/* ==========================================================================
   GEMS PROFINO — stylesheet
   --------------------------------------------------------------------------
   PROTOTYPE. Colours are not final.

   >>> TO CHANGE THE ENTIRE SITE PALETTE, EDIT ONLY THE :root BLOCK BELOW. <<<
   Every colour on every page comes from these tokens. Nothing is hardcoded.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. DESIGN TOKENS  — the only place colours are defined
   -------------------------------------------------------------------------- */
:root {
  /* =====================================================================
     THEME SWITCH — exactly one of the two palettes below may be active.
     To go back to the brand palette: comment out palette B, uncomment A.
     Token NAMES never change, so no other line in this file is touched.
     ===================================================================== */

  /* --- PALETTE A — BRAND, sampled from the client's logo ----------------
     ACTIVE. Confirmed by the client on 23 Sep 2026: green #04512F,
     gold #CF9C35. --cream is the exact creative background the logo PNG was
     keyed from, so the mark sits on it with no visible seam.
     --------------------------------------------------------------------- */
  --ink:          #14241B;   /* body text — a green-black, not pure black     */
  --ink-soft:     #4C5B51;   /* secondary text                                */
  --forest:       #04512F;   /* PRIMARY — the logo green                      */
  --forest-deep:  #032B1A;   /* dark sections, footer, primary button hover   */
  --forest-tint:  #E4EFE8;   /* pale green wash                               */
  --gold:         #CF9C35;   /* accent — the logo gold                        */
  --gold-soft:    #F6E3BE;   /* gold wash                                     */
  --gold-deep:    #A06904;   /* pressed / hover gold                          */
  --cream:        #FFE7D1;   /* page background                               */
  --cream-glass:  rgba(255, 231, 209, 0.94);  /* sticky header                */
  --paper:        #FFF8F0;   /* cards / alternating bands                     */


  /* --- PALETTE B — ORANGE & WHITE (trial) -------------------------------
     NOT ACTIVE. Kept for reference — a Swiggy-style scheme, one hot orange
     carrying every action, everything else white and neutral grey. Token
     roles are unchanged; --forest is still "the primary colour".
     To try it again: wrap palette A above in a comment and un-comment this.
     Declarations are left bare so uncommenting yields valid CSS as-is.
     Also swap the DERIVED block below to the navy tint, noted there.

  --ink:          #282C3F;
  --ink-soft:     #686B78;
  --forest:       #FC8019;
  --forest-deep:  #282C3F;
  --forest-tint:  #FFF3EA;
  --gold:         #FC8019;
  --gold-soft:    #FFE8D3;
  --gold-deep:    #E06D0A;
  --cream:        #FFFFFF;
  --cream-glass:  rgba(255, 255, 255, 0.92);
  --paper:        #F7F7F8;

     --- end of palette B --------------------------------------------- */

  --white:        #FFFFFF;

  /* --- FUNCTIONAL (not brand) --- */
  --wa:           #1FA855;   /* WhatsApp brand green — leave as-is            */
  --wa-dark:      #17803F;
  --error:        #A32020;
  --error-bg:     #FCEDED;
  --error-line:   #F0C9C9;
  --error-ink:    #8F1D1D;

  /* --- DERIVED (leave these; they follow the palette above) ---
     Tinted to palette A's ink. For palette B use rgba(40, 44, 63, ...). */
  --rule:         rgba(20, 36, 27, 0.13);
  --rule-strong:  rgba(20, 36, 27, 0.24);
  --shadow-sm:    0 1px 2px rgba(20, 36, 27, 0.06);
  --shadow-md:    0 4px 16px rgba(20, 36, 27, 0.08);
  --shadow-lg:    0 18px 48px rgba(20, 36, 27, 0.13);

  /* --- TYPE --- */
  --font-display: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --font-body:    "IBM Plex Sans", system-ui, -apple-system, sans-serif;
  --font-mono:    "IBM Plex Mono", ui-monospace, "SF Mono", Menlo, monospace;

  /* --- SPACING / LAYOUT --- */
  --container: 1180px;
  --gutter: 24px;
  --section-y: 96px;
  --radius: 4px;      /* deliberately tight — this is a document, not an app */
  --radius-lg: 8px;
}

/* --------------------------------------------------------------------------
   2. RESET & BASE
   -------------------------------------------------------------------------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--forest); text-decoration-thickness: 1px; text-underline-offset: 3px; }

:focus-visible {
  outline: 2px solid var(--forest);
  outline-offset: 3px;
  border-radius: 2px;
}

::selection { background: var(--gold-soft); color: var(--ink); }

/* --------------------------------------------------------------------------
   3. TYPOGRAPHY
   -------------------------------------------------------------------------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 800;
  line-height: 1.04;
  letter-spacing: -0.028em;
  margin: 0 0 0.5em;
  color: var(--ink);
  text-wrap: balance;
}

h1 { font-size: clamp(2.6rem, 6.2vw, 4.6rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); letter-spacing: -0.02em; }
h4 { font-size: 1.05rem; font-weight: 700; letter-spacing: -0.01em; }

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

/* An eyebrow states a fact about the section — location, count, or status. */
.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin: 0 0 20px;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.eyebrow::before {
  content: "";
  width: 26px;
  height: 2px;
  background: var(--gold);
  flex: none;
}

.lede {
  font-size: clamp(1.05rem, 1.6vw, 1.2rem);
  color: var(--ink-soft);
  max-width: 54ch;
}

/* Tabular figures — every rate, amount and EMI on the site uses this. */
.fig {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1;
}

/* --------------------------------------------------------------------------
   4. LAYOUT PRIMITIVES
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.block { padding-block: var(--section-y); }
.block--tight { padding-block: 64px; }
.block--dark { background: var(--forest-deep); color: var(--gold-soft); }
.block--dark h2,
.block--dark h3 { color: var(--white); }
.block--dark .lede { color: rgba(255, 255, 255, 0.7); }
.block--dark .eyebrow { color: rgba(255, 255, 255, 0.6); }
.block--paper { background: var(--paper); }

.block-head { max-width: 62ch; margin-bottom: 52px; }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* --------------------------------------------------------------------------
   5. BUTTONS
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 15px 26px;
  font-family: var(--font-body);
  font-size: 0.97rem;
  font-weight: 600;
  line-height: 1;
  border: 1.5px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.14s ease, background-color 0.18s ease,
              border-color 0.18s ease, color 0.18s ease;
}

.btn:active { transform: translateY(1px); }

.btn--primary { background: var(--forest); color: var(--white); }
.btn--primary:hover { background: var(--forest-deep); }

.btn--gold { background: var(--gold); color: var(--forest-deep); }
.btn--gold:hover { background: var(--gold-deep); }

.btn--ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--rule-strong);
}
.btn--ghost:hover { border-color: var(--ink); background: rgba(20, 36, 27, 0.04); }

.btn--wa { background: var(--wa); color: var(--white); }
.btn--wa:hover { background: var(--wa-dark); }

.btn--block { width: 100%; }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

/* --------------------------------------------------------------------------
   6. PROTOTYPE BANNER
   Delete the <div class="proto-banner"> from each HTML file before launch.
   -------------------------------------------------------------------------- */
.proto-banner {
  background: var(--ink);
  color: var(--gold-soft);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-align: center;
  padding: 9px 16px;
  line-height: 1.5;
}
.proto-banner strong { color: var(--white); }

/* --------------------------------------------------------------------------
   7. HEADER / NAV
   -------------------------------------------------------------------------- */
.site-head {
  position: sticky;
  top: 0;
  z-index: 60;
  background: var(--cream-glass);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--rule);
}

.head-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 72px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
  color: var(--ink);
  flex: none;
}

.brand-mark {
  width: 38px; height: 38px;
  flex: none;
  border-radius: 50%;
  background: var(--forest);
  color: var(--gold);
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
}

.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.12rem;
  letter-spacing: -0.02em;
}
.brand-tag {
  font-size: 0.66rem;
  color: var(--ink-soft);
  letter-spacing: 0.04em;
}

.nav { display: flex; align-items: center; gap: 4px; }

.nav a {
  padding: 9px 13px;
  font-size: 0.93rem;
  font-weight: 500;
  color: var(--ink);
  text-decoration: none;
  border-radius: var(--radius);
}
.nav a:hover { background: rgba(20, 36, 27, 0.06); }
.nav a[aria-current="page"] { color: var(--forest); font-weight: 600; }

.head-cta { display: flex; align-items: center; gap: 10px; flex: none; }

.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  background: transparent;
  border: 1px solid var(--rule-strong);
  border-radius: var(--radius);
  cursor: pointer;
  padding: 0;
  place-items: center;
}
.nav-toggle span {
  display: block;
  width: 18px; height: 1.5px;
  background: var(--ink);
  position: relative;
}
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 18px; height: 1.5px;
  background: var(--ink);
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }

/* Dropdown for loan products */
.has-sub { position: relative; }
.sub {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 230px;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 7px;
  display: none;
  flex-direction: column;
}
.has-sub:hover .sub,
.has-sub:focus-within .sub { display: flex; }
.sub a { padding: 10px 12px; font-size: 0.9rem; }

/* --------------------------------------------------------------------------
   8. HERO
   -------------------------------------------------------------------------- */
.hero { padding-block: 80px 96px; position: relative; overflow: hidden; }

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: start;
}

.hero h1 { margin-bottom: 22px; }
.hero h1 .accent {
  color: var(--forest);
  display: inline-block;
  position: relative;
}
.hero h1 .accent::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0.06em;
  height: 0.16em;
  background: var(--gold-soft);
  z-index: -1;
}

.hero-actions { margin-top: 32px; }

.hero-assure {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
  margin-top: 26px;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
  list-style: none;
  padding-inline: 0;
}
.hero-assure li {
  font-size: 0.87rem;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  gap: 8px;
}
.hero-assure li::before {
  content: "\2713";
  width: 17px; height: 17px;
  flex: none;
  border-radius: 50%;
  background: var(--forest);
  color: var(--white);
  font-size: 0.6rem;
  line-height: 17px;
  text-align: center;
  font-weight: 700;
}

/* --------------------------------------------------------------------------
   9. THE SLIP — signature element.
   Styled after a bank sanction slip: perforated top, mono figures, gold seal.
   -------------------------------------------------------------------------- */
.slip {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 34px 30px 30px;
  position: relative;
}

/* perforation */
.slip::before {
  content: "";
  position: absolute;
  top: 13px; left: 22px; right: 22px;
  height: 4px;
  background-image: radial-gradient(circle, var(--rule-strong) 1.4px, transparent 1.5px);
  background-size: 11px 4px;
  background-repeat: repeat-x;
}

.slip-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 26px;
}

.slip-title {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin: 0;
}

.slip-seal {
  width: 56px; height: 56px;
  flex: none;
  border-radius: 50%;
  border: 1.5px dashed var(--gold);
  color: var(--forest);
  display: grid;
  place-items: center;
  text-align: center;
  font-family: var(--font-mono);
  font-size: 0.54rem;
  line-height: 1.25;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: var(--gold-soft);
}

.slip-field { margin-bottom: 22px; }

.slip-field-top {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 9px;
}

.slip-label {
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--ink-soft);
}

.slip-value {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--ink);
}

/* Range inputs */
.slip-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 22px;
  background: transparent;
  cursor: pointer;
  margin: 0;
  display: block;
}
.slip-range::-webkit-slider-runnable-track {
  height: 3px;
  background: var(--rule-strong);
  border-radius: 2px;
}
.slip-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px; height: 20px;
  margin-top: -8.5px;
  border-radius: 50%;
  background: var(--forest);
  border: 3px solid var(--paper);
  box-shadow: 0 0 0 1px var(--forest);
}
.slip-range::-moz-range-track {
  height: 3px;
  background: var(--rule-strong);
  border-radius: 2px;
}
.slip-range::-moz-range-thumb {
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--forest);
  border: 3px solid var(--paper);
  box-shadow: 0 0 0 1px var(--forest);
}

.slip-scale {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 0.67rem;
  color: var(--ink-soft);
  margin-top: 2px;
}

.slip-rule {
  border: 0;
  border-top: 1px dashed var(--rule-strong);
  margin: 26px 0 22px;
}

.slip-out {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 20px;
}

.slip-out-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin: 0 0 4px;
}

/* Display face, not mono: in a monospace the thousands comma takes a full
   character cell and the number reads as "46 , 607". Mono stays on the
   smaller supporting figures, where column alignment is what matters. */
.slip-emi {
  font-family: var(--font-display);
  font-variant-numeric: tabular-nums;
  font-size: clamp(2.1rem, 4.4vw, 2.7rem);
  font-weight: 800;
  letter-spacing: -0.035em;
  line-height: 1;
  color: var(--forest);
}

.slip-emi-note {
  font-size: 0.76rem;
  color: var(--ink-soft);
  text-align: right;
  line-height: 1.4;
  max-width: 14ch;
}

.slip-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 22px;
}
.slip-meta div {
  background: var(--paper);
  padding: 12px 14px;
}
.slip-meta dt {
  font-size: 0.72rem;
  color: var(--ink-soft);
  margin-bottom: 3px;
}
.slip-meta dd {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-size: 0.95rem;
  font-weight: 600;
  margin: 0;
}

.slip-foot {
  font-size: 0.74rem;
  color: var(--ink-soft);
  margin-top: 14px;
  line-height: 1.5;
}

/* Home hero without the slip (calculators moved to emi-calculator.html,
   28 Sep 2026). */
.hero-grid--solo { grid-template-columns: minmax(0, 760px); }

/* Home hero, right column — short list of the four loans */
.hero-loans {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  /* Top is 14px because the first row adds its own 16px: 30px on every side.
     Was 30px 30px 24px while the "Loans we arrange" eyebrow sat on top. */
  padding: 14px 30px 26px;
}
.hero-loans .eyebrow { margin-bottom: 8px; }
.hero-loan {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--rule);
  color: var(--ink);
  text-decoration: none;
}
.hero-loan strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.hero-loan strong + span { display: block; font-size: 0.85rem; color: var(--ink-soft); }
.hero-loan-go { color: var(--forest); flex: none; }
.hero-loan:hover strong { color: var(--forest); }
.hero-loans-note { font-size: 0.85rem; color: var(--ink-soft); margin-top: 16px; }

/* emi-calculator.html — loan-type tabs above a single slip */
.calc-wrap > * { max-width: 560px; }

.calc-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}
.calc-tabs button {
  font: inherit;
  font-size: 0.9rem;
  font-weight: 500;
  padding: 9px 16px;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  background: var(--paper);
  color: var(--ink);
  cursor: pointer;
}
.calc-tabs button:hover { border-color: var(--forest); }
.calc-tabs button[aria-selected="true"] {
  background: var(--forest);
  border-color: var(--forest);
  color: var(--white);
}
.calc-tabs button:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

/* --------------------------------------------------------------------------
   10. LENDER RAIL
   -------------------------------------------------------------------------- */
.rail {
  border-block: 1px solid var(--rule);
  background: var(--paper);
  padding-block: 20px;
  overflow: hidden;
}

.rail-inner {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
  justify-content: center;
}

.rail-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  flex: none;
}

.rail-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
  justify-content: center;
}

.rail-list li {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--ink-soft);
  border: 1px solid var(--rule);
  border-radius: 100px;
  padding: 5px 13px;
  background: var(--cream);
}

/* --------------------------------------------------------------------------
   11. RATE SHEET — loan products as rows, not cards
   -------------------------------------------------------------------------- */
.sheet {
  border-top: 2px solid var(--ink);
}

.sheet-head,
.sheet-row {
  display: grid;
  grid-template-columns: 2.2fr 1.4fr 1.2fr auto;   /* 4 cols since the rate/amount/tenure columns came out */
  gap: 20px;
  align-items: center;
  padding-block: 22px;
  border-bottom: 1px solid var(--rule);
}

.sheet-head {
  padding-block: 12px;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  border-bottom: 1px solid var(--rule-strong);
}

.sheet-row {
  text-decoration: none;
  color: var(--ink);
  transition: background-color 0.16s ease, padding-inline 0.16s ease;
}
.sheet-row:hover {
  background: var(--forest-tint);
  padding-inline: 14px;
}

.sheet-name { display: flex; flex-direction: column; gap: 3px; }
.sheet-name strong {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  letter-spacing: -0.02em;
}
.sheet-name span { font-size: 0.86rem; color: var(--ink-soft); }

.sheet-val {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-size: 0.98rem;
  font-weight: 500;
}
.sheet-val em {
  display: block;
  font-family: var(--font-body);
  font-style: normal;
  font-size: 0.72rem;
  color: var(--ink-soft);
  margin-top: 2px;
}

.sheet-go {
  font-family: var(--font-mono);
  font-size: 1.1rem;
  color: var(--forest);
  justify-self: end;
}

.sheet-note {
  font-size: 0.8rem;
  color: var(--ink-soft);
  margin-top: 20px;
  max-width: 70ch;
}

/* --------------------------------------------------------------------------
   12. PROSE + PILLARS
   -------------------------------------------------------------------------- */
.split {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 64px;
  align-items: start;
}

.pillars { list-style: none; margin: 0; padding: 0; }

.pillars li {
  padding: 26px 0;
  border-top: 1px solid var(--rule);
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px;
  align-items: baseline;
}
.pillars li:last-child { border-bottom: 1px solid var(--rule); }

.pillar-k {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--gold);
  font-weight: 500;
  padding-top: 4px;
}

.pillars h3 { margin-bottom: 8px; }
.pillars p { color: var(--ink-soft); font-size: 0.96rem; margin: 0; }

/* Stat strip */
.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1px;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stats div { background: var(--forest-deep); padding: 28px 24px; }
.stats dt {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 8px;
}
.stats dd {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--white);
  margin: 0;
}

/* --------------------------------------------------------------------------
   13. PROCESS — numbering is justified here: it is a real sequence
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 0;
  counter-reset: step;
  list-style: none;
  margin: 0;
  padding: 0;
  border-top: 1px solid var(--rule);
}

.steps li {
  counter-increment: step;
  padding: 30px 26px 30px 0;
  border-right: 1px solid var(--rule);
  position: relative;
}
.steps li:last-child { border-right: 0; }
.steps li:not(:first-child) { padding-left: 26px; }

.steps li::before {
  content: counter(step, decimal-leading-zero);
  font-family: var(--font-mono);
  font-size: 0.75rem;
  color: var(--gold);
  display: block;
  margin-bottom: 14px;
  letter-spacing: 0.08em;
}

.steps h3 { font-size: 1.08rem; margin-bottom: 7px; }
.steps p { font-size: 0.92rem; color: var(--ink-soft); margin: 0; }

/* --------------------------------------------------------------------------
   14. TESTIMONIALS
   -------------------------------------------------------------------------- */
.quotes {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 24px;
}

.quote {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.quote blockquote {
  margin: 0;
  font-size: 1.02rem;
  line-height: 1.6;
}

.quote figcaption {
  margin-top: auto;
  padding-top: 18px;
  border-top: 1px solid var(--rule);
  font-size: 0.85rem;
}
.quote figcaption strong { display: block; font-weight: 600; }
.quote figcaption span {
  font-family: var(--font-mono);
  font-size: 0.73rem;
  color: var(--ink-soft);
  letter-spacing: 0.04em;
}

/* --------------------------------------------------------------------------
   15. FAQ
   -------------------------------------------------------------------------- */
.faq { border-top: 1px solid var(--rule-strong); max-width: 800px; }

.faq details {
  border-bottom: 1px solid var(--rule);
}

.faq summary {
  cursor: pointer;
  padding: 22px 40px 22px 0;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  letter-spacing: -0.015em;
  position: relative;
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }

.faq summary::after {
  content: "+";
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-mono);
  font-weight: 400;
  font-size: 1.4rem;
  color: var(--forest);
}
.faq details[open] summary::after { content: "\2013"; }

.faq details > div {
  padding: 0 40px 24px 0;
  color: var(--ink-soft);
  font-size: 0.96rem;
}

/* --------------------------------------------------------------------------
   16. FORM
   -------------------------------------------------------------------------- */
.form-wrap {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: start;
}

.form-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 34px 32px;
}

.field { margin-bottom: 18px; }

.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 7px;
}
.field label .req { color: var(--forest); }

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 13px 14px;
  font-family: var(--font-body);
  font-size: 0.97rem;
  color: var(--ink);
  background: var(--white);
  border: 1.5px solid var(--rule-strong);
  border-radius: var(--radius);
  transition: border-color 0.16s ease, box-shadow 0.16s ease;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--forest);
  box-shadow: 0 0 0 3px var(--forest-tint);
}
.field textarea { resize: vertical; min-height: 86px; }

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

.field-hint { font-size: 0.78rem; color: var(--ink-soft); margin-top: 6px; }

.field-error {
  font-size: 0.8rem;
  color: var(--error);
  margin-top: 6px;
  display: none;
}
.field.is-invalid .field-error { display: block; }
.field.is-invalid input,
.field.is-invalid select { border-color: var(--error); }

.consent {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 11px;
  align-items: start;
  margin: 22px 0;
  font-size: 0.8rem;
  color: var(--ink-soft);
  line-height: 1.5;
}
.consent input { width: 17px; height: 17px; margin-top: 2px; flex: none; }

.field--consent { margin-bottom: 8px; }
.field--consent .consent { margin: 0; }
.field--consent.is-invalid .consent input { outline: 2px solid var(--error); outline-offset: 2px; }
.field--consent .field-error { margin-top: 8px; }

/* Radio choice (partner page: loan or partner) */
.field--choice { border: 0; padding: 0; margin: 0 0 18px; min-width: 0; }
.field--choice legend {
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 9px;
  padding: 0;
}
.field .choice {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 8px;
  padding: 11px 14px;
  font-size: 0.95rem;
  font-weight: 500;
  background: var(--white);
  border: 1.5px solid var(--rule-strong);
  border-radius: var(--radius);
  cursor: pointer;
  transition: border-color 0.16s ease, box-shadow 0.16s ease;
}
.field .choice input {
  width: 17px;
  height: 17px;
  margin: 0;
  padding: 0;
  flex: none;
  accent-color: var(--forest);
  box-shadow: none;
}
.field .choice:has(input:checked) { border-color: var(--forest); box-shadow: 0 0 0 3px var(--forest-tint); }
.field .choice:has(input:focus-visible) { border-color: var(--forest); }
.field--choice.is-invalid .choice { border-color: var(--error); }

.form-status {
  margin-top: 16px;
  font-size: 0.88rem;
  padding: 12px 14px;
  border-radius: var(--radius);
  display: none;
}
.form-status.is-error {
  display: block;
  background: var(--error-bg);
  color: var(--error-ink);
  border: 1px solid var(--error-line);
}
.form-status.is-busy {
  display: block;
  background: var(--forest-tint);
  color: var(--forest-deep);
}

.or-wa {
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px dashed var(--rule-strong);
  text-align: center;
}
.or-wa p { font-size: 0.83rem; color: var(--ink-soft); margin-bottom: 12px; }

/* --------------------------------------------------------------------------
   17. FOOTER
   -------------------------------------------------------------------------- */
.site-foot {
  background: var(--forest-deep);
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.9rem;
  padding-block: 64px 28px;
}

.foot-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 44px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.site-foot h4 {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.site-foot a { color: rgba(255, 255, 255, 0.72); text-decoration: none; }
.site-foot a:hover { color: var(--white); text-decoration: underline; }

.foot-list { list-style: none; margin: 0; padding: 0; }
.foot-list li { margin-bottom: 9px; }

.foot-brand .brand-mark { background: var(--gold); color: var(--forest-deep); }
.foot-brand .brand-name { color: var(--white); }
.foot-brand .brand-tag { color: rgba(255, 255, 255, 0.6); }
.foot-brand p { margin-top: 18px; max-width: 34ch; font-size: 0.87rem; }

.disclaimer {
  margin-top: 28px;
  padding: 18px 20px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  font-size: 0.8rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.62);
}

.foot-bottom {
  padding-top: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 26px;
  justify-content: space-between;
  align-items: center;
  font-size: 0.79rem;
  color: rgba(255, 255, 255, 0.55);
}

/* Social icons, bottom-right of the footer */
.foot-social { display: flex; gap: 10px; }
.site-foot .social-btn {
  width: 38px; height: 38px;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 50%;
  color: var(--white);
  transition: background-color .2s ease, color .2s ease, border-color .2s ease;
}
.site-foot .social-btn:hover,
.site-foot .social-btn:focus-visible {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--forest-deep);
  text-decoration: none;
}

/* --------------------------------------------------------------------------
   18. STICKY MOBILE ACTION BAR
   Most traffic from Instagram / Meta ads is mobile. This is the main CTA.
   -------------------------------------------------------------------------- */
.mobile-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 70;
  display: none;
  gap: 1px;
  background: var(--rule);
  border-top: 1px solid var(--rule-strong);
  box-shadow: 0 -6px 20px rgba(20, 36, 27, 0.1);
}
.mobile-bar a {
  flex: 1;
  padding: 15px 8px;
  font-size: 0.88rem;
  font-weight: 600;
  border-radius: 0;
  border: 0;
}

/* --------------------------------------------------------------------------
   19. INNER PAGE HEADER
   -------------------------------------------------------------------------- */
.page-head {
  padding-block: 60px 52px;
  border-bottom: 1px solid var(--rule);
}
.page-head h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }

.crumbs {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  color: var(--ink-soft);
  margin-bottom: 22px;
}
.crumbs a { color: var(--ink-soft); text-decoration: none; }
.crumbs a:hover { color: var(--forest); text-decoration: underline; }

/* Key-facts strip on loan pages */
.facts {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 36px;
}
.facts div { background: var(--paper); padding: 20px 22px; }
.facts dt {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 7px;
}
.facts dd {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-size: 1.05rem;
  font-weight: 600;
  margin: 0;
  letter-spacing: -0.01em;
}

/* Checklists on loan pages */
.check { list-style: none; margin: 0; padding: 0; }
.check li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 13px;
  padding: 11px 0;
  border-bottom: 1px solid var(--rule);
  font-size: 0.96rem;
}
.check li::before {
  content: "\2713";
  width: 18px; height: 18px;
  margin-top: 5px;
  flex: none;
  border-radius: 3px;
  background: var(--forest-tint);
  border: 1.5px solid var(--forest);
  color: var(--forest);
  font-size: 0.68rem;
  line-height: 15px;
  text-align: center;
  font-weight: 700;
}

/* Link lists reuse .check's layout but not its tick: a checkmark asserts
   something is included, which is the wrong meaning for a link. */
.check--links li::before {
  content: "97";
  background: transparent;
  border: 0;
  border-radius: 0;
  color: var(--gold);
  font-size: 0.9rem;
  line-height: 1.2;
  margin-top: 1px;
  width: 14px;
  text-align: left;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}

/* Long-form legal / about copy */
.prose { max-width: 72ch; }
.prose h2 { font-size: clamp(1.5rem, 2.6vw, 1.9rem); margin-top: 48px; }
.prose h3 { font-size: 1.15rem; margin-top: 32px; }
.prose ul { padding-left: 22px; }
.prose li { margin-bottom: 9px; }
.prose > *:first-child { margin-top: 0; }

/* Placeholder marker — anything the client still has to confirm.
   Deliberately quiet: when nearly every figure on a prototype is pending,
   a strong highlight stops reading as "pending" and starts reading as
   "broken". A dotted rule plus the faintest tint is enough to find them. */
.tbc {
  background: var(--gold-soft);
  border-bottom: 1px dotted var(--gold);
  padding: 0 2px;
  cursor: help;
}

/* On any dark surface a gold tint buries the white text and reads as a
   stray highlighted box, so mark those with the rule alone. */
.block--dark .tbc,
.site-foot .tbc {
  background: transparent;
  border-bottom-color: var(--gold);
  color: inherit;
}

/* Whole-block placeholders (a sample testimonial, a paragraph of sample
   copy) get no fill at all — the section's own label says it is sample
   content, and tinting an entire card just looks like a rendering fault. */
.quote.tbc,
p.tbc,
.prose .tbc {
  background: transparent;
  border-bottom: 0;
  padding: 0;
}

.quote.tbc {
  border-style: dashed;
  border-color: var(--gold);
}

/* --------------------------------------------------------------------------
   20. MOTION — page-load stagger, scroll reveal
   -------------------------------------------------------------------------- */
.rise {
  opacity: 0;
  transform: translateY(14px);
  animation: rise 0.6s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}
.rise--1 { animation-delay: 0.05s; }
.rise--2 { animation-delay: 0.13s; }
.rise--3 { animation-delay: 0.21s; }
.rise--4 { animation-delay: 0.29s; }
.rise--5 { animation-delay: 0.37s; }

@keyframes rise {
  to { opacity: 1; transform: none; }
}

/* Scroll reveal is progressive enhancement ONLY.
   The .js class is set by an inline script in <head>, so when scripting is
   unavailable or fails these blocks are simply visible. Content must never
   depend on JavaScript to be readable. */
.js .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}
.js .reveal.is-in { opacity: 1; transform: none; }

/* --------------------------------------------------------------------------
   21. RESPONSIVE
   -------------------------------------------------------------------------- */
@media (max-width: 1000px) {
  :root { --section-y: 72px; }

  .hero-grid,
  .split,
  .form-wrap,
  .two-col { grid-template-columns: 1fr; gap: 44px; }

  .foot-grid { grid-template-columns: 1fr 1fr; gap: 36px; }

  .sheet-head { display: none; }
  .sheet-row {
    grid-template-columns: 1fr auto;
    gap: 8px 18px;
    padding-block: 20px;
  }
  .sheet-name { grid-column: 1; }
  .sheet-go { grid-column: 2; grid-row: 1; align-self: center; }
  .sheet-val { grid-column: 1 / -1; font-size: 0.87rem; }
  .sheet-val em { display: inline; margin-left: 6px; }
  .sheet-row:hover { padding-inline: 0; background: transparent; }

  .steps { border-top: 0; }
  .steps li {
    border-right: 0;
    border-top: 1px solid var(--rule);
    padding: 26px 0;
  }
  .steps li:not(:first-child) { padding-left: 0; }
}

@media (max-width: 760px) {
  body { font-size: 16px; padding-bottom: 58px; }

  .nav-toggle { display: grid; }

  .nav {
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    background: var(--paper);
    border-bottom: 1px solid var(--rule);
    box-shadow: var(--shadow-lg);
    padding: 10px 16px 18px;
    gap: 0;
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 13px 8px; border-bottom: 1px solid var(--rule); }

  .sub {
    position: static;
    display: flex;
    box-shadow: none;
    border: 0;
    padding: 0 0 0 16px;
    background: transparent;
  }

  .head-cta { display: none; }

  .mobile-bar { display: flex; }

  .slip { padding: 30px 22px 26px; }
  .slip-meta { grid-template-columns: 1fr; }
  .slip-out { flex-direction: column; align-items: flex-start; gap: 8px; }
  .slip-emi-note { text-align: left; max-width: none; }

  .field-row { grid-template-columns: 1fr; }
  .form-card { padding: 26px 20px; }

  .foot-grid { grid-template-columns: 1fr; gap: 32px; }

  .hero { padding-block: 48px 64px; }
}

/* --------------------------------------------------------------------------
   22. ACCESSIBILITY / PRINT
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .rise,
  .js .reveal,
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-head,
  .mobile-bar,
  .proto-banner { display: none; }
  body { background: #fff; }
}

/* Multi-part fact values: the <br> in the markup splits the parts, and each
   part stays whole. 4 across on desktop, 2x2 on tablet, stacked on phones. */
.facts dd span { white-space: nowrap; }
@media (max-width: 1180px) { .facts { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px)  { .facts { grid-template-columns: 1fr; } }
/* Three-item strip (contact page, after the phone box was removed) */
.facts--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 1180px) { .facts--3 { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px)  { .facts--3 { grid-template-columns: 1fr; } }