/* ==========================================================================
   Ujjawala Finance — public site design system  ("Sunrise")
   Mobile-first. Palette comes from the logo: navy, gold, magenta, green.
   ========================================================================== */
:root{
  --ink:#091a3d; --navy:#0b2a5e; --navy-2:#14438f; --gold:#f2ac1c; --gold-2:#d98d08; --gold-soft:#fff4d9;
  --mag:#c2185b; --green:#1f8a3b; --green-soft:#e7f6ec;
  --bg:#f6f8fd; --card:#fff; --line:#e3e8f3; --mut:#5a6786; --soft:#eef3fb;
  --r:22px; --r-sm:14px; --pad:clamp(16px,4vw,32px); --max:1180px;
  --sh:0 1px 2px rgba(9,26,61,.05),0 10px 30px -12px rgba(9,26,61,.18);
  --sh-lg:0 30px 70px -28px rgba(9,26,61,.4);
  --hd:64px; --dock:68px;
  --font:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans Devanagari",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--hd) + 12px)}
body{margin:0;font:400 16px/1.6 var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg,picture{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
h1,h2,h3,h4{margin:0;line-height:1.15;letter-spacing:-.02em;font-weight:800}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.wrap{width:min(100% - 2*var(--pad),var(--max));margin-inline:auto}
.ico{width:1.25em;height:1.25em;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
.has-dock{padding-bottom:calc(var(--dock) + env(safe-area-inset-bottom))}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;min-height:48px;padding:0 1.4em;border:0;border-radius:999px;font-weight:700;font-size:15px;cursor:pointer;white-space:nowrap;transition:transform .2s,box-shadow .2s,background .2s}
.btn:active{transform:scale(.97)}
.btn-gold{background:linear-gradient(180deg,#ffc447,var(--gold));color:#3a2600;box-shadow:0 8px 20px -8px rgba(217,141,8,.7)}
.btn-gold:hover{box-shadow:0 12px 26px -8px rgba(217,141,8,.85);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff;box-shadow:0 8px 20px -10px rgba(11,42,94,.8)}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--line)}
.btn-ghost:hover{box-shadow:inset 0 0 0 1.5px var(--navy)}
.btn-lg{min-height:56px;font-size:16px;padding:0 1.8em}
.btn-block{width:100%}

/* ---------- header ---------- */
.hd{position:sticky;top:0;z-index:50;height:var(--hd);background:rgba(255,255,255,.82);backdrop-filter:saturate(1.6) blur(16px);-webkit-backdrop-filter:saturate(1.6) blur(16px);border-bottom:1px solid rgba(9,26,61,.06);transition:box-shadow .3s}
.hd.is-stuck{box-shadow:0 8px 30px -16px rgba(9,26,61,.35)}
.hd-in{height:100%;display:flex;align-items:center;gap:18px}
.hd-logo img{height:42px;width:auto}
.hd-nav{display:none;margin-left:auto;gap:4px}
.hd-nav a{padding:10px 14px;border-radius:999px;font-weight:600;font-size:14.5px;color:#26365c;transition:background .2s,color .2s}
.hd-nav a:hover{background:var(--soft)}
.hd-nav a[aria-current="page"]{background:var(--navy);color:#fff}
.hd-cta{display:none;gap:8px}
.hd-cta .btn{min-height:42px;font-size:14px}
.burger{margin-left:auto;width:44px;height:44px;border-radius:14px;border:0;background:var(--soft);display:grid;place-items:center;cursor:pointer}
.burger .ico{width:22px;height:22px}
@media(min-width:960px){
  :root{--hd:78px}
  .hd-logo img{height:52px}
  .hd-nav,.hd-cta{display:flex}
  .burger{display:none}
}

/* ---------- mobile drawer ---------- */
.dr{position:fixed;inset:0;z-index:90;visibility:hidden}
.dr.on{visibility:visible}
.dr-bg{position:absolute;inset:0;background:rgba(9,26,61,.55);opacity:0;transition:opacity .3s;backdrop-filter:blur(3px)}
.dr.on .dr-bg{opacity:1}
.dr-p{position:absolute;right:0;top:0;bottom:0;width:min(88vw,360px);background:#fff;padding:18px 18px calc(18px + env(safe-area-inset-bottom));transform:translateX(100%);transition:transform .35s cubic-bezier(.2,.8,.2,1);display:flex;flex-direction:column;gap:6px;overflow:auto;border-radius:28px 0 0 28px}
.dr.on .dr-p{transform:none}
.dr-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}
.dr-top img{height:40px}
.dr-x{width:42px;height:42px;border:0;border-radius:50%;background:var(--soft);display:grid;place-items:center;cursor:pointer}
.dr-p>a:not(.btn){display:flex;align-items:center;gap:14px;padding:14px;border-radius:16px;font-weight:700;font-size:16px}
.dr-p>a:not(.btn) .ico{color:var(--navy-2)}
.dr-p>a[aria-current="page"]{background:var(--soft)}
.dr-p .btn{margin-top:8px}
.dr-note{margin-top:auto;padding-top:14px;font-size:12.5px;color:var(--mut)}

/* ---------- bottom dock (phones & small tablets) ---------- */
.dock{position:fixed;left:0;right:0;bottom:0;z-index:60;height:calc(var(--dock) + env(safe-area-inset-bottom));padding:0 10px env(safe-area-inset-bottom);background:rgba(255,255,255,.9);backdrop-filter:blur(18px) saturate(1.6);-webkit-backdrop-filter:blur(18px) saturate(1.6);border-top:1px solid rgba(9,26,61,.08);display:grid;grid-template-columns:repeat(5,1fr);align-items:center}
.dock a{display:flex;flex-direction:column;align-items:center;gap:3px;font-size:11px;font-weight:700;color:#6b789a;padding:8px 0;position:relative;-webkit-tap-highlight-color:transparent}
.dock a .ico{width:23px;height:23px}
.dock a[aria-current="page"]{color:var(--navy)}
.dock a[aria-current="page"]::before{content:"";position:absolute;top:0;width:26px;height:3px;border-radius:0 0 4px 4px;background:var(--gold)}
.dock .dk-go{transform:translateY(-14px)}
.dock .dk-go span.b{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(180deg,#ffc447,var(--gold));color:#3a2600;box-shadow:0 10px 22px -6px rgba(217,141,8,.8),0 0 0 5px #fff}
.dock .dk-go .ico{width:24px;height:24px}
.dock .dk-go em{font-style:normal;margin-top:-1px;color:var(--navy)}
@media(min-width:960px){.dock{display:none}.has-dock{padding-bottom:0}}

/* ---------- reveal ---------- */
[data-r]{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0s)}
[data-r].in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){[data-r]{opacity:1;transform:none;transition:none}*{animation:none!important;scroll-behavior:auto!important}}

/* ---------- hero carousel ---------- */
.hero{position:relative;padding:12px 0 0}
.hero-stage{position:relative}
.hero-slides{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding:6px var(--pad) 8px;scroll-padding-inline:var(--pad);overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch}
.hero-slides::-webkit-scrollbar{display:none}
.slide{position:relative;flex:0 0 min(86vw,calc((100svh - var(--hd) - var(--dock) - 74px)*.5625));aspect-ratio:9/16;border-radius:26px;overflow:hidden;scroll-snap-align:center;background:#dfe8f7;box-shadow:var(--sh);transform:scale(.94);opacity:.72;transition:transform .45s cubic-bezier(.2,.8,.2,1),opacity .45s;display:block}
.slide.is-on{transform:none;opacity:1}
.slide img{width:100%;height:100%;object-fit:cover}
.hero-ui{display:flex;align-items:center;justify-content:center;gap:10px;padding:10px 0 2px}
.dots{display:flex;gap:7px;align-items:center}
.dots button{width:8px;height:8px;padding:0;border:0;border-radius:99px;background:#c3cde3;cursor:pointer;transition:width .35s,background .35s}
.dots button.on{width:28px;background:linear-gradient(90deg,var(--gold),var(--gold-2))}
.hero-arrows{display:none}
@media(min-width:760px) and (max-width:959px){.slide{flex-basis:min(60vw,calc((100svh - var(--hd) - 120px)*.5625))}}
/* desktop: cross-fade with a slow "sunrise" zoom */
@media(min-width:960px){
  .hero{padding-top:22px}
  .hero-slides{display:block;position:relative;overflow:hidden;padding:0;width:min(100% - 2*var(--pad),1320px);margin:0 auto;aspect-ratio:1920/800;border-radius:32px;box-shadow:var(--sh-lg);background:#dfe8f7}
  .slide{position:absolute;inset:0;flex:none;aspect-ratio:auto;border-radius:0;box-shadow:none;transform:none;opacity:0;visibility:hidden;transition:opacity 1s ease,visibility 1s}
  .slide.is-on{opacity:1;visibility:visible;z-index:2}
  .slide img{transform:scale(1.07);transition:transform 7s ease-out}
  .slide.is-on img{transform:scale(1)}
  .hero-ui{position:relative;margin-top:-46px;z-index:5;padding:0;justify-content:center;pointer-events:none;height:46px}
  .hero-ui>*{pointer-events:auto}
  .hero-arrows{display:flex;position:absolute;inset:0;z-index:6;pointer-events:none;align-items:center;justify-content:space-between;padding:0 max(calc(var(--pad) + 14px),calc(50% - 646px));top:calc(50% - 23px - 23px);height:46px}
  .hero-arrows button{pointer-events:auto;width:46px;height:46px;border-radius:50%;border:0;background:rgba(255,255,255,.92);color:var(--navy);display:grid;place-items:center;cursor:pointer;box-shadow:var(--sh);transition:transform .2s;opacity:0}
  .hero-stage:hover .hero-arrows button{opacity:1}
  .hero-arrows button:hover{transform:scale(1.1)}
}

/* ---------- quick actions ---------- */
.qa{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:14px}
.qa a{position:relative;display:flex;flex-direction:column;gap:6px;padding:14px;border-radius:20px;background:#fff;box-shadow:var(--sh);border:1px solid var(--line);min-height:104px;transition:transform .25s,box-shadow .25s}
.qa a:active{transform:scale(.97)}
.qa .qi{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:var(--soft);color:var(--navy)}
.qa b{font-size:15px;line-height:1.2}
.qa small{font-size:12.5px;color:var(--mut);line-height:1.35}
.qa a>div{display:flex;flex-direction:column;gap:2px;min-width:0}
.qa a.hot{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-color:transparent}
.qa a.hot small{color:#c4d3f2}
.qa a.hot .qi{background:rgba(255,255,255,.14);color:var(--gold)}
@media(min-width:960px){.qa{grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px}.qa a{flex-direction:row;align-items:center;gap:14px;padding:18px 20px;min-height:0}.qa a:hover{transform:translateY(-4px);box-shadow:var(--sh-lg)}}

/* ---------- sections ---------- */
.sec{padding:clamp(48px,8vw,96px) 0}
.sec.alt{background:#fff}
.sec.dark{background:radial-gradient(1200px 500px at 85% -10%,#1b4fa3 0,transparent 60%),linear-gradient(160deg,#0a2152,#071638);color:#fff}
.sh{max-width:680px;margin-bottom:clamp(24px,4vw,44px)}
.sh.c{margin-inline:auto;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-2);margin-bottom:12px}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--mag),var(--gold))}
.sh h2{font-size:clamp(26px,4.6vw,44px)}
.sh p{margin-top:12px;color:var(--mut);font-size:clamp(15px,1.8vw,17.5px)}
.dark .sh p{color:#b7c6e8}
.dark .eyebrow{color:var(--gold)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.stat{padding:20px 16px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.stat b{display:block;font-size:clamp(24px,4vw,36px);letter-spacing:-.03em;background:linear-gradient(120deg,var(--navy),var(--mag));-webkit-background-clip:text;background-clip:text;color:transparent}
.stat span{font-size:13.5px;color:var(--mut)}
@media(min-width:760px){.stats{grid-template-columns:repeat(4,1fr);gap:16px}}

/* loan cards */
.chips{display:flex;gap:8px;overflow-x:auto;scrollbar-width:none;margin:0 calc(-1*var(--pad)) 18px;padding:2px var(--pad)}
.chips::-webkit-scrollbar{display:none}
.chip{flex:none;min-height:42px;padding:0 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;font-weight:700;font-size:14px;color:#33466e;cursor:pointer;transition:all .25s}
.chip.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.lc-row{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 calc(-1*var(--pad));padding:4px var(--pad) 18px;scrollbar-width:none}
.lc-row::-webkit-scrollbar{display:none}
.lc{position:relative;flex:0 0 min(74vw,290px);scroll-snap-align:start;display:flex;flex-direction:column;border-radius:24px;background:#fff;overflow:hidden;border:1px solid var(--line);box-shadow:var(--sh);transition:transform .3s,box-shadow .3s}
.lc[hidden]{display:none}
.lc-img{aspect-ratio:4/3;overflow:hidden;position:relative}
.lc-img img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1)}
.lc:hover .lc-img img{transform:scale(1.07)}
.lc-img em{position:absolute;left:12px;top:12px;font-style:normal;font-size:11.5px;font-weight:800;letter-spacing:.04em;padding:5px 11px;border-radius:99px;background:rgba(255,255,255,.92);color:var(--navy)}
.lc-b{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.lc-b h3{font-size:18px}
.lc-b p{font-size:14px;color:var(--mut);flex:1}
.lc-b .go{margin-top:8px;display:inline-flex;align-items:center;gap:8px;font-weight:800;color:var(--navy);font-size:14.5px}
.lc-b .go .ico{transition:transform .25s}
.lc:hover .go .ico{transform:translateX(5px)}
@media(min-width:960px){
  .lc-row{display:grid;grid-template-columns:repeat(4,1fr);margin:0;padding:4px 0 0;gap:20px;overflow:visible}
  .lc{flex:none}
  .lc:hover{transform:translateY(-6px);box-shadow:var(--sh-lg)}
  .chips{margin:0 0 24px;padding:0;flex-wrap:wrap}
}

/* steps */
.steps{display:grid;gap:14px;counter-reset:s}
.step{position:relative;display:flex;gap:16px;padding:20px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.step::before{counter-increment:s;content:counter(s);flex:none;width:46px;height:46px;border-radius:16px;display:grid;place-items:center;font-weight:800;font-size:19px;color:#fff;background:linear-gradient(140deg,var(--mag),var(--navy))}
.step h3{font-size:18px;margin-bottom:4px}
.step p{font-size:14.5px;color:var(--mut)}
@media(min-width:900px){.steps{grid-template-columns:repeat(4,1fr);gap:18px}.step{flex-direction:column;padding:26px 22px}.step:not(:last-child)::after{content:"";position:absolute;top:48px;left:calc(22px + 56px);right:-18px;height:2px;background:repeating-linear-gradient(90deg,var(--gold) 0 6px,transparent 6px 12px);z-index:1}}

/* calculator */
.calc{display:grid;gap:18px}
.calc-in,.calc-out{border-radius:28px;padding:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.calc-in{display:grid;gap:22px;align-content:start;color:var(--ink)}
.cf label{display:flex;justify-content:space-between;align-items:baseline;font-weight:700;font-size:14.5px;margin-bottom:10px}
.cf output{font-size:20px;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.cf small{display:flex;justify-content:space-between;margin-top:6px;font-size:12px;color:var(--mut)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:30px;background:transparent;cursor:pointer;--p:50%}
input[type=range]::-webkit-slider-runnable-track{height:8px;border-radius:99px;background:linear-gradient(90deg,var(--gold) var(--p),#e1e7f3 var(--p))}
input[type=range]::-moz-range-track{height:8px;border-radius:99px;background:#e1e7f3}
input[type=range]::-moz-range-progress{height:8px;border-radius:99px;background:var(--gold)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-10px;border-radius:50%;background:#fff;border:7px solid var(--navy);box-shadow:0 4px 12px rgba(9,26,61,.35)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:7px solid var(--navy)}
.calc-out{display:grid;gap:18px;justify-items:center;text-align:center;background:linear-gradient(160deg,var(--navy),#0a2152);color:#fff;border:0}
.donut{--a:60;width:min(220px,62vw);aspect-ratio:1;border-radius:50%;display:grid;place-items:center;background:conic-gradient(var(--gold) calc(var(--a)*1%),rgba(255,255,255,.18) 0);transition:background .4s}
.donut>div{width:76%;aspect-ratio:1;border-radius:50%;background:#0b2557;display:flex;flex-direction:column;align-items:center;justify-content:center}
.donut small{font-size:12px;color:#aebfe3}
.donut b{font-size:clamp(22px,6vw,30px);letter-spacing:-.03em}
.calc-kv{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.calc-kv div{padding:12px;border-radius:16px;background:rgba(255,255,255,.08);text-align:left}
.calc-kv small{display:flex;align-items:center;gap:6px;font-size:12px;color:#aebfe3}
.calc-kv i{width:9px;height:9px;border-radius:50%;background:var(--gold)}
.calc-kv div:first-child i{background:rgba(255,255,255,.45)}
.calc-kv b{font-size:16px}
.calc-out .btn{width:100%}
.fine{font-size:12px;color:var(--mut);line-height:1.5}
.calc-out .fine{color:#9db0d9}
@media(min-width:900px){.calc{grid-template-columns:1.1fr .9fr;gap:24px}.calc-in,.calc-out{padding:34px}}

/* feature grid, tick lists */
.feat{display:grid;gap:14px}
.fi{display:flex;gap:14px;padding:20px;border-radius:22px;background:#fff;border:1px solid var(--line)}
.dark .fi{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.12)}
.fi .qi{flex:none;width:46px;height:46px;border-radius:15px;display:grid;place-items:center;background:var(--gold-soft);color:var(--gold-2)}
.dark .fi .qi{background:rgba(242,172,28,.16);color:var(--gold)}
.fi h3{font-size:17px;margin-bottom:3px}
.fi p{font-size:14.5px;color:var(--mut)}
.dark .fi p{color:#b7c6e8}
@media(min-width:760px){.feat{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.feat.f3{grid-template-columns:repeat(3,1fr)}}
.ticks{display:grid;gap:10px}
.ticks li{display:flex;gap:12px;align-items:flex-start;font-size:15px}
.ticks li::before{content:"";flex:none;width:22px;height:22px;margin-top:1px;border-radius:50%;background:var(--green-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231f8a3b' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12.5 4 4 8-9'/%3E%3C/svg%3E") center/14px no-repeat}

/* cards / panels */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:clamp(20px,3vw,32px);box-shadow:var(--sh)}
.grid2{display:grid;gap:18px}
@media(min-width:900px){.grid2{grid-template-columns:1fr 1fr;gap:24px}}
.kv{display:grid;gap:0}
.kv div{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px dashed var(--line);font-size:14.5px}
.kv div:last-child{border:0}
.kv span{color:var(--mut)}
.kv b{text-align:right}

/* accordion */
.faq{display:grid;gap:10px;max-width:820px;margin-inline:auto}
details.q{border-radius:18px;background:#fff;border:1px solid var(--line);overflow:hidden;transition:box-shadow .3s}
details.q[open]{box-shadow:var(--sh)}
details.q summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px;padding:18px 20px;font-weight:700;font-size:15.5px}
details.q summary::-webkit-details-marker{display:none}
details.q summary::after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--soft);color:var(--navy);font-size:20px;line-height:1;transition:transform .3s,background .3s}
details.q[open] summary::after{transform:rotate(45deg);background:var(--gold)}
details.q .a{padding:0 20px 18px;color:var(--mut);font-size:14.5px}

/* tabs */
.tabs{display:flex;gap:8px;overflow-x:auto;scrollbar-width:none;margin-bottom:18px;padding:5px;border-radius:999px;background:var(--soft);width:max-content;max-width:100%}
.tabs::-webkit-scrollbar{display:none}
.tabs button{flex:none;min-height:42px;padding:0 20px;border:0;border-radius:999px;background:transparent;font-weight:700;font-size:14.5px;color:#4a5c85;cursor:pointer;transition:all .25s}
.tabs button.on{background:#fff;color:var(--navy);box-shadow:var(--sh)}
.tp{display:none}.tp.on{display:block;animation:fu .45s both}
@keyframes fu{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* cta band */
.cta{position:relative;overflow:hidden;border-radius:32px;padding:clamp(28px,5vw,56px);background:linear-gradient(135deg,var(--navy) 0,#102f6e 55%,#4b1c64 120%);color:#fff;display:grid;gap:18px}
.cta::before{content:"";position:absolute;right:-60px;top:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(242,172,28,.55),transparent 65%)}
.cta h2{font-size:clamp(24px,4.2vw,38px);position:relative;max-width:560px}
.cta p{color:#c3d1f0;position:relative;max-width:520px}
.cta .row{display:flex;flex-wrap:wrap;gap:10px;position:relative}

/* page hero (inner pages) */
.ph{padding:clamp(26px,5vw,56px) 0 clamp(18px,3vw,30px);background:linear-gradient(180deg,#fff,var(--bg));position:relative;overflow:hidden}
.ph::after{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(242,172,28,.28),transparent 65%);pointer-events:none}
.crumb{display:flex;gap:8px;font-size:13px;color:var(--mut);margin-bottom:12px}
.crumb a:hover{color:var(--navy)}
.ph h1{font-size:clamp(30px,6vw,52px);max-width:760px}
.ph p{margin-top:12px;color:var(--mut);font-size:clamp(15px,2vw,18px);max-width:620px}

/* ---------- forms ---------- */
.fld{display:grid;gap:7px}
.fld label,.form-field>label:not(.check){font-size:13.5px;font-weight:700;color:#2a3b63}
.fld input,.fld select,.fld textarea,.form-field input:not([type=checkbox]):not([type=hidden]),.form-field select{width:100%;min-height:52px;padding:0 16px;border-radius:14px;border:1.5px solid var(--line);background:#fff;font-size:16px;transition:border-color .2s,box-shadow .2s;appearance:none;-webkit-appearance:none}
.fld textarea{padding:14px 16px;min-height:96px;resize:vertical}
.fld select,.form-field select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235a6786' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right 14px center/18px no-repeat;padding-right:42px}
.fld input:focus,.fld select:focus,.fld textarea:focus,.form-field input:focus,.form-field select:focus{outline:0;border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(20,67,143,.14)}
.fld .err,.field-error{min-height:0;font-size:12.5px;color:#c62828;font-weight:600}
.field-error:empty{display:none}
[aria-invalid=true]{border-color:#e05252!important;background:#fff7f7!important}
.two{display:grid;gap:14px}
@media(min-width:640px){.two{grid-template-columns:1fr 1fr}}
.msg{padding:14px 16px;border-radius:14px;font-size:14.5px;font-weight:600;background:var(--green-soft);color:#14612a}
.msg.bad{background:#fdecec;color:#a62222}
.msg:empty{display:none}

/* ---------- footer ---------- */
.ft{background:#071638;color:#c1cdea;padding:clamp(44px,7vw,80px) 0 28px;position:relative;overflow:hidden}
.ft::before{content:"";position:absolute;left:-100px;top:-160px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(194,24,91,.28),transparent 65%)}
.ft-g{display:grid;gap:30px;position:relative}
.ft img.fl{height:56px;width:auto;margin-bottom:14px}
.ft h4{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.ft li{margin-bottom:9px;font-size:14.5px}
.ft a:hover{color:var(--gold)}
.ft .ct li{display:flex;gap:10px;align-items:flex-start}
.ft .ct .ico{margin-top:3px;color:var(--gold)}
.sub{display:flex;gap:8px;margin-top:14px}
.sub input{flex:1;min-width:0;min-height:48px;padding:0 16px;border-radius:999px;border:1.5px solid rgba(255,255,255,.18);background:rgba(255,255,255,.07);color:#fff;font-size:16px}
.sub input::placeholder{color:#8fa1cc}
.sub-msg{font-size:13px;margin-top:8px;color:#8be0a3;min-height:0}
.sub-msg.error{color:#ff9d9d}
.legal{margin-top:34px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:12.5px;line-height:1.7;color:#93a5d0;position:relative}
.legal strong{color:#dfe8fb}
.legal h4{margin-bottom:8px}
.ft-bot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;margin-top:22px;font-size:13px;color:#93a5d0}
@media(min-width:900px){.ft-g{grid-template-columns:1.4fr .8fr .9fr 1.2fr;gap:40px}}

/* ---------- apply wizard (markup + ids are used by apply.js — styling only) ---------- */
.ap{padding:18px 0 40px}
.ap-grid{display:grid;gap:20px;align-items:start}
.ap-side{display:none}
@media(min-width:1000px){.ap-grid{grid-template-columns:340px 1fr;gap:34px}.ap-side{display:grid;gap:16px;position:sticky;top:calc(var(--hd) + 20px)}}
.ap-side .pic{border-radius:26px;overflow:hidden;aspect-ratio:4/3;box-shadow:var(--sh)}
.ap-side .pic img{width:100%;height:100%;object-fit:cover}
.apply-card{background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--sh);overflow:hidden}
.apply-banner{padding:22px 22px 8px}
.apply-banner h2{font-size:clamp(21px,4vw,28px)}
.apply-banner p{margin-top:6px;color:var(--mut);font-size:14.5px}
.ax-progress{padding:14px 18px 6px;position:relative}
.ax-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:6px}
.ax-step-btn{width:100%;display:flex;flex-direction:column;align-items:center;gap:6px;padding:0;border:0;background:none;cursor:pointer;text-align:center}
.ax-step-btn:disabled{cursor:not-allowed}
.ax-dot{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--soft);color:#7d8cb0;border:2px solid transparent;transition:all .3s;position:relative}
.ax-dot svg{grid-area:1/1;width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round;transition:opacity .25s,transform .3s}
.ax-dot .ax-tick,.ax-dot .ax-lock{opacity:0;transform:scale(.4)}
.is-current .ax-dot{background:var(--navy);color:#fff;box-shadow:0 0 0 5px rgba(11,42,94,.14)}
.is-done .ax-dot{background:var(--green);color:#fff}
.is-done .ax-dot svg:not(.ax-tick){opacity:0}
.is-done .ax-dot .ax-tick{opacity:1;transform:none}
.is-locked .ax-dot svg:not(.ax-lock){opacity:0}
.is-locked .ax-dot .ax-lock{opacity:.8;transform:none}
.ax-lbl{display:flex;flex-direction:column;line-height:1.2}
.ax-lbl small{display:none}
.ax-lbl b{font-size:12.5px;color:#2a3b63}
.ax-lbl em{display:none;font-style:normal;font-size:11.5px;color:var(--mut)}
.is-locked .ax-lbl b{color:#8a97b8}
@media(min-width:640px){.ax-lbl em{display:block}.ax-lbl b{font-size:13.5px}}
.ax-track{height:5px;border-radius:9px;background:var(--soft);margin-top:14px;overflow:hidden}
.ax-track i{display:block;height:100%;width:25%;border-radius:9px;background:linear-gradient(90deg,var(--mag),var(--gold));transition:width .5s cubic-bezier(.2,.8,.2,1)}
.ax-panel{border:0;margin:0;padding:12px 22px 6px;min-width:0;display:grid;gap:16px;animation:fu .45s both}
.ax-panel[hidden]{display:none}
.ax-panel>legend,.form-section-title{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.ax-panel-head{padding-top:8px}
.ax-chip{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-2);background:var(--gold-soft);padding:4px 11px;border-radius:99px}
.ax-panel-head h3{font-size:22px;margin-top:10px}
.ax-panel-head p{color:var(--mut);font-size:14.5px;margin-top:4px}
.form-field{display:grid;gap:7px;min-width:0}
.req{color:#d2336b}
.input-prefix{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:14px;background:#fff;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.input-prefix:focus-within{border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(20,67,143,.14)}
.input-prefix>span{padding:0 4px 0 16px;font-weight:800;color:var(--navy)}
.input-prefix input{border:0!important;box-shadow:none!important;background:transparent!important}
.check{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;color:#33466e;cursor:pointer;min-height:36px}
.check input{width:20px;height:20px;accent-color:var(--navy);flex:none}
.combo{position:relative}
.combo-trigger{width:100%;min-height:52px;display:flex;align-items:center;justify-content:space-between;gap:10px;padding:0 14px 0 16px;border-radius:14px;border:1.5px solid var(--line);background:#fff;cursor:pointer;text-align:left;font-size:16px}
.combo.is-open .combo-trigger{border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(20,67,143,.14)}
.combo-trigger svg{width:18px;height:18px;fill:none;stroke:var(--mut);stroke-width:2.2;transition:transform .25s}
.combo.is-open .combo-trigger svg{transform:rotate(180deg)}
.combo-placeholder{color:#8a97b8}
.combo-value{display:flex;align-items:center;gap:10px;min-width:0}
.combo-panel{position:absolute;left:0;right:0;top:calc(100% + 8px);z-index:20;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--sh-lg);overflow:hidden}
.combo-panel[hidden]{display:none}
.combo-search-wrap{display:flex;align-items:center;gap:8px;padding:10px 14px;border-bottom:1px solid var(--line)}
.combo-search-wrap svg{width:18px;height:18px;fill:none;stroke:var(--mut);stroke-width:2;flex:none}
.combo-panel input.combo-search{border:0!important;min-height:40px!important;padding:0!important;box-shadow:none!important}
.combo-list{max-height:min(46vh,300px);overflow:auto;overscroll-behavior:contain;padding:6px}
.combo-option{display:flex;align-items:center;gap:12px;padding:10px;border-radius:12px;cursor:pointer;font-size:15px}
.combo-option:hover,.combo-option.is-active,.combo-option[aria-selected=true]{background:var(--soft)}
.combo-empty{padding:14px;font-size:13.5px;color:var(--mut)}
.bank-badge{position:relative;flex:none;width:34px;height:34px;border-radius:10px;display:grid;place-items:center;color:#fff;font-size:10.5px;font-weight:800;overflow:hidden}
.bank-badge.is-long{font-size:8.5px}
.bank-badge img{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;background:#fff;padding:3px;opacity:0}
.bank-badge.has-logo img{opacity:1}
.bank-other,input.bank-other{margin-top:8px}
.consent{padding:0 22px;font-size:12.5px;color:var(--mut);line-height:1.55}
.consent a{color:var(--navy-2);text-decoration:underline}
.consent[hidden]{display:none}
.ax-nav{position:sticky;bottom:0;z-index:30;display:flex;gap:10px;padding:14px 22px calc(14px + env(safe-area-inset-bottom));background:linear-gradient(180deg,rgba(255,255,255,0),#fff 28%);margin-top:6px}
.ax-nav button{flex:1;min-height:54px;border-radius:999px;border:0;font-weight:800;font-size:16px;display:inline-flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;transition:transform .2s}
.ax-nav button:active{transform:scale(.97)}
.ax-nav button[hidden]{display:none}
.ax-nav svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.ax-back{flex:0 0 auto!important;padding:0 18px;background:var(--soft);color:var(--navy)}
@media(max-width:430px){.ax-nav{padding-left:16px;padding-right:16px;gap:8px}.ax-nav button{font-size:15px;white-space:nowrap}.ax-nav svg{width:17px;height:17px}}
.ax-next,.ax-submit{background:linear-gradient(180deg,#ffc447,var(--gold));color:#3a2600;box-shadow:0 10px 22px -8px rgba(217,141,8,.8)}
.ax-safe{display:flex;align-items:center;justify-content:center;gap:8px;padding:0 22px 20px;font-size:12.5px;color:var(--mut)}
.ax-safe svg{width:15px;height:15px;fill:none;stroke:var(--green);stroke-width:2}
.form-status{margin:0 22px 18px;padding:0;font-size:14px;font-weight:600;color:#14612a}
.form-status.error{padding:12px 14px;border-radius:12px;background:#fdecec;color:#a62222}
.form-status:empty{display:none}
body.pg-apply .dock{display:none}
body.pg-apply.has-dock{padding-bottom:0}

/* ---------- login ---------- */
.lg{min-height:calc(100svh - var(--hd));display:grid;align-items:center;padding:20px 0 40px;background:radial-gradient(700px 420px at 85% 0,rgba(242,172,28,.22),transparent 60%),radial-gradient(600px 400px at 0 100%,rgba(194,24,91,.12),transparent 60%),var(--bg)}
.lg-g{display:grid;gap:26px;align-items:center}
.lg-card{background:#fff;border:1px solid var(--line);border-radius:30px;padding:clamp(22px,4vw,38px);box-shadow:var(--sh-lg)}
.lg-card .em{width:62px;margin-bottom:14px}
.lg-card h1{font-size:clamp(24px,4.4vw,32px)}
.lg-card .lead{color:var(--mut);margin:8px 0 22px;font-size:15px}
.lg-form{display:grid;gap:16px}
.lg-field{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:14px;background:#fff;transition:border-color .2s,box-shadow .2s;overflow:hidden}
.lg-field:focus-within{border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(20,67,143,.14)}
.lg-field.is-ok{border-color:var(--green)}
.lg-field.is-bad{border-color:#e05252;background:#fff7f7}
.lg-prefix{padding:0 4px 0 16px;font-weight:800;color:var(--navy)}
.lg-field input{flex:1;min-width:0;min-height:54px;border:0;background:transparent;padding:0 14px 0 8px;font-size:17px;letter-spacing:.02em;outline:0}
.lg-count{padding-right:14px;font-size:12px;color:var(--mut)}
.lg-lab{font-size:13.5px;font-weight:700;color:#2a3b63;margin-bottom:-6px}
.lg-hint{font-size:12.5px;color:var(--mut);margin-top:-8px}
.lg-error{display:none;padding:12px 14px;border-radius:12px;background:#fdecec;color:#a62222;font-size:14px;font-weight:600}
.lg-error.show{display:block}
#loginBtn.is-busy{opacity:.7;pointer-events:none}
.lg-or{display:flex;align-items:center;gap:12px;margin:20px 0 14px;font-size:13px;color:var(--mut)}
.lg-or::before,.lg-or::after{content:"";flex:1;height:1px;background:var(--line)}
.lg-tip{display:flex;gap:10px;margin-top:18px;padding:12px 14px;border-radius:14px;background:var(--gold-soft);font-size:13px;color:#6b4a06}
.lg-tip .ico{color:var(--gold-2);margin-top:2px}
.lg-enc{display:flex;gap:8px;align-items:center;justify-content:center;margin-top:16px;font-size:12.5px;color:var(--mut)}
.lg-side{display:none}
@media(min-width:960px){.lg-g{grid-template-columns:1fr 480px;gap:60px}.lg-side{display:block}.lg-side h2{font-size:clamp(32px,4vw,46px);margin:10px 0 24px}.lg-side .feat{grid-template-columns:1fr}}

/* eligibility result */
.el-res{display:none;margin-top:18px;padding:22px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.el-res.on{display:block;animation:fu .5s both}
.el-badge{display:inline-block;font-size:12px;font-weight:800;padding:5px 12px;border-radius:99px;letter-spacing:.04em}
.el-badge.a{background:var(--green-soft);color:#14612a}.el-badge.b{background:var(--gold-soft);color:#7a5200}.el-badge.c,.el-badge.d{background:#e9f0ff;color:#1b3f8a}
.el-big{font-size:clamp(22px,4.5vw,30px);font-weight:800;margin:12px 0 6px;letter-spacing:-.02em}
.el-sub{color:var(--mut);font-size:14.5px}
.el-kv{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0}
.el-kv div{padding:14px;border-radius:16px;background:var(--soft)}
.el-kv small{display:block;font-size:12px;color:var(--mut)}
.el-kv b{font-size:16px}
.el-fine{margin-top:14px;font-size:12px;color:var(--mut)}

/* offices & testimonials */
.say-row{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 calc(-1*var(--pad));padding:4px var(--pad) 16px;scrollbar-width:none}
.say-row::-webkit-scrollbar{display:none}
.say{flex:0 0 min(82vw,360px);scroll-snap-align:start;padding:22px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh);display:flex;flex-direction:column;gap:14px}
.say p{font-size:15px;color:#33466e;flex:1}
.say .who{display:flex;gap:12px;align-items:center}
.av{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#fff;background:linear-gradient(140deg,var(--mag),var(--navy))}
.say small{display:block;color:var(--mut);font-size:12.5px}
.tag{font-size:12px;font-weight:800;color:var(--gold-2);background:var(--gold-soft);padding:4px 10px;border-radius:99px;align-self:flex-start}
@media(min-width:960px){.say-row{display:grid;grid-template-columns:repeat(3,1fr);margin:0;padding:0;overflow:visible}.say{flex:none}}
.offices{display:grid;gap:12px}
.of{display:flex;gap:14px;padding:18px;border-radius:20px;background:#fff;border:1px solid var(--line)}
.of .qi{flex:none;width:44px;height:44px;border-radius:14px;display:grid;place-items:center;background:var(--soft);color:var(--navy)}
.of b{display:block;font-size:16px}
.of p{font-size:13.5px;color:var(--mut);margin:2px 0 6px}
.of a{font-size:13.5px;font-weight:800;color:var(--navy-2)}
@media(min-width:760px){.offices{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1060px){.offices{grid-template-columns:repeat(3,1fr)}}
.founder{display:flex;align-items:center;gap:14px;margin-top:20px;padding:16px;border-radius:20px;background:#fff;border:1px solid var(--line);width:fit-content;max-width:100%}
.founder .av{width:54px;height:54px;font-size:18px}

/* tap-to-call helpline links */
a[data-helpline-tel]{text-decoration:underline;text-decoration-color:rgba(242,172,28,.7);text-underline-offset:3px;text-decoration-thickness:1.5px}
a.tel{font-weight:800;color:var(--navy-2)}
.ft a[data-helpline-tel]{color:#fff;font-weight:700}
.ft a[data-helpline-tel]:hover{color:var(--gold)}
.dr-note a.tel{color:var(--navy-2)}