@import url("https://fonts.googleapis.com/css2?family=Manrope:wght@500;700;800&family=IBM+Plex+Sans:wght@400;500;600&display=swap");

:root {
    --bg-0: #081321;
    --bg-1: #0f2034;
    --bg-2: #18324f;
    --paper: #f6f2e8;
    --ink: #112033;
    --ink-soft: #3b4d63;
    --line: #ccd7e4;
    --primary: #0fa67f;
    --primary-strong: #077b5d;
    --accent: #f2c94c;
    --danger-bg: #ffe7e7;
    --danger-fg: #8a1f28;
    --success-bg: #e8f8ef;
    --success-fg: #1c6540;
    --radius-lg: 18px;
    --radius-md: 12px;
    --shadow-lg: 0 28px 60px rgba(6, 13, 24, 0.2);
    --shadow-md: 0 12px 24px rgba(14, 24, 39, 0.12);
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: "IBM Plex Sans", "Segoe UI", sans-serif;
    color: var(--ink);
    background:
        radial-gradient(circle at 12% -6%, #2f4d6f 0%, transparent 35%),
        radial-gradient(circle at 92% 8%, #1e5364 0%, transparent 30%),
        linear-gradient(135deg, var(--bg-0) 0%, var(--bg-1) 42%, var(--bg-2) 100%);
    min-height: 100vh;
}

.admin-shell-body {
    background: #eef3f8;
    color: #112033;
}

.admin-shell {
    display: grid;
    grid-template-columns: 280px minmax(0, 1fr);
    min-height: 100vh;
}

.admin-sidebar {
    position: sticky;
    top: 0;
    display: flex;
    flex-direction: column;
    gap: 1.2rem;
    height: 100vh;
    padding: 1.3rem 1rem;
    background: linear-gradient(180deg, #0e2035 0%, #173452 100%);
    color: #dbe8f5;
}

.admin-sidebar-brand {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    text-decoration: none;
    color: #ffffff;
}

.admin-sidebar-mark {
    width: 42px;
    height: 42px;
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0fa67f 0%, #3ac3a2 100%);
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-weight: 800;
    overflow: hidden;
}

.admin-sidebar-logo {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.admin-sidebar-brand strong,
.admin-sidebar-brand small {
    display: block;
}

.admin-sidebar-brand small {
    color: #9db5cb;
    margin-top: 0.15rem;
}

.admin-sidebar-nav {
    display: grid;
    gap: 0.35rem;
}

.admin-sidebar-nav a,
.admin-sidebar-footer a {
    display: flex;
    align-items: center;
    gap: 0.7rem;
    padding: 0.78rem 0.9rem;
    border-radius: 14px;
    color: #d7e6f4;
    text-decoration: none;
    transition: background 180ms ease, color 180ms ease, transform 180ms ease;
}

.admin-sidebar-nav a:hover,
.admin-sidebar-footer a:hover,
.admin-sidebar-nav a.is-active {
    background: rgba(255, 255, 255, 0.1);
    color: #ffffff;
    transform: translateX(2px);
}

.admin-sidebar-nav i {
    width: 18px;
    text-align: center;
}

.admin-sidebar-footer i {
    width: 18px;
    text-align: center;
}

.admin-sidebar-footer {
    margin-top: auto;
    display: grid;
    gap: 0.35rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.admin-nav-badge {
    margin-left: auto;
    min-width: 20px;
    height: 20px;
    padding: 0 6px;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.72rem;
    font-weight: 700;
    background: #ffd166;
    color: #2f2200;
}

.admin-main-shell {
    display: flex;
    flex-direction: column;
    min-width: 0;
}

.admin-topbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 1.3rem 1.6rem 0.8rem;
}

.admin-topbar-title-wrap {
    display: flex;
    align-items: center;
    gap: 0.8rem;
}

.admin-menu-toggle {
    display: none;
    width: 42px;
    height: 42px;
    border-radius: 12px;
    padding: 0;
    align-items: center;
    justify-content: center;
    background: #ffffff;
    border: 1px solid #d4deea;
    color: #123452;
}

.admin-menu-toggle:hover {
    background: #f3f8fd;
    transform: none;
}

.admin-topbar h1 {
    margin: 0;
    font-family: "Manrope", sans-serif;
    font-size: clamp(1.5rem, 2.2vw, 2.1rem);
    color: #10263e;
}

.admin-topbar-kicker {
    margin: 0 0 0.3rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
    font-weight: 700;
    color: #6a7f94;
}

.admin-topbar-meta {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    color: #51697e;
}

.admin-topbar-avatar {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    object-fit: cover;
    border: 1px solid #d3ddeb;
    background: #ffffff;
}

.admin-topbar-avatar-fallback {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: #ffffff;
    background: #1a486f;
}

.admin-topbar-meta a {
    color: #0b7f65;
    text-decoration: none;
    font-weight: 700;
}

.admin-content {
    padding: 0.2rem 1.6rem 1.4rem;
}

.admin-panel {
    border-radius: 24px;
    background: #ffffff;
    border: 1px solid #dbe4ee;
    box-shadow: 0 18px 36px rgba(15, 28, 45, 0.08);
    padding: 1.35rem;
}

.admin-grid {
    display: grid;
    gap: 1rem;
}

.admin-stats-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
    margin-bottom: 1rem;
}

.admin-stat-card {
    padding: 1rem 1.1rem;
    border-radius: 20px;
    background: linear-gradient(180deg, #fbfdff 0%, #f3f8fd 100%);
    border: 1px solid #dce5ef;
    box-shadow: 0 12px 28px rgba(15, 28, 45, 0.05);
}

.admin-stat-card strong {
    display: block;
    font-size: 1.5rem;
    font-family: "Manrope", sans-serif;
    color: #10263e;
}

.admin-stat-card span {
    display: block;
    margin-top: 0.25rem;
    color: #587087;
}

.admin-footer {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    padding: 0 1.6rem 1.2rem;
    color: #697f93;
    font-size: 0.9rem;
}

.admin-sidebar-overlay {
    display: none;
}

.container {
    width: min(1180px, 92vw);
    margin: 0 auto;
}

.nav {
    position: sticky;
    top: 0;
    z-index: 20;
    backdrop-filter: blur(8px);
    background: rgba(9, 20, 33, 0.82);
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.nav .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 0;
}

.brand {
    font-family: "Manrope", sans-serif;
    font-weight: 800;
    letter-spacing: 0.04em;
    color: #f5f7fc;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 0.35rem;
    flex-wrap: wrap;
    justify-content: flex-end;
}

.nav a {
    color: #dce9f7;
    text-decoration: none;
    font-size: 0.92rem;
    border-radius: 999px;
    padding: 0.48rem 0.78rem;
    transition: 180ms ease;
}

.nav a:hover {
    color: #fff;
    background: rgba(255, 255, 255, 0.11);
}

.lang-chip {
    border: 1px solid rgba(255, 255, 255, 0.22);
}

main {
    padding-bottom: 2rem;
}

.hero {
    margin-top: 1.6rem;
    padding: 3rem;
    border-radius: var(--radius-lg);
    background:
        linear-gradient(110deg, rgba(9, 34, 58, 0.95) 0%, rgba(20, 64, 91, 0.9) 52%, rgba(10, 77, 77, 0.85) 100%);
    color: #e7f2ff;
    box-shadow: var(--shadow-lg);
    animation: riseIn 480ms ease-out;
}

.hero h1 {
    font-family: "Manrope", sans-serif;
    font-size: clamp(2rem, 4vw, 3.4rem);
    line-height: 1.1;
    margin: 0;
    max-width: 16ch;
}

.hero p {
    margin: 0.9rem 0 0;
    max-width: 60ch;
    color: #d4e4f4;
}

.kicker {
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
    font-weight: 700;
    color: #193550;
}
.hero-band {
    margin-top: 1.6rem;
    display: grid;
    grid-template-columns: repeat(3, minmax(160px, 1fr));
    gap: 0.75rem;
}

.hero-stat {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 14px;
    padding: 0.85rem 0.95rem;
}

.hero-stat strong {
    display: block;
    font-family: "Manrope", sans-serif;
    font-size: 1.25rem;
    color: #ffffff;
}

.hero-stat span {
    color: #cbe0f5;
    font-size: 0.85rem;
}

.section-title {
    margin: 2rem 0 0.8rem;
    color: #ecf4ff;
    font-family: "Manrope", sans-serif;
    font-size: 1.2rem;
}

.grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1rem;
}

.card {
    background: var(--paper);
    border-radius: var(--radius-lg);
    padding: 1.2rem;
    box-shadow: var(--shadow-md);
    border: 1px solid #dce4ee;
    animation: riseIn 400ms ease-out;
}

.card h2,
.card h3 {
    margin-top: 0;
    font-family: "Manrope", sans-serif;
}

.card p {
    color: var(--ink-soft);
}

.card h1 {
    font-family: "Manrope", sans-serif;
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    margin: 0 0 0.5rem;
    color: #081321;
}

.card h2 {
    font-size: 1.4rem;
    margin: 1.5rem 0 0.6rem;
    color: #081321;
}

.card h3 {
    font-size: 1.1rem;
    margin: 1.2rem 0 0.5rem;
    color: #152b44;
}

.card h4 {
    font-family: "Manrope", sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    margin: 0.9rem 0 0.4rem;
    color: #152b44;
    letter-spacing: 0.3px;
    text-transform: uppercase;
}

.form-grid-2 {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin: 1rem 0;
}

.application-page {
    padding-top: 1.5rem;
}

.application-shell {
    display: grid;
    grid-template-columns: 320px minmax(0, 1fr);
    gap: 1.25rem;
    align-items: start;
}

.application-sidebar {
    position: sticky;
    top: 5.6rem;
}

.application-sidebar-panel {
    background:
        radial-gradient(circle at top left, rgba(242, 201, 76, 0.32) 0%, transparent 34%),
        linear-gradient(155deg, rgba(8, 22, 37, 0.96) 0%, rgba(13, 44, 60, 0.92) 100%);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 26px;
    padding: 1.5rem;
    color: #edf7ff;
    box-shadow: 0 24px 48px rgba(2, 10, 19, 0.26);
}

.application-kicker {
    margin: 0 0 0.5rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-size: 0.74rem;
    font-weight: 700;
    color: #9fd7cf;
}

.application-sidebar-panel h1 {
    margin: 0;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: clamp(1.5rem, 2.4vw, 2rem);
    line-height: 1.05;
}

.application-sidebar-copy {
    margin: 0.85rem 0 1.4rem;
    color: #c7dceb;
    line-height: 1.6;
}

.application-step-list {
    display: grid;
    gap: 0.8rem;
}

.application-step-card {
    display: grid;
    grid-template-columns: 54px minmax(0, 1fr);
    gap: 0.85rem;
    align-items: start;
    padding: 0.95rem;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    text-decoration: none;
    color: inherit;
}

a.application-step-card {
    transition: border-color 0.15s ease, transform 0.15s ease, background 0.15s ease;
}

a.application-step-card:hover {
    border-color: rgba(242, 201, 76, 0.45);
    transform: translateY(-1px);
}

.application-step-card strong {
    display: block;
    color: #ffffff;
    font-size: 0.98rem;
    margin-bottom: 0.2rem;
}

.application-step-card span {
    display: block;
    color: #c2d6e4;
    font-size: 0.83rem;
    line-height: 1.45;
}

.application-step-card.active {
    background: linear-gradient(135deg, rgba(15, 166, 127, 0.18) 0%, rgba(255, 255, 255, 0.08) 100%);
    border-color: rgba(124, 231, 204, 0.45);
}

.application-step-card.completed {
    background: rgba(255, 255, 255, 0.1);
}

.application-step-index {
    width: 54px;
    height: 54px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: "Manrope", sans-serif;
    font-weight: 800;
    background: rgba(255, 255, 255, 0.08);
    color: #ffffff;
    border: 1px solid rgba(255, 255, 255, 0.14);
}

.application-step-card.active .application-step-index {
    background: linear-gradient(135deg, #0fa67f 0%, #22c1a0 100%);
    border-color: transparent;
}

.application-step-card.completed .application-step-index {
    background: rgba(242, 201, 76, 0.16);
    color: #f8d97b;
}

.application-help-card {
    margin-top: 1.1rem;
    padding: 1rem 1.05rem;
    border-radius: 18px;
    background: rgba(245, 249, 253, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.application-help-label {
    display: inline-block;
    margin-bottom: 0.35rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-size: 0.72rem;
    color: #9fd7cf;
}

.application-help-card strong {
    display: block;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: 1rem;
}

.application-help-card p {
    margin: 0.45rem 0 0;
    color: #c2d6e4;
    font-size: 0.9rem;
    line-height: 1.5;
}

.application-help-actions {
    margin-top: 0.7rem;
}

.application-reset-link {
    color: #f7d674;
    text-decoration: underline;
    text-underline-offset: 2px;
    font-weight: 600;
    font-size: 0.84rem;
}

.application-reset-link:hover {
    color: #ffe8a4;
}

.application-main {
    display: grid;
    gap: 0.85rem;
}

.application-header {
    display: flex;
    justify-content: space-between;
    gap: 1.25rem;
    align-items: end;
    padding: 1.5rem;
    border-radius: 24px;
    border: 1px solid rgba(255, 255, 255, 0.1);
    background:
        radial-gradient(circle at top right, rgba(242, 201, 76, 0.2) 0%, transparent 24%),
        linear-gradient(135deg, rgba(14, 33, 52, 0.96) 0%, rgba(19, 61, 89, 0.94) 58%, rgba(16, 104, 94, 0.9) 100%);
    box-shadow: 0 24px 48px rgba(8, 16, 29, 0.28);
}

.application-header h2 {
    margin: 0;
    color: #ffffff;
    font-size: clamp(1.55rem, 2.8vw, 2.2rem);
}

.application-header .muted {
    margin-top: 0.5rem;
    max-width: 54ch;
    color: #d6e5f3;
}

.application-header-meta {
    display: grid;
    grid-template-columns: repeat(2, minmax(120px, 1fr));
    gap: 0.8rem;
    min-width: 260px;
}

.application-header-meta div {
    padding: 0.95rem 1rem;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.12);
}

.application-header-meta span {
    display: block;
    font-size: 0.74rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #b7d0e4;
}

.application-header-meta strong {
    display: block;
    margin-top: 0.25rem;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: 1.08rem;
}

.application-stage {
    padding: 1.2rem;
    border-radius: 22px;
}

.application-form {
    display: grid;
    gap: 0.8rem;
}

.application-section {
    position: relative;
    padding: 1.05rem;
    border-radius: 18px;
    background: linear-gradient(180deg, #fffdf9 0%, #f7f9fc 100%);
    border: 1px solid #dde5ee;
    box-shadow: 0 10px 22px rgba(13, 34, 52, 0.05);
}

.application-section::before {
    content: "";
    position: absolute;
    left: 1rem;
    right: 1rem;
    top: 0.65rem;
    height: 2px;
    border-radius: 999px;
    background: linear-gradient(90deg, rgba(15, 166, 127, 0.4) 0%, rgba(242, 201, 76, 0.28) 100%);
    pointer-events: none;
}

.application-section-muted {
    background: linear-gradient(180deg, #f5f9fd 0%, #eef5fb 100%);
}

.section-heading {
    margin-bottom: 0.75rem;
}

.section-heading h3 {
    margin: 0;
    font-family: "Manrope", sans-serif;
    font-size: 1.12rem;
    color: #10263e;
}

.section-heading p {
    margin: 0.25rem 0 0;
    color: #557089;
    font-size: 0.88rem;
}

.application-form label {
    margin: 0.72rem 0 0.32rem;
    font-size: 0.9rem;
}

.application-form input,
.application-form select,
.application-form textarea {
    padding: 0.64rem 0.68rem;
    margin-bottom: 0.45rem;
    border-radius: 8px;
}

.application-form .form-grid-2 {
    gap: 0.85rem;
    margin: 0.7rem 0;
    padding: 0.72rem 0.82rem 0.55rem;
    border-radius: 14px;
    border: 1px solid #dde5ee;
    background: rgba(255, 255, 255, 0.62);
}

.required-mark {
    color: #d93a4b;
}

.action-row {
    display: flex;
    gap: 0.9rem;
    margin-top: 0.15rem;
    width: 100%;
    box-sizing: border-box;
}

.action-row-split > * {
    flex: 1;
}

.product-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1rem;
    margin-bottom: 1rem;
}

.product-option {
    margin: 0;
}

.product-option input[type="radio"] {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.product-card {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    min-height: 100%;
    padding: 1.15rem;
    border-radius: 20px;
    border: 1px solid #d7e0ea;
    background: #ffffff;
    box-shadow: 0 10px 18px rgba(16, 31, 48, 0.06);
    transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.product-option:hover .product-card {
    transform: translateY(-2px);
    border-color: #9fcfc1;
    box-shadow: 0 18px 30px rgba(18, 43, 67, 0.09);
}

.product-option input[type="radio"]:checked + .product-card {
    border-color: #0fa67f;
    background: linear-gradient(180deg, #f5fffb 0%, #ecf8f4 100%);
    box-shadow: 0 18px 32px rgba(15, 166, 127, 0.16);
}

.product-card-top {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.product-card strong {
    font-family: "Manrope", sans-serif;
    color: #11263d;
    font-size: 1rem;
}

.product-range {
    color: #0a7f64;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.product-range.tenure-indicator {
    color: #d8a200;
}

.product-copy {
    color: #4c6278;
    font-size: 0.92rem;
    line-height: 1.55;
}

.collateral-fields {
    margin-top: 1rem;
}

.document-checklist {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 0.65rem;
    margin-bottom: 0.8rem;
}

.document-checklist div {
    padding: 0.9rem 1rem;
    border-radius: 16px;
    background: #ffffff;
    border: 1px solid #d8e3ee;
    color: #28445f;
    font-size: 0.9rem;
    box-shadow: 0 10px 18px rgba(21, 43, 68, 0.05);
}

.document-input-list {
    display: grid;
    gap: 0.6rem;
    margin-bottom: 0.7rem;
}

.document-input-row {
    display: flex;
    gap: 0.6rem;
    align-items: center;
}

.document-input-row input[type="file"] {
    flex: 1;
}

.document-remove-btn {
    flex: 0 0 auto;
    min-width: 90px;
}

.upload-box {
    padding: 0.85rem 0.9rem 0.35rem;
    border-radius: 18px;
    border: 1px dashed #aac5dc;
    background: rgba(255, 255, 255, 0.72);
}

.upload-box small {
    display: block;
    margin-top: 0.15rem;
    color: #627b91;
    font-size: 0.82rem;
}

.review-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.75rem;
}

.review-card {
    position: relative;
    overflow: hidden;
    padding: 1rem;
    border-radius: 18px;
    background: linear-gradient(180deg, #ffffff 0%, #f7fafc 100%);
    border: 1px solid #dde6ef;
}

.review-card::after {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: linear-gradient(90deg, rgba(15, 166, 127, 0.45) 0%, rgba(242, 201, 76, 0.32) 100%);
}

.review-card-wide {
    grid-column: 1 / -1;
}

.review-card h4 {
    margin: 0 0 0.7rem;
}

.review-list {
    display: grid;
    grid-template-columns: 145px minmax(0, 1fr);
    gap: 0.5rem 0.75rem;
    margin: 0;
}

.review-list dt {
    margin: 0;
    font-weight: 700;
    color: #12314d;
    font-size: 0.86rem;
}

.review-list dd {
    margin: 0;
    color: #4e667d;
    font-size: 0.88rem;
}

.terms-box {
    display: block;
    margin-top: 0.2rem;
    margin-bottom: 0.8rem;
    padding: 0.8rem 0.95rem;
    border-radius: 18px;
    background: linear-gradient(135deg, #fff8e6 0%, #fff2cf 100%);
    border: 1px solid #efd797;
}

.checkbox-row {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin: 0;
}

.checkbox-row input[type="checkbox"] {
    width: auto;
    margin: 0.2rem 0 0;
    accent-color: #0fa67f;
}

.checkbox-row span {
    display: block;
    color: #173149;
    line-height: 1.55;
}


@media (max-width: 768px) {
    .form-grid-2 {
        grid-template-columns: 1fr;
    }

    .application-header {
        flex-direction: column;
        align-items: stretch;
    }

    .application-header-meta {
        min-width: 0;
    }

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

    .review-list {
        grid-template-columns: 1fr;
        gap: 0.3rem;
    }

    .review-list dd {
        margin-bottom: 0.7rem;
    }

    .action-row {
        flex-direction: column;
    }

    .application-form .form-grid-2 {
        padding: 0.6rem 0.65rem 0.45rem;
    }

    .admin-filters {
        grid-template-columns: 1fr;
    }

    .admin-bulk-bar {
        grid-template-columns: 1fr;
    }

    .pagination {
        justify-content: flex-start;
        flex-wrap: wrap;
    }
}
.panel {
    margin-top: 1.5rem;
}

.auth-wrap,
.form-wrap {
    width: min(780px, 100%);
    margin: 2rem auto;
}

.auth-grid {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 1rem;
}

.auth-side {
    border-radius: var(--radius-lg);
    padding: 1.3rem;
    background: linear-gradient(160deg, #f0b948 0%, #f7d77a 100%);
}

.auth-side h3 {
    margin-top: 0;
    font-family: "Manrope", sans-serif;
}

.kicker {
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
    font-weight: 700;
    color: #193550;
}

label {
    display: block;
    font-weight: 600;
    margin: 1rem 0 0.5rem;
    color: #152b44;
    font-size: 0.95rem;
}

.form-group {
    margin-bottom: 0.25rem;
}

input,
select,
textarea {
    width: 100%;
    border-radius: 6px;
    border: 1px solid #d0d8e0;
    padding: 0.75rem;
    font: inherit;
    font-size: 1rem;
    background: #ffffff;
    color: #152b44;
    transition: 200ms ease;
    margin-bottom: 0.75rem;
}

input::placeholder,
textarea::placeholder {
    color: #9ca3af;
}

input:hover,
select:hover,
textarea:hover {
    border-color: #0fa67f;
    box-shadow: 0 0 0 2px rgba(15, 166, 127, 0.05);
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: #0fa67f;
    box-shadow: 0 0 0 3px rgba(15, 166, 127, 0.15);
}

textarea {
    resize: vertical;
    min-height: 120px;
    font-family: inherit;
}

select {
    appearance: none;
    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 fill='%23152b44' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 0.75rem center;
    background-color: #ffffff;
    padding-right: 2.5rem;
    cursor: pointer;
}

button,
.btn {
    background: #0fa67f;
    color: #ffffff;
    padding: 0.8rem 1.5rem;
    border: none;
    border-radius: 6px;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: 200ms ease;
    display: inline-block;
    text-decoration: none;
    text-align: center;
}

button:hover,
.btn:hover {
    background: #077b5d;
    transform: translateY(-1px);
}

button:active,
.btn:active {
    transform: translateY(0);
}

.btn-accent {
    background: #16395b;
}

.btn-accent:hover {
    background: #0f2844;
}

.btn-ghost {
    background: transparent;
    color: #16395b;
    border: 1px solid #d0d8e0;
}

.btn-ghost:hover {
    background: #f8fafb;
    border-color: #16395b;
}

.btn-danger {
    background: #c2414b;
    color: #ffffff;
}

.btn-danger:hover {
    background: #a7343d;
}

.badge {
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    padding: 0.24rem 0.7rem;
    font-size: 0.78rem;
    background: #dff4eb;
    color: #0a624a;
    text-transform: capitalize;
}

.table-wrap {
    overflow-x: auto;
}

.table {
    width: 100%;
    min-width: 780px;
    border-collapse: collapse;
    font-size: 0.95rem;
}

.table th,
.table td {
    text-align: left;
    padding: 0.75rem;
    border-bottom: 1px solid #dbe4ef;
    vertical-align: top;
}

.table th {
    color: #2a4460;
    background: #edf2f8;
    font-weight: 700;
}

.admin-action-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.55rem;
    align-items: center;
}

.admin-action-row form {
    margin: 0;
}

.admin-action-row .btn,
.admin-action-row button {
    margin: 0;
}

.locale-tabs {
    display: grid;
    gap: 1rem;
}

.locale-tab-list {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
}

.locale-tab-button {
    appearance: none;
    border: 1px solid #d7e3ef;
    background: #f7fafc;
    color: #35516a;
    border-radius: 999px;
    padding: 0.55rem 0.95rem;
    font-weight: 700;
    font-size: 0.84rem;
    cursor: pointer;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.locale-tab-button:hover {
    border-color: #9fb4c8;
    color: #15324f;
}

.locale-tab-button.is-active {
    background: #15324f;
    color: #ffffff;
    border-color: #15324f;
    box-shadow: 0 10px 22px rgba(21, 50, 79, 0.16);
}

.locale-tab-panel {
    border: 1px solid #d7e3ef;
    border-radius: 16px;
    background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
    padding: 1rem;
    box-shadow: 0 12px 24px rgba(15, 28, 45, 0.05);
}

.locale-tab-panel[hidden] {
    display: none;
}

.locale-panel-header {
    margin-bottom: 0.9rem;
}

.locale-panel-header h3,
.locale-panel-header h4 {
    margin: 0 0 0.2rem;
    color: #15324f;
}

.locale-panel-header p {
    margin: 0;
}

.admin-action-row-stack {
    flex-direction: column;
    align-items: stretch;
}

.admin-manager-toolbar {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
    align-items: center;
    justify-content: space-between;
}

.admin-search-inline {
    display: flex;
    gap: 0.5rem;
    align-items: center;
    flex-wrap: nowrap;
}

.admin-search-inline input {
    min-width: 280px;
    flex: 1 1 auto;
}

.compact-admin-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 0.8rem;
}

.compact-item-card {
    border: 1px solid #d7e3ef;
    border-radius: 14px;
    background: #ffffff;
    padding: 0.85rem;
    box-shadow: 0 9px 22px rgba(15, 28, 45, 0.07);
    display: grid;
    gap: 0.55rem;
}

.compact-item-card h3 {
    margin: 0;
    color: #15324f;
    font-size: 1rem;
}

.compact-item-head {
    display: flex;
    gap: 0.65rem;
    align-items: center;
}

.compact-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #1e4e76 0%, #3f7aac 100%);
    color: #ffffff;
    font-weight: 700;
    font-size: 0.9rem;
    box-shadow: 0 6px 16px rgba(15, 28, 45, 0.15);
    flex: 0 0 44px;
}

.compact-avatar-image {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
    display: block;
    box-shadow: 0 6px 16px rgba(15, 28, 45, 0.15);
    flex: 0 0 44px;
}

.compact-item-head-copy {
    min-width: 0;
    display: grid;
    gap: 0.1rem;
}

.compact-item-card p {
    margin: 0;
}

.compact-item-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem;
}

.compact-meta-pill {
    display: inline-flex;
    align-items: center;
    padding: 0.2rem 0.45rem;
    border-radius: 999px;
    background: #edf3f9;
    color: #2a4764;
    font-size: 0.74rem;
    font-weight: 600;
}

.compact-quote {
    color: #375169;
    line-height: 1.5;
    font-size: 0.91rem;
}

.compact-answer {
    color: #355067;
    line-height: 1.52;
    font-size: 0.9rem;
}

.compact-stars {
    color: #f0b733;
    letter-spacing: 1px;
    font-size: 0.88rem;
    font-weight: 700;
}

.admin-filters {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 0.65rem;
    align-items: center;
}

.admin-filters input,
.admin-filters select,
.admin-filters button {
    margin: 0;
}

.pagination {
    display: flex;
    align-items: center;
    gap: 0.7rem;
    justify-content: flex-end;
    margin-top: 0.9rem;
}

.pagination a,
.pagination .is-current {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    padding: 0.45rem 0.9rem;
    border: 1px solid #d2dbe6;
    background: #ffffff;
    color: #153652;
    text-decoration: none;
    font-size: 0.9rem;
}

.pagination .is-current {
    border-color: #1b466f;
    background: #eef5fd;
    font-weight: 700;
}

.table-sort-link {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: inherit;
    text-decoration: none;
}

.table-sort-link:hover {
    text-decoration: underline;
}

.admin-bulk-bar {
    display: grid;
    grid-template-columns: minmax(120px, auto) minmax(170px, 1fr) minmax(170px, 1fr) minmax(220px, 1.6fr) auto;
    gap: 0.65rem;
    align-items: center;
    padding: 0.85rem;
    border: 1px solid #dbe4ef;
    border-radius: 16px;
    background: #f7fbff;
}

.admin-bulk-bar input,
.admin-bulk-bar select,
.admin-bulk-bar button {
    margin: 0;
}

.admin-bulk-bar strong {
    color: #153652;
}

.muted {
    color: var(--ink-soft);
}

.alert {
    margin: 0.9rem 0;
    padding: 0.95rem 1rem;
    border-radius: 10px;
    font-size: 0.95rem;
    border-left: 4px solid;
}

.alert-error {
    background: #fef1f1;
    color: #7d1a24;
    border-left-color: #c2414b;
}

.alert-success {
    background: #e8f8ef;
    color: #1c6540;
    border-left-color: var(--primary);
}

.badge {
    display: inline-flex;
    align-items: center;
    border-radius: 20px;
    padding: 0.25rem 0.8rem;
    font-size: 0.8rem;
    font-weight: 600;
    background: #dff4eb;
    color: #0a624a;
    text-transform: capitalize;
}

.badge.badge-warning {
    background: #fef0dd;
    color: #9a6d1a;
}

.badge.badge-danger {
    background: #fef1f1;
    color: #7d1a24;
}

.step-indicator {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 0.65rem;
    margin: 0 0 1rem;
}

.step-indicator-item {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    min-height: 68px;
    padding: 0.62rem 0.68rem;
    border-radius: 14px;
    border: 1px solid #d7e1ec;
    background: linear-gradient(180deg, #fbfdff 0%, #f2f6fa 100%);
}

.step-indicator-dot {
    flex-shrink: 0;
    width: 34px;
    height: 34px;
    border-radius: 11px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.72rem;
    font-family: "Manrope", sans-serif;
    background: #e6edf4;
    color: #5a738c;
}

.step-indicator-text {
    display: grid;
    gap: 0.12rem;
}

.step-indicator-text strong {
    color: #12293f;
    font-size: 0.7rem;
    line-height: 1.25;
}

.step-indicator-text span {
    color: #658097;
    font-size: 0.62rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.step-indicator-item.active {
    background: linear-gradient(135deg, #0d8a74 0%, #12a387 100%);
    border-color: transparent;
    box-shadow: 0 18px 32px rgba(15, 166, 127, 0.22);
}

.step-indicator-item.active .step-indicator-dot {
    background: rgba(255, 255, 255, 0.16);
    color: #ffffff;
}

.step-indicator-item.active .step-indicator-text strong,
.step-indicator-item.active .step-indicator-text span {
    color: #ffffff;
}

.step-indicator-item.completed {
    background: linear-gradient(180deg, #f7fffb 0%, #edf8f4 100%);
    border-color: #b8ded0;
}

.step-indicator-item.completed .step-indicator-dot {
    background: #0fa67f;
    color: #ffffff;
}

.step-indicator-item.upcoming {
    opacity: 0.92;
}

.timeline {
    margin-top: 1rem;
    display: grid;
    gap: 0.75rem;
}

.timeline-item {
    background: #f2f7fd;
    border-left: 4px solid #5a90c8;
    border-radius: 10px;
    padding: 0.7rem 0.8rem;
}

.footer {
    margin-top: 2.2rem;
    padding: 1.2rem 0 2.5rem;
    color: #d2dfef;
}

.public-site {
    background:
        radial-gradient(circle at top left, rgba(212, 224, 235, 0.7) 0%, transparent 24%),
        linear-gradient(180deg, #f6f8fb 0%, #eef3f7 42%, #f7f4ef 100%);
    color: #112033;
}

.public-site .container {
    width: min(1200px, 92vw);
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 40;
    background: rgba(247, 249, 252, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(17, 32, 51, 0.08);
    box-shadow: 0 14px 32px rgba(16, 30, 46, 0.06);
}

.site-header-main {
    border-bottom: 1px solid rgba(17, 32, 51, 0.08);
}

.site-header-row {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    align-items: center;
    padding: 0.95rem 0;
}

.site-brand {
    display: inline-flex;
    align-items: center;
    gap: 0.85rem;
    text-decoration: none;
}

.site-brand-logo-shell {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 0;
    padding: 0;
    border-radius: 0;
    background: transparent;
    box-shadow: none;
}

.site-brand-logo {
    display: block;
    max-height: 34px;
    width: auto;
    max-width: 220px;
}

.site-brand-mark {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0f2540 0%, #21486f 100%);
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: 1.3rem;
    font-weight: 800;
}

.site-brand-copy {
    display: grid;
    gap: 0.15rem;
}

.site-brand-copy strong {
    color: #10263e;
    font-family: "Manrope", sans-serif;
    font-size: 1rem;
}

.site-brand-copy small {
    color: #5f7388;
    font-size: 0.83rem;
    max-width: 36ch;
}

.site-header-utilities {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 1rem;
    flex-wrap: wrap;
}

.site-lang-switcher,
.site-utility-links,
.site-primary-nav,
.site-menu-group {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.45rem;
}

.site-lang-switcher a,
.site-utility-links a,
.site-primary-nav a,
.site-menu-group a {
    text-decoration: none;
}

.site-lang-switcher a {
    padding: 0.35rem 0.55rem;
    border-radius: 999px;
    border: 1px solid #d6e0ea;
    color: #415a72;
    font-size: 0.8rem;
    font-weight: 700;
}

.site-utility-links a {
    color: #344e66;
    font-size: 0.92rem;
}

.site-apply-btn {
    background: #10263e;
    border-radius: 999px;
    padding-inline: 1.15rem;
}

.site-apply-btn:hover {
    background: #183a5c;
}

.site-nav-row {
    padding: 0.8rem 0;
}

.site-primary-nav {
    gap: 0.55rem;
}

.site-primary-nav a {
    padding: 0.5rem 0.7rem;
    border-radius: 999px;
    color: #183553;
    font-size: 0.95rem;
    font-weight: 600;
}

.site-primary-nav a.is-active,
.site-primary-nav a:hover {
    background: #10263e;
    color: #ffffff;
}

.site-menu-strip {
    background: linear-gradient(180deg, #fbfcfd 0%, #f1f5f8 100%);
    border-top: 1px solid rgba(17, 32, 51, 0.04);
}

.site-menu-strip-row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
    padding: 0.8rem 0 1rem;
}

.site-menu-group {
    align-items: center;
    gap: 0.55rem;
}

.site-menu-group span {
    color: #7b8b99;
    font-size: 0.74rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.09em;
    margin-right: 0.3rem;
}

.site-menu-group a {
    color: #35516a;
    font-size: 0.88rem;
    padding: 0.28rem 0;
}

.site-menu-group a:hover {
    color: #10263e;
}

.public-main {
    display: grid;
    gap: 1.2rem;
    padding: 1.6rem 0 3rem;
}

.page-hero {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
    gap: 1.2rem;
    align-items: center;
    padding: 1.4rem;
    border-radius: 28px;
    background: linear-gradient(135deg, #fffdf8 0%, #f7fbfd 100%);
    border: 1px solid #dde6ef;
    box-shadow: 0 24px 44px rgba(15, 28, 45, 0.08);
}

.page-hero-narrow {
    grid-template-columns: minmax(0, 1fr) minmax(240px, 0.7fr);
}

/* ── User dashboard avatar ────────────────────────────────────────────── */
.user-hero-inner {
    display: flex;
    align-items: flex-start;
    gap: 1.6rem;
}

.workspace-hero {
    grid-template-columns: minmax(0, 1fr);
}

.workspace-hero .user-hero-inner {
    width: 100%;
    justify-content: space-between;
}

.workspace-hero .user-hero-inner > div:last-child {
    flex: 1;
}

.workspace-hero h1 {
    max-width: 100%;
}

.workspace-hero .hero-copy {
    max-width: 82ch;
}

.user-avatar-block {
    position: relative;
    flex-shrink: 0;
}

.user-avatar-img,
.user-avatar-initials {
    width: 88px;
    height: 88px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.user-avatar-img {
    object-fit: cover;
    border: 3px solid #dde6ef;
}

.user-avatar-initials {
    background: var(--primary, #0a624a);
    color: #fff;
    font-size: 2rem;
    font-weight: 700;
    font-family: "Manrope", sans-serif;
    user-select: none;
}

.avatar-upload-form {
    position: absolute;
    bottom: 0;
    right: 0;
}

.avatar-upload-label {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--primary, #0a624a);
    color: #fff;
    font-size: 0.72rem;
    cursor: pointer;
    border: 2px solid #fff;
    transition: opacity 0.15s;
}

.avatar-upload-label:hover {
    opacity: 0.82;
}

.avatar-upload-input {
    display: none;
}

/* header avatar thumbnail */
.site-utility-avatar {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid rgba(255,255,255,0.4);
    vertical-align: middle;
}

/* ── User account sub-navigation ──────────────────────────────────────── */
.user-subnav {
    display: flex;
    gap: 0.35rem;
    margin: 1.5rem 0 0;
    padding-bottom: 0.1rem;
    border-bottom: 2px solid #e8eef4;
    flex-wrap: wrap;
}

.user-subnav-link {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    padding: 0.5rem 1.05rem;
    border-radius: 8px 8px 0 0;
    font-size: 0.875rem;
    font-weight: 600;
    color: #4f667c;
    text-decoration: none;
    border: 2px solid transparent;
    border-bottom: none;
    margin-bottom: -2px;
    transition: color 0.15s, background 0.15s;
}

.user-subnav-link:hover {
    color: #10263e;
    background: #f0f5fa;
}

.user-subnav-link.is-active {
    color: var(--primary, #0a624a);
    background: #fff;
    border-color: #e8eef4;
    border-bottom-color: #fff;
}

/* ── Document list ────────────────────────────────────────────────────── */
.doc-group {
    background: #fff;
    border: 1px solid #dde6ef;
    border-radius: 14px;
    overflow: hidden;
    margin-bottom: 1.25rem;
}

.doc-group-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 0.6rem;
    padding: 0.95rem 1.2rem;
    background: #f7fafc;
    border-bottom: 1px solid #dde6ef;
}

.doc-group-title {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-weight: 700;
    color: #10263e;
    font-size: 0.95rem;
}

.doc-group-meta {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    flex-wrap: wrap;
}

.doc-file-list {
    padding: 0.6rem 0.8rem;
}

.doc-file-row {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.65rem 0.4rem;
    border-bottom: 1px solid #f0f4f8;
    flex-wrap: wrap;
}

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

.doc-file-icon {
    color: #4f667c;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.doc-file-name {
    flex: 1;
    font-size: 0.875rem;
    color: #10263e;
    min-width: 0;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.doc-file-meta {
    font-size: 0.78rem;
    color: #7a93ac;
    white-space: nowrap;
}

.doc-upload-zone {
    padding: 0.9rem 1.2rem;
    border-top: 1px solid #e8eef4;
    background: #fefeff;
}

.doc-upload-zone label {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 0.6rem;
    color: #4f667c;
}

.doc-upload-inner {
    display: flex;
    gap: 0.6rem;
    align-items: center;
    flex-wrap: wrap;
}

.doc-upload-inner input[type="file"] {
    font-size: 0.85rem;
    flex: 1;
    min-width: 0;
}
/* ──────────────────────────────────────────────────────────────────────── */

.home-hero {
    background:
        radial-gradient(circle at top right, rgba(215, 182, 112, 0.22) 0%, transparent 26%),
        linear-gradient(135deg, #fffdf8 0%, #f4f9fc 100%);
}

.section-kicker {
    margin: 0 0 0.5rem;
    color: #7c6c47;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.page-hero h1,
.section-block h2,
.content-card h2,
.markets-card h2 {
    margin: 0;
    color: #10263e;
    font-family: "Manrope", sans-serif;
    line-height: 1.08;
}

.page-hero h1 {
    font-size: clamp(1.6rem, 2.8vw, 2.4rem);
    max-width: 15ch;
}

.hero-copy {
    margin: 0.85rem 0 0;
    color: #4f667c;
    max-width: 60ch;
    font-size: 1.02rem;
    line-height: 1.72;
}

.hero-actions {
    display: flex;
    gap: 0.8rem;
    flex-wrap: wrap;
    margin-top: 1.2rem;
}

.hero-visual-card,
.image-card {
    border-radius: 24px;
    background: linear-gradient(180deg, #f7fafc 0%, #edf3f8 100%);
    border: 1px solid #dde6ef;
    padding: 0.9rem;
}

.hero-visual-card-small {
    max-width: 440px;
    justify-self: end;
}

.hero-visual-card img,
.image-card img {
    display: block;
    width: 100%;
    height: auto;
    border-radius: 18px;
}

.metrics-row {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.85rem;
    margin-top: 1.2rem;
}

.metric-card {
    position: relative;
    overflow: hidden;
    display: grid;
    justify-items: center;
    text-align: center;
    gap: 0.35rem;
    padding: 0.95rem 1rem;
    border-radius: 18px;
    background: linear-gradient(180deg, #ffffff 0%, #f3f8fd 100%);
    border: 1px solid #dde4ec;
    box-shadow: 0 12px 26px rgba(16, 31, 48, 0.08);
    transition: transform 200ms ease, box-shadow 200ms ease;
}

.metric-card::before,
.metric-card::after {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
}

.metric-card::before {
    inset: 10px;
    background-repeat: no-repeat;
    background-size: 100% 100%;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100' preserveAspectRatio='none'%3E%3Cg fill='none' stroke='%232f8f5b' stroke-width='1.8' stroke-linecap='square' stroke-linejoin='miter' opacity='0.10'%3E%3Cpath d='M4 11V4H9'/%3E%3Cpath d='M91 4H96V11'/%3E%3Cpath d='M4 89V96H9'/%3E%3Cpath d='M91 96H96V89'/%3E%3C/g%3E%3C/svg%3E");
}

.metric-card::after {
    content: none;
}

.metric-card > * {
    position: relative;
    z-index: 1;
}

.metric-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 18px 32px rgba(16, 31, 48, 0.12);
}

.metric-icon {
    width: 42px;
    height: 42px;
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(145deg, #e6f1fb 0%, #d2e5f8 100%);
    color: #1c4e78;
    font-size: 1.08rem;
}

.metric-card strong {
    display: block;
    color: #10263e;
    font-family: "Manrope", sans-serif;
    font-size: 1.18rem;
}

.metric-card .metric-label {
    display: block;
    margin-top: 0.2rem;
    color: #587087;
    font-size: 0.85rem;
    line-height: 1.5;
    text-transform: capitalize;
}

.split-section {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.2rem;
}

.split-section-intro {
    align-items: center;
}

.split-section-intro .content-card-accent {
    min-height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.content-card,
.section-block,
.markets-card {
    border-radius: 24px;
    background: #ffffff;
    border: 1px solid #dde6ef;
    box-shadow: 0 16px 36px rgba(15, 28, 45, 0.06);
}

.content-card {
    padding: 1.35rem;
}

.content-card p {
    color: #53697f;
    line-height: 1.72;
}

.content-card-accent {
    position: relative;
    overflow: hidden;
    background: linear-gradient(135deg, #10263e 0%, #1d4c7c 100%);
    border-color: rgba(255, 255, 255, 0.12);
    box-shadow: 0 24px 42px rgba(10, 27, 44, 0.28);
}

.content-card-accent::before {
    content: "";
    position: absolute;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    right: -90px;
    top: -120px;
    background: radial-gradient(circle, rgba(121, 184, 234, 0.32) 0%, rgba(121, 184, 234, 0) 72%);
    animation: introGlow 8s ease-in-out infinite;
}

.content-card-accent::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(120deg, rgba(255, 255, 255, 0.08) 12%, rgba(255, 255, 255, 0) 42%);
    pointer-events: none;
}

.content-card-accent > * {
    position: relative;
    z-index: 1;
}

.content-card-accent h2,
.content-card-accent p,
.content-card-accent .section-kicker,
.content-card-accent .text-link {
    color: #ffffff;
}

.content-card-accent .text-link {
    border-bottom: 1px solid rgba(255, 255, 255, 0.34);
}

.content-card-accent .text-link:hover {
    color: #d9ebff;
}

.content-card-muted {
    background: linear-gradient(180deg, #f7fafc 0%, #edf3f8 100%);
}

.section-block {
    padding: 1.35rem;
}

.section-block-muted {
    background: linear-gradient(180deg, #f8fbfd 0%, #f2f6fa 100%);
}

.section-block-dark {
    background: linear-gradient(135deg, #10263e 0%, #173c60 100%);
    border-color: rgba(255, 255, 255, 0.08);
}

.section-block-compact {
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
}

.section-heading-row {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 1rem;
    margin-bottom: 1rem;
}

.section-heading-row-light h2,
.section-heading-row-light .section-kicker {
    color: #ffffff;
}

.loan-calc-block {
    position: relative;
    overflow: hidden;
    background: linear-gradient(140deg, #f6f7f9 0%, #eceef1 100%);
    border: 1px solid #d6dbe2;
    box-shadow: 0 24px 44px rgba(25, 31, 40, 0.14);
}

.loan-calc-block::before,
.loan-calc-block::after {
    content: "";
    position: absolute;
    border-radius: 999px;
    pointer-events: none;
}

.loan-calc-block::before {
    width: 220px;
    height: 220px;
    right: -80px;
    top: -95px;
    background: radial-gradient(circle, rgba(92, 104, 122, 0.15) 0%, rgba(92, 104, 122, 0) 68%);
}

.loan-calc-block::after {
    width: 210px;
    height: 210px;
    left: -95px;
    bottom: -120px;
    background: radial-gradient(circle, rgba(136, 142, 151, 0.2) 0%, rgba(136, 142, 151, 0) 70%);
}

.loan-calc-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 0.75rem;
    align-items: start;
}

.loan-calc-controls,
.loan-calc-results {
    border: 1px solid #d6dbe2;
    border-radius: 18px;
    background: linear-gradient(170deg, rgba(255, 255, 255, 0.96) 0%, rgba(244, 246, 249, 0.94) 100%);
    padding: 0.8rem;
    box-shadow: 0 14px 26px rgba(27, 33, 42, 0.1);
}

.loan-calc-controls {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.62rem 0.7rem;
}

.loan-calc-field {
    display: grid;
    gap: 0.32rem;
    padding: 0.6rem 0.68rem 0.56rem;
    border: 1px solid #dce1e8;
    border-radius: 14px;
    background: linear-gradient(180deg, #ffffff 0%, #f5f6f8 100%);
    transition: border-color 180ms ease, box-shadow 180ms ease, transform 180ms ease;
}

.loan-calc-field:focus-within {
    border-color: #9aa3af;
    box-shadow: 0 0 0 3px rgba(120, 129, 141, 0.16);
    transform: translateY(-1px);
}

.loan-calc-inline {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 120px;
    gap: 0.55rem;
    align-items: center;
}

.loan-calc-controls label {
    font-size: 0.82rem;
    font-weight: 700;
    color: #3d4755;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.loan-calc-controls input[type="range"] {
    accent-color: #5d6673;
    height: 6px;
}

.loan-calc-controls input[type="number"],
.loan-calc-controls select {
    border: 1px solid #d5dae1;
    border-radius: 12px;
    padding: 0.45rem 0.6rem;
    font-size: 0.88rem;
    color: #2f3845;
    background: #fbfbfc;
    box-shadow: inset 0 1px 2px rgba(28, 35, 45, 0.05);
}

.loan-calc-controls input[type="number"]:focus,
.loan-calc-controls select:focus {
    outline: none;
    border-color: #939daa;
    box-shadow: 0 0 0 3px rgba(120, 129, 141, 0.16);
}

.loan-calc-note {
    margin: 0.08rem 0 0;
    padding: 0.34rem 0.52rem;
    border-radius: 999px;
    font-size: 0.75rem;
    color: #5c6674;
    background: rgba(93, 102, 115, 0.1);
    grid-column: 1 / -1;
}

.loan-calc-results {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.62rem;
    background: linear-gradient(140deg, #f6f7f9 0%, #eceff3 55%, #f8f9fb 100%);
    border-color: #d6dbe2;
}

.loan-calc-result-card {
    position: relative;
    overflow: hidden;
    border: 1px solid #d7dce3;
    border-radius: 14px;
    background: linear-gradient(180deg, #ffffff 0%, #f5f7fa 100%);
    padding: 0.62rem 0.72rem;
    box-shadow: 0 8px 16px rgba(24, 31, 41, 0.08);
}

.loan-calc-result-card:nth-child(2) {
    background: linear-gradient(180deg, #ffffff 0%, #f5f6f8 100%);
}

.loan-calc-result-card:nth-child(3) {
    background: linear-gradient(180deg, #ffffff 0%, #f4f6f9 100%);
}

.loan-calc-result-card .loan-calc-result-icon {
    display: grid;
    place-items: center;
    width: 30px;
    height: 30px;
    border-radius: 10px;
    margin-bottom: 0.36rem;
    background: linear-gradient(145deg, #eef1f5 0%, #dfe4ea 100%);
    color: #4a5565;
    font-size: 0.86rem;
}

.loan-calc-result-card:nth-child(2) .loan-calc-result-icon {
    background: linear-gradient(145deg, #edf1f6 0%, #dde3ea 100%);
    color: #4a5565;
}

.loan-calc-result-card:nth-child(3) .loan-calc-result-icon {
    background: linear-gradient(145deg, #edf1f6 0%, #dde3ea 100%);
    color: #4a5565;
}

.loan-calc-result-icon i {
    display: block;
    line-height: 1;
}

.loan-calc-result-card > span:not(.loan-calc-result-icon) {
    display: block;
    font-size: 0.76rem;
    color: #67707d;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.loan-calc-result-card strong {
    display: block;
    margin-top: 0.18rem;
    font-family: "Manrope", sans-serif;
    font-size: 1.18rem;
    color: #2f3845;
    line-height: 1.2;
}

.loan-calc-meta {
    margin-top: 0.05rem;
    font-size: 0.8rem;
    color: #66707d;
    grid-column: 1 / -1;
}

.feature-grid {
    display: grid;
    gap: 1rem;
}

.feature-grid-three {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.feature-grid-four {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.feature-grid-two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.feature-card {
    padding: 1.15rem;
    border-radius: 20px;
    background: linear-gradient(180deg, #ffffff 0%, #f7fafc 100%);
    border: 1px solid #dde6ef;
}

.feature-card h3,
.process-card h3 {
    margin: 0;
    font-family: "Manrope", sans-serif;
    color: #11283f;
}

.feature-card p,
.process-card p {
    color: #556c82;
    line-height: 1.68;
}

.feature-card-tight {
    min-height: 0;
}

.service-card {
    text-align: center;
    display: grid;
    justify-items: center;
    gap: 0.55rem;
}

.service-card .card-icon {
    width: 54px;
    height: 54px;
    border-radius: 16px;
    font-size: 1.35rem;
    margin-bottom: 0.2rem;
}

.feature-card-instrument,
.feature-card-service,
.feature-card-loan {
    min-height: 100%;
}

.feature-card-instrument {
    display: flex;
    flex-direction: column;
}

.feature-card-instrument .text-link {
    margin-top: auto;
}

.eyebrow {
    display: inline-block;
    margin-bottom: 0.5rem;
    color: #8a6d32;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.text-link {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: #0b7f65;
    font-weight: 700;
    text-decoration: none;
}

.text-link:hover {
    color: #095a48;
}

.clean-list {
    margin: 0;
    padding-left: 1.1rem;
    color: #4f677d;
    line-height: 1.7;
}

.compact-list {
    margin-bottom: 0.9rem;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1rem;
}

.process-card {
    padding: 1.15rem;
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
}

.process-card span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    margin-bottom: 0.75rem;
    border-radius: 14px;
    background: rgba(255, 255, 255, 0.14);
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-weight: 800;
}

.process-card h3,
.process-card p {
    color: #edf4fb;
}

.btn-light {
    background: #ffffff;
    color: #10263e;
}

.btn-light:hover {
    background: #f2f4f7;
}

.markets-card {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    align-items: center;
    padding: 1.35rem;
    background: linear-gradient(135deg, #f7f2e7 0%, #fffdf8 100%);
}

.markets-list {
    display: grid;
    grid-template-columns: repeat(6, max-content);
    justify-content: end;
    gap: 0.65rem;
}

.markets-list span:nth-child(-n+3) {
    grid-column: span 2;
}

.markets-list span:nth-child(4) {
    grid-column: 2 / span 2;
}

.markets-list span:nth-child(5) {
    grid-column: 4 / span 2;
}

.markets-list span,
.stats-inline div {
    padding: 0.65rem 0.85rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid #dfd6c0;
    color: #42586d;
    font-size: 0.88rem;
}

.markets-list span {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
}

.markets-list span i {
    color: #1e527e;
}

.stats-inline {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    margin-top: 1rem;
}

.stats-inline span {
    display: block;
    color: #7b8b99;
    font-size: 0.74rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.stats-inline strong {
    display: block;
    margin-top: 0.15rem;
    color: #10263e;
    font-family: "Manrope", sans-serif;
}

.site-footer {
    margin-top: 2rem;
    padding: 2rem 0 2.4rem;
    background: #10263e;
    color: #dce8f3;
}

.public-site .auth-wrap,
.public-site .form-wrap {
    width: min(960px, 100%);
    margin: 0 auto;
}

.public-site .auth-side {
    background: linear-gradient(155deg, #10263e 0%, #1b4469 100%);
    color: #edf4fb;
    border: 1px solid rgba(255, 255, 255, 0.08);
    box-shadow: 0 18px 36px rgba(17, 35, 56, 0.14);
}

.public-site .auth-side p,
.public-site .auth-side .muted {
    color: #d3e0ec;
}

.public-site .auth-side .btn-ghost {
    color: #ffffff;
    border-color: rgba(255, 255, 255, 0.24);
    background: rgba(255, 255, 255, 0.08);
}

.public-site .auth-side .btn-ghost:hover {
    background: rgba(255, 255, 255, 0.16);
    border-color: rgba(255, 255, 255, 0.34);
}

.site-footer-grid {
    display: grid;
    grid-template-columns: 1.3fr repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.site-footer-logo {
    display: block;
    max-width: 220px;
    max-height: 52px;
    width: auto;
    margin-bottom: 0.75rem;
    padding: 0.55rem 0.7rem;
    border-radius: 14px;
    background: #ffffff;
}

.site-footer-contact,
.site-footer-address {
    margin: 0.45rem 0 0;
    color: #c8d7e5;
}

.site-footer-meta-label {
    display: inline-block;
    margin-top: 0.9rem;
    color: #ffffff;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.settings-card {
    width: min(1040px, 100%);
}

.settings-section {
    margin-top: 1.6rem;
    padding-top: 1.2rem;
    border-top: 1px solid #dbe4ee;
}

.settings-section:first-of-type {
    margin-top: 1.2rem;
    padding-top: 0;
    border-top: 0;
}

.settings-section h2 {
    margin: 0 0 0.9rem;
}

.settings-slider-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1rem;
}

.settings-slider-card {
    background: #f1f5f9;
    border: 1px solid #dbe4ee;
    border-radius: 8px;
    padding: 1.1rem 1.2rem;
}

.settings-slider-card-title {
    font-weight: 600;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: var(--text-muted, #6c757d);
    margin: 0 0 0.85rem;
}

.settings-slider-thumb {
    display: block;
    width: 100%;
    max-height: 80px;
    object-fit: cover;
    border-radius: 5px;
    margin-top: 0.45rem;
}

.settings-theme-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 0.9rem;
}

.settings-color-field {
    display: grid;
    gap: 0.45rem;
    margin: 0;
}

.settings-color-input-row {
    display: grid;
    grid-template-columns: 76px minmax(0, 1fr);
    gap: 0.55rem;
    align-items: center;
}

.settings-color-field input[type="color"] {
    min-height: 50px;
    padding: 0.35rem;
    margin-bottom: 0;
}

.settings-color-code {
    margin-bottom: 0;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    font-family: "SFMono-Regular", Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
}

.settings-asset-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.settings-asset-card {
    padding: 1rem;
    border-radius: 18px;
    border: 1px solid #dbe4ee;
    background: linear-gradient(180deg, #fbfdff 0%, #f5f9fd 100%);
}

.settings-asset-preview {
    display: block;
    width: 100%;
    max-height: 120px;
    object-fit: contain;
    margin-top: 0.85rem;
    padding: 0.65rem;
    border-radius: 14px;
    background: #ffffff;
    border: 1px solid #d9e3ed;
}

.settings-asset-preview-darkbg {
    background: linear-gradient(135deg, #10263e 0%, #183e63 100%);
}

.settings-asset-preview-plain {
    background: transparent;
    border: 1px dashed #c9d6e5;
}

.settings-asset-preview-favicon {
    width: 72px;
}

.settings-loan-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.settings-loan-card {
    padding: 1rem;
    border-radius: 18px;
    border: 1px solid #dbe4ee;
    background: linear-gradient(180deg, #fbfdff 0%, #f5f9fd 100%);
}

.settings-loan-card h3 {
    margin: 0 0 0.8rem;
}

.contact-form-card {
    margin: 0;
    width: 100%;
}

.contact-info-list {
    display: grid;
    gap: 1rem;
    margin-top: 1rem;
}

.contact-info-item {
    padding: 1rem 1.05rem;
    border-radius: 18px;
    background: #ffffff;
    border: 1px solid #dbe4ee;
    box-shadow: 0 10px 22px rgba(15, 28, 45, 0.05);
}

.contact-info-item strong {
    display: block;
    margin-bottom: 0.35rem;
    color: #10263e;
    font-family: "Manrope", sans-serif;
}

.contact-info-item a,
.contact-info-item p {
    margin: 0.2rem 0 0;
    color: #4d667d;
    line-height: 1.65;
    text-decoration: none;
}

.contact-info-item a:hover {
    color: #0b7f65;
}

.site-footer h3,
.site-footer h4 {
    margin-top: 0;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
}

.site-footer p,
.site-footer a,
.site-footer span {
    color: #c8d7e5;
    line-height: 1.7;
}

.site-footer a {
    display: block;
    text-decoration: none;
    margin-bottom: 0.2rem;
}

.site-footer a:hover {
    color: #ffffff;
}

.site-footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 1.4rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 0.9rem;
}

@media (max-width: 960px) {
    .admin-stats-grid {
        grid-template-columns: 1fr;
    }

    .application-shell {
        grid-template-columns: 1fr;
    }

    .application-sidebar {
        position: static;
    }

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

    .hero {
        padding: 2rem 1.2rem;
    }

    .hero-band {
        grid-template-columns: 1fr;
    }

    .step-indicator {
        grid-template-columns: 1fr;
    }

    .page-hero,
    .page-hero-narrow,
    .split-section,
    .loan-family-grid,
    .feature-grid-three,
    .feature-grid-four,
    .feature-grid-two,
    .process-grid,
    .site-footer-grid,
    .site-menu-strip-row,
    .metrics-row,
    .settings-asset-grid,
    .settings-loan-grid {
        grid-template-columns: 1fr;
    }

    .site-header-row,
    .section-heading-row,
    .markets-card,
    .site-footer-bottom {
        flex-direction: column;
        align-items: flex-start;
    }

    .site-menu-strip-row {
        gap: 0.7rem;
    }

    .markets-list {
        display: flex;
        flex-wrap: wrap;
        justify-content: flex-start;
    }

    .hero-visual-card-small {
        justify-self: stretch;
        max-width: none;
    }
}

@media (max-width: 980px) {
    .admin-shell {
        grid-template-columns: minmax(0, 1fr);
    }

    .admin-sidebar {
        position: fixed;
        left: 0;
        top: 0;
        width: min(290px, 84vw);
        transform: translateX(-100%);
        z-index: 50;
        transition: transform 220ms ease;
        box-shadow: 0 28px 56px rgba(8, 19, 33, 0.34);
    }

    .admin-menu-toggle {
        display: inline-flex;
    }

    .admin-sidebar-open .admin-sidebar {
        transform: translateX(0);
    }

    .admin-sidebar-overlay {
        display: block;
        position: fixed;
        inset: 0;
        background: rgba(7, 16, 29, 0.42);
        opacity: 0;
        pointer-events: none;
        transition: opacity 180ms ease;
        z-index: 45;
    }

    .admin-sidebar-open .admin-sidebar-overlay {
        opacity: 1;
        pointer-events: auto;
    }

    .admin-topbar,
    .admin-content,
    .admin-footer {
        padding-left: 1rem;
        padding-right: 1rem;
    }

    .admin-topbar-meta {
        gap: 0.5rem;
        font-size: 0.9rem;
    }

    .admin-footer {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 680px) {
    .container {
        width: min(1180px, 94vw);
    }

    .nav .container {
        align-items: flex-start;
        flex-direction: column;
    }

    .nav-links {
        justify-content: flex-start;
    }

    .site-header-utilities,
    .site-utility-links,
    .site-lang-switcher,
    .site-primary-nav,
    .site-menu-group,
    .hero-actions {
        width: 100%;
    }

    .site-primary-nav a,
    .site-menu-group a,
    .site-utility-links a {
        padding-inline: 0;
    }

    .site-menu-group span {
        width: 100%;
        margin-bottom: 0.2rem;
    }
}

/* Final public header layout overrides */
.public-site .site-topbar {
    background: #0f2540;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.public-site .site-topbar-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 0.75rem;
    padding: 0.45rem 0;
}

.public-site .site-topbar-controls {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
}

.public-site .site-topbar-auth {
    display: inline-flex;
    align-items: center;
    gap: 0.9rem;
}

.public-site .site-topbar-auth a {
    color: #e4edf6;
    text-decoration: none;
    font-size: 0.83rem;
}

.public-site .site-topbar-auth a:hover {
    color: #ffffff;
}

.public-site .site-topbar-email {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
}

.public-site .site-topbar-icon {
    width: 18px;
    height: 18px;
    color: #d4e4f4;
    display: inline-flex;
}

.public-site .site-topbar-icon svg {
    width: 100%;
    height: 100%;
    fill: currentColor;
}

.public-site .site-topbar-email a {
    color: #e4edf6;
    text-decoration: none;
    font-size: 0.83rem;
}

.public-site .site-topbar-language {
    position: relative;
}

.lang-switcher {
    position: relative;
}

.lang-switcher-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0.28rem 0.6rem;
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.22);
    background: #17385b;
    color: #f2f6fb;
    font-size: 0.82rem;
    cursor: pointer;
    line-height: 1.3;
    white-space: nowrap;
    transition: border-color 0.15s, background 0.15s;
}

.lang-switcher-btn:hover {
    border-color: rgba(255, 255, 255, 0.45);
    background: #1e4a74;
}

.lang-flag {
    font-size: 1rem;
    line-height: 1;
}

.lang-code {
    font-weight: 600;
    letter-spacing: 0.03em;
}

.lang-chevron {
    width: 10px;
    height: 6px;
    flex-shrink: 0;
    transition: transform 0.2s ease;
}

.lang-switcher.is-open .lang-chevron {
    transform: rotate(180deg);
}

.lang-switcher-menu {
    display: none;
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    min-width: 160px;
    background: #ffffff;
    border: 1px solid #dce6ef;
    border-radius: 10px;
    box-shadow: 0 8px 24px rgba(15, 28, 45, 0.13);
    padding: 0.3rem 0;
    margin: 0;
    list-style: none;
    z-index: 900;
}

.lang-switcher.is-open .lang-switcher-menu {
    display: block;
}

.lang-option {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    padding: 0.42rem 0.85rem;
    font-size: 0.84rem;
    color: #1a3a55;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.12s;
}

.lang-option:hover {
    background: #f0f6fc;
    color: #0f2a44;
}

.lang-option.is-active {
    font-weight: 600;
    color: #0c5fa8;
    background: #eef5fc;
}

.public-main > section {
    animation: revealUp 520ms ease both;
}

.public-main > section:nth-of-type(2) { animation-delay: 80ms; }
.public-main > section:nth-of-type(3) { animation-delay: 120ms; }
.public-main > section:nth-of-type(4) { animation-delay: 160ms; }

.home-slider {
    position: relative;
    border-radius: 24px;
    border: 1px solid #dce6ef;
    background: #ffffff;
    box-shadow: 0 16px 36px rgba(15, 28, 45, 0.06);
    padding: 1.1rem;
    overflow: hidden;
}

.home-hero-slider {
    padding: 0;
    overflow: hidden;
    border-radius: 28px;
}

.home-main {
    padding-top: 0;
    row-gap: 1.5rem;
}

.home-main .home-hero-slider {
    width: 100vw;
    max-width: 100vw;
    margin-left: calc(50% - 50vw);
    margin-right: calc(50% - 50vw);
    border: 0;
    box-shadow: none;
    background: transparent;
    border-top-left-radius: 0;
    border-top-right-radius: 0;
    border-bottom-left-radius: 0;
    border-bottom-right-radius: 0;
}

.home-main .metrics-row {
    width: 100vw;
    max-width: 100vw;
    margin-left: calc(50% - 50vw);
    margin-right: calc(50% - 50vw);
    margin-top: 0;
    margin-bottom: 0;
    gap: 0.65rem;
    padding: 0.7rem max(4vw, calc((100vw - 1200px) / 2));
    background: transparent;
    border-top: 0;
    box-shadow: none;
}

.home-main .metric-card {
    position: relative;
    border-radius: 16px;
    border: 1px solid #e5e7eb;
    padding: 1.05rem 1.15rem;
    background: #ffffff;
    box-shadow: 0 4px 12px rgba(16, 38, 62, 0.05);
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
}

.home-main .metric-card:last-child {
    border-right: 1px solid #e5e7eb;
}

.home-main .metric-card:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 14px rgba(16, 38, 62, 0.07);
    background: #ffffff;
}

.home-main .metric-icon {
    background: #f7f8fa;
    color: #2d6f54;
    border: 1px solid #e5e7eb;
    box-shadow: none;
}

.home-main .metric-card strong {
    color: #10263e;
    letter-spacing: 0.01em;
}

.home-main .metric-card .metric-label {
    color: #42586d;
}

@media (max-width: 980px) {
    .home-main .metrics-row {
        width: auto;
        max-width: none;
        margin-left: 0;
        margin-right: 0;
        margin-top: 0;
        margin-bottom: 0;
        padding: 0;
        gap: 0.85rem;
        background: transparent;
        border-top: 0;
        box-shadow: none;
    }

    .home-main .metric-card {
        border-radius: 16px;
        border-top: 1px solid #e5e7eb;
        border-right: 1px solid #e5e7eb;
        border-bottom: 1px solid #e5e7eb;
        border-left: 1px solid #e5e7eb;
        padding: 0.95rem 1rem;
        background: #ffffff;
        box-shadow: 0 5px 14px rgba(16, 31, 48, 0.06);
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    .home-main .metric-icon {
        background: #f7f8fa;
        color: #2d6f54;
        border: 1px solid #e5e7eb;
    }

    .home-main .metric-card strong {
        color: #10263e;
    }

    .home-main .metric-card .metric-label {
        color: #587087;
    }

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

    .loan-calc-controls,
    .loan-calc-results {
        grid-template-columns: 1fr;
    }

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

.home-slide {
    display: none;
    grid-template-columns: 1fr;
    align-items: end;
    min-height: 490px;
    padding: 2.1rem 0 4.2rem;
    background-size: cover;
    background-position: center;
    position: relative;
}

.home-slide::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(95deg, rgba(9, 28, 47, 0.78) 8%, rgba(10, 31, 53, 0.52) 45%, rgba(12, 33, 56, 0.25) 100%);
}

.home-slide-content {
    position: relative;
    z-index: 1;
    max-width: 560px;
    margin-left: max(4vw, calc((100vw - 1200px) / 2));
    margin-right: 1rem;
}

.home-slide.is-active {
    display: grid;
    animation: fadeSlide 380ms ease;
}

.home-slide-content h1,
.home-slide-content h2 {
    margin: 0;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    line-height: 1.08;
    text-wrap: balance;
}

.home-slide-content h1 {
    font-size: clamp(2rem, 4.1vw, 3.25rem);
    max-width: 16ch;
}

.home-slide-content h2 {
    font-size: clamp(1.55rem, 2.9vw, 2.2rem);
    max-width: 22ch;
}

.home-slide h2 {
    margin: 0;
    font-family: "Manrope", sans-serif;
    color: #ffffff;
}

.home-slide p {
    color: #e2eef9;
    line-height: 1.65;
}

.home-slide .section-kicker {
    color: #c8dcf2;
}

.home-slide .btn {
    background: #0fa67f;
}

.home-slide .btn:hover {
    background: #0a7a5e;
}

.home-slide .btn-ghost {
    background: rgba(255, 255, 255, 0.14);
    border-color: rgba(255, 255, 255, 0.34);
    color: #ffffff;
}

.home-slide .btn-ghost:hover {
    background: rgba(255, 255, 255, 0.22);
}

.slider-controls {
    position: absolute;
    left: 50%;
    bottom: 1.05rem;
    transform: translateX(-50%);
    z-index: 3;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 0.6rem;
    margin: 0;
    padding: 0.45rem 0.55rem;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.24);
    background: rgba(9, 24, 41, 0.34);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.slider-btn {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.34);
    background: rgba(255, 255, 255, 0.2);
    color: #ffffff;
    font-size: 1rem;
    padding: 0;
}

.slider-btn:hover {
    background: rgba(255, 255, 255, 0.32);
}

.slider-dots {
    display: flex;
    gap: 0.35rem;
}

.slider-dots button {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    border: 0;
    background: rgba(255, 255, 255, 0.48);
    padding: 0;
}

.slider-dots button.is-active {
    background: #ffffff;
}

.loan-family-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.9rem;
}

.loan-family-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    padding: 1.05rem;
    border-radius: 18px;
    border: 1px solid #d6e2ee;
    background: linear-gradient(180deg, #ffffff 0%, #f4f8fc 100%);
    box-shadow: 0 12px 26px rgba(15, 28, 45, 0.07);
    min-height: 100%;
}

.loan-family-card h3 {
    margin: 0;
    color: #10263e;
    font-size: 1.02rem;
    font-family: "Manrope", sans-serif;
}

.loan-family-card p {
    color: #50697f;
    line-height: 1.62;
    text-transform: capitalize;
}

.loan-family-btn {
    margin-top: auto;
    padding: 0.72rem 1rem;
    border-radius: 10px;
    background: #16395b;
    color: #ffffff;
}

.loan-family-btn:hover {
    background: #0f2844;
}

.loan-family-card .card-icon {
    width: 38px;
    height: 38px;
    border-radius: 12px;
    background: linear-gradient(140deg, #e7f2fb 0%, #d5e8fa 100%);
    color: #174772;
}

.card-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    border-radius: 10px;
    background: #eaf3fb;
    color: #173d62;
    font-size: 1rem;
    margin-bottom: 0.45rem;
}

.card-icon i {
    line-height: 1;
}

.card-image {
    width: 100%;
    border-radius: 12px;
    border: 1px solid #dfe8f1;
    background: #f4f8fc;
    margin-bottom: 0.7rem;
}

.feature-card-instrument .card-image {
    aspect-ratio: 16 / 10;
    object-fit: cover;
}

.public-site .site-header-main {
    background: rgba(255, 255, 255, 0.88);
    border-bottom: 1px solid rgba(17, 32, 51, 0.08);
}

.public-site .site-header-row {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 1rem;
    padding: 0.8rem 0;
}

.public-site .site-menu-toggle {
    display: none;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    border: 1px solid #d3deea;
    background: #ffffff;
    padding: 0;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    gap: 4px;
}

.public-site .site-menu-toggle span {
    display: block;
    width: 18px;
    height: 2px;
    border-radius: 2px;
    background: #193a5b;
    transition: transform 180ms ease, opacity 180ms ease;
}

.public-site .site-mobile-menu-shell {
    display: contents;
}

.public-site .site-primary-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 0.35rem;
}

.public-site .site-primary-nav > a,
.public-site .nav-dropdown-trigger {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.5rem 0.72rem;
    border-radius: 999px;
    color: #183553;
    font-size: 0.93rem;
    font-weight: 600;
    text-decoration: none;
}

.public-site .site-primary-nav > a.is-active,
.public-site .site-primary-nav > a:hover,
.public-site .nav-dropdown-trigger.is-active,
.public-site .nav-dropdown:hover .nav-dropdown-trigger,
.public-site .nav-dropdown:focus-within .nav-dropdown-trigger {
    background: #10263e;
    color: #ffffff;
}

.public-site .nav-dropdown {
    position: relative;
}

.public-site .nav-dropdown::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    height: 10px;
}

.public-site .nav-dropdown-head {
    display: contents;
}

.public-site .nav-submenu-toggle {
    display: none;
}

.public-site .nav-dropdown-menu {
    position: absolute;
    top: calc(100% + 0.1rem);
    left: 0;
    min-width: 220px;
    display: grid;
    gap: 0.1rem;
    padding: 0.5rem;
    border-radius: 14px;
    border: 1px solid #d8e2ec;
    background: #ffffff;
    box-shadow: 0 18px 34px rgba(11, 24, 40, 0.14);
    opacity: 0;
    pointer-events: none;
    transform: translateY(4px);
    transition: opacity 150ms ease, transform 150ms ease;
    z-index: 70;
}

.public-site .nav-dropdown:hover .nav-dropdown-menu,
.public-site .nav-dropdown:focus-within .nav-dropdown-menu {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

.public-site .nav-dropdown-menu a {
    display: block;
    padding: 0.48rem 0.6rem;
    border-radius: 10px;
    color: #28445f;
    font-size: 0.9rem;
    text-decoration: none;
}

.public-site .nav-dropdown-menu a:hover {
    background: #eef4f9;
    color: #10263e;
}

.public-site .site-header-utilities {
    display: flex;
    justify-content: flex-end;
    align-items: center;
    gap: 0.8rem;
}

.public-site .site-utility-links {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.8rem;
}

.public-site .site-utility-links a {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: #344e66;
    font-size: 0.9rem;
    text-decoration: none;
}

.public-site .site-utility-links a:not(.btn):hover {
    color: #0f2540;
}

.public-site .site-apply-btn,
.public-site .site-apply-btn:visited,
.public-site .site-apply-btn:hover,
.public-site .site-apply-btn:focus {
    color: #ffffff !important;
}

.public-site .site-menu-strip,
.public-site .site-nav-shell,
.public-site .site-nav-row,
.public-site .site-lang-switcher,
.public-site .site-menu-strip-row,
.public-site .site-menu-group {
    display: none;
}

@media (max-width: 1024px) {
    .public-site .site-header-row {
        grid-template-columns: 1fr auto;
        grid-template-areas:
            "brand actions"
            "nav nav";
        row-gap: 0.55rem;
    }

    .public-site .site-brand {
        grid-area: brand;
    }

    .public-site .site-header-utilities {
        grid-area: actions;
        justify-self: end;
    }

    .public-site .site-primary-nav {
        grid-area: nav;
        justify-content: flex-start;
        flex-wrap: nowrap;
        overflow-x: auto;
        scrollbar-width: thin;
        padding-bottom: 0.2rem;
        gap: 0.5rem;
    }

    .public-site .site-primary-nav > a,
    .public-site .nav-dropdown-trigger {
        white-space: nowrap;
        flex: 0 0 auto;
    }

    .public-site .nav-dropdown-menu {
        min-width: 190px;
    }

    .home-slide,
    .home-slide.is-active {
        grid-template-columns: 1fr;
    }

    .home-slide {
        min-height: 420px;
        padding: 1.35rem;
    }
}

@media (max-width: 680px) {
    .public-site .site-topbar-row {
        flex-direction: column;
        align-items: flex-start;
    }

    .public-site .site-topbar-controls {
        width: 100%;
        justify-content: space-between;
    }

    .public-site .site-topbar-email a {
        font-size: 0.78rem;
    }

    .public-site .site-header-row {
        grid-template-columns: 1fr auto;
        grid-template-areas: "brand toggle";
        align-items: center;
        row-gap: 0;
        position: relative;
    }

    .public-site .site-menu-toggle {
        display: inline-flex;
        grid-area: toggle;
        justify-self: end;
    }

    .public-site .site-mobile-menu-shell {
        display: none;
        position: absolute;
        top: calc(100% + 0.5rem);
        left: 0;
        right: 0;
        z-index: 85;
        padding: 0.8rem;
        border-radius: 14px;
        border: 1px solid #dbe4ee;
        background: #ffffff;
        box-shadow: 0 14px 28px rgba(12, 26, 42, 0.1);
    }

    .public-site .site-header.is-menu-open .site-mobile-menu-shell {
        display: block;
    }

    .public-site .site-header.is-menu-open .site-menu-toggle span:nth-child(1) {
        transform: translateY(6px) rotate(45deg);
    }

    .public-site .site-header.is-menu-open .site-menu-toggle span:nth-child(2) {
        opacity: 0;
    }

    .public-site .site-header.is-menu-open .site-menu-toggle span:nth-child(3) {
        transform: translateY(-6px) rotate(-45deg);
    }

    .public-site .site-primary-nav {
        width: 100%;
        flex-direction: column;
        align-items: stretch;
        justify-content: flex-start;
        gap: 0.25rem;
    }

    .public-site .site-primary-nav > a,
    .public-site .nav-dropdown-trigger {
        width: 100%;
        justify-content: flex-start;
        border-radius: 10px;
        padding: 0.55rem 0.65rem;
    }

    .public-site .nav-dropdown-head {
        display: flex;
        align-items: center;
        gap: 0.3rem;
    }

    .public-site .nav-dropdown-head .nav-dropdown-trigger {
        flex: 1;
    }

    .public-site .nav-submenu-toggle {
        display: inline-flex;
        width: 34px;
        height: 34px;
        flex: 0 0 34px;
        border-radius: 9px;
        border: 1px solid #d3dfeb;
        background: #f5f9fd;
        color: #28445f;
        align-items: center;
        justify-content: center;
        padding: 0;
    }

    .public-site .nav-submenu-toggle i {
        font-size: 0.82rem;
        transition: transform 160ms ease;
    }

    .public-site .nav-dropdown.is-open .nav-submenu-toggle i {
        transform: rotate(180deg);
    }

    .public-site .nav-dropdown-menu {
        position: static;
        display: none;
        opacity: 1;
        pointer-events: auto;
        transform: none;
        box-shadow: none;
        margin: 0.22rem 0 0.42rem;
        padding: 0.45rem;
        border-radius: 10px;
        background: #f7fafd;
        border: 1px solid #dde6ef;
    }

    .public-site .nav-dropdown.is-open .nav-dropdown-menu {
        display: grid;
    }

    .public-site .site-header-utilities {
        width: 100%;
        margin-top: 0.35rem;
        padding-top: 0.55rem;
        border-top: 1px solid #e3ebf3;
    }

    .public-site .site-utility-links {
        display: flex;
        flex-direction: column;
        align-items: stretch;
        width: 100%;
        gap: 0.45rem;
    }

    .public-site .site-utility-links .btn {
        width: 100%;
        justify-content: center;
        padding: 0.72rem 1rem;
    }

    .public-site .site-brand-copy small {
        display: none;
    }

    .public-site .site-apply-btn {
        display: inline-flex;
        align-items: center;
    }

    .public-site .nav-dropdown.is-open .nav-dropdown-menu {
        display: grid;
    }

    .home-slide {
        min-height: 360px;
        padding: 1rem 0 4rem;
    }

    .home-slide-content {
        margin-left: 1rem;
        margin-right: 1rem;
    }

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

    .home-slide-content h1 {
        font-size: clamp(1.55rem, 7.2vw, 2.15rem);
    }

    .home-slide-content h2 {
        font-size: clamp(1.25rem, 5.2vw, 1.7rem);
    }

    .home-slide p {
        font-size: 0.93rem;
    }

    .home-slide .btn,
    .home-slide .btn-ghost {
        padding: 0.7rem 0.95rem;
        font-size: 0.9rem;
    }

    .slider-controls {
        bottom: 0.8rem;
        padding: 0.4rem 0.5rem;
    }

    .loan-family-card {
        padding: 0.9rem;
    }

    .loan-family-card h3 {
        font-size: 0.98rem;
    }

    .loan-family-card p {
        font-size: 0.9rem;
        line-height: 1.55;
    }
}

@keyframes fadeSlide {
    from {
        opacity: 0;
        transform: translateX(8px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes revealUp {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes introGlow {
    0%,
    100% {
        transform: translate3d(0, 0, 0) scale(1);
        opacity: 0.8;
    }
    50% {
        transform: translate3d(-8px, 8px, 0) scale(1.08);
        opacity: 1;
    }
}

@keyframes riseIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ── Homepage: Side-by-side Testimonials + FAQ row ─────────────── */
.home-split-social {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    align-items: stretch;
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
}

/* ── Testimonials Panel ─────────────────────────────────────────── */
.testi-panel {
    background: linear-gradient(155deg, var(--footer-bg, #0D1D30) 0%, color-mix(in srgb, var(--footer-bg, #0D1D30) 78%, #000) 100%);
    border-radius: 22px;
    padding: 2.25rem 2.25rem 1.75rem;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.07);
    box-shadow: 0 20px 48px rgba(0, 0, 0, 0.18);
}

.testi-panel::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: radial-gradient(circle, color-mix(in srgb, var(--accent, #f2c94c) 18%, transparent) 0%, transparent 70%);
    pointer-events: none;
}

.testi-panel-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
}

.testi-panel-header .section-kicker {
    color: var(--accent, #f2c94c);
    margin: 0;
}

.testi-panel-header h2 {
    color: #ffffff;
    font-size: 1.15rem;
    margin: 0.25rem 0 0;
}

.testi-panel-alllink {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.55);
    text-decoration: none;
    white-space: nowrap;
    transition: color 0.2s;
    flex-shrink: 0;
}

.testi-panel-alllink:hover {
    color: var(--accent, #f2c94c);
}

.testi-carousel {
    position: relative;
    overflow: hidden;
    border-radius: 14px;
    flex: 1;
}

.testi-track {
    display: flex;
    transition: transform 0.45s cubic-bezier(0.4, 0, 0.2, 1);
    will-change: transform;
}

.testi-card {
    min-width: 100%;
    padding: 1.85rem 2rem;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 14px;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    box-sizing: border-box;
    backdrop-filter: blur(4px);
}

.testi-big-quote {
    font-size: 4.5rem;
    line-height: 0.7;
    color: var(--accent, #f2c94c);
    opacity: 0.55;
    font-family: Georgia, 'Times New Roman', serif;
    user-select: none;
    display: block;
    margin-bottom: 0.25rem;
}

.testi-quote {
    font-size: 1rem;
    line-height: 1.8;
    font-style: italic;
    color: rgba(255, 255, 255, 0.88);
    flex: 1;
}

.testi-stars {
    display: flex;
    gap: 0.22rem;
    color: var(--accent, #f2c94c);
    font-size: 0.85rem;
}

.testi-star-empty {
    color: rgba(255, 255, 255, 0.2);
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 0.9rem;
    padding-top: 0.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.testi-avatar {
    width: 3rem;
    height: 3rem;
    border-radius: 50%;
    overflow: hidden;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2.5px solid var(--accent, #f2c94c);
    background: color-mix(in srgb, var(--accent, #f2c94c) 25%, #0D1D30);
}

.testi-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.testi-avatar span {
    color: #fff;
    font-weight: 800;
    font-size: 1rem;
    line-height: 1;
}

.testi-author-copy strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 700;
    color: #ffffff;
}

.testi-author-copy span {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.5);
}

.testi-controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.85rem;
    margin-top: 0.25rem;
}

.testi-btn {
    width: 2.15rem;
    height: 2.15rem;
    border-radius: 50%;
    border: 1.5px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.07);
    color: rgba(255, 255, 255, 0.7);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    transition: background 0.2s, border-color 0.2s, color 0.2s;
    line-height: 1;
}

.testi-btn:hover {
    background: var(--accent, #f2c94c);
    border-color: var(--accent, #f2c94c);
    color: #0D1D30;
}

.testi-dots {
    display: flex;
    gap: 0.45rem;
    align-items: center;
}

.testi-dots button {
    width: 0.45rem;
    height: 0.45rem;
    border-radius: 50%;
    border: none;
    background: rgba(255, 255, 255, 0.25);
    cursor: pointer;
    padding: 0;
    transition: background 0.2s, transform 0.2s;
}

.testi-dots button.is-active {
    background: var(--accent, #f2c94c);
    transform: scale(1.5);
}

/* ── FAQ Panel ──────────────────────────────────────────────────── */
.faq-panel {
    background: #ffffff;
    border-radius: 22px;
    padding: 2.25rem 2.25rem 1.75rem;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    border: 1px solid #e2eaf3;
    box-shadow: 0 16px 40px rgba(15, 32, 56, 0.08);
}

.faq-panel-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 1rem;
}

.faq-panel-header .section-kicker {
    color: var(--primary, #0fa67f);
    margin: 0;
}

.faq-panel-header h2 {
    color: #10263e;
    font-size: 1.15rem;
    margin: 0.25rem 0 0;
}

.faq-panel-alllink {
    font-size: 0.8rem;
    color: var(--primary, #0fa67f);
    text-decoration: none;
    white-space: nowrap;
    font-weight: 600;
    transition: color 0.2s;
    flex-shrink: 0;
    margin-top: 0.15rem;
}

.faq-panel-alllink:hover {
    color: var(--primary-strong, #077b5d);
}

.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    flex: 1;
}

.faq-item {
    border: 1.5px solid #dde8f2;
    border-radius: 12px;
    overflow: hidden;
    transition: border-color 0.2s, box-shadow 0.2s;
    background: #ffffff;
}

.faq-item:hover {
    border-color: color-mix(in srgb, var(--primary, #0fa67f) 45%, #dde8f2);
}

.faq-item.is-open {
    border-color: var(--primary, #0fa67f);
    box-shadow: 0 4px 14px color-mix(in srgb, var(--primary, #0fa67f) 14%, transparent);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.95rem 1.2rem;
    background: transparent;
    border: none;
    cursor: pointer;
    font-size: 0.9rem;
    font-weight: 600;
    color: #10263e;
    text-align: left;
    gap: 1rem;
    transition: background 0.2s, color 0.2s;
    line-height: 1.4;
    font-family: "Manrope", sans-serif;
}

.faq-item.is-open .faq-question {
    background: var(--primary, #0fa67f);
    color: #ffffff;
}

.faq-chevron {
    flex-shrink: 0;
    transition: transform 0.25s;
    font-size: 0.72rem;
    color: var(--primary, #0fa67f);
    opacity: 0.7;
}

.faq-item.is-open .faq-chevron {
    transform: rotate(180deg);
    color: rgba(255, 255, 255, 0.85);
    opacity: 1;
}

.faq-answer {
    padding: 0.9rem 1.2rem;
    background: color-mix(in srgb, var(--primary, #0fa67f) 4%, #ffffff);
    border-top: 1px solid #e8f4ef;
}

.faq-answer p {
    margin: 0;
    color: #3b5268;
    line-height: 1.72;
    font-size: 0.875rem;
}

/* ── Testimonials public page grid ─────────────────────────────── */
.testi-section { position: relative; }

.testi-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1.4rem;
}

.testi-grid-card {
    background: #ffffff;
    border: 1.5px solid #dde8f2;
    border-radius: 18px;
    padding: 1.85rem;
    display: flex;
    flex-direction: column;
    gap: 0.9rem;
    transition: box-shadow 0.22s, transform 0.22s;
}

.testi-grid-card:hover {
    box-shadow: 0 8px 28px rgba(15, 32, 56, 0.1);
    transform: translateY(-2px);
}

.testi-grid-card.is-featured {
    border-color: var(--primary, #0fa67f);
    background: linear-gradient(180deg, #ffffff 0%, color-mix(in srgb, var(--primary, #0fa67f) 4%, #ffffff) 100%);
}

.testi-featured-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--primary, #0fa67f);
    background: color-mix(in srgb, var(--primary, #0fa67f) 10%, transparent);
    padding: 0.2rem 0.6rem;
    border-radius: 20px;
    width: fit-content;
}

.testi-grid-card .testi-quote {
    font-size: 0.95rem;
    line-height: 1.72;
    flex: 1;
    color: #3b5268;
    font-style: italic;
}

.testi-grid-card .testi-big-quote {
    color: var(--primary, #0fa67f);
    opacity: 0.25;
    font-size: 3.5rem;
    line-height: 0.8;
    margin-bottom: 0;
}

.testi-grid-card .testi-avatar {
    border-color: #dde8f2;
    background: color-mix(in srgb, var(--primary, #0fa67f) 12%, #fff);
}

.testi-grid-card .testi-avatar span { color: var(--primary, #0fa67f); }

.testi-grid-card .testi-stars {
    color: #f59e0b;
}

.testi-grid-card .testi-star-empty { color: #dde8f2; }

.testi-grid-card .testi-author {
    border-top: 1px solid #edf2f8;
}

.testi-grid-card .testi-author-copy strong { color: #10263e; }

.testi-grid-card .testi-author-copy span { color: #6b84a0; }

/* ── FAQ public page ────────────────────────────────────────────── */
.faq-page-accordion {
    max-width: 860px;
}

.faq-section-label {
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--primary, #0fa67f);
    margin: 2rem 0 0.65rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid #dde8f2;
}

/* ── Responsive ─────────────────────────────────────────────────── */
@media (max-width: 860px) {
    .home-split-social {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 680px) {
    .testi-panel,
    .faq-panel { padding: 1.5rem 1.35rem 1.25rem; }
    .testi-card { padding: 1.4rem 1.35rem; }
    .testi-quote { font-size: 0.93rem; }
    .testi-grid { grid-template-columns: 1fr; }
    .faq-question { font-size: 0.88rem; padding: 0.85rem 1rem; }
    .faq-answer { padding: 0.85rem 1rem; }
}