/* ==========================================================================
   GoodHands Finance — Shared Stylesheet
   ========================================================================== */

:root {
  --color-primary: #0f3d63;
  --color-primary-dark: #0a2c48;
  --color-primary-light: #17568c;
  --color-accent: #1fae6f;
  --color-accent-dark: #158a58;
  --color-bg: #f7f9fb;
  --color-surface: #ffffff;
  --color-text: #1a1f2b;
  --color-text-muted: #566072;
  --color-border: #e3e8ef;

  --font-base: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Space Grotesk", var(--font-base);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;

  --shadow-sm: 0 2px 8px rgba(15, 61, 99, 0.08);
  --shadow-md: 0 8px 24px rgba(15, 61, 99, 0.12);
  --shadow-lg: 0 20px 48px rgba(15, 61, 99, 0.16);

  --container-width: 1160px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-base);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 24px;
}

section {
  padding: 88px 0;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.2rem, 4vw, 3.4rem); }
h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); }
h3 { font-size: 1.3rem; }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent-dark);
  background: rgba(31, 174, 111, 0.1);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 16px;
}

.section-head {
  max-width: 640px;
  margin: 0 auto 56px;
  text-align: center;
}

.section-head p {
  color: var(--color-text-muted);
  margin-top: 14px;
  font-size: 1.05rem;
}

.section-head.align-left {
  margin-left: 0;
  text-align: left;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.98rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-accent);
  color: #fff;
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.5);
  color: #fff;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
  transform: translateY(-2px);
}

.btn-outline-dark {
  background: transparent;
  border-color: var(--color-border);
  color: var(--color-primary);
}

.btn-outline-dark:hover {
  border-color: var(--color-primary);
  background: rgba(15, 61, 99, 0.04);
}

.btn-block {
  width: 100%;
}

/* ---------- Header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 249, 251, 0.9);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--color-border);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  letter-spacing: -0.01em;
  color: var(--color-primary);
}

.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 0 0 2px rgba(15, 61, 99, 0.08);
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.brand span.muted {
  color: var(--color-text-muted);
  font-weight: 500;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 40px;
}

.nav-links {
  display: flex;
  gap: 32px;
}

.nav-links a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-text-muted);
  padding: 8px 2px;
  border-bottom: 2px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--color-primary);
  border-color: var(--color-accent);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--color-primary);
  border-radius: 2px;
}

/* ---------- Hero ---------- */

.hero {
  padding: 90px 0 100px;
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 55%, var(--color-primary-light) 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 82% 18%, rgba(31, 174, 111, 0.35), transparent 45%),
    radial-gradient(circle at 8% 90%, rgba(31, 174, 111, 0.18), transparent 40%);
  pointer-events: none;
}

.hero .container {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #bfe6d4;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  padding: 8px 16px;
  border-radius: 999px;
  margin-bottom: 22px;
}

.hero h1 {
  color: #fff;
  margin-bottom: 20px;
}

.hero p.lead {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.1rem;
  max-width: 520px;
  margin-bottom: 34px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

.hero-stats {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}

.hero-stats .stat-num {
  font-family: var(--font-display);
  font-variant-numeric: tabular-nums;
  font-size: 1.7rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: #fff;
}

.hero-stats .stat-label {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
}

.hero-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--color-text);
  box-shadow: var(--shadow-lg);
}

.hero-card h3 {
  margin-bottom: 6px;
}

.hero-card p.muted {
  color: var(--color-text-muted);
  font-size: 0.92rem;
  margin-bottom: 22px;
}

.hero-card .quick-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 0;
  border-top: 1px solid var(--color-border);
}

.hero-card .quick-item:first-of-type {
  border-top: none;
}

.quick-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(31, 174, 111, 0.1);
  color: var(--color-accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.quick-icon svg {
  width: 20px;
  height: 20px;
}

.quick-item .quick-title {
  font-weight: 700;
  font-size: 0.95rem;
}

.quick-item .quick-sub {
  font-size: 0.82rem;
  color: var(--color-text-muted);
}

/* ---------- Trust strip ---------- */

.trust-strip {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 28px 0;
}

.trust-strip .container {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  justify-content: space-between;
  align-items: center;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--color-text-muted);
  font-weight: 600;
  font-size: 0.9rem;
}

.trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--color-accent-dark);
  flex-shrink: 0;
}

/* ---------- Bubble showcase ---------- */

.bubble-showcase {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 55%, var(--color-primary-light) 100%);
  color: #fff;
  text-align: center;
}

.bubble-showcase::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 85% 15%, rgba(31, 174, 111, 0.3), transparent 45%),
    radial-gradient(circle at 10% 85%, rgba(31, 174, 111, 0.16), transparent 40%);
  pointer-events: none;
}

.bubble-showcase .section-head {
  position: relative;
  z-index: 2;
}

.bubble-showcase .section-head p {
  color: rgba(255, 255, 255, 0.75);
}

.bubble-stage {
  position: relative;
  z-index: 1;
  height: 340px;
  max-width: 620px;
  margin: 0 auto;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.bubble-logo-wrap {
  position: relative;
  z-index: 2;
  width: 168px;
  height: 168px;
  border-radius: 50%;
  overflow: visible;
  cursor: pointer;
  background: none;
  border: none;
  padding: 0;
  margin-bottom: 8px;
}

.bubble-logo-wrap .bubble-logo {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  box-shadow: 0 0 0 8px rgba(255, 255, 255, 0.08), 0 20px 60px rgba(0, 0, 0, 0.35);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.bubble-logo-wrap:hover .bubble-logo {
  transform: scale(1.05);
  box-shadow: 0 0 0 10px rgba(255, 255, 255, 0.14), 0 24px 60px rgba(0, 0, 0, 0.4);
}

.bubble-logo-wrap.pop .bubble-logo {
  transform: scale(1.16);
}

.bubble-logo-wrap .ripple {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 2px solid rgba(31, 174, 111, 0.55);
  opacity: 0;
}

.bubble-logo-wrap.pop .ripple {
  animation: ripple-out 0.6s ease-out;
}

@keyframes ripple-out {
  0% { transform: scale(0.9); opacity: 0.8; }
  100% { transform: scale(1.6); opacity: 0; }
}

.bubble {
  position: absolute;
  left: 50%;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 28%, rgba(255, 255, 255, 0.9), rgba(31, 174, 111, 0.35) 65%, rgba(31, 174, 111, 0.05) 100%);
  border: 1px solid rgba(255, 255, 255, 0.35);
  pointer-events: none;
  opacity: 0;
  animation-name: bubble-rise;
  animation-timing-function: cubic-bezier(0.2, 0.6, 0.4, 1);
  animation-fill-mode: forwards;
}

@keyframes bubble-rise {
  0% { transform: translate(-50%, 0) scale(0.5); opacity: 0; }
  12% { opacity: 0.95; }
  75% { opacity: 0.6; }
  100% { transform: translate(calc(-50% + var(--drift, 0px)), -280px) scale(1); opacity: 0; }
}

.bubble-hint {
  position: relative;
  z-index: 2;
  margin-top: 18px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 600;
}

@media (max-width: 720px) {
  .bubble-stage {
    height: 280px;
  }

  .bubble-logo-wrap {
    width: 130px;
    height: 130px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .bubble {
    animation: none;
    display: none;
  }
}

/* ---------- News / updates ---------- */

.filter-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 40px;
}

.filter-tab {
  padding: 10px 20px;
  border-radius: 999px;
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  font-family: var(--font-base);
  font-weight: 600;
  font-size: 0.86rem;
  color: var(--color-text-muted);
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}

.filter-tab:hover {
  border-color: var(--color-accent);
  color: var(--color-text);
}

.filter-tab.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}

.tag-pill {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 999px;
  background: rgba(31, 174, 111, 0.1);
  color: var(--color-accent-dark);
}

.news-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
  flex-wrap: wrap;
}

.news-date {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}

.news-card {
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, opacity 0.15s ease;
}

.news-card.is-hidden {
  display: none;
}

.featured-news {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 44px;
  margin-bottom: 40px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: start;
}

.featured-news .card-icon {
  width: 60px;
  height: 60px;
  margin-bottom: 0;
  flex-shrink: 0;
  background: rgba(255, 255, 255, 0.12);
}

.featured-news .tag-pill {
  background: rgba(255, 255, 255, 0.14);
  color: #bfe6d4;
}

.featured-news h2 {
  color: #fff;
  margin: 14px 0 10px;
}

.featured-news p.excerpt {
  color: rgba(255, 255, 255, 0.82);
  max-width: 640px;
}

.featured-news .news-date {
  color: rgba(255, 255, 255, 0.62);
  margin-top: 16px;
}

@media (max-width: 720px) {
  .featured-news {
    grid-template-columns: 1fr;
    padding: 30px;
  }
}

/* ---------- Cards / Grids ---------- */

.grid {
  display: grid;
  gap: 28px;
}

.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 30px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card-icon svg {
  width: 26px;
  height: 26px;
}

.card h3 {
  margin-bottom: 10px;
}

.card p {
  color: var(--color-text-muted);
  font-size: 0.95rem;
  margin-bottom: 18px;
}

.card .card-link {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-primary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.card .card-link svg {
  width: 16px;
  height: 16px;
  transition: transform 0.15s ease;
}

.card:hover .card-link svg {
  transform: translateX(3px);
}

/* ---------- Loan product cards (Services page) ---------- */

.loan-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 28px;
  align-items: start;
}

.loan-card .card-icon {
  margin-bottom: 0;
}

.loan-card .loan-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 999px;
  background: rgba(31, 174, 111, 0.1);
  color: var(--color-accent-dark);
  margin-bottom: 10px;
}

.loan-card h3 {
  margin-bottom: 8px;
}

.loan-card p.desc {
  color: var(--color-text-muted);
  margin-bottom: 18px;
}

.loan-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px 24px;
}

.loan-features li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--color-text);
}

.loan-features li svg {
  width: 16px;
  height: 16px;
  color: var(--color-accent-dark);
  flex-shrink: 0;
  margin-top: 3px;
}

.loan-card .loan-cta {
  align-self: center;
  text-align: center;
}

.loan-card .loan-amount {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  margin-top: 10px;
}

/* ---------- Process steps ---------- */

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  counter-reset: step;
}

.step {
  position: relative;
  padding-top: 8px;
}

.step .step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  margin-bottom: 18px;
}

.step h3 {
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.step p {
  color: var(--color-text-muted);
  font-size: 0.92rem;
}

/* ---------- CTA banner ---------- */

.cta-banner {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  border-radius: var(--radius-lg);
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  color: #fff;
}

.cta-banner h2 {
  color: #fff;
  margin-bottom: 10px;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.8);
}

.cta-banner .cta-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ---------- Testimonials ---------- */

.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 30px;
}

.testimonial-card .stars {
  color: var(--color-accent);
  margin-bottom: 16px;
  font-size: 0.95rem;
  letter-spacing: 2px;
}

.testimonial-card p.quote {
  color: var(--color-text);
  margin-bottom: 22px;
  font-size: 0.98rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.author-name {
  font-weight: 700;
  font-size: 0.9rem;
}

.author-role {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* ---------- Page header (inner pages) ---------- */

.page-header {
  background: linear-gradient(160deg, var(--color-primary-dark), var(--color-primary));
  color: #fff;
  padding: 64px 0;
}

.page-header .eyebrow {
  background: rgba(255, 255, 255, 0.1);
  color: #bfe6d4;
}

.page-header h1 {
  color: #fff;
  margin-bottom: 14px;
}

.page-header p {
  color: rgba(255, 255, 255, 0.82);
  max-width: 600px;
  font-size: 1.05rem;
}

.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 18px;
}

.breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
  font-weight: 600;
}

/* ---------- About page specifics ---------- */

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.split img,
.split .image-block {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.image-block {
  aspect-ratio: 4 / 3;
  background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.85);
}

.image-block svg {
  width: 30%;
  height: 30%;
}

.value-list {
  display: grid;
  gap: 20px;
  margin-top: 24px;
}

.value-item {
  display: flex;
  gap: 16px;
}

.value-item .card-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  margin-bottom: 0;
  flex-shrink: 0;
}

.value-item .card-icon svg {
  width: 22px;
  height: 22px;
}

.value-item h3 {
  font-size: 1.05rem;
  margin-bottom: 4px;
}

.value-item p {
  color: var(--color-text-muted);
  font-size: 0.92rem;
}

.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
  padding: 40px 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.stats-row .stat-num {
  font-family: var(--font-display);
  font-variant-numeric: tabular-nums;
  font-size: 2.1rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--color-primary);
}

.stats-row .stat-label {
  color: var(--color-text-muted);
  font-size: 0.9rem;
  margin-top: 6px;
}

/* ---------- Contact page ---------- */

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
  align-items: start;
}

.contact-info-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px;
}

.contact-info-card .info-item {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-top: 1px solid var(--color-border);
}

.contact-info-card .info-item:first-of-type {
  border-top: none;
  padding-top: 0;
}

.info-item .card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  margin-bottom: 0;
  flex-shrink: 0;
}

.info-item .card-icon svg {
  width: 20px;
  height: 20px;
}

.info-item .info-title {
  font-weight: 700;
  font-size: 0.92rem;
  margin-bottom: 2px;
}

.info-item .info-sub {
  color: var(--color-text-muted);
  font-size: 0.88rem;
}

.contact-form-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 40px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--color-text);
  background: var(--color-bg);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(31, 174, 111, 0.15);
  background: var(--color-surface);
}

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

.form-note {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-top: 14px;
}

.form-success {
  display: none;
  align-items: center;
  gap: 12px;
  background: rgba(31, 174, 111, 0.1);
  color: var(--color-accent-dark);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 20px;
}

.form-success.visible {
  display: flex;
}

.form-error {
  display: none;
  align-items: center;
  gap: 12px;
  background: rgba(192, 57, 43, 0.1);
  color: #c0392b;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 20px;
}

.form-error.visible {
  display: flex;
}

/* ---------- Application form ---------- */

.application-form-wrap {
  max-width: 900px;
  margin: 0 auto;
}

.form-intro-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px 36px;
  margin-bottom: 24px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.form-intro-card .card-icon {
  margin-bottom: 0;
  flex-shrink: 0;
}

.form-intro-card ul {
  margin-top: 10px;
  display: grid;
  gap: 8px;
}

.form-intro-card ul li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

.form-intro-card ul li svg {
  width: 16px;
  height: 16px;
  color: var(--color-accent-dark);
  flex-shrink: 0;
  margin-top: 3px;
}

.form-section {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 24px;
}

.form-section-head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 8px;
}

.form-section-head .step-num {
  width: 40px;
  height: 40px;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.form-section-head h3 {
  font-size: 1.15rem;
}

.form-section-desc {
  color: var(--color-text-muted);
  font-size: 0.88rem;
  margin: 4px 0 26px 56px;
}

.form-row-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 20px;
}

.req {
  color: #c0392b;
}

.choice-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.choice-option {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--color-text-muted);
  background: var(--color-bg);
  transition: border-color 0.15s ease, background 0.15s ease, color 0.15s ease;
}

.choice-option input {
  accent-color: var(--color-accent);
}

.choice-option.is-checked {
  border-color: var(--color-accent);
  background: rgba(31, 174, 111, 0.08);
  color: var(--color-text);
}

.file-upload {
  border: 2px dashed var(--color-border);
  border-radius: var(--radius-sm);
  padding: 20px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
  display: block;
}

.file-upload:hover {
  border-color: var(--color-accent);
  background: rgba(31, 174, 111, 0.04);
}

.file-upload input[type="file"] {
  display: none;
}

.file-upload .file-upload-label {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-primary);
}

.file-upload .file-upload-sub {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  margin-top: 4px;
}

.file-upload .file-name {
  font-size: 0.82rem;
  color: var(--color-accent-dark);
  font-weight: 600;
  margin-top: 8px;
  word-break: break-word;
}

.terms-box {
  max-height: 260px;
  overflow-y: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  background: var(--color-bg);
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 22px;
}

.terms-box p {
  margin-bottom: 12px;
}

.terms-box ol {
  padding-left: 20px;
  display: grid;
  gap: 10px;
  list-style: decimal;
}

.checkbox-line {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--color-text);
  margin-bottom: 18px;
}

.checkbox-line input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  accent-color: var(--color-accent);
  flex-shrink: 0;
}

.checkbox-line label {
  cursor: pointer;
}

.form-divider {
  border: none;
  border-top: 1px solid var(--color-border);
  margin: 26px 0;
}

@media (max-width: 720px) {
  .form-row-3 {
    grid-template-columns: 1fr;
  }

  .form-section {
    padding: 26px;
  }

  .form-section-desc {
    margin-left: 0;
  }

  .form-intro-card {
    flex-direction: column;
  }
}

.map-block {
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 28px;
  aspect-ratio: 16 / 5;
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 600;
  gap: 10px;
}

.map-block svg {
  width: 22px;
  height: 22px;
}

/* ---------- FAQ ---------- */

.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text);
  text-align: left;
}

.faq-question .icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(15, 61, 99, 0.08);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s ease;
  font-size: 1rem;
  line-height: 1;
}

.faq-item.open .faq-question .icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}

.faq-answer p {
  padding: 0 24px 20px;
  color: var(--color-text-muted);
  font-size: 0.94rem;
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--color-primary-dark);
  color: rgba(255, 255, 255, 0.75);
  padding: 72px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-brand .brand {
  color: #fff;
  margin-bottom: 14px;
}

.footer-brand p {
  font-size: 0.9rem;
  max-width: 280px;
  margin-bottom: 20px;
}

.social-links {
  display: flex;
  gap: 10px;
}

.social-links a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
}

.social-links a:hover {
  background: var(--color-accent);
}

.social-links svg {
  width: 17px;
  height: 17px;
}

.footer-col h4 {
  color: #fff;
  font-size: 0.92rem;
  margin-bottom: 18px;
}

.footer-col ul li {
  margin-bottom: 12px;
}

.footer-col ul li a {
  font-size: 0.9rem;
  transition: color 0.15s ease;
}

.footer-col ul li a:hover {
  color: #fff;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 28px;
  font-size: 0.85rem;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.6);
}

.footer-bottom a:hover {
  color: #fff;
}

.footer-legal {
  display: flex;
  gap: 20px;
}

/* ---------- Responsive ---------- */

@media (max-width: 960px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .hero .container { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; }
  .split { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .loan-card { grid-template-columns: auto 1fr; }
  .loan-card .loan-cta { grid-column: 1 / -1; text-align: left; }
}

@media (max-width: 720px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-actions .btn-outline-dark { display: none; }
  section { padding: 64px 0; }
  .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner { padding: 36px; flex-direction: column; text-align: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .loan-card { grid-template-columns: 1fr; }
  .loan-features { grid-template-columns: 1fr; }
}

/* ---------- Mobile nav drawer ---------- */

.main-nav.open .nav-links {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 78px;
  left: 0;
  right: 0;
  background: var(--color-surface);
  padding: 20px 24px;
  gap: 6px;
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-md);
}

.main-nav.open .nav-links a {
  padding: 12px 4px;
  border-bottom: none;
}