/* ============================================================
   SmartLoanTransfer — stylesheet
   Navy / gold / cream financial theme
   ============================================================ */

:root {
  --navy: #1b2c4e;
  --navy-2: #16243f;
  --navy-light: #2d4a7a;
  --gold: #c9a84c;
  --gold-soft: rgba(201, 168, 76, 0.12);
  --cream: #f8f6f1;
  --cream-dark: #e5e0d8;
  --ink: #1a1a1a;
  --muted: #6b6b6b;
  --muted-light: #8a8a8a;
  --border: #e5e0d8;
  --white: #ffffff;
  --serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --sans: 'Manrope', system-ui, -apple-system, sans-serif;
  --container: 1200px;
  --radius: 18px;
  --shadow-sm: 0 1px 3px rgba(27, 44, 78, 0.06);
  --shadow-md: 0 18px 40px -24px rgba(27, 44, 78, 0.30);
  --shadow-lg: 0 40px 80px -40px rgba(27, 44, 78, 0.45);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.08; color: var(--navy); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.serif { font-family: var(--serif); }
.italic { font-style: italic; }
.gold { color: var(--gold); }

.eyebrow {
  font-family: var(--sans); font-size: 12px; font-weight: 700; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold); display: inline-block; margin-bottom: 18px;
}
.section { padding: 110px 0; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 64px; }
.section-head h2 { font-size: clamp(34px, 5vw, 54px); }
.section-head p { color: var(--muted); font-size: 18px; margin-top: 18px; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px; font-family: var(--sans);
  font-weight: 700; font-size: 15px; padding: 15px 28px; border-radius: 999px;
  transition: all .25s ease; white-space: nowrap;
}
.btn svg { width: 17px; height: 17px; }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: #b8983f; transform: translateY(-2px); box-shadow: 0 12px 28px -12px rgba(201,168,76,.7); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); transform: translateY(-2px); }
.btn-outline { border: 1.5px solid var(--cream-dark); color: var(--navy); }
.btn-outline:hover { border-color: var(--navy); }
.btn-ghost-light { border: 1.5px solid rgba(255,255,255,.3); color: #fff; }
.btn-ghost-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }

/* ============================================================ HEADER */
.site-header {
  position: sticky; top: 0; z-index: 100; background: rgba(248, 246, 241, 0.85);
  backdrop-filter: blur(14px); border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.brand { display: flex; align-items: center; gap: 11px; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px; border: 1px solid var(--cream-dark);
  background: var(--white); display: grid; place-items: center; color: var(--gold);
}
.brand-mark svg { width: 20px; height: 20px; }
.brand-name { font-family: var(--serif); font-weight: 600; font-size: 20px; color: var(--navy); }
.brand-name b { color: var(--gold); font-weight: 600; }
.nav-links { display: flex; align-items: center; gap: 36px; }
.nav-links a { font-size: 15px; font-weight: 600; color: var(--navy); transition: color .2s; }
.nav-links a:hover { color: var(--gold); }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-toggle { display: none; width: 42px; height: 42px; border-radius: 10px; border: 1px solid var(--border); }
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--navy); margin: 4px auto; transition: .3s; }

/* dark header variant (over image heroes) */
.site-header.on-dark { background: transparent; border-bottom-color: rgba(255,255,255,.12); position: absolute; left: 0; right: 0; }
.site-header.on-dark .brand-mark { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); }
.site-header.on-dark .brand-name { color: #fff; }
.site-header.on-dark .nav-links a { color: rgba(255,255,255,.85); }
.site-header.on-dark .nav-links a:hover { color: var(--gold); }
.site-header.on-dark .nav-toggle { border-color: rgba(255,255,255,.3); }
.site-header.on-dark .nav-toggle span { background: #fff; }

/* ============================================================ HERO */
.hero {
  position: relative; color: #fff; overflow: hidden;
  background:
    linear-gradient(120deg, rgba(22,36,63,.96) 0%, rgba(22,36,63,.74) 42%, rgba(45,74,122,.55) 100%),
    radial-gradient(110% 120% at 88% 12%, rgba(201,168,76,.35), transparent 55%),
    repeating-linear-gradient(115deg, #1c3052 0 38px, #20375e 38px 76px),
    linear-gradient(160deg, #16243f, #25406e);
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  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: 54px 54px; mask-image: radial-gradient(85% 85% at 50% 30%, #000, transparent);
}
.hero-inner { position: relative; z-index: 2; padding: 150px 0 90px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 9px; font-size: 12.5px; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase; color: var(--gold);
  border: 1px solid rgba(201,168,76,.4); padding: 9px 18px; border-radius: 999px; margin-bottom: 30px;
}
.hero-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(201,168,76,.25); }
.hero h1 { color: #fff; font-size: clamp(48px, 8vw, 92px); font-weight: 600; letter-spacing: -.01em; }
.hero h1 .em { color: var(--gold); font-style: italic; }
.hero p { max-width: 560px; font-size: 19px; color: rgba(255,255,255,.82); margin: 28px 0 38px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; }
.hero-stats {
  position: relative; z-index: 2; display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 28px; padding: 44px 0 0; margin-top: 56px; border-top: 1px solid rgba(255,255,255,.14);
}
.hero-stats .stat .num { font-family: var(--serif); font-size: 42px; font-weight: 600; color: #fff; }
.hero-stats .stat .lbl { font-size: 13px; color: rgba(255,255,255,.62); letter-spacing: .04em; margin-top: 4px; }

/* ============================================================ PARTNERS strip */
.partners { padding: 46px 0; background: var(--cream); border-bottom: 1px solid var(--border); }
.partners .label { text-align: center; font-size: 12px; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--muted-light); margin-bottom: 26px; }
.partners-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 22px 54px; }
.partners-row span { font-family: var(--serif); font-size: 18px; font-weight: 600; color: var(--navy); opacity: .55; letter-spacing: .02em; transition: opacity .2s; }
.partners-row span:hover { opacity: 1; }

/* ============================================================ NUMBERS */
.numbers { background: var(--cream); position: relative; }
.numbers::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(27,44,78,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(27,44,78,.04) 1px, transparent 1px);
  background-size: 46px 46px; mask-image: radial-gradient(70% 70% at 50% 40%, #000, transparent);
}
.numbers .container { position: relative; }
.numbers-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.num-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 38px 30px; text-align: center; box-shadow: var(--shadow-sm); }
.num-card .big { font-family: var(--serif); font-size: 52px; font-weight: 600; color: var(--navy); line-height: 1; }
.num-card .big .unit { color: var(--gold); }
.num-card .t { font-weight: 700; margin-top: 14px; color: var(--ink); }
.num-card .s { font-size: 14px; color: var(--muted); margin-top: 4px; }

/* ============================================================ PRODUCTS */
.products { background: var(--cream); }
.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.product-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px; display: flex; flex-direction: column; transition: transform .3s, box-shadow .3s, border-color .3s;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: rgba(201,168,76,.5); }
.product-top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 22px; }
.product-icon { width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft); display: grid; place-items: center; color: var(--gold); }
.product-icon svg { width: 22px; height: 22px; }
.product-badge { font-size: 11px; font-weight: 700; letter-spacing: .1em; color: var(--gold); border: 1px solid rgba(201,168,76,.4); padding: 5px 10px; border-radius: 999px; }
.product-card h3 { font-size: 22px; }
.product-range { color: var(--gold); font-weight: 700; font-size: 15px; margin: 6px 0 14px; }
.product-card .desc { color: var(--muted); font-size: 14.5px; }
.product-features { list-style: none; margin: 18px 0; display: flex; flex-direction: column; gap: 9px; }
.product-features li { display: flex; align-items: center; gap: 9px; font-size: 14px; color: var(--ink); }
.product-features li::before {
  content: ""; width: 16px; height: 16px; flex: none; border-radius: 50%;
  background: var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c9a84c' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/10px no-repeat;
}
.product-term { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--border); font-size: 13px; color: var(--muted); }
.product-term b { color: var(--navy); }
.products .center-cta { text-align: center; margin-top: 50px; }
/* featured (navy) product card */
.product-card.featured { background: var(--navy); border-color: var(--navy); }
.product-card.featured h3 { color: #fff; }
.product-card.featured .desc { color: rgba(255,255,255,.72); }
.product-card.featured .product-features li { color: rgba(255,255,255,.92); }
.product-card.featured .product-icon { background: rgba(201,168,76,.18); }
.product-card.featured .product-term { border-top-color: rgba(255,255,255,.15); color: rgba(255,255,255,.6); }
.product-card.featured .product-term b { color: #fff; }
.product-card.featured:hover { border-color: var(--gold); }

/* ============================================================ PROCESS (navy) */
.process { background: var(--navy); color: #fff; }
.process h2 { color: #fff; }
.process .section-head p { color: rgba(255,255,255,.7); }
.process h2 .em { color: var(--gold); font-style: italic; }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-card { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 30px 26px; }
.step-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.step-num { font-family: var(--serif); font-size: 46px; font-weight: 600; color: rgba(201,168,76,.85); line-height: 1; }
.step-ic { width: 42px; height: 42px; border-radius: 11px; background: var(--gold-soft); display: grid; place-items: center; color: var(--gold); }
.step-ic svg { width: 20px; height: 20px; }
.step-card h3 { color: #fff; font-size: 19px; margin-bottom: 12px; }
.step-card .desc { color: rgba(255,255,255,.72); font-size: 14.5px; }
.step-card .note { margin-top: 14px; font-size: 13.5px; color: var(--gold); }
.process-banner { margin-top: 50px; border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 30px 36px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; background: rgba(255,255,255,.03); }
.process-banner .pb-left { display: flex; align-items: center; gap: 20px; }
.process-banner .pb-ic { width: 54px; height: 54px; border-radius: 50%; background: var(--gold); display: grid; place-items: center; color: var(--navy); flex: none; }
.process-banner h3 { color: #fff; font-size: 22px; }
.process-banner p { color: rgba(255,255,255,.65); font-size: 14px; }

/* ============================================================ SIMULATOR */
.simulator { background: var(--cream); }
.sim-card { max-width: 940px; margin: 0 auto; background: var(--white); border: 1px solid var(--border); border-radius: 26px; box-shadow: var(--shadow-md); display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; }
.sim-left { padding: 44px; border-right: 1px solid var(--border); }
.sim-right { padding: 44px; background: linear-gradient(180deg, #fbfaf7, #f5f2ec); }
.sim-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 12px; }
.sim-row .lbl { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.sim-row .val { font-family: var(--serif); font-size: 24px; font-weight: 600; color: var(--navy); }
.sim-field { margin-bottom: 34px; }
.sim-scale { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted-light); margin-top: 8px; }
.sim-rate { display: flex; align-items: center; gap: 14px; border: 1px solid rgba(201,168,76,.4); background: var(--gold-soft); border-radius: 14px; padding: 16px 18px; }
.sim-rate .pct { width: 42px; height: 42px; border-radius: 50%; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-weight: 800; font-size: 14px; flex: none; }
.sim-rate b { color: var(--navy); font-size: 14px; }
.sim-rate span { display: block; font-size: 12.5px; color: var(--muted); }
.sim-right .cap { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.sim-pay { font-family: var(--serif); font-weight: 600; color: var(--navy); font-size: 64px; line-height: 1; margin: 8px 0 2px; }
.sim-pay .cur { color: var(--gold); }
.sim-per { color: var(--muted); margin-bottom: 26px; }
.sim-line { display: flex; justify-content: space-between; padding: 14px 0; border-top: 1px solid var(--border); font-size: 15px; }
.sim-line span:first-child { color: var(--muted); }
.sim-line span:last-child { font-weight: 700; color: var(--navy); }
.sim-line.interest span:last-child { color: var(--gold); }
.sim-bar-head { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); margin: 22px 0 8px; }
.sim-bar { height: 10px; border-radius: 999px; background: var(--gold); overflow: hidden; }
.sim-bar > i { display: block; height: 100%; background: var(--navy); border-radius: 999px; }
.sim-card .btn { width: 100%; justify-content: center; margin-top: 24px; }
.sim-disc { font-size: 12px; color: var(--muted-light); text-align: center; margin-top: 16px; }

input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 4px; border-radius: 999px; background: var(--cream-dark); outline: none; cursor: pointer; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); border: 3px solid #fff; box-shadow: 0 2px 8px rgba(201,168,76,.5); }
input[type=range]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--gold); border: 3px solid #fff; box-shadow: 0 2px 8px rgba(201,168,76,.5); }

/* ============================================================ TEAM (home: 4-col) */
.team { background: var(--cream); }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.member { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: transform .3s, box-shadow .3s; }
.member:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.member .avatar { aspect-ratio: 1/1; display: grid; place-items: center; background: linear-gradient(150deg, var(--navy), var(--navy-light)); color: var(--gold); font-family: var(--serif); font-size: 46px; font-weight: 600; letter-spacing: .02em; }
.member .body { padding: 22px; }
.member .name { font-family: var(--serif); font-size: 19px; font-weight: 600; color: var(--navy); }
.member .role { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin: 7px 0 12px; }
.member .desc { font-size: 13.5px; color: var(--muted); }

/* about team: 2-col horizontal cards */
.team-list { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.member-h { display: flex; gap: 20px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; transition: transform .3s, box-shadow .3s; }
.member-h:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.member-h .av { width: 70px; height: 70px; border-radius: 50%; flex: none; display: grid; place-items: center; background: linear-gradient(150deg, var(--navy), var(--navy-light)); color: var(--gold); font-family: var(--serif); font-size: 24px; font-weight: 600; }
.member-h .name { font-family: var(--serif); font-size: 19px; font-weight: 600; color: var(--navy); }
.member-h .role { font-size: 11.5px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin: 5px 0 11px; }
.member-h .desc { font-size: 13.5px; color: var(--muted); }

/* ============================================================ FAQ / accordion */
.faq { background: var(--cream); }
.faq-list { max-width: 860px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; transition: border-color .2s; }
.faq-item.open { border-color: rgba(201,168,76,.5); }
.faq-q { width: 100%; display: flex; align-items: center; gap: 16px; padding: 22px 24px; text-align: left; }
.faq-q .n { font-family: var(--serif); font-weight: 600; color: var(--gold); font-size: 16px; flex: none; }
.faq-q .txt { font-weight: 600; color: var(--navy); font-size: 17px; flex: 1; }
.faq-q .ic { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--cream); display: grid; place-items: center; color: var(--navy); transition: .3s; font-size: 18px; }
.faq-item.open .faq-q .ic { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a p { padding: 0 24px 24px 24px; color: var(--muted); font-size: 15px; }
.faq-a.indent p { padding-left: 56px; }

/* ============================================================ CTA */
.cta {
  position: relative; color: #fff; overflow: hidden;
  background:
    linear-gradient(115deg, rgba(22,36,63,.96), rgba(27,44,78,.82)),
    radial-gradient(120% 120% at 82% 8%, rgba(201,168,76,.34), transparent 52%),
    repeating-linear-gradient(120deg, #1c3052 0 40px, #20375e 40px 80px),
    linear-gradient(160deg, #16243f, #2d4a7a);
}
.cta-inner { position: relative; z-index: 2; padding: 96px 0; max-width: 640px; }
.cta h2 { color: #fff; font-size: clamp(38px, 6vw, 60px); }
.cta h2 .em { color: var(--gold); font-style: italic; }
.cta p { color: rgba(255,255,255,.8); font-size: 18px; margin: 24px 0 34px; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; }
.cta-actions .link { color: #fff; font-weight: 700; font-size: 15px; display: inline-flex; align-items: center; gap: 8px; }
.cta-actions .link:hover { color: var(--gold); }
.cta.center .cta-inner { max-width: 720px; margin: 0 auto; text-align: center; }
.cta.center .cta-actions { justify-content: center; }

/* ============================================================ FOOTER */
.site-footer { background: var(--navy); color: #fff; padding: 70px 0 34px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { color: rgba(255,255,255,.6); font-size: 14px; margin-top: 18px; max-width: 280px; }
.footer-col h4 { font-family: var(--sans); font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; font-weight: 700; }
.footer-col a { display: block; color: rgba(255,255,255,.7); font-size: 14.5px; margin-bottom: 11px; transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { margin-top: 54px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; }
.footer-bottom p { color: rgba(255,255,255,.55); font-size: 14px; }
.footer-bottom .links { display: flex; gap: 26px; }
.footer-bottom .links a { color: rgba(255,255,255,.65); font-size: 14px; }
.footer-bottom .links a:hover { color: var(--gold); }

/* ============================================================ PAGE HERO (about/app) */
.page-hero {
  color: #fff; text-align: center; padding: 150px 0 90px; position: relative; overflow: hidden;
  background:
    linear-gradient(120deg, rgba(22,36,63,.95), rgba(27,44,78,.78)),
    radial-gradient(100% 130% at 70% 0%, rgba(201,168,76,.30), transparent 55%),
    repeating-linear-gradient(118deg, #1c3052 0 42px, #21386040 42px 84px),
    linear-gradient(160deg, #16243f, #25406e);
}
.page-hero::after {
  content: ""; position: absolute; inset: 0;
  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: 54px 54px; mask-image: radial-gradient(85% 90% at 50% 20%, #000, transparent);
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { color: #fff; font-size: clamp(40px, 6.5vw, 72px); }
.page-hero h1 .em { color: var(--gold); font-style: italic; }
.page-hero p { color: rgba(255,255,255,.8); max-width: 660px; margin: 22px auto 0; font-size: 18px; }
.page-hero.compact { padding: 130px 0 70px; }

/* ---------- about: mission ---------- */
.mission-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.mission-text h2 { font-size: clamp(32px, 4.5vw, 48px); }
.mission-text p { color: var(--muted); font-size: 16.5px; margin-top: 20px; }
.mission-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.mini-stat { background: var(--navy); border-radius: var(--radius); padding: 28px; color: #fff; }
.mini-stat .v { font-family: var(--serif); font-size: 36px; font-weight: 600; color: var(--gold); }
.mini-stat .t { font-weight: 700; margin-top: 6px; color: #fff; }
.mini-stat .s { font-size: 13px; color: rgba(255,255,255,.6); }

.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 70px; }
.value-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px 28px; }
.value-card .vi { width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft); display: grid; place-items: center; color: var(--gold); margin-bottom: 20px; }
.value-card .vi svg { width: 22px; height: 22px; }
.value-card h3 { font-size: 21px; margin-bottom: 12px; }
.value-card p { color: var(--muted); font-size: 14.5px; }

/* ---------- about: performance ---------- */
.perf-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.perf-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; }
.perf-card .pl { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.perf-row { margin-bottom: 16px; }
.perf-row .big { font-family: var(--serif); font-size: 28px; font-weight: 600; color: var(--navy); }
.perf-row .big.gold { color: var(--gold); }
.perf-row .lab { font-size: 13px; color: var(--muted); }

/* ---------- about: countries (navy box) ---------- */
.countries { background: var(--cream); }
.countries-box {
  background: var(--navy); border-radius: 30px; padding: 56px; color: #fff;
  display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; overflow: hidden;
}
.countries-box h2 { color: #fff; font-size: clamp(30px, 4vw, 44px); }
.countries-box h2 .em { color: var(--gold); font-style: italic; }
.countries-box .lead { color: rgba(255,255,255,.7); margin: 18px 0 28px; font-size: 15.5px; max-width: 460px; }
.countries-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.country-chip { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 10px; padding: 9px 15px; font-weight: 600; font-size: 13.5px; transition: .2s; }
.country-chip:hover { background: var(--gold-soft); border-color: rgba(201,168,76,.5); }
.country-chip.more { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.globe { justify-self: center; width: 230px; height: 230px; position: relative; display: grid; place-items: center; }
.globe svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.globe .gc { font-family: var(--serif); font-size: 40px; font-weight: 600; color: var(--gold); position: relative; }

/* ---------- about: institutional partners ---------- */
.institutions { background: var(--cream); }
.inst-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.inst-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; }
.inst-top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 16px; }
.inst-logo { width: 48px; height: 48px; border-radius: 12px; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-family: var(--serif); font-weight: 600; font-size: 18px; }
.inst-country { font-size: 12px; color: var(--muted-light); font-weight: 600; }
.inst-card h3 { font-size: 19px; }
.inst-role { font-size: 11.5px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin: 6px 0 12px; }
.inst-card p { font-size: 14px; color: var(--muted); }
/* trust badges */
.badges { margin-top: 36px; background: var(--navy); border-radius: var(--radius); padding: 32px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.badge { display: flex; align-items: center; gap: 14px; }
.badge .bi { width: 44px; height: 44px; border-radius: 50%; background: var(--gold-soft); color: var(--gold); display: grid; place-items: center; flex: none; }
.badge .bi svg { width: 22px; height: 22px; }
.badge b { color: #fff; font-size: 14.5px; display: block; }
.badge span { color: rgba(255,255,255,.6); font-size: 12.5px; }

/* ---------- about: terms ---------- */
.terms { background: var(--cream); }
.terms-note { max-width: 860px; margin: 30px auto 0; text-align: center; font-size: 13.5px; color: var(--muted); }
.terms-note a { color: var(--gold); font-weight: 600; }

/* ============================================================ LOAN APPLICATION */
.application { background: var(--cream); padding: 70px 0 110px; }
.app-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 36px; align-items: start; }
.app-card { background: var(--white); border: 1px solid var(--border); border-radius: 24px; box-shadow: var(--shadow-sm); padding: 40px; }

.stepper { display: flex; align-items: center; margin-bottom: 38px; }
.stepper .stp { display: flex; align-items: center; flex: 1; }
.stepper .stp:last-child { flex: none; }
.stp .bub { width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; font-weight: 700; font-size: 14px; background: var(--cream); color: var(--muted); border: 1px solid var(--border); flex: none; transition: .3s; }
.stp .nm { font-size: 13px; font-weight: 600; color: var(--muted); margin-left: 10px; white-space: nowrap; }
.stp .ln { flex: 1; height: 2px; background: var(--border); margin: 0 12px; }
.stp.active .bub { background: var(--navy); color: #fff; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(27,44,78,.12); }
.stp.done .bub { background: var(--navy); color: #fff; border-color: var(--navy); }
.stp.active .nm, .stp.done .nm { color: var(--navy); }

.app-step { display: none; }
.app-step.active { display: block; animation: fade .35s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.app-step h3 { font-size: 26px; margin-bottom: 6px; }
.app-step .sub { color: var(--muted); margin-bottom: 28px; }

.field { margin-bottom: 22px; }
.field label { display: block; font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 9px; letter-spacing: .02em; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=number], .field select {
  width: 100%; padding: 15px 18px; border: 1px solid var(--border); border-radius: 14px; font-family: inherit;
  font-size: 15px; color: var(--ink); background: var(--cream); transition: border-color .2s, box-shadow .2s;
}
.field input::placeholder { color: var(--muted-light); }
.field input:focus, .field select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.18); background: #fff; }
.field-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

.elig-box { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 24px; margin: 8px 0 28px; }
.elig-box h4 { display: flex; align-items: center; gap: 9px; font-family: var(--sans); font-size: 13px; letter-spacing: .04em; text-transform: uppercase; color: var(--navy); margin-bottom: 16px; }
.elig-box h4 svg { width: 16px; height: 16px; color: var(--gold); }
.elig-box ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.elig-box li { display: flex; align-items: center; gap: 10px; font-size: 14.5px; color: var(--ink); }
.elig-box li::before {
  content: ""; width: 18px; height: 18px; flex: none; border-radius: 50%;
  background: var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c9a84c' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/11px no-repeat;
}

.doc-upload { border: 1.5px dashed var(--cream-dark); border-radius: 14px; padding: 26px; text-align: center; margin-bottom: 18px; transition: .2s; cursor: pointer; display: block; }
.doc-upload:hover { border-color: var(--gold); background: #fbfaf7; }
.doc-upload .di { width: 44px; height: 44px; border-radius: 12px; background: var(--gold-soft); color: var(--gold); display: grid; place-items: center; margin: 0 auto 12px; }
.doc-upload .dt { font-weight: 700; color: var(--navy); }
.doc-upload .ds { font-size: 13px; color: var(--muted); margin-top: 4px; }
.doc-upload input { display: none; }

.review-list { display: flex; flex-direction: column; gap: 2px; }
.review-list .rrow { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--border); font-size: 14.5px; }
.review-list .rrow span:first-child { color: var(--muted); }
.review-list .rrow span:last-child { font-weight: 600; color: var(--navy); text-align: right; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin: 24px 0; font-size: 14px; color: var(--muted); }
.consent input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--gold); flex: none; }

.app-nav { display: flex; justify-content: space-between; margin-top: 34px; gap: 14px; }
.app-success { text-align: center; padding: 20px 0; }
.app-success .check { width: 76px; height: 76px; border-radius: 50%; background: var(--gold); color: var(--navy); display: grid; place-items: center; margin: 0 auto 22px; }
.app-success h3 { font-size: 30px; }
.app-success p { color: var(--muted); max-width: 420px; margin: 12px auto 0; }

/* sidebar estimate — NAVY card */
.app-side { position: sticky; top: 100px; background: var(--navy); border-radius: 24px 24px 44px 44px; box-shadow: var(--shadow-md); padding: 34px; color: #fff; }
.app-side h4 { font-family: var(--serif); font-size: 22px; margin-bottom: 24px; color: #fff; }
.app-side .sim-row .lbl { color: rgba(255,255,255,.6); }
.app-side .sim-row .val { color: var(--gold); }
.app-side input[type=range] { background: rgba(255,255,255,.18); }
.app-side .sim-scale { color: rgba(255,255,255,.5); }
.app-side .cap { color: rgba(255,255,255,.6) !important; text-align: center; }
.app-side .sim-pay { color: #fff; font-size: 48px; text-align: center; margin-top: 6px; }
.app-side .sim-pay .cur { color: var(--gold); }
.app-side .sim-field { margin-bottom: 26px; }
.app-side .sim-line { border-top-color: rgba(255,255,255,.12); }
.app-side .sim-line span:first-child { color: rgba(255,255,255,.7); }
.app-side .sim-line span:last-child { color: #fff; }
.app-side .sim-line.interest span:last-child { color: var(--gold); }
.app-side .sim-line.total { border-top: 1px solid rgba(255,255,255,.25); margin-top: 2px; }
.app-side .sim-line.total span:last-child { font-weight: 800; }
.app-side .sim-bar-head { color: rgba(255,255,255,.6); }
.app-side .sim-bar { background: var(--gold); }
.app-side .sim-bar > i { background: rgba(255,255,255,.85); }
.app-side .note { font-size: 12.5px; color: rgba(255,255,255,.5); text-align: center; margin-top: 18px; }

/* ============================================================ REVEAL */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ============================================================ RESPONSIVE */
@media (max-width: 1080px) {
  .products-grid, .inst-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid, .process-grid, .numbers-grid, .values-grid, .perf-grid, .badges { grid-template-columns: repeat(2, 1fr); }
  .team-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .countries-box { grid-template-columns: 1fr; text-align: center; }
  .countries-grid { justify-content: center; }
  .globe { order: -1; }
}
@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-links.open { display: flex; position: absolute; top: 78px; left: 0; right: 0; flex-direction: column; background: var(--cream); padding: 24px; gap: 18px; border-bottom: 1px solid var(--border); }
  .site-header.on-dark .nav-links.open { background: var(--navy); }
  .nav-toggle { display: block; }
  .nav-cta .btn { display: none; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .sim-card, .mission-grid, .app-grid { grid-template-columns: 1fr; }
  .sim-left { border-right: none; border-bottom: 1px solid var(--border); }
  .app-side { position: static; }
  .stp .nm { display: none; }
  .section { padding: 78px 0; }
  .countries-box { padding: 36px; }
}
@media (max-width: 560px) {
  .products-grid, .team-grid, .process-grid, .numbers-grid, .values-grid, .perf-grid, .footer-grid, .field-2, .inst-grid, .badges { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .app-card { padding: 26px; }
  .hero-inner, .page-hero { padding-top: 120px; }
}

/* ============================================================ REAL IMAGES (conforming copy) */
.hero, .page-hero, .cta { position: relative; }
.bg-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; }
.hero .bg-overlay { position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(120deg, rgba(22,36,63,.93) 0%, rgba(22,36,63,.64) 46%, rgba(27,44,78,.58) 100%); }
.page-hero .bg-overlay { position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(120deg, rgba(22,36,63,.92), rgba(27,44,78,.72)); }
.cta .bg-overlay { position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(115deg, rgba(22,36,63,.94), rgba(27,44,78,.80)); }
.hero::after, .page-hero::after { z-index: 1; }

/* logo image */
.brand-mark { padding: 4px; overflow: hidden; }
.brand-mark img { width: 100%; height: 100%; object-fit: contain; display: block; }

/* team portraits (home) */
.member .avatar { position: relative; overflow: hidden; }
.member .avatar img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  filter: grayscale(1); transition: filter .5s ease, transform .5s ease; }
.member:hover .avatar img { filter: grayscale(0); transform: scale(1.05); }

/* team portraits (about) */
.member-h .av { position: relative; overflow: hidden; }
.member-h .av img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  border-radius: inherit; filter: grayscale(1); transition: filter .5s ease, transform .5s ease; }
.member-h:hover .av img { filter: grayscale(0); transform: scale(1.05); }

/* ============================================================ NAV ACTIVE + LEGAL/CONTACT (added for PHP build) */
.nav-links a.active { color: var(--gold); }
.site-header.on-dark .nav-links a.active { color: var(--gold); }

.footer-brand .contact { margin-top: 16px; display: flex; flex-direction: column; gap: 6px; }
.footer-brand .contact a { color: rgba(255,255,255,.7); font-size: 14px; }
.footer-brand .contact a:hover { color: var(--gold); }

/* legal / privacy / terms document */
.legal { background: var(--cream); }
.legal-doc { max-width: 860px; margin: 0 auto; }
.legal-doc h3 { font-size: 23px; margin: 34px 0 12px; }
.legal-doc h3:first-child { margin-top: 0; }
.legal-doc p { color: var(--muted); margin-bottom: 14px; font-size: 15.5px; }
.legal-doc ul { color: var(--muted); margin: 0 0 16px 22px; font-size: 15.5px; }
.legal-doc li { margin-bottom: 8px; }
.legal-doc .updated { margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--border); font-size: 13.5px; color: var(--muted-light); }
.legal-doc .updated a { color: var(--gold); font-weight: 600; }

/* product page "uses" list */
.uses-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px 28px; margin-top: 8px; }
.uses-grid li { display: flex; align-items: center; gap: 10px; font-size: 15px; color: var(--ink); list-style: none; }
.uses-grid li::before { content: ""; width: 18px; height: 18px; flex: none; border-radius: 50%;
  background: var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c9a84c' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/11px no-repeat; }
@media (max-width:560px){ .uses-grid { grid-template-columns: 1fr; } }

/* ============================================================
   v2 — LARGER TYPE, HERO RESPONSIVE, STICKY HEADER
   (appended last so these values win)
   ============================================================ */

/* ---- Larger, more readable type scale ---- */
body { font-size: 17px; line-height: 1.65; }
.nav-links a { font-size: 16px; }
.btn { font-size: 16px; padding: 16px 30px; }
.eyebrow { font-size: 13px; }
.section-head p { font-size: 19.5px; }
.hero p { font-size: 20px; }
.hero-stats .stat .lbl { font-size: 14px; }
.product-card h3 { font-size: 24px; }
.product-range { font-size: 16px; }
.product-card .desc { font-size: 15.5px; }
.product-features li { font-size: 15px; }
.product-term { font-size: 14.5px; }
.product-badge { font-size: 12px; }
.step-card h3 { font-size: 20px; }
.step-card .desc { font-size: 15.5px; }
.step-card .note { font-size: 14.5px; }
.process-banner h3 { font-size: 23px; }
.process-banner p { font-size: 15px; }
.value-card h3 { font-size: 22px; }
.value-card p { font-size: 15.5px; }
.mission-text p { font-size: 17.5px; }
.mini-stat .t { font-size: 16px; }
.mini-stat .s { font-size: 14px; }
.perf-row .lab { font-size: 14px; }
.member .name, .member-h .name { font-size: 20px; }
.member .role, .member-h .role { font-size: 12.5px; }
.member .desc, .member-h .desc { font-size: 15px; }
.inst-card h3 { font-size: 20px; }
.inst-card p { font-size: 15px; }
.badge b { font-size: 15.5px; }
.badge span { font-size: 13px; }
.faq-q .txt { font-size: 18px; }
.faq-a p { font-size: 16px; }
.sim-row .lbl { font-size: 13px; }
.sim-line { font-size: 16px; }
.sim-rate b { font-size: 15px; }
.sim-rate span { font-size: 13px; }
.cta p { font-size: 19px; }
.cta-actions .link { font-size: 16px; }
.field label { font-size: 14px; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=number], .field select { font-size: 16px; }
.app-step h3 { font-size: 27px; }
.app-step .sub { font-size: 16px; }
.elig-box li { font-size: 15.5px; }
.review-list .rrow { font-size: 15px; }
.consent { font-size: 14.5px; }
.stp .nm { font-size: 13.5px; }
.country-chip { font-size: 14.5px; }
.footer-col a { font-size: 15px; }
.footer-brand p { font-size: 15px; }
.legal-doc p, .legal-doc ul { font-size: 16.5px; }
.uses-grid li { font-size: 15.5px; }

/* ---- Sticky header that turns solid on scroll ---- */
.site-header.on-dark { position: fixed; top: 0; left: 0; right: 0; transition: background .3s ease, border-color .3s ease, box-shadow .3s ease; }
.site-header.on-dark.scrolled { background: rgba(248,246,241,.94); backdrop-filter: blur(14px); border-bottom: 1px solid var(--border); box-shadow: 0 6px 24px -18px rgba(27,44,78,.5); }
.site-header.on-dark.scrolled .brand-name { color: var(--navy); }
.site-header.on-dark.scrolled .brand-name b { color: var(--gold); }
.site-header.on-dark.scrolled .nav-links a { color: var(--navy); }
.site-header.on-dark.scrolled .nav-links a:hover,
.site-header.on-dark.scrolled .nav-links a.active { color: var(--gold); }
.site-header.on-dark.scrolled .nav-toggle { border-color: var(--border); }
.site-header.on-dark.scrolled .nav-toggle span { background: var(--navy); }

/* ---- Hero responsiveness (home + page heroes) ---- */
.hero h1 { font-size: clamp(40px, 9vw, 92px); overflow-wrap: break-word; }
.page-hero h1 { font-size: clamp(34px, 8vw, 72px); overflow-wrap: break-word; }
.hero p, .page-hero p { overflow-wrap: break-word; }

@media (max-width: 760px) {
  .hero-inner { padding: 124px 0 64px; }
  .page-hero { padding: 120px 0 64px; }
  .page-hero.compact { padding: 110px 0 52px; }
  .hero p { font-size: 18px; }
  .hero-badge { font-size: 11.5px; letter-spacing: .12em; padding: 8px 14px; }
  .hero-actions { gap: 12px; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-stats { margin-top: 40px; padding-top: 32px; gap: 22px 16px; }
  .hero-stats .stat .num { font-size: 34px; }
}
@media (max-width: 480px) {
  .container { padding: 0 18px; }
  .hero h1 { font-size: clamp(34px, 11vw, 56px); line-height: 1.05; }
  .hero-inner { padding: 116px 0 56px; }
  .hero p { font-size: 17px; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .hero-stats .stat .num { font-size: 30px; }
  .btn { padding: 15px 24px; font-size: 15px; }
  .section-head p { font-size: 17.5px; }
}

/* ============================================================
   v3 — CLIENT LOGIN BUTTON, MOBILE MENU, MOBILE HERO MARGINS
   ============================================================ */

/* login button (header, on dark) */
.btn-login { border: 1.5px solid rgba(255,255,255,.38); color: #fff; background: transparent; }
.btn-login svg { width: 16px; height: 16px; }
.btn-login:hover { border-color: #fff; background: rgba(255,255,255,.10); transform: translateY(-2px); }
.site-header.on-dark.scrolled .btn-login { border-color: var(--cream-dark); color: var(--navy); }
.site-header.on-dark.scrolled .btn-login:hover { border-color: var(--navy); background: transparent; }

/* mobile-only nav entries hidden on desktop */
.mobile-only { display: none; }

/* mobile dropdown menu: always cream bg with dark links (readable in any header state) */
@media (max-width: 860px) {
  .site-header.on-dark .nav-links.open { background: var(--cream); border-bottom: 1px solid var(--border); padding: 22px; gap: 14px; }
  .site-header.on-dark .nav-links.open a { color: var(--navy); }
  .site-header.on-dark .nav-links.open a:hover,
  .site-header.on-dark .nav-links.open a.active { color: var(--gold); }
  .nav-links.open .mobile-only { display: block; width: 100%; text-align: center; padding: 14px; border-radius: 999px; font-weight: 700; margin-top: 4px; }
  .nav-links.open .m-login { border: 1.5px solid var(--cream-dark); }
  .nav-links.open .m-login:hover { border-color: var(--navy); }
  .nav-links.open .m-apply { background: var(--gold); color: var(--navy); }
  .nav-links.open .m-apply:hover { color: var(--navy); }
}

/* stronger, guaranteed mobile margins on the hero + page heroes */
@media (max-width: 760px) {
  .container { padding-left: 22px; padding-right: 22px; }
  .hero-inner, .page-hero .container { padding-left: 22px; padding-right: 22px; }
  .hero-badge { white-space: normal; line-height: 1.5; }
  .hero h1 { font-size: clamp(38px, 10vw, 64px); line-height: 1.06; }
  .hero p { margin: 22px 0 30px; }
}
@media (max-width: 420px) {
  .container { padding-left: 20px; padding-right: 20px; }
  .hero h1 { font-size: clamp(32px, 12vw, 50px); }
  .hero-stats { gap: 26px 18px; }
}

/* ---- Client login page ---- */
.auth { background: var(--cream); padding: 70px 0 110px; }
.auth-card { max-width: 440px; margin: 0 auto; background: var(--white); border: 1px solid var(--border); border-radius: 24px; box-shadow: var(--shadow-md); padding: 40px; }
.auth-card .auth-head { text-align: center; margin-bottom: 28px; }
.auth-card .auth-head h2 { font-size: 28px; }
.auth-card .auth-head p { color: var(--muted); margin-top: 8px; font-size: 15px; }
.auth-row { display: flex; align-items: center; justify-content: space-between; margin: 4px 0 22px; font-size: 14px; }
.auth-row label { display: flex; align-items: center; gap: 8px; color: var(--muted); }
.auth-row input { width: 16px; height: 16px; accent-color: var(--gold); }
.auth-row a { color: var(--gold); font-weight: 600; }
.auth-card .btn { width: 100%; justify-content: center; }
.auth-foot { text-align: center; margin-top: 22px; padding-top: 22px; border-top: 1px solid var(--border); font-size: 14.5px; color: var(--muted); }
.auth-foot a { color: var(--gold); font-weight: 700; }
.auth-note { text-align: center; font-size: 12.5px; color: var(--muted-light); margin-top: 18px; }

/* v3.1 — ensure hero clears the fixed header on mobile (last word on top padding) */
@media (max-width: 760px) {
  .hero-inner { padding-top: 120px; padding-bottom: 60px; }
  .page-hero { padding-top: 116px; }
  .page-hero.compact { padding-top: 108px; }
}
@media (max-width: 420px) {
  .hero-inner { padding-top: 112px; }
}

/* ============================================================
   v4 — "LOANS" DROPDOWN IN HEADER NAV
   ============================================================ */
.nav-item.has-dropdown { position: relative; display: flex; align-items: center; }
.nav-drop-toggle { display: inline-flex; align-items: center; gap: 6px; cursor: pointer; font-size: 16px; font-weight: 600; }
.nav-drop-toggle svg { width: 14px; height: 14px; transition: transform .25s ease; }
.nav-item.has-dropdown:hover .nav-drop-toggle svg,
.nav-item.has-dropdown.open .nav-drop-toggle svg { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(10px);
  min-width: 240px; background: var(--white); border: 1px solid var(--border); border-radius: 16px;
  box-shadow: var(--shadow-md); padding: 10px; z-index: 120;
  opacity: 0; visibility: hidden; transition: opacity .22s ease, transform .22s ease;
}
/* hover bridge so the menu doesn't close in the gap */
.nav-item.has-dropdown::after { content: ""; position: absolute; top: 100%; left: 0; right: 0; height: 16px; }
.nav-item.has-dropdown:hover .dropdown,
.nav-item.has-dropdown:focus-within .dropdown,
.nav-item.has-dropdown.open .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(8px); }
.dropdown a { display: block; padding: 11px 16px; border-radius: 10px; font-size: 15px; font-weight: 600; color: var(--navy) !important; white-space: nowrap; }
.dropdown a:hover { background: var(--cream); color: var(--gold) !important; }

/* mobile: dropdown becomes a tidy inline expandable panel inside the menu */
@media (max-width: 860px) {
  .nav-item.has-dropdown { flex-direction: column; width: 100%; }
  .nav-drop-toggle { justify-content: center; width: 100%; }
  .nav-item.has-dropdown::after { display: none; }
  .dropdown {
    position: static; left: auto; min-width: 0; width: 100%; box-shadow: none; border: none;
    background: rgba(27,44,78,.05); border-radius: 14px; padding: 6px; margin-top: 8px;
    display: none; opacity: 1; visibility: visible; transform: none;
  }
  .nav-item.has-dropdown.open .dropdown { display: block; transform: none; }
  .dropdown a {
    text-align: center; color: var(--navy) !important; padding: 12px; font-size: 15px;
    white-space: normal; border-radius: 9px;
  }
  .dropdown a + a { border-top: 1px solid rgba(27,44,78,.06); }
  .dropdown a:hover, .dropdown a:active { background: rgba(255,255,255,.7); color: var(--gold) !important; }
}

/* ============================================================
   v5 — ALWAYS-VISIBLE, ON-BRAND SCROLLBAR
   ============================================================ */
/* Use clip instead of hidden so body doesn't hijack the scroll container,
   and force the vertical scrollbar to always be present. */
html { overflow-y: scroll; scrollbar-width: thin; scrollbar-color: var(--navy) var(--cream); }
body { overflow-x: clip; }

/* WebKit/Blink (Chrome, Edge, Safari): opt out of overlay scrollbars
   and show a persistent, styled scrollbar. */
::-webkit-scrollbar { width: 12px; height: 12px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: var(--navy); border-radius: 999px; border: 3px solid var(--cream); }
::-webkit-scrollbar-thumb:hover { background: var(--gold); }

/* ============================================================
   v6 — TESTIMONIALS
   ============================================================ */
.testimonials { background: var(--cream); }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; box-shadow: var(--shadow-sm); transition: transform .3s ease, box-shadow .3s ease; }
.testi-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.testi-stars { display: flex; gap: 3px; color: var(--gold); margin-bottom: 16px; }
.testi-stars svg { width: 18px; height: 18px; }
.testi-quote { margin: 0; font-size: 16px; line-height: 1.7; color: var(--ink); flex: 1; font-family: var(--serif); font-weight: 400; }
.testi-foot { display: flex; align-items: center; gap: 14px; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--border); }
.testi-av { width: 46px; height: 46px; flex: none; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(150deg, var(--navy), var(--navy-light)); color: var(--gold); font-family: var(--serif); font-weight: 600; font-size: 16px; }
.testi-name { display: block; font-weight: 700; color: var(--navy); font-size: 15.5px; }
.testi-meta { display: block; font-size: 13px; color: var(--muted); }
@media (max-width: 1080px) { .testi-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .testi-grid { grid-template-columns: 1fr; } }
/* footer address line */
.footer-brand .contact span { color: rgba(255,255,255,.6); font-size: 14px; }

/* ============================================================
   v7 — SERVICE PAGES (Banking / Transfers / What We Do)
   ============================================================ */
.lede { font-size: 19px; color: var(--muted); line-height: 1.7; }
.crumbs { font-size: 13px; letter-spacing: .04em; color: rgba(255,255,255,.55); margin-bottom: 16px; }
.crumbs a { color: rgba(255,255,255,.82); }
.crumbs a:hover { color: var(--gold); }

/* reusable navy section */
.section--navy { background: var(--navy); color: #fff; }
.section--navy h2 { color: #fff; }
.section--navy .section-head p { color: rgba(255,255,255,.7); }
.section--navy .lede { color: rgba(255,255,255,.78); }

/* key/value spec card */
.spec-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 22px 30px; box-shadow: var(--shadow-sm); }
.spec-card .srow { display: flex; justify-content: space-between; gap: 16px; padding: 15px 0; border-top: 1px solid var(--border); font-size: 15.5px; }
.spec-card .srow:first-child { border-top: none; }
.spec-card .srow .k { color: var(--muted); }
.spec-card .srow .v { font-weight: 700; color: var(--navy); text-align: right; }
.section--navy .spec-card { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.12); }
.section--navy .spec-card .srow { border-top-color: rgba(255,255,255,.12); }
.section--navy .spec-card .srow .k { color: rgba(255,255,255,.65); }
.section--navy .spec-card .srow .v { color: #fff; }

/* numbered value cards (reuse .value-card, number replaces icon) */
.value-card .vno { font-family: var(--serif); font-size: 30px; font-weight: 600; color: var(--gold); margin-bottom: 12px; line-height: 1; }

/* service cards (What We Do) */
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; color: inherit; transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: rgba(201,168,76,.5); }
.service-card .sic { width: 50px; height: 50px; border-radius: 13px; background: var(--gold-soft); color: var(--gold); display: grid; place-items: center; margin-bottom: 20px; }
.service-card .sic svg { width: 24px; height: 24px; }
.service-card h3 { font-size: 23px; }
.service-card p { color: var(--muted); font-size: 15px; margin: 10px 0 18px; flex: 1; }
.service-card .sfoot { display: flex; align-items: center; justify-content: space-between; padding-top: 16px; border-top: 1px solid var(--border); }
.service-card .smeta { font-size: 12.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--gold); }
.service-card .sgo { font-weight: 700; color: var(--navy); font-size: 14.5px; }
.service-card:hover .sgo { color: var(--gold); }

/* transfer flow */
.flow { display: flex; align-items: center; justify-content: center; gap: 18px; flex-wrap: wrap; }
.flow .node { text-align: center; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px 32px; min-width: 150px; box-shadow: var(--shadow-sm); }
.flow .node .nf { font-family: var(--serif); font-size: 30px; font-weight: 600; color: var(--navy); }
.flow .node .nl { font-size: 13.5px; color: var(--muted); margin-top: 4px; }
.flow .arrow2 { color: var(--gold); font-size: 26px; font-weight: 700; }

/* rail flow (What We Do, navy) */
.railflow { display: flex; flex-direction: column; gap: 14px; }
.railrow { display: flex; align-items: center; gap: 16px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); border-radius: 14px; padding: 18px 20px; }
.railrow .ric { width: 46px; height: 46px; flex: none; border-radius: 12px; background: var(--gold-soft); color: var(--gold); display: grid; place-items: center; }
.railrow .ric svg { width: 22px; height: 22px; }
.railrow .rt { color: #fff; font-weight: 700; font-size: 15.5px; }
.railrow .rs { color: rgba(255,255,255,.65); font-size: 13.5px; }

@media (max-width: 900px) { .service-grid { grid-template-columns: 1fr; } .flow { flex-direction: column; } .flow .arrow2 { transform: rotate(90deg); } }

/* ============================================================
   v8 — NEW LOGO + LIGHT HEADER ALWAYS
   ============================================================ */
/* brand logo (full wordmark image) */
.brand-logo { height: 42px; width: auto; display: block; }
@media (max-width: 480px) { .brand-logo { height: 34px; } }

/* the logo artwork is dark/blue → keep the header on a light surface at all times */
.site-header.on-dark { background: rgba(248,246,241,.95); backdrop-filter: blur(14px); border-bottom: 1px solid var(--border); }
.site-header.on-dark .nav-links a { color: var(--navy); }
.site-header.on-dark .nav-links a:hover,
.site-header.on-dark .nav-links a.active { color: var(--gold); }
.site-header.on-dark .nav-drop-toggle { color: var(--navy); }
.site-header.on-dark .btn-login { border-color: var(--cream-dark); color: var(--navy); background: transparent; }
.site-header.on-dark .btn-login:hover { border-color: var(--navy); background: transparent; }
.site-header.on-dark .nav-toggle { border-color: var(--border); }
.site-header.on-dark .nav-toggle span { background: var(--navy); }
.site-header.on-dark.scrolled { box-shadow: 0 6px 24px -18px rgba(27,44,78,.5); }

/* footer logo on a white plate (footer is navy) */
.footer-logo { display: inline-block; background: #fff; border-radius: 12px; padding: 9px 14px; }
.footer-logo img { height: 34px; width: auto; display: block; }

/* footer legal/registration line */
.footer-legal { margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); font-size: 12.5px; line-height: 1.7; color: rgba(255,255,255,.5); }