@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800;900&display=swap');

:root {
  --ink: #171b21;
  --green: #237c0d;
  --green-hover: #1e690b;
  --lime: #56b62c;
  --pale: #edf8e8;
  --gray-bg: #fafdfe;
  --border-light: #e2e8f0;
  --text-muted: #616b75;
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-family: 'DM Sans', Arial, sans-serif;
  font-style: normal;
  color: var(--ink);
  background: #ffffff;
}

body {
  margin: 0;
  overflow-x: hidden;
}

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

ul {
  list-style: none;
}

/* Site Shell & Header */
.site-shell {
  min-height: 100vh;
  width: 100%;
}

.site-header {
  height: 140px;
  padding: 0 clamp(28px, 6vw, 104px);
  position: relative;
  z-index: 10;
  background: #ffffff;
  border-bottom: 1px solid #f5f5f5;
}

.header-inner {
  max-width: 1280px;
  height: 100%;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 40px;
}

.brand {
  flex: 0 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-top: 10px;
}

.brand-img {
  height: 124px;
  width: auto;
  object-fit: contain;
}

.brand-name {
  font: 800 47px/0.9 'DM Sans', sans-serif;
  letter-spacing: -3px;
}

.brand-name span {
  color: var(--green);
}

.brand-subtitle {
  width: 258px;
  margin-top: 11px;
  display: flex;
  align-items: center;
  gap: 10px;
  justify-content: center;
  color: #2d2e2d;
  font: 700 12px/1 'DM Sans', sans-serif;
  letter-spacing: 7px;
}

.brand-subtitle i {
  width: 35px;
  height: 1px;
  background: #7bbb67;
}

.brand-tagline {
  margin-top: 10px;
  font: 700 9px/1 'DM Sans', sans-serif;
  letter-spacing: 2.4px;
  white-space: nowrap;
}

.brand-tagline b {
  color: var(--green);
}

.primary-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(20px, 2.5vw, 42px);
  flex: 1;
}

.primary-nav a {
  font-size: 16px;
  font-weight: 500;
  padding: 25px 0;
  position: relative;
  white-space: nowrap;
  color: #333;
}

.primary-nav a.active,
.primary-nav a:hover {
  font-weight: 700;
  color: var(--green);
}

.primary-nav a.active::after {
  content: '';
  position: absolute;
  bottom: 18px;
  left: 50%;
  width: 29px;
  height: 3px;
  transform: translateX(-50%);
  background: var(--green);
}

.header-cta,
.btn {
  border-radius: 99px;
  font-weight: 700;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border: none;
}

.header-cta:hover,
.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(35, 124, 13, 0.2);
}

.header-cta {
  background: var(--green);
  color: white;
  padding: 10px 20px;
  font-size: 16px;
  font-weight: 500;
  white-space: nowrap;
}

.header-cta span {
  font-size: 22px;
  margin-left: 8px;
}

/* Mobile Nav Drawer */
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  padding: 6px;
  color: var(--ink);
  cursor: pointer;
  align-items: center;
  justify-content: center;
}

.mobile-menu-toggle svg {
  width: 26px;
  height: 26px;
}

.mobile-nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15, 20, 15, 0.45);
  z-index: 998;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.mobile-nav-overlay.active {
  display: block;
  opacity: 1;
}

.mobile-nav-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(78vw, 320px);
  background: #ffffff;
  z-index: 999;
  display: flex;
  flex-direction: column;
  padding: 20px 24px 28px;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: -12px 0 36px rgba(0, 0, 0, 0.14);
}

.mobile-nav-drawer.active {
  transform: translateX(0);
}

.mobile-nav-close {
  align-self: flex-end;
  background: none;
  border: none;
  padding: 8px;
  margin-bottom: 12px;
  color: var(--ink);
  cursor: pointer;
}

.mobile-nav-drawer a {
  padding: 15px 4px;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink);
  border-bottom: 1px solid var(--border-light);
}

.mobile-nav-drawer a.active {
  color: var(--green);
}

.mobile-nav-cta {
  margin-top: 20px;
  background: var(--green);
  color: #ffffff !important;
  border-radius: 99px;
  text-align: center;
  border-bottom: none !important;
  padding: 15px !important;
}

body.nav-open {
  overflow: hidden;
}

/* Hero Section */
.hero {
  padding: 48px clamp(28px, 6vw, 104px) 0;
  position: relative;
  background: #ffffff;
}

.hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(560px, 44%) 1fr;
  align-items: stretch;
  column-gap: 48px;
}

.hero-copy {
  padding: 0;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  z-index: 1;
}

h1 {
  font: 900 clamp(38px, 3.6vw, 56px)/1.02 'DM Sans', sans-serif;
  letter-spacing: -2px;
  margin: 0;
  color: var(--ink);
}

.hero h1 .accent {
  color: #29910f;
}

.hero-description {
  color: var(--text-muted);
  font-size: 17px;
  line-height: 1.45;
  margin: 16px 0 20px;
}

.hero-actions {
  display: flex;
  gap: 14px;
}

.hero-actions .btn {
  min-width: 170px;
  padding: 13px 24px;
  font-size: 15px;
}

.btn {
  min-width: 200px;
  padding: 16px 28px;
  text-align: center;
  font-size: 16px;
}

.btn-primary {
  color: #fff;
  background: var(--green);
}

.btn-primary:hover {
  background: var(--green-hover);
}

.btn-secondary {
  color: var(--green);
  border: 2px solid var(--green);
  background: transparent;
}

.btn-secondary:hover {
  background: var(--pale);
}

.benefits {
  display: flex;
  gap: clamp(18px, 2vw, 36px);
  margin-top: 24px;
}

.benefit {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13px;
  font-weight: 600;
  line-height: 1.3;
}

.benefit-icon {
  width: 50px;
  height: 50px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #328b18;
  background: var(--pale);
  font: 700 26px/1 Arial;
  flex-shrink: 0;
}

.hero-art {
  position: relative;
  overflow: hidden;
}

.hero-art-img {
  position: absolute;
  inset: 0;
  background-position: right center;
  background-size: contain;
  background-repeat: no-repeat;
}

.art-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(114deg, rgba(255,255,255,0.94) 0%, rgba(255,255,255,0) 28%);
}

.art-message,
.art-caption,
.art-slogan {
  display: none;
}

/* Common Section Layouts */
.section-padding {
  padding: clamp(4.5rem, 7vw, 7rem) clamp(24px, 5vw, 96px);
}

.container {
  max-width: 1280px;
  margin: 0 auto;
}

.section-header {
  display: flex;
  flex-direction: column;
  margin-bottom: 50px;
}

.section-header-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 20px;
}

.section-title-wrap {
  display: flex;
  flex-direction: column;
}

.section-title {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 900;
  color: var(--ink);
  letter-spacing: -1px;
  line-height: 1.1;
}

.section-subtitle-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 10px;
}

.section-line {
  width: 32px;
  height: 3px;
  background: var(--green);
  display: inline-block;
}

.section-subtitle {
  color: #666;
  font-size: 1.05rem;
  font-weight: 500;
}

.section-link {
  color: var(--green);
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap 0.2s ease;
}

.section-link:hover {
  gap: 12px;
  text-decoration: underline;
}

/* Interactive Loan Calculator Section */
.calculator-section {
  background: linear-gradient(180deg, #fafdfe 0%, #f4f8f8 100%);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: stretch;
}

.calc-card {
  background: #ffffff;
  border-radius: 28px;
  padding: 40px;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.06);
  border: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-group {
  margin-bottom: 32px;
}

.calc-label-wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.calc-label {
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--ink);
}

.calc-value-badge {
  font-weight: 900;
  font-size: 1.35rem;
  color: var(--green);
  background: var(--pale);
  padding: 6px 18px;
  border-radius: 99px;
}

.calc-slider {
  width: 100%;
  height: 8px;
  border-radius: 99px;
  background: #e2e8f0;
  outline: none;
  accent-color: var(--green);
  cursor: pointer;
}

.tenure-selector {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.tenure-btn {
  padding: 14px;
  border-radius: 14px;
  border: 2px solid #e2e8f0;
  background: #ffffff;
  font-weight: 800;
  font-size: 1rem;
  color: #475569;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
}

.tenure-btn.active,
.tenure-btn:hover {
  border-color: var(--green);
  color: var(--green);
  background: var(--pale);
}

.calc-results-box {
  background: #121619;
  border-radius: 28px;
  padding: 40px;
  color: white;
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.2);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.results-header {
  font-size: 1.1rem;
  font-weight: 700;
  color: #94a3b8;
  margin-bottom: 24px;
  border-bottom: 1px solid #273549;
  padding-bottom: 14px;
}

.results-main-amount {
  margin-bottom: 28px;
}

.main-amount-label {
  font-size: 0.9rem;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-weight: 700;
}

.main-amount-val {
  font-size: clamp(2.4rem, 4vw, 3.2rem);
  font-weight: 900;
  color: var(--lime);
  line-height: 1.1;
  margin-top: 6px;
}

.results-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 32px;
  padding: 20px;
  background: #1e293b;
  border-radius: 18px;
}

.breakdown-item {
  display: flex;
  flex-direction: column;
}

.breakdown-label {
  font-size: 0.8rem;
  color: #94a3b8;
  font-weight: 600;
}

.breakdown-val {
  font-size: 1.15rem;
  font-weight: 800;
  color: white;
  margin-top: 4px;
}

.calc-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.btn-quote {
  background: #334155;
  color: white;
}

.btn-quote:hover {
  background: #475569;
}

/* Loan Products Grid */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.product-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 24px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.08);
  border-color: #c7ecc0;
}

.product-icon-badge {
  width: 64px;
  height: 64px;
  margin: 28px 28px 0;
  border-radius: 16px;
  background: var(--pale);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s ease;
}

.product-icon-badge i {
  width: 30px;
  height: 30px;
}

.product-card:hover .product-icon-badge {
  transform: scale(1.08);
}

.product-body {
  padding: 20px 28px 28px;
  display: flex;
  flex-direction: column;
  flex: 1;
  justify-content: space-between;
}

.product-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--ink);
  margin-bottom: 12px;
}

.product-desc {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.55;
  margin-bottom: 24px;
}

.card-link {
  color: var(--green);
  font-weight: 700;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap 0.2s ease;
}

.product-card:hover .card-link {
  gap: 12px;
}

/* About Section & Core Values */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}

.about-media {
  position: relative;
}

.about-img-wrap {
  height: 440px;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.08);
  background: #f0f0f0;
}

.about-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}

.floating-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-radius: 18px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.8);
  max-width: 320px;
}

.badge-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--pale);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.badge-text {
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--ink);
  line-height: 1.3;
}

.about-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: 99px;
  background: var(--pale);
  color: var(--green);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 1.5px;
  margin-bottom: 20px;
  text-transform: uppercase;
}

.about-tag span {
  width: 14px;
  height: 2px;
  background: var(--green);
}

.about-content h2 {
  font-size: clamp(2.2rem, 3.8vw, 3.2rem);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -1px;
  margin-bottom: 24px;
}

.about-content p {
  color: #4a5568;
  font-size: 1.05rem;
  line-height: 1.65;
  margin-bottom: 16px;
}

.mission-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.mission-card {
  background: #ffffff;
  padding: 32px;
  border-radius: 24px;
  border: 1px solid var(--border-light);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.mission-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.08);
}

.mission-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--pale);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.mission-icon i {
  width: 26px;
  height: 26px;
}

.mission-card h3 {
  color: var(--ink);
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 4px;
}

.mission-eyebrow {
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 12px;
}

.mission-card > p:not(.mission-eyebrow) {
  color: #475569;
  line-height: 1.6;
  font-size: 0.95rem;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.value-item {
  background: var(--gray-bg);
  padding: 24px 20px;
  border-radius: 16px;
  border: 1px solid var(--border-light);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.value-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.05);
}

.value-icon {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: #ffffff;
  color: var(--green);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.value-icon i {
  width: 20px;
  height: 20px;
}

.value-item h4 {
  font-weight: 800;
  color: var(--green);
  font-size: 1rem;
  margin-bottom: 6px;
}

.value-item p {
  font-size: 0.85rem;
  color: #64748b;
  line-height: 1.45;
  margin: 0;
}

/* Online Application Platform Section */
.app-section {
  background: #ffffff;
  border-top: 1px solid var(--border-light);
}

.app-box {
  background: var(--gray-bg);
  border: 1px solid var(--border-light);
  border-radius: 32px;
  padding: clamp(32px, 5vw, 60px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.04);
}

.app-step-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
}

.app-step-number {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--green);
  color: #ffffff;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.app-step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--ink);
}

.app-step-desc {
  font-size: 0.88rem;
  color: #64748b;
  margin-top: 2px;
}

.app-divider {
  border: none;
  border-top: 1px solid var(--border-light);
  margin: 40px 0;
}

.form-hint {
  font-size: 0.78rem;
  color: #94a3b8;
  margin-top: 6px;
}

/* Before You Apply Banner */
.before-apply-banner {
  background: var(--pale);
  border-radius: 24px;
  padding: 28px clamp(20px, 3vw, 36px);
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.before-apply-icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: #ffffff;
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.before-apply-text h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ink);
  margin-bottom: 2px;
}

.before-apply-text p {
  font-size: 0.85rem;
  color: #475569;
}

.before-apply-items {
  display: flex;
  gap: 28px;
  flex-wrap: nowrap;
  flex: 1;
  justify-content: space-between;
}

.before-apply-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  min-width: 0;
}

.before-apply-item-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: #ffffff;
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
}

.before-apply-item-icon i {
  width: 18px;
  height: 18px;
}

.before-apply-item span {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--ink);
}

.before-apply-item small {
  font-size: 0.7rem;
  color: #64748b;
}

.before-apply-divider {
  width: 1px;
  align-self: stretch;
  background: rgba(35, 124, 13, 0.15);
}

.before-apply-note {
  max-width: 220px;
  font-size: 0.8rem;
  color: #475569;
  line-height: 1.4;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-label {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--ink);
  margin-bottom: 8px;
}

.form-input,
.form-select {
  width: 100%;
  padding: 14px 18px;
  border-radius: 12px;
  border: 1px solid #cbd5e1;
  background: #ffffff;
  font-size: 0.95rem;
  color: var(--ink);
  font-family: inherit;
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(35, 124, 13, 0.15);
}

.docs-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.doc-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 16px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.doc-card-top {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.doc-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--pale);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.doc-icon i {
  width: 20px;
  height: 20px;
}

.doc-card-title {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--ink);
  line-height: 1.3;
  margin-bottom: 6px;
}

.doc-required-badge {
  display: inline-block;
  background: #fee2e2;
  color: #dc2626;
  font-size: 0.68rem;
  font-weight: 800;
  padding: 3px 9px;
  border-radius: 99px;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

.doc-upload-zone {
  position: relative;
  display: block;
  text-align: center;
  border: 1.5px dashed #cbd5e1;
  border-radius: 12px;
  padding: 18px 12px;
  cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease;
}

.doc-upload-zone:hover {
  border-color: var(--green);
  background: var(--pale);
}

.doc-upload-zone.has-file {
  border-color: var(--green);
  border-style: solid;
  background: var(--pale);
}

.doc-upload-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--gray-bg);
  color: #64748b;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 8px;
}

.doc-upload-icon i {
  width: 16px;
  height: 16px;
}

.doc-upload-label {
  display: block;
  color: var(--green);
  font-weight: 700;
  font-size: 0.85rem;
}

.doc-upload-hint {
  font-size: 0.72rem;
  color: #94a3b8;
  margin-top: 4px;
}

.doc-upload-zone .file-input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
  overflow: hidden;
}

.consent-block {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 32px;
}

.consent-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.88rem;
  color: #475569;
  line-height: 1.5;
}

.consent-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 3px;
  accent-color: var(--green);
  cursor: pointer;
  flex-shrink: 0;
}

/* How It Works Steps */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}

.step-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
}

.step-circle-wrap {
  position: relative;
  margin-bottom: 24px;
}

.step-circle {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  border: 1px solid #e2e8f0;
  background: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
  transition: border-color 0.25s ease, transform 0.25s ease;
}

.step-card:hover .step-circle {
  border-color: var(--green);
  transform: scale(1.05);
}

.step-badge {
  position: absolute;
  bottom: -6px;
  left: 50%;
  transform: translateX(-50%);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--green);
  color: white;
  font-weight: 800;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 3px solid #ffffff;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
}

.step-title {
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 8px;
  color: var(--ink);
}

.step-desc {
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.5;
  max-width: 220px;
}

.step-arrow {
  position: absolute;
  top: 50px;
  right: -20px;
  transform: translateX(50%);
  color: #cbd5e1;
}

/* Why Brightminds Band */
.why-band {
  background: var(--pale);
  border-radius: 32px;
  padding: 48px clamp(24px, 4vw, 56px);
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}

.why-band-intro {
  flex: 1 1 280px;
  max-width: 320px;
}

.why-band-title {
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--ink);
  line-height: 1.2;
  margin: 4px 0 10px;
}

.why-band-desc {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.5;
}

.why-band-divider {
  width: 1px;
  align-self: stretch;
  background: rgba(35, 124, 13, 0.15);
  flex: 0 0 1px;
}

.why-band-items {
  display: flex;
  flex: 2 1 500px;
}

.why-item {
  flex: 1;
  text-align: center;
  padding: 0 16px;
  border-left: 1px solid rgba(35, 124, 13, 0.15);
}

.why-item:first-child {
  border-left: none;
}

.why-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #ffffff;
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
}

.why-icon i {
  width: 22px;
  height: 22px;
}

.why-item h4 {
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--ink);
  margin-bottom: 6px;
}

.why-item p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* Testimonials Section */
.testimonials-section {
  background: var(--gray-bg);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}

.testimonial-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 20px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.02);
}

.testimonial-quote {
  color: #334155;
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 28px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 16px;
}

.author-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--pale);
}

.author-info {
  display: flex;
  flex-direction: column;
}

.author-name {
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--ink);
}

.author-role {
  font-size: 0.8rem;
  color: #94a3b8;
  margin-bottom: 4px;
}

.star-rating {
  display: flex;
  gap: 3px;
  color: var(--green);
}

/* CTA Banner Section */
.cta-banner {
  position: relative;
  padding: 100px 24px;
  background: #0f172a;
  color: white;
  text-align: center;
  overflow: hidden;
}

.cta-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.35;
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 23, 42, 0.75) 0%, rgba(15, 23, 42, 0.85) 100%);
}

.cta-content {
  position: relative;
  z-index: 2;
  max-width: 800px;
  margin: 0 auto;
}

.cta-eyebrow {
  font-size: 0.85rem;
  font-weight: 800;
  letter-spacing: 3px;
  color: #cbd5e1;
  text-transform: uppercase;
  margin-bottom: 16px;
  display: block;
}

.cta-title {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 900;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: 16px;
  letter-spacing: -1px;
}

.cta-desc {
  font-size: 1.15rem;
  color: #e2e8f0;
  margin-bottom: 36px;
}

.cta-actions {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-white-outline {
  border: 2px solid rgba(255, 255, 255, 0.8);
  color: white;
  background: transparent;
}

.btn-white-outline:hover {
  border-color: white;
  background: rgba(255, 255, 255, 0.1);
}

/* Footer Section */
.site-footer {
  background: #121619;
  color: #94a3b8;
  padding: 80px 24px 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1fr 1.2fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-col-title {
  color: #ffffff;
  font-weight: 800;
  font-size: 1.05rem;
  margin-bottom: 20px;
}

.footer-brand {
  display: flex;
  flex-direction: column;
}

.footer-logo-title {
  font: 800 24px/1 'DM Sans', sans-serif;
  color: white;
  letter-spacing: -1px;
}

.footer-logo-title span {
  color: var(--green);
}

.footer-logo-sub {
  font: 700 9px/1 'DM Sans', sans-serif;
  letter-spacing: 3.5px;
  color: #64748b;
  margin-top: 6px;
  text-transform: uppercase;
}

.footer-logo-tag {
  font: 700 8px/1 'DM Sans', sans-serif;
  letter-spacing: 1.5px;
  color: #475569;
  margin-top: 4px;
  text-transform: uppercase;
}

.footer-desc {
  font-size: 0.9rem;
  line-height: 1.6;
  color: #94a3b8;
  margin: 20px 0 24px;
}

.social-links {
  display: flex;
  gap: 12px;
}

.social-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #1e293b;
  color: #cbd5e1;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, color 0.2s;
}

.social-icon:hover {
  background: var(--green);
  color: white;
}

.social-icon svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a,
.footer-modal-trigger {
  color: #94a3b8;
  font-size: 0.9rem;
  transition: color 0.2s;
  cursor: pointer;
  background: none;
  border: none;
  text-align: left;
  padding: 0;
}

.footer-links a:hover,
.footer-modal-trigger:hover {
  color: white;
  text-decoration: underline;
}

.contact-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9rem;
  color: #94a3b8;
}

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

.newsletter-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 12px;
}

.newsletter-input {
  width: 100%;
  padding: 14px 18px;
  border-radius: 10px;
  border: 1px solid #334155;
  background: #ffffff;
  color: var(--ink);
  font-size: 0.9rem;
}

.newsletter-input:focus {
  outline: 2px solid var(--green);
}

.newsletter-btn {
  width: 100%;
  padding: 14px;
  border-radius: 10px;
  border: none;
  background: var(--green);
  color: white;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: background 0.2s;
}

.newsletter-btn:hover {
  background: var(--green-hover);
}

.footer-bottom {
  border-top: 1px solid #1e293b;
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: #64748b;
  flex-wrap: wrap;
  gap: 12px;
}

/* Modals */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 9999;
  background: rgba(15, 23, 42, 0.75);
  backdrop-filter: blur(4px);
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.modal-overlay.active {
  display: flex;
}

.modal-container {
  background: #ffffff;
  border-radius: 24px;
  max-width: 680px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 40px;
  position: relative;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.3);
}

.modal-close {
  position: absolute;
  top: 24px;
  right: 24px;
  background: var(--gray-bg);
  border: 1px solid var(--border-light);
  border-radius: 50%;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: #64748b;
  font-weight: 700;
}

.modal-close:hover {
  background: #e2e8f0;
  color: var(--ink);
}

.modal-title {
  font-size: 1.8rem;
  font-weight: 900;
  color: var(--ink);
  margin-bottom: 16px;
}

.quote-sheet {
  border: 2px solid var(--pale);
  border-radius: 18px;
  padding: 24px;
  background: var(--gray-bg);
  margin: 20px 0;
}

.quote-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid #e2e8f0;
  font-size: 0.95rem;
}

.quote-row:last-child {
  border-bottom: none;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--green);
  padding-top: 14px;
}

/* Preloader */
.preloader {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #ffffff;
  transition: opacity 0.69s ease;
}

.preloader-logo {
  width: 150px;
  animation: preloaderPulse 1.265s ease-in-out infinite;
}

.preloader-logo img {
  width: 100%;
  display: block;
}

@keyframes preloaderPulse {
  0%, 100% {
    opacity: 0.5;
    transform: scale(0.94);
  }
  50% {
    opacity: 1;
    transform: scale(1);
  }
}

.preloader.is-hidden {
  opacity: 0;
  pointer-events: none;
}

body.is-loading {
  overflow: hidden;
}

/* Scroll Reveal Animations */
.reveal {
  opacity: 0;
  transition: opacity 0.805s cubic-bezier(0.16, 1, 0.3, 1), transform 0.805s cubic-bezier(0.16, 1, 0.3, 1);
}

.reveal-left {
  transform: translateX(-46px);
}

.reveal-right {
  transform: translateX(46px);
}

.reveal-down {
  transform: translateY(-28px);
}

.reveal-up {
  transform: translateY(28px);
}

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

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

/* Contact Page Grid */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 40px;
  align-items: stretch;
}

.contact-info-card {
  background: var(--gray-bg);
  border-radius: 28px;
  padding: 40px;
  border: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
}

.contact-info-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
  flex: 1;
  justify-content: space-between;
}

.contact-form-card {
  background: white;
  border-radius: 28px;
  padding: 40px;
  border: 1px solid var(--border-light);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
  display: flex;
  flex-direction: column;
}

.contact-form {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.contact-form-fields {
  display: flex;
  flex-direction: column;
  gap: 18px;
  flex: 1;
}

/* Print Styles for Quote */
@media print {
  body * {
    visibility: hidden;
  }
  .modal-overlay.active,
  .modal-overlay.active * {
    visibility: visible;
  }
  .modal-overlay.active {
    position: absolute;
    left: 0;
    top: 0;
    width: 100%;
    height: auto;
    background: white;
  }
  .modal-close,
  .btn-print-hide {
    display: none !important;
  }
}

/* Media Queries */
@media (max-width: 1100px) {
  .site-header {
    padding-inline: 28px;
  }
  .header-inner {
    gap: 20px;
  }
  .primary-nav {
    gap: 16px;
  }
  .primary-nav a {
    font-size: 14px;
  }
  .header-cta {
    padding: 14px 20px;
    font-size: 14px;
  }
  .hero-inner {
    grid-template-columns: 1fr;
  }
  .hero-copy {
    padding-right: 40px;
  }
  .hero-art {
    position: absolute;
    inset: 0 0 0 45%;
    opacity: 0.28;
    min-height: 0;
  }
  .calc-grid,
  .about-grid {
    grid-template-columns: 1fr;
  }
  .values-grid,
  .mission-grid {
    grid-template-columns: 1fr;
  }
  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .step-arrow {
    display: none;
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.legal-tabs {
  display: flex;
  gap: 8px;
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 32px;
}

.legal-tab-btn {
  appearance: none;
  background: none;
  border: none;
  cursor: pointer;
  font: inherit;
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--text-muted);
  padding: 14px 18px;
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
}

.legal-tab-btn.active {
  color: var(--green);
  border-bottom-color: var(--green);
}

.legal-panel {
  display: none;
}

.legal-panel.active {
  display: block;
}

@media (max-width: 720px) {
  .site-header {
    height: 80px;
    padding: 0 20px;
  }
  .header-inner {
    height: 100%;
    flex-wrap: nowrap;
    justify-content: space-between;
  }
  .brand {
    align-items: flex-start;
    width: auto;
    flex-basis: auto;
    margin-top: 0;
  }
  .brand-img {
    height: 106px;
  }
  .primary-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: inline-flex;
  }
  .mobile-menu-toggle svg {
    width: 30px;
    height: 30px;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .steps-grid {
    grid-template-columns: 1fr;
  }
  .why-band {
    flex-direction: column;
    align-items: stretch;
  }
  .why-band-intro {
    max-width: none;
  }
  .why-band-divider {
    display: none;
  }
  .why-band-items {
    flex-direction: column;
    gap: 24px;
  }
  .why-item {
    border-left: none;
    border-top: 1px solid rgba(35, 124, 13, 0.15);
    padding: 20px 0 0;
  }
  .why-item:first-child {
    border-top: none;
    padding-top: 0;
  }
  .before-apply-banner {
    flex-direction: column;
    align-items: stretch;
    text-align: center;
  }
  .before-apply-items {
    justify-content: center;
    flex-wrap: wrap;
  }
  .before-apply-divider {
    display: none;
  }
  .before-apply-note {
    max-width: none;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .contact-info-items {
    flex: none;
    justify-content: flex-start;
  }
  .header-cta {
    display: none;
  }
  .hero {
    padding: 20px 20px 24px;
  }
  .hero-copy {
    padding-right: 0;
  }
  h1 {
    font-size: 36px;
    letter-spacing: -1px;
  }
  .hero-description {
    font-size: 14px;
    line-height: 1.4;
    margin: 10px 0 14px;
  }
  .hero-actions {
    gap: 10px;
    margin-bottom: 14px;
  }
  .hero-actions .btn {
    min-width: 0;
    flex: 1 1 auto;
    padding: 12px 14px;
    font-size: 13px;
  }
  .benefits {
    flex-wrap: nowrap;
    gap: clamp(4px, 2vw, 18px);
    margin-top: 0;
  }
  .benefit {
    flex: 1 1 0;
    min-width: 0;
    gap: clamp(4px, 1.5vw, 12px);
  }
  .benefit-icon {
    width: clamp(26px, 9vw, 44px);
    height: clamp(26px, 9vw, 44px);
    font-size: clamp(12px, 4vw, 18px);
    flex-shrink: 0;
  }
  .benefit span {
    font-size: clamp(9px, 2.6vw, 13px);
    line-height: 1.25;
  }
  .hero-art {
    position: relative;
    inset: auto;
    opacity: 1;
    min-height: 0;
    height: auto;
    width: 100%;
    margin-left: auto;
    margin-top: 16px;
    aspect-ratio: 1458 / 1079;
    border-radius: 18px;
    overflow: hidden;
  }
  .hero-art-img {
    background-size: contain;
    background-position: center;
  }
  .art-overlay {
    display: none;
  }
}