/* =========================================================================
   Samriddhi Finance — design system
   Built on Bootstrap 5.3. Tokens first, then components, then pages.
   ========================================================================= */

/* Self-hosted fonts (SIL Open Font License) — no third-party font requests */
@font-face { font-family: "Fraunces"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/fraunces-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Fraunces"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/fraunces-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Fraunces"; font-style: italic; font-weight: 600; font-display: swap; src: url("../fonts/fraunces-latin-600-italic.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-700-normal.woff2") format("woff2"); }

:root {
  /* Brand palette */
  --sf-navy-950: #071829;
  --sf-navy-900: #0B2239;
  --sf-navy-800: #10304D;
  --sf-navy-700: #184062;
  --sf-teal-600: #1C5A66;
  --sf-gold-400: #E0BA5E;
  --sf-gold-500: #D4A441;
  --sf-gold-600: #B98A2A;
  --sf-gold-text: #7D5B12;       /* gold for text on light bg (AA) */
  --sf-green-600: #1D7352;
  --sf-green-50: #EAF4EF;
  --sf-red-600: #A3372B;
  --sf-red-50: #FBEEEC;

  /* Neutrals */
  --sf-ink: #14212E;
  --sf-body: #334252;
  --sf-muted: #56687A;
  --sf-line: #DCE3EA;
  --sf-line-soft: #E9EDF1;
  --sf-bg: #FFFFFF;
  --sf-cream: #F8F5EF;
  --sf-sand: #F1EBDF;

  /* Type */
  --sf-font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --sf-font-body: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  /* Shape & depth */
  --sf-radius-sm: .5rem;
  --sf-radius: .875rem;
  --sf-radius-lg: 1.25rem;
  --sf-shadow-sm: 0 1px 2px rgba(11, 34, 57, .06), 0 1px 3px rgba(11, 34, 57, .05);
  --sf-shadow: 0 6px 24px -8px rgba(11, 34, 57, .16), 0 2px 6px rgba(11, 34, 57, .05);
  --sf-shadow-lg: 0 24px 56px -20px rgba(7, 24, 41, .35);
  --sf-focus: 0 0 0 .2rem #fff, 0 0 0 .38rem var(--sf-gold-600);

  /* Spacing rhythm */
  --sf-section-y: clamp(3.5rem, 7vw, 6rem);

  /* Bootstrap overrides */
  --bs-body-font-family: var(--sf-font-body);
  --bs-body-color: var(--sf-body);
  --bs-body-font-size: 1.0625rem;
  --bs-body-line-height: 1.65;
  --bs-link-color-rgb: 24, 64, 98;
  --bs-link-hover-color-rgb: 7, 24, 41;
  --bs-border-color: var(--sf-line);
  --bs-border-radius: var(--sf-radius-sm);
  --bs-emphasis-color: var(--sf-ink);
}

html { scroll-behavior: smooth; scroll-padding-top: 88px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { background: var(--sf-bg); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden; }
@media (max-width: 991.98px) { body { padding-bottom: 68px; } }

h1, h2, h3, h4, h5, h6 { color: var(--sf-ink); font-weight: 700; letter-spacing: -.01em; }
a { text-underline-offset: .18em; }
::selection { background: var(--sf-gold-400); color: var(--sf-navy-950); }

/* Focus — visible everywhere */
a:focus-visible, button:focus-visible, .btn:focus-visible, .form-control:focus-visible,
.form-select:focus-visible, .form-check-input:focus-visible, .accordion-button:focus-visible,
[tabindex]:focus-visible { outline: none; box-shadow: var(--sf-focus); border-radius: var(--sf-radius-sm); }
main:focus, section[tabindex]:focus { outline: none; box-shadow: none; }

.skip-link { position: absolute; left: 1rem; top: -100px; z-index: 2000; background: var(--sf-navy-900); color: #fff; padding: .75rem 1rem; border-radius: var(--sf-radius-sm); font-weight: 600; text-decoration: none; }
.skip-link:focus { top: 1rem; color: #fff; }

.text-navy { color: var(--sf-navy-900) !important; }
.text-muted-2 { color: var(--sf-muted) !important; }

/* ------------------------------------------------------------------ buttons */
.btn { --bs-btn-font-weight: 600; --bs-btn-padding-y: .625rem; --bs-btn-padding-x: 1.25rem; --bs-btn-border-radius: 999px;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem; transition: background-color .18s, color .18s, border-color .18s, transform .18s, box-shadow .18s; }
.btn-lg { --bs-btn-padding-y: .85rem; --bs-btn-padding-x: 1.75rem; --bs-btn-font-size: 1.0625rem; }
.btn-sm { --bs-btn-padding-y: .4rem; --bs-btn-padding-x: .9rem; --bs-btn-font-size: .875rem; }
.btn:active { transform: translateY(1px); }

.btn-gold { --bs-btn-color: var(--sf-navy-950); --bs-btn-bg: var(--sf-gold-500); --bs-btn-border-color: var(--sf-gold-500);
  --bs-btn-hover-color: var(--sf-navy-950); --bs-btn-hover-bg: var(--sf-gold-400); --bs-btn-hover-border-color: var(--sf-gold-400);
  --bs-btn-active-color: var(--sf-navy-950); --bs-btn-active-bg: var(--sf-gold-600); --bs-btn-active-border-color: var(--sf-gold-600);
  --bs-btn-disabled-color: var(--sf-navy-950); --bs-btn-disabled-bg: var(--sf-gold-500); --bs-btn-disabled-border-color: var(--sf-gold-500);
  box-shadow: 0 6px 16px -8px rgba(185, 138, 42, .8); }
.btn-gold:hover { box-shadow: 0 10px 22px -10px rgba(185, 138, 42, .9); }

.btn-navy { --bs-btn-color: #fff; --bs-btn-bg: var(--sf-navy-900); --bs-btn-border-color: var(--sf-navy-900);
  --bs-btn-hover-color: #fff; --bs-btn-hover-bg: var(--sf-navy-700); --bs-btn-hover-border-color: var(--sf-navy-700);
  --bs-btn-active-color: #fff; --bs-btn-active-bg: var(--sf-navy-950); --bs-btn-active-border-color: var(--sf-navy-950); }

.btn-outline-navy { --bs-btn-color: var(--sf-navy-900); --bs-btn-border-color: #B8C4D0; --bs-btn-bg: #fff;
  --bs-btn-hover-color: #fff; --bs-btn-hover-bg: var(--sf-navy-900); --bs-btn-hover-border-color: var(--sf-navy-900);
  --bs-btn-active-color: #fff; --bs-btn-active-bg: var(--sf-navy-950); --bs-btn-active-border-color: var(--sf-navy-950); }

.btn-outline-light { --bs-btn-color: #fff; --bs-btn-border-color: rgba(255,255,255,.45);
  --bs-btn-hover-color: var(--sf-navy-950); --bs-btn-hover-bg: #fff; --bs-btn-hover-border-color: #fff;
  --bs-btn-active-color: var(--sf-navy-950); --bs-btn-active-bg: #E8EDF2; }

.btn-whatsapp { --bs-btn-color: #fff; --bs-btn-bg: #1B7F4D; --bs-btn-border-color: #1B7F4D;
  --bs-btn-hover-color: #fff; --bs-btn-hover-bg: #156A40; --bs-btn-hover-border-color: #156A40;
  --bs-btn-active-color: #fff; --bs-btn-active-bg: #115434; }

.btn-link { color: var(--sf-navy-700); font-weight: 600; }

.cta-row { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.75rem; }
@media (max-width: 575.98px) { .cta-row .btn { width: 100%; } }

.link-arrow { font-weight: 600; color: var(--sf-navy-700); text-decoration: none; display: inline-flex; gap: .4rem; align-items: center; }
.link-arrow:hover i { transform: translateX(3px); }
.link-arrow i { transition: transform .18s; }

/* ------------------------------------------------------------------ header */
.topbar { background: var(--sf-navy-950); color: #C9D4DF; font-size: .8125rem; padding: .45rem 0; }
.topbar p { color: #C9D4DF; }
.topbar a { color: #fff; text-decoration: none; }
.topbar a:hover { text-decoration: underline; }
.topbar i { color: var(--sf-gold-400); margin-right: .25rem; }
.topbar .list-inline-item:not(:last-child) { margin-right: 1.25rem; }

.site-header { background: rgba(255,255,255,.96); backdrop-filter: saturate(160%) blur(10px); -webkit-backdrop-filter: saturate(160%) blur(10px); border-bottom: 1px solid var(--sf-line-soft); z-index: 1030; transition: box-shadow .2s; }
.site-header.is-scrolled { box-shadow: 0 6px 20px -12px rgba(11,34,57,.25); }
.navbar { padding: .7rem 0; }

.brand { display: inline-flex; align-items: center; gap: .65rem; text-decoration: none; margin-right: 1rem; }
.brand-mark { width: 40px; height: 40px; color: var(--sf-navy-900); flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: var(--sf-font-display); font-weight: 600; font-size: 1.35rem; color: var(--sf-navy-900); letter-spacing: -.01em; }
.brand-sub { font-size: .66rem; font-weight: 700; letter-spacing: .32em; text-transform: uppercase; color: var(--sf-gold-text); margin-top: .3rem; }
.brand-light .brand-mark { color: #1B3D5E; }
.brand-light .brand-name { color: #fff; }
.brand-light .brand-sub { color: var(--sf-gold-400); }

.navbar .nav-link { color: var(--sf-ink); font-weight: 600; font-size: .96rem; padding: .5rem .85rem !important; border-radius: 999px; position: relative; }
.navbar .nav-link:hover { color: var(--sf-navy-700); background: var(--sf-cream); }
.navbar .nav-link.active { color: var(--sf-navy-900); }
.navbar .nav-link.active::after { content: ""; position: absolute; left: .85rem; right: .85rem; bottom: .2rem; height: 2px; border-radius: 2px; background: var(--sf-gold-500); }
.navbar .dropdown-toggle.active::after { border-top-color: currentColor; }
.dropdown-menu { border: 1px solid var(--sf-line-soft); border-radius: var(--sf-radius); box-shadow: var(--sf-shadow); padding: .5rem; min-width: 18rem; }
.dropdown-item { border-radius: var(--sf-radius-sm); padding: .6rem .75rem; font-weight: 500; color: var(--sf-ink); display: flex; gap: .65rem; align-items: center; white-space: normal; }
.dropdown-item i { color: var(--sf-teal-600); font-size: 1.05rem; }
.dropdown-item:hover, .dropdown-item:focus { background: var(--sf-cream); color: var(--sf-navy-900); }
.dropdown-item.active, .dropdown-item:active { background: var(--sf-navy-900); color: #fff; }
.dropdown-item.active i { color: var(--sf-gold-400); }

.navbar-toggler { border: 1px solid var(--sf-line); border-radius: var(--sf-radius-sm); padding: .6rem .55rem; display: flex; flex-direction: column; gap: 4px; }
.navbar-toggler:focus { box-shadow: var(--sf-focus); }
.toggler-bar { display: block; width: 22px; height: 2px; background: var(--sf-navy-900); border-radius: 2px; transition: transform .2s, opacity .2s; }
.navbar-toggler[aria-expanded="true"] .toggler-bar:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.navbar-toggler[aria-expanded="true"] .toggler-bar:nth-child(2) { opacity: 0; }
.navbar-toggler[aria-expanded="true"] .toggler-bar:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 991.98px) {
  .navbar-collapse { padding: 1rem 0 .5rem; max-height: calc(100vh - 80px); overflow-y: auto; }
  .navbar .nav-link { padding: .75rem .5rem !important; border-radius: var(--sf-radius-sm); }
  .navbar .nav-link.active::after { display: none; }
  .navbar .nav-link.active { background: var(--sf-cream); }
  .dropdown-menu { box-shadow: none; border: 0; background: var(--sf-cream); min-width: 0; }
  .navbar-collapse .btn { width: 100%; }
}

/* ------------------------------------------------------------------ typography helpers */
.eyebrow { font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--sf-gold-text); margin-bottom: .75rem; display: inline-flex; align-items: center; gap: .5rem; }
.eyebrow-light { color: var(--sf-gold-400); }
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--sf-gold-400); box-shadow: 0 0 0 4px rgba(224,186,94,.2); }
.display-hero, .display-title, .section-title { font-family: var(--sf-font-display); font-weight: 600; letter-spacing: -.02em; }
.display-hero { font-size: clamp(2.3rem, 5.6vw, 3.9rem); line-height: 1.06; color: #fff; margin-bottom: 1.25rem; }
.display-hero em { font-style: italic; color: var(--sf-gold-400); }
.display-title { font-size: clamp(2rem, 4.4vw, 3rem); line-height: 1.1; color: #fff; margin-bottom: 1rem; }
.section-title { font-size: clamp(1.75rem, 3.4vw, 2.5rem); line-height: 1.15; margin-bottom: .9rem; }
.section-text { color: var(--sf-muted); font-size: 1.0625rem; max-width: 42rem; }
.section-head { margin-bottom: 2.5rem; max-width: 46rem; }
.section-head.text-center .section-text { margin-inline: auto; }
.small-note { font-size: .9rem; color: var(--sf-muted); }
.small-note i { color: var(--sf-teal-600); }

/* ------------------------------------------------------------------ sections */
.section { padding: var(--sf-section-y) 0; }
.section-alt { background: var(--sf-cream); }
.section-navy { background: radial-gradient(1200px 400px at 90% 0%, rgba(28,90,102,.55), transparent 60%), var(--sf-navy-900); color: #D6DFE8; }
.section-navy .section-title { color: #fff; }
.section-navy .eyebrow { color: var(--sf-gold-400); }

/* ------------------------------------------------------------------ hero */
.hero { position: relative; overflow: hidden; background: var(--sf-navy-900); color: #D6DFE8; padding: clamp(3.5rem, 8vw, 6.5rem) 0 clamp(4rem, 8vw, 7rem); }
.hero-bg { position: absolute; inset: 0;
  background:
    radial-gradient(800px 480px at 85% 10%, rgba(28,90,102,.75), transparent 60%),
    radial-gradient(600px 400px at 0% 100%, rgba(212,164,65,.14), transparent 60%),
    linear-gradient(180deg, var(--sf-navy-900), var(--sf-navy-950)); }
.hero-bg::after { content: ""; position: absolute; inset: 0; opacity: .5;
  background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 56px 56px; mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%); -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%); }
.hero-lead { color: #CBD6E1; font-size: clamp(1.05rem, 1.6vw, 1.2rem); max-width: 38rem; }
.hero-contact { margin-top: 1.5rem; display: flex; flex-wrap: wrap; gap: .5rem 1rem; align-items: center; font-size: .95rem; color: #9FB0C2; }
.hero-contact a { color: #fff; text-decoration: none; font-weight: 600; }
.hero-contact a:hover { text-decoration: underline; }
.hero-contact i { color: var(--sf-gold-400); margin-right: .3rem; }

.journey-card { background: #fff; border-radius: var(--sf-radius-lg); padding: 1.75rem; box-shadow: var(--sf-shadow-lg); color: var(--sf-body); position: relative; }
.journey-card::before { content: ""; position: absolute; inset: -10px -10px auto auto; width: 90px; height: 90px; border-radius: 22px; background: linear-gradient(135deg, var(--sf-gold-400), var(--sf-gold-600)); opacity: .9; z-index: -1; transform: rotate(8deg); }
.journey-head { display: flex; flex-wrap: wrap; gap: .5rem; justify-content: space-between; align-items: center; margin-bottom: 1.25rem; }
.journey-kicker { font-family: var(--sf-font-display); font-size: 1.2rem; font-weight: 600; color: var(--sf-ink); }
.journey-pill { font-size: .75rem; font-weight: 600; color: var(--sf-green-600); background: var(--sf-green-50); padding: .3rem .65rem; border-radius: 999px; }
.journey-list { list-style: none; padding: 0; margin: 0; position: relative; }
.journey-list::before { content: ""; position: absolute; left: 17px; top: 18px; bottom: 18px; width: 2px; background: var(--sf-line); }
.journey-list li { display: flex; gap: 1rem; align-items: flex-start; padding: .6rem 0; position: relative; }
.journey-list strong { display: block; color: var(--sf-ink); font-size: .98rem; }
.journey-list span:not(.j-dot) { font-size: .88rem; color: var(--sf-muted); }
.j-dot { width: 36px; height: 36px; flex-shrink: 0; border-radius: 50%; display: grid; place-items: center; font-weight: 700; font-size: .9rem; background: #fff; border: 2px solid var(--sf-line); color: var(--sf-muted); position: relative; z-index: 1; }
.journey-list li.done .j-dot { background: var(--sf-navy-900); border-color: var(--sf-navy-900); color: var(--sf-gold-400); }
.journey-list li.current .j-dot { border-color: var(--sf-gold-500); color: var(--sf-gold-text); box-shadow: 0 0 0 5px rgba(212,164,65,.18); }
.journey-foot { margin: 1.1rem 0 0; padding-top: 1rem; border-top: 1px dashed var(--sf-line); font-size: .88rem; color: var(--sf-muted); }
.journey-foot i { color: var(--sf-teal-600); margin-right: .35rem; }

/* inner page hero */
.page-hero { background: radial-gradient(900px 380px at 100% 0%, rgba(28,90,102,.7), transparent 60%), linear-gradient(180deg, var(--sf-navy-900), var(--sf-navy-950)); color: #CBD6E1; padding: clamp(2.25rem, 5vw, 3.5rem) 0 clamp(3rem, 6vw, 4.5rem); position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -80px; bottom: -120px; width: 320px; height: 320px; border-radius: 50%; border: 1px solid rgba(224,186,94,.25); box-shadow: 0 0 0 40px rgba(224,186,94,.04), 0 0 0 80px rgba(224,186,94,.03); pointer-events: none; }
.page-hero .lead { color: #CBD6E1; font-size: clamp(1.02rem, 1.5vw, 1.15rem); max-width: 44rem; }
.page-hero-slim { padding-bottom: clamp(2.5rem, 5vw, 3.5rem); }
.hero-icon { width: 30px; height: 30px; border-radius: 8px; display: inline-grid; place-items: center; background: rgba(224,186,94,.14); color: var(--sf-gold-400); font-size: .95rem; }
.breadcrumb { --bs-breadcrumb-divider-color: #7D93A8; --bs-breadcrumb-item-active-color: #B5C3D1; font-size: .85rem; margin-bottom: 1.5rem; }
.breadcrumb a { color: #fff; text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.notice-lift { margin-top: -1.75rem; position: relative; z-index: 2; }
.notice-lift .notice { box-shadow: var(--sf-shadow); background: #fff; }

/* ------------------------------------------------------------------ trust strip */
.trust-strip { background: #fff; border-bottom: 1px solid var(--sf-line-soft); }
.trust-list { list-style: none; margin: 0; padding: 1.1rem 0; display: flex; flex-wrap: wrap; justify-content: center; gap: .75rem 2.5rem; }
.trust-list li { display: flex; align-items: center; gap: .55rem; font-weight: 600; color: var(--sf-ink); font-size: .95rem; }
.trust-list i { color: var(--sf-teal-600); font-size: 1.15rem; }
@media (max-width: 575.98px) { .trust-list { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem 1rem; } .trust-list li { font-size: .85rem; align-items: flex-start; } }

/* ------------------------------------------------------------------ cards */
.service-card { display: flex; flex-direction: column; height: 100%; padding: 1.75rem; background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius-lg); text-decoration: none; color: var(--sf-body); transition: border-color .2s, box-shadow .2s, transform .2s; position: relative; }
.service-card:hover { border-color: #C3CFDA; box-shadow: var(--sf-shadow); transform: translateY(-3px); color: var(--sf-body); }
.service-card:focus-visible { border-radius: var(--sf-radius-lg); }
.service-card p { font-size: .98rem; color: var(--sf-muted); flex-grow: 1; }
.service-title { font-size: 1.15rem; margin: 1.1rem 0 .5rem; }
.service-link { font-weight: 600; color: var(--sf-navy-700); font-size: .95rem; display: inline-flex; gap: .4rem; align-items: center; }
.service-link i { transition: transform .2s; }
.service-card:hover .service-link i { transform: translateX(4px); }
.service-icon { width: 48px; height: 48px; border-radius: 12px; display: inline-grid; place-items: center; font-size: 1.35rem; background: linear-gradient(145deg, #EAF1F4, #F6F1E6); color: var(--sf-teal-600); border: 1px solid var(--sf-line-soft); }

.step-card { height: 100%; background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius-lg); padding: 1.75rem; position: relative; overflow: hidden; }
.step-card p { color: var(--sf-muted); font-size: .96rem; margin: 0; }
.step-num { position: absolute; right: 1.25rem; top: .75rem; font-family: var(--sf-font-display); font-size: 2.75rem; font-weight: 600; color: var(--sf-sand); line-height: 1; }
.step-icon { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--sf-navy-900); color: var(--sf-gold-400); font-size: 1.15rem; margin-bottom: 1.1rem; }
.step-title { font-size: 1.08rem; margin-bottom: .5rem; }
.steps { margin: 0; padding: 0; }

.profile-tile { display: flex; align-items: center; gap: 1rem; padding: 1.1rem 1.25rem; background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius); text-decoration: none; color: var(--sf-body); transition: border-color .2s, background .2s, box-shadow .2s; height: 100%; }
.profile-tile:hover { border-color: var(--sf-gold-500); box-shadow: var(--sf-shadow-sm); color: var(--sf-body); }
.profile-tile > i { font-size: 1.4rem; color: var(--sf-teal-600); width: 44px; height: 44px; border-radius: 10px; display: grid; place-items: center; background: var(--sf-cream); flex-shrink: 0; }
.profile-tile strong { display: block; color: var(--sf-ink); }
.profile-tile small { color: var(--sf-muted); }

.profile-card, .principle-card, .contact-card { height: 100%; background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius-lg); padding: 1.5rem; }
.profile-card h3, .principle-card h3, .contact-card h3 { margin-top: 1rem; }
.profile-card p, .principle-card p { color: var(--sf-muted); font-size: .95rem; }
.contact-card { display: flex; flex-direction: column; align-items: flex-start; }
.contact-card p, .contact-card address { color: var(--sf-body); flex-grow: 1; }
.contact-card a:not(.btn) { color: var(--sf-navy-700); font-weight: 600; }

.clarity-card { height: 100%; border-radius: var(--sf-radius-lg); padding: 1.75rem; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); }
.clarity-card ul { margin: 0; padding-left: 1.1rem; }
.clarity-card li { margin-bottom: .55rem; color: #D6DFE8; }
.clarity-title { font-size: 1.1rem; color: #fff; display: flex; gap: .55rem; align-items: center; margin-bottom: 1rem; }
.clarity-title i { color: var(--sf-gold-400); }
.clarity-card-muted .clarity-title i { color: #F2A99E; }
.clarity-light { background: var(--sf-green-50); border-color: #CFE4D8; }
.clarity-light li { color: var(--sf-body); }
.clarity-light .clarity-title { color: var(--sf-ink); }
.clarity-light .clarity-title i { color: var(--sf-green-600); }
.clarity-danger { background: var(--sf-red-50); border-color: #F0D2CC; }
.clarity-danger .clarity-title i { color: var(--sf-red-600); }

.glance-card, .info-panel { background: var(--sf-cream); border: 1px solid var(--sf-sand); border-radius: var(--sf-radius-lg); padding: 1.75rem; position: sticky; top: 100px; }
.info-panel { position: static; }
.glance-list { list-style: none; padding: 0; margin: 0; }
.glance-list li { display: flex; gap: .6rem; padding: .45rem 0; }
.glance-list i { color: var(--sf-green-600); font-weight: 700; margin-top: .1rem; }
.details-table { --bs-table-bg: transparent; font-size: .95rem; }
.details-table th { color: var(--sf-muted); font-weight: 600; width: 38%; padding-left: 0; }
.details-table td { color: var(--sf-ink); padding-right: 0; word-break: break-word; }

/* ------------------------------------------------------------------ checklist */
.checklist-card { background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius-lg); padding: clamp(1.25rem, 3vw, 2rem); box-shadow: var(--sf-shadow-sm); scroll-margin-top: 100px; }
.checklist-head { display: flex; flex-direction: column; align-items: flex-start; gap: .6rem; margin-bottom: 1.25rem; padding-bottom: 1rem; border-bottom: 1px solid var(--sf-line-soft); }
.checklist-title { font-size: 1.2rem; margin: 0; }
.badge-soft { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--sf-teal-600); background: #E6F0F2; padding: .3rem .6rem; border-radius: 999px; }
.badge-draft { color: var(--sf-gold-text); background: #FBF1DA; }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: .15rem; }
@media (min-width: 992px) { .checklist { display: block; columns: 2; column-gap: 2.5rem; } .checklist > li { break-inside: avoid; } }
.checklist > li { display: flex; gap: .7rem; padding: .6rem 0; border-bottom: 1px dashed var(--sf-line-soft); }
.checklist > li > i { flex-shrink: 0; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; background: var(--sf-green-50); color: var(--sf-green-600); font-size: .85rem; margin-top: .15rem; font-weight: 700; }
.sublist { margin: .4rem 0 0; padding-left: 1.1rem; font-size: .95rem; color: var(--sf-muted); }
.sublist li { margin: .15rem 0; }
.checklist-extra, .checklist-note { font-size: .92rem; margin: 1rem 0 0; display: flex; gap: .55rem; }
.checklist-extra { color: var(--sf-body); }
.checklist-extra i { color: var(--sf-teal-600); }
.checklist-note { background: #FBF6EA; border: 1px solid #F0E3C2; border-radius: var(--sf-radius); padding: .85rem 1rem; color: #5A4513; }
.checklist-note i { color: var(--sf-gold-text); }
.group-title { font-family: var(--sf-font-display); font-weight: 600; font-size: 1.45rem; margin-bottom: 1.25rem; padding-left: .85rem; border-left: 3px solid var(--sf-gold-500); }

.jump-nav { position: sticky; top: 100px; background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius); padding: 1.25rem; }
.jump-title { font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: var(--sf-muted); margin-bottom: .6rem; }
.jump-nav ul { list-style: none; padding: 0; margin: 0; }
.jump-nav a { display: block; padding: .45rem .6rem; border-radius: var(--sf-radius-sm); text-decoration: none; color: var(--sf-ink); font-size: .93rem; font-weight: 500; }
.jump-nav a:hover { background: var(--sf-cream); color: var(--sf-navy-900); }
@media (max-width: 991.98px) { .jump-nav { position: static; } .jump-nav ul { display: flex; flex-wrap: wrap; gap: .4rem; } .jump-nav a { border: 1px solid var(--sf-line); border-radius: 999px; font-size: .85rem; } }

/* timeline */
.timeline { list-style: none; padding: 0; margin: 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 19px; top: 10px; bottom: 10px; width: 2px; background: linear-gradient(var(--sf-navy-700) 0 62%, var(--sf-gold-500) 62% 100%); opacity: .35; }
.timeline li { display: flex; gap: 1.1rem; padding: 0 0 1.6rem; position: relative; }
.timeline li p { color: var(--sf-muted); font-size: .96rem; }
.tl-dot { width: 40px; height: 40px; flex-shrink: 0; border-radius: 50%; display: grid; place-items: center; font-weight: 700; background: var(--sf-navy-900); color: var(--sf-gold-400); z-index: 1; }
.timeline li:nth-child(n+5) .tl-dot { background: #fff; color: var(--sf-gold-text); border: 2px solid var(--sf-gold-500); }

/* ------------------------------------------------------------------ notices */
.notice { display: flex; gap: .9rem; padding: 1.1rem 1.25rem; border-radius: var(--sf-radius); border: 1px solid; margin-bottom: 1rem; font-size: .96rem; }
.notice > i { font-size: 1.3rem; line-height: 1.2; flex-shrink: 0; }
.notice-title { font-weight: 700; color: var(--sf-ink); margin-bottom: .2rem; }
.notice-secure { background: #EAF2F4; border-color: #C9DDE2; }
.notice-secure > i { color: var(--sf-teal-600); }
.notice-info { background: #F2F5F9; border-color: var(--sf-line); }
.notice-info > i { color: var(--sf-navy-700); }
.notice-warn { background: #FBF6EA; border-color: #F0E3C2; }
.notice-warn > i { color: var(--sf-gold-text); }
.notice a { color: var(--sf-navy-900); font-weight: 600; }

.placeholder-text { display: inline; background: repeating-linear-gradient(135deg, #FFF8E6, #FFF8E6 6px, #FDF1D2 6px, #FDF1D2 12px); outline: 1px dashed #D2A847; outline-offset: 1px; color: #6B4E0E; padding: 0 .25rem; border-radius: 3px; font-size: .95em; }

.draft-banner { display: flex; gap: .7rem; background: #FBF6EA; border: 1px dashed #D2A847; color: #5A4513; border-radius: var(--sf-radius); padding: 1rem 1.25rem; margin-bottom: 2rem; font-size: .93rem; }

/* ------------------------------------------------------------------ FAQ */
.faq .accordion-item { border: 1px solid var(--sf-line); border-radius: var(--sf-radius) !important; margin-bottom: .75rem; overflow: hidden; background: #fff; }
.faq .accordion-button { font-weight: 600; color: var(--sf-ink); font-size: 1.02rem; padding: 1.1rem 1.25rem; background: #fff; box-shadow: none; }
.faq .accordion-button:not(.collapsed) { color: var(--sf-navy-900); background: var(--sf-cream); }
.faq .accordion-button::after { background-image: none; content: "\F4FE"; font-family: "bootstrap-icons"; font-size: 1.1rem; width: auto; height: auto; transform: none; transition: transform .2s; color: var(--sf-gold-text); }
.faq .accordion-button:not(.collapsed)::after { transform: rotate(45deg); }
.faq .accordion-body { color: var(--sf-body); padding: 0 1.25rem 1.25rem; background: var(--sf-cream); }
.faq .accordion-button:focus-visible { box-shadow: inset 0 0 0 3px var(--sf-gold-600); }

/* ------------------------------------------------------------------ enquiry */
.enquiry-section { scroll-margin-top: 80px; }
.form-card { background: #fff; border: 1px solid var(--sf-line); border-radius: var(--sf-radius-lg); padding: clamp(1.25rem, 3.5vw, 2.25rem); box-shadow: var(--sf-shadow); }
.assurance-list { list-style: none; padding: 0; margin: 1.5rem 0; }
.assurance-list li { display: flex; gap: .6rem; padding: .35rem 0; font-weight: 500; color: var(--sf-ink); }
.assurance-list i { color: var(--sf-green-600); }
.contact-mini { padding: 1.25rem; border-radius: var(--sf-radius); background: #fff; border: 1px solid var(--sf-line); }
.section:not(.section-alt) .contact-mini { background: var(--sf-cream); border-color: var(--sf-sand); }

.form-label { font-weight: 600; color: var(--sf-ink); font-size: .95rem; margin-bottom: .4rem; }
.form-label .req, .form-check-label .req { color: var(--sf-red-600); }
.form-label .opt { font-weight: 400; color: var(--sf-muted); font-size: .85rem; }
.form-control, .form-select, .input-group-text { border-color: #C7D1DB; padding: .7rem .9rem; font-size: 1rem; border-radius: var(--sf-radius-sm); }
.input-group-text { background: var(--sf-cream); color: var(--sf-ink); font-weight: 600; }
.form-control:hover, .form-select:hover { border-color: #9EAEBE; }
.form-control:focus, .form-select:focus { border-color: var(--sf-navy-700); box-shadow: 0 0 0 .2rem rgba(24,64,98,.15); }
.form-control::placeholder { color: #8093A5; }
.form-text { color: var(--sf-muted); font-size: .85rem; }
.form-control.is-invalid, .form-select.is-invalid { border-color: var(--sf-red-600); background-image: none; padding-right: .9rem; }
.form-control.is-valid, .form-select.is-valid { border-color: var(--sf-green-600); background-image: none; padding-right: .9rem; }
.form-control.is-invalid:focus, .form-select.is-invalid:focus { box-shadow: 0 0 0 .2rem rgba(163,55,43,.15); }
.invalid-feedback { color: var(--sf-red-600); font-size: .87rem; font-weight: 500; }
.invalid-feedback::before { content: "\F332"; font-family: "bootstrap-icons"; margin-right: .35rem; vertical-align: -1px; }
.form-check-input { width: 1.2em; height: 1.2em; border-color: #9EAEBE; margin-top: .22em; }
.form-check-input:checked { background-color: var(--sf-navy-900); border-color: var(--sf-navy-900); }
.form-check-input.is-invalid { border-color: var(--sf-red-600); }
.form-check-input.is-invalid ~ .form-check-label { color: var(--sf-ink); }
.form-check-input.is-valid ~ .form-check-label { color: var(--sf-ink); }
.consent { background: var(--sf-cream); padding: 1rem 1rem 1rem 2.6rem; border-radius: var(--sf-radius-sm); font-size: .93rem; }
.consent a { color: var(--sf-navy-700); font-weight: 600; }
.form-status { background: var(--sf-red-50); color: var(--sf-red-600); border: 1px solid #F0D2CC; border-radius: var(--sf-radius-sm); padding: .8rem 1rem; margin-bottom: 1.25rem; font-weight: 500; font-size: .95rem; }
.form-fine { font-size: .85rem; color: var(--sf-muted); margin: .85rem 0 0; }
.form-fine i { color: var(--sf-teal-600); }

.submit-btn .btn-loading { display: none; align-items: center; gap: .5rem; }
.submit-btn.is-loading .btn-label { display: none; }
.submit-btn.is-loading .btn-loading { display: inline-flex; }
.submit-btn.is-loading { pointer-events: none; opacity: .85; }

.form-success { text-align: center; padding: 1.5rem .5rem; }
.form-success:focus { outline: none; }
.success-icon { width: 64px; height: 64px; border-radius: 50%; display: inline-grid; place-items: center; font-size: 1.8rem; background: var(--sf-green-50); color: var(--sf-green-600); margin-bottom: 1rem; box-shadow: 0 0 0 8px rgba(29,115,82,.08); }

/* ------------------------------------------------------------------ disclaimer band */
.disclaimer-band { padding: 2rem 0 2.5rem; background: #fff; border-top: 1px solid var(--sf-line-soft); }
.disclaimer-band .notice { margin: 0; }

/* ------------------------------------------------------------------ footer */
.site-footer { background: var(--sf-navy-950); color: #A9B8C7; padding: 4rem 0 1.5rem; font-size: .95rem; }
.footer-lead { color: #A9B8C7; max-width: 24rem; }
.footer-title { color: #fff; font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .55rem; }
.site-footer a { color: #DCE4EC; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { display: flex; gap: .75rem; margin-bottom: .8rem; align-items: flex-start; }
.footer-contact i { color: var(--sf-gold-400); margin-top: .15rem; }
.footer-contact address { color: #A9B8C7; }
.site-footer .placeholder-text { background: rgba(224,186,94,.12); color: #E9CD87; outline-color: rgba(224,186,94,.5); }
.footer-disclaimer { margin-top: 3rem; padding: 1.25rem 1.5rem; border-radius: var(--sf-radius); background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); font-size: .85rem; line-height: 1.6; }
.footer-disclaimer p { margin: 0; color: #A9B8C7; }
.footer-disclaimer strong { color: #fff; }
.footer-disclaimer a { color: var(--sf-gold-400); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .75rem; margin-top: 1.75rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.08); font-size: .85rem; }

/* mobile action bar */
.mobile-actions { position: fixed; left: 0; right: 0; bottom: 0; z-index: 1040; display: grid; grid-template-columns: 1fr 1fr 1.3fr; background: #fff; border-top: 1px solid var(--sf-line); box-shadow: 0 -8px 24px -12px rgba(11,34,57,.25); padding-bottom: env(safe-area-inset-bottom); }
.mobile-action { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .15rem; padding: .55rem 0; min-height: 60px; text-decoration: none; color: var(--sf-navy-900); font-size: .78rem; font-weight: 600; }
.mobile-action i { font-size: 1.2rem; }
.mobile-action:nth-child(2) i { color: #1B7F4D; }
.mobile-action-primary { background: var(--sf-gold-500); color: var(--sf-navy-950); }
.mobile-action:active { background: var(--sf-cream); }
.mobile-action-primary:active { background: var(--sf-gold-600); }

/* ------------------------------------------------------------------ misc */
.numbered { padding-left: 1.2rem; }
.numbered li { margin-bottom: .9rem; padding-left: .3rem; }
.numbered li::marker { color: var(--sf-gold-text); font-weight: 700; }
.name-chips { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: .5rem; }
.name-chips li { padding: .45rem .9rem; border: 1px solid var(--sf-line); border-radius: 999px; font-weight: 500; color: var(--sf-ink); }

.prose { color: var(--sf-body); }
.prose h2 { font-size: 1.3rem; margin: 2.25rem 0 .75rem; }
.prose ul { padding-left: 1.25rem; }
.prose li { margin-bottom: .45rem; }
.prose a { color: var(--sf-navy-700); font-weight: 600; }

.not-found { min-height: 50vh; display: flex; align-items: center; }

/* reveal on scroll — only when JS is running and motion is allowed */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .55s ease, transform .55s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

@media print {
  .site-header, .topbar, .mobile-actions, .enquiry-section, .cta-row, .site-footer .btn { display: none !important; }
  .page-hero, .hero { background: none !important; color: #000; }
  .display-title, .display-hero { color: #000; }
}

/* Mobile gutters: 16px page gutter; keep large row gutters from overflowing */
@media (max-width: 767.98px) {
  .container { --bs-gutter-x: 2rem; }
  .row.g-5, .row.gx-5 { --bs-gutter-x: 2rem; --bs-gutter-y: 2.5rem; }
  .eyebrow { align-items: flex-start; }
  .eyebrow .dot { margin-top: .35rem; flex-shrink: 0; }
}
@media (max-width: 991.98px) { html { scroll-padding-bottom: 84px; } }

/* =========================================================================
   APPLY FOR LOAN — highlighted call-to-action system
   ========================================================================= */
.btn-apply { position: relative; font-weight: 700; }
.btn-apply i { font-size: 1.05em; }
/* Header button gets a soft attention ring (disabled for reduced motion) */
.site-header .btn-apply::after { content: ""; position: absolute; inset: -4px; border-radius: 999px; border: 2px solid var(--sf-gold-500); opacity: 0; animation: applyPulse 2.8s ease-out infinite; pointer-events: none; }
@keyframes applyPulse { 0% { opacity: .7; transform: scale(.96); } 70%, 100% { opacity: 0; transform: scale(1.12); } }
@media (prefers-reduced-motion: reduce) { .site-header .btn-apply::after { animation: none; } }

/* Service cards with Apply + Learn more */
.service-card { cursor: default; }
.service-title a { color: var(--sf-ink); text-decoration: none; }
.service-title a:hover { color: var(--sf-navy-700); text-decoration: underline; }
.service-actions { display: flex; flex-wrap: wrap; align-items: center; gap: .75rem 1.25rem; margin-top: .25rem; }
.service-actions .service-link { text-decoration: none; }
.service-card:hover { transform: translateY(-3px); }

/* Checklist footer CTA */
.checklist-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: .75rem; margin-top: 1.25rem; padding-top: 1.25rem; border-top: 1px solid var(--sf-line-soft); }
.checklist-cta span { font-weight: 600; color: var(--sf-ink); }
@media (max-width: 575.98px) { .checklist-cta .btn { width: 100%; } }

/* Apply band */
.apply-band { padding: 2.5rem 0; background: #fff; }
.section-alt + .apply-band, .apply-band { background: transparent; }
.apply-band-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.5rem; padding: clamp(1.5rem, 3.5vw, 2.25rem) clamp(1.25rem, 3.5vw, 2.5rem); border-radius: var(--sf-radius-lg); background: linear-gradient(120deg, var(--sf-gold-400), var(--sf-gold-500) 55%, #CF9B35); color: var(--sf-navy-950); box-shadow: 0 18px 40px -22px rgba(185,138,42,.9); position: relative; overflow: hidden; }
.apply-band-inner::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; border: 30px solid rgba(255,255,255,.14); pointer-events: none; }
.apply-band-text { display: flex; gap: 1rem; align-items: flex-start; max-width: 44rem; position: relative; z-index: 1; }
.apply-band-text p { color: #2A2410; }
.apply-band-icon { width: 52px; height: 52px; flex-shrink: 0; border-radius: 14px; display: grid; place-items: center; font-size: 1.5rem; background: var(--sf-navy-900); color: #fff; }
.apply-band-title { font-family: var(--sf-font-display); font-weight: 600; font-size: clamp(1.35rem, 2.6vw, 1.75rem); color: var(--sf-navy-950); margin-bottom: .35rem; }
.apply-band-actions { display: flex; flex-wrap: wrap; gap: .75rem; position: relative; z-index: 1; }
.apply-band .btn-light { --bs-btn-bg: #fff; --bs-btn-border-color: #fff; --bs-btn-color: var(--sf-navy-900); --bs-btn-hover-bg: var(--sf-cream); --bs-btn-hover-border-color: var(--sf-cream); }
@media (max-width: 575.98px) { .apply-band-actions, .apply-band-actions .btn { width: 100%; } }

/* Apply form highlight */
.apply-badge { display: inline-flex; align-items: center; gap: .45rem; font-size: .8rem; font-weight: 700; letter-spacing: .04em; color: #115434; background: #DDF2E6; border: 1px solid #BFE3CE; padding: .35rem .8rem; border-radius: 999px; margin-bottom: 1rem; }
.form-card-apply { border: 2px solid var(--sf-gold-500); box-shadow: 0 24px 60px -30px rgba(185,138,42,.75), var(--sf-shadow); position: relative; }
.form-card-head { display: flex; gap: .85rem; align-items: center; margin: -.25rem 0 1.5rem; padding-bottom: 1.1rem; border-bottom: 1px solid var(--sf-line-soft); }
.form-card-head > i { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--sf-gold-500); color: var(--sf-navy-950); font-size: 1.2rem; flex-shrink: 0; }
.form-card-head strong { display: block; color: var(--sf-ink); font-size: 1.1rem; }
.form-card-head span { font-size: .85rem; color: var(--sf-muted); }
.enquiry-section.is-highlighted .form-card-apply { animation: formFlash 1.4s ease-out 1; }
@keyframes formFlash { 0% { box-shadow: 0 0 0 0 rgba(212,164,65,.9); } 100% { box-shadow: 0 0 0 22px rgba(212,164,65,0); } }
.loan-preselected { font-size: .88rem; font-weight: 600; color: #115434; background: #DDF2E6; border-radius: var(--sf-radius-sm); padding: .55rem .8rem; margin-bottom: 1rem; display: flex; gap: .5rem; align-items: center; }

/* Floating WhatsApp (desktop) */
.wa-float { position: fixed; right: 1.5rem; bottom: 1.5rem; z-index: 1040; align-items: center; gap: .55rem; padding: .8rem 1.2rem .8rem 1rem; border-radius: 999px; background: #1B7F4D; color: #fff; font-weight: 700; text-decoration: none; box-shadow: 0 14px 30px -12px rgba(17,84,52,.7); transition: transform .2s, background .2s; }
.wa-float i { font-size: 1.4rem; }
.wa-float:hover { background: #156A40; color: #fff; transform: translateY(-2px); }

/* Mobile bar: Apply is the highlighted action */
.mobile-actions { grid-template-columns: 1fr 1fr 1.6fr; }
.mobile-action-primary { font-size: .85rem; font-weight: 700; }

/* Legal accordion on the contact page */
#legal .accordion-body.prose { background: #fff; font-size: .96rem; }
#legal .accordion-item { scroll-margin-top: 100px; }

/* =========================================================================
   APPLY FOR LOAN — popup (Bootstrap modal)
   ========================================================================= */
.apply-modal { --bs-modal-border-radius: var(--sf-radius-lg); --bs-modal-border-width: 0; --bs-modal-box-shadow: var(--sf-shadow-lg); }
.modal-backdrop { --bs-backdrop-bg: #071829; --bs-backdrop-opacity: .72; }
.apply-modal .modal-content { overflow: hidden; }
.apply-modal .modal-header { background: linear-gradient(120deg, var(--sf-navy-900), var(--sf-navy-800)); color: #fff; border-bottom: 3px solid var(--sf-gold-500); padding: 1.1rem 1.5rem; gap: .9rem; align-items: center; }
.apply-modal-icon { width: 46px; height: 46px; flex-shrink: 0; border-radius: 12px; display: grid; place-items: center; background: var(--sf-gold-500); color: var(--sf-navy-950); font-size: 1.3rem; }
.apply-modal .modal-title { font-family: var(--sf-font-display); font-weight: 600; font-size: 1.45rem; color: #fff; margin: 0; line-height: 1.2; }
.apply-modal-sub { margin: .2rem 0 0; font-size: .85rem; color: #BFE3CE; font-weight: 600; }
.apply-modal .btn-close { filter: invert(1) grayscale(1) brightness(2); opacity: .85; align-self: flex-start; margin-top: .25rem; }
.apply-modal .btn-close:focus { box-shadow: 0 0 0 .2rem var(--sf-gold-400); }
.apply-modal .modal-body { padding: 1.5rem; background: #fff; }
.apply-modal .form-card { border: 0; box-shadow: none; padding: 0; border-radius: 0; animation: none !important; }
.apply-modal .form-card-head { display: none; }
.apply-modal-foot { justify-content: flex-start; flex-wrap: nowrap; gap: .5rem; align-items: flex-start; font-size: .82rem; color: var(--sf-muted); background: var(--sf-cream); border-top: 1px solid var(--sf-line-soft); padding: .8rem 1.5rem; }
.apply-modal-foot i { color: var(--sf-teal-600); margin-top: .1rem; }
@media (max-width: 575.98px) {
  .apply-modal .modal-header { padding: 1rem; }
  .apply-modal .modal-title { font-size: 1.25rem; }
  .apply-modal .modal-body { padding: 1.1rem 1rem 1.5rem; }
  .apply-modal-foot { padding: .75rem 1rem; }
}
/* Shown on the page while the form is in the popup */
.form-placeholder { border: 2px dashed var(--sf-gold-500); border-radius: var(--sf-radius-lg); padding: 3rem 1.5rem; text-align: center; color: var(--sf-muted); background: #fff; }
.form-placeholder i { font-size: 2rem; color: var(--sf-gold-text); display: block; margin-bottom: .5rem; }

/* =========================================================================
   BANKS & LENDERS — highlighted band (home page)
   ========================================================================= */
.lenders-band { background: radial-gradient(900px 300px at 10% 0%, rgba(212,164,65,.18), transparent 60%), linear-gradient(180deg, var(--sf-navy-900), var(--sf-navy-950)); padding: clamp(2.75rem, 6vw, 4.25rem) 0; color: #CBD6E1; border-top: 3px solid var(--sf-gold-500); }
.lenders-head { text-align: center; max-width: 44rem; margin: 0 auto 2rem; }
.lenders-title { font-family: var(--sf-font-display); font-weight: 600; font-size: clamp(1.6rem, 3.2vw, 2.25rem); color: #fff; margin-bottom: .5rem; }
.lenders-sub { color: #CBD6E1; margin: 0; }
.lender-grid { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
.lender-tile { position: relative; min-height: 104px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .5rem; padding: 1.1rem .9rem; text-align: center; background: #fff; border-radius: var(--sf-radius); border: 2px solid transparent; box-shadow: 0 16px 34px -20px rgba(0,0,0,.6), 0 0 0 1px rgba(224,186,94,.35); transition: transform .2s, border-color .2s, box-shadow .2s; }
.lender-tile::before { content: ""; position: absolute; left: 18%; right: 18%; top: -2px; height: 4px; border-radius: 0 0 4px 4px; background: var(--sf-gold-500); }
.lender-tile:hover { transform: translateY(-4px); border-color: var(--sf-gold-500); box-shadow: 0 22px 40px -20px rgba(212,164,65,.8); }
.lender-tile img { max-width: 100%; max-height: 52px; width: auto; height: auto; object-fit: contain; }
.lender-name { font-family: var(--sf-font-display); font-weight: 600; font-size: 1.15rem; line-height: 1.2; color: var(--sf-navy-900); }
.lender-tile img + .lender-name { font-family: var(--sf-font-body); font-size: .78rem; font-weight: 600; color: var(--sf-muted); }
.lenders-foot { display: flex; flex-direction: column; align-items: center; gap: 1rem; margin-top: 2rem; text-align: center; }
.lenders-note { font-size: .82rem; color: #9FB0C2; max-width: 46rem; margin: 0; }
.lenders-note i { color: var(--sf-gold-400); }
@media (max-width: 991.98px) { .lender-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 575.98px) {
  .lender-grid { grid-template-columns: 1fr 1fr; gap: .75rem; }
  .lender-tile { min-height: 88px; }
  .lender-tile:last-child:nth-child(odd) { grid-column: 1 / -1; }
  .lender-name { font-size: 1rem; }
  .lenders-foot .btn { width: 100%; }
}

/* =========================================================================
   MOBILE MENU — loan services always listed (no tap-to-open needed)
   ========================================================================= */
@media (max-width: 991.98px) {
  #mainNav .dropdown-toggle { pointer-events: none; color: var(--sf-muted); font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding-bottom: .25rem !important; background: none; }
  #mainNav .dropdown-toggle::after { display: none; }
  #mainNav .dropdown-menu { display: block !important; position: static !important; transform: none !important; margin: 0 0 .5rem; padding: .25rem; }
}