/* ============================================================
   A&G FAST ACCESS LOAN LIMITED — Stylesheet
   Font: Poppins | Theme: Deep Green + Gold
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --color-primary:   #1a6b2f;
  --color-secondary: #f0b429;
  --color-dark:      #0d1f12;
  --color-darker:    #081409;
  --color-light:     #f4f7f5;
  --color-text:      #1e2d24;
  --color-muted:     #5a7263;
  --color-border:    #d4e0d8;
  --color-success:   #22863a;
  --color-danger:    #d73a49;
  --color-white:     #ffffff;
  --font:            'Poppins', system-ui, sans-serif;
  --shadow-sm:       0 1px 4px rgba(0,0,0,.10);
  --shadow-md:       0 4px 18px rgba(0,0,0,.14);
  --shadow-lg:       0 12px 40px rgba(0,0,0,.20);
  --radius:          10px;
  --radius-lg:       18px;
  --transition:      0.22s ease;
  --max-width:       1140px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--color-text); background: var(--color-light); line-height: 1.65; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── TYPOGRAPHY ─────────────────────────────────────────────── */
h1, h2, h3, h4 { font-family: var(--font); line-height: 1.2; color: var(--color-dark); font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.05rem; }
p  { font-size: .97rem; color: var(--color-muted); }

/* ── LAYOUT ──────────────────────────────────────────────────── */
.container  { max-width: var(--max-width); margin: 0 auto; padding: 0 1.25rem; }
.section    { padding: 5rem 0; }
.section-sm { padding: 3rem 0; }
.grid-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 1.75rem; }
.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1.5rem; }
.text-center { text-align: center; }
.bg-light { background: var(--color-light); }
.bg-white  { background: var(--color-white); }
.hidden    { display: none !important; }

/* ── NAV ──────────────────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(8,20,9,.96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(240,180,41,.15);
  transition: background var(--transition);
}
.nav.scrolled { background: var(--color-darker); }
.nav__inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: .9rem 1.25rem; max-width: var(--max-width); margin: 0 auto;
}
.nav__logo { display: flex; align-items: center; gap: .75rem; }
.nav__logo img { height: 46px; width: auto; object-fit: contain; }
.nav__links { display: flex; align-items: center; gap: 1.75rem; }
.nav__links a { color: rgba(255,255,255,.82); font-size: .9rem; font-weight: 500; transition: color var(--transition); }
.nav__links a:hover { color: var(--color-secondary); }
.nav__cta {
  background: var(--color-secondary) !important;
  color: var(--color-dark) !important;
  padding: .5rem 1.25rem !important;
  border-radius: var(--radius); font-weight: 700 !important;
}
.nav__cta:hover { filter: brightness(1.08); }
.nav__toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.nav__toggle span { display: block; width: 24px; height: 2px; background: white; border-radius: 2px; transition: transform var(--transition), opacity var(--transition); }
.nav__mobile { display: none; flex-direction: column; background: var(--color-darker); border-top: 1px solid rgba(255,255,255,.06); position: relative; z-index: 1001; }
.nav__mobile a { padding: .85rem 1.25rem; color: rgba(255,255,255,.8); border-bottom: 1px solid rgba(255,255,255,.05); font-size: .95rem; }
.nav__mobile a:hover { color: var(--color-secondary); }
.nav__mobile.open { display: flex; }

/* ── BUTTONS ───────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .8rem 1.75rem; border-radius: var(--radius);
  font-family: var(--font); font-weight: 600; font-size: .95rem;
  cursor: pointer; border: 2px solid transparent;
  transition: all var(--transition); white-space: nowrap;
}
.btn-primary   { background: var(--color-primary); color: white; }
.btn-primary:hover { filter: brightness(1.12); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-secondary { background: var(--color-secondary); color: var(--color-dark); }
.btn-secondary:hover { filter: brightness(1.08); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(240,180,41,.35); }
.btn-outline   { background: transparent; border-color: white; color: white; }
.btn-outline:hover { background: white; color: var(--color-dark); }
.btn-lg  { padding: .95rem 2.2rem; font-size: 1rem; }
.btn-full { width: 100%; }

/* ── HERO ──────────────────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  background: var(--color-darker);
  display: flex; align-items: center;
  padding: 8rem 0 5rem; position: relative; overflow: hidden;
}
.hero__bg-pattern {
  position: absolute; inset: 0; opacity: .07;
  background-image: repeating-linear-gradient(
    45deg, var(--color-secondary) 0, var(--color-secondary) 1px,
    transparent 0, transparent 50%
  );
  background-size: 28px 28px;
}
.hero__glow {
  position: absolute; top: -200px; right: -200px;
  width: 600px; height: 600px; border-radius: 50%;
  background: radial-gradient(circle, rgba(26,107,47,.35) 0%, transparent 70%);
  pointer-events: none;
}
.hero__content { position: relative; z-index: 1; max-width: 700px; }
.hero__badge {
  display: inline-flex; align-items: center; gap: .5rem;
  margin-bottom: 1.25rem;
  background: rgba(240,180,41,.15); border: 1px solid rgba(240,180,41,.35);
  color: var(--color-secondary); padding: .4rem 1rem;
  border-radius: 100px; font-size: .82rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
}
.hero h1 { color: var(--color-white); margin-bottom: 1.25rem; letter-spacing: -.02em; }
.hero h1 .flash { color: var(--color-secondary); position: relative; }
.hero p { font-size: 1.1rem; color: rgba(255,255,255,.7); margin-bottom: 2rem; max-width: 540px; }
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__stats { display: flex; gap: 2.5rem; margin-top: 3rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,.1); flex-wrap: wrap; }
.hero__stat-number { font-size: 2rem; font-weight: 800; color: var(--color-secondary); line-height: 1; }
.hero__stat-label  { font-size: .8rem; color: rgba(255,255,255,.55); margin-top: .2rem; }

/* ── PAYMENT BANNER ────────────────────────────────────────────── */
.payment-banner { background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-dark) 100%); padding: 4rem 0; }
.payment-tiers { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.payment-tier {
  background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg); padding: 1.75rem;
  transition: border-color var(--transition), background var(--transition);
}
.payment-tier:hover { background: rgba(255,255,255,.14); border-color: rgba(240,180,41,.5); }
.payment-tier__icon   { font-size: 2rem; margin-bottom: .75rem; }
.payment-tier__range  { font-size: 1.25rem; font-weight: 700; color: var(--color-secondary); margin-bottom: .3rem; }
.payment-tier__type   { font-weight: 600; font-size: .95rem; color: white; margin-bottom: .25rem; }
.payment-tier__note   { font-size: .85rem; color: rgba(255,255,255,.6); }

/* ── CARDS ─────────────────────────────────────────────────────── */
.card {
  background: var(--color-white); border-radius: var(--radius-lg); padding: 2rem;
  box-shadow: var(--shadow-sm); border: 1px solid var(--color-border);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card__icon {
  width: 54px; height: 54px; border-radius: var(--radius);
  background: linear-gradient(135deg, var(--color-primary), #2e9e4f);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 1.1rem;
}

/* ── SECTION HEADING ───────────────────────────────────────────── */
.section-heading { margin-bottom: 3rem; }
.section-heading .label {
  display: inline-block; font-size: .75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .12em;
  color: var(--color-secondary); background: rgba(240,180,41,.12);
  border: 1px solid rgba(240,180,41,.3);
  padding: .3rem .85rem; border-radius: 100px; margin-bottom: .65rem;
}
.section-heading h2 { margin-bottom: .6rem; }
.section-heading p  { font-size: 1rem; max-width: 560px; }
.section-heading.centered { text-align: center; }
.section-heading.centered p { margin: 0 auto; }

/* ── PAGE HERO ─────────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--color-darker) 0%, var(--color-primary) 100%);
  padding: 8rem 0 4rem; color: white; text-align: center;
}
.page-hero h1 { color: white; margin-bottom: .75rem; }
.page-hero p  { color: rgba(255,255,255,.7); font-size: 1.05rem; }
.breadcrumb { display: flex; align-items: center; gap: .5rem; font-size: .85rem; justify-content: center; margin-top: 1rem; }
.breadcrumb a { color: var(--color-secondary); }
.breadcrumb span { color: rgba(255,255,255,.45); }

/* ── REVIEWS ───────────────────────────────────────────────────── */
.review-card { background: white; border-radius: var(--radius-lg); padding: 1.75rem; box-shadow: var(--shadow-sm); border: 1px solid var(--color-border); }
.review-card__stars { color: var(--color-secondary); font-size: 1rem; margin-bottom: .75rem; }
.review-card__text  { font-style: italic; color: var(--color-muted); margin-bottom: 1.2rem; font-size: .92rem; }
.review-card__author { display: flex; align-items: center; gap: .75rem; }
.review-card__avatar {
  width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  display: flex; align-items: center; justify-content: center;
  color: white; font-weight: 700; font-size: .9rem;
}
.review-card__name   { font-weight: 600; font-size: .92rem; color: var(--color-dark); }
.review-card__parish { font-size: .78rem; color: var(--color-muted); }

/* ── FORMS ─────────────────────────────────────────────────────── */
.form-group  { margin-bottom: 1.2rem; }
.form-label  { display: block; font-size: .875rem; font-weight: 600; color: var(--color-dark); margin-bottom: .4rem; }
.form-label .required { color: var(--color-danger); margin-left: .2rem; }
.form-control {
  width: 100%; padding: .72rem 1rem;
  border: 1.5px solid var(--color-border); border-radius: var(--radius);
  font-family: var(--font); font-size: .93rem;
  color: var(--color-text); background: white;
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
}
.form-control:focus { outline: none; border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(26,107,47,.12); }
.form-control::placeholder { color: var(--color-muted); opacity: .65; }
select.form-control {
  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 d='M1 1l5 5 5-5' stroke='%235a7263' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center; padding-right: 2.5rem;
}
textarea.form-control { min-height: 90px; resize: vertical; }
.form-control.readonly-field { background: #f4f7f5; color: var(--color-muted); cursor: not-allowed; }
.form-note  { font-size: .78rem; color: var(--color-muted); margin-top: .3rem; }
.form-error { font-size: .78rem; color: var(--color-danger); margin-top: .3rem; display: none; }
.form-control.error { border-color: var(--color-danger); }
.form-grid-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 0 1.25rem; }

/* ── APPLICATION: 6-STEP PROGRESS ─────────────────────────────── */
.step-progress {
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 2.5rem; gap: 0; overflow-x: auto; padding-bottom: .25rem;
}
.step-item { display: flex; flex-direction: column; align-items: center; gap: .35rem; flex-shrink: 0; }
.step-num {
  width: 38px; height: 38px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .88rem;
  background: var(--color-border); color: var(--color-muted);
  transition: all var(--transition); border: 2px solid var(--color-border);
}
.step-label { font-size: .7rem; font-weight: 600; color: var(--color-muted); transition: color var(--transition); white-space: nowrap; }
.step-item.active .step-num   { background: var(--color-primary); border-color: var(--color-primary); color: white; box-shadow: 0 0 0 4px rgba(26,107,47,.18); }
.step-item.active .step-label { color: var(--color-primary); }
.step-item.done   .step-num   { background: var(--color-success); border-color: var(--color-success); color: white; }
.step-item.done   .step-label { color: var(--color-success); }
.step-connector { width: 40px; height: 2px; background: var(--color-border); flex-shrink: 0; margin-bottom: 22px; transition: background var(--transition); }
.step-connector.done { background: var(--color-success); }

/* ── FORM STEPS ─────────────────────────────────────────────────── */
.form-step { display: none; }
.form-step.active { display: block; }
.form-step-title {
  font-size: 1.2rem; font-weight: 700; color: var(--color-dark);
  margin-bottom: .35rem; display: flex; align-items: center; gap: .6rem;
}
.form-step-subtitle { font-size: .88rem; color: var(--color-muted); margin-bottom: 1.75rem; }

.form-section-title {
  font-size: .95rem; font-weight: 700; color: var(--color-dark);
  margin: 1.75rem 0 1rem; padding-bottom: .5rem;
  border-bottom: 2px solid var(--color-secondary);
  display: flex; align-items: center; gap: .5rem; text-transform: uppercase;
  letter-spacing: .04em; font-size: .82rem;
}

.reference-block {
  background: var(--color-light); border-radius: var(--radius); padding: 1.25rem;
  border: 1px solid var(--color-border); margin-bottom: 1rem;
}
.reference-block h4 { font-size: .9rem; color: var(--color-primary); margin-bottom: 1rem; font-weight: 700; }

/* Officer options */
.officer-pick {
  background: linear-gradient(135deg, var(--color-primary), #0d3d1a);
  border-radius: var(--radius-lg); padding: 1.5rem; margin-bottom: 1.5rem;
}
.officer-pick__heading { color: white; font-size: 1rem; font-weight: 700; margin-bottom: .4rem; }
.officer-pick__sub { color: rgba(255,255,255,.7); font-size: .82rem; margin-bottom: 1.25rem; }
.officer-options { display: flex; flex-direction: column; gap: .85rem; }
.officer-option {
  background: white; padding: 1rem 1.25rem; border-radius: var(--radius);
  cursor: pointer; display: flex; align-items: center; gap: 1rem;
  border: 2px solid transparent; transition: all var(--transition);
}
.officer-option:hover { border-color: var(--color-secondary); box-shadow: var(--shadow-sm); }
.officer-option.selected { border-color: var(--color-primary); background: rgba(26,107,47,.06); }
.officer-option input[type="radio"] { width: 18px; height: 18px; accent-color: var(--color-primary); flex-shrink: 0; }
.officer-avatar {
  width: 42px; height: 42px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  display: flex; align-items: center; justify-content: center;
  color: white; font-weight: 700; font-size: .95rem;
}
.officer-name  { font-weight: 600; font-size: .92rem; color: var(--color-dark); }
.officer-title { font-size: .78rem; color: var(--color-muted); }

/* File upload */
.file-upload-area {
  border: 2px dashed var(--color-border); border-radius: var(--radius);
  padding: .9rem 1rem; background: var(--color-light);
  transition: border-color var(--transition), background var(--transition);
  cursor: pointer;
}
.file-upload-area:hover { border-color: var(--color-primary); background: rgba(26,107,47,.04); }
.file-upload-area input[type="file"] {
  width: 100%; cursor: pointer; font-family: var(--font); font-size: .85rem; color: var(--color-muted);
}
.file-upload-area input[type="file"]:focus { outline: none; }

/* Repayment preview */
.repayment-preview {
  background: rgba(26,107,47,.07); border: 1.5px solid rgba(26,107,47,.25);
  border-radius: var(--radius); padding: 1.25rem; margin: 1rem 0;
}
.repayment-preview h4 { color: var(--color-primary); font-size: .9rem; margin-bottom: .75rem; }
.repayment-row { display: flex; justify-content: space-between; padding: .4rem 0; font-size: .88rem; border-bottom: 1px solid rgba(26,107,47,.12); }
.repayment-row:last-child { border-bottom: none; font-weight: 700; font-size: 1rem; color: var(--color-primary); }

/* Alerts */
.alert { padding: .9rem 1.1rem; border-radius: var(--radius); margin-bottom: 1.1rem; font-size: .875rem; font-weight: 500; display: flex; align-items: flex-start; gap: .7rem; }
.alert-info    { background: rgba(26,107,47,.08);  border-left: 3px solid var(--color-primary); color: var(--color-primary); }
.alert-warning { background: rgba(240,180,41,.1);  border-left: 3px solid var(--color-secondary); color: #7a5c00; }
.alert-danger  { background: rgba(215,58,73,.08);  border-left: 3px solid var(--color-danger);  color: var(--color-danger); }
.alert-success { background: rgba(34,134,58,.09);  border-left: 3px solid var(--color-success); color: var(--color-success); }

/* Step navigation */
.step-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--color-border); gap: 1rem; flex-wrap: wrap; }
.step-nav-right { display: flex; gap: .75rem; margin-left: auto; }

/* Review section */
.review-section { background: var(--color-light); border-radius: var(--radius); padding: 1.5rem; margin-bottom: 1rem; }
.review-section h4 { font-size: .88rem; text-transform: uppercase; letter-spacing: .06em; color: var(--color-primary); margin-bottom: .85rem; font-weight: 700; border-bottom: 1px solid var(--color-border); padding-bottom: .6rem; }
.review-row { display: flex; gap: .5rem; padding: .35rem 0; font-size: .88rem; }
.review-row strong { color: var(--color-dark); min-width: 140px; flex-shrink: 0; }
.review-row span   { color: var(--color-muted); }

/* Signature */
.signature-box { background: #fffbeb; border: 2px solid var(--color-secondary); border-radius: var(--radius); padding: 1.5rem; margin-top: 1.5rem; }
.signature-box h4 { color: #7a5c00; margin-bottom: 1rem; font-size: .95rem; }

/* Success state */
.success-state { text-align: center; padding: 3rem 1rem; }
.success-state.visible { display: block !important; }
.success-icon { font-size: 4rem; margin-bottom: 1rem; }
.success-state h2 { margin-bottom: .75rem; }
.success-state p { max-width: 460px; margin: 0 auto 1.5rem; }
.ref-number { font-size: 1.5rem; font-weight: 800; color: var(--color-primary); background: rgba(26,107,47,.08); border: 1.5px solid rgba(26,107,47,.25); border-radius: var(--radius); padding: 1rem 2rem; display: inline-block; letter-spacing: .05em; margin: .75rem 0; }

/* Upload progress */
.upload-progress { background: white; border: 2px solid var(--color-primary); border-radius: var(--radius-lg); padding: 2rem; margin-top: 1.5rem; text-align: center; }
.progress-bar-container { width: 100%; height: 18px; background: var(--color-border); border-radius: 100px; overflow: hidden; margin: 1rem 0; }
.progress-bar-fill { height: 100%; background: linear-gradient(90deg, var(--color-primary), var(--color-secondary)); border-radius: 100px; transition: width .4s ease; animation: shimmer 2s linear infinite; background-size: 200% 100%; }
@keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }
.progress-pct { font-size: 1.5rem; font-weight: 800; color: var(--color-primary); }

/* Apply layout */
.apply-wrapper { display: grid; grid-template-columns: 1fr 360px; gap: 2rem; align-items: start; }
.apply-sidebar { background: white; border-radius: var(--radius-lg); padding: 1.75rem; box-shadow: var(--shadow-sm); border: 1px solid var(--color-border); position: sticky; top: 90px; }
.apply-sidebar h3 { font-size: 1rem; margin-bottom: 1rem; }
.sidebar-check { display: flex; gap: .75rem; align-items: flex-start; font-size: .85rem; color: var(--color-muted); margin-bottom: .7rem; }
.sidebar-check::before { content: '✓'; color: var(--color-success); font-weight: 700; flex-shrink: 0; }
.sidebar-divider { height: 1px; background: var(--color-border); margin: 1.25rem 0; }

/* Stat boxes */
.stat-box { text-align: center; padding: 1.75rem; }
.stat-box__number { font-size: 2.5rem; font-weight: 800; color: var(--color-primary); line-height: 1; }
.stat-box__label  { font-size: .82rem; color: var(--color-muted); margin-top: .3rem; }

/* Contact */
.contact-method { display: flex; gap: 1.25rem; align-items: flex-start; padding: 1.5rem; background: white; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); border: 1px solid var(--color-border); }
.contact-method__icon { width: 50px; height: 50px; flex-shrink: 0; border-radius: var(--radius); background: linear-gradient(135deg, var(--color-primary), #2e9e4f); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; color: white; }
.contact-method h4 { margin-bottom: .3rem; }
.map-placeholder { height: 320px; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--color-border); }
.map-placeholder iframe { width: 100%; height: 100%; border: none; }

/* Why items */
.why-item { display: flex; gap: 1.1rem; align-items: flex-start; }
.why-item__icon { width: 46px; height: 46px; flex-shrink: 0; border-radius: var(--radius); background: linear-gradient(135deg, var(--color-primary), var(--color-secondary)); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: white; }
.why-item h4 { margin-bottom: .3rem; }

/* Team card */
.team-card { text-align: center; }
.team-card__photo { width: 80px; height: 80px; border-radius: 50%; margin: 0 auto 1rem; background: linear-gradient(135deg, var(--color-primary), var(--color-secondary)); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: white; font-weight: 800; }
.team-card h4 { margin-bottom: .25rem; }

/* Spinner */
.spinner { width: 18px; height: 18px; border-radius: 50%; border: 2px solid rgba(255,255,255,.4); border-top-color: white; animation: spin .7s linear infinite; display: inline-block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* Footer */
.footer { background: var(--color-darker); color: rgba(255,255,255,.7); padding: 4rem 0 1.5rem; }
.footer__grid { display: grid; grid-template-columns: 2fr repeat(3,1fr); gap: 3rem; margin-bottom: 3rem; }
.footer__brand p { font-size: .88rem; margin: .75rem 0 1.25rem; line-height: 1.7; }
.footer__brand img { height: 40px; object-fit: contain; }
.footer__heading { font-size: .9rem; font-weight: 700; color: white; margin-bottom: .9rem; }
.footer__links { display: flex; flex-direction: column; gap: .45rem; }
.footer__links a { font-size: .88rem; transition: color var(--transition); }
.footer__links a:hover { color: var(--color-secondary); }
.footer__contact-item { display: flex; gap: .6rem; align-items: flex-start; font-size: .88rem; margin-bottom: .6rem; }
.footer__contact-icon { color: var(--color-secondary); flex-shrink: 0; }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 1.5rem; display: flex; align-items: center; justify-content: space-between; font-size: .82rem; flex-wrap: wrap; gap: 1rem; }
.footer__social { display: flex; gap: .65rem; }
.footer__social a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); display: flex; align-items: center; justify-content: center; font-size: .8rem; transition: all var(--transition); }
.footer__social a:hover { background: var(--color-secondary); border-color: var(--color-secondary); color: var(--color-dark); }

/* WhatsApp float */
.whatsapp-float { position: fixed; bottom: 1.5rem; right: 1.5rem; z-index: 999; width: 56px; height: 56px; border-radius: 50%; background: #25D366; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 20px rgba(37,211,102,.4); transition: transform var(--transition); }
.whatsapp-float:hover { transform: scale(1.08); }
.whatsapp-float svg { width: 28px; height: 28px; fill: white; }

/* Inline dob grid */
.dob-grid { display: grid; grid-template-columns: 1fr 2fr 1fr; gap: .75rem; }

/* ── RESPONSIVE ─────────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .apply-wrapper { grid-template-columns: 1fr; }
  .apply-sidebar { position: static; }
}
@media (max-width: 768px) {
  .nav__links { display: none; }
  .nav__toggle { display: flex; }
  .hero { padding: 7rem 0 4rem; }
  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .section { padding: 3.5rem 0; }
  .step-connector { width: 20px; }
  .form-grid-2 { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; }
  .step-label { display: none; }
  .dob-grid { grid-template-columns: 1fr 1fr; }
  .dob-grid select:first-child { grid-column: 1 / -1; }
}

/* ═══════════════════════════════════════════════════════════════
   HERO IMAGE SLIDER
   ═══════════════════════════════════════════════════════════════ */
.hero {
  position: relative;
}
.hero__slides {
  position: absolute; inset: 0; z-index: 0;
}
.hero__slide {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  opacity: 0; transition: opacity 1.2s ease;
}
.hero__slide.active { opacity: 1; }
.hero__slide-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(8,20,9,.88) 0%, rgba(13,31,18,.72) 60%, rgba(26,107,47,.35) 100%);
}
/* Slider dots */
.hero__dots {
  position: absolute; bottom: 2rem; left: 50%; transform: translateX(-50%);
  display: flex; gap: .6rem; z-index: 10;
}
.hero__dot {
  width: 10px; height: 10px; border-radius: 100px;
  background: rgba(255,255,255,.35); border: none; cursor: pointer;
  transition: all .3s ease; padding: 0;
}
.hero__dot.active { background: var(--color-secondary); width: 28px; }
/* Slider arrows */
.hero__arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  width: 44px; height: 44px; border-radius: 50%; z-index: 10;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25);
  color: white; font-size: 1.1rem; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition); backdrop-filter: blur(8px);
}
.hero__arrow:hover { background: rgba(240,180,41,.35); border-color: var(--color-secondary); }
.hero__arrow--prev { left: 1.5rem; }
.hero__arrow--next { right: 1.5rem; }
@media (max-width: 768px) {
  .hero__arrow { display: none; }
}

/* ═══════════════════════════════════════════════════════════════
   EXIT-INTENT POPUP / LEAD CAPTURE
   ═══════════════════════════════════════════════════════════════ */
.popup-overlay {
  position: fixed; inset: 0; z-index: 9000;
  background: rgba(8,20,9,.75); backdrop-filter: blur(4px);
  display: flex; align-items: center; justify-content: center;
  padding: 1rem;
  opacity: 0; pointer-events: none; visibility: hidden;
  transition: opacity .3s ease, visibility .3s ease;
}
.popup-overlay.open { opacity: 1; pointer-events: all; visibility: visible; }
.popup-box {
  background: white; border-radius: var(--radius-lg);
  max-width: 520px; width: 100%; overflow: hidden;
  transform: translateY(24px) scale(.97);
  transition: transform .35s cubic-bezier(.34,1.56,.64,1);
  box-shadow: var(--shadow-lg);
  position: relative;
}
.popup-overlay.open .popup-box { transform: translateY(0) scale(1); }
.popup-header {
  background: linear-gradient(135deg, var(--color-primary), var(--color-dark));
  padding: 2rem 2rem 1.5rem; text-align: center; position: relative;
}
.popup-badge {
  display: inline-block; background: rgba(240,180,41,.25);
  border: 1px solid rgba(240,180,41,.5); color: var(--color-secondary);
  font-size: .72rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; padding: .3rem .85rem; border-radius: 100px;
  margin-bottom: .75rem;
}
.popup-header h2 { color: white; font-size: 1.5rem; margin-bottom: .4rem; }
.popup-header p  { color: rgba(255,255,255,.75); font-size: .9rem; margin: 0; }
.popup-close {
  position: absolute; top: .85rem; right: 1rem;
  background: rgba(255,255,255,.15); border: none; color: white;
  width: 30px; height: 30px; border-radius: 50%; cursor: pointer;
  font-size: 1rem; display: flex; align-items: center; justify-content: center;
  transition: background var(--transition);
}
.popup-close:hover { background: rgba(255,255,255,.3); }
.popup-body { padding: 1.75rem 2rem 2rem; }
.popup-perks {
  display: grid; grid-template-columns: 1fr 1fr; gap: .65rem; margin-bottom: 1.5rem;
}
.popup-perk {
  display: flex; align-items: center; gap: .5rem;
  font-size: .82rem; color: var(--color-muted); font-weight: 500;
}
.popup-perk::before { content: '✓'; color: var(--color-success); font-weight: 800; flex-shrink: 0; }
.popup-form { display: flex; flex-direction: column; gap: .75rem; }
.popup-form input {
  padding: .75rem 1rem; border: 1.5px solid var(--color-border);
  border-radius: var(--radius); font-family: var(--font); font-size: .92rem;
  transition: border-color var(--transition);
}
.popup-form input:focus { outline: none; border-color: var(--color-primary); }
.popup-disclaimer {
  font-size: .72rem; color: var(--color-muted); text-align: center; margin-top: .75rem; line-height: 1.5;
}
/* Timed trigger label */
.popup-skip {
  display: block; text-align: center; margin-top: .75rem;
  font-size: .8rem; color: var(--color-muted); cursor: pointer;
  text-decoration: underline;
}
.popup-skip:hover { color: var(--color-text); }

/* ═══════════════════════════════════════════════════════════════
   APP ICON BOTTOM NAV (mobile PWA-style)
   ═══════════════════════════════════════════════════════════════ */
.app-nav {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 900;
  background: rgba(8,20,9,.97); backdrop-filter: blur(16px);
  border-top: 1px solid rgba(240,180,41,.2);
  display: none; /* show only on mobile */
  padding: .5rem 0 env(safe-area-inset-bottom, .5rem);
}
.app-nav__items {
  display: flex; justify-content: space-around; align-items: center;
  max-width: 480px; margin: 0 auto; padding: 0 .5rem;
}
.app-nav__item {
  display: flex; flex-direction: column; align-items: center;
  gap: .25rem; padding: .35rem .5rem; border-radius: var(--radius);
  color: rgba(255,255,255,.55); text-decoration: none;
  transition: all var(--transition); flex: 1;
  font-size: .62rem; font-weight: 600; letter-spacing: .02em;
  text-transform: uppercase;
}
.app-nav__item:hover,
.app-nav__item.active { color: var(--color-secondary); }
.app-nav__icon {
  width: 32px; height: 32px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; transition: all var(--transition);
  background: rgba(255,255,255,.06);
}
.app-nav__item.active .app-nav__icon,
.app-nav__item:hover .app-nav__icon {
  background: rgba(240,180,41,.18);
}
.app-nav__item.cta-item { flex: none; }
.app-nav__item.cta-item .app-nav__icon {
  background: var(--color-secondary); width: 48px; height: 48px;
  border-radius: 14px; font-size: 1.35rem;
  box-shadow: 0 4px 16px rgba(240,180,41,.4);
  margin-top: -14px;
}
/* CTA icon is always gold but text label stays muted like others unless active */
.app-nav__item.cta-item { color: rgba(255,255,255,.55); }
.app-nav__item.cta-item:hover,
.app-nav__item.cta-item.active { color: var(--color-secondary); }
/* Show on mobile */
@media (max-width: 768px) {
  .app-nav { display: block; }
  /* Pad page body so content isn't hidden behind nav */
  body { padding-bottom: 72px; }
  .whatsapp-float { bottom: 5.5rem; }
}

/* ═══════════════════════════════════════════════════════════════
   POWERED BY / BUILT BY FOOTER CREDITS
   ═══════════════════════════════════════════════════════════════ */
.footer-credits {
  background: var(--color-darker);
  border-top: 1px solid rgba(255,255,255,.05);
  padding: .6rem 0; text-align: center;
}
.footer-credits__inner {
  display: flex; align-items: center; justify-content: center;
  gap: .5rem; flex-wrap: wrap;
  font-size: .72rem; color: rgba(255,255,255,.3);
}
.footer-credits__link {
  display: inline-flex; align-items: center; gap: .35rem;
  color: rgba(255,255,255,.35); transition: color var(--transition);
  font-weight: 500;
}
.footer-credits__link:hover { color: var(--color-secondary); }
.footer-credits__sep {
  color: rgba(255,255,255,.15);
  font-size: .5rem;
  line-height: 1;
}

/* ═══════════════════════════════════════════════════════════════
   SEO INNER PAGES (loan type pages)
   ═══════════════════════════════════════════════════════════════ */
.loan-page-hero {
  background: linear-gradient(135deg, var(--color-darker) 0%, var(--color-primary) 100%);
  padding: 8rem 0 4rem; color: white;
}
.loan-page-hero h1 { color: white; margin-bottom: .75rem; }
.loan-page-hero p  { color: rgba(255,255,255,.72); font-size: 1.05rem; max-width: 620px; }
.loan-page-hero .hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; margin-top: 1.75rem; }

.prose { max-width: 740px; }
.prose h2 { margin: 2.5rem 0 1rem; color: var(--color-dark); }
.prose h3 { margin: 2rem 0 .75rem; color: var(--color-dark); font-size: 1.15rem; }
.prose p  { margin-bottom: 1rem; color: var(--color-muted); line-height: 1.8; }
.prose ul { margin: 1rem 0 1.5rem 1rem; display: flex; flex-direction: column; gap: .4rem; }
.prose ul li { color: var(--color-muted); position: relative; padding-left: 1.25rem; font-size: .95rem; line-height: 1.7; }
.prose ul li::before { content: '✓'; position: absolute; left: 0; color: var(--color-success); font-weight: 800; }

.faq-item { border-bottom: 1px solid var(--color-border); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none;
  padding: 1.1rem 0; font-family: var(--font); font-size: .95rem;
  font-weight: 600; color: var(--color-dark); cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq-q::after { content: '+'; font-size: 1.3rem; color: var(--color-primary); flex-shrink: 0; transition: transform var(--transition); }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; padding-bottom: 1.1rem; color: var(--color-muted); font-size: .92rem; line-height: 1.75; }
.faq-item.open .faq-a { display: block; }

.related-loans { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; }
.related-loan-card {
  border: 1.5px solid var(--color-border); border-radius: var(--radius);
  padding: 1.25rem; text-align: center;
  transition: all var(--transition); background: white;
}
.related-loan-card:hover { border-color: var(--color-primary); transform: translateY(-3px); box-shadow: var(--shadow-sm); }
.related-loan-card .icon { font-size: 1.75rem; margin-bottom: .5rem; }
.related-loan-card h4 { font-size: .9rem; margin-bottom: .25rem; }
.related-loan-card p  { font-size: .78rem; }

/* Loan page sidebar layout */
.loan-layout { display: grid; grid-template-columns: 1fr 320px; gap: 2.5rem; align-items: start; }
.loan-sidebar { position: sticky; top: 90px; }
.loan-sidebar .card { margin-bottom: 1.25rem; }
.loan-sidebar h3 { font-size: 1rem; margin-bottom: 1rem; }
@media (max-width: 900px) {
  .loan-layout { grid-template-columns: 1fr; }
  .loan-sidebar { position: static; }
}

/* Schema breadcrumb visible */
.seo-breadcrumb {
  display: flex; align-items: center; gap: .4rem;
  font-size: .8rem; color: var(--color-muted); margin-bottom: 2rem; flex-wrap: wrap;
}
.seo-breadcrumb a { color: var(--color-primary); }
.seo-breadcrumb span { color: var(--color-border); }

/* ═══════════════════════════════════════════════════════════════
   NAV DROPDOWN — LOANS MEGA MENU
   ═══════════════════════════════════════════════════════════════ */
.nav__dropdown-wrap {
  position: relative;
}
.nav__dropdown-toggle {
  display: flex; align-items: center; gap: .35rem; cursor: pointer;
  color: rgba(255,255,255,.82); font-size: .9rem; font-weight: 500;
  background: none; border: none; font-family: var(--font);
  padding: 0; transition: color var(--transition);
}
.nav__dropdown-toggle:hover { color: var(--color-secondary); }
.nav__dropdown-toggle svg { transition: transform var(--transition); }
.nav__dropdown-wrap:hover .nav__dropdown-toggle svg,
.nav__dropdown-wrap.open  .nav__dropdown-toggle svg { transform: rotate(180deg); }

.nav__dropdown {
  position: absolute; top: calc(100% + 1rem); left: 50%; transform: translateX(-50%);
  background: var(--color-darker); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg); min-width: 260px;
  box-shadow: 0 16px 40px rgba(0,0,0,.45);
  opacity: 0; pointer-events: none; visibility: hidden;
  transform: translateX(-50%) translateY(-8px);
  transition: opacity .22s ease, transform .22s ease, visibility .22s;
  z-index: 200;
}
.nav__dropdown-wrap:hover .nav__dropdown,
.nav__dropdown-wrap.open  .nav__dropdown {
  opacity: 1; pointer-events: all; visibility: visible;
  transform: translateX(-50%) translateY(0);
}
/* Arrow notch */
.nav__dropdown::before {
  content: ''; position: absolute; top: -6px; left: 50%; transform: translateX(-50%);
  width: 12px; height: 12px; background: var(--color-darker);
  border-top: 1px solid rgba(255,255,255,.1);
  border-left: 1px solid rgba(255,255,255,.1);
  transform: translateX(-50%) rotate(45deg);
}
.nav__dropdown-item {
  display: flex; align-items: center; gap: .85rem;
  padding: .85rem 1.1rem; color: rgba(255,255,255,.75);
  transition: background var(--transition), color var(--transition);
  border-radius: var(--radius);
  font-size: .88rem;
}
.nav__dropdown-item:first-child { border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
.nav__dropdown-item:last-child  { border-radius: 0 0 var(--radius-lg) var(--radius-lg); border-top: 1px solid rgba(255,255,255,.06); }
.nav__dropdown-item:hover { background: rgba(255,255,255,.07); color: var(--color-secondary); }
.nav__dropdown-icon { font-size: 1.2rem; flex-shrink: 0; width: 26px; text-align: center; }
.nav__dropdown-text strong { display: block; font-weight: 600; font-size: .88rem; }
.nav__dropdown-text span   { font-size: .75rem; color: rgba(255,255,255,.45); }
.nav__dropdown-item:hover .nav__dropdown-text span { color: rgba(255,255,255,.6); }
/* Divider apply all */
.nav__dropdown-apply {
  background: rgba(240,180,41,.12); color: var(--color-secondary) !important;
  font-weight: 700; justify-content: center; font-size: .88rem;
}
.nav__dropdown-apply:hover { background: rgba(240,180,41,.22) !important; }

/* Blog link in nav */
.nav__links a.active { color: var(--color-secondary); }

/* Mobile nav loan sub-items */
.nav__mobile-section {
  padding: .55rem 1.25rem .25rem;
  font-size: .7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .1em; color: rgba(255,255,255,.3);
}
.nav__mobile a.sub {
  padding-left: 2rem; font-size: .88rem;
  color: rgba(255,255,255,.6);
}
.nav__mobile a.sub:hover { color: var(--color-secondary); }

/* ═══════════════════════════════════════════════════════════════
   LOANS DRAWER (app nav)
   ═══════════════════════════════════════════════════════════════ */
.loans-drawer {
  position: fixed; inset: 0; z-index: 1100;
  pointer-events: none;
  visibility: hidden; /* fully removed from hit-testing when closed */
}
.loans-drawer.open {
  pointer-events: all;
  visibility: visible;
}

.loans-drawer__backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,.55); backdrop-filter: blur(3px);
  opacity: 0; transition: opacity .28s ease;
}
.loans-drawer.open .loans-drawer__backdrop { opacity: 1; }

.loans-drawer__panel {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: var(--color-darker);
  border-top: 1px solid rgba(240,180,41,.2);
  border-radius: 20px 20px 0 0;
  padding-bottom: env(safe-area-inset-bottom, 1rem);
  transform: translateY(100%);
  transition: transform .32s cubic-bezier(.34,1.2,.64,1);
}
.loans-drawer.open .loans-drawer__panel { transform: translateY(0); }

.loans-drawer__header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1rem 1.25rem .75rem;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: .88rem; font-weight: 700; color: rgba(255,255,255,.7);
}
.loans-drawer__header::before {
  content: ''; position: absolute; top: 10px; left: 50%; transform: translateX(-50%);
  width: 36px; height: 4px; border-radius: 2px; background: rgba(255,255,255,.2);
}
.loans-drawer__close {
  background: rgba(255,255,255,.1); border: none; color: white;
  width: 28px; height: 28px; border-radius: 50%; cursor: pointer;
  font-size: .9rem; display: flex; align-items: center; justify-content: center;
}

.loans-drawer__item {
  display: flex; align-items: center; gap: 1rem;
  padding: .9rem 1.25rem; color: rgba(255,255,255,.8);
  border-bottom: 1px solid rgba(255,255,255,.05);
  transition: background var(--transition);
}
.loans-drawer__item:hover { background: rgba(255,255,255,.05); }
.loans-drawer__item strong { display: block; font-size: .92rem; font-weight: 600; margin-bottom: .15rem; }
.loans-drawer__item span   { font-size: .75rem; color: rgba(255,255,255,.4); }
.loans-drawer__item:hover strong { color: var(--color-secondary); }
.loans-drawer__icon {
  width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
  background: rgba(255,255,255,.08); display: flex; align-items: center;
  justify-content: center; font-size: 1.2rem;
}

/* Show drawer only on mobile (it's triggered by app nav) */
@media (min-width: 769px) {
  .loans-drawer { display: none; }
}

/* ═══════════════════════════════════════════════════════════════
   BLOG PAGE STYLES
   ═══════════════════════════════════════════════════════════════ */
.blog-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 2rem;
}
.blog-card {
  background: white; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-sm); border: 1px solid var(--color-border);
  display: flex; flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.blog-card__thumb {
  height: 200px; background: linear-gradient(135deg, var(--color-primary), var(--color-dark));
  display: flex; align-items: center; justify-content: center; font-size: 4rem;
  position: relative; overflow: hidden;
}
.blog-card__thumb img { width: 100%; height: 100%; object-fit: cover; }
.blog-card__category {
  position: absolute; top: 1rem; left: 1rem;
  background: var(--color-secondary); color: var(--color-dark);
  font-size: .7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; padding: .25rem .7rem; border-radius: 100px;
}
.blog-card__body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.blog-card__meta { font-size: .75rem; color: var(--color-muted); margin-bottom: .75rem; display: flex; gap: 1rem; }
.blog-card h3 { font-size: 1.05rem; margin-bottom: .65rem; line-height: 1.4; }
.blog-card h3 a { color: var(--color-dark); transition: color var(--transition); }
.blog-card h3 a:hover { color: var(--color-primary); }
.blog-card p { font-size: .875rem; flex: 1; margin-bottom: 1.1rem; }
.blog-card__read {
  display: inline-flex; align-items: center; gap: .35rem;
  font-size: .82rem; font-weight: 700; color: var(--color-primary);
  transition: gap var(--transition);
}
.blog-card:hover .blog-card__read { gap: .6rem; }

/* Article page styles */
.article-header { padding: 8rem 0 3rem; background: linear-gradient(135deg, var(--color-darker), var(--color-primary)); }
.article-header h1 { color: white; max-width: 760px; margin-bottom: 1rem; }
.article-meta { display: flex; gap: 1.5rem; flex-wrap: wrap; font-size: .82rem; color: rgba(255,255,255,.55); margin-top: .75rem; }
.article-meta span { display: flex; align-items: center; gap: .4rem; }
.article-body { max-width: 760px; }
.article-body h2 { margin: 2.5rem 0 1rem; font-size: 1.5rem; }
.article-body h3 { margin: 2rem 0 .75rem; font-size: 1.15rem; }
.article-body p  { margin-bottom: 1.1rem; color: var(--color-muted); line-height: 1.85; font-size: .97rem; }
.article-body ul { margin: 1rem 0 1.5rem; display: flex; flex-direction: column; gap: .5rem; }
.article-body ul li { position: relative; padding-left: 1.5rem; color: var(--color-muted); font-size: .95rem; line-height: 1.75; }
.article-body ul li::before { content: '✓'; position: absolute; left: 0; color: var(--color-success); font-weight: 800; }
.article-body blockquote {
  border-left: 3px solid var(--color-secondary);
  background: rgba(240,180,41,.07); padding: 1rem 1.25rem;
  border-radius: 0 var(--radius) var(--radius) 0; margin: 1.5rem 0;
  font-style: italic; color: var(--color-text);
}
.article-cta { background: linear-gradient(135deg,var(--color-primary),var(--color-dark)); border-radius: var(--radius-lg); padding: 2rem; color: white; text-align: center; margin: 2.5rem 0; }
.article-cta h3 { color: white; margin-bottom: .5rem; }
.article-cta p  { color: rgba(255,255,255,.7); margin-bottom: 1.25rem; }

/* ── APP NAV: loans toggle button reset ────────────────────── */
/* Button element needs explicit reset so it matches anchor siblings */
.app-nav__loans-toggle {
  background: none; border: none; cursor: pointer;
  font-family: var(--font); font-size: .62rem;
  color: rgba(255,255,255,.55); /* same as other inactive items */
  padding: .35rem .5rem;
}
.app-nav__loans-toggle:hover,
.app-nav__loans-toggle.active {
  color: var(--color-secondary);
}
.app-nav__loans-toggle.active .app-nav__icon,
.app-nav__loans-toggle:hover .app-nav__icon {
  background: rgba(240,180,41,.18);
}