/* Credit Bankers — the website's shared styles (home page, loan pages, guides). */
  /*
    The visiting card's palette: olive green (the logo), coral red (the card face)
    and charcoal (the contact band). Olive carries actions, coral carries the
    eye-catchers, charcoal the dark bands. The `--gold*` names predate the card
    and now hold the coral.
  */
  :root {
    --ink: #1d1f21; --ink-2: #45494d; --muted: #6b7075;
    --rule: #e4e2df; --rule-soft: #f0eeeb;
    --ground: #f7f5f3; --surface: #ffffff;
    --accent: #5b7a3a; --accent-ink: #ffffff; --accent-soft: #ebf1e3;
    --gold: #c2434d; --gold-bright: #ec6f77; --gold-ink: #2a0c0f; --gold-soft: #fde9ea;
    --hero-1: #222426; --hero-2: #3a3e42;
    --glow-1: rgba(236,111,119,.24); --glow-2: rgba(109,139,74,.28);
    --wa: #128c4a;
    --shadow: 0 1px 2px rgba(29,31,33,.06), 0 18px 40px -18px rgba(29,31,33,.35);
    --display: "Barlow Condensed", "Arial Narrow", ui-sans-serif, system-ui, sans-serif;
    --body: "Barlow", ui-sans-serif, system-ui, -apple-system, sans-serif;
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --ink: #eceae7; --ink-2: #c4c1bd; --muted: #96928d;
      --rule: #34312e; --rule-soft: #272522;
      --ground: #161514; --surface: #201f1d;
      --accent: #9cc06f; --accent-ink: #18210e; --accent-soft: #263218;
      --gold: #f08a90; --gold-soft: #3a1d20;
      --hero-1: #111213; --hero-2: #2a2d30;
      --wa: #3fbf78;
      --shadow: 0 1px 2px rgba(0,0,0,.4), 0 18px 40px -18px rgba(0,0,0,.8);
    }
  }
  :root[data-theme="dark"] {
    --ink: #eceae7; --ink-2: #c4c1bd; --muted: #96928d;
    --rule: #34312e; --rule-soft: #272522;
    --ground: #161514; --surface: #201f1d;
    --accent: #9cc06f; --accent-ink: #18210e; --accent-soft: #263218;
    --gold: #f08a90; --gold-soft: #3a1d20;
    --hero-1: #111213; --hero-2: #2a2d30;
    --wa: #3fbf78;
    --shadow: 0 1px 2px rgba(0,0,0,.4), 0 18px 40px -18px rgba(0,0,0,.8);
  }

  * { box-sizing: border-box; }
  [hidden] { display: none !important; }
  html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 72px; }
  body {
    margin: 0; font-family: var(--body); color: var(--ink); background: var(--ground);
    line-height: 1.55; -webkit-font-smoothing: antialiased;
  }
  h1, h2, h3 { font-family: var(--display); font-weight: 700; letter-spacing: 0; line-height: 1.1; margin: 0; }
  a { color: var(--accent); }
  .wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }
  @media (max-width: 600px) { .wrap { padding: 0 16px; } }

  .btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    font: inherit; font-size: 14px; font-weight: 600; white-space: nowrap;
    border: 1px solid var(--rule); border-radius: 9px;
    background: var(--surface); color: var(--ink);
    padding: 9px 15px; cursor: pointer; text-decoration: none;
  }
  .btn:hover { border-color: var(--muted); }
  .btn-primary { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
  .btn-primary:hover { filter: brightness(1.08); border-color: var(--accent); }
  .btn-wa { background: var(--wa); border-color: var(--wa); color: #fff; }
  .btn-gold { background: var(--gold-bright); border-color: var(--gold-bright); color: var(--gold-ink); }
  .btn-gold:hover { filter: brightness(1.06); border-color: var(--gold-bright); }
  .btn-icon { padding: 8px; width: 38px; height: 38px; }
  .btn-icon .i { display: none; }
  .btn-icon[data-mode="auto"] .i-auto, .btn-icon[data-mode="light"] .i-light, .btn-icon[data-mode="dark"] .i-dark { display: block; }
  .btn-lg { font-size: 15px; padding: 12px 20px; }
  .btn svg { flex: none; }

  /* header */
  .top {
    position: sticky; top: 0; z-index: 20;
    background: color-mix(in srgb, var(--ground) 88%, transparent);
    backdrop-filter: saturate(150%) blur(8px);
    border-bottom: 1px solid var(--rule);
  }
  .top .wrap { display: flex; align-items: center; gap: 20px; height: 64px; }
  .logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
  .logo img { width: 38px; height: 38px; flex: none; display: block; }
  .logo .word { display: grid; line-height: .95; font-family: var(--display); font-weight: 600; text-transform: uppercase; letter-spacing: .03em; }
  .logo .word b { font-size: 19px; font-weight: 600; }
  .logo .word small { font-size: 19px; font-weight: 600; color: var(--accent); }
  .nav { display: flex; gap: 22px; margin-left: 12px; }
  .nav a { color: var(--ink-2); text-decoration: none; font-size: 14px; font-weight: 500; }
  .nav a:hover { color: var(--ink); }
  .grow { flex: 1; }
  .top .actions { display: flex; gap: 8px; }
  @media (max-width: 860px) { .nav { display: none; } }
  @media (max-width: 480px) { .top .call-label { display: none; } .logo .word b, .logo .word small { font-size: 17px; } .top .actions { gap: 6px; } }

  /* hero */
  .hero {
    padding: 72px 0 80px; color: #fff;
    background:
      radial-gradient(900px 420px at 88% -12%, var(--glow-1), transparent 62%),
      radial-gradient(700px 380px at -10% 110%, var(--glow-2), transparent 60%),
      linear-gradient(160deg, var(--hero-1), var(--hero-2));
  }
  .hero .wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: start; }
  @media (max-width: 900px) { .hero { padding: 40px 0 56px; } .hero .wrap { grid-template-columns: 1fr; gap: 32px; } }
  .eyebrow {
    display: inline-block; font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
    color: var(--gold-bright); background: var(--glow-1); border: 1px solid var(--glow-1);
    padding: 5px 11px; border-radius: 999px;
  }
  .hero h1 { font-size: clamp(42px, 6.4vw, 70px); line-height: 1; margin: 18px 0 18px; text-transform: uppercase; }
  .hero h1 em { font-style: normal; color: var(--gold-bright); }
  .lead { font-size: 18px; color: rgba(255,255,255,.82); max-width: 34em; margin: 0 0 28px; }
  .cta-row { display: flex; flex-wrap: wrap; gap: 10px; }
  .points { list-style: none; padding: 0; margin: 32px 0 0; display: grid; gap: 10px; }
  .points li { display: flex; gap: 10px; align-items: flex-start; color: rgba(255,255,255,.86); }
  .points svg { color: var(--gold-bright); margin-top: 3px; flex: none; }

  /* enquiry card */
  .card {
    background: var(--surface); border: 1px solid var(--rule); border-radius: 14px;
    box-shadow: var(--shadow); padding: 24px;
  }
  .card { color: var(--ink); border-top: 4px solid var(--gold-bright); }
  .card h2 { font-size: 22px; }
  .card .hint { color: var(--muted); font-size: 14px; margin: 4px 0 18px; }
  form { display: grid; gap: 12px; }
  .row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  @media (max-width: 420px) { .row2 { grid-template-columns: 1fr; } }
  label { display: grid; gap: 5px; font-size: 13px; font-weight: 600; color: var(--ink-2); }
  input, select {
    font: inherit; font-size: 15px; color: var(--ink); background: var(--ground);
    border: 1px solid var(--rule); border-radius: 8px; padding: 10px 12px; width: 100%;
  }
  input:focus, select:focus { outline: 2px solid var(--accent); outline-offset: -1px; border-color: var(--accent); }
  form .btn { width: 100%; margin-top: 4px; }
  .fine { font-size: 12px; color: var(--muted); margin: 0; }
  .consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; font-weight: 400; color: var(--muted); line-height: 1.45; }
  .consent input { width: 18px; height: 18px; margin: 1px 0 0; flex: none; accent-color: var(--accent); padding: 0; }
  .trap { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
  #enquiry-status { font-size: 13px; color: var(--accent); min-height: 1em; margin: 0; }

  /* sections */
  .band { padding: 72px 0; border-top: 1px solid var(--rule); }
  .band.alt { background: var(--surface); }
  .kicker { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--accent); }
  .band h2 { font-size: clamp(26px, 3.4vw, 36px); margin: 8px 0 10px; }
  .sub { color: var(--ink-2); max-width: 40em; margin: 0 0 36px; font-size: 16px; }

  .grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; }
  .tile { background: var(--surface); border: 1px solid var(--rule); border-radius: 12px; padding: 20px; }
  .band.alt .tile { background: var(--ground); }
  .tile .ic {
    width: 36px; height: 36px; border-radius: 9px; display: grid; place-items: center;
    background: var(--accent-soft); color: var(--accent); margin-bottom: 12px;
  }
  .tile h3 { font-size: 17px; margin-bottom: 6px; }
  .grid .tile { transition: border-color .15s, transform .15s; }
  .grid .tile:hover { border-color: var(--accent); transform: translateY(-2px); }
  .tile p { margin: 0; color: var(--ink-2); font-size: 14.5px; }
  .more { margin: 20px 0 0; color: var(--muted); font-size: 14px; }

  .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; counter-reset: s; }
  @media (max-width: 900px) { .steps { grid-template-columns: repeat(2, 1fr); } }
  @media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }
  .step { padding: 20px; border-radius: 12px; border: 1px solid var(--rule); background: var(--ground); }
  .step::before {
    counter-increment: s; content: counter(s);
    display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
    background: var(--gold-soft); color: var(--gold); border: 1px solid var(--gold-bright); font-weight: 700; font-size: 14px; margin-bottom: 12px;
  }
  .step h3 { font-size: 16px; margin-bottom: 6px; }
  .step p { margin: 0; color: var(--ink-2); font-size: 14.5px; }

  .lenders { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
  .lenders li {
    background: var(--surface); border: 1px solid var(--rule); border-radius: 999px;
    padding: 8px 16px; font-weight: 600; font-size: 14px;
  }

  /* contact */
  .contact-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 20px; align-items: stretch; }
  @media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
  .contact-grid h3 { font-size: 26px; }
  .reach {
    color: #fff; border-radius: 18px; padding: 28px; border-top: 4px solid var(--gold-bright);
    background: radial-gradient(520px 260px at 100% 0, var(--glow-1), transparent 60%), linear-gradient(160deg, var(--hero-1), var(--hero-2));
  }
  .hours { display: flex; align-items: center; gap: 8px; margin: 6px 0 20px; color: rgba(255,255,255,.75); font-size: 14.5px; }
  .hours svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; }
  .reach-list { display: grid; gap: 10px; }
  .reach-row {
    display: flex; align-items: center; gap: 14px; padding: 14px 16px; border-radius: 14px; text-decoration: none; color: #fff;
    background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); transition: background .15s, border-color .15s, transform .15s;
  }
  a.reach-row:hover { background: rgba(255,255,255,.11); border-color: var(--gold-bright); transform: translateX(3px); }
  .ri { width: 44px; height: 44px; border-radius: 12px; flex: none; display: grid; place-items: center; }
  .ri svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
  .ri svg.fill { fill: currentColor; stroke: none; width: 22px; height: 22px; }
  .ri-call { background: var(--gold-bright); color: var(--gold-ink); }
  .ri-wa { background: #25d366; color: #fff; }
  .ri-mail { background: rgba(255,255,255,.14); color: #fff; }
  .rt { display: grid; min-width: 0; flex: 1; }
  .rt small { font-size: 12.5px; color: rgba(255,255,255,.65); text-transform: uppercase; letter-spacing: .06em; }
  .rt b { font-family: var(--display); font-weight: 600; font-size: 21px; letter-spacing: .01em; overflow-wrap: anywhere; }
  .rt b.addr { font-family: var(--body); font-size: 16px; font-weight: 500; line-height: 1.4; }
  .go { font-size: 20px; color: rgba(255,255,255,.5); }
  a.reach-row:hover .go { color: var(--gold-bright); }

  .people { background: var(--surface); border: 1px solid var(--rule); border-radius: 18px; padding: 28px; display: grid; gap: 12px; align-content: start; }
  .people-sub { margin: -4px 0 6px; color: var(--muted); font-size: 14.5px; }
  .person { display: flex; align-items: center; gap: 14px; padding: 14px; border-radius: 14px; background: var(--ground); border: 1px solid var(--rule); flex-wrap: wrap; }
  .avatar {
    width: 52px; height: 52px; border-radius: 50%; flex: none; display: grid; place-items: center;
    background: var(--accent); color: var(--accent-ink); font-family: var(--display); font-weight: 700; font-size: 20px; letter-spacing: .02em;
  }
  .avatar.alt { background: var(--gold-bright); color: var(--gold-ink); }
  .pt { display: grid; flex: 1; min-width: 140px; }
  .pt b { font-family: var(--display); font-size: 21px; font-weight: 600; line-height: 1.15; }
  .pt span { font-size: 13.5px; color: var(--muted); }
  .person .btn svg { width: 15px; height: 15px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
  .callback {
    display: flex; align-items: center; gap: 12px; margin-top: 6px; padding: 16px; border-radius: 14px; text-decoration: none;
    border: 1.5px dashed var(--accent); color: var(--ink); background: var(--accent-soft);
  }
  .callback b { font-family: var(--display); font-size: 19px; font-weight: 600; }
  .callback .cbt { display: grid; flex: 1; }
  .callback .cbt span { color: var(--ink-2); font-size: 14px; }
  .callback .go { color: var(--accent); }

  footer { background: var(--hero-1); padding: 32px 0 44px; color: rgba(255,255,255,.62); font-size: 13px; }
  footer b { color: #fff; }
  footer .wrap { display: grid; gap: 12px; }
  footer .line { display: flex; flex-wrap: wrap; gap: 8px 20px; align-items: center; }
  footer a { color: var(--gold-bright); }
  footer .grow { flex: 1; }
  footer .disc { max-width: 60em; margin: 0; }

  /* hero shortcuts to the calculators */
  .hero-tools { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 28px; max-width: 520px; }
  .hero-tools a {
    display: grid; gap: 2px; padding: 12px 14px; border-radius: 12px; text-decoration: none; color: #fff;
    background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
  }
  .hero-tools a:hover { background: rgba(255,255,255,.12); border-color: var(--gold-bright); }
  .hero-tools b { font-size: 14.5px; }
  .hero-tools span { font-size: 13px; color: rgba(255,255,255,.7); }
  @media (max-width: 420px) { .hero-tools { grid-template-columns: 1fr; } }

  /* stats strip */
  .stats-band { background: var(--surface); border-bottom: 1px solid var(--rule); }
  .stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); }
  .stat { padding: 24px 16px; text-align: center; border-left: 1px solid var(--rule); }
  .stat:first-child { border-left: 0; }
  .stat b { display: block; font-family: var(--display); font-size: 48px; line-height: 1.05; color: var(--accent); }
  .stat span { font-size: 13.5px; color: var(--muted); }

  /* loan explorer */
  .explorer { display: grid; grid-template-columns: 240px 1fr; gap: 20px; align-items: start; }
  .loan-tabs { display: grid; gap: 6px; }
  .loan-tabs button {
    font: inherit; font-size: 15px; font-weight: 600; text-align: left; cursor: pointer;
    padding: 12px 14px; border-radius: 10px; border: 1px solid var(--rule); background: var(--ground); color: var(--ink-2);
  }
  .loan-tabs button:hover { border-color: var(--accent); color: var(--ink); }
  .loan-tabs button[aria-selected="true"] { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
  .loan-panel { background: var(--ground); border: 1px solid var(--rule); border-radius: 14px; padding: 24px; }
  .loan-panel h3 { font-size: 24px; }
  .loan-panel .who { color: var(--ink-2); margin: 6px 0 14px; }
  .loan-panel h4 { margin: 20px 0 10px; font-size: 14px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
  .ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
  .ticks li { padding-left: 24px; position: relative; }
  .ticks li::before { content: ""; position: absolute; left: 4px; top: 7px; width: 10px; height: 6px; border: solid var(--accent); border-width: 0 0 2px 2px; transform: rotate(-45deg); }
  .docs { list-style: none; padding: 0; margin: 0 0 10px; display: flex; flex-wrap: wrap; gap: 8px; }
  .docs li { background: var(--surface); border: 1px solid var(--rule); border-radius: 8px; padding: 6px 10px; font-size: 13.5px; }
  .loan-panel .cta-row { margin-top: 16px; }
  @media (max-width: 760px) {
    .explorer { grid-template-columns: 1fr; }
    .loan-tabs { display: flex; overflow-x: auto; padding-bottom: 4px; }
    .loan-tabs button { white-space: nowrap; flex: none; }
  }

  /* calculators */
  .tool-tabs { display: inline-flex; gap: 4px; padding: 4px; border-radius: 12px; background: var(--rule-soft); margin-bottom: 18px; flex-wrap: wrap; }
  .tool-tabs button { font: inherit; font-size: 14px; font-weight: 600; border: 0; background: transparent; color: var(--ink-2); padding: 9px 16px; border-radius: 9px; cursor: pointer; }
  .tool-tabs button[aria-selected="true"] { background: var(--surface); color: var(--ink); box-shadow: 0 1px 3px rgba(0,0,0,.1); }
  .tool { display: grid; grid-template-columns: 1.2fr 1fr; gap: 20px; align-items: stretch; }
  @media (max-width: 860px) { .tool { grid-template-columns: 1fr; } }
  .inputs { background: var(--surface); border: 1px solid var(--rule); border-radius: 14px; padding: 24px; display: grid; gap: 22px; }
  .slider { display: grid; gap: 8px; }
  .sl-head { display: flex; justify-content: space-between; gap: 10px; }
  .sl-head label { font-size: 14px; font-weight: 600; color: var(--ink-2); }
  .sl-head span { font-weight: 700; color: var(--accent); font-size: 14px; }
  input[type="range"] { width: 100%; accent-color: var(--accent); height: 22px; padding: 0; background: none; border: 0; }
  .sl-box { display: flex; align-items: center; gap: 6px; color: var(--muted); font-size: 14px; }
  .sl-box input { width: 150px; padding: 7px 10px; font-size: 15px; font-weight: 600; }
  .result {
    border-radius: 14px; padding: 26px; color: #fff; display: grid; gap: 10px; align-content: start;
    background: radial-gradient(500px 240px at 100% 0, var(--glow-1), transparent 60%), linear-gradient(160deg, var(--hero-1), var(--hero-2));
  }
  .r-label { font-size: 14px; color: rgba(255,255,255,.75); }
  .r-big { font-family: var(--display); font-size: clamp(34px, 5vw, 46px); line-height: 1; color: var(--gold-bright); letter-spacing: -.02em; }
  .r-sub { margin: 0; color: rgba(255,255,255,.85); }
  .result .fine { color: rgba(255,255,255,.6); }
  .result .btn { justify-self: start; margin-top: 4px; }
  .donut-row { display: flex; align-items: center; gap: 22px; margin: 8px 0; flex-wrap: wrap; }
  .donut { width: 120px; height: 120px; flex: none; }
  .donut circle { fill: none; stroke-width: 16; }
  .d-principal { stroke: rgba(255,255,255,.22); }
  .d-interest { stroke: var(--gold-bright); stroke-linecap: butt; }
  .split { margin: 0; display: grid; gap: 8px; flex: 1; min-width: 180px; }
  .split div { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; }
  .split dt { color: rgba(255,255,255,.75); display: flex; align-items: center; gap: 8px; }
  .split dd { margin: 0; font-weight: 600; }
  .split .tot { border-top: 1px solid rgba(255,255,255,.18); padding-top: 8px; }
  .split i { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }
  .k-p { background: rgba(255,255,255,.35); } .k-i { background: var(--gold-bright); }

  .grid.why { grid-template-columns: repeat(3, 1fr); }
  @media (max-width: 860px) { .grid.why { grid-template-columns: repeat(2, 1fr); } }
  @media (max-width: 560px) { .grid.why { grid-template-columns: 1fr; } }

  /* testimonials */
  .quotes { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; margin-top: 28px; }
  .quote { margin: 0; background: var(--ground); border: 1px solid var(--rule); border-radius: 14px; padding: 22px; display: grid; gap: 14px; }
  .quote blockquote { margin: 0; font-size: 15.5px; color: var(--ink); }
  .quote blockquote::before { content: "\201C"; display: block; font-family: var(--display); font-size: 40px; line-height: .6; color: var(--gold); margin-bottom: 6px; }
  .quote figcaption { display: grid; font-size: 13.5px; color: var(--muted); }
  .quote figcaption b { color: var(--ink); }

  /* FAQ */
  .faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 40px; }
  @media (max-width: 860px) { .faq-wrap { grid-template-columns: 1fr; gap: 8px; } }
  .faq { display: grid; gap: 10px; }
  .faq details { background: var(--surface); border: 1px solid var(--rule); border-radius: 12px; padding: 0 18px; }
  .faq details[open] { border-color: var(--accent); }
  .faq summary { cursor: pointer; list-style: none; padding: 16px 28px 16px 0; font-weight: 600; position: relative; }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary::after { content: "+"; position: absolute; right: 0; top: 12px; font-size: 22px; color: var(--accent); }
  .faq details[open] summary::after { content: "\2212"; }
  .faq details p { margin: 0 0 16px; color: var(--ink-2); }

  /* closing call to action */
  .cta-band {
    color: #fff; padding: 56px 0;
    background: radial-gradient(700px 300px at 90% 0, var(--glow-1), transparent 60%), linear-gradient(160deg, var(--hero-1), var(--hero-2));
  }
  .cta-band .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
  .cta-band h2 { font-size: clamp(24px, 3.2vw, 34px); }
  .cta-band p { margin: 6px 0 0; color: rgba(255,255,255,.8); }
  .btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
  .btn-ghost-light:hover { border-color: #fff; }

  /* floating WhatsApp */
  .wa-float {
    position: fixed; right: 18px; bottom: 18px; z-index: 30; width: 56px; height: 56px; border-radius: 50%;
    display: grid; place-items: center; background: #25d366; color: #fff; box-shadow: 0 8px 24px rgba(0,0,0,.25);
  }
  .wa-float:hover { transform: scale(1.06); }

/* ── inner pages: loan pages and guides (built by site/build.py) ── */
.page-hero {
  color: #fff; padding: 48px 0 52px;
  background:
    radial-gradient(800px 360px at 90% -20%, var(--glow-1), transparent 60%),
    radial-gradient(600px 320px at -10% 120%, var(--glow-2), transparent 60%),
    linear-gradient(160deg, var(--hero-1), var(--hero-2));
}
.page-hero h1 { font-size: clamp(38px, 5.6vw, 62px); line-height: 1; text-transform: uppercase; margin: 14px 0 14px; max-width: 18em; }
.page-hero .lead { color: rgba(255,255,255,.84); margin-bottom: 24px; }
.hero-note { margin: 18px 0 0; font-size: 14px; color: rgba(255,255,255,.65); }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 13.5px; color: rgba(255,255,255,.6); }
.crumbs a { color: rgba(255,255,255,.85); text-decoration: none; }
.crumbs a:hover { color: var(--gold-bright); }
.inner .band h2 { margin-top: 0; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
@media (max-width: 760px) { .two-col { grid-template-columns: 1fr; } }
.inner .ticks li { margin: 4px 0; }
.link-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.link-chips a { text-decoration: none; color: var(--ink); background: var(--surface); border: 1px solid var(--rule); border-radius: 999px; padding: 8px 16px; font-weight: 600; font-size: 14.5px; }
.link-chips a:hover { border-color: var(--accent); color: var(--accent); }
.guides { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.guide-card { text-decoration: none; color: inherit; display: grid; gap: 6px; }
.guide-card:hover { border-color: var(--accent); }
.guide-card .go { color: var(--accent); font-weight: 600; font-size: 14px; }
.article { max-width: 760px; font-size: 17px; line-height: 1.7; }
.article .lead { font-size: 19px; color: var(--ink-2); }
.article h2 { font-size: 28px; margin: 34px 0 8px !important; }
.article ul { padding-left: 22px; }
.article li { margin: 5px 0; }
.cmp { overflow-x: auto; margin: 10px 0; }
.cmp table { border-collapse: collapse; width: 100%; min-width: 520px; font-size: 15px; background: var(--surface); border: 1px solid var(--rule); border-radius: 12px; overflow: hidden; }
.cmp th, .cmp td { text-align: left; padding: 10px 14px; border-bottom: 1px solid var(--rule); vertical-align: top; }
.cmp thead th { background: var(--rule-soft); font-family: var(--display); font-size: 17px; }
.cmp tbody th { font-weight: 600; color: var(--ink-2); white-space: nowrap; }

/* footer link columns */
.foot-links { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 13.5px; }
.foot-links b { color: #fff; margin-right: 4px; }
.more-link { align-self: center; font-weight: 600; font-size: 14.5px; text-decoration: none; }
.more-link:hover { text-decoration: underline; }