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

:root {
  --ink: var(--pri-color);
  --ink2: #1a2e1d;
  --sec-color: #ff0000b2;
  --gold2: #ff0000b2;
  --gold3: rgba(184, 150, 46, 0.12);
  --sec-color-border: rgba(184, 150, 46, 0.25);
  --sage: #2d4a30;
  --cream: #f7f4ee;
  --offwhite: #faf8f4;
  --muted: rgba(12, 26, 14, 0.5);
  --mutedlite: rgba(12, 26, 14, 0.35);
  --white: #fff;
  --radius: 12px;
}

html {
  scroll-behavior: smooth
}

body {
  font-family: 'Outfit', sans-serif;
  background: var(--bg-alt);
  color: var(--ink);
  overflow-x: hidden;
}

/* ── NUMBERS STRIP ── */
.numbers-strip {
  background: var(--white);
  padding: 72px 56px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.numbers-strip::after {
  content: 'TRUST';
  position: absolute;
  right: -20px;
  top: 50%;
  transform: translateY(-50%);
  font-family: 'Cormorant Garamond', serif;
  font-size: 14rem;
  color: rgba(14, 43, 18, .06);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.ns-item .big {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem;
  color: var(--forest);
  line-height: 1;
  margin-bottom: 6px
}

.ns-item .small {
  font-size: .76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(14, 43, 18, .55)
}

/* ── TRUST SIGNALS ── */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.trust-sig {
  background: rgba(255, 255, 255, .04);
  border: 1px solid rgba(255, 255, 255, .08);
  border-radius: var(--radius);
  padding: 36px;
  transition: border-color .3s;
}

.trust-sig:hover {
  border-color: var(--goldborder)
}

.ts-icon {
  font-size: 2rem;
  margin-bottom: 16px
}

.trust-sig h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  color: #fff;
  margin-bottom: 10px
}

.trust-sig p {
  font-size: .84rem;
  color: rgba(255, 255, 255, .5);
  line-height: 1.7
}

.trust-sig .ts-tag {
  display: inline-block;
  margin-top: 14px;
  background: var(--goldfade);
  border: 1px solid var(--goldborder);
  color: var(--gold2);
  font-size: .68rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  letter-spacing: .05em
}


/* ── PAGE HERO ── */

.page-hero {
  padding: 88px 7%;
  background: #f8fafc;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  margin-bottom: 30px;
  color: #64748b;
}

.page-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  padding: 10px 18px;
  border-radius: 999px;
  background: #e0f2fe;
  color: #0369a1;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 24px;
}

.page-hero-content h1 {
  margin-bottom: 24px;
  font-size: 72px;
  line-height: 1.05;
  margin-bottom: 28px;
  font-weight: 800;
  letter-spacing: -2px;
  color: var(--text);
}

.page-hero-content h1 em {
  font-style: normal;
  color: var(--pri-color);
}

.page-hero-content p {
  font-size: 18px;
  line-height: 1.8;
  color: #475569;
  margin-bottom: 32px;
}

.hero-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 40px;
}

.chip {
  padding: 12px 20px;
  border-radius: 999px;
  background: #fff;
  border: 1px solid #e2e8f0;
  cursor: pointer;
  transition: .3s ease;
  font-weight: 500;
}

.chip:hover,
.chip.active {
  background: var(--pri-color);
  color: #fff;
  border-color: var(--pri-color);
}

.hero-mini-stats {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
}

.mini-stat h3 {
  font-size: 28px;
  color: #0f172a;
  margin-bottom: 6px;
}

.mini-stat span {
  color: #64748b;
  font-size: 14px;
}

.hero-card-main {
  position: relative;
  height: 600px;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.12);
}

.floating-service-card {
  position: absolute;
  bottom: 30px;
  left: 30px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  padding: 24px;
  border-radius: 20px;
  max-width: 320px;
}

.service-tag {
  display: inline-block;
  background: var(--pri-color);
  color: #fff;
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 13px;
  margin-bottom: 14px;
}

.floating-service-card h4 {
  font-size: 24px;
  margin-bottom: 12px;
  color: #0f172a;
}

.floating-service-card p {
  color: #475569;
  line-height: 1.6;
}

@media(max-width:991px) {

  .page-hero-grid {
    grid-template-columns: 1fr;
  }

  .page-hero-content h1 {
    font-size: 46px;
  }

  .hero-card-main {
    height: 450px;
  }

}

/* ── SECTION LAYOUT ── */
.section {
  padding: 88px 48px
}

.section-alt {
  background: var(--white)
}

.eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--sec-color);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}

.eyebrow::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--sec-color)
}

.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 3.5vw, 2.7rem);
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -.015em;
  margin-bottom: 12px;
}

.section-sub {
  font-size: .92rem;
  line-height: 1.75;
  color: var(--muted);
  max-width: 500px;
}

/* ── CATEGORY TABS ── */
.cat-tabs {
  display: flex;
  gap: 4px;
  border-bottom: 2px solid rgba(12, 26, 14, .07);
  margin-bottom: 56px;
  overflow-x: auto;
  padding-bottom: 0;
}

.cat-tab {
  padding: 14px 24px;
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  background: none;
  border: none;
  color: var(--muted);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: all .2s;
  white-space: nowrap;
}

.cat-tab:hover {
  color: var(--ink)
}

.cat-tab.active {
  color: var(--ink);
  border-bottom-color: var(--sec-color);
}

/* ── SERVICE PANELS ── */
.service-panel {
  display: none
}

.service-panel.active {
  display: block;
  animation: slideUp .4s ease
}

@keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(16px)
  }

  to {
    opacity: 1;
    transform: translateY(0)
  }
}

/* ── SERVICE DETAIL LAYOUT ── */
.service-detail {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
  margin-bottom: 64px;
}

.service-detail:last-child {
  margin-bottom: 0
}

.service-detail.reverse {
  grid-template-columns: 380px 1fr
}

.service-detail.reverse .detail-sidebar {
  order: -1
}

.detail-header {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 28px;
}

.svc-icon {
  width: 60px;
  height: 60px;
  background: var(--ink);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  flex-shrink: 0;
  padding: 10px;
}

.svc-icon {
  height: 55px;
  width: 55px;
}

.detail-header h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.9rem;
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -.01em;
}

.detail-header p {
  font-size: .85rem;
  color: var(--muted);
  margin-top: 4px;
  line-height: 1.5;
}

.detail-body p {
  font-size: .94rem;
  line-height: 1.8;
  color: var(--pri-color-deep);
  margin-bottom: 20px;
}

/* Benefits list */
.benefits {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 24px 0 32px;
}

.benefit {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .86rem;
  color: var(--pri-color-deep);
}

.benefit::before {
  content: '✓';
  background: var(--gold3);
  color: var(--sec-color);
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* Procedure steps */
.procedure {
  margin: 32px 0
}

.procedure-title {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--sec-color);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.procedure-title::before {
  content: '';
  display: block;
  width: 16px;
  height: 2px;
  background: var(--sec-color)
}

.steps {
  display: flex;
  flex-direction: column;
  gap: 0
}

.step {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 20px 0;
  border-bottom: 1px solid rgba(12, 26, 14, .06);
  position: relative;
}

.step:last-child {
  border-bottom: none
}

.step-num {
  width: 36px;
  height: 36px;
  background: var(--ink);
  color: var(--white);
  border-radius: 50%;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-content h4 {
  font-size: .9rem;
  font-weight: 600;
  margin-bottom: 4px
}

.step-content p {
  font-size: .83rem;
  color: var(--muted);
  line-height: 1.55
}

/* Sidebar card */
/*.detail-sidebar {}*/

.req-card {
  background: var(--ink);
  border-radius: 16px;
  padding: 36px;
  position: sticky;
  top: 88px;
}

.req-card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 6px;
}

.req-card-sub {
  font-size: .8rem;
  color: rgba(255, 255, 255, .4);
  margin-bottom: 28px;
  line-height: 1.5;
}

.req-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px
}

.req-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .85rem;
  color: rgba(255, 255, 255, .7);
  line-height: 1.5;
}

.req-list li .check {
  width: 22px;
  height: 22px;
  background: var(--bg-alt);
  border: 1px solid rgba(184, 150, 46, .3);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--black-fade);
  font-size: .7rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.rate-badge {
  margin-top: 28px;
  padding: 16px 20px;
  background: rgba(184, 150, 46, .1);
  border: 1px solid rgba(184, 150, 46, .2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.rate-badge .rate-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.rate-badge .rate-label {
  font-size: .75rem;
  color: rgba(255, 255, 255, .4);
  line-height: 1.5
}

.sidebar-cta {
  margin-top: 24px;
  background: var(--white);
  color: var(--sec-color);
  display: block;
  text-align: center;
  padding: 13px;
  border-radius: 8px;
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-decoration: none;
  transition: background .2s, transform .2s;
}

.sidebar-cta:hover {
  background: var(--gold2);
  transform: translateY(-1px)
}

/* Divider between services */
.svc-divider {
  border: none;
  border-top: 1px solid rgba(12, 26, 14, .07);
  margin: 64px 0;
}

/* ── OTHER SERVICES (non-loan) grid ── */
.other-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.other-card {
  background: var(--white);
  border: 1px solid rgba(12, 26, 14, .08);
  border-radius: 16px;
  padding: 36px 32px;
  transition: border-color .3s, box-shadow .3s, transform .3s;
  position: relative;
  overflow: hidden;
}

.other-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--sec-color), transparent);
  opacity: 0;
  transition: opacity .3s;
}

.other-card:hover {
  border-color: rgba(184, 150, 46, .4);
  box-shadow: 0 16px 48px rgba(12, 26, 14, .08);
  transform: translateY(-4px);
}

.other-card:hover::before {
  opacity: 1
}

.other-icon {
  width: 52px;
  height: 52px;
  background: var(--gold3);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 20px;
}

.other-icon {
  height: 25px;
  width: 25px;
}

.other-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.other-card p {
  font-size: .85rem;
  line-height: 1.7;
  color: var(--muted);
  margin-bottom: 20px;
}

.other-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin-bottom: 24px
}

.otag {
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .04em;
  padding: 4px 11px;
  border-radius: 100px;
  background: var(--gold3);
  color: var(--sec-color);
  border: 1px solid rgba(184, 150, 46, .2);
}

.other-link {
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--pri-color);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap .2s;
}

.other-link:hover {
  gap: 10px
}

/* ── COMPARISON TABLE ── */
.compare-wrap {
  margin-top: 48px;
  overflow-x: auto
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}

thead tr {
  background: var(--ink)
}

thead th {
  padding: 16px 20px;
  text-align: left;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--white);
}

thead th:first-child {
  color: var(--white)
}

tbody tr {
  border-bottom: 1px solid rgba(12, 26, 14, .06);
  transition: background .15s;
}

tbody tr:hover {
  background: rgba(184, 150, 46, .04)
}

tbody td {
  padding: 15px 20px;
  vertical-align: middle;
  color: var(--pri-color-deep)
}

tbody td:first-child {
  font-weight: 600;
  color: var(--pri-color-deep)
}

.tick {
  color: var(--sec-color);
  font-size: 1rem
}

.cross {
  color: rgba(12, 26, 14, .25)
}

.badge-fast {
  display: inline-block;
  background: rgba(34, 139, 34, .1);
  color: #228b22;
  font-size: .7rem;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 100px;
  letter-spacing: .04em;
}

.badge-med {
  display: inline-block;
  background: rgba(184, 150, 46, .12);
  color: var(--sec-color);
  font-size: .7rem;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 100px;
}

/* ── CTA BAND ── */
.cta-band {
  background: var(--ink);
  padding: 88px 48px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  right: -80px;
  top: -80px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(184, 150, 46, .1) 0%, transparent 70%);
}

.cta-band h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.15;
  letter-spacing: -.01em;
  margin-bottom: 12px;
}

.cta-band p {
  font-size: .9rem;
  color: rgba(255, 255, 255, .5);
  line-height: 1.7;
  max-width: 520px;
}

.cta-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
  flex-shrink: 0;
  min-width: 200px;
}

.btn-gold {
  background: var(--white);
  color: var(--pri-color);
  padding: 15px 32px;
  border-radius: 8px;
  font-weight: 700;
  font-size: .88rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-decoration: none;
  text-align: center;
  transition: background .2s, transform .2s;
  display: block;
}

.btn-gold:hover {
  background: var(--white);
  transform: translateY(-1px)
}

.btn-outline {
  border: 1px solid rgba(255, 255, 255, .15);
  color: var(--white);
  padding: 13px 32px;
  border-radius: 8px;
  font-size: .85rem;
  font-weight: 500;
  text-decoration: none;
  text-align: center;
  transition: all .2s;
  display: block;
}

.btn-outline:hover {
  border-color: rgba(255, 255, 255, .4);
  color: #fff
}

/* ── CONTACT SECTION ── */
.contact-section {
  padding: 88px 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact-left h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.contact-left p {
  font-size: .9rem;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 36px
}

.info-row {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}

.info-icon {
  width: 44px;
  height: 44px;
  background: var(--gold3);
  border: 1px solid var(--sec-color-border);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.info-icon {
  height: 15px;
  width: 15px;
}

.info-label {
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--mutedlite);
  margin-bottom: 2px
}

.info-val {
  font-size: .9rem;
  font-weight: 600;
  color: var(--ink)
}

/* Form */
.contact-form {
  background: var(--white);
  border: 1px solid rgba(12, 26, 14, .07);
  border-radius: 16px;
  padding: 40px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px
}

.form-group {
  margin-bottom: 16px
}

label {
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--mutedlite);
  display: block;
  margin-bottom: 8px;
}

input,
select,
textarea {
  width: 100%;
  background: var(--offwhite);
  border: 1px solid rgba(12, 26, 14, .1);
  border-radius: 8px;
  padding: 12px 16px;
  color: var(--black-fade);
  font-family: 'Outfit', sans-serif;
  font-size: .9rem;
  outline: none;
  transition: border-color .2s;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--sec-color)
}

textarea {
  resize: vertical;
  min-height: 110px
}

.submit-btn {
  width: 100%;
  background: var(--ink);
  color: var(--white);
  border: none;
  border-radius: 8px;
  padding: 14px;
  font-family: 'Outfit', sans-serif;
  font-size: .88rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  cursor: pointer;
  margin-top: 4px;
  transition: background .2s, transform .2s;
}

.submit-btn:hover {
  background: var(--sage);
  transform: translateY(-1px)
}


/* ── FADE-IN ── */
.fade {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .55s ease, transform .55s ease
}

.fade.in {
  opacity: 1;
  transform: none
}

/* ── RESPONSIVE ── */
@media(max-width:1100px) {

  .service-detail,
  .service-detail.reverse {
    grid-template-columns: 1fr;
    gap: 32px
  }

  .service-detail.reverse .detail-sidebar {
    order: 0
  }

  .req-card {
    position: static
  }

  .other-grid {
    grid-template-columns: 1fr 1fr
  }

  .cta-band {
    grid-template-columns: 1fr;
    gap: 32px
  }

  .contact-section {
    grid-template-columns: 1fr;
    gap: 40px
  }

  .footer-inner {
    grid-template-columns: 1fr 1fr;
    gap: 36px
  }

  .numbers-strip {
    grid-template-columns: repeat(2, 1fr)
  }

  .numbers-strip,
  footer {
    padding-left: 32px;
    padding-right: 32px
  }
}

@media(max-width:760px) {
  nav {
    padding: 0 20px
  }

  .nav-links {
    display: none
  }

  .topbar {
    display: none
  }

  .page-hero,
  .section,
  .cta-band,
  .contact-section,
  footer {
    padding-left: 20px;
    padding-right: 20px
  }

  .other-grid,
  .footer-inner {
    grid-template-columns: 1fr
  }

  .benefits {
    grid-template-columns: 1fr
  }

  .form-row {
    grid-template-columns: 1fr
  }

  .stats-strip {
    grid-template-columns: 1fr 1fr
  }
}

@media(max-width:720px) {
  .numbers-strip {
    padding: 48px 20px;
    grid-template-columns: 1fr 1fr
  }
}