/* HIR ads site — brand: deep navy + HIR sky blue (from logo) */
:root {
  --ink: #0A1033;
  --navy-950: #060C3A;
  --navy-900: #0A1360;
  --navy: #0F1B7F;
  --navy-700: #1B2A9E;
  --sky: #00B2EC;
  --sky-300: #5FD2F7;
  --sky-50: #E8F8FE;
  --sky-text: #006F99;        /* sky readable on white (AA) */
  --gold: #FFC53D;
  --paper: #F4F7FC;
  --white: #FFFFFF;
  --line: #E1E7F2;
  --muted: #56607D;
  --muted-dark: #A9B4D9;
  --green: #16A34A;
  --red: #DC2626;

  --display: "Bricolage Grotesque", "Manrope", system-ui, sans-serif;
  --body: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;

  --r-sm: 10px;
  --r: 16px;
  --r-lg: 24px;
  --r-xl: 32px;
  --shadow: 0 1px 2px rgba(10,16,51,.06), 0 8px 24px -8px rgba(10,16,51,.12);
  --shadow-lg: 0 2px 4px rgba(10,16,51,.06), 0 24px 60px -20px rgba(10,16,51,.35);
  --ease: cubic-bezier(.2,.7,.2,1);
  --gutter: clamp(16px, 4vw, 32px);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button { font: inherit; cursor: pointer; }
h1, h2, h3, h4 { margin: 0; font-family: var(--display); letter-spacing: -0.02em; line-height: 1.08; }
p { margin: 0; }
[hidden] { display: none !important; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 6px; }

.wrap { width: 100%; max-width: 1200px; margin-inline: auto; padding-inline: var(--gutter); }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 100; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 8px; }
.skip:focus { left: 8px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 12px 22px; border-radius: 999px; border: 1.5px solid transparent;
  font-weight: 700; font-size: 15px; line-height: 1.2; text-decoration: none; white-space: nowrap;
  transition: transform .2s var(--ease), background-color .2s, box-shadow .2s, color .2s, border-color .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--sm { padding: 9px 18px; font-size: 14px; }
.btn--lg { padding: 16px 28px; font-size: 16px; }
.btn--block { width: 100%; }
.btn--primary { background: var(--sky); color: var(--ink); box-shadow: 0 8px 24px -8px rgba(0,178,236,.7); }
.btn--primary:hover { background: #22C0F2; box-shadow: 0 12px 28px -8px rgba(0,178,236,.8); }
.btn--ghost { background: rgba(255,255,255,.06); color: #fff; border-color: rgba(255,255,255,.28); }
.btn--ghost:hover { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.5); }
.btn--dark { background: var(--navy); color: #fff; }
.btn--dark:hover { background: var(--navy-700); }

/* ---------- Announcement ---------- */
.announce { background: var(--navy-950); color: #D5DDF7; font-size: 13.5px; }
.announce__inner { display: flex; align-items: center; justify-content: center; gap: 10px; padding-block: 9px; flex-wrap: wrap; text-align: center; }
.announce strong { color: #fff; }
.announce__link { color: var(--sky-300); text-decoration: none; font-weight: 700; }
.announce__link:hover { text-decoration: underline; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--sky); box-shadow: 0 0 0 4px rgba(0,178,236,.25); animation: pulse 2s infinite; }
@keyframes pulse { 50% { box-shadow: 0 0 0 7px rgba(0,178,236,0); } }
@media (max-width: 560px) { .announce__link, .dot { display: none; } .announce { font-size: 13px; } }

/* ---------- Nav ---------- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.86); backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.nav.is-scrolled { border-color: var(--line); box-shadow: 0 6px 24px -18px rgba(10,16,51,.4); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 72px; }
.nav__logo img { height: 36px; width: auto; }
.nav__links { display: flex; gap: 30px; font-size: 15px; font-weight: 600; }
.nav__links a { position: relative; text-decoration: none; color: var(--muted); transition: color .2s; }
.nav__links a:hover { color: var(--navy); }
.nav__links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 2px; border-radius: 2px; background: var(--sky); transform: scaleX(0); transition: transform .25s var(--ease); }
.nav__links a.is-active { color: var(--navy); }
.nav__links a.is-active::after { transform: scaleX(1); }
.nav__cta { display: flex; align-items: center; gap: 18px; }
.nav__login { font-weight: 700; font-size: 15px; text-decoration: none; color: var(--navy); }
.nav__toggle { display: none; width: 44px; height: 44px; border: 0; background: transparent; position: relative; }
.nav__toggle span { position: absolute; left: 11px; right: 11px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s var(--ease), top .25s; }
.nav__toggle span:first-child { top: 17px; }
.nav__toggle span:last-child { top: 25px; }
.nav__toggle[aria-expanded="true"] span:first-child { top: 21px; transform: rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:last-child { top: 21px; transform: rotate(-45deg); }
/* Overlays the page (no layout shift), so scroll position and the active link survive opening it. */
.mobile-menu { position: absolute; top: 100%; left: 0; right: 0; display: grid; padding: 8px var(--gutter) 20px; border-top: 1px solid var(--line); background: #fff; box-shadow: 0 24px 40px -20px rgba(10,16,51,.35); max-height: calc(100vh - 120px); overflow-y: auto; }
.mobile-menu a { position: relative; padding: 14px 0; font-weight: 700; font-size: 17px; text-decoration: none; border-bottom: 1px solid var(--line); transition: padding-left .2s var(--ease), color .2s; }
.mobile-menu a.is-active { color: var(--navy); padding-left: 16px; }
.mobile-menu a.is-active::before { content: ""; position: absolute; left: 0; top: 50%; width: 4px; height: 20px; margin-top: -10px; border-radius: 4px; background: var(--sky); }
@media (max-width: 960px) {
  .nav__links, .nav__login { display: none; }
  .nav__toggle { display: block; }
  .nav__cta { gap: 6px; }
}
@media (max-width: 420px) {
  .nav__logo img { height: 30px; }
  .nav__cta .btn { padding: 9px 14px; font-size: 13.5px; }
}

/* ---------- Eyebrow / section heads ---------- */
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--sky-text); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 18px; height: 2px; background: currentColor; border-radius: 2px; }
.eyebrow--dark { color: var(--sky-300); }

.section { padding-block: clamp(72px, 10vw, 128px); }
.section--paper { background: var(--paper); }
.section--navy { background: var(--navy-900); color: #fff; position: relative; overflow: hidden; }
.section--navy::before { content: ""; position: absolute; inset: 0; background: radial-gradient(60% 60% at 90% 10%, rgba(0,178,236,.18), transparent 60%), radial-gradient(50% 60% at 0% 100%, rgba(27,42,158,.7), transparent 70%); pointer-events: none; }
.section--navy > .wrap { position: relative; }
.section__head { max-width: 680px; margin-bottom: clamp(36px, 5vw, 56px); }
.section__head--center { margin-inline: auto; text-align: center; }
.section__title { font-size: clamp(34px, 5vw, 56px); font-weight: 800; }
.section__title em, .hero__title em, .final em { font-style: normal; color: var(--sky); }
.section__lede { margin-top: 18px; font-size: clamp(17px, 1.6vw, 19px); color: var(--muted); max-width: 60ch; }
.section--navy .section__lede { color: var(--muted-dark); }
.section__lede a { color: var(--sky-text); font-weight: 700; }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--navy-900); color: #fff; overflow: hidden; padding-block: clamp(56px, 8vw, 104px) clamp(72px, 9vw, 120px); isolation: isolate; }
.hero__bg { position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(55% 70% at 80% 30%, rgba(0,178,236,.28), transparent 60%),
    radial-gradient(40% 60% at 10% 90%, rgba(27,42,158,.9), transparent 70%),
    linear-gradient(180deg, var(--navy-950), var(--navy-900));
}
.hero__bg::after { content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(70% 70% at 70% 40%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(70% 70% at 70% 40%, #000 20%, transparent 75%);
}
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero__title { font-size: clamp(42px, 6.6vw, 80px); font-weight: 800; letter-spacing: -0.035em; line-height: 1.0; }
.hero__lede { margin-top: 24px; font-size: clamp(17px, 1.7vw, 20px); color: #C9D2F2; max-width: 34em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }
.hero__proof { list-style: none; padding: 0; margin: 32px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: 14.5px; font-weight: 600; color: #D5DDF7; }
.hero__proof li { display: flex; align-items: center; gap: 8px; }
.hero__proof svg { width: 18px; height: 18px; fill: var(--sky); flex: none; }

/* Phone mockup */
.hero__visual { position: relative; display: flex; justify-content: center; padding-block: 20px; }
.phone { position: relative; width: 300px; aspect-ratio: 300 / 610; border-radius: 46px; padding: 12px; background: linear-gradient(145deg, #2A2F4A, #0B0E1F); box-shadow: 0 0 0 1.5px rgba(255,255,255,.12) inset, 0 40px 80px -20px rgba(0,0,0,.6), 0 0 120px -20px rgba(0,178,236,.45); transform: rotate(-4deg); animation: floaty 7s ease-in-out infinite; }
@keyframes floaty { 50% { transform: rotate(-4deg) translateY(-10px); } }
.phone__notch { position: absolute; top: 20px; left: 50%; width: 92px; height: 26px; transform: translateX(-50%); background: #05060F; border-radius: 20px; z-index: 2; }
.app { height: 100%; border-radius: 36px; background: #F3F6FC; color: var(--ink); overflow: hidden; padding: 58px 16px 16px; display: flex; flex-direction: column; gap: 14px; font-size: 12px; }
.app__top { display: flex; justify-content: space-between; align-items: center; }
.app__hello { color: var(--muted); font-size: 11.5px; }
.app__name { font-family: var(--display); font-weight: 700; font-size: 18px; }
.app__avatar { width: 36px; height: 36px; border-radius: 50%; background: linear-gradient(135deg, var(--sky), var(--navy)); color: #fff; display: grid; place-items: center; font-weight: 800; }
.app__card { border-radius: 20px; padding: 16px; color: #fff; background: radial-gradient(120% 120% at 100% 0%, var(--sky) 0%, var(--navy) 55%, var(--navy-950) 100%); box-shadow: 0 12px 24px -12px rgba(15,27,127,.8); }
.app__label { font-size: 11px; opacity: .8; }
.app__balance { font-family: var(--display); font-size: 27px; font-weight: 800; letter-spacing: -0.02em; margin-top: 2px; font-variant-numeric: tabular-nums; }
.app__balance span { opacity: .6; font-size: 18px; }
.app__goal { margin-top: 14px; }
.app__goal-row { display: flex; justify-content: space-between; font-size: 11px; opacity: .9; margin-bottom: 6px; }
.app__bar { height: 6px; background: rgba(255,255,255,.2); border-radius: 6px; overflow: hidden; }
.app__bar i { display: block; height: 100%; background: var(--gold); border-radius: 6px; }
.app__actions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; text-align: center; font-weight: 700; font-size: 11px; }
.app__actions div { display: grid; justify-items: center; gap: 6px; }
.app__actions b { width: 42px; height: 42px; border-radius: 14px; background: #fff; box-shadow: var(--shadow); position: relative; }
.app__actions b::after { content: ""; position: absolute; inset: 13px; border-radius: 4px; }
.i-save::after { background: var(--sky); border-radius: 50% !important; }
.i-borrow::after { background: var(--navy); }
.i-home::after { background: var(--gold); clip-path: polygon(50% 0, 100% 45%, 100% 100%, 0 100%, 0 45%); border-radius: 0 !important; }
.i-more::after { background: radial-gradient(circle, var(--muted) 2px, transparent 2.5px) 0 50%/8px 8px repeat-x; inset: 13px 11px !important; }
.app__list-title { font-weight: 800; font-size: 12.5px; margin-top: 2px; }
.app__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.app__list li { display: flex; align-items: center; gap: 10px; background: #fff; border-radius: 14px; padding: 10px 12px; }
.app__list div { flex: 1; display: grid; line-height: 1.3; }
.app__list b { font-size: 12px; }
.app__list small { color: var(--muted); font-size: 10.5px; }
.app__list em { font-style: normal; font-weight: 800; color: var(--green); font-variant-numeric: tabular-nums; }
.app__list em.neg { color: var(--ink); }
.tx { width: 30px; height: 30px; border-radius: 10px; flex: none; }
.tx--in { background-color: #DCFCE7; background-image: linear-gradient(var(--green), var(--green)), linear-gradient(var(--green), var(--green)); background-size: 12px 2px, 2px 12px; background-position: center; background-repeat: no-repeat; }
.tx--out { background: #E0E7FF linear-gradient(var(--navy), var(--navy)) center/12px 2px no-repeat; }

.float { position: absolute; background: rgba(255,255,255,.97); color: var(--ink); border-radius: 18px; padding: 12px 16px; box-shadow: var(--shadow-lg); font-size: 12.5px; line-height: 1.3; }
.float small { display: block; color: var(--muted); font-size: 11.5px; font-weight: 600; }
.float b { font-family: var(--display); font-size: 17px; font-weight: 800; }
.float--a { left: -4%; top: 2%; display: flex; gap: 12px; align-items: center; animation: floaty2 6s ease-in-out infinite; }
.float__icon { width: 34px; height: 34px; border-radius: 50%; background: #DCFCE7; color: var(--green); display: grid; place-items: center; font-weight: 900; }
.float--b { right: -2%; bottom: 0; min-width: 150px; animation: floaty2 6s ease-in-out -3s infinite; }
.spark { display: flex; align-items: flex-end; gap: 4px; height: 30px; margin-top: 8px; }
.spark i { flex: 1; background: linear-gradient(var(--sky), var(--navy)); border-radius: 3px; }
@keyframes floaty2 { 50% { transform: translateY(-8px); } }

@media (max-width: 960px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__visual { margin-top: 12px; }
}
@media (max-width: 560px) {
  .hero__actions .btn { width: 100%; }
  .phone { width: 260px; }
  .app { padding: 50px 12px 12px; gap: 10px; }
  .app__balance { font-size: 23px; }
  .float--a { left: 0; top: 0; padding: 10px 12px; }
  .float--b { right: 0; bottom: 0; min-width: 130px; }
  .float b { font-size: 15px; }
}
@media (prefers-reduced-motion: reduce) {
  .phone, .float, .dot { animation: none !important; }
}

/* ---------- Facts ---------- */
.facts { position: relative; z-index: 2; margin-top: -48px; }
.facts__grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: var(--r-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
.fact { padding: 28px 28px; border-left: 1px solid var(--line); }
.fact:first-child { border-left: 0; }
.fact__num { font-family: var(--display); font-weight: 800; font-size: clamp(28px, 3.2vw, 40px); letter-spacing: -0.03em; color: var(--navy); line-height: 1.1; }
.fact__label { margin-top: 6px; color: var(--muted); font-size: 14.5px; font-weight: 600; line-height: 1.4; }
@media (max-width: 860px) {
  .facts__grid { grid-template-columns: 1fr 1fr; }
  .fact:nth-child(3) { border-left: 0; }
  .fact:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 420px) { .fact { padding: 20px 16px; } }

/* ---------- Products ---------- */
#products { padding-top: clamp(96px, 12vw, 152px); margin-top: -48px; }
.chooser { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.chooser button { border: 1.5px solid var(--line); background: #fff; color: var(--ink); padding: 10px 18px; border-radius: 999px; font-weight: 700; font-size: 14.5px; transition: all .2s var(--ease); }
.chooser button:hover { border-color: var(--navy); }
.chooser button[aria-selected="true"] { background: var(--navy); border-color: var(--navy); color: #fff; }
@media (max-width: 560px) {
  .chooser { flex-wrap: nowrap; overflow-x: auto; margin-inline: calc(var(--gutter) * -1); padding-inline: var(--gutter); scrollbar-width: none; }
  .chooser::-webkit-scrollbar { display: none; }
  .chooser button { flex: none; }
}
.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 1000px) { .products { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .products { grid-template-columns: 1fr; } }
.product { position: relative; display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; transition: transform .3s var(--ease), box-shadow .3s var(--ease), opacity .3s, border-color .3s; }
.product:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.product.is-dim { opacity: .35; transform: scale(.98); }
.product.is-dim:hover { box-shadow: none; }
.product__top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.product__tag { font-size: 12.5px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--sky-text); background: var(--sky-50); padding: 6px 12px; border-radius: 999px; }
.product__icon { width: 44px; height: 44px; border-radius: 14px; background: var(--paper); display: grid; place-items: center; }
.product__icon svg { width: 22px; height: 22px; fill: none; stroke: var(--navy); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.product h3 { font-size: 30px; font-weight: 800; }
.product__pitch { margin-top: 8px; font-size: 17px; color: var(--muted); font-weight: 500; }
.product__facts { list-style: none; padding: 0; margin: 22px 0 28px; display: grid; gap: 10px; font-size: 15px; font-weight: 600; }
.product__facts li { position: relative; padding-left: 28px; }
.product__facts li::before { content: ""; position: absolute; left: 0; top: 3px; width: 18px; height: 18px; border-radius: 50%; background: var(--sky-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='%23006F99' d='M8.3 13.3 5 10l-1.1 1.1 4.4 4.4 8-8-1.1-1.1z'/%3E%3C/svg%3E") center/14px no-repeat; }
.product__actions { margin-top: auto; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.product__cta { margin-top: auto; align-self: flex-start; display: inline-flex; gap: 8px; align-items: center; background: none; border: 0; padding: 0; font-weight: 800; font-size: 15.5px; color: var(--navy); }
.product__actions .product__cta { margin-top: 0; }
.product__cta span { transition: transform .2s var(--ease); }
.product__cta:hover span { transform: translateX(4px); }
.product__link { font-weight: 700; font-size: 14.5px; color: #fff; opacity: .85; }
.product--feature { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-950) 100%); color: #fff; border-color: transparent; box-shadow: 0 24px 60px -24px rgba(15,27,127,.7); }
.product--feature .product__pitch { color: #C9D2F2; }
.product--feature .product__tag { background: rgba(0,178,236,.18); color: var(--sky-300); }
.product--feature .product__facts li::before { background-color: rgba(0,178,236,.2); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='%235FD2F7' d='M8.3 13.3 5 10l-1.1 1.1 4.4 4.4 8-8-1.1-1.1z'/%3E%3C/svg%3E"); }
.product--feature .product__cta { color: var(--sky-300); }
.product.is-campaign:not(.product--feature) { border-color: var(--sky); box-shadow: 0 0 0 4px rgba(0,178,236,.15), var(--shadow); }
.product__badge { font-size: 12px; font-weight: 800; background: var(--gold); color: var(--ink); padding: 6px 12px; border-radius: 999px; }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 88px); align-items: center; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }
.calc__control { margin-top: 36px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--r-lg); padding: 24px; }
.calc__label { display: block; font-weight: 700; color: var(--muted-dark); font-size: 15px; }
.calc__amount { display: block; font-family: var(--display); font-weight: 800; font-size: clamp(40px, 5vw, 56px); letter-spacing: -0.03em; margin: 4px 0 16px; font-variant-numeric: tabular-nums; }
.calc__scale { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted-dark); margin-top: 8px; font-weight: 600; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 8px; background: linear-gradient(90deg, var(--sky) var(--fill, 5%), rgba(255,255,255,.18) var(--fill, 5%)); outline-offset: 6px; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%; background: #fff; border: 6px solid var(--sky); box-shadow: 0 4px 12px rgba(0,0,0,.35); cursor: grab; transition: transform .15s; }
input[type="range"]::-webkit-slider-thumb:active { transform: scale(1.15); cursor: grabbing; }
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 6px solid var(--sky); box-shadow: 0 4px 12px rgba(0,0,0,.35); cursor: grab; }
.calc__results { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 16px; }
.calc__results > div { border-radius: var(--r); padding: 18px 20px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); display: grid; }
.calc__results small { font-size: 13.5px; color: var(--muted-dark); font-weight: 700; }
.calc__results b { font-family: var(--display); font-size: clamp(24px, 2.8vw, 32px); font-weight: 800; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; margin: 2px 0; }
.calc__results span { font-size: 13px; color: var(--muted-dark); }
.calc__results-hi { background: var(--sky) !important; border-color: var(--sky) !important; color: var(--ink); }
.calc__results-hi small, .calc__results-hi span { color: rgba(10,16,51,.72) !important; }
@media (max-width: 400px) { .calc__results { grid-template-columns: 1fr; } }
.calc__actions { margin-top: 24px; }
.calc__note { margin-top: 16px; font-size: 13px; color: var(--muted-dark); max-width: 52ch; }

.chart { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: var(--r-xl); padding: 32px 28px 24px; }
.chart__bars { display: flex; align-items: flex-end; gap: clamp(6px, 1.4vw, 14px); height: 340px; }
.bar { flex: 1; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; align-items: center; gap: 10px; }
.bar i { display: block; width: 100%; height: var(--h, 10%); border-radius: 10px 10px 4px 4px; background: linear-gradient(180deg, var(--sky-300), var(--navy-700)); transition: height .6s var(--ease); position: relative; }
.bar span { font-size: 12.5px; color: var(--muted-dark); font-weight: 700; }
.bar--loan { flex: 1.6; }
.bar--loan i { background: linear-gradient(180deg, var(--gold), #F59E0B); box-shadow: 0 0 40px -6px rgba(255,197,61,.6); }
.bar--loan span { color: var(--gold); }
.bar--loan em { position: absolute; top: -34px; left: 50%; transform: translateX(-50%); font-style: normal; font-family: var(--display); font-weight: 800; font-size: 17px; color: var(--gold); white-space: nowrap; }
.chart__legend { display: flex; gap: 20px; margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); font-size: 13.5px; color: var(--muted-dark); font-weight: 600; }
.chart__legend span { display: flex; align-items: center; gap: 8px; }
.sw { width: 12px; height: 12px; border-radius: 4px; }
.sw--save { background: var(--sky); }
.sw--loan { background: var(--gold); }
@media (max-width: 560px) { .chart__bars { height: 240px; } .chart { padding: 36px 16px 18px; } }

/* ---------- Steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: s; position: relative; }
.steps::before { content: ""; position: absolute; top: 36px; left: 16%; right: 16%; height: 2px; background: repeating-linear-gradient(90deg, var(--line) 0 8px, transparent 8px 16px); z-index: 0; }
.step { position: relative; z-index: 1; text-align: center; padding: 0 12px; }
.step__num { display: grid; place-items: center; width: 72px; height: 72px; margin: 0 auto 24px; border-radius: 22px; background: var(--navy); color: #fff; font-family: var(--display); font-weight: 800; font-size: 28px; box-shadow: 0 16px 32px -12px rgba(15,27,127,.6); }
.step:nth-child(2) .step__num { background: var(--sky); color: var(--ink); box-shadow: 0 16px 32px -12px rgba(0,178,236,.7); }
.step:nth-child(3) .step__num { background: var(--gold); color: var(--ink); box-shadow: 0 16px 32px -12px rgba(255,197,61,.8); }
.step h3 { font-size: 22px; font-weight: 800; }
.step p { margin-top: 10px; color: var(--muted); max-width: 32ch; margin-inline: auto; }
@media (max-width: 800px) {
  .steps { grid-template-columns: 1fr; gap: 36px; }
  .steps::before { display: none; }
}

/* ---------- Why ---------- */
.why { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(40px, 6vw, 80px); align-items: start; }
.why__head { position: sticky; top: 110px; }
.why__head .btn { margin-top: 28px; }
.why__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.why__item { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px; }
.why__item svg { width: 44px; height: 44px; padding: 10px; border-radius: 14px; background: var(--sky-50); fill: none; stroke: var(--sky-text); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; margin-bottom: 18px; }
.why__item h3 { font-size: 19px; font-weight: 800; }
.why__item p { margin-top: 6px; color: var(--muted); font-size: 15px; }
@media (max-width: 900px) { .why { grid-template-columns: 1fr; } .why__head { position: static; } }
@media (max-width: 540px) { .why__grid { grid-template-columns: 1fr; } }

/* ---------- Team ---------- */
.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 860px) { .team { grid-template-columns: 1fr; } }
.person { margin: 0; display: flex; gap: 20px; align-items: flex-start; padding: 28px; border-radius: var(--r-lg); border: 1px solid var(--line); background: #fff; }
.person__avatar { flex: none; width: 64px; height: 64px; border-radius: 20px; display: grid; place-items: center; font-family: var(--display); font-weight: 800; font-size: 22px; color: #fff; background: linear-gradient(135deg, var(--sky), var(--navy)); }
.person figcaption { display: grid; gap: 2px; }
.person b { font-family: var(--display); font-size: 20px; font-weight: 800; letter-spacing: -0.01em; }
.person__role { font-weight: 700; color: var(--navy); font-size: 14.5px; }
.person__creds { font-size: 12.5px; font-weight: 800; letter-spacing: .06em; color: var(--sky-text); }
.person p { margin-top: 8px; color: var(--muted); font-size: 14.5px; }
.values { list-style: none; padding: 0; margin: 32px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.values li { padding: 8px 16px; border-radius: 999px; background: var(--paper); font-weight: 700; font-size: 14px; color: var(--navy); }

/* ---------- Lead form ---------- */
.lead { display: grid; grid-template-columns: 1fr 1fr; grid-template-areas: "copy card" "contact card"; column-gap: clamp(40px, 6vw, 80px); align-items: center; }
.lead__copy { grid-area: copy; align-self: end; }
.lead__card { grid-area: card; }
@media (max-width: 900px) {
  .lead { grid-template-columns: 1fr; grid-template-areas: "copy" "card" "contact"; row-gap: 32px; }
  .lead__contact { margin-top: 8px !important; }
}
.lead__contact { grid-area: contact; align-self: start; list-style: none; padding: 0; margin: 36px 0 0; display: grid; gap: 16px; font-weight: 600; color: #D5DDF7; }
.lead__contact li { display: flex; gap: 14px; align-items: flex-start; }
.lead__contact svg { width: 22px; height: 22px; flex: none; fill: none; stroke: var(--sky); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; margin-top: 2px; }
.lead__contact a { color: #fff; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.3); }
.lead__contact a:hover { border-color: var(--sky); }
.lead__card { background: #fff; color: var(--ink); border-radius: var(--r-xl); padding: clamp(24px, 4vw, 40px); box-shadow: 0 40px 80px -30px rgba(0,0,0,.6); }
.field { display: grid; gap: 6px; margin-bottom: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; gap: 0; } }
.field label { font-weight: 700; font-size: 14px; }
.opt { color: var(--muted); font-weight: 500; }
.field input, .field select {
  width: 100%; font: inherit; font-size: 16px; color: var(--ink);
  padding: 13px 16px; border-radius: 12px; border: 1.5px solid var(--line); background: var(--paper);
  transition: border-color .2s, background-color .2s, box-shadow .2s;
}
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='%2356607D' d='M5.3 7.3 10 12l4.7-4.7 1.1 1.1L10 14.2 4.2 8.4z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 40px; }
.field input:focus, .field select:focus { outline: none; border-color: var(--sky); background-color: #fff; box-shadow: 0 0 0 4px rgba(0,178,236,.18); }
.field input[aria-invalid="true"] { border-color: var(--red); background-color: #FEF2F2; }
.field__err { display: none; font-size: 13px; font-weight: 600; color: var(--red); }
.field__err.show { display: block; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; color: var(--muted); margin: 6px 0 4px; cursor: pointer; }
.consent input { width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--navy); flex: none; }
.consent + .field__err { margin-bottom: 8px; }
#lead-form .btn { margin-top: 16px; }
.lead__small { text-align: center; font-size: 13px; color: var(--muted); margin-top: 12px; }
.lead__done { text-align: center; padding: 20px 0; }
.lead__done:focus { outline: none; }
.lead__done-icon { width: 72px; height: 72px; margin: 0 auto 20px; border-radius: 50%; display: grid; place-items: center; background: #DCFCE7; color: var(--green); font-size: 32px; font-weight: 900; }
.lead__done h3 { font-size: 28px; font-weight: 800; }
.lead__done p { margin: 12px auto 24px; color: var(--muted); max-width: 38ch; }
.lead__done-actions { display: flex; flex-direction: column; gap: 10px; }
.lead__done .btn--ghost { color: var(--navy); border-color: var(--line); background: #fff; }

/* ---------- FAQ ---------- */
.faq { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(40px, 6vw, 80px); align-items: start; }
@media (max-width: 900px) { .faq { grid-template-columns: 1fr; } }
.faq__list { display: grid; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: var(--r); background: #fff; transition: border-color .2s, box-shadow .2s; }
.faq details[open] { border-color: transparent; box-shadow: var(--shadow); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 56px 20px 24px; font-weight: 700; font-size: 17px; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 22px; top: 50%; width: 22px; height: 22px; margin-top: -11px; border-radius: 50%; background: var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='%230F1B7F' d='M9 4h2v12H9z'/%3E%3Cpath fill='%230F1B7F' d='M4 9h12v2H4z'/%3E%3C/svg%3E") center/12px no-repeat; transition: transform .25s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); background-color: var(--sky-50); }
.faq details p { padding: 0 24px 22px; color: var(--muted); }
.faq details a { color: var(--sky-text); font-weight: 700; }

/* ---------- Final CTA ---------- */
.final { padding-block: 0 clamp(72px, 10vw, 120px); }
.final__inner { position: relative; overflow: hidden; border-radius: var(--r-xl); padding: clamp(48px, 7vw, 88px) clamp(24px, 5vw, 64px); text-align: center; color: #fff; background: radial-gradient(70% 90% at 50% 0%, rgba(0,178,236,.45), transparent 70%), linear-gradient(160deg, var(--navy), var(--navy-950)); }
.final__inner::after { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.12) 1px, transparent 1px); background-size: 22px 22px; mask-image: linear-gradient(transparent, #000 50%, transparent); -webkit-mask-image: linear-gradient(transparent, #000 50%, transparent); pointer-events: none; }
.final h2 { position: relative; z-index: 1; font-size: clamp(34px, 5.4vw, 64px); font-weight: 800; letter-spacing: -0.03em; }
.final p { position: relative; z-index: 1; margin: 18px auto 0; color: #C9D2F2; font-size: 18px; max-width: 40ch; }
.final__actions { position: relative; z-index: 1; display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 36px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-950); color: var(--muted-dark); padding-block: 72px 32px; font-size: 14.5px; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 40px; }
@media (max-width: 860px) { .footer__grid { grid-template-columns: 1fr 1fr; } .footer__brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__brand img { height: 36px; width: auto; }
.footer__brand p { margin-top: 16px; max-width: 28ch; }
.footer h4 { font-family: var(--body); font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: #fff; margin-bottom: 14px; font-weight: 800; }
.footer__grid > div:not(.footer__brand) { display: grid; gap: 10px; align-content: start; }
.footer a { text-decoration: none; color: var(--muted-dark); transition: color .2s; overflow-wrap: anywhere; }
.footer a:hover { color: #fff; }
.footer__legal { margin-top: 56px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); display: grid; gap: 10px; font-size: 13px; color: #8390BD; }

/* ---------- Sticky mobile CTA ---------- */
.sticky { display: none; }
@media (max-width: 760px) {
  .sticky { display: flex; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 12px var(--gutter) calc(12px + env(safe-area-inset-bottom, 0px)); background: rgba(255,255,255,.94); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-top: 1px solid var(--line); transform: translateY(110%); visibility: hidden; transition: transform .3s var(--ease), visibility 0s .3s; }
  .sticky.is-on { transform: translateY(0); visibility: visible; transition: transform .3s var(--ease); }
  .sticky__wa { flex: none; width: 52px; display: grid; place-items: center; border-radius: 999px; background: #25D366; color: #fff; }
  body { padding-bottom: 0; }
  .footer { padding-bottom: 110px; }
}

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }