:root{
  --primary:#04275F;
  --primary-dark:#031e4d;
  --secondary:#2463AA;
  --accent:#77B73F;
  --accent-dark:#5FA32E;
  --white:#FFFFFF;
  --background:#F5F7FA;
  --text:#444444;
  --heading:#04275F;
  --border:#E5E7EB;
  --muted:#6b7280;
  --shadow-sm:0 2px 8px rgba(0,0,0,.06);
  --shadow-md:0 8px 24px rgba(4,39,95,.08);
  --shadow-lg:0 20px 40px rgba(4,39,95,.12);
  --radius:14px;
  --radius-sm:10px;
  --container:1240px;
  --font-body:'Inter','Helvetica Neue',Arial,sans-serif;
  --font-heading:'Manrope','Inter',Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--text);background:var(--white);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--secondary);text-decoration:none;transition:color .2s}
a:hover{color:var(--primary)}
h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--heading);line-height:1.2;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:.75rem}
h3{font-size:1.3rem;margin-bottom:.5rem}
p{margin-bottom:1rem}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-alt{background:var(--background)}
.text-center{text-align:center}
.lead{font-size:1.125rem;color:var(--muted);max-width:760px;margin:0 auto 2.5rem}
.section-title{margin-bottom:.5rem}
.section-intro{color:var(--muted);max-width:720px;margin:0 auto 3rem;text-align:center;font-size:1.05rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:10px;font-weight:600;font-family:var(--font-heading);font-size:.95rem;cursor:pointer;border:none;transition:all .25s ease;letter-spacing:.01em}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);color:#fff;transform:translateY(-2px);box-shadow:0 10px 20px rgba(119,183,63,.3)}
.btn-secondary{background:var(--primary);color:#fff}
.btn-secondary:hover{background:var(--secondary);color:#fff;transform:translateY(-2px);box-shadow:0 10px 20px rgba(4,39,95,.3)}
.btn-outline{background:transparent;color:#fff;border:2px solid #fff}
.btn-calc{background:var(--secondary);color:#fff;border:2px solid var(--secondary)}
.btn-calc:hover{background:var(--primary);border-color:var(--primary);color:#fff;transform:translateY(-2px);box-shadow:0 10px 20px rgba(36,99,170,.3)}
.btn-outline:hover{background:#fff;color:var(--primary)}
.btn-ghost{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn-ghost:hover{background:var(--primary);color:#fff}

/* Top info bar */
.topbar{background:var(--primary);color:#fff;font-size:.85rem;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.topbar-left,.topbar-right{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar a{color:#fff;display:inline-flex;align-items:center;gap:6px}
.topbar a:hover{color:var(--accent)}
.topbar svg{width:15px;height:15px;stroke-width:2}
@media(max-width:768px){.topbar{font-size:.75rem}.topbar-left,.topbar-right{gap:12px}.topbar .label{display:none}}

/* Header */
.site-header{position:sticky;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,.98);backdrop-filter:saturate(180%) blur(10px);transition:box-shadow .3s,background .3s;border-bottom:1px solid transparent}
.site-header.scrolled{background:#fff;box-shadow:0 4px 20px rgba(0,0,0,.06);border-bottom-color:var(--border)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:24px}
.logo,.nav-brand img,.footer-brand img,.site-logo{border-radius:16px;background:#fff;padding:6px 10px;box-shadow:0 2px 8px rgba(0,0,0,.08)}
.site-header.scrolled .logo{border-radius:12px}
.nav-brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-brand img{height:52px;width:auto;transition:height .3s}
.site-header.scrolled .nav-brand img{height:44px}
.nav-brand-text{display:none}
.main-nav{display:flex;justify-content:center;flex:1}
.main-nav ul{list-style:none;display:flex;gap:6px;align-items:center;justify-content:center;margin:0;padding:0}
.main-nav a{display:block;padding:10px 16px;color:var(--primary);font-weight:600;font-family:var(--font-heading);font-size:.94rem;border-radius:8px;position:relative;transition:color .2s}
.main-nav a:hover{color:var(--secondary)}
.main-nav a.active{color:var(--secondary)}
.main-nav a.active::after{content:"";position:absolute;bottom:2px;left:16px;right:16px;height:3px;background:var(--accent);border-radius:2px}
.header-cta{flex-shrink:0}
.hamburger{display:none;background:none;border:none;padding:8px;cursor:pointer;width:44px;height:44px;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.hamburger span{width:26px;height:3px;background:var(--primary);border-radius:2px;transition:all .3s}
.hamburger.active span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
@media(max-width:960px){
  .main-nav{position:fixed;top:0;right:-100%;width:min(320px,80vw);height:100vh;background:#fff;flex-direction:column;padding:100px 24px 40px;box-shadow:-10px 0 40px rgba(0,0,0,.1);transition:right .35s ease;overflow-y:auto;z-index:999}
  .main-nav.open{right:0}
  .main-nav ul{flex-direction:column;gap:4px;width:100%}
  .main-nav a{padding:14px 18px;font-size:1.05rem;width:100%}
  .main-nav a.active::after{display:none}
  .main-nav a.active{background:rgba(119,183,63,.12)}
  .hamburger{display:flex}
  .header-cta{display:none}
}

/* Banner (hero + inner) */
.page-banner{position:relative;min-height:440px;display:flex;align-items:center;justify-content:center;text-align:center;color:#fff;padding:100px 24px;background:var(--primary);background-size:cover;background-position:center;overflow:hidden}
.page-banner::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(4,39,95,.65) 0%,rgba(36,99,170,.5) 100%);z-index:1}
.page-banner .banner-content{position:relative;z-index:2;max-width:900px}
.page-banner h1{color:#fff;text-shadow:0 2px 20px rgba(0,0,0,.35);margin-bottom:1rem}
.page-banner p.subtitle{color:rgba(255,255,255,.95);font-size:1.15rem;text-shadow:0 1px 10px rgba(0,0,0,.4);max-width:720px;margin:0 auto 1.5rem}
.breadcrumb{color:rgba(255,255,255,.85);font-size:.9rem;text-shadow:0 1px 6px rgba(0,0,0,.4)}
.breadcrumb a{color:rgba(255,255,255,.85)}
.breadcrumb a:hover{color:#fff}
.breadcrumb .sep{margin:0 8px;opacity:.6}
.banner-cta{margin-top:1.75rem;display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Home hero specific */
.home-hero{min-height:640px}
.home-hero h1{font-size:clamp(2.2rem,5.5vw,4rem);margin-bottom:.75rem}
.home-hero .tagline{font-size:clamp(1.05rem,2vw,1.35rem);color:rgba(255,255,255,.95);max-width:820px;margin:0 auto 1.5rem;font-weight:500}
.trust-strip{margin-top:2.5rem;display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.trust-item{display:inline-flex;align-items:center;gap:8px;color:#fff;font-size:.92rem;font-weight:500;text-shadow:0 1px 6px rgba(0,0,0,.4)}
.trust-item svg{width:18px;height:18px;color:var(--accent)}

/* Cards / features */
.grid{display:grid;gap:28px}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(360px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:32px;transition:transform .25s,box-shadow .25s;box-shadow:var(--shadow-sm)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.card-icon{width:56px;height:56px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--secondary));display:flex;align-items:center;justify-content:center;margin-bottom:20px;color:#fff}
.card-icon svg{width:28px;height:28px;stroke-width:2}
.card h3{color:var(--primary);margin-bottom:8px}
.card p{color:var(--muted);margin:0;font-size:.95rem}

/* Service card w/ photo */
.service-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--border);transition:all .3s;display:flex;flex-direction:column}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.service-card-img{aspect-ratio:16/10;overflow:hidden;background:var(--primary)}
.service-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.service-card:hover .service-card-img img{transform:scale(1.05)}
.service-card-body{padding:26px;flex:1;display:flex;flex-direction:column}
.service-card h3{margin-bottom:10px}
.service-card p{color:var(--muted);flex:1;font-size:.95rem}
.service-card .card-link{margin-top:16px;color:var(--secondary);font-weight:600;display:inline-flex;align-items:center;gap:6px}
.service-card .card-link:hover{color:var(--primary)}

/* Split section */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3;background:var(--background)}
.split-img img{width:100%;height:100%;object-fit:cover}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:32px}}

/* Loan calculator */
.calc-wrap{background:#fff;border-radius:var(--radius);padding:36px;box-shadow:var(--shadow-lg);max-width:640px;margin:0 auto;border:1px solid var(--border)}
.calc-row{margin-bottom:20px}
.calc-row label{display:flex;justify-content:space-between;font-weight:600;color:var(--primary);margin-bottom:8px;font-family:var(--font-heading)}
.calc-row input[type=range]{width:100%;-webkit-appearance:none;height:6px;background:var(--border);border-radius:6px;outline:none}
.calc-row input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--accent);border-radius:50%;cursor:pointer;box-shadow:0 2px 6px rgba(0,0,0,.2)}
.calc-row input[type=range]::-moz-range-thumb{width:22px;height:22px;background:var(--accent);border-radius:50%;cursor:pointer;border:0}
.calc-result{margin-top:24px;padding:22px;background:var(--background);border-radius:12px;text-align:center}
.calc-result .amount{font-size:2rem;font-weight:700;color:var(--primary);font-family:var(--font-heading)}
.calc-result .label{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}
.calc-disc{font-size:.8rem;color:var(--muted);margin-top:14px;text-align:center}

/* Steps */
.steps{counter-reset:step}
.step{background:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-sm);border:1px solid var(--border);position:relative;counter-increment:step}
.step::before{content:counter(step,decimal-leading-zero);position:absolute;top:-16px;left:24px;background:var(--accent);color:#fff;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:var(--font-heading);box-shadow:0 4px 12px rgba(119,183,63,.35)}
.step h3{margin-top:18px;color:var(--primary)}

/* Testimonials */
.testimonial{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-sm)}
.testimonial .quote{color:var(--text);font-size:1.05rem;font-style:italic;margin-bottom:20px;line-height:1.7}
.testimonial .author{display:flex;align-items:center;gap:14px}
.testimonial .avatar{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:var(--font-heading);font-size:1.1rem}
.testimonial .name{font-weight:700;color:var(--primary);font-family:var(--font-heading)}
.testimonial .role{font-size:.85rem;color:var(--muted)}
.stars{color:var(--accent);margin-bottom:12px;display:flex;gap:2px}
.stars svg{width:18px;height:18px;fill:var(--accent)}

/* FAQ */
.faq-item{border:1px solid var(--border);border-radius:12px;margin-bottom:14px;background:#fff;overflow:hidden;transition:box-shadow .2s}
.faq-item.open{box-shadow:var(--shadow-sm)}
.faq-q{width:100%;background:none;border:none;padding:20px 24px;text-align:left;font-family:var(--font-heading);font-weight:600;font-size:1.02rem;color:var(--primary);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-q:hover{color:var(--secondary)}
.faq-q .plus{flex-shrink:0;transition:transform .3s;font-size:1.5rem;color:var(--accent);line-height:1}
.faq-item.open .faq-q .plus{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;padding:0 24px}
.faq-item.open .faq-a{max-height:500px;padding:0 24px 22px}
.faq-a p{color:var(--text);margin:0;line-height:1.7}

/* Blog cards */
.post-card{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:all .3s;display:flex;flex-direction:column}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.post-img{aspect-ratio:16/10;overflow:hidden}
.post-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.post-card:hover .post-img img{transform:scale(1.05)}
.post-body{padding:24px;flex:1;display:flex;flex-direction:column}
.post-meta{font-size:.82rem;color:var(--muted);margin-bottom:8px;text-transform:uppercase;letter-spacing:.05em;font-weight:600}
.post-body h3{margin-bottom:10px;color:var(--primary)}
.post-body p{color:var(--muted);font-size:.95rem;flex:1}

/* Article */
.article{max-width:820px;margin:0 auto}
.article p,.article ul,.article ol{color:var(--text);font-size:1.05rem;line-height:1.8;margin-bottom:1.25rem}
.article h2{margin-top:2.5rem;margin-bottom:1rem}
.article h3{margin-top:2rem;margin-bottom:.75rem}
.article ul,.article ol{padding-left:1.5rem}
.article li{margin-bottom:.5rem}
.article-meta{color:var(--muted);font-size:.9rem;text-align:center;margin-bottom:2.5rem;padding-bottom:2rem;border-bottom:1px solid var(--border)}

/* Gallery */
.gallery-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.gallery-item{aspect-ratio:4/3;border-radius:12px;overflow:hidden;box-shadow:var(--shadow-sm);cursor:pointer}
.gallery-item img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.gallery-item:hover img{transform:scale(1.08)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}
.contact-info-block{background:var(--primary);color:#fff;padding:36px;border-radius:var(--radius)}
.contact-info-block h3{color:#fff;margin-bottom:20px}
.contact-info-item{display:flex;gap:14px;margin-bottom:20px;align-items:flex-start}
.contact-info-item svg{width:22px;height:22px;color:var(--accent);flex-shrink:0;margin-top:2px}
.contact-info-item a,.contact-info-item span{color:#fff}
.contact-info-item strong{display:block;font-family:var(--font-heading);font-weight:600;margin-bottom:2px}
.form{background:#fff;padding:36px;border-radius:var(--radius);box-shadow:var(--shadow-md);border:1px solid var(--border)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-weight:600;color:var(--primary);margin-bottom:6px;font-family:var(--font-heading);font-size:.9rem}
.form-control{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:inherit;font-size:1rem;transition:border-color .2s;background:#fff;color:var(--text)}
.form-control:focus{outline:none;border-color:var(--secondary);box-shadow:0 0 0 3px rgba(36,99,170,.12)}
textarea.form-control{resize:vertical;min-height:130px}
.form-status{margin-top:14px;padding:12px 16px;border-radius:8px;font-size:.92rem;display:none}
.form-status.success{display:block;background:#e8f5df;color:#3d6e1f;border:1px solid #b8d99a}
.form-status.error{display:block;background:#fde8e8;color:#9b1c1c;border:1px solid #f5b4b4}

/* Newsletter */
.newsletter{background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;padding:56px 32px;border-radius:var(--radius);text-align:center}
.newsletter h2{color:#fff}
.newsletter p{color:rgba(255,255,255,.9);max-width:520px;margin:0 auto 24px}
.newsletter form{display:flex;gap:10px;max-width:480px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.newsletter input{flex:1;min-width:220px;padding:14px 18px;border-radius:8px;border:0;font-family:inherit;font-size:1rem}
.newsletter button{padding:14px 26px}

/* Footer */
.site-footer{background:var(--primary);color:#cbd5e1;padding:70px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:40px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-family:var(--font-heading);font-size:1rem;margin-bottom:18px;text-transform:uppercase;letter-spacing:.06em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:10px}
.site-footer a{color:#cbd5e1;font-size:.95rem}
.site-footer a:hover{color:var(--accent)}
.footer-brand{margin-bottom:16px}
.footer-brand img{height:60px;width:auto;background:#fff;padding:8px 12px;border-radius:14px}
.footer-about{font-size:.93rem;line-height:1.7;color:#cbd5e1}
.footer-contact-item{display:flex;gap:10px;margin-bottom:12px;font-size:.93rem;align-items:flex-start}
.footer-contact-item svg{width:18px;height:18px;color:var(--accent);flex-shrink:0;margin-top:2px}
.social-row{display:flex;gap:10px;margin-top:16px}
.social-row a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:inline-flex;align-items:center;justify-content:center;color:#fff;transition:all .25s}
.social-row a:hover{background:var(--accent);transform:translateY(-2px)}
.social-row svg{width:18px;height:18px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:56px;padding:24px 0;text-align:center;font-size:.85rem;color:#94a3b8}
.footer-bottom a{color:#cbd5e1}
.footer-bottom .legal{margin-top:6px}
.footer-bottom .legal a{margin:0 8px}

/* Floating buttons */
.wa-float{position:fixed;bottom:24px;right:24px;width:60px;height:60px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;box-shadow:0 8px 24px rgba(37,211,102,.4);z-index:900;transition:transform .25s}
.wa-float:hover{transform:scale(1.08);color:#fff}
.wa-float svg{width:32px;height:32px}
.top-btn{position:fixed;bottom:96px;right:24px;width:46px;height:46px;background:var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;box-shadow:var(--shadow-md);z-index:899;border:none;cursor:pointer;opacity:0;visibility:hidden;transition:all .3s}
.top-btn.show{opacity:1;visibility:visible}
.top-btn:hover{background:var(--secondary);color:#fff}
.top-btn svg{width:20px;height:20px}

/* Cookie banner */
.cookie-banner{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:3px solid var(--accent);padding:20px 24px;box-shadow:0 -10px 30px rgba(0,0,0,.1);z-index:950;transform:translateY(100%);transition:transform .35s ease;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cookie-banner.show{transform:translateY(0)}
.cookie-banner p{margin:0;color:var(--text);font-size:.92rem;flex:1;min-width:260px}
.cookie-banner a{color:var(--secondary);font-weight:600}
.cookie-banner .actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie-banner button{padding:10px 22px;font-size:.9rem}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:translateY(0)}

/* Utility */
.two-col-list{columns:2;column-gap:32px}
.two-col-list li{margin-bottom:10px;break-inside:avoid}
@media(max-width:600px){.two-col-list{columns:1}}
.check-list{list-style:none;padding:0}
.check-list li{padding-left:32px;position:relative;margin-bottom:12px}
.check-list li::before{content:"";position:absolute;left:0;top:6px;width:20px;height:20px;background:var(--accent);border-radius:50%;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");background-size:14px;background-repeat:no-repeat;background-position:center}
.map-embed{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);margin-top:36px}
.map-embed iframe{width:100%;height:400px;border:0;display:block}

/* === v2 revisions === */
/* Bigger, clearer logo in header */
.nav-brand img{height:78px;width:auto;padding:6px 14px;border-radius:16px}
.site-header.scrolled .nav-brand img{height:66px}
@media(max-width:600px){.nav-brand img{height:60px;padding:4px 10px}}

/* Bigger footer logo */
.footer-brand img{height:96px;padding:10px 16px;border-radius:16px}

/* Service card arrow must match text height */
.service-card .card-link svg,
.card-link svg{width:14px;height:14px;stroke-width:2.4;vertical-align:middle}

/* Apply nav pill */
.nav-apply{background:var(--accent);color:#fff !important;padding:10px 18px !important;border-radius:8px}
.nav-apply:hover{background:var(--accent-dark);color:#fff !important}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--primary),var(--secondary));padding:60px 0;color:#fff}
.cta-band h2{color:#fff;margin-bottom:.5rem}
.cta-band .btn-outline{color:#fff;border-color:#fff}
.cta-band .btn-outline:hover{background:#fff;color:var(--primary)}
.cta-band-2{background:linear-gradient(135deg,var(--secondary),var(--accent))}

/* ==== Apply / Loan Application Page ==== */
.apply-wrap{max-width:960px;margin:0 auto;padding:0 24px}
.apply-progress{display:flex;gap:8px;margin:24px 0 32px;flex-wrap:wrap;justify-content:center}
.apply-progress .step-dot{flex:1;min-width:120px;background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:12px 14px;font-size:.85rem;font-weight:600;color:var(--muted);text-align:center;font-family:var(--font-heading);transition:all .25s}
.apply-progress .step-dot.active{background:var(--primary);color:#fff;border-color:var(--primary);box-shadow:var(--shadow-md)}
.apply-progress .step-dot.done{background:var(--accent);color:#fff;border-color:var(--accent)}
.apply-section{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:36px;margin-bottom:28px;box-shadow:var(--shadow-sm)}
.apply-section-head{border-left:4px solid var(--accent);padding:6px 0 6px 16px;margin-bottom:24px}
.apply-section-head h2{margin:0;color:var(--primary);font-size:1.35rem}
.apply-section-head p{margin:4px 0 0;color:var(--muted);font-size:.92rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid.cols-3{grid-template-columns:1fr 1fr 1fr}
.form-grid .full{grid-column:1/-1}
@media(max-width:720px){.form-grid,.form-grid.cols-3{grid-template-columns:1fr}}
.req::after{content:" *";color:#c02626}
.file-drop{display:block;border:2px dashed var(--border);border-radius:10px;padding:18px;text-align:center;background:#fafbfd;cursor:pointer;transition:all .2s;font-size:.9rem;color:var(--muted)}
.file-drop:hover{border-color:var(--secondary);background:#f2f6fb;color:var(--primary)}
.file-drop input{display:none}
.file-drop.has-file{border-color:var(--accent);color:var(--primary);background:#f0f7e6}
.sig-box{border:2px solid var(--border);border-radius:10px;background:#fff;position:relative;touch-action:none}
.sig-box canvas{display:block;width:100%;height:200px;border-radius:10px;cursor:crosshair;touch-action:none}
.sig-controls{display:flex;justify-content:space-between;align-items:center;margin-top:8px;font-size:.85rem;color:var(--muted)}
.sig-controls button{background:none;border:1px solid var(--border);padding:6px 14px;border-radius:6px;cursor:pointer;color:var(--primary);font-weight:600;font-family:var(--font-heading)}
.sig-controls button:hover{border-color:var(--secondary);color:var(--secondary)}
.declaration-box{max-height:280px;overflow-y:auto;border:1px solid var(--border);background:#fafbfd;border-radius:10px;padding:20px;font-size:.9rem;line-height:1.7;color:var(--text);margin-bottom:16px}
.declaration-box strong{color:var(--primary)}
.consent-check{display:flex;align-items:flex-start;gap:12px;padding:16px;border:1.5px solid var(--border);border-radius:10px;background:#fff}
.consent-check input{margin-top:4px;flex-shrink:0;width:20px;height:20px;accent-color:var(--accent)}
.consent-check label{font-weight:500;color:var(--text);font-size:.95rem;line-height:1.6}
.submit-row{margin-top:12px;text-align:center}
.submit-row .btn{padding:16px 40px;font-size:1.05rem}
.apply-status{margin-top:20px;padding:16px;border-radius:10px;font-size:.95rem;display:none}
.apply-status.success{display:block;background:#e8f5df;color:#3d6e1f;border:1px solid #b8d99a}
.apply-status.error{display:block;background:#fde8e8;color:#9b1c1c;border:1px solid #f5b4b4}

/* v3 real-photo feature grids */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.feature-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.feature-grid{grid-template-columns:1fr}}
.feature-tile{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-md);aspect-ratio:16/11;background:#0a1a3a}
.feature-tile img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}
.feature-tile:hover img{transform:scale(1.05)}
.feature-tile .cap{position:absolute;left:0;right:0;bottom:0;padding:22px 20px 18px;background:linear-gradient(180deg,rgba(4,39,95,0) 0%,rgba(4,39,95,.92) 100%);color:#fff}
.feature-tile .cap h4{margin:0 0 4px;font-size:1.05rem;font-weight:700;color:#fff}
.feature-tile .cap p{margin:0;font-size:.85rem;color:rgba(255,255,255,.9);line-height:1.4}
.feature-tile .cap span.tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:6px}

.split-photo{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
@media(max-width:820px){.split-photo{grid-template-columns:1fr}}
.split-photo img{width:100%;height:100%;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow-md);max-height:460px}

/* Mobile nav close + CTA (v6) */
.nav-close{display:none;position:absolute;top:18px;right:18px;width:44px;height:44px;border:none;background:#f3f4f6;border-radius:50%;color:#04275F;cursor:pointer;align-items:center;justify-content:center;z-index:1001;transition:background .2s}
.nav-close:hover{background:#e5e7eb}
.nav-close svg{width:22px;height:22px}
.nav-mobile-cta{display:none}
.nav-backdrop{position:fixed;inset:0;background:rgba(4,39,95,.45);opacity:0;visibility:hidden;transition:opacity .3s;z-index:998}
.nav-backdrop.show{opacity:1;visibility:visible}
@media(max-width:960px){
  .nav-close{display:flex}
  .nav-mobile-cta{display:inline-flex;margin-top:24px;width:100%;justify-content:center;padding:16px 20px;font-size:1.05rem;box-shadow:0 8px 24px rgba(119,183,63,.35)}
}

/* ===== v7 revisions ===== */
/* Larger logo across breakpoints */
.nav-brand img{height:78px}
.site-header.scrolled .nav-brand img{height:64px}
@media(max-width:960px){.nav-brand img{height:64px}.site-header.scrolled .nav-brand img{height:56px}}
@media(max-width:480px){.nav-brand img{height:56px}.site-header.scrolled .nav-brand img{height:50px}}
.footer-brand img{height:110px}
@media(max-width:768px){.footer-brand img{height:88px}}

/* Progress step boxes — uniform grid, centered, single-word labels */
.apply-progress{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:10px;margin:24px 0 32px;flex-wrap:initial;justify-content:initial}
.apply-progress .step-dot{min-width:0;padding:12px 6px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;min-height:74px;text-align:center;line-height:1.15}
.apply-progress .step-dot .step-num{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:50%;background:var(--border);color:var(--primary);font-size:.85rem;font-weight:700}
.apply-progress .step-dot.active .step-num{background:#fff;color:var(--primary)}
.apply-progress .step-dot.done .step-num{background:#fff;color:var(--accent-dark)}
.apply-progress .step-dot .step-label{font-size:.85rem;font-weight:600;letter-spacing:.01em}
@media(max-width:768px){
  .apply-progress{grid-template-columns:repeat(7,minmax(0,1fr));gap:6px}
  .apply-progress .step-dot{padding:10px 4px;min-height:66px}
  .apply-progress .step-dot .step-num{width:22px;height:22px;font-size:.75rem}
  .apply-progress .step-dot .step-label{font-size:.7rem}
}
@media(max-width:420px){
  .apply-progress .step-dot .step-label{font-size:.62rem}
}

/* ===== v8 revisions ===== */
/* Larger logo — significantly bigger across all breakpoints */
.nav-brand img{height:110px}
.site-header.scrolled .nav-brand img{height:88px}
@media(max-width:1200px){.nav-brand img{height:96px}.site-header.scrolled .nav-brand img{height:80px}}
@media(max-width:960px){.nav-brand img{height:84px}.site-header.scrolled .nav-brand img{height:72px}}
@media(max-width:640px){.nav-brand img{height:72px}.site-header.scrolled .nav-brand img{height:64px}}
@media(max-width:420px){.nav-brand img{height:64px}.site-header.scrolled .nav-brand img{height:58px}}
.footer-brand img{height:140px}
@media(max-width:768px){.footer-brand img{height:110px}}
@media(max-width:420px){.footer-brand img{height:96px}}

/* Keep the single header Apply Now visible on all breakpoints */
@media(max-width:960px){.header-cta{display:inline-flex;padding:10px 16px;font-size:.9rem}}
@media(max-width:480px){.header-cta{padding:8px 12px;font-size:.82rem}}

/* Home apply CTA band */
.apply-cta-band{background:linear-gradient(135deg,var(--primary),var(--secondary));border-radius:20px;padding:36px 32px;margin:0 0 40px;color:#fff;box-shadow:var(--shadow-md)}
.apply-cta-band .apply-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.apply-cta-band h2{color:#fff;margin:0 0 6px}
.apply-cta-band p{color:rgba(255,255,255,.92);margin:0;max-width:640px}
.apply-cta-band .btn-primary{background:var(--accent);border-color:var(--accent)}
.apply-cta-band .btn-primary:hover{background:var(--accent-dark);border-color:var(--accent-dark)}
.btn-lg{padding:16px 32px;font-size:1.05rem}

/* ===== v14 revisions — significantly larger logo across every breakpoint ===== */
.nav-brand img{height:150px;max-height:none;width:auto;padding:8px 16px}
.site-header{padding-top:8px;padding-bottom:8px}
.site-header.scrolled .nav-brand img{height:120px}
@media(max-width:1200px){.nav-brand img{height:132px}.site-header.scrolled .nav-brand img{height:108px}}
@media(max-width:960px){.nav-brand img{height:112px}.site-header.scrolled .nav-brand img{height:96px}}
@media(max-width:768px){.nav-brand img{height:100px;padding:6px 12px}.site-header.scrolled .nav-brand img{height:86px}}
@media(max-width:640px){.nav-brand img{height:92px}.site-header.scrolled .nav-brand img{height:80px}}
@media(max-width:480px){.nav-brand img{height:82px;padding:5px 10px}.site-header.scrolled .nav-brand img{height:72px}}
@media(max-width:380px){.nav-brand img{height:72px}.site-header.scrolled .nav-brand img{height:64px}}
.footer-brand img{height:180px;max-height:none;padding:12px 20px}
@media(max-width:960px){.footer-brand img{height:150px}}
@media(max-width:640px){.footer-brand img{height:130px}}
@media(max-width:420px){.footer-brand img{height:110px}}

/* ===== v15 — Application submission overlay ===== */
.submit-overlay{position:fixed;inset:0;background:rgba(4,39,95,.88);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);display:none;align-items:center;justify-content:center;z-index:9999;padding:20px}
.submit-overlay.show{display:flex;animation:fadeIn .25s ease}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.submit-overlay .so-card{background:#fff;border-radius:18px;padding:40px 32px;max-width:460px;width:100%;text-align:center;box-shadow:0 30px 80px rgba(0,0,0,.35)}
.submit-overlay .so-spinner{width:72px;height:72px;margin:0 auto 22px;border:6px solid #e6ecf5;border-top-color:#77B73F;border-right-color:#2463AA;border-radius:50%;animation:soSpin 1s linear infinite}
@keyframes soSpin{to{transform:rotate(360deg)}}
.submit-overlay h3{margin:0 0 8px;color:#04275F;font-size:1.35rem}
.submit-overlay p.so-lead{margin:0 0 18px;color:#4a5568;font-size:.98rem;line-height:1.5}
.submit-overlay .so-steps{list-style:none;padding:0;margin:0;text-align:left;max-width:320px;margin:0 auto}
.submit-overlay .so-steps li{position:relative;padding:8px 0 8px 34px;color:#8a95a7;font-size:.92rem;transition:color .3s}
.submit-overlay .so-steps li::before{content:"";position:absolute;left:6px;top:12px;width:14px;height:14px;border:2px solid #cbd3df;border-radius:50%;background:#fff;transition:all .3s}
.submit-overlay .so-steps li.active{color:#04275F;font-weight:600}
.submit-overlay .so-steps li.active::before{border-color:#2463AA;background:#2463AA;box-shadow:0 0 0 4px rgba(36,99,170,.18)}
.submit-overlay .so-steps li.done{color:#2e7d1f}
.submit-overlay .so-steps li.done::before{border-color:#77B73F;background:#77B73F}
.submit-overlay .so-steps li.done::after{content:"";position:absolute;left:10px;top:14px;width:4px;height:8px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.submit-overlay .so-note{margin-top:18px;padding-top:14px;border-top:1px solid #eef1f5;font-size:.82rem;color:#8a95a7}