/* =====================================================================
   LENDWELL — Premium Mortgage Broker Multi-Page Template
   Plain HTML5 + CSS3. No frameworks. Offline-ready (no external images).
   ---------------------------------------------------------------------
   REBRAND TIP: Change the look by editing the CSS variables in :root
   below. Swap --accent for your primary color, adjust --ink / --surface
   to match, and update --font-head / --font-body plus the Google Fonts
   <link> in each HTML file. Everything else cascades.
   ===================================================================== */

:root {
  /* --- Brand palette (edit these to rebrand) --- */
  --bg:        #ffffff;   /* page background                          */
  --ink:       #0f2e2a;   /* deep green-black (headings)              */
  --accent:    #16a34a;   /* primary green (CTAs, links)              */
  --accent-dk: #11803b;   /* darker green for hovers / gradients      */
  --accent-dp: #0b3b29;   /* deepest green for dark sections          */
  --accent2:   #0ea5e9;   /* sky-blue secondary accent                */
  --muted:     #5b6b66;   /* muted body text                          */
  --surface:   #f1faf5;   /* soft mint alt background                 */
  --line:      #dcefe5;   /* borders / dividers                       */

  /* --- Fonts --- */
  --font-head: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;

  /* --- Shape & motion --- */
  --radius:    18px;
  --radius-sm: 12px;
  --shadow:    0 10px 30px rgba(15, 46, 42, .07);
  --shadow-lg: 0 24px 60px rgba(15, 46, 42, .13);
  --ease:      .35s cubic-bezier(.4, 0, .2, 1);

  /* --- Layout --- */
  --maxw: 1180px;
  --gutter: 24px;
}

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--muted);
  background: var(--bg);
  line-height: 1.7;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.15;
  margin: 0 0 .5em;
  font-weight: 700;
  letter-spacing: -.02em;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.3rem; }

p { margin: 0 0 1rem; }

a { color: var(--accent); text-decoration: none; transition: color var(--ease); }
a:hover { color: var(--accent-dk); }

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

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

/* ---------------------------------------------------------------------
   LAYOUT HELPERS
   --------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.section { padding: 92px 0; }
.section--soft { background: var(--surface); }
.section--tight { padding: 64px 0; }

.section-head {
  max-width: 720px;
  margin: 0 auto 56px;
  text-align: center;
}
.section-head--left { margin-left: 0; text-align: left; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
  background: rgba(22, 163, 74, .09);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.lead { font-size: 1.12rem; color: var(--muted); }
.muted { color: var(--muted); }

/* ---------------------------------------------------------------------
   BUTTONS
   --------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .98rem;
  padding: 14px 26px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform var(--ease), box-shadow var(--ease), background var(--ease), color var(--ease);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary {
  background: var(--accent);
  color: #fff;
  box-shadow: 0 8px 22px rgba(22, 163, 74, .30);
}
.btn-primary:hover { background: var(--accent-dk); color: #fff; box-shadow: 0 12px 30px rgba(22, 163, 74, .40); }

.btn-ghost {
  background: transparent;
  color: var(--accent);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--accent); color: var(--accent); }

.btn-light {
  background: rgba(255,255,255,.14);
  color: #fff;
  border-color: rgba(255,255,255,.40);
}
.btn-light:hover { background: #fff; color: var(--accent-dp); }

.btn-sm { padding: 10px 18px; font-size: .9rem; }

/* ---------------------------------------------------------------------
   HEADER / NAV  (shared, identical IDs on every page)
   --------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.24rem;
  color: var(--ink);
  letter-spacing: -.02em;
}
.brand:hover { color: var(--ink); }
.brand .logo-mark {
  width: 38px; height: 38px;
  border-radius: 11px;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  display: grid; place-items: center;
  box-shadow: 0 6px 16px rgba(22, 163, 74, .32);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-links a {
  font-family: var(--font-head);
  font-weight: 500;
  font-size: .96rem;
  color: var(--muted);
  padding: 8px 14px;
  border-radius: 10px;
  transition: background var(--ease), color var(--ease);
}
.nav-links a:hover { background: var(--surface); color: var(--accent); }
.nav-links a.active { color: var(--accent); font-weight: 600; }

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

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  background: var(--surface);
  border: none;
  border-radius: 10px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 20px; height: 2px;
  margin: 0 auto;
  background: var(--ink);
  border-radius: 2px;
  transition: transform var(--ease), opacity var(--ease);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------------------------------------------------------------------
   HERO (home)
   --------------------------------------------------------------------- */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(14,165,233,.16), transparent 60%),
    radial-gradient(700px 500px at 0% 110%, rgba(22,163,74,.12), transparent 55%),
    linear-gradient(180deg, #fff 0%, var(--surface) 100%);
  padding: 90px 0 96px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
}
.hero h1 { margin-bottom: 18px; }
.hero h1 span { color: var(--accent); }
.hero .lead { max-width: 540px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 34px; }
.hero-meta {
  display: flex;
  gap: 34px;
  flex-wrap: wrap;
}
.hero-meta div strong {
  font-family: var(--font-head);
  font-size: 1.8rem;
  color: var(--ink);
  display: block;
  line-height: 1;
}
.hero-meta div span { font-size: .9rem; color: var(--muted); }

/* Hero visual — pure CSS/SVG rate card mock */
.hero-visual {
  position: relative;
  background: linear-gradient(160deg, var(--accent-dp), var(--accent-dk));
  border-radius: 24px;
  padding: 28px;
  box-shadow: var(--shadow-lg);
  color: #fff;
}
.hero-visual .hv-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.hero-visual .hv-dot { display: flex; gap: 6px; }
.hero-visual .hv-dot i { width: 11px; height: 11px; border-radius: 50%; background: rgba(255,255,255,.35); }
.hero-visual .hv-tag { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.7); }
.hv-card {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 14px;
  padding: 20px;
  margin-bottom: 14px;
}
.hv-card .hv-label { font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.7); margin-bottom: 6px; }
.hv-card .hv-rate { font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1; color: #fff; }
.hv-card .hv-rate small { font-size: 1.1rem; font-weight: 600; opacity: .85; }
.hv-card .hv-sub { font-size: .85rem; color: rgba(255,255,255,.75); margin-top: 8px; }
.hv-bars { display: flex; align-items: flex-end; gap: 10px; height: 78px; margin-top: 14px; }
.hv-bars i {
  flex: 1;
  background: linear-gradient(180deg, var(--accent2), rgba(14,165,233,.35));
  border-radius: 6px 6px 0 0;
}
.hv-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hv-stat { background: rgba(255,255,255,.08); border-radius: 12px; padding: 14px; }
.hv-stat strong { font-family: var(--font-head); font-size: 1.4rem; display: block; }
.hv-stat span { font-size: .78rem; color: rgba(255,255,255,.7); }

/* ---------------------------------------------------------------------
   TRUST STRIP
   --------------------------------------------------------------------- */
.trust-strip { padding: 0; }
.trust-strip .container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  margin-top: -52px;
  position: relative;
  z-index: 5;
}
.trust-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px 28px;
  display: flex;
  align-items: center;
  gap: 16px;
}
.trust-item .t-ic {
  width: 50px; height: 50px; flex: 0 0 auto;
  border-radius: 13px;
  background: var(--surface);
  display: grid; place-items: center;
  font-size: 1.5rem;
}
.trust-item strong { font-family: var(--font-head); font-size: 1.6rem; color: var(--ink); display: block; line-height: 1; }
.trust-item span { font-size: .9rem; color: var(--muted); }

/* ---------------------------------------------------------------------
   CARDS / GRIDS
   --------------------------------------------------------------------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: transform var(--ease), box-shadow var(--ease), border-color var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(22,163,74,.28); }

.card .icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: var(--surface);
  display: grid; place-items: center;
  font-size: 1.7rem;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); margin-bottom: 0; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .92rem;
}
.card-link span { transition: transform var(--ease); }
.card-link:hover span { transform: translateX(4px); }

/* Loan card rate chip */
.rate-chip {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--accent);
  background: var(--surface);
  border: 1px solid var(--line);
  padding: 5px 13px;
  border-radius: 999px;
  font-size: .9rem;
  margin-bottom: 14px;
}
.rate-chip b { font-size: 1.1rem; }

/* Feature list */
.feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.feature .tick {
  flex: 0 0 auto;
  width: 40px; height: 40px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  color: #fff;
  display: grid; place-items: center;
  font-weight: 700;
  box-shadow: 0 6px 14px rgba(22,163,74,.28);
}
.feature h3 { font-size: 1.12rem; margin-bottom: 4px; }
.feature p { margin-bottom: 0; font-size: .98rem; }

/* Split section */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.split--reverse .split-media { order: 2; }
.split-media {
  border-radius: 22px;
  min-height: 380px;
  background: linear-gradient(150deg, var(--accent-dp), var(--accent-dk));
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
  display: grid;
  place-items: center;
  color: #fff;
  padding: 32px;
}
.split-media::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(400px 300px at 80% 20%, rgba(14,165,233,.35), transparent 60%);
}

/* ---------------------------------------------------------------------
   STATS BAND
   --------------------------------------------------------------------- */
.stats-band {
  background: linear-gradient(135deg, var(--accent-dp), var(--accent-dk));
  color: #fff;
}
.stats-band .section-head h2 { color: #fff; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; text-align: center; }
.stat strong {
  font-family: var(--font-head);
  font-size: clamp(2.2rem, 4vw, 3rem);
  display: block;
  line-height: 1;
  background: linear-gradient(120deg, #fff, var(--accent2));
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
}
.stat span { color: rgba(255,255,255,.8); font-size: .95rem; }

/* ---------------------------------------------------------------------
   HOW IT WORKS — steps
   --------------------------------------------------------------------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  position: relative;
}
.step .num {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  color: #fff;
  font-family: var(--font-head);
  font-weight: 700;
  display: grid; place-items: center;
  margin-bottom: 16px;
}
.step h3 { font-size: 1.1rem; margin-bottom: 6px; }
.step p { margin-bottom: 0; font-size: .95rem; }

/* ---------------------------------------------------------------------
   TESTIMONIALS
   --------------------------------------------------------------------- */
.quote-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 36px 34px;
  box-shadow: var(--shadow);
}
.quote-card .stars { color: #f59e0b; margin-bottom: 14px; letter-spacing: 2px; }
.quote-card blockquote {
  margin: 0 0 22px;
  font-size: 1.1rem;
  color: var(--ink);
  font-family: var(--font-head);
  font-weight: 500;
  line-height: 1.5;
}
.quote-author { display: flex; align-items: center; gap: 14px; }
.avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  display: grid; place-items: center;
  color: #fff;
  font-family: var(--font-head);
  font-weight: 700;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
}
.quote-author b { display: block; font-family: var(--font-head); color: var(--ink); }
.quote-author span { font-size: .88rem; color: var(--muted); }

/* ---------------------------------------------------------------------
   CTA BAND
   --------------------------------------------------------------------- */
.cta-band {
  background:
    radial-gradient(600px 400px at 90% 10%, rgba(14,165,233,.28), transparent 60%),
    linear-gradient(135deg, var(--accent-dp), var(--accent-dk));
  color: #fff;
  border-radius: 28px;
  padding: 60px 48px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.85); max-width: 560px; margin: 0 auto 28px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------------------------------------------------------------------
   PAGE BANNER (inner pages)
   --------------------------------------------------------------------- */
.page-banner {
  background:
    radial-gradient(700px 400px at 85% -20%, rgba(14,165,233,.16), transparent 60%),
    linear-gradient(180deg, var(--surface), #fff);
  padding: 64px 0 56px;
  border-bottom: 1px solid var(--line);
}
.page-banner h1 { margin-bottom: 10px; }
.page-banner p { max-width: 620px; color: var(--muted); margin-bottom: 0; }
.breadcrumb {
  font-family: var(--font-head);
  font-size: .85rem;
  font-weight: 500;
  color: var(--muted);
  margin-bottom: 16px;
}
.breadcrumb a { color: var(--accent); }
.breadcrumb span { margin: 0 6px; }

/* ---------------------------------------------------------------------
   LOANS PAGE — detailed blocks
   --------------------------------------------------------------------- */
.loan-block {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding: 34px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: transform var(--ease), box-shadow var(--ease);
}
.loan-block:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.loan-block .l-icon {
  width: 64px; height: 64px;
  border-radius: 16px;
  background: var(--surface);
  display: grid; place-items: center;
  font-size: 1.9rem;
}
.loan-block h3 { margin-bottom: 4px; }
.loan-meta {
  display: flex; flex-wrap: wrap; gap: 22px;
  margin: 16px 0;
  padding: 16px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.loan-meta div span { display: block; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.loan-meta div strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--ink); }
.loan-meta div strong.hl { color: var(--accent); }
.eligibility {
  display: flex; flex-wrap: wrap; gap: 10px;
  margin-top: 8px;
}
.eligibility li {
  font-size: .85rem;
  font-family: var(--font-head);
  font-weight: 500;
  color: var(--accent-dk);
  background: var(--surface);
  padding: 6px 13px;
  border-radius: 999px;
}

/* ---------------------------------------------------------------------
   TABLES (comparison + rates)
   --------------------------------------------------------------------- */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  background: #fff;
}
table.rate-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
}
table.rate-table thead th {
  background: var(--accent-dp);
  color: #fff;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .92rem;
  text-align: left;
  padding: 16px 20px;
  letter-spacing: .01em;
}
table.rate-table tbody td {
  padding: 15px 20px;
  border-top: 1px solid var(--line);
  font-size: .96rem;
  color: var(--ink);
}
table.rate-table tbody tr:nth-child(even) { background: var(--surface); }
table.rate-table tbody tr:hover { background: rgba(22,163,74,.06); }
table.rate-table td .apr { color: var(--accent); font-family: var(--font-head); font-weight: 700; }
table.rate-table td:first-child { font-family: var(--font-head); font-weight: 600; }
.table-note { font-size: .84rem; color: var(--muted); margin-top: 14px; }

/* ---------------------------------------------------------------------
   FAQ (details/summary accordion)
   --------------------------------------------------------------------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  margin-bottom: 14px;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 56px 20px 24px;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--ink);
  position: relative;
  font-size: 1.04rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 24px; top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--accent);
  transition: transform var(--ease);
}
.faq details[open] summary::after { content: "\2212"; }
.faq details p {
  padding: 0 24px 22px;
  margin: 0;
  color: var(--muted);
}

/* ---------------------------------------------------------------------
   CALCULATOR
   --------------------------------------------------------------------- */
.calc-grid {
  display: grid;
  grid-template-columns: .95fr 1.05fr;
  gap: 40px;
  align-items: start;
}
.calc-form {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 34px;
  box-shadow: var(--shadow);
}
.calc-form h2 { font-size: 1.5rem; }
.calc-field { margin-bottom: 22px; }
.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .92rem;
  color: var(--ink);
  margin-bottom: 9px;
}
.calc-field label .val {
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--accent);
}
.input-prefix {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix .sym {
  position: absolute;
  left: 15px;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--muted);
  pointer-events: none;
}
.input-prefix.suffix .sym { left: auto; right: 15px; }
.calc-field input[type="number"] {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--ink);
  padding: 13px 15px 13px 30px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  transition: border-color var(--ease), box-shadow var(--ease);
}
.input-prefix.suffix input[type="number"] { padding: 13px 34px 13px 15px; }
.calc-field input[type="number"]:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(22,163,74,.12);
}
.calc-field input[type="range"] {
  width: 100%;
  margin-top: 12px;
  accent-color: var(--accent);
}
.calc-hint { font-size: .82rem; color: var(--muted); margin-top: 6px; }

/* Result panel */
.calc-result {
  background: linear-gradient(160deg, var(--accent-dp), var(--accent-dk));
  border-radius: var(--radius);
  padding: 36px;
  color: #fff;
  box-shadow: var(--shadow-lg);
}
.calc-result .res-label { font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.7); }
.calc-result .res-monthly {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: clamp(2.6rem, 6vw, 3.6rem);
  line-height: 1;
  margin: 6px 0 4px;
  background: linear-gradient(120deg, #fff, var(--accent2));
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
}
.calc-result .res-sub { color: rgba(255,255,255,.78); font-size: .92rem; }
.res-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 26px 0;
}
.res-breakdown .rb {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
}
.res-breakdown .rb span { display: block; font-size: .78rem; letter-spacing: .04em; text-transform: uppercase; color: rgba(255,255,255,.68); margin-bottom: 4px; }
.res-breakdown .rb strong { font-family: var(--font-head); font-size: 1.35rem; color: #fff; }
/* Principal vs interest bar */
.res-bar { height: 14px; border-radius: 999px; overflow: hidden; display: flex; background: rgba(255,255,255,.14); margin-bottom: 10px; }
.res-bar i { display: block; height: 100%; }
.res-bar .bar-p { background: var(--accent2); }
.res-bar .bar-i { background: rgba(255,255,255,.45); }
.res-legend { display: flex; gap: 20px; font-size: .82rem; color: rgba(255,255,255,.82); }
.res-legend span { display: inline-flex; align-items: center; gap: 7px; }
.res-legend i { width: 11px; height: 11px; border-radius: 3px; display: inline-block; }
.res-legend .lg-p { background: var(--accent2); }
.res-legend .lg-i { background: rgba(255,255,255,.45); }
.res-disclaimer { font-size: .8rem; color: rgba(255,255,255,.6); margin: 18px 0 0; }

/* ---------------------------------------------------------------------
   ABOUT — values + team
   --------------------------------------------------------------------- */
.value-card .icon { background: linear-gradient(135deg, rgba(22,163,74,.12), rgba(14,165,233,.16)); }

.team-card { text-align: center; }
.team-card .team-photo {
  width: 110px; height: 110px;
  border-radius: 50%;
  margin: 0 auto 16px;
  display: grid; place-items: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 2rem;
  color: #fff;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  box-shadow: var(--shadow);
}
.team-card:nth-child(2) .team-photo { background: linear-gradient(135deg, var(--accent2), var(--accent)); }
.team-card:nth-child(3) .team-photo { background: linear-gradient(135deg, var(--accent-dk), var(--accent2)); }
.team-card:nth-child(4) .team-photo { background: linear-gradient(135deg, var(--accent2), var(--accent-dp)); }
.team-card h3 { font-size: 1.15rem; margin-bottom: 2px; }
.team-card .role { color: var(--accent); font-family: var(--font-head); font-weight: 600; font-size: .9rem; margin-bottom: 10px; }
.team-card p { font-size: .92rem; color: var(--muted); margin-bottom: 0; }

/* ---------------------------------------------------------------------
   CONTACT
   --------------------------------------------------------------------- */
.contact-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 44px; align-items: start; }
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
}
.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-family: var(--font-head);
  font-weight: 500;
  font-size: .9rem;
  color: var(--ink);
  margin-bottom: 7px;
}
.field input, .field select, .field textarea {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  padding: 13px 15px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  transition: border-color var(--ease), box-shadow var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(22,163,74,.12);
}
.field textarea { resize: vertical; min-height: 130px; }
.field .error-msg { color: #dc2626; font-size: .82rem; margin-top: 5px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #dc2626; }
.field.invalid .error-msg { display: block; }
.form-note { font-size: .85rem; color: var(--muted); margin-top: 6px; }
.form-status {
  display: none;
  margin-top: 18px;
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  background: #ecfdf5;
  border: 1px solid #6ee7b7;
  color: #047857;
  font-weight: 500;
}
.form-status.show { display: block; }

.info-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 30px;
  margin-bottom: 22px;
}
.info-row { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 20px; }
.info-row:last-child { margin-bottom: 0; }
.info-row .info-ic {
  width: 44px; height: 44px; flex: 0 0 auto;
  border-radius: 12px; background: #fff;
  display: grid; place-items: center; font-size: 1.3rem;
  box-shadow: var(--shadow);
}
.info-row b { font-family: var(--font-head); color: var(--ink); display: block; }
.info-row span { font-size: .94rem; }

/* Map placeholder */
.map-placeholder {
  border-radius: var(--radius);
  min-height: 240px;
  background:
    linear-gradient(rgba(22,163,74,.06), rgba(22,163,74,.06)),
    repeating-linear-gradient(0deg, var(--line) 0 1px, transparent 1px 42px),
    repeating-linear-gradient(90deg, var(--line) 0 1px, transparent 1px 42px),
    var(--surface);
  border: 1px solid var(--line);
  display: grid; place-items: center;
  text-align: center;
  color: var(--muted);
}
.map-placeholder .pin { font-size: 2.4rem; }

/* ---------------------------------------------------------------------
   FOOTER (shared)
   --------------------------------------------------------------------- */
.site-footer {
  background: var(--accent-dp);
  color: rgba(255,255,255,.75);
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 44px;
}
.site-footer .brand { color: #fff; margin-bottom: 14px; }
.site-footer .brand:hover { color: #fff; }
.footer-about p { font-size: .95rem; color: rgba(255,255,255,.7); max-width: 320px; }
.footer-col h4 {
  color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col a { display: block; color: rgba(255,255,255,.72); padding: 5px 0; font-size: .95rem; }
.footer-col a:hover { color: #fff; }
.social { display: flex; gap: 10px; margin-top: 16px; }
.social a {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,.1);
  display: grid; place-items: center;
  font-size: 1rem;
}
.social a:hover { background: var(--accent); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: .88rem;
  color: rgba(255,255,255,.6);
}
.footer-bottom a { color: rgba(255,255,255,.75); }
.footer-disclaimer { font-size: .78rem; color: rgba(255,255,255,.5); margin-top: 14px; max-width: 760px; }

/* ---------------------------------------------------------------------
   SCROLL-REVEAL
   --------------------------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .7s ease, transform .7s ease;
  will-change: opacity, transform;
}
.reveal.is-visible { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: .08s; }
.reveal[data-delay="2"] { transition-delay: .16s; }
.reveal[data-delay="3"] { transition-delay: .24s; }
.no-io .reveal { opacity: 1; transform: none; }

/* ---------------------------------------------------------------------
   RESPONSIVE
   --------------------------------------------------------------------- */
@media (max-width: 980px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-visual { max-width: 460px; }
  .calc-grid { grid-template-columns: 1fr; gap: 30px; }
  .trust-strip .container { grid-template-columns: 1fr; margin-top: 28px; }
}

@media (max-width: 760px) {
  .section { padding: 64px 0; }

  /* Mobile nav */
  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute;
    top: 74px; left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    background: #fff;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
    padding: 14px var(--gutter) 22px;
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    transition: opacity var(--ease), transform var(--ease);
  }
  .nav-links.open { transform: none; opacity: 1; pointer-events: auto; }
  .nav-links a { padding: 12px 14px; }
  .nav-cta { margin: 8px 0 0; }
  .nav-cta .btn { width: 100%; justify-content: center; }

  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 32px; }
  .split--reverse .split-media { order: 0; }
  .loan-block { grid-template-columns: 1fr; }
  .stats-grid, .steps { grid-template-columns: 1fr 1fr; }
  .cta-band { padding: 44px 26px; }
}

@media (max-width: 460px) {
  .stats-grid, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .res-breakdown { grid-template-columns: 1fr; }
}