/* Sterling Credit: site styles */
:root {
  /* Brand colours sampled from sterlingcredit.co.ke */
  --navy: #272B6A;       /* primary indigo (footer, buttons, logo) */
  --navy-2: #363B8C;     /* lighter indigo for gradients/hover */
  --navy-ink: #1C1F52;   /* darkest indigo (top bar, footer) */
  --gold: #FFC829;       /* logo gold, used on dark backgrounds */
  --gold-soft: #FFF6DB;
  --green: #18BA60;      /* link/accent green ("Continue Reading") */
  --green-dark: #128F4A; /* green text on white, for contrast */
  --green-soft: #E7F8EF;
  --heading: #2E363A;
  --ink: #1F2326;
  --muted: #5E666B;
  --line: #E4E6EF;
  --bg: #ffffff;
  --bg-alt: #F5F6FA;
  --error: #c62828;
  --error-soft: #fdecec;
  --ok: #18BA60;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(39, 43, 106, .06), 0 8px 24px rgba(39, 43, 106, .08);
  --shadow-lg: 0 18px 50px rgba(39, 43, 106, .18);
  --container: 1210px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
}
img, svg { max-width: 100%; }
a { color: var(--navy-2); }
a:hover { color: var(--green-dark); }
h1, h2, h3 { line-height: 1.2; color: var(--heading); margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); letter-spacing: -.01em; }
h3 { font-size: 1.1rem; font-weight: 600; }
p { margin: 0 0 1em; }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }
.center { text-align: center; }
.skip { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy); padding: 8px 14px; z-index: 100; }
.skip:focus { left: 10px; }
.icon { width: 1em; height: 1em; fill: currentColor; flex: none; }
[id], input, select, textarea { scroll-margin-top: 110px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  padding: .72em 1.35em; border-radius: 999px; border: 2px solid transparent;
  font: inherit; font-weight: 600; font-size: .95rem; text-decoration: none; cursor: pointer;
  transition: transform .15s, background .15s, color .15s, border-color .15s, box-shadow .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-lg { padding: .9em 1.7em; font-size: 1rem; }
.btn-block { width: 100%; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); color: #fff; box-shadow: var(--shadow); }
.btn-gold { background: var(--gold); color: var(--navy-ink); }
.btn-gold:hover { background: #FFD45A; color: var(--navy-ink); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost { border-color: rgba(255, 255, 255, .45); color: #fff; }
.btn-ghost:hover { border-color: #fff; color: #fff; background: rgba(255, 255, 255, .08); }
.btn-ghost-light { border-color: rgba(255, 255, 255, .5); color: #fff; }
.btn-ghost-light:hover { color: var(--navy); background: #fff; }
.btn[disabled] { opacity: .65; cursor: progress; transform: none; }
.btn-row { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }

/* Top bar */
.topbar { background: var(--navy-ink); color: #c9d3e3; font-size: .85rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 40px; flex-wrap: wrap; padding-block: 6px; }
.topbar a { color: #fff; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--gold); }
.topbar svg { width: 14px; height: 14px; fill: var(--gold); }
.topbar-contact { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar-cta a { color: var(--gold); font-weight: 600; }

/* Header + nav */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 76px; }
.brand { text-decoration: none; display: inline-flex; align-items: center; }
.logo-img { height: 46px; width: auto; }
.wordmark { font-weight: 700; font-size: 1.45rem; letter-spacing: .04em; line-height: 1; }
.wm-a { color: var(--navy); }
.wm-b { color: var(--gold); }
.main-nav > ul { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; align-items: center; }
.main-nav a, .sub-toggle {
  display: inline-flex; align-items: center; gap: 4px; padding: 10px 14px; border-radius: 8px;
  font: inherit; font-size: .9rem; font-weight: 600; letter-spacing: .02em; text-transform: uppercase;
  color: var(--navy); text-decoration: none; background: none; border: 0; cursor: pointer;
}
.main-nav a:hover, .sub-toggle:hover, .main-nav a.active, .active-parent > .sub-toggle { color: var(--green-dark); }
.sub-toggle svg { width: 18px; height: 18px; fill: currentColor; transition: transform .2s; }
.has-sub { position: relative; }
.sub {
  list-style: none; margin: 0; padding: 8px; position: absolute; top: 100%; left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: .18s;
}
.sub a { display: block; text-transform: none; letter-spacing: 0; font-weight: 500; font-size: .95rem; padding: 9px 12px; }
.sub a:hover { background: var(--bg-alt); }
.has-sub:hover .sub, .has-sub:focus-within .sub, .has-sub.open .sub { opacity: 1; visibility: visible; transform: none; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .2s; }

@media (max-width: 920px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-lg); display: none; max-height: calc(100vh - 120px); overflow-y: auto;
  }
  .main-nav.open { display: block; }
  .main-nav > ul { flex-direction: column; align-items: stretch; padding: 10px 16px 18px; }
  .main-nav a, .sub-toggle { width: 100%; justify-content: space-between; padding: 13px 8px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .sub { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; display: none; padding: 0 0 0 12px; }
  .has-sub:hover .sub, .has-sub:focus-within .sub { display: none; }
  .has-sub.open .sub { display: block; }
  .has-sub.open .sub-toggle svg { transform: rotate(180deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

/* Hero */
.hero {
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(255, 200, 41, .22), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(255, 255, 255, .06), transparent 60%),
    linear-gradient(135deg, var(--navy-ink), var(--navy) 55%, var(--navy-2));
  color: #dbe4f2; padding: 84px 0 96px; overflow: hidden;
}
.hero-inner { display: grid; grid-template-columns: 1.25fr .85fr; gap: 56px; align-items: center; }
.hero h1 { color: #fff; }
.hero .hl { color: var(--gold); }
.lead { font-size: 1.12rem; color: var(--muted); }
.hero .lead { color: #c9d5e8; max-width: 600px; }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--green-dark); margin-bottom: 12px; }
.hero .eyebrow { color: var(--gold); background: rgba(255, 200, 41, .12); padding: 6px 12px; border-radius: 999px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 28px 0 26px; }
.hero-points { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; font-size: .92rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; }
.hero-points .icon { color: var(--gold); width: 18px; height: 18px; }
.hero-card { background: #fff; color: var(--ink); border-radius: 20px; padding: 28px; box-shadow: var(--shadow-lg); position: relative; }
.hero-card::before { content: ""; position: absolute; inset: -14px 18px auto auto; width: 90px; height: 90px; border-radius: 22px; background: var(--gold); opacity: .18; z-index: -1; }
.hc-head { font-weight: 600; color: var(--muted); font-size: .9rem; text-transform: uppercase; letter-spacing: .08em; }
.hc-amount { font-size: 2.2rem; font-weight: 700; color: var(--navy); margin: 6px 0 16px; line-height: 1.1; }
.hc-amount small { display: block; font-size: .85rem; font-weight: 500; color: var(--muted); }
.hero-card ul { list-style: none; padding: 0; margin: 0 0 20px; border-top: 1px solid var(--line); }
.hero-card li { display: flex; justify-content: space-between; padding: 11px 0; border-bottom: 1px solid var(--line); font-size: .95rem; }
.hero-card li span { color: var(--muted); }
.hc-link { display: block; text-align: center; margin-top: 14px; font-size: .9rem; font-weight: 500; text-decoration: none; }

/* Page hero */
.page-hero { background: linear-gradient(135deg, var(--navy-ink), var(--navy)); color: #c9d5e8; padding: 46px 0; }
.page-hero-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.page-hero h1 { color: #fff; margin: 0; font-size: clamp(1.7rem, 3.6vw, 2.5rem); }
.crumbs { font-size: .9rem; }
.crumbs a { color: #fff; text-decoration: none; }
.crumbs a:hover { color: var(--gold); }
.crumbs span { margin: 0 4px; color: #9fb0c9; }

/* Sections + cards */
.section { padding: 80px 0; }
.section.alt { background: var(--bg-alt); }
.section-head { max-width: 720px; margin-bottom: 40px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.section-head.row { max-width: none; display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.cards { display: grid; gap: 22px; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px;
  box-shadow: var(--shadow); color: var(--ink); text-decoration: none; display: flex; flex-direction: column;
  transition: transform .18s, box-shadow .18s, border-color .18s;
}
.card p { color: var(--muted); font-size: .95rem; }
a.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: #d2d9e6; color: var(--ink); }
.card-icon {
  width: 50px; height: 50px; border-radius: 12px; display: inline-grid; place-items: center; flex: none;
  background: var(--green-soft); color: var(--green); margin-bottom: 16px;
}
.card-icon .icon { width: 26px; height: 26px; }
.card-foot { margin-top: auto; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 10px; padding-top: 8px; }
.card-foot > * { white-space: nowrap; }
.pill { align-self: flex-start; white-space: nowrap; display: inline-block; background: var(--bg-alt); color: var(--navy); border: 1px solid var(--line); border-radius: 999px; padding: 3px 11px; font-size: .78rem; font-weight: 600; }
.more { display: inline-flex; align-items: center; gap: 6px; color: var(--green-dark); font-weight: 600; font-size: .9rem; margin-top: auto; }
.more .icon { transition: transform .15s; }
a.card:hover .more { color: var(--green); }
a.card:hover .more .icon { transform: translateX(3px); }
.offer h3 { font-size: 1.2rem; }

/* Stats */
.stats { background: var(--navy); color: #fff; padding: 48px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stats b { display: block; font-size: clamp(1.8rem, 3.4vw, 2.5rem); color: var(--gold); line-height: 1.15; }
.stats span { color: #c9d5e8; font-size: .95rem; }
.stats small { color: #9fb0c9; }

/* Split / features */
.split { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: center; }
.split p { color: var(--muted); }
.features { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.feature { display: flex; gap: 14px; align-items: flex-start; background: var(--bg-alt); border-radius: var(--radius); padding: 20px; }
.feature .card-icon { margin: 0; background: #fff; }
.feature h3 { margin-bottom: 4px; font-size: 1rem; }
.feature p { margin: 0; font-size: .9rem; }
.mission-card { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #d6e0ef; border-radius: 20px; padding: 36px; box-shadow: var(--shadow-lg); }
.mission-card h3 { color: #fff; font-size: 1.4rem; }
.mission-card p { color: #d6e0ef; font-size: 1.05rem; margin: 0; }
.mission-card .card-icon { background: rgba(255, 200, 41, .16); color: var(--gold); }

/* Specs */
.spec-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.spec { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 4px; }
.spec .icon { width: 28px; height: 28px; color: var(--green); margin-bottom: 8px; }
.spec b { color: var(--navy); font-size: 1.08rem; }
.spec span { color: var(--muted); font-size: .9rem; }

/* Apply choices */
.choice { align-items: flex-start; }
.choice .btn { margin-top: auto; }

/* Forms */
.form-layout { display: grid; grid-template-columns: 320px 1fr; gap: 40px; align-items: start; }
.form-aside { position: sticky; top: 100px; }
.form-aside h3 { margin-top: 24px; }
.form-aside p { color: var(--muted); }
.req-list { list-style: none; padding: 0; margin: 0 0 18px; }
.req-list li { display: flex; gap: 10px; align-items: flex-start; padding: 6px 0; font-size: .95rem; }
.req-list .icon { color: var(--ok); width: 20px; height: 20px; margin-top: 3px; }
.help-box { background: var(--gold-soft); border-radius: var(--radius-sm); padding: 14px 16px; display: flex; flex-direction: column; }
.help-box a { font-weight: 600; font-size: 1.05rem; }
.fine { font-size: .85rem; color: var(--muted); }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 32px; box-shadow: var(--shadow); min-width: 0; }
.form-title { font-size: 1.4rem; }
.form-section { border: 0; padding: 0; margin: 0 0 30px; min-width: 0; }
.form-section legend {
  font-weight: 600; font-size: 1.05rem; color: var(--navy); width: 100%;
  padding: 0 0 10px 14px; margin-bottom: 18px; border-bottom: 1px solid var(--line); position: relative;
}
.form-section legend::before { content: ""; position: absolute; left: 0; top: 4px; bottom: 14px; width: 4px; border-radius: 4px; background: var(--gold); }
.grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.field { display: flex; flex-direction: column; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field > label { font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.req { color: var(--error); font-style: normal; }
input[type=text], input[type=email], input[type=tel], input[type=date], input[type=number], input[type=password], select, textarea {
  width: 100%; font: inherit; font-size: .95rem; color: var(--ink); background: #fbfcfe;
  border: 1.5px solid #d5dbe6; border-radius: var(--radius-sm); padding: 11px 13px; min-height: 46px;
  transition: border-color .15s, box-shadow .15s, background .15s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--navy-2); background: #fff; box-shadow: 0 0 0 4px rgba(39, 43, 106, .14); }
textarea { resize: vertical; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%235d6779' d='M7 10l5 5 5-5z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 10px center; background-size: 22px; padding-right: 36px; }
.input-prefix { display: flex; }
.input-prefix span { display: grid; place-items: center; padding: 0 12px; background: var(--bg-alt); border: 1.5px solid #d5dbe6; border-right: 0; border-radius: var(--radius-sm) 0 0 var(--radius-sm); font-size: .85rem; font-weight: 600; color: var(--muted); }
.input-prefix input { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.hint { color: var(--muted); font-size: .8rem; margin-top: 5px; }
.error { color: var(--error); font-size: .82rem; margin-top: 5px; font-weight: 500; }
.has-error input, .has-error select, .has-error textarea, .has-error .file-drop, .has-error .input-prefix span { border-color: var(--error); }
.file-drop { display: flex; align-items: center; gap: 12px; border: 1.5px dashed #c3ccdb; border-radius: var(--radius-sm); padding: 8px; cursor: pointer; background: #fbfcfe; min-height: 46px; transition: .15s; }
.file-drop:hover { border-color: var(--navy-2); background: #fff; }
.file-drop input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.file-drop:focus-within { border-color: var(--navy-2); box-shadow: 0 0 0 4px rgba(39, 43, 106, .14); }
.file-btn { background: var(--navy); color: #fff; padding: 6px 12px; border-radius: 6px; font-size: .82rem; font-weight: 600; white-space: nowrap; }
.file-name { font-size: .85rem; color: var(--muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.file-drop.has-file { border-style: solid; border-color: var(--ok); }
.file-drop.has-file .file-name { color: var(--ok); font-weight: 500; }
.check { display: flex; gap: 12px; align-items: flex-start; font-size: .95rem; cursor: pointer; }
.check input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--navy); flex: none; }
.form-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.alert { border-radius: var(--radius-sm); padding: 14px 16px; margin-bottom: 24px; font-size: .95rem; }
.alert-error { background: var(--error-soft); color: #8e1c1c; border: 1px solid #f3c2c2; }

/* Contact */
.contact-cards { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 14px; }
.contact-cards li { display: flex; gap: 14px; align-items: center; }
.contact-cards .card-icon { margin: 0; width: 44px; height: 44px; }
.contact-cards b { display: block; color: var(--navy); font-size: .88rem; }
.contact-cards a, .contact-cards span { font-size: .95rem; color: var(--ink); text-decoration: none; }
.map iframe { display: block; width: 100%; height: 380px; border: 0; filter: saturate(.85); }

/* Blog / prose */
.post-card h3 { font-size: 1.25rem; margin-top: 14px; }
.post-meta { display: flex; gap: 12px; align-items: center; color: var(--muted); font-size: .88rem; margin-bottom: 14px; }
.post-card .post-meta { margin: 0; }
.prose { font-size: 1.03rem; }
.prose h2 { font-size: 1.4rem; margin-top: 1.6em; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.back { margin-top: 40px; }

/* Thank you */
.thanks-icon { display: inline-grid; place-items: center; width: 76px; height: 76px; border-radius: 50%; background: #e3f4ea; color: var(--ok); margin-bottom: 20px; }
.thanks-icon .icon { width: 40px; height: 40px; }
.ref { font-size: 1.6rem; font-weight: 700; color: var(--navy); letter-spacing: .06em; background: var(--bg-alt); display: inline-block; padding: 8px 20px; border-radius: 10px; border: 1px dashed #c3ccdb; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--navy), var(--navy-2)); color: #d6e0ef; padding: 56px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { margin: 0; }
.cta-band a:not(.btn) { color: var(--gold); }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: var(--navy); color: #D5D7EC; padding-top: 64px; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 36px; padding-bottom: 44px; }
.site-footer h3 { color: var(--gold); font-weight: 500; font-size: 1rem; margin-bottom: 16px; }
.brand-footer .wm-a { color: #fff; }
.brand-footer { margin-bottom: 16px; }
.site-footer p { margin-top: 14px; }
.links, .contact-list { list-style: none; padding: 0; margin: 0; }
.links li, .contact-list li { margin-bottom: 9px; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.social { list-style: none; padding: 0; margin: 18px 0 0; display: flex; gap: 10px; }
.social a { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: rgba(255, 255, 255, .08); }
.social a:hover { background: var(--gold); color: var(--navy-ink); }
.social .icon { width: 18px; height: 18px; }
.footer-bottom { background: var(--navy-ink); border-top: 0; padding: 18px 0; font-size: .85rem; }

/* ---- Home: matches sterlingcredit.co.ke ---- */
.site-header { box-shadow: 0 1px 6px rgba(0, 0, 0, .08); border-bottom: 0; }
.logo-img { height: 40px; }
.main-nav a, .sub-toggle { text-transform: none; font-weight: 500; font-size: .95rem; letter-spacing: 0; color: #2E363A; }

.hero-slider { position: relative; height: 700px; overflow: hidden; background: #fff; }
.slide { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0; visibility: hidden; transition: opacity .8s, visibility .8s; }
.slide.is-active { opacity: 1; visibility: visible; }
.slide::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0, 0, 0, .45) 0%, rgba(0, 0, 0, .15) 45%, rgba(0, 0, 0, 0) 70%); }
.slide-inner { position: relative; height: 100%; display: flex; align-items: center; }
.slide-copy { max-width: 520px; }
.slide-copy h1 { font-size: clamp(2.4rem, 5vw, 3.6rem); color: #fff; margin-bottom: .2em; }
.slide-copy p { font-size: 1.2rem; color: #fff; margin-bottom: 1.6em; }
.slide-copy .btn { border-radius: 0; font-size: .9rem; padding: 1em 1.6em; font-weight: 700; }
.slide-arrow { position: absolute; top: 50%; transform: translateY(-50%); width: 46px; height: 46px; border-radius: 50%; border: 0; background: rgba(255, 255, 255, .85); color: var(--navy); cursor: pointer; display: grid; place-items: center; box-shadow: var(--shadow); z-index: 2; }
.slide-arrow:hover { background: var(--navy); color: #fff; }
.slide-arrow svg { width: 24px; height: 24px; fill: currentColor; }
.slide-arrow.prev { left: 20px; }
.slide-arrow.next { right: 20px; }
.slide-dots { position: absolute; left: 0; right: 0; bottom: 22px; display: flex; justify-content: center; gap: 10px; z-index: 2; }
.slide-dots button { width: 12px; height: 12px; border-radius: 50%; border: 2px solid #fff; background: transparent; padding: 0; cursor: pointer; }
.slide-dots button.is-active { background: #fff; }

.loan-cards { padding: 70px 0 80px; }
.loan-cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.loan-card { position: relative; background: #f7f7f7; display: flex; flex-direction: column; }
.lc-img { display: block; aspect-ratio: 3 / 2; overflow: hidden; background: #fff; }
.lc-img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .4s; }
.loan-card:hover .lc-img img { transform: scale(1.04); }
.lc-plus { top: auto; position: relative; align-self: center; width: 56px; height: 56px; margin: -28px 0 0; border-radius: 50%; background: var(--navy); box-shadow: 0 0 0 5px #fff; z-index: 1; }
.lc-plus::before, .lc-plus::after { content: ""; position: absolute; left: 50%; top: 50%; background: #fff; transform: translate(-50%, -50%); }
.lc-plus::before { width: 20px; height: 2px; }
.lc-plus::after { width: 2px; height: 20px; }
.lc-body { padding: 8px 28px 32px; }
.lc-body h3 { font-size: 1.15rem; color: #1b1b1b; margin: 22px 0 .6em; }
.lc-body p { font-size: .9rem; color: #555; margin-bottom: 1.2em; }
.lc-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: .85rem; color: var(--navy); text-decoration: none; }
.lc-link .icon { width: 14px; height: 14px; }
.lc-link:hover { color: var(--green-dark); }

.impact { background: linear-gradient(90deg, #fff6e2, #f1f4fb 60%, #fff); }
.impact-inner { display: grid; grid-template-columns: 1fr 1.4fr; gap: 20px; align-items: end; min-height: 380px; }
.impact-photo { align-self: end; }
.impact-photo img { display: block; max-height: 420px; width: auto; margin: 0 auto; }
.impact-stats { align-self: center; display: grid; grid-template-columns: 1fr 1fr; gap: 50px 40px; padding: 50px 0; }
.istat b { display: block; font-size: 1.05rem; font-weight: 500; color: var(--heading); margin: 12px 0 2px; }
.istat small { color: #777; font-size: .85rem; }
.istat-icon { display: inline-block; color: var(--gold); }
.istat-icon .icon { width: 40px; height: 40px; }

.news { padding: 70px 0 60px; }
.news-title { text-align: center; font-size: 1.9rem; font-weight: 600; margin-bottom: 1.6em; }
.news-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px 60px; }
.news-item { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.ni-img img { width: 100%; display: block; }
.ni-body h3 { font-size: 1rem; font-weight: 600; line-height: 1.35; margin-bottom: .6em; }
.ni-body h3 a { color: #111; text-decoration: none; }
.ni-body h3 a:hover { color: var(--navy-2); }
.ni-body p { font-size: .82rem; color: #444; margin-bottom: .8em; }
.ni-more { display: inline-flex; align-items: center; gap: 6px; color: var(--green); font-size: .8rem; font-weight: 600; text-decoration: none; }
.ni-more .icon { width: 13px; height: 13px; }
.news-pages { display: flex; gap: 14px; margin-top: 40px; font-size: .85rem; }
.news-pages a, .news-pages span { color: #222; text-decoration: none; }
.news-pages span { font-weight: 600; }

.site-footer { padding-top: 56px; }
.footer-grid { grid-template-columns: 1.6fr 1fr 1fr; gap: 40px 80px; padding-bottom: 20px; }
.site-footer .logo-img { height: 70px; }
.footer-about p { max-width: 360px; font-size: .88rem; }
.footer-social-row { padding-bottom: 28px; }
.footer-social-row .social { margin: 0; }
.site-footer .links a { font-size: .85rem; }
.site-footer .links li::before { content: "▸ "; color: #fff; font-size: .7rem; margin-right: 6px; }
.footer-contacts { display: flex; flex-wrap: wrap; gap: 20px 50px; justify-content: center; padding-block: 36px 40px; font-size: .85rem; }
.footer-contacts > * { display: inline-flex; align-items: center; gap: 12px; color: #fff; }
.fc-icon { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--gold); color: var(--navy-ink); }
.fc-icon .icon { width: 18px; height: 18px; }
.footer-bottom { background: var(--navy); border-top: 1px solid rgba(255, 255, 255, .1); text-align: center; }

@media (max-width: 900px) {
  .hero-slider { height: 520px; }
  .slide::before { background: rgba(0, 0, 0, .35); }
  .loan-cards-grid, .news-grid { grid-template-columns: 1fr; }
  .impact-inner { grid-template-columns: 1fr; }
  .impact-photo img { max-height: 300px; }
  .impact-stats { padding-top: 10px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .news-item, .impact-stats { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .slide-arrow { display: none; }
}

/* Home header floats over the hero, as on the live site */
.is-home .site-header { position: absolute; left: 0; right: 0; top: 0; background: transparent; box-shadow: none; border-bottom: 1px solid rgba(255, 255, 255, .25); }
.is-home .header-inner { min-height: 86px; }
.is-home .main-nav a, .is-home .sub-toggle { color: #fff; text-transform: uppercase; font-weight: 600; font-size: .82rem; letter-spacing: .01em; }
.is-home .main-nav a:hover, .is-home .sub-toggle:hover { color: var(--gold); }
.is-home .nav-toggle span { background: #fff; }
@media (max-width: 920px) { .is-home .main-nav a, .is-home .sub-toggle { color: var(--navy); } }

/* Inner pages: header + title bar as on the live site */
.main-nav a, .sub-toggle { text-transform: uppercase; font-weight: 600; font-size: .82rem; letter-spacing: .01em; }
.main-nav a:hover, .sub-toggle:hover, .main-nav a.active, .active-parent > .sub-toggle { color: #F5B800; }
.sub a { text-transform: none; font-size: .9rem; }
.page-hero { background: #f7f7f7; color: var(--navy); padding: 26px 0; }
.page-hero h1 { color: var(--heading); font-weight: 600; }
.crumbs a { color: var(--navy); }
.crumbs a:hover { color: var(--green-dark); }
.crumbs span { color: var(--navy); }

/* About */
.about-intro { background: var(--navy); color: #fff; margin-top: 50px; padding: 120px 0 90px; }
.about-intro-grid { display: grid; grid-template-columns: 420px 1fr; gap: 60px; align-items: end; }
.about-photo { position: relative; height: 400px; background: #f6f6f6; }
.about-photo img { position: absolute; bottom: 0; left: 50%; transform: translateX(-50%); height: 560px; width: auto; max-width: none; }
.about-copy { align-self: center; }
.about-kicker { color: #fff; font-size: 1.15rem; font-weight: 600; margin-bottom: .3em; }
.about-title { color: #fff; font-size: clamp(1.6rem, 3vw, 2.1rem); font-weight: 600; margin-bottom: 1em; }
.about-copy p { color: #fff; font-size: .95rem; }
.mission-band { background: #f7f7f7; padding: 36px 0 44px; }
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.mv { display: flex; gap: 22px; align-items: flex-start; }
@media (max-width: 700px) { .mv-grid { grid-template-columns: 1fr; } }
.diamond { flex: none; width: 52px; height: 52px; margin: 8px 12px 0 10px; background: var(--navy); transform: rotate(45deg); display: grid; place-items: center; border-radius: 6px; }
.diamond .icon { transform: rotate(-45deg); color: #fff; width: 24px; height: 24px; }
.mv h3 { font-size: 1.15rem; font-weight: 600; color: #1b1b1b; }
.mv p { font-size: .9rem; color: #555; margin: 0; }
.about-impact { padding: 60px 0 80px; }
.about-impact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 50px; align-items: center; }
.ai-intro p { color: var(--muted); }
.ai-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.ai-card { background: var(--navy); color: #fff; border-radius: 14px; padding: 44px 26px; text-align: center; box-shadow: var(--shadow); }
.ai-card:nth-child(even) { margin-top: 50px; margin-bottom: -50px; }
.ai-card h3 { color: #fff; font-size: 1.3rem; font-weight: 600; line-height: 1.15; }
.ai-card p { font-size: .9rem; margin: 0; color: #fff; }
@media (max-width: 900px) {
  .about-intro-grid, .about-impact-grid { grid-template-columns: 1fr; }
  .about-photo { max-width: 420px; }
  .about-impact { padding-bottom: 130px; }
}
@media (max-width: 640px) { .ai-cards { grid-template-columns: 1fr; } .ai-card:nth-child(even) { margin: 0; } .about-impact { padding-bottom: 60px; } }

/* Header sizing to match live */
.logo-img { height: 74px; }
.header-inner { min-height: 100px; }
.main-nav a, .sub-toggle { font-size: .88rem; padding: 10px 22px; }
.is-home .main-nav a, .is-home .sub-toggle { font-size: .88rem; }
.page-hero { padding: 0; min-height: 85px; display: flex; align-items: center; }
.page-hero .container { width: 100%; }
.page-hero h1 { font-size: 2rem; }
@media (max-width: 920px) { .logo-img { height: 48px; } .header-inner { min-height: 76px; } .main-nav a, .sub-toggle { padding: 13px 8px; } }

/* Dark footer on inner pages, as on the live site */
.footer-dark { background: #2E363A; padding-top: 0; }
.footer-contacts-top { justify-content: flex-start; padding-block: 22px 24px; border-bottom: 1px solid rgba(255, 255, 255, .08); max-width: 1200px; }
.footer-dark .footer-grid { grid-template-columns: 1.3fr 1fr 1fr; gap: 40px; padding-block: 40px 50px; align-items: start; }
.footer-dark ul.links { padding-top: 6px; }
.footer-dark .links li { margin-bottom: 14px; }
.footer-dark .footer-bottom { background: transparent; border-top: 1px solid rgba(255, 255, 255, .08); padding: 22px 0; }
@media (max-width: 900px) { .footer-dark .footer-grid { grid-template-columns: 1fr 1fr; } .footer-dark .footer-about { grid-column: 1 / -1; } }
@media (max-width: 640px) { .footer-dark .footer-grid { grid-template-columns: 1fr; } }

/* Services dropdown, same colours as the live site */
.sub { width: 250px; min-width: 250px; padding: 0; background: #1d2738; border: 0; border-radius: 0; box-shadow: none; }
.sub li { border-top: 1px solid #272b6a; }
.sub li:first-child { border-top: 0; }
.main-nav .sub a, .is-home .main-nav .sub a { display: block; color: #fff; text-transform: none; font-weight: 300; font-size: .88rem; line-height: 40px; padding: 0 0 0 15px; border-radius: 0; }
.main-nav .sub a:hover, .is-home .main-nav .sub a:hover { background: #ffc829; color: #fff; }
.main-nav .sub a.active { color: #ffc829; }
.main-nav .sub a.active:hover { color: #fff; }
@media (max-width: 920px) {
  .sub { width: auto; min-width: 0; padding: 0; background: #1d2738; }
  .main-nav .sub a, .is-home .main-nav .sub a { padding: 0 20px; border-bottom: 0; width: auto; justify-content: flex-start; }
}

/* Service pages: same layout as the live site */
.svc-text { padding: 50px 0 40px; }
.svc-text-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 60px; align-items: start; }
.svc-text-grid.has-image .svc-top-img { grid-row: 1 / span 2; }
.svc-top-img img { width: 100%; height: 100%; max-height: 340px; object-fit: cover; object-position: top; display: block; }
.svc-block h3 { font-size: 1.1rem; font-weight: 600; color: #111; margin-bottom: .5em; }
.svc-block p { font-size: .82rem; color: #666; line-height: 1.8; margin: 0 0 .6em; }
.svc-band { background: linear-gradient(rgba(255, 255, 255, .85), rgba(255, 255, 255, .85)), url('../img/bg-parallax1-home2-2.jpg') center / cover; }
.svc-band-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 40px; align-items: end; min-height: 440px; }
.svc-band-img { align-self: end; }
.svc-band-img img { display: block; max-height: 460px; max-width: 100%; width: auto; margin: 0 auto; }
.svc-features { align-self: center; display: grid; grid-template-columns: 1fr 1fr; gap: 40px 36px; padding: 50px 0; }
.svc-feature h4 { font-size: 1rem; font-weight: 500; color: var(--heading); margin: 12px 0 4px; }
.svc-feature p { font-size: .8rem; color: #777; margin: 0; }
.svc-apply { padding: 40px 0 80px; }
.svc-apply h2 { text-align: center; font-size: 2rem; font-weight: 600; margin-bottom: 1.2em; }
.apply-boxes { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; max-width: 920px; margin: 0 auto; }
.apply-box { display: block; border: 3px solid var(--navy); background: #fff; padding: 28px 24px; text-decoration: none; color: var(--heading); }
.apply-box h3 { font-size: 1rem; font-weight: 600; margin-bottom: .8em; }
.apply-box span { display: inline-flex; align-items: center; gap: 8px; font-size: .75rem; font-weight: 700; color: var(--navy); }
.apply-box .icon { width: 13px; height: 13px; }
.apply-box:hover { background: var(--navy); color: #fff; }
.apply-box:hover h3, .apply-box:hover span { color: #fff; }
.live-form .grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.live-form .form-section legend { display: none; }
.live-form .form-section { margin-bottom: 18px; }
.live-form .field > label { font-size: .72rem; font-weight: 700; color: #222; }
.live-form input[type=text], .live-form input[type=email], .live-form input[type=tel], .live-form input[type=number], .live-form input[type=password], .live-form select { border-radius: 0; border: 1px solid #d5d5d5; background: #fff; }
.live-form .file-drop { border-radius: 0; border-style: solid; border-color: #d5d5d5; padding: 0; background: #fff; }
.live-form .file-btn { border-radius: 0; flex: 1; text-align: center; padding: 14px; font-weight: 400; }
.live-form .btn { border-radius: 0; font-size: .8rem; padding: .8em 1.8em; }
@media (max-width: 900px) {
  .svc-text-grid, .svc-band-grid, .apply-boxes { grid-template-columns: 1fr; }
  .svc-text-grid.has-image .svc-top-img { grid-row: auto; }
  .live-form .grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) { .svc-features, .live-form .grid { grid-template-columns: 1fr; } }

/* Blog */
.blog-wrap { padding: 60px 0 80px; }
.blog-grid { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 60px; align-items: start; }
.blog-post { padding-bottom: 40px; margin-bottom: 40px; border-bottom: 1px solid var(--line); }
.blog-post.single { border: 0; }
.blog-post:last-child { border-bottom: 0; }
.bp-title { font-size: 1.55rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0; line-height: 1.15; margin-bottom: .5em; }
.bp-title a { color: #1b1b1b; text-decoration: none; }
.bp-title a:hover { color: var(--navy); }
.bp-meta { list-style: none; padding: 0; margin: 0 0 26px; display: flex; flex-wrap: wrap; gap: 6px 0; font-size: .85rem; color: #888; }
.bp-meta li { display: inline-flex; align-items: center; gap: 8px; padding-right: 14px; margin-right: 14px; border-right: 1px solid var(--line); }
.bp-meta li:last-child { border-right: 0; }
.bp-meta svg { width: 15px; height: 15px; fill: #888; }
.bp-img { display: block; margin-bottom: 36px; }
.bp-img img, img.bp-img { width: 100%; height: auto; display: block; margin-bottom: 36px; }
a.bp-img img { margin-bottom: 0; }
.bp-body { font-size: .9rem; color: #555; line-height: 1.8; }
.bp-body p { margin-bottom: 1.6em; }
.bp-body ul { margin: 0 0 1.6em; padding-left: 1.4em; }
.blog-side h3 { font-size: 1.35rem; font-weight: 600; text-transform: uppercase; color: var(--navy); padding-bottom: 14px; margin: 6px 0 30px; position: relative; }
.blog-side h3::after { content: ""; position: absolute; left: 0; bottom: 0; width: 36px; height: 3px; background: var(--navy); }
.blog-side ul { list-style: none; padding: 0; margin: 0; }
.blog-side li { padding-bottom: 16px; margin-bottom: 16px; border-bottom: 1px solid var(--line); }
.blog-side a { display: block; font-size: .85rem; font-weight: 600; color: #111; text-decoration: none; line-height: 1.6; }
.blog-side a:hover { color: var(--navy); }
.blog-side time { display: block; font-size: .8rem; color: #aaa; margin-top: 6px; }
@media (max-width: 900px) { .blog-grid { grid-template-columns: 1fr; gap: 30px; } }

/* Backgrounds matched to the live site */
.page-hero { background: #f7f7f7 url('../img/page-title.jpg') repeat; }
.svc-band { background: linear-gradient(rgba(255, 255, 255, .93), rgba(255, 255, 255, .93)), url('../img/bg-parallax1-home2-2.jpg') center / cover; }
.impact { background: linear-gradient(rgba(255, 255, 255, .93), rgba(255, 255, 255, .93)), url('../img/bg-parallax1-home2-2.jpg') center / cover; }
.about-impact { background: linear-gradient(rgba(255, 255, 255, .93), rgba(255, 255, 255, .93)), url('../img/african-american-inspects-car-car-dealership-good-bargain-2.webp') center / cover; padding: 70px 0 130px; }
.about-impact .ai-intro h2, .about-impact .ai-intro p { color: var(--heading); }
.form-card input[type=text], .form-card input[type=email], .form-card input[type=tel], .form-card input[type=date], .form-card input[type=number], .form-card input[type=password], .form-card select, .form-card textarea { background-color: #ededed; border: 1px solid transparent; border-radius: 0; }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus { background-color: #fff; border-color: var(--navy-2); }
.form-card .form-section { background: rgba(248, 248, 248, .5); border-radius: 4px; padding: 20px 20px 30px 25px; }
.live-form input[type=text], .live-form input[type=email], .live-form input[type=tel], .live-form input[type=number], .live-form input[type=password], .live-form select { background-color: #fff; border: 1px solid #e6e6e6; border-radius: 2px; }
.live-form .form-section { background: none; padding: 0; }

/* Nav matched to live computed styles */
.site-header { box-shadow: 0 1px 2px rgba(0, 0, 0, .1); }
.logo-img { height: 70px; }
.main-nav > ul { gap: 0; }
.main-nav a, .sub-toggle, .is-home .main-nav a, .is-home .sub-toggle { font-size: 14px; letter-spacing: 0; padding: 0 20px; line-height: 100px; color: #424242; border-radius: 0; }
.is-home .main-nav a, .is-home .sub-toggle { color: #fff; }
.main-nav > ul > li:last-child > a { padding-right: 0; }
.main-nav a:hover, .sub-toggle:hover, .main-nav a.active, .active-parent > .sub-toggle { color: #ffc829; }
.is-home .main-nav a:hover, .is-home .sub-toggle:hover { color: #ffc829; }
.sub { top: 100%; }
.main-nav .sub a { line-height: 40px; padding: 0 0 0 15px; font-size: 14px; }
@media (max-width: 920px) {
  .main-nav a, .sub-toggle, .is-home .main-nav a, .is-home .sub-toggle { line-height: 1.4; padding: 13px 8px; color: #424242; }
  .main-nav > ul > li:last-child > a { padding-right: 8px; }
  .main-nav .sub a { line-height: 40px; padding: 0 20px; }
}

.sub-toggle { position: relative; }
.sub-toggle svg { position: absolute; right: 3px; top: 50%; transform: translateY(-50%); width: 14px; height: 14px; }
@media (max-width: 920px) { .sub-toggle { justify-content: flex-start; } .sub-toggle svg { right: 8px; } .has-sub.open .sub-toggle svg { transform: translateY(-50%) rotate(180deg); } }

/* Wide application forms (new + repeat), as on the live site */
.app-wide-page { padding: 60px 0 80px; }
.app-wide .form-section { margin: 0 0 30px; padding: 0; background: none; border-radius: 0; }
.app-wide .form-section legend { padding: 0; margin: 0 0 8px; border: 0; font-size: .78rem; font-weight: 700; color: #424242; }
.app-wide .form-section legend::before { display: none; }
.app-wide .grid.g12 { grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 20px 30px; background: #f8f8f8; border-left: 4px solid #ffc829; border-radius: 4px; padding: 20px 25px 30px 25px; }
.app-wide .field > label, .app-wide .lbl { font-size: .72rem; font-weight: 700; color: #424242; margin-bottom: 8px; display: block; }
.app-wide .check { font-size: .85rem; }
.app-wide input[type=text], .app-wide input[type=email], .app-wide input[type=tel], .app-wide input[type=date], .app-wide input[type=number], .app-wide input[type=password], .app-wide select { background-color: #ededed; border: 1px solid transparent; border-radius: 0; min-height: 44px; height: 44px; padding: 0 15px; }
.app-wide select { background-color: #ededed; }
.app-wide input:focus, .app-wide select:focus { background-color: #e6e6e6; border-color: var(--navy-2); box-shadow: none; }
.app-wide .file-drop { display: flex; flex-direction: column; align-items: flex-start; gap: 8px; border: 0; background: none; padding: 0; min-height: 0; }
.app-wide .file-btn { background: var(--navy); border-radius: 3px; padding: 12px 22px; font-size: .78rem; font-weight: 400; }
.app-wide .file-name { font-size: .78rem; color: #666; }
.app-wide .form-actions .btn { border-radius: 3px; padding: .75em 1.9em; font-size: .85rem; font-weight: 500; }
@media (max-width: 900px) { .app-wide .grid.g12 { grid-template-columns: 1fr 1fr; } .app-wide .grid.g12 .field { grid-column: span 1 !important; } .app-wide .grid.g12 .field:nth-child(odd):last-child { grid-column: 1 / -1 !important; } }
@media (max-width: 560px) { .app-wide .grid.g12 { grid-template-columns: 1fr; } .app-wide .grid.g12 .field { grid-column: 1 / -1 !important; } }

/* App-wide: labels that wrap controls */
.app-wide .field > label.file-drop { display: flex; flex-direction: column; align-items: flex-start; gap: 8px; margin: 0; font-weight: 400; }
.app-wide .field > label.check { display: flex; font-weight: 400; font-size: .85rem; color: #424242; margin: 0; }
.app-wide .check input { width: 18px; height: 18px; margin-top: 4px; }

/* Live-style suffix and inline file rows */
.has-suffix { position: relative; }
.input-suffix { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); font-size: .85rem; font-weight: 600; color: #111; pointer-events: none; }
.has-suffix input { padding-right: 56px; }
.app-wide .field > label.file-drop { flex-direction: row; align-items: center; gap: 10px; }
.app-wide .field[style*="span 4"] > label.file-drop { flex-direction: column; align-items: flex-start; }
.app-wide .file-btn { font-size: .85rem; }

/* Wide forms: exact live spacing */
.app-wide .grid.g12 { margin: 0 15px; padding: 20px 20px 30px 21px; gap: 30px; }
.app-wide .form-section-bare .grid.g12 { background: none; border: 0; padding: 0; }
.app-wide .form-section-bare { margin-bottom: 30px; }
.app-wide .form-actions { margin: 0 15px; }
.app-wide .form-actions .btn { width: 100px; height: 44px; padding: 0; }
@media (max-width: 900px) { .app-wide .grid.g12 { margin: 0; } .app-wide .form-actions { margin: 0; } }

/* Wide forms: vertical rhythm */
.app-wide .grid.g12 { row-gap: 31px; }
.app-wide .field > label, .app-wide .lbl { margin-bottom: 0; line-height: 20px; }
.app-wide .form-section legend { line-height: 20px; margin-bottom: 0; }

/* Upload rows: live height */
.app-wide .field:has(input[name=doc_photo]), .app-wide .field:has(input[name=doc_id_front]), .app-wide .field:has(input[name=doc_id_back]) { min-height: 121px; }
.app-wide .field[style*="span 4"]:has(.file-drop) { min-height: 98px; }
.app-wide .field[style*="span 4"]:has(input[name=doc_photo]), .app-wide .field[style*="span 4"]:has(input[name=doc_id_front]), .app-wide .field[style*="span 4"]:has(input[name=doc_id_back]) { min-height: 121px; }

/* Contact info rows */
.contact-cards { gap: 20px; }
.contact-cards li { align-items: flex-start; gap: 16px; }
.contact-cards .card-icon { flex: none; width: 44px; height: 44px; }
.contact-cards li > div { display: flex; flex-direction: column; gap: 2px; min-height: 44px; justify-content: center; }
.contact-cards b { line-height: 1.3; }
.contact-cards a, .contact-cards span { line-height: 1.5; }
.contact-cards .hours { display: flex; flex-direction: column; }

/* Terms and Conditions */
.terms-page .terms-title { font-size: 1.7rem; color: var(--navy); margin-bottom: .8em; }
.terms-page h2:not(.terms-title) { font-size: 1.2rem; font-weight: 500; letter-spacing: .04em; color: var(--navy); margin: 1.8em 0 .6em; }
.terms-page .cl { display: flex; gap: 14px; margin: 0 0 .9em; font-size: .95rem; line-height: 1.7; color: #444; }
.terms-page .cl-num { flex: 0 0 3.6em; color: #222; }
.terms-page .cl-sub { margin-left: 3.6em; }
.terms-page .cl-plain .cl-text { margin-left: 0; }
.terms-page .terms-end { margin-top: 2em; font-size: .95rem; }

/* Responsive */
@media (max-width: 1080px) {
  .cards-4, .spec-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-inner, .split, .form-layout { grid-template-columns: 1fr; }
  .hero { padding: 56px 0 64px; }
  .hero-inner { gap: 36px; }
  .form-aside { position: static; }
  .cards-3 { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 28px 16px; }
  .section { padding: 60px 0; }
}
@media (max-width: 640px) {
  .cards-2, .cards-4, .spec-grid, .features, .grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-card { padding: 22px 18px; }
  .topbar-contact a:last-child { display: none; }
  .container { padding: 0 16px; }
  .hero-actions .btn { flex: 1 1 100%; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}