/* =====================================================
   ASSETRA ASSOCIATES — Design System v4 (Dream Sky)
   Guiding Every Dream
   ===================================================== */

/* ---------- 1. Design Tokens ---------- */
:root {
    --c-bg: #FBF7EC;
    --c-cream: #FBF7EC;
    --c-cream-deep: #F3ECDC;
    --c-sky-50: #F3F8FF;
    --c-sky-200: #D7E9FF;
    --c-mint-50: #DCF3D2;
    --c-mint-25: #F2FAF0;

    --c-navy-900: #0C2032;
    --c-navy-850: #122A40;
    --c-navy-800: #16344E;
    --c-navy-700: #1F4566;
    --c-navy-600: #2C5A82;
    --c-surface: #0F1B2D;
    --c-surface-2: #142539;

    --c-green-700: #2E7D3A;
    --c-green-600: #3CA047;
    --c-green-500: #4CAF50;
    --c-green-400: #8EE063;
    --c-green-300: #B5F08A;

    --c-mint-200: #C7F4D6;
    --c-mint-100: #E5F8EC;
    --c-white: #FFFFFF;

    --c-ink: var(--c-navy-900);
    --c-text: rgba(12, 32, 50, 0.86);
    --c-text-muted: rgba(20, 45, 65, 0.62);
    --c-text-dim: rgba(20, 45, 65, 0.42);
    --c-border: rgba(76, 175, 80, 0.38);
    --c-border-strong: rgba(76, 175, 80, 0.58);
    --c-border-soft: rgba(12, 32, 50, 0.14);

    /* dedicated tokens for the sections that intentionally stay dark */
    --c-footer-text: rgba(232, 240, 252, 0.78);
    --c-footer-text-dim: rgba(195, 210, 230, 0.55);
    --c-footer-border: rgba(255, 255, 255, 0.08);
    --c-ctastrip-text: rgba(232, 240, 252, 0.92);
    --c-ctastrip-text-muted: rgba(195, 210, 230, 0.78);
    --c-hero-text: rgba(247, 251, 255, 0.97);
    --c-hero-text-muted: rgba(200, 217, 236, 0.74);
    --c-hero-border: rgba(255, 255, 255, 0.16);

    --grad-dark: linear-gradient(180deg, #0B1A2C 0%, #0C2032 100%);
    --grad-footer: linear-gradient(180deg, #0F1E30 0%, #0A1422 100%);
    --grad-hero: radial-gradient(ellipse 75% 55% at 82% 12%, rgba(255, 201, 138, 0.38) 0%, transparent 55%),
        radial-gradient(ellipse 60% 60% at 12% 88%, rgba(142, 224, 99, 0.22) 0%, transparent 55%),
        linear-gradient(180deg, #FFFBF2 0%, var(--c-mint-25) 55%, var(--c-mint-50) 100%);
    --grad-hero-dark: radial-gradient(ellipse 70% 55% at 85% 0%, rgba(142, 224, 99, 0.14) 0%, transparent 55%),
        radial-gradient(ellipse 60% 55% at 8% 100%, rgba(255, 201, 138, 0.10) 0%, transparent 55%),
        linear-gradient(165deg, #081222 0%, #0C2032 38%, #122A40 70%, #16344E 100%);
    --grad-hero-dusk: radial-gradient(ellipse 75% 55% at 82% 12%, rgba(255, 179, 92, 0.5) 0%, transparent 58%),
        radial-gradient(ellipse 60% 60% at 12% 88%, rgba(110, 200, 90, 0.4) 0%, transparent 58%),
        linear-gradient(165deg, #F6E9D4 0%, #CFE4FF 55%, #B8D9C9 100%);
    --grad-btn: linear-gradient(135deg, #4CAF50 0%, #8EE063 100%);
    --grad-btn-hover: linear-gradient(135deg, #3CA047 0%, #6FCC4A 100%);
    --grad-text-glow: linear-gradient(135deg, #8EE063 0%, #4CAF50 50%, #2E7D3A 100%);
    --grad-surface: linear-gradient(160deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.88) 100%);
    --grad-surface-hover: linear-gradient(160deg, rgba(255, 255, 255, 1) 0%, rgba(199, 244, 214, 0.92) 100%);

    --font-display: 'Manrope', 'Inter', system-ui, sans-serif;
    --font-body: 'Manrope', 'Inter', system-ui, sans-serif;

    --radius-sm: 10px;
    --radius-md: 16px;
    --radius-lg: 22px;
    --radius-xl: 28px;
    --radius-pill: 999px;

    --shadow-sm: 0 4px 16px rgba(20, 45, 65, 0.12);
    --shadow-md: 0 14px 32px rgba(20, 45, 65, 0.16);
    --shadow-lg: 0 24px 58px rgba(20, 45, 65, 0.20);
    --shadow-green: 0 8px 28px rgba(76, 175, 80, 0.32);
    --shadow-green-lg: 0 16px 48px rgba(76, 175, 80, 0.45);
    --glow-green: 0 0 32px rgba(142, 224, 99, 0.35);

    --container: 1260px;

    --t-fast: 200ms ease;
    --t-base: 320ms cubic-bezier(0.4, 0, 0.2, 1);
    --t-slow: 600ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- 2. Base / Reset ---------- */
*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.7;
    color: var(--c-text);
    background: var(--c-bg);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: var(--c-green-700);
    text-decoration: none;
    transition: color var(--t-fast);
}

a:hover {
    color: var(--c-green-600);
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: var(--font-display);
    color: var(--c-ink);
    font-weight: 700;
    line-height: 1.15;
    letter-spacing: -0.022em;
    margin: 0 0 0.6em;
}

h1 {
    font-size: clamp(2.6rem, 5.5vw, 4.6rem);
    font-weight: 800;
}

h2 {
    font-size: clamp(2rem, 3.6vw, 3rem);
    font-weight: 700;
    letter-spacing: -0.024em;
}

h3 {
    font-size: clamp(1.3rem, 2vw, 1.6rem);
}

h4 {
    font-size: 1.15rem;
}

p {
    margin: 0 0 1rem;
    color: var(--c-text-muted);
}

ul,
ol {
    margin: 0 0 1rem;
    padding-left: 1.2rem;
}

::selection {
    background: var(--c-green-400);
    color: var(--c-navy-900);
}

/* ---------- 3. Layout ---------- */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 28px;
}

.section {
    padding: 110px 0;
    position: relative;
    overflow: hidden;
}

.section--alt {
    background: var(--c-mint-25);
}

.section--surface {
    background: var(--c-mint-50);
}

.section--cream {
    background: var(--c-cream);
    color: var(--c-navy-900);
}

.section--cream h1,
.section--cream h2,
.section--cream h3,
.section--cream h4 {
    color: var(--c-navy-900);
}

.section--intro {
    padding: 68px 0;
}

.section--tool {
    padding: 76px 0;
}

/* Dream Sky section texture — soft out-of-focus colour washes so inner-page
   sections don't read as bare white paper. Pure CSS, no markup changes, so
   it applies to every page automatically. Cards/content sit on opaque
   backgrounds so the wash only shows in the empty space around them. */
.section::before,
.section::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    filter: blur(2px);
    pointer-events: none;
    z-index: 0;
}

.section::before {
    width: 440px;
    height: 440px;
    top: -160px;
    right: -140px;
    background: radial-gradient(circle, rgba(142, 224, 99, 0.22), transparent 72%);
}

.section::after {
    width: 360px;
    height: 360px;
    bottom: -140px;
    left: -110px;
    background: radial-gradient(circle, rgba(120, 190, 255, 0.20), transparent 72%);
}

.section--alt::before {
    background: radial-gradient(circle, rgba(142, 224, 99, 0.26), transparent 72%);
}

.section--alt::after {
    background: radial-gradient(circle, rgba(255, 255, 255, 0.5), transparent 72%);
}

.section--surface::before {
    background: radial-gradient(circle, rgba(76, 175, 80, 0.22), transparent 72%);
}

.section--surface::after {
    background: radial-gradient(circle, rgba(255, 255, 255, 0.45), transparent 72%);
}

.section>.container {
    position: relative;
    z-index: 1;
}

@media (max-width: 760px) {

    .section::before,
    .section::after {
        display: none;
    }
}

.section--cream p {
    color: var(--c-navy-700);
}

.section-head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 64px;
}

.section-head h2 em {
    font-style: normal;
}

.section-head p {
    font-size: 1.05rem;
    color: var(--c-text-muted);
}

.intro-stats {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 28px;
    margin-top: 26px;
}

.intro-stat {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.92rem;
    color: var(--c-navy-800);
}

.intro-stat i {
    color: var(--c-green-700);
    font-size: 1rem;
}

@media (max-width: 560px) {
    .intro-stats {
        gap: 16px;
    }
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.22em;
    color: var(--c-green-700);
    background: rgba(142, 224, 99, 0.20);
    border: 1px solid rgba(76, 175, 80, 0.45);
    padding: 7px 18px;
    border-radius: var(--radius-pill);
    margin-bottom: 22px;
}

.eyebrow::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--c-green-500);
    box-shadow: 0 0 10px var(--c-green-400);
}

/* gradient text helper */
.grad-text {
    background: var(--grad-text-glow);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    display: inline;
}

/* ---------- 4. Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 15px 30px;
    border-radius: var(--radius-pill);
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.94rem;
    border: none;
    cursor: pointer;
    transition: all var(--t-base);
    text-decoration: none;
    position: relative;
    overflow: hidden;
    letter-spacing: 0.01em;
    white-space: nowrap;
}

.btn--primary {
    background: var(--grad-btn);
    color: var(--c-navy-900);
    box-shadow: var(--shadow-green);
}

.btn--primary:hover {
    background: var(--grad-btn-hover);
    color: var(--c-navy-900);
    transform: translateY(-2px);
    box-shadow: var(--shadow-green-lg);
}

.btn--outline {
    background: transparent;
    color: var(--c-text);
    border: 1.5px solid rgba(12, 32, 50, 0.18);
}

.btn--outline:hover {
    background: rgba(142, 224, 99, 0.1);
    color: var(--c-green-700);
    border-color: var(--c-green-500);
    transform: translateY(-2px);
}

.btn--ghost {
    background: rgba(12, 32, 50, 0.04);
    color: var(--c-text);
    border: 1px solid var(--c-border-soft);
}

.btn--ghost:hover {
    background: rgba(142, 224, 99, 0.12);
    border-color: var(--c-green-500);
}

.btn--light {
    background: var(--c-white);
    color: var(--c-navy-900);
    font-weight: 700;
}

.btn--light:hover {
    background: var(--c-green-300);
    transform: translateY(-2px);
}

.btn--dark {
    background: var(--c-navy-900);
    color: var(--c-white);
    border: 1px solid var(--c-border-strong);
}

.btn--dark:hover {
    background: var(--c-navy-800);
    color: var(--c-green-300);
    transform: translateY(-2px);
}

.btn .arrow {
    display: inline-block;
    transition: transform var(--t-base);
}

.btn:hover .arrow {
    transform: translateX(4px);
}

/* ---------- 5. Header / Navbar ---------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
}

.topbar {
    background: var(--c-cream);
    color: var(--c-text);
    font-size: 0.82rem;
    padding: 10px 0;
    border-bottom: 1px solid var(--c-border-soft);
}

.topbar-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
}

.topbar a {
    color: var(--c-text-muted);
}

.topbar a:hover {
    color: var(--c-green-700);
}

.topbar-links {
    display: flex;
    gap: 22px;
    flex-wrap: wrap;
    list-style: none;
    margin: 0;
    padding: 0;
}

.topbar-links li {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.topbar-links i {
    color: var(--c-green-700);
    font-size: 0.78rem;
}

.topbar-social {
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.topbar-social span {
    color: var(--c-text-dim);
    font-size: 0.78rem;
}

.topbar-social a {
    width: 28px;
    height: 28px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(12, 32, 50, 0.05);
    border: 1px solid var(--c-border-soft);
    transition: all var(--t-fast);
}

.topbar-social a:hover {
    background: var(--c-green-500);
    color: var(--c-navy-900);
    border-color: var(--c-green-500);
}

.nav-wrap {
    background: rgba(255, 255, 255, 0.82);
    backdrop-filter: saturate(160%) blur(16px);
    -webkit-backdrop-filter: saturate(160%) blur(16px);
    border-bottom: 1px solid var(--c-border-soft);
    transition: all var(--t-base);
}

.site-header.is-scrolled .nav-wrap {
    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 4px 30px rgba(20, 45, 65, 0.15);
}

.nav-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 0;
    gap: 24px;
}

.brand {
    display: inline-flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    font-family: var(--font-display);
    text-decoration: none;
    color: var(--c-ink);
}

.brand-logo {
    height: 88px;
    width: auto;
    display: block;
}

.brand-tagline {
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--c-green-700);
    margin: -25px 0 0 96px;
}

/* Footer brand uses the transparent-bg / light-wordmark logo variant — needs brighter tagline + a touch more size */
.footer-brand-col .brand-logo {
    height: 54px;
}

.footer-brand-col .brand-tagline {
    color: var(--c-green-400);
    margin-bottom: 14px;
}

.brand-mark {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: var(--grad-btn);
    color: var(--c-navy-900);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    font-family: var(--font-display);
    box-shadow: var(--shadow-green);
    position: relative;
}

.brand-mark::after {
    content: '✦';
    position: absolute;
    top: -6px;
    right: -6px;
    width: 20px;
    height: 20px;
    background: var(--c-white);
    color: var(--c-green-600);
    border-radius: 50%;
    font-size: 0.65rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 2px 8px rgba(20, 45, 65, 0.2);
}

.brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1;
}

.brand-name {
    font-size: 1.45rem;
    font-weight: 800;
    color: var(--c-ink);
    letter-spacing: -0.025em;
}

.brand-tag {
    font-size: 0.65rem;
    color: var(--c-green-700);
    letter-spacing: 0.22em;
    text-transform: uppercase;
    margin-top: 4px;
    font-weight: 600;
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 2px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.main-nav>li {
    position: relative;
}

.main-nav>li>a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 16px;
    border-radius: var(--radius-pill);
    color: var(--c-text-muted);
    font-weight: 600;
    font-size: 0.92rem;
    font-family: var(--font-display);
    transition: all var(--t-fast);
}

.main-nav>li>a:hover,
.main-nav>li.is-active>a {
    background: rgba(142, 224, 99, 0.14);
    color: var(--c-green-700);
}

.main-nav li.has-sub>a::after {
    content: '▾';
    font-size: 0.65em;
    opacity: 0.6;
    margin-left: 2px;
}

.sub-menu {
    position: absolute;
    top: calc(100% + 14px);
    left: 0;
    background: var(--c-white);
    border-radius: var(--radius-md);
    padding: 10px;
    min-width: 220px;
    box-shadow: var(--shadow-lg);
    list-style: none;
    margin: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all var(--t-base);
    z-index: 50;
    border: 1px solid var(--c-border-soft);
}

.main-nav li.has-sub:hover .sub-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.sub-menu li a {
    display: block;
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    color: var(--c-text);
    font-weight: 500;
    font-size: 0.9rem;
}

.sub-menu li a:hover {
    background: rgba(142, 224, 99, 0.12);
    color: var(--c-green-700);
}

.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 12px;
}

.menu-toggle {
    display: none;
    width: 44px;
    height: 44px;
    border: 1px solid var(--c-border-strong);
    background: rgba(142, 224, 99, 0.1);
    border-radius: 12px;
    cursor: pointer;
    font-size: 1.1rem;
    color: var(--c-green-700);
}

/* mobile menu drawer */
.mobile-drawer {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(86%, 360px);
    height: 100vh;
    background: var(--c-white);
    color: var(--c-ink);
    padding: 80px 28px 28px;
    z-index: 200;
    overflow-y: auto;
    transition: right var(--t-base);
    box-shadow: -10px 0 40px rgba(20, 45, 65, 0.25);
    border-left: 1px solid var(--c-border);
}

.mobile-drawer.is-open {
    right: 0;
}

.mobile-drawer-close {
    position: absolute;
    top: 20px;
    right: 20px;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: rgba(142, 224, 99, 0.14);
    color: var(--c-green-700);
    border: none;
    font-size: 1.1rem;
    cursor: pointer;
}

.mobile-drawer ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.mobile-drawer>ul>li {
    border-bottom: 1px solid var(--c-border-soft);
}

.mobile-drawer>ul>li>a {
    display: block;
    padding: 16px 0;
    color: var(--c-ink);
    font-weight: 600;
    font-family: var(--font-display);
}

.mobile-drawer>ul>li>a:hover {
    color: var(--c-green-700);
}

.mobile-drawer .sub-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    padding: 0 0 12px 12px;
    background: transparent;
    border: none;
}

.mobile-drawer .sub-menu li a {
    color: var(--c-text-muted);
    padding: 8px 12px;
}

.mobile-drawer .sub-menu li a:hover {
    color: var(--c-green-700);
    background: transparent;
}

.drawer-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(5, 11, 20, 0.65);
    backdrop-filter: blur(4px);
    z-index: 150;
    opacity: 0;
    visibility: hidden;
    transition: all var(--t-base);
}

.drawer-backdrop.is-visible {
    opacity: 1;
    visibility: visible;
}

/* ---------- 6. Hero — Dream Door (centered, mascot-free glowing archway) ---------- */
.hero {
    position: relative;
    padding: 150px 0 140px;
    overflow: hidden;
    background: var(--grad-hero-dark);
    text-align: center;
}

.hero .eyebrow {
    background: rgba(142, 224, 99, 0.14);
    border-color: rgba(142, 224, 99, 0.4);
    color: var(--c-green-400);
}

/* Single static glow — atmosphere without a particle/canvas system */
.hero::before {
    content: '';
    position: absolute;
    top: 6%;
    left: 50%;
    width: 900px;
    height: 900px;
    transform: translate(-50%, -50%);
    background: radial-gradient(circle, rgba(142, 224, 99, 0.10), transparent 65%);
    pointer-events: none;
    z-index: 0;
}

.hero-stage {
    position: relative;
    z-index: 1;
    max-width: 740px;
    margin: 0 auto;
}

/* Simple fade-up reveal on load, staggered per block — one clean,
   predictable entrance, no per-word materialize/cursor effects. */
.hero-stage>* {
    opacity: 0;
    transform: translateY(16px);
    transition: opacity 0.7s cubic-bezier(.2, .8, .2, 1), transform 0.7s cubic-bezier(.2, .8, .2, 1);
}

.hero-stage.is-in>*:nth-child(1) {
    transition-delay: 0.05s;
}

.hero-stage.is-in>*:nth-child(2) {
    transition-delay: 0.16s;
}

.hero-stage.is-in>*:nth-child(3) {
    transition-delay: 0.27s;
}

.hero-stage.is-in>*:nth-child(4) {
    transition-delay: 0.38s;
}

.hero-stage.is-in>*:nth-child(5) {
    transition-delay: 0.49s;
}

.hero-stage.is-in>* {
    opacity: 1;
    transform: translateY(0);
}

/* One semantic <h1> (the two .door-line spans + the icon-image stand in for its
   text), made `display:contents` so its children become direct items of the
   surrounding CSS grid — lets the door illustration sit visually BETWEEN the
   two headline lines without splitting the heading into separate elements. */
.hero-headline-group {
    display: grid;
    justify-content: center;
    row-gap: 4px;
    margin-bottom: 22px;
}

.hero-headline {
    display: contents;
}

.door-line {
    display: block;
    font-size: clamp(2.1rem, 4.3vw, 3.5rem);
    line-height: 1.1;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--c-hero-text);
}

.door-line--top {
    grid-row: 1;
}

.door-line--bottom {
    grid-row: 3;
}

/* Accent treatment: plain solid-color text, no underline/highlighter bar. */
.door-line .accent {
    color: var(--c-green-400);
}

/* The doorway illustration itself: a glowing archway flanked by two columns
   of "keys" (loan types) hanging beside it — entirely icon/CSS-built, no
   mascot or external asset, per the standing no-mascot-in-hero rule. */
.hero-door-stage {
    grid-row: 2;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: clamp(16px, 3.4vw, 50px);
    margin: 20px 0 6px;
}

.door-keys {
    display: flex;
    flex-direction: column;
    gap: clamp(14px, 2vw, 22px);
}

.door-key {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    width: 60px;
}

.door-key i {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(142, 224, 99, 0.12);
    border: 1px solid rgba(142, 224, 99, 0.35);
    color: var(--c-green-400);
    font-size: 1.05rem;
}

.door-key span {
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--c-hero-text-muted);
}

.door-arch-wrap {
    position: relative;
    width: clamp(96px, 13vw, 140px);
    height: clamp(132px, 17vw, 188px);
    flex-shrink: 0;
}

.door-glow {
    position: absolute;
    inset: -28px;
    background: radial-gradient(circle, rgba(142, 224, 99, 0.45), transparent 70%);
    filter: blur(6px);
    animation: doorPulse 3.4s ease-in-out infinite;
    z-index: 0;
}

.door-arch {
    position: relative;
    z-index: 1;
    width: 100%;
    height: 100%;
    border-radius: 50% 50% 8px 8px / 56% 56% 8px 8px;
    background: linear-gradient(180deg, rgba(232, 242, 255, 0.95), rgba(142, 224, 99, 0.55));
    border: 2px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 0 40px rgba(142, 224, 99, 0.5), inset 0 0 26px rgba(255, 255, 255, 0.4);
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Plain CSS door slab + knob — replaces a Font Awesome glyph that read as
   ambiguous (looked like a fuel-pump symbol) at this size/contrast. A flat
   rounded-top rectangle with a single round knob is unambiguous at any size. */
.door-icon {
    position: relative;
    width: 36%;
    height: 64%;
    background: #173a1c;
    border-radius: 50% 50% 3px 3px / 34% 34% 3px 3px;
}

.door-icon::after {
    content: '';
    position: absolute;
    top: 50%;
    right: 16%;
    width: 12%;
    height: 12%;
    border-radius: 50%;
    background: rgba(232, 242, 255, 0.92);
    transform: translateY(-50%);
}

.door-star {
    position: absolute;
    width: 6px;
    height: 6px;
    background: #fff;
    border-radius: 50%;
    box-shadow: 0 0 8px 2px rgba(255, 255, 255, 0.8);
    animation: doorTwinkle 2.6s ease-in-out infinite;
    z-index: 2;
}

.door-star--1 {
    top: -4px;
    left: 6px;
    animation-delay: 0s;
}

.door-star--2 {
    top: 22px;
    right: -10px;
    animation-delay: 0.8s;
}

.door-star--3 {
    bottom: 34px;
    left: -12px;
    animation-delay: 1.6s;
}

.door-badge {
    position: absolute;
    bottom: -16px;
    left: 50%;
    transform: translateX(-50%);
    white-space: nowrap;
    padding: 6px 14px;
    border-radius: 999px;
    font-size: 0.7rem;
    font-weight: 700;
    color: #0c2410;
    background: linear-gradient(135deg, #8ee063, #4caf50);
    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.35);
    z-index: 2;
}

@keyframes doorPulse {

    0%,
    100% {
        opacity: 0.7;
        transform: scale(1);
    }

    50% {
        opacity: 1;
        transform: scale(1.08);
    }
}

@keyframes doorTwinkle {

    0%,
    100% {
        opacity: 0.2;
        transform: scale(0.8);
    }

    50% {
        opacity: 1;
        transform: scale(1.2);
    }
}

.hero-sub {
    font-size: 1.1rem;
    max-width: 480px;
    margin: 0 auto 36px;
    color: var(--c-hero-text-muted);
    line-height: 1.7;
    text-align: center;
}

.hero-cta {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    justify-content: center;
    margin: 0 0 30px;
}

.hero .btn--outline {
    color: var(--c-hero-text);
    border-color: var(--c-hero-border);
}

.hero .btn--outline:hover {
    background: rgba(142, 224, 99, 0.14);
    color: var(--c-green-300);
    border-color: var(--c-green-400);
}

.hero-stats-inline {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px 26px;
    padding-top: 22px;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.hero-stat-inline {
    font-size: 0.92rem;
    color: var(--c-hero-text-muted);
}

.hero-stat-inline strong {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--c-green-400);
    margin-right: 4px;
}

/* Storybook Page-Turn: torn-paper seam where the dark hero "page" ends and the
   next (light) section's page shows through underneath. Pure decoration —
   color is hardcoded to match .section--alt's background exactly so the torn
   shape reads as the page beneath, not a random shape. */
.hero-page-tear {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: clamp(40px, 6vw, 70px);
    z-index: 3;
    pointer-events: none;
    filter: drop-shadow(0 -7px 11px rgba(4, 10, 20, 0.4));
}

.hero-page-tear svg {
    display: block;
    width: 100%;
    height: 100%;
}

@media (prefers-reduced-motion: reduce) {
    .hero-stage>* {
        transition: none;
        opacity: 1;
        transform: none;
    }

    .door-glow,
    .door-star {
        animation: none;
    }
}

/* ---------- 7. Loan Cards (UNIFORM 3x2 GRID) ---------- */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.loan-card {
    background: var(--grad-surface);
    border: 1px solid var(--c-border);
    border-radius: var(--radius-lg);
    padding: 32px 28px 28px;
    box-shadow: var(--shadow-sm);
    transition: all var(--t-base);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    backdrop-filter: blur(6px);
}

.loan-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--c-green-400), transparent);
    opacity: 0;
    transition: opacity var(--t-base);
}

.loan-card::after {
    content: '';
    position: absolute;
    top: -50%;
    right: -30%;
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(142, 224, 99, 0.16) 0%, transparent 70%);
    opacity: 0;
    transition: opacity var(--t-base);
    pointer-events: none;
}

.loan-card:hover {
    transform: translateY(-6px);
    background: var(--grad-surface-hover);
    border-color: var(--c-border-strong);
    box-shadow: var(--shadow-lg);
}

.loan-card:hover::before {
    opacity: 1;
}

.loan-card:hover::after {
    opacity: 1;
}

.loan-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: rgba(142, 224, 99, 0.24);
    color: var(--c-green-700);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 22px;
    border: 1px solid var(--c-border-strong);
    transition: all var(--t-base);
}

.loan-card:hover .loan-icon {
    background: var(--grad-btn);
    color: var(--c-navy-900);
    border-color: transparent;
    box-shadow: var(--shadow-green);
    transform: scale(1.05);
}

.loan-card h3 {
    font-size: 1.35rem;
    margin-bottom: 8px;
    font-weight: 700;
    color: var(--c-ink);
}

.loan-card p {
    font-size: 0.92rem;
    margin-bottom: 20px;
    line-height: 1.65;
    color: var(--c-text-muted);
    min-height: 48px;
}

.loan-amt {
    font-family: var(--font-display);
    font-size: 1.7rem;
    font-weight: 800;
    background: var(--grad-text-glow);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    line-height: 1;
    margin-bottom: 4px;
    letter-spacing: -0.02em;
}

.loan-amt-lbl {
    font-size: 0.68rem;
    color: var(--c-text-dim);
    text-transform: uppercase;
    letter-spacing: 0.15em;
    font-weight: 700;
    margin-bottom: 18px;
}

.loan-meta {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    padding: 14px 0;
    border-top: 1px solid var(--c-border-soft);
    border-bottom: 1px solid var(--c-border-soft);
    margin-bottom: 18px;
}

.loan-meta-item {
    font-size: 0.78rem;
    color: var(--c-text-muted);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 600;
}

.loan-meta-item i {
    color: var(--c-green-700);
    font-size: 0.75rem;
}

.loan-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--c-green-700);
    font-weight: 700;
    font-family: var(--font-display);
    font-size: 0.9rem;
    margin-top: auto;
    transition: all var(--t-base);
}

.loan-link:hover {
    gap: 14px;
    color: var(--c-green-600);
}

/* ---------- 8. Eligibility (White card on light bg) ---------- */
.eligi-card {
    background: var(--c-white);
    border-radius: var(--radius-xl);
    padding: 50px;
    border: 1px solid var(--c-border);
    box-shadow: 0 30px 80px rgba(20, 45, 65, 0.16), 0 0 40px rgba(142, 224, 99, 0.15);
    max-width: 920px;
    margin: 0 auto;
    position: relative;
    overflow: hidden;
}

.eligi-card::before {
    content: '';
    position: absolute;
    top: -1px;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--grad-btn);
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.form-group label {
    display: block;
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--c-navy-900);
    margin-bottom: 8px;
    font-family: var(--font-display);
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.form-control,
.form-select {
    width: 100%;
    padding: 15px 18px;
    border: 1.5px solid rgba(13, 27, 42, 0.1);
    border-radius: 12px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--c-navy-900);
    background: rgba(13, 27, 42, 0.02);
    transition: all var(--t-fast);
}

.form-control:focus,
.form-select:focus {
    outline: none;
    border-color: var(--c-green-500);
    background: var(--c-white);
    box-shadow: 0 0 0 4px rgba(76, 175, 80, 0.12);
}

.form-control::placeholder {
    color: rgba(13, 27, 42, 0.4);
}

textarea.form-control {
    resize: vertical;
    min-height: 130px;
}

.form-full {
    grid-column: 1 / -1;
}

.form-msg {
    margin-top: 16px;
    font-size: 0.9rem;
}

.form-msg.ok {
    color: var(--c-green-700);
}

.form-msg.err {
    color: #c0392b;
}

.result-box {
    margin-top: 28px;
    padding: 24px 28px;
    border-radius: var(--radius-md);
    display: none;
}

.result-box.ok {
    background: var(--c-mint-100);
    border-left: 4px solid var(--c-green-500);
    color: var(--c-navy-900);
}

.result-box.warn {
    background: #FFF8E1;
    border-left: 4px solid #F59E0B;
    color: #7C5800;
}

/* ---------- 9. Process Timeline ---------- */
.process-rail {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

.process-rail::before {
    content: '';
    position: absolute;
    top: 46px;
    left: 7%;
    right: 7%;
    height: 1px;
    background: repeating-linear-gradient(to right, rgba(76, 175, 80, 0.45) 0 12px, transparent 12px 22px);
    z-index: 0;
}

.process-step {
    text-align: center;
    position: relative;
    z-index: 2;
}

.process-step-num {
    width: 90px;
    height: 90px;
    margin: 0 auto 22px;
    background: var(--grad-surface);
    border: 1px solid var(--c-border-strong);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    color: var(--c-green-700);
    position: relative;
    transition: all var(--t-base);
    backdrop-filter: blur(8px);
}

.process-step-num::before {
    content: attr(data-step);
    position: absolute;
    top: -6px;
    right: -6px;
    width: 30px;
    height: 30px;
    background: var(--grad-btn);
    color: var(--c-navy-900);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.82rem;
    font-weight: 800;
    font-family: var(--font-display);
    box-shadow: var(--shadow-green);
}

.process-step:hover .process-step-num {
    background: var(--grad-btn);
    color: var(--c-navy-900);
    transform: translateY(-4px);
    box-shadow: var(--shadow-green);
    border-color: transparent;
}

.process-step h4 {
    margin-bottom: 6px;
    font-size: 1.1rem;
    color: var(--c-ink);
}

.process-step p {
    font-size: 0.88rem;
    color: var(--c-text-muted);
}

/* ---------- 10. Bank Partners Marquee ---------- */
.marquee {
    overflow: hidden;
    position: relative;
    mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
    -webkit-mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}

.marquee-track {
    display: flex;
    gap: 24px;
    animation: marquee 45s linear infinite;
    width: max-content;
}

.marquee:hover .marquee-track {
    animation-play-state: paused;
}

@keyframes marquee {
    0% {
        transform: translateX(0);
    }

    100% {
        transform: translateX(-50%);
    }
}

.partner-tile {
    flex: 0 0 auto;
    width: 160px;
    height: 88px;
    background: rgba(255, 255, 255, 0.96);
    border-radius: var(--radius-md);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px;
    transition: all var(--t-base);
    border: 1px solid var(--c-border-soft);
}

.partner-tile:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(20, 45, 65, 0.18);
    border-color: var(--c-border-strong);
}

.partner-tile img {
    max-width: 100%;
    max-height: 56px;
    object-fit: contain;
}

/* ---------- 11. Stats ---------- */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.stat-card {
    background: var(--grad-surface);
    border-radius: var(--radius-lg);
    padding: 36px 24px;
    text-align: center;
    border: 1px solid var(--c-border);
    position: relative;
    transition: all var(--t-base);
    backdrop-filter: blur(6px);
}

.stat-card:hover {
    transform: translateY(-6px);
    border-color: var(--c-border-strong);
    background: var(--grad-surface-hover);
}

.stat-card .num {
    font-family: var(--font-display);
    font-size: 3.2rem;
    font-weight: 800;
    line-height: 1;
    background: var(--grad-text-glow);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    margin-bottom: 10px;
    letter-spacing: -0.03em;
}

.stat-card .lbl {
    font-size: 0.92rem;
    color: var(--c-text-muted);
    font-weight: 600;
}

.stat-card .ico {
    width: 52px;
    height: 52px;
    background: rgba(142, 224, 99, 0.14);
    border: 1px solid var(--c-border-strong);
    color: var(--c-green-700);
    border-radius: 14px;
    margin: 0 auto 18px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
}

/* ---------- 11b. Dream Scene (painterly mascot illustration banner) ----------
   Wide painterly illustration used as a section accent — distinct from the
   flat-vector .tool-illustration icons (fintools.html). One per page, pilot
   on personal-loan.html. Scoped narrowly; not a global section component. */
.dream-scene {
    margin: 8px 0 32px;
    text-align: center;
}

.dream-scene img {
    width: 100%;
    max-width: 760px;
    margin: 0 auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

/* ---------- 12. Why Us / Features ----------
   Flexbox, not a fixed-3 grid: cards grow/wrap to fill each row fully, so a
   4-card section lands as one even row of 4 and a leftover row of 2/3 cards
   stretches to fill the line instead of stranding a lone orphan card (the
   "3 cards then 1 alone" bug reported 2026-06-20). Works for any card count
   used across the site (2, 3, 4, or 6) without per-section markup changes. */
.why-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 22px;
}

.why-card {
    background: var(--grad-surface);
    border-radius: var(--radius-lg);
    padding: 36px 30px;
    border: 1px solid var(--c-border);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-base);
    position: relative;
    overflow: hidden;
    backdrop-filter: blur(6px);
    flex: 1 1 260px;
    max-width: 400px;
}

.why-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--grad-btn);
    opacity: 0.85;
}

.why-card:hover {
    transform: translateY(-6px);
    border-color: var(--c-border-strong);
    background: var(--grad-surface-hover);
    box-shadow: var(--shadow-lg), var(--shadow-green);
}

.why-icon {
    width: 60px;
    height: 60px;
    border-radius: 16px;
    background: var(--grad-btn);
    color: var(--c-navy-900);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 22px;
    box-shadow: var(--shadow-green);
}

.why-card h4 {
    font-size: 1.25rem;
    margin-bottom: 12px;
    color: var(--c-ink);
}

.why-card>p {
    color: var(--c-text-muted);
}

.why-card ul {
    list-style: none;
    padding: 0;
    margin: 18px 0 0;
}

.why-card ul li {
    padding: 9px 0 9px 26px;
    position: relative;
    color: var(--c-text-muted);
    font-size: 0.9rem;
    border-top: 1px solid var(--c-border-soft);
}

.why-card ul li:first-child {
    border-top: none;
}

.why-card ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 13px;
    width: 16px;
    height: 16px;
    background: var(--c-green-500);
    border-radius: 50%;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%230C2032' d='M6.5 11.2L3.7 8.4l-1.4 1.4L6.5 14l8-8-1.4-1.4z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
    background-size: 12px;
}

/* ---------- 13. Testimonials ---------- */
.testi-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.testi-card {
    background: var(--grad-surface);
    border-radius: var(--radius-lg);
    padding: 36px 30px;
    position: relative;
    border: 1px solid var(--c-border);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-base);
    backdrop-filter: blur(6px);
}

.testi-card:hover {
    transform: translateY(-6px);
    border-color: var(--c-border-strong);
    background: var(--grad-surface-hover);
    box-shadow: var(--shadow-md);
}

.testi-quote {
    position: absolute;
    top: 22px;
    right: 26px;
    font-size: 3.5rem;
    color: rgba(76, 175, 80, 0.22);
    font-family: var(--font-display);
    line-height: 0.8;
    font-weight: 800;
}

.testi-stars {
    color: var(--c-green-600);
    margin-bottom: 14px;
    font-size: 0.9rem;
    letter-spacing: 0.15em;
}

.testi-text {
    font-size: 0.96rem;
    color: var(--c-text);
    line-height: 1.7;
    margin-bottom: 22px;
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 14px;
    padding-top: 18px;
    border-top: 1px solid var(--c-border-soft);
}

.testi-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--grad-btn);
    color: var(--c-navy-900);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.05rem;
    box-shadow: var(--shadow-green);
}

.testi-name {
    font-family: var(--font-display);
    font-weight: 700;
    color: var(--c-ink);
    line-height: 1.2;
    font-size: 1rem;
}

.testi-role {
    font-size: 0.82rem;
    color: var(--c-text-dim);
    margin-top: 2px;
}

/* ---------- 14. FAQ Accordion ---------- */
.faq-list {
    max-width: 920px;
    margin: 0 auto;
}

.faq-item {
    background: var(--grad-surface);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    border: 1px solid var(--c-border);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    transition: all var(--t-base);
    backdrop-filter: blur(6px);
}

.faq-item.is-open {
    border-color: var(--c-border-strong);
    background: var(--grad-surface-hover);
    box-shadow: var(--shadow-md);
}

.faq-q {
    width: 100%;
    text-align: left;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 22px 26px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.02rem;
    color: var(--c-ink);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}

.faq-q::after {
    content: '+';
    flex: 0 0 32px;
    width: 32px;
    height: 32px;
    background: rgba(142, 224, 99, 0.14);
    color: var(--c-green-700);
    border: 1px solid var(--c-border-strong);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 700;
    transition: all var(--t-fast);
}

.faq-item.is-open .faq-q::after {
    content: '−';
    background: var(--grad-btn);
    color: var(--c-navy-900);
    border-color: transparent;
    box-shadow: var(--shadow-green);
}

.faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--t-base);
}

.faq-item.is-open .faq-a {
    max-height: 600px;
}

.faq-a-inner {
    padding: 0 26px 24px;
    color: var(--c-text-muted);
    line-height: 1.7;
}

/* ---------- 15. CTA Strip ---------- */
.cta-strip {
    background: linear-gradient(135deg, #0F1B2D 0%, #142539 60%, #1A3050 100%);
    color: var(--c-ctastrip-text);
    padding: 60px 56px;
    border-radius: var(--radius-xl);
    margin: 60px 0;
    position: relative;
    overflow: hidden;
    border: 1px solid var(--c-border-strong);
    box-shadow: 0 30px 80px rgba(20, 45, 65, 0.3);
}

.cta-strip::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 20% 50%, rgba(76, 175, 80, 0.18) 0%, transparent 35%),
        radial-gradient(circle at 80% 50%, rgba(142, 224, 99, 0.15) 0%, transparent 35%);
}

.cta-strip-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 36px;
    position: relative;
    z-index: 2;
    flex-wrap: wrap;
}

.cta-strip h3 {
    color: var(--c-white);
    margin: 0;
    max-width: 640px;
    font-size: clamp(1.5rem, 2.4vw, 2rem);
    line-height: 1.25;
}

.cta-strip p {
    color: var(--c-ctastrip-text-muted);
    margin: 8px 0 0;
}

/* ---------- 16. Breadcrumb ---------- */
.breadcrumb-bar {
    background: var(--grad-hero);
    color: var(--c-text);
    padding: 90px 0 70px;
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--c-border);
}

.breadcrumb-bar--dusk {
    background: var(--grad-hero-dusk);
    padding: 64px 0 50px;
}

.breadcrumb-bar::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle, rgba(76, 175, 80, 0.1) 1px, transparent 1px);
    background-size: 32px 32px;
    pointer-events: none;
    opacity: 0.6;
}

.breadcrumb-bar>* {
    position: relative;
    z-index: 2;
}

.breadcrumb-bar h1 {
    color: var(--c-ink);
    margin-bottom: 14px;
    font-size: clamp(2.2rem, 4vw, 3.2rem);
}

.breadcrumb-trail {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    list-style: none;
    margin: 0;
    padding: 0;
    color: var(--c-text-muted);
    font-size: 0.92rem;
}

.breadcrumb-trail a {
    color: var(--c-green-700);
    font-weight: 600;
}

.breadcrumb-trail li::after {
    content: '/';
    margin-left: 12px;
    opacity: 0.4;
}

.breadcrumb-trail li:last-child::after {
    display: none;
}

/* ---------- 17. Footer (intentionally dark — closes the journey at "night") ---------- */
.site-footer {
    background: var(--grad-footer);
    color: var(--c-footer-text);
    padding: 80px 0 0;
    position: relative;
    overflow: hidden;
    border-top: 1px solid var(--c-footer-border);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr repeat(3, 1fr) 1.3fr;
    gap: 40px;
    margin-bottom: 60px;
}

.footer-brand-text {
    font-size: 0.92rem;
    color: var(--c-footer-text);
    margin-top: 18px;
    line-height: 1.75;
}

.footer-social {
    display: inline-flex;
    gap: 10px;
    margin-top: 22px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.06);
    color: var(--c-white);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: all var(--t-fast);
    border: 1px solid var(--c-footer-border);
}

.footer-social a:hover {
    background: var(--grad-btn);
    color: var(--c-navy-900);
    border-color: transparent;
    transform: translateY(-3px);
}

.footer-col h5 {
    color: var(--c-white);
    font-family: var(--font-display);
    font-size: 1rem;
    margin-bottom: 22px;
    position: relative;
    padding-bottom: 12px;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.footer-col h5::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 30px;
    height: 2px;
    background: var(--grad-btn);
    border-radius: 2px;
}

.footer-col ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-col li {
    padding: 7px 0;
}

.footer-col a {
    color: var(--c-footer-text);
    font-size: 0.92rem;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: all var(--t-fast);
}

.footer-col a:hover {
    color: var(--c-green-400);
    padding-left: 4px;
}

.footer-info-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 18px;
    font-size: 0.9rem;
    color: var(--c-footer-text);
    line-height: 1.6;
}

.footer-info-item i {
    width: 36px;
    height: 36px;
    background: rgba(142, 224, 99, 0.14);
    color: var(--c-green-400);
    border-radius: 11px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border: 1px solid var(--c-border-strong);
    font-size: 0.88rem;
}

.footer-info-item a {
    color: var(--c-footer-text);
}

.footer-info-item a:hover {
    color: var(--c-green-400);
}

.footer-bar {
    border-top: 1px solid var(--c-footer-border);
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.86rem;
}

.footer-bar a {
    color: var(--c-footer-text);
}

.footer-bar a:hover {
    color: var(--c-green-400);
}

.footer-bar-links {
    display: inline-flex;
    gap: 20px;
    list-style: none;
    margin: 0;
    padding: 0;
}

/* ---------- 18. Floating widgets ---------- */
.float-whatsapp,
.float-up {
    position: fixed;
    z-index: 99;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--c-white);
    font-size: 1.4rem;
    transition: all var(--t-base);
    border: none;
    cursor: pointer;
}

.float-whatsapp {
    background: #25D366;
    bottom: 28px;
    left: 28px;
    box-shadow: 0 10px 28px rgba(37, 211, 102, 0.45);
}

.float-whatsapp:hover {
    background: #1ebe57;
    color: var(--c-white);
    transform: scale(1.08);
}

.float-up {
    background: var(--grad-btn);
    color: var(--c-navy-900);
    bottom: 28px;
    right: 28px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    box-shadow: var(--shadow-green);
}

.float-up.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.float-up:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-green-lg);
}

/* ---------- 19. Reveal animations ---------- */
.reveal {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity var(--t-slow), transform var(--t-slow);
}

.reveal.in-view {
    opacity: 1;
    transform: translateY(0);
}

/* ---------- 20. Utility ---------- */
.text-center {
    text-align: center;
}

.mt-0 {
    margin-top: 0;
}

.mt-1 {
    margin-top: 12px;
}

.mt-2 {
    margin-top: 24px;
}

.mt-3 {
    margin-top: 36px;
}

.mt-4 {
    margin-top: 48px;
}

.mb-0 {
    margin-bottom: 0;
}

.mb-1 {
    margin-bottom: 12px;
}

.mb-2 {
    margin-bottom: 24px;
}

.result-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px dashed var(--c-border-soft);
}

.result-row:last-child {
    border-bottom: none;
}

.result-row strong {
    font-family: var(--font-display);
    color: var(--c-green-700);
    font-weight: 800;
}

/* ---------- 21. Responsive ---------- */
@media (max-width: 1100px) {
    .loans-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr 1fr;
    }

    .footer-brand-col {
        grid-column: 1 / -1;
    }
}

@media (max-width: 900px) {
    .section {
        padding: 80px 0;
    }

    .topbar {
        display: none;
    }

    .menu-toggle {
        display: inline-flex;
        align-items: center;
        justify-content: center;
    }

    .main-nav {
        display: none;
    }

    .nav-cta .btn {
        display: none;
    }

    .nav-cta .menu-toggle {
        display: inline-flex;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .why-grid {
        flex-direction: column;
    }

    .why-card {
        max-width: 100%;
    }

    .testi-grid {
        grid-template-columns: 1fr;
    }

    .process-rail {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px;
    }

    .process-rail::before {
        display: none;
    }

    .form-grid {
        grid-template-columns: 1fr;
    }

    .cta-strip {
        padding: 50px 32px;
    }

    .cta-strip-row {
        text-align: center;
        justify-content: center;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }

    .footer-brand-col {
        grid-column: 1 / -1;
    }
}

@media (max-width: 600px) {
    .hero-stats-inline {
        gap: 8px 18px;
    }

    .hero-stat-inline {
        font-size: 0.84rem;
    }

    .hero-stat-inline strong {
        font-size: 0.96rem;
    }

    /* Declutter the doorway at phone widths: drop the 2nd key per column
       (one loan-type icon per side is enough), shrink the badge text so it
       doesn't overflow past the narrower arch. */
    .door-key:nth-child(2) {
        display: none;
    }

    .door-badge {
        font-size: 0.62rem;
        padding: 5px 10px;
    }

    h1 {
        font-size: 2.4rem;
    }

    h2 {
        font-size: 1.9rem;
    }

    .hero {
        padding: 70px 0 90px;
    }

    .loans-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .stats-grid {
        grid-template-columns: 1fr;
    }

    .eligi-card {
        padding: 32px 24px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
    }

    .nav-bar {
        padding: 12px 0;
    }

    .brand-logo {
        height: 60px;
    }

    .brand-tagline {
        font-size: 0.5rem;
        letter-spacing: 0.08em;
        margin: -14px 0 0 56px;
    }
}

/* ---------- 22. Mascot Scroll Companion (Assetra) ---------- */
.mascot-companion {
    position: fixed;
    top: 58%;
    right: 26px;
    transform: translateY(-50%);
    width: 210px;
    z-index: 70;
    pointer-events: none;
    opacity: 0;
    transition: opacity 0.6s ease;
}

.mascot-companion.is-active {
    opacity: 1;
}

.mascot-companion img {
    width: 100%;
    display: block;
    filter: drop-shadow(0 16px 30px rgba(20, 45, 65, 0.22));
    animation: mascotBob 4.5s ease-in-out infinite;
    transition: opacity 0.35s ease, transform 0.35s ease;
}

.mascot-companion.is-swapping img {
    opacity: 0;
    transform: scale(0.92) translateY(6px);
}

@keyframes mascotBob {

    0%,
    100% {
        transform: translateY(0) rotate(-1.5deg);
    }

    50% {
        transform: translateY(-14px) rotate(1.5deg);
    }
}

.mascot-bubble {
    position: absolute;
    bottom: 100%;
    right: 6px;
    margin-bottom: 14px;
    background: var(--c-white);
    color: var(--c-ink);
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.78rem;
    line-height: 1.4;
    padding: 10px 14px;
    border-radius: 14px;
    box-shadow: var(--shadow-md);
    max-width: 168px;
    text-align: left;
    opacity: 0;
    transform: translateY(6px) scale(0.95);
    transition: opacity 0.4s ease, transform 0.4s ease;
}

.mascot-bubble::after {
    content: '';
    position: absolute;
    bottom: -6px;
    right: 22px;
    width: 14px;
    height: 14px;
    background: var(--c-white);
    transform: rotate(45deg);
    box-shadow: 2px 2px 4px rgba(20, 45, 65, 0.06);
}

.mascot-companion.is-active .mascot-bubble {
    opacity: 1;
    transform: translateY(0) scale(1);
}

@media (max-width: 1100px) {
    .mascot-companion {
        width: 150px;
        right: 12px;
    }

    .mascot-bubble {
        font-size: 0.76rem;
        max-width: 160px;
        padding: 9px 13px;
    }
}

/* Quiet mode — inner pages keep the mascot as a calm brand mark instead of
   the full animated homepage companion (no bob, no speech bubble, smaller).
   Added 2026-06-20 per feedback that the full widget on every page felt
   like too much. Class is added to .mascot-companion on every page except
   index.html. */
.mascot-companion--quiet {
    width: 124px;
}

.mascot-companion--quiet img {
    animation: none;
    filter: drop-shadow(0 10px 18px rgba(20, 45, 65, 0.18));
}

.mascot-companion--quiet .mascot-bubble {
    display: none;
}

@media (max-width: 1100px) {
    .mascot-companion--quiet {
        width: 96px;
    }
}

@media (max-width: 760px) {
    .mascot-companion {
        display: none;
    }
}

/* ---------- 23. Inner Pages (loan products, tools, content pages) ---------- */
/* Standalone checkmark list — same green-tick bullet as .why-card ul li,
   but usable anywhere (documents, eligibility, spec-card bullets) without
   needing the card wrapper. */
.check-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.check-list li {
    padding: 9px 0 9px 26px;
    position: relative;
    color: var(--c-text-muted);
    font-size: 0.92rem;
    line-height: 1.5;
    border-top: 1px solid var(--c-border-soft);
}

.check-list li:first-child {
    border-top: none;
}

.check-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 13px;
    width: 16px;
    height: 16px;
    background: var(--c-green-500);
    border-radius: 50%;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%230C2032' d='M6.5 11.2L3.7 8.4l-1.4 1.4L6.5 14l8-8-1.4-1.4z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
    background-size: 12px;
}

.check-list strong {
    color: var(--c-ink);
}

/* Intro layout: text column + a stat-highlight side panel (reuses .eligi-card
   look at a smaller scale via inline composition with .loan-amt/.loan-amt-lbl). */
.intro-grid {
    display: grid;
    grid-template-columns: 1.3fr 0.85fr;
    gap: 48px;
    align-items: center;
}

.intro-panel {
    background: var(--c-white);
    border-radius: var(--radius-xl);
    padding: 30px 32px;
    box-shadow: 0 30px 80px rgba(20, 45, 65, 0.16), 0 0 40px rgba(142, 224, 99, 0.15);
    position: relative;
    overflow: hidden;
}

.intro-panel::before {
    content: '';
    position: absolute;
    top: -1px;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--grad-btn);
}

.intro-panel-stat {
    margin-bottom: 22px;
    padding-bottom: 22px;
    border-bottom: 1px solid var(--c-border);
}

.intro-panel-stat:last-child {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

/* Spec cards — "Interest Rates / Processing Fee / Other Charges" or
   "Loan Amount / Interest Rates / Repayment Terms" 3-up panels used across
   every loan product page's rates section. */
.spec-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.spec-card {
    background: var(--grad-surface);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    border: 1px solid var(--c-border);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-base);
    backdrop-filter: blur(6px);
    position: relative;
    overflow: hidden;
}

.spec-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--grad-btn);
    opacity: 0.85;
}

.spec-card:hover {
    transform: translateY(-6px);
    border-color: var(--c-border-strong);
    background: var(--grad-surface-hover);
    box-shadow: var(--shadow-lg), var(--shadow-green);
}

.spec-card h4 {
    font-size: 1.1rem;
    margin-bottom: 6px;
    color: var(--c-ink);
}

.spec-card>p {
    font-size: 0.88rem;
    color: var(--c-text-muted);
    margin-bottom: 16px;
}

.spec-value {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    background: var(--grad-text-glow);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    line-height: 1;
    margin-bottom: 16px;
    letter-spacing: -0.01em;
}

.spec-card .check-list li {
    font-size: 0.86rem;
    padding: 7px 0 7px 24px;
}

@media (max-width: 900px) {
    .intro-grid {
        grid-template-columns: 1fr;
    }

    .spec-grid {
        grid-template-columns: 1fr;
    }
}

/* ---------- 24. Data Tables (loan-rates bank comparisons, loan-guide glossary) ---------- */
.table-card {
    background: var(--grad-surface);
    border-radius: var(--radius-lg);
    border: 1px solid var(--c-border);
    padding: 6px;
    backdrop-filter: blur(6px);
}

.table-wrap {
    overflow-x: auto;
    border-radius: var(--radius-md);
}

.data-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 580px;
    font-size: 0.92rem;
}

.data-table th,
.data-table td {
    padding: 14px 18px;
    text-align: left;
    border-bottom: 1px solid var(--c-border-soft);
}

.data-table thead th {
    background: var(--c-navy-900);
    color: var(--c-white);
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    white-space: nowrap;
}

.data-table thead th:first-child {
    border-radius: var(--radius-sm) 0 0 0;
}

.data-table thead th:last-child {
    border-radius: 0 var(--radius-sm) 0 0;
}

.data-table tbody tr:nth-child(even) {
    background: rgba(76, 175, 80, 0.05);
}

.data-table tbody tr:hover {
    background: var(--c-mint-100);
}

.data-table tbody tr:last-child td {
    border-bottom: none;
}

.data-table td strong {
    color: var(--c-ink);
}

.data-table caption {
    text-align: left;
    padding: 14px 18px 6px;
    font-family: var(--font-display);
    font-weight: 700;
    color: var(--c-ink);
    font-size: 1rem;
}

/* Two-column glossary / definition table — no horizontal scroll needed */
.data-table--glossary {
    min-width: 0;
}

.data-table--glossary th:first-child,
.data-table--glossary td:first-child {
    width: 28%;
    font-weight: 700;
    color: var(--c-ink);
    white-space: normal;
}

.data-table--glossary td {
    color: var(--c-text-muted);
}

@media (max-width: 700px) {
    .data-table {
        font-size: 0.84rem;
    }

    .data-table th,
    .data-table td {
        padding: 11px 14px;
    }
}

/* ---------- Fintools extras: jump-nav, CIBIL meter, comparison, budget bars, masking ---------- */
.tool-jumpnav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
    max-width: 920px;
    margin: 0 auto;
}

.tool-jumpnav a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    border-radius: 999px;
    background: var(--c-white);
    border: 1.5px solid var(--c-border);
    color: var(--c-navy-900);
    font-family: var(--font-display);
    font-size: 0.84rem;
    font-weight: 700;
    text-decoration: none;
    box-shadow: var(--shadow-sm);
    transition: all var(--t-fast);
}

.tool-jumpnav a:hover {
    background: var(--grad-btn);
    border-color: transparent;
    color: var(--c-navy-900);
    transform: translateY(-2px);
    box-shadow: var(--shadow-green);
}

.tool-jumpnav a i {
    font-size: 0.9rem;
}

/* CIBIL score meter */
.score-meter {
    position: relative;
    height: 14px;
    border-radius: 999px;
    background: linear-gradient(to right, #e0544c, #f0b94f, var(--c-green-500));
    margin: 40px 0 14px;
}

.score-pointer {
    position: absolute;
    top: -26px;
    transform: translateX(-50%);
    transition: left 0.6s ease;
    left: 50%;
}

.score-pointer span {
    display: block;
    background: var(--c-navy-900);
    color: var(--c-white);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 0.78rem;
    padding: 5px 10px;
    border-radius: 8px;
    white-space: nowrap;
    position: relative;
}

.score-pointer span::after {
    content: '';
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    border: 6px solid transparent;
    border-top-color: var(--c-navy-900);
}

.score-scale-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--c-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.score-tag {
    display: inline-block;
    padding: 5px 14px;
    border-radius: 999px;
    font-size: 0.78rem;
    font-weight: 700;
}

.score-tag.poor {
    background: rgba(224, 84, 76, 0.15);
    color: #c0392b;
}

.score-tag.fair {
    background: rgba(240, 185, 79, 0.18);
    color: #9c6f0f;
}

.score-tag.good,
.score-tag.excellent {
    background: var(--c-mint-100);
    color: var(--c-green-700);
}

/* Loan comparison */
.compare-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 920px;
    margin: 0 auto;
}

.compare-grid .spec-card {
    text-align: left;
}

.compare-grid .spec-card h4 {
    margin-bottom: 18px;
}

.compare-grid .form-group+.form-group {
    margin-top: 16px;
}

.compare-actions {
    text-align: center;
    margin-top: 32px;
}

/* Budget planner bars */
.budget-bars {
    margin-top: 22px;
}

.budget-bar {
    margin-bottom: 14px;
}

.budget-bar-label {
    display: flex;
    justify-content: space-between;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--c-navy-900);
    margin-bottom: 6px;
}

.budget-bar-track {
    height: 10px;
    border-radius: 999px;
    background: rgba(13, 27, 42, 0.06);
    overflow: hidden;
}

.budget-bar-fill {
    height: 100%;
    border-radius: 999px;
    background: var(--grad-btn);
    transition: width 0.6s ease;
}

/* Document masking */
.mask-result-row {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 14px 0;
    border-bottom: 1px dashed var(--c-border-soft);
}

.mask-result-row:last-child {
    border-bottom: none;
}

.mask-result-row span.lbl {
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: var(--c-text-muted);
}

.mask-result-row strong {
    font-family: 'Courier New', monospace;
    font-size: 1.05rem;
    color: var(--c-ink);
    letter-spacing: 0.04em;
}

@media (max-width: 700px) {
    .compare-grid {
        grid-template-columns: 1fr;
    }
}

/* ---------- Tool icon-split layout (replaces centered section-head + stacked card) ---------- */
.tool-block {
    display: grid;
    grid-template-columns: minmax(220px, 320px) 1fr;
    gap: 44px;
    align-items: start;
}

.tool-block--reverse {
    grid-template-columns: 1fr minmax(220px, 320px);
}

.tool-block--reverse .tool-intro {
    order: 2;
}

.tool-block--reverse .eligi-card {
    order: 1;
}

.tool-intro {
    padding-top: 6px;
}

.tool-intro p {
    font-size: 1.05rem;
    line-height: 1.65;
}

.tool-illustration {
    width: 172px;
    height: 172px;
    margin-bottom: 14px;
}

.tool-illustration img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    filter: drop-shadow(0 10px 20px rgba(12, 32, 50, 0.14));
}

@media (max-width: 900px) {
    .tool-illustration {
        width: 128px;
        height: 128px;
    }
}

.tool-intro .eyebrow {
    display: inline-block;
    margin-bottom: 8px;
}

.tool-intro h2 {
    margin-top: 0;
}

.tool-points {
    list-style: none;
    margin: 20px 0 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 11px;
}

.tool-points li {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    font-size: 0.9rem;
    line-height: 1.4;
    color: var(--c-text-muted);
}

.tool-points li i {
    color: var(--c-green-600);
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 0.85rem;
}

@media (max-width: 900px) {

    .tool-block,
    .tool-block--reverse {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .tool-block--reverse .tool-intro,
    .tool-block--reverse .eligi-card {
        order: initial;
    }

    .tool-intro {
        text-align: left;
    }
}

/* ---------- Visual result components: ring gauge + icon chips ---------- */
.result-visual {
    display: flex;
    align-items: center;
    gap: 26px;
    flex-wrap: wrap;
    margin-bottom: 8px;
}

@property --emi-p {
    syntax: '<number>';
    inherits: false;
    initial-value: 0;
}

.result-ring {
    width: 132px;
    height: 132px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    background: rgba(13, 27, 42, 0.07);
    transition: background 0.6s ease;
}

/* EMI ring: arc driven by the registered --emi-p custom property so the
   conic sweep tweens smoothly instead of snapping (other fintools rings keep
   setting an inline background, which overrides this). */
.result-ring--emi {
    background: conic-gradient(var(--c-green-500) calc(var(--emi-p) * 1%), rgba(13, 27, 42, 0.10) 0);
    transition: --emi-p 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

.result-ring-inner {
    width: 102px;
    height: 102px;
    border-radius: 50%;
    background: var(--c-white);
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 4px;
}

.result-ring-value {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.02rem;
    color: var(--c-navy-900);
    line-height: 1.15;
}

.result-ring-label {
    font-size: 0.64rem;
    color: var(--c-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-top: 3px;
}

.result-chips {
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
    min-width: 180px;
}

.result-chip {
    display: flex;
    align-items: center;
    gap: 10px;
    background: var(--c-mint-100);
    border-radius: 10px;
    padding: 9px 14px;
}

.result-chip i {
    color: var(--c-green-700);
    font-size: 0.95rem;
    flex-shrink: 0;
}

.result-chip .chip-label {
    font-size: 0.78rem;
    color: var(--c-text-muted);
}

.result-chip .chip-value {
    font-family: var(--font-display);
    font-weight: 700;
    color: var(--c-navy-900);
    margin-left: auto;
    font-size: 0.92rem;
}

@media (max-width: 480px) {
    .result-visual {
        justify-content: center;
        text-align: center;
    }

    .result-chips {
        width: 100%;
    }
}

/* ==========================================================================
   23. Premium-fintech animation layer  (scoped to body.pl-animated)
   Added 2026-06-22 for the personal-loan page "stunning animated" pass.
   Everything here is gated behind .pl-animated so other pages are untouched,
   and the whole block is disabled under prefers-reduced-motion at the end.
   ========================================================================== */

/* -- Directional / zoom reveal variants (extend the base .reveal observer) -- */
.pl-animated .reveal--left {
    transform: translateX(-46px);
}

.pl-animated .reveal--right {
    transform: translateX(46px);
}

.pl-animated .reveal--zoom {
    transform: scale(0.92);
}

.pl-animated .reveal--left.in-view,
.pl-animated .reveal--right.in-view,
.pl-animated .reveal--zoom.in-view {
    transform: none;
}

/* -- Staggered entrance for cards inside a grid -- */
.pl-animated .why-grid>.reveal,
.pl-animated .spec-grid>.reveal {
    transition-delay: 0s;
}

.pl-animated .why-grid>.reveal:nth-child(1),
.pl-animated .spec-grid>.reveal:nth-child(1) {
    transition-delay: 0.04s;
}

.pl-animated .why-grid>.reveal:nth-child(2),
.pl-animated .spec-grid>.reveal:nth-child(2) {
    transition-delay: 0.12s;
}

.pl-animated .why-grid>.reveal:nth-child(3),
.pl-animated .spec-grid>.reveal:nth-child(3) {
    transition-delay: 0.20s;
}

.pl-animated .why-grid>.reveal:nth-child(4),
.pl-animated .spec-grid>.reveal:nth-child(4) {
    transition-delay: 0.28s;
}

.pl-animated .why-grid>.reveal:nth-child(5) {
    transition-delay: 0.36s;
}

.pl-animated .why-grid>.reveal:nth-child(6) {
    transition-delay: 0.44s;
}

/* -- Shimmer sweep across the green gradient headings -- */
.pl-animated .grad-text {
    background-size: 220% auto;
    animation: plShimmer 5s linear infinite;
}

@keyframes plShimmer {
    to {
        background-position: 220% center;
    }
}

/* -- Card icon micro-motion + light sheen sweep on hover -- */
.pl-animated .why-icon {
    transition: transform var(--t-base), box-shadow var(--t-base);
}

.pl-animated .why-card:hover .why-icon {
    transform: translateY(-4px) scale(1.08) rotate(-5deg);
    box-shadow: var(--shadow-green-lg);
}

.pl-animated .why-card::after,
.pl-animated .spec-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: -120%;
    width: 70%;
    height: 100%;
    background: linear-gradient(100deg, transparent 0%, rgba(255, 255, 255, 0.55) 50%, transparent 100%);
    transform: skewX(-18deg);
    transition: left 0.7s cubic-bezier(0.4, 0, 0.2, 1);
    pointer-events: none;
}

.pl-animated .why-card:hover::after,
.pl-animated .spec-card:hover::after {
    left: 140%;
}

/* -- Intro stat panel: subtle continuous float + stat number pop -- */
.pl-animated .intro-panel {
    animation: plPanelFloat 6s ease-in-out infinite;
}

@keyframes plPanelFloat {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-8px);
    }
}

.pl-animated .intro-panel-stat .loan-amt {
    transition: transform var(--t-base);
}

.pl-animated .intro-panel:hover .intro-panel-stat .loan-amt {
    transform: scale(1.04);
}

/* -- Parallax "dream scene" stage + floating accent motes -- */
.pl-animated .dream-stage {
    position: relative;
    max-width: 820px;
    margin: 8px auto 32px;
    padding: 18px 30px 30px;
}

.pl-animated .dream-stage .dream-scene {
    margin: 0;
}

.pl-animated .dream-stage .dream-scene img {
    will-change: transform;
    transition: transform 0.15s linear, box-shadow var(--t-base);
}

.pl-animated .dream-glow {
    position: absolute;
    inset: 6% 12%;
    border-radius: 50%;
    background: radial-gradient(closest-side, rgba(142, 224, 99, 0.30), transparent 75%);
    filter: blur(28px);
    z-index: 0;
    animation: plGlowPulse 5.5s ease-in-out infinite;
}

@keyframes plGlowPulse {

    0%,
    100% {
        opacity: 0.55;
        transform: scale(1);
    }

    50% {
        opacity: 0.9;
        transform: scale(1.06);
    }
}

.pl-animated .dream-stage .dream-scene {
    position: relative;
    z-index: 1;
}

.pl-animated .dream-float {
    position: absolute;
    z-index: 2;
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 14px;
    background: var(--c-white);
    color: var(--c-green-700);
    font-size: 1.05rem;
    box-shadow: var(--shadow-md), 0 0 18px rgba(142, 224, 99, 0.35);
    will-change: transform;
    animation: plFloatBob 4.5s ease-in-out infinite;
}

.pl-animated .dream-float--1 {
    top: 8%;
    left: 4%;
    animation-delay: 0s;
}

.pl-animated .dream-float--2 {
    top: 18%;
    right: 5%;
    animation-delay: 0.8s;
}

.pl-animated .dream-float--3 {
    bottom: 16%;
    left: 7%;
    animation-delay: 1.6s;
}

.pl-animated .dream-float--4 {
    bottom: 10%;
    right: 8%;
    animation-delay: 2.4s;
    width: 40px;
    height: 40px;
    font-size: 0.95rem;
}

@keyframes plFloatBob {

    0%,
    100% {
        transform: translateY(var(--py, 0px)) rotate(-3deg);
    }

    50% {
        transform: translateY(calc(var(--py, 0px) - 14px)) rotate(3deg);
    }
}

@media (max-width: 600px) {
    .pl-animated .dream-float {
        width: 36px;
        height: 36px;
        font-size: 0.85rem;
    }

    .pl-animated .dream-stage {
        padding: 12px 8px 24px;
    }
}

/* -- Reduced-motion: strip every decorative animation added above -- */
@media (prefers-reduced-motion: reduce) {

    .pl-animated .grad-text,
    .pl-animated .intro-panel,
    .pl-animated .dream-glow,
    .pl-animated .dream-float {
        animation: none !important;
    }

    .pl-animated .dream-stage .dream-scene img {
        transform: none !important;
    }

    .result-ring--emi {
        transition: none;
    }
}

/* ==========================================================================
   24. Combo 05 "Fresh Canopy + Lime Sprout" re-skin + skeuo/maximalist blend
   Scoped to body.pl-combo05 (personal-loan pilot). Maximalist = feature zones
   (breadcrumb banner, intro, advantage/use cards, CTA). Skeuomorphic = trust
   zones (stat panel, rates spec cards, EMI calculator, form, ring).
   ========================================================================== */

/* -- 24a. Palette token overrides (re-colours everything token-driven) -- */
body.pl-combo05 {
    --c-bg: #FBFDF6;
    --c-cream: #FBFDF6;
    --c-cream-deep: #F1F6E6;
    --c-mint-25: #F4F8EC;
    --c-mint-50: #EAF2DC;
    --c-mint-100: #EEF6E0;
    --c-mint-200: #D8EBBE;

    --c-green-700: #2D5016;
    --c-green-600: #3E6B22;
    --c-green-500: #5C8A2E;
    --c-green-400: #C6F24E;
    --c-green-300: #E4FD97;

    --c-ink: #23311E;
    --c-text: rgba(35, 49, 30, 0.86);
    --c-text-muted: rgba(45, 58, 38, 0.62);
    --c-text-dim: rgba(45, 58, 38, 0.45);

    --c-border: rgba(92, 138, 46, 0.34);
    --c-border-strong: rgba(92, 138, 46, 0.55);
    --c-border-soft: rgba(35, 49, 30, 0.12);

    --grad-btn: linear-gradient(180deg, #C6F24E 0%, #A6DC3C 100%);
    --grad-btn-hover: linear-gradient(180deg, #B6E840 0%, #93C92E 100%);
    --grad-text-glow: linear-gradient(135deg, #6FA82E 0%, #2D5016 100%);
    --grad-surface: linear-gradient(160deg, #FFFFFF 0%, #F7FBEF 100%);
    --grad-surface-hover: linear-gradient(160deg, #FFFFFF 0%, #EAF6CF 100%);
    --grad-footer: linear-gradient(180deg, #243620 0%, #18260F 100%);

    --shadow-green: 0 8px 28px rgba(120, 170, 40, 0.30);
    --shadow-green-lg: 0 16px 48px rgba(120, 170, 40, 0.42);
    --glow-green: 0 0 32px rgba(198, 242, 78, 0.40);

    --c-footer-text: rgba(232, 244, 212, 0.80);
    --c-footer-border: rgba(228, 253, 151, 0.12);
}

/* eyebrow pills (hardcoded rgba in base) -> lime tint */
body.pl-combo05 .eyebrow {
    background: rgba(198, 242, 78, 0.22);
    border-color: rgba(92, 138, 46, 0.45);
    color: #060606;
}

/* kill the old green/blue ambient section washes, retint to lime/forest */
body.pl-combo05 .section::before {
    background: radial-gradient(circle, rgba(198, 242, 78, 0.20), transparent 72%);
}

body.pl-combo05 .section::after {
    background: radial-gradient(circle, rgba(45, 80, 22, 0.10), transparent 72%);
}

body.pl-combo05 .section--alt::before {
    background: radial-gradient(circle, rgba(198, 242, 78, 0.24), transparent 72%);
}

body.pl-combo05 .section--alt::after {
    background: radial-gradient(circle, rgba(255, 255, 255, 0.5), transparent 72%);
}

body.pl-combo05 .section--surface::before {
    background: radial-gradient(circle, rgba(92, 138, 46, 0.20), transparent 72%);
}

body.pl-combo05 .section--surface::after {
    background: radial-gradient(circle, rgba(255, 255, 255, 0.45), transparent 72%);
}

/* -- 24b. MAXIMALIST feature zones -- */

/* Dark forest breadcrumb banner with layered lime shapes */
body.pl-combo05 .breadcrumb-bar {
    background: linear-gradient(160deg, #2D3E2C 0%, #20301E 100%);
    border-bottom: none;
    padding: 50px 0 42px;
}

body.pl-combo05 .breadcrumb-bar::after {
    background-image: radial-gradient(circle, rgba(198, 242, 78, 0.14) 1.3px, transparent 1.3px);
    background-size: 26px 26px;
}

body.pl-combo05 .breadcrumb-bar::before {
    content: '';
    position: absolute;
    top: -70px;
    right: -50px;
    width: 230px;
    height: 230px;
    background: radial-gradient(circle, rgba(198, 242, 78, 0.20), transparent 70%);
    border-radius: 50%;
    pointer-events: none;
    z-index: 1;
}

body.pl-combo05 .breadcrumb-bar .eyebrow {
    margin-bottom: 14px;
}

body.pl-combo05 .breadcrumb-bar h1 {
    color: #E4FD97;
    font-size: clamp(2rem, 3.8vw, 3rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    margin-bottom: 10px;
}

body.pl-combo05 .breadcrumb-sub {
    color: rgba(228, 244, 205, 0.80);
    font-size: 1.02rem;
    line-height: 1.6;
    max-width: 560px;
    margin: 0 0 16px;
}

body.pl-combo05 .breadcrumb-bar .eyebrow {
    background: rgba(198, 242, 78, 0.18);
    border-color: rgba(198, 242, 78, 0.40);
    color: #E4FD97;
}

body.pl-combo05 .breadcrumb-trail {
    color: rgba(220, 235, 200, 0.70);
}

body.pl-combo05 .breadcrumb-trail a {
    color: #C6F24E;
}

body.pl-combo05 .breadcrumb-trail li::after {
    color: rgba(220, 235, 200, 0.5);
}

/* Punchier section headings + bolder cards in the feature zones */
body.pl-combo05 .section-head h2 {
    font-weight: 800;
    letter-spacing: -0.03em;
}

body.pl-combo05 .why-card {
    border-width: 1.5px;
}

body.pl-combo05 .why-card::before {
    height: 5px;
    opacity: 1;
}

body.pl-combo05 .why-card:hover {
    transform: translateY(-8px) scale(1.015);
}

body.pl-combo05 .why-icon {
    background: #2D3E2C;
    color: #C6F24E;
    box-shadow: 0 6px 18px rgba(45, 62, 44, 0.30);
}

/* Dark forest maximalist CTA strip */
body.pl-combo05 .cta-strip {
    background: linear-gradient(150deg, #2D3E2C 0%, #1C2A18 65%, #2D5016 100%);
    color: rgba(232, 244, 212, 0.92);
}

body.pl-combo05 .cta-strip h3 {
    color: #E4FD97;
}

body.pl-combo05 .cta-strip .eyebrow {
    background: rgba(198, 242, 78, 0.16);
    border-color: rgba(198, 242, 78, 0.38);
    color: #E4FD97;
}

/* lime accent on the dream-scene glow + floats */
body.pl-combo05 .dream-glow {
    background: radial-gradient(closest-side, rgba(198, 242, 78, 0.38), transparent 75%);
}

body.pl-combo05 .dream-float {
    box-shadow: var(--shadow-md), 0 0 18px rgba(198, 242, 78, 0.40);
}

/* -- 24c. SKEUOMORPHIC trust zones (soft tactile depth, no harsh bevels) -- */

/* Pressable primary buttons everywhere */
body.pl-combo05 .btn--primary {
    color: #23311E;
    box-shadow: 0 8px 18px rgba(120, 160, 40, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.70), inset 0 -2px 4px rgba(90, 120, 30, 0.22);
}

body.pl-combo05 .btn--primary:hover {
    color: #23311E;
}

body.pl-combo05 .btn--primary:active {
    transform: translateY(1px);
    box-shadow: 0 3px 8px rgba(120, 160, 40, 0.30), inset 0 2px 4px rgba(90, 120, 30, 0.25);
}

/* Stat panel — tactile raised card */
body.pl-combo05 .intro-panel {
    background: linear-gradient(170deg, #FFFFFF 0%, #F2F8E6 100%);
    box-shadow: 0 18px 40px rgba(45, 62, 44, 0.16), inset 0 1px 0 rgba(255, 255, 255, 0.90);
    border: 1px solid rgba(45, 62, 44, 0.07);
}

/* Rates spec cards — raised tactile, value becomes an inset chip */
body.pl-combo05 .spec-card {
    background: linear-gradient(170deg, #FFFFFF 0%, #F4F9EA 100%);
    box-shadow: 0 12px 28px rgba(45, 62, 44, 0.12), inset 0 1px 0 rgba(255, 255, 255, 0.85);
    border: 1px solid rgba(45, 62, 44, 0.08);
}

body.pl-combo05 .spec-value {
    -webkit-text-fill-color: #2D5016;
    color: #2D5016;
    background: #EEF6DE;
    -webkit-background-clip: border-box;
    background-clip: border-box;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.14);
    border-radius: 12px;
    padding: 8px 14px;
    display: inline-block;
    margin: 4px 0 14px;
}

/* EMI calculator card — deepest tactile surface */
body.pl-combo05 .eligi-card {
    background: linear-gradient(170deg, #FFFFFF 0%, #F3F8E8 100%);
    box-shadow: 0 22px 50px rgba(45, 62, 44, 0.16), inset 0 1px 0 rgba(255, 255, 255, 0.90);
    border: 1px solid rgba(45, 62, 44, 0.07);
}

/* Recessed (inset) form fields */
body.pl-combo05 .form-control,
body.pl-combo05 .form-select {
    background: #F7FBEF;
    border: 1px solid rgba(45, 62, 44, 0.14);
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.10);
}

body.pl-combo05 .form-control:focus,
body.pl-combo05 .form-select:focus {
    border-color: #5C8A2E;
    background: #FFFFFF;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.10), 0 0 0 4px rgba(150, 200, 60, 0.18);
}

/* EMI ring — inset track + raised inner dial */
body.pl-combo05 .result-ring--emi {
    background: conic-gradient(#5C8A2E calc(var(--emi-p) * 1%), #E4ECD6 0);
}

body.pl-combo05 .result-ring {
    box-shadow: inset 0 2px 6px rgba(45, 62, 44, 0.18);
}

body.pl-combo05 .result-ring-inner {
    box-shadow: 0 6px 16px rgba(45, 62, 44, 0.18), inset 0 1px 0 rgba(255, 255, 255, 0.90);
}

body.pl-combo05 .result-chip {
    background: linear-gradient(180deg, #FFFFFF 0%, #F2F8E6 100%);
    box-shadow: 0 3px 8px rgba(45, 62, 44, 0.08), inset 0 1px 0 #FFFFFF;
    border: 1px solid rgba(45, 62, 44, 0.07);
}

/* ==========================================================================
   25. Fintools upgrade — sticky scroll-spy nav, tactile sliders, icon badges
   (fintools.html only; nav/slider/badge classes don't appear elsewhere).
   ========================================================================== */

/* Sticky jump-nav as a floating glass pill-bar; top is refined by JS to the
   live header height. */
.tool-jumpnav {
    position: sticky;
    top: 104px;
    z-index: 40;
    background: #F1F7E4;
    padding: 12px 14px;
    border-radius: 22px;
    box-shadow: 0 10px 30px rgba(45, 62, 44, 0.18), inset 0 1px 0 rgba(255, 255, 255, 0.6);
    border: 1px solid rgba(45, 62, 44, 0.12);
}

.tool-jumpnav a.is-active {
    background: var(--grad-btn);
    border-color: transparent;
    color: #23311E;
    box-shadow: var(--shadow-green);
}

/* Tactile (skeuo) range sliders synced to the number inputs */
.tool-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 10px;
    margin-top: 12px;
    border-radius: 999px;
    background: #E4ECD6;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.22);
    outline: none;
    cursor: pointer;
}

.tool-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: linear-gradient(180deg, #C6F24E 0%, #A6DC3C 100%);
    border: 2px solid #FFFFFF;
    box-shadow: 0 3px 8px rgba(120, 160, 40, 0.45), inset 0 1px 0 rgba(255, 255, 255, 0.7);
    cursor: grab;
}

.tool-range::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #B6E840;
    border: 2px solid #FFFFFF;
    box-shadow: 0 3px 8px rgba(120, 160, 40, 0.45);
    cursor: grab;
}

.tool-range:active::-webkit-slider-thumb {
    cursor: grabbing;
}

/* On-brand tactile icon badge replacing the old raster tool illustrations */
.tool-badge {
    width: 96px;
    height: 96px;
    border-radius: 26px;
    background: linear-gradient(160deg, #2D3E2C 0%, #1F2D1E 100%);
    color: #C6F24E;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 2.4rem;
    margin-bottom: 18px;
    box-shadow: 0 14px 30px rgba(45, 62, 44, 0.28), inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.pl-animated .tool-badge {
    transition: transform var(--t-base), box-shadow var(--t-base);
}

.pl-animated .tool-block:hover .tool-badge {
    transform: translateY(-4px) rotate(-4deg) scale(1.05);
    box-shadow: 0 18px 40px rgba(45, 62, 44, 0.34);
}

@media (max-width: 900px) {
    .tool-badge {
        width: 78px;
        height: 78px;
        font-size: 2rem;
    }
}

/* ==========================================================================
   26. Conversational contact chat (contact.html). Skeuo Combo 05 chat UI +
   direct-channel side panel. Chat-* / side-channel classes are page-unique.
   ========================================================================== */
.contact-grid {
    display: grid;
    grid-template-columns: 1.25fr 0.85fr;
    gap: 28px;
    align-items: start;
    max-width: 1040px;
    margin: 0 auto;
}

/* --- Chat card --- */
.chat-card {
    background: linear-gradient(170deg, #FFFFFF 0%, #F3F8E8 100%);
    border-radius: var(--radius-xl);
    border: 1px solid rgba(45, 62, 44, 0.08);
    box-shadow: 0 26px 56px rgba(45, 62, 44, 0.16), inset 0 1px 0 rgba(255, 255, 255, 0.9);
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.chat-head {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 20px;
    background: linear-gradient(150deg, #2D3E2C 0%, #1F2D1E 100%);
    color: #fff;
}

.chat-avatar {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: #0C2032;
    border: 2px solid #C6F24E;
    overflow: hidden;
    flex-shrink: 0;
    display: flex;
    align-items: flex-end;
    justify-content: center;
}

.chat-avatar img {
    width: 88%;
    height: auto;
}

.chat-name {
    font-family: var(--font-display);
    font-weight: 800;
    color: #E4FD97;
    font-size: 1.02rem;
}

.chat-status {
    font-size: 0.74rem;
    color: rgba(220, 235, 200, 0.78);
    display: flex;
    align-items: center;
    gap: 6px;
}

.chat-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #6FE26F;
    box-shadow: 0 0 0 0 rgba(111, 226, 111, 0.6);
    animation: chatPulse 2s infinite;
}

@keyframes chatPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(111, 226, 111, 0.55);
    }

    70% {
        box-shadow: 0 0 0 7px rgba(111, 226, 111, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(111, 226, 111, 0);
    }
}

.chat-log {
    padding: 20px;
    min-height: 320px;
    max-height: 440px;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.chat-msg {
    display: flex;
    gap: 9px;
    max-width: 86%;
    animation: chatIn 0.35s cubic-bezier(0.4, 0, 0.2, 1) both;
}

@keyframes chatIn {
    from {
        opacity: 0;
        transform: translateY(8px);
    }

    to {
        opacity: 1;
        transform: none;
    }
}

.chat-msg--bot {
    align-self: flex-start;
    align-items: flex-end;
}

.chat-msg--user {
    align-self: flex-end;
}

.chat-msg-avatar {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: #0C2032;
    border: 2px solid #C6F24E;
    flex-shrink: 0;
    overflow: hidden;
    display: flex;
    align-items: flex-end;
    justify-content: center;
}

.chat-msg-avatar img {
    width: 90%;
}

.chat-bubble {
    padding: 10px 14px;
    font-size: 0.92rem;
    line-height: 1.5;
    border-radius: 16px 16px 16px 5px;
    background: #FFFFFF;
    border: 1px solid rgba(45, 62, 44, 0.10);
    box-shadow: 0 4px 12px rgba(45, 62, 44, 0.08);
    color: #23311E;
}

.chat-msg--user .chat-bubble {
    border-radius: 16px 16px 5px 16px;
    background: linear-gradient(180deg, #C6F24E 0%, #A6DC3C 100%);
    border-color: transparent;
    color: #23311E;
    font-weight: 600;
    box-shadow: 0 5px 14px rgba(120, 160, 40, 0.30);
}

/* typing indicator */
.chat-typing {
    display: inline-flex;
    gap: 4px;
    align-items: center;
    padding: 4px 2px;
}

.chat-typing span {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #9DB387;
    animation: chatType 1.2s infinite ease-in-out;
}

.chat-typing span:nth-child(2) {
    animation-delay: 0.18s;
}

.chat-typing span:nth-child(3) {
    animation-delay: 0.36s;
}

@keyframes chatType {

    0%,
    60%,
    100% {
        transform: translateY(0);
        opacity: 0.5;
    }

    30% {
        transform: translateY(-5px);
        opacity: 1;
    }
}

/* --- Input zone --- */
.chat-input-zone {
    padding: 14px 16px;
    border-top: 1px solid rgba(45, 62, 44, 0.10);
    background: #FBFDF6;
}

.chat-input-row {
    display: flex;
    gap: 8px;
}

.chat-text-input {
    flex: 1;
    padding: 12px 16px;
    border-radius: 999px;
    border: 1px solid rgba(45, 62, 44, 0.16);
    background: #FFFFFF;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.08);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: #23311E;
    outline: none;
}

.chat-text-input:focus {
    border-color: #5C8A2E;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.08), 0 0 0 4px rgba(150, 200, 60, 0.16);
}

textarea.chat-text-input {
    border-radius: 18px;
    resize: none;
    min-height: 64px;
}

.chat-send {
    flex-shrink: 0;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    border: none;
    background: linear-gradient(180deg, #C6F24E 0%, #A6DC3C 100%);
    color: #23311E;
    font-size: 1rem;
    cursor: pointer;
    box-shadow: 0 6px 14px rgba(120, 160, 40, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.6);
    transition: transform var(--t-fast);
}

.chat-send:hover {
    transform: translateY(-2px);
}

.chat-send:active {
    transform: translateY(1px);
}

.chat-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.chat-chip {
    border: 1.5px solid #5C8A2E;
    background: #FFFFFF;
    color: #2D5016;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.86rem;
    padding: 9px 16px;
    border-radius: 999px;
    cursor: pointer;
    transition: all var(--t-fast);
    box-shadow: 0 3px 8px rgba(45, 62, 44, 0.08);
}

.chat-chip:hover {
    background: var(--grad-btn);
    border-color: transparent;
    transform: translateY(-2px);
    box-shadow: var(--shadow-green);
}

.chat-chip--skip {
    border-color: rgba(45, 62, 44, 0.25);
    color: var(--c-text-muted);
}

.chat-restart {
    display: inline-flex;
    align-items: center;
    gap: 7px;
}

/* --- Side channel panel --- */
.contact-side {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.side-channel {
    display: flex;
    align-items: center;
    gap: 13px;
    padding: 14px 16px;
    border-radius: var(--radius-lg);
    background: linear-gradient(170deg, #FFFFFF 0%, #F4F9EA 100%);
    border: 1px solid rgba(45, 62, 44, 0.08);
    box-shadow: 0 8px 20px rgba(45, 62, 44, 0.10), inset 0 1px 0 rgba(255, 255, 255, 0.9);
    text-decoration: none;
    transition: transform var(--t-base), box-shadow var(--t-base);
}

a.side-channel:hover {
    transform: translateY(-3px);
    box-shadow: 0 14px 30px rgba(45, 62, 44, 0.16);
}

.side-channel--static {
    cursor: default;
}

.side-channel-ico {
    width: 44px;
    height: 44px;
    border-radius: 13px;
    background: linear-gradient(160deg, #2D3E2C, #1F2D1E);
    color: #C6F24E;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
    flex-shrink: 0;
    box-shadow: 0 5px 12px rgba(45, 62, 44, 0.25);
}

.side-channel-ico--wa {
    background: linear-gradient(160deg, #1FA855, #157f3f);
    color: #fff;
}

.side-channel-body {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}

.side-channel-body strong {
    font-family: var(--font-display);
    color: #23311E;
    font-size: 0.98rem;
}

.side-channel-body span {
    font-size: 0.84rem;
    color: var(--c-text-muted);
    word-break: break-word;
}

.side-map {
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid rgba(45, 62, 44, 0.10);
    box-shadow: 0 8px 20px rgba(45, 62, 44, 0.10);
}

@media (max-width: 880px) {
    .contact-grid {
        grid-template-columns: 1fr;
    }
}

/* ==========================================================================
   27. Multi-step application wizard (application.html). Progress stepper,
   animated steps, review summary, invalid-field state. Page-unique classes.
   ========================================================================== */
.wizard-progress {
    margin-bottom: 30px;
}

.wizard-steps-nav {
    display: flex;
    justify-content: space-between;
    list-style: none;
    padding: 0;
    margin: 0 0 16px;
}

.wizard-steps-nav li {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 7px;
    flex: 1;
    cursor: pointer;
    text-align: center;
}

.wiz-dot {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: #EAF2DC;
    color: #7C8C70;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    border: 2px solid rgba(45, 62, 44, 0.12);
    box-shadow: inset 0 2px 4px rgba(45, 62, 44, 0.08);
    transition: all var(--t-base);
}

.wizard-steps-nav li.is-reached .wiz-dot {
    background: linear-gradient(180deg, #C6F24E 0%, #A6DC3C 100%);
    color: #23311E;
    border-color: transparent;
    box-shadow: 0 6px 14px rgba(120, 160, 40, 0.30), inset 0 1px 0 rgba(255, 255, 255, 0.6);
}

.wizard-steps-nav li.is-active .wiz-dot {
    transform: scale(1.10);
}

.wiz-lbl {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.8rem;
    color: var(--c-text-muted);
}

.wizard-steps-nav li.is-active .wiz-lbl {
    color: #2D5016;
}

.wizard-progress-bar {
    height: 6px;
    border-radius: 999px;
    background: #E4ECD6;
    box-shadow: inset 0 1px 3px rgba(45, 62, 44, 0.15);
    overflow: hidden;
}

.wizard-progress-bar span {
    display: block;
    height: 100%;
    width: 0;
    background: linear-gradient(90deg, #C6F24E, #7FB52E);
    border-radius: 999px;
    transition: width 0.45s cubic-bezier(0.4, 0, 0.2, 1);
}

.wizard-step {
    display: none;
}

.wizard-step.is-active {
    display: block;
    animation: wizIn 0.4s ease both;
}

@keyframes wizIn {
    from {
        opacity: 0;
        transform: translateX(14px);
    }

    to {
        opacity: 1;
        transform: none;
    }
}

.wizard-step-title {
    margin: 0 0 18px;
    color: var(--c-ink);
    font-size: 1.18rem;
}

.wizard-nav {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    margin-top: 26px;
}

.wizard-nav .btn {
    min-width: 130px;
    justify-content: center;
}

.form-control.is-invalid,
.form-select.is-invalid {
    border-color: #D9534F !important;
    box-shadow: inset 0 2px 5px rgba(45, 62, 44, 0.06), 0 0 0 3px rgba(217, 83, 79, 0.16) !important;
}

input[type="checkbox"].is-invalid {
    outline: 2px solid #D9534F;
    outline-offset: 2px;
}

.wizard-review {
    background: linear-gradient(170deg, #FFFFFF 0%, #F2F8E6 100%);
    border: 1px solid rgba(45, 62, 44, 0.10);
    border-radius: var(--radius-lg);
    padding: 6px 20px;
    margin-bottom: 22px;
    box-shadow: inset 0 1px 0 #fff, 0 6px 16px rgba(45, 62, 44, 0.08);
}

.wizard-review-row {
    display: flex;
    justify-content: space-between;
    gap: 18px;
    padding: 12px 0;
    border-bottom: 1px dashed rgba(45, 62, 44, 0.16);
    font-size: 0.92rem;
}

.wizard-review-row:last-child {
    border-bottom: none;
}

.wizard-review-row span {
    color: var(--c-text-muted);
}

.wizard-review-row strong {
    color: #23311E;
    text-align: right;
}

@media (max-width: 520px) {
    .wiz-dot {
        width: 38px;
        height: 38px;
        font-size: 0.9rem;
    }

    .wiz-lbl {
        font-size: 0.72rem;
    }

    .wizard-nav .btn {
        min-width: 0;
        flex: 1;
        padding-left: 14px;
        padding-right: 14px;
    }
}

/* ==========================================================================
   28. Homepage hero — "Living Dream Dust" particle morph (index.html only)
   ========================================================================== */
.hero--particles {
    position: relative;
    min-height: 94vh;
    display: flex;
    align-items: stretch;
    overflow: hidden;
    padding: 0;
    background:
        radial-gradient(70% 58% at 50% 26%, rgba(45, 62, 44, 0.65), transparent 62%),
        radial-gradient(45% 45% at 82% 88%, rgba(110, 160, 255, 0.10), transparent 60%),
        linear-gradient(160deg, #0D1A12 0%, #0A130C 60%, #070E09 100%);
}

.hero-canvas {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.hero-px-inner {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    width: 100%;
    padding: 116px 0 78px;
    gap: 15px;
}

.eyebrow--ondark {
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.34);
    color: #FFFFFF;
}

/* reserves the upper space where the particle shape forms */
.hero-px-spacer {
    flex: 0 0 clamp(140px, 25vh, 280px);
}

.hero-px-title {
    margin: 0;
    color: #FFFFFF;
    font-weight: 800;
    letter-spacing: -0.025em;
    font-size: clamp(1.9rem, 4.6vw, 3.5rem);
    line-height: 1.05;
    text-shadow: 0 2px 30px rgba(0, 0, 0, 0.4);
}

.hero-px-title span {
    color: #C6F24E;
}

.hero-px-caption {
    margin: 2px 0 0;
    font-size: clamp(1.05rem, 2.2vw, 1.4rem);
    color: #FFFFFF;
    font-weight: 600;
}

.hero-px-caption b {
    color: #C6F24E;
    font-weight: 800;
}

.hero--particles .hero-cta {
    margin-top: 6px;
}

.hero--particles .btn--ondark {
    border-color: rgba(255, 255, 255, 0.45);
    color: #FFFFFF;
    background: rgba(255, 255, 255, 0.04);
}

.hero--particles .btn--ondark:hover {
    border-color: #C6F24E;
    color: #C6F24E;
}

.hero-px-pills {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 2px;
}

.hero-px-pill {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.8rem;
    cursor: pointer;
    color: #E4FD97;
    background: rgba(255, 255, 255, 0.05);
    border: 1.5px solid rgba(198, 242, 78, 0.30);
    border-radius: 999px;
    padding: 8px 15px;
    transition: all var(--t-fast);
    display: inline-flex;
    align-items: center;
    gap: 7px;
}

.hero-px-pill:hover {
    transform: translateY(-2px);
}

.hero-px-pill.is-on {
    background: linear-gradient(180deg, #C6F24E, #A6DC3C);
    color: #23311E;
    border-color: transparent;
    box-shadow: 0 8px 22px rgba(120, 160, 40, 0.45);
}

.hero--particles .hero-stats-inline {
    display: flex;
    flex-wrap: wrap;
    gap: 26px;
    justify-content: center;
    margin-top: 14px;
}

.hero--particles .hero-stat-inline {
    font-size: 0.86rem;
    color: rgba(220, 235, 200, 0.72);
}

.hero--particles .hero-stat-inline strong {
    display: block;
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    color: #C6F24E;
}

.hero--particles .hero-page-tear {
    position: absolute;
    left: 0;
    right: 0;
    bottom: -1px;
    z-index: 2;
    line-height: 0;
}

.hero--particles .hero-page-tear svg {
    width: 100%;
    height: 56px;
    display: block;
}

@media (max-width: 600px) {
    .hero-px-inner {
        padding: 96px 0 64px;
    }

    .hero-px-spacer {
        flex-basis: clamp(150px, 26vh, 240px);
    }

    .hero--particles .hero-stats-inline {
        gap: 16px;
    }

    .hero--particles .hero-stat-inline strong {
        font-size: 1.2rem;
    }
}

/* ==========================================================================
   29. Header polish — bigger logo lockup + animated nav underline (sitewide)
   ========================================================================== */
.main-nav>li>a {
    position: relative;
}

.main-nav>li>a::after {
    content: '';
    position: absolute;
    left: 0;
    right: 100%;
    bottom: -4px;
    height: 2px;
    border-radius: 2px;
    background: var(--grad-btn);
    transition: right var(--t-base);
}

.main-nav>li>a:hover::after,
.main-nav .is-active>a::after {
    right: 0;
}

/* ==========================================================================
   30. Page loader — mascot splash that waves on entry, then fades away.
   ========================================================================== */
.page-loader {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    background:
        radial-gradient(60% 55% at 50% 42%, rgba(45, 62, 44, 0.75), transparent 66%),
        linear-gradient(160deg, #0D1A12 0%, #0A130C 60%, #070E09 100%);
    transition: opacity 0.6s ease, visibility 0.6s ease;
}

.page-loader.is-hidden {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}

.page-loader-inner {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
    animation: loaderIn 0.6s cubic-bezier(0.4, 0, 0.2, 1) both;
}

@keyframes loaderIn {
    from {
        opacity: 0;
        transform: scale(0.9);
    }

    to {
        opacity: 1;
        transform: none;
    }
}

.page-loader-glow {
    position: absolute;
    top: 30px;
    left: 50%;
    width: 280px;
    height: 280px;
    transform: translateX(-50%);
    border-radius: 50%;
    background: radial-gradient(closest-side, rgba(198, 242, 78, 0.35), transparent 72%);
    filter: blur(12px);
    animation: loaderGlow 2s ease-in-out infinite;
    pointer-events: none;
}

@keyframes loaderGlow {

    0%,
    100% {
        opacity: 0.65;
        transform: translateX(-50%) scale(1);
    }

    50% {
        opacity: 1;
        transform: translateX(-50%) scale(1.08);
    }
}

.page-loader-mascot {
    position: relative;
    width: 180px;
    height: auto;
    filter: drop-shadow(0 16px 34px rgba(0, 0, 0, 0.5));
    animation: loaderBob 1.5s ease-in-out infinite;
}

@keyframes loaderBob {

    0%,
    100% {
        transform: translateY(0) rotate(-2.5deg);
    }

    50% {
        transform: translateY(-16px) rotate(2.5deg);
    }
}

.page-loader-word {
    position: relative;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.5rem;
    letter-spacing: 0.04em;
    color: #E4FD97;
}

.page-loader-dots {
    position: relative;
    display: flex;
    gap: 7px;
}

.page-loader-dots span {
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #C6F24E;
    animation: loaderDot 1s infinite ease-in-out;
}

.page-loader-dots span:nth-child(2) {
    animation-delay: 0.15s;
}

.page-loader-dots span:nth-child(3) {
    animation-delay: 0.30s;
}

@keyframes loaderDot {

    0%,
    60%,
    100% {
        transform: translateY(0);
        opacity: 0.45;
    }

    30% {
        transform: translateY(-8px);
        opacity: 1;
    }
}

@media (prefers-reduced-motion: reduce) {

    .page-loader-mascot,
    .page-loader-glow,
    .page-loader-dots span,
    .page-loader-inner {
        animation: none;
    }
}

@media (max-width: 600px) {
    .page-loader-mascot {
        width: 138px;
    }

    .page-loader-glow {
        width: 220px;
        height: 220px;
    }
}