:root {
  --navy: #0b1020;
  --navy-2: #161c30;
  --ink: #0b1020;
  --muted: #5b6478;
  --paper: #f7f8fb;
  --white: #ffffff;
  --line: #e6e8ef;
  --line-strong: #d5d9e4;
  --gold: #4c59f2;
  --gold-deep: #3643d4;
  --gold-soft: #eef0ff;
  --lilac: #b8c0ff;
  --shadow: 0 12px 32px rgba(11, 16, 32, 0.08);
  --header: 72px;
  --serif: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --sans: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  font-weight: 400;
}

::selection { background: #dce0ff; color: var(--ink); }

h1 em, h2 em {
  font-style: normal;
  color: var(--gold);
}

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

h1, h2, h3, p { margin: 0; }

h1, h2, h3 {
  font-family: var(--sans);
  font-weight: 650;
  letter-spacing: -0.04em;
  line-height: 1.08;
}

a { color: inherit; }

button, input, select, textarea { font: inherit; color: inherit; }

.skip {
  position: absolute;
  left: 12px;
  top: -40px;
  background: var(--gold);
  color: #fff;
  padding: 8px 12px;
  z-index: 80;
}

.skip:focus { top: 12px; }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.wrap {
  width: min(1120px, calc(100% - 32px));
  margin-inline: auto;
}

.utility {
  background: var(--navy);
  color: #c5cbdc;
  font-size: 12px;
  letter-spacing: 0.01em;
}

.utility-inner,
.utility-links {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
}

.utility-inner { min-height: 36px; flex-wrap: wrap; }

.utility-places,
.utility-links { margin: 0; }

.utility-places { display: flex; gap: 14px; }
.utility-places span { position: relative; }
.utility-places span + span::before {
  content: "";
  display: inline-block;
  width: 3px;
  height: 3px;
  border-radius: 50%;
  background: var(--lilac);
  margin-right: 14px;
  vertical-align: middle;
}

.utility a {
  text-decoration: none;
  white-space: nowrap;
  color: #fff;
}
.utility a span {
  color: var(--lilac);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 10px;
  font-weight: 650;
  margin-right: 6px;
}
.utility a:hover { color: var(--lilac); }

.utility-links { gap: 22px; flex-wrap: wrap; justify-content: flex-end; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: #fff;
  border-bottom: 1px solid var(--line);
}

.site-header.is-stuck {
  box-shadow: 0 8px 24px rgba(11, 16, 32, 0.06);
}

.header-bar {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header);
  gap: 20px;
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.logo img {
  height: 55px;
  width: auto;
}

.footer-logo {
  height: 40px;
  width: auto;
  margin-bottom: 12px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.site-nav > a,
.nav-drop {
  text-decoration: none;
  background: none;
  border: 0;
  padding: 8px 12px;
  border-radius: 8px;
  color: #3d465c;
  cursor: pointer;
  font-size: 14px;
  font-weight: 550;
}

.nav-drop::after {
  content: "";
  display: inline-block;
  width: 6px;
  height: 6px;
  margin-left: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
}

.site-nav > a:hover,
.nav-drop:hover,
.site-nav > a[aria-current="true"] {
  color: var(--ink);
  background: var(--paper);
}

.site-nav > a.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-radius: 8px;
  min-height: 40px;
  padding: 0 16px;
  margin-left: 8px;
}

.site-nav > a.btn-navy:hover {
  background: var(--navy-2);
  color: var(--white);
}

.nav-item { position: relative; }

.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  z-index: 20;
  width: 280px;
  padding: 18px 8px 8px;
  background: transparent;
  border: 0;
  box-shadow: none;
}

.dropdown::before {
  content: "";
  position: absolute;
  z-index: 0;
  left: 0;
  right: 0;
  top: 10px;
  bottom: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: 0 16px 40px rgba(11, 16, 32, 0.1);
}

.dropdown > * { position: relative; z-index: 1; }

.dropdown-label {
  margin: 4px 12px 6px;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 650;
}

.dropdown a {
  display: block;
  text-decoration: none;
  padding: 9px 12px;
  border-radius: 8px;
  font-size: 14px;
  color: var(--ink);
}

.dropdown a:hover { background: var(--paper); }

.nav-item:hover .dropdown,
.nav-item:focus-within .dropdown,
.nav-item.is-open .dropdown { display: block; }

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
}

.nav-toggle-lines,
.nav-toggle-lines::before,
.nav-toggle-lines::after {
  display: block;
  width: 18px;
  height: 1.5px;
  background: var(--navy);
  position: relative;
}

.nav-toggle-lines { margin: 0 auto; }
.nav-toggle-lines::before,
.nav-toggle-lines::after {
  content: "";
  position: absolute;
  left: 0;
}
.nav-toggle-lines::before { top: -6px; }
.nav-toggle-lines::after { top: 6px; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 42px;
  padding: 0 16px;
  border-radius: 8px;
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  font-weight: 600;
  letter-spacing: -0.01em;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}

.btn:hover { transform: translateY(-2px); }

.btn-gold {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}

.btn-gold:hover { background: var(--gold-deep); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}

.btn-navy:hover { background: var(--navy-2); }

.btn-ghost {
  color: var(--ink);
  border-color: var(--line-strong);
  background: #fff;
}

.btn-ghost:hover { background: #f4f6fb; }

.btn-line {
  background: transparent;
  border-color: var(--line);
  color: var(--navy);
}

.btn-line:hover { border-color: var(--gold); }

.btn-text {
  background: transparent;
  color: var(--gold-deep);
  padding-inline: 8px;
}

.kicker {
  color: var(--gold-deep);
  font-size: 12px;
  font-weight: 640;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.kicker-light { color: var(--lilac); }

.brand-kicker {
  display: inline-block;
  margin: 0 0 16px;
  padding: 0;
  color: #c5cdff;
  font-size: 12px;
  font-weight: 650;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.hero {
  background:
    radial-gradient(720px 420px at 12% 0%, rgba(76, 89, 242, 0.55), transparent 58%),
    radial-gradient(640px 380px at 92% 110%, rgba(54, 67, 212, 0.45), transparent 60%),
    linear-gradient(155deg, #1a2344 0%, #0b1020 42%, #070b16 100%);
  color: #fff;
  padding: 72px 0 80px;
}

.hero h1 em { color: #c5cdff; }

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(36px, 4.2vw, 56px);
  max-width: 14ch;
  font-weight: 650;
}

.lede {
  margin-top: 18px;
  max-width: 46ch;
  color: #c5cbdc;
  font-size: 18px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.hero { padding-bottom: 112px; }

.stat-band {
  position: relative;
  z-index: 2;
  margin-top: -56px;
  padding: 0;
  background: transparent;
}

.stat-band + .section { padding-top: 56px; }

.stat-row {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  margin: 0 auto;
  padding: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: 0 16px 40px rgba(11, 16, 32, 0.1);
  overflow: hidden;
}

.stat-row li {
  position: relative;
  padding: 26px 16px 22px;
  text-align: center;
  background: #fff;
}

.stat-row li + li { box-shadow: inset 1px 0 0 var(--line); }

.stat-row strong {
  display: block;
  color: var(--navy);
  font-size: clamp(26px, 2.4vw, 34px);
  font-weight: 700;
  letter-spacing: -0.045em;
  line-height: 1.05;
  white-space: nowrap;
}

.stat-row li > span {
  display: block;
  margin-top: 8px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 650;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hero .card {
  box-shadow: 0 24px 50px rgba(0, 0, 0, 0.28);
}

.hero .btn-ghost,
.page-hero .btn-ghost {
  color: #fff;
  background: transparent;
  border-color: rgba(255, 255, 255, 0.28);
}

.hero .btn-ghost:hover { background: rgba(255, 255, 255, 0.08); }

.card {
  background: var(--white);
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 24px;
  box-shadow: 0 16px 40px rgba(11, 16, 32, 0.06);
}

.card h2 { font-size: 30px; color: var(--navy); }

.form-note,
.section-head p,
.loan-card p,
.person p,
.office p,
.why-grid p,
.strengths p,
.steps p,
.faq p,
.site-footer p {
  color: var(--muted);
}

.form-note { margin: 8px 0 18px; }

.enquiry-form label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 14px;
  font-weight: 520;
  margin-bottom: 12px;
}

.enquiry-form input,
.enquiry-form select,
.enquiry-form textarea {
  min-height: 44px;
  border: 1px solid var(--line-strong);
  background: #fff;
  border-radius: 8px;
  padding: 10px 12px;
}

.enquiry-form textarea {
  height: 100px;
  min-height: 100px;
  max-height: 100px;
  resize: none;
}

.enquiry-form input:focus,
.enquiry-form select:focus,
.enquiry-form textarea:focus,
.btn:focus-visible,
.site-nav a:focus-visible,
.nav-drop:focus-visible,
.dropdown a:focus-visible,
summary:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.enquiry-form input.is-invalid,
.enquiry-form select.is-invalid,
.enquiry-form textarea.is-invalid {
  border-color: #b42318;
  background: #fff6f6;
}

.form-honey-wrap {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.form-error { color: #8d2d2d; font-size: 14px; margin: 0 0 8px; }
.form-status { min-height: 1.4em; font-size: 14px; margin-top: 8px; color: var(--navy); }
.form-actions { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }

.loan-jump {
  background: #fff;
  border-top: 1px solid var(--line);
  padding: 0;
}

.jump-row {
  display: flex;
  gap: 8px;
  overflow-x: auto;
  padding: 12px 0;
  scrollbar-width: none;
}

.jump-row::-webkit-scrollbar { display: none; }

.jump-row a {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 14px 6px 6px;
  font-size: 14px;
  font-weight: 600;
  background: var(--white);
}

.jump-row img {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  object-fit: cover;
  background: #f3f5fb;
}

.jump-row a { transition: transform 0.2s ease, border-color 0.2s ease, background 0.2s ease; }
.jump-row a:hover { border-color: var(--gold); background: var(--gold-soft); transform: translateY(-2px); }

.section { padding: 88px 0; }
.section-paper { background: #fff; }

.section-ink {
  background:
    radial-gradient(700px 280px at 0% 0%, rgba(76, 89, 242, 0.28), transparent 52%),
    linear-gradient(180deg, #0b1020, #10162b);
  color: var(--white);
}

.section-ink .section-head p,
.section-ink .steps p { color: rgba(255, 252, 247, 0.74); }

.section-head { margin-bottom: 36px; }
.section-head h2,
.about-grid h2 { font-size: clamp(34px, 4vw, 48px); margin-bottom: 14px; }
.section-head p { font-size: 18px; }

#loans, #process, #about, #apply, #enquiry, .loan-card {
  scroll-margin-top: 148px;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.loan-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 20px;
  display: grid;
  grid-template-columns: 60px 1fr;
  column-gap: 14px;
  row-gap: 8px;
  align-content: start;
  min-height: 100%;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.loan-card:hover {
  border-color: #c9cffc;
  box-shadow: var(--shadow);
}

.loan-visual {
  grid-row: 1;
  align-self: center;
  width: 60px;
  height: 60px;
  border-radius: 10px;
  overflow: hidden;
  background: #f3f5fb;
  border: 1px solid var(--line);
}

.loan-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.loan-card h3,
.loan-card > p,
.loan-card .card-actions {
  margin: 0;
}

.loan-card > p,
.loan-card .card-actions { grid-column: 1 / -1; }
.loan-card > p{font-size:15px;min-height: 100px;}

.icon {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: var(--gold-soft);
  color: var(--gold-deep);
}

.icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.loan-card h3 { font-size: 18px; color: var(--navy); align-self: center; }
.loan-card h3 a { text-decoration: none; }
.loan-card h3 a:hover { color: var(--gold); }

.text-link {
  color: var(--gold-deep);
  font-weight: 650;
  text-underline-offset: 3px;
}
.loan-more { display: none; }
.card-actions { display: flex; gap: 8px; margin-top: auto; padding-top: 8px; }
.card-actions .btn { flex: 1; min-height: 42px; }

.table-wrap {
  margin-top: 36px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 22px;
  overflow-x: auto;
}

.table-wrap h3 {
  font-size: 28px;
  margin-bottom: 14px;
  color: var(--navy);
}

table { width: 100%; border-collapse: collapse; }
th, td { text-align: left; padding: 12px 10px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-deep); font-weight: 640; }
td:first-child { font-weight: 520; color: var(--navy); }

.steps {
  list-style: none;
  padding: 0;
  margin: 8px 0 0;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  position: relative;
}

.steps::before {
  content: "";
  position: absolute;
  top: 34px;
  left: 6%;
  right: 6%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(184, 192, 255, 0.7), transparent);
}

.steps li {
  margin: 0;
  padding: 20px 18px 22px;
  border: 1px solid rgba(184, 192, 255, 0.24);
  border-radius: 12px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.07), rgba(255, 255, 255, 0.03));
  position: relative;
  transition: transform 0.25s ease, border-color 0.2s ease, background 0.2s ease;
}

.steps li:hover {
  transform: translateY(-4px);
  border-color: rgba(184, 192, 255, 0.7);
  background: rgba(255, 255, 255, 0.08);
}

.steps span {
  display: inline-grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: #4c59f2;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.steps h3, .why-grid h3, .strengths h3 { margin: 8px 0; font-size: 20px; }

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.strengths {
  display: grid;
  gap: 14px;
  padding: 0;
  margin: 0;
}

.why-grid article, .strengths li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 22px;
  list-style: none;
}

.why-grid span {
  font-family: var(--sans);
  color: var(--gold);
  font-size: 22px;
  font-weight: 650;
}

#about {
  background-color: #f7f8fb;
  background-image:
    linear-gradient(90deg, #f7f8fb 0%, #f7f8fb 42%, rgba(247, 248, 251, 0.92) 52%, rgba(247, 248, 251, 0.45) 68%, rgba(247, 248, 251, 0.08) 100%),
    url("../images/about-bg.png");
  background-repeat: no-repeat;
  background-position: right bottom;
  background-size: auto, 100% auto;
}

#enquiry {
  background-color: #fff;
  background-image:
    linear-gradient(270deg, #fff 0%, #fff 42%, rgba(255, 255, 255, 0.92) 52%, rgba(255, 255, 255, 0.45) 68%, rgba(255, 255, 255, 0.08) 100%),
    var(--enquiry-photo, url("../images/enquiry-home.png"));
  background-repeat: no-repeat;
  background-position: left bottom;
  background-size: auto, 100% auto;
}

.enquiry-band {
  background-color: #fff;
  background-image:
    linear-gradient(270deg, #fff 0%, #fff 42%, rgba(255, 255, 255, 0.92) 52%, rgba(255, 255, 255, 0.45) 68%, rgba(255, 255, 255, 0.08) 100%),
    url("../images/enquiry-contact.png");
  background-repeat: no-repeat;
  background-position: left bottom;
  background-size: auto, 100% auto;
}

.about-layout {
  max-width: 640px;
}

.about-copy p + p { margin-top: 14px; }

.strengths li + li { margin-top: 0; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.team-directors, .team-managed { grid-template-columns: 1fr 1fr; }
.team-directors.team-head { grid-template-columns: 1fr 0fr; }

.team-directors .person {
  flex-direction: row;
  align-items: stretch;
}
.team-directors .person img {
  width: 250px;
  height: auto;
  min-height: 240px;
  flex: 0 0 200px;
  object-fit: cover;
  object-position: center 18%;
}
.team-directors .person img.person-photo {
  object-position: 32% 18%;
}

#board {
  background:
    radial-gradient(680px 380px at 8% 0%, rgba(76, 89, 242, 0.18), transparent 62%),
    radial-gradient(560px 360px at 96% 100%, rgba(184, 192, 255, 0.55), transparent 64%),
    linear-gradient(165deg, #eef1ff 0%, #f7f8fb 46%, #f3f5ff 100%);
}

.person-lead {
  flex-direction: row;
  align-items: stretch;
}
.person-lead img {
  width: 240px;
  flex: 0 0 240px;
  height: auto;
  min-height: 320px;
  object-fit: cover;
  object-position: center 12%;
}
.person-lead p + p { margin-top: 12px; }

.person, .office {
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 20px;
  background: var(--white);
}

.person {
  display: flex;
  flex-direction: column;
  gap: 0;
  padding: 0;
  overflow: hidden;
  border-radius: 12px;
}
.person img {
  width: 100%;
  height: 280px;
  object-fit: contain;
  object-position: center bottom;
  background: #12182b;
  transition: transform 0.45s ease;
}
.person > div { padding: 16px 18px 20px; }
.person p + p { margin-top: 10px; }
.person h3 { font-size: 20px; color: var(--navy); }

.firm-point img {
  width: 48px;
  height: 48px;
  margin-bottom: 14px;
}
.firm-point h3 { margin-bottom: 8px; }

.avatar {
  flex: 0 0 52px;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--navy);
  color: var(--lilac);
  font-weight: 650;
  letter-spacing: 0.04em;
}

.role {
  color: var(--gold-deep);
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 640;
  margin: 4px 0 8px;
}

.subhead {
  font-size: 32px;
  margin: 42px 0 16px;
  color: var(--navy);
}

.faq-wrap { max-width: 800px; }

.faq details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 14px 18px;
  margin-bottom: 10px;
}

.faq summary {
  cursor: pointer;
  font-weight: 520;
  color: var(--navy);
}

.faq details p { margin-top: 8px; }

.contact-section { background: #fff; }

.contact-head {
  display: flex;
  justify-content: space-between;
  gap: 32px;
  align-items: end;
  max-width: none;
}

.contact-head p:last-child { max-width: 42ch; margin: 0; }

.reach-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 22px;
  background: var(--paper);
}

.reach-row a {
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-decoration: none;
  padding: 16px 18px;
}

.reach-row a + a { border-left: 1px solid var(--line); }
.reach-row span {
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 650;
}
.reach-row strong { font-size: 16px; font-weight: 650; color: var(--navy); }
.reach-row a:hover { background: #fff; }

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 22px;
  align-items: start;
}

.office-panel {
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--paper);
  overflow: hidden;
}

.office-panel > h3 {
  margin: 0;
  padding: 16px 18px 12px;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.office {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
  padding: 16px 18px;
  background: transparent;
}

.office h3 { font-size: 18px; color: var(--navy); margin: 0 0 4px; }
.office p { margin: 0; }
.office a {
  flex: 0 0 auto;
  color: var(--gold-deep);
  font-weight: 650;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 12px;
}

.form-grid .span-2 { grid-column: 1 / -1; }

.contact-layout .card { box-shadow: none; }

.site-footer {
  background: linear-gradient(180deg, #0b1020, #10162b);
  color: #c5cbdc;
  padding: 56px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr 1fr 1fr 1.2fr;
  gap: 32px;
}

.footer-direct {
  margin-top: 18px;
  display: grid;
  gap: 8px;
}
.footer-direct a[href^="tel:"] {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  margin: 0;
  margin-bottom: 10px;
  padding: 10px 14px;
  border-radius: 10px;
  background: linear-gradient(100deg, #4c59f2, #5d68f4);
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.2;
}
.footer-direct a[href^="tel:"] span {
  font-size: 11px;
  font-weight: 650;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #dfe3ff;
}
.footer-direct a[href^="tel:"]:hover { background: #3643d4; color: #fff; }
.footer-direct a[href^="mailto:"] {
  margin: 4px 0 0;
  color: #c5cbdc;
  font-size: 14px;
}

.site-footer p strong {
  display: block;
  color: #fff;
  font-weight: 650;
  margin-bottom: 2px;
}

.site-menu {
  background: #fff;
  border-top: 1px solid var(--line);
  padding: 40px 0 28px;
}

.menu-grid {
  display: grid;
  grid-template-columns: repeat(9, 1fr);
  gap: 12px;
}

.menu-grid a {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  text-align: center;
  text-decoration: none;
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  padding: 10px 8px;
  border-radius: 10px;
  border: 1px solid var(--line);
  background: var(--paper);
}

.menu-grid a:hover {
  background: var(--gold-soft);
  border-color: #c9cffc;
}

.menu-grid img {
  width: 56px;
  height: 56px;
  object-fit: cover;
  border-radius: 8px;
  background: #fff;
}

.menu-pages {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}

.menu-pages a {
  text-decoration: none;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 650;
  background: var(--paper);
}

.menu-pages a:hover {
  border-color: var(--gold);
  background: var(--gold-soft);
}

#dialog-visual {
  width: 100%;
  height: 180px;
  object-fit: cover;
  border-radius: 14px;
  background: #f3f5fb;
  margin-bottom: 14px;
}

.site-footer .logo-name { color: var(--white); font-size: 28px; display: block; margin-bottom: 10px; }
.site-footer h2 {
  font-family: var(--sans);
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--lilac);
  margin-bottom: 12px;
  font-weight: 650;
}

.site-footer a, .site-footer p { display: block; text-decoration: none; margin: 0 0 8px; font-size: 15px; }
.site-footer a:hover { color: var(--gold); }

.footer-base {
  border-top: 1px solid rgba(255, 252, 247, 0.12);
  margin-top: 28px;
  padding-top: 16px;
  display: flex;
  justify-content: space-between;
  gap: 18px;
}

.footer-base p { max-width: 62ch; }

.mobile-dock { display: none; }

dialog {
  border: 0;
  padding: 0;
  background: transparent;
  width: min(640px, calc(100% - 28px));
  max-height: calc(100vh - 32px);
}

.dialog-card { max-height: calc(100vh - 32px); overflow: auto; }

dialog::backdrop { background: rgba(16, 32, 51, 0.62); }

.dialog-card {
  background: var(--white);
  border-radius: 22px;
  padding: 28px;
  position: relative;
}

.dialog-card h2 { font-size: 36px; color: var(--navy); margin-bottom: 12px; }
.dialog-card p { margin-bottom: 10px; }
.dialog-close {
  position: absolute;
  top: 16px;
  right: 16px;
  border: 0;
  background: var(--paper);
  border-radius: 999px;
  padding: 8px 12px;
  cursor: pointer;
}

@media (max-width: 980px) {
  .hero-grid,
  .card-grid,
  .steps,
  .about-grid,
  .contact-layout,
  .team-grid,
  .team-directors,
  .team-managed { grid-template-columns: 1fr 1fr; }

  .steps { grid-template-columns: 1fr 1fr; }
  .menu-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps::before { display: none; }
}

@media (max-width: 800px) {
  .utility-places,
  .utility-board,
  .utility a span { display: none; }
  .utility-links { gap: 14px; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }

  .site-nav {
    display: none;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    flex-direction: column;
    align-items: stretch;
    background: var(--white);
    border-top: 1px solid var(--line);
    padding: 8px 16px 24px;
    overflow-y: auto;
    z-index: 60;
    box-shadow: var(--shadow);
  }

  .site-header { position: sticky; }
  .header-bar { position: relative; }
  body.nav-open .site-nav { display: flex; }

  .dropdown {
    position: static;
    width: auto;
    box-shadow: none;
    border: 0;
    padding: 0 0 8px 12px;
    display: none;
  }

  .dropdown::before { display: none; }

  .nav-item.is-open .dropdown { display: block; }
  .nav-item:hover .dropdown,
  .nav-item:focus-within .dropdown { display: none; }
  .nav-item.is-open:hover .dropdown,
  .nav-item.is-open:focus-within .dropdown { display: block; }

  .nav-cta { margin-top: 8px; width: 100%; }
  .hero-grid, .why-grid, .about-grid, .about-layout, .contact-layout, .contact-head, .reach-row, .form-grid { grid-template-columns: 1fr; }
  #about {
    background-image:
      linear-gradient(180deg, rgba(247, 248, 251, 0.94) 0%, rgba(247, 248, 251, 0.82) 100%),
      url("../images/about-bg.png");
    background-size: auto, cover;
  }
  #enquiry {
    background-image:
      linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(255, 255, 255, 0.82) 100%),
      var(--enquiry-photo, url("../images/enquiry-home.png"));
    background-position: left bottom;
    background-size: auto, cover;
  }
  .enquiry-band {
    background-image:
      linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(255, 255, 255, 0.82) 100%),
      url("../images/enquiry-contact.png");
    background-position: left bottom;
    background-size: auto, cover;
  }
  .reach-row a + a { border-left: 0; border-top: 1px solid var(--line); }
  .form-grid .span-2 { grid-column: auto; }
  .hero { padding: 40px 0 96px; }
  .hero h1 { max-width: none; }
  .card { box-shadow: var(--shadow); }
}

@media (max-width: 680px) {
  .hero { padding: 28px 0 36px; }
  .hero-copy {
    min-height: calc(100vh - 288px);
    min-height: calc(100svh - 288px);
    display: flex;
    flex-direction: column;
    justify-content: center;
  }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
  .hero { padding-bottom: 72px; }
  .stat-band { margin-top: -36px; }
  .stat-band + .section { padding-top: 40px; }
  .stat-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat-row li { padding: 18px 12px 16px; }
  .stat-row li + li { box-shadow: none; }
  .stat-row li:nth-child(even) { box-shadow: inset 1px 0 0 var(--line); }
  .stat-row li:nth-child(n + 3) { box-shadow: inset 0 1px 0 var(--line); }
  .stat-row li:nth-child(4) { box-shadow: inset 1px 1px 0 var(--line); }
  .stat-row strong { font-size: 22px; }
  .stat-row li > span { font-size: 10px; letter-spacing: 0.08em; line-height: 1.3; }
  .section-head a[href^="tel:"] { white-space: nowrap; }
  .team-directors .person { flex-direction: column; }
  .team-directors .person img { width: 100%; flex: none; height: 260px; }

  .card-grid,
  .team-grid,
  .team-directors,
  .team-managed,
  .office-list,
  .steps,
  .footer-grid,
  .why-grid { grid-template-columns: 1fr; }

  .menu-grid { grid-template-columns: repeat(3, 1fr); }

  .section { padding: 64px 0; }
  .feature-grid,
  .feature-grid.cols-2,
  .feature-grid.cols-4,
  .steps,
  .steps.cols-3 { grid-template-columns: 1fr; }
  .footer-base { flex-direction: column; }

  table, thead, tbody, th, td, tr { display: block; }
  thead { display: none; }
  tr { border-bottom: 1px solid var(--line); padding: 10px 0; }
  td { border: 0; padding: 4px 0; }
  td::before {
    content: attr(data-label);
    display: block;
    font-size: 12px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold-deep);
  }

  .mobile-dock {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 45;
    background: var(--navy);
    border-top: 1px solid rgba(228, 201, 138, 0.3);
  }

  .mobile-dock a {
    color: var(--white);
    text-decoration: none;
    text-align: center;
    padding: 14px 8px 16px;
    font-size: 14px;
  }

  .mobile-dock a:last-child { background: var(--gold); color: #fff; font-weight: 650; }
  body { padding-bottom: 68px; }
  body.nav-open { padding-bottom: 0; }
  body.nav-open .mobile-dock { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn:hover,
  .jump-row a:hover,
  .steps li:hover,
  .contact-channels a:hover,
  .loan-card:hover,
  .person:hover,
  .feature:hover,
  .firm-point:hover,
  .check-panel:hover,
  .office-cards .office-card:hover { transform: none; }
  .person:hover img { transform: none; }
  .reveal,
  .reveal.is-in { opacity: 1; transform: none; transition: none; }
}

.page-hero {
  background:
    radial-gradient(720px 420px at 12% 0%, rgba(76, 89, 242, 0.55), transparent 58%),
    radial-gradient(640px 380px at 92% 110%, rgba(54, 67, 212, 0.45), transparent 60%),
    linear-gradient(155deg, #1a2344 0%, #0b1020 42%, #070b16 100%);
  color: #fff;
  padding: 56px 0 64px;
}

.page-hero h1 {
  font-size: clamp(36px, 4.2vw, 52px);
  max-width: 16ch;
  margin-top: 14px;
}

.page-hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 36px;
  align-items: center;
}

.page-hero-art {
  width: min(380px, 100%);
  margin-left: auto;
  border-radius: 20px;
  background: #f4f6fb;
}

.contact-channels {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}

.contact-channels a {
  display: flex;
  gap: 14px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px 18px;
  text-decoration: none;
}

.contact-channels a { transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease; }
.contact-channels a:hover {
  border-color: #c9cffc;
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.contact-channels svg {
  width: 22px;
  height: 22px;
  flex: 0 0 40px;
  padding: 9px;
  box-sizing: content-box;
  border-radius: 10px;
  background: var(--gold-soft);
  color: var(--gold);
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.contact-channels strong { display: block; color: var(--navy); font-size: 15px; }
.contact-channels span { color: var(--muted); font-size: 14px; }

.crumb {
  display: flex;
  gap: 8px;
  align-items: center;
  margin: 0;
  color: #9aa3c7;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.crumb a { color: #c5cdff; text-decoration: none; }
.crumb a:hover { text-decoration: underline; }

.stack-gap { margin-top: 16px; }

.feature-grid,
.office-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.feature-grid.cols-2 { grid-template-columns: 1fr 1fr; }
.feature-grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.feature,
.check-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 20px;
}

.section-paper .feature,
.section-paper .check-panel,
.section-paper .person,
.section-paper .office-card {
  background: var(--paper);
}

.feature-icon {
  width: 72px;
  height: 72px;
  object-fit: cover;
  border-radius: 12px;
  margin-bottom: 14px;
  background: #f3f5fb;
  border: 1px solid var(--line);
}

.feature h3 { font-size: 18px; margin-bottom: 8px; color: var(--navy); }
.feature p, .check-panel li { color: var(--muted); }

.check-panel h3 { font-size: 18px; margin-bottom: 12px; color: var(--navy); }
.check-panel ul { margin: 0; padding-left: 18px; }
.check-panel li + li { margin-top: 8px; }

.steps-lite {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.steps-lite li {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 20px;
}

.steps-lite strong {
  display: block;
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 0.12em;
  margin-bottom: 8px;
}

.steps-lite h3 { font-size: 18px; margin-bottom: 8px; }

.office-cards .office-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 20px;
}

.office-cards h3 { font-size: 18px; margin-bottom: 6px; }
.office-cards p { color: var(--muted); }
.office-pair {
  display: grid;
  gap: 10px;
}

.page-form {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 28px;
  align-items: start;
}

.steps.cols-3 { grid-template-columns: repeat(3, 1fr); }

@media (max-width: 980px) {
  .feature-grid,
  .office-cards,
  .steps-lite,
  .page-form,
  .page-hero-grid,
  .contact-channels { grid-template-columns: 1fr; }
  .page-hero-art { margin: 8px 0 0; }
  .feature-grid.cols-2 { grid-template-columns: 1fr; }
  .feature-grid.cols-4 { grid-template-columns: 1fr 1fr; }
  .steps.cols-3 { grid-template-columns: 1fr; }
  .page-hero .hero-copy { min-height: 0; display: block; }
}

.feature:has(.feature-icon),
.check-panel:has(.feature-icon) {
  display: grid;
  grid-template-columns: 72px 1fr;
  column-gap: 14px;
  row-gap: 10px;
  align-items: center;
}

.feature:has(.feature-icon) .feature-icon,
.check-panel:has(.feature-icon) .feature-icon {
  grid-row: 1;
  margin: 0;
}

.feature:has(.feature-icon) h3,
.check-panel:has(.feature-icon) h3 { margin: 0; }

.feature:has(.feature-icon) p,
.check-panel:has(.feature-icon) ul { grid-column: 1 / -1; margin: 0; }

.feature,
.check-panel,
.office-cards .office-card,
.person,
.loan-card,
.firm-point {
  transition: transform 0.25s ease, border-color 0.2s ease, box-shadow 0.25s ease;
}

.feature:hover,
.check-panel:hover,
.office-cards .office-card:hover,
.person:hover,
.loan-card:hover,
.firm-point:hover {
  transform: translateY(-4px);
  border-color: #c9cffc;
  box-shadow: 0 16px 36px rgba(11, 16, 32, 0.12);
}

.person:hover img { transform: scale(1.05); }

.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

.reveal.is-in {
  opacity: 1;
  transform: none;
}

.card-grid .reveal:nth-child(2),
.feature-grid .reveal:nth-child(2),
.team-grid .reveal:nth-child(2),
.steps .reveal:nth-child(2),
.office-cards .reveal:nth-child(2),
.contact-channels .reveal:nth-child(2),
.stat-row .reveal {
  transition-duration: 0.7s;
}
.stat-row .reveal:nth-child(2) { transition-delay: 0.08s; }

.card-grid .reveal:nth-child(3),
.feature-grid .reveal:nth-child(3),
.team-grid .reveal:nth-child(3),
.steps .reveal:nth-child(3),
.office-cards .reveal:nth-child(3),
.contact-channels .reveal:nth-child(3),
.stat-row .reveal:nth-child(3) { transition-delay: 0.12s; }

.card-grid .reveal:nth-child(4),
.feature-grid .reveal:nth-child(4),
.steps .reveal:nth-child(4),
.stat-row .reveal:nth-child(4) { transition-delay: 0.18s; }

.steps .reveal:nth-child(5) { transition-delay: 0.24s; }

.reveal.is-in.person:hover,
.reveal.is-in.loan-card:hover,
.reveal.is-in.feature:hover,
.reveal.is-in.firm-point:hover,
.reveal.is-in.check-panel:hover,
.reveal.is-in.office-card:hover,
.steps .reveal.is-in:hover,
.contact-channels .reveal.is-in:hover {
  transform: translateY(-4px);
}

@media (max-width: 680px) {
  .feature-grid,
  .feature-grid.cols-2,
  .feature-grid.cols-4,
  .card-grid,
  .team-grid,
  .steps,
  .steps.cols-3 { grid-template-columns: 1fr; }
}

@media (max-width: 800px) {
  .team-directors .person,
  .person-lead { flex-direction: column; }
  .team-directors .person img,
  .person-lead img {
    width: 100%;
    flex: none;
    height: 260px;
    min-height: 0;
  }
}

#cibil,
#partners {
  scroll-margin-top: 148px;
}

.cibil-card {
  display: grid;
  grid-template-columns: 180px 1fr 200px;
  gap: 28px;
  align-items: center;
  background:
    radial-gradient(420px 220px at 0% 100%, rgba(76, 89, 242, 0.12), transparent 60%),
    linear-gradient(180deg, #ffffff, #f4f6ff);
  border: 1px solid #d9def8;
  border-radius: 24px;
  padding: 28px 32px;
  box-shadow: var(--shadow);
}

.cibil-copy h2 { font-size: clamp(32px, 4vw, 44px); margin: 8px 0 12px; }
.cibil-copy p { color: var(--muted); max-width: 46ch; margin-bottom: 18px; }
.cibil-copy .btn { min-width: 220px; }

.cibil-gauge,
.cibil-phone {
  justify-self: center;
}

.cibil-gauge {
  width: 168px;
  height: 168px;
  border-radius: 50%;
  background:
    conic-gradient(from 210deg, #ef6a4a 0 70deg, #f0b429 70deg 140deg, #1f9d55 140deg 220deg, #e8ebf5 220deg 360deg);
  display: grid;
  place-items: center;
  box-shadow: inset 0 0 0 14px #fff;
}

.cibil-gauge-face {
  width: 112px;
  height: 112px;
  border-radius: 50%;
  background: #fff;
  display: grid;
  place-items: center;
  text-align: center;
  box-shadow: 0 8px 20px rgba(11, 16, 32, 0.06);
}

.cibil-gauge-face strong {
  display: block;
  font-size: 28px;
  letter-spacing: -0.04em;
  color: var(--navy);
  line-height: 1;
}

.cibil-gauge-face span {
  font-size: 12px;
  font-weight: 650;
  color: #1f9d55;
}

.cibil-phone {
  width: 168px;
  background: #10162b;
  color: #fff;
  border-radius: 28px;
  padding: 18px 16px 20px;
  text-align: center;
  box-shadow: 0 16px 32px rgba(11, 16, 32, 0.18);
}

.cibil-phone p { margin: 0; }
.cibil-phone-label {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #b8c0ff;
}
.cibil-phone-score {
  font-size: 42px;
  font-weight: 700;
  letter-spacing: -0.05em;
  line-height: 1.1;
  margin: 6px 0 2px;
}
.cibil-phone-band {
  display: inline-block;
  margin-top: 6px;
  background: #1f9d55;
  color: #fff;
  border-radius: 999px;
  padding: 2px 10px;
  font-size: 12px;
  font-weight: 650;
}

.cibil-note {
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.partners { padding-bottom: 72px; }
.partners .section-head { text-align: center; margin-inline: auto; }
.partners .section-head p { margin-inline: auto; }

.partner-viewport {
  overflow: hidden;
  margin-top: 8px;
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}

.partner-track {
  display: flex;
  gap: 14px;
  width: max-content;
  animation: partner-marquee 140s linear infinite;
}

.partner-viewport:hover .partner-track { animation-play-state: paused; }

.partner-logo {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 188px;
  height: 78px;
  padding: 12px 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
}

.partner-logo img {
  max-width: 100%;
  max-height: 52px;
  width: auto;
  height: auto;
  object-fit: contain;
}

@keyframes partner-marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

@media (prefers-reduced-motion: reduce) {
  .partner-track { animation: none; flex-wrap: wrap; width: auto; justify-content: center; }
  .partner-logo[aria-hidden="true"] { display: none; }
  .partner-viewport { overflow: visible; mask-image: none; }
  .partner-viewport { width: min(1120px, calc(100% - 32px)); margin: 8px auto 0; }
}

@media (max-width: 860px) {
  .cibil-card { grid-template-columns: 1fr; justify-items: start; }
  .cibil-gauge,
  .cibil-phone { justify-self: start; }
}