:root{
    --bcl-navy:#0b2a4d;
    --bcl-navy-2:#0f3560;
    --bcl-blue:#1868e0;
    --bcl-light-blue:#eaf2fe;
    --bcl-gray-bg:#f4f7fb;
    --bcl-text-gray:#68727f;
    --blue:#0069B6;
    --blue-light:#0091D6;
    --navy:#0D2A4A;
    --footer:#092644;
    --text:#1c2733;
    --muted:#68758a;
    --bg-soft:#f6f8fb;
    --radius:14px;
    --shadow:0 10px 30px rgba(13,42,74,0.08);
    --blue-900:#0b1a4d;
    --blue-800:#122268;
    --blue-700:#1b2f8a;
    --blue-600:#2540b3;
    --blue-500:#3355d8;
    --blue-100:#e8ecfb;
    --blue-50:#f4f6fd;
    --ink:#101632;
    --muted:#5b6178;
    --line:#e4e7f2;
    --white:#ffffff;
    --gold:#f0a942;
    --radius-lg:18px;
    --radius-md:12px;
    --radius-sm:8px;  
    --blg-navy:#0d2a4a;
    --blg-blue:#1857d6;
    --blg-blue-dark:#0a3fa8;
    --blg-blue-light:#eaf3ff;
    --blg-blue-pale:#f4f8ff;
    --blg-gray:#6b7684;
    --blg-border:#e6ecf5;  
    --bp-navy:#0b1c3f;
    --bp-blue:#1b4fd1;
    --bp-blue-dark:#123aa3;
    --bp-blue-light:#eef3ff;
    --bp-text-dark:#16213e;
    --bp-text-gray:#6b7280;
    --bp-border:#e6e9f0;
    --apn-navy:#0c2461;
    --apn-navy-2:#13328a;
    --apn-blue:#1a4fd6;
    --apn-orange:#f7941d;
    --apn-orange-2:#f5a623;
    --apn-text-dark:#1b2440;
    --apn-text-muted:#6b7280;
    --apn-border:#e5e8f0;
    --apn-bg-soft:#f6f8fc;
    --apn-white:#ffffff;
    --text-gray:#6c7189;
    --ink: #0C1E33;
    --ink-soft: #16304F;
    --paper: #FBF8F2;
    --paper-line: #E4DDCC;
    --text: #1A2333;
    --muted: #6E7688;
    --gold: #B8873D;
    --gold-soft: #F1E4C9;
    --sage: #3F7D5C;
    --sage-bg: #E4EFE7;
    --rust: #A8482E;
    --rust-bg: #F6E5DF;
    --steel: #35618C;
    --steel-bg: #E3ECF4;
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;overflow-x:hidden;max-width:100%;}
  body{font-family:'Poppins', sans-serif;color:var(--text);line-height:1.6;max-width:100%;background:#fff;}
  h1{font-family:'Poppins', sans-serif;margin-bottom:10px;font-size:20px!important;text-transform:uppercase;}
  h2{font-family:'Poppins', sans-serif;margin-bottom:10px;font-size:18px!important;text-transform:uppercase;}
  h3,h4,h5,h6{font-family:'Poppins', sans-serif;margin:5px 0px;font-size:15px!important;text-transform:uppercase;}
  a{text-decoration:none;color:var(--apn-blue);display:contents;}

  ul{list-style:none;}
  img{max-width:100%;display:block;}
  .container{width:100%;max-width:1180px;margin:0 auto;padding:0 24px!important;}
  .btn{display:inline-block;padding:14px 30px;border-radius:8px;font-weight:600;font-size:15px;
    background:var(--navy);color:#fff !important;border:none;cursor:pointer;transition:.25s;}
  .btn:hover{background:var(--blue);transform:translateY(-2px);}

.btn-light{display:inline-block;padding:14px 30px;border-radius:8px;font-weight:600;font-size:15px;
    background:var(--blue);color:#fff;border:none;cursor:pointer;transition:.25s;}
  .btn-light:hover{background:var(--navy);transform:translateY(-2px);}


  .btn-outline{background:transparent;border:1.5px solid #fff;color:#fff;}
  .btn-outline:hover{background:#fff;color:var(--blue);}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;background-image: linear-gradient(270.47deg, #0C2139 9.68%, #004AA1 63.53%, #28B8FF 89.55%);color:#fff;
    font-size:12.5px;font-weight:600;padding:6px 14px;border-radius:20px;margin-bottom:14px;
  }
  .eyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--bg-soft);}
  .eyebrow.light{background-image: linear-gradient(270.47deg, #0C2139 9.68%, #004AA1 63.53%, #28B8FF 89.55%);color:#fff;}
  .eyebrow.light::before{background:#fff;}
  section{padding:50px 0;}
  .section-head{max-width:1180px;margin-bottom:20px;}
  .section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
  .section-head h2{font-size:34px;font-weight:700;line-height:1.25;color:var(--navy);}
  .section-head h2 span{color:var(--blue);}
  .section-head p{color:var(--muted);margin-top:12px;font-size:14.5px;}

  .section-eyebrow{
    display:block;
    width:36px;height:3px;
    background:var(--gold);
    border-radius:2px;
    margin-bottom:12px;
  }

  /* ===== HEADER (top info row + nav row, matches reference) ===== */
  header.main{position:sticky;top:0;z-index:1000;background:#fff;box-shadow:0 2px 14px rgba(13,42,74,.06);border-bottom: 1px solid #eef1f5;}
  .top-accent{height:4px;background:linear-gradient(90deg,var(--navy),var(--blue));}

  /* Row 1: logo + 3 contact columns, divided by vertical rules */
  .info-row{border-bottom:1px solid #eef1f5;max-height:90px;overflow:hidden;transition:max-height .35s ease,opacity .3s ease,border-color .3s ease;}
  header.main.scrolled .info-row{max-height:0;opacity:0;border-bottom-color:transparent;}
  .info-row .container{display:flex;align-items:stretch;}
  .info-col{
    display:flex;align-items:center;gap:12px;padding:16px 26px;border-left:1px solid #eef1f5;flex:1;min-width:0;
  }
  .info-col:first-child{border-left:none;padding-left:0;flex:0 0 auto;}
  .info-icon{
    width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:#fff;
  }
  .info-icon.grey{background:var(--bg-soft);color:var(--blue);}
  .info-icon.blue{background:var(--blue);}
  .info-icon.navy{background:var(--navy);}
  .info-text{min-width:0;}
  .info-text .label{font-size:12px;color:var(--muted);display:block;white-space:nowrap;}
  .info-text .value{font-size:14px;font-weight:600;color:var(--navy);white-space:nowrap;}

  /* Row 2: nav + search */
  .navwrap{width:100%;}
  .navwrap-inner{display:flex;align-items:center;justify-content:space-between;padding-top:14px!important;padding-bottom:14px!important;}
  .logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:22px;color:var(--navy);}
  .logo .mark{width:38px;height:38px;border-radius:10px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-size:16px;}
  .logo .mark svg{width:20px;height:20px;}
  nav.primary-nav ul{display:flex;gap:34px;}
  nav.primary-nav a{font-weight:500;font-size:15px;color:var(--text);transition:.2s;position:relative;}
  nav.primary-nav a:hover{color:var(--blue);}
  nav.primary-nav a.active{color:var(--blue);}

  /* Loans dropdown - desktop */
  .has-dropdown{position:relative;}
  .dropdown-toggle{display:flex;align-items:center;gap:6px;cursor:pointer;}
  .dropdown-toggle .caret{font-size:10px;transition:transform .25s ease;}
  .has-dropdown:hover .dropdown-toggle .caret,
  .has-dropdown.open .dropdown-toggle .caret{transform:rotate(180deg);}
  .dropdown-menu{
    position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(10px);
    min-width:320px;background:#fff;border-radius:0;padding:8px 8px 6px;
    box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.25s cubic-bezier(.22,.9,.32,1);z-index:150;
    display:flex;flex-direction:column;gap:0!important;overflow:visible;
  }
  .has-dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
  .dropdown-menu li{list-style:none;}
  .dropdown-menu li a{display:flex;align-items:center;gap:12px;padding:5px 10px;border-radius:10px;font-size:14.5px;font-weight:500;color:var(--text);border:none;}
  .dropdown-menu li a:hover{background:var(--bg-soft);color:var(--blue);padding-left:16px;}
  .dropdown-menu li a i{width:32px;height:32px;flex:0 0 32px;border-radius:9px;background:var(--bg-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:13px;}

  /* Bad Credit Loans - nested submenu (desktop flyout) */
  .dropdown-menu .has-submenu{position:relative;}
  .dropdown-menu .has-submenu .submenu-toggle{display:flex;align-items:center;justify-content:space-between;gap:10px;}
  .dropdown-menu .has-submenu .submenu-caret{font-size:9px;color:var(--muted);transition:transform .25s ease;margin-left:auto;}
  .dropdown-menu .has-submenu:hover .submenu-caret{transform:translateX(2px);color:var(--blue);}
  .dropdown-menu .submenu{
    position:absolute;top:0;left:100%;margin-left:8px;min-width:220px;background:#fff;border-radius:10px;
    padding:8px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateX(6px);
    transition:.25s cubic-bezier(.22,.9,.32,1);z-index:160;display:flex;flex-direction:column;gap:0!important;
  }
  .dropdown-menu .has-submenu:hover .submenu{opacity:1;visibility:visible;transform:translateX(0);}
  .dropdown-menu .submenu li{list-style:none;}
  .dropdown-menu .submenu li a{display:flex;align-items:center;padding:5px 5px;border-radius:8px;font-size:14px;font-weight:500;color:var(--text);border:none;}
  .dropdown-menu .submenu li a:hover{background:var(--bg-soft);color:var(--blue);}

  /* Loans dropdown - mobile drawer accordion */
  .mobile-drawer .has-dropdown .dropdown-toggle{display:flex;justify-content:space-between;border-bottom:1px solid #eef1f5;}
  .mobile-drawer .dropdown-menu{
    position:static !important;opacity:1;visibility:visible;transform:none !important;box-shadow:none;padding:0;min-width:0;
    max-height:0;overflow:hidden;overflow-x:hidden;transition:max-height .35s ease,padding .35s ease;
  }
  .mobile-drawer .has-dropdown.open .dropdown-menu{max-height:640px;padding:4px 0 4px 0px;}
  .mobile-drawer .dropdown-menu li a{display:flex;align-items:center;gap:12px;border-bottom:none;padding:10px 6px;font-size:14.5px;font-weight:500;}

  /* Bad Credit Loans - nested submenu (mobile drawer accordion) */
  .mobile-drawer .has-submenu > .submenu-toggle{display:flex;align-items:center;justify-content:space-between;gap:10px;}
  .mobile-drawer .has-submenu .submenu-caret{font-size:10px;color:var(--muted);transition:transform .25s ease;margin-left:auto;}
  .mobile-drawer .has-submenu.open .submenu-caret{transform:rotate(90deg);color:var(--blue);}
  .mobile-drawer .submenu{
    position:static!important;opacity:1;visibility:visible;transform:none!important;box-shadow:none;padding:0 0 0 14px;min-width:0;
    max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease;
  }
  .mobile-drawer .has-submenu.open .submenu{max-height:220px;padding:4px 0 4px 14px;}
  .mobile-drawer .submenu li a{display:flex;align-items:center;gap:12px;border-bottom:none;padding:8px 6px;font-size:14px;font-weight:500;}
  .nav-right{display:flex;align-items:center;gap:16px;}
  .search-box{display:none;align-items:center;background:var(--bg-soft);border-radius:8px;padding:4px 4px 4px 14px;gap:8px;width:330px;}
  .search-box input{border:none;background:transparent;outline:none;font-size:13.5px;width:100%;}
  .search-box button{
    width:34px;height:34px;border-radius:6px;background:var(--blue);border:none;color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;cursor:pointer;
  }
  .mobile-logo{display:none;}
  header.main.scrolled .mobile-logo{display:flex;opacity:0;animation:logoFadeIn .35s ease .05s forwards;}
  @keyframes logoFadeIn{from{opacity:0;transform:translateX(-6px);}to{opacity:1;transform:translateX(0);}}
  .hamburger{display:none;flex-direction:column;gap:5px;width:30px;cursor:pointer;background:none;border:none;padding:6px;}
  .hamburger span{display:block;height:2.5px;background:var(--navy);border-radius:2px;transition:.3s;}
  .hamburger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg);}
  .hamburger.open span:nth-child(2){opacity:0;}
  .hamburger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg);}

  /* mobile drawer */
  .mobile-drawer{
    position:fixed;top:0;right:0;width:300px;max-width:85vw;height:100%;background:#fff;z-index:1200;
    box-shadow:-8px 0 30px rgba(0,0,0,.15);transition:transform .35s ease;padding:26px 22px;overflow-y:auto;
    transform:translateX(calc(100% + 20px));
  }
  .mobile-drawer.open{transform:translateX(-20px);}
  .mobile-drawer .close-drawer{background:none;border:none;font-size:32px;float:right;cursor:pointer;color:var(--navy);margin-top:-20px;}
  .mobile-drawer nav ul{margin:0px;display:flex;flex-direction:column;gap:6px;}
  .mobile-drawer nav a{display:block;padding:12px 6px;font-weight:600;font-size:16px;border-bottom:1px solid #eef1f5;color:var(--navy);}
  .mobile-drawer .btn{width:100%;text-align:center;margin-top:24px;}
  .overlay{position:fixed;inset:0;background:rgba(9,20,35,.5);z-index:1100;opacity:0;pointer-events:none;transition:.3s;}
  .overlay.open{opacity:1;pointer-events:auto;}
  /* ===== HERO ===== */
  .hero{position:relative;width:100%;min-height:520px;padding:0;overflow:hidden;background:linear-gradient(115deg, #003e8f 0%, #00499e 18%, #0067b3 55%, #0084c6 100%);display:flex;align-items:stretch;}
  /* subtle diagonal facet overlays across the whole background */
  .hero::before{content:"";position:absolute;inset:0;background:
  linear-gradient(100deg, transparent 0%, transparent 56%, rgba(255,255,255,0.05) 56%, rgba(255,255,255,0.05) 62%, transparent 62%),
  linear-gradient(100deg, transparent 0%, transparent 66%, rgba(0,0,0,0.06) 66%, rgba(0,0,0,0.06) 70%, transparent 70%);pointer-events:none;}
/* dotted grid decoration */
  .dots{position:absolute;top:0;left:41.5%;width:150px;height:260px;background-image: radial-gradient(rgba(255,255,255,0.55) 1.6px, transparent 1.6px);
    background-size: 16px 16px;-webkit-mask-image: linear-gradient(135deg, black 40%, transparent 85%);mask-image: linear-gradient(135deg, black 40%, transparent 85%);z-index: 2;opacity: 0.9;}

  .content {
    position: relative;
    z-index: 3;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 60px 40px 60px 80px;
    width: 50%;
    min-width: 320px;
  }

  .badge {
    display: inline-flex;
    align-items: center;
    background: #ffffff;
    color: #0a2f5c;
    font-size: 15px;
    font-weight: 500;
    padding: 12px 22px;
    border-radius: 999px;
    width: fit-content;
    margin-bottom: 28px;
    box-shadow: 0 6px 16px rgba(0,20,50,0.18);
    letter-spacing: 0.2px;
  }

  h1 {font-size:39px;line-height:1.15;font-weight:500;color:#ffffff;margin-bottom:22px;letter-spacing:0.2px;}
  h1 strong {display:block;font-weight:800;font-size:42px;}
  .hero p {color:rgba(255,255,255,0.88);font-size:16px;line-height:1.6;max-width:420px;margin-bottom:20px;font-weight:400;}

  .cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #0c2139;
    color: #ffffff;
    font-size: 16px;
    font-weight: 600;
    padding: 18px 34px;
    border-radius: 8px;
    width: fit-content;
    text-decoration: none;
    box-shadow: 0 10px 24px rgba(0,10,30,0.35);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    border: none;
    cursor: pointer;
  }

  .cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 30px rgba(0,10,30,0.45);
  }

  .photo-wrap {
    position: relative;
    width: 50%;
    min-height:auto;
    overflow: hidden;
  }

  .photo-wrap img {
    position: absolute;
    top: 0;
    right: 0;
    height: 100%;
    width: auto;
    max-width: 100%;
    object-fit: cover;
    clip-path: polygon(30% 0%, 100% 0%, 100% 100%, 12% 100%);
    display: block;
  }


  .feature-list {
    list-style: none;
    padding: 0;
    margin-bottom:20px;
    display: flex;
    flex-direction: row;
    justify-content: space-between;
    gap: 16px;
  }
  .feature-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 500;
    color: #ffffff;
  }
  .feature-list li svg {
    flex-shrink: 0;
  }


  /* faint diagonal facet strip echoing the reference over the photo */
  .facet {
    position: absolute;
    top: 0;
    height: 100%;
    width: 90px;
    background: rgba(255,255,255,0.12);
    clip-path: polygon(35% 0, 55% 0, 30% 100%, 10% 100%);
    left: 28%;
    z-index: 4;
  }

  /* ===== FEATURE ICON STRIP ===== */
  .feature-strip{margin-top:0px;position:relative;z-index:5;}
  .feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:0px;}
  .feature-card{
    background:#fff;border-radius:var(--radius);padding:30px 28px 28px;box-shadow:var(--shadow);
    border:1px solid #eef1f5;display:flex;flex-direction:column;align-items:flex-start;transition:.25s;
  }
  .feature-card:hover{transform:translateY(-6px);}
  .feature-top{display:flex;align-items:flex-end;justify-content:space-between;width:100%;margin-bottom:22px;margin-top:-30px;}
  .feature-icon{
    width:78px;height:96px;flex-shrink:0;color:#fff;
    background:linear-gradient(160deg,var(--blue),#003f75);
    display:flex;align-items:center;justify-content:center;
    border-radius:18px 18px 100px 100px;
    box-shadow:0 12px 22px -6px rgba(0,105,182,.45);
    padding-bottom:8px;
  }
  .feature-icon svg{width:27px;height:27px;}
  .dot-pattern{
    width:96px;height:70px;flex-shrink:0;margin-left:14px;align-self:flex-start;
    background-image:radial-gradient(circle, #cfe3f5 1.4px, transparent 1.4px);
    background-size:10px 10px;
    -webkit-mask-image:linear-gradient(to right, transparent, #000 35%);
    mask-image:linear-gradient(to right, transparent, #000 35%);
  }
  .feature-card h4{font-size:18px;margin-bottom:8px;color:var(--navy);}
  .feature-card p{font-size:14.5px;color:var(--muted);line-height:1.65;}

  /* ===== COMPANY INTRO ===== */
  .intro{padding-top:80px;position:relative;overflow:hidden;}
  .intro::before{
    content:'';position:absolute;top:60px;right:-60px;width:220px;height:220px;
    background-image:radial-gradient(rgba(0,105,182,.18) 1.6px,transparent 1.6px);
    background-size:16px 16px;pointer-events:none;
    -webkit-mask-image:radial-gradient(circle,black 40%,transparent 80%);
    mask-image:radial-gradient(circle,black 40%,transparent 80%);
  }
  .intro::after{
    content:'';position:absolute;bottom:-140px;left:-140px;width:340px;height:340px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,145,214,.10),transparent 70%);pointer-events:none;
  }
  .intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:flex-start;}
  .intro-photo{position:relative;}
  .intro-photo img{border-radius:var(--radius);width:100%;}
  .award-badge{
    position:absolute;left:-22px;bottom:-22px;
    background:linear-gradient(135deg,var(--blue) 0%,var(--blue-light) 100%);
    color:#fff;border-radius:14px;
    padding:14px 20px 14px 14px;box-shadow:0 14px 30px -8px rgba(0,105,182,.55);
    display:flex;align-items:center;gap:14px;
  }
  .award-badge::before{
    content:'';position:absolute;inset:5px;border:1.5px dashed rgba(255,255,255,.55);border-radius:9px;pointer-events:none;
  }
  .award-badge .icon{
    width:44px;height:44px;flex:0 0 44px;border-radius:50%;background:rgba(255,255,255,.18);
    display:flex;align-items:center;justify-content:center;font-size:19px;color:#fff;position:relative;z-index:1;
  }
  .award-badge .txt{position:relative;z-index:1;}
  .award-badge .num{display:block;font-size:24px;font-weight:800;color:#fff;line-height:1.1;}
  .award-badge span{font-size:13px;color:#eaf3fb;font-weight:600;line-height:1.3;}
  .intro-copy h2{font-size:32px;font-weight:700;color:var(--navy);margin-bottom:16px;line-height:1.3;}
  .intro-copy h2 span{color:var(--blue);}
  .intro-copy p{color:var(--muted);margin-bottom:15px;font-size:14.5px;}
  .certified-box{
    display:flex;gap:16px;align-items:flex-start;background:var(--bg-soft);border-radius:12px;padding:20px;margin-bottom:26px;
  }
  .certified-box .ic{width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
  .certified-box h5{font-size:15.5px;color:var(--navy);margin-bottom:4px;}
  .certified-box p{font-size:14.5px;margin:0;color:var(--muted);}

  /* ===== LOAN SERVICES ===== */
  .services{background:var(--blue);color:#fff;position:relative;overflow:hidden;}
  .services::after{
    content:"";position:absolute;inset:0;
    background-image:repeating-linear-gradient(-45deg, rgba(255,255,255,.04) 0 2px, transparent 2px 30px);
  }
  .services .section-head p{color:#dcecfa;}
  .services .section-head h2{color:#fff;}
  .services-inner{position:relative;z-index:2;}
  .services-top{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:18px;margin-bottom:15px;}
  .services-top .loc{font-size:13.5px;color:#dcecfa;display:flex;align-items:center;gap:8px;}
  .service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
  .service-card{background:#fff;border-radius:var(--radius);overflow:hidden;color:var(--text);transition:.25s;}
  .service-card:hover{transform:translateY(-8px);box-shadow:0 16px 34px rgba(0,0,0,.18);}
  .service-card img{height:170px;width:100%;object-fit:cover;}
  .service-card .sc-body{padding:22px;position:relative;}
  .service-card .sc-icon{
    width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;
    position:absolute;top:-22px;right:22px;box-shadow:0 6px 16px rgba(0,105,182,.4);
  }
  .service-card h4{font-size:18px;margin-bottom:8px;color:var(--navy);}
  .service-card p{font-size:14.5px;color:var(--muted);}
  .dots{display:flex;justify-content:center;gap:8px;margin-top:34px;}
  .dots span{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.35);}
  .dots span.active{background:#fff;width:22px;border-radius:5px;}

  /* ===== CUSTOMIZE PLAN (connected) ===== */
  .plan-section{background:var(--bg-soft);position:relative;overflow:hidden;}
  .plan-section::before{
    content:'';position:absolute;top:-100px;right:-100px;width:300px;height:300px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,105,182,.10),transparent 70%);pointer-events:none;
  }
  .plan-section::after{
    content:'';position:absolute;bottom:40px;left:-50px;width:180px;height:180px;
    background-image:radial-gradient(rgba(13,42,74,.14) 1.6px,transparent 1.6px);
    background-size:15px 15px;pointer-events:none;
    -webkit-mask-image:radial-gradient(circle,black 35%,transparent 80%);
    mask-image:radial-gradient(circle,black 35%,transparent 80%);
  }
  .plan-card{
    background:#fff;border-radius:20px;box-shadow:var(--shadow);padding:44px;position:relative;
  }
  .plan-inner{display:grid;grid-template-columns:1fr auto 1fr;gap:0;align-items:center;}
  .plan-left h3{font-size:22px;color:var(--navy);margin-bottom:6px;}
  .plan-left > p{color:var(--muted);font-size:14.5px;margin-bottom:28px;}
  .slider-group{margin-bottom:26px;}
  .slider-group .row-label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;color:var(--navy);margin-bottom:10px;}
  .slider-group .row-label .val{color:var(--blue);font-weight:700;}
  input[type=range]{
    -webkit-appearance:none;width:100%;height:6px;border-radius:4px;background:#e3ebf3;outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--blue);
    box-shadow:0 4px 10px rgba(0,105,182,.45);cursor:pointer;border:3px solid #fff;
  }
  input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--blue);border:3px solid #fff;cursor:pointer;}
  .plan-note{font-size:11.5px;color:#9aa7b8;margin-top:10px;}

  .plan-connector{
    display:flex;flex-direction:column;align-items:center;justify-content:center;padding:0 30px;position:relative;height:100%;
  }
  .plan-connector .line{width:2px;flex:1;background:repeating-linear-gradient(to bottom, var(--blue) 0 6px, transparent 6px 12px);min-height:120px;}
  .plan-connector .node{
    width:46px;height:46px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;
    box-shadow:0 8px 20px rgba(0,105,182,.4);flex-shrink:0;margin:10px 0;
  }
  .plan-connector .node svg{width:20px;height:20px;}

  .plan-right{
    background:var(--navy);border-radius:16px;padding:34px;color:#fff;position:relative;overflow:hidden;
  }
  .plan-right::before{
    content:"";position:absolute;inset:0;background:radial-gradient(circle at 90% 0%, rgba(255,255,255,.06), transparent 60%);
  }
  .plan-right .eyebrow{position:relative;z-index:2;}
  .emi-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;position:relative;z-index:2;}
  .emi-row span{color:#a9bdd3;font-size:13.5px;}
  .emi-row b{font-size:26px;color:var(--blue-light);}
  .plan-stats{display:flex;flex-direction:column;gap:14px;margin-bottom:26px;position:relative;z-index:2;}
  .plan-stats .stat-row{display:flex;justify-content:space-between;font-size:13.5px;border-bottom:1px solid rgba(255,255,255,.08);padding-bottom:12px;color:#cfe0f0;}
  .plan-stats .stat-row b{color:#fff;}
  .plan-right .btn{width:100%;text-align:center;position:relative;z-index:2;}
  .plan-right .btn-light{width:100%;text-align:center;position:relative;z-index:2;}

  /* ===== DREAMS / STATS ===== */
  .dreams{background:var(--navy);color:#fff;overflow:hidden;position:relative;}
  .dreams::before{
    content:'';position:absolute;top:-160px;right:-100px;width:400px;height:400px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,145,214,.16),transparent 70%);pointer-events:none;
  }
  .dreams::after{
    content:'';position:absolute;bottom:20px;right:8%;width:170px;height:170px;
    background-image:radial-gradient(rgba(255,255,255,.12) 1.6px,transparent 1.6px);
    background-size:16px 16px;pointer-events:none;
    -webkit-mask-image:radial-gradient(circle,black 35%,transparent 80%);
    mask-image:radial-gradient(circle,black 35%,transparent 80%);
  }
  .dreams-grid{display:grid;grid-template-columns:none;gap:0px;align-items:center;}
  .dreams-photo{position:relative;display:flex;justify-content:center;}
  .dreams-photo .ring{
    position:absolute;width:320px;height:320px;border:1px solid rgba(255,255,255,.15);border-radius:50%;
  }
  .dreams-photo img{width:100%;height:100%;object-fit:cover;border-radius:50%;border:8px solid rgba(255,255,255,.08);position:relative;z-index:2;}
  .dreams-copy h2{font-size:30px;font-weight:700;margin-bottom:16px;line-height:1.3;}
  .dreams-copy p{color:#b7c8db;font-size:14.5px;margin-bottom:15px;max-width:1180px;}
  .dreams-stats{display: grid;
    gap: 20px;    
    width: 100%;
    margin-top: 20px;
    grid-auto-flow: column;}
  .stat-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:22px 30px;}
  .stat-box .n{font-size:16px;font-weight:700;color:var(--blue-light);}
  .stat-box .l{font-size:13px;color:#b7c8db;margin-top:4px;}

  /* ===== WHY CHOOSE US ===== */
  .why{background:var(--bg-soft);position:relative;overflow:hidden;}
  .why::before{
    content:'';position:absolute;top:-120px;left:50%;transform:translateX(-50%);width:500px;height:280px;border-radius:50%;
    background:radial-gradient(ellipse,rgba(0,105,182,.08),transparent 70%);pointer-events:none;
  }
  .why-card{ background: url("../image/progress-bg-1-1.webp") repeat-x;
    border-radius:20px;box-shadow:var(--shadow);display:grid;grid-template-columns:1.8fr .9fr;overflow:hidden;
  }
  .why-copy{padding:50px;}
  .why-copy h2{font-size:25px;color:var(--navy);margin-bottom:14px;}
  .why-copy p{color:var(--muted);font-size:14.5px;margin-bottom:15px;max-width:1180px;}
  .ring-grid{display:flex;flex-wrap:wrap;gap:26px;}
  .ring{width:88px;height:88px;border-radius:50%;display:flex;align-items:center;justify-content:center;position:relative;flex-shrink:0;}
  .ring svg{position:absolute;inset:0;transform:rotate(-90deg);}
  .ring circle{fill:none;stroke-width:5;}
  .ring .bg{stroke:#e6edf5;}
  .ring .fg{stroke:var(--blue);stroke-linecap:round;transition:stroke-dashoffset 1.4s cubic-bezier(.22,.9,.32,1);}
  .ring b{font-size:16px;color:var(--navy);position:relative;z-index:2;}
  .ring-item{display:flex;flex-direction:column;align-items:center;gap:10px;width:130px;}
  .ring-item span{font-size:12.5px;color:var(--muted);text-align:center;}
  .why-photo{position:relative;background:#e9eef4;}
  .why-photo img{width:100%;height:100%;object-fit:cover;}

  /* ===== TESTIMONIALS (scrollable) ===== */
  .testi{background:#fff;text-align:center;position:relative;overflow:hidden;}

  /* concentric ring decorations, left opens right / right opens left */
  .ring-decor{position:absolute;top:50%;width:0;height:0;pointer-events:none;z-index:0;}
  .ring-decor span{
    position:absolute;top:0;border:1.5px solid rgba(0,105,182,.35);border-radius:50%;
  }
  .ring-decor.left{left:0;}
  .ring-decor.left span{left:0;transform:translate(-50%,-50%);}
  .ring-decor.right{right:0;}
  .ring-decor.right span{right:0;transform:translate(50%,-50%);}
  .ring-decor span:nth-child(1){width:640px;height:640px;opacity:.9;}
  .ring-decor span:nth-child(2){width:530px;height:530px;opacity:.75;}
  .ring-decor span:nth-child(3){width:420px;height:420px;opacity:.6;}
  .ring-decor span:nth-child(4){width:310px;height:310px;opacity:.45;}
  .ring-decor span:nth-child(5){width:200px;height:200px;opacity:.3;}

  .testi .container{position:relative;z-index:2;}
  .testi-carousel{display:flex;align-items:center;justify-content:center;gap:20px;margin-top:10px;}
  .testi-arrow{
    width:46px;height:46px;flex:0 0 46px;border-radius:50%;border:none;background:var(--bg-soft);cursor:pointer;
    display:flex;align-items:center;justify-content:center;color:var(--navy);transition:.2s;font-size:14px;position:relative;z-index:3;
  }
  .testi-arrow:hover{background:var(--blue);color:#fff;}
  .testi-avatars{display:flex;align-items:center;justify-content:center;gap:0;}
  .testi-avatars img{border-radius:50%;object-fit:cover;transition:.35s ease;}
  .testi-avatars img.av-small{width:66px;height:66px;opacity:.85;filter:saturate(1.1);}
  .testi-avatars img.av-large{width:150px;height:150px;border:5px solid #fff;box-shadow:0 20px 40px -12px rgba(13,42,74,.35);z-index:2;position:relative;}
  .testi-dotline{width:70px;height:1px;border-top:1.5px dashed #c7d3e2;position:relative;}
  .testi-dotline::before{
    content:'';position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:14px;height:14px;
    border:1.5px dashed var(--blue);border-radius:50%;background:#fff;
  }
  .testi-info{margin-top:26px;max-width:600px;margin-left:auto;margin-right:auto;}
  .testi-info h4{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:14px;}
  .testi-info p{color:var(--muted);font-style:italic;font-size:14.5px;line-height:1.8;margin-bottom:16px;}
  .stars{color:#f5a623;font-size:16px;letter-spacing:3px;}

  /* ===== HOW IT WORKS ===== */
  .how{background:var(--bg-soft);position:relative;overflow:hidden;}
  .how::before{
    content:'';position:absolute;top:-90px;left:-90px;width:260px;height:260px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,105,182,.08),transparent 70%);pointer-events:none;
  }
  .how::after{
    content:'';position:absolute;top:0;right:6%;width:170px;height:110px;
    background-image:radial-gradient(rgba(13,42,74,.16) 1.6px,transparent 1.6px);
    background-size:15px 15px;pointer-events:none;
  }
  .how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-bottom:44px;position:relative;}
  .how-connector{position:absolute;top:0;left:0;width:100%;height:100%;pointer-events:none;z-index:0;overflow:visible;}
  .how-card{
    background:#fff;border-radius:var(--radius);padding:30px 24px;box-shadow:var(--shadow);
    position:relative;text-align:left;z-index:1;overflow:none;
  }
  .how-card:nth-child(2),.how-card:nth-child(4){margin-top:64px;}
  .how-icon{
    width:auto;height:auto;background:none;color:var(--blue);display:flex;align-items:flex-start;
    justify-content:flex-start;margin-bottom:20px;position:relative;
  }
  .how-icon svg{width:38px;height:38px;position:relative;z-index:1;}
  .how-icon::after{
    content:'';position:absolute;top:-10px;left:-10px;width:60px;height:60px;
    background:var(--bg-soft);border-radius:50%;z-index:0;opacity:.9;
  }
  .how-step{
    position:absolute;top:-18px;right:-14px;width:42px;height:42px;border-radius:50%;background:var(--blue);
    color:#fff;font-size:16px;font-weight:700;display:flex;align-items:center;justify-content:center;
    box-shadow:0 10px 22px -6px rgba(0,105,182,.55);z-index:2;
  }
  .how-card h4{font-size:18px;color:var(--navy);margin-bottom:8px;font-weight:700;}
  .how-card p{font-size:14.5px;color:var(--muted);}
  .how-cta{text-align:center;position:relative;z-index:1;}

  /* ===== BLOG ===== */
  .blog{background:var(--navy);color:#fff;position:relative;overflow:hidden;}
  .blog::before{
    content:'';position:absolute;top:-140px;left:-80px;width:340px;height:340px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,145,214,.16),transparent 70%);pointer-events:none;
  }
  .blog::after{
    content:'';position:absolute;top:30px;right:6%;width:100%;height:100%;
    background-image:radial-gradient(rgba(255,255,255,.12) 1.6px,transparent 1.6px);
    background-size:16px 16px;pointer-events:none;
    -webkit-mask-image:radial-gradient(circle,black 35%,transparent 80%);
    mask-image:radial-gradient(circle,black 35%,transparent 80%);
  }
  .blog .container{position:relative;z-index:2;}
  .blog .section-head h2{color:#fff;}
  .blog .section-head p{color:#b7c8db;}
  .blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
  .blog-card{background:#fff;border-radius:var(--radius);overflow:hidden;color:var(--text);}
  .blog-card .thumb{position:relative;}
  .blog-card .thumb img{height:190px;width:100%;object-fit:cover;}
  .blog-tag{position:absolute;top:14px;left:14px;background:var(--blue);color:#fff;font-size:11.5px;font-weight:600;padding:5px 12px;border-radius:20px;}
  .blog-body{padding:22px;}
  .blog-meta{display:flex;gap:16px;font-size:12px;color:var(--muted);margin-bottom:12px;}
  .blog-body h4{font-size:18px;color:var(--navy);margin-bottom:10px;line-height:1.4;}
  .blog-body p{font-size:14.5px;color:var(--muted);margin-bottom:16px;}
  /* .read-more{font-size:13px;font-weight:600;color:var(--blue);display:inline-flex;margin-top:15px;align-items:center;gap:6px;} */

  .read-more{ font-size:13.5px; margin-top: 20px; font-weight:700; color:var(--blg-blue) !important; display:inline-flex; align-items:center; gap:6px; }
  .read-more i{ font-size:11px; transition:transform .2s ease; }
  .read-more:hover i{ transform:translateX(4px); }

  /* ===== JOIN COMMUNITY ===== */
  .join{
    position:relative;
    background:
      linear-gradient(120deg, rgba(0,62,143,.93), rgba(0,145,214,.90)),
      url("../image/join2.webp") center/cover no-repeat;
  }
  .join-box{
    background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:50px;text-align:center;color:#fff;
  }
  .join-box h2{font-size:28px;margin-bottom:10px;}
  .join-box p{color:#eaf3fb;margin-bottom:28px;font-size:14.5px;}
  .join-form{display:flex;max-width:480px;margin:0 auto;gap:12px;flex-wrap:wrap;justify-content:center;}
  .join-form input{
    flex:1;min-width:220px;padding:14px 18px;border-radius:8px;border:none;outline:none;font-size:14px;
  }
  .join-form button{padding:14px 26px;border-radius:8px;border:none;background:var(--navy);color:#fff;font-weight:600;cursor:pointer;}
  .join-form button:hover{background:#071a2f;}

  /* ===== FOOTER ===== */
  footer{
    position:relative;background:linear-gradient(180deg,var(--footer) 0%,#061A30 100%);color:#a9bccf;padding-top:40px;overflow:hidden;
  }
  footer::before{
    content:'';position:absolute;top:0;left:0;right:0;height:1px;
    background:linear-gradient(90deg,transparent,rgba(0,145,214,.6),transparent);
  }
  footer::after{
    content:'';position:absolute;top:-160px;right:-120px;width:380px;height:380px;border-radius:50%;
    background:radial-gradient(circle,rgba(0,145,214,.18),transparent 70%);pointer-events:none;
  }
  footer .container{position:relative;z-index:2;}
  .foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.08);}
  .foot-logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:20px;margin-bottom:18px;}
  .foot-logo .mark{width:34px;height:34px;border-radius:9px;background:var(--blue);display:flex;align-items:center;justify-content:center;}
  footer p{font-size:14.5px;line-height:1.75;margin-bottom:20px;color:#8fa2b8;}
  .foot-hours{display:flex;gap:12px;align-items:center;font-size:13px;color:#c5d3e2;}
  .foot-hours .ic{width:34px;height:34px;flex:0 0 34px;border-radius:50%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:var(--blue-light);font-size:13px;}
  footer h5{color:#fff;font-size:18px;font-weight:600;margin-bottom:22px;position:relative;padding-bottom:12px;letter-spacing:.3px;}
  footer h5::after{content:'';position:absolute;left:0;bottom:0;width:28px;height:2px;background:var(--blue-light);border-radius:2px;}
  footer ul li{margin-bottom:0px;font-size:13.5px;}
  footer ul li a{display:inline-flex;align-items:center;gap:8px;color:#93a5ba;transition:.25s ease;}
  footer ul li a::before{content:'';width:5px;height:5px;border-radius:50%;background:var(--blue-light);opacity:0;transform:scale(0);transition:.25s ease;}
  footer ul li a:hover{color:#fff;transform:translateX(3px);}
  footer ul li a:hover::before{opacity:1;transform:scale(1);}
  .foot-contact li{display:flex;gap:12px;align-items:center;font-size:13.5px;color:#c5d3e2;margin-bottom:16px;}
  .foot-contact li .ic{width:34px;height:34px;flex:0 0 34px;border-radius:50%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:var(--blue-light);font-size:13px;margin-top:1px;}
  .insta-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;}
  .insta-grid a{position:relative;display:block;border-radius:8px;overflow:hidden;}
  .insta-grid a::after{content:'\f16d';font-weight:900;position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;background:rgba(0,105,182,.75);opacity:0;transition:.25s ease;}
  .insta-grid a:hover::after{opacity:1;}
  .insta-grid img{border-radius:8px;aspect-ratio:1/1;object-fit:cover;transition:.3s ease;}
  .foot-social{display:flex;gap:10px;margin-top:22px;}
  .foot-social a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);color:#c5d3e2;display:flex;align-items:center;justify-content:center;font-size:13.5px;transition:.25s ease;}
  .foot-social a:hover{background:var(--blue);border-color:var(--blue);color:#fff;transform:translateY(-3px);}
  .foot-bottom{display:flex;justify-content:center;align-items:center;padding:10px 0;font-size:13px;flex-wrap:wrap;gap:10px;color:#7c8ea3; background: var(--navy);}
  .foot-bottom a{color:#7c8ea3;}
  .foot-bottom a:hover{color:#fff;}
  .foot-legal{display:flex;gap:22px;flex-wrap:wrap;}
  .to-top{width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff!important;display:flex;align-items:center;justify-content:center;transition:opacity .3s ease,transform .3s ease,background .25s ease;
  position:fixed;right:20px;bottom:20px;z-index:500;opacity:0;transform:translateY(16px);pointer-events:none;}
  .to-top.show{opacity:1;transform:translateY(0);pointer-events:auto;}
  .to-top:hover{background:var(--blue-light);transform:translateY(-3px);}

  /* ================= RESPONSIVE ================= */
  @media (min-width:900px){
    .search-box{display:flex;}
  }
  @media (max-width:900px){
    nav.primary-nav{display:none;}
    .hamburger{display:flex;}
    .hero { flex-direction: column; min-height: 0; }
    .content { width: 100%; padding: 56px 28px 40px; }
    .photo-wrap {width:100%;min-height:auto;height:auto;order:-1;}
    .photo-wrap img { clip-path: none; right: auto; left: 50%; top: 50%; transform: translate(-50%,-50%); height: 100%; width: 100%; object-fit: cover; object-position: 65% 20%; }
    .facet { display: none; }
    .dots { display: none; }
    h1, h1 strong { font-size: 34px; }
    .hero p { max-width: 100%; }
    .feature-grid{grid-template-columns:1fr;}
    .intro-grid{grid-template-columns:1fr;}
    .intro{padding-top:60px;}
    .service-grid{grid-template-columns:repeat(2,1fr);}
    .plan-inner{grid-template-columns:1fr;}
    .plan-connector{flex-direction:row;padding:20px 0;}
    .plan-connector .line{width:100%;height:2px;background:repeating-linear-gradient(to right, var(--blue) 0 6px, transparent 6px 12px);min-height:0;min-width:40px;}
    .dreams-grid{grid-template-columns:none;text-align:center;}
    .dreams-copy p{margin-left:auto;margin-right:auto;font-size:14.5px;}
    .dreams-stats{justify-content:center;}
    .why-card{grid-template-columns:1fr;}
    .why-photo{min-height:260px;}
    .how-grid{grid-template-columns:repeat(2,1fr);}
    .how-card:nth-child(2),.how-card:nth-child(4){margin-top:0;}
    .how-connector{display:none;}
    .ring-decor span:nth-child(1){width:420px;height:420px;}
    .ring-decor span:nth-child(2){width:350px;height:350px;}
    .ring-decor span:nth-child(3){width:280px;height:280px;}
    .ring-decor span:nth-child(4){width:210px;height:210px;}
    .ring-decor span:nth-child(5){width:140px;height:140px;}
    .testi-dotline{width:28px;}
    .testi-avatars img.av-small{width:50px;height:50px;}
    .testi-avatars img.av-large{width:110px;height:110px;}
    .blog-grid{grid-template-columns:1fr;}
    .foot-grid{grid-template-columns:1fr 1fr;}
    .info-col:nth-child(3),
    .info-col:nth-child(4){display:none;}
    .info-col:nth-child(2){border-left:none;}
    .info-row .container{justify-content:space-between;}
  }
  @media (max-width:520px){
    .info-row{display:none;}
    .mobile-logo{display:flex;}
  }
  @media (max-width:560px){
    .content{padding:44px 20px 34px;}
    .badge{font-size:13px;padding:10px 16px;text-align:center;}
    h1, h1 strong{font-size:28px;}
    .hero p{font-size:14.5px;}
    .cta{width:100%;padding:16px 20px;}
    .photo-wrap{min-height:auto;height:auto;}
    .section-head h2{font-size:26px;}
    .service-grid{grid-template-columns:1fr;}
    .how-grid{grid-template-columns:1fr;}
    .testi-carousel{gap:8px;}
    .testi-arrow{width:38px;height:38px;flex:0 0 38px;font-size:12px;}
    .testi-dotline{width:16px;}
    .testi-avatars img.av-small{width:40px;height:40px;}
    .testi-avatars img.av-large{width:88px;height:88px;}
    .ring-decor span:nth-child(1){width:280px;height:280px;}
    .ring-decor span:nth-child(2){width:230px;height:230px;}
    .ring-decor span:nth-child(3){width:180px;height:180px;}
    .ring-decor span:nth-child(4){width:130px;height:130px;}
    .ring-decor span:nth-child(5){width:90px;height:90px;}
    .foot-grid{grid-template-columns:1fr;}
    .plan-card{padding:26px;}
    .why-copy{padding:30px;}
    section{padding:56px 0;}
    .join-box{padding:30px;}
  }
  /* ===== SCROLL REVEAL ANIMATIONS ===== */
  .reveal{opacity:0;transform:translateY(40px);transition:opacity .8s ease, transform .8s cubic-bezier(.22,.9,.32,1);}
  .reveal.in-view{opacity:1;transform:translateY(0);}
  .reveal-left{opacity:0;transform:translateX(-50px);transition:opacity .8s ease, transform .8s cubic-bezier(.22,.9,.32,1);}
  .reveal-left.in-view{opacity:1;transform:translateX(0);}
  .reveal-right{opacity:0;transform:translateX(50px);transition:opacity .8s ease, transform .8s cubic-bezier(.22,.9,.32,1);}
  .reveal-right.in-view{opacity:1;transform:translateX(0);}
  .reveal-zoom{opacity:0;transform:scale(.9);transition:opacity .7s ease, transform .7s cubic-bezier(.22,.9,.32,1);}
  .reveal-zoom.in-view{opacity:1;transform:scale(1);}
  .reveal-delay-1.in-view{transition-delay:.12s;}
  .reveal-delay-2.in-view{transition-delay:.24s;}
  .reveal-delay-3.in-view{transition-delay:.36s;}
  .reveal-delay-4.in-view{transition-delay:.48s;}
  @keyframes floatY{0%,100%{transform:translateY(0);}50%{transform:translateY(-14px);}}
  @keyframes spinSlow{from{transform:rotate(0deg);}to{transform:rotate(360deg);}}
  @keyframes pulseGlow{0%,100%{opacity:.45;transform:scale(1);}50%{opacity:.85;transform:scale(1.08);}}
  @keyframes floatXY{0%,100%{transform:translate(0,0);}50%{transform:translate(10px,-16px);}}
  .hero-shape{position:absolute;border-radius:50%;pointer-events:none;z-index:1;}
  .hero-shape-1{width:90px;height:90px;top:14%;left:6%;background:rgba(255,255,255,.07);animation:floatY 5s ease-in-out infinite;}
  .hero-shape-2{width:46px;height:46px;bottom:14%;left:12%;background:rgba(255,255,255,.10);animation:floatXY 6.5s ease-in-out infinite;animation-delay:.6s;}
  .hero-shape-3{width:140px;height:140px;top:8%;right:4%;border:1.5px solid rgba(255,255,255,.16);background:transparent;animation:spinSlow 22s linear infinite;}
  .hero-shape-4{width:16px;height:16px;top:38%;left:2%;background:rgba(255,255,255,.5);animation:floatY 4s ease-in-out infinite;animation-delay:.3s;}
  .hero-glow{position:absolute;top:18%;right:8%;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(120,210,255,.35),transparent 70%);filter:blur(30px);pointer-events:none;z-index:1;animation:pulseGlow 4.5s ease-in-out infinite;}
  .hero .badge{animation:floatY 3.6s ease-in-out infinite;}
  @media (prefers-reduced-motion: reduce){
    .reveal,.reveal-left,.reveal-right,.reveal-zoom{opacity:1 !important;transform:none !important;transition:none !important;}
    *{animation:none !important;}
  }

 
     /* LANDING PAGE (landing_v1.html)*/


  .landing-page{
    --blue:#1663d8;
    --blue-dark:#0d4fb0;
    --blue-light:#e8f0fe;
    --navy:#2a2a60;
    --navy-2:#232252;
    --navy-3:#1c1b46;
    --teal:#1cc1d4;
    --teal-dark:#14a3b4;
    --teal-light:#e5fafc;
    --text-dark:#12142b;
    --text-gray:#6c7189;
    --text-gray-light:#9a9fb5;
    --light-bg:#f5f5f8;
    --white:#ffffff;
    --gold:#ffb400;
    --radius:16px;
    --shadow:0 20px 50px -20px rgba(18,20,50,.20);
    --transition:.4s cubic-bezier(.22,.9,.32,1);
  }

  .landing-page{

    color:var(--text-dark);
    background:var(--white);
    overflow-x:hidden;
    font-size:16px;
  }

  /* .landing-page button{font-family:inherit;} */
  .landing-page .container{width:min(1180px,92%);margin:0 auto;}
  .landing-page .btn-dark{background:var(--navy);color:#fff;}
  .landing-page .btn-dark:hover{background:var(--blue);transform:translateY(-3px);box-shadow:0 15px 30px -10px rgba(22,99,216,.6);}
  .landing-page .btn-blue{background:var(--blue);color:#fff;}
  .landing-page .btn-blue:hover{background:var(--blue-dark);transform:translateY(-3px);box-shadow:0 15px 30px -10px rgba(22,99,216,.6);}
  .landing-page .btn-outline{background:transparent;border:1.5px solid rgba(255,255,255,.5);color:#fff;}
  .landing-page .btn-outline:hover{background:#fff;color:var(--navy);}

  .landing-page .btn{display:inline-flex;align-items:center;gap:10px;padding:15px 30px;border-radius:50px;font-weight:600;font-size:14.5px;border:none;cursor:pointer;transition:var(--transition);white-space:nowrap;}
  .landing-page .btn-teal{background:var(--teal);color:#fff;}
  .landing-page .btn-teal:hover{background:var(--teal-dark);transform:translateY(-3px);box-shadow:0 15px 30px -10px rgba(28,193,212,.55);}
  .landing-page .btn-outline{background:transparent;border:1.5px solid rgba(255,255,255,.5);color:#fff;}
  .landing-page .btn-outline:hover{background:#1cc1d4;color:var(--navy);}
  .landing-page .btn-outline-dark{background:transparent;border:1.5px solid #dfe1ec;color:var(--text-dark);}
  .landing-page .btn-outline-dark:hover{background:var(--navy);border-color:var(--navy);color:#fff;}
  .landing-page .btn-segment{background:transparent;border:1.5px solid #dfe1ec;color:var(--text-dark) !important;padding:6px 8px 6px 28px;gap:16px;}
  .landing-page .btn-segment .btn-icon-circle{width:38px;height:38px;flex:0 0 38px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;transition:var(--transition);}
  .landing-page .btn-segment:hover{border-color:var(--navy);}
  .landing-page .btn-segment:hover .btn-icon-circle{background:var(--teal);}
  .landing-page .tagline{display:flex;align-items:center;gap:10px;background:none;background-image:none;padding:0;border-radius:0;box-shadow:none;color:var(--teal);font-weight:600;font-size:13px;letter-spacing:0px;text-transform:uppercase;margin-bottom:16px;}
  .landing-page .tagline::before{content:'';width:26px;height:2px;border-radius:0;background:var(--teal);display:inline-block;}
  .landing-page .tagline.center{justify-content:center;}
  .landing-page .section-head{max-width:1180px;margin-bottom:40px;}
  .landing-page .section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
  .landing-page .section-head.center .tagline{justify-content:center;}
  .landing-page .section-head h2{font-size:20px;font-weight:700;}
  .landing-page .section-head p{color:var(--text-gray);margin-top:14px;font-size:14.5px;line-height:1.75;}
  .landing-page .check-list{display:grid;grid-template-columns:1fr 1fr;gap:14px 20px;margin:12px 0;}
  .landing-page .check-list li{display:flex;align-items:center;gap:10px;font-size:14.5px;font-weight:400;color:var(--text-gray);}
  .landing-page .check-list li i{width:22px;height:22px;flex:0 0 22px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:10.5px;}

  /* ===== TOPBAR ===== */
  /* ===== HEADER ===== */
  /* ===== SEARCH PANEL ===== */
  .landing-page .search-highlight{outline:3px solid var(--blue);outline-offset:8px;border-radius:8px;transition:outline-color .4s ease;}
  /* ===== NAV DROPDOWN (Loans) ===== */
  /* ===== HERO ===== */
  .landing-page .hero{
    position:relative;overflow:hidden;padding:50px 0 50px;
    background-image: url('../image/main-slider-bg-1-1.webp');
    background-size:cover;background-position:right center;background-repeat:no-repeat;
  }
  .landing-page .hero::before{content:'';position:absolute;inset:0;background:linear-gradient(100deg,var(--navy) 15%,rgba(42,42,96,.92) 40%,rgba(42,42,96,.55) 62%,rgba(42,42,96,.25) 100%);}
  .landing-page .hero::after{content:'';position:absolute;right:-140px;top:-140px;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle at 30% 30%,rgba(28,193,212,.30),transparent 70%);filter:blur(10px);}
  .landing-page .hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;align-items:start;gap:20px;}
  .landing-page .hero-text{padding-top:10px;}
  .landing-page .hero-text .tagline{color:var(--teal);}
  .landing-page .hero-text h1{color:#fff;font-size:20px;font-weight:600;margin-bottom:22px;text-transform:uppercase;}
  .landing-page .hero-text p{color:#b7bfe0;font-size:14.5px;line-height:1.8;max-width:660px;margin-bottom:10px;}
  .landing-page .hero-btns{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px;}
  .landing-page .hero-calc-card{
    position:relative;z-index:3;background:#fff;border-radius:20px;padding:30px;box-shadow:0 40px 70px -25px rgba(10,15,40,.45);
    min-width:380px;margin-left:auto;
  }
  .landing-page .hero-calc-card h4{font-size:18px;font-weight:700;margin-bottom:20px;}
  .landing-page .hc-row{display:flex;justify-content:space-between;font-size:13px;font-weight:600;color:var(--text-gray);margin-bottom:8px;}
  .landing-page .hc-row span:last-child{color:var(--teal-dark);}
  .landing-page input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:4px;background:#e3e6f2;outline:none;margin-bottom:20px;}
  .landing-page input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--teal);cursor:pointer;border:3px solid #fff;box-shadow:0 4px 10px rgba(28,193,212,.5);}
  .landing-page input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--teal);cursor:pointer;border:3px solid #fff;box-shadow:0 4px 10px rgba(28,193,212,.5);}
  .landing-page .hc-summary{background:var(--light-bg);border-radius:14px;padding:16px 18px;margin:18px 0;}
  .landing-page .hc-summary .row{display:flex;justify-content:space-between;font-size:13.5px;padding:8px 0;color:var(--text-gray);border-bottom:1px dashed #dfe1ee;}
  .landing-page .hc-summary .row:last-child{border-bottom:none;}
  .landing-page .hc-summary .row b{color:var(--text-dark);font-size:13px;font-weight:400;}
  .landing-page .hero-calc-card .btn{width:100%;justify-content:center;}

  /* ===== WELCOME/ABOUT ===== */
  .landing-page .welcome{padding:50px 0 50px;}
  .landing-page .welcome .container{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center;}
  .landing-page .welcome-media{position:relative;}
  .landing-page .wm-grid{display:block;}
  .landing-page .wm-grid img{width:100%;object-fit:cover;box-shadow:var(--shadow);border-radius:63% 37% 30% 70% / 60% 35% 65% 40%;aspect-ratio:1/1;}
  .landing-page .wm-play{position:absolute;top:20px;left:70px;width:66px;height:66px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:20px;box-shadow:0 15px 30px -10px rgba(28,193,212,.6);cursor:pointer;}
  .landing-page .wm-play::before{content:'';position:absolute;inset:-10px;border-radius:50%;border:1.5px solid rgba(28,193,212,.5);animation:pulse 2.4s ease-out infinite;}
  @keyframes pulse{0%{transform:scale(.85);opacity:1;}100%{transform:scale(1.5);opacity:0;}}
  .landing-page .exp-badge{position:absolute;left:-26px;bottom:26px;background:var(--navy);color:#fff;padding:22px 26px;border-radius:16px;box-shadow:var(--shadow);text-align:center;}
  .landing-page .exp-badge .num{font-weight:800;font-size:30px;color:var(--teal);}
  .landing-page .exp-badge .lbl{font-size:11.5px;color:#b7bfe0;margin-top:4px;text-transform:uppercase;letter-spacing:.5px;}
  .landing-page .welcome-text > p{color:var(--text-gray);line-height:1.8;margin-bottom:6px;font-size:14.5px;}

  /* ===== LOANS WE OFFER (dark) ===== */
  .landing-page .loans-offer{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-3) 100%);padding:60px 0;position:relative;overflow:hidden;}
  .landing-page .loans-offer::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:26px 26px;opacity:.6;}
  .landing-page .loans-offer .container{position:relative;z-index:2;}
  .landing-page .loans-offer .section-head h2{color:#fff;}
  .landing-page .lo-grid{display:grid;grid-template-columns:1fr 1fr;gap:0px;align-items:center;border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:0px;background:rgba(255,255,255,.02);overflow:hidden;}
  .landing-page .lo-list li{border-bottom:1px solid rgba(255,255,255,.08);}
  .landing-page .lo-list a{display:flex;align-items:center;gap:18px;padding:7px 0px 7px 15px;color:#8b8fb8;font-weight:600;font-size:15px;transition:var(--transition);}
  .landing-page .lo-list a .lo-num{font-size:18px;font-weight:700;letter-spacing:1px;color:transparent;-webkit-text-stroke:1px rgba(255,255,255,.35);min-width:25px;transition:var(--transition);}
  .landing-page .lo-list li.active a .lo-num, .landing-page .lo-list a:hover .lo-num{color:#fff;-webkit-text-stroke:1px #fff;}
  .landing-page .lo-list a .lo-circle{margin-left:auto;width:38px;height:38px;flex:0 0 38px;margin-right:20px;border-radius:50%;border:1.5px solid rgba(255,255,255,.22);display:flex;align-items:center;justify-content:center;color:#8b8fb8;font-size:13px;transition:var(--transition);}
  .landing-page .lo-list li.active a, .landing-page .lo-list a:hover{color:#fff;}
  .landing-page .lo-list li.active a .lo-circle, .landing-page .lo-list a:hover .lo-circle{background:var(--teal);border-color:var(--teal);color:#fff;}
  .landing-page .lo-media img{transition:opacity .25s ease;}

  /* ===== FEATURES ===== */
  .landing-page .features{padding:60px 0;}
  .landing-page .features .container{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:flex-start;}
  .landing-page .features-media img{border-radius:22px;}
  .landing-page .feature-item{display:flex;gap:18px;margin-top:26px;padding:22px;border-radius:16px;transition:var(--transition);border:1px solid #eceef5;}
  .landing-page .feature-item:hover{box-shadow:var(--shadow);border-color:transparent;}
  .landing-page .feature-item .ico{width:52px;height:52px;flex:0 0 52px;border-radius:14px;background:var(--teal-light);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:20px;}
  .landing-page .feature-item h3{font-size:18px;font-weight:600;margin-bottom:6px;}
  .landing-page .feature-item p{font-size:14.5px;color:var(--text-gray);line-height:1.7;}

  /* ===== HOW IT WORKS ===== */
  .landing-page .steps{padding:60px 0;background:var(--light-bg);}
  .landing-page .step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;}
    .landing-page .step-grid-home{display:grid;grid-template-columns:repeat(3,1fr) !important;gap:30px;}
  .landing-page .step-item{background:#fff;border-radius:18px;padding:40px 22px 30px;text-align:center;position:relative;box-shadow:var(--shadow);}
  .landing-page .step-item:not(:last-child)::after{content:'';position:absolute;top:50px;left:100%;width:30px;height:1px;background:repeating-linear-gradient(90deg,#c9cee0 0 6px,transparent 6px 12px);z-index:1;}
  .landing-page .step-icon{width:64px;height:64px;border-radius:50%;background:var(--teal-light);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;margin:0 auto 22px;font-size:24px;}
  .landing-page .step-badge{position:absolute;top:-16px;left:50%;transform:translateX(-50%);width:40px;height:40px;border-radius:50%;background:var(--navy);color:transparent;-webkit-text-stroke:1px #fff;font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 20px -8px rgba(20,20,50,.5);letter-spacing:.5px;}
  .landing-page .step-item h3{font-size:18px;font-weight:600;margin-bottom:8px;}
  .landing-page .step-item p{font-size:14.5px;color:var(--text-gray);line-height:1.7;}

  /* ===== CORE VALUE (dark image bg) ===== */
  .landing-page .core-value{position:relative;padding:60px 0;background:linear-gradient(115deg,rgba(20,20,50,.94),rgba(20,20,50,.86)), url(../image/company-transparency-bg-1-1.webp) center/cover;color:#fff;}
  .landing-page .cv-tags{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 26px;}
  .landing-page .cv-tags span{padding:9px 18px;border-radius:50px;font-size:13px;font-weight:600;border:1px solid rgba(255,255,255,.25);color:#dfe3f5;}
  .landing-page .cv-tags span.on{background:var(--teal);border-color:var(--teal);color:#fff;}
  .landing-page .core-value h2{color:#fff;font-size:26px;max-width:860px;font-weight:600;}
  .landing-page .core-value p{color:#c3c8e2;max-width:860px;line-height:1.8;font-size:14.5px;margin:9px 0px;}
  .landing-page .cv-call{display:flex;align-items:center;gap:16px;margin-top:38px;}
  .landing-page .cv-call .ico{width:56px;height:56px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:20px;flex:0 0 56px;}
  .landing-page .cv-call .lbl{font-size:13px;color:#aeb4d4;}
  .landing-page .cv-call .num{font-weight:700;font-size:19px;}

  /* ===== FAQ ===== */
  .landing-page .faq{padding:60px 0;position:relative;overflow:hidden;}
  .landing-page .faq .container{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:flex-start;}
  .landing-page .faq-media{position:relative;}
  .landing-page .faq-media::before{content:'';position:absolute;inset:-30px -30px auto auto;width:280px;height:280px;background:
     linear-gradient(135deg,var(--teal-light) 25%,transparent 25%) -20px 0,
     linear-gradient(225deg,var(--teal-light) 25%,transparent 25%) -20px 0,
     linear-gradient(315deg,var(--teal-light) 25%,transparent 25%),
     linear-gradient(45deg,var(--teal-light) 25%,transparent 25%);
     background-size:40px 40px;z-index:0;opacity:.9;}
  .landing-page .faq-media img{border-radius:63% 37% 33% 67% / 58% 35% 65% 42%;position:relative;z-index:1;width:100%;aspect-ratio:1/1;object-fit:cover;box-shadow:var(--shadow);}
  .landing-page .accordion-item{border:1px solid #e7e9f2;border-radius:14px;margin-bottom:14px;overflow:hidden;}
  .landing-page .accordion-item.open{border-color:var(--teal);}
  .landing-page .accordion-head{display:flex;align-items:center;gap:14px;padding:18px 20px;cursor:pointer;font-weight:600;font-size:15px;}
  .landing-page .accordion-head .qicon{width:30px;height:30px;flex:0 0 30px;border-radius:8px;background:var(--teal-light);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:13px;transition:var(--transition);}
  .landing-page .accordion-item.open .accordion-head .qicon{background:var(--teal);color:#fff;transform:rotate(180deg);}
  .landing-page .accordion-body{max-height:0;overflow:hidden;transition:max-height .35s ease;}
  .landing-page .accordion-item.open .accordion-body{max-height:400px;}
  .landing-page .accordion-body p{padding:0 20px 20px 64px;font-size:14.5px;color:var(--text-gray);line-height:1.7;}

  /* ===== TESTIMONIALS (dark) ===== */
  .landing-page .testi{padding:60px 0;background: linear-gradient(100deg, var(--teal) 0%, var(--teal-dark) 100%);position:relative;overflow:hidden;color:#fff;}
  .landing-page .testi .container{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;}
  .landing-page .testi-quote i.fa-quote-left{font-size:32px;color:var(--white);margin-bottom:16px;}
  .landing-page .stars{color:var(--gold);font-size:14px;margin-bottom:16px;transition:opacity .25s ease;}
  .landing-page .testi-quote p{font-size:14.5px;line-height:1.8;font-weight:400;margin-bottom:26px;color:#eef0fa;transition:opacity .25s ease;}
  .landing-page .testi-name{transition:opacity .25s ease;}
  .landing-page .testi-name h4{font-size:18px;font-weight:600;color:#fff;}
  .landing-page .testi-name span{font-size:13.5px;color:var(--white);}
  .landing-page .testi-footer{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:26px;flex-wrap:wrap;}
  .landing-page .testi-avatars{display:flex;gap:16px;}
  .landing-page .testi-avatars img{width:46px;height:46px;border-radius:50%;object-fit:cover;opacity:.4;filter:grayscale(1);cursor:pointer;transition:var(--transition);}
  .landing-page .testi-avatars img.active{opacity:1;filter:grayscale(0);width:56px;height:56px;border:3px solid var(--teal);}
  .landing-page .testi-nav{display:flex;gap:12px;}
  .landing-page .testi-nav button{width:44px;height:44px;border-radius:50%;border:1.5px solid rgba(255,255,255,.22);background:transparent;color:#fff;cursor:pointer;font-size:14px;transition:var(--transition);}
  .landing-page .testi-nav button:hover{background:var(--teal);border-color:var(--teal);}
  .landing-page .stat-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
  .landing-page .stat-card{position:relative;border-radius:18px;overflow:hidden;height:150px;}
  .landing-page .stat-card:first-child{grid-column:1/3;height:120px;}
  .landing-page .stat-card img{width:100%;height:100%;object-fit:cover;}
  .landing-page .stat-card::after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(20,20,55,.85),rgba(20,20,55,.25));}
  .landing-page .stat-card .txt{position:absolute;left:18px;bottom:16px;z-index:2;}
  .landing-page .stat-card .n{font-weight:800;font-size:26px;color:var(--teal);}
  .landing-page .stat-card .l{font-size:12.5px;color:#e4e6f5;}

  /* ===== UNSECURED LOANS ===== */
  .landing-page .unsecured{padding:60px 0;background:var(--light-bg);}
  .landing-page .unsecured .container{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:flex-start;}
  .landing-page .un-media{position:relative;}
  .landing-page .un-media img{border-radius:22px;}
  .landing-page .un-badge{position:absolute;left:-24px;bottom:-24px;background:var(--navy);color:#fff;padding:26px 30px;border-radius:18px;text-align:center;box-shadow:var(--shadow);}
  .landing-page .un-badge i{font-size:26px;color:var(--teal);margin-bottom:8px;}
  .landing-page .un-badge span{display:block;font-size:12.5px;font-weight:600;line-height:1.4;}

  /* ===== BLOG ===== */
  .landing-page .blog{padding:60px 0;}
  .landing-page .blog-top{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:50px;flex-wrap:wrap;}
  .landing-page .blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
  .landing-page .blog-card{border-radius:18px;overflow:hidden;border:1px solid #eceef5;transition:var(--transition);}
  .landing-page .blog-card:hover{transform:translateY(-8px);box-shadow:var(--shadow);border-color:transparent;}
  .landing-page .blog-card .media{position:relative;height:200px;overflow:unset;}
  .landing-page .blog-card .media img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease;}
  .landing-page .blog-card:hover .media img{transform:scale(1.08);}
  .landing-page .blog-card .date{position:absolute;bottom:-18px;left:20px;background:var(--teal);color:#fff;font-size:12px;font-weight:700;padding:8px 14px;border-radius:10px;text-align:center;line-height:1.3;}
  .landing-page .blog-card .body{padding:34px 22px 26px;}
  .landing-page .meta{display:flex;gap:16px;font-size:12.5px;color:var(--text-gray-light);margin-bottom:12px;}
  .landing-page .meta span{display:flex;align-items:center;gap:6px;}
  .landing-page .blog-card h3{font-size:15px;font-weight:600;line-height:1.5;margin-bottom:12px;}
  .landing-page .readmore{color:var(--teal-dark);font-weight:600;font-size:13.5px;display:inline-flex;align-items:center;gap:8px;}
  .landing-page .readmore i{transition:var(--transition);}
  .landing-page .blog-card:hover .readmore i{transform:translateX(5px);}

  /* ===== CTA BANNER ===== */
  .landing-page .cta-banner{padding:70px 0;background:linear-gradient(100deg,var(--teal) 0%,var(--teal-dark) 100%);position:relative;overflow:hidden;}
  .landing-page .cta-banner::before{content:'';position:absolute;inset:0;background-image:repeating-linear-gradient(115deg,rgba(255,255,255,.07) 0 2px,transparent 2px 40px);}
  .landing-page .cta-banner .container{position:relative;z-index:2;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;}
  .landing-page .cta-banner .tagline{color:#eafdff;}
  .landing-page .cta-banner .tagline::before{background:#eafdff;}
  .landing-page .cta-banner h2{color:#fff;font-size:clamp(24px,3vw,26px);font-weight:700;}

  /* ===== FOOTER ===== */







/* ================= CONTACT US PAGE ================= */
  /* ================= HERO ================= */
  .contact-hero{
    position:relative;
    background:linear-gradient(120deg,#0b1a4d 0%,#152a72 60%,#1b3489 100%);
    overflow:hidden;
    padding:60px 0 70px;
  }
  .contact-hero .dots{
    position:absolute;
    left:0;top:30px;
    width:140px;height:140px;
    background-image:radial-gradient(rgba(255,255,255,.25) 1.5px, transparent 1.5px);
    background-size:14px 14px;
    opacity:.5;
    pointer-events:none;
  }
  .hero-grid-c{
    display:grid;
    grid-template-columns:1.15fr 0.85fr;
    gap:40px;
    align-items:center;
    position:relative;
    z-index:1;
  }
  .breadcrumb{
    font-size:13px;
    color:#b9c2ea;
    margin-bottom:18px;
  }
  .breadcrumb strong{color:#fff;font-weight:600;}
  .contact-hero h1{
    font-size:48px;
    color:#fff;
    line-height:1.1;
    margin-bottom:16px;
  }
  .contact-hero h1 em{
    color:var(--gold);
    font-style:italic;
    font-weight:600;
  }
  .contact-hero p{
    font-size:14.5px;
    color:#c7cef0;
    max-width:420px;
    margin:0;
  }
  .hero-visual{
    position:relative;
    border-radius:var(--radius-lg);
    overflow:hidden;
    min-height:200px;
    background:
      radial-gradient(circle at 70% 30%, rgba(240,169,66,.25), transparent 55%),
      linear-gradient(135deg,#24387f,#0f1e57);
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .hero-visual .support-badge{
    width:120px;height:120px;
    border-radius:50%;
    background:rgba(255,255,255,.08);
    border:1px solid rgba(255,255,255,.18);
    display:flex;
    align-items:center;
    justify-content:center;
    position:relative;
  }
  .hero-visual .support-badge::before{
    content:"";
    position:absolute;
    inset:-22px;
    border-radius:50%;
    border:1px solid rgba(255,255,255,.12);
  }
  .hero-visual .support-badge svg{color:#fff;}

  /* ================= COMPANY INFO ================= */
  .company-grid{
    display:grid;
    grid-template-columns:none;
  }
  .info-row_cont{
    display:flex;
    align-items: center;
    gap:14px;
    margin-bottom:20px;
  }
  .info-icon{
    width:34px;height:34px;
    border-radius:50%;
    background:var(--blue-600);
    color:#fff;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .info-row_cont .label{font-size:14px;font-weight:700;}
  .info-row_cont .label span{font-weight:400;color:var(--ink);}
  .info-row_cont a{color:var(--blue-600);font-weight:600;}
  .info-divider{
    border:none;
    border-top:1px solid var(--line);
    margin:14px 0 20px;
  }



  .quick-card{
    display:flex;
    align-items:flex-start;
    gap:16px;
    background:var(--white);
    border:1px solid var(--line);
    border-radius:var(--radius-md);
    box-shadow:var(--shadow);
    padding:18px 20px;
    margin-bottom:16px;
    transition:.3s;
    height:100%;
  }
  .quick-card:hover{
    transform:translateY(-5px);
    box-shadow:0 10px 25px rgba(0,0,0,.08);
}
  .quick-card:last-child{margin-bottom:0;}
  .quick-icon{
    width:44px;height:44px;
    border-radius:50%;
    background:var(--blue-50);
    color:var(--blue-600);
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .quick-card h4{font-size:14.5px;margin-bottom:4px;}
  .quick-card .big-line{font-size:15px;font-weight:700;color:var(--ink);}
  .quick-card a.big-line{color:var(--blue-600);}
  .quick-card .sub-line{font-size:12.5px;color:var(--muted);margin-top:2px;}

  /* ================= OFFICE / MAP ================= */
  .office-wrap{
    display:grid;
    grid-template-columns:0.72fr 1.28fr;
    border-radius:var(--radius-lg);
    overflow:hidden;
    box-shadow:var(--shadow);
  }
  .office-panel{
    background:linear-gradient(150deg,#0b1a4d,#16297a);
    color:#fff;
    padding:36px 32px;
  }
  .office-panel .tag{
    font-size:11.5px;
    font-weight:700;
    letter-spacing:.6px;
    color:var(--gold);
    margin-bottom:10px;
  }
  .office-panel h3{font-size:22px;margin-bottom:14px;line-height:1.25;}
  .office-panel .addr{font-size:14px;color:#c7cef0;margin-bottom:22px;}
  .office-feat{
    display:flex;
    align-items:flex-start;
    gap:12px;
    font-size:13px;
    color:#dfe4f7;
    margin-bottom:14px;
  }
  .office-feat:last-child{margin-bottom:0;}
  .office-feat svg{flex-shrink:0;color:var(--gold);margin-top:1px;}
  .map-area{
    position:relative;
    min-height:320px;
    overflow:hidden;
    background:#e7ebf3;
  }

  /* ================= FORM + HELP ================= */
  .form-help-grid{
    display:grid;
    grid-template-columns:1fr 0.82fr;
    gap:24px;
    align-items:start;
  }
  .form-card, .help-card{
    background:var(--blue-50);
    border-radius:var(--radius-lg);
    padding:32px;
  }
  .help-card{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);}
  .form-card h3, .help-card h3{font-size:20px;margin-bottom:14px;}
  .form-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:14px;
    margin-bottom:14px;
  }
  .form-card input, .form-card textarea{
    width:100%;
    border:1px solid var(--line);
    border-radius:var(--radius-sm);
    padding:13px 14px;
    font-size:13.5px;
    
    background:#fff;
    color:var(--ink);
  }
  .form-card input::placeholder, .form-card textarea::placeholder{color:#9aa0b8;}
  .form-card textarea{resize:vertical;min-height:110px;margin-bottom:20px;}
  .btn-send{
    display:inline-flex;
    align-items:center;
    gap:8px;
    background:var(--blue-900);
    color:#fff;
    border:none;
    border-radius:var(--radius-sm);
    padding:13px 22px;
    font-size:14px;
    font-weight:700;
  }
  .btn-send:disabled{opacity:.6;cursor:default;}
  .form-error{
    margin-top:14px;
    font-size:12.5px;
    color:#c0392b;
    background:#fdecea;
    border-radius:var(--radius-sm);
    padding:10px 12px;
  }
  .form-thanks{
    text-align:center;
    padding:34px 10px;
  }
  .thanks-tick{
    width:60px;height:60px;
    border-radius:50%;
    background:var(--blue-50);
    color:var(--blue-600);
    display:flex;
    align-items:center;
    justify-content:center;
    margin:0 auto 18px;
  }
  .form-thanks h3{margin-bottom:10px;}
  .form-thanks h3 em{color:var(--gold);font-style:italic;font-weight:600;}
  .form-thanks p{font-size:14.5px;color:var(--muted);margin:0;line-height:1.6;}
  .help-card p.intro_cont{font-size:14.5px;color:var(--muted);margin:0 0 18px;}
  .help-list li{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:13.5px;
    font-weight:600;
    margin-bottom:12px;
  }
  .help-tick{
    width:20px;height:20px;
    border-radius:50%;
    background:var(--blue-600);
    color:#fff;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .safe-box{
    display:flex;
    align-items:flex-start;
    gap:12px;
    background:var(--blue-50);
    border-radius:var(--radius-sm);
    padding:14px 16px;
    margin-top:20px;
  }
  .safe-box svg{color:var(--blue-600);flex-shrink:0;margin-top:1px;}
  .safe-box .t1{font-size:13px;font-weight:700;color:var(--blue-700);}
  .safe-box .t2{font-size:12px;color:var(--muted);}


  /* Quick Contact Cards */
.quick-contact-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:20px;
}




   /* ABOUT US PAGE*/
  
 
/* --- Hero --- */
.about-hero{background:linear-gradient(180deg,#eaf3fb 0%,#f6f8fb 100%);padding:36px 0 90px;position:relative;overflow:hidden;}
.hero-dots{position:absolute;top:14%;left:44%;width:170px;height:260px;background-image:radial-gradient(rgba(0,105,182,0.22) 1.6px,transparent 1.6px);background-size:16px 16px;pointer-events:none;z-index:0;}
.about-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;position:relative;z-index:1;}
.breadcrumb{font-size:13.5px;color:var(--muted);margin-bottom:22px;}
.breadcrumb a{color:var(--blue)!important;font-weight:600;}
.about-hero-copy h1{font-weight:800;line-height:1.25;font-size:36px;color:var(--navy);}
.about-hero-copy h1 span{display:block;color:var(--blue);}
.about-hero-copy p{color:var(--muted);margin-top:18px;font-size:14.5px;max-width:560px;}
.about-hero-copy .btn{margin-top:26px;display:inline-flex;align-items:center;gap:10px;}
.about-hero-media{position:relative;}
.about-hero-media img{width:100%;box-shadow:var(--shadow);display:block;border-radius:12px;}
 
/* --- Stats bar --- */
.stats-bar{background:linear-gradient(90deg,var(--navy),var(--blue));border-radius:18px;margin:-56px auto 0;max-width:1180px;padding:34px 30px;position:relative;z-index:2;box-shadow:0 20px 40px rgba(13,42,74,.18);}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.stat-item{display:flex;align-items:center;gap:14px;color:#fff;}
.stat-item .ic{width:52px;height:52px;flex:0 0 52px;border-radius:50%;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;font-size:20px;}
.stat-item:first-child .ic{background:#fff;color:var(--blue);}
.stat-item h3{font-size:22px;font-weight:800;}
.stat-item p{font-size:14.5px;opacity:.85;margin:0;}
 
/* --- Our Story --- */
.our-story{padding:50px 0 60px;}
.story-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:26px;align-items:stretch;}

.story-copy h2{font-weight:800;font-size:30px;color:var(--navy);margin:10px 0 16px;}
.story-copy h2 span{color:var(--blue);display:block;}
.story-copy p{color:var(--muted);margin-bottom:14px;font-size:14.5px;}
.story-copy .btn-outline{margin-top:10px;display:inline-flex;align-items:center;gap:8px;border:2px solid var(--blue);color:var(--blue);font-weight:600;padding:12px 26px;border-radius:8px;transition:.25s;}
.story-copy .btn-outline:hover{background:var(--blue);color:#fff;}
.mv-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:32px 24px;text-align:left;}
.mv-card .ic{width:70px;height:70px;margin:0 auto 18px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-size:26px;}
.mv-card h4{font-size:20px;color:var(--navy);margin-bottom:10px;}
.mv-card p{color:var(--muted);font-size:14.5px;}
 
/* --- Our Values --- */
.our-values{padding:50px 0 50px;text-align:center; background: var(--blue-100);}

.values-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:22px;margin-top:30px;}
.value-item .ic{width:56px;height:56px;margin:0 auto 14px;border-radius:14px;background:var(--bg-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:32px;}
.value-item h5{font-size:18px;color:var(--navy);margin-bottom:8px;}
.value-item p{color:var(--muted);font-size:14.5px;}
 
/* --- Team --- */
.team-section{background:var(--navy);padding:70px 0;}

.team-section h2{font-weight:800;font-size:28px;color:#fff;margin:8px 0 6px;}
.team-section .sub{color:#c3d1e0;font-size:14.5px;margin-bottom:34px;}
.team-scroller{position:relative;}
.team-grid{display:flex;gap:20px;overflow-x:auto;padding-bottom:4px;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none;}
.team-grid::-webkit-scrollbar{display:none;}
.team-card{background:#fff;border-radius:var(--radius);padding:26px 20px;text-align:center;flex:0 0 220px;scroll-snap-align:start;}
.team-arrow{position:absolute;top:calc(50% - 7px);transform:translateY(-50%);width:42px;height:42px;border-radius:50%;background:#fff;color:var(--navy);border:none;display:flex;align-items:center;justify-content:center;font-size:15px;cursor:pointer;box-shadow:var(--shadow);z-index:2;transition:.2s;}
.team-arrow:hover{background:var(--blue);color:#fff;}
.team-arrow-left{left:-18px;}
.team-arrow-right{right:-18px;}
.team-card img{width:78px;height:78px;border-radius:50%;object-fit:cover;margin:0 auto 14px;display:block;}
.team-card h5{font-size:15.5px;color:var(--navy);}
.team-card .role{color:var(--muted);font-size:12.5px;margin:4px 0 14px;}
.team-card .soc{display:flex;justify-content:center;gap:10px;}
.team-card .soc a{width:30px;height:30px;border-radius:50%;background:var(--bg-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:12px;}
 
/* --- Journey timeline --- */
.journey{padding:50px 0 50px;text-align:center;}

.journey h2{font-weight:800;font-size:28px;color:var(--navy);margin:8px 0 46px;}
.timeline{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;position:relative;}
.timeline::before{content:'';position:absolute;top:9px;left:5%;right:5%;height:2px;background:#dbe4ee;}
.tl-item{position:relative;text-align:center;padding-top:26px;}
.tl-item::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:16px;height:16px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 0 0 3px var(--blue);}
.tl-item h4{color:var(--navy);font-size:18px;margin-bottom:8px;}
.tl-item p{color:var(--muted);font-size:14.5px;padding:0 8px;}
 
/* --- CTA banner --- */
.about-cta{background:linear-gradient(90deg,var(--navy),var(--blue));border-radius:18px;max-width:1180px;margin:20px auto 70px;padding:34px 40px!important;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;}
.about-cta h3{color:#fff;font-size:22px;margin-bottom:4px;}
.about-cta p{color:#cfe0f0;font-size:14.5px;}
.about-cta .btn-white{background:#fff;color:var(--navy);font-weight:700;padding:14px 28px;border-radius:8px;display:inline-flex;align-items:center;gap:10px;white-space:nowrap;}
 



/* LOANS PAGE */


 .bcl-page{font-family:'Poppins', sans-serif; color:#333; line-height:1.7; background:#fff; overflow-x:hidden;}
  .bcl-page h1,.bcl-page h2,.bcl-page h3,.bcl-page h4{font-family:'Poppins', sans-serif; color:var(--bcl-navy);}
  .bcl-container{max-width:1180px; margin:0 auto; padding:0 clamp(16px,4vw,20px);}
  .bcl-eyebrow{color:var(--bcl-blue); font-size:clamp(11.5px,2vw,13px); font-weight:700; letter-spacing:1px; text-transform:uppercase; margin-bottom:12px; display:flex; align-items:center; gap:8px;}
  .bcl-eyebrow::before{content:''; width:22px; height:2px; background:var(--bcl-blue);}
  .bcl-eyebrow.bcl-center{justify-content:center;}
  .bcl-eyebrow.bcl-center::before{display:none;}
  .bcl-btn{display:inline-flex; align-items:center; gap:10px; padding:15px 30px; font-weight:600; font-size:14px; border-radius:3px; background:var(--bcl-blue); color:#fff; transition:.25s; white-space:nowrap; border:none; cursor:pointer;}
  .bcl-btn:hover{background:var(--bcl-navy);}
 
  /* ===== PAGE TITLE ===== */
  .bcl-page-title{position:relative; padding:clamp(46px,8vw,80px) 0 clamp(60px,10vw,110px); background:linear-gradient(100deg, rgba(9,26,50,.94) 40%, rgba(9,26,50,.45) 100%), url('../image/loan_hero.webp') right center/cover no-repeat; background-color:var(--bcl-navy);}
  .bcl-breadcrumb{display:inline-block; background:rgba(255,255,255,.1); padding:8px clamp(14px,3vw,20px); font-size:clamp(12.5px,2.2vw,14px); color:#d7e0ee; margin-bottom:clamp(16px,3vw,22px);}
  .bcl-breadcrumb .bcl-sep{margin:0 6px; color:#7c8ba4;}
  .bcl-page-title h1{font-size:clamp(26px,6vw,42px); font-weight:700; color:#fff;}
 
  /* ===== FEATURE CARDS (overlap banner) ===== */
  .bcl-features-wrap{margin-top:clamp(-46px,-6vw,-64px); position:relative; z-index:2;}
  .bcl-features-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:clamp(14px,3vw,24px);}
  .bcl-feature-card{position:relative; box-shadow:0 10px 30px rgba(10,30,60,.14); background:#fff;}
  .bcl-feature-card img{width:100%; height:clamp(130px,18vw,175px); object-fit:cover;}
  .bcl-feature-icon{position:absolute; top:14px; left:14px; width:42px; height:42px; background:var(--bcl-blue); border-radius:6px; display:flex; align-items:center; justify-content:center; color:#fff; font-size:17px;}
  .bcl-feature-caption{background:var(--bcl-navy); color:#fff; font-weight:600; font-size:clamp(13px,2.2vw,14.5px); padding:15px 18px;}
 
  /* ===== PERSONAL LOANS INTRO ===== */
  .bcl-intro-section{padding:clamp(50px,10vw,50px) 0 clamp(50px,8vw,50px); overflow:hidden; position:relative;}
  .bcl-intro-grid{display:grid; grid-template-columns:0.95fr 1.05fr; gap:clamp(30px,6vw,60px); align-items:center;}
  .bcl-intro-imgs{position:relative;}
  .bcl-intro-imgs::before{content:''; position:absolute; left:clamp(-140px,-14vw,-90px); top:50%; transform:translateY(-50%); width:clamp(180px,26vw,300px); height:clamp(180px,26vw,300px); border-radius:50%; background:var(--bcl-blue); opacity:.12; z-index:0;}
  .bcl-intro-img-main{position:relative; z-index:1; width:82%; overflow:hidden;}
  .bcl-intro-img-main img{width:100%; height:clamp(260px,32vw,360px); object-fit:cover;}
  .bcl-intro-img-sub{position:absolute; z-index:2; right:0; bottom:-8%; width:46%; border:6px solid #fff; box-shadow:0 14px 30px rgba(10,30,60,.2);}
  .bcl-intro-img-sub img{width:100%; height:clamp(120px,16vw,180px); object-fit:cover;}
  .bcl-intro-text h2{font-size:clamp(24px,4.4vw,34px); font-weight:700; line-height:1.3; margin-bottom:16px;}
  .bcl-intro-text h4{color:var(--bcl-blue); font-size:clamp(14.5px,2.4vw,16.5px); font-weight:600; margin-bottom:16px;}
  .bcl-intro-text > p{color:var(--bcl-text-gray); font-size:14.5px; margin-bottom:26px;}
  .bcl-intro-feats{display:flex; gap:30px; margin-bottom:30px; flex-wrap:wrap;}
  .bcl-intro-feats div{display:flex; align-items:center; gap:14px; font-weight:600; font-size:13.5px; color:var(--bcl-navy); max-width:170px;}
  .bcl-intro-feats i{font-size:28px; color:var(--bcl-blue); flex-shrink:0;}
 
  /* ===== SERVICES ===== */
  .bcl-services-section{padding:clamp(50px,9vw,50px) 0; background:var(--bcl-gray-bg); text-align:center;}
  .bcl-services-section h2{font-size:clamp(22px,4.2vw,30px); font-weight:700; max-width:600px; margin:0 auto 50px;}
  .bcl-services-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:clamp(16px,3vw,24px); text-align:left;}
  .bcl-service-card{background:#fff; box-shadow:0 6px 22px rgba(10,30,60,.06);border-radius:10px;overflow:hidden;}
  .bcl-service-card img{width:100%; height:clamp(110px,16vw,150px); object-fit:cover;}
  .bcl-service-body{padding:24px 20px 22px; position:relative;}
  .bcl-service-icon-round{position:absolute; top:-22px; left:20px; width:44px; height:44px; border-radius:50%; background:var(--bcl-blue); color:#fff; display:flex; align-items:center; justify-content:center; font-size:17px; box-shadow:0 6px 14px rgba(24,104,224,.35);}
  .bcl-service-body h3{font-size:16px; font-weight:700; margin:14px 0 8px;}
  .bcl-service-body p{font-size:14.5px; color:var(--bcl-text-gray);}
 
  /* ===== TRUST BANNER ===== */
  .bcl-trust-banner{position:relative; padding:clamp(50px,10vw,50px) 0; background:linear-gradient(100deg, rgba(6,16,32,.9), rgba(6,16,32,.65)), url('../image/customers_loans.webp') center/cover no-repeat; color:#fff; text-align:center;}
  .bcl-trust-banner h2{color:#fff; font-size:clamp(22px,4.8vw,34px); font-weight:700; margin-bottom:50px;}
  .bcl-stats-row{display:flex; justify-content:center; gap:clamp(24px,7vw,90px); flex-wrap:wrap;}
  .bcl-stat-circle{width:96px; height:96px; border-radius:50%; border:3px solid rgba(255,255,255,.35); display:flex; flex-direction:column; align-items:center; justify-content:center; margin:0 auto 14px;}
  .bcl-stat-circle i{font-size:17px; margin-bottom:4px;}
  .bcl-stat-circle span{font-size:21px; font-weight:700;}
  .bcl-stat-label{font-size:13px; color:#dbe3ee;}
 
  /* ===== CALCULATOR (overlaps trust banner) ===== */
  .bcl-calc-wrap{max-width:1000px; margin:clamp(50px,8vw,50px) auto 0; position:relative; z-index:3; display:grid; grid-template-columns:1.1fr 1fr; box-shadow:0 20px 50px rgba(10,30,60,.16);}
  .bcl-calc-left{background:#fff; padding:clamp(28px,5vw,48px);}
  .bcl-calc-left h2{font-size:clamp(20px,3.4vw,26px); font-weight:700; margin-bottom:14px;}
  .bcl-calc-left > p{color:var(--bcl-text-gray); font-size:14.5px; margin-bottom:20px;}
  .bcl-calc-left ul li{display:flex; align-items:flex-start; gap:10px; font-size:13.5px; color:var(--bcl-navy); margin-bottom:11px; font-weight:500;}
  .bcl-calc-left ul i{color:var(--bcl-blue); margin-top:3px;}
  .bcl-calc-right{background:var(--bcl-navy); color:#fff; padding:clamp(26px,5vw,42px);}
  .bcl-calc-range-labels{display:flex; justify-content:space-between; font-size:12px; color:#9fb0c8; margin-bottom:6px;}
  .bcl-calc-range-labels span:nth-child(2){color:#fff; font-weight:700; font-size:14px;}
  .bcl-page input[type=range]{width:100%; accent-color:var(--bcl-blue); margin-bottom:16px;}
  .bcl-calc-rows{border-top:1px solid rgba(255,255,255,.15);}
  .bcl-calc-row{display:flex; justify-content:space-between; padding:13px 0; border-bottom:1px solid rgba(255,255,255,.15); font-size:13.5px; color:#c7d3e5;}
  .bcl-calc-row b{color:#fff; font-size:15px;}
  .bcl-calc-right .bcl-btn{width:100%; justify-content:center; margin-top:20px;}
    .bcl-calc-right input[type=range]{cursor:pointer;}
  .bcl-calc-range-labels span:nth-child(2){min-width:60px; text-align:center;}
 
  /* ===== TESTIMONIALS HEADING ===== */
  .bcl-testi-heading{padding:clamp(70px,10vw,120px) 0 20px; text-align:center;}
  .bcl-testi-heading h2{font-size:clamp(22px,4.2vw,30px); font-weight:700;}
 
  /* ===== BENEFITS SPLIT (with wave cut) ===== */
  .bcl-benefits-section{position:relative; display:grid; grid-template-columns:1fr 1fr; align-items:stretch;}
  .bcl-benefits-img{position:relative; min-height:380px; background:url('../image/company_benefits.webp') center/cover;}
  .bcl-benefits-img svg{position:absolute; bottom:-1px; left:0; width:60%; height:70px;}
  .bcl-benefits-text{background:var(--bcl-gray-bg); padding:clamp(40px,6vw,70px);}
  .bcl-benefits-text h2{font-size:clamp(20px,3.6vw,28px); font-weight:700; margin-bottom:24px; line-height:1.3;}
  .bcl-benefit-item{display:flex; gap:16px; margin-bottom:24px;}
  .bcl-benefit-item i{width:44px; height:44px; border-radius:50%; background:var(--bcl-light-blue); color:var(--bcl-blue); display:flex; align-items:center; justify-content:center; font-size:16px; flex-shrink:0;}
  .bcl-benefit-item h4{font-size:15px; font-weight:700; margin-bottom:6px;}
  .bcl-benefit-item p{font-size:14.5px; color:var(--bcl-text-gray);}
 
  /* ===== CTA STRIP ===== */
  .bcl-cta-strip{background:linear-gradient(90deg, var(--bcl-blue), var(--bcl-navy-2)); padding:clamp(24px,4vw,34px) 0;}
  .bcl-cta-strip .bcl-container{display:flex; align-items:center; justify-content:space-between; gap:20px; flex-wrap:wrap;}
  .bcl-cta-strip .bcl-tag{color:#cfe0fb; font-size:12.5px; margin-bottom:6px;}
  .bcl-cta-strip h3{color:#fff; font-size:clamp(18px,3.2vw,23px); font-weight:700;}
  .bcl-cta-strip .bcl-btn{background:#fff; color:var(--bcl-blue);}
  .bcl-cta-strip .bcl-btn:hover{background:var(--bcl-navy); color:#fff;}
 
  /* ===== FAQ + CALL IMAGE ===== */
  .bcl-faq-section{padding:clamp(50px,9vw,50px) 0; display:grid; grid-template-columns:1.2fr 0.8fr; gap:clamp(30px,5vw,50px);}
  .bcl-faq-item{background:var(--bcl-gray-bg); padding:17px 20px; margin-bottom:12px; font-weight:600; font-size:14px; color:var(--bcl-navy);}
  .bcl-faq-note{color:var(--bcl-blue); font-weight:700; font-size:13.5px; margin-bottom:10px;}
  .bcl-faq-intro p{color:var(--bcl-text-gray); font-size:14.5px; margin-bottom:24px;}
  .bcl-faq-call-img{position:relative; min-height:340px; background:url('../image/frequently_loans.webp') center/cover;}
  .bcl-faq-call-bar{position:absolute; bottom:0; left:0; right:0; background:var(--bcl-blue); color:#fff; padding:15px 18px; display:flex; align-items:center; gap:12px;}
  .bcl-faq-call-bar i{font-size:20px;}
  .bcl-faq-call-bar span{font-size:11px; display:block; opacity:.85;}
  .bcl-faq-call-bar b{font-size:15px; display:block;}
  .bcl-faq-item{cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:14px;border-radius: 10px;}
  .bcl-faq-item .bcl-faq-q{flex:1;}
  .bcl-faq-item .bcl-faq-toggle{width:26px; height:26px; border-radius:50%; background:#fff; color:var(--bcl-blue,#1868e0); display:flex; align-items:center; justify-content:center; font-size:12px; flex-shrink:0; transition:.25s;}
  .bcl-faq-item.bcl-open .bcl-faq-toggle{background:var(--bcl-blue,#1868e0); color:#fff; transform:rotate(180deg);}
  .bcl-faq-answer{max-height:0; overflow:hidden; transition:max-height .3s ease, padding .3s ease; font-size:13.5px; color:#68727f; font-weight:400; background:var(--bcl-gray-bg,#f4f7fb);}
  .bcl-faq-item.bcl-open + .bcl-faq-answer{max-height:200px; padding:14px 20px;}
  .bcl-faq-answer{margin-top:-12px; margin-bottom:12px;}
 
  /* ===== BLOG ===== */
  .bcl-blog-section{padding:clamp(60px,9vw,100px) 0; text-align:center; background:#fff;}
  .bcl-blog-section h2{font-size:clamp(22px,4.2vw,30px); font-weight:700; max-width:560px; margin:0 auto 50px;}
  .bcl-blog-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:clamp(18px,3vw,26px); text-align:left;}
  .bcl-blog-card{background:#fff; box-shadow:0 6px 20px rgba(10,30,60,.07);}
  .bcl-blog-img{position:relative;}
  .bcl-blog-img img{width:100%; height:clamp(150px,20vw,190px); object-fit:cover;}
  .bcl-blog-date{position:absolute; top:14px; right:14px; background:var(--bcl-blue); color:#fff; text-align:center; font-size:11px; font-weight:700; padding:6px 10px; border-radius:3px; line-height:1.3;}
  .bcl-blog-body{padding:20px 20px 24px;}
  .bcl-blog-meta{font-size:11.5px; color:var(--bcl-text-gray); margin-bottom:10px;}
  .bcl-blog-body h3{font-size:15.5px; font-weight:700; line-height:1.4; margin-bottom:10px;}
  .bcl-blog-body p{font-size:14.5px; color:var(--bcl-text-gray); margin-bottom:16px;}
  .bcl-blog-readmore{font-size:12px; font-weight:700; color:var(--bcl-navy); border:1px solid #e2e6ec; padding:9px 16px; display:inline-block;}

/* ===== SCROLL ANIMATIONS (fade + slide, replays on scroll up AND down) ===== */
  .bcl-anim{
    opacity: 0;
    transition: opacity .7s cubic-bezier(.25,.7,.35,1), transform .7s cubic-bezier(.25,.7,.35,1);
    will-change: opacity, transform;
  }
  .bcl-anim-up{ transform: translateY(60px); } 
  .bcl-anim-down{ transform: translateY(-60px); }
  .bcl-anim-left{ transform: translateX(-60px); }
  .bcl-anim-right{ transform: translateX(60px); }
  .bcl-anim-zoom{ transform: scale(.85); }

  .bcl-anim.bcl-visible{
    opacity: 1;
    transform: translateY(0) translateX(0) scale(1);
  }

  .bcl-anim.bcl-d1{ transition-delay: .1s; }
  .bcl-anim.bcl-d2{ transition-delay: .2s; }
  .bcl-anim.bcl-d3{ transition-delay: .3s; }
  .bcl-anim.bcl-d4{ transition-delay: .4s; }

  @media (prefers-reduced-motion: reduce){
    .bcl-anim{ transition: none; opacity: 1; transform: none; }
  }
  

/* ===== HERO BANNER ANIMATION ===== */
/* ===== HERO BANNER v2 ===== */
  .about-hero-v2{
    position: relative;
    overflow: hidden;
    min-height: 250px;
    display: flex;
    align-items: center;
    padding: 70px 0;
  }

  .hero-v2-media{
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
  }
  .hero-v2-media img{
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
  }

  .hero-v2-overlay{
    position: absolute;
    inset: 0;
    z-index: 1;
    background: linear-gradient(135deg, #00000078 0%, #00000052 55%, #082f80 100%);
    clip-path: polygon(0 0, 62% 0%, 40% 100%, 0% 100%);
  }

  .hero-decor-circle{
    position: absolute;
    border-radius: 50%;
    background: rgba(255,255,255,.06);
    z-index: 2;
    pointer-events: none;
  }
  .hero-decor-circle.c1{ width: 220px; height: 220px; top: -60px; left: 60px; }
  .hero-decor-circle.c2{ width: 130px; height: 130px; bottom: -30px; left: 90px; background: rgba(255,255,255,.08); }
  .hero-decor-dot{
    position: absolute;
    width: 12px; height: 12px;
    border-radius: 50%;
    background: rgba(255,255,255,.35);
    left: 24px; top: 46%;
    z-index: 2;
  }

  .hero-dots-grid{
    position: absolute;
    top: 8%;
    right: 40%;
    width: 150px;
    height: 220px;
    z-index: 2;
    background-image: radial-gradient(rgba(255,255,255,.55) 1.5px, transparent 1.5px);
    background-size: 16px 16px;
    -webkit-mask-image: radial-gradient(ellipse 100% 100% at 50% 30%, #000 55%, transparent 100%);
    mask-image: radial-gradient(ellipse 100% 100% at 50% 30%, #000 55%, transparent 100%);
    animation: heroDotsFloatV2 6s ease-in-out infinite;
  }
  @keyframes heroDotsFloatV2{
    0%, 100% { transform: translateY(0); }
    50%      { transform: translateY(-14px); }
  }

  .hero-v2-grid{
    position: relative;
    z-index: 3;
    width: 100%;
    max-width: 620px;
    margin: 0;
    padding-left: 0;
    padding-right: 20px;
    box-sizing: border-box;
    text-align: left;
  }

  .hero-v2-copy{
    text-align: left;
  }

  .hero-v2-badge{
    display: inline-block;
    background: #fff;
    color: #0d2a4a;
    font-weight: 600;
    font-size: 15px;
    padding: 12px 26px;
    border-radius: 40px;
    margin-bottom: 26px;
    opacity: 0;
    animation: heroFadeUpV2 .8s ease forwards;
    animation-delay: .1s;
  }

  .hero-v2-copy h1{
    color: #fff;
    font-size: 44px;
    line-height: 1.2;
    font-weight: 700;
    margin: 0 0 20px;
    opacity: 0;
    animation: heroFadeUpV2 .8s ease forwards;
    animation-delay: .25s;
  }
  .hero-v2-copy h1 strong{
    font-weight: 800;
  }

  .hero-v2-copy p{
    color: #dce6fb;
    font-size:14.5px;
    line-height: 1.7;
    max-width: 420px;
    margin: 0 0 34px;
    opacity: 0;
    animation: heroFadeUpV2 .8s ease forwards;
    animation-delay: .4s;
  }

  .hero-v2-btn{
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #0d2a4a;
    color: #fff;
    font-weight: 700;
    font-size: 15px;
    padding: 18px 34px;
    border-radius: 10px;
    text-decoration: none;
    opacity: 0;
    animation: heroFadeUpV2 .8s ease forwards, heroPulseV2 2.4s ease-in-out infinite;
    animation-delay: .55s, 1.6s;
    transition: transform .25s ease;
  }
  .hero-v2-btn:hover{ transform: translateY(-3px); }

  @keyframes heroFadeUpV2{
    0%   { opacity: 0; transform: translateY(26px); }
    100% { opacity: 1; transform: translateY(0); }
  }
  @keyframes heroPulseV2{
    0%, 100% { box-shadow: 0 0 0 0 rgba(13,42,74,.35); }
    50%      { box-shadow: 0 0 0 12px rgba(13,42,74,0); }
  }

    @media (prefers-reduced-motion: reduce){
    .hero-v2-badge, .hero-v2-copy h1, .hero-v2-copy p, .hero-v2-btn, .hero-dots-grid{
      animation: none !important;
      opacity: 1 !important;
      transform: none !important;
    }
  }

     /* BLOG*/     

  .blg-page{
    --blg-navy:#0d2a4a;
    --blg-blue:#1857d6;
    --blg-blue-dark:#0a3fa8;
    --blg-blue-light:#eaf3ff;
    --blg-blue-pale:#f4f8ff;
    --blg-gray:#6b7684;
    --blg-border:#e6ecf5;
    --blg-radius:14px;
    font-family:'Inter', sans-serif;
    color:#0d2a4a;
  }
  .blg-page h1, .blg-page h2, .blg-page h3, .blg-page h4{ font-family:'Poppins', sans-serif; margin:0; }
  .blg-page a{ text-decoration:none; color:inherit; }
  .blg-page img{ max-width:100%; display:block; }
  .blg-page ul{ margin:0; padding:0; list-style:none; }
 
  /* ===== HERO ===== */
  .blg-hero{
    position:relative;
    overflow:hidden;
    background:linear-gradient(115deg, #1750d6 0%, #1454e0 55%, #0d3fc2 100%);
  }
  .blg-hero-inner{
    display:grid;
    grid-template-columns:1fr 1.05fr;
    align-items:stretch;
    min-height:290px;
    position:relative;
  }
  .blg-hero-copy{
    align-self:center;
    padding:36px 6% 36px 8%;
    position:relative;
    z-index:3;
  }
  .blg-breadcrumb{ font-size:13px; color:#cfe0fb; margin-bottom:14px; }
  .blg-breadcrumb a{ color:#fff; }
  .blg-breadcrumb span{ color:#9fb8ea; margin:0 6px; }
  .blg-hero-copy h1{
    font-size:34px;
    font-weight:800;
    line-height:1.2;
    color:#fff;
    margin-bottom:12px;
    opacity:0; animation:blgUp .8s ease forwards; animation-delay:.1s;
  }
  .blg-hero-copy p{
    font-size:14.5px;
    color:#d6e3fb;
    line-height:1.65;
    max-width:360px;
    margin-bottom:22px;
    opacity:0; animation:blgUp .8s ease forwards; animation-delay:.25s;
  }
  .blg-hero-btn{
    display:inline-flex; align-items:center; gap:10px;
    background:var(--blg-navy); color:#fff;
    font-weight:700; font-size:14px;
    padding:13px 24px; border-radius:8px;
    opacity:0; animation:blgUp .8s ease forwards; animation-delay:.4s;
    transition:transform .25s ease;
  }
  .blg-hero-btn:hover{ transform:translateY(-3px); }
  @keyframes blgUp{ 0%{opacity:0; transform:translateY(22px);} 100%{opacity:1; transform:translateY(0);} }
 
  /* ===== SCROLL REVEAL (fires on scroll down AND scroll up) ===== */
  .blg-anim{
    opacity:0;
    transform:translateY(36px);
    transition:opacity .7s ease, transform .7s ease;
  }
  .blg-anim.blg-in{ opacity:1; transform:translateY(0); }
  .blg-anim-left{ transform:translateX(-44px); }
  .blg-anim-left.blg-in{ transform:translateX(0); }
  .blg-anim-right{ transform:translateX(44px); }
  .blg-anim-right.blg-in{ transform:translateX(0); }
  .blg-anim-zoom{ transform:scale(.9); }
  .blg-anim-zoom.blg-in{ transform:scale(1); }
  .blg-d1{ transition-delay:.1s; }
  .blg-d2{ transition-delay:.2s; }
  .blg-d3{ transition-delay:.3s; }
  .blg-d4{ transition-delay:.4s; }
 
  .blg-hero-media{
    position:relative;
    height:100%;
    min-height:290px;
  }
  .blg-hero-media-clip{
    position:absolute;
    inset:0;
    overflow:hidden;
  }
  .blg-hero-media-clip img{
    width:100%;
    height:100%;
    object-fit:cover;
    display:block;
  }
 
  /* ===== SEARCH + SECTION HEAD ===== */
  .blg-articles-head{
    display:flex; align-items:center; justify-content:space-between;
    gap:20px; margin-bottom:26px; flex-wrap:wrap;
  }
  .blg-articles-head h2{ font-size:24px; font-weight:700; color:var(--blg-navy); }
  .blg-search{
    display:flex; align-items:center;
    border:1px solid var(--blg-border); border-radius:9px;
    overflow:hidden; background:#fff;
    min-width:260px; flex:0 1 320px;
  }
  .blg-search input{
    border:none; outline:none; padding:12px 14px;
    font-family:'Inter',sans-serif; font-size:14px; flex:1; color:var(--blg-navy);
  }
  .blg-search button{
    border:none; background:var(--blg-blue); color:#fff;
    width:44px; height:44px; cursor:pointer; font-size:14px;
    flex-shrink:0;
  }
 
  /* ===== MAIN LAYOUT ===== */
  /* .blg-main{ padding:56px 0 10px; } */
  .blg-layout{
    display:grid;
    grid-template-columns:2fr 1fr;
    gap:40px;
    align-items:start; margin-top: 50px;
  }
 
  /* ===== ARTICLE CARD ===== */
  .blg-card{
    display:flex; gap:22px;
    background:#fff;
    border:1px solid var(--blg-border);
    border-radius:var(--blg-radius);
    padding:14px;
    margin-bottom:22px;
    transition:box-shadow .25s ease, opacity .7s ease, transform .7s ease;
  }
  .blg-card:hover{ box-shadow:0 12px 30px rgba(13,42,74,.09); }
  .blg-card-img{
    width:220px; flex-shrink:0;
    border-radius:10px; overflow:hidden;
    aspect-ratio:4/3;
  }
  .blg-card-img img{ width:100%; height:100%; object-fit:cover; }
  .blg-card-body{ padding:6px 6px 6px 0; }
  .blg-card-meta{ font-size:13px; margin-bottom:8px; }
  .blg-card-meta a{ color:var(--blg-blue); font-weight:600; }
  .blg-card-meta span{ color:var(--blg-gray); margin:0 6px; }
  .blg-card-body h3{
    font-size:19px; font-weight:700; line-height:1.35;
    color:var(--blg-navy); margin-bottom:10px;
  }
  .blg-card-body h3 a:hover{ color:var(--blg-blue); }
  .blg-card-body p{ font-size:14.5px; color:var(--blg-gray); line-height:1.65; margin-bottom:12px; }
  .blg-readmore{ font-size:13.5px; font-weight:700; color:var(--blg-blue) !important; display:inline-flex; align-items:center; gap:6px; }
  .blg-readmore i{ font-size:11px; transition:transform .2s ease; }
  .blg-readmore:hover i{ transform:translateX(4px); }
 
  /* ===== PAGINATION ===== */
  .blg-pagination{
    display:flex; align-items:center; justify-content:center;
    gap:8px; margin-top:20px; flex-wrap:wrap;
  }
  .blg-pagination button{
    width:38px; height:38px; border-radius:8px;
    border:1px solid var(--blg-border); background:#fff;
    color:var(--blg-navy); font-weight:600; font-size:14px; cursor:pointer;
  }
  .blg-pagination button.active{ background:var(--blg-blue); border-color:var(--blg-blue); color:#fff; }
  .blg-pagination button:hover:not(.active){ border-color:var(--blg-blue); color:var(--blg-blue); }
 
  /* ===== SIDEBAR ===== */
  .blg-widget{
    background:#fff; border:1px solid var(--blg-border); border-radius:var(--blg-radius);
    padding:22px; margin-bottom:22px;
  }
  .blg-widget h3{ font-size:17px; font-weight:700; margin-bottom:16px; }
  .blg-cat-row{
    display:flex; align-items:center; gap:12px;
    padding:10px 0; border-bottom:1px solid var(--blg-border);
    font-size:14.5px; color:var(--blg-navy); font-weight:500;
  }
  .blg-cat-row:last-child{ border-bottom:none; padding-bottom:0; }
  .blg-cat-row i{ color:var(--blg-blue); width:18px; text-align:center; }
  .blg-cat-row .blg-cat-name{ flex:1; }
  .blg-cat-row .blg-count{
    background:var(--blg-blue-pale); color:var(--blg-gray);
    font-size:12px; font-weight:600; padding:3px 9px; border-radius:20px;
  }
 
  .blg-pop-row{ display:flex; gap:12px; padding:10px 0; border-bottom:1px solid var(--blg-border); }
  .blg-pop-row:last-child{ border-bottom:none; padding-bottom:0; }
  .blg-pop-row img{ width:60px; height:60px; border-radius:8px; object-fit:cover; flex-shrink:0; }
  .blg-pop-row h4{ font-size:13.5px; font-weight:600; line-height:1.4; margin-bottom:5px; }
  .blg-pop-row h4:hover{ color:var(--blg-blue); }
  .blg-pop-row span{ font-size:12px; color:var(--blg-gray); }
 
  .blg-cta-box{
    background:linear-gradient(135deg, var(--blg-blue) 0%, var(--blg-blue-dark) 100%);
    border-radius:var(--blg-radius);
    padding:26px; color:#fff; margin-bottom:22px;
  }
  .blg-cta-box i{ font-size:16px; margin-bottom:0px; display:block; }
  .blg-cta-box h3{ font-size:19px; font-weight:700; margin-bottom:10px; color:#fff; }
  .blg-cta-box p{ font-size:14.5px; color:#dce6fb; line-height:1.6; margin-bottom:18px; }
  .blg-cta-box a{
    display:inline-flex; align-items:center; gap:8px;
    background:#fff; color:var(--blg-navy); font-weight:700; font-size:14px;
    padding:11px 20px; border-radius:8px;
  }
 
  .blg-newsletter p{ font-size:14.5px; color:var(--blg-gray); line-height:1.6; margin-bottom:16px; }
  .blg-news-input{
    display:flex; align-items:center; border:1px solid var(--blg-border);
    border-radius:8px; overflow:hidden; margin-bottom:12px;
  }
  .blg-news-input input{
    border:none; outline:none; flex:1; padding:12px 14px;
    font-family:'Inter',sans-serif; font-size:13.5px;
  }
  .blg-news-input i{ padding:0 14px; color:var(--blg-gray); }
  .blg-newsletter button{
    width:100%; background:var(--blg-blue); color:#fff; border:none;
    padding:13px; border-radius:8px; font-weight:700; font-size:14.5px; cursor:pointer;
  }
 
  /* ===== HELP BANNER ===== */
  .blg-help{
    background:var(--blg-blue-light);
    border-radius:20px;
    margin:50px auto 0;
    padding:36px;
    display:flex; align-items:center; gap:90px; flex-wrap:wrap;
    position:relative; overflow:hidden;
  }
  .blg-help-img{
    width:230px; height:230px; border-radius:50%; overflow:hidden;
    border:3px solid #fff; flex-shrink:0; position:relative; z-index:1;
  }
  .blg-help-img img{ width:100%; height:100%; object-fit:cover; }
  .blg-help-text{ flex:1; min-width:240px; }
  .blg-help-text h2{ font-size:26px; font-weight:700; margin-bottom:10px; }
  .blg-help-text p{ font-size:14.5px; color:var(--blg-gray); line-height:1.6; max-width:460px; margin-bottom:20px; }
  .blg-help-actions{ display:flex; gap:14px; flex-wrap:wrap; }
  .blg-btn-fill{ background:var(--blg-navy); color:#fff; font-weight:700; font-size:14px; padding:13px 24px; border-radius:9px; display:inline-flex; align-items:center; gap:8px; }
  .blg-btn-outline{ background:transparent; color:var(--blg-navy); font-weight:700; font-size:14px; padding:13px 24px; border-radius:9px; border:1.5px solid var(--blg-navy); display:inline-flex; align-items:center; gap:8px; }
  .blg-help-icon{ font-size:70px; color:#c8ddfb; margin-left:auto; }
 
  /* ===== FEATURES STRIP ===== */
  .blg-features{
    max-width:1200px; margin:44px auto; padding:0 24px;
    display:grid; grid-template-columns:repeat(4,1fr); gap:26px;
  }
  .blg-feature{ display:flex; align-items:center; gap:14px; }
  .blg-feature i{
    width:46px; height:46px; border-radius:50%;
    background:var(--blg-blue-light); color:var(--blg-blue);
    display:flex; align-items:center; justify-content:center; font-size:18px; flex-shrink:0;
  }
  .blg-feature b{ display:block; font-size:14.5px; color:var(--blg-navy); }
  .blg-feature span{ display:block; font-size:12.5px; color:var(--blg-gray); }

  .blg-card{ transition:box-shadow .25s ease, opacity .7s ease, transform .7s ease; }
  .blg-card:hover{ box-shadow:0 12px 30px rgba(13,42,74,.09); }

  @media (prefers-reduced-motion: reduce){
    .blg-anim, .blg-anim-left, .blg-anim-right, .blg-anim-zoom{
      animation:none !important; transition:none !important;
      opacity:1 !important; transform:none !important;
    }
  }


     /* BLOG POST*/

  
  .blog-post h1,.blog-post h2,.blog-post h3,.blog-post h4{
    font-family:'Poppins',sans-serif;
    margin:0 0 12px;
    color:var(--bp-text-dark);
    line-height:1.3;
  }
  .blog-post p{margin:0 0 16px; color:var(--bp-text-gray); line-height:1.75; font-size:14.5px;}
  .blog-post a{text-decoration:none; color:inherit;}
  .blog-post ul{margin:0; padding:0; list-style:none;}
  .bp-container{max-width:1180px; margin:0 auto; padding:0 20px;}

  /* ===== BREADCRUMB + HERO ===== */
  .bp-hero{
    position:relative;
    min-height:340px;
    display:flex;
    align-items:flex-end;
    background:
      linear-gradient(100deg, rgba(8,20,45,.88) 25%, rgba(8,20,45,.45) 60%, rgba(8,20,45,.15) 100%),
      url('../image/blog/detail_hero.webp') center/cover no-repeat;
    padding:48px 0 34px;
  }
  .bp-crumb{
    font-size:13px;
    color:#c7d2f0;
    margin-bottom:18px;
    display:flex;
    align-items:center;
    gap:8px;
    flex-wrap:wrap;
  }

  .bp-badge{
    display:inline-block;
    background:var(--bp-blue);
    color:#fff;
    font-size:11px;
    font-weight:700;
    letter-spacing:.06em;
    padding:6px 14px;
    border-radius:6px;
    margin-bottom:16px;
  }
  .bp-hero h1{
    color:#fff;
    font-size:clamp(26px,4vw,40px);
    font-weight:700;
    max-width:640px;
    margin-bottom:18px;
  }
  .bp-meta{
    display:flex;
    gap:22px;
    flex-wrap:wrap;
    color:#dbe4f7;
    font-size:13px;
    font-weight:500;
  }
  .bp-meta span{display:flex; align-items:center; gap:7px;}
  .bp-meta i{color:var(--bp-blue); font-size:13px;}

  /* ===== LAYOUT ===== */
  .bp-layout{
    display:grid;
    grid-template-columns:1fr 340px;
    gap:36px;
    padding:44px 0 70px;
    align-items:start;
    margin-top:50px; margin-bottom:50px;
  }
  .bp-main img.bp-feature{
    width:100%;
    border-radius:var(--radius);
    display:block;
    margin-bottom:22px;
    aspect-ratio:16/8.2;
    object-fit:cover;
  }
  .bp-main h2{font-size:22px; margin-top:34px;}
  .bp-main > p:first-of-type{margin-top:0;}

  /* how it works steps */
  .bp-steps{display:flex; flex-direction:column; gap:14px; margin:18px 0 8px;}
  .bp-step{
    display:flex;
    gap:16px;
    align-items:flex-start;
    background:#fff;
    border:1px solid var(--bp-border);
    border-radius:12px;
    padding:16px 18px;
  }
  .bp-step .ic{
    flex:none;
    width:38px; height:38px;
    border-radius:9px;
    background:var(--bp-blue-light);
    color:var(--bp-blue);
    display:flex; align-items:center; justify-content:center;
    font-size:15px;
  }
  .bp-step h4{font-size:15px; margin:0 0 4px;}
  .bp-step p{margin:0; font-size:14.5px;}

  /* benefits grid */
  .bp-benefits{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:14px;
    margin:18px 0 8px;
  }
  .bp-benefit{
    background:#fff;
    border:1px solid var(--bp-border);
    border-radius:12px;
    padding:22px 14px;
    text-align:center;
  }
  .bp-benefit .ic{
    width:44px; height:44px;
    border-radius:50%;
    background:var(--bp-blue);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 12px;
    font-size:16px;
  }
  .bp-benefit h4{font-size:13.5px; margin:0 0 6px;}
  .bp-benefit p{font-size:14.5px; margin:0; line-height:1.5;}

  /* things to consider */
  .bp-checklist{display:flex; flex-direction:column; gap:10px; margin:14px 0 8px;}
  .bp-checklist li{display:flex; gap:10px; align-items:flex-start; font-size:14.5px; color:var(--bp-text-gray);}
  .bp-checklist i{color:var(--bp-blue); margin-top:3px; font-size:13px;}

  .bp-conclusion{
    background:var(--bp-blue-light);
    border-radius:var(--radius);
    padding:22px 24px;
    margin-top:26px;
  }
  .bp-conclusion h4{font-size:16px; margin-bottom:8px;}
  .bp-conclusion p{margin:0; font-size:14.5px;}

  .bp-share{
    display:flex;
    align-items:center;
    gap:12px;
    margin-top:28px;
    font-size:14.5px;
    font-weight:600;
  }
  .bp-share .icons{display:flex; gap:10px;}
  .bp-share .icons a{
    width:34px; height:34px;
    border-radius:50%;
    border:1px solid var(--bp-border);
    display:flex; align-items:center; justify-content:center;
    color:var(--bp-text-dark);
    font-size:13px;
    transition:.2s;
  }
  .bp-share .icons a:hover{background:var(--bp-blue); border-color:var(--bp-blue); color:#fff;}

  .bp-questions{
    display:flex;
    align-items:center;
    gap:22px;
    background:var(--bp-blue-light);
    border-radius:var(--radius);
    padding:22px 26px;
    margin-top:28px;
    position:relative;
    overflow:hidden;
  }
  .bp-questions img{
    width:72px; height:72px;
    border-radius:50%;
    object-fit:cover;
    flex:none;
    border:3px solid #fff;
  }
  .bp-questions h4{font-size:16px; margin-bottom:4px;}
  .bp-questions p{font-size:14.5px; margin-bottom:14px; max-width:420px;}
  .bp-questions .shield{
    position:absolute; right:22px; top:50%; transform:translateY(-50%);
    font-size:60px; color:#d7e2fa;
  }
  .btn-navy{
    display:inline-flex; align-items:center; gap:8px;
    background:var(--bp-navy);
    color:#fff;
    font-size:13.5px;
    font-weight:600;
    padding:11px 20px;
    border-radius:8px;
    border:none;
    cursor:pointer;
  }

  .bp-cta{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:20px;
    flex-wrap:wrap;
    background:var(--bp-navy);
    border-radius:var(--radius);
    padding:26px 30px;
    margin-top:35px;
  }
  .bp-cta h3{color:#fff; font-size:19px; margin-bottom:4px;}
  .bp-cta p{color:#b7c3e0; font-size:14.5px; margin:0;}
  .btn-white{
    display:inline-flex; align-items:center; gap:8px;
    background:#fff;
    color:var(--bp-navy);
    font-size:13.5px;
    font-weight:700;
    padding:12px 22px;
    border-radius:8px;
    white-space:nowrap;
  }

  /* ===== SIDEBAR ===== */
  .bp-side > div{
    background:#fff;
    border:1px solid var(--bp-border);
    border-radius:var(--radius);
    padding:22px;
    margin-bottom:22px;
  }
  .bp-side h3{font-size:16px; margin-bottom:14px;}
  .bp-cats li{
    display:flex; align-items:center; justify-content:space-between;
    padding:10px 0;
    border-bottom:1px solid var(--bp-border);
    font-size:13.5px; font-weight:500;
  }
  .bp-cats li:last-child{border-bottom:none; padding-bottom:0;}
  .bp-cats li .lbl{display:flex; align-items:center; gap:10px; color:var(--bp-text-dark);}
  .bp-cats li i{color:var(--bp-blue); width:16px; text-align:center;}
  .bp-cats li .count{color:var(--bp-text-gray); font-size:12.5px;}

  .bp-posts li{
    display:flex; gap:12px;
    padding:12px 0;
    border-bottom:1px solid var(--bp-border);
  }
  .bp-posts li:last-child{border-bottom:none; padding-bottom:0;}
  .bp-posts img{
    width:60px; height:60px;
    border-radius:9px;
    object-fit:cover;
    flex:none;
  }
  .bp-posts h5{font-size:13px; font-weight:600; margin:0 0 6px; line-height:1.4;}
  .bp-posts span{font-size:11.5px; color:var(--bp-text-gray);}

  .bp-apply{
    background:linear-gradient(135deg,var(--bp-blue),var(--bp-blue-dark)) !important;
    color:#fff;
  }
  .bp-apply h3{color:#fff;}
  .bp-apply p{color:#dbe4fb; font-size:14.5px; margin-bottom:16px;}
  .bp-apply .btn-white{color:var(--bp-blue);}

  .bp-news p{font-size:13px; margin-bottom:14px;}
  .bp-news input{
    width:100%;
    padding:12px 40px 12px 14px;
    border:1px solid var(--bp-border);
    border-radius:8px;
    font-family:inherit;
    font-size:13px;
    margin-bottom:12px;
    background:#f8f9fc;
  }
  .bp-news-field{position:relative;}
  .bp-news-field i{position:absolute; right:14px; top:13px; color:var(--bp-text-gray); font-size:13px;}
  .btn-sub{
    width:100%;
    background:var(--bp-blue);
    color:#fff;
    border:none;
    padding:13px;
    border-radius:8px;
    font-weight:600;
    font-size:13.5px;
    cursor:pointer;
  }

    /*  APPLY NOW PAGE*/


  .apn-page{    
    color:var(--apn-text-dark);
    background:var(--apn-white);
    line-height:1.5;
  }
  .apn-page img{max-width:100%;display:block;}
  .apn-page a{text-decoration:none;color:inherit;}
  .apn-page ul{list-style:none;}
  .apn-page *{box-sizing:border-box;}

  /* ===== HERO ===== */
  .apn-hero{
    background:#0f2ea8;
    background:radial-gradient(120% 180% at 20% 20%, #163bc4 0%, #0d2496 45%, #0a1d80 100%);
    position:relative;
    overflow:hidden;
    padding:0;
  }
  .apn-hero::before{
    content:"";
    position:absolute;
    left:0;top:0;bottom:0;
    width:38%;
    background-image:radial-gradient(rgba(255,255,255,0.10) 1.5px, transparent 1.5px);
    background-size:14px 14px;
    -webkit-mask-image:linear-gradient(to right, black, transparent);
            mask-image:linear-gradient(to right, black, transparent);
    pointer-events:none;
  }
  .apn-hero .container{
    display:grid;
    grid-template-columns:1.15fr 1fr;
    align-items:center;
    gap:20px;
    min-height:280px;
    padding-top:36px;
    padding-bottom:36px;
    position:relative;
    z-index:1;
  }
  .apn-breadcrumb{
    color:rgba(255,255,255,0.55);
    font-size:14px;
    margin-bottom:22px;
    font-weight:500;
  }
  .apn-breadcrumb span{color:#fff;font-weight:400;}
  .apn-hero h1{
    font-size:44px;
    color:#fff;
    font-weight:800;
    margin-bottom:18px;
    line-height:1.1;
  }
  .apn-hero h1 em{
    color:var(--apn-orange-2);
    font-style:normal;
  }
  .apn-hero p{
    color:rgba(255,255,255,0.8);
    font-size:14.5px;
    max-width:430px;
    line-height:1.6;
  }
  .apn-hero p b{color:#fff;font-weight:400;}

  .apn-hero-visual{
    position:relative;
    display:flex;
    justify-content:flex-end;
    align-items:flex-end;
    height:100%;
    align-self:stretch;
  }
  .apn-hero-photo-wrap{
    position:relative;
    width:100%;
    height:100%;
    display:flex;
    align-items:flex-end;
    justify-content:center;
  }
  .apn-hero-photo{
    width:88%;
    max-width:430px;
    height:auto;
    max-height:280px;
    object-fit:cover;
    object-position:top center;
    -webkit-mask-image:linear-gradient(to bottom, black 82%, transparent 100%);
            mask-image:linear-gradient(to bottom, black 82%, transparent 100%);
  }
  .apn-hero-doc{
    position:absolute;
    right:0%;
    top:6%;
    width:190px;
    background:#fff;
    border-radius:16px;
    padding:20px 18px;
    box-shadow:0 20px 40px rgba(0,0,0,0.25);
    z-index:1;
  }
  .apn-hero-doc .apn-avatar{
    width:38px;height:38px;border-radius:50%;
    background:var(--apn-blue);
    display:flex;align-items:center;justify-content:center;
    color:#fff;margin-bottom:14px;
    font-size:15px;
  }
  .apn-hero-doc .apn-line{
    height:6px;background:#e6eaf5;border-radius:4px;margin-bottom:9px;
  }
  .apn-hero-doc .apn-line:nth-child(3){width:85%;}
  .apn-hero-doc .apn-line:nth-child(4){width:70%;}
  .apn-hero-check{
    position:absolute;
    right:6%;
    top:52%;
    width:52px;height:52px;
    background:var(--apn-blue);
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    color:#fff;
    font-size:22px;
    box-shadow:0 10px 20px rgba(0,0,0,0.3);
    border:4px solid #fff;
    z-index:2;
  }
  .apn-hero-ring{
    position:absolute;
    right:12%;
    top:2%;
    width:170px;
    height:170px;
    border:1.5px dashed rgba(255,255,255,0.25);
    border-radius:50%;
  }
  .apn-hero-plant{
    position:absolute;
    right:-2%;
    bottom:0;
    width:60px;
    text-align:center;
    z-index:1;
  }
  .apn-hero-plant .apn-pot{
    width:44px;height:34px;
    background:#fff;
    border-radius:6px 6px 14px 14px;
    margin:0 auto;
  }
  .apn-hero-plant .apn-leaf{
    width:40px;height:40px;
    margin:0 auto -14px;
    color:#3ea86a;
    font-size:34px;
    line-height:1;
  }
  .apn-hero-floor{
    position:absolute;
    left:0;right:0;bottom:0;
    height:14%;
    background:linear-gradient(to top, rgba(0,0,0,0.18), transparent);
    z-index:0;
  }

  /* ===== PROCESS ===== */
  .apn-process{
    padding:40px 0 40px;
  }
  .apn-process-title{
    text-align:center;
    font-size:26px;
    font-weight:800;
    margin-bottom:8px;
    position:relative;
  }
  .apn-process-title::before{
    content:"";
    display:block;
    width:44px;height:3px;
    background:var(--apn-orange-2);
    margin:0 auto 14px;
  }
  .apn-steps{
    margin-top:36px;
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
    position:relative;
  }
  .apn-step{
    background:#f2f6ff;
    border:1px solid var(--apn-border);
    border-radius:12px;
    padding:26px 18px;
    text-align:center;
    position:relative;
  }
  .apn-step .apn-icon{
    width:56px;height:56px;
    background:#eaf0fe;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    margin:0 auto 14px;
    font-size:22px;
    color:var(--apn-blue);
  }
  .apn-step .apn-step-label{
    color:var(--apn-blue);
    font-weight:700;
    font-size:14px;
    margin-bottom:6px;
  }
  .apn-step h4{
    font-size:16px;
    margin-bottom:8px;
  }
  .apn-step p{
    font-size:14.5px;
    color:var(--apn-text-muted);
  }
  .apn-step:not(:last-child)::after{
    content:"";
    position:absolute;
    top:50%;
    right:-22px;
    width:22px;
    border-top:2px dashed #cfd6ea;
  }

  /* ===== MAIN GRID ===== */
  .apn-main-grid{
    padding:40px 0;
    display:grid;
    grid-template-columns:1.7fr 1fr;
    gap:26px;
  }

  .apn-card{
    background:#f2f6ff;
    border:1px solid var(--apn-border);
    border-radius:14px;
    padding:28px;
  }

  /* Form card */
  .apn-form-card h2{
    font-size:18px;
    display:flex;
    align-items:center;
    gap:12px;
    margin-bottom:6px;
  }
  .apn-form-card h2 .apn-icon-box{
    width:38px;height:38px;
    background:#eaf0fe;
    color:var(--apn-blue);
    border-radius:8px;
    display:flex;align-items:center;justify-content:center;
  }
  .apn-form-card > p.apn-sub{
    color:var(--apn-text-muted);
    font-size:13px;
    margin-bottom:18px;
    padding-bottom:18px;
    border-bottom:1px solid var(--apn-border);
  }
  .apn-field-group-label{
    font-weight:500;
    font-size:15px;
    margin:18px 0 10px;
  }
  .apn-field-group-label:first-of-type{margin-top:0;}
  .apn-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:14px;
    margin-bottom:14px;
  }
  .apn-field{
    position:relative;
  }
  .apn-field input,
  .apn-field select,
  .apn-field textarea{
    width:100%;
    padding:12px 14px 12px 38px;
    border:1px solid var(--apn-border);
    border-radius:8px;
    font-size:13px;
    color:var(--apn-text-dark);
    background:#fff;
    font-family:inherit;
    appearance:none;
  }
  .apn-field textarea{padding-left:14px;resize:vertical;min-height:90px;}
  .apn-field .apn-fi{
    position:absolute;
    left:12px;
    top:46%;
    transform:translateY(-50%);
    color:#9aa4bf;
    font-size:14px;
  }
  .apn-field select{color:#9aa4bf;}
  /* .apn-field.apn-select-arrow::after{
    content:"▾";
    position:absolute;
    right:14px;
    top:50%;
    transform:translateY(-50%);
    color:#9aa4bf;
    pointer-events:none;
  } */
  .apn-page ::placeholder{color:#9aa4bf;}

  .apn-agree{
    display:flex;
    align-items:flex-start;
    gap:8px;
    font-size:13px;
    color:var(--apn-text-muted);
    margin:14px 0 20px;
  }
  .apn-agree a{color:var(--apn-blue);text-decoration:underline;}
  .apn-agree input{margin-top:3px;}

  .apn-btn-submit{
    width:100%;
    background:var(--apn-blue);
    color:#fff;
    border:none;
    padding:15px;
    border-radius:8px;
    font-size:15px;
    font-weight:700;
    cursor:pointer;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:10px;
  }
  .apn-btn-submit:hover{background:var(--apn-navy-2);}

  /* Sidebar */
  .apn-sidebar{
    display:flex;
    flex-direction:column;
    gap:22px;
  }
  .apn-side-card h3{
    font-size:17px;
    margin-bottom:16px;
    position:relative;
    padding-top:10px;
  }
  .apn-side-card h3::before{
    content:"";
    position:absolute;
    top:0;left:0;
    width:34px;height:3px;
    background:var(--apn-orange-2);
  }
  .apn-why-list li{
    display:flex;
    align-items:center;
    gap:10px;
    padding:10px 0;
    font-size:13px;
    border-bottom:1px solid var(--apn-border);
  }
  .apn-why-list li:last-child{border-bottom:none;}
  .apn-why-list .apn-check{
    width:22px;height:22px;
    background:var(--apn-blue);
    color:#fff;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    font-size:12px;
    flex-shrink:0;
  }

  .apn-help-row{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:14px;
    margin-bottom:14px;
  }
  .apn-help-row .apn-ic{
    width:32px;height:32px;
    background:#eaf0fe;
    color:var(--apn-blue);
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
    font-size:14px;
  }
  .apn-help-photo{
    border-radius:10px;
    overflow:hidden;
    margin:14px 0 10px;
  }
  .apn-help-photo img{aspect-ratio:16/10;object-fit:cover;}
  .apn-help-caption{
    background:#eaf0fe;
    color:var(--apn-navy);
    font-weight:600;
    font-size:13px;
    padding:12px 14px;
    border-radius:8px;
    text-align:center;
  }

  /* Before you apply + FAQ */
  .apn-info-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:26px;
    padding-bottom:40px;
  }
  .apn-before-list li{
    display:flex;
    align-items:center;
    gap:12px;
    padding:10px 0;
    font-size:13px;
    font-weight:600;
  }
  .apn-before-list .apn-ic{
    width:26px;height:26px;
    background:var(--apn-navy);
    color:#fff;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    font-size:11px;
    flex-shrink:0;
  }
  .before-visual{
    display:flex;
    align-items:center;
    justify-content:center;
    padding:20px 0;
  }
  .before-visual .badge{
    width:64px;height:64px;
    background:var(--apn-blue);
    border-radius:50%;
    color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:26px;
    border:4px solid #fff;
    box-shadow:0 8px 18px rgba(0,0,0,0.15);
  }
  .apn-before-card-inner{
    position:relative;
    display:flex;
    justify-content:center;
  }
  .apn-clipboard{
    width:140px;height:180px;
    background:#eaf0fe;
    border-radius:14px;
    position:relative;
    padding:20px 14px;
  }
  .apn-clipboard .apn-clip{
    position:absolute;
    top:-10px;left:50%;
    transform:translateX(-50%);
    width:44px;height:16px;
    background:#c9d6f5;
    border-radius:6px;
  }
  .apn-clipboard .apn-cline{
    display:flex;
    align-items:center;
    gap:6px;
    margin-bottom:14px;
  }
  .apn-clipboard .apn-cline .apn-box{
    width:16px;height:16px;
    background:var(--apn-blue);
    border-radius:3px;
    color:#fff;
    font-size:10px;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .apn-clipboard .apn-cline .apn-bar{
    flex:1;height:6px;background:#c9d6f5;border-radius:3px;
  }
  .apn-clipboard .apn-shield{
    position:absolute;
    bottom:-14px;
    right:-10px;
    width:44px;height:44px;
    background:var(--apn-blue);
    border-radius:50%;
    color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:18px;
    border:4px solid #fff;
  }

  .apn-faq-item{
    border-bottom:1px solid var(--apn-border);
  }
  .apn-faq-item:first-of-type{border-top:1px solid var(--apn-border);}
  .apn-faq-q{
    width:100%;
    background:none;
    border:none;
    text-align:left;
    padding:14px 4px;
    font-size:14px;
    font-weight:600;
    display:flex;
    justify-content:space-between;
    align-items:center;
    cursor:pointer;
    color:var(--apn-text-dark);
    font-family:inherit;
  }
  .apn-faq-q .apn-arrow{
    color:var(--apn-blue);
    transition:transform .2s;
    font-size:12px;
  }
  .apn-faq-item.open .apn-arrow{transform:rotate(180deg);}
  .apn-faq-a{
    max-height:0;
    overflow:hidden;
    transition:max-height .25s ease;
    font-size:13px;
    color:var(--apn-text-muted);
    padding:0 4px;
  }
  .apn-faq-item.open .apn-faq-a{
    max-height:200px;
    padding-bottom:14px;
  }

  /* CTA banner */
  .apn-cta{
    background:linear-gradient(120deg,var(--apn-navy) 0%,var(--apn-blue) 100%);
    border-radius:16px;
    margin-bottom:20px;
    padding:30px 32px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:24px;
    flex-wrap:wrap;
    position:relative;
    overflow:hidden;
  }

  .apn-cta::after{
    content:"";
    position:absolute;
    right:20px;top:20px;
    width:80px;height:80px;
    background-image:radial-gradient(circle,rgba(255,255,255,0.25) 2px,transparent 2px);
    background-size:12px 12px;
    opacity:.5;
  }
  .apn-cta-left{
    display:flex;
    align-items:center;
    gap:18px;
  }
  .apn-cta-icon{
    width:60px;height:60px;
    background:rgba(255,255,255,0.15);
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    color:#fff;
    font-size:24px;
    position:relative;
    flex-shrink:0;
  }
  .apn-cta-icon .apn-dot{
    position:absolute;
    bottom:-2px;right:-2px;
    width:20px;height:20px;
    background:#2ecc71;
    border-radius:50%;
    border:3px solid var(--apn-navy);
    display:flex;align-items:center;justify-content:center;
    font-size:10px;
    color:#fff;
  }
  .apn-cta h3{color:#fff;font-size:20px;margin-bottom:4px;}
  .apn-cta p{color:rgba(255,255,255,0.8);font-size:14.5px;}
  .apn-cta-btn{
    background:var(--apn-orange-2);
    color:#fff;
    font-weight:500;
    font-size:13px;
    padding:10px 20px;
    border-radius:8px;
    display:inline-flex;
    align-items:center;
    gap:8px;
    white-space:nowrap;
  }


.apn-cta-btn:hover{
    background:var(--blue);
    color:#fff;
 
  }

.apn-cta-btn-menu{background:var(--apn-orange-2);
    color:#fff;
    font-weight:500;
    font-size:13px;
    padding:10px 20px;
    border-radius:8px;
    display:inline-flex;
    text-transform: uppercase;
    align-items:center;
    gap:8px;
    white-space:nowrap;}


    .apn-cta-btn-menu:hover{
    background:var(--blue);
    color:#fff;
 
  }


/* ===== LOAN TABLE SECTION ===== */
  .loan-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
            gap: 20px;
            margin-bottom: 30px;
        }

        .loan-card {
            background: white;
            border-radius: 12px;
            padding: 28px;
            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
            transition: all 0.3s ease;
            border-left: 4px solid #2563eb;
            position: relative;
            overflow: hidden;
        }

        .loan-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 8px 20px rgba(0, 0, 0, 0.12);
        }

        .loan-card.highlight {
            border-left-color: #10b981;
            background: linear-gradient(135deg, #f0fdf4 0%, #f9fafb 100%);
        }

        .loan-card.highlight::before {
            content: '✓';
            position: absolute;
            top: 10px;
            right: 14px;
            font-size: 20px;
            color: #10b981;
            opacity: 0.6;
        }

        .card_content{display: flex;
    gap: 10px;}

        .card-label {
            display: block;
            font-size: 12px;
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: #64748b;
            margin-bottom:0px;
        }

        .card-value {
            font-size: 15px;
            font-weight: 700;
            color: #1a2332;
            line-height: 1.2; text-align: left;
        }

        .card-value.secondary {
            font-size: 16px;
            color: #475569;
            font-weight: 500;
            margin-top: 4px;
        }

        .card-icon {
            display: inline-block;
            width: 36px;
            height: 36px;
            background: rgba(37, 99, 235, 0.1);
            border-radius: 8px;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 18px;
            margin-bottom: 12px;
        }

        .card-icon.green {
            background: rgba(16, 185, 129, 0.1);
            color: #10b981;
        }

        .card-icon.blue {
            background: rgba(37, 99, 235, 0.1);
            color: #2563eb;
        }

        .card-icon.purple {
            background: rgba(139, 92, 246, 0.1);
            color: #8b5cf6;
        }

        .summary-section {
            background: white;
            border-radius: 12px;
            padding: 32px;
            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
            border-top: 4px solid #2563eb;
        }

        .summary-title {
            font-size: 18px;
            font-weight: 700;
            color: #1a2332;
            margin-bottom: 20px;
        }

        .summary-row {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 16px 0;
            border-bottom: 1px solid #f1f5f9;
        }

        .summary-row:last-child {
            border-bottom: none;
        }

        .summary-label {
            font-size: 14px;
            font-weight: 600;
            color: #64748b;
            text-transform: uppercase;
            letter-spacing: 0.3px;
        }

        .summary-value {
            font-size: 16px;
            font-weight: 700;
            color: #1a2332;
        }

        .badge {
            display: inline-block;
            background: linear-gradient(135deg, #10b981, #059669);
            color: white;
            padding: 6px 12px;
            border-radius: 6px;
            font-size: 14px;
            font-weight: 600;
        }


/* Animation */
        @keyframes fadeIn {
            from {
                opacity: 0;
                transform: translateY(20px);
            }
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        .loan-card {
            animation: fadeIn 0.5s ease forwards;
        }

        .loan-card:nth-child(1) { animation-delay: 0.1s; }
        .loan-card:nth-child(2) { animation-delay: 0.2s; }
        .loan-card:nth-child(3) { animation-delay: 0.3s; }
        .loan-card:nth-child(4) { animation-delay: 0.4s; }
        .loan-card:nth-child(5) { animation-delay: 0.5s; }
        .loan-card:nth-child(6) { animation-delay: 0.6s; }









.purpose-head{
    max-width:1180px;
    margin:auto;
    text-align:center;
    margin-bottom:60px;
}

.purpose-head span{
    display:inline-block;
    padding:10px 22px;
    border-radius:50px;
    background:#edf7ff;
    color:#0069b6;
    font-weight:700;
    margin-bottom:18px;
}

.purpose-head h2{
    font-size:42px;
    color:#172554;
    margin-bottom:20px;
}

.purpose-head p{
    color:#64748b;
    line-height:1.9;
    font-size:17px;
}

.purpose-box{
    display:flex;
    flex-direction:column;
    gap:25px;
}

.purpose-item{
    display: flex;
    gap: 15px;
    padding:30px;
    background: #fff;
    border-radius: 24px;
    border: 1px solid #edf2f7;
    position: relative;
    overflow: hidden;
    transition: .35s;
    box-shadow: 0 15px 40px rgba(20, 40, 80, .06);
}

.purpose-item::before{
    content:'';
    position:absolute;
    left:0;
    top:0;
    width:6px;
    height:100%;
    background:linear-gradient(#0069b6,#00b7ff);
}

.purpose-item:hover{
    transform:translateY(-8px);
    box-shadow:0 25px 55px rgba(0,105,182,.15);
}

.purpose-icon{
    min-width:60px;
    width:60px;
    height:60px;
    border-radius:10px;
    background:linear-gradient(135deg,#0069b6,#00bfff);
    display:flex;
    justify-content:center;
    align-items:center;
    color:#fff;
    font-size:20px;
}

.purpose-content h3{
    margin-bottom:12px;
    color:#172554;
    font-size:24px;
}

.purpose-content p{
    color: var(--text-gray);
    font-size: 14.5px;
    line-height: 24px;
    margin-top: 10px;
}


/* ===== SCROLL ANIMATIONS ===== */
@keyframes slideUpFade {
  from {
    opacity: 0;
    transform: translateY(60px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideDownFade {
  from {
    opacity: 0;
    transform: translateY(-60px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideLeftFade {
  from {
    opacity: 0;
    transform: translateX(-60px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes slideRightFade {
  from {
    opacity: 0;
    transform: translateX(60px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes zoomInFade {
  from {
    opacity: 0;
    transform: scale(0.9);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

@keyframes bounceIn {
  0% {
    opacity: 0;
    transform: translateY(40px) scale(0.95);
  }
  50% {
    opacity: 1;
  }
  100% {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@keyframes rotateIn {
  0% {
    opacity: 0;
    transform: rotate(-10deg) translateY(30px);
  }
  100% {
    opacity: 1;
    transform: rotate(0) translateY(0);
  }
}

@keyframes flipIn {
  0% {
    opacity: 0;
    transform: perspective(400px) rotateX(90deg);
  }
  100% {
    opacity: 1;
    transform: perspective(400px) rotateX(0deg);
  }
}

@keyframes pulse {
  0%, 100% {
    box-shadow: 0 0 0 0 rgba(0, 184, 158, 0.7);
  }
  50% {
    box-shadow: 0 0 0 15px rgba(0, 184, 158, 0);
  }
}

@keyframes swing {
  20% {
    transform: rotate(15deg);
  }
  40% {
    transform: rotate(-10deg);
  }
  60% {
    transform: rotate(5deg);
  }
  80% {
    transform: rotate(-5deg);
  }
  100% {
    transform: rotate(0deg);
  }
}

@keyframes slideUpBounce {
  0% {
    opacity: 0;
    transform: translateY(60px);
  }
  60% {
    opacity: 1;
    transform: translateY(-10px);
  }
  100% {
    opacity: 1;
    transform: translateY(0px);
  }
}

@keyframes shine {
  0% {
    background-position: -1000px 0;
  }
  100% {
    background-position: 1000px 0;
  }
}

@keyframes float {
  0%, 100% {
    transform: translateY(0px);
  }
  50% {
    transform: translateY(-20px);
  }
}

/* Animation utility classes */
.animate-up {
  animation: slideUpFade 0.7s ease-out forwards;
}

.animate-down {
  animation: slideDownFade 0.7s ease-out forwards;
}

.animate-left {
  animation: slideLeftFade 0.7s ease-out forwards;
}

.animate-right {
  animation: slideRightFade 0.7s ease-out forwards;
}

.animate-zoom {
  animation: zoomInFade 0.7s ease-out forwards;
}

.animate-bounce {
  animation: bounceIn 0.8s cubic-bezier(0.68, -0.55, 0.265, 1.55) forwards;
}

/* Stagger delays for multiple elements */
.stagger-1 { animation-delay: 0.1s; }
.stagger-2 { animation-delay: 0.2s; }
.stagger-3 { animation-delay: 0.3s; }
.stagger-4 { animation-delay: 0.4s; }
.stagger-5 { animation-delay: 0.5s; }
.stagger-6 { animation-delay: 0.6s; }

/* Default state before animation */
.animate-on-scroll {
  opacity: 0;
}

/* Section animations */
section {
  opacity: 0;
  animation: slideUpFade 0.8s ease-out forwards;
}

section.animated {
  opacity: 1;
}

.loan-card {
  animation: slideUpBounce 0.7s cubic-bezier(0.68, -0.55, 0.265, 1.55) forwards;
  opacity: 0;
  position: relative;
  transition: all 0.4s ease;
  transform-origin: center;
}

.loan-card.animated {
  opacity: 1;
}



.loan-card:hover::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(45deg, transparent 30%, rgba(255,255,255,0.1) 50%, transparent 70%);
  animation: shine 0.6s ease-in-out;
}

/* Pulse effect on feature cards */
.loan-card .card-icon {
  animation: pulse 2s infinite;
  transition: all 0.3s ease;
}

.loan-card:hover .card-icon {
  animation: swing 0.6s ease-in-out;
}

/* Individual card stagger with advanced animation */
.loan-card:nth-child(1) { animation-delay: 0.1s; }
.loan-card:nth-child(2) { animation-delay: 0.2s; }
.loan-card:nth-child(3) { animation-delay: 0.3s; }
.loan-card:nth-child(4) { animation-delay: 0.4s; }
.loan-card:nth-child(5) { animation-delay: 0.5s; }
.loan-card:nth-child(6) { animation-delay: 0.6s; }

.purpose-item {
  animation: slideUpFade 0.6s ease-out forwards;
  opacity: 0;
}

.purpose-item.animated {
  opacity: 1;
}

.blog-card {
  animation: slideUpFade 0.6s ease-out forwards;
  opacity: 0;
}

.blog-card.animated {
  opacity: 1;
}

.step-item {
  animation: slideUpFade 0.6s ease-out forwards;
  opacity: 0;
}

.step-item.animated {
  opacity: 1;
}

.accordion-item {
  animation: slideUpFade 0.6s ease-out forwards;
  opacity: 0;
}

.accordion-item.animated {
  opacity: 1;
}


 /* ===== LOANS COMPARISON SECTION (lc- namespace to avoid conflicts) ===== */
  .lc-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #fafbfd 0%, #f5f7fb 100%);
  }

  .lc-container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 24px;
  }

  .lc-header {
    text-align: center;
    margin-bottom: 60px;
  }

  .lc-header h1 {
    font-size: 42px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    line-height: 1.2;
    text-transform: none;
  }

  .lc-header p {
    font-size: 18px;
    color: var(--muted);
    margin: 0;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    text-transform: none;
  }

  .lc-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 32px;
    margin-bottom:0px;
  }

  .lc-card {
    background: var(--white);
    border: 1px solid #e8ecf1;
    border-radius: 16px;
    padding: 36px;
    transition: all 0.35s cubic-bezier(0.22, 0.9, 0.32, 1);
    cursor: pointer;
    position: relative;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(13,42,74,0.06);
  }

  .lc-card:hover {
    border-color: var(--blue);
    box-shadow: 0 12px 32px rgba(13,42,74,0.15);
    transform: translateY(-6px);
  }

  .lc-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, #0F6E56, #1D9E75);
  }

  .lc-card:nth-child(2)::before {
    background: linear-gradient(to bottom, #185FA5, #378ADD);
  }

  .lc-card-content {
    margin-left: 12px;
  }

  .lc-card-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
  }

  .lc-card-icon {
    width: 45px;
    height: 45px;
    background: #E1F5EE;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 24px;
    color: #0F6E56;
  }

  .lc-card:nth-child(2) .lc-card-icon {
    background: #E6F1FB;
    color: #185FA5;
  }

  .lc-card-title {
    font-size: 24px;
    font-weight: 700;
    color: var(--navy);
    margin: 0;
    text-transform: none;
    letter-spacing: -0.5px;
  }

  .lc-card-description {
    font-size: 14px;
    color: var(--muted);
    margin: 0 0 28px;
    line-height: 1.7;
  }

  .lc-features {
    list-style: none;
    padding: 0;
    margin: 0 0 32px;
    display: flex;
    flex-direction: column;
    gap: 16px;
  }

  .lc-features li {
    display: flex;
    gap: 12px;
    font-size: 15px;
    color: var(--text);
    align-items: flex-start;
    line-height: 1.5;
  }

  .lc-features li::before {
    content: '✓';
    font-size: 18px;
    color: #0F6E56;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: -2px;
  }

  .lc-card:nth-child(2) .lc-features li::before {
    color: #185FA5;
  }

  .lc-card-button {
    width: 100%;
    padding: 14px 20px;
    background: transparent;
    border: 1.5px solid #0F6E56;
    border-radius: 10px;
    color: #0F6E56;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.25s ease;
    font-family: 'Poppins', sans-serif;
    display: block;
    text-align: center;
  }

  .lc-card:nth-child(2) .lc-card-button {
    border-color: #185FA5;
    color: #185FA5;
  }

  .lc-card-button:hover {
    background: #E1F5EE;
    transform: translateY(-2px);
  }

  .lc-card:nth-child(2) .lc-card-button:hover {
    background: #E6F1FB;
  }









  /* ===== LEDGER SHEET ===== */
        .ledger {
            background:#fff;
            border-radius: 4px;
            box-shadow: 0 30px 60px -20px rgba(0, 0, 0, 0.55);
            position: relative;
            overflow: hidden;
        }

        .ledger::before {
            content: "";
            position: absolute;
            top: 0; left: 0; right: 0;
            height: 4px;
            background: linear-gradient(90deg, var(--gold) 0%, var(--sage) 33%, var(--rust) 66%, var(--steel) 100%);
        }

        .loan-table {
            width: 100%;
            border-collapse: collapse;
        }

        .loan-table thead tr th {
            padding: 30px 22px 18px;
            text-align: left;
            border-bottom: 2px solid var(--ink);
        }

        .loan-table thead .col-label {
            display: block;            
            font-size: 11px;            
            text-transform: uppercase;
            color: var(--muted);
            margin-bottom: 6px;
        }

        .loan-table thead .col-name {
            display: block;            
            font-size: 16px;
            font-weight: 600;
            color: var(--ink);
        }

        .loan-table th:not(:first-child) {
            text-align: center;
            border-left: 1px dashed var(--paper-line);
        }

        .loan-table th:not(:first-child) .col-name::after {
            content: "";
            display: block;
            width: 22px;
            height: 2px;
            margin: 8px auto 0;
            border-radius: 2px;
        }

        .loan-table th[data-accent="gold"] .col-name::after { background: var(--gold); }
        .loan-table th[data-accent="steel"] .col-name::after { background: var(--steel); }
        .loan-table th[data-accent="sage"] .col-name::after { background: var(--sage); }

        .loan-table tbody tr {
            border-bottom: 1px solid var(--paper-line);
        }

        .loan-table tbody tr:last-child {
            border-bottom: none;
        }

        .loan-table td {
            padding: 20px 22px;
           
            font-size: 14.5px;
            font-variant-numeric: tabular-nums;
        }

        .loan-table td[data-label="Features"] {
            
            font-weight: 600;
            font-size: 14px;
            color: var(--ink);
            letter-spacing: 0.01em;
        }

        .loan-table td:not([data-label="Features"]) {
            text-align: center;
            color: var(--text);
            border-left: 1px dashed var(--paper-line);
        }

        /* ===== STAMP BADGE (signature element) ===== */
        .stamp {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            padding: 5px 14px 6px;
            border: 1.5px dashed currentColor;
            border-radius: 20px;
            
            font-size: 11.5px;
            font-weight: 600;
            letter-spacing: 0.09em;
            text-transform: uppercase;
            transform: rotate(-3deg);
        }

        .stamp-sage { color: var(--sage); background: var(--sage-bg); }
        .stamp-rust { color: var(--rust); background: var(--rust-bg); }
        .stamp-steel { color: var(--steel); background: var(--steel-bg); }

        .check-icon {
            font-size: 13px;
            color: var(--sage);
        }

        .cross-icon {
            font-size: 13px;
            color: var(--muted);
            opacity: 0.4;
        }

        /* ===== FOOT NOTE ===== */
        .foot-note {
            text-align: center;
            margin-top: 28px;
            
            font-size: 12px;
            letter-spacing: 0.05em;
            color: rgba(251, 248, 242, 0.4);
        }        

.rfh-section{
    position:relative;
    overflow:hidden;
    font-family:'Poppins', sans-serif;
    background:linear-gradient(160deg, var(--navy, #0D2A4A) 0%, #081c33 65%, #061627 100%);
    padding:50px 20px;
    isolation:isolate;
  }
  .rfh-glow{
    position:absolute;
    top:-140px;
    right:-120px;
    width:420px;
    height:420px;
    border-radius:50%;
    background:radial-gradient(circle, rgba(0,145,214,.35) 0%, rgba(0,145,214,0) 70%);
    z-index:0;
  }
  .rfh-container{
    position:relative;
    z-index:1;
    max-width:900px;
    margin:0 auto;
    text-align:center;
  }
  .rfh-eyebrow{
    display:inline-block;
    font-size:12.5px;
    font-weight:600;
    letter-spacing:.14em;
    text-transform:uppercase;
    color:var(--gold, #f0a942);
    margin-bottom:16px;
  }
  .rfh-heading{
    font-family:'Poppins', sans-serif;
    text-transform:none!important;
    font-size:20px!important;
    line-height:1.32;
    font-weight:700;
    color:#fff;
    margin-bottom:40px!important;
  }
  .rfh-highlight{
    color:var(--gold, #f0a942);
    display:inline-block;
    margin-right:6px;
  }
 
  .rfh-badges{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:18px;
    margin-bottom:40px;
  }
  .rfh-badge{
    background:rgba(255,255,255,.06);
    border:1px solid rgba(255,255,255,.12);
    border-radius:16px;
    padding:24px 18px;
    text-align:left;
    display:flex;
    gap:14px;
    align-items:flex-start;
    backdrop-filter:blur(4px);
    transition:.25s ease;
  }
  .rfh-badge:hover{
    background:rgba(255,255,255,.1);
    transform:translateY(-4px);
  }
  .rfh-badge-icon{
    flex:0 0 auto;
    width:42px;
    height:42px;
    border-radius:12px;
    background:var(--gold, #f0a942);
    color:var(--navy, #0D2A4A);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:16px;
  }
  .rfh-badge-text h4{
    font-family:'Poppins', sans-serif;
    text-transform:none!important;
    font-size:15px!important;
    color:#fff;
    margin-bottom:4px!important;
  }
  .rfh-badge-text p{
    font-size:12.5px;
    line-height:1.55;
    color:rgba(255,255,255,.65);
    margin:0;
  }
 
  .rfh-cta-row{
    display:flex;
    justify-content:center;
    align-items:center;
    gap:16px;
    flex-wrap:wrap;
  }
  .rfh-cta-primary{
    display:inline-flex;
    align-items:center;
    gap:10px;
    background:var(--gold, #f0a942);
    color:var(--navy, #0D2A4A);
    font-weight:700;
    font-size:14.5px;
    text-decoration:none;
    padding:14px 30px;
    border-radius:999px;
    transition:.25s ease;
  }
  .rfh-cta-primary:hover{filter:brightness(1.08); transform:translateY(-2px);}
  .rfh-cta-secondary{
    display:inline-flex;
    align-items:center;
    color:#fff;
    font-weight:600;
    font-size:14.5px;
    text-decoration:none;
    padding:14px 26px;
    border-radius:999px;
    border:1px solid rgba(255,255,255,.3);
    transition:.25s ease;
  }
  .rfh-cta-secondary:hover{background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.5);}



  .sitemap-section {
        padding:50px 0 60px;
        background: #f6f8fc;
      }
      .sitemap-intro {
        text-align: center;
        max-width: 560px;
        margin: 0 auto 48px;
      }
      .sitemap-intro span {
        display: inline-block;
        font-size: 13px;
        font-weight: 700;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        color: #2f6fed;
        background: #e8f0ff;
        padding: 6px 16px;
        border-radius: 999px;
        margin-bottom: 14px;
      }
      .sitemap-intro h2 {
        font-size: 30px;
        margin: 0 0 10px;
        color: #10182b;
      }
      .sitemap-intro p {
        color: #667085;
        font-size: 15px;
        line-height: 1.6;
        margin: 0;
      }
      .sitemap-grid {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 28px;
        max-width: 1080px;
        margin: 0 auto;
      }

      .sitemap-card {
        background: #ffffff;
        border: 1px solid #eef1f6;
        border-radius: 18px;
        padding: 36px 32px;
        box-shadow: 0 6px 24px rgba(20, 40, 90, 0.06);
      }
      .sitemap-card-head {
        display: flex;
        align-items: center;
        gap: 14px;
        margin-bottom: 26px;
      }
      .sitemap-card-icon {
        width: 46px;
        height: 46px;
        flex-shrink: 0;
        border-radius: 12px;
        display: flex;
        align-items: center;
        justify-content: center;
        background: linear-gradient(135deg, #2f6fed, #5b9bff);
        color: #fff;
      }
      .sitemap-card-icon svg {
        width: 22px;
        height: 22px;
      }
      .sitemap-card-head h3 {
        margin: 0;
        font-size: 19px;
        color: #10182b;
      }
      .sitemap-card-head .count {
        display: block;
        font-size: 12.5px;
        color: #98a2b3;
        margin-top: 2px;
      }
      .sitemap-list {
        list-style: none;
        margin: 0;
        padding: 0;
        display: flex;
        flex-direction: column;
      }
      .sitemap-list li {
        border-top: 1px solid #f0f2f7;
      }
      .sitemap-list li:first-child {
        border-top: none;
      }
      .sitemap-list li a {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 12px;
        padding: 13px 4px;
        color: #344054;
        font-weight: 500;
        font-size: 15.5px;
        text-decoration: none;
        transition: color 0.18s ease, transform 0.18s ease;
      }
      .sitemap-list li a::after {
        content: "\2192";
        color: #2f6fed;
        font-weight: 700;
        opacity: 0;
        transform: translateX(-4px);
        transition: opacity 0.18s ease, transform 0.18s ease;
      }
      .sitemap-list li a:hover {
        color: #2f6fed;
        transform: translateX(2px);
      }
      .sitemap-list li a:hover::after {
        opacity: 1;
        transform: translateX(0);
      }



  /* ===== RESPONSIVE ===== */
  @media(max-width:980px){
    .landing-page .hero{padding:30px 0 30px;background-position:65% center;}
    .landing-page .hero .container, .landing-page .welcome .container, .landing-page .faq .container, .landing-page .unsecured .container{grid-template-columns:1fr;}
    .landing-page .hero-calc-card{margin:36px auto 0;min-width:320px;}
    .landing-page .lo-grid, .landing-page .features .container, .landing-page .core-value .container, .landing-page .testi .container{grid-template-columns:1fr;}
    .landing-page .features-media, .landing-page .lo-media{order:-1;}
    .landing-page .step-grid{grid-template-columns:repeat(2,1fr);row-gap:44px;}
        .landing-page .step-grid-home{grid-template-columns:repeat(2,1fr) !important;row-gap:44px;}
    .landing-page .step-item:nth-child(2)::after{display:none;}
    .landing-page .step-item::after{display:none;}
    .landing-page .blog-grid{grid-template-columns:repeat(2,1fr);}    
    .landing-page .stat-cards{margin-top:20px;}
    .quick-contact-grid{grid-template-columns:repeat(2,1fr);}
    .hero-grid-c{grid-template-columns:1fr;}
    .hero-visual{min-height:220px;order:-1;}
    .contact-hero h1{font-size:40px;}
    .company-grid{grid-template-columns:1fr;gap:44px;}
    .office-wrap{grid-template-columns:1fr;}
    .map-area{min-height:260px;}
    .form-help-grid{grid-template-columns:1fr;}
    .hero-dots{display:none;}
    .about-hero{padding:28px 0 80px;}
    .about-hero-grid{grid-template-columns:1fr;gap:34px;}
    .about-hero-media{order:-1;}
    .about-hero-copy h1{font-size:30px;}
    .stats-bar{margin-top:-48px;padding:28px 22px;}
    .stats-grid{grid-template-columns:repeat(2,1fr);gap:24px;}
    .our-story{padding:70px 0 50px;}
    .story-grid{grid-template-columns:1fr;gap:20px;}
    .values-grid{grid-template-columns:repeat(3,1fr);}
    .team-card{flex:0 0 200px;}
    .timeline{grid-template-columns:repeat(3,1fr);row-gap:34px;}
    .timeline::before{display:none;}
    .about-cta{padding:28px 26px;justify-content:center;text-align:center;}
    .bcl-features-grid{grid-template-columns:1fr; max-width:420px; margin:0 auto;}
    .bcl-intro-grid{grid-template-columns:1fr;}
    .bcl-intro-imgs{padding:30px 0 60px; margin-bottom:10px;}
    .bcl-intro-imgs::before{width:180px; height:180px; left:-50px;}
    .bcl-intro-img-main{width:100%;}
    .bcl-intro-img-sub{width:50%; bottom:-10%;}
    .bcl-benefits-section{grid-template-columns:1fr;}
    .bcl-benefits-img{min-height:260px;}
    .bcl-benefits-img svg{display:none;}
    .bcl-calc-wrap{grid-template-columns:1fr; margin-top:clamp(-30px,-4vw,-40px);}
    .bcl-faq-section{grid-template-columns:1fr;}
    .bcl-faq-call-img{min-height:260px;}
    .about-hero-v2{ min-height: 480px; padding: 50px 0; }
    .hero-v2-overlay{ clip-path: polygon(0 0, 100% 0%, 100% 78%, 0% 100%); opacity: .93; }
    .hero-v2-grid{ max-width: 100%; padding-left: 20px; padding-right: 20px; text-align: left; }
    .hero-v2-copy h1{ font-size: 30px; }
    .hero-dots-grid{ display: none; }
    .hero-decor-circle{ display: none; }
    .hero-decor-dot{ display: none; }
    .blg-layout{ grid-template-columns:1fr; gap:30px; }
    .feature-list{flex-direction:column;align-items:flex-start;}
    .bp-layout{grid-template-columns:1fr; gap:30px;}
    .bp-benefits{grid-template-columns:repeat(3,1fr);}
    .apn-hero .container{grid-template-columns:1fr;text-align:center;min-height:auto;}
    .apn-hero p{margin:0 auto; font-size:14.5px;}
    .apn-hero-visual{margin-top:20px;justify-content:center;height:260px;}
    .apn-hero-doc{right:2%;}
    .apn-steps{grid-template-columns:repeat(2,1fr);}
    .apn-step:nth-child(2)::after,.apn-step:nth-child(4)::after{display:none;}
    .apn-main-grid{grid-template-columns:1fr;}
    .apn-info-grid{grid-template-columns:1fr;}
    .apn-cta{justify-content:center;text-align:center;}
    .apn-cta-left{flex-direction:column;}
    .apn-cta-btn-menu{display: none !important;}

    .loan-grid {
                grid-template-columns: 1fr;
            }

            .card-value {
                font-size: 15px;
            }

            .summary-section {
                padding: 24px;
            }

.lc-section {
      padding: 60px 0;
    }

    .lc-header h1 {
      font-size: 32px;
    }

    .lc-header p {
      font-size: 16px;
    }

    .lc-grid {
      gap: 24px;
      grid-template-columns: 1fr;
    }

    .lc-card {
      padding: 28px;
    }

    .lc-card-header {
      gap: 14px;
    }

    .lc-card-icon {
      width: 48px;
      height: 48px;
      font-size: 24px;
    }

    .lc-card-title {
      font-size: 20px;
    }




     .ledger {
                background: transparent;
                box-shadow: none;
                border-radius: 0;
                overflow: visible;
            }

            .ledger::before {
                display: none;
            }

            .loan-table,
            .loan-table thead,
            .loan-table tbody,
            .loan-table th,
            .loan-table td,
            .loan-table tr {
                display: block;
            }

            .loan-table thead {
                display: none;
            }

            .loan-table {
                display: flex;
                flex-direction: column;
                gap: 18px;
            }

            .loan-table tbody {
                display: contents;
            }

            .loan-table tr {
                background: var(--paper);
                border-radius: 10px;
                overflow: hidden;
                box-shadow: 0 12px 28px -14px rgba(0, 0, 0, 0.5);
                position: relative;
            }

            .loan-table tr::before {
                content: "";
                position: absolute;
                top: 0; left: 0; bottom: 0;
                width: 4px;
            }

            .loan-table tr[data-accent="gold"]::before { background: var(--gold); }
            .loan-table tr[data-accent="steel"]::before { background: var(--steel); }
            .loan-table tr[data-accent="sage"]::before { background: var(--sage); }

            .loan-table td {
                display: flex;
                justify-content: space-between;
                align-items: center;
                padding: 13px 18px 13px 22px;
                border: none !important;
                text-align: left !important;
                font-size: 13.5px;
            }

            .loan-table td:not(:last-child) {
                border-bottom: 1px dashed var(--paper-line) !important;
            }

            .loan-table td[data-label="Features"] {
                background: var(--ink);
                color: var(--paper);
                
                font-weight: 600;
                font-size: 16px;
                padding-left: 22px;
                letter-spacing: 0;
            }

            .loan-table td::before {
                content: attr(data-label);
                
                color: var(--muted);
                font-weight: 500;
                font-size: 11px;
                letter-spacing: 0.06em;
                text-transform: uppercase;
                margin-right: 12px;
            }

            .loan-table td[data-label="Features"]::before {
                content: "";
                margin: 0;
            }

.rfh-badges{grid-template-columns:1fr;}
    .rfh-heading{font-size:26px!important;}
    .dreams-stats {
    grid-auto-flow: row !important;}

.sitemap-grid {
          grid-template-columns: 1fr;
        }
.mobile-drawer nav a{font-size:13px!important;}
.btn{font-size:13px!important;}          

  }
  @media(max-width:680px){
    .landing-page{font-size:15px;}
    .landing-page .welcome, .landing-page .features, .landing-page .steps, .landing-page .core-value, .landing-page .faq, .landing-page .testi, .landing-page .unsecured, .landing-page .blog{padding:70px 0;}
    .landing-page .check-list{grid-template-columns:1fr;}
    .landing-page .blog-grid{grid-template-columns:1fr;}
    .landing-page .step-grid{grid-template-columns:1fr;}
        .landing-page .step-grid-home{grid-template-columns:1fr !important;}      
    .landing-page .cta-banner .container{flex-direction:column;text-align:center;}
    .landing-page .exp-badge{left:0;bottom:-20px;padding:16px 20px;}
    .landing-page .un-badge{left:0;bottom:-20px;padding:18px 22px;}
    .landing-page .wm-grid{grid-template-columns:1fr 1fr;}
    .landing-page .hero-text p{font-size:14.5px;}
    .quick-contact-grid{grid-template-columns:1fr;}
    .hero-grid-c{grid-template-columns:1fr;}
    .hero-visual{min-height:220px;order:-1;}
    .contact-hero h1{font-size:40px;}
    .company-grid{grid-template-columns:1fr;gap:44px;}
    .office-wrap{grid-template-columns:1fr;}
    .map-area{min-height:260px;}
    .form-help-grid{grid-template-columns:1fr;}
    .form-row{grid-template-columns:1fr;gap:12px;margin-bottom:12px;}
    .about-hero{padding:24px 0 64px;}
    .about-hero-copy h1{font-size:25px;}
    .about-hero-copy p{font-size:14.5px;max-width:none;} 
    .stats-bar{border-radius:14px;margin-top:-40px;padding:22px 18px;}
    .stats-grid{grid-template-columns:1fr;gap:18px;}
    .our-story{padding:56px 0 40px;}
    .story-copy h2{font-size:24px;}
    .mv-card{padding:26px 18px;}
    .our-values{padding:44px 0 60px;}
    .values-grid{grid-template-columns:repeat(2,1fr);gap:16px;}
    .team-section{padding:50px 0;}
    .team-section h2{font-size:23px;}
    .team-grid{gap:14px;}
    .team-card{flex:0 0 180px;padding:22px 16px;}
    .journey{padding:56px 0 40px;}
    .journey h2{font-size:23px;margin-bottom:34px;}
    .timeline{grid-template-columns:repeat(2,1fr);row-gap:28px;}
    .about-cta{flex-direction:column;text-align:center;margin:14px auto 50px;border-radius:14px;padding:26px 22px;}
    .about-cta .btn-white{width:100%;justify-content:center;}
    .trusted-strip{padding:0 0 44px;}
    .trusted-logos{gap:26px;}
    .trusted-logos span{font-size:14px;}
    .bcl-services-grid{grid-template-columns:1fr; max-width:380px; margin:0 auto;}
    .bcl-cta-strip .bcl-container{flex-direction:column; text-align:center;}
    .bcl-calc-row{font-size:13px;}
    .bcl-page-title{background-position:center;}
    .bcl-calc-left, .bcl-calc-right{padding:26px 22px;}
    .bcl-faq-section{gap:30px;padding: 30px;}
    .bcl-faq-item{padding:15px 16px;}
    .bcl-faq-call-img{min-height:220px;}
    .bcl-faq-call-bar{padding:13px 16px;}
    .blg-articles-head{ flex-direction:column; align-items:flex-start; gap:14px; height:auto; }
    .blg-search{ width:100%; flex:none; min-width:0; height:46px; box-sizing:border-box; }
    .blg-search input{ min-width:0; }
    .blg-card{ flex-direction:column; }
    .blg-card-img{ width:100%; }
    .blg-help{ flex-direction:column; text-align:center; padding:28px 22px; }
    .blg-help-actions{ justify-content:center; }
    .blg-help-icon{ display:none; }
    .blg-features{ grid-template-columns:1fr 1fr; }
    .about-hero-v2{ min-height: 360px; padding: 40px 0; }
    .hero-v2-overlay{ clip-path: polygon(0 0, 100% 0%, 100% 88%, 0% 100%); }
    .hero-v2-copy h1{ font-size: 26px; }
    .hero-v2-copy p{ font-size: 14.5px; }
    .hero-v2-btn{padding:14px 26px;font-size:14px;}
    .feature-list{flex-direction:column;align-items:flex-start;}
    .bp-hero{min-height:auto; padding:34px 0 26px;}
    .bp-benefits{grid-template-columns:repeat(2,1fr);}
    .bp-steps{gap:10px;}
    .bp-questions{flex-direction:column; text-align:center; align-items:center;}
    .bp-questions .shield{display:none;}
    .bp-cta{flex-direction:column; text-align:center;}
    .btn-white{width:100%; justify-content:center;}
    .bp-meta{gap:14px; font-size:12px;}
    .bp-crumb{font-size:12px;}
    .apn-hero h1{font-size:32px;}
    .apn-hero-doc{width:130px;padding:14px 12px;}
    .apn-hero-check{width:40px;height:40px;font-size:16px;}
    .apn-hero-ring{width:120px;height:120px;}
    .apn-steps{grid-template-columns:1fr;}
    .apn-step::after{display:none;}
    .apn-row{grid-template-columns:1fr;}
    .apn-card{padding:20px;}
    .apn-cta{padding:24px 20px;}
    .apn-cta-btn-menu{display: none !important;}

    .loan-section {
      padding: 40px 0;
    }

    .loan-header h1 {
      font-size: 24px;
    }

    .loan-cards-grid {
      grid-template-columns: 1fr;
      gap: 14px;
    }

    .loan-card {
      padding: 22px 18px;
    }

    .loan-card-value {
      font-size: 22px;
    }

    .loan-card-label {
      font-size: 11px;
    }

    .lc-section {
      padding: 60px 0;
    }

    .lc-header h1 {
      font-size: 32px;
    }

    .lc-header p {
      font-size: 16px;
    }

    .lc-grid {
      gap: 24px;
      grid-template-columns: 1fr;
    }

    .lc-card {
      padding: 28px;
    }

    .lc-card-header {
      gap: 14px;
    }

    .lc-card-icon {
      width: 48px;
      height: 48px;
      font-size: 24px;
    }

    .lc-card-title {
      font-size: 20px;
    }
    .rfh-section{padding:56px 16px;}
    .rfh-heading{font-size:22px!important;}
    .rfh-cta-row{flex-direction:column;}
    .rfh-cta-primary, .rfh-cta-secondary{width:100%; justify-content:center;}
    .dreams-stats {
    grid-auto-flow: row !important;}
    .sitemap-grid{grid-template-columns:1fr;}
    .mobile-drawer nav a{font-size:13px!important;} 
    .btn{font-size:13px!important;} 
  }
  @media(max-width:400px){
    .landing-page .hero-text h1{font-size:18px;}    
    .landing-page .hero-calc-card{padding:24px 20px;}
    .form-row{grid-template-columns:1fr;gap:12px;margin-bottom:12px;}
    .values-grid{grid-template-columns:1fr;}
    .timeline{grid-template-columns:1fr;}
    .stat-item{gap:10px;}
    .stat-item h3{font-size:19px;}
    .bcl-stat-circle{width:80px; height:80px;}
    .bcl-stat-circle span{font-size:17px;}
    .bcl-intro-feats{gap:18px;}
    .bcl-intro-feats div{max-width:135px; font-size:12.5px;}
    .bcl-faq-item{font-size:13px; padding:14px 16px;}
    .bcl-feature-caption{font-size:12.5px; padding:13px 16px;}
    .bcl-calc-range-labels{font-size:11px;}
    .bcl-calc-range-labels span:nth-child(2){font-size:13px; min-width:50px;}
    .bcl-faq-item .bcl-faq-q{font-size:13px;}
    .bcl-faq-answer{font-size:12.5px;}
    .bcl-faq-call-bar b{font-size:14px;}
    .blg-features{ grid-template-columns:1fr; }
    .blg-pagination{ gap:6px; }
    .blg-pagination button{width:34px;height:34px;font-size:13px;}
    .about-hero-v2{ min-height: 300px; padding: 32px 0; }
    .hero-v2-grid{ padding-left: 16px; padding-right: 16px; }
    .hero-v2-copy h1{ font-size: 22px; }
    .hero-v2-badge{ padding: 9px 18px; font-size: 13px; }
    .feature-list {flex-direction:column;align-items:flex-start;}
    .bp-benefits{grid-template-columns:1fr 1fr;}
    .apn-hero h1{font-size:32px;}
    .apn-hero-doc{width:130px;padding:14px 12px;}
    .apn-hero-check{width:40px;height:40px;font-size:16px;}
    .apn-hero-ring{width:120px;height:120px;}
    .apn-steps{grid-template-columns:1fr;}
    .apn-step::after{display:none;}
    .apn-row{grid-template-columns:1fr;}
    .apn-card{padding:20px;}
    .apn-cta{padding:24px 20px;}
    .apn-cta-btn-menu{display: none !important;}

    .loan-section {
      padding: 40px 0;
    }

    .loan-header h1 {
      font-size: 24px;
    }

    .loan-cards-grid {
      grid-template-columns: 1fr;
      gap: 14px;
    }

    .loan-card {
      padding: 22px 18px;
    }

    .loan-card-value {
      font-size: 22px;
    }

    .loan-card-label {
      font-size: 11px;
    }

    .lc-section {
      padding: 60px 0;
    }

    .lc-header h1 {
      font-size: 32px;
    }

    .lc-header p {
      font-size: 16px;
    }

    .lc-grid {
      gap: 24px;
      grid-template-columns: 1fr;
    }

    .lc-card {
      padding: 28px;
    }

    .lc-card-header {
      gap: 14px;
    }

    .lc-card-icon {
      width: 48px;
      height: 48px;
      font-size: 24px;
    }

    .lc-card-title {
      font-size: 20px;
    }
    .rfh-section{padding:56px 16px;}
    .rfh-heading{font-size:22px!important;}
    .rfh-cta-row{flex-direction:column;}
    .rfh-cta-primary, .rfh-cta-secondary{width:100%; justify-content:center;}
    .dreams-stats {
    grid-auto-flow: row !important;}
    .sitemap-grid {
          grid-template-columns: 1fr;
        }
    .mobile-drawer nav a{font-size:13px!important;}
    .btn{font-size:13px!important;}    
  }