/* =========================================================
   和融信贷 HARMONI CREDIT — 前台设计系统
   Editorial finance: deep navy / muted gold / warm paper
   ========================================================= */

:root {
  --ink: #0a1f33;
  --ink-800: #102a43;
  --ink-700: #1b3c5c;
  --gold: #c19a56;
  --gold-600: #a9823f;
  --gold-300: #e3c98f;
  --gold-100: #f3e8d2;
  --cream: #f7f3ea;
  --cream-deep: #f1ebdd;
  --paper: #fffdf8;
  --white: #ffffff;
  --text: #1d2b38;
  --muted: #6f6a5f;
  --muted-2: #8b857a;
  --line: #e4dccb;
  --line-strong: #d5cab4;
  --green: #2f7d63;
  --green-soft: #e6f2ec;
  --red: #b4473a;
  --amber: #b07d2b;
  --shadow-sm: 0 1px 2px rgba(10, 31, 51, 0.05), 0 10px 30px -22px rgba(10, 31, 51, 0.35);
  --shadow-md: 0 2px 4px rgba(10, 31, 51, 0.04), 0 24px 48px -32px rgba(10, 31, 51, 0.4);
  --shadow-lg: 0 40px 80px -40px rgba(10, 31, 51, 0.55);
  --radius: 18px;
  --radius-sm: 12px;
  --max: 1200px;
  --header-h: 74px;
  --font: "PingFang SC", "Microsoft YaHei", "Noto Sans SC", "Segoe UI", system-ui, -apple-system,
    sans-serif;
  --serif: Georgia, "Times New Roman", "Songti SC", "STSong", serif;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--cream);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

h1,
h2,
h3,
h4,
h5,
p,
ul,
ol,
figure,
blockquote {
  margin: 0;
}

ul,
ol {
  padding: 0;
  list-style: none;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  border: 0;
  background: none;
}

img,
svg {
  display: block;
  max-width: 100%;
}

::selection {
  background: var(--gold-300);
  color: var(--ink);
}

:focus-visible {
  outline: 2px solid var(--gold-600);
  outline-offset: 3px;
}

.container {
  width: min(var(--max), calc(100% - 48px));
  margin-inline: auto;
}

.icon {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex: none;
}

.serif {
  font-family: var(--serif);
}

html[lang="en"] body,
html[lang="ms"] body,
html[lang="en"] .input,
html[lang="ms"] .input,
html[lang="en"] .select,
html[lang="ms"] .select,
html[lang="en"] .textarea,
html[lang="ms"] .textarea,
html[lang="en"] .btn,
html[lang="ms"] .btn {
  font-family: "Segoe UI", "Helvetica Neue", Arial, "Microsoft YaHei", sans-serif;
}

html[lang="en"] .hero-copy h1,
html[lang="ms"] .hero-copy h1 {
  letter-spacing: -0.045em;
  font-size: clamp(34px, 3.1vw, 44px);
  line-height: 1.18;
}

html[lang="en"] .proof-item strong small,
html[lang="ms"] .proof-item strong small {
  margin-left: 4px;
}

html[lang="en"] .service-card p,
html[lang="ms"] .service-card p {
  -webkit-line-clamp: 4;
}

html[lang="en"] .hero-copy h1 .gold,
html[lang="ms"] .hero-copy h1 .gold {
  white-space: normal;
}

.num {
  font-family: var(--serif);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}

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

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  height: 50px;
  padding: 0 24px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  transition: transform 0.25s var(--ease), background 0.25s, color 0.25s, border-color 0.25s,
    box-shadow 0.25s;
  white-space: nowrap;
}

.btn .icon {
  width: 18px;
  height: 18px;
  transition: transform 0.25s var(--ease);
}

.btn:hover .arrow {
  transform: translateX(3px);
}

.btn-gold {
  background: var(--gold);
  color: #102236;
  box-shadow: 0 12px 26px -16px rgba(193, 154, 86, 0.9);
}

.btn-gold:hover {
  background: #d2ab66;
  transform: translateY(-1px);
}

.btn-navy {
  background: var(--ink);
  color: #fff;
}

.btn-navy:hover {
  background: var(--ink-700);
  transform: translateY(-1px);
}

.btn-ghost {
  border-color: rgba(10, 31, 51, 0.22);
  color: var(--ink);
  background: transparent;
}

.btn-ghost:hover {
  border-color: var(--ink);
  background: rgba(10, 31, 51, 0.04);
}

.btn-light {
  background: #fff;
  color: var(--ink);
  border-color: var(--line);
}

.btn-light:hover {
  border-color: var(--gold);
}

.btn-sm {
  height: 42px;
  padding: 0 18px;
  font-size: 14px;
}

.btn-block {
  width: 100%;
}

.btn[disabled] {
  opacity: 0.55;
  cursor: not-allowed;
  transform: none;
}

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s, gap 0.2s;
}

.link-arrow:hover {
  border-color: var(--gold);
  gap: 11px;
}

/* ---------- Announcement / utility ---------- */
.announce {
  background: var(--ink);
  color: #f4ead7;
  font-size: 13px;
}

.announce.hidden {
  display: none;
}

.announce-inner {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 38px;
  padding-block: 6px;
}

.announce p {
  flex: 1;
  line-height: 1.5;
}

.announce strong {
  color: var(--gold-300);
  font-weight: 600;
}

.announce-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-300);
  box-shadow: 0 0 0 4px rgba(227, 201, 143, 0.16);
  flex: none;
}

.announce-close {
  color: #cbbfa8;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  flex: none;
}

.announce-close:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
}

.utility {
  background: #071828;
  color: #a9b6c4;
  font-size: 12.5px;
  letter-spacing: 0.02em;
}

.utility-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 38px;
}

.utility-left,
.utility-right {
  display: flex;
  align-items: center;
  gap: 14px;
}

.utility a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s;
}

.utility a:hover {
  color: var(--gold-300);
}

.utility .icon {
  width: 14px;
  height: 14px;
  color: var(--gold);
}

.u-divider {
  width: 1px;
  height: 12px;
  background: rgba(255, 255, 255, 0.16);
}

.lang {
  display: inline-flex;
  gap: 2px;
  padding: 2px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.07);
}

.lang button {
  padding: 2px 9px;
  border-radius: 999px;
  font-size: 11px;
  color: #b9c4cf;
  letter-spacing: 0.04em;
}

.lang button.active {
  background: var(--gold);
  color: var(--ink);
  font-weight: 600;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(250, 247, 240, 0.9);
  backdrop-filter: blur(18px) saturate(1.3);
  border-bottom: 1px solid rgba(228, 220, 203, 0.7);
  transition: box-shadow 0.3s, background 0.3s;
}

.site-header.scrolled {
  background: rgba(255, 253, 248, 0.96);
  box-shadow: 0 12px 30px -24px rgba(10, 31, 51, 0.5);
}

.header-inner {
  height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  flex: none;
}

.brand-mark {
  width: 40px;
  height: 40px;
  border-radius: 11px;
  background: var(--ink);
  display: grid;
  place-items: center;
  box-shadow: inset 0 0 0 1px rgba(193, 154, 86, 0.35);
}

.brand-mark svg {
  width: 26px;
  height: 26px;
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-text strong {
  font-size: 17px;
  letter-spacing: 0.06em;
  color: var(--ink);
  font-weight: 700;
}

.brand-text small {
  font-size: 8.5px;
  letter-spacing: 0.28em;
  color: var(--gold-600);
  font-weight: 600;
  margin-top: 3px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-cta {
  display: none;
}

.dot-live {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #4fae8a;
  box-shadow: 0 0 0 4px rgba(79, 174, 138, 0.14);
  flex: none;
}

section[id],
div[id="process"],
div[id="about"],
div[id="faq"],
div[id="stories"] {
  scroll-margin-top: 96px;
}

body.modal-open {
  overflow: hidden;
}

.nav a {
  position: relative;
  padding: 10px 14px;
  font-size: 14.5px;
  color: #3c4652;
  border-radius: 8px;
  transition: color 0.2s;
  white-space: nowrap;
}

.nav a::after {
  content: "";
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 4px;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s var(--ease);
}

.nav a:hover,
.nav a.active {
  color: var(--ink);
}

.nav a:hover::after,
.nav a.active::after {
  transform: scaleX(1);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: none;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
}

.header-phone .icon {
  width: 16px;
  height: 16px;
  color: var(--gold-600);
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  border: 1px solid var(--line);
  position: relative;
}

.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  position: absolute;
  left: 50%;
  top: 50%;
  width: 18px;
  height: 1.5px;
  background: var(--ink);
  transition: transform 0.3s var(--ease), opacity 0.2s;
}

.nav-toggle span {
  transform: translate(-50%, -50%);
}

.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  left: 0;
  top: 0;
}

.nav-toggle span::before {
  transform: translateY(-6px);
}

.nav-toggle span::after {
  transform: translateY(6px);
}

.nav-toggle[aria-expanded="true"] span {
  background: transparent;
}

.nav-toggle[aria-expanded="true"] span::before {
  transform: rotate(45deg);
}

.nav-toggle[aria-expanded="true"] span::after {
  transform: rotate(-45deg);
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(180deg, #faf7f0 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(10, 31, 51, 0.042) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10, 31, 51, 0.042) 1px, transparent 1px);
  background-size: 72px 72px;
  -webkit-mask-image: linear-gradient(180deg, #000 0%, rgba(0, 0, 0, 0.35) 62%, transparent 92%);
  mask-image: linear-gradient(180deg, #000 0%, rgba(0, 0, 0, 0.35) 62%, transparent 92%);
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  width: 680px;
  height: 680px;
  right: -230px;
  top: -300px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.32);
  box-shadow: 0 0 0 70px rgba(193, 154, 86, 0.05), 0 0 0 150px rgba(193, 154, 86, 0.035),
    inset 0 0 120px rgba(193, 154, 86, 0.07);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.04fr 0.96fr;
  gap: 72px;
  align-items: center;
  padding: 72px 0 80px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.2em;
  color: var(--gold-600);
}

.eyebrow::before {
  content: "";
  width: 30px;
  height: 1px;
  background: var(--gold);
}

.eyebrow.on-dark {
  color: var(--gold-300);
}

.eyebrow.on-dark::before {
  background: var(--gold);
}

.hero-copy h1 {
  margin-top: 22px;
  font-size: clamp(40px, 4.5vw, 62px);
  line-height: 1.14;
  letter-spacing: -0.035em;
  color: var(--ink);
  font-weight: 700;
}

.hero-copy h1 .gold {
  color: var(--gold-600);
  position: relative;
  white-space: nowrap;
  isolation: isolate;
}

.hero-copy h1 .gold::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 4px;
  height: 8px;
  background: var(--gold-100);
  z-index: -1;
  border-radius: 2px;
}

.hero-lead {
  margin-top: 22px;
  max-width: 480px;
  font-size: 16.5px;
  line-height: 1.85;
  color: #56606b;
}

.hero-cta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.hero-proof {
  display: flex;
  align-items: center;
  gap: 26px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.proof-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.proof-item strong {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.2;
}

.proof-item strong small {
  font-size: 14px;
  color: var(--gold-600);
  margin-left: 1px;
}

.proof-item span {
  font-size: 12px;
  color: var(--muted);
  letter-spacing: 0.05em;
}

.proof-divider {
  width: 1px;
  height: 34px;
  background: var(--line-strong);
}

.proof-rating {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.stars {
  display: inline-flex;
  gap: 3px;
  color: var(--gold);
}

.stars svg {
  width: 13px;
  height: 13px;
  fill: currentColor;
  stroke: none;
}

.proof-rating span {
  font-size: 12px;
  color: var(--muted);
}

/* ---------- Lead card ---------- */
.lead-card {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.lead-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 22px;
  pointer-events: none;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.5);
}

.lead-head {
  background: var(--ink);
  color: #fff;
  padding: 22px 26px 20px;
  position: relative;
  overflow: hidden;
}

.lead-head::after {
  content: "";
  position: absolute;
  width: 180px;
  height: 180px;
  right: -60px;
  top: -100px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.4);
  box-shadow: 0 0 0 26px rgba(193, 154, 86, 0.06);
}

.lead-head .eyebrow {
  color: var(--gold-300);
  font-size: 10.5px;
  letter-spacing: 0.24em;
}

.lead-head .eyebrow::before {
  width: 18px;
}

.lead-head h3 {
  margin-top: 8px;
  font-size: 21px;
  letter-spacing: 0.01em;
  font-weight: 600;
}

.lead-head p {
  margin-top: 5px;
  font-size: 12.5px;
  color: #b9c6d3;
}

.lead-body {
  padding: 22px 26px 26px;
  display: grid;
  gap: 13px;
}

.field {
  display: grid;
  gap: 6px;
}

.field > label {
  font-size: 12px;
  color: var(--muted);
  letter-spacing: 0.04em;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}

.field > label em {
  font-style: normal;
  color: var(--muted-2);
  font-size: 11px;
}

.input,
.select,
.textarea {
  width: 100%;
  height: 48px;
  padding: 0 14px;
  border: 1px solid var(--line-strong);
  border-radius: 10px;
  background: #fff;
  font-size: 15px;
  color: var(--ink);
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
}

.textarea {
  height: auto;
  min-height: 96px;
  padding: 12px 14px;
  resize: vertical;
  line-height: 1.6;
}

.input::placeholder,
.textarea::placeholder {
  color: #aaa396;
}

.input:hover,
.select:hover,
.textarea:hover {
  border-color: #bfb49e;
}

.input:focus,
.select:focus,
.textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(193, 154, 86, 0.16);
}

.input.invalid,
.select.invalid,
.textarea.invalid {
  border-color: var(--red);
  background: #fffafa;
}

.input.invalid:focus,
.select.invalid:focus,
.textarea.invalid:focus {
  box-shadow: 0 0 0 3px rgba(180, 71, 58, 0.12);
}

.select {
  appearance: none;
  -webkit-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 d='M1 1.5 6 6.5l5-5' fill='none' stroke='%236f6a5f' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}

.input-group {
  position: relative;
  display: flex;
  align-items: center;
}

.input-group .prefix {
  position: absolute;
  left: 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  pointer-events: none;
}

.input-group .input {
  padding-left: 44px;
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 11.5px;
  line-height: 1.6;
  color: var(--muted);
  margin-top: 2px;
}

.consent input {
  appearance: none;
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  margin: 1px 0 0;
  border: 1px solid var(--line-strong);
  border-radius: 4px;
  background: #fff;
  flex: none;
  position: relative;
  cursor: pointer;
}

.consent input:checked {
  background: var(--ink);
  border-color: var(--ink);
}

.consent input:checked::after {
  content: "";
  position: absolute;
  left: 4.5px;
  top: 1.5px;
  width: 4px;
  height: 8px;
  border: solid var(--gold-300);
  border-width: 0 1.5px 1.5px 0;
  transform: rotate(45deg);
}

.consent a {
  color: var(--ink);
  text-decoration: underline;
  text-underline-offset: 2px;
  margin-left: 3px;
}

.lead-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 11px;
  color: var(--muted-2);
}

.lead-note .icon {
  width: 13px;
  height: 13px;
}

.form-error {
  font-size: 12px;
  color: var(--red);
  min-height: 0;
}

/* ---------- Partner strip ---------- */
.partners {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.partners-inner {
  display: flex;
  align-items: center;
  gap: 40px;
  padding: 24px 0;
}

.partners-label {
  flex: none;
  font-size: 11px;
  letter-spacing: 0.16em;
  color: var(--muted-2);
  line-height: 1.6;
  max-width: 130px;
  text-transform: uppercase;
}

.partners-list {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex: 1;
  flex-wrap: nowrap;
}

.partner-word {
  font-family: var(--serif);
  font-size: 15.5px;
  letter-spacing: 0.07em;
  color: #7f8892;
  opacity: 0.9;
  white-space: nowrap;
  transition: color 0.2s, opacity 0.2s;
}

.partner-word:hover {
  color: var(--ink);
  opacity: 1;
}

.partner-word span {
  color: var(--gold-600);
  font-size: 11px;
  letter-spacing: 0;
  vertical-align: super;
}

/* ---------- Sections ---------- */
.section {
  padding: 96px 0;
}

.section.tight {
  padding: 72px 0;
}

.section-head {
  display: grid;
  grid-template-columns: 1fr 0.72fr;
  gap: 48px;
  align-items: end;
  margin-bottom: 48px;
}

.section-head h2 {
  margin-top: 16px;
  font-size: clamp(30px, 3.1vw, 44px);
  line-height: 1.25;
  letter-spacing: -0.03em;
  color: var(--ink);
  font-weight: 700;
}

.section-head h2 em {
  font-style: normal;
  color: var(--gold-600);
}

.section-lead {
  font-size: 15px;
  line-height: 1.9;
  color: var(--muted);
  padding-bottom: 6px;
}

.section-lead strong {
  color: var(--ink);
  font-weight: 600;
}

.section-foot {
  display: flex;
  justify-content: center;
  margin-top: 40px;
}

/* ---------- Service cards ---------- */
.services {
  background: var(--cream);
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.service-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 28px;
  min-height: 280px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: transform 0.35s var(--ease), box-shadow 0.35s, border-color 0.35s;
  overflow: hidden;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-300);
}

.service-card .s-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}

.service-icon {
  width: 48px;
  height: 48px;
  border-radius: 13px;
  display: grid;
  place-items: center;
  background: var(--gold-100);
  color: var(--gold-600);
}

.service-icon .icon {
  width: 23px;
  height: 23px;
}

.service-badge {
  font-size: 10.5px;
  letter-spacing: 0.08em;
  padding: 4px 9px;
  border-radius: 999px;
  background: var(--gold-100);
  color: var(--gold-600);
  border: 1px solid rgba(193, 154, 86, 0.28);
  white-space: nowrap;
}

.service-card h3 {
  margin-top: 22px;
  font-size: 21px;
  letter-spacing: -0.01em;
  color: var(--ink);
  font-weight: 700;
}

.service-card h3 small {
  display: block;
  margin-top: 3px;
  font-family: var(--serif);
  font-size: 11px;
  letter-spacing: 0.12em;
  color: var(--muted-2);
  font-weight: 400;
  text-transform: uppercase;
}

.service-card p {
  margin-top: 10px;
  font-size: 13.5px;
  line-height: 1.8;
  color: var(--muted);
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.service-meta {
  display: flex;
  gap: 10px;
  margin-top: auto;
  padding-top: 22px;
  font-size: 12px;
  color: var(--muted);
}

.service-meta span {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 9px;
  border-radius: 6px;
  background: #f6f1e6;
}

.service-meta strong {
  color: var(--ink);
  font-family: var(--serif);
  font-size: 14px;
  font-weight: 500;
}

.service-card .card-link {
  position: absolute;
  inset: 0;
  border-radius: var(--radius);
}

.service-card .s-arrow {
  position: absolute;
  right: 26px;
  bottom: 26px;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: 1px solid var(--line-strong);
  display: grid;
  place-items: center;
  color: var(--ink);
  opacity: 0;
  transform: translateX(-5px);
  transition: opacity 0.3s, transform 0.3s;
}

.service-card:hover .s-arrow {
  opacity: 1;
  transform: none;
}

.service-card.feature {
  background: var(--ink);
  border-color: var(--ink);
  color: #fff;
}

.service-card.feature::after {
  content: "";
  position: absolute;
  width: 260px;
  height: 260px;
  right: -120px;
  bottom: -140px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.35);
  box-shadow: 0 0 0 34px rgba(193, 154, 86, 0.05);
}

.service-card.feature h3 {
  color: #fff;
}

.service-card.feature h3 small {
  color: #93a3b3;
}

.service-card.feature p {
  color: #b3c0cc;
}

.service-card.feature .service-icon {
  background: rgba(193, 154, 86, 0.16);
  color: var(--gold-300);
  border: 1px solid rgba(193, 154, 86, 0.3);
}

.service-card.feature .service-badge {
  background: rgba(193, 154, 86, 0.16);
  color: var(--gold-300);
  border-color: rgba(193, 154, 86, 0.35);
}

.service-card.feature .service-meta span {
  background: rgba(255, 255, 255, 0.07);
  color: #a9b7c4;
}

.service-card.feature .service-meta strong {
  color: var(--gold-300);
}

.service-card.feature .s-arrow {
  border-color: rgba(255, 255, 255, 0.28);
  color: #fff;
}

/* ---------- Why / features ---------- */
.why {
  background: var(--paper);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.why-grid {
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  gap: 80px;
  align-items: start;
}

.why-copy {
  position: sticky;
  top: 120px;
}

.why-copy h2 {
  margin-top: 16px;
  font-size: clamp(30px, 3vw, 42px);
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: var(--ink);
  font-weight: 700;
}

.why-copy h2 em {
  font-style: normal;
  color: var(--gold-600);
}

.why-copy > p {
  margin-top: 18px;
  font-size: 14.8px;
  line-height: 1.95;
  color: var(--muted);
  max-width: 420px;
}

.balance-card {
  margin-top: 34px;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}

.balance-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 20px;
}

.balance-head span {
  font-size: 12px;
  letter-spacing: 0.08em;
  color: var(--muted-2);
}

.balance-head strong {
  font-size: 12px;
  color: var(--green);
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.balance-row + .balance-row {
  margin-top: 15px;
}

.balance-row .b-label {
  display: flex;
  justify-content: space-between;
  font-size: 12.5px;
  color: var(--muted);
  margin-bottom: 6px;
}

.balance-row .b-label b {
  font-family: var(--serif);
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
}

.bar {
  height: 8px;
  border-radius: 999px;
  background: #e9e1d1;
  overflow: hidden;
}

.bar i {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: #c7bda9;
  transform-origin: left;
}

.balance-row.after .bar i {
  background: linear-gradient(90deg, var(--gold-600), var(--gold));
}

.balance-row.after .b-label b {
  color: var(--gold-600);
}

.balance-foot {
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px dashed var(--line-strong);
  font-size: 11.5px;
  color: var(--muted-2);
  line-height: 1.7;
}

.feature-list {
  display: grid;
  gap: 0;
}

.feature-item {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  padding: 26px 0;
  border-top: 1px solid var(--line);
}

.feature-item:last-child {
  border-bottom: 1px solid var(--line);
}

.feature-no {
  font-family: var(--serif);
  font-size: 26px;
  color: var(--gold);
  line-height: 1.2;
}

.feature-item h3 {
  font-size: 18px;
  color: var(--ink);
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 10px;
}

.feature-item h3 .icon {
  width: 18px;
  height: 18px;
  color: var(--gold-600);
}

.feature-item p {
  margin-top: 7px;
  font-size: 13.8px;
  line-height: 1.85;
  color: var(--muted);
  max-width: 480px;
}

/* ---------- Calculator ---------- */
.calc {
  position: relative;
  background: var(--ink);
  color: #fff;
  overflow: hidden;
}

.calc::before {
  content: "";
  position: absolute;
  width: 760px;
  height: 760px;
  right: -260px;
  top: -340px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.28);
  box-shadow: 0 0 0 80px rgba(193, 154, 86, 0.04), 0 0 0 170px rgba(193, 154, 86, 0.025);
}

.calc::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.5;
  pointer-events: none;
}

.calc-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 72px;
  align-items: center;
  padding: 88px 0;
}

.calc-copy h2 {
  margin-top: 16px;
  font-size: clamp(30px, 3vw, 42px);
  line-height: 1.28;
  letter-spacing: -0.03em;
  font-weight: 700;
}

.calc-copy h2 em {
  font-style: normal;
  color: var(--gold-300);
}

.calc-copy > p {
  margin-top: 14px;
  font-size: 14px;
  line-height: 1.9;
  color: #a9b7c4;
  max-width: 420px;
}

.calc-controls {
  margin-top: 36px;
  display: grid;
  gap: 26px;
}

.calc-field .c-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 12px;
}

.calc-field .c-head label {
  font-size: 12px;
  letter-spacing: 0.09em;
  color: #93a3b3;
}

.calc-field .c-head output {
  font-family: var(--serif);
  font-size: 22px;
  color: var(--gold-300);
  font-variant-numeric: tabular-nums;
}

.calc-field .c-head output small {
  font-family: var(--font);
  font-size: 11px;
  color: #93a3b3;
  margin-left: 4px;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 999px;
  background: linear-gradient(
    90deg,
    var(--gold) 0%,
    var(--gold) var(--p, 40%),
    rgba(255, 255, 255, 0.16) var(--p, 40%),
    rgba(255, 255, 255, 0.16) 100%
  );
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--paper);
  border: 4px solid var(--gold);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.35);
  cursor: grab;
  transition: transform 0.15s;
}

input[type="range"]::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scale(1.08);
}

input[type="range"]::-moz-range-thumb {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--paper);
  border: 4px solid var(--gold);
  cursor: grab;
}

.range-scale {
  display: flex;
  justify-content: space-between;
  margin-top: 7px;
  font-size: 10.5px;
  color: #7d8d9c;
  font-variant-numeric: tabular-nums;
}

.calc-result {
  position: relative;
  background: var(--paper);
  color: var(--text);
  border-radius: 22px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

.calc-result::before {
  content: "";
  position: absolute;
  inset: 10px;
  border: 1px solid rgba(193, 154, 86, 0.25);
  border-radius: 15px;
  pointer-events: none;
}

.calc-result .r-label {
  font-size: 11.5px;
  letter-spacing: 0.16em;
  color: var(--muted-2);
  text-align: center;
  display: block;
}

.calc-monthly {
  text-align: center;
  font-family: var(--serif);
  font-size: clamp(44px, 4.6vw, 58px);
  line-height: 1.15;
  color: var(--ink);
  margin-top: 8px;
  font-variant-numeric: tabular-nums;
}

.calc-monthly small {
  font-size: 18px;
  color: var(--muted);
  font-family: var(--font);
  margin-right: 3px;
}

.calc-monthly-sub {
  text-align: center;
  font-size: 11.5px;
  color: var(--muted-2);
  margin-top: 2px;
}

.calc-breakdown {
  margin-top: 24px;
  border-top: 1px dashed var(--line-strong);
  padding-top: 8px;
}

.calc-breakdown div {
  display: flex;
  justify-content: space-between;
  padding: 9px 0;
  font-size: 13px;
  color: var(--muted);
}

.calc-breakdown b {
  font-family: var(--serif);
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}

.calc-result .btn {
  margin-top: 18px;
  width: 100%;
}

.calc-note {
  margin-top: 12px;
  font-size: 10.5px;
  color: var(--muted-2);
  text-align: center;
  line-height: 1.7;
}

/* ---------- Process ---------- */
.process {
  background: var(--cream);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 26px;
  position: relative;
}

.process-step {
  position: relative;
  padding-top: 0;
}

.process-step:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 27px;
  left: 54px;
  width: calc(100% - 54px + 26px);
  border-top: 1px dashed var(--line-strong);
}

.step-num {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: var(--paper);
  border: 1px solid var(--line-strong);
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-size: 19px;
  color: var(--gold-600);
  position: relative;
  z-index: 1;
  transition: background 0.3s, color 0.3s, border-color 0.3s;
}

.process-step:hover .step-num {
  background: var(--ink);
  color: var(--gold-300);
  border-color: var(--ink);
}

.process-step h3 {
  margin-top: 22px;
  font-size: 17px;
  color: var(--ink);
  font-weight: 700;
}

.process-step p {
  margin-top: 7px;
  font-size: 13px;
  line-height: 1.8;
  color: var(--muted);
  max-width: 230px;
}

.process-step .p-time {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 12px;
  font-size: 11px;
  color: var(--gold-600);
  letter-spacing: 0.04em;
}

.process-step .p-time .icon {
  width: 13px;
  height: 13px;
}

/* ---------- Testimonials ---------- */
.stories {
  background: var(--paper);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.story-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.story {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  display: flex;
  flex-direction: column;
  transition: transform 0.3s var(--ease), border-color 0.3s;
}

.story:hover {
  transform: translateY(-4px);
  border-color: var(--gold-300);
}

.story .quote-mark {
  font-family: var(--serif);
  font-size: 54px;
  line-height: 0.7;
  color: var(--gold);
  height: 26px;
}

.story blockquote {
  margin-top: 14px;
  font-size: 14.5px;
  line-height: 1.95;
  color: #38424d;
}

.story-foot {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: auto;
  padding-top: 24px;
}

.avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--ink);
  color: var(--gold-300);
  display: grid;
  place-items: center;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.02em;
  flex: none;
}

.story-foot .who strong {
  display: block;
  font-size: 14px;
  color: var(--ink);
}

.story-foot .who span {
  font-size: 11.5px;
  color: var(--muted-2);
}

.story .stars {
  margin-bottom: 4px;
}

.story-result {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-size: 11.5px;
  color: var(--green);
  background: var(--green-soft);
  border-radius: 6px;
  padding: 4px 9px;
  align-self: flex-start;
  font-weight: 600;
}

/* ---------- About ---------- */
.about {
  background: var(--cream);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.about-copy h2 {
  margin-top: 16px;
  font-size: clamp(30px, 3.1vw, 44px);
  line-height: 1.28;
  letter-spacing: -0.03em;
  color: var(--ink);
}

.about-copy h2 em {
  font-style: normal;
  color: var(--gold-600);
}

.about-copy p {
  margin-top: 18px;
  font-size: 14.5px;
  line-height: 2;
  color: var(--muted);
  max-width: 470px;
}

.about-values {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 26px;
}

.about-values span {
  font-size: 12px;
  padding: 6px 12px;
  border-radius: 999px;
  border: 1px solid var(--line-strong);
  color: #4c5560;
  background: var(--paper);
}

.about-panel {
  position: relative;
  background: var(--ink);
  border-radius: 24px;
  padding: 40px;
  color: #fff;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.about-panel::before {
  content: "";
  position: absolute;
  width: 340px;
  height: 340px;
  right: -140px;
  top: -150px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.35);
  box-shadow: 0 0 0 40px rgba(193, 154, 86, 0.05);
}

.about-panel .ap-quote {
  position: relative;
  font-family: var(--serif);
  font-size: 42px;
  color: var(--gold);
  line-height: 1;
}

.about-panel blockquote {
  position: relative;
  font-size: 20px;
  line-height: 1.75;
  letter-spacing: 0.01em;
  margin-top: 12px;
  color: #f4efe4;
}

.about-panel blockquote em {
  font-style: normal;
  color: var(--gold-300);
}

.about-stats {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  margin-top: 34px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 14px;
  overflow: hidden;
}

.about-stats div {
  background: var(--ink);
  padding: 20px 22px;
}

.about-stats strong {
  display: block;
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--gold-300);
  line-height: 1.2;
  white-space: nowrap;
}

.about-stats div > span {
  font-size: 11.5px;
  color: #93a3b3;
  letter-spacing: 0.04em;
}

/* ---------- FAQ ---------- */
.faq {
  background: var(--paper);
  border-top: 1px solid var(--line);
}

.faq-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 72px;
  align-items: start;
}

.faq-copy h2 {
  margin-top: 16px;
  font-size: clamp(30px, 3vw, 40px);
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: var(--ink);
}

.faq-copy p {
  margin-top: 16px;
  font-size: 14px;
  line-height: 1.9;
  color: var(--muted);
  max-width: 320px;
}

.faq-contact {
  margin-top: 26px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--ink);
  border-bottom: 1px solid var(--gold);
  padding-bottom: 3px;
}

.faq-list details {
  border-top: 1px solid var(--line);
}

.faq-list details:last-child {
  border-bottom: 1px solid var(--line);
}

.faq-list summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 4px;
  font-size: 15.5px;
  font-weight: 600;
  color: var(--ink);
  transition: color 0.2s;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary:hover {
  color: var(--gold-600);
}

.faq-list summary .plus {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1px solid var(--line-strong);
  position: relative;
  flex: none;
  transition: background 0.25s, border-color 0.25s, transform 0.35s var(--ease);
}

.faq-list summary .plus::before,
.faq-list summary .plus::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  background: var(--ink);
  transform: translate(-50%, -50%);
  transition: background 0.2s;
}

.faq-list summary .plus::before {
  width: 10px;
  height: 1.5px;
}

.faq-list summary .plus::after {
  width: 1.5px;
  height: 10px;
}

.faq-list details[open] summary .plus {
  background: var(--ink);
  border-color: var(--ink);
  transform: rotate(180deg);
}

.faq-list details[open] summary .plus::before,
.faq-list details[open] summary .plus::after {
  background: var(--gold-300);
}

.faq-list details[open] summary .plus::after {
  opacity: 0;
}

.faq-answer {
  padding: 0 40px 24px 4px;
  font-size: 13.8px;
  line-height: 1.95;
  color: var(--muted);
}

.faq-answer p + p {
  margin-top: 10px;
}

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  background: linear-gradient(120deg, #c8a462 0%, #c19a56 45%, #b48b47 100%);
  color: var(--ink);
  overflow: hidden;
}

.cta-band::before {
  content: "";
  position: absolute;
  width: 560px;
  height: 560px;
  right: -140px;
  top: -260px;
  border-radius: 50%;
  border: 1px solid rgba(10, 31, 51, 0.18);
  box-shadow: 0 0 0 60px rgba(10, 31, 51, 0.04), 0 0 0 130px rgba(10, 31, 51, 0.03);
}

.cta-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  padding: 62px 0;
}

.cta-copy .eyebrow {
  color: rgba(10, 31, 51, 0.72);
}

.cta-copy .eyebrow::before {
  background: var(--ink);
}

.cta-copy h2 {
  margin-top: 12px;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.3;
  letter-spacing: -0.03em;
  font-weight: 700;
  max-width: 620px;
}

.cta-copy p {
  margin-top: 12px;
  font-size: 13.5px;
  color: rgba(10, 31, 51, 0.72);
}

.cta-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  flex: none;
}

.cta-band .btn-navy {
  box-shadow: 0 16px 30px -18px rgba(10, 31, 51, 0.8);
}

.cta-band .btn-ghost {
  border-color: rgba(10, 31, 51, 0.32);
  color: var(--ink);
}

.cta-band .btn-ghost:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: var(--ink);
}

/* ---------- Footer ---------- */
.site-footer {
  background: #071828;
  color: #a7b3bf;
  font-size: 13.5px;
  line-height: 1.8;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 0.8fr 0.8fr 1.1fr;
  gap: 48px;
  padding: 64px 0 48px;
}

.footer-brand .brand-text strong {
  color: #fff;
}

.footer-brand .brand-text small {
  color: var(--gold);
}

.footer-brand p {
  margin-top: 18px;
  font-size: 12.5px;
  line-height: 1.9;
  color: #7f8e9d;
  max-width: 290px;
}

.footer-badges {
  display: flex;
  gap: 8px;
  margin-top: 20px;
  flex-wrap: wrap;
}

.footer-badges span {
  font-size: 10px;
  letter-spacing: 0.06em;
  padding: 4px 8px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 4px;
  color: #93a3b3;
}

.footer-col h4 {
  font-size: 11.5px;
  letter-spacing: 0.16em;
  color: #fff;
  font-weight: 600;
  margin-bottom: 18px;
  text-transform: uppercase;
}

.footer-col li + li {
  margin-top: 9px;
}

.footer-col a {
  color: #8f9dab;
  font-size: 13px;
  transition: color 0.2s;
}

.footer-col a:hover {
  color: var(--gold-300);
}

.footer-contact li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: #8f9dab;
}

.footer-contact li + li {
  margin-top: 12px;
}

.footer-contact .icon {
  width: 16px;
  height: 16px;
  color: var(--gold);
  margin-top: 3px;
}

.footer-contact strong {
  display: block;
  color: #e9eef2;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.footer-contact small {
  font-size: 11.5px;
  color: #7f8e9d;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.09);
  padding: 22px 0 30px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 11.5px;
  color: #6f7f8e;
}

.footer-disclaimer {
  padding: 18px 0 0;
  font-size: 10.5px;
  line-height: 1.8;
  color: #5f6f7e;
  max-width: 1000px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  margin-top: 18px;
}

.footer-legal {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

/* ---------- Floating WhatsApp ---------- */
.float-wa {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 50;
  display: inline-flex;
  align-items: center;
  gap: 0;
  height: 54px;
  padding: 0 15px;
  border-radius: 999px;
  background: #1f7a5a;
  color: #fff;
  box-shadow: 0 16px 34px -14px rgba(10, 31, 51, 0.55);
  transition: gap 0.3s var(--ease), transform 0.25s, background 0.2s;
}

.float-wa:hover {
  transform: translateY(-2px);
  background: #1b6b4f;
  gap: 8px;
}

.float-wa .icon {
  width: 24px;
  height: 24px;
}

.float-wa span {
  max-width: 0;
  overflow: hidden;
  white-space: nowrap;
  font-size: 12.5px;
  font-weight: 600;
  transition: max-width 0.35s var(--ease);
}

.float-wa:hover span {
  max-width: 120px;
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  position: relative;
  background: linear-gradient(180deg, #faf7f0, var(--cream));
  border-bottom: 1px solid var(--line);
  overflow: hidden;
}

.page-hero::after {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  right: -160px;
  top: -260px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.3);
  box-shadow: 0 0 0 50px rgba(193, 154, 86, 0.04);
}

.page-hero-inner {
  position: relative;
  z-index: 2;
  padding: 54px 0 46px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  color: var(--muted-2);
  letter-spacing: 0.04em;
}

.breadcrumb a:hover {
  color: var(--ink);
}

.breadcrumb .icon {
  width: 12px;
  height: 12px;
}

.page-hero h1 {
  margin-top: 18px;
  font-size: clamp(32px, 3.6vw, 48px);
  line-height: 1.22;
  letter-spacing: -0.035em;
  color: var(--ink);
  font-weight: 700;
}

.page-hero p {
  margin-top: 12px;
  max-width: 620px;
  font-size: 14.5px;
  line-height: 1.9;
  color: var(--muted);
}

.page-hero-meta {
  display: flex;
  gap: 22px;
  margin-top: 22px;
  flex-wrap: wrap;
}

.page-hero-meta span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  color: var(--muted);
}

.page-hero-meta .icon {
  width: 15px;
  height: 15px;
  color: var(--gold-600);
}

/* ---------- Products page ---------- */
.products-page {
  padding: 44px 0 96px;
}

.filter-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.filter-chips {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.chip {
  height: 38px;
  padding: 0 16px;
  border-radius: 999px;
  border: 1px solid var(--line-strong);
  background: transparent;
  font-size: 12.5px;
  color: #4c5560;
  transition: all 0.2s;
}

.chip:hover {
  border-color: var(--gold);
  color: var(--ink);
}

.chip.active {
  background: var(--ink);
  border-color: var(--ink);
  color: #fff;
}

.result-count {
  font-size: 12px;
  color: var(--muted-2);
}

.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.product-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  position: relative;
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s;
}

.product-card:hover {
  transform: translateY(-4px);
  border-color: var(--gold-300);
  box-shadow: var(--shadow-md);
}

.product-card.hidden {
  display: none;
}

.product-card .p-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.product-rate {
  margin-top: 20px;
  display: flex;
  align-items: flex-end;
  gap: 6px;
}

.product-rate strong {
  font-family: var(--serif);
  font-size: 38px;
  line-height: 1;
  color: var(--ink);
  font-weight: 500;
  font-variant-numeric: tabular-nums;
}

.product-rate strong small {
  font-size: 15px;
  color: var(--gold-600);
}

.product-rate strong.is-free {
  font-size: 27px;
  letter-spacing: 0;
  color: var(--gold-600);
}

.product-rate span {
  font-size: 11px;
  color: var(--muted-2);
  padding-bottom: 4px;
}

.product-card h3 {
  margin-top: 14px;
  font-size: 20px;
  color: var(--ink);
  font-weight: 700;
}

.product-card h3 small {
  display: block;
  font-family: var(--serif);
  font-size: 10px;
  letter-spacing: 0.14em;
  color: var(--muted-2);
  font-weight: 400;
  text-transform: uppercase;
  margin-top: 2px;
}

.product-card > p {
  margin-top: 8px;
  font-size: 13px;
  color: var(--muted);
  line-height: 1.75;
}

.product-points {
  display: grid;
  gap: 7px;
  margin: 16px 0 20px;
}

.product-points li {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  color: #4d5661;
}

.product-points .icon {
  width: 14px;
  height: 14px;
  color: var(--green);
}

.product-facts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
  margin-top: auto;
}

.product-facts div span {
  display: block;
  font-size: 10px;
  color: var(--muted-2);
  letter-spacing: 0.04em;
}

.product-facts div strong {
  font-size: 12.5px;
  color: var(--ink);
  font-weight: 600;
}

.product-actions {
  display: flex;
  gap: 8px;
  margin-top: 10px;
}

.product-actions .btn {
  flex: 1;
}

/* Comparison table */
.compare {
  margin-top: 72px;
}

.compare h2 {
  font-size: 24px;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-bottom: 6px;
}

.compare > p {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 22px;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper);
}

table.compare-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
  font-size: 13px;
}

.compare-table th,
.compare-table td {
  text-align: left;
  padding: 15px 18px;
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}

.compare-table thead th {
  background: #f4efe3;
  font-size: 11.5px;
  letter-spacing: 0.05em;
  color: var(--muted);
  font-weight: 600;
}

.compare-table tbody tr:last-child td {
  border-bottom: 0;
}

.compare-table tbody tr:hover {
  background: #fdfaf2;
}

.compare-table td:first-child {
  font-weight: 600;
  color: var(--ink);
}

.compare-table .t-rate {
  font-family: var(--serif);
  font-size: 15px;
  color: var(--gold-600);
}

/* ---------- Modal ---------- */
.modal-backdrop {
  position: fixed;
  inset: 0;
  z-index: 100;
  background: rgba(7, 24, 40, 0.55);
  backdrop-filter: blur(4px);
  display: grid;
  place-items: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s, visibility 0.25s;
}

.modal-backdrop.open {
  opacity: 1;
  visibility: visible;
}

.modal {
  position: relative;
  width: min(600px, 100%);
  max-height: 88vh;
  overflow-y: auto;
  background: var(--paper);
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  padding: 32px;
  transform: translateY(14px) scale(0.99);
  transition: transform 0.3s var(--ease);
}

.modal-backdrop.open .modal {
  transform: none;
}

.modal-close {
  position: absolute;
  right: 18px;
  top: 18px;
  z-index: 2;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid var(--line);
  display: grid;
  place-items: center;
  flex: none;
  color: var(--muted);
  background: var(--paper);
}

.modal-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 16px;
}

.modal-head h3 {
  font-size: 24px;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.modal-head small {
  display: block;
  margin-top: 4px;
  font-size: 11px;
  letter-spacing: 0.12em;
  color: var(--muted-2);
  text-transform: uppercase;
}

.modal-close {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid var(--line);
  display: grid;
  place-items: center;
  flex: none;
  color: var(--muted);
}

.modal-close:hover {
  background: var(--cream);
  color: var(--ink);
}

.modal-body p {
  font-size: 13.5px;
  line-height: 1.9;
  color: var(--muted);
}

.modal-facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
  margin: 20px 0;
}

.modal-facts div {
  background: var(--cream);
  padding: 14px 16px;
}

.modal-facts span {
  display: block;
  font-size: 10px;
  color: var(--muted-2);
  letter-spacing: 0.05em;
  margin-bottom: 3px;
}

.modal-facts strong {
  font-size: 13.5px;
  color: var(--ink);
}

.modal-body ul {
  display: grid;
  gap: 8px;
  margin: 16px 0 22px;
}

.modal-body li {
  display: flex;
  gap: 8px;
  font-size: 13px;
  color: #4d5661;
}

.modal-body li .icon {
  width: 16px;
  height: 16px;
  color: var(--green);
  margin-top: 2px;
}

/* ---------- Apply page ---------- */
.apply-page {
  padding: 52px 0 100px;
  background: linear-gradient(180deg, var(--cream) 0%, #f4efe4 100%);
}

.apply-layout {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 32px;
  align-items: start;
}

.apply-aside {
  position: sticky;
  top: 110px;
  display: grid;
  gap: 16px;
}

.aside-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}

.aside-card.dark {
  background: var(--ink);
  color: #fff;
  border-color: var(--ink);
  position: relative;
  overflow: hidden;
}

.aside-card.dark::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  right: -100px;
  bottom: -120px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.35);
  box-shadow: 0 0 0 28px rgba(193, 154, 86, 0.04);
}

.aside-card.dark h3 {
  font-size: 18px;
  margin-bottom: 8px;
}

.aside-card.dark p {
  font-size: 12.5px;
  line-height: 1.8;
  color: #a9b7c4;
}

.aside-card h4 {
  font-size: 11px;
  letter-spacing: 0.13em;
  color: var(--muted-2);
  text-transform: uppercase;
  margin-bottom: 14px;
}

.aside-steps {
  position: relative;
  display: grid;
  gap: 13px;
  margin-top: 18px;
}

.aside-steps li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12px;
  line-height: 1.65;
  color: #b9c6d3;
}

.aside-steps b {
  font-family: var(--serif);
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-300);
  padding-top: 1px;
}

.doc-list {
  display: grid;
  gap: 11px;
}

.doc-list li {
  display: flex;
  gap: 10px;
  font-size: 12.5px;
  line-height: 1.6;
  color: #4d5661;
}

.doc-list .icon {
  width: 15px;
  height: 15px;
  color: var(--gold-600);
  margin-top: 2px;
}

.aside-help {
  background: var(--ink);
  color: #fff;
  border-radius: var(--radius);
  padding: 22px;
}

.aside-help .ah-label {
  font-size: 10px;
  letter-spacing: 0.16em;
  color: var(--gold-300);
}

.aside-help a {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  font-family: var(--serif);
  font-size: 21px;
  color: #fff;
}

.aside-help a:hover {
  color: var(--gold-300);
}

.aside-help small {
  display: block;
  margin-top: 5px;
  font-size: 11px;
  color: #8fa0b0;
}

.wizard {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-sm);
  padding: 38px 40px 40px;
  min-height: 520px;
}

.wizard-steps {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 34px;
}

.w-step {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.w-step .ws-bar {
  height: 3px;
  border-radius: 99px;
  background: #eae2d3;
  overflow: hidden;
}

.w-step .ws-bar i {
  display: block;
  height: 100%;
  width: 0;
  background: var(--gold);
  transition: width 0.4s var(--ease);
}

.w-step.done .ws-bar i,
.w-step.active .ws-bar i {
  width: 100%;
}

.w-step .ws-label {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 11.5px;
  color: var(--muted-2);
}

.w-step .ws-label b {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 13px;
  color: var(--muted-2);
}

.w-step.active .ws-label,
.w-step.done .ws-label {
  color: var(--ink);
}

.w-step.active .ws-label b,
.w-step.done .ws-label b {
  color: var(--gold-600);
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: stepIn 0.4s var(--ease);
}

@keyframes stepIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.form-step-head {
  margin-bottom: 26px;
}

.form-step-head h2 {
  font-size: 24px;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.form-step-head p {
  margin-top: 6px;
  font-size: 13px;
  color: var(--muted);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-grid .span-2 {
  grid-column: span 2;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.choice {
  position: relative;
  display: block;
  border: 1px solid var(--line-strong);
  border-radius: 12px;
  padding: 14px;
  cursor: pointer;
  background: #fff;
  transition: all 0.2s;
}

.choice:hover {
  border-color: var(--gold);
}

.choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.choice .ch-top {
  display: flex;
  align-items: center;
  gap: 8px;
}

.choice .ch-icon {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: var(--cream);
  color: var(--gold-600);
  display: grid;
  place-items: center;
}

.choice .ch-icon .icon {
  width: 16px;
  height: 16px;
}

.choice strong {
  font-size: 12.5px;
  color: var(--ink);
  font-weight: 600;
  line-height: 1.3;
}

.choice small {
  display: block;
  margin-top: 7px;
  font-size: 10.5px;
  color: var(--muted-2);
}

.choice:has(input:checked) {
  border-color: var(--gold);
  background: #fdf8ee;
  box-shadow: inset 0 0 0 1px var(--gold);
}

.choice:has(input:checked) .ch-icon {
  background: var(--gold);
  color: var(--ink);
}

.amount-row {
  display: flex;
  align-items: center;
  gap: 14px;
}

.amount-row .input-group {
  flex: 1;
}

.amount-slider {
  margin-top: 14px;
}

.amount-slider input[type="range"] {
  background: linear-gradient(
    90deg,
    var(--gold-600) 0%,
    var(--gold-600) var(--p, 30%),
    #e8dfcd var(--p, 30%),
    #e8dfcd 100%
  );
  height: 4px;
}

.amount-slider input[type="range"]::-webkit-slider-thumb {
  border-color: var(--gold-600);
  background: #fff;
  box-shadow: 0 2px 8px rgba(10, 31, 51, 0.2);
}

.tenure-chips {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.tenure-chip {
  position: relative;
}

.tenure-chip input {
  position: absolute;
  opacity: 0;
}

.tenure-chip span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 40px;
  min-width: 58px;
  padding: 0 14px;
  border-radius: 9px;
  border: 1px solid var(--line-strong);
  font-size: 12.5px;
  color: #4c5560;
  cursor: pointer;
  transition: all 0.2s;
  background: #fff;
}

.tenure-chip input:checked + span {
  background: var(--ink);
  border-color: var(--ink);
  color: #fff;
}

.estimate {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: var(--cream);
  border: 1px dashed var(--line-strong);
  border-radius: 12px;
  padding: 14px 18px;
  margin-top: 22px;
}

.estimate .e-label {
  font-size: 11px;
  color: var(--muted);
}

.estimate .e-label strong {
  display: block;
  font-size: 12.5px;
  color: var(--ink);
  font-weight: 600;
  margin-bottom: 2px;
}

.estimate .e-value {
  font-family: var(--serif);
  font-size: 24px;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.estimate .e-value small {
  font-size: 11px;
  font-family: var(--font);
  color: var(--muted-2);
}

.form-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  margin-top: 30px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}

.form-actions .spacer {
  flex: 1;
}

.form-actions .btn {
  min-width: 130px;
}

.summary {
  display: grid;
  gap: 0;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}

.summary-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 13px 18px;
  font-size: 13px;
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.summary-row:last-child {
  border-bottom: 0;
}

.summary-row span {
  color: var(--muted);
}

.summary-row strong {
  color: var(--ink);
  font-weight: 600;
  text-align: right;
}

.summary-section-title {
  padding: 10px 18px;
  background: #f6f1e6;
  font-size: 10.5px;
  letter-spacing: 0.1em;
  color: var(--muted-2);
  text-transform: uppercase;
}

.consent-box {
  margin-top: 18px;
  background: #fbf8f1;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px;
}

.consent-box .consent {
  font-size: 12px;
  color: #4d5661;
}

.success-screen {
  text-align: center;
  padding: 30px 16px 20px;
  display: none;
}

.success-screen.show {
  display: block;
  animation: stepIn 0.45s var(--ease);
}

.success-screen .ok-mark {
  width: 74px;
  height: 74px;
  border-radius: 50%;
  background: var(--green-soft);
  color: var(--green);
  display: grid;
  place-items: center;
  margin: 0 auto 20px;
}

.success-screen .ok-mark .icon {
  width: 34px;
  height: 34px;
}

.success-screen h2 {
  font-size: 27px;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.success-screen > p {
  margin-top: 8px;
  font-size: 13.5px;
  color: var(--muted);
}

.ref-box {
  margin: 24px auto 0;
  max-width: 360px;
  background: var(--cream);
  border: 1px dashed var(--line-strong);
  border-radius: 12px;
  padding: 16px;
}

.ref-box span {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.14em;
  color: var(--muted-2);
}

.ref-box strong {
  display: block;
  margin-top: 4px;
  font-family: var(--serif);
  font-size: 30px;
  letter-spacing: 0.03em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}

.success-actions {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 24px;
  flex-wrap: wrap;
}

.success-next {
  margin: 28px auto 0;
  max-width: 440px;
  text-align: left;
  display: grid;
  gap: 10px;
}

.success-next div {
  display: flex;
  gap: 9px;
  font-size: 12px;
  color: var(--muted);
  line-height: 1.7;
}

.success-next .icon {
  width: 16px;
  height: 16px;
  color: var(--gold-600);
  margin-top: 1px;
}

/* ---------- Track page ---------- */
.track-page {
  padding: 56px 0 96px;
  background: linear-gradient(180deg, var(--cream), #f3eee3);
  min-height: 60vh;
}

.track-wrap {
  max-width: 780px;
  margin: 0 auto;
}

.track-search {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 32px;
  box-shadow: var(--shadow-sm);
}

.track-search h2 {
  font-size: 23px;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.track-search > p {
  margin-top: 6px;
  font-size: 13px;
  color: var(--muted);
}

.track-form {
  display: grid;
  grid-template-columns: 1.2fr 1fr auto;
  gap: 12px;
  align-items: end;
  margin-top: 22px;
}

.track-form .btn {
  height: 48px;
}

.track-hint {
  margin-top: 12px;
  font-size: 11.5px;
  color: var(--muted-2);
  display: flex;
  gap: 6px;
  align-items: center;
}

.track-hint .icon {
  width: 13px;
  height: 13px;
}

.track-result {
  display: none;
  margin-top: 24px;
}

.track-result.show {
  display: block;
  animation: stepIn 0.4s var(--ease);
}

.status-hero {
  background: var(--ink);
  color: #fff;
  border-radius: 20px;
  padding: 28px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  position: relative;
  overflow: hidden;
}

.status-hero::after {
  content: "";
  position: absolute;
  width: 240px;
  height: 240px;
  right: -100px;
  top: -130px;
  border-radius: 50%;
  border: 1px solid rgba(193, 154, 86, 0.35);
  box-shadow: 0 0 0 30px rgba(193, 154, 86, 0.05);
}

.status-hero .sh-label {
  font-size: 10.5px;
  letter-spacing: 0.16em;
  color: #93a3b3;
}

.status-hero h2 {
  margin-top: 6px;
  font-size: 28px;
  letter-spacing: -0.02em;
}

.status-hero .sh-ref {
  margin-top: 4px;
  font-family: var(--serif);
  font-size: 13px;
  color: var(--gold-300);
  letter-spacing: 0.08em;
}

.status-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  background: rgba(193, 154, 86, 0.16);
  border: 1px solid rgba(193, 154, 86, 0.35);
  color: var(--gold-300);
  position: relative;
  z-index: 2;
  white-space: nowrap;
}

.status-pill .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: currentColor;
  box-shadow: 0 0 0 4px rgba(193, 154, 86, 0.16);
}

.track-grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 16px;
  margin-top: 16px;
  align-items: start;
}

.track-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 28px;
}

.track-card h3 {
  font-size: 14px;
  color: var(--ink);
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.track-card h3 .icon {
  width: 16px;
  height: 16px;
  color: var(--gold-600);
}

.timeline {
  position: relative;
  padding-left: 30px;
}

.timeline::before {
  content: "";
  position: absolute;
  left: 8px;
  top: 6px;
  bottom: 26px;
  width: 1px;
  background: var(--line-strong);
}

.tl-item {
  position: relative;
  padding-bottom: 24px;
}

.tl-item:last-child {
  padding-bottom: 0;
}

.tl-dot {
  position: absolute;
  left: -30px;
  top: 3px;
  width: 17px;
  height: 17px;
  border-radius: 50%;
  border: 1px solid var(--line-strong);
  background: var(--paper);
  display: grid;
  place-items: center;
}

.tl-dot::after {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: transparent;
}

.tl-item.done .tl-dot {
  background: var(--green);
  border-color: var(--green);
}

.tl-item.done .tl-dot::after {
  background: #fff;
}

.tl-item.current .tl-dot {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(193, 154, 86, 0.18);
}

.tl-item.current .tl-dot::after {
  background: var(--gold);
}

.tl-item.rejected .tl-dot {
  background: var(--red);
  border-color: var(--red);
}

.tl-item.rejected .tl-dot::after {
  background: #fff;
}

.tl-item .tl-title {
  font-size: 13.5px;
  color: var(--muted);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}

.tl-item.done .tl-title,
.tl-item.current .tl-title {
  color: var(--ink);
}

.tl-now {
  font-size: 9.5px;
  font-weight: 600;
  color: var(--gold-600);
  background: var(--gold-100);
  padding: 1px 6px;
  border-radius: 4px;
  letter-spacing: 0.05em;
  text-transform: none;
}

.tl-item .tl-desc {
  margin-top: 3px;
  font-size: 11.5px;
  color: var(--muted-2);
  line-height: 1.65;
}

.track-summary {
  display: grid;
  gap: 0;
}

.ts-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px dashed var(--line);
  font-size: 12.5px;
}

.ts-row:last-child {
  border-bottom: 0;
}

.ts-row span {
  color: var(--muted-2);
}

.ts-row strong {
  color: var(--ink);
  font-weight: 600;
  text-align: right;
}

.advisor-card {
  background: var(--ink);
  color: #fff;
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 16px;
}

.advisor-card .adv-top {
  display: flex;
  align-items: center;
  gap: 12px;
}

.advisor-card .avatar {
  background: rgba(193, 154, 86, 0.18);
  color: var(--gold-300);
  border: 1px solid rgba(193, 154, 86, 0.3);
}

.advisor-card strong {
  font-size: 14px;
  display: block;
}

.advisor-card span {
  font-size: 10.5px;
  color: #8fa0b0;
}

.advisor-card .adv-actions {
  display: grid;
  gap: 8px;
  margin-top: 18px;
}

.advisor-card .btn {
  height: 42px;
  font-size: 12.5px;
}

.advisor-card .btn-light {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.18);
  color: #fff;
}

.advisor-card .btn-light:hover {
  background: rgba(255, 255, 255, 0.16);
  border-color: var(--gold);
}

.track-error {
  display: none;
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: 10px;
  background: #fbeeec;
  border: 1px solid #eccfc9;
  color: #8f3a2f;
  font-size: 12.5px;
}

.track-error.show {
  display: block;
}

.track-empty {
  display: none;
  margin-top: 24px;
  background: var(--paper);
  border: 1px dashed var(--line-strong);
  border-radius: var(--radius);
  padding: 48px 24px;
  text-align: center;
}

.track-empty.show {
  display: block;
}

.track-empty .icon {
  width: 34px;
  height: 34px;
  color: var(--gold-600);
  margin: 0 auto 12px;
}

.track-empty h3 {
  font-size: 18px;
  color: var(--ink);
}

.track-empty p {
  margin-top: 6px;
  font-size: 12.5px;
  color: var(--muted);
}

/* ---------- Toast ---------- */
.toast-stack {
  position: fixed;
  left: 50%;
  bottom: 28px;
  transform: translateX(-50%);
  z-index: 200;
  display: grid;
  gap: 8px;
  width: min(400px, calc(100% - 32px));
  pointer-events: none;
}

.toast {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  background: var(--ink);
  color: #fff;
  font-size: 13px;
  line-height: 1.55;
  padding: 12px 16px;
  border-radius: 10px;
  box-shadow: 0 18px 40px -16px rgba(10, 31, 51, 0.6);
  animation: toastIn 0.35s var(--ease);
  pointer-events: auto;
}

.toast .icon {
  width: 17px;
  height: 17px;
  color: var(--gold-300);
  margin-top: 1px;
}

.toast.error {
  background: #7d2f26;
}

.toast.error .icon {
  color: #f1c9c3;
}

.toast.success .icon {
  color: #7fd3ae;
}

@keyframes toastIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

/* ---------- Reveal ---------- */
.reveal {
  opacity: 1;
  transform: none;
}

.js-reveal .reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.75s var(--ease), transform 0.75s var(--ease);
}

.js-reveal .reveal.in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
  .js-reveal .reveal {
    opacity: 1;
    transform: none;
  }
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero-inner {
    gap: 44px;
  }
  .why-grid,
  .faq-grid,
  .about-grid {
    gap: 48px;
  }
  .section-head {
    gap: 32px;
  }
  .apply-layout {
    grid-template-columns: 300px 1fr;
  }
  .wizard {
    padding: 32px 28px;
  }
}

@media (max-width: 960px) {
  .nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    z-index: 55;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 14px 24px 24px;
    gap: 2px;
    display: none;
    max-height: calc(100vh - 74px);
    overflow-y: auto;
    box-shadow: 0 30px 40px -30px rgba(10, 31, 51, 0.5);
  }
  .nav.open {
    display: flex;
  }
  .nav a {
    padding: 13px 8px;
    font-size: 15px;
    border-bottom: 1px solid var(--line);
    border-radius: 0;
  }
  .nav a::after {
    display: none;
  }
  .nav .nav-cta {
    display: flex;
    margin-top: 14px;
    border: 0;
    color: #102236;
  }
  .nav-toggle {
    display: block;
  }
  .header-phone {
    display: none;
  }
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 48px 0 56px;
  }
  .hero-lead {
    max-width: 620px;
  }
  .lead-card {
    max-width: 560px;
  }
  .why-grid,
  .faq-grid,
  .about-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .why-copy {
    position: static;
  }
  .calc-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 64px 0;
  }
  .calc-result {
    max-width: 480px;
  }
  .service-grid,
  .product-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .story-grid {
    grid-template-columns: 1fr;
  }
  .story {
    padding: 26px;
  }
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 36px 24px;
  }
  .process-step:not(:last-child)::after {
    display: none;
  }
  .apply-layout {
    grid-template-columns: 1fr;
  }
  .wizard {
    order: -1;
  }
  .apply-aside {
    position: static;
    grid-template-columns: 1fr 1fr;
  }
  .apply-aside .aside-help {
    grid-column: span 2;
  }
  .track-grid {
    grid-template-columns: 1fr;
  }
  .footer-top {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
  .cta-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 26px;
    padding: 52px 0;
  }
  .section {
    padding: 72px 0;
  }
}

@media (max-width: 720px) {
  html[lang="en"] .hero-copy h1,
  html[lang="ms"] .hero-copy h1 {
    font-size: 28px;
    line-height: 1.2;
  }
  .container {
    width: calc(100% - 36px);
  }
  .utility-left {
    display: none;
  }
  .utility-inner {
    justify-content: space-between;
  }
  .utility-right {
    gap: 10px;
  }
  .utility-right > span:last-of-type {
    display: none;
  }
  .header-phone {
    display: none;
  }
  .brand-text strong {
    font-size: 15.5px;
  }
  .brand-text small {
    font-size: 7.5px;
  }
  .brand-mark {
    width: 36px;
    height: 36px;
  }
  .header-actions .btn {
    height: 38px;
    padding: 0 14px;
    font-size: 12.5px;
  }
  .hero-copy h1 {
    font-size: clamp(34px, 9vw, 44px);
  }
  .hero-proof {
    gap: 18px;
  }
  .proof-item strong {
    font-size: 22px;
  }
  .proof-divider {
    display: none;
  }
  .hero-cta .btn {
    flex: 1;
    min-width: 150px;
  }
  .lead-head,
  .lead-body {
    padding-inline: 20px;
  }
  .partners-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 20px 0;
  }
  .partners-label {
    max-width: none;
  }
  .partners-list {
    gap: 14px 22px;
    justify-content: flex-start;
    flex-wrap: wrap;
  }
  .partner-word {
    font-size: 14px;
  }
  .section {
    padding: 58px 0;
  }
  .section-head {
    grid-template-columns: 1fr;
    gap: 14px;
    margin-bottom: 32px;
  }
  .section-head h2 {
    font-size: 29px;
  }
  .service-grid,
  .product-grid {
    grid-template-columns: 1fr;
  }
  .service-card {
    min-height: 0;
    padding: 24px;
  }
  .calc-result {
    padding: 26px 20px;
  }
  .calc-breakdown b {
    font-size: 14px;
  }
  .process-step p {
    max-width: none;
  }
  .about-panel {
    padding: 28px;
  }
  .about-panel blockquote {
    font-size: 18px;
  }
  .faq-list summary {
    font-size: 14.5px;
    padding: 18px 2px;
  }
  .faq-answer {
    padding-right: 10px;
  }
  .footer-top {
    grid-template-columns: 1fr;
    gap: 30px;
    padding: 44px 0 36px;
  }
  .footer-bottom {
    flex-direction: column;
    gap: 12px;
  }
  .float-wa {
    right: 16px;
    bottom: 16px;
  }
  .page-hero-inner {
    padding: 36px 0 32px;
  }
  .products-page {
    padding: 30px 0 70px;
  }
  .apply-page {
    padding: 30px 0 72px;
  }
  .apply-aside {
    grid-template-columns: 1fr;
  }
  .apply-aside .aside-help {
    grid-column: auto;
  }
  .wizard {
    padding: 24px 20px 28px;
  }
  .wizard-steps {
    gap: 4px;
    margin-bottom: 26px;
  }
  .w-step .ws-label span {
    display: none;
  }
  .w-step .ws-label b {
    font-size: 12px;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .form-grid .span-2 {
    grid-column: auto;
  }
  .choice-grid {
    grid-template-columns: 1fr 1fr;
  }
  .form-actions {
    flex-direction: column-reverse;
    align-items: stretch;
  }
  .form-actions .btn {
    width: 100%;
  }
  .form-actions .spacer {
    display: none;
  }
  .track-form {
    grid-template-columns: 1fr;
  }
  .estimate {
    flex-direction: column;
    align-items: flex-start;
    gap: 6px;
  }
  .estimate .e-value {
    font-size: 30px;
  }
  .track-search {
    padding: 24px 20px;
  }
  .status-hero {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 24px;
  }
  .track-card {
    padding: 22px;
  }
  .modal {
    padding: 24px 20px;
  }
  .modal-facts {
    grid-template-columns: 1fr;
  }
  .cta-actions {
    width: 100%;
  }
  .cta-actions .btn {
    flex: 1;
  }
}

@media (max-width: 420px) {
  .choice-grid {
    grid-template-columns: 1fr;
  }
  .hero-cta {
    flex-direction: column;
    align-items: stretch;
  }
  .hero-cta .btn {
    width: 100%;
  }
  .header-actions .btn-gold {
    display: none;
  }
}

/* IBPO GROUP brand */
.brand-logo { display: block; width: auto; height: 38px; }
.site-footer .brand-logo { height: 46px; }
@media (max-width: 720px) {
  .brand-logo { height: 32px; }
  .site-footer .brand-logo { height: 40px; }
}

.footer-top { grid-template-columns: 1.6fr 1fr 1fr; }
@media (max-width: 980px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-top { grid-template-columns: 1fr; } }