:root {
  /* Brand greens */
  --green-900: #06481c;
  --green-800: #086027;
  --green-700: #0b762f;
  --green-100: #e9f5ed;

  /* Brand reds (accent) */
  --red-700: #b91020;
  --red-100: #fff0f2;

  /* Neutrals */
  --ink-900: #142018;
  --ink-700: #3d4d43;
  --ink-500: #68766d;
  --line: #dce5df;
  --surface: #ffffff;
  --surface-soft: #f5f8f6;

  /* Shadows */
  --shadow-sm: 0 8px 25px rgba(10, 67, 29, .07);
  --shadow-lg: 0 22px 60px rgba(10, 67, 29, .13);

  /* Radii + layout */
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 30px;
  --container: 1180px;
}
/* Reset + base elements */
* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, "Segoe UI", Arial, sans-serif;
  color: var(--ink-900);
  background: #fff;
  line-height: 1.65;
}

body.nav-open {
  overflow: hidden;
}

/* Scroll-reveal animation.
   Gated behind .js on <html>: without JavaScript - or in a static snapshot of
   the page, an email client, a PDF print - the content must simply be visible,
   never hidden behind an animation that will not run. */
.js [data-reveal] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .6s ease, transform .6s ease;
}

.js [data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

.js .card-grid [data-reveal]:nth-child(2),
.js .steps [data-reveal]:nth-child(2),
.js .stat-grid [data-reveal]:nth-child(2) {
  transition-delay: .08s;
}

.js .card-grid [data-reveal]:nth-child(3),
.js .steps [data-reveal]:nth-child(3),
.js .stat-grid [data-reveal]:nth-child(3) {
  transition-delay: .16s;
}

.js .steps [data-reveal]:nth-child(4),
.js .stat-grid [data-reveal]:nth-child(4) {
  transition-delay: .24s;
}

.js .timeline [data-reveal]:nth-of-type(2) { transition-delay: .06s; }
.js .timeline [data-reveal]:nth-of-type(3) { transition-delay: .12s; }
.js .timeline [data-reveal]:nth-of-type(4) { transition-delay: .18s; }
.js .timeline [data-reveal]:nth-of-type(5) { transition-delay: .24s; }
.js .timeline [data-reveal]:nth-of-type(6) { transition-delay: .3s; }

@media (prefers-reduced-motion: reduce) {
  .js [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

button, input, select, textarea {
  font: inherit;
}

h1, h2, h3, p {
  margin-top: 0;
}

/* Layout helpers */
.container {
  width: min(var(--container), calc(100% - 40px));
  margin-inline: auto;
}

.section {
  padding: 88px 0;
}

.section-soft {
  background: var(--surface-soft);
}

/* Eyebrow label */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--green-700);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.eyebrow:before {
  content: "";
  width: 30px;
  height: 3px;
  background: var(--red-700);
  border-radius: 99px;
}

/* Section headings */
.section-heading {
  max-width: 760px;
  margin-bottom: 42px;
}

.section-heading.center {
  text-align: center;
  margin-inline: auto;
}

.section-heading h2 {
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.15;
  letter-spacing: -.035em;
  margin: 12px 0;
}

.section-heading p {
  color: var(--ink-500);
  font-size: 1.05rem;
  margin: 0;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 20px;
  border-radius: var(--radius-sm);
  font-weight: 750;
  border: 1px solid transparent;
  transition: .2s ease;
}

.btn-primary {
  background: var(--green-700);
  color: #fff;
  box-shadow: 0 12px 28px rgba(11, 118, 47, .2);
}

.btn-primary:hover {
  background: var(--green-900);
  transform: translateY(-2px);
}

.btn-secondary {
  background: #fff;
  border-color: var(--line);
  color: var(--green-900);
}

.btn-secondary:hover {
  border-color: var(--green-700);
  transform: translateY(-2px);
}

/* Page hero (inner pages) */
.page-hero {
  padding: 68px 0;
  background: linear-gradient(120deg, #eef7f1 0%, #fff 65%, #fff5f6 100%);
  border-bottom: 1px solid var(--line);
}

.breadcrumb {
  font-size: .9rem;
  color: var(--ink-500);
  margin-bottom: 12px;
}

.page-hero h1 {
  font-size: clamp(2.4rem, 5vw, 4.2rem);
  line-height: 1.08;
  letter-spacing: -.045em;
  margin: 8px 0 16px;
}

.page-hero p {
  max-width: 780px;
  color: var(--ink-500);
  font-size: 1.1rem;
  margin: 0;
}
/* Site header + navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(220, 229, 223, .9);
}

.navbar {
  height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand img {
  width: 205px;
  height: 68px;
  object-fit: contain;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.main-nav a {
  padding: 10px 13px;
  border-radius: 10px;
  font-weight: 700;
  font-size: .95rem;
  color: #26372d;
}

.main-nav a:hover,
.main-nav a.active {
  background: var(--green-100);
  color: var(--green-700);
}

.main-nav .nav-button {
  background: var(--red-700);
  color: #fff;
  padding-inline: 18px;
  margin-left: 5px;
}

.main-nav .nav-button:hover,
.main-nav .nav-button.active {
  background: #95101c;
  color: #fff;
}

/* Nav dropdown ("Resources") */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 13px;
  border-radius: 10px;
  border: 0;
  background: transparent;
  font: inherit;
  font-weight: 700;
  font-size: .95rem;
  color: #26372d;
  cursor: pointer;
}

.nav-dropdown-toggle .caret {
  font-size: .7rem;
  transition: transform .2s ease;
}

.nav-dropdown-toggle:hover,
.nav-dropdown-toggle.active,
.nav-dropdown.open .nav-dropdown-toggle {
  background: var(--green-100);
  color: var(--green-700);
}

.nav-dropdown.open .nav-dropdown-toggle .caret {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  z-index: 50;
  min-width: 200px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 8px;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
}

.nav-dropdown.open .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown-menu a {
  display: block;
  padding: 10px 12px;
  border-radius: 9px;
  font-weight: 650;
  font-size: .92rem;
  color: #26372d;
}

.nav-dropdown-menu a:hover,
.nav-dropdown-menu a.active {
  background: var(--green-100);
  color: var(--green-700);
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 0;
  border-radius: 12px;
  background: var(--green-100);
  padding: 11px;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  height: 2px;
  background: var(--green-900);
  margin: 5px 0;
  border-radius: 2px;
}

/* Cards */
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: .22s ease;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.icon-box {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  border-radius: 15px;
  background: var(--green-100);
  color: var(--green-700);
  font-weight: 900;
  font-size: 1.25rem;
  margin-bottom: 18px;
}

.tag {
  display: inline-block;
  padding: 5px 10px;
  border-radius: 999px;
  background: var(--red-100);
  color: var(--red-700);
  font-weight: 800;
  font-size: .75rem;
  margin-bottom: 14px;
}

.card h3 {
  margin-bottom: 8px;
}

.card p {
  color: var(--ink-500);
  margin-bottom: 0;
}

.text-link {
  display: inline-flex;
  margin-top: 18px;
  color: var(--green-700);
  font-weight: 800;
}

/* Notices + check lists */
.notice {
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  background: #fff8e5;
  border: 1px solid #ead38b;
  color: #66520e;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 22px 0;
}

.check-list li {
  display: flex;
  gap: 12px;
  margin: 13px 0;
  color: var(--ink-700);
}

.check-list li:before {
  content: "✓";
  color: var(--green-700);
  font-weight: 900;
}

/* Call to action banner */
.cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  padding: 46px;
  border-radius: var(--radius-lg);
  background: linear-gradient(120deg, var(--green-900), var(--green-700));
  color: #fff;
  box-shadow: var(--shadow-lg);
}

.cta h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.7rem);
  margin-bottom: 8px;
}

.cta p {
  color: rgba(255, 255, 255, .82);
  margin: 0;
}

.cta .btn {
  background: #fff;
  color: var(--green-900);
  white-space: nowrap;
}

/* Site footer */
.site-footer {
  background: #101a13;
  color: #fff;
  padding-top: 58px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr .7fr .85fr 1fr .95fr;
  gap: 32px;
  padding-bottom: 42px;
}

.footer-logo {
  width: 205px;
  background: #fff;
  border-radius: 10px;
  padding: 4px;
  margin-bottom: 18px;
}

.site-footer h3 {
  font-size: 1rem;
  margin-bottom: 16px;
}

.site-footer p,
.site-footer a {
  display: block;
  color: #b7c3bb;
  font-size: .92rem;
  margin-bottom: 9px;
}

.site-footer a:hover {
  color: #fff;
}

.footer-legal {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  padding: 18px 0;
}

.footer-legal p {
  margin: 0;
  color: #95a69a;
  font-size: .84rem;
}

/* Back-to-top button */
.back-to-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 0;
  background: var(--green-700);
  color: #fff;
  font-size: 1.2rem;
  line-height: 1;
  display: grid;
  place-items: center;
  cursor: pointer;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity .25s ease, transform .25s ease, visibility .25s, background .2s ease;
  z-index: 90;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--green-900);
}

@media (max-width: 650px) {
  .back-to-top {
    right: 16px;
    bottom: 16px;
    width: 44px;
    height: 44px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .back-to-top {
    transition: opacity .1s linear, visibility .1s;
  }
}
/* Home hero */
.hero {
  position: relative;
  overflow: hidden;
  padding: 82px 0;
  background: linear-gradient(120deg, #f4faf6, #fff 58%, #fff3f4);
}

.hero:after {
  content: "";
  position: absolute;
  width: 430px;
  height: 430px;
  border: 72px solid rgba(11, 118, 47, .05);
  border-radius: 50%;
  right: -160px;
  top: -170px;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 62px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(2.8rem, 6vw, 5rem);
  line-height: 1.03;
  letter-spacing: -.055em;
  margin: 18px 0 22px;
}

.hero h1 span {
  color: var(--green-700);
}

.hero-copy > p {
  max-width: 690px;
  color: var(--ink-500);
  font-size: 1.12rem;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
  margin-top: 28px;
}

.microcopy {
  font-size: .83rem !important;
  margin-top: 17px;
}

.hero-panel {
  background: #fff;
  border: 1px solid #e8eee9;
  border-radius: 28px;
  padding: 30px;
  box-shadow: var(--shadow-lg);
}

.hero-panel h2 {
  font-size: 1.75rem;
  margin: 12px 0 10px;
}

.metric-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 22px;
}

.metric {
  padding: 18px;
  background: var(--surface-soft);
  border: 1px solid var(--line);
  border-radius: 15px;
}

.metric strong {
  display: block;
  color: var(--green-700);
  font-size: 1.28rem;
}

.metric span {
  color: var(--ink-500);
  font-size: .84rem;
}

/* Impact statistics band (home page) */
.stat-band {
  background: linear-gradient(120deg, var(--green-900), var(--green-700));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-lg);
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-tile {
  text-align: center;
}

.stat-value {
  display: block;
  font-size: clamp(2rem, 4vw, 2.6rem);
  font-weight: 900;
  margin-bottom: 6px;
}

.stat-tile span {
  color: rgba(255, 255, 255, .8);
  font-size: .88rem;
}

.stat-disclaimer {
  margin: 24px 0 0;
  text-align: center;
  color: rgba(255, 255, 255, .6);
  font-size: .78rem;
}

/* Trust bar */
.trust-bar {
  border-block: 1px solid var(--line);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.trust-item {
  text-align: center;
  padding: 22px 16px;
  border-right: 1px solid var(--line);
}

.trust-item:last-child {
  border-right: 0;
}

.trust-item strong {
  display: block;
  color: var(--green-900);
}

.trust-item span {
  font-size: .85rem;
  color: var(--ink-500);
}

/* Shared grid/panel layouts */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.split > * {
  min-width: 0;
}

.feature-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

/* Partner logo lockup (partners page) */
.partner-logo {
  display: block;
  width: 156px;
  height: auto;
  margin-bottom: 20px;
}

/* Google Maps embed (contact page) */
.map-embed {
  border-radius: 24px;
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-lg);
}

.map-embed iframe {
  display: block;
  width: 100%;
  height: 420px;
  border: 0;
}

/* Home process steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  counter-reset: steps;
}

.step {
  counter-increment: steps;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 26px;
}

.step:before {
  content: "0" counter(steps);
  display: block;
  color: var(--red-700);
  font-weight: 900;
  letter-spacing: .12em;
  font-size: .78rem;
  margin-bottom: 18px;
}

.step p {
  color: var(--ink-500);
  margin: 0;
  font-size: .93rem;
}

/* Product detail (/products) */
.product-detail {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 44px;
  align-items: start;
}

.product-facts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.fact {
  background: var(--surface-soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 17px;
}

.fact strong {
  display: block;
  color: var(--green-700);
  font-size: 1.15rem;
}

.fact span {
  font-size: .84rem;
  color: var(--ink-500);
}

/* Loan process timeline */
.timeline {
  border-left: 2px solid #cfe0d4;
  margin-left: 11px;
  padding-left: 34px;
}

.timeline-item {
  position: relative;
  margin-bottom: 32px;
}

.timeline-item:before {
  content: "";
  position: absolute;
  left: -42px;
  top: 5px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--red-700);
  border: 4px solid #fff;
  box-shadow: 0 0 0 2px var(--red-700);
}

.timeline-item p {
  color: var(--ink-500);
  margin: 0;
}

/* Contact page */
.contact-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: 30px;
}

.contact-grid > * {
  min-width: 0;
}

.contact-list {
  display: grid;
  gap: 14px;
}

.contact-item {
  background: var(--surface-soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px;
}

.contact-item strong {
  display: block;
}

.contact-item span,
.contact-item a {
  color: var(--ink-500);
}

.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 7px;
  min-width: 0;
}

.form-group.full {
  grid-column: 1 / -1;
}

label {
  font-weight: 750;
  font-size: .91rem;
}

input, select, textarea {
  width: 100%;
  min-width: 0;
  border: 1px solid #cedad1;
  border-radius: 11px;
  padding: 12px 13px;
  outline: none;
  background: #fff;
}

input:focus, select:focus, textarea:focus {
  border-color: var(--green-700);
  box-shadow: 0 0 0 3px rgba(11, 118, 47, .1);
}

textarea {
  min-height: 130px;
  resize: vertical;
}

.form-success {
  display: none;
  margin-top: 15px;
  padding: 13px 15px;
  border-radius: 11px;
  background: var(--green-100);
  color: var(--green-900);
  border: 1px solid #b9d8c1;
}

.form-error {
  display: none;
  margin-top: 15px;
  padding: 13px 15px;
  border-radius: 11px;
  background: var(--red-100);
  color: var(--red-700);
  border: 1px solid #f3b6bd;
}

.form-error a {
  color: inherit;
  font-weight: 750;
  text-decoration: underline;
}

/* Loan process FAQ accordion */
.accordion {
  display: grid;
  gap: 13px;
}

.accordion-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
}

.accordion-button {
  width: 100%;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  border: 0;
  background: #fff;
  text-align: left;
  font-weight: 800;
  cursor: pointer;
}

.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height .25s ease;
}

.accordion-panel p {
  padding: 0 20px 18px;
  margin: 0;
  color: var(--ink-500);
}

/* EMI calculator */
.slider-group {
  margin-bottom: 28px;
}

.slider-group:last-child {
  margin-bottom: 0;
}

.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}

.slider-label label {
  font-weight: 750;
  font-size: .95rem;
}

.slider-value {
  font-weight: 900;
  color: var(--green-700);
  font-size: 1.1rem;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  margin: 0;
  border: 0;
  padding: 0;
  border-radius: 99px;
  background: var(--line);
  display: block;
}

input[type="range"]:focus {
  box-shadow: none;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green-700);
  border: 4px solid #fff;
  box-shadow: 0 4px 10px rgba(11, 118, 47, .35);
  cursor: pointer;
}

input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border: 4px solid #fff;
  border-radius: 50%;
  background: var(--green-700);
  box-shadow: 0 4px 10px rgba(11, 118, 47, .35);
  cursor: pointer;
}

input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: 99px;
  background: var(--line);
}

.slider-scale {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
  color: var(--ink-500);
  font-size: .78rem;
}

.emi-results .eyebrow {
  margin-bottom: 6px;
}

.emi-amount {
  font-size: clamp(2.2rem, 4vw, 2.8rem);
  font-weight: 900;
  color: var(--green-900);
  margin: 4px 0 24px;
}

.emi-breakdown {
  margin-bottom: 24px;
}

.emi-bar {
  display: flex;
  height: 14px;
  border-radius: 99px;
  overflow: hidden;
  background: var(--surface-soft);
}

.emi-bar-principal {
  background: var(--green-700);
  height: 100%;
}

.emi-bar-interest {
  background: var(--red-700);
  height: 100%;
}

.emi-breakdown-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-top: 12px;
  font-size: .86rem;
  color: var(--ink-700);
}

.emi-breakdown-legend strong {
  color: var(--ink-900);
}

.dot {
  display: inline-block;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  margin-right: 6px;
}

.dot-principal {
  background: var(--green-700);
}

.dot-interest {
  background: var(--red-700);
}
/* Tablet and below */
@media (max-width: 980px) {
  .menu-toggle {
    display: block;
  }

  .main-nav {
    position: absolute;
    left: 20px;
    right: 20px;
    top: 86px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 14px;
    box-shadow: var(--shadow-lg);
  }

  .main-nav.open {
    display: flex;
  }

  .main-nav .nav-button {
    margin-left: 0;
    text-align: center;
  }

  .nav-dropdown-toggle {
    width: 100%;
    justify-content: space-between;
  }

  .nav-dropdown-menu {
    position: static;
    display: none;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: 0;
    padding: 2px 0 2px 16px;
  }

  .nav-dropdown.open .nav-dropdown-menu {
    display: block;
  }

  .hero-grid, .split, .product-detail, .contact-grid {
    grid-template-columns: 1fr;
  }

  .card-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* When a card-grid has an odd number of items, don't leave the last one
     stranded alone in the left column - stretch it across both. */
  .card-grid > :nth-last-child(1):nth-child(odd) {
    grid-column: 1 / -1;
  }

  .steps {
    grid-template-columns: 1fr 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .trust-grid {
    grid-template-columns: 1fr 1fr;
  }

  .stat-grid {
    grid-template-columns: 1fr 1fr;
  }

  .trust-item:nth-child(2) {
    border-right: 0;
  }

  .trust-item:nth-child(-n+2) {
    border-bottom: 1px solid var(--line);
  }
}

/* Mobile */
@media (max-width: 650px) {
  .container {
    width: min(var(--container), calc(100% - 28px));
  }

  .navbar {
    height: 76px;
  }

  .brand img {
    width: 165px;
    height: 58px;
  }

  .main-nav {
    top: 76px;
  }

  .section {
    padding: 64px 0;
  }

  .hero {
    padding: 54px 0;
  }

  .hero h1 {
    font-size: 2.65rem;
  }

  .metric-grid, .card-grid, .steps, .product-facts, .form-grid, .trust-grid, .stat-grid {
    grid-template-columns: 1fr;
  }

  .stat-band {
    padding: 32px 24px;
  }

  .form-group.full {
    grid-column: auto;
  }

  .trust-item {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .trust-item:last-child {
    border-bottom: 0;
  }

  .cta {
    padding: 30px;
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-legal {
    flex-direction: column;
  }

  .page-hero {
    padding: 50px 0;
  }

  .map-embed iframe {
    height: 280px;
  }
}


/* Data tables (schedule of charges, responsibility split, document index) */
.info-table {
  width: 100%;
  border-collapse: collapse;
  margin: 18px 0 34px;
  font-size: .92rem;
}

.info-table th,
.info-table td {
  text-align: left;
  vertical-align: top;
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
}

.info-table thead th {
  background: var(--surface-soft);
  border-bottom: 2px solid var(--line);
  font-size: .76rem;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--ink-500);
  white-space: nowrap;
}

.info-table tbody tr:hover { background: #fcfdfc; }

.info-table td.c-item strong { display: block; margin-bottom: 3px; }
.info-table td.c-item span { color: var(--ink-500); font-size: .88rem; }

@media (max-width: 760px) {
  .info-table thead { display: none; }
  .info-table, .info-table tbody, .info-table tr, .info-table td { display: block; width: 100%; }
  .info-table tr { border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; padding: 6px 4px; }
  .info-table td { border: 0; padding: 6px 12px; white-space: normal; }
}

/* ==========================================================================
   Page components specific to this site
   ========================================================================== */

/* Home and About: the two badges the partner site carries */
.hero-badges {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.hero-badge {
  padding: 22px 18px;
  text-align: center;
  background: var(--surface-soft);
  border: 1px solid var(--line);
  border-radius: 16px;
}

.hero-badge strong {
  display: block;
  color: var(--green-700);
  font-size: 1.5rem;
  line-height: 1.2;
}

.hero-badge span {
  color: var(--ink-500);
  font-size: .86rem;
}

/* Lending Service Provider page */
.lsp-logo-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 34px;
  box-shadow: var(--shadow-lg);
  text-align: center;
}

.lsp-logo {
  display: grid;
  place-items: center;
  margin: 24px 0 28px;
  padding: 26px;
  background: var(--surface-soft);
  border-radius: 16px;
}

.lsp-logo img {
  width: 100%;
  max-width: 230px;
  height: auto;
}

.lsp-website {
  color: var(--ink-500);
  margin-bottom: 22px;
}

.lsp-website a {
  color: var(--green-700);
  font-weight: 750;
}

/* Contact: head office block */
.head-office p {
  margin-bottom: 10px;
  font-size: 1.05rem;
}

.head-office-reg {
  color: var(--ink-500);
  font-size: .95rem;
  margin-bottom: 0 !important;
}

/* Contact: the four escalation levels */
.levels {
  display: grid;
  gap: 20px;
}

.level {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}

.level h3 {
  font-size: 1.35rem;
  margin-bottom: 10px;
}

.level > p {
  color: var(--ink-500);
  margin-bottom: 20px;
}

.level-facts {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 1px;
  margin: 0;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
}

.level-facts dt,
.level-facts dd {
  margin: 0;
  padding: 13px 16px;
  background: #fff;
}

.level-facts dt {
  background: var(--surface-soft);
  font-weight: 750;
  font-size: .9rem;
}

.level-facts dd a {
  color: var(--green-700);
  font-weight: 700;
}

/* Terms & Conditions */
.tc-body {
  max-width: 860px;
}

.tc-body p {
  color: var(--ink-700);
  margin-bottom: 16px;
}

.tc-head {
  margin: 42px 0 16px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  font-size: 1.3rem;
  letter-spacing: -.01em;
  color: var(--green-900);
}

.tc-body > p:first-of-type {
  font-size: 1.05rem;
}

/* Footer: three columns, matching the partner's layout */
.footer-grid {
  grid-template-columns: 1.6fr 1fr 1.2fr;
}

.footer-legal-name {
  font-weight: 750;
  color: #fff !important;
  font-size: .88rem !important;
  letter-spacing: .01em;
}

.footer-copy {
  margin-top: 16px;
  font-size: .84rem !important;
  color: #8d9d93 !important;
}

.footer-cin {
  padding: 16px 0 26px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  color: #95a69a;
  font-size: .84rem;
}

@media (max-width: 980px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 650px) {
  .footer-grid { grid-template-columns: 1fr; }
  .level { padding: 22px; }
  .level-facts { grid-template-columns: 1fr; }
  .level-facts dt { padding-bottom: 4px; }
  .hero-badges { grid-template-columns: 1fr; }
}

.lsp-address {
  color: var(--ink-500);
  font-size: .95rem;
  margin-bottom: 22px;
}

/* Contact details with no form beside them: one column, not half a grid */
.contact-grid-solo {
  grid-template-columns: 1fr;
  max-width: 780px;
}

/* Hidden on screen, still read by screen readers - keeps heading order correct. */
.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ==========================================================================
   Apply Now - header, menu and hero call-to-action, plus the hand-off panel
   that explains applications go through our Lending Service Provider.
   ========================================================================== */
.btn-apply,
.main-nav .nav-apply,
.header-apply {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.btn-apply {
  background: var(--red-700);
  color: #fff;
  box-shadow: 0 12px 28px rgba(185, 16, 32, .25);
  animation: apply-pulse 2.4s ease-out 1.2s 3;
}

.btn-apply:hover {
  background: #95101c;
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 16px 34px rgba(185, 16, 32, .32);
}

.main-nav .nav-apply {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.apply-arrow {
  display: inline-block;
  transition: transform .2s ease;
}

.btn-apply:hover .apply-arrow,
.nav-apply:hover .apply-arrow,
.header-apply:hover .apply-arrow {
  transform: translateX(4px);
}

/* Light sweeping across the button on hover */
.btn-apply::after,
.main-nav .nav-apply::after,
.header-apply::after {
  content: "";
  position: absolute;
  top: 0;
  left: -60%;
  width: 40%;
  height: 100%;
  background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .35), transparent);
  transform: skewX(-20deg);
  transition: left .6s ease;
  pointer-events: none;
}

.btn-apply:hover::after,
.main-nav .nav-apply:hover::after,
.header-apply:hover::after {
  left: 120%;
}

.btn-apply:focus-visible,
.main-nav .nav-apply:focus-visible,
.header-apply:focus-visible {
  outline: 3px solid rgba(185, 16, 32, .35);
  outline-offset: 3px;
}

@keyframes apply-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(185, 16, 32, .45), 0 12px 28px rgba(185, 16, 32, .25); }
  70%  { box-shadow: 0 0 0 14px rgba(185, 16, 32, 0), 0 12px 28px rgba(185, 16, 32, .25); }
  100% { box-shadow: 0 0 0 0 rgba(185, 16, 32, 0), 0 12px 28px rgba(185, 16, 32, .25); }
}

/* Compact button beside the menu toggle - phones and tablets only */
.header-apply {
  display: none;
}

/* Tighten the desktop menu so six items fit before it collapses at 980px */
@media (min-width: 981px) and (max-width: 1180px) {
  .navbar { gap: 16px; }
  .brand img { width: 170px; }
  .main-nav a { padding: 10px 9px; font-size: .9rem; }
}

@media (max-width: 980px) {
  .navbar { gap: 12px; }

  .header-apply {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-left: auto;
    padding: 10px 14px;
    border-radius: 10px;
    background: var(--red-700);
    color: #fff;
    font-weight: 750;
    font-size: .9rem;
    white-space: nowrap;
  }

  .header-apply:hover {
    background: #95101c;
    color: #fff;
  }

  .main-nav .nav-apply {
    display: none;
  }
}

@media (max-width: 480px) {
  .brand img { width: 150px; height: 50px; }
}

@media (max-width: 360px) {
  .header-apply .apply-arrow { display: none; }
  .header-apply { padding: 9px 11px; }
}

/* Hand-off panel */
.apply-dialog {
  width: min(520px, calc(100% - 32px));
  max-height: calc(100% - 32px);
  padding: 0;
  border: 0;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  color: var(--ink-900);
  background: #fff;
}

.apply-dialog::backdrop {
  background: rgba(10, 30, 18, .55);
  backdrop-filter: blur(3px);
}

.apply-dialog[open] {
  animation: apply-dialog-in .22s ease-out;
}

@keyframes apply-dialog-in {
  from { opacity: 0; transform: translateY(12px) scale(.98); }
  to   { opacity: 1; transform: none; }
}

.apply-dialog__head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  padding: 24px 26px 0;
}

.apply-dialog__head h2 {
  margin: 6px 0 0;
  font-size: 1.4rem;
  line-height: 1.25;
}

.apply-dialog__close {
  flex: none;
  width: 36px;
  height: 36px;
  border: 0;
  border-radius: 10px;
  background: var(--green-100);
  color: var(--green-900);
  font-size: 1.3rem;
  line-height: 1;
  cursor: pointer;
}

.apply-dialog__close:hover {
  background: #d6ecdd;
}

.apply-dialog__body {
  padding: 10px 26px 26px;
}

.apply-dialog__body > p {
  color: var(--ink-700);
  margin: 0;
}

.apply-partner {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 16px 0;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #f7faf8;
}

.apply-partner img {
  width: 108px;
  height: auto;
  flex: none;
}

.apply-partner strong {
  display: block;
  font-size: .95rem;
}

.apply-partner small {
  color: var(--ink-500);
}

.apply-dialog .check-list {
  margin: 0;
}

.apply-dialog__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
}

.apply-dialog__actions .btn {
  flex: 0 0 auto;
  white-space: nowrap;
  cursor: pointer;
  font: inherit;
  font-weight: 750;
}

.apply-dialog__actions .btn-apply {
  flex: 1 1 auto;
}

@media (max-width: 480px) {
  .hero .button-row .btn,
  .apply-dialog__actions .btn {
    flex: 1 1 100%;
  }

  .apply-partner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
}

.apply-dialog__actions .btn-apply {
  animation: none;
}

.apply-dialog__fine {
  margin: 14px 0 0;
  font-size: .8rem;
  color: var(--ink-500);
}

.apply-dialog__fine a {
  color: var(--green-700);
  font-weight: 700;
}

@media (prefers-reduced-motion: reduce) {
  .btn-apply,
  .apply-dialog[open] { animation: none; }
  .btn-apply::after,
  .main-nav .nav-apply::after,
  .header-apply::after { display: none; }
  .apply-arrow { transition: none; }
}
