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

:root {
    --navy-900: #0a1628;
    --navy-800: #0f1f3a;
    --navy-700: #14264a;
    --navy-600: #1c3260;
    --navy-500: #234080;
    --blue-accent: #2563eb;
    --blue-light: #3b82f6;
    --blue-hover: #1d4ed8;
    --green-accent: #10b981;
    --gold: #c9a86c;
    --white: #ffffff;
    --text-light: #d1d9e6;
    --text-muted: #8b9bb4;
    --border-subtle: rgba(255, 255, 255, 0.08);
    --bg-light: #f4f6fa;
    --bg-light-2: #eaeef5;
    --text-dark: #1a2238;
    --text-dark-muted: #5a6378;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', sans-serif;
    background: var(--navy-900);
    color: var(--white);
    font-weight: 300;
    overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }

/* Global utility: any number in heading uses DM Serif Display */
.num {
    font-family: 'DM Serif Display', serif !important;
    font-weight: 400;
    font-style: normal;
    letter-spacing: -0.5px;
}

/* ========= ANNOUNCE BAR ========= */
.announce {
    background: var(--navy-800);
    border-bottom: 1px solid rgba(59,130,246,0.15);
    text-align: center;
    padding: 0.65rem 2rem;
    font-size: 0.72rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--blue-light);
    position: relative;
    z-index: 1001;
}
.announce strong { color: var(--white); font-weight: 500; }
.announce i { margin-right: 0.5rem; }

/* ========= HEADER ========= */
header {
    position: fixed;
    top: 38px;
    left: 0; right: 0;
    z-index: 1000;
    padding: 1.4rem 5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: linear-gradient(180deg, var(--navy-900) 0%, rgba(10,22,40,0.85) 70%, transparent 100%);
    transition: background 0.4s, padding 0.3s, top 0.3s;
}
header.scrolled {
    top: 0;
    background: rgba(10,22,40,0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(59,130,246,0.12);
    padding: 1rem 5rem;
}

.logo {
    display: flex;
    align-items: center;
    text-decoration: none;
}
.logo-text {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.5rem;
    font-weight: 600;
    font-style: italic;
    color: var(--blue-light);
    letter-spacing: 0.5px;
    line-height: 1;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 3rem;
}
.nav-menu a {
    color: var(--white);
    font-size: 0.75rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    opacity: 0.75;
    transition: all 0.3s;
}
.nav-menu a:hover {
    opacity: 1;
    color: var(--blue-light);
}

/* ===== HAMBURGER BUTTON ===== */
.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 38px;
    height: 38px;
    padding: 8px;
    background: transparent;
    border: none;
    cursor: pointer;
    z-index: 1101;
}
.hamburger span {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: transform 0.35s cubic-bezier(.16,1,.3,1), opacity 0.25s;
    transform-origin: center;
}
/* When open: 3 lines -> X */
.hamburger.open span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
    background: var(--blue-light);
}
.hamburger.open span:nth-child(2) {
    opacity: 0;
}
.hamburger.open span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
    background: var(--blue-light);
}

/* ===== MOBILE FULL-SCREEN OVERLAY ===== */
.mobile-nav {
    position: fixed;
    inset: 0;
    z-index: 1100;
    background: var(--navy-900);
    display: flex;
    flex-direction: column;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-12px);
    transition: opacity 0.4s ease, transform 0.4s ease, visibility 0.4s;
}
.mobile-nav.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
/* decorative glow to match theme */
.mobile-nav::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 80% 0%, rgba(59,130,246,0.18), transparent 55%),
        radial-gradient(ellipse at 0% 100%, rgba(37,99,235,0.12), transparent 50%);
    pointer-events: none;
}
/* Top bar with logo + close, mirrors header padding */
.mobile-nav-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.4rem 1.5rem;
    border-bottom: 1px solid rgba(59,130,246,0.12);
    position: relative;
    z-index: 1;
}
.mobile-nav-close {
    width: 40px;
    height: 40px;
    display: grid;
    place-items: center;
    background: transparent;
    border: 1px solid rgba(59,130,246,0.3);
    color: var(--blue-light);
    font-size: 1.1rem;
    cursor: pointer;
    transition: transform 0.35s ease, border-color 0.3s, background 0.3s;
}
.mobile-nav-close:hover {
    transform: rotate(90deg);
    border-color: var(--blue-accent);
    background: rgba(59,130,246,0.1);
}
/* Links list */
.mobile-nav-links {
    flex: 1;
    list-style: none;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 0.25rem;
    padding: 1.5rem;
    position: relative;
    z-index: 1;
    overflow-y: auto;
}
.mobile-nav-links li {
    opacity: 0;
    transform: translateX(-20px);
    transition: opacity 0.4s ease, transform 0.4s ease;
}
.mobile-nav.open .mobile-nav-links li {
    opacity: 1;
    transform: translateX(0);
}
/* staggered entrance */
.mobile-nav.open .mobile-nav-links li:nth-child(1) { transition-delay: 0.12s; }
.mobile-nav.open .mobile-nav-links li:nth-child(2) { transition-delay: 0.18s; }
.mobile-nav.open .mobile-nav-links li:nth-child(3) { transition-delay: 0.24s; }
.mobile-nav.open .mobile-nav-links li:nth-child(4) { transition-delay: 0.30s; }
.mobile-nav.open .mobile-nav-links li:nth-child(5) { transition-delay: 0.36s; }
.mobile-nav.open .mobile-nav-links li:nth-child(6) { transition-delay: 0.42s; }
.mobile-nav-links a {
    display: flex;
    align-items: baseline;
    gap: 1rem;
    padding: 0.85rem 0;
    color: var(--white);
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.9rem;
    font-weight: 500;
    letter-spacing: 0.5px;
    border-bottom: 1px solid rgba(59,130,246,0.1);
    transition: color 0.3s, padding-left 0.3s;
}
.mobile-nav-links a .idx {
    font-family: 'Inter', sans-serif;
    font-size: 0.7rem;
    font-weight: 600;
    letter-spacing: 1px;
    color: var(--text-muted);
}
.mobile-nav-links a:hover,
.mobile-nav-links a:active {
    color: var(--blue-light);
    padding-left: 0.5rem;
}
/* Footer CTA inside overlay */
.mobile-nav-foot {
    padding: 1.5rem;
    position: relative;
    z-index: 1;
    border-top: 1px solid rgba(59,130,246,0.12);
}
.mobile-nav-foot .btn-luxury {
    width: 100%;
    justify-content: center;
    padding: 1.1rem;
}
.mobile-nav-foot .micro {
    text-align: center;
    margin-top: 1rem;
    font-size: 0.68rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
}
body.nav-locked { overflow: hidden; }

/* ===== MOBILE STICKY BOTTOM BAR ===== */
.mobile-cta-bar {
    display: none;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 900;
    background: rgba(10, 22, 40, 0.92);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-top: 1px solid rgba(59,130,246,0.25);
    padding: 0.7rem 1rem;
    padding-bottom: calc(0.7rem + env(safe-area-inset-bottom, 0px));
    align-items: center;
    gap: 0.85rem;
    transform: translateY(120%);
    transition: transform 0.4s cubic-bezier(.16,1,.3,1);
    box-shadow: 0 -10px 30px -12px rgba(0,0,0,0.5);
}
.mobile-cta-bar.show {
    transform: translateY(0);
}
.mobile-cta-info {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
    flex: 1;
    min-width: 0;
}
.mobile-cta-info .amt {
    font-family: 'DM Serif Display', serif;
    font-size: 1.25rem;
    color: var(--white);
    letter-spacing: -0.5px;
}
.mobile-cta-info .amt .d { color: var(--blue-light); }
.mobile-cta-info .sub {
    font-size: 0.6rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-top: 2px;
}
.mobile-cta-bar .btn-luxury {
    flex: none;
    padding: 0.95rem 1.5rem;
    font-size: 0.7rem;
    white-space: nowrap;
}

/* Mobile nav fits short screens (landscape phones) */
@media (max-height: 600px) {
    .mobile-nav-links { justify-content: flex-start; gap: 0; padding: 1rem 1.5rem; }
    .mobile-nav-links a { font-size: 1.4rem; padding: 0.6rem 0; }
    .mobile-nav-foot { padding: 1rem 1.5rem; }
    .mobile-nav-foot .micro { margin-top: 0.6rem; }
}

.btn-luxury {
    padding: 1rem 2.2rem;
    background: transparent;
    border: 1px solid var(--blue-accent);
    color: var(--blue-light);
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: all 0.4s;
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
}
.btn-luxury:hover {
    background: var(--blue-accent);
    color: var(--white);
}
.btn-luxury-fill {
    background: var(--blue-accent);
    color: var(--white);
}
.btn-luxury-fill:hover {
    background: var(--blue-hover);
    border-color: var(--blue-hover);
}

/* ========= HERO ========= */
.hero {
    min-height: 100vh;
    position: relative;
    display: flex;
    align-items: center;
    padding-top: 100px;
    overflow: hidden;
    background:
        linear-gradient(90deg, rgba(10, 22, 40, 0.92) 0%, rgba(10, 22, 40, 0.6) 35%, rgba(10, 22, 40, 0.1) 65%, rgba(10, 22, 40, 0) 100%),
        url('../images/hero.webp') center right/cover no-repeat;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 75% 35%, rgba(59, 130, 246, 0.2), transparent 55%);
    pointer-events: none;
    z-index: 0;
}

.hero-inner {
    width: 100%;
    padding: 8rem 5rem 6rem;
    position: relative;
    z-index: 2;
}

.hero-text {
    max-width: 800px;
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    background: rgba(59, 130, 246, 0.15);
    border: 1px solid rgba(59, 130, 246, 0.3);
    padding: 0.5rem 1rem;
    border-radius: 100px;
    font-size: 0.78rem;
    color: var(--blue-light);
    margin-bottom: 1.75rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    font-weight: 500;
}
.hero-tag .pulse {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--green-accent);
    box-shadow: 0 0 12px var(--green-accent);
    animation: pulse 2s infinite;
}
@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.hero h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 4.2rem;
    font-weight: 600;
    line-height: 1.08;
    letter-spacing: 0.5px;
    color: var(--white);
    margin-bottom: 2rem;
}
.hero h1 .ital {
    color: var(--white);
    font-weight: 500;
}
.hero h1 .amount {
    font-family: 'DM Serif Display', serif;
    font-style: italic;
    color: var(--gold);
    font-weight: 400;
    letter-spacing: -0.5px;
}

.hero-sub {
    font-size: 1.05rem;
    color: var(--text-light);
    line-height: 1.85;
    margin-bottom: 2.5rem;
    max-width: 520px;
    font-weight: 300;
}
.hero-sub b { color: var(--white); font-weight: 500; }

/* Hero amount range: from $200 — $5,000 */
.hero-amount-range {
    display: flex;
    align-items: baseline;
    gap: 0.4rem;
    margin-bottom: 2.5rem;
    flex-wrap: wrap;
}
.hero-amount-range .amount-from {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--text-muted);
    font-style: italic;
    margin-right: 0.3rem;
}
.hero-amount-range .amount-min {
    font-family: 'DM Serif Display', serif;
    font-size: 2.6rem;
    font-weight: 400;
    color: var(--white);
    line-height: 1;
    letter-spacing: -1px;
}
.hero-amount-range .amount-divider {
    color: var(--blue-light);
    font-size: 1.6rem;
    margin: 0 0.4rem;
    font-weight: 300;
}
.hero-amount-range .amount-max {
    font-family: 'DM Serif Display', serif;
    font-size: 3rem;
    font-weight: 400;
    color: var(--white);
    line-height: 1;
    letter-spacing: -1px;
}

.hero-cta {
    display: flex;
    gap: 1.25rem;
    margin-bottom: 3.5rem;
    flex-wrap: wrap;
}

.hero-stats {
    display: flex;
    gap: 4rem;
    padding-top: 2.5rem;
    border-top: 1px solid rgba(59,130,246,0.2);
}
.stat h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 2.6rem;
    font-weight: 400;
    color: var(--blue-light);
    margin-bottom: 0.4rem;
    line-height: 1;
    letter-spacing: -0.5px;
}
.stat p {
    font-size: 0.68rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
}

/* HERO VISUAL CARD */
.hero-visual {
    position: relative;
    padding: 1rem;
}
.amount-card {
    background: linear-gradient(145deg, rgba(15,31,58,0.95), rgba(20,38,74,0.85));
    backdrop-filter: blur(20px);
    border: 1px solid rgba(59,130,246,0.25);
    padding: 2.5rem;
    position: relative;
    overflow: hidden;
}
.amount-card::before {
    content: '';
    position: absolute;
    top: 0; right: 0;
    width: 250px; height: 250px;
    background: radial-gradient(circle, rgba(59,130,246,0.18), transparent 70%);
    pointer-events: none;
}

.ac-corner {
    position: absolute;
    width: 16px; height: 16px;
    border: 1px solid var(--blue-accent);
}
.ac-corner.tl { top: 10px; left: 10px; border-right: none; border-bottom: none; }
.ac-corner.tr { top: 10px; right: 10px; border-left: none; border-bottom: none; }
.ac-corner.bl { bottom: 10px; left: 10px; border-right: none; border-top: none; }
.ac-corner.br { bottom: 10px; right: 10px; border-left: none; border-top: none; }

.ac-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 2.5rem;
    position: relative;
    z-index: 1;
}
.ac-head .label {
    font-size: 0.65rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--text-muted);
}
.ac-head .badge {
    font-size: 0.65rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--green-accent);
    border: 1px solid rgba(16,185,129,0.3);
    padding: 0.4rem 0.85rem;
}
.ac-head .badge i { margin-right: 0.4rem; }

.ac-label {
    font-size: 0.7rem;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.5rem;
    position: relative;
    z-index: 1;
}
.ac-amount {
    font-family: 'DM Serif Display', serif;
    font-size: 5.5rem;
    font-weight: 400;
    line-height: 1;
    color: var(--white);
    letter-spacing: -2px;
    position: relative;
    z-index: 1;
}
.ac-amount .d {
    color: var(--blue-light);
    font-style: italic;
    font-weight: 400;
}
.ac-range {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(59,130,246,0.15);
    position: relative;
    z-index: 1;
}

.ac-meter {
    margin-top: 1.5rem;
    position: relative;
    z-index: 1;
}
.ac-meter-bar {
    height: 4px;
    background: rgba(59,130,246,0.15);
    position: relative;
    overflow: hidden;
}
.ac-meter-fill {
    position: absolute;
    inset: 0 0 0 0;
    width: 0;
    background: linear-gradient(90deg, var(--blue-light), var(--blue-accent));
    animation: fillMeter 2.5s ease-out forwards;
}
@keyframes fillMeter {
    to { width: 95%; }
}
.ac-meter-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-size: 0.65rem;
    letter-spacing: 1.5px;
    color: var(--text-muted);
    text-transform: uppercase;
}

.ac-stats {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 1rem;
    margin-top: 2rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(59,130,246,0.15);
    position: relative;
    z-index: 1;
}
.ac-stat-num {
    font-family: 'DM Serif Display', serif;
    font-size: 1.7rem;
    font-weight: 400;
    color: var(--blue-light);
    line-height: 1;
    letter-spacing: -0.5px;
}
.ac-stat-label {
    font-size: 0.6rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-top: 0.4rem;
}

/* Floating notification */
.hv-float {
    position: absolute;
    background: var(--white);
    color: var(--text-dark);
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.85rem;
    box-shadow: 0 25px 50px -15px rgba(0,0,0,0.5);
    z-index: 3;
}
.hv-float-1 {
    top: -10px; left: -25px;
    animation: float1 5s ease-in-out infinite;
}
.hv-float-2 {
    bottom: 20px; right: -30px;
    animation: float2 6s ease-in-out infinite;
}
@keyframes float1 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-12px)} }
@keyframes float2 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(10px)} }
.hv-float-icon {
    width: 36px; height: 36px;
    background: var(--green-accent);
    color: var(--white);
    display: grid; place-items: center;
    font-size: 0.9rem;
}
.hv-float-2 .hv-float-icon { background: var(--blue-accent); }
.hv-float .title {
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy-900);
    letter-spacing: 0;
}
.hv-float .sub {
    font-size: 0.7rem;
    color: var(--text-dark-muted);
    margin-top: 1px;
    letter-spacing: 1px;
    text-transform: uppercase;
}

/* ========= FEATURES STRIP ========= */
.features {
    padding: 5rem 4rem;
    background: var(--navy-800);
    border-top: 1px solid rgba(59,130,246,0.1);
    border-bottom: 1px solid rgba(59,130,246,0.1);
}
.features-container {
    max-width: 1400px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(4,1fr);
}
.feature-item {
    padding: 2rem;
    text-align: center;
    border-right: 1px solid rgba(59,130,246,0.18);
}
.feature-item:last-child { border-right: none; }
.feature-icon {
    font-size: 1.6rem;
    color: var(--blue-light);
    margin-bottom: 1.25rem;
}
.feature-item h4 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.1rem;
    font-weight: 600;
    letter-spacing: 2.5px;
    margin-bottom: 0.75rem;
    color: var(--white);
}
.feature-item p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.7;
}

/* ========= SECTION SHARED ========= */
.section {
    padding: 8rem 4rem;
    position: relative;
}
.container { max-width: 1400px; margin: 0 auto; }
.section-header {
    text-align: center;
    margin-bottom: 5rem;
}
.section-header .line {
    width: 40px;
    height: 1px;
    background: var(--blue-accent);
    margin: 0 auto 1.5rem;
}
.section-header .eyebrow {
    font-size: 0.72rem;
    letter-spacing: 4px;
    text-transform: uppercase;
    color: var(--blue-light);
    display: block;
    margin-bottom: 1.25rem;
}
.section-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.75rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    color: var(--white);
    line-height: 1.15;
    max-width: 800px;
    margin: 0 auto 1rem;
}
.section-header h2 .ital {
    font-style: italic;
    color: var(--blue-light);
    font-weight: 400;
}
.section-header > p {
    font-size: 0.95rem;
    color: var(--text-muted);
    max-width: 560px;
    margin: 0 auto;
    line-height: 1.7;
}

/* light variant */
.section.tone-light { background: var(--bg-light); color: var(--text-dark); }
.section.tone-light .section-header h2 { color: var(--text-dark); }
.section.tone-light .section-header > p { color: var(--text-dark-muted); }

/* ========= AMOUNTS TIERS ========= */
.amounts-section { background: var(--navy-900); }
.amounts-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}
.amt-card {
    background: var(--navy-800);
    border: 1px solid rgba(59,130,246,0.15);
    padding: 2.5rem 2rem;
    position: relative;
    transition: all 0.4s;
    overflow: hidden;
}
.amt-card:hover {
    border-color: rgba(59,130,246,0.5);
    transform: translateY(-4px);
}
.amt-card.featured {
    border-color: var(--blue-accent);
    background: linear-gradient(145deg, var(--navy-700), var(--navy-800));
}
.amt-card.featured::before {
    content: 'MOST CHOSEN';
    position: absolute;
    top: 1rem; right: 1rem;
    font-size: 0.6rem;
    letter-spacing: 1.5px;
    color: var(--gold);
    border: 1px solid rgba(201,168,108,0.4);
    padding: 0.3rem 0.6rem;
}
.amt-tier-label {
    font-size: 0.7rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--blue-light);
    margin-bottom: 1.25rem;
}
.amt-card .amt {
    font-family: 'DM Serif Display', serif;
    font-size: 3.4rem;
    font-weight: 400;
    color: var(--white);
    line-height: 1;
    letter-spacing: -1.5px;
}
.amt-card .amt .d {
    color: var(--blue-light);
    font-style: italic;
    font-weight: 400;
}
.amt-card .desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.7;
    margin-top: 1.5rem;
    font-weight: 300;
}
.amt-card .term {
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(59,130,246,0.12);
}
.amt-card .term i { color: var(--blue-light); margin-right: 0.5rem; }

/* ========= HOW IT WORKS ========= */
.how-section { background: var(--bg-light); color: var(--text-dark); }
.how-section .section-header h2 { color: var(--text-dark); }
.how-section .section-header > p { color: var(--text-dark-muted); }
.how-section .section-header .eyebrow { color: var(--blue-accent); }

.how-grid {
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
    gap: 5rem;
    align-items: center;
}
.how-img {
    position: relative;
    aspect-ratio: 4/5;
    overflow: hidden;
}
.how-img img {
    width: 100%; height: 100%;
    object-fit: cover;
}

.how-steps { display: flex; flex-direction: column; gap: 2.5rem; }
.step {
    display: flex;
    gap: 1.75rem;
    padding-bottom: 2.5rem;
    border-bottom: 1px solid rgba(26,34,56,0.1);
}
.step:last-child { border-bottom: none; padding-bottom: 0; }
.step-num {
    flex: none;
    width: 56px; height: 56px;
    border: 1px solid var(--blue-accent);
    display: grid; place-items: center;
    font-family: 'DM Serif Display', serif;
    font-size: 1.5rem;
    color: var(--blue-accent);
    font-weight: 400;
}
.step h4 {
    font-family: 'Inter', sans-serif;
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--navy-900);
    letter-spacing: 0;
    margin-bottom: 0.5rem;
}
.step p {
    font-size: 0.95rem;
    color: var(--text-dark-muted);
    line-height: 1.7;
    font-weight: 400;
}
.step .time {
    display: inline-block;
    margin-top: 0.75rem;
    font-size: 0.7rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--blue-accent);
}

/* ========= USE CASES ========= */
.uses-section { background: var(--navy-900); }
.uses-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.use-card {
    background: var(--navy-800);
    border: 1px solid rgba(59,130,246,0.12);
    padding: 2.5rem 2rem;
    transition: all 0.4s;
    position: relative;
    overflow: hidden;
}
.use-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 0;
    height: 1px;
    background: var(--blue-accent);
    transition: width 0.5s;
}
.use-card:hover::before { width: 100%; }
.use-card:hover {
    border-color: rgba(59,130,246,0.35);
    background: var(--navy-700);
}
.use-card i {
    font-size: 1.5rem;
    color: var(--blue-light);
    margin-bottom: 1.5rem;
}
.use-card h4 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.5rem;
    font-weight: 500;
    color: var(--white);
    letter-spacing: 0.5px;
    margin-bottom: 0.75rem;
}
.use-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.7;
    font-weight: 300;
}

/* ========= TESTIMONIALS ========= */
.testi-section { background: var(--bg-light); }
.testi-section .section-header h2 { color: var(--text-dark); }
.testi-section .section-header > p { color: var(--text-dark-muted); }
.testi-section .section-header .eyebrow { color: var(--blue-accent); }
.testi-grid {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 1.5rem;
    row-gap: 1.5rem;
}
.tcard {
    background: var(--white);
    border: 1px solid rgba(26,34,56,0.08);
    padding: 2.5rem;
    display: flex;
    flex-direction: column;
    transition: all 0.4s;
}
.tcard:hover {
    border-color: var(--blue-accent);
    transform: translateY(-4px);
    box-shadow: 0 25px 50px -20px rgba(10,22,40,0.15);
}
.tcard .stars {
    color: var(--gold);
    font-size: 0.85rem;
    letter-spacing: 4px;
    margin-bottom: 1.5rem;
}
.tcard blockquote {
    font-family: 'Inter', sans-serif;
    font-size: 0.98rem;
    font-weight: 400;
    line-height: 1.7;
    color: var(--text-dark);
    margin-bottom: 2rem;
    font-style: normal;
    flex: 1;
}
.tcard blockquote::before { content: '\201C '; color: var(--blue-accent); font-size: 1.5rem;}
.tcard blockquote b {
    color: var(--blue-accent);
    font-weight: 600;
    font-style: normal;
}
.tperson {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(26,34,56,0.1);
}
.tav {
    width: 44px; height: 44px;
    border: 1px solid var(--blue-accent);
    display: grid; place-items: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--blue-accent);
    letter-spacing: 0.5px;
    flex: none;
}
.tname {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--navy-900);
    letter-spacing: 0.5px;
}
.tloc {
    font-size: 0.72rem;
    color: var(--text-dark-muted);
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-top: 0.25rem;
}

/* ========= COMPARE ========= */
.compare-section { background: var(--navy-900); }
.compare-grid {
    display: grid;
    grid-template-columns: repeat(2,1fr);
    gap: 2rem;
    margin-top: 4rem;
}
.cmp {
    padding: 3rem;
    border: 1px solid rgba(59,130,246,0.15);
    background: var(--navy-800);
}
.cmp.win {
    background: linear-gradient(145deg, var(--navy-700), var(--navy-800));
    border-color: var(--blue-accent);
    position: relative;
    overflow: hidden;
}
.cmp.win::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at top right, rgba(59,130,246,0.12), transparent 60%);
    pointer-events: none;
}
.cmp-tag {
    font-size: 0.7rem;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.75rem;
    position: relative;
    z-index: 1;
}
.cmp.win .cmp-tag { color: var(--blue-light); }
.cmp h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.8rem;
    font-weight: 500;
    color: var(--white);
    letter-spacing: 1px;
    margin-bottom: 2rem;
    position: relative;
    z-index: 1;
}
.cmp ul { list-style: none; position: relative; z-index: 1; }
.cmp li {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1rem 0;
    border-bottom: 1px solid rgba(59,130,246,0.08);
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
    font-weight: 300;
}
.cmp li:last-child { border-bottom: none; }
.cmp li i {
    flex: none;
    width: 24px; height: 24px;
    border: 1px solid;
    display: grid; place-items: center;
    font-size: 0.7rem;
}
.cmp li i.x {
    color: #e57373;
    border-color: rgba(229,115,115,0.4);
}
.cmp.win li i {
    color: var(--blue-light);
    border-color: rgba(59,130,246,0.4);
}

/* ========= FAQ ========= */
.faq-section { background: var(--bg-light); }
.faq-section .section-header h2 { color: var(--text-dark); }
.faq-section .section-header > p { color: var(--text-dark-muted); }
.faq-section .section-header .eyebrow { color: var(--blue-accent); }
.faq-list {
    max-width: 880px;
    margin: 0 auto;
}
.faq-item {
    border-bottom: 1px solid rgba(26,34,56,0.1);
    padding: 1.75rem 0;
    cursor: pointer;
}
.faq-item summary {
    list-style: none;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1.5rem;
    font-family: 'Inter', sans-serif;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--navy-900);
    letter-spacing: 0;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
    content: '+';
    flex: none;
    width: 36px; height: 36px;
    border: 1px solid var(--blue-accent);
    display: grid; place-items: center;
    font-size: 1.25rem;
    color: var(--blue-accent);
    font-weight: 300;
    transition: all 0.3s;
}
.faq-item[open] summary::after {
    content: '−';
    background: var(--blue-accent);
    color: var(--white);
}
.faq-item p {
    margin-top: 1rem;
    font-size: 0.95rem;
    color: var(--text-dark-muted);
    line-height: 1.75;
    max-width: 760px;
    font-weight: 300;
}

/* ========= COMPARISON TABLE ========= */
.table-section { background: var(--bg-light); }
.table-section .section-header h2 { color: var(--text-dark); }
.table-section .section-header > p { color: var(--text-dark-muted); }
.table-section .section-header .eyebrow { color: var(--blue-accent); }

.compare-table-wrap {
    margin-top: 5rem;
    position: relative;
    overflow: visible;
}

.compare-table-scroll {
    background: var(--white);
    box-shadow: 0 20px 50px -25px rgba(10,22,40,0.25);
    border: 1px solid rgba(26,34,56,0.08);
    overflow: visible;
}

/* Floating RECOMMENDED badge — anchored to MLC column, centered automatically */
.compare-table thead th.mlc-col {
    position: relative;
}
.recommend-badge {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translate(-50%, -50%);
    z-index: 5;
    background: var(--navy-900);
    color: var(--blue-light);
    padding: 0.55rem 1.4rem;
    font-size: 0.7rem;
    font-weight: 600;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    border: 1px solid var(--blue-accent);
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.recommend-badge::before {
    content: '★';
    color: var(--blue-light);
    font-size: 0.85rem;
}

.compare-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 720px;
}
.compare-table thead th {
    background: #eef1f7;
    color: var(--text-dark-muted);
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    padding: 1.75rem 1.5rem 1.25rem;
    text-align: center;
    border-bottom: 1px solid rgba(26,34,56,0.1);
}
.compare-table thead th:first-child {
    text-align: left;
}
.compare-table thead th.mlc-col {
    background: var(--navy-900);
    color: var(--white);
    font-weight: 700;
    letter-spacing: 3px;
    border-bottom-color: var(--navy-700);
}
.compare-table tbody td {
    padding: 1.4rem 1.5rem;
    border-bottom: 1px solid rgba(26,34,56,0.06);
    color: var(--text-dark-muted);
    font-size: 0.93rem;
    font-weight: 400;
    vertical-align: middle;
    text-align: center;
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody td:first-child {
    font-family: 'Inter', sans-serif;
    color: var(--navy-900);
    font-weight: 600;
    font-size: 0.93rem;
    letter-spacing: 0;
    width: 28%;
    text-align: left;
}
.compare-table tbody td.mlc-cell {
    background: #f4f7fc;
    color: var(--navy-900);
    font-weight: 500;
    border-left: 1px solid rgba(37,99,235,0.12);
    border-right: 1px solid rgba(37,99,235,0.12);
    border-bottom-color: rgba(37,99,235,0.1);
}
.compare-table tbody td.mlc-cell strong {
    color: var(--blue-accent);
    font-weight: 700;
}
.compare-table tbody td .yes,
.compare-table tbody td .no {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.compare-table tbody td .yes i {
    color: var(--green-accent);
    font-size: 0.85rem;
}
.compare-table tbody td .no i {
    color: #e57373;
    font-size: 0.85rem;
}
.compare-table tbody tr:hover td:not(.mlc-cell):not(:first-child) {
    background: #fafbfd;
}

/* ========= BLOG SECTION ========= */
.blog-section { background: var(--navy-900); }

.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 4rem;
}
.blog-card {
    background: var(--navy-800);
    border: 1px solid rgba(59,130,246,0.12);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transition: all 0.4s;
    cursor: pointer;
}
.blog-card:hover {
    transform: translateY(-6px);
    border-color: var(--blue-accent);
    background: var(--navy-700);
    box-shadow: 0 25px 50px -20px rgba(0,0,0,0.5);
}
.blog-image {
    width: 100%;
    aspect-ratio: 16/10;
    background: var(--navy-700);
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid rgba(59,130,246,0.12);
}
.blog-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s cubic-bezier(.16,1,.3,1);
}
.blog-card:hover .blog-image img {
    transform: scale(1.06);
}
.blog-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(10,22,40,0) 40%, rgba(10,22,40,0.55) 100%);
    pointer-events: none;
}

.blog-body {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    flex: 1;
}
.blog-meta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
}
.blog-tag {
    font-size: 0.65rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 600;
    padding: 0.3rem 0.65rem;
    border: 1px solid rgba(59,130,246,0.3);
    background: rgba(59,130,246,0.1);
}
.blog-date {
    font-size: 0.72rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
}
.blog-card h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.55rem;
    font-weight: 500;
    color: var(--white);
    letter-spacing: 0.3px;
    line-height: 1.25;
    margin-bottom: 0.85rem;
}
.blog-excerpt {
    font-size: 0.92rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 1.5rem;
    flex: 1;
    font-weight: 300;
}
.blog-read {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 600;
    margin-top: auto;
    transition: gap 0.3s, color 0.3s;
}
.blog-card:hover .blog-read {
    gap: 0.85rem;
    color: var(--white);
}

/* ========= LOAN CALCULATOR ========= */
.calc-section {
    background: var(--navy-800);
    border-top: 1px solid rgba(59,130,246,0.1);
    border-bottom: 1px solid rgba(59,130,246,0.1);
}
.calc-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 4rem;
    margin-top: 4rem;
    align-items: stretch;
}
.calc-controls {
    display: flex;
    flex-direction: column;
    gap: 2.5rem;
}
.calc-field-head {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 1.25rem;
}
.calc-field-head label {
    font-size: 0.72rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--text-muted);
    font-weight: 600;
}
.calc-field-head .value {
    font-family: 'DM Serif Display', serif;
    font-size: 1.9rem;
    color: var(--blue-light);
    line-height: 1;
    letter-spacing: -0.5px;
}
.calc-field-head .value .unit {
    font-family: 'Inter', sans-serif;
    font-size: 0.85rem;
    color: var(--text-muted);
    font-weight: 400;
    letter-spacing: 0;
    margin-left: 0.25rem;
}

/* Range slider */
.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 4px;
    border-radius: 2px;
    background: rgba(59,130,246,0.2);
    outline: none;
    cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--blue-accent);
    border: 3px solid var(--navy-900);
    box-shadow: 0 0 0 1px var(--blue-accent), 0 4px 12px rgba(37,99,235,0.5);
    cursor: pointer;
    transition: transform 0.15s;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--blue-accent);
    border: 3px solid var(--navy-900);
    box-shadow: 0 0 0 1px var(--blue-accent);
    cursor: pointer;
}
.calc-range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.85rem;
    font-size: 0.72rem;
    color: var(--text-muted);
    letter-spacing: 1px;
}

/* Term selector buttons */
.calc-term-options {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0.75rem;
}
.calc-term-btn {
    padding: 0.9rem 0.5rem;
    background: transparent;
    border: 1px solid rgba(59,130,246,0.25);
    color: var(--text-light);
    font-family: 'Inter', sans-serif;
    font-size: 0.85rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.3s;
    text-align: center;
}
.calc-term-btn:hover { border-color: var(--blue-accent); }
.calc-term-btn.active {
    background: var(--blue-accent);
    border-color: var(--blue-accent);
    color: var(--white);
    font-weight: 600;
}

/* Result panel */
.calc-result {
    background: linear-gradient(160deg, var(--navy-700), var(--navy-900));
    border: 1px solid rgba(59,130,246,0.3);
    padding: 3rem 2.5rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
    overflow: hidden;
}
.calc-result::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -20%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(59,130,246,0.18), transparent 60%);
    pointer-events: none;
}
.calc-result-label {
    font-size: 0.72rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.75rem;
    position: relative;
    z-index: 1;
}
.calc-result-amount {
    font-family: 'DM Serif Display', serif;
    font-size: 4rem;
    color: var(--white);
    line-height: 1;
    letter-spacing: -2px;
    margin-bottom: 0.5rem;
    position: relative;
    z-index: 1;
}
.calc-result-amount .d { color: var(--blue-light); }
.calc-result-period {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 2rem;
    position: relative;
    z-index: 1;
}
.calc-breakdown {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(59,130,246,0.15);
    margin-bottom: 2rem;
    position: relative;
    z-index: 1;
}
.calc-breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.9rem;
}
.calc-breakdown-row .k { color: var(--text-muted); }
.calc-breakdown-row .v {
    color: var(--white);
    font-weight: 500;
}
.calc-result .btn-luxury {
    justify-content: center;
    width: 100%;
    position: relative;
    z-index: 1;
}
.calc-disclaimer {
    font-size: 0.72rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-top: 1.25rem;
    position: relative;
    z-index: 1;
    opacity: 0.8;
}

/* ========= CTA FINAL ========= */
.cta {
    padding: 5rem 4rem;
    background: var(--navy-700);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at center, rgba(59,130,246,0.18), transparent 60%);
    pointer-events: none;
}
.cta-inner {
    max-width: 680px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}
.cta .eyebrow {
    display: block;
    font-size: 0.72rem;
    letter-spacing: 4px;
    text-transform: uppercase;
    color: var(--blue-light);
    margin-bottom: 1.25rem;
}
.cta h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.6rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    color: var(--white);
    margin-bottom: 1.25rem;
    line-height: 1.1;
}
.cta h2 .ital {
    font-style: italic;
    color: var(--blue-light);
    font-weight: 400;
}
.cta > .cta-inner p {
    font-size: 1rem;
    color: var(--text-light);
    margin-bottom: 2rem;
    line-height: 1.7;
    font-weight: 300;
}
.cta .small {
    margin-top: 1.25rem;
    font-size: 0.7rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
}

/* ========= FOOTER ========= */
footer {
    background: var(--navy-900);
    padding: 5rem 4rem 2rem;
    border-top: 1px solid rgba(59,130,246,0.15);
}
.footer-inner { max-width: 1400px; margin: 0 auto; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 3rem;
    padding-bottom: 3rem;
    border-bottom: 1px solid rgba(59,130,246,0.1);
}
.footer-brand .logo { margin-bottom: 1.5rem; }
.footer-brand p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.8;
    max-width: 340px;
    font-weight: 300;
}
.footer-social {
    display: flex;
    gap: 0.75rem;
    margin-top: 1.75rem;
}
.footer-social a {
    width: 40px;
    height: 40px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(59,130,246,0.25);
    color: var(--text-muted);
    font-size: 0.9rem;
    transition: all 0.3s;
}
.footer-social a:hover {
    border-color: var(--blue-accent);
    background: var(--blue-accent);
    color: var(--white);
    transform: translateY(-3px);
}
.footer-col h5 {
    font-family: 'Inter', sans-serif;
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 2.5px;
    text-transform: uppercase;
    margin-bottom: 1.5rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.85rem; }
.footer-col a {
    font-size: 0.85rem;
    color: var(--text-muted);
    letter-spacing: 0.5px;
    transition: color 0.3s;
}
.footer-col a:hover { color: var(--blue-light); }

.disclaimer {
    margin-top: 2.5rem;
    font-size: 0.75rem;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 1000px;
    font-weight: 300;
    opacity: 0.7;
}
.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 2.5rem;
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
    gap: 2rem;
    flex-wrap: wrap;
}

/* Fade animation */
.fade-up {
    opacity: 0;
    transform: translateY(40px);
    transition: all 1s cubic-bezier(.16,1,.3,1);
}
.fade-up.in { opacity: 1; transform: none; }

/* ========= RESPONSIVE ========= */

/* ---- TABLET & MOBILE (≤992px) ---- */
@media (max-width: 992px) {
    /* HEADER */
    header { padding: 1.25rem 1.5rem; top: 32px; }
    header.scrolled { padding: 0.85rem 1.5rem; }
    .announce { font-size: 0.62rem; padding: 0.5rem 1rem; letter-spacing: 1.5px; }
    .nav-menu { display: none; }
    header > .btn-luxury { display: none; }
    .hamburger { display: flex; }
    .mobile-cta-bar { display: flex; }
    footer { padding-bottom: 6rem; }

    /* HERO */
    .hero {
        min-height: auto;
        padding-top: 110px;
        background:
            linear-gradient(180deg, rgba(10, 22, 40, 0.94) 0%, rgba(10, 22, 40, 0.8) 55%, rgba(10, 22, 40, 0.7) 100%),
            url('../images/hero.webp') 75% center/cover no-repeat;
    }
    .hero-inner { padding: 3rem 2rem 4rem; }
    .hero h1 { font-size: 2.8rem; }
    .hero-sub { font-size: 1rem; }
    .hero-stats { flex-wrap: wrap; gap: 2.5rem; }

    /* FEATURES STRIP */
    .features { padding: 3rem 2rem; }
    .features-container { grid-template-columns: repeat(2, 1fr); }
    .feature-item:nth-child(odd){ border-right: 1px solid rgba(59,130,246,0.18); }
    .feature-item:nth-child(even){ border-right: none; }
    .feature-item { border-bottom: 1px solid rgba(59,130,246,0.18); }
    .feature-item:nth-last-child(-n+2){ border-bottom: none; }

    /* SECTION SHARED */
    .section { padding: 5rem 2rem; }
    .section-header { margin-bottom: 3.5rem; }
    .section-header h2 { font-size: 2rem; }
    .section-header > p { font-size: 0.9rem; }

    /* LOAN AMOUNTS */
    .amounts-grid { grid-template-columns: repeat(2, 1fr); }

    /* HOW IT WORKS */
    .how-grid { grid-template-columns: 1fr; gap: 3rem; }
    .how-img { max-width: 480px; margin: 0 auto; width: 100%; }

    /* USE CASES */
    .uses-grid { grid-template-columns: repeat(2, 1fr); }

    /* CALCULATOR */
    .calc-grid { grid-template-columns: 1fr; gap: 2.5rem; }
    .calc-result-amount { font-size: 3.2rem; }

    /* TESTIMONIALS */
    .testi-grid { grid-template-columns: 1fr 1fr; }

    /* COMPARE */
    .compare-grid { grid-template-columns: 1fr; }
    .cmp { padding: 2rem; }

    /* COMPARISON TABLE */
    .compare-table-scroll {
        overflow-x: auto;
        overflow-y: visible;
        padding-top: 16px;            /* room so the badge sits inside, not clipped */
    }
    /* anchor badge to the wrap (centered over visible area) instead of MLC column */
    .compare-table thead th.mlc-col { position: static; }
    .compare-table-wrap { position: relative; }
    .recommend-badge {
        top: 0;
        left: 50%;
        transform: translate(-50%, -50%);
        font-size: 0.55rem;
        letter-spacing: 1.5px;
        padding: 0.4rem 0.9rem;
    }
    .recommend-badge::before { font-size: 0.7rem; }
    .compare-table thead th,
    .compare-table tbody td { padding: 1rem 1rem; font-size: 0.85rem; }
    .compare-table thead th { padding-top: 1.25rem; }

    /* BLOG */
    .blog-grid { grid-template-columns: 1fr 1fr; }

    /* CTA */
    .cta { padding: 3.5rem 2rem; }
    .cta h2 { font-size: 1.9rem; }

    /* FOOTER */
    .footer-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1.5rem;
    }
    .footer-brand { grid-column: 1 / -1; }
    .footer-col h5 { font-size: 0.7rem; letter-spacing: 1.5px; margin-bottom: 1rem; }
    .footer-col a { font-size: 0.8rem; }
    footer { padding: 4rem 2rem 2rem; }
    .footer-bottom { flex-direction: column; align-items: flex-start; gap: 0.5rem; text-align: left; }
}

/* ---- PHONE (≤640px) ---- */
@media (max-width: 640px) {
    /* HERO */
    .hero-inner { padding: 2.5rem 1.5rem 3.5rem; }
    .hero-tag { font-size: 0.68rem; padding: 0.45rem 0.85rem; letter-spacing: 1.5px; }
    .hero h1 { font-size: 2.3rem; line-height: 1.12; }
    .hero-sub { font-size: 0.95rem; line-height: 1.7; }
    .hero-amount-range { margin-bottom: 2rem; }
    .hero-amount-range .amount-from { font-size: 1.1rem; }
    .hero-amount-range .amount-min { font-size: 2.1rem; }
    .hero-amount-range .amount-max { font-size: 2.4rem; }
    .hero-cta { flex-direction: column; align-items: stretch; gap: 0.85rem; width: 100%; }
    .hero-cta .btn-luxury { width: 100%; justify-content: center; }
    .hero-stats {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 1rem;
        padding-top: 2rem;
    }
    .stat h3 { font-size: 1.7rem; }
    .stat p { font-size: 0.58rem; letter-spacing: 1px; }

    /* SECTION */
    .section { padding: 4rem 1.5rem; }
    .section-header { margin-bottom: 3rem; }
    .section-header h2 { font-size: 1.75rem; }
    .section-header .eyebrow { font-size: 0.66rem; letter-spacing: 3px; }

    /* FEATURES — stack to single column */
    .features { padding: 2.5rem 1.5rem; }
    .features-container { grid-template-columns: 1fr; }
    .feature-item { border-right: none !important; border-bottom: 1px solid rgba(59,130,246,0.18); padding: 1.75rem 1rem; }
    .feature-item:last-child { border-bottom: none; }

    /* LOAN AMOUNTS — single column */
    .amounts-grid { grid-template-columns: 1fr; gap: 1rem; }
    .amt-card { padding: 2rem 1.75rem; }
    .amt-card .amt { font-size: 3rem; }

    /* HOW IT WORKS */
    .how-grid { gap: 2.5rem; }
    .step { gap: 1.25rem; padding-bottom: 2rem; }
    .step-num { width: 46px; height: 46px; font-size: 1.2rem; }
    .step h4 { font-size: 1.1rem; }
    .step p { font-size: 0.9rem; }

    /* USE CASES — single column */
    .uses-grid { grid-template-columns: 1fr; }
    .use-card { padding: 2rem 1.75rem; }
    .use-card h4 { font-size: 1.35rem; }

    /* CALCULATOR */
    .calc-result { padding: 2.25rem 1.75rem; }
    .calc-result-amount { font-size: 2.8rem; }
    .calc-field-head .value { font-size: 1.6rem; }
    .calc-term-options { gap: 0.5rem; }
    .calc-term-btn { padding: 0.75rem 0.4rem; font-size: 0.78rem; }

    /* TESTIMONIALS — single column */
    .testi-grid { grid-template-columns: 1fr; }
    .tcard { padding: 2rem; }

    /* COMPARE */
    .cmp { padding: 1.75rem 1.5rem; }
    .cmp h3 { font-size: 1.5rem; }
    .cmp li { font-size: 0.88rem; }

    /* BLOG — single column */
    .blog-grid { grid-template-columns: 1fr; }
    .blog-body { padding: 1.75rem; }
    .blog-card h3 { font-size: 1.4rem; }

    /* FAQ */
    .faq-item summary { font-size: 0.98rem; gap: 1rem; }
    .faq-item summary::after { width: 30px; height: 30px; font-size: 1.1rem; }
    .faq-item p { font-size: 0.9rem; }

    /* CTA */
    .cta { padding: 3rem 1.5rem; }
    .cta h2 { font-size: 1.7rem; }
    .cta > .cta-inner p { font-size: 0.92rem; }
    .cta .btn-luxury { width: 100%; justify-content: center; }

    /* FOOTER — stack columns to single, keep readable */
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem 1.5rem; }
    .footer-col h5 { font-size: 0.68rem; letter-spacing: 1.5px; }
    .footer-col a { font-size: 0.82rem; }
    .footer-brand p { font-size: 0.85rem; }
    .disclaimer { font-size: 0.7rem; }
}

/* ---- SMALL PHONE (≤380px) ---- */
@media (max-width: 380px) {
    .hero h1 { font-size: 2rem; }
    .hero h1 .h1-br { display: none; }
    .section-header h2 { font-size: 1.55rem; }
    .stat h3 { font-size: 1.5rem; }
    .footer-grid { grid-template-columns: 1fr; gap: 1.75rem; }
}
@media (max-width: 640px) {
    .announce-extra { display: none; }
}

/* ============================================
   HOW IT WORKS — SEPARATE PAGE
   ============================================ */

/* Sub-page hero (shorter than home hero) */
.subhero {
    position: relative;
    padding: 11rem 5rem 5rem 8rem;
    background: var(--navy-900);
    overflow: hidden;
}
.subhero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 80% 20%, rgba(59,130,246,0.15), transparent 55%);
    pointer-events: none;
}
.subhero-inner {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
}
.subhero-inner > * { max-width: 760px; }
.subhero .breadcrumb {
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
}
.subhero .breadcrumb a { color: var(--blue-light); }
.subhero .breadcrumb a:hover { color: var(--white); }
.subhero h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 3.6rem;
    font-weight: 600;
    line-height: 1.08;
    color: var(--white);
    letter-spacing: 0.5px;
    margin-bottom: 1.5rem;
}
.subhero h1 .ital { font-style: italic; color: var(--blue-light); font-weight: 400; }
.subhero p {
    font-size: 1.1rem;
    color: var(--text-light);
    line-height: 1.8;
    font-weight: 300;
    max-width: 600px;
    margin-bottom: 2.5rem;
}
.subhero-meta {
    display: flex;
    gap: 3rem;
    padding-top: 2.5rem;
    border-top: 1px solid rgba(59,130,246,0.2);
}
.subhero-meta .m-num {
    font-family: 'DM Serif Display', serif;
    font-size: 2.2rem;
    color: var(--blue-light);
    line-height: 1;
}
.subhero-meta .m-label {
    font-size: 0.68rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-top: 0.4rem;
}

/* Step detail sections (alternating) */
.step-detail {
    padding: 7rem 5rem;
}
.step-detail:nth-child(even) { background: var(--bg-light); }
.step-detail-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: center;
}
.step-detail:nth-child(even) .step-detail-text { order: 2; }
.step-detail-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 64px; height: 64px;
    border: 1px solid var(--blue-accent);
    font-family: 'DM Serif Display', serif;
    font-size: 1.8rem;
    color: var(--blue-accent);
    margin-bottom: 1.75rem;
}
.step-detail:nth-child(even) .step-detail-num { background: var(--blue-accent); color: var(--white); }
.step-detail .eyebrow {
    display: block;
    font-size: 0.72rem;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--blue-light);
    margin-bottom: 1rem;
}
.step-detail:nth-child(even) .eyebrow { color: var(--blue-accent); }
.step-detail h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.4rem;
    font-weight: 600;
    line-height: 1.15;
    color: var(--white);
    margin-bottom: 1.5rem;
    letter-spacing: 0.5px;
}
.step-detail:nth-child(even) h2 { color: var(--navy-900); }
.step-detail h2 .ital { font-style: italic; color: var(--blue-light); font-weight: 400; }
.step-detail:nth-child(even) h2 .ital { color: var(--blue-accent); }
.step-detail-text > p {
    font-size: 1rem;
    line-height: 1.85;
    color: var(--text-light);
    font-weight: 300;
    margin-bottom: 1.5rem;
}
.step-detail:nth-child(even) .step-detail-text > p { color: var(--text-dark-muted); }
.step-detail-list {
    list-style: none;
    margin-top: 1.75rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.step-detail-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    font-size: 0.95rem;
    line-height: 1.6;
    color: var(--text-light);
    font-weight: 300;
}
.step-detail:nth-child(even) .step-detail-list li { color: var(--text-dark-muted); }
.step-detail-list li .li-check {
    flex: none;
    width: 18px; height: 18px;
    color: var(--blue-light);
    margin-top: 3px;
}
.step-detail:nth-child(even) .step-detail-list li .li-check { color: var(--green-accent); }
.step-detail-visual {
    aspect-ratio: 1/1;
    border: 1px solid rgba(59,130,246,0.25);
    position: relative;
    overflow: hidden;
    display: grid;
    place-items: center;
    background:
        radial-gradient(ellipse at 30% 30%, rgba(59,130,246,0.2), transparent 60%),
        var(--navy-800);
}
.step-detail:nth-child(even) .step-detail-visual {
    background:
        radial-gradient(ellipse at 70% 30%, rgba(59,130,246,0.12), transparent 60%),
        var(--white);
    border-color: rgba(26,34,56,0.1);
}
.step-detail-visual .big-icon {
    width: 9rem;
    height: 9rem;
    color: var(--blue-light);
    opacity: 0.9;
}
.step-detail:nth-child(even) .step-detail-visual .big-icon { color: var(--blue-accent); }
.step-detail-visual .corner {
    position: absolute;
    width: 18px; height: 18px;
    border: 1px solid var(--blue-accent);
}
.step-detail-visual .corner.tl { top: 12px; left: 12px; border-right: none; border-bottom: none; }
.step-detail-visual .corner.br { bottom: 12px; right: 12px; border-left: none; border-top: none; }
.step-detail-visual .vtag {
    position: absolute;
    bottom: 1.5rem;
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
}

@media (max-width: 992px) {
    .subhero { padding: 9rem 2rem 4rem; }
    .subhero h1 { font-size: 2.6rem; }
    .step-detail { padding: 4.5rem 2rem; }
    .step-detail-inner { grid-template-columns: 1fr; gap: 3rem; }
    .step-detail:nth-child(even) .step-detail-text { order: 0; }
    .step-detail-visual { max-width: 420px; margin: 0 auto; width: 100%; }
}
@media (max-width: 640px) {
    .subhero { padding: 8rem 1.5rem 3.5rem; }
    .subhero h1 { font-size: 2.1rem; }
    .subhero p { font-size: 0.95rem; }
    .subhero .btn-luxury { width: 100%; justify-content: center; }
    .subhero-meta { gap: 2rem; flex-wrap: wrap; }
    .subhero-meta .m-num { font-size: 1.8rem; }
    .step-detail { padding: 3.5rem 1.5rem; }
    .step-detail h2 { font-size: 1.9rem; }
    .step-detail-num { width: 54px; height: 54px; font-size: 1.5rem; }
    .step-detail-visual .big-icon { width: 6.5rem; height: 6.5rem; }
}

/* ============================================
   WHAT IT'S FOR — SEPARATE PAGE
   ============================================ */

/* Use-case detail sections (alternating, reuse subhero + step-detail patterns) */
.usecase-detail {
    padding: 6.5rem 5rem;
}
.usecase-detail:nth-child(even) { background: var(--bg-light); }
.usecase-detail-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: center;
}
.usecase-detail:nth-child(even) .usecase-text { order: 2; }
.usecase-index {
    font-family: 'DM Serif Display', serif;
    font-size: 1.4rem;
    color: var(--blue-light);
    letter-spacing: 1px;
    margin-bottom: 1rem;
    display: block;
}
.usecase-detail:nth-child(even) .usecase-index { color: var(--blue-accent); }
.usecase-detail .eyebrow {
    display: block;
    font-size: 0.72rem;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--blue-light);
    margin-bottom: 1rem;
}
.usecase-detail:nth-child(even) .eyebrow { color: var(--blue-accent); }
.usecase-detail h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.4rem;
    font-weight: 600;
    line-height: 1.15;
    color: var(--white);
    margin-bottom: 1.5rem;
    letter-spacing: 0.5px;
}
.usecase-detail:nth-child(even) h2 { color: var(--navy-900); }
.usecase-detail h2 .ital { font-style: italic; color: var(--blue-light); font-weight: 400; }
.usecase-detail:nth-child(even) h2 .ital { color: var(--blue-accent); }
.usecase-text > p {
    font-size: 1rem;
    line-height: 1.85;
    color: var(--text-light);
    font-weight: 300;
    margin-bottom: 1.5rem;
}
.usecase-detail:nth-child(even) .usecase-text > p { color: var(--text-dark-muted); }
.usecase-list {
    list-style: none;
    margin-top: 1.75rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.usecase-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    font-size: 0.95rem;
    line-height: 1.6;
    color: var(--text-light);
    font-weight: 300;
}
.usecase-detail:nth-child(even) .usecase-list li { color: var(--text-dark-muted); }
.usecase-list li .li-check {
    flex: none;
    width: 18px; height: 18px;
    color: var(--blue-light);
    margin-top: 3px;
}
.usecase-detail:nth-child(even) .usecase-list li .li-check { color: var(--green-accent); }
.usecase-visual {
    aspect-ratio: 4/3;
    border: 1px solid rgba(59,130,246,0.25);
    position: relative;
    overflow: hidden;
    display: grid;
    place-items: center;
    background:
        radial-gradient(ellipse at 30% 30%, rgba(59,130,246,0.2), transparent 60%),
        var(--navy-800);
}
.usecase-detail:nth-child(even) .usecase-visual {
    background:
        radial-gradient(ellipse at 70% 30%, rgba(59,130,246,0.12), transparent 60%),
        var(--white);
    border-color: rgba(26,34,56,0.1);
}
.usecase-visual .big-icon {
    width: 7.5rem;
    height: 7.5rem;
    color: var(--blue-light);
    opacity: 0.9;
}
.usecase-detail:nth-child(even) .usecase-visual .big-icon { color: var(--blue-accent); }
.usecase-visual .corner {
    position: absolute;
    width: 18px; height: 18px;
    border: 1px solid var(--blue-accent);
}
.usecase-visual .corner.tl { top: 12px; left: 12px; border-right: none; border-bottom: none; }
.usecase-visual .corner.br { bottom: 12px; right: 12px; border-left: none; border-top: none; }
.usecase-visual .vtag {
    position: absolute;
    bottom: 1.5rem;
    font-size: 0.72rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted);
}

@media (max-width: 992px) {
    .usecase-detail { padding: 4.5rem 2rem; }
    .usecase-detail-inner { grid-template-columns: 1fr; gap: 3rem; }
    .usecase-detail:nth-child(even) .usecase-text { order: 0; }
    .usecase-visual { max-width: 440px; margin: 0 auto; width: 100%; }
}
@media (max-width: 640px) {
    .usecase-detail { padding: 3.5rem 1.5rem; }
    .usecase-detail h2 { font-size: 1.9rem; }
    .usecase-visual .big-icon { width: 6rem; height: 6rem; }
}

/* ============================================
   BLOG — SEPARATE PAGE
   ============================================ */

.article-detail {
    padding: 6.5rem 5rem;
}
.article-detail:nth-child(even) { background: var(--bg-light); }
.article-inner {
    max-width: 1150px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4.5rem;
    align-items: center;
}
.article-detail:nth-child(even) .article-text { order: 2; }
.article-img {
    aspect-ratio: 4/3;
    overflow: hidden;
    position: relative;
    border: 1px solid rgba(59,130,246,0.2);
}
.article-img img {
    width: 100%; height: 100%;
    object-fit: cover;
    transition: transform 0.6s cubic-bezier(.16,1,.3,1);
}
.article-detail:hover .article-img img { transform: scale(1.04); }
.article-meta {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.25rem;
}
.article-tag {
    font-size: 0.66rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    font-weight: 600;
    color: var(--blue-light);
    border: 1px solid rgba(59,130,246,0.35);
    padding: 0.3rem 0.75rem;
}
.article-detail:nth-child(even) .article-tag { color: var(--blue-accent); border-color: rgba(37,99,235,0.3); }
.article-date {
    font-size: 0.72rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--text-muted);
}
.article-detail h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.3rem;
    font-weight: 600;
    line-height: 1.18;
    color: var(--white);
    margin-bottom: 1.5rem;
    letter-spacing: 0.3px;
}
.article-detail:nth-child(even) h2 { color: var(--navy-900); }
.article-detail h2 .ital { font-style: italic; color: var(--blue-light); font-weight: 400; }
.article-detail:nth-child(even) h2 .ital { color: var(--blue-accent); }
.article-text > p {
    font-size: 1rem;
    line-height: 1.85;
    color: var(--text-light);
    font-weight: 300;
    margin-bottom: 1.25rem;
}
.article-detail:nth-child(even) .article-text > p { color: var(--text-dark-muted); }
.article-points {
    list-style: none;
    margin: 1.5rem 0;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}
.article-points li {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    font-size: 0.95rem;
    line-height: 1.6;
    color: var(--text-light);
    font-weight: 300;
}
.article-detail:nth-child(even) .article-points li { color: var(--text-dark-muted); }
.article-points li .li-check {
    flex: none;
    width: 18px; height: 18px;
    color: var(--blue-light);
    margin-top: 3px;
}
.article-detail:nth-child(even) .article-points li .li-check { color: var(--green-accent); }
.article-readmore {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    margin-top: 1rem;
    font-size: 0.75rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 500;
}
.article-detail:nth-child(even) .article-readmore { color: var(--blue-accent); }
.article-readmore:hover { gap: 1rem; }

@media (max-width: 992px) {
    .article-detail { padding: 4.5rem 2rem; }
    .article-inner { grid-template-columns: 1fr; gap: 2.5rem; }
    .article-detail:nth-child(even) .article-text { order: 0; }
    .article-img { max-width: 520px; margin: 0 auto; width: 100%; order: -1; }
}
@media (max-width: 640px) {
    .article-detail { padding: 3.5rem 1.5rem; }
    .article-detail h2 { font-size: 1.8rem; }
}

/* ============================================
   FAQ — SEPARATE PAGE
   ============================================ */

/* Category quick-nav pills — sits on a light bar below the hero */
.faq-nav-bar {
    background: var(--bg-light);
    padding: 1.75rem 2rem;
    border-bottom: 1px solid rgba(26,34,56,0.08);
}
.faq-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    justify-content: center;
    max-width: 1000px;
    margin: 0 auto;
}
.faq-nav a {
    font-size: 0.72rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--navy-700);
    border: 1px solid rgba(37,99,235,0.3);
    padding: 0.6rem 1.2rem;
    transition: all 0.3s;
    font-weight: 600;
}
.faq-nav a:hover {
    background: var(--blue-accent);
    border-color: var(--blue-accent);
    color: var(--white);
}

/* FAQ category block */
.faq-category {
    padding: 4rem 2rem;
    background: var(--bg-light);
    scroll-margin-top: 100px;
}
.faq-category > * {
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
}
.faq-category-head {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 2rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid rgba(59,130,246,0.15);
}
.faq-category-head .fc-num {
    font-family: 'DM Serif Display', serif;
    font-size: 1.6rem;
    color: var(--blue-accent);
    line-height: 1;
}
.faq-category-head h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2rem;
    font-weight: 600;
    color: var(--navy-900);
    letter-spacing: 0.5px;
}
.faq-category-head .fc-count {
    margin-left: auto;
    font-size: 0.7rem;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--text-muted);
}

/* FAQ contact strip */
.faq-contact {
    text-align: center;
    padding: 4rem 2rem 1rem;
    max-width: 700px;
    margin: 0 auto;
}
.faq-contact h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.9rem;
    color: var(--white);
    margin-bottom: 0.75rem;
}
.faq-contact p {
    font-size: 0.95rem;
    color: var(--text-light);
    font-weight: 300;
    line-height: 1.8;
}

@media (max-width: 992px) {
    .faq-category { padding: 3rem 2rem; }
}
@media (max-width: 640px) {
    .faq-category { padding: 2.5rem 1.5rem; }
    .faq-category-head h2 { font-size: 1.6rem; }
    .faq-category-head .fc-count { display: none; }
    .faq-nav a { font-size: 0.66rem; padding: 0.5rem 0.9rem; letter-spacing: 1px; }
}

/* ============================================
   LEGAL PAGES (Privacy / Terms / Rates)
   ============================================ */

/* Compact sub-hero for legal docs */
.legal-hero {
    background: var(--navy-900);
    padding: 10rem 5rem 4rem;
    position: relative;
    overflow: hidden;
}
.legal-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 80% 10%, rgba(59,130,246,0.12), transparent 55%);
    pointer-events: none;
}
.legal-hero-inner { position: relative; z-index: 2; max-width: 1100px; margin: 0 auto; }
.legal-hero .breadcrumb {
    font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase;
    color: var(--text-muted); margin-bottom: 1.25rem;
}
.legal-hero .breadcrumb a { color: var(--blue-light); }
.legal-hero h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 3rem; font-weight: 600; line-height: 1.1;
    color: var(--white); letter-spacing: 0.5px; margin-bottom: 1rem;
}
.legal-hero h1 .ital { font-style: italic; color: var(--blue-light); font-weight: 400; }
.legal-hero .updated {
    font-size: 0.8rem; letter-spacing: 1px; color: var(--text-light); font-weight: 300;
}

/* Body layout: sticky TOC + content */
.legal-body {
    background: var(--bg-light);
    padding: 4.5rem 5rem 6rem;
}
.legal-grid {
    max-width: 1100px; margin: 0 auto;
    display: grid; grid-template-columns: 240px 1fr; gap: 4rem;
    align-items: start;
}
.legal-toc {
    position: sticky; top: 110px;
    border-left: 1px solid rgba(37,99,235,0.2);
    padding-left: 1.5rem;
}
.legal-toc h4 {
    font-size: 0.68rem; letter-spacing: 2px; text-transform: uppercase;
    color: var(--text-dark-muted); margin-bottom: 1rem; font-weight: 700;
}
.legal-toc ul { list-style: none; display: flex; flex-direction: column; gap: 0.7rem; }
.legal-toc a {
    font-size: 0.85rem; color: var(--navy-700); font-weight: 400;
    transition: color 0.2s; line-height: 1.4; display: block;
}
.legal-toc a:hover { color: var(--blue-accent); }

.legal-content { max-width: 720px; }
.legal-content .intro {
    font-size: 1.05rem; line-height: 1.85; color: var(--text-dark-muted);
    font-weight: 300; margin-bottom: 2.5rem;
    padding-bottom: 2.5rem; border-bottom: 1px solid rgba(26,34,56,0.1);
}
.legal-section { margin-bottom: 2.75rem; scroll-margin-top: 100px; }
.legal-section h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.7rem; font-weight: 600; color: var(--navy-900);
    margin-bottom: 1rem; letter-spacing: 0.3px;
    display: flex; align-items: baseline; gap: 0.75rem;
}
.legal-section h2 .s-num {
    font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--blue-accent);
}
.legal-section h3 {
    font-family: 'Inter', sans-serif; font-size: 1rem; font-weight: 600;
    color: var(--navy-900); margin: 1.5rem 0 0.6rem;
}
.legal-section p {
    font-size: 0.95rem; line-height: 1.8; color: var(--text-dark-muted);
    font-weight: 300; margin-bottom: 1rem;
}
.legal-section ul { list-style: none; margin: 1rem 0 1.25rem; display: flex; flex-direction: column; gap: 0.65rem; }
.legal-section ul li {
    display: flex; align-items: flex-start; gap: 0.75rem;
    font-size: 0.95rem; line-height: 1.65; color: var(--text-dark-muted); font-weight: 300;
}
.legal-section ul li .li-check {
    flex: none; width: 16px; height: 16px; color: var(--blue-accent); margin-top: 4px;
}
.legal-section a { color: var(--blue-accent); border-bottom: 1px solid rgba(37,99,235,0.3); }
.legal-section a:hover { border-bottom-color: var(--blue-accent); }
.legal-callout {
    background: var(--white);
    border: 1px solid rgba(37,99,235,0.18);
    border-left: 3px solid var(--blue-accent);
    padding: 1.5rem 1.75rem; margin: 1.5rem 0;
}
.legal-callout p { margin: 0; font-size: 0.92rem; color: var(--text-dark-muted); }
.legal-contact-box {
    margin-top: 3rem; padding: 1.75rem; background: var(--navy-900); color: var(--white);
}
.legal-contact-box h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; color: var(--white); margin-bottom: 0.5rem; }
.legal-contact-box p { font-size: 0.9rem; color: var(--text-light); line-height: 1.7; font-weight: 300; }
.legal-contact-box a { color: var(--blue-light); border-bottom: 1px solid rgba(59,130,246,0.4); }

/* Rates table */
.rates-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: 0.9rem; }
.rates-table th, .rates-table td {
    text-align: left; padding: 0.85rem 1rem; border-bottom: 1px solid rgba(26,34,56,0.1);
}
.rates-table th { background: var(--navy-900); color: var(--white); font-size: 0.7rem; letter-spacing: 1px; text-transform: uppercase; font-weight: 600; }
.rates-table td { color: var(--text-dark-muted); }
.rates-table td:first-child { font-weight: 600; color: var(--navy-900); }
.rates-table tr:nth-child(even) td { background: rgba(37,99,235,0.03); }

@media (max-width: 992px) {
    .legal-hero { padding: 8.5rem 2rem 3rem; }
    .legal-hero h1 { font-size: 2.4rem; }
    .legal-body { padding: 3rem 2rem 4rem; }
    .legal-grid { grid-template-columns: 1fr; gap: 2rem; }
    .legal-toc { position: static; border-left: none; border-top: 1px solid rgba(37,99,235,0.2); padding-left: 0; padding-top: 1.5rem; order: 2; display: none; }
    .legal-content { max-width: 100%; }
}
@media (max-width: 640px) {
    .legal-hero { padding: 8rem 1.5rem 2.5rem; }
    .legal-hero h1 { font-size: 2rem; }
    .legal-body { padding: 2.5rem 1.5rem 3.5rem; }
    .legal-section h2 { font-size: 1.45rem; }
    .rates-table { font-size: 0.82rem; }
    .rates-table th, .rates-table td { padding: 0.7rem 0.6rem; }
}

/* ============================================
   APPLY — SEPARATE PAGE (light theme, centered head)
   ============================================ */
.apply-page {
    background: var(--bg-light);
    padding: 9rem 2rem 5rem;
    position: relative;
    overflow: hidden;
    min-height: 100vh;
}
.apply-page::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 80% 0%, rgba(59,130,246,0.06), transparent 55%),
        radial-gradient(ellipse at 0% 100%, rgba(37,99,235,0.04), transparent 50%);
    pointer-events: none;
}
/* Centered intro on top */
.apply-head {
    position: relative;
    z-index: 2;
    max-width: 720px;
    margin: 0 auto 3.5rem;
    text-align: center;
}
.apply-head .breadcrumb {
    font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase;
    color: var(--text-dark-muted); margin-bottom: 1.5rem;
}
.apply-head .breadcrumb a { color: var(--blue-accent); }
.apply-head .eyebrow {
    display: inline-flex; align-items: center; gap: 0.5rem;
    font-size: 0.72rem; letter-spacing: 3px; text-transform: uppercase;
    color: var(--blue-accent); margin-bottom: 1.25rem;
}
.apply-head .eyebrow .dot {
    width: 7px; height: 7px; border-radius: 50%; background: var(--green-accent);
    box-shadow: 0 0 0 0 rgba(16,185,129,0.5); animation: pulse 2s infinite;
}
.apply-head h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 3rem; font-weight: 600; line-height: 1.1;
    color: var(--navy-900); letter-spacing: 0.5px; margin-bottom: 1.25rem;
}
.apply-head h1 .ital { font-style: italic; color: var(--blue-accent); font-weight: 400; }
.apply-head > p {
    font-size: 1.05rem; line-height: 1.8; color: var(--text-dark-muted);
    font-weight: 300; max-width: 580px; margin: 0 auto;
}

.apply-inner {
    position: relative;
    z-index: 2;
    max-width: 1080px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.05fr;
    gap: 4rem;
    align-items: center;
}
/* Left intro heading + description */
.apply-intro-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.1rem; font-weight: 600; line-height: 1.15;
    color: var(--navy-900); letter-spacing: 0.3px; margin-bottom: 1rem;
}
.apply-intro-title .ital { font-style: italic; color: var(--blue-accent); font-weight: 400; }
.apply-intro-desc {
    font-size: 0.98rem; line-height: 1.8; color: var(--text-dark-muted);
    font-weight: 300; margin-bottom: 2rem;
}
/* Left: trust + stats (on light bg) */
.apply-trust {
    list-style: none; display: flex; flex-direction: column; gap: 1.1rem;
    margin-bottom: 2.5rem;
}
.apply-trust li {
    display: flex; align-items: flex-start; gap: 0.85rem;
    font-size: 0.95rem; color: var(--text-dark-muted); font-weight: 300; line-height: 1.5;
}
.apply-trust li .li-check {
    flex: none; width: 20px; height: 20px; color: var(--blue-accent); margin-top: 2px;
}
.apply-trust li strong { color: var(--navy-900); font-weight: 600; }
.apply-stats {
    display: flex; gap: 2.5rem; padding-top: 2rem;
    border-top: 1px solid rgba(26,34,56,0.1);
}
.apply-stats .as-num {
    font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--blue-accent); line-height: 1;
}
.apply-stats .as-label {
    font-size: 0.65rem; letter-spacing: 1.5px; text-transform: uppercase;
    color: var(--text-dark-muted); margin-top: 0.4rem;
}
/* Right: form card (white, stands out on light bg via shadow + border) */
.apply-form-card {
    background: var(--white);
    padding: 2.5rem;
    border: 2px solid var(--blue-accent);
    box-shadow: 0 30px 70px -30px rgba(26,34,56,0.25);
}
.apply-form-card .fc-head {
    margin-bottom: 1.5rem; padding-bottom: 1.5rem;
    border-bottom: 1px solid rgba(26,34,56,0.1);
    text-align: center;
}
.apply-form-card .fc-head h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.85rem; font-weight: 600; color: var(--navy-900); margin-bottom: 0.5rem;
    letter-spacing: 0.3px;
}
.apply-form-card .fc-head p {
    font-size: 0.88rem; color: var(--text-dark-muted); font-weight: 300; line-height: 1.6;
    max-width: 360px; margin: 0 auto;
}
/* third-party form container */
#_lg_form_ { min-height: 200px; }
#_lg_form_:empty::before {
    content: 'Loading secure application…';
    display: grid; place-items: center; min-height: 200px;
    font-size: 0.85rem; color: var(--text-dark-muted); letter-spacing: 0.5px;
}
.apply-form-card .fc-secure {
    margin-top: 1.5rem; padding-top: 1.25rem; border-top: 1px solid rgba(26,34,56,0.1);
    display: flex; align-items: center; gap: 0.6rem;
    font-size: 0.75rem; letter-spacing: 1px; text-transform: uppercase;
    color: var(--text-dark-muted);
}
.apply-form-card .fc-secure .li-check { width: 16px; height: 16px; color: var(--green-accent); flex: none; }

@media (max-width: 992px) {
    .apply-page { padding: 8rem 2rem 4rem; }
    .apply-head { margin-bottom: 2.5rem; }
    .apply-head h1 { font-size: 2.5rem; }
    .apply-inner { grid-template-columns: 1fr; gap: 3rem; max-width: 600px; }
}
@media (max-width: 640px) {
    .apply-page { padding: 7.5rem 1.25rem 3.5rem; }
    .apply-head h1 { font-size: 2.1rem; }
    .apply-head > p { font-size: 0.95rem; }
    .apply-form-card { padding: 1.75rem 1.4rem; }
    .apply-stats { gap: 1.75rem; flex-wrap: wrap; }
    .apply-stats .as-num { font-size: 1.7rem; }
}