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

:root {
  --amber:       #e8a020;
  --amber-light: #f5c842;
  --amber-dark:  #c07810;
  --rust:        #c0471a;
  --rust-light:  #e05a28;
  --forest:      #1e3d2f;
  --forest-mid:  #2a5240;
  --forest-light:#3b7a5a;
  --cream:       #fdf8f0;
  --sand:        #f0e8d8;
  --sand-dark:   #e0d0b8;
  --text-dark:   #1a1208;
  --text-mid:    #4a3c28;
  --text-light:  #7a6a52;
  --white:       #ffffff;
  --border:      #ddd0b8;
  --shadow-warm: rgba(200,120,20,0.15);
  --shadow-dark: rgba(30,20,10,0.12);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  background: var(--cream);
  color: var(--text-dark);
  overflow-x: hidden;
}

/* noise removed for cleaner hero */

/* ─── KEYFRAMES ─── */
@keyframes fadeUp   { from { opacity:0; transform:translateY(30px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeIn   { from { opacity:0; } to { opacity:1; } }
@keyframes floatY   { 0%,100% { transform:translateY(0); } 50% { transform:translateY(-10px); } }
@keyframes spinSlow { from { transform:rotate(0deg); } to { transform:rotate(360deg); } }
@keyframes pulse    { 0%,100% { opacity:1; } 50% { opacity:0.6; } }
@keyframes shimmer  {
  0%   { background-position: -400px 0; }
  100% { background-position: 400px 0; }
}
@keyframes barGrow  { from { width:0; } to { width:var(--w); } }

.fade-up  { opacity:0; animation: fadeUp 0.7s ease forwards; }
.fade-in  { opacity:0; animation: fadeIn 0.6s ease forwards; }

/* ─── HEADER ─── */
/* ═══════════════════════════════════════════
   SITE HEADER & NAV
═══════════════════════════════════════════ */
header {
  position: sticky; top: 0; z-index: 500;
  background: rgba(253,248,240,0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  height: 68px;
  display: flex; align-items: center;
  padding: 0 28px;
}

.nav-inner {
  width: 100%;
  height: 68px;
  position: relative;
}

/* Invisible spacer kept for legacy header markup */
.nav-spacer {
  width: 40px;
  height: 40px;
  visibility: hidden;
}

/* Header logo — hard-centered */
header .logo-link {
  display: flex; align-items: center; justify-content: center;
  text-decoration: none;
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  z-index: 2;
}

header .logo-img {
  height: 40px;
  width: auto;
  display: block;
  object-fit: contain;
}

/* ── Desktop nav links ── */
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  margin: 0; padding: 0;
}

.nav-links > li { position: relative; }

.nav-links > li > a,
.nav-links > li > button {
  display: flex; align-items: center; gap: 4px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem; font-weight: 600;
  color: #3a2e1e;
  text-decoration: none;
  padding: 8px 13px;
  border-radius: 8px;
  border: none; background: none;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.15s, color 0.15s;
  letter-spacing: 0.01em;
}

.nav-links > li > a:hover,
.nav-links > li > button:hover {
  background: rgba(192,120,16,0.08);
  color: #c07810;
}

.nav-links > li > a.nav-active {
  color: #c07810;
  background: rgba(192,120,16,0.1);
}

/* Chevron icon on dropdown triggers */
.nav-chevron {
  width: 12px; height: 12px;
  transition: transform 0.2s;
  flex-shrink: 0;
  opacity: 0.55;
}
.nav-dropdown-open .nav-chevron { transform: rotate(180deg); opacity: 0.9; }

/* ── Dropdown panel ── */
.nav-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 210px;
  background: #fff;
  border: 1px solid #e8dece;
  border-radius: 16px;
  box-shadow: 0 8px 32px rgba(30,20,10,0.13);
  padding: 8px;
  opacity: 0; visibility: hidden;
  transform: translateX(-50%) translateY(-6px);
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
  pointer-events: none;
  z-index: 600;
}

.nav-dropdown.open {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}

.nav-dropdown a {
  display: flex; align-items: center; gap: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem; font-weight: 600;
  color: #3a2e1e;
  text-decoration: none;
  padding: 9px 12px;
  border-radius: 10px;
  transition: background 0.12s, color 0.12s;
}

.nav-dropdown a:hover {
  background: rgba(192,120,16,0.09);
  color: #c07810;
}

.nav-dropdown-icon {
  width: 28px; height: 28px;
  background: #eef6f1;
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-dropdown-icon svg { width: 14px; height: 14px; }

.nav-dropdown-divider {
  height: 1px; background: #f0e8d8;
  margin: 6px 0;
}

/* Apply CTA button in header */
.nav-cta {
  display: inline-flex; align-items: center; gap: 6px;
  background: #c07810;
  color: #fff !important;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem; font-weight: 800;
  padding: 9px 18px !important;
  border-radius: 50px !important;
  text-decoration: none;
  border: none; cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  box-shadow: 0 3px 12px rgba(192,120,16,0.35);
  margin-left: 8px;
  white-space: nowrap;
}
.nav-cta:hover { background: #d98a1a !important; transform: translateY(-1px); color: #fff !important; }
.nav-cta svg { width: 13px; height: 13px; }

/* ── Hamburger button — always visible, right side ── */
.nav-hamburger {
  display: flex !important;
  flex-direction: column; align-items: center; justify-content: center;
  gap: 5px;
  width: 40px; height: 40px;
  background: none; border: none; cursor: pointer;
  border-radius: 10px;
  padding: 0;
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  transition: background 0.15s;
  -webkit-tap-highlight-color: transparent;
}
.nav-hamburger:hover { background: rgba(192,120,16,0.08); }
.nav-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: #3a2e1e;
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.2s, width 0.2s;
  transform-origin: center;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; width: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Slide-out drawer ── */
.nav-drawer-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 490;
  background: rgba(15,10,5,0.45);
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
}
.nav-drawer-overlay.open { display: block; }

.nav-drawer {
  position: fixed;
  top: 0; right: 0;
  width: min(380px, 92vw);
  height: 100dvh;
  background:
    radial-gradient(700px 320px at 100% -10%, rgba(192,120,16,0.10), transparent 45%),
    linear-gradient(180deg, #fffefb 0%, #fffaf3 100%);
  z-index: 510;
  box-shadow: -10px 0 44px rgba(30,20,10,0.2);
  border-left: 1px solid #efe3d0;
  transform: translateX(100%);
  transition: transform 0.3s cubic-bezier(0.4,0,0.2,1);
  overflow-y: auto;
  display: flex; flex-direction: column;
}
.nav-drawer.open { transform: translateX(0); }

.nav-drawer-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 18px 14px;
  border-bottom: 1px solid #eee1cf;
  flex-shrink: 0;
  background: linear-gradient(180deg, #fffefb 0%, #fff9f1 100%);
  position: sticky;
  top: 0;
  z-index: 1;
}
.nav-drawer-logo { height: 34px; width: auto; }

.nav-drawer-close {
  width: 36px; height: 36px;
  background: #f5ede0; border: none; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; font-size: 1.2rem; color: #5a4520;
  transition: background 0.15s;
  -webkit-tap-highlight-color: transparent;
}
.nav-drawer-close:hover { background: #ecddc8; }

/* Drawer sections */
.nav-drawer-section {
  padding: 16px 14px 10px;
}
.nav-drawer-section-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.66rem; font-weight: 900;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: #9f825e;
  padding: 0 10px;
  margin-bottom: 10px;
}

.nav-drawer-link {
  display: flex; align-items: center; gap: 12px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem; font-weight: 600;
  color: #2a1e0e;
  text-decoration: none;
  padding: 12px 10px;
  border-radius: 14px;
  border: 1px solid rgba(192,120,16,0.12);
  background: rgba(255,255,255,0.75);
  transition: background 0.13s, color 0.13s, border-color 0.13s, transform 0.13s, box-shadow 0.13s;
  -webkit-tap-highlight-color: transparent;
  margin-bottom: 6px;
}
.nav-drawer-link:hover, .nav-drawer-link:active {
  background: rgba(192,120,16,0.1);
  color: #c07810;
  border-color: rgba(192,120,16,0.28);
  box-shadow: 0 6px 20px rgba(192,120,16,0.14);
  transform: translateX(2px);
}
.nav-drawer-link-icon {
  width: 36px; height: 36px;
  border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-drawer-link-icon svg { width: 17px; height: 17px; }

.nav-drawer-link-text { flex: 1; }
.nav-drawer-link-title { display: block; }
.nav-drawer-link-sub {
  display: block;
  font-size: 0.73rem; font-weight: 550;
  color: #917453;
  margin-top: 2px;
}

.nav-drawer-divider {
  height: 1px; background: #f0e8d8;
  margin: 4px 16px;
}

/* Drawer CTA */
.nav-drawer-cta {
  margin: 16px 14px 18px;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  background: linear-gradient(135deg, #c07810 0%, #d98a1a 100%);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.96rem; font-weight: 850;
  letter-spacing: 0.01em;
  padding: 16px 24px;
  border-radius: 999px;
  text-decoration: none;
  border: none; cursor: pointer;
  box-shadow: 0 10px 26px rgba(192,120,16,0.34), inset 0 -1px 0 rgba(0,0,0,0.12);
  transition: transform 0.18s, box-shadow 0.18s, filter 0.18s;
  -webkit-tap-highlight-color: transparent;
  position: sticky;
  bottom: 12px;
  z-index: 1;
}
.nav-drawer-cta:hover {
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 12px 30px rgba(192,120,16,0.42), inset 0 -1px 0 rgba(0,0,0,0.12);
  filter: saturate(1.06);
}
.nav-drawer-cta:active {
  transform: translateY(0);
  box-shadow: 0 7px 18px rgba(192,120,16,0.35), inset 0 -1px 0 rgba(0,0,0,0.12);
}
.nav-drawer-cta svg { width: 17px; height: 17px; }

@media (max-width: 600px) {
  header { padding: 0 16px; }
}

.logo-text {
  display: flex; flex-direction: column; line-height: 1;
}

.logo-text .brand {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.45rem; font-weight: 900;
  color: var(--text-dark); letter-spacing: -0.01em;
}

.logo-text .brand em { color: var(--amber); font-style: normal; }

.logo-text .tagline {
  font-size: 0.6rem; letter-spacing: 0.22em;
  color: var(--text-light); text-transform: uppercase;
  margin-top: 2px;
}

.nav-links {
  display: flex; align-items: center; gap: 32px;
  list-style: none;
}

.nav-links a {
  font-size: 0.88rem; font-weight: 600;
  color: var(--text-mid); text-decoration: none;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--forest); }

.nav-cta {
  padding: 10px 24px;
  background: var(--forest);
  color: var(--white) !important;
  border-radius: 50px;
  transition: background 0.2s, transform 0.15s !important;
}

.nav-cta:hover { background: var(--forest-mid) !important; transform: translateY(-1px); }



/* ─── HERO — centred single-column ─── */
.hero {
  position: relative; overflow: hidden;
  display: flex; align-items: flex-start; justify-content: center;
  background:
    radial-gradient(ellipse 680px 520px at 50% 52%, rgba(255,252,245,0.95) 0%, transparent 75%),
    linear-gradient(160deg, #ffffff 0%, #fdf6ec 55%, #f5efe2 100%);
  padding: 36px 24px 52px;
}

/* ── iframe takeover panel ── */
.hero-panel-iframe {
  position: fixed;
  top: 64px;
  left: 0; right: 0; bottom: 0;
  z-index: 900;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  justify-content: center;
  background: linear-gradient(160deg, #ffffff 0%, #fdf6ec 55%, #f5efe2 100%);
  overflow-y: auto;
  opacity: 0;
  transform: scale(0.96);
  transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1),
              transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: opacity, transform;
  visibility: hidden;
}
.hero-panel-iframe.open {
  opacity: 1;
  transform: scale(1);
  visibility: visible;
}

/* Dot-grid watermark */
.ifp-dotgrid {
  position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background-image: radial-gradient(circle, rgba(30,61,47,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
}

/* Vertical hairline dividers */
.ifp-vdivider {
  width: 1px;
  align-self: center;
  height: 260px;
  background: rgba(30,61,47,0.08);
  flex-shrink: 0;
  position: relative; z-index: 1;
}

/* Centre column */
.ifp-center {
  flex: 0 0 auto;
  width: min(580px, 100%);
  display: flex;
  flex-direction: column;
  align-items: stretch;
  padding: 16px 24px 24px;
  position: relative; z-index: 1;
}


/* Ambient side columns — frosted-glass feel at ~35% */
.ifp-ambient {
  flex: 1;
  min-width: 0;
  max-width: 220px;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 52px 24px 32px;
  gap: 0;
  position: relative; z-index: 1;
  color: rgba(30,61,47,0.35);
  align-self: center;
}

/* Each trust block */
.ifp-trust-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 5px;
  padding: 20px 0;
}
.ifp-wm-icon svg { width: 30px; height: 30px; display: block; }
.ifp-trust-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem; font-weight: 700;
  color: rgba(30,61,47,0.35);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  line-height: 1.3;
  margin-top: 6px;
}
.ifp-trust-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem; font-weight: 500;
  color: rgba(30,61,47,0.28);
  line-height: 1.3;
}

/* Horizontal divider between trust blocks */
.ifp-divider-h {
  width: 32px; height: 1px;
  background: rgba(30,61,47,0.08);
  flex-shrink: 0;
}

/* Stars */
.ifp-stars {
  font-size: 0.9rem;
  color: rgba(232,160,32,0.45);
  letter-spacing: 2px;
}
.ifp-rating-note {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.68rem; font-weight: 600;
  color: rgba(30,61,47,0.3);
}

/* Live activity indicator */
.ifp-live-block {
  display: flex; align-items: center; gap: 8px;
  padding: 20px 0 0;
}
.ifp-live-dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: rgba(46,204,113,0.6);
  flex-shrink: 0;
  box-shadow: 0 0 0 0 rgba(46,204,113,0.35);
  animation: ifpPulse 2s ease-out infinite;
}
@keyframes ifpPulse {
  0%   { box-shadow: 0 0 0 0 rgba(46,204,113,0.35); }
  70%  { box-shadow: 0 0 0 6px rgba(46,204,113,0); }
  100% { box-shadow: 0 0 0 0 rgba(46,204,113,0); }
}
.ifp-live-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem; font-weight: 500;
  color: rgba(30,61,47,0.35);
}
.ifp-live-text strong { color: rgba(30,61,47,0.45); font-weight: 700; }

/* Iframe itself */
.hero-panel-iframe #application-form {
  height: 840px;
  width: 100%;
  border: none;
  outline: none;
  box-shadow: none;
  display: block;
  border-radius: 0;
  background: transparent;
  flex-shrink: 0;
}

/* Mobile trust strip — hidden on desktop, shown on mobile */
.ifp-mobile-trust {
  display: none;
  align-items: center; justify-content: center;
  gap: 8px; flex-wrap: wrap;
  padding: 12px 0 0;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.74rem; font-weight: 600;
  color: rgba(30,61,47,0.5);
}
.ifp-mobile-trust svg { width: 13px; height: 13px; vertical-align: middle; margin-right: 3px; }
.ifp-mobile-trust span:not(:first-child):not(.dot) { }

/* ── Tablet (iPad landscape + portrait): 601px – 1024px ── */
@media (max-width: 1024px) {
  .ifp-ambient, .ifp-vdivider { display: none; }
  .hero-panel-iframe {
    justify-content: center;
    align-items: flex-start;
  }
  .ifp-center {
    width: min(620px, 100%);
    max-width: 620px;
    margin: 0 auto;
    padding: 20px 24px 32px;
  }
  .ifp-mobile-trust { display: flex; }
}

/* ── Small tablet / large phone: 601px – 768px ── */
@media (max-width: 768px) and (min-width: 601px) {
  .hero-panel-iframe { top: 58px; }
  .ifp-center {
    width: 100%;
    max-width: 100%;
    padding: 16px 20px 28px;
  }
  .hero-panel-iframe #application-form { height: 920px; }
}

/* ── Mobile: ≤600px ── */
@media (max-width: 600px) {
  .hero-panel-iframe { top: 58px; }
  .ifp-center {
    width: 100%;
    max-width: 100%;
    padding: 12px 16px 20px;
  }
  .hero-panel-iframe #application-form { height: 1000px; }
}

/* Prevent page scroll while iframe panel is open */
body.iframe-open {
  overflow: hidden;
}

/* Back button — sits below the iframe */
.iframe-back-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  align-self: center;
  background: none; border: 1.5px solid rgba(30,61,47,0.25); border-radius: 8px;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem; font-weight: 600;
  color: var(--forest);
  padding: 10px 22px;
  margin: 16px auto 24px;
  opacity: 0.75;
  flex-shrink: 0;
  transition: opacity 0.15s, transform 0.15s, border-color 0.15s;
}
.iframe-back-btn:hover { opacity: 1; border-color: var(--forest); transform: translateX(-2px); }
.iframe-back-btn svg { width: 16px; height: 16px; }

/* Decorative background blobs */
.hero-bg-circle {
  position: absolute; border-radius: 50%; pointer-events: none;
}
.hero-bg-circle-1 {
  width: 660px; height: 660px;
  background: radial-gradient(circle, rgba(232,160,32,0.10) 0%, transparent 68%);
  top: -180px; right: -180px; z-index: 0;
}
.hero-bg-circle-2 {
  width: 560px; height: 560px;
  background: radial-gradient(circle, rgba(30,61,47,0.07) 0%, transparent 68%);
  bottom: -140px; left: -140px; z-index: 0;
}

/* Leaf decor – repositioned for centred layout */
.hero-leaf {
  position: absolute; z-index: 0; pointer-events: none;
}
.hero-leaf-1 { top: 24px; right: 24px; width: 200px; transform: rotate(-8deg); }
.hero-leaf-2 { bottom: 24px; left: 16px; width: 160px; transform: rotate(6deg); }

/* ── CENTRE COLUMN ── */
.hero-center {
  position: relative; z-index: 2;
  display: flex; flex-direction: column; align-items: center;
  text-align: center;
  width: 100%; max-width: 520px;
}

/* Eyebrow pill */
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(232,160,32,0.10);
  border: 1px solid rgba(232,160,32,0.28);
  border-radius: 50px; padding: 6px 18px;
  font-size: 0.7rem; font-weight: 700; font-family: 'Montserrat', sans-serif;
  color: var(--amber-dark); letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 20px; width: fit-content;
  animation: fadeUp 0.5s ease 0.05s both;
}
.hero-eyebrow .dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--amber); animation: pulse 2s ease infinite;
}

/* Headline */
.hero-center h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 3vw, 2.4rem);
  font-weight: 800; line-height: 1.15;
  letter-spacing: -0.02em; color: var(--text-dark);
  white-space: nowrap;
  margin-bottom: 14px;
  animation: fadeUp 0.6s ease 0.12s both;
}
.hero-center h1 em {
  font-style: normal; color: var(--amber-dark);
  position: relative; display: inline-block;
}
.hero-center h1 em::after {
  display: none;
}

/* Subheading */
.hero-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem; font-weight: 500;
  color: var(--text-mid); line-height: 1.7;
  margin-bottom: 20px;
  max-width: 640px;
  width: 100vw;
  animation: fadeUp 0.6s ease 0.2s both;
}
.hero-sub-br { display: none; }

/* Social proof row — sits below the form card */
.hero-proof {
  display: inline-flex; align-items: center; gap: 12px;
  margin-top: 18px; margin-bottom: 0;
  animation: fadeUp 0.6s ease 0.36s both;
}
.hero-proof-avs {
  display: flex;
}
.hero-proof-avs .hb-av { margin-left: -8px; }
.hero-proof-avs .hb-av:first-child { margin-left: 0; }
.hero-proof-volume {
  font-size: 0.78rem; font-weight: 700; color: #2a7a50;
  font-family: 'Montserrat', sans-serif;
  background: rgba(42,122,80,0.10);
  padding: 2px 7px; border-radius: 20px;
  letter-spacing: 0.01em;
  white-space: nowrap;
}
.hero-proof-sep {
  width: 3px; height: 3px; border-radius: 50%;
  background: var(--text-light); opacity: 0.45;
  flex-shrink: 0;
}
.hero-proof-text {
  font-size: 0.82rem; font-weight: 600; color: var(--text-light);
  font-family: 'Montserrat', sans-serif;
}
.hero-proof-text strong { color: var(--text-mid); font-weight: 800; }

/* ── Floating Glass Message Cards ── */
.hf-card {
  position: absolute; z-index: 3;
  display: flex; align-items: flex-end; gap: 9px;
}
.hf-card-left {
  left: 32px; top: 40%;
  transform: translateY(-50%);
  flex-direction: row;
  animation: hfSlideRight 0.55s cubic-bezier(0.34,1.15,0.64,1) 0.22s both;
}
.hf-card-right {
  right: 32px; top: 62%;
  transform: translateY(-50%);
  flex-direction: row-reverse;
  animation: hfSlideLeft 0.55s cubic-bezier(0.34,1.15,0.64,1) 0.4s both;
}
@keyframes hfSlideRight {
  from { opacity: 0; transform: translateY(-50%) translateX(-22px) scale(0.96); }
  to   { opacity: 1; transform: translateY(-50%) translateX(0)     scale(1); }
}
@keyframes hfSlideLeft {
  from { opacity: 0; transform: translateY(-50%) translateX(22px)  scale(0.96); }
  to   { opacity: 1; transform: translateY(-50%) translateX(0)     scale(1); }
}

/* Sender avatar */
.hf-sender-wrap { position: relative; flex-shrink: 0; }
.hf-sender {
  width: 36px; height: 36px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.62rem; font-weight: 800; color: rgba(255,255,255,0.92);
  /* glass avatar */
  background: rgba(255,255,255,0.22);
  backdrop-filter: blur(20px) saturate(160%);
  -webkit-backdrop-filter: blur(20px) saturate(160%);
  border: 1px solid rgba(255,255,255,0.5);
  box-shadow: 0 4px 14px rgba(0,0,0,0.10), inset 0 1px 0 rgba(255,255,255,0.6);
}
.hf-card-left  .hf-sender { color: rgba(20,55,38,0.9); }
.hf-card-right .hf-sender { color: rgba(130,80,10,0.9); }

/* Online dot */
.hf-online {
  position: absolute; bottom: 1px; right: 1px;
  width: 9px; height: 9px; border-radius: 50%;
  background: #34c759;
  border: 1.5px solid rgba(255,255,255,0.9);
  box-shadow: 0 0 6px rgba(52,199,89,0.5);
}
.hf-online::after {
  content: '';
  position: absolute; inset: -3px; border-radius: 50%;
  background: rgba(52,199,89,0.25);
  animation: pulse 2s ease infinite;
}

/* Glass bubble */
.hf-bubble {
  position: relative;
  max-width: 196px;
  padding: 12px 14px 10px;
  border-radius: 20px;
  /* core glass */
  background: linear-gradient(
    135deg,
    rgba(255,255,255,0.38) 0%,
    rgba(255,255,255,0.22) 100%
  );
  backdrop-filter: blur(24px) saturate(180%) brightness(1.05);
  -webkit-backdrop-filter: blur(24px) saturate(180%) brightness(1.05);
  /* gradient border via outline trick */
  border: 1px solid rgba(255,255,255,0.52);
  /* soft glow beneath */
  box-shadow:
    0 8px 32px rgba(30,20,10,0.08),
    0 1px 0   rgba(255,255,255,0.7) inset,
    0 -1px 0  rgba(0,0,0,0.04) inset;
}

/* Speech tail left */
.hf-card-left .hf-bubble  { border-top-left-radius: 5px; }
.hf-card-left .hf-bubble::before {
  content: '';
  position: absolute; bottom: 8px; left: -6px;
  width: 12px; height: 12px;
  background: inherit;
  backdrop-filter: inherit;
  -webkit-backdrop-filter: inherit;
  border-left: 1px solid rgba(255,255,255,0.52);
  border-bottom: 1px solid rgba(255,255,255,0.52);
  transform: rotate(45deg);
  border-radius: 0 0 0 3px;
}

/* Speech tail right */
.hf-card-right .hf-bubble { border-top-right-radius: 5px; }
.hf-card-right .hf-bubble::before {
  content: '';
  position: absolute; bottom: 8px; right: -6px;
  width: 12px; height: 12px;
  background: inherit;
  backdrop-filter: inherit;
  -webkit-backdrop-filter: inherit;
  border-right: 1px solid rgba(255,255,255,0.52);
  border-bottom: 1px solid rgba(255,255,255,0.52);
  transform: rotate(-45deg);
  border-radius: 0 0 3px 0;
}

/* Colour-tinted glow per card */
.hf-card-left  .hf-bubble { box-shadow: 0 8px 32px rgba(30,61,47,0.12), 0 1px 0 rgba(255,255,255,0.7) inset; }
.hf-card-right .hf-bubble { box-shadow: 0 8px 32px rgba(200,136,42,0.12), 0 1px 0 rgba(255,255,255,0.7) inset; }

/* Avatars row */
.hf-avatars { display: flex; margin-bottom: 7px; }
.hf-av {
  width: 22px; height: 22px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.48rem; font-weight: 800; color: rgba(255,255,255,0.95);
  border: 1.5px solid rgba(255,255,255,0.8);
  margin-left: -6px;
  box-shadow: 0 1px 4px rgba(0,0,0,0.12);
}
.hf-avatars .hf-av:first-child { margin-left: 0; }
.hf-av-more {
  background: rgba(150,150,150,0.45);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  font-size: 0.42rem;
}

/* Stars */
.hf-stars { margin-bottom: 6px; }
.hf-stars svg { width: 56px; height: 11px; display: block; opacity: 0.88; }

/* Text */
.hf-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.73rem; font-weight: 600;
  color: rgba(18,32,24,0.86); line-height: 1.45; margin: 0;
}
.hf-title strong { font-weight: 800; color: rgba(18,55,36,0.92); }
.hf-card-right .hf-title strong { color: rgba(148,90,10,0.92); }
.hf-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.61rem; font-weight: 500;
  color: rgba(60,80,70,0.62); margin: 4px 0 0;
}

/* Timestamp */
.hf-time {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.52rem; font-weight: 500;
  color: rgba(100,115,108,0.5);
  margin-top: 6px; display: block; text-align: right;
}

/* suppress old leftovers */
.hf-icon-wrap, .hf-icon-green, .hf-icon-amber,
.hf-content, .hf-pulse { display: none; }

/* ── FORM CARD ── */
.form-card {
  position: relative; z-index: 2;
  width: 100%;
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  scroll-margin-top: 90px;
  box-shadow: 0 4px 24px rgba(30,20,10,0.08), 0 1px 4px rgba(30,20,10,0.04);
  border: 1px solid #e8e0d0;
  animation: fadeUp 0.7s ease 0.28s both;
  text-align: left;
}

/* ── Amount header ── */
.fc-header {
  padding: 20px 24px 16px;
  border-bottom: 1px solid #f0e8d8;
  text-align: center;
}
.fc-header-label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem; font-weight: 700;
  color: var(--text-light);
  letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 10px;
}
.fc-amount-display {
  display: flex; align-items: center; justify-content: center;
  background: var(--cream);
  border: 1.5px solid #e0d4c0;
  border-radius: 10px;
  padding: 10px 14px;
  gap: 4px;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.fc-amount-display:focus-within {
  border-color: var(--forest);
  box-shadow: 0 0 0 3px rgba(30,61,47,0.08);
}
.fc-currency {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem; font-weight: 700;
  color: var(--text-mid); flex-shrink: 0;
}
.fc-amount-input {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.35rem; font-weight: 700;
  color: var(--text-dark);
  background: none; border: none; outline: none;
  width: auto; min-width: 0; flex: 1;
  text-align: center;
  letter-spacing: -0.01em;
  -moz-appearance: textfield;
}
.fc-amount-input::placeholder {
  font-weight: 500; color: #c0b4a4; font-size: 1.05rem;
  text-align: center;
}
.fc-amount-input::-webkit-outer-spin-button,
.fc-amount-input::-webkit-inner-spin-button { -webkit-appearance: none; }

/* ── Range slider ── */
.fc-slider-wrap {
  padding: 16px 24px 4px;
}
/* fill div is kept in HTML but hidden — fill is driven via JS inline style on the slider */
.fc-slider-track-fill { display: none; }

.fc-slider {
  width: 100%; height: 4px;
  -webkit-appearance: none; appearance: none;
  border-radius: 100px; outline: none; cursor: pointer;
  /* background set dynamically by JS updateSliderFill() */
  background: linear-gradient(to right, var(--forest) 12%, #e8e0d0 12%);
}

/* Thumb */
.fc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--forest);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(30,61,47,0.32);
  cursor: pointer;
  transition: transform 0.12s, box-shadow 0.12s;
}
.fc-slider::-webkit-slider-thumb:hover,
.fc-slider:active::-webkit-slider-thumb {
  transform: scale(1.18);
  box-shadow: 0 3px 12px rgba(30,61,47,0.42);
}
.fc-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--forest); border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(30,61,47,0.32); cursor: pointer;
}
.fc-slider::-moz-range-progress {
  background: var(--forest); border-radius: 100px;
}

.fc-slider-labels {
  display: flex; justify-content: space-between;
  margin-top: 6px;
  font-size: 0.66rem; color: var(--text-light);
  font-family: 'Montserrat', sans-serif; font-weight: 500;
}

/* ── Quick-select chips ── */
.fc-chips-wrap {
  display: flex; gap: 8px;
  padding: 14px 24px 0;
}
.fc-chip {
  flex: 1;
  padding: 10px 4px;
  border: 1px solid #e0d4c0;
  border-radius: 8px;
  background: transparent;
  text-align: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem; font-weight: 700;
  color: var(--text-mid);
  cursor: pointer;
  transition: all 0.15s;
  text-align: center;
  white-space: nowrap;
}
.fc-chip:hover {
  background: rgba(232,160,32,0.07);
  border-color: var(--amber-dark);
  color: var(--amber-dark);
}
.fc-chip-mobile-only { display: none; justify-content: center; align-items: center; }
.fc-chip[data-active],
.fc-chip.active {
  background: var(--forest);
  border-color: var(--forest);
  color: var(--white);
}

/* ── CTA wrapper ── */
.fc-cta-wrap {
  padding: 16px 24px 20px;
}

/* CTA button */
.cta-btn {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: 100%; padding: 14px 20px;
  background: rgb(192,120,16);
  color: var(--white); font-size: 1.05rem; font-weight: 600;
  font-family: 'Montserrat', sans-serif; border: none; border-radius: 10px;
  cursor: pointer; letter-spacing: 0.02em;
  transition: filter 0.18s, transform 0.15s;
  position: relative; overflow: hidden;
  box-shadow: 0 4px 18px rgba(192,120,16,0.30);
}
.cta-btn::after {
  content: '';
  position: absolute; top: 0; left: -120%; width: 60%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.12), transparent);
  transform: skewX(-20deg); animation: shimmer 3.5s ease 1.2s infinite;
}
.cta-btn:hover { background: rgb(30,77,47); filter: none; transform: scale(1.03) translateY(-1px); }
.cta-btn svg { width: 15px; height: 15px; flex-shrink: 0; }

/* Trust row */
.fc-trust-row {
  display: flex; align-items: center; justify-content: center;
  gap: 10px; flex-wrap: wrap;
  margin-top: 10px;
}
.fc-trust-item {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 0.67rem; font-weight: 600;
  color: var(--text-light);
  font-family: 'Montserrat', sans-serif;
}
.fc-trust-item svg { width: 11px; height: 11px; flex-shrink: 0; }
.fc-trust-dot {
  width: 2px; height: 2px; border-radius: 50%;
  background: var(--border); flex-shrink: 0;
}

/* Fine print */
.form-fine-block {
  padding: 10px 24px 12px;
  border-top: 1px solid #f0e8d8;
}
.form-fine {
  font-size: 0.62rem; color: #b8a898; line-height: 1.7;
  text-align: center; font-family: 'Montserrat', sans-serif;
}
.form-fine a { color: var(--amber-dark); font-weight: 600; text-decoration: none; }
.form-fine a:hover { text-decoration: underline; }

/* Avatar circles — used in hero proof strip and trust badge */
.hb-av {
  width: 30px; height: 30px; border-radius: 50%;
  border: 2px solid var(--white); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.62rem; font-weight: 700; color: var(--white);
}
.hb-av-a { background: linear-gradient(135deg,#8d6e63,#6d4c41); }
.hb-av-b { background: linear-gradient(135deg,#d4a574,#b07040); }
.hb-av-c { background: linear-gradient(135deg,#66bb6a,#388e3c); }

/* shared badge-av aliases */
.badge-avatars { display: flex; }
.badge-av {
  width: 30px; height: 30px; border-radius: 50%;
  border: 2px solid var(--white); margin-left: -8px; flex-shrink: 0;
  font-size: 0.65rem; font-weight: 700; color: var(--white);
  display: flex; align-items: center; justify-content: center;
}
.badge-av:first-child { margin-left: 0; }
.av-a { background: linear-gradient(135deg,#8d6e63,#6d4c41); }
.av-b { background: linear-gradient(135deg,#e9967a,#c06040); }
.av-c { background: linear-gradient(135deg,#66bb6a,#388e3c); font-size: 0.7rem; }

/* Stats strip */
.stats-strip {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 48px 40px;
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  background: transparent;
}
.stat-item {
  background: #fff;
  border: 1px solid #ede8df;
  border-radius: 16px;
  padding: 28px 20px;
  text-align: center;
  display: flex; flex-direction: column; align-items: center; gap: 10px;
  box-shadow: 0 2px 12px rgba(30,20,10,0.05);
  animation: fadeUp 0.6s ease both;
  transition: transform 0.18s, box-shadow 0.18s;
}
.stat-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(30,20,10,0.10);
}
.stat-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, #eef6f1, #d8ede3);
  display: flex; align-items: center; justify-content: center;
  color: var(--forest); flex-shrink: 0;
}
.stat-icon svg { width: 20px; height: 20px; }
.stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem; font-weight: 900;
  color: var(--text-dark); line-height: 1;
}
.stat-label {
  font-size: 0.75rem; font-weight: 500;
  color: var(--text-light);
  font-family: 'Montserrat', sans-serif;
  line-height: 1.4;
}

/* ─── LOAN TYPES ─── */
.loan-types-section {
  background: #1e3d2f;
  padding: 80px 48px 88px;
  text-align: center;
  display: flex; flex-direction: column; align-items: center;
  position: relative; overflow: hidden;
}
.loan-types-section::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.10) 1px, transparent 1px);
  background-size: 22px 22px;
  pointer-events: none; z-index: 0;
}
.loan-types-section .section-label {
  position: relative; z-index: 1;
}
.loan-types-section .section-title {
  font-size: clamp(1.8rem, 2.8vw, 2.4rem);
  margin-bottom: 12px;
  position: relative; z-index: 1;
  color: #ffffff;
  text-align: center; width: 100%; display: block;
}
.loan-types-section .section-sub {
  white-space: nowrap;
  font-size: 1.05rem;
  margin: 0 auto;
  position: relative; z-index: 1;
  color: rgba(255,255,255,0.7);
  text-align: center; width: max-content; max-width: 100%; display: block;
  display: block;
}
.loan-types-grid {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: nowrap;
  margin-top: 48px;
  position: relative; z-index: 1;
}

/* ── Apple glass cards ── */
.lt-card {
  display: flex; flex-direction: column; align-items: center; gap: 20px;
  text-decoration: none;
  background: #ffffff;
  border: 1px solid rgba(255,255,255,0.9);
  border-radius: 24px;
  padding: 44px 28px 38px;
  flex: 1; min-width: 0;
  cursor: pointer;
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  transition: transform 0.22s, box-shadow 0.22s;
}
.lt-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(0,0,0,0.18);
  background: #fffbf3;
}
.lt-card:hover .lt-label {
  color: var(--amber-dark);
}
.lt-icon { width: 80px; height: 80px; flex-shrink: 0; }
.lt-icon svg { width: 80px; height: 80px; }
.lt-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem; font-weight: 700;
  color: var(--text-dark);
  text-align: center; line-height: 1;
  white-space: nowrap;
}

/* ── Tablet landscape (iPad Pro / large tablet): 901px – 1024px ── */
@media (max-width: 1024px) and (min-width: 901px) {
  .loan-types-section { padding: 72px 36px 80px; }
  .loan-types-section .section-sub { white-space: normal; }
  .loan-types-grid { flex-wrap: wrap; gap: 14px; justify-content: center; }
  .lt-card { flex: 0 0 calc(33.333% - 12px); max-width: calc(33.333% - 12px); padding: 36px 20px 30px; gap: 16px; }
  .lt-icon, .lt-icon svg { width: 68px; height: 68px; }
  .lt-label { font-size: 0.94rem; white-space: normal; text-align: center; }
}

/* ── Tablet portrait (iPad mini/Air portrait): 601px – 900px ── */
@media (max-width: 900px) and (min-width: 601px) {
  .loan-types-section { padding: 64px 28px 72px; }
  .loan-types-section .section-sub { white-space: normal; }
  .loan-types-grid { flex-wrap: wrap; gap: 12px; justify-content: center; }
  .lt-card { flex: 0 0 calc(33.333% - 10px); max-width: calc(33.333% - 10px); padding: 30px 16px 26px; gap: 14px; }
  .lt-icon, .lt-icon svg { width: 60px; height: 60px; }
  .lt-label { font-size: 0.9rem; white-space: normal; text-align: center; }
}

/* ── Mobile ── */
@media (max-width: 600px) {
  .loan-types-section { padding: 48px 14px 56px; }
  .loan-types-section .section-sub { white-space: normal; font-size: 0.88rem; }
  .loan-types-grid { flex-wrap: wrap; gap: 10px; justify-content: center; }
  .lt-card { flex: 0 0 calc(50% - 7px); max-width: calc(50% - 7px); padding: 26px 12px 22px; gap: 12px; }
  .lt-icon, .lt-icon svg { width: 52px; height: 52px; }
  .lt-label { font-size: 0.84rem; white-space: normal; text-align: center; }
}

/* ─── SECTION WRAPPER ─── */
.section-wrap { max-width: 1280px; margin: 0 auto; }

/* ─── DIVIDER ─── */
.tribal-divider { display: none; }

/* ─── HOW IT WORKS ─── */
.how-section {
  background: var(--sand);
  padding: 80px 80px 100px;
  display: flex; flex-direction: column; align-items: center;
  gap: 56px;
  position: relative; overflow: hidden;
}
.how-header {
  text-align: center; width: 100%; max-width: 900px;
  position: relative; z-index: 1;
}
.how-header .section-title {
  margin-bottom: 10px;
  white-space: nowrap;
}
.how-header .section-sub {
  margin-bottom: 0;
  white-space: nowrap;
}
.how-body {
  display: grid; grid-template-columns: 480px 1fr;
  gap: 56px; align-items: center;
  max-width: 1000px; width: 100%;
  position: relative; z-index: 1;
}

/* Background dollar notes */
.how-note {
  position: absolute; z-index: 0; pointer-events: none;
}
.how-note-1 { top: 32px; right: 32px; width: 190px; transform: rotate(-8deg); opacity: 0.9; }
.how-note-2 { bottom: 32px; left: 24px; width: 150px; transform: rotate(6deg); opacity: 0.9; }

.how-section::before {
  content: '';
  position: absolute; bottom: -60px; right: -60px;
  width: 360px; height: 360px; border-radius: 50%;
  background: radial-gradient(circle, rgba(232,160,32,0.08) 0%, transparent 70%);
  pointer-events: none;
}

/* Image column */
.how-img-wrap {
  position: relative;
}
.how-img {
  width: 100%; height: 540px;
  object-fit: cover;
  border-radius: 28px;
  display: block;
  box-shadow: 0 20px 60px rgba(30,20,10,0.14);
}
.how-img-badge {
  position: absolute; bottom: 28px; left: 28px;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,0.7);
  border-radius: 16px;
  padding: 12px 18px;
  display: flex; align-items: center; gap: 10px;
  box-shadow: 0 4px 20px rgba(30,20,10,0.10);
}
.how-img-badge svg { width: 22px; height: 22px; flex-shrink: 0; }
.how-badge-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem; font-weight: 800;
  color: var(--text-dark); line-height: 1;
}
.how-badge-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem; font-weight: 500;
  color: var(--text-light); margin-top: 2px;
}

/* Right column */
.how-right {
  display: flex; flex-direction: column; gap: 0;
}

/* Steps list */
.steps-list {
  display: flex; flex-direction: column; gap: 18px;
}
.step-card {
  background: #fff;
  border-radius: 16px;
  padding: 20px 22px;
  box-shadow: 0 6px 28px rgba(30,20,10,0.10), 0 2px 6px rgba(30,20,10,0.06);
  border: 1px solid #f0ece4;
  display: flex; align-items: flex-start; gap: 16px;
  transition: transform 0.2s, box-shadow 0.2s;
  max-width: 420px;
}
.step-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 40px rgba(30,20,10,0.14);
}
.step-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 3.8rem; font-weight: 600;
  color: var(--amber-dark);
  line-height: 1; flex-shrink: 0;
  width: 68px; text-align: left;
  padding-top: 0;
  align-self: stretch; display: flex; align-items: center;
}
.step-card:nth-child(2) {
  margin-left: 48px;
}
.step-text { display: flex; flex-direction: column; gap: 5px; min-width: 0; }
.step-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.18rem; font-weight: 600;
  color: var(--text-dark); margin: 0;
}
.step-card p {
  font-size: 0.95rem; color: var(--text-light);
  line-height: 1.7; margin: 0;
  white-space: normal; word-break: normal;
}

.section-label {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.15em;
  text-transform: uppercase; color: var(--amber-dark);
  margin-bottom: 14px;
}

.section-label::before, .section-label::after {
  content: ''; flex: 1; height: 1px; width: 40px;
  background: var(--amber); opacity: 0.5;
}

.section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.6rem; font-weight: 800;
  line-height: 1.15; color: var(--text-dark);
  margin-bottom: 12px;
}

.section-sub { font-size: 1rem; color: var(--text-light); max-width: 520px; margin: 0 auto 60px; }

/* old step-card/grid removed — replaced by step-row layout */

/* ─── TRUST / VISUAL ─── */
.trust-section {
  background: var(--sand);
  padding: 100px 80px;
  display: flex; justify-content: center;
  position: relative; overflow: hidden;
}
.trust-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
  max-width: 1100px; width: 100%;
}

.trust-section::before {
  content: '';
  position: absolute; top: -80px; left: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232,160,32,0.12) 0%, transparent 65%);
}

.trust-eyebrow { margin-bottom: 14px; }

.trust-left h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 3rem; font-weight: 600;
  line-height: 1.12; margin-bottom: 20px;
}

.trust-left p {
  font-size: 0.97rem; color: var(--text-mid);
  line-height: 1.75; margin-bottom: 36px; max-width: 440px;
}

.trust-btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 36px; background: var(--amber-dark);
  color: var(--white); border-radius: 50px; border: none;
  font-weight: 700; font-size: 0.97rem; cursor: pointer;
  font-family: 'DM Sans', sans-serif; text-decoration: none;
  box-shadow: 0 6px 24px rgba(192,120,16,0.30);
  transition: background 0.25s, transform 0.25s, box-shadow 0.25s;
}

.trust-btn:hover {
  background: var(--forest);
  transform: scale(1.06);
  box-shadow: 0 12px 36px rgba(30,61,47,0.35);
}
.trust-btn svg { width: 16px; height: 16px; transition: transform 0.25s; }
.trust-btn:hover svg { transform: translateX(4px); }

/* Features pills */
.feature-pills {
  display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 32px;
}

.pill {
  display: flex; align-items: center; gap: 8px;
  padding: 8px 16px; background: var(--white);
  border-radius: 50px; font-size: 0.8rem; font-weight: 700;
  color: var(--text-mid); box-shadow: 0 2px 8px var(--shadow-dark);
  border: 1px solid var(--border);
}

.pill .pill-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--forest-light); flex-shrink: 0; }

/* Phone mockup enhanced */
.phone-wrap { position: relative; display: flex; justify-content: center; }

.phone-frame {
  width: 360px; background: #1a1208; border-radius: 32px;
  padding: 5px;
  box-shadow: 0 30px 80px rgba(26,18,8,0.35), inset 0 1px 0 rgba(255,255,255,0.08);
  position: relative; z-index: 2;
}

.phone-inner {
  background: var(--cream); border-radius: 28px; overflow: hidden;
  min-height: 660px; position: relative;
}

.phone-top-bar {
  background: var(--forest); padding: 14px 16px 12px;
  display: flex; align-items: center; justify-content: center;
}

.pb-logo {
  height: 28px; width: auto; object-fit: contain; display: block;
}

.phone-progress {
  display: flex; align-items: center; justify-content: center;
  gap: 0; padding: 16px 20px 10px;
}

.pp-step {
  display: flex; flex-direction: column; align-items: center; gap: 5px;
  font-size: 0.55rem; color: var(--text-light); font-weight: 700; text-align: center;
  width: 60px;
}

.pp-dot {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--amber); display: flex; align-items: center; justify-content: center;
}

.pp-dot svg { width: 14px; height: 14px; }
.pp-line { flex: 1; height: 2px; background: var(--amber); margin-bottom: 14px; }

.phone-approved-bar {
  margin: 0 12px 10px; padding: 10px;
  background: linear-gradient(135deg, var(--forest), var(--forest-mid));
  border-radius: 12px; text-align: center;
  color: var(--white); font-weight: 800; font-size: 0.85rem;
}

.phone-offer-card {
  margin: 0 12px 10px; padding: 14px;
  background: var(--white); border-radius: 12px;
  box-shadow: 0 2px 10px var(--shadow-dark);
}

.phone-offer-card .poc-row { display: flex; justify-content: space-between; margin-bottom: 6px; }
.phone-offer-card .poc-label { font-size: 0.65rem; color: var(--text-light); font-weight: 500; }
.phone-offer-card .poc-val { font-size: 0.75rem; font-weight: 800; color: var(--text-dark); }
.phone-offer-card .poc-val.highlight { color: var(--forest); font-size: 0.9rem; }
.phone-offer-link { font-size: 0.65rem; font-weight: 700; color: var(--amber-dark); text-align: right; display: block; margin-top: 8px; cursor: pointer; }

.phone-support-card {
  margin: 0 12px; padding: 12px;
  background: var(--cream); border-radius: 12px;
  display: flex; align-items: center; gap: 10px;
  border: 1px solid var(--border);
}

.psc-icon {
  width: 32px; height: 32px; border-radius: 50%; background: rgba(232,160,32,0.15);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}

.psc-icon svg { width: 16px; height: 16px; }
.phone-support-card p { font-size: 0.65rem; color: var(--text-mid); font-weight: 600; line-height: 1.4; }

/* Phone badges */
.trust-num-badge {
  position: absolute; left: -8px; top: 50%;
  background: var(--white); border-radius: 18px; padding: 16px 20px;
  box-shadow: 0 8px 32px var(--shadow-dark); border: 1px solid var(--border); z-index: 5;
  max-width: 175px; animation: floatY 5s ease-in-out infinite;
}

.tnb-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem; font-weight: 900; color: var(--text-dark); line-height: 1;
}

.tnb-sub { font-size: 0.7rem; color: var(--text-light); line-height: 1.4; margin: 4px 0 8px; }

.secure-badge {
  position: absolute; bottom: 120px; right: -4px; left: auto;
  background: #f5e27a; border-radius: 50px; padding: 10px 20px;
  display: flex; align-items: center; gap: 10px;
  box-shadow: 0 4px 18px rgba(180,150,0,0.2);
  border: 1px solid rgba(180,150,0,0.2); z-index: 6;
  animation: floatY 7s ease-in-out -3s infinite;
}

.sb-icon {
  width: 34px; height: 34px; background: var(--text-dark); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}

.sb-icon svg { width: 16px; height: 16px; }
.secure-badge span { font-weight: 800; font-size: 0.87rem; color: #5a4200; }

/* ─── TABLE SECTION ─── */
.table-section {
  padding: 100px 80px;
  background:
    radial-gradient(ellipse 680px 520px at 50% 52%, rgba(255,252,245,0.95) 0%, transparent 75%),
    linear-gradient(160deg, #ffffff 0%, #fdf6ec 55%, #f5efe2 100%);
  text-align: center;
}

.table-intro {
  max-width: 760px; margin: 0 auto 28px;
  font-size: 0.95rem; color: var(--text-mid); line-height: 1.75; text-align: left;
}

.table-bullets {
  max-width: 760px; margin: 0 auto 36px;
  text-align: left; padding-left: 20px;
  display: flex; flex-direction: column; gap: 8px;
  list-style: disc;
}
.table-bullets li {
  font-size: 0.92rem; color: var(--text-mid); line-height: 1.6;
}
.table-bullets li strong { color: var(--text-dark); }

.table-section .section-title {
  font-size: clamp(1.6rem, 4vw, 2.6rem);
  margin-bottom: 24px;
}

.table-sub-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.13em;
  text-transform: uppercase; color: var(--amber-dark);
  margin-bottom: 16px;
}

.loan-table-wrap {
  max-width: 900px; margin: 0 auto;
  border-radius: 22px; overflow: hidden;
  box-shadow: 0 8px 48px var(--shadow-dark);
  border: 1px solid var(--border);
}

.loan-table { width: 100%; border-collapse: collapse; background: var(--white); }

.loan-table thead tr { background: var(--forest); }
.loan-table thead th {
  padding: 16px 20px; font-size: 0.82rem; font-weight: 700;
  color: rgba(255,255,255,0.92); text-align: center;
  font-family: 'Montserrat', sans-serif; letter-spacing: 0.04em;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.loan-table thead th:last-child { border-right: none; }

.loan-table tbody td {
  padding: 16px 20px; font-size: 0.9rem;
  text-align: center; border-bottom: 1px solid #ede0ca;
  color: var(--text-dark); transition: background 0.15s;
}

.loan-table tbody tr:hover td { background: rgba(232,160,32,0.06); }
.loan-table tbody tr:nth-child(even) td { background: var(--cream); }
.loan-table tbody tr:nth-child(even):hover td { background: rgba(232,160,32,0.08); }
.loan-table tbody tr:last-child td { border-bottom: none; }

.loan-table tbody td:first-child {
  font-weight: 700; color: var(--forest); text-align: left;
}

.table-footnote {
  max-width: 760px; margin: 20px auto 0;
  font-size: 0.8rem; color: var(--text-light); line-height: 1.65; text-align: left;
}

/* ─── FAQ ─── */
.faq-section {
  background: #fdf8f0;
  padding: 100px 80px;
  display: flex; justify-content: center;
}
.faq-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 56px; align-items: start;
  max-width: 1100px; width: 100%;
}

.faq-left h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.8rem; font-weight: 600; line-height: 1.15; margin-bottom: 16px;
}

.faq-left p {
  font-size: 1rem; color: var(--text-mid); line-height: 1.8;
  max-width: 340px; margin-bottom: 32px;
}

.faq-left-cta {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--amber-dark); color: #fff;
  padding: 14px 28px; border-radius: 50px;
  font-family: 'Montserrat', sans-serif; font-size: 0.88rem; font-weight: 700;
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(192,120,16,0.28);
  transition: background 0.25s, transform 0.25s, box-shadow 0.25s;
}
.faq-left-cta:hover {
  background: var(--forest);
  transform: scale(1.05);
  box-shadow: 0 10px 28px rgba(30,61,47,0.28);
}
.faq-left-cta svg { width: 15px; height: 15px; transition: transform 0.2s; }
.faq-left-cta:hover svg { transform: translateX(4px); }

.faq-left-stats {
  display: flex; flex-direction: column; gap: 16px;
  margin-top: 36px; padding-top: 32px;
  border-top: 1px solid var(--border);
}
.faq-stat-item { display: flex; align-items: center; gap: 14px; }
.faq-stat-icon {
  width: 40px; height: 40px; border-radius: 12px;
  background: rgba(232,160,32,0.12);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.faq-stat-icon svg { width: 18px; height: 18px; }
.faq-stat-text strong {
  display: block; font-family: 'Montserrat', sans-serif;
  font-size: 0.92rem; font-weight: 700; color: var(--text-dark);
}
.faq-stat-text span { font-size: 0.8rem; color: var(--text-light); }

.faq-item {
  border: 1px solid var(--border); border-radius: 14px;
  overflow: hidden; margin-bottom: 12px;
  background: var(--white);
  box-shadow: 0 2px 10px var(--shadow-dark);
  transition: box-shadow 0.2s;
}

.faq-item.open { box-shadow: 0 6px 24px var(--shadow-warm); }

.faq-q {
  padding: 18px 22px; font-weight: 700; font-size: 0.93rem;
  display: flex; justify-content: space-between; align-items: center;
  cursor: pointer; user-select: none; transition: background 0.2s;
  color: var(--text-dark);
}

.faq-q:hover { background: var(--cream); }

.faq-icon {
  width: 26px; height: 26px; border-radius: 50%;
  background: rgba(232,160,32,0.12); color: var(--amber-dark);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 900; flex-shrink: 0;
  transition: transform 0.3s, background 0.2s;
}

.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--amber); color: var(--white); }

.faq-a {
  padding: 0 22px; font-size: 0.87rem; color: var(--text-light);
  line-height: 1.75; max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s;
}

.faq-item.open .faq-a { max-height: 400px; padding: 0 22px 18px; }

.faq-list {
  padding-left: 18px; margin: 0;
  display: flex; flex-direction: column; gap: 6px;
  list-style: disc;
}
.faq-list li { font-size: 0.87rem; color: var(--text-light); line-height: 1.65; }

/* ─── CTA SPLIT ─── */
.cta-split {
  display: grid; grid-template-columns: 1fr 1fr;
  max-width: 1000px; margin: 0 auto 100px;
  border-radius: 28px; overflow: hidden;
  box-shadow: 0 20px 80px var(--shadow-warm);
  background: linear-gradient(145deg, var(--forest) 0%, #162e22 100%);
}

.cta-left {
  background: transparent;
  padding: 60px 52px; color: var(--white); position: relative; overflow: hidden;
}

.cta-left::before {
  content: '';
  position: absolute; top: -40px; right: -40px;
  width: 200px; height: 200px; border-radius: 50%;
  border: 2px solid rgba(232,160,32,0.2);
}

.cta-left::after {
  content: '';
  position: absolute; bottom: -30px; left: -30px;
  width: 140px; height: 140px; border-radius: 50%;
  border: 2px solid rgba(232,160,32,0.12);
}

.cta-left-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--amber); margin-bottom: 18px;
}

.cta-left h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.6rem; font-weight: 900; line-height: 1.1; margin-bottom: 16px;
}

.cta-left p { font-size: 0.92rem; opacity: 0.75; line-height: 1.65; margin-bottom: 32px; }

.cta-left .cta-btn {
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  box-shadow: 0 6px 24px rgba(232,160,32,0.40);
  color: var(--text-dark); font-weight: 800;
  width: auto; padding: 15px 36px; border-radius: 50px;
}

.cta-left .cta-btn:hover { box-shadow: 0 10px 32px rgba(232,160,32,0.55); }

.cta-right {
  background: transparent; position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  padding: 40px 32px;
}
.cta-right::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 22px 22px;
  pointer-events: none;
}
.cta-right::after {
  content: '';
  position: absolute; top: -40px; right: -40px;
  width: 200px; height: 200px; border-radius: 50%;
  border: 2px solid rgba(232,160,32,0.2);
  pointer-events: none;
}
.cta-right-ring {
  position: absolute; bottom: -30px; left: -30px;
  width: 140px; height: 140px; border-radius: 50%;
  border: 2px solid rgba(232,160,32,0.12);
  pointer-events: none;
}

/* Mini loan card */
.cta-mini-card {
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 16px 56px rgba(30,20,10,0.13), 0 2px 8px rgba(30,20,10,0.06);
  overflow: hidden; width: 100%; max-width: 340px;
  position: relative; z-index: 1;
}
.cta-mini-header {
  background: var(--sand);
  padding: 18px 24px;
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
}
.cta-mini-logo { height: 32px; width: auto; object-fit: contain; display: block; }
.cta-mini-body {
  padding: 24px 24px 20px;
  display: flex; flex-direction: column; gap: 14px;
}
.cta-mini-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem; font-weight: 700;
  color: var(--text-dark); margin: 0; text-align: center;
}
.cta-mini-amount-wrap {
  display: flex; align-items: center; justify-content: center;
  gap: 4px; background: var(--sand); border-radius: 12px;
  padding: 12px 16px;
  text-align: center;
}
.cta-mini-currency {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.4rem; font-weight: 700; color: var(--text-dark);
}
.cta-mini-input {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem; font-weight: 600; color: var(--forest);
  background: transparent; border: none; outline: none;
  width: auto; min-width: 0; flex: 1; text-align: center;
}
.cta-mini-input::placeholder {
  color: #b8a898; font-weight: 400; font-size: 1rem; text-align: center;
}
.cta-mini-btn {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--amber-dark); color: #fff;
  padding: 14px 20px; border-radius: 50px;
  font-family: 'Montserrat', sans-serif; font-size: 0.88rem; font-weight: 700;
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(192,120,16,0.28);
  transition: background 0.25s, transform 0.22s;
}
.cta-mini-btn:hover { background: var(--forest); transform: scale(1.04); }
.cta-mini-btn svg { width: 14px; height: 14px; }
.cta-mini-note {
  display: flex; align-items: center; justify-content: center; gap: 6px;
  font-size: 0.72rem; color: var(--text-light); margin: 0; text-align: center;
}
.cta-mini-note svg { width: 13px; height: 13px; flex-shrink: 0; }

/* ─── FOOTER ─── */
footer {
  background: var(--forest);
  color: rgba(255,255,255,0.75);
  padding: 52px 48px 32px;
}

.footer-main {
  max-width: 900px; margin: 0 auto;
  display: flex; flex-direction: column; align-items: center; gap: 28px;
  text-align: center;
}

.footer-logo-link { display: flex; justify-content: center; }
.footer-logo-img { height: 40px; width: auto; display: block; object-fit: contain; filter: brightness(0) invert(1); }

.footer-nav {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 24px;
}
.footer-nav a {
  font-size: 0.84rem; color: rgba(255,255,255,0.6);
  text-decoration: none; transition: color 0.2s;
}
.footer-nav a:hover { color: var(--amber); }

.footer-disclaimer {
  font-size: 0.75rem; color: rgba(255,255,255,0.4);
  line-height: 1.75; max-width: 780px;
}
.footer-disclaimer strong { color: rgba(255,255,255,0.6); }

.footer-bottom {
  width: 100%; padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.73rem; color: rgba(255,255,255,0.3);
  text-align: center;
}

/* ─── Legacy mobile nav removed ───
   Header now uses .nav-drawer across all breakpoints.
   Keep old class hidden in case any stale HTML remains. */
.mobile-nav,
.mobile-nav.open {
  display: none !important;
}

/* ─── HELP ─── */
.help-btn {
  position: fixed; bottom: 28px; right: 28px;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: 50px; padding: 11px 20px;
  display: flex; align-items: center; gap: 8px;
  font-size: 0.84rem; font-weight: 700; color: var(--text-dark);
  cursor: pointer; box-shadow: 0 6px 28px var(--shadow-dark);
  z-index: 300; font-family: 'DM Sans', sans-serif;
  transition: box-shadow 0.2s, transform 0.2s;
}

.help-btn:hover { box-shadow: 0 10px 40px var(--shadow-warm); transform: translateY(-1px); }

.help-dot {
  width: 22px; height: 22px; background: var(--forest); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 0.72rem; font-weight: 900;
}

/* ─── Responsive ─── */

/* ── Laptop / small desktop: 1025px – 1280px ── */
@media (max-width: 1280px) {
  header { padding: 0; }

  .hero { padding: 44px 24px 48px; }
  .hero-center { max-width: 500px; }
  .hero-center h1 { font-size: clamp(1.6rem, 2.6vw, 2.2rem); }

  .stats-strip { padding: 32px 24px; gap: 16px; }
  .stat-item { padding: 22px 16px; }
  .stat-num { font-size: 1.8rem; }

  .how-section { padding: 64px 52px 80px; gap: 44px; }
  .how-body { gap: 40px; }

  .trust-section { padding: 72px 52px; }
  .trust-inner { gap: 36px; }
  .trust-left h2 { font-size: 2.4rem; }

  .table-section { padding: 72px 52px; }

  .faq-section { padding: 72px 52px; }
  .faq-inner { gap: 40px; }
  .faq-left h2 { font-size: 2.2rem; }

  .cta-split { max-width: 880px; }
  .cta-left { padding: 48px 44px; }
  .cta-left h2 { font-size: 2.2rem; }

  footer { padding: 56px 52px 36px; }
  .footer-main { gap: 22px; }
}

/* ── Tablet landscape / small laptop: ≤1024px ── */
@media (max-width: 1024px) {
  header { padding: 0; }

  .hero { padding: 44px 32px 52px; }
  .hero-center { max-width: 480px; }
  .hf-card { display: none; }

  .stats-strip { grid-template-columns: repeat(2,1fr); padding: 28px 24px; gap: 14px; }
  .stat-item { padding: 22px 16px; }

  .how-section { padding: 56px 32px 72px; gap: 40px; }
  .how-body { grid-template-columns: 1fr; gap: 40px; max-width: 100%; }
  .step-card { max-width: 100%; }
  .step-card:nth-child(2) { margin-left: 0; }
  .how-img { height: 380px; }
  .how-header { max-width: 100%; }
  .how-header .section-title { white-space: normal; }
  .how-header .section-sub { white-space: normal; }

  .trust-section { padding: 64px 40px; }
  .trust-inner { grid-template-columns: 1fr; gap: 40px; }
  .trust-left { text-align: center; }
  .trust-left p { max-width: 100%; }
  .trust-eyebrow, .feature-pills { justify-content: center; }
  .phone-wrap { justify-content: center !important; padding: 0 !important; }
  .trust-num-badge { left: auto; right: -8px; top: 42%; }
  .secure-badge { right: -4px; left: auto; bottom: 24px; }

  .table-section { padding: 72px 40px; }
  .loan-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .loan-table { min-width: 600px; }

  .faq-section { padding: 72px 40px; }
  .faq-inner { grid-template-columns: 1fr; gap: 36px; }
  .faq-left { text-align: center; }
  .faq-left p { max-width: 100%; }
  .faq-left-cta { margin: 0 auto; }
  .faq-left-stats { display: none; }

  .cta-split { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto 72px; }
  .cta-right { display: none; }
  .cta-left { padding: 48px 40px; text-align: center; }
  .cta-left .cta-btn { margin: 0 auto; }

  footer { padding: 52px 40px 32px; }
  .footer-nav { gap: 6px 16px; }
  .footer-bottom { flex-direction: column; gap: 20px; }
  .footer-disclaimer { text-align: left; max-width: 100%; }
}

/* ── Tablet portrait: ≤768px ── */
@media (max-width: 768px) {
  header { padding: 0; height: 62px; }

  .hero { padding: 36px 20px 44px; }
  .hero-center h1 { font-size: clamp(1.5rem, 5vw, 2rem); white-space: normal; }
  .hero-sub-br { display: inline; }

  .stats-strip { padding: 24px 16px; gap: 12px; }
  .stat-item { padding: 20px 14px; }
  .stat-num { font-size: 1.7rem; }

  .how-section { padding: 48px 20px 64px; }
  .how-img { height: 300px; }
  .section-title { font-size: 2.1rem; }

  .trust-section { padding: 56px 20px; }
  .trust-inner { gap: 28px; }
  .trust-left h2 { font-size: 1.9rem; }
  .trust-num-badge { display: none; }
  .secure-badge { left: 50%; transform: translateX(-50%); bottom: 16px; right: auto; }

  .table-section { padding: 60px 24px; }

  .faq-section { padding: 60px 24px; }
  .faq-inner { gap: 28px; }
  .faq-left h2 { font-size: 2rem; }

  .cta-split { max-width: calc(100% - 48px); margin: 0 auto 60px; }
  .cta-left { padding: 40px 32px; }
  .cta-left h2 { font-size: 2rem; }

  footer { padding: 30px 14px 20px; }
  .footer-main {
    align-items: center;
    text-align: center;
    gap: 12px;
  }
  .footer-logo-link { justify-content: center; }
  .footer-logo-img { height: 30px; }
  .footer-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 6px 8px;
    width: auto;
  }
  .footer-nav a {
    display: inline;
    padding: 0;
    border-radius: 0;
    background: none;
    border: none;
    font-size: 0.76rem;
    line-height: 1.35;
    color: rgba(255,255,255,0.72);
  }
  .footer-nav a:hover { color: #fff; }
  .footer-disclaimer {
    font-size: 0.67rem;
    line-height: 1.5;
    text-align: center;
  }
  .footer-bottom {
    padding-top: 12px;
    text-align: center;
    font-size: 0.66rem;
  }
}

/* ── Mobile: ≤640px ── */
@media (max-width: 640px) {
  header { padding: 0; height: 58px; }

  .hero { padding: 28px 14px 36px; }
  .hero-leaf-1 { display: none; }
  .how-note-1 { display: none; }
  .hero-center h1 { font-size: clamp(1.4rem, 7vw, 1.8rem); white-space: normal; }
  .hero-sub { font-size: 0.93rem; }
  .hf-card { display: none; }
  .fc-header { padding: 16px 18px 14px; gap: 8px; }
  .fc-amount-display { align-items: center; }
  .fc-currency { font-size: 1rem; line-height: 1; align-self: center; }
  .fc-amount-input { font-size: 1.2rem; align-self: center; }
  .fc-amount-input::placeholder { font-size: 0.95rem; }
  .fc-header-sub { display: none; }
  .fc-slider-wrap { padding: 14px 18px 2px; }
  .fc-chips-wrap { padding: 12px 18px 0; flex-wrap: wrap; gap: 6px; }
  .fc-chip { flex: 0 0 calc(33.333% - 4px); padding: 10px 4px; font-size: 0.88rem; min-width: 0; box-sizing: border-box; }
  .fc-chip-mobile-only { display: flex; justify-content: center; align-items: center; }
  .fc-cta-wrap { padding: 12px 18px 16px; }
  .form-fine-block { padding: 8px 18px 10px; }
  .fc-trust-dot { display: none; }
  .fc-trust-hide-mobile { display: none; }

  .stats-strip { grid-template-columns: 1fr 1fr; padding: 20px 14px; gap: 10px; }
  .stat-item { padding: 18px 12px; gap: 7px; }
  .stat-num { font-size: 1.5rem; }
  .stat-icon { width: 36px; height: 36px; border-radius: 10px; }
  .stat-icon svg { width: 17px; height: 17px; }

  .how-section { padding: 48px 16px; }
  .how-img { height: 240px; border-radius: 20px; }
  .how-img-badge { bottom: 16px; left: 16px; padding: 10px 14px; }
  .step-num { font-size: 3rem; width: 56px; }
  .step-card h3 { font-size: 0.9rem; }
  .how-header .section-title { font-size: 1.7rem; }

  .trust-section { padding: 48px 16px; }
  .trust-left h2 { font-size: 1.7rem; }
  .phone-frame { width: 290px; }
  .phone-inner { min-height: 520px; }
  .secure-badge { position: absolute; left: 50%; transform: translateX(-50%); bottom: 16px; right: auto; display: flex; }

  .table-section { padding: 52px 16px; }
  .loan-table tbody td, .loan-table thead th { padding: 12px 10px; font-size: 0.78rem; }
  .table-intro, .table-bullets, .table-footnote { font-size: 0.82rem; }
  .loan-table { min-width: 520px; }

  .faq-section { padding: 52px 16px; }
  .faq-left h2 { font-size: 1.8rem; }

  .cta-split { margin: 0 16px 52px; border-radius: 20px; }
  .cta-left { padding: 36px 24px; }
  .cta-left h2 { font-size: 1.8rem; }

  footer { padding: 24px 12px 16px; }
  .footer-main { gap: 10px; }
  .footer-logo-img { height: 27px; }
  .footer-nav {
    justify-content: center;
    gap: 4px 10px;
  }
  .footer-nav a {
    font-size: 0.72rem;
    padding: 0;
  }
  .footer-disclaimer {
    font-size: 0.64rem;
    line-height: 1.45;
  }
  .footer-bottom { gap: 10px; font-size: 0.62rem; }

  .help-btn { bottom: 16px; right: 16px; padding: 9px 16px; font-size: 0.8rem; }
}

/* ── Disclosures Modal ── */
.disc-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 9999;
  background: rgba(10, 20, 15, 0.55);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  align-items: center; justify-content: center;
  padding: 20px;
}
.disc-overlay.open { display: flex; }

.disc-modal {
  background: #fff;
  border-radius: 18px;
  width: 100%; max-width: 680px;
  max-height: 88vh;
  display: flex; flex-direction: column;
  box-shadow: 0 24px 80px rgba(0,0,0,0.22);
  animation: discSlideUp 0.28s cubic-bezier(0.34,1.2,0.64,1) both;
}
@keyframes discSlideUp {
  from { opacity: 0; transform: translateY(28px) scale(0.97); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}

.disc-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 28px 18px;
  border-bottom: 1px solid #f0ece4;
  flex-shrink: 0;
}
.disc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem; font-weight: 800;
  color: var(--text-dark); margin: 0;
  letter-spacing: -0.01em;
}
.disc-close {
  background: #f5f1eb; border: none; border-radius: 50%;
  width: 32px; height: 32px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: var(--text-mid);
  cursor: pointer; transition: background 0.15s, color 0.15s;
  line-height: 1; padding: 0;
}
.disc-close:hover { background: #e8e0d0; color: var(--text-dark); }

.disc-body {
  overflow-y: auto; padding: 24px 28px 28px;
  display: flex; flex-direction: column; gap: 24px;
}
.disc-body::-webkit-scrollbar { width: 5px; }
.disc-body::-webkit-scrollbar-track { background: transparent; }
.disc-body::-webkit-scrollbar-thumb { background: #ddd5c8; border-radius: 10px; }

.disc-section {
  display: flex; flex-direction: column; gap: 12px;
}
.disc-section h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--forest);
  margin: 0;
  padding-bottom: 8px;
  border-bottom: 1.5px solid #e8f0eb;
}
.disc-section > p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.84rem; line-height: 1.7;
  color: var(--text-mid); margin: 0;
}

.disc-item {
  background: #faf8f4;
  border: 1px solid #f0ece4;
  border-radius: 10px;
  padding: 14px 16px;
  display: flex; flex-direction: column; gap: 6px;
}
.disc-item-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem; font-weight: 700;
  color: var(--text-dark);
}
.disc-item p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.81rem; line-height: 1.65;
  color: var(--text-mid); margin: 0;
}
.disc-note {
  font-size: 0.77rem !important;
  background: #f0f7f3;
  border-left: 3px solid var(--forest);
  padding: 10px 12px !important;
  border-radius: 0 6px 6px 0;
  color: #4a6358 !important;
}

@media (max-width: 640px) {
  .disc-modal { border-radius: 14px; max-height: 92vh; }
  .disc-header { padding: 18px 20px 14px; }
  .disc-body { padding: 18px 20px 24px; gap: 20px; }
  .disc-title { font-size: 1.05rem; }
}

/* ─── EXIT-INTENT OVERLAY ─── */
@keyframes exitSlideUp {
  from { opacity: 0; transform: translateY(32px) scale(0.97); }
  to   { opacity: 1; transform: translateY(0)    scale(1);    }
}
@keyframes exitFadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.exit-overlay {
  position: fixed; inset: 0; z-index: 9999;
  display: flex; align-items: center; justify-content: center;
  padding: 16px;
  background: rgba(26, 18, 8, 0.62);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
}
.exit-overlay.open {
  opacity: 1;
  pointer-events: auto;
  animation: exitFadeIn 0.25s ease forwards;
}
.exit-overlay.open .exit-modal {
  animation: exitSlideUp 0.32s cubic-bezier(0.22, 0.9, 0.36, 1) forwards;
}

.exit-modal {
  position: relative;
  background: var(--cream);
  border-radius: 20px;
  padding: 44px 36px 36px;
  max-width: 440px; width: 100%;
  text-align: center;
  box-shadow: 0 24px 64px rgba(30, 20, 10, 0.22), 0 4px 16px rgba(30, 20, 10, 0.10);
  border: 1px solid var(--sand-dark);
}

.exit-close {
  position: absolute; top: 14px; right: 16px;
  background: none; border: none; cursor: pointer;
  font-size: 1.5rem; line-height: 1;
  color: var(--text-light);
  width: 32px; height: 32px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  transition: background 0.15s, color 0.15s;
}
.exit-close:hover { background: var(--sand); color: var(--text-dark); }

.exit-icon { margin-bottom: 14px; }
.exit-icon svg { width: 56px; height: 56px; }

.exit-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  color: var(--white);
  font-size: 0.65rem; font-weight: 800;
  letter-spacing: 0.14em; text-transform: uppercase;
  padding: 4px 12px; border-radius: 99px;
  margin-bottom: 14px;
}

.exit-title {
  font-size: 1.45rem; font-weight: 800;
  color: var(--text-dark);
  line-height: 1.25;
  margin-bottom: 10px;
}

.exit-body {
  font-size: 0.95rem; color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 18px;
}
.exit-body strong { color: var(--text-dark); }

.exit-trust-row {
  display: flex; align-items: center; justify-content: center;
  gap: 8px; flex-wrap: wrap;
  margin-bottom: 24px;
}
.exit-trust-item {
  display: flex; align-items: center; gap: 4px;
  font-size: 0.76rem; font-weight: 600;
  color: var(--text-mid);
}
.exit-trust-item svg { width: 13px; height: 13px; flex-shrink: 0; }
.exit-trust-dot {
  width: 3px; height: 3px; border-radius: 50%;
  background: var(--sand-dark);
}

.exit-cta {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: 100%;
  background: linear-gradient(135deg, var(--forest-light), var(--forest));
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem; font-weight: 700;
  padding: 16px 24px; border-radius: 12px;
  border: none; cursor: pointer;
  box-shadow: 0 4px 18px rgba(30, 61, 47, 0.30);
  transition: transform 0.15s, box-shadow 0.15s, background 0.15s;
  margin-bottom: 14px;
}
.exit-cta svg { width: 20px; height: 20px; }
.exit-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(30, 61, 47, 0.38);
  background: linear-gradient(135deg, #4a9a6e, var(--forest-mid));
}
.exit-cta:active { transform: translateY(0); }

.exit-dismiss {
  background: none; border: none; cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem; font-weight: 500;
  color: var(--text-light);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color 0.15s;
  padding: 4px 8px;
}
.exit-dismiss:hover { color: var(--text-mid); }

@media (max-width: 480px) {
  .exit-modal { padding: 40px 22px 28px; }
  .exit-title { font-size: 1.2rem; }
  .exit-body  { font-size: 0.88rem; }
  .exit-cta   { font-size: 0.95rem; padding: 15px 20px; }
}