/* ============================================
   PWE FINANCE — Multi-page Stylesheet
   Based on LoanMarket Razor design language
   ============================================ */

/* ---------- CSS Variables ---------- */
:root {
  /* Brand accents.
     --brand-cyan: decorative only (icons on dark, gradients, borders) — fails AA on white.
     --brand-blue: accessible accent for text/links/small icons on light backgrounds
       (5.0:1 on #fff, 4.56:1 on #F1F5F8; white text on it is 5.0:1). */
  --brand-cyan: #00AAE5;
  --brand-blue: #0077A8;
  --brand-blue-hover: #005F87;
  --light: #00AAE5; /* legacy alias of --brand-cyan */
  --dark: #222159;
  --tertiary: #C84B93;
  --ink: #14133f;
  --muted: #5f6680;
  --line: #dfe7ef;
  --light-back: #F1F5F8;
  --grey: #F1F5F8;
  --text: #222159;
  --text-on-light: #FFF;
  --text-on-dark: #FFF;
  --link: var(--brand-blue);

  --font-main: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-sm: 0 8px 24px rgba(34, 33, 89, 0.07);
  --shadow-md: 0 16px 40px rgba(34, 33, 89, 0.11);
  --shadow-lg: 0 24px 70px rgba(34, 33, 89, 0.15);

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --transition: all 0.3s ease;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-main);
  color: var(--text);
  line-height: 1.7;
  background: #fff;
  overflow-x: hidden;
  text-rendering: optimizeLegibility;
}

a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; }

/* ---------- Skip Link & Focus Visibility ---------- */
.skip-link {
  position: fixed;
  top: -100px;
  left: 16px;
  z-index: 2000;
  padding: 12px 20px;
  background: var(--dark);
  color: #fff;
  font-weight: 600;
  font-size: 0.9rem;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  box-shadow: var(--shadow-md);
  transition: none;
}
.skip-link:focus,
.skip-link:focus-visible { top: 0; outline: 3px solid var(--brand-blue); outline-offset: 2px; }

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
.btn:focus-visible,
.faq-question:focus-visible {
  outline: 3px solid var(--brand-blue);
  outline-offset: 2px;
}

/* Buttons on dark backgrounds need a light focus ring */
.btn-outline:focus-visible { outline-color: #fff; }

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-main);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
  justify-content: center;
  min-height: 48px;
}

.btn-primary { background: var(--brand-blue); color: #fff; border-color: var(--brand-blue); }
.btn-primary:hover { background: var(--brand-blue-hover); border-color: var(--brand-blue-hover); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-secondary { background: var(--dark); color: #fff; border-color: var(--dark); }
.btn-secondary:hover { background: #1a1948; border-color: #1a1948; transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-outline { background: transparent; color: #fff; border-color: #fff; }
.btn-outline:hover { background: #fff; color: var(--dark); transform: translateY(-2px); }

.btn-tertiary { background: var(--tertiary); color: #fff; border-color: var(--tertiary); }
.btn-tertiary:hover { background: #b03f80; border-color: #b03f80; transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.btn-full { width: 100%; }
.btn-block { display: block; width: 100%; }

/* ---------- Section Labels & Headers ---------- */
.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 3px;
  color: var(--brand-blue);
  margin-bottom: 12px;
}

.section-header h2 {
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--dark);
  line-height: 1.3;
  margin-bottom: 16px;
}

.section-subtitle {
  max-width: 680px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 1.05rem;
}

.centered { text-align: center; }

/* ==================== HEADER / NAVIGATION (Multi-page) ==================== */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  border-bottom: 1px solid rgba(223, 231, 239, 0.8);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

/* Logo */
.logo { display: flex; align-items: baseline; gap: 4px; }
.logo-main { font-size: 1.5rem; font-weight: 700; color: var(--dark); letter-spacing: -1px; }
.logo-sub { font-size: 0.72rem; font-weight: 600; color: var(--brand-blue); letter-spacing: 3px; text-transform: uppercase; }

/* Navigation */
.nav-menu { display: flex; align-items: center; gap: 4px; }

.nav-item { position: relative; }

.nav-item > a, .nav-dropdown-btn {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--dark);
  padding: 26px 16px;
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-item > a:hover,
.nav-dropdown-btn:hover {
  color: var(--brand-blue);
}

.nav-item > a::after {
  content: '';
  position: absolute;
  bottom: 0; left: 16px; right: 16px;
  height: 3px;
  background: var(--brand-blue);
  border-radius: 3px 3px 0 0;
  transform: scaleX(0);
  transition: transform 0.25s ease;
}

.nav-item:hover > a::after,
.nav-item.active > a::after {
  transform: scaleX(1);
}

/* Dropdown arrow */
.dropdown-arrow {
  font-size: 0.6rem;
  transition: transform 0.25s ease;
}

.nav-item:hover .dropdown-arrow { transform: rotate(180deg); }

/* Desktop dropdown menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 240px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s ease;
  z-index: 1001;
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-menu a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  font-size: 0.88rem;
  color: var(--dark);
  border-radius: var(--radius-sm);
}

.dropdown-menu a:hover {
  background: var(--light-back);
  color: var(--brand-blue);
}

.dropdown-menu a i {
  width: 20px;
  text-align: center;
  font-size: 0.85rem;
  opacity: 0.6;
}

/* Header phone */
.header-phone {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--dark);
  display: flex;
  align-items: center;
  gap: 6px;
}
.header-phone i { color: var(--brand-blue); }

/* Header actions */
.header-actions { display: flex; align-items: center; gap: 20px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.hamburger span {
  width: 26px; height: 2.5px; background: var(--dark); border-radius: 2px; transition: var(--transition);
}

/* ==================== BREADCRUMB ==================== */
.breadcrumb-section {
  padding-top: 72px;
  background: linear-gradient(135deg, var(--dark) 0%, #0d1b3e 100%);
}

.breadcrumb-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 20px 0;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
}

.breadcrumb-inner a { color: rgba(255,255,255,0.6); }
.breadcrumb-inner a:hover { color: var(--light); }
.breadcrumb-sep { opacity: 0.4; }
.breadcrumb-current { color: #fff; font-weight: 500; }

/* ==================== HERO (Multi-page variant) ==================== */
.page-hero {
  position: relative;
  min-height: 420px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--dark) 0%, #0d1b3e 100%);
  overflow: hidden;
}

.page-hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 20% 80%, rgba(0,170,229,0.12) 0%, transparent 50%),
              radial-gradient(circle at 80% 20%, rgba(200,75,147,0.08) 0%, transparent 50%);
}

.page-hero-content {
  position: relative; z-index: 2;
  padding: 60px 0;
}

.page-hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 16px;
}

.page-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  max-width: 640px;
  line-height: 1.8;
}

/* ==================== HERO (Homepage variant) ==================== */
.hero {
  position: relative;
  min-height: 720px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #151545 0%, #222159 48%, #083f58 100%);
  overflow: hidden;
  padding-top: 72px;
}

.hero-bg { position: absolute; inset: 0; }
.hero-bg::before {
  content: '';
  position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(20,19,63,0.12) 0%, rgba(20,19,63,0) 62%),
    repeating-linear-gradient(135deg, rgba(255,255,255,0.055) 0 1px, transparent 1px 24px);
}

.hero-bg::after {
  content: '';
  position: absolute;
  right: max(24px, calc((100vw - 1200px) / 2));
  bottom: 90px;
  width: min(42vw, 470px);
  aspect-ratio: 1 / 1;
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(255,255,255,0.16), rgba(255,255,255,0.04)),
    linear-gradient(180deg, rgba(0,170,229,0.18), rgba(200,75,147,0.08));
  box-shadow: 0 30px 80px rgba(0,0,0,0.22);
  transform: rotate(-4deg);
}

.hero-content { position: relative; z-index: 2; max-width: 760px; padding: 96px 0 120px; }

.hero-label {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 7px 12px;
  margin-bottom: 20px;
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 999px;
  color: rgba(255,255,255,0.84);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  background: rgba(255,255,255,0.08);
}

.hero-title {
  font-size: clamp(2.45rem, 5vw, 4.25rem);
  font-weight: 700; color: #fff; line-height: 1.08; margin-bottom: 24px;
  max-width: 820px;
}

.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.16rem);
  color: rgba(255,255,255,0.82); line-height: 1.8; margin-bottom: 34px; max-width: 650px;
}

.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-proof {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 28px;
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
}

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

.hero-proof i {
  color: var(--light);
  font-size: 0.78rem;
}

.hero-wave { position: absolute; bottom: -2px; left: 0; width: 100%; line-height: 0; }

/* ==================== STATS BAR (Homepage) ==================== */
.stats-bar {
  padding: 42px 0;
  background: var(--light-back);
  border-bottom: 1px solid var(--line);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-item {
  text-align: center;
  padding: 8px 12px;
}

.stat-number {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--brand-blue);
  line-height: 1.2;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--muted);
  margin-top: 4px;
}

/* ==================== INTRO SECTION ==================== */
.intro-section { padding: 84px 0; background: #fff; }

.intro-grid { display: grid; grid-template-columns: minmax(0, 0.95fr) minmax(360px, 1fr); gap: 60px; align-items: center; }

.intro-text .section-label { margin-bottom: 8px; }
.intro-text h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; color: var(--dark); line-height: 1.3; margin-bottom: 24px; }
.intro-text p { color: var(--muted); margin-bottom: 16px; font-size: 1rem; }

.intro-panel {
  display: grid;
  gap: 14px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: linear-gradient(180deg, #fff 0%, #f8fbfd 100%);
  box-shadow: var(--shadow-md);
}

.intro-panel-row {
  padding: 22px;
  border-radius: var(--radius-sm);
  background: #fff;
  border: 1px solid #edf2f6;
}

.intro-panel-kicker {
  display: block;
  margin-bottom: 8px;
  color: var(--brand-blue);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
}

.intro-panel-row strong {
  display: block;
  color: var(--dark);
  font-size: 1rem;
  margin-bottom: 6px;
}

.intro-panel-row p {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.7;
}

/* ==================== SERVICES / LOAN CARDS ==================== */
.services-section { padding: 84px 0; background: var(--light-back); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 24px; margin-top: 48px;
}

.service-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 32px 28px;
  transition: var(--transition);
  display: block;
  min-height: 250px;
}

.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: rgba(0,170,229,0.45); }

.service-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(0,170,229,0.1), rgba(0,170,229,0.05));
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}

.service-icon i { font-size: 1.4rem; color: var(--brand-blue); }
.service-card h3 { font-size: 1.15rem; font-weight: 600; color: var(--dark); margin-bottom: 12px; }
.service-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.7; }

/* ==================== PROCESS ==================== */
.process-section { padding: 84px 0; background: #fff; }

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: 48px;
}

.process-card {
  position: relative;
  min-height: 245px;
  padding: 28px 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  overflow: hidden;
}

.process-card::after {
  content: '';
  position: absolute;
  left: 24px;
  right: 24px;
  top: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--light), var(--tertiary));
}

.process-number {
  display: block;
  margin-bottom: 34px;
  color: rgba(34,33,89,0.18);
  font-size: 2.2rem;
  font-weight: 700;
  line-height: 1;
}

.process-card h3 {
  color: var(--dark);
  font-size: 1.05rem;
  margin-bottom: 10px;
}

.process-card p {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.7;
}

/* ==================== LENDERS PANEL ==================== */
.lenders-section { padding: 72px 0; background: linear-gradient(135deg, var(--dark) 0%, #0d1b3e 100%); }

.lenders-container { display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.lenders-text h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); color: #fff; line-height: 1.3; }
.highlight { color: var(--light); font-weight: 700; }
.lenders-text p { color: rgba(255,255,255,0.7); margin-top: 12px; max-width: 500px; }

/* ==================== PROMISES ==================== */
.promises-section { padding: 80px 0; background: var(--light-back); }

.promises-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 32px; margin-top: 48px; }

.promise-card {
  background: #fff; border-radius: var(--radius-md); padding: 36px 32px; box-shadow: var(--shadow-sm); transition: var(--transition);
}
.promise-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.promise-icon {
  width: 60px; height: 60px; border-radius: 50%;
  background: linear-gradient(135deg, var(--light), #0095c9);
  display: flex; align-items: center; justify-content: center; margin-bottom: 24px;
}
.promise-icon i { font-size: 1.3rem; color: #fff; }

.promise-card h3 { font-size: 1.2rem; font-weight: 600; color: var(--dark); margin-bottom: 16px; }
.promise-card ul li { display: flex; align-items: flex-start; gap: 10px; padding: 8px 0; font-size: 0.92rem; color: #555; }
.promise-card ul li i { color: var(--brand-blue); margin-top: 4px; flex-shrink: 0; }

/* ==================== TESTIMONIALS ==================== */
.testimonials-section { padding: 80px 0; background: #fff; }
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 24px; margin-top: 48px; }

.testimonial-card {
  background: var(--light-back); border-radius: var(--radius-sm); padding: 32px; position: relative;
  border: 1px solid #e5edf4;
}
.testimonial-card::before { content: '\201C'; font-size: 4rem; color: var(--light); opacity: 0.3; position: absolute; top: 10px; left: 20px; line-height: 1; }

.stars { display: flex; gap: 4px; margin-bottom: 16px; }
.stars i { color: #f5a623; font-size: 0.9rem; }
.testimonial-card p { font-size: 0.95rem; color: #414760; line-height: 1.8; margin-bottom: 20px; position: relative; z-index: 1; }
.testimonial-author { font-weight: 600; color: var(--dark); font-size: 0.9rem; }

/* ==================== TEAM ==================== */
.team-section { padding: 80px 0; background: var(--light-back); }
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 24px; margin-top: 48px; }

.team-card {
  background: #fff; border-radius: var(--radius-md); padding: 32px 20px; text-align: center; box-shadow: var(--shadow-sm); transition: var(--transition);
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.team-card.featured { border: 2px solid var(--light); background: linear-gradient(180deg, rgba(0,170,229,0.03) 0%, #fff 100%); }

.team-avatar {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, var(--dark), #0d1b3e);
  color: #fff; font-size: 1.2rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 16px;
}

.team-card h3 { font-size: 1rem; font-weight: 600; color: var(--dark); margin-bottom: 4px; }
.team-role { font-size: 0.82rem; color: #888; margin-bottom: 16px; }
.team-bio { color: #555; font-size: 0.86rem; line-height: 1.7; }
.team-section .btn { margin-top: 40px; }

/* ==================== AWARDS ==================== */
.awards-section { padding: 60px 0; background: #fff; }
.awards-grid { display: flex; justify-content: center; gap: 48px; margin-top: 40px; flex-wrap: wrap; }

.award-badge { display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center; }
.award-badge i { font-size: 2.5rem; color: var(--light); opacity: 0.7; }
.award-badge span { font-size: 0.85rem; font-weight: 600; color: var(--dark); letter-spacing: 1px; }

/* ==================== FAQ ==================== */
.faq-section { padding: 80px 0; background: var(--light-back); }
.faq-list { max-width: 800px; margin: 48px auto 0; }
.faq-item { border-bottom: 1px solid #e0e5ec; }

.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 20px 0; background: none; border: none; font-family: var(--font-main);
  font-size: 1.05rem; font-weight: 600; color: var(--dark); cursor: pointer; text-align: left; transition: var(--transition);
}
.faq-question:hover { color: var(--brand-blue); }
.faq-question i { font-size: 0.85rem; transition: transform 0.3s ease; flex-shrink: 0; margin-left: 16px; }
.faq-question[aria-expanded="true"] i { transform: rotate(180deg); }

.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; }
.faq-answer.open { max-height: 520px; padding-bottom: 20px; }
.faq-answer p { font-size: 0.95rem; color: #555; line-height: 1.8; }

.content-note {
  border-left: 4px solid var(--light);
  background: var(--light-back);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 20px;
  margin-bottom: 28px !important;
  color: #414760 !important;
  font-size: 0.92rem;
}

.calculator-disclaimer {
  padding-top: 72px;
  padding-bottom: 72px;
  background: #fff;
}

/* ==================== BLOG PREVIEW / LISTING ==================== */
.blog-section { padding: 80px 0; background: #fff; }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 24px; margin-top: 48px; }

.blog-card { border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-sm); transition: var(--transition); display: block; }
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.blog-image { height: 200px; width: 100%; }
.blog-content { padding: 24px; background: #fff; }
.blog-content h3 { font-size: 1.05rem; font-weight: 600; color: var(--dark); margin-bottom: 8px; line-height: 1.4; }
.blog-content p { font-size: 0.88rem; color: #666; margin-bottom: 12px; line-height: 1.7; }

.read-more { font-size: 0.85rem; font-weight: 600; color: var(--brand-blue); }
.read-more i { font-size: 0.75rem; margin-left: 4px; transition: transform 0.3s ease; }
.blog-card:hover .read-more i { transform: translateX(4px); }

/* Blog post page */
.blog-post-container { max-width: 800px; margin: 0 auto; padding: 100px 24px 60px; }
.blog-post-meta { font-size: 0.85rem; color: #888; margin-bottom: 24px; display: flex; gap: 16px; align-items: center; }
.blog-post-title { font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 700; color: var(--dark); line-height: 1.3; margin-bottom: 24px; }
.blog-post-body h2 { font-size: 1.5rem; font-weight: 600; color: var(--dark); margin: 32px 0 16px; }
.blog-post-body h3 { font-size: 1.2rem; font-weight: 600; color: var(--dark); margin: 24px 0 12px; }
.blog-post-body p { color: #444; line-height: 1.9; margin-bottom: 16px; }
.blog-post-body ul, .blog-post-body ol { padding-left: 24px; margin-bottom: 16px; }
.blog-post-body li { color: #444; line-height: 1.8; margin-bottom: 8px; }
.blog-post-body blockquote { border-left: 4px solid var(--light); padding: 16px 24px; background: var(--light-back); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 24px 0; font-style: italic; color: #555; }

/* ==================== CONTACT ==================== */
.contact-section { padding: 80px 0; background: var(--light-back); }
.contact-container { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: start; }

.contact-info .section-label { margin-bottom: 8px; }
.contact-info h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; color: var(--dark); line-height: 1.3; margin-bottom: 16px; }
.contact-info > p { color: #555; margin-bottom: 32px; }

.contact-details { display: flex; flex-direction: column; gap: 24px; margin-bottom: 32px; }
.contact-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-item i { width: 44px; height: 44px; background: linear-gradient(135deg, var(--light), #0095c9); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; font-size: 1rem; flex-shrink: 0; }
.contact-item strong { display: block; font-size: 0.9rem; color: var(--dark); margin-bottom: 2px; }
.contact-item a, .contact-item span { font-size: 0.9rem; color: #555; }

.phone-cta { display: inline-flex; }

/* Contact form */
.contact-form-wrapper { background: #fff; border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.form-group { margin-bottom: 20px; }
.form-group.full-width { grid-column: 1 / -1; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--dark); margin-bottom: 6px; }

.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid #e0e5ec; border-radius: var(--radius-sm);
  font-family: var(--font-main); font-size: 0.9rem; color: var(--dark); transition: var(--transition); background: #fff;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--brand-blue); box-shadow: 0 0 0 3px rgba(0,170,229,0.15); }
.form-group input:focus:not(:focus-visible), .form-group select:focus:not(:focus-visible), .form-group textarea:focus:not(:focus-visible) { outline: none; }
.form-group input:focus-visible, .form-group select:focus-visible, .form-group textarea:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 2px; }
.form-group input.error, .form-group textarea.error { border-color: #e74c3c; }
.error-msg { display: block; font-size: 0.8rem; color: #e74c3c; margin-top: 4px; min-height: 18px; }
.form-honeypot {
  position: absolute;
  left: -9999px;
  opacity: 0;
  pointer-events: none;
}
.form-status {
  display: none;
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  margin: 2px 0 16px;
  font-size: 0.88rem;
  line-height: 1.6;
}
.form-status.info,
.form-status.success,
.form-status.error {
  display: block;
}
.form-status.info {
  background: rgba(0,170,229,0.1);
  color: #075b78;
}
.form-status.success {
  background: rgba(39,174,96,0.12);
  color: #17643b;
}
.form-status.error {
  background: rgba(231,76,60,0.1);
  color: #a93226;
}
.form-note { text-align: center; font-size: 0.8rem; color: #999; margin-top: 16px; }
.form-note a { color: var(--brand-blue); text-decoration: underline; }

/* ==================== CALCULATOR PAGE ==================== */
.calculator-page { padding-top: 72px; background: var(--light-back); min-height: 100vh; }
.calculator-wrapper { max-width: 960px; margin: 40px auto; padding: 0 24px; }

.calc-tabs { display: flex; gap: 8px; margin-bottom: 24px; background: #fff; border-radius: var(--radius-md); padding: 6px; box-shadow: var(--shadow-sm); }
.calc-tab-btn {
  flex: 1; padding: 12px 20px; border: none; background: transparent; font-family: var(--font-main);
  font-size: 0.9rem; font-weight: 600; color: #888; cursor: pointer; border-radius: var(--radius-sm); transition: var(--transition); text-align: center;
}
.calc-tab-btn.active { background: var(--brand-blue); color: #fff; }

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.calc-card {
  background: #fff; border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-md); margin-bottom: 24px;
}

.calc-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.calc-grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; }

.calc-field label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--dark); margin-bottom: 6px; }
.calc-field input, .calc-field select { width: 100%; padding: 10px 14px; border: 1.5px solid #e0e5ec; border-radius: var(--radius-sm); font-family: var(--font-main); font-size: 0.9rem; }
.calc-field input:focus, .calc-field select:focus { border-color: var(--brand-blue); box-shadow: 0 0 0 3px rgba(0,170,229,0.15); }
.calc-field input:focus:not(:focus-visible), .calc-field select:focus:not(:focus-visible) { outline: none; }
.calc-field input:focus-visible, .calc-field select:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 2px; }

.calc-result-box { background: linear-gradient(135deg, var(--dark), #0d1b3e); border-radius: var(--radius-md); padding: 24px; color: #fff; text-align: center; margin-top: 20px; }
.calc-result-value { font-size: 2rem; font-weight: 700; color: var(--light); }
.calc-result-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-top: 4px; }

/* ==================== ABOUT PAGE ==================== */
.about-hero-content h1 { margin-bottom: 20px; }
.about-values-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 24px; margin-top: 48px; }

.value-card { background: #fff; border-radius: var(--radius-md); padding: 32px; box-shadow: var(--shadow-sm); text-align: center; transition: var(--transition); }
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.value-icon { width: 64px; height: 64px; border-radius: 50%; background: linear-gradient(135deg, rgba(0,170,229,0.1), rgba(0,170,229,0.05)); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.value-icon i { font-size: 1.5rem; color: var(--brand-blue); }
.value-card h3 { font-size: 1.1rem; font-weight: 600; color: var(--dark); margin-bottom: 12px; }
.value-card p { font-size: 0.9rem; color: #666; line-height: 1.7; }

/* ==================== FOOTER ==================== */
.footer { background: #171647; color: rgba(255,255,255,0.72); }

.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 48px; padding: 64px 0 48px; }
.footer-col p { font-size: 0.9rem; line-height: 1.7; margin-top: 16px; }
.footer-col h4 { color: #fff; font-size: 1rem; font-weight: 600; margin-bottom: 20px; }

.footer-col ul li { padding: 5px 0; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.6); }
.footer-col ul li a:hover { color: var(--light); }

.footer-contact li { display: flex; align-items: center; gap: 10px; padding: 6px 0 !important; }
.footer-contact i { color: var(--light); font-size: 0.85rem; width: 16px; }

.footer-socials { display: flex; gap: 12px; margin-top: 24px; }
.footer-socials a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: #fff; font-size: 0.9rem; }
.footer-socials a:hover { background: var(--light); transform: translateY(-2px); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 24px 0; }
.footer-bottom-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; }
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--light); }

.footer-disclaimer { background: #111039; padding: 24px 0; }
.footer-disclaimer p { font-size: 0.78rem; color: rgba(255,255,255,0.35); line-height: 1.7; }

/* ==================== BACK TO TOP ==================== */
.back-to-top {
  position: fixed; bottom: 30px; right: 30px; width: 46px; height: 46px;
  background: var(--brand-blue); color: #fff; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; font-size: 1rem;
  box-shadow: var(--shadow-md); opacity: 0; visibility: hidden; transform: translateY(20px); transition: var(--transition); z-index: 999;
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--brand-blue-hover); transform: translateY(-3px); }

/* ==================== CONTENT SECTIONS (loan pages) ==================== */
.content-section { padding: 60px 0; background: #fff; }
.page-section--alt { background: var(--light-back); }
.content-narrow { max-width: 800px; margin: 0 auto; }

.info-card-grid { display: grid; grid-template-columns: 1fr; gap: 24px; }

.info-card {
  background: var(--light-back);
  border-radius: var(--radius-md);
  padding: 28px;
}
.info-card h3 { font-size: 1.15rem; font-weight: 600; color: var(--dark); margin-bottom: 12px; }
.info-card h3 i { color: var(--brand-blue); margin-right: 8px; }
.info-card p { color: #555; line-height: 1.7; }
.info-card ul { padding-left: 20px; list-style: disc; }
.info-card ul li { color: #555; line-height: 1.7; margin-bottom: 6px; }

.section-cta { text-align: center; margin-top: 48px; }

/* ==================== SCROLL REVEAL (JS-gated) ==================== */
/* Content is visible by default; hiding only applies once main.js adds
   html.reveal-ready, so no-JS visitors always see everything. */
html.reveal-ready [data-reveal],
html.reveal-ready [data-reveal-group] > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease-out, transform 0.5s ease-out;
}

html.reveal-ready [data-reveal].is-visible,
html.reveal-ready [data-reveal-group] > .is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ==================== REDUCED MOTION ==================== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }

  html.reveal-ready [data-reveal],
  html.reveal-ready [data-reveal-group] > * {
    opacity: 1;
    transform: none;
    transition: none;
  }

  /* Neutralise hover lifts, entrance effects and other animated flourish */
  *, *::before, *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

/* ==================== RESPONSIVE — TABLET (max-width: 1024px) ==================== */
@media (max-width: 1024px) {
  .intro-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-container { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 36px; }
  .lenders-container { flex-direction: column; text-align: center; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-bg::after { opacity: 0.42; right: -110px; width: 430px; }
}

/* ==================== RESPONSIVE — MOBILE (max-width: 768px) ==================== */
@media (max-width: 768px) {
  /* Header */
  .header-inner { height: 64px; }

  .nav-menu { display: none; }

  .nav.open .nav-menu {
    display: flex; flex-direction: column; position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
    background: #fff; padding: 32px 24px; gap: 0; overflow-y: auto; z-index: 999;
  }

  .nav.open .nav-item > a, .nav.open .nav-dropdown-btn {
    display: flex; justify-content: space-between; padding: 16px 0; font-size: 1.05rem; border-bottom: 1px solid #eee;
  }

  .nav.open .dropdown-menu {
    position: static; transform: none; box-shadow: none; background: var(--light-back); border-radius: var(--radius-sm); padding: 4px; display: none;
  }

  .nav.open .nav-item.dropdown-open .dropdown-menu { display: block; }

  .nav.open .nav-cta-mobile { margin-top: 16px; text-align: center !important; display: block !important; }

  .hamburger { display: flex; }
  body.nav-open { overflow: hidden; }

  /* Hero */
  .hero { padding-top: 64px; min-height: auto; }
  .hero-bg::after { display: none; }
  .hero-content { padding: 62px 0 78px; }
  .hero-title { font-size: 2.15rem; line-height: 1.12; }
  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { width: 100%; }
  .hero-proof { align-items: flex-start; flex-direction: column; gap: 10px; }

  /* Sections */
  .services-section, .promises-section, .testimonials-section, .team-section,
  .awards-section, .faq-section, .blog-section, .contact-section, .intro-section,
  .calculator-page { padding-top: 64px; }

  .services-grid { grid-template-columns: 1fr; }
  .intro-panel { padding: 12px; }
  .promises-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .process-card { min-height: auto; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .blog-grid { grid-template-columns: 1fr; }

  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrapper { padding: 24px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 32px; padding: 48px 0 32px; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; flex-wrap: wrap; gap: 12px 20px; }

  /* Calculator */
  .calc-grid-2, .calc-grid-3 { grid-template-columns: 1fr; }
  .calculator-wrapper { margin-top: 24px; }

  /* Back to top */
  .back-to-top { bottom: 20px; right: 20px; width: 40px; height: 40px; }

  .page-hero { min-height: 300px; }
}

/* ==================== RESPONSIVE — SMALL MOBILE (max-width: 480px) ==================== */
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .btn { width: 100%; padding-left: 18px; padding-right: 18px; }
  .stats-grid { grid-template-columns: 1fr; gap: 12px; }
  .team-grid { grid-template-columns: 1fr; }
  .awards-grid { flex-direction: column; align-items: center; }
}

/* ==================== LANGUAGE TOGGLE ==================== */
.lang-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 6px 14px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--dark);
  transition: var(--transition);
}
.lang-toggle:hover { border-color: var(--brand-blue); color: var(--brand-blue); background: var(--light-back); }

@media (max-width: 480px) {
  /* Placeholder number crowds the bar once the language toggle is present */
  .header-phone { display: none; }
}

/* ==================== CHINESE (zh-CN) TYPOGRAPHY ==================== */
/* Latin glyphs keep Poppins; CJK falls through to Noto Sans SC.
   Wide uppercase letter-spacing looks broken on CJK, so tighten it,
   and give dense CJK headings more line-height. */
html[lang="zh-CN"] body {
  font-family: 'Poppins', 'Noto Sans SC', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei', -apple-system, BlinkMacSystemFont, sans-serif;
}
html[lang="zh-CN"] .section-label { letter-spacing: 2px; }
html[lang="zh-CN"] .hero-label,
html[lang="zh-CN"] .logo-sub { letter-spacing: 1.5px; }
html[lang="zh-CN"] .intro-panel-kicker { letter-spacing: 1px; }
html[lang="zh-CN"] .hero-title { line-height: 1.28; letter-spacing: 0.5px; }
html[lang="zh-CN"] h1, html[lang="zh-CN"] h2, html[lang="zh-CN"] h3, html[lang="zh-CN"] h4 { line-height: 1.45; }
html[lang="zh-CN"] .page-hero h1 { line-height: 1.35; }
html[lang="zh-CN"] .btn { letter-spacing: 0.5px; }