:root {
  /* --- Brand colors (from logo) --- */
  --primary: #123A66;
  --primary-dark: #0A2444;
  --secondary: #0E2C52;
  --accent: #1FC3D6;
  --accent-dark: #0FA0B4;
  --accent-light: #8FE9F1;

  /* --- Orange accent (added per client request) --- */
  --accent-orange: #FF7A33;
  --accent-orange-dark: #E8621A;
  --accent-orange-light: #FFC9A3;

  /* --- Neutrals --- */
  --bg: #FFFFFF;
  --bg-alt: #F3F7FA;
  --bg-navy-tint: #EFF4F9;
  --text: #14203A;
  --text-muted: #55637C;
  --text-on-dark: #EAF1F6;
  --text-on-dark-muted: #A9BBD1;
  --border: #DEE6EE;
  --border-dark: #1C3A5E;
  --white: #FFFFFF;

  /* --- Elevation / radius --- */
  --radius-sm: 4px;
  --radius-md: 8px;
  --shadow-sm: 0 1px 3px rgba(10, 26, 51, 0.08);
  --shadow-md: 0 8px 24px rgba(10, 26, 51, 0.12);
  --shadow-lg: 0 20px 48px rgba(10, 26, 51, 0.16);

  /* --- Type --- */
  --font-display: "Montserrat", sans-serif;
  --font-body: "Poppins", sans-serif;

  /* --- Spacing scale --- */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.75rem;
  --space-lg: 3rem;
  --space-xl: 5rem;
  --space-2xl: 7rem;

  /* --- Layout --- */
  --container-width: 1200px;
  --nav-height: 120px;
}


/* =========================================================
   RESET
   ========================================================= */

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body,
h1,
h2,
h3,
h4,
p,
ul,
ol,
figure {
  margin: 0;
}

ul,
ol {
  padding: 0;
  list-style: none;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font: inherit;
  cursor: pointer;
}

input,
select,
textarea {
  font: inherit;
}


/* =========================================================
   BASE TYPOGRAPHY
   ========================================================= */

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  color: var(--primary-dark);
  line-height: 1.15;
  font-weight: 600;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
}


/* =========================================================
   CONTAINER
   ========================================================= */

.container {
  width: 100%;
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 1.5rem;
  position: relative;
  z-index: 1;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--accent);
  color: var(--primary-dark);
  padding: 0.75rem 1.25rem;
  z-index: 999;
  font-weight: 600;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}


/* =========================================================
   TYPOGRAPHY UTILITIES
   ========================================================= */

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent-dark);
  margin-bottom: var(--space-xs);
}

h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
}

h2 {
  font-size: clamp(1.7rem, 3vw, 2.5rem);
}

h3 {
  font-size: clamp(1.2rem, 2vw, 1.5rem);
}

.section-heading {
  max-width: 640px;
  margin-bottom: var(--space-lg);
}

.section-heading p {
  color: var(--text-muted);
  font-size: 1.05rem;
  margin-top: var(--space-xs);
}

.section-heading.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.text-muted {
  color: var(--text-muted);
}


/* =========================================================
   BUTTONS
   ========================================================= */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 1.7rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.98rem;
  border: 1px solid transparent;
  transition:
    transform 0.18s ease,
    background 0.18s ease,
    color 0.18s ease,
    box-shadow 0.18s ease,
    border-color 0.18s ease;
  white-space: nowrap;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: var(--accent-orange);
  color: var(--primary-dark);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background: var(--accent-orange-dark);
  color: var(--white);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.5);
  color: inherit;
}

.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--accent);
}

.btn-dark {
  background: var(--primary-dark);
  color: var(--white);
}

.btn-dark:hover {
  background: var(--secondary);
  box-shadow: var(--shadow-md);
}

.btn-ghost {
  background: transparent;
  color: var(--primary);
  border-color: var(--border);
}

.btn-ghost:hover {
  border-color: var(--accent-dark);
  color: var(--accent-dark);
}

.btn-sm {
  padding: 0.6rem 1.2rem;
  font-size: 0.88rem;
}

.btn-block {
  width: 100%;
  justify-content: center;
}


/* =========================================================
   NAVBAR
   ========================================================= */

.site-header {
  /* position: sticky; */
  top: 0;
  z-index: 500;
  width: 100%;
  background: rgba(255, 255, 255, 1);
  backdrop-filter: saturate(150%) blur(10px);
  border-bottom: 1px solid transparent;
  padding: 5px 0 5px 0 ;
  transition:
    box-shadow 0.25s ease,
    border-color 0.25s ease,
    background 0.25s ease;
}

.site-header.is-scrolled {
  box-shadow: 0 4px 20px rgba(10, 26, 51, 0.08);
  border-bottom-color: var(--border);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-height);
  gap: var(--space-md);
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  flex-shrink: 0;
}

.brand img {
  height: 120px;
  width: auto;
}

.brand-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.15rem;
  color: var(--primary-dark);
  padding-top: 10px;
  line-height: 1.1;
}

.brand-name span {
  display: block;
  font-family: var(--font-body);
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--accent-dark);
  letter-spacing: 0.02em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.nav-links a {
  position: relative;
  font-size: 0.96rem;
  font-weight: 500;
  color: var(--text);
  padding: 0.4rem 0.1rem;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -4px;
  height: 2px;
  background: var(--accent-orange);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}

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

.nav-links a.is-active {
  color: var(--primary-dark);
  font-weight: 600;
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* =========================================================
   PROFESSIONAL SERVICES DROPDOWN
   ========================================================= */

/* Services wrapper */
.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
}


/* Services link */
.services-link {
  position: relative;

  display: inline-flex;
  align-items: center;

  padding: 0.4rem 0.1rem;

  font-size: 0.96rem;
  font-weight: 500;
  color: var(--text);

  white-space: nowrap;
}


/* Existing orange underline */
.services-link::after {
  content: "";

  position: absolute;

  left: 0;
  right: 0;
  bottom: -4px;

  height: 2px;

  background: var(--accent-orange);

  transform: scaleX(0);
  transform-origin: left;

  transition: transform 0.2s ease;
}


/* Show underline when Services is hovered */
.nav-dropdown:hover .services-link::after {
  transform: scaleX(1);
}


/* =========================================================
   DROPDOWN
   ========================================================= */

.dropdown-menu {
  position: absolute;

  top: calc(100% + 16px);
  left: 50%;

  width: 300px;

  padding: 10px;

  background: var(--white);

  border: 1px solid var(--border);

  border-radius: 10px;

  box-shadow:
    0 12px 30px rgba(10, 26, 51, 0.10),
    0 3px 8px rgba(10, 26, 51, 0.05);

  transform:
    translateX(-50%)
    translateY(8px);

  opacity: 0;
  visibility: hidden;
  pointer-events: none;

  transition:
    opacity 0.22s ease,
    transform 0.22s ease,
    visibility 0.22s ease;

  z-index: 1000;
}


/*
  Invisible bridge between Services and dropdown.

  This prevents the dropdown from disappearing
  while the mouse moves from Services to the menu.
*/
.dropdown-menu::before {
  content: "";

  position: absolute;

  top: -17px;

  left: 0;

  width: 100%;

  height: 17px;

  background: transparent;
}


/* Small professional top indicator */
.dropdown-menu::after {
  content: "";

  position: absolute;

  top: -5px;
  left: 50%;

  width: 10px;
  height: 10px;

  background: var(--white);

  border-left: 1px solid var(--border);
  border-top: 1px solid var(--border);

  transform:
    translateX(-50%)
    rotate(45deg);
}


/* Show dropdown */
.nav-dropdown:hover .dropdown-menu {
  opacity: 1;

  visibility: visible;

  pointer-events: auto;

  transform:
    translateX(-50%)
    translateY(0);
}


/* =========================================================
   SERVICE ITEMS
   ========================================================= */

.dropdown-menu > a {
  display: block;

  padding: 13px 15px;

  border-radius: 7px;

  color: var(--text);

  transition:
    background 0.2s ease,
    transform 0.2s ease;
}


/* Service name */
.dropdown-menu .service-title {
  display: block;

  font-family: var(--font-display);

  font-size: 0.95rem;

  font-weight: 600;

  color: var(--primary-dark);

  line-height: 1.3;

  margin-bottom: 3px;
}


/* Service description */
.dropdown-menu .service-description {
  display: block;

  font-family: var(--font-body);

  font-size: 0.76rem;

  font-weight: 400;

  line-height: 1.45;

  color: var(--text-muted);
}


/* Hover service item */
.dropdown-menu > a:hover {
  background: var(--bg-navy-tint);

  transform: translateX(3px);
}


/* Hover service title */
.dropdown-menu > a:hover .service-title {
  color: var(--accent-orange-dark);
}


/*
  Remove the normal navbar underline
  from dropdown items.
*/
.dropdown-menu > a::after {
  display: none !important;
}


/* =========================================================
   MOBILE SERVICES
   ========================================================= */

.mobile-services {
  width: 100%;
}


/* Mobile Services */
.mobile-services-title {
  display: block;

  width: 100%;
}


/* Mobile submenu */
.mobile-services-menu {
  display: none;

  margin-top: 6px;
  margin-left: 12px;

  padding-left: 16px;

  border-left: 2px solid var(--accent-orange);
}


/* Show mobile submenu */
.mobile-services:hover .mobile-services-menu {
  display: block;
}


/* Mobile service links */
.mobile-services-menu a {
  display: block;

  padding: 8px 0;

  font-size: 0.9rem;

  color: var(--text-muted);
}


/* Mobile hover */
.mobile-services-menu a:hover {
  color: var(--accent-orange);
}


.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}

.hamburger span {
  display: block;
  height: 2px;
  width: 20px;
  margin: 0 auto;
  background: var(--primary-dark);
  transition:
    transform 0.25s ease,
    opacity 0.25s ease;
}

.hamburger[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.hamburger[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.mobile-panel {
  display: none;
  position: fixed;
  inset: var(--nav-height) 0 0 0;
  background: var(--white);
  z-index: 490;
  padding: var(--space-lg) 1.5rem;
  transform: translateY(-8px);
  opacity: 0;
  transition:
    transform 0.25s ease,
    opacity 0.25s ease;
  overflow-y: auto;
}

.mobile-panel.is-open {
  display: block;
  transform: translateY(0);
  opacity: 1;
}

.mobile-panel a {
  display: block;
  font-size: 1.3rem;
  font-family: var(--font-display);
  padding: 0.9rem 0;
  border-bottom: 1px solid var(--border);
  color: var(--primary-dark);
}

.mobile-panel .nav-cta {
  margin-top: var(--space-md);
  flex-direction: column;
  align-items: stretch;
}


/* =========================================================
   HERO
   ========================================================= */

.hero {
  position: relative;
  color: var(--text-on-dark);
  overflow: hidden;
  min-height: 680px;
  display: flex;
  align-items: center;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      100deg,
      rgba(10, 36, 68, 0.94) 0%,
      rgba(10, 36, 68, 0.82) 38%,
      rgba(18, 58, 102, 0.55) 65%,
      rgba(18, 58, 102, 0.32) 100%
    ),
    linear-gradient(
      0deg,
      rgba(10, 36, 68, 0.55) 0%,
      rgba(10, 36, 68, 0) 35%
    );
  z-index: 0;
}

/* Hero image (loaded from HTML) */
.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
}

.hero .container {
  padding-top: var(--space-2xl);
  padding-bottom: var(--space-2xl);
}

.hero-content {
  max-width: 620px;
}

.hero-content .eyebrow {
  color: var(--accent-light);
}

.hero-content h2 {
  color: var(--white);
  margin-bottom: var(--space-sm);
}

.hero-content p {
  color: var(--text-on-dark-muted);
  font-size: 1.15rem;
  max-width: 540px;
  margin-bottom: var(--space-md);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: var(--space-md);
}

.hero-caption {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  max-width: 480px;
  margin-top: var(--space-lg);
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255, 255, 255, 0.22);
}

.hero-caption .mark {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--accent-orange);
  color: var(--primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-caption p {
  font-size: 0.92rem;
  color: var(--text-on-dark-muted);
  margin: 0;
}

.hero-sub {
  background: var(--primary-dark);
}

.page-hero {
  min-height: 380px;
  display: flex;
  align-items: center;
  padding: 0;
}

.page-hero .container {
  max-width: 760px;
  padding-top: var(--space-2xl);
  padding-bottom: var(--space-xl);
}

.page-hero p {
  color: var(--text-on-dark-muted);
  font-size: 1.1rem;
  margin-bottom: var(--space-md);
  max-width: 600px;
}

.breadcrumb {
  font-size: 0.85rem;
  color: var(--text-on-dark-muted);
  margin-bottom: var(--space-sm);
}

.breadcrumb a {
  color: var(--accent-light);
}

.hero-loans::before {
  background-image:
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1600&q=80");
}

.hero-finance::before {
  background-image:
    url("https://images.unsplash.com/photo-1553729459-efe14ef6055d?w=1600&q=80");
}

.hero-realestate::before {
  background-image:
    url("https://images.unsplash.com/photo-1600585154340-be6161a56a0c?w=1600&q=80");
}

.hero-about::before {
  background-image:
    url("https://images.unsplash.com/photo-1521791136064-7986c2920216?w=1600&q=80");
}

.hero-contact::before {
  background-image:
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?w=1600&q=80");
}


/* =========================================================
   STATS
   ========================================================= */

.stats {
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: var(--space-lg) 0;
}

.stat {
  text-align: center;
  padding: 0 var(--space-sm);
  border-left: 1px solid var(--border);
}

.stat:first-child {
  border-left: none;
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--primary-dark);
  font-weight: 600;
}

.stat-label {
  color: var(--text-muted);
  font-size: 0.92rem;
  margin-top: 0.35rem;
}


/* =========================================================
   SECTIONS / CARDS
   ========================================================= */

.section {
  padding: var(--space-2xl) 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-dark {
  background: var(--primary-dark);
  color: var(--text-on-dark);
}

.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-dark .section-heading p {
  color: var(--text-on-dark-muted);
}

/* =========================================================
   SECTIONS / CARDS
   ========================================================= */

.section {
  padding: var(--space-2xl) 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-dark {
  background: var(--primary-dark);
  color: var(--text-on-dark);
}

.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-dark .section-heading p {
  color: var(--text-on-dark-muted);
}


/* =========================================
   OUR SOLUTIONS
========================================= */

.solutions-section {
  padding: var(--space-2xl) 0;
}


/* Section Heading */

.solutions-section .section-heading {
  margin-bottom: 3.5rem;
}

.solutions-section .section-heading p {
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}


/* =========================================
   SERVICES GRID
========================================= */

.services-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: stretch;
  gap: 1.75rem;
}


/* =========================================
   SERVICE CARD
========================================= */

.service-card {
  position: relative;

  flex: 0 0 calc((100% - 3.5rem) / 3);
  min-width: 0;

  display: flex;
  flex-direction: column;

  background: var(--white);

  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);

  border-radius: var(--radius-md);

  padding: 1.85rem;

  min-height: 485px;

  box-sizing: border-box;

  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease,
    border-color 0.25s ease;
}


/* Card Hover */

.service-card:hover {
  transform: translateY(-5px);

  box-shadow: var(--shadow-md);

  border-left-color: var(--accent-dark);
}


/* =========================================
   ICON
========================================= */

.service-card .icon {
  width: 56px;
  height: 56px;

  flex-shrink: 0;

  display: flex;
  align-items: center;
  justify-content: center;

  margin-bottom: 1.25rem;

  border-radius: var(--radius-sm);

  background: var(--bg-navy-tint);

  color: var(--accent-dark);
}


/* =========================================
   CARD TITLE
========================================= */

.service-card h3 {
  margin: 0 0 0.65rem;

  font-family: var(--font-display);

  font-size: 1.45rem;
  line-height: 1.25;

  color: var(--primary-dark);
}


/* =========================================
   CARD DESCRIPTION
========================================= */

.service-card p {
  margin: 0 0 1.1rem;

  color: var(--text-muted);

  font-size: 0.96rem;
  line-height: 1.65;
}


/* =========================================
   CARD LIST
========================================= */

.service-card ul {
  margin: 0;
  padding: 0;

  list-style: none;
}

.service-card ul li {
  position: relative;

  padding: 0.38rem 0 0.38rem 1.15rem;

  font-size: 0.92rem;
  line-height: 1.5;

  color: var(--text);
}


/* Bullet */

.service-card ul li::before {
  content: "";

  position: absolute;

  left: 0;
  top: 0.85rem;

  width: 6px;
  height: 6px;

  border-radius: 50%;

  background: var(--accent);
}


/* =========================================
   CARD LINK
========================================= */

.service-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;

  margin-top: auto;
  padding-top: 1.25rem;

  font-size: 0.94rem;
  font-weight: 600;

  color: var(--primary);

  text-decoration: none;

  transition:
    color 0.2s ease,
    transform 0.2s ease;
}

.service-card .card-link span {
  display: inline-block;

  transition: transform 0.2s ease;
}

.service-card .card-link:hover {
  color: var(--accent-dark);
}

.service-card .card-link:hover span {
  transform: translateX(4px);
}


/* =========================================
   TABLET
========================================= */

@media (max-width: 1080px) {

  .services-grid {
    gap: 1.5rem;
  }

  .service-card {
    flex-basis: calc((100% - 1.5rem) / 2);

    min-height: 470px;
  }
}


/* =========================================
   MOBILE
========================================= */

@media (max-width: 720px) {

  .solutions-section {
    padding: 4.5rem 0;
  }

  .solutions-section .section-heading {
    margin-bottom: 2.5rem;
  }

  .services-grid {
    flex-direction: column;
    gap: 1.25rem;
  }

  .service-card {
    flex: 0 0 100%;
    width: 100%;

    min-height: auto;

    padding: 1.5rem;
  }

  .service-card h3 {
    font-size: 1.3rem;
  }

  .service-card p {
    font-size: 0.93rem;
  }

  .service-card ul li {
    font-size: 0.9rem;
  }
}

/* =========================================================
   LOAN HIGHLIGHT CARDS
   ========================================================= */

.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-sm);
}

.loan-chip {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-sm) var(--space-md);
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  transition:
    box-shadow 0.2s ease,
    transform 0.2s ease;
}

.loan-chip:hover {
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.loan-chip h4 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--primary-dark);
}

.loan-chip p {
  font-size: 0.9rem;
  color: var(--text-muted);
}


/* =========================================================
   DETAILED LOAN SECTIONS
   ========================================================= */

.loan-detail {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: var(--space-lg);
  align-items: center;
  padding: var(--space-lg) 0;
  border-bottom: 1px solid var(--border);
}

.loan-detail:last-child {
  border-bottom: none;
}

.loan-detail.reverse {
  grid-template-columns: 1.1fr 0.9fr;
}

.loan-detail.reverse .loan-detail-media {
  order: 2;
}

.loan-detail-media img {
  border-radius: var(--radius-md);
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  box-shadow: var(--shadow-sm);
}

.loan-detail-body .index-tag {
  font-family: var(--font-display);
  font-size: 0.95rem;
  color: var(--accent-orange-dark);
  margin-bottom: 0.4rem;
}

.loan-detail-body h3 {
  margin-bottom: 0.6rem;
}

.loan-detail-body p {
  color: var(--text-muted);
  margin-bottom: var(--space-sm);
}


/* =========================================================
   PROCESS STEPS
   ========================================================= */

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  position: relative;
}

.process-step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  position: relative;
}

.process-step .step-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  -webkit-text-stroke: 1px var(--accent-orange-dark);
  color: transparent;
  line-height: 1;
  margin-bottom: 0.75rem;
}

.process-step h3 {
  font-size: 1.1rem;
  margin-bottom: 0.4rem;
}

.process-step p {
  color: var(--text-muted);
  font-size: 0.92rem;
}


/* =========================================================
   WHY ARC FIN
   ========================================================= */

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.why-card {
  padding: var(--space-md);
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-dark);
  transition:
    background 0.2s ease,
    transform 0.2s ease;
}

.why-card:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-3px);
}

.why-card .icon {
  color: var(--accent);
  margin-bottom: 0.7rem;
}

.why-card h3 {
  color: var(--white);
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

.why-card p {
  color: var(--text-on-dark-muted);
  font-size: 0.92rem;
}


/* =========================================================
   DISCLAIMER NOTE
   ========================================================= */

.note-box {
  background: var(--bg-navy-tint);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent-dark);
  border-radius: var(--radius-sm);
  padding: var(--space-sm) var(--space-md);
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-top: var(--space-md);
}


/* =========================================================
   CTA BAND
   ========================================================= */

.cta-band {
  background: linear-gradient(
    135deg,
    var(--primary) 0%,
    var(--secondary) 100%
  );
  color: var(--white);
  border-radius: var(--radius-md);
  padding: var(--space-xl) var(--space-lg);
  text-align: center;
}

.cta-band h2 {
  color: var(--white);
  margin-bottom: 0.6rem;
}

.cta-band p {
  color: var(--text-on-dark-muted);
  max-width: 560px;
  margin: 0 auto var(--space-md);
}

.cta-band .hero-actions {
  justify-content: center;
}


/* =========================================================
   TEAM CARDS
   ========================================================= */

.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-md);
  max-width: 760px;
}

.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  text-align: center;
}

.team-card .photo {
  aspect-ratio: 1/1;
  background: var(--bg-navy-tint);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-dark);
}

.team-card .info {
  padding: var(--space-md);
}

.team-card h3 {
  margin-bottom: 0.2rem;
}

.team-card .role {
  color: var(--accent-dark);
  font-weight: 600;
  font-size: 0.9rem;
}


/* =========================================================
   TIMELINE
   ========================================================= */

.timeline {
  border-left: 2px solid var(--border);
  padding-left: var(--space-md);
}

.timeline-item {
  position: relative;
  padding-bottom: var(--space-md);
}

.timeline-item::before {
  content: "";
  position: absolute;
  left: calc(-1 * var(--space-md) - 5px);
  top: 4px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--accent);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 2px var(--accent);
}

.timeline-item h4 {
  margin-bottom: 0.3rem;
}

.timeline-item p {
  color: var(--text-muted);
}


/* =========================================================
   REAL ESTATE FILTERS + LISTINGS
   ========================================================= */

.filters {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  box-shadow: var(--shadow-sm);
  margin-bottom: var(--space-lg);
}

.filters-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr) auto;
  gap: var(--space-sm);
  align-items: end;
}

.field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 0.35rem;
}

.field select,
.field input {
  width: 100%;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-alt);
  color: var(--text);
}

.field select:focus,
.field input:focus {
  border-color: var(--accent-dark);
}

.property-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.property-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease;
  display: none;
}

.property-card.is-visible {
  display: flex;
  flex-direction: column;
}

.property-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.property-card .media {
  aspect-ratio: 4/3;
  overflow: hidden;
}

.property-card .media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.35s ease;
}

.property-card:hover .media img {
  transform: scale(1.05);
}

.property-card .body {
  padding: var(--space-sm) var(--space-md) var(--space-md);
  flex: 1;
  display: flex;
  flex-direction: column;
}

.property-card .tag {
  align-self: flex-start;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--accent-orange-dark);
  background: #FFF1E8;
  padding: 0.25rem 0.6rem;
  border-radius: 3px;
  margin-bottom: 0.5rem;
}

.property-card h3 {
  font-size: 1.05rem;
  margin-bottom: 0.3rem;
}

.property-card .meta {
  color: var(--text-muted);
  font-size: 0.88rem;
  margin-bottom: 0.75rem;
}

.property-card .price {
  font-weight: 700;
  color: var(--primary-dark);
  margin-top: auto;
}

.no-results {
  text-align: center;
  padding: var(--space-xl) 0;
  color: var(--text-muted);
  display: none;
}

.no-results.is-visible {
  display: block;
}

.demo-disclaimer {
  background: var(--bg-navy-tint);
  border: 1px dashed var(--border-dark);
  color: var(--text-muted);
  border-radius: var(--radius-sm);
  padding: var(--space-sm) var(--space-md);
  font-size: 0.88rem;
  margin-bottom: var(--space-lg);
}


/* =========================================================
   CONTACT PAGE
   ========================================================= */

.contact-layout {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: var(--space-lg);
}

.contact-info {
  background: var(--primary-dark);
  color: var(--white);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  height: fit-content;
}

.contact-info h3 {
  color: var(--white);
  margin-bottom: var(--space-sm);
}

.contact-item {
  display: flex;
  gap: 0.85rem;
  margin-bottom: var(--space-md);
}

.contact-item .icon {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-item .label {
  font-size: 0.82rem;
  color: var(--text-on-dark-muted);
  margin-bottom: 0.15rem;
}

.contact-item .value {
  color: var(--white);
  font-weight: 500;
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
}

.field-group {
  margin-bottom: var(--space-sm);
}

.field-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: var(--text);
}

.field-group .required {
  color: var(--accent-dark);
}

.field-group input,
.field-group select,
.field-group textarea {
  width: 100%;
  padding: 0.8rem 0.9rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-alt);
  color: var(--text);
  transition:
    border-color 0.18s ease,
    background 0.18s ease;
}

.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: var(--accent-dark);
  background: var(--white);
}

.field-group textarea {
  resize: vertical;
  min-height: 120px;
}

.field-error {
  display: none;
  color: #C0392B;
  font-size: 0.8rem;
  margin-top: 0.35rem;
}

.field-group.has-error input,
.field-group.has-error select,
.field-group.has-error textarea {
  border-color: #C0392B;
}

.field-group.has-error .field-error {
  display: block;
}

.form-success {
  display: none;
  background: #E9F8EF;
  border: 1px solid #8FD8A6;
  color: #1E6B3A;
  border-radius: var(--radius-sm);
  padding: var(--space-sm) var(--space-md);
  margin-bottom: var(--space-md);
  font-weight: 500;
}

.form-success.is-visible {
  display: block;
}


/* =========================================================
   FOOTER
   ========================================================= */

.site-footer {
  background: var(--primary-dark);
  color: var(--text-on-dark-muted);
  padding-top: var(--space-2xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1.1fr 1.5fr;
  gap: var(--space-lg);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid var(--border-dark);
}

.footer-brand .brand {
  margin-bottom: var(--space-sm);
}

.footer-brand .brand-name {
  color: var(--white);
}

.footer-brand p {
  max-width: 300px;
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: var(--space-sm);
}

.footer-col ul li {
  margin-bottom: 0.6rem;
}

.footer-col a:hover {
  color: var(--accent-light);
}

.footer-col .contact-line {
  display: flex;
  gap: 0.6rem;
  margin-bottom: 0.7rem;
  font-size: 0.92rem;
}

.footer-bottom {
  /* display: flex; */
  /* justify-content: space-between; */
  /* align-items: center; */
  text-align: center;
  padding: var(--space-md) 0;
  font-size: 0.85rem;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.footer-bottom .legal-links {
  display: flex;
  gap: var(--space-sm);
}

.footer-bottom a:hover {
  color: var(--accent-light);
}

/* Footer map */
.map-wrapper {
  width: 100%;
  height: 220px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--border-dark);
}

.map-wrapper iframe {
  display: block;
  width: 100%;
  height: 100%;
}

.map-link {
  display: inline-block;
  margin-top: 0.75rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--accent-light);
}

.map-link:hover {
  color: var(--accent-orange);
}


/* =========================================================
   WHATSAPP FLOAT + BACK TO TOP
   ========================================================= */

.float-actions {
  position: fixed;
  right: 1.25rem;
  bottom: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  z-index: 400;
}

.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    opacity 0.2s ease,
    visibility 0.2s ease;
  border: none;
}

.whatsapp-btn {
  background: #25D366;
  color: var(--white);
}

.whatsapp-btn:hover {
  transform: translateY(-3px) scale(1.04);
}

.back-to-top {
  background: var(--primary-dark);
  color: var(--white);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--accent-dark);
}


/* =========================================================
   SCROLL REVEAL
   ========================================================= */

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition:
    opacity 0.6s ease,
    transform 0.6s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
  }
}


/* =========================================================
   RESPONSIVE
   ========================================================= */

@media (max-width: 1080px) {

  .services-grid,
  .loan-grid,
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .property-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .contact-layout {
    grid-template-columns: 1fr;
  }

  .filters-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
  grid-template-columns: 1fr 1fr;
}
}


@media (max-width: 900px) {

  .nav-links,
  .nav-cta .btn-ghost {
    display: none;
  }

  .nav-cta .btn-primary {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .hero {
    min-height: 560px;
  }

  .loan-detail,
  .loan-detail.reverse {
    grid-template-columns: 1fr;
  }

  .loan-detail.reverse .loan-detail-media {
    order: 0;
  }
}


@media (max-width: 720px) {

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    row-gap: var(--space-md);
  }

  .stat:nth-child(3) {
    border-left: none;
  }

  .services-grid,
  .loan-grid,
  .why-grid,
  .process-grid,
  .property-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: var(--space-md);
  }

  .team-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .filters-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .cta-band {
    padding: var(--space-lg) var(--space-sm);
  }
}


@media (max-width: 480px) {

  :root {
    --space-2xl: 4rem;
    --space-xl: 3rem;
  }

  .brand-name {
    font-size: 1rem;
  }

  .hero-actions .btn,
  .cta-band .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .hero-actions,
  .cta-band .hero-actions {
    flex-direction: column;
  }

  .hero {
    min-height: 500px;
  }

  .hero-caption {
    flex-direction: column;
    gap: 0.5rem;
  }
}


/* =========================================================
   TESTIMONIALS SLIDER
   ========================================================= */

.testimonials-section {
  background: var(--bg-alt);
}

.testimonials-section .section-heading {
  margin-bottom: var(--space-lg);
}


/* =========================================================
   SLIDER WRAPPER
   ========================================================= */

.testimonials-slider {
  position: relative;
  max-width: 850px;
  margin: 0 auto;
  padding: 0 70px 60px;
}

.testimonials-track {
  position: relative;
  width: 100%;
}


/* =========================================================
   TESTIMONIAL CARD
   ========================================================= */

.testimonial-card {
  position: relative;

  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);

  padding: var(--space-lg);

  box-shadow: var(--shadow-sm);

  display: none;
  flex-direction: column;

  min-height: 310px;

  opacity: 0;
  transform: translateX(20px);

  transition:
    opacity 0.35s ease,
    transform 0.35s ease,
    box-shadow 0.2s ease,
    border-color 0.2s ease;
}

.testimonial-card.active {
  display: flex;
  opacity: 1;
  transform: translateX(0);
}

.testimonial-card::before {
  content: "";

  position: absolute;
  top: 0;
  left: 0;

  width: 100%;
  height: 3px;

  background: var(--accent);

  border-radius:
    var(--radius-md)
    var(--radius-md)
    0
    0;
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--accent-light);
}


/* =========================================================
   CLIENT INFORMATION
   ========================================================= */

.testimonial-top {
  display: flex;
  align-items: center;

  gap: 0.85rem;

  margin-bottom: var(--space-sm);
}

.testimonial-avatar {
  width: 52px;
  height: 52px;

  flex-shrink: 0;

  border-radius: 50%;

  background: var(--primary-dark);
  color: var(--white);

  display: flex;
  align-items: center;
  justify-content: center;

  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
}

.testimonial-client {
  min-width: 0;
  flex: 1;
}

.testimonial-client h3 {
  color: var(--primary-dark);

  font-family: var(--font-body);

  font-size: 1rem;
  font-weight: 700;

  line-height: 1.3;

  margin: 0 0 0.15rem;
}

.testimonial-client span {
  display: block;

  color: var(--text-muted);

  font-size: 0.82rem;

  line-height: 1.4;
}


/* =========================================================
   QUOTE ICON
   ========================================================= */

.testimonial-quote {
  width: 44px;
  height: 44px;

  flex-shrink: 0;

  display: flex;
  align-items: center;
  justify-content: center;

  border-radius: 50%;

  background: var(--bg-navy-tint);
  color: var(--accent-dark);
}

.testimonial-quote svg {
  width: 22px;
  height: 22px;
}


/* =========================================================
   STARS
   ========================================================= */

.testimonial-stars {
  color: var(--accent-orange);

  font-size: 1rem;

  letter-spacing: 0.08em;

  line-height: 1;

  margin-bottom: var(--space-sm);
}


/* =========================================================
   TESTIMONIAL TEXT
   ========================================================= */

.testimonial-text {
  color: var(--text-muted);

  font-size: 1rem;

  line-height: 1.75;

  margin: 0;

  flex: 1;
}


/* =========================================================
   SERVICE LABEL
   ========================================================= */

.testimonial-service {
  display: flex;
  align-items: center;

  gap: 0.5rem;

  margin-top: var(--space-md);
  padding-top: var(--space-sm);

  border-top: 1px solid var(--border);

  color: var(--primary);

  font-size: 0.84rem;
  font-weight: 600;
}

.testimonial-service span {
  width: 7px;
  height: 7px;

  flex-shrink: 0;

  border-radius: 50%;

  background: var(--accent);
}


/* =========================================================
   SLIDER ARROWS
   ========================================================= */

.testimonial-arrow {
  position: absolute;

  top: 50%;
  transform: translateY(-50%);

  width: 44px;
  height: 44px;

  border: 1px solid var(--border);

  border-radius: 50%;

  background: var(--white);

  color: var(--primary);

  display: flex;
  align-items: center;
  justify-content: center;

  font-size: 1.1rem;

  cursor: pointer;

  box-shadow: var(--shadow-sm);

  transition:
    background 0.2s ease,
    color 0.2s ease,
    border-color 0.2s ease,
    transform 0.2s ease;
}

.testimonial-arrow:hover {
  background: var(--primary);
  color: var(--white);

  border-color: var(--primary);

  transform: translateY(-50%) scale(1.05);
}

.testimonial-prev {
  left: 10px;
}

.testimonial-next {
  right: 10px;
}


/* =========================================================
   SLIDER DOTS
   ========================================================= */

.testimonial-dots {
  position: absolute;

  bottom: 0;
  left: 0;
  right: 0;

  display: flex;

  justify-content: center;
  align-items: center;

  gap: 8px;
}

.testimonial-dot {
  width: 9px;
  height: 9px;

  padding: 0;

  border: 0;

  border-radius: 50%;

  background: var(--border);

  cursor: pointer;

  transition:
    width 0.2s ease,
    background 0.2s ease;
}

.testimonial-dot.active {
  width: 26px;

  border-radius: 10px;

  background: var(--accent);
}


/* =========================================================
   TESTIMONIAL RESPONSIVE
   ========================================================= */

@media (max-width: 720px) {

  .testimonials-slider {
    padding-left: 45px;
    padding-right: 45px;
    padding-bottom: 55px;
  }

  .testimonial-card {
    padding: var(--space-md);
    min-height: 330px;
  }

  .testimonial-arrow {
    width: 38px;
    height: 38px;

    font-size: 1rem;
  }

  .testimonial-prev {
    left: 0;
  }

  .testimonial-next {
    right: 0;
  }
}


@media (max-width: 480px) {

  .testimonials-slider {
    padding-left: 0;
    padding-right: 0;
    padding-bottom: 55px;
  }

  .testimonial-card {
    padding: var(--space-sm);
    min-height: 350px;
  }

  .testimonial-top {
    gap: 0.7rem;
  }

  .testimonial-avatar {
    width: 44px;
    height: 44px;
  }

  .testimonial-quote {
    width: 38px;
    height: 38px;
  }

  .testimonial-client h3 {
    font-size: 0.95rem;
  }

  .testimonial-text {
    font-size: 0.94rem;
    line-height: 1.65;
  }

  .testimonial-arrow {
    top: auto;
    bottom: 48px;

    width: 36px;
    height: 36px;
  }

  .testimonial-prev {
    left: 5px;
  }

  .testimonial-next {
    right: 5px;
  }
}