/* =========================================
   SMART LOAN GUIDE — Complete Stylesheet
   ========================================= */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Inter:wght@400;500;600;700;800&display=swap');

/* --- TOKENS --- */
:root {
  --navy:   #0F1E2E;
  --navy2:  #162840;
  --blue:   #1A5C96;
  --blue2:  #1e6db0;
  --green:  #25785E;
  --green2: #2d9070;
  --gold:   #B8922A;
  --gold2:  #d4a83a;
  --cream:  #F5F1E8;
  --cream2: #EDE8DC;
  --ink:    #1C2B3A;
  --muted:  #5A6A7A;
  --muted2: #8496a6;
  --line:   #DDE3EB;
  --white:  #FFFFFF;
  --shadow-sm: 0 2px 8px rgba(15,30,46,.07);
  --shadow-md: 0 8px 30px rgba(15,30,46,.10);
  --shadow-lg: 0 24px 60px rgba(15,30,46,.14);
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 28px;
  --radius-xl: 40px;
}

/* --- RESET --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue2); }

/* --- TYPOGRAPHY --- */
h1, h2, h3, h4 {
  font-family: 'DM Serif Display', Georgia, serif;
  color: var(--navy);
  line-height: 1.12;
  letter-spacing: -.02em;
}
h1 { font-size: clamp(36px, 5.5vw, 62px); }
h2 { font-size: clamp(28px, 4vw, 44px); margin-bottom: 16px; }
h3 { font-size: clamp(20px, 2.5vw, 26px); margin-bottom: 10px; }
h4 { font-size: 18px; margin-bottom: 8px; }
p { color: var(--ink); line-height: 1.7; }
.lead { font-size: clamp(17px, 2vw, 20px); color: rgba(255,255,255,.88); max-width: 580px; line-height: 1.6; }
.eyebrow {
  font-family: 'Inter', sans-serif;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 14px;
}
.hero .eyebrow { color: #8FCFBC; }

/* --- LAYOUT --- */
.container { width: min(1140px, 92%); margin: 0 auto; }
.narrow    { max-width: 820px; }
.section   { padding: 88px 0; }
.section-sm{ padding: 52px 0; }

/* --- BUTTONS --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 15px;
  border: none;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  white-space: nowrap;
  text-decoration: none;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: var(--blue);
  color: var(--white) !important;
  box-shadow: 0 10px 30px rgba(26,92,150,.28);
}
.btn-primary:hover { background: var(--blue2); box-shadow: 0 14px 38px rgba(26,92,150,.36); }
.btn-ghost {
  background: transparent;
  color: var(--white) !important;
  border: 1.5px solid rgba(255,255,255,.5);
}
.btn-ghost:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.8); }
.btn-white {
  background: var(--white);
  color: var(--navy) !important;
  box-shadow: 0 8px 24px rgba(15,30,46,.14);
}
.btn-white:hover { box-shadow: 0 12px 32px rgba(15,30,46,.2); }
.btn-outline {
  background: transparent;
  color: var(--blue) !important;
  border: 1.5px solid var(--blue);
}
.btn-outline:hover { background: var(--blue); color: var(--white) !important; }
.btn-sm { padding: 9px 18px; font-size: 13.5px; }
.btn-full { width: 100%; }

/* =========================================
   HEADER / NAV
   ========================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 11px;
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -.04em;
  white-space: nowrap;
  text-decoration: none;
}
.logo svg { width: 58px; height: 58px; fill: var(--navy); flex-shrink: 0; }
.logo .logo-mark { fill: none; stroke: var(--gold); stroke-width: 4; stroke-linecap: round; }
.logo-text em { font-style: normal; color: var(--green); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}
.nav-links a {
  color: var(--ink);
  font-weight: 600;
  font-size: 14.5px;
  padding: 7px 12px;
  border-radius: 8px;
  transition: background .15s, color .15s;
  text-decoration: none;
}
.nav-links a:hover { background: var(--cream); color: var(--blue); }
.nav-links a.active { color: var(--blue); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform .25s, opacity .25s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-nav {
  display: none;
  flex-direction: column;
  padding: 16px 0 20px;
  gap: 2px;
  border-top: 1px solid var(--line);
}
.mobile-nav a {
  color: var(--ink);
  font-weight: 600;
  font-size: 15px;
  padding: 11px 4px;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn-primary { margin-top: 10px; text-align: center; justify-content: center; }
.mobile-nav.open { display: flex; }

/* =========================================
   HERO
   ========================================= */
.hero {
  background: linear-gradient(125deg, rgba(10,22,36,.96) 0%, rgba(22,40,64,.90) 55%, rgba(26,92,150,.75) 100%),
              url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1800&q=80');
  background-size: cover;
  background-position: center 40%;
  padding: 96px 0 88px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 52px;
  align-items: center;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 34px; }
.trust-row {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.18);
}
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: rgba(255,255,255,.78); font-weight: 500; }
.trust-item svg { width: 18px; height: 18px; flex-shrink: 0; }

/* Hero card — calculator */
.hero-card {
  background: rgba(255,255,255,.97);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 32px 80px rgba(0,0,0,.28);
  color: var(--ink);
}
.hero-card h3 { font-size: 20px; margin-bottom: 20px; color: var(--navy); }
.calc-row { display: flex; flex-direction: column; gap: 14px; }
.calc-field label { display: block; font-size: 12.5px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 6px; }
.calc-field input, .calc-field select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font: 600 15px 'Inter', sans-serif;
  color: var(--ink);
  background: white;
  transition: border-color .15s;
}
.calc-field input:focus, .calc-field select:focus { outline: none; border-color: var(--blue); }
.calc-result {
  background: var(--cream);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin-top: 4px;
}
.calc-result-row { display: flex; justify-content: space-between; align-items: center; padding: 6px 0; }
.calc-result-row:not(:last-child) { border-bottom: 1px solid var(--cream2); }
.calc-result-label { font-size: 13px; color: var(--muted); font-weight: 500; }
.calc-result-value { font-size: 14px; font-weight: 700; color: var(--navy); }
.calc-result-value.highlight { color: var(--blue); font-size: 18px; }
.calc-disclaimer { font-size: 11.5px; color: var(--muted2); margin-top: 10px; line-height: 1.5; }

/* =========================================
   SECTIONS
   ========================================= */
.section-cream { background: var(--cream); }
.section-navy  { background: var(--navy); color: var(--white); }
.section-navy h2 { color: var(--white); }

/* Two col split */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.two-col.flip { }
.two-col-text h2 { margin-bottom: 16px; }
.two-col-text p  { color: var(--muted); margin-bottom: 16px; }

/* Cards */
.cards-grid { display: grid; gap: 22px; margin-top: 40px; }
.cards-grid.cols-3 { grid-template-columns: repeat(3,1fr); }
.cards-grid.cols-2 { grid-template-columns: repeat(2,1fr); }
.cards-grid.cols-4 { grid-template-columns: repeat(4,1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-icon {
  width: 46px; height: 46px;
  border-radius: var(--radius-sm);
  background: var(--cream);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  flex-shrink: 0;
}
.card-icon svg { width: 22px; height: 22px; }
.card h3 { margin-bottom: 10px; font-size: 20px; }
.card p  { color: var(--muted); font-size: 15px; line-height: 1.65; margin: 0; }

/* Accent card variants */
.card.green-top  { border-top: 4px solid var(--green); }
.card.gold-top   { border-top: 4px solid var(--gold); }
.card.blue-top   { border-top: 4px solid var(--blue); }

/* Stats strip */
.stats-strip { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: var(--line); border-radius: var(--radius-md); overflow: hidden; }
.stat-item { background: var(--white); padding: 28px 24px; text-align: center; }
.stat-number { font-family: 'DM Serif Display', serif; font-size: 42px; color: var(--navy); line-height: 1; margin-bottom: 6px; }
.stat-label  { font-size: 13px; color: var(--muted); font-weight: 500; }

/* Notice / info box */
.notice {
  background: #EEF6F2;
  border-left: 4px solid var(--green);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 24px 0;
}
.notice p { color: var(--ink); font-size: 14.5px; margin: 0; }
.notice strong { color: var(--green); }

.warning-box {
  background: #FDF6E8;
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 24px 0;
}
.warning-box p { color: var(--ink); font-size: 14.5px; margin: 0; }

/* Steps */
.steps-list { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 36px; }
.step-item { position: relative; }
.step-num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--green);
  color: white;
  font-weight: 800;
  font-size: 17px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-family: 'Inter', sans-serif;
}
.step-item h3 { font-size: 19px; margin-bottom: 8px; }
.step-item p  { color: var(--muted); font-size: 14.5px; }

/* CTA band */
.cta-band {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy2) 60%, #1A3A58 100%);
  padding: 64px 0;
  color: white;
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-inner h2 { color: white; margin-bottom: 8px; }
.cta-inner p  { color: rgba(255,255,255,.72); margin: 0; font-size: 16px; }
.cta-actions  { display: flex; gap: 14px; flex-wrap: wrap; flex-shrink: 0; }

/* =========================================
   CHECKLIST / DO-DONT
   ========================================= */
.do-dont-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 36px; }
.do-card, .dont-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.do-card   { border-top: 5px solid var(--green); }
.dont-card { border-top: 5px solid var(--gold); }
.do-card h3   { color: var(--green); margin-bottom: 18px; }
.dont-card h3 { color: var(--gold); margin-bottom: 18px; }
.check-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.check-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 15px;
  color: var(--ink);
  line-height: 1.5;
}
.check-list li::before {
  content: '';
  width: 20px; height: 20px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 1px;
  background-size: 12px 12px;
  background-repeat: no-repeat;
  background-position: center;
}
.do-card .check-list li::before {
  background-color: #D1EDDF;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2325785E' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
}
.dont-card .check-list li::before {
  background-color: #FDE9C0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B8922A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'/%3E%3Cline x1='6' y1='6' x2='18' y2='18'/%3E%3C/svg%3E");
}

/* =========================================
   FAQ ACCORDION
   ========================================= */
.faq-list { display: flex; flex-direction: column; gap: 12px; margin-top: 36px; }
.faq-item {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item.open { box-shadow: var(--shadow-md); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  cursor: pointer;
  font-family: 'DM Serif Display', serif;
  font-size: 18px;
  color: var(--navy);
  list-style: none;
  user-select: none;
}
.faq-question::-webkit-details-marker { display: none; }
.faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--cream);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background .2s, transform .3s;
}
.faq-icon svg { width: 14px; height: 14px; stroke: var(--blue); stroke-width: 2.5; transition: transform .3s; }
.faq-item.open .faq-icon { background: var(--blue); }
.faq-item.open .faq-icon svg { stroke: white; transform: rotate(180deg); }
.faq-answer { padding: 0 26px 22px; color: var(--muted); font-size: 15.5px; line-height: 1.7; display: none; }
.faq-item.open .faq-answer { display: block; }

/* =========================================
   CONTACT / FORM
   ========================================= */
.contact-layout { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 52px; align-items: start; }
.contact-info h1 { margin-bottom: 18px; }
.contact-info p  { color: var(--muted); margin-bottom: 24px; font-size: 16px; }
.contact-details {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
}
.contact-details h4 { margin-bottom: 12px; }
.contact-details p  { color: var(--muted); margin: 0; font-size: 14.5px; line-height: 1.7; }

.form-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 38px;
  box-shadow: var(--shadow-lg);
}
.form-title { font-size: 22px; margin-bottom: 6px; }
.form-subtitle { color: var(--muted); font-size: 14px; margin-bottom: 28px; }
.form-grid { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-field { display: flex; flex-direction: column; gap: 7px; }
.form-field label {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .07em;
}
.form-field input,
.form-field select,
.form-field textarea {
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font: 500 15px 'Inter', sans-serif;
  color: var(--ink);
  background: white;
  transition: border-color .15s, box-shadow .15s;
  width: 100%;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,92,150,.12);
}
.form-field textarea { resize: vertical; min-height: 90px; }
.consent-block {
  background: var(--cream);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.consent-block input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; accent-color: var(--blue); width: 16px; height: 16px; }
.consent-block .consent-text { font-size: 12.5px; color: var(--muted); line-height: 1.55; }
.consent-block .consent-text a { color: var(--blue); font-weight: 600; text-decoration: underline; }
.form-note { font-size: 12px; color: var(--muted2); text-align: center; line-height: 1.5; }

/* Form success */
.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.form-success .success-icon {
  width: 64px; height: 64px;
  background: #D1EDDF;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.form-success .success-icon svg { width: 32px; height: 32px; stroke: var(--green); stroke-width: 2.5; }
.form-success h3 { margin-bottom: 10px; }
.form-success p  { color: var(--muted); }

/* =========================================
   PAGE HERO (inner pages)
   ========================================= */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 70%, #1A3A58 100%);
  padding: 64px 0 56px;
  color: white;
}
.page-hero .eyebrow { color: #8FCFBC; }
.page-hero h1 { color: white; font-size: clamp(32px, 4.5vw, 52px); }
.page-hero p  { color: rgba(255,255,255,.78); font-size: 17px; max-width: 620px; margin-top: 14px; }

/* =========================================
   RESOURCE CARDS
   ========================================= */
.resource-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  gap: 20px;
  align-items: flex-start;
  transition: box-shadow .2s, transform .2s;
}
.resource-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.resource-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--cream);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.resource-icon svg { width: 24px; height: 24px; stroke: var(--blue); }
.resource-body h4 { margin-bottom: 6px; }
.resource-body p  { color: var(--muted); font-size: 14.5px; margin-bottom: 12px; }
.resource-body a  { font-size: 14px; font-weight: 700; color: var(--blue); display: inline-flex; align-items: center; gap: 5px; }
.resource-body a:hover { color: var(--green); }

/* =========================================
   LEGAL PAGES
   ========================================= */
.legal-content h2 { font-size: 26px; margin: 36px 0 12px; padding-top: 36px; border-top: 1px solid var(--line); }
.legal-content h2:first-of-type { border-top: none; padding-top: 0; margin-top: 24px; }
.legal-content p  { color: var(--muted); margin-bottom: 16px; }
.legal-content ul { padding-left: 20px; color: var(--muted); }
.legal-content ul li { margin-bottom: 8px; }
.legal-meta { font-size: 13px; color: var(--muted2); margin-bottom: 32px; }

/* =========================================
   MOBILE NOTIFICATIONS PAGE
   ========================================= */
.sms-benefits { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin: 28px 0; }
.sms-benefit {
  background: var(--cream);
  border-radius: var(--radius-md);
  padding: 22px;
  text-align: center;
}
.sms-benefit svg { width: 28px; height: 28px; stroke: var(--green); margin: 0 auto 10px; }
.sms-benefit p { font-size: 13.5px; color: var(--muted); margin: 0; }
.sms-benefit strong { display: block; font-size: 15px; color: var(--navy); margin-bottom: 4px; }

/* =========================================
   FOOTER
   ========================================= */
footer {
  background: #0A141F;
  color: #A8B8CA;
  padding: 56px 0 28px;
}
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 44px; }
.footer-brand .logo { color: white; margin-bottom: 14px; }
.footer-brand .logo .logo-text em { color: #77b99e; }
.footer-brand p { font-size: 13.5px; color: #7A8FA0; line-height: 1.7; max-width: 280px; }
.footer-col h5 { color: white; font-family: 'Inter', sans-serif; font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { color: #7A8FA0; font-size: 14px; transition: color .15s; }
.footer-col ul li a:hover { color: white; }
.footer-col p { color: #7A8FA0; font-size: 13.5px; line-height: 1.7; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: 13px; color: #5A6A7A; margin: 0; }
.footer-bottom a { color: #7A8FA0; font-size: 13px; }
.footer-bottom-links { display: flex; gap: 20px; }

/* =========================================
   ABOUT PAGE
   ========================================= */
.mission-band {
  background: var(--cream);
  border-radius: var(--radius-xl);
  padding: 48px 52px;
  margin: 48px 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.values-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 32px; }
.value-item { padding: 24px; border-radius: var(--radius-md); background: white; border: 1px solid var(--line); }
.value-item .v-icon { font-size: 28px; margin-bottom: 12px; }
.value-item h4 { margin-bottom: 6px; }
.value-item p  { font-size: 14px; color: var(--muted); margin: 0; }

/* =========================================
   UTILITIES
   ========================================= */
.text-center { text-align: center; }
.text-muted  { color: var(--muted); }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 960px) {
  .hero-grid       { grid-template-columns: 1fr; }
  .hero-card       { max-width: 520px; }
  .two-col         { grid-template-columns: 1fr; gap: 36px; }
  .cards-grid.cols-3 { grid-template-columns: repeat(2,1fr); }
  .cards-grid.cols-4 { grid-template-columns: repeat(2,1fr); }
  .steps-list      { grid-template-columns: 1fr; }
  .stats-strip     { grid-template-columns: repeat(2,1fr); }
  .contact-layout  { grid-template-columns: 1fr; }
  .footer-grid     { grid-template-columns: 1fr 1fr; }
  .do-dont-grid    { grid-template-columns: 1fr; }
  .mission-band    { grid-template-columns: 1fr; padding: 32px; }
  .values-grid     { grid-template-columns: 1fr 1fr; }
  .sms-benefits    { grid-template-columns: 1fr; }
  .cta-inner       { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 680px) {
  .nav-links       { display: none; }
  .hamburger       { display: flex; }
  .hero            { padding: 64px 0 72px; }
  .section         { padding: 60px 0; }
  .cards-grid.cols-3,
  .cards-grid.cols-2,
  .cards-grid.cols-4 { grid-template-columns: 1fr; }
  .stats-strip     { grid-template-columns: 1fr 1fr; }
  .form-row        { grid-template-columns: 1fr; }
  .footer-grid     { grid-template-columns: 1fr; }
  .footer-bottom   { flex-direction: column; align-items: flex-start; }
  .values-grid     { grid-template-columns: 1fr; }
  .form-card       { padding: 26px 20px; }
  .trust-row       { gap: 14px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0.01ms !important; }
}

/* =========================================
   LOAN TYPE TABS
   ========================================= */
.loan-tabs { display: flex; gap: 8px; margin-bottom: 32px; flex-wrap: wrap; }
.loan-tab {
  padding: 10px 22px;
  border-radius: 999px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  border: 1.5px solid var(--line);
  background: white;
  color: var(--muted);
  transition: all .18s;
}
.loan-tab.active { background: var(--navy); color: white; border-color: var(--navy); }
.loan-tab:hover:not(.active) { border-color: var(--navy); color: var(--navy); }
.loan-panel { display: none; }
.loan-panel.active { display: block; }
.loan-detail-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items: start; }
.loan-detail-grid .detail-text h2 { margin-bottom: 14px; }
.loan-detail-grid .detail-text p  { color: var(--muted); margin-bottom: 16px; }
.loan-stats-card {
  background: var(--navy);
  color: white;
  border-radius: var(--radius-lg);
  padding: 28px;
}
.loan-stats-card h4 { color: white; margin-bottom: 18px; font-size: 16px; }
.loan-stat-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
  font-size: 14px;
}
.loan-stat-row:last-child { border-bottom: none; }
.loan-stat-row .lsr-label { color: rgba(255,255,255,.65); }
.loan-stat-row .lsr-val   { color: white; font-weight: 700; }
.loan-risk-bar { margin-top: 18px; }
.loan-risk-label { font-size: 12px; color: rgba(255,255,255,.6); margin-bottom: 6px; }
.loan-risk-track { background: rgba(255,255,255,.15); border-radius: 99px; height: 8px; }
.loan-risk-fill  { border-radius: 99px; height: 8px; }
.risk-high   { background: #E05C5C; width: 88%; }
.risk-medium { background: #D4A83A; width: 55%; }
.risk-low    { background: #25785E; width: 28%; }
.loan-bullets { margin-top: 24px; display: flex; flex-direction: column; gap: 10px; }
.loan-bullet  { display: flex; gap: 10px; align-items: flex-start; font-size: 15px; color: var(--ink); }
.loan-bullet::before {
  content: '';
  width: 22px; height: 22px; flex-shrink: 0; margin-top: 1px;
  border-radius: 50%;
  background: var(--cream) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230F1E2E' stroke-width='2.5' stroke-linecap='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat;
}
@media (max-width: 768px) {
  .loan-detail-grid { grid-template-columns: 1fr; }
}