/* Arike Alajo main stylesheet - extracted from index2.html */

/* ═══════════════════════════════════════════════
   TOKENS
═══════════════════════════════════════════════ */
:root {
    --navy: #0b0e12;
    --navy2: #171e26;
    --navy3: #1a2f4a;
    --teal: #09a55e;
    --teal2: #00A87E;
    --teal-glow: rgba(0, 200, 150, .18);
    --gold: #FFB830;
    --gold2: #e6a520;
    --white: #F8FAF9;
    --card: #fff;
    --light: #EEF2F7;
    --gray: #8A99B0;
    --text: #3A4B62;
    --border: #E2EAF2;
    --font-display: 'Bricolage Grotesque', sans-serif;
    --font-body: 'Inter', sans-serif;
    --radius: 16px;
    --radius-sm: 10px;
    --shadow: 0 12px 40px rgba(10, 22, 40, .10);
    --shadow-lg: 0 24px 64px rgba(10, 22, 40, .18);
}

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

html {
    scroll-behavior: smooth
}

body {
    font-family: var(--font-body);
    background: var(--white);
    color: var(--navy);
    overflow-x: hidden
}

img {
    max-width: 100%;
    display: block
}

a {
    text-decoration: none;
    color: inherit
}

/* ═══════════════════════════════════════════════
   PRELOADER
═══════════════════════════════════════════════ */
#preloader {
    position: fixed;
    inset: 0;
    background: var(--navy);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity .5s, visibility .5s
}

    #preloader.hidden {
        opacity: 0;
        visibility: hidden
    }

.preloader-ring {
    width: 56px;
    height: 56px;
    border: 4px solid rgba(0, 200, 150, .2);
    border-top-color: var(--teal);
    border-radius: 50%;
    animation: spin 1s linear infinite
}

@keyframes spin {
    to {
        transform: rotate(360deg)
    }
}

/* ═══════════════════════════════════════════════
   SCROLL-TO-TOP
═══════════════════════════════════════════════ */
#scrollTop {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 44px;
    height: 44px;
    background: var(--teal);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: .9rem;
    z-index: 500;
    opacity: 0;
    transform: translateY(20px);
    transition: all .3s;
    cursor: pointer
}

    #scrollTop.show {
        opacity: 1;
        transform: translateY(0)
    }

    #scrollTop:hover {
        background: var(--teal2)
    }

/* ═══════════════════════════════════════════════
   UTILS
═══════════════════════════════════════════════ */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px
}

.section-space {
    padding: 96px 0
}

.eyebrow {
    color: var(--teal);
    font-size: .89rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px
}

    .eyebrow::before {
        content: '';
        width: 24px;
        height: 2px;
        background: var(--teal);
        flex-shrink: 0
    }



.eyebrowbig {
    color: var(--teal);
    font-size: 1.2rem;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px
}

    .eyebrowbig::before {
        content: '';
        width: 24px;
        height: 2px;
        background: var(--teal);
        flex-shrink: 0
    }

.sec-title {
    font-family: var(--font-display);
    font-size: clamp(1.9rem, 3vw, 2.7rem);
    font-weight: 800;
    line-height: 1.15;
    color: var(--navy)
}

    .sec-title.light {
        color: #fff
    }

.sec-sub {
    color: var(--gray);
    font-size: 1rem;
    line-height: 1.75;
    margin-top: 14px
}

    .sec-sub.light {
        color: rgba(255, 255, 255, .6)
    }

.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    border-radius: var(--radius-sm);
    padding: 13px 28px;
    font-size: .95rem;
    transition: all .22s;
    cursor: pointer;
    border: none
}

.btn-teal {
    background: var(--teal);
    color: var(--navy)
}

    .btn-teal:hover {
        background: var(--teal2);
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(0, 200, 150, .35)
    }

.btn-outline {
    background: transparent;
    color: #fff;
    border: 1.5px solid rgba(255, 255, 255, .3)
}

    .btn-outline:hover {
        border-color: var(--teal);
        color: var(--teal)
    }

.btn-outline-dark {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--border)
}

    .btn-outline-dark:hover {
        border-color: var(--teal);
        color: var(--teal)
    }

/* ═══════════════════════════════════════════════
   REVEAL ANIMATIONS
═══════════════════════════════════════════════ */
.reveal {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity .7s ease, transform .7s ease
}

    .reveal.visible {
        opacity: 1;
        transform: translateY(0)
    }

.reveal-left {
    opacity: 0;
    transform: translateX(-40px);
    transition: opacity .7s ease, transform .7s ease
}

    .reveal-left.visible {
        opacity: 1;
        transform: translateX(0)
    }

.reveal-right {
    opacity: 0;
    transform: translateX(40px);
    transition: opacity .7s ease, transform .7s ease
}

    .reveal-right.visible {
        opacity: 1;
        transform: translateX(0)
    }

.delay-1 {
    transition-delay: .1s
}

.delay-2 {
    transition-delay: .2s
}

.delay-3 {
    transition-delay: .3s
}

.delay-4 {
    transition-delay: .4s
}

/* ═══════════════════════════════════════════════
   NAV
═══════════════════════════════════════════════ */
.main-nav {
    position: sticky;
    top: 0;
    z-index: 200;
    background: rgba(10, 22, 40, .96);
    backdrop-filter: blur(14px);
    height: 70px;
    border-bottom: 1px solid rgba(255, 255, 255, .06);
    transition: box-shadow .3s;
}

    .main-nav.scrolled {
        box-shadow: 0 4px 32px rgba(0, 0, 0, .4)
    }

.nav-inner {
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.25rem;
    color: #fff
}

.nav-logo-mark {
    width: 34px;
    height: 34px;
    background: var(--teal);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 1.1rem;
    font-weight: 900
}

.nav-logo span {
    color: var(--teal)
}

.nav-links {
    display: flex;
    gap: 6px;
    list-style: none
}

    .nav-links > li {
        position: relative
    }

        .nav-links > li > a {
            display: block;
            padding: 8px 14px;
            color: rgba(255, 255, 255, .75);
            font-size: .875rem;
            font-weight: 500;
            border-radius: 6px;
            transition: all .2s
        }

        .nav-links > li:hover > a,
        .nav-links > li.active > a {
            color: #fff;
            background: rgba(255, 255, 255, .08)
        }

/* dropdown */
.nav-dropdown {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    background: var(--navy2);
    border: 1px solid rgba(255, 255, 255, .1);
    border-radius: 12px;
    padding: 8px;
    min-width: 200px;
    box-shadow: 0 16px 40px rgba(0, 0, 0, .4)
}

.nav-links > li:hover .nav-dropdown {
    display: block;
    animation: dropDown .2s ease
}

@keyframes dropDown {
    from {
        opacity: 0;
        transform: translateY(-8px)
    }

    to {
        opacity: 1;
        transform: translateY(0)
    }
}

.nav-dropdown a {
    display: block;
    padding: 9px 14px;
    color: rgba(255, 255, 255, .7);
    font-size: .85rem;
    border-radius: 8px;
    transition: all .2s
}

    .nav-dropdown a:hover {
        background: rgba(0, 200, 150, .12);
        color: var(--teal)
    }

.nav-actions {
    display: flex;
    gap: 10px;
    align-items: center
}

.nav-hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px
}

    .nav-hamburger span {
        width: 24px;
        height: 2px;
        background: #fff;
        border-radius: 2px;
        transition: all .3s
    }

/* mobile nav */
.mobile-nav {
    position: fixed;
    inset: 0;
    background: var(--navy);
    z-index: 300;
    transform: translateX(100%);
    transition: transform .35s cubic-bezier(.4, 0, .2, 1);
    padding: 80px 28px 40px;
    overflow-y: auto
}

    .mobile-nav.open {
        transform: translateX(0)
    }

.mobile-nav-close {
    position: absolute;
    top: 20px;
    right: 20px;
    background: rgba(255, 255, 255, .08);
    border: none;
    color: #fff;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    font-size: 1.1rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center
}

.mobile-nav ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-bottom: 32px
}

.mobile-nav a {
    display: block;
    padding: 12px 16px;
    color: rgba(255, 255, 255, .8);
    font-size: 1rem;
    border-radius: 8px;
    transition: all .2s
}

    .mobile-nav a:hover {
        background: rgba(0, 200, 150, .12);
        color: var(--teal)
    }

.mobile-sub {
    padding-left: 16px;
    margin-top: 4px
}

    .mobile-sub a {
        font-size: .9rem;
        color: rgba(255, 255, 255, .55)
    }

/* ═══════════════════════════════════════════════
   HERO SLIDER
═══════════════════════════════════════════════ */
.hero-slider {
    position: relative;
    overflow: hidden;
    min-height: calc(100vh - 70px);
    background: var(--navy)
}

.slide {
    position: absolute;
    inset: 0;
    opacity: 0;
    transition: opacity .9s ease;
    display: grid;
    grid-template-columns: 1fr 1fr;
    min-height: calc(100vh - 70px)
}

    .slide.active {
        opacity: 1;
        position: relative
    }

.slide-left {
    padding: 80px 0 80px 6%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
    z-index: 2
}

.slide-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(0, 200, 150, .12);
    border: 1px solid rgba(0, 200, 150, .3);
    color: var(--teal);
    font-size: .78rem;
    font-weight: 700;
    padding: 6px 16px;
    border-radius: 100px;
    margin-bottom: 24px;
    letter-spacing: .05em;
    text-transform: uppercase;
    width: fit-content
}

    .slide-eyebrow::before {
        content: '';
        width: 6px;
        height: 6px;
        border-radius: 50%;
        background: var(--teal);
        animation: pulse 2s infinite
    }

@keyframes pulse {

    0%, 100% {
        opacity: 1;
        transform: scale(1)
    }

    50% {
        opacity: .4;
        transform: scale(1.5)
    }
}

.slide h1 {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: clamp(2.3rem, 4.5vw, 3.7rem);
    line-height: 1.08;
    color: #fff;
    margin-bottom: 20px
}

    .slide h1 em {
        font-style: normal;
        color: var(--teal)
    }

.slide-text {
    color: rgba(255, 255, 255, .62);
    font-size: 1.05rem;
    line-height: 1.75;
    max-width: 480px;
    margin-bottom: 36px
}

.slide-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 40px
}

.slide-trust {
    display: flex;
    gap: 20px;
    flex-wrap: wrap
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 7px;
    color: rgba(255, 255, 255, .5);
    font-size: .8rem
}

    .trust-item i {
        color: var(--teal)
    }

/* slide right image */
.slide-right {
    position: relative;
    overflow: hidden
}

.slide-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top
}

.slide-img-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, var(--navy) 0%, transparent 40%)
}

/* badge on image */
.slide-badge {
    position: absolute;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    background: rgba(255, 255, 255, .95);
    border-radius: 14px;
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 200px;
    box-shadow: 0 12px 40px rgba(0, 0, 0, .25);
    white-space: nowrap
}

.sbadge-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(0, 200, 150, .15);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0
}

.sbadge-label {
    font-size: .72rem;
    color: var(--gray);
    font-weight: 500
}

.sbadge-val {
    font-size: .95rem;
    font-weight: 800;
    color: var(--navy)
}

/* slider controls */
.slider-dots {
    position: absolute;
    bottom: 28px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 8px;
    z-index: 10
}

.dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .3);
    cursor: pointer;
    transition: all .3s
}

    .dot.active {
        background: var(--teal);
        width: 24px;
        border-radius: 4px
    }

.slider-arrows {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 100%;
    display: flex;
    justify-content: space-between;
    padding: 0 20px;
    z-index: 10;
    pointer-events: none
}

.arrow-btn {
    pointer-events: all;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .1);
    border: 1px solid rgba(255, 255, 255, .2);
    color: #fff;
    font-size: 1rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all .2s
}

    .arrow-btn:hover {
        background: var(--teal);
        border-color: var(--teal);
        color: var(--navy)
    }

/* ═══════════════════════════════════════════════
   STATS STRIP
═══════════════════════════════════════════════ */
.stats-strip {
    background: var(--navy2);
    border-top: 1px solid rgba(255, 255, 255, .06);
    border-bottom: 1px solid rgba(255, 255, 255, .06)
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr)
}

.stat-item {
    padding: 28px 20px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, .06)
}

    .stat-item:last-child {
        border-right: none
    }

.stat-icon {
    color: var(--teal);
    font-size: 1.3rem;
    margin-bottom: 8px
}

.stat-num {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 800;
    color: var(--teal);
    line-height: 1
}

.stat-lbl {
    color: rgba(255, 255, 255, .5);
    font-size: .8rem;
    margin-top: 4px
}

/* ═══════════════════════════════════════════════
   ABOUT
═══════════════════════════════════════════════ */
.about-section {
    padding: 96px 0;
    background: var(--white)
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center
}

.about-images {
    position: relative;
    height: 480px
}

.about-img-main {
    position: absolute;
    left: 0;
    top: 0;
    width: 65%;
    height: 100%;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg)
}

.about-img-sec {
    position: absolute;
    right: 0;
    bottom: 40px;
    width: 48%;
    height: 60%;
    object-fit: cover;
    border-radius: 16px;
    border: 4px solid #fff;
    box-shadow: var(--shadow-lg)
}

.about-badge {
    position: absolute;
    bottom: -10px;
    left: 32px;
    background: var(--teal);
    color: var(--navy);
    border-radius: 14px;
    padding: 16px 20px;
    font-family: var(--font-display);
    font-weight: 800;
    box-shadow: 0 8px 24px rgba(0, 200, 150, .4);
    z-index: 2
}

.about-badge-num {
    font-size: 2rem;
    line-height: 1
}

.about-badge-lbl {
    font-size: .75rem;
    font-weight: 600
}

.about-funfacts {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 28px 0
}

.funfact-row {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 16px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 12px
}

.funfact-icon {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    background: rgba(0, 200, 150, .1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal);
    font-size: 1.2rem;
    flex-shrink: 0
}

.funfact-num {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--navy)
}

.funfact-lbl {
    color: var(--gray);
    font-size: .82rem
}

/* ═══════════════════════════════════════════════
   SERVICES / LOAN CARDS
═══════════════════════════════════════════════ */
.services-section {
    padding: 96px 0;
    background: var(--light)
}

.services-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 48px;
    flex-wrap: wrap;
    gap: 20px
}

/* CAROUSEL */
.loan-carousel {
    position: relative;
    overflow: hidden
}

.loan-track {
    display: flex;
    gap: 24px;
    transition: transform .5s cubic-bezier(.4, 0, .2, 1)
}

.loan-card {
    flex: 0 0 calc(33.333% - 16px);
    background: var(--card);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: all .3s;
    border: 1px solid var(--border);
    display: flex;
    flex-direction: column
}

    .loan-card:hover {
        transform: translateY(-8px);
        box-shadow: var(--shadow-lg);
        border-color: var(--teal)
    }

.loan-card-img {
    height: 200px;
    overflow: hidden;
    position: relative
}

    .loan-card-img img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        transition: transform .5s
    }

.loan-card:hover .loan-card-img img {
    transform: scale(1.06)
}

.loan-card-img-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(10, 22, 40, .7) 0%, transparent 60%)
}

.loan-card-num {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--teal);
    color: var(--navy);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: .85rem;
    padding: 4px 12px;
    border-radius: 100px
}

.loan-card-body {
    padding: 24px;
    flex: 1;
    display: flex;
    flex-direction: column
}

.loan-card-icon {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    background: rgba(0, 200, 150, .1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal);
    font-size: 1.2rem;
    margin-bottom: 14px
}

.loan-card h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px
}

.loan-card p {
    color: var(--gray);
    font-size: .875rem;
    line-height: 1.65;
    flex: 1
}

.loan-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--teal);
    font-size: .85rem;
    font-weight: 700;
    margin-top: 18px;
    transition: gap .2s
}

    .loan-card-link:hover {
        gap: 10px
    }

/* carousel nav */
.carousel-nav {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
    margin-top: 32px
}

.carousel-btn {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--card);
    border: 1.5px solid var(--border);
    color: var(--navy);
    font-size: .9rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all .2s
}

    .carousel-btn:hover {
        background: var(--teal);
        border-color: var(--teal);
        color: var(--navy)
    }

.carousel-dots {
    display: flex;
    gap: 8px
}

.cdot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--border);
    cursor: pointer;
    transition: all .3s
}

    .cdot.active {
        background: var(--teal);
        width: 20px;
        border-radius: 4px
    }

/* ═══════════════════════════════════════════════
   MISSION / VISION / VALUES TABS
═══════════════════════════════════════════════ */
.mvv-section {
    padding: 80px 0;
    background: var(--navy)
}

.mvv-inner {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 60px;
    align-items: stretch
}

.mvv-tabs {
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex-shrink: 0
}

.mvv-tab-btn {
    padding: 14px 28px;
    background: rgba(255, 255, 255, .06);
    border: 1px solid rgba(255, 255, 255, .1);
    border-radius: 10px;
    color: rgba(255, 255, 255, .6);
    font-weight: 600;
    font-size: .9rem;
    cursor: pointer;
    transition: all .2s;
    text-align: left;
    white-space: nowrap
}

    .mvv-tab-btn.active {
        background: var(--teal);
        border-color: var(--teal);
        color: var(--navy)
    }

.mvv-content {
    display: none;
    animation: fadeSlide .4s ease
}

    .mvv-content.active {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 40px;
        align-items: center
    }

@keyframes fadeSlide {
    from {
        opacity: 0;
        transform: translateX(20px)
    }

    to {
        opacity: 1;
        transform: translateX(0)
    }
}

.mvv-img {
    border-radius: 16px;
    overflow: hidden;
    height: 320px
}

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

.mvv-text h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 16px
}

.mvv-text p {
    color: rgba(255, 255, 255, .65);
    line-height: 1.75;
    font-size: .95rem
}

.mvv-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 16px
}

    .mvv-list li {
        display: flex;
        align-items: flex-start;
        gap: 10px;
        color: rgba(255, 255, 255, .7);
        font-size: .9rem;
        line-height: 1.6
    }

        .mvv-list li i {
            color: var(--teal);
            margin-top: 3px;
            flex-shrink: 0
        }

/* ═══════════════════════════════════════════════
   WHY US
═══════════════════════════════════════════════ */
.why-section {
    padding: 96px 0;
    background: var(--white)
}

.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center
}

.why-features {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-top: 32px
}

.feature-card {
    display: flex;
    gap: 16px;
    padding: 20px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 14px;
    transition: all .25s
}

    .feature-card:hover {
        box-shadow: var(--shadow);
        border-color: var(--teal);
        transform: translateX(6px)
    }

.feature-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(0, 200, 150, .1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal);
    font-size: 1.2rem;
    flex-shrink: 0
}

.feature-card h4 {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 4px
}

.feature-card p {
    color: var(--gray);
    font-size: .85rem;
    line-height: 1.55
}

/* why visual */
.why-visual {
    position: relative;
    display: flex;
    justify-content: center
}

.why-img-wrap {
    border-radius: 24px;
    overflow: hidden;
    width: 90%;
    box-shadow: var(--shadow-lg)
}

    .why-img-wrap img {
        width: 100%;
        height: 400px;
        object-fit: cover
    }

.why-float-card {
    position: absolute;
    background: #fff;
    border-radius: 14px;
    padding: 16px 18px;
    box-shadow: 0 16px 48px rgba(10, 22, 40, .18);
    display: flex;
    align-items: center;
    gap: 12px
}

    .why-float-card.top {
        top: -20px;
        right: -10px;
        animation: floatY 4s ease-in-out infinite
    }

    .why-float-card.bot {
        bottom: 20px;
        left: -20px;
        animation: floatY 4s ease-in-out infinite 2s
    }

@keyframes floatY {

    0%, 100% {
        transform: translateY(0)
    }

    50% {
        transform: translateY(-10px)
    }
}

.wfc-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem
}

    .wfc-icon.g {
        background: rgba(0, 200, 150, .12)
    }

    .wfc-icon.y {
        background: rgba(255, 184, 48, .12)
    }

.wfc-lbl {
    font-size: .72rem;
    color: var(--gray);
    font-weight: 500
}

.wfc-val {
    font-size: .9rem;
    font-weight: 800;
    color: var(--navy)
}

/* ═══════════════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════════════ */
.how-section {
    padding: 96px 0;
    background: var(--navy)
}

.how-header {
    text-align: center;
    margin-bottom: 60px
}

    .how-header .sec-sub {
        margin: 14px auto 0;
        max-width: 500px
    }

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    position: relative
}

    .steps-grid::after {
        content: '';
        position: absolute;
        top: 52px;
        left: 20%;
        right: 20%;
        height: 2px;
        background: rgba(0, 200, 150, .2)
    }

.step-card {
    text-align: center;
    padding: 0 32px
}

.step-circle {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: rgba(0, 200, 150, .1);
    border: 2px solid rgba(0, 200, 150, .25);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    position: relative;
    z-index: 1;
    transition: all .3s
}

    .step-circle:hover {
        background: var(--teal);
        border-color: var(--teal)
    }

        .step-circle:hover i {
            color: var(--navy)
        }

    .step-circle i {
        color: var(--teal);
        font-size: 1.5rem;
        transition: color .3s
    }

.step-num-badge {
    position: absolute;
    top: -6px;
    right: -6px;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--teal);
    color: var(--navy);
    font-size: .7rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center
}

.step-card h4 {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 10px
}

.step-card p {
    color: rgba(255, 255, 255, .55);
    font-size: .875rem;
    line-height: 1.65
}

/* ═══════════════════════════════════════════════
   FAQ / LOAN BENEFITS
═══════════════════════════════════════════════ */
.faq-section {
    padding: 96px 0;
    background: var(--white)
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center
}

.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 32px
}

.acc-item {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 14px;
    overflow: hidden;
    transition: border-color .2s
}

    .acc-item.open {
        border-color: var(--teal)
    }

.acc-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 20px;
    cursor: pointer;
    user-select: none
}

    .acc-header h4 {
        font-family: var(--font-display);
        font-size: 1rem;
        font-weight: 700;
        color: var(--navy)
    }

.acc-icon {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--light);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray);
    font-size: .8rem;
    flex-shrink: 0;
    transition: all .3s
}

.acc-item.open .acc-icon {
    background: var(--teal);
    color: var(--navy);
    transform: rotate(45deg)
}

.acc-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height .35s ease, padding .3s
}

.acc-item.open .acc-body {
    max-height: 300px
}

.acc-body-inner {
    padding: 0 20px 18px
}

    .acc-body-inner p {
        color: var(--text);
        font-size: .875rem;
        line-height: 1.7
    }

/* faq images */
.faq-images {
    position: relative;
    height: 460px
}

.faq-img-main {
    position: absolute;
    right: 0;
    top: 0;
    width: 70%;
    height: 100%;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg)
}

.faq-img-sec {
    position: absolute;
    left: 0;
    bottom: 40px;
    width: 52%;
    height: 52%;
    object-fit: cover;
    border-radius: 16px;
    border: 4px solid #fff;
    box-shadow: var(--shadow-lg)
}

.faq-badge {
    position: absolute;
    top: 32px;
    left: 24px;
    background: var(--gold);
    color: var(--navy);
    border-radius: 12px;
    padding: 12px 16px;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.3rem;
    box-shadow: 0 8px 24px rgba(255, 184, 48, .4);
    text-align: center
}

.faq-badge-lbl {
    font-size: .7rem;
    font-weight: 600;
    display: block
}

/* ═══════════════════════════════════════════════
   TESTIMONIALS SLIDER
═══════════════════════════════════════════════ */
.testi-section {
    padding: 96px 0;
    background: var(--light)
}

.testi-header {
    text-align: center;
    margin-bottom: 52px
}

    .testi-header .sec-sub {
        margin: 14px auto 0
    }

.testi-carousel {
    position: relative;
    overflow: hidden
}

.testi-track {
    display: flex;
    gap: 24px;
    transition: transform .5s cubic-bezier(.4, 0, .2, 1)
}

.testi-card {
    flex: 0 0 calc(33.333% - 16px);
    background: var(--card);
    border-radius: 20px;
    padding: 32px;
    border: 1px solid var(--border);
    transition: all .3s
}

    .testi-card:hover {
        transform: translateY(-6px);
        box-shadow: var(--shadow-lg);
        border-color: rgba(0, 200, 150, .3)
    }

.testi-quote {
    color: var(--teal);
    font-size: 2rem;
    line-height: 1;
    margin-bottom: 14px;
    font-family: Georgia, serif
}

.testi-stars {
    color: var(--gold);
    font-size: .9rem;
    margin-bottom: 14px
}

.testi-text {
    color: var(--text);
    font-size: .9rem;
    line-height: 1.75;
    margin-bottom: 22px;
    font-style: italic
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 12px
}

.testi-av {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--teal)
}

.testi-av-fallback {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: .9rem;
    flex-shrink: 0;
    color: #fff
}

.testi-name {
    font-weight: 700;
    font-size: .875rem;
    color: var(--navy)
}

.testi-role {
    font-size: .75rem;
    color: var(--gray)
}

/* ═══════════════════════════════════════════════
   CONTACT / CTA
═══════════════════════════════════════════════ */
.contact-section {
    padding: 96px 0;
    background: var(--navy);
    position: relative;
    overflow: hidden
}

    .contact-section::before {
        content: '';
        position: absolute;
        top: 50%;
        left: 50%;
        transform: translate(-50%, -50%);
        width: 800px;
        height: 500px;
        background: radial-gradient(ellipse, rgba(0, 200, 150, .1) 0%, transparent 70%);
        pointer-events: none
    }

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1
}

.contact-img-wrap {
    position: relative;
    border-radius: 24px;
    overflow: hidden
}

    .contact-img-wrap img {
        width: 100%;
        height: 500px;
        object-fit: cover
    }

.contact-img-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, var(--navy) 0%, transparent 60%)
}

.contact-form-box h3 {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 8px
}

.contact-form-box p {
    color: rgba(255, 255, 255, .55);
    font-size: .95rem;
    margin-bottom: 28px
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 12px
}

.form-control {
    background: rgba(255, 255, 255, .07);
    border: 1.5px solid rgba(255, 255, 255, .12);
    color: #fff;
    padding: 13px 16px;
    border-radius: 10px;
    font-size: .9rem;
    font-family: var(--font-body);
    transition: border-color .2s;
    outline: none
}

    .form-control::placeholder {
        color: rgba(255, 255, 255, .35)
    }

    .form-control:focus {
        border-color: var(--teal)
    }

    .form-control option {
        background: var(--navy2);
        color: #fff
    }

.range-wrap {
    background: rgba(255, 255, 255, .07);
    border: 1.5px solid rgba(255, 255, 255, .12);
    border-radius: 10px;
    padding: 16px
}

.range-label {
    color: rgba(255, 255, 255, .6);
    font-size: .82rem;
    margin-bottom: 12px
}

.range-val {
    color: var(--teal);
    font-weight: 700;
    font-size: 1.1rem;
    margin-bottom: 10px
}

input[type=range] {
    width: 100%;
    accent-color: var(--teal);
    cursor: pointer
}

/* ═══════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════ */
footer {
    background: var(--navy);
    border-top: 1px solid rgba(255, 255, 255, .06)
}

.footer-top {
    padding: 64px 0 48px
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px
}

.footer-brand-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.2rem;
    color: #fff;
    margin-bottom: 14px
}

    .footer-brand-logo span {
        color: var(--teal)
    }

.footer-brand-desc {
    color: rgba(255, 255, 255, .4);
    font-size: .875rem;
    line-height: 1.7;
    max-width: 260px;
    margin-bottom: 20px
}

.footer-social {
    display: flex;
    gap: 10px
}

.social-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, .15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, .45);
    font-size: .8rem;
    transition: all .2s
}

    .social-icon:hover {
        border-color: var(--teal);
        color: var(--teal);
        background: rgba(0, 200, 150, .08)
    }

.footer-col-title {
    color: rgba(255, 255, 255, .9);
    font-size: .85rem;
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: .04em
}

.footer-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px
}

    .footer-links a {
        color: rgba(255, 255, 255, .45);
        font-size: .85rem;
        transition: color .2s
    }

        .footer-links a:hover {
            color: var(--teal)
        }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .06);
    padding: 20px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px
}

.footer-copy {
    color: rgba(255, 255, 255, .3);
    font-size: .8rem
}

/* ═══════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════ */
@media(max-width:1024px) {
    .slide {
        grid-template-columns: 1fr
    }

    .slide-right {
        display: none
    }

    .loan-card {
        flex: 0 0 calc(50% - 12px)
    }

    .testi-card {
        flex: 0 0 calc(50% - 12px)
    }

    .mvv-inner {
        grid-template-columns: 1fr;
        gap: 32px
    }

    .mvv-tabs {
        flex-direction: row;
        flex-wrap: wrap
    }

    .mvv-content.active {
        grid-template-columns: 1fr
    }

    .mvv-img {
        display: none
    }

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

@media(max-width:768px) {

    .nav-links,
    .nav-actions .btn:not(.nav-menu-btn) {
        display: none
    }

    .nav-hamburger {
        display: flex
    }

    .about-grid,
    .why-grid,
    .faq-grid,
    .contact-grid,
    .steps-grid {
        grid-template-columns: 1fr
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr)
    }

    .loan-card,
    .testi-card {
        flex: 0 0 calc(100% - 0px)
    }

    .about-images,
    .faq-images {
        height: 300px
    }

    .why-visual {
        display: none
    }

    .services-header {
        flex-direction: column;
        align-items: flex-start
    }

    .slide h1 {
        font-size: 2rem
    }

    section.section-space {
        padding: 64px 0
    }
}

@media(max-width:480px) {
    .stats-grid {
        grid-template-columns: repeat(2, 1fr)
    }

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

    .slider-arrows {
        display: none
    }
}


/* ═══════════════════════════════════════════════
   TOPBAR LOGO LAYOUT FIX
   Add this at the END of wwwroot/assets/css/style.css
═══════════════════════════════════════════════ */

.main-nav.topbar {
    height: 70px;
    display: flex;
    align-items: stretch;
    background: var(--navy2);
    padding: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .08);
}

.topbar-logo-area {
    width: 289px;
    height: 70px;
    background: #dbf3e8;
    display: flex;
    align-items: center;
    padding: 0 22px;
    flex-shrink: 0;
}

.topbar-logo-link {
    display: flex;
    align-items: center;
    width: 100%;
}

.topbar-logo-img {
    width: 224px;
    height: auto;
    max-height: 58px;
    object-fit: contain;
    display: block;
}

.topbar-menu-area {
    flex: 1;
    min-width: 0;
    background: var(--navy);
}

.topbar-menu-inner {
    height: 70px;
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    padding: 0 94px 0 40px;
}

.topbar .nav-links {
    grid-column: 2;
    justify-self: center;
    gap: 18px;
}

    .topbar .nav-links > li > a {
        color: rgba(255, 255, 255, .72);
        font-weight: 700;
    }

    .topbar .nav-links > li:hover > a,
    .topbar .nav-links > li.active > a {
        color: #fff;
        background: transparent;
    }

.topbar-actions {
    grid-column: 3;
    justify-self: end;
}

.topbar-cta {
    padding: 13px 23px !important;
    border-radius: 10px;
    font-size: .9rem !important;
}

/* Tablet */
@media (max-width: 1024px) {
    .topbar-logo-area {
        width: 260px;
        padding: 0 18px;
    }

    .topbar-logo-img {
        width: 220px;
    }

    .topbar-menu-inner {
        padding: 0 28px;
        grid-template-columns: auto 1fr auto;
    }

    .topbar .nav-links {
        grid-column: 1;
        justify-self: start;
        gap: 8px;
    }

    .topbar-actions {
        grid-column: 3;
    }
}

/* Mobile */
@media (max-width: 768px) {
    .main-nav.topbar {
        height: 70px;
    }

    .topbar-logo-area {
        width: 268px;
        max-width: calc(100% - 76px);
        height: 70px;
        padding: 0 18px;
        border-radius: 0 14px 14px 0;
    }

    .topbar-logo-img {
        width: 225px;
        max-width: 100%;
        max-height: 58px;
    }

    .topbar-menu-area {
        min-width: 76px;
    }

    .topbar-menu-inner {
        height: 70px;
        display: flex;
        justify-content: flex-end;
        padding: 0 20px;
    }

    .topbar-actions {
        display: flex;
        align-items: center;
        justify-content: flex-end;
    }
}

@media (max-width: 380px) {
    .topbar-logo-area {
        width: 235px;
    }

    .topbar-logo-img {
        width: 200px;
    }

    .topbar-menu-inner {
        padding-right: 16px;
    }
}


/* ======================================================
           LOANS PAGE - scoped styles. Uses the same design tokens
           already available in assets/css/style.css
        ====================================================== */
.loans-page {
    background: var(--white);
}

.loans-hero {
    position: relative;
    overflow: hidden;
    background: var(--navy);
    min-height: 560px;
    display: grid;
    grid-template-columns: 1fr 1fr;
}

    .loans-hero::before {
        content: '';
        position: absolute;
        inset: 0;
        background: radial-gradient(circle at 18% 20%, rgba(0, 200, 150, .16), transparent 32%), radial-gradient(circle at 75% 70%, rgba(255, 184, 48, .10), transparent 34%);
        pointer-events: none;
        z-index: 1;
    }

.loans-hero-left {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    padding: 86px 0 86px 6%;
}

.loans-hero-content {
    max-width: 620px;
    padding-right: 24px;
}

.loans-breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    align-items: center;
    color: rgba(255,255,255,.45);
    font-size: .86rem;
    margin-bottom: 24px;
}

    .loans-breadcrumb a {
        color: var(--teal);
        font-weight: 700;
    }

.loans-hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2.35rem, 5vw, 4.2rem);
    line-height: 1.05;
    font-weight: 800;
    color: #fff;
    margin-bottom: 22px;
}

    .loans-hero h1 em {
        font-style: normal;
        color: var(--teal);
    }

.loans-hero-text {
    color: rgba(255,255,255,.64);
    font-size: 1.04rem;
    line-height: 1.78;
    max-width: 560px;
    margin-bottom: 32px;
}

.loans-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 34px;
}

.loans-hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.loans-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 14px;
    border-radius: 100px;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.10);
    color: rgba(255,255,255,.72);
    font-size: .84rem;
    font-weight: 600;
}

    .loans-pill i {
        color: var(--teal);
    }

.loans-hero-right {
    position: relative;
    min-height: 560px;
    z-index: 1;
}

.loans-hero-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.loans-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, var(--navy) 0%, rgba(10,22,40,.76) 20%, rgba(10,22,40,.06) 74%);
}

.loans-hero-card {
    position: absolute;
    left: 42px;
    bottom: 42px;
    z-index: 3;
    width: min(340px, calc(100% - 64px));
    background: rgba(255,255,255,.96);
    border-radius: 18px;
    padding: 20px;
    box-shadow: var(--shadow-lg);
}

.loans-hero-card-top {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
}

.loans-hero-card-icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: rgba(0, 200, 150, .14);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal);
    font-size: 1.2rem;
    flex-shrink: 0;
}

.loans-hero-card strong {
    display: block;
    font-family: var(--font-display);
    color: var(--navy);
    font-size: 1.08rem;
}

.loans-hero-card span {
    color: var(--gray);
    font-size: .79rem;
}

.loan-anchor-strip {
    background: #2f4239;
    border-top: 1px solid rgba(255,255,255,.06);
    border-bottom: 1px solid rgba(255,255,255,.06);
    position: sticky;
    top: 70px;
    z-index: 120;
}

.loan-anchor-list {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
    list-style: none;
    padding: 15px 0;
}

    .loan-anchor-list a {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        color: rgba(255,255,255,.68);
        font-size: .86rem;
        font-weight: 700;
        padding: 9px 14px;
        border-radius: 100px;
        background: rgba(255,255,255,.055);
        border: 1px solid rgba(255,255,255,.08);
        transition: all .22s ease;
    }

        .loan-anchor-list a:hover,
        .loan-anchor-list a.active {
            color: var(--navy);
            background: var(--teal);
            border-color: var(--teal);
        }

.loan-section {
    scroll-margin-top: 145px;
    padding: 96px 0;
    position: relative;
}

    .loan-section:nth-of-type(odd) {
        background: var(--light);
    }

.loan-detail-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(340px, .92fr);
    gap: 58px;
    align-items: center;
}

.loan-section.alt .loan-detail-grid {
    grid-template-columns: minmax(340px, .92fr) minmax(0, 1.08fr);
}

.loan-section.alt .loan-copy {
    order: 2;
}

.loan-section.alt .loan-visual {
    order: 1;
}

.loan-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 44px;
    height: 30px;
    padding: 0 13px;
    border-radius: 100px;
    background: rgba(0, 200, 150, .12);
    color: var(--teal);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: .86rem;
    margin-bottom: 16px;
}

.loan-copy .sec-title {
    margin-bottom: 16px;
}

.loan-lead {
    color: var(--text);
    font-size: 1rem;
    line-height: 1.8;
    margin-bottom: 26px;
}

.loan-benefits {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
    margin: 24px 0 28px;
}

.loan-benefit {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    padding: 14px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 12px;
    color: var(--navy);
    font-size: .88rem;
    font-weight: 700;
    line-height: 1.5;
}

    .loan-benefit i {
        color: var(--teal);
        margin-top: 3px;
        flex-shrink: 0;
    }

.loan-steps-box {
    background: var(--navy);
    border-radius: 18px;
    padding: 24px;
    margin-top: 26px;
    box-shadow: var(--shadow);
}

    .loan-steps-box h4 {
        color: #fff;
        font-family: var(--font-display);
        font-size: 1.15rem;
        margin-bottom: 14px;
        display: flex;
        align-items: center;
        gap: 10px;
    }

        .loan-steps-box h4 i {
            color: var(--teal);
        }

    .loan-steps-box ol {
        margin-left: 18px;
        color: rgba(255,255,255,.65);
        line-height: 1.75;
        font-size: .92rem;
    }

.loan-note {
    margin-top: 18px;
    padding: 16px 18px;
    border-left: 4px solid var(--teal);
    background: rgba(0, 200, 150, .08);
    border-radius: 0 12px 12px 0;
    color: var(--text);
    line-height: 1.7;
    font-size: .9rem;
}

.loan-visual {
    position: relative;
}

.loan-image-stack {
    position: relative;
    min-height: 465px;
}

.loan-main-img {
    position: absolute;
    inset: 0 auto auto 0;
    width: 78%;
    height: 420px;
    object-fit: cover;
    border-radius: 22px;
    box-shadow: var(--shadow-lg);
}

.loan-side-img {
    position: absolute;
    right: 0;
    bottom: 0;
    width: 52%;
    height: 260px;
    object-fit: cover;
    border-radius: 18px;
    border: 5px solid #fff;
    box-shadow: var(--shadow-lg);
}

.loan-floating-card {
    position: absolute;
    left: 24px;
    bottom: 26px;
    z-index: 3;
    background: #fff;
    border-radius: 16px;
    padding: 14px 18px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 16px 48px rgba(10,22,40,.18);
}

    .loan-floating-card .icon {
        width: 42px;
        height: 42px;
        border-radius: 12px;
        background: rgba(0,200,150,.12);
        color: var(--teal);
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 1.05rem;
        flex-shrink: 0;
    }

    .loan-floating-card small {
        display: block;
        color: var(--gray);
        font-size: .72rem;
        font-weight: 600;
    }

    .loan-floating-card strong {
        display: block;
        color: var(--navy);
        font-family: var(--font-display);
        font-size: 1rem;
    }

.loan-overview-grid {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 18px;
    margin-top: 44px;
}

.loan-overview-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 22px;
    box-shadow: var(--shadow);
    transition: all .25s ease;
    min-height: 210px;
    display: flex;
    flex-direction: column;
}

    .loan-overview-card:hover {
        transform: translateY(-7px);
        border-color: var(--teal);
        box-shadow: var(--shadow-lg);
    }

.loan-overview-icon {
    width: 48px;
    height: 48px;
    border-radius: 13px;
    background: rgba(0, 200, 150, .10);
    color: var(--teal);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    margin-bottom: 16px;
}

.loan-overview-card h3 {
    font-family: var(--font-display);
    font-size: 1.03rem;
    margin-bottom: 8px;
    color: var(--navy);
}

.loan-overview-card p {
    color: var(--gray);
    font-size: .84rem;
    line-height: 1.65;
    flex: 1;
}

.loan-overview-card span {
    color: var(--teal);
    margin-top: 14px;
    font-size: .84rem;
    font-weight: 800;
    display: inline-flex;
    align-items: center;
    gap: 7px;
}

.loan-process-section {
    padding: 96px 0;
    background: var(--navy);
}

.loan-process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    margin-top: 42px;
}

.loan-process-card {
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.10);
    border-radius: 18px;
    padding: 28px;
    transition: all .25s ease;
}

    .loan-process-card:hover {
        transform: translateY(-6px);
        border-color: rgba(0,200,150,.5);
        background: rgba(0,200,150,.08);
    }

.loan-process-no {
    width: 52px;
    height: 52px;
    border-radius: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--teal);
    color: var(--navy);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.25rem;
    margin-bottom: 18px;
}

.loan-process-card h3 {
    color: #fff;
    font-family: var(--font-display);
    font-size: 1.18rem;
    margin-bottom: 10px;
}

.loan-process-card p {
    color: rgba(255,255,255,.58);
    line-height: 1.7;
    font-size: .9rem;
}

.loan-final-cta {
    position: relative;
    overflow: hidden;
    padding: 84px 0;
    background: linear-gradient(135deg, var(--teal), var(--teal2));
}

    .loan-final-cta::after {
        content: '';
        position: absolute;
        width: 560px;
        height: 560px;
        border-radius: 50%;
        right: -180px;
        top: -260px;
        background: rgba(255,255,255,.13);
    }

.loan-cta-inner {
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: space-between;
    gap: 34px;
    align-items: center;
}

    .loan-cta-inner h2 {
        font-family: var(--font-display);
        color: var(--navy);
        font-size: clamp(1.8rem, 3vw, 2.7rem);
        line-height: 1.15;
        margin-bottom: 10px;
    }

    .loan-cta-inner p {
        color: rgba(10,22,40,.75);
        line-height: 1.72;
        max-width: 650px;
    }

.btn-navy {
    background: var(--navy);
    color: #fff;
}

    .btn-navy:hover {
        background: var(--navy2);
        transform: translateY(-2px);
    }

@media(max-width: 1100px) {
    .loan-overview-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media(max-width: 1024px) {
    .loans-hero {
        grid-template-columns: 1fr;
        min-height: auto;
    }

    .loans-hero-left {
        padding: 72px 24px;
    }

    .loans-hero-content {
        padding-right: 0;
    }

    .loans-hero-right {
        display: none;
    }

    .loan-detail-grid,
    .loan-section.alt .loan-detail-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .loan-section.alt .loan-copy,
    .loan-section.alt .loan-visual {
        order: initial;
    }

    .loan-process-grid {
        grid-template-columns: 1fr;
    }
}

@media(max-width: 768px) {
    .loan-anchor-strip {
        position: relative;
        top: auto;
    }

    .loan-anchor-list {
        justify-content: flex-start;
        overflow-x: auto;
        flex-wrap: nowrap;
        padding: 14px 0;
        -webkit-overflow-scrolling: touch;
    }

        .loan-anchor-list a {
            white-space: nowrap;
        }

    .loan-section {
        padding: 68px 0;
        scroll-margin-top: 84px;
    }

    .loan-benefits {
        grid-template-columns: 1fr;
    }

    .loan-image-stack {
        min-height: auto;
        display: grid;
        gap: 14px;
    }

    .loan-main-img,
    .loan-side-img {
        position: static;
        width: 100%;
        height: 300px;
        border: none;
    }

    .loan-floating-card {
        left: 16px;
        bottom: 16px;
    }

    .loan-overview-grid {
        grid-template-columns: 1fr;
    }

    .loan-cta-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}


/* ======================================================
       CONTACT PAGE - scoped styles
       Designed to follow the existing Home / Loans page style
    ====================================================== */
.contact-page {
    background: var(--white);
    overflow: hidden;
}

.contact-hero {
    position: relative;
    overflow: hidden;
    background: var(--navy);
    min-height: 560px;
    display: grid;
    grid-template-columns: 1fr 1fr;
}

    .contact-hero::before {
        content: '';
        position: absolute;
        inset: 0;
        background: radial-gradient(circle at 18% 20%, rgba(9,165,94,.18), transparent 34%), radial-gradient(circle at 78% 72%, rgba(255,184,48,.11), transparent 35%);
        pointer-events: none;
        z-index: 1;
    }

.contact-hero-left {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    padding: 86px 0 86px 6%;
}

.contact-hero-content {
    max-width: 630px;
    padding-right: 28px;
}

.contact-breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    align-items: center;
    color: rgba(255,255,255,.45);
    font-size: .86rem;
    margin-bottom: 24px;
}

    .contact-breadcrumb a {
        color: var(--teal);
        font-weight: 800;
    }

.contact-hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2.35rem, 5vw, 4.2rem);
    line-height: 1.05;
    font-weight: 800;
    color: #fff;
    margin-bottom: 22px;
}

    .contact-hero h1 em {
        font-style: normal;
        color: var(--teal);
    }

.contact-hero-text {
    color: rgba(255,255,255,.66);
    font-size: 1.04rem;
    line-height: 1.78;
    max-width: 560px;
    margin-bottom: 32px;
}

.contact-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 34px;
}

.btn-whatsapp {
    background: #25D366;
    color: var(--navy);
    box-shadow: 0 12px 32px rgba(37,211,102,.28);
}

    .btn-whatsapp:hover {
        transform: translateY(-2px);
        box-shadow: 0 16px 42px rgba(37,211,102,.38);
        background: #20bd5a;
    }

.contact-hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.contact-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 14px;
    border-radius: 100px;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.10);
    color: rgba(255,255,255,.74);
    font-size: .84rem;
    font-weight: 700;
}

    .contact-pill i {
        color: var(--teal);
    }

.contact-hero-right {
    position: relative;
    min-height: 560px;
    z-index: 1;
}

.contact-hero-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.contact-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, var(--navy) 0%, rgba(10,22,40,.72) 22%, rgba(10,22,40,.06) 74%);
}

.contact-hero-card {
    position: absolute;
    left: 42px;
    bottom: 42px;
    z-index: 3;
    width: min(360px, calc(100% - 64px));
    background: rgba(255,255,255,.96);
    border-radius: 18px;
    padding: 22px;
    box-shadow: var(--shadow-lg);
}

.contact-hero-card-top {
    display: flex;
    align-items: center;
    gap: 13px;
    margin-bottom: 12px;
}

.contact-hero-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: rgba(37,211,102,.16);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #128C4A;
    font-size: 1.45rem;
    flex-shrink: 0;
}

.contact-hero-card strong {
    display: block;
    font-family: var(--font-display);
    color: var(--navy);
    font-size: 1.12rem;
}

.contact-hero-card span {
    color: var(--gray);
    font-size: .82rem;
    line-height: 1.55;
}

.contact-hero-card .mini-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #128C4A;
    font-weight: 800;
    margin-top: 14px;
    font-size: .88rem;
}

.contact-anchor-strip {
    background: var(--navy2);
    border-top: 1px solid rgba(255,255,255,.06);
    border-bottom: 1px solid rgba(255,255,255,.06);
    position: sticky;
    top: 70px;
    z-index: 120;
}

.contact-anchor-list {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
    list-style: none;
    padding: 15px 0;
}

    .contact-anchor-list a {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        color: rgba(255,255,255,.68);
        font-size: .86rem;
        font-weight: 800;
        padding: 9px 14px;
        border-radius: 100px;
        background: rgba(255,255,255,.055);
        border: 1px solid rgba(255,255,255,.08);
        transition: all .22s ease;
    }

        .contact-anchor-list a:hover,
        .contact-anchor-list a.active {
            color: var(--navy);
            background: var(--teal);
            border-color: var(--teal);
        }

.contact-section-wrap {
    scroll-margin-top: 145px;
    padding: 96px 0;
    position: relative;
}

    .contact-section-wrap.light-bg {
        background: var(--light);
    }

.contact-cards-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
    margin-top: 42px;
}

.contact-info-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 24px;
    box-shadow: var(--shadow);
    transition: all .25s ease;
    min-height: 210px;
    display: flex;
    flex-direction: column;
}

    .contact-info-card:hover {
        transform: translateY(-7px);
        border-color: var(--teal);
        box-shadow: var(--shadow-lg);
    }

    .contact-info-card.highlight {
        border-color: rgba(37,211,102,.45);
        background: linear-gradient(180deg, rgba(37,211,102,.10), #fff 48%);
    }

.contact-info-icon {
    width: 50px;
    height: 50px;
    border-radius: 14px;
    background: rgba(9,165,94,.10);
    color: var(--teal);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    margin-bottom: 16px;
}

.contact-info-card.highlight .contact-info-icon {
    background: rgba(37,211,102,.18);
    color: #128C4A;
}

.contact-info-card h3 {
    font-family: var(--font-display);
    font-size: 1.08rem;
    margin-bottom: 8px;
    color: var(--navy);
}

.contact-info-card p,
.contact-info-card a {
    color: var(--gray);
    font-size: .88rem;
    line-height: 1.65;
}

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

.contact-info-card .card-action {
    margin-top: auto;
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: var(--teal);
    font-weight: 800;
    font-size: .86rem;
    padding-top: 16px;
}

.contact-main-grid {
    display: grid;
    grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr);
    gap: 58px;
    align-items: stretch;
}

.contact-side-panel {
    position: relative;
    background: var(--navy);
    border-radius: 24px;
    overflow: hidden;
    min-height: 620px;
    box-shadow: var(--shadow-lg);
}

    .contact-side-panel::before {
        content: '';
        position: absolute;
        inset: 0;
        background: linear-gradient(to top, rgba(11,14,18,.96), rgba(11,14,18,.18)), url('https://images.unsplash.com/photo-1551836022-4c4c79ecde51?w=900&auto=format&fit=crop&q=80') center/cover no-repeat;
    }

.contact-side-content {
    position: relative;
    z-index: 1;
    min-height: 620px;
    padding: 34px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
}

.whatsapp-panel {
    background: rgba(255,255,255,.96);
    border-radius: 20px;
    padding: 24px;
    box-shadow: var(--shadow-lg);
}

.whatsapp-panel-top {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 14px;
}

.whatsapp-big-icon {
    width: 58px;
    height: 58px;
    border-radius: 18px;
    background: #25D366;
    color: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    flex-shrink: 0;
}

.whatsapp-panel h3 {
    font-family: var(--font-display);
    color: var(--navy);
    font-size: 1.32rem;
    margin-bottom: 2px;
}

.whatsapp-panel p {
    color: var(--text);
    font-size: .92rem;
    line-height: 1.7;
    margin-bottom: 18px;
}

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

.contact-form-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 24px;
    padding: 34px;
    box-shadow: var(--shadow-lg);
}

    .contact-form-card h2 {
        font-family: var(--font-display);
        font-size: clamp(1.75rem, 3vw, 2.35rem);
        color: var(--navy);
        margin-bottom: 8px;
    }

    .contact-form-card > p {
        color: var(--gray);
        line-height: 1.75;
        margin-bottom: 28px;
    }

.contact-form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.contact-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

    .contact-field.full {
        grid-column: 1 / -1;
    }

    .contact-field label {
        color: var(--navy);
        font-weight: 800;
        font-size: .84rem;
    }

.contact-input,
.contact-textarea,
.contact-select {
    width: 100%;
    border: 1.5px solid var(--border);
    background: #fff;
    color: var(--navy);
    padding: 14px 15px;
    border-radius: 12px;
    font-size: .92rem;
    font-family: var(--font-body);
    outline: none;
    transition: all .2s ease;
}

    .contact-input:focus,
    .contact-textarea:focus,
    .contact-select:focus {
        border-color: var(--teal);
        box-shadow: 0 0 0 4px rgba(9,165,94,.10);
    }

.contact-textarea {
    min-height: 150px;
    resize: vertical;
}

.contact-form-note {
    margin: 18px 0 24px;
    padding: 16px 18px;
    border-left: 4px solid var(--teal);
    background: rgba(9,165,94,.08);
    border-radius: 0 12px 12px 0;
    color: var(--text);
    line-height: 1.7;
    font-size: .9rem;
}

.office-hours-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(340px, .9fr);
    gap: 58px;
    align-items: center;
}

.hours-list {
    display: grid;
    gap: 14px;
    margin-top: 26px;
}

.hours-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 18px 20px;
    box-shadow: var(--shadow);
}

    .hours-row strong {
        color: var(--navy);
        font-family: var(--font-display);
    }

    .hours-row span {
        color: var(--gray);
        font-weight: 700;
        text-align: right;
    }

.map-card {
    min-height: 420px;
    border-radius: 24px;
    background: linear-gradient(135deg, rgba(11,14,18,.88), rgba(11,14,18,.70)), url('https://images.unsplash.com/photo-1569336415962-a4bd9f69cd83?w=900&auto=format&fit=crop&q=80') center/cover no-repeat;
    box-shadow: var(--shadow-lg);
    padding: 32px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    overflow: hidden;
}

.map-pin {
    width: 62px;
    height: 62px;
    border-radius: 18px;
    background: var(--teal);
    color: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.55rem;
    margin-bottom: 18px;
}

.map-card h3 {
    color: #fff;
    font-family: var(--font-display);
    font-size: 1.42rem;
    margin-bottom: 8px;
}

.map-card p {
    color: rgba(255,255,255,.64);
    line-height: 1.75;
}

.contact-faq-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 58px;
    align-items: start;
}

.contact-faq-intro {
    position: sticky;
    top: 160px;
}

.contact-final-cta {
    position: relative;
    overflow: hidden;
    padding: 84px 0;
    background: linear-gradient(135deg, var(--teal), var(--teal2));
}

    .contact-final-cta::after {
        content: '';
        position: absolute;
        width: 560px;
        height: 560px;
        border-radius: 50%;
        right: -180px;
        top: -260px;
        background: rgba(255,255,255,.13);
    }

.contact-cta-inner {
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: space-between;
    gap: 34px;
    align-items: center;
}

    .contact-cta-inner h2 {
        font-family: var(--font-display);
        color: var(--navy);
        font-size: clamp(1.8rem, 3vw, 2.7rem);
        line-height: 1.15;
        margin-bottom: 10px;
    }

    .contact-cta-inner p {
        color: rgba(10,22,40,.75);
        line-height: 1.72;
        max-width: 650px;
    }

.btn-navy {
    background: var(--navy);
    color: #fff;
}

    .btn-navy:hover {
        background: var(--navy2);
        transform: translateY(-2px);
    }

.floating-whatsapp {
    position: fixed;
    left: 24px;
    bottom: 24px;
    z-index: 490;
    width: 58px;
    height: 58px;
    border-radius: 50%;
    background: #25D366;
    color: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    box-shadow: 0 16px 40px rgba(37,211,102,.34);
    transition: all .22s ease;
}

    .floating-whatsapp:hover {
        transform: translateY(-4px) scale(1.04);
    }

@media(max-width: 1100px) {
    .contact-cards-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media(max-width: 1024px) {
    .contact-hero {
        grid-template-columns: 1fr;
        min-height: auto;
    }

    .contact-hero-left {
        padding: 72px 24px;
    }

    .contact-hero-content {
        padding-right: 0;
    }

    .contact-hero-right {
        display: none;
    }

    .contact-main-grid,
    .office-hours-grid,
    .contact-faq-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .contact-faq-intro {
        position: static;
    }
}

@media(max-width: 768px) {
    .contact-anchor-strip {
        position: relative;
        top: auto;
    }

    .contact-anchor-list {
        justify-content: flex-start;
        overflow-x: auto;
        flex-wrap: nowrap;
        padding: 14px 0;
        -webkit-overflow-scrolling: touch;
    }

        .contact-anchor-list a {
            white-space: nowrap;
        }

    .contact-section-wrap {
        padding: 68px 0;
        scroll-margin-top: 84px;
    }

    .contact-cards-grid,
    .contact-form-grid {
        grid-template-columns: 1fr;
    }

    .contact-field.full {
        grid-column: auto;
    }

    .contact-side-panel,
    .contact-side-content {
        min-height: 520px;
    }

    .contact-form-card,
    .contact-side-content {
        padding: 24px;
    }

    .contact-cta-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .floating-whatsapp {
        width: 54px;
        height: 54px;
        left: 16px;
        bottom: 16px;
    }
}


/* ═══════════════════════════════════════════════
   NAV DROPDOWN HOVER FIX
   This fixes the elusive submenu by keeping the hover area alive
   while moving from the parent menu item to the dropdown box.
═══════════════════════════════════════════════ */
.nav-links > li {
    position: relative;
}

    /* Invisible bridge between the menu text and the dropdown */
    .nav-links > li::after {
        content: '';
        position: absolute;
        left: -12px;
        right: -12px;
        top: 100%;
        height: 22px;
        display: none;
        background: transparent;
    }

    .nav-links > li:hover::after,
    .nav-links > li:focus-within::after {
        display: block;
    }

.nav-dropdown {
    display: block !important;
    top: calc(100% + 4px);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(8px);
    transition: opacity .18s ease, transform .18s ease, visibility .18s ease;
    z-index: 9999;
}

    .nav-links > li:hover > .nav-dropdown,
    .nav-links > li:focus-within > .nav-dropdown,
    .nav-dropdown:hover {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        transform: translateY(0);
    }

    .nav-dropdown li,
    .nav-dropdown a {
        position: relative;
        z-index: 2;
    }

/* Makes the desktop dropdown easier to use without affecting mobile */
@media (min-width: 769px) {
    .topbar .nav-dropdown {
        min-width: 220px;
    }

        .topbar .nav-dropdown a {
            padding: 11px 14px;
        }
}


/* ═══════════════════════════════════════════════
   MOBILE RESPONSIVE GLOBAL FIX
   Applies to Index, About, Loans, Contact and TandC pages.
   Goal: on mobile, image / visual block appears above text block.
═══════════════════════════════════════════════ */

html,
body {
    max-width: 100%;
    overflow-x: hidden;
}

img,
video,
iframe {
    max-width: 100%;
}

.loans-page,
.about-page,
.contact-page,
.tandc-page {
    overflow-x: hidden;
}

@media (max-width: 1200px) {
    .topbar-menu-inner {
        padding-left: 28px;
        padding-right: 28px;
    }

    .topbar .nav-links {
        gap: 10px;
    }
}

@media (max-width: 1100px) {
    .loan-overview-grid,
    .about-value-grid,
    .about-stat-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    }

    .contact-cards-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    }

    .tandc-rules-grid,
    .tandc-disclosure-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    }
}

@media (max-width: 1024px) {
    /* HERO SECTIONS: show image first, text below */
    .hero-slider,
    .slide,
    .loans-hero,
    .contact-hero {
        min-height: auto !important;
    }

    .slide,
    .loans-hero,
    .contact-hero {
        grid-template-columns: 1fr !important;
    }

    .slide.active {
        display: grid !important;
    }

    .slide-left,
    .loans-hero-left,
    .contact-hero-left {
        order: 2 !important;
        padding: 46px 24px 58px !important;
        width: 100% !important;
    }

    .slide-right,
    .loans-hero-right,
    .contact-hero-right {
        order: 1 !important;
        display: block !important;
        min-height: auto !important;
        height: auto !important;
        width: 100% !important;
        position: relative !important;
        overflow: hidden !important;
        background: var(--navy);
    }

    .slide-img,
    .loans-hero-img,
    .contact-hero-img {
        width: 100% !important;
        height: 320px !important;
        min-height: 320px !important;
        object-fit: cover !important;
        object-position: center !important;
        display: block !important;
    }

    .slide-img-overlay,
    .loans-hero-overlay,
    .contact-hero-overlay {
        background: linear-gradient(180deg, rgba(11,14,18,.04) 0%, rgba(11,14,18,.74) 100%) !important;
        pointer-events: none !important;
    }

    .slide-badge,
    .loans-hero-card,
    .contact-hero-card {
        left: 18px !important;
        right: 18px !important;
        bottom: 18px !important;
        transform: none !important;
        width: auto !important;
        max-width: none !important;
        min-width: 0 !important;
    }

    .slide h1,
    .loans-hero h1,
    .contact-hero h1 {
        font-size: clamp(2rem, 8vw, 3rem) !important;
    }

    .slide-text,
    .loans-hero-text,
    .contact-hero-text {
        max-width: 100% !important;
    }

    .slide-actions,
    .loans-hero-actions,
    .contact-hero-actions {
        margin-bottom: 24px !important;
    }

    .slide-trust,
    .loans-hero-points,
    .contact-hero-points {
        gap: 10px !important;
    }

    /* MAIN TWO-COLUMN GRIDS */
    .about-grid,
    .why-grid,
    .faq-grid,
    .contact-grid,
    .loan-detail-grid,
    .loan-section.alt .loan-detail-grid,
    .about-story-grid,
    .contact-main-grid,
    .office-hours-grid,
    .contact-faq-grid,
    .tandc-intro-grid {
        grid-template-columns: 1fr !important;
        gap: 34px !important;
    }

    /* Image / visual block first */
    .about-images,
    .about-story-images,
    .why-visual,
    .faq-images,
    .contact-img-wrap,
    .loan-visual,
    .loan-section.alt .loan-visual,
    .contact-side-panel,
    .map-card,
    .tandc-summary-panel,
    .tandc-protection-panel {
        order: 1 !important;
        display: block !important;
    }

    /* Text block second */
    .about-grid > div:not(.about-images),
    .why-grid > div:not(.why-visual),
    .faq-grid > div:not(.faq-images),
    .contact-form-box,
    .loan-copy,
    .loan-section.alt .loan-copy,
    .about-story-copy,
    .contact-form-card,
    .office-hours-grid > div:not(.map-card),
    .tandc-intro-copy {
        order: 2 !important;
    }

    .loan-section.alt .loan-copy,
    .loan-section.alt .loan-visual {
        order: initial;
    }

    .loan-section.alt .loan-visual {
        order: 1 !important;
    }

    .loan-section.alt .loan-copy {
        order: 2 !important;
    }

    .why-visual {
        justify-content: center !important;
    }

    .why-img-wrap {
        width: 100% !important;
    }

    .why-img-wrap img,
    .contact-img-wrap img,
    .map-card {
        height: 360px !important;
        min-height: 360px !important;
    }

    .contact-side-panel,
    .contact-side-content {
        min-height: 520px !important;
    }

    .mvv-inner,
    .mvv-content.active {
        grid-template-columns: 1fr !important;
    }

    .mvv-img {
        display: block !important;
        order: 1 !important;
        height: 300px !important;
    }

    .mvv-text {
        order: 2 !important;
    }

    .loan-anchor-strip,
    .contact-anchor-strip,
    .tandc-anchor-strip {
        position: relative !important;
        top: auto !important;
    }
}

@media (max-width: 768px) {
    body {
        font-size: 15px;
    }

    .container {
        padding-left: 18px !important;
        padding-right: 18px !important;
    }

    .section-space,
    .about-section,
    .services-section,
    .why-section,
    .how-section,
    .faq-section,
    .testi-section,
    .contact-section,
    .loan-section,
    .loan-process-section,
    .contact-section-wrap,
    .tandc-intro-section {
        padding-top: 62px !important;
        padding-bottom: 62px !important;
    }

    .sec-title {
        font-size: clamp(1.75rem, 8vw, 2.25rem) !important;
    }

    .sec-sub,
    .loan-lead,
    .loans-hero-text,
    .contact-hero-text,
    .slide-text {
        font-size: .95rem !important;
        line-height: 1.75 !important;
    }

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

    .slide-actions,
    .loans-hero-actions,
    .contact-hero-actions,
    .loan-cta-inner,
    .contact-cta-inner {
        flex-direction: column !important;
        align-items: stretch !important;
    }

    .slide-img,
    .loans-hero-img,
    .contact-hero-img {
        height: 280px !important;
        min-height: 280px !important;
    }

    .slide-badge,
    .loans-hero-card,
    .contact-hero-card {
        position: relative !important;
        left: auto !important;
        right: auto !important;
        bottom: auto !important;
        margin: -74px 18px 20px !important;
        z-index: 3 !important;
    }

    .slide-right,
    .loans-hero-right,
    .contact-hero-right {
        padding-bottom: 0 !important;
    }

    .about-images,
    .about-story-images,
    .faq-images {
        height: auto !important;
        min-height: auto !important;
        display: grid !important;
        gap: 14px !important;
    }

    .about-img-main,
    .about-img-sec,
    .faq-img-main,
    .faq-img-sec,
    .about-story-main,
    .about-story-sec {
        position: static !important;
        width: 100% !important;
        height: 280px !important;
        border: none !important;
        border-radius: 18px !important;
        object-fit: cover !important;
    }

    .about-badge,
    .faq-badge {
        position: static !important;
        width: fit-content !important;
        margin-top: -72px !important;
        margin-left: 16px !important;
        z-index: 3 !important;
    }

    .loan-image-stack {
        min-height: auto !important;
        display: grid !important;
        gap: 14px !important;
    }

    .loan-main-img,
    .loan-side-img {
        position: static !important;
        width: 100% !important;
        height: 280px !important;
        border: none !important;
        border-radius: 18px !important;
        object-fit: cover !important;
    }

    .loan-floating-card {
        position: static !important;
        margin-top: -82px !important;
        margin-left: 16px !important;
        width: fit-content !important;
        max-width: calc(100% - 32px) !important;
    }

    .why-visual {
        display: flex !important;
    }

    .why-img-wrap img,
    .contact-img-wrap img,
    .map-card {
        height: 300px !important;
        min-height: 300px !important;
    }

    .why-float-card {
        position: static !important;
        margin-top: 14px !important;
        animation: none !important;
    }

    .why-visual {
        display: block !important;
    }

    .contact-side-panel,
    .contact-side-content {
        min-height: 480px !important;
    }

    .contact-form-card,
    .contact-side-content,
    .whatsapp-panel,
    .tandc-summary-panel,
    .tandc-protection-panel {
        padding: 22px !important;
        border-radius: 18px !important;
    }

    .contact-form-grid,
    .contact-cards-grid,
    .office-hours-grid,
    .contact-faq-grid,
    .loan-benefits,
    .loan-overview-grid,
    .loan-process-grid,
    .about-value-grid,
    .about-stat-grid,
    .tandc-rules-grid,
    .tandc-disclosure-grid {
        grid-template-columns: 1fr !important;
    }

    .loan-anchor-list,
    .contact-anchor-list,
    .tandc-anchor-list {
        justify-content: flex-start !important;
        overflow-x: auto !important;
        flex-wrap: nowrap !important;
        padding: 14px 0 !important;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
    }

    .loan-anchor-list::-webkit-scrollbar,
    .contact-anchor-list::-webkit-scrollbar,
    .tandc-anchor-list::-webkit-scrollbar {
        display: none;
    }

    .loan-anchor-list a,
    .contact-anchor-list a,
    .tandc-anchor-list a {
        white-space: nowrap !important;
    }

    .stats-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    }

    .stat-item {
        border-right: 0 !important;
        border-bottom: 1px solid rgba(255,255,255,.06);
    }

    .footer-grid {
        grid-template-columns: 1fr !important;
        gap: 28px !important;
    }

    .footer-bottom .container,
    .footer-bottom {
        flex-direction: column !important;
        align-items: flex-start !important;
        text-align: left !important;
    }

    .hours-row {
        flex-direction: column !important;
        align-items: flex-start !important;
    }

    .hours-row span {
        text-align: left !important;
    }

    .contact-final-cta,
    .loan-final-cta {
        padding: 60px 0 !important;
    }

    .floating-whatsapp {
        left: 16px !important;
        bottom: 16px !important;
        width: 54px !important;
        height: 54px !important;
        z-index: 600 !important;
    }
}

@media (max-width: 480px) {
    .container {
        padding-left: 16px !important;
        padding-right: 16px !important;
    }

    .topbar-logo-area {
        width: calc(100% - 74px) !important;
        padding-left: 14px !important;
        padding-right: 14px !important;
    }

    .topbar-logo-img {
        width: 205px !important;
        max-width: 100% !important;
    }

    .topbar-menu-inner {
        padding-left: 14px !important;
        padding-right: 14px !important;
    }

    .slide-img,
    .loans-hero-img,
    .contact-hero-img,
    .about-img-main,
    .about-img-sec,
    .faq-img-main,
    .faq-img-sec,
    .about-story-main,
    .about-story-sec,
    .loan-main-img,
    .loan-side-img {
        height: 240px !important;
        min-height: 240px !important;
    }

    .why-img-wrap img,
    .contact-img-wrap img,
    .map-card {
        height: 260px !important;
        min-height: 260px !important;
    }

    .stats-grid {
        grid-template-columns: 1fr !important;
    }

    .contact-info-card,
    .loan-overview-card,
    .loan-process-card,
    .about-value-card,
    .tandc-rule-card,
    .tandc-disclosure-card {
        padding: 20px !important;
    }

    .tandc-page-title {
        font-size: clamp(2rem, 12vw, 2.55rem) !important;
    }
}