/* ==========================================================================
   Gold Lampstand Cashloan
   ========================================================================== */

:root {
    --green: #0B7A3B;
    --green-600: #086830;
    --green-700: #075227;
    --green-900: #06301B;
    --green-50: #EAF5EE;
    --green-100: #D3EBDB;
    --gold: #E9B530;
    --gold-600: #CF9A17;
    --cream: #F9D58E;
    --cream-50: #FFF7E6;
    --ink: #1D2620;
    --text: #55615A;
    --muted: #8A948E;
    --line: #E2E8E4;
    --bg: #FFFFFF;
    --bg-soft: #F4F7F5;
    --radius: 14px;
    --radius-lg: 22px;
    --shadow-sm: 0 2px 10px rgba(6, 48, 27, .06);
    --shadow: 0 18px 50px rgba(6, 48, 27, .12);
    --font: 'Poppins', system-ui, -apple-system, 'Segoe UI', sans-serif;
    --font-display: 'Bebas Neue', 'Oswald', Impact, sans-serif;
    --header-h: 86px;
    --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    margin: 0;
    font-family: var(--font);
    font-size: 16px;
    line-height: 1.7;
    color: var(--text);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--green); text-decoration: none; transition: color .2s; }
a:hover { color: var(--green-700); }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.2; margin: 0 0 .5em; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; list-style: none; }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.icon { width: 1.1em; height: 1.1em; flex-shrink: 0; }

.container { width: min(1240px, 100% - 40px); margin-inline: auto; }
.section { padding: 110px 0; position: relative; }
.section--soft { background: var(--bg-soft); }
.section--tight { padding: 80px 0; }

.skip-link {
    position: absolute; left: 12px; top: -60px; z-index: 999;
    background: var(--green); color: #fff; padding: 10px 16px; border-radius: 8px;
}
.skip-link:focus { top: 12px; color: #fff; }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Eyebrow + section heads ---------- */
.eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 14px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
    color: var(--green);
}
.eyebrow::before, .section-head--center .eyebrow::after {
    content: ""; width: 28px; height: 3px; border-radius: 3px;
    background: linear-gradient(90deg, var(--green) 0 60%, transparent 60% 72%, var(--gold) 72%);
}
.eyebrow--light { color: var(--cream); }
.eyebrow--light::before, .section-head--center .eyebrow--light::after {
    background: linear-gradient(90deg, var(--cream) 0 60%, transparent 60% 72%, var(--gold) 72%);
}

.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head--center { text-align: center; margin-inline: auto; }
.section-head h2 { font-size: clamp(30px, 4vw, 46px); margin: 12px 0 14px; letter-spacing: -.01em; }
.section-head h2 span, .hl { color: var(--green); }
.section-head p { font-size: 17px; margin: 0; }
.section-head--light h2 { color: #fff; }
.section-head--light h2 span { color: var(--cream); }
.section-head--light p { color: rgba(255,255,255,.75); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 12px;
    padding: 16px 28px; border-radius: 999px; border: 2px solid transparent;
    font-weight: 700; font-size: 15px; letter-spacing: .04em; text-transform: uppercase;
    line-height: 1; transition: transform .25s var(--ease), background .25s, color .25s, box-shadow .25s, border-color .25s;
    white-space: nowrap;
}
.btn .icon { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover .icon:last-child { transform: translateX(4px); }
.btn--primary { background: var(--green); color: #fff; box-shadow: 0 10px 24px rgba(11, 122, 59, .28); }
.btn--primary:hover { background: var(--green-700); color: #fff; transform: translateY(-2px); }
.btn--gold { background: var(--cream); color: var(--green-900); }
.btn--gold:hover { background: var(--gold); color: var(--green-900); transform: translateY(-2px); }
.btn--outline { border-color: var(--green); color: var(--green); background: transparent; }
.btn--outline:hover { background: var(--green); color: #fff; }
.btn--outline-light { border-color: rgba(255,255,255,.55); color: #fff; }
.btn--outline-light:hover { background: #fff; color: var(--green-900); border-color: #fff; }
.btn--block { width: 100%; }
.btn__sep { width: 1px; height: 22px; background: rgba(255,255,255,.4); }

/* ---------- Topbar ---------- */
.topbar { background: var(--green-900); color: rgba(255,255,255,.8); font-size: 14px; }
.topbar__inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 46px; }
.topbar a { color: rgba(255,255,255,.85); display: inline-flex; align-items: center; gap: 8px; }
.topbar a:hover { color: var(--cream); }
.topbar .icon { color: var(--cream); }
.topbar__contact { display: flex; gap: 28px; }
.topbar__right { display: flex; gap: 24px; align-items: center; }
.topbar__note { display: inline-flex; align-items: center; gap: 8px; color: var(--cream); font-weight: 600; }
.topbar__wa { background: rgba(255,255,255,.08); padding: 5px 14px; border-radius: 999px; }

/* ---------- Header ---------- */
.header {
    position: sticky; top: 0; z-index: 100; background: #fff;
    transition: box-shadow .3s;
}
.header.is-scrolled { box-shadow: 0 6px 30px rgba(6, 48, 27, .1); }
.header__inner { display: flex; align-items: center; gap: 28px; min-height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--green); flex-shrink: 0; }
.brand:hover { color: var(--green); }
.logo-mark { width: 50px; height: 50px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__text strong { font-size: 20px; font-weight: 800; color: var(--ink); letter-spacing: .01em; text-transform: uppercase; }
.brand__text span { font-size: 15px; font-weight: 700; color: var(--green); letter-spacing: .32em; text-transform: uppercase; }
.brand--light .brand__text strong { color: #fff; }
.brand--light .brand__text span { color: var(--cream); }
.brand--light { color: var(--cream); }

.nav { margin-left: auto; }
.nav__list { display: flex; align-items: center; gap: 4px; }
.nav__item { position: relative; display: flex; align-items: center; }
.nav__item > a {
    display: block; padding: 30px 13px; color: var(--ink); font-weight: 600; font-size: 15px; position: relative; white-space: nowrap;
}
.nav__item > a::after {
    content: ""; position: absolute; left: 14px; right: 14px; bottom: 22px; height: 2px;
    background: var(--green); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease);
}
.nav__item:hover > a, .nav__item.is-active > a { color: var(--green); }
.nav__item:hover > a::after, .nav__item.is-active > a::after { transform: scaleX(1); }
.nav__toggle-sub { display: none; }
.dropdown {
    position: absolute; top: 100%; left: 0; min-width: 240px; background: #fff;
    border-top: 3px solid var(--green); border-radius: 0 0 12px 12px; box-shadow: var(--shadow);
    padding: 10px 0; opacity: 0; visibility: hidden; transform: translateY(12px);
    transition: opacity .25s, transform .25s var(--ease), visibility .25s;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: none; }
.dropdown a { display: block; padding: 10px 22px; color: var(--ink); font-weight: 500; font-size: 15px; transition: color .2s, padding .2s; }
.dropdown a:hover { color: var(--green); padding-left: 28px; }
.nav__mobile-extra { display: none; }

.header__actions { display: flex; align-items: center; gap: 22px; }
.header__call { display: flex; align-items: center; gap: 12px; color: var(--ink); }
.header__call small { display: block; font-size: 12px; color: var(--muted); line-height: 1.2; }
.header__call strong { font-size: 15px; white-space: nowrap; }
.header__call-icon {
    width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
    background: var(--green-50); color: var(--green);
}
.header__call-icon .icon { width: 20px; height: 20px; }
.header__apply { padding: 15px 22px; }

.menu-btn { display: none; width: 46px; height: 46px; border-radius: 10px; border: 0; background: var(--green); padding: 0 12px; flex-direction: column; justify-content: center; gap: 5px; }
.menu-btn span { display: block; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s, opacity .3s; }
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-overlay { position: fixed; inset: 0; background: rgba(6, 48, 27, .5); opacity: 0; visibility: hidden; transition: .3s; z-index: 150; }
.nav-overlay.is-open { opacity: 1; visibility: visible; }

/* ---------- Hero ---------- */
.hero {
    position: relative; overflow: hidden; color: #fff;
    background:
        radial-gradient(1200px 600px at 85% -10%, rgba(233, 181, 48, .14), transparent 60%),
        linear-gradient(120deg, var(--green-900) 0%, #0A4A28 55%, var(--green-700) 100%);
}
.hero__lines { position: absolute; inset: 0; opacity: .5; pointer-events: none; }
.hero__bands { position: absolute; right: -2%; bottom: 0; width: 46%; height: 120px; pointer-events: none; }
.hero__bands::before, .hero__bands::after { content: ""; position: absolute; inset: 0; }
.hero__bands::before { background: var(--cream); clip-path: polygon(14% 100%, 100% 0, 100% 100%); opacity: .95; }
.hero__bands::after { background: var(--green); clip-path: polygon(40% 100%, 100% 35%, 100% 100%); }
.hero__inner {
    position: relative; display: grid; grid-template-columns: minmax(0, 1fr) 420px; gap: 60px; align-items: center;
    padding: 90px 0 130px;
}
.hero__slides { position: relative; display: grid; }
.hero__slide {
    grid-area: 1 / 1; opacity: 0; visibility: hidden; transform: translateY(24px);
    transition: opacity .7s var(--ease), transform .7s var(--ease), visibility .7s;
}
.hero__slide.is-active { opacity: 1; visibility: visible; transform: none; }
.hero__kicker { display: inline-flex; align-items: center; gap: 12px; font-weight: 600; letter-spacing: .06em; color: #fff; font-size: 16px; margin-bottom: 18px; }
.hero__kicker::before { content: ""; width: 40px; height: 3px; background: linear-gradient(90deg, var(--cream) 0 55%, transparent 55% 70%, var(--cream) 70%); }
.hero__kicker span { color: var(--cream); }
.hero h1, .hero__title {
    font-family: var(--font-display); font-weight: 400; color: #fff;
    font-size: clamp(54px, 7.4vw, 104px); line-height: .95; letter-spacing: .01em; margin: 0 0 24px;
}
.hero__title em { font-style: normal; color: var(--cream); }
.hero__lead { font-size: 19px; font-style: italic; color: rgba(255,255,255,.85); max-width: 540px; margin-bottom: 30px; }
.hero__lead strong { color: var(--cream); font-style: normal; }
.hero__btns { display: flex; flex-wrap: wrap; gap: 14px; }
.hero__dots { display: flex; gap: 10px; margin-top: 46px; }
.hero__dot { width: 12px; height: 12px; border-radius: 999px; border: 2px solid rgba(255,255,255,.6); background: transparent; padding: 0; transition: width .3s, background .3s; }
.hero__dot.is-active { width: 34px; background: var(--cream); border-color: var(--cream); }
.hero .calc { position: relative; z-index: 2; }

/* ---------- Calculator ---------- */
.calc {
    background: #fff; color: var(--text); border-radius: var(--radius-lg); padding: 34px 32px 26px;
    box-shadow: 0 30px 70px rgba(0,0,0,.25); border-top: 6px solid var(--gold);
}
.calc__title { text-align: center; font-size: 25px; margin-bottom: 26px; }
.calc__group { padding-bottom: 20px; margin-bottom: 20px; border-bottom: 1px solid var(--line); }
.calc__label { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; margin-bottom: 12px; }
.calc__label label { font-weight: 600; color: var(--ink); font-size: 15px; }
.calc__value { font-weight: 800; color: var(--green); font-size: 20px; }
.calc__limits { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted); margin-top: 8px; }
.calc__rows { margin: 0 0 22px; }
.calc__rows > div { display: flex; justify-content: space-between; padding: 9px 0; font-size: 15px; }
.calc__rows dt { font-weight: 600; color: var(--ink); }
.calc__rows dd { margin: 0; font-weight: 600; }
.calc__total { margin-top: 6px; padding: 14px 16px !important; background: var(--green-50); border-radius: 10px; }
.calc__total dd { color: var(--green); font-weight: 800; font-size: 19px; }
.calc__note { font-size: 12.5px; color: var(--muted); text-align: center; margin: 12px 0 0; }

.range {
    -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 99px; outline-offset: 6px;
    background: linear-gradient(90deg, var(--green) var(--fill, 50%), var(--line) var(--fill, 50%)); cursor: pointer;
}
.range::-webkit-slider-thumb {
    -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: #fff;
    border: 5px solid var(--green); box-shadow: 0 3px 10px rgba(11,122,59,.35); transition: transform .15s;
}
.range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.range::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 5px solid var(--green); box-shadow: 0 3px 10px rgba(11,122,59,.35); }

/* ---------- Highlights strip (below hero) ---------- */
.highlights { position: relative; z-index: 3; margin-top: -60px; }
.highlights__grid {
    display: grid; grid-template-columns: repeat(3, 1fr); background: #fff; border-radius: var(--radius-lg);
    box-shadow: var(--shadow); overflow: hidden;
}
.highlight { display: flex; gap: 18px; align-items: center; padding: 30px 32px; border-right: 1px solid var(--line); }
.highlight:last-child { border-right: 0; }
.highlight__icon { width: 62px; height: 62px; border-radius: 16px; flex-shrink: 0; display: grid; place-items: center; background: var(--green-50); color: var(--green); }
.highlight__icon .icon { width: 28px; height: 28px; }
.highlight strong { display: block; font-size: 30px; line-height: 1.1; color: var(--ink); font-weight: 800; }
.highlight span { font-size: 15px; }

/* ---------- About ---------- */
.about__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about__media { position: relative; padding: 0 0 40px 40px; }
.about__frame {
    position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 5 / 5.6;
    background: linear-gradient(180deg, #F7F7F7, #ECEFED);
}
.about__frame img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.about__frame::after {
    content: ""; position: absolute; right: 0; bottom: 0; width: 70%; height: 90px;
    background: linear-gradient(var(--cream), var(--cream)); clip-path: polygon(30% 100%, 100% 10%, 100% 100%);
}
.about__media::before {
    content: ""; position: absolute; left: 0; bottom: 0; width: 70%; height: 70%; border-radius: var(--radius-lg);
    background: repeating-linear-gradient(135deg, var(--green-100) 0 2px, transparent 2px 14px); z-index: -1;
}
.about__badge {
    position: absolute; left: 0; bottom: 70px; background: var(--green); color: #fff; border-radius: 18px;
    padding: 22px 26px; display: flex; gap: 14px; align-items: center; box-shadow: var(--shadow);
    animation: float 5s ease-in-out infinite;
}
.about__badge strong { font-family: var(--font-display); font-weight: 400; font-size: 50px; line-height: .9; color: var(--cream); }
.about__badge span { font-weight: 600; line-height: 1.3; font-size: 15px; }
.about__text h2 { font-size: clamp(30px, 3.6vw, 44px); margin: 12px 0 18px; }
.about__lead { font-size: 18px; color: var(--ink); }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 24px; margin: 26px 0 34px; }
.check-list li { display: flex; gap: 12px; align-items: center; font-weight: 600; color: var(--ink); }
.check-list .icon { width: 26px; height: 26px; padding: 5px; border-radius: 50%; background: var(--green); color: #fff; stroke-width: 3; }
.about__cta { display: flex; flex-wrap: wrap; align-items: center; gap: 26px; }
.about__phone { display: flex; gap: 12px; align-items: center; color: var(--ink); }
.about__phone small { display: block; color: var(--muted); font-size: 13px; }
.about__phone strong { font-size: 18px; }
.about__phone .header__call-icon { background: var(--cream-50); color: var(--gold-600); }

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

/* ---------- Loans (dark section with marquee + tabs) ---------- */
.loans-sec { background: var(--green-900); color: rgba(255,255,255,.8); overflow: hidden; }
.loans-sec::before {
    content: ""; position: absolute; inset: 0; pointer-events: none;
    background: radial-gradient(700px 400px at 10% 100%, rgba(11,122,59,.5), transparent 70%), radial-gradient(500px 300px at 100% 0, rgba(233,181,48,.12), transparent 70%);
}
.marquee { position: relative; overflow: hidden; margin-bottom: 60px; border-block: 1px solid rgba(255,255,255,.08); padding: 18px 0; }
.marquee__track { display: flex; width: max-content; animation: marquee 32s linear infinite; }
.marquee__item { display: inline-flex; align-items: center; gap: 34px; padding-right: 34px; font-family: var(--font-display); font-size: clamp(44px, 6vw, 76px); line-height: 1; white-space: nowrap; color: #fff; }
.marquee__item:nth-child(even) { color: transparent; -webkit-text-stroke: 1.5px rgba(255,255,255,.55); }
.marquee__item svg { width: 40px; height: 40px; color: var(--cream); }
@keyframes marquee { to { transform: translateX(-50%); } }

.loan-tabs { position: relative; display: grid; grid-template-columns: 420px 1fr; border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-lg); background: rgba(255,255,255,.03); }
.loan-tabs__list { border-right: 1px solid rgba(255,255,255,.1); }
.loan-tab {
    width: 100%; display: flex; align-items: center; gap: 18px; padding: 28px 30px; border: 0; background: transparent;
    color: rgba(255,255,255,.65); text-align: left; font-size: 20px; font-weight: 600; border-bottom: 1px solid rgba(255,255,255,.1); transition: color .25s, background .25s;
}
.loan-tab:last-child { border-bottom: 0; }
.loan-tab__num { font-family: var(--font-display); font-size: 26px; color: transparent; -webkit-text-stroke: 1px rgba(255,255,255,.5); font-weight: 400; }
.loan-tab__arrow { margin-left: auto; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.25); transition: .25s; }
.loan-tab__arrow .icon { width: 16px; height: 16px; }
.loan-tab:hover { color: #fff; }
.loan-tab.is-active { color: #fff; background: rgba(255,255,255,.05); }
.loan-tab.is-active .loan-tab__num { color: var(--cream); -webkit-text-stroke: 0; }
.loan-tab.is-active .loan-tab__arrow { background: var(--cream); border-color: var(--cream); color: var(--green-900); }
.loan-panel { padding: 46px 50px; display: grid; grid-template-columns: 1fr 220px; gap: 36px; align-items: center; }
.loan-panel[hidden] { display: none; }
.loan-panel.is-active { animation: fadeUp .5s var(--ease); }
.loan-panel h3 { color: #fff; font-size: 32px; margin-bottom: 14px; }
.loan-panel ul { display: grid; gap: 10px; margin: 20px 0 30px; }
.loan-panel li { display: flex; gap: 10px; align-items: center; color: #fff; }
.loan-panel li .icon { color: var(--cream); }
.loan-panel__art {
    aspect-ratio: 1; border-radius: 50%; display: grid; place-items: center; position: relative;
    background: radial-gradient(circle at 30% 30%, var(--green), var(--green-700)); color: var(--cream);
    box-shadow: 0 0 0 14px rgba(255,255,255,.04), 0 0 0 28px rgba(255,255,255,.03);
}
.loan-panel__art .icon { width: 42%; height: 42%; stroke-width: 1.4; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }

/* ---------- Features ---------- */
.features__grid { display: grid; grid-template-columns: 1fr 1.1fr; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); background: #fff; }
.features__panel {
    position: relative; background: var(--green); color: #fff; padding: 60px 50px; overflow: hidden;
    display: flex; flex-direction: column; justify-content: center;
}
.features__panel::before { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(135deg, rgba(255,255,255,.05) 0 2px, transparent 2px 22px); }
.features__panel::after { content: ""; position: absolute; right: -10%; bottom: -1px; width: 80%; height: 110px; background: var(--cream); clip-path: polygon(25% 100%, 100% 0, 100% 100%); }
.features__panel > * { position: relative; z-index: 1; }
.features__big { font-family: var(--font-display); font-size: clamp(120px, 15vw, 200px); line-height: .85; color: var(--cream); }
.features__big-label { font-size: 22px; font-weight: 700; margin: 6px 0 14px; }
.features__panel p { color: rgba(255,255,255,.8); max-width: 360px; }
.features__body { padding: 60px 56px; }
.features__body h2 { font-size: clamp(30px, 3.6vw, 44px); margin: 12px 0 14px; }
.feature { display: flex; gap: 20px; padding: 22px 0; border-top: 1px solid var(--line); }
.feature:first-of-type { margin-top: 18px; }
.feature__icon { width: 60px; height: 60px; border-radius: 50%; flex-shrink: 0; display: grid; place-items: center; background: var(--green-50); color: var(--green); transition: background .3s, color .3s; }
.feature:hover .feature__icon { background: var(--green); color: #fff; }
.feature__icon .icon { width: 26px; height: 26px; }
.feature h3 { font-size: 20px; margin-bottom: 4px; }
.feature p { margin: 0; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; counter-reset: step; }
.step { text-align: left; }
.step__icon {
    width: 120px; height: 120px; margin: 0 auto 0 0; border-radius: 50%; display: grid; place-items: center;
    background: #fff; color: var(--green); border: 1px dashed var(--green); position: relative; z-index: 1;
    box-shadow: inset 0 0 0 10px var(--green-50); transition: background .3s, color .3s;
}
.step:hover .step__icon { background: var(--green); color: #fff; box-shadow: inset 0 0 0 10px var(--green-600); }
.step__icon .icon { width: 44px; height: 44px; stroke-width: 1.6; }
.step__arrow {
    position: relative; margin: -22px 0 26px; height: 44px; display: flex; align-items: center; justify-content: center;
    background: var(--green-50); clip-path: polygon(0 0, calc(100% - 22px) 0, 100% 50%, calc(100% - 22px) 100%, 0 100%, 18px 50%);
}
.step__arrow span { background: var(--green); color: #fff; font-weight: 700; font-size: 14px; padding: 4px 16px; border-radius: 99px; }
.step h3 { font-size: 21px; margin-bottom: 8px; }
.step p { margin: 0; }

/* ---------- Requirements ---------- */
.req-sec { background: var(--cream-50); overflow: hidden; }
.req-sec::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34%; height: 90px; background: var(--green); clip-path: polygon(0 30%, 75% 100%, 0 100%); opacity: .95; }
.req-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; position: relative; z-index: 1; }
.req-card {
    position: relative; background: #fff; border-radius: var(--radius-lg); padding: 40px 34px; box-shadow: var(--shadow-sm);
    border: 1px solid #F4E4BE; transition: transform .3s var(--ease), box-shadow .3s;
}
.req-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.req-card__num { position: absolute; right: 26px; top: 18px; font-family: var(--font-display); font-size: 64px; line-height: 1; color: var(--green-50); }
.req-card__icon { width: 70px; height: 70px; border-radius: 18px; display: grid; place-items: center; background: var(--green); color: #fff; margin-bottom: 22px; }
.req-card__icon .icon { width: 32px; height: 32px; }
.req-card h3 { font-size: 21px; }
.req-card p { margin: 0; }
.req-sec__foot { position: relative; z-index: 1; text-align: center; margin-top: 50px; }
.approval-tag {
    display: inline-flex; align-items: center; gap: 18px; font-size: 22px; font-weight: 600; color: var(--ink); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 26px;
}
.approval-tag::before, .approval-tag::after { content: ""; width: 80px; height: 2px; background: var(--green); }

/* ---------- Values ---------- */
.values__grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 70px; align-items: center; }
.values__list { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.value { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; transition: border-color .3s, transform .3s var(--ease); }
.value:hover { border-color: var(--green); transform: translateY(-4px); }
.value__icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--cream-50); color: var(--gold-600); margin-bottom: 16px; }
.value__icon .icon { width: 24px; height: 24px; }
.value h3 { font-size: 19px; margin-bottom: 6px; }
.value p { margin: 0; font-size: 15px; }
.call-box {
    display: flex; align-items: center; gap: 18px; margin-top: 34px; padding: 22px 26px; border-radius: var(--radius);
    background: var(--green); color: #fff; max-width: 420px;
}
.call-box__icon { width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center; background: var(--cream); color: var(--green-900); flex-shrink: 0; }
.call-box__icon .icon { width: 24px; height: 24px; }
.call-box small { display: block; color: rgba(255,255,255,.8); }
.call-box a { color: #fff; font-size: 22px; font-weight: 700; }
.call-box a:hover { color: var(--cream); }

/* ---------- FAQ ---------- */
.faq__grid { display: grid; grid-template-columns: 1fr 1.25fr; gap: 70px; align-items: start; }
.faq__aside h2 { font-size: clamp(30px, 3.6vw, 44px); margin: 12px 0 16px; }
.faq__card { margin-top: 30px; border-radius: var(--radius-lg); overflow: hidden; position: relative; background: var(--green-900); color: #fff; padding: 34px; }
.faq__card::after { content: ""; position: absolute; right: 0; bottom: 0; width: 60%; height: 70px; background: var(--cream); clip-path: polygon(30% 100%, 100% 0, 100% 100%); opacity: .9; }
.faq__card h3 { color: #fff; font-size: 22px; }
.faq__card p { color: rgba(255,255,255,.75); }
.faq__card .btn { position: relative; z-index: 1; }
.accordion { display: grid; gap: 16px; }
.accordion__item { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; transition: border-color .3s, box-shadow .3s; }
.accordion__item.is-open { border-color: var(--green); box-shadow: var(--shadow-sm); }
.accordion__heading { margin: 0; font-size: inherit; }
.accordion__btn {
    width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 20px; text-align: left;
    padding: 22px 26px; border: 0; background: transparent; font-weight: 600; font-size: 17px; color: var(--ink);
}
.accordion__item.is-open .accordion__btn { color: var(--green); }
.accordion__icon { width: 34px; height: 34px; border-radius: 50%; flex-shrink: 0; display: grid; place-items: center; background: var(--green-50); color: var(--green); transition: transform .3s var(--ease), background .3s, color .3s; }
.accordion__icon .icon { width: 16px; height: 16px; stroke-width: 2.6; }
.accordion__item.is-open .accordion__icon { transform: rotate(45deg); background: var(--green); color: #fff; }
.accordion__panel { padding: 0 26px 22px; }
.accordion__panel p { margin: 0; }

/* ---------- Stats ---------- */
.stats { background: var(--green); color: #fff; position: relative; overflow: hidden; }
.stats::before { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(135deg, rgba(255,255,255,.05) 0 2px, transparent 2px 24px); }
.stats__grid { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; text-align: center; }
.stat strong { display: block; font-family: var(--font-display); font-weight: 400; font-size: clamp(56px, 6vw, 80px); line-height: 1; color: var(--cream); }
.stat span { font-weight: 600; letter-spacing: .04em; }

/* ---------- WhatsApp / promo section ---------- */
.promo__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.flyer {
    position: relative; overflow: hidden; max-width: 560px; min-height: 600px; padding: 38px 36px 120px;
    background: linear-gradient(160deg, #fff 0%, #F3F4F3 100%); border-radius: var(--radius-lg); box-shadow: var(--shadow);
    transform: rotate(-1.5deg); transition: transform .4s var(--ease);
}
.flyer:hover { transform: rotate(0); }
.flyer > *:not(.flyer__img) { position: relative; z-index: 2; max-width: 62%; }
.flyer::before, .flyer::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; z-index: 3; pointer-events: none; }
.flyer::before { height: 130px; background: var(--cream); clip-path: polygon(0 75%, 100% 0, 100% 100%, 0 100%); }
.flyer::after { height: 70px; background: var(--green); clip-path: polygon(0 55%, 100% 0, 100% 100%, 0 100%); }
.flyer__brand { display: flex; align-items: center; gap: 10px; color: var(--green); margin-bottom: 18px; }
.flyer__brand .logo-mark { width: 40px; height: 40px; }
.flyer__brand span { font-weight: 800; font-size: 14px; line-height: 1.15; color: var(--ink); text-transform: uppercase; }
.flyer__title { font-family: var(--font-display); font-size: 54px; line-height: .95; color: var(--ink); margin-bottom: 12px; }
.flyer__title em { font-style: normal; color: var(--green); }
.flyer__lead { font-style: italic; font-size: 15px; line-height: 1.5; color: var(--ink); margin-bottom: 16px; }
.flyer__req { font-weight: 800; text-transform: uppercase; color: var(--ink); margin-bottom: 8px; font-size: 14px; }
.flyer__list { display: grid; gap: 8px; margin-bottom: 16px; }
.flyer__list li { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--ink); }
.flyer__list .icon { width: 20px; height: 20px; padding: 4px; border-radius: 50%; background: var(--green); color: #fff; stroke-width: 3; }
.flyer__tag { display: inline-block; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--ink); border-block: 2px solid var(--green); padding: 4px 0; margin-bottom: 16px; font-size: 14px; }
.flyer__contact { display: grid; gap: 6px; font-size: 13.5px; font-style: italic; color: var(--ink); }
.flyer__contact li { display: flex; align-items: center; gap: 8px; word-break: break-all; }
.flyer__contact .icon { width: 22px; height: 22px; padding: 4px; border-radius: 50%; background: var(--green); color: #fff; font-style: normal; }
.flyer__img { position: absolute; right: -40px; bottom: 40px; width: 58%; z-index: 1; }
.promo__text h2 { font-size: clamp(30px, 3.6vw, 44px); margin: 12px 0 16px; }
.promo__btns { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.contact-pills { display: grid; gap: 14px; margin-top: 24px; }
.contact-pill { display: flex; align-items: center; gap: 14px; color: var(--ink); font-weight: 600; }
.contact-pill span { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; background: var(--green); color: #fff; flex-shrink: 0; }
.contact-pill:hover { color: var(--green); }

/* ---------- CTA strip + footer ---------- */
.cta-strip { position: relative; z-index: 2; margin-bottom: -80px; }
.cta-strip__inner {
    background: linear-gradient(110deg, var(--green) 0%, var(--green-700) 100%); border-radius: var(--radius-lg);
    padding: 46px 56px; display: flex; align-items: center; justify-content: space-between; gap: 30px; position: relative; overflow: hidden;
    box-shadow: var(--shadow);
}
.cta-strip__inner::before { content: ""; position: absolute; right: -40px; top: -60px; width: 260px; height: 260px; border-radius: 50%; border: 40px solid rgba(255,255,255,.06); }
.cta-strip__text h2 { color: #fff; font-size: clamp(24px, 2.6vw, 32px); margin: 10px 0 0; max-width: 620px; }
.cta-strip__actions { display: flex; gap: 14px; flex-wrap: wrap; position: relative; }

.footer { background: var(--green-900); color: rgba(255,255,255,.7); padding-top: 160px; position: relative; overflow: hidden; }
.footer__bands { position: absolute; right: 0; top: 0; width: 38%; height: 100%; pointer-events: none; }
.footer__bands::before { content: ""; position: absolute; right: 0; bottom: 0; width: 100%; height: 140px; background: rgba(249,213,142,.08); clip-path: polygon(30% 100%, 100% 0, 100% 100%); }
.footer__grid { position: relative; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 50px; padding-bottom: 60px; }
.footer__about p { margin: 22px 0; }
.footer__wa { display: inline-flex; align-items: center; gap: 10px; color: #fff; background: rgba(255,255,255,.08); padding: 10px 18px; border-radius: 99px; font-weight: 600; }
.footer__wa:hover { background: #25D366; color: #fff; }
.footer__title { color: #fff; font-size: 20px; margin-bottom: 24px; position: relative; padding-bottom: 14px; }
.footer__title::after { content: ""; position: absolute; left: 0; bottom: 0; width: 36px; height: 3px; background: var(--cream); border-radius: 3px; }
.footer__links { display: grid; gap: 12px; }
.footer__links a { color: rgba(255,255,255,.7); display: inline-flex; align-items: center; gap: 8px; transition: color .2s, transform .2s; }
.footer__links a::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--cream); opacity: .6; }
.footer__links a:hover { color: var(--cream); transform: translateX(4px); }
.footer__contact { display: grid; gap: 16px; }
.footer__contact li { display: flex; gap: 12px; align-items: flex-start; }
.footer__contact .icon { color: var(--cream); margin-top: 5px; }
.footer__contact a { color: rgba(255,255,255,.85); word-break: break-word; }
.footer__contact a:hover { color: var(--cream); }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.1); position: relative; }
.footer__bottom-inner { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding: 22px 0; font-size: 14px; }
.footer__bottom p { margin: 0; }

.float-wa {
    position: fixed; left: 22px; bottom: 22px; z-index: 90; width: 56px; height: 56px; border-radius: 50%;
    display: grid; place-items: center; background: #25D366; color: #fff; box-shadow: 0 10px 30px rgba(37,211,102,.45);
    animation: pulse 2.6s infinite;
}
.float-wa .icon { width: 28px; height: 28px; }
.float-wa:hover { color: #fff; transform: scale(1.06); }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(37,211,102,.5); } 70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); } 100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); } }
.to-top {
    position: fixed; right: 22px; bottom: 22px; z-index: 90; width: 50px; height: 50px; border-radius: 50%; border: 0;
    background: var(--green); color: #fff; display: grid; place-items: center; box-shadow: var(--shadow);
    opacity: 0; visibility: hidden; transform: translateY(16px); transition: .3s var(--ease);
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--gold); color: var(--green-900); }

/* ---------- Inner page banner ---------- */
.page-banner {
    position: relative; overflow: hidden; color: #fff; padding: 100px 0 110px;
    background: radial-gradient(800px 400px at 90% 0, rgba(233,181,48,.18), transparent 60%), linear-gradient(120deg, var(--green-900), var(--green-700));
}
.page-banner::before { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(135deg, rgba(255,255,255,.04) 0 2px, transparent 2px 26px); }
.page-banner__bands { position: absolute; right: 0; bottom: 0; width: 40%; height: 100px; }
.page-banner__bands::before { content: ""; position: absolute; inset: 0; background: var(--cream); clip-path: polygon(20% 100%, 100% 0, 100% 100%); }
.page-banner__bands::after { content: ""; position: absolute; inset: 0; background: var(--green); clip-path: polygon(50% 100%, 100% 40%, 100% 100%); }
.page-banner__inner { position: relative; text-align: center; }
.page-banner h1 { color: #fff; font-family: var(--font-display); font-weight: 400; font-size: clamp(50px, 7vw, 84px); line-height: 1; margin-bottom: 18px; letter-spacing: .02em; }
.breadcrumb { display: inline-flex; align-items: center; flex-wrap: wrap; justify-content: center; gap: 10px; background: rgba(255,255,255,.08); padding: 10px 22px; border-radius: 99px; font-weight: 500; }
.breadcrumb a { color: #fff; }
.breadcrumb a:hover { color: var(--cream); }
.breadcrumb .icon { width: 14px; height: 14px; color: var(--cream); }
.breadcrumb span { color: var(--cream); }

/* ---------- Loan cards (listing) ---------- */
.loan-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.loan-card {
    position: relative; display: flex; gap: 26px; padding: 40px 36px; border-radius: var(--radius-lg); background: #fff;
    border: 1px solid var(--line); overflow: hidden; transition: transform .3s var(--ease), box-shadow .3s, border-color .3s;
}
.loan-card::after { content: ""; position: absolute; right: 0; bottom: 0; width: 120px; height: 60px; background: var(--cream); clip-path: polygon(40% 100%, 100% 0, 100% 100%); opacity: 0; transition: opacity .3s; }
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.loan-card:hover::after { opacity: 1; }
.loan-card__icon { width: 78px; height: 78px; flex-shrink: 0; border-radius: 20px; display: grid; place-items: center; background: var(--green-50); color: var(--green); transition: .3s; }
.loan-card:hover .loan-card__icon { background: var(--green); color: #fff; }
.loan-card__icon .icon { width: 36px; height: 36px; stroke-width: 1.7; }
.loan-card h3 { font-size: 24px; margin-bottom: 10px; }
.loan-card h3 a { color: var(--ink); }
.loan-card h3 a:hover { color: var(--green); }
.read-more { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; text-transform: uppercase; font-size: 14px; letter-spacing: .06em; }
.read-more .icon { transition: transform .25s; }
.read-more:hover .icon { transform: translateX(4px); }

/* ---------- Loan detail ---------- */
.detail__grid { display: grid; grid-template-columns: 360px 1fr; gap: 50px; align-items: start; }
.sidebar { display: grid; gap: 30px; position: sticky; top: calc(var(--header-h) + 24px); }
.side-box { background: var(--bg-soft); border-radius: var(--radius-lg); padding: 32px 28px; }
.side-box h3 { font-size: 21px; margin-bottom: 20px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.side-links { display: grid; gap: 10px; }
.side-links a {
    display: flex; justify-content: space-between; align-items: center; padding: 15px 20px; border-radius: 10px; background: #fff;
    color: var(--ink); font-weight: 600; transition: background .25s, color .25s;
}
.side-links a:hover, .side-links a.is-active { background: var(--green); color: #fff; }
.side-help { background: var(--green-900); color: rgba(255,255,255,.8); text-align: center; position: relative; overflow: hidden; }
.side-help h3 { color: #fff; border-color: rgba(255,255,255,.12); }
.side-help .call-box__icon { margin: 0 auto 16px; }
.side-help a.side-help__phone { display: block; color: #fff; font-size: 22px; font-weight: 700; margin: 6px 0 18px; }
.detail__hero {
    position: relative; border-radius: var(--radius-lg); overflow: hidden; padding: 50px; margin-bottom: 40px;
    background: linear-gradient(120deg, var(--green), var(--green-700)); color: #fff; display: flex; align-items: center; gap: 30px;
}
.detail__hero::after { content: ""; position: absolute; right: 0; bottom: 0; width: 50%; height: 80px; background: var(--cream); clip-path: polygon(30% 100%, 100% 0, 100% 100%); }
.detail__hero-icon { width: 110px; height: 110px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.1); color: var(--cream); flex-shrink: 0; }
.detail__hero-icon .icon { width: 52px; height: 52px; stroke-width: 1.5; }
.detail__hero h2 { color: #fff; font-size: 34px; margin-bottom: 8px; }
.detail__hero p { margin: 0; color: rgba(255,255,255,.85); position: relative; z-index: 1; }
.detail__content h2 { font-size: 30px; margin-top: 10px; }
.detail__content > p { font-size: 17px; }
.benefit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 26px 0 40px; }
.benefit { display: flex; gap: 12px; align-items: center; padding: 18px 20px; border-radius: 12px; background: var(--green-50); color: var(--ink); font-weight: 600; }
.benefit .icon { width: 26px; height: 26px; padding: 5px; border-radius: 50%; background: var(--green); color: #fff; stroke-width: 3; }
.ideal { display: flex; gap: 18px; align-items: flex-start; padding: 24px 26px; border-left: 4px solid var(--gold); background: var(--cream-50); border-radius: 0 12px 12px 0; margin-bottom: 40px; }
.ideal .icon { width: 28px; height: 28px; color: var(--gold-600); }
.ideal p { margin: 0; color: var(--ink); }
.detail__calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items: start; margin: 20px 0 40px; }
.detail__calc-row .calc { box-shadow: var(--shadow); }
.mini-req { display: grid; gap: 14px; }
.mini-req li { display: flex; gap: 14px; align-items: flex-start; padding: 18px; border: 1px solid var(--line); border-radius: 12px; }
.mini-req .icon { width: 44px; height: 44px; padding: 10px; border-radius: 12px; background: var(--green); color: #fff; }
.mini-req strong { display: block; color: var(--ink); }
.mini-req span { font-size: 14px; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 22px; }
.form-grid .full { grid-column: 1 / -1; }
.form-section-title { grid-column: 1 / -1; font-size: 19px; margin: 14px 0 0; padding-bottom: 10px; border-bottom: 1px solid var(--line); display: flex; align-items: center; gap: 10px; }
.form-section-title span { width: 30px; height: 30px; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; font-size: 14px; }
.field label { display: block; font-weight: 600; color: var(--ink); font-size: 14.5px; margin-bottom: 8px; }
.field label .req { color: #C0392B; }
.field input, .field select, .field textarea {
    width: 100%; padding: 15px 18px; border-radius: 12px; border: 1px solid var(--line); background: var(--bg-soft);
    font: inherit; font-size: 15px; color: var(--ink); transition: border-color .2s, background .2s, box-shadow .2s;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); background: #fff; box-shadow: 0 0 0 4px rgba(11,122,59,.12); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: #C0392B; }
.field small { display: block; color: var(--muted); font-size: 13px; margin-top: 6px; }
.checkbox { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; color: var(--text); cursor: pointer; }
.checkbox input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--green); flex-shrink: 0; }
.form-card { background: #fff; border-radius: var(--radius-lg); padding: 44px; box-shadow: var(--shadow); border-top: 6px solid var(--green); }
.form-card h2 { font-size: 30px; }
.form-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 18px; margin-top: 8px; }
.form-actions small { color: var(--muted); }

.notice { display: flex; gap: 14px; align-items: flex-start; padding: 18px 22px; border-radius: 12px; margin-bottom: 28px; }
.notice .icon { width: 24px; height: 24px; margin-top: 2px; }
.notice p { margin: 0; }
.notice ul { list-style: disc; padding-left: 18px; margin-top: 6px; }
.notice--success { background: var(--green-50); color: var(--green-700); border: 1px solid var(--green-100); }
.notice--error { background: #FDECEA; color: #8E2A1F; border: 1px solid #F5C6C0; }

.apply__grid { display: grid; grid-template-columns: 1fr 380px; gap: 40px; align-items: start; }
.apply__side { display: grid; gap: 26px; position: sticky; top: calc(var(--header-h) + 24px); }
.doc-list { display: grid; gap: 12px; margin: 0 0 18px; }
.doc-list li { display: flex; gap: 10px; align-items: center; color: var(--ink); font-weight: 600; }
.doc-list .icon { width: 24px; height: 24px; padding: 4px; border-radius: 50%; background: var(--green); color: #fff; stroke-width: 3; }

/* ---------- Contact ---------- */
.contact-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 70px; }
.contact-card { text-align: center; padding: 44px 30px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s; }
.contact-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.contact-card__icon { width: 80px; height: 80px; margin: 0 auto 22px; border-radius: 50%; display: grid; place-items: center; background: var(--green); color: #fff; box-shadow: 0 0 0 10px var(--green-50); }
.contact-card__icon .icon { width: 32px; height: 32px; }
.contact-card h3 { font-size: 22px; }
.contact-card a { font-weight: 600; word-break: break-word; }
.contact-card p { margin: 0; }
.contact__grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 50px; align-items: start; }

/* ---------- 404 ---------- */
.notfound { text-align: center; padding: 120px 0 160px; }
.notfound strong { display: block; font-family: var(--font-display); font-weight: 400; font-size: clamp(120px, 20vw, 220px); line-height: .9; color: var(--green); }
.notfound h1 { font-size: 34px; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0ms); }
.reveal.is-visible { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
    .reveal { opacity: 1; transform: none; }
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1440px) {
    .header__call { display: none; }
}

@media (max-width: 1100px) {
    :root { --header-h: 76px; }
    .menu-btn { display: inline-flex; }
    .header__apply { display: none; }
    .nav {
        position: fixed; top: 0; right: 0; bottom: 0; width: min(360px, 88vw); background: #fff; z-index: 200;
        padding: 90px 26px 30px; overflow-y: auto; transform: translateX(100%); visibility: hidden;
        transition: transform .4s var(--ease), visibility .4s;
    }
    .nav.is-open { transform: none; visibility: visible; box-shadow: -20px 0 60px rgba(0,0,0,.15); }
    body.nav-open .header { z-index: 300; }
    .nav__list { flex-direction: column; align-items: stretch; gap: 0; }
    .nav__item { flex-wrap: wrap; border-bottom: 1px solid var(--line); }
    .nav__item > a { padding: 16px 4px; flex: 1; }
    .nav__item > a::after { display: none; }
    .nav__toggle-sub { display: grid; place-items: center; width: 40px; height: 40px; border: 0; border-radius: 8px; background: var(--green-50); color: var(--green); }
    .nav__toggle-sub[aria-expanded="true"] .icon { transform: rotate(180deg); }
    .dropdown { position: static; width: 100%; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 12px; display: none; min-width: 0; }
    .has-dropdown.is-sub-open .dropdown { display: block; }
    .has-dropdown:hover .dropdown { transform: none; }
    .dropdown a { padding: 10px 14px; }
    .nav__mobile-extra { display: grid; gap: 14px; margin-top: 28px; }
    .nav__mobile-link { display: flex; gap: 10px; align-items: center; color: var(--ink); font-weight: 500; word-break: break-all; }
    .menu-btn { position: relative; z-index: 210; }
    body.nav-open { overflow: hidden; }

    .hero__inner { grid-template-columns: 1fr; gap: 50px; padding: 70px 0 120px; }
    .hero .calc { max-width: 520px; width: 100%; }
    .about__grid, .values__grid, .faq__grid, .promo__grid, .contact__grid { grid-template-columns: 1fr; gap: 56px; }
    .about__media { max-width: 560px; }
    .loan-tabs { grid-template-columns: 1fr; }
    .loan-tabs__list { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.1); }
    .features__grid { grid-template-columns: 1fr; }
    .steps { grid-template-columns: repeat(2, 1fr); gap: 46px 30px; }
    .stats__grid { grid-template-columns: repeat(2, 1fr); }
    .footer__grid { grid-template-columns: 1fr 1fr; }
    .detail__grid, .apply__grid { grid-template-columns: 1fr; }
    .sidebar, .apply__side { position: static; }
    .detail__grid .sidebar { order: 2; }
    .cta-strip__inner { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 860px) {
    .topbar__contact li:first-child, .topbar__note { display: none; }
    .section { padding: 80px 0; }
    .highlights__grid { grid-template-columns: 1fr; }
    .highlight { border-right: 0; border-bottom: 1px solid var(--line); }
    .highlight:last-child { border-bottom: 0; }
    .req-grid, .loan-cards, .contact-cards { grid-template-columns: 1fr; }
    .detail__calc-row { grid-template-columns: 1fr; }
    .loan-panel { grid-template-columns: 1fr; padding: 36px 28px; }
    .loan-panel__art { max-width: 160px; order: -1; }
}

@media (max-width: 600px) {
    .container { width: calc(100% - 32px); }
    .topbar__inner { justify-content: center; }
    .topbar__contact { display: none; }
    .brand__text strong { font-size: 16px; }
    .brand__text span { font-size: 12px; }
    .logo-mark { width: 42px; height: 42px; }
    .hero__lead { font-size: 17px; }
    .hero__btns .btn { flex: 1 1 100%; }
    .calc { padding: 28px 22px 22px; }
    .check-list, .values__list, .benefit-grid, .form-grid { grid-template-columns: 1fr; }
    .about__media { padding: 0 0 30px 20px; }
    .about__badge { padding: 16px 18px; bottom: 40px; }
    .about__badge strong { font-size: 40px; }
    .steps { grid-template-columns: 1fr; }
    .features__panel, .features__body { padding: 44px 28px; }
    .loan-tab { padding: 22px 20px; font-size: 18px; }
    .loan-card { flex-direction: column; padding: 32px 26px; }
    .detail__hero { flex-direction: column; align-items: flex-start; padding: 36px 28px; }
    .footer__grid { grid-template-columns: 1fr; gap: 40px; }
    .cta-strip__inner { padding: 36px 26px; }
    .cta-strip__actions .btn { flex: 1 1 100%; }
    .form-card { padding: 30px 22px; }
    .approval-tag { font-size: 17px; gap: 12px; }
    .approval-tag::before, .approval-tag::after { width: 40px; }
    .page-banner { padding: 70px 0 90px; }
    .marquee__item svg { width: 28px; height: 28px; }
}