/* ============================================================
   DESIGN SYSTEM — tokens (CSS variables + reusable .ds-* classes)
============================================================ */
:root {
    /* Spacing — 8px scale */
    --space-8: 0.5rem;   /* 8px */
    --space-16: 1rem;    /* 16px */
    --space-24: 1.5rem;  /* 24px */
    --space-32: 2rem;    /* 32px */
    --space-48: 3rem;    /* 48px */
    --space-64: 4rem;    /* 64px */
    --section-padding-y: calc(var(--space-64) * 2 - var(--space-8)); /* 120px, composed from scale */

    /* Typography */
    --font-size-h1: 3rem;      /* 48px */
    --font-size-h2: 2rem;      /* 32px */
    --font-size-h3: 1.5rem;    /* 24px */
    --font-size-body: 1rem;    /* 16px */
    --line-height-h1: 1.15;
    --line-height-h2: 1.22;
    --line-height-h3: 1.3;
    --line-height-body: 1.625;
    --font-weight-heading: 800;

    /* Primary palette (brand navy) */
    --color-primary-900: #0f1e35;
    --color-primary-800: #1e3560;
    --color-primary-700: #1b2d4f;
    --color-primary-600: #243d6b;

    /* Secondary palette (brand teal) */
    --color-secondary-700: #0fb3bd;
    --color-secondary-600: #17c3ce;
    --color-secondary-500: #2ecbd4;
    --color-secondary-100: rgba(23, 195, 206, 0.12);

    /* Neutral palette */
    --color-neutral-0: #ffffff;
    --color-neutral-50: #f8fafc;
    --color-neutral-100: #f0f4f8;
    --color-neutral-200: #e2e8f0;
    --color-neutral-300: #cbd5e1;
    --color-neutral-400: #94a3b8;
    --color-neutral-500: #64748b;
    --color-neutral-600: #475569;
    --color-neutral-700: #334155;
    --color-neutral-800: #2d3748;
    --color-neutral-900: #1e293b;

    /* Semantic aliases (existing components) */
    --primary: var(--color-primary-700);
    --primary-dark: var(--color-primary-900);
    --primary-mid: var(--color-primary-800);
    --accent: var(--color-secondary-600);
    --accent-dark: var(--color-secondary-700);
    --accent-light: rgba(23, 195, 206, 0.15);
    --white: var(--color-neutral-0);
    --surface: var(--color-neutral-0);
    --surface-muted: #eef1f7;
    --light: #f5f8ff;
    --gray-100: var(--color-neutral-100);
    --gray-200: var(--color-neutral-200);
    --gray-400: var(--color-neutral-400);
    --gray-600: var(--color-neutral-500);
    --gray-800: var(--color-neutral-700);
    --text-main: var(--color-neutral-800);
    --text-muted: #718096;

    /* Elevation — 3 levels */
    --shadow-elev-1: 0 1px 2px rgba(27, 45, 79, 0.05), 0 4px 12px rgba(27, 45, 79, 0.06);
    --shadow-elev-2: 0 4px 16px rgba(27, 45, 79, 0.08), 0 12px 32px rgba(27, 45, 79, 0.1);
    --shadow-elev-3: 0 8px 24px rgba(27, 45, 79, 0.1), 0 24px 48px rgba(27, 45, 79, 0.14);
    --shadow-sm: var(--shadow-elev-1);
    --shadow-md: var(--shadow-elev-2);
    --shadow-lg: var(--shadow-elev-3);
    --shadow-card: var(--shadow-elev-2);

    /* Border radius */
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 32px;

    --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
    --ease-soft: cubic-bezier(0.33, 1, 0.68, 1);
    --transition: 0.35s var(--ease-out);
    --transition-fast: 0.2s var(--ease-out);
    --duration-hover: 0.25s;
    --prose-width: 38rem;
    --font-main: 'Source Sans 3', system-ui, sans-serif;
    --font-heading: 'Plus Jakarta Sans', system-ui, sans-serif;
    --container: 1320px;

    /* Buttons — token hooks */
    --btn-primary-bg: var(--color-primary-700);
    --btn-primary-bg-hover: var(--color-primary-900);
    --btn-primary-fg: var(--color-neutral-0);
    --btn-secondary-bg: var(--color-neutral-0);
    --btn-secondary-bg-hover: var(--color-neutral-50);
    --btn-secondary-fg: var(--color-primary-700);
    --btn-secondary-border: var(--color-neutral-300);
    --btn-secondary-border-hover: var(--color-secondary-600);
  }

  @media (max-width: 576px) {
    :root {
      --font-size-h1: 2.25rem;  /* 36px */
      --font-size-h2: 1.75rem;  /* 28px */
      --font-size-h3: 1.375rem; /* 22px */
    }
  }
  
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  
  html {
    scroll-behavior: smooth;
    font-size: 100%;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
  }
  
  body {
    font-family: var(--font-main);
    font-size: var(--font-size-body);
    color: var(--text-main);
    background: var(--white);
    line-height: var(--line-height-body);
    font-weight: 400;
    overflow-x: hidden;
    font-feature-settings: "kern" 1, "liga" 1;
  }
  h1, h2, h3, h4 {
    font-family: var(--font-heading);
    hyphens: none;
    -webkit-hyphens: none;
    word-break: normal;
    overflow-wrap: normal;
  }
  h1 {
    font-size: var(--font-size-h1);
    line-height: var(--line-height-h1);
    font-weight: var(--font-weight-heading);
    letter-spacing: -0.03em;
    color: var(--primary);
  }
  h2 {
    font-size: var(--font-size-h2);
    line-height: var(--line-height-h2);
    font-weight: var(--font-weight-heading);
    letter-spacing: -0.025em;
    color: var(--primary);
  }
  h3 {
    font-size: var(--font-size-h3);
    line-height: var(--line-height-h3);
    font-weight: 700;
    letter-spacing: -0.02em;
    color: var(--primary);
  }
  h4 {
    font-size: clamp(1.0625rem, 0.4vw + 1rem, 1.125rem);
    line-height: 1.35;
    font-weight: 700;
    letter-spacing: -0.015em;
    color: var(--primary);
  }
  
  img { display: block; max-width: 100%; height: auto; }
  a { text-decoration: none; color: inherit; }
  a:focus-visible,
  .btn:focus-visible,
  .nav-link:focus-visible,
  .accordion-header:focus-visible {
    outline: 2px solid var(--accent);
    outline-offset: 3px;
  }
  .btn:focus-visible { outline-offset: 4px; }
  ul { list-style: none; }
  button { cursor: pointer; border: none; background: none; font-family: inherit; }
  
  /* ============================================================
     CONTAINER
  ============================================================ */
  .container {
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 var(--space-48);
  }
  .visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }
  
  /* ============================================================
     UTILITY
  ============================================================ */
  .section { padding: var(--section-padding-y) 0; }
  .section--surface { background-color: var(--surface); }
  .section--surface-muted { background-color: var(--surface-muted); }
  .section-label {
    font-family: var(--font-heading);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--accent);
    margin-bottom: 14px;
    display: block;
  }
  .section-label.light { color: var(--accent); }
  .section-title {
    font-family: var(--font-heading);
    font-size: clamp(1.625rem, 1.2vw + 1.25rem, var(--font-size-h2));
    font-weight: var(--font-weight-heading);
    color: var(--primary);
    line-height: var(--line-height-h2);
    letter-spacing: -0.03em;
    margin-bottom: var(--space-16);
    hyphens: none;
    word-break: normal;
    overflow-wrap: normal;
    text-wrap: unset;
  }
  .section-title.light { color: var(--white); }
  .section-sub {
    color: var(--text-muted);
    font-size: 17px;
    font-weight: 400;
    max-width: min(36rem, 92vw);
    margin: 0 auto 52px;
    line-height: 1.65;
  }
  .section-header.center {
    text-align: center;
    max-width: 44rem;
    margin-left: auto;
    margin-right: auto;
  }
  .section-header.center .section-label { margin-bottom: 12px; }
  .section-header.center .section-title { margin-bottom: 14px; }
  .section-header.center .section-sub { margin-bottom: 48px; }
  .section-header:not(.center) .section-sub {
    margin-left: 0;
    margin-right: 0;
    max-width: var(--prose-width);
  }
  .section-header.space-between {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: var(--space-24) var(--space-32);
    margin-bottom: calc(var(--space-48) + var(--space-8));
    max-width: none;
  }
  .section-header.space-between > div:first-child { min-width: 0; flex: 1; }
  .section-header.space-between .btn { flex-shrink: 0; align-self: flex-end; }

  /* ── Design system: spacing utilities (.ds-*) ── */
  .ds-p-8 { padding: var(--space-8); }
  .ds-p-16 { padding: var(--space-16); }
  .ds-p-24 { padding: var(--space-24); }
  .ds-p-32 { padding: var(--space-32); }
  .ds-p-48 { padding: var(--space-48); }
  .ds-p-64 { padding: var(--space-64); }
  .ds-px-8 { padding-left: var(--space-8); padding-right: var(--space-8); }
  .ds-px-16 { padding-left: var(--space-16); padding-right: var(--space-16); }
  .ds-px-24 { padding-left: var(--space-24); padding-right: var(--space-24); }
  .ds-py-8 { padding-top: var(--space-8); padding-bottom: var(--space-8); }
  .ds-py-16 { padding-top: var(--space-16); padding-bottom: var(--space-16); }
  .ds-py-24 { padding-top: var(--space-24); padding-bottom: var(--space-24); }
  .ds-py-32 { padding-top: var(--space-32); padding-bottom: var(--space-32); }
  .ds-mb-8 { margin-bottom: var(--space-8); }
  .ds-mb-16 { margin-bottom: var(--space-16); }
  .ds-mb-24 { margin-bottom: var(--space-24); }
  .ds-mb-32 { margin-bottom: var(--space-32); }
  .ds-mb-48 { margin-bottom: var(--space-48); }
  .ds-mt-8 { margin-top: var(--space-8); }
  .ds-mt-16 { margin-top: var(--space-16); }
  .ds-mt-24 { margin-top: var(--space-24); }
  .ds-mt-32 { margin-top: var(--space-32); }
  .ds-gap-8 { gap: var(--space-8); }
  .ds-gap-16 { gap: var(--space-16); }
  .ds-gap-24 { gap: var(--space-24); }
  .ds-gap-32 { gap: var(--space-32); }
  .ds-stack-16 > * + * { margin-top: var(--space-16); }
  .ds-stack-24 > * + * { margin-top: var(--space-24); }
  .ds-stack-32 > * + * { margin-top: var(--space-32); }

  /* Typography utilities */
  .ds-text-h1 {
    font-family: var(--font-heading);
    font-size: var(--font-size-h1);
    line-height: var(--line-height-h1);
    font-weight: var(--font-weight-heading);
    letter-spacing: -0.03em;
    color: var(--primary);
  }
  .ds-text-h2 {
    font-family: var(--font-heading);
    font-size: var(--font-size-h2);
    line-height: var(--line-height-h2);
    font-weight: var(--font-weight-heading);
    letter-spacing: -0.025em;
    color: var(--primary);
  }
  .ds-text-h3 {
    font-family: var(--font-heading);
    font-size: var(--font-size-h3);
    line-height: var(--line-height-h3);
    font-weight: 700;
    letter-spacing: -0.02em;
    color: var(--primary);
  }
  .ds-text-body {
    font-size: var(--font-size-body);
    line-height: var(--line-height-body);
    color: var(--text-main);
  }

  /* Elevation & radius utilities */
  .ds-elev-1 { box-shadow: var(--shadow-elev-1); }
  .ds-elev-2 { box-shadow: var(--shadow-elev-2); }
  .ds-elev-3 { box-shadow: var(--shadow-elev-3); }
  .ds-rounded-sm { border-radius: var(--radius-sm); }
  .ds-rounded-md { border-radius: var(--radius-md); }
  .ds-rounded-lg { border-radius: var(--radius-lg); }
  
  /* ============================================================
     BUTTONS
  ============================================================ */
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-8);
    font-family: var(--font-heading);
    font-weight: 600;
    border-radius: 50px;
    transition:
      background-color var(--duration-hover) var(--ease-out),
      border-color var(--duration-hover) var(--ease-out),
      color var(--duration-hover) var(--ease-out),
      box-shadow var(--duration-hover) var(--ease-out),
      transform var(--transition-fast);
    cursor: pointer;
    border: 2px solid transparent;
    white-space: nowrap;
  }
  .btn-primary {
    background: var(--btn-primary-bg);
    color: var(--btn-primary-fg);
    border-color: var(--btn-primary-bg);
  }
  .btn-primary:hover {
    background: var(--btn-primary-bg-hover);
    border-color: var(--btn-primary-bg-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-elev-2);
  }
  .btn-primary:active,
  .btn-secondary:active,
  .btn-accent:active,
  .btn-outline:active { transform: translateY(0); transition-duration: 0.1s; }
  .btn-secondary {
    background: var(--btn-secondary-bg);
    color: var(--btn-secondary-fg);
    border-color: var(--btn-secondary-border);
  }
  .btn-secondary:hover {
    background: var(--btn-secondary-bg-hover);
    border-color: var(--btn-secondary-border-hover);
    color: var(--color-primary-900);
    transform: translateY(-2px);
    box-shadow: var(--shadow-elev-1);
  }
  .btn-accent {
    background: var(--accent);
    color: var(--white);
    border-color: var(--accent);
  }
  .btn-accent:hover {
    background: var(--accent-dark);
    border-color: var(--accent-dark);
    transform: translateY(-2px);
    box-shadow: 0 var(--space-8) var(--space-24) rgba(23, 195, 206, 0.35);
  }
  .btn-outline {
    background: transparent;
    color: var(--primary);
    border-color: var(--primary);
  }
  .btn-outline:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-elev-1);
  }
  .btn-sm { padding: 10px 22px; font-size: 0.8125rem; }
  .btn-md { padding: 14px 32px; font-size: 0.9375rem; }
  .btn-lg { padding: 17px 42px; font-size: var(--font-size-body); }
  .btn-block { display: flex; width: 100%; margin-top: var(--space-16); }
  
  /* ============================================================
     HEADER
  ============================================================ */
  .header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 1px 0 rgba(27, 45, 79, 0.06);
    transition: box-shadow var(--transition), background var(--transition);
  }
  .header.scrolled {
    background: rgba(255, 255, 255, 0.95);
    box-shadow: 0 8px 32px rgba(27, 45, 79, 0.08);
  }
  .header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
    gap: 32px;
  }
  .logo {
    display: flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    color: var(--primary);
    flex-shrink: 0;
  }
  .logo-img {
    height: 44px;
    width: auto;
    object-fit: contain;
    display: block;
  }
  .logo-icon { color: var(--accent); font-size: 22px; }
  .logo-accent { color: var(--accent); }
  .logo-light { color: var(--white); }
  .logo-light .logo-text { color: var(--white); }
  
  .nav { flex: 1; display: flex; justify-content: center; }
  .nav-list {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
  }
  .nav-list > li {
    flex-shrink: 0;
  }
  .nav-link {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 8px 16px;
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.01em;
    color: var(--primary-mid);
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    position: relative;
  }
  .nav-link:hover, .nav-link.active { color: var(--accent); }
  .nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0; left: 14px; right: 14px;
    height: 2px;
    background: var(--accent);
    border-radius: 2px;
  }
  .arrow { font-size: 10px; }
  
  .nav-dropdown { position: relative; }
  .dropdown-menu {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 180px;
    padding: 8px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: all var(--transition);
    z-index: 100;
  }
  .nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
  .dropdown-menu li a {
    display: block;
    padding: 10px 20px;
    font-size: 14px;
    color: var(--text-main);
    transition: all var(--transition);
  }
  .dropdown-menu li a:hover { color: var(--accent); background: var(--accent-light); padding-left: 28px; }
  .dropdown-menu li a.active { color: var(--accent); background: var(--accent-light); }
  
  .nav-cta {
    flex-shrink: 0;
    max-width: 220px;
    line-height: 1.25;
    white-space: normal;
    text-align: center;
    padding: 10px 14px;
    font-size: 12px;
  }
  .hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 4px;
  }
  .hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--primary);
    border-radius: 2px;
    transition: all var(--transition);
  }
  .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
  .hamburger.open span:nth-child(2) { opacity: 0; }
  .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }
  
  /* ============================================================
     HERO SECTION
  ============================================================ */
  @keyframes hero-fade-up {
    from {
      opacity: 0;
      transform: translateY(14px);
    }
    to {
      opacity: 1;
      transform: translateY(0);
    }
  }
  .hero {
    /* CTA fill per spec #00BFA6; label #042f2e meets WCAG AA (4.5:1+) on this teal */
    --hero-cta-bg: #00bfa6;
    --hero-cta-hover: #009688;
    --hero-cta-text: #042f2e;
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding-top: 80px;
    overflow: hidden;
    background-color: #0a1628;
    background-image: url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?w=1600&q=80');
    background-position: center;
    background-size: cover;
    background-repeat: no-repeat;
  }
  .hero-overlay {
    position: absolute;
    inset: 0;
    z-index: 0;
    background: linear-gradient(90deg, rgba(0, 0, 0, 0.7), rgba(0, 0, 0, 0.3));
    pointer-events: none;
  }
  .hero-container {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
  }
  .hero-inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(280px, 400px);
    align-items: center;
    gap: 24px;
    padding: 80px 0;
  }
  .hero-content {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 24px;
    max-width: 36rem;
    color: #ffffff;
  }
  .hero-eyebrow {
    margin: 0;
    font-family: var(--font-heading);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #5eead4;
  }
  .hero-title {
    margin: 0;
    font-family: var(--font-heading);
    font-size: clamp(var(--font-size-h2), 4.2vw, var(--font-size-h1));
    font-weight: var(--font-weight-heading);
    line-height: var(--line-height-h1);
    letter-spacing: -0.03em;
    color: #ffffff;
    text-shadow: 0 2px 24px rgba(0, 0, 0, 0.35);
    hyphens: none;
    word-break: normal;
    overflow-wrap: normal;
    text-wrap: unset;
    opacity: 0;
    animation: hero-fade-up 0.65s var(--ease-out) 0.05s forwards;
  }
  .hero-title__line {
    display: block;
  }
  .hero-title__line + .hero-title__line {
    margin-top: 0.08em;
  }
  .hero-sub {
    margin: 0;
    max-width: 32rem;
    font-size: clamp(16px, 1.1vw, 18px);
    line-height: 1.55;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.8);
    opacity: 0;
    animation: hero-fade-up 0.65s var(--ease-out) 0.18s forwards;
  }
  .hero-cta-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin: 0;
    padding: 12px 24px;
    border-radius: 8px;
    border: none;
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 700;
    line-height: 1.25;
    text-decoration: none;
    color: var(--hero-cta-text);
    background-color: var(--hero-cta-bg);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
    cursor: pointer;
    opacity: 0;
    animation: hero-fade-up 0.65s var(--ease-out) 0.32s forwards;
    transition: background-color var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
  }
  .hero-cta-primary:hover {
    background-color: var(--hero-cta-hover);
    color: #ffffff;
    transform: scale(1.02);
    box-shadow: 0 6px 22px rgba(0, 150, 136, 0.45);
  }
  .hero-cta-primary:focus-visible {
    outline: 3px solid #ffffff;
    outline-offset: 2px;
  }
  .hero-cta-primary:active {
    transform: scale(0.99);
  }
  .hero-card-wrap {
    width: 100%;
    max-width: 400px;
    justify-self: end;
    padding: 20px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    box-shadow: 0 20px 48px rgba(0, 0, 0, 0.25);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
  }
  @supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
    .hero-card-wrap {
      background: rgba(15, 25, 45, 0.92);
    }
  }
  .hero-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-heading);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--accent);
    margin-bottom: 22px;
  }
  .hero-label::before {
    content: '';
    display: block;
    width: 30px;
    height: 2px;
    background: var(--accent);
  }
  .hero-dots {
    position: absolute;
    z-index: 1;
    width: 200px;
    height: 200px;
    background-image: radial-gradient(circle, rgba(0, 191, 166, 0.2) 1.5px, transparent 1.5px);
    background-size: 20px 20px;
    pointer-events: none;
  }
  .hero-dots-left { bottom: 60px; left: 0; }
  .hero-dots-right { top: 100px; right: clamp(16px, 6vw, 80px); opacity: 0.5; }
  @media (prefers-reduced-motion: reduce) {
    .hero-title,
    .hero-sub,
    .hero-cta-primary {
      animation: none;
      opacity: 1;
      transform: none;
    }
    .hero-cta-primary:hover,
    .hero-cta-primary:active {
      transform: none;
    }
  }
  
  /* LOAN CALCULATOR CARD */
  .loan-calc-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 30px 30px 26px;
    box-shadow: var(--shadow-card);
    border: 1px solid rgba(27, 45, 79, 0.06);
    position: relative;
  }
  .loan-calc-card--enhanced {
    display: flex;
    flex-direction: column;
    padding: 24px 24px 0;
    border-radius: 16px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    border: 1px solid rgba(27, 45, 79, 0.08);
  }
  .loan-calc-card--enhanced::before {
    left: 24px;
    right: 24px;
  }
  .hero-card-wrap .loan-calc-card--enhanced {
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12), 0 4px 12px rgba(8, 16, 35, 0.08);
  }
  /* Standalone EMI block on loan product pages (same card as home hero) */
  .loan-page-emicalc {
    background: var(--surface-muted);
  }
  .loan-page-emicalc__wrap {
    width: 100%;
    max-width: 400px;
    margin: 0 auto;
  }
  .loan-calc-card__body {
    flex: 1 1 auto;
    min-height: 0;
  }
  .loan-calc-card__sticky-cta {
    position: sticky;
    bottom: 0;
    z-index: 2;
    margin: 20px -24px 0;
    padding: 16px 24px 20px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0) 0%, #fff 28%);
    border-top: 1px solid var(--gray-200);
    border-radius: 0 0 16px 16px;
    box-shadow: 0 -10px 24px rgba(27, 45, 79, 0.06);
  }
  .calc-eligibility-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    padding: 14px 20px;
    border-radius: 10px;
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 700;
    text-align: center;
    text-decoration: none;
    color: #ffffff;
    background: var(--accent);
    border: 2px solid var(--accent);
    transition: background-color var(--transition-fast), border-color var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
    box-shadow: 0 4px 14px rgba(23, 195, 206, 0.35);
  }
  .calc-eligibility-btn:hover {
    background: var(--accent-dark);
    border-color: var(--accent-dark);
    color: #ffffff;
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(23, 195, 206, 0.4);
  }
  .calc-eligibility-btn:focus-visible {
    outline: 3px solid var(--primary);
    outline-offset: 2px;
  }
  .loan-calc-card::before {
    content: '';
    position: absolute;
    top: -4px; left: 20px; right: 20px;
    height: 4px;
    background: linear-gradient(90deg, var(--accent), var(--primary));
    border-radius: 4px 4px 0 0;
  }
  .calc-title {
    font-family: var(--font-heading);
    font-size: 19px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 22px;
    text-align: center;
    letter-spacing: -0.025em;
  }
  .loan-calc-card--enhanced .calc-title {
    margin-bottom: 20px;
  }
  .calc-footnote {
    margin: 14px 0 0;
    font-size: 11px;
    line-height: 1.45;
    color: var(--gray-600);
    text-align: center;
  }
  .loan-calc-card--enhanced .calc-footnote {
    margin-top: 12px;
    margin-bottom: 4px;
  }
  .calc-field {
    margin-bottom: 20px;
    padding: 12px 12px 14px;
    margin-left: -12px;
    margin-right: -12px;
    border-radius: var(--radius-md);
    border: 1px solid transparent;
    transition: border-color 0.2s var(--ease-out), background-color 0.2s var(--ease-out), box-shadow 0.2s var(--ease-out);
  }
  .calc-field--active {
    border-color: rgba(23, 195, 206, 0.45);
    background: rgba(23, 195, 206, 0.06);
    box-shadow: 0 0 0 1px rgba(23, 195, 206, 0.12);
  }
  .calc-field label,
  .calc-label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-600);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
  }
  .calc-value-above {
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    margin-bottom: 10px;
    line-height: 1.2;
  }
  .calc-number-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-top: 10px;
  }
  .calc-num-input {
    flex: 1;
    min-width: 0;
    padding: 10px 12px;
    font-size: 15px;
    font-family: var(--font-main);
    color: var(--primary);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    background: var(--white);
    transition: border-color 0.2s var(--ease-out), box-shadow 0.2s var(--ease-out);
  }
  .calc-num-input--narrow {
    flex: 0 1 6rem;
    max-width: 7rem;
  }
  .calc-num-input:hover {
    border-color: var(--gray-400);
  }
  .calc-field--active .calc-num-input {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(23, 195, 206, 0.15);
  }
  .calc-num-input:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(23, 195, 206, 0.2);
  }
  .calc-num-hint {
    flex-shrink: 0;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
  }
  .slider-row {
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .slider {
    flex: 1;
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 8px;
    border-radius: 8px;
    background: linear-gradient(90deg, var(--accent) var(--pct, 0%), var(--gray-200) var(--pct, 0%));
    outline: none;
    cursor: pointer;
    transition: background 0.15s ease;
  }
  .slider::-webkit-slider-runnable-track {
    height: 8px;
    border-radius: 8px;
  }
  .slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    margin-top: -7px;
    border-radius: 50%;
    background: var(--accent);
    border: 3px solid #ffffff;
    box-shadow: 0 2px 8px rgba(27, 45, 79, 0.2);
    cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.15s ease;
  }
  .slider:hover::-webkit-slider-thumb,
  .slider:focus-visible::-webkit-slider-thumb {
    transform: scale(1.06);
    box-shadow: 0 2px 12px rgba(23, 195, 206, 0.45);
  }
  .slider::-moz-range-track {
    height: 8px;
    border-radius: 8px;
    background: var(--gray-200);
  }
  .slider::-moz-range-progress {
    height: 8px;
    border-radius: 8px;
    background: var(--accent);
  }
  .slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--accent);
    border: 3px solid #ffffff;
    box-shadow: 0 2px 8px rgba(27, 45, 79, 0.2);
    cursor: pointer;
    transition: transform 0.15s ease;
  }
  .slider:hover::-moz-range-thumb {
    transform: scale(1.06);
  }
  .slider:focus-visible {
    outline: none;
  }
  .slider:focus-visible::-webkit-slider-thumb {
    outline: 2px solid var(--primary);
    outline-offset: 2px;
  }
  .slider-val {
    flex-shrink: 0;
    min-width: 6.25rem;
    text-align: right;
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
  }
  .calc-summary {
    background: var(--light);
    border-radius: var(--radius-md);
    padding: 16px;
    margin-bottom: 8px;
  }
  .loan-calc-card--enhanced .calc-summary {
    margin-top: 8px;
  }
  .calc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    padding: 6px 0;
    font-size: 14px;
    border-bottom: 1px solid var(--gray-200);
  }
  .calc-row:last-child { border-bottom: none; }
  .calc-val { font-weight: 700; color: var(--primary); }
  .calc-val.highlight { color: var(--accent); font-size: 16px; }

  /* EMI calculator — principal vs interest break-up (donut + bar + legend) */
  .calc-breakup {
    margin-top: var(--space-16);
    padding: var(--space-24);
    background: var(--gray-100);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
  }
  .calc-breakup__title {
    margin: 0 0 var(--space-16);
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    text-align: center;
  }
  .calc-breakup__chart {
    display: flex;
    justify-content: center;
    margin-bottom: var(--space-16);
  }
  .calc-breakup-donut {
    position: relative;
    width: 168px;
    height: 168px;
    flex-shrink: 0;
  }
  .calc-breakup-donut__ring {
    position: absolute;
    inset: 0;
    border-radius: 50%;
    background: conic-gradient(
      from -90deg,
      var(--accent) 0turn calc(var(--principal-turn, 0.75) * 1turn),
      var(--primary-mid) 0
    );
    box-shadow: var(--shadow-elev-1);
    transition: background 0.4s var(--ease-out);
  }
  .calc-breakup-donut__hub {
    position: absolute;
    inset: 22px;
    border-radius: 50%;
    background: var(--white);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: var(--space-8);
    box-shadow: inset 0 1px 0 rgba(27, 45, 79, 0.06);
  }
  .calc-breakup-donut__hub-pct {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--accent);
    line-height: 1.15;
  }
  .calc-breakup-donut__hub-pct--secondary {
    margin-top: var(--space-8);
    font-size: 15px;
    font-weight: 800;
    color: var(--primary-mid);
  }
  .calc-breakup-donut__hub-label {
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
  }
  .calc-breakup-bar-wrap {
    margin-bottom: var(--space-16);
  }
  .calc-breakup-bar__track {
    display: flex;
    height: 12px;
    border-radius: var(--radius-sm);
    overflow: hidden;
    background: var(--gray-200);
  }
  .calc-breakup-bar__principal {
    width: var(--principal-pct-bar, 0%);
    min-width: 0;
    flex-shrink: 0;
    background: var(--accent);
    transition: width 0.4s var(--ease-out);
  }
  .calc-breakup-bar__interest {
    flex: 1;
    min-width: 0;
    background: var(--primary-mid);
  }
  .calc-breakup-legend {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-8) var(--space-24);
    font-family: var(--font-main);
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.4;
  }
  .calc-breakup-legend li {
    display: flex;
    align-items: center;
    gap: var(--space-8);
  }
  .calc-breakup-legend__swatch {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    flex-shrink: 0;
  }
  .calc-breakup-legend__swatch[data-swatch='principal'] {
    background: var(--accent);
  }
  .calc-breakup-legend__swatch[data-swatch='interest'] {
    background: var(--primary-mid);
  }
  @media (prefers-reduced-motion: reduce) {
    .calc-breakup-donut__ring,
    .calc-breakup-bar__principal {
      transition: none;
    }
  }
  
  /* EMI repayment schedule (toolbar + chart + table + share) */
  .calc-schedule {
    --schedule-balance: #a61f2d;
    --schedule-interest-bar: #e8943a;
    margin-top: var(--space-24);
    padding: var(--space-24);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    background: var(--color-neutral-50);
    display: flex;
    flex-direction: column;
    gap: var(--space-24);
  }
  .calc-schedule__title {
    margin: 0;
    font-family: var(--font-heading);
    font-size: var(--font-size-h3);
    font-weight: var(--font-weight-heading);
    color: var(--text-main);
    line-height: var(--line-height-h3);
  }
  .calc-schedule__toolbar {
    display: flex;
    flex-wrap: wrap;
    align-items: flex-end;
    gap: var(--space-16) var(--space-24);
    padding: var(--space-16);
    background: var(--color-neutral-100);
    border-radius: var(--radius-sm);
    border: 1px solid var(--gray-200);
  }
  .calc-schedule__field {
    display: flex;
    flex-direction: column;
    gap: var(--space-8);
    min-width: min(100%, 220px);
    flex: 1 1 200px;
  }
  .calc-schedule__field--view {
    flex: 0 1 200px;
  }
  .calc-schedule__label {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-main);
    line-height: 1.35;
  }
  .calc-schedule__month,
  .calc-schedule__select {
    font-family: var(--font-main);
    font-size: 15px;
    padding: var(--space-8) var(--space-16);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-sm);
    background: var(--surface);
    color: var(--text-main);
    min-height: 44px;
  }
  .calc-schedule__chart-area {
    position: relative;
    padding: var(--space-16);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    background: var(--surface);
    min-height: 200px;
  }
  .calc-schedule__svg {
    display: block;
    width: 100%;
    height: auto;
    max-height: 320px;
  }
  .calc-schedule__svg-empty {
    fill: var(--text-muted);
    font-size: 14px;
    font-family: var(--font-main);
  }
  .calc-schedule__bar-principal {
    fill: var(--accent);
  }
  .calc-schedule__bar-interest {
    fill: var(--schedule-interest-bar);
  }
  .calc-schedule__line-balance {
    fill: none;
    stroke: var(--schedule-balance);
    stroke-width: 2.5;
    stroke-linejoin: round;
    stroke-linecap: round;
  }
  .calc-schedule__dot-balance {
    fill: var(--surface);
    stroke: var(--schedule-balance);
    stroke-width: 2;
  }
  .calc-schedule__svg-axis {
    fill: none;
    stroke: var(--gray-400);
    stroke-width: 1;
  }
  .calc-schedule__svg-xlabel,
  .calc-schedule__svg-ylabel {
    fill: var(--text-muted);
    font-size: 11px;
    font-family: var(--font-main);
  }
  .calc-schedule__tooltip {
    position: absolute;
    z-index: 3;
    pointer-events: none;
    max-width: 220px;
    padding: var(--space-8) var(--space-16);
    margin-left: var(--space-8);
    margin-top: calc(-1 * var(--space-24));
    background: var(--color-primary-900);
    color: var(--white);
    font-size: 13px;
    line-height: 1.45;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-md);
  }
  .calc-schedule__tooltip strong {
    font-weight: 700;
  }
  .calc-schedule__chart-legend {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-16) var(--space-24);
    margin-top: var(--space-16);
    font-size: 13px;
    color: var(--text-muted);
    font-family: var(--font-main);
  }
  .calc-schedule__lg {
    display: inline-flex;
    align-items: center;
    gap: var(--space-8);
  }
  .calc-schedule__lg-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    flex-shrink: 0;
  }
  .calc-schedule__lg-dot--principal {
    background: var(--accent);
  }
  .calc-schedule__lg-dot--interest {
    background: var(--schedule-interest-bar);
  }
  .calc-schedule__lg-line {
    width: 18px;
    height: 3px;
    border-radius: 2px;
    background: var(--schedule-balance);
    flex-shrink: 0;
  }
  .calc-schedule__table-scroll {
    overflow-x: auto;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    background: var(--surface);
  }
  .calc-schedule__table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--font-main);
    font-size: 14px;
    min-width: 560px;
  }
  .calc-schedule__table th,
  .calc-schedule__table td {
    padding: var(--space-8) var(--space-16);
    text-align: right;
    border-bottom: 1px solid var(--gray-200);
  }
  .calc-schedule__table th:first-child,
  .calc-schedule__table td:first-child {
    text-align: left;
  }
  .calc-schedule__th-year {
    background: var(--color-neutral-600);
    color: var(--white);
    font-weight: 700;
  }
  .calc-schedule__th-principal {
    background: var(--accent);
    color: var(--color-primary-900);
    font-weight: 700;
  }
  .calc-schedule__th-interest {
    background: var(--schedule-interest-bar);
    color: var(--color-primary-900);
    font-weight: 700;
  }
  .calc-schedule__th-total {
    background: var(--color-neutral-300);
    color: var(--color-primary-900);
    font-weight: 700;
  }
  .calc-schedule__th-balance {
    background: var(--schedule-balance);
    color: var(--white);
    font-weight: 700;
  }
  .calc-schedule__th-paid {
    background: var(--color-neutral-700);
    color: var(--white);
    font-weight: 700;
  }
  .calc-schedule__table tbody > tr:nth-child(4n + 1),
  .calc-schedule__table tbody > tr:nth-child(4n + 2) {
    background: var(--color-neutral-50);
  }
  .calc-schedule__table tbody > tr:nth-child(4n + 3),
  .calc-schedule__table tbody > tr:nth-child(4n + 4) {
    background: var(--surface);
  }
  .calc-schedule__expand {
    display: inline-flex;
    align-items: center;
    gap: var(--space-8);
    padding: 0;
    border: none;
    background: none;
    font: inherit;
    color: var(--primary);
    cursor: pointer;
    text-align: left;
    font-weight: 600;
  }
  .calc-schedule__expand:hover,
  .calc-schedule__expand:focus-visible {
    text-decoration: underline;
    outline: none;
  }
  .calc-schedule__expand:focus-visible {
    box-shadow: 0 0 0 2px var(--accent-light);
    border-radius: 2px;
  }
  .calc-schedule__expand-ico {
    display: inline-flex;
    width: 1.25rem;
    justify-content: center;
    font-weight: 800;
    transition: transform var(--transition-fast);
  }
  .calc-schedule__detail-cell {
    padding: 0 !important;
    border-bottom: 1px solid var(--gray-200);
    vertical-align: top;
  }
  .calc-schedule__subtable {
    width: 100%;
    border-collapse: collapse;
    font-size: 13px;
    background: var(--color-neutral-100);
  }
  .calc-schedule__subtable th,
  .calc-schedule__subtable td {
    padding: var(--space-8) var(--space-16);
    text-align: right;
    border-bottom: 1px solid var(--gray-200);
  }
  .calc-schedule__subtable th:first-child,
  .calc-schedule__subtable td:first-child {
    text-align: left;
  }
  .calc-schedule__subtable thead th {
    background: var(--gray-200);
    font-weight: 700;
    color: var(--text-main);
  }
  .calc-schedule__share {
    display: flex;
    flex-direction: column;
    gap: var(--space-16);
    align-items: flex-start;
  }
  .calc-schedule__share-text {
    margin: 0;
    font-size: 15px;
    color: var(--text-main);
    line-height: 1.5;
    max-width: 40rem;
  }
  .calc-schedule__share-btns {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-8) var(--space-16);
  }
  .calc-schedule__btn {
    display: inline-flex;
    align-items: center;
    gap: var(--space-8);
  }
  .calc-schedule__btn svg {
    flex-shrink: 0;
  }
  @media (prefers-reduced-motion: reduce) {
    .calc-schedule__expand-ico {
      transition: none;
    }
  }
  
  /* ============================================================
     ABOUT SECTION
  ============================================================ */
  .about-section.section {
    padding-top: 80px;
    padding-bottom: 80px;
  }
  .about-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: center;
  }
  .about-column--content {
    min-width: 0;
    display: flex;
    flex-direction: column;
    gap: 24px;
  }
  .about-header {
    margin: 0;
  }
  .about-header .section-label {
    margin-bottom: 12px;
  }
  .about-header .section-title {
    margin-bottom: 0;
  }
  .about-intro {
    display: flex;
    flex-direction: column;
    gap: 12px;
  }
  .about-lead {
    margin: 0;
    font-size: 16px;
    line-height: 1.55;
    color: var(--text-muted);
    max-width: var(--prose-width);
    display: -webkit-box;
    -webkit-box-orient: vertical;
    -webkit-line-clamp: 2;
    overflow: hidden;
  }
  .about-lead strong {
    color: var(--primary);
    font-weight: 700;
  }
  .about-points {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 16px;
  }
  .about-point {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 14px 16px;
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
    background: var(--surface);
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  }
  .about-point:hover {
    border-color: rgba(23, 195, 206, 0.35);
    box-shadow: var(--shadow-sm);
  }
  .about-point__icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    background: var(--accent-light);
  }
  .about-point__icon svg {
    width: 24px;
    height: 24px;
  }
  .about-point__body {
    min-width: 0;
  }
  .about-point__title {
    margin: 0 0 6px;
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    line-height: 1.3;
  }
  .about-point__text {
    margin: 0;
    font-size: 14px;
    line-height: 1.55;
    color: var(--text-muted);
    max-width: 36rem;
    display: -webkit-box;
    -webkit-box-orient: vertical;
    -webkit-line-clamp: 2;
    overflow: hidden;
  }
  .about-highlight {
    margin: 0;
    padding: 20px 22px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-mid) 100%);
    border: 1px solid rgba(255, 255, 255, 0.08);
    box-shadow: var(--shadow-md);
  }
  .about-highlight__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    text-align: center;
  }
  .about-highlight__stat {
    padding: 8px 6px;
  }
  .about-highlight__value {
    display: block;
    font-family: var(--font-heading);
    font-size: clamp(22px, 4vw, 28px);
    font-weight: 800;
    line-height: 1.15;
    color: #ffffff;
    letter-spacing: -0.02em;
  }
  .about-highlight__label {
    display: block;
    margin-top: 6px;
    font-size: 12px;
    line-height: 1.35;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.78);
  }
  .about-trust {
    margin: 0;
    font-size: 15px;
    line-height: 1.55;
    color: var(--primary-mid);
    font-style: italic;
    padding: 14px 0 0 14px;
    border-left: 3px solid var(--accent);
    max-width: var(--prose-width);
  }
  .about-trust strong {
    font-style: normal;
    color: var(--primary);
  }
  .about-cta {
    align-self: flex-start;
  }
  .about-images {
    position: relative;
    height: 520px;
    overflow: visible;
    margin: 0;
  }
  .about-img-main {
    position: absolute;
    top: 0; left: 0;
    width: 75%;
    height: 75%;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
  }
  .about-img-main img { width: 100%; height: 100%; object-fit: cover; }
  .about-img-secondary {
    position: absolute;
    bottom: 0; right: 0;
    width: 52%;
    height: 50%;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 5px solid var(--white);
  }
  .about-img-secondary img { width: 100%; height: 100%; object-fit: cover; }
  .about-badge {
    position: absolute;
    bottom: 18%;
    left: 12px;
    background: var(--accent);
    color: var(--white);
    border-radius: var(--radius-md);
    padding: 16px 22px;
    min-width: 5.5rem;
    text-align: center;
    box-shadow: var(--shadow-md);
    z-index: 5;
    overflow: visible;
  }
  .badge-num {
    display: block;
    font-family: var(--font-heading);
    font-size: 32px;
    font-weight: 800;
    line-height: 1;
  }
  .badge-text {
    display: block;
    font-size: 12px;
    font-weight: 500;
    opacity: 0.9;
    white-space: nowrap;
    letter-spacing: 0.02em;
  }
  .about-content { min-width: 0; }
  .about-content > .section-title { margin-bottom: 20px; }
  .about-text {
    color: var(--text-muted);
    margin-bottom: 20px;
    font-size: 16px;
    line-height: 1.65;
    max-width: var(--prose-width);
  }
  .about-text--lead { margin-bottom: 16px; font-size: 17px; font-weight: 500; color: var(--text-main); }
  .about-bullets {
    margin: 0 0 22px;
    padding-left: 1.25em;
    list-style: disc;
    font-size: 16px;
    line-height: 1.65;
    color: var(--text-muted);
  }
  .about-bullets li { margin-bottom: 12px; padding-left: 0.2em; }
  .about-bullets li:last-child { margin-bottom: 0; }
  .about-bullets strong { color: var(--primary); font-weight: 700; }
  .about-founder {
    font-size: 15px;
    line-height: 1.65;
    color: var(--primary-mid);
    font-style: italic;
    margin: 0 0 28px;
    padding-left: 16px;
    border-left: 3px solid var(--accent);
  }
  .about-page-vision-title {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 700;
    color: var(--primary);
    margin: 32px 0 14px;
  }
  .about-page-vision-statement {
    margin: 0 0 22px;
    font-size: 17px;
    line-height: 1.6;
    font-weight: 600;
    color: var(--primary);
    max-width: 36rem;
  }
  .about-page-mission-title {
    margin: 22px 0 12px;
  }
  .about-page-vision-list {
    margin: 0 0 28px;
    padding-left: 1.25em;
    font-size: 16px;
    line-height: 1.75;
    color: var(--text-muted);
  }
  .about-page-mission-list {
    list-style: disc;
  }
  .about-page-vision-list li { margin-bottom: 12px; }
  .about-page-vision-list li:last-child { margin-bottom: 0; }
  .about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 36px;
  }
  .feature-item {
    display: flex;
    gap: 14px;
    align-items: flex-start;
  }
  .feature-icon {
    width: 44px;
    height: 44px;
    background: var(--accent-light);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--accent);
  }
  .feature-icon svg { width: 20px; height: 20px; }
  .feature-text strong {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 4px;
  }
  .feature-text p { font-size: 13px; color: var(--text-muted); line-height: 1.5; }
  
  /* ============================================================
     FOUNDER / STORY SECTION
     Grid: column 1 = max-content (photo card only), column 2 = remaining 1fr.
     Prevents equal 1fr columns from stretching the left cell and leaving a wide
     empty band. Gap uses --space-48; both columns align-items: start (top baseline).
  ============================================================ */
  .founder-story { background: transparent; }
  .founder-story-inner {
    display: grid;
    grid-template-columns: minmax(0, max-content) minmax(0, 1fr);
    column-gap: var(--space-48);
    row-gap: var(--space-48);
    align-items: start;
    justify-items: start;
  }
  .founder-story-content {
    min-width: 0;
    width: 100%;
    max-width: none;
    justify-self: stretch;
  }
  /* Caps heading + all chapter cards to one measure; cards stay equal width */
  .founder-story-content__main {
    width: 100%;
    max-width: min(40rem, 100%);
  }
  .founder-story-visual {
    position: relative;
    width: 100%;
    /* ~10% wider than previous ~28rem implied column; balances text-heavy side */
    max-width: min(31rem, 100%);
    justify-self: start;
  }
  .founder-story-frame {
    position: relative;
    /* ~10% larger than 560px cap; aspect-ratio keeps accent + shadow proportions */
    max-height: calc(560px * 1.1);
    aspect-ratio: 4 / 5;
  }
  .founder-story-frame::after {
    content: '';
    position: absolute;
    top: 16px;
    left: 16px;
    right: -10px;
    bottom: -10px;
    border-radius: var(--radius-lg);
    border: 3px solid var(--accent);
    z-index: 0;
    pointer-events: none;
  }
  .founder-story-imgclip {
    position: relative;
    z-index: 1;
    height: 100%;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    background: var(--gray-100);
  }
  .founder-story-imgclip img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top center;
    display: block;
    aspect-ratio: 4 / 5;
    min-height: 100%;
  }
  .founder-story-caption {
    margin: var(--space-24) 0 0;
    text-align: left;
    font-size: 15px;
    color: var(--primary);
    padding-left: var(--space-8);
  }
  .founder-story-caption strong {
    display: block;
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 2px;
  }
  .founder-story-caption span {
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--accent);
    white-space: normal;
    word-break: normal;
  }
  .founder-story-header {
    margin-bottom: var(--space-32);
    padding-bottom: var(--space-24);
    border-bottom: 1px solid var(--gray-200);
    text-align: left;
  }
  .founder-story-header .section-title {
    margin-bottom: var(--space-16);
    text-transform: none;
    letter-spacing: -0.02em;
  }
  .founder-story-lead {
    margin: 0;
    max-width: 100%;
    font-size: var(--font-size-body);
    line-height: 1.6;
    color: var(--text-muted);
  }
  .founder-story-chapters {
    display: flex;
    flex-direction: column;
    gap: var(--space-24);
    width: 100%;
  }
  .founder-story-chapter {
    margin: 0;
    width: 100%;
    box-sizing: border-box;
    padding: var(--space-24) var(--space-32) var(--space-32);
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    text-align: left;
  }
  .founder-chapter__head {
    display: flex;
    align-items: center;
    gap: var(--space-16);
    margin-bottom: var(--space-16);
  }
  .founder-chapter__step {
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-size: 13px;
    font-weight: 800;
    color: var(--accent);
    background: var(--accent-light);
    line-height: 1;
  }
  .founder-chapter__label {
    margin: 0;
    flex: 1;
    min-width: 0;
    font-family: var(--font-heading);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.11em;
    text-transform: uppercase;
    color: var(--primary-mid);
    line-height: 1.35;
    hyphens: none;
    word-break: normal;
  }
  .founder-chapter__intro {
    margin: 0 0 var(--space-16);
    /* Align with label row: step width (36px) + gap token */
    padding-left: calc(36px + var(--space-16));
    font-size: 17px;
    font-weight: 600;
    line-height: 1.5;
    color: var(--primary);
    max-width: none;
  }
  .founder-chapter__body {
    padding-left: calc(36px + var(--space-16));
    font-size: 15px;
    line-height: 1.7;
    color: var(--text-muted);
  }
  .founder-chapter__body > p {
    margin: 0 0 var(--space-16);
  }
  .founder-chapter__story {
    margin: 0 0 var(--space-16) !important;
  }
  .founder-chapter__list {
    margin: 0;
    padding: 0 0 0 1.15rem;
    list-style: disc;
    color: var(--text-muted);
  }
  .founder-chapter__list li {
    margin-bottom: var(--space-8);
    padding-left: 0.12em;
    line-height: 1.6;
  }
  .founder-chapter__list li:last-child {
    margin-bottom: 0;
  }
  .founder-chapter__list strong {
    color: var(--primary);
    font-weight: 700;
  }
  .founder-chapter__list--compact {
    margin-top: var(--space-16);
  }
  .founder-impact {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-16);
    margin: 0 0 var(--space-8);
  }
  .founder-impact__item {
    padding: var(--space-16) var(--space-16);
    background: var(--light);
    border-radius: var(--radius-sm);
    border: 1px solid var(--gray-100);
    text-align: center;
  }
  .founder-impact__value {
    display: block;
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1.25;
    margin-bottom: var(--space-8);
  }
  .founder-impact__desc {
    display: block;
    font-size: 11px;
    font-weight: 600;
    line-height: 1.35;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.04em;
  }
  .founder-story-vm {
    margin-top: var(--space-24);
    padding-top: var(--space-24);
    border-top: 1px solid var(--gray-100);
  }
  .founder-vm__label {
    margin: 0 0 var(--space-8);
    font-family: var(--font-heading);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--primary-mid);
  }
  .founder-vm__label:not(:first-child) {
    margin-top: var(--space-16);
  }
  .founder-vm__line {
    margin: 0 0 0;
    font-size: var(--font-size-body);
    line-height: 1.5;
    font-weight: 600;
    color: var(--primary);
    max-width: 36rem;
  }
  .founder-vm__list {
    margin: var(--space-8) 0 0;
    padding-left: 1.15rem;
    list-style: disc;
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.6;
  }
  .founder-vm__list li {
    margin-bottom: var(--space-8);
  }
  .founder-vm__list li:last-child {
    margin-bottom: 0;
  }
  
  /* Contact form & info */
  .contact-form { margin-top: 24px; }
  .contact-form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }
  .contact-form-group {
    margin-bottom: 20px;
  }
  .contact-form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 8px;
  }
  .contact-form-group input,
  .contact-form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-family: inherit;
    transition: border-color var(--transition);
  }
  .contact-form-group input:focus,
  .contact-form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
  }
  .contact-form-group textarea { resize: vertical; min-height: 120px; }
  .contact-form-message {
    margin-top: var(--space-16);
    padding: var(--space-16);
    border-radius: var(--radius-sm);
    font-size: 15px;
    line-height: 1.5;
    font-family: var(--font-main);
    min-height: 0;
  }
  .contact-form-message:empty {
    display: none;
  }
  .contact-form-message:not(:empty) {
    display: block;
  }
  .contact-form-message--success {
    background: var(--accent-light);
    color: var(--color-primary-900);
    border: 1px solid var(--color-secondary-600);
  }
  .contact-form-message--error {
    background: #fef2f2;
    color: #991b1b;
    border: 1px solid #fecaca;
  }
  .contact-info-card {
    background: var(--gray-50);
    padding: 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
  }
  .contact-info-card h3 {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 24px;
  }
  .contact-info-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
  }
  .contact-info-item:last-child { margin-bottom: 0; }
  .contact-info-item svg {
    width: 24px;
    height: 24px;
    color: var(--accent);
    flex-shrink: 0;
  }
  .contact-info-item strong {
    display: block;
    font-size: 13px;
    color: var(--primary);
    margin-bottom: 4px;
  }
  .contact-info-item p {
    margin: 0;
    font-size: 15px;
  }
  .contact-info-item a {
    color: var(--accent);
    text-decoration: none;
  }
  .contact-info-item a:hover { text-decoration: underline; }
  #contact-main .faq-inner { align-items: start; }
  #contact-main .faq-image {
    height: auto;
    min-height: 0;
    background: none;
  }
  #contact-main .faq-image::before { display: none; }
  @media (max-width: 768px) {
    .contact-form-row { grid-template-columns: 1fr; }
  }
  
  /* ============================================================
     LOAN TYPES SECTION
  ============================================================ */
  .loan-types {
    background: var(--primary);
    padding: 120px 0;
    position: relative;
    overflow: hidden;
  }
  .loan-types .section-title { margin-bottom: 8px; }
  .loan-types::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    border: 60px solid rgba(255,255,255,0.03);
  }
  .loan-types::after {
    content: '';
    position: absolute;
    bottom: -120px; left: -80px;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 50px solid rgba(255,255,255,0.04);
  }
  .loan-types-deco {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    margin-bottom: 60px;
    position: relative;
    z-index: 2;
  }
  .deco-line {
    flex: 1;
    height: 1px;
    background: rgba(255,255,255,0.1);
    max-width: 200px;
  }
  .deco-text {
    font-size: clamp(18px, 3vw, 28px);
    font-weight: 700;
    letter-spacing: clamp(3px, 1.2vw, 8px);
    color: rgba(255,255,255,0.08);
    text-transform: uppercase;
    white-space: nowrap;
  }
  .loan-types-container {
    position: relative;
    z-index: 2;
  }
  .loan-types-intro {
    text-align: center;
    max-width: 40rem;
    margin: 0 auto;
  }
  .loan-types-intro .section-title {
    margin-bottom: 0;
  }
  .loan-category-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 40px;
  }
  .loan-category-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    gap: 10px;
    padding: 22px 20px 24px;
    border-radius: var(--radius-lg);
    background: rgba(255, 255, 255, 0.06);
    border: 2px solid rgba(255, 255, 255, 0.12);
    color: #ffffff;
    cursor: pointer;
    font-family: inherit;
    transition:
      transform 0.35s var(--ease-out),
      border-color 0.3s var(--ease-out),
      background-color 0.3s var(--ease-out),
      box-shadow 0.35s var(--ease-out);
  }
  .loan-category-card:hover {
    transform: translateY(-6px);
    border-color: rgba(255, 255, 255, 0.22);
    background: rgba(255, 255, 255, 0.1);
    box-shadow: 0 18px 44px rgba(0, 0, 0, 0.28);
  }
  .loan-category-card:focus {
    outline: none;
  }
  .loan-category-card:focus-visible {
    outline: 3px solid var(--accent);
    outline-offset: 3px;
  }
  .loan-category-card--active {
    border-color: var(--accent);
    background: rgba(23, 195, 206, 0.14);
    box-shadow: 0 0 0 1px rgba(23, 195, 206, 0.35), 0 12px 36px rgba(0, 0, 0, 0.2);
  }
  .loan-category-card--active .loan-category-card__icon {
    color: var(--accent);
    background: rgba(23, 195, 206, 0.2);
  }
  .loan-category-card__icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: rgba(255, 255, 255, 0.85);
    background: rgba(255, 255, 255, 0.08);
    transition: color 0.3s var(--ease-out), background-color 0.3s var(--ease-out);
  }
  .loan-category-card__title {
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 800;
    letter-spacing: -0.02em;
    line-height: 1.25;
    color: #ffffff;
  }
  .loan-category-card__desc {
    font-size: 13px;
    line-height: 1.5;
    color: rgba(255, 255, 255, 0.72);
    margin: 0;
  }
  .loan-category-actions {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    margin: 36px 0 8px;
    text-align: center;
  }
  .loan-continue-btn {
    min-width: 200px;
    transition: transform 0.25s var(--ease-out), box-shadow 0.25s var(--ease-out);
  }
  .loan-continue-btn:hover {
    transform: translateY(-2px);
  }
  .loan-continue-hint {
    margin: 0;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.65);
    max-width: 28rem;
    line-height: 1.45;
  }
  .loan-continue-hint strong {
    color: var(--accent);
    font-weight: 700;
  }
  .loan-types-preview {
    margin-top: 32px;
    max-width: 960px;
    margin-left: auto;
    margin-right: auto;
  }
  .loan-type-panel {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    height: 420px;
    box-shadow: var(--shadow-lg);
    transition: box-shadow 0.35s var(--ease-out);
  }
  .loan-types-preview.is-switching .loan-type-panel {
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  }
  .loan-type-panel img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
  }
  .loan-type-panel:hover img { transform: scale(1.05); }
  .loan-panel-overlay {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    background: linear-gradient(0deg, rgba(11,20,40,0.95) 0%, rgba(11,20,40,0.4) 50%, transparent 100%);
    padding: 48px 32px 28px;
    color: var(--white);
  }
  .loan-panel-overlay h3 {
    font-family: var(--font-heading);
    font-size: 26px;
    font-weight: 700;
    margin-bottom: 10px;
    line-height: 1.2;
  }
  .loan-panel-overlay p {
    font-size: 15px;
    color: rgba(255,255,255,0.85);
    margin-bottom: 18px;
    line-height: 1.6;
    max-width: 520px;
  }
  
  /* ============================================================
     SERVICES PAGE
  ============================================================ */
  .page-services { padding-top: 80px; }
  
  .services-page-hero {
    background: var(--primary);
    padding: 60px 0 50px;
    text-align: center;
  }
  .services-page-hero .section-label { margin-bottom: 12px; }
  .services-page-title {
    font-family: var(--font-heading);
    font-size: 42px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 12px;
  }
  .services-page-sub {
    font-size: 17px;
    color: rgba(255,255,255,0.7);
  }
  
  .services-main {
    background: var(--primary);
    padding: 0 0 100px;
    min-height: 600px;
  }
  .services-layout {
    display: grid;
    grid-template-columns: 320px 1fr;
    gap: 0;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 40px;
  }
  .services-sidebar {
    background: var(--primary);
    padding: 40px 0 40px 0;
    border-right: 1px solid rgba(255,255,255,0.08);
  }
  .services-loan-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }
  .services-loan-list .loan-list-item {
    margin-bottom: 0;
    border-radius: var(--radius-md);
    text-decoration: none;
    width: 100%;
  }
  .services-content {
    padding: 40px 0 40px 48px;
    display: flex;
    align-items: flex-start;
  }
  .services-panel {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    width: 100%;
    height: 480px;
    box-shadow: var(--shadow-lg);
  }
  .services-panel img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease, opacity 0.3s ease;
  }
  .services-panel:hover img { transform: scale(1.03); }
  .services-panel .loan-panel-overlay h2 {
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 700;
    margin-bottom: 12px;
  }
  .services-panel .loan-panel-overlay p { font-size: 16px; margin-bottom: 20px; }
  
  /* Loan Detail Page (sidebar + content) */
  .breadcrumb {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    font-size: 14px;
    color: rgba(255,255,255,0.8);
    margin-top: 16px;
    justify-content: center;
  }
  .breadcrumb a { color: rgba(255,255,255,0.9); transition: color var(--transition); }
  .breadcrumb a:hover { color: var(--accent); }
  .breadcrumb span { color: rgba(255,255,255,0.5); }
  .loan-detail {
    background: var(--light);
    padding: 60px 0 80px;
  }
  .loan-detail-layout {
    display: grid;
    grid-template-columns: 320px 1fr;
    gap: 48px;
    align-items: start;
    max-width: 1320px;
    margin: 0 auto;
    padding: 0 40px;
  }
  .loan-detail-sidebar {
    position: sticky;
    top: 100px;
  }
  .loan-detail-list {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 24px;
  }
  .loan-detail-list a {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 18px;
    border-radius: var(--radius-md);
    color: var(--text-main);
    font-weight: 500;
    background: var(--white);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
  }
  .loan-detail-list a:hover { color: var(--accent); box-shadow: var(--shadow-md); }
  .loan-detail-list a.active {
    background: var(--accent);
    color: var(--white);
    box-shadow: 0 4px 20px rgba(23,195,206,0.35);
  }
  .loan-detail-list a.active .loan-detail-arrow { opacity: 1; }
  .loan-detail-arrow {
    margin-left: auto;
    opacity: 0.5;
    transition: opacity var(--transition);
  }
  .loan-detail-contact {
    background: var(--accent);
    color: var(--white);
    padding: 24px;
    border-radius: var(--radius-md);
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    gap: 16px;
  }
  .loan-detail-contact img {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    object-fit: cover;
  }
  .loan-detail-contact-text { flex: 1; }
  .loan-detail-contact-text strong { display: block; font-size: 14px; margin-bottom: 4px; }
  .loan-detail-contact-text span { font-size: 13px; opacity: 0.95; }
  .loan-detail-contact-text a { color: inherit; font-weight: 600; }
  .loan-detail-appointment {
    background: var(--primary);
    color: var(--white);
    padding: 28px;
    border-radius: var(--radius-md);
  }
  .loan-detail-appointment h4 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 20px;
  }
  .loan-detail-appointment input {
    width: 100%;
    padding: 12px 16px;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255,255,255,0.2);
    background: rgba(255,255,255,0.08);
    color: var(--white);
    margin-bottom: 12px;
    font-size: 14px;
  }
  .loan-detail-appointment input::placeholder { color: rgba(255,255,255,0.5); }
  .loan-detail-appointment .btn { width: 100%; margin-top: 8px; }
  .loan-detail-content h2 {
    font-family: var(--font-heading);
    font-size: 32px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 20px;
  }
  .loan-detail-content .lead-img {
    border-radius: var(--radius-lg);
    overflow: hidden;
    margin-bottom: 28px;
  }
  .loan-detail-content .lead-img img {
    width: 100%;
    height: 380px;
    object-fit: cover;
  }
  .loan-detail-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 28px 0;
  }
  .loan-detail-features .feature-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
  }
  .loan-detail-features .feature-item .feature-icon {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    color: var(--accent);
  }
  .loan-detail-features .feature-item .feature-icon svg { width: 100%; height: 100%; }
  @media (max-width: 992px) {
    .loan-detail-layout { grid-template-columns: 1fr; }
    .loan-detail-sidebar { position: static; }
    .loan-detail-features { grid-template-columns: 1fr; }
  }
  @media (max-width: 768px) {
    .loan-detail-layout { padding: 0 24px; gap: 32px; }
  }
  
  @media (max-width: 992px) {
    .services-layout {
      grid-template-columns: 1fr;
      padding: 0 24px;
    }
    .services-sidebar {
      border-right: none;
      border-bottom: 1px solid rgba(255,255,255,0.08);
      padding: 24px 0;
    }
    .services-loan-list {
      flex-direction: row;
      flex-wrap: wrap;
      justify-content: center;
      gap: 10px;
    }
    .services-loan-list .loan-list-item {
      flex: 1 1 auto;
      min-width: 140px;
      max-width: 200px;
    }
    .services-content {
      padding: 32px 0;
    }
    .services-panel { height: 400px; }
  }
  
  @media (max-width: 768px) {
    .services-page-hero { padding: 40px 0 32px; }
    .services-page-title { font-size: 32px; }
    .services-loan-list {
      flex-direction: row;
      overflow-x: auto;
      flex-wrap: nowrap;
      justify-content: flex-start;
      padding-bottom: 12px;
      -webkit-overflow-scrolling: touch;
    }
    .services-loan-list .loan-list-item { min-width: 150px; max-width: none; }
    .services-panel { height: 360px; }
  }
  
  /* ============================================================
     QUICK EASY FLEXIBLE
  ============================================================ */
  .quick-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 96px;
    align-items: center;
  }
  .quick-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    height: 520px;
  }
  .quick-image img { width: 100%; height: 100%; object-fit: cover; }
  .quick-image::after {
    content: '';
    position: absolute;
    top: 20px; left: 20px;
    right: -12px; bottom: -12px;
    border-radius: var(--radius-lg);
    border: 3px solid var(--accent);
    z-index: -1;
  }
  .quick-content { min-width: 0; }
  .quick-content > .section-title { margin-bottom: 16px; }
  .quick-text { color: var(--text-muted); font-size: 17px; line-height: 1.75; margin-bottom: 40px; max-width: var(--prose-width); }
  .quick-features { margin-bottom: 44px; display: flex; flex-direction: column; gap: 18px; }
  .quick-feature {
    display: flex;
    gap: 22px;
    align-items: flex-start;
    padding: 24px 26px;
    margin-bottom: 0;
    border-radius: var(--radius-md);
    background: var(--white);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
    border: 1px solid var(--gray-200);
  }
  .quick-feature:hover {
    box-shadow: var(--shadow-md);
    transform: translateX(6px);
    border-color: rgba(23, 195, 206, 0.35);
  }
  .qf-icon-wrap {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--primary);
    background: var(--white);
    border: 2px solid var(--gray-200);
    box-shadow: 0 6px 20px rgba(27, 45, 79, 0.08);
    position: relative;
  }
  .qf-icon-wrap::after {
    content: '';
    position: absolute;
    inset: -5px;
    border-radius: 18px;
    border: 1px solid transparent;
    pointer-events: none;
    opacity: 0.55;
  }
  .quick-feature:nth-child(1) .qf-icon-wrap {
    color: var(--accent);
    border-color: rgba(23, 195, 206, 0.45);
    background: linear-gradient(160deg, var(--white) 0%, var(--accent-light) 100%);
  }
  .quick-feature:nth-child(1) .qf-icon-wrap::after { border-color: rgba(23, 195, 206, 0.25); }
  .quick-feature:nth-child(2) .qf-icon-wrap {
    color: var(--primary-mid);
    border-color: rgba(30, 53, 96, 0.2);
    background: linear-gradient(160deg, #fff 0%, rgba(30, 53, 96, 0.06) 100%);
  }
  .quick-feature:nth-child(2) .qf-icon-wrap::after { border-color: rgba(30, 53, 96, 0.12); }
  .quick-feature:nth-child(3) .qf-icon-wrap {
    color: #0d9488;
    border-color: rgba(13, 148, 136, 0.28);
    background: linear-gradient(160deg, #fff 0%, rgba(13, 148, 136, 0.08) 100%);
  }
  .quick-feature:nth-child(3) .qf-icon-wrap::after { border-color: rgba(13, 148, 136, 0.15); }
  .quick-feature:nth-child(4) .qf-icon-wrap {
    color: var(--primary);
    border-color: rgba(27, 45, 79, 0.18);
    background: linear-gradient(160deg, #fff 0%, var(--gray-100) 100%);
  }
  .quick-feature:nth-child(4) .qf-icon-wrap::after { border-color: rgba(27, 45, 79, 0.1); }
  .quick-feature:nth-child(5) .qf-icon-wrap {
    color: var(--accent-dark);
    border-color: rgba(15, 179, 189, 0.35);
    background: linear-gradient(160deg, #fff 0%, rgba(23, 195, 206, 0.12) 100%);
  }
  .quick-feature:nth-child(5) .qf-icon-wrap::after { border-color: rgba(15, 179, 189, 0.2); }
  .qf-icon-wrap svg { width: 28px; height: 28px; stroke-width: 2; }
  .qf-text h4 { font-size: 17px; font-weight: 700; color: var(--primary); margin-bottom: 8px; letter-spacing: -0.01em; }
  .qf-text p { font-size: 15px; color: var(--text-muted); line-height: 1.65; }
  
  /* ============================================================
     WORKING PROCESS — horizontal stepper / mobile vertical
  ============================================================ */
  .process { background: transparent; }
  .process-stepper__root {
    position: relative;
    margin-top: 48px;
    --progress: 0;
  }
  .process-stepper__track {
    position: absolute;
    z-index: 0;
    top: 27px;
    left: 8%;
    right: 8%;
    height: 4px;
    pointer-events: none;
  }
  .process-stepper__line {
    position: absolute;
    border-radius: 4px;
  }
  .process-stepper__line--track {
    inset: 0;
    background: var(--gray-200);
  }
  .process-stepper__line--fill {
    top: 0;
    left: 0;
    bottom: 0;
    width: 100%;
    transform-origin: left center;
    transform: scaleX(var(--progress, 0));
    background: linear-gradient(90deg, var(--accent), var(--primary-mid));
    transition: transform 0.5s var(--ease-out);
    border-radius: 4px;
  }
  .process-stepper__steps {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 12px;
    position: relative;
    z-index: 1;
  }
  .process-stepper__step {
    flex: 1;
    min-width: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    opacity: 0;
    transform: translateY(28px);
    transition:
      opacity 0.6s var(--ease-out),
      transform 0.6s var(--ease-out);
    transition-delay: calc(var(--step-i) * 0.1s);
  }
  .process-stepper__step.is-revealed {
    opacity: 1;
    transform: translateY(0);
  }
  .process-stepper__node {
    margin-bottom: 18px;
  }
  .process-stepper__circle {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-mid);
    box-shadow: 0 4px 14px rgba(27, 45, 79, 0.08);
    transition:
      transform 0.4s var(--ease-out),
      border-color 0.3s var(--ease-out),
      background-color 0.3s var(--ease-out),
      color 0.3s var(--ease-out),
      box-shadow 0.4s var(--ease-out);
    position: relative;
    z-index: 2;
  }
  .process-stepper__step.is-active .process-stepper__circle {
    transform: scale(1.1);
    border-color: var(--accent);
    background: rgba(23, 195, 206, 0.12);
    color: var(--accent);
    box-shadow: 0 0 0 8px rgba(23, 195, 206, 0.18), 0 8px 24px rgba(27, 45, 79, 0.12);
  }
  .process-stepper__step:not(.is-active):hover .process-stepper__circle {
    border-color: rgba(23, 195, 206, 0.45);
    transform: scale(1.04);
  }
  .process-stepper__kicker {
    display: block;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 6px;
  }
  .process-stepper__title {
    margin: 0 0 8px;
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    line-height: 1.25;
  }
  .process-stepper__desc {
    margin: 0;
    font-size: 14px;
    line-height: 1.55;
    color: var(--text-muted);
    max-width: 15rem;
  }
  @media (prefers-reduced-motion: reduce) {
    .process-stepper__step {
      opacity: 1;
      transform: none;
      transition: none;
    }
    .process-stepper__line--fill {
      transition: none;
    }
    .process-stepper__circle {
      transition: border-color 0.2s ease, background-color 0.2s ease, color 0.2s ease;
    }
    .process-stepper__step:not(.is-active):hover .process-stepper__circle {
      transform: none;
    }
    .process-stepper__step.is-active .process-stepper__circle {
      transform: none;
    }
  }
  
  /* ============================================================
     CORE VALUE
  ============================================================ */
  .core-value {
    position: relative;
    background:
      linear-gradient(135deg, rgba(11,20,40,0.92) 0%, rgba(27,45,79,0.88) 100%),
      url('https://images.unsplash.com/photo-1497366216548-37526070297c?w=1600&q=80') center/cover no-repeat fixed;
    padding: 120px 0;
    overflow: hidden;
  }
  @media (max-width: 992px) {
    .core-value {
      background-attachment: scroll;
    }
  }
  .core-value::before {
    content: '';
    position: absolute;
    top: -200px; right: -200px;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    border: 80px solid rgba(23,195,206,0.05);
  }
  .core-value-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(11,20,40,0.6) 0%, rgba(27,45,79,0.3) 100%);
    pointer-events: none;
  }
  .core-value-inner { position: relative; z-index: 2; }
  .cv-content { max-width: 680px; }
  .core-value .section-title.light {
    max-width: 100%;
    hyphens: none;
    word-break: normal;
    overflow-wrap: normal;
  }
  .cv-text { color: rgba(255,255,255,0.75); font-size: 16px; line-height: 1.8; margin-bottom: 32px; }
  .cv-values { margin-bottom: 36px; }
  .cv-val-item {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255,255,255,0.9);
    font-size: 15px;
    font-weight: 500;
    margin-bottom: 12px;
  }
  .cv-check {
    width: 24px;
    height: 24px;
    background: var(--accent);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    font-weight: 700;
    flex-shrink: 0;
  }
  
  /* ============================================================
     TEAM SECTION
  ============================================================ */
  .team-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
    max-width: 880px;
    margin: 0 auto;
  }
  .team-card {
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--white);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition-fast);
  }
  .team-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(23, 195, 206, 0.22);
  }
  .team-img-wrap {
    position: relative;
    height: 400px;
    overflow: hidden;
    background: var(--gray-100);
  }
  /* Anchor to top so portrait/headshots keep faces in frame (cover + center crops heads off) */
  .team-img-wrap img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top center;
    transform-origin: top center;
    transition: transform 0.5s ease;
  }
  .team-card:hover .team-img-wrap img { transform: scale(1.05); }
  .team-social {
    position: absolute;
    bottom: -50px;
    left: 0; right: 0;
    display: flex;
    justify-content: center;
    gap: 10px;
    padding: 12px;
    background: linear-gradient(0deg, rgba(27,45,79,0.9), transparent);
    transition: bottom var(--transition);
  }
  .team-card:hover .team-social { bottom: 0; }
  .team-social a {
    width: 34px;
    height: 34px;
    background: var(--accent);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 12px;
    font-weight: 700;
    transition: background var(--transition);
  }
  .team-social a:hover { background: var(--white); color: var(--accent); }
  .team-info {
    padding: 24px 28px 28px;
    text-align: center;
    border-top: 1px solid var(--gray-100);
  }
  .team-info h4 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    margin-bottom: 6px;
  }
  .team-info p { font-size: 14px; color: var(--accent); font-weight: 600; letter-spacing: 0.02em; }
  
  /* ============================================================
     FAQ SECTION
  ============================================================ */
  .faq-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 96px;
    align-items: start;
  }
  .faq-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    height: 480px;
  }
  .faq-image img { width: 100%; height: 100%; object-fit: cover; }
  .faq-image::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(27,45,79,0.3), transparent);
    z-index: 1;
  }
  .faq-intro {
    color: var(--text-muted);
    font-size: var(--font-size-body);
    margin-bottom: var(--space-32);
    line-height: var(--line-height-body);
    max-width: var(--prose-width);
  }
  .accordion {
    display: flex;
    flex-direction: column;
    gap: var(--space-16);
  }
  .accordion-heading {
    margin: 0;
    font: inherit;
  }
  .accordion-item {
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    background: var(--white);
    box-shadow: var(--shadow-elev-1);
    transition:
      border-color 0.3s var(--ease-out),
      box-shadow 0.35s var(--ease-out);
  }
  .accordion-item.active {
    border-color: var(--accent);
    box-shadow: var(--shadow-elev-2);
  }
  .accordion-header {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 22px;
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 700;
    letter-spacing: -0.01em;
    color: var(--primary);
    background: var(--white);
    cursor: pointer;
    text-align: left;
    gap: var(--space-16);
    border-radius: var(--radius-md);
    transition:
      color 0.25s var(--ease-out),
      background-color 0.25s var(--ease-out),
      border-radius 0.2s var(--ease-out);
  }
  .accordion-item.active .accordion-header {
    border-radius: var(--radius-md) var(--radius-md) 0 0;
  }
  .accordion-header:hover { color: var(--accent); }
  .accordion-item.active .accordion-header { color: var(--accent); background: rgba(23, 195, 206, 0.06); }
  .acc-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    font-weight: 300;
    color: var(--accent);
    flex-shrink: 0;
    line-height: 1;
    transition: transform 0.4s var(--ease-out);
  }
  .acc-icon svg {
    display: block;
    width: 20px;
    height: 20px;
  }
  .accordion-item.active .acc-icon { transform: rotate(45deg); }
  .accordion-item.active .acc-icon:has(svg) { transform: rotate(180deg); }
  .accordion-body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.42s var(--ease-out);
  }
  .accordion-item.active .accordion-body {
    grid-template-rows: 1fr;
  }
  .accordion-body__inner {
    overflow: hidden;
    min-height: 0;
    background: var(--white);
    border-radius: 0 0 var(--radius-md) var(--radius-md);
  }
  .accordion-body__inner p {
    margin: 0;
    padding: 0 22px 20px;
    font-size: 15px;
    color: var(--text-muted);
    line-height: 1.65;
  }
  .accordion-body__inner p:first-child {
    padding-top: 4px;
  }
  .faq-cta {
    margin-top: var(--space-24);
    padding: var(--space-16) var(--space-24);
    border-radius: var(--radius-md);
    background: var(--white);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-elev-1);
    text-align: center;
  }
  .faq-cta__text {
    margin: 0;
    font-size: var(--font-size-body);
    color: var(--primary);
    font-weight: 600;
    line-height: 1.55;
  }
  .faq-cta__link {
    display: inline-block;
    margin-left: 4px;
    padding: 8px 18px;
    font-size: 14px;
    font-weight: 700;
    border-radius: var(--radius-sm);
    border: 2px solid var(--accent);
    color: var(--accent);
    background: transparent;
    vertical-align: middle;
    transition:
      background 0.25s var(--ease-out),
      color 0.25s var(--ease-out),
      transform 0.2s var(--ease-out);
  }
  .faq-cta__link:hover {
    background: var(--accent);
    color: var(--white);
    transform: translateY(-1px);
  }
  @media (prefers-reduced-motion: reduce) {
    .accordion-body {
      transition: none;
    }
    .acc-icon {
      transition: transform 0.15s ease;
    }
    .accordion-item {
      transition: border-color 0.15s ease, box-shadow 0.15s ease;
    }
  }
  
  /* ============================================================
     TESTIMONIAL SECTION
  ============================================================ */
  .testimonial {
    background: var(--primary);
    padding: 120px 0;
    position: relative;
    overflow: hidden;
  }
  .testimonial::before {
    content: '"';
    position: absolute;
    top: -30px;
    left: 5%;
    font-size: 300px;
    color: rgba(255,255,255,0.03);
    font-family: Georgia, serif;
    line-height: 1;
    pointer-events: none;
  }
  .testimonial-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 96px;
    align-items: center;
  }
  .quote-icon {
    font-size: 64px;
    color: var(--accent);
    font-family: Georgia, serif;
    line-height: 0.8;
    margin-bottom: 20px;
    display: block;
  }
  .testimonial-heading {
    font-size: clamp(26px, 3vw, 34px);
    margin-bottom: 24px;
    line-height: 1.25;
  }
  .quote-text {
    font-size: 18px;
    color: rgba(255,255,255,0.85);
    line-height: 1.75;
    margin-bottom: 24px;
    font-style: italic;
  }
  .quote-text a {
    color: var(--accent);
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 3px;
  }
  .quote-text a:hover { color: #fff; }
  .quote-author--brand { margin-bottom: 0; }
  .testimonial-cta-wrap { margin: 24px 0 0; }
  .quote-author {
    display: flex;
    align-items: center;
    gap: 16px;
  }
  .quote-author img {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    border: 3px solid var(--accent);
    object-fit: cover;
  }
  .quote-author strong { display: block; color: var(--white); font-size: 16px; font-weight: 700; margin-bottom: 3px; }
  .quote-author span { font-size: 13px; color: var(--accent); }
  .testimonial-nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-top: 36px;
  }
  .testimonial-avatars { display: flex; gap: 12px; }
  .t-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    object-fit: cover;
    cursor: pointer;
    border: 2px solid transparent;
    opacity: 0.5;
    transition: all var(--transition);
  }
  .t-avatar.active, .t-avatar:hover { border-color: var(--accent); opacity: 1; }
  .testimonial-dots { display: flex; gap: 8px; }
  .t-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,0.3);
    cursor: pointer;
    transition: all var(--transition);
  }
  .t-dot.active { background: var(--accent); width: 24px; border-radius: 4px; }
  .testimonial-slide { display: none; }
  .testimonial-slide.active { display: block; }
  .testimonial-right { position: relative; isolation: isolate; }
  .t-right-img {
    width: 100%;
    height: 380px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
  }
  .t-stat-card {
    position: absolute;
    left: 16px;
    right: 16px;
    bottom: -20px;
    margin: 0 auto;
    max-width: min(340px, calc(100% - 32px));
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 20px 24px;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: flex-start;
    gap: 24px 32px;
    box-shadow: var(--shadow-lg);
  }
  .t-stat {
    text-align: center;
    flex: 1 1 120px;
    min-width: 0;
    max-width: 200px;
  }
  .t-stat-num {
    display: block;
    font-family: var(--font-heading);
    font-size: 26px;
    font-weight: 800;
    color: var(--primary);
  }
  .t-stat-num--sm { font-size: 20px; line-height: 1.2; }
  .t-stat-text { font-size: 12px; color: var(--text-muted); font-weight: 500; }
  
  /* ============================================================
     APP PROMOTION SECTION
  ============================================================ */
  .app-promo-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }
  .app-phones {
    position: relative;
    height: 500px;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .phone-mockup {
    position: absolute;
    width: 220px;
    height: 440px;
    background: var(--primary);
    border-radius: 36px;
    border: 8px solid var(--primary-dark);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
  }
  .phone-back {
    left: 30px;
    top: 30px;
    z-index: 1;
    transform: rotate(-8deg);
    opacity: 0.8;
  }
  .phone-front {
    right: 30px;
    top: 0;
    z-index: 2;
    transform: rotate(5deg);
  }
  .phone-screen {
    width: 100%;
    height: 100%;
    background: var(--primary-dark);
    display: flex;
    align-items: stretch;
  }
  .phone-ui {
    flex: 1;
    padding: 20px 16px;
    display: flex;
    flex-direction: column;
    gap: 8px;
  }
  .p-header-bar {
    height: 8px;
    width: 60%;
    background: rgba(255,255,255,0.1);
    border-radius: 4px;
    margin-bottom: 8px;
  }
  .p-header-bar.accent { background: var(--accent); }
  .p-balance {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    color: var(--white);
  }
  .p-balance.cyan { color: var(--accent); }
  .p-label { font-size: 11px; color: rgba(255,255,255,0.4); margin-bottom: 8px; }
  .p-actions { display: flex; gap: 8px; }
  .p-act-btn {
    height: 28px;
    flex: 1;
    background: rgba(255,255,255,0.1);
    border-radius: 14px;
  }
  .p-card-row {
    height: 10px;
    background: rgba(255,255,255,0.06);
    border-radius: 5px;
  }
  .p-card-row.short { width: 60%; }
  .p-chart {
    display: flex;
    gap: 6px;
    align-items: flex-end;
    height: 80px;
    margin-top: auto;
  }
  .p-bar {
    flex: 1;
    background: rgba(255,255,255,0.15);
    border-radius: 4px 4px 0 0;
  }
  .p-bar.accent { background: var(--accent); }
  .app-text { color: var(--text-muted); font-size: 16px; line-height: 1.8; margin-bottom: 32px; }
  .app-btns { display: flex; gap: 16px; flex-wrap: wrap; }
  .store-btn {
    display: flex;
    align-items: center;
    gap: 12px;
    background: var(--primary);
    color: var(--white);
    padding: 12px 24px;
    border-radius: var(--radius-md);
    transition: all var(--transition);
    border: 2px solid var(--primary);
  }
  .store-btn:hover { background: transparent; color: var(--primary); transform: translateY(-2px); box-shadow: var(--shadow-md); }
  .store-btn svg { width: 24px; height: 24px; flex-shrink: 0; }
  .store-text { display: flex; flex-direction: column; }
  .store-text small { font-size: 11px; opacity: 0.75; }
  .store-text strong { font-size: 15px; font-weight: 700; }
  
  /* ============================================================
     BLOG SECTION
  ============================================================ */
  .blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 36px;
  }
  .blog-card-link {
    display: block;
    text-decoration: none;
    color: inherit;
  }
  .blog-card-link:hover { color: inherit; }
  .blog-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition-fast);
    border: 1px solid var(--gray-200);
  }
  .blog-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(23, 195, 206, 0.2);
  }
  .blog-img-wrap {
    position: relative;
    height: 220px;
    overflow: hidden;
  }
  .blog-img-wrap img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
  .blog-card:hover .blog-img-wrap img { transform: scale(1.08); }
  .blog-cat {
    position: absolute;
    top: 16px; left: 16px;
    background: var(--accent);
    color: var(--white);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 5px 12px;
    border-radius: 50px;
  }
  .blog-body { padding: 26px 26px 28px; }
  .blog-meta {
    display: flex;
    gap: 16px;
    font-size: 12px;
    color: var(--gray-400);
    margin-bottom: 12px;
    flex-wrap: wrap;
  }
  .blog-body h3 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
    margin-bottom: 12px;
    line-height: 1.35;
    transition: color var(--transition);
  }
  .blog-card:hover .blog-body h3 { color: var(--accent); }
  .blog-body p { font-size: 15px; color: var(--text-muted); line-height: 1.65; margin-bottom: 18px; }
  .blog-read-more {
    font-size: 14px;
    font-weight: 600;
    color: var(--accent);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: gap var(--transition);
  }
  .blog-read-more:hover { gap: 10px; }
  
  /* Blog single post */
  .blog-single { max-width: 800px; margin: 0 auto; }
  .blog-single-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-bottom: 24px;
    font-size: 14px;
    color: var(--text-muted);
  }
  .blog-single-meta .blog-cat {
    position: static;
    padding: 4px 12px;
  }
  .blog-single-featured {
    border-radius: var(--radius-lg);
    overflow: hidden;
    margin-bottom: 32px;
    box-shadow: var(--shadow-md);
  }
  .blog-single-featured img {
    width: 100%;
    height: auto;
    display: block;
  }
  .blog-single-content h2 {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: var(--primary);
    margin: 28px 0 12px;
  }
  .blog-single-content h2:first-of-type { margin-top: 0; }
  .blog-single-content p {
    font-size: 16px;
    line-height: 1.8;
    color: var(--text-muted);
    margin-bottom: 16px;
  }
  .blog-single-content a {
    color: var(--accent);
    text-decoration: none;
  }
  .blog-single-content a:hover { text-decoration: underline; }
  
  /* ============================================================
     STATS BAR
  ============================================================ */
  .stats-bar {
    background: var(--white);
    border-top: 1px solid var(--gray-100);
    border-bottom: 1px solid var(--gray-100);
    padding: 40px 0;
  }
  .stats-bar.stats-trust {
    padding: 88px 0 96px;
    background: var(--surface);
    border-color: var(--gray-200);
  }
  .stats-trust-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 40px;
  }
  .stats-trust-head .section-title { margin-bottom: 0; }
  .stats-inner {
    display: flex;
    justify-content: space-around;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
  }
  .stats-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    align-items: stretch;
    justify-content: stretch;
  }
  .stat-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
    color: var(--primary);
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    opacity: 0.7;
    transition: opacity var(--transition);
  }
  .stat-item:hover { opacity: 1; }
  .stat-item svg { width: 40px; height: 40px; }
  .stat-trust-item {
    opacity: 1;
    text-transform: none;
    letter-spacing: 0;
    padding: 28px 18px;
    min-height: 168px;
    justify-content: center;
    gap: 12px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-100);
    transition: box-shadow var(--transition), transform var(--transition);
  }
  .stat-trust-item:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
  }
  .stat-trust-icon {
    flex-shrink: 0;
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--primary), var(--primary-mid));
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0;
  }
  .stat-trust-icon svg { width: 28px; height: 28px; }
  .stat-trust-value {
    font-family: var(--font-heading);
    font-size: clamp(26px, 3vw, 34px);
    font-weight: 800;
    color: var(--primary);
    line-height: 1.15;
  }
  .stat-trust-value--sm {
    font-size: clamp(22px, 2.5vw, 28px);
  }
  .stat-trust-label {
    font-size: 15px;
    font-weight: 600;
    color: var(--primary-mid);
    margin-top: 0;
    line-height: 1.35;
    max-width: 12rem;
    text-align: center;
  }
  .stat-trust-value--phrase {
    display: block;
    max-width: 12rem;
    margin: 0 auto;
    font-size: clamp(20px, 2.35vw, 26px);
    line-height: 1.2;
    letter-spacing: -0.02em;
    text-align: center;
  }
  .stat-trust-item--phrase .stat-trust-icon {
    margin-bottom: 0;
  }
  
  /* ============================================================
     PARTNER / TRUST LOGOS (MARQUEE)
  ============================================================ */
  .partners-trust {
    padding: 80px 0 72px;
    background: var(--surface-muted);
    border-top: 1px solid var(--gray-200);
    overflow: hidden;
  }
  .partners-trust-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 40px;
    padding: 0 16px;
  }
  .partners-trust-head .section-title { margin-bottom: 12px; }
  .partners-trust-intro {
    margin: 0;
    font-size: 16px;
    line-height: 1.65;
    color: var(--text-muted);
  }
  .partners-marquee-viewport {
    position: relative;
    width: 100%;
    overflow: hidden;
    mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  }
  .partners-marquee-viewport:hover .partners-marquee-track {
    animation-play-state: paused;
  }
  .partners-marquee-track {
    display: flex;
    width: max-content;
    animation: partners-marquee-scroll 45s linear infinite;
  }
  @keyframes partners-marquee-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
  }
  .partners-set {
    display: flex;
    flex-wrap: nowrap;
    align-items: center;
    gap: 28px;
    padding: 12px 48px 12px 0;
  }
  .partner-logo-wrap {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 18px 36px;
    min-height: 76px;
    border-radius: var(--radius-md);
    background: var(--white);
    border: 1px solid var(--gray-100);
    box-shadow: var(--shadow-sm);
    filter: grayscale(1);
    opacity: 0.58;
    transition:
      filter 0.45s cubic-bezier(0.4, 0, 0.2, 1),
      opacity 0.45s cubic-bezier(0.4, 0, 0.2, 1),
      box-shadow var(--transition),
      border-color var(--transition),
      transform 0.35s ease;
  }
  .partner-logo-wrap img {
    display: block;
    height: 44px;
    width: auto;
    max-width: min(220px, 32vw);
    object-fit: contain;
    pointer-events: none;
  }
  .partner-logo-wrap:focus {
    outline: none;
  }
  .partner-logo-wrap:focus-visible {
    outline: 2px solid var(--accent);
    outline-offset: 3px;
  }
  .partner-logo-wrap:hover,
  .partner-logo-wrap:focus-visible {
    filter: grayscale(0);
    opacity: 1;
    border-color: rgba(23, 195, 206, 0.35);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
  }
  @media (prefers-reduced-motion: reduce) {
    .partners-marquee-track {
      animation: none;
      flex-wrap: wrap;
      justify-content: center;
      width: 100%;
      max-width: 960px;
      margin: 0 auto;
      gap: 16px;
      padding: 0 24px;
    }
    .partners-set {
      display: flex;
      flex-wrap: wrap;
      justify-content: center;
      gap: 20px;
      padding: 0;
    }
    .partners-set[aria-hidden="true"] {
      display: none;
    }
    .partners-marquee-viewport {
      mask-image: none;
      -webkit-mask-image: none;
    }
    .partner-logo-wrap {
      transition: none;
      transform: none;
    }
    .partner-logo-wrap:hover,
    .partner-logo-wrap:focus-within {
      transform: none;
    }
  }
  
  /* ============================================================
     PRE-FOOTER CTA
  ============================================================ */
  .pre-footer-cta {
    background: linear-gradient(135deg, var(--accent) 0%, #0fb3bd 100%);
    padding: 60px 0;
  }
  .pfc-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 32px;
    flex-wrap: wrap;
  }
  .pfc-text h3 {
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 8px;
  }
  .pfc-text p { color: rgba(255,255,255,0.85); font-size: 16px; }
  .pre-footer-cta .btn-accent {
    background: var(--white);
    color: var(--accent);
    border-color: var(--white);
  }
  .pre-footer-cta .btn-accent:hover { background: var(--primary); color: var(--white); border-color: var(--primary); }
  
  /* ============================================================
     FOOTER
  ============================================================ */
  .footer {
    background: var(--primary-dark);
    padding: 80px 0 0;
  }
  .footer-inner {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 2fr;
    gap: 48px;
    padding-bottom: 60px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .footer-brand p {
    color: rgba(255,255,255,0.6);
    font-size: 14px;
    line-height: 1.8;
    margin: 20px 0 24px;
  }
  .footer-socials { display: flex; gap: 12px; }
  .social-icon {
    width: 38px;
    height: 38px;
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.6);
    transition: all var(--transition);
  }
  .social-icon svg { width: 16px; height: 16px; }
  .social-icon:hover { background: var(--accent); border-color: var(--accent); color: var(--white); }
  .footer-heading {
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 800;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 12px;
  }
  .footer-heading::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 30px;
    height: 2px;
    background: var(--accent);
    border-radius: 2px;
  }
  .footer-links li { margin-bottom: 10px; }
  .footer-links a {
    font-size: 14px;
    color: rgba(255,255,255,0.55);
    transition: all var(--transition);
    display: flex;
    align-items: center;
    gap: 6px;
  }
  .footer-links a::before { content: '›'; color: var(--accent); }
  .footer-links a:hover { color: var(--accent); padding-left: 4px; }
  .footer-newsletter p {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    margin-bottom: 20px;
    line-height: 1.7;
  }
  .newsletter-form { display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }
  .newsletter-form input {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    color: var(--white);
    font-size: 14px;
    font-family: inherit;
    outline: none;
    transition: border-color var(--transition);
  }
  .newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
  .newsletter-form input:focus { border-color: var(--accent); }
  .newsletter-form .btn-accent { width: 100%; border-radius: var(--radius-sm); }
  .fc-item {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
    color: rgba(255,255,255,0.55);
    font-size: 13px;
  }
  .fc-item svg { width: 16px; height: 16px; color: var(--accent); flex-shrink: 0; }
  .footer-bottom {
    background: rgba(0,0,0,0.2);
    padding: 20px 0;
  }
  .footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
  }
  .footer-bottom p { font-size: 13px; color: rgba(255,255,255,0.4); }
  .footer-bottom-links { display: flex; gap: 24px; }
  .footer-bottom-links a {
    font-size: 13px;
    color: rgba(255,255,255,0.4);
    transition: color var(--transition);
  }
  .footer-bottom-links a:hover { color: var(--accent); }
  
  /* ============================================================
     SCROLL TO TOP
  ============================================================ */
  .scroll-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 44px;
    height: 44px;
    background: var(--accent);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-md);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition);
    cursor: pointer;
    z-index: 999;
    font-size: 18px;
    border: none;
  }
  .scroll-top.visible { opacity: 1; pointer-events: auto; }
  .scroll-top:hover { background: var(--primary); transform: translateY(-3px); }
  
  /* ============================================================
     ANIMATIONS
  ============================================================ */
  @keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .fade-in-up { animation: fadeInUp 0.6s ease forwards; }
  
  /* ============================================================
     RESPONSIVE — TABLET (992px)
  ============================================================ */
  @media (max-width: 992px) {
    .container { padding: 0 28px; }
    .section { padding: 88px 0; }
  
    /* Header */
    .nav { display: none; position: fixed; top: 80px; left: 0; right: 0; background: var(--white); padding: 20px 24px; box-shadow: var(--shadow-lg); z-index: 999; }
    .nav.open { display: flex; flex-direction: column; }
    .nav-list { flex-direction: column; gap: 4px; width: 100%; }
    .nav-link { padding: 12px 16px; font-size: 15px; border-radius: var(--radius-sm); }
    .nav-link.active::after { display: none; }
    .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; padding: 0 0 0 16px; background: transparent; }
    .hamburger { display: flex; }
    .nav-cta { display: none; }
  
    /* Hero */
    .hero-inner {
      grid-template-columns: 1fr;
      gap: 24px;
      padding: 80px 0;
    }
    .hero-content {
      align-items: center;
      text-align: center;
      margin: 0 auto;
      max-width: 40rem;
    }
    .hero-sub { max-width: 36rem; margin-left: auto; margin-right: auto; }
    .hero-card-wrap {
      justify-self: center;
      max-width: 400px;
      margin: 0 auto;
      width: 100%;
    }
  
    /* About */
    .about-inner { grid-template-columns: 1fr; gap: 32px; }
    .about-images { height: 380px; }
    .about-column--content {
      text-align: center;
      align-items: center;
    }
    .about-intro,
    .about-points,
    .about-highlight,
    .about-trust {
      width: 100%;
      max-width: 32rem;
    }
    .about-point {
      text-align: left;
    }
    .about-cta {
      align-self: center;
    }
  
    /* Founder story — stack: visual first, content full width; token gaps */
    .founder-story-inner {
      grid-template-columns: 1fr;
      column-gap: 0;
      row-gap: var(--space-48);
    }
    .founder-story-content__main {
      max-width: 100%;
    }
    .founder-story-frame {
      max-height: min(480px, 70vh);
      max-width: 400px;
      margin: 0 auto;
    }
    .founder-story-visual {
      max-width: min(400px, 100%);
      margin: 0 auto;
      justify-self: center;
      width: 100%;
    }
    .founder-story-caption { text-align: center; padding-left: 0; }
    .founder-story-header {
      margin-bottom: var(--space-24);
      padding-bottom: var(--space-24);
    }
    .founder-story-chapters { gap: var(--space-16); }
    .founder-story-chapter {
      padding: var(--space-24) var(--space-16) var(--space-24) var(--space-24);
    }
    .founder-chapter__intro,
    .founder-chapter__body {
      padding-left: 0;
    }
    .founder-chapter__head {
      flex-wrap: wrap;
      gap: 10px;
    }
    .founder-impact {
      grid-template-columns: 1fr;
    }
  
    /* Loan Types */
    .loan-category-grid {
      grid-template-columns: repeat(2, 1fr);
      gap: 16px;
      margin-top: 32px;
    }
    .loan-category-card {
      padding: 18px 16px 20px;
    }
  
    /* Quick */
    .quick-inner { grid-template-columns: 1fr; gap: 40px; }
    .quick-image { height: 380px; }
  
    /* Process stepper → vertical timeline */
    .process-stepper__root {
      margin-top: 32px;
      --mobile-line-x: 28px;
      padding-left: var(--mobile-line-x);
    }
    .process-stepper__track {
      top: 30px;
      bottom: 24px;
      left: calc(var(--mobile-line-x) - 2px);
      right: auto;
      width: 4px;
      height: auto;
    }
    .process-stepper__line--fill {
      transform-origin: top center;
      transform: scaleY(var(--progress, 0));
    }
    .process-stepper__steps {
      flex-direction: column;
      align-items: stretch;
      gap: 6px;
      padding-left: 40px;
    }
    .process-stepper__step {
      flex-direction: row;
      flex-wrap: nowrap;
      align-items: flex-start;
      text-align: left;
      gap: 16px;
      padding: 4px 0 20px;
    }
    .process-stepper__node {
      margin: 0;
      margin-left: calc(-1 * var(--mobile-line-x) - 12px);
      margin-right: 0;
      flex-shrink: 0;
    }
    .process-stepper__desc {
      max-width: none;
    }
  
    /* Team */
    .team-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; max-width: 720px; }
  
    /* FAQ */
    .faq-inner { grid-template-columns: 1fr; gap: 40px; }
    .faq-image { height: 300px; }
  
    /* Testimonial */
    .testimonial-inner { grid-template-columns: 1fr; gap: 50px; }
    .t-stat-card {
      position: relative;
      bottom: auto;
      left: auto;
      right: auto;
      max-width: 100%;
      margin: 20px auto 0;
    }
  
    /* Trust stats */
    .stats-trust-grid { grid-template-columns: repeat(2, 1fr); }
  
    /* App */
    .app-promo-inner { grid-template-columns: 1fr; gap: 40px; }
  
    /* Blog */
    .blog-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  
    /* Footer */
    .footer-inner { grid-template-columns: 1fr 1fr; gap: 40px; }
  
    /* Section header */
    .section-header.space-between { flex-direction: column; align-items: flex-start; gap: 20px; }
  }
  
  /* ============================================================
     RESPONSIVE — MOBILE (768px)
  ============================================================ */
  @media (max-width: 768px) {
    .section { padding: 72px 0; }

    /* Hero */
    .hero-container { padding: 0 20px; }
    .hero-inner { padding: 64px 0; }
    .hero-title { font-size: clamp(1.75rem, 9vw, var(--font-size-h1)); }

    /* Loan Types - horizontal scroll on mobile */
    .loan-category-grid {
      grid-template-columns: 1fr;
      gap: 14px;
    }
    .loan-category-actions {
      margin: 28px 0 4px;
    }

    /* About */
    .about-images { height: 300px; }
    .about-features { grid-template-columns: 1fr; }
    .about-highlight__grid {
      grid-template-columns: 1fr;
      gap: 14px;
    }
    .about-highlight__stat {
      padding: 10px 12px;
      background: rgba(255, 255, 255, 0.06);
      border-radius: var(--radius-sm);
    }
  
    /* Process stepper — tighter vertical */
    .process-stepper__root {
      padding-left: 24px;
      --mobile-line-x: 24px;
    }
    .process-stepper__track {
      left: calc(var(--mobile-line-x) - 2px);
    }
    .process-stepper__steps {
      padding-left: 36px;
    }
    .process-stepper__node {
      margin-left: calc(-1 * var(--mobile-line-x) - 10px);
    }
    .process-stepper__title {
      font-size: 15px;
    }
    .process-stepper__desc {
      font-size: 13px;
    }
  
    /* Team */
    .team-grid { grid-template-columns: 1fr; max-width: 380px; margin: 0 auto; }
  
    /* Trust stats */
    .stats-trust-grid { grid-template-columns: 1fr; }
    .stats-bar.stats-trust { padding: 48px 0 56px; }
    .stats-trust-head { margin-bottom: 32px; }
  
    /* Partner marquee */
    .partners-trust { padding: 48px 0 44px; }
    .partners-trust-head { margin-bottom: 28px; }
    .partner-logo-wrap { padding: 14px 20px; min-height: 68px; }
    .partner-logo-wrap img { height: 36px; max-width: min(200px, 42vw); }
    .partners-set { gap: 10px; padding: 10px 24px 10px 0; }
  
    /* Blog */
    .blog-grid { grid-template-columns: 1fr; }
  
    /* Footer */
    .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  
    /* Pre-footer */
    .pfc-inner { flex-direction: column; text-align: center; }
  
    /* App phones */
    .app-phones { height: 360px; }
    .phone-mockup { width: 160px; height: 320px; }
    .phone-back { left: 10px; top: 20px; }
    .phone-front { right: 10px; }
  }
  
  /* ============================================================
     RESPONSIVE — SMALL MOBILE (480px)
  ============================================================ */
  @media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero { min-height: auto; }
    .loan-calc-card { padding: 20px; }
    .loan-calc-card--enhanced {
      padding: 20px 20px 0;
    }
    .calc-breakup {
      padding: var(--space-16);
    }
    .calc-breakup-donut {
      width: 148px;
      height: 148px;
    }
    .calc-breakup-donut__hub {
      inset: 19px;
    }
    .calc-breakup-donut__hub-pct {
      font-size: 17px;
    }
    .loan-calc-card__sticky-cta {
      margin: 16px -20px 0;
      padding: 14px 20px 18px;
    }
    .calc-value-above { font-size: 16px; }
    .calc-title { font-size: 17px; }
    .about-images { height: 250px; }
    .about-badge { padding: 12px 16px; left: 8px; min-width: 5rem; }
    .badge-num { font-size: 24px; }
    .loan-type-panel { height: 320px; }
    .quick-image { height: 280px; }
    .app-btns { flex-direction: column; }
    .store-btn { justify-content: center; }
    .footer-bottom-inner { flex-direction: column; text-align: center; }
    .footer-bottom-links { justify-content: center; }
    .app-phones { height: 280px; }
    .phone-mockup { width: 130px; height: 260px; }
  }
  
  /* ============================================================
     LARGE SCREENS (1920px+)
  ============================================================ */
  @media (min-width: 1920px) {
    :root { --container: 1440px; }
  }