/* ==========================================================================
   Kredistar website — design system
   Colours sampled from the Kredistar Finserv logo:
     brand blue #0270C4 · star green #04B35A · FINSERV navy #041D4E
   ========================================================================== */
:root{
  --brand:#0270C4; --brand-600:#025FA8; --brand-700:#034C88; --brand-50:#EAF3FC; --brand-100:#D3E6F8;
  --green:#04B35A; --green-600:#03994D; --green-50:#E7F8EF;
  --navy:#041D4E; --navy-800:#0A2A63; --navy-700:#123676;
  --ink:#0E1B33; --body:#3D4B63; --muted:#6B7890; --line:#E2E8F1; --line-2:#EDF1F7;
  --paper:#FFFFFF; --tint:#F4F7FB; --gold:#F2A227;
  --font-d:'Sora',system-ui,sans-serif; --font-b:'Inter',system-ui,sans-serif;
  --r-sm:10px; --r:16px; --r-lg:24px; --r-xl:32px;
  --sh-1:0 1px 2px rgba(14,27,51,.06),0 4px 14px rgba(14,27,51,.06);
  --sh-2:0 2px 6px rgba(14,27,51,.06),0 18px 40px rgba(14,27,51,.10);
  --sh-3:0 30px 70px rgba(4,29,78,.28);
  --wrap:1220px; --nav-h:76px; --bn-h:66px;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-b);font-size:16px;line-height:1.6;color:var(--body);background:var(--paper);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{color:var(--brand-700)}
h1,h2,h3,h4{font-family:var(--font-d);color:var(--ink);line-height:1.15;margin:0;letter-spacing:-.02em}
p{margin:0}
button,input,select,textarea{font:inherit;color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.mono{font-family:ui-monospace,'SFMono-Regular',Menlo,monospace;letter-spacing:0}
.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:12px;top:12px}
.ic{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.ic-sm{width:16px;height:16px}
:focus-visible{outline:3px solid rgba(2,112,196,.45);outline-offset:2px;border-radius:6px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:999px;border:1.5px solid transparent;font-weight:600;font-size:15px;line-height:1.2;cursor:pointer;transition:transform .15s var(--ease),box-shadow .2s var(--ease),background .2s,color .2s,border-color .2s;white-space:nowrap;text-decoration:none}
.btn .ic{width:18px;height:18px}
.btn:active{transform:translateY(1px) scale(.99)}
.btn-sm{padding:9px 16px;font-size:14px}
.btn-lg{padding:15px 28px;font-size:16px}
.btn-block{width:100%}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 6px 18px rgba(2,112,196,.28)}
.btn-primary:hover{background:var(--brand-600);color:#fff;box-shadow:0 10px 24px rgba(2,112,196,.34)}
.btn-green{background:var(--green);color:#fff;box-shadow:0 6px 18px rgba(4,179,90,.3)}
.btn-green:hover{background:var(--green-600);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-outline-light{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.4);backdrop-filter:blur(4px)}
.btn-outline-light:hover{background:rgba(255,255,255,.14);color:#fff;border-color:#fff}
.link-arrow{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--brand);font-size:15px}
.link-arrow .ic{width:17px;height:17px;transition:transform .2s var(--ease)}
.link-arrow:hover .ic{transform:translateX(3px)}

.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.eyebrow::before{content:"";width:0;height:0;border-left:6px solid transparent;border-right:6px solid transparent;border-bottom:10px solid var(--green)}
.eyebrow-light{color:#9CCBF2}
.pill{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.04em;padding:4px 10px;border-radius:999px;text-transform:uppercase}
.pill-bank{background:var(--brand-50);color:var(--brand-700)}
.pill-nbfc{background:var(--green-50);color:var(--green-600)}
.fineprint{font-size:12.5px;line-height:1.6;color:var(--muted)}
.fineprint-light{color:rgba(255,255,255,.6)}
.card-float{background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh-3)}

/* ---------- utility bar ---------- */
.utility{background:var(--navy);color:rgba(255,255,255,.78);font-size:13px}
.utility-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:38px}
.utility-note{display:flex;align-items:center;gap:8px;min-width:0}
.utility-note span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.utility-links a,.utility-hours{white-space:nowrap}
.utility-note b{color:#fff}
.utility-note .ic{width:16px;height:16px;color:var(--green)}
.utility-links{display:flex;gap:22px;align-items:center}
.utility-links a,.utility-hours{color:rgba(255,255,255,.78);display:inline-flex;align-items:center;gap:6px}
.utility-links a:hover{color:#fff}
.utility-links .ic{width:15px;height:15px}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid var(--line-2);transition:box-shadow .25s}
.nav.is-scrolled{box-shadow:0 8px 30px rgba(14,27,51,.08)}
.nav-row{display:flex;align-items:center;gap:20px;height:var(--nav-h)}
.nav-logo img{height:46px;width:auto}
.nav-links{display:flex;align-items:center;gap:4px;flex:1}
.nav-links>a,.nav-item>a{display:inline-flex;align-items:center;gap:4px;white-space:nowrap;padding:10px 12px;border-radius:10px;font-size:15px;font-weight:600;color:var(--ink)}
.nav-links>a:hover,.nav-item>a:hover,.nav-links a.is-active{color:var(--brand);background:var(--brand-50)}
.nav-item{position:relative}
.mega{position:absolute;left:-20px;top:calc(100% + 10px);width:820px;display:grid;grid-template-columns:1fr 250px;gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-2);opacity:0;visibility:hidden;transform:translateY(8px);transition:all .2s var(--ease);overflow:hidden}
.mega::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.has-mega:hover .mega,.has-mega:focus-within .mega{opacity:1;visibility:visible;transform:none}
.mega-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px;padding:16px}
.mega-link{display:flex;gap:12px;align-items:center;padding:11px 12px;border-radius:12px;color:var(--ink)}
.mega-link:hover{background:var(--tint);color:var(--ink)}
.mega-link b{display:block;font-size:14.5px}
.mega-link small{display:block;font-size:12.5px;color:var(--muted)}
.mega-ic{width:38px;height:38px;border-radius:11px;background:var(--brand-50);color:var(--brand);display:grid;place-items:center;flex-shrink:0}
.mega-side{background-size:cover;background-position:center;color:#fff;padding:24px;display:flex;flex-direction:column;gap:10px;justify-content:flex-end}
.mega-side b{font-family:var(--font-d);font-size:19px;line-height:1.25}
.mega-side p{font-size:13.5px;color:rgba(255,255,255,.8)}
.mega-side .btn{align-self:flex-start;margin-top:6px}
.nav-cta{display:flex;align-items:center;gap:8px}
.nav-cta .btn-ghost{border-color:transparent}
.nav-cta .btn-ghost:hover{background:var(--tint)}
.nav-burger{display:none;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;place-items:center;cursor:pointer;color:var(--ink)}

/* drawer */
.drawer-scrim{position:fixed;inset:0;background:rgba(4,29,78,.45);opacity:0;visibility:hidden;transition:.25s;z-index:80}
.drawer{position:fixed;top:0;right:0;bottom:0;width:min(380px,90vw);background:#fff;z-index:90;transform:translateX(100%);transition:transform .3s var(--ease);display:flex;flex-direction:column;box-shadow:var(--sh-3)}
body.drawer-open .drawer{transform:none}
body.drawer-open .drawer-scrim{opacity:1;visibility:visible}
body.drawer-open{overflow:hidden}
.drawer-head{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;border-bottom:1px solid var(--line-2)}
.drawer-head img{height:36px;width:auto}
.drawer-close{width:40px;height:40px;border-radius:12px;border:1px solid var(--line);background:#fff;display:grid;place-items:center;cursor:pointer}
.drawer-body{padding:12px 20px 40px;overflow-y:auto}
.drawer-label{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:16px 0 8px}
.drawer-loans{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.drawer-loans a{display:flex;align-items:center;gap:10px;padding:10px;border:1px solid var(--line-2);border-radius:12px;font-size:14px;font-weight:600;color:var(--ink)}
.drawer-loans .mega-ic{width:32px;height:32px;border-radius:9px}
.drawer-loans .ic{width:17px;height:17px}
.drawer-link{display:flex;align-items:center;gap:12px;padding:11px 4px;color:var(--ink);font-weight:500;border-bottom:1px solid var(--line-2)}
.drawer-link .ic{color:var(--brand)}

/* ---------- hero ---------- */
.hero{position:relative;color:#fff;padding:72px 0 0;isolation:isolate;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-1;background:
  linear-gradient(100deg,rgba(4,29,78,.97) 0%,rgba(4,29,78,.9) 38%,rgba(3,76,136,.72) 65%,rgba(2,112,196,.55) 100%),
  var(--hero-img) center/cover no-repeat, var(--navy)}
.hero-bg::after{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 85% 10%,rgba(4,179,90,.28),transparent 60%),linear-gradient(180deg,transparent 70%,rgba(4,29,78,.6))}
.hero-row{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);font-size:13.5px;font-weight:500}
.dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(4,179,90,.25);animation:pulse 2s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 8px rgba(4,179,90,0)}}
.hero h1{color:#fff;font-size:clamp(34px,4.6vw,58px);font-weight:800;margin:22px 0 18px;letter-spacing:-.03em}
.hero h1 span{background:linear-gradient(90deg,#6FE0A6,#5BB8FF);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-sub{font-size:18px;color:rgba(255,255,255,.82);max-width:600px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero-points{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:10px 24px;font-size:14.5px;color:rgba(255,255,255,.88)}
.hero-points li{display:flex;align-items:center;gap:7px}
.hero-points .ic{width:18px;height:18px;color:#6FE0A6}
.hero-form{padding:26px 26px 22px;color:var(--body)}
.hf-head b{display:block;font-family:var(--font-d);font-size:21px;color:var(--ink)}
.hf-head span{font-size:13.5px;color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);margin-top:64px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-bottom:0;border-radius:var(--r-lg) var(--r-lg) 0 0;backdrop-filter:blur(8px)}
.stat{padding:24px 28px;border-right:1px solid rgba(255,255,255,.12)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--font-d);font-size:34px;color:#fff;letter-spacing:-.02em}
.stat b small{font-size:20px;color:#6FE0A6;margin-left:2px}
.stat span{font-size:14px;color:rgba(255,255,255,.7)}

/* lender marquee */
.lender-strip{background:#fff;border-bottom:1px solid var(--line-2)}
.lender-strip-row{display:flex;align-items:center;gap:24px;height:72px}
.lender-strip-label{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.marquee{overflow:hidden;flex:1;mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.marquee-track{display:flex;gap:44px;width:max-content;animation:marq 38s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-item{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-d);font-weight:700;font-size:17px;color:var(--navy);white-space:nowrap}
.marquee-item i{width:10px;height:10px;border-radius:3px;background:var(--brand);transform:rotate(45deg)}
.marquee-item i.partner-nbfc{background:var(--green)}
@keyframes marq{to{transform:translateX(-50%)}}

/* ---------- sections ---------- */
.section{padding:96px 0}
.section-tint{background:var(--tint)}
.section-navy{background:var(--navy);color:rgba(255,255,255,.78)}
.section-navy h2{color:#fff}
.section-navy .shead p{color:rgba(255,255,255,.7)}
.section-navy .eyebrow{color:#9CCBF2}
.shead{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:44px}
.shead h2{font-size:clamp(28px,3.2vw,42px);font-weight:800;margin-top:12px}
.shead h2 em{font-style:normal;color:var(--brand)}
.shead p{margin-top:12px;max-width:640px;font-size:17px;color:var(--muted)}
.shead-center{justify-content:center;text-align:center}
.shead-center p{margin-left:auto;margin-right:auto}
.lead{font-size:17.5px;color:var(--body)}

/* loan cluster */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.loan-card{position:relative;display:flex;flex-direction:column;justify-content:flex-end;min-height:300px;border-radius:var(--r-lg);overflow:hidden;color:#fff;isolation:isolate;background:var(--navy);box-shadow:var(--sh-1);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.loan-card.is-wide{grid-column:span 2;min-height:340px}
.loan-card::before{content:"";position:absolute;inset:0;z-index:-2;background:var(--img) center/cover no-repeat,radial-gradient(90% 70% at 85% 10%,rgba(4,179,90,.45),transparent 60%),linear-gradient(150deg,var(--brand) 0%,var(--navy) 75%);transition:transform .7s var(--ease)}
.loan-card::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(4,29,78,.05) 0%,rgba(4,29,78,.45) 45%,rgba(4,29,78,.94) 100%)}
.loan-card:hover{transform:translateY(-4px);box-shadow:var(--sh-2);color:#fff}
.loan-card:hover::before{transform:scale(1.06)}
.loan-card-ic{position:absolute;top:18px;left:18px;width:44px;height:44px;border-radius:13px;background:rgba(255,255,255,.16);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.25);display:grid;place-items:center}
.loan-card-body{padding:22px;display:flex;flex-direction:column;gap:4px}
.loan-card-rate{align-self:flex-start;font-size:12.5px;font-weight:700;padding:5px 10px;border-radius:999px;background:var(--green);color:#fff;margin-bottom:6px}
.loan-card b{font-family:var(--font-d);font-size:22px;line-height:1.2}
.loan-card-meta{font-size:13.5px;color:rgba(255,255,255,.75)}
.loan-card-tag{font-size:14px;color:rgba(255,255,255,.85);max-height:0;opacity:0;overflow:hidden;transition:all .35s var(--ease)}
.loan-card.is-wide .loan-card-tag,.loan-card:hover .loan-card-tag{max-height:80px;opacity:1;margin-top:4px}
.loan-card-cta{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:14px;margin-top:10px;color:#9CE7BE}
.loan-card-cta .ic{width:16px;height:16px;transition:transform .2s}
.loan-card:hover .loan-card-cta .ic{transform:translateX(4px)}
.rate-tbd{font-size:.85em}

/* about */
.about{display:grid;grid-template-columns:1fr 1.05fr;gap:64px;align-items:center}
.about-media{position:relative}
.about-img{aspect-ratio:4/4.3;border-radius:var(--r-xl);background:var(--navy) center/cover;box-shadow:var(--sh-2)}
.about-media::before{content:"";position:absolute;width:140px;height:140px;right:-22px;top:-22px;border-radius:28px;background:repeating-linear-gradient(45deg,var(--green) 0 2px,transparent 2px 12px);opacity:.35;z-index:-1}
.about-badge{position:absolute;left:-24px;bottom:32px;padding:20px 22px;max-width:250px}
.about-badge b{display:block;font-family:var(--font-d);font-size:30px;color:var(--brand)}
.about-badge span{font-size:14px;color:var(--muted);line-height:1.45;display:block}
.about-copy h2{font-size:clamp(28px,3vw,40px);font-weight:800;margin:14px 0 18px}
.about-copy h2 em{font-style:normal;color:var(--green)}
.about-points{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:30px 0}
.about-points b{display:block;color:var(--ink);margin-top:12px}
.about-points p{font-size:14.5px;color:var(--muted)}
.decl-ic{width:44px;height:44px;border-radius:13px;background:var(--brand-50);color:var(--brand);display:grid;place-items:center;flex-shrink:0}
.about-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.about-cin{font-size:14px;color:var(--muted)}
.about-cin b{color:var(--ink)}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:s;position:relative}
.steps::before{content:"";position:absolute;top:27px;left:10%;right:10%;height:2px;background:repeating-linear-gradient(90deg,var(--brand-100) 0 8px,transparent 8px 14px)}
.step{position:relative;text-align:center;padding:0 6px}
.step-num{position:relative;width:56px;height:56px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--brand);color:var(--brand);font-family:var(--font-d);font-weight:800;font-size:20px;box-shadow:0 0 0 8px #fff}
.step:last-child .step-num{background:var(--green);border-color:var(--green);color:#fff}
.step-day{display:inline-block;font-size:12px;font-weight:700;color:var(--green-600);background:var(--green-50);padding:3px 10px;border-radius:999px}
.step b{display:block;font-family:var(--font-d);color:var(--ink);font-size:17px;margin:10px 0 6px}
.step p{font-size:14px;color:var(--muted)}

/* EMI widget */
.emi{display:grid;grid-template-columns:1.2fr .8fr;background:#fff;border-radius:var(--r-xl);box-shadow:var(--sh-2);overflow:hidden}
.emi-inputs{padding:36px;display:flex;flex-direction:column;gap:26px}
.range-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;font-weight:600;color:var(--ink);font-size:15px}
.range-top output{font-family:var(--font-d);font-size:20px;color:var(--brand);background:var(--brand-50);padding:4px 12px;border-radius:10px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;background:linear-gradient(90deg,var(--brand) var(--p,50%),var(--line) var(--p,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:6px solid var(--brand);box-shadow:0 2px 8px rgba(2,112,196,.35)}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--brand)}
.emi-result{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-700) 100%);color:#fff;padding:36px;display:flex;flex-direction:column;gap:16px}
.emi-value{font-family:var(--font-d);font-size:46px;font-weight:800;letter-spacing:-.03em}
.emi-donut{display:flex;align-items:center;gap:20px}
.emi-donut svg{width:110px;height:110px;flex-shrink:0}
.emi-legend{display:flex;flex-direction:column;gap:10px;font-size:14px;color:rgba(255,255,255,.75)}
.emi-legend b{display:block;color:#fff;font-size:16px}
.emi-legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.lg-p{background:rgba(255,255,255,.3)}.lg-i{background:var(--green)}
.emi-total{display:flex;justify-content:space-between;padding:14px 0;border-top:1px solid rgba(255,255,255,.14);border-bottom:1px solid rgba(255,255,255,.14)}
.emi-total b{font-family:var(--font-d);font-size:18px}

/* forms */
.field{display:flex;flex-direction:column;gap:6px;font-size:13.5px;font-weight:600;color:var(--ink)}
.field em{font-style:normal;font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;font-size:15px;font-weight:500;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px rgba(2,112,196,.12)}
.field.has-error input,.field.has-error select{border-color:#D93B3B}
.prefix{display:flex;border:1.5px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.prefix:focus-within{border-color:var(--brand);box-shadow:0 0 0 4px rgba(2,112,196,.12)}
.prefix i{font-style:normal;padding:12px 12px;background:var(--tint);color:var(--muted);border-right:1px solid var(--line)}
.prefix input{border:0!important;box-shadow:none!important;border-radius:0}
.lead-form{display:flex;flex-direction:column;gap:16px;margin-top:18px}
.lf-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;line-height:1.5;color:var(--muted);cursor:pointer}
.check input{margin-top:3px;width:17px;height:17px;accent-color:var(--brand);flex-shrink:0}
.lf-note{display:flex;gap:6px;align-items:center;justify-content:center;font-size:12.5px;color:var(--muted);text-align:center}
.lf-note .ic{color:var(--green)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.lf-result:empty{display:none}
.lf-result{padding:14px 16px;border-radius:12px;font-size:14px}
.lf-result.is-ok{background:var(--green-50);color:#0B5B33;border:1px solid #BDE9D0}
.lf-result.is-err{background:#FDECEC;color:#8E1F1F;border:1px solid #F5C2C2}
.lf-success{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.lf-success b{font-family:var(--font-d);font-size:18px;color:#0B5B33}
.lf-ref{font-family:ui-monospace,monospace;background:#fff;padding:3px 8px;border-radius:6px;border:1px solid #BDE9D0}

/* partners */
.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.partner-card{display:flex;align-items:center;gap:14px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:all .25s var(--ease);position:relative}
.partner-card:hover{border-color:var(--brand-100);box-shadow:var(--sh-1);transform:translateY(-2px)}
.partner-card b{display:block;color:var(--ink);font-size:15px;line-height:1.3}
.partner-card span{font-size:12.5px;color:var(--muted)}
.partner-card .partner-desc{display:block}
.partner-card .pill{margin-top:7px;font-size:10px;padding:3px 8px}
.partner-mono{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;flex-shrink:0;font-family:var(--font-d);font-weight:800;font-size:12.5px;letter-spacing:.02em;color:#fff;background:linear-gradient(135deg,var(--brand),var(--navy))}
.partner-card .partner-mono{color:#fff;font-size:12px}
.partner-mono.partner-nbfc{background:linear-gradient(135deg,var(--green),#05683A)}
.partner-more{border-style:dashed;background:transparent}
.partner-more .partner-mono{background:var(--tint);color:var(--brand)}

/* disclosure */
.disc{display:grid;grid-template-columns:.85fr 1.15fr;gap:24px;align-items:start}
.disc-stats{display:flex;flex-direction:column;gap:14px}
.disc-stat{padding:22px 24px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.disc-stat span{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.disc-stat b{display:block;font-family:var(--font-d);font-size:34px;color:var(--ink);margin:4px 0}
.disc-stat b small{font-size:16px;color:var(--muted)}
.disc-stat em{font-style:normal;font-size:14px;color:var(--muted)}
.disc-stat.is-accent{background:var(--navy);border-color:var(--navy)}
.disc-stat.is-accent span,.disc-stat.is-accent em,.disc-stat.is-accent b small{color:rgba(255,255,255,.7)}
.disc-stat.is-accent b{color:#fff}
.disc-example{padding:28px;border-radius:var(--r-lg);background:var(--tint);border:1px solid var(--line)}
.disc-example-head b{display:block;font-family:var(--font-d);font-size:20px;color:var(--ink);margin-top:8px}
.disc-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.disc-table td{padding:11px 0;border-bottom:1px dashed var(--line)}
.disc-table td:last-child{text-align:right;font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}
.disc-table tr.is-total td{font-weight:700;color:var(--ink);border-bottom:0;border-top:1px solid var(--line)}
.disc-table tr.is-total td:last-child{color:var(--brand);font-size:17px}

/* declarations */
.decl-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.decl{padding:24px;border-radius:var(--r);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);transition:background .25s}
.decl:hover{background:rgba(255,255,255,.08)}
.decl .decl-ic{background:rgba(4,179,90,.16);color:#6FE0A6}
.decl b{display:block;font-family:var(--font-d);color:#fff;font-size:17px;margin:16px 0 8px}
.decl p{font-size:14px;line-height:1.6;color:rgba(255,255,255,.72)}
.decl-foot{margin-top:28px;font-size:14px}
.decl-foot a{color:#9CCBF2;text-decoration:underline;text-underline-offset:3px}

/* faq */
.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.faq-layout .shead{margin-bottom:24px}
.faq-help{display:flex;flex-wrap:wrap;align-items:center;gap:14px;padding:20px;border:1px solid var(--line);border-radius:var(--r);background:var(--tint)}
.faq-help b{display:block;color:var(--ink)}
.faq-help p{font-size:14px;color:var(--muted)}
.faq-help>div{flex:1;min-width:160px}
.faq{display:flex;flex-direction:column;gap:10px}
.faq-item{border:1px solid var(--line);border-radius:var(--r);background:#fff;transition:box-shadow .2s,border-color .2s}
.faq-item[open]{border-color:var(--brand-100);box-shadow:var(--sh-1)}
.faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 22px;font-weight:600;color:var(--ink);font-size:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .ic{transition:transform .25s;color:var(--brand)}
.faq-item[open] summary .ic{transform:rotate(180deg)}
.faq-a{padding:0 22px 20px;color:var(--body);font-size:15px}

/* posts */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post-card{display:flex;flex-direction:column;background:#fff;border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);transition:all .3s var(--ease);color:var(--body)}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--sh-2);color:var(--body)}
.post-img{aspect-ratio:16/9;background:linear-gradient(135deg,var(--brand),var(--navy)) center/cover}
.post-body{padding:22px;display:flex;flex-direction:column;gap:8px;flex:1}
.post-date{font-size:13px;color:var(--muted)}
.post-card b{font-family:var(--font-d);font-size:19px;color:var(--ink);line-height:1.3}
.post-ex{font-size:14.5px;color:var(--muted);flex:1}

/* CTA */
.section-cta-wrap{padding-top:0}
.cta-band{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;padding:48px;border-radius:var(--r-xl);color:#fff;background:radial-gradient(70% 120% at 100% 0%,rgba(4,179,90,.35),transparent 60%),linear-gradient(135deg,var(--navy) 0%,var(--brand-700) 100%);position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;bottom:-60px;width:240px;height:240px;border:40px solid rgba(255,255,255,.05);transform:rotate(45deg);border-radius:30px}
.cta-main h2{color:#fff;font-size:clamp(26px,3vw,38px);margin:14px 0 12px;font-weight:800}
.cta-main p{color:rgba(255,255,255,.8);font-size:17px}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.cta-side{display:flex;flex-direction:column;gap:12px;position:relative;z-index:1}
.cta-tile{display:flex;align-items:center;gap:14px;padding:16px;border-radius:var(--r);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);color:#fff;transition:background .2s}
.cta-tile:hover{background:rgba(255,255,255,.14);color:#fff}
.cta-tile span:not(.decl-ic){flex:1}
.cta-tile b{display:block}
.cta-tile small{color:rgba(255,255,255,.7)}
.cta-tile .decl-ic{background:rgba(255,255,255,.12);color:#fff}

/* page hero (inner pages) */
.phero{position:relative;color:#fff;padding:56px 0 64px;isolation:isolate;overflow:hidden;background:var(--navy)}
.phero::before{content:"";position:absolute;inset:0;z-index:-2;background:var(--phero-img,none) center/cover no-repeat}
.phero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(4,29,78,.97) 0%,rgba(4,29,78,.88) 50%,rgba(3,76,136,.7) 100%),radial-gradient(50% 90% at 90% 0%,rgba(4,179,90,.3),transparent 60%)}
.phero h1{color:#fff;font-size:clamp(30px,4vw,50px);font-weight:800;margin:14px 0 14px;max-width:820px}
.phero-sub{font-size:18px;color:rgba(255,255,255,.8);max-width:720px}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;font-size:13.5px;color:rgba(255,255,255,.6);margin-bottom:22px}
.crumbs a{color:rgba(255,255,255,.8)}
.crumbs a:hover{color:#fff}
.crumbs b{color:#fff;font-weight:600}
.phero-facts{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.phero-fact{padding:12px 18px;border-radius:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15)}
.phero-fact span{display:block;font-size:12px;color:rgba(255,255,255,.65);text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.phero-fact b{font-family:var(--font-d);font-size:20px;color:#fff}

/* loan detail */
.ld{display:grid;grid-template-columns:1fr 380px;gap:48px;align-items:start}
.ld-main>section{margin-bottom:56px}
.ld-main h2{font-size:28px;margin-bottom:16px}
.ld-side{position:sticky;top:calc(var(--nav-h) + 20px);display:flex;flex-direction:column;gap:16px}
.ld-card{padding:24px;border-radius:var(--r-lg);border:1px solid var(--line);background:#fff;box-shadow:var(--sh-1)}
.ld-card h3{font-size:19px;margin-bottom:6px}
.type-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.type-card{padding:18px 20px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.type-card b{display:flex;align-items:center;gap:8px;color:var(--ink);margin-bottom:6px}
.type-card b::before{content:"";width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;border-bottom:9px solid var(--green)}
.type-card p{font-size:14.5px;color:var(--muted)}
.list-check{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}
.list-check li{display:flex;gap:10px;align-items:flex-start}
.list-check .ic{color:var(--green);margin-top:2px}
.list-x .ic{color:#D93B3B}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.box{padding:24px;border-radius:var(--r);border:1px solid var(--line);background:#fff}
.box h3{font-size:18px;margin-bottom:16px;display:flex;align-items:center;gap:10px}
.box-do{background:linear-gradient(180deg,var(--green-50),#fff)}
.box-dont{background:linear-gradient(180deg,#FFF3F3,#fff)}
.ld-photo{border-radius:var(--r-lg);aspect-ratio:16/7;background:var(--navy) center/cover;margin-bottom:40px;box-shadow:var(--sh-1)}
.kv{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px dashed var(--line);font-size:14.5px}
.kv:last-child{border-bottom:0}
.kv b{color:var(--ink);text-align:right}

/* prose (blog, legal) */
.prose{max-width:780px;font-size:17px;line-height:1.75;color:var(--body)}
.prose h2{font-size:28px;margin:44px 0 14px}
.prose h3{font-size:21px;margin:32px 0 10px}
.prose p{margin:0 0 18px}
.prose ul,.prose ol{margin:0 0 20px;padding-left:22px}
.prose li{margin-bottom:8px}
.prose table{width:100%;border-collapse:collapse;margin:10px 0 24px;font-size:15px}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.prose th{background:var(--tint);color:var(--ink)}
.prose blockquote{margin:0 0 20px;padding:16px 20px;border-left:4px solid var(--green);background:var(--green-50);border-radius:0 12px 12px 0}
.prose a{text-decoration:underline;text-underline-offset:3px}
.prose img{border-radius:var(--r);margin:10px 0 20px}
.legal-layout{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start}
.legal-nav{position:sticky;top:calc(var(--nav-h) + 20px);display:flex;flex-direction:column;gap:2px;padding:16px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.legal-nav a{padding:9px 12px;border-radius:10px;color:var(--ink);font-size:14.5px;font-weight:500}
.legal-nav a:hover,.legal-nav a.is-active{background:var(--brand-50);color:var(--brand)}
.notice{padding:16px 18px;border-radius:12px;background:#FFF8E8;border:1px solid #F5DDA5;font-size:14px;color:#6B4E0E;margin-bottom:24px}
.post-hero-img{aspect-ratio:21/9;border-radius:var(--r-lg);background:var(--navy) center/cover;margin:-40px 0 40px;box-shadow:var(--sh-2);position:relative}
.post-layout{display:grid;grid-template-columns:1fr 320px;gap:56px;align-items:start}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.contact-list{display:flex;flex-direction:column;gap:12px}
.contact-item{display:flex;gap:14px;align-items:center;padding:18px;border:1px solid var(--line);border-radius:var(--r);background:#fff;color:var(--body)}
a.contact-item:hover{border-color:var(--brand-100);box-shadow:var(--sh-1);color:var(--body)}
.contact-item b{display:block;color:var(--ink)}
.contact-item span{font-size:14.5px}
.form-card{padding:32px;border-radius:var(--r-xl);background:#fff;box-shadow:var(--sh-2);border:1px solid var(--line-2)}
.form-card h2{font-size:26px}
.track-result{margin-top:20px}
.timeline{list-style:none;padding:0;margin:16px 0 0;display:flex;flex-direction:column;gap:0}
.timeline li{display:flex;gap:14px;padding-bottom:18px;position:relative}
.timeline li::before{content:"";position:absolute;left:13px;top:28px;bottom:0;width:2px;background:var(--line)}
.timeline li:last-child::before{display:none}
.timeline .tl-dot{width:28px;height:28px;border-radius:50%;border:2px solid var(--line);background:#fff;flex-shrink:0;display:grid;place-items:center}
.timeline li.done .tl-dot{background:var(--green);border-color:var(--green);color:#fff}
.timeline li.current .tl-dot{border-color:var(--brand);box-shadow:0 0 0 5px rgba(2,112,196,.15)}
.timeline .tl-dot .ic{width:15px;height:15px}
.timeline b{color:var(--ink)}

/* elig */
.elig-out{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}
.elig-tile{padding:16px;border-radius:14px;background:var(--tint)}
.elig-tile span{font-size:12.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.elig-tile b{display:block;font-family:var(--font-d);font-size:22px;color:var(--ink)}

/* footer */
.footer{background:#020F2B;color:rgba(255,255,255,.66);padding:80px 0 0;font-size:14.5px}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-brand img{height:48px;width:auto;margin-bottom:18px}
.footer-brand p{max-width:340px;line-height:1.7}
.footer-social{display:flex;gap:10px;margin-top:20px}
.footer-social a{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.06);display:grid;place-items:center;color:#fff;transition:background .2s}
.footer-social a:hover{background:var(--brand)}
.footer-col{display:flex;flex-direction:column;gap:10px}
.footer-col h4{color:#fff;font-size:15px;margin-bottom:6px;font-family:var(--font-d)}
.footer-col a{color:rgba(255,255,255,.66)}
.footer-col a:hover{color:#fff}
.footer-muted{color:rgba(255,255,255,.45)}
.footer-company{display:grid;grid-template-columns:2fr 1fr 1.4fr;gap:24px;padding:28px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-company span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.4);font-weight:600;margin-bottom:4px}
.footer-company b{color:rgba(255,255,255,.88);font-weight:500}
.footer-legal{padding:28px 0;display:flex;flex-direction:column;gap:12px;font-size:12.5px;line-height:1.7;color:rgba(255,255,255,.5);border-bottom:1px solid rgba(255,255,255,.08)}
.footer-legal b{color:rgba(255,255,255,.75)}
.footer-legal a{color:#9CCBF2}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:22px 0;font-size:13px;color:rgba(255,255,255,.45)}
.footer-bottom a{color:rgba(255,255,255,.6)}

/* floating + bottom nav */
.wa-float{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 30px rgba(37,211,102,.4);z-index:40;transition:transform .2s}
.wa-float:hover{transform:scale(1.07);color:#fff}
.wa-float .ic{width:28px;height:28px}
.bottom-nav{display:none}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.is-in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1340px){.nav-account{display:none}}
@media (max-width:1180px){
  .nav-links>a[href="/contact"]{display:none}
  .loan-grid{grid-template-columns:repeat(3,1fr)}
  .loan-card.is-wide{grid-column:span 3}
  .loan-card.is-wide+.loan-card.is-wide{grid-column:span 3}
  .partner-grid,.decl-grid{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:1024px){
  .nav-links{display:none}
  .nav-burger{display:grid}
  .nav-row{justify-content:space-between}
  .hero-row,.about,.faq-layout,.disc,.emi,.cta-band,.ld,.contact-grid,.legal-layout,.post-layout{grid-template-columns:1fr}
  .hero-row{gap:36px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.12)}
  .steps{grid-template-columns:1fr;gap:0}
  .steps::before{left:27px;right:auto;top:20px;bottom:20px;width:2px;height:auto;background:repeating-linear-gradient(180deg,var(--brand-100) 0 8px,transparent 8px 14px)}
  .step{display:grid;grid-template-columns:56px 1fr;column-gap:18px;text-align:left;padding-bottom:22px}
  .step-num{grid-row:span 3;margin:0}
  .step-day{justify-self:start}
  .step b{margin:6px 0 2px}
  .ld-side,.legal-nav{position:static}
  .legal-nav{display:none}
  .about-badge{left:16px}
  .footer-top{grid-template-columns:1fr 1fr}
  .footer-company{grid-template-columns:1fr}
  .utility-hours{display:none}
}
@media (max-width:760px){
  :root{--nav-h:64px}
  body{font-size:15.5px;padding-bottom:calc(var(--bn-h) + env(safe-area-inset-bottom))}
  .wrap{padding:0 16px}
  .utility-links{display:none}
  .utility-row{min-height:34px;font-size:12px}
  .nav-logo img{height:38px}
  .nav-cta .btn-ghost,.nav-cta .btn-primary{display:none}
  .section{padding:64px 0}
  .shead{flex-direction:column;align-items:flex-start;margin-bottom:28px}
  .hero{padding-top:40px}
  .hero-sub{font-size:16px}
  .hero-actions .btn{flex:1}
  .hero-form{padding:20px}
  .lf-grid{grid-template-columns:1fr}
  .stats{margin-top:40px}
  .stat{padding:18px}
  .stat b{font-size:26px}
  .lender-strip-label{display:none}
  .loan-grid{grid-template-columns:1fr 1fr;gap:12px}
  .loan-card,.loan-card.is-wide{grid-column:span 1;min-height:220px}
  .loan-card.is-wide{grid-column:span 2;min-height:250px}
  .loan-card.is-wide+.loan-card.is-wide{grid-column:span 2}
  .loan-card-body{padding:14px}
  .loan-card b{font-size:17px}
  .loan-card-meta{font-size:12px}
  .loan-card-ic{width:36px;height:36px;top:12px;left:12px}
  .loan-card:not(.is-wide) .loan-card-tag{display:none}
  .partner-grid,.decl-grid,.post-grid,.type-grid,.two-col,.about-points,.elig-out{grid-template-columns:1fr}
  .partner-grid{grid-template-columns:1fr 1fr;gap:10px}
  .partner-card{flex-direction:column;align-items:flex-start;padding:14px;gap:10px}
  .partner-mono{width:46px;height:46px}
  .emi-inputs,.emi-result{padding:22px}
  .emi-value{font-size:38px}
  .cta-band{padding:28px 22px}
  .about-img{aspect-ratio:4/3}
  .about-media::before{display:none}
  .about-badge{position:relative;left:auto;bottom:auto;margin:-40px 16px 0;max-width:none}
  .disc-example{padding:20px}
  .disc-table{font-size:14px}
  .footer{padding-top:56px}
  .footer-top{grid-template-columns:1fr;gap:28px}
  .wa-float{bottom:calc(var(--bn-h) + 16px + env(safe-area-inset-bottom));right:16px;width:50px;height:50px}
  .form-card{padding:22px}
  .post-hero-img{margin-top:-24px}
  .bottom-nav{display:grid;grid-template-columns:repeat(5,1fr);position:fixed;left:0;right:0;bottom:0;z-index:60;height:calc(var(--bn-h) + env(safe-area-inset-bottom));padding-bottom:env(safe-area-inset-bottom);background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(14,27,51,.08)}
  .bottom-nav a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;font-size:11.5px;font-weight:600;color:var(--muted)}
  .bottom-nav a .ic{width:22px;height:22px}
  .bottom-nav a.is-active{color:var(--brand)}
  .bn-fab{position:relative}
  .bn-fab-ic{width:52px;height:52px;margin-top:-26px;border-radius:50%;background:linear-gradient(135deg,var(--green),var(--brand));color:#fff;display:grid;place-items:center;box-shadow:0 8px 20px rgba(2,112,196,.35);border:4px solid #fff}
  .bn-fab-ic .ic{width:22px;height:22px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}

.lf-wa-note{font-size:12.5px;color:#2C6B49}

/* ==========================================================================
   v3 — lenders, detailed application, trust imagery, map, policies
   ========================================================================== */
.chip{display:inline-flex;align-items:center;gap:6px;padding:8px 14px;border-radius:999px;border:1.5px solid var(--line);background:#fff;font-size:13.5px;font-weight:600;color:var(--ink);cursor:pointer;transition:all .2s}
.chip:hover{border-color:var(--brand);color:var(--brand)}
.chip.is-active{background:var(--navy);border-color:var(--navy);color:#fff}
.chip-sep{width:1px;height:24px;background:var(--line);margin:0 4px}
.lender-filters{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-bottom:28px}
.lender-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.lcard{display:flex;flex-direction:column;gap:16px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-1);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.lcard:hover{transform:translateY(-3px);box-shadow:var(--sh-2)}
.lcard[hidden]{display:none}
.lcard-head{display:flex;gap:14px;align-items:center}
.lcard-head h3{font-size:19px}
.lcard-sub{display:block;font-size:13px;color:var(--muted);margin-top:4px}
.lcard-sub .pill{font-size:10px;padding:2px 8px;margin-right:4px}
.lender-logo,.partner-mono{width:64px;height:64px;border-radius:16px;flex-shrink:0;display:grid;place-items:center;overflow:hidden;background:linear-gradient(135deg,var(--brand),var(--navy));color:#fff}
.lender-logo.is-nbfc,.partner-mono.is-nbfc{background:linear-gradient(135deg,var(--green),#05683A)}
.lender-logo b,.partner-mono b{font-family:var(--font-d);font-weight:800;font-size:12.5px;letter-spacing:.02em}
.lender-logo:has(img),.partner-mono:has(img){background:#fff;border:1px solid var(--line)}
.lender-logo img,.partner-mono img{width:100%;height:100%;object-fit:contain;padding:8px}
.lcard-figs{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.lcard-figs>div{padding:12px 14px;border-radius:14px;background:var(--tint)}
.lcard-figs span{display:block;font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.lcard-figs b{font-family:var(--font-d);font-size:22px;color:var(--ink)}
.lcard-figs small{display:block;font-size:12px;color:var(--muted)}
.lcard-types{display:flex;flex-wrap:wrap;gap:6px}
.lcard-types span{font-size:12px;font-weight:600;padding:4px 10px;border-radius:999px;background:var(--brand-50);color:var(--brand-700)}
.lcard-more summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;font-size:14px;font-weight:600;color:var(--brand)}
.lcard-more summary::-webkit-details-marker{display:none}
.lcard-more[open] summary .ic{transform:rotate(180deg)}
.lcard-more table{width:100%;border-collapse:collapse;font-size:13px;margin:10px 0}
.lcard-more th,.lcard-more td{text-align:left;padding:7px 4px;border-bottom:1px dashed var(--line)}
.lcard-more th{font-size:11px;text-transform:uppercase;color:var(--muted);letter-spacing:.05em}
.lcard .btn{margin-top:auto}
.lcard-any{background:linear-gradient(160deg,var(--navy),var(--brand-700));color:rgba(255,255,255,.8);border:0}
.lcard-any h3{color:#fff}
.lcard-any .decl-ic{background:rgba(255,255,255,.12);color:#fff}
.partner-card{color:var(--body)}
a.partner-card:hover{color:var(--body)}
.partner-go{margin-left:auto;color:var(--brand);opacity:.5;transition:all .2s}
.partner-card:hover .partner-go{opacity:1;transform:translateX(3px)}
.partner-grid .partner-mono{width:54px;height:54px}

.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trust-tile{position:relative;margin:0;min-height:320px;border-radius:var(--r-lg);overflow:hidden;display:flex;align-items:flex-end;isolation:isolate;box-shadow:var(--sh-1)}
.trust-tile::before{content:"";position:absolute;inset:0;z-index:-2;background:var(--img) center/cover,linear-gradient(150deg,var(--brand),var(--navy));transition:transform .7s var(--ease)}
.trust-tile::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(4,29,78,0) 30%,rgba(4,29,78,.92) 100%)}
.trust-tile:hover::before{transform:scale(1.05)}
.trust-tile figcaption{padding:22px;color:rgba(255,255,255,.85);font-size:14px}
.trust-tile b{display:block;font-family:var(--font-d);color:#fff;font-size:18px;margin-bottom:6px}
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}
.trust-strip>div{display:flex;gap:10px;align-items:center;padding:14px 16px;border:1px solid var(--line);border-radius:14px;font-size:13.5px;color:var(--muted)}
.trust-strip .ic{color:var(--green)}
.trust-strip b{color:var(--ink);margin-right:4px}

.cta-band{background:radial-gradient(70% 120% at 100% 0%,rgba(4,179,90,.35),transparent 60%),linear-gradient(135deg,rgba(4,29,78,.96) 0%,rgba(3,76,136,.9) 100%),var(--cta-img,none) center/cover,var(--navy)}
.section-navy{background:linear-gradient(rgba(4,29,78,.95),rgba(4,29,78,.97)),url('/assets/img/backgrounds/hero-business.jpg') center/cover fixed,var(--navy)}

.la-layout{display:grid;grid-template-columns:1fr 340px;gap:32px;align-items:start}
.la-form{padding:30px}
.la-steps{list-style:none;margin:0 0 26px;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:6px;counter-reset:st}
.la-steps li{counter-increment:st;font-size:12.5px;font-weight:600;color:var(--muted);padding-top:10px;border-top:4px solid var(--line);transition:all .3s}
.la-steps li::before{content:counter(st) ". "}
.la-steps li.is-done{border-color:var(--green);color:var(--green-600)}
.la-steps li.is-on{border-color:var(--brand);color:var(--brand)}
.la-step{border:0;margin:0;padding:0;display:none;min-width:0}
.la-step.is-on{display:block;animation:fadeUp .35s var(--ease)}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.la-step legend{font-family:var(--font-d);font-size:20px;font-weight:700;color:var(--ink);margin-bottom:16px;padding:0;display:block;width:100%}
.la-step legend small{font-family:var(--font-b);font-size:13px;font-weight:500;color:var(--muted);margin-left:6px}
.la-wide{grid-column:1/-1}
.la-cond[hidden]{display:none!important}
.la-lender{display:flex;gap:14px;align-items:center;margin-top:20px;padding:14px;border-radius:16px;background:var(--tint)}
.la-lender .lender-logo{width:52px;height:52px}
.la-lender b{display:block;color:var(--ink)}
.la-lender span{font-size:13.5px;color:var(--muted)}
.la-lender a{margin-left:auto;font-weight:600;font-size:14px}
.la-co summary{cursor:pointer;font-weight:600;color:var(--brand)}
.docs{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.doc{position:relative;display:flex;gap:12px;align-items:center;padding:14px;border:1.5px dashed var(--line);border-radius:14px;cursor:pointer;transition:all .2s;background:#fff}
.doc:hover{border-color:var(--brand)}
.doc input[type=file]{position:absolute;inset:0;opacity:0;cursor:pointer}
.doc-ic{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--brand-50);color:var(--brand);flex-shrink:0}
.doc-body{flex:1;min-width:0}
.doc-body b{display:block;font-size:14px;color:var(--ink)}
.doc-body small{display:block;font-size:12px;color:var(--muted)}
.doc-files{display:block;font-style:normal;font-size:12px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.doc.has-file{border-style:solid;border-color:var(--green);background:var(--green-50)}
.doc.has-file .doc-ic{background:var(--green);color:#fff}
.doc.has-file .doc-files{color:var(--green-600);font-weight:600}
.doc.has-error{border-color:#D93B3B;background:#FFF5F5}
.doc.has-error .doc-files{color:#B42323}
.doc .btn{pointer-events:none}
.check.has-error span{color:#B42323}
.la-review{display:grid;gap:8px;margin-bottom:18px;padding:16px;border-radius:14px;background:var(--tint)}
.la-review div{display:grid;grid-template-columns:110px 1fr;gap:10px;font-size:14px}
.la-review span{color:var(--muted)}
.la-review b{color:var(--ink);font-weight:600;word-break:break-word}
.la-step .check{margin-bottom:12px}
.la-nav{display:flex;justify-content:space-between;gap:12px;margin-top:24px}
.la-nav [data-la-next],.la-nav [data-la-submit]{margin-left:auto}
.la-progress{margin-top:16px;height:36px;border-radius:12px;background:var(--tint);position:relative;overflow:hidden}
.la-progress span{position:absolute;inset:0 auto 0 0;width:0;background:linear-gradient(90deg,var(--brand),var(--green));transition:width .2s}
.la-progress em{position:relative;display:block;text-align:center;line-height:36px;font-style:normal;font-weight:600;font-size:13.5px;color:#fff;mix-blend-mode:difference}
.lf-result ul{margin:6px 0 0;padding-left:18px}
.la-done{text-align:center;display:flex;flex-direction:column;align-items:center;gap:12px;padding:20px 0}
.la-done h2{font-size:28px}
.la-done-ic{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff;box-shadow:0 0 0 10px var(--green-50)}
.la-done-ic svg{width:36px;height:36px}
.la-summary{width:100%;text-align:left}
.la-summary summary{cursor:pointer;font-weight:600;color:var(--brand);text-align:center}
.la-summary pre{white-space:pre-wrap;font:13px/1.6 var(--font-b);background:var(--tint);padding:16px;border-radius:12px;margin-top:10px}

.map-wrap{position:relative;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--sh-2);height:460px;background:var(--tint)}
.map-wrap iframe{width:100%;height:100%;border:0;display:block}
.map-card{position:absolute;left:24px;top:24px;width:300px;padding:22px;background:#fff;border-radius:var(--r);box-shadow:var(--sh-2);display:flex;flex-direction:column;gap:8px;font-size:14px}
.map-card b{font-family:var(--font-d);color:var(--ink);font-size:17px}
.map-card .btn{align-self:flex-start}

.policy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.policy-card{display:flex;flex-direction:column;gap:10px;padding:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);color:var(--body);transition:all .25s}
.policy-card:hover{border-color:var(--brand-100);box-shadow:var(--sh-2);transform:translateY(-3px);color:var(--body)}
.policy-card b{font-family:var(--font-d);font-size:18px;color:var(--ink)}
.policy-card p{font-size:14.5px;color:var(--muted);flex:1}

@media (max-width:1180px){.lender-grid{grid-template-columns:repeat(2,1fr)}.trust-grid,.trust-strip{grid-template-columns:repeat(2,1fr)}}
@media (max-width:1024px){.la-layout{grid-template-columns:1fr}.policy-grid{grid-template-columns:1fr 1fr}.section-navy{background-attachment:scroll}}
@media (max-width:760px){
  .lender-grid,.trust-grid,.trust-strip,.docs,.policy-grid{grid-template-columns:1fr}
  .lender-filters{flex-wrap:nowrap;overflow-x:auto;margin:0 -16px 20px;padding:0 16px 6px;scrollbar-width:none}
  .lender-filters .chip{flex-shrink:0}
  .trust-tile{min-height:240px}
  .la-form{padding:20px}
  .la-steps li{font-size:0;padding-top:8px}
  .la-steps li::before{font-size:12px}
  .la-steps li.is-on{font-size:12px}
  .la-review div{grid-template-columns:1fr;gap:2px}
  .map-wrap{height:auto}
  .map-wrap iframe{height:300px}
  .map-card{position:static;width:auto;border-radius:0;box-shadow:none}
  .partner-go{display:none}
}
[hidden]{display:none!important}

/* v6: lender link-mode */
.lcard-how { margin: 8px 0 0; font-size: 12.5px; color: var(--muted, #5B6B85); text-align: center; }
.pill-link { background: #E3F7EC; color: #03783F; }
.la-how { margin: 0; padding-left: 18px; display: grid; gap: 10px; font-size: 14px; }
.la-form .check { display: flex; gap: 10px; align-items: flex-start; margin: 14px 0; font-size: 13.5px; }
.la-form .check input { margin-top: 3px; width: 18px; height: 18px; flex: none; }
.la-go { text-align: center; padding: 18px 0; }
.la-go .spinner { width: 34px; height: 34px; border-radius: 50%; border: 3px solid #d7e6f6; border-top-color: #0270C4; margin: 0 auto 12px; animation: la-spin .8s linear infinite; }
@keyframes la-spin { to { transform: rotate(360deg); } }