/*
Theme Name: ACK Sacco
Theme URI: https://ackimanitalentsacco.com
Author: Joe Kuria
Author URI: https://joekphotography.co.ke
Description: Ultra-modern WordPress theme for ACK Imani Talent NWDT SACCO
Version: 2.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 8.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: ack-sacco
Tags: financial, sacco, modern, responsive, purple, green
*/

/* ============================================================
   DESIGN TOKENS
   ============================================================ */
:root {
  /* Brand — exact ACK Imani Talent SACCO logo colors */
  --purple-950: #1a0317;
  --purple-900: #320628;
  --purple-800: #560e44;
  --purple-700: #7b1a6c;
  --purple-600: #a2238e;
  --purple-500: #be3eaa;
  --purple-400: #d366c0;
  --purple-300: #e494d6;
  --purple-200: #f0bee8;
  --purple-100: #f8dcf4;
  --purple-50:  #fdf0fb;

  --green-950: #001a0d;
  --green-900: #003318;
  --green-700: #006b30;
  --green-600: #018a40;
  --green-500: #03a250;
  --green-400: #02cc5e;
  --green-300: #33e07e;
  --green-100: #b3f5d0;
  --green-50:  #e6fff2;

  --amber-500: #f59e0b;
  --amber-400: #fbbf24;

  --ink:       #09090b;
  --ink-2:     #18181b;
  --ink-3:     #27272a;
  --fg:        #09090b;
  --muted-fg:  #71717a;
  --muted-bg:  #f4f4f5;
  --border:    #e4e4e7;
  --white:     #ffffff;

  /* Gradients */
  --brand:       #a2238e;   /* Exact logo purple — hands & border */
  --brand-green: #03a250;   /* Exact logo green — text & dove    */
  --grad-brand:  #a2238e;   /* Solid — no blend, exact logo color */
  --grad-dark:   linear-gradient(160deg, var(--purple-950) 0%, var(--purple-900) 55%, #001a0d 100%);
  --grad-glow:   radial-gradient(ellipse 80% 60% at 50% -20%, rgba(162,35,142,0.35) 0%, transparent 70%);
  --grad-green:  var(--brand-green);
  --grad-subtle: linear-gradient(135deg, var(--purple-50), var(--green-50));

  /* Shadows */
  --shadow-xs:     0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:     0 2px 8px rgba(162,35,142,.08), 0 1px 3px rgba(0,0,0,.06);
  --shadow-md:     0 4px 20px rgba(162,35,142,.12), 0 2px 8px rgba(0,0,0,.07);
  --shadow-lg:     0 8px 40px rgba(162,35,142,.18), 0 4px 16px rgba(0,0,0,.08);
  --shadow-xl:     0 16px 60px rgba(162,35,142,.22), 0 8px 24px rgba(0,0,0,.10);
  --shadow-2xl:    0 24px 80px rgba(162,35,142,.28), 0 12px 32px rgba(0,0,0,.12);
  --shadow-purple: 0 8px 32px rgba(162,35,142,.35);
  --glow-purple:   0 0 40px rgba(162,35,142,.45), 0 0 80px rgba(162,35,142,.2);
  --glow-green:    0 0 30px rgba(1,166,77,.35);

  /* Radii */
  --r-sm:   6px;
  --r-md:   12px;
  --r-lg:   18px;
  --r-xl:   24px;
  --r-2xl:  32px;
  --r-3xl:  48px;
  --r-full: 9999px;

  /* Motion */
  --ease:        cubic-bezier(0.4, 0, 0.2, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --ease-out:    cubic-bezier(0, 0, 0.2, 1);
  --t-fast:   0.15s var(--ease);
  --t-base:   0.3s var(--ease);
  --t-slow:   0.5s var(--ease);
  --t-spring: 0.5s var(--ease-spring);

  /* Layout */
  --nav-h:   76px;
  --max-w:   1320px;
  --pad-x:   clamp(1.25rem, 5vw, 2.5rem);
}

/* ============================================================
   RESET
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--ink-3);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img, video { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.025em;
  color: var(--ink);
}
h1 { font-size: clamp(2.5rem, 6vw, 5rem); font-weight: 800; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); }
h3 { font-size: clamp(1.35rem, 2.5vw, 1.9rem); }
h4 { font-size: clamp(1.1rem, 1.8vw, 1.35rem); font-weight: 600; }

p { line-height: 1.75; color: var(--muted-fg); }

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */
.wrap {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad-x);
}
.section { padding: clamp(5rem, 10vw, 8rem) 0; }
.section-sm { padding: clamp(3rem, 6vw, 5rem) 0; }
.tc { text-align: center; }
.flex { display: flex; }
.grid { display: grid; }

/* ============================================================
   PILL / BADGE
   ============================================================ */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: .35rem 1rem;
  border-radius: var(--r-full);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.pill-purple {
  background: var(--purple-100);
  color: var(--purple-700);
  border: 1px solid var(--purple-200);
}
.pill-green {
  background: var(--green-100);
  color: var(--green-700);
  border: 1px solid var(--green-300);
}
.pill-dark {
  background: rgba(255,255,255,.1);
  color: rgba(255,255,255,.8);
  border: 1px solid rgba(255,255,255,.15);
}
.pill-dot::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: currentColor;
  display: inline-block;
  animation: blink 2s ease-in-out infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.3} }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .8rem 1.75rem;
  border-radius: var(--r-full);
  font-weight: 600;
  font-size: .9rem;
  transition: var(--t-base);
  border: 2px solid transparent;
  white-space: nowrap;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.btn::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0);
  transition: var(--t-fast);
}
.btn:hover::before { background: rgba(255,255,255,.08); }

.btn-brand {
  background: var(--brand);
  color: var(--white);
  border-color: var(--brand);
  box-shadow: 0 4px 18px rgba(162,35,142,.35);
}
.btn-brand:hover {
  background: var(--purple-700);
  border-color: var(--purple-700);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(162,35,142,.5);
}
.btn-brand:active { transform: translateY(0); }

.btn-glass {
  background: rgba(255,255,255,.1);
  color: var(--white);
  border-color: rgba(255,255,255,.2);
  backdrop-filter: blur(10px);
}
.btn-glass:hover {
  background: rgba(255,255,255,.18);
  border-color: rgba(255,255,255,.35);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--purple-700);
  border-color: var(--purple-200);
}
.btn-outline:hover {
  background: var(--purple-50);
  border-color: var(--purple-500);
  transform: translateY(-2px);
}

.btn-ghost {
  background: var(--muted-bg);
  color: var(--ink-3);
  border-color: var(--border);
}
.btn-ghost:hover {
  background: var(--purple-50);
  border-color: var(--purple-300);
  color: var(--purple-700);
  transform: translateY(-2px);
}

.btn-white {
  background: var(--white);
  color: var(--purple-700);
  box-shadow: var(--shadow-md);
}
.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.btn-green {
  background: var(--brand-green);
  color: var(--white);
  border-color: var(--brand-green);
  box-shadow: 0 4px 18px rgba(1,166,77,.3);
}
.btn-green:hover {
  background: var(--green-700);
  border-color: var(--green-700);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(1,166,77,.45);
}

.btn-lg { padding: 1rem 2.25rem; font-size: 1rem; }
.btn-sm { padding: .55rem 1.25rem; font-size: .8rem; }
.btn-xs { padding: .4rem 1rem; font-size: .75rem; }

/* ============================================================
   SECTION HEADER
   ============================================================ */
.sh { margin-bottom: 4rem; }
.sh .pill { margin-bottom: 1rem; }
.sh h2 { margin-bottom: 1rem; }
.sh p { font-size: 1.1rem; max-width: 600px; }
.sh.tc p { margin: 0 auto; }
.sh .eyebrow {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--purple-600);
  margin-bottom: .75rem;
  display: block;
}

/* Brand accent text */
.grad-text {
  color: var(--brand);
  -webkit-text-fill-color: var(--brand);
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  height: var(--nav-h);
  transition: var(--t-base);
}
.site-header.at-top {
  background: linear-gradient(to bottom, rgba(9,9,11,.72) 0%, rgba(9,9,11,.35) 70%, transparent 100%);
}
.site-header.scrolled {
  background: rgba(255,255,255,.88);
  backdrop-filter: blur(24px) saturate(180%);
  -webkit-backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid rgba(0,0,0,.06);
  box-shadow: 0 2px 20px rgba(0,0,0,.07);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-h);
  gap: 1.5rem;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: .75rem;
  flex-shrink: 0;
}
.logo-mark {
  width: 44px; height: 44px;
  background: var(--grad-brand);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: .85rem;
  color: var(--white);
  letter-spacing: -.02em;
  box-shadow: 0 4px 16px rgba(162,35,142,.4);
  flex-shrink: 0;
}
.logo-text { line-height: 1.2; }
.logo-name {
  display: block;
  font-size: .95rem;
  font-weight: 800;
  letter-spacing: -.02em;
  transition: var(--t-base);
}
.logo-sub {
  display: block;
  font-size: .6rem;
  font-weight: 500;
  letter-spacing: .06em;
  text-transform: uppercase;
  opacity: .6;
  transition: var(--t-base);
}
.at-top .logo-name { color: var(--white); }
.at-top .logo-sub  { color: rgba(255,255,255,.65); }
.scrolled .logo-name { color: var(--ink); }
.scrolled .logo-sub  { color: var(--muted-fg); }

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: .25rem;
}
.nav-item { position: relative; }
.nav-a {
  display: flex;
  align-items: center;
  gap: .3rem;
  padding: .5rem .9rem;
  border-radius: var(--r-md);
  font-size: .875rem;
  font-weight: 500;
  transition: var(--t-fast);
  white-space: nowrap;
}
.nav-a svg { width: 13px; height: 13px; transition: transform .25s var(--ease); flex-shrink: 0; }
.nav-item:hover .nav-a svg { transform: rotate(180deg); }

.at-top .nav-a { color: rgba(255,255,255,.82); }
.at-top .nav-a:hover { color: var(--white); background: rgba(255,255,255,.12); }
.scrolled .nav-a { color: var(--ink-3); }
.scrolled .nav-a:hover { color: var(--purple-700); background: var(--purple-50); }

/* Mega dropdown */
.nav-drop {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-2xl);
  border: 1px solid var(--border);
  padding: .75rem;
  padding-top: 1.25rem;  /* bridge gap */
  min-width: 230px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .2s var(--ease), transform .25s var(--ease), visibility .2s;
  z-index: 200;
}
/* Invisible bridge so mouse can travel from trigger to dropdown */
.nav-drop::before {
  content: '';
  position: absolute;
  top: -0.75rem;
  left: 0;
  right: 0;
  height: 0.75rem;
}
.nav-item:hover .nav-drop,
.nav-item.drop-open .nav-drop {
  opacity: 1;
  visibility: visible;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}
.drop-item {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: .65rem .9rem;
  border-radius: var(--r-md);
  font-size: .85rem;
  font-weight: 500;
  color: var(--ink-3);
  transition: var(--t-fast);
}
.drop-item:hover { background: var(--purple-50); color: var(--purple-700); }
.drop-icon {
  width: 32px; height: 32px;
  background: var(--purple-50);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
  transition: var(--t-fast);
}
.drop-item:hover .drop-icon { background: var(--purple-100); }

/* Nav CTA */
.nav-cta { display: flex; align-items: center; gap: .6rem; }
.nav-phone {
  display: flex;
  align-items: center;
  gap: .4rem;
  font-size: .8rem;
  font-weight: 600;
  white-space: nowrap;
  transition: var(--t-fast);
  padding: .35rem .6rem;
  border-radius: var(--r-md);
}
.at-top .nav-phone { color: rgba(255,255,255,.8); }
.at-top .nav-phone:hover { color: var(--white); background: rgba(255,255,255,.1); }
.scrolled .nav-phone { color: var(--brand); }
.scrolled .nav-phone:hover { background: var(--purple-50); }
.nav-phone-icon { display: flex; align-items: center; }
@media (max-width: 1100px) { .nav-phone-num { display: none; } }
@media (max-width: 1024px) { .nav-phone { display: none; } }
.at-top .nav-cta .btn-outline {
  color: rgba(255,255,255,.85);
  border-color: rgba(255,255,255,.25);
  background: rgba(255,255,255,.08);
}
.at-top .nav-cta .btn-outline:hover {
  background: rgba(255,255,255,.18);
  border-color: rgba(255,255,255,.4);
  color: var(--white);
}

/* Hamburger */
.hbg {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--r-md);
}
.hbg span {
  display: block; width: 22px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--t-base);
}
.scrolled .hbg span { background: var(--ink); }
.hbg.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hbg.open span:nth-child(2) { opacity: 0; }
.hbg.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile drawer */
.mob-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 10001;
  background: var(--purple-950);
  padding: 5.5rem 1.5rem 2rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform .4s cubic-bezier(0.4,0,0.2,1);
}
.mob-nav.open { transform: translateX(0); }
.mob-close {
  position: absolute;
  top: 1.25rem; right: 1.25rem;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
  transition: var(--t-fast);
}
.mob-close:hover { background: rgba(255,255,255,.2); }
.mob-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
  color: rgba(255,255,255,.75);
  font-size: 1.05rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,.07);
  transition: var(--t-fast);
}
.mob-link:hover { color: var(--white); }
.mob-sub { padding-left: 1rem; }
.mob-sub a {
  display: block;
  padding: .6rem 0;
  color: rgba(255,255,255,.45);
  font-size: .875rem;
  transition: var(--t-fast);
}
.mob-sub a:hover { color: var(--purple-300); }
.mob-footer { margin-top: 2rem; display: flex; flex-direction: column; gap: .75rem; }
.mob-accordion { border-bottom: 1px solid rgba(255,255,255,.07); }
.mob-accordion .mob-link { border-bottom: none; width: 100%; background: none; text-align: left; }
.mob-acc-arrow { transition: transform .25s var(--ease); flex-shrink: 0; }
.mob-accordion.open .mob-acc-arrow { transform: rotate(180deg); }
.mob-acc-panel { padding-left: 1rem; padding-bottom: .5rem; }
.mob-acc-panel a { display: block; padding: .55rem 0; color: rgba(255,255,255,.5); font-size: .875rem; transition: var(--t-fast); border-bottom: none; }
.mob-acc-panel a:hover { color: var(--white); }

/* ============================================================
   HERO — ULTRA MODERN
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--purple-950);
}

/* Animated mesh gradient background */
.hero-mesh {
  position: absolute;
  inset: 0;
  overflow: hidden;
}
.hero-mesh::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 20% 50%, rgba(162,35,142,.45) 0%, transparent 60%),
    radial-gradient(ellipse 50% 70% at 80% 60%, rgba(22,163,74,.25) 0%, transparent 60%),
    radial-gradient(ellipse 60% 50% at 60% 10%, rgba(139,92,246,.3) 0%, transparent 55%);
}
.hero-mesh::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 80px 80px;
}

/* Floating orbs */
.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  pointer-events: none;
  will-change: transform;
}
.orb-1 {
  width: 700px; height: 700px;
  background: rgba(162,35,142,.35);
  top: -25%; right: -15%;
  animation: drift1 12s ease-in-out infinite;
}
.orb-2 {
  width: 500px; height: 500px;
  background: rgba(34,197,94,.2);
  bottom: -20%; left: -10%;
  animation: drift2 15s ease-in-out infinite;
}
.orb-3 {
  width: 300px; height: 300px;
  background: rgba(168,85,247,.3);
  top: 30%; left: 35%;
  animation: drift3 10s ease-in-out infinite;
}

@keyframes drift1 { 0%,100%{transform:translate(0,0) scale(1)} 33%{transform:translate(-40px,30px) scale(1.05)} 66%{transform:translate(30px,-20px) scale(.95)} }
@keyframes drift2 { 0%,100%{transform:translate(0,0) scale(1)} 50%{transform:translate(30px,-40px) scale(1.08)} }
@keyframes drift3 { 0%,100%{transform:translate(0,0)} 33%{transform:translate(20px,30px)} 66%{transform:translate(-20px,15px)} }

/* Noise overlay */
.hero-noise {
  position: absolute;
  inset: 0;
  opacity: .04;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  background-size: 200px;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
  padding: calc(var(--nav-h) + 4rem) 0 5rem;
  width: 100%;
}

/* Hero left */
.hero-text { max-width: 640px; }

.hero-announce {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  padding: .35rem .9rem .35rem .5rem;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-full);
  font-size: .75rem;
  font-weight: 600;
  color: rgba(255,255,255,.8);
  margin-bottom: 1.75rem;
  backdrop-filter: blur(8px);
  letter-spacing: .03em;
}
.hero-announce .dot {
  width: 6px; height: 6px;
  background: var(--green-500);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--green-500);
  animation: blink 2s ease-in-out infinite;
}
.hero-announce .tag {
  background: rgba(162,35,142,.5);
  color: var(--purple-200);
  padding: .15rem .6rem;
  border-radius: var(--r-full);
  font-size: .7rem;
}

.hero-h1 {
  font-size: clamp(2.75rem, 6.5vw, 5.25rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -.04em;
  color: var(--white);
  margin-bottom: 1.5rem;
}
.hero-h1 .accent {
  color: var(--brand-green);
  -webkit-text-fill-color: var(--brand-green);
}

.hero-desc {
  font-size: 1.125rem;
  color: rgba(255,255,255,.6);
  line-height: 1.75;
  margin-bottom: 2.25rem;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: .9rem;
  flex-wrap: wrap;
  margin-bottom: 3.5rem;
}

.hero-social-proof {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}
.avatar-stack {
  display: flex;
}
.avatar-stack span {
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 2px solid var(--purple-950);
  background: var(--grad-brand);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  font-weight: 700;
  color: var(--white);
  margin-left: -10px;
}
.avatar-stack span:first-child { margin-left: 0; }
.proof-text { font-size: .82rem; color: rgba(255,255,255,.55); }
.proof-text strong { color: rgba(255,255,255,.85); }

/* Hero right — Bento cards */
.hero-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto auto;
  gap: 1rem;
}

.hc { /* hero card */
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-2xl);
  padding: 1.5rem;
  backdrop-filter: blur(16px);
  transition: var(--t-base);
  overflow: hidden;
  position: relative;
}
.hc:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.2);
  transform: translateY(-4px);
}
.hc::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(135deg, rgba(255,255,255,.05) 0%, transparent 60%);
  pointer-events: none;
}

.hc-wide { grid-column: 1 / -1; }
.hc-tall { grid-row: span 2; }

.hc-label {
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: .6rem;
}
.hc-num {
  font-size: 2.25rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  letter-spacing: -.04em;
}
.hc-num-sm { font-size: 1.5rem; }
.hc-sub {
  font-size: .75rem;
  color: rgba(255,255,255,.45);
  margin-top: .3rem;
}
.hc-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 1rem;
}
.hc-icon.green { background: rgba(74,222,128,.15); }
.hc-icon.purple { background: rgba(168,85,247,.2); }

/* Loan mini-list in hero */
.hc-list { display: flex; flex-direction: column; gap: .5rem; margin-top: .75rem; }
.hc-list-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: .55rem .8rem;
  background: rgba(255,255,255,.05);
  border-radius: var(--r-md);
}
.hc-list-item .n { font-size: .8rem; color: rgba(255,255,255,.75); font-weight: 500; }
.hc-list-item .v { font-size: .75rem; color: var(--green-400); font-weight: 600; }

/* Rate pill on hero card */
.hc-rate {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .3rem .75rem;
  background: rgba(34,197,94,.15);
  border: 1px solid rgba(34,197,94,.25);
  border-radius: var(--r-full);
  font-size: .72rem;
  font-weight: 700;
  color: var(--green-400);
  margin-top: .5rem;
}
.hc-rate::before { content: '●'; font-size: .5rem; }

/* Progress bar in hero card */
.hc-bar {
  height: 6px;
  background: rgba(255,255,255,.08);
  border-radius: var(--r-full);
  margin-top: .75rem;
  overflow: hidden;
}
.hc-bar-fill {
  height: 100%;
  border-radius: var(--r-full);
  background: var(--grad-brand);
  animation: fillBar 2.5s var(--ease) forwards;
}
@keyframes fillBar { from{width:0} }

/* ============================================================
   HERO SLIDER
   ============================================================ */
.hero-slider {
  position: relative;
  overflow: hidden;
  height: 92vh;
  min-height: 580px;
  max-height: 920px;
  background: var(--purple-950);
}
.hs-track { position: relative; width: 100%; height: 100%; }

.hs-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1s ease;
  pointer-events: none;
}
.hs-slide.active { opacity: 1; pointer-events: auto; }

.hs-img-wrap { position: absolute; inset: 0; z-index: 0; }
.hs-img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 30%;
  transform: scale(1.06);
  transition: transform 9s ease;
}
.hs-slide.active .hs-img { transform: scale(1); }

.hs-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(
    to right,
    rgba(10,2,9,.72) 0%,
    rgba(10,2,9,.45) 55%,
    rgba(10,2,9,.18) 100%
  );
}

.hs-content-wrap {
  position: absolute;
  inset: 0;
  z-index: 2;
  display: flex;
  align-items: center;
  padding-top: calc(var(--nav-h) + 2rem);
  padding-bottom: 130px;
}

.hs-content { max-width: 680px; }

.hs-pill-wrap {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-full);
  padding: .35rem .9rem .35rem .55rem;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
  animation: hsFadeUp .6s ease forwards;
  opacity: 0;
}
.hs-slide.active .hs-pill-wrap { animation: hsFadeUp .6s ease forwards; }
.hs-live-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--green-400);
  box-shadow: 0 0 8px var(--green-400);
  animation: blink 2s ease-in-out infinite;
  flex-shrink: 0;
}
.hs-pill-text {
  font-size: .72rem; font-weight: 700; letter-spacing: .04em;
  color: rgba(255,255,255,.85); text-transform: uppercase;
}

.hs-h1 {
  font-size: clamp(2.2rem, 5.5vw, 4rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -.03em;
  color: #fff;
  margin: 0 0 1.25rem;
  opacity: 0;
  animation: hsFadeUp .7s .1s ease forwards;
}
.hs-slide.active .hs-h1 { animation: hsFadeUp .7s .1s ease forwards; }

.hs-accent {
  color: var(--brand-green);
  -webkit-text-fill-color: var(--brand-green);
}

.hs-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.68);
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 2rem;
  opacity: 0;
  animation: hsFadeUp .7s .2s ease forwards;
}
.hs-slide.active .hs-sub { animation: hsFadeUp .7s .2s ease forwards; }

.hs-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  opacity: 0;
  animation: hsFadeUp .7s .3s ease forwards;
}
.hs-slide.active .hs-actions { animation: hsFadeUp .7s .3s ease forwards; }

/* Arrows */
.hs-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(calc(-50% - 50px));
  z-index: 10;
  width: 52px; height: 52px;
  border-radius: 50%;
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.2);
  color: #fff;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--t-base);
}
.hs-arrow:hover { background: rgba(162,35,142,.65); border-color: var(--purple-500); }
.hs-prev { left: 1.5rem; }
.hs-next { right: 1.5rem; }

/* Dots */
.hs-dots {
  position: absolute;
  bottom: 80px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: .55rem;
  align-items: center;
}
.hs-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,.35);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: all .3s ease;
}
.hs-dot.active { background: #fff; width: 26px; border-radius: 4px; }

/* Progress line */
.hs-progress {
  position: absolute;
  bottom: 70px;
  left: 0; right: 0;
  z-index: 10;
  height: 2px;
  background: rgba(255,255,255,.12);
}
.hs-progress-fill { height: 100%; background: var(--grad-brand); width: 0%; }

/* Stats bar — removed; CSS kept as stub */
.hs-stats-bar {
  display: none;
  background: rgba(9,9,11,.55);
  backdrop-filter: blur(20px);
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1rem 0;
}
.hs-stats {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: .5rem;
}
.hs-stat {
  display: flex;
  align-items: center;
  gap: .6rem;
  justify-content: center;
  padding: .25rem .5rem;
}
.hs-stat + .hs-stat { border-left: 1px solid rgba(255,255,255,.08); }
.hs-stat-icon { color: var(--purple-400); flex-shrink: 0; }
.hs-stat-num  { font-size: 1rem; font-weight: 800; color: #fff; line-height: 1.1; }
.hs-stat-lbl  { font-size: .62rem; color: rgba(255,255,255,.5); white-space: nowrap; }

@keyframes hsFadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   QUICK ACCESS BAR (NCBA-inspired)
   ============================================================ */
.quick-access-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 0;
  box-shadow: 0 4px 24px rgba(0,0,0,.06);
  position: relative;
  z-index: 5;
}
.qa-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
}
.qa-item {
  display: flex;
  align-items: center;
  gap: .85rem;
  padding: 1.25rem 1.5rem;
  text-decoration: none;
  color: var(--fg);
  border-right: 1px solid var(--border);
  transition: var(--t-base);
  position: relative;
  overflow: hidden;
}
.qa-item:last-child { border-right: none; }
.qa-item::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 0; height: 3px;
  background: var(--grad-brand);
  transition: width .3s ease;
}
.qa-item:hover { background: var(--purple-50); }
.qa-item:hover::after { width: 100%; }
.qa-item:hover .qa-icon { background: var(--grad-brand); color: #fff; }
.qa-icon {
  width: 42px; height: 42px;
  background: var(--purple-50);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--purple-600);
  flex-shrink: 0;
  transition: var(--t-base);
}
.qa-text { flex: 1; min-width: 0; }
.qa-title { font-size: .82rem; font-weight: 700; color: var(--fg); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.qa-sub   { font-size: .68rem; color: var(--muted-fg); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.qa-arrow { color: var(--purple-400); flex-shrink: 0; opacity: 0; transform: translateX(-4px); transition: var(--t-base); }
.qa-item:hover .qa-arrow { opacity: 1; transform: translateX(0); }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--ink-2);
  padding: 1.25rem 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1.5rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .75rem;
}
.trust-icon {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.07);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}
.trust-num { font-size: 1.15rem; font-weight: 800; color: var(--white); line-height: 1; }
.trust-lbl { font-size: .7rem; color: rgba(255,255,255,.4); text-transform: uppercase; letter-spacing: .06em; }

/* ============================================================
   ABOUT — SPLIT LAYOUT
   ============================================================ */
.about-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6rem;
  align-items: center;
}
.about-media {
  position: relative;
}
.about-img-main {
  aspect-ratio: 4/5;
  border-radius: var(--r-3xl);
  overflow: hidden;
  background: var(--grad-dark);
  position: relative;
}
.about-img-main img { width: 100%; height: 100%; object-fit: cover; }
.about-img-main .img-placeholder {
  width: 100%; height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 8rem;
  opacity: .15;
}
/* Floating badge */
.about-badge {
  position: absolute;
  bottom: 2rem;
  right: -1.5rem;
  background: var(--white);
  border-radius: var(--r-2xl);
  padding: 1.25rem 1.75rem;
  box-shadow: var(--shadow-2xl);
  display: flex;
  align-items: center;
  gap: 1rem;
}
.about-badge-icon {
  width: 48px; height: 48px;
  background: var(--grad-brand);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}
.about-badge-num { font-size: 1.75rem; font-weight: 900; color: var(--ink); line-height: 1; }
.about-badge-lbl { font-size: .75rem; color: var(--muted-fg); margin-top: .2rem; }

/* Floating top-left accent */
.about-accent {
  position: absolute;
  top: -1.5rem;
  left: -1.5rem;
  width: 70px; height: 70px;
  background: var(--grad-brand);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  box-shadow: var(--glow-purple);
  border: 4px solid var(--white);
  animation: pulse-ring 3s ease-in-out infinite;
}
@keyframes pulse-ring {
  0%,100%{ box-shadow: var(--glow-purple), 0 0 0 0 rgba(162,35,142,.4); }
  50%{ box-shadow: var(--glow-purple), 0 0 0 12px rgba(162,35,142,0); }
}

/* Values grid */
.values-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
  margin: 2rem 0;
}
.value-chip {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: .85rem 1rem;
  background: var(--purple-50);
  border-radius: var(--r-lg);
  border: 1px solid var(--purple-100);
  transition: var(--t-base);
}
.value-chip:hover {
  background: var(--purple-100);
  border-color: var(--purple-200);
  transform: translateX(4px);
}
.value-chip-icon {
  width: 32px; height: 32px;
  background: var(--grad-brand);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
}
.value-chip-text { font-size: .85rem; font-weight: 600; color: var(--ink); }

/* MVV Tabs */
.mvv { margin-top: 2rem; }
.mvv-tabs {
  display: flex;
  gap: .4rem;
  background: var(--muted-bg);
  padding: .35rem;
  border-radius: var(--r-full);
  width: fit-content;
  margin-bottom: 1.5rem;
}
.mvv-tab {
  padding: .45rem 1.25rem;
  border-radius: var(--r-full);
  font-size: .8rem;
  font-weight: 600;
  color: var(--muted-fg);
  transition: var(--t-base);
  cursor: pointer;
}
.mvv-tab.active {
  background: var(--white);
  color: var(--purple-700);
  box-shadow: var(--shadow-sm);
}
.mvv-panel { display: none; }
.mvv-panel.active { display: block; }
.mvv-panel p { font-size: .95rem; line-height: 1.85; color: var(--ink-3); }

/* ============================================================
   PRODUCTS — BENTO GRID
   ============================================================ */
.products-bg { background: #fafafa; }

.prod-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.prod-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-2xl);
  overflow: hidden;
  transition: var(--t-base);
  display: flex;
  flex-direction: column;
  position: relative;
}
.prod-card:hover {
  border-color: var(--purple-300);
  box-shadow: var(--shadow-xl);
  transform: translateY(-6px);
}
.prod-card:hover .pc-top { opacity: 1; }

.pc-top {
  padding: 1.75rem 1.75rem 1.5rem;
  background: #a2238e;
  position: relative;
  overflow: hidden;
  transition: var(--t-base);
}
.pc-top.grn { background: #03a250; }
.pc-top-blob {
  position: absolute;
  width: 150px; height: 150px;
  border-radius: 50%;
  background: rgba(255,255,255,.04);
  top: -40px; right: -40px;
}
.pc-top-num {
  position: absolute;
  bottom: .75rem; right: 1.25rem;
  font-size: 4.5rem;
  font-weight: 900;
  color: rgba(255,255,255,.05);
  line-height: 1;
  letter-spacing: -.06em;
}
.pc-icon {
  width: 52px; height: 52px;
  background: rgba(255,255,255,.12);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1rem;
  border: 1px solid rgba(255,255,255,.15);
}
.pc-top h3 { color: #ffffff; font-size: 1.1rem; margin-bottom: .4rem; }
.pc-top p  { color: rgba(255,255,255,.8); font-size: .82rem; line-height: 1.55; }

.pc-body {
  padding: 1.5rem 1.75rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.pc-meta {
  display: flex;
  gap: .75rem;
  margin-bottom: 1.25rem;
  flex-wrap: wrap;
}
.pc-badge {
  padding: .3rem .85rem;
  border-radius: var(--r-full);
  font-size: .72rem;
  font-weight: 700;
}
.pc-badge-purple { background: var(--purple-50); color: var(--purple-700); border: 1px solid var(--purple-200); }
.pc-badge-green  { background: var(--green-50);  color: var(--green-700);  border: 1px solid var(--green-300); }

.pc-features { flex: 1; margin-bottom: 1.25rem; }
.pc-feat {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  padding: .5rem 0;
  border-bottom: 1px solid var(--muted-bg);
  font-size: .825rem;
  color: var(--ink-3);
  line-height: 1.45;
}
.pc-feat:last-child { border-bottom: none; }
.pc-check {
  width: 18px; height: 18px;
  background: var(--green-100);
  color: var(--green-700);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .6rem;
  font-weight: 900;
  flex-shrink: 0;
  margin-top: 2px;
}

.pc-footer { display: grid; grid-template-columns: 1fr 1fr; gap: .65rem; margin-top: auto; }

/* ============================================================
   HOW IT WORKS — NUMBERED STEPS
   ============================================================ */
.how-bg {
  background: var(--white);
  position: relative;
  overflow: hidden;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.how-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 55% 70% at -5% 50%, rgba(162,35,142,.06) 0%, transparent 60%),
    radial-gradient(ellipse 45% 60% at 105% 50%, rgba(1,166,77,.05) 0%, transparent 60%);
  pointer-events: none;
}
.how-bg::after { display: none; }

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
  z-index: 1;
}
.steps::before {
  content: '';
  position: absolute;
  top: 2rem;
  left: calc(12.5% + 1.5rem);
  right: calc(12.5% + 1.5rem);
  height: 2px;
  background: linear-gradient(90deg, var(--purple-200), var(--green-100), var(--purple-200));
  z-index: 0;
}

.step { text-align: center; position: relative; z-index: 1; }
.step-num-wrap {
  width: 64px; height: 64px;
  margin: 0 auto 1.5rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.step-num-wrap::before {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  background: var(--brand);
  opacity: 0;
  transition: var(--t-base);
}
.step:hover .step-num-wrap::before { opacity: .12; }

.step-icon-bg {
  width: 64px; height: 64px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
  transition: var(--t-base);
  color: #fff;
}
.step-icon-bg.s1 { background: var(--brand);       box-shadow: 0 6px 20px rgba(162,35,142,.35); }
.step-icon-bg.s2 { background: var(--brand-green);  box-shadow: 0 6px 20px rgba(1,166,77,.3);  }
.step-icon-bg.s3 { background: var(--brand);        box-shadow: 0 6px 20px rgba(162,35,142,.35); }
.step-icon-bg.s4 { background: var(--brand-green);  box-shadow: 0 6px 20px rgba(1,166,77,.3);  }
.step:hover .step-icon-bg { transform: translateY(-4px) scale(1.08); }

.step-counter {
  position: absolute;
  top: -6px; right: -6px;
  width: 22px; height: 22px;
  background: var(--white);
  border-radius: 50%;
  font-size: .65rem;
  font-weight: 900;
  color: var(--brand);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--purple-200);
  box-shadow: var(--shadow-sm);
  z-index: 2;
}

.step h4 { color: var(--fg);       font-size: 1rem;  margin-bottom: .5rem; }
.step p  { color: var(--muted-fg); font-size: .85rem; line-height: 1.65; }

/* ============================================================
   FEATURES — BRIGHT BENTO
   ============================================================ */
.features-dark { background: var(--purple-50); }

.feat-bento {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 1.25rem;
}

.fb { /* feature bento cell */
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-2xl);
  padding: 2rem;
  transition: var(--t-base);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.fb::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--brand);
  border-radius: var(--r-2xl) var(--r-2xl) 0 0;
  opacity: 0;
  transition: var(--t-base);
}
.fb:hover {
  border-color: var(--purple-200);
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}
.fb:hover::before { opacity: 1; }

.fb-span2 { grid-column: span 2; }
.fb-tall  { grid-row: span 2; }

.fb-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: #fff;
}
.fb-icon.pur { background: var(--brand);       box-shadow: 0 4px 14px rgba(162,35,142,.3); }
.fb-icon.grn { background: var(--brand-green);  box-shadow: 0 4px 14px rgba(1,166,77,.25); }
.fb-icon.amb { background: #d97706;             box-shadow: 0 4px 14px rgba(217,119,6,.25); }

.fb h4 { color: var(--fg);       font-size: 1.05rem; margin-bottom: .5rem; }
.fb p  { color: var(--muted-fg); font-size: .85rem;  line-height: 1.7; }

.fb-stat {
  font-size: 3rem;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -.04em;
  color: var(--brand);
  margin-bottom: .4rem;
}
.fb-stat-lbl { font-size: .75rem; color: var(--muted-fg); text-transform: uppercase; letter-spacing: .07em; }

/* List in bento cell */
.fb-list { margin-top: 1rem; display: flex; flex-direction: column; gap: .6rem; }
.fb-list-item {
  display: flex;
  align-items: center;
  gap: .75rem;
  font-size: .85rem;
  color: var(--muted-fg);
}
.fb-list-item::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--brand-green);
  flex-shrink: 0;
}

/* ============================================================
   TESTIMONIALS — MODERN CARDS
   ============================================================ */
.test-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.test-card {
  border-radius: var(--r-2xl);
  padding: 2rem;
  transition: var(--t-base);
  position: relative;
  overflow: hidden;
}
.test-card.light {
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.test-card.dark {
  background: var(--grad-dark);
  border: none;
}
.test-card.purple-light {
  background: var(--purple-50);
  border: 1px solid var(--purple-100);
}

.test-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); }

.test-quote {
  font-size: 3.5rem;
  line-height: .8;
  font-family: Georgia, serif;
  margin-bottom: 1rem;
}
.test-card.light .test-quote   { color: var(--purple-200); }
.test-card.dark .test-quote    { color: rgba(255,255,255,.2); }
.test-card.purple-light .test-quote { color: var(--purple-300); }

.test-text {
  font-size: .9rem;
  line-height: 1.85;
  margin-bottom: 1.75rem;
  font-style: italic;
}
.test-card.light .test-text       { color: var(--ink-3); }
.test-card.dark .test-text        { color: rgba(255,255,255,.7); }
.test-card.purple-light .test-text { color: var(--ink-3); }

.test-stars { display: flex; gap: 2px; margin-bottom: 1rem; }
.test-star { color: var(--amber-400); font-size: .875rem; }

.test-author { display: flex; align-items: center; gap: .85rem; }
.test-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--grad-brand);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .85rem;
  color: var(--white);
  flex-shrink: 0;
  overflow: hidden;
}
.test-avatar img { width: 100%; height: 100%; object-fit: cover; }
.test-name { font-weight: 700; font-size: .875rem; }
.test-card.light .test-name       { color: var(--ink); }
.test-card.dark .test-name        { color: var(--white); }
.test-card.purple-light .test-name { color: var(--ink); }
.test-role { font-size: .75rem; margin-top: .1rem; }
.test-card.light .test-role       { color: var(--muted-fg); }
.test-card.dark .test-role        { color: rgba(255,255,255,.45); }
.test-card.purple-light .test-role { color: var(--purple-600); }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: #a2238e;
  position: relative;
  overflow: hidden;
}
.cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}
.cta-inner h2 { color: var(--white); margin-bottom: 1.25rem; }
.cta-inner p  { color: rgba(255,255,255,.6); font-size: 1.1rem; margin-bottom: 2.5rem; }
.cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.cta-chips {
  display: flex;
  gap: .65rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 2.5rem;
}
.cta-chip {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  padding: .35rem .9rem;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-full);
  font-size: .78rem;
  color: rgba(255,255,255,.65);
  font-weight: 500;
}

/* ============================================================
   NEWS CARDS
   ============================================================ */
.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.news-card {
  background: var(--white);
  border-radius: var(--r-2xl);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  transition: var(--t-base);
  display: flex;
  flex-direction: column;
}
.news-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(107,33,168,.13); border-color: var(--purple-200); }
.news-img {
  height: 210px;
  background: linear-gradient(135deg, #e9d5ff 0%, #bbf7d0 100%);
  position: relative;
  overflow: hidden;
}
.news-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.news-card:hover .news-img img { transform: scale(1.06); }
.news-img-ph {
  width: 100%; height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: var(--purple-400);
  opacity: .7;
}
.news-cat { position: absolute; top: 1rem; left: 1rem; }
.news-body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; background: var(--white); }
.news-date { font-size: .72rem; color: var(--muted-fg); margin-bottom: .6rem; font-weight: 500; text-transform: uppercase; letter-spacing: .05em; }
.news-body h4 { font-size: 1.05rem; line-height: 1.45; margin-bottom: .6rem; color: var(--ink); font-weight: 700; }
.news-body h4 a { color: inherit; text-decoration: none; }
.news-body h4 a:hover { color: var(--purple-700); }
.news-body p  { font-size: .875rem; line-height: 1.75; color: var(--muted-fg); margin-bottom: auto; }
.news-link {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  color: var(--purple-600);
  font-weight: 700;
  font-size: .82rem;
  margin-top: 1.25rem;
  transition: var(--t-fast);
}
.news-link:hover { gap: .6rem; color: var(--purple-700); }

/* Flash card — whole card is the link */
a.flash-card { text-decoration: none; color: inherit; cursor: pointer; }
a.flash-card .news-body h4 { transition: color .2s; }
a.flash-card:hover .news-body h4 { color: var(--purple-700); }
a.flash-card .news-link { margin-top: auto; padding-top: 1rem; }

/* ============================================================
   NEWS SECTION
   ============================================================ */
.news-section { background: #ffffff !important; }

/* ============================================================
   STICKY CTA — RIGHT SIDE PANEL
   ============================================================ */
.sticky-cta {
  position: fixed;
  right: 0;
  bottom: 6rem;
  width: 300px;
  z-index: 9990;
  transform: translateX(calc(100% + 4px));
  transition: transform .45s cubic-bezier(.34,1.56,.64,1);
  pointer-events: none;
  display: flex;
  align-items: stretch;
}
.sticky-cta.visible {
  transform: translateX(0);
  pointer-events: auto;
}
.sticky-cta.hidden { display: none; }

/* Pull tab — always visible, anchored to left of panel */
.sticky-cta-tab {
  writing-mode: vertical-rl;
  text-orientation: mixed;
  background: #a2238e;
  color: #fff;
  font-size: .65rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 1rem .5rem;
  cursor: pointer;
  border-radius: 8px 0 0 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  user-select: none;
  transition: background .2s;
}
.sticky-cta-tab:hover { background: #581c87; }

.sticky-cta-inner {
  background: #fff;
  border-radius: 0 14px 14px 0;
  box-shadow: -4px 0 32px rgba(0,0,0,.14), 0 2px 8px rgba(107,33,168,.1);
  overflow: hidden;
  border: 1.5px solid rgba(107,33,168,.1);
  border-left: none;
  flex: 1;
}
.sticky-cta-header {
  background: #a2238e;
  padding: .65rem 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: .5rem;
}
.sticky-cta-header-label {
  color: #fff;
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.sticky-cta-close {
  background: rgba(255,255,255,.18);
  border: none;
  color: #fff;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 14px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background .2s;
}
.sticky-cta-close:hover { background: rgba(255,255,255,.32); }
.sticky-cta-track { position: relative; overflow: hidden; }
.sticky-cta-slide {
  display: none;
  padding: 1.1rem 1.15rem 1rem;
  animation: scta-in .35s ease;
}
.sticky-cta-slide.active { display: block; }
@keyframes scta-in {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.sticky-cta-icon {
  width: 38px; height: 38px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: .65rem;
  flex-shrink: 0;
}
.sticky-cta-icon.pur { background: #ede9fe; color: #a2238e; }
.sticky-cta-icon.grn { background: #dcfce7; color: #03a250; }
.sticky-cta-slide h5 {
  font-size: .92rem;
  font-weight: 700;
  color: #09090b;
  margin: 0 0 .3rem;
  line-height: 1.3;
}
.sticky-cta-slide p {
  font-size: .76rem;
  color: #52525b;
  line-height: 1.6;
  margin: 0 0 .85rem;
}
.sticky-cta-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .4rem;
  width: 100%;
  padding: .6rem 1rem;
  border-radius: 9px;
  font-size: .8rem;
  font-weight: 700;
  text-decoration: none;
  transition: opacity .2s, transform .15s;
}
.sticky-cta-btn:hover { opacity: .88; transform: translateY(-1px); }
.sticky-cta-btn.pur { background: #a2238e; color: #fff; }
.sticky-cta-btn.grn { background: #03a250; color: #fff; }
.sticky-cta-dots {
  display: flex;
  justify-content: center;
  gap: .35rem;
  padding: .55rem 0 .8rem;
}
.sticky-cta-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #e4e4e7;
  border: none;
  cursor: pointer;
  transition: background .2s, width .2s;
  padding: 0;
}
.sticky-cta-dot.active { background: #a2238e; width: 18px; border-radius: 3px; }

/* ============================================================
   FOOTER — MODERN DARK
   ============================================================ */
.site-footer { background: #03a250; color: var(--white); }
.footer-top {
  padding: 5rem 0 3.5rem;
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.2);
}

.footer-brand .logo { margin-bottom: 1.25rem; }
.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-sub  { color: var(--white); }
.footer-desc { font-size: .875rem; line-height: 1.8; color: var(--white); margin-bottom: 1.75rem; }

.socials { display: flex; gap: .6rem; }
.social-btn {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: .9rem;
  transition: var(--t-base);
}
.social-btn:hover {
  background: rgba(255,255,255,.3);
  border-color: transparent;
  color: var(--white);
  transform: translateY(-3px);
}

.footer-col h5 {
  font-size: .9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--white);
  margin-bottom: 1.25rem;
}
.footer-links { display: flex; flex-direction: column; gap: .65rem; }
.footer-link {
  font-size: 1rem;
  color: var(--white);
  transition: var(--t-fast);
  display: flex;
  align-items: center;
  gap: .4rem;
}
.footer-link:hover { color: var(--white); padding-left: .4rem; opacity: .8; }

.footer-contact { display: flex; flex-direction: column; gap: .85rem; }
.fc-item { display: flex; gap: .85rem; align-items: flex-start; }
.fc-icon {
  width: 32px; height: 32px;
  background: rgba(255,255,255,.2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--white);
}
.fc-lbl { font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; color: var(--white); margin-bottom: .2rem; }
.fc-val { font-size: .95rem; color: var(--white); }
.fc-val a { color: var(--white); transition: var(--t-fast); }
.fc-val a:hover { opacity: .8; }

.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-copy { font-size: .78rem; color: var(--white); }
.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { font-size: .78rem; color: var(--white); transition: var(--t-fast); }
.footer-legal a:hover { opacity: .8; }

/* ============================================================
   PAGE HERO (INNER PAGES)
   ============================================================ */
.page-banner {
  background-color: #ffffff;
  border-bottom: 1px solid #e4e4e7;
  padding: calc(var(--nav-h) + 3rem) 0 3.5rem;
  position: relative;
  overflow: hidden;
}
.page-banner::before { display: none; }
.page-banner::after  { display: none; }

/* Default text colours for banners without a background image */
.page-banner h1,
.page-banner h2 { color: #09090b; }
.page-banner p  { color: #52525b; font-size: 1.05rem; max-width: 620px; margin-top: .75rem; }
.page-banner nav a { color: #71717a; }
.page-banner nav a:hover { color: #a2238e; }

.pb-inner { position: relative; z-index: 1; }
.pb-inner .pill { margin-bottom: 1rem; }
.pb-inner h1 { color: #09090b; }
.pb-inner p  { color: #52525b; font-size: 1.05rem; max-width: 620px; margin-top: .75rem; }

.breadcrumb {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .78rem;
  color: #71717a;
  margin-bottom: 1.5rem;
}
.breadcrumb a { color: #71717a; transition: var(--t-fast); }
.breadcrumb a:hover { color: #a2238e; }
.breadcrumb .sep { opacity: .5; }
.breadcrumb .cur { color: #09090b; font-weight: 600; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.timeline { padding-left: 2.5rem; position: relative; }
.timeline::before {
  content: '';
  position: absolute;
  left: .8rem;
  top: .5rem;
  bottom: .5rem;
  width: 2px;
  background: linear-gradient(180deg, var(--purple-600), var(--green-600));
  border-radius: 2px;
}
.tl-item { position: relative; margin-bottom: 2.25rem; }
.tl-dot {
  position: absolute;
  left: -2.05rem;
  top: .4rem;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--grad-brand);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 3px var(--purple-200);
}
.tl-year {
  font-size: .72rem;
  font-weight: 700;
  color: var(--purple-600);
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: .3rem;
}
.tl-item h4 { margin-bottom: .4rem; font-size: 1rem; }
.tl-item p  { font-size: .875rem; line-height: 1.75; }

.dir-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1.25rem;
}
.dir-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-2xl);
  padding: 2rem 1.5rem;
  text-align: center;
  transition: var(--t-base);
}
.dir-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--purple-200); }
.dir-avatar {
  width: 72px; height: 72px;
  border-radius: 50%;
  margin: 0 auto 1rem;
  background: var(--grad-brand);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--white);
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(162,35,142,.3);
}
.dir-avatar img { width: 100%; height: 100%; object-fit: cover; }
.dir-name { font-size: .95rem; font-weight: 700; color: var(--ink); }
.dir-role { font-size: .78rem; color: var(--purple-600); font-weight: 500; margin-top: .25rem; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 4rem;
  align-items: start;
}
.ci-card {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1.5rem;
  background: var(--purple-50);
  border: 1px solid var(--purple-100);
  border-radius: var(--r-2xl);
  margin-bottom: 1rem;
  transition: var(--t-base);
}
.ci-card:hover { background: var(--purple-100); border-color: var(--purple-200); transform: translateX(4px); }
.ci-icon {
  width: 50px; height: 50px;
  background: var(--grad-brand);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--white);
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(162,35,142,.3);
}
.ci-card h4 { font-size: .95rem; margin-bottom: .25rem; }
.ci-card p  { font-size: .85rem; line-height: 1.65; }

.form-card {
  background: var(--white);
  border-radius: var(--r-2xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
}
.form-title { font-size: 1.5rem; font-weight: 800; letter-spacing: -.03em; margin-bottom: .4rem; }
.form-sub { font-size: .9rem; color: var(--muted-fg); margin-bottom: 2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { margin-bottom: 1.1rem; }
.form-label {
  display: block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: .5rem;
}
.form-input, .form-textarea, .form-select {
  width: 100%;
  padding: .8rem 1.1rem;
  border: 2px solid var(--border);
  border-radius: var(--r-lg);
  font-size: .9rem;
  color: var(--ink);
  background: var(--muted-bg);
  transition: var(--t-base);
  outline: none;
}
.form-input:focus, .form-textarea:focus, .form-select:focus {
  border-color: var(--purple-500);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(162,35,142,.1);
}
.form-textarea { resize: vertical; min-height: 130px; }

/* ============================================================
   REGISTER PAGE
   ============================================================ */
.reg-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 4rem;
  align-items: start;
}
.reg-sidebar { position: sticky; top: calc(var(--nav-h) + 2rem); }
.reg-benefit {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.1rem 0;
  border-bottom: 1px solid var(--border);
}
.reg-benefit:last-child { border-bottom: none; }
.rb-icon {
  width: 40px; height: 40px;
  background: var(--grad-brand);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--white);
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(162,35,142,.25);
}
.rb-title { font-weight: 700; font-size: .875rem; color: var(--ink); margin-bottom: .2rem; }
.rb-text  { font-size: .8rem; color: var(--muted-fg); }

.reg-form-card {
  background: var(--white);
  border-radius: var(--r-3xl);
  padding: 3rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
}

/* ============================================================
   RESOURCES PAGE
   ============================================================ */
.faq-wrap { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  margin-bottom: .85rem;
  overflow: hidden;
  transition: var(--t-base);
}
.faq-item.open {
  border-color: var(--purple-300);
  box-shadow: var(--shadow-md);
}
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.2rem 1.5rem;
  cursor: pointer;
  font-weight: 600;
  font-size: .925rem;
  color: var(--ink);
  gap: 1rem;
  background: var(--white);
  transition: var(--t-fast);
  user-select: none;
}
.faq-q:hover { background: var(--purple-50); color: var(--purple-700); }
.faq-item.open .faq-q { background: var(--purple-50); color: var(--purple-700); }
.faq-toggle {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--muted-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: var(--muted-fg);
  transition: var(--t-base);
  font-weight: 700;
}
.faq-item.open .faq-toggle {
  background: var(--grad-brand);
  color: var(--white);
  transform: rotate(45deg);
  box-shadow: 0 4px 12px rgba(162,35,142,.3);
}
.faq-a {
  padding: 0 1.5rem;
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s var(--ease), padding .3s;
}
.faq-item.open .faq-a { padding: 0 1.5rem 1.25rem; max-height: 600px; }
.faq-a p { font-size: .9rem; color: var(--ink-3); line-height: 1.8; }

/* Download cards */
.dl-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(270px, 1fr)); gap: 1.25rem; }
.dl-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-2xl);
  padding: 1.75rem;
  transition: var(--t-base);
}
.dl-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--purple-200); }
.dl-icon {
  width: 52px; height: 52px;
  background: var(--grad-brand);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1.25rem;
}
.dl-type { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--purple-600); margin-bottom: .4rem; }
.dl-card h4 { font-size: 1rem; margin-bottom: .5rem; }
.dl-card p  { font-size: .82rem; margin-bottom: 1.25rem; }

/* ============================================================
   SINGLE LOAN PRODUCT
   ============================================================ */
/* Stats bar */
.slp-stats-bar {
  background: #a2238e;
  padding: 2rem 0;
}
.slp-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 0;
  text-align: center;
}
.slp-stat-item {
  padding: 1rem .75rem;
  border-right: 1px solid rgba(255,255,255,.15);
}
.slp-stat-item:last-child { border-right: none; }
.slp-stat-lbl { font-size: .6rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.65); margin-bottom: .35rem; }
.slp-stat-val { font-size: 1.35rem; font-weight: 800; color: #fff; }

/* Main layout */
.slp-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 3.5rem;
  align-items: start;
}
.slp-sidebar { position: sticky; top: calc(var(--nav-h) + 2rem); }

/* Feature items — purple */
.slp-feat-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 1.25rem;
  background: rgba(107,33,168,.07);
  border: 1px solid rgba(107,33,168,.18);
  border-radius: 14px;
  margin-bottom: .75rem;
}
.slp-feat-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: #a2238e;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; color: #fff;
}

/* Eligibility items — green */
.slp-elig-item {
  display: flex;
  gap: .75rem;
  align-items: flex-start;
  padding: .75rem 1rem;
  background: rgba(22,163,74,.07);
  border: 1px solid rgba(22,163,74,.18);
  border-radius: 10px;
  margin-bottom: .6rem;
}
.slp-elig-icon { color: #03a250; flex-shrink: 0; margin-top: 2px; }

/* Sidebar cards */
.slp-card {
  border-radius: 20px;
  padding: 1.75rem;
  margin-bottom: 1.25rem;
}
.slp-card-elig { background: #fff; border: 1.5px solid rgba(22,163,74,.25); }
.slp-card-cta  { background: #a2238e; }

/* Steps */
.slp-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}
.slp-step { text-align: center; }
.slp-step-circle {
  width: 60px; height: 60px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.3rem; font-weight: 900;
  margin: 0 auto 1rem;
}
.slp-step-circle.pur { background: #a2238e; }
.slp-step-circle.grn { background: #03a250; }

/* Other products grid */
.slp-others-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 1.25rem;
}

/* Other product card */
.other-prod-card {
  border-radius: 16px;
  overflow: hidden;
  border: 1.5px solid rgba(0,0,0,.08);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  transition: transform .2s, box-shadow .2s;
  background: #fff;
}
.other-prod-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0,0,0,.12);
}
.opc-top {
  padding: 1.5rem 1.25rem 1.25rem;
  color: #fff;
}
.opc-icon {
  width: 44px; height: 44px;
  background: rgba(255,255,255,.2);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: .85rem;
}
.opc-name {
  font-size: .95rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: .35rem;
  line-height: 1.3;
}
.opc-tagline {
  font-size: .75rem;
  color: rgba(255,255,255,.8);
  line-height: 1.5;
  margin: 0;
}
.opc-body {
  padding: 1.1rem 1.25rem 1.25rem;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: .6rem;
}
.opc-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .8rem;
  padding-bottom: .5rem;
  border-bottom: 1px solid #f0f0f0;
}
.opc-stat-lbl { color: #71717a; }
.opc-stat-val  { font-weight: 700; }
.opc-btn {
  margin-top: auto;
  padding: .6rem 1rem;
  border-radius: 8px;
  color: #fff;
  font-size: .8rem;
  font-weight: 700;
  text-align: center;
}

/* Legacy classes kept for backward compat */
.slp-detail-card { background: var(--grad-dark); border-radius: var(--r-2xl); padding: 2rem; margin-bottom: 1.25rem; }
.slp-detail-card h4 { color: var(--white); margin-bottom: 1.5rem; }
.slp-meta-item { background: rgba(255,255,255,.07); border-radius: var(--r-lg); padding: 1rem; margin-bottom: .75rem; }
.slp-meta-lbl { font-size: .65rem; text-transform: uppercase; letter-spacing: .07em; color: rgba(255,255,255,.4); margin-bottom: .3rem; }
.slp-meta-val { font-size: 1.05rem; font-weight: 700; color: var(--white); }
.slp-meta-val.green { color: var(--green-400); }

/* ============================================================
   404
   ============================================================ */
.error-pg {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: calc(var(--nav-h) + 3rem) 2rem 3rem;
  background: var(--purple-50);
}
.err-num {
  font-size: clamp(6rem, 18vw, 12rem);
  font-weight: 900;
  letter-spacing: -.06em;
  background: var(--grad-brand);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
  margin-bottom: 1rem;
}

/* ============================================================
   SCROLL PROGRESS BAR
   ============================================================ */
.progress-bar {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  background: var(--grad-brand);
  z-index: 9999;
  width: 0%;
  transition: width .1s linear;
  border-radius: 0 2px 2px 0;
}

/* ============================================================
   SCROLL TO TOP
   ============================================================ */
.scroll-top {
  position: fixed;
  bottom: 2rem; right: 2rem;
  width: 48px; height: 48px;
  background: var(--grad-brand);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: var(--t-base);
  z-index: 998;
  cursor: pointer;
}
.scroll-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.scroll-top:hover { transform: translateY(-4px); box-shadow: var(--shadow-2xl); }

/* ============================================================
   ANIMATIONS & EFFECTS
   ============================================================ */
/* Reveal animation classes (applied via JS) */
[data-reveal] {
  opacity: 0;
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
[data-reveal="up"]    { transform: translateY(40px); }
[data-reveal="down"]  { transform: translateY(-30px); }
[data-reveal="left"]  { transform: translateX(-40px); }
[data-reveal="right"] { transform: translateX(40px); }
[data-reveal="scale"] { transform: scale(.9); }
[data-reveal].revealed { opacity: 1; transform: none; }

/* Hover lift (utility) */
.hover-lift { transition: transform var(--t-base), box-shadow var(--t-base); }
.hover-lift:hover { transform: translateY(-5px); }

/* Shimmer loading */
@keyframes shimmer { from{background-position:-200% 0} to{background-position:200% 0} }
.skeleton {
  background: linear-gradient(90deg, var(--muted-bg) 25%, var(--border) 50%, var(--muted-bg) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.5s infinite;
  border-radius: var(--r-md);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1200px) {
  .feat-bento { grid-template-columns: 1fr 1fr; }
  .feat-bento .fb-span2 { grid-column: auto; }
  .feat-bento .fb-tall  { grid-row: auto; }
}

@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-cards { display: none; }
  .about-split { grid-template-columns: 1fr; gap: 3rem; }
  .about-media { max-width: 500px; margin: 0 auto; }
  .about-badge { right: 0; }
  .prod-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .test-grid { grid-template-columns: 1fr 1fr; }
  .news-grid { grid-template-columns: 1fr 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .contact-layout { grid-template-columns: 1fr; gap: 3rem; }
  .reg-layout { grid-template-columns: 1fr; gap: 3rem; }
  .reg-sidebar { position: static; }
  .slp-grid { grid-template-columns: 1fr; }
  .slp-sidebar { position: static; }
  .slp-steps { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .slp-stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.15); padding: .85rem .75rem; }
  .slp-stat-item:last-child { border-bottom: none; }
  .blog-cta-split { grid-template-columns: 1fr !important; }
}

@media (max-width: 1024px) {
  .qa-grid { grid-template-columns: repeat(3, 1fr); }
  .qa-item:nth-child(3) { border-right: none; }
  .qa-item:nth-child(4),
  .qa-item:nth-child(5),
  .qa-item:nth-child(6) { border-top: 1px solid var(--border); }
}

@media (max-width: 1024px) {
  /* Directors: 4-col → 2-col on tablet */
  .dir-officers-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .dir-members-grid  { grid-template-columns: repeat(3, 1fr) !important; }
  .dir-committee-grid{ grid-template-columns: repeat(3, 1fr) !important; }
}

@media (max-width: 768px) {
  :root { --nav-h: 68px; }
  .nav-links, .nav-cta { display: none; }
  .hbg { display: flex; }
  .mob-nav { display: block; }
  /* Directors: all 1-col on mobile */
  .dir-officers-grid  { grid-template-columns: repeat(2, 1fr) !important; }
  .dir-members-grid   { grid-template-columns: repeat(2, 1fr) !important; }
  .dir-committee-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .hero-h1 { font-size: clamp(2.25rem, 9vw, 3.5rem); }
  /* Page-specific grids */
  .about-story-grid   { grid-template-columns: 1fr !important; gap: 2rem !important; }
  .about-stats-grid   { grid-template-columns: repeat(2,1fr) !important; }
  .about-mvv-grid     { grid-template-columns: 1fr !important; }
  .about-values-grid  { grid-template-columns: repeat(2,1fr) !important; }
  .contact-info-cards { grid-template-columns: repeat(2,1fr) !important; }
  .form-row-2         { grid-template-columns: 1fr !important; }
  .dir-members-grid   { grid-template-columns: repeat(2,1fr) !important; }
  .prod-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .test-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .form-row { grid-template-columns: 1fr; }
  .trust-inner { justify-content: center; }
  .feat-bento { grid-template-columns: 1fr; }
  .fb-span2 > div[style*="grid-template-columns"] { grid-template-columns: 1fr !important; }
  .fb-span2 > div > div:last-child { min-height: 180px; border-radius: 0 0 var(--r-2xl) var(--r-2xl) !important; }
  .cta-btns { flex-direction: column; align-items: center; }
  /* Slider mobile */
  .hero-slider { height: 100svh; max-height: 780px; }
  .hs-arrow { display: none; }
  .hs-content-wrap { align-items: flex-start; padding-top: calc(var(--nav-h) + 3rem); padding-bottom: 3rem; }
  .hs-h1 { font-size: clamp(1.9rem, 7vw, 2.75rem); }
  .hs-content { max-width: 100%; }
  /* Quick access mobile */
  .qa-grid { grid-template-columns: repeat(2, 1fr); }
  .qa-item:nth-child(2n) { border-right: none; }
  .qa-item:nth-child(n+3) { border-top: 1px solid var(--border); }
  .qa-arrow { display: none; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { justify-content: center; }
  .hs-actions { flex-direction: column; }
  .hs-actions .btn { justify-content: center; }
  .cta-btns .btn { justify-content: center; width: 100%; max-width: 300px; }
  .values-grid { grid-template-columns: 1fr; }
  .pc-footer { grid-template-columns: 1fr; }
  .qa-grid { grid-template-columns: 1fr; }
  .qa-item { border-right: none !important; }
  .qa-item:nth-child(n+2) { border-top: 1px solid var(--border); }
  .contact-info-cards { grid-template-columns: 1fr !important; }
  .about-stats-grid   { grid-template-columns: 1fr !important; }
  .dir-officers-grid, .dir-members-grid, .dir-committee-grid { grid-template-columns: 1fr !important; }
  .sticky-cta { width: calc(100vw - 1rem); right: 0; bottom: 1rem; }
  .sticky-cta-tab { writing-mode: horizontal-tb; border-radius: 8px 8px 0 0; padding: .5rem 1rem; }
  .sticky-cta-inner { border-radius: 0 0 14px 14px; }
}

/* ============================================================
   WORDPRESS CORE
   ============================================================ */
.alignleft  { float: left; margin: 0 1.5rem 1rem 0; }
.alignright { float: right; margin: 0 0 1rem 1.5rem; }
.aligncenter { display: block; margin: 1.5rem auto; }
.wp-caption-text { font-size: .8rem; color: var(--muted-fg); text-align: center; margin-top: .5rem; }
.screen-reader-text { clip: rect(1px,1px,1px,1px); position: absolute!important; height: 1px; width: 1px; overflow: hidden; }

.entry-content img { border-radius: var(--r-lg); }
.entry-content p  { margin-bottom: 1.25rem; }
.entry-content h2, .entry-content h3 { margin: 2rem 0 1rem; }
.entry-content ul, .entry-content ol { padding-left: 1.5rem; margin-bottom: 1.5rem; }
.entry-content li { margin-bottom: .5rem; list-style: disc; }
.entry-content ol li { list-style: decimal; }

/* Page editor content — rendered via ack_page_editor_content() and loan product pages */
.entry-content, .loan-editor-content {
  color: var(--muted-fg);
  font-size: 1rem;
  line-height: 1.8;
}
/* Single post — white background, full black body text */
.single-post-content .entry-content {
  color: #09090b;
}
.entry-content h1, .entry-content h2, .entry-content h3,
.entry-content h4, .entry-content h5, .entry-content h6,
.loan-editor-content h2, .loan-editor-content h3 {
  color: var(--fg);
  margin-top: 2rem;
  margin-bottom: .75rem;
}
.entry-content p, .loan-editor-content p { margin-bottom: 1.25rem; }
.entry-content a { color: var(--brand); text-decoration: underline; }
.entry-content a:hover { color: var(--purple-700); }
.entry-content strong, .loan-editor-content strong { color: var(--fg); font-weight: 700; }
.entry-content ul, .entry-content ol,
.loan-editor-content ul { list-style: none; padding-left: 0; margin-bottom: 1.25rem; }
.entry-content ul li, .entry-content ol li,
.loan-editor-content ul li {
  padding-left: 1.75rem;
  position: relative;
  margin-bottom: .6rem;
}
.entry-content ul li::before, .loan-editor-content ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: .55em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--brand);
}
.entry-content ol { counter-reset: item; }
.entry-content ol li::before { content: counter(item) '.'; counter-increment: item; background: none; width: auto; height: auto; border-radius: 0; font-weight: 700; color: var(--brand); font-size: .85rem; top: .15em; }
.entry-content img { max-width: 100%; height: auto; border-radius: var(--r-xl); margin: 1.5rem 0; }
.entry-content hr { border: none; border-top: 1px solid var(--border); margin: 2.5rem 0; }
.entry-content table { width: 100%; border-collapse: collapse; margin-bottom: 1.5rem; font-size: .9rem; }
.entry-content th { background: var(--purple-50); color: var(--purple-700); font-weight: 700; padding: .75rem 1rem; border: 1px solid var(--purple-100); text-align: left; }
.entry-content td { padding: .65rem 1rem; border: 1px solid var(--border); }
.entry-content blockquote {
  border-left: 4px solid var(--purple-500);
  padding: 1rem 1.5rem;
  background: var(--purple-50);
  border-radius: 0 var(--r-md) var(--r-md) 0;
  margin: 2rem 0;
  font-style: italic;
}

/* Pagination */
.pagination { display: flex; gap: .5rem; justify-content: center; margin-top: 3rem; flex-wrap: wrap; }
.page-numbers {
  width: 42px; height: 42px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: .875rem;
  color: var(--ink-3);
  background: var(--white);
  border: 1px solid var(--border);
  transition: var(--t-fast);
}
.page-numbers:hover, .page-numbers.current {
  background: var(--grad-brand);
  color: var(--white);
  border-color: transparent;
  box-shadow: 0 4px 16px rgba(162,35,142,.3);
}

/* WP block button */
.wp-block-button .wp-block-button__link {
  background: var(--grad-brand)!important;
  border-radius: var(--r-full)!important;
  padding: .8rem 2rem!important;
  font-weight: 600!important;
}