/* ==========================================================================
   Finzon — Marketing site styles
   ========================================================================== */

:root {
  --ink: #0a1230;
  --ink-2: #16224f;
  --text: #3a4263;
  --muted: #6b7291;
  --line: #e8e6df;
  --bg: #ffffff;
  --bg-soft: #f8f7f3;
  --bg-tint: #fbf6ea;

  --primary: #9a6a0a;
  --primary-600: #7f5708;
  --primary-50: #fbf3e0;
  --gold: #e2b04a;
  --gold-light: #f7dc8a;
  --accent: #f2c14e;
  --success: #12a37a;
  --danger: #e0445e;

  --grad: linear-gradient(135deg, #f7dc8a 0%, #e2b04a 45%, #b9861f 100%);
  --grad-navy: linear-gradient(140deg, #13225a 0%, #0a1230 60%, #1b2a66 100%);
  --grad-soft: linear-gradient(135deg, #fbf6ea 0%, #f8f7f3 60%, #fdf8ec 100%);

  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --shadow-sm: 0 1px 2px rgba(11, 20, 55, .06), 0 2px 6px rgba(11, 20, 55, .04);
  --shadow: 0 10px 30px -12px rgba(11, 20, 55, .18);
  --shadow-lg: 0 30px 60px -20px rgba(11, 20, 55, .28);

  --header-h: 76px;
  --container: 1200px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; padding: 0; }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.02em; }
h1 { font-size: clamp(2.2rem, 5vw, 4rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.75rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1rem; }
ul { margin: 0; padding: 0; list-style: none; }
::selection { background: var(--primary); color: #fff; }
:focus-visible { outline: 3px solid var(--primary); outline-offset: 3px; border-radius: 6px; }

.container { width: min(100% - 32px, var(--container)); margin-inline: auto; }
.section { padding: clamp(64px, 9vw, 120px) 0; }
.section--soft { background: var(--bg-soft); }
.section--tint { background: var(--grad-soft); }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.grad-text { background: linear-gradient(135deg, #d9a63a 0%, #9a6a0a 100%); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Section heading ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--primary);
  background: var(--primary-50);
  padding: 6px 14px; border-radius: 999px;
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head p { font-size: 1.1rem; color: var(--muted); }
.section-head--left { margin-left: 0; text-align: left; }

/* ---------- Buttons ---------- */
.btn {
  --_bg: var(--primary); --_fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: 999px;
  background: var(--_bg); color: var(--_fg);
  font-weight: 700; font-size: .98rem; line-height: 1;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s, border-color .25s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover { transform: translateY(-2px); }
.btn:hover svg { transform: translateX(3px); }
.btn-primary { --_fg: var(--ink); background: var(--grad); background-size: 150% 150%; box-shadow: 0 12px 24px -10px rgba(201, 146, 42, .6); }
.btn-primary:hover { box-shadow: 0 18px 32px -12px rgba(201, 146, 42, .7); background-position: 100% 0; }
.btn-light { --_bg: #fff; --_fg: var(--ink); }
.btn-dark { --_bg: var(--ink); --_fg: #fff; }
.btn-dark:hover { --_bg: var(--ink-2); }
.btn-ghost { --_bg: transparent; --_fg: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-outline-light { --_bg: rgba(255, 255, 255, .08); --_fg: #fff; border-color: rgba(255, 255, 255, .35); backdrop-filter: blur(6px); }
.btn-outline-light:hover { background: rgba(255, 255, 255, .18); }
.btn-sm { padding: 10px 18px; font-size: .9rem; }
.btn-lg { padding: 18px 32px; font-size: 1.05rem; }
.btn-block { width: 100%; }

.link-arrow { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--primary); }
.link-arrow svg { width: 16px; height: 16px; transition: transform .25s var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }

/* ==========================================================================
   Header / Navigation
   ========================================================================== */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 100;
  height: var(--header-h);
  transition: background .35s var(--ease), box-shadow .35s var(--ease), height .35s var(--ease);
}
.site-header .container { height: 100%; display: flex; align-items: center; gap: 32px; }
.site-header.is-solid {
  background: rgba(255, 255, 255, .86);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  box-shadow: 0 1px 0 var(--line), 0 10px 30px -20px rgba(11, 20, 55, .25);
  --header-h: 68px;
}

/* Brand lockup (emblem + wordmark) */
.brand { display: inline-flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand .emblem { width: 46px; height: 46px; flex-shrink: 0; filter: drop-shadow(0 4px 10px rgba(201, 146, 42, .35)); transition: transform .5s var(--ease); }
.brand:hover .emblem { transform: rotate(-8deg) scale(1.04); }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-text b { font-size: 1.45rem; font-weight: 800; letter-spacing: .1em; color: var(--ink); transition: color .3s; }
.brand-text small { display: flex; align-items: center; gap: 6px; margin-top: 5px; font-size: .56rem; font-weight: 700; letter-spacing: .44em; color: var(--primary); }
.brand-text small::before, .brand-text small::after { content: ""; height: 1px; width: 10px; background: currentColor; opacity: .7; }
.gold-text, .site-header:not(.is-solid) .brand-text b, .footer-brand .brand-text b {
  background: linear-gradient(180deg, #fff3c4 0%, #f2c14e 45%, #c38f28 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.site-header:not(.is-solid) .brand-text small { color: var(--gold-light); }
.nav-open .site-header .brand-text b { background: none; color: var(--ink); }
.nav-open .site-header .brand-text small { color: var(--primary); }

.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav > li { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 16px; border-radius: 999px;
  font-weight: 600; font-size: .95rem; color: var(--ink);
  transition: background .2s, color .2s;
}
.nav-link svg { width: 14px; height: 14px; transition: transform .25s var(--ease); }
.nav-link:hover, .nav-link[aria-current="page"] { background: var(--primary-50); color: var(--primary); }
.site-header:not(.is-solid) .nav-link { color: #fff; }
.site-header:not(.is-solid) .nav-link:hover,
.site-header:not(.is-solid) .nav-link[aria-current="page"] { background: rgba(255, 255, 255, .14); color: #fff; }

.header-actions { display: flex; align-items: center; gap: 12px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: .92rem; color: var(--ink); }
.header-phone svg { width: 18px; height: 18px; color: var(--primary); }
.site-header:not(.is-solid) .header-phone { color: #fff; }
.site-header:not(.is-solid) .header-phone svg { color: var(--accent); }

/* Mega menu */
.mega {
  position: absolute; top: calc(100% + 14px); left: 50%;
  width: 720px; padding: 20px;
  background: #fff; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  display: grid; grid-template-columns: 1fr 1fr 240px; gap: 6px;
  opacity: 0; visibility: hidden; transform: translate(-50%, 10px);
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.mega::before { content: ""; position: absolute; inset: -16px 0 auto 0; height: 16px; }
.has-mega:hover .mega, .has-mega:focus-within .mega, .has-mega.is-open .mega {
  opacity: 1; visibility: visible; transform: translate(-50%, 0);
}
.has-mega:hover > .nav-link svg, .has-mega.is-open > .nav-link svg { transform: rotate(180deg); }
.mega-item { display: flex; gap: 14px; padding: 14px; border-radius: var(--radius); transition: background .2s; }
.mega-item:hover { background: var(--bg-soft); }
.mega-item strong { display: block; color: var(--ink); font-size: .95rem; }
.mega-item span { display: block; font-size: .82rem; color: var(--muted); line-height: 1.4; }
.mega-promo {
  grid-column: 3; grid-row: 1 / span 3; border-radius: var(--radius); padding: 22px;
  background: var(--grad-navy); color: #fff; display: flex; flex-direction: column; justify-content: space-between;
  position: relative; overflow: hidden;
}
.mega-promo::after { content: ""; position: absolute; width: 180px; height: 180px; border-radius: 50%; background: rgba(255, 255, 255, .12); right: -60px; bottom: -60px; }
.mega-promo h4 { color: var(--accent); font-size: 1.15rem; margin-bottom: 6px; }
.mega-promo p { font-size: .85rem; opacity: .9; }
.mega-promo .btn { align-self: flex-start; position: relative; z-index: 1; }

.icon-tile {
  flex-shrink: 0; width: 44px; height: 44px; border-radius: 12px;
  display: grid; place-items: center;
  background: var(--primary-50); color: var(--primary);
}
.icon-tile svg { width: 22px; height: 22px; }
.icon-tile--lg { width: 60px; height: 60px; border-radius: 18px; }
.icon-tile--lg svg { width: 28px; height: 28px; }

/* Burger */
.burger { display: none; width: 44px; height: 44px; border-radius: 12px; position: relative; margin-left: auto; }
.burger span { position: absolute; left: 11px; right: 11px; height: 2px; border-radius: 2px; background: var(--ink); transition: transform .3s var(--ease), opacity .2s, top .3s var(--ease); }
.burger span:nth-child(1) { top: 15px; }
.burger span:nth-child(2) { top: 21px; }
.burger span:nth-child(3) { top: 27px; }
.site-header:not(.is-solid) .burger span { background: #fff; }
.nav-open .burger span { background: var(--ink) !important; }
.nav-open .burger span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.nav-open .burger span:nth-child(2) { opacity: 0; }
.nav-open .burger span:nth-child(3) { top: 21px; transform: rotate(-45deg); }

/* Mobile drawer */
.drawer {
  position: fixed; inset: 0; z-index: 99; background: #fff;
  padding: calc(var(--header-h) + 12px) 16px 32px;
  overflow-y: auto;
  transform: translateX(100%); transition: transform .4s var(--ease);
  display: flex; flex-direction: column; gap: 6px;
}
.nav-open .drawer { transform: none; }
.nav-open .site-header { background: #fff; }
.nav-open .site-header .logo-light { display: block; }
.nav-open .site-header .logo-dark { display: none; }
.drawer a.drawer-link { display: flex; align-items: center; justify-content: space-between; padding: 16px 8px; font-weight: 700; font-size: 1.1rem; color: var(--ink); border-bottom: 1px solid var(--line); }
.drawer-loans { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; padding: 12px 0; }
.drawer-loans a { display: flex; align-items: center; gap: 10px; padding: 12px; border-radius: 12px; background: var(--bg-soft); font-weight: 600; font-size: .9rem; color: var(--ink); }
.drawer-loans .icon-tile { width: 34px; height: 34px; border-radius: 10px; }
.drawer-loans .icon-tile svg { width: 18px; height: 18px; }
.drawer .btn { margin-top: 20px; }
.drawer-label { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-top: 16px; }

@media (max-width: 1080px) {
  .header-phone { display: none; }
}
@media (max-width: 960px) {
  .nav, .header-actions { display: none; }
  .burger { display: block; }
}
@media (min-width: 961px) { .drawer { display: none; } }

/* ==========================================================================
   Hero carousel
   ========================================================================== */
.hero { position: relative; }
.carousel {
  position: relative; height: 100vh; min-height: 640px; max-height: 920px;
  overflow: hidden; background: var(--ink); color: #fff;
  touch-action: pan-y;
}
.slide {
  position: absolute; inset: 0;
  display: flex; align-items: safe center;
  opacity: 0; visibility: hidden;
  transition: opacity 1s var(--ease), visibility 1s;
}
.slide.is-active { opacity: 1; visibility: visible; z-index: 1; }
.slide-bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  transform: scale(1.12);
  transition: transform 7s linear;
}
.slide.is-active .slide-bg { transform: scale(1); }
.slide::before {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(90deg, rgba(8, 14, 42, .92) 0%, rgba(8, 14, 42, .72) 45%, rgba(8, 14, 42, .15) 100%),
    linear-gradient(0deg, rgba(8, 14, 42, .7) 0%, transparent 40%);
}
.slide-content { position: relative; z-index: 2; max-width: 640px; padding-top: calc(var(--header-h) + 48px); padding-bottom: 150px; }
.slide-content > * { opacity: 0; transform: translateY(24px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.slide.is-active .slide-content > * { opacity: 1; transform: none; }
.slide.is-active .slide-content > *:nth-child(2) { transition-delay: .12s; }
.slide.is-active .slide-content > *:nth-child(3) { transition-delay: .24s; }
.slide.is-active .slide-content > *:nth-child(4) { transition-delay: .36s; }
.slide.is-active .slide-content > *:nth-child(5) { transition-delay: .48s; }
.slide-tag {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 8px; border-radius: 999px;
  background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .2);
  backdrop-filter: blur(8px); font-size: .88rem; font-weight: 600; margin-bottom: 24px;
}
.slide-tag b { background: var(--grad); color: var(--ink); padding: 4px 10px; border-radius: 999px; font-size: .75rem; letter-spacing: .04em; }
.slide h1, .slide h2 { color: #fff; font-size: clamp(2.3rem, 5.4vw, 4.2rem); font-weight: 800; margin-bottom: 20px; }
.slide h1 em, .slide h2 em { font-style: normal; background: linear-gradient(90deg, #fbe39a, #f2c14e 50%, #e2a93a); -webkit-background-clip: text; background-clip: text; color: transparent; }
.slide p { font-size: clamp(1rem, 1.4vw, 1.2rem); color: rgba(255, 255, 255, .82); max-width: 540px; margin-bottom: 32px; }
.slide-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.slide-points { display: flex; flex-wrap: wrap; gap: 28px; margin-top: 36px; }
.slide-points div { display: flex; flex-direction: column; }
.slide-points strong { font-size: 1.6rem; color: #fff; font-weight: 800; line-height: 1.1; }
.slide-points span { font-size: .85rem; color: rgba(255, 255, 255, .7); }

.carousel-ui {
  position: absolute; z-index: 5; left: 0; right: 0; bottom: 110px;
}
.carousel-ui .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.dots { display: flex; gap: 10px; }
.dot {
  position: relative; width: 44px; height: 4px; border-radius: 4px; overflow: hidden;
  background: rgba(255, 255, 255, .28); transition: width .3s var(--ease);
}
.dot::after { content: ""; position: absolute; inset: 0; background: #fff; transform-origin: left; transform: scaleX(0); }
.dot.is-active { width: 72px; }
.dot.is-active::after { animation: dotfill var(--slide-ms, 6000ms) linear forwards; }
.carousel.is-paused .dot.is-active::after { animation-play-state: paused; }
.dot::before { content: ""; position: absolute; inset: -14px -2px; }
@keyframes dotfill { to { transform: scaleX(1); } }
.carousel-count { font-weight: 700; font-size: .9rem; color: rgba(255, 255, 255, .7); font-variant-numeric: tabular-nums; }
.carousel-count b { color: #fff; font-size: 1.2rem; }
.arrows { display: flex; gap: 10px; }
.arrow {
  width: 52px; height: 52px; border-radius: 50%;
  display: grid; place-items: center; color: #fff;
  border: 1px solid rgba(255, 255, 255, .3); background: rgba(255, 255, 255, .06);
  backdrop-filter: blur(8px); transition: background .25s, transform .25s var(--ease);
}
.arrow:hover { background: #fff; color: var(--ink); transform: scale(1.06); }
.arrow svg { width: 20px; height: 20px; }
.carousel-left { display: flex; align-items: center; gap: 24px; }

/* Quick apply bar */
.quick {
  position: relative; z-index: 10; margin-top: -72px;
}
.quick-card {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: 22px; display: grid; grid-template-columns: 1.2fr 1fr 1fr auto; gap: 14px; align-items: end;
  border: 1px solid var(--line);
}
.quick-card .field { margin: 0; }
.quick-card .btn { height: 54px; }
@media (max-width: 900px) {
  .quick-card { grid-template-columns: 1fr 1fr; }
  .quick-card .btn { grid-column: 1 / -1; }
  .carousel-ui { bottom: 104px; }
}
@media (max-width: 560px) {
  .quick-card { grid-template-columns: 1fr; padding: 18px; }
  .carousel { min-height: 700px; }
  .slide-points { gap: 18px; margin-top: 32px; }
  .slide-points strong { font-size: 1.3rem; }
  .arrows { display: none; }
  .slide::before { background: linear-gradient(0deg, rgba(8, 14, 42, .95) 20%, rgba(8, 14, 42, .6) 100%); }
}

/* ==========================================================================
   Forms
   ========================================================================== */
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label { font-size: .82rem; font-weight: 700; color: var(--ink); letter-spacing: .01em; }
.input, .select, .textarea {
  width: 100%; height: 54px; padding: 0 16px;
  border: 1.5px solid var(--line); border-radius: 14px; background: #fff;
  font-size: .98rem; color: var(--ink);
  transition: border-color .2s, box-shadow .2s;
}
.textarea { height: auto; min-height: 130px; padding: 14px 16px; resize: vertical; }
.select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%236b7394' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m4 6 4 4 4-4'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 44px; }
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(201, 146, 42, .14); }
.field.is-invalid .input, .field.is-invalid .select, .field.is-invalid .textarea { border-color: var(--danger); }
.field-error { font-size: .78rem; color: var(--danger); display: none; }
.field.is-invalid .field-error { display: block; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .85rem; color: var(--muted); margin-bottom: 18px; }
.check input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--primary); flex-shrink: 0; }
.form-note { font-size: .78rem; color: var(--muted); margin-top: 12px; text-align: center; }
.form-success { text-align: center; padding: 20px 0; display: none; }
.form-success .icon-tile { margin: 0 auto 18px; background: #e3f6ef; color: var(--success); width: 72px; height: 72px; border-radius: 50%; }
.form-success .icon-tile svg { width: 34px; height: 34px; }
form.is-sent > *:not(.form-success) { display: none; }
form.is-sent .form-success { display: block; }

/* ==========================================================================
   Loan cards
   ========================================================================== */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 960px) { .loan-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .loan-grid { grid-template-columns: 1fr; } }
.loan-card {
  position: relative; display: flex; flex-direction: column;
  padding: 32px; border-radius: var(--radius-lg);
  background: #fff; border: 1px solid var(--line);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
  overflow: hidden; isolation: isolate;
}
.loan-card::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: var(--grad-navy); opacity: 0; transition: opacity .4s var(--ease);
}
.loan-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.loan-card:hover::before { opacity: 1; }
.loan-card:hover, .loan-card:hover h3, .loan-card:hover .loan-rate strong, .loan-card:hover .link-arrow { color: #fff; }
.loan-card:hover .icon-tile { background: var(--grad); color: var(--ink); }
.loan-card:hover .link-arrow { color: var(--accent) !important; }
.loan-card:hover .loan-rate { border-color: rgba(255, 255, 255, .25); }
.loan-card:hover .loan-rate span, .loan-card:hover p { color: rgba(255, 255, 255, .85); }
.loan-card .icon-tile { margin-bottom: 24px; transition: background .35s, color .35s; }
.loan-card h3 { font-size: 1.35rem; transition: color .35s; }
.loan-card p { color: var(--muted); font-size: .95rem; flex: 1; transition: color .35s; }
.loan-rate { display: flex; justify-content: space-between; padding: 16px 0; margin: 8px 0 18px; border-top: 1px dashed var(--line); border-bottom: 1px dashed var(--line); transition: border-color .35s; }
.loan-rate div { display: flex; flex-direction: column; }
.loan-rate span { font-size: .75rem; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; font-weight: 600; transition: color .35s; }
.loan-rate strong { color: var(--ink); font-size: 1.05rem; transition: color .35s; }
.loan-card .stretched::after { content: ""; position: absolute; inset: 0; z-index: 1; }
.loan-card .link-arrow { transition: color .35s; }

/* ==========================================================================
   Stats band
   ========================================================================== */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat { padding: 28px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); }
.stat strong { display: block; font-size: clamp(2rem, 3.4vw, 2.8rem); font-weight: 800; color: var(--ink); line-height: 1; margin-bottom: 8px; letter-spacing: -.03em; }
.stat span { color: var(--muted); font-weight: 600; font-size: .92rem; }
@media (max-width: 860px) { .stats { grid-template-columns: repeat(2, 1fr); } }

.dark-band { background: var(--ink); color: rgba(255, 255, 255, .8); position: relative; overflow: hidden; }
.dark-band::before, .dark-band::after { content: ""; position: absolute; border-radius: 50%; filter: blur(80px); opacity: .5; pointer-events: none; }
.dark-band::before { width: 480px; height: 480px; background: #2a3f8f; top: -200px; left: -120px; }
.dark-band::after { width: 380px; height: 380px; background: #c9922a; bottom: -200px; right: -80px; opacity: .35; }
.dark-band > * { position: relative; z-index: 1; }
.dark-band h2, .dark-band h3 { color: #fff; }
.dark-band .eyebrow { background: rgba(255, 255, 255, .1); color: var(--accent); }
.dark-band .section-head p { color: rgba(255, 255, 255, .7); }
.dark-band .stat { background: rgba(255, 255, 255, .05); border-color: rgba(255, 255, 255, .1); }
.dark-band .stat strong { color: #fff; }
.dark-band .stat span { color: rgba(255, 255, 255, .65); }

/* ==========================================================================
   Split / features
   ========================================================================== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 88px); align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split-media { position: relative; }
.split-media img { width: 100%; aspect-ratio: 4 / 4.2; object-fit: cover; border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); }
.float-card {
  position: absolute; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 16px 20px; display: flex; align-items: center; gap: 14px;
  animation: floaty 5s ease-in-out infinite;
}
.float-card strong { display: block; color: var(--ink); font-size: 1.05rem; line-height: 1.2; }
.float-card span { font-size: .8rem; color: var(--muted); }
.float-card--a { left: -28px; bottom: 48px; }
.float-card--b { right: -20px; top: 40px; animation-delay: -2.5s; }
.float-card .icon-tile { background: var(--primary-50); color: var(--primary); }
@media (max-width: 560px) { .float-card--a { left: 12px; } .float-card--b { right: 12px; } }
@keyframes floaty { 50% { transform: translateY(-10px); } }

.check-list { display: grid; gap: 14px; margin: 28px 0 36px; }
.check-list li { display: flex; gap: 14px; align-items: flex-start; }
.check-list li::before {
  content: ""; flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; margin-top: 1px;
  background: var(--primary-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%239a6a0a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round' viewBox='0 0 24 24'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center no-repeat;
}
.check-list strong { color: var(--ink); display: block; }
.check-list span { color: var(--muted); font-size: .93rem; }

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .feature-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .feature-grid { grid-template-columns: 1fr; } }
.feature { padding: 30px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.feature:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature .icon-tile { margin-bottom: 20px; }
.feature h3 { font-size: 1.12rem; }
.feature p { color: var(--muted); font-size: .94rem; margin: 0; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; position: relative; }
.steps::before { content: ""; position: absolute; top: 32px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, var(--line) 0 8px, transparent 8px 16px); }
.step { position: relative; text-align: center; padding: 0 8px; }
.step-num {
  counter-increment: step; position: relative; z-index: 1;
  width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 22px;
  display: grid; place-items: center; background: #fff; border: 2px solid var(--line);
  font-weight: 800; font-size: 1.2rem; color: var(--primary);
  transition: background .3s, color .3s, border-color .3s;
}
.step-num::before { content: "0" counter(step); }
.step:hover .step-num { background: var(--grad); color: var(--ink); border-color: transparent; }
.step h3 { font-size: 1.1rem; }
.step p { color: var(--muted); font-size: .93rem; }
.dark-band .step-num { background: var(--ink-2); border-color: rgba(255, 255, 255, .15); color: #fff; }
.dark-band .steps::before { background: repeating-linear-gradient(90deg, rgba(255, 255, 255, .2) 0 8px, transparent 8px 16px); }
.dark-band .step p { color: rgba(255, 255, 255, .65); }
@media (max-width: 860px) { .steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px; } .steps::before { display: none; } }
@media (max-width: 480px) { .steps { grid-template-columns: 1fr; } }

/* ==========================================================================
   EMI calculator
   ========================================================================== */
.emi {
  display: grid; grid-template-columns: 1.25fr 1fr; gap: 0;
  background: #fff; border-radius: var(--radius-xl); box-shadow: var(--shadow-lg);
  overflow: hidden; border: 1px solid var(--line);
}
@media (max-width: 900px) { .emi { grid-template-columns: 1fr; } }
.emi-controls { padding: clamp(24px, 4vw, 48px); }
.emi-type { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }
.emi-type button {
  padding: 9px 16px; border-radius: 999px; font-size: .88rem; font-weight: 600;
  background: var(--bg-soft); color: var(--text); border: 1.5px solid transparent;
  transition: all .2s;
}
.emi-type button:hover { color: var(--primary); }
.emi-type button.is-active { background: var(--primary-50); color: var(--primary); border-color: var(--primary); }
.range-group { margin-bottom: 30px; }
.range-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; gap: 12px; }
.range-head label { font-weight: 700; color: var(--ink); }
.range-value {
  display: flex; align-items: center; gap: 4px;
  background: var(--bg-soft); border-radius: 10px; padding: 6px 12px;
  font-weight: 800; color: var(--primary); border: 1.5px solid transparent;
}
.range-value:focus-within { border-color: var(--primary); }
.range-value input { width: 110px; border: 0; background: none; text-align: right; font-weight: 800; color: var(--primary); outline: none; }
.range-value small { font-weight: 700; color: var(--muted); }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 8px;
  background: linear-gradient(90deg, var(--gold) 0 var(--p, 50%), var(--line) var(--p, 50%) 100%);
  outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: #fff; border: 6px solid var(--gold); box-shadow: 0 4px 12px rgba(201, 146, 42, .4);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 6px solid var(--gold); box-shadow: 0 4px 12px rgba(201, 146, 42, .4); }
.range-scale { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted); margin-top: 8px; }

.emi-result {
  padding: clamp(24px, 4vw, 48px); background: var(--ink); color: #fff;
  display: flex; flex-direction: column; position: relative; overflow: hidden;
}
.emi-result::before { content: ""; position: absolute; width: 360px; height: 360px; border-radius: 50%; background: #2a3f8f; filter: blur(90px); opacity: .45; top: -160px; right: -120px; }
.emi-result > * { position: relative; }
.emi-monthly { font-size: .9rem; color: rgba(255, 255, 255, .7); font-weight: 600; }
.emi-monthly strong { display: block; font-size: clamp(2.2rem, 4vw, 3rem); color: #fff; font-weight: 800; letter-spacing: -.03em; line-height: 1.1; margin-top: 4px; }
.emi-chart { display: flex; align-items: center; gap: 24px; margin: 32px 0; }
.donut { width: 140px; height: 140px; flex-shrink: 0; transform: rotate(-90deg); }
.donut circle { fill: none; stroke-width: 18; }
.donut .d-bg { stroke: #3a4a86; }
.donut .d-fg { stroke: var(--accent); stroke-linecap: round; transition: stroke-dasharray .5s var(--ease); }
.legend { display: grid; gap: 14px; }
.legend div { display: flex; flex-direction: column; font-size: .82rem; color: rgba(255, 255, 255, .7); }
.legend div::before { content: ""; width: 10px; height: 10px; border-radius: 3px; margin-bottom: 4px; }
.legend .l-p::before { background: var(--accent); }
.legend .l-i::before { background: #3a4a86; }
.legend strong { color: #fff; font-size: 1.05rem; }
.emi-total { display: flex; justify-content: space-between; padding: 18px 0; border-top: 1px solid rgba(255, 255, 255, .12); margin-bottom: 24px; margin-top: auto; }
.emi-total span { color: rgba(255, 255, 255, .7); }
.emi-total strong { color: #fff; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.t-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 960px) { .t-grid { grid-template-columns: 1fr; max-width: 620px; margin-inline: auto; } }
.t-card { padding: 32px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); display: flex; flex-direction: column; }
.t-card:nth-child(2) { background: var(--grad-navy); color: rgba(255, 255, 255, .9); border: 0; }
.t-card:nth-child(2) .t-person strong { color: #fff; }
.t-card:nth-child(2) .t-person span { color: rgba(255, 255, 255, .75); }
.t-card:nth-child(2) .stars { color: var(--accent); }
.stars { display: flex; gap: 3px; color: var(--gold); margin-bottom: 18px; }
.stars svg { width: 18px; height: 18px; }
.t-card blockquote { margin: 0 0 24px; font-size: 1.02rem; flex: 1; }
.t-person { display: flex; align-items: center; gap: 14px; }
.t-person img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.t-person strong { display: block; color: var(--ink); }
.t-person span { font-size: .85rem; color: var(--muted); }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq { max-width: 860px; margin-inline: auto; display: grid; gap: 14px; }
.faq-item { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; transition: box-shadow .3s, border-color .3s; }
.faq-item.is-open { box-shadow: var(--shadow); border-color: transparent; }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 22px 24px; text-align: left; font-weight: 700; color: var(--ink); font-size: 1.04rem;
}
.faq-q .plus { flex-shrink: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--bg-soft); position: relative; transition: background .3s, transform .3s var(--ease); }
.faq-q .plus::before, .faq-q .plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; background: var(--ink); transform: translate(-50%, -50%); border-radius: 2px; transition: transform .3s var(--ease), background .3s; }
.faq-q .plus::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq-item.is-open .plus { background: var(--primary); transform: rotate(180deg); }
.faq-item.is-open .plus::before, .faq-item.is-open .plus::after { background: #fff; }
.faq-item.is-open .plus::after { transform: translate(-50%, -50%) rotate(0); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .35s var(--ease); }
.faq-item.is-open .faq-a { grid-template-rows: 1fr; }
.faq-a > div { overflow: hidden; }
.faq-a p { padding: 0 24px 22px; margin: 0; color: var(--muted); }

/* ==========================================================================
   CTA
   ========================================================================== */
.cta {
  position: relative; overflow: hidden; border-radius: var(--radius-xl);
  padding: clamp(40px, 6vw, 72px); background: var(--grad); color: var(--ink);
  display: grid; grid-template-columns: 1.4fr auto; gap: 32px; align-items: center;
}
.cta::before, .cta::after { content: ""; position: absolute; border-radius: 50%; border: 1px solid rgba(10, 18, 48, .14); }
.cta::before { width: 420px; height: 420px; right: -120px; top: -180px; }
.cta::after { width: 260px; height: 260px; right: 40px; bottom: -160px; }
.cta > * { position: relative; z-index: 1; }
.cta h2 { color: var(--ink); margin-bottom: 10px; }
.cta p { color: var(--ink-2); font-size: 1.1rem; margin: 0; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
@media (max-width: 800px) { .cta { grid-template-columns: 1fr; } }

/* ==========================================================================
   Page hero (inner pages)
   ========================================================================== */
.page-hero {
  position: relative; color: #fff; background: var(--ink);
  padding: calc(var(--header-h) + clamp(48px, 7vw, 96px)) 0 clamp(64px, 8vw, 110px);
  overflow: hidden;
}
.page-hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .35; }
.page-hero::before { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(100deg, rgba(8, 14, 42, .96) 30%, rgba(8, 14, 42, .55) 100%); }
.page-hero::after { content: ""; position: absolute; z-index: 1; width: 520px; height: 520px; border-radius: 50%; background: #c9922a; filter: blur(120px); opacity: .35; right: -120px; top: -160px; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; font-size: clamp(2.2rem, 4.6vw, 3.6rem); max-width: 760px; }
.page-hero p.lead { font-size: 1.15rem; color: rgba(255, 255, 255, .78); max-width: 620px; margin-bottom: 30px; }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: .88rem; color: rgba(255, 255, 255, .6); margin-bottom: 20px; }
.crumbs a:hover { color: #fff; }
.crumbs span[aria-hidden] { opacity: .5; }
.page-hero-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 48px; align-items: center; }
@media (max-width: 960px) { .page-hero-grid { grid-template-columns: 1fr; } }
.hero-facts {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1px; border-radius: var(--radius-lg); overflow: hidden;
  background: rgba(255, 255, 255, .14); border: 1px solid rgba(255, 255, 255, .14); backdrop-filter: blur(12px);
}
.hero-facts div { padding: 24px; background: rgba(11, 20, 55, .55); }
.hero-facts span { display: block; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: rgba(255, 255, 255, .6); font-weight: 600; margin-bottom: 6px; }
.hero-facts strong { font-size: 1.5rem; color: #fff; font-weight: 800; letter-spacing: -.02em; }
.hero-facts small { color: rgba(255, 255, 255, .6); font-size: .85rem; font-weight: 600; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.chip { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); font-size: .86rem; font-weight: 600; }
.chip svg { width: 16px; height: 16px; color: var(--accent); }

/* Info cards (eligibility / documents) */
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 860px) { .info-grid { grid-template-columns: 1fr; } }
.info-card { padding: clamp(28px, 4vw, 40px); border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); }
.info-card h3 { display: flex; align-items: center; gap: 14px; font-size: 1.35rem; margin-bottom: 24px; }
.info-card .check-list { margin: 0; }

/* Table */
.table-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1px solid var(--line); background: #fff; }
table { width: 100%; border-collapse: collapse; min-width: 560px; }
th, td { padding: 18px 24px; text-align: left; border-bottom: 1px solid var(--line); font-size: .96rem; }
th { background: var(--bg-soft); color: var(--ink); font-size: .82rem; text-transform: uppercase; letter-spacing: .06em; }
tr:last-child td { border-bottom: 0; }
td:first-child { font-weight: 600; color: var(--ink); }
.table-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 32px; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-cards { display: grid; gap: 16px; align-content: start; }
.contact-card { display: flex; gap: 18px; padding: 24px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); }
.contact-card strong { display: block; color: var(--ink); font-size: 1.05rem; }
.contact-card span, .contact-card a { color: var(--muted); font-size: .94rem; }
.contact-card a:hover { color: var(--primary); }
.form-card { padding: clamp(24px, 4vw, 44px); border-radius: var(--radius-xl); background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow); }

/* Values / team */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 960px) { .value-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .value-grid { grid-template-columns: 1fr; } }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 960px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
.member { text-align: center; }
.member img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--radius-lg); margin-bottom: 16px; filter: grayscale(.2); transition: filter .3s, transform .3s var(--ease); }
.member:hover img { filter: none; transform: translateY(-4px); }
.member strong { display: block; color: var(--ink); font-size: 1.05rem; }
.member span { color: var(--muted); font-size: .9rem; }

.timeline { display: grid; gap: 0; max-width: 760px; margin-inline: auto; }
.tl-item { display: grid; grid-template-columns: 110px 1fr; gap: 28px; padding-bottom: 36px; position: relative; }
.tl-item::before { content: ""; position: absolute; left: 118px; top: 10px; bottom: 0; width: 2px; background: var(--line); }
.tl-item:last-child::before { display: none; }
.tl-year { font-weight: 800; color: var(--primary); font-size: 1.2rem; text-align: right; }
.tl-body { position: relative; padding-left: 28px; }
.tl-body::before { content: ""; position: absolute; left: -17px; top: 6px; width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 4px solid var(--gold); }
.tl-body h3 { font-size: 1.1rem; margin-bottom: 4px; }
.tl-body p { color: var(--muted); margin: 0; }

/* ==========================================================================
   Modal
   ========================================================================== */
.modal { position: fixed; inset: 0; z-index: 200; display: grid; place-items: center; padding: 16px; visibility: hidden; opacity: 0; transition: opacity .3s, visibility .3s; }
.modal.is-open { visibility: visible; opacity: 1; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(8, 14, 42, .6); backdrop-filter: blur(6px); }
.modal-dialog {
  position: relative; width: min(100%, 560px); max-height: calc(100vh - 32px); overflow-y: auto;
  background: #fff; border-radius: var(--radius-xl); padding: clamp(24px, 4vw, 40px);
  box-shadow: var(--shadow-lg); transform: translateY(24px) scale(.98); transition: transform .35s var(--ease);
}
.modal.is-open .modal-dialog { transform: none; }
.modal-close { position: absolute; top: 18px; right: 18px; width: 40px; height: 40px; border-radius: 50%; background: var(--bg-soft); display: grid; place-items: center; transition: background .2s; }
.modal-close:hover { background: var(--line); }
.modal-close svg { width: 18px; height: 18px; }
.modal h3 { font-size: 1.6rem; margin-bottom: 6px; padding-right: 40px; }
.modal-sub { color: var(--muted); margin-bottom: 24px; }
body.no-scroll { overflow: hidden; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--ink); color: rgba(255, 255, 255, .65); padding-top: 80px; font-size: .95rem; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 56px; }
@media (max-width: 960px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; } }
.footer-brand .brand { margin-bottom: 18px; }
.footer-brand .emblem { width: 58px; height: 58px; }
.footer-brand .brand-text b { font-size: 1.8rem; }
.footer-brand .brand-text small { color: var(--gold-light); }
.tagline { display: flex; align-items: center; gap: 10px; font-size: .72rem; font-weight: 700; letter-spacing: .28em; color: var(--accent); margin-bottom: 16px; }
.tagline i { width: 4px; height: 4px; border-radius: 50%; background: currentColor; }
.footer-brand p { max-width: 320px; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 20px; letter-spacing: 0; }
.footer-links { display: grid; gap: 12px; }
.footer-links a { transition: color .2s, padding .2s; }
.footer-links a:hover { color: #fff; padding-left: 4px; }
.socials { display: flex; gap: 10px; margin-top: 24px; }
.socials a { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: rgba(255, 255, 255, .06); transition: background .2s, color .2s; }
.socials a:hover { background: var(--grad); color: var(--ink); }
.socials svg { width: 18px; height: 18px; }
.newsletter { display: flex; gap: 8px; margin-top: 8px; padding: 6px; background: rgba(255, 255, 255, .06); border-radius: 999px; border: 1px solid rgba(255, 255, 255, .1); }
.newsletter input { flex: 1; min-width: 0; background: none; border: 0; padding: 0 14px; color: #fff; outline: none; }
.newsletter input::placeholder { color: rgba(255, 255, 255, .45); }
.newsletter-msg { font-size: .85rem; color: var(--accent); margin-top: 10px; min-height: 1.2em; }
.footer-contact { display: grid; gap: 12px; margin-bottom: 20px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; margin-top: 3px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); padding: 24px 0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; }
.footer-bottom nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom a:hover { color: #fff; }
.disclaimer { font-size: .78rem; color: rgba(255, 255, 255, .4); padding-bottom: 28px; margin: 0; }

/* Back to top */
.to-top {
  position: fixed; right: 20px; bottom: 20px; z-index: 90; width: 48px; height: 48px; border-radius: 50%;
  background: var(--ink); color: #fff; display: grid; place-items: center; box-shadow: var(--shadow);
  opacity: 0; transform: translateY(16px); pointer-events: none; transition: opacity .3s, transform .3s var(--ease), background .2s;
}
.to-top.is-visible { opacity: 1; transform: none; pointer-events: auto; }
.to-top:hover { background: var(--primary); }
.to-top svg { width: 20px; height: 20px; }

/* ==========================================================================
   Reveal animations
   ========================================================================== */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
.reveal-stagger > * { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal-stagger.is-in > * { opacity: 1; transform: none; }
.reveal-stagger.is-in > *:nth-child(2) { transition-delay: .08s; }
.reveal-stagger.is-in > *:nth-child(3) { transition-delay: .16s; }
.reveal-stagger.is-in > *:nth-child(4) { transition-delay: .24s; }
.reveal-stagger.is-in > *:nth-child(5) { transition-delay: .32s; }
.reveal-stagger.is-in > *:nth-child(6) { transition-delay: .40s; }
.no-js .reveal, .no-js .reveal-stagger > * { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal, .reveal-stagger > * { opacity: 1; transform: none; }
}

/* 404 */
.nf { min-height: 100vh; display: grid; place-items: center; text-align: center; background: var(--ink); color: rgba(255, 255, 255, .75); padding: 120px 16px 60px; }
.nf strong { display: block; font-size: clamp(6rem, 18vw, 12rem); font-weight: 800; line-height: 1; letter-spacing: -.05em; }
.nf h1 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.2rem); }