/* =====================================================================
   Alliance Savings website
   Palette: Harbor navy, steel blue, signal green, brass, cool paper.
   Type: a serif display face for headlines, the system sans for reading.
   No external fonts or libraries, so nothing third-party can block or slow it.
   ===================================================================== */

:root {
  --ink: #0C2238;
  --ink-2: #143552;
  --ink-3: #1D4A70;
  --sky: #EAF1F7;
  --paper: #F6F9FB;
  --white: #FFFFFF;
  --text: #10202F;
  --muted: #566879;
  --line: #DCE5EC;
  --green: #0B7A5A;
  --green-dark: #086149;
  --green-soft: #DDF1EA;
  --gold: #C8962E;
  --gold-light: #E8C26E;
  --wa: #0F7F42;
  --wa-dark: #0B6A36;
  --danger: #A8352B;

  --display: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --radius: 18px;
  --shadow-soft: 0 1px 2px rgba(12, 34, 56, .05), 0 8px 24px -12px rgba(12, 34, 56, .18);
  --shadow-lift: 0 2px 4px rgba(12, 34, 56, .06), 0 24px 40px -20px rgba(12, 34, 56, .3);
  --ease: cubic-bezier(.16, 1, .3, 1);
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--body);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--ink-3); }
h1, h2, h3 { font-family: var(--display); font-weight: 600; color: var(--ink); margin: 0; letter-spacing: -.015em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.5rem); line-height: 1.15; }
h3 { font-size: 1.25rem; line-height: 1.25; }
p { margin: 0 0 1em; }
[id] { scroll-margin-top: calc(var(--header-h) + 12px); }

.wrap { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 92px 0; }
.section-head { max-width: 640px; margin-bottom: 44px; }
.section-head p { color: var(--muted); font-size: 1.125rem; margin-top: 14px; }

.icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; flex: none; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 200; transition: top .2s; }
.skip-link:focus { top: 12px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 24px; border-radius: 12px; border: 2px solid transparent;
  font: 600 1rem/1.2 var(--body); text-decoration: none; cursor: pointer;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background-color .2s, border-color .2s, color .2s;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn .icon { width: 20px; height: 20px; }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: var(--ink-3); box-shadow: var(--shadow-lift); }
.btn-wa { background: var(--wa); color: #fff; }
.btn-wa:hover { background: var(--wa-dark); box-shadow: var(--shadow-lift); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { box-shadow: var(--shadow-lift); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .65; cursor: progress; transform: none; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100; height: var(--header-h);
  background: rgba(246, 249, 251, .88); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid transparent; transition: border-color .25s, box-shadow .25s, background-color .25s;
}
.site-header.scrolled { border-bottom-color: var(--line); box-shadow: 0 6px 24px -16px rgba(12, 34, 56, .35); background: rgba(255, 255, 255, .94); }
.header-row { height: 100%; display: flex; align-items: center; gap: 28px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; }
.brand img { width: 38px; height: 38px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font: 700 1.2rem/1 var(--display); color: var(--ink); letter-spacing: .01em; }
.brand-sub { font: 600 .72rem/1.3 var(--body); color: var(--gold); letter-spacing: .32em; text-transform: uppercase; margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .98rem; position: relative; padding: 6px 0; }
.nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease); }
.nav a:hover::after { transform: scaleX(1); }
.header-cta { padding: 10px 18px; font-size: .95rem; }
.menu-btn { display: none; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer; border-radius: 10px; position: relative; }
.menu-btn span { position: absolute; left: 11px; right: 11px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s, top .3s var(--ease); }
.menu-btn span:nth-child(1) { top: 15px; }
.menu-btn span:nth-child(2) { top: 21px; }
.menu-btn span:nth-child(3) { top: 27px; }
.menu-btn[aria-expanded="true"] span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { top: 21px; transform: rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; padding: 64px 0 96px; background: linear-gradient(180deg, var(--paper) 0%, var(--sky) 100%); }
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.orb { position: absolute; border-radius: 50%; will-change: transform; }
.o1 { width: 560px; height: 560px; top: -180px; right: 4%; background: radial-gradient(circle at 35% 35%, rgba(200, 150, 46, .30), transparent 68%); animation: drift1 22s ease-in-out infinite alternate; }
.o2 { width: 680px; height: 680px; bottom: -280px; left: -160px; background: radial-gradient(circle at 60% 40%, rgba(29, 74, 112, .24), transparent 68%); animation: drift2 26s ease-in-out infinite alternate; }
.o3 { width: 420px; height: 420px; top: 36%; left: 38%; background: radial-gradient(circle, rgba(11, 122, 90, .14), transparent 68%); animation: drift3 19s ease-in-out infinite alternate; }
@keyframes drift1 { to { transform: translate3d(-70px, 60px, 0) scale(1.1); } }
@keyframes drift2 { to { transform: translate3d(90px, -50px, 0) scale(1.06); } }
@keyframes drift3 { to { transform: translate3d(-50px, -40px, 0) scale(.92); } }

.hero-grid { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: 56px; align-items: center; }
.hero-title { font-size: clamp(2.3rem, 5vw, 3.9rem); line-height: 1.07; letter-spacing: -.025em; }
.hero-title .line { display: block; overflow: hidden; padding-bottom: .1em; margin-bottom: -.1em; }
.hero-title .line > span { display: block; transform: translateY(110%); animation: rise .95s var(--ease) forwards; animation-delay: calc(var(--i, 0) * .1s + .1s); }
@keyframes rise { to { transform: translateY(0); } }
.hero-sub { font-size: 1.2rem; color: var(--muted); max-width: 33em; margin: 22px 0 28px; opacity: 0; animation: fadeUp .8s var(--ease) .55s forwards; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; opacity: 0; animation: fadeUp .8s var(--ease) .7s forwards; }
.hero-points { list-style: none; padding: 0; margin: 34px 0 0; display: grid; gap: 12px; opacity: 0; animation: fadeUp .8s var(--ease) .85s forwards; }
.hero-points li { display: flex; align-items: center; gap: 12px; font-weight: 500; }
.hero-points .icon { color: var(--green); width: 22px; height: 22px; background: var(--green-soft); border-radius: 50%; padding: 4px; stroke-width: 2.5; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }

/* ---------- Estimator card ---------- */
.estimator { background: #fff; border-radius: 22px; padding: 32px; box-shadow: var(--shadow-lift), 0 0 0 1px rgba(12, 34, 56, .06); opacity: 0; animation: cardIn 1s var(--ease) .35s forwards; }
@keyframes cardIn { from { opacity: 0; transform: translateY(28px) scale(.98); } to { opacity: 1; transform: translateY(0) scale(1); } }
.est-title { font-size: 1.55rem; line-height: 1.2; }
.est-sub { color: var(--muted); font-size: .98rem; margin: 8px 0 22px; }
.field { display: block; margin-bottom: 18px; }
.field > span, .field > label { display: block; font-size: .92rem; font-weight: 600; color: var(--ink); margin-bottom: 7px; }
.field output { color: var(--green); font-weight: 700; }
input, select, textarea {
  width: 100%; font: 500 1rem/1.3 var(--body); color: var(--text); background: #fff;
  border: 1.5px solid #C9D6E0; border-radius: 10px; padding: 12px 14px; min-height: 48px;
  transition: border-color .2s, box-shadow .2s;
}
textarea { min-height: 112px; resize: vertical; line-height: 1.5; }
input:hover, select:hover, textarea:hover { border-color: #9FB3C4; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--ink-3); box-shadow: 0 0 0 4px rgba(29, 74, 112, .16); }
input[aria-invalid="true"], select[aria-invalid="true"], textarea[aria-invalid="true"] { border-color: var(--danger); }
input[type="range"] { padding: 0; min-height: 28px; accent-color: var(--green); cursor: pointer; border: 0; box-shadow: none; }
.money-input { position: relative; }
.money-input > b { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.money-input input { padding-left: 30px; }
.field-error { color: var(--danger); font-size: .9rem; font-weight: 600; margin: -6px 0 14px; }

.est-result { margin-top: 24px; padding-top: 24px; border-top: 1px dashed #BCCBD8; animation: pop .6s var(--ease); }
@keyframes pop { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
.est-big { font-family: var(--display); font-size: clamp(2.6rem, 6vw, 3.6rem); line-height: 1; color: var(--green); font-weight: 600; letter-spacing: -.02em; }
.est-big small { display: block; font: 500 .95rem/1.4 var(--body); color: var(--muted); letter-spacing: 0; margin-top: 6px; }
.est-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 18px 0 20px; }
.est-row div { background: var(--sky); border-radius: 12px; padding: 12px 14px; }
.est-row dt { font-size: .8rem; color: var(--muted); font-weight: 600; }
.est-row dd { margin: 2px 0 0; font: 600 1.3rem/1.2 var(--display); color: var(--ink); }
.fine { font-size: .82rem; color: var(--muted); margin: 14px 0 0; line-height: 1.5; }

/* ---------- Ticker ---------- */
.ticker { background: var(--ink); color: #D6E2EC; overflow: hidden; padding: 16px 0; }
.ticker-track { display: flex; width: max-content; animation: scroll 46s linear infinite; }
.ticker:hover .ticker-track { animation-play-state: paused; }
.ticker-group { display: flex; flex: none; }
.ticker-group span { display: flex; align-items: center; gap: 18px; padding-right: 18px; font-weight: 500; font-size: 1rem; white-space: nowrap; }
.ticker-group span::after { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
@keyframes scroll { to { transform: translateX(-50%); } }

/* ---------- Services (bento) ---------- */
.bento { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.tile:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); border-color: #BFD0DD; }
.tile-wide { grid-column: span 2; background: var(--sky); border-color: transparent; }
.tile-tall { grid-row: span 2; display: flex; flex-direction: column; }
.tile-icon { width: 52px; height: 52px; border-radius: 14px; background: var(--ink); color: var(--gold-light); display: grid; place-items: center; margin-bottom: 20px; transition: transform .4s var(--ease); }
.tile:hover .tile-icon { transform: rotate(-6deg) scale(1.06); }
.tile p { color: var(--muted); margin: 10px 0 0; }
.tile-loans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 24px; }
.tile-loans > div { background: rgba(255, 255, 255, .75); border-radius: 14px; padding: 18px; }
.tile-loans .icon { color: var(--ink-3); margin-bottom: 10px; }
.tile-loans h4 { font: 700 1.05rem/1.3 var(--display); color: var(--ink); margin: 0; }
.tile-loans p { font-size: .94rem; margin-top: 6px; }
.tile-list { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 10px; }
.tile-list li { display: flex; align-items: center; gap: 10px; font-weight: 500; padding: 10px 14px; background: var(--paper); border-radius: 10px; }
.tile-list .icon { width: 18px; height: 18px; color: var(--green); }
.tile-tall .tile-list { margin-top: auto; padding-top: 22px; }

/* ---------- How it works ---------- */
.how { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.step { position: relative; }
.step-num { position: relative; z-index: 1; width: 46px; height: 46px; border-radius: 50%; background: var(--ink); color: var(--gold-light); display: grid; place-items: center; font: 700 1.2rem/1 var(--display); margin-bottom: 22px; box-shadow: 0 0 0 6px #fff; }
.step:not(:last-child)::after { content: ""; position: absolute; top: 22px; left: 52px; right: -30px; height: 2px; background: linear-gradient(var(--green), var(--green)) 0 0 / 0% 100% no-repeat, var(--line); transition: background-size 1.1s var(--ease) .35s; }
.step.is-in:not(:last-child)::after, html:not(.js) .step:not(:last-child)::after { background-size: 100% 100%, auto; }
.step p { color: var(--muted); margin-top: 8px; }
.how-cta { margin-top: 48px; display: flex; flex-wrap: wrap; align-items: center; gap: 16px; }
.how-cta p { margin: 0; color: var(--muted); }

/* ---------- Tools (dark panel) ---------- */
.tools { background: var(--ink); color: #fff; position: relative; overflow: hidden; }
.tools::before { content: ""; position: absolute; width: 640px; height: 640px; right: -220px; top: -260px; border-radius: 50%; background: radial-gradient(circle, rgba(200, 150, 46, .22), transparent 66%); pointer-events: none; }
.tools h2 { color: #fff; }
.tools-grid { position: relative; display: grid; grid-template-columns: .9fr 1.1fr; gap: 60px; align-items: start; }
.tools-copy p { color: #B9CBDA; font-size: 1.12rem; margin-top: 16px; }
.tools-copy ul { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 14px; }
.tools-copy li { display: flex; gap: 12px; color: #E3ECF3; }
.tools-copy .icon { color: var(--gold-light); margin-top: 2px; width: 22px; height: 22px; }
.calc { background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .16); border-radius: 22px; padding: 30px; }
.calc .field > span, .calc .field > label { color: #D6E2EC; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.calc .hint { font-size: .82rem; color: #9DB3C5; font-weight: 400; margin-top: 6px; display: block; }
.calc-out { margin-top: 8px; background: rgba(255, 255, 255, .08); border-radius: 16px; padding: 22px; animation: pop .5s var(--ease); }
.out-main { font-family: var(--display); font-size: clamp(2.2rem, 5vw, 3rem); line-height: 1; color: var(--gold-light); font-weight: 600; }
.out-main small { display: block; font: 500 .92rem/1.4 var(--body); color: #B9CBDA; margin-top: 6px; }
.out-rows { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 18px 0; }
.out-rows div { border-top: 1px solid rgba(255, 255, 255, .16); padding-top: 10px; }
.out-rows dt { font-size: .8rem; color: #9DB3C5; font-weight: 600; }
.out-rows dd { margin: 2px 0 0; font: 600 1.25rem/1.2 var(--display); color: #fff; }
.out-save { background: rgba(11, 122, 90, .28); border: 1px solid rgba(94, 214, 170, .4); border-radius: 12px; padding: 12px 14px; margin-bottom: 16px; color: #E7F8F1; font-size: .98rem; }
.out-save strong { color: #fff; }
.calc .fine { color: #9DB3C5; }
.calc .field-error { color: #FFB4AA; }

/* ---------- Why us ---------- */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.why-item { padding: 8px 36px; border-left: 1px solid var(--line); }
.why-item:first-child { padding-left: 0; border-left: 0; }
.why-item:last-child { padding-right: 0; }
.why-item .icon { width: 30px; height: 30px; color: var(--green); margin-bottom: 16px; }
.why-item p { color: var(--muted); margin-top: 10px; }

/* ---------- Reviews (only shown when you add real ones) ---------- */

/* ---------- FAQ ---------- */
.faq-wrap { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 24px 0; font: 600 1.15rem/1.35 var(--display); color: var(--ink); }
.faq-q::after { content: ""; flex: none; width: 14px; height: 14px; background: linear-gradient(var(--ink), var(--ink)) center / 100% 2px no-repeat, linear-gradient(var(--ink), var(--ink)) center / 2px 100% no-repeat; transition: transform .35s var(--ease); }
.faq-item.open .faq-q::after { transform: rotate(135deg); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .4s var(--ease); }
.faq-item.open .faq-a { grid-template-rows: 1fr; }
.faq-a-inner { overflow: hidden; visibility: hidden; transition: visibility 0s .4s; }
.faq-item.open .faq-a-inner { visibility: visible; transition-delay: 0s; }
.faq-a-inner p { color: var(--muted); padding-bottom: 24px; margin: 0; max-width: 40em; }

/* ---------- Contact ---------- */
.contact { background: var(--sky); }
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: start; }
.contact-info p { color: var(--muted); font-size: 1.12rem; margin: 16px 0 26px; }
.contact-list { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 16px; }
.contact-list li { display: flex; align-items: center; gap: 14px; }
.contact-list .icon { color: var(--ink-3); width: 22px; height: 22px; }
.contact-list a { color: var(--ink); font-weight: 600; text-decoration: none; }
.contact-list a:hover { text-decoration: underline; }
.form { background: #fff; border-radius: 22px; padding: 34px; box-shadow: var(--shadow-soft); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.check { display: flex; gap: 12px; align-items: flex-start; margin: 4px 0 20px; font-size: .92rem; color: var(--muted); }
.check input { width: 20px; height: 20px; min-height: 0; margin-top: 2px; flex: none; accent-color: var(--green); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin: 16px 0 0; padding: 14px 16px; border-radius: 12px; font-weight: 500; font-size: .98rem; }
.form-status.ok { background: var(--green-soft); color: #064B37; }
.form-status.err { background: #FBE4E1; color: #7A231B; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #B9CBDA; padding: 64px 0 36px; font-size: .96rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
.site-footer .brand-name { color: #fff; }
.site-footer h3 { font: 700 .82rem/1 var(--body); letter-spacing: .14em; text-transform: uppercase; color: #fff; margin-bottom: 18px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-footer a { color: #B9CBDA; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-about { margin-top: 18px; max-width: 28em; }
.disclosure { margin-top: 44px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .14); font-size: .86rem; line-height: 1.65; color: #9DB3C5; }
.copyright { margin: 14px 0 0; font-size: .86rem; color: #9DB3C5; }

/* ---------- Floating WhatsApp ---------- */
.wa-float { position: fixed; right: 20px; bottom: 20px; z-index: 90; width: 58px; height: 58px; border-radius: 50%; background: var(--wa); color: #fff; display: grid; place-items: center; box-shadow: 0 10px 28px -8px rgba(11, 106, 54, .7); transition: transform .3s var(--ease), background-color .2s; animation: ring 3.2s ease-out 2.5s infinite; }
.wa-float:hover { transform: scale(1.08); background: var(--wa-dark); }
.wa-float .icon { width: 28px; height: 28px; stroke-width: 1.9; }
@keyframes ring { 0% { box-shadow: 0 10px 28px -8px rgba(11, 106, 54, .7), 0 0 0 0 rgba(15, 127, 66, .5); } 70%, 100% { box-shadow: 0 10px 28px -8px rgba(11, 106, 54, .7), 0 0 0 20px rgba(15, 127, 66, 0); } }

/* ---------- Scroll reveal (only active when JavaScript is running) ---------- */
.js [data-reveal] { opacity: 0; transform: translateY(26px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0s); }
.js [data-reveal].is-in { opacity: 1; transform: none; }

/* ---------- Legal & simple pages ---------- */
.legal { max-width: 780px; margin: 0 auto; padding: 64px 24px 96px; }
.legal h1 { font-size: clamp(2rem, 4.5vw, 3rem); line-height: 1.1; margin-bottom: 10px; }
.legal .updated { color: var(--muted); margin-bottom: 36px; }
.legal h2 { font-size: 1.45rem; margin: 40px 0 12px; }
.legal p, .legal li { color: #2A3C4B; }
.legal ul { padding-left: 22px; margin: 0 0 1em; }
.legal li { margin-bottom: 6px; }
.notfound { min-height: 70vh; display: grid; place-items: center; text-align: center; padding: 48px 24px; }
.notfound h1 { font-size: clamp(3rem, 9vw, 5.5rem); color: var(--gold); line-height: 1; }
.notfound p { color: var(--muted); margin: 14px 0 28px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid, .tools-grid, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .bento { grid-template-columns: 1fr 1fr; }
  .tile-wide { grid-column: span 2; }
  .tile-tall { grid-row: auto; }
  .tile-loans { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; gap: 28px; }
  .why-item, .why-item:first-child, .why-item:last-child { padding: 0; border-left: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child { grid-column: span 2; }
}
@media (max-width: 820px) {
  .menu-btn { display: block; }
  .nav { display: none; position: absolute; top: var(--header-h); left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; padding: 8px 24px 20px; border-bottom: 1px solid var(--line); box-shadow: 0 20px 30px -20px rgba(12, 34, 56, .35); }
  .nav.open { display: flex; animation: pop .3s var(--ease); }
  .nav a { padding: 15px 0; border-bottom: 1px solid var(--line); font-size: 1.05rem; }
  .nav a::after { display: none; }
  .steps { grid-template-columns: 1fr; gap: 0; }
  .step { padding-bottom: 36px; padding-left: 70px; }
  .step-num { position: absolute; left: 0; top: 0; margin: 0; }
  .step:not(:last-child)::after { top: 52px; left: 22px; right: auto; bottom: 6px; width: 2px; height: auto; background: linear-gradient(var(--green), var(--green)) 0 0 / 100% 0% no-repeat, var(--line); transition-property: background-size; }
  .step.is-in:not(:last-child)::after, html:not(.js) .step:not(:last-child)::after { background-size: 100% 100%, auto; }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .hero { padding: 40px 0 64px; }
  .header-cta { display: none; }
  .estimator, .form, .calc { padding: 24px 20px; }
  .bento { grid-template-columns: 1fr; }
  .tile-wide { grid-column: auto; }
  .form-row, .calc-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid > :first-child { grid-column: auto; }
  .wa-float { right: 14px; bottom: 14px; width: 54px; height: 54px; }
}

/* ---------- Respect people who turn animations off ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .hero-title .line > span, .hero-sub, .hero-actions, .hero-points, .estimator { opacity: 1; transform: none; }
  .js [data-reveal] { opacity: 1; transform: none; }
  .ticker-track { width: auto; flex-wrap: wrap; }
  .ticker-group:last-child { display: none; }
  .step:not(:last-child)::after { background-size: 100% 100%, auto !important; }
}

/* ---- Reviews ---- */
.reviews { background: #fff; border-top: 1px solid var(--line); }
.rv-layout { display: grid; grid-template-columns: 340px 1fr; gap: 32px; align-items: start; }
.rv-summary { background: var(--ink); color: #fff; border-radius: var(--radius); padding: 30px; position: sticky; top: calc(var(--header-h) + 16px); }
.rv-score { display: flex; align-items: baseline; gap: 10px; }
.rv-score strong { font-family: var(--display); font-size: 3.6rem; line-height: 1; }
.rv-score span { color: #B9C7D4; font-size: .95rem; }
.rv-stars { display: inline-flex; gap: 3px; vertical-align: middle; }
.rv-stars svg { width: 20px; height: 20px; fill: #3A5670; }
.rv-stars svg.on { fill: var(--gold-light); }
.rv-summary .rv-stars { margin: 12px 0 4px; }
.rv-summary .rv-stars svg { width: 26px; height: 26px; }
.rv-count { color: #B9C7D4; font-size: .95rem; margin: 0 0 22px; }
.rv-bars { list-style: none; margin: 0 0 24px; padding: 0; display: grid; gap: 9px; }
.rv-bars li { display: grid; grid-template-columns: 34px 1fr 30px; gap: 10px; align-items: center; font-size: .88rem; color: #D5DEE7; }
.rv-bars .bar { height: 8px; border-radius: 99px; background: #254663; overflow: hidden; }
.rv-bars .bar i { display: block; height: 100%; width: 0; background: var(--gold-light); border-radius: 99px; transition: width 1s var(--ease); }
.rv-bars .bar.go i { width: var(--w); }
.rv-list { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 18px; }
.rv-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-soft); display: flex; flex-direction: column; gap: 12px; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.rv-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lift); }
.rv-top { display: flex; align-items: center; gap: 12px; }
.rv-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--sky); color: var(--ink-3); font-weight: 700; display: grid; place-items: center; flex: none; }
.rv-who { display: grid; line-height: 1.25; }
.rv-who b { font-size: .98rem; }
.rv-who small { color: var(--muted); font-size: .82rem; }
.rv-meta { display: flex; justify-content: space-between; align-items: center; gap: 8px; color: var(--muted); font-size: .82rem; }
.rv-card h3 { font-size: 1.08rem; margin: 0; }
.rv-card p { margin: 0; color: #2A3C4B; font-size: .97rem; }
.rv-tag { align-self: flex-start; background: var(--green-soft); color: #064B37; font-size: .78rem; font-weight: 600; padding: 3px 10px; border-radius: 99px; }
.rv-empty { grid-column: 1 / -1; border: 2px dashed var(--line); border-radius: var(--radius); padding: 40px 28px; text-align: center; background: var(--paper); }
.rv-empty h3 { font-size: 1.35rem; margin: 0 0 8px; }
.rv-empty p { color: var(--muted); margin: 0 auto 20px; max-width: 46ch; }
.rv-cta { margin-top: 28px; text-align: center; color: var(--muted); }
@media (max-width: 900px) { .rv-layout { grid-template-columns: 1fr; } .rv-summary { position: static; } }
@media (prefers-reduced-motion: reduce) { .rv-bars .bar i { transition: none; } .rv-card { transition: none; } }

/* page startup loader */
.page-loader { position: fixed; inset: 0; background: #0C2238; display: flex; align-items: center; justify-content: center; z-index: 9999; transition: opacity .45s ease, visibility .45s ease; }
.page-loader.is-hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.page-loader__spin { width: 46px; height: 46px; border: 4px solid rgba(255,255,255,.18); border-top-color: #C8962E; border-radius: 50%; animation: page-loader-spin .8s linear infinite; }
@keyframes page-loader-spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .page-loader__spin { animation: none; } }

/* consent banner (restored/basic) */
.cc { position: fixed; left: 16px; right: 16px; bottom: 16px; max-width: 480px; margin: 0 auto; background: #fff; border: 1px solid var(--line, #D9E2EA); border-radius: 14px; padding: 20px 20px 16px; box-shadow: 0 18px 50px -12px rgba(12,34,56,.35); z-index: 1000; animation: pop .4s var(--ease, ease); }
.cc-title { margin: 0 0 8px; font-size: 1.05rem; color: var(--ink, #0C2238); }
.cc-text { margin: 0 0 16px; color: var(--muted, #5A6B7A); font-size: .95rem; line-height: 1.45; }
.cc-text a { color: var(--link, #1D4A70); text-decoration: underline; }
.cc-actions { display: flex; gap: 8px; flex-wrap: wrap; }
.cc-actions .btn { flex: 1; min-width: 132px; padding: 10px 14px; font-size: .95rem; }
.cc-open .wa-float { bottom: 24px; }
@media (max-width: 640px) { .cc { left: 8px; right: 8px; bottom: 8px; width: auto; } .cc-open .wa-float { display: none; } }
@media (prefers-reduced-motion: reduce) { .cc { animation: none; } }
.linklike { background: none; border: 0; padding: 0; font: inherit; color: inherit; cursor: pointer; text-align: left; text-decoration: underline; }
.site-footer .linklike:hover { color: #fff; }
.copyright .linklike { text-decoration: underline; }

/* first-visit welcome overlay */
.welcome-overlay { position: fixed; inset: 0; z-index: 9500; display: grid; place-items: center; padding: 24px; background: radial-gradient(1200px 600px at 50% 0%, rgba(29,74,112,.62), rgba(12,34,56,.9)); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); opacity: 0; visibility: hidden; transition: opacity .45s ease, visibility .45s ease; }
.welcome-overlay.is-open { opacity: 1; visibility: visible; }
.welcome-card { max-width: 540px; width: 100%; background: rgba(255,255,255,.92); border: 1px solid rgba(255,255,255,.65); border-radius: 26px; padding: 48px 34px 40px; text-align: center; box-shadow: 0 40px 100px -24px rgba(0,0,0,.55); transform: translateY(24px) scale(.97); transition: transform .55s cubic-bezier(.16,1,.3,1), opacity .45s ease; opacity: 0; }
.welcome-overlay.is-open .welcome-card { transform: translateY(0) scale(1); opacity: 1; }
.welcome-kicker { display: inline-block; font-size: .78rem; letter-spacing: .2em; text-transform: uppercase; color: #C8962E; margin-bottom: 12px; font-weight: 700; }
.welcome-card h1 { font-size: clamp(1.9rem, 5vw, 2.7rem); line-height: 1.12; margin: 0 0 14px; color: #0C2238; }
.welcome-card p { color: #3A4B5A; margin: 0 auto 28px; max-width: 42ch; line-height: 1.55; font-size: 1.02rem; }
@media (prefers-reduced-motion: reduce) { .welcome-overlay, .welcome-overlay.is-open, .welcome-card, .welcome-overlay.is-open .welcome-card { transition: none; transform: none; } }