/* ============================================================
   Orrish Loans - Landing styles (premium, light theme)
   ============================================================ */

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

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: var(--lh-body);
  color: var(--ink-700);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink-900); margin: 0; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
ul, ol { margin: 0; padding: 0; list-style: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--sp-5);
}
.container--narrow { max-width: var(--container-narrow); }

.text-gradient {
  background: linear-gradient(120deg, var(--primary) 0%, var(--accent) 45%, var(--gradient-2) 70%, var(--primary) 100%);
  background-size: 220% auto;
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  animation: textShimmer 7s linear infinite;
}
@keyframes textShimmer { to { background-position: 220% center; } }

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--ink-900);
  color: #fff;
  padding: var(--sp-3) var(--sp-4);
  border-radius: var(--r-btn);
  z-index: 1000;
}
.skip-link:focus { left: var(--sp-4); top: var(--sp-4); }

:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

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

/* ---------- Buttons ---------- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--fs-sm);
  line-height: 1;
  padding: 0.85rem 1.3rem;
  border-radius: var(--r-btn);
  border: 1px solid transparent;
  background: var(--ink-900);
  color: #fff;
  cursor: pointer;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur), border-color var(--dur), color var(--dur);
  overflow: hidden;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn__icon { width: 1.15em; height: 1.15em; flex: 0 0 auto; }
.btn--sm { padding: 0.6rem 1rem; }
.btn--lg { padding: 1.05rem 1.7rem; font-size: 1rem; border-radius: var(--r-card); }
.btn--block { width: 100%; }

.btn--primary { background: var(--grad-cta); color: #fff; box-shadow: var(--sh-primary); }
.btn--primary:hover { box-shadow: 0 18px 40px rgba(11, 94, 215, 0.42); }

.btn--warm { background: var(--grad-warm); color: #fff; box-shadow: var(--sh-warm); }
.btn--warm:hover { box-shadow: 0 18px 40px rgba(244, 124, 0, 0.42); }

.btn--ghost { background: transparent; color: var(--ink-700); }
.btn--ghost:hover { background: var(--ink-100); transform: none; }

.btn--outline { background: #fff; color: var(--ink-800); border-color: var(--ink-200); box-shadow: var(--sh-sm); }
.btn--outline:hover { border-color: var(--primary); color: var(--primary-700); }
.btn--outline-light { background: rgba(255,255,255,0.14); color: #fff; border-color: rgba(255,255,255,0.45); box-shadow: none; }
.btn--outline-light:hover { background: rgba(255,255,255,0.24); color: #fff; }

/* Ripple */
.ripple {
  position: absolute;
  border-radius: 50%;
  transform: scale(0);
  background: rgba(255, 255, 255, 0.5);
  animation: ripple var(--dur-slow) var(--ease-out);
  pointer-events: none;
}
@keyframes ripple { to { transform: scale(2.6); opacity: 0; } }

/* ---------- Header / Nav ---------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  height: var(--header-h);
  z-index: 100;
  display: flex;
  align-items: center;
  transition: background var(--dur), box-shadow var(--dur), height var(--dur), backdrop-filter var(--dur);
}
.site-header.is-scrolled {
  height: 64px;
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  box-shadow: var(--sh-sm);
  border-bottom: 1px solid var(--ink-100);
}
.nav { display: flex; align-items: center; gap: var(--sp-5); width: 100%; }
.brand { display: inline-flex; align-items: center; gap: var(--sp-3); font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; color: var(--ink-900); }
.brand__mark {
  width: 38px; height: 38px; border-radius: 11px; flex: 0 0 auto;
  display: grid; place-items: center; color: #fff; font-weight: 800;
  background: var(--grad-brand); box-shadow: var(--sh-primary);
  font-family: var(--font-display); font-size: 1.05rem;
}
.brand__name { letter-spacing: -0.01em; }
.brand__name b { color: var(--primary); font-weight: 700; }
.brand__logo { height: 34px; width: auto; display: block; transition: height var(--dur) var(--ease); }
.site-header.is-scrolled .brand__logo { height: 29px; }
.brand--footer { background: #fff; padding: 10px 14px; border-radius: var(--r-btn); box-shadow: var(--sh-sm); }
.brand__logo--footer { height: 38px; }

.nav__links { display: flex; align-items: center; gap: var(--sp-2); margin-inline: auto; font-weight: 500; font-size: var(--fs-sm); }
.nav__item { position: relative; }
.nav__link {
  position: relative;
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--ink-600); padding: 0.55rem 0.7rem; border-radius: var(--r-btn);
  transition: color var(--dur), background var(--dur);
}
.nav__link::after {
  content: ""; position: absolute; left: 0.7rem; right: 0.7rem; bottom: 0.28rem;
  height: 2px; border-radius: 2px; background: var(--grad-warm);
  transform: scaleX(0); transform-origin: left;
  transition: transform var(--dur) var(--ease);
}
.nav__link:hover::after, .nav__link.is-active::after { transform: scaleX(1); }
.nav__link:hover, .nav__link.is-active { color: var(--primary-700); }
.nav__caret { width: 14px; height: 14px; transition: transform var(--dur); }
.nav__item.is-open .nav__caret { transform: rotate(180deg); }

/* Dropdown */
.nav__dropdown {
  position: absolute; top: calc(100% + 10px); left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card);
  box-shadow: var(--sh-lg); padding: var(--sp-2);
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), visibility var(--dur);
  z-index: 30;
}
.nav__item:hover .nav__dropdown,
.nav__item.is-open .nav__dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav__dropdown a {
  display: flex; flex-direction: column; gap: 2px;
  padding: 0.6rem 0.75rem; border-radius: var(--r-btn); color: var(--ink-700);
  transition: background var(--dur), color var(--dur);
}
.nav__dropdown a:hover { background: var(--primary-050); color: var(--primary-700); }
.nav__dropdown a span { font-size: var(--fs-xs); color: var(--ink-400); }

.nav__cta { display: flex; gap: var(--sp-2); align-items: center; }
.nav__toggle { display: none; flex-direction: column; gap: 5px; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer; align-items: center; justify-content: center; }
.nav__toggle span { width: 24px; height: 2px; background: var(--ink-800); border-radius: 2px; transition: transform var(--dur), opacity var(--dur); }
.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); }

/* ---------- Sections ---------- */
.section { padding-block: var(--sp-9); position: relative; }
.section--tint {
  background:
    radial-gradient(58% 48% at 88% 0%, rgba(50,168,220,0.22), transparent 68%),
    radial-gradient(52% 42% at 0% 100%, rgba(248,138,0,0.20), transparent 68%),
    linear-gradient(180deg, #E7F2FF 0%, var(--bg) 100%);
}
.section--warm {
  background:
    radial-gradient(58% 48% at 12% 0%, rgba(248,138,0,0.24), transparent 68%),
    radial-gradient(52% 42% at 100% 100%, rgba(50,168,220,0.18), transparent 68%),
    linear-gradient(180deg, #FFEEDD 0%, var(--bg) 100%);
}
.section--mesh {
  background:
    radial-gradient(55% 45% at 10% 0%, rgba(11,94,215,0.22), transparent 68%),
    radial-gradient(50% 45% at 100% 100%, rgba(248,138,0,0.20), transparent 68%),
    linear-gradient(180deg, var(--primary-050) 0%, var(--bg) 70%);
}
.section__head { text-align: center; max-width: 720px; margin: 0 auto var(--sp-7); }
.section__head--left { text-align: left; margin-inline: 0; }
.kicker {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--fs-xs);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #fff;
  background: var(--grad-cool);
  border: 1px solid transparent;
  padding: 0.45rem 0.95rem;
  border-radius: var(--r-pill);
  margin-bottom: var(--sp-4);
  box-shadow: var(--sh-primary);
}
.kicker--warm { color: #fff; background: var(--grad-warm); box-shadow: var(--sh-warm); }
.section__title { font-size: var(--fs-h2); font-weight: 800; line-height: var(--lh-tight); letter-spacing: -0.02em; }
.section__title--light { color: #fff; }
.section__lead { font-size: var(--fs-lead); color: var(--ink-500); margin-top: var(--sp-4); }
.section__lead--light { color: rgba(255,255,255,0.78); }

/* Mesh blobs (decorative) */
.mesh { position: absolute; inset: 0; z-index: 0; overflow: hidden; pointer-events: none; }
.blob { position: absolute; border-radius: 50%; filter: blur(64px); opacity: 0.8; animation: float 16s ease-in-out infinite; }
.blob--1 { width: 460px; height: 460px; background: var(--grad-mesh-a); top: -140px; right: -80px; }
.blob--2 { width: 420px; height: 420px; background: var(--grad-mesh-b); top: 160px; left: -120px; animation-delay: -5s; }
.blob--3 { width: 360px; height: 360px; background: var(--grad-mesh-c); bottom: -120px; right: 26%; animation-delay: -9s; }
@keyframes float { 0%,100% { transform: translate(0,0) scale(1); } 33% { transform: translate(22px,-26px) scale(1.06); } 66% { transform: translate(-18px,18px) scale(0.96); } }

/* ---------- Hero (home) ---------- */
.hero {
  position: relative;
  padding-top: calc(var(--header-h) + var(--sp-8));
  padding-bottom: var(--sp-9);
  background: linear-gradient(180deg, #FFFFFF 0%, #FBFDFF 62%, #EEF4FC 100%);
  overflow: hidden;
}
.hero__grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.05fr 0.95fr;
  align-items: center; gap: var(--sp-7);
}
.eyebrow { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 600; font-size: var(--fs-sm); color: var(--primary-700); background: var(--glass-bg); border: 1px solid var(--glass-border); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); padding: 0.45rem 0.9rem; border-radius: var(--r-pill); box-shadow: var(--sh-xs); }
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--success); box-shadow: 0 0 0 4px rgba(22,163,74,0.18); }
.hero__title { font-size: var(--fs-hero); font-weight: 800; line-height: var(--lh-tight); letter-spacing: -0.03em; margin-top: var(--sp-4); color: var(--ink-900); }
.hero__title-tag {
  display: block;
  margin-top: var(--sp-3);
  font-size: clamp(1rem, 0.9rem + 0.5vw, 1.35rem);
  font-weight: 700;
  color: var(--ink-600);
  letter-spacing: -0.01em;
}
.hero__sub { font-size: var(--fs-lead); color: var(--ink-600); margin-top: var(--sp-5); max-width: 48ch; }
.hero__actions { display: flex; flex-direction: column; align-items: flex-start; gap: var(--sp-3); margin-top: var(--sp-6); }

/* ---------- Hero lead-capture form ---------- */
.lead-form { width: 100%; max-width: 460px; }
.lead-form__row { display: flex; align-items: stretch; gap: var(--sp-3); flex-wrap: wrap; }
.lead-input {
  display: flex; align-items: center; flex: 1 1 220px; min-width: 200px;
  background: #fff; border: 1px solid var(--ink-200); border-radius: var(--r-card);
  box-shadow: var(--sh-sm);
  transition: border-color var(--dur), box-shadow var(--dur);
}
.lead-input__prefix {
  display: inline-flex; align-items: center; align-self: stretch;
  padding: 0 0.85rem; font-weight: 600; font-size: var(--fs-sm); color: var(--ink-600);
  border-right: 1px solid var(--ink-200);
}
.lead-input__field {
  flex: 1; min-width: 0; border: 0; background: transparent; outline: none;
  font-family: var(--font-body); font-size: 1rem; color: var(--ink-900);
  padding: 0.95rem 0.9rem;
}
.lead-input__field::placeholder { color: var(--ink-400); }
.lead-input:focus-within { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(11,94,215,0.15); }
.lead-form__submit { flex: 0 0 auto; }
.lead-form.is-invalid .lead-input { border-color: var(--danger); }
.lead-form.is-invalid .lead-input:focus-within { box-shadow: 0 0 0 3px rgba(220,38,38,0.15); }

.lead-form__error {
  display: none; margin-top: var(--sp-2);
  font-size: var(--fs-xs); color: var(--danger); font-weight: 600;
}
.lead-form.is-invalid .lead-form__error { display: block; }

.lead-consent { display: flex; align-items: flex-start; gap: var(--sp-3); margin-top: var(--sp-4); cursor: pointer; }
.lead-consent__box {
  flex: 0 0 auto; width: 18px; height: 18px; margin-top: 2px;
  accent-color: var(--primary); cursor: pointer;
}
.lead-consent__text { flex: 1; min-width: 0; font-size: var(--fs-xs); color: var(--ink-500); line-height: 1.5; text-align: justify; text-justify: inter-word; }
.lead-consent__text strong { color: var(--ink-700); font-weight: 600; }
.lead-consent__text a { color: var(--primary-700); font-weight: 600; text-decoration: underline; }
.lead-consent__text a:hover { color: var(--primary); }

.hero__applink {
  display: inline-flex; align-items: center; gap: var(--sp-2);
  font-size: var(--fs-sm); font-weight: 600; color: var(--ink-600);
  transition: color var(--dur);
}
.hero__applink svg { width: 18px; height: 18px; color: var(--primary); }
.hero__applink:hover { color: var(--primary-700); }
.hero__trust { display: flex; flex-wrap: wrap; gap: var(--sp-5) var(--sp-6); margin-top: var(--sp-7); }
.hero__trust li { display: flex; flex-direction: column; }
.hero__trust strong { display: inline-block; font-family: var(--font-display); font-size: 1.6rem; font-weight: 800; background: var(--grad-vivid); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--primary); }
.hero__trust span { font-size: var(--fs-xs); color: var(--ink-500); text-transform: uppercase; letter-spacing: 0.05em; }

/* Hero visual: app phone mockups */
.hero__phones {
  position: relative; width: 100%; max-width: 500px; min-height: 560px;
  margin-inline: auto; perspective: 1600px;
}
.phone {
  position: absolute; margin: 0;
  filter: drop-shadow(0 34px 58px rgba(9,30,66,0.42));
  transition: transform 0.6s var(--ease);
}
.phone img { display: block; width: 100%; height: auto; }
.phone--front {
  z-index: 2; width: 56%; right: 0; bottom: 0;
  transform: rotate(4deg); animation: floatY 6s var(--ease-out) infinite;
}
.phone--back {
  z-index: 1; width: 52%; left: 0; top: 5%;
  transform: rotate(-6deg);
  animation: floatY 7s var(--ease-out) infinite; animation-delay: -3s;
}
.hero__visual:hover .phone--front { transform: rotate(2deg) translateY(-6px); }
.hero__visual:hover .phone--back { transform: rotate(-4deg) translateY(-6px); }

/* Hero visual: dashboard */
.hero__visual { position: relative; display: flex; justify-content: center; }
.dash {
  position: relative; width: 100%; max-width: 420px;
  background: var(--glass-bg); border: 1px solid var(--glass-border);
  backdrop-filter: blur(var(--glass-blur)); -webkit-backdrop-filter: blur(var(--glass-blur));
  border-radius: var(--r-lg); box-shadow: var(--sh-xl); padding: var(--sp-5);
  animation: floatY 7s var(--ease-out) infinite;
}
.dash__head { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--sp-4); }
.dash__title { font-family: var(--font-display); font-weight: 700; color: var(--ink-900); font-size: 1rem; }
.dash__badge { font-size: var(--fs-xs); font-weight: 600; color: var(--success); background: rgba(22,163,74,0.12); padding: 0.3rem 0.6rem; border-radius: var(--r-pill); }
.dash__amount { font-family: var(--font-display); font-size: 2.1rem; font-weight: 800; color: var(--ink-900); }
.dash__amount-label { font-size: var(--fs-xs); color: var(--ink-500); text-transform: uppercase; letter-spacing: 0.08em; }
.dash__bar { height: 8px; border-radius: var(--r-pill); background: var(--ink-100); margin: var(--sp-4) 0; overflow: hidden; }
.dash__bar span { display: block; height: 100%; width: 72%; border-radius: var(--r-pill); background: var(--grad-brand); }
.dash__chart { display: flex; align-items: flex-end; gap: 6px; height: 90px; margin: var(--sp-4) 0; }
.dash__chart i { flex: 1; border-radius: 6px 6px 0 0; background: linear-gradient(180deg, var(--secondary), var(--accent)); opacity: 0.92; }
.dash__chart i:nth-child(even) { background: linear-gradient(180deg, var(--gradient-2), var(--primary)); }
.dash__steps { display: grid; gap: var(--sp-3); margin-top: var(--sp-4); }
.dash__step { display: flex; align-items: center; gap: var(--sp-3); font-size: var(--fs-sm); color: var(--ink-700); }
.dash__step i { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--primary-050); color: var(--primary-700); flex: 0 0 auto; }
.dash__step.is-done i { background: var(--success); color: #fff; }

.floatcard {
  position: absolute; display: flex; align-items: center; gap: var(--sp-3);
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card);
  padding: var(--sp-3) var(--sp-4); box-shadow: var(--sh-lg);
}
.floatcard strong { display: block; font-size: var(--fs-sm); color: var(--ink-900); }
.floatcard span { font-size: var(--fs-xs); color: var(--ink-500); }
.floatcard__icon { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--success); color: #fff; font-size: 1rem; flex: 0 0 auto; }
.floatcard__icon svg { width: 18px; height: 18px; }
.floatcard__icon--blue { background: var(--primary); }
.floatcard__icon--warm { background: var(--accent); }
.floatcard--a { top: 8%; left: -34px; animation: floatY 6s var(--ease-out) infinite; }
.floatcard--b { bottom: 10%; right: -28px; animation: floatY 6s var(--ease-out) infinite; animation-delay: -3s; }
@keyframes floatY { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }

/* ---------- Hero 3D scene (dependency-free CSS/SVG depth) ---------- */
.hero__visual { perspective: 1300px; }
.scene3d {
  position: relative; width: 100%; max-width: 430px;
  transform-style: preserve-3d;
  transform: rotateY(-11deg) rotateX(6deg);
  transition: transform 0.7s var(--ease);
}
.hero__visual:hover .scene3d { transform: rotateY(-4deg) rotateX(2deg); }
.scene3d .dash { transform-style: preserve-3d; }
.scene3d__layer {
  position: absolute; border-radius: var(--r-lg); pointer-events: none;
}
.scene3d__layer--back {
  inset: 4% -7% auto auto; width: 80%; height: 84%;
  background: var(--grad-cool); opacity: 0.16;
  transform: translateZ(-70px) rotate(6deg); filter: blur(1px);
}
.scene3d__coin {
  position: absolute; z-index: 3; top: -26px; right: 10%;
  width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center;
  color: #fff; background: var(--grad-warm); box-shadow: var(--sh-warm-lg);
  transform: translateZ(80px); animation: floatY 5s var(--ease-out) infinite;
}
.scene3d__coin svg { width: 30px; height: 30px; }

/* ---------- Page hero (sub pages) ---------- */
.pagehero { position: relative; padding-top: calc(var(--header-h) + var(--sp-8)); padding-bottom: var(--sp-8); background: radial-gradient(54% 60% at 90% 6%, rgba(50,168,220,0.28), transparent 62%), radial-gradient(46% 50% at 4% 96%, rgba(248,138,0,0.24), transparent 64%), linear-gradient(165deg, #FFE2C6 0%, #FFF1E4 30%, #DCEFFF 70%, var(--bg) 100%); overflow: hidden; }
.pagehero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--sp-7); align-items: center; }
.pagehero--center .pagehero__grid { grid-template-columns: 1fr; text-align: center; max-width: 820px; margin-inline: auto; }
.pagehero h1 { font-size: clamp(1.75rem, 1.25rem + 2vw, 2.7rem); font-weight: 800; letter-spacing: -0.025em; line-height: var(--lh-tight); margin-top: var(--sp-3); }
.pagehero p { font-size: var(--fs-lead); color: var(--ink-600); margin-top: var(--sp-4); max-width: 56ch; }
.pagehero--center p { margin-inline: auto; }
.pagehero__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-6); }
.pagehero--center .pagehero__actions { justify-content: center; }
.breadcrumb { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: var(--fs-xs); color: var(--ink-500); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.breadcrumb a:hover { color: var(--primary); }

.chips-row { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-6); }
.chip-feature { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: var(--fs-sm); font-weight: 600; color: var(--ink-700); background: #fff; border: 1px solid var(--ink-100); padding: 0.55rem 0.9rem; border-radius: var(--r-pill); box-shadow: var(--sh-xs); }
.chip-feature svg { width: 18px; height: 18px; color: var(--primary); }

/* ---------- Trust / stat strip ---------- */
.statstrip { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-4); }
.statstrip--3 { grid-template-columns: repeat(3, 1fr); }
.statstrip__item { text-align: center; background: var(--glass-bg); border: 1px solid var(--glass-border); backdrop-filter: blur(var(--glass-blur)); -webkit-backdrop-filter: blur(var(--glass-blur)); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-sm); }
.statstrip__num { display: inline-block; font-family: var(--font-display); font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.2rem); font-weight: 800; line-height: 1; background: var(--grad-vivid); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--primary); }
.statstrip__label { font-size: var(--fs-sm); color: var(--ink-500); margin-top: var(--sp-2); display: flex; flex-direction: column; gap: var(--sp-2); line-height: 1.45; }
.statstrip__label-main { font-weight: 600; color: var(--ink-600); }
.statstrip__label-sub { font-size: var(--fs-xs); font-weight: 600; color: var(--primary-700); letter-spacing: 0.01em; }

/* Credibility strip (About page hero) */
.statstrip--cred { align-items: stretch; }
.pagehero .statstrip--cred { grid-template-columns: 1fr; gap: var(--sp-3); }
.statstrip--cred .statstrip__item {
  display: flex;
  align-items: center;
  gap: var(--sp-4);
  text-align: left;
  padding: var(--sp-4) var(--sp-5);
  background: linear-gradient(180deg, rgba(255,255,255,0.96) 0%, rgba(251,253,255,0.92) 100%);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur);
}
.statstrip--cred .statstrip__item:hover {
  transform: translateY(-3px);
  box-shadow: var(--sh-cool-lg);
  border-color: rgba(11,94,215,0.22);
}
.statstrip--cred .statstrip__icon {
  width: 44px;
  height: 44px;
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  border-radius: var(--r-card);
  background: var(--grad-brand);
  color: #fff;
  box-shadow: var(--sh-primary);
}
.statstrip--cred .statstrip__icon svg { width: 22px; height: 22px; }
.statstrip--cred .statstrip__icon--warm { background: var(--grad-warm); box-shadow: var(--sh-warm); }
.statstrip--cred .statstrip__icon--cool { background: var(--grad-cool); }
.statstrip--cred .statstrip__body { flex: 1; min-width: 0; }
.statstrip--cred .statstrip__num {
  font-size: clamp(1.35rem, 1.1rem + 0.6vw, 1.75rem);
  line-height: 1.1;
}
.statstrip--cred .statstrip__label {
  margin-top: var(--sp-1);
  align-items: flex-start;
  text-align: left;
}
.statstrip--cred .statstrip__label-sub { line-height: 1.4; }
@media (max-width: 1024px) and (min-width: 600px) {
  .pagehero .statstrip--cred { grid-template-columns: repeat(3, 1fr); gap: var(--sp-4); }
  .pagehero .statstrip--cred .statstrip__item { flex-direction: column; text-align: center; padding: var(--sp-5); }
  .pagehero .statstrip--cred .statstrip__label { align-items: center; text-align: center; }
}
@media (max-width: 599px) {
  .pagehero .statstrip--cred .statstrip__item { padding: var(--sp-4); gap: var(--sp-3); }
  .pagehero .statstrip--cred .statstrip__icon { width: 40px; height: 40px; }
  .pagehero .statstrip--cred .statstrip__icon svg { width: 20px; height: 20px; }
}
@media (prefers-reduced-motion: reduce) {
  .statstrip--cred .statstrip__item { transition: none; }
  .statstrip--cred .statstrip__item:hover { transform: none; }
}

/* ---------- Generic card grids ---------- */
.grid { display: grid; gap: var(--sp-5); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

/* Equal-height value cards (About — How We Work) */
.grid--cards-balanced {
  align-items: stretch;
  gap: var(--sp-4);
}
.grid--cards-balanced .card {
  display: flex;
  flex-direction: column;
  height: 100%;
  padding: var(--sp-5) var(--sp-5) var(--sp-6);
}
.grid--cards-balanced .card__head {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: var(--sp-3);
  min-height: 4.25rem;
  margin-bottom: var(--sp-3);
  padding-bottom: var(--sp-4);
  border-bottom: 1px solid var(--ink-100);
}
.grid--cards-balanced .card__num {
  flex: 0 0 auto;
  line-height: 1;
  font-size: 1.85rem;
}
.grid--cards-balanced .card__tag {
  flex: 1;
  min-width: 0;
  min-height: 2.25rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  line-height: 1.25;
  white-space: normal;
}
.grid--cards-balanced .card h3 {
  margin-top: 0;
  min-height: 2.8em;
  line-height: 1.35;
}
.grid--cards-balanced .card p {
  flex: 1;
  margin-top: var(--sp-3);
  margin-bottom: 0;
  line-height: 1.6;
}
@media (min-width: 768px) and (max-width: 1199px) {
  .grid--cards-balanced.grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .grid--cards-balanced .card__head { min-height: auto; }
  .grid--cards-balanced .card h3 { min-height: auto; }
  .grid--cards-balanced .card__tag { min-height: auto; }
}

.card {
  position: relative; overflow: hidden; background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%); border: 1px solid var(--ink-100);
  border-radius: var(--r-card); padding: var(--sp-6); box-shadow: var(--sh-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur);
}
.card::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--grad-vivid); opacity: 0.75; transform: scaleY(1); transition: opacity var(--dur), width var(--dur); }
.card:hover { transform: translateY(-6px); box-shadow: var(--sh-cool-lg); border-color: rgba(11,94,215,0.28); }
.card:hover::before { opacity: 1; width: 6px; }
.card__icon { width: 54px; height: 54px; display: grid; place-items: center; border-radius: var(--r-card); background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); margin-bottom: var(--sp-4); }
.card__icon svg { width: 26px; height: 26px; }
.card__icon--warm { background: var(--grad-warm); color: #fff; box-shadow: var(--sh-warm); }
.card__icon--brand { background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); }
.card__num { display: inline-block; font-family: var(--font-display); font-weight: 800; font-size: 1.7rem; letter-spacing: 0.02em; background: var(--grad-vivid); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--primary); }
.card__tag { display: inline-block; font-size: var(--fs-xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: #fff; background: var(--grad-warm); padding: 0.28rem 0.7rem; border-radius: var(--r-pill); box-shadow: var(--sh-warm); }
.card h3 { font-size: var(--fs-h3); font-weight: 700; margin-top: var(--sp-2); }
.card p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }
.card__link { display: inline-flex; align-items: center; gap: 6px; margin-top: var(--sp-4); color: var(--primary-700); font-weight: 600; font-size: var(--fs-sm); }
.card__link svg { width: 16px; height: 16px; transition: transform var(--dur); }
.card:hover .card__link svg { transform: translate(3px,-3px); }

/* Tilt wrapper */
.tilt { transform-style: preserve-3d; will-change: transform; }

/* ---------- Product cards (featured) ---------- */
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }

/* Salary Advance product spotlight */
.product-spotlight {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: var(--sp-6);
  align-items: stretch;
  margin-top: var(--sp-2);
}
.product-spotlight__main {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  height: 100%;
  min-height: 100%;
  background: linear-gradient(145deg, #FFF8F0 0%, #FFFFFF 42%, #F5F9FF 100%);
  border: 1px solid rgba(244, 124, 0, 0.14);
  border-radius: var(--r-lg);
  padding: clamp(var(--sp-5), 2.5vw, var(--sp-7));
  box-shadow: var(--sh-cool-lg);
  overflow: hidden;
}
.product-spotlight__main-glow {
  position: absolute;
  bottom: -40px;
  left: -60px;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(248, 138, 0, 0.2) 0%, transparent 70%);
  filter: blur(36px);
  pointer-events: none;
}
.product-spotlight__main::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 100%;
  height: 5px;
  background: var(--grad-warm);
}
.product-spotlight__head {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  gap: var(--sp-4);
  margin-bottom: 0;
}
.product-spotlight__icon { margin-bottom: 0; flex: 0 0 auto; width: 72px; height: 72px; }
.product-spotlight__icon svg { width: 34px; height: 34px; }
.product-spotlight__title {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem);
  font-weight: 800;
  line-height: 1.15;
  color: var(--ink-900);
}
.product-spotlight__desc {
  position: relative;
  z-index: 1;
  color: var(--ink-600);
  font-size: var(--fs-body);
  line-height: 1.6;
  max-width: none;
  margin: 0;
}
.product-spotlight__chips {
  position: relative;
  z-index: 1;
  margin: 0;
  flex-wrap: wrap;
}
.product-spotlight__feature-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--sp-3);
  margin: 0;
  padding: 0;
  list-style: none;
  flex: 1;
  align-content: start;
}
.product-spotlight__feature {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  height: 100%;
  min-height: 88px;
  padding: var(--sp-4);
  border-radius: var(--r-card);
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(244, 124, 0, 0.12);
  box-shadow: var(--sh-xs);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease);
}
.product-spotlight__feature:hover {
  background: #fff;
  border-color: rgba(244, 124, 0, 0.22);
  box-shadow: var(--sh-sm);
}
.product-spotlight__feature-icon {
  flex: 0 0 auto;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: var(--grad-warm);
  color: #fff;
  box-shadow: var(--sh-warm);
}
.product-spotlight__feature-icon svg { width: 18px; height: 18px; }
.product-spotlight__feature-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}
.product-spotlight__feature-text strong {
  font-size: var(--fs-sm);
  font-weight: 700;
  color: var(--ink-800);
  line-height: 1.3;
}
.product-spotlight__feature-text span {
  font-size: var(--fs-xs);
  color: var(--ink-500);
  line-height: 1.4;
}
.product-spotlight__actions {
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  margin-top: auto;
  padding-top: var(--sp-4);
  border-top: 1px solid rgba(244, 124, 0, 0.12);
}
.product-spotlight__aside {
  display: flex;
  height: 100%;
  min-height: 100%;
}
.product-spotlight__card {
  position: relative;
  display: flex;
  flex-direction: column;
  flex: 1;
  width: 100%;
  min-height: 100%;
  background: linear-gradient(165deg, #FFFFFF 0%, #F7FBFF 48%, #EEF5FF 100%);
  border: 1px solid rgba(11, 94, 215, 0.14);
  border-radius: var(--r-lg);
  padding: clamp(var(--sp-5), 2.5vw, var(--sp-7));
  box-shadow: var(--sh-cool-lg);
  overflow: hidden;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.product-spotlight__card::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 100%;
  height: 5px;
  background: var(--grad-brand);
}
.product-spotlight__card:hover {
  border-color: rgba(11, 94, 215, 0.24);
  box-shadow: 0 24px 48px rgba(11, 94, 215, 0.14);
}
.product-spotlight__glow {
  position: absolute;
  top: -80px;
  right: -40px;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(50, 168, 220, 0.35) 0%, transparent 70%);
  filter: blur(40px);
  opacity: 0.7;
  pointer-events: none;
}
.product-spotlight__mesh {
  position: absolute;
  inset: auto -20% -30% -20%;
  height: 55%;
  background: radial-gradient(ellipse at center, rgba(11, 94, 215, 0.08) 0%, transparent 72%);
  pointer-events: none;
}
.product-spotlight__card-top {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-3);
  flex-wrap: wrap;
  margin-bottom: var(--sp-4);
}
.product-spotlight__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0.45rem 0.85rem;
  border-radius: var(--r-pill);
  background: rgba(11, 94, 215, 0.08);
  border: 1px solid rgba(11, 94, 215, 0.16);
  color: var(--primary-700);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.product-spotlight__badge svg { width: 16px; height: 16px; flex: 0 0 auto; }
.product-spotlight__rating {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
}
.product-spotlight__rating-text {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--ink-600);
}
.product-spotlight__metrics {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-3);
  margin-bottom: var(--sp-5);
}
.product-spotlight__metric {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: var(--sp-4);
  border-radius: var(--r-card);
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(11, 94, 215, 0.1);
  box-shadow: var(--sh-xs);
}
.product-spotlight__metric strong {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 1.1rem + 0.8vw, 1.75rem);
  font-weight: 800;
  line-height: 1;
  background: var(--grad-vivid);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--primary);
}
.product-spotlight__metric span {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--ink-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.product-spotlight__card-label {
  position: relative;
  z-index: 1;
  font-size: var(--fs-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary-700);
  margin-bottom: var(--sp-4);
}
.product-spotlight__highlights {
  position: relative;
  z-index: 1;
  display: grid;
  gap: var(--sp-3);
  margin: 0;
  padding: 0;
  list-style: none;
  flex: 1;
  align-content: start;
}
.product-spotlight__highlight {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  padding: var(--sp-3) var(--sp-4);
  border-radius: var(--r-card);
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(11, 94, 215, 0.08);
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.product-spotlight__highlight:hover {
  background: #fff;
  border-color: rgba(11, 94, 215, 0.18);
  box-shadow: var(--sh-sm);
}
.product-spotlight__highlight-icon {
  flex: 0 0 auto;
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  color: #fff;
}
.product-spotlight__highlight-icon svg { width: 20px; height: 20px; }
.product-spotlight__highlight-icon--brand { background: var(--grad-brand); box-shadow: var(--sh-primary); }
.product-spotlight__highlight-icon--warm { background: var(--grad-warm); box-shadow: var(--sh-warm); }
.product-spotlight__highlight-icon--cool { background: var(--grad-cool); }
.product-spotlight__highlight-icon--success { background: linear-gradient(135deg, #16A34A 0%, #22C55E 100%); }
.product-spotlight__highlight-body {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}
.product-spotlight__highlight-body strong {
  font-size: var(--fs-sm);
  font-weight: 700;
  color: var(--ink-800);
  line-height: 1.3;
}
.product-spotlight__highlight-body span {
  font-size: var(--fs-xs);
  color: var(--ink-500);
  line-height: 1.45;
}
.product-spotlight__card-footer {
  position: relative;
  z-index: 1;
  margin-top: auto;
  padding-top: var(--sp-4);
  border-top: 1px solid rgba(11, 94, 215, 0.1);
}
.product-spotlight__flow {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-2);
  margin-top: 0;
  padding: var(--sp-4);
  border-radius: var(--r-card);
  background: rgba(255, 255, 255, 0.85);
  border: 1px dashed rgba(11, 94, 215, 0.2);
}
.product-spotlight__flow-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex: 1;
  min-width: 0;
}
.product-spotlight__flow-num {
  width: 32px;
  height: 32px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  font-family: var(--font-display);
  font-size: var(--fs-sm);
  font-weight: 800;
  color: var(--primary-700);
  background: var(--primary-050);
  border: 1px solid rgba(11, 94, 215, 0.18);
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.product-spotlight__flow-label {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--ink-600);
  text-align: center;
}
.product-spotlight__flow-line {
  flex: 0 0 24px;
  height: 2px;
  border-radius: var(--r-pill);
  background: linear-gradient(90deg, rgba(11, 94, 215, 0.15), rgba(11, 94, 215, 0.45), rgba(11, 94, 215, 0.15));
}
.product-spotlight__note {
  position: relative;
  z-index: 1;
  margin-top: var(--sp-3);
  padding-top: 0;
  border-top: 0;
  font-size: var(--fs-sm);
  color: var(--ink-600);
  line-height: 1.55;
  text-align: center;
}

.product-card {
  position: relative; display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg);
  padding: var(--sp-6); box-shadow: var(--sh-sm); overflow: hidden;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.product-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 5px; background: var(--grad-vivid); opacity: 0.85; transition: opacity var(--dur), height var(--dur); }
.product-card:hover { box-shadow: var(--sh-cool-lg); }
.product-card:hover::before { opacity: 1; height: 7px; }
.product-card__glow { position: absolute; width: 240px; height: 240px; border-radius: 50%; background: var(--grad-mesh-a); filter: blur(60px); opacity: 0; transition: opacity var(--dur); top: -80px; right: -80px; pointer-events: none; }
.product-card:hover .product-card__glow { opacity: 0.5; }
.product-card__icon { width: 60px; height: 60px; display: grid; place-items: center; border-radius: var(--r-card); background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); margin-bottom: var(--sp-4); }
.product-card__icon svg { width: 30px; height: 30px; }
.product-card__icon--warm { background: var(--grad-warm); box-shadow: var(--sh-warm); }
.product-card__icon--cool { background: var(--grad-cool); }
.product-card h3 { font-size: 1.3rem; font-weight: 700; }
.product-card__eyebrow { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent); margin-bottom: var(--sp-2); }
.product-card p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-3); flex: 1; }
.product-card__cta { display: inline-flex; align-items: center; gap: 6px; margin-top: var(--sp-5); color: var(--primary-700); font-weight: 600; font-size: var(--fs-sm); }
.product-card__cta svg { width: 16px; height: 16px; transition: transform var(--dur); }
.product-card:hover .product-card__cta svg { transform: translate(3px,-3px); }

/* ---------- Process / steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); position: relative; }
.steps::before { content: ""; position: absolute; top: 40px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, var(--primary-050) 0 10px, transparent 10px 20px); z-index: 0; }
.step { position: relative; z-index: 1; background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-6) var(--sp-5); box-shadow: var(--sh-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.step:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.step__num { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); margin-bottom: var(--sp-4); }
.step h3 { font-size: 1.1rem; font-weight: 700; }
.step p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }

/* ---------- How it works (phone + interactive steps) ---------- */
.how { display: flex; align-items: center; justify-content: center; gap: var(--sp-8); flex-wrap: wrap; }
.how__visual { position: relative; flex: 0 0 auto; display: grid; place-items: center; padding: var(--sp-5) var(--sp-4) var(--sp-6); }
.how__glow { position: absolute; bottom: 8px; left: 50%; transform: translateX(-50%); width: 82%; height: 120px; border-radius: 50%; background: radial-gradient(ellipse at center, rgba(11, 94, 215, 0.28), transparent 72%); z-index: 0; }
.how__phone {
  position: relative; z-index: 1; width: 262px;
  filter: drop-shadow(0 32px 46px rgba(9, 30, 66, 0.32));
  animation: floatY 7s var(--ease-out) infinite;
}
.how__screen { position: relative; aspect-ratio: 516 / 1068; }
.how__shot { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: contain; opacity: 0; transition: opacity var(--dur) var(--ease); }
.how__shot.is-active { opacity: 1; }

.how__steps { position: relative; display: flex; flex-direction: column; gap: var(--sp-4); width: 100%; max-width: 420px; }
.how__line { position: absolute; left: 31px; top: 30px; bottom: 30px; width: 2px; background: var(--primary-050); z-index: 0; }
.how__step { position: relative; z-index: 1; display: flex; align-items: flex-start; gap: var(--sp-3); width: 100%; text-align: left; padding: var(--sp-2); border: 0; background: none; border-radius: var(--r-card); font: inherit; color: inherit; cursor: pointer; }
.how__icon { flex: 0 0 auto; width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; background: var(--primary-050); border: 1px solid rgba(11, 94, 215, 0.18); color: var(--primary); transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.how__icon svg { width: 24px; height: 24px; }
.how__body { display: flex; flex-direction: column; gap: 2px; padding: var(--sp-2) var(--sp-4); border-radius: var(--r-card); transition: background var(--dur) var(--ease); }
.how__num { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent); }
.how__step h3 { font-size: 1.05rem; font-weight: 700; color: var(--ink-800); }
.how__step p { font-size: var(--fs-sm); color: var(--ink-500); margin-top: 2px; max-width: 40ch; }
.how__step:focus-visible { outline: none; }
.how__step:focus-visible .how__icon { box-shadow: 0 0 0 3px rgba(11, 94, 215, 0.28); }
.how__step.is-active .how__icon { background: var(--grad-brand); border-color: transparent; color: #fff; box-shadow: var(--sh-primary); }
.how__step.is-active .how__body { background: linear-gradient(90deg, var(--primary-050) 0%, rgba(231, 239, 251, 0) 100%); }

/* ---------- Numbered feature list (next-gen) ---------- */
.nextgen { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: var(--sp-8); align-items: center; }
.nextgen__quote { background: var(--secondary); background: var(--grad-warm); color: #fff; border-radius: var(--r-lg); padding: var(--sp-7); box-shadow: var(--sh-lg); }
.nextgen__quote .qmark { font-family: var(--font-display); font-size: 3rem; line-height: 0.6; opacity: 0.6; }
.nextgen__quote blockquote { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; line-height: 1.4; margin: var(--sp-4) 0 var(--sp-6); }
.nextgen__metrics { display: flex; gap: var(--sp-6); }
.nextgen__metrics div strong { display: block; font-family: var(--font-display); font-size: 1.6rem; font-weight: 800; }
.nextgen__metrics div span { font-size: var(--fs-xs); opacity: 0.85; }
.numlist { display: grid; gap: var(--sp-4); }
.numlist__item { position: relative; display: flex; gap: var(--sp-4); padding: var(--sp-4) var(--sp-4) var(--sp-4) var(--sp-5); border-radius: var(--r-card); border: 1px solid var(--ink-100); background: #fff; box-shadow: var(--sh-xs); overflow: hidden; transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur); }
.numlist__item::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--grad-vivid); transform: scaleY(0.25); transform-origin: top; transition: transform var(--dur) var(--ease); }
.numlist__item:hover { transform: translateX(4px); box-shadow: var(--sh-cool-lg); border-color: rgba(11,94,215,0.22); }
.numlist__item:hover::before { transform: scaleY(1); }
.numlist__num { display: inline-block; font-family: var(--font-display); font-weight: 800; font-size: 1.8rem; flex: 0 0 auto; width: 46px; background: var(--grad-vivid); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--primary); }
.numlist__tag { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent); }
.numlist__item h3 { font-size: 1.05rem; font-weight: 700; margin-top: 2px; }
.numlist__item p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: 2px; }

/* ---------- Info / checklist lists ---------- */
.infolist { display: grid; gap: var(--sp-3); }
.infolist li { display: flex; align-items: flex-start; gap: var(--sp-3); font-size: var(--fs-sm); color: var(--ink-700); }
.infolist li svg { width: 20px; height: 20px; color: var(--success); flex: 0 0 20px; margin-top: 0.15em; }
.infolist__body { flex: 1; min-width: 0; }
.infolist__body strong { display: block; font-size: inherit; font-weight: 600; color: var(--ink-900); margin-bottom: var(--sp-1); }
.infolist__body p { margin: 0; color: inherit; line-height: var(--lh-body); }
.infolist--levels { gap: var(--sp-4); }
.panel { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); padding: var(--sp-6); box-shadow: var(--sh-sm); }
.panel h3 { font-size: var(--fs-h3); font-weight: 700; margin-bottom: var(--sp-4); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-6); align-items: start; }
.prose p { color: var(--ink-600); margin-bottom: var(--sp-4); max-width: 65ch; }
.prose p:last-child { margin-bottom: 0; }

/* ---------- Loan eligibility visual ---------- */
.loanviz { background: var(--glass-bg); border: 1px solid var(--glass-border); backdrop-filter: blur(var(--glass-blur)); -webkit-backdrop-filter: blur(var(--glass-blur)); border-radius: var(--r-lg); padding: var(--sp-6); box-shadow: var(--sh-xl); }
.loanviz__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--sp-4); }
.loanviz__amount { font-family: var(--font-display); font-size: 2rem; font-weight: 800; color: var(--ink-900); }
.loanviz__amount span { display: block; font-family: var(--font-body); font-size: var(--fs-xs); color: var(--ink-500); font-weight: 500; text-transform: uppercase; letter-spacing: 0.06em; }

/* ---------- Policy / document download cards ---------- */
.doc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.doc-card { display: flex; flex-direction: column; gap: var(--sp-3); background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.doc-card:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.doc-card__icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: var(--r-card); background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); }
.doc-card__icon svg { width: 24px; height: 24px; }
.doc-card h3 { font-size: 1.05rem; font-weight: 700; }
.doc-card p { color: var(--ink-500); font-size: var(--fs-sm); flex: 1; }
.doc-card .btn { margin-top: auto; }
.tag-pill { align-self: flex-start; font-size: var(--fs-xs); font-weight: 600; color: var(--primary-700); background: var(--primary-050); padding: 0.25rem 0.6rem; border-radius: var(--r-pill); }
.tag-pill--ext { color: var(--accent); background: rgba(244,124,0,0.12); }

/* ---------- Partner cards ---------- */
.partner-card { display: grid; grid-template-columns: auto 1fr; gap: var(--sp-5); align-items: center; background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); padding: var(--sp-6); box-shadow: var(--sh-sm); }
.partner-card__logo { width: 84px; height: 84px; border-radius: var(--r-card); display: grid; place-items: center; background: var(--grad-brand); color: #fff; font-family: var(--font-display); font-weight: 800; font-size: 1.4rem; box-shadow: var(--sh-primary); }
.partner-card__tag { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent); }
.partner-card h3 { font-size: 1.2rem; font-weight: 700; margin-top: 2px; }
.partner-card__meta { display: flex; flex-wrap: wrap; gap: var(--sp-4); margin-top: var(--sp-3); }
.partner-card__meta div span { display: block; font-size: var(--fs-xs); color: var(--ink-400); }
.partner-card__meta div strong { font-size: var(--fs-sm); color: var(--ink-800); }
.partner-card__actions { grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-2); }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: var(--sp-3); max-width: 860px; margin-inline: auto; }
.faq--full { max-width: none; }
.faq__item { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); box-shadow: var(--sh-xs); overflow: hidden; }
.faq__q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); padding: var(--sp-5); font-family: var(--font-display); font-weight: 600; color: var(--ink-900); font-size: 1rem; }
.faq__plus { position: relative; width: 18px; height: 18px; flex: 0 0 auto; }
.faq__plus::before, .faq__plus::after { content: ""; position: absolute; background: var(--primary); border-radius: 2px; transition: transform var(--dur) var(--ease); }
.faq__plus::before { top: 8px; left: 0; width: 18px; height: 2px; }
.faq__plus::after { top: 0; left: 8px; width: 2px; height: 18px; }
.faq__item.is-open .faq__plus::after { transform: scaleY(0); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height var(--dur) var(--ease); }
.faq__a-inner { padding: 0 var(--sp-5) var(--sp-5); color: var(--ink-500); }
.faq__a-inner p { max-width: 75ch; }

.faq-filters { display: flex; flex-wrap: wrap; gap: var(--sp-2); justify-content: center; margin-bottom: var(--sp-6); }
.faq-filter { border: 1px solid var(--ink-200); background: #fff; border-radius: var(--r-pill); padding: 0.5rem 1.1rem; font-weight: 600; font-size: var(--fs-sm); color: var(--ink-600); cursor: pointer; transition: all var(--dur); }
.faq-filter:hover { border-color: var(--primary); color: var(--primary-700); }
.faq-filter.is-active { background: var(--grad-cta); color: #fff; border-color: transparent; box-shadow: var(--sh-primary); }
.faq__item.is-hidden { display: none; }

/* ---------- Forms ---------- */
.form-card { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); box-shadow: var(--sh-md); padding: var(--sp-6); }
.form-grid { display: grid; gap: var(--sp-4); }
.form-grid--2 { grid-template-columns: 1fr 1fr; }
.form-field { display: grid; gap: var(--sp-2); }
.form-field--full { grid-column: 1 / -1; }
.form-field label { font-size: var(--fs-sm); font-weight: 600; color: var(--ink-700); }
.form-field input, .form-field select, .form-field textarea {
  font-family: var(--font-body); font-size: var(--fs-sm); color: var(--ink-800);
  padding: 0.85rem 0.95rem; border: 1px solid var(--ink-200); border-radius: var(--r-btn); background: var(--ink-50);
  transition: border-color var(--dur), box-shadow var(--dur); width: 100%;
}
.form-field textarea { resize: vertical; min-height: 120px; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(11,94,215,0.15); background: #fff; }
.form-field .error { font-size: var(--fs-xs); color: var(--danger); display: none; }
.form-field.is-invalid .error { display: block; }
.form-field.is-invalid input, .form-field.is-invalid select, .form-field.is-invalid textarea { border-color: var(--danger); }
.form-note { font-size: var(--fs-xs); color: var(--ink-400); }
.form-alert { display: none; padding: var(--sp-4); border-radius: var(--r-card); font-size: var(--fs-sm); margin-bottom: var(--sp-4); }
.form-alert.is-shown { display: block; }
.form-alert--error { background: rgba(220,38,38,0.08); border: 1px solid rgba(220,38,38,0.25); color: var(--danger); }
.form-success { display: none; text-align: center; padding: var(--sp-7) var(--sp-5); }
.form-success.is-shown { display: block; }
.form-success__icon { width: 64px; height: 64px; margin: 0 auto var(--sp-4); display: grid; place-items: center; border-radius: 50%; background: rgba(22,163,74,0.12); color: var(--success); }
.form-success__icon svg { width: 32px; height: 32px; }
.form-success h3 { font-size: var(--fs-h3); font-weight: 700; }
.form-success p { color: var(--ink-500); margin-top: var(--sp-2); }

/* captcha placeholder */
.captcha { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3) var(--sp-4); border: 1px solid var(--ink-200); border-radius: var(--r-btn); background: var(--ink-50); max-width: 320px; }
.captcha input { width: 22px; height: 22px; accent-color: var(--primary); }
.captcha__brand { margin-left: auto; font-size: var(--fs-xs); color: var(--ink-400); text-align: center; line-height: 1.1; }

/* contact info column */
.info-aside { display: grid; gap: var(--sp-4); align-content: start; }
.info-block { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-xs); }
.info-block h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: var(--sp-3); }
.info-row { display: flex; align-items: flex-start; gap: var(--sp-3); margin-bottom: var(--sp-3); }
.info-row:last-child { margin-bottom: 0; }
.info-row__icon { width: 40px; height: 40px; border-radius: var(--r-btn); display: grid; place-items: center; background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); flex: 0 0 auto; }
.info-row__icon svg { width: 20px; height: 20px; }
.info-row span { display: block; font-size: var(--fs-xs); color: var(--ink-400); }
.info-row a, .info-row strong { color: var(--ink-800); font-size: var(--fs-sm); font-weight: 600; }
.info-row a:hover { color: var(--primary); }

/* ---------- CTA band ---------- */
.cta-band { position: relative; padding-block: var(--sp-9); background: radial-gradient(130% 130% at 15% 0%, var(--gradient-2) 0%, var(--primary) 38%, var(--primary-700) 72%, #062a4d 100%); color: #fff; overflow: hidden; text-align: center; }
.cta-band .blob--1 { background: var(--grad-mesh-a); top: -120px; left: 8%; opacity: 0.6; }
.cta-band .blob--2 { background: var(--grad-mesh-c); bottom: -140px; right: 10%; opacity: 0.5; }
.cta-band__inner { position: relative; z-index: 1; max-width: 720px; margin-inline: auto; }
.cta-band h2 { font-size: var(--fs-h2); font-weight: 800; color: #fff; letter-spacing: -0.02em; }
.cta-band p { font-size: var(--fs-lead); color: rgba(255,255,255,0.8); margin-top: var(--sp-4); }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); justify-content: center; margin-top: var(--sp-6); }

/* ---------- App download band ---------- */
.appband { background: var(--grad-vivid); color: #fff; border-radius: var(--r-lg); padding: var(--sp-7); display: grid; grid-template-columns: 1fr auto; gap: var(--sp-6); align-items: center; box-shadow: var(--sh-cool-lg); }
.appband__tag { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.9; }
.appband h2 { color: #fff; font-size: var(--fs-h2); font-weight: 800; margin-top: var(--sp-2); }
.appband__meta { display: flex; gap: var(--sp-5); margin-top: var(--sp-4); font-size: var(--fs-sm); }
.appband__actions { display: flex; flex-direction: column; gap: var(--sp-3); }

/* ---------- Footer ---------- */
.footer { background: var(--ink-900); color: rgba(255,255,255,0.7); padding-block: var(--sp-8) var(--sp-6); border-top: 4px solid; border-image: linear-gradient(90deg, var(--primary) 0%, var(--gradient-2) 50%, var(--secondary) 100%) 1; }
.footer__grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr; gap: var(--sp-6); }
.brand--footer { color: #fff; }
.footer__about { margin-top: var(--sp-4); font-size: var(--fs-sm); line-height: 1.6; max-width: 40ch; }
.footer__rbi { display: inline-block; margin-top: var(--sp-4); font-size: var(--fs-xs); color: var(--gradient-2); border: 1px solid rgba(50,168,220,0.35); padding: 0.3rem 0.7rem; border-radius: var(--r-pill); }
.footer__col h4 { color: #fff; font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: var(--sp-4); }
.footer__col ul { display: grid; gap: var(--sp-3); }
.footer__col a { font-size: var(--fs-sm); color: rgba(255,255,255,0.65); transition: color var(--dur); }
.footer__col a:hover { color: var(--primary); }
.footer__contact { margin-top: var(--sp-6); display: grid; grid-template-columns: repeat(3, auto) 1fr; gap: var(--sp-5); padding-top: var(--sp-6); border-top: 1px solid rgba(255,255,255,0.1); font-size: var(--fs-sm); }
.footer__contact h5 { color: rgba(255,255,255,0.5); font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 var(--sp-2); font-family: var(--font-body); }
.footer__contact a:hover { color: var(--primary); }
.footer__bottom { display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-4); margin-top: var(--sp-6); padding-top: var(--sp-5); border-top: 1px solid rgba(255,255,255,0.1); font-size: var(--fs-xs); }
.footer__bottom-links { display: flex; flex-wrap: wrap; gap: var(--sp-4); margin-left: auto; }
.footer__bottom-links a:hover { color: var(--primary); }

/* ---------- App banner (bottom) ---------- */
.appbanner {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  background: rgba(11,16,32,0.92); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  color: #fff; padding: var(--sp-3) var(--sp-4);
  display: flex; align-items: center; gap: var(--sp-4);
  box-shadow: 0 -10px 30px rgba(0,0,0,0.2);
  transform: translateY(100%); transition: transform var(--dur) var(--ease);
}
.appbanner.is-shown { transform: translateY(0); }
.appbanner.is-dismissed { display: none; }
.appbanner__icon { width: 42px; height: 42px; border-radius: 11px; flex: 0 0 auto; background: #fff; padding: 4px; object-fit: contain; box-shadow: 0 2px 8px rgba(0,0,0,0.25); }
.appbanner__text { min-width: 0; flex: 1 1 auto; }
.appbanner__text strong { display: block; font-size: var(--fs-sm); line-height: 1.25; }
.appbanner__text span { font-size: var(--fs-xs); color: rgba(255,255,255,0.7); }
.appbanner__actions { display: flex; align-items: center; gap: var(--sp-2); margin-left: auto; flex: 0 0 auto; }
.appbanner__actions .btn { white-space: nowrap; }
.appbanner__close { background: transparent; border: 0; color: rgba(255,255,255,0.6); cursor: pointer; width: 36px; height: 36px; border-radius: 50%; font-size: 1.2rem; transition: background var(--dur), color var(--dur); }
.appbanner__close:hover { background: rgba(255,255,255,0.1); color: #fff; }

/* ---------- Legal / policy pages ---------- */
.legal { display: grid; gap: var(--sp-5); }
.legal__item { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-6); box-shadow: var(--sh-xs); }
.legal__item h2 { display: flex; align-items: baseline; gap: var(--sp-3); font-size: 1.2rem; font-weight: 700; margin-bottom: var(--sp-3); }
.legal__item h2 .legal__num { font-family: var(--font-display); font-size: 0.95rem; font-weight: 800; color: #fff; background: var(--grad-brand); border-radius: var(--r-chip); padding: 0.25rem 0.6rem; flex: 0 0 auto; }
.legal__item p { color: var(--ink-600); margin-bottom: var(--sp-3); }
.legal__item p:last-child { margin-bottom: 0; }
.legal__item ul.infolist { margin-top: var(--sp-4); }
.legal__item .infolist li { font-size: inherit; color: var(--ink-600); }
.legal__item .infolist__body strong { margin-bottom: var(--sp-2); }
.legal__item ul.infolist + .legal__footnote { margin-top: var(--sp-5); padding-top: var(--sp-4); border-top: 1px solid var(--ink-100); }
.legal__footnote { color: var(--ink-600); }
.legal__updated { font-size: var(--fs-sm); color: var(--ink-400); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); }
.reveal.is-visible { opacity: 1; transform: none; }

/* ============================================================
   Responsive
   ============================================================ */
@media (min-width: 1500px) { html { font-size: 17px; } }
@media (min-width: 1800px) { html { font-size: 18px; } }
@media (min-width: 2400px) { html { font-size: 20px; } }

@media (max-width: 1024px) {
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .product-grid { grid-template-columns: 1fr; }
  .product-spotlight { grid-template-columns: 1fr; gap: var(--sp-5); }
  .product-spotlight__actions .btn { flex: 1 1 auto; min-width: 140px; }
  .product-spotlight__feature-grid { grid-template-columns: 1fr; }
  .doc-grid { grid-template-columns: repeat(2, 1fr); }
  .statstrip { grid-template-columns: repeat(2, 1fr); }
  .benefits { grid-template-columns: repeat(2, 1fr); }
  .testimonials { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .footer__contact { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .nav { gap: var(--sp-3); }
  .nav__links, .nav__cta { display: none; }
  .nav__toggle { display: flex; order: 3; margin-left: auto; }
  .brand { order: 0; }

  .site-header.nav-open {
    height: auto;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(var(--glass-blur)); -webkit-backdrop-filter: blur(var(--glass-blur));
    box-shadow: var(--sh-lg); border-bottom: 1px solid var(--ink-100);
  }
  .site-header.nav-open .nav { flex-wrap: wrap; row-gap: 0; padding-top: var(--sp-2); padding-bottom: var(--sp-4); }
  .site-header.nav-open .nav__links {
    display: flex; flex-direction: column; gap: 0; order: 4; align-items: stretch;
    flex-basis: 100%; width: 100%; margin: 0; font-size: 1rem; font-weight: 600;
    border-top: 1px solid var(--ink-100); margin-top: var(--sp-2);
  }
  .site-header.nav-open .nav__item { border-bottom: 1px solid var(--ink-100); }
  .site-header.nav-open .nav__link { padding: var(--sp-4) 0; }
  .nav__dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 var(--sp-3) var(--sp-4); min-width: 0; display: none; }
  .site-header.nav-open .nav__item.is-open .nav__dropdown { display: block; }
  .site-header.nav-open .nav__cta {
    display: flex; order: 5; flex-basis: 100%; width: 100%;
    gap: var(--sp-3); margin-top: var(--sp-4);
  }
  .site-header.nav-open .nav__cta .btn { flex: 1; justify-content: center; }

  .hero { padding-top: calc(var(--header-h) + var(--sp-6)); padding-bottom: var(--sp-7); }
  .hero__grid, .pagehero__grid, .two-col, .nextgen { grid-template-columns: 1fr; gap: var(--sp-6); }
  .hero__visual { margin-top: var(--sp-4); }
  .hero__phones { max-width: 380px; min-height: 460px; }
  .floatcard { display: none; }
  .scene3d { transform: none; margin-inline: auto; }
  .hero__visual:hover .scene3d { transform: none; }
  .scene3d__layer--back { display: none; }
  .scene3d__coin { right: 4%; }

  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .how { gap: var(--sp-6); }
  .how__steps { max-width: 480px; }
  .doc-grid { grid-template-columns: 1fr; }
  .partner-card { grid-template-columns: 1fr; text-align: center; }
  .partner-card__logo { margin-inline: auto; }
  .partner-card__meta { justify-content: center; }

  .appband { grid-template-columns: 1fr; text-align: center; }
  .appband__meta { justify-content: center; }
  .appband__actions {
    align-items: stretch;
    width: 100%;
    max-width: 22rem;
    margin-inline: auto;
  }
  .appband__head { flex-direction: column; text-align: center; }
  .appband__store {
    display: flex;
    width: 100%;
    justify-content: center;
    min-height: 52px;
    padding: 0.8rem 1.25rem;
    gap: var(--sp-3);
  }
  .appband__store svg { width: 24px; height: 24px; flex: 0 0 auto; }
  .appband__store span { align-items: flex-start; text-align: left; }
  .appband__actions .btn { width: 100%; justify-content: center; }
  .testimonials { grid-template-columns: 1fr; }

  .section { padding-block: var(--sp-7); }
  .section__head { margin-bottom: var(--sp-6); }
  .footer__contact { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .grid--2, .grid--3, .grid--4, .statstrip, .statstrip--3 { grid-template-columns: 1fr; }
  .benefits { grid-template-columns: 1fr; }
  .form-grid--2 { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .steps { grid-template-columns: 1fr; }
  .how__phone { width: 200px; }
  .how__step p { max-width: none; }

  .hero__trust { gap: var(--sp-4) var(--sp-5); }
  .hero__trust strong { font-size: 1.25rem; }
  .btn--lg { width: 100%; }
  .hero__actions, .pagehero__actions { flex-direction: column; align-items: stretch; }
  .lead-form { max-width: none; }
  .lead-form__row { flex-direction: column; }
  .lead-input { flex-basis: auto; }
  .container { padding-inline: var(--sp-4); }
  .appbanner__text span { display: none; }
}

@media (max-width: 380px) {
  .footer__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Premium experience enhancements
   ============================================================ */

/* Header entrance */
@keyframes headerDrop { from { transform: translateY(-100%); } to { transform: none; } }
.site-header { animation: headerDrop 0.7s var(--ease-out) both; }

/* Live status dot pulse */
.eyebrow__dot { animation: dotPulse 2.4s ease-in-out infinite; }
@keyframes dotPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(22, 163, 74, 0.45); }
  50% { box-shadow: 0 0 0 7px rgba(22, 163, 74, 0); }
}

/* Hero cursor spotlight */
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: radial-gradient(340px circle at var(--mx, 72%) var(--my, 28%), rgba(50, 168, 220, 0.20), transparent 62%);
  opacity: 0; transition: opacity 0.45s var(--ease);
}
.hero:hover::before { opacity: 1; }
.hero__copy, .hero__visual { position: relative; z-index: 1; }

/* Dashboard load animations */
.dash__bar span { animation: barFill 1.5s var(--ease-out) both; }
@keyframes barFill { from { width: 0; } to { width: 72%; } }
.dash__chart i { transform-origin: bottom; animation: barGrow 1s var(--ease-out) both; }
.dash__chart i:nth-child(1) { animation-delay: 0.06s; }
.dash__chart i:nth-child(2) { animation-delay: 0.14s; }
.dash__chart i:nth-child(3) { animation-delay: 0.22s; }
.dash__chart i:nth-child(4) { animation-delay: 0.30s; }
.dash__chart i:nth-child(5) { animation-delay: 0.38s; }
.dash__chart i:nth-child(6) { animation-delay: 0.46s; }
.dash__chart i:nth-child(7) { animation-delay: 0.54s; }
@keyframes barGrow { from { transform: scaleY(0); opacity: 0.35; } to { transform: scaleY(1); opacity: 0.85; } }

/* Card sheen sweep on hover */
.product-card { isolation: isolate; }
.product-card::after {
  content: ""; position: absolute; inset: 0; z-index: 2; pointer-events: none; border-radius: inherit;
  background: linear-gradient(120deg, transparent 30%, rgba(255, 255, 255, 0.45) 48%, transparent 66%);
  transform: translateX(-130%); transition: transform 0.85s var(--ease);
}
.product-card:hover::after { transform: translateX(130%); }

/* Doc/step/info card lift refinement */
.doc-card, .step, .card, .numlist__item { will-change: transform; }

/* Scroll progress bar */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0; z-index: 200;
  background: var(--grad-warm); box-shadow: 0 0 12px rgba(244, 124, 0, 0.55);
  transition: width 0.08s linear; pointer-events: none;
}

/* Back to top */
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 95;
  width: 48px; height: 48px; border: 0; border-radius: 50%; cursor: pointer;
  display: grid; place-items: center; color: #fff; background: var(--grad-cta);
  box-shadow: var(--sh-primary);
  opacity: 0; visibility: hidden; transform: translateY(16px) scale(0.9);
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), box-shadow var(--dur), bottom var(--dur) var(--ease);
}
.to-top.is-shown { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { transform: translateY(-3px); box-shadow: 0 18px 42px rgba(11, 94, 215, 0.45); }
.to-top svg { width: 22px; height: 22px; }
body.has-banner .to-top { bottom: calc(22px + 84px); }
@media (max-width: 560px) { body.has-banner .to-top { bottom: calc(16px + 96px); } }

/* Reveal directional variants */
.reveal--left { transform: translateX(-32px); }
.reveal--right { transform: translateX(32px); }
.reveal--scale { transform: scale(0.94); }
.reveal--left.is-visible, .reveal--right.is-visible, .reveal--scale.is-visible { transform: none; }

/* Smooth focus ring on injected controls */
.to-top:focus-visible { outline: 3px solid var(--secondary); outline-offset: 3px; }

/* ============================================================
   Vibrancy boost v2
   ============================================================ */

/* Brighter hero blobs */
.blob { opacity: 0.92; filter: blur(58px); }

/* ---- Hero simplified / clean look ---- */
/* Hide the colorful decorative blobs inside the hero for a minimal background */
.hero .mesh { display: none; }
/* Disable the colored cursor spotlight so the hero stays clean */
.hero::before { content: none; }
/* Calm, single-tone stat numbers instead of the vivid multi-color gradient */
.hero__trust strong {
  background: none;
  -webkit-text-fill-color: currentColor;
  color: var(--ink-800);
  font-weight: 700;
}
.hero__trust span { color: var(--ink-400); }
/* Solid blue accent word in the hero title for a clean, simple look */
.hero__title .text-gradient {
  background: none;
  -webkit-text-fill-color: var(--primary);
  color: var(--primary);
  animation: none;
}

/* Animated gradient primary buttons */
.btn--primary {
  background: linear-gradient(120deg, var(--primary) 0%, var(--gradient-2) 45%, var(--primary) 100%);
  background-size: 220% auto;
  animation: btnShimmer 6s linear infinite;
}
@keyframes btnShimmer { to { background-position: 220% center; } }
.btn--warm {
  background: linear-gradient(120deg, var(--secondary) 0%, var(--accent) 50%, var(--secondary) 100%);
  background-size: 220% auto;
  animation: btnShimmer 6s linear infinite;
}

/* Colorful glass eyebrow */
.eyebrow { border-color: rgba(11,94,215,0.28); box-shadow: 0 6px 18px rgba(11,94,215,0.16); }

/* Gradient underline under centered section titles */
.section__head .section__title::after {
  content: ""; display: block; width: 78px; height: 4px; margin: var(--sp-4) auto 0;
  border-radius: var(--r-pill); background: var(--grad-vivid);
}
.section__head--left .section__title::after { margin-left: 0; margin-right: auto; }

/* Per-type tinted product cards */
.product-grid .product-card:nth-child(1) { background: linear-gradient(180deg, #EAF4FF 0%, #ffffff 62%); }
.product-grid .product-card:nth-child(2) { background: linear-gradient(180deg, #FFF2E2 0%, #ffffff 62%); }
.product-grid .product-card:nth-child(3) { background: linear-gradient(180deg, #E7FAFF 0%, #ffffff 62%); }
.product-card:hover { border-color: rgba(11,94,215,0.30); }

/* Colorful steps connector + hover glow */
.steps::before { background: var(--grad-vivid); opacity: 0.3; height: 3px; border-radius: var(--r-pill); }
.step:hover { box-shadow: var(--sh-cool-lg); border-color: rgba(11,94,215,0.24); }

/* Doc cards: vivid top accent */
.doc-card { position: relative; overflow: hidden; }
.doc-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--grad-vivid); opacity: 0.85; }
.doc-card:hover { border-color: rgba(11,94,215,0.24); box-shadow: var(--sh-cool-lg); }

/* FAQ: vivid open accent */
.faq__item { position: relative; }
.faq__item::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 0; background: var(--grad-vivid); transition: width var(--dur) var(--ease); z-index: 1; }
.faq__item.is-open { border-color: rgba(11,94,215,0.28); box-shadow: var(--sh-cool-lg); }
.faq__item.is-open::before { width: 4px; }
.faq__item.is-open .faq__q { color: var(--primary-700); }

/* Stat strip: vivid top accent */
.statstrip__item { position: relative; overflow: hidden; }
.statstrip__item::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--grad-vivid); opacity: 0.9; }

/* Numbered list tags as vivid mini badges */
.numlist__tag { display: inline-block; color: #fff; background: var(--grad-warm); padding: 0.2rem 0.55rem; border-radius: var(--r-pill); font-weight: 700; }

/* ============================================================
   Benefit cards ("Why choose Orrish") + testimonials + app CTA
   (reuses existing color tokens only)
   ============================================================ */

/* ---------- Benefit cards ---------- */
.benefits { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-5); max-width: 960px; margin-inline: auto; }
.benefit-card {
  position: relative; overflow: hidden; display: flex; gap: var(--sp-4);
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
  border: 1px solid var(--ink-100); border-radius: var(--r-card);
  padding: var(--sp-5); box-shadow: var(--sh-sm); will-change: transform;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur);
}
.benefit-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--grad-vivid); opacity: 0.85; transition: opacity var(--dur), height var(--dur); }
.benefit-card:hover { transform: translateY(-6px); box-shadow: var(--sh-cool-lg); border-color: rgba(11,94,215,0.24); }
.benefit-card:hover::before { opacity: 1; height: 6px; }
.benefit-card__icon { width: 50px; height: 50px; flex: 0 0 auto; display: grid; place-items: center; border-radius: var(--r-card); background: var(--grad-brand); color: #fff; box-shadow: var(--sh-primary); }
.benefit-card__icon svg { width: 25px; height: 25px; }
.benefit-card:nth-child(3n+2) .benefit-card__icon { background: var(--grad-warm); box-shadow: var(--sh-warm); }
.benefit-card:nth-child(3n) .benefit-card__icon { background: var(--grad-cool); }
.benefit-card h3 { font-size: 1.05rem; font-weight: 700; }
.benefit-card p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }

/* ---------- Testimonials ---------- */
.testimonials { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.tcard {
  display: flex; flex-direction: column; gap: var(--sp-4);
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg);
  padding: var(--sp-6); box-shadow: var(--sh-sm); will-change: transform;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur);
}
.tcard:hover { transform: translateY(-6px); box-shadow: var(--sh-cool-lg); border-color: rgba(11,94,215,0.22); }
.stars { display: inline-flex; gap: 3px; color: var(--warning); }
.stars svg { width: 18px; height: 18px; }
.tcard__quote { color: var(--ink-700); font-size: var(--fs-sm); line-height: 1.65; flex: 1; }
.tcard__person { display: flex; align-items: center; gap: var(--sp-3); margin-top: auto; }
.tcard__avatar { width: 46px; height: 46px; border-radius: 50%; flex: 0 0 auto; display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; color: #fff; background: var(--grad-brand); box-shadow: var(--sh-primary); }
.tcard:nth-child(3n+2) .tcard__avatar { background: var(--grad-warm); box-shadow: var(--sh-warm); }
.tcard:nth-child(3n) .tcard__avatar { background: var(--grad-cool); }
.tcard__name { font-family: var(--font-display); font-weight: 700; color: var(--ink-900); font-size: var(--fs-sm); }
.tcard__role { font-size: var(--fs-xs); color: var(--ink-500); }

/* ---------- App CTA visual (dedicated download section) ---------- */
.appband__icon { width: 84px; height: 84px; border-radius: var(--r-card); background: #fff; padding: 8px; object-fit: contain; box-shadow: var(--sh-lg); flex: 0 0 auto; }
.appband__head { display: flex; align-items: center; gap: var(--sp-5); }
.appband__store { display: inline-flex; align-items: center; gap: var(--sp-2); background: #fff; color: var(--ink-900); border-radius: var(--r-card); padding: 0.7rem 1.15rem; font-weight: 700; box-shadow: var(--sh-md); border: 1px solid rgba(255,255,255,0.6); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.appband__store:hover { transform: translateY(-2px); box-shadow: var(--sh-lg); }
.appband__store svg { width: 22px; height: 22px; color: var(--primary); }
.appband__store span { display: flex; flex-direction: column; line-height: 1.1; }
.appband__store small { font-size: var(--fs-xs); font-weight: 500; color: var(--ink-500); }
.appband__meta strong { font-family: var(--font-display); }

/* ============================================================
   EMI Calculator
   ============================================================ */
.emi {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: var(--sp-6);
  align-items: stretch; max-width: 1020px; margin-inline: auto;
}
.emi__controls {
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg);
  padding: var(--sp-6); box-shadow: var(--sh-sm); display: grid; gap: var(--sp-6); align-content: center;
}
.emi__field { display: grid; gap: var(--sp-3); }
.emi__label { display: flex; align-items: baseline; justify-content: space-between; gap: var(--sp-3); }
.emi__label label { font-size: var(--fs-sm); font-weight: 600; color: var(--ink-700); }
.emi__val { font-family: var(--font-display); font-weight: 700; color: var(--primary-700); font-size: 1.05rem; white-space: nowrap; }
.emi__ends { display: flex; justify-content: space-between; font-size: var(--fs-xs); color: var(--ink-400); }
.emi input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: var(--r-pill);
  background: linear-gradient(90deg, var(--primary) 0%, var(--gradient-2) var(--fill, 20%), var(--ink-200) var(--fill, 20%), var(--ink-200) 100%);
  cursor: pointer; outline-offset: 4px;
}
.emi input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 3px solid var(--primary); box-shadow: var(--sh-md); cursor: pointer;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur);
}
.emi input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); box-shadow: var(--sh-primary); }
.emi input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--primary);
  box-shadow: var(--sh-md); cursor: pointer;
}
.emi__result {
  background: var(--grad-ocean); color: #fff; border-radius: var(--r-lg);
  padding: var(--sp-6); box-shadow: var(--sh-cool-lg); display: flex; flex-direction: column; gap: var(--sp-4);
}
.emi__result-label { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.85; }
.emi__emi { font-family: var(--font-display); font-size: clamp(2rem, 1.4rem + 2vw, 2.8rem); font-weight: 800; line-height: 1; }
.emi__rows { display: grid; gap: var(--sp-3); padding-top: var(--sp-4); border-top: 1px solid rgba(255,255,255,0.2); }
.emi__rows div { display: flex; align-items: center; justify-content: space-between; font-size: var(--fs-sm); }
.emi__rows span { color: rgba(255,255,255,0.8); }
.emi__rows strong { font-family: var(--font-display); font-weight: 700; }
.emi__result .btn { margin-top: var(--sp-2); }
.emi__note { font-size: var(--fs-xs); color: rgba(255,255,255,0.7); }
@media (max-width: 860px) { .emi { grid-template-columns: 1fr; } }

/* ---------- Minimal (MMB-style) header ---------- */
.site-header--min .nav { justify-content: space-between; }
.site-header--min .nav__cta { display: flex; margin-left: auto; }
@media (max-width: 860px) {
  .site-header--min .nav__cta { display: flex; }
}
@media (max-width: 420px) {
  .site-header--min .btn--ghost { display: none; }
}

/* ---------- Simple centered hero (MMB-style) ---------- */
.hero__grid--center { grid-template-columns: min(760px, 100%); justify-content: center; text-align: center; }
.hero__grid--center .hero__sub { margin-inline: auto; }
.hero__grid--center .hero__actions { justify-content: center; }
.hero__grid--center .hero__trust { justify-content: center; }

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .reveal { opacity: 1; transform: none; }
  .faq__a { transition: none; }
  .text-gradient { animation: none; }
  .btn--primary, .btn--warm { animation: none; }
  .dash__bar span { width: 72%; }
  .dash__chart i { transform: none; opacity: 0.85; }
  .scroll-progress { display: none; }
}

/* ============================================================
   Responsive refinements - full-device polish
   (mobile • small mobile • tablet • large desktop)
   ============================================================ */

/* Hard guard against any horizontal overflow on all viewports */
html, body { max-width: 100%; overflow-x: hidden; }
img, svg, video { max-width: 100%; }

/* Balanced, wrap-safe footer contact row across every width */
.footer__contact { grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); align-items: start; }
.footer__contact > div:empty { display: none; }

/* ---- Tablet (≤ 1024px) ---- */
@media (max-width: 1024px) {
  .hero__grid { gap: var(--sp-6); }
  .hero__phones { max-width: 420px; min-height: 500px; }
  .appband { gap: var(--sp-5); }
}

/* ---- Small tablets / large phones (≤ 860px) ---- */
@media (max-width: 860px) {
  .hero__phones { max-width: 340px; min-height: 420px; margin-inline: auto; }
  .cta-band { padding-block: var(--sp-7); }
  .appband { padding: var(--sp-6); }
}

/* ---- Phones (≤ 560px) ---- */
@media (max-width: 560px) {
  .hero__phones { max-width: 300px; min-height: 372px; }
  .appband h2 { font-size: 1.4rem; }
  .appband__store { min-height: 54px; padding: 0.85rem 1.35rem; }
  .emi__controls, .emi__result { padding: var(--sp-5); }
  .emi__emi { font-size: 2rem; }
  .legal__item { padding: var(--sp-5); }
  .legal__item h2 { font-size: 1.1rem; }
  .faq__q { padding: var(--sp-4); font-size: 0.95rem; }
  .product-spotlight__main { padding: var(--sp-5); }
  .product-spotlight__head { flex-direction: column; align-items: flex-start; text-align: left; }
  .product-spotlight__feature-grid { grid-template-columns: 1fr; }
  .product-spotlight__actions { flex-direction: column; }
  .product-spotlight__actions .btn { width: 100%; justify-content: center; }
  .product-spotlight__card-top { flex-direction: column; align-items: flex-start; }
  .product-spotlight__metrics { grid-template-columns: 1fr 1fr; }
  .product-spotlight__flow { padding: var(--sp-3); }
  .faq__a-inner { padding: 0 var(--sp-4) var(--sp-4); }
  .card, .product-card, .product-spotlight__main, .product-spotlight__card, .tcard { padding: var(--sp-5); }
  .product-spotlight__actions { flex-direction: column; }
  .product-spotlight__actions .btn { width: 100%; justify-content: center; }
  /* Bottom app banner: compact, never overflow */
  .appbanner { gap: var(--sp-3); padding: var(--sp-3); }
  .appbanner__icon { width: 38px; height: 38px; }
}

/* ---- Very small phones (≤ 400px) ---- */
@media (max-width: 400px) {
  .hero__phones { max-width: 256px; min-height: 320px; }
  .hero__trust { gap: var(--sp-4); }
  .footer__bottom { justify-content: center; text-align: center; }
  .footer__bottom-links { margin-left: 0; justify-content: center; }
  .appbanner__text strong { font-size: 0.78rem; }
  .appbanner__actions .btn--sm { padding: 0.5rem 0.75rem; }
  .breadcrumb { flex-wrap: wrap; }
}

/* ---- Large / ultra-wide desktops: keep content from feeling sparse ---- */
@media (min-width: 1600px) {
  .hero__grid { gap: var(--sp-8); }
}