/* ==========================================================================
   StawiQuest MSME Mkopo - site styles
   Flat design: solid brand colours, hairline borders, zero shadows/gradients
   ========================================================================== */

:root {
  --blue: #0056A3;
  --blue-dark: #003E75;
  --blue-ink: #0B2440;
  --green: #34A853;
  --green-dark: #257A3C;
  --gold: #F4B400;
  --gold-soft: #FDF3D7;
  --slate: #6C757D;
  --ink: #101C28;
  --paper: #FFFFFF;
  --mist: #F4F6F8;
  --line: #DCE3EA;
  --danger: #C0392B;

  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-display: "Sora", "Inter", system-ui, sans-serif;
  --font-accent: Georgia, "Times New Roman", serif;

  --radius: 14px;
  --radius-sm: 10px;
  --container: 1160px;
  --header-h: 76px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
input, select, textarea, button { font: inherit; color: inherit; }
a { color: var(--blue); text-decoration: none; }
ul, ol { padding: 0; list-style: none; }
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.12; letter-spacing: -0.02em; color: var(--blue-ink); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

[id] { scroll-margin-top: calc(var(--header-h) + 1rem); }
a, button { -webkit-tap-highlight-color: transparent; }

.skip-link {
  position: absolute; left: 1rem; top: -4rem; z-index: 200;
  background: var(--blue); color: #fff; padding: .6rem 1.1rem;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm); font-weight: 600;
  transition: top .15s ease;
}
.skip-link:focus { top: 0; color: #fff; }

.container { width: min(var(--container), 100% - 2.5rem); margin-inline: auto; }

.accent-serif { font-family: var(--font-accent); font-style: italic; font-weight: 400; letter-spacing: 0; }

/* ---------- Eyebrow / section heads ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--slate); margin-bottom: 1.1rem;
}
.eyebrow-dot { width: .55rem; height: .55rem; background: var(--gold); border-radius: 50%; }
.eyebrow-num {
  font-family: var(--font-display); color: var(--gold);
  border: 2px solid var(--gold); border-radius: 999px;
  padding: .1rem .55rem; font-size: .72rem; letter-spacing: .05em;
}
.eyebrow-light { color: rgba(255,255,255,.75); }

.section { padding: clamp(3.5rem, 7vw, 6rem) 0; }
.section-mist { background: var(--mist); }
.section-blue { background: var(--blue); }
.section-blue h2 { color: #fff; }

.section-head {
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 2rem; margin-bottom: clamp(2rem, 4vw, 3.2rem); flex-wrap: wrap;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--font-display); font-weight: 700; font-size: .95rem;
  padding: .8rem 1.7rem; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: background-color .15s ease, color .15s ease, border-color .15s ease;
  white-space: nowrap;
}
.btn-lg { padding: 1rem 2.1rem; font-size: 1.02rem; }
.btn-sm { padding: .5rem 1.2rem; font-size: .85rem; }
.btn-block { width: 100%; }

.btn-gold { background: var(--gold); color: var(--blue-ink); border-color: var(--gold); }
.btn-gold:hover { background: var(--blue-ink); border-color: var(--blue-ink); color: var(--gold); }

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

.btn-ghost { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-ghost:hover { background: var(--blue); color: #fff; }

.btn-outline-light { background: transparent; color: #fff; border-color: #fff; }
.btn-outline-light:hover { background: #fff; color: var(--blue); }

/* ---------- Topbar ---------- */
.topbar { background: var(--blue-ink); color: rgba(255,255,255,.85); font-size: .8rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; min-height: 2.3rem; gap: 1rem; }
.topbar-item { display: inline-flex; align-items: center; gap: .4rem; color: rgba(255,255,255,.85); }
a.topbar-item:hover { color: var(--gold); }
.topbar-right { display: flex; align-items: center; gap: 1rem; }
.topbar-sep { width: 1px; height: .9rem; background: rgba(255,255,255,.3); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--paper); border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; gap: 2rem; height: var(--header-h); }

.brand { display: inline-flex; align-items: center; color: var(--blue-ink); }
.brand-logo { display: block; height: 100%; width: auto; max-height: 58px; }

.nav-links { display: flex; gap: 1.6rem; margin-left: auto; }
.nav-links a {
  position: relative; font-weight: 600; font-size: .93rem; color: var(--ink);
  padding: .35rem 0;
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 3px; background: var(--gold); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform .18s ease;
}
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { transform: scaleX(1); }
.nav-links a[aria-current="page"] { color: var(--blue); }

.nav-actions { display: flex; align-items: center; gap: .8rem; }

.nav-toggle {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 44px; height: 44px; padding: 0 10px;
  background: transparent; border: 2px solid var(--blue); border-radius: var(--radius-sm);
  cursor: pointer;
}
.nav-toggle span { height: 2px; background: var(--blue); border-radius: 2px; transition: transform .2s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed; inset: 0; top: var(--header-h); z-index: 90;
  background: var(--blue-ink); padding: 2.5rem 1.25rem;
  display: flex; flex-direction: column; justify-content: space-between;
}
.mobile-menu[hidden] { display: none; }
.mobile-links { display: flex; flex-direction: column; }
.mobile-links a {
  font-family: var(--font-display); font-weight: 700; font-size: 1.5rem;
  color: #fff; padding: .9rem 0; border-bottom: 1px solid rgba(255,255,255,.14);
}
.mobile-links a:hover { color: var(--gold); }
.mobile-cta { margin-top: 1.5rem; align-self: flex-start; border-bottom: 0; }
.mobile-menu-foot { display: flex; flex-direction: column; gap: 1rem; }
.mobile-menu-foot .btn { align-self: flex-start; }
.mobile-tag { font-family: var(--font-accent); font-style: italic; color: var(--gold); font-size: 1.1rem; }

@keyframes menu-in { from { opacity: 0; transform: translateY(-12px); } }
@keyframes menu-link-in { from { opacity: 0; transform: translateX(-10px); } }
.mobile-menu:not([hidden]) { animation: menu-in .22s ease; }
.mobile-menu:not([hidden]) .mobile-links a { animation: menu-link-in .3s ease both; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(1) { animation-delay: .03s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(2) { animation-delay: .07s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(3) { animation-delay: .11s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(4) { animation-delay: .15s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(5) { animation-delay: .19s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(6) { animation-delay: .23s; }
.mobile-menu:not([hidden]) .mobile-links a:nth-child(7) { animation-delay: .27s; }

/* Sticky bottom action bar (phones only) */
.mobile-cta-bar {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
  background: var(--paper); border-top: 2px solid var(--ink);
  padding: .6rem .8rem calc(.6rem + env(safe-area-inset-bottom));
  gap: .7rem;
}
.mobile-cta-bar .btn { flex: 1; }

.scroll-hint { display: none; font-size: .78rem; color: var(--slate); margin-top: .6rem; text-align: center; }

/* ---------- Flash modal ---------- */
.flash-modal-backdrop {
  position: fixed; inset: 0; z-index: 150;
  background: rgba(11, 36, 64, .55);
  display: grid; place-items: center; padding: 1.25rem;
  animation: flash-fade-in .2s ease;
}
.flash-modal {
  position: relative; width: min(26rem, 100%);
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 2rem 1.6rem 1.7rem; text-align: center; overflow: hidden;
  animation: flash-pop .25s ease;
}
.flash-icon {
  width: 3rem; height: 3rem; border-radius: 50%;
  background: var(--green); color: #fff;
  display: grid; place-items: center; margin: 0 auto .9rem;
}
.flash-msg { font-weight: 600; font-size: .98rem; }
.flash-close {
  position: absolute; top: .55rem; right: .55rem;
  background: none; border: 0; font-size: 1.4rem; line-height: 1;
  cursor: pointer; color: var(--slate); padding: .25rem .55rem;
}
.flash-close:hover { color: var(--ink); }
.flash-timer {
  position: absolute; left: 0; bottom: 0; height: 5px; width: 100%;
  background: var(--gold); transform-origin: left;
  animation: flash-timer 5s linear forwards;
}
.flash-modal.is-leaving { opacity: 0; transform: translateY(8px); transition: opacity .18s ease, transform .18s ease; }
@keyframes flash-fade-in { from { opacity: 0; } }
@keyframes flash-pop { from { opacity: 0; transform: translateY(10px); } }
@keyframes flash-timer { from { transform: scaleX(1); } to { transform: scaleX(0); } }

/* ---------- Hero ---------- */
.hero { padding: clamp(3rem, 6vw, 5.5rem) 0 clamp(3.5rem, 7vw, 6rem); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2.5rem, 5vw, 5rem); align-items: center; }

.hero-title { font-size: clamp(2.6rem, 5.6vw, 4.4rem); font-weight: 800; }
.hero-title .accent-serif { color: var(--green); }
.hero-lead { font-size: clamp(1.02rem, 1.4vw, 1.18rem); color: var(--slate); max-width: 34rem; margin: 1.4rem 0 2rem; }
.hero-cta { display: flex; gap: .9rem; flex-wrap: wrap; }

.hero-trust { display: flex; gap: 1.4rem; flex-wrap: wrap; margin-top: 2rem; }
.hero-trust li { display: inline-flex; align-items: center; gap: .45rem; font-size: .88rem; font-weight: 600; color: var(--slate); }
.hero-trust svg { color: var(--green); flex: none; }

/* hero visual: flat loan card composition */
.hero-visual { position: relative; }
.loan-card {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 1.6rem; position: relative; z-index: 1;
}
.loan-card-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.1rem; }
.loan-card-ref { font-size: .78rem; font-weight: 600; color: var(--slate); letter-spacing: .06em; }
.chip {
  display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; padding: .3rem .8rem; border-radius: 999px;
}
.chip-green { background: var(--green); color: #fff; }
.loan-card-label { font-size: .82rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); }
.loan-card-amount { font-family: var(--font-display); font-size: 2.4rem; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 1.2rem; }
.loan-card-rows { border-top: 1px solid var(--line); }
.loan-card-row {
  display: flex; justify-content: space-between; gap: 1rem;
  padding: .65rem 0; border-bottom: 1px solid var(--line); font-size: .9rem;
}
.loan-card-row span { color: var(--slate); }
.loan-card-bar { height: 8px; background: var(--mist); border: 1px solid var(--line); border-radius: 999px; margin-top: 1.3rem; overflow: hidden; }
.loan-card-bar-fill { display: block; height: 100%; background: var(--green); border-radius: 999px; }
.loan-card-foot { margin-top: .55rem; font-size: .82rem; color: var(--slate); }
.loan-card-foot strong { color: var(--ink); }

.hero-badge {
  position: absolute; right: -1rem; top: -1.6rem; z-index: 2;
  background: var(--gold); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: .9rem 1.2rem; text-align: center; transform: rotate(3deg);
}
.hero-badge-num { font-family: var(--font-display); font-weight: 800; font-size: 1.9rem; line-height: 1; color: var(--blue-ink); }
.hero-badge-num span { font-size: .95rem; margin-left: .15rem; }
.hero-badge-label { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--blue-ink); }

/* ---------- Marquee ---------- */
.marquee { background: var(--blue); color: #fff; overflow: hidden; border-block: 2px solid var(--blue-ink); }
.marquee-track { display: flex; width: max-content; animation: marquee 28s linear infinite; }
.marquee-group { display: flex; align-items: center; }
.marquee-group span {
  font-family: var(--font-display); font-weight: 700; font-size: .92rem;
  letter-spacing: .06em; text-transform: uppercase; padding: .9rem 1.6rem; white-space: nowrap;
}
.marquee-group i { color: var(--gold); font-style: normal; }
@keyframes marquee { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }

/* ---------- Stats ---------- */
.stats { border-bottom: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 2.2rem 1.5rem; border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat-value {
  font-family: var(--font-display); font-weight: 800; letter-spacing: -0.02em;
  font-size: clamp(1.7rem, 3vw, 2.5rem); color: var(--blue);
}
.stat:nth-child(2) .stat-value { color: var(--green); }
.stat:nth-child(3) .stat-value { color: var(--gold); }
.stat:nth-child(4) .stat-value { color: var(--slate); }
.stat-label { font-size: .88rem; color: var(--slate); font-weight: 500; }

/* ---------- Cards ---------- */
.card-grid { display: grid; gap: 1.4rem; }
.card-grid.three { grid-template-columns: repeat(3, 1fr); }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 1.7rem; display: flex; flex-direction: column;
  transition: border-color .15s ease, transform .15s ease;
}
.card:hover { transform: translateY(-3px); }
.card-accent { height: 5px; border-radius: 4px; margin-bottom: 1.2rem; width: 3rem; }
.card-blue .card-accent { background: var(--blue); }
.card-green .card-accent { background: var(--green); }
.card-gold .card-accent { background: var(--gold); }
.card-slate .card-accent { background: var(--slate); }
.card-blue:hover { border-color: var(--blue); }
.card-green:hover { border-color: var(--green); }
.card-gold:hover { border-color: var(--gold); }
.card-slate:hover { border-color: var(--slate); }

.card-tag { font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--slate); }
.card-title { margin: .35rem 0 .6rem; font-size: 1.3rem; }
.card-text { color: var(--slate); font-size: .95rem; flex: 1; }
.card-meta { margin-top: 1.4rem; border-top: 1px solid var(--line); }
.card-meta div { display: flex; justify-content: space-between; padding: .5rem 0; border-bottom: 1px solid var(--line); font-size: .88rem; }
.card-meta dt { color: var(--slate); }
.card-meta dd { font-weight: 600; }
.card-link { margin-top: 1.2rem; font-weight: 700; font-size: .92rem; color: var(--blue); }
.card-link:hover { color: var(--blue-dark); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; counter-reset: step; }
.step {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 1.7rem; position: relative;
}
.step-num {
  display: inline-block; font-family: var(--font-display); font-weight: 800;
  font-size: .95rem; color: var(--blue-ink); background: var(--gold);
  border: 2px solid var(--ink); border-radius: 999px; padding: .25rem .8rem;
  margin-bottom: 1.1rem;
}
.step h3 { margin-bottom: .55rem; }
.step p { font-size: .92rem; color: var(--slate); }

/* ---------- Comparison table ---------- */
.table-wrap { overflow-x: auto; border: 2px solid var(--ink); border-radius: var(--radius); }
.compare { width: 100%; border-collapse: collapse; min-width: 640px; background: var(--paper); }
.compare th, .compare td { padding: 1rem 1.4rem; text-align: left; border-bottom: 1px solid var(--line); font-size: .95rem; }
.compare tbody tr:last-child th, .compare tbody tr:last-child td { border-bottom: 0; }
.compare thead th { border-bottom: 2px solid var(--ink); }
.compare-badge {
  display: inline-block; background: var(--gold); color: var(--blue-ink);
  font-family: var(--font-display); font-weight: 800; font-size: .8rem;
  letter-spacing: .06em; text-transform: uppercase; padding: .3rem .9rem; border-radius: 999px;
}
.compare-them { color: var(--slate); font-weight: 600; }
.compare tbody th { font-weight: 600; color: var(--ink); }
.compare-us-cell { font-weight: 600; }
.compare-them-cell { color: var(--slate); }
.compare-us-cell { border-left: 2px solid var(--gold); }
.compare-them-cell { border-left: 1px solid var(--line); }

/* ---------- Quote cards ---------- */
.quote-card {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 1.7rem; display: flex; flex-direction: column; gap: 1.1rem;
}
.quote-mark { width: 2rem; height: 1.5rem; color: var(--gold); }
.quote-card blockquote { font-size: 1rem; line-height: 1.65; flex: 1; }
.quote-card figcaption { display: flex; flex-direction: column; border-top: 1px solid var(--line); padding-top: 1rem; }
.quote-card figcaption strong { font-family: var(--font-display); }
.quote-card figcaption span { font-size: .85rem; color: var(--slate); }
.section-head-light .eyebrow-num { color: var(--blue-ink); background: var(--gold); border-color: var(--gold); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--blue-ink); color: #fff; }
.cta-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 2.5rem; padding: clamp(3rem, 6vw, 5rem) 0; flex-wrap: wrap;
}
.cta-inner h2 { color: #fff; }
.cta-inner .accent-serif { color: var(--gold); }
.cta-inner p { color: rgba(255,255,255,.8); margin-top: .8rem; max-width: 30rem; }
.cta-actions { display: flex; gap: .9rem; flex-wrap: wrap; }

/* ---------- Page hero (interior pages) ---------- */
.page-hero { padding: clamp(2.8rem, 6vw, 5rem) 0 clamp(2.8rem, 5vw, 4.5rem); border-bottom: 1px solid var(--line); background: var(--mist); }
.page-title { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; }
.page-title .accent-serif { color: var(--green); }
.page-lead { font-size: clamp(1rem, 1.4vw, 1.15rem); color: var(--slate); max-width: 42rem; margin-top: 1.3rem; }
.page-lead a { text-decoration: underline; text-underline-offset: 3px; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1.4fr .8fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.about-story h2 { margin-bottom: 1.2rem; }
.about-story p { color: var(--slate); margin-bottom: 1.1rem; }
.about-story p em { color: var(--ink); }

.fact-card {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: 1.7rem;
}
.fact-card h3 { margin-bottom: 1rem; }
.fact-list div { padding: .6rem 0; border-bottom: 1px solid var(--line); font-size: .92rem; }
.fact-list div:last-child { border-bottom: 0; }
.fact-list dt { color: var(--slate); font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; }
.fact-list dd { font-weight: 600; margin-top: .15rem; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.split-text { color: var(--slate); margin-top: 1.2rem; }

.check-list li {
  position: relative; padding: .55rem 0 .55rem 2rem; font-size: .95rem;
  border-bottom: 1px solid var(--line);
}
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .95rem;
  width: .9rem; height: .45rem;
  border-left: 3px solid var(--green); border-bottom: 3px solid var(--green);
  transform: rotate(-45deg);
}
.check-list li:last-child { border-bottom: 0; }

/* ---------- Product rows ---------- */
.product-list { display: flex; flex-direction: column; gap: 1.6rem; }
.product-row {
  display: grid; grid-template-columns: 1.5fr .7fr; gap: clamp(1.5rem, 4vw, 3.5rem);
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.4rem); scroll-margin-top: calc(var(--header-h) + 1.5rem);
}
.product-row h2 { margin: .35rem 0 .8rem; font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
.product-row .product-main > p { color: var(--slate); margin-bottom: 1rem; }
.product-side {
  border-left: 2px solid var(--line); padding-left: clamp(1.5rem, 3vw, 3rem);
  display: flex; flex-direction: column; gap: 1rem;
}
.product-terms div { display: flex; justify-content: space-between; padding: .55rem 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
.product-terms div:last-child { border-bottom: 0; }
.product-terms dt { color: var(--slate); }
.product-terms dd { font-weight: 600; text-align: right; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius);
  padding: clamp(1.5rem, 3.5vw, 2.4rem);
}
.form-title { font-size: 1.05rem; margin: 1.8rem 0 1rem; padding-top: 1.6rem; border-top: 2px solid var(--line); }
.form-title:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.form-row.two { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }

.field { margin-bottom: 1.1rem; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: .4rem; }
.field label i { color: var(--danger); font-style: normal; }
.field .opt { color: var(--slate); font-weight: 400; font-size: .82rem; }
.field input[type="text"], .field input[type="tel"], .field input[type="email"],
.field input[type="number"], .field select, .field textarea {
  width: 100%; padding: .75rem .95rem; border: 2px solid var(--line);
  border-radius: var(--radius-sm); background: var(--paper); transition: border-color .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue);
}
.field select {
  -webkit-appearance: none; appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1.5 1.5 6 6l4.5-4.5' fill='none' stroke='%236C757D' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center;
  padding-right: 2.6rem;
}
.field-error input, .field-error select, .field-error textarea { border-color: var(--danger); }
.field-msg { color: var(--danger); font-size: .82rem; font-weight: 600; margin-top: .35rem; }

.field-check .check { display: flex; gap: .8rem; align-items: flex-start; font-weight: 400; font-size: .92rem; cursor: pointer; }
.field-check input { width: 1.15rem; height: 1.15rem; margin-top: .15rem; accent-color: var(--blue); flex: none; }

.form-alert {
  background: #FDECEA; border: 2px solid var(--danger); border-radius: var(--radius-sm);
  padding: .9rem 1.1rem; font-size: .92rem; margin-bottom: 1.4rem; color: var(--danger);
}
.form-fine { font-size: .82rem; color: var(--slate); text-align: center; margin-top: .9rem; }

.apply-grid { display: grid; grid-template-columns: 1.5fr .75fr; gap: clamp(1.8rem, 4vw, 3rem); align-items: start; }
.apply-aside { display: flex; flex-direction: column; gap: 1.4rem; position: sticky; top: calc(var(--header-h) + 1.5rem); }

.mini-steps li {
  padding: .7rem 0 .7rem 2rem; position: relative; border-bottom: 1px solid var(--line);
  counter-increment: mini;
}
.mini-steps { counter-reset: mini; }
.mini-steps li::before {
  content: counter(mini, decimal-leading-zero); position: absolute; left: 0; top: .8rem;
  font-family: var(--font-display); font-weight: 800; font-size: .8rem; color: var(--gold);
}
.mini-steps li:last-child { border-bottom: 0; }
.mini-steps strong { display: block; font-size: .92rem; }
.mini-steps span { font-size: .85rem; color: var(--slate); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .75fr 1.4fr; gap: clamp(1.8rem, 4vw, 3rem); align-items: start; }
.contact-cards { display: flex; flex-direction: column; gap: 1.2rem; }
.contact-card { background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius); padding: 1.4rem 1.6rem; }
.contact-card h3 { margin-bottom: .4rem; font-size: 1rem; }
.contact-card a { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; }
.contact-card p { font-size: .88rem; color: var(--slate); margin-top: .3rem; }

/* ---------- FAQs ---------- */
.faq-wrap { max-width: 46rem; }
.faq { border: 2px solid var(--ink); border-radius: var(--radius); margin-bottom: 1rem; background: var(--paper); }
.faq summary {
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1.15rem 1.4rem; cursor: pointer; font-family: var(--font-display);
  font-weight: 700; font-size: 1.02rem; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq-icon {
  flex: none; width: 1.9rem; height: 1.9rem; border: 2px solid var(--blue);
  border-radius: 50%; color: var(--blue); display: grid; place-items: center;
  font-size: 1.15rem; font-weight: 700; line-height: 1; transition: transform .2s ease, background .2s ease;
}
.faq[open] .faq-icon { transform: rotate(45deg); background: var(--blue); color: #fff; }
.faq-body { padding: 0 1.4rem 1.3rem; color: var(--slate); max-width: 40rem; }

/* ---------- Calculator ---------- */
.calc-grid { display: grid; grid-template-columns: .8fr 1.4fr; gap: clamp(1.8rem, 4vw, 3rem); align-items: start; }
.calc-controls { background: var(--paper); border: 2px solid var(--ink); border-radius: var(--radius); padding: 1.8rem; position: sticky; top: calc(var(--header-h) + 1.5rem); }
.calc-field { margin-bottom: 1.8rem; }
.calc-field-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: .6rem; }
.calc-field-head label { font-weight: 600; font-size: .92rem; }
.calc-hint { color: var(--slate); font-weight: 400; font-size: .8rem; }
.calc-field-head output { font-family: var(--font-display); font-weight: 800; color: var(--blue); font-size: 1.05rem; font-variant-numeric: tabular-nums; }
.calc-range-ends { display: flex; justify-content: space-between; font-size: .75rem; color: var(--slate); margin-top: .35rem; }

input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; background: var(--mist); border: 1px solid var(--line); border-radius: 999px; }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 1.4rem; height: 1.4rem; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--blue-ink); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 1.1rem; height: 1.1rem; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--blue-ink); cursor: grab;
}
input[type="range"]:focus { outline: none; }
input[type="range"]:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; }

.calc-method { border: 0; padding: 0; margin: 0 0 1.4rem; display: flex; gap: .7rem; flex-wrap: wrap; }
.calc-method legend { font-weight: 600; font-size: .92rem; margin-bottom: .6rem; }
.radio-pill input { position: absolute; opacity: 0; }
.radio-pill span {
  display: inline-block; padding: .55rem 1.2rem; border: 2px solid var(--line);
  border-radius: 999px; font-weight: 600; font-size: .88rem; cursor: pointer;
  transition: all .15s ease;
}
.radio-pill input:checked + span { background: var(--blue); border-color: var(--blue); color: #fff; }
.radio-pill input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }

.calc-note { font-size: .82rem; color: var(--slate); border-top: 1px solid var(--line); padding-top: 1.1rem; }

.calc-summary {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 0;
  border: 2px solid var(--ink); border-radius: var(--radius); overflow: hidden;
  margin-bottom: 1.4rem; background: var(--paper);
}
.calc-summary-item { padding: 1.2rem 1.4rem; border-bottom: 1px solid var(--line); }
.calc-summary-item:nth-child(odd) { border-right: 1px solid var(--line); }
.calc-summary-item:nth-last-child(-n+2) { border-bottom: 0; }
.calc-summary-item:first-child { background: var(--blue); }
.calc-summary-item:first-child .calc-summary-label { color: rgba(255,255,255,.8); }
.calc-summary-item:first-child .calc-summary-value { color: #fff; font-size: 1.7rem; }
.calc-summary-label { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); }
.calc-summary-value { font-family: var(--font-display); font-weight: 800; font-size: 1.3rem; font-variant-numeric: tabular-nums; }

.calc-table-wrap { max-height: 30rem; overflow-y: auto; }
.schedule { width: 100%; border-collapse: collapse; min-width: 560px; font-size: .88rem; background: var(--paper); }
.schedule th, .schedule td { padding: .6rem .9rem; text-align: right; border-bottom: 1px solid var(--line); font-variant-numeric: tabular-nums; }
.schedule th:first-child, .schedule td:first-child { text-align: left; color: var(--slate); }
.schedule thead th {
  position: sticky; top: 0; background: var(--blue-ink); color: #fff;
  font-size: .75rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700;
}
.schedule-empty { text-align: center !important; color: var(--slate); padding: 2.5rem 1rem !important; }

.calc-cta { display: flex; align-items: center; gap: 1.2rem; margin-top: 1.4rem; flex-wrap: wrap; }
.calc-fine { font-size: .8rem; color: var(--slate); }

/* ---------- Footer ---------- */
.site-footer { background: var(--blue-ink); color: rgba(255,255,255,.85); }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr .7fr .8fr 1.1fr;
  gap: clamp(2rem, 4vw, 3.5rem); padding: clamp(3rem, 6vw, 4.5rem) 0 2.5rem;
}
.brand-footer { color: #fff; }
.brand-logo-footer { max-height: 60px; }
.footer-tag { font-family: var(--font-accent); font-style: italic; color: var(--gold); font-size: 1.05rem; margin: 1.2rem 0 .5rem; }
.footer-copy { font-size: .88rem; color: rgba(255,255,255,.65); }
.footer-col { display: flex; flex-direction: column; gap: .6rem; }
.footer-col h3 {
  color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase;
  margin-bottom: .5rem; font-family: var(--font-body); font-weight: 700;
}
.footer-col a { color: rgba(255,255,255,.8); font-size: .92rem; }
.footer-col a:hover { color: var(--gold); }

.subscribe { margin-top: 1rem; }
.subscribe label { font-size: .82rem; font-weight: 600; display: block; margin-bottom: .5rem; }
.subscribe-row { display: flex; gap: .5rem; }
.subscribe-row input {
  flex: 1; min-width: 0; padding: .6rem .9rem; border: 2px solid rgba(255,255,255,.25);
  border-radius: 999px; background: transparent; color: #fff; font-size: .88rem;
}
.subscribe-row input::placeholder { color: rgba(255,255,255,.45); }
.subscribe-row input:focus { outline: none; border-color: var(--gold); }

.footer-base {
  display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  border-top: 1px solid rgba(255,255,255,.15); padding: 1.4rem 0 2rem;
  font-size: .8rem; color: rgba(255,255,255,.55);
}

/* ---------- Errors ---------- */
.error-hero { text-align: left; }
.error-code {
  font-family: var(--font-display); font-weight: 800; font-size: 5rem;
  color: var(--gold); -webkit-text-stroke: 2px var(--ink); line-height: 1; margin-bottom: 1rem;
}

/* ==========================================================================
   Responsive
   ========================================================================== */

/* --- Small laptop / large tablet --- */
@media (max-width: 1020px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 30rem; }
  .card-grid.four { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .calc-grid, .apply-grid, .contact-grid, .about-grid, .split { grid-template-columns: 1fr; }
  .calc-controls, .apply-aside { position: static; }
  .product-row { grid-template-columns: 1fr; }
  .product-side { border-left: 0; padding-left: 0; border-top: 2px solid var(--line); padding-top: 1.4rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

/* --- Nav collapses early so links never crowd the brand --- */
@media (max-width: 920px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-actions { margin-left: auto; }
  .nav-actions .btn { display: none; }
}

/* --- Phones: layouts designed for one-handed use --- */
@media (max-width: 760px) {
  body { padding-bottom: 4.4rem; } /* room for sticky action bar */
  .mobile-cta-bar { display: flex; }

  .topbar-right .topbar-item:last-child, .topbar-sep { display: none; }

  /* Hero */
  .hero { padding: 2.4rem 0 3.2rem; }
  .hero-title { font-size: clamp(2.15rem, 10.5vw, 3rem); }
  .hero-lead { font-size: 1rem; margin: 1.1rem 0 1.6rem; }
  .hero-cta { flex-wrap: nowrap; }
  .hero-cta .btn { flex: 1; padding-inline: .9rem; font-size: .88rem; }
  .hero-trust { gap: .4rem 1.3rem; margin-top: 1.6rem; }
  .hero-visual { margin-top: 1rem; max-width: none; }
  .hero-badge {
    position: static; display: inline-block; transform: rotate(-2deg);
    margin-top: 1.1rem;
  }

  .marquee-group span { font-size: .78rem; padding: .7rem 1.1rem; }

  /* Stats: 2x2 grid with interior hairlines */
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat { padding: 1.5rem 1rem; }
  .stat:nth-child(3) { border-left: 0; padding-left: 0; }
  .stat:nth-child(n+3) { border-top: 1px solid var(--line); }

  .section { padding: 3rem 0; }
  .section-head { flex-direction: column; align-items: flex-start; gap: 1.1rem; margin-bottom: 1.8rem; }
  .page-hero { padding: 2.2rem 0 2.6rem; }
  .page-title { font-size: clamp(1.9rem, 8.5vw, 2.5rem); }
  .page-lead { font-size: 1rem; }

  .card-grid.three { grid-template-columns: 1fr; }
  .card, .fact-card, .quote-card, .step { padding: 1.4rem; }

  /* Steps -> vertical timeline */
  .steps { grid-template-columns: 1fr; position: relative; }
  .steps::before {
    content: ""; position: absolute; top: 1.5rem; bottom: 1.5rem;
    left: calc(1.4rem + 1.35rem); width: 2px; background: var(--line);
  }
  .step { display: grid; grid-template-columns: 2.7rem 1fr; column-gap: 1rem; align-items: start; }
  .step-num { grid-row: 1 / 3; margin-bottom: 0; text-align: center; position: relative; z-index: 1; }
  .step h3 { font-size: 1.05rem; margin-bottom: .3rem; }
  .step p { grid-column: 2; }

  /* Comparison table -> stacked cards (no sideways scrolling) */
  .compare-wrap { border: 0; overflow: visible; }
  .compare { min-width: 0; background: transparent; }
  .compare thead { display: none; }
  .compare, .compare tbody, .compare tr, .compare th, .compare td { display: block; }
  .compare tbody tr {
    border: 2px solid var(--ink); border-radius: var(--radius);
    background: var(--paper); padding: 1.1rem 1.3rem; margin-bottom: 1rem;
  }
  .compare tbody th {
    border-bottom: 2px solid var(--line); padding: 0 0 .7rem; margin-bottom: .7rem;
    font-family: var(--font-display); font-size: 1rem;
  }
  .compare td { border: 0; padding: .35rem 0; font-size: .92rem; }
  .compare-us-cell, .compare-them-cell { border-left: 0; }
  .compare-us-cell::before { content: "StawiQuest \2014  "; font-weight: 700; color: var(--blue); }
  .compare-them-cell::before { content: "Elsewhere \2014  "; font-weight: 700; color: var(--slate); }

  /* CTA band */
  .cta-inner { flex-direction: column; align-items: flex-start; gap: 1.4rem; }
  .cta-actions { width: 100%; }
  .cta-actions .btn { flex: 1 1 100%; }

  /* Product rows */
  .product-row { padding: 1.4rem; }
  .product-side .btn { width: 100%; }
  .product-side .card-link { align-self: center; }

  /* Forms */
  .form-card { padding: 1.3rem; }
  .form-row.two { grid-template-columns: 1fr; gap: 0; }
  .form-title { margin-top: 1.4rem; }

  /* Calculator: headline figure spans both columns */
  .calc-controls { padding: 1.3rem; }
  .calc-summary-item { padding: 1rem 1.1rem; }
  .calc-summary-item:first-child { grid-column: 1 / -1; }
  .calc-summary-value { font-size: 1.15rem; }
  .calc-summary-item:first-child .calc-summary-value { font-size: 1.5rem; }
  .scroll-hint { display: block; }
  .schedule { min-width: 540px; }
  .calc-cta .btn { width: 100%; }
  .calc-fine { text-align: center; width: 100%; }

  /* FAQs */
  .faq summary { padding: 1rem 1.15rem; font-size: .95rem; }
  .faq-body { padding: 0 1.15rem 1.15rem; font-size: .92rem; }

  /* Contact */
  .contact-cards { gap: .9rem; }
  .contact-card { padding: 1.1rem 1.3rem; }

  /* Footer: brand & contact span, link columns pair up */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 1.8rem; padding: 2.5rem 0 2rem; }
  .footer-brand, .footer-grid > :last-child { grid-column: 1 / -1; }
  .footer-base { flex-direction: column; gap: .3rem; }
}

/* --- Fat-finger slider thumbs on touch devices --- */
@media (pointer: coarse) {
  input[type="range"] { height: 8px; }
  input[type="range"]::-webkit-slider-thumb { width: 1.7rem; height: 1.7rem; }
  input[type="range"]::-moz-range-thumb { width: 1.3rem; height: 1.3rem; }
}

/* --- Small phones --- */
@media (max-width: 460px) {
  .topbar-inner > .topbar-item { display: none; }
  .topbar-inner { justify-content: flex-end; }
  .hero-title { font-size: clamp(2rem, 12vw, 2.4rem); }
  .hero-cta .btn { padding-inline: .55rem; font-size: .82rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand, .footer-grid > :last-child { grid-column: auto; }
  .btn { font-size: .9rem; }
}

@media (prefers-reduced-motion: reduce) {
  .mobile-menu, .mobile-menu * { animation: none !important; }
}

/* ==========================================================================
   Mobile scale pass - tighter buttons, labels, chips & icons for handhelds
   ========================================================================== */
@media (max-width: 760px) {

  /* Type scale */
  h2, .cta-inner h2 { font-size: clamp(1.45rem, 6.8vw, 1.9rem); }
  .hero-title { font-size: clamp(1.95rem, 10vw, 2.7rem); }
  .page-title { font-size: clamp(1.7rem, 8vw, 2.2rem); }
  .eyebrow { font-size: .7rem; letter-spacing: .12em; }
  .eyebrow-num { font-size: .62rem; padding: .05rem .45rem; }

  /* Buttons */
  .btn { font-size: .85rem; padding: .68rem 1.35rem; }
  .btn-lg { font-size: .9rem; padding: .78rem 1.5rem; }
  .btn-sm { font-size: .78rem; padding: .42rem 1rem; }
  .hero-cta .btn { font-size: .82rem; }
  .mobile-cta-bar { padding: .5rem .7rem calc(.5rem + env(safe-area-inset-bottom)); }

  /* Chrome: topbar, brand, toggle, drawer */
  .topbar { font-size: .72rem; }
  .brand-logo { max-height: 44px; }
  .brand-logo-footer { max-height: 48px; }
  .nav-toggle { width: 40px; height: 40px; padding: 0 9px; }
  .mobile-links a { font-size: 1.3rem; padding: .75rem 0; }
  .mobile-tag { font-size: 1rem; }
  .flash-modal { padding: 1.6rem 1.3rem 1.4rem; }
  .flash-icon { width: 2.4rem; height: 2.4rem; }
  .flash-msg { font-size: .85rem; }

  /* Stats */
  .stat { padding: 1.2rem .8rem; }
  .stat-value { font-size: 1.5rem; }
  .stat-label { font-size: .78rem; }

  /* Cards */
  .card-title { font-size: 1.12rem; }
  .card-tag { font-size: .68rem; }
  .card-text { font-size: .88rem; }
  .card-accent { height: 4px; width: 2.4rem; margin-bottom: 1rem; }
  .card-meta div { font-size: .8rem; padding: .4rem 0; }
  .card-link { font-size: .85rem; margin-top: 1rem; }

  /* Timeline steps */
  .steps { gap: .9rem; }
  .step-num { font-size: .78rem; padding: .15rem .6rem; }
  .step h3 { font-size: 1rem; }
  .step p { font-size: .85rem; }

  /* Comparison cards */
  .compare tbody tr { padding: .9rem 1.1rem; margin-bottom: .8rem; }
  .compare tbody th { font-size: .92rem; }
  .compare td { font-size: .85rem; }

  /* Quotes */
  .quote-mark { width: 1.5rem; height: 1.15rem; }
  .quote-card blockquote { font-size: .9rem; }
  .quote-card figcaption span { font-size: .78rem; }
  .cta-inner p { font-size: .9rem; }

  /* Products */
  .product-row h2 { font-size: 1.3rem; }
  .product-terms div { font-size: .82rem; }

  /* Hero visual */
  .loan-card { padding: 1.3rem; }
  .loan-card-label { font-size: .72rem; }
  .loan-card-amount { font-size: 1.9rem; }
  .loan-card-row { font-size: .82rem; padding: .5rem 0; }
  .loan-card-ref { font-size: .68rem; }
  .chip { font-size: .62rem; padding: .25rem .65rem; }
  .hero-badge { padding: .7rem .95rem; }
  .hero-badge-num { font-size: 1.5rem; }
  .hero-badge-label { font-size: .6rem; }

  /* Forms (inputs stay 16px to prevent iOS zoom) */
  .field { margin-bottom: .9rem; }
  .field label { font-size: .82rem; }
  .field input[type="text"], .field input[type="tel"], .field input[type="email"],
  .field input[type="number"], .field select, .field textarea {
    padding: .62rem .8rem; font-size: 1rem;
  }
  .field-msg { font-size: .76rem; }
  .field-check .check { font-size: .85rem; }
  .form-title { font-size: .95rem; }
  .form-alert { font-size: .82rem; padding: .7rem .9rem; }
  .form-fine { font-size: .75rem; }

  /* Checklists / mini steps */
  .check-list li { font-size: .87rem; padding: .45rem 0 .45rem 1.7rem; }
  .check-list li::before { width: .75rem; height: .38rem; top: .8rem; }
  .mini-steps strong { font-size: .85rem; }
  .mini-steps span { font-size: .78rem; }

  /* Calculator */
  .calc-field-head label { font-size: .85rem; }
  .calc-field-head output { font-size: .92rem; }
  .calc-method legend { font-size: .85rem; }
  .radio-pill span { font-size: .8rem; padding: .45rem .95rem; }
  .calc-note { font-size: .75rem; }
  .calc-summary-label { font-size: .68rem; }
  .calc-summary-value { font-size: 1.05rem; }
  .calc-summary-item:first-child .calc-summary-value { font-size: 1.35rem; }
  .schedule { font-size: .8rem; }
  .schedule th, .schedule td { padding: .5rem .7rem; }
  .schedule thead th { font-size: .65rem; }

  /* FAQs */
  .faq summary { font-size: .9rem; }
  .faq-icon { width: 1.55rem; height: 1.55rem; font-size: 1rem; }
  .faq-body { font-size: .85rem; }

  /* Contact & fact cards */
  .contact-card h3 { font-size: .9rem; }
  .contact-card a { font-size: .92rem; }
  .contact-card p { font-size: .8rem; }
  .fact-list div { font-size: .84rem; }
  .fact-list dt { font-size: .7rem; }

  /* Footer */
  .footer-col h3 { font-size: .72rem; }
  .footer-col a { font-size: .85rem; }
  .footer-tag { font-size: .95rem; }
  .footer-copy { font-size: .8rem; }
  .subscribe-row input { font-size: 1rem; padding: .5rem .8rem; }
  .footer-base { font-size: .72rem; }

  .error-code { font-size: 3.2rem; }
}