/* Layout: info strip, sticky header, hero (copy | animated loan-journey scene), service cards with icons, animated timeline, one deep-indigo band for the EMI calculator with donut and balance chart, enquiry form last. */
:root {
  --bg: #F5F4FB;
  --surface: #FFFFFF;
  --soft: #ECEAF8;
  --tint: #E2E0FA;
  --ink: #17153A;
  --muted: #55537A;
  --line: #DCD9EF;
  --brand: #3B33B0;
  --brand-ink: #FFFFFF;
  --accent: #F39A1E;
  --accent-ink: #2B1700;
  --hl: #FCE3BC;
  --ok: #167A47;
  --ok-ink: #FFFFFF;
  --no: #BE123C;
  --no-ink: #FFFFFF;
  --band: #1C1957;
  --band-card: #141145;
  --band-ink: #EEEDFB;
  --band-mute: #A9A6D6;
  --band-line: #34308A;
  --band-accent: #FFB547;
  --band-pri: #A8A2FF;
  --deep: #120F40;
  --deep-card: #1C1957;
  --deep-line: #34308A;
  --deep-ink: #EEEDFB;
  --deep-mute: #B2AFDD;
  --font-display: "Sora", "Segoe UI", system-ui, sans-serif;
  --font-body: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0E0D26;
    --surface: #16153B;
    --soft: #1C1B49;
    --tint: #28256A;
    --ink: #ECEBFB;
    --muted: #A9A7D2;
    --line: #2C2A62;
    --brand: #8F89FF;
    --brand-ink: #0D0B33;
    --accent: #FFB547;
    --accent-ink: #2B1700;
    --hl: #4A3611;
    --ok: #4ADE80;
    --ok-ink: #052E16;
    --no: #FB7185;
    --no-ink: #3A0A14;
    --band: #1B1A4F;
    --band-card: #121142;
    --band-ink: #EEEDFB;
    --band-mute: #A9A6D6;
    --band-line: #34308A;
    --band-accent: #FFB547;
    --band-pri: #A8A2FF;
    --deep: #13123C;
    --deep-card: #1D1C55;
    --deep-line: #34308A;
    --deep-ink: #EEEDFB;
    --deep-mute: #B2AFDD;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0E0D26;
  --surface: #16153B;
  --soft: #1C1B49;
  --tint: #28256A;
  --ink: #ECEBFB;
  --muted: #A9A7D2;
  --line: #2C2A62;
  --brand: #8F89FF;
  --brand-ink: #0D0B33;
  --accent: #FFB547;
  --accent-ink: #2B1700;
  --hl: #4A3611;
  --ok: #4ADE80;
  --ok-ink: #052E16;
  --no: #FB7185;
  --no-ink: #3A0A14;
  --band: #1B1A4F;
  --band-card: #121142;
  --band-ink: #EEEDFB;
  --band-mute: #A9A6D6;
  --band-line: #34308A;
  --band-accent: #FFB547;
  --band-pri: #A8A2FF;
  --deep: #13123C;
  --deep-card: #1D1C55;
  --deep-line: #34308A;
  --deep-ink: #EEEDFB;
  --deep-mute: #B2AFDD;
  color-scheme: dark;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
}
h1, h2, h3 { font-family: var(--font-display); line-height: 1.15; letter-spacing: -0.02em; margin: 0; text-wrap: balance; }
p { margin: 0; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }

.wrap { width: min(1120px, 100%); margin-inline: auto; padding-inline: clamp(16px, 4vw, 32px); }
section { padding-block: clamp(3rem, 7vw, 5.5rem); }
.sec-head { display: grid; gap: 0.75rem; max-width: 42rem; margin-bottom: 2.25rem; }
.sec-head h2 { font-size: clamp(1.7rem, 3.4vw, 2.35rem); font-weight: 800; }
.lead { color: var(--muted); font-size: 1.0625rem; max-width: 62ch; }
.num { font-family: var(--font-display); font-variant-numeric: tabular-nums; }
.label { font: 700 0.6875rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; }

/* buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font: 700 0.9688rem var(--font-display); text-decoration: none; cursor: pointer;
  padding: 0.8rem 1.4rem; border-radius: 8px; border: 2px solid var(--accent);
  background: var(--accent); color: var(--accent-ink);
}
.btn:hover { filter: brightness(1.1); }
.btn.ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn.ghost:hover { border-color: var(--brand); filter: none; }
.btn.small { padding: 0.5rem 1rem; font-size: 0.875rem; }

.ic { width: 1.1em; height: 1.1em; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* info strip and header */
.strip { background: var(--band); color: var(--band-ink); font-size: 0.8125rem; }
.strip .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.25rem 1.5rem; padding-block: 0.5rem; }
.strip span { color: var(--band-mute); }
.top {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20;
  background: var(--surface); border-bottom: 1px solid var(--line);
}
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-block: 0.75rem; }
.brand { display: inline-flex; align-items: center; gap: 0.65rem; text-decoration: none; font-family: var(--font-display); font-weight: 800; font-size: 1.2rem; letter-spacing: -0.01em; color: var(--ink); }
.mk { width: 2.6rem; height: 2.6rem; display: block; flex: none; filter: drop-shadow(0 6px 10px rgba(59, 51, 176, 0.35)); transition: transform 0.3s ease; }
.mk svg { width: 100%; height: 100%; display: block; overflow: visible; }
.brand:hover .mk { transform: rotate(-6deg) scale(1.05); }
.wm { display: flex; flex-direction: column; gap: 0.2rem; line-height: 1; }
.wm b { font: 800 1.3rem var(--font-display); letter-spacing: -0.02em; }
.wm i { font: 700 0.6rem "Sora", sans-serif; font-style: normal; letter-spacing: 0.38em; text-transform: uppercase; color: var(--brand); position: relative; padding-left: 1.1rem; }
.wm i::before { content: ""; position: absolute; left: 0; top: 50%; width: 0.8rem; height: 2px; border-radius: 2px; background: var(--accent); }
.lg-a { stroke-dasharray: 40; animation: lg-draw 0.9s 0.1s ease backwards; }
.lg-b { stroke-dasharray: 16; animation: lg-draw2 0.5s 0.8s ease backwards; }
.lg-c { stroke-dasharray: 12; animation: lg-draw3 0.5s 1s ease backwards; }
.lg-d { transform-box: fill-box; transform-origin: center; animation: pop-in 0.6s 1.3s cubic-bezier(0.3, 1.6, 0.5, 1) backwards; }
@keyframes lg-draw { from { stroke-dashoffset: 40; } to { stroke-dashoffset: 0; } }
@keyframes lg-draw2 { from { stroke-dashoffset: 16; } to { stroke-dashoffset: 0; } }
@keyframes lg-draw3 { from { stroke-dashoffset: 12; } to { stroke-dashoffset: 0; } }
@media (prefers-reduced-motion: reduce) { .lg-a, .lg-b, .lg-c, .lg-d { animation: none; } }
.nav { display: none; gap: 0.2rem; }
.nav a { white-space: nowrap; text-decoration: none; display: flex; flex-direction: column; align-items: center; gap: 0.25rem; padding: 0.3rem 0.36rem; border-radius: 12px; font: 700 0.75rem var(--font-display); letter-spacing: 0.01em; color: var(--muted); transition: color 0.2s ease, background 0.2s ease; }
.nav a:hover, .nav a[aria-current="true"] { color: var(--ink); }
.nv-ic { width: 2rem; height: 2rem; border-radius: 11px; background: var(--tint); color: var(--brand); display: grid; place-items: center; transition: background 0.25s ease, color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease; }
.nv-ic svg { width: 1.2rem; height: 1.2rem; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.nav a:hover .nv-ic { background: var(--brand); color: var(--brand-ink); transform: translateY(-2px); }
.nav a:hover .nv-ic svg { animation: nv-wig 0.5s ease; }
.nav a[aria-current="true"] .nv-ic { background: var(--accent); color: var(--accent-ink); box-shadow: 0 8px 16px -8px rgba(243, 154, 30, 0.9); }
.nav a:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
@keyframes nv-wig { 30% { transform: rotate(-12deg) scale(1.1); } 60% { transform: rotate(9deg) scale(1.1); } }
.nav a { animation: pop-in 0.5s cubic-bezier(0.3, 1.5, 0.5, 1) backwards; animation-delay: calc(var(--i, 0) * 0.06s + 0.1s); }
@media (min-width: 1180px) { .nav { display: flex; } }
@media (min-width: 1180px) { .top .wrap { padding-block: 0.45rem; } }
.brand { white-space: nowrap; }

/* hero */
.hero { position: relative; overflow: hidden; padding-block: clamp(2.5rem, 6vw, 4.5rem) clamp(3rem, 6vw, 5rem); background: var(--surface); border-bottom: 1px solid var(--line); }
.hero-bg { position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(520px 320px at 92% -8%, var(--hl), transparent 70%),
    radial-gradient(460px 300px at -8% 108%, var(--tint), transparent 70%); }
.hero-bg::after { content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(var(--line) 1.3px, transparent 1.3px); background-size: 22px 22px;
  -webkit-mask-image: linear-gradient(to left, #000, transparent 55%); mask-image: linear-gradient(to left, #000, transparent 55%); }
.hero-grid { position: relative; z-index: 1; display: grid; gap: 2.5rem; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 920px) { .hero-grid { grid-template-columns: 1fr 1fr; gap: 3rem; } }
.hero-copy { display: grid; gap: 1.5rem; min-width: 0; }
.kicker { color: var(--brand); }
.hero h1 { font-size: clamp(1.9rem, 4.2vw, 3rem); font-weight: 800; line-height: 1.12; }
.hl { background: linear-gradient(transparent 62%, var(--hl) 62%); }
.hero .lead { font-size: 1.125rem; }
.cta-row { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.facts { list-style: none; margin: 0.25rem 0 0; padding: 0; display: grid; gap: 0.5rem; color: var(--muted); }
.facts li { display: flex; gap: 0.6rem; align-items: baseline; }
.facts .ic { color: var(--ok); transform: translateY(0.18em); }

/* hero scene: your loan file travels to the bank */
.scene { margin: 0; display: grid; gap: 1rem; min-width: 0; }
.scene svg { width: 100%; height: auto; display: block; overflow: visible; }
.sv { fill: none; stroke: var(--brand); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.back-fill { fill: var(--soft); }
.back-ring { fill: none; stroke: var(--line); stroke-width: 1.5; stroke-dasharray: 4 9; }
.road { fill: none; stroke: var(--line); stroke-width: 10; stroke-linecap: round; }
.road-flow { fill: none; stroke: var(--brand); stroke-width: 2.5; stroke-linecap: round; stroke-dasharray: 1 12; animation: march 1s linear infinite; }
@keyframes march { to { stroke-dashoffset: -13; } }
.stn { fill: var(--surface); stroke: var(--brand); stroke-width: 2.5; }
.stn.end { fill: var(--hl); }
.tile { fill: var(--surface); stroke: var(--line); stroke-width: 1.5; }
.coin { fill: var(--accent); }
.coin-ring { fill: none; stroke: var(--accent-ink); stroke-opacity: 0.35; stroke-width: 1.5; }
.coin-t { fill: var(--accent-ink); font: 800 20px var(--font-display); text-anchor: middle; dominant-baseline: central; }
.bob { animation: bob 5s ease-in-out infinite; }
@keyframes bob { 50% { transform: translateY(-8px); } }
.nb circle { fill: var(--accent); }
.nb text { fill: var(--accent-ink); font: 800 11px var(--font-display); text-anchor: middle; dominant-baseline: central; }
.tk, .stamp { opacity: 0; transform-box: fill-box; transform-origin: center; }
.tk circle { fill: var(--ok); }
.tk path { fill: none; stroke: var(--ok-ink); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.tk1 { animation: tk1 10s infinite; }
.tk2 { animation: tk2 10s infinite; }
.tk3, .stamp { animation: tk3 10s infinite; }
@keyframes tk1 { 0%, 24% { opacity: 0; transform: scale(0.4); } 27%, 96% { opacity: 1; transform: scale(1); } 99%, 100% { opacity: 0; transform: scale(0.4); } }
@keyframes tk2 { 0%, 54% { opacity: 0; transform: scale(0.4); } 57%, 96% { opacity: 1; transform: scale(1); } 99%, 100% { opacity: 0; transform: scale(0.4); } }
@keyframes tk3 { 0%, 84% { opacity: 0; transform: scale(0.4); } 87%, 96% { opacity: 1; transform: scale(1); } 99%, 100% { opacity: 0; transform: scale(0.4); } }
.stamp rect { fill: var(--surface); stroke: var(--ok); stroke-width: 2.5; }
.stamp text { fill: var(--ok); font: 800 13px var(--font-display); letter-spacing: 0.12em; text-anchor: middle; dominant-baseline: central; }
.mover { animation: fly 10s infinite; }
@keyframes fly { 0% { opacity: 0; } 3%, 96% { opacity: 1; } 99%, 100% { opacity: 0; } }
.docp { fill: var(--surface); stroke: var(--brand); stroke-width: 2; }
.docf { fill: var(--tint); stroke: var(--brand); stroke-width: 1.5; stroke-linejoin: round; }
.docl { fill: none; stroke: var(--muted); stroke-width: 1.8; stroke-linecap: round; }
.doc-final { display: none; }
.pills { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.5rem; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.pills li { display: flex; gap: 0.5rem; align-items: center; padding: 0.6rem 0.7rem; border: 1.5px solid var(--line); border-radius: 8px; background: var(--surface); color: var(--ink); font: 700 0.8125rem var(--font-display); line-height: 1.3; animation-duration: 10s; animation-iteration-count: infinite; }
.pills b { width: 1.4rem; height: 1.4rem; border-radius: 50%; display: grid; place-items: center; flex: none; background: var(--tint); color: var(--brand); font-size: 0.75rem; }
.pills .p1 { animation-name: on1; }
.pills .p2 { animation-name: on2; }
.pills .p3 { animation-name: on3; }
@keyframes on1 { 0%, 24.9% { background: var(--surface); border-color: var(--line); color: var(--ink); } 25%, 54.9% { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); } 55%, 100% { background: var(--surface); border-color: var(--line); color: var(--ink); } }
@keyframes on2 { 0%, 54.9% { background: var(--surface); border-color: var(--line); color: var(--ink); } 55%, 84.9% { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); } 85%, 100% { background: var(--surface); border-color: var(--line); color: var(--ink); } }
@keyframes on3 { 0%, 84.9% { background: var(--surface); border-color: var(--line); color: var(--ink); } 85%, 98% { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); } 98.1%, 100% { background: var(--surface); border-color: var(--line); color: var(--ink); } }
@media (max-width: 520px) { .pills { grid-template-columns: 1fr; } }

/* roles */
.roles-grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 760px) { .roles-grid { grid-template-columns: 1fr 1fr; } }
.role { background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1.5rem; min-width: 0; }
.role h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 1rem; }
.role ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; }
.role li { display: flex; gap: 0.7rem; align-items: baseline; }
.role .yes .ic { color: var(--ok); }
.role .no .ic { color: var(--muted); }
.role .ic { transform: translateY(0.18em); }

/* about */
.about { background: var(--soft); }
.about-grid { display: grid; gap: 1.5rem 2.5rem; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 720px) { .about-grid { grid-template-columns: auto 1fr; } }
.avatar { width: 6.5rem; height: 6.5rem; border-radius: 10px; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; font: 800 2rem var(--font-display); letter-spacing: 0.02em; }
.about h2 { font-size: clamp(1.6rem, 3.2vw, 2.1rem); font-weight: 800; margin-bottom: 0.6rem; }
.about .role-line { color: var(--brand); margin-bottom: 0.4rem; display: block; }

/* services */
.types { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 14.5rem), 1fr)); }
.type { background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1.35rem; display: grid; gap: 0.6rem; align-content: start; min-width: 0; }
.type .kind { color: var(--brand); }
.type h3 { font-size: 1.2rem; font-weight: 700; }
.type p { color: var(--muted); font-size: 0.9688rem; }
.fine { margin-top: 1.25rem; color: var(--muted); font-size: 0.9rem; }

/* service icons */
.type { transition: border-color 0.25s ease, box-shadow 0.25s ease, transform 0.25s ease; }
.type:hover { border-color: var(--brand); box-shadow: 0 14px 28px -18px rgba(59, 51, 176, 0.5); transform: translateY(-2px); }
.ico { width: 3rem; height: 3rem; border-radius: 10px; background: var(--tint); color: var(--brand); display: grid; place-items: center; transition: background 0.25s ease, color 0.25s ease, transform 0.25s ease; }
.ico svg { width: 1.85rem; height: 1.85rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.type:hover .ico { background: var(--brand); color: var(--brand-ink); transform: rotate(-6deg) scale(1.06); }

/* logo dot and WhatsApp pulse */
.wa-float::after { content: ""; position: absolute; inset: 0; border-radius: 99px; border: 2px solid var(--wa); animation: ring 3.2s ease-out infinite; pointer-events: none; }
@keyframes ring { 0% { transform: scale(1); opacity: 0.7; } 70%, 100% { transform: scale(1.25, 1.5); opacity: 0; } }

/* process timeline */
.process { background: var(--soft); }
.timeline { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.25rem; max-width: 52rem; }
.timeline > li { display: grid; grid-template-columns: 2.5rem minmax(0, 1fr); gap: 0.9rem; position: relative; }
@media (min-width: 640px) { .timeline > li { grid-template-columns: 2.75rem minmax(0, 1fr); gap: 1.1rem; } }
.timeline > li:not(:last-child)::before, .timeline > li:not(:last-child)::after { content: ""; position: absolute; left: 1.25rem; top: 2.6rem; bottom: -1.25rem; width: 2px; }
.timeline > li:not(:last-child)::before { background: var(--brand); opacity: 0.25; }
.timeline > li:not(:last-child)::after { background: var(--accent); transform: scaleY(0); transform-origin: top; }
.timeline.go > li:not(:last-child)::after { animation: grow 0.7s ease forwards; animation-delay: calc(var(--i, 0) * 0.55s); }
.timeline.go .badge { animation: pop 0.5s ease backwards; animation-delay: calc(var(--i, 0) * 0.55s); }
@keyframes grow { to { transform: scaleY(1); } }
@keyframes pop { from { transform: scale(0.6); } }
.badge { width: 2.5rem; height: 2.5rem; border-radius: 50%; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; font: 800 1.1rem var(--font-display); }
@media (min-width: 640px) { .badge { width: 2.75rem; height: 2.75rem; } .timeline > li:not(:last-child)::before, .timeline > li:not(:last-child)::after { left: 1.375rem; top: 2.85rem; } }
.step-card { background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1.25rem 1.4rem; min-width: 0; }
.step-card h3 { font-size: 1.25rem; font-weight: 800; margin-bottom: 0.4rem; }
.step-card .what { margin-bottom: 1rem; }
.who { display: grid; gap: 0.75rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .who { grid-template-columns: 1fr 1fr; gap: 1rem; } }
.who > div { background: var(--bg); border-radius: 8px; padding: 0.85rem 1rem; min-width: 0; }
.who .label { display: block; margin-bottom: 0.3rem; color: var(--brand); }
.who p { color: var(--muted); font-size: 0.9688rem; }
.time-note { max-width: 52rem; margin-top: 1.5rem; background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1rem 1.25rem; color: var(--muted); }
.time-note b { color: var(--ink); }

/* calculator band */
.calc { background: var(--band); color: var(--band-ink); }
.calc .lead { color: var(--band-mute); }
.calc-grid { display: grid; gap: 2rem; grid-template-columns: 1fr; align-items: start; }
@media (min-width: 900px) { .calc-grid { grid-template-columns: 1fr 1fr; gap: 3rem; } }
.controls { display: grid; gap: 1.75rem; min-width: 0; }
.ctl label { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: 0.6rem; font-weight: 500; }
.ctl output { font: 700 1.125rem var(--font-display); color: var(--band-accent); font-variant-numeric: tabular-nums; }
.ctl input[type="range"] { width: 100%; accent-color: var(--band-accent); height: 1.75rem; margin: 0; }
.ctl .range { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--band-mute); }
.result { background: var(--band-card); border: 1px solid var(--band-line); border-radius: 10px; padding: 1.5rem; min-width: 0; }
.result .lbl { color: var(--band-mute); font-size: 0.9rem; }
.emi { font: 800 clamp(2.4rem, 7vw, 3.5rem) var(--font-display); color: var(--band-accent); font-variant-numeric: tabular-nums; line-height: 1.15; margin: 0.15rem 0 1.25rem; overflow-wrap: anywhere; }
.donut-row { display: grid; gap: 1.25rem; grid-template-columns: 7.5rem minmax(0, 1fr); align-items: center; margin-bottom: 1.5rem; }
.donut { width: 100%; height: auto; display: block; }
.d-track { fill: none; stroke: var(--band-line); stroke-width: 16; }
.d-seg { fill: none; stroke-width: 16; transition: stroke-dasharray 0.5s ease, stroke-dashoffset 0.5s ease; }
.d-pri { stroke: var(--band-pri); }
.d-int { stroke: var(--band-accent); }
.d-big { fill: var(--band-ink); font: 800 20px var(--font-display); text-anchor: middle; }
.d-sm { fill: var(--band-mute); font: 600 9px var(--font-body); text-anchor: middle; }
.donut-row .legend { margin: 0; }
.chart { border-top: 1px solid var(--band-line); padding-top: 1.25rem; display: grid; gap: 0.6rem; }
.chart-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 0.25rem 1rem; }
.chart-title { font: 700 0.9688rem var(--font-display); }
.chart-read { color: var(--band-accent); font: 700 0.875rem var(--font-display); font-variant-numeric: tabular-nums; }
.bal { width: 100%; height: auto; display: block; touch-action: pan-y; cursor: crosshair; }
.bal .g { stroke: var(--band-line); stroke-width: 1; }
.bal .tx { fill: var(--band-mute); font: 500 10.5px var(--font-body); }
.bal .ar { fill: var(--band-accent); fill-opacity: 0.12; }
.bal .ln { fill: none; stroke: var(--band-accent); stroke-width: 2.5; stroke-linejoin: round; stroke-linecap: round; }
.bal .dot { fill: var(--band-accent); stroke: var(--band-card); stroke-width: 2; }
.bal .cross { stroke: var(--band-ink); stroke-width: 1; stroke-dasharray: 3 3; }
.chart-note { color: var(--band-mute); font-size: 0.875rem; }
@media (max-width: 520px) { .donut-row { grid-template-columns: 1fr; justify-items: center; } .donut { max-width: 9rem; } .donut-row .legend { width: 100%; } }
.legend { display: grid; gap: 0.75rem; margin: 1.25rem 0 0; padding: 0; list-style: none; }
.legend li { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding-bottom: 0.75rem; border-bottom: 1px solid var(--band-line); }
.legend li:last-child { border-bottom: 0; padding-bottom: 0; }
.legend span { display: inline-flex; align-items: center; gap: 0.5rem; color: var(--band-mute); }
.legend span::before { content: ""; width: 0.7rem; height: 0.7rem; border-radius: 3px; background: var(--band-line); }
.legend .lp span::before { background: var(--band-ink); }
.legend .li span::before { background: var(--band-accent); }
.legend b { font: 700 1rem var(--font-display); font-variant-numeric: tabular-nums; }
.calc .fine { color: var(--band-mute); }

/* documents */
.tabs { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.5rem; }
.tab { font: 700 0.9rem var(--font-display); padding: 0.6rem 1.1rem; border-radius: 6px; border: 1.5px solid var(--line); background: var(--surface); color: var(--ink); cursor: pointer; }
.tab[aria-selected="true"] { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); }
.docs { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.25rem 2.5rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 20rem), 1fr)); }
.docs li { display: flex; gap: 0.7rem; align-items: baseline; padding-block: 0.75rem; border-bottom: 1px solid var(--line); }
.docs .ic { color: var(--ok); transform: translateY(0.18em); }

/* rejections */
.why { background: var(--surface); border-block: 1px solid var(--line); }
.scale { background: var(--bg); border: 1px solid var(--line); border-radius: 10px; padding: 1.25rem 1.4rem; margin-bottom: 1.25rem; display: grid; gap: 0.75rem; }
.scale-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 0.25rem 1rem; }
.scale-head b { font-family: var(--font-display); font-size: 1.125rem; font-weight: 800; }
.scale-head span { color: var(--muted); font-size: 0.9rem; }
.bar { display: grid; grid-template-columns: 2fr 1fr; height: 2.5rem; border-radius: 6px; overflow: hidden; }
.bar .z { display: grid; place-items: center; padding-inline: 0.5rem; text-align: center; font: 700 0.8125rem var(--font-display); }
.bar .lo { background: var(--no); color: var(--no-ink); }
.bar .hi { background: var(--ok); color: var(--brand-ink); }
.ticks { position: relative; height: 1.25rem; font: 600 0.8125rem var(--font-display); color: var(--muted); }
.ticks span { position: absolute; top: 0; }
.ticks span:first-child { left: 0; }
.ticks span:last-child { right: 0; }
.ticks .mid { left: 66.667%; transform: translateX(-50%); }
.why-grid { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 19rem), 1fr)); }
.why-card { background: var(--bg); border: 1px solid var(--line); border-radius: 10px; padding: 1.35rem; display: grid; gap: 0.6rem; align-content: start; min-width: 0; }
.why-card .label { color: var(--muted); }
.why-card h3 { font-size: 1.15rem; font-weight: 800; }
.why-card p { color: var(--muted); font-size: 0.9688rem; }
.fix { margin-top: 0.4rem; padding-top: 0.85rem; border-top: 1px solid var(--line); display: grid; gap: 0.25rem; }
.fix .label { color: var(--brand); }
.fix p { color: var(--ink); }
.why-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem 2rem; margin-top: 1.5rem; padding: 1.25rem 1.5rem; background: var(--band); color: var(--band-ink); border-radius: 10px; }
.why-cta p { max-width: 46ch; font: 700 1.125rem var(--font-display); }
.why-cta .btn { background: var(--band-accent); border-color: var(--band-accent); color: var(--band); }

/* faq */
.faq { max-width: 46rem; }
details { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 1rem; align-items: center; padding-block: 1.1rem; font-family: var(--font-display); font-weight: 700; font-size: 1.125rem; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font: 500 1.5rem var(--font-display); color: var(--brand); flex: none; }
details[open] summary::after { content: "\2212"; }
details p { padding-bottom: 1.25rem; color: var(--muted); max-width: 62ch; }

/* contact */
.contact { background: var(--soft); }
.contact-grid { display: grid; gap: 2rem; grid-template-columns: minmax(0, 1fr); grid-template-areas: "head" "form" "info"; }
@media (min-width: 960px) {
  .contact-grid { grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); grid-template-rows: auto 1fr; column-gap: 4rem; row-gap: 2rem; grid-template-areas: "head form" "info form"; }
}
.c-head { grid-area: head; }
.c-head .sec-head { margin-bottom: 0; }
.c-info { grid-area: info; display: grid; gap: 1.5rem; align-content: start; min-width: 0; }
.c-form { grid-area: form; }
.next { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.9rem; }
.next li { display: grid; grid-template-columns: 2rem minmax(0, 1fr); gap: 0.8rem; align-items: start; }
.next .n { width: 2rem; height: 2rem; border-radius: 50%; background: var(--surface); border: 1.5px solid var(--brand); color: var(--brand); display: grid; place-items: center; font: 800 0.9rem var(--font-display); }
.next p { padding-top: 0.2rem; }
.person { background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1.25rem; display: grid; gap: 1rem; min-width: 0; }
.person-top { display: flex; align-items: center; gap: 0.9rem; }
.person-top .av { width: 3rem; height: 3rem; border-radius: 8px; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; font: 800 1.1rem var(--font-display); flex: none; }
.person-top b { display: block; font-family: var(--font-display); font-size: 1.1rem; font-weight: 800; line-height: 1.2; }
.person-top span { color: var(--muted); font-size: 0.9rem; }
.reach { display: grid; gap: 0.75rem; margin: 0; }
.reach > div { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 0.35rem 1rem; padding-top: 0.75rem; border-top: 1px solid var(--line); }
.reach dt { color: var(--muted); }
.reach dd { margin: 0; display: flex; flex-wrap: wrap; align-items: center; gap: 0.6rem; font-weight: 600; min-width: 0; overflow-wrap: anywhere; }

.formcard { background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: clamp(1.1rem, 3vw, 1.75rem); min-width: 0; }
.group { border: 0; padding: 0; margin: 0 0 1.75rem; min-width: 0; display: grid; gap: 0.9rem; }
.group legend { padding: 0; margin-bottom: 0.9rem; font: 800 1.0625rem var(--font-display); float: left; width: 100%; }
.group legend + * { clear: both; }
.gn { display: inline-grid; place-items: center; width: 1.5rem; height: 1.5rem; border-radius: 50%; background: var(--brand); color: var(--brand-ink); font: 800 0.8rem var(--font-display); margin-right: 0.55rem; vertical-align: 0.1em; }
.opt { font-weight: 500; color: var(--muted); font-size: 0.9rem; }
.chips { display: grid; gap: 0.5rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 12.5rem), 1fr)); }
.chip { position: relative; display: block; min-width: 0; }
.chip input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.chip span { display: block; padding: 0.7rem 0.9rem; border: 1.5px solid var(--line); border-radius: 8px; background: var(--bg); font-weight: 600; font-size: 0.9375rem; line-height: 1.3; }
.chip:hover span { border-color: var(--brand); }
.chip input:checked + span { border-color: var(--brand); background: var(--tint); box-shadow: inset 0 0 0 1px var(--brand); }
.chip input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }

.row2 { display: grid; gap: 1rem; grid-template-columns: 1fr; }
@media (min-width: 560px) { .row2 { grid-template-columns: 1fr 1fr; } }
.field { display: grid; gap: 0.35rem; min-width: 0; }
.field label { font-weight: 600; font-size: 0.9375rem; }
.field input, .field textarea {
  font: 400 1rem var(--font-body); color: var(--ink); background: var(--bg);
  border: 1.5px solid var(--line); border-radius: 6px; padding: 0.7rem 0.8rem; width: 100%; min-width: 0;
}
.field textarea { resize: vertical; min-height: 5rem; }
.field input:focus, .field textarea:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 3px var(--tint); }
.inwrap { position: relative; }
.inwrap .pre { position: absolute; left: 0.85rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; pointer-events: none; }
.inwrap input { padding-left: 2rem; }
.inwrap.wide input { padding-left: 2.9rem; }
.hint { font-size: 0.8125rem; color: var(--muted); min-height: 1.2em; }

.submit { display: grid; gap: 0.75rem; }
.err { background: var(--no); color: var(--no-ink); border-radius: 6px; padding: 0.65rem 0.9rem; font-weight: 600; font-size: 0.9375rem; }
.submit .btn { width: 100%; padding-block: 0.95rem; font-size: 1.0625rem; }
.sent { margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px dashed var(--line); display: grid; gap: 0.9rem; }
.sent h3 { font-size: 1.2rem; font-weight: 800; }
.sent textarea { width: 100%; min-height: 10rem; font: 400 0.9375rem var(--font-body); color: var(--ink); background: var(--bg); border: 1.5px solid var(--line); border-radius: 6px; padding: 0.75rem; resize: vertical; }
.sent .row { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.note { font-size: 0.875rem; color: var(--muted); }
.saved { background: var(--tint); border-radius: 6px; padding: 0.65rem 0.9rem; font-weight: 600; font-size: 0.9375rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* footer */
footer { background: var(--band); color: var(--band-mute); padding-block: 2.5rem; font-size: 0.9rem; }
footer .wrap { display: grid; gap: 0.9rem; }
footer p { max-width: 72ch; }
footer .brand { color: var(--band-ink); }
footer .wm i { color: var(--band-ink); opacity: 0.8; }
footer .mk { filter: none; box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.25); border-radius: 12px; }

/* floating WhatsApp button and phone call bar */
:root { --wa: #25D366; --wa-ink: #06280F; }
.wa-float {
  position: fixed; right: 1rem; bottom: 1.25rem; z-index: 30;
  display: inline-flex; align-items: center; gap: 0.55rem;
  background: var(--wa); color: var(--wa-ink); text-decoration: none;
  font: 800 0.9688rem var(--font-display); padding: 0.8rem 1.15rem; border-radius: 99px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.28);
}
.wa-float:hover { filter: brightness(1.06); }
.wa-float .ic { width: 1.35em; height: 1.35em; stroke-width: 2.2; }
.callbar { display: none; }
@media (max-width: 719px) {
  .wa-float { bottom: calc(4.4rem + env(safe-area-inset-bottom, 0px)); padding: 0.75rem 1rem; }
  .callbar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 30;
    display: flex; align-items: center; justify-content: center; gap: 0.6rem;
    background: var(--brand); color: var(--brand-ink); text-decoration: none;
    font: 800 1.0625rem var(--font-display);
    padding: 0.95rem 1rem calc(0.95rem + env(safe-area-inset-bottom, 0px));
    box-shadow: 0 -4px 14px rgba(0, 0, 0, 0.2);
  }
  .callbar .ic { width: 1.25em; height: 1.25em; }
  .callbar .num { font-weight: 600; opacity: 0.9; }
  footer { padding-bottom: calc(2.5rem + 4.2rem + env(safe-area-inset-bottom, 0px)); }
}

/* service ribbon */
.ribbon { background: var(--brand); color: var(--brand-ink); overflow: hidden; padding-block: 0.95rem; }
.rtrack { display: flex; width: max-content; animation: scroll 45s linear infinite; }
.ribbon:hover .rtrack { animation-play-state: paused; }
.rlist { display: flex; flex: none; list-style: none; margin: 0; padding: 0; }
.rlist li { display: inline-flex; align-items: center; gap: 0.6rem; font: 700 0.9375rem var(--font-display); white-space: nowrap; }
.rlist li::after { content: ""; width: 0.45rem; height: 0.45rem; background: var(--accent); transform: rotate(45deg); margin-inline: 1.6rem; }
.rlist svg { width: 1.4rem; height: 1.4rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
@keyframes scroll { to { transform: translateX(-50%); } }

/* you - Jensi Finloan - bank diagram */
.bridge { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.5rem; padding: 1.5rem 1.25rem; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; }
.bnode { display: grid; justify-items: center; gap: 0.3rem; text-align: center; flex: none; width: 9.5rem; }
.bic { width: 4.25rem; height: 4.25rem; border-radius: 50%; display: grid; place-items: center; background: var(--tint); color: var(--brand); border: 2px solid var(--brand); font: 800 1.4rem var(--font-display); margin-bottom: 0.25rem; }
.bnode.mid .bic { width: 5rem; height: 5rem; background: var(--brand); color: var(--brand-ink); font-size: 1.6rem; box-shadow: 0 0 0 6px var(--tint); }
.bic svg { width: 2.1rem; height: 2.1rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.bnode b { font: 800 1rem var(--font-display); }
.bnode small { color: var(--muted); font-size: 0.8125rem; line-height: 1.4; }
.conn { flex: 1; min-width: 0; display: grid; justify-items: center; gap: 0.5rem; }
.conn span { font: 700 0.6875rem var(--font-display); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); text-align: center; }
.conn i { position: relative; display: block; width: 100%; height: 2px; background: repeating-linear-gradient(90deg, var(--line) 0 6px, transparent 6px 12px); }
.conn i::before { content: ""; position: absolute; left: 0; top: 50%; width: 0.65rem; height: 0.65rem; margin-top: -0.325rem; border-radius: 50%; background: var(--accent); animation: packet 2.4s ease-in-out infinite; }
.conn.two i::before { animation-delay: 1.2s; }
.conn i::after { content: ""; position: absolute; right: -1px; top: 50%; margin-top: -5px; border: 5px solid transparent; border-left: 8px solid var(--brand); border-right: 0; }
@keyframes packet { 0% { left: 0; opacity: 0; } 15%, 85% { opacity: 1; } 100% { left: calc(100% - 0.65rem); opacity: 0; } }
@keyframes packetV { 0% { top: 0; opacity: 0; } 15%, 85% { opacity: 1; } 100% { top: calc(100% - 0.65rem); opacity: 0; } }
@media (max-width: 700px) {
  .bridge { flex-direction: column; gap: 0.5rem; }
  .bnode { width: 100%; max-width: 16rem; }
  .conn { flex: none; grid-auto-flow: column; align-items: center; column-gap: 0.9rem; }
  .conn i { width: 2px; height: 3.5rem; background: repeating-linear-gradient(180deg, var(--line) 0 6px, transparent 6px 12px); }
  .conn i::before { left: 50%; top: 0; margin: 0 0 0 -0.325rem; animation-name: packetV; }
  .conn i::after { right: auto; left: 50%; top: auto; bottom: -1px; margin: 0 0 0 -5px; border: 5px solid transparent; border-top: 8px solid var(--brand); border-bottom: 0; }
}

/* credit score gauge */
.gauge { width: 100%; max-width: 26rem; margin-inline: auto; display: block; height: auto; }
.g-lo, .g-hi { fill: none; stroke-width: 22; }
.g-lo { stroke: var(--no); }
.g-hi { stroke: var(--ok); }
.g-tx { fill: var(--muted); font: 700 12px var(--font-display); }
.g-big { fill: var(--ink); font: 800 30px var(--font-display); text-anchor: middle; }
.g-sm { fill: var(--muted); font: 600 11px var(--font-body); text-anchor: middle; }
.needle { transform-origin: 180px 180px; transform: rotate(135deg); }
.needle line { stroke: var(--ink); stroke-width: 4; stroke-linecap: round; }
.needle circle { fill: var(--ink); }
.scale.go .needle { animation: sweep 1.8s cubic-bezier(0.3, 1.3, 0.5, 1) both; }
@keyframes sweep { from { transform: rotate(0deg); } to { transform: rotate(135deg); } }
.keys { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.5rem 1.5rem; font-size: 0.9rem; font-weight: 600; }
.keys span { display: inline-flex; align-items: center; gap: 0.5rem; }
.keys span::before { content: ""; width: 0.8rem; height: 0.8rem; border-radius: 3px; background: var(--no); }
.keys span.ok::before { background: var(--ok); }

/* step icons */
.step-card { position: relative; }
.step-card h3 { padding-right: 3.5rem; }
.step-ico { position: absolute; right: 1rem; top: 1rem; width: 2.75rem; height: 2.75rem; border-radius: 10px; background: var(--tint); color: var(--brand); display: grid; place-items: center; }
.step-ico svg { width: 1.6rem; height: 1.6rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* coin stack beside the calculator heading */
.calc-top { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.calc-top .sec-head { margin-bottom: 2.25rem; }
.coins-art { width: 11rem; height: auto; flex: none; margin-bottom: 1rem; }
.cn { animation: drop 6s cubic-bezier(0.3, 0, 0.4, 1) infinite both; }
@keyframes drop { 0% { transform: translateY(-80px); opacity: 0; } 6% { opacity: 1; } 14% { transform: translateY(0); } 17% { transform: translateY(-5px); } 20%, 84% { transform: translateY(0); opacity: 1; } 94%, 100% { transform: translateY(0); opacity: 0; } }
@media (max-width: 720px) { .coins-art { display: none; } }

/* city skyline above the footer */
.contact { position: relative; padding-bottom: calc(clamp(3rem, 7vw, 5.5rem) + 3.5rem); }
.skyline { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 5.5rem; display: block; pointer-events: none; }
.sk { fill: var(--band); }
.win { fill: var(--band-accent); opacity: 0.22; }
.win.b { animation: blink 4s ease-in-out infinite; }
@keyframes blink { 50% { opacity: 0.95; } }

/* paper plane beside the contact form */
.plane-art { width: 100%; max-width: 22rem; height: auto; display: block; overflow: visible; }
.cloud { fill: var(--surface); animation: drift 16s ease-in-out infinite alternate; }
@keyframes drift { to { transform: translateX(40px); } }
.plane-trail { fill: none; stroke: var(--brand); stroke-opacity: 0.45; stroke-width: 2; stroke-linecap: round; stroke-dasharray: 1 10; animation: march 1s linear infinite; }
.plane-body { fill: var(--brand); }
.plane-fold { fill: var(--accent); }
@media (max-width: 959px) { .plane-art { display: none; } }

/* services: darker indigo band with animated illustrations */
.svc { position: relative; overflow: hidden; background: var(--deep); color: var(--deep-ink); }
.svc::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(620px 320px at 82% 0%, rgba(255, 181, 71, 0.11), transparent 70%), radial-gradient(520px 320px at 0% 100%, rgba(143, 137, 255, 0.16), transparent 70%); }
.svc .wrap { position: relative; z-index: 1; }
.svc .sec-head h2 { color: var(--deep-ink); }
.svc .lead, .svc .fine { color: var(--deep-mute); }
.svc .type { display: flex; flex-direction: column; gap: 0.6rem; background: var(--deep-card); border-color: var(--deep-line); color: var(--deep-ink); }
.svc .type h3 { color: var(--deep-ink); }
.svc .type p { color: var(--deep-mute); }
.svc .type .kind { color: var(--band-accent); }
.svc .type:hover { border-color: var(--band-accent); box-shadow: 0 18px 36px -18px rgba(255, 181, 71, 0.5); transform: translateY(-4px); }
.svc.go .type { animation: rise-in 0.7s ease backwards; animation-delay: calc(var(--i, 0) * 0.08s); }
@keyframes rise-in { from { transform: translateY(22px); opacity: 0.15; } }
.ask { margin-top: auto; padding-top: 0.5rem; display: inline-flex; align-items: center; gap: 0.4rem; color: var(--band-accent); font: 700 0.9rem var(--font-display); text-decoration: none; }
.ask::after { content: "\2192"; transition: transform 0.2s ease; }
.type:hover .ask::after { transform: translateX(5px); }
.ask:hover { text-decoration: underline; text-underline-offset: 3px; }

.floaters { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.fl { position: absolute; bottom: -4rem; display: grid; place-items: center; border: 2px solid rgba(168, 162, 255, 0.24); border-radius: 50%; color: rgba(168, 162, 255, 0.34); font: 800 0.85rem var(--font-display); animation: floatup 26s linear infinite; }
.fl.dm { border-radius: 4px; transform: rotate(45deg); }
@keyframes floatup { from { bottom: -4rem; } to { bottom: 100%; } }

.ill { width: 4.75rem; height: 4.75rem; border-radius: 16px; display: grid; place-items: center; background: rgba(168, 162, 255, 0.1); border: 1px solid var(--deep-line); margin-bottom: 0.4rem; transition: background 0.25s ease, border-color 0.25s ease; }
.type:hover .ill { background: rgba(255, 181, 71, 0.12); border-color: rgba(255, 181, 71, 0.5); }
.ill svg { width: 3.6rem; height: 3.6rem; overflow: visible; }
.ill svg * { transform-box: fill-box; transform-origin: center; }
.ill .a { fill: none; stroke: var(--band-pri); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.ill .sa { fill: none; stroke: var(--band-accent); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.ill .s { fill: var(--band-accent); stroke: none; }
.ill .card { fill: var(--deep-card); }
.ill .wc { fill: var(--deep-card); }
.ill .road { stroke-opacity: 0.45; stroke-dasharray: 6 6; }
.ill .ring { fill: none; stroke: var(--band-accent); stroke-width: 2; opacity: 0; }
.svc.go .sm1 { animation: smoke 3s ease-out infinite; }
.svc.go .sm2 { animation: smoke 3s ease-out 1s infinite; }
.svc.go .sm3 { animation: smoke 3s ease-out 2s infinite; }
@keyframes smoke { from { transform: translate(0, 0) scale(1); opacity: 0.9; } to { transform: translate(5px, -13px) scale(1.9); opacity: 0; } }
.svc.go .glow { animation: glow 2.6s ease-in-out infinite; }
.svc.go .glow.g2 { animation-delay: -1.3s; }
@keyframes glow { 50% { opacity: 0.3; } }
.svc.go .arr1 { animation: slide-r 2.4s ease-in-out infinite; }
.svc.go .arr2 { animation: slide-l 2.4s ease-in-out infinite; }
@keyframes slide-r { 50% { transform: translateX(6px); } }
@keyframes slide-l { 50% { transform: translateX(-6px); } }
.svc.go .w { animation: lit 4.8s ease-in-out infinite; }
.svc.go .w2 { animation-delay: 0.4s; } .svc.go .w3 { animation-delay: 0.8s; } .svc.go .w4 { animation-delay: 1.2s; } .svc.go .w5 { animation-delay: 1.6s; } .svc.go .w6 { animation-delay: 2s; }
@keyframes lit { 0%, 100% { opacity: 0.2; } 12%, 55% { opacity: 1; } }
.svc.go .ill svg .tassel { transform-box: view-box; transform-origin: 58px 28px; animation: swing 2.2s ease-in-out infinite alternate; }
@keyframes swing { from { transform: rotate(-9deg); } to { transform: rotate(9deg); } }
.svc.go .sp { animation: twinkle 2.6s ease-in-out infinite; }
.svc.go .sp2 { animation-delay: -1.3s; }
@keyframes twinkle { 0%, 100% { transform: scale(0.4); opacity: 0.3; } 50% { transform: scale(1.2); opacity: 1; } }
.svc.go .carbody { animation: bump 0.45s ease-in-out infinite alternate; }
@keyframes bump { to { transform: translateY(-0.9px); } }
.svc.go .wheel { animation: spin 0.8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.svc.go .road { animation: roadgo 0.7s linear infinite; }
@keyframes roadgo { to { stroke-dashoffset: 12; } }
.svc.go .coin { animation: coindrop 3s ease-in infinite; }
@keyframes coindrop { 0% { transform: translateY(-8px); opacity: 0; } 15% { opacity: 1; } 62% { transform: translateY(22px); opacity: 1; } 72%, 100% { transform: translateY(24px); opacity: 0; } }
.svc.go .chk { stroke-dasharray: 1; animation: draw 3.2s ease-in-out infinite; }
@keyframes draw { 0% { stroke-dashoffset: 1; } 35%, 85% { stroke-dashoffset: 0; } 100% { stroke-dashoffset: 1; } }
.svc.go .ring { animation: pulse 3.2s ease-out infinite; }
@keyframes pulse { 0% { transform: scale(0.75); opacity: 0.6; } 100% { transform: scale(1.3); opacity: 0; } }
.svc.go .heart { animation: beat 1.5s ease-in-out infinite; }
@keyframes beat { 0%, 100% { transform: scale(1); } 14% { transform: scale(1.13); } 28% { transform: scale(1); } 42% { transform: scale(1.08); } 70% { transform: scale(1); } }

/* why banks say no: darker indigo band */
.why { position: relative; overflow: hidden; background: var(--deep); color: var(--deep-ink); border: 0; }
.why::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(620px 320px at 8% 0%, rgba(255, 181, 71, 0.10), transparent 70%), radial-gradient(540px 320px at 100% 100%, rgba(143, 137, 255, 0.16), transparent 70%); }
.why .wrap { position: relative; z-index: 1; }
.why .sec-head h2 { color: var(--deep-ink); }
.why .lead { color: var(--deep-mute); }
.why .scale { background: var(--deep-card); border-color: var(--deep-line); }
.why .scale-head b { color: var(--deep-ink); }
.why .scale-head span, .why .note { color: var(--deep-mute); }
.why .g-lo { stroke: #FB7185; }
.why .g-hi { stroke: #4ADE80; }
.why .g-tx, .why .g-sm { fill: var(--deep-mute); }
.why .g-big { fill: var(--deep-ink); }
.why .needle line { stroke: var(--band-accent); }
.why .needle circle { fill: var(--band-accent); }
.why .keys { color: var(--deep-ink); }
.why .keys span::before { background: #FB7185; }
.why .keys span.ok::before { background: #4ADE80; }
.why .why-card { background: var(--deep-card); border-color: var(--deep-line); transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease; }
.why .why-card:hover { border-color: var(--band-accent); transform: translateY(-3px); box-shadow: 0 16px 32px -18px rgba(255, 181, 71, 0.45); }
.why .why-card .label { color: var(--band-accent); }
.why .why-card h3 { color: var(--deep-ink); }
.why .why-card p { color: var(--deep-mute); }
.why .fix { border-top-color: var(--deep-line); }
.why .fix .label { color: var(--band-pri); }
.why .fix p { color: var(--deep-ink); }
.why .why-cta { background: #3B33B0; color: #FFFFFF; }
.why.go .why-card { animation: rise-in 0.7s ease backwards; animation-delay: calc(var(--i, 0) * 0.08s); }
.fl.pg { border-radius: 4px; background: repeating-linear-gradient(to bottom, transparent 0, transparent 0.38rem, rgba(168, 162, 255, 0.3) 0.38rem, rgba(168, 162, 255, 0.3) 0.48rem); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .tk, .stamp { opacity: 1; }
  .mover { display: none; }
  .doc-final { display: block; }
  .plane { display: none; }
  .fl { display: none; }
  .rtrack { width: auto; flex-wrap: wrap; justify-content: center; row-gap: 0.5rem; }
  .rlist:nth-child(2) { display: none; }
}

/* ---- darker hero ---- */
.hero { background: var(--deep); color: var(--deep-ink); border-bottom: 0; }
.hero-bg { background:
  radial-gradient(560px 340px at 92% -8%, rgba(255, 181, 71, 0.16), transparent 70%),
  radial-gradient(520px 340px at -8% 108%, rgba(110, 100, 255, 0.28), transparent 70%); }
.hero-bg::after { background-image: radial-gradient(rgba(168, 162, 255, 0.22) 1.3px, transparent 1.3px); }
.hero .kicker { color: #FFB547; }
.hero h1 { color: #FFFFFF; }
.hero .hl { background: linear-gradient(transparent 62%, rgba(255, 181, 71, 0.4) 62%); }
.hero .lead { color: var(--deep-mute); }
.hero .btn.ghost { color: #EEEDFB; border-color: #4A45A8; }
.hero .btn.ghost:hover { border-color: #A8A2FF; }
.hero .facts { color: var(--deep-mute); }
.hero .facts .ic { color: #4ADE80; }
.hero .back-fill { fill: #1C1957; }
.hero .back-ring { stroke: #34308A; }
.hero .sv { stroke: #A8A2FF; }
.hero .road { stroke: #2A2678; }
.hero .road-flow { stroke: #A8A2FF; }
.hero .stn { fill: #1C1957; stroke: #A8A2FF; }
.hero .stn.end { fill: #4A3611; stroke: #FFB547; }
.hero .tile { fill: #1C1957; stroke: #34308A; }
.hero .tk circle { fill: #4ADE80; }
.hero .tk path { stroke: #05260F; }
.hero .stamp rect { fill: #1C1957; stroke: #4ADE80; }
.hero .stamp text { fill: #4ADE80; }
.hero .docp { fill: #EEEDFB; stroke: #A8A2FF; }
.hero .docf { fill: #C9C5F5; stroke: #A8A2FF; }
.hero .docl { stroke: #6D6A9F; }
.hero .pills li { background: #1C1957; border-color: #34308A; color: #EEEDFB; }
.hero .pills b { background: #34308A; color: #EEEDFB; }
.hero .pills .p1 { animation-name: hon1; }
.hero .pills .p2 { animation-name: hon2; }
.hero .pills .p3 { animation-name: hon3; }
@keyframes hon1 { 0%, 24.9% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } 25%, 54.9% { background: #FFB547; border-color: #FFB547; color: #2B1700; } 55%, 100% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } }
@keyframes hon2 { 0%, 54.9% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } 55%, 84.9% { background: #FFB547; border-color: #FFB547; color: #2B1700; } 85%, 100% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } }
@keyframes hon3 { 0%, 84.9% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } 85%, 98% { background: #FFB547; border-color: #FFB547; color: #2B1700; } 98.1%, 100% { background: #1C1957; border-color: #34308A; color: #EEEDFB; } }

/* ---- process: steps + animated scene ---- */
.pgrid { display: grid; gap: 1.75rem; grid-template-columns: minmax(0, 1fr); }
.pgrid .timeline { max-width: none; }
@media (min-width: 960px) {
  .pgrid { grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 2.5rem; align-items: start; }
  .pgrid .timeline { grid-column: 1; grid-row: 1; }
  .pwrap { grid-column: 2; grid-row: 1; position: sticky; top: 5.75rem; }
}
.timeline > li .step-card { transition: border-color 0.3s ease, box-shadow 0.3s ease; cursor: default; }
.timeline > li.cur .step-card { border-color: var(--brand); box-shadow: 0 16px 32px -20px rgba(59, 51, 176, 0.6); }
.timeline > li .badge { transition: background 0.3s ease, color 0.3s ease; }
.timeline > li.cur .badge { background: var(--accent); color: var(--accent-ink); }

.pscene { position: relative; overflow: hidden; background: var(--deep); color: var(--deep-ink); border: 1px solid #34308A; border-radius: 18px; padding: 1rem 1rem 0.9rem; box-shadow: 0 24px 48px -28px rgba(18, 15, 64, 0.8); }
.pscene::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(rgba(168, 162, 255, 0.16) 1.2px, transparent 1.2px) 0 0 / 20px 20px; -webkit-mask-image: linear-gradient(to bottom, #000, transparent 70%); mask-image: linear-gradient(to bottom, #000, transparent 70%); }
.pscene svg { position: relative; width: 100%; height: auto; display: block; }
.ps { opacity: 0; visibility: hidden; transition: opacity 0.45s ease, visibility 0s linear 0.45s; }
.ps.on { opacity: 1; visibility: visible; transition: opacity 0.45s ease; }
.ps text { font-size: 12px; }
.ps .bt { font-weight: 600; fill: #2B1700; }
.ps .bt.lt { fill: #EEEDFB; }
.ps .pl { font: 700 13px var(--font-display); fill: #EEEDFB; text-anchor: middle; }
.ps .pm { text-anchor: middle; }
.ps .av { font: 800 20px var(--font-display); fill: #FFFFFF; text-anchor: middle; dominant-baseline: central; }
.ps .dt { font: 800 14px var(--font-display); fill: #17153A; }
.ps .rt { font: 700 13px var(--font-body); fill: #17153A; }
.ps .stx { font: 800 14px var(--font-display); letter-spacing: 0.1em; fill: #16A34A; text-anchor: middle; dominant-baseline: central; }
.ps .ct { font: 800 12px var(--font-display); fill: #2B1700; text-anchor: middle; dominant-baseline: central; }
.ps .pi { fill: none; stroke: #A8A2FF; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.ps .lane { fill: none; stroke: #A8A2FF; stroke-width: 2; stroke-dasharray: 3 8; stroke-linecap: round; opacity: 0.8; }
.ps .tick { fill: none; stroke: #16A34A; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 20; }
.ps .wave { fill: none; stroke: #FFB547; stroke-width: 2; opacity: 0.25; }
.ps .typ { opacity: 0; }
.ps .scan { opacity: 0; }
.ps .hA, .ps .hC { opacity: 0; }
.ps .conf { opacity: 0; }
.ps .nd { transform: rotate(52deg); transform-origin: 312px 140px; }
.ps .hand { transform-origin: 290px 226px; }
.ps .b, .ps .pop, .ps .file, .ps .slam, .ps .keyb, .ps .msg, .ps .dot, .ps .live, .ps .mag, .ps .mag2, .ps .cn2, .ps .letter, .ps .hi, .ps .wave { transform-box: fill-box; transform-origin: center; }

.ps1.on .b1 { animation: pop-in 0.45s cubic-bezier(0.3, 1.5, 0.5, 1) 0.3s backwards; }
.ps1.on .b2 { animation: pop-in 0.45s cubic-bezier(0.3, 1.5, 0.5, 1) 1.1s backwards; }
.ps1.on .typ { animation: typ 1.3s linear 1.9s; }
.ps1.on .b3 { animation: pop-in 0.45s cubic-bezier(0.3, 1.5, 0.5, 1) 3.2s backwards; }
.ps1.on .b5 { animation: pop-in 0.45s cubic-bezier(0.3, 1.5, 0.5, 1) 4.4s backwards; }
.ps1.on .b4 { animation: pop-in 0.45s ease 0.6s backwards; }
.ps1.on .dot { animation: dotb 0.6s ease-in-out infinite; }
.ps1.on .dot.d2 { animation-delay: 0.15s; }
.ps1.on .dot.d3 { animation-delay: 0.3s; }
.ps1.on .wave { animation: wave 2.4s ease-out infinite; }
.ps1.on .wave.w2 { animation-delay: 0.8s; }
.ps1.on .wave.w3 { animation-delay: 1.6s; }
.ps .dot { fill: #EEEDFB; }
.ps1.on .live { animation: pulse-dot 1.6s ease-in-out infinite; }
.ps.on .lane { animation: dash 0.9s linear infinite; }
@keyframes pop-in { from { opacity: 0; transform: scale(0.6); } }
@keyframes typ { 0% { opacity: 0; } 8%, 88% { opacity: 1; } 100% { opacity: 0; } }
@keyframes dotb { 50% { transform: translateY(-4px); } }
@keyframes wave { 0% { transform: scale(0.8); opacity: 0.7; } 100% { transform: scale(1.7); opacity: 0; } }
@keyframes pulse-dot { 50% { transform: scale(1.3); } }
@keyframes dash { to { stroke-dashoffset: -11; } }

.ps2.on .t1 { animation: draw 0.4s ease 0.9s backwards; }
.ps2.on .t2 { animation: draw 0.4s ease 1.7s backwards; }
.ps2.on .t3 { animation: draw 0.4s ease 2.5s backwards; }
.ps2.on .t4 { animation: draw 0.4s ease 3.3s backwards; }
.ps2.on .scan { animation: scan 3.6s ease-in-out infinite; }
.ps2.on .mag { animation: mag 7s ease-in-out infinite; }
.ps2.on .nd { animation: swing 1.9s cubic-bezier(0.3, 1.35, 0.5, 1) 0.5s backwards; }
.ps2.on .b4 { animation: pop-in 0.5s cubic-bezier(0.3, 1.5, 0.5, 1) 3.6s backwards; }
@keyframes draw { from { stroke-dashoffset: 20; } }
@keyframes scan { 0% { transform: translateY(34px); opacity: 0; } 8%, 92% { opacity: 1; } 100% { transform: translateY(290px); opacity: 0; } }
@keyframes mag { 0%, 100% { transform: translate(0, 0); } 25% { transform: translate(-22px, 50px); } 50% { transform: translate(0, 100px); } 75% { transform: translate(-22px, 150px); } }
@keyframes swing { from { transform: rotate(-82deg); } }

.ps3.on .hA { animation: hlA 3s linear both; }
.ps3.on .hB { animation: hlB 3s linear both; }
.ps3.on .hC { animation: hlC 3s linear both; }
.ps3.on .pick { animation: pop-in 0.5s cubic-bezier(0.3, 1.5, 0.5, 1) 2.2s backwards; }
.ps3.on .file { animation: fileup 1s cubic-bezier(0.3, 0.8, 0.3, 1) 2.3s backwards; }
.ps3.on .sentd { animation: pop-in 0.5s cubic-bezier(0.3, 1.6, 0.5, 1) 3.4s backwards; }
.ps .hB { opacity: 1; }
@keyframes hlA { 0%, 8% { opacity: 0; } 12%, 28% { opacity: 1; } 34%, 100% { opacity: 0; } }
@keyframes hlC { 0%, 36% { opacity: 0; } 40%, 56% { opacity: 1; } 62%, 100% { opacity: 0; } }
@keyframes hlB { 0%, 64% { opacity: 0; } 70%, 100% { opacity: 1; } }
@keyframes fileup { from { opacity: 0; transform: translateY(60px); } }

.ps4.on .msg.q { animation: qa 4.4s ease-in-out infinite; }
.ps4.on .msg.r { animation: ra 4.4s ease-in-out infinite; }
.ps4.on .mag2 { animation: mag2 5s ease-in-out infinite; }
.ps4.on .hand { animation: spin 6s linear infinite; }
.ps4 .lane.l2 { animation-direction: reverse; }
@keyframes qa { 0% { opacity: 0; transform: translateX(0); } 8% { opacity: 1; } 40% { opacity: 1; transform: translateX(-176px); } 48%, 100% { opacity: 0; transform: translateX(-176px); } }
@keyframes ra { 0%, 50% { opacity: 0; transform: translateX(0); } 58% { opacity: 1; } 92% { opacity: 1; transform: translateX(176px); } 100% { opacity: 0; transform: translateX(176px); } }
@keyframes mag2 { 0%, 100% { transform: translate(0, 0); } 25% { transform: translate(-30px, -6px); } 50% { transform: translate(-6px, 14px); } 75% { transform: translate(-34px, 10px); } }
@keyframes spin { to { transform: rotate(360deg); } }

.ps5.on .letter { animation: drop 0.7s cubic-bezier(0.3, 1.2, 0.5, 1) backwards; }
.ps5.on .slam { animation: slam 0.5s cubic-bezier(0.3, 1.6, 0.5, 1) 1s backwards; }
.ps5.on .cn2 { animation: coinflow 2.8s ease-in-out infinite; }
.ps5.on .keyb { animation: pop-in 0.5s cubic-bezier(0.3, 1.6, 0.5, 1) 3.4s backwards; }
.ps5.on .conf { animation: conf 2.4s ease-out 3.4s both; }
@keyframes drop { from { opacity: 0; transform: translateY(-26px); } }
@keyframes slam { from { opacity: 0; transform: scale(2.4) rotate(8deg); } }
@keyframes coinflow { 0% { opacity: 0; transform: translateX(0); } 12% { opacity: 1; } 85% { opacity: 1; } 100% { opacity: 0; transform: translateX(var(--d)); } }
@keyframes conf { 0% { opacity: 0; transform: scale(0.4); } 15% { opacity: 1; } 100% { opacity: 0; transform: scale(1.5); } }
.ps5 .cn2 { opacity: 1; }

.pcap { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-top: 0.4rem; }
.pcap > div:first-child { display: grid; gap: 0.1rem; min-width: 0; }
.pnum { color: #FFB547; font: 700 0.6875rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; }
.ptitle { font: 700 1rem var(--font-display); color: #FFFFFF; }
.pdots { display: flex; gap: 0.1rem; flex: none; }
.pdots button { width: 1.5rem; height: 1.5rem; padding: 0; border: 0; background: transparent; cursor: pointer; display: grid; place-items: center; }
.pdots button::before { content: ""; width: 0.55rem; height: 0.55rem; border-radius: 99px; background: #4A45A8; transition: width 0.3s ease, background 0.3s ease; }
.pdots button[aria-current="true"]::before { width: 1.2rem; background: #FFB547; }
.pdots button:focus-visible { outline: 2px solid #FFB547; outline-offset: 1px; border-radius: 6px; }


/* ---- partner banks ---- */
.partners { background: var(--soft); }
.bgrp + .bgrp { margin-top: 2.25rem; }
.bgrp-head { display: flex; gap: 0.9rem; align-items: center; margin-bottom: 1rem; }
.bgrp-head h3 { font-size: 1.3rem; font-weight: 800; }
.bgrp-head p { color: var(--muted); font-size: 0.9688rem; margin-top: 0.15rem; }
.bgi { flex: none; width: 3rem; height: 3rem; border-radius: 12px; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; }
.bgi.alt { background: var(--accent); color: var(--accent-ink); }
.bgi svg { width: 1.7rem; height: 1.7rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.bgrid { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.9rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 15rem), 1fr)); }
.bcard { display: flex; align-items: center; gap: 0.9rem; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 0.9rem 1rem; min-width: 0; position: relative; overflow: hidden; transition: border-color 0.25s ease, box-shadow 0.25s ease, transform 0.25s ease; }
.bcard::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--brand); transform: scaleY(0); transform-origin: top; transition: transform 0.3s ease; }
.bcard:hover { border-color: var(--brand); box-shadow: 0 14px 28px -18px rgba(59, 51, 176, 0.55); transform: translateY(-3px); }
.bcard:hover::before { transform: scaleY(1); }
.bmono { flex: none; width: 3.4rem; height: 3.4rem; border-radius: 10px; background: var(--tint); color: var(--brand); display: grid; place-items: center; font: 800 0.8125rem var(--font-display); letter-spacing: 0.02em; transition: background 0.25s ease, color 0.25s ease; }
.bcard:hover .bmono { background: var(--brand); color: var(--brand-ink); }
.bname { display: grid; gap: 0.1rem; min-width: 0; }
.bname b { font: 700 1rem var(--font-display); color: var(--ink); line-height: 1.25; }
.bname small { color: var(--muted); font-size: 0.8125rem; }
.partners.go .bcard { animation: rise-in 0.6s ease backwards; animation-delay: calc(var(--i, 0) * 0.06s); }
.bnote { margin-top: 1.75rem; max-width: 52rem; background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: 1rem 1.25rem; color: var(--muted); }
.bnote b { color: var(--ink); }
.bnote a { color: var(--brand); font-weight: 600; }


/* ---- animated contact card ---- */
.pcard { position: relative; isolation: isolate; overflow: hidden; border: 0; border-radius: 16px; padding: 1.5rem; background: transparent; color: #EEEDFB; gap: 1.1rem; box-shadow: 0 24px 48px -26px rgba(18, 15, 64, 0.8); }
.pcard::before { content: ""; position: absolute; inset: -80%; z-index: -2; background: conic-gradient(from 0deg, transparent 0 62%, #FFB547 80%, #A8A2FF 90%, transparent 100%); animation: spin 7s linear infinite; }
.pcard::after { content: ""; position: absolute; inset: 1.5px; z-index: -1; border-radius: 14.5px; background: radial-gradient(420px 220px at 100% 0%, rgba(110, 100, 255, 0.35), transparent 70%), linear-gradient(160deg, #1C1957, #120F40); }
.pcard .person-top { gap: 1rem; }
.pcard .av { position: relative; width: 3.8rem; height: 3.8rem; border-radius: 50%; background: #3B33B0; color: #FFFFFF; border: 2px solid #A8A2FF; overflow: visible; }
.pcard .avt { font: 800 1.2rem var(--font-display); color: #FFFFFF; }
.pcard .pring { position: absolute; inset: -2px; border-radius: 50%; border: 2px solid #FFB547; opacity: 0; animation: pring 2.8s ease-out infinite; pointer-events: none; }
.pcard .pring.r2 { animation-delay: 1.4s; }
@keyframes pring { 0% { transform: scale(1); opacity: 0.8; } 100% { transform: scale(1.4); opacity: 0; } }
.pcard .pon { position: absolute; right: -1px; bottom: 1px; width: 0.9rem; height: 0.9rem; border-radius: 50%; background: #4ADE80; border: 2px solid #1C1957; animation: pulse-dot 1.8s ease-in-out infinite; }
.pcard .person-top b:not(.pon) { color: #FFFFFF; font-size: 1.2rem; }
.pcard .person-top > div > span { color: #B2AFDD; font-size: 0.875rem; line-height: 1.45; display: block; margin-top: 0.15rem; }
.pchip { justify-self: start; display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.3rem 0.8rem; border-radius: 99px; background: rgba(74, 222, 128, 0.12); border: 1px solid rgba(74, 222, 128, 0.5); color: #86EFAC; font: 700 0.8125rem var(--font-display); }
.pchip i { width: 0.55rem; height: 0.55rem; border-radius: 50%; background: #4ADE80; animation: pulse-dot 1.8s ease-in-out infinite; }
.reach2 { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.6rem; }
.reach2 li { display: flex; flex-wrap: wrap; align-items: center; gap: 0.8rem; padding: 0.7rem 0.8rem; border-radius: 12px; background: rgba(255, 255, 255, 0.05); border: 1px solid #34308A; min-width: 0; transition: border-color 0.25s ease, background 0.25s ease, transform 0.25s ease; }
.reach2 li:hover { border-color: #FFB547; background: rgba(255, 181, 71, 0.08); transform: translateX(4px); }
.ri { flex: none; width: 2.5rem; height: 2.5rem; border-radius: 10px; background: #3B33B0; color: #FFFFFF; display: grid; place-items: center; }
.ri svg { width: 1.35rem; height: 1.35rem; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.ri.ph svg { animation: ringing 3.2s ease-in-out infinite; transform-origin: 50% 60%; }
.ri.pn svg { animation: hop 2s ease-in-out infinite; }
@keyframes ringing { 0%, 55%, 100% { transform: rotate(0); } 60% { transform: rotate(-16deg); } 66% { transform: rotate(14deg); } 72% { transform: rotate(-12deg); } 78% { transform: rotate(10deg); } 84% { transform: rotate(-6deg); } 90% { transform: rotate(0); } }
@keyframes hop { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-3px); } }
.rt2 { display: grid; gap: 0.1rem; min-width: 0; flex: 1 1 11.5rem; }
.rt2 small { color: #A9A6D6; font: 700 0.6875rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; }
.rt2 b { color: #FFFFFF; font: 600 0.9375rem var(--font-body); overflow-wrap: break-word; }
.pcard .btn.small { padding: 0.4rem 0.7rem; font-size: 0.8125rem; }
.pcard .btn.ghost { color: #EEEDFB; border-color: #4A45A8; flex: none; }
.pcard .btn.ghost:hover { border-color: #FFB547; }
.pc-wa { border-color: var(--wa, #25D366); position: relative; overflow: hidden; display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem; background: var(--wa, #25D366); color: var(--wa-ink, #06280F); font-weight: 800; }
.pc-wa .ic { width: 1.3em; height: 1.3em; }
.pc-wa::after { content: ""; position: absolute; top: 0; bottom: 0; width: 38%; left: -60%; background: linear-gradient(100deg, transparent, rgba(255, 255, 255, 0.55), transparent); transform: skewX(-18deg); animation: shine 3.6s ease-in-out infinite; }
@keyframes shine { 0%, 55% { left: -60%; } 100% { left: 130%; } }
.pcard.go .reach2 li { animation: rise-in 0.6s ease backwards; animation-delay: calc(0.25s + var(--i, 0) * 0.12s); }
.pcard.go .person-top, .pcard.go .pchip, .pcard.go .pc-wa { animation: rise-in 0.6s ease backwards; }
.pcard.go .pc-wa { animation-delay: 0.65s; }


/* ---- eligibility check ---- */
.elig { background: var(--bg); }
.el-grid { display: grid; gap: 1.5rem; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 960px) {
  .el-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 0.95fr); gap: 2rem; align-items: start; }
  .el-res { position: sticky; top: 5.75rem; }
}
.el-mini { display: flex; align-items: baseline; justify-content: space-between; gap: 0.75rem; position: sticky; top: 3.7rem; z-index: 4; margin: -0.25rem 0 1.25rem; padding: 0.6rem 0.9rem; border-radius: 12px; background: #1C1957; color: #B2AFDD; font-size: 0.875rem; box-shadow: 0 10px 20px -12px rgba(18, 15, 64, 0.7); }
.el-mini b { color: #FFB547; font: 800 1.25rem var(--font-display); font-variant-numeric: tabular-nums; }
@media (min-width: 960px) { .el-mini { display: none; } }
.el-form .group { margin-bottom: 1.5rem; }
.el-form .group:last-child { margin-bottom: 0; }
.el-leg { margin: 0; font: 800 1.0625rem var(--font-display); }
.elig .ctl { margin-top: 0.4rem; }
.elig .ctl output { color: var(--brand); }
.elig .ctl input[type="range"] { accent-color: var(--brand); }
.elig .ctl .range { color: var(--muted); }
.el-res { position: relative; isolation: isolate; overflow: hidden; display: grid; gap: 1rem; align-content: start; border-radius: 16px; padding: 1.5rem; background: radial-gradient(420px 240px at 100% 0%, rgba(110, 100, 255, 0.32), transparent 70%), linear-gradient(160deg, #1C1957, #120F40); color: #EEEDFB; border: 1px solid #34308A; box-shadow: 0 24px 48px -26px rgba(18, 15, 64, 0.8); }
@media (min-width: 960px) { .el-res { position: sticky; } }
.el-coin { position: absolute; z-index: -1; bottom: -2rem; width: 1.1rem; height: 1.1rem; border-radius: 50%; background: #FFB547; opacity: 0.22; animation: el-rise 9s linear infinite; }
.el-coin.c1 { left: 12%; animation-delay: -1s; } .el-coin.c2 { left: 38%; width: 0.8rem; height: 0.8rem; animation-delay: -4s; } .el-coin.c3 { left: 64%; animation-delay: -6.5s; } .el-coin.c4 { left: 88%; width: 0.7rem; height: 0.7rem; animation-delay: -2.5s; background: #A8A2FF; }
@keyframes el-rise { to { transform: translateY(-26rem); opacity: 0; } }
.el-top { display: flex; align-items: center; gap: 0.8rem; }
.el-ico { width: 3rem; height: 3rem; border-radius: 12px; background: #3B33B0; color: #FFFFFF; display: grid; place-items: center; animation: bob 4s ease-in-out infinite; }
.el-ico svg { width: 1.7rem; height: 1.7rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.el-ico.swap { animation: el-swap 0.5s ease; }
@keyframes el-swap { 0% { transform: scale(0.5) rotate(-20deg); opacity: 0; } 70% { transform: scale(1.12) rotate(4deg); } 100% { transform: none; opacity: 1; } }
.el-lbl { color: #FFB547; font: 700 0.75rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; }
.el-amt { margin: 0; font: 800 clamp(2.5rem, 7vw, 3.6rem) var(--font-display); color: #FFB547; line-height: 1.08; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.el-sub { margin: 0; color: #B2AFDD; min-height: 2.9em; }
.el-bar { display: flex; height: 0.95rem; border-radius: 99px; overflow: hidden; background: #2A2678; }
.el-bar .seg { height: 100%; width: 0; transition: width 0.7s cubic-bezier(0.3, 0.8, 0.3, 1); }
.el-bar .ex, .el-legend .ex { background: #A8A2FF; }
.el-bar .nw, .el-legend .nw { background: #FFB547; }
.el-bar .fr, .el-legend .fr { background: #4ADE80; }
.el-legend { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.45rem; }
.el-legend li { display: flex; align-items: center; gap: 0.6rem; font-size: 0.9375rem; }
.el-legend i { flex: none; width: 0.8rem; height: 0.8rem; border-radius: 3px; }
.el-legend li span { color: #B2AFDD; }
.el-legend b { margin-left: auto; color: #FFFFFF; font-variant-numeric: tabular-nums; }
.el-pill { margin: 0; display: flex; gap: 0.6rem; align-items: flex-start; padding: 0.7rem 0.9rem; border-radius: 10px; font-weight: 600; font-size: 0.9375rem; background: rgba(74, 222, 128, 0.12); border: 1px solid rgba(74, 222, 128, 0.5); color: #BBF7D0; transition: background 0.3s ease, border-color 0.3s ease, color 0.3s ease; }
.el-pill i { flex: none; width: 0.7rem; height: 0.7rem; margin-top: 0.4em; border-radius: 50%; background: #4ADE80; animation: pulse-dot 1.8s ease-in-out infinite; }
.el-pill.mid { background: rgba(255, 181, 71, 0.12); border-color: rgba(255, 181, 71, 0.55); color: #FFE2B0; }
.el-pill.mid i { background: #FFB547; }
.el-pill.bad { background: rgba(251, 113, 133, 0.12); border-color: rgba(251, 113, 133, 0.55); color: #FFD0D7; }
.el-pill.bad i { background: #FB7185; }
.el-act { display: grid; gap: 0.7rem; }
.el-fine { margin: 0; color: #A9A6D6; font-size: 0.8125rem; line-height: 1.5; }
.el-res .btn:not(.ghost) { background: #FFB547; border-color: #FFB547; color: #2B1700; justify-self: start; }
.el-res .btn.ghost { color: #EEEDFB; border-color: #4A45A8; }
.el-lead { display: grid; gap: 0.8rem; }
.el-lead[hidden], .el-done[hidden], .el-act[hidden] { display: none; }
.el-lead-t { margin: 0; font: 800 1.05rem var(--font-display); color: #FFFFFF; }
.el-res .field label { color: #EEEDFB; }
.el-res .err { color: #FFB4BF; }
.el-row { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.el-done { display: grid; gap: 0.7rem; animation: rise-in 0.5s ease backwards; }
.el-done-t { margin: 0; display: flex; align-items: center; gap: 0.5rem; font: 800 1.05rem var(--font-display); color: #4ADE80; }
.el-done .saved { color: #BBF7D0; }
.el-res .el-done .btn { background: #25D366; border-color: #25D366; color: #06280F; }
.elig.go .el-form { animation: rise-in 0.7s ease backwards; }
.elig.go .el-res { animation: rise-in 0.7s ease 0.15s backwards; }
.el-amt.bump { animation: el-bump 0.35s ease; }
@keyframes el-bump { 40% { transform: scale(1.04); } }

/* ---- loan guides ---- */
.guides { background: var(--soft); }
.gd-grid { display: grid; gap: 1.25rem; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 900px) { .gd-grid { grid-template-columns: 17rem minmax(0, 1fr); gap: 1.75rem; align-items: start; } }
.gd-tabs { display: flex; gap: 0.5rem; overflow-x: auto; padding-bottom: 0.4rem; scroll-snap-type: x proximity; -webkit-overflow-scrolling: touch; }
@media (min-width: 900px) { .gd-tabs { flex-direction: column; overflow: visible; padding: 0; position: sticky; top: 5.75rem; } }
.gd-tab { flex: none; scroll-snap-align: start; display: flex; align-items: center; gap: 0.7rem; text-align: left; padding: 0.7rem 0.9rem; border-radius: 12px; border: 1.5px solid var(--line); background: var(--surface); color: var(--ink); font: 700 0.9375rem var(--font-display); cursor: pointer; transition: background 0.25s ease, color 0.25s ease, border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease; }
.gd-tab svg { flex: none; width: 1.5rem; height: 1.5rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; color: var(--brand); transition: transform 0.3s ease, color 0.25s ease; }
.gd-tab:hover { border-color: var(--brand); transform: translateX(3px); }
.gd-tab[aria-selected="true"] { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); box-shadow: 0 14px 26px -16px rgba(59, 51, 176, 0.7); }
.gd-tab[aria-selected="true"] svg { color: var(--accent); transform: scale(1.15) rotate(-6deg); }
.gd-tab:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
.gd-panels { padding: clamp(1.1rem, 3vw, 1.75rem); }
.gd-panel { display: grid; gap: 1.25rem; }
.gd-panel[hidden] { display: none; }
.gd-panel:not([hidden]) .gd-hero { animation: rise-in 0.55s ease backwards; }
.gd-panel:not([hidden]) .gd-facts li { animation: rise-in 0.55s ease backwards; animation-delay: calc(0.12s + var(--i, 0) * 0.09s); }
.gd-panel:not([hidden]) .gd-q { animation: rise-in 0.55s ease backwards; animation-delay: calc(0.35s + var(--i, 0) * 0.1s); }
.gd-panel:not([hidden]) .gd-cta { animation: rise-in 0.55s ease 0.7s backwards; }
.gd-hero { display: grid; gap: 1.1rem; grid-template-columns: 7.5rem minmax(0, 1fr); align-items: center; }
@media (max-width: 520px) { .gd-hero { grid-template-columns: 1fr; } }
.gd-art { width: 7.5rem; height: 7.5rem; border-radius: 22px; background: radial-gradient(circle at 30% 20%, #2F2A8C, #120F40 75%); display: block; overflow: visible; }
.gd-ring { fill: none; stroke: #FFB547; stroke-width: 1.5; opacity: 0.5; transform-box: fill-box; transform-origin: center; animation: gd-ring 2.8s ease-out infinite; }
.gd-ring.r2 { animation-delay: 1.4s; }
@keyframes gd-ring { 0% { transform: scale(1); opacity: 0.7; } 100% { transform: scale(1.75); opacity: 0; } }
.gd-orb { transform-origin: 60px 60px; animation: spin 9s linear infinite; }
.gd-ic { transform-box: fill-box; transform-origin: center; animation: bob 4s ease-in-out infinite; }
.gd-head { display: grid; gap: 0.5rem; min-width: 0; justify-items: start; }
.gd-head h3 { font-size: clamp(1.3rem, 3vw, 1.7rem); font-weight: 800; }
.gd-head p { color: var(--muted); }
.gd-time { display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.25rem 0.7rem; border-radius: 99px; background: var(--hl); color: var(--ink); font: 700 0.75rem var(--font-display); letter-spacing: 0.02em; }
.gd-time svg { width: 1.1rem; height: 1.1rem; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; }
.gd-hand { transform-origin: 12px 12px; animation: spin 5s linear infinite; }
.gd-facts { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 11rem), 1fr)); }
.gd-facts li { display: grid; gap: 0.2rem; padding: 0.8rem 0.9rem; border-radius: 12px; background: var(--bg); border: 1px solid var(--line); border-top: 3px solid var(--accent); min-width: 0; }
.gd-facts small { color: var(--brand); font: 700 0.6875rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; }
.gd-facts b { font: 600 0.9688rem var(--font-body); line-height: 1.35; }
.gd-qa { display: grid; gap: 0.6rem; }
.gd-q { border: 1px solid var(--line); border-radius: 12px; background: var(--bg); transition: border-color 0.25s ease, box-shadow 0.25s ease; }
.gd-q[open] { border-color: var(--brand); box-shadow: 0 12px 24px -18px rgba(59, 51, 176, 0.6); }
.gd-q summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0.9rem 1rem; font: 700 1rem var(--font-display); }
.gd-q summary::-webkit-details-marker { display: none; }
.gd-q summary::after { content: ""; flex: none; width: 0.6rem; height: 0.6rem; border-right: 2.5px solid var(--brand); border-bottom: 2.5px solid var(--brand); transform: rotate(45deg) translateY(-2px); transition: transform 0.3s ease; }
.gd-q[open] summary::after { transform: rotate(225deg) translateY(-2px); }
.gd-q summary:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 12px; }
.gd-a { padding: 0 1rem 1rem; color: var(--muted); }
.gd-q[open] .gd-a { animation: gd-open 0.4s ease; }
@keyframes gd-open { from { opacity: 0; transform: translateY(-8px); } }
.gd-cta { justify-self: start; }


/* ---- eligibility: dark indigo ---- */
.elig { background: var(--deep); color: var(--deep-ink); position: relative; overflow: hidden; }
.elig::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(rgba(168, 162, 255, 0.14) 1.3px, transparent 1.3px) 0 0 / 24px 24px; -webkit-mask-image: linear-gradient(to bottom, #000, transparent 60%); mask-image: linear-gradient(to bottom, #000, transparent 60%); }
.elig .wrap { position: relative; }
.elig h2, .elig .el-leg, .elig legend { color: #FFFFFF; }
.elig .lead { color: var(--deep-mute); }
.elig .el-form { background: var(--deep-card); border: 1px solid var(--deep-line); box-shadow: 0 24px 48px -30px rgba(0, 0, 0, 0.7); }
.elig .gn { background: #FFB547; color: #2B1700; }
.elig .chip span { background: #120F40; border-color: #34308A; color: #EEEDFB; }
.elig .chip:hover span { border-color: #A8A2FF; }
.elig .chip input:checked + span { background: rgba(255, 181, 71, 0.14); border-color: #FFB547; box-shadow: inset 0 0 0 1px #FFB547; color: #FFFFFF; }
.elig .ctl label { color: #EEEDFB; }
.elig .ctl output { color: #FFB547; }
.elig .ctl input[type="range"] { accent-color: #FFB547; }
.elig .ctl .range { color: #A9A6D6; }
.elig .el-res { background: radial-gradient(420px 240px at 100% 0%, rgba(255, 181, 71, 0.16), transparent 70%), linear-gradient(160deg, #2A2678, #171459); border-color: #4A45A8; }
.elig .el-mini { background: #2A2678; border: 1px solid #4A45A8; }
.elig .el-bar { background: #120F40; }


/* ---- icon-style "Send my enquiry" ---- */
.nav-cta { display: inline-flex; align-items: center; gap: 0.5rem; text-decoration: none; background: var(--accent); color: var(--accent-ink); font: 800 0.875rem var(--font-display); padding: 0.5rem 1rem; border-radius: 8px; white-space: nowrap; }
.nc-ic { display: grid; place-items: center; }
.nc-ic svg { width: 1.1rem; height: 1.1rem; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; animation: nc-float 2.6s ease-in-out infinite; }
@keyframes nc-float { 50% { transform: translate(2px, -3px) rotate(-6deg); } }
@keyframes nc-ring { 0% { box-shadow: 0 0 0 0 rgba(243, 154, 30, 0.55); } 70%, 100% { box-shadow: 0 0 0 12px rgba(243, 154, 30, 0); } }
@keyframes nc-go { 40% { transform: translate(14px, -14px) scale(0.6); opacity: 0; } 41% { transform: translate(-14px, 14px) scale(0.6); opacity: 0; } 100% { transform: none; opacity: 1; } }
@media (min-width: 1180px) {
  .nav-cta { flex-direction: column; gap: 0.25rem; background: transparent; color: var(--ink); padding: 0.3rem 0.4rem; border-radius: 12px; margin-left: 0.4rem; font: 700 0.75rem var(--font-display); }
  .nc-ic { width: 2.5rem; height: 2.5rem; border-radius: 12px; background: var(--accent); color: var(--accent-ink); animation: nc-ring 2.6s ease-out infinite; transition: transform 0.25s ease; }
  .nc-ic svg { width: 1.4rem; height: 1.4rem; }
  .nav-cta:hover .nc-ic { transform: translateY(-2px) rotate(-6deg); }
  .nav-cta:hover .nc-ic svg { animation: nc-go 0.7s ease; }
  .nav-cta:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
}

@media (prefers-reduced-motion: reduce) {
  .ps, .ps.on { transition: none; }
  .ps .scan, .ps .conf, .ps .typ { opacity: 0; }
}

html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
section[id] { scroll-margin-top: 4.6rem; }
/* language switch */
.hdr-r { display: flex; align-items: center; gap: 0.45rem; }
.lang { position: relative; }
.lang-btn { display: inline-flex; align-items: center; gap: 0.4rem; background: transparent; border: 1.5px solid var(--line); color: var(--ink); border-radius: 999px; padding: 0.3rem 0.65rem 0.3rem 0.35rem; font: 700 0.8125rem var(--font-display); cursor: pointer; white-space: nowrap; }
.lang-btn:hover { border-color: var(--brand); }
.lang-btn:focus-visible, .lang-menu button:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
.lang .nv-ic { width: 1.8rem; height: 1.8rem; border-radius: 50%; }
.lang-btn.nudge .nv-ic { animation: nc-ring 2.6s ease-out infinite; }
.lang-t { display: grid; }
.lang-t > span { grid-area: 1 / 1; opacity: 0; animation: lang-cyc 6.6s infinite; text-align: left; }
.lang-t > span:nth-child(2) { animation-delay: 2.2s; }
.lang-t > span:nth-child(3) { animation-delay: 4.4s; }
.lang-t.one > span { animation: none; opacity: 1; }
@keyframes lang-cyc { 0% { opacity: 0; transform: translateY(5px); } 6%, 30% { opacity: 1; transform: none; } 36%, 100% { opacity: 0; transform: translateY(-5px); } }
.lang-menu { position: absolute; right: 0; top: calc(100% + 0.5rem); margin: 0; padding: 0.35rem; list-style: none; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 18px 40px -16px rgba(18, 15, 64, 0.45); min-width: 11.5rem; z-index: 40; }
.lang-menu[hidden] { display: none; }
.lang-menu button { width: 100%; display: flex; align-items: center; gap: 0.7rem; background: transparent; border: 0; color: var(--ink); text-align: left; padding: 0.6rem 0.7rem; border-radius: 8px; font: 600 1rem var(--font-body); cursor: pointer; }
.lang-menu button:hover { background: var(--tint); }
.lang-menu button b { display: grid; place-items: center; width: 1.9rem; height: 1.9rem; border-radius: 8px; background: var(--tint); color: var(--brand); font: 800 0.75rem var(--font-display); }
.lang-menu button[aria-checked="true"] { background: var(--tint); }
.lang-menu button[aria-checked="true"] b { background: var(--accent); color: var(--accent-ink); }
@media (max-width: 359px) { .lang-t { display: none; } .lang-btn { padding: 0.3rem; border-radius: 50%; } }
@media (min-width: 1180px) {
  .lang-btn { flex-direction: column; border: 0; gap: 0.25rem; padding: 0.3rem 0.4rem; border-radius: 12px; font: 700 0.75rem var(--font-display); color: var(--muted); }
  .lang-btn:hover { color: var(--ink); }
  .lang .nv-ic { width: 2.5rem; height: 2.5rem; border-radius: 12px; }
  .lang-t { display: grid; }
  .lang-t > span { text-align: center; }
  .lang-btn:hover .nv-ic { background: var(--brand); color: var(--brand-ink); transform: translateY(-2px); }
}
@media (prefers-reduced-motion: reduce) { .lang-t > span { animation: none; } .lang-t > span:first-child { opacity: 1; } .lang-btn.nudge .nv-ic { animation: none; } }
@media (max-width: 479px) {
  .brand { font-size: 1.05rem; gap: 0.5rem; }
  .hdr-r { gap: 0.3rem; }
  .top .wrap { gap: 0.5rem; }
}
@media (max-width: 559px) {
  .nav-cta { padding: 0.5rem; border-radius: 50%; }
  .nav-cta .nc-t { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .nav-cta .nc-ic svg { width: 1.3rem; height: 1.3rem; }
  .nav-cta { animation: nc-ring 2.6s ease-out infinite; }
}
/* Gujarati and Hindi: own fonts, looser spacing */
html[lang="gu"] { --font-display: "Noto Sans Gujarati", "Sora", system-ui, sans-serif; --font-body: "Noto Sans Gujarati", "Public Sans", system-ui, sans-serif; }
html[lang="hi"] { --font-display: "Noto Sans Devanagari", "Sora", system-ui, sans-serif; --font-body: "Noto Sans Devanagari", "Public Sans", system-ui, sans-serif; }
html[lang="gu"] body, html[lang="hi"] body { line-height: 1.7; }
html[lang="gu"] h1, html[lang="gu"] h2, html[lang="gu"] h3, html[lang="hi"] h1, html[lang="hi"] h2, html[lang="hi"] h3 { line-height: 1.35; letter-spacing: 0; }
html[lang="gu"] .brand, html[lang="hi"] .brand { font-family: "Sora", sans-serif; }
html[lang="gu"] .nav a, html[lang="hi"] .nav a, html[lang="gu"] .nav-cta, html[lang="hi"] .nav-cta { letter-spacing: 0; }
html[lang="gu"] { font-size: 112%; }
html[lang="hi"] { font-size: 110%; }
html[lang="gu"] .nav a, html[lang="hi"] .nav a, html[lang="gu"] .lang-btn, html[lang="hi"] .lang-btn { font-size: 0.68rem; }
html[lang="gu"] .wm b, html[lang="hi"] .wm b { font-size: 1.2rem; }
html[lang="gu"] .label, html[lang="hi"] .label { letter-spacing: 0.02em; text-transform: none; }

/* ===== service pages ===== */
.ft-links { display: flex; flex-wrap: wrap; gap: 0.4rem 1.4rem; }
.ft-links a { color: var(--band-ink); text-decoration: none; font-size: 0.9rem; }
.ft-links a:hover { text-decoration: underline; }
.ask-row { display: flex; flex-wrap: wrap; align-items: center; gap: 0.4rem 1.2rem; margin-top: auto; }
.ask-row .ask { margin-top: 0; }
.type .more { color: var(--deep-mute); font: 600 0.875rem var(--font-display); text-decoration: none; }
.type .more:hover { color: #FFFFFF; text-decoration: underline; }
.sp-crumb { display: flex; flex-wrap: wrap; gap: 0.4rem; font: 600 0.8125rem var(--font-body); color: var(--deep-mute); }
.sp-crumb a { color: var(--deep-mute); text-decoration: none; }
.sp-crumb a:hover { color: #FFFFFF; text-decoration: underline; }
.sp-tag { font: 700 1.2rem var(--font-display); color: #FFFFFF; }
.sp-art { display: grid; gap: 1.1rem; justify-items: center; }
.sp-orb { position: relative; width: min(100%, 20rem); aspect-ratio: 1; border-radius: 50%; display: grid; place-items: center; background: radial-gradient(circle at 50% 40%, #2A2678, #1C1957 72%); border: 1px solid var(--deep-line); }
.sp-orb::before { content: ""; position: absolute; inset: -14px; border-radius: 50%; border: 1.5px dashed #34308A; animation: spin 40s linear infinite; }
.sp-orb .ill { width: 10.5rem; height: 10.5rem; border-radius: 32px; margin: 0; animation: bob 5s ease-in-out infinite; }
.sp-orb .ill svg { width: 7.5rem; height: 7.5rem; }
.sp-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.6rem; width: 100%; }
.sp-tile { background: rgba(255, 255, 255, 0.06); border: 1px solid var(--deep-line); border-radius: 12px; padding: 0.7rem 0.8rem; }
.sp-tile small { display: block; font: 700 0.625rem var(--font-display); letter-spacing: 0.09em; text-transform: uppercase; color: #FFB547; margin-bottom: 0.25rem; }
.sp-tile b { font: 600 0.875rem var(--font-body); color: #FFFFFF; line-height: 1.35; }
.sp-soft { background: var(--soft); }
.sp-two { display: grid; gap: 2rem; grid-template-columns: 1fr; align-items: start; }
@media (min-width: 900px) { .sp-two { grid-template-columns: 1.15fr 0.85fr; gap: 3rem; } }
.sp-prose { display: grid; gap: 1rem; }
.sp-prose p { color: var(--muted); font-size: 1.0625rem; max-width: 64ch; }
.sp-note { background: var(--tint); color: var(--ink); border-radius: 12px; padding: 1.1rem 1.25rem; font-size: 0.9688rem; border-left: 4px solid var(--accent); }
.sp-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; }
.sp-list li { display: flex; gap: 0.7rem; align-items: flex-start; color: var(--ink); }
.sp-list .ic { flex: none; width: 1.2rem; height: 1.2rem; margin-top: 0.22rem; color: var(--ok); fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.sp-card { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 1.3rem; }
.sp-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.9rem; }
.sp-docs { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(16rem, 1fr)); }
.sp-docs .sp-list li { font-size: 0.9688rem; }
.sp-two2 { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(17rem, 1fr)); }
.sp-steps { counter-reset: st; list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(11.5rem, 1fr)); }
.sp-steps li { counter-increment: st; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 1.2rem; display: grid; gap: 0.5rem; align-content: start; }
.sp-steps li::before { content: counter(st); width: 2rem; height: 2rem; border-radius: 50%; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; font: 800 0.9rem var(--font-display); }
.sp-steps h3 { font-size: 1rem; font-weight: 700; }
.sp-steps p { color: var(--muted); font-size: 0.9375rem; }
.sp-calc { background: var(--deep); color: var(--deep-ink); border-radius: 16px; padding: clamp(1.25rem, 3vw, 2rem); display: grid; gap: 1.75rem; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .sp-calc { grid-template-columns: 1fr 1fr; gap: 2.5rem; } }
.sp-ctls { display: grid; gap: 1.25rem; }
.sp-ctl label { display: flex; justify-content: space-between; gap: 1rem; font: 600 0.9375rem var(--font-body); color: var(--deep-ink); }
.sp-ctl output { font: 800 1rem var(--font-display); color: #FFB547; }
.sp-ctl input[type="range"] { width: 100%; accent-color: #FFB547; height: 1.75rem; margin: 0; }
.sp-res { display: grid; gap: 0.7rem; }
.sp-res > span { color: var(--deep-mute); font-size: 0.9rem; }
.sp-emi { font: 800 clamp(2rem, 5vw, 2.7rem) var(--font-display); color: #FFB547; line-height: 1.1; }
.sp-bar { display: flex; height: 12px; border-radius: 99px; overflow: hidden; background: #34308A; }
.sp-bar i { display: block; height: 100%; transition: width 0.35s ease; }
.sp-bar i:first-child { background: #A8A2FF; }
.sp-bar i:last-child { background: #FFB547; }
.sp-res dl { margin: 0; display: grid; gap: 0.4rem; }
.sp-res dl div { display: flex; justify-content: space-between; gap: 1rem; font-size: 0.9375rem; color: var(--deep-mute); }
.sp-res dd { margin: 0; font-weight: 700; color: #FFFFFF; }
.sp-res .sp-eg { color: var(--deep-mute); font-size: 0.8125rem; }
.sp-dark { background: var(--deep); color: var(--deep-ink); }
.sp-dark h2 { color: #FFFFFF; }
.sp-dark .lead { color: var(--deep-mute); }
.sp-rel { display: grid; gap: 0.8rem; grid-template-columns: repeat(auto-fill, minmax(15rem, 1fr)); }
.sp-rel a { display: flex; align-items: center; gap: 0.85rem; background: var(--deep-card); border: 1px solid var(--deep-line); border-radius: 12px; padding: 0.8rem; text-decoration: none; color: var(--deep-ink); font: 700 0.9688rem var(--font-display); transition: border-color 0.25s ease, transform 0.25s ease; }
.sp-rel a:hover { border-color: #FFB547; transform: translateY(-3px); }
.sp-rel .ill { width: 3.4rem; height: 3.4rem; margin: 0; flex: none; border-radius: 12px; }
.sp-rel .ill svg { width: 2.4rem; height: 2.4rem; }
.sp-cta { background: var(--brand); color: var(--brand-ink); }
.sp-cta .wrap { display: grid; gap: 1rem; justify-items: start; }
.sp-cta h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; color: inherit; }
.sp-cta p { max-width: 56ch; opacity: 0.92; }
.sp-cta .btn.ghost { color: var(--brand-ink); border-color: currentColor; }
.sp-cta .btn.ghost:hover { border-color: var(--accent); }
@media (prefers-reduced-motion: reduce) { .sp-orb::before, .sp-orb .ill { animation: none; } }