/* ═══════════════════════════════════════════════════════════
 *  css/pages/home-loan.css — Land of Profits
 *  Page-specific styles for home-loan.html.
 * ═══════════════════════════════════════════════════════════ */

*,
      *::before,
      *::after {
        box-sizing: border-box;
        margin: 0;
        padding: 0;
      }
      
      html {
        scroll-behavior: smooth;
      }
      body {
        font-family: var(--sans);
        background: var(--cream);
        color: var(--ink);
        font-size: 15px;
        line-height: 1.65;
        overflow-x: hidden;
      }
      a {
        text-decoration: none;
        color: inherit;
      }
      button {
        font-family: var(--sans);
        cursor: pointer;
        border: none;
        outline: none;
      }
      input,
      select,
      textarea {
        font-family: var(--sans);
      }
      .lop-sfx {
        color: var(--gold);
        font-weight: 600;
      }

      /* ══ FLOATS ═══════════════════════════════════════ */
      .fl-l {
        position: fixed;
        left: 0;
        top: 50%;
        transform: translateY(-50%) rotate(-90deg) translateX(-50%);
        transform-origin: left center;
        z-index: 100;
      }
      .fl-r {
        position: fixed;
        right: 0;
        top: 50%;
        transform: translateY(-50%) rotate(90deg) translateX(50%);
        transform-origin: right center;
        z-index: 100;
      }
      .fl-btn {
        background: var(--mocha);
        color: var(--white);
        padding: 10px 20px;
        font-size: 11px;
        font-weight: 600;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        white-space: nowrap;
      }

      /* ══ HERO ══════════════════════════════════════════ */
      #hero {
        min-height: 100vh;
        background: var(--navy);
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 72px;
        align-items: center;
        padding: 100px 5% 80px;
        position: relative;
        overflow: hidden;
      }
      #hero::before {
        content: '';
        position: absolute;
        inset: 0;
        background: radial-gradient(
          ellipse 55% 70% at 75% 45%,
          rgba(26, 74, 122, 0.2) 0%,
          transparent 65%
        );
      }
      #hero::after {
        content: '';
        position: absolute;
        right: 0;
        top: 0;
        width: 50%;
        height: 100%;
        background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 700 900'%3E%3Ccircle cx='350' cy='450' r='340' fill='none' stroke='%23C9A96E' stroke-width='0.5' stroke-opacity='0.09'/%3E%3Ccircle cx='350' cy='450' r='240' fill='none' stroke='%231A4A7A' stroke-width='0.5' stroke-opacity='0.13'/%3E%3Ccircle cx='350' cy='450' r='140' fill='none' stroke='%23C9A96E' stroke-width='0.4' stroke-opacity='0.07'/%3E%3Cline x1='50' y1='0' x2='650' y2='900' stroke='%23C9A96E' stroke-width='0.3' stroke-opacity='0.05'/%3E%3Cline x1='650' y1='0' x2='50' y2='900' stroke='%23C9A96E' stroke-width='0.3' stroke-opacity='0.05'/%3E%3C/svg%3E")
          center/cover;
        opacity: 0.7;
        pointer-events: none;
      }
      .hero-content {
        position: relative;
        z-index: 2;
      }
      .eyebrow {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        margin-bottom: 24px;
        background: rgba(26, 74, 122, 0.2);
        border: 1px solid rgba(26, 74, 122, 0.35);
        color: #7aaee8;
        font-size: 11px;
        font-weight: 500;
        letter-spacing: 2px;
        text-transform: uppercase;
        padding: 6px 14px;
        border-radius: 20px;
      }
      .eyebrow::before {
        content: '';
        width: 6px;
        height: 6px;
        border-radius: 50%;
        background: #7aaee8;
      }
      h1.hero-h1 {
        font-family: var(--serif);
        font-size: clamp(42px, 4.8vw, 64px);
        font-weight: 600;
        line-height: 1.06;
        letter-spacing: -0.5px;
        color: var(--white);
        margin-bottom: 12px;
      }
      h1.hero-h1 em {
        font-style: italic;
        color: var(--gold);
      }
      .hero-tagline {
        font-family: var(--serif);
        font-size: clamp(16px, 1.8vw, 19px);
        font-style: italic;
        color: rgba(255, 255, 255, 0.42);
        margin-bottom: 22px;
      }
      .hero-desc {
        font-size: 15px;
        font-weight: 300;
        color: rgba(255, 255, 255, 0.6);
        line-height: 1.75;
        max-width: 480px;
        margin-bottom: 38px;
      }
      .hero-btns {
        display: flex;
        gap: 14px;
        flex-wrap: wrap;
        margin-bottom: 48px;
      }
      .btn-blue {
        background: var(--blue);
        color: var(--white);
        padding: 14px 32px;
        border-radius: var(--r6);
        font-size: 14px;
        font-weight: 600;
        transition: all 0.2s;
        display: inline-flex;
        align-items: center;
        gap: 8px;
      }
      .btn-blue:hover {
        background: var(--blue2);
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(26, 74, 122, 0.35);
      }
      .btn-blue svg,
      .btn-ow svg {
        width: 16px;
        height: 16px;
        stroke: currentColor;
        fill: none;
        stroke-width: 2;
      }
      .btn-ow {
        background: transparent;
        color: rgba(255, 255, 255, 0.75);
        padding: 13px 26px;
        border-radius: var(--r6);
        font-size: 14px;
        border: 1px solid rgba(255, 255, 255, 0.18);
        transition: all 0.2s;
        display: inline-flex;
        align-items: center;
        gap: 8px;
      }
      .btn-ow:hover {
        border-color: rgba(255, 255, 255, 0.45);
        color: var(--white);
      }
      .hero-stats {
        display: flex;
        gap: 20px;
        padding-top: 32px;
        border-top: 1px solid rgba(255, 255, 255, 0.08);
      }
      .hs-item {
        text-align: center;
      }
      .hs-num {
        font-family: var(--serif);
        font-size: 28px;
        font-weight: 600;
        color: var(--gold);
        line-height: 1;
      }
      .hs-lbl {
        font-size: 11px;
        color: rgba(255, 255, 255, 0.35);
        letter-spacing: 0.5px;
        margin-top: 3px;
      }
      .hs-div {
        width: 1px;
        height: 36px;
        background: rgba(255, 255, 255, 0.08);
      }

      /* Hero right — quick apply card */
      .hero-card {
        position: relative;
        z-index: 2;
      }
      .apply-card {
        background: rgba(255, 255, 255, 0.05);
        border: 1px solid rgba(201, 169, 110, 0.18);
        border-radius: var(--r20);
        padding: 36px;
        backdrop-filter: blur(8px);
      }
      .ac-title {
        font-family: var(--serif);
        font-size: 22px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 5px;
      }
      .ac-sub {
        font-size: 13px;
        color: rgba(255, 255, 255, 0.38);
        margin-bottom: 28px;
        font-weight: 300;
      }
      .afield {
        margin-bottom: 14px;
      }
      .afield label {
        display: block;
        font-size: 11px;
        letter-spacing: 1px;
        text-transform: uppercase;
        color: rgba(255, 255, 255, 0.28);
        font-weight: 500;
        margin-bottom: 5px;
      }
      .ainput {
        width: 100%;
        background: rgba(255, 255, 255, 0.07);
        border: 1px solid rgba(255, 255, 255, 0.12);
        border-radius: var(--r6);
        padding: 11px 14px;
        color: rgba(255, 255, 255, 0.85);
        font-family: var(--sans);
        font-size: 13.5px;
        outline: none;
        transition: border-color 0.15s;
        appearance: none;
      }
      .ainput:focus {
        border-color: rgba(26, 74, 122, 0.5);
        background: rgba(255, 255, 255, 0.09);
      }
      .ainput option {
        background: var(--navy2);
      }
      .arow {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
      }
      .btn-apply {
        width: 100%;
        background: var(--gold);
        color: var(--navy);
        padding: 14px;
        border-radius: var(--r10);
        font-size: 14px;
        font-weight: 600;
        letter-spacing: 0.3px;
        transition: all 0.15s;
        margin-top: 6px;
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 8px;
      }
      .btn-apply:hover {
        background: var(--gold2);
      }
      .btn-apply svg {
        width: 16px;
        height: 16px;
        stroke: var(--navy);
        fill: none;
        stroke-width: 2;
      }
      .ac-footer {
        display: flex;
        align-items: flex-start;
        gap: 8px;
        margin-top: 16px;
        padding-top: 16px;
        border-top: 1px solid rgba(255, 255, 255, 0.07);
      }
      .ac-footer svg {
        width: 14px;
        height: 14px;
        stroke: var(--gold);
        fill: none;
        stroke-width: 2;
        flex-shrink: 0;
        margin-top: 1px;
      }
      .ac-footer p {
        font-size: 11.5px;
        color: rgba(255, 255, 255, 0.3);
        line-height: 1.5;
      }

      /* Breadcrumb */
      .bc-strip {
        background: var(--mocha3);
        padding: 14px 40px;
      }
      .bc-inner {
        max-width: 1240px;
        margin: 0 auto;
        display: flex;
        align-items: center;
        gap: 8px;
      }
      .bc-strip a {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.3);
        transition: color 0.15s;
      }
      .bc-strip a:hover {
        color: var(--gold);
      }
      .bc-strip svg {
        width: 10px;
        height: 10px;
        stroke: rgba(255, 255, 255, 0.15);
        fill: none;
        stroke-width: 2;
      }
      .bc-strip span {
        font-size: 12px;
        color: var(--gold);
      }

      /* ══ SECTIONS ══════════════════════════════════════ */
      .section {
        padding: 88px 40px;
      }
      .sec-inner {
        max-width: 1240px;
        margin: 0 auto;
      }
      .ey {
        display: inline-block;
        font-size: 11px;
        letter-spacing: 2px;
        text-transform: uppercase;
        font-weight: 600;
        margin-bottom: 14px;
        color: var(--blue);
      }
      .ey-lt {
        color: #7aaee8;
      }
      h2.st {
        font-family: var(--serif);
        font-size: clamp(30px, 3.2vw, 46px);
        font-weight: 600;
        letter-spacing: -0.4px;
        line-height: 1.1;
        color: var(--ink);
        margin-bottom: 14px;
      }
      h2.st.light {
        color: var(--white);
      }
      h2.st em {
        font-style: italic;
        color: var(--blue);
      }
      h2.st.light em {
        color: var(--gold);
      }
      .ss {
        font-size: 15px;
        font-weight: 300;
        color: var(--slate);
        max-width: 540px;
        line-height: 1.75;
      }
      .ss.light {
        color: rgba(255, 255, 255, 0.5);
      }
      .tc {
        text-align: center;
      }
      .tc .ss {
        margin: 0 auto;
      }

      /* ══ LOAN TYPES ════════════════════════════════════ */
      #types {
        background: var(--white);
      }
      .types-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 18px;
        margin-top: 52px;
      }
      .type-card {
        background: var(--cream);
        border: 1px solid var(--fog);
        border-radius: var(--r20);
        padding: 32px 26px;
        transition: all 0.25s;
        position: relative;
        overflow: hidden;
        cursor: default;
      }
      .type-card::after {
        content: '';
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: linear-gradient(90deg, var(--blue), var(--gold));
        transform: scaleX(0);
        transform-origin: left;
        transition: transform 0.3s;
      }
      .type-card:hover {
        transform: translateY(-4px);
        box-shadow: var(--sh-md);
        border-color: rgba(26, 74, 122, 0.2);
      }
      .type-card:hover::after {
        transform: scaleX(1);
      }
      .tc-ico {
        width: 50px;
        height: 50px;
        background: var(--blue-lt);
        border-radius: 13px;
        display: flex;
        align-items: center;
        justify-content: center;
        margin-bottom: 20px;
      }
      .tc-ico svg {
        width: 24px;
        height: 24px;
        stroke: var(--blue);
        fill: none;
        stroke-width: 1.8;
      }
      .type-card h3 {
        font-family: var(--serif);
        font-size: 21px;
        font-weight: 600;
        color: var(--ink);
        margin-bottom: 10px;
      }
      .type-card p {
        font-size: 13.5px;
        color: var(--slate);
        line-height: 1.7;
        font-weight: 300;
        margin-bottom: 18px;
      }
      .tc-tag {
        display: inline-flex;
        align-items: center;
        gap: 6px;
        font-size: 11px;
        font-weight: 600;
        letter-spacing: 0.5px;
        color: var(--blue);
        background: var(--blue-lt);
        padding: 4px 10px;
        border-radius: 20px;
      }
      .tc-tag svg {
        width: 11px;
        height: 11px;
        stroke: var(--blue);
        fill: none;
        stroke-width: 2.5;
      }

      /* ══ HOW IT WORKS ══════════════════════════════════ */
      #how {
        background: var(--navy);
      }
      .steps {
        display: grid;
        grid-template-columns: repeat(5, 1fr);
        gap: 0;
        margin-top: 56px;
        position: relative;
      }
      .steps::before {
        content: '';
        position: absolute;
        top: 28px;
        left: 10%;
        right: 10%;
        height: 1px;
        background: rgba(201, 169, 110, 0.12);
        z-index: 0;
      }
      .step {
        text-align: center;
        position: relative;
        z-index: 1;
        padding: 0 10px;
      }
      .step-ring {
        width: 56px;
        height: 56px;
        border-radius: 50%;
        margin: 0 auto 20px;
        display: flex;
        align-items: center;
        justify-content: center;
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(255, 255, 255, 0.1);
        transition: all 0.2s;
      }
      .step:hover .step-ring {
        background: rgba(26, 74, 122, 0.2);
        border-color: rgba(26, 74, 122, 0.4);
      }
      .step.active .step-ring {
        background: var(--blue);
        border-color: var(--blue);
      }
      .step-ring svg {
        width: 22px;
        height: 22px;
        stroke: rgba(255, 255, 255, 0.4);
        fill: none;
        stroke-width: 1.8;
      }
      .step.active .step-ring svg {
        stroke: var(--white);
      }
      .step h4 {
        font-family: var(--serif);
        font-size: 15px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 7px;
      }
      .step p {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.36);
        line-height: 1.6;
        font-weight: 300;
      }

      /* ══ PAYMENT PLANNER ═══════════════════════════════ */
      #planner {
        background: var(--cream);
      }
      .planner-layout {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 48px;
        align-items: start;
        margin-top: 52px;
      }
      .planner-form {
        background: var(--white);
        border: 1px solid var(--fog);
        border-radius: var(--r20);
        padding: 36px;
      }
      .planner-form h3 {
        font-family: var(--serif);
        font-size: 22px;
        font-weight: 600;
        color: var(--ink);
        margin-bottom: 6px;
      }
      .planner-form p {
        font-size: 13px;
        color: var(--slate);
        margin-bottom: 26px;
        font-weight: 300;
      }
      .pf-row {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 14px;
      }
      .pf-group {
        margin-bottom: 16px;
      }
      .pf-group label {
        display: block;
        font-size: 10.5px;
        letter-spacing: 1px;
        text-transform: uppercase;
        color: var(--ghost);
        font-weight: 600;
        margin-bottom: 5px;
      }
      .pf-input {
        width: 100%;
        padding: 11px 13px;
        background: var(--smoke);
        border: 1px solid var(--fog);
        border-radius: var(--r6);
        color: var(--ink);
        font-size: 13.5px;
        outline: none;
        transition: border-color 0.15s;
        appearance: none;
      }
      .pf-input:focus {
        border-color: rgba(26, 74, 122, 0.4);
        background: var(--white);
      }
      .pf-input-wrap {
        position: relative;
      }
      .pf-prefix {
        position: absolute;
        left: 12px;
        top: 50%;
        transform: translateY(-50%);
        font-size: 13px;
        color: var(--slate);
        pointer-events: none;
      }
      .pf-input.prefixed {
        padding-left: 26px;
      }
      .btn-calc {
        width: 100%;
        background: var(--blue);
        color: var(--white);
        padding: 13px;
        border-radius: var(--r10);
        font-size: 14px;
        font-weight: 600;
        letter-spacing: 0.3px;
        transition: all 0.15s;
        margin-top: 4px;
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 8px;
      }
      .btn-calc:hover {
        background: var(--blue2);
      }
      .btn-calc svg {
        width: 16px;
        height: 16px;
        stroke: var(--white);
        fill: none;
        stroke-width: 2;
      }
      /* Results panel */
      .planner-results {
        display: flex;
        flex-direction: column;
        gap: 16px;
      }
      .result-card {
        background: var(--white);
        border: 1px solid var(--fog);
        border-radius: var(--r14);
        padding: 24px 26px;
      }
      .result-card.featured {
        border-color: var(--blue);
        background: var(--mist);
      }
      .rc-label {
        font-size: 11px;
        letter-spacing: 1px;
        text-transform: uppercase;
        color: var(--ghost);
        font-weight: 600;
        margin-bottom: 6px;
      }
      .rc-val {
        font-family: var(--serif);
        font-size: 36px;
        font-weight: 700;
        color: var(--ink);
        line-height: 1;
      }
      .rc-val.blue {
        color: var(--blue);
      }
      .rc-sub {
        font-size: 12px;
        color: var(--slate);
        margin-top: 4px;
        font-weight: 300;
      }
      .result-breakdown {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
      }
      .rb-item {
        background: var(--smoke);
        border-radius: var(--r10);
        padding: 14px 16px;
      }
      .rb-lbl {
        font-size: 11px;
        color: var(--ghost);
        margin-bottom: 4px;
      }
      .rb-val {
        font-size: 16px;
        font-weight: 600;
        color: var(--ink);
      }
      .planner-note {
        font-size: 11px;
        color: var(--ghost);
        line-height: 1.6;
        padding: 12px 16px;
        background: var(--warn-lt);
        border-radius: var(--r10);
        border-left: 3px solid var(--warn);
      }

      /* ══ ELIGIBILITY ═══════════════════════════════════ */
      #eligibility {
        background: var(--navy);
      }
      .elig-grid {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 64px;
        align-items: center;
        margin-top: 0;
      }
      .elig-checks {
        display: flex;
        flex-direction: column;
        gap: 14px;
        margin-top: 40px;
      }
      .elig-item {
        display: flex;
        align-items: flex-start;
        gap: 14px;
        padding: 18px 20px;
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(255, 255, 255, 0.08);
        border-radius: var(--r14);
        transition: all 0.2s;
      }
      .elig-item:hover {
        background: rgba(26, 74, 122, 0.1);
        border-color: rgba(26, 74, 122, 0.25);
      }
      .elig-ico {
        width: 38px;
        height: 38px;
        background: rgba(26, 74, 122, 0.2);
        border-radius: 10px;
        display: flex;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
      }
      .elig-ico svg {
        width: 18px;
        height: 18px;
        stroke: var(--gold);
        fill: none;
        stroke-width: 2;
      }
      .elig-title {
        font-size: 14px;
        font-weight: 500;
        color: var(--white);
        margin-bottom: 3px;
      }
      .elig-desc {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.42);
        line-height: 1.5;
        font-weight: 300;
      }
      /* Stats panel */
      .elig-stats {
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(201, 169, 110, 0.15);
        border-radius: var(--r20);
        padding: 36px;
      }
      .es-title {
        font-family: var(--serif);
        font-size: 20px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 6px;
      }
      .es-sub {
        font-size: 13px;
        color: rgba(255, 255, 255, 0.38);
        font-weight: 300;
        margin-bottom: 28px;
      }
      .es-row {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 20px;
        margin-bottom: 24px;
      }
      .es-stat .en {
        font-family: var(--serif);
        font-size: 38px;
        font-weight: 700;
        color: var(--gold);
        line-height: 1;
        margin-bottom: 4px;
      }
      .es-stat .el {
        font-size: 11px;
        color: rgba(255, 255, 255, 0.38);
        letter-spacing: 0.3px;
      }
      .es-divider {
        height: 1px;
        background: rgba(255, 255, 255, 0.07);
        margin: 24px 0;
      }
      .es-bar-row {
        margin-bottom: 14px;
      }
      .es-bar-lbl {
        display: flex;
        justify-content: space-between;
        margin-bottom: 6px;
      }
      .es-bar-lbl span {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.45);
      }
      .es-bar-lbl strong {
        font-size: 12px;
        color: var(--gold);
        font-weight: 500;
      }
      .es-bar-track {
        height: 4px;
        background: rgba(255, 255, 255, 0.08);
        border-radius: 2px;
        overflow: hidden;
      }
      .es-bar-fill {
        height: 100%;
        background: linear-gradient(90deg, var(--blue), var(--gold));
        border-radius: 2px;
        transition: width 1s ease;
      }
      .es-badge {
        display: flex;
        align-items: center;
        gap: 10px;
        margin-top: 22px;
      }
      .es-badge-ico {
        width: 32px;
        height: 32px;
        background: rgba(201, 169, 110, 0.15);
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
      }
      .es-badge-ico svg {
        width: 15px;
        height: 15px;
        stroke: var(--gold);
        fill: none;
        stroke-width: 2;
      }
      .es-badge-txt {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.38);
        line-height: 1.5;
      }

      /* ══ LOAN PRODUCTS ═════════════════════════════════ */
      #products {
        background: var(--white);
      }
      .products-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 20px;
        margin-top: 52px;
      }
      .prod-card {
        background: var(--cream);
        border: 1px solid var(--fog);
        border-radius: var(--r20);
        overflow: hidden;
        transition: all 0.22s;
      }
      .prod-card:hover {
        transform: translateY(-4px);
        box-shadow: var(--sh-md);
        border-color: rgba(26, 74, 122, 0.2);
      }
      .prod-card.featured {
        border-color: var(--blue);
        background: var(--mist);
      }
      .prod-head {
        padding: 28px 26px 20px;
        border-bottom: 1px solid var(--fog);
        position: relative;
      }
      .prod-feat-badge {
        position: absolute;
        top: 0;
        right: 0;
        background: var(--blue);
        color: var(--white);
        font-size: 10px;
        font-weight: 700;
        letter-spacing: 0.5px;
        text-transform: uppercase;
        padding: 6px 14px;
        border-radius: 0 var(--r20) 0 var(--r10);
      }
      .prod-type {
        font-size: 11px;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        font-weight: 600;
        color: var(--blue);
        margin-bottom: 10px;
      }
      .prod-rate {
        font-family: var(--serif);
        font-size: 42px;
        font-weight: 700;
        color: var(--ink);
        line-height: 1;
      }
      .prod-rate sup {
        font-size: 20px;
        font-weight: 500;
        vertical-align: super;
      }
      .prod-rate-lbl {
        font-size: 11px;
        color: var(--ghost);
        margin-top: 4px;
      }
      .prod-body {
        padding: 20px 26px 26px;
      }
      .prod-desc {
        font-size: 13px;
        color: var(--slate);
        line-height: 1.6;
        font-weight: 300;
        margin-bottom: 18px;
        min-height: 48px;
      }
      .prod-list {
        display: flex;
        flex-direction: column;
        gap: 9px;
        margin-bottom: 22px;
      }
      .pl-item {
        display: flex;
        align-items: flex-start;
        gap: 8px;
        font-size: 13px;
        color: var(--ink);
      }
      .pl-item svg {
        width: 14px;
        height: 14px;
        stroke: var(--ok);
        fill: none;
        stroke-width: 2.5;
        flex-shrink: 0;
        margin-top: 1px;
      }
      .btn-prod {
        width: 100%;
        padding: 12px;
        border-radius: var(--r10);
        font-size: 13.5px;
        font-weight: 600;
        letter-spacing: 0.3px;
        transition: all 0.15s;
      }
      .btn-prod.primary {
        background: var(--blue);
        color: var(--white);
      }
      .btn-prod.primary:hover {
        background: var(--blue2);
      }
      .btn-prod.outline {
        background: transparent;
        color: var(--blue);
        border: 1px solid rgba(26, 74, 122, 0.3);
      }
      .btn-prod.outline:hover {
        background: var(--blue-lt);
      }

      /* ══ FULL APPLICATION FORM ═════════════════════════ */
      #application {
        background: var(--cream);
      }
      .app-layout {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 48px;
        align-items: start;
        margin-top: 52px;
      }
      .app-form {
        background: var(--white);
        border: 1px solid var(--fog);
        border-radius: var(--r20);
        padding: 36px;
      }
      .app-form h3 {
        font-family: var(--serif);
        font-size: 22px;
        font-weight: 600;
        color: var(--ink);
        margin-bottom: 6px;
      }
      .app-form > p {
        font-size: 13px;
        color: var(--slate);
        font-weight: 300;
        margin-bottom: 28px;
      }
      .fg {
        margin-bottom: 15px;
      }
      .fg label {
        display: block;
        font-size: 10.5px;
        letter-spacing: 0.8px;
        text-transform: uppercase;
        color: var(--ghost);
        font-weight: 600;
        margin-bottom: 5px;
      }
      .fi {
        width: 100%;
        padding: 11px 13px;
        background: var(--smoke);
        border: 1px solid var(--fog);
        border-radius: var(--r6);
        color: var(--ink);
        font-size: 13.5px;
        outline: none;
        transition: border-color 0.15s;
        appearance: none;
      }
      .fi:focus {
        border-color: rgba(26, 74, 122, 0.4);
        background: var(--white);
      }
      .frow {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
      }
      .fi-sel {
        background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6' fill='none' stroke='%239AAABB' stroke-width='1.5'/%3E%3C/svg%3E");
        background-repeat: no-repeat;
        background-position: right 11px center;
      }
      .btn-submit-app {
        width: 100%;
        background: var(--blue);
        color: var(--white);
        padding: 14px;
        border: none;
        border-radius: var(--r10);
        font-size: 14px;
        font-weight: 600;
        letter-spacing: 0.3px;
        transition: background 0.15s;
        margin-top: 6px;
      }
      .btn-submit-app:hover {
        background: var(--blue2);
      }
      .app-note {
        font-size: 11px;
        color: var(--ghost);
        text-align: center;
        margin-top: 10px;
        line-height: 1.6;
      }
      /* Right side — why apply */
      .app-info {
        display: flex;
        flex-direction: column;
        gap: 16px;
      }
      .ai-card {
        background: var(--white);
        border: 1px solid var(--fog);
        border-radius: var(--r14);
        padding: 22px 24px;
        display: flex;
        align-items: flex-start;
        gap: 16px;
        transition: all 0.2s;
      }
      .ai-card:hover {
        border-color: rgba(26, 74, 122, 0.2);
        box-shadow: var(--sh);
      }
      .ai-ico {
        width: 44px;
        height: 44px;
        background: var(--blue-lt);
        border-radius: 11px;
        display: flex;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
      }
      .ai-ico svg {
        width: 22px;
        height: 22px;
        stroke: var(--blue);
        fill: none;
        stroke-width: 1.8;
      }
      .ai-title {
        font-family: var(--serif);
        font-size: 17px;
        font-weight: 600;
        color: var(--ink);
        margin-bottom: 5px;
      }
      .ai-desc {
        font-size: 13px;
        color: var(--slate);
        line-height: 1.6;
        font-weight: 300;
      }
      .partner-strip {
        background: var(--smoke);
        border-radius: var(--r14);
        padding: 20px 22px;
      }
      .ps-label {
        font-size: 10px;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        color: var(--ghost);
        font-weight: 600;
        margin-bottom: 14px;
      }
      .ps-logos {
        display: flex;
        gap: 16px;
        flex-wrap: wrap;
      }
      .ps-logo {
        padding: 8px 14px;
        background: var(--white);
        border: 1px solid var(--fog);
        border-radius: var(--r6);
        font-size: 12px;
        font-weight: 600;
        color: var(--slate);
      }

      /* ══ FAQ ══════════════════════════════════════════ */
      #faq {
        background: var(--white);
        padding: 88px 40px;
      }
      .faq-layout {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 48px;
      }
      .faq-list {
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .faq-item {
        background: var(--cream);
        border: 1px solid var(--fog);
        border-radius: var(--r10);
        overflow: hidden;
      }
      .faq-q {
        padding: 18px 20px;
        font-size: 14px;
        font-weight: 500;
        color: var(--ink);
        cursor: pointer;
        display: flex;
        justify-content: space-between;
        align-items: center;
        gap: 12px;
        transition: background 0.15s;
      }
      .faq-q:hover {
        background: var(--smoke);
      }
      .faq-q svg {
        width: 16px;
        height: 16px;
        stroke: var(--ghost);
        fill: none;
        stroke-width: 2;
        flex-shrink: 0;
        transition: transform 0.2s;
      }
      .faq-item.open .faq-q svg {
        transform: rotate(180deg);
        stroke: var(--blue);
      }
      .faq-item.open .faq-q {
        color: var(--blue);
      }
      .faq-a {
        display: none;
        padding: 0 20px 18px;
        font-size: 13px;
        color: var(--slate);
        line-height: 1.7;
        font-weight: 300;
      }
      .faq-item.open .faq-a {
        display: block;
      }
      .faq-contact {
        background: var(--blue);
        border-radius: var(--r20);
        padding: 34px 28px;
      }
      .faq-contact h3 {
        font-family: var(--serif);
        font-size: 26px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 10px;
      }
      .faq-contact p {
        font-size: 14px;
        color: rgba(255, 255, 255, 0.5);
        font-weight: 300;
        margin-bottom: 26px;
        line-height: 1.7;
      }
      .co-opts {
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .co-opt {
        display: flex;
        align-items: center;
        gap: 12px;
        padding: 13px 15px;
        background: rgba(255, 255, 255, 0.08);
        border-radius: var(--r10);
        cursor: pointer;
        transition: background 0.15s;
      }
      .co-opt:hover {
        background: rgba(255, 255, 255, 0.15);
      }
      .co-ico {
        width: 36px;
        height: 36px;
        background: rgba(201, 169, 110, 0.2);
        border-radius: 9px;
        display: flex;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
      }
      .co-ico svg {
        width: 17px;
        height: 17px;
        stroke: var(--gold);
        fill: none;
        stroke-width: 2;
      }
      .co-label {
        font-size: 13px;
        font-weight: 500;
        color: var(--white);
      }
      .co-sub {
        font-size: 11px;
        color: rgba(255, 255, 255, 0.4);
      }

      /* ══ CTA BAND ══════════════════════════════════════ */
      #cta-band {
        background: var(--mocha);
        padding: 72px 40px;
        text-align: center;
      }
      .ctab-inner {
        max-width: 600px;
        margin: 0 auto;
      }
      .ctab-inner h2 {
        font-family: var(--serif);
        font-size: 40px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 14px;
      }
      .ctab-inner p {
        font-size: 15px;
        color: rgba(255, 255, 255, 0.55);
        font-weight: 300;
        margin-bottom: 36px;
        line-height: 1.7;
      }
      .ctab-btns {
        display: flex;
        justify-content: center;
        gap: 14px;
        flex-wrap: wrap;
      }
      .btn-cta-w {
        background: var(--white);
        color: var(--mocha);
        padding: 14px 32px;
        border-radius: var(--r6);
        font-size: 14px;
        font-weight: 600;
        transition: all 0.15s;
        display: inline-flex;
        align-items: center;
        gap: 8px;
      }
      .btn-cta-w:hover {
        background: var(--cream);
        transform: translateY(-2px);
      }
      .btn-cta-w svg {
        width: 16px;
        height: 16px;
        stroke: var(--mocha);
        fill: none;
        stroke-width: 2;
      }
      .btn-cta-ow {
        background: transparent;
        color: rgba(255, 255, 255, 0.8);
        padding: 13px 28px;
        border-radius: var(--r6);
        font-size: 14px;
        border: 1px solid rgba(255, 255, 255, 0.25);
        transition: all 0.15s;
        display: inline-flex;
        align-items: center;
        gap: 8px;
      }
      .btn-cta-ow:hover {
        border-color: rgba(255, 255, 255, 0.6);
        color: var(--white);
      }
      .btn-cta-ow svg {
        width: 16px;
        height: 16px;
        stroke: currentColor;
        fill: none;
        stroke-width: 2;
      }
      .ctab-trust {
        display: flex;
        justify-content: center;
        gap: 28px;
        margin-top: 28px;
        flex-wrap: wrap;
      }
      .ct-item {
        display: flex;
        align-items: center;
        gap: 6px;
        font-size: 12px;
        color: rgba(255, 255, 255, 0.4);
      }
      .ct-item svg {
        width: 13px;
        height: 13px;
        stroke: var(--gold);
        fill: none;
        stroke-width: 2;
      }

      /* ══ NEWSLETTER ════════════════════════════════════ */
      #newsletter {
        background: var(--navy);
        padding: 64px 40px;
        text-align: center;
      }
      .nl-inner {
        max-width: 520px;
        margin: 0 auto;
      }
      .nl-inner h2 {
        font-family: var(--serif);
        font-size: 36px;
        font-weight: 600;
        color: var(--white);
        margin-bottom: 10px;
      }
      .nl-inner p {
        font-size: 14px;
        color: rgba(255, 255, 255, 0.4);
        font-weight: 300;
        margin-bottom: 28px;
      }
      .nl-form {
        display: flex;
        gap: 10px;
      }
      .nl-input {
        flex: 1;
        padding: 12px 16px;
        background: rgba(255, 255, 255, 0.08);
        border: 1px solid rgba(255, 255, 255, 0.14);
        border-radius: var(--r6);
        color: var(--white);
        font-family: var(--sans);
        font-size: 14px;
        outline: none;
      }
      .nl-input::placeholder {
        color: rgba(255, 255, 255, 0.3);
      }
      .nl-input:focus {
        border-color: rgba(26, 74, 122, 0.5);
      }
      .btn-nl {
        background: var(--blue);
        color: var(--white);
        padding: 12px 24px;
        border-radius: var(--r6);
        font-size: 14px;
        font-weight: 600;
        white-space: nowrap;
        transition: all 0.15s;
      }
      .btn-nl:hover {
        background: var(--blue2);
      }

      /* ─── FOOTER ──────────────────────────────────────────────── */
      footer {
        background: var(--navy);
        padding: 72px 5% 0;
        border-top: 1px solid rgba(201, 169, 110, 0.12);
      }
      .footer-inner {
        max-width: 1240px;
        margin: 0 auto;
      }
      .footer-top {
        display: grid;
        grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
        gap: 48px;
        padding-bottom: 56px;
        border-bottom: 1px solid rgba(255, 255, 255, 0.06);
      }
      .footer-brand p {
        font-size: 14px;
        color: rgba(255, 255, 255, 0.4);
        line-height: 1.75;
        margin-top: 16px;
        font-weight: 300;
        max-width: 260px;
      }
      .footer-social {
        display: flex;
        gap: 10px;
        margin-top: 24px;
      }
      .social-btn {
        width: 36px;
        height: 36px;
        border: 1px solid rgba(255, 255, 255, 0.12);
        border-radius: 8px;
        display: flex;
        align-items: center;
        justify-content: center;
        color: rgba(255, 255, 255, 0.4);
        transition: all 0.15s;
        cursor: pointer;
      }
      .social-btn:hover {
        border-color: var(--gold);
        color: var(--gold);
      }
      .social-btn svg {
        width: 15px;
        height: 15px;
        stroke: currentColor;
        fill: none;
        stroke-width: 2;
      }
      .footer-col h5 {
        font-size: 11px;
        letter-spacing: 1.8px;
        text-transform: uppercase;
        color: rgba(255, 255, 255, 0.25);
        font-weight: 500;
        margin-bottom: 20px;
      }
      .footer-col a {
        display: block;
        font-size: 13px;
        color: rgba(255, 255, 255, 0.45);
        margin-bottom: 11px;
        transition: color 0.15s;
        font-weight: 300;
      }
      .footer-col a:hover {
        color: rgba(255, 255, 255, 0.85);
      }
      .footer-bottom {
        padding: 24px 0;
        display: flex;
        align-items: center;
        justify-content: space-between;
        flex-wrap: wrap;
        gap: 12px;
      }
      .footer-bottom p {
        font-size: 12px;
        color: rgba(255, 255, 255, 0.25);
      }
      .footer-reg {
        font-size: 11px;
        color: rgba(255, 255, 255, 0.2);
      }
      .footer-badges {
        display: flex;
        gap: 8px;
      }
      .fbadge {
        padding: 4px 10px;
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(255, 255, 255, 0.08);
        border-radius: 5px;
        font-size: 10px;
        color: rgba(255, 255, 255, 0.3);
        letter-spacing: 0.5px;
      }

      /* ══ MODAL ════════════════════════════════════════ */
      .modal-ov {
        position: fixed;
        inset: 0;
        z-index: 500;
        background: rgba(13, 27, 46, 0.65);
        backdrop-filter: blur(4px);
        display: none;
        align-items: center;
        justify-content: center;
        padding: 20px;
      }
      .modal-ov.open {
        display: flex;
      }
      .modal {
        background: var(--white);
        border-radius: var(--r20);
        padding: 36px;
        width: 100%;
        max-width: 480px;
        max-height: 90vh;
        overflow-y: auto;
        position: relative;
      }
      .modal-x {
        position: absolute;
        top: 16px;
        right: 16px;
        width: 30px;
        height: 30px;
        background: var(--smoke);
        border: none;
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        cursor: pointer;
      }
      .modal-x svg {
        width: 13px;
        height: 13px;
        stroke: var(--slate);
        fill: none;
        stroke-width: 2;
      }
      .modal h3 {
        font-family: var(--serif);
        font-size: 24px;
        font-weight: 600;
        color: var(--ink);
        margin-bottom: 6px;
      }
      .modal > p {
        font-size: 13px;
        color: var(--slate);
        margin-bottom: 22px;
      }
      .btn-modal-sub {
        width: 100%;
        background: var(--blue);
        color: var(--white);
        padding: 13px;
        border: none;
        border-radius: var(--r10);
        font-size: 14px;
        font-weight: 600;
        letter-spacing: 0.3px;
        transition: background 0.15s;
        margin-top: 6px;
      }
      .btn-modal-sub:hover {
        background: var(--blue2);
      }
      .modal-note {
        font-size: 11px;
        color: var(--ghost);
        text-align: center;
        margin-top: 10px;
        line-height: 1.6;
      }

      /* ══ RESPONSIVE ═══════════════════════════════════ */
      @media (max-width: 1100px) {
        #hero {
          grid-template-columns: 1fr;
          gap: 48px;
          padding: 100px 5% 64px;
        }
        #hero::after {
          width: 100%;
          opacity: 0.2;
        }
        .types-grid {
          grid-template-columns: 1fr 1fr;
        }
        .steps {
          grid-template-columns: 1fr 1fr 1fr;
        }
        .steps::before {
          display: none;
        }
        .planner-layout,
        .elig-grid,
        .app-layout {
          grid-template-columns: 1fr;
        }
        .products-grid {
          grid-template-columns: 1fr 1fr;
        }
        .faq-layout {
          grid-template-columns: 1fr;
        }
        .ft-top {
          grid-template-columns: 1fr 1fr 1fr;
        }
        .ft-brand {
          grid-column: span 3;
        }
      }
      @media (max-width: 768px) {
        .nav-links {
          display: none;
        }
        #nav {
          padding: 0 20px;
        }
        .types-grid,
        .products-grid {
          grid-template-columns: 1fr;
        }
        .steps {
          grid-template-columns: 1fr 1fr;
        }
        .section,
        #faq,
        #cta-band,
        #newsletter {
          padding: 60px 20px;
        }
        #how {
          padding: 60px 20px;
        }
        .nl-form {
          flex-direction: column;
        }
        footer,
        .bc-strip {
          padding-left: 20px;
          padding-right: 20px;
        }
        .ft-top {
          grid-template-columns: 1fr 1fr;
          gap: 24px;
        }
        .ft-brand {
          grid-column: span 2;
        }
        .pf-row,
        .frow,
        .arow {
          grid-template-columns: 1fr;
        }
      }