opacity: .13; }
  85%  { opacity: .13; }
  100% { transform: translateY(-1100px); opacity: 0; }
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 520px);
  grid-template-areas: "head calc" "body calc";
  column-gap: 64px;
}
.hero-head { grid-area: head; align-self: end; }
.hero-body { grid-area: body; align-self: start; }
.hero-calc { grid-area: calc; align-self: center; }

.hero-tag {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 12px; border-radius: 999px;
  background: rgba(255, 255, 255, .85); border: 1px solid var(--primary-200);
  font-size: .82rem; font-weight: 700; color: var(--primary); box-shadow: var(--shadow-sm);
}
.pulse-dot { position: relative; width: 8px; height: 8px; border-radius: 50%; background: var(--secondary); }
.pulse-dot::after {
  content: ""; position: absolute; inset: -4px; border-radius: 50%;
  border: 2px solid var(--secondary); opacity: 0;
  animation: pulse 2.4s ease-out infinite;
}
@keyframes pulse { 0% { transform: scale(.5); opacity: .7; } 100% { transform: scale(1.6); opacity: 0; } }

.hero h1 { margin-top: 22px; font-size: clamp(2.2rem, 4.5vw, 3.55rem); line-height: 1.08; letter-spacing: -.03em; }
.h1-line { display: block; }
.h1-accent {
  background: linear-gradient(90deg, var(--primary) 0%, #2C7BD6 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-sub { margin-top: 22px; max-width: 520px; font-size: 1.12rem; color: var(--text); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 28px; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; font-size: .92rem; font-weight: 600; color: var(--ink); }
.hero-points .icon {
  width: 20px; height: 20px; padding: 3px; border-radius: 50%;
  background: var(--primary-100); color: var(--primary); stroke-width: 2.5;
}

/* ---------- EMI calculator ---------- */
.calc {
  position: relative;
  padding: 26px;
  border-radius: 24px;
  background: rgba(255, 255, 255, .74);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  backdrop-filter: blur(18px) saturate(160%);
  box-shadow: 0 0 0 6px rgba(0, 78, 167, .035), 0 30px 80px rgba(0, 78, 167, .18), 0 8px 24px rgba(0, 58, 125, .08);
  scroll-margin-top: calc(var(--nav-h) + 16px);
}
.calc::before {                     /* soft glowing gradient border */
  content: ""; position: absolute; inset: 0; border-radius: inherit; padding: 1.5px;
  background: linear-gradient(140deg, rgba(0, 78, 167, .6), rgba(255, 255, 255, .5) 38%, rgba(255, 255, 255, .5) 62%, rgba(196, 44, 40, .45));
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
}
.calc.is-highlight { animation: calc-highlight 1.4s var(--ease); }
@keyframes calc-highlight {
  0%   { box-shadow: 0 0 0 6px rgba(0, 78, 167, .035), 0 30px 80px rgba(0, 78, 167, .18); }
  30%  { box-shadow: 0 0 0 10px rgba(0, 78, 167, .16), 0 30px 90px rgba(0, 78, 167, .3); }
  100% { box-shadow: 0 0 0 6px rgba(0, 78, 167, .035), 0 30px 80px rgba(0, 78, 167, .18); }
}

.calc-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 6px; }
.calc-title { font-size: 1.3rem; }
.calc-subtitle { margin-top: 4px; font-size: .86rem; color: var(--muted); }
.calc-live {
  display: inline-flex; align-items: center; gap: 8px; flex: none;
  padding: 6px 12px; border-radius: 999px;
  background: var(--secondary-50); color: var(--secondary);
  font-size: .75rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
}

.field { margin-top: 18px; }
.field-label { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 12px; margin-bottom: 8px; }
.field-label label { font-size: .88rem; font-weight: 700; color: var(--ink); }
.label-hint { font-weight: 500; color: var(--muted); }

.select, .input {
  width: 100%; height: 50px;
  border-radius: var(--radius-btn); border: 1.5px solid var(--line);
  background-color: #fff;
  padding: 0 14px;
  font-weight: 600; color: var(--ink);
  transition: border-color .2s, box-shadow .2s, background-color .2s;
}
.select {
  appearance: none; -webkit-appearance: none;
  padding-right: 44px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23004EA7' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 18px;
}
.select:hover, .input:hover { border-color: var(--primary-200); }
.select:focus, .input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(0, 78, 167, .12); }

.num-box {
  display: inline-flex; align-items: center; gap: 4px;
  height: 42px; padding: 0 12px;
  border-radius: var(--radius-btn); border: 1.5px solid var(--line); background: #fff;
  transition: border-color .2s, box-shadow .2s;
}
.num-box:focus-within { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(0, 78, 167, .12); }
.num-box.is-invalid { border-color: var(--secondary); box-shadow: 0 0 0 4px rgba(196, 44, 40, .1); }
.num-box input {
  width: 128px; border: 0; outline: 0; background: transparent; padding: 0;
  text-align: right; font-weight: 800; font-size: 1rem; color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.num-box--sm input { width: 48px; }
.affix { font-size: .9rem; font-weight: 700; color: var(--muted); }

.tenure-controls { display: flex; align-items: center; gap: 8px; }
.unit-toggle { display: inline-flex; padding: 3px; border-radius: 10px; background: var(--primary-50); border: 1px solid var(--primary-100); }
.unit-toggle button {
  height: 34px; padding: 0 12px; border: 0; border-radius: 8px; background: transparent;
  font-size: .8rem; font-weight: 700; color: var(--muted);
  transition: background-color .2s, color .2s, box-shadow .2s;
}
.unit-toggle button[aria-pressed="true"] { background: #fff; color: var(--primary); box-shadow: 0 2px 6px rgba(0, 58, 125, .12); }

/* Custom range slider: gradient-filled track up to a glowing thumb */
.range {
  -webkit-appearance: none; appearance: none;
  display: block; width: 100%; height: 6px; margin: 14px 0 0;
  border-radius: 99px; cursor: pointer; outline: none;
  background: var(--grad-range) 0 0 / var(--fill, 50%) 100% no-repeat, var(--primary-100);
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; box-sizing: border-box;
  width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 5px solid var(--primary);
  box-shadow: 0 0 0 6px rgba(0, 78, 167, .12), 0 4px 12px rgba(0, 78, 167, .35);
  transition: transform .2s var(--ease), box-shadow .2s;
}
.range::-moz-range-thumb {
  box-sizing: border-box; width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 5px solid var(--primary);
  box-shadow: 0 0 0 6px rgba(0, 78, 167, .12), 0 4px 12px rgba(0, 78, 167, .35);
  transition: transform .2s var(--ease), box-shadow .2s;
}
.range::-moz-range-track { height: 6px; background: transparent; border: 0; }
.range:hover::-webkit-slider-thumb, .range:active::-webkit-slider-thumb { transform: scale(1.1); box-shadow: 0 0 0 9px rgba(0, 78, 167, .14), 0 6px 16px rgba(0, 78, 167, .4); }
.range:hover::-moz-range-thumb, .range:active::-moz-range-thumb { transform: scale(1.1); box-shadow: 0 0 0 9px rgba(0, 78, 167, .14), 0 6px 16px rgba(0, 78, 167, .4); }
.range:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 9px rgba(0, 78, 167, .28); }
.range:focus-visible::-moz-range-thumb { box-shadow: 0 0 0 9px rgba(0, 78, 167, .28); }

.range-scale { display: flex; justify-content: space-between; align-items: center; margin-top: 10px; font-size: .75rem; font-weight: 600; color: var(--muted); }
.range-scale .words {
  padding: 2px 10px; border-radius: 999px;
  background: var(--primary-50); color: var(--primary); font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.range-scale .words:empty { visibility: hidden; }

.field.is-flash .num-box { animation: flash 1s var(--ease); }
@keyframes flash { 0% { box-shadow: 0 0 0 0 rgba(196, 44, 40, 0); } 30% { box-shadow: 0 0 0 5px rgba(196, 44, 40, .2); border-color: var(--secondary); } 100% { box-shadow: 0 0 0 0 rgba(196, 44, 40, 0); } }

.calc-results {
  margin-top: 22px; padding: 20px;
  border-radius: 18px; border: 1px solid var(--primary-100);
  background: linear-gradient(160deg, var(--primary-50), #fff 70%);
}
.emi-box { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 4px 12px; padding-bottom: 16px; border-bottom: 1px dashed var(--primary-200); }
.emi-label { width: 100%; font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.emi-value { font-size: clamp(2rem, 4vw, 2.5rem); font-weight: 800; line-height: 1.1; letter-spacing: -.02em; color: var(--primary); }
.emi-words { font-size: .8rem; font-weight: 700; color: var(--secondary); }

.calc-split { display: grid; grid-template-columns: 124px 1fr; gap: 20px; align-items: center; margin-top: 16px; }
.donut { position: relative; width: 124px; height: 124px; }
.donut svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.donut circle { fill: none; stroke-width: 14; }
.donut-track { stroke: var(--secondary); }
.donut-principal {
  stroke: var(--primary); stroke-linecap: butt;
  stroke-dasharray: 0 302;
  transition: stroke-dasharray .7s var(--ease);
}
.donut-center { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; line-height: 1.1; }
.donut-center strong { font-size: 1.2rem; color: var(--ink); }
.donut-center span { font-size: .68rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; }

.summary { margin: 0; display: grid; gap: 10px; }
.summary-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 10px; }
.summary dt { display: flex; align-items: center; gap: 8px; font-size: .84rem; font-weight: 600; color: var(--text); }
.summary dd { margin: 0; text-align: right; }
.summary dd span { display: block; font-weight: 800; color: var(--ink); font-size: .98rem; }
.summary dd small { display: block; font-size: .7rem; font-weight: 600; color: var(--muted); }
.summary dd small:empty { display: none; }
.summary-row--total { padding-top: 10px; border-top: 1px solid var(--primary-100); }
.summary-row--total dt { font-weight: 700; color: var(--ink); }
.dot { width: 10px; height: 10px; border-radius: 3px; flex: none; }
.dot--principal { background: var(--primary); }
.dot--interest { background: var(--secondary); }

.breakdown-toggle {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 14px; padding: 6px 2px; border: 0; background: none;
  font-size: .88rem; font-weight: 700; color: var(--primary);
}
.breakdown-toggle:hover { color: var(--secondary); }
.breakdown-toggle .icon { width: 18px; height: 18px; transition: transform .35s var(--ease); }
.breakdown-toggle[aria-expanded="true"] .icon { transform: rotate(180deg); }
.breakdown { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .45s var(--ease); }
.breakdown.is-open { grid-template-rows: 1fr; }
.breakdown-inner { min-height: 0; overflow: hidden; }
.table-wrap { max-height: 260px; overflow: auto; margin-top: 8px; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.table-wrap table { width: 100%; border-collapse: collapse; font-size: .8rem; font-variant-numeric: tabular-nums; }
.table-wrap th {
  position: sticky; top: 0; z-index: 1;
  padding: 10px 12px; background: var(--primary-50);
  font-size: .7rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--muted);
  text-align: right; white-space: nowrap;
}
.table-wrap td { padding: 9px 12px; border-top: 1px solid var(--primary-50); text-align: right; white-space: nowrap; color: var(--ink); font-weight: 600; }
.table-wrap th:first-child, .table-wrap td:first-child { text-align: left; }
.table-wrap tbody tr:hover td { background: var(--primary-50); }

.calc-apply { margin-top: 16px; }
.calc-note { display: flex; align-items: flex-start; justify-content: center; gap: 8px; margin-top: 14px; font-size: .8rem; color: var(--muted); text-align: left; }
.calc-note .icon { width: 16px; height: 16px; margin-top: 2px; color: var(--primary-300); }

/* ---------- Stats strip ---------- */
.stats {
  position: relative;
  display: grid; grid-template-columns: repeat(4, 1fr);
  margin-top: 64px;
  border-radius: 22px; border: 1px solid var(--primary-100);
  background: #fff; box-shadow: var(--shadow-md);
}
.stat { position: relative; display: flex; align-items: center; gap: 16px; padding: 28px 26px; }
.stat + .stat::before { content: ""; position: absolute; left: 0; top: 24px; bottom: 24px; width: 1px; background: var(--line); }
.stat-icon { display: grid; place-items: center; width: 52px; height: 52px; flex: none; border-radius: 14px; background: var(--primary-50); color: var(--primary); border: 1px solid var(--primary-100); }
.stat-icon--red { background: var(--secondary-50); color: var(--secondary); border-color: var(--secondary-100); }
.stat-value { font-size: 1.75rem; font-weight: 800; line-height: 1.15; letter-spacing: -.02em; color: var(--ink); white-space: nowrap; }
.stat-prefix { font-size: .9em; }
.stat-label { margin-top: 2px; font-size: .86rem; font-weight: 500; color: var(--muted); }

/* ---------- Cards (shared) ---------- */
.card {
  position: relative;
  padding: 28px;
  border-radius: var(--radius-card); border: 1px solid var(--line);
  background: #fff; box-shadow: var(--shadow-sm);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); border-color: var(--primary-200); }
.icon-tile {
  display: grid; place-items: center; flex: none;
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--primary-50); color: var(--primary); border: 1px solid var(--primary-100);
  transition: background .35s, color .35s, border-color .35s, box-shadow .35s;
}
.icon-tile--red { background: var(--secondary-50); color: var(--secondary); border-color: var(--secondary-100); }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 64px; align-items: center; }
.about-text .section-head { margin-bottom: 24px; }
.about-text p { font-size: 1.05rem; }
.about-text p + p { margin-top: 16px; }
.about-actions { margin-top: 32px; }

.about-panel {
  position: relative; overflow: hidden;
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  padding: 28px; border-radius: 28px;
  background:
    radial-gradient(70% 60% at 100% 0%, rgba(79, 142, 224, .45), transparent 60%),
    radial-gradient(60% 50% at 0% 100%, rgba(196, 44, 40, .25), transparent 60%),
    linear-gradient(160deg, var(--navy-800), var(--navy-900));
  box-shadow: var(--shadow-lg);
}
.about-panel__grid {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 32px 32px;
}
.fact {
  position: relative; display: flex; align-items: center; gap: 14px;
  padding: 18px; border-radius: 16px;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .1);
  -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
  transition: transform .35s var(--ease), background-color .35s, border-color .35s;
}
.fact:hover { transform: translateY(-3px); background: rgba(255, 255, 255, .09); border-color: rgba(156, 192, 238, .35); }
.fact--wide { grid-column: 1 / -1; padding: 22px; }
.fact-icon { display: grid; place-items: center; width: 44px; height: 44px; flex: none; border-radius: 12px; background: rgba(79, 142, 224, .2); color: #A9C9F2; }
.fact-icon .icon { width: 22px; height: 22px; }
.fact--wide .fact-icon { width: 52px; height: 52px; background: rgba(196, 44, 40, .22); color: var(--secondary-300); }
.fact-label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--on-dark-muted); }
.fact-value { display: block; margin-top: 2px; font-size: 1.02rem; font-weight: 700; line-height: 1.3; color: #fff; }
.fact--wide .fact-value { font-size: 2rem; line-height: 1.1; }
.fact-note { display: block; margin-top: 2px; font-size: .82rem; color: var(--on-dark-muted); }

.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 80px; }
.pillar h3 { margin-top: 20px; font-size: .9rem; letter-spacing: .12em; text-transform: uppercase; color: var(--primary); }
.pillar p { margin-top: 12px; font-size: .96rem; }
.value-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.value-list li {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 14px; border-radius: 999px;
  background: var(--primary-50); border: 1px solid var(--primary-100);
  font-size: .86rem; font-weight: 600; color: var(--ink);
}
.value-list li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--secondary); }

/* ---------- Loans ---------- */
.loan-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.loan-card { padding: 0; display: flex; flex-direction: column; overflow: hidden; }
.loan-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; z-index: 2;
  background: var(--grad-brand);
  transform: scaleX(0); transform-origin: left;
  transition: transform .5s var(--ease);
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover .icon-tile { background: var(--grad-primary); color: #fff; border-color: transparent; box-shadow: 0 8px 18px rgba(0, 78, 167, .28); }
.loan-card:hover .icon-tile--red { background: linear-gradient(135deg, #DB4A45, var(--secondary)); box-shadow: 0 8px 18px rgba(196, 44, 40, .25); }
.loan-card__media {
  position: relative; overflow: hidden; flex: none;
  height: 168px;
  background: var(--primary-50);
  border-bottom: 1px solid var(--line);
}
.loan-card__media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(175deg, rgba(0, 78, 167, .22), rgba(0, 78, 167, 0) 45%), linear-gradient(0deg, rgba(3, 15, 36, .14), transparent 55%);
  pointer-events: none;
}
.loan-card__media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s var(--ease); }
.loan-card:hover .loan-card__media img { transform: scale(1.07); }
.loan-card__body { display: flex; flex-direction: column; flex: 1; padding: 24px 28px 28px; }
.loan-card h3 { margin-top: 20px; font-size: 1.12rem; letter-spacing: -.01em; }
.loan-card p { flex: 1; margin-top: 10px; font-size: .94rem; color: var(--muted); }
.card-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 20px; font-size: .92rem; font-weight: 700; color: var(--primary); transition: color .2s; }
.card-link .icon { width: 16px; height: 16px; transition: transform .25s var(--ease); }
.card-link:hover { color: var(--secondary); }
.card-link:hover .icon { transform: translateX(4px); }

.loan-cta {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; align-items: flex-start;
  padding: 28px; border-radius: var(--radius-card);
  background:
    radial-gradient(80% 70% at 100% 0%, rgba(79, 142, 224, .5), transparent 60%),
    linear-gradient(160deg, var(--primary-600), var(--navy-900));
  color: var(--on-dark);
  box-shadow: var(--shadow-md);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.loan-cta:hover { transform: translateY(-6px); box-shadow: 0 22px 44px rgba(0, 58, 125, .3); }
.icon-tile--glass { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .18); color: #fff; }
.loan-cta h3 { margin-top: 20px; font-size: 1.12rem; color: #fff; }
.loan-cta p { flex: 1; margin: 10px 0 20px; font-size: .94rem; color: var(--on-dark-muted); }

.support { margin-top: 64px; text-align: center; }
.support-title { font-size: 1.1rem; letter-spacing: -.01em; }
.chip-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 20px; }
.chip {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 10px 18px 10px 12px; border-radius: 999px;
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  font-size: .9rem; font-weight: 600; color: var(--ink);
  transition: transform .25s var(--ease), border-color .25s, box-shadow .25s;
}
.chip:hover { transform: translateY(-2px); border-color: var(--secondary-100); box-shadow: 0 8px 20px rgba(196, 44, 40, .1); }
.chip .icon { width: 30px; height: 30px; padding: 6px; border-radius: 50%; background: var(--secondary-50); color: var(--secondary); }

/* ---------- Partners marquee ---------- */
.partners { background: linear-gradient(180deg, #fff 0%, var(--primary-50) 50%, #fff 100%); }
.marquee-wrap { display: grid; gap: 18px; }
.marquee {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.marquee-track { display: flex; width: max-content; padding-block: 8px; animation: marquee 70s linear infinite; }
.marquee--reverse .marquee-track { animation-direction: reverse; animation-duration: 80s; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-group { display: flex; gap: 16px; padding-right: 16px; }
.partner-chip {
  display: flex; align-items: center; justify-content: center; flex: none;
  width: 172px; height: 84px; padding: 16px 22px; border-radius: 16px;
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: border-color .25s, box-shadow .25s, transform .25s var(--ease);
}
.partner-chip img {
  max-width: 100%; max-height: 100%; width: auto; height: auto; object-fit: contain;
  filter: grayscale(1) opacity(.7);
  transition: filter .3s var(--ease);
}
.partner-chip:hover { border-color: var(--primary-200); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.partner-chip:hover img { filter: grayscale(0) opacity(1); }
@keyframes marquee { to { transform: translateX(-50%); } }
.partners-note { margin-top: 28px; text-align: center; font-size: .78rem; color: var(--muted); }

/* ---------- Dark sections ---------- */
.dark-grid {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, .035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .035) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, #000 20%, transparent 80%);
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, #000 20%, transparent 80%);
}
.why {
  background:
    radial-gradient(800px 420px at 12% 0%, rgba(0, 78, 167, .5), transparent 60%),
    radial-gradient(600px 380px at 100% 100%, rgba(196, 44, 40, .16), transparent 60%),
    var(--navy-900);
}
.why .container, .partner-cta .container { position: relative; }

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.feature {
  position: relative; overflow: hidden;
  padding: 30px; border-radius: var(--radius-card);
  background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .09);
  transition: transform .35s var(--ease), background-color .35s, border-color .35s, box-shadow .35s var(--ease);
}
.feature:hover {
  transform: translateY(-6px);
  background: rgba(255, 255, 255, .07); border-color: rgba(110, 155, 213, .4);
  box-shadow: 0 22px 44px rgba(0, 0, 0, .28), 0 0 40px rgba(0, 78, 167, .2);
}
.feature-num { position: absolute; top: 18px; right: 22px; font-size: 2.6rem; font-weight: 800; line-height: 1; color: rgba(255, 255, 255, .05); font-variant-numeric: tabular-nums; }
.icon-tile--dark { background: rgba(0, 78, 167, .3); border-color: rgba(110, 155, 213, .3); color: #A9C9F2; }
.feature:hover .icon-tile--dark { background: var(--grad-primary); color: #fff; border-color: transparent; box-shadow: 0 8px 22px rgba(0, 78, 167, .45); }
.feature h3 { margin-top: 20px; font-size: 1.12rem; letter-spacing: -.01em; }
.feature p { margin-top: 10px; font-size: .95rem; color: var(--on-dark-muted); }

/* ---------- How it works ---------- */
.steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.steps-line {
  position: absolute; top: 31px; left: 12.5%; right: 12.5%;
  height: 3px; border-radius: 3px; overflow: hidden; background: var(--primary-100);
}
.steps-line span {
  position: absolute; inset: 0; background: var(--grad-brand);
  transform: scaleX(0); transform-origin: left center;
  transition: transform 1.8s var(--ease) .2s;
}
.steps.in-view .steps-line span { transform: scaleX(1); }
.step { position: relative; display: flex; flex-direction: column; text-align: center; }
.step-num {
  position: relative; z-index: 1;
  display: grid; place-items: center;
  width: 64px; height: 64px; margin: 0 auto;
  border-radius: 50%; border: 2px solid var(--primary-100);
  background: #fff; color: var(--primary-300);
  font-size: 1.3rem; font-weight: 800;
  transition: background .5s var(--ease), color .5s, border-color .5s, box-shadow .5s, transform .5s var(--ease);
  transition-delay: calc(var(--i) * .45s + .25s);
}
.steps.in-view .step-num {
  background: var(--grad-primary); color: #fff; border-color: transparent;
  box-shadow: 0 0 0 8px rgba(0, 78, 167, .1), 0 12px 26px rgba(0, 78, 167, .35);
  transform: scale(1.04);
}
.step-body {
  flex: 1;
  margin-top: 24px; padding: 22px 20px;
  border-radius: var(--radius-card); border: 1px solid var(--line); background: #fff; box-shadow: var(--shadow-sm);
  opacity: .55; transform: translateY(10px);
  transition: opacity .6s var(--ease), transform .6s var(--ease), box-shadow .35s, border-color .35s;
  transition-delay: calc(var(--i) * .45s + .35s);
}
.steps.in-view .step-body { opacity: 1; transform: none; }
.step-body:hover { box-shadow: var(--shadow-hover); border-color: var(--primary-200); }
.step h3 { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: 1.05rem; letter-spacing: -.01em; }
.step h3 .icon { width: 20px; height: 20px; color: var(--secondary); }
.step p { margin-top: 8px; font-size: .94rem; color: var(--muted); }

/* ---------- Become a partner ---------- */
.partner-cta {
  background:
    radial-gradient(700px 400px at 85% 10%, rgba(0, 78, 167, .45), transparent 60%),
    radial-gradient(600px 360px at 0% 100%, rgba(196, 44, 40, .18), transparent 60%),
    var(--navy-950);
}
.glow-card {
  position: relative;
  display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center;
  padding: 56px; border-radius: 28px; border: 1.5px solid transparent;
  background:
    linear-gradient(160deg, rgba(10, 37, 82, .96), rgba(6, 24, 58, .98)) padding-box,
    linear-gradient(135deg, #5B9AE8, rgba(91, 154, 232, .15) 40%, rgba(229, 96, 91, .2) 65%, #E5605B) border-box;
  animation: glow 6s ease-in-out infinite alternate;
}
@keyframes glow {
  from { box-shadow: 0 0 50px rgba(0, 78, 167, .3), 0 0 110px rgba(196, 44, 40, .08); }
  to   { box-shadow: 0 0 70px rgba(0, 78, 167, .45), 0 0 140px rgba(196, 44, 40, .16); }
}
.glow-card__text p { margin: 18px 0 30px; font-size: 1.06rem; color: var(--on-dark); }
.benefits { display: grid; gap: 12px; }
.benefits li {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 18px; border-radius: 14px;
  background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1);
  font-weight: 600; color: #fff;
  transition: transform .3s var(--ease), background-color .3s, border-color .3s;
}
.benefits li:hover { transform: translateX(6px); background: rgba(255, 255, 255, .08); border-color: rgba(242, 140, 134, .35); }
.benefit-icon { display: grid; place-items: center; width: 38px; height: 38px; flex: none; border-radius: 10px; background: rgba(196, 44, 40, .2); color: var(--secondary-300); }
.benefit-icon .icon { width: 20px; height: 20px; }

/* ---------- Future goals ---------- */
.goal-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; }
.goal {
  display: flex; flex-direction: column; align-items: center; gap: 14px;
  padding: 24px 18px; border-radius: var(--radius-card);
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  text-align: center;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.goal:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); border-color: var(--primary-200); }
.goal p { font-size: .92rem; font-weight: 700; line-height: 1.4; color: var(--ink); }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 14px; max-width: 820px; margin: 0 auto; }
.faq-item {
  border-radius: 16px; border: 1px solid var(--line); background: #fff;
  transition: border-color .3s, box-shadow .3s, opacity .8s var(--ease), translate .8s var(--ease);
}
.faq-item:hover { border-color: var(--primary-200); }
.faq-item.is-open { border-color: var(--primary-200); box-shadow: var(--shadow-md); }
.faq-h { font-size: inherit; font-weight: inherit; letter-spacing: 0; }
.faq-q {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  width: 100%; padding: 20px 22px; border: 0; background: none; text-align: left;
  font-size: 1.02rem; font-weight: 700; line-height: 1.4; color: var(--ink);
  border-radius: 16px;
}
.faq-q:hover { color: var(--primary); }
.faq-icon {
  position: relative; width: 32px; height: 32px; flex: none;
  border-radius: 50%; background: var(--primary-50);
  transition: transform .4s var(--ease), background-color .3s;
}
.faq-icon::before, .faq-icon::after {
  content: ""; position: absolute; left: 50%; top: 50%;
  width: 12px; height: 2px; border-radius: 2px; background: var(--primary);
  transform: translate(-50%, -50%);
  transition: transform .4s var(--ease), background-color .3s;
}
.faq-icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq-item.is-open .faq-icon { transform: rotate(180deg); background: var(--primary); }
.faq-item.is-open .faq-icon::before, .faq-item.is-open .faq-icon::after { background: #fff; }
.faq-item.is-open .faq-icon::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .4s var(--ease); }
.faq-item.is-open .faq-a { grid-template-rows: 1fr; }
.faq-a > div { min-height: 0; overflow: hidden; }
.faq-a p { padding: 0 22px 20px; color: var(--text); }
.faq-a a { font-weight: 700; color: var(--primary); text-decoration: underline; text-underline-offset: 3px; }
.faq-a a:hover { color: var(--secondary); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: start; }
.contact-list { display: grid; gap: 12px; }
.contact-item {
  display: flex; align-items: center; gap: 16px;
  padding: 16px 18px; border-radius: 16px;
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: border-color .3s, box-shadow .3s;
}
.contact-item:hover { border-color: var(--primary-200); box-shadow: var(--shadow-md); }
.contact-item .icon-tile { width: 46px; height: 46px; border-radius: 12px; }
.contact-item .icon-tile .icon { width: 22px; height: 22px; }
.contact-label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.contact-value { display: block; margin-top: 2px; font-weight: 600; line-height: 1.5; color: var(--ink); }
a.contact-value { transition: color .2s; }
a.contact-value:hover { color: var(--primary); }
.contact-value--break { overflow-wrap: anywhere; }
.map {
  margin-top: 16px; overflow: hidden; aspect-ratio: 16 / 10;
  border-radius: 18px; border: 1px solid var(--line); box-shadow: var(--shadow-sm); background: var(--primary-100);
}
.map iframe { display: block; width: 100%; height: 100%; border: 0; }

.form-card {
  position: relative; overflow: hidden;
  padding: 34px; border-radius: 24px;
  background: #fff; border: 1px solid var(--primary-100); box-shadow: var(--shadow-lg);
}
.form-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--grad-brand); }
.form-head { margin-bottom: 22px; }
.form-head h3 { font-size: 1.35rem; }
.form-head p { margin-top: 6px; font-size: .88rem; color: var(--muted); }
.prefill-note {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 18px; padding: 12px 14px; border-radius: 12px;
  background: var(--primary-50); border: 1px solid var(--primary-100);
  font-size: .88rem; font-weight: 600; color: var(--primary);
  animation: slide-in .5s var(--ease);
}
@keyframes slide-in { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.form-field.full { grid-column: 1 / -1; }
.form-field > label { display: block; margin-bottom: 8px; font-size: .86rem; font-weight: 700; color: var(--ink); }
.req { color: var(--secondary); }
.optional { font-weight: 500; color: var(--muted); }
textarea.input { height: auto; min-height: 112px; padding: 12px 14px; resize: vertical; line-height: 1.5; font-weight: 500; }
.input::placeholder { color: #98A3B8; font-weight: 500; }
.input.is-invalid, .select.is-invalid { border-color: var(--secondary); box-shadow: 0 0 0 4px rgba(196, 44, 40, .08); }
.input-affix { position: relative; }
.affix-text { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); pointer-events: none; }
.input-affix .input { padding-left: 48px; }
.input-affix .affix-text + .input[name="amount"] { padding-left: 34px; }
.field-error { margin-top: 6px; font-size: .8rem; font-weight: 600; color: var(--secondary); }
.field-error:empty { display: none; }

.form-field > .consent { display: flex; margin-bottom: 0; font-weight: 500; }
.consent { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; font-size: .88rem; line-height: 1.55; color: var(--text); }
.consent input {
  -webkit-appearance: none; appearance: none; flex: none;
  width: 20px; height: 20px; margin: 1px 0 0;
  border-radius: 6px; border: 1.5px solid var(--primary-200); background: #fff;
  cursor: pointer; transition: background-color .2s, border-color .2s, box-shadow .2s;
}
.consent input:checked {
  background: var(--primary) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 14px no-repeat;
  border-color: var(--primary);
}
.consent input:focus-visible { outline: none; box-shadow: 0 0 0 4px rgba(0, 78, 167, .2); }
.consent input.is-invalid { border-color: var(--secondary); }

.form-error { margin-top: 16px; padding: 12px 14px; border-radius: 12px; background: var(--secondary-50); color: var(--secondary-600); font-size: .88rem; font-weight: 600; }
.btn-submit { margin-top: 22px; height: 54px; }
.spinner { display: none; width: 18px; height: 18px; border-radius: 50%; border: 2.5px solid rgba(255, 255, 255, .4); border-top-color: #fff; animation: spin .8s linear infinite; }
.btn-submit.is-loading { pointer-events: none; opacity: .9; }
.btn-submit.is-loading .spinner { display: block; }
.btn-submit.is-loading .icon { display: none; }
@keyframes spin { to { transform: rotate(360deg); } }

.form-success {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  min-height: 520px; padding: 24px; text-align: center;
  animation: success-in .6s var(--ease);
}
.form-success:focus { outline: none; }
.form-success h3 { margin-top: 22px; font-size: 1.6rem; }
.form-success p { max-width: 360px; margin: 10px 0 26px; color: var(--muted); }
.success-check { width: 88px; height: 88px; }
.success-check circle { fill: var(--primary-50); stroke: var(--primary); stroke-width: 3; stroke-dasharray: 183; stroke-dashoffset: 183; animation: draw-stroke .8s var(--ease) .1s forwards; }
.success-check path { fill: none; stroke: var(--primary); stroke-width: 4; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 40; stroke-dashoffset: 40; animation: draw-stroke .5s var(--ease) .75s forwards; }
@keyframes draw-stroke { to { stroke-dashoffset: 0; } }
@keyframes success-in { from { opacity: 0; transform: scale(.96) translateY(10px); } to { opacity: 1; transform: none; } }

/* ---------- Careers page ---------- */
.careers-hero {
  position: relative; overflow: hidden; text-align: center;
  padding: calc(var(--nav-h) + 64px) 0 72px;
  background: linear-gradient(180deg, #F3F7FD 0%, #EAF1FA 60%, #FFFFFF 100%);
}
.careers-hero__inner { position: relative; max-width: 720px; margin-inline: auto; }
.careers-hero h1 { margin-top: 22px; font-size: clamp(2.1rem, 4.2vw, 3.1rem); line-height: 1.12; letter-spacing: -.03em; }
.careers-hero p { margin-top: 20px; font-size: 1.1rem; color: var(--text); }
.careers-hero .hero-actions { justify-content: center; }

.openings-note {
  display: flex; align-items: flex-start; gap: 20px;
  max-width: 760px; margin-inline: auto; padding: 28px;
  border-radius: var(--radius-card); border: 1px solid var(--primary-100);
  background: var(--primary-50);
}
.openings-note h3 { font-size: 1.1rem; }
.openings-note p { margin-top: 8px; font-size: .96rem; color: var(--text); }

.apply-wrap { max-width: 680px; margin-inline: auto; }
.apply-wrap .prefill-note { display: block; }

/* ---------- Footer ---------- */
.site-footer {
  position: relative; overflow: hidden;
  padding-top: 80px;
  background:
    radial-gradient(700px 300px at 10% 0%, rgba(0, 78, 167, .28), transparent 60%),
    var(--navy-950);
  color: var(--on-dark-muted);
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 40px; }
.footer-brand img { height: 46px; width: auto; }
.footer-brand p { max-width: 300px; margin-top: 18px; font-size: .95rem; }
.site-footer h4 { margin-bottom: 18px; font-size: .95rem; font-weight: 700; letter-spacing: 0; color: #fff; }
.footer-links { display: grid; gap: 10px; }
.footer-links a { display: inline-block; font-size: .93rem; transition: color .2s, transform .25s var(--ease); }
.footer-links a:hover { color: #fff; transform: translateX(4px); }
.footer-contact { display: grid; gap: 14px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 12px; font-size: .93rem; line-height: 1.55; }
.footer-contact .icon { width: 18px; height: 18px; margin-top: 3px; color: var(--secondary-300); }
.footer-contact a { transition: color .2s; }
.footer-contact a:hover { color: #fff; }
.social { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.social a {
  display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .09); color: var(--on-dark);
  transition: background-color .25s, color .25s, transform .25s var(--ease), border-color .25s;
}
.social a .icon { width: 18px; height: 18px; }
.social a:hover { background: var(--primary); border-color: var(--primary); color: #fff; transform: translateY(-3px); }
.footer-bottom { display: grid; gap: 16px; margin-top: 56px; padding: 28px 0 36px; border-top: 1px solid rgba(255, 255, 255, .08); font-size: .86rem; }
.footer-bottom__row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; }
.sep { margin: 0 6px; opacity: .4; }
.legal-links { display: flex; gap: 20px; }
.legal-links a { transition: color .2s; }
.legal-links a:hover { color: #fff; }
.disclaimer { max-width: 980px; font-size: .78rem; line-height: 1.65; color: #8394B2; }

/* ---------- Floating actions ---------- */
.fab-call {
  position: fixed; right: 20px; bottom: 20px; z-index: 90;
  display: inline-flex; align-items: center; gap: 10px;
  height: 54px; padding: 0 22px 0 18px; border-radius: 999px;
  background: linear-gradient(135deg, #D8433E, var(--secondary) 55%, var(--secondary-600));
  color: #fff; font-weight: 700;
  box-shadow: 0 10px 26px rgba(196, 44, 40, .38);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}
.fab-call::before {
  content: ""; position: absolute; inset: 0; border-radius: inherit;
  border: 2px solid var(--secondary); opacity: 0;
  animation: ring 2.8s ease-out infinite;
}
@keyframes ring { 0% { transform: scale(1); opacity: .55; } 100% { transform: scale(1.35); opacity: 0; } }
.fab-call:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(196, 44, 40, .45); }
.fab-call .icon { width: 20px; height: 20px; }

.back-to-top {
  position: fixed; right: 24px; bottom: 88px; z-index: 90;
  display: grid; place-items: center; width: 46px; height: 46px;
  border-radius: 50%; border: 1px solid var(--primary-100);
  background: #fff; color: var(--primary); box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: opacity .3s, transform .3s var(--ease), visibility 0s linear .3s, box-shadow .3s, background-color .3s, color .3s;
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: none; transition-delay: 0s; }
.back-to-top:hover { background: var(--primary); color: #fff; box-shadow: var(--shadow-glow, 0 10px 24px rgba(0, 78, 167, .35)); transform: translateY(-3px); }
.back-to-top .icon { width: 20px; height: 20px; }

/* ---------- Scroll reveal ----------
   Uses the individual `translate` property so it never fights with the
   `transform` used by hover lifts. */
.js .reveal {
  opacity: 0; translate: 0 28px;
  transition:
    opacity .8s var(--ease) calc(var(--d, 0) * 90ms),
    translate .8s var(--ease) calc(var(--d, 0) * 90ms),
    transform .35s var(--ease), box-shadow .35s var(--ease),
    border-color .35s, background-color .35s;
}
.js .reveal.is-visible { opacity: 1; translate: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .loan-grid { grid-template-columns: repeat(2, 1fr); }
  .goal-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1024px) {
  .hero { padding-top: calc(var(--nav-h) + 32px); }
  .hero-grid { grid-template-columns: 1fr; grid-template-areas: "head" "calc" "body"; row-gap: 28px; }
  .hero-calc { width: 100%; max-width: 640px; }
  .hero-sub { margin-top: 0; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; }
  .glow-card { grid-template-columns: 1fr; gap: 32px; padding: 44px; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3)::before { display: none; }
  .stat:nth-child(n + 3) { border-top: 1px solid var(--line); }
  .pillars { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  .steps { grid-template-columns: 1fr; gap: 20px; }
  .steps-line { top: 32px; bottom: 32px; left: 30.5px; right: auto; width: 3px; height: auto; }
  .steps-line span { transform: scaleY(0); transform-origin: center top; }
  .steps.in-view .steps-line span { transform: scaleY(1); }
  .step { display: grid; grid-template-columns: 64px 1fr; gap: 18px; align-items: start; text-align: left; }
  .step-num { margin: 0; }
  .step-body { margin-top: 0; }
  .step h3 { justify-content: flex-start; }
}

@media (max-width: 768px) {
  :root { --gutter: 16px; --nav-h: 68px; }
  .section { padding-block: 64px; }
  .section--compact { padding-block: 56px; }
  .section-head { margin-bottom: 40px; }
  .hero { padding-bottom: 40px; }
  .hero-chart { opacity: .4; height: 60%; }
  .orb-1 { width: 300px; height: 300px; }
  .stats { margin-top: 44px; }
  .stat { padding: 20px 16px; gap: 12px; }
  .stat-icon { width: 42px; height: 42px; border-radius: 12px; }
  .stat-icon .icon { width: 20px; height: 20px; }
  .stat-value { font-size: 1.35rem; }
  .stat-label { font-size: .78rem; }
  .pillars { margin-top: 56px; }
  .form-card { padding: 26px 20px; }
  .form-grid { grid-template-columns: 1fr; }
  .glow-card { padding: 32px 22px; border-radius: 22px; }
  .careers-hero { padding: calc(var(--nav-h) + 40px) 0 48px; }
  .openings-note { flex-direction: column; align-items: center; text-align: center; padding: 22px; }
  .partner-chip { width: 136px; height: 68px; padding: 12px 16px; }
}

@media (max-width: 640px) {
  .loan-grid, .feature-grid { grid-template-columns: 1fr; }
  .goal-grid { grid-template-columns: repeat(2, 1fr); }
  .goal:last-child { grid-column: 1 / -1; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-panel { grid-template-columns: 1fr; padding: 20px; border-radius: 22px; }
  .hero-actions .btn { flex: 1 1 100%; }
  .fab-call { width: 56px; height: 56px; padding: 0; justify-content: center; right: 16px; bottom: 16px; }
  .fab-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .back-to-top { right: 21px; bottom: 84px; }
}

@media (max-width: 440px) {
  .calc { padding: 20px 16px; border-radius: 20px; }
  .calc-split { grid-template-columns: 1fr; justify-items: center; }
  .summary { width: 100%; }
  .num-box input { width: 104px; }
  .num-box--sm input { width: 42px; }
  .stats { grid-template-columns: 1fr; }
  .stat + .stat::before { display: none; }
  .stat:nth-child(n + 2) { border-top: 1px solid var(--line); }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    transition-delay: 0s !important;
  }
  .js .reveal { opacity: 1; translate: none; }
  .orb, .floater, .pulse-dot::after, .fab-call::before, .glow-card { animation: none !important; }
  .floater { display: none; }
  .chart-line { animation: none !important; stroke-dashoffset: 0; opacity: 1; }
  .chart-area { animation: none !important; opacity: 1; }
  .marquee { -webkit-mask-image: none; mask-image: none; }
  .marquee-track { animation: none !important; width: auto; justify-content: center; }
  .marquee-group { flex-wrap: wrap; justify-content: center; padding-inline: var(--gutter); }
  .marquee-group[aria-hidden="true"], .marquee--reverse { display: none; }
}