/* =========================================================
   ClickCapital — Design System
   Brand: #004346 teal · #ff3775 pink · #39C094 green
   Type:  Plus Jakarta Sans (display) · Inter (body)
   ========================================================= */

:root{
  /* Brand */
  --teal-900:#002b2d;
  --teal-800:#003a3c;
  --teal:#004346;
  --teal-600:#0a5a5d;
  --green:#39c094;
  --green-2:#38bf94;
  --mint:#a4efd7;
  --mint-100:#e8fff8;
  --pink:#ff3775;
  --pink-600:#e51f5f;
  --white:#ffffff;

  /* Neutrals */
  --ink:#0c1f20;
  --body:#3f5658;
  --muted:#6b8284;
  --line:#e4ece9;
  --cloud:#f3f8f6;
  --cloud-2:#eef5f2;

  /* Effects */
  --radius:22px;
  --radius-lg:30px;
  --radius-sm:14px;
  --shadow-sm:0 4px 16px rgba(0,67,70,.06);
  --shadow:0 18px 50px -18px rgba(0,67,70,.22);
  --shadow-lg:0 40px 90px -30px rgba(0,67,70,.35);
  --shadow-pink:0 18px 40px -12px rgba(255,55,117,.45);
  --shadow-green:0 18px 40px -12px rgba(57,192,148,.45);
  --grad-green:linear-gradient(135deg,#39c094 0%,#1f9e9c 100%);
  --grad-teal:linear-gradient(150deg,#004346 0%,#012c2e 100%);
  --grad-hero:radial-gradient(120% 120% at 80% 0%,#0a5a5d 0%,#004346 45%,#002b2d 100%);
  --grad-pink:linear-gradient(135deg,#ff5c8d 0%,#ff3775 100%);
  --ring:0 0 0 4px rgba(57,192,148,.25);

  --container:1200px;
  --ease:cubic-bezier(.22,1,.36,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:var(--body);
  background:var(--white);
  line-height:1.65;
  font-size:17px;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
ul{list-style:none}
h1,h2,h3,h4,h5{font-family:'Plus Jakarta Sans',sans-serif;color:var(--ink);line-height:1.1;font-weight:800;letter-spacing:-.02em}
section{position:relative}

/* ---------- Layout ---------- */
.container{width:min(100% - 44px,var(--container));margin-inline:auto}
.section{padding:clamp(64px,9vw,120px) 0}
.section--tight{padding:clamp(48px,6vw,80px) 0}
.center{text-align:center}
.lead{font-size:clamp(1.05rem,1.4vw,1.22rem);color:var(--body);max-width:62ch}
.center .lead{margin-inline:auto}

/* ---------- Typography helpers ---------- */
.display{font-size:clamp(2.6rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.03em}
.h-xl{font-size:clamp(2.1rem,4.4vw,3.4rem)}
.h-lg{font-size:clamp(1.8rem,3.2vw,2.6rem)}
.h-md{font-size:clamp(1.3rem,2vw,1.6rem)}
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;
  font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--teal);background:var(--mint-100);
  padding:8px 16px;border-radius:100px;border:1px solid rgba(57,192,148,.25);
}
.eyebrow--light{color:var(--mint);background:rgba(164,239,215,.12);border-color:rgba(164,239,215,.25)}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(57,192,148,.25)}
.text-grad{background:linear-gradient(100deg,var(--green) 0%,#13a39c 60%,var(--teal) 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.text-pink{color:var(--pink)}

/* ---------- Buttons ---------- */
.btn{
  --bg:var(--green);--fg:#fff;
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:1rem;
  color:var(--fg);background:var(--bg);
  padding:15px 28px;border-radius:100px;
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),background .3s;
  position:relative;white-space:nowrap;
}
.btn svg{width:19px;height:19px;transition:transform .35s var(--ease)}
.btn:hover{transform:translateY(-3px)}
.btn:hover svg{transform:translateX(4px)}
.btn--green{background:var(--grad-green);box-shadow:var(--shadow-green)}
.btn--pink{background:var(--grad-pink);box-shadow:var(--shadow-pink)}
.btn--teal{background:var(--teal);box-shadow:var(--shadow)}
.btn--ghost{background:transparent;color:var(--teal);border:1.5px solid var(--line)}
.btn--ghost:hover{border-color:var(--green);color:var(--green);background:var(--mint-100)}
.btn--light{background:#fff;color:var(--teal);box-shadow:var(--shadow-sm)}
.btn--lg{padding:18px 34px;font-size:1.05rem}
.btn--block{width:100%}

/* ---------- Header / Nav ---------- */
.header{position:fixed;inset:0 0 auto 0;z-index:100;transition:.4s var(--ease);padding:18px 0}
.header.scrolled{padding:10px 0;background:rgba(255,255,255,.82);backdrop-filter:blur(18px);box-shadow:0 10px 40px -22px rgba(0,67,70,.4)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px}
.nav__logo img{height:38px;width:auto}
.nav__logo .logo-light{display:block}
.nav__logo .logo-dark{display:none}
.header.scrolled .nav__logo .logo-light{display:none}
.header.scrolled .nav__logo .logo-dark{display:block}
.nav__menu{display:flex;align-items:center;gap:6px}
.nav__link{
  display:flex;align-items:center;gap:6px;
  font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;font-size:.96rem;
  color:rgba(255,255,255,.92);padding:10px 14px;border-radius:100px;transition:.25s;position:relative;
}
.header.scrolled .nav__link{color:var(--teal)}
.nav__link:hover{background:rgba(255,255,255,.14)}
.header.scrolled .nav__link:hover{background:var(--mint-100);color:var(--green)}
.nav__link svg{width:14px;height:14px;opacity:.7}
.nav__cta{display:flex;align-items:center;gap:10px}
.has-drop{position:relative}
.drop{
  position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(10px);
  background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);border:1px solid var(--line);
  padding:12px;min-width:280px;opacity:0;visibility:hidden;transition:.3s var(--ease);
}
.has-drop:hover .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop--wide{min-width:540px;display:grid;grid-template-columns:1fr 1fr;gap:4px}
.drop a{display:flex;align-items:center;gap:12px;padding:11px 13px;border-radius:13px;color:var(--ink);font-weight:600;font-size:.92rem;transition:.2s;font-family:'Plus Jakarta Sans',sans-serif}
.drop a:hover{background:var(--mint-100);color:var(--green)}
.drop a .ic{width:38px;height:38px;flex:none;border-radius:11px;display:grid;place-items:center;background:var(--cloud);color:var(--teal)}
.drop a:hover .ic{background:#fff;color:var(--green)}
.drop a .ic svg{width:20px;height:20px}
.nav__toggle{display:none;width:46px;height:46px;border-radius:13px;background:rgba(255,255,255,.15);color:#fff}
.header.scrolled .nav__toggle{background:var(--cloud);color:var(--teal)}
.nav__toggle svg{width:24px;height:24px;margin:auto}

/* mobile drawer */
.drawer{position:fixed;inset:0;z-index:200;visibility:hidden;pointer-events:none}
.drawer__bg{position:absolute;inset:0;background:rgba(0,43,45,.5);opacity:0;transition:.35s}
.drawer__panel{position:absolute;top:0;right:0;height:100%;width:min(86%,380px);background:#fff;transform:translateX(100%);transition:.4s var(--ease);padding:26px 24px;overflow-y:auto;display:flex;flex-direction:column;gap:6px}
.drawer.open{visibility:visible;pointer-events:auto}
.drawer.open .drawer__bg{opacity:1}
.drawer.open .drawer__panel{transform:none}
.drawer__head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.drawer__head img{height:34px}
.drawer__close{width:44px;height:44px;border-radius:12px;background:var(--cloud);color:var(--teal);display:grid;place-items:center}
.drawer a{font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;color:var(--ink);padding:13px 14px;border-radius:13px;transition:.2s;display:flex;align-items:center;gap:11px}
.drawer a:hover{background:var(--mint-100);color:var(--green)}
.drawer .sub{font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);padding:14px 14px 6px;font-weight:700}
.drawer .drawer__btns{margin-top:14px;display:flex;flex-direction:column;gap:10px}

/* ---------- Hero ---------- */
.hero{background:var(--grad-hero);color:#fff;padding:160px 0 90px;overflow:hidden;position:relative}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.05) 1px,transparent 0);background-size:34px 34px;opacity:.6}
.hero__blob{position:absolute;border-radius:50%;filter:blur(80px);opacity:.5;z-index:0}
.hero__grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
.hero h1{color:#fff;margin:18px 0 22px}
.hero .lead{color:rgba(233,246,242,.85);font-size:clamp(1.08rem,1.5vw,1.28rem)}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px;margin:32px 0 26px}
.hero__trust{display:flex;align-items:center;gap:18px;flex-wrap:wrap;color:rgba(233,246,242,.8);font-size:.92rem}
.hero__stars{display:flex;align-items:center;gap:8px}
.hero__stars .s{color:#ffc83d}
.avatars{display:flex}
.avatars span{width:38px;height:38px;border-radius:50%;border:2px solid var(--teal);margin-left:-12px;background:var(--grad-green);display:grid;place-items:center;color:#fff;font-weight:700;font-size:.8rem;font-family:'Plus Jakarta Sans'}
.avatars span:first-child{margin-left:0}

/* hero card / quote widget */
.hero__panel{position:relative;z-index:2}
.quote-card{background:rgba(255,255,255,.97);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-lg);position:relative}
.quote-card h3{font-size:1.18rem;margin-bottom:4px}
.quote-card p.sub{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.loan-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:18px}
.loan-opt{border:1.5px solid var(--line);border-radius:15px;padding:14px 8px;text-align:center;transition:.25s;cursor:pointer;background:#fff}
.loan-opt:hover,.loan-opt.active{border-color:var(--green);background:var(--mint-100);transform:translateY(-2px)}
.loan-opt .ic{width:40px;height:40px;margin:0 auto 8px;border-radius:12px;background:var(--cloud);display:grid;place-items:center;color:var(--teal)}
.loan-opt:hover .ic,.loan-opt.active .ic{background:var(--grad-green);color:#fff}
.loan-opt .ic svg{width:22px;height:22px}
.loan-opt span{font-size:.74rem;font-weight:700;color:var(--ink);font-family:'Plus Jakarta Sans';line-height:1.2;display:block}
.range-row{margin-bottom:16px}
.range-row label{display:flex;justify-content:space-between;font-weight:600;font-size:.9rem;color:var(--ink);margin-bottom:10px}
.range-row .amt{font-family:'Plus Jakarta Sans';font-weight:800;color:var(--green);font-size:1.15rem}
input[type=range]{-webkit-appearance:none;width:100%;height:8px;border-radius:100px;background:var(--cloud-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:5px solid var(--green);box-shadow:var(--shadow-sm);cursor:pointer;transition:.2s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:5px solid var(--green);cursor:pointer}
.floaty{position:absolute;background:#fff;border-radius:16px;box-shadow:var(--shadow);padding:12px 16px;display:flex;align-items:center;gap:11px;font-family:'Plus Jakarta Sans';font-weight:700;color:var(--ink);font-size:.9rem;z-index:3}
.floaty .badge{width:38px;height:38px;border-radius:11px;display:grid;place-items:center;color:#fff}
.floaty small{display:block;font-weight:500;color:var(--muted);font-size:.74rem}
.floaty--a{top:-22px;right:-14px;animation:bob 5s var(--ease) infinite}
.floaty--b{bottom:-24px;left:-22px;animation:bob 6s var(--ease) infinite .5s}
@keyframes bob{50%{transform:translateY(-12px)}}

/* ---------- Marquee (lenders) ---------- */
.marquee{overflow:hidden}
.marquee__track{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:30px 54px;width:100%;animation:none}
.marquee:hover .marquee__track{animation-play-state:paused}
.marquee__track img{height:30px;width:auto;filter:grayscale(1);opacity:.55;transition:.3s}
.marquee__track img:hover{filter:none;opacity:1}
@keyframes scroll{to{transform:translateX(calc(-50% - 28px))}}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.feature{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.4s var(--ease);position:relative;overflow:hidden}
.feature:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.feature .ic{width:58px;height:58px;border-radius:16px;display:grid;place-items:center;background:var(--mint-100);color:var(--teal);margin-bottom:18px;transition:.4s var(--ease)}
.feature:hover .ic{background:var(--grad-green);color:#fff;transform:rotate(-6deg)}
.feature .ic svg{width:28px;height:28px}
.feature h3{font-size:1.2rem;margin-bottom:8px}
.feature p{font-size:.96rem}

/* product card */
.product{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.4s var(--ease);position:relative;overflow:hidden;display:flex;flex-direction:column}
.product::after{content:"";position:absolute;inset:auto -40% -60% auto;width:200px;height:200px;border-radius:50%;background:var(--mint-100);transition:.5s var(--ease);z-index:0}
.product:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.product:hover::after{transform:scale(1.6)}
.product>*{position:relative;z-index:1}
.product .ic{width:60px;height:60px;border-radius:17px;display:grid;place-items:center;background:var(--grad-green);color:#fff;margin-bottom:18px;box-shadow:var(--shadow-green)}
.product .ic svg{width:30px;height:30px}
.product h3{font-size:1.22rem;margin-bottom:8px}
.product p{font-size:.95rem;flex:1}
.product .more{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:'Plus Jakarta Sans';font-weight:700;color:var(--green);font-size:.95rem}
.product .more svg{width:17px;height:17px;transition:.3s}
.product:hover .more svg{transform:translateX(5px)}

/* ---------- Steps ---------- */
.step{position:relative;background:#fff;border-radius:var(--radius);padding:32px 28px;border:1px solid var(--line);text-align:center;transition:.4s var(--ease)}
.step:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.step__num{position:absolute;top:-22px;left:50%;transform:translateX(-50%);width:48px;height:48px;border-radius:14px;background:var(--grad-pink);color:#fff;display:grid;place-items:center;font-family:'Plus Jakarta Sans';font-weight:800;font-size:1.2rem;box-shadow:var(--shadow-pink)}
.step img{height:120px;width:auto;margin:14px auto 18px;object-fit:contain}
.step h3{font-size:1.18rem;margin-bottom:8px}

/* ---------- Stats ---------- */
.stats{background:var(--grad-teal);border-radius:var(--radius-lg);padding:clamp(38px,5vw,64px);color:#fff;position:relative;overflow:hidden}
.stats::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.06) 1px,transparent 0);background-size:30px 30px}
.stats__grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}
.stat .n{font-family:'Plus Jakarta Sans';font-weight:800;font-size:clamp(2.4rem,5vw,3.6rem);line-height:1;color:#fff;letter-spacing:-.03em}
.stat .n .text-grad{background:linear-gradient(100deg,var(--mint),var(--green));-webkit-background-clip:text;background-clip:text;color:transparent}
.stat p{color:rgba(233,246,242,.8);margin-top:8px;font-weight:600}

/* ---------- Calculator ---------- */
.calc{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--line);padding:clamp(26px,4vw,44px);display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.calc__controls .range-row{margin-bottom:26px}
.calc__result{background:var(--grad-teal);border-radius:var(--radius);padding:34px;color:#fff;text-align:center;position:relative;overflow:hidden}
.calc__result .label{color:rgba(233,246,242,.75);font-weight:600;font-size:.9rem;text-transform:uppercase;letter-spacing:.1em}
.calc__result .big{font-family:'Plus Jakarta Sans';font-weight:800;font-size:clamp(2.6rem,6vw,3.6rem);margin:6px 0 4px;letter-spacing:-.03em}
.calc__result .big .text-grad{background:linear-gradient(100deg,var(--mint),#fff);-webkit-background-clip:text;background-clip:text;color:transparent}
.calc__split{display:flex;gap:14px;margin-top:24px}
.calc__split>div{flex:1;background:rgba(255,255,255,.08);border-radius:14px;padding:14px}
.calc__split .v{font-family:'Plus Jakarta Sans';font-weight:800;font-size:1.25rem;color:#fff}
.calc__split .k{font-size:.78rem;color:rgba(233,246,242,.7)}

/* ---------- Testimonials ---------- */
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.4s var(--ease);height:100%;display:flex;flex-direction:column}
.tcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.tcard .stars{color:#ffc107;display:flex;gap:3px;margin-bottom:14px}
.tcard .stars svg{width:18px;height:18px}
.tcard blockquote{font-size:1rem;color:var(--ink);font-weight:500;flex:1;line-height:1.6}
.tcard .who{display:flex;align-items:center;gap:13px;margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.tcard .who .ava{width:46px;height:46px;border-radius:50%;background:var(--grad-green);display:grid;place-items:center;color:#fff;font-family:'Plus Jakarta Sans';font-weight:800}
.tcard .who b{font-family:'Plus Jakarta Sans';color:var(--ink);display:block;font-size:.98rem}
.tcard .who small{color:var(--muted)}
.featured-quote{background:var(--grad-hero);color:#fff;border-radius:var(--radius-lg);padding:clamp(34px,5vw,56px);position:relative;overflow:hidden}
.featured-quote .mark{font-family:'Plus Jakarta Sans';font-size:7rem;line-height:.6;color:var(--green);opacity:.5;height:46px}
.featured-quote blockquote{font-family:'Plus Jakarta Sans';font-weight:700;font-size:clamp(1.4rem,2.8vw,2rem);line-height:1.3;color:#fff;letter-spacing:-.01em;margin:10px 0 22px}

/* ---------- FAQ ---------- */
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:14px;overflow:hidden;transition:.3s}
.faq__item.open{border-color:var(--green);box-shadow:var(--shadow-sm)}
.faq__q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:22px 24px;text-align:left;font-family:'Plus Jakarta Sans';font-weight:700;font-size:1.05rem;color:var(--ink)}
.faq__q .pm{width:34px;height:34px;flex:none;border-radius:10px;background:var(--mint-100);color:var(--teal);display:grid;place-items:center;transition:.35s var(--ease)}
.faq__item.open .pm{background:var(--grad-green);color:#fff;transform:rotate(135deg)}
.faq__q .pm svg{width:18px;height:18px}
.faq__a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq__a p{padding:0 24px 24px;color:var(--body);font-size:.98rem}

/* ---------- CTA band ---------- */
.cta-band{background:var(--grad-hero);border-radius:var(--radius-lg);padding:clamp(40px,6vw,72px);text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.06) 1px,transparent 0);background-size:30px 30px}
.cta-band>*{position:relative;z-index:1}
.cta-band h2{color:#fff;margin-bottom:16px}
.cta-band .lead{color:rgba(233,246,242,.85);margin-inline:auto;margin-bottom:30px}
.cta-band .glow{position:absolute;width:420px;height:420px;border-radius:50%;background:var(--green);filter:blur(120px);opacity:.4;top:-180px;left:50%;transform:translateX(-50%)}

/* ---------- Footer ---------- */
.footer{background:var(--teal-900);color:rgba(233,246,242,.7);padding:72px 0 30px;position:relative;overflow:hidden}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.footer h4{color:#fff;font-size:1rem;margin-bottom:18px;font-family:'Plus Jakarta Sans'}
.footer a{display:block;padding:6px 0;transition:.2s;font-size:.94rem}
.footer a:hover{color:var(--green);transform:translateX(3px)}
.footer__brand img{height:40px;margin-bottom:18px}
.footer__brand p{font-size:.92rem;max-width:34ch;margin-bottom:18px}
.socials{display:flex;gap:10px}
.socials a{width:42px;height:42px;border-radius:12px;background:rgba(255,255,255,.07);display:grid;place-items:center;color:#fff;transition:.3s}
.socials a:hover{background:var(--grad-green);transform:translateY(-3px)}
.socials a svg{width:19px;height:19px}
.footer__badges{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:34px;padding-top:28px;border-top:1px solid rgba(255,255,255,.1)}
.footer__badges img{height:54px;width:auto;opacity:.95;background:#fff;border-radius:10px;padding:6px}
.footer__bottom{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;margin-top:26px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:.86rem}

/* ---------- Reveal animation ---------- */
[data-reveal]{opacity:0;transform:translateY(32px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
[data-reveal].in{opacity:1;transform:none}
[data-reveal-d="1"]{transition-delay:.1s}
[data-reveal-d="2"]{transition-delay:.2s}
[data-reveal-d="3"]{transition-delay:.3s}
[data-reveal-d="4"]{transition-delay:.4s}

/* ---------- Page hero (interior) ---------- */
.phero{background:var(--grad-hero);color:#fff;padding:150px 0 80px;text-align:center;position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.05) 1px,transparent 0);background-size:34px 34px}
.phero>*{position:relative;z-index:1}
.phero h1{color:#fff;margin:16px 0 16px}
.phero .lead{color:rgba(233,246,242,.85);margin-inline:auto}
.crumbs{display:inline-flex;gap:8px;align-items:center;color:rgba(233,246,242,.6);font-size:.86rem;font-weight:600;margin-top:22px}
.crumbs a:hover{color:var(--mint)}

/* checklist */
.check{display:flex;align-items:flex-start;gap:13px;margin-bottom:15px}
.check .ck{width:26px;height:26px;flex:none;border-radius:8px;background:var(--mint-100);color:var(--green);display:grid;place-items:center;margin-top:2px}
.check .ck svg{width:15px;height:15px}
.check span{font-size:1rem;color:var(--ink);font-weight:500}
.check b{font-weight:700}

/* media object */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(34px,5vw,70px);align-items:center}
.imgwrap{position:relative}
.imgwrap img{border-radius:var(--radius-lg);box-shadow:var(--shadow)}
.imgwrap--soft{background:var(--mint-100);border-radius:var(--radius-lg);padding:30px}
.imgwrap--soft img{box-shadow:none}

/* form */
.form-card{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--line);padding:clamp(26px,4vw,40px)}
.field{margin-bottom:18px}
.field label{display:block;font-family:'Plus Jakarta Sans';font-weight:600;font-size:.9rem;color:var(--ink);margin-bottom:8px}
.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:13px;font-family:inherit;font-size:1rem;color:var(--ink);background:var(--cloud);transition:.25s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--green);background:#fff;box-shadow:var(--ring)}
.field textarea{min-height:130px;resize:vertical}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
.info-row{display:flex;gap:16px;align-items:flex-start;margin-bottom:24px}
.info-row .ic{width:52px;height:52px;flex:none;border-radius:15px;background:var(--grad-green);color:#fff;display:grid;place-items:center;box-shadow:var(--shadow-green)}
.info-row .ic svg{width:24px;height:24px}
.info-row h4{font-size:1.05rem;margin-bottom:3px}
.info-row p{font-size:.96rem}

/* pill list */
.pills{display:flex;flex-wrap:wrap;gap:10px}
.pill{background:#fff;border:1px solid var(--line);border-radius:100px;padding:9px 18px;font-family:'Plus Jakarta Sans';font-weight:600;font-size:.9rem;color:var(--teal);transition:.25s}
.pill:hover{border-color:var(--green);color:var(--green);background:var(--mint-100)}

/* ---------- Responsive ---------- */
@media(max-width:1080px){
  .footer__grid{grid-template-columns:1fr 1fr}
  .drop--wide{min-width:440px}
}
@media(max-width:900px){
  .nav__menu{display:none}
  .nav__cta .btn:not(.nav__toggle){display:none}
  .nav__toggle{display:grid}
  .hero__grid{grid-template-columns:1fr;gap:46px}
  .hero__panel{max-width:460px;margin-inline:auto;width:100%}
  .split,.calc,.contact-grid{grid-template-columns:1fr;gap:32px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:1fr}
  .stats__grid{grid-template-columns:1fr;gap:30px}
  .calc__result{order:-1}
  .featured-quote blockquote{font-size:1.4rem}
}
@media(max-width:560px){
  body{font-size:16px}
  .grid-4,.grid-2{grid-template-columns:1fr}
  .loan-grid{grid-template-columns:1fr 1fr}
  .footer__grid{grid-template-columns:1fr}
  .hero{padding:130px 0 70px}
  .calc__split{flex-direction:column}
  .footer__bottom{flex-direction:column;text-align:center}
}