/* ================================================================
   FAIR FUNDS SECURE — Design System
   Aesthetic: Refined Luxury Banking · Navy · Gold · Cream
   Fonts: Cormorant Garamond (display) + Cabinet Grotesk (body)
   ================================================================ */

/* ─── RESET ─── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-body);color:var(--ink);background:var(--bg);overflow-x:hidden;line-height:1.65}
img{display:block;max-width:100%;height:auto}
a{text-decoration:none;color:inherit}
ul{list-style:none}
button{font-family:var(--font-body);cursor:pointer;border:none;background:none}
input,select,textarea{font-family:var(--font-body)}

/* ─── DESIGN TOKENS ─── */
:root {
  /* Brand palette */
  --navy:        #07192E;
  --navy-80:     #0D2540;
  --navy-60:     #1A3A5C;
  --navy-20:     #D0DCE8;
  --gold:        #C49A3C;
  --gold-light:  #E2B95A;
  --gold-pale:   #FAF3E0;
  --gold-dark:   #96721C;
  --cream:       #FDFBF6;
  --cream-dark:  #F5F0E8;
  --ink:         #111827;
  --ink-60:      #4B5563;
  --ink-30:      #9CA3AF;
  --white:       #FFFFFF;
  --success:     #065F46;
  --success-bg:  #ECFDF5;
  --error:       #991B1B;

  /* Neutrals */
  --border:      rgba(10,30,60,.10);
  --border-gold: rgba(196,154,60,.25);
  --shadow-sm:   0 2px 8px rgba(7,25,46,.07);
  --shadow-md:   0 8px 32px rgba(7,25,46,.12);
  --shadow-lg:   0 20px 60px rgba(7,25,46,.18);
  --shadow-xl:   0 32px 80px rgba(7,25,46,.24);

  /* Typography */
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'DM Sans', 'Helvetica Neue', sans-serif;

  /* Spacing scale */
  --s1:4px;--s2:8px;--s3:12px;--s4:16px;--s5:20px;--s6:24px;
  --s8:32px;--s10:40px;--s12:48px;--s16:64px;--s20:80px;--s24:96px;

  /* Borders */
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-xl: 32px;
  --r-full: 9999px;

  /* Transitions */
  --ease: cubic-bezier(.4,0,.2,1);
  --t-fast: 180ms;
  --t-mid:  320ms;
  --t-slow: 500ms;

  /* Layout */
  --max-w: 1200px;
  --nav-h: 72px;
}

/* ─── UTILITY ─── */
.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 var(--s6)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

/* ─── TYPOGRAPHY SCALE ─── */
.t-hero  {font-family:var(--font-display);font-size:clamp(3rem,6vw,5.5rem);font-weight:600;line-height:1.05;letter-spacing:-.02em}
.t-h1    {font-family:var(--font-display);font-size:clamp(2.2rem,4vw,3.8rem);font-weight:600;line-height:1.1;letter-spacing:-.015em}
.t-h2    {font-family:var(--font-display);font-size:clamp(1.8rem,3vw,2.8rem);font-weight:600;line-height:1.15;letter-spacing:-.01em}
.t-h3    {font-family:var(--font-display);font-size:clamp(1.3rem,2vw,1.9rem);font-weight:600;line-height:1.2}
.t-h4    {font-family:var(--font-display);font-size:1.25rem;font-weight:600;line-height:1.25}
.t-lead  {font-size:1.1rem;line-height:1.75;color:var(--ink-60)}
.t-body  {font-size:.95rem;line-height:1.7;color:var(--ink-60)}
.t-small {font-size:.82rem;line-height:1.6;color:var(--ink-30)}
.t-label {font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.gold-text{color:var(--gold)}
.navy-text{color:var(--navy)}

/* ─── TOPBAR ─── */
.topbar{
  background:var(--navy);
  border-bottom:1px solid rgba(255,255,255,.06);
  padding:10px 0;
  font-size:.78rem;
}
.topbar-inner{
  display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;
}
.topbar-left,.topbar-right{display:flex;align-items:center;gap:20px;}
.topbar a,.topbar span{
  color:rgba(255,255,255,.55);display:flex;align-items:center;gap:6px;
  transition:color var(--t-fast) var(--ease);
}
.topbar a:hover{color:var(--gold-light)}
.topbar i{color:var(--gold);font-size:.72rem}
.topbar-divider{width:1px;height:14px;background:rgba(255,255,255,.12)}

/* ─── NAVBAR ─── */
.navbar{
  position:sticky;top:0;z-index:1000;
  height:var(--nav-h);
  background:rgba(7,25,46,.97);
  backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border-gold);
  transition:box-shadow var(--t-mid) var(--ease);
}
.navbar.scrolled{box-shadow:0 4px 40px rgba(0,0,0,.35)}
.nav-inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:16px}

/* Logo */
.logo{display:flex;align-items:center;gap:12px;flex-shrink:0}
.logo-mark{
  width:42px;height:42px;border-radius:10px;
  background:linear-gradient(135deg,var(--gold-dark),var(--gold));
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.logo-mark svg{width:22px;height:22px}
.logo-wordmark{display:flex;flex-direction:column;line-height:1}
.logo-name{font-family:var(--font-display);font-size:1.35rem;font-weight:700;color:var(--white);letter-spacing:-.01em}
.logo-tag{font-size:.58rem;letter-spacing:.18em;color:var(--gold);font-weight:600;text-transform:uppercase;margin-top:2px}

/* Nav links */
.nav-menu{display:flex;align-items:center;gap:2px}
.nav-link{
  color:rgba(255,255,255,.7);font-size:.88rem;font-weight:500;
  padding:8px 14px;border-radius:var(--r-sm);
  transition:color var(--t-fast),background var(--t-fast);
  position:relative;
}
.nav-link:hover{color:var(--white);background:rgba(255,255,255,.06)}
.nav-link.active{color:var(--white)}
.nav-link.active::after{
  content:'';position:absolute;bottom:-1px;left:14px;right:14px;
  height:2px;background:var(--gold);border-radius:2px 2px 0 0;
}

/* Dropdown */
.nav-item{position:relative}
.nav-dropdown{
  position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%);
  min-width:220px;background:var(--navy-80);border:1px solid var(--border-gold);
  border-radius:var(--r-md);padding:8px;
  opacity:0;visibility:hidden;transform:translateX(-50%) translateY(-6px);
  transition:opacity var(--t-fast),transform var(--t-fast),visibility var(--t-fast);
  box-shadow:var(--shadow-lg);
}
.nav-item:hover .nav-dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.nav-dropdown-item{
  display:flex;align-items:center;gap:10px;
  padding:10px 14px;border-radius:var(--r-sm);
  color:rgba(255,255,255,.7);font-size:.85rem;
  transition:background var(--t-fast),color var(--t-fast);
}
.nav-dropdown-item:hover{background:rgba(255,255,255,.07);color:var(--white)}
.nav-dropdown-item i{width:16px;color:var(--gold);font-size:.8rem;flex-shrink:0}

/* CTA button */
.nav-cta{
  display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  color:var(--navy);font-weight:700;font-size:.85rem;
  padding:10px 20px;border-radius:var(--r-full);
  transition:transform var(--t-fast),box-shadow var(--t-fast);
  box-shadow:0 2px 12px rgba(196,154,60,.35);
  margin-left:8px;white-space:nowrap;
}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(196,154,60,.45)}

/* Burger */
.burger{display:none;flex-direction:column;gap:5px;padding:6px;z-index:1001}
.burger span{display:block;width:22px;height:2px;background:var(--white);border-radius:2px;transition:var(--t-mid) var(--ease)}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ─── BUTTONS ─── */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  font-weight:600;border-radius:var(--r-full);
  transition:transform var(--t-fast),box-shadow var(--t-fast),background var(--t-fast);
  white-space:nowrap;cursor:pointer;border:none;
}
.btn-lg {padding:16px 36px;font-size:1rem}
.btn-md {padding:13px 28px;font-size:.92rem}
.btn-sm {padding:9px 20px;font-size:.82rem}

.btn-gold{
  background:linear-gradient(135deg,var(--gold-light),var(--gold-dark));
  color:var(--navy);box-shadow:0 4px 16px rgba(196,154,60,.3);
}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(196,154,60,.45)}

.btn-navy{background:var(--navy);color:var(--white);box-shadow:var(--shadow-sm)}
.btn-navy:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);background:var(--navy-80)}

.btn-outline{
  background:transparent;color:var(--navy);
  border:2px solid var(--navy);
}
.btn-outline:hover{background:var(--navy);color:var(--white)}

.btn-outline-white{
  background:transparent;color:var(--white);
  border:2px solid rgba(255,255,255,.35);
}
.btn-outline-white:hover{border-color:var(--gold);color:var(--gold)}

.btn-full{width:100%;justify-content:center}

/* ─── SECTION HEADER ─── */
.section-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--gold-pale);border:1px solid var(--border-gold);
  color:var(--gold-dark);padding:6px 16px;border-radius:var(--r-full);
  font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  margin-bottom:18px;
}
.section-eyebrow i{font-size:.65rem}
.section-head{margin-bottom:56px}
.section-head.center{text-align:center}
.section-head.center .t-lead{max-width:580px;margin:14px auto 0}
.section-head .t-lead{margin-top:14px;max-width:560px}
.gold-line{
  display:inline-block;width:48px;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light));
  border-radius:3px;margin:16px 0;
}
.center .gold-line{display:block;margin:16px auto}

/* ─── HERO ─── */
.hero{
  background:var(--navy);position:relative;overflow:hidden;
  padding:var(--s24) 0 var(--s20);
}
.hero-bg-pattern{
  position:absolute;inset:0;pointer-events:none;
  background-image:
    radial-gradient(ellipse 80% 60% at 70% 40%,rgba(196,154,60,.08) 0%,transparent 70%),
    radial-gradient(ellipse 60% 80% at 20% 80%,rgba(196,154,60,.05) 0%,transparent 70%);
}
.hero-grid-pattern{
  position:absolute;inset:0;pointer-events:none;opacity:.04;
  background-image:linear-gradient(rgba(255,255,255,.6) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.6) 1px,transparent 1px);
  background-size:60px 60px;
}
.hero-content-wrap{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:24px}
.hero-badge{
  display:flex;align-items:center;gap:6px;
  background:rgba(196,154,60,.12);border:1px solid rgba(196,154,60,.25);
  color:var(--gold-light);padding:6px 14px;border-radius:var(--r-full);
  font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
}
.hero-badge i{font-size:.65rem}
.hero h1{color:var(--white);margin-bottom:24px}
.hero h1 .accent{color:var(--gold)}
.hero h1 .line-under{
  position:relative;display:inline-block;
}
.hero h1 .line-under::after{
  content:'';position:absolute;bottom:-4px;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:3px;
}
.hero-desc{color:rgba(255,255,255,.65);font-size:1.05rem;line-height:1.8;margin-bottom:36px;max-width:480px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px}
.hero-stats{display:flex;gap:32px;flex-wrap:wrap}
.hero-stat-item{}
.hero-stat-num{
  font-family:var(--font-display);font-size:2.2rem;font-weight:600;
  color:var(--gold);line-height:1;display:block;
}
.hero-stat-lbl{font-size:.72rem;color:rgba(255,255,255,.45);letter-spacing:.06em;margin-top:4px;display:block}

/* Hero image panel */
.hero-visual{position:relative}
.hero-img-frame{
  border-radius:var(--r-xl);overflow:hidden;position:relative;
  border:1px solid rgba(255,255,255,.08);
  box-shadow:0 40px 80px rgba(0,0,0,.5);
}
.hero-img-frame img{width:100%;height:480px;object-fit:cover;display:block}
.hero-img-frame::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(to top,rgba(7,25,46,.8) 0%,rgba(7,25,46,.1) 50%,transparent 100%);
}
.hero-img-data{
  position:absolute;bottom:24px;left:24px;right:24px;z-index:2;
  background:rgba(255,255,255,.08);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);
  padding:18px 22px;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;
}
.hero-img-stat{text-align:center}
.hero-img-stat .n{
  font-family:var(--font-display);font-size:1.4rem;color:var(--gold);font-weight:600;display:block;
}
.hero-img-stat .l{font-size:.68rem;color:rgba(255,255,255,.5);margin-top:2px;display:block}
.hero-float-badge{
  position:absolute;top:24px;right:-16px;z-index:3;
  background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  color:var(--navy);padding:10px 18px;border-radius:var(--r-md);
  font-size:.8rem;font-weight:700;
  box-shadow:0 8px 24px rgba(196,154,60,.5);
  display:flex;align-items:center;gap:6px;
}

/* ─── TRUST STRIP ─── */
.trust-strip{
  background:var(--white);border-bottom:1px solid var(--border);
  padding:16px 0;
}
.trust-strip-inner{display:flex;align-items:center;justify-content:center;gap:36px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:9px;color:var(--ink-60);font-size:.82rem;font-weight:500}
.trust-item i{color:var(--gold);font-size:1rem}
.trust-sep{width:1px;height:20px;background:var(--border)}

/* ─── CARDS ─── */
.card{background:var(--white);border-radius:var(--r-lg);border:1px solid var(--border);transition:transform var(--t-mid),box-shadow var(--t-mid)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card-gold-top::before{content:'';display:block;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:var(--r-lg) var(--r-lg) 0 0;margin:-1px -1px 0}

/* ─── SERVICE CARDS ─── */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.service-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);
  padding:36px 28px;position:relative;overflow:hidden;
  transition:transform var(--t-mid),box-shadow var(--t-mid),border-color var(--t-mid);
}
.service-card::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(196,154,60,.04) 0%,transparent 60%);
  opacity:0;transition:opacity var(--t-mid);
}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--border-gold)}
.service-card:hover::after{opacity:1}
.service-icon-wrap{
  width:56px;height:56px;border-radius:var(--r-md);
  background:var(--gold-pale);display:flex;align-items:center;justify-content:center;
  margin-bottom:20px;font-size:1.4rem;color:var(--gold);
  transition:background var(--t-mid),color var(--t-mid);
}
.service-card:hover .service-icon-wrap{background:var(--gold);color:var(--white)}
.service-card h3{color:var(--navy);margin-bottom:10px}
.service-card p{color:var(--ink-60);font-size:.88rem;line-height:1.65;margin-bottom:20px}
.service-rate-band{
  display:flex;justify-content:space-between;align-items:center;
  padding:12px 14px;background:var(--cream-dark);border-radius:var(--r-sm);
  margin-bottom:16px;font-size:.8rem;
}
.service-rate-band .rate-val{font-family:var(--font-display);font-size:1.1rem;color:var(--gold);font-weight:600}
.service-rate-band .rate-lbl{color:var(--ink-30)}
.service-link{color:var(--gold);font-weight:600;font-size:.83rem;display:inline-flex;align-items:center;gap:6px;transition:gap var(--t-fast)}
.service-link:hover{gap:10px}

/* ─── PROCESS STEPS ─── */
.steps-timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps-timeline::before{
  content:'';position:absolute;top:36px;left:calc(12.5%);right:calc(12.5%);height:2px;
  background:linear-gradient(90deg,var(--gold) 0%,rgba(196,154,60,.2) 100%);
}
.step-item{text-align:center;padding:0 16px;position:relative}
.step-num{
  width:72px;height:72px;border-radius:50%;
  background:var(--navy);color:var(--gold);
  font-family:var(--font-display);font-size:1.6rem;font-weight:600;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 24px;border:3px solid var(--border-gold);
  position:relative;z-index:1;
  transition:background var(--t-mid),border-color var(--t-mid);
}
.step-item:hover .step-num{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.step-item h4{color:var(--navy);margin-bottom:8px}
.step-item p{color:var(--ink-60);font-size:.84rem;line-height:1.6}

/* ─── STATS BAND ─── */
.stats-band{background:var(--navy);position:relative;overflow:hidden;padding:72px 0}
.stats-band::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 80% at 20% 50%,rgba(196,154,60,.06) 0%,transparent 70%);
}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
.stat-block{text-align:center;padding:24px;border-right:1px solid rgba(255,255,255,.06)}
.stat-block:last-child{border-right:none}
.stat-num{
  font-family:var(--font-display);font-size:clamp(2.4rem,4vw,3.5rem);
  color:var(--gold);font-weight:600;line-height:1;display:block;
}
.stat-lbl{color:rgba(255,255,255,.45);font-size:.8rem;letter-spacing:.06em;margin-top:8px;display:block}

/* ─── TESTIMONIALS ─── */
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.testimonial-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:32px;position:relative;
  transition:transform var(--t-mid),box-shadow var(--t-mid);
}
.testimonial-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.quote-mark{
  font-family:var(--font-display);font-size:5rem;line-height:.7;
  color:var(--gold-pale);position:absolute;top:20px;left:24px;
  pointer-events:none;user-select:none;
}
.testimonial-stars{color:var(--gold);font-size:.78rem;margin-bottom:16px}
.testimonial-text{color:var(--ink-60);font-size:.9rem;line-height:1.75;margin-bottom:24px;font-style:italic}
.testimonial-author{display:flex;align-items:center;gap:12px}
.author-ava{
  width:44px;height:44px;border-radius:50%;overflow:hidden;flex-shrink:0;
  background:var(--gold-pale);display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:1.1rem;color:var(--gold);font-weight:600;
}
.author-ava img{width:100%;height:100%;object-fit:cover}
.author-name{font-weight:700;color:var(--navy);font-size:.88rem}
.author-role{font-size:.74rem;color:var(--ink-30)}

/* ─── CTA BAND ─── */
.cta-band{
  background:linear-gradient(135deg,var(--gold-dark) 0%,var(--gold) 50%,var(--gold-light) 100%);
  padding:80px 0;position:relative;overflow:hidden;
}
.cta-band::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M0 20 L20 0 L40 20 L20 40Z' fill='none' stroke='rgba(7,25,46,.05)' stroke-width='1'/%3E%3C/svg%3E");
}
.cta-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.cta-band h2{color:var(--navy);margin-bottom:10px}
.cta-band p{color:rgba(7,25,46,.65);font-size:1rem}

/* ─── ABOUT GRID ─── */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.about-img-col{position:relative}
.about-img-main{
  width:100%;height:520px;object-fit:cover;
  border-radius:var(--r-xl);box-shadow:var(--shadow-xl);
}
.about-img-accent{
  position:absolute;bottom:-28px;right:-28px;
  width:200px;height:200px;object-fit:cover;
  border-radius:var(--r-lg);border:6px solid var(--cream);
  box-shadow:var(--shadow-lg);
}
.about-badge{
  position:absolute;top:32px;left:-24px;
  background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  color:var(--navy);border-radius:var(--r-lg);
  padding:20px 26px;text-align:center;box-shadow:var(--shadow-lg);
}
.about-badge .big{font-family:var(--font-display);font-size:2.4rem;font-weight:600;line-height:1;display:block}
.about-badge .small{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-top:4px;display:block}
.about-features{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:28px}
.about-feature{display:flex;align-items:flex-start;gap:12px}
.af-icon{
  width:38px;height:38px;border-radius:var(--r-sm);flex-shrink:0;
  background:var(--gold-pale);display:flex;align-items:center;justify-content:center;
  color:var(--gold);font-size:.9rem;
}
.af-title{font-weight:700;color:var(--navy);font-size:.88rem;margin-bottom:3px}
.af-desc{color:var(--ink-60);font-size:.78rem;line-height:1.5}

/* ─── VALUES GRID ─── */
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.value-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:28px;
  border-left:4px solid var(--gold);
  transition:transform var(--t-mid),box-shadow var(--t-mid);
}
.value-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.value-card i{font-size:1.6rem;color:var(--gold);margin-bottom:14px;display:block}
.value-card h4{color:var(--navy);margin-bottom:8px}
.value-card p{color:var(--ink-60);font-size:.84rem;line-height:1.6}

/* ─── TEAM ─── */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.team-card{text-align:center}
.team-photo{
  width:110px;height:110px;border-radius:50%;overflow:hidden;margin:0 auto 16px;
  border:3px solid var(--border-gold);box-shadow:var(--shadow-sm);
}
.team-photo img{width:100%;height:100%;object-fit:cover;object-position:top}
.team-name{font-weight:700;color:var(--navy);font-size:.92rem}
.team-role{color:var(--gold);font-size:.75rem;font-weight:600;margin:3px 0}
.team-bio{color:var(--ink-30);font-size:.76rem;line-height:1.5}

/* ─── TIMELINE ─── */
.timeline{border-left:2px solid var(--border-gold);padding-left:32px;margin-top:24px}
.tl-item{position:relative;margin-bottom:32px}
.tl-dot{
  position:absolute;left:-41px;top:4px;
  width:18px;height:18px;border-radius:50%;
  background:var(--gold);border:3px solid var(--cream);
  box-shadow:0 0 0 2px var(--border-gold);
}
.tl-year{font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.tl-title{font-weight:700;color:var(--navy);font-size:.92rem;margin-bottom:4px}
.tl-desc{color:var(--ink-60);font-size:.82rem;line-height:1.6}

/* ─── PAGE HERO ─── */
.page-hero{
  background:var(--navy);padding:80px 0 72px;
  position:relative;overflow:hidden;text-align:center;
}
.page-hero::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 70% 60% at 50% 100%,rgba(196,154,60,.08) 0%,transparent 70%);
}
.page-hero-content{position:relative}
.breadcrumb{
  display:flex;align-items:center;justify-content:center;
  gap:8px;margin-bottom:16px;
}
.breadcrumb a,.breadcrumb span{font-size:.78rem;color:rgba(255,255,255,.4)}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb i{font-size:.55rem;color:rgba(255,255,255,.25)}
.page-hero h1{color:var(--white);margin-bottom:16px}
.page-hero h1 .accent{color:var(--gold)}
.page-hero p{color:rgba(255,255,255,.6);max-width:560px;margin:0 auto;font-size:1rem}

/* ─── LOAN DETAIL ─── */
.loan-page-layout{display:grid;grid-template-columns:1fr 360px;gap:40px;align-items:start}
.loan-detail-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:32px;margin-bottom:20px;
  transition:box-shadow var(--t-mid);
}
.loan-detail-card:hover{box-shadow:var(--shadow-md)}
.loan-card-head{display:flex;align-items:flex-start;gap:18px;margin-bottom:16px}
.loan-card-head .service-icon-wrap{margin-bottom:0;flex-shrink:0}
.loan-card-head h3{color:var(--navy)}
.loan-card-head p{color:var(--ink-60);font-size:.86rem;line-height:1.6;margin-top:4px}
.loan-tags{display:flex;gap:7px;flex-wrap:wrap;margin:14px 0}
.tag{
  background:var(--gold-pale);color:var(--gold-dark);
  font-size:.68rem;font-weight:700;padding:4px 12px;border-radius:var(--r-full);
  letter-spacing:.04em;
}
.loan-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0}
.kpi-box{background:var(--cream-dark);border-radius:var(--r-md);padding:14px;text-align:center}
.kpi-val{font-family:var(--font-display);font-size:1.2rem;color:var(--navy);font-weight:600;display:block;line-height:1.2}
.kpi-lbl{font-size:.68rem;color:var(--ink-30);margin-top:4px;display:block}
.loan-advantages{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:16px 0}
.adv-item{display:flex;align-items:flex-start;gap:8px;font-size:.82rem;color:var(--ink-60);line-height:1.5}
.adv-item i{color:var(--gold);font-size:.7rem;margin-top:3px;flex-shrink:0}
.loan-legal{
  font-size:.7rem;color:var(--ink-30);line-height:1.6;
  padding-top:14px;border-top:1px solid var(--border);margin-top:16px;
}
.loan-card-footer{
  display:flex;align-items:center;gap:14px;flex-wrap:wrap;
  padding-top:16px;border-top:1px solid var(--border);margin-top:16px;
}

/* ─── CALCULATOR ─── */
.calc-sticky{position:sticky;top:calc(var(--nav-h) + 20px)}
.calc-box{
  background:var(--navy);border-radius:var(--r-xl);
  padding:36px;color:var(--white);
  border:1px solid var(--border-gold);
}
.calc-title{
  font-family:var(--font-display);font-size:1.5rem;color:var(--gold);
  margin-bottom:6px;
}
.calc-subtitle{font-size:.8rem;color:rgba(255,255,255,.4);margin-bottom:28px}
.calc-field{margin-bottom:22px}
.calc-field-head{
  display:flex;justify-content:space-between;align-items:center;
  font-size:.78rem;color:rgba(255,255,255,.55);margin-bottom:8px;font-weight:500;
}
.calc-val{color:var(--gold);font-weight:700;font-size:.88rem}
input[type="range"]{
  width:100%;height:4px;border-radius:2px;
  accent-color:var(--gold);cursor:pointer;
  background:rgba(255,255,255,.12);
}
.calc-range-hints{
  display:flex;justify-content:space-between;
  font-size:.65rem;color:rgba(255,255,255,.25);margin-top:5px;
}
.calc-result{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);
  border-radius:var(--r-md);padding:20px;margin-top:24px;
}
.calc-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;border-bottom:1px solid rgba(255,255,255,.06);
  font-size:.84rem;
}
.calc-row:last-child{border-bottom:none}
.calc-row-lbl{color:rgba(255,255,255,.5)}
.calc-row-val{color:var(--gold);font-weight:600}
.calc-total-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:14px 0 0;margin-top:8px;border-top:1px solid rgba(255,255,255,.12);
}
.calc-total-lbl{color:rgba(255,255,255,.75);font-weight:600}
.calc-total-val{
  font-family:var(--font-display);font-size:1.6rem;color:var(--gold);font-weight:600;
}
.calc-disclaimer{
  font-size:.67rem;color:rgba(255,255,255,.25);text-align:center;
  line-height:1.6;margin-top:14px;
}
.calc-trust-row{
  display:flex;justify-content:center;gap:16px;margin-top:14px;flex-wrap:wrap;
}
.calc-trust-item{
  font-size:.68rem;color:rgba(255,255,255,.35);
  display:flex;align-items:center;gap:5px;
}
.calc-trust-item i{color:var(--gold);font-size:.65rem}

/* ─── COMPARISON TABLE ─── */
.table-scroll{overflow-x:auto;border-radius:var(--r-lg);box-shadow:var(--shadow-md)}
.comp-table{width:100%;border-collapse:collapse;background:var(--white);font-size:.85rem;min-width:700px}
.comp-table thead{background:var(--navy)}
.comp-table thead th{
  color:rgba(255,255,255,.6);padding:14px 18px;text-align:left;
  font-weight:600;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;
  white-space:nowrap;
}
.comp-table thead th:first-child{border-radius:var(--r-lg) 0 0 0}
.comp-table thead th:last-child{border-radius:0 var(--r-lg) 0 0}
.comp-table tbody tr{border-bottom:1px solid var(--border);transition:background var(--t-fast)}
.comp-table tbody tr:hover{background:var(--gold-pale)}
.comp-table tbody tr:last-child{border-bottom:none}
.comp-table td{padding:14px 18px;vertical-align:middle;color:var(--ink)}
.comp-table td strong{color:var(--navy)}
.comp-table td i{color:var(--gold);margin-right:8px;font-size:.8rem}
.badge-green{
  display:inline-block;background:var(--success-bg);color:var(--success);
  font-size:.68rem;font-weight:700;padding:3px 10px;border-radius:var(--r-full);
}
.table-cta{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--gold);color:var(--navy);
  font-size:.75rem;font-weight:700;
  padding:7px 14px;border-radius:var(--r-full);
  transition:transform var(--t-fast),box-shadow var(--t-fast);
}
.table-cta:hover{transform:translateY(-1px);box-shadow:0 4px 12px rgba(196,154,60,.4)}

/* ─── FAQ ─── */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border:1px solid var(--border);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden}
.faq-q{
  padding:20px 24px;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;
  font-weight:600;color:var(--navy);background:var(--white);
  transition:background var(--t-fast);gap:12px;font-size:.92rem;
}
.faq-q:hover{background:var(--cream)}
.faq-icon{
  width:28px;height:28px;border-radius:50%;flex-shrink:0;
  background:var(--gold-pale);display:flex;align-items:center;justify-content:center;
  color:var(--gold);font-size:.75rem;transition:transform var(--t-mid),background var(--t-mid);
}
.faq-q.open .faq-icon{transform:rotate(45deg);background:var(--gold);color:var(--white)}
.faq-a{
  max-height:0;overflow:hidden;
  transition:max-height .4s var(--ease),padding .3s;
  color:var(--ink-60);font-size:.88rem;line-height:1.75;
  padding:0 24px;
}
.faq-a.open{max-height:400px;padding:0 24px 22px}

/* ─── FORM ─── */
.form-layout{display:grid;grid-template-columns:1fr 340px;gap:36px;align-items:start}
.form-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-xl);padding:48px;box-shadow:var(--shadow-sm);
}
.form-card h2{color:var(--navy);margin-bottom:8px}
.form-card-intro{color:var(--ink-60);font-size:.88rem;margin-bottom:32px;line-height:1.6}
.form-section-head{
  display:flex;align-items:center;gap:10px;
  grid-column:1/-1;padding-bottom:10px;
  border-bottom:1px solid var(--border);margin-bottom:4px;
}
.form-section-head i{color:var(--gold);font-size:.85rem}
.form-section-head span{
  font-size:.72rem;font-weight:700;text-transform:uppercase;
  letter-spacing:.12em;color:var(--gold-dark);
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-group{display:flex;flex-direction:column;gap:6px}
.form-group.full{grid-column:1/-1}
.form-label{
  font-size:.78rem;font-weight:700;color:var(--navy);
  display:flex;align-items:center;gap:5px;
}
.form-req{color:var(--gold)}
.form-input,
.form-select,
.form-textarea{
  padding:12px 16px;border:1.5px solid var(--border);
  border-radius:var(--r-md);font-family:var(--font-body);
  font-size:.9rem;color:var(--ink);background:var(--white);
  transition:border-color var(--t-fast),box-shadow var(--t-fast);width:100%;
}
.form-input:focus,.form-select:focus,.form-textarea:focus{
  outline:none;border-color:var(--gold);
  box-shadow:0 0 0 3px rgba(196,154,60,.12);
}
.form-textarea{resize:vertical;min-height:88px}
.form-hint{font-size:.7rem;color:var(--ink-30);line-height:1.5}
.form-notice{
  grid-column:1/-1;
  background:var(--gold-pale);border-left:4px solid var(--gold);
  border-radius:var(--r-md);padding:14px 18px;
  font-size:.8rem;color:var(--ink-60);line-height:1.65;
}
.form-notice i{color:var(--gold);margin-right:6px}
.form-notice a{color:var(--gold-dark);font-weight:600}
.checkbox-row{grid-column:1/-1;display:flex;align-items:flex-start;gap:10px}
.checkbox-row input[type="checkbox"]{
  width:17px;height:17px;margin-top:2px;flex-shrink:0;
  accent-color:var(--gold);cursor:pointer;
}
.checkbox-row label{font-size:.82rem;color:var(--ink-60);line-height:1.55;cursor:pointer}
.checkbox-row label a{color:var(--gold-dark);font-weight:600}
.form-submit-area{grid-column:1/-1;margin-top:8px}
.form-submit-note{
  display:flex;align-items:center;justify-content:center;gap:6px;
  margin-top:10px;font-size:.72rem;color:var(--ink-30);
}
.form-submit-note i{color:var(--gold)}

/* Sidebar */
.form-sidebar-col{display:flex;flex-direction:column;gap:16px}
.sidebar-block{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:24px;
}
.sidebar-block h4{color:var(--navy);margin-bottom:14px;font-size:.95rem}
.sidebar-block h4 i{color:var(--gold);margin-right:8px}
.sidebar-checklist li{
  display:flex;align-items:flex-start;gap:9px;
  font-size:.82rem;color:var(--ink-60);margin-bottom:9px;line-height:1.5;
}
.sidebar-checklist li i{color:var(--gold);font-size:.7rem;margin-top:3px;flex-shrink:0}
.sidebar-rates-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}
.rate-box{background:var(--gold-pale);border-radius:var(--r-md);padding:14px;text-align:center}
.rate-box .rv{font-family:var(--font-display);font-size:1.6rem;color:var(--gold);font-weight:600;display:block}
.rate-box .rl{font-size:.68rem;color:var(--ink-30);margin-top:3px;display:block}
.sidebar-dark{background:var(--navy);border-color:transparent}
.sidebar-dark h4{color:var(--gold)}
.sidebar-dark p{color:rgba(255,255,255,.55);font-size:.82rem;line-height:1.6;margin-bottom:12px}
.sidebar-dark a{color:var(--gold-light)}
.wa-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:#25D366;color:white;padding:10px 18px;
  border-radius:var(--r-full);font-size:.82rem;font-weight:700;
  transition:transform var(--t-fast);
}
.wa-btn:hover{transform:translateY(-1px)}

/* Trust bar for form */
.form-trust-bar{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:28px}
.ftb-item{
  display:flex;align-items:center;gap:7px;
  background:var(--white);border:1px solid var(--border);
  padding:8px 14px;border-radius:var(--r-full);
  font-size:.76rem;color:var(--ink-60);font-weight:500;white-space:nowrap;
}
.ftb-item i{color:var(--gold)}

/* ─── HOW IT WORKS ─── */
.hiw-phase{margin-bottom:64px}
.hiw-phase-title{
  display:flex;align-items:center;gap:12px;
  font-family:var(--font-display);color:var(--navy);font-size:1.5rem;
  margin-bottom:28px;padding-bottom:14px;border-bottom:2px solid var(--gold-pale);
}
.hiw-phase-title i{color:var(--gold)}
.hiw-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hiw-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-md);padding:22px;
  display:flex;gap:14px;align-items:flex-start;
  transition:transform var(--t-mid),box-shadow var(--t-mid);
}
.hiw-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.hiw-num{
  width:42px;height:42px;border-radius:var(--r-sm);flex-shrink:0;
  background:var(--navy);color:var(--gold);
  font-family:var(--font-display);font-size:1.1rem;font-weight:600;
  display:flex;align-items:center;justify-content:center;
}
.hiw-card h4{font-weight:700;color:var(--navy);font-size:.88rem;margin-bottom:5px}
.hiw-card p{color:var(--ink-60);font-size:.8rem;line-height:1.6}
.docs-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.doc-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:24px;text-align:center;
  transition:transform var(--t-mid);
}
.doc-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.doc-icon{
  width:52px;height:52px;border-radius:var(--r-md);
  background:var(--gold-pale);display:flex;align-items:center;justify-content:center;
  margin:0 auto 16px;font-size:1.3rem;color:var(--gold);
}
.doc-card h4{color:var(--navy);margin-bottom:10px;font-size:.9rem}
.doc-card ul li{
  font-size:.78rem;color:var(--ink-60);
  padding:5px 0;border-bottom:1px solid var(--border);
  display:flex;align-items:flex-start;gap:7px;text-align:left;
}
.doc-card ul li:last-child{border-bottom:none}
.doc-card ul li i{color:var(--gold);font-size:.65rem;margin-top:3px;flex-shrink:0}

/* ─── THANK YOU ─── */
.ty-section{min-height:70vh;display:flex;align-items:center;padding:80px 0;background:var(--cream-dark)}
.ty-card{
  background:var(--white);border-radius:var(--r-xl);
  padding:64px 52px;text-align:center;
  box-shadow:var(--shadow-xl);max-width:660px;margin:0 auto;
}
.ty-icon{
  width:88px;height:88px;border-radius:50%;background:var(--success-bg);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 28px;font-size:2.4rem;color:var(--success);
}
.ty-ref{
  display:inline-block;background:var(--gold-pale);color:var(--gold-dark);
  font-weight:700;padding:9px 22px;border-radius:var(--r-full);
  font-size:.85rem;margin:16px 0 24px;letter-spacing:.04em;
}
.ty-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:28px 0;text-align:left}
.ty-step{background:var(--cream-dark);border-radius:var(--r-md);padding:16px}
.ty-step-n{
  width:26px;height:26px;border-radius:50%;
  background:var(--navy);color:var(--gold);font-size:.76rem;font-weight:700;
  display:flex;align-items:center;justify-content:center;margin-bottom:10px;
}
.ty-step h5{font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:4px}
.ty-step p{font-size:.74rem;color:var(--ink-60);line-height:1.5}
.ty-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.cert-logos{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:32px}
.cert-logo{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-md);padding:8px 16px;
  font-size:.72rem;font-weight:700;color:var(--ink-60);white-space:nowrap;
}

/* ─── LEGAL FOOTER BAR ─── */
.legal-bar{
  background:var(--cream-dark);border-top:1px solid var(--border);padding:16px 0;
}
.legal-bar-text{font-size:.7rem;color:var(--ink-30);text-align:center;line-height:1.6;max-width:900px;margin:0 auto}
.legal-bar-text a{color:var(--gold-dark)}

/* ─── FOOTER ─── */
.footer{background:var(--navy);border-top:1px solid rgba(255,255,255,.06)}
.footer-main{padding:72px 0 48px}
.footer-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1.4fr;gap:48px}
.footer-brand{}
.footer-logo-wrap{display:flex;align-items:center;gap:11px;margin-bottom:18px}
.footer-desc{color:rgba(255,255,255,.45);font-size:.84rem;line-height:1.75;max-width:280px;margin-bottom:20px}
.footer-reg{
  font-size:.7rem;color:rgba(255,255,255,.25);line-height:1.6;
  border-top:1px solid rgba(255,255,255,.07);padding-top:16px;
}
.footer-socials{display:flex;gap:8px;margin-top:16px}
.footer-social-btn{
  width:36px;height:36px;border-radius:var(--r-sm);
  background:rgba(255,255,255,.06);display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.45);font-size:.85rem;
  transition:background var(--t-fast),color var(--t-fast);
}
.footer-social-btn:hover{background:var(--gold);color:var(--navy)}
.footer-col-title{
  color:var(--gold);font-size:.68rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px;
}
.footer-col ul li{margin-bottom:11px}
.footer-col ul li a{color:rgba(255,255,255,.45);font-size:.84rem;transition:color var(--t-fast)}
.footer-col ul li a:hover{color:var(--gold-light)}
.footer-contact-list li{
  display:flex;align-items:flex-start;gap:10px;
  color:rgba(255,255,255,.45);font-size:.82rem;margin-bottom:12px;line-height:1.55;
}
.footer-contact-list li i{color:var(--gold);width:13px;flex-shrink:0;margin-top:3px}
.footer-contact-list li a{color:inherit;transition:color var(--t-fast)}
.footer-contact-list li a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding:18px 0}
.footer-bottom-inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px}
.footer-bottom-inner p{color:rgba(255,255,255,.3);font-size:.76rem}
.footer-bottom-links{display:flex;gap:18px}
.footer-bottom-links a{color:rgba(255,255,255,.3);font-size:.76rem;transition:color var(--t-fast)}
.footer-bottom-links a:hover{color:var(--gold)}

/* ─── LEGAL / PRIVACY PAGES ─── */
.legal-content{max-width:860px;margin:0 auto;padding:72px 0}
.legal-content h2{color:var(--navy);margin:36px 0 14px;font-family:var(--font-display)}
.legal-content h3{color:var(--navy-60);margin:24px 0 10px;font-size:1.1rem}
.legal-content p{color:var(--ink-60);font-size:.92rem;line-height:1.8;margin-bottom:14px}
.legal-content ul{margin:10px 0 14px 20px}
.legal-content ul li{color:var(--ink-60);font-size:.9rem;line-height:1.75;margin-bottom:6px;list-style:disc}
.legal-content table{width:100%;border-collapse:collapse;margin:16px 0}
.legal-content table th{background:var(--navy);color:var(--gold);padding:10px 14px;text-align:left;font-size:.8rem}
.legal-content table td{border:1px solid var(--border);padding:10px 14px;font-size:.85rem;color:var(--ink-60)}
.legal-content table tr:nth-child(even) td{background:var(--cream-dark)}
.legal-highlight{
  background:var(--gold-pale);border-left:4px solid var(--gold);
  border-radius:var(--r-md);padding:16px 20px;margin:20px 0;
  font-size:.88rem;color:var(--ink-60);line-height:1.7;
}

/* ─── CONTACT PAGE ─── */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.contact-info-block{margin-bottom:32px}
.contact-info-block h4{color:var(--navy);margin-bottom:14px;display:flex;align-items:center;gap:10px}
.contact-info-block h4 i{color:var(--gold)}
.contact-info-block p,.contact-info-block a{color:var(--ink-60);font-size:.9rem;line-height:1.75}
.contact-info-block a:hover{color:var(--gold)}
.contact-map-placeholder{
  width:100%;height:300px;background:var(--cream-dark);
  border-radius:var(--r-lg);border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;flex-direction:column;gap:12px;
  color:var(--ink-30);margin-top:20px;
}

/* ─── ANIMATIONS ─── */
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes countUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.reveal{opacity:0}
.reveal.visible{animation:fadeUp .65s var(--ease) forwards}
.reveal-delay-1{animation-delay:.1s}
.reveal-delay-2{animation-delay:.2s}
.reveal-delay-3{animation-delay:.3s}
.reveal-delay-4{animation-delay:.4s}

/* ─── SECTION SPACING ─── */
.section-lg{padding:96px 0}
.section-md{padding:72px 0}
.section-sm{padding:48px 0}
.bg-cream{background:var(--cream-dark)}
.bg-white{background:var(--white)}
.bg-navy{background:var(--navy)}

/* ════════ RESPONSIVE ════════ */
@media(max-width:1100px){
  .services-grid,.testimonials-grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .loan-page-layout,.form-layout{grid-template-columns:1fr}
  .calc-sticky{position:static}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .hiw-cards{grid-template-columns:1fr 1fr}
  .docs-grid{grid-template-columns:repeat(2,1fr)}
  .values-grid{grid-template-columns:repeat(2,1fr)}
  .contact-grid{grid-template-columns:1fr}
}
@media(max-width:900px){
  .topbar{display:none}
  .hero-content-wrap{grid-template-columns:1fr;gap:48px}
  .hero-visual{display:none}
  .about-grid{grid-template-columns:1fr;gap:40px}
  .about-img-accent{display:none}
  .about-badge{left:0;top:auto;bottom:-20px}
  .nav-menu{
    display:none;position:fixed;top:var(--nav-h);left:0;right:0;bottom:0;
    background:rgba(7,25,46,.98);flex-direction:column;padding:28px 20px;
    gap:4px;z-index:999;overflow-y:auto;
  }
  .nav-menu.open{display:flex}
  .nav-link{padding:14px 16px;font-size:1rem;border-radius:var(--r-md)}
  .nav-cta{margin:12px 0 0;justify-content:center}
  .nav-dropdown{position:static;transform:none;min-width:auto;background:rgba(255,255,255,.05);border:none;box-shadow:none;opacity:1;visibility:visible;margin-top:4px}
  .nav-item:hover .nav-dropdown{transform:none}
  .burger{display:flex}
  .steps-timeline{grid-template-columns:repeat(2,1fr)}
  .steps-timeline::before{display:none}
}
@media(max-width:640px){
  .container{padding:0 16px}
  .section-lg{padding:64px 0}
  .section-md{padding:48px 0}
  .hero-content-wrap{padding:64px 0 48px}
  .services-grid,.testimonials-grid,.steps-timeline{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .hero-actions{flex-direction:column}
  .btn-lg{padding:14px 28px}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom-inner{flex-direction:column;text-align:center}
  .footer-bottom-links{justify-content:center}
  .about-features,.loan-advantages,.form-grid{grid-template-columns:1fr}
  .form-group.full{grid-column:auto}
  .form-card{padding:28px 20px}
  .ty-steps,.loan-kpis{grid-template-columns:1fr}
  .loan-kpis{grid-template-columns:1fr 1fr}
  .ty-actions{flex-direction:column}
  .hiw-cards,.docs-grid,.values-grid{grid-template-columns:1fr}
  .team-grid{grid-template-columns:1fr 1fr}
  .form-sidebar-col{display:block}
  .form-sidebar-col .sidebar-block{margin-bottom:16px}
  .cta-inner{flex-direction:column;text-align:center}
  .trust-strip-inner{gap:16px}
  .trust-sep{display:none}
  .form-trust-bar{gap:8px}
  .page-hero{padding:60px 0 52px}
  .legal-content{padding:48px 0}
  .ty-card{padding:40px 24px}
}