/* ==========================================================================
   Makhija & Company — Design System
   Brand: deep teal #004854 + green #3CA83C (sampled from the real logo)
   No frameworks, no jQuery. Vanilla CSS + custom properties.
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* brand */
  --teal-900: #00252c;
  --teal-800: #00323b;
  --teal-700: #004854;
  --teal-600: #045d6d;
  --teal-500: #0a7d92;
  --teal-300: #5fb8c9;
  --teal-100: #d8eef2;

  --green-700: #24802a;
  --green-600: #2f9433;
  --green-500: #3ca83c;
  --green-300: #86d386;
  --green-100: #e4f6e4;

  --gold: #d8a33c;

  /* neutrals */
  --ink: #0d1b1f;
  --body: #47585d;
  --muted: #74868b;
  --line: #e3eaec;
  --surface: #ffffff;
  --surface-2: #f5f8f9;
  --surface-3: #eef4f5;

  /* type */
  --font-sans: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* geometry */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;
  --r-xl: 32px;
  --shadow-sm: 0 1px 2px rgba(0, 45, 54, .06), 0 2px 8px rgba(0, 45, 54, .04);
  --shadow-md: 0 4px 12px rgba(0, 45, 54, .07), 0 12px 32px rgba(0, 45, 54, .07);
  --shadow-lg: 0 10px 24px rgba(0, 45, 54, .09), 0 30px 60px rgba(0, 45, 54, .12);

  --wrap: 1180px;
  --gutter: 24px;
  --nav-h: 76px;

  --ease-out: cubic-bezier(.16, 1, .3, 1);
  --ease-io: cubic-bezier(.65, 0, .35, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-h) + 16px);
}

body {
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--surface);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; color: inherit; }
ul, ol { list-style: none; padding: 0; }

h1, h2, h3, h4 {
  color: var(--ink);
  line-height: 1.12;
  letter-spacing: -.022em;
  font-weight: 800;
  text-wrap: balance;
}
h1 { font-size: clamp(2.3rem, 1.35rem + 4.2vw, 4.15rem); }
h2 { font-size: clamp(1.85rem, 1.25rem + 2.6vw, 2.9rem); }
h3 { font-size: clamp(1.15rem, 1rem + .6vw, 1.4rem); letter-spacing: -.015em; }
p { text-wrap: pretty; }

:focus-visible {
  outline: 3px solid var(--green-500);
  outline-offset: 3px;
  border-radius: 4px;
}

::selection { background: var(--green-500); color: #fff; }

/* ---------- Layout ---------- */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.section { padding-block: clamp(64px, 8vw, 116px); }
.section--tight { padding-block: clamp(48px, 5vw, 72px); }
.section--alt { background: var(--surface-2); }

.skip {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--teal-700); color: #fff; padding: 12px 20px; border-radius: 0 0 var(--r-sm) 0;
}
.skip:focus { left: 0; }

/* ---------- Section headings ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--green-600);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: ""; width: 22px; height: 2px; border-radius: 2px;
  background: linear-gradient(90deg, var(--green-500), var(--teal-500));
}
.section-head { max-width: 660px; margin-bottom: clamp(36px, 4vw, 56px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow::before { display: none; }
.section-head p { margin-top: 16px; font-size: 1.06rem; }
.lead { font-size: clamp(1.02rem, .96rem + .3vw, 1.16rem); color: var(--body); }

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--green-500);
  --btn-fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 28px;
  border: 0; border-radius: 999px;
  background: var(--btn-bg); color: var(--btn-fg);
  font-weight: 700; font-size: .97rem; letter-spacing: -.01em;
  cursor: pointer;
  position: relative; isolation: isolate; overflow: hidden;
  transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out), background-color .25s;
  box-shadow: 0 4px 14px rgba(60, 168, 60, .28);
}
.btn::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(120deg, transparent 20%, rgba(255, 255, 255, .32) 50%, transparent 80%);
  transform: translateX(-120%);
  transition: transform .7s var(--ease-out);
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 10px 26px rgba(60, 168, 60, .36); }
.btn:hover::after { transform: translateX(120%); }
.btn:active { transform: translateY(0); }

.btn--teal { --btn-bg: var(--teal-700); box-shadow: 0 4px 14px rgba(0, 72, 84, .28); }
.btn--teal:hover { box-shadow: 0 10px 26px rgba(0, 72, 84, .34); }

.btn--ghost {
  --btn-bg: transparent; --btn-fg: var(--ink);
  box-shadow: inset 0 0 0 1.5px var(--line);
}
.btn--ghost:hover { box-shadow: inset 0 0 0 1.5px var(--teal-500); background: var(--surface-2); }

.btn--glass {
  --btn-bg: rgba(255, 255, 255, .09); --btn-fg: #fff;
  box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .26);
  backdrop-filter: blur(8px);
}
.btn--glass:hover { --btn-bg: rgba(255, 255, 255, .16); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .45); }

.btn--sm { padding: 11px 20px; font-size: .89rem; }
.btn--lg { padding: 17px 34px; font-size: 1.02rem; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: .93rem; color: var(--teal-600);
}
.link-arrow svg { transition: transform .35s var(--ease-out); }
.link-arrow:hover svg { transform: translateX(4px); }

/* ==========================================================================
   Header
   ========================================================================== */
.topbar {
  background: var(--teal-800);
  color: rgba(255, 255, 255, .8);
  font-size: .82rem;
}
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 40px; }
.topbar-list { display: flex; align-items: center; gap: 22px; }
.topbar a { display: inline-flex; align-items: center; gap: 7px; transition: color .2s; }
.topbar a:hover { color: #fff; }
.topbar svg { flex: none; opacity: .75; }
@media (max-width: 860px) { .topbar-list--right { display: none; } }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .82);
  backdrop-filter: blur(14px) saturate(1.6);
  -webkit-backdrop-filter: blur(14px) saturate(1.6);
  border-bottom: 1px solid transparent;
  transition: box-shadow .3s, border-color .3s, background-color .3s;
}
.site-header.is-stuck {
  border-bottom-color: var(--line);
  box-shadow: 0 6px 24px rgba(0, 45, 54, .07);
}
.nav { display: flex; align-items: center; gap: 28px; height: var(--nav-h); }
.brand { flex: none; display: flex; align-items: center; }
.brand img { width: 208px; height: auto; }

.nav-list { display: flex; align-items: center; gap: 4px; margin-left: auto; }
@media (max-width: 1080px) { .nav-list { display: none; } }

.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 10px 14px; border-radius: 999px;
  font-size: .95rem; font-weight: 600; color: var(--ink);
  transition: background-color .2s, color .2s;
}
.nav-link:hover, .nav-item:focus-within > .nav-link { background: var(--surface-3); color: var(--teal-700); }
.nav-link[aria-current="page"] { color: var(--green-600); }
.nav-link .chev { transition: transform .3s var(--ease-out); opacity: .55; }
.nav-item:hover .chev, .nav-item:focus-within .chev { transform: rotate(180deg); }

/* dropdown */
.dropdown {
  position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translate(-50%, 10px);
  min-width: 260px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  box-shadow: var(--shadow-lg);
  padding: 10px;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .25s var(--ease-out), transform .3s var(--ease-out), visibility .25s;
}
.dropdown--wide { min-width: 560px; display: grid; grid-template-columns: 1fr 1fr; gap: 4px; }
.nav-item:hover > .dropdown,
.nav-item:focus-within > .dropdown {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translate(-50%, 0);
}
.dropdown a {
  display: flex; align-items: center; gap: 11px;
  padding: 10px 12px; border-radius: var(--r-sm);
  font-size: .92rem; font-weight: 600; color: var(--ink);
  transition: background-color .18s, color .18s, transform .18s;
}
.dropdown a:hover { background: var(--surface-2); color: var(--teal-700); transform: translateX(3px); }
.dropdown .dot { flex: none; width: 6px; height: 6px; border-radius: 50%; background: var(--green-500); opacity: .55; }
.dropdown-title {
  grid-column: 1 / -1;
  padding: 8px 12px 4px;
  font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  color: var(--muted);
}

.nav-cta { display: flex; align-items: center; gap: 10px; }
@media (max-width: 1080px) { .nav-cta .btn { display: none; } }

/* mobile toggle */
.nav-toggle {
  display: none; flex: none;
  width: 46px; height: 46px; border-radius: 12px;
  background: var(--surface-2); border: 1px solid var(--line);
  cursor: pointer;
  align-items: center; justify-content: center;
}
@media (max-width: 1080px) { .nav-toggle { display: inline-flex; } .nav-cta { margin-left: auto; } }
.nav-toggle span {
  display: block; width: 19px; height: 2px; border-radius: 2px; background: var(--ink);
  position: relative;
  transition: background-color .2s;
}
.nav-toggle span::before, .nav-toggle span::after {
  content: ""; position: absolute; left: 0; width: 19px; height: 2px; border-radius: 2px; background: var(--ink);
  transition: transform .32s var(--ease-out);
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { transform: translateY(-6px) rotate(-45deg); }

/* mobile drawer */
.mobile-nav {
  position: fixed; inset: 0; top: 0; z-index: 99;
  background: #fff;
  padding: calc(var(--nav-h) + 56px) var(--gutter) 40px;
  overflow-y: auto;
  transform: translateY(-100%);
  visibility: hidden;
  transition: transform .45s var(--ease-out), visibility .45s;
}
.mobile-nav.is-open { transform: translateY(0); visibility: visible; }
.mobile-nav details { border-bottom: 1px solid var(--line); }
.mobile-nav summary {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 2px; font-size: 1.05rem; font-weight: 700; color: var(--ink);
  cursor: pointer; list-style: none;
}
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav summary::after {
  content: ""; width: 9px; height: 9px; flex: none;
  border-right: 2px solid var(--muted); border-bottom: 2px solid var(--muted);
  transform: rotate(45deg) translateY(-2px);
  transition: transform .3s var(--ease-out);
}
.mobile-nav details[open] summary::after { transform: rotate(-135deg) translateY(-2px); }
.mobile-nav .sub { padding: 0 2px 16px; display: grid; gap: 2px; }
.mobile-nav .sub a { padding: 9px 12px; border-radius: var(--r-sm); font-weight: 600; color: var(--body); }
.mobile-nav .sub a:hover { background: var(--surface-2); color: var(--teal-700); }
.mobile-nav > a.m-link {
  display: block; padding: 16px 2px; font-size: 1.05rem; font-weight: 700; color: var(--ink);
  border-bottom: 1px solid var(--line);
}
.mobile-nav .m-actions { display: grid; gap: 12px; margin-top: 28px; }

body.nav-open { overflow: hidden; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  background: var(--teal-900);
  color: #fff;
  overflow: hidden;
  padding-block: clamp(72px, 9vw, 128px) clamp(90px, 10vw, 150px);
  isolation: isolate;
}
.hero h1, .hero h2, .hero h3 { color: #fff; }

/* aurora blobs */
.hero-aurora { position: absolute; inset: -20% -10%; z-index: -3; filter: blur(72px); opacity: .62; }
.hero-aurora i {
  position: absolute; display: block; border-radius: 50%;
  will-change: transform;
}
.hero-aurora i:nth-child(1) {
  width: 46vw; height: 46vw; left: -6%; top: -14%;
  background: radial-gradient(circle, var(--teal-500), transparent 66%);
  animation: drift1 22s var(--ease-io) infinite alternate;
}
.hero-aurora i:nth-child(2) {
  width: 40vw; height: 40vw; right: -8%; top: 4%;
  background: radial-gradient(circle, var(--green-600), transparent 66%);
  animation: drift2 26s var(--ease-io) infinite alternate;
}
.hero-aurora i:nth-child(3) {
  width: 36vw; height: 36vw; left: 32%; bottom: -22%;
  background: radial-gradient(circle, #0d95ad, transparent 68%);
  animation: drift3 30s var(--ease-io) infinite alternate;
}
@keyframes drift1 { to { transform: translate3d(14%, 16%, 0) scale(1.18); } }
@keyframes drift2 { to { transform: translate3d(-16%, 12%, 0) scale(1.12); } }
@keyframes drift3 { to { transform: translate3d(10%, -18%, 0) scale(1.22); } }

/* grid overlay */
.hero-grid {
  position: absolute; inset: 0; z-index: -2;
  background-image:
    linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(ellipse 80% 62% at 50% 40%, #000 30%, transparent 78%);
  -webkit-mask-image: radial-gradient(ellipse 80% 62% at 50% 40%, #000 30%, transparent 78%);
}
/* cursor-follow glow */
.hero-glow {
  position: absolute; z-index: -1; width: 620px; height: 620px;
  left: var(--mx, 50%); top: var(--my, 40%);
  transform: translate(-50%, -50%);
  background: radial-gradient(circle, rgba(60, 168, 60, .17), transparent 62%);
  pointer-events: none;
  transition: opacity .5s;
}
@media (hover: none) { .hero-glow { display: none; } }

.hero-inner { position: relative; display: grid; gap: clamp(48px, 6vw, 72px); grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); align-items: center; }
@media (max-width: 940px) { .hero-inner { grid-template-columns: 1fr; } }

.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 7px 8px 7px 7px; border-radius: 999px;
  background: rgba(255, 255, 255, .07);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .14);
  backdrop-filter: blur(8px);
  font-size: .84rem; font-weight: 600; color: rgba(255, 255, 255, .9);
  margin-bottom: 26px;
}
.hero-badge b {
  background: var(--green-500); color: #fff;
  padding: 3px 11px; border-radius: 999px;
  font-size: .74rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase;
}
.hero-badge .pulse {
  width: 7px; height: 7px; border-radius: 50%; background: var(--green-300);
  box-shadow: 0 0 0 0 rgba(134, 211, 134, .7);
  animation: pulse 2.4s infinite;
  margin-right: -3px;
}
@keyframes pulse {
  70% { box-shadow: 0 0 0 9px rgba(134, 211, 134, 0); }
  100% { box-shadow: 0 0 0 0 rgba(134, 211, 134, 0); }
}

.hero h1 .grad {
  background: linear-gradient(96deg, var(--green-300) 5%, #7fe0a6 42%, var(--teal-300) 92%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-sub {
  margin-top: 22px; max-width: 545px;
  font-size: clamp(1.02rem, .96rem + .35vw, 1.18rem);
  color: rgba(255, 255, 255, .74);
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }

.hero-trust {
  display: flex; flex-wrap: wrap; gap: 10px 26px;
  margin-top: 38px; padding-top: 26px;
  border-top: 1px solid rgba(255, 255, 255, .12);
}
.hero-trust li {
  display: flex; align-items: center; gap: 9px;
  font-size: .89rem; font-weight: 600; color: rgba(255, 255, 255, .78);
}
.hero-trust svg { flex: none; color: var(--green-300); }

/* glass card */
.hero-card {
  position: relative;
  background: rgba(255, 255, 255, .07);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .15), 0 30px 70px rgba(0, 0, 0, .3);
  backdrop-filter: blur(18px) saturate(1.3);
  -webkit-backdrop-filter: blur(18px) saturate(1.3);
  border-radius: var(--r-xl);
  padding: 30px;
  animation: floatCard 7s var(--ease-io) infinite alternate;
}
@keyframes floatCard { to { transform: translateY(-13px); } }
@media (prefers-reduced-motion: reduce) { .hero-card { animation: none; } }

.hero-card h3 { font-size: 1.12rem; margin-bottom: 4px; }
.hero-card .card-sub { font-size: .87rem; color: rgba(255, 255, 255, .6); margin-bottom: 22px; }
.hero-card-list { display: grid; gap: 11px; }
.hero-card-list li {
  display: flex; align-items: center; gap: 13px;
  padding: 13px 15px; border-radius: var(--r-md);
  background: rgba(255, 255, 255, .06);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .09);
  transition: transform .35s var(--ease-out), background-color .3s;
}
.hero-card-list li:hover { transform: translateX(5px); background: rgba(255, 255, 255, .11); }
.hero-card-list .ic {
  flex: none; width: 38px; height: 38px; border-radius: 11px;
  display: grid; place-items: center;
  background: linear-gradient(140deg, var(--green-600), var(--teal-600));
  color: #fff;
}
.hero-card-list li > span:last-child { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.hero-card-list .t { display: block; font-size: .93rem; font-weight: 700; color: #fff; line-height: 1.35; }
.hero-card-list .d { display: block; font-size: .8rem; line-height: 1.4; color: rgba(255, 255, 255, .58); }
.hero-card .card-foot {
  margin-top: 22px; padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
}
.hero-card .card-foot span { font-size: .84rem; color: rgba(255, 255, 255, .62); }

/* ==========================================================================
   Marquee
   ========================================================================== */
.marquee {
  --gap: 44px;
  overflow: hidden;
  padding-block: 22px;
  background: var(--teal-800);
  border-block: 1px solid rgba(255, 255, 255, .08);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track { display: flex; gap: var(--gap); width: max-content; animation: scroll 34s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track > ul { display: flex; gap: var(--gap); flex: none; }
.marquee-track li {
  display: flex; align-items: center; gap: 11px;
  font-size: .95rem; font-weight: 700; letter-spacing: -.01em;
  color: rgba(255, 255, 255, .62);
  white-space: nowrap;
}
.marquee-track li::before {
  content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--green-500); flex: none;
}
@keyframes scroll { to { transform: translateX(calc(-50% - (var(--gap) / 2))); } }

/* ==========================================================================
   Stats
   ========================================================================== */
.stats {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
}
@media (max-width: 780px) { .stats { grid-template-columns: repeat(2, 1fr); } }
.stat { background: #fff; padding: clamp(24px, 3vw, 36px); text-align: center; transition: background-color .3s; }
.stat:hover { background: var(--surface-2); }
.stat b {
  display: block;
  font-size: clamp(2rem, 1.3rem + 2.4vw, 3.1rem);
  font-weight: 800; letter-spacing: -.035em; line-height: 1;
  color: var(--teal-700);
  font-variant-numeric: tabular-nums;
}
.stat b .suf { color: var(--green-500); }
.stat > span { display: block; margin-top: 10px; font-size: .88rem; font-weight: 600; color: var(--muted); }

/* ==========================================================================
   Cards / grids
   ========================================================================== */
.grid { display: grid; gap: 22px; }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 980px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 660px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 30px 28px;
  overflow: hidden;
  transition: transform .4s var(--ease-out), box-shadow .4s var(--ease-out), border-color .3s;
}
.card::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(420px circle at var(--cx, 50%) var(--cy, 0%), rgba(60, 168, 60, .08), transparent 55%);
  opacity: 0; transition: opacity .4s;
  pointer-events: none;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: transparent; }
.card:hover::before { opacity: 1; }
.card h3 { margin-bottom: 9px; }
.card p { font-size: .95rem; }
.card .card-link { margin-top: 18px; }

.card-ic {
  width: 52px; height: 52px; border-radius: 15px;
  display: grid; place-items: center;
  background: linear-gradient(140deg, var(--teal-100), #fff);
  box-shadow: inset 0 0 0 1px var(--line);
  color: var(--teal-600);
  margin-bottom: 20px;
  transition: transform .45s var(--ease-out), background .35s, color .35s;
}
.card:hover .card-ic {
  transform: rotate(-7deg) scale(1.07);
  background: linear-gradient(140deg, var(--green-600), var(--teal-600));
  color: #fff;
}

/* feature card (dark) */
.card--dark {
  background: linear-gradient(155deg, var(--teal-800), var(--teal-900));
  border-color: transparent;
  color: rgba(255, 255, 255, .74);
}
.card--dark h3 { color: #fff; }
.card--dark .card-ic { background: rgba(255, 255, 255, .1); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .15); color: var(--green-300); }
.card--dark .link-arrow { color: var(--green-300); }

/* loan pill list */
.pill-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.pill {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 11px 18px; border-radius: 999px;
  background: #fff; border: 1px solid var(--line);
  font-size: .92rem; font-weight: 650; color: var(--ink);
  transition: transform .3s var(--ease-out), border-color .25s, box-shadow .3s, color .25s;
}
.pill::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--green-500); flex: none; }
.pill:hover { transform: translateY(-3px); border-color: var(--green-300); box-shadow: var(--shadow-sm); color: var(--teal-700); }

/* ==========================================================================
   Split (image + text)
   ========================================================================== */
.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(36px, 5vw, 72px); align-items: center; }
@media (max-width: 880px) { .split { grid-template-columns: 1fr; } }
.split-media { position: relative; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.split-media img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3.2; }
.split-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(190deg, transparent 45%, rgba(0, 37, 44, .45));
}
.split-float {
  position: absolute; z-index: 2; left: 22px; bottom: 22px; right: 22px;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(12px);
  border-radius: var(--r-md);
  padding: 18px 20px;
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 15px;
}
.split-float .ic {
  flex: none; width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--green-600), var(--teal-600)); color: #fff;
}
.split-float b { display: block; color: var(--ink); font-size: .97rem; }
.split-float span { font-size: .84rem; color: var(--muted); }

.check-list { display: grid; gap: 15px; margin-top: 28px; }
.check-list li { display: flex; gap: 13px; font-size: .97rem; }
.check-list .ic {
  flex: none; width: 24px; height: 24px; border-radius: 50%; margin-top: 2px;
  display: grid; place-items: center;
  background: var(--green-100); color: var(--green-700);
}
.check-list b { color: var(--ink); }

/* ==========================================================================
   Process steps
   ========================================================================== */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; position: relative; }
@media (max-width: 980px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding-top: 30px; }
.step::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: var(--line); border-radius: 2px;
  overflow: hidden;
}
.step::after {
  content: ""; position: absolute; top: 0; left: 0; height: 2px; width: 0;
  background: linear-gradient(90deg, var(--green-500), var(--teal-500));
  border-radius: 2px;
  transition: width 1s var(--ease-out);
  transition-delay: var(--d, 0s);
}
.is-visible .step::after { width: 100%; }
.step .n {
  display: inline-block; font-size: .76rem; font-weight: 800; letter-spacing: .12em;
  color: var(--green-600); margin-bottom: 12px;
}
.step h3 { font-size: 1.12rem; margin-bottom: 8px; }
.step p { font-size: .93rem; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.tm { --gap: 22px; overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.tm-track { display: flex; gap: var(--gap); width: max-content; animation: scroll 44s linear infinite; }
.tm:hover .tm-track { animation-play-state: paused; }
.tm-track > ul { display: flex; gap: var(--gap); flex: none; }
.tm-card {
  width: 360px; flex: none;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 28px;
  display: flex; flex-direction: column; gap: 16px;
  transition: border-color .3s, box-shadow .3s;
}
.tm-card:hover { border-color: var(--green-300); box-shadow: var(--shadow-md); }
.tm-stars { display: flex; gap: 3px; color: var(--gold); }
.tm-card q { font-size: 1rem; color: var(--ink); font-weight: 600; line-height: 1.55; font-style: normal; quotes: "“" "”"; }
.tm-who { display: flex; align-items: center; gap: 13px; margin-top: auto; padding-top: 6px; }
.tm-av {
  flex: none; width: 42px; height: 42px; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(140deg, var(--teal-600), var(--green-600));
  color: #fff; font-weight: 800; font-size: .92rem;
}
.tm-who b { display: block; color: var(--ink); font-size: .94rem; }
.tm-who span { font-size: .82rem; color: var(--muted); }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq { display: grid; gap: 12px; max-width: 820px; margin-inline: auto; }
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  transition: border-color .25s, box-shadow .3s;
}
.faq details[open] { border-color: var(--green-300); box-shadow: var(--shadow-sm); }
.faq summary {
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
  padding: 20px 24px;
  font-size: 1.02rem; font-weight: 700; color: var(--ink);
  cursor: pointer; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; flex: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--surface-3);
  background-image: linear-gradient(var(--teal-700), var(--teal-700)), linear-gradient(var(--teal-700), var(--teal-700));
  background-size: 10px 2px, 2px 10px;
  background-position: center, center;
  background-repeat: no-repeat;
  transition: transform .35s var(--ease-out), background-color .25s;
}
.faq details[open] summary::after { transform: rotate(135deg); background-color: var(--green-100); }
.faq .a { padding: 0 24px 22px; font-size: .97rem; animation: fadeUp .4s var(--ease-out); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(-6px); } }

/* ==========================================================================
   Contact
   ========================================================================== */
.contact-grid { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(30px, 4vw, 56px); }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }

.info-list { display: grid; gap: 14px; margin-top: 30px; }
.info-item {
  display: flex; gap: 16px;
  padding: 20px; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  transition: transform .35s var(--ease-out), box-shadow .3s;
}
.info-item:hover { transform: translateX(5px); box-shadow: var(--shadow-sm); }
.info-item .ic {
  flex: none; width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center;
  background: var(--teal-100); color: var(--teal-700);
}
.info-item b { display: block; color: var(--ink); font-size: .95rem; margin-bottom: 3px; }
.info-item p, .info-item a { font-size: .93rem; color: var(--body); }
.info-item a:hover { color: var(--teal-600); }

.form {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(24px, 3vw, 36px);
  box-shadow: var(--shadow-sm);
}
.field { margin-bottom: 18px; }
.field label { display: block; font-size: .86rem; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--line); border-radius: var(--r-sm);
  background: var(--surface-2);
  font-size: .97rem;
  transition: border-color .25s, background-color .25s, box-shadow .25s;
}
.field textarea { resize: vertical; min-height: 118px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--green-500); background: #fff;
  box-shadow: 0 0 0 4px rgba(60, 168, 60, .12);
}
.field input::placeholder, .field textarea::placeholder { color: #9fb0b4; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; } }
.form .btn { width: 100%; }
.form-note { margin-top: 14px; font-size: .82rem; color: var(--muted); text-align: center; }
.form-status { margin-top: 14px; font-size: .9rem; font-weight: 600; text-align: center; }

.map-embed {
  border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line);
  filter: grayscale(.35) contrast(1.05);
  transition: filter .5s;
}
.map-embed:hover { filter: grayscale(0); }
.map-embed iframe { display: block; width: 100%; height: 380px; border: 0; }

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta-band {
  position: relative; overflow: hidden;
  background: linear-gradient(140deg, var(--teal-800), var(--teal-900) 60%);
  border-radius: var(--r-xl);
  padding: clamp(38px, 5vw, 62px);
  color: rgba(255, 255, 255, .76);
  text-align: center;
}
.cta-band::before {
  content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%;
  background: radial-gradient(circle, rgba(60, 168, 60, .3), transparent 62%);
  top: -50%; left: 50%; transform: translateX(-50%);
  animation: drift3 18s var(--ease-io) infinite alternate;
}
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; }
.cta-band p { margin: 16px auto 0; max-width: 560px; }
.cta-band .hero-actions { justify-content: center; }

/* ==========================================================================
   Page hero (inner pages)
   ========================================================================== */
.page-hero {
  position: relative; overflow: hidden; isolation: isolate;
  background: var(--teal-900); color: rgba(255, 255, 255, .74);
  padding-block: clamp(56px, 7vw, 92px);
  text-align: center;
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 1.4rem + 2.6vw, 3.2rem); }
.page-hero p { margin: 18px auto 0; max-width: 620px; }
.crumb { display: flex; justify-content: center; gap: 9px; font-size: .85rem; color: rgba(255, 255, 255, .55); margin-bottom: 18px; }
.crumb a:hover { color: var(--green-300); }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--teal-900); color: rgba(255, 255, 255, .62); padding-block: clamp(52px, 6vw, 76px) 0; }
/* column one now carries the contact details, so it takes the width the
   last column no longer needs */
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 40px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h3, .site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .13em; text-transform: uppercase; margin-bottom: 20px; }
.site-footer .f-logo {
  width: 210px; margin-bottom: 20px;
  filter: brightness(0) invert(1);
}
.site-footer p { font-size: .93rem; max-width: 330px; }
.f-links { display: grid; gap: 11px; }
.f-links a { font-size: .93rem; transition: color .2s, transform .2s; display: inline-block; }
.f-links a:hover { color: var(--green-300); transform: translateX(3px); }
.f-contact { display: grid; gap: 15px; font-size: .93rem; }
.f-contact li { display: flex; gap: 11px; }
.f-contact svg { flex: none; margin-top: 4px; color: var(--green-500); }
.f-contact a:hover { color: #fff; }
.f-social { display: flex; gap: 10px; margin-top: 24px; }
/* sits directly under the logo now, where the blurb used to be */
.f-contact--brand { margin-top: 22px; }
.f-contact--brand li { font-size: .9rem; line-height: 1.55; }
.f-social a {
  width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(255, 255, 255, .07); color: rgba(255, 255, 255, .8);
  transition: background-color .25s, transform .3s var(--ease-out), color .25s;
}
.f-social a:hover { background: var(--green-500); color: #fff; transform: translateY(-3px); }
.f-bottom {
  margin-top: clamp(40px, 5vw, 60px);
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding-block: 24px;
  display: flex; flex-wrap: wrap; gap: 12px 24px; align-items: center; justify-content: space-between;
  font-size: .86rem;
}

/* ==========================================================================
   Floating actions
   ========================================================================== */
.fab { position: fixed; right: 20px; bottom: 20px; z-index: 90; display: grid; gap: 12px; }
.fab a, .fab button {
  width: 54px; height: 54px; border-radius: 50%;
  display: grid; place-items: center;
  border: 0; cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: transform .35s var(--ease-out), box-shadow .3s, opacity .3s, visibility .3s;
}
.fab .wa { background: #25d366; color: #fff; }
.fab .wa::after {
  content: ""; position: absolute; width: 54px; height: 54px; border-radius: 50%;
  background: #25d366; opacity: .5;
  animation: ring 2.6s var(--ease-out) infinite;
  z-index: -1;
}
.fab .wa { position: relative; isolation: isolate; }
@keyframes ring { to { transform: scale(1.75); opacity: 0; } }
.fab .top { background: #fff; color: var(--teal-700); box-shadow: var(--shadow-sm), inset 0 0 0 1px var(--line); opacity: 0; visibility: hidden; }
.fab .top.show { opacity: 1; visibility: visible; }
.fab a:hover, .fab button:hover { transform: translateY(-3px) scale(1.05); }

/* ==========================================================================
   Scroll reveal + progress
   ========================================================================== */
.progress {
  position: fixed; top: 0; left: 0; z-index: 200; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--green-500), var(--teal-500));
  transition: width .1s linear;
}

[data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity .75s var(--ease-out), transform .75s var(--ease-out);
  transition-delay: var(--d, 0s);
}
[data-reveal].is-visible { opacity: 1; transform: none; }

[data-reveal="scale"] { transform: translateY(20px) scale(.965); }
[data-reveal="left"] { transform: translateX(-30px); }
[data-reveal="right"] { transform: translateX(30px); }

/* staggered children */
[data-stagger] > * {
  opacity: 0; transform: translateY(24px);
  transition: opacity .7s var(--ease-out), transform .7s var(--ease-out);
}
[data-stagger].is-visible > * { opacity: 1; transform: none; }
[data-stagger].is-visible > *:nth-child(1) { transition-delay: .05s; }
[data-stagger].is-visible > *:nth-child(2) { transition-delay: .12s; }
[data-stagger].is-visible > *:nth-child(3) { transition-delay: .19s; }
[data-stagger].is-visible > *:nth-child(4) { transition-delay: .26s; }
[data-stagger].is-visible > *:nth-child(5) { transition-delay: .33s; }
[data-stagger].is-visible > *:nth-child(6) { transition-delay: .4s; }
[data-stagger].is-visible > *:nth-child(7) { transition-delay: .47s; }
[data-stagger].is-visible > *:nth-child(8) { transition-delay: .54s; }

/* hero entrance */
.hero [data-in] {
  opacity: 0; transform: translateY(22px); filter: blur(6px);
  animation: heroIn .9s var(--ease-out) forwards;
  animation-delay: var(--d, 0s);
}
@keyframes heroIn { to { opacity: 1; transform: none; filter: blur(0); } }

/* ---------- Motion safety ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  [data-reveal], [data-stagger] > *, .hero [data-in] { opacity: 1 !important; transform: none !important; filter: none !important; }
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-lg { margin-top: clamp(32px, 4vw, 48px); }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

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