/* ============================================================
   Ledgerline Lending — main stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700&family=IBM+Plex+Sans:wght@400;500;600&family=IBM+Plex+Mono:wght@400;500;600&family=Caveat:wght@500;700&display=swap');

:root {
  --font-display: "Space Grotesk", sans-serif;
  --font-body: "IBM Plex Sans", sans-serif;
  --font-mono: "IBM Plex Mono", monospace;
  --font-hand: "Caveat", cursive;

  --ink: #0E2A26;
  --teal: #145C52;
  --teal-deep: #0D453D;
  --emerald: #2F8F6E;
  --mint: #EAF3EF;
  --mint-soft: #F3F6F4;
  --gold: #C9A227;
  --paper: #FBFBF9;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

main { flex: 1; }

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
  color: inherit;
}

.container {
  max-width: 1152px;
  margin: 0 auto;
  padding: 0 24px;
}

.font-display { font-family: var(--font-display); }
.font-mono { font-family: var(--font-mono); }

.eyebrow {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--emerald);
  margin-bottom: 10px;
  display: block;
}

/* ---------- Ledger line textures ---------- */
.ledger-lines {
  background-image: repeating-linear-gradient(
    to bottom, rgba(14,42,38,0.06) 0px, rgba(14,42,38,0.06) 1px,
    transparent 1px, transparent 42px
  );
}
.ledger-lines-tight {
  background-image: repeating-linear-gradient(
    to bottom, rgba(14,42,38,0.08) 0px, rgba(14,42,38,0.08) 1px,
    transparent 1px, transparent 28px
  );
}

/* ---------- Rate ticker ---------- */
.ticker-bar {
  background: var(--ink);
  color: var(--paper);
  overflow: hidden;
  user-select: none;
}
.ticker-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  font-family: var(--font-mono);
  font-size: 11px;
  white-space: nowrap;
}
.ticker-live {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
  padding-right: 16px;
  border-right: 1px solid rgba(255,255,255,0.15);
}
.ticker-dot {
  position: relative;
  width: 6px;
  height: 6px;
}
.ticker-dot::before, .ticker-dot::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 999px;
  background: var(--gold);
}
.ticker-dot::before {
  animation: ping 1.6s cubic-bezier(0,0,0.2,1) infinite;
}
@keyframes ping {
  75%, 100% { transform: scale(2.2); opacity: 0; }
}
.ticker-track-wrap { overflow: hidden; flex: 1; }
.ticker-track {
  display: flex;
  gap: 32px;
  width: max-content;
  animation: ticker 32s linear infinite;
}
@keyframes ticker {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.ticker-item { display: flex; align-items: center; gap: 6px; flex-shrink: 0; }
.ticker-label { color: rgba(255,255,255,0.5); }
.ticker-up { color: #34d399; }
.ticker-down { color: #fb7185; }

/* ---------- Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(251,251,249,0.9);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(14,42,38,0.1);
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.logo { display: flex; align-items: center; gap: 10px; }
.logo span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.logo.dark span { color: var(--paper); }

.nav-links { display: none; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(14,42,38,0.7);
  transition: color 0.2s, background 0.2s;
}
.nav-link:hover { color: var(--ink); background: var(--mint); }
.nav-link.active { color: #fff; background: var(--teal); }
.nav-cta {
  margin-left: 8px;
  padding: 8px 20px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  background: var(--ink);
  color: #fff;
  transition: background 0.2s;
}
.nav-cta:hover { background: var(--teal-deep); }

.nav-toggle {
  display: flex;
  padding: 8px;
  margin-right: -8px;
}
.nav-mobile {
  display: none;
  border-top: 1px solid rgba(14,42,38,0.1);
  padding: 12px 24px;
  flex-direction: column;
  gap: 4px;
}
.nav-mobile.open { display: flex; }
.nav-mobile a, .nav-mobile button {
  text-align: left;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(14,42,38,0.8);
}
.nav-mobile a.active { background: var(--teal); color: #fff; }

@media (min-width: 768px) {
  .nav-links { display: flex; }
  .nav-toggle { display: none; }
  .nav-mobile { display: none !important; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  transition: all 0.2s;
  position: relative;
  overflow: hidden;
}
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--teal-deep); }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { filter: brightness(0.96); }
.btn-outline-light {
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
}
.btn-outline-light:hover { background: rgba(255,255,255,0.1); }
.btn-outline {
  border: 1px solid rgba(14,42,38,0.2);
  color: var(--ink);
}
.btn-outline:hover { background: var(--mint); }

.btn-sweep::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, transparent 20%, rgba(255,255,255,0.25) 40%, transparent 60%);
  transform: translateX(-120%);
  transition: transform 0.6s ease;
}
.btn-sweep:hover::after { transform: translateX(120%); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-bg .overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(14,42,38,0.95), rgba(14,42,38,0.85) 55%, rgba(14,42,38,0.6));
}
.hero-bg .lines {
  position: absolute;
  inset: 0;
  opacity: 0.4;
}
.hero-glow {
  position: absolute;
  top: -96px;
  right: -96px;
  width: 384px;
  height: 384px;
  border-radius: 999px;
  background: rgba(47,143,110,0.2);
  filter: blur(64px);
  animation: glow 8s ease-in-out infinite;
}
@keyframes glow {
  0%, 100% { transform: scale(1); opacity: 0.4; }
  50% { transform: scale(1.15); opacity: 0.7; }
}
.hero-inner {
  position: relative;
  display: grid;
  gap: 48px;
  padding: 64px 0 80px;
  align-items: center;
}
@media (min-width: 768px) {
  .hero-inner { grid-template-columns: 1fr 1fr; padding: 96px 0 112px; }
}
.hero-eyebrow {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: #fff;
  margin: 0;
}
.hero h1 span { display: block; color: var(--mint); }
.hero p.lede {
  margin-top: 24px;
  font-size: 17px;
  line-height: 1.6;
  color: rgba(255,255,255,0.75);
  max-width: 420px;
}
.hero-actions {
  margin-top: 32px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

@media (min-width: 768px) {
  .hero h1 { font-size: 48px; }
}

/* ---------- Mini calculator card ---------- */
.calc-card {
  background: #fff;
  border-radius: 16px;
  border: 1px solid rgba(14,42,38,0.1);
  box-shadow: 0 20px 40px -12px rgba(0,0,0,0.25);
  padding: 28px;
}
.calc-card .label-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-top: 16px;
  font-size: 14px;
}
.calc-card input[type="range"] { width: 100%; margin-top: 12px; accent-color: var(--teal); }
.calc-result-row {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px dashed rgba(14,42,38,0.15);
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.calc-payment {
  font-family: var(--font-mono);
  font-size: 30px;
  font-weight: 600;
  color: var(--teal-deep);
}
.calc-meta { text-align: right; font-size: 12px; color: rgba(14,42,38,0.5); font-family: var(--font-mono); }
.calc-link {
  display: block;
  width: 100%;
  text-align: center;
  margin-top: 24px;
  font-size: 14px;
  font-weight: 600;
  color: var(--teal);
}
.calc-link:hover { color: var(--teal-deep); }

/* ---------- Sections ---------- */
section.section { padding: 80px 0; }
section.section.tight { padding: 64px 0; }
.section-header { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
h2.section-title {
  font-family: var(--font-display);
  font-size: 30px;
  font-weight: 600;
  letter-spacing: -0.01em;
  margin: 0;
}
.link-arrow { font-size: 14px; font-weight: 600; color: var(--teal); display: inline-flex; align-items: center; gap: 4px; }
.link-arrow:hover { color: var(--teal-deep); }

/* ---------- Stats ---------- */
.stats-band { border-top: 1px solid rgba(14,42,38,0.1); border-bottom: 1px solid rgba(14,42,38,0.1); background: var(--mint-soft); }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; padding: 40px 0; text-align: center; }
@media (min-width: 768px) { .stats-grid { text-align: left; } }
.stat-value { font-family: var(--font-mono); font-size: 24px; font-weight: 600; color: var(--teal-deep); }
@media (min-width: 768px) { .stat-value { font-size: 30px; } }
.stat-label { font-size: 13px; color: rgba(14,42,38,0.6); margin-top: 4px; }

/* ---------- Cards ---------- */
.card {
  background: #fff;
  border: 1px solid rgba(14,42,38,0.1);
  border-radius: 16px;
  transition: box-shadow 0.3s, transform 0.3s;
}
.card:hover { box-shadow: 0 8px 30px -8px rgba(20,92,82,0.35); }
.card-grid { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 768px) { .card-grid.cols-3 { grid-template-columns: repeat(3, 1fr); } .card-grid.cols-2 { grid-template-columns: repeat(2,1fr);} }
@media (min-width: 1024px) { .card-grid.services { grid-template-columns: repeat(3, 1fr); } }

.card-body { padding: 24px; }
.card-photo { height: 144px; overflow: hidden; }
.card-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s; transform: scale(1.05); }
.card:hover .card-photo img { transform: scale(1.15); }
.card h3 { font-family: var(--font-display); font-weight: 600; font-size: 18px; margin: 12px 0 0; }
.card .range { font-family: var(--font-mono); font-size: 12px; color: var(--gold); margin-top: 4px; }
.card p.copy { font-size: 14px; color: rgba(14,42,38,0.65); margin-top: 12px; line-height: 1.6; }

.card.icon-card { padding: 24px; }
.card.icon-card svg { color: var(--teal); }
.card.icon-card h3 { margin-top: 16px; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--ink); color: var(--paper); }
.cta-inner { display: flex; flex-direction: column; gap: 24px; padding: 64px 0; align-items: flex-start; }
@media (min-width: 768px) { .cta-inner { flex-direction: row; align-items: center; justify-content: space-between; } }
.cta-inner h2 { font-family: var(--font-display); font-size: 24px; font-weight: 600; margin: 0; }
@media (min-width: 768px) { .cta-inner h2 { font-size: 30px; } }
.cta-inner p { color: rgba(251,251,249,0.6); margin-top: 8px; max-width: 420px; }

/* ---------- Loan slider ---------- */
.slider {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(14,42,38,0.1);
  box-shadow: 0 1px 3px rgba(0,0,0,0.08);
}
.slider-viewport { position: relative; height: 288px; }
@media (min-width: 768px) { .slider-viewport { height: 384px; } }
.slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 0.5s ease;
}
.slide.active { opacity: 1; z-index: 1; }
.slide img { width: 100%; height: 100%; object-fit: cover; }
.slide .overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(14,42,38,0.85), rgba(14,42,38,0.15) 60%, transparent);
}
.slide-text { position: absolute; left: 0; right: 0; bottom: 0; padding: 24px 32px; color: #fff; }
.slide-text h3 { font-family: var(--font-display); font-size: 24px; font-weight: 600; margin: 0; }
@media (min-width: 768px) { .slide-text h3 { font-size: 28px; } }
.slide-text p { color: rgba(255,255,255,0.75); font-size: 14px; margin-top: 4px; max-width: 420px; }
.slide-text .learn-more { margin-top: 12px; display: inline-block; font-size: 14px; font-weight: 600; color: var(--gold); }
.slide-text .learn-more:hover { color: #fff; }

.slider-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  width: 36px; height: 36px; border-radius: 999px;
  background: rgba(255,255,255,0.9);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 10px rgba(0,0,0,0.15);
  z-index: 2;
}
.slider-arrow:hover { background: #fff; }
.slider-arrow.prev { left: 12px; }
.slider-arrow.next { right: 12px; }
.slider-dots { position: absolute; bottom: 12px; right: 16px; display: flex; gap: 6px; z-index: 2; }
.slider-dots button { height: 6px; border-radius: 999px; width: 6px; background: rgba(255,255,255,0.6); transition: all 0.3s; }
.slider-dots button:hover { background: rgba(255,255,255,0.9); }
.slider-dots button.active { width: 24px; background: var(--gold); }

/* ---------- Chart ---------- */
.chart-card { background: #fff; border: 1px solid rgba(14,42,38,0.1); border-radius: 16px; padding: 24px; }
.chart-wrap { height: 280px; }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s cubic-bezier(0.22,1,0.36,1), transform 0.6s cubic-bezier(0.22,1,0.36,1); }
.reveal.in-view { opacity: 1; transform: translateY(0); }

/* ---------- Tilt ---------- */
.tilt { transform-style: preserve-3d; transition: transform 0.2s ease-out; will-change: transform; }

/* ---------- Social proof toast ---------- */
.toast-host { position: fixed; bottom: 20px; left: 20px; z-index: 50; }
.toast {
  display: flex; align-items: flex-start; gap: 12px;
  background: #fff; border-radius: 12px; border: 1px solid rgba(14,42,38,0.1);
  box-shadow: 0 20px 30px -10px rgba(0,0,0,0.2);
  padding: 16px; max-width: 300px;
  transform: translateY(24px) scale(0.96); opacity: 0;
  transition: transform 0.4s cubic-bezier(0.22,1,0.36,1), opacity 0.4s;
}
.toast.show { transform: translateY(0) scale(1); opacity: 1; }
.toast .icon { color: var(--emerald); flex-shrink: 0; margin-top: 2px; }
.toast .msg { font-size: 14px; }
.toast .amount { font-family: var(--font-mono); color: var(--teal-deep); font-weight: 600; margin-top: 2px; }
.toast .time { font-size: 12px; color: rgba(14,42,38,0.4); margin-top: 4px; }
.toast .close { margin-left: 4px; color: rgba(14,42,38,0.3); }
.toast .close:hover { color: rgba(14,42,38,0.6); }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: rgba(251,251,249,0.7); border-top: 1px solid rgba(255,255,255,0.1); }
.footer-grid { display: grid; gap: 32px; padding: 48px 0; grid-template-columns: 1fr; }
@media (min-width: 640px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 768px) { .footer-grid { grid-template-columns: repeat(4, 1fr); } }
.footer-grid h4 { font-family: var(--font-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.4); margin: 0 0 12px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.footer-grid ul a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); }
.footer-bottom .container { padding: 20px 24px; font-family: var(--font-mono); font-size: 12px; color: rgba(255,255,255,0.4); }

/* ---------- Page headers (About/Services/Calculator/Contact) ---------- */
.page-hero { padding: 64px 0 40px; position: relative; overflow: hidden; }
.page-hero h1 { font-family: var(--font-display); font-size: 36px; font-weight: 600; letter-spacing: -0.01em; max-width: 620px; margin: 0; }
.page-hero p.lede { margin-top: 16px; color: rgba(14,42,38,0.7); max-width: 620px; }
.backdrop-bars { position: absolute; bottom: 0; left: 0; width: 100%; height: 160px; pointer-events: none; }

.about-hero-grid { display: grid; gap: 40px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .about-hero-grid { grid-template-columns: 1.1fr 0.9fr; } }
.about-hero-photo { border-radius: 20px; overflow: hidden; box-shadow: 0 20px 40px -16px rgba(14,42,38,0.35); }
.about-hero-photo img { width: 100%; height: 100%; object-fit: cover; max-height: 380px; }

.value svg { display: block; margin-bottom: 14px; }

/* ---------- About values / team ---------- */
.values-band { border-top: 1px solid rgba(14,42,38,0.1); border-bottom: 1px solid rgba(14,42,38,0.1); background: var(--mint-soft); }
.values-grid { display: grid; gap: 32px; padding: 64px 0; grid-template-columns: 1fr; }
@media (min-width: 768px) { .values-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 768px) { .values-grid .value:not(:first-child) { border-left: 1px solid rgba(14,42,38,0.1); padding-left: 32px; } }
.value h3 { font-family: var(--font-display); font-weight: 600; font-size: 18px; margin: 0; }
.value p { font-size: 14px; color: rgba(14,42,38,0.65); margin-top: 8px; line-height: 1.6; }

.team-grid { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .team-grid { grid-template-columns: repeat(3, 1fr); } }
.team-card { padding: 24px; }
.team-photo { height: 220px; overflow: hidden; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s; }
.team-card:hover .team-photo img { transform: scale(1.06); }
.avatar {
  width: 48px; height: 48px; border-radius: 999px; background: var(--mint);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 600; color: var(--teal-deep);
}
.team-card .name { font-family: var(--font-display); font-weight: 600; margin-top: 0; }
.team-card .role { font-size: 14px; color: rgba(14,42,38,0.6); }

.vision-grid { display: grid; gap: 40px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .vision-grid { grid-template-columns: 1fr 1fr; } }
.vision-photo { border-radius: 20px; overflow: hidden; box-shadow: 0 20px 40px -16px rgba(14,42,38,0.25); }
.vision-photo img { width: 100%; height: 100%; object-fit: cover; max-height: 340px; }

/* ---------- Calculator page ---------- */
.calc-layout { display: grid; gap: 32px; grid-template-columns: 1fr; margin-top: 48px; }
@media (min-width: 1024px) { .calc-layout { grid-template-columns: 2fr 3fr; } }
.calc-controls { display: flex; flex-direction: column; gap: 32px; }
.type-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.type-btn {
  padding: 10px 12px; border-radius: 12px; font-size: 14px; font-weight: 500;
  border: 1px solid rgba(14,42,38,0.15); transition: all 0.2s;
}
.type-btn:hover { border-color: rgba(20,92,82,0.4); }
.type-btn.active { background: var(--teal); color: #fff; border-color: var(--teal); transform: scale(1.02); }
.term-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.term-btn {
  padding: 8px 14px; border-radius: 8px; font-size: 14px; font-family: var(--font-mono);
  border: 1px solid rgba(14,42,38,0.15); transition: all 0.2s;
}
.term-btn:hover { border-color: rgba(20,92,82,0.4); }
.term-btn.active { background: var(--ink); color: #fff; border-color: var(--ink); transform: scale(1.05); }
.range-minmax { display: flex; justify-content: space-between; font-size: 12px; color: rgba(14,42,38,0.45); font-family: var(--font-mono); margin-top: 4px; }

.calc-result-card {
  background: #fff; border-radius: 16px; border: 1px solid rgba(14,42,38,0.1);
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
  padding: 32px;
}
.calc-result-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 32px; }
.rate-pill { font-family: var(--font-mono); font-size: 12px; padding: 4px 10px; border-radius: 999px; background: var(--mint); color: var(--teal-deep); }
.calc-big-payment { font-family: var(--font-mono); font-size: 48px; font-weight: 600; color: var(--teal-deep); letter-spacing: -0.01em; }
@media (min-width: 768px) { .calc-big-payment { font-size: 60px; } }
.calc-breakdown { margin-top: 40px; padding-top: 24px; border-top: 1px dashed rgba(14,42,38,0.15); display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.calc-breakdown .item-label { font-size: 12px; color: rgba(14,42,38,0.5); }
.calc-breakdown .item-value { font-family: var(--font-mono); font-weight: 600; margin-top: 4px; }
.calc-disclaimer { margin-top: 32px; font-size: 12px; color: rgba(14,42,38,0.4); font-style: italic; }

/* ---------- Contact page ---------- */
.contact-layout { display: grid; gap: 40px; grid-template-columns: 1fr; margin-top: 48px; }
@media (min-width: 1024px) { .contact-layout { grid-template-columns: 2fr 3fr; } }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-row { display: flex; align-items: flex-start; gap: 12px; }
.contact-row .icon-badge {
  width: 36px; height: 36px; border-radius: 999px; background: var(--mint);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  color: var(--teal-deep);
}
.contact-row .r-label { font-size: 12px; color: rgba(14,42,38,0.5); }
.contact-row .r-value { font-size: 14px; font-weight: 500; }
.contact-hours { padding-top: 24px; border-top: 1px solid rgba(14,42,38,0.1); }

.contact-form-card {
  padding: 32px; border-radius: 16px; border: 1px solid rgba(14,42,38,0.1); background: #fff;
}
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; }
.field input, .field textarea, .field select {
  width: 100%; padding: 12px 16px; border-radius: 12px; border: 1px solid rgba(14,42,38,0.15);
  font-size: 14px; font-family: inherit; resize: none; background: #fff;
}
.field select {
  appearance: none; -webkit-appearance: none; -moz-appearance: none;
  padding-right: 42px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23145C52' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat: no-repeat;
  background-position: right 14px center;
  color: var(--ink);
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field select:hover { border-color: rgba(20,92,82,0.4); }
.field select:invalid { color: rgba(14,42,38,0.45); }
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; box-shadow: 0 0 0 2px rgba(20,92,82,0.4); border-color: transparent;
}
.field-row { display: grid; gap: 20px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .field-row { grid-template-columns: 1fr 1fr; } }

.form-success {
  padding: 32px; border-radius: 16px; border: 1px solid rgba(47,143,110,0.3); background: var(--mint-soft);
}
.form-success h2 { font-family: var(--font-display); font-weight: 600; font-size: 20px; color: var(--teal-deep); margin: 0; }
.form-success p { font-size: 14px; color: rgba(14,42,38,0.65); margin-top: 8px; }

.form-error {
  padding: 16px 20px; border-radius: 12px; background: #FEF2F2; border: 1px solid #FCA5A5;
  color: #991B1B; font-size: 14px; margin-bottom: 24px;
}
.hp-field { position: absolute !important; left: -9999px !important; top: -9999px !important; }

/* ---------- Multi-step application form ---------- */
.step-progress {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 32px;
}
.step-dot {
  display: flex;
  align-items: center;
  gap: 8px;
  opacity: 0.4;
  transition: opacity 0.3s;
}
.step-dot.active, .step-dot.done { opacity: 1; }
.step-dot .num {
  width: 28px; height: 28px; border-radius: 999px;
  background: rgba(14,42,38,0.1);
  color: var(--ink);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono); font-size: 13px; font-weight: 600;
  flex-shrink: 0;
  transition: background 0.3s, color 0.3s;
}
.step-dot.active .num, .step-dot.done .num { background: var(--teal); color: #fff; }
.step-dot .label { font-size: 13px; font-weight: 600; display: none; }
@media (min-width: 640px) { .step-dot .label { display: inline; } }
.step-line { flex: 1; height: 1px; background: rgba(14,42,38,0.15); max-width: 60px; }

.form-step { display: none; }
.form-step.active { display: block; }
.step-title { font-family: var(--font-display); font-size: 18px; font-weight: 600; margin: 0 0 20px; }
.step-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 8px; }

/* ---------- File upload dropzone ---------- */
.file-drop {
  border: 2px dashed rgba(14,42,38,0.2);
  border-radius: 12px;
  padding: 28px 20px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}
.file-drop:hover, .file-drop.dragover { border-color: var(--teal); background: var(--mint-soft); }
.file-drop input[type="file"] { position: absolute; width: 1px; height: 1px; opacity: 0; overflow: hidden; }
.file-drop .icon { color: var(--teal); }
.file-drop .prompt { font-size: 14px; font-weight: 600; margin-top: 8px; }
.file-drop .hint { font-size: 12px; color: rgba(14,42,38,0.5); margin-top: 4px; }
.file-name-preview {
  margin-top: 12px; font-size: 13px; font-weight: 600; color: var(--teal-deep);
  display: none; align-items: center; justify-content: center; gap: 6px;
}
.file-name-preview.show { display: flex; }

/* ---------- Checkbox ---------- */
.checkbox-field { display: flex; align-items: flex-start; gap: 10px; margin: 24px 0; }
.checkbox-field input[type="checkbox"] { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--teal); flex-shrink: 0; }
.checkbox-field label { font-size: 14px; line-height: 1.5; color: rgba(14,42,38,0.8); }

/* ============================================================
   Creative / human-touch additions
   ============================================================ */

/* ---------- Decorative background blobs ---------- */
.blob-decor {
  position: absolute;
  border-radius: 50%;
  filter: blur(50px);
  pointer-events: none;
  z-index: 0;
}
.section-decor { position: relative; overflow: hidden; }
.section-decor > .container { position: relative; z-index: 1; }

/* ---------- iPhone icon (small inline glyph) ---------- */
.iphone-icon {
  display: inline-flex;
  flex-shrink: 0;
}

/* ---------- iPhone mockup frame ---------- */
.phone-mockup-wrap {
  display: flex;
  justify-content: center;
  perspective: 1200px;
}
.phone-mockup {
  width: 240px;
  height: 490px;
  background: var(--ink);
  border-radius: 42px;
  padding: 10px;
  box-shadow:
    0 30px 60px -20px rgba(14,42,38,0.45),
    0 0 0 2px rgba(255,255,255,0.06) inset;
  position: relative;
  transform: rotate(-3deg);
  transition: transform 0.5s ease;
}
.phone-mockup:hover { transform: rotate(0deg) translateY(-4px); }
.phone-mockup .screen {
  background: var(--paper);
  width: 100%;
  height: 100%;
  border-radius: 32px;
  overflow: hidden;
  position: relative;
  display: flex;
  flex-direction: column;
}
.phone-mockup .notch {
  position: absolute;
  top: 10px;
  left: 50%;
  transform: translateX(-50%);
  width: 90px;
  height: 22px;
  background: var(--ink);
  border-radius: 999px;
  z-index: 2;
}
.phone-mockup .screen-content {
  flex: 1;
  padding: 44px 16px 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.phone-mockup .home-indicator {
  position: absolute;
  bottom: 8px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 4px;
  border-radius: 999px;
  background: rgba(14,42,38,0.2);
}
.phone-notif {
  background: #fff;
  border-radius: 14px;
  border: 1px solid rgba(14,42,38,0.08);
  box-shadow: 0 8px 20px -8px rgba(14,42,38,0.15);
  padding: 12px 14px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.phone-notif .badge {
  width: 26px; height: 26px; border-radius: 8px;
  background: var(--teal); color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.phone-notif .title { font-size: 12px; font-weight: 700; margin: 0; }
.phone-notif .body { font-size: 11px; color: rgba(14,42,38,0.6); margin: 2px 0 0; line-height: 1.4; }
.phone-notif.dim { opacity: 0.55; transform: scale(0.97); }

/* ---------- Mobile feature section (index) ---------- */
.mobile-feature-grid {
  display: grid;
  gap: 48px;
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 900px) { .mobile-feature-grid { grid-template-columns: 0.85fr 1.15fr; } }
.mobile-feature-list { display: flex; flex-direction: column; gap: 20px; margin-top: 24px; }
.mobile-feature-item { display: flex; gap: 14px; align-items: flex-start; }
.mobile-feature-item .icon-badge {
  width: 38px; height: 38px; border-radius: 10px; background: var(--mint);
  display: flex; align-items: center; justify-content: center; color: var(--teal-deep);
  flex-shrink: 0;
}
.mobile-feature-item h4 { font-family: var(--font-display); font-size: 15px; font-weight: 600; margin: 0; }
.mobile-feature-item p { font-size: 13px; color: rgba(14,42,38,0.6); margin: 2px 0 0; }

/* ---------- Testimonials ---------- */
.testimonial-card {
  padding: 28px;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.testimonial-stars { display: flex; gap: 3px; color: var(--gold); }
.testimonial-quote {
  font-size: 15px;
  line-height: 1.65;
  color: rgba(14,42,38,0.8);
  margin: 14px 0 20px;
  flex: 1;
}
.testimonial-person { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.testimonial-person img {
  width: 44px; height: 44px; border-radius: 999px; object-fit: cover;
  border: 2px solid var(--mint);
}
.testimonial-person .name { font-weight: 600; font-size: 14px; margin: 0; }
.testimonial-person .meta { font-size: 12px; color: rgba(14,42,38,0.5); margin: 0; }

/* ---------- Founder / human note (About page) ---------- */
.founder-note {
  position: relative;
  background: var(--mint-soft);
  border-radius: 20px;
  padding: 40px;
  display: grid;
  gap: 28px;
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 800px) { .founder-note { grid-template-columns: auto 1fr; padding: 48px; } }
.founder-note .quote-mark {
  font-family: var(--font-display);
  font-size: 72px;
  line-height: 1;
  color: var(--gold);
  opacity: 0.5;
}
.founder-note blockquote {
  font-family: var(--font-hand);
  font-size: 28px;
  line-height: 1.4;
  color: var(--ink);
  margin: 0;
}
.founder-note .signature {
  margin-top: 18px;
  font-family: var(--font-hand);
  font-size: 26px;
  color: var(--teal-deep);
}
.founder-note .role {
  font-size: 13px;
  color: rgba(14,42,38,0.55);
  font-family: var(--font-body);
  margin-top: -6px;
}
.founder-avatar {
  width: 84px; height: 84px; border-radius: 999px; overflow: hidden;
  border: 3px solid #fff; box-shadow: 0 6px 16px rgba(14,42,38,0.15);
  justify-self: center;
}
.founder-avatar img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Human caption on service/loan cards ---------- */
.human-caption {
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px dashed rgba(14,42,38,0.15);
  font-family: var(--font-hand);
  font-size: 18px;
  color: var(--teal-deep);
  line-height: 1.3;
}

/* ---------- Text-us bubble (contact page) ---------- */
.text-us-note {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
  padding: 14px 16px;
  background: var(--mint-soft);
  border-radius: 12px;
}
.text-us-note p { margin: 0; font-size: 13px; color: rgba(14,42,38,0.7); }
.text-us-note strong { color: var(--ink); }