/* ==========================================================================
   Fast Track Money — theme stylesheet
   Layout & typography modelled on the "Borrow" loan template.
   Palette switched to the FTM brand navy/gold. To restore the template's
   indigo, change --primary / --primary-dark below — nothing else.
   ========================================================================== */

:root {
  --primary: #0b3a8e;
  --primary-dark: #072a69;
  --primary-light: #e8eefb;
  --accent: #f5b301;
  --accent-dark: #d99c00;

  --ink: #10203f;
  --ink-soft: #3d4f6d;
  --body: #6c757d;
  --muted: #8a94a6;

  --line: #e6e9f0;
  --surface: #ffffff;
  --surface-alt: #f6f8fc;
  --surface-deep: #0a1f45;

  --radius: 4px;
  --radius-lg: 8px;
  --shadow-sm: 0 1px 2px rgba(16, 32, 63, .06);
  --shadow: 0 4px 24px rgba(16, 32, 63, .07);
  --shadow-lg: 0 18px 48px rgba(16, 32, 63, .12);

  --container: 1200px;
  --header-h: 76px;
  --footer-inset: 24px;
  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--body);
  background: var(--surface);
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; border: 0; }
a { color: var(--primary); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--primary-dark); }
ul, ol { margin: 0; padding: 0; }
button { font: inherit; cursor: pointer; }

h1, h2, h3, h4, h5, h6 {
  margin: 0 0 .6em;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -.015em;
}
h1 { font-size: clamp(2rem, 1.4rem + 2.4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 1.2rem + 1.6vw, 2.25rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.0625rem; }
p { margin: 0 0 1rem; }
p:last-child { margin-bottom: 0; }

/* ---------- layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 20px; }
.section { padding: 84px 0; }
.section--tight { padding: 56px 0; }
.section--alt { background: var(--surface-alt); }
.section--deep { background: var(--surface-deep); color: #b9c6dd; }
.section--deep h2, .section--deep h3, .section--deep h4 { color: #fff; }

.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.section-head { max-width: 680px; margin: 0 auto 48px; text-align: center; }
.section-head--left { margin-inline: 0; text-align: left; }
.section-head p { font-size: 1.0625rem; }

.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--primary);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.section--deep .eyebrow { color: var(--accent); }
.lead { font-size: 1.0625rem; color: var(--ink-soft); }
.text-center { text-align: center; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 13px 26px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  background: var(--primary);
  color: #fff;
  font-size: .9375rem;
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
  transition: background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease), transform .2s var(--ease);
}
.btn:hover { background: var(--primary-dark); color: #fff; transform: translateY(-1px); }
.btn--accent { background: var(--accent); color: #27221a; }
.btn--accent:hover { background: var(--accent-dark); color: #27221a; }
.btn--outline { background: transparent; border-color: var(--primary); color: var(--primary); }
.btn--outline:hover { background: var(--primary); color: #fff; }
.btn--ghost { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .38); color: #fff; }
.btn--ghost:hover { background: #fff; color: var(--primary); border-color: #fff; }
.btn--sm { padding: 9px 18px; font-size: .875rem; }
.btn--lg { padding: 16px 34px; font-size: 1rem; }
.btn--block { width: 100%; }

.link-more {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: .875rem;
  font-weight: 600;
  color: var(--primary);
}
.link-more svg { transition: transform .2s var(--ease); }
.link-more:hover svg { transform: translateX(3px); }

/* ---------- top bar ---------- */
.topbar {
  background: var(--primary);
  color: rgba(255, 255, 255, .86);
  font-size: .8125rem;
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  min-height: 40px;
  flex-wrap: wrap;
}
.topbar a { color: rgba(255, 255, 255, .86); }
.topbar a:hover { color: #fff; }
.topbar__contact { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.topbar__contact span { display: inline-flex; align-items: center; gap: 7px; }
.topbar__links { display: flex; align-items: center; gap: 22px; font-weight: 500; }
.topbar__links .is-accent { color: var(--accent); font-weight: 600; }

/* ---------- header ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.header.is-stuck { box-shadow: var(--shadow); }
.header__inner {
  display: flex;
  align-items: center;
  gap: 20px;
  min-height: var(--header-h);
}
.brand { flex: none; }
.brand img { height: 42px; width: auto; }

.nav { margin-left: auto; }
.nav__list { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  border-radius: var(--radius);
  color: var(--ink-soft);
  font-size: .9375rem;
  font-weight: 500;
  white-space: nowrap;
}
.nav__link:hover, .nav__item.is-open > .nav__link { color: var(--primary); background: var(--primary-light); }
.nav__item.is-current > .nav__link { color: var(--primary); font-weight: 600; }
.nav__item { position: relative; }
.nav__caret { transition: transform .2s var(--ease); }
.nav__item.is-open .nav__caret { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  z-index: 10;
  min-width: 480px;
  padding: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity .18s var(--ease), transform .18s var(--ease), visibility .18s;
}
.nav__item.is-open .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: block;
  padding: 9px 12px;
  border-radius: var(--radius);
  color: var(--ink-soft);
  font-size: .9063rem;
}
.dropdown a:hover { background: var(--primary-light); color: var(--primary); }
.dropdown a.is-current { color: var(--primary); font-weight: 600; }

.header__cta { flex: none; display: flex; align-items: center; gap: 10px; }
.nav__mobile-cta { display: none; }
.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  margin-left: auto;
  padding: 0;
  background: var(--primary-light);
  border: 0;
  border-radius: var(--radius);
  color: var(--primary);
}
.nav-toggle svg { margin: auto; }

/* ---------- hero slider ---------- */
.hero { position: relative; background: #0a1f45; overflow: hidden; }
.hero__track { position: relative; }
.hero__slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity .7s var(--ease), visibility .7s;
}
.hero__slide.is-active { position: relative; opacity: 1; visibility: visible; }
.hero__slide img { width: 100%; aspect-ratio: 1900 / 600; object-fit: cover; object-position: center; }
.hero__nav {
  position: absolute;
  top: 50%;
  z-index: 3;
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  padding: 0;
  transform: translateY(-50%);
  background: rgba(255, 255, 255, .88);
  border: 0;
  border-radius: 50%;
  color: var(--ink);
  box-shadow: var(--shadow);
  transition: background .2s var(--ease), color .2s var(--ease);
}
.hero__nav:hover { background: var(--primary); color: #fff; }
.hero__nav--prev { left: 20px; }
.hero__nav--next { right: 20px; }
.hero__dots {
  position: absolute;
  left: 50%;
  bottom: 18px;
  z-index: 3;
  display: flex;
  gap: 8px;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(8, 24, 56, .5);
  transform: translateX(-50%);
}
.hero__dot {
  width: 9px;
  height: 9px;
  padding: 0;
  background: rgba(255, 255, 255, .55);
  border: 0;
  border-radius: 50%;
  transition: width .25s var(--ease), background .25s var(--ease);
}
.hero__dot.is-active { width: 26px; border-radius: 5px; background: var(--accent); }

/* ---------- rate strip ---------- */
.rates { position: relative; z-index: 4; padding-top: 40px; }
.rates__card {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.rate {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 26px 24px;
  border-right: 1px solid var(--line);
}
.rate:last-child { border-right: 0; }
.rate__icon {
  display: grid;
  place-items: center;
  flex: none;
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  background: var(--primary-light);
  color: var(--primary);
}
.rate__value { font-size: 1.5rem; font-weight: 700; color: var(--ink); line-height: 1.1; }
.rate__label { font-size: .875rem; color: var(--muted); }

/* ---------- loan offer cards ---------- */
.offer {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 30px 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  transition: box-shadow .25s var(--ease), transform .25s var(--ease), border-color .25s var(--ease);
}
.offer:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: #cfd9ec; }
.offer__icon {
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  margin-bottom: 20px;
  border-radius: var(--radius);
  background: var(--primary-light);
  color: var(--primary);
}
.offer__title { margin-bottom: 4px; font-size: 1.125rem; }
.offer__rate { margin-bottom: 12px; font-size: 1.375rem; font-weight: 700; color: var(--primary); }
.offer__rate small { font-size: .8125rem; font-weight: 500; color: var(--muted); }
.offer__text { font-size: .9375rem; margin-bottom: 20px; }
.offer__foot { margin-top: auto; }

/* ---------- numbered steps ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step {
  padding: 32px 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  text-align: center;
}
.step__num {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
}
.step h3 { font-size: 1.0625rem; }
.step p { font-size: .9375rem; }

/* ---------- feature / why-us ---------- */
.feature { padding: 30px 26px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); }
.feature--plain { background: transparent; border: 0; padding: 0; }
.feature__icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  margin-bottom: 18px;
  border-radius: var(--radius);
  background: var(--primary-light);
  color: var(--primary);
}
.feature h3 { font-size: 1.0625rem; }
.feature p { font-size: .9375rem; margin-bottom: 0; }

/* ---------- stats ---------- */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.stat { text-align: center; }
.stat__value { font-size: 2.25rem; font-weight: 700; color: var(--ink); line-height: 1.1; }
.section--deep .stat__value { color: #fff; }
.stat__label { font-size: .9375rem; color: var(--muted); }
.section--deep .stat__label { color: #9db0cf; }
.stars { display: inline-flex; gap: 3px; color: var(--accent); }

/* ---------- testimonials ---------- */
.quote {
  display: flex;
  flex-direction: column;
  padding: 32px 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.quote__mark { margin-bottom: 14px; color: var(--accent); }
.quote__text { flex: 1; margin-bottom: 22px; color: var(--ink-soft); font-size: .9688rem; }
.quote__person { display: flex; align-items: center; gap: 13px; }
.quote__person img { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; }
.quote__name { font-weight: 600; color: var(--ink); font-size: .9375rem; line-height: 1.3; }
.quote__role { font-size: .8125rem; color: var(--muted); }

/* ---------- partner logos ---------- */
.marquee { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.marquee__track { display: flex; width: max-content; gap: 18px; animation: marquee 48s linear infinite; }
.marquee:hover .marquee__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }
.partner {
  display: grid;
  place-items: center;
  flex: none;
  width: 164px;
  height: 84px;
  padding: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}
.partner img { max-height: 100%; width: auto; opacity: .88; transition: opacity .25s var(--ease), transform .25s var(--ease); }
.partner:hover img { opacity: 1; transform: scale(1.04); }
@media (prefers-reduced-motion: reduce) { .marquee__track { animation: none; } }

/* ---------- offices ---------- */
.office {
  padding: 28px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 3px solid var(--primary);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.office__city { font-size: 1.0625rem; margin-bottom: 2px; }
.office__kind {
  display: inline-block;
  margin-bottom: 12px;
  color: var(--primary);
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.office p { font-size: .9063rem; margin: 0; }

/* ---------- page header ---------- */
.page-head {
  position: relative;
  padding: 74px 0;
  background: var(--surface-deep) center / cover no-repeat;
  color: #c3cfe4;
  text-align: center;
}
.page-head::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(7, 32, 80, .94), rgba(11, 58, 142, .82));
}
.page-head > * { position: relative; }
.page-head h1 { color: #fff; margin-bottom: 10px; }
.page-head p { max-width: 620px; margin: 0 auto; }
.crumbs {
  display: flex;
  justify-content: center;
  gap: 9px;
  margin-top: 18px;
  list-style: none;
  font-size: .875rem;
  color: #9db0cf;
}
.crumbs a { color: #cfdaed; }
.crumbs a:hover { color: #fff; }
.crumbs li + li::before { content: "/"; margin-right: 9px; color: #5c7099; }

/* ---------- article / prose ---------- */
.prose h2 { margin-top: 0; }
.prose h3 { margin-top: 32px; }
.prose > :first-child { margin-top: 0; }
.ticks { list-style: none; display: grid; gap: 11px; }
.ticks li { position: relative; padding-left: 30px; font-size: .9688rem; }
.ticks li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .45em;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--primary-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%230b3a8e' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3.5 8.5l3 3 6-7'/%3E%3C/svg%3E") center / 11px no-repeat;
}

.panel {
  padding: 28px 26px;
  background: var(--surface-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}
.panel h3 { font-size: 1.0625rem; }

.layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 44px; align-items: start; }
.sidebar { position: sticky; top: calc(var(--header-h) + 20px); display: grid; gap: 24px; }
.widget { padding: 26px 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.widget h3 { font-size: 1rem; padding-bottom: 14px; margin-bottom: 14px; border-bottom: 1px solid var(--line); }
.widget--deep { background: var(--primary); border-color: var(--primary); color: rgba(255, 255, 255, .85); }
.widget--deep h3 { color: #fff; border-bottom-color: rgba(255, 255, 255, .2); }
.widget__list { list-style: none; display: grid; gap: 2px; }
.widget__list a {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  padding: 9px 12px;
  border-radius: var(--radius);
  color: var(--ink-soft);
  font-size: .9063rem;
}
.widget__list a:hover, .widget__list a.is-current { background: var(--primary-light); color: var(--primary); font-weight: 600; }
.widget__list span { color: var(--muted); font-weight: 600; font-size: .8125rem; }
.widget__list a:hover span, .widget__list a.is-current span { color: var(--primary); }

/* ---------- table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); }
table.data { width: 100%; border-collapse: collapse; font-size: .9375rem; background: #fff; }
table.data th, table.data td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line); }
table.data th { background: var(--surface-alt); color: var(--ink); font-weight: 600; white-space: nowrap; }
table.data tr:last-child td { border-bottom: 0; }

/* ---------- accordion ---------- */
.faq { display: grid; gap: 12px; }
.faq__item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.faq__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  padding: 18px 22px;
  background: none;
  border: 0;
  color: var(--ink);
  font-size: .9688rem;
  font-weight: 600;
  text-align: left;
}
.faq__q svg { flex: none; color: var(--primary); transition: transform .22s var(--ease); }
.faq__item.is-open .faq__q svg { transform: rotate(45deg); }
.faq__a { display: none; padding: 0 22px 20px; font-size: .9375rem; }
.faq__item.is-open .faq__a { display: block; }

/* ---------- forms ---------- */
.form { display: grid; gap: 18px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 7px; }
.field label { font-size: .8438rem; font-weight: 600; color: var(--ink); }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  font: inherit;
  font-size: .9375rem;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 0;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 58, 142, .12);
}
.field__hint { font-size: .75rem; color: var(--muted); }
.form__note { font-size: .8125rem; color: var(--muted); }
.form-status {
  display: none;
  padding: 13px 16px;
  border-radius: var(--radius);
  background: var(--primary-light);
  color: var(--primary-dark);
  font-size: .9063rem;
  font-weight: 500;
}
.form-status.is-visible { display: block; }

/* ---------- calculator ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 36px; align-items: center; }
.calc__out {
  padding: 30px 26px;
  background: var(--primary);
  border-radius: var(--radius-lg);
  color: rgba(255, 255, 255, .8);
  text-align: center;
}
.calc__emi { font-size: 2.125rem; font-weight: 700; color: #fff; line-height: 1.1; }
.calc__sub { font-size: .8125rem; letter-spacing: .08em; text-transform: uppercase; }
.calc__split { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .2); }
.calc__split div span { display: block; font-size: 1.0625rem; font-weight: 600; color: #fff; }
.calc__split div small { font-size: .75rem; }
.range { width: 100%; accent-color: var(--primary); }
.field__value { float: right; font-weight: 700; color: var(--primary); }

/* ---------- news cards ---------- */
.post {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: box-shadow .25s var(--ease), transform .25s var(--ease);
}
.post:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.post__media { aspect-ratio: 16 / 10; overflow: hidden; background: var(--surface-alt); }
.post__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease); }
.post:hover .post__media img { transform: scale(1.05); }
.post__body { display: flex; flex-direction: column; flex: 1; padding: 24px 22px; }
.post__meta { display: flex; gap: 12px; margin-bottom: 10px; font-size: .75rem; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.post__meta .is-tag { color: var(--primary); }
.post__title { font-size: 1.0625rem; margin-bottom: 10px; }
.post__title a { color: inherit; }
.post__title a:hover { color: var(--primary); }
.post__text { font-size: .9375rem; margin-bottom: 18px; }
.post__foot { margin-top: auto; }

/* ---------- cta band ---------- */
.cta-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 46px 48px;
  background: linear-gradient(100deg, var(--primary-dark), var(--primary));
  border-radius: var(--radius-lg);
  color: rgba(255, 255, 255, .85);
}
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band__actions { display: flex; gap: 12px; flex: none; flex-wrap: wrap; }

/* ---------- footer ---------- */
.footer { background: var(--surface-deep); color: #93a5c4; font-size: .9375rem; }
/* padding-block only: this element is also a .container, whose side padding must survive. */
.footer__top { padding-block: 68px 48px; }
.footer__grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1.2fr; gap: 40px; }
/* Breathing room for the left-hand column so the copy is not flush to the edge. */
.footer__grid > :first-child,
.footer__bottom > :first-child { padding-left: var(--footer-inset); }
.footer img.footer__logo { height: 40px; width: auto; margin-bottom: 20px; }
.footer h4 { margin-bottom: 20px; color: #fff; font-size: .9375rem; letter-spacing: .04em; text-transform: uppercase; }
.footer a { color: #93a5c4; }
.footer a:hover { color: #fff; }
.footer__list { list-style: none; display: grid; gap: 10px; font-size: .9063rem; }
.footer__contact { display: grid; gap: 12px; margin-top: 20px; font-size: .9063rem; }
.footer__contact span { display: flex; gap: 10px; align-items: flex-start; }
.footer__contact svg { flex: none; margin-top: 4px; color: var(--accent); }
.socials { display: flex; gap: 10px; margin-top: 22px; }
.socials a {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: var(--radius);
  color: #93a5c4;
  transition: background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
}
.socials a:hover { background: var(--primary); border-color: var(--primary); color: #fff; }
.footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  padding: 22px 0;
  border-top: 1px solid rgba(255, 255, 255, .1);
  font-size: .8438rem;
}
.footer__bottom ul { list-style: none; display: flex; gap: 18px; }

/* ---------- floating actions ---------- */
.wa-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 51;
  display: flex;
  align-items: center;
  gap: 0;
  height: 56px;
  padding: 0 14px;
  border-radius: 28px;
  background: #25d366;
  color: #fff;
  box-shadow: 0 8px 26px rgba(37, 211, 102, .42);
  transition: gap .28s var(--ease), box-shadow .25s var(--ease);
}
.wa-float:hover { color: #fff; gap: 10px; box-shadow: 0 10px 30px rgba(37, 211, 102, .55); }
.wa-float svg { flex: none; }
.wa-float__label {
  max-width: 0;
  overflow: hidden;
  font-size: .9375rem;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  transition: max-width .28s var(--ease), opacity .2s var(--ease);
}
.wa-float:hover .wa-float__label, .wa-float:focus-visible .wa-float__label { max-width: 180px; opacity: 1; }

.to-top {
  position: fixed;
  right: 22px;
  bottom: 90px;
  z-index: 50;
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  padding: 0;
  background: var(--primary);
  border: 0;
  border-radius: var(--radius);
  color: #fff;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }

/* ---------- reveal on scroll ---------- */
/* Only hidden once JS has confirmed it can reveal them again. */
.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.js .reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- responsive ---------- */
@media (prefers-reduced-motion: reduce) {
  .wa-float, .wa-float__label { transition: none; }
}

@media (max-width: 1100px) {
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .layout { grid-template-columns: 1fr; }
  .sidebar { position: static; grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 991px) {
  .nav-toggle { display: grid; }
  .header__cta { display: none; }
  .nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    max-height: calc(100vh - var(--header-h));
    padding: 12px 20px 22px;
    margin: 0;
    background: #fff;
    border-top: 1px solid var(--line);
    box-shadow: var(--shadow-lg);
    overflow-y: auto;
    display: none;
  }
  .nav.is-open { display: block; }
  .nav__list { flex-direction: column; align-items: stretch; gap: 2px; }
  .nav__link { justify-content: space-between; padding: 12px 14px; }
  .dropdown {
    position: static;
    min-width: 0;
    grid-template-columns: 1fr;
    padding: 4px 0 8px 12px;
    border: 0;
    border-left: 2px solid var(--line);
    border-radius: 0;
    box-shadow: none;
    display: none;
    opacity: 1;
    visibility: visible;
    transform: none;
  }
  .nav__item.is-open .dropdown { display: grid; }
  .nav__mobile-cta { display: grid; gap: 10px; margin-top: 14px; }

  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .rates { padding-top: 30px; }
  .rates__card { grid-template-columns: repeat(2, 1fr); }
  .rate:nth-child(2n) { border-right: 0; }
  .rate:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .steps { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1fr; }
  .cta-band { flex-direction: column; align-items: flex-start; padding: 36px 30px; }
  .section { padding: 64px 0; }
}

@media (max-width: 700px) {
  .topbar__links { display: none; }
  .topbar__inner { justify-content: center; }
  .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .rates { padding-top: 28px; }
  .rates__card { grid-template-columns: 1fr; }
  .rate { border-right: 0; border-bottom: 1px solid var(--line); }
  .rate:last-child { border-bottom: 0; }
  .stats { grid-template-columns: 1fr; }
  .sidebar { grid-template-columns: 1fr; }
  .form__row { grid-template-columns: 1fr; }
  .hero__nav { width: 32px; height: 32px; }
  .hero__nav--prev { left: 8px; }
  .hero__nav--next { right: 8px; }
  /* The banners are wide, so the hero is short here — keep the dots off the artwork. */
  .hero__dots { bottom: 6px; gap: 6px; padding: 5px 9px; }
  .hero__dot { width: 7px; height: 7px; }
  .hero__dot.is-active { width: 18px; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .footer__bottom { justify-content: center; text-align: center; }
  :root { --footer-inset: 0px; }
  .wa-float { right: 16px; bottom: 16px; height: 52px; padding: 0 12px; }
  .to-top { right: 16px; bottom: 80px; }
  .brand img { height: 34px; }
  .section { padding: 54px 0; }
}