/* ============================================================
   DTL Financial Services — styles.css
   ============================================================ */

:root {
  --blue: #1F2937;
  --green: #B8860B;
  --orange: #F5A623;
  --bg: #F4F7FB;
  --bg-2: #FFFFFF;
  --text: #1F2937;
  --muted: #5C6B7A;
  --card: #FFFFFF;
  --card-brd: rgba(20, 35, 58, 0.10);
  --radius: 16px;
  --shadow: 0 20px 50px -22px rgba(20, 35, 58, 0.16);
  --grad-orange: linear-gradient(135deg, #F5A623, #f97316);
  --grad-bluegreen: linear-gradient(135deg, var(--blue), var(--green));
}

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

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: 'Open Sans', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, .brand-name { font-family: 'Open Sans', sans-serif; line-height: 1.15; }

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container { width: min(1200px, 92%); margin-inline: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .85rem 1.6rem; border-radius: 50px; font-weight: 600; font-size: .95rem;
  cursor: pointer; border: none; transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
  white-space: nowrap;
}
.btn-block { width: 100%; }

.btn-glow {
  background: linear-gradient(135deg, #B8860B, #9A6E08); color: #2a1f06;
  box-shadow: 0 8px 24px -6px rgba(184, 134, 11, .6);
}
.btn-glow:hover { transform: translateY(-3px); box-shadow: 0 14px 34px -6px rgba(184, 134, 11, .85); }

/* Apply Now CTA — brand black */
.btn-apply {
  background: #1F2937; color: #fff;
  box-shadow: 0 8px 24px -6px rgba(31, 41, 55, .4);
}
.btn-apply:hover { box-shadow: 0 14px 34px -6px rgba(31, 41, 55, .6); }

.btn-ghost {
  background: rgba(20, 35, 58, .04); color: var(--text);
  border: 1px solid var(--card-brd); backdrop-filter: blur(8px);
}
.btn-ghost:hover { transform: translateY(-3px); border-color: var(--blue); box-shadow: 0 0 22px -4px rgba(184, 134, 11, .5); }

/* ---------- Glass card ---------- */
.glass-card {
  background: var(--card);
  border: 1px solid var(--card-brd);
  border-radius: var(--radius);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: var(--shadow);
}

/* ---------- Navbar ---------- */
.navbar {
  position: fixed; inset: 0 0 auto 0; z-index: 100;
  padding: 1.1rem 0; transition: background .35s ease, padding .35s ease, box-shadow .35s ease;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--card-brd);
}
.navbar.scrolled {
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(16px);
  box-shadow: 0 8px 30px -14px rgba(20, 35, 58, .16);
  padding: .65rem 0;
  border-bottom: 1px solid var(--card-brd);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }

.brand { display: inline-flex; align-items: center; gap: .65rem; }
.brand-logo {
  height: 98px; width: auto; display: block;
  transition: transform .3s ease;
}
.brand:hover .brand-logo { transform: scale(1.04); }
.navbar.scrolled .brand-logo { height: 80px; }
.brand-logo-footer { height: 100px; }

.nav-links { display: flex; gap: .12rem; }
.nav-links a {
  font-size: .88rem; font-weight: 500; color: var(--text);
  padding: .4rem .62rem; border-radius: 9px;
  position: relative; opacity: .85; white-space: nowrap;
  transition: opacity .2s, background .2s ease, color .2s ease;
}
.nav-links a:hover { opacity: 1; background: rgba(184, 134, 11, .12); }

.nav-actions { display: flex; align-items: center; gap: .8rem; }
.nav-cta { display: none; } /* shown only inside the mobile slide-out menu */

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--text); border-radius: 2px; transition: .3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero full-width slider ---------- */
.hero-slider {
  position: relative; width: 100%;
  aspect-ratio: 1712 / 919; height: auto;   /* match banner ratio so the full image shows (no top crop) */
  min-height: 0; max-height: none;
  margin-top: 132px;                          /* clear the fixed navbar */
  overflow: hidden; background: var(--bg);
}
.hero-track { display: flex; height: 100%; transition: transform .8s cubic-bezier(.65, 0, .35, 1); }

.hero-slide {
  position: relative; flex: 0 0 100%; height: 100%;
  display: flex; align-items: center;
  /* Branded gradient fallback shows until --img loads */
  background:
    var(--img, none),
    radial-gradient(1100px 600px at 78% 20%, rgba(184, 134, 11, .22), transparent 60%),
    radial-gradient(900px 500px at 12% 100%, rgba(184, 134, 11, .18), transparent 60%),
    linear-gradient(160deg, #F4F7FB, #FFFFFF 55%, #F4F7FB);
  background-size: cover, auto, auto, auto;
  /* push image to the right so its baked-in left logo is cropped off-screen */
  background-position: right center;
  background-repeat: no-repeat;
}
/* Full pre-designed banner slide — show whole image, no overlay */
.hero-slide-img { background-position: center center; }
.hero-slide-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(90deg, rgba(255, 255, 255, .98) 0%, rgba(255, 255, 255, .96) 30%, rgba(255, 255, 255, .7) 55%, rgba(255, 255, 255, .25) 80%, rgba(255, 255, 255, .1) 100%);
}
.hero-slide-content { position: relative; z-index: 2; max-width: 560px; margin-right: auto; padding-top: 56px; }

/* Entrance animation for the active slide's text */
.hero-slide-content > * { opacity: 0; transform: translateY(26px); }
.hero-slide.active .hero-slide-content > * { animation: heroUp .7s ease forwards; }
.hero-slide.active .hero-slide-content > *:nth-child(1) { animation-delay: .15s; }
.hero-slide.active .hero-slide-content > *:nth-child(2) { animation-delay: .30s; }
.hero-slide.active .hero-slide-content > *:nth-child(3) { animation-delay: .45s; }
.hero-slide.active .hero-slide-content > *:nth-child(4) { animation-delay: .60s; }
@keyframes heroUp { to { opacity: 1; transform: none; } }

.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 600; color: var(--green);
  background: rgba(184, 134, 11, .10); border: 1px solid rgba(184, 134, 11, .3);
  padding: .4rem .9rem; border-radius: 50px; margin-bottom: 1.3rem;
}
.hero-title { font-size: clamp(2.1rem, 4.7vw, 3.6rem); font-weight: 800; margin-bottom: 1.1rem; }
.hero-title-sm { font-size: 1rem; line-height: 1.5; }
.text-glow {
  background: var(--grad-bluegreen); -webkit-background-clip: text; background-clip: text; color: transparent;
  text-shadow: 0 0 38px rgba(184, 134, 11, .35);
}
.text-dark-word { color: var(--muted); }
.hl-blue { color: var(--blue); text-shadow: 0 0 34px rgba(184, 134, 11, .45); }
.hl-green { color: var(--green); text-shadow: 0 0 34px rgba(184, 134, 11, .45); }
.hero-slide-logo { height: 66px; width: auto; display: block; margin-bottom: 1.7rem; filter: drop-shadow(0 4px 16px rgba(20, 35, 58, .5)); }
.hero-text { font-size: 1.08rem; color: #5C6B7A; max-width: 520px; margin-bottom: 1.8rem; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Arrows */
.hero-arrow {
  display: none;   /* left/right arrows hidden — slider uses dots + auto-rotate */
  position: absolute; top: 50%; transform: translateY(-50%); z-index: 5;
  width: 52px; height: 52px; border-radius: 50%; cursor: pointer;
  background: rgba(255, 255, 255, .5); border: 1px solid var(--card-brd);
  color: var(--text); font-size: 1.7rem; line-height: 1;
  backdrop-filter: blur(8px); transition: .25s; place-items: center;
}
.hero-arrow:hover { background: var(--grad-bluegreen); color: #fff; border-color: transparent; box-shadow: 0 0 22px -4px rgba(184, 134, 11, .7); }
.hero-prev { left: 22px; } .hero-next { right: 22px; }

/* Dots */
.hero-dots { position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%); z-index: 5; display: flex; gap: .55rem; }
.hero-dots button { width: 11px; height: 11px; border-radius: 50%; border: none; padding: 0; cursor: pointer; background: rgba(255, 255, 255, .35); transition: .3s; }
.hero-dots button.active { width: 30px; border-radius: 50px; background: var(--grad-bluegreen); }

/* ---------- Sections ---------- */
.section { padding: 100px 0; position: relative; }
.section-alt { background: linear-gradient(180deg, #F4F7FB, #EDF3F9, #F4F7FB); }

.section-head { text-align: center; max-width: 640px; margin: 0 auto 3.2rem; }
.kicker { display: inline-block; font-size: .82rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--blue); margin-bottom: .8rem; }
.section-head h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 800; margin-bottom: .8rem; }
.section-head p { color: var(--muted); }

/* ---------- Loan grid ---------- */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.loan-card { padding: 1.8rem; position: relative; overflow: hidden; transition: transform .3s ease, border-color .3s ease, box-shadow .3s ease; }
.loan-card::before {
  content: ''; position: absolute; inset: 0; border-radius: var(--radius); padding: 1px; pointer-events: none;
  background: var(--grad-bluegreen); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; opacity: 0; transition: opacity .3s ease;
}
.loan-card:hover { transform: translateY(-8px); box-shadow: 0 26px 60px -22px rgba(184, 134, 11, .55); }
.loan-card:hover::before { opacity: 1; }
/* loan-card Apply Now: normal (outlined) by default, fills on hover — this section only */
.loan-card .btn-apply {
  background: transparent; color: var(--text);
  border: 1.5px solid var(--card-brd); box-shadow: none;
}
.loan-card .btn-apply:hover {
  background: #1F2937; color: #fff; border-color: transparent;
  box-shadow: 0 8px 24px -6px rgba(31, 41, 55, .4);
}

.loan-icon, .feature-icon, .step-icon {
  width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center;
  font-size: 1.6rem; margin-bottom: 1.1rem;
}
.icon-blue { background: rgba(184, 134, 11, .14); box-shadow: inset 0 0 0 1px rgba(184, 134, 11, .35), 0 0 22px -6px rgba(184, 134, 11, .5); }
.icon-green { background: rgba(184, 134, 11, .14); box-shadow: inset 0 0 0 1px rgba(184, 134, 11, .35), 0 0 22px -6px rgba(184, 134, 11, .5); }
.icon-orange { background: rgba(245, 166, 35, .14); box-shadow: inset 0 0 0 1px rgba(245, 166, 35, .35), 0 0 22px -6px rgba(245, 166, 35, .5); }

.loan-card h3 { font-size: 1.25rem; margin-bottom: .5rem; }
.loan-card p { color: var(--muted); font-size: .92rem; margin-bottom: 1.1rem; }
.loan-rate { display: inline-block; font-size: .82rem; font-weight: 600; color: var(--green); background: rgba(184, 134, 11, .1); padding: .3rem .8rem; border-radius: 50px; margin-bottom: 1.1rem; }
.loan-link { display: block; font-weight: 600; color: var(--blue); font-size: .92rem; transition: gap .2s; }
.loan-link:hover { color: var(--green); }

/* ---------- About ---------- */
.about-inner { display: grid; grid-template-columns: .95fr 1.05fr; gap: 3.5rem; align-items: center; }

/* Left image frame */
.about-visual { position: relative; }
.about-img-wrap {
  position: relative; aspect-ratio: 4 / 5; border-radius: 22px; overflow: hidden;
  border: 1px solid var(--card-brd);
  /* branded gradient shows until image loads / if missing */
  background:
    radial-gradient(120% 90% at 20% 0%, rgba(184, 134, 11, .35), transparent 55%),
    radial-gradient(120% 90% at 90% 100%, rgba(184, 134, 11, .30), transparent 55%),
    linear-gradient(160deg, #FFFFFF, #F4F7FB);
  box-shadow: 0 30px 70px -30px rgba(20, 35, 58, .16);
}
.about-img-wrap::after {
  content: ''; position: absolute; inset: 0; border-radius: 22px; padding: 1.5px;
  background: var(--grad-bluegreen);
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; opacity: .55; pointer-events: none;
}
.about-img { width: 100%; height: 100%; object-fit: cover; display: block; }
.about-img-tag {
  position: absolute; left: 16px; bottom: 16px; z-index: 2;
  font-size: .8rem; font-weight: 600; color: var(--text);
  background: rgba(255, 255, 255, .72); border: 1px solid var(--card-brd);
  padding: .45rem .9rem; border-radius: 50px; backdrop-filter: blur(8px);
}

/* Floating stat badge */
.about-badge {
  position: absolute; right: -18px; top: 28px; z-index: 3;
  display: flex; align-items: center; gap: .7rem; padding: 1rem 1.2rem;
}
.about-badge strong { font-family: 'Open Sans'; font-size: 2.2rem; font-weight: 800; line-height: 1; background: var(--grad-bluegreen); -webkit-background-clip: text; background-clip: text; color: transparent; }
.about-badge strong span { font-size: 1.3rem; }
.about-badge-label { font-size: .78rem; color: var(--muted); line-height: 1.25; }

/* Right copy */
.about-copy .kicker { color: var(--blue); }
.about-copy h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); font-weight: 800; margin-bottom: 1rem; }
.about-copy p { color: var(--muted); margin-bottom: 1rem; }
.about-features { list-style: none; display: grid; gap: .85rem; margin: 1.6rem 0 2rem; }
.about-features li { display: flex; align-items: center; gap: .8rem; color: var(--text); font-size: .95rem; font-weight: 500; }
.af-ico { width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; font-size: 1.05rem; flex: none; }
.about-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ---------- Features ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; margin-bottom: 3.5rem; }
.feature-card { padding: 1.8rem; transition: transform .3s ease, box-shadow .3s ease; }
.feature-card:hover { transform: translateY(-6px); box-shadow: 0 24px 50px -22px rgba(184, 134, 11, .5); }
.feature-card h3 { font-size: 1.15rem; margin-bottom: .5rem; }
.feature-card p { color: var(--muted); font-size: .9rem; }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.stat {
  position: relative; text-align: center; padding: 2.4rem 1.2rem 2rem;
  border-radius: var(--radius); overflow: hidden;
  background: linear-gradient(180deg, rgba(20, 35, 58, .04), rgba(20, 35, 58, .015));
  border: 1px solid var(--card-brd);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
/* top accent line */
.stat::before {
  content: ''; position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: 46%; height: 3px; border-radius: 0 0 4px 4px;
  background: var(--grad-bluegreen); opacity: .7; transition: width .3s ease, opacity .3s ease;
}
.stat:hover { transform: translateY(-8px); border-color: rgba(184, 134, 11, .4); box-shadow: 0 26px 55px -24px rgba(184, 134, 11, .55); }
.stat:hover::before { width: 70%; opacity: 1; }

.stat-icon {
  width: 56px; height: 56px; border-radius: 16px; margin: 0 auto 1rem;
  display: grid; place-items: center; font-size: 1.5rem;
}
.stat strong { display: block; font-family: 'Open Sans'; font-size: clamp(1.9rem, 3vw, 2.6rem); font-weight: 800; line-height: 1; margin-bottom: .5rem; background: var(--grad-bluegreen); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stat span { color: var(--muted); font-size: .92rem; font-weight: 500; }

/* ---------- How It Works — snake timeline ---------- */
.text-green-word { color: var(--green); text-shadow: 0 0 30px rgba(184, 134, 11, .4); }

.how-snake { position: relative; max-width: 1000px; margin: 0 auto; aspect-ratio: 1000 / 600; }
.snake-line { position: absolute; inset: 0; width: 100%; height: 100%; overflow: visible; }
.snake-base { fill: none; stroke: rgba(20, 35, 58, .12); stroke-width: 3; }
.snake-flow {
  fill: none; stroke: var(--green); stroke-width: 3.5; stroke-linecap: round;
  filter: drop-shadow(0 0 6px rgba(184, 134, 11, .6));
  stroke-dasharray: 2600; stroke-dashoffset: 2600;
}
.how-snake.in .snake-flow { animation: snakeDraw 2.6s ease forwards .2s; }
@keyframes snakeDraw { to { stroke-dashoffset: 0; } }

.snake-step { position: absolute; left: var(--x); top: var(--y); width: 0; height: 0; z-index: 2; }
.snake-dot {
  position: absolute; left: 0; top: 0; transform: translate(-50%, -50%);
  width: 66px; height: 66px; border-radius: 50%; display: grid; place-items: center;
  font-size: 1.6rem; background: #FFFFFF; border: 2px solid var(--green);
  box-shadow: 0 0 0 6px rgba(255, 255, 255, .9), 0 0 22px -2px rgba(184, 134, 11, .7);
}
.snake-step.step-right .snake-dot { border-color: var(--blue); box-shadow: 0 0 0 6px rgba(255, 255, 255, .9), 0 0 22px -2px rgba(184, 134, 11, .7); }

.snake-num {
  position: absolute; top: 50%; transform: translateY(-50%);
  font-family: 'Open Sans'; font-size: 3rem; font-weight: 800; line-height: 1;
  color: rgba(20, 35, 58, .07); z-index: -1; pointer-events: none;
}
.step-left .snake-num { right: 24px; }
.step-right .snake-num { left: 24px; }

.snake-info { position: absolute; top: 48px; width: 210px; }
.step-left .snake-info { right: 8px; text-align: right; }
.step-right .snake-info { left: 8px; text-align: left; }
.snake-info h3 { font-size: 1.15rem; margin-bottom: .3rem; }
.snake-info p { color: var(--muted); font-size: .85rem; line-height: 1.5; }

.how-cta { text-align: center; margin-top: 2.5rem; }

/* ---------- FAQ accordion ---------- */
.faq-list { max-width: 820px; margin: 0 auto; display: grid; gap: 1rem; }
.faq-item { border: 1px solid var(--card-brd); border-radius: 14px; background: var(--card); overflow: hidden; transition: border-color .3s ease, box-shadow .3s ease; }
.faq-item.open { border-color: rgba(184, 134, 11, .45); box-shadow: 0 16px 40px -22px rgba(184, 134, 11, .6); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 1.25rem 1.4rem; background: none; border: none; cursor: pointer;
  font-family: 'Open Sans', sans-serif; font-size: 1rem; font-weight: 600; color: var(--text); text-align: left;
}
.faq-ic {
  flex: none; width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center;
  font-size: 1.3rem; line-height: 1; color: var(--blue); background: rgba(184, 134, 11, .12);
  border: 1px solid rgba(184, 134, 11, .35); transition: transform .3s ease, background .3s ease, color .3s ease;
}
.faq-item.open .faq-ic { transform: rotate(45deg); color: #fff; background: var(--grad-bluegreen); border-color: transparent; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a p { padding: 0 1.4rem 1.3rem; color: var(--muted); font-size: .94rem; line-height: 1.7; }

/* ---------- Banking partners ---------- */
.partners { position: relative; padding: 90px 0; overflow: hidden; background: linear-gradient(180deg, #EAF1F8, #F4F7FB); }
.partners-glow { position: absolute; left: -8%; top: 10%; width: 380px; height: 380px; border-radius: 50%; background: rgba(184, 134, 11, .14); filter: blur(90px); pointer-events: none; }
.partners-inner { position: relative; z-index: 2; display: grid; grid-template-columns: .85fr 1.15fr; gap: 3rem; align-items: center; }
.partners-copy h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); font-weight: 800; margin-bottom: 1rem; }
.partners-copy p { color: var(--muted); margin-bottom: 1.6rem; max-width: 360px; }
.partners-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.partner-logo {
  display: grid; place-items: center; text-align: center; padding: 1.1rem .6rem; min-height: 76px;
  border-radius: 12px; background: #ffffff; border: 1px solid rgba(20, 35, 58, .12);
  font-family: 'Open Sans', sans-serif; font-weight: 800; font-size: 1.02rem; letter-spacing: .3px;
  color: var(--bc, #222); box-shadow: 0 8px 22px -12px rgba(20, 35, 58, .14);
  transition: transform .25s ease, box-shadow .25s ease;
}
.partner-logo b { font-weight: 800; color: #5a5a5a; }
.partner-logo:hover { transform: translateY(-5px); box-shadow: 0 18px 36px -16px rgba(184, 134, 11, .7); }

/* ---------- CTA banner ---------- */
.cta-banner { position: relative; padding: 90px 0; text-align: center; overflow: hidden; background: linear-gradient(135deg, #EAF1F8, #F4F7FB); }
.cta-glow { position: absolute; inset: 0; background: radial-gradient(600px 300px at 50% 0%, rgba(245, 166, 35, .18), transparent 70%), radial-gradient(700px 350px at 50% 120%, rgba(184, 134, 11, .18), transparent 70%); }
.cta-inner { position: relative; z-index: 2; }
.cta-inner h2 { font-size: clamp(1.8rem, 3.6vw, 2.7rem); font-weight: 800; margin-bottom: .8rem; }
.cta-inner p { color: var(--muted); margin-bottom: 1.8rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ---------- Active nav link ---------- */
.nav-links a.active {
  opacity: 1; color: #fff; font-weight: 700;
  background: var(--green);
  box-shadow: 0 6px 16px -5px rgba(184, 134, 11, .6);
}

/* ---------- Inner page text banner ---------- */
.page-hero {
  position: relative; padding: 150px 0 64px; text-align: center; overflow: hidden;
  background:
    radial-gradient(900px 480px at 80% 0%, rgba(184, 134, 11, .16), transparent 60%),
    radial-gradient(800px 420px at 10% 110%, rgba(184, 134, 11, .14), transparent 60%),
    linear-gradient(160deg, #F4F7FB, #FFFFFF 60%, #F4F7FB);
}
.page-hero-glow { position: absolute; top: 16%; right: 12%; width: 320px; height: 320px; border-radius: 50%; background: rgba(184, 134, 11, .22); filter: blur(90px); pointer-events: none; }
.page-hero-inner { position: relative; z-index: 2; max-width: 720px; margin: 0 auto; }
.page-hero h1 { font-size: clamp(2.1rem, 4.5vw, 3.3rem); font-weight: 800; margin: .5rem 0 1rem; }
.page-hero p { color: var(--muted); font-size: 1.05rem; max-width: 600px; margin: 0 auto 1.4rem; }

/* ---------- Loan products detail grid ---------- */
.lp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.6rem; }
.lp-card { display: flex; flex-direction: column; padding: 2rem; position: relative; overflow: hidden; transition: transform .3s ease, box-shadow .3s ease; }
.lp-card::before {
  content: ''; position: absolute; inset: 0; border-radius: var(--radius); padding: 1px; pointer-events: none;
  background: var(--grad-bluegreen); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; opacity: 0; transition: opacity .3s ease;
}
.lp-card:hover { transform: translateY(-8px); box-shadow: 0 28px 60px -24px rgba(184, 134, 11, .55); }
.lp-card:hover::before { opacity: 1; }
.lp-icon { width: 60px; height: 60px; border-radius: 16px; display: grid; place-items: center; font-size: 1.7rem; margin-bottom: 1.1rem; }
.lp-card h3 { font-size: 1.3rem; margin-bottom: .5rem; }
.lp-card > p { color: var(--muted); font-size: .92rem; margin-bottom: 1.1rem; }
.lp-rate { display: inline-block; align-self: flex-start; font-size: .82rem; font-weight: 600; color: var(--green); background: rgba(184, 134, 11, .1); border: 1px solid rgba(184, 134, 11, .25); padding: .3rem .8rem; border-radius: 50px; margin-bottom: 1.2rem; }
.lp-features { list-style: none; display: grid; gap: .6rem; margin-bottom: 1.5rem; }
.lp-features li { display: flex; gap: .55rem; color: var(--text); font-size: .9rem; }
.lp-features li::before { content: '✓'; color: var(--green); font-weight: 700; }
.lp-foot { margin-top: auto; display: flex; gap: .7rem; }
.lp-foot .btn { flex: 1; padding: .7rem 1rem; font-size: .9rem; }

/* ---------- Loan products — alternating rows ---------- */
.products-rows { display: grid; gap: 4rem; }
.product-row { display: flex; align-items: center; gap: 3.5rem; }
.product-row.reverse { flex-direction: row-reverse; }
.product-media, .product-text { flex: 1 1 0; min-width: 0; }

.product-img-wrap {
  position: relative; aspect-ratio: 4 / 3; border-radius: 20px; overflow: hidden;
  border: 1px solid var(--card-brd);
  background:
    radial-gradient(120% 90% at 18% 0%, rgba(184, 134, 11, .32), transparent 55%),
    radial-gradient(120% 90% at 90% 100%, rgba(184, 134, 11, .28), transparent 55%),
    linear-gradient(160deg, #FFFFFF, #F4F7FB);
  box-shadow: 0 28px 64px -30px rgba(20, 35, 58, .16);
}
.product-img-wrap::after {
  content: ''; position: absolute; inset: 0; border-radius: 20px; padding: 1.5px;
  background: var(--grad-bluegreen);
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; opacity: .5; pointer-events: none;
}
.product-img { width: 100%; height: 100%; object-fit: cover; display: block; }

.product-num {
  display: inline-flex; align-items: center; gap: .6rem; margin-bottom: 1rem;
  font-family: 'Open Sans', sans-serif; font-weight: 700; font-size: .85rem; color: var(--blue);
}
.product-num b { font-size: 1.5rem; background: var(--grad-bluegreen); -webkit-background-clip: text; background-clip: text; color: transparent; }
.product-text h3 { font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 800; margin-bottom: .7rem; }
.product-text > p { color: var(--muted); margin-bottom: 1.2rem; }
.product-rate { display: inline-block; font-size: .85rem; font-weight: 600; color: var(--green); background: rgba(184, 134, 11, .1); border: 1px solid rgba(184, 134, 11, .25); padding: .35rem .9rem; border-radius: 50px; margin-bottom: 1.3rem; }
.product-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ---------- Blog listing ---------- */
.blog-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.8rem; }
.blog-card { display: flex; flex-direction: column; overflow: hidden; padding: 0; transition: transform .3s ease, box-shadow .3s ease; }
.blog-card:hover { transform: translateY(-8px); box-shadow: 0 28px 60px -24px rgba(184, 134, 11, .5); }
.blog-card-thumb {
  position: relative; aspect-ratio: 16 / 10; display: grid; place-items: center; font-size: 2.6rem;
  background:
    radial-gradient(120% 100% at 20% 0%, rgba(184, 134, 11, .35), transparent 55%),
    radial-gradient(120% 100% at 90% 100%, rgba(184, 134, 11, .3), transparent 55%),
    linear-gradient(160deg, #FFFFFF, #F4F7FB);
  border-bottom: 1px solid var(--card-brd);
}
.blog-card-thumb img { width: 100%; height: 100%; object-fit: cover; }
.blog-card .cat {
  position: absolute; left: 14px; top: 14px; font-size: .72rem; font-weight: 600; color: #fff;
  background: var(--grad-bluegreen); padding: .3rem .8rem; border-radius: 50px;
}
.blog-card-body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1; }
.blog-card-meta { display: flex; gap: .8rem; font-size: .78rem; color: var(--muted); margin-bottom: .7rem; }
.blog-card h3 { font-size: 1.18rem; margin-bottom: .5rem; line-height: 1.35; }
.blog-card p { color: var(--muted); font-size: .9rem; line-height: 1.6; margin-bottom: 1.1rem; }
.blog-card .read-more { margin-top: auto; font-weight: 600; color: var(--blue); font-size: .9rem; }
.blog-card:hover .read-more { color: var(--green); }

/* ---------- Blog detail meta ---------- */
.post-meta { display: flex; flex-wrap: wrap; justify-content: center; gap: 1.2rem; font-size: .88rem; color: var(--muted); margin-top: 1rem; }
.post-meta span { display: inline-flex; align-items: center; gap: .4rem; }
.post-meta-left { justify-content: flex-start; }
.post-title { font-size: clamp(1.7rem, 3.4vw, 2.6rem); font-weight: 800; margin: .5rem 0 0; line-height: 1.2; }

/* ---------- Blog / article page ---------- */
.blog-wrap { max-width: 980px; margin: 0 auto; }
.blog-block { margin-bottom: 3.2rem; }
.blog-block:last-child { margin-bottom: 0; }
.blog-block > h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); font-weight: 800; margin-bottom: 1rem; position: relative; padding-left: 1rem; }
.blog-block > h2::before { content: ''; position: absolute; left: 0; top: .15em; bottom: .15em; width: 4px; border-radius: 4px; background: var(--grad-bluegreen); }
.blog-block > p { color: var(--muted); margin-bottom: 1rem; line-height: 1.8; }
.blog-lead { font-size: 1.12rem; color: var(--text) !important; }

.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.3rem; margin-top: 1.6rem; }
.svc-card { padding: 1.5rem; transition: transform .3s ease, box-shadow .3s ease; }
.svc-card:hover { transform: translateY(-6px); box-shadow: 0 22px 48px -22px rgba(184, 134, 11, .5); }
.svc-ic { width: 50px; height: 50px; border-radius: 13px; display: grid; place-items: center; font-size: 1.35rem; margin-bottom: .9rem; }
.svc-card h3 { font-size: 1.1rem; margin-bottom: .4rem; }
.svc-card p { color: var(--muted); font-size: .88rem; line-height: 1.6; }
.svc-card .tags { margin-top: .6rem; display: flex; flex-wrap: wrap; gap: .4rem; }
.svc-card .tags span { font-size: .72rem; color: var(--green); background: rgba(184, 134, 11, .1); border: 1px solid rgba(184, 134, 11, .25); padding: .2rem .55rem; border-radius: 50px; }

.why-list { display: grid; gap: 1rem; margin-top: 1.4rem; }
.why-item { display: flex; gap: 1rem; align-items: flex-start; padding: 1.2rem 1.4rem; border-radius: 14px; background: var(--card); border: 1px solid var(--card-brd); }
.why-item .why-ic { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; font-size: 1.2rem; flex: none; }
.why-item h3 { font-size: 1.05rem; margin-bottom: .25rem; }
.why-item p { color: var(--muted); font-size: .9rem; line-height: 1.6; }

.disclaimer-box { padding: 1.6rem 1.8rem; border-radius: 16px; background: rgba(245, 166, 35, .07); border: 1px solid rgba(245, 166, 35, .3); }
.disclaimer-box h3 { color: var(--orange); font-size: 1.1rem; margin-bottom: .6rem; display: flex; align-items: center; gap: .5rem; }
.disclaimer-box p { color: var(--muted); font-size: .92rem; line-height: 1.75; margin: 0; }

.blog-contact { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.2rem; padding: 1.8rem 2rem; }
.blog-contact h3 { font-size: 1.25rem; margin-bottom: .3rem; }
.blog-contact p { color: var(--muted); font-size: .92rem; }
.blog-contact .tagline { color: var(--green); font-style: italic; }

/* ---------- Contact page ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 3rem; align-items: start; }
.contact-info h2 { font-size: clamp(1.6rem, 2.8vw, 2.2rem); font-weight: 800; margin-bottom: .8rem; }
.contact-info > p { color: var(--muted); margin-bottom: 1.8rem; }
.info-list { display: grid; gap: 1.1rem; margin-bottom: 2rem; }
.info-item { display: flex; gap: 1rem; align-items: flex-start; }
.info-ic { width: 50px; height: 50px; border-radius: 14px; display: grid; place-items: center; font-size: 1.3rem; flex: none; }
.info-item h4 { font-size: 1rem; margin-bottom: .2rem; }
.info-item p, .info-item a { color: var(--muted); font-size: .92rem; line-height: 1.5; }
.info-item a:hover { color: var(--blue); }

/* Form */
.contact-form { padding: 2.2rem; }
.contact-form h3 { font-size: 1.3rem; margin-bottom: .4rem; }
.contact-form > p { color: var(--muted); font-size: .9rem; margin-bottom: 1.6rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field { margin-bottom: 1.1rem; display: flex; flex-direction: column; gap: .45rem; }
.field label { font-size: .85rem; font-weight: 500; color: var(--text); }
.field input, .field select, .field textarea {
  width: 100%; padding: .85rem 1rem; border-radius: 12px; font-family: 'Open Sans', sans-serif; font-size: .95rem;
  color: var(--text); background: #ffffff; border: 1px solid var(--card-brd);
  outline: none; transition: border-color .25s ease, box-shadow .25s ease;
}
.field textarea { resize: vertical; min-height: 120px; }
.field input::placeholder, .field textarea::placeholder { color: #8593A2; }
.field select { appearance: none; cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%235C6B7A' d='M6 8 0 0h12z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 1rem center; padding-right: 2.4rem; }
.field select option { background: #FFFFFF; color: var(--text); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(184, 134, 11, .18); }
.form-note { font-size: .82rem; color: var(--green); margin-top: .8rem; min-height: 1.1rem; }

/* Map */
.contact-map { margin-top: 3rem; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--card-brd); box-shadow: var(--shadow); line-height: 0; }
.contact-map iframe { width: 100%; height: 380px; border: 0; filter: grayscale(.12) contrast(1.02); }

/* ---------- Inner page image banner (full designed banner) ---------- */
.about-banner {
  width: 100%; margin-top: 104px; line-height: 0; background: var(--bg);
  border-bottom: 1px solid var(--card-brd); overflow: hidden;
}
.about-banner img { width: 100%; height: auto; display: block; }
.page-breadcrumb { background: #EAF1F8; border-bottom: 1px solid var(--card-brd); padding: .9rem 0; }
.breadcrumb { display: flex; align-items: center; gap: .6rem; font-size: .9rem; color: var(--muted); }
.breadcrumb a:hover { color: var(--blue); }
.breadcrumb .current { color: var(--text); font-weight: 600; }

/* ---------- Mission & Vision ---------- */
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.8rem; }
.mv-card { padding: 2.2rem; transition: transform .3s ease, box-shadow .3s ease; }
.mv-card:hover { transform: translateY(-6px); box-shadow: 0 26px 55px -24px rgba(184, 134, 11, .5); }
.mv-icon { width: 62px; height: 62px; border-radius: 16px; display: grid; place-items: center; font-size: 1.7rem; margin-bottom: 1.2rem; }
.mv-card h3 { font-size: 1.4rem; margin-bottom: .7rem; }
.mv-card p { color: var(--muted); }

/* ---------- Core values ---------- */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.value-card { padding: 1.9rem; transition: transform .3s ease, box-shadow .3s ease; }
.value-card:hover { transform: translateY(-6px); box-shadow: 0 24px 50px -22px rgba(184, 134, 11, .5); }
.value-icon { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 1rem; }
.value-card h3 { font-size: 1.15rem; margin-bottom: .45rem; }
.value-card p { color: var(--muted); font-size: .9rem; }

/* ---------- Footer ---------- */
.footer { background: #EAF1F8; border-top: 1px solid var(--card-brd); padding-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 2.2rem; padding-bottom: 3rem; }
.footer-brand p { color: var(--muted); font-size: .9rem; margin: 1rem 0 1.2rem; max-width: 320px; }
.socials { display: flex; gap: .65rem; }
.socials a {
  width: 42px; height: 42px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center; line-height: 0;
  color: #fff; border: none;
  box-shadow: 0 6px 16px -7px rgba(20, 35, 58, .45);
  transition: transform .25s ease, box-shadow .25s ease, filter .25s ease;
}
.socials a svg { width: 41px; height: 33px; fill: currentColor; display: block; vertical-align: middle; }
.socials .soc-fb { background: #1877F2; }
.socials .soc-x  { background: #0f1419; }
.socials .soc-in { background: #0A66C2; }
.socials .soc-ig { background: linear-gradient(45deg, #F58529, #DD2A7B 55%, #8134AF 80%, #515BD4); }
.socials a:hover { transform: translateY(-4px); filter: brightness(1.08); box-shadow: 0 13px 24px -8px rgba(20, 35, 58, .5); }
.socials .soc-fb:hover { box-shadow: 0 13px 24px -8px rgba(24, 119, 242, .6); }
.socials .soc-in:hover { box-shadow: 0 13px 24px -8px rgba(10, 102, 194, .6); }
.socials .soc-ig:hover { box-shadow: 0 13px 24px -8px rgba(221, 42, 123, .6); }
.footer-col h4 { font-size: 1rem; margin-bottom: 1.1rem; color: var(--text); }
.footer-col a { display: block; color: var(--muted); font-size: .9rem; padding: .3rem 0; transition: .2s; }
.footer-col a:hover { color: var(--blue); padding-left: 4px; }
.footer-col p { color: var(--muted); font-size: .9rem; margin-bottom: .7rem; }
/* contact phone/email links sit inline with their icon */
.footer-col p a { display: inline; padding: 0; }
.footer-col p a:hover { padding-left: 0; }

.footer-bottom { border-top: 1px solid var(--card-brd); padding: 1.6rem 0 2.2rem; }
.disclaimer { font-size: .76rem; color: #8593A2; margin-bottom: .8rem; line-height: 1.7; }
.copyright { font-size: .82rem; color: var(--muted); }

/* ---------- Testimonials / client reviews ---------- */
.tslider { position: relative; max-width: 940px; margin: 0 auto; overflow: hidden; }
.ttrack { display: flex; transition: transform .6s cubic-bezier(.65, 0, .35, 1); }
.tslide { flex: 0 0 100%; min-width: 0; padding: 6px; }
.tcard { display: grid; grid-template-columns: .82fr 1.18fr; gap: 2rem; padding: 1.8rem; align-items: center; }
.tphoto { border-radius: 16px; overflow: hidden; aspect-ratio: 4 / 3; border: 1px solid var(--card-brd); }
.tphoto img { width: 100%; height: 100%; object-fit: cover; display: block; }
.tbody { position: relative; }
.tquote-mark { font-family: Georgia, 'Times New Roman', serif; font-size: 4.6rem; line-height: .7; color: var(--blue); opacity: .16; position: absolute; top: -8px; left: -2px; pointer-events: none; }
.tstars { color: var(--orange); font-size: 1.02rem; letter-spacing: 3px; margin-bottom: .8rem; }
.tquote { position: relative; z-index: 1; font-size: 1.05rem; line-height: 1.75; color: var(--text); margin-bottom: 1.3rem; }
.tperson { display: flex; flex-direction: column; gap: .12rem; }
.tperson strong { font-family: 'Open Sans', sans-serif; font-size: 1.06rem; font-weight: 800; }
.tperson span { font-size: .88rem; color: var(--muted); }
.tperson span b { color: var(--blue); font-weight: 600; }
.tarrow {
  position: absolute; top: 50%; transform: translateY(-50%); z-index: 4;
  width: 44px; height: 44px; border-radius: 50%; cursor: pointer;
  background: #fff; border: 1px solid var(--card-brd); color: var(--text);
  font-size: 1.5rem; line-height: 1; display: grid; place-items: center;
  box-shadow: 0 10px 26px -12px rgba(20, 35, 58, .35); transition: .25s;
}
.tarrow:hover { background: var(--grad-bluegreen); color: #fff; border-color: transparent; transform: translateY(-50%) scale(1.06); }
.tprev { left: -14px; } .tnext { right: -14px; }
.tdots { display: flex; gap: .5rem; justify-content: center; margin-top: 1.7rem; }
.tdots button { width: 10px; height: 10px; border-radius: 50%; border: none; padding: 0; cursor: pointer; background: var(--card-brd); transition: .3s; }
.tdots button.active { width: 28px; border-radius: 50px; background: var(--grad-bluegreen); }

/* ---------- Readable deep-gold for small text & links ----------
   (the bright gold --blue is great for fills/gradients/glows but too
   light for small text on the light background, so text uses deep gold) */
.kicker, .about-copy .kicker,
.loan-link, .blog-card .read-more, .product-num, .leader-role,
.leader-quote cite, .tperson span b, .faq-ic, .hl-blue,
.info-item a:hover, .breadcrumb a:hover, .footer-col a:hover { color: #9A6E08; }

/* ---------- Leadership / executive profile ---------- */
.product-text .leader-role { color: var(--blue); font-weight: 600; font-size: .95rem; margin-bottom: 1.1rem; }
.leader-quote {
  margin-top: 1.5rem; padding: 1.1rem 1.5rem;
  border-left: 4px solid var(--green); background: rgba(184, 134, 11, .08);
  border-radius: 0 14px 14px 0; font-style: italic; color: var(--text);
  font-size: 1.04rem; line-height: 1.75;
}
.leader-quote cite { display: block; margin-top: .7rem; font-style: normal; font-weight: 700; color: var(--blue); font-size: .88rem; }

/* ---------- AOS-style scroll animation ---------- */
[data-aos] { opacity: 0; transform: translateY(34px); transition: opacity .7s ease, transform .7s ease; }
[data-aos].in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .about-inner { grid-template-columns: 1fr; }
  .mv-grid { grid-template-columns: 1fr; }
  .lp-grid, .value-grid, .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .product-row, .product-row.reverse { flex-direction: column; gap: 1.8rem; }
  .product-media { width: 100%; }
  .products-rows { gap: 3rem; }
  .contact-grid { grid-template-columns: 1fr; }
  .svc-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-cards { grid-template-columns: repeat(2, 1fr); }
  .partners-inner { grid-template-columns: 1fr; }
  .about-visual { max-width: 420px; margin: 0 auto 1rem; }
  .about-badge { right: 8px; top: 16px; }
  .loan-grid, .feature-grid, .stats, .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-slide-overlay { background: linear-gradient(90deg, rgba(255, 255, 255,.95) 0%, rgba(255, 255, 255,.82) 55%, rgba(255, 255, 255,.55) 100%); }
}

@media (max-width: 760px) {
  .nav-links {
    position: fixed; inset: 0 0 0 auto; width: min(78%, 320px);
    flex-direction: column; gap: 1.4rem; padding: 90px 2rem;
    background: #ffffff; box-shadow: -12px 0 40px -16px rgba(20, 35, 58, .25);
    transform: translateX(100%); transition: transform .35s ease; border-left: 1px solid var(--card-brd);
  }
  .nav-links.open { transform: translateX(0); }
  .nav-toggle { display: flex; }
  /* mobile header: logo + menu button only; Apply Now moves inside the menu */
  .navbar, .navbar.scrolled { padding: .5rem 0; }
  .brand-logo, .navbar.scrolled .brand-logo { height: 78px; }
  .nav-actions .btn-apply { display: none; }
  .nav-links .nav-cta { display: inline-flex; margin-top: 1rem; align-self: flex-start; }
  /* testimonials stack on mobile */
  .tcard { grid-template-columns: 1fr; gap: 1.3rem; }
  .tphoto { aspect-ratio: 16 / 10; }
  .tprev { left: 2px; } .tnext { right: 2px; }
  .tarrow { width: 38px; height: 38px; font-size: 1.3rem; }
  /* Full designed banners -> show whole image (no crop) on mobile, below the fixed navbar */
  .hero-slider { height: auto; aspect-ratio: 17 / 9; min-height: 0; max-height: none; margin-top: 94px; }
  .hero-slide, .hero-slide-img { background-size: contain; background-position: center; background-color: #fff; }
  .hero-slide-content { padding-top: 80px; text-align: center; }
  .hero-slide-content .hero-text { margin-inline: auto; }
  .hero-slide-content .hero-cta { justify-content: center; }
  .hero-slide-logo { margin-inline: auto; height: 56px; }
  .hero-slide-overlay { background: linear-gradient(180deg, rgba(255, 255, 255,.7) 0%, rgba(255, 255, 255,.86) 100%); }
  .hero-arrow { width: 42px; height: 42px; font-size: 1.4rem; }
  .hero-prev { left: 10px; } .hero-next { right: 10px; }
  .about-banner { background-position: 28% center; }

  /* Snake timeline -> vertical stacked list on mobile */
  .how-snake { aspect-ratio: auto; max-width: 460px; padding-left: 64px; }
  .snake-line { display: none; }
  .how-snake::before {
    content: ''; position: absolute; left: 33px; top: 10px; bottom: 10px; width: 2px;
    background: linear-gradient(180deg, var(--green), var(--blue));
  }
  .snake-step { position: relative; left: auto !important; top: auto !important; width: auto; height: auto; margin-bottom: 2rem; min-height: 66px; }
  .snake-step:last-child { margin-bottom: 0; }
  .snake-dot { left: -31px; top: 33px; }
  .snake-num { top: -6px; left: 4px !important; right: auto !important; font-size: 2.2rem; }
  .snake-info { position: relative; top: auto; left: auto !important; right: auto !important; width: auto; text-align: left !important; padding-left: 6px; }
}

@media (max-width: 540px) {
  .loan-grid, .lp-grid, .feature-grid, .stats, .footer-grid, .value-grid, .partners-grid, .svc-grid, .blog-cards { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; }
  [data-aos] { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}