/* ============================================================
   Finbro — Education Loans | Main Stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Bodoni+Moda:opsz,wght@6..96,400;6..96,500;6..96,600;6..96,700&family=Manrope:wght@300;400;500;600;700;800&family=Poppins:wght@500;600;700&display=swap');

/* ── CSS Variables ── */
:root {
  --navy:      #002169;
  --navy-mid:  #003581;
  --teal:      #B11116;
  --teal-light:#D24A43;
  --gold:      #C8A96B;
  --gold-light:#E5D0A4;
  --cream:     #F8F1E7;
  --white:     #FFFFFF;
  --gray-50:   #FCFAF7;
  --gray-100:  #F1E9DD;
  --gray-200:  #E5DBCE;
  --gray-400:  #9CA3AF;
  --gray-600:  #6B625B;
  --gray-800:  #1F2937;
  --text:      #1C1714;
  --radius:    12px;
  --radius-lg: 20px;
  --shadow:    0 4px 24px rgba(0,33,105,.08);
  --shadow-md: 0 8px 40px rgba(0,33,105,.12);
  --shadow-lg: 0 20px 60px rgba(0,33,105,.16);
  --transition: .25s cubic-bezier(.4,0,.2,1);
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Manrope', sans-serif;
  color: var(--text);
  background: var(--gray-50);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: 'Bodoni Moda', serif;
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -.02em;
  color: var(--navy);
}
h1, h2 {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  letter-spacing: -.03em;
}

/* ── Utilities ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 96px 0; }
.section-sm { padding: 64px 0; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 50px;
  font-family: 'Manrope', sans-serif;
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--teal);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(212,35,32,.3);
}
.btn-primary:hover {
  background: var(--teal-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,35,32,.4);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.tag {
  display: inline-block;
  padding: 4px 14px;
  background: rgba(212,35,32,.1);
  color: var(--teal);
  border-radius: 50px;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.tag-brand-accent {
  font-family: Georgia, "Times New Roman", serif;
  font-size: .92rem;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: none;
  background: rgba(177,17,22,.08);
  border: 1px solid rgba(177,17,22,.16);
}

/* ── Navbar ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(0,33,105,.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 4px 20px rgba(0,0,0,.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo {
  display: flex;
  align-items: center;
  color: var(--white);
}
.nav-logo-lockup { gap: 12px; }
.nav-logo-icon-wrap {
  position: relative;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  flex-shrink: 0;
}
.nav-logo-badge {
  position: relative;
  display: block;
  width: 100%;
  height: 100%;
  border-radius: 16px;
  background:
    radial-gradient(circle at 30% 24%, rgba(255,255,255,.12), transparent 32%),
    linear-gradient(180deg, #7d1618 0%, #9b1d1f 48%, #6b1012 100%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.14),
    0 12px 24px rgba(0,0,0,.2);
}
.nav-logo-badge::after {
  content: "";
  position: absolute;
  inset: 1px;
  border-radius: 15px;
  border: 1px solid rgba(255,255,255,.08);
}
.nav-logo-letter {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-size: 2rem;
  font-weight: 600;
  color: #fff7ef;
  text-shadow: 0 6px 14px rgba(0,0,0,.24);
  transform: translateY(-1px);
}
.nav-logo-wordmark {
  font-family: 'Poppins', sans-serif;
  font-size: 1.9rem;
  font-weight: 600;
  letter-spacing: -.03em;
  color: #f6f0e7;
  text-shadow: 0 8px 24px rgba(0,0,0,.18);
  line-height: 1;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  color: rgba(255,255,255,.75);
  padding: 8px 16px;
  border-radius: 8px;
  font-size: .9rem;
  font-weight: 500;
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,.08);
}
.nav-cta { margin-left: 12px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ── Hero ── */
.hero {
  min-height: 100vh;
  background:
    radial-gradient(circle at top left, rgba(200,169,107,.2), transparent 34%),
    radial-gradient(circle at 82% 18%, rgba(177,17,22,.18), transparent 24%),
    linear-gradient(135deg, #061533 0%, #0a214f 46%, #0f2e6f 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: calc(72px + 2rem) 0 2.5rem;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(180deg, rgba(0,0,0,.85), transparent 92%);
}
.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: .15;
}
.hero-blob-1 {
  width: 600px; height: 600px;
  background: var(--teal);
  top: -200px; right: -200px;
}
.hero-blob-2 {
  width: 400px; height: 400px;
  background: var(--gold);
  bottom: -100px; left: -100px;
}
.hero-orbit {
  position: absolute;
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 50%;
}
.hero-orbit-1 {
  width: 620px;
  height: 620px;
  top: 50%;
  right: -210px;
  transform: translateY(-50%);
}
.hero-orbit-2 {
  width: 260px;
  height: 260px;
  bottom: 60px;
  right: 240px;
}
.hero-content {
  position: relative;
  z-index: 1;
  max-width: 640px;
  padding: 0;
}
.hero-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(420px, .92fr);
  gap: clamp(2rem, 4vw, 4rem);
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.75);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 32px; height: 2px;
  background: var(--gold-light);
}
.hero-brandline {
  color: var(--gold-light);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: .42em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.hero-brand-accent {
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 600;
  letter-spacing: .22em;
}
.hero h1 {
  font-size: clamp(3.2rem, 5vw + 1rem, 6.1rem);
  color: var(--white);
  margin-bottom: 28px;
  line-height: .92;
  max-width: 8ch;
}
.hero h1 span { color: var(--gold-light); }
.hero-desc {
  color: rgba(255,255,255,.76);
  font-size: clamp(1rem, .35vw + .96rem, 1.14rem);
  max-width: 560px;
  margin-bottom: 28px;
  line-height: 1.9;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-mission {
  max-width: 34rem;
  margin-bottom: 36px;
  padding: 0 0 0 18px;
  border-left: 3px solid var(--gold-light);
  color: rgba(255,255,255,.78);
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.8;
}
.hero-mission-brand {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--gold-light);
  font-weight: 600;
  letter-spacing: .02em;
}
.hero-visual {
  position: relative;
  z-index: 1;
  display: flex;
  justify-content: flex-end;
  align-items: center;
}
.hero-portrait {
  position: relative;
  width: min(100%, 34rem, calc(70vh * .8));
  aspect-ratio: 4 / 5;
  max-height: 70vh;
  border-radius: 24px;
  overflow: hidden;
  background:
    radial-gradient(circle at 50% 20%, #e8e4d9 0%, #41516f 48%, #15284f 100%);
  box-shadow:
    0 28px 70px rgba(0,0,0,.22),
    inset 0 0 0 1px rgba(255,255,255,.1);
}
.hero-portrait::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 50% 18%, rgba(255,255,255,.3), transparent 24%),
    linear-gradient(180deg, rgba(10,27,62,0) 44%, rgba(10,27,62,.16) 68%, rgba(10,27,62,.45) 100%);
  pointer-events: none;
}
.hero-portrait-image {
  position: absolute;
  inset: 0;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}
.hero-floating {
  position: absolute;
  z-index: 3;
  border-radius: 22px;
  background: #fcfbf8;
  color: var(--navy);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(0,33,105,.08);
  padding: 18px 22px;
  max-width: 270px;
}
.hero-floating-kicker {
  display: inline-flex;
  margin-bottom: 8px;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: .72rem;
  font-weight: 800;
}
.hero-floating strong {
  display: block;
  font-size: 1rem;
  line-height: 1.55;
}
.hero-floating-attribution {
  display: inline-flex;
  margin-top: 12px;
  color: rgba(0,33,105,.62);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.hero-floating-danada {
  top: 22px;
  right: 22px;
  left: auto;
  bottom: auto;
  max-width: 250px;
  padding: 18px 18px 16px;
  background: rgba(6, 21, 51, .6);
  border: 1px solid rgba(255,255,255,.14);
  color: var(--white);
  backdrop-filter: blur(10px);
}
.hero-floating-danada::before {
  content: '"';
  position: absolute;
  top: 6px;
  left: 14px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.5rem;
  line-height: 1;
  color: rgba(229,208,164,.34);
}
.hero-floating-danada strong {
  position: relative;
  z-index: 1;
  padding-top: 10px;
  font-size: .92rem;
  line-height: 1.6;
  color: rgba(255,255,255,.92);
}
.hero-floating-danada .hero-floating-attribution {
  color: rgba(229,208,164,.88);
}
.hero-ribbon-wrap {
  position: relative;
  z-index: 1;
  padding: 2.5rem 0 2rem;
  background: linear-gradient(180deg, rgba(252,250,247,0) 0%, rgba(252,250,247,.92) 36%, rgba(252,250,247,1) 100%);
}
.hero-ribbon-panel {
  position: relative;
  overflow: hidden;
  padding: 34px;
  border-radius: 32px;
  background:
    radial-gradient(circle at top right, rgba(200,169,107,.22), transparent 34%),
    linear-gradient(135deg, rgba(255,255,255,.98), rgba(248,241,231,.96));
  border: 1px solid rgba(0,33,105,.08);
  box-shadow: 0 24px 60px rgba(7, 24, 58, .10);
}
.hero-ribbon-panel::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(177,17,22,.12), transparent 68%);
  transform: translate(-32%, -36%);
  pointer-events: none;
}
.hero-ribbon-intro {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 10px;
  max-width: 760px;
  margin-bottom: 26px;
}
.hero-ribbon-kicker {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  padding: 7px 14px;
  border-radius: 999px;
  background: rgba(177,17,22,.08);
  color: var(--teal);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.hero-ribbon-intro h2 {
  max-width: 14ch;
  font-size: clamp(1.75rem, 2vw, 2.4rem);
  line-height: 1.08;
}
.hero-ribbon-intro p {
  max-width: 60ch;
  color: var(--gray-600);
  font-size: .98rem;
  line-height: 1.8;
}
.hero-ribbon {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.hero-ribbon-item {
  position: relative;
  min-height: 178px;
  padding: 22px 22px 20px;
  border-radius: 24px;
  background:
    linear-gradient(180deg, rgba(255,255,255,.96), rgba(255,255,255,.84));
  border: 1px solid rgba(0,33,105,.08);
  box-shadow: 0 14px 34px rgba(7, 24, 58, .06);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.hero-ribbon-item::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(180deg, rgba(200,169,107,.12), transparent 42%);
  opacity: .8;
  pointer-events: none;
}
.hero-ribbon-item:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(7, 24, 58, .12);
  border-color: rgba(177,17,22,.16);
}
.hero-ribbon-index {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
  color: var(--teal);
  font-family: 'Poppins', sans-serif;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .22em;
  line-height: 1;
}
.hero-ribbon-index::after {
  content: "";
  width: 38px;
  height: 1px;
  background: linear-gradient(90deg, rgba(177,17,22,.48), rgba(200,169,107,.22));
}
.hero-ribbon-item strong {
  position: relative;
  z-index: 1;
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.35;
}
.hero-ribbon-item span {
  position: relative;
  z-index: 1;
  display: block;
  color: var(--gray-600);
  font-size: .92rem;
  line-height: 1.75;
}

/* Stats Bar */
.stats-bar {
  background: linear-gradient(180deg, rgba(255,255,255,.98), rgba(248,241,231,.92));
  border-top: 1px solid rgba(200,169,107,.4);
  box-shadow: var(--shadow-md);
  position: relative;
  z-index: 2;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  divide-x: 1px solid var(--gray-200);
}
.stat-item {
  padding: 32px 24px;
  text-align: center;
  border-right: 1px solid var(--gray-200);
}
.stat-item:last-child { border-right: none; }
.stat-value {
  font-family: 'Bodoni Moda', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.stat-value span { color: var(--teal); }
.stat-label {
  font-size: .85rem;
  color: var(--gray-600);
  margin-top: 6px;
  font-weight: 500;
}

/* Quick Actions */
.quick-actions { background: var(--cream); }
.qa-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.qa-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.qa-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--teal);
}
.qa-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--teal), var(--teal-light));
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  margin-bottom: 4px;
  box-shadow: 0 10px 24px rgba(177,17,22,.18);
}
.qa-icon svg {
  width: 24px;
  height: 24px;
  stroke-width: 2.1;
}
.qa-card h3 {
  font-size: 1.2rem;
  color: var(--navy);
}
.qa-card p { font-size: .9rem; color: var(--gray-600); }
.qa-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--teal);
  font-weight: 600;
  font-size: .9rem;
  margin-top: auto;
  transition: var(--transition);
}
.qa-link:hover { gap: 10px; }

/* ── Section Headers ── */
.section-header { text-align: center; margin-bottom: 64px; }
.section-header h2 { font-size: clamp(2rem, 3.5vw, 3rem); margin-bottom: 16px; }
.section-header p { color: var(--gray-600); max-width: 560px; margin: 0 auto; font-size: 1.05rem; }

/* Danada Story */
.danada-story {
  background:
    radial-gradient(circle at top right, rgba(200,169,107,.16), transparent 28%),
    linear-gradient(180deg, #fffdf9 0%, var(--cream) 100%);
}
.danada-grid {
  display: grid;
  grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr);
  gap: 40px;
  align-items: start;
}
.danada-copy h2 {
  font-size: clamp(2.6rem, 4vw, 4.2rem);
  margin-bottom: 18px;
  max-width: 10ch;
}
.danada-copy p {
  color: var(--gray-600);
  font-size: 1.05rem;
  max-width: 520px;
}
.danada-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.danada-card {
  background: rgba(255,255,255,.85);
  border: 1px solid rgba(0,33,105,.08);
  border-radius: 24px;
  padding: 28px;
  box-shadow: var(--shadow);
}
.danada-card strong {
  display: block;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.danada-card span,
.danada-card p {
  color: var(--gray-600);
  line-height: 1.8;
}
.danada-card-quote {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, rgba(0,33,105,.96), rgba(10,37,95,.9));
  border-color: transparent;
}
.danada-card-quote p {
  color: rgba(255,255,255,.86);
  font-size: 1.08rem;
  max-width: 44ch;
}

/* ── Services ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.service-card:hover::after { transform: scaleX(1); }
.service-icon {
  font-size: 2.2rem;
  margin-bottom: 20px;
}
.service-card h3 { font-size: 1.25rem; margin-bottom: 12px; }
.service-card p { color: var(--gray-600); font-size: .93rem; margin-bottom: 16px; }
.service-features { display: flex; flex-direction: column; gap: 6px; }
.service-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .87rem;
  color: var(--gray-600);
}
.service-feature::before {
  content: '✓';
  color: var(--teal);
  font-weight: 700;
  flex-shrink: 0;
}

/* Process Steps */
.process-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  margin-top: 64px;
}
.process-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  width: 200px;
}
.step-number {
  width: 56px; height: 56px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}
.step-number span { color: var(--gold-light); }
.process-step h4 { font-size: 1rem; margin-bottom: 6px; }
.process-step p { font-size: .85rem; color: var(--gray-600); }
.step-arrow {
  color: var(--teal);
  font-size: 1.5rem;
  margin: 0 8px;
  padding-bottom: 36px;
  opacity: .5;
}

/* ── Testimonials ── */
.testimonials { background: var(--navy); }
.testimonials .section-header h2 { color: var(--white); }
.testimonials .section-header p { color: rgba(255,255,255,.6); }
.reviews-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.75fr) minmax(320px, .95fr);
  gap: 32px;
  align-items: start;
}
.testimonials-home-grid {
  grid-template-columns: repeat(3, 1fr);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition);
}
.testimonial-card:hover {
  background: rgba(255,255,255,.08);
  transform: translateY(-4px);
}
.testimonial-empty-state {
  min-height: 100%;
}
.testimonial-home-empty {
  text-align: center;
}
.quote-mark {
  font-family: 'Cormorant Garamond', serif;
  font-size: 4rem;
  color: var(--teal-light);
  line-height: .8;
  margin-bottom: 16px;
  opacity: .5;
}
.testimonial-stars {
  display: flex;
  gap: 6px;
  margin-bottom: 20px;
  color: rgba(255,255,255,.25);
  font-size: .95rem;
  letter-spacing: .08em;
}
.testimonial-stars .filled {
  color: #f7c95b;
}
.testimonial-card blockquote {
  color: rgba(255,255,255,.8);
  font-size: .95rem;
  line-height: 1.8;
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 22px;
}
.testimonial-tag {
  display: inline-flex;
  align-items: center;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.75);
  font-size: .78rem;
  line-height: 1;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--teal), var(--gold));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
}
.author-name { font-weight: 600; color: var(--white); font-size: .95rem; }
.author-meta { color: rgba(255,255,255,.5); font-size: .82rem; margin-top: 2px; }
.review-preview-footer {
  margin-top: 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 24px 28px;
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.08);
}
.review-preview-count {
  display: inline-flex;
  color: var(--white);
  font-weight: 700;
  margin-bottom: 8px;
}
.review-preview-footer p {
  margin: 0;
  color: rgba(255,255,255,.65);
}
.review-preview-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 48px;
  justify-content: center;
}
.review-preview-outline {
  border-color: rgba(255,255,255,.3);
  color: var(--white);
}
.review-preview-outline:hover {
  background: rgba(255,255,255,.08);
}
.review-submit-card {
  position: sticky;
  top: 110px;
  background: rgba(255,255,255,.96);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(16,7,7,.08);
}
.review-submit-card h3 {
  margin-bottom: 10px;
  color: var(--navy);
}
.review-submit-card p {
  color: var(--gray-600);
  margin-bottom: 22px;
}
.review-form-tag {
  margin-bottom: 14px;
}
.review-form {
  display: grid;
  gap: 18px;
}
.review-alert {
  border-radius: 14px;
  padding: 14px 16px;
  margin-bottom: 18px;
  font-size: .92rem;
}
.review-alert-success {
  background: rgba(22,122,85,.12);
  color: #166d4c;
  border: 1px solid rgba(22,122,85,.18);
}
.review-alert-error {
  background: rgba(220,38,38,.08);
  color: #b42318;
  border: 1px solid rgba(220,38,38,.14);
}
.review-error-list {
  margin: 10px 0 0;
  padding-left: 18px;
}
.review-tag-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.review-tag-option {
  position: relative;
}
.review-tag-option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.review-tag-option span {
  display: inline-flex;
  align-items: center;
  padding: 10px 14px;
  border-radius: 999px;
  border: 1px solid var(--gray-200);
  background: var(--white);
  color: var(--navy);
  font-size: .84rem;
  line-height: 1;
  transition: var(--transition);
  cursor: pointer;
}
.review-tag-option input:checked + span {
  background: rgba(212,35,32,.08);
  border-color: rgba(212,35,32,.28);
  color: var(--teal);
}
.review-textarea {
  min-height: 130px;
  resize: vertical;
}
.review-submit-btn {
  width: 100%;
  justify-content: center;
}
.reviews-hero {
  background:
    radial-gradient(circle at top right, rgba(212,35,32,.16), transparent 28%),
    radial-gradient(circle at left center, rgba(15,138,131,.12), transparent 30%),
    var(--navy);
}
.reviews-hero h1,
.reviews-hero p {
  color: var(--white);
}
.reviews-summary-band {
  background: linear-gradient(180deg, rgba(16,7,7,.04), transparent);
}
.reviews-summary-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.reviews-summary-card {
  padding: 24px;
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow);
}
.reviews-summary-label {
  display: block;
  color: var(--gray-600);
  font-size: .84rem;
  margin-bottom: 10px;
}
.reviews-summary-value {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  color: var(--navy);
  font-size: 2rem;
  font-weight: 700;
}
.reviews-summary-value span {
  font-size: .95rem;
  color: var(--gray-600);
}
.reviews-page-section {
  padding-top: 0;
}
.reviews-page-header {
  margin-bottom: 28px;
  text-align: left;
}
.reviews-page-header p {
  max-width: 540px;
}
.reviews-pager-wrap {
  margin-top: 26px;
  clear: both;
  color: var(--white);
}
.reviews-pager-wrap .pagination {
  display: flex !important;
  flex-wrap: wrap;
  gap: 10px;
  padding: 0 !important;
  margin: 0 !important;
  list-style: none !important;
  justify-content: center;
}
.reviews-pager-wrap .page-item {
  margin: 0 !important;
}
.reviews-pager-wrap .page-link {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  min-width: 44px !important;
  min-height: 44px !important;
  padding: 10px 14px !important;
  border-radius: 999px !important;
  background: rgba(255,255,255,.22) !important;
  border: 2px solid rgba(255,255,255,.4) !important;
  color: var(--white) !important;
  font-weight: 700 !important;
  font-size: 1rem !important;
  transition: var(--transition) !important;
  text-decoration: none !important;
}
.reviews-pager-wrap .page-link,
.reviews-pager-wrap .page-link *,
.reviews-pager-wrap .page-link a,
.reviews-pager-wrap .page-link span {
  color: var(--white) !important;
}
.reviews-pager-wrap .pagination a {
  color: var(--white) !important;
}
.reviews-pager-wrap .active .page-link,
.reviews-pager-wrap .page-link:hover {
  background: rgba(255,255,255,.35) !important;
  color: var(--white) !important;
  border-color: rgba(255,255,255,.6) !important;
}
.reviews-pager-wrap .active .page-link a,
.reviews-pager-wrap .page-link:hover a {
  color: var(--white) !important;
}
.reviews-pager-wrap .page-item.disabled .page-link {
  background: rgba(255,255,255,.08) !important;
  color: rgba(255,255,255,.4) !important;
  border-color: rgba(255,255,255,.1) !important;
  cursor: not-allowed !important;
  opacity: 1 !important;
}

/* ── FAQ ── */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(212,35,32,.08); }
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  gap: 16px;
}
.faq-chevron {
  flex-shrink: 0;
  width: 28px; height: 28px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
  font-size: .8rem;
  color: var(--navy);
}
.faq-item.open .faq-chevron {
  background: var(--teal);
  color: var(--white);
  transform: rotate(180deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer-inner {
  padding: 0 24px 20px;
  color: var(--gray-600);
  font-size: .95rem;
  line-height: 1.8;
  border-top: 1px solid var(--gray-100);
  padding-top: 16px;
}

/* ── Loan Products ── */
.loan-tabs {
  display: flex;
  gap: 8px;
  background: var(--gray-100);
  border-radius: 50px;
  padding: 6px;
  width: fit-content;
  margin: 0 auto 48px;
}
.loan-tab {
  padding: 10px 28px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: .9rem;
  color: var(--gray-600);
  background: transparent;
  transition: var(--transition);
}
.loan-tab.active {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow);
}
.loan-panel { display: none; }
.loan-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.loan-details { }
.loan-highlight {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 32px;
}
.loan-stat {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
}
.loan-stat-label { font-size: .8rem; color: var(--gray-600); margin-bottom: 4px; }
.loan-stat-value { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: var(--navy); }
.loan-features-list { display: flex; flex-direction: column; gap: 10px; margin-bottom: 32px; }
.loan-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: rgba(212,35,32,.04);
  border-radius: 8px;
  font-size: .93rem;
  color: var(--gray-800);
}
.loan-feature-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--teal);
  flex-shrink: 0;
}
.loan-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--gray-100);
  aspect-ratio: 4/3;
  display: flex; align-items: center; justify-content: center;
}
.loan-image-placeholder {
  font-size: 6rem;
  opacity: .3;
}

/* Loan Comparison Table */
.comparison-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-100);
  margin-top: 64px;
}
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 18px 24px;
  text-align: left;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: .9rem;
}
.comparison-table th:first-child { border-radius: var(--radius) 0 0 0; }
.comparison-table th:last-child { border-radius: 0 var(--radius) 0 0; }
.comparison-table td {
  padding: 16px 24px;
  border-bottom: 1px solid var(--gray-100);
  font-size: .93rem;
  color: var(--gray-800);
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:nth-child(even) td { background: var(--gray-50); }
.comparison-table td:first-child { font-weight: 600; color: var(--navy); }

/* ── About Page ── */
.mission-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-bottom: 80px;
}
.mission-card {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  border-left: 4px solid var(--teal);
}
.mission-card h2 { font-size: 1.8rem; margin-bottom: 16px; }
.mission-card p { color: var(--gray-600); line-height: 1.9; }

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
  margin-bottom: 80px;
}
.timeline::before {
  content: '';
  position: absolute;
  top: 28px; left: 10%; right: 10%;
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--gold));
}
.timeline-item { padding: 0 16px; text-align: center; }
.timeline-dot {
  width: 56px; height: 56px;
  background: var(--white);
  border: 3px solid var(--teal);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--teal);
  position: relative;
  z-index: 1;
  background: var(--white);
}
.timeline-year { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.timeline-title { font-weight: 600; font-size: .9rem; color: var(--navy); margin-bottom: 6px; }
.timeline-desc { font-size: .82rem; color: var(--gray-600); }

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.value-card {
  padding: 32px 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}
.value-card:hover { border-color: var(--teal); transform: translateY(-4px); box-shadow: var(--shadow); }
.value-icon { font-size: 2rem; margin-bottom: 16px; }
.value-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.value-card p { font-size: .9rem; color: var(--gray-600); }

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.team-card {
  text-align: center;
  padding: 32px 20px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
}
.team-card h3 { font-size: 1.05rem; margin-bottom: 4px; }
.team-role { font-size: .82rem; color: var(--teal); font-weight: 600; margin-bottom: 8px; }
.team-bio { font-size: .82rem; color: var(--gray-600); }

/* ── Contact Page ── */
.contact-info-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 64px;
}
.contact-info-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
}
.contact-info-card:hover { border-color: var(--teal); box-shadow: var(--shadow); transform: translateY(-2px); }
.contact-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, rgba(177,17,22,.12), rgba(200,169,107,.18));
  color: var(--teal);
}
.contact-icon svg {
  width: 26px;
  height: 26px;
  stroke-width: 2.1;
}
.contact-info-card h3 { font-size: 1rem; margin-bottom: 8px; }
.contact-info-card p { font-size: .9rem; color: var(--gray-600); }
.contact-info-card a { color: var(--teal); font-weight: 600; }

.footer-contact { display: flex; flex-direction: column; gap: 10px; }
.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .88rem;
  margin-bottom: 16px;
  color: rgba(248,244,236,.74);
}
.footer-contact svg {
  width: 16px;
  height: 16px;
  stroke-width: 2;
  color: #e4c68e;
  flex-shrink: 0;
  margin-top: 2px;
}
.footer-contact a { color: #f3d8a8; }
.footer-contact a:hover { color: #fff4da; }

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
}
.contact-form-card h2 { font-size: 2rem; margin-bottom: 8px; }
.form-subtitle { color: var(--gray-600); margin-bottom: 32px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-weight: 600;
  font-size: .88rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.form-group label .req { color: var(--teal); }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: .95rem;
  color: var(--text);
  transition: var(--transition);
  outline: none;
  background: var(--white);
}
.form-control:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(212,35,32,.1);
}
.form-control::placeholder { color: var(--gray-400); }
select.form-control { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 24px;
}
.form-check input[type="checkbox"] {
  width: 18px; height: 18px;
  accent-color: var(--teal);
  margin-top: 2px;
  flex-shrink: 0;
}
.form-check-label { font-size: .87rem; color: var(--gray-600); }
.form-check-label a { color: var(--teal); font-weight: 600; }

.next-steps {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  margin-bottom: 32px;
}
.next-steps h3 { font-size: 1.4rem; margin-bottom: 24px; }
.next-step {
  display: flex;
  gap: 16px;
  margin-bottom: 20px;
  align-items: flex-start;
}
.next-step:last-child { margin-bottom: 0; }
.step-num {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: .9rem;
  flex-shrink: 0;
}
.step-text { font-size: .9rem; color: var(--gray-600); padding-top: 6px; line-height: 1.6; }

/* ── Page Hero ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 120px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero h1 { font-size: clamp(2.5rem, 4vw, 3.5rem); color: var(--white); margin-bottom: 16px; position: relative; }
.page-hero p { color: rgba(255,255,255,.7); max-width: 600px; margin: 0 auto; font-size: 1.05rem; position: relative; }

/* ── CTA Section ── */
.cta-section {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-light) 100%);
  padding: 80px 0;
  text-align: center;
}
.cta-section h2 { font-size: clamp(2rem, 3vw, 2.6rem); color: var(--white); margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,.8); max-width: 520px; margin: 0 auto 32px; }

/* ── Why Choose ── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.why-card {
  display: flex;
  gap: 20px;
  padding: 32px;
  background: var(--cream);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}
.why-card:hover { background: var(--white); box-shadow: var(--shadow); }
.why-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.why-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.why-card p { font-size: .9rem; color: var(--gray-600); }

/* ── Footer ── */
.footer {
  background: #3d3d3d;
  padding: 72px 0 0;
  color: rgba(248,244,236,.78);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.footer-logo-lockup {
  align-items: center;
  gap: 14px;
  max-width: 240px;
}
.nav-logo-icon-wrap-footer {
  width: 52px;
  height: 52px;
}
.footer .nav-logo-wordmark {
  font-size: 1.7rem;
}
.footer-brand p {
  font-size: .9rem;
  line-height: 1.8;
  max-width: 280px;
  margin-top: 16px;
  color: rgba(248,244,236,.72);
}
.footer-social {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
}
.footer-social a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,.08);
  color: #f3d8a8;
  border: 1px solid rgba(255,255,255,.12);
  transition: var(--transition);
}
.footer-social a:hover {
  background: rgba(255,255,255,.14);
  color: #fff4da;
  transform: translateY(-2px);
}
.footer-social svg {
  width: 18px;
  height: 18px;
}
.footer-social-icon {
  stroke: currentColor;
  fill: none;
  stroke-width: 1.8;
}
.footer-social-icon-fill {
  fill: currentColor;
  stroke: none;
}
.footer-col h4 {
  font-family: 'Bodoni Moda', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: #fffaf0;
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: .88rem;
  color: rgba(248,244,236,.74);
  transition: var(--transition);
}
.footer-col ul li a:hover { color: #fff4da; }
.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: .83rem; color: rgba(248,244,236,.5); }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { font-size: .83rem; color: rgba(248,244,236,.54); transition: var(--transition); }
.footer-legal a:hover { color: #fff4da; }

/* ── Mobile Nav ── */
.mobile-menu {
  display: none;
  background: var(--navy);
  padding: 16px 24px 24px;
  border-top: 1px solid rgba(255,255,255,.08);
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block;
  color: rgba(255,255,255,.8);
  padding: 12px 0;
  font-size: .95rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: var(--transition);
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { color: var(--white); }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-layout { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { justify-content: center; }
  .hero-portrait {
    width: min(100%, 32rem, calc(66vh * .8));
    max-height: 66vh;
  }
  .hero-floating-danada {
    top: 18px;
    right: 18px;
    max-width: 240px;
  }
  .hero-ribbon-panel { padding: 28px; }
  .hero-ribbon { grid-template-columns: repeat(2, 1fr); }
  .danada-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-panel.active { grid-template-columns: 1fr; }
  .loan-image { display: none; }
}
@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-logo-icon-wrap { width: 50px; height: 50px; }
  .nav-logo-wordmark { font-size: 1.6rem; }
  .nav-logo-icon-wrap-footer { width: 50px; height: 50px; }
  .hero { padding: calc(72px + 1.5rem) 0 2rem; }
  .hero-layout { grid-template-columns: 1fr; gap: 32px; }
  .hero-content { padding: 0; }
  .hero-portrait {
    width: min(100%, 28rem, calc(62vh * .8));
    max-height: 62vh;
    border-radius: 22px;
  }
  .hero-floating { padding: 16px 18px; max-width: 260px; }
  .hero-floating-danada {
    top: 14px;
    right: 14px;
    left: auto;
    bottom: auto;
    max-width: 220px;
    background: rgba(6, 21, 51, .52);
  }
  .hero-ribbon-wrap { padding: 2rem 0 1.5rem; }
  .hero-ribbon-panel { padding: 22px; border-radius: 26px; }
  .hero-ribbon-intro { margin-bottom: 20px; }
  .hero-ribbon-intro h2 { max-width: none; font-size: 1.7rem; }
  .hero-ribbon { grid-template-columns: 1fr; gap: 14px; }
  .hero-ribbon-item { min-height: 0; }
  .hero-brandline { letter-spacing: .28em; font-size: .9rem; }
  .hero-mission { margin-bottom: 28px; padding-left: 16px; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .danada-cards { grid-template-columns: 1fr; }
  .danada-copy h2 { max-width: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-summary-grid { grid-template-columns: 1fr; }
  .reviews-layout { grid-template-columns: 1fr; }
  .services-grid, .testimonials-grid, .values-grid { grid-template-columns: 1fr; }
  .testimonials-home-grid { grid-template-columns: 1fr; }
  .qa-grid { grid-template-columns: 1fr; }
  .mission-grid { grid-template-columns: 1fr; }
  .timeline { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .timeline::before { display: none; }
  .contact-info-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-layout { grid-template-columns: 1fr; }
  .review-submit-card { position: static; }
  .review-preview-footer { flex-direction: column; align-items: flex-start; }
  .review-preview-actions {
    width: 100%;
    flex-direction: column;
    margin-top: 32px;
  }
  .review-preview-actions .btn {
    width: 100%;
  }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .why-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .process-steps { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); padding-bottom: 0; padding-right: 36px; }
  .loan-highlight { grid-template-columns: 1fr 1fr; }
  .contact-form-card { padding: 32px 24px; }
}
@media (max-width: 480px) {
  .hero-orbit,
  .hero-blob-1 { display: none; }
  .hero-blob-2 { width: 240px; height: 240px; left: -80px; bottom: -40px; }
  .hero-mission { font-size: .95rem; }
  .hero-portrait {
    width: min(100%, calc(58vh * .8));
    max-height: 58vh;
  }
  .hero-portrait-image { object-position: center 10%; }
  .hero-floating {
    max-width: 220px;
    padding: 14px 16px;
    border-radius: 18px;
  }
  .hero-floating-danada {
    top: 10px;
    right: 10px;
    left: auto;
    bottom: auto;
    max-width: 180px;
    padding: 14px 14px 12px;
  }
  .hero-floating-danada::before {
    top: 6px;
    left: 12px;
    font-size: 2.4rem;
  }
  .stats-grid { grid-template-columns: 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .loan-tabs { flex-direction: column; border-radius: var(--radius); }
  .loan-tab { border-radius: 8px; }
  .team-grid { grid-template-columns: 1fr; }
  .review-preview-actions {
    flex-direction: column;
    gap: 12px;
    margin-top: 36px;
  }
  .review-preview-actions .btn {
    width: 100%;
  }
}