@import url("../vendor/fonts.css");

@font-face {
  font-family: "bootstrap-icons";
  src: url("../vendor/bootstrap-icons.woff2") format("woff2");
}

:root {
  --ink: #142449;
  --blue: #254bb7;
  --blue-deep: #182f78;
  --sky: #e9efff;
  --cream: #fbf9f4;
  --peach: #ffddd1;
  --mint: #ccefe0;
  --muted: #63708a;
  --line: #e7e8ed;
  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
  width: 100%;
}

body {
  font-family: var(--sans);
  color: var(--ink);
  background: #fff;
  overflow-x: hidden;
}

/* Shared PHP header: compact desktop navigation with a full services panel. */
.site-header {
  position: relative;
  top: auto;
  left: auto;
  padding: 5px 0;
  background: #fff;
  border-bottom: 1px solid rgba(20, 36, 73, 0.08);
  z-index: 20;
}
.site-header .navbar {
  background: transparent;
  padding: 0.15rem 0;
  border-radius: 0;
  box-shadow: none;
  backdrop-filter: none;
}
.site-header .navbar-brand {
  font-size: 1.08rem;
}
.site-header .navbar-brand img {
  height: 75px;
}
.services-dropdown .dropdown-toggle::after {
  margin-left: 0.42rem;
  vertical-align: 0.14em;
}
.services-dropdown .dropdown-menu {
  width: 310px;
  padding: 10px;
  border: 0;
  border-radius: 14px;
  box-shadow: 0 18px 45px rgba(20, 36, 73, 0.18);
  margin-top: 13px;
}
.services-dropdown .dropdown-item {
  display: flex;
  align-items: center;
  gap: 13px;
  border-radius: 9px;
  padding: 10px 12px;
  color: #344154;
  font-size: 0.88rem;
  font-weight: 600;
  white-space: normal;
  transition:
    background 0.2s,
    color 0.2s,
    transform 0.2s;
}
.services-dropdown .dropdown-item i {
  width: 18px;
  font-size: 1.16rem;
  text-align: center;
  color: #3f5165;
}
.services-dropdown .dropdown-item:hover {
  background: #f0f3ff;
  color: var(--blue);
  transform: translateX(3px);
}
.services-dropdown .dropdown-item:hover i,
.services-dropdown .active-service,
.services-dropdown .active-service i {
  color: #605cff;
}
.mobile-service-title {
  color: var(--blue);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 1.3rem 0 0.35rem;
}
.mobile-nav a i {
  width: 22px;
  color: var(--blue);
  margin-right: 0.5rem;
}
/* .hero-section {
  padding-top: 105px;
} */
@media (min-width: 992px) {
  .services-dropdown .dropdown-menu {
    display: block;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition:
      opacity 0.2s ease,
      transform 0.2s ease,
      visibility 0.2s;
  }
  .services-dropdown:hover .dropdown-menu,
  .services-dropdown .dropdown-menu.show {
    opacity: 1;
    visibility: visible;
    transform: none;
  }
}
@media (max-width: 991.98px) {
  .site-header {
    padding: 5px 10px;
  }
  .hero-section {
    padding-top: 90px;
  }
  .mobile-nav a {
    font-size: 0.88rem;
    padding: 0.7rem 0;
  }
}

.top-strip {
  background: #142449;
  color: #e4eaff;
  font-size: 0.77rem;
  padding: 0.58rem 0;
  letter-spacing: 0.02em;
}

.top-strip i {
  color: #91b5ff;
  margin-right: 0.35rem;
}

/*.site-header {*/
/*  position: absolute;*/
/*  z-index: 20;*/
/*  top: 34px;*/
/*  left: 0;*/
/*  width: 100%;*/
/*}*/

.navbar {
  background: rgba(255, 255, 255, 0.86);
  padding: 0.7rem 1.2rem;
  border-radius: 20px;
  backdrop-filter: blur(16px);
  box-shadow: 0 9px 30px rgba(20, 36, 73, 0.06);
}

.navbar-brand img {
  max-width: 100%;
  height: auto;
}

.offcanvas .navbar-brand img {
  height: 60px;
  width: auto;
  object-fit: contain;
}

.footer-main .navbar-brand img {
  height: 74px;
  width: auto;
  object-fit: contain;
}

.nav-link {
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  padding: 0.5rem 0.65rem !important;
}

.nav-link:hover,
.nav-link.active {
  color: var(--blue);
}

.navbar-toggler {
  border: 0;
  font-size: 1.55rem;
  color: var(--blue);
  padding: 0;
}

.navbar-toggler:focus {
  box-shadow: none;
}

.btn {
  border-radius: 12px;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.78rem 1.25rem;
  transition:
    transform 0.25s,
    box-shadow 0.25s;
}

.btn:hover {
  transform: translateY(-3px);
}

.btn-brand {
  background: var(--blue);
  border-color: var(--blue);
  color: white;
  box-shadow: 0 8px 20px rgba(37, 75, 183, 0.2);
}

.btn-brand:hover {
  background: var(--blue-deep);
  border-color: var(--blue-deep);
  color: white;
}

.btn i {
  margin-left: 0.35rem;
}

.hero-section {
  padding: 50px 0;
  background: linear-gradient(120deg, #f5f8ff 0%, #edf2ff 58%, #f9fbff 100%);
  min-height: 80vh;
  position: relative;
  overflow: hidden;
}

.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(1px);
}

.orb-one {
  width: 480px;
  height: 480px;
  background: #d5e4ff;
  right: -150px;
  top: 100px;
}

.orb-two {
  width: 250px;
  height: 250px;
  border: 45px solid #f6d7cd;
  left: -110px;
  bottom: 80px;
  opacity: 0.6;
}

.eyebrow,
.kicker {
  display: block;
  color: var(--blue);
  text-transform: uppercase;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  margin-bottom: 1rem;
}

.eyebrow span {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: #ff805b;
  vertical-align: middle;
  margin-right: 0.5rem;
}

.hero-title {
  font-family: var(--serif);
  font-size: clamp(3.1rem, 4.2vw, 5.35rem);
  line-height: 1.04;
  letter-spacing: -0.055em;
  max-width: 550px;
  margin-bottom: 1.35rem;
}

.hero-title em {
  color: var(--blue);
  font-weight: 600;
}

.hero-copy {
  font-size: 1.08rem;
  line-height: 1.75;
  color: var(--muted);
  max-width: 510px;
  margin-bottom: 2rem;
}

.btn-ghost {
  color: var(--ink);
  border: 1px solid #ccd5e8;
  background: white;
}

.btn-ghost:hover {
  color: #fff;
  border: 1px solid #ccd5e8;
  background: var(--blue);
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-top: 3rem;
}

.hero-trust p {
  font-size: 0.78rem;
  line-height: 1.45;
  margin: 0;
  color: var(--muted);
}

.hero-trust strong {
  color: var(--ink);
}

.trust-avatars {
  display: flex;
}

.trust-avatars span {
  display: grid;
  place-items: center;
  color: white;
  font-size: 0.65rem;
  font-weight: bold;
  width: 31px;
  height: 31px;
  border-radius: 50%;
  border: 2px solid white;
  background: #f39a7c;
  margin-left: -8px;
}

.trust-avatars span:first-child {
  margin-left: 0;
  background: #2954bf;
}

.trust-avatars span:nth-child(2) {
  background: #79a58d;
}

.hero-visual {
  height: 515px;
  position: relative;
  max-width: 520px;
  margin: 0 auto;
  perspective: 1000px;
}

.placeholder-photo {
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, #d8e4f8, #9eacd0);
  color: white;
  text-align: center;
  font-size: 0.75rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hero-photo {
  height: 455px;
  width: 83%;
  margin-left: auto;
  border-radius: 180px 180px 26px 26px;
  border: 10px solid rgba(255, 255, 255, 0.65);
  box-shadow: 0 26px 50px rgba(38, 65, 140, 0.2);
  background: linear-gradient(155deg, #bfd2ee, #7487b5);
  overflow: hidden;
}

.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/*
.hero-photo:before {
    content: "";
    width: 50%;
    height: 45%;
    border-radius: 50%;
    background: rgba(255, 255, 255, .22);
    position: absolute;
    top: 27%;
    left: 34%
} */

.floating-card {
  background: rgba(255, 255, 255, 0.95);
  box-shadow: 0 13px 25px rgba(32, 56, 112, 0.13);
  border-radius: 15px;
  position: absolute;
  display: flex;
  align-items: center;
  gap: 0.7rem;
  padding: 0.85rem 1rem;
  transition: transform 0.3s;
}

.floating-card:hover {
  transform: translateY(-6px) scale(1.02);
}

.eligibility {
  left: 0;
  top: 28%;
  font-size: 0.72rem;
}

.eligibility i {
  font-size: 1.5rem;
  color: #3ca074;
}

.floating-card small,
.floating-card span {
  display: block;
  color: var(--muted);
  font-size: 0.66rem;
}

.floating-card strong {
  font-size: 0.79rem;
}

.rate {
  right: 0;
  bottom: 24px;
  display: block;
  padding: 1rem 1.15rem;
}

.rate strong {
  color: var(--blue);
  font-size: 2rem;
  line-height: 1;
}

.rate sup {
  font-size: 0.85rem;
}

.hero-badge {
  position: absolute;
  bottom: 30px;
  left: 9%;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 600;
  font-size: 0.75rem;
}

.hero-badge i {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--peach);
  color: #d4623e;
  font-size: 1.2rem;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: white;
  border-radius: 18px 18px 0 0;
  padding: 1.3rem 2rem;
  margin-top: 25px;
  box-shadow: 0 -10px 30px rgba(39, 66, 134, 0.05);
  max-width: 760px;
}

.hero-stats div {
  border-right: 1px solid var(--line);
  padding-left: 1.5rem;
}

.hero-stats div:first-child {
  padding-left: 0;
}

.hero-stats div:last-child {
  border: 0;
}

.hero-stats strong,
.hero-stats span {
  display: block;
}

.hero-stats strong {
  font-size: 0.95rem;
}

.hero-stats span {
  font-size: 0.69rem;
  color: var(--muted);
  margin-top: 0.15rem;
}

.section {
  padding: 110px 0;
}

.section-heading {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 2rem;
  margin-bottom: 3rem;
}


.display-heading
{
  font-family: var(--serif);
  font-size: clamp(2.3rem, 3.7vw, 3.5rem);
  letter-spacing: -0.045em;
  line-height: 1.12;
  margin: 0;
}

.section-heading p {
  color: var(--muted);
  line-height: 1.7;
  max-width: 390px;
  margin: 0;
}

.section-heading p,
.section-intro p,
.section-copy,
.calc-copy p {
  font-size: 1.05rem;
}

.loan-section {
  background: var(--cream);
}

.loan-card {
  height: 100%;
  border: 1px solid #eeeae1;
  border-radius: 18px;
  padding: 1.65rem;
  background: #fff;
  transition:
    transform 0.35s,
    box-shadow 0.35s,
    border-color 0.35s;
}

.loan-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 35px rgba(24, 47, 120, 0.11);
  border-color: transparent;
}

.loan-icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 15px;
  font-size: 1.4rem;
  margin-bottom: 1.6rem;
}

.peach {
  background: var(--peach);
  color: #d16644;
}

.blue {
  background: #dce6ff;
  color: #3154b3;
}

.lavender {
  background: #eee6ff;
  color: #754ebd;
}

.mint {
  background: var(--mint);
  color: #238463;
}

.loan-card h3,
.value-card h3,
.journey-step h3 {
  font-weight: 700;
  font-size: 1.13rem;
}

.loan-card p,
.value-card p {
  font-size: 1rem;
  color: var(--muted);
  line-height: 1.65;
  margin-bottom: 0;
}

.loan-card a,
.text-link {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--blue);
  text-decoration: none;
}

.loan-card a i,
.text-link i {
  transition: transform 0.2s;
}

.loan-card a:hover i,
.text-link:hover i {
  display: inline-block;
  transform: translateX(4px);
}

.about-section {
  overflow: hidden;
}

.about-section .section-copy {
  color: var(--muted);
}

.about-visual {
  position: relative;
  max-width: 460px;
  margin: 0 auto;
  perspective: 1000px;
}

.about-photo-main {
  border-radius: 26px;
  overflow: hidden;
  box-shadow: 0 26px 50px rgba(38, 65, 140, 0.18);
}

.about-photo-main img {
  width: 100%;
  height: 540px;
  object-fit: cover;
  display: block;
}

.about-photo-accent {
  position: absolute;
  width: 48%;
  left: -9%;
  bottom: -34px;
  border-radius: 18px;
  overflow: hidden;
  border: 7px solid #fff;
  box-shadow: 0 18px 35px rgba(20, 36, 73, 0.2);
  transition: transform 0.3s;
}

.about-photo-accent img {
  width: 100%;
  height: 145px;
  object-fit: cover;
  display: block;
}

.about-badge {
  position: absolute;
  top: 26px;
  right: -16px;
  background: var(--ink);
  color: #fff;
  border-radius: 16px;
  padding: 1rem 1.15rem;
  text-align: center;
  box-shadow: 0 15px 30px rgba(20, 36, 73, 0.28);
}

.about-badge strong {
  font-family: var(--serif);
  font-size: 1.85rem;
  display: block;
  line-height: 1;
}

.about-badge span {
  font-size: 0.76rem;
  color: #aebbe2;
  display: block;
  margin-top: 0.35rem;
  line-height: 1.4;
}

.about-stats {
  margin-top: 2.2rem;
  padding-top: 1.8rem;
  border-top: 1px solid var(--line);
}

.about-stats strong {
  font-family: var(--serif);
  font-size: 1.55rem;
  color: var(--blue);
  display: block;
}

.about-stats span {
  font-size: 0.72rem;
  color: var(--muted);
  display: block;
  margin-top: 0.25rem;
}

.why-us-section .section-copy {
  color: var(--muted);
  max-width: 480px;
}

.why-us-section .whyus-visual {
  position: relative;
  max-width: 440px;
  margin: 0 auto;
  margin-top: 30px;
  border-radius: 26px;
  overflow: hidden;
  box-shadow: 0 26px 50px rgba(38, 65, 140, 0.18);
}

.why-us-section .whyus-visual img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
}

.why-us-section .whyus-chip {
  left: 20px;
  bottom: 20px;
  right: auto;
}

.why-us-section .value-card {
  padding: 1.5rem;
}

.advisor-card {
  background: linear-gradient(150deg, var(--sky), #eef1ff);
  border-color: transparent;
}

.process-section {
  background: var(--ink);
  color: #fff;
}

.process-section .kicker {
  color: #9db9ff;
}

.section-copy {
  color: #b4c1db;
  line-height: 1.75;
  /* max-width: 440px; */
}

.process-section .text-link {
  color: #fff;
}

.steps-panel {
  background: #20345e;
  border-radius: 20px;
  padding: 1.25rem;
  position: relative;
}

.journey-step {
  position: relative;
  display: flex;
  align-items: center;
  gap: 1.2rem;
  padding: 1.35rem;
  border-radius: 13px;
}

.journey-step:hover {
  background: rgba(255, 255, 255, 0.05);
}

.step-num {
  font-family: var(--serif);
  font-size: 1.65rem;
  color: #96b5ff;
}

.journey-step div {
  flex: 1;
}

.journey-step h3 {
  margin: 0 0 0.4rem;
}

.journey-step p {
  margin: 0;
  color: #b4c1db;
  font-size: 0.84rem;
  line-height: 1.6;
}

.journey-step > i {
  font-size: 1.35rem;
  color: #96b5ff;
}

.calculator-section {
  padding-top: 0;
  background: linear-gradient(to bottom, var(--ink) 50%, white 50%);
}

.calculator-shell {
  background: linear-gradient(115deg, #3055c0, #213f9e);
  border-radius: 24px;
  padding: 3.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 4rem;
  box-shadow: 0 24px 40px rgba(24, 47, 120, 0.18);
  color: white;
}

.kicker.light {
  color: #adc6ff;
}

.calc-copy p {
  color: #cbd7fa;
  line-height: 1.7;
}

.calc-note {
  font-size: 0.74rem;
  color: #d9e2ff;
  margin-top: 2rem;
}

.calc-note i {
  margin-right: 0.4rem;
}

.calculator {
  background: white;
  color: var(--ink);
  border-radius: 17px;
  padding: 1.6rem;
}

.range-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  font-weight: 700;
}

.range-header output {
  color: var(--blue);
  font-size: 1rem;
}

.form-range {
  margin: 1rem 0 0;
}

.form-range::-webkit-slider-thumb {
  background: var(--blue);
}

.form-range::-moz-range-thumb {
  background: var(--blue);
}

.range-scale {
  display: flex;
  justify-content: space-between;
  color: var(--muted);
  font-size: 0.65rem;
}

.payment-result {
  background: #edf2ff;
  border-radius: 12px;
  margin: 1.6rem 0;
  padding: 1rem;
}

.payment-result span,
.payment-result small {
  display: block;
  font-size: 0.67rem;
  color: var(--muted);
}

.payment-result strong {
  font-family: var(--serif);
  font-size: 1.8rem;
  color: var(--blue);
  display: block;
  margin: 0.2rem 0;
}

.section-intro {
  max-width: 650px;
  margin: 0 auto 3rem;
}

.section-intro p {
  color: var(--muted);
  line-height: 1.7;
  margin: 1rem auto 0;
  max-width: 520px;
}

.value-card {
  height: 100%;
  padding: 2rem;
  border: 1px solid var(--line);
  border-radius: 17px;
  position: relative;
  overflow: hidden;
  transition:
    transform 0.3s,
    background 0.3s;
}

.value-card:hover {
  transform: translateY(-8px);
  background: #f6f8ff;
}

.value-card > span {
  position: absolute;
  right: 1.4rem;
  top: 1.2rem;
  font-weight: 700;
  color: #d7ddec;
}

.value-card > i {
  font-size: 1.7rem;
  color: var(--blue);
  display: block;
  margin-bottom: 2rem;
}

.testimonial-section {
  padding: 0 0 100px;
}

.testimonial-card {
  background: var(--cream);
  border-radius: 25px;
  min-height: 390px;
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  align-items: center;
}

.quote-mark {
  position: absolute;
  font-family: var(--serif);
  font-size: 18rem;
  line-height: 1;
  color: #e4e5e8;
  left: 4%;
  top: 4%;
}

.testimonial-content {
  position: relative;
  padding: 4rem 5rem;
}

.testimonial-content > p {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 2.5vw, 2.3rem);
  line-height: 1.3;
  letter-spacing: -0.035em;
  margin-bottom: 2rem;
}

.person-image {
  width: 43px;
  height: 43px;
  border-radius: 50%;
  background: #a98671;
}

.testimonial-content small {
  display: block;
  font-size: 0.7rem;
  color: var(--muted);
  margin-top: 0.2rem;
}

.testimonial-art {
  height: 100%;
  min-height: 390px;
  position: relative;
}

.testimonial-art > .placeholder-photo {
  height: 100%;
  background: linear-gradient(145deg, #afbada, #6979a7);
}

.testimonial-illustration {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, #eef2fb, #dde5f7);
}

.testimonial-illustration .float-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: floatY 4.5s ease-in-out infinite;
}

@keyframes floatY {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-16px);
  }
}

@media (prefers-reduced-motion: reduce) {
  .testimonial-illustration .float-img {
    animation: none;
  }
}

.story-chip {
  position: absolute;
  background: white;
  border-radius: 12px;
  padding: 0.7rem 0.9rem;
  bottom: 25px;
  left: -45px;
  font-size: 0.73rem;
  font-weight: 700;
  box-shadow: 0 8px 18px rgba(20, 36, 73, 0.13);
}

.story-chip i {
  color: #eb7560;
  margin-right: 0.3rem;
}

.faq-section {
  background: #f7f8fb;
}

.accordion-item {
  border: 0 !important;
  border-bottom: 1px solid #dfe2e9 !important;
  background: transparent;
}

.accordion-button {
  padding: 1.25rem 0;
  font-size: 1rem;
  font-weight: 700;
  background: transparent !important;
  color: var(--ink) !important;
  box-shadow: none !important;
}

.accordion-button::after {
  background-size: 1rem;
}

.accordion-body {
  padding: 0 2rem 1.4rem 0;
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.7;
}

footer {
  background: var(--ink);
  color: white;
  padding: 0 0 1.5rem;
}

.footer-cta {
  padding: 4rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.footer-main {
  padding: 3rem 0 2rem;
  display: grid;
  grid-template-columns: 0.8fr 1.5fr 1.2fr;
  gap: 2rem;
  align-items: center;
}

.footer-main .navbar-brand {
  color: white !important;
}

.footer-main p {
  color: #bdc8e3;
  font-size: 1rem;
  margin: 0;
}

.footer-links {
  display: flex;
  justify-content: space-between;
}

.footer-links a {
  color: white;
  text-decoration: none;
  font-size: 1rem;
}

.footer-links a:hover {
  color: #a8c1ff;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  padding-top: 1.5rem;
/*   display: flex;
  justify-content: center; */
  color: #9faed0;
  font-size: 0.89rem;
}

.back-to-top {
  position: fixed;
  z-index: 10;
  right: 20px;
  bottom: 20px;
  width: 42px;
  height: 42px;
  border: 0;
  border-radius: 50%;
  background: var(--blue);
  color: #fff;
  box-shadow: 0 8px 20px rgba(24, 47, 120, 0.25);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: 0.3s;
}

.back-to-top.show {
  opacity: 1;
  visibility: visible;
  transform: none;
}

.offcanvas {
  width: 310px !important;
}

.offcanvas-header {
  border-bottom: 1px solid var(--line);
}

.mobile-nav a:not(.btn) {
  display: block;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  color: var(--ink);
  font-weight: 700;
}

.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

section#why-us {
  padding-top: 30px;
}

@media (min-width: 1199.98px) {
  .services-sec-hd {
    width: 55%;
  }
}

@media (max-width: 991.98px) {
  /*.site-header {*/
  /*  top: 15px;*/
  /*}*/

  .navbar {
    border-radius: 15px;
  }

  /* .hero-section {
    padding-top: 125px;
  } */

  .hero-title {
    max-width: 650px;
  }

  .hero-visual {
    margin-top: 0;
  }

  .hero-stats {
    max-width: none;
  }

  .calculator-shell {
    gap: 2rem;
  }

  .testimonial-content {
    padding: 3rem;
  }

  .story-chip {
    left: 20px;
  }

  .about-visual,
  .why-us-section .whyus-visual {
    max-width: 400px;
    margin-bottom: 2.5rem;
  }

  .about-photo-main img,
  .why-us-section .whyus-visual img {
    height: 440px;
  }

  .about-badge {
    right: 6px;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
  }

  .footer-main p {
    grid-column: span 2;
  }

  .footer-links {
    grid-column: span 2;
    max-width: 450px;
  }
}

@media (max-width: 767.98px) {
  body {
    overflow-x: hidden;
  }
  /* .hero-section {
    min-height: 0;
    padding-bottom: 0;
  } */

  .hero-copy {
    font-size: 1rem;
  }

  .hero-visual {
    height: 530px;
    transform: scale(0.9);
    margin: -10px -15px -25px;
  }

  .hero-stats {
    padding: 1rem;
    grid-template-columns: 1fr;
    gap: 0.8rem;
    border-radius: 13px 13px 0 0;
  }

  .hero-stats div,
  .hero-stats div:first-child {
    padding: 0;
    border: 0;
  }

  .section {
    padding: 75px 0;
  }

  .section-heading {
    display: block;
  }

  .section-heading p {
    margin-top: 1rem;
  }

  .calculator-section {
    padding-top: 0;
  }

  .calculator-shell {
    grid-template-columns: 1fr;
    padding: 2rem 1.2rem;
    border-radius: 18px;
    gap: 1.5rem;
  }

  .testimonial-section {
    padding-bottom: 75px;
  }

  .testimonial-card {
    grid-template-columns: 1fr;
  }

  .testimonial-content {
    padding: 3rem 1.5rem;
  }

  .testimonial-art {
    min-height: 260px;
  }

  .footer-cta {
    padding: 3rem 0;
    display: block;
  }

  .footer-cta .btn {
    margin-top: 1.5rem;
  }

  .footer-main {
    grid-template-columns: 1fr;
    padding: 2.5rem 0;
    gap: 1.4rem;
  }

  .footer-main p,
  .footer-links {
    grid-column: auto;
  }

  .footer-links {
    flex-wrap: wrap;
    gap: 1rem;
  }

  .footer-bottom {
    display: block;
    line-height: 1.8;
  }

  .footer-bottom span {
    display: block;
  }

  .hero-orb {
    opacity: 0.5;
  }

  .about-visual,
  .why-us-section .whyus-visual {
    max-width: 340px;
  }

  .about-photo-main img,
  .why-us-section .whyus-visual img {
    height: 340px;
  }

  .about-photo-accent {
    width: 52%;
    left: -6%;
    bottom: -24px;
  }

  .about-photo-accent img {
    height: 105px;
  }

  .about-badge {
    top: 16px;
    right: 0;
    padding: 0.75rem 0.85rem;
  }

  .about-badge strong {
    font-size: 2rem;
  }

  .about-stats {
    margin-top: 1.6rem;
    padding-top: 1.3rem;
  }
 
  .why-us-section .value-card {
    padding: 1.3rem;
  }
}

/* ---------- Interior pages: About us / Contact us ---------- */

.breadcrumb-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 1.5rem;
}

.breadcrumb-nav a {
  color: var(--muted);
  text-decoration: none;
}

.breadcrumb-nav a:hover {
  color: var(--blue);
}

.breadcrumb-nav i {
  font-size: 0.65rem;
  color: #c3cadb;
}

.breadcrumb-nav span {
  color: var(--ink);
}

.page-hero {
  padding: 90px 0 90px;
  background: linear-gradient(120deg, #f5f8ff 0%, #edf2ff 58%, #f9fbff 100%);
  position: relative;
  overflow: hidden;
}

.page-hero .hero-title {
  max-width: 640px;
}

.page-hero-single .about-photo-main img {
  height: 460px;
}

.stats-band {
  background: var(--ink);
  padding: 70px 0;
}

.stats-band .row > div {
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
  border-right: 1px solid rgba(255, 255, 255, 0.12);
}

.stats-band .row > div:last-child {
  border-right: 0;
}

.stats-band strong {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 2.3em;
  font-family: var(--serif);
  font-size: clamp(1.5rem, 2.2vw, 2.1rem);
  line-height: 1.15;
  color: #fff;
}

.stats-band span {
  display: block;
  margin-top: 0.6rem;
  font-size: 0.82rem;
  color: #b4c1db;
}

.mission-card {
  height: 100%;
  padding: 2.2rem;
  border-radius: 20px;
  background: var(--cream);
  border: 1px solid #eeeae1;
  transition:
    transform 0.3s,
    box-shadow 0.3s;
}

.mission-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 35px rgba(24, 47, 120, 0.11);
}

.mission-card .loan-icon {
  margin-bottom: 1.6rem;
}

.mission-card h3 {
  font-family: var(--serif);
  font-size: 1.5rem;
  margin-bottom: 0.8rem;
}

.mission-card p {
  color: var(--muted);
  line-height: 1.7;
  margin: 0;
}

.story-section .section-copy {
  color: var(--muted);
}

.story-visual {
  position: relative;
  border-radius: 26px;
  overflow: hidden;
  box-shadow: 0 26px 50px rgba(38, 65, 140, 0.18);
}

.story-visual img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  display: block;
}

/* Contact page */

.contact-info-grid {
  margin-top: -130px;
  position: relative;
  z-index: 2;
}

.contact-info-card {
  height: 100%;
  background: #fff;
  border-radius: 18px;
  padding: 1.8rem 1.6rem;
  box-shadow: 0 20px 45px rgba(20, 36, 73, 0.1);
  text-align: center;
  transition: transform 0.3s;
}

.contact-info-card:hover {
  transform: translateY(-6px);
}

.contact-info-card .loan-icon {
  margin: 0 auto 1.2rem;
}

.contact-info-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.contact-info-card p {
  font-size: 0.85rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.6;
}

.contact-info-card a {
  color: var(--muted);
  text-decoration: none;
}

.contact-info-card a:hover {
  color: var(--blue);
}

.contact-shell {
  background: #fff;
  border-radius: 24px;
  border: 1px solid var(--line);
  box-shadow: 0 20px 50px rgba(20, 36, 73, 0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
}

.contact-form-col {
  padding: 3.5rem;
}

.contact-form-col h2 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 2.6vw, 2.3rem);
  letter-spacing: -0.03em;
  margin-bottom: 0.6rem;
}

.contact-form-col > p {
  color: var(--muted);
  margin-bottom: 2rem;
}

.form-field {
  margin-bottom: 1.3rem;
}

.form-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--ink);
}

.form-field .form-control,
.form-field .form-select {
  border: 1px solid #dde1ea;
  border-radius: 12px;
  padding: 0.8rem 1rem;
  font-size: 0.9rem;
  font-family: var(--sans);
  color: var(--ink);
  background: #fbfbfd;
}

.form-field .form-control:focus,
.form-field .form-select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37, 75, 183, 0.12);
  background: #fff;
}

.form-field textarea.form-control {
  resize: vertical;
  min-height: 120px;
}

.contact-side-col {
  position: relative;
  min-height: 100%;
}

.contact-side-col img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  min-height: 420px;
}

.contact-side-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(190deg, rgba(20, 36, 73, 0.05) 20%, rgba(20, 36, 73, 0.82) 100%);
  display: flex;
  align-items: flex-end;
  padding: 2.2rem;
}

.contact-side-overlay .story-chip {
  position: static;
  display: inline-flex;
}

.map-embed {
  border-radius: 20px;
  overflow: hidden;
  border: 1px solid var(--line);
  height: 340px;
}

.map-embed iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}

/* ---------- Apply Now page ---------- */

.form-alert {
  border-radius: 12px;
  padding: 0.9rem 1.1rem;
  font-size: 0.85rem;
  margin-bottom: 1.5rem;
}

.form-alert.error {
  background: #fdeceb;
  color: #b3382c;
}

.form-alert ul {
  margin: 0;
  padding-left: 1.1rem;
}

.form-disclaimer {
  font-size: 0.72rem;
  color: var(--muted);
  line-height: 1.6;
  margin-top: 1.1rem;
}

.thankyou-panel {
  max-width: 620px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 3.5rem 3rem;
  box-shadow: 0 20px 50px rgba(20, 36, 73, 0.08);
}

.thankyou-icon i {
  font-size: 3rem;
  color: #3ca074;
  margin-bottom: 1rem;
  display: block;
}

@media (max-width: 767.98px) {
  .thankyou-panel {
    padding: 2.2rem 1.6rem;
  }
}

/* ---------- Interior pages: Personal Loan service ---------- */

.doc-card {
  height: 100%;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 2rem;
}

.doc-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 1.3rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.doc-card h3 i {
  color: var(--blue);
}

.doc-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.doc-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.5;
}

.doc-list li:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.doc-list li i {
  color: #3ca074;
  margin-top: 0.2rem;
  flex-shrink: 0;
}

@media (max-width: 767.98px) {
  .doc-card {
    padding: 1.5rem;
  }
}

@media (max-width: 991.98px) {
  .page-hero {
    padding: 120px 0 60px;
  }

  .contact-info-grid {
    margin-top: -70px;
  }

  .contact-shell {
    grid-template-columns: 1fr;
  }

  .contact-side-col img {
    min-height: 260px;
  }

  .story-visual img {
    height: 360px;
  }
}

@media (max-width: 767.98px) {
  .page-hero {
    padding: 50px 0 50px;
  }

  .contact-info-grid {
    margin-top: 2rem;
  }

  .contact-form-col {
    padding: 2rem 1.3rem;
  }

  .stats-band .row > div {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    padding-bottom: 1.2rem;
    margin-bottom: 1.2rem;
  }

  .stats-band .row > div:last-child {
    border-bottom: 0;
    padding-bottom: 0;
    margin-bottom: 0;
  }

  .mission-card {
    padding: 1.6rem;
  }
}
@media (max-width: 575.98px){
    .page-hero {
    padding: 50px 0 !important;
  }
    
}

/* ---------- Personal Loan page ---------- */

.quick-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 1.7rem;
  margin-bottom: 0;
  border-bottom: 1px solid var(--line);
}

.quick-nav a {
  display: inline-block;
  color: var(--muted);
  font-size: 0.85rem;
  font-weight: 700;
  text-decoration: none;
  padding-bottom: 0.9rem;
  border-bottom: 2px solid transparent;
  transition: 0.2s;
}

.quick-nav a:hover {
  color: var(--blue);
  border-color: var(--blue);
}

.quick-check-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 2.2rem;
  box-shadow: 0 20px 45px rgba(20, 36, 73, 0.1);
}

.quick-check-card h3 {
  font-family: var(--serif);
  font-size: 1.4rem;
  margin-bottom: 1.3rem;
}

.quick-check-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.7rem;
}

.quick-check-list li {
  display: flex;
  gap: 0.8rem;
  align-items: flex-start;
  font-size: 0.9rem;
  color: var(--muted);
  margin-bottom: 1rem;
}

.quick-check-list li:last-child {
  margin-bottom: 0;
}

.quick-check-list li i {
  color: #3ca074;
  font-size: 1.1rem;
  margin-top: -1px;
  flex-shrink: 0;
}

.type-row-card {
  display: flex;
  gap: 1.2rem;
  align-items: flex-start;
  height: 100%;
  border: 1px solid #eeeae1;
  border-radius: 16px;
  padding: 1.4rem 1.5rem;
  background: #fff;
  transition:
    transform 0.3s,
    box-shadow 0.3s;
}

.type-row-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 35px rgba(24, 47, 120, 0.1);
}

.type-row-card .loan-icon {
  margin-bottom: 0;
  flex-shrink: 0;
}

.type-row-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.type-row-card p {
  font-size: 0.87rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

.criteria-group h3 {
  font-family: var(--serif);
  font-size: 1.3rem;
  margin-bottom: 1.3rem;
}

.criteria-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.criteria-list li {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}

.criteria-list li:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.criteria-list li i {
  color: var(--blue);
  font-size: 1.1rem;
  margin-top: 0.15rem;
  flex-shrink: 0;
}

.criteria-list strong {
  display: block;
  font-size: 0.94rem;
  margin-bottom: 0.2rem;
}

.criteria-list span {
  display: block;
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.55;
}

.doc-tabs .nav-pills {
  gap: 0.7rem;
  margin-bottom: 2.2rem;
}

.doc-tabs .nav-pills .nav-link {
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 20px;
  padding: 0.6rem 1.3rem;
}

.doc-tabs .nav-pills .nav-link.active {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
}

@media (max-width: 767.98px) {
  .type-row-card {
    flex-direction: column;
  }

  .quick-nav {
    gap: 1rem;
    overflow-x: auto;
    white-space: nowrap;
  }
}



legal-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.6rem;
}

.legal-meta span {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 30px;
  padding: 0.5rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--muted);
}

.legal-meta i {
  color: var(--blue);
}

.legal-section-wrap {
  padding-top: 90px;
}

.legal-toc {
  position: sticky;
  top: 24px;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  padding: 1.6rem;
  background: var(--cream);
  border: 1px solid #eeeae1;
  border-radius: 18px;
}

.legal-toc-title {
  text-transform: uppercase;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--muted);
  margin-bottom: 0.8rem;
}

.legal-toc a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.86rem;
  padding: 0.5rem 0.7rem;
  border-radius: 10px;
  border-left: 2px solid transparent;
  transition:
    background 0.2s,
    color 0.2s;
}

.legal-toc a:hover {
  background: #fff;
  color: var(--blue);
}

.legal-toc a.active {
  background: #fff;
  color: var(--blue);
  border-left-color: var(--blue);
  font-weight: 700;
}

.legal-content {
  max-width: 720px;
}

.legal-block {
  padding-bottom: 2.4rem;
  margin-bottom: 2.4rem;
  border-bottom: 1px solid var(--line);
}

.legal-block:last-child {
  border-bottom: 0;
  margin-bottom: 0;
  padding-bottom: 0;
}

.legal-num {
  display: block;
  font-family: var(--serif);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 0.6rem;
}

.legal-content h2 {
  font-family: var(--serif);
  font-size: clamp(1.35rem, 1.9vw, 1.65rem);
  letter-spacing: -0.02em;
  margin-bottom: 0.9rem;
}

.legal-content .section-copy {
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 1rem;
}

.legal-content .section-copy:last-child {
  margin-bottom: 0;
}

.legal-content ul {
  margin: 0 0 1rem;
  padding-left: 1.3rem;
  color: var(--muted);
  line-height: 1.8;
}

.legal-content ul:last-child {
  margin-bottom: 0;
}

.legal-content ul li::marker {
  color: var(--blue);
}

.legal-contact-list {
  list-style: none;
  padding-left: 0;
}

.legal-contact-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 0.6rem;
}

.legal-contact-list i {
  color: var(--blue);
}

.legal-contact-list a {
  color: var(--muted);
  text-decoration: none;
}

.legal-contact-list a:hover {
  color: var(--blue);
}

@media (max-width: 991.98px) {
  .legal-toc {
    position: static;
    margin-bottom: 2.5rem;
  }
}

@media (max-width: 575.98px) {
	a.terms-page-link {
	text-align: center;
}
}