/* FAST Loan — components: buttons, nav, hero, cards, calculator, forms, faq, footer. */

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 12px 22px;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  font-weight: 700;
  font-size: 0.98rem;
  line-height: 1;
  text-decoration: none;
  cursor: pointer;
  transition: transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
  white-space: nowrap;
}
.btn--primary { background: var(--accent-600); color: #fff; box-shadow: var(--shadow-md); }
.btn--primary:hover { background: var(--accent-700); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow-lift); }
.btn--navy { background: var(--brand-900); color: #fff; }
.btn--navy:hover { background: var(--brand-800); color: #fff; transform: translateY(-1px); }
.btn--ghost { background: #fff; border-color: var(--line); color: var(--brand-900); box-shadow: var(--shadow-xs); }
.btn--ghost:hover { border-color: var(--brand-700); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.btn--light { background: rgba(255, 255, 255, 0.12); border-color: rgba(255, 255, 255, 0.3); color: #fff; }
.btn--light:hover { background: rgba(255, 255, 255, 0.2); color: #fff; }
.btn--sm { min-height: 40px; padding: 9px 16px; font-size: 0.9rem; }
.btn--block { width: 100%; }

/* ---------- Topbar ---------- */
.topbar {
  background: var(--brand-950);
  color: #c4d3e4;
  font-size: var(--text-sm);
  min-height: var(--topbar-h);
  display: flex;
  align-items: center;
}
.topbar__inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.topbar a { color: #e6eef6; text-decoration: none; font-weight: 600; }
.topbar a:hover { color: #fff; text-decoration: underline; }
.topbar__group { display: flex; align-items: center; gap: 20px; min-width: 0; }
.topbar__item { display: inline-flex; align-items: center; gap: 7px; white-space: nowrap; }
.topbar__item svg { flex: none; opacity: 0.8; }
.topbar__dot { width: 7px; height: 7px; border-radius: 50%; background: #3ddc97; box-shadow: 0 0 0 4px rgba(61, 220, 151, 0.18); }

/* ---------- Header ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line-soft);
  transition: box-shadow var(--dur-fast) var(--ease);
}
.header.is-scrolled { box-shadow: var(--shadow-sm); }
.header__inner { display: flex; align-items: center; gap: 14px; min-height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; margin-right: auto; flex: none; }
/* Logo-only artwork (no baked-in subtext).
   48px capsule fits the 72px header height with room to spare. */
.brand__logo {
  height: 48px;
  width: auto;
  border-radius: 0;
  flex: none;
}
.brand--footer .brand__logo { height: 40px; }
/* Header: stacked lockup — logo on top, single caption line centred beneath
   it with a minimal gap. Footer keeps the side-by-side two-line treatment. */
.header .brand { flex-direction: column; gap: 3px; }
.header .brand__text { text-align: center; }
.brand__text { line-height: 1.25; }
.brand__tagline { display: block; color: var(--muted); font-size: 0.72rem; font-weight: 500; letter-spacing: 0.03em; white-space: nowrap; }
.brand__tagline strong { color: #d90000; font-weight: 800; }
.brand--footer .brand__text strong { display: block; font-size: 1.05rem; letter-spacing: -0.015em; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 10px;
  border-radius: 10px;
  white-space: nowrap;
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
}
.nav a:hover { background: var(--brand-50); color: var(--brand-900); }
.header__cta { display: flex; align-items: center; gap: 8px; margin-left: 0; flex: none; }

.nav-toggle {
  display: none;
  width: 46px; height: 46px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--brand-900); border-radius: 2px; transition: transform var(--dur-fast) var(--ease), opacity var(--dur-fast) var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: clip;
  background:
    radial-gradient(720px 300px at 12% 0%, rgba(18, 128, 93, 0.1), transparent 60%),
    radial-gradient(860px 380px at 95% 10%, rgba(24, 81, 132, 0.14), transparent 62%),
    linear-gradient(180deg, #fbfdff, #f2f6fa);
  border-bottom: 1px solid var(--line-soft);
}
.hero__inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(1.8rem, 4vw, 3.5rem);
  align-items: center;
  padding-block: clamp(2.6rem, 5vw, 4.6rem) clamp(2rem, 4vw, 3.4rem);
}
.hero__badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-pill);
  padding: 7px 14px 7px 8px;
  font-size: var(--text-sm); font-weight: 600; color: var(--ink-soft);
  box-shadow: var(--shadow-xs);
  margin-bottom: 18px;
}
.hero__badge i {
  font-style: normal; font-size: 0.75rem; font-weight: 800;
  background: var(--accent-50); color: var(--accent-700);
  border: 1px solid var(--accent-100);
  padding: 3px 9px; border-radius: var(--radius-pill);
  letter-spacing: 0.04em;
}
.hero h1 { font-size: var(--text-3xl); margin-bottom: 14px; }
.hero h1 em { font-style: normal; color: var(--accent-700); }
.hero__sub { color: var(--ink-soft); font-size: var(--text-lg); max-width: 34rem; margin-bottom: 22px; }
.hero__points { list-style: none; padding: 0; display: grid; gap: 9px; margin: 0 0 24px; }
.hero__points li { display: flex; gap: 10px; align-items: flex-start; color: var(--ink-soft); font-size: 0.97rem; }
.hero__points svg { flex: none; margin-top: 3px; }

.hero-visual { position: relative; min-width: 0; }
.hero-visual::before {
  content: "";
  position: absolute;
  inset: 6% -4% -8% 10%;
  background: radial-gradient(closest-side, rgba(24, 81, 132, 0.18), transparent 72%);
  pointer-events: none;
}
.hero-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 22px;
}
.hero-card--main { position: relative; z-index: 2; border-top: 3px solid var(--accent-500); }
.hero-card--float {
  position: absolute;
  z-index: 3;
  right: 22px;
  bottom: -24px;
  width: min(270px, 62%);
  padding: 16px 18px;
  box-shadow: var(--shadow-lift);
}
.hero-card__label { font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.hero-card__row { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; padding-block: 9px; border-top: 1px dashed var(--line); font-size: 0.95rem; }
.hero-card__row:first-of-type { border-top: 0; }
.hero-card__row strong { color: var(--brand-950); }
.hero-card__emi { font-size: 1.7rem; font-weight: 800; letter-spacing: -0.03em; color: var(--brand-950); font-variant-numeric: tabular-nums; }
.hero-card__ok { display: inline-flex; align-items: center; gap: 7px; background: var(--accent-50); color: var(--accent-700); border: 1px solid var(--accent-100); font-weight: 700; font-size: 0.85rem; padding: 6px 12px; border-radius: var(--radius-pill); }
.hero-card__title { font-weight: 700; color: var(--brand-950); }
.hero-card__sub { font-size: 0.88rem; color: var(--muted); margin-top: 4px; }

/* Spacing helpers for recurring offsets */
.mt-10 { margin-top: 10px; }
.mt-14 { margin-top: 14px; }
.mt-16 { margin-top: 16px; }
.mt-28 { margin-top: 28px; }

.progress { height: 8px; border-radius: 99px; background: var(--line-soft); overflow: hidden; margin-top: 12px; }
.progress i { display: block; height: 100%; width: 72%; border-radius: inherit; background: linear-gradient(90deg, var(--accent-500), #2ea87c); }

.stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }
.stat strong { display: block; font-size: 1.45rem; letter-spacing: -0.03em; color: var(--brand-950); font-variant-numeric: tabular-nums; }
.stat span { display: block; margin-top: 2px; font-size: 0.82rem; line-height: 1.45; color: var(--muted); }

/* ---------- Eligibility strip ---------- */
.elig {
  background:
    radial-gradient(640px 220px at 92% -30px, rgba(46, 130, 190, 0.28), transparent 62%),
    radial-gradient(560px 240px at 4% 120%, rgba(18, 128, 93, 0.22), transparent 60%),
    var(--brand-950);
  color: #dbe6f2;
  border-radius: var(--radius-lg);
  padding: clamp(1.4rem, 3vw, 2.2rem);
  margin-top: -34px;
  position: relative;
  z-index: 5;
  box-shadow: var(--shadow-lift), inset 0 1px 0 rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.12);
}
.elig__head { display: flex; justify-content: space-between; align-items: end; gap: 16px; margin-bottom: 18px; flex-wrap: wrap; }
.elig__head h2 { color: #fff; font-size: 1.3rem; }
.elig__head p { color: #9fb4cb; font-size: var(--text-sm); max-width: 34rem; }
.elig__form { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.elig__hint { margin-top: 12px; font-size: var(--text-sm); color: #9fb4cb; min-height: 1.5em; }
.elig__hint strong { color: #7de2b5; }

/* Loan finder result — same dark-card language, quiet reveal. */
.finder-result {
  margin-top: 14px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity var(--dur-med) var(--ease), transform var(--dur-med) var(--ease);
}
.finder-result.is-visible { opacity: 1; transform: none; }
.finder-result h3 { color: #fff; font-size: 1rem; letter-spacing: -0.01em; margin-bottom: 4px; }
.finder-result h3:focus { outline: none; }
.finder-result h3:focus-visible { outline: 3px solid var(--accent-500); outline-offset: 2px; }
.finder-result p { color: #9fb4cb; font-size: var(--text-sm); }
.finder-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 12px 0 14px; }
.finder-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  color: #e6eef6;
  text-decoration: none;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  transition: background var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
}
.finder-chip:hover { background: rgba(255, 255, 255, 0.16); border-color: rgba(255, 255, 255, 0.35); color: #fff; }

/* ---------- Lender ribbon (contained bank-mark marquee) ---------- */
.bank-strip { margin: 32px 0 40px; }
.bank-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  padding: 16px 24px;
}
.bank-viewport {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.bank-track {
  display: flex;
  width: max-content;
  animation: bank-scroll 32s linear infinite;
}
.bank-strip:hover .bank-track { animation-play-state: paused; }
.bank-group {
  display: flex;
  align-items: stretch;
  gap: 28px;
  padding-right: 28px;
}
.bank-logo-item {
  flex: none;
  width: 140px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.bank-logo {
  max-width: 120px;
  max-height: 28px;
  width: auto;
  height: auto;
  object-fit: contain;
  opacity: 0.82;
  transition: opacity var(--dur-fast) var(--ease);
}
.bank-strip:hover .bank-logo { opacity: 1; }
@keyframes bank-scroll {
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .bank-track { animation: none; }
  .bank-viewport { overflow-x: auto; }
}
@media (max-width: 640px) {
  .bank-strip { margin: 28px 0 32px; }
  .bank-card { padding: 12px 16px; border-radius: 14px; }
  .bank-group { gap: 24px; padding-right: 24px; }
  .bank-logo-item { width: 112px; height: 40px; }
  .bank-logo { max-width: 96px; max-height: 24px; }
}

/* ---------- Fields ---------- */
.field { display: grid; gap: 6px; min-width: 0; }
.field label { font-size: var(--text-sm); font-weight: 700; color: inherit; }
.elig .field label { color: #cfe0f1; }
.form-card .field label { color: var(--brand-950); }
.field input, .field select, .field textarea {
  width: 100%;
  min-height: 48px;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: #fff;
  padding: 11px 14px;
  color: var(--ink);
  transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
}
/* Placeholders stay muted; entered/selected values always render in ink,
   including inside dark cards where controls would otherwise inherit pale text. */
.field input::placeholder,
.field textarea::placeholder {
  color: var(--muted);
  opacity: 1;
}
/* Browser autofill must not wash values out — keep ink text on fields. */
.field input:-webkit-autofill,
.field select:-webkit-autofill,
.field textarea:-webkit-autofill {
  -webkit-text-fill-color: var(--ink);
  caret-color: var(--ink);
}
.elig .field input, .elig .field select { background: rgba(255, 255, 255, 0.97); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--accent-500);
  box-shadow: 0 0 0 4px rgba(18, 128, 93, 0.16);
}
.field__error { font-size: var(--text-sm); color: #b3261e; display: none; }
.field--invalid .field__error { display: block; }
.field--invalid input, .field--invalid select { border-color: #b3261e; }

/* ---------- Loan cards ---------- */
.loan-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.loan-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-width: 0;
  position: relative;
  box-shadow: var(--shadow-xs);
  transition: transform var(--dur-med) var(--ease), box-shadow var(--dur-med) var(--ease), border-color var(--dur-med) var(--ease);
}
/* Restrained micro-detail: emerald tick fades in on hover/keyboard focus. */
.loan-card::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 22px;
  right: 22px;
  height: 3px;
  border-radius: 0 0 4px 4px;
  background: transparent;
  transition: background var(--dur-med) var(--ease);
}
.loan-card:hover::before,
.loan-card:focus-within::before { background: var(--accent-500); }
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lift); border-color: #bcd3e8; }
.loan-card__icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: grid; place-items: center;
  background: var(--brand-50); border: 1px solid var(--line-soft);
  color: var(--brand-800);
}
.loan-card:nth-child(3n+2) .loan-card__icon { background: var(--accent-50); color: var(--accent-700); border-color: var(--accent-100); }
.loan-card h3 { font-size: 1.12rem; letter-spacing: -0.015em; }
.loan-card p { color: var(--muted); font-size: 0.93rem; }
.loan-card__meta { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  font-size: 0.78rem; font-weight: 700;
  background: var(--paper); border: 1px solid var(--line);
  color: var(--ink-soft);
  padding: 5px 11px; border-radius: var(--radius-pill);
}
.loan-card__list { list-style: none; padding: 0; display: grid; gap: 6px; color: var(--ink-soft); font-size: 0.9rem; }
.loan-card__list li { display: flex; gap: 9px; }
.loan-card__list li::before { content: "✓"; color: var(--accent-600); font-weight: 800; }
.loan-card__foot { margin-top: auto; padding-top: 12px; border-top: 1px solid var(--line-soft); display: flex; gap: 10px; flex-wrap: wrap; align-items: center; justify-content: space-between; }
/* Stronger CTA: resting shadow + arrow nudge on hover/focus. */
.loan-card__foot .btn { box-shadow: var(--shadow-xs); }
.loan-card__foot .btn span { display: inline-block; transition: transform var(--dur-fast) var(--ease); }
.loan-card__foot .btn:hover span,
.loan-card__foot .btn:focus-visible span { transform: translateX(3px); }
.link-arrow { font-weight: 700; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.link-arrow:hover span { transform: translateX(3px); }
.link-arrow span { transition: transform var(--dur-fast) var(--ease); }

/* ---------- Calculator ---------- */
.calc {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(1.4rem, 3vw, 2.4rem);
  align-items: stretch;
}
.calc-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.3rem, 2.6vw, 2rem); box-shadow: var(--shadow-md); min-width: 0; }
.calc-panel--dark {
  background:
    radial-gradient(480px 220px at 88% -40px, rgba(46, 130, 190, 0.32), transparent 62%),
    linear-gradient(180deg, var(--brand-800), var(--brand-950) 70%);
  color: #e6eef6;
  border-color: rgba(255, 255, 255, 0.14);
  box-shadow: var(--shadow-lift), inset 0 1px 0 rgba(255, 255, 255, 0.1);
}
.calc-panel--dark h3 { color: #fff; }
.calc-row { display: grid; gap: 8px; padding-block: 14px 16px; border-top: 1px solid var(--line-soft); }
.calc-row:first-of-type { border-top: 0; padding-top: 0; }
.calc-row__top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.calc-row__top label { font-weight: 700; color: var(--brand-950); }
.calc-row__val { font-weight: 800; color: var(--brand-900); background: var(--brand-50); border: 1px solid var(--line-soft); padding: 4px 12px; border-radius: var(--radius-pill); font-size: 0.92rem; white-space: nowrap; font-variant-numeric: tabular-nums; }
input[type="range"] { width: 100%; accent-color: var(--accent-600); height: 32px; margin-block: 2px; cursor: pointer; }
.calc-inputs { display: flex; gap: 10px; margin-top: 6px; }
.calc-inputs input { min-height: 44px; max-width: 220px; border-radius: 10px; border: 1px solid var(--line); background: var(--paper); padding: 8px 12px; width: 100%; font-weight: 600; color: var(--brand-950); font-variant-numeric: tabular-nums; }
.calc-emi { font-size: clamp(2rem, 4vw, 2.7rem); font-weight: 800; letter-spacing: -0.04em; color: #fff; font-variant-numeric: tabular-nums; }
.calc-sub { color: #9fb4cb; font-size: var(--text-sm); }
.calc-totals { display: grid; gap: 10px; margin-block: 18px; }
.calc-total { display: flex; justify-content: space-between; gap: 12px; padding: 11px 4px; border-top: 1px solid rgba(255, 255, 255, 0.14); font-size: 0.97rem; }
.calc-total strong { color: #fff; font-variant-numeric: tabular-nums; }
.donut-wrap { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; }
/* SVG ring: full interest track underneath, principal arc on top with butt
   caps so the segment seam stays crisp with no overlap artifact. */
.donut-ring { width: 132px; height: 132px; flex: none; transform: rotate(-90deg); }
.donut-track { fill: none; stroke: #5b87b8; stroke-width: 18; }
.donut-arc {
  fill: none;
  stroke: #2fbf8f;
  stroke-width: 18;
  stroke-linecap: butt;
  transition: stroke-dasharray 0.6s var(--ease);
}
@media (prefers-reduced-motion: reduce) {
  .donut-arc { transition: none; }
}
.legend { display: grid; gap: 8px; font-size: var(--text-sm); color: #c4d3e4; }
.legend i { display: inline-block; width: 11px; height: 11px; border-radius: 3px; margin-right: 8px; }
.calc-note { font-size: var(--text-sm); color: #8fa6bd; margin-top: 16px; }
.calc-presets { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.preset { border: 1px solid var(--line); background: #fff; border-radius: var(--radius-pill); padding: 7px 14px; font-size: 0.85rem; font-weight: 700; color: var(--ink-soft); cursor: pointer; transition: background-color var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease); }
.preset:hover, .preset.is-active { border-color: var(--accent-600); color: var(--accent-700); background: var(--accent-50); }

/* ---------- Steps / Why / Trust ---------- */
.step-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 22px; position: relative; box-shadow: var(--shadow-xs); transition: transform var(--dur-med) var(--ease), box-shadow var(--dur-med) var(--ease), border-color var(--dur-med) var(--ease); }
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: #bcd3e8; }
.step-num { font-size: 0.8rem; font-weight: 800; letter-spacing: 0.1em; color: var(--accent-700); background: var(--accent-50); border: 1px solid var(--accent-100); display: inline-block; padding: 5px 12px; border-radius: var(--radius-pill); margin-bottom: 12px; }
.step-card h3 { margin-bottom: 8px; font-size: 1.12rem; letter-spacing: -0.015em; }
.step-card p { color: var(--muted); font-size: 0.95rem; }

.why-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px; display: grid; gap: 10px; align-content: start; transition: transform var(--dur-med) var(--ease), box-shadow var(--dur-med) var(--ease), border-color var(--dur-med) var(--ease); }
.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #bcd3e8; }
.why-card h3 { font-size: 1.12rem; letter-spacing: -0.015em; }
.why-card p { color: var(--muted); font-size: 0.94rem; }

.trust-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.trust-chip { border: 1px solid rgba(255, 255, 255, 0.18); background: rgba(255, 255, 255, 0.06); border-radius: var(--radius-md); padding: 20px 18px; box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.09); }
.trust-chip strong { display: block; color: #fff; margin-bottom: 4px; }
.trust-chip span { color: #9fb4cb; font-size: var(--text-sm); }
.disclosure { margin-top: 18px; font-size: var(--text-sm); color: #8fa6bd; border: 1px dashed rgba(255, 255, 255, 0.25); border-radius: var(--radius-md); padding: 14px 16px; }
.disclosure strong { color: #fff; }

.fineprint { margin-top: 14px; color: var(--muted); font-size: 0.88rem; }

/* ---------- Enquiry ---------- */
.enquiry { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.4rem, 3vw, 2.4rem); align-items: start; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: clamp(1.4rem, 2.6vw, 2rem); }
.form-card h3 { margin-bottom: 6px; }
.form-card > p { color: var(--muted); font-size: 0.95rem; margin-bottom: 16px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-grid .field--full { grid-column: 1 / -1; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: var(--text-sm); color: var(--muted); }
.consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--accent-600); flex: none; }
.form-success { display: none; background: var(--accent-50); border: 1px solid var(--accent-100); border-radius: var(--radius-md); padding: 16px; color: var(--accent-700); font-size: 0.95rem; margin-top: 14px; }
.form-success.is-visible { display: block; }
.form-error { display: none; background: #fdecea; border: 1px solid #f5c6c2; border-radius: var(--radius-md); padding: 16px; color: #8f1d17; font-size: 0.95rem; margin-top: 14px; }
.form-error.is-visible { display: block; }
.form-error a { color: inherit; font-weight: 700; }
/* Honeypot: off-screen for sighted users and AT; bots still see the field. */
.hp-field { position: absolute !important; left: -9999px !important; top: auto !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.contact-side { display: grid; gap: 14px; }
.contact-card { border-radius: var(--radius-lg); padding: 24px; border: 1px solid var(--line); background: #fff; }
.contact-card--navy { background: linear-gradient(180deg, var(--brand-900), var(--brand-950)); color: #dbe6f2; border-color: rgba(255, 255, 255, 0.12); box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255, 255, 255, 0.1); }
.contact-card--navy h3 { color: #fff; }
.contact-card h3 { margin-bottom: 8px; }
.contact-card p { font-size: 0.95rem; color: var(--muted); }
.contact-card--navy p { color: #9fb4cb; }
.contact-card a { font-weight: 700; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 10px; max-width: 800px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); overflow: clip; transition: box-shadow var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease); }
.faq-item:hover { border-color: #c3d5e7; }
.faq-item[data-open="true"] { border-color: #bcd3e8; box-shadow: var(--shadow-sm); }
.faq-q { width: 100%; background: none; border: 0; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 14px; padding: 17px 18px; font-weight: 700; font-size: 1rem; color: var(--brand-950); text-align: left; }
.faq-icon { flex: none; width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--brand-50); color: var(--brand-800); font-weight: 800; transition: transform var(--dur-med) var(--ease), background var(--dur-fast) var(--ease); }
.faq-item[data-open="true"] .faq-icon { transform: rotate(45deg); background: var(--accent-100); color: var(--accent-700); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows var(--dur-med) var(--ease); }
.faq-item[data-open="true"] .faq-a { grid-template-rows: 1fr; }
.faq-a > div { overflow: hidden; }
.faq-a p { padding: 0 18px 18px; color: var(--muted); font-size: 0.96rem; max-width: 62ch; }

/* ---------- CTA band ---------- */
.cta-band { background: radial-gradient(560px 220px at 92% -30px, rgba(255, 255, 255, 0.16), transparent 62%), linear-gradient(135deg, var(--accent-700), var(--accent-600) 55%, #1a8a66); border-radius: var(--radius-lg); color: #fff; padding: clamp(1.8rem, 4vw, 3rem); display: flex; justify-content: space-between; align-items: center; gap: 22px; flex-wrap: wrap; box-shadow: var(--shadow-md), inset 0 1px 0 rgba(255, 255, 255, 0.18); }
.cta-band h2 { color: #fff; font-size: clamp(1.4rem, 2.6vw, 1.9rem); margin-bottom: 8px; }
.cta-band p { color: var(--brand-100); max-width: 40rem; }
.cta-band .btn--primary { background: #ff7a6e; color: var(--brand-900); box-shadow: 0 12px 26px -14px rgba(0, 0, 0, 0.45); }
.cta-band .btn--primary:hover { background: #ff6a5b; color: var(--brand-900); }

/* ---------- Footer ---------- */
.footer { background: var(--brand-950); color: #aabcD1; font-size: 0.94rem; }
.footer__top { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1.1fr; gap: 28px; padding-block: clamp(2.4rem, 4vw, 3.6rem); }
.footer h3 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.footer p { color: #8fa6bd; font-size: 0.92rem; }
.footer ul { list-style: none; padding: 0; display: grid; gap: 9px; }
.footer a { color: #b9cbdd; text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer__brand .brand__tagline { color: #8fa6bd; }
.footer__brand .brand__text strong { color: var(--accent-500); }
.footer__bottom { border-top: 1px solid rgba(255, 255, 255, 0.12); padding-block: 18px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: var(--text-sm); color: #7e93a9; }
.footer__legal { padding-bottom: 26px; font-size: 0.8rem; color: #8fa6bd; max-width: 90ch; }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed;
  right: 20px;
  bottom: calc(20px + env(safe-area-inset-bottom, 0px));
  z-index: 90;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--accent-600);
  color: #fff !important;
  font-weight: 700;
  font-size: 0.92rem;
  text-decoration: none;
  padding: 13px 18px;
  border-radius: var(--radius-pill);
  box-shadow: var(--shadow-lift);
  transition: transform var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease);
}
.wa-float svg { flex: none; }
.wa-float:hover { transform: translateY(-2px); background: var(--accent-700); }

/* ---------- Product page helpers (reusable pattern) ---------- */
.page-hero { background: linear-gradient(180deg, #fbfdff, #eef4fa); border-bottom: 1px solid var(--line-soft); padding-block: clamp(2.2rem, 4vw, 3.4rem); }
.page-hero h1 { font-size: var(--text-2xl); margin-bottom: 10px; }
.snapshot { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; margin-block: 20px; }
.snapshot div { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); box-shadow: var(--shadow-xs); padding: 14px 16px; }
.snapshot small { display: block; font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }
.snapshot strong { color: var(--brand-950); }
.tick-list { list-style: none; padding: 0; display: grid; gap: 8px; color: var(--ink-soft); }
.tick-list li { display: flex; gap: 10px; }
.tick-list li::before { content: "✓"; color: var(--accent-600); font-weight: 800; }
/* Product pages: card + title + disclaimer reuse homepage tokens only. */
.section-title-sm { font-size: 1.3rem; letter-spacing: -0.015em; margin-bottom: 10px; }
.info-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 22px;
  box-shadow: var(--shadow-xs);
  min-width: 0;
}
.why-lead { color: var(--ink-soft); font-size: 0.95rem; margin-bottom: 12px; }
.disclaimer-sm { margin-top: 14px; color: var(--muted); font-size: 0.88rem; }
/* About page: restrained figure for the AM Group divisions artwork + light boundary notice. */
.about-figure {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
  padding: clamp(1rem, 2.5vw, 1.6rem);
  max-width: 430px;
  width: 100%;
  margin-inline: auto;
}
.about-figure img { border-radius: var(--radius-md); width: 100%; height: auto; }
.about-figure figcaption { margin-top: 12px; font-size: var(--text-sm); color: var(--muted); }
.boundary-card {
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent-500);
  border-radius: var(--radius-md);
  background: var(--paper);
  padding: 18px 20px;
  color: var(--ink-soft);
  font-size: 0.95rem;
}
.boundary-card strong { color: var(--brand-950); }

/* ---------- Responsive ---------- */
/* Narrow-desktop band: shed the secondary CTA. The stacked caption is
   narrow enough to keep beside the nav — no hiding needed. */
@media (max-width: 1200px) and (min-width: 1021px) {
  .header__cta .btn--ghost { display: none; }
  .brand__logo { height: 44px; }
  .nav { gap: 2px; }
  .nav a { padding: 10px 9px; }
}
@media (max-width: 1020px) {
  /* Advisor line absorbs all squeeze (ellipsis); phone + right group stay whole. */
  .topbar__inner { gap: 10px; }
  .topbar__group:first-child { overflow: hidden; }
  .topbar__group:first-child .topbar__item { min-width: 0; }
  .topbar__group:first-child .topbar__item:first-child { overflow: hidden; text-overflow: ellipsis; }
  .topbar__group:first-child .topbar__item + .topbar__item { flex: none; }
  .topbar__group:last-child { flex: none; }
  .nav, .header__cta .btn--ghost { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav.is-open {
    display: grid;
    position: absolute;
    top: calc(var(--header-h) - 4px);
    left: 16px; right: 16px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lift);
    padding: 10px;
    gap: 2px;
  }
  .nav.is-open a { padding: 13px 14px; font-size: 1rem; }
  .hero__inner { grid-template-columns: 1fr; }
  .hero-card--float { position: static; width: 100%; margin-top: 12px; }
  .elig__form { grid-template-columns: 1fr 1fr; }
  .loan-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .enquiry { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer__top { grid-template-columns: 1fr 1fr; }
  .snapshot { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 640px) {
  .topbar__item--hide-m { display: none; }
  /* Compact brand lockup — logo stays prominent, header height unchanged. */
  .brand { gap: 8px; }
  .brand__logo { height: 40px; }
  .brand--footer .brand__logo { height: 36px; }
  .brand--footer .brand__text strong { font-size: 0.98rem; }
  /* Header keeps the full single-line caption; shrink it to fit. */
  .header .brand__tagline { font-size: 0.64rem; letter-spacing: 0.01em; }
  /* Truncate the advisor line instead of overflowing the viewport. */
  .topbar__inner { gap: 10px; }
  .topbar__group:first-child { overflow: hidden; }
  .topbar__group:first-child .topbar__item { overflow: hidden; text-overflow: ellipsis; }
  .topbar__group:last-child { flex: none; }
  .header__inner { gap: 12px; }
  .header__cta .btn--primary { min-height: 42px; padding: 10px 14px; font-size: 0.85rem; }
  .hero .cluster .btn { flex: 1 1 100%; }
  .hero-card--float { padding: 14px 16px; }
  .elig { margin-top: -20px; border-radius: var(--radius-md); }
  .elig__form { grid-template-columns: 1fr; }
  .calc-presets { gap: 10px; }
  .preset {
    min-height: 44px;
    padding: 10px 18px;
    font-size: 0.9rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }
  .calc-inputs input { max-width: none; }
  .loan-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .info-card { padding: 18px; }
  .trust-grid { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .topbar__inner { font-size: 0.8rem; }
  .wa-float span { display: none; }
  .wa-float {
    width: 48px;
    height: 48px;
    padding: 0;
    justify-content: center;
    border-radius: 50%;
    right: calc(16px + env(safe-area-inset-right, 0px));
    bottom: calc(16px + env(safe-area-inset-bottom, 0px));
  }
}

/* Narrow phones (<=412px): the stacked lockup (logo + full caption + Apply
   + menu) cannot fit at 40px, so step the logo down to 34px and shrink the
   caption. The tightly cropped asset keeps the wordmark prominent even at
   this size. Header height unchanged. */
@media (max-width: 412px) {
  .brand { gap: 6px; }
  .brand__logo { height: 34px; }
  .brand--footer .brand__text strong { font-size: 0.82rem; }
  .header .brand__tagline { font-size: 0.55rem; }
  .header__inner { gap: 8px; }
}

/* Very small screens: tighten the lockup + actions so 360px viewports never overflow. */
@media (max-width: 380px) {
  .brand { gap: 6px; }
  .header__inner { gap: 8px; }
  .header__cta { gap: 6px; }
  .header__cta .btn--primary { padding: 10px 12px; font-size: 0.82rem; }
  .nav-toggle { width: 42px; height: 42px; }
}