/*
Theme Name: Ex Servicemen Finance
Theme URI: https://exservicemen.co.in/
Author: VisionWay
Author URI: https://exservicemen.co.in/
Description: Conversion-focused, ads-ready landing theme for Ex Servicemen Hire Purchase Finance Pvt Ltd (RBI-registered NBFC, Punjab). Includes a lead form that saves to WordPress and forwards to a Google Sheet, an EMI calculator, and built-in Meta Pixel + Google Ads/GA4 tracking. Configure phone, email, addresses and tracking IDs under Appearance > Customize.
Version: 1.0.1
Requires at least: 5.8
Tested up to: 6.6
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: exservicemen-finance
*/

/* =========================================================================
   EX SERVICEMEN FINANCE — v2 design system
   Fresh, premium, animated. White-dominant with a refined blue gradient
   accent. Distinct layout from v1: glass header, gradient-mesh hero,
   animated counters, framed "showcase" image sections, custom video player,
   bento grids. Fully responsive. Respects reduced-motion.
   ========================================================================= */

:root{
  --ink:#0E1A2B;
  --ink-2:#33425A;
  --muted:#5B6A80;
  --muted-2:#93A0B4;

  --line:#E9EDF4;
  --line-2:#DAE1EB;

  --bg:#FFFFFF;
  --soft:#F4F8FD;
  --soft-2:#EAF2FC;

  --blue:#1670CC;
  --blue-2:#2E92F0;
  --blue-3:#0C4FA0;
  --sky:#46B2FF;
  --blue-tint:#E9F3FE;
  --blue-tint-2:#D7E9FC;

  --grad:linear-gradient(135deg,#2E92F0 0%,#1466C7 100%);
  --grad-2:linear-gradient(135deg,#46B2FF 0%,#1670CC 100%);
  --grad-ink:linear-gradient(135deg,#10243E,#0A1A2F);

  --gold:#F2B23E;

  --r-sm:12px;
  --r:16px;
  --r-lg:22px;
  --r-xl:28px;
  --r-2xl:34px;

  --sh-xs:0 1px 2px rgba(14,26,43,.05);
  --sh-sm:0 2px 6px rgba(14,26,43,.06), 0 8px 20px -10px rgba(14,26,43,.10);
  --sh-md:0 10px 30px -8px rgba(14,26,43,.12);
  --sh-lg:0 26px 60px -22px rgba(14,26,43,.26);
  --sh-blue:0 16px 38px -12px rgba(22,112,204,.45);

  --maxw:1180px;
  --pad:clamp(18px,4.4vw,40px);

  --ff:'Poppins',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;font-family:var(--ff);color:var(--ink);background:var(--bg);
  line-height:1.62;font-size:16.5px;-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;overflow-x:hidden;
}
html,body{overflow-x:clip}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer}
h1,h2,h3,h4{font-family:var(--ff);margin:0;line-height:1.12;letter-spacing:-.02em;color:var(--ink);font-weight:700}
p{margin:0}
ul{margin:0}

.wrap{max-width:var(--maxw);margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}
.section{padding:clamp(60px,9vw,116px) 0;position:relative}
.soft{background:var(--soft)}
.center{text-align:center;margin-left:auto;margin-right:auto}

.eyebrow{
  display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:12.5px;
  letter-spacing:.14em;text-transform:uppercase;color:var(--blue-3);margin-bottom:16px;
}
.eyebrow::before{content:"";width:22px;height:2px;border-radius:2px;background:var(--grad)}
.s-head{max-width:700px}
.s-head.center{margin-inline:auto}
.s-head h2{font-size:clamp(28px,4.5vw,46px);font-weight:700}
.s-head p{margin-top:15px;color:var(--muted);font-size:clamp(15.5px,1.7vw,18.5px)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:600;font-size:15.5px;
  padding:14px 26px;border-radius:13px;border:1px solid transparent;white-space:nowrap;position:relative;overflow:hidden;
  transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease}
.btn:active{transform:translateY(1px)}
.btn-primary{color:#fff;background:var(--grad);box-shadow:var(--sh-blue)}
.btn-primary::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.35) 50%,transparent 70%);transform:translateX(-120%)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 22px 46px -12px rgba(22,112,204,.6)}
.btn-primary:hover::after{transform:translateX(120%);transition:transform .8s ease}
.btn-ghost{background:#fff;border:1px solid var(--line-2);color:var(--ink)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue-3);transform:translateY(-2px);box-shadow:var(--sh-sm)}
.btn-light{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.4);color:#fff;backdrop-filter:blur(6px)}
.btn-light:hover{background:rgba(255,255,255,.24);transform:translateY(-2px)}
.btn-block{width:100%}
.btn svg{flex:0 0 auto}

/* ---------- keyframes ---------- */
@keyframes floatBlob{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(18px,-22px) scale(1.06)}}
@keyframes floatBlob2{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-22px,16px) scale(1.08)}}
@keyframes pulseDot{0%{box-shadow:0 0 0 0 rgba(31,170,99,.5)}70%{box-shadow:0 0 0 10px rgba(31,170,99,0)}100%{box-shadow:0 0 0 0 rgba(31,170,99,0)}}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes spinSlow{to{transform:rotate(360deg)}}

/* reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1!important;transform:none!important}
  .blob,.float-card{animation:none!important}
  *{scroll-behavior:auto!important}
}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:8px}

/* decorative blob */
.blob{position:absolute;border-radius:50%;filter:blur(46px);opacity:.5;pointer-events:none;z-index:0}

/* ============================ TOP BAR ============================ */
.topbar{background:var(--grad-ink);color:rgba(255,255,255,.82);font-size:13px}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;min-height:42px;gap:18px}
.topbar a{display:inline-flex;align-items:center;gap:7px;font-weight:500;color:rgba(255,255,255,.82)}
.topbar a:hover{color:#fff}
.topbar .tb-left{display:flex;gap:22px;align-items:center}
.topbar .tb-badge{display:inline-flex;align-items:center;gap:7px;color:#cfe3fb;font-weight:600}
@media (max-width:760px){.topbar{display:none}}

/* ============================ HEADER ============================ */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.82);backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid var(--line);transition:box-shadow .25s ease,background .25s ease}
.site-header.scrolled{box-shadow:0 8px 30px -12px rgba(14,26,43,.18);background:rgba(255,255,255,.92)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:18px}
.brand{display:flex;align-items:center;gap:13px;flex:0 0 auto;min-width:0}
.brand-mark{height:52px;width:auto;display:block;flex:0 0 auto;filter:drop-shadow(0 3px 6px rgba(14,26,43,.14))}
.brand-text{display:flex;flex-direction:column;line-height:1.14;min-width:0}
.brand-name{font-family:var(--ff);font-weight:800;font-size:20.5px;letter-spacing:.015em;color:var(--ink);text-transform:uppercase;white-space:nowrap}
.brand-sub{font-weight:600;font-size:11.5px;letter-spacing:.09em;color:var(--blue-3);text-transform:uppercase;white-space:nowrap;margin-top:3px}
.brand:hover .brand-name{color:var(--blue-3)}
.nav{display:flex;align-items:center;gap:30px}
.nav a{font-weight:500;font-size:15px;color:var(--ink-2);position:relative;padding:6px 0}
.nav a::after{content:"";position:absolute;left:0;right:100%;bottom:-2px;height:2px;border-radius:2px;background:var(--grad);transition:right .25s ease}
.nav a:hover{color:var(--blue-3)}
.nav a:hover::after{right:0}
.header-cta{display:flex;align-items:center;gap:14px}
.hcta-short{display:none}
.header-phone{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--ink);font-size:15px}
.header-phone svg{color:var(--blue)}
.burger{display:none;border:1px solid var(--line-2);background:#fff;width:48px;height:48px;border-radius:14px;align-items:center;justify-content:center}
.burger span{display:block;width:20px;height:2px;background:var(--ink);position:relative;transition:.2s}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--ink);transition:.2s}
.burger span::before{top:-6px}.burger span::after{top:6px}
body.menu-open .burger span{background:transparent}
body.menu-open .burger span::before{top:0;transform:rotate(45deg)}
body.menu-open .burger span::after{top:0;transform:rotate(-45deg)}
@media (max-width:1000px){.nav,.header-phone{display:none}.burger{display:inline-flex}.header-cta .btn{padding:11px 18px}}
@media (max-width:600px){
  .header-inner{gap:10px}
  .brand{gap:9px;flex:1 1 auto;min-width:0}
  .brand-mark{height:40px}
  .brand-name{font-size:15px;overflow:hidden;text-overflow:ellipsis}
  .brand-sub{display:none}
  .header-cta{gap:9px;flex:0 0 auto}
  .header-cta .btn{padding:10px 14px;font-size:14px;border-radius:11px}
  .burger{width:44px;height:44px;border-radius:12px}
  .hcta-full{display:none}
  .hcta-short{display:inline}
  .badge-pill{flex-wrap:wrap;row-gap:5px;font-size:12.5px}
}
@media (max-width:440px){.badge-pill .sep{display:none}}
@media (max-width:400px){.brand-mark{height:36px}.brand-name{font-size:13.5px}}
@media (max-width:360px){.brand-mark{height:34px}.brand-name{font-size:12.5px}.header-cta .btn{padding:9px 12px;font-size:13.5px}}

/* mobile menu */
.mobile-menu{position:fixed;inset:0;z-index:55;background:rgba(14,26,43,.4);opacity:0;pointer-events:none;overflow:hidden;transition:opacity .22s ease}
.mobile-menu .panel{position:absolute;top:0;right:0;height:100%;width:min(86vw,360px);background:#fff;padding:26px 24px;
  display:flex;flex-direction:column;gap:6px;transform:translateX(100%);transition:transform .28s cubic-bezier(.2,.7,.2,1);
  box-shadow:var(--sh-lg);padding-top:max(26px,env(safe-area-inset-top))}
body.menu-open .mobile-menu{opacity:1;pointer-events:auto}
body.menu-open .mobile-menu .panel{transform:none}
.mobile-menu a{padding:14px 8px;border-bottom:1px solid var(--line);font-weight:600;font-size:18px;color:var(--ink)}
.mobile-menu .mm-actions{margin-top:auto;display:flex;flex-direction:column;gap:12px;padding-top:20px}

/* ============================ HERO ============================ */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(900px 520px at 86% -8%, var(--blue-tint), transparent 60%),
  radial-gradient(700px 480px at -6% 108%, #EFF4FB, transparent 55%),
  linear-gradient(180deg,#FBFDFF,#FFFFFF 60%);border-bottom:1px solid var(--line)}
.hero .b1{width:420px;height:420px;top:-120px;right:-80px;background:radial-gradient(circle,#bfe0ff,transparent 70%);animation:floatBlob 13s ease-in-out infinite}
.hero .b2{width:360px;height:360px;bottom:-140px;left:-100px;background:radial-gradient(circle,#dbe9ff,transparent 70%);animation:floatBlob2 16s ease-in-out infinite}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:clamp(28px,4.6vw,62px);align-items:center;
  padding:clamp(40px,6vw,80px) 0 clamp(50px,7vw,88px)}
.hero-copy{max-width:580px}
.badge-pill{display:inline-flex;align-items:center;gap:10px;padding:8px 15px 8px 11px;border-radius:999px;background:#fff;
  border:1px solid var(--line-2);box-shadow:var(--sh-xs);font-size:13px;font-weight:600;color:var(--ink-2);margin-bottom:22px}
.badge-pill .rbi{display:inline-flex;align-items:center;gap:7px;color:var(--blue-3)}
.badge-pill .sep{width:4px;height:4px;border-radius:50%;background:var(--muted-2)}
.hero h1{font-size:clamp(34px,5.6vw,60px);font-weight:700;letter-spacing:-.03em}
.hero h1 .grad{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-sub{margin-top:20px;font-size:clamp(15.5px,1.85vw,19px);color:var(--muted);max-width:540px}
.hero-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.hero-chips .chip{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:var(--blue-tint);
  color:var(--blue-3);font-weight:600;font-size:13.5px}
.hero-chips .chip svg{color:var(--blue)}
.hero-actions{margin-top:30px;display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero-trust{margin-top:28px;display:flex;align-items:center;gap:14px}
.hero-trust .avs{display:flex}
.hero-trust .avs span{width:38px;height:38px;border-radius:50%;border:2.5px solid #fff;margin-left:-12px;display:flex;align-items:center;
  justify-content:center;font-weight:700;font-size:14px;color:#fff;background:var(--grad-2);box-shadow:var(--sh-xs)}
.hero-trust .avs span:first-child{margin-left:0}
.hero-trust .rt b{display:block;font-size:14px;color:var(--ink)}
.hero-trust .rt .stars{display:inline-flex;align-items:center;gap:2.5px;color:var(--gold);vertical-align:-2px}
.hero-trust .rt .stars svg{width:13px;height:13px}
.hero-trust .rt small{color:var(--muted);font-size:12.5px}

/* hero form card */
.form-card{background:#fff;border-radius:var(--r-xl);box-shadow:var(--sh-lg);border:1px solid var(--line);
  position:relative;overflow:hidden;padding:clamp(22px,3vw,30px)}
.form-card::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--grad)}
.form-head{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:16px}
.form-head h3{font-size:23px;font-weight:700;letter-spacing:-.02em}
.form-head p{color:var(--muted);font-size:14px;margin-top:5px}
.free-badge{flex:0 0 auto;font-weight:600;font-size:11.5px;letter-spacing:.03em;background:var(--blue-tint);color:var(--blue-3);
  padding:7px 12px;border-radius:999px;display:inline-flex;align-items:center;gap:6px}

/* ---------- WPForms styling + fixes (scoped) ---------- */
.wpforms-embed *{box-sizing:border-box}
.wpforms-embed .wpforms-field{padding:0 0 12px !important}
.wpforms-embed .wpforms-field-label{font-family:var(--ff) !important;font-weight:600 !important;font-size:13px !important;color:var(--ink-2) !important;margin:0 0 6px !important}
.wpforms-embed .wpforms-required-label{color:var(--blue) !important}
.wpforms-embed .wpforms-field-sublabel{font-size:11.5px !important;color:var(--muted-2) !important;font-weight:400 !important;margin-top:4px !important}
.wpforms-embed .wpforms-field-description{font-size:12px !important;color:var(--muted) !important}
.wpforms-embed input[type=text],
.wpforms-embed input[type=email],
.wpforms-embed input[type=tel],
.wpforms-embed input[type=number],
.wpforms-embed input[type=url],
.wpforms-embed select,
.wpforms-embed textarea{
  width:100% !important;height:auto !important;border:1.6px solid var(--line-2) !important;background:#fff !important;
  border-radius:12px !important;padding:12px 14px !important;font-family:var(--ff) !important;font-size:15.5px !important;
  color:var(--ink) !important;box-shadow:none !important;transition:border-color .15s ease,box-shadow .15s ease !important}
.wpforms-embed input:focus,.wpforms-embed select:focus,.wpforms-embed textarea:focus{
  outline:none !important;border-color:var(--blue) !important;box-shadow:0 0 0 4px rgba(46,146,240,.14) !important}
.wpforms-embed select{appearance:auto !important}
/* International phone field (intl-tel-input) — keep number clear of the flag */
.wpforms-embed .iti{display:block !important;width:100% !important;position:relative}
.wpforms-embed .iti input,
.wpforms-embed .iti input[type=tel],
.wpforms-embed .iti input[type=text]{padding-left:54px !important}
.wpforms-embed .iti--allow-dropdown .iti__flag-container,
.wpforms-embed .iti__flag-container{left:0;padding:0 4px}
.wpforms-embed .iti__selected-flag{padding:0 8px 0 12px;border-radius:12px 0 0 12px}
/* submit */
.wpforms-embed .wpforms-submit,
.wpforms-embed button[type=submit]{background:var(--grad) !important;color:#fff !important;border:none !important;border-radius:13px !important;
  padding:14px 26px !important;font-family:var(--ff) !important;font-weight:600 !important;font-size:15.5px !important;width:100% !important;
  cursor:pointer !important;box-shadow:var(--sh-blue) !important;transition:transform .2s ease,box-shadow .2s ease !important}
.wpforms-embed .wpforms-submit:hover{transform:translateY(-2px) !important;box-shadow:0 20px 44px -12px rgba(22,112,204,.6) !important}
.wpforms-embed .wpforms-submit-container{padding-top:4px !important}

@media (max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:30px}
  .form-card{order:2}
}

/* ============================ STATS ============================ */
.stats{position:relative;z-index:2;margin-top:-46px}
.stats .wrap{position:relative}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 24px;box-shadow:var(--sh-md);
  position:relative;overflow:hidden;transition:transform .25s ease,box-shadow .25s ease}
.stat-card:hover{transform:translateY(-5px);box-shadow:var(--sh-lg)}
.stat-ic{width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;color:#fff;
  background:var(--grad);margin-bottom:16px;box-shadow:var(--sh-blue)}
.stat-ic svg{width:23px;height:23px}
.stat-num{font-weight:800;font-size:clamp(30px,3.4vw,42px);letter-spacing:-.03em;line-height:1;display:flex;align-items:baseline;gap:3px;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat-num .unit{font-size:16px;font-weight:700}
.stat-label{margin-top:8px;color:var(--muted);font-size:14px;font-weight:500}
@media (max-width:760px){.stats{margin-top:-30px}.stats-grid{grid-template-columns:1fr 1fr}}

/* ============================ SHOWCASE (image + copy) ============================ */
.showcase{overflow:hidden}
.showcase-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,72px);align-items:center;position:relative;z-index:1}
.showcase-grid.rev .sc-media{order:2}
.sc-media{position:relative}
.sc-frame{position:relative;border-radius:var(--r-xl);overflow:hidden;border:1px solid var(--line);box-shadow:var(--sh-lg);background:var(--soft);
  z-index:2;transform:rotate(-1.4deg);transition:transform .4s ease}
.showcase-grid.rev .sc-frame{transform:rotate(1.4deg)}
.sc-media:hover .sc-frame{transform:rotate(0)}
.sc-frame img{width:100%;height:auto;display:block}
.sc-deco{position:absolute;width:62%;height:62%;border-radius:var(--r-xl);background:var(--grad);opacity:.1;z-index:1;
  bottom:-22px;right:-22px;filter:blur(2px)}
.showcase-grid.rev .sc-deco{right:auto;left:-22px}
.float-card{position:absolute;z-index:3;background:#fff;border:1px solid var(--line);border-radius:16px;padding:13px 16px;box-shadow:var(--sh-lg);
  display:flex;align-items:center;gap:11px;animation:floatY 5s ease-in-out infinite}
.float-card .fc-ic{width:38px;height:38px;border-radius:11px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.float-card b{display:block;font-size:14px;font-weight:700;color:var(--ink);line-height:1.1}
.float-card span{font-size:12px;color:var(--muted)}
.float-card.fc-tl{top:18px;left:-26px;animation-delay:.4s}
.float-card.fc-br{bottom:18px;right:-22px}
.sc-copy h2{font-size:clamp(26px,3.8vw,42px);font-weight:700;letter-spacing:-.02em}
.sc-copy p{margin-top:14px;color:var(--muted);font-size:16px}
.sc-list{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-direction:column;gap:13px}
.sc-list li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--ink-2);font-weight:500}
.sc-list li .ck{flex:0 0 auto;width:24px;height:24px;border-radius:8px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;margin-top:1px}
.sc-cta{margin-top:28px;display:flex;flex-wrap:wrap;gap:12px}
@media (max-width:900px){
  .showcase-grid{grid-template-columns:1fr;gap:54px}
  .showcase-grid.rev .sc-media{order:0}
  .sc-frame,.showcase-grid.rev .sc-frame{transform:none}
  .float-card.fc-tl{left:-10px}.float-card.fc-br{right:-10px}
}
@media (max-width:520px){.float-card{display:none}}

/* ============================ LOAN PRODUCTS (bento) ============================ */
.loans{background:var(--soft)}
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:48px}
.loan-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;overflow:hidden;
  display:flex;flex-direction:column;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.loan-card::after{content:"";position:absolute;inset:0;background:var(--grad);opacity:0;transition:opacity .3s ease;z-index:0}
.loan-card>*{position:relative;z-index:1}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--sh-lg);border-color:transparent;color:#fff}
.loan-card:hover::after{opacity:1}
.loan-ic{width:54px;height:54px;border-radius:15px;display:flex;align-items:center;justify-content:center;background:var(--blue-tint);
  color:var(--blue-3);margin-bottom:18px;transition:background .3s ease,color .3s ease}
.loan-card:hover .loan-ic{background:rgba(255,255,255,.2);color:#fff}
.loan-ic svg{width:27px;height:27px}
.loan-card h3{font-size:19px;font-weight:600}
.loan-card p{margin-top:10px;color:var(--muted);font-size:14.5px;flex:1 0 auto;transition:color .3s ease}
.loan-card:hover p{color:rgba(255,255,255,.9)}
.loan-tags{display:flex;flex-wrap:wrap;gap:7px;margin:16px 0 18px}
.loan-tags span{font-size:12px;font-weight:500;color:var(--ink-2);background:var(--soft);border:1px solid var(--line);padding:5px 11px;border-radius:999px;transition:.3s}
.loan-card:hover .loan-tags span{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.25);color:#fff}
.loan-apply{display:inline-flex;align-items:center;gap:7px;font-weight:600;color:var(--blue-3);font-size:14.5px;transition:color .3s ease}
.loan-card:hover .loan-apply{color:#fff}
.loan-apply svg{transition:transform .2s ease}
.loan-card:hover .loan-apply svg{transform:translateX(4px)}
@media (max-width:920px){.loan-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr}}

/* ============================ CTA BAND ============================ */
.cta-sec{padding:clamp(44px,6vw,88px) 0}
.cta-band{position:relative;border-radius:var(--r-2xl);overflow:hidden;min-height:300px;display:flex;align-items:center;
  background-color:#0B1E38;background-size:cover;background-position:center;box-shadow:var(--sh-lg)}
.cta-band::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(8,20,38,.94) 0%,rgba(10,40,80,.7) 50%,rgba(12,60,120,.32) 100%)}
.cta-band .ci{position:relative;z-index:1;padding:clamp(32px,5vw,60px);max-width:660px;color:#fff}
.cta-band .eyebrow{color:#9FC8F5}.cta-band .eyebrow::before{background:#9FC8F5}
.cta-band h2{color:#fff;font-size:clamp(26px,3.8vw,42px);font-weight:700;letter-spacing:-.02em}
.cta-band p{margin-top:13px;color:#d6e4f5;font-size:16.5px;max-width:500px}
.cta-band .btn{margin-top:26px}

/* ============================ WHY (bento) ============================ */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:48px}
.why-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;transition:transform .25s ease,box-shadow .25s ease}
.why-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.why-ic{width:50px;height:50px;border-radius:14px;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:16px;box-shadow:var(--sh-blue)}
.why-ic svg{width:24px;height:24px}
.why-card h3{font-size:18px;font-weight:600}
.why-card p{margin-top:9px;color:var(--muted);font-size:14.5px}
@media (max-width:920px){.why-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.why-grid{grid-template-columns:1fr}}

/* ============================ EMI CALCULATOR ============================ */
.calc-shell{display:grid;grid-template-columns:1.12fr .88fr;gap:0;margin-top:48px;border:1px solid var(--line);border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--sh-md)}
.calc-controls{padding:clamp(26px,3.4vw,42px);background:#fff}
.crow{margin-bottom:26px}.crow:last-child{margin-bottom:0}
.crow .clabel{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px}
.crow .clabel span{font-weight:500;color:var(--ink-2);font-size:15px}
.cval{font-weight:700;color:var(--ink);font-size:20px;letter-spacing:-.01em}
.cval small{font-weight:500;font-size:13px;color:var(--muted)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;outline:none;
  background:linear-gradient(90deg,var(--blue) 0%,var(--blue) var(--fill,40%),var(--line-2) var(--fill,40%),var(--line-2) 100%)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;
  border:5px solid var(--blue);box-shadow:0 3px 10px rgba(22,112,204,.4);cursor:pointer;transition:transform .12s ease}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.1)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--blue);box-shadow:0 3px 10px rgba(22,112,204,.4);cursor:pointer}
.crange-meta{display:flex;justify-content:space-between;margin-top:8px;font-size:12px;color:var(--muted-2);font-weight:500}
.calc-result{background:var(--grad-ink);color:#fff;padding:clamp(26px,3.4vw,42px);display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.calc-result .rb{position:absolute;width:240px;height:240px;top:-80px;right:-80px;background:radial-gradient(circle,rgba(70,178,255,.4),transparent 70%);border-radius:50%}
.calc-result>*{position:relative;z-index:1}
.calc-result .rlabel{font-size:13.5px;color:#a9c4e4;font-weight:500}
.emi-big{font-weight:800;font-size:clamp(38px,6vw,54px);letter-spacing:-.03em;margin:6px 0 4px;line-height:1}
.emi-big small{font-size:18px;font-weight:600;color:#bdd3ec}
.donut-wrap{display:flex;align-items:center;gap:22px;margin:26px 0}
.donut{width:118px;height:118px;border-radius:50%;flex:0 0 auto;background:conic-gradient(var(--sky) 0 var(--p,30%),rgba(255,255,255,.16) var(--p,30%) 100%);display:flex;align-items:center;justify-content:center;position:relative}
.donut::after{content:"";position:absolute;width:80px;height:80px;border-radius:50%;background:#0E2138}
.donut .dctr{position:relative;z-index:1;text-align:center}
.donut .dctr b{font-weight:800;font-size:16px}
.donut .dctr span{font-size:10px;color:#a9c4e4;display:block}
.dlegend{display:flex;flex-direction:column;gap:14px;font-size:14px}
.dlegend .li{display:flex;align-items:center;gap:10px}
.dlegend .sw{width:12px;height:12px;border-radius:4px;flex:0 0 auto}
.dlegend .li b{font-weight:700;display:block;font-size:16px}
.dlegend .li span{color:#a9c4e4;font-size:12.5px}
.calc-result .btn{margin-top:8px}
.calc-note{font-size:11.5px;color:#86a0bf;margin-top:16px;line-height:1.5}
@media (max-width:860px){.calc-shell{grid-template-columns:1fr}}

/* ============================ STEPS (timeline) ============================ */
.steps-wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:50px;position:relative}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:32px 28px;box-shadow:var(--sh-sm);transition:transform .25s ease,box-shadow .25s ease}
.step:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.step .num{width:48px;height:48px;border-radius:14px;background:var(--grad);color:#fff;font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;box-shadow:var(--sh-blue)}
.step h3{font-size:19px;font-weight:600}
.step p{margin-top:10px;color:var(--muted);font-size:14.5px}
.step .arrow{position:absolute;top:50px;right:-30px;color:var(--line-2);z-index:2}
.step:last-child .arrow{display:none}
@media (max-width:820px){.steps-wrap{grid-template-columns:1fr}.step .arrow{display:none}}

/* ============================ VIDEO (custom player) ============================ */
.video-wrap{position:relative;max-width:980px;margin:46px auto 0;border-radius:var(--r-2xl);overflow:hidden;box-shadow:var(--sh-lg);background:#0A1A2F;aspect-ratio:16/9}
.promo-video{width:100%;height:100%;display:block;object-fit:cover;background:#0A1A2F}
.video-cover{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;cursor:pointer;z-index:2;
  background:linear-gradient(180deg,rgba(10,26,47,.18),rgba(10,26,47,.55))}
.video-cover.hidden{opacity:0;pointer-events:none;transition:opacity .4s ease}
.video-play{width:84px;height:84px;border-radius:50%;border:none;background:#fff;display:flex;align-items:center;justify-content:center;
  box-shadow:0 14px 40px -8px rgba(0,0,0,.5);position:relative;transition:transform .2s ease}
.video-play::before{content:"";position:absolute;inset:-12px;border-radius:50%;background:rgba(255,255,255,.3);z-index:-1;animation:pulseRing 2.4s ease-out infinite}
@keyframes pulseRing{0%{transform:scale(.9);opacity:.7}100%{transform:scale(1.5);opacity:0}}
.video-play svg{width:30px;height:30px;color:var(--blue-3);margin-left:4px}
.video-cover:hover .video-play{transform:scale(1.08)}
.video-cap{position:absolute;left:0;right:0;bottom:0;padding:24px;background:linear-gradient(0deg,rgba(8,18,34,.85),transparent);color:#fff;z-index:2;pointer-events:none}
.video-cap.hidden{opacity:0;transition:opacity .3s ease}
.video-cap b{font-size:17px;font-weight:600;display:block}
.video-cap span{font-size:13.5px;color:#cdddf0}
@media (max-width:560px){.video-play{width:66px;height:66px}.video-play svg{width:24px;height:24px}}

/* ============================ ELIGIBILITY ============================ */
.elig-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}
.epanel{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(26px,3vw,38px);box-shadow:var(--sh-sm)}
.epanel .eh{display:flex;align-items:center;gap:14px;margin-bottom:22px}
.epanel .eh .ei{width:50px;height:50px;border-radius:14px;display:flex;align-items:center;justify-content:center;color:#fff;flex:0 0 auto;box-shadow:var(--sh-blue)}
.epanel.who .ei{background:var(--grad)}
.epanel.docs .ei{background:var(--grad-ink)}
.epanel .eh h3{font-size:20px;font-weight:600}
.elist{list-style:none;padding:0;display:flex;flex-direction:column;gap:13px}
.elist li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--ink-2)}
.elist li .ck{flex:0 0 auto;width:24px;height:24px;border-radius:8px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;margin-top:1px}
.epanel .enote{margin-top:20px;padding-top:16px;border-top:1px dashed var(--line-2);font-size:13px;color:var(--muted)}
@media (max-width:820px){.elig-grid{grid-template-columns:1fr}}

/* ============================ TESTIMONIALS ============================ */
.testi{background:var(--soft)}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:48px}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:30px 28px;position:relative;box-shadow:var(--sh-sm);transition:transform .25s ease,box-shadow .25s ease}
.tcard:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.tcard .qm{position:absolute;top:22px;right:24px;width:40px;height:40px;border-radius:11px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:24px}
.tcard .stars{display:flex;align-items:center;gap:3px;color:var(--gold);margin-bottom:14px}
.tcard .stars svg{width:16px;height:16px}
.tcard p{color:var(--ink-2);font-size:15px}
.tperson{display:flex;align-items:center;gap:13px;margin-top:22px;padding-top:18px;border-top:1px solid var(--line)}
.tavatar{width:46px;height:46px;border-radius:50%;flex:0 0 auto;display:flex;align-items:center;justify-content:center;font-weight:700;color:#fff;font-size:17px;background:var(--grad-2)}
.tperson b{display:block;font-weight:600;font-size:15px}
.tperson span{font-size:13px;color:var(--muted)}
@media (max-width:920px){.testi-grid{grid-template-columns:1fr}.testi-grid .tcard:nth-child(n+2){display:none}}
@media (min-width:921px){.testi-grid .tcard{display:block}}

/* ============================ FAQ ============================ */
.faq-grid{max-width:860px;margin:44px auto 0;display:flex;flex-direction:column;gap:12px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:box-shadow .2s ease,border-color .2s ease}
.faq-item[open]{box-shadow:var(--sh-sm);border-color:var(--line-2)}
.faq-item summary{list-style:none;cursor:pointer;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;font-weight:600;font-size:16.5px;color:var(--ink)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item .fic{flex:0 0 auto;width:30px;height:30px;border-radius:9px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;transition:transform .25s ease,background .25s ease;color:var(--blue-3)}
.faq-item[open] .fic{transform:rotate(45deg);background:var(--grad);color:#fff}
.faq-item .fbody{padding:0 24px 22px;color:var(--muted);font-size:15px;line-height:1.65}

/* ============================ CONTACT ============================ */
.contact-card{background:var(--grad-ink);border-radius:var(--r-2xl);overflow:hidden;display:grid;grid-template-columns:1fr 1fr;color:#fff;box-shadow:var(--sh-lg);position:relative}
.contact-card .cb{position:absolute;width:300px;height:300px;top:-100px;left:-60px;background:radial-gradient(circle,rgba(70,178,255,.3),transparent 70%);border-radius:50%}
.contact-left{padding:clamp(32px,4vw,56px);position:relative;z-index:1}
.contact-left .eyebrow{color:#9FC8F5}.contact-left .eyebrow::before{background:#9FC8F5}
.contact-left h2{font-size:clamp(26px,3.6vw,40px);font-weight:700;color:#fff}
.contact-left p{margin-top:13px;color:#c2d6ec;font-size:16px;max-width:430px}
.cmethods{margin-top:30px;display:flex;flex-direction:column;gap:18px}
.cmethod{display:flex;gap:14px;align-items:flex-start}
.cmethod .ci{width:46px;height:46px;border-radius:13px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;flex:0 0 auto;color:#9FC8F5}
.cmethod .ct b{display:block;font-weight:600;font-size:11px;letter-spacing:.07em;text-transform:uppercase;color:#90a8c6}
.cmethod .ct a,.cmethod .ct span{font-size:16px;color:#fff;font-weight:600}
.cmethod .ct a:hover{color:#9FC8F5}
.contact-actions{margin-top:30px;display:flex;flex-wrap:wrap;gap:12px}
.contact-right{position:relative;z-index:1;background:rgba(255,255,255,.04);padding:clamp(26px,3vw,40px) clamp(26px,3vw,40px) 0}
.offices{display:flex;flex-direction:column;gap:16px}
.office{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:18px 20px}
.office .tag{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:11.5px;letter-spacing:.05em;text-transform:uppercase;color:#9FC8F5;margin-bottom:10px}
.office address{font-style:normal;color:#cdddf0;font-size:14px;line-height:1.6}
.office .odir{display:inline-flex;align-items:center;gap:6px;margin-top:12px;font-weight:600;color:#9FC8F5;font-size:14px}
.contact-map{border:0;width:100%;height:200px;display:block;margin-top:18px;border-radius:16px 16px 0 0;filter:grayscale(.15)}
@media (max-width:860px){.contact-card{grid-template-columns:1fr}}

/* ============================ FOOTER ============================ */
.site-footer{background:var(--soft);color:var(--muted);font-size:14.5px;border-top:1px solid var(--line)}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px;padding:clamp(48px,6vw,76px) 0 44px}
.footer-brand .brand{margin-bottom:18px}
.footer-brand .brand-mark{height:54px}
.footer-brand .brand-name{font-size:19px}
.footer-brand p{max-width:330px;color:var(--muted);font-size:14px}
.fsocial{display:flex;gap:10px;margin-top:22px}
.fsocial a{width:40px;height:40px;border-radius:12px;background:#fff;border:1px solid var(--line-2);display:flex;align-items:center;justify-content:center;color:var(--muted);transition:.2s}
.fsocial a:hover{background:var(--grad);color:#fff;border-color:transparent;transform:translateY(-2px)}
.fcol h4{font-weight:600;color:var(--ink);font-size:13.5px;letter-spacing:.03em;text-transform:uppercase;margin-bottom:18px}
.fcol ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:11px}
.fcol a{color:var(--muted);font-size:14.5px}.fcol a:hover{color:var(--blue-3)}
.fcontact{padding:0;margin:0}
.fcontact li{display:flex;gap:10px;align-items:flex-start;color:var(--muted);font-size:14px;margin-bottom:13px;list-style:none}
.fcontact svg{flex:0 0 auto;margin-top:3px;color:var(--blue)}
.compliance{border-top:1px solid var(--line-2);padding:24px 0;font-size:12.5px;color:var(--muted-2);line-height:1.7}
.compliance .ftrust{display:flex;flex-wrap:wrap;gap:10px 26px;margin-bottom:14px}
.compliance .ftrust .ft{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:13px;color:var(--ink-2)}
.compliance .ftrust .ft svg{color:var(--blue);flex:0 0 auto}
.compliance a{color:var(--muted);text-decoration:underline}
.footer-bottom{border-top:1px solid var(--line-2);padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--muted-2)}
.footer-bottom a{color:var(--muted)}.footer-bottom a:hover{color:var(--blue-3)}
.footer-bottom .fb-links{display:flex;gap:20px;flex-wrap:wrap}
@media (max-width:900px){.footer-top{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-top{grid-template-columns:1fr}}

/* ============================ FLOAT + MOBILE CTA ============================ */
.wa-float{position:fixed;right:18px;bottom:20px;z-index:50;width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;color:#fff;box-shadow:0 12px 30px -6px rgba(37,211,102,.5);transition:transform .2s ease}
.wa-float::before{content:"";position:absolute;inset:0;border-radius:50%;animation:pulseDot 2.4s ease-out infinite}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:31px;height:31px}
.mobile-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:52;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-top:1px solid var(--line);padding:10px 12px;padding-bottom:calc(10px + env(safe-area-inset-bottom));gap:10px;box-shadow:0 -8px 24px rgba(14,26,43,.1)}
.mobile-cta .btn{flex:1;padding:13px 10px;font-size:15px}
.mobile-cta .call{background:#fff;border:1.6px solid var(--blue);color:var(--blue-3)}
@media (max-width:760px){.mobile-cta{display:flex}.wa-float{bottom:84px;width:52px;height:52px}.wa-float svg{width:28px;height:28px}body{padding-bottom:74px}}

/* ============================ WP CONTENT PAGES (page.php) ============================ */
.exs-page-hero{background:var(--soft);border-bottom:1px solid var(--line);padding:clamp(40px,7vw,72px) 0}
.exs-page-hero h1{font-size:clamp(28px,5vw,44px);font-weight:700}
.exs-page-body{padding:clamp(40px,6vw,68px) 0 80px}
.exs-page-body .wrap{max-width:880px}
.exs-page-body h2{font-weight:600;font-size:22px;margin:36px 0 12px;color:var(--ink)}
.exs-page-body h3{font-weight:600;font-size:17px;margin:24px 0 8px;color:var(--ink)}
.exs-page-body p{margin:0 0 14px;color:var(--ink-2)}
.exs-page-body ul,.exs-page-body ol{margin:0 0 16px;padding-left:20px;color:var(--ink-2)}
.exs-page-body li{margin-bottom:8px}
.exs-page-body a{color:var(--blue-3);text-decoration:underline}
.exs-page-back{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:14px;color:var(--blue-3);margin-bottom:20px}

/* =========================================================================
   MULTI-PAGE ADDITIONS — dropdown nav, page heroes, tables, partners, etc.
   ========================================================================= */

/* ---- desktop dropdown nav ---- */
.nav .has-drop{position:relative}
.nav .has-drop>a{display:inline-flex;align-items:center;gap:5px}
.nav .caret{transition:transform .2s ease}
.nav .has-drop:hover .caret{transform:rotate(180deg)}
.nav .dropdown{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(10px);min-width:300px;background:#fff;
  border:1px solid var(--line);border-radius:18px;box-shadow:var(--sh-lg);padding:10px;opacity:0;visibility:hidden;transition:opacity .2s ease,transform .2s ease,visibility .2s;z-index:70}
.nav .has-drop::after{content:"";position:absolute;top:100%;left:0;right:0;height:14px}
.nav .has-drop:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(8px)}
.nav .dropdown a{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border-radius:12px;color:var(--ink-2);font-size:14px}
.nav .dropdown a::after{display:none}
.nav .dropdown a:hover{background:var(--soft);color:var(--blue-3);transform:none}
.nav .dropdown a .di{width:36px;height:36px;border-radius:10px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.nav .dropdown a b{display:block;font-weight:600;font-size:14px;color:var(--ink)}
.nav .dropdown a span span{font-size:12px;color:var(--muted);font-weight:400}

/* ---- mobile menu accordion ---- */
.mobile-menu .mm-drop{border-bottom:1px solid var(--line)}
.mobile-menu .mm-drop summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:14px 8px;font-weight:600;font-size:18px;color:var(--ink)}
.mobile-menu .mm-drop summary::-webkit-details-marker{display:none}
.mobile-menu .mm-drop summary svg{transition:transform .2s ease;color:var(--muted)}
.mobile-menu .mm-drop[open] summary svg{transform:rotate(180deg)}
.mobile-menu .mm-sub{display:flex;flex-direction:column;padding:2px 0 10px 14px}
.mobile-menu .mm-sub a{font-size:15.5px;font-weight:500;color:var(--ink-2);padding:11px 8px;border-bottom:1px solid var(--line)}
.mobile-menu .mm-sub a:last-child{border-bottom:none}

/* ---- page hero + breadcrumb ---- */
.page-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);padding:clamp(30px,4.5vw,58px) 0 clamp(40px,6vw,72px);
  background:radial-gradient(820px 440px at 88% -25%,var(--blue-tint),transparent 60%),radial-gradient(600px 400px at -8% 120%,#EFF4FB,transparent 55%),linear-gradient(180deg,#FBFDFF,#fff 70%)}
.page-hero .b1{width:380px;height:380px;top:-150px;right:-90px;background:radial-gradient(circle,#cfe6ff,transparent 70%);animation:floatBlob 14s ease-in-out infinite}
.page-hero .wrap{position:relative;z-index:2}
.crumb{display:flex;align-items:center;gap:9px;font-size:13px;color:var(--muted);margin-bottom:20px;flex-wrap:wrap}
.crumb a{color:var(--muted)}.crumb a:hover{color:var(--blue-3)}
.crumb .sep{color:var(--muted-2)}
.crumb .cur{color:var(--ink-2);font-weight:600}
.page-hero h1{font-size:clamp(30px,5vw,52px);font-weight:700;max-width:780px;letter-spacing:-.02em}
.page-hero .ph-sub{margin-top:16px;color:var(--muted);font-size:clamp(16px,1.8vw,19px);max-width:640px}
.page-hero .ph-cta{margin-top:28px;display:flex;flex-wrap:wrap;gap:13px}

/* ---- generic lead prose ---- */
.lead-prose{max-width:800px}
.lead-prose p{color:var(--ink-2);font-size:16.5px;margin-bottom:16px}
.lead-prose h3{font-size:22px;font-weight:600;margin:30px 0 12px;color:var(--ink)}
.badge-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.badge-row .b{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line-2);box-shadow:var(--sh-xs);padding:8px 14px;border-radius:999px;font-size:13px;font-weight:600;color:var(--ink-2)}
.badge-row .b svg{color:var(--blue)}

/* ---- form section (copy + form) ---- */
.formsec-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px);align-items:center}
.formsec-copy h2{font-size:clamp(26px,3.6vw,40px);font-weight:700;letter-spacing:-.02em}
.formsec-copy p{margin-top:13px;color:var(--muted);font-size:16px}
.formsec-copy .sc-list{margin-top:22px}
@media(max-width:900px){.formsec-grid{grid-template-columns:1fr;gap:34px}.formsec-grid .form-card{order:2}}

/* ---- related pages interlink ---- */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:44px}
.related-card{display:flex;gap:15px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.related-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md);border-color:var(--line-2)}
.related-card .ri{width:48px;height:48px;border-radius:13px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;flex:0 0 auto;transition:.25s}
.related-card:hover .ri{background:var(--grad);color:#fff;box-shadow:var(--sh-blue)}
.related-card b{display:block;font-size:16px;font-weight:600;color:var(--ink)}
.related-card>span>span{font-size:13.5px;color:var(--muted);display:block;margin-top:5px}
.related-card .rl{display:inline-flex;align-items:center;gap:6px;margin-top:12px;color:var(--blue-3);font-weight:600;font-size:13.5px}
.related-card .rl svg{transition:transform .2s ease}
.related-card:hover .rl svg{transform:translateX(4px)}
@media(max-width:920px){.related-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.related-grid{grid-template-columns:1fr}}

/* ---- rates table ---- */
.rate-table-wrap{margin-top:44px;border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-sm);overflow-x:auto}
table.rate-table{width:100%;border-collapse:collapse;min-width:660px;background:#fff}
.rate-table thead{background:var(--grad-ink);color:#fff}
.rate-table th{padding:17px 22px;text-align:left;font-weight:600;font-size:13.5px;letter-spacing:.02em;white-space:nowrap}
.rate-table td{padding:16px 22px;border-top:1px solid var(--line);font-size:14.5px;color:var(--ink-2);vertical-align:middle}
.rate-table tbody tr:hover{background:var(--soft)}
.rate-table .lt{font-weight:600;color:var(--ink);display:flex;align-items:center;gap:11px;white-space:nowrap}
.rate-table .lt .ti{width:36px;height:36px;border-radius:10px;background:var(--blue-tint);color:var(--blue-3);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.rate-table .rate-val{font-weight:700;color:var(--blue-3);white-space:nowrap}
.rate-disc{margin-top:18px;font-size:13px;color:var(--muted);line-height:1.65;max-width:880px}

/* ---- lending partners ---- */
.partners-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:44px}
.partner-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 20px;text-align:center;transition:transform .25s ease,box-shadow .25s ease}
.partner-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.partner-card .pl{width:62px;height:62px;border-radius:17px;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:var(--sh-blue)}
.partner-card h3{font-size:16.5px;font-weight:600}
.partner-card p{margin-top:9px;color:var(--muted);font-size:13.5px}
.logos-note{margin-top:20px;text-align:center;font-size:13px;color:var(--muted-2)}
@media(max-width:920px){.partners-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.partners-grid{grid-template-columns:1fr}}

/* ---- info columns (pros / what it covers) ---- */
.info-cols{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:44px}
.info-panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(24px,3vw,36px);box-shadow:var(--sh-sm)}
.info-panel.good{border-top:3px solid #1FAA63}
.info-panel.note{border-top:3px solid var(--blue)}
.info-panel h3{font-size:19px;font-weight:600;margin-bottom:18px;display:flex;align-items:center;gap:11px}
.info-panel .ph-ic{width:38px;height:38px;border-radius:11px;display:flex;align-items:center;justify-content:center;color:#fff;flex:0 0 auto}
.info-panel.good .ph-ic{background:#1FAA63}.info-panel.note .ph-ic{background:var(--blue)}
.info-panel ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:13px}
.info-panel li{display:flex;gap:11px;align-items:flex-start;font-size:14.5px;color:var(--ink-2)}
.info-panel li .ck{flex:0 0 auto;width:23px;height:23px;border-radius:7px;display:flex;align-items:center;justify-content:center;margin-top:1px}
.info-panel.good li .ck{background:#E5F6EE;color:#1FAA63}
.info-panel.note li .ck{background:var(--blue-tint);color:var(--blue-3)}
@media(max-width:820px){.info-cols{grid-template-columns:1fr}}

/* refer highlight reward */
.reward-banner{margin-top:44px;background:var(--grad-ink);border-radius:var(--r-2xl);padding:clamp(28px,4vw,48px);color:#fff;text-align:center;position:relative;overflow:hidden;box-shadow:var(--sh-lg)}
.reward-banner .rbb{position:absolute;width:280px;height:280px;top:-100px;right:-60px;background:radial-gradient(circle,rgba(70,178,255,.32),transparent 70%);border-radius:50%}
.reward-banner>*{position:relative;z-index:1}
.reward-banner .gift{width:64px;height:64px;border-radius:18px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);display:flex;align-items:center;justify-content:center;margin:0 auto 18px;color:#9FC8F5}
.reward-banner .ramt{font-weight:800;font-size:clamp(30px,5vw,46px);letter-spacing:-.02em;margin:4px 0 6px}
.reward-banner p{color:#c2d6ec;max-width:520px;margin:0 auto;font-size:16px}