/* ═══════════════════════════════════════════════════════════
   RAPIDKREDIT — design system
   Light · green primary · gold secondary
   Display: Bricolage Grotesque · Body: Manrope
   ═══════════════════════════════════════════════════════════ */

:root {
  --bg: #f6faf7;
  --surface: #ffffff;
  --mint: #e9f7ee;
  --mint-2: #d3efdd;
  --green: #16a34a;
  --green-deep: #0f7a37;
  --green-dark: #0b3b2b;
  --gold: #f5b82e;
  --gold-deep: #c77a0a;
  --gold-soft: #fff4d6;

  --ink: #0e1f17;
  --muted: #55675d;
  --faint: #8a9a91;
  --line: #dfeae3;
  --line-strong: #c9dbd0;

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

  --r-sm: 12px;
  --r-md: 18px;
  --r-lg: 24px;
  --r-xl: 32px;

  --shadow-sm: 0 2px 8px rgba(11, 59, 43, 0.06);
  --shadow: 0 12px 34px rgba(11, 59, 43, 0.09);
  --shadow-lg: 0 24px 60px rgba(11, 59, 43, 0.14);

  --nav-h: 76px;
  --container: 1200px;
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-h) + 16px);
}

body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  color: inherit;
  background: none;
  border: none;
  cursor: pointer;
}

input,
select,
textarea {
  font-family: inherit;
  color: inherit;
}

::selection {
  background: var(--green);
  color: #fff;
}

:focus-visible {
  outline: 3px solid rgba(22, 163, 74, 0.45);
  outline-offset: 3px;
  border-radius: 6px;
}

/* ── typography ── */
h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: var(--green-dark);
  text-wrap: balance;
}

.display-xl {
  font-size: clamp(2.6rem, 6vw, 4.6rem);
  font-weight: 800;
}

.display-lg {
  font-size: clamp(2rem, 4.2vw, 3.2rem);
  font-weight: 800;
}

.display-md {
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
}

.accent {
  color: var(--green);
}

.accent-gold {
  color: var(--gold-deep);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green);
}

.eyebrow::before {
  content: '';
  width: 26px;
  height: 3px;
  border-radius: 3px;
  background: var(--green);
}

.lead {
  font-size: clamp(1.02rem, 1.4vw, 1.18rem);
  color: var(--muted);
  max-width: 58ch;
}

.section-head {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: clamp(32px, 4vw, 54px);
}

.section-head.center {
  align-items: center;
  text-align: center;
}

.section-head.center .lead {
  text-align: center;
}

/* ── layout ── */
.container {
  width: min(var(--container), 92vw);
  margin-inline: auto;
}

.section {
  padding-block: clamp(64px, 8vw, 112px);
  position: relative;
}

.section-tint {
  background: linear-gradient(180deg, var(--bg), var(--mint) 50%, var(--bg));
}

.section-dark {
  background: var(--green-dark);
  color: #e8f5ee;
}

.section-dark h2,
.section-dark h3 {
  color: #fff;
}

.section-dark .lead {
  color: #b5d3c3;
}

.section-dark .eyebrow {
  color: var(--gold);
}

.section-dark .eyebrow::before {
  background: var(--gold);
}

/* ── buttons: 3D press ── */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 28px;
  border-radius: 99px;
  font-weight: 800;
  font-size: 0.96rem;
  letter-spacing: 0.01em;
  white-space: nowrap;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), background 0.25s;
}

.btn svg {
  flex-shrink: 0;
}

.btn-primary {
  background: var(--green);
  color: #fff;
  box-shadow: 0 5px 0 var(--green-deep), 0 14px 28px rgba(22, 163, 74, 0.28);
}

.btn-primary:hover {
  transform: translateY(-2px);
  background: #1cb254;
  box-shadow: 0 7px 0 var(--green-deep), 0 18px 34px rgba(22, 163, 74, 0.34);
}

.btn-primary:active {
  transform: translateY(3px);
  box-shadow: 0 1px 0 var(--green-deep), 0 6px 14px rgba(22, 163, 74, 0.22);
}

.btn-secondary {
  background: #fff;
  color: var(--green-dark);
  border: 1px solid var(--line-strong);
  box-shadow: 0 4px 0 var(--line-strong);
}

.btn-secondary:hover {
  transform: translateY(-2px);
  border-color: var(--green);
  box-shadow: 0 6px 0 var(--line-strong);
}

.btn-secondary:active {
  transform: translateY(2px);
  box-shadow: 0 1px 0 var(--line-strong);
}

.btn-gold {
  background: var(--gold);
  color: #3a2604;
  box-shadow: 0 5px 0 var(--gold-deep), 0 14px 28px rgba(245, 184, 46, 0.3);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 7px 0 var(--gold-deep), 0 18px 34px rgba(245, 184, 46, 0.36);
}

.btn-gold:active {
  transform: translateY(3px);
  box-shadow: 0 1px 0 var(--gold-deep);
}

.btn-wa {
  background: #25d366;
  color: #fff;
  box-shadow: 0 5px 0 #1a9c4b, 0 14px 28px rgba(37, 211, 102, 0.28);
}

.btn-wa:hover {
  transform: translateY(-2px);
  box-shadow: 0 7px 0 #1a9c4b, 0 18px 34px rgba(37, 211, 102, 0.34);
}

.btn-wa:active {
  transform: translateY(3px);
  box-shadow: 0 1px 0 #1a9c4b;
}

.btn-sm {
  padding: 10px 18px;
  font-size: 0.86rem;
}

.btn-lg {
  padding: 18px 34px;
  font-size: 1.05rem;
}

.btn-block {
  width: 100%;
}

/* ── chips / tags ── */
.chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 14px;
  border-radius: 99px;
  background: var(--mint);
  color: var(--green-deep);
  font-size: 0.8rem;
  font-weight: 700;
  border: 1px solid var(--mint-2);
}

.chip-gold {
  background: var(--gold-soft);
  color: var(--gold-deep);
  border-color: #f7e2a8;
}

/* ── cards ── */
.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.3s;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
  border-color: var(--mint-2);
}

.icon-tile {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: var(--mint);
  color: var(--green);
  flex-shrink: 0;
}

.icon-tile.gold {
  background: var(--gold-soft);
  color: var(--gold-deep);
}

/* ══════════ NAV ══════════ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  background: rgba(247, 250, 247, 0.85);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s, box-shadow 0.3s;
}

.nav.scrolled {
  border-bottom-color: var(--line);
  box-shadow: 0 6px 24px rgba(11, 59, 43, 0.06);
}

.nav-inner {
  width: min(var(--container), 92vw);
  margin-inline: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  color: var(--green-dark);
}

.logo .mark {
  width: 36px;
  height: 36px;
  border-radius: 11px;
  background: var(--green);
  display: grid;
  place-items: center;
  color: #fff;
  box-shadow: 0 3px 0 var(--green-deep);
}

.logo .kredit {
  color: var(--green);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-link {
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--muted);
  padding: 6px 0;
  position: relative;
  transition: color 0.25s;
}

.nav-link:hover,
.nav-link.active {
  color: var(--green-dark);
}

.nav-link::after {
  content: '';
  position: absolute;
  left: 0;
  right: 100%;
  bottom: 0;
  height: 3px;
  border-radius: 3px;
  background: var(--green);
  transition: right 0.35s var(--ease);
}

.nav-link:hover::after,
.nav-link.active::after {
  right: 0;
}

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

.nav-burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.nav-burger span {
  width: 24px;
  height: 2.5px;
  border-radius: 3px;
  background: var(--green-dark);
  transition: transform 0.3s, opacity 0.3s;
}

.nav-burger.open span:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}
.nav-burger.open span:nth-child(2) {
  opacity: 0;
}
.nav-burger.open span:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

.mobile-menu {
  display: none;
  position: fixed;
  inset: var(--nav-h) 0 0 0;
  z-index: 90;
  background: rgba(247, 250, 247, 0.98);
  backdrop-filter: blur(20px);
  padding: 28px 6vw;
  flex-direction: column;
  gap: 6px;
}

.mobile-menu.open {
  display: flex;
}

.mobile-menu a {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--green-dark);
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
}

.mobile-menu .btn {
  margin-top: 18px;
  align-self: stretch;
}

@media (max-width: 960px) {
  .nav-links,
  .nav-cta .hide-m {
    display: none;
  }
  .nav-burger {
    display: flex;
  }
}

/* ══════════ HERO ══════════ */
.hero {
  position: relative;
  overflow: hidden;
  padding-block: clamp(48px, 7vw, 96px) clamp(56px, 7vw, 100px);
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  opacity: 0.55;
}

.hero-blob.a {
  width: 560px;
  height: 560px;
  top: -200px;
  right: -120px;
  background: radial-gradient(circle, #bdebd0, transparent 65%);
}

.hero-blob.b {
  width: 420px;
  height: 420px;
  bottom: -180px;
  left: -140px;
  background: radial-gradient(circle, #ffe9b3, transparent 65%);
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}

.hero-copy {
  display: flex;
  flex-direction: column;
  gap: 24px;
  align-items: flex-start;
  min-width: 0;
}

.hero-copy > * {
  max-width: 100%;
}

.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-trust {
  display: flex;
  gap: 18px 28px;
  flex-wrap: wrap;
  margin-top: 6px;
}

.hero-trust li {
  list-style: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--green-dark);
}

.hero-trust svg {
  color: var(--green);
}

/* hero visual */
.hero-visual {
  position: relative;
  min-height: 460px;
}

.hero-photo {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4 / 4.6;
  max-width: 440px;
  margin-left: auto;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(160deg, #d9f3e3, #a8dfc0);
}

.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(11, 59, 43, 0.35));
}

.float-card {
  position: absolute;
  z-index: 3;
  background: #fff;
  border-radius: 18px;
  padding: 14px 18px;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
  display: flex;
  align-items: center;
  gap: 12px;
  animation: float 6s ease-in-out infinite;
}

.float-card .fc-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--faint);
}

.float-card .fc-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--green-dark);
  line-height: 1.1;
}

.float-card.f1 {
  top: 8%;
  left: -6%;
}

.float-card.f2 {
  bottom: 18%;
  left: -10%;
  animation-delay: 1.5s;
}

.float-card.f3 {
  bottom: -4%;
  right: 6%;
  animation-delay: 0.8s;
}

@keyframes float {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-10px);
  }
}

@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: 1fr;
  }
  .hero-visual {
    min-height: unset;
    margin-top: 12px;
  }
  .hero-photo {
    margin-inline: auto;
    max-width: 420px;
  }
  .float-card.f1 {
    left: 0;
  }
  .float-card.f2 {
    left: 0;
  }
}

@media (max-width: 520px) {
  .float-card {
    padding: 10px 14px;
  }
  .float-card .fc-value {
    font-size: 1rem;
  }
}

/* ══════════ PARTNER STRIP ══════════ */
.partner-strip {
  padding-block: 26px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.partner-inner {
  display: flex;
  align-items: center;
  gap: 18px 32px;
  flex-wrap: wrap;
  justify-content: center;
}

.partner-inner .label {
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--faint);
}

.partner-inner .p {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--muted);
}

/* ══════════ LOAN GRID ══════════ */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}

@media (max-width: 1080px) {
  .loan-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .loan-grid {
    grid-template-columns: 1fr;
  }
}

.loan-card {
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  overflow: hidden;
}

.loan-card h3 {
  font-size: 1.22rem;
}

.loan-card p {
  color: var(--muted);
  font-size: 0.93rem;
}

.loan-card .lc-link {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 800;
  color: var(--green);
  font-size: 0.9rem;
}

.loan-card .lc-link svg {
  transition: transform 0.3s var(--ease);
}

.loan-card:hover .lc-link svg {
  transform: translateX(4px);
}

.loan-card .lc-tag {
  position: absolute;
  top: 18px;
  right: 18px;
}

/* ══════════ STEPS ══════════ */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  counter-reset: step;
}

@media (max-width: 960px) {
  .steps {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .steps {
    grid-template-columns: 1fr;
  }
}

.step {
  position: relative;
  padding: 30px 26px 28px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--r-lg);
}

.step .num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 2.6rem;
  line-height: 1;
  color: var(--gold);
  margin-bottom: 14px;
}

.step h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.step p {
  color: #b5d3c3;
  font-size: 0.92rem;
}

/* ══════════ EMI CALCULATOR ══════════ */
.emi {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
}

@media (max-width: 960px) {
  .emi {
    grid-template-columns: 1fr;
  }
}

.emi-panel {
  padding: clamp(24px, 3vw, 36px);
}

.emi-field {
  margin-bottom: 26px;
}

.emi-field .row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
  gap: 12px;
}

.emi-field label {
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}

.emi-field output {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--green-dark);
}

input[type='range'] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 99px;
  background: linear-gradient(90deg, var(--green) var(--fill, 30%), var(--mint-2) var(--fill, 30%));
  outline: none;
}

input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--green);
  box-shadow: 0 3px 0 var(--green-deep), 0 6px 14px rgba(22, 163, 74, 0.3);
  cursor: pointer;
}

input[type='range']::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--green);
  box-shadow: 0 3px 0 var(--green-deep);
  cursor: pointer;
}

.emi-result {
  background: var(--green-dark);
  color: #fff;
  border-radius: var(--r-lg);
  padding: clamp(24px, 3vw, 36px);
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.emi-hero .label {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #9fcbb3;
}

.emi-hero .value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  line-height: 1.05;
  margin-top: 6px;
}

.emi-hero .value small {
  font-size: 1rem;
  font-weight: 600;
  color: #9fcbb3;
}

.emi-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.emi-split .tile {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  padding: 14px 16px;
}

.emi-split .tile .l {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #9fcbb3;
}

.emi-split .tile .v {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.25rem;
  margin-top: 4px;
}

/* proportion bar: two categorical segments, 2px gap, direct labels + legend */
.emi-bar {
  display: flex;
  gap: 2px;
  height: 14px;
  border-radius: 99px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.08);
}

.emi-bar span {
  display: block;
  height: 100%;
  transition: width 0.4s var(--ease);
}

.emi-bar .principal {
  background: #16a34a;
}

.emi-bar .interest {
  background: #c77a0a;
}

.emi-legend {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  font-size: 0.86rem;
  color: #d5e9dd;
}

.emi-legend span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.emi-legend i {
  width: 12px;
  height: 12px;
  border-radius: 3px;
  display: inline-block;
}

.emi-legend b {
  color: #fff;
}

/* ══════════ FEATURES ══════════ */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

@media (max-width: 960px) {
  .feature-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .feature-grid {
    grid-template-columns: 1fr;
  }
}

.feature {
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.feature h3 {
  font-size: 1.15rem;
}

.feature p {
  color: var(--muted);
  font-size: 0.93rem;
}

/* ══════════ TESTIMONIALS ══════════ */
.quotes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

@media (max-width: 960px) {
  .quotes {
    grid-template-columns: 1fr;
  }
}

.quote {
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.quote .stars {
  color: var(--gold);
  display: flex;
  gap: 2px;
}

.quote p {
  font-size: 1.02rem;
  color: var(--ink);
  line-height: 1.6;
}

.quote .who {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: auto;
}

.quote .who .av {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, var(--green), var(--green-deep));
  font-size: 0.85rem;
}

.quote .who b {
  display: block;
  font-size: 0.95rem;
  color: var(--green-dark);
}

.quote .who span {
  font-size: 0.8rem;
  color: var(--faint);
}

/* ══════════ FOUNDER ══════════ */
.founder {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: clamp(30px, 5vw, 64px);
  align-items: center;
}

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

.founder-card {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4 / 4.5;
  background: linear-gradient(160deg, #0b3b2b, #16a34a);
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-lg);
  max-width: 400px;
}

.founder-card .initials {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 5rem;
  color: rgba(255, 255, 255, 0.92);
  letter-spacing: -0.02em;
}

.founder-card .tag {
  position: absolute;
  left: 20px;
  bottom: 20px;
  right: 20px;
  background: rgba(255, 255, 255, 0.95);
  border-radius: 14px;
  padding: 12px 16px;
}

.founder-card .tag b {
  display: block;
  font-family: var(--font-display);
  color: var(--green-dark);
  font-size: 1.05rem;
}

.founder-card .tag span {
  font-size: 0.78rem;
  color: var(--muted);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
}

.founder-copy {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.founder-copy blockquote {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 2.2vw, 1.7rem);
  font-weight: 600;
  line-height: 1.4;
  color: var(--green-dark);
  border-left: 4px solid var(--gold);
  padding-left: 18px;
}

.founder-copy p {
  color: var(--muted);
}

/* ══════════ COVERAGE ══════════ */
.coverage {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

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

.coverage .card {
  padding: 30px 28px;
}

.coverage h3 {
  font-size: 1.3rem;
  margin-bottom: 10px;
}

.coverage p {
  color: var(--muted);
}

.city-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

.address-lines {
  margin-top: 14px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  color: var(--ink);
}

.address-lines div {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.address-lines svg {
  color: var(--green);
  flex-shrink: 0;
  margin-top: 3px;
}

/* ══════════ FAQ ══════════ */
.faq {
  max-width: 820px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 0 24px;
  transition: border-color 0.3s;
}

.faq details[open] {
  border-color: var(--green);
}

.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 0;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--green-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--green);
  transition: transform 0.3s;
  flex-shrink: 0;
}

.faq details[open] summary::after {
  transform: rotate(45deg);
}

.faq details p {
  color: var(--muted);
  padding-bottom: 22px;
}

/* ══════════ CTA BAND ══════════ */
.cta-band {
  border-radius: var(--r-xl);
  background: linear-gradient(135deg, #0b3b2b, #12864a);
  color: #fff;
  padding: clamp(40px, 6vw, 72px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  width: 420px;
  height: 420px;
  right: -140px;
  top: -160px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245, 184, 46, 0.35), transparent 65%);
}

.cta-band h2 {
  color: #fff;
  font-size: clamp(1.7rem, 3.2vw, 2.5rem);
  max-width: 18ch;
}

.cta-band p {
  color: #b5d3c3;
  margin-top: 8px;
}

.cta-band .actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  position: relative;
}

/* ══════════ FOOTER ══════════ */
.footer {
  background: #fff;
  border-top: 1px solid var(--line);
  padding: clamp(48px, 6vw, 72px) 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 40px;
}

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

@media (max-width: 560px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

.footer p {
  color: var(--muted);
  font-size: 0.92rem;
  max-width: 36ch;
  margin-top: 14px;
}

.footer h4 {
  font-family: var(--font-body);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 16px;
}

.footer-col a,
.footer-col span {
  display: block;
  padding: 5px 0;
  color: var(--muted);
  font-size: 0.93rem;
  transition: color 0.25s, transform 0.25s;
}

.footer-col a:hover {
  color: var(--green);
  transform: translateX(3px);
}

.footer-bottom {
  border-top: 1px solid var(--line);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 0.82rem;
  color: var(--faint);
}

.disclaimer {
  font-size: 0.8rem;
  color: var(--faint);
  max-width: 900px;
  margin-top: 18px;
  line-height: 1.6;
}

/* ══════════ FLOATING WHATSAPP ══════════ */
.wa-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 80;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25d366;
  color: #fff;
  display: grid;
  place-items: center;
  box-shadow: 0 5px 0 #1a9c4b, 0 14px 30px rgba(37, 211, 102, 0.4);
  transition: transform 0.3s var(--ease);
}

.wa-float:hover {
  transform: translateY(-3px) scale(1.05);
}

/* ══════════ PAGE HERO (inner pages) ══════════ */
.page-hero {
  position: relative;
  overflow: hidden;
  padding-block: clamp(48px, 7vw, 88px) clamp(36px, 5vw, 60px);
  background: linear-gradient(180deg, var(--mint), var(--bg));
}

.page-hero .container {
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
}

/* ══════════ LOAN DETAIL ══════════ */
.loan-detail {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}

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

.loan-detail .card {
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.loan-detail .head {
  display: flex;
  align-items: center;
  gap: 14px;
}

.loan-detail h3 {
  font-size: 1.35rem;
}

.loan-detail .cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 520px) {
  .loan-detail .cols {
    grid-template-columns: 1fr;
  }
}

.loan-detail h4 {
  font-family: var(--font-body);
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 8px;
}

.loan-detail ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.loan-detail li {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 0.92rem;
  color: var(--muted);
}

.loan-detail li::before {
  content: '';
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
  margin-top: 8px;
}

.loan-detail .foot {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: auto;
  padding-top: 8px;
}

/* ══════════ APPLY FORM ══════════ */
.apply {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 28px;
  align-items: start;
}

@media (max-width: 960px) {
  .apply {
    grid-template-columns: 1fr;
  }
}

.form-card {
  padding: clamp(24px, 3vw, 40px);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-grid .span-2 {
  grid-column: span 2;
}

@media (max-width: 600px) {
  .form-grid {
    grid-template-columns: 1fr;
  }
  .form-grid .span-2 {
    grid-column: span 1;
  }
}

.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.field label {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 13px 15px;
  border-radius: 12px;
  border: 1px solid var(--line-strong);
  background: #fff;
  font-size: 0.97rem;
  transition: border-color 0.25s, box-shadow 0.25s;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 4px rgba(22, 163, 74, 0.14);
}

.field textarea {
  min-height: 110px;
  resize: vertical;
}

.field .hint {
  font-size: 0.8rem;
  color: var(--faint);
}

.form-note {
  font-size: 0.84rem;
  color: var(--faint);
  margin-top: 14px;
}

.form-error {
  padding: 12px 16px;
  border-radius: 12px;
  background: #fff1f1;
  border: 1px solid #ffc9c9;
  color: #b42323;
  font-size: 0.9rem;
  margin-bottom: 16px;
}

.side-card {
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.side-card h3 {
  font-size: 1.2rem;
}

.check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.check-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: var(--muted);
  font-size: 0.94rem;
}

.check-list svg {
  color: var(--green);
  flex-shrink: 0;
  margin-top: 2px;
}

/* ══════════ REVEAL ══════════ */
.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal.in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  * {
    animation: none !important;
    transition: none !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
}

.text-center {
  text-align: center;
}

/* ══════════ LOANS MEGA-MENU ══════════ */
.icon-tile svg {
  width: 24px;
  height: 24px;
}

.nav-item {
  position: relative;
}

.nav-link .chev {
  margin-left: 4px;
  vertical-align: middle;
  transition: transform 0.3s var(--ease);
}

.has-menu:hover .chev,
.has-menu:focus-within .chev,
.has-menu.open .chev {
  transform: rotate(180deg);
}

/* invisible bridge so the pointer can travel from link to panel */
.has-menu::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 18px;
}

.mega {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translate(-50%, 8px);
  width: 640px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
  padding: 14px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s, transform 0.35s var(--ease), visibility 0.25s;
  z-index: 120;
}

.has-menu:hover .mega,
.has-menu:focus-within .mega,
.has-menu.open .mega {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}

.mega-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4px;
}

.mega-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 12px;
  border-radius: 14px;
  transition: background 0.2s;
}

.mega-item:hover {
  background: var(--mint);
}

.mega-item .icon-tile {
  width: 42px;
  height: 42px;
  border-radius: 12px;
}

.mega-item .icon-tile svg {
  width: 20px;
  height: 20px;
}

.mega-item b {
  display: block;
  font-size: 0.93rem;
  color: var(--green-dark);
  line-height: 1.2;
}

.mega-item small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  margin-top: 2px;
}

.mega-all {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 10px;
  padding: 12px 14px 4px;
  border-top: 1px solid var(--line);
  font-weight: 800;
  color: var(--green);
  font-size: 0.9rem;
}

/* mobile menu loans group */
.mobile-menu {
  overflow-y: auto;
}

.mm-group {
  padding: 12px 0 8px;
  border-bottom: 1px solid var(--line);
}

.mm-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 4px;
}

.mobile-menu .mm-loan {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  border: none;
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--green-dark);
}

.mobile-menu .mm-all {
  color: var(--green);
}

.mm-ic {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--mint);
  color: var(--green);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

.mm-ic svg {
  width: 17px;
  height: 17px;
}

/* ══════════ LOAN DETAIL PAGES ══════════ */
.crumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--faint);
}

.crumbs a:hover {
  color: var(--green);
}

.loan-hero {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(28px, 5vw, 56px);
  align-items: center;
  width: 100%;
}

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

.loan-hero-copy {
  display: flex;
  flex-direction: column;
  gap: 18px;
  align-items: flex-start;
}

.icon-tile.big {
  width: 72px;
  height: 72px;
  border-radius: 22px;
  box-shadow: 0 4px 0 var(--mint-2);
}

.icon-tile.big svg {
  width: 34px;
  height: 34px;
}

.facts {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.fact {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 18px 20px;
  box-shadow: var(--shadow-sm);
}

.fact .fl {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--faint);
}

.fact .fv {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--green-dark);
  margin-top: 4px;
  line-height: 1.2;
}

.who-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.who-chips .chip {
  font-size: 0.9rem;
  padding: 10px 16px;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}

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

.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

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