/* ==========================================================
   SAUDI FUNDING BRIDGE — Design tokens (light + dark)
   ========================================================== */
:root{
  --navy:        #0B1D3A;
  --blue:        #14468C;
  --blue-2:      #1E5AAE;
  --gold:        #C9A227;
  --gold-2:      #E1BE55;
  --teal:        #159A73;
  --cyan:        #1FB7C8;

  --bg:          #F5F7FB;
  --surface:     #FFFFFF;
  --surface-2:   #EEF1F8;
  --text:        #10182B;
  --muted:       #5B6478;
  --border:      #E3E6EE;
  --shadow:      0 20px 50px -20px rgba(11,29,58,0.18);

  --radius:      16px;
  --max-w:       1200px;
  --pad:         clamp(20px,5vw,64px);

  --font-display: 'Playfair Display', serif;
  --font-body: 'Inter', -apple-system, sans-serif;

  color-scheme: light;
}

[data-theme="dark"]{
  --bg:          #0A1120;
  --surface:     #101A30;
  --surface-2:   #16223D;
  --text:        #EEF2FA;
  --muted:       #9AA5C0;
  --border:      #223258;
  --blue:        #4A83E0;
  --blue-2:      #6EA1F2;
  --gold:        #E7C356;
  --shadow:      0 20px 60px -20px rgba(0,0,0,0.6);
  color-scheme: dark;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--bg);
  color:var(--text);
  font-family:var(--font-body);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  transition:background .25s ease, color .25s ease;
}
img{max-width:100%; display:block;}
a{color:inherit; text-decoration:none;}
::selection{background:var(--gold); color:var(--navy);}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:.001ms !important; transition-duration:.001ms !important; scroll-behavior:auto !important;}
}
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}

.wrap{max-width:var(--max-w); margin:0 auto; padding-left:var(--pad); padding-right:var(--pad);}
.eyebrow{
  font-size:12.5px; letter-spacing:.14em; text-transform:uppercase;
  color:var(--gold); font-weight:600; display:flex; align-items:center; gap:10px;
}
.eyebrow::before{content:""; width:22px; height:2px; background:var(--gold); display:inline-block;}
h1,h2,h3,h4{font-family:var(--font-display); font-weight:600; margin:0; letter-spacing:-.01em;}
p{margin:0;}
.muted{color:var(--muted);}
.section{padding:clamp(56px,9vw,110px) 0;}
.section-alt{background:var(--surface-2);}
.section-head{max-width:640px; margin:0 auto clamp(32px,5vw,56px); text-align:center;}
.section-head h2{font-size:clamp(28px,4vw,42px); margin-top:12px;}
.section-head p{margin-top:14px; color:var(--muted); font-size:16px;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:10px; justify-content:center;
  font-family:var(--font-body); font-weight:600; font-size:14.5px;
  padding:14px 26px; border-radius:999px; border:1px solid transparent;
  cursor:pointer; transition:transform .18s ease, box-shadow .18s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px);}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-2)); color:var(--navy); box-shadow:0 12px 30px -10px rgba(201,162,39,.55);}
.btn-outline{border-color:var(--border); color:var(--text); background:transparent;}
.btn-outline:hover{border-color:var(--gold);}
.btn-navy{background:var(--navy); color:#fff;}
[data-theme="dark"] .btn-navy{background:var(--blue);}
.btn-block{width:100%;}
.btn-sm{padding:10px 18px; font-size:13px;}

/* ---------- Header ---------- */
.site-header{
  position:sticky; top:0; z-index:100;
  background:color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter:blur(10px) saturate(140%);
  border-bottom:1px solid var(--border);
}
.site-header .wrap{display:flex; align-items:center; justify-content:space-between; padding-top:16px; padding-bottom:16px; gap:20px;}
.brand{display:flex; align-items:center; gap:12px;}
.brand-icon{
  width:38px; height:38px; border-radius:10px;
  background:linear-gradient(135deg,var(--navy),var(--blue));
  display:flex; align-items:center; justify-content:center; color:var(--gold); font-family:var(--font-display); font-weight:700; font-size:18px;
  flex-shrink:0;
}
.brand-text{display:flex; flex-direction:column; line-height:1.1;}
.brand-text .b1{font-family:var(--font-display); font-weight:700; font-size:17px;}
.brand-text .b2{font-size:10.5px; letter-spacing:.12em; text-transform:uppercase; color:var(--muted);}
.header-name{display:none; font-family:var(--font-display); font-size:13px; letter-spacing:.12em; text-transform:uppercase; color:var(--text); margin-right:10px;}

nav.main-nav ul{list-style:none; display:flex; gap:clamp(14px,2.4vw,28px); margin:0; padding:0; align-items:center;}
nav.main-nav a{font-size:14px; font-weight:500; padding-bottom:4px; border-bottom:1px solid transparent; transition:color .2s ease,border-color .2s ease;}
nav.main-nav a:hover, nav.main-nav a.active{color:var(--blue); border-color:var(--gold);}
[data-theme="dark"] nav.main-nav a:hover, [data-theme="dark"] nav.main-nav a.active{color:var(--blue-2);}

.header-actions{display:flex; align-items:center; gap:16px;}
.site-name{font-weight:600; font-size:14px; color:var(--text);}

.theme-toggle{
  width:40px; height:40px; border-radius:50%; border:1px solid var(--border);
  background:var(--surface); display:flex; align-items:center; justify-content:center;
  cursor:pointer; color:var(--text); flex-shrink:0;
}
.theme-toggle svg{width:18px; height:18px;}
.theme-toggle .icon-moon{display:none;}
[data-theme="dark"] .theme-toggle .icon-sun{display:none;}
[data-theme="dark"] .theme-toggle .icon-moon{display:block;}

.nav-toggle{display:none;}
@media (max-width:860px){
  nav.main-nav ul{
    position:fixed; inset:66px 0 auto 0; background:var(--bg); flex-direction:column; align-items:flex-start;
    padding:22px var(--pad) 30px; border-bottom:1px solid var(--border); gap:16px;
    transform:translateY(-14px); opacity:0; pointer-events:none; transition:transform .25s ease, opacity .25s ease;
  }
  nav.main-nav ul.open{transform:translateY(0); opacity:1; pointer-events:auto;}
  .nav-toggle{
    display:inline-flex; align-items:center; justify-content:center; width:40px; height:40px;
    border:1px solid var(--border); border-radius:10px; background:var(--surface); cursor:pointer;
  }
  .nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{content:""; display:block; width:16px; height:1.5px; background:var(--text); position:relative;}
  .nav-toggle span::before{position:absolute; top:-5px;}
  .nav-toggle span::after{position:absolute; top:5px;}
}
/* mobile nav visibility fixes */
@media (max-width:860px){
  nav.main-nav ul{
    z-index:120; /* ensure it sits above the sticky header */
    max-height:calc(100vh - 66px);
    overflow-y:auto; /* allow scrolling when content exceeds viewport */
    -webkit-overflow-scrolling:touch;
    padding-bottom:40px;
  }

  /* ensure the open state is positioned and fully visible */
  nav.main-nav ul.open{
    position:fixed;
    top:66px;
    left:0;
    right:0;
    bottom:0;
    transform:none;
    opacity:1;
    pointer-events:auto;
    z-index:140;
    background:var(--bg);
  }

  /* make the toggle button clickable above everything */
  .nav-toggle{position:relative; z-index:150;}

  .header-actions{
    gap:8px;
    margin-right:calc(-1 * var(--pad));
    padding-right:var(--pad);
  }
  .header-actions .btn{padding:8px 12px; font-size:13px;}
  .header-actions .btn.btn-gold{padding:8px 12px;}
}

@media (max-width:860px){
  .header-name{display:block;}
  .brand-text{display:none;}
  .header-actions{justify-content:flex-end;}
  .nav-toggle{order:2;}
  .theme-toggle{order:1;}
}

/* Stronger mobile nav overlay so all items are visible */
@media (max-width:860px){
  nav.main-nav ul{
    top:0; /* overlay from top so it appears above header */
    inset:auto 0 0 0; /* keep left/right 0 and bottom 0 */
    padding-top:76px; /* leave space so header visually sits above list */
    background:var(--bg);
  }
  nav.main-nav ul li{width:100%;}
  nav.main-nav ul li a{display:block; padding:14px 0; font-size:16px; border-bottom:1px solid var(--border);}

  /* compact header actions and branding on small phones */
  @media (max-width:480px){
    .brand-text{display:none;} /* keep logo only */
    .brand-logo-frame img, .brand-icon img{width:36px; height:36px;}
    .header-actions .btn{padding:6px 10px; font-size:13px;}
    .header-actions .btn.btn-gold{padding:6px 10px;}
    .nav-toggle{width:44px; height:44px;}
  }
}

/* Place mobile nav at the right edge for mid-size phones and hide header apply button */
@media (max-width:860px) and (min-width:421px){
  .header-actions .btn.btn-gold{display:none;}
  nav.main-nav ul.open{
    position:fixed;
    top:66px;
    right:12px;
    left:auto;
    width:300px;
    max-height:calc(100vh - 86px);
    border-radius:12px;
    box-shadow:0 14px 40px rgba(11,29,58,0.12);
    padding:18px;
    overflow-y:auto;
  }
  nav.main-nav ul{max-height:calc(100vh - 86px);}
}

@media (max-width:420px){
  /* keep header apply hidden on very small screens as well */
  .header-actions .btn.btn-gold{display:none;}
}

/* extra compact header padding on very small screens */
@media (max-width:420px){
  .site-header .wrap{padding-left:12px; padding-right:12px;}
  .header-actions .btn{padding:6px 8px; font-size:12px;}
  .header-actions .btn.btn-gold{padding:6px 8px;}
}

/* Full-screen nav overlay (popup) */
.nav-overlay{position:fixed; inset:0; z-index:9999; background:rgba(0,0,0,0.6); display:flex; align-items:center; justify-content:center;}
.nav-popup{background:var(--surface); width:min(420px,92%); max-height:90vh; overflow:auto; border-radius:12px; padding:18px; box-shadow:0 20px 60px rgba(11,29,58,0.25);} 
.nav-popup .nav-close{position:absolute; right:18px; top:18px; background:transparent; border:none; font-size:22px; cursor:pointer; color:var(--muted);} 
.nav-popup ul{list-style:none; margin:0; padding:36px 6px 12px 6px; display:flex; flex-direction:column; gap:8px;}
.nav-popup li a{display:block; padding:12px 14px; font-size:16px; border-radius:8px; color:var(--text);} 
.nav-popup li a.btn{display:inline-flex; justify-content:center;}

@media (max-width:860px){
  /* hide existing in-header nav while overlay is open */
  nav.main-nav ul.overlay-hidden{display:none !important;}
}

/* Animations for popup and overlay */
.nav-overlay{animation:overlay-fade .22s ease both;}
@keyframes overlay-fade{from{opacity:0}to{opacity:1}}

.nav-popup{transform:translateY(10px) scale(.98); opacity:0; animation:popup-in .26s cubic-bezier(.2,.9,.3,1) both; transition:box-shadow .18s ease, transform .18s ease, opacity .18s ease;}
@keyframes popup-in{from{transform:translateY(10px) scale(.98); opacity:0}to{transform:translateY(0) scale(1); opacity:1}}

.nav-popup.anchored-right{transform-origin:top right; animation:popup-in-right .26s cubic-bezier(.2,.9,.3,1) both;}
@keyframes popup-in-right{from{transform:translateX(8px) scale(.98); opacity:0}to{transform:translateX(0) scale(1); opacity:1}}


/* ---------- Hero ---------- */
.hero{
  position:relative; overflow:hidden;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 80px 0;
}
.hero-bg{
  position:absolute; inset:0; z-index:-1;
  background-image: url('dre.png');
  background-size: cover;
  background-position: center 20%;
  filter: blur(8px) brightness(0.6);
}
[data-theme="dark"] .hero-bg{
  background-image: url('dre.png');
  background-size: cover;
  background-position: center 20%;
  filter: blur(8px) brightness(0.4);
}
.hero-inner{max-width:720px; color:#fff; text-shadow: 0 2px 4px rgba(0,0,0,0.5);}

@media (max-width: 600px) {
  .hero-bg, [data-theme="dark"] .hero-bg {
    background-position: 70% center;
  }
}
.hero .eyebrow{color:var(--gold);}
.hero h1{font-size:clamp(36px,6vw,60px); line-height:1.05; margin-top:16px; color:#fff;}
.hero p.lede{margin-top:20px; font-size:17.5px; color:rgba(255,255,255,.82); max-width:56ch;}
.hero-actions{margin-top:32px; display:flex; gap:14px; flex-wrap:wrap;}
.hero-stats{
  margin-top:56px; display:grid; grid-template-columns:repeat(4,1fr); gap:1px;
  background:rgba(255,255,255,.16); border:1px solid rgba(255,255,255,.16); border-radius:var(--radius); overflow:hidden;
}
.hero-stats div{background:rgba(255,255,255,.04); padding:20px 18px;}
.hero-stats .num{font-family:var(--font-display); font-size:clamp(22px,3vw,30px); color:#fff;}
.hero-stats .lbl{font-size:12px; color:rgba(255,255,255,.7); margin-top:4px;}
@media (max-width:760px){.hero-stats{grid-template-columns:repeat(2,1fr);}}

.page-hero{padding:clamp(46px,8vw,80px) 0 clamp(34px,5vw,56px); border-bottom:1px solid var(--border); background:var(--surface-2);}
.page-hero h1{font-size:clamp(32px,5vw,50px); margin-top:14px; max-width:20ch;}
.page-hero p{margin-top:14px; max-width:60ch; color:var(--muted); font-size:16px;}
.breadcrumb{font-size:13px; color:var(--muted);}
.breadcrumb a{color:var(--blue);}

/* ---------- Loans hero grid & responsive logo ---------- */
.loans-hero-grid{
  display:grid;
  grid-template-columns:1fr 360px;
  gap:28px; align-items:center;
}
.loans-logo-lockup{display:flex; align-items:center; justify-content:center;}
.loans-logo-lockup .loans-logo-object{
  width:100%; max-width:320px; height:auto; object-fit:contain; display:block;
}

@media (max-width:900px){
  .loans-hero-grid{grid-template-columns:1fr;}
  .loans-logo-lockup{margin-top:18px;}
  .page-hero h1{font-size:clamp(26px,6vw,40px);}
  .loans-logo-lockup .loans-logo-object{max-width:220px;}
}

@media (max-width:480px){
  .page-hero{padding:28px 0 24px;}
  .page-hero h1{font-size:clamp(20px,8vw,28px); max-width:100%;}
  .loans-logo-lockup .loans-logo-object{max-width:160px;}
  .loans-hero-grid{gap:18px;}
}

/* ---------- Cards ---------- */
.grid{display:grid; gap:24px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media (max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr);} .grid-4{grid-template-columns:repeat(2,1fr);}}
@media (max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

.card{
  background:var(--surface); border:1px solid var(--border); border-radius:var(--radius);
  padding:30px 26px; transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover{transform:translateY(-4px); box-shadow:var(--shadow); border-color:color-mix(in srgb, var(--gold) 40%, var(--border));}
.card .icon{
  width:48px; height:48px; border-radius:12px; display:flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg,var(--navy),var(--blue)); color:var(--gold); font-size:20px; margin-bottom:16px;
}
.card h3{font-size:19px; margin-top:0;}
.card p{margin-top:10px; color:var(--muted); font-size:14.5px;}
.card .meta-row{display:flex; justify-content:space-between; margin-top:16px; font-size:12.5px; color:var(--muted); border-top:1px solid var(--border); padding-top:14px;}

/* ---------- Loan category cards ---------- */
.loan-card{background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:32px; box-shadow:var(--shadow);}
.loan-card .icon{width:56px;height:56px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--blue));display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:22px;margin-bottom:18px;}
.loan-card h3{font-size:22px;}
.loan-card p.desc{margin-top:10px; color:var(--muted); font-size:14.5px;}
.loan-card .facts{list-style:none; padding:0; margin:18px 0 0; display:flex; flex-direction:column; gap:8px;}
.loan-card .facts li{display:flex; justify-content:space-between; font-size:13.5px; padding:8px 0; border-bottom:1px solid var(--border);}
.loan-card .facts li span:first-child{color:var(--muted);}
.loan-card .facts li span:last-child{font-weight:600;}
.loan-card .btn{margin-top:20px;}

/* ---------- Process / How it works ---------- */
.process{counter-reset:step;}
.process-row{display:grid; grid-template-columns:64px 1fr; gap:22px; padding:26px 0; border-bottom:1px solid var(--border);}
.process-row:first-child{border-top:1px solid var(--border);}
.process-num{
  counter-increment:step; width:52px; height:52px; border-radius:50%; border:1px solid var(--gold);
  display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:700; color:var(--gold); font-size:18px;
}
.process-row h3{font-size:19px;}
.process-row p{margin-top:8px; color:var(--muted); font-size:14.5px; max-width:60ch;}

/* ---------- Stats band ---------- */
.stats-band{background:var(--navy); color:#fff; padding:clamp(40px,6vw,64px) 0;}
[data-theme="dark"] .stats-band{background:#0C1730;}
.stats-band .grid-4{gap:1px; background:rgba(255,255,255,.12); border:1px solid rgba(255,255,255,.12); border-radius:var(--radius); overflow:hidden;}
.stats-band .stat{background:rgba(255,255,255,.03); padding:26px 20px; text-align:center;}
.stats-band .num{font-family:var(--font-display); font-size:clamp(26px,3.6vw,38px); color:var(--gold);}
.stats-band .lbl{font-size:12.5px; color:rgba(255,255,255,.72); margin-top:6px; letter-spacing:.03em;}

/* ---------- Testimonials ---------- */
.testi-track{display:grid; grid-template-columns:repeat(3,1fr); gap:24px;}
@media (max-width:900px){.testi-track{grid-template-columns:1fr;}}
.testi{background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:28px; box-shadow:var(--shadow);}
.testi .stars{color:var(--gold); font-size:14px; letter-spacing:2px;}
.testi p.quote{margin-top:14px; font-size:15px; color:var(--text);}
.testi .person{display:flex; align-items:center; gap:12px; margin-top:20px;}
.testi .avatar{width:40px; height:40px; border-radius:50%; background:linear-gradient(135deg,var(--navy),var(--blue)); color:var(--gold); display:flex; align-items:center; justify-content:center; font-weight:700; font-family:var(--font-display);}
.testi .person .name{font-weight:600; font-size:14px;}
.testi .person .role{font-size:12px; color:var(--muted);}

/* ---------- FAQ accordion ---------- */
.faq-search{
  display:flex; align-items:center; gap:12px; background:var(--surface); border:1px solid var(--border);
  border-radius:999px; padding:12px 20px; max-width:520px; margin:0 auto 40px;
}
.faq-search input{border:none; background:transparent; outline:none; font-size:15px; color:var(--text); width:100%; font-family:var(--font-body);}
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{
  width:100%; display:flex; justify-content:space-between; align-items:center; gap:16px;
  background:none; border:none; text-align:left; padding:22px 4px; cursor:pointer; font-family:var(--font-body);
  font-size:16px; font-weight:600; color:var(--text);
}
.faq-q .chevron{transition:transform .25s ease; color:var(--gold); flex-shrink:0;}
.faq-item.open .chevron{transform:rotate(45deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .3s ease;}
.faq-a p{padding:0 4px 22px; color:var(--muted); font-size:14.5px; max-width:70ch;}

/* ---------- Forms ---------- */
.form-card{background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:clamp(26px,4vw,44px); box-shadow:var(--shadow); position:relative; overflow:hidden;}
.form-card::before{
  content:"";
  position:absolute; inset:0;
  background:radial-gradient(circle at top right, rgba(201,162,39,.12), transparent 30%);
  pointer-events:none;
}
.contact-cta{
  margin:0 0 22px; color:var(--muted); font-size:15px; line-height:1.7;
}
.animated-email-link{
  position:relative; color:var(--blue); text-decoration:none; font-weight:700;
  transition:color .25s ease;
}
.animated-email-link::after{
  content:"";
  position:absolute; left:0; bottom:-2px; width:100%; height:2px;
  background:linear-gradient(90deg, var(--gold), var(--blue));
  transform:scaleX(0); transform-origin:left center;
  transition:transform .25s ease;
}
.animated-email-link:hover,
.animated-email-link:focus-visible{
  color:var(--navy);
}
.animated-email-link:hover::after,
.animated-email-link:focus-visible::after{
  transform:scaleX(1);
}
.form-card:hover .field input,
.form-card:hover .field textarea{
  transform:translateY(-1px);
}
.field{display:flex; flex-direction:column; gap:7px; margin-bottom:18px;}
.field label{font-size:12.5px; font-weight:600; letter-spacing:.03em; text-transform:uppercase; color:var(--muted);}
.field input, .field select, .field textarea{
  font-family:var(--font-body); font-size:15px; padding:13px 15px; border-radius:10px;
  border:1px solid var(--border); background:var(--bg); color:var(--text); width:100%;
  transition:border-color .25s ease, box-shadow .25s ease, transform .25s ease;
}
.field input:hover, .field select:hover, .field textarea:hover{
  border-color:var(--blue);
  box-shadow:0 10px 20px -14px rgba(20,70,140,.4);
}
.field input:focus, .field select:focus, .field textarea:focus{border-color:var(--gold); box-shadow:0 0 0 4px rgba(201,162,39,.12);}
.field-row{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
@media (max-width:600px){.field-row{grid-template-columns:1fr;}}
.file-drop{
  border:1.5px dashed var(--border); border-radius:10px; padding:20px; text-align:center; font-size:13.5px; color:var(--muted); background:var(--bg);
}
.progress-track{display:flex; gap:8px; margin-bottom:32px;}
.progress-track span{flex:1; height:4px; border-radius:4px; background:var(--border);}
.progress-track span.done{background:var(--gold);}
.success-box{
  display:none; text-align:center; padding:50px 20px; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); box-shadow:var(--shadow);
}
.success-box.show{display:block;}
.success-box .check{
  width:64px; height:64px; border-radius:50%; background:linear-gradient(135deg,var(--gold),var(--gold-2));
  display:flex; align-items:center; justify-content:center; margin:0 auto 20px; color:var(--navy); font-size:26px;
}

/* ---------- Loan calculator ---------- */
.calc{background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:clamp(26px,4vw,40px); box-shadow:var(--shadow);}
.calc-row{margin-bottom:22px;}
.calc-row label{display:flex; justify-content:space-between; font-size:13.5px; font-weight:600; margin-bottom:10px;}
.calc-row label span.val{color:var(--gold); font-family:var(--font-display);}
.calc-row input[type=range]{width:100%; accent-color:var(--gold);}
.calc-result{
  margin-top:24px; padding:22px; border-radius:12px; background:linear-gradient(135deg,var(--navy),var(--blue)); color:#fff;
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:16px;
}
.calc-result div .num{font-family:var(--font-display); font-size:24px; color:var(--gold);}
.calc-result div .lbl{font-size:11.5px; letter-spacing:.06em; text-transform:uppercase; color:rgba(255,255,255,.7); margin-top:4px;}
.calc-note{margin-top:14px; font-size:12px; color:var(--muted);}

/* ---------- Trust / security ---------- */
.trust-row{display:flex; flex-wrap:wrap; gap:28px; justify-content:center; align-items:center; margin-top:10px;}
.trust-pill{display:flex; align-items:center; gap:10px; font-size:13.5px; color:var(--muted); padding:12px 18px; border:1px solid var(--border); border-radius:999px; background:var(--surface);}
.trust-pill i{color:var(--gold);}

/* ---------- CTA banner ---------- */
.cta-banner{
  border-radius:24px; background:linear-gradient(135deg,var(--navy),var(--blue)); color:#fff;
  padding:clamp(40px,6vw,64px); display:flex; justify-content:space-between; align-items:center; gap:30px; flex-wrap:wrap;
}
.cta-banner h2{color:#fff; font-size:clamp(24px,3.4vw,34px); max-width:20ch;}
.cta-banner p{color:rgba(255,255,255,.78); margin-top:10px; max-width:44ch;}

/* ---------- Timeline (About) ---------- */
.timeline{border-left:2px solid var(--border); margin-left:10px; padding-left:30px; display:flex; flex-direction:column; gap:34px;}
.timeline-item{position:relative;}
.timeline-item::before{content:""; position:absolute; left:-37px; top:4px; width:12px; height:12px; border-radius:50%; background:var(--gold); border:3px solid var(--bg);}
.timeline-item .yr{font-family:var(--font-display); color:var(--gold); font-size:14px;}
.timeline-item h3{margin-top:6px; font-size:18px;}
.timeline-item p{margin-top:6px; color:var(--muted); font-size:14px;}

/* ---------- Footer ---------- */
footer.site-footer{background:var(--navy); color:rgba(255,255,255,.82); padding:64px 0 26px;}
[data-theme="dark"] footer.site-footer{background:#070D1C;}
footer .grid-4{gap:34px;}
footer h4{font-size:13px; letter-spacing:.08em; text-transform:uppercase; color:var(--gold); margin:0 0 16px; font-family:var(--font-body); font-weight:700;}
footer p{color:rgba(255,255,255,.6); font-size:14px;}
footer ul{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:10px;}
footer ul a{font-size:14px; color:rgba(255,255,255,.78);}
footer ul a:hover{color:var(--gold);}
.footer-brand{display:flex; align-items:center; gap:12px; margin-bottom:14px;}
.social-row{display:flex; gap:12px; margin-top:18px;}
.social-row a{width:36px; height:36px; border-radius:50%; border:1px solid rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center;}
.social-row a:hover{border-color:var(--gold); color:var(--gold);}
.footer-bottom{
  max-width:var(--max-w); margin:44px auto 0; padding:22px var(--pad) 0; border-top:1px solid rgba(255,255,255,.12);
  font-size:12.5px; color:rgba(255,255,255,.5); display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px;
}
.footer-bottom a{color:rgba(255,255,255,.6);}
.footer-bottom a:hover{color:var(--gold);}

.back-to-top{
  position:fixed; right:22px; bottom:22px; width:44px; height:44px; border-radius:50%;
  background:var(--gold); color:var(--navy); display:flex; align-items:center; justify-content:center;
  box-shadow:0 12px 30px -8px rgba(201,162,39,.7); opacity:0; pointer-events:none; transition:opacity .25s ease, transform .25s ease; z-index:80; border:none; cursor:pointer;
}
.back-to-top.show{opacity:1; pointer-events:auto;}
.back-to-top:hover{transform:translateY(-3px);}

/* ---------- Legal pages ---------- */
.legal-content h2{font-size:22px; margin-top:38px;}
.legal-content h2:first-child{margin-top:0;}
.legal-content p, .legal-content li{color:var(--muted); font-size:15px; margin-top:12px; line-height:1.7;}
.legal-content ul{padding-left:20px;}

/* ---------- 404 ---------- */
.err-wrap{min-height:60vh; display:flex; align-items:center; justify-content:center; text-align:center; padding:80px var(--pad);}
.err-num{font-family:var(--font-display); font-size:clamp(80px,14vw,160px); color:var(--gold); line-height:1;}

/* loading */
.page-loader{
  position:fixed; inset:0; z-index:200; background:var(--navy); display:flex; align-items:center; justify-content:center;
  transition:opacity .5s ease, visibility .5s ease;
}
.page-loader.hide{opacity:0; visibility:hidden;}
.page-loader .mark{font-family:var(--font-display); color:var(--gold); font-size:22px; letter-spacing:.1em; display:flex; align-items:center; gap:12px;}
.page-loader .spin{width:22px; height:22px; border-radius:50%; border:2px solid rgba(201,162,39,.3); border-top-color:var(--gold); animation:spin 0.9s linear infinite;}
@keyframes spin{to{transform:rotate(360deg);}}


/* ---------- Motion polish ---------- */
h1,h2,h3,h4{letter-spacing:0;}
.site-header{box-shadow:0 1px 0 rgba(255,255,255,.04); animation:headerDrop .7s cubic-bezier(.2,.75,.25,1) both; overflow:hidden;}
.site-header::after{content:""; position:absolute; left:-35%; right:-35%; bottom:-1px; height:2px; background:linear-gradient(90deg,transparent,var(--gold),var(--cyan),transparent); opacity:.55; animation:headerGlow 7s ease-in-out infinite;}
.brand-icon{position:relative; overflow:hidden; box-shadow:0 12px 28px -16px rgba(20,70,140,.8); animation:brandPulse 5s ease-in-out infinite; transition:transform .25s ease, box-shadow .25s ease;}
.brand-icon::after{content:""; position:absolute; inset:-30%; background:linear-gradient(120deg,transparent 35%,rgba(255,255,255,.38),transparent 65%); transform:translateX(-130%) rotate(8deg); animation:sheen 4.8s ease-in-out infinite;}
.brand:hover .brand-icon{transform:translateY(-2px) rotate(-4deg) scale(1.04); box-shadow:0 18px 34px -16px rgba(201,162,39,.65);}
nav.main-nav a{position:relative; border-bottom:0;}
nav.main-nav a::after{content:""; position:absolute; left:0; right:0; bottom:-6px; height:2px; border-radius:999px; background:linear-gradient(90deg,var(--gold),var(--cyan)); transform:scaleX(0); transform-origin:left center; transition:transform .24s ease;}
nav.main-nav a:hover::after,nav.main-nav a.active::after{transform:scaleX(1);}
.btn{position:relative; overflow:hidden; isolation:isolate; transform:translateZ(0);}
.btn::before{content:""; position:absolute; inset:-40% -80%; background:linear-gradient(115deg,transparent 35%,rgba(255,255,255,.42),transparent 62%); transform:translateX(-60%); opacity:0; pointer-events:none; transition:transform .55s ease, opacity .25s ease; z-index:1;}
.btn:hover::before{opacity:1; transform:translateX(60%);}
.btn-gold{background-size:180% 180%; animation:goldShift 5.5s ease-in-out infinite;}
.btn-whatsapp{background:linear-gradient(135deg,#0f8f66,#25d366); color:#fff; box-shadow:0 14px 34px -12px rgba(37,211,102,.65);}
.btn-whatsapp:hover{box-shadow:0 18px 42px -14px rgba(37,211,102,.78);}
.hero-bg{animation:heroBreath 14s ease-in-out infinite;}
.hero-bg::before{content:""; position:absolute; inset:-20%; background:linear-gradient(118deg,transparent 36%,rgba(255,255,255,.09),transparent 58%); animation:heroSweep 9s ease-in-out infinite;}
.hero-bg::after{content:""; position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.055) 1px,transparent 1px); background-size:62px 62px; opacity:.55; mask-image:linear-gradient(90deg,rgba(0,0,0,.35),rgba(0,0,0,.9),rgba(0,0,0,.25)); animation:gridDrift 18s linear infinite;}
.hero .eyebrow,.hero h1,.hero .lede,.hero-actions,.hero-stats{animation:riseIn .9s cubic-bezier(.2,.75,.25,1) both;}
.hero h1{animation-delay:.08s;} .hero .lede{animation-delay:.16s;} .hero-actions{animation-delay:.24s;} .hero-stats{animation-delay:.32s;}
.page-hero{position:relative; overflow:hidden;}
.page-hero::before{content:""; position:absolute; inset:0; background:repeating-linear-gradient(135deg,transparent 0 18px,color-mix(in srgb,var(--gold) 10%,transparent) 19px,transparent 20px); opacity:.45; animation:patternSlide 18s linear infinite;}
.page-hero::after{content:""; position:absolute; left:var(--pad); bottom:0; width:min(420px,64vw); height:3px; background:linear-gradient(90deg,var(--gold),var(--cyan),transparent); animation:lineGrow 1s ease both;}
.page-hero .wrap{position:relative; z-index:1;}
.card,.loan-card,.testi,.calc,.form-card,.success-box{position:relative; overflow:hidden; transition:transform .28s ease, box-shadow .28s ease, border-color .28s ease;}
.card::before,.loan-card::before,.testi::before,.calc::before{content:""; position:absolute; left:0; right:0; top:0; height:3px; background:linear-gradient(90deg,var(--gold),var(--cyan),var(--teal)); transform:scaleX(0); transform-origin:left center; transition:transform .35s ease;}
.card:hover::before,.loan-card:hover::before,.testi:hover::before,.calc:hover::before{transform:scaleX(1);}
.card:hover,.loan-card:hover,.testi:hover,.calc:hover{transform:translateY(-6px); box-shadow:0 28px 60px -24px rgba(11,29,58,.28);}
.card .icon,.loan-card .icon,.process-num,.success-box .check{animation:softFloat 4.6s ease-in-out infinite; transition:transform .25s ease, filter .25s ease;}
.card:hover .icon,.loan-card:hover .icon{transform:translateY(-4px) rotate(-3deg) scale(1.05); filter:saturate(1.18);}
.process-row{transition:background .25s ease, padding-left .25s ease, border-color .25s ease;}
.process-row:hover{background:color-mix(in srgb,var(--gold) 7%,transparent); padding-left:12px; border-color:color-mix(in srgb,var(--gold) 42%,var(--border));}
.progress-track span.done{position:relative; overflow:hidden; background:linear-gradient(90deg,var(--gold),var(--gold-2),var(--cyan)); background-size:180% 100%; animation:goldShift 3s ease-in-out infinite;}
.progress-track span.done::after{content:""; position:absolute; inset:0; background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent); transform:translateX(-100%); animation:trackPulse 2.2s ease-in-out infinite;}
.form-card:hover{transform:translateY(-4px); border-color:color-mix(in srgb,var(--gold) 38%,var(--border));}
.file-drop{position:relative; overflow:hidden; transition:transform .25s ease,border-color .25s ease,background .25s ease;}
.file-drop::after{content:""; position:absolute; inset:0; background:linear-gradient(110deg,transparent,rgba(201,162,39,.18),transparent); transform:translateX(-100%); transition:transform .45s ease;}
.file-drop:hover{transform:translateY(-2px); border-color:var(--gold); background:color-mix(in srgb,var(--gold) 8%,var(--bg));}
.file-drop:hover::after{transform:translateX(100%);}
.whatsapp-card .icon{background:linear-gradient(135deg,#0f8f66,#25d366); color:#fff;}
.whatsapp-link{position:relative; color:#128c7e; font-weight:800;}
.whatsapp-link::after{content:""; position:absolute; left:0; right:0; bottom:-3px; height:2px; background:#25d366; transform:scaleX(0); transform-origin:left; transition:transform .25s ease;}
.whatsapp-link:hover::after{transform:scaleX(1);}
.stats-band .stat{position:relative; overflow:hidden; transition:transform .25s ease, background .25s ease;}
.stats-band .stat::after{content:""; position:absolute; inset:0; background:linear-gradient(120deg,transparent,rgba(255,255,255,.1),transparent); transform:translateX(-120%); transition:transform .55s ease;}
.stats-band .stat:hover{transform:translateY(-4px); background:rgba(255,255,255,.07);}
.stats-band .stat:hover::after{transform:translateX(120%);}
.trust-pill{position:relative; overflow:hidden; transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease;}
.trust-pill:hover{transform:translateY(-3px); border-color:var(--gold); box-shadow:0 16px 34px -24px rgba(11,29,58,.35);}
.cta-banner{position:relative; overflow:hidden; background-size:190% 190%; animation:ctaGradient 9s ease-in-out infinite;}
.cta-banner::before{content:""; position:absolute; inset:-2px; background:linear-gradient(105deg,transparent 20%,rgba(255,255,255,.13),transparent 46%); transform:translateX(-80%); animation:heroSweep 7s ease-in-out infinite; pointer-events:none;}
.cta-banner>*{position:relative; z-index:1;}
.social-row a,.theme-toggle,.back-to-top{transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease, color .22s ease;}
.social-row a:hover,.theme-toggle:hover{transform:translateY(-3px) rotate(-4deg); box-shadow:0 14px 26px -18px rgba(201,162,39,.7);}
.back-to-top.show{animation:haloPulse 2.8s ease-in-out infinite;}
@keyframes headerDrop{from{transform:translateY(-16px); opacity:0;}to{transform:translateY(0); opacity:1;}}
@keyframes headerGlow{0%,100%{transform:translateX(-28%); opacity:.3;}50%{transform:translateX(28%); opacity:.78;}}
@keyframes brandPulse{0%,100%{box-shadow:0 12px 28px -16px rgba(20,70,140,.8);}50%{box-shadow:0 18px 42px -16px rgba(201,162,39,.72);}}
@keyframes sheen{0%,58%{transform:translateX(-130%) rotate(8deg);}72%,100%{transform:translateX(130%) rotate(8deg);}}
@keyframes goldShift{0%,100%{background-position:0% 50%;}50%{background-position:100% 50%;}}
@keyframes heroBreath{0%,100%{filter:saturate(1);}50%{filter:saturate(1.16) brightness(1.04);}}
@keyframes heroSweep{0%,45%{transform:translateX(-55%);}75%,100%{transform:translateX(55%);}}
@keyframes gridDrift{to{background-position:62px 62px;}}
@keyframes riseIn{from{opacity:0; transform:translateY(18px);}to{opacity:1; transform:translateY(0);}}
@keyframes patternSlide{to{background-position:80px 80px;}}
@keyframes lineGrow{from{transform:scaleX(0); transform-origin:left;}to{transform:scaleX(1); transform-origin:left;}}
@keyframes softFloat{0%,100%{transform:translateY(0);}50%{transform:translateY(-5px);}}
@keyframes trackPulse{0%,45%{transform:translateX(-100%);}80%,100%{transform:translateX(100%);}}
@keyframes ctaGradient{0%,100%{background-position:0% 50%;}50%{background-position:100% 50%;}}
@keyframes haloPulse{0%,100%{box-shadow:0 12px 30px -8px rgba(201,162,39,.7);}50%{box-shadow:0 16px 38px -6px rgba(201,162,39,.95);}}


/* ---------- Loans investor page ---------- */
.brand-logo-frame{width:46px;height:46px;border-radius:14px;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--navy),var(--gold));box-shadow:0 16px 34px -16px rgba(201,162,39,.85);flex-shrink:0;}
.brand-logo-object{width:100%;height:100%;display:block;pointer-events:none;}
.brand-logo-frame span{font-family:var(--font-display);font-size:15px;font-weight:800;color:#fff;letter-spacing:0;}

/* Brand image replacement: ensure logo image fits inside existing brand-icon */
.brand-icon img.brand-logo{width:100%;height:100%;display:block;object-fit:cover;}
.brand-icon .brand-logo{display:block;}
.loans-focused-hero{background:linear-gradient(135deg,#08152b 0%,#14468C 56%,#159A73 130%);color:#fff;border-bottom:0;padding:clamp(54px,8vw,96px) 0;}
.loans-focused-hero::before{opacity:.24;}
.loans-focused-hero .breadcrumb,.loans-focused-hero .breadcrumb a,.loans-focused-hero p{color:rgba(255,255,255,.78);}
.loans-focused-hero h1{max-width:12ch;color:#fff;font-size:clamp(42px,7vw,78px);line-height:.95;font-weight:700;text-transform:uppercase;}
.loans-focused-hero .eyebrow{font-weight:800;color:var(--gold);}
.loans-hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(220px,340px);align-items:center;gap:clamp(28px,6vw,80px);}
.loans-hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;}
.loans-focused-hero .btn-outline{color:#fff;border-color:rgba(255,255,255,.45);}
.loans-logo-lockup{aspect-ratio:1;display:flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.22);border-radius:28px;background:radial-gradient(circle at 30% 20%,rgba(255,255,255,.2),transparent 36%),rgba(255,255,255,.08);box-shadow:0 34px 80px -34px rgba(0,0,0,.75);overflow:hidden;animation:softFloat 4.6s ease-in-out infinite;}
.loans-logo-object{width:100%;height:100%;display:flex;align-items:center;justify-content:center;}
.loans-logo-object span{font-family:var(--font-display);font-size:clamp(54px,9vw,118px);font-weight:800;color:var(--gold);letter-spacing:0;}
.loan-types-section{padding-top:clamp(44px,7vw,82px);background:linear-gradient(180deg,var(--bg),color-mix(in srgb,var(--gold) 7%,var(--bg)));}
.loan-type-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.loan-type-card{min-height:100%;background:var(--surface);border:1px solid color-mix(in srgb,var(--gold) 26%,var(--border));border-radius:18px;padding:clamp(24px,3vw,34px);box-shadow:0 26px 66px -34px rgba(11,29,58,.32);position:relative;overflow:hidden;transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;}
.loan-type-card::before{content:attr(data-fill);position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--gold),var(--cyan),var(--teal));}
.loan-type-card:hover{transform:translateY(-8px);box-shadow:0 34px 78px -32px rgba(11,29,58,.42);border-color:var(--gold);}
.loan-type-card .icon{width:62px;height:62px;border-radius:18px;background:linear-gradient(135deg,var(--navy),var(--blue));display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:24px;margin-bottom:22px;}
.loan-type-kicker{font-size:12px;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--gold);margin-bottom:10px;}
.loan-type-card h2{font-size:clamp(24px,2.4vw,32px);font-weight:700;line-height:1.05;}
.loan-type-card p:not(.loan-type-kicker){margin-top:14px;color:var(--muted);font-size:15px;}
.loan-type-card .btn{margin-top:26px;}
@media (max-width:1050px){.loan-type-grid{grid-template-columns:repeat(2,1fr);}.loans-focused-hero h1{max-width:14ch;}}
@media (max-width:700px){.loans-hero-grid,.loan-type-grid{grid-template-columns:1fr;}.loans-logo-lockup{max-width:240px;margin:0 auto;}.loans-focused-hero h1{font-size:clamp(36px,13vw,54px);}}