/* ============================================================
   BSI Finance — Informational Website
   Foundation: Claude Design template (coral + sand + navy)
   Fonts: Raleway (display) + Lato (body) — corporate style,
   distinct from all existing projects
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Raleway:wght@300;400;500;600;700;800&family=Lato:wght@300;400;700&display=swap');

/* ── Design tokens (BSI brand: navy + red) ───────────────────── */
:root {
  --navy-950:  #071929;
  --navy-900:  #0C2E4A;
  --navy-800:  #143D5F;
  --navy-700:  #1B5175;
  --navy-100:  #D6E4F0;
  --coral-600: #c41d1e;
  --coral-500: #f43334;
  --coral-400: #f76364;
  --coral-50:  #fff0f0;
  --mint-500:  #06B981;
  --mint-50:   #E6F7F0;
  --amber-500: #F59E0B;
  --amber-50:  #FEF3C7;
  --sand-50:   #F5F9FC;
  --sand-100:  #EBF3F8;
  --sand-200:  #D6E5EF;
  --sand-300:  #B8D1E2;
  --ink-900:   #0E1F2E;
  --ink-700:   #2E4A5F;
  --ink-500:   #5A7A8E;
  --ink-400:   #7A9AAE;
  --ink-300:   #A8BEC9;
  --line:      #D8E8F0;
  --line-strong:#C0D5E4;
  /* Tanzania flag */
  --tz-green:  #1EB53A;
  --tz-yellow: #FCD116;
  --tz-blue:   #00A3DD;
  /* Radii */
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  22px;
  --r-xl:  30px;
  --r-pill:999px;
  /* Shadows */
  --sh-sm: 0 1px 2px rgba(12,46,74,.06), 0 1px 1px rgba(12,46,74,.04);
  --sh-md: 0 6px 18px -8px rgba(12,46,74,.18), 0 2px 6px rgba(12,46,74,.05);
  --sh-lg: 0 24px 48px -20px rgba(12,46,74,.25), 0 8px 16px -8px rgba(12,46,74,.08);
  --sh-coral: 0 14px 36px -12px rgba(244,51,52,.40);
}

/* ── Reset ───────────────────────────────────────────────────── */
*,*::before,*::after { box-sizing: border-box; }
html,body { margin:0; padding:0; background:var(--sand-100); color:var(--ink-900); -webkit-font-smoothing:antialiased; }
body { font-family:'Lato',system-ui,sans-serif; overflow-x:hidden; line-height:1.6; }
a { color:inherit; text-decoration:none; }
button { font-family:inherit; cursor:pointer; border:none; background:none; color:inherit; }
input,select,textarea { font-family:inherit; color:inherit; }
img { display:block; max-width:100%; }
ul,ol { list-style:none; margin:0; padding:0; }

/* ── Typography ─────────────────────────────────────────────── */
.display { font-family:'Raleway', sans-serif; font-weight:700; letter-spacing:-0.025em; line-height:1.05; }
.mono    { font-family:'Raleway', sans-serif; font-feature-settings:'tnum' 1,'lnum' 1; letter-spacing:-0.02em; }

h1,h2,h3,h4 { font-family:'Raleway',sans-serif; font-weight:700; line-height:1.08; margin:0; color:var(--ink-900); letter-spacing:-0.02em; }
h1 { font-size: clamp(40px, 6vw, 74px); }
h2 { font-size: clamp(32px, 4.5vw, 54px); }
h3 { font-size: clamp(22px, 3vw, 32px); }
h4 { font-size: 18px; }
p  { color:var(--ink-700); line-height:1.65; margin:0; }

/* ── Layout utilities ───────────────────────────────────────── */
.wrap { max-width:1280px; margin:0 auto; padding:0 24px; }
.wrap-md { max-width:980px; margin:0 auto; padding:0 24px; }
.section { padding:96px 0; }
.section-sm { padding:64px 0; }

/* ── Dot grid textures ──────────────────────────────────────── */
.dot-grid {
  background-image: radial-gradient(rgba(11,31,58,.07) 1px, transparent 1px);
  background-size: 22px 22px;
}
.dot-grid-dark {
  background-image: radial-gradient(rgba(255,255,255,.07) 1px, transparent 1px);
  background-size: 22px 22px;
}

/* ── Glass card ─────────────────────────────────────────────── */
.glass {
  background: linear-gradient(160deg, rgba(255,255,255,.82), rgba(255,255,255,.58));
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  border: 1px solid rgba(255,255,255,.65);
  box-shadow: var(--sh-md);
}

/* ── Buttons ─────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items:center; gap:8px;
  padding: 12px 20px; border-radius: var(--r-pill);
  font-family:'Lato',sans-serif; font-weight:600; font-size:14px;
  transition: transform .15s ease, box-shadow .2s ease, background .15s ease;
  white-space: nowrap; cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary { background:var(--coral-500); color:#fff; box-shadow:var(--sh-coral); }
.btn-primary:hover { background:var(--coral-600); box-shadow: 0 18px 40px -14px rgba(196,29,30,.50); }

.btn-dark { background:var(--navy-900); color:#fff; }
.btn-dark:hover { background:var(--navy-800); }

.btn-ghost { background:transparent; color:var(--navy-900); }
.btn-ghost:hover { background:rgba(11,31,58,.06); }

.btn-outline { background:transparent; color:var(--navy-900); border:1.5px solid var(--line-strong); }
.btn-outline:hover { background:#fff; }

.btn-white { background:#fff; color:var(--coral-600); box-shadow:var(--sh-md); }
.btn-white:hover { background:var(--sand-50); }

/* Chip (small label) */
.chip {
  display:inline-flex; align-items:center; gap:6px;
  padding:6px 12px; border-radius:var(--r-pill);
  background:rgba(255,255,255,.72); border:1px solid var(--line);
  font-size:12px; font-weight:600; color:var(--ink-700);
}
.chip-coral { background:var(--coral-50); border-color:rgba(244,51,52,.2); color:var(--coral-600); }
.chip-mint  { background:var(--mint-50);  border-color:rgba(6,185,129,.2);  color:var(--mint-500); }

/* Eyebrow label */
.eyebrow {
  display:inline-flex; align-items:center; gap:9px;
  font-size:12.5px; font-weight:700; letter-spacing:0.16em;
  text-transform:uppercase; color:var(--coral-500);
}
.eyebrow::before {
  content:''; display:inline-block; width:18px; height:1.5px;
  background:currentColor; flex-shrink:0;
}
.eyebrow.dark { color:var(--ink-500); }
.eyebrow.light { color:rgba(255,255,255,.7); }
.eyebrow.light::before { background:rgba(255,255,255,.7); }

/* ── Card ────────────────────────────────────────────────────── */
.card-why-icon { width:60px; height:60px; border-radius:var(--r-md); background:var(--navy-900); display:flex; align-items:center; justify-content:center; color:var(--coral-400); margin-bottom:22px; transition:background .2s, color .2s; }
.card:hover .card-why-icon { background:var(--coral-500); color:#fff; }

.card {
  background:#fff; border-radius:var(--r-lg); padding:24px;
  border:1px solid var(--line); box-shadow:var(--sh-sm);
  transition: transform .22s ease, box-shadow .22s ease;
}
.card-hover:hover { transform:translateY(-4px); box-shadow:var(--sh-lg); }

/* ── Tanzania flag SVG helper ─────────────────────────────────── */
.tz-flag { display:block; border-radius:3px; overflow:hidden; flex-shrink:0; }

/* ── Photo replacement: diagonal stripe placeholder ──────────── */
.img-placeholder {
  position:relative; overflow:hidden; border-radius:var(--r-lg);
  background:var(--sand-200);
}
.img-placeholder::after {
  content:''; position:absolute; inset:0;
  background: repeating-linear-gradient(
    35deg,
    var(--sand-200) 0, var(--sand-200) 8px,
    var(--sand-300) 8px, var(--sand-300) 16px
  );
}

/* ── Navigation ──────────────────────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: transparent;
  transition: background .2s ease, border-color .2s ease, backdrop-filter .2s ease;
}
.site-header.scrolled {
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(22px) saturate(160%);
  -webkit-backdrop-filter: blur(22px) saturate(160%);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 16px rgba(12,46,74,.07);
}
.nav-inner {
  max-width:1280px; margin:0 auto; padding:16px 32px;
  display:flex; align-items:center; gap:16px;
}
.nav-logo {
  display:inline-flex; align-items:center; gap:10px;
  flex-shrink:0; text-decoration:none;
}
.nav-logo-mark { flex-shrink:0; }
.nav-logo-text { display:flex; flex-direction:column; line-height:1; gap:1px; }
.nav-bsi {
  font-family:'Raleway',sans-serif; font-size:21px; font-weight:800;
  color:var(--ink-900); letter-spacing:-0.03em; line-height:1;
}
.nav-finance {
  font-size:8px; font-weight:700; letter-spacing:0.38em;
  color:var(--ink-400); text-transform:uppercase;
}
.nav-links {
  display:flex; align-items:center; gap:2px;
  flex:1; justify-content:center; margin:0 12px;
}
.nav-links a {
  padding:9px 20px; border-radius:var(--r-pill);
  font-size:15px; font-weight:600; color:var(--ink-700);
  transition: background .15s, color .15s;
  white-space:nowrap;
}
.nav-links a:hover { background:rgba(12,46,74,.06); color:var(--navy-900); }
.nav-links a.active { color:var(--coral-500); font-weight:700; background:rgba(244,51,52,.08); }
.nav-sep { display:none; }
/* ── Loans dropdown ── */
.nav-dropdown { position:relative; display:flex; align-items:center; }
.nav-dropdown-trigger { display:flex; align-items:center; gap:5px; padding:9px 20px; border-radius:var(--r-pill); font-size:15px; font-weight:600; color:var(--ink-700); cursor:pointer; border:none; background:transparent; font-family:'Lato',sans-serif; line-height:1; transition:background .15s, color .15s; }
.nav-dropdown-trigger:hover { background:rgba(12,46,74,.06); color:var(--navy-900); }
.nav-dropdown-trigger.active { color:var(--coral-500); font-weight:700; background:rgba(244,51,52,.08); }
.nav-dropdown-trigger svg { transition:transform .2s; flex-shrink:0; }
.nav-dropdown:hover .nav-dropdown-trigger svg { transform:rotate(180deg); }
.nav-dropdown-menu { position:absolute; top:calc(100% + 10px); left:50%; transform:translateX(-50%) translateY(-6px); background:#fff; border:1px solid var(--line); border-radius:16px; box-shadow:0 20px 60px -12px rgba(12,46,74,.18); padding:6px; min-width:210px; opacity:0; visibility:hidden; transition:opacity .2s, transform .2s, visibility .2s; z-index:200; }
.nav-dropdown:hover .nav-dropdown-menu { opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
.nav-dropdown-menu a { display:flex; align-items:center; gap:10px; padding:10px 12px; border-radius:10px; font-size:14px; font-weight:500; color:var(--ink-700); text-decoration:none; transition:background .15s, color .15s; white-space:nowrap; }
.nav-dropdown-menu a:hover { background:var(--sand-100); color:var(--coral-500); }
.dd-icon { width:30px; height:30px; border-radius:8px; background:rgba(244,51,52,.08); display:flex; align-items:center; justify-content:center; color:var(--coral-500); flex-shrink:0; }
/* Mobile loan group */
.mob-loan-group { padding:4px 0; border-bottom:1px solid var(--line); margin-bottom:4px; }
.mob-loan-label { font-size:11px; font-weight:700; letter-spacing:0.15em; text-transform:uppercase; color:var(--ink-600); padding:8px 0 6px; }
.mob-loan-label.active { color:var(--coral-500); }
.mob-loan-link { display:block; padding:10px 0 10px 12px; font-size:15px; font-weight:500; color:var(--ink-700); text-decoration:none; border-left:2px solid var(--line); margin-bottom:2px; transition:color .15s, border-color .15s; }
.mob-loan-link:hover { color:var(--coral-500); border-color:var(--coral-500); }
.nav-right { display:flex; align-items:center; gap:10px; flex-shrink:0; }
.tz-nav-badge {
  display:flex; align-items:center; gap:7px;
  padding:5px 12px 5px 7px; border-radius:var(--r-pill);
  background:rgba(255,255,255,.7); border:1px solid var(--line);
  font-size:11.5px; font-weight:600; color:var(--ink-700);
}
.lang-toggle {
  display:inline-flex; align-items:center;
  background:rgba(255,255,255,.7); border:1px solid var(--line);
  border-radius:var(--r-pill); padding:3px; gap:2px;
}
.lang-btn {
  padding:5px 12px; border-radius:var(--r-pill);
  font-size:11.5px; font-weight:700; letter-spacing:0.06em;
  transition: background .15s, color .15s;
}
.lang-btn.active { background:var(--navy-900); color:#fff; }

/* Mobile nav */
.nav-hamburger {
  display:none; padding:8px; border-radius:var(--r-md);
  background:#fff; border:1px solid var(--line);
  align-items:center; justify-content:center;
}
.mob-nav-overlay {
  position:fixed; inset:0; z-index:50;
  background:rgba(11,31,58,.45);
  opacity:0; pointer-events:none; transition:opacity .25s ease;
}
.mob-nav-overlay.open { opacity:1; pointer-events:all; }
.mob-nav {
  position:fixed; top:0; right:-340px; bottom:0; width:320px;
  background:var(--sand-50); z-index:60; padding:24px;
  transition:right .3s cubic-bezier(.4,0,.2,1);
  display:flex; flex-direction:column; gap:6px;
  overflow-y:auto;
}
.mob-nav.open { right:0; }
.mob-nav-top {
  display:flex; justify-content:space-between; align-items:center;
  margin-bottom:16px;
}
.mob-nav a {
  display:block; padding:14px 16px; border-radius:var(--r-md);
  font-size:16px; font-weight:500; color:var(--navy-900);
  transition: background .15s;
}
.mob-nav a:hover { background:var(--sand-200); }
.mob-nav a.active { background:var(--navy-900); color:#fff; }
.mob-cta {
  margin-top:auto; padding-top:16px;
  border-top:1px solid var(--line);
}

/* ── Hero section ───────────────────────────────────────────── */
.hero {
  position:relative; padding:56px 0 80px; overflow:hidden;
  background:var(--sand-100);
}
/* Coral glow blobs */
.hero-blob-1 {
  position:absolute; top:-140px; right:-100px;
  width:500px; height:500px; border-radius:50%;
  background: radial-gradient(closest-side, rgba(244,51,52,.12), transparent 70%);
  filter: blur(24px); pointer-events:none;
}
.hero-blob-2 {
  position:absolute; top:100px; left:-140px;
  width:420px; height:420px; border-radius:50%;
  background: radial-gradient(closest-side, rgba(11,31,58,.11), transparent 70%);
  pointer-events:none;
}
.hero-dot {
  position:absolute; inset:0; opacity:.45;
  background-image: radial-gradient(rgba(11,31,58,.07) 1px, transparent 1px);
  background-size:22px 22px;
  mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 78%);
  -webkit-mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 78%);
  pointer-events:none;
}
/* Tanzania flag stripe in hero */
.hero-tz-stripe {
  position:absolute; top:0; right:0; bottom:0;
  width:5px; pointer-events:none;
  background: linear-gradient(to bottom,
    var(--tz-green)  33.3%,
    var(--tz-yellow) 33.3%, var(--tz-yellow) 37%,
    #111  37%, #111  63%,
    var(--tz-yellow) 63%, var(--tz-yellow) 66.7%,
    var(--tz-blue)   66.7%);
  opacity:.55;
}
.hero-grid {
  display:grid; grid-template-columns:1.1fr 1fr; gap:64px;
  align-items:center; position:relative;
}
.hero-eyebrow { margin-bottom:22px; }
.hero-h1 {
  font-size: clamp(44px, 6vw, 78px);
  line-height:1.02; margin:0 0 24px;
  color:var(--navy-900);
}
.hero-h1 em {
  font-style:normal; color:var(--coral-500); position:relative;
  display:inline-block;
}
.hero-h1 em svg {
  position:absolute; left:0; right:0; bottom:-7px;
  width:100%; height:12px; pointer-events:none;
}
.hero-sub {
  font-size:17px; line-height:1.58; color:var(--ink-700);
  max-width:500px; margin-bottom:32px;
}
@media(min-width:1101px){
  .hero-sub { font-size:22px; line-height:1.55; }
}
.hero-actions { display:flex; gap:12px; flex-wrap:wrap; align-items:center; }
.hero-social-proof {
  display:flex; align-items:center; gap:14px; margin-top:32px;
}
.avatar-stack { display:flex; }
.avatar-stack-item {
  width:34px; height:34px; border-radius:50%;
  border:2px solid var(--sand-100); margin-left:-9px; overflow:hidden;
  background:var(--sand-200); display:flex; align-items:center;
  justify-content:center; font-size:13px; font-weight:700;
  color:var(--navy-800); flex-shrink:0;
}
.avatar-stack-item:first-child { margin-left:0; }
.social-proof-text { font-size:13px; color:var(--ink-500); line-height:1.4; }
.social-proof-stars { display:flex; gap:2px; color:var(--amber-500); margin-bottom:3px; }

/* ── Loan Calculator Card ────────────────────────────────────── */
.calc-card {
  border-radius:var(--r-xl); padding:28px; position:relative;
}
.calc-top {
  display:flex; justify-content:space-between; align-items:center;
  margin-bottom:20px;
}
.calc-title-sm {
  font-size:10.5px; letter-spacing:0.18em; text-transform:uppercase;
  color:var(--ink-500); font-weight:700;
}
.calc-headline { font-family:'Raleway',sans-serif; font-size:20px; font-weight:700; color:var(--navy-900); margin-top:3px; }
/* Segment tabs */
.seg-tabs {
  display:flex; gap:5px; padding:4px;
  background:var(--sand-200); border-radius:var(--r-md);
  margin-bottom:20px;
}
.seg-tab {
  flex:1; padding:10px 7px; border-radius:10px;
  font-size:11.5px; font-weight:700; cursor:pointer;
  transition: background .15s, box-shadow .15s, color .15s;
  display:flex; flex-direction:column; gap:4px; align-items:center;
  color:var(--ink-700); background:transparent; border:none;
}
.seg-tab.active {
  background:#fff; color:var(--navy-900);
  box-shadow:var(--sh-sm);
}
.seg-tab svg { transition: color .15s; }
.seg-tab.active svg { color:var(--coral-500); }
/* Slider */
.calc-slider-row {
  display:flex; justify-content:space-between; align-items:baseline;
  margin-bottom:10px;
}
.calc-label { font-size:11.5px; color:var(--ink-500); font-weight:600; text-transform:uppercase; letter-spacing:0.1em; }
.calc-value { font-family:'Raleway',sans-serif; font-size:28px; font-weight:700; color:var(--navy-900); letter-spacing:-0.03em; }
.range-input {
  -webkit-appearance:none; appearance:none; width:100%;
  height:6px; border-radius:999px; outline:none; cursor:pointer;
  background: linear-gradient(to right, var(--coral-500) var(--pct,0%), var(--sand-300) var(--pct,0%));
}
.range-input::-webkit-slider-thumb {
  -webkit-appearance:none; width:22px; height:22px; border-radius:50%;
  background:#fff; border:2.5px solid var(--coral-500);
  box-shadow:0 4px 12px rgba(0,126,166,.38); cursor:pointer;
}
.range-input::-moz-range-thumb {
  width:22px; height:22px; border-radius:50%;
  background:#fff; border:2.5px solid var(--coral-500);
  box-shadow:0 4px 12px rgba(0,126,166,.38); cursor:pointer; border-width:2.5px;
}
.range-hints {
  display:flex; justify-content:space-between; margin-top:5px;
  font-size:10.5px; color:var(--ink-400); font-family:'Raleway',sans-serif;
}
/* Term chips */
.term-chips { display:flex; gap:6px; flex-wrap:wrap; margin-top:10px; }
.term-chip {
  padding:7px 13px; border-radius:999px; font-size:13px; font-weight:600;
  border:1.5px solid var(--line-strong); cursor:pointer;
  background:#fff; color:var(--ink-700);
  transition: background .15s, color .15s;
}
.term-chip.active { background:var(--navy-900); color:#fff; border-color:var(--navy-900); }
/* Result box */
.calc-result {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  border-radius:18px; padding:20px; color:#fff;
  margin:18px 0 14px; position:relative; overflow:hidden;
}
.calc-result-dots {
  position:absolute; inset:0; opacity:.45;
  background-image: radial-gradient(rgba(255,255,255,.07) 1px, transparent 1px);
  background-size:18px 18px;
}
.calc-result-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:16px;
  position:relative; margin-bottom:14px;
}
.calc-result-label { font-size:10.5px; color:rgba(255,255,255,.6); text-transform:uppercase; letter-spacing:0.1em; }
.calc-result-val { font-family:'Raleway',sans-serif; font-size:34px; font-weight:700; margin-top:4px; letter-spacing:-0.03em; }
.calc-result-val.accent { color:var(--coral-400); }
.calc-meta {
  display:flex; gap:16px; padding-top:14px;
  border-top:1px solid rgba(255,255,255,.12);
  font-size:11.5px; color:rgba(255,255,255,.65);
  position:relative;
}

/* ── Segments band ──────────────────────────────────────────── */
.segs-section { background:var(--sand-50); }
.segs-header { display:flex; justify-content:space-between; align-items:flex-end; margin-bottom:48px; flex-wrap:wrap; gap:20px; }
.segs-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.seg-card {
  border-radius:var(--r-lg); overflow:hidden;
  display:flex; flex-direction:column;
}
.seg-card-img {
  width:100%; aspect-ratio:5/3; overflow:hidden;
  position:relative;
}
.seg-card-img img {
  width:100%; height:100%; object-fit:cover; display:block;
  transition: transform .5s ease;
}
.seg-card:hover .seg-card-img img { transform:scale(1.04); }
.seg-card-body { padding:24px; display:flex; flex-direction:column; gap:14px; flex:1; }
.seg-card-top { display:flex; align-items:center; gap:10px; }
.seg-icon-wrap {
  padding:8px; border-radius:10px; background:var(--sand-100);
  color:var(--coral-500); display:flex; align-items:center; justify-content:center;
}
.seg-title { font-family:'Raleway',sans-serif; font-size:22px; font-weight:700; color:var(--navy-900); }
.seg-en { font-size:12px; color:var(--ink-500); margin-left:auto; }
.seg-desc { font-size:14px; color:var(--ink-700); line-height:1.6; margin:0; }
.seg-footer { display:flex; justify-content:space-between; align-items:center; padding-top:12px; border-top:1px solid var(--line); margin-top:auto; }
.seg-rate { font-family:'Raleway',sans-serif; font-size:18px; font-weight:700; color:var(--navy-900); }
.seg-rate span { font-size:12px; color:var(--ink-500); font-weight:400; }
.seg-more { font-size:13px; color:var(--coral-500); font-weight:600; display:inline-flex; gap:5px; align-items:center; }

/* ── How it works ─────────────────────────────────────────────── */
.how-section { background:var(--sand-100); }
.how-grid {
  display:grid; grid-template-columns:repeat(4,1fr);
  gap:24px; position:relative; margin-top:64px;
}
/* Dashed connector line */
.how-grid::before {
  content:''; position:absolute;
  left: calc(12.5% + 38px); right: calc(12.5% + 38px);
  top:38px; height:1px;
  background: repeating-linear-gradient(90deg, var(--line-strong) 0 7px, transparent 7px 14px);
  pointer-events:none;
}
.how-step { text-align:left; position:relative; }
.how-number {
  width:84px; height:84px; border-radius:50%;
  background:#fff; border:2px solid var(--line);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:24px; position:relative; z-index:1;
  transition: border-color .2s, background .2s, transform .2s, box-shadow .2s;
  box-shadow: var(--sh-sm);
}
.how-number span {
  font-family:'Raleway',sans-serif; font-size:30px; font-weight:800;
  color:var(--coral-500); letter-spacing:-0.04em;
}
.how-step:hover .how-number {
  background:var(--coral-500); border-color:var(--coral-500);
  transform:scale(1.07); box-shadow:var(--sh-coral);
}
.how-step:hover .how-number span { color:#fff; }
/* Arrow between steps */
.how-arrow {
  position:absolute; top:29px; right:-18px; z-index:2;
  color:var(--line-strong); pointer-events:none;
}
.how-step-title { font-family:'Raleway',sans-serif; font-size:22px; font-weight:700; color:var(--navy-900); margin-bottom:8px; }
.how-step-desc  { font-size:15px; color:var(--ink-700); line-height:1.65; }

/* ── Stats band ───────────────────────────────────────────────── */
.stats-section {
  background:var(--navy-900); color:#fff;
  position:relative; overflow:hidden;
}
.stats-grid {
  display:grid; grid-template-columns:repeat(4,1fr); gap:32px;
  position:relative;
}
.stat-k {
  font-family:'Raleway',sans-serif; font-size:68px; font-weight:800;
  color:var(--coral-400); line-height:1; letter-spacing:-0.04em;
}
.stat-v { font-size:15px; color:rgba(255,255,255,.7); margin-top:10px; letter-spacing:0.01em; }

/* ── Partners marquee ─────────────────────────────────────────── */
.partners-section {
  background:#fff;
  border-top:1px solid var(--line); border-bottom:1px solid var(--line);
}
.marquee-wrap {
  overflow:hidden;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track {
  display:flex; gap:56px; width:max-content;
  animation: marquee 36s linear infinite;
}
.marquee-item {
  font-family:'Raleway',sans-serif; font-size:18px; font-weight:600;
  color:var(--ink-400); white-space:nowrap; letter-spacing:0.01em;
}
@keyframes marquee {
  from { transform:translateX(0); }
  to   { transform:translateX(-50%); }
}

/* ── Page hero (inner pages) ──────────────────────────────────── */
.page-hero {
  background:var(--sand-50); padding:80px 0;
  position:relative; overflow:hidden;
  border-bottom:1px solid var(--line);
}
.page-hero::before {
  content:''; position:absolute; inset:0;
  background-image: radial-gradient(rgba(11,31,58,.065) 1px, transparent 1px);
  background-size:22px 22px;
  mask-image: radial-gradient(ellipse 80% 100% at 50% 0%, #000 40%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 80% 100% at 50% 0%, #000 40%, transparent 80%);
}
.page-hero-tz {
  position:absolute; top:0; right:0; bottom:0;
  width:5px;
  background: linear-gradient(to bottom,
    var(--tz-green)  33.3%,
    var(--tz-yellow) 33.3%, var(--tz-yellow) 37%,
    #111  37%, #111  63%,
    var(--tz-yellow) 63%, var(--tz-yellow) 66.7%,
    var(--tz-blue)   66.7%);
  opacity:.5;
}
.breadcrumb {
  display:flex; align-items:center; gap:6px;
  font-size:12.5px; color:var(--ink-400); margin-bottom:18px;
}
.breadcrumb a { color:var(--coral-500); font-weight:600; }
.breadcrumb a:hover { text-decoration:underline; }
.breadcrumb-sep { color:var(--ink-300); }
.page-hero h1 { color:var(--navy-900); margin-bottom:14px; }
.page-hero p  { font-size:18px; color:var(--ink-700); max-width:580px; }
.page-hero-tags { display:flex; gap:10px; flex-wrap:wrap; margin-top:24px; }

/* ── About page ───────────────────────────────────────────────── */
.about-grid  { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; }
.about-img-wrap { position:relative; }
.about-img-main { width:100%; height:480px; object-fit:cover; border-radius:var(--r-xl); display:block; }
.about-img-accent {
  position:absolute; bottom:-22px; right:-20px;
  width:52%; height:200px; object-fit:cover;
  border-radius:var(--r-lg); border:3px solid #fff;
  box-shadow:var(--sh-lg);
}
.about-img-badge {
  position:absolute; top:28px; left:-16px;
  background:var(--coral-500); color:#fff;
  padding:16px 20px; border-radius:var(--r-lg);
  box-shadow:0 10px 28px -8px rgba(0,126,166,.5);
  text-align:center; animation:floatY 4s ease-in-out infinite;
}
.about-img-badge .badge-num {
  font-family:'Raleway',sans-serif; font-size:30px; font-weight:800;
  line-height:1; display:block;
}
.about-img-badge .badge-label { font-size:10px; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; opacity:.85; margin-top:3px; }

.mvv-grid  { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:48px; }
.mvv-card  { padding:32px 24px; text-align:center; }
.mvv-icon  {
  width:64px; height:64px; border-radius:50%; background:var(--coral-50);
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 20px; color:var(--coral-500);
  transition: background .2s;
}
.mvv-card:hover .mvv-icon { background:var(--coral-500); color:#fff; }
.mvv-card h3 { font-size:24px; margin-bottom:10px; }

.values-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-top:48px; }
.value-item {
  background:var(--sand-50); border:1px solid var(--line);
  border-left:4px solid var(--coral-500); border-radius:0 var(--r-md) var(--r-md) 0;
  padding:24px 24px 24px 20px; transition: border-left-color .2s;
}
.value-item:hover { border-left-color:var(--navy-900); }
.value-item h4 { font-family:'Raleway',sans-serif; font-size:16px; margin-bottom:7px; }

/* ── Services page ────────────────────────────────────────────── */
.svc-grid { display:flex; flex-direction:column; gap:2px; }
.svc-detail {
  background:#fff; border:1px solid var(--line); border-radius:var(--r-xl);
  overflow:hidden; margin-bottom:28px; transition:box-shadow .25s;
}
.svc-detail:hover { box-shadow:var(--sh-lg); }
.svc-detail-inner { display:grid; grid-template-columns:1fr 1fr; }
.svc-detail.reverse .svc-detail-inner { direction:rtl; }
.svc-detail.reverse .svc-detail-inner > * { direction:ltr; }
.svc-detail-img { width:100%; height:100%; min-height:320px; object-fit:cover; }
.svc-detail-body { padding:48px 44px; }
.svc-detail-body .eyebrow { margin-bottom:14px; }
.svc-detail-body h3 { font-size:clamp(24px,3vw,36px); margin-bottom:12px; }
.svc-detail-body > p { font-size:15px; margin-bottom:22px; }
.svc-feats { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:24px; }
.svc-feat {
  display:flex; align-items:center; gap:9px;
  font-size:13.5px; color:var(--ink-700); font-weight:500;
}
.svc-feat::before {
  content:''; width:7px; height:7px; border-radius:50%;
  background:var(--coral-500); flex-shrink:0;
}

/* Comparison table */
.compare-table { width:100%; border-collapse:collapse; }
.compare-table th,
.compare-table td {
  padding:16px 20px; border-bottom:1px solid var(--line);
  text-align:left; font-size:14px;
}
.compare-table thead tr { background:var(--navy-900); }
.compare-table thead th { color:#fff; font-weight:600; font-size:12px; letter-spacing:0.08em; text-transform:uppercase; }
.compare-table tbody tr:nth-child(even) { background:var(--sand-50); }
.compare-table tbody td:first-child { font-weight:600; color:var(--navy-900); }

/* ── Requirements page ────────────────────────────────────────── */
.req-section { background:var(--sand-100); }
.req-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.req-card { padding:32px; scroll-margin-top:90px; }
.req-card-top {
  display:flex; align-items:center; gap:12px;
  padding-bottom:20px; margin-bottom:20px;
  border-bottom:1px solid var(--line);
}
.req-card-icon {
  padding:12px; border-radius:var(--r-md);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.req-card-title { font-family:'Raleway',sans-serif; font-size:24px; font-weight:700; color:var(--navy-900); }
.req-card-sub   { font-size:12px; color:var(--ink-500); margin-top:2px; }
.req-item {
  display:flex; gap:14px; align-items:flex-start;
  padding:14px 0; border-bottom:1px solid var(--line);
}
.req-item:last-child { border-bottom:none; padding-bottom:0; }
.req-item-num {
  width:28px; height:28px; border-radius:8px;
  display:flex; align-items:center; justify-content:center;
  font-family:'Raleway',sans-serif; font-size:12px; font-weight:700;
  flex-shrink:0;
}
.req-item-text { font-size:14.5px; color:var(--ink-900); line-height:1.55; padding-top:3px; }
.req-item-sw   { font-size:12px; color:var(--ink-500); margin-top:2px; }

/* ── Contact page ─────────────────────────────────────────────── */
.contact-grid { display:grid; grid-template-columns:1.1fr 1fr; gap:28px; }
.contact-map-card { border-radius:var(--r-lg); overflow:hidden; border:1px solid var(--line); box-shadow:var(--sh-sm); }
.map-art {
  height:280px; background:#0B1F3A; position:relative; overflow:hidden;
}
.contact-info-row {
  display:flex; gap:14px; padding:14px 0;
  border-bottom:1px solid var(--line);
}
.contact-info-row:last-child { border-bottom:none; }
.ci-icon-wrap {
  padding:9px; border-radius:10px; background:var(--sand-100);
  color:var(--coral-500); display:flex; align-items:center;
  justify-content:center; flex-shrink:0; height:fit-content;
}
.ci-label { font-size:10.5px; color:var(--ink-500); text-transform:uppercase; letter-spacing:0.1em; font-weight:700; }
.ci-val   { font-size:14px; color:var(--navy-900); margin-top:2px; white-space:pre-line; line-height:1.5; }
.ci-val a { color:var(--coral-500); }
.ci-val a:hover { text-decoration:underline; }
/* Form */
.form-card { padding:32px; }
.form-row  { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.field     { display:flex; flex-direction:column; gap:6px; }
.field label { font-size:11.5px; font-weight:700; color:var(--ink-700); letter-spacing:0.04em; text-transform:uppercase; }
.field input,
.field select,
.field textarea {
  border:1.5px solid var(--line-strong); background:#fff;
  border-radius:var(--r-md); padding:13px 14px;
  font-size:14px; outline:none;
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus,
.field select:focus,
.field textarea:focus { border-color:var(--navy-900); box-shadow:0 0 0 3px rgba(11,31,58,.1); }
.field textarea { resize:vertical; min-height:130px; }

/* ── FAQ section ─────────────────────────────────────────────── */
.faq-item {
  border-bottom:1px solid var(--line);
  padding:20px 0; cursor:pointer;
}
.faq-q {
  display:flex; justify-content:space-between; align-items:center; gap:12px;
  font-family:'Raleway',sans-serif; font-size:16px; font-weight:600; color:var(--navy-900);
}
.faq-q .chevron { transition:transform .2s ease; flex-shrink:0; }
.faq-item.open .faq-q .chevron { transform:rotate(180deg); }
.faq-a { font-size:clamp(15px,1.6vw,18px); color:var(--ink-700); max-height:0; overflow:hidden; transition:max-height .3s ease, padding .25s ease; line-height:1.75; }
.faq-item.open .faq-a { max-height:320px; padding-top:12px; }

/* ── CTA band ─────────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--coral-500), var(--coral-600));
  border-radius:var(--r-xl); padding:72px 56px;
  color:#fff; position:relative; overflow:hidden;
}
.cta-band::before {
  content:''; position:absolute; inset:0; opacity:.3;
  background-image: radial-gradient(rgba(255,255,255,.07) 1px, transparent 1px);
  background-size:20px 20px;
}
.cta-band-deco {
  position:absolute; right:-70px; top:-70px;
  width:320px; height:320px; border-radius:50%;
  background:rgba(255,255,255,.07); pointer-events:none;
}
.cta-band-inner {
  display:grid; grid-template-columns:1.4fr 1fr; gap:48px;
  align-items:center; position:relative;
}
.cta-band-eyebrow { font-size:11px; letter-spacing:0.2em; text-transform:uppercase; opacity:.82; font-weight:700; margin-bottom:14px; }
.cta-band h2 { font-size:clamp(36px,5vw,58px); line-height:1.04; color:#fff; }
.cta-band-actions { display:flex; flex-direction:column; gap:10px; align-items:flex-start; }

/* ── Footer ──────────────────────────────────────────────────── */
.site-footer {
  background:var(--navy-900); color:#fff;
  padding:80px 0 32px; position:relative; overflow:hidden;
}
.footer-top {
  display:grid; grid-template-columns:1.6fr 1fr 1fr 1.2fr;
  gap:48px; margin-bottom:64px;
}
.footer-brand p { margin-top:16px; color:rgba(255,255,255,.65); font-size:14px; line-height:1.65; max-width:300px; }
.footer-tz {
  display:inline-flex; align-items:center; gap:10px;
  margin-top:20px; padding:8px 14px 8px 8px;
  background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.08);
  border-radius:var(--r-md);
}
.footer-tz-text { font-size:11.5px; color:rgba(255,255,255,.55); line-height:1.4; }
.footer-tz-text strong { display:block; color:rgba(255,255,255,.82); font-size:11px; text-transform:uppercase; letter-spacing:0.1em; }
.footer-col-title {
  font-size:10.5px; font-weight:700; letter-spacing:0.18em;
  text-transform:uppercase; color:rgba(255,255,255,.45); margin-bottom:16px;
}
.footer-links { display:flex; flex-direction:column; gap:10px; }
.footer-links a { color:rgba(255,255,255,.75); font-size:14px; transition:color .15s, padding-left .15s; }
.footer-links a:hover { color:#fff; padding-left:4px; }
.footer-contact-item { display:flex; gap:12px; align-items:flex-start; margin-bottom:14px; }
.footer-contact-item:last-child { margin-bottom:0; }
.footer-ci-icon { color:var(--coral-400); flex-shrink:0; margin-top:1px; }
.footer-ci-text { color:rgba(255,255,255,.65); font-size:13.5px; line-height:1.55; }
.footer-ci-text a { color:rgba(255,255,255,.65); transition:color .15s; }
.footer-ci-text a:hover { color:var(--coral-300, #F8998A); }
.footer-divider { border:none; border-top:1px solid rgba(255,255,255,.1); margin-bottom:24px; }
.footer-bottom { display:grid; grid-template-columns:1fr auto 1fr; align-items:center; gap:16px; font-size:12px; color:rgba(255,255,255,.45); }
.footer-bottom > :last-child { text-align:right; }

/* ── SVG float animation ─────────────────────────────────────── */
@keyframes floatY  { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }
@keyframes floatX  { 0%,100%{transform:translateX(0)} 50%{transform:translateX(6px)} }
@keyframes pulse   { 0%,100%{opacity:1} 50%{opacity:.5} }
@keyframes spin    { from{transform:rotate(0deg)} to{transform:rotate(360deg)} }
@keyframes scaleIn { from{opacity:0;transform:scale(.9)} to{opacity:1;transform:scale(1)} }
@keyframes fadeUp  { from{opacity:0;transform:translateY(18px)} to{opacity:1;transform:none} }
@keyframes pageIn  { from{opacity:0;transform:translateY(8px)} to{opacity:1;transform:none} }

/* ── Scroll reveal ───────────────────────────────────────────── */
.reveal { opacity:0; transform:translateY(16px); transition: opacity .7s ease, transform .7s ease; }
.reveal.from-left  { transform:translateX(-20px); }
.reveal.from-right { transform:translateX(20px); }
.reveal.scale      { transform:scale(.94); }
.reveal.visible    { opacity:1; transform:none; }
.d1{transition-delay:.08s} .d2{transition-delay:.16s} .d3{transition-delay:.24s} .d4{transition-delay:.32s} .d5{transition-delay:.40s}

/* ── Hero v2 (split: copy left, full-bleed photo right) ─────── */
.hero-v2 { height:100vh; min-height:640px; display:grid; grid-template-columns:44fr 56fr; overflow:hidden; }
.hero-v2-copy { display:flex; flex-direction:column; justify-content:center; padding:0 40px 0 132px; background:#fff; min-width:0; }
.hero-v2-photo { overflow:hidden; min-width:0; position:relative; }
.hero-v2-photo::before {
  content:''; position:absolute; left:0; top:0; bottom:0; width:55%;
  background:linear-gradient(to right, #ffffff 0%, rgba(255,255,255,.55) 50%, transparent 100%);
  z-index:1; pointer-events:none;
}
.hero-v2-photo img { width:100%; height:100%; object-fit:cover; object-position:78% 42%; display:block; }
@media(max-width:1100px){
  .hero-v2 { height:auto; grid-template-columns:1fr; }
  .hero-v2-photo { height:420px; order:-1; }
  .hero-v2-photo::before { display:none; }
  .hero-v2-copy { padding:36px 32px 48px; text-align:center; align-items:center; }
  .hero-v2-copy .hero-sub { margin-left:auto; margin-right:auto; }
}
@media(max-width:768px){
  .hero-v2-copy { padding:28px 20px 40px; }
  .hero-v2-photo { height:300px; }
}

/* ── Loan rows (alternating horizontal sections) ─────────────── */
.loan-row-grid { display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:center; }
.loan-row-reverse .loan-row-text { order:2; }
.loan-row-reverse .loan-row-photo { order:1; }
.loan-row-eyebrow { display:inline-block; font-size:11px; font-weight:700; letter-spacing:.15em; text-transform:uppercase; color:var(--navy-800); background:var(--sand-100); border:1px solid var(--sand-300); padding:5px 14px; border-radius:var(--r-pill); margin-bottom:22px; }
.loan-row-title { font-family:'Raleway',sans-serif; font-size:clamp(34px,4vw,52px); font-weight:800; color:var(--navy-900); line-height:1.1; margin-bottom:20px; }
.loan-row-desc { font-size:19px; color:var(--ink-700); line-height:1.85; margin-bottom:28px; }
.loan-row-rate { display:inline-flex; align-items:baseline; gap:6px; margin-bottom:32px; background:var(--sand-100); border:1px solid var(--line); border-radius:var(--r-md); padding:14px 20px; }
.loan-row-rate strong { font-family:'Raleway',sans-serif; font-size:42px; font-weight:800; color:var(--navy-900); line-height:1; }
.loan-row-rate span { font-size:14px; color:var(--ink-500); }
.loan-row-link { display:inline-flex; align-items:center; gap:8px; color:var(--coral-500); font-weight:700; font-size:15px; text-decoration:none; font-family:'Raleway',sans-serif; transition:gap .15s; }
.loan-row-link:hover { gap:14px; }
.loan-row-card { border-radius:20px; overflow:hidden; aspect-ratio:4/5; box-shadow:var(--sh-lg); }
.loan-row-card img { width:100%; height:100%; object-fit:cover; display:block; transition:transform .5s ease; }
.loan-row-card:hover img { transform:scale(1.03); }

/* ═══════════════════ EMPLOYEE SHOWCASE ═══════════════════ */
.emp-section { background:#fff; overflow:hidden; position:relative; }
.emp-section::after { content:'EMPLOYEE LOAN'; position:absolute; top:0; bottom:0; right:48px; writing-mode:vertical-rl; transform:scale(-1); display:flex; align-items:center; justify-content:center; font-family:'Raleway',sans-serif; font-size:72px; font-weight:900; letter-spacing:0.14em; color:rgba(12,46,74,.08); pointer-events:none; z-index:0; user-select:none; }
.emp-inner { max-width:1280px; margin:0 auto; padding:100px 48px; display:grid; grid-template-columns:55fr 45fr; gap:80px; align-items:center; }
/* Copy */
.emp-copy { position:relative; z-index:1; }
.emp-label { display:flex; align-items:center; gap:12px; margin-bottom:28px; }
.emp-label-line { width:36px; height:2.5px; background:var(--coral-500); border-radius:2px; flex-shrink:0; }
.emp-label-text { font-size:11px; font-weight:700; letter-spacing:0.22em; text-transform:uppercase; color:var(--coral-500); }
.emp-title { font-family:'Raleway',sans-serif; font-size:clamp(34px,4vw,54px); font-weight:800; color:var(--navy-900); line-height:1.08; margin-bottom:18px; }
.emp-tagline { font-size:18px; font-style:italic; color:var(--ink-600); border-left:3px solid var(--coral-500); padding-left:18px; margin:0 0 22px; line-height:1.65; }
.emp-desc { font-size:19px; color:var(--ink-700); line-height:1.85; margin-bottom:28px; }
.emp-perks { list-style:none; padding:0; margin:0 0 32px; display:flex; flex-direction:column; gap:12px; }
.emp-perk { display:flex; align-items:flex-start; gap:12px; font-size:15px; color:var(--navy-900); font-weight:600; line-height:1.45; }
.emp-perk-icon { width:26px; height:26px; border-radius:50%; background:rgba(244,51,52,.1); display:flex; align-items:center; justify-content:center; flex-shrink:0; color:var(--coral-500); margin-top:1px; }
.emp-metrics { display:flex; margin-bottom:36px; background:var(--sand-100); border:1px solid var(--line); border-radius:var(--r-md); overflow:hidden; }
.emp-metric { padding:16px 20px; flex:1; }
.emp-metric + .emp-metric { border-left:1px solid var(--line); }
.emp-metric strong { display:block; font-family:'Raleway',sans-serif; font-size:26px; font-weight:800; color:var(--navy-900); line-height:1; margin-bottom:5px; }
.emp-metric span { font-size:11px; color:var(--ink-600); text-transform:uppercase; letter-spacing:0.1em; font-weight:700; }
.emp-cta { display:inline-flex; align-items:center; gap:10px; background:var(--coral-500); color:#fff; padding:15px 34px; font-size:15px; font-weight:700; font-family:'Raleway',sans-serif; border-radius:var(--r-pill); text-decoration:none; transition:background .2s, box-shadow .2s, gap .15s; box-shadow:var(--sh-coral); }
.emp-cta:hover { background:var(--coral-600); box-shadow:0 18px 48px -12px rgba(244,51,52,.5); gap:16px; }
/* Visual / Carousel */
.emp-visual { position:relative; z-index:1; }
.emp-visual::before { content:''; position:absolute; bottom:-24px; left:-24px; width:140px; height:140px; background-image:radial-gradient(circle, rgba(12,46,74,.14) 1.5px, transparent 1.5px); background-size:16px 16px; border-radius:12px; z-index:0; pointer-events:none; }
.emp-carousel { border-radius:28px; overflow:hidden; aspect-ratio:3/4; box-shadow:0 40px 100px -24px rgba(12,46,74,.24), 0 0 0 1px rgba(12,46,74,.06); position:relative; }
.emp-slide { position:absolute; inset:0; opacity:0; transition:opacity .8s cubic-bezier(.4,0,.2,1); }
.emp-slide.active { opacity:1; z-index:1; }
.emp-slide img { width:100%; height:100%; object-fit:cover; object-position:center 20%; display:block; }
.emp-controls { display:flex; align-items:center; justify-content:space-between; margin-top:18px; padding:0 4px; }
.emp-dots { display:flex; gap:6px; }
.emp-dot { width:8px; height:8px; border-radius:var(--r-pill); background:var(--sand-300); border:none; cursor:pointer; transition:background .25s, width .25s; padding:0; }
.emp-dot.active { width:28px; background:var(--coral-500); }
.emp-counter { font-size:13px; font-weight:700; color:var(--ink-600); letter-spacing:0.04em; font-family:'Raleway',sans-serif; }
/* Responsive */
@media(max-width:1000px){ .emp-inner { gap:48px; padding:72px 32px; } }
@media(max-width:820px){ .emp-inner { grid-template-columns:1fr; padding:60px 20px; } .emp-carousel { aspect-ratio:4/3; } .emp-section::after { display:none; } }

/* ═══════════════════ BUSINESS SHOWCASE ═══════════════════ */
.biz-section { background:var(--sand-100); overflow:hidden; position:relative; }
.biz-section::after { content:'BUSINESS LOAN'; position:absolute; top:0; bottom:0; left:48px; writing-mode:vertical-rl; display:flex; align-items:center; justify-content:center; font-family:'Raleway',sans-serif; font-size:72px; font-weight:900; letter-spacing:0.14em; color:rgba(12,46,74,.08); pointer-events:none; z-index:0; user-select:none; }
.biz-inner { max-width:1280px; margin:0 auto; padding:100px 48px; display:grid; grid-template-columns:45fr 55fr; gap:80px; align-items:center; position:relative; z-index:1; }
.biz-visual { position:relative; z-index:1; }
.biz-visual::before { content:''; position:absolute; bottom:-24px; right:-24px; width:140px; height:140px; background-image:radial-gradient(circle, rgba(12,46,74,.14) 1.5px, transparent 1.5px); background-size:16px 16px; border-radius:12px; z-index:0; pointer-events:none; }
.biz-carousel { border-radius:28px; overflow:hidden; aspect-ratio:3/4; box-shadow:0 40px 100px -24px rgba(12,46,74,.24), 0 0 0 1px rgba(12,46,74,.06); position:relative; }
.biz-slide { position:absolute; inset:0; opacity:0; transition:opacity .8s cubic-bezier(.4,0,.2,1); }
.biz-slide.active { opacity:1; z-index:1; }
.biz-slide img { width:100%; height:100%; object-fit:cover; object-position:center 20%; display:block; }
.biz-controls { display:flex; align-items:center; justify-content:space-between; margin-top:18px; padding:0 4px; }
.biz-dots { display:flex; gap:6px; }
.biz-dot { width:8px; height:8px; border-radius:var(--r-pill); background:var(--sand-300); border:none; cursor:pointer; transition:background .25s, width .25s; padding:0; }
.biz-dot.active { width:28px; background:var(--coral-500); }
.biz-counter { font-size:13px; font-weight:700; color:var(--ink-600); letter-spacing:0.04em; font-family:'Raleway',sans-serif; }
@media(max-width:1000px){ .biz-inner { gap:48px; padding:72px 32px; } }
@media(max-width:820px){ .biz-inner { grid-template-columns:1fr; padding:60px 20px; } .biz-carousel { aspect-ratio:4/3; } .biz-section::after { display:none; } .biz-visual { order:1; } .biz-inner .emp-copy { order:2; } }

/* ═══════════════════ CHURCH SHOWCASE ═══════════════════ */
.church-section { background:var(--sand-100); overflow:hidden; position:relative; }
.church-section::after { content:'CHURCH LOAN'; position:absolute; top:0; bottom:0; right:48px; writing-mode:vertical-rl; transform:scale(-1); display:flex; align-items:center; justify-content:center; font-family:'Raleway',sans-serif; font-size:72px; font-weight:900; letter-spacing:0.14em; color:rgba(12,46,74,.08); pointer-events:none; z-index:0; user-select:none; }
.church-inner { max-width:1280px; margin:0 auto; padding:100px 48px; display:grid; grid-template-columns:55fr 45fr; gap:80px; align-items:center; position:relative; z-index:1; }
.church-visual { position:relative; z-index:1; }
.church-visual::before { content:''; position:absolute; bottom:-24px; left:-24px; width:140px; height:140px; background-image:radial-gradient(circle, rgba(12,46,74,.14) 1.5px, transparent 1.5px); background-size:16px 16px; border-radius:12px; z-index:0; pointer-events:none; }
.church-carousel { border-radius:28px; overflow:hidden; aspect-ratio:3/4; box-shadow:0 40px 100px -24px rgba(12,46,74,.24), 0 0 0 1px rgba(12,46,74,.06); position:relative; }
.church-slide { position:absolute; inset:0; opacity:0; transition:opacity .8s cubic-bezier(.4,0,.2,1); }
.church-slide.active { opacity:1; z-index:1; }
.church-slide img { width:100%; height:100%; object-fit:cover; object-position:center center; display:block; }
.church-controls { display:flex; align-items:center; justify-content:space-between; margin-top:18px; padding:0 4px; }
.church-dots { display:flex; gap:6px; }
.church-dot { width:8px; height:8px; border-radius:var(--r-pill); background:var(--sand-300); border:none; cursor:pointer; transition:background .25s, width .25s; padding:0; }
.church-dot.active { width:28px; background:var(--coral-500); }
.church-counter { font-size:13px; font-weight:700; color:var(--ink-600); letter-spacing:0.04em; font-family:'Raleway',sans-serif; }
@media(max-width:1000px){ .church-inner { gap:48px; padding:72px 32px; } }
@media(max-width:820px){ .church-inner { grid-template-columns:1fr; padding:60px 20px; } .church-carousel { aspect-ratio:4/3; } .church-section::after { display:none; } }

/* Benefits band */
.loan-benefits-grid { display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:center; }
.loan-benefit-item { display:flex; gap:16px; align-items:flex-start; }
.loan-benefit-icon { width:52px; height:52px; border-radius:14px; background:rgba(244,51,52,.15); color:var(--coral-400); display:flex; align-items:center; justify-content:center; flex-shrink:0; margin-top:2px; }
.loan-benefit-title { font-family:'Raleway',sans-serif; font-size:19px; font-weight:700; color:#fff; margin-bottom:7px; }
.loan-benefit-desc { font-size:15px; color:rgba(255,255,255,.68); line-height:1.7; }
.loan-benefits-items { display:flex; flex-direction:column; gap:32px; }
.loan-benefits-photo { border-radius:24px; overflow:hidden; aspect-ratio:4/5; }
.loan-benefits-photo img { width:100%; height:100%; object-fit:cover; display:block; }
@media(max-width:960px){
  .loan-row-grid,.loan-benefits-grid { grid-template-columns:1fr; gap:40px; }
  .loan-row-reverse .loan-row-text { order:0; }
  .loan-row-reverse .loan-row-photo { order:0; }
  .loan-row-card,.loan-benefits-photo { aspect-ratio:16/9; border-radius:16px; }
}

/* ── Real logo image ─────────────────────────────────────────── */
.nav-logo-img {
  height: 50px; width: auto;
  display: block; object-fit: contain; flex-shrink: 0;
}

/* ── Team section ────────────────────────────────────────────── */
.team-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.team-card {
  background:#fff; border-radius:var(--r-xl); border:1px solid var(--line);
  overflow:hidden; display:flex; flex-direction:column;
  transition:transform .22s ease, box-shadow .22s ease;
}
.team-card:hover { transform:translateY(-6px); box-shadow:var(--sh-lg); }
.team-card-photo { width:100%; aspect-ratio:1/1; overflow:hidden; background:var(--sand-200); }
.team-card-photo img {
  width:100%; height:100%; object-fit:cover; object-position:center top;
  display:block; transition:transform .5s ease;
}
.team-card:hover .team-card-photo img { transform:scale(1.04); }
.team-card-body { padding:28px; flex:1; display:flex; flex-direction:column; }
.team-card-name { font-family:'Raleway',sans-serif; font-size:20px; font-weight:700; color:var(--navy-900); margin-bottom:4px; }
.team-card-role { font-size:11px; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; color:var(--coral-500); margin-bottom:14px; }
.team-card-bio  { font-size:14px; color:var(--ink-700); line-height:1.65; margin:0; }

/* ── Key Achievements ────────────────────────────────────────── */
.achiev-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:24px; }
.achiev-card {
  background:#fff; border-radius:var(--r-lg); border:1px solid var(--line);
  padding:32px; display:flex; flex-direction:column; gap:14px;
  transition:transform .22s ease, box-shadow .22s ease;
}
.achiev-card:hover { transform:translateY(-4px); box-shadow:var(--sh-lg); }
.achiev-icon { width:52px; height:52px; border-radius:14px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.achiev-title { font-family:'Raleway',sans-serif; font-size:20px; font-weight:700; color:var(--navy-900); line-height:1.2; }
.achiev-desc  { font-size:14px; color:var(--ink-700); line-height:1.65; }

/* ── Wave-underline accent word ─────────────────────────────── */
.wave-word {
  position:relative; display:inline-block; padding-bottom:2px;
}
.wave-word::after {
  content:''; position:absolute; left:0; bottom:-4px;
  width:100%; height:8px; pointer-events:none;
  background:url("data:image/svg+xml,%3Csvg viewBox='0 0 100 8' preserveAspectRatio='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 6 Q 26 1 50 4 T 99 3' stroke='%23f43334' stroke-width='2.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat;
  background-size:100% 100%;
}

/* ── Full-bleed community banner ────────────────────────────── */
.fullband { position:relative; height:520px; overflow:hidden; }
.fullband-img { position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:38% center; display:block; }
.fullband-overlay { position:absolute; inset:0; background:linear-gradient(135deg, rgba(7,25,41,.82) 0%, rgba(12,46,74,.62) 50%, rgba(12,46,74,.44) 100%); }
.fullband-content { position:relative; z-index:2; height:100%; display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center; padding:0 24px; }
.fullband-eyebrow { font-size:11px; font-weight:700; letter-spacing:0.22em; text-transform:uppercase; color:var(--coral-400); margin-bottom:20px; }
.fullband-headline { font-family:'Raleway',sans-serif; font-weight:800; font-size:clamp(26px,3.8vw,50px); color:#fff; line-height:1.15; margin-bottom:38px; max-width:800px; }
.fullband-btn { display:inline-flex; align-items:center; gap:9px; background:#fff; color:var(--navy-900); padding:15px 36px; font-size:15px; font-weight:700; font-family:'Raleway',sans-serif; border-radius:var(--r-pill); text-decoration:none; transition:background .2s, color .2s, box-shadow .2s; }
.fullband-btn:hover { background:var(--coral-500); color:#fff; box-shadow:var(--sh-coral); }
@media(max-width:640px){ .fullband { height:380px; } }

/* ── Section overview (3-col post-hero intro) ───────────────── */
.sov-section { background:#fff; border-bottom:1px solid var(--line); }
.sov-header { text-align:center; max-width:780px; margin:0 auto 72px; }
.sov-headline { font-size:clamp(30px,3.8vw,50px); color:var(--navy-900); margin-bottom:22px; line-height:1.12; }
.sov-sub { font-size:17px; color:var(--ink-600,var(--ink-700)); line-height:1.85; max-width:700px; margin:0 auto; }
.sov-grid { display:flex; flex-wrap:wrap; justify-content:center; gap:12px; }
.sov-grid > .sov-card { flex:1 1 calc(33.333% - 8px); max-width:calc(33.333% - 8px); min-width:250px; }
.sov-card { text-align:center; padding:44px 32px 36px; border-radius:var(--r-lg); border:1px solid transparent; transition:background .2s, border-color .2s, box-shadow .2s; }
.sov-card:hover { background:var(--sand-50); border-color:var(--line); box-shadow:var(--sh-md); }
.sov-icon { width:92px; height:92px; margin:0 auto 30px; }
.sov-icon svg { width:100%; height:100%; }
.sov-title { font-family:'Raleway',sans-serif; font-size:21px; font-weight:700; color:var(--navy-900); margin-bottom:14px; line-height:1.25; }
.sov-desc { font-size:15.5px; color:var(--ink-700); line-height:1.78; margin-bottom:24px; }
.sov-link { display:inline-flex; align-items:center; gap:7px; color:var(--coral-500); font-weight:700; font-size:14px; font-family:'Raleway',sans-serif; text-decoration:none; transition:gap .15s; }
.sov-link:hover { gap:12px; }

/* ── Footer trust strip ─────────────────────────────────────── */
.footer-trust { border-bottom:1px solid rgba(255,255,255,.12); padding-bottom:32px; margin-bottom:52px; }
.footer-trust-label { font-size:11px; font-weight:700; letter-spacing:0.2em; text-transform:uppercase; color:rgba(255,255,255,.58); margin-bottom:16px; }
.footer-trust-wrap { overflow:hidden; mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent); -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent); }
.footer-trust-track { display:flex; gap:40px; width:max-content; animation:marquee 40s linear infinite; align-items:center; }
.footer-trust-item { font-family:'Raleway',sans-serif; font-size:14px; font-weight:700; color:rgba(255,255,255,.72); white-space:nowrap; letter-spacing:0.03em; }
.footer-trust-dot { color:rgba(255,255,255,.35); font-size:12px; }
.footer-built { text-align:center; color:rgba(255,255,255,.55); font-weight:600; }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width:1100px){
  .hero-grid      { grid-template-columns:1fr; gap:48px; }
  .segs-grid      { grid-template-columns:1fr; max-width:500px; margin:0 auto; }
  .how-grid       { grid-template-columns:1fr 1fr; gap:32px; }
  .how-grid::before{ display:none; }
  .how-arrow      { display:none; }
  .stats-grid     { grid-template-columns:1fr 1fr; gap:32px; }
  .footer-top     { grid-template-columns:1fr 1fr; gap:32px; }
  .svc-detail-inner{ grid-template-columns:1fr; }
  .svc-detail.reverse .svc-detail-inner{ direction:ltr; }
  .req-grid       { grid-template-columns:1fr; }
  .about-grid     { grid-template-columns:1fr; }
  .about-img-wrap { display:none; }
  .mvv-grid       { grid-template-columns:1fr 1fr; }
  .contact-grid   { grid-template-columns:1fr; }
  .cta-band-inner { grid-template-columns:1fr; }
  .team-grid      { grid-template-columns:1fr 1fr; }
  .sov-grid       { max-width:420px; margin:0 auto; }
  .sov-grid > .sov-card { max-width:100%; }
}
@media (max-width:640px){
  .team-grid      { grid-template-columns:1fr; max-width:420px; margin:0 auto; }
  .achiev-grid    { grid-template-columns:1fr; }
}
@media (max-width:768px){
  .section  { padding:64px 0; }
  .nav-links,.nav-right .lang-toggle{ display:none; }
  .nav-hamburger  { display:inline-flex; margin-left:auto; }
  .nav-right .btn-primary { display:none; }
  .how-grid       { grid-template-columns:1fr; }
  .stats-grid     { grid-template-columns:1fr 1fr; }
  .mvv-grid       { grid-template-columns:1fr; }
  .values-grid    { grid-template-columns:1fr; }
  .footer-top     { grid-template-columns:1fr; }
  .footer-bottom  { grid-template-columns:1fr; gap:8px; text-align:center; }
  .footer-bottom > :last-child { text-align:center; }
  .cta-band       { padding:48px 28px; }
  .form-row       { grid-template-columns:1fr; }
  .svc-feats      { grid-template-columns:1fr; }
}
@media (max-width:480px){
  .segs-grid      { max-width:100%; }
  .hero-actions   { flex-direction:column; align-items:stretch; }
  .hero-actions .btn { justify-content:center; }
}

/* ═══════════════════ LOAN DETAIL PAGES (sl- = salary loan) ═══════════════════ */
/* Hero — contained banner (NOT full-viewport height) */
/* min-height, not height: a hero with an extra element (status pill, longer
   sub) grows instead of clipping its own call-to-action. */
.sl-hero { position:relative; min-height:480px; overflow:hidden; }
.sl-hero-bg { position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center center; display:block; }
.sl-hero-overlay { position:absolute; inset:0; background:rgba(7,25,41,.62); }
.sl-hero-content { position:relative; z-index:1; min-height:480px; display:flex; flex-direction:column; justify-content:center; align-items:center; text-align:center; padding:28px 60px; }
.sl-hero-eyebrow { font-size:11px; letter-spacing:0.26em; text-transform:uppercase; color:var(--coral-400); font-weight:700; margin-bottom:20px; }
.sl-hero-tagline { font-family:'Raleway',sans-serif; font-size:clamp(26px,3.4vw,52px); font-weight:800; color:#fff; line-height:1.06; margin-bottom:20px; max-width:720px; }
.sl-hero-sub { font-size:16px; color:rgba(255,255,255,.78); line-height:1.78; margin-bottom:36px; max-width:520px; }
.sl-hero-btn { display:inline-flex; align-items:center; gap:10px; background:#fff; color:var(--navy-900); padding:15px 30px; border-radius:var(--r-pill); font-size:14px; font-weight:700; text-decoration:none; font-family:'Lato',sans-serif; transition:background .2s,color .2s; box-shadow:0 8px 24px -8px rgba(0,0,0,.32); }
.sl-hero-btn:hover { background:var(--coral-500); color:#fff; }
/* Intro */
.sl-intro { padding:72px 24px 60px; text-align:center; background:#fff; }
.sl-intro-eyebrow { font-size:12px; font-weight:700; letter-spacing:0.22em; text-transform:uppercase; color:var(--coral-500); margin-bottom:16px; }
.sl-intro-h1 { font-family:'Raleway',sans-serif; font-size:clamp(30px,4.5vw,54px); font-weight:800; color:var(--navy-900); line-height:1.1; margin-bottom:28px; }
.sl-intro-body { font-size:18px; color:var(--ink-700); line-height:1.9; max-width:680px; margin:0 auto 20px; }
/* Metrics band */
.sl-metrics { background:var(--sand-100); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.sl-metrics-grid { display:flex; justify-content:center; flex-wrap:wrap; max-width:1000px; margin:0 auto; }
.sl-metric { padding:36px 44px; text-align:center; border-right:1px solid var(--line); flex:1; min-width:160px; }
.sl-metric:last-child { border-right:none; }
.sl-metric-val { font-family:'Raleway',sans-serif; font-size:40px; font-weight:800; color:var(--navy-900); line-height:1; }
.sl-metric-val em { font-style:normal; font-size:20px; color:var(--coral-500); }
.sl-metric-label { font-size:12px; color:var(--ink-600); text-transform:uppercase; letter-spacing:0.12em; font-weight:700; margin-top:10px; }
/* Benefits */
.sl-benefits { padding:96px 24px; text-align:center; background:#fff; }
.sl-benefits-photo { max-width:780px; margin:0 auto 52px; border-radius:22px; overflow:hidden; box-shadow:0 40px 100px -24px rgba(12,46,74,.22),0 8px 20px -8px rgba(12,46,74,.08); }
.sl-benefits-photo img { width:100%; display:block; }
.sl-benefits-h2 { font-family:'Raleway',sans-serif; font-size:clamp(24px,3.2vw,40px); font-weight:800; color:var(--navy-900); margin-bottom:44px; }
.sl-benefits-list { list-style:none; padding:0; margin:0 auto 52px; max-width:720px; display:grid; grid-template-columns:1fr 1fr; gap:16px 32px; text-align:left; }
.sl-benefits-list li { display:flex; align-items:flex-start; gap:12px; font-size:16px; color:var(--ink-700); line-height:1.55; }
.sl-benefits-dot { width:9px; height:9px; border-radius:50%; background:var(--coral-500); flex-shrink:0; margin-top:6px; }
/* Use cases */
.sl-uses { padding:88px 24px; background:var(--sand-100); }
.sl-uses-h2 { font-family:'Raleway',sans-serif; font-size:clamp(22px,3vw,38px); font-weight:800; color:var(--navy-900); text-align:center; margin-bottom:54px; }
.sl-uses-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; max-width:1040px; margin:0 auto; }
.sl-use-card { background:#fff; border:1px solid var(--line); border-radius:20px; padding:32px 24px; text-align:center; transition:box-shadow .2s,border-color .2s,transform .2s; }
.sl-use-card:hover { box-shadow:var(--sh-md); border-color:var(--coral-400); transform:translateY(-3px); }
.sl-use-icon { width:56px; height:56px; border-radius:16px; background:rgba(244,51,52,.08); display:flex; align-items:center; justify-content:center; color:var(--coral-500); margin:0 auto 18px; }
.sl-use-title { font-family:'Raleway',sans-serif; font-size:17px; font-weight:700; color:var(--navy-900); margin-bottom:8px; }
.sl-use-desc { font-size:14px; color:var(--ink-600); line-height:1.65; }
/* Eligibility */
.sl-eligibility { padding:88px 24px; background:#fff; }
.sl-elig-inner { max-width:720px; margin:0 auto; }
.sl-elig-header { text-align:center; margin-bottom:48px; }
.sl-elig-icon { width:72px; height:72px; margin:0 auto 20px; color:var(--navy-900); }
.sl-elig-h2 { font-family:'Raleway',sans-serif; font-size:clamp(22px,3vw,38px); font-weight:800; color:var(--navy-900); }
.sl-elig-list { list-style:none; padding:0; display:flex; flex-direction:column; gap:14px; }
.sl-elig-list li { display:flex; align-items:flex-start; gap:14px; font-size:16.5px; color:var(--ink-700); line-height:1.55; background:var(--sand-100); border:1px solid var(--line); border-radius:12px; padding:16px 18px; }
.sl-elig-check { width:26px; height:26px; border-radius:50%; background:rgba(244,51,52,.1); display:flex; align-items:center; justify-content:center; flex-shrink:0; color:var(--coral-500); margin-top:1px; }
/* Eligibility — dark background variant */
.sl-elig-dark { position:relative; overflow:hidden; }
.sl-elig-dark .sl-elig-bg { position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center center; display:block; }
.sl-elig-dark .sl-elig-overlay { position:absolute; inset:0; background:rgba(7,25,41,.84); }
.sl-elig-dark .sl-elig-inner { position:relative; z-index:1; }
.sl-elig-dark .sl-elig-h2 { color:#fff; }
.sl-elig-dark .sl-elig-list li { background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.15); color:rgba(255,255,255,.88); }
.sl-elig-dark .sl-elig-check { background:rgba(244,51,52,.28); color:var(--coral-400); }
/* Documents */
.sl-docs { padding:80px 24px; background:var(--sand-100); }
.sl-docs-h2 { font-family:'Raleway',sans-serif; font-size:clamp(20px,2.8vw,34px); font-weight:800; color:var(--navy-900); text-align:center; margin-bottom:44px; }
.sl-docs-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; max-width:720px; margin:0 auto; }
.sl-doc-item { display:flex; align-items:center; gap:12px; background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px 18px; font-size:15px; color:var(--navy-900); font-weight:600; }
.sl-doc-icon { width:38px; height:38px; border-radius:10px; background:rgba(244,51,52,.08); display:flex; align-items:center; justify-content:center; color:var(--coral-500); flex-shrink:0; }
/* Responsive */
@media(max-width:768px){
  .sl-hero           { min-height:380px; }
  .sl-hero-content   { min-height:380px; padding:26px 40px; max-width:100%; }
  .sl-benefits-list  { grid-template-columns:1fr; max-width:480px; }
  .sl-metrics-grid   { flex-direction:column; }
  .sl-metric         { border-right:none; border-bottom:1px solid var(--line); }
  .sl-metric:last-child { border-bottom:none; }
  .sl-uses-grid      { grid-template-columns:1fr 1fr; }
  .sl-docs-grid      { grid-template-columns:1fr; }
}
@media(max-width:520px){ .sl-hero { min-height:320px; } .sl-hero-content { min-height:320px; padding:22px 24px; } .sl-uses-grid { grid-template-columns:1fr; } }

/* ═══════════════════ BUSINESS LOAN PAGE (biz-) ═══════════════════ */

/* Utility */
.hidden { display:none !important; }

/* Feature cards */
.biz-cards-section { background:#fff; padding:64px 24px; }
.biz-cards-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; max-width:1040px; margin:0 auto; }
.biz-card { background:var(--navy-900); border-radius:24px; padding:52px 36px; display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center; color:#fff; font-family:'Raleway',sans-serif; font-size:clamp(22px,2.8vw,36px); font-weight:700; line-height:1.35; transition:background .2s,transform .2s; min-height:180px; }
.biz-card:hover { background:#163d61; transform:translateY(-4px); }

/* Why work with BSI */
.biz-why { padding:64px 24px; background:#fff; }
.biz-why-inner { max-width:1040px; margin:0 auto; background:var(--sand-100); border-radius:24px; padding:56px 52px; }
.biz-why-h2 { font-family:'Raleway',sans-serif; font-size:clamp(28px,3.6vw,48px); font-weight:800; color:var(--navy-900); text-align:left; margin-bottom:40px; }
.biz-why-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:32px; }
.biz-why-col { background:transparent; border:none; border-left:3px solid; padding:4px 0 4px 22px; }
.biz-why-col--coral { border-left-color:var(--coral-500); }
.biz-why-col--amber { border-left-color:#e8a020; }
.biz-why-col--navy  { border-left-color:var(--navy-900); }
.biz-why-title { font-family:'Raleway',sans-serif; font-size:clamp(18px,1.8vw,22px); font-weight:800; color:var(--navy-900); margin-bottom:14px; line-height:1.35; }
.biz-why-desc { font-size:clamp(16px,1.6vw,20px); color:var(--ink-700); line-height:1.75; }

/* Mid-page CTA strip */
.biz-cta-wrap { background:#fff; padding:0 24px 72px; }
.biz-cta-strip { max-width:1040px; margin:0 auto; background:var(--navy-900); border-radius:20px; padding:40px 52px; display:flex; align-items:center; justify-content:space-between; gap:32px; }
.biz-cta-strip-text { font-family:'Raleway',sans-serif; font-size:clamp(18px,2.4vw,26px); font-weight:800; color:#fff; }
.biz-cta-strip-btn { display:inline-flex; align-items:center; gap:10px; background:var(--coral-500); color:#fff; padding:15px 30px; border-radius:var(--r-pill); font-size:14px; font-weight:700; text-decoration:none; font-family:'Lato',sans-serif; white-space:nowrap; transition:background .2s,transform .15s; flex-shrink:0; }
.biz-cta-strip-btn:hover { background:#d42b2b; transform:translateY(-1px); }

/* Requirements tabbed panel */
.biz-reqs { padding:96px 24px; background:#fff; }
.biz-reqs-inner { max-width:920px; margin:0 auto; }
.biz-reqs-h2 { font-family:'Raleway',sans-serif; font-size:clamp(22px,3vw,38px); font-weight:800; color:var(--navy-900); text-align:center; margin-bottom:48px; }
.biz-reqs-body { display:grid; grid-template-columns:220px 1fr; gap:0; background:#fff; border:1px solid var(--line); border-radius:20px; overflow:hidden; box-shadow:0 8px 32px -8px rgba(12,46,74,.1); }
.biz-reqs-tabs { display:flex; flex-direction:column; background:var(--sand-100); border-right:1px solid var(--line); padding:16px 0; }
.biz-tab { display:flex; align-items:center; gap:10px; padding:16px 22px; background:transparent; border:none; cursor:pointer; font-size:14px; font-weight:600; color:var(--ink-700); font-family:'Lato',sans-serif; text-align:left; transition:background .15s,color .15s; border-left:3px solid transparent; }
.biz-tab:hover { background:rgba(12,46,74,.05); color:var(--navy-900); }
.biz-tab.active { border-left-color:var(--coral-500); background:#fff; color:var(--navy-900); font-weight:700; }
.biz-reqs-panel { padding:40px 36px; }
.biz-panel-h3 { font-family:'Raleway',sans-serif; font-size:22px; font-weight:800; color:var(--navy-900); margin-bottom:28px; }
.biz-panel-list { list-style:none; padding:0; display:flex; flex-direction:column; gap:12px; margin-bottom:28px; }
.biz-panel-list li { display:flex; align-items:flex-start; gap:12px; font-size:15px; color:var(--ink-700); line-height:1.6; padding:14px 16px; background:var(--sand-100); border:1px solid var(--line); border-radius:10px; }
.biz-panel-list li::before { content:''; width:8px; height:8px; border-radius:50%; background:var(--coral-500); flex-shrink:0; margin-top:6px; }
.biz-tip { font-size:14px; color:var(--ink-600); background:rgba(232,160,32,.08); border:1px solid rgba(232,160,32,.28); border-radius:10px; padding:14px 18px; line-height:1.65; }
.biz-tip strong { color:var(--navy-900); }

/* How to Apply */
.biz-apply { padding:96px 24px; background:#fff; }
.biz-apply-inner { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; max-width:1040px; margin:0 auto; }
.biz-apply-photo { border-radius:22px; overflow:hidden; box-shadow:0 40px 100px -24px rgba(12,46,74,.22),0 8px 20px -8px rgba(12,46,74,.08); }
.biz-apply-photo img { width:100%; display:block; aspect-ratio:4/5; object-fit:cover; }
.biz-apply-content .eyebrow { display:block; font-size:11px; font-weight:700; letter-spacing:0.26em; text-transform:uppercase; color:var(--coral-500); margin-bottom:16px; }
.biz-apply-h2 { font-family:'Raleway',sans-serif; font-size:clamp(24px,3vw,38px); font-weight:800; color:var(--navy-900); line-height:1.15; margin-bottom:32px; }
.biz-apply-steps { list-style:none; padding:0; display:flex; flex-direction:column; gap:14px; margin-bottom:40px; }
.biz-apply-steps li { position:relative; padding-left:20px; font-size:clamp(16px,1.6vw,20px); color:var(--ink-700); line-height:1.75; }
.biz-apply-steps li::before { content:'•'; color:var(--coral-500); font-size:20px; position:absolute; left:0; top:-1px; line-height:1.5; }
.biz-apply-steps li strong { color:var(--navy-900); white-space:nowrap; }

/* FAQ */
.biz-faq { padding:96px 24px; background:var(--sand-100); }
.biz-faq-inner { max-width:860px; margin:0 auto; }
.biz-faq-h2 { font-family:'Raleway',sans-serif; font-size:clamp(28px,3.6vw,48px); font-weight:800; color:var(--navy-900); text-align:center; margin-bottom:40px; }

/* Responsive — business loan */
@media(max-width:900px){
  .biz-reqs-body { grid-template-columns:180px 1fr; }
}
@media(max-width:768px){
  .biz-cards-grid  { grid-template-columns:1fr; max-width:440px; margin:0 auto; }
  .biz-why-inner   { padding:36px 28px; }
  .biz-why-grid    { grid-template-columns:1fr; }
  .biz-cta-strip   { flex-direction:column; align-items:flex-start; padding:32px 28px; }
  .biz-reqs-body   { grid-template-columns:1fr; }
  .biz-reqs-tabs   { flex-direction:row; border-right:none; border-bottom:1px solid var(--line); padding:0; overflow-x:auto; }
  .biz-tab         { border-left:none; border-bottom:3px solid transparent; padding:14px 18px; white-space:nowrap; }
  .biz-tab.active  { border-bottom-color:var(--coral-500); border-left-color:transparent; background:transparent; }
  .biz-apply-inner { grid-template-columns:1fr; gap:40px; }
  .biz-apply-photo { max-width:480px; }
  .biz-apply-photo img { aspect-ratio:16/9; }
}
@media(max-width:520px){
  .biz-reqs-panel  { padding:28px 22px; }
  .biz-cta-strip   { padding:24px 20px; }
  .biz-cta-wrap    { padding-bottom:48px; }
}

/* ═══════════════════ CHURCH LOAN PAGE (ch-) ═══════════════════ */

/* Benefits illustration */
.ch-benefits-art { max-width:820px; margin:0 auto 56px; border-radius:24px; overflow:hidden; box-shadow:0 48px 120px -28px rgba(12,46,74,.3),0 8px 24px -8px rgba(12,46,74,.12); }
.ch-benefits-art svg { width:100%; height:auto; display:block; }

/* Phased Disbursement section */
.ch-phases { background:var(--navy-900); padding:96px 24px; }
.ch-phases-inner { max-width:1040px; margin:0 auto; }
.ch-phases-eyebrow { display:block; font-size:11px; font-weight:700; letter-spacing:0.26em; text-transform:uppercase; color:var(--coral-400); margin-bottom:16px; text-align:center; }
.ch-phases-h2 { font-family:'Raleway',sans-serif; font-size:clamp(24px,3.2vw,40px); font-weight:800; color:#fff; text-align:center; margin-bottom:20px; }
.ch-phases-intro { font-size:16px; color:rgba(255,255,255,.72); line-height:1.85; text-align:center; max-width:680px; margin:0 auto 72px; }

/* Track: 4 phases + 3 connectors in a row */
.ch-phases-track { display:flex; align-items:flex-start; gap:0; margin-bottom:48px; }

.ch-phase { flex:1; display:flex; flex-direction:column; align-items:center; text-align:center; }
.ch-phase-bubble { width:72px; height:72px; border-radius:50%; background:rgba(255,255,255,.1); border:2px solid rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,.85); margin-bottom:20px; transition:background .2s,border-color .2s; flex-shrink:0; }
.ch-phase-bubble--final { background:rgba(244,51,52,.22); border-color:var(--coral-400); color:var(--coral-300); }
.ch-phase:hover .ch-phase-bubble { background:rgba(255,255,255,.16); border-color:rgba(255,255,255,.4); }
.ch-phase-pct { font-size:11px; font-weight:700; letter-spacing:0.18em; text-transform:uppercase; color:var(--coral-400); margin-bottom:8px; }
.ch-phase-name { font-family:'Raleway',sans-serif; font-size:16px; font-weight:800; color:#fff; margin-bottom:12px; line-height:1.3; padding:0 8px; }
.ch-phase-desc { font-size:13.5px; color:rgba(255,255,255,.62); line-height:1.7; padding:0 8px; }

/* Connector line between phases */
.ch-phase-connector { flex:0 0 40px; height:2px; background:rgba(255,255,255,.18); margin-top:35px; align-self:flex-start; }

/* Info note at bottom */
.ch-phases-note { display:flex; align-items:flex-start; gap:12px; background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.12); border-radius:14px; padding:18px 22px; font-size:14px; color:rgba(255,255,255,.65); line-height:1.7; max-width:840px; margin:0 auto; }
.ch-phases-note svg { color:var(--coral-400); flex-shrink:0; margin-top:2px; }

/* Responsive */
@media(max-width:768px){
  .ch-phases-track { flex-direction:column; align-items:stretch; gap:0; }
  .ch-phase { flex-direction:row; text-align:left; align-items:flex-start; gap:20px; padding:20px 0; border-bottom:1px solid rgba(255,255,255,.1); }
  .ch-phase:last-child { border-bottom:none; }
  .ch-phase-bubble { flex-shrink:0; margin-bottom:0; }
  .ch-phase-connector { display:none; }
  .ch-phases-intro { margin-bottom:48px; }
}
@media(max-width:520px){
  .ch-phase-bubble { width:56px; height:56px; }
  .ch-phase-bubble svg { width:22px; height:22px; }
}

/* ═══════════════════ ABOUT PAGE (ab-) ═══════════════════ */

/* Hero */
.ab-hero { background:var(--navy-900); color:#fff; position:relative; overflow:hidden; }
.ab-hero-inner { display:grid; grid-template-columns:1fr 480px; gap:48px; align-items:flex-end; padding-top:72px; }
.ab-hero-text { padding-bottom:80px; }
.ab-hero-h1 { font-family:'Raleway',sans-serif; font-size:clamp(40px,6vw,72px); font-weight:800; color:#fff; line-height:1.04; margin:16px 0 22px; }
.ab-hero-sub { font-size:18px; color:rgba(255,255,255,.72); max-width:520px; line-height:1.7; margin-bottom:36px; }
.ab-hero-btn { display:inline-flex; align-items:center; gap:10px; background:#fff; color:var(--navy-900); padding:15px 30px; border-radius:var(--r-pill); font-size:14px; font-weight:700; text-decoration:none; font-family:'Lato',sans-serif; transition:background .2s,color .2s; box-shadow:0 8px 24px -8px rgba(0,0,0,.32); }
.ab-hero-btn:hover { background:var(--coral-500); color:#fff; }
.ab-hero-photo { align-self:flex-end; }
.ab-hero-photo img { width:100%; display:block; border-radius:20px 20px 0 0; object-fit:cover; max-height:480px; object-position:center top; box-shadow:0 -12px 48px -12px rgba(0,0,0,.4); }

/* What drives us */
.ab-drives-section { background:#fff; }
.ab-drives-header { text-align:center; margin-bottom:72px; }
.ab-drives-section-h { margin:12px auto 0; color:var(--navy-900); font-size:clamp(28px,3.5vw,46px); max-width:600px; }
.ab-drives-row { display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:center; padding:72px 0; border-bottom:1px solid var(--line); }
.ab-drives-row:last-child { border-bottom:none; padding-bottom:0; }
.ab-drives-row--rev .ab-drives-img { order:2; }
.ab-drives-row--rev .ab-drives-text { order:1; }
.ab-drives-img { border-radius:20px; overflow:hidden; box-shadow:0 24px 64px -16px rgba(12,46,74,.18),0 4px 16px -4px rgba(12,46,74,.06); }
.ab-drives-img img { width:100%; display:block; aspect-ratio:4/3; object-fit:cover; }
.ab-drives-h { font-family:'Raleway',sans-serif; font-size:clamp(28px,3.2vw,42px); font-weight:800; color:var(--navy-900); margin-bottom:24px; }
.ab-drives-body { font-size:clamp(16px,1.6vw,18px); color:var(--ink-700); line-height:1.9; }
.ab-drives-body strong { color:var(--navy-900); font-weight:700; }

/* Our Principles */
.ab-princ-section { background:var(--sand-100); }
.ab-princ-header { text-align:center; max-width:640px; margin:0 auto 80px; }
.ab-princ-section-h { margin:12px auto 16px; color:var(--navy-900); font-size:clamp(28px,3.5vw,46px); }
.ab-princ-intro { font-size:17px; color:var(--ink-600); line-height:1.75; }
.ab-princ-grid { display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:center; }
.ab-princ-visual { display:flex; align-items:center; justify-content:center; }
.ab-rings-wrap { position:relative; width:420px; height:420px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.ab-ring { position:absolute; border-radius:50%; border:1.5px solid rgba(12,46,74,.09); }
.ab-ring-1 { width:420px; height:420px; }
.ab-ring-2 { width:340px; height:340px; border-color:rgba(12,46,74,.12); }
.ab-ring-3 { width:260px; height:260px; border-color:rgba(12,46,74,.17); }
.ab-ring-4 { width:180px; height:180px; border-color:rgba(12,46,74,.22); }
.ab-ring-photo { width:280px; height:280px; border-radius:50%; overflow:hidden; position:relative; z-index:1; box-shadow:0 24px 64px -16px rgba(12,46,74,.28),0 6px 20px -6px rgba(12,46,74,.14); }
.ab-ring-photo img { width:100%; height:100%; object-fit:cover; }
.ab-princ-list { display:flex; flex-direction:column; gap:32px; }
.ab-princ-item { display:flex; align-items:center; gap:20px; }
.ab-princ-icon { width:54px; height:54px; border-radius:50%; background:#fff; border:1px solid var(--line); display:flex; align-items:center; justify-content:center; flex-shrink:0; color:var(--navy-900); box-shadow:0 2px 8px -2px rgba(12,46,74,.1); }
.ab-princ-name { font-family:'Raleway',sans-serif; font-size:18px; font-weight:800; color:var(--navy-900); margin-bottom:6px; }
.ab-princ-desc { font-size:14.5px; color:var(--ink-600); line-height:1.7; }

/* Responsive — about page */
@media(max-width:900px){
  .ab-hero-inner     { grid-template-columns:1fr; }
  .ab-hero-photo     { display:none; }
  .ab-hero-text      { padding-bottom:72px; }
  .ab-drives-row     { grid-template-columns:1fr; gap:36px; padding:48px 0; }
  .ab-drives-row--rev .ab-drives-img { order:0; }
  .ab-drives-row--rev .ab-drives-text { order:0; }
  .ab-princ-grid     { grid-template-columns:1fr; gap:48px; }
  .ab-princ-visual   { display:none; }
}
@media(max-width:600px){
  .ab-hero-h1        { font-size:clamp(34px,8vw,52px); }
  .ab-hero-text      { padding-bottom:56px; }
}

/* ═══════════════════ BIDIRECTIONAL SCROLL REVEAL ═══════════════════ */
.reveal-bi {
  opacity:0;
  transition:opacity .65s cubic-bezier(.4,0,.2,1), transform .65s cubic-bezier(.4,0,.2,1);
  transition-delay: var(--bi-delay, 0ms);
  will-change:opacity,transform;
}
.reveal-bi.from-left  { transform:translateX(-72px); }
.reveal-bi.from-right { transform:translateX(72px); }
/* Contain the pre-reveal offset locally. Without this the .from-right items sit
   72px past the viewport and scroll the whole page sideways; clipping on html
   or body would fix it too, but that turns them into scroll containers and
   kills the sticky header. Clip on the immediate parents instead. */
.ab-drives-row, .ab-princ-list { overflow-x:clip; overflow-clip-margin:28px; }
.reveal-bi.from-below { transform:translateY(50px); }
.reveal-bi.visible    { opacity:1 !important; transform:none !important; }

/* ═══════════════════ MISSION / VISION PHOTO WRAPPERS ═══════════════════ */
.ab-drives-img-wrap { display:flex; align-items:center; justify-content:center; }
.ab-drives-photo { width:100%; max-width:420px; height:auto; border-radius:24px; object-fit:cover; box-shadow:0 24px 64px -16px rgba(12,46,74,.18), 0 4px 16px -4px rgba(12,46,74,.08); }
/* Vision row: photo sits second (right) */
.ab-drives-row--rev .ab-drives-img-wrap { order:2; }
.ab-drives-row--rev .ab-drives-text { order:1; }

/* ═══════════════════ EXPANDED CONCENTRIC RINGS ═══════════════════ */
.ab-rings-wrap { position:relative; width:500px; height:500px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
/* Override ring sizes – 6 rings */
.ab-ring-1 { width:500px; height:500px; border-color:rgba(12,46,74,.04); }
.ab-ring-2 { width:430px; height:430px; border-color:rgba(12,46,74,.07); }
.ab-ring-3 { width:360px; height:360px; border-color:rgba(12,46,74,.11); }
.ab-ring-4 { width:290px; height:290px; border-color:rgba(12,46,74,.17); }
.ab-ring-5 { width:218px; height:218px; border-color:rgba(12,46,74,.23); border-width:1.5px; }
.ab-ring-6 { width:150px; height:150px; border-color:rgba(12,46,74,.3); border-width:1.5px; }
/* BSI logo centered inside rings */
.ab-ring-logo { width:120px; height:120px; border-radius:50%; background:#fff; display:flex; align-items:center; justify-content:center; position:relative; z-index:2; box-shadow:0 16px 48px -12px rgba(12,46,74,.28), 0 4px 16px -4px rgba(12,46,74,.14); padding:18px; }
.ab-ring-logo img { width:100%; height:auto; object-fit:contain; }

/* ═══════════════════ CURVED PRINCIPLES LIST ═══════════════════ */
.ab-princ-list { display:flex; flex-direction:column; gap:28px; }
.ab-princ-item { display:flex; align-items:center; gap:20px; transition:transform .25s ease; }
.ab-princ-item:hover { transform:translateX(-4px); }
/* Inward-curve arc — middle item farthest from rings (concave toward rings) */
.ab-princ-item:nth-child(1) { margin-left:4px;  }
.ab-princ-item:nth-child(2) { margin-left:28px; }
.ab-princ-item:nth-child(3) { margin-left:52px; }
.ab-princ-item:nth-child(4) { margin-left:28px; }
.ab-princ-item:nth-child(5) { margin-left:4px;  }
/* Icon color variants */
.ab-princ-icon { width:72px; height:72px; border-radius:50%; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.ab-princ-icon--coral  { background:#fff0f0; border:2px solid rgba(244,51,52,.22);  color:#f43334; }
.ab-princ-icon--navy   { background:#e9f1f8; border:2px solid rgba(12,46,74,.22);   color:#0C2E4A; }
.ab-princ-icon--amber  { background:#fff8ed; border:2px solid rgba(232,160,32,.28); color:#c07a10; }
.ab-princ-icon--teal   { background:#e6f5f3; border:2px solid rgba(13,148,136,.22); color:#0d9488; }
.ab-princ-icon--purple { background:#f3f0ff; border:2px solid rgba(109,40,217,.20); color:#7c3aed; }
.ab-princ-name { font-family:'Raleway',sans-serif; font-size:18px; font-weight:800; color:var(--navy-900); display:inline; }
.ab-princ-name::after { content:': '; }
.ab-princ-desc { display:inline; font-size:15px; color:var(--ink-600); line-height:1.65; }

/* ═══════════════════ IMPROVED TEAM CARDS ═══════════════════ */
.team-section-v2 { background:var(--sand-100); }
.team-card { border-radius:20px; overflow:hidden; box-shadow:0 4px 20px -6px rgba(12,46,74,.1), 0 1px 4px rgba(12,46,74,.05); display:flex; flex-direction:column; transition:transform .3s ease,box-shadow .3s ease; position:relative; background:#fff; }
.team-card::before { content:''; display:block; height:4px; background:linear-gradient(90deg,var(--navy-900) 0%,var(--coral-500) 100%); position:absolute; top:0;left:0;right:0; z-index:1; }
.team-card:hover { transform:translateY(-8px); box-shadow:0 28px 56px -18px rgba(12,46,74,.22), 0 6px 20px -6px rgba(12,46,74,.1); }
.team-card-photo { width:100%; aspect-ratio:4/3; overflow:hidden; background:var(--sand-200); position:relative; }
.team-card-photo img { width:100%; height:100%; object-fit:cover; object-position:center top; transition:transform .45s ease; }
.team-card:hover .team-card-photo img { transform:scale(1.05); }
.team-card-photo-overlay { position:absolute; inset:0; background:linear-gradient(180deg,transparent 55%,rgba(12,46,74,.42)); pointer-events:none; }
.team-card-exp-badge { position:absolute; bottom:12px; right:12px; background:var(--navy-900); color:#fff; font-size:11px; font-weight:700; font-family:'Lato',sans-serif; padding:5px 11px; border-radius:var(--r-pill); letter-spacing:.03em; }
.team-card-body { padding:24px 24px 26px; flex:1; display:flex; flex-direction:column; }
.team-card-name { font-family:'Raleway',sans-serif; font-size:19px; font-weight:800; color:var(--navy-900); margin-bottom:3px; }
.team-card-role { font-size:11px; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--coral-500); margin-bottom:14px; }
.team-card-bio { font-size:13.5px; color:var(--ink-700); line-height:1.68; margin:0 0 18px; flex:1; }
.team-card-tags { display:flex; flex-wrap:wrap; gap:6px; padding-top:16px; border-top:1px solid var(--line); margin-top:auto; }
.team-tag { font-size:11px; font-weight:600; color:var(--ink-700); background:var(--sand-100); border-radius:var(--r-pill); padding:4px 11px; white-space:nowrap; }

/* ─── Responsive – about page (additions) ─── */
@media(max-width:900px){
  .ab-rings-wrap { width:320px; height:320px; }
  .ab-ring-1 { width:320px; height:320px; }
  .ab-ring-2 { width:274px; height:274px; }
  .ab-ring-3 { width:228px; height:228px; }
  .ab-ring-4 { width:182px; height:182px; }
  .ab-ring-5 { width:136px; height:136px; }
  .ab-ring-6 { width:96px;  height:96px; }
  .ab-ring-logo { width:80px; height:80px; padding:12px; }
  .ab-princ-item:nth-child(1),
  .ab-princ-item:nth-child(2),
  .ab-princ-item:nth-child(3),
  .ab-princ-item:nth-child(4),
  .ab-princ-item:nth-child(5) { margin-left:0; }
}

/* ═══ ABOUT PAGE — FURTHER REFINEMENTS ═══ */

/* Remove divider between rows; tighten spacing */
.ab-drives-row--no-border { border-bottom:none !important; padding:40px 0 !important; }
.ab-drives-section { padding-bottom:20px; }

/* Hero: remove photo column entirely */
.ab-hero-inner { grid-template-columns:1fr; }
.ab-hero-text { padding-bottom:80px; max-width:680px; }

/* Rings — 680px wrap, 8 evenly-spaced rings, larger logo */
.ab-rings-wrap {
  width:680px; height:680px;
  min-width:680px; flex-shrink:0;
}
.ab-ring-1 { width:680px; height:680px; border-color:rgba(12,46,74,.035); }
.ab-ring-2 { width:612px; height:612px; border-color:rgba(12,46,74,.05); }
.ab-ring-3 { width:544px; height:544px; border-color:rgba(12,46,74,.07); }
.ab-ring-4 { width:476px; height:476px; border-color:rgba(12,46,74,.10); }
.ab-ring-5 { width:408px; height:408px; border-color:rgba(12,46,74,.14); }
.ab-ring-6 { width:340px; height:340px; border-color:rgba(12,46,74,.18); }
.ab-ring-7 { width:272px; height:272px; border-color:rgba(12,46,74,.23); border-width:1.5px; }
.ab-ring-8 { width:200px; height:200px; border-color:rgba(12,46,74,.3);  border-width:1.5px; }
/* Larger logo */
.ab-ring-logo { width:160px; height:160px; padding:22px; }

/* Principles grid — rings overflow right into items column */
.ab-princ-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: center;
  overflow: visible;
  min-height: 680px;
}
.ab-princ-visual {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  overflow: visible;
  z-index: 0;
}
/* Items list — pulled left to overlay outer rings */
.ab-princ-list {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 36px;
  margin-left: -100px;
}
/* Arc: ring R=340, center at x=340 from grid-left, right-col starts at x≈520
   item_margin = 340 + sqrt(340²-y²) - 520
   y: ±150 → ~125px,  y: ±75 → ~152px,  y: 0 → 160px */
.ab-princ-item:nth-child(1) { margin-left:125px; }
.ab-princ-item:nth-child(2) { margin-left:152px; }
.ab-princ-item:nth-child(3) { margin-left:160px; }
.ab-princ-item:nth-child(4) { margin-left:152px; }
.ab-princ-item:nth-child(5) { margin-left:125px; }

/* Responsive reset for new rules */
@media(max-width:900px){
  .ab-drives-row--no-border { padding:32px 0 !important; }
  .ab-rings-wrap { width:100%; height:auto; min-width:0; }
  .ab-ring-1 { width:320px; height:320px; }
  .ab-ring-2 { width:277px; height:277px; }
  .ab-ring-3 { width:234px; height:234px; }
  .ab-ring-4 { width:191px; height:191px; }
  .ab-ring-5 { width:148px; height:148px; }
  .ab-ring-6 { width:105px; height:105px; }
  .ab-ring-7 { width:62px; height:62px; }
  .ab-ring-8 { display:none; }
  .ab-ring-logo { width:72px; height:72px; padding:10px; }
  .ab-princ-grid { grid-template-columns:1fr; min-height:auto; }
  .ab-princ-visual { display:none; }
  .ab-princ-item:nth-child(1),
  .ab-princ-item:nth-child(2),
  .ab-princ-item:nth-child(3),
  .ab-princ-item:nth-child(4),
  .ab-princ-item:nth-child(5) { margin-left:0; }
}

/* ══════════════════════════════════════════════════════════════════
   ABOUT PAGE — FINAL PASS
══════════════════════════════════════════════════════════════════ */

/* 1 ▸ Hero — Dar es Salaam skyline with dark overlay */
.ab-hero {
  background:
    linear-gradient(rgba(12,46,74,.70), rgba(12,46,74,.84)),
    url('../images/hero-about.jpg') center / cover no-repeat;
}

/* 2 ▸ Rings — 10 rings total; ring-9 and ring-10 overflow wrap (position:absolute) */
.ab-rings-wrap  { width:720px; height:720px; min-width:720px; overflow:visible; }
.ab-ring-10     { width:860px; height:860px; border-color:rgba(12,46,74,.09); border-width:1px; }
.ab-ring-9      { width:792px; height:792px; border-color:rgba(12,46,74,.14); border-width:1px; }
.ab-ring-1      { width:720px; height:720px; border-color:rgba(12,46,74,.20); }
.ab-ring-2      { width:652px; height:652px; border-color:rgba(12,46,74,.26); }
.ab-ring-3      { width:584px; height:584px; border-color:rgba(12,46,74,.25); border-width:1.5px; }
.ab-ring-4      { width:516px; height:516px; border-color:rgba(12,46,74,.33); border-width:1.5px; }
.ab-ring-5      { width:448px; height:448px; border-color:rgba(12,46,74,.42); border-width:1.5px; }
.ab-ring-6      { width:380px; height:380px; border-color:rgba(12,46,74,.50); border-width:2px; }
.ab-ring-7      { width:312px; height:312px; border-color:rgba(12,46,74,.56); border-width:2px; }
.ab-ring-8      { width:240px; height:240px; border-color:rgba(12,46,74,.62); border-width:2px; }
.ab-ring-logo   { width:160px; height:160px; padding:22px; }
.ab-princ-grid  { min-height:720px; }

/* No mask — rings show as full circles behind the values list */
.ab-princ-visual {
  -webkit-mask-image: none;
  mask-image:         none;
}

/* 3 ▸ Arc margins — icons sit at ring-1 right boundary at each item's y-offset
   Ring-1 R=360, center x=360; right edge = 360+√(360²−y²)
   Items y (from grid centre): ±200px, ±100px, 0  → x = 659, 706, 720 → col-offset 59, 106, 120 */
.ab-princ-item:nth-child(1) { margin-left:60px;  }
.ab-princ-item:nth-child(2) { margin-left:106px; }
.ab-princ-item:nth-child(3) { margin-left:120px; }
.ab-princ-item:nth-child(4) { margin-left:106px; }
.ab-princ-item:nth-child(5) { margin-left:60px;  }

/* Slow horizontal reveal for value items */
.ab-princ-item.reveal-bi { transition:opacity 1.4s ease, transform 1.4s ease; }

/* Inline "Name: desc" format */
.ab-princ-name { display:inline; }
.ab-princ-name::after { content:': '; }
.ab-princ-desc { display:inline; font-size:15px; color:var(--ink-600); line-height:1.65; }

/* 4 ▸ Team section — pull closer to values */
.team-section-v2 { padding-top:32px !important; }

/* ═══ TEAM ACCORDION (tc3) ═══════════════════════════════════════ */
.tc3-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.tc3-card { background:#fff; border-radius:18px; overflow:hidden; border:1px solid var(--line); box-shadow:0 2px 16px rgba(12,46,74,.07); transition:box-shadow .3s ease, transform .3s ease; }
.tc3-card:hover { box-shadow:0 12px 40px -12px rgba(12,46,74,.18); transform:translateY(-4px); }
.tc3-photo-wrap { width:100%; aspect-ratio:3/4; overflow:hidden; background:var(--sand-200); }
.tc3-photo-wrap img { width:100%; height:100%; object-fit:cover; object-position:center top; transition:transform .45s ease; }
.tc3-card:hover .tc3-photo-wrap img { transform:scale(1.04); }
.tc3-body { padding:20px 22px 22px; }
.tc3-name { font-family:'Raleway',sans-serif; font-size:18px; font-weight:800; color:var(--navy-900); margin-bottom:3px; }
.tc3-role { font-size:10.5px; font-weight:700; letter-spacing:.12em; text-transform:uppercase; color:var(--coral-500); margin-bottom:16px; }
.tc3-toggle { display:flex; align-items:center; gap:8px; background:none; border:1px solid var(--line); cursor:pointer; font-size:13px; font-weight:600; color:var(--navy-900); padding:9px 14px; border-radius:var(--r-pill); font-family:'Lato',sans-serif; width:100%; transition:background .2s, border-color .2s; }
.tc3-toggle:hover { background:var(--sand-100); border-color:rgba(12,46,74,.2); }
.tc3-toggle-arrow { transition:transform .35s cubic-bezier(.4,0,.2,1); flex-shrink:0; margin-left:auto; color:var(--ink-600); }
.tc3-card.open .tc3-toggle-arrow { transform:rotate(180deg); }
.tc3-bio-wrap { max-height:0; overflow:hidden; transition:max-height .48s cubic-bezier(.4,0,.2,1), opacity .4s ease; opacity:0; }
.tc3-card.open .tc3-bio-wrap { max-height:360px; opacity:1; }
.tc3-bio { font-size:13.5px; color:var(--ink-700); line-height:1.68; margin:18px 0 14px; }
.tc3-tags { display:flex; flex-wrap:wrap; gap:6px; padding-top:12px; border-top:1px solid var(--line); margin-bottom:4px; }
.tc3-tag { font-size:11px; font-weight:600; color:var(--ink-700); background:var(--sand-100); border-radius:var(--r-pill); padding:4px 11px; }

/* ═══ WHERE WE ARE (ab-loc) ══════════════════════════════════════ */
.ab-loc-section { background:var(--sand-50); }
.ab-loc-header  { text-align:center; margin-bottom:48px; }
.ab-loc-grid { display:grid; grid-template-columns:1fr 1.45fr; gap:28px; align-items:stretch; }
.ab-loc-card { background:#fff; border-radius:16px; padding:34px 38px; box-shadow:0 4px 24px -8px rgba(12,46,74,.10); }
.ab-loc-eyebrow { display:block; font-size:10px; font-weight:700; letter-spacing:.2em; text-transform:uppercase; color:var(--coral-500); margin-bottom:28px; }
.ab-loc-rows { display:flex; flex-direction:column; gap:24px; }
.ab-loc-row { display:flex; gap:16px; align-items:flex-start; }
.ab-loc-icon { width:40px; height:40px; border-radius:10px; background:var(--sand-100); color:var(--coral-500); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.ab-loc-row-label { font-size:10px; font-weight:700; letter-spacing:.15em; text-transform:uppercase; color:var(--ink-500); margin-bottom:4px; }
.ab-loc-row-val { font-size:14px; color:var(--navy-900); line-height:1.65; }
.ab-loc-row-val a { color:var(--coral-500); text-decoration:none; }
.ab-loc-row-val a:hover { text-decoration:underline; }
.ab-loc-map { border-radius:16px; overflow:hidden; position:relative; box-shadow:0 4px 24px -8px rgba(12,46,74,.10); }
.ab-loc-map-inner { position:relative; height:100%; min-height:420px; background:#0B1F3A; }
.ab-loc-map-badge { position:absolute; bottom:24px; left:50%; transform:translateX(-50%); background:rgba(12,46,74,.88); color:#fff; padding:10px 20px; border-radius:var(--r-pill); font-size:12px; font-weight:600; font-family:'Lato',sans-serif; display:flex; align-items:center; gap:8px; white-space:nowrap; backdrop-filter:blur(6px); -webkit-backdrop-filter:blur(6px); }

/* Responsive */
@media(max-width:900px) {
  .ab-loc-grid { grid-template-columns:1fr; }
  .ab-loc-card { padding:24px; }
  .tc3-grid { grid-template-columns:1fr; }
  .ab-princ-item:nth-child(1),
  .ab-princ-item:nth-child(2),
  .ab-princ-item:nth-child(3),
  .ab-princ-item:nth-child(4),
  .ab-princ-item:nth-child(5) { margin-left:0; }
  .ab-rings-wrap { width:320px; height:320px; min-width:0; }
  .ab-ring-1 { width:320px; height:320px; }
  .ab-ring-2 { width:277px; height:277px; }
  .ab-ring-3 { width:234px; height:234px; }
  .ab-ring-4 { width:191px; height:191px; }
  .ab-ring-5 { width:148px; height:148px; }
  .ab-ring-6 { width:105px; height:105px; }
  .ab-ring-7 { width:62px; height:62px; }
  .ab-ring-8 { display:none; }
  .ab-ring-9 { display:none; }
  .ab-ring-10 { display:none; }
  .ab-ring-logo { width:72px; height:72px; padding:10px; }
  .ab-princ-list { margin-left:0; gap:28px; }
  .ab-princ-grid { min-height:auto; }
}
@media(max-width:640px) {
  .ab-loc-map-inner { min-height:260px; }
}

/* Requirements page hero override */
.page-hero--req {
  background: linear-gradient(rgba(12,46,74,.72), rgba(12,46,74,.85)),
              url('../images/hero-requirements.jpg') center/cover no-repeat;
  border-bottom: none;
}
.page-hero--req::before { display: none; }
.page-hero--req .page-hero-tz { display: none; }
.page-hero--req .breadcrumb a,
.page-hero--req .breadcrumb span { color: rgba(255,255,255,.6); }
.page-hero--req .breadcrumb-sep { color: rgba(255,255,255,.3); }
.page-hero--req .eyebrow { background: rgba(244,51,52,.18); color: var(--coral-400); border-color: rgba(244,51,52,.25); }
.page-hero--req h1 { color: #fff; }
.page-hero--req p { color: rgba(255,255,255,.8); }

/* ═══ REQUIREMENTS PAGE — SIDEBAR LAYOUT ════════════════════════ */
.req-layout {
  display: grid;
  grid-template-columns: 230px 1fr;
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 4px 40px -12px rgba(12,46,74,.10);
  min-height: 560px;
}

/* Sidebar */
.req-sidebar {
  background: var(--sand-50);
  border-right: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  padding: 32px 0 0;
}
.req-sidebar-heading {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--ink-500);
  padding: 0 24px 14px;
}
.req-sitem {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 15px 24px;
  border: none;
  border-left: 3px solid transparent;
  background: none;
  cursor: pointer;
  text-align: left;
  width: 100%;
  transition: background .18s, border-color .18s;
}
.req-sitem:hover { background: rgba(12,46,74,.04); }
.req-sitem.active { border-left-color: var(--coral-500); background: #fff; }
.req-sitem-icon {
  width: 36px; height: 36px;
  border-radius: 9px;
  background: rgba(12,46,74,.06);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background .18s;
}
.req-sitem.active .req-sitem-icon { background: var(--sand-100); }
.req-sitem-labels { display: flex; flex-direction: column; }
.req-sitem-title {
  font-family: 'Raleway', sans-serif;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--navy-900);
  line-height: 1.2;
}
.req-sitem-sub { font-size: 12.5px; color: var(--ink-500); margin-top: 2px; }

.req-sidebar-notes {
  margin-top: auto;
  padding: 20px 24px;
  border-top: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.req-snote {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  color: var(--ink-600);
}
.req-snote svg { color: var(--coral-500); flex-shrink: 0; }

/* Content panels */
.req-panels { padding: 44px 52px; flex: 1; }
.req-panel--hidden { display: none; }

.req-panel-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  margin-bottom: 28px;
}
.req-panel-label {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(34px, 4.5vw, 48px);
  font-weight: 800;
  color: var(--navy-900);
  line-height: 1.05;
  margin-bottom: 10px;
}
.req-panel-desc { font-size: 17px; color: var(--ink-600); line-height: 1.6; max-width: 400px; }
.req-apply-btn { flex-shrink: 0; }
.req-panel-rule { height: 1px; background: var(--line); margin-bottom: 24px; }
.req-docs-heading {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--ink-500);
  margin-bottom: 4px;
}
.req-doc-list { display: flex; flex-direction: column; }
.req-doc-item {
  display: flex;
  align-items: baseline;
  gap: 18px;
  padding: 13px 0;
  border-bottom: 1px solid var(--line);
}
.req-doc-item:last-child { border-bottom: none; }
.req-doc-n {
  font-family: 'Raleway', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--coral-500);
  min-width: 20px;
  flex-shrink: 0;
}
.req-doc-t { font-size: 16.5px; color: var(--navy-900); line-height: 1.5; }

/* Responsive */
@media(max-width:860px) {
  .req-layout { grid-template-columns: 1fr; min-height: auto; }
  .req-sidebar { border-right: none; border-bottom: 1px solid var(--line); padding: 0; flex-direction: row; flex-wrap: nowrap; overflow-x: auto; }
  .req-sidebar-heading { display: none; }
  .req-sitem { flex: 1; min-width: 120px; border-left: none; border-bottom: 3px solid transparent; padding: 16px 18px; flex-direction: column; align-items: center; text-align: center; gap: 8px; }
  .req-sitem.active { border-bottom-color: var(--coral-500); border-left: none; }
  .req-sitem-sub { display: none; }
  .req-sidebar-notes { display: none; }
  .req-panels { padding: 28px 24px; }
  .req-panel-head { flex-direction: column; gap: 16px; }
  .req-apply-btn { width: 100%; justify-content: center; }
}

/* ═══ KEY ACHIEVEMENTS — REDESIGN ═══════════════════════════════ */
.ab-impact-section { background:var(--sand-50); }

/* Stats strip */
.ab-stats-strip {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 2px;
  background: var(--line);
  border-radius: 18px;
  overflow: hidden;
  margin-bottom: 36px;
  box-shadow: 0 4px 24px -8px rgba(12,46,74,.10);
}
.ab-stat-tile {
  background: #fff;
  padding: 36px 20px 32px;
  text-align: center;
  transition: background .25s;
}
.ab-stat-tile:hover { background: var(--sand-50); }
.ab-stat-num {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(38px,5vw,60px);
  font-weight: 800;
  color: var(--navy-900);
  line-height: 1;
}
.ab-stat-unit {
  font-family: 'Raleway', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--coral-500);
  margin-bottom: 10px;
  letter-spacing: .04em;
}
.ab-stat-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--ink-600);
}
.ab-stat-sub {
  font-size: 11px;
  color: var(--ink-400);
  margin-top: 3px;
}

/* Milestone cards */
.ab-milestone-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.ab-milestone {
  background: #fff;
  border-radius: 14px;
  padding: 24px 26px;
  border: 1px solid var(--line);
  display: flex;
  align-items: flex-start;
  gap: 18px;
  transition: box-shadow .3s, transform .3s;
}
.ab-milestone:hover { box-shadow: 0 8px 32px -10px rgba(12,46,74,.14); transform: translateY(-3px); }
.ab-milestone-accent {
  width: 4px;
  min-height: 52px;
  border-radius: 4px;
  background: linear-gradient(180deg, var(--coral-500) 0%, rgba(244,51,52,.25) 100%);
  flex-shrink: 0;
  margin-top: 2px;
}
.ab-milestone-num {
  font-family: 'Raleway', sans-serif;
  font-size: 32px;
  font-weight: 800;
  color: rgba(12,46,74,.10);
  line-height: 1;
  min-width: 48px;
  padding-top: 2px;
}
.ab-milestone-content { flex: 1; }
.ab-milestone-title {
  font-family: 'Raleway', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 6px;
}
.ab-milestone-desc { font-size: 13.5px; color: var(--ink-700); line-height: 1.65; }

/* ═══ WHY BSI + APPLY FORM (requirements page) ══════════════════ */

/* Why strip */
.rw-section { background: #fff; }
.rw-heading {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--navy-900);
  margin-bottom: 36px;
}
.rw-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
  padding-top: 32px;
  gap: 0;
}
.rw-item {
  padding: 0 28px 0 18px;
  border-left: 3px solid var(--line);
}
.rw-item--coral { border-left-color: var(--coral-500); }
.rw-item--navy  { border-left-color: var(--navy-900); }
.rw-item--mint  { border-left-color: var(--mint-500); }
.rw-title {
  font-family: 'Raleway', sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 8px;
  line-height: 1.25;
}
.rw-sub {
  font-size: 14px;
  color: var(--ink-600);
  line-height: 1.55;
}

/* Form section */
.rw-form-section { background: var(--sand-50); }
.rw-form-banner {
  background: var(--navy-900);
  padding: 36px 0;
  text-align: center;
}
.rw-banner-text {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(18px, 2.5vw, 26px);
  font-weight: 600;
  color: #fff;
  margin: 0;
}
.rw-form {
  max-width: 680px;
  margin: 0 auto;
  padding: 52px 0 64px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.rw-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.rw-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.rw-label {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy-900);
}
.rw-req { color: var(--coral-500); }
.rw-input {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  font-size: 14.5px;
  font-family: 'Lato', sans-serif;
  color: var(--navy-900);
  background: #fff;
  outline: none;
  transition: border-color .2s, box-shadow .2s;
  box-sizing: border-box;
}
.rw-input:focus {
  border-color: var(--coral-500);
  box-shadow: 0 0 0 3px rgba(244,51,52,.10);
}
.rw-input::placeholder { color: var(--ink-400); }
.rw-select { appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230C2E4A' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}
.rw-textarea { resize: vertical; min-height: 130px; }
.rw-submit { width: 100%; justify-content: center; padding: 15px; font-size: 15px; }

@media(max-width:860px) {
  .rw-grid { grid-template-columns: repeat(2,1fr); gap: 24px; }
  .rw-item { border-left: 3px solid var(--line); }
  .rw-item--coral { border-left-color: var(--coral-500); }
  .rw-item--navy  { border-left-color: var(--navy-900); }
  .rw-item--mint  { border-left-color: var(--mint-500); }
}
@media(max-width:560px) {
  .rw-grid { grid-template-columns: 1fr; }
  .rw-form-row { grid-template-columns: 1fr; }
  .rw-form { padding: 36px 0 48px; }
}

@media(max-width:900px) {
  .ab-stats-strip { grid-template-columns: repeat(2,1fr); border-radius:14px; }
  .ab-milestone-grid { grid-template-columns: 1fr; }
  .ab-stat-tile { padding: 28px 16px 24px; }
}

/* ═══ CONTACT PAGE — REDESIGN ════════════════════════════════════ */

/* Hero override */
.page-hero--contact {
  background: linear-gradient(135deg, var(--navy-900) 0%, #163e5e 100%);
  padding: 90px 0;
  border-bottom: none;
}
.page-hero--contact::before { display: none; }
.page-hero--contact .breadcrumb a,
.page-hero--contact .breadcrumb span { color: rgba(255,255,255,.55); }
.page-hero--contact .breadcrumb-sep  { color: rgba(255,255,255,.28); }
.page-hero--contact .eyebrow { background: rgba(244,51,52,.18); color: var(--coral-400); border-color: rgba(244,51,52,.25); }
.page-hero--contact h1 { color: #fff; }
.page-hero--contact p  { color: rgba(255,255,255,.78); }

/* Update grid to align tops */
.contact-grid { align-items: start; }

/* Left panel container */
.ct-left { display: flex; flex-direction: column; gap: 16px; }

/* 3 channel cards */
.ct-channels {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.ct-channel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.ct-channel-icon {
  width: 36px; height: 36px;
  background: rgba(244,51,52,.09);
  border-radius: 9px;
  color: var(--coral-500);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 6px;
  flex-shrink: 0;
}
.ct-channel-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--ink-500);
}
.ct-channel-val {
  font-size: 13px;
  color: var(--navy-900);
  font-weight: 600;
  line-height: 1.55;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.ct-channel-val a { color: var(--navy-900); text-decoration: none; }
.ct-channel-val a:hover { color: var(--coral-500); }

/* Opening hours card */
.ct-hours-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px 24px;
}
.ct-hours-heading {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Raleway', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--navy-900);
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 16px;
  color: var(--ink-600);
}
.ct-hours-heading svg { color: var(--coral-500); flex-shrink: 0; }
.ct-hours-row {
  display: flex;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
  gap: 12px;
}
.ct-hours-day {
  font-size: 14px;
  color: var(--navy-900);
  font-weight: 500;
  flex: 1;
}
.ct-hours-time {
  font-size: 14px;
  color: var(--ink-600);
  font-weight: 600;
}
.ct-pill {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 999px;
  flex-shrink: 0;
}
.ct-pill--open    { background: rgba(6,185,129,.12); color: #047857; }
.ct-pill--partial { background: rgba(245,158,11,.12); color: #92400E; }
.ct-pill--closed  { background: rgba(244,51,52,.10);  color: var(--coral-500); }

/* Map */
.ct-map {
  border-radius: 14px;
  overflow: hidden;
  position: relative;
  height: 200px;
}
.ct-map-badge {
  position: absolute;
  bottom: 14px;
  left: 50%;
  transform: translateX(-50%);
  background: rgba(11,31,58,.9);
  color: #fff;
  font-size: 11.5px;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: 999px;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  backdrop-filter: blur(4px);
}
.ct-map-badge svg { color: var(--coral-500); }

/* Form card refinements */
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 4px 32px -10px rgba(12,46,74,.10);
}

@media(max-width:860px) {
  .ct-channels { grid-template-columns: repeat(3,1fr); }
}
@media(max-width:640px) {
  .ct-channels { grid-template-columns: 1fr; }
  .ct-hours-time { display: none; }
}

/* ═══════════════════ MOBILE FIXES ═══════════════════════════════ */

/* Hamburger — 44px minimum touch target */
.nav-hamburger { min-width: 44px; min-height: 44px; }

/* Why-choose-us 3-col grid (index page) */
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
@media(max-width:880px) { .why-grid { grid-template-columns: 1fr; } }

/* FAQ grid on contact page */
.faq-section-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; align-items: start; }
@media(max-width:900px) { .faq-section-grid { grid-template-columns: 1fr; gap: 40px; } }

/* CTA help card grid on requirements page */
.cta-card-grid { display: grid; grid-template-columns: 1fr auto; gap: 32px; align-items: center; }
@media(max-width:640px) { .cta-card-grid { grid-template-columns: 1fr; } }

/* rw-form — side padding on narrow phones */
@media(max-width:560px) {
  .rw-form { padding: 36px 20px 48px; }
}

/* emp-metrics — prevent text overflow at ≤420px */
@media(max-width:420px) {
  .emp-metric { padding: 12px 8px; }
  .emp-metric strong { font-size: 20px; }
}

/* Form card — tighter padding on tiny screens */
@media(max-width:480px) {
  .form-card { padding: 20px; }
}

/* ═══════════════════ HERO UNDERLINE ANIMATION ═══════════════════ */
@keyframes hero-line-shimmer {
  from { stroke-dashoffset:  100; opacity: 0; }
  15%  {                          opacity: 1; }
  85%  {                          opacity: 1; }
  to   { stroke-dashoffset: -300; opacity: 0; }
}
.hero-shimmer-base  { opacity: 0.35; }
.hero-shimmer-sweep {
  stroke-dasharray: 100 200;
  animation: hero-line-shimmer 2.4s ease-in-out infinite;
}

/* ── About: management & board group photo ───────────────────── */
.ab-board { margin:64px auto 0; max-width:1000px; }
.ab-board img {
  width:100%; aspect-ratio:3/2; object-fit:cover; object-position:center center;
  border-radius:var(--r-xl); box-shadow:var(--sh-lg); display:block;
}
.ab-board-cap {
  margin-top:18px; text-align:center; font-size:14.5px; color:var(--ink-500);
  line-height:1.6; max-width:620px; margin-left:auto; margin-right:auto;
}
@media(max-width:768px){
  .ab-board { margin-top:44px; }
  .ab-board img { border-radius:var(--r-lg); }
}

/* ── Branded panel — stands in where a client photo is pending ───
   Each loan product gets its own accent and subject glyph, so no two
   panels read as the same missing image. Swapping in a real photo is a
   one-line change: replace the .brandfill div with an <img> in the same
   container — nothing else in the layout depends on it.                */
.brandfill {
  position:absolute; inset:0; overflow:hidden;
  --bf-accent:rgba(244,51,52,.22);
  --bf-glyph:rgba(255,255,255,.11);
  background:
    radial-gradient(circle at 28% 18%, var(--bf-accent), transparent 58%),
    linear-gradient(150deg, #0C2E4A 0%, #14456B 55%, #0A2437 100%);
}
/* Dot matrix */
.brandfill::after {
  content:''; position:absolute; inset:0;
  background-image:radial-gradient(circle, rgba(255,255,255,.09) 1.4px, transparent 1.4px);
  background-size:22px 22px;
}
/* Sweeping arc — geometry so the panel isn't a flat gradient */
.brandfill::before {
  content:''; position:absolute; width:132%; aspect-ratio:1;
  right:-44%; bottom:-48%; border-radius:50%;
  border:1px solid rgba(255,255,255,.075);
}
/* Subject glyph — what the panel is actually about */
.brandfill-glyph {
  position:absolute; top:50%; left:50%; transform:translate(-50%,-50%);
  width:min(46%,190px); height:auto; z-index:1;
  color:var(--bf-glyph); stroke:currentColor; fill:none;
  stroke-width:1.05; stroke-linecap:round; stroke-linejoin:round;
}
/* Logo watermark — subordinate to the glyph, corner-set */
.brandfill .brandfill-mark {
  position:absolute; inset:auto; right:22px; bottom:20px; transform:none;
  width:min(26%,104px); height:auto; max-height:20%;
  object-fit:contain; object-position:center;
  opacity:.20; filter:brightness(0) invert(1); z-index:2;
}
/* Per-product accents */
.brandfill--emp    { --bf-accent:rgba(0,163,221,.22); }
.brandfill--biz    { --bf-accent:rgba(244,51,52,.22); }
.brandfill--church { --bf-accent:rgba(252,209,22,.16); }
.brandfill--house  { --bf-accent:rgba(245,158,11,.24); }
.brandfill--agri   { --bf-accent:rgba(6,185,129,.24); }

/* Hero variant — glyph sits clear of the headline column */
.sl-hero-bg.brandfill .brandfill-glyph {
  --bf-glyph:rgba(255,255,255,.16);
  width:min(34%,250px); left:auto; right:7%; transform:translateY(-50%);
}
.sl-hero-bg.brandfill .brandfill-mark { right:28px; bottom:24px; }
@media(max-width:820px){
  .sl-hero-bg.brandfill .brandfill-glyph { opacity:.55; right:-4%; }
}

/* Flow version — occupies layout rather than filling an absolute parent */
.brandfill-ratio { position:relative; width:100%; aspect-ratio:4/5; }
@media(max-width:900px){ .brandfill-ratio { aspect-ratio:16/9; } }

/* ── Terms-pending notice ────────────────────────────────────────
   Used where a product's rate or limits are not yet published. Keeps
   the page honest rather than filling the gap with invented figures. */
.sl-notice { padding:30px 24px; background:var(--sand-100);
             border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.sl-notice-inner { max-width:840px; margin:0 auto; display:flex; align-items:flex-start; gap:18px; }
.sl-notice-icon { width:44px; height:44px; border-radius:13px; flex-shrink:0;
                  display:flex; align-items:center; justify-content:center;
                  background:rgba(245,158,11,.13); color:var(--amber-500); }
.sl-notice-title { font-family:'Raleway',sans-serif; font-size:16.5px; font-weight:700;
                   color:var(--navy-900); margin-bottom:6px; }
.sl-notice-text { font-size:14.5px; color:var(--ink-700); line-height:1.75; }
.sl-notice--agri .sl-notice-icon { background:rgba(6,185,129,.13); color:var(--mint-500); }
@media(max-width:560px){
  .sl-notice-inner { flex-direction:column; align-items:center; text-align:center; gap:14px; }
}

/* ── Per-product page accents ────────────────────────────────────
   The sl-* template is coral by default; these re-tint a whole page so
   each loan keeps its own identity without duplicating the template.  */
.theme-house .sl-hero-eyebrow,
.theme-house .sl-intro-eyebrow      { color:var(--amber-500); }
.theme-house .sl-benefits-dot       { background:var(--amber-500); }
.theme-house .sl-use-icon           { background:rgba(245,158,11,.10); color:var(--amber-500); }
.theme-house .sl-use-card:hover     { border-color:var(--amber-500); }
.theme-house .sl-doc-icon           { background:rgba(245,158,11,.10); color:var(--amber-500); }
.theme-house .sl-metric-val em      { color:var(--amber-500); }
.theme-house .sl-elig-dark .sl-elig-check { background:rgba(245,158,11,.26); color:#FBBF4A; }
.theme-house .sl-hero-btn:hover     { background:var(--amber-500); color:var(--navy-950); }

.theme-agri .sl-hero-eyebrow,
.theme-agri .sl-intro-eyebrow       { color:var(--mint-500); }
.theme-agri .sl-benefits-dot        { background:var(--mint-500); }
.theme-agri .sl-use-icon            { background:rgba(6,185,129,.10); color:var(--mint-500); }
.theme-agri .sl-use-card:hover      { border-color:var(--mint-500); }
.theme-agri .sl-doc-icon            { background:rgba(6,185,129,.10); color:var(--mint-500); }
.theme-agri .sl-metric-val em       { color:var(--mint-500); }
.theme-agri .sl-elig-dark .sl-elig-check { background:rgba(6,185,129,.26); color:#34D9A2; }
.theme-agri .sl-hero-btn:hover      { background:var(--mint-500); color:#fff; }

/* Status pill — marks a product that is announced but not yet live */
.sl-status-pill { display:inline-flex; align-items:center; gap:8px;
  background:rgba(255,255,255,.12); border:1px solid rgba(255,255,255,.24);
  color:#fff; padding:7px 15px 7px 12px; border-radius:var(--r-pill);
  font-size:11px; font-weight:700; letter-spacing:.14em; text-transform:uppercase;
  margin-bottom:18px; backdrop-filter:blur(4px); }
.sl-status-dot { width:7px; height:7px; border-radius:50%; background:var(--mint-500);
                 box-shadow:0 0 0 4px rgba(6,185,129,.25); }