/* ===== Explicit Finance — Full White Light Theme ===== */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@700;800&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* Global font color reset for white theme */
h1,
h2,
h3,
h4,
h5,
h6 {
  color: var(--navy);
  font-family: 'Playfair Display', serif
}

p,
li,
td,
th,
label,
span:not(.accent):not(.hero-tag-dot):not(.marquee-dot):not(.badge):not(.hero-stat-num span):not(.section-title span) {
  color: var(--text-mid)
}

a:not(.btn):not(.nav-links a):not(.footer-links a):not(.mobile-nav a):not(.loan-link):not(.breadcrumb a) {
  color: var(--indigo)
}

input,
select,
textarea,
button {
  font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
  color: var(--text-dark)
}

strong,
b {
  color: var(--navy);
  font-weight: 700
}

small {
  color: var(--text-light);
  font-size: 12.5px
}

.text-muted {
  color: var(--text-light) !important
}

.text-navy {
  color: var(--navy) !important
}

.text-indigo {
  color: var(--indigo) !important
}

.text-white {
  color: white !important
}

:root {
  --white: #FFFFFF;
  --off-white: #F8F9FF;
  --light-bg: #F0F4FF;
  --pale-blue: #EEF2FF;
  --pale-green: #ECFDF5;
  --navy: #0F1E4A;
  --navy-soft: #1D3068;
  --blue: #2563EB;
  --indigo: #4F46E5;
  --indigo-soft: #6366F1;
  --teal: #0EA5E9;
  --green: #059669;
  --gold: #D97706;
  --amber: #F59E0B;

  /* Gradients — all very light */
  --grad-primary: linear-gradient(135deg, #2563EB 0%, #4F46E5 50%, #6366F1 100%);
  --grad-soft: linear-gradient(135deg, #EEF2FF 0%, #E0E7FF 100%);
  --grad-green: linear-gradient(135deg, #ECFDF5 0%, #D1FAE5 100%);
  --grad-amber: linear-gradient(135deg, #FFFBEB 0%, #FEF3C7 100%);
  --grad-hero: linear-gradient(145deg, #F8F9FF 0%, #EEF2FF 40%, #E0E7FF 100%);
  --grad-card: linear-gradient(145deg, #FFFFFF 0%, #F8F9FF 100%);
  --grad-subtle: linear-gradient(180deg, #FFFFFF 0%, #F8F9FF 100%);

  /* Text */
  --text-dark: #0F1E4A;
  --text-mid: #374151;
  --text-light: #6B7280;
  --text-xlight: #9CA3AF;

  /* Borders & Shadows */
  --border: rgba(79, 70, 229, 0.1);
  --border-light: rgba(0, 0, 0, 0.06);
  --shadow-xs: 0 1px 4px rgba(15, 30, 74, 0.04);
  --shadow-sm: 0 2px 12px rgba(15, 30, 74, 0.06);
  --shadow-md: 0 8px 32px rgba(15, 30, 74, 0.1);
  --shadow-lg: 0 20px 60px rgba(15, 30, 74, 0.12);
  --shadow-glow: 0 8px 32px rgba(79, 70, 229, 0.2);

  /* Radius */
  --radius: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --radius-pill: 100px;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --transition: all 0.3s var(--ease);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0
}

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

body {
  font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
  background: var(--white);
  color: var(--text-dark);
  line-height: 1.6;
  overflow-x: hidden
}

a {
  text-decoration: none;
  color: inherit
}

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

/* LAYOUT */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px
}

.section {
  padding: 48px 0
}

.section-sm {
  padding: 32px 0
}

.text-center {
  text-align: center
}

/* BADGE */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--grad-soft);
  color: var(--indigo);
  border: 1px solid rgba(79, 70, 229, 0.15);
  border-radius: var(--radius-pill);
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 16px
}

/* SECTION HEADINGS */
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.18;
  margin-bottom: 14px
}

.section-title span {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text
}

.section-sub {
  font-size: 17px;
  color: var(--text-light);
  max-width: 580px;
  margin: 0 auto 32px;
  line-height: 1.75
}

/* BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  font-size: 15px;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Plus Jakarta Sans', sans-serif;
  letter-spacing: -.01em;
  white-space: nowrap
}

.btn-primary {
  background: var(--grad-primary);
  color: var(--white);
  box-shadow: var(--shadow-glow)
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(79, 70, 229, .35)
}

.btn-secondary {
  background: var(--pale-blue);
  color: var(--indigo);
  border: 2px solid rgba(79, 70, 229, .15);
  font-weight: 700
}

.btn-secondary:hover {
  background: var(--grad-soft);
  border-color: rgba(79, 70, 229, .3)
}

.btn-outline {
  background: transparent;
  color: var(--indigo);
  border: 2px solid rgba(79, 70, 229, .25)
}

.btn-outline:hover {
  background: var(--pale-blue)
}

.btn-gold {
  background: linear-gradient(135deg, #D97706, #F59E0B);
  color: white;
  box-shadow: 0 8px 24px rgba(217, 119, 6, .25)
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(217, 119, 6, .4)
}

.btn-white {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-light)
}

.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg)
}

/* ===== NAVBAR — white frosted glass ===== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, .95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-light);
  box-shadow: 0 1px 20px rgba(15, 30, 74, .05);
  transition: var(--transition)
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px
}

.nav-logo img {
  height: 44px;
  width: auto;
  object-fit: contain;
  border-radius: 0
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none
}

.nav-links a {
  color: var(--text-mid);
  font-size: 14px;
  font-weight: 600;
  padding: 8px 13px;
  border-radius: 10px;
  transition: var(--transition)
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--indigo);
  background: var(--pale-blue)
}

.nav-cta {
  margin-left: 8px
}

.nav-dropdown {
  position: relative
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  min-width: 240px;
  padding: 8px;
  box-shadow: var(--shadow-lg)
}

.nav-dropdown:hover .dropdown-menu {
  display: block
}

.dropdown-menu a {
  display: block;
  padding: 10px 14px;
  font-size: 13.5px;
  color: var(--text-mid);
  border-radius: 8px;
  font-weight: 500;
  transition: var(--transition)
}

.dropdown-menu a:hover {
  color: var(--indigo);
  background: var(--pale-blue)
}

.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--navy)
}

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--white);
  flex-direction: column;
  padding: 70px 20px 20px;
  gap: 2px;
  box-shadow: var(--shadow-lg);
  overflow-y: auto
}

.mobile-nav.open {
  display: flex
}

.mobile-nav a {
  color: var(--text-mid);
  font-size: 15px;
  font-weight: 600;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light)
}

.mobile-nav a:hover,
.mobile-nav a:last-of-type {
  color: var(--indigo)
}

.mobile-nav .mobile-section-label {
  padding: 14px 0 4px;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--text-xlight);
  border-bottom: none
}

.mobile-close {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--pale-blue);
  border: none;
  color: var(--indigo);
  font-size: 20px;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center
}

/* ===== HERO — White with soft blue gradient ===== */
.hero {
  background: var(--grad-hero);
  display: flex;
  align-items: center;
  padding-top: 70px;
  position: relative;
  overflow: hidden
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 60% at 85% 30%, rgba(99, 102, 241, .06) 0%, transparent 70%), radial-gradient(ellipse 50% 40% at 10% 80%, rgba(37, 99, 235, .05) 0%, transparent 60%);
  pointer-events: none
}

/* Subtle dot grid */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(79, 70, 229, .07) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 48px 0
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-pill);
  padding: 7px 18px;
  color: var(--indigo);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: .04em;
  margin-bottom: 22px;
  box-shadow: var(--shadow-sm)
}

.hero-tag-dot {
  width: 7px;
  height: 7px;
  background: #10B981;
  border-radius: 50%;
  flex-shrink: 0;
  animation: pulse 2s infinite
}

@keyframes pulse {

  0%,
  100% {
    opacity: 1
  }

  50% {
    opacity: .4
  }
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 5.5vw, 58px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 18px;
  letter-spacing: -.02em
}

.hero-title .accent {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text
}

.hero-desc {
  font-size: 17px;
  color: var(--text-light);
  margin-bottom: 24px;
  line-height: 1.8;
  max-width: 510px
}

.hero-buttons {
  display: flex;
  gap: 13px;
  flex-wrap: wrap
}

.hero-stats {
  display: flex;
  gap: 0;
  margin-top: 48px;
  padding-top: 36px;
  border-top: 1px solid var(--border-light)
}

.hero-stat {
  flex: 1;
  padding-right: 20px;
  border-right: 1px solid var(--border-light);
  margin-right: 20px
}

.hero-stat:last-child {
  border-right: none;
  margin-right: 0;
  padding-right: 0
}

.hero-stat-num {
  font-size: 32px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -.03em
}

.hero-stat-num span {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text
}

.hero-stat-label {
  font-size: 12.5px;
  color: var(--text-xlight);
  margin-top: 4px
}

/* Hero cards — white elevated */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 12px
}

.hero-glass-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  box-shadow: var(--shadow-md);
  transition: var(--transition);
  cursor: pointer
}

.hero-glass-card:hover {
  transform: translateX(6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(79, 70, 229, .15)
}

.hero-card-top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 10px
}

.hero-card-icon {
  width: 42px;
  height: 42px;
  background: var(--grad-soft);
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0
}

.hero-card-name {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy)
}

.hero-card-desc {
  font-size: 12.5px;
  color: var(--text-light)
}

.hero-card-stat {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--pale-blue);
  border-radius: var(--radius-pill);
  padding: 4px 11px;
  font-size: 12px;
  color: var(--indigo);
  font-weight: 600
}

/* MARQUEE */
.marquee-section {
  background: var(--white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 13px 0;
  overflow: hidden
}

.marquee-track {
  display: flex;
  gap: 44px;
  animation: marquee 24s linear infinite;
  white-space: nowrap
}

.marquee-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text-mid);
  flex-shrink: 0
}

.marquee-dot {
  width: 6px;
  height: 6px;
  background: var(--indigo);
  border-radius: 50%;
  flex-shrink: 0;
  opacity: .5
}

@keyframes marquee {
  from {
    transform: translateX(0)
  }

  to {
    transform: translateX(-50%)
  }
}

/* PRODUCTS */
.products-section {
  background: var(--grad-subtle)
}

.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 20px
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
  overflow: hidden
}

.loan-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--grad-primary);
  opacity: 0;
  transition: var(--transition)
}

.loan-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
  border-color: rgba(79, 70, 229, .12)
}

.loan-card:hover::after {
  opacity: 1
}

.loan-card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 16px;
  background: var(--grad-soft)
}

.loan-card h3 {
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 9px;
  letter-spacing: -.02em
}

.loan-card p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.65;
  margin-bottom: 16px
}

.loan-highlights {
  list-style: none;
  margin-bottom: 20px
}

.loan-highlights li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-mid);
  padding: 5px 0
}

.loan-highlights li::before {
  content: '✓';
  width: 18px;
  height: 18px;
  background: linear-gradient(135deg, #059669, #10B981);
  color: white;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 10px;
  font-weight: 900
}

.loan-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--indigo);
  font-size: 13.5px;
  font-weight: 700;
  transition: var(--transition)
}

.loan-link:hover {
  gap: 9px
}

/* WHY SECTION — Light blue gradient, not dark */
.why-section {
  background: linear-gradient(145deg, #F0F4FF 0%, #E8EDFF 50%, #F0F4FF 100%);
  position: relative;
  overflow: hidden
}

.why-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 60% at 80% 30%, rgba(79, 70, 229, .06) 0%, transparent 70%);
  pointer-events: none
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 18px;
  position: relative;
  z-index: 1
}

.why-card {
  padding: 26px 20px;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(79, 70, 229, .08);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: var(--transition)
}

.why-card:hover {
  border-color: rgba(79, 70, 229, .18);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px)
}

.why-icon {
  font-size: 32px;
  margin-bottom: 12px
}

.why-num {
  font-size: 30px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 5px;
  letter-spacing: -.03em
}

.why-num span,
.why-num-gradient {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text
}

.why-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px
}

.why-desc {
  font-size: 12.5px;
  color: var(--text-light);
  line-height: 1.6
}

/* STEPS */
.steps-section {
  background: var(--white)
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 35px;
  left: 17%;
  right: 17%;
  height: 2px;
  background: linear-gradient(90deg, var(--indigo), rgba(99, 102, 241, .3), var(--indigo));
  opacity: .15
}

.step-item {
  text-align: center;
  padding: 20px 22px;
  position: relative;
  z-index: 1
}

.step-num {
  width: 70px;
  height: 70px;
  background: var(--grad-soft);
  border: 2px solid rgba(79, 70, 229, .15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 900;
  color: var(--indigo);
  margin: 0 auto 16px;
  box-shadow: var(--shadow-sm)
}

.step-item h4 {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 7px
}

.step-item p {
  font-size: 13.5px;
  color: var(--text-light);
  line-height: 1.6
}

/* TESTIMONIALS */
.testimonials-section {
  background: var(--off-white)
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 20px
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 26px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px)
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 14px;
  right: 22px;
  font-size: 72px;
  line-height: 1;
  font-family: 'Playfair Display', serif;
  color: var(--indigo);
  opacity: .05
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 12px;
  font-size: 16px
}

.testimonial-text {
  font-size: 14.5px;
  color: var(--text-mid);
  font-style: italic;
  line-height: 1.75;
  margin-bottom: 16px
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px
}

.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--grad-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  color: white;
  font-size: 15px;
  flex-shrink: 0
}

.author-name {
  font-weight: 800;
  color: var(--navy);
  font-size: 14px
}

.author-role {
  font-size: 12px;
  color: var(--text-xlight);
  margin-top: 2px
}

/* CTA — light gradient, not dark */
.cta-section {
  background: var(--white);
  padding: 48px 0
}

.cta-card {
  background: linear-gradient(145deg, #EEF2FF 0%, #E0E7FF 100%);
  border-radius: var(--radius-xl);
  padding: 72px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(79, 70, 229, .1)
}

.cta-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 60% at 80% 20%, rgba(79, 70, 229, .06) 0%, transparent 60%);
  pointer-events: none
}

.cta-inner {
  position: relative;
  z-index: 1
}

.cta-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(26px, 4vw, 42px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -.02em
}

.cta-sub {
  font-size: 17px;
  color: var(--text-mid);
  margin-bottom: 34px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.7
}

.cta-buttons {
  display: flex;
  gap: 13px;
  justify-content: center;
  flex-wrap: wrap
}

/* FAQ */
.faq-section {
  background: var(--off-white)
}

.faq-list {
  max-width: 750px;
  margin: 0 auto
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  margin-bottom: 9px;
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-xs);
  transition: var(--transition)
}

.faq-item:hover {
  box-shadow: var(--shadow-sm);
  border-color: rgba(79, 70, 229, .12)
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 17px 20px;
  text-align: left;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: var(--transition);
  font-family: 'Plus Jakarta Sans', sans-serif
}

.faq-question:hover,
.faq-question.active {
  color: var(--indigo)
}

.faq-chevron {
  transition: var(--transition);
  font-size: 15px;
  color: var(--indigo);
  flex-shrink: 0
}

.faq-question.active .faq-chevron {
  transform: rotate(180deg)
}

.faq-answer {
  display: none;
  padding: 0 20px 16px;
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.75
}

.faq-answer.open {
  display: block
}

/* PAGE HERO — soft light blue */
.page-hero {
  background: linear-gradient(145deg, #F0F4FF 0%, #E8EDFF 50%, #EEF2FF 100%);
  padding: 100px 0 32px;
  text-align: center;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(79, 70, 229, .08)
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(79, 70, 229, .05) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none
}

.page-hero-content {
  position: relative;
  z-index: 1
}

.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(30px, 5vw, 50px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 14px;
  letter-spacing: -.02em
}

.page-hero p {
  font-size: 17px;
  color: var(--text-mid);
  max-width: 560px;
  margin: 0 auto 28px;
  line-height: 1.75
}

.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-xlight);
  margin-top: 16px
}

.breadcrumb a {
  color: var(--indigo);
  font-weight: 600
}

.breadcrumb a:hover {
  color: var(--blue)
}

/* CRITERIA STRIP */
.criteria-strip-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: -32px;
  box-shadow: var(--shadow-md);
  position: relative;
  z-index: 2;
  background: var(--white)
}

.criteria-card {
  background: var(--white);
  padding: 22px 18px;
  text-align: center;
  border-right: 1px solid var(--border-light);
  transition: var(--transition)
}

.criteria-card:last-child {
  border-right: none
}

.criteria-card:hover {
  background: var(--pale-blue)
}

.criteria-icon {
  font-size: 26px;
  margin-bottom: 9px
}

.criteria-label {
  font-size: 11.5px;
  color: var(--text-xlight);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 5px
}

.criteria-value {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy)
}

/* LOAN DETAIL */
.loan-detail-section {
  background: var(--off-white);
  padding-top: 64px;
  padding-bottom: 80px
}

.loan-details-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
  align-items: start
}

.loan-info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light);
  margin-bottom: 18px
}

.loan-info-title {
  font-family: 'Playfair Display', serif;
  font-size: 25px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  letter-spacing: -.02em
}

.loan-info-card p {
  font-size: 15px;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 12px
}

.loan-info-card ul {
  list-style: none;
  margin: 12px 0
}

.loan-info-card ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  font-size: 14.5px;
  color: var(--text-mid);
  border-bottom: 1px solid var(--border-light)
}

.loan-info-card ul li:last-child {
  border-bottom: none
}

.loan-info-card ul li::before {
  content: '✓';
  width: 19px;
  height: 19px;
  background: linear-gradient(135deg, #059669, #10B981);
  color: white;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 10px;
  font-weight: 900;
  margin-top: 2px
}

.loan-info-card h3 {
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
  margin: 24px 0 10px;
  letter-spacing: -.01em
}

.loan-info-card strong {
  color: var(--navy);
  font-weight: 700
}

.highlight-box {
  background: var(--pale-blue);
  border: 1px solid rgba(79, 70, 229, .12);
  border-left: 4px solid var(--indigo);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 20px 0
}

.highlight-box p {
  font-size: 14px;
  color: var(--text-mid);
  margin: 0;
  line-height: 1.65
}

/* SIDEBAR */
.apply-sidebar {
  position: sticky;
  top: 90px
}

.apply-sidebar-card {
  background: linear-gradient(145deg, #1D3068, #2563EB);
  border-radius: var(--radius-lg);
  padding: 26px;
  color: var(--white);
  margin-bottom: 14px;
  box-shadow: 0 12px 40px rgba(37, 99, 235, .25)
}

.apply-sidebar-card h3 {
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 5px
}

.apply-sidebar-card p {
  font-size: 13px;
  color: rgba(255, 255, 255, .65);
  margin-bottom: 18px
}

.loan-meta {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 20px
}

.loan-meta-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .08)
}

.loan-meta-item:last-child {
  border-bottom: none
}

.loan-meta-label {
  font-size: 12px;
  color: rgba(255, 255, 255, .5)
}

.loan-meta-value {
  font-size: 13.5px;
  font-weight: 700;
  color: #FCD34D
}

.sidebar-other {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 20px;
  box-shadow: var(--shadow-sm)
}

.sidebar-other h3 {
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px
}

.sidebar-other ul {
  list-style: none
}

.sidebar-other ul li {
  padding: 9px 0;
  border-bottom: 1px solid var(--border-light)
}

.sidebar-other ul li:last-child {
  border-bottom: none
}

.sidebar-other ul li a {
  color: var(--indigo);
  font-weight: 600;
  font-size: 13.5px;
  transition: var(--transition)
}

.sidebar-other ul li a:hover {
  color: var(--blue);
  padding-left: 4px
}

/* ABOUT */
.about-mission {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center
}

.mission-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: 34px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 18px;
  letter-spacing: -.02em
}

.mission-text p {
  font-size: 15.5px;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 12px
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px
}

.value-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px;
  border: 1px solid var(--border-light);
  transition: var(--transition);
  box-shadow: var(--shadow-xs)
}

.value-card:hover {
  border-color: rgba(79, 70, 229, .15);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px)
}

.value-emoji {
  font-size: 26px;
  margin-bottom: 9px
}

.value-name {
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
  font-size: 14.5px
}

.value-desc {
  font-size: 12.5px;
  color: var(--text-light);
  line-height: 1.55
}

.features-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center
}

.features-list {
  list-style: none
}

.feature-item {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--border-light)
}

.feature-item:last-child {
  border-bottom: none
}

.feature-icon {
  width: 44px;
  height: 44px;
  background: var(--grad-soft);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0
}

.feature-title {
  font-size: 15.5px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px
}

.feature-desc {
  font-size: 13px;
  color: var(--text-light);
  line-height: 1.6
}

/* APPLY FORM */
.apply-form-section {
  background: var(--off-white);
  padding: 80px 0
}

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 350px;
  gap: 32px;
  align-items: start;
  max-width: 1060px;
  margin: 0 auto
}

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-light)
}

.form-title {
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 5px
}

.form-subtitle {
  font-size: 14.5px;
  color: var(--text-light);
  margin-bottom: 28px
}

.form-section-title {
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
  margin: 26px 0 16px;
  padding-bottom: 9px;
  border-bottom: 2px solid var(--border-light)
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px
}

.form-group.full {
  grid-column: span 2
}

.form-group label {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--navy)
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 11px 15px;
  border: 1.5px solid var(--border-light);
  border-radius: 9px;
  font-size: 14px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--navy);
  background: var(--off-white);
  transition: var(--transition);
  outline: none
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--indigo);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(79, 70, 229, .08)
}

.form-group textarea {
  resize: vertical;
  min-height: 88px
}

.form-submit {
  width: 100%;
  padding: 15px;
  background: var(--grad-primary);
  color: var(--white);
  border: none;
  border-radius: var(--radius-pill);
  font-size: 15.5px;
  font-weight: 800;
  cursor: pointer;
  transition: var(--transition);
  margin-top: 22px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  box-shadow: var(--shadow-glow)
}

.form-submit:hover {
  box-shadow: 0 12px 36px rgba(79, 70, 229, .35);
  transform: translateY(-2px)
}

.form-privacy {
  background: var(--pale-blue);
  border: 1px solid rgba(79, 70, 229, .1);
  border-radius: 9px;
  padding: 13px 16px;
  margin-top: 16px;
  font-size: 12.5px;
  color: var(--text-light);
  display: flex;
  gap: 9px;
  align-items: flex-start
}

.form-sidebar {
  display: flex;
  flex-direction: column;
  gap: 16px
}

.form-sidebar-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 20px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm)
}

.form-sidebar-card h3 {
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px
}

/* ===== FOOTER — Light white footer ===== */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, .6);
  padding: 60px 0 0
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1.3fr 1fr;
  gap: 24px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, .06)
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px
}

.footer-brand img {
  height: 38px;
  width: auto;
  object-fit: contain;
  border-radius: 0;
  filter: brightness(0) invert(1)
}

.footer-about {
  font-size: 13px;
  line-height: 1.75;
  margin-bottom: 8px
}

.footer-address {
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255, 255, 255, .4);
  margin-bottom: 8px
}

.footer-email a {
  display: block;
  font-size: 12.5px;
  color: rgba(255, 255, 255, .45);
  margin-bottom: 4px;
  transition: var(--transition)
}

.footer-email a:hover {
  color: var(--white)
}

.footer-social {
  display: flex;
  gap: 9px;
  margin-top: 16px
}

.social-icon {
  width: 34px;
  height: 34px;
  background: rgba(255, 255, 255, .05);
  border: 1px solid rgba(255, 255, 255, .07);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  transition: var(--transition);
  cursor: pointer
}

.social-icon:hover {
  background: rgba(79, 70, 229, .25);
  border-color: rgba(79, 70, 229, .3)
}

.footer-col h4 {
  font-size: 12.5px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: .06em
}

.footer-links {
  list-style: none
}

.footer-links li {
  margin-bottom: 9px
}

.footer-links a {
  color: rgba(255, 255, 255, .4);
  font-size: 13.5px;
  transition: var(--transition)
}

.footer-links a:hover {
  color: var(--white);
  padding-left: 3px
}

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 12.5px;
  color: rgba(255, 255, 255, .28)
}

.footer-bottom-links {
  display: flex;
  gap: 20px
}

.footer-bottom-links a {
  color: rgba(255, 255, 255, .28);
  transition: var(--transition)
}

.footer-bottom-links a:hover {
  color: var(--white)
}

/* ANIMATIONS */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .6s var(--ease), transform .6s var(--ease)
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0)
}

.reveal-left {
  opacity: 0;
  transform: translateX(-24px);
  transition: opacity .6s var(--ease), transform .6s var(--ease)
}

.reveal-left.visible {
  opacity: 1;
  transform: translateX(0)
}

.reveal-right {
  opacity: 0;
  transform: translateX(24px);
  transition: opacity .6s var(--ease), transform .6s var(--ease)
}

.reveal-right.visible {
  opacity: 1;
  transform: translateX(0)
}

/* RESPONSIVE */
@media(max-width:1024px) {
  .hero-inner {
    grid-template-columns: 1fr
  }

  .hero-visual {
    display: none
  }

  .loan-details-grid {
    grid-template-columns: 1fr
  }

  .apply-sidebar {
    position: static
  }

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

  .about-mission {
    grid-template-columns: 1fr
  }

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

  .apply-grid {
    grid-template-columns: 1fr
  }

  .criteria-strip-inner {
    grid-template-columns: 1fr 1fr
  }

  .steps-grid {
    grid-template-columns: 1fr
  }

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

@media(max-width:768px) {

  .nav-links,
  .nav-cta {
    display: none
  }

  .hamburger {
    display: flex
  }

  .section {
    padding: 60px 0
  }

  .hero-stats {
    flex-direction: column;
    gap: 14px
  }

  .hero-stat {
    border-right: none;
    border-bottom: 1px solid var(--border-light);
    margin-right: 0;
    padding-right: 0;
    padding-bottom: 14px;
    margin-bottom: 0
  }

  .hero-stat:last-child {
    border-bottom: none
  }

  .hero-buttons {
    flex-direction: column;
    align-items: flex-start
  }

  .cta-buttons {
    flex-direction: column;
    align-items: center
  }

  .cta-card {
    padding: 40px 24px
  }

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

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

  .form-group.full {
    grid-column: span 1
  }

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

  .footer-bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center
  }

  .loan-info-card {
    padding: 20px
  }

  .form-card {
    padding: 24px 18px
  }

  .criteria-strip-inner {
    grid-template-columns: 1fr 1fr
  }
}