/* ==========================================================================
   ADGAS — adgasfinance.co.za
   Hand-written CSS. No build step. No frameworks.
   --------------------------------------------------------------------------
   1.  Tokens
   2.  Reset & base
   3.  Typography
   4.  Layout primitives
   5.  Buttons & links
   6.  Header & navigation
   7.  Footer
   8.  Hero & page heads
   9.  Sections & components
   10. Forms
   11. Floating WhatsApp button
   12. Motion
   13. Responsive
   ========================================================================== */

/* ==========================================================================
   1. TOKENS
   ========================================================================== */
:root {
  /* --------------------------------------------------------------------
     Brand — sampled from the ADGAS logo.
     Each hue has one job, so the palette reads as a system:
       navy   structure and dark surfaces
       blue   links, navigation, quiet accents
       orange action — anything the visitor is meant to click
       amber  emphasis — key figures and highlights
       green  confirmation — ticks, approvals, success
     -------------------------------------------------------------------- */
  --navy-900: #0A1B30;
  --navy-800: #10294C;
  --navy-700: #1A3C6B;
  --navy-600: #27538F;
  --blue-600: #2C66BC;   /* UI accent — 5.62:1 on white (WCAG AA) */
  --blue-700: #1F4F96;   /* accent hover */
  --blue-500: #00ADEF;   /* logo cyan, for use ON navy — 5.70:1 */
  --blue-100: #D3E4F7;
  --blue-50:  #EDF4FC;

  /* Action — logo orange. Carries dark label text (7.29:1), never white. */
  --orange-500:#F68712;
  --orange-600:#E07405;   /* fill hover */
  --orange-700:#B25600;   /* orange as text on white — 4.97:1 */
  --orange-50: #FFF3E3;

  /* Neutrals — near-neutral greys to sit under the black wordmark */
  --ink:      #111418;
  --ink-70:   #454B55;
  --muted:    #5E6673;
  --line:     #E4E7EC;
  --line-soft:#EFF1F4;
  --bg:       #FFFFFF;
  --bg-alt:   #F6F7F9;
  --bg-tint:  #FAFBFC;

  /* Support */
  --green-600:#1E7D22;   /* logo green deepened — 5.23:1 on white */
  --green-500:#40B93C;   /* logo green, for fills and illustration */
  --green-50: #EAF7E9;
  --wa-green: #0E7C42;   /* WhatsApp brand green, deepened — 5.28:1 with white */
  --amber-600:#8A6200;   /* logo amber deepened — 5.49:1 on white */
  --amber-500:#FBC108;   /* logo amber, for fills and on-navy emphasis */
  --amber-50: #FFF6E0;

  /* Type — deliberately restrained scale */
  --font-display: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --fs-display: clamp(1.85rem, 1.25rem + 2.3vw, 2.85rem);
  --fs-h1:      clamp(1.65rem, 1.2rem + 1.75vw, 2.4rem);
  --fs-h2:      clamp(1.35rem, 1.12rem + .95vw, 1.8rem);
  --fs-h3:      clamp(1.05rem, 1rem + .25vw, 1.18rem);
  --fs-lead:    clamp(.98rem, .95rem + .18vw, 1.07rem);
  --fs-body:    1rem;
  --fs-sm:      0.9125rem;
  --fs-xs:      0.8125rem;

  /* Layout */
  --wrap: 1160px;
  --wrap-narrow: 860px;
  --gutter: clamp(1.25rem, 4.5vw, 2.5rem);
  --section-y: clamp(3.5rem, 6.5vw, 6rem);

  /* Shape */
  --r-xs: 6px;
  --r-sm: 10px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 26px;
  --r-pill: 999px;

  /* Elevation — restrained, never a generic drop shadow */
  --shadow-xs: 0 1px 2px rgba(16, 41, 76, .05);
  --shadow-sm: 0 1px 2px rgba(16, 41, 76, .04), 0 8px 20px -14px rgba(16, 41, 76, .28);
  --shadow-md: 0 2px 4px rgba(16, 41, 76, .04), 0 18px 40px -22px rgba(16, 41, 76, .30);
  --shadow-lg: 0 4px 8px rgba(16, 41, 76, .05), 0 40px 70px -34px rgba(16, 41, 76, .38);

  /* Motion */
  --ease: cubic-bezier(.22, 1, .36, 1);
  --ease-soft: cubic-bezier(.4, 0, .2, 1);
  --t-fast: .18s;
  --t-base: .32s;
  --t-slow: .6s;

  --header-h: 82px;
}

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

/* The hidden attribute must win over component display rules */
[hidden] { display: none !important; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 24px);
  overflow-x: clip;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.7;
  color: var(--ink-70);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: 'kern' 1, 'liga' 1, 'cv11' 1;
  overflow-x: clip;
}

body.is-locked { overflow: hidden; }

img, svg, video { max-width: 100%; height: auto; display: block; }
img { border-style: none; }

ul, ol { margin: 0; padding: 0; }
li { list-style: none; }

button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; padding: 0; }

a { color: var(--blue-600); text-decoration: none; }
a:hover { color: var(--navy-700); }

/* Inline links inside prose must not rely on colour alone (WCAG 1.4.1) */
p a:not(.btn):not(.link-arrow),
.field__hint a, .check span a, .notice a, .faq__body a {
  text-decoration: underline;
  text-underline-offset: .18em;
  text-decoration-thickness: 1px;
}

hr { border: 0; border-top: 1px solid var(--line); margin: 0; }

:focus-visible {
  outline: 2px solid var(--blue-600);
  outline-offset: 3px;
  border-radius: 3px;
}

::selection { background: var(--blue-100); color: var(--navy-800); }

.skip-link {
  position: absolute;
  top: -100px; left: var(--gutter);
  z-index: 200;
  padding: .75rem 1.25rem;
  background: var(--navy-800);
  color: #fff;
  border-radius: 0 0 var(--r-sm) var(--r-sm);
  font-weight: 600;
  transition: top var(--t-base) var(--ease);
}
.skip-link:focus { top: 0; color: #fff; }

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

/* ==========================================================================
   3. TYPOGRAPHY
   ========================================================================== */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--navy-800);
  font-weight: 800;
  line-height: 1.16;
  letter-spacing: -.024em;
  margin: 0 0 .55em;
  text-wrap: balance;
}
h3, h4, h5 { font-weight: 700; letter-spacing: -.016em; line-height: 1.3; }

h1 { font-size: var(--fs-h1); }
h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); }
h4 { font-size: 1rem; }

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

.lead {
  font-size: var(--fs-lead);
  line-height: 1.65;
  color: var(--muted);
  max-width: 62ch;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--font-display);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: .9rem;
}
.eyebrow::before {
  content: '';
  width: 20px; height: 1.5px;
  background: currentColor;
  opacity: .5;
}

.section-head { max-width: 44rem; margin-bottom: clamp(2rem, 3.8vw, 3rem); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow { justify-content: center; }
.section-head--center .lead { margin-inline: auto; }
.section-head p { color: var(--muted); font-size: var(--fs-lead); line-height: 1.65; }

.accent { color: var(--blue-600); }

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

.section { padding-block: var(--section-y); position: relative; }
.section--tight { padding-block: clamp(2.5rem, 4.5vw, 4rem); }
.section--alt { background: var(--bg-alt); }
.section--tint { background: var(--bg-tint); }

.section--navy {
  background: var(--navy-800);
  color: rgba(255, 255, 255, .74);
}
.section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.section--navy .lead, .section--navy .section-head p { color: rgba(255, 255, 255, .72); }
.section--navy .eyebrow { color: var(--blue-500); }

/* Section with a photographic background + dark overlay (overlay baked into image) */
.section--photo {
  color: rgba(255, 255, 255, .78);
  background-color: var(--navy-900);
  background-image: url('../img/section-apply-bg.jpg');
  background-image: image-set(url('../img/section-apply-bg.webp') type('image/webp'),
                              url('../img/section-apply-bg.jpg') type('image/jpeg'));
  background-size: cover;
  background-position: center;
}
.section--photo h2, .section--photo h3 { color: #fff; }
.section--photo .section-head p, .section--photo .lead { color: rgba(255, 255, 255, .76); }
.section--photo .eyebrow { color: var(--blue-500); }

.grid { display: grid; gap: clamp(1.1rem, 2vw, 1.5rem); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.split--wide-left { grid-template-columns: 1.08fr .92fr; }
.split--wide-right { grid-template-columns: .92fr 1.08fr; }

/* ==========================================================================
   5. BUTTONS
   ========================================================================== */
.btn {
  --btn-bg: var(--navy-800);
  --btn-fg: #fff;
  --btn-bd: var(--navy-800);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .6rem;
  font-family: var(--font-display);
  font-size: .92rem;
  font-weight: 700;
  letter-spacing: -.01em;
  line-height: 1;
  padding: 1rem 1.6rem;
  border: 1px solid var(--btn-bd);
  border-radius: var(--r-pill);
  background: var(--btn-bg);
  color: var(--btn-fg);
  text-align: center;
  white-space: nowrap;
  transition: transform var(--t-fast) var(--ease),
              background-color var(--t-base) var(--ease),
              border-color var(--t-base) var(--ease),
              color var(--t-base) var(--ease),
              box-shadow var(--t-base) var(--ease);
}
.btn:hover { color: var(--btn-fg); transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

/* Primary action — logo orange. The label is ink rather than white because
   white on this orange is only 2.5:1; ink gives 7.29:1. */
.btn--primary { --btn-bg: var(--orange-500); --btn-bd: var(--orange-500); --btn-fg: var(--ink); box-shadow: 0 10px 26px -14px rgba(246, 135, 18, .9); }
.btn--primary:hover { --btn-bg: var(--orange-600); --btn-bd: var(--orange-600); --btn-fg: var(--ink); box-shadow: 0 16px 32px -14px rgba(246, 135, 18, .85); }

.btn--navy:hover { --btn-bg: var(--navy-700); --btn-bd: var(--navy-700); }

.btn--ghost { --btn-bg: transparent; --btn-fg: var(--navy-800); --btn-bd: var(--line); }
.btn--ghost:hover { --btn-bd: var(--navy-800); --btn-bg: transparent; --btn-fg: var(--navy-800); background: rgba(16, 41, 76, .04); }

.btn--white { --btn-bg: #fff; --btn-fg: var(--navy-800); --btn-bd: #fff; }
.btn--white:hover { --btn-bg: #fff; --btn-fg: var(--orange-700); }

.btn--outline-light { --btn-bg: transparent; --btn-fg: #fff; --btn-bd: rgba(255,255,255,.32); }
.btn--outline-light:hover { --btn-bd: rgba(255,255,255,.7); background: rgba(255,255,255,.07); --btn-fg: #fff; }

.btn--wa { --btn-bg: var(--wa-green); --btn-bd: var(--wa-green); }
.btn--wa:hover { --btn-bg: #0B6836; --btn-bd: #0B6836; }

.btn--sm { padding: .78rem 1.25rem; font-size: .865rem; }
.btn--lg { padding: 1.1rem 1.9rem; font-size: .96rem; }
.btn--block { width: 100%; }
.btn[disabled], .btn[aria-disabled='true'] { opacity: .55; pointer-events: none; }

.btn svg { width: 1.05em; height: 1.05em; flex: none; }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  align-items: center;
}

/* Text link with animated underline */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .92rem;
  color: var(--blue-600);
  position: relative;
}
.link-arrow svg { width: 1em; height: 1em; transition: transform var(--t-base) var(--ease); }
.link-arrow::after {
  content: '';
  position: absolute;
  left: 0; bottom: -3px;
  width: 100%; height: 1.5px;
  background: currentColor;
  transform: scaleX(0);
  transform-origin: right;
  transition: transform var(--t-base) var(--ease);
}
.link-arrow:hover { color: var(--navy-700); }
.link-arrow:hover::after { transform: scaleX(1); transform-origin: left; }
.link-arrow:hover svg { transform: translateX(3px); }

/* ==========================================================================
   6. HEADER & NAVIGATION
   ========================================================================== */
.topbar {
  background: var(--navy-900);
  color: rgba(255, 255, 255, .68);
  font-size: var(--fs-xs);
  letter-spacing: .005em;
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  min-height: 40px;
  padding-block: .3rem;
}
.topbar a, .topbar__meta { line-height: 1; }
.topbar__meta { display: flex; align-items: center; gap: .5rem; }
.topbar__meta svg { width: 14px; height: 14px; color: var(--blue-500); flex: none; }
.topbar__links { display: flex; align-items: center; gap: 1.5rem; }
.topbar a { color: rgba(255, 255, 255, .82); display: inline-flex; align-items: center; gap: .45rem; font-weight: 500; }
.topbar a:hover { color: #fff; }
.topbar a svg { width: 14px; height: 14px; color: var(--blue-500); flex: none; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(255, 255, 255, .88);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line-soft);
  transition: box-shadow var(--t-base) var(--ease), background-color var(--t-base) var(--ease);
}
.site-header.is-stuck {
  box-shadow: 0 1px 0 var(--line), 0 12px 30px -22px rgba(16, 41, 76, .5);
  background: rgba(255, 255, 255, .96);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  min-height: var(--header-h);
}

.brand { display: inline-flex; align-items: center; flex: none; }
.brand img { height: 50px; width: auto; }
.brand:focus-visible { outline-offset: 6px; }

.nav { display: flex; align-items: center; gap: clamp(.5rem, 1.8vw, 1.5rem); }
.nav__link {
  position: relative;
  font-family: var(--font-display);
  font-size: .92rem;
  font-weight: 600;
  letter-spacing: -.008em;
  color: var(--navy-800);
  padding: .55rem .25rem;
  transition: color var(--t-base) var(--ease);
}
.nav__link::after {
  content: '';
  position: absolute;
  left: .25rem; right: .25rem; bottom: .2rem;
  height: 2px;
  border-radius: 2px;
  background: var(--blue-600);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform var(--t-base) var(--ease);
}
.nav__link:hover { color: var(--blue-600); }
.nav__link:hover::after { transform: scaleX(1); transform-origin: left; }
.nav__link[aria-current='page'] { color: var(--blue-600); }
.nav__link[aria-current='page']::after { transform: scaleX(1); }

/* Mobile toggle */
.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  align-items: center;
  justify-content: center;
  color: var(--navy-800);
  flex: none;
  transition: border-color var(--t-base) var(--ease), background-color var(--t-base) var(--ease);
}
.nav-toggle:hover { border-color: var(--navy-800); }
.nav-toggle__bars { position: relative; width: 18px; height: 12px; }
.nav-toggle__bars span {
  position: absolute; left: 0;
  width: 100%; height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform var(--t-base) var(--ease), opacity var(--t-fast) var(--ease);
}
.nav-toggle__bars span:nth-child(1) { top: 0; }
.nav-toggle__bars span:nth-child(2) { top: 5px; }
.nav-toggle__bars span:nth-child(3) { top: 10px; }
.nav-toggle[aria-expanded='true'] .nav-toggle__bars span:nth-child(1) { transform: translateY(5px) rotate(45deg); }
.nav-toggle[aria-expanded='true'] .nav-toggle__bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded='true'] .nav-toggle__bars span:nth-child(3) { transform: translateY(-5px) rotate(-45deg); }

/* Mobile menu — full-screen overlay */
.mobile-nav {
  position: fixed;
  inset: 0;
  z-index: 95;
  visibility: hidden;
  pointer-events: none;
  transition: visibility 0s .5s;
}
.mobile-nav.is-open { visibility: visible; pointer-events: auto; transition-delay: 0s; }

.mobile-nav__scrim {
  position: absolute; inset: 0;
  background: rgba(10, 27, 48, .55);
  opacity: 0;
  transition: opacity .4s var(--ease-soft);
}
.mobile-nav.is-open .mobile-nav__scrim { opacity: 1; }

.mobile-nav__panel {
  position: absolute;
  inset: 0;
  background: rgba(10, 27, 48, .95);
  -webkit-backdrop-filter: blur(16px);
  backdrop-filter: blur(16px);
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 1.1rem var(--gutter) max(1.75rem, env(safe-area-inset-bottom));
  overflow-y: auto;
  opacity: 0;
  transform: scale(.985);
  transition: opacity .38s var(--ease-soft), transform .5s var(--ease);
}
.mobile-nav.is-open .mobile-nav__panel { opacity: 1; transform: none; }

.mobile-nav__head {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex: none;
}
.mobile-nav__head img { height: 38px; width: auto; }
.mobile-nav__close {
  width: 42px; height: 42px;
  display: grid; place-items: center;
  border-radius: 50%;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .28);
  transition: border-color var(--t-base) var(--ease), background-color var(--t-base) var(--ease), transform var(--t-base) var(--ease);
}
.mobile-nav__close svg { width: 18px; height: 18px; }
.mobile-nav__close:hover { border-color: #fff; background: rgba(255,255,255,.08); transform: rotate(90deg); }

.mobile-nav__links {
  flex: 1;
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: .3rem;
  padding-block: 1.5rem;
}
.mobile-nav__links a {
  font-family: var(--font-display);
  font-size: clamp(1.3rem, 5vw, 1.6rem);
  font-weight: 800;
  letter-spacing: -.02em;
  color: #fff;
  padding: .6rem 1.25rem;
  border-radius: var(--r-pill);
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .45s var(--ease-soft), transform .55s var(--ease), color var(--t-base) var(--ease);
}
.mobile-nav__links a:hover { color: var(--blue-500); }
.mobile-nav__links a[aria-current='page'] { color: var(--blue-500); }
.mobile-nav__links a svg { display: none; }
.mobile-nav.is-open .mobile-nav__links a { opacity: 1; transform: none; }
.mobile-nav__links a:nth-child(1) { transition-delay: .06s, .06s, 0s; }
.mobile-nav__links a:nth-child(2) { transition-delay: .11s, .11s, 0s; }
.mobile-nav__links a:nth-child(3) { transition-delay: .16s, .16s, 0s; }
.mobile-nav__links a:nth-child(4) { transition-delay: .21s, .21s, 0s; }
.mobile-nav__links a:nth-child(5) { transition-delay: .26s, .26s, 0s; }
.mobile-nav:not(.is-open) .mobile-nav__links a { transition-delay: 0s; }

.mobile-nav__foot {
  flex: none;
  display: grid;
  gap: .7rem;
  justify-items: center;
  text-align: center;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, .12);
  width: min(320px, 100%);
  opacity: 0;
  transition: opacity .45s var(--ease-soft) .28s;
}
.mobile-nav.is-open .mobile-nav__foot { opacity: 1; }
.mobile-nav__contact {
  display: inline-flex; align-items: center; gap: .55rem;
  font-size: var(--fs-sm);
  color: rgba(255, 255, 255, .78);
}
.mobile-nav__contact:hover { color: #fff; }
.mobile-nav__contact svg { width: 16px; height: 16px; color: var(--blue-500); flex: none; }

/* ==========================================================================
   7. FOOTER
   ========================================================================== */
.site-footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, .58);
  font-size: var(--fs-sm);
  padding-top: clamp(3rem, 5.5vw, 4.75rem);
}
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.55fr 1fr 1.25fr;
  gap: clamp(2rem, 5vw, 4rem);
  padding-bottom: clamp(2.25rem, 4vw, 3rem);
}
.site-footer__brand img { height: 60px; width: auto; margin-bottom: 1.25rem; }
.site-footer__brand p { max-width: 34ch; line-height: 1.7; }

.footer-title {
  font-family: var(--font-display);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 1.05rem;
}
.site-footer ul { display: grid; gap: .65rem; }
.site-footer a { color: rgba(255, 255, 255, .68); }
.site-footer a:hover { color: #fff; }

.footer-contact li { display: flex; gap: .75rem; align-items: flex-start; line-height: 1.6; }
.footer-contact svg { width: 16px; height: 16px; margin-top: .2rem; color: var(--blue-500); flex: none; }

.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  margin-top: 1.35rem;
  padding: .55rem .9rem;
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: var(--r-pill);
  font-size: var(--fs-xs);
  color: rgba(255, 255, 255, .78);
  font-weight: 600;
}
.footer-badge svg { width: 15px; height: 15px; color: var(--blue-500); }

.site-footer__legal {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding-block: 1.6rem 2rem;
  font-size: var(--fs-xs);
  line-height: 1.75;
  color: rgba(255, 255, 255, .58);
}
.site-footer__legal p { max-width: 92ch; }
.site-footer__legal-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: .75rem 2rem;
  margin-top: 1.15rem;
}
.footer-credit { color: rgba(255, 255, 255, .58); transition: color var(--t-base) var(--ease); }
.footer-credit strong { font-weight: 600; color: rgba(255, 255, 255, .78); transition: color var(--t-base) var(--ease); }
.footer-credit:hover { color: rgba(255, 255, 255, .85); }
.footer-credit:hover strong { color: #fff; }

/* ==========================================================================
   8. HERO & PAGE HEADS
   ========================================================================== */

/* Homepage hero — full-width photographic background (overlay baked in) */
.hero {
  position: relative;
  color: rgba(255, 255, 255, .82);
  background-color: var(--navy-900);
  background-image: url('../img/hero-bg.jpg');
  background-image: image-set(url('../img/hero-bg.webp') type('image/webp'),
                              url('../img/hero-bg.jpg') type('image/jpeg'));
  background-size: cover;
  background-position: 78% center;
  padding-block: clamp(3rem, 6.5vw, 6.25rem);
}
@media (min-width: 961px) {
  .hero { min-height: 560px; display: flex; align-items: center; }
  .hero .wrap { width: 100%; }
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: clamp(2.25rem, 5vw, 4.5rem);
  align-items: center;
}
.hero .eyebrow { color: var(--amber-500); }
.hero h1 {
  font-size: var(--fs-display);
  color: #fff;
  margin-bottom: .5em;
}
.hero .lead { color: rgba(255, 255, 255, .82); max-width: 46ch; margin-bottom: 1.5rem; }

.hero__points { display: grid; gap: .75rem; }
.hero__points li {
  display: flex; gap: .7rem; align-items: flex-start;
  font-size: var(--fs-sm); line-height: 1.55;
  color: rgba(255, 255, 255, .85);
}
.hero__points svg { width: 18px; height: 18px; color: var(--blue-500); flex: none; margin-top: .15rem; }
.hero__points strong { color: #fff; font-weight: 600; }

/* Compact enquiry form card in the hero */
.hero-form {
  background: #fff;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: clamp(1.4rem, 2.4vw, 1.9rem);
  color: var(--ink-70);
  max-width: 460px;
  justify-self: end;
  width: 100%;
}
.hero-form__title {
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--navy-800);
  margin: 0 0 .25rem;
}
.hero-form > p { font-size: var(--fs-xs); color: var(--muted); margin-bottom: 1.1rem; }
.hero-form .field { margin-bottom: .8rem; }
.hero-form .btn { width: 100%; margin-top: .35rem; }
.hero-form__secure {
  display: flex; align-items: center; justify-content: center; gap: .45rem;
  font-size: .74rem; color: var(--muted);
  margin-top: .8rem;
}
.hero-form__secure svg { width: 13px; height: 13px; color: var(--green-600); }

/* Key information bar directly under the hero */
.keybar {
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.keybar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem 2rem;
  padding-block: 1.15rem;
}
.keybar__item {
  display: flex; align-items: center; gap: .7rem;
  font-size: var(--fs-xs);
  line-height: 1.45;
  color: var(--muted);
  justify-content: center;
}
.keybar__item svg { width: 19px; height: 19px; color: var(--blue-600); flex: none; }
.keybar__item strong {
  display: block;
  font-family: var(--font-display);
  font-size: .9rem;
  font-weight: 700;
  letter-spacing: -.012em;
  color: var(--navy-800);
}

/* Inner-page hero */
.page-hero {
  position: relative;
  padding-block: clamp(2.5rem, 4.5vw, 3.75rem);
  background:
    radial-gradient(52rem 32rem at 82% -20%, rgba(44, 102, 188, .12), transparent 62%),
    var(--bg-tint);
  border-bottom: 1px solid var(--line-soft);
}
.page-hero h1 { max-width: 24ch; }
.page-hero .lead { max-width: 56ch; }

.crumbs {
  display: flex; flex-wrap: wrap; align-items: center; gap: .5rem;
  font-size: var(--fs-xs);
  color: var(--muted);
  margin-bottom: 1.25rem;
}
.crumbs a { color: var(--muted); font-weight: 500; }
.crumbs a:hover { color: var(--blue-600); }
.crumbs svg { width: 12px; height: 12px; opacity: .5; }
.crumbs [aria-current] { color: var(--navy-800); font-weight: 600; }

/* ==========================================================================
   9. SECTIONS & COMPONENTS
   ========================================================================== */

/* --- Card base --- */
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.35rem, 2.2vw, 1.8rem);
  transition: border-color var(--t-base) var(--ease),
              transform var(--t-base) var(--ease),
              box-shadow var(--t-base) var(--ease);
}
.card--hover:hover {
  border-color: var(--blue-100);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.card h3 { margin-bottom: .45rem; }
.card p { color: var(--muted); font-size: var(--fs-sm); line-height: 1.66; }

/* Equal glass boxes for use on .section--photo */
.card--glass {
  background: rgba(255, 255, 255, .06);
  border-color: rgba(255, 255, 255, .16);
  -webkit-backdrop-filter: blur(6px);
  backdrop-filter: blur(6px);
}
.card--glass h3 { color: #fff; }
.card--glass p { color: rgba(255, 255, 255, .74); }
.card--glass .icon-badge { background: rgba(255, 255, 255, .1); color: var(--blue-500); }

.icon-badge {
  width: 46px; height: 46px;
  display: grid; place-items: center;
  border-radius: 12px;
  background: var(--blue-50);
  color: var(--blue-600);
  margin-bottom: 1.15rem;
  transition: background-color var(--t-base) var(--ease), color var(--t-base) var(--ease);
}
.icon-badge svg { width: 22px; height: 22px; }
.card--hover:hover .icon-badge { background: var(--orange-500); color: var(--ink); }
.card--glass:hover .icon-badge { background: rgba(255,255,255,.1); color: var(--blue-500); }

/* --- Steps --- */
.steps { counter-reset: step; }
.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.4rem, 2.2vw, 1.8rem);
  transition: border-color var(--t-base) var(--ease), transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease);
}
.step:hover { border-color: var(--blue-100); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.step__num {
  counter-increment: step;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy-800);
  color: #fff;
  font-family: var(--font-display);
  font-size: .88rem;
  font-weight: 800;
  margin-bottom: 1.1rem;
  transition: background-color var(--t-base) var(--ease);
}
.step__num::before { content: '0' counter(step); }
.step:hover .step__num { background: var(--orange-500); color: var(--ink); }
.step h3 { font-size: 1.04rem; margin-bottom: .45rem; }
.step p { color: var(--muted); font-size: var(--fs-sm); line-height: 1.66; }

.steps--connected { position: relative; }
@media (min-width: 861px) {
  .steps--connected::before {
    content: '';
    position: absolute;
    top: calc(clamp(1.4rem, 2.2vw, 1.8rem) + 20px);
    left: 10%; right: 10%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--line) 12%, var(--line) 88%, transparent);
    z-index: 0;
  }
  .steps--connected .step { z-index: 1; }
}

/* --- Option cards (How It Works — mirrors the reference layout) --- */
.options {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(1.25rem, 2.5vw, 2rem);
  max-width: 900px;
  margin-inline: auto;
}
.option {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 2.8vw, 2.25rem);
  text-align: center;
  display: flex;
  flex-direction: column;
  transition: border-color var(--t-base) var(--ease), transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease);
}
.option:hover { border-color: var(--blue-100); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.option__icon {
  width: 76px; height: 76px;
  margin: 0 auto 1.35rem;
  border-radius: 50%;
  display: grid; place-items: center;
  background: var(--navy-800);
  color: #fff;
  transition: background-color var(--t-base) var(--ease);
}
.option__icon svg { width: 34px; height: 34px; }
.option:hover .option__icon { background: var(--orange-500); color: var(--ink); }
.option__kicker {
  font-family: var(--font-display);
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: .35rem;
}
.option h3 { font-size: 1.14rem; margin-bottom: .35rem; }
.option > p { font-size: var(--fs-sm); color: var(--muted); margin-bottom: 1.25rem; }
.option__list {
  text-align: left;
  display: grid;
  gap: .6rem;
  margin-bottom: 1.6rem;
}
.option__list li {
  display: flex; gap: .65rem; align-items: flex-start;
  font-size: var(--fs-sm); line-height: 1.55;
  color: var(--ink-70);
}
.option__list svg { width: 17px; height: 17px; color: var(--green-600); flex: none; margin-top: .18rem; }
.option .btn { width: 100%; margin-top: auto; }
.option__meta {
  font-size: var(--fs-xs);
  color: var(--muted);
  margin-top: 1rem;
  margin-bottom: 0;
}

/* Simple line illustration next to / above sections */
.illustration { max-width: 440px; margin-inline: auto; }
.illustration svg { width: 100%; height: auto; }
.illustration--sm { max-width: 360px; }

/* --- Feature band: white content panel + full-bleed visual (reference layout) --- */
.feature-band {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.feature-band__body {
  padding: clamp(2rem, 4vw, 3.25rem);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
}
.feature-band__body .lead { margin-bottom: .9rem; }
.feature-band__strong {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy-800);
  font-size: .98rem;
  letter-spacing: -.012em;
  margin-bottom: .9rem;
}
.feature-band__body > p:not(.lead):not(.feature-band__strong):not(.feature-band__reg) {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.72;
}
.feature-band__ncr {
  height: 118px;
  width: auto;
  margin: 1.6rem 0 .9rem;
  align-self: center;
}
.feature-band__reg {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  letter-spacing: -.01em;
  color: var(--navy-800);
  margin-bottom: 1.5rem;
  align-self: center;
  text-align: center;
}
.feature-band__body .btn { width: 100%; }
.feature-band__media {
  position: relative;
  background:
    radial-gradient(30rem 24rem at 78% 18%, rgba(44, 102, 188, .14), transparent 62%),
    linear-gradient(160deg, var(--blue-50), #E3EDF8 62%, var(--blue-100));
  display: grid;
  place-items: center;
  padding: clamp(1.75rem, 3.5vw, 3rem);
  min-height: 360px;
}
.feature-band__media svg { width: min(100%, 420px); height: auto; }

/* --- Stat cards (navy rates band) --- */
.stat {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.35rem, 2.2vw, 1.8rem);
  text-align: left;
}
.stat__value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 1.15rem + 1.3vw, 2rem);
  font-weight: 800;
  letter-spacing: -.03em;
  line-height: 1.05;
  color: var(--navy-800);
  margin-bottom: .5rem;
  font-variant-numeric: tabular-nums;
}
.stat__value--range { white-space: nowrap; }
.stat__label {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .9rem;
  color: var(--navy-800);
  display: block;
  margin-bottom: .25rem;
  letter-spacing: -.01em;
}
.stat p { font-size: var(--fs-xs); color: var(--muted); line-height: 1.6; }
.section--navy .stat {
  background: rgba(255, 255, 255, .05);
  border-color: rgba(255, 255, 255, .12);
}
.section--navy .stat__value { color: var(--amber-500); }
.section--navy .stat__label { color: #fff; }
.section--navy .stat p { color: rgba(255, 255, 255, .6); }

/* --- Media block --- */
.media-frame {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--bg-alt);
}
.media-frame img { width: 100%; height: 100%; object-fit: cover; }
.media-frame--wide { aspect-ratio: 16 / 11; }

.checklist { display: grid; gap: .85rem; margin-top: 1.5rem; }
.checklist li { display: flex; gap: .8rem; align-items: flex-start; line-height: 1.6; }
.checklist svg { width: 19px; height: 19px; color: var(--green-600); flex: none; margin-top: .18rem; }
.checklist strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy-800);
  font-size: .95rem;
  letter-spacing: -.012em;
}
.checklist span { font-size: var(--fs-sm); color: var(--muted); }
.section--navy .checklist strong, .section--photo .checklist strong { color: #fff; }
.section--navy .checklist span, .section--photo .checklist span { color: rgba(255,255,255,.62); }
.section--navy .checklist svg, .section--photo .checklist svg { color: var(--blue-500); }

/* --- Rates table --- */
.table-card {
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  background: #fff;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.table-card__head {
  padding: clamp(1.15rem, 2vw, 1.6rem) clamp(1.25rem, 2.2vw, 1.8rem);
  border-bottom: 1px solid var(--line);
  background: var(--bg-tint);
}
.table-card__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.04rem;
  letter-spacing: -.02em;
  color: var(--navy-800);
  margin: 0 0 .15rem;
}
.table-card__head p { font-size: var(--fs-xs); color: var(--muted); margin: 0; }

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.rate-table { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); min-width: 640px; }
/* Caption is for assistive tech only — the same note is printed below the table */
.rate-table caption {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap;
}
.rate-table th, .rate-table td { padding: .9rem clamp(.8rem, 1.4vw, 1.3rem); text-align: right; }
.rate-table th:first-child, .rate-table td:first-child { text-align: left; }
.rate-table thead th {
  font-family: var(--font-display);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--muted);
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
  background: #fff;
}
.rate-table tbody tr { border-bottom: 1px solid var(--line-soft); transition: background-color var(--t-fast) var(--ease); }
.rate-table tbody tr:last-child { border-bottom: 0; }
.rate-table tbody tr:hover { background: var(--blue-50); }
.rate-table td { color: var(--ink-70); font-variant-numeric: tabular-nums; }
.rate-table td:first-child {
  font-family: var(--font-display);
  font-weight: 800;
  color: var(--navy-800);
  letter-spacing: -.015em;
  font-size: .95rem;
}
.rate-table td:last-child {
  font-family: var(--font-display);
  font-weight: 800;
  color: var(--blue-600);
  letter-spacing: -.015em;
  font-size: .95rem;
}

/* --- Banks --- */
.banks {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: clamp(1rem, 3.5vw, 3rem);
}
.banks li {
  font-family: var(--font-display);
  font-size: clamp(.92rem, .85rem + .3vw, 1.06rem);
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--muted);
  transition: color var(--t-base) var(--ease);
}
.banks li:hover { color: var(--navy-800); }

/* --- FAQ --- */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__item summary {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.3rem 0;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-display);
  font-size: .99rem;
  font-weight: 700;
  letter-spacing: -.015em;
  line-height: 1.4;
  color: var(--navy-800);
  transition: color var(--t-base) var(--ease);
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary:hover { color: var(--blue-600); }
.faq__icon {
  position: relative;
  width: 22px; height: 22px;
  flex: none;
  margin-top: .1rem;
  border-radius: 50%;
  border: 1.5px solid #D5DAE1;
  transition: border-color var(--t-base) var(--ease), background-color var(--t-base) var(--ease), transform var(--t-base) var(--ease);
}
.faq__item summary:hover .faq__icon { border-color: var(--blue-600); }
.faq__icon::before, .faq__icon::after {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  background: var(--navy-800);
  transform: translate(-50%, -50%);
  transition: opacity var(--t-base) var(--ease), background-color var(--t-base) var(--ease);
}
.faq__icon::before { width: 9px; height: 1.5px; }
.faq__icon::after { width: 1.5px; height: 9px; }
.faq__item[open] .faq__icon { background: var(--blue-600); border-color: var(--blue-600); transform: rotate(90deg); }
.faq__item[open] .faq__icon::before { background: #fff; }
.faq__item[open] .faq__icon::after { opacity: 0; }
.faq__body { overflow: hidden; }
.faq__body p {
  font-size: var(--fs-sm);
  line-height: 1.75;
  color: var(--muted);
  max-width: 68ch;
  padding-bottom: 1.5rem;
  margin: 0;
}
.faq__body p + p { padding-top: .9rem; padding-bottom: 1.5rem; margin-top: -.7rem; }

/* --- Notice / callout --- */
.notice {
  display: flex;
  gap: 1rem;
  padding: 1.15rem 1.3rem;
  border-radius: var(--r-md);
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  font-size: var(--fs-sm);
  line-height: 1.68;
  color: var(--ink-70);
}
.notice svg { width: 20px; height: 20px; color: var(--blue-600); flex: none; margin-top: .2rem; }
.notice strong { color: var(--navy-800); font-family: var(--font-display); font-weight: 700; }
.notice--warn { background: var(--amber-50); border-color: #F3DFA8; }
.notice--warn svg { color: var(--amber-600); }

/* --- Definition list (policies / important terms) --- */
.policy { display: grid; gap: 1.1rem; }
.policy__item {
  padding: clamp(1.2rem, 2vw, 1.6rem);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  background: #fff;
}
.policy__item h3 { font-size: 1rem; margin-bottom: .4rem; }
.policy__item p { font-size: var(--fs-sm); color: var(--muted); line-height: 1.72; }

/* ==========================================================================
   10. FORMS
   ========================================================================== */
.field { display: block; margin-bottom: 1rem; }
.field__label {
  display: block;
  font-family: var(--font-display);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: -.006em;
  color: var(--navy-800);
  margin-bottom: .4rem;
}
.field__label .req { color: var(--blue-600); }
.field__hint { display: block; font-size: var(--fs-xs); color: var(--muted); margin-top: .4rem; line-height: 1.5; }

.input, .select, .textarea {
  width: 100%;
  padding: .8rem .95rem;
  font-size: .94rem;
  font-family: var(--font-body);
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease);
  appearance: none;
  min-width: 0;
}
.input::placeholder, .textarea::placeholder { color: #6E7684; }
.input:hover, .select:hover, .textarea:hover { border-color: #CBD1D9; }
.input:focus, .select:focus, .textarea:focus {
  outline: none;
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(44, 102, 188, .15);
}
.textarea { min-height: 124px; resize: vertical; line-height: 1.6; }

.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%235F6A80' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 8l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right .85rem center;
  background-size: 18px;
  padding-right: 2.5rem;
  cursor: pointer;
}

.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 1rem; }

.input.is-invalid, .select.is-invalid, .textarea.is-invalid {
  border-color: #D93B48;
  box-shadow: 0 0 0 3px rgba(217, 59, 72, .11);
}
.field__error {
  display: none;
  font-size: var(--fs-xs);
  color: #C42A37;
  margin-top: .4rem;
  font-weight: 500;
}
.field.has-error .field__error { display: block; }

/* Checkbox */
.check { display: flex; gap: .8rem; align-items: flex-start; cursor: pointer; margin-bottom: .9rem; }
.check input {
  appearance: none;
  width: 22px; height: 22px;
  flex: none;
  margin-top: .1rem;
  border: 2px solid #666E7A;   /* high-contrast so the box is clearly visible */
  border-radius: 5px;
  background: #fff;
  cursor: pointer;
  transition: background-color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);
  position: relative;
}
.check input:hover { border-color: var(--navy-800); }
.check input:checked { background: var(--blue-600); border-color: var(--blue-600); }
.check input:checked::after {
  content: '';
  position: absolute;
  left: 7px; top: 2.5px;
  width: 5px; height: 11px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.check input:focus-visible { outline: 2px solid var(--blue-600); outline-offset: 2px; }
.check span { font-size: var(--fs-xs); line-height: 1.6; color: var(--muted); }
.check span a { font-weight: 600; }
.check.has-error input { border-color: #D93B48; }

/* Amount chooser */
.amount-picker { margin-bottom: 1.25rem; }
.amount-display {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: .85rem;
}
.amount-display__value {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 1.3rem + 1.4vw, 2.15rem);
  font-weight: 800;
  letter-spacing: -.03em;
  color: var(--navy-800);
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.amount-display__meta { text-align: right; font-size: var(--fs-xs); color: var(--muted); line-height: 1.5; }

input[type='range'].range {
  width: 100%;
  height: 6px;
  appearance: none;
  background: var(--line);
  border-radius: var(--r-pill);
  outline: none;
  cursor: pointer;
  background-image: linear-gradient(var(--blue-600), var(--blue-600));
  background-repeat: no-repeat;
  background-size: var(--range-fill, 0%) 100%;
}
input[type='range'].range::-webkit-slider-thumb {
  appearance: none;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--blue-600);
  box-shadow: 0 3px 10px -3px rgba(44, 102, 188, .7);
  cursor: grab;
  transition: transform var(--t-fast) var(--ease);
}
input[type='range'].range::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type='range'].range::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--blue-600);
  box-shadow: 0 3px 10px -3px rgba(44, 102, 188, .7);
  cursor: grab;
}
input[type='range'].range:focus-visible { outline: 2px solid var(--blue-600); outline-offset: 4px; }
.range-scale {
  display: flex; justify-content: space-between;
  font-size: var(--fs-xs); color: var(--muted);
  margin-top: .55rem;
  font-variant-numeric: tabular-nums;
}

.amount-display__value--sm { font-size: clamp(1.25rem, 1.05rem + .8vw, 1.6rem); }

/* Live loan calculator breakdown */
.calc-box {
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  background: #fff;
  overflow: hidden;
  margin: .5rem 0 0;
}
.calc-box > div {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding: .62rem 1rem;
  border-bottom: 1px solid var(--line-soft);
  font-size: var(--fs-sm);
}
.calc-box > div:last-child { border-bottom: 0; }
.calc-box dt { color: var(--muted); }
.calc-box dd {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy-800);
  font-variant-numeric: tabular-nums;
  text-align: right;
}
.calc-box__total { background: var(--blue-50); }
.calc-box__total dt { color: var(--navy-800); font-weight: 600; }
.calc-box__total dd { color: var(--blue-600); font-weight: 800; font-size: 1.05rem; }

/* Document-type choice (radio pills) — selection must be unmistakable */
.choice-row { display: flex; flex-wrap: wrap; gap: .7rem; margin-bottom: 1.1rem; }
.choice { position: relative; cursor: pointer; }
.choice input {
  position: absolute;
  opacity: 0;
  width: 100%; height: 100%;
  left: 0; top: 0;
  margin: 0;
  cursor: pointer;
}
.choice span {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  font-family: var(--font-display);
  font-size: .92rem;
  font-weight: 700;
  color: var(--navy-800);
  background: #fff;
  border: 2px solid #666E7A;
  border-radius: var(--r-pill);
  padding: .72rem 1.25rem;
  transition: background-color var(--t-base) var(--ease), border-color var(--t-base) var(--ease), color var(--t-base) var(--ease);
}
.choice span::before {
  content: '';
  width: 20px; height: 20px;
  flex: none;
  border-radius: 50%;
  border: 2px solid #666E7A;
  background: #fff;
  transition: border-color var(--t-base) var(--ease), background var(--t-base) var(--ease);
}
.choice:hover span { border-color: var(--navy-800); }
.choice input:checked + span {
  background: var(--blue-600);
  border-color: var(--blue-600);
  color: #fff;
}
.choice input:checked + span::before {
  border-color: #fff;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232C66BC' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat;
}
.choice input:focus-visible + span { outline: 2px solid var(--blue-600); outline-offset: 3px; }

/* File upload fields */
.file-input {
  width: 100%;
  font-size: .84rem;
  color: var(--muted);
  border: 1.5px dashed #CBD1D9;
  border-radius: var(--r-sm);
  background: var(--bg-tint);
  padding: .55rem;
  cursor: pointer;
  transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease);
}
.file-input:hover { border-color: var(--blue-600); background: var(--blue-50); }
.file-input:focus-visible { outline: 2px solid var(--blue-600); outline-offset: 2px; }
.file-input::file-selector-button {
  font-family: var(--font-display);
  font-size: .8rem;
  font-weight: 700;
  color: #fff;
  background: var(--navy-800);
  border: 0;
  border-radius: var(--r-pill);
  padding: .5rem 1rem;
  margin-right: .8rem;
  cursor: pointer;
  transition: background-color var(--t-base) var(--ease);
}
.file-input::file-selector-button:hover { background: var(--blue-600); }
.file-input.is-invalid { border-color: #D93B48; background: #FDF0F1; }

/* Live totals under income / expense groups */
.sum-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  border-radius: var(--r-sm);
  padding: .7rem 1rem;
  margin-top: .35rem;
}
.sum-row span {
  font-family: var(--font-display);
  font-size: .8rem;
  font-weight: 700;
  color: var(--navy-800);
}
.sum-row output {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.02rem;
  letter-spacing: -.02em;
  color: var(--blue-600);
  font-variant-numeric: tabular-nums;
}

/* Card that contains a page form */
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 3vw, 2.4rem);
  box-shadow: var(--shadow-sm);
}

/* Long application form — grouped sections inside one card */
.form-shell { max-width: 780px; margin-inline: auto; }
.form-section { padding-block: 1.6rem; border-top: 1px solid var(--line-soft); }
.form-section:first-of-type { border-top: 0; padding-top: 0; }
.form-section__head {
  display: flex;
  align-items: center;
  gap: .8rem;
  margin-bottom: 1.2rem;
}
.form-section__num {
  width: 30px; height: 30px;
  flex: none;
  display: grid; place-items: center;
  border-radius: 50%;
  background: var(--navy-800);
  color: #fff;
  font-family: var(--font-display);
  font-size: .78rem;
  font-weight: 800;
}
.form-section__head h2 {
  font-size: 1.05rem;
  margin: 0;
  letter-spacing: -.018em;
}
.form-section__head p { font-size: var(--fs-xs); color: var(--muted); margin: .1rem 0 0; }

.fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.fieldset legend { padding: 0; }

.form-actions { padding-top: 1.5rem; border-top: 1px solid var(--line-soft); }
.form-actions .btn { width: 100%; }
.form-actions__note {
  font-size: var(--fs-xs);
  color: var(--muted);
  text-align: center;
  margin-top: .9rem;
  line-height: 1.6;
}

/* Success state */
.form-success { text-align: center; padding: 1.25rem 0 .5rem; }
.form-success__icon {
  width: 62px; height: 62px;
  margin: 0 auto 1.25rem;
  border-radius: 50%;
  display: grid; place-items: center;
  background: var(--green-50);
  color: var(--green-600);
  animation: pop .5s var(--ease) both;
}
.form-success__icon svg { width: 28px; height: 28px; }
@keyframes pop { from { transform: scale(.6); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.form-success h3 { margin-bottom: .45rem; }
.form-success p { font-size: var(--fs-sm); color: var(--muted); max-width: 44ch; margin-inline: auto; }
.form-success .notice { text-align: left; margin-top: 1.4rem; }
.form-success .btn-row { justify-content: center; margin-top: 1.4rem; }

.form-alert {
  display: none;
  gap: .75rem;
  align-items: flex-start;
  padding: .9rem 1.05rem;
  border-radius: var(--r-sm);
  background: #FDF0F1;
  border: 1px solid #F5CDD1;
  color: #A3202C;
  font-size: var(--fs-xs);
  line-height: 1.6;
  margin-bottom: 1.15rem;
}
.form-alert.is-visible { display: flex; }
.form-alert svg { width: 17px; height: 17px; flex: none; margin-top: .12rem; }
.form-alert a { color: inherit; font-weight: 700; text-decoration: underline; }

.spinner {
  width: 16px; height: 16px;
  border: 2px solid rgba(255, 255, 255, .35);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .7s linear infinite;
  display: none;
}
.btn.is-loading .spinner { display: block; }
.btn.is-loading .btn__label { opacity: .75; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ==========================================================================
   11. FLOATING WHATSAPP BUTTON
   ========================================================================== */
.wa-fab {
  position: fixed;
  right: 18px;
  bottom: calc(18px + env(safe-area-inset-bottom, 0px));
  z-index: 85;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--wa-green);
  color: #fff;
  display: grid;
  place-items: center;
  box-shadow: 0 6px 16px -4px rgba(11, 46, 10, .45), 0 2px 5px rgba(11, 46, 10, .25);
  transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease), background-color var(--t-base) var(--ease);
}
.wa-fab svg { width: 28px; height: 28px; }
.wa-fab:hover {
  color: #fff;
  background: #0B6836;
  transform: translateY(-3px) scale(1.05);
  box-shadow: 0 12px 24px -6px rgba(11, 46, 10, .5), 0 3px 8px rgba(11, 46, 10, .3);
}
.wa-fab:focus-visible { outline-offset: 4px; }

/* ==========================================================================
   12. MOTION
   ========================================================================== */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
  transition-delay: var(--d, 0ms);
  will-change: opacity, transform;
}
.reveal.is-visible { opacity: 1; transform: none; }

.reveal--fade { transform: none; }
.reveal--right { transform: translateX(24px); }
.reveal--left { transform: translateX(-24px); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1 !important; transform: none !important; }
}

/* ==========================================================================
   13. RESPONSIVE
   ========================================================================== */
@media (max-width: 960px) {
  :root { --header-h: 74px; }
  .nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .brand img { height: 44px; }

  .hero__grid { grid-template-columns: 1fr; gap: 2.25rem; }
  .hero { background-position: 70% center; }
  .hero-form { justify-self: stretch; max-width: 560px; margin-inline: auto; }
  .hero .lead { max-width: 54ch; }

  .split, .split--wide-left, .split--wide-right { grid-template-columns: 1fr; gap: 2.25rem; }
  .split--flip .split__media { order: -1; }

  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .keybar__grid { grid-template-columns: repeat(2, 1fr); gap: .9rem 1rem; }
  .keybar__item { justify-content: flex-start; }

  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 2.25rem; }
  .site-footer__brand { grid-column: 1 / -1; }

  .feature-band { grid-template-columns: 1fr; }
  .feature-band__media { min-height: 280px; order: -1; }
}

@media (max-width: 860px) {
  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps.grid--4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 700px) {
  /* Topbar collapses to a single tap-to-call */
  .topbar__meta, .topbar__links .topbar__link--email { display: none; }
  .topbar__inner { justify-content: center; }
  .brand img { height: 40px; }
  .site-header__inner { gap: .75rem; }
  .options { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  :root { --section-y: 3rem; }
  .grid--2, .grid--3, .grid--4, .steps.grid--4 { grid-template-columns: 1fr; }
  .keybar__grid { grid-template-columns: 1fr; gap: .8rem; }
  .site-footer__grid { grid-template-columns: 1fr; }
  .btn-row .btn { width: 100%; }
  .field-row { grid-template-columns: 1fr; }
  .hero { background-position: 62% center; }
  .amount-display { flex-direction: column; align-items: flex-start; gap: .3rem; }
  .amount-display__meta { text-align: left; }

  /* Keep the floating WhatsApp button clear of the footer text */
  .site-footer__legal { padding-bottom: 5.5rem; }
  .wa-fab { right: 14px; bottom: calc(14px + env(safe-area-inset-bottom, 0px)); width: 52px; height: 52px; }
  .wa-fab svg { width: 26px; height: 26px; }

  /* Rate table → stacked cards */
  .rate-table { min-width: 0; }
  .rate-table thead { display: none; }
  .rate-table, .rate-table tbody, .rate-table tr, .rate-table td { display: block; width: 100%; }
  .rate-table tr {
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: .35rem .25rem;
    margin-bottom: .85rem;
  }
  .rate-table tbody tr:last-child { margin-bottom: 0; }
  .rate-table td {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 1rem;
    text-align: right;
    padding: .55rem .95rem;
    border-bottom: 1px solid var(--line-soft);
  }
  .rate-table td:last-child { border-bottom: 0; }
  .rate-table td::before {
    content: attr(data-label);
    font-family: var(--font-display);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--muted);
    text-align: left;
  }
  .rate-table td:first-child { background: var(--bg-tint); border-radius: var(--r-sm); }
}

@media print {
  .site-header, .topbar, .mobile-nav, .wa-fab, .btn { display: none !important; }
  body { color: #000; }
  .reveal { opacity: 1 !important; transform: none !important; }
}