/* ============================================================
   Emerald Capital Funding — Modern fintech redesign
   ============================================================ */

:root{
  /* Mahere Capital — blue / navy brand palette (var names kept from prior theme) */
  --emerald-900:#0b1d4d;
  --emerald-800:#1e3a8a;
  --emerald-700:#1d4ed8;
  --emerald-600:#2563eb;
  --emerald-500:#3b82f6;
  --emerald-300:#93c5fd;
  --mint-50:#eff5ff;
  --mint-100:#dbe7fe;

  --ink:#0b1733;
  --ink-2:#36436b;
  --muted:#5d6a86;
  --line:#e5e9f2;
  --bg:#ffffff;
  --bg-alt:#f5f8fd;

  --radius:18px;
  --radius-sm:12px;
  --shadow-sm:0 1px 2px rgba(6,40,30,.06),0 2px 8px rgba(6,40,30,.05);
  --shadow:0 10px 30px -12px rgba(6,60,45,.25);
  --shadow-lg:0 30px 70px -25px rgba(6,60,45,.35);
  --max:1160px;
  --font:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --display:'Sora','Inter',system-ui,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 24px}

h1,h2,h3,h4{font-family:var(--display);line-height:1.12;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(2.3rem,5.4vw,4rem);font-weight:800}
h2{font-size:clamp(1.8rem,3.6vw,2.7rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700}

.grad{
  background:linear-gradient(100deg,var(--emerald-600),var(--emerald-500) 55%,var(--emerald-300));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.eyebrow{
  display:inline-block;font-family:var(--font);font-weight:700;font-size:.78rem;
  letter-spacing:.12em;text-transform:uppercase;color:var(--emerald-700);
  background:var(--mint-50);border:1px solid var(--mint-100);
  padding:6px 12px;border-radius:999px;margin-bottom:18px;
}
.inline-link{color:var(--emerald-700);font-weight:600;text-decoration:underline;text-underline-offset:3px}

/* ---------- Buttons ---------- */
.btn{
  --b:var(--emerald-700);
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--font);font-weight:600;font-size:.95rem;
  padding:11px 20px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .15s ease,box-shadow .2s ease,background .2s ease,color .2s;
  white-space:nowrap;
}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--emerald-700);color:#fff;box-shadow:0 8px 20px -8px rgba(29,78,216,.6)}
.btn--primary:hover{background:var(--emerald-800);box-shadow:0 12px 26px -8px rgba(29,78,216,.7);transform:translateY(-1px)}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--emerald-500);color:var(--emerald-700);background:var(--mint-50)}
.btn--light{background:#fff;color:var(--emerald-800);border-color:var(--mint-100)}
.btn--light:hover{background:var(--mint-50)}
.btn--white{background:#fff;color:var(--emerald-800)}
.btn--white:hover{background:#eef4ff;transform:translateY(-1px)}
.btn--outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn--outline-white:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn--lg{padding:15px 28px;font-size:1rem}
.btn--sm{padding:9px 16px;font-size:.85rem}
.btn--block{width:100%}

/* ---------- Nav ---------- */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:100;
  transition:background .3s ease,box-shadow .3s ease,padding .3s ease;
  padding:14px 0;
}
.nav.scrolled{background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);box-shadow:0 1px 0 var(--line);padding:8px 0}
.nav__inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:800;font-size:1.2rem;color:var(--ink)}
.brand__mark{color:var(--emerald-600);display:grid;place-items:center}
.brand__logo{height:30px;width:auto;display:block}
.brand--footer .brand__logo{height:42px;background:#fff;border-radius:10px;padding:6px}
.brand__text--light{color:var(--emerald-600)}
.nav__links{display:flex;align-items:center;gap:26px}
.nav__links a{font-weight:500;font-size:.95rem;color:var(--ink-2);position:relative;padding:4px 0;white-space:nowrap}
.nav__links a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--emerald-600);transition:width .25s ease}
.nav__links a:hover{color:var(--ink)}
.nav__links a:hover::after{width:100%}
.nav__links a.nav__pill{color:var(--emerald-700);border:1.5px solid var(--mint-100);padding:6px 16px;border-radius:999px;font-weight:600}
.nav__links a.nav__pill::after{content:none}
.nav__links a.nav__pill:hover{background:var(--mint-50);border-color:var(--emerald-500);color:var(--emerald-800)}
.nav__actions{display:flex;align-items:center;gap:16px}
.nav__phone{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.92rem;color:var(--ink-2)}
.nav__phone:hover{color:var(--emerald-700)}
.nav__phone svg{color:var(--emerald-600)}
.nav__call svg{color:var(--emerald-600)}
@media (max-width:760px){.nav__call .nav__call-lbl{display:none}}
.nav__toggle{display:none;flex-direction:column;gap:5px;width:42px;height:42px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.nav__toggle span{width:20px;height:2px;background:var(--ink);border-radius:2px;transition:.25s}
.nav__toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav__toggle.open span:nth-child(2){opacity:0}
.nav__toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;padding:150px 0 90px;background:
  radial-gradient(1100px 520px at 78% -8%,var(--mint-50),transparent 60%),
  linear-gradient(180deg,#fbfefc,#ffffff);overflow:hidden}
.hero__glow{position:absolute;top:-120px;right:-120px;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle at 50% 50%,rgba(37,99,235,.22),transparent 65%);filter:blur(20px);pointer-events:none}
.hero__inner{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;position:relative}
.hero__sub{font-size:1.16rem;color:var(--muted);max-width:560px;margin:22px 0 30px}
.hero__cta{display:flex;gap:14px;flex-wrap:wrap}
.hero__trust{list-style:none;display:flex;gap:24px;flex-wrap:wrap;margin-top:30px}
.hero__trust li{display:flex;align-items:center;gap:8px;font-weight:500;font-size:.92rem;color:var(--ink-2)}
.hero__trust svg{color:var(--emerald-600)}

/* Hero quote card */
.hero__panel{display:flex;justify-content:center}
.quote-card{
  width:100%;max-width:400px;background:#fff;border:1px solid var(--line);
  border-radius:24px;padding:28px;box-shadow:var(--shadow-lg);position:relative;
}
.quote-card::before{content:"";position:absolute;inset:0;border-radius:24px;padding:1px;
  background:linear-gradient(160deg,rgba(37,99,235,.5),transparent 40%);
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.quote-card__head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.quote-card__label{font-weight:600;font-size:.85rem;color:var(--muted)}
.badge{font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:999px}
.badge--live{color:var(--emerald-700);background:var(--mint-50);border:1px solid var(--mint-100)}
.quote-card__amount{display:flex;align-items:baseline;gap:2px;font-family:var(--display);font-weight:800;font-size:2.9rem;color:var(--ink);letter-spacing:-.03em}
.quote-card__currency{font-size:1.6rem;color:var(--emerald-600)}
.quote-card__note{color:var(--muted);font-size:.9rem;margin-bottom:22px}
.quote-card__bars{display:flex;flex-direction:column;gap:14px;margin-bottom:22px}
.qbar{display:grid;grid-template-columns:1fr auto;align-items:center;gap:6px 12px}
.qbar span{font-size:.85rem;color:var(--ink-2)}
.qbar b{font-size:.85rem;color:var(--emerald-700);font-weight:700}
.qbar__track{grid-column:1/-1;height:7px;background:var(--mint-50);border-radius:999px;overflow:hidden}
.qbar__track i{display:block;height:100%;width:var(--w);background:linear-gradient(90deg,var(--emerald-600),var(--emerald-400,#60a5fa));border-radius:999px;transform-origin:left;animation:grow 1.1s cubic-bezier(.4,0,.1,1) both}
.qbar__track--zero i{background:linear-gradient(90deg,#b9cdf2,#d7e4fb)}
@keyframes grow{from{transform:scaleX(0)}to{transform:scaleX(1)}}

/* ---------- Stats ---------- */
.stats{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--bg-alt)}
.stats__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:40px 24px}
.stat{text-align:center;display:flex;flex-direction:column;gap:4px}
.stat__num{font-family:var(--display);font-weight:800;font-size:2.3rem;color:var(--emerald-700);letter-spacing:-.02em}
.stat__label{font-size:.92rem;color:var(--muted)}

/* ---------- Sections ---------- */
.section{padding:96px 0}
.section--alt{background:var(--bg-alt)}
.section__head{max-width:680px;margin:0 auto 56px;text-align:center}
.section__head p{color:var(--muted);font-size:1.1rem;margin-top:16px}
.section__head--left{text-align:left;margin-left:0}

/* ---------- Service cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:var(--shadow-sm);transition:transform .25s ease,box-shadow .25s ease,border-color .25s;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--mint-100)}
.card__icon{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;
  background:var(--mint-50);color:var(--emerald-700);margin-bottom:18px}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.96rem;flex:1}
.card__link{margin-top:16px;font-weight:600;color:var(--emerald-700);font-size:.92rem;transition:gap .2s}
.card__link:hover{color:var(--emerald-800)}
.card--cta{background:linear-gradient(160deg,var(--emerald-800),var(--emerald-600));color:#fff;border:none;justify-content:center;align-items:flex-start}
.card--cta h3{color:#fff}
.card--cta p{color:rgba(255,255,255,.85)}
.card--cta .btn{margin-top:18px}

/* ---------- Why ---------- */
.why{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.why__media{position:relative;min-height:500px;border-radius:24px;display:grid;place-items:center;padding:30px;
  background:linear-gradient(160deg,var(--emerald-800),var(--emerald-600));overflow:hidden;box-shadow:var(--shadow-lg)}
.why__orb{position:absolute;width:320px;height:320px;border-radius:50%;right:-80px;bottom:-100px;
  background:radial-gradient(circle,rgba(255,255,255,.18),transparent 65%)}
.why__card{position:absolute;background:#fff;border-radius:16px;box-shadow:var(--shadow);padding:18px 22px}
.why__card--1{top:46px;left:40px;display:flex;flex-direction:column}
.why__big{font-family:var(--display);font-weight:800;font-size:2rem;color:var(--emerald-700);line-height:1}
.why__small{font-size:.85rem;color:var(--muted)}
.why__card--2{bottom:54px;right:36px;display:flex;align-items:center;gap:10px;color:var(--emerald-700);font-weight:600}
.why__copy h2{margin-bottom:16px}
.why__copy>p{color:var(--muted);font-size:1.08rem;margin-bottom:30px;max-width:520px}
.feature-list{list-style:none;display:flex;flex-direction:column;gap:22px}
.feature-list li{display:flex;gap:16px;align-items:flex-start}
.feature-list__ico{flex:none;width:42px;height:42px;border-radius:12px;display:grid;place-items:center;
  background:var(--mint-50);color:var(--emerald-700)}
.feature-list b{font-size:1.02rem}
.feature-list p{color:var(--muted);font-size:.95rem;margin-top:2px}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step{position:relative;padding:32px 28px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.step__num{font-family:var(--display);font-weight:800;font-size:1rem;color:#fff;background:var(--emerald-700);
  width:44px;height:44px;border-radius:12px;display:grid;place-items:center;margin-bottom:18px;letter-spacing:0}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.96rem}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--emerald-900),var(--emerald-700) 55%,var(--emerald-600));color:#fff;
  position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;width:500px;height:500px;border-radius:50%;top:-200px;right:-120px;
  background:radial-gradient(circle,rgba(255,255,255,.12),transparent 60%)}
.cta-band__inner{display:flex;align-items:center;justify-content:space-between;gap:36px;padding:64px 24px;position:relative;z-index:1;flex-wrap:wrap}
.cta-band h2{color:#fff;max-width:560px}
.cta-band p{color:rgba(255,255,255,.85);margin-top:12px;max-width:520px}
.cta-band__actions{display:flex;gap:14px;flex-wrap:wrap}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.faq .section__head{margin:0}
.accordion{display:flex;flex-direction:column;gap:12px}
.acc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden;transition:box-shadow .2s,border-color .2s}
.acc[open]{box-shadow:var(--shadow-sm);border-color:var(--mint-100)}
.acc summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:600;font-size:1.02rem;
  display:flex;align-items:center;justify-content:space-between;gap:16px}
.acc summary::-webkit-details-marker{display:none}
.acc__chev{flex:none;width:18px;height:18px;position:relative}
.acc__chev::before,.acc__chev::after{content:"";position:absolute;background:var(--emerald-700);border-radius:2px;transition:transform .25s}
.acc__chev::before{width:14px;height:2px;top:8px;left:2px}
.acc__chev::after{width:2px;height:14px;top:2px;left:8px}
.acc[open] .acc__chev::after{transform:scaleY(0)}
.acc__body{padding:0 22px 20px}
.acc__body p{color:var(--muted);font-size:.96rem}

/* ---------- Contact ---------- */
.contact{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.contact__copy h2{margin-bottom:14px}
.contact__copy>p{color:var(--muted);font-size:1.08rem;max-width:420px}
.contact__details{list-style:none;display:flex;flex-direction:column;gap:18px;margin-top:32px}
.contact__details li{display:flex;gap:14px;align-items:center}
.contact__ico{flex:none;width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--mint-50);color:var(--emerald-700)}
.contact__details span{display:block;font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.contact__details a{font-weight:600;color:var(--ink)}
.contact__details a:hover{color:var(--emerald-700)}

.contact__form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field label{font-size:.88rem;font-weight:600;color:var(--ink-2)}
.opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{
  font-family:var(--font);font-size:.96rem;color:var(--ink);
  padding:12px 14px;border:1.5px solid var(--line);border-radius:11px;background:#fff;transition:border-color .2s,box-shadow .2s;width:100%;resize:vertical;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--emerald-500);box-shadow:0 0 0 4px var(--mint-50)}
.field input.invalid,.field select.invalid{border-color:#e5484d;box-shadow:0 0 0 4px #fdecec}
.form-note{margin-top:14px;text-align:center;font-weight:600;color:var(--emerald-700);background:var(--mint-50);border:1px solid var(--mint-100);padding:12px;border-radius:11px}

/* ---------- Footer ---------- */
.footer{background:var(--emerald-900);color:#cdd9f5;padding:64px 0 28px}
.footer__inner{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1)}
.brand--footer{color:#fff;margin-bottom:16px}
.brand--footer .brand__mark{color:var(--emerald-300)}
.brand--footer .brand__text--light{color:var(--emerald-300)}
.footer__brand p{font-size:.95rem;color:#aab8da;max-width:300px;margin-bottom:18px}
.footer__social{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.08);color:#fff;transition:background .2s}
.footer__social:hover{background:var(--emerald-600)}
.footer__col h4{color:#fff;font-size:.95rem;margin-bottom:16px;font-family:var(--font);font-weight:700}
.footer__col a{display:block;font-size:.92rem;color:#aab8da;padding:5px 0;transition:color .2s}
.footer__col a:hover{color:#fff}
.footer__apply{margin-top:10px;color:#fff}
.footer__bottom{display:flex;justify-content:space-between;align-items:center;padding-top:24px;font-size:.85rem;color:#8a9bc9;flex-wrap:wrap;gap:12px}
.footer__legal{display:flex;gap:22px}
.footer__legal a:hover{color:#fff}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero__inner{grid-template-columns:1fr;gap:44px}
  .hero__panel{order:-1;max-width:420px;margin:0 auto}
  .cards{grid-template-columns:repeat(2,1fr)}
  .why,.faq,.contact{grid-template-columns:1fr;gap:40px}
  .why__media{min-height:300px}
  .steps{grid-template-columns:1fr}
  .stats__grid{grid-template-columns:repeat(2,1fr);gap:30px 16px}
  .footer__inner{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav__links{
    position:fixed;inset:0 0 auto 0;top:0;flex-direction:column;gap:0;
    background:#fff;padding:90px 24px 28px;box-shadow:var(--shadow-lg);
    transform:translateY(-110%);transition:transform .35s cubic-bezier(.4,0,.1,1);
  }
  .nav__links.open{transform:translateY(0)}
  .nav__links a{padding:16px 0;border-bottom:1px solid var(--line);font-size:1.05rem}
  .nav__toggle{display:flex}
  .nav__phone{display:none}
  .section{padding:70px 0}
  .cards{grid-template-columns:1fr}
  .cta-band__inner{flex-direction:column;align-items:flex-start}
}
@media (max-width:460px){
  .field-row{grid-template-columns:1fr}
  .stats__grid{grid-template-columns:1fr 1fr}
  .footer__inner{grid-template-columns:1fr}
  .hero{padding-top:120px}
}

/* ---------- Full application page ---------- */
.apphero{padding:118px 0 26px;text-align:center;background:
  radial-gradient(820px 380px at 50% -20%,var(--mint-50),transparent 60%),linear-gradient(180deg,#fbfdff,#fff)}
.apphero h1{font-size:clamp(1.9rem,3.6vw,2.6rem)}
.apphero p{color:var(--muted);max-width:580px;margin:14px auto 0;font-size:1.06rem}
.apphero__chips{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:22px}
.apphero__chip{display:inline-flex;align-items:center;gap:7px;font-size:.84rem;font-weight:600;color:var(--emerald-800);
  background:#fff;border:1px solid var(--mint-100);padding:7px 13px;border-radius:999px}
.apphero__chip svg{color:var(--emerald-600)}
.appwrap{max-width:880px;margin:0 auto;padding:30px 24px 80px}
.appcard{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:clamp(22px,3vw,38px)}
.field-row--3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.sig-row{display:grid;grid-template-columns:2fr 1fr;gap:16px}
.field .sig-input{font-family:'Segoe Script','Brush Script MT',cursive;font-size:1.25rem;letter-spacing:.01em;color:var(--emerald-800)}
.appnote-small{font-size:.82rem;color:var(--muted);margin-top:-6px;margin-bottom:18px}
@media(max-width:620px){.field-row--3,.sig-row{grid-template-columns:1fr}}

/* ---------- Apply page ---------- */
.apply-page{padding:110px 0 70px;background:
  radial-gradient(900px 480px at 85% -10%,var(--mint-50),transparent 60%),
  linear-gradient(180deg,#fbfefc,#ffffff);min-height:100vh}
.apply-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.apply-aside{position:sticky;top:100px}
.apply-aside h1{font-size:clamp(1.9rem,3.5vw,2.7rem);margin-bottom:16px}
.apply-aside__sub{color:var(--muted);font-size:1.08rem;max-width:440px;margin-bottom:34px}
.apply-steps{list-style:none;display:flex;flex-direction:column;gap:22px;margin-bottom:36px}
.apply-steps li{display:flex;gap:16px;align-items:flex-start}
.apply-steps span{flex:none;width:34px;height:34px;border-radius:50%;background:var(--emerald-700);color:#fff;display:grid;place-items:center;font-weight:700;font-family:var(--display)}
.apply-steps b{font-size:1.02rem}
.apply-steps p{color:var(--muted);font-size:.94rem;margin-top:2px}
.apply-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.apply-trust div{text-align:center}
.apply-trust b{display:block;font-family:var(--display);font-weight:800;font-size:1.4rem;color:var(--emerald-700)}
.apply-trust span{font-size:.8rem;color:var(--muted)}

.apply-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:34px;box-shadow:var(--shadow-lg)}
.apply-card h2{font-size:1.7rem;margin-bottom:4px}
.apply-card__lead{color:var(--muted);font-size:.92rem;margin-bottom:26px}
.apply-fieldset{border:none;margin-bottom:22px;padding:0}
.apply-fieldset legend{font-family:var(--display);font-weight:700;font-size:1.05rem;color:var(--ink);margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid var(--line);width:100%}
.consent{display:flex;gap:11px;align-items:flex-start;margin:6px 0 22px;font-size:.92rem;color:var(--ink-2);cursor:pointer}
.consent input{margin-top:3px;width:17px;height:17px;accent-color:var(--emerald-600);flex:none}
.consent input.invalid{outline:2px solid #e5484d;border-radius:3px}
.apply-secure{display:flex;align-items:center;justify-content:center;gap:7px;margin-top:16px;font-size:.85rem;color:var(--muted)}
.apply-secure svg{color:var(--emerald-600)}

@media (max-width:880px){
  .apply-grid{grid-template-columns:1fr;gap:40px}
  .apply-aside{position:static}
}
@media (max-width:460px){
  .apply-card{padding:24px 20px}
}

/* ---------- Upload portal ---------- */
.upload-checklist{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);margin-bottom:24px}
.upload-checklist h3{font-size:1.05rem;margin-bottom:14px}
.upload-checklist ul{list-style:none;display:flex;flex-direction:column;gap:12px}
.upload-checklist li{display:flex;gap:11px;align-items:flex-start;font-size:.94rem;color:var(--ink-2)}
.upload-checklist svg{flex:none;color:var(--emerald-600);margin-top:2px}
.upload-secure{display:flex;align-items:center;gap:8px;font-size:.86rem;color:var(--muted)}
.upload-secure svg{color:var(--emerald-600);flex:none}
.field-label-block{display:block;font-size:.88rem;font-weight:600;color:var(--ink-2);margin-bottom:8px}

.dropzone{border:2px dashed var(--mint-100);border-radius:var(--radius);background:var(--mint-50);
  padding:38px 20px;text-align:center;cursor:pointer;transition:border-color .2s,background .2s,transform .1s;margin-bottom:16px}
.dropzone:hover{border-color:var(--emerald-500);background:#eaf1fe}
.dropzone:focus-visible{border-color:var(--emerald-500);background:#eaf1fe;outline:3px solid var(--emerald-500);outline-offset:3px}
.dropzone.dragover{border-color:var(--emerald-600);background:#e0ebfd;transform:scale(1.01)}
.dropzone.invalid{border-color:#e5484d;background:#fdecec}
.dropzone__ico{margin:0 auto 12px;color:var(--emerald-600)}
.dropzone__title{font-weight:700;font-size:1.05rem;color:var(--ink)}
.dropzone__sub{color:var(--muted);font-size:.95rem;margin-top:2px}
.dropzone__browse{color:var(--emerald-700);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.dropzone__meta{font-size:.8rem;color:var(--muted);margin-top:10px}

.filelist{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:18px}
.filelist__item{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:11px 14px}
.filelist__ico{flex:none;color:var(--emerald-700);display:grid;place-items:center}
.filelist__ico svg{width:22px;height:22px}
.filelist__meta{flex:1;min-width:0;display:flex;flex-direction:column;gap:2px}
.filelist__meta b{font-size:.9rem;font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.filelist__meta span{font-size:.78rem;color:var(--muted)}
.filelist__err{color:#e5484d!important;font-weight:600}
.filelist__bar{height:4px;background:var(--mint-50);border-radius:999px;overflow:hidden;margin-top:5px}
.filelist__bar i{display:block;height:100%;width:0;background:var(--emerald-600);border-radius:999px}
.filelist__rm{flex:none;width:28px;height:28px;border-radius:8px;border:none;background:var(--bg-alt);color:var(--muted);font-size:1.2rem;line-height:1;cursor:pointer;transition:.2s}
.filelist__rm:hover{background:#fdecec;color:#e5484d}

/* ---------- Products page ---------- */
.prod-hero{position:relative;padding:150px 0 70px;text-align:center;overflow:hidden;background:
  radial-gradient(900px 460px at 50% -10%,var(--mint-50),transparent 62%),linear-gradient(180deg,#fbfefc,#fff)}
.prod-hero__glow{position:absolute;top:-160px;left:50%;transform:translateX(-50%);width:640px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(37,99,235,.16),transparent 65%);pointer-events:none}
.prod-hero__inner{position:relative;max-width:760px;margin:0 auto}
.prod-hero p{color:var(--muted);font-size:1.15rem;max-width:600px;margin:20px auto 30px}
.prod-hero__cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

.prod-row{display:grid;grid-template-columns:280px 1fr;gap:44px;align-items:center;padding:36px 0;border-bottom:1px solid var(--line)}
.prod-row:last-child{border-bottom:none}
.prod-row--rev .prod-row__media{order:2}
.prod-row__media{display:flex;justify-content:center}
.prod-row__icon{width:150px;height:150px;border-radius:32px;display:grid;place-items:center;color:var(--emerald-700);
  background:linear-gradient(160deg,var(--mint-50),#fff);border:1px solid var(--mint-100);box-shadow:var(--shadow);transition:transform .3s}
.prod-row:hover .prod-row__icon{transform:translateY(-4px) rotate(-3deg)}
.prod-row__icon svg{width:54px;height:54px}
.prod-row__tag{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--emerald-700);background:var(--mint-50);border:1px solid var(--mint-100);padding:5px 11px;border-radius:999px;margin-bottom:12px}
.prod-row__body h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:10px}
.prod-row__lead{font-size:1.12rem;font-weight:600;color:var(--ink);margin-bottom:10px}
.prod-row__body p{color:var(--muted);font-size:1rem;max-width:620px}
.prod-row__body .card__link{display:inline-block;margin-top:16px}

@media (max-width:760px){
  .prod-row{grid-template-columns:1fr;gap:20px;text-align:center}
  .prod-row--rev .prod-row__media{order:0}
  .prod-row__icon{width:110px;height:110px;border-radius:26px}
  .prod-row__icon svg{width:42px;height:42px}
  .prod-row__body p{margin-left:auto;margin-right:auto}
}

/* ---------- Why-section iPhone funding animation ---------- */
.phone{position:relative;z-index:2;width:218px;height:446px;
  background:#0a1f1a;border-radius:40px;padding:9px;
  box-shadow:0 34px 70px -22px rgba(8,20,55,.6),inset 0 0 0 2px rgba(255,255,255,.07);
  animation:floatY 6s ease-in-out infinite}
.phone__island{position:absolute;top:18px;left:50%;transform:translateX(-50%);width:78px;height:21px;background:#000;border-radius:999px;z-index:4}
.phone__screen{width:100%;height:100%;background:#f4faf7;border-radius:31px;overflow:hidden;position:relative}
.appui{padding:36px 15px 15px;height:100%;display:flex;flex-direction:column}
.appui__head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
.appui__brand{display:flex;align-items:center;gap:5px;font-family:var(--display);font-weight:800;font-size:.88rem;color:var(--emerald-800)}
.appui__brand svg{color:var(--emerald-600)}
.appui__time{font-size:.72rem;font-weight:600;color:var(--muted)}
.appui__label{font-size:.72rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.flow{position:relative;list-style:none;display:flex;flex-direction:column;gap:22px;padding:0}
.flow__line,.flow__line-fill{position:absolute;left:17px;top:18px;width:2px;border-radius:2px}
.flow__line{bottom:18px;background:var(--mint-100)}
.flow__line-fill{height:0;background:var(--emerald-500);transition:height .6s cubic-bezier(.4,0,.1,1)}
.flow__step{position:relative;display:flex;align-items:center;gap:12px;opacity:.5;transition:opacity .45s ease}
.flow__step.is-done{opacity:1}
.flow__dot{position:relative;flex:none;width:36px;height:36px;border-radius:50%;background:#fff;border:2px solid var(--mint-100);
  display:grid;place-items:center;color:var(--emerald-600);transition:background .45s,border-color .45s,transform .45s,color .45s}
.flow__step.is-done .flow__dot{background:var(--emerald-600);border-color:var(--emerald-600);color:#fff;transform:scale(1.07)}
.flow__icon,.flow__tick{position:absolute;width:18px;height:18px;transition:opacity .35s ease,transform .35s ease}
.flow__icon{opacity:1}
.flow__tick{opacity:0;transform:scale(.4)}
.flow__step.is-done .flow__icon{opacity:0}
.flow__step.is-done .flow__tick{opacity:1;transform:scale(1)}
.flow__txt{display:flex;flex-direction:column;line-height:1.2}
.flow__txt b{font-size:.82rem;color:var(--ink)}
.flow__txt small{font-size:.7rem;color:var(--muted)}
.appui__funded{position:absolute;left:12px;right:12px;bottom:12px;display:flex;align-items:center;gap:11px;
  background:#fff;border:1px solid var(--mint-100);border-radius:15px;padding:12px;
  box-shadow:0 14px 30px -12px rgba(20,40,100,.45);
  transform:translateY(150%);opacity:0;transition:transform .55s cubic-bezier(.34,1.45,.5,1),opacity .4s}
.appui__funded.show{transform:translateY(0);opacity:1}
.appui__fcheck{flex:none;width:38px;height:38px;border-radius:50%;background:var(--emerald-600);color:#fff;display:grid;place-items:center}
.appui__fcheck svg{width:21px;height:21px}
.appui__ftxt{display:flex;flex-direction:column;line-height:1.25}
.appui__ftxt b{font-size:.86rem;color:var(--ink)}
.appui__ftxt small{font-size:.74rem;color:var(--emerald-700);font-weight:600}
@media (max-width:960px){.why__media{min-height:0;padding:40px 0}}

/* ---------- Product cards with terms ---------- */
.prod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.prodcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:transform .25s ease,box-shadow .25s ease,border-color .25s}
.prodcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--mint-100)}
.prodcard__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.prodcard__icon{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;background:var(--mint-50);color:var(--emerald-700)}
.prodcard__tag{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--emerald-700);
  background:var(--mint-50);border:1px solid var(--mint-100);padding:5px 10px;border-radius:999px}
.prodcard__tag--new{color:#fff;background:var(--emerald-600);border-color:var(--emerald-600)}
.prodcard h3{margin-bottom:6px}
.prodcard__partner{display:inline-block;font-size:.8rem;color:var(--muted);margin-bottom:10px}
.prodcard__partner b{color:var(--emerald-800);font-weight:700}
.prodcard__lead{font-weight:600;color:var(--ink);font-size:.98rem;margin-bottom:8px}
.prodcard__desc{color:var(--muted);font-size:.92rem;margin-bottom:18px}
.prodcard__terms{margin:0 0 20px;border-top:1px solid var(--line)}
.prodcard__terms>div{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:9px 0;border-bottom:1px solid var(--line)}
.prodcard__terms dt{font-size:.84rem;color:var(--muted);flex:none}
.prodcard__terms dd{font-size:.84rem;font-weight:600;color:var(--ink);text-align:right}
.prodcard .btn{margin-top:auto}
.prodcard--feature{border-color:var(--emerald-300);box-shadow:0 14px 34px -16px rgba(37,99,235,.4)}
@media (max-width:960px){.prod-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.prod-grid{grid-template-columns:1fr}}

/* ---------- Trust badges strip ---------- */
.trustbar{border-bottom:1px solid var(--line);background:#fff;padding:26px 0}
.trustbar__inner{display:flex;align-items:center;justify-content:center;gap:18px 38px;flex-wrap:wrap}
.trustbar__label{font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.tbadge{display:inline-flex;align-items:center;gap:10px;padding:8px 14px;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s}
.tbadge:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.tbadge__stars{display:flex;gap:1px;color:#ffb400}
.tbadge__text{display:flex;flex-direction:column;line-height:1.15}
.tbadge__text b{font-size:.92rem;color:var(--ink)}
.tbadge__text span{font-size:.76rem;color:var(--muted)}
.tbadge--bbb{background:#0a558c;border-color:#0a558c}
.tbadge--bbb .bbb-mark{font-family:var(--display);font-weight:800;color:#fff;font-size:1.15rem;letter-spacing:-.02em}
.tbadge--bbb .bbb-txt b{color:#fff}
.tbadge--bbb .bbb-txt span{color:#bcd6ea}
.tbadge--tp{background:#fff}
.tp-mark{display:inline-flex;align-items:center;gap:6px}
.tp-star{width:22px;height:22px;background:#00b67a;display:inline-grid;place-items:center;border-radius:3px}
.tp-mark b{font-size:.95rem;color:#191919}

/* ---------- Reviews section ---------- */
.reviews__head{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:36px}
.reviews__score{display:flex;align-items:center;gap:16px}
.reviews__g{width:46px;height:46px;flex:none}
.reviews__big{font-family:var(--display);font-weight:800;font-size:2.2rem;line-height:1;color:var(--ink)}
.reviews__stars{display:flex;gap:2px;color:#ffb400;margin:2px 0}
.reviews__count{font-size:.86rem;color:var(--muted)}
.review-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:12px;transition:transform .25s,box-shadow .25s}
.rcard:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.rcard__top{display:flex;align-items:center;gap:12px}
.rcard__avatar{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-family:var(--display);font-weight:700;color:#fff;flex:none}
.rcard__who b{display:block;font-size:.95rem}
.rcard__who span{font-size:.78rem;color:var(--muted)}
.rcard__stars{display:flex;gap:2px;color:#ffb400}
.rcard__body{color:var(--ink-2);font-size:.95rem;flex:1}
.rcard__src{display:flex;align-items:center;gap:7px;font-size:.8rem;color:var(--muted)}
.reviews__cta{text-align:center;margin-top:34px}

@media (max-width:880px){.review-cards{grid-template-columns:1fr}}

/* ---------- Hero & steps motion (swoosh) ---------- */
.hero__swoosh{position:absolute;top:4%;right:-3%;width:min(660px,58%);height:auto;z-index:0;opacity:.85;pointer-events:none}
.hero__swoosh-path{stroke-dasharray:1400;stroke-dashoffset:0;filter:drop-shadow(0 6px 16px rgba(37,99,235,.2))}
.hero__swoosh.in .hero__swoosh-path{animation:heroDraw 1.9s cubic-bezier(.4,0,.1,1)}
@keyframes heroDraw{from{stroke-dashoffset:1400}to{stroke-dashoffset:0}}

.quote-card{overflow:hidden;animation:floatY 6.5s ease-in-out infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
.quote-card::after{content:"";position:absolute;top:0;bottom:0;left:-70%;width:42%;z-index:3;
  background:linear-gradient(100deg,transparent,rgba(255,255,255,.5),transparent);
  transform:skewX(-16deg);pointer-events:none;
  animation:cardShine 6s ease-in-out 1.6s infinite}
@keyframes cardShine{0%{left:-70%}20%{left:150%}100%{left:150%}}

.grad{background-size:220% 100%;animation:gradShift 7s ease-in-out infinite}
@keyframes gradShift{0%,100%{background-position:0% 50%}50%{background-position:100% 50%}}

.steps{position:relative}
.step{z-index:1}
.step.reveal{transform:translateY(26px) scale(.97);transition:opacity .7s ease,transform .7s cubic-bezier(.34,1.4,.5,1)}
.step.reveal.in{transform:none}
.steps__swoosh{position:absolute;top:40px;left:1.5%;width:97%;height:72px;z-index:0;pointer-events:none}
.steps__swoosh path{animation:stepsFlow 1.5s linear infinite}
@keyframes stepsFlow{to{stroke-dashoffset:-44}}
@media (max-width:960px){.steps__swoosh{display:none}}
@media (max-width:760px){.hero__swoosh{display:none}}

/* ---------- Focus visibility (keyboard a11y) ---------- */
a:focus-visible,button:focus-visible,[role="button"]:focus-visible,summary:focus-visible{
  outline:3px solid var(--emerald-500);outline-offset:2px;border-radius:8px}
.btn:focus-visible{outline-offset:3px}

/* ---------- Live badge pulse (metric signal) ---------- */
.badge--live{position:relative}
.badge--live::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;
  background:var(--emerald-500);margin-right:5px;vertical-align:middle;
  box-shadow:0 0 0 0 rgba(37,99,235,.55);animation:livePulse 2s ease-out infinite}
@keyframes livePulse{0%{box-shadow:0 0 0 0 rgba(37,99,235,.5)}70%{box-shadow:0 0 0 7px rgba(37,99,235,0)}100%{box-shadow:0 0 0 0 rgba(37,99,235,0)}}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}