@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  --navy: #FFFFFF;
  --navy2: #F4F7FB;
  --navy3: #E8EDF4;
  --card: #FFFFFF;
  --card2: #F7F9FC;
  --gold: #0EA5E9;
  --gold2: #38BDF8;
  --gold-dim: rgba(14, 165, 233, .08);
  --gold-glow: rgba(14, 165, 233, .18);
  --cream: #1B2A44;
  --cream2: #6B7B96;
  --white: #FFFFFF;
  --danger: #D93535;
  --success: #1E9E62;
  --warning: #C97D10;
  --border: rgba(27, 42, 68, .09);
  --border2: rgba(27, 42, 68, .05);
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --shadow: 0 8px 32px rgba(27, 42, 68, .10);
  --shadow-sm: 0 3px 14px rgba(27, 42, 68, .07);
  --transition: .26s cubic-bezier(.4, 0, .2, 1);
  --sidebar-w: 258px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  background: var(--navy);
  color: var(--cream);
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  line-height: 1.65;
  overflow-x: hidden;
  background-image: radial-gradient(ellipse 90% 40% at 50% 0%, rgba(14, 165, 233, .05) 0%, transparent 65%);
}

h1,
h2,
h3,
h4,
h5 {
  font-family: 'Inter', sans-serif;
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -.02em;
}

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

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

ul {
  list-style: none;
}

button,
input,
textarea,
select {
  font-family: 'Inter', sans-serif;
}

::-webkit-scrollbar {
  width: 5px;
}

::-webkit-scrollbar-track {
  background: var(--navy2);
}

::-webkit-scrollbar-thumb {
  background: var(--gold);
  border-radius: 3px;
}

/* ===== 3. TYPOGRAPHY ===== */
.heading-xl {
  font-size: clamp(2.6rem, 5vw, 4.2rem);
  font-weight: 800;
  letter-spacing: -.03em;
}

.heading-lg {
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 700;
  letter-spacing: -.025em;
}

.heading-md {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 700;
  letter-spacing: -.02em;
}

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

.text-muted {
  color: var(--cream2);
}

.text-sm {
  font-size: .875rem;
}

.text-xs {
  font-size: .75rem;
}

.text-center {
  text-align: center;
}

.italic {
  font-style: italic;
}

.fw-700 {
  font-weight: 700;
}

.fw-600 {
  font-weight: 600;
}

.d-flex {
  display: flex;
}

.align-center {
  align-items: center;
}

.justify-between {
  justify-content: space-between;
}

.justify-center {
  justify-content: center;
}

.flex-wrap {
  flex-wrap: wrap;
}

.gap-8 {
  gap: 8px;
}

.gap-12 {
  gap: 12px;
}

.gap-16 {
  gap: 16px;
}

.gap-24 {
  gap: 24px;
}

.gap-32 {
  gap: 32px;
}

.gap-40 {
  gap: 40px;
}

.mt-4 {
  margin-top: 4px;
}

.mt-8 {
  margin-top: 8px;
}

.mt-12 {
  margin-top: 12px;
}

.mt-16 {
  margin-top: 16px;
}

.mt-20 {
  margin-top: 20px;
}

.mt-24 {
  margin-top: 24px;
}

.mt-32 {
  margin-top: 32px;
}

.mt-40 {
  margin-top: 40px;
}

.mt-48 {
  margin-top: 48px;
}

.mb-4 {
  margin-bottom: 4px;
}

.mb-8 {
  margin-bottom: 8px;
}

.mb-12 {
  margin-bottom: 12px;
}

.mb-16 {
  margin-bottom: 16px;
}

.mb-20 {
  margin-bottom: 20px;
}

.mb-24 {
  margin-bottom: 24px;
}

.mb-28 {
  margin-bottom: 28px;
}

.mb-32 {
  margin-bottom: 32px;
}

.mb-40 {
  margin-bottom: 40px;
}

.mb-48 {
  margin-bottom: 48px;
}

.mb-60 {
  margin-bottom: 60px;
}

.hidden {
  display: none !important;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 24px;
  border-radius: var(--radius-sm);
  font-size: .875rem;
  font-weight: 700;
  letter-spacing: .01em;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  white-space: nowrap;
  font-family: 'Inter', sans-serif;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: #fff;
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 28px rgba(14, 165, 233, .4);
}

.btn-ghost {
  background: transparent;
  color: var(--cream2);
  border: 1px solid var(--border2);
}

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

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border: 1px solid var(--gold);
}

.btn-outline-gold:hover {
  background: var(--gold-dim);
}

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

.btn-danger:hover {
  opacity: .88;
}

.btn-lg {
  padding: 14px 32px;
  font-size: 1rem;
  border-radius: var(--radius);
}

.btn-sm {
  padding: 8px 16px;
  font-size: .8rem;
}

.btn-xs {
  padding: 5px 12px;
  font-size: .75rem;
}

.btn-block {
  width: 100%;
  justify-content: center;
}

.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-size: .75rem;
  font-weight: 700;
  color: var(--cream2);
  margin-bottom: 7px;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  background: var(--card2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--cream);
  font-size: .95rem;
  transition: var(--transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--gold);
  background: var(--card);
  box-shadow: 0 0 0 3px rgba(14, 165, 233, .12);
}

.form-control::placeholder {
  color: rgba(107, 123, 150, .45);
}

select.form-control {
  appearance: none;
  cursor: pointer;
}

textarea.form-control {
  min-height: 130px;
  resize: vertical;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-hint {
  font-size: .77rem;
  color: var(--cream2);
  margin-top: 5px;
}

.form-error {
  font-size: .77rem;
  color: var(--danger);
  margin-top: 5px;
}

.input-group {
  position: relative;
}

.input-group .form-control {
  padding-right: 44px;
}

.toggle-pwd {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  color: var(--cream2);
  font-size: .95rem;
  transition: color var(--transition);
}

.toggle-pwd:hover {
  color: var(--gold);
}

.strength-meter {
  display: flex;
  gap: 4px;
  margin-top: 8px;
}

.strength-bar {
  height: 3px;
  flex: 1;
  border-radius: 100px;
  background: var(--border);
  transition: var(--transition);
}

.strength-bar.weak {
  background: var(--danger);
}

.strength-bar.fair {
  background: var(--warning);
}

.strength-bar.strong {
  background: var(--success);
}

.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  padding: 0 5%;
  height: 70px;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
  transition: background var(--transition), box-shadow var(--transition);
  justify-content: space-between;
}

.navbar.scrolled {
  background: rgba(255, 255, 255, .97);
  box-shadow: 0 2px 20px rgba(27, 42, 68, .07);
}

.navbar__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--cream);
  flex-shrink: 0;
}

.navbar__logo-img {
  height: auto;
  max-width: 200px;
  object-fit: contain;
}

.navbar__logo-text span {
  color: var(--gold);
}

.navbar__links {
  display: flex;
  align-items: center;
  gap: 36px;
  margin: 0 auto;
}

.navbar__links a {
  font-size: .875rem;
  font-weight: 600;
  color: var(--cream2);
  position: relative;
  transition: color var(--transition);
  padding-bottom: 2px;
}

.navbar__links a::after {
  content: '';
  position: absolute;
  bottom: -3px;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: center;
}

.navbar__links a:hover,
.navbar__links a.active {
  color: var(--gold);
}

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

.navbar__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
  margin-left: 12px;
}

.navbar__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--cream);
  border-radius: 2px;
  transition: var(--transition);
}

.navbar__hamburger.open span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.navbar__hamburger.open span:nth-child(2) {
  opacity: 0;
}

.navbar__hamburger.open span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ===== 8. MOBILE NAV ===== */
.mobile-nav {
  display: none;
  position: fixed;
  top: 70px;
  left: 0;
  right: 0;
  background: var(--card);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 8px 24px rgba(27, 42, 68, .08);
  padding: 20px 5%;
  z-index: 999;
  flex-direction: column;
  gap: 4px;
}

.mobile-nav.open {
  display: flex;
}

.mobile-nav a {
  font-size: .95rem;
  color: var(--cream2);
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-weight: 600;
}

.mobile-nav a:last-of-type {
  border-bottom: none;
}

.mobile-nav a:hover {
  color: var(--gold);
}

.mobile-nav .btn {
  margin-top: 10px;
}

.hero {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 80px;
  padding: 130px 6% 100px;
  position: relative;
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    radial-gradient(ellipse 55% 75% at 75% 45%, rgba(14, 165, 233, .10) 0%, transparent 60%),
    radial-gradient(ellipse 40% 50% at 10% 85%, rgba(14, 165, 233, .05) 0%, transparent 55%);
  pointer-events: none;
}

.hero__bg-line {
  position: absolute;
  top: 0;
  right: 22%;
  width: 1px;
  height: 100%;
  background: linear-gradient(to bottom, transparent, rgba(14, 165, 233, .30), transparent);
  pointer-events: none;
}

.hero__content {
  position: relative;
  z-index: 1;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px 6px 10px;
  border-radius: 100px;
  background: rgba(14, 165, 233, .08);
  border: 1px solid rgba(14, 165, 233, .20);
  font-size: .72rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: .09em;
  text-transform: uppercase;
  margin-bottom: 32px;
}

.hero__badge i {
  font-size: .85em;
}

.hero__title {
  font-size: clamp(2.6rem, 4.8vw, 4.2rem);
  margin-bottom: 22px;
  font-weight: 800;
  letter-spacing: -.035em;
  line-height: 1.1;
}

.hero__title em {
  color: var(--gold);
  font-style: normal;
}

.hero__subtitle {
  font-size: 1.05rem;
  color: var(--cream2);
  max-width: 480px;
  margin-bottom: 40px;
  line-height: 1.8;
  font-weight: 400;
}

.hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 4px;
}

.hero__trust-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
  font-size: .8rem;
  color: var(--cream2);
}

.hero__trust-avatars {
  display: flex;
}

.hero__trust-avatar {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: 2px solid var(--navy);
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-left: -8px;
}

.hero__trust-avatar:first-child {
  margin-left: 0;
}

.hero__trust-text strong {
  color: var(--cream);
  font-weight: 700;
}

.hero__stats {
  display: flex;
  gap: 0;
  margin-top: 52px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}

.hero__stat {
  flex: 1;
  min-width: 100px;
  padding-right: 28px;
  border-right: 1px solid var(--border);
  margin-right: 28px;
}

.hero__stat:last-child {
  border-right: none;
  padding-right: 0;
  margin-right: 0;
}

.hero__stat-num {
  font-size: 2.1rem;
  color: var(--gold);
  font-weight: 800;
  letter-spacing: -.025em;
  line-height: 1;
  margin-bottom: 6px;
}

.hero__stat-label {
  font-size: .78rem;
  color: var(--cream2);
  font-weight: 500;
}

.hero__visual {
  position: relative;
  z-index: 1;
  padding: 20px 0 20px 20px;
}

/* ── Hero mini-dashboard ── */
.hero-db {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(14, 165, 233, .10), 0 2px 8px rgba(27, 42, 68, .06);
}

/* Header */
.hero-db__hd {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  border-bottom: 1px solid var(--border);
  background: var(--navy2);
}

.hero-db__hd-left {
  display: flex;
  align-items: center;
  gap: 12px;
}

.hero-db__avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: #fff;
  font-size: .75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-db__greeting {
  font-size: .82rem;
  font-weight: 700;
  color: var(--cream);
}

.hero-db__sub {
  font-size: .72rem;
  color: var(--cream2);
  margin-top: 1px;
}

.hero-db__bell {
  position: relative;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--card);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--cream2);
  font-size: .82rem;
}

.hero-db__bell-dot {
  position: absolute;
  top: 6px;
  right: 6px;
  width: 7px;
  height: 7px;
  background: var(--gold);
  border-radius: 50%;
  border: 2px solid var(--navy2);
}

/* Balance */
.hero-db__balance {
  padding: 22px 22px 18px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold2) 100%);
  position: relative;
  overflow: hidden;
}

.hero-db__balance::before {
  content: '';
  position: absolute;
  top: -30px;
  right: -30px;
  width: 110px;
  height: 110px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .12);
}

.hero-db__balance::after {
  content: '';
  position: absolute;
  bottom: -20px;
  right: 40px;
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .07);
}

.hero-db__balance-label {
  font-size: .7rem;
  font-weight: 700;
  color: rgba(255, 255, 255, .7);
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-bottom: 6px;
}

.hero-db__balance-amt {
  font-size: 2rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -.03em;
  line-height: 1;
}

.hero-db__balance-amt span {
  font-size: 1.2rem;
  opacity: .8;
}

.hero-db__balance-change {
  margin-top: 8px;
  font-size: .75rem;
  font-weight: 600;
  color: rgba(255, 255, 255, .85);
}

/* Active loan */
.hero-db__loan {
  padding: 16px 22px;
  border-bottom: 1px solid var(--border);
}

.hero-db__loan-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 12px;
}

.hero-db__loan-label {
  font-size: .7rem;
  color: var(--cream2);
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: 2px;
}

.hero-db__loan-amt {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--cream);
  letter-spacing: -.02em;
}

.hero-db__loan-badge {
  background: rgba(30, 158, 98, .10);
  color: var(--success);
  border: 1px solid rgba(30, 158, 98, .22);
  border-radius: 100px;
  padding: 4px 12px;
  font-size: .7rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 5px;
  white-space: nowrap;
}

.hero-db__loan-meta {
  display: flex;
  justify-content: space-between;
  font-size: .72rem;
  color: var(--cream2);
  margin-bottom: 6px;
}

.hero-db__bar {
  height: 5px;
  background: var(--navy3);
  border-radius: 100px;
  overflow: hidden;
}

.hero-db__bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold2));
  border-radius: 100px;
}

/* Quick stats */
.hero-db__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-bottom: 1px solid var(--border);
}

.hero-db__stat {
  padding: 14px 14px 12px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  border-right: 1px solid var(--border);
}

.hero-db__stat:last-child {
  border-right: none;
}

.hero-db__stat-ico {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .78rem;
}

.hero-db__stat-ico--blue {
  background: rgba(14, 165, 233, .10);
  color: var(--gold);
}

.hero-db__stat-ico--green {
  background: rgba(30, 158, 98, .10);
  color: var(--success);
}

.hero-db__stat-ico--orange {
  background: rgba(201, 125, 16, .10);
  color: var(--warning);
}

.hero-db__stat-val {
  font-size: .88rem;
  font-weight: 800;
  color: var(--cream);
  letter-spacing: -.01em;
}

.hero-db__stat-lbl {
  font-size: .65rem;
  color: var(--cream2);
}

/* Transactions */
.hero-db__txns {
  padding: 14px 22px 16px;
  border-bottom: 1px solid var(--border);
}

.hero-db__txns-title {
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--cream2);
  margin-bottom: 10px;
}

.hero-db__txn {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
}

.hero-db__txn:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.hero-db__txn-ico {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .72rem;
  flex-shrink: 0;
}

.hero-db__txn-ico--green {
  background: rgba(30, 158, 98, .10);
  color: var(--success);
}

.hero-db__txn-ico--blue {
  background: rgba(14, 165, 233, .10);
  color: var(--gold);
}

.hero-db__txn-ico--purple {
  background: rgba(139, 92, 246, .10);
  color: #8b5cf6;
}

.hero-db__txn-info {
  flex: 1;
  min-width: 0;
}

.hero-db__txn-name {
  font-size: .78rem;
  font-weight: 600;
  color: var(--cream);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.hero-db__txn-date {
  font-size: .68rem;
  color: var(--cream2);
  margin-top: 1px;
}

.hero-db__txn-amt {
  font-size: .82rem;
  font-weight: 800;
  white-space: nowrap;
}

.hero-db__txn-amt--credit {
  color: var(--success);
}

.hero-db__txn-amt--debit {
  color: var(--danger);
}

/* Seal footer */
.hero-db__seal {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 22px;
  font-size: .68rem;
  font-weight: 600;
  color: var(--cream2);
  background: var(--navy2);
}

.hero-db__seal i {
  color: var(--gold);
  font-size: .75rem;
}

.hero-db__seal-dot {
  width: 3px;
  height: 3px;
  background: var(--border);
  border-radius: 50%;
}


.page-hero {
  padding: 136px 5% 72px;
  position: relative;
  overflow: hidden;
  background: linear-gradient(to bottom, var(--navy2), var(--navy));
  border-bottom: 1px solid var(--border);
}

.page-hero::before {
  content: '';
  position: absolute;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, .06) 0%, transparent 70%);
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  pointer-events: none;
}

.page-hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: 14px;
}

.page-hero p {
  color: var(--cream2);
  max-width: 500px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8rem;
  color: var(--cream2);
  margin-bottom: 18px;
}

.breadcrumb a {
  color: var(--gold);
  font-weight: 600;
}

.breadcrumb span {
  opacity: .4;
}

.section {
  padding: 72px 5%;
}

.section-sm {
  padding: 48px 5%;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
}

.section-label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-label::before {
  content: '';
  display: block;
  width: 24px;
  height: 1px;
  background: var(--gold);
}

.section-label.center {
  justify-content: center;
}

.section-label.center::before {
  display: none;
}

.section-label.center::after {
  content: '';
  display: block;
  width: 24px;
  height: 1px;
  background: var(--gold);
}

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  margin-bottom: 14px;
  font-weight: 800;
  letter-spacing: -.025em;
}

.section-subtitle {
  color: var(--cream2);
  max-width: 520px;
}

.section-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 36px;
  flex-wrap: wrap;
  gap: 16px;
}

.section-header-center {
  text-align: center;
  max-width: 540px;
  margin: 0 auto 40px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.bg-navy2 {
  background: var(--navy2);
}

.border-top-section {
  border-top: 1px solid var(--border);
}

.divider {
  height: 1px;
  background: linear-gradient(to right, transparent, var(--border), transparent);
}

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}

.card-hover {
  transition: var(--transition);
}

.card-hover:hover {
  border-color: rgba(14, 165, 233, .35);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.card-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--radius-sm);
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--gold);
  margin-bottom: 18px;
}

/* Stat card (dashboard) */
.stat-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
}

.stat-card__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 14px;
}

.stat-card__icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}

.stat-card__label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--cream2);
  margin-bottom: 6px;
}

.stat-card__value {
  font-family: 'Inter', sans-serif;
  font-size: 2rem;
  color: var(--cream);
  font-weight: 700;
}

.stat-card__change {
  font-size: .78rem;
  margin-top: 4px;
}

.stat-card__change.up {
  color: var(--success);
}

.stat-card__change.down {
  color: var(--danger);
}

/* ===== 13. BADGES & TAGS ===== */
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 100px;
  font-size: .73rem;
  font-weight: 700;
}

.badge-gold {
  background: var(--gold-dim);
  color: var(--gold);
  border: 1px solid var(--border);
}

.badge-green {
  background: rgba(76, 168, 126, .12);
  color: var(--success);
  border: 1px solid rgba(76, 168, 126, .2);
}

.badge-red {
  background: rgba(220, 95, 95, .12);
  color: var(--danger);
  border: 1px solid rgba(220, 95, 95, .2);
}

.badge-blue {
  background: rgba(74, 144, 226, .12);
  color: #4A90E2;
  border: 1px solid rgba(74, 144, 226, .2);
}

.badge-orange {
  background: rgba(217, 148, 58, .12);
  color: var(--warning);
  border: 1px solid rgba(217, 148, 58, .2);
}

.tag {
  display: inline-block;
  padding: 4px 11px;
  border-radius: 6px;
  font-size: .75rem;
  font-weight: 700;
  background: var(--gold-dim);
  color: var(--gold);
  border: 1px solid var(--border);
  margin: 3px;
}

/* ===== 14. PROGRESS & CHARTS ===== */
.progress {
  height: 6px;
  background: var(--navy3);
  border-radius: 100px;
  overflow: hidden;
}

.progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold2));
  border-radius: 100px;
}

.progress-bar.success {
  background: linear-gradient(90deg, var(--success), #6BD4A8);
}

.chart-bars {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  height: 110px;
}

.chart-bar-wrap {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
}

.chart-bar {
  width: 100%;
  border-radius: 5px 5px 0 0;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  transition: var(--transition);
  cursor: pointer;
}

.chart-bar:hover,
.chart-bar.active {
  background: linear-gradient(to top, var(--gold), var(--gold2));
  border-color: var(--gold);
}

.chart-label {
  font-size: .65rem;
  color: var(--cream2);
}

/* ===== 15. FOOTER ===== */
footer {
  background: var(--navy2);
  border-top: 1px solid var(--border);
  padding: 56px 5% 28px;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer__brand p {
  color: var(--cream2);
  font-size: .88rem;
  margin-top: 16px;
  line-height: 1.7;
  max-width: 280px;
}

.footer__social {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.footer__social a {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  color: var(--gold);
  transition: var(--transition);
}

.footer__social a:hover {
  background: var(--gold);
  color: var(--navy);
}

.footer__col h4 {
  font-family: 'Inter', sans-serif;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--cream2);
  margin-bottom: 18px;
}

.footer__col ul {
  display: flex;
  flex-direction: column;
  gap: 9px;
}

.footer__col ul a {
  font-size: .88rem;
  color: var(--cream2);
  transition: color var(--transition);
}

.footer__col ul a:hover {
  color: var(--gold);
}

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.footer__bottom p {
  font-size: .78rem;
  color: var(--cream2);
}

/* ===== 16. AUTH PAGES ===== */
.auth-page {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding-top: 70px;
}

.auth-panel-left {
  background: var(--navy2);
  padding: 52px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.auth-panel-left::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, .05) 0%, transparent 70%);
  top: -150px;
  left: -150px;
  pointer-events: none;
}

.auth-panel-right {
  padding: 52px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  background: var(--navy);
}

.auth-form {
  width: 100%;
  max-width: 420px;
}

.auth-form h2 {
  font-size: 2.2rem;
  margin-bottom: 6px;
}

.auth-form>p {
  color: var(--cream2);
  margin-bottom: 28px;
  font-size: .95rem;
}

.social-btns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 18px;
}

.social-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 11px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: var(--navy3);
  color: var(--cream);
  font-size: .88rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.social-btn:hover {
  border-color: var(--gold);
  background: var(--card);
}

.auth-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 16px 0;
}

.auth-divider::before,
.auth-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

.auth-divider span {
  font-size: .75rem;
  color: var(--cream2);
  white-space: nowrap;
}

.auth-link {
  font-size: .88rem;
  color: var(--cream2);
  text-align: center;
  margin-top: 18px;
}

.auth-link a {
  color: var(--gold);
  font-weight: 700;
}

.auth-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 44px;
}

.auth-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.auth-feature-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .95rem;
  flex-shrink: 0;
}

.auth-feature-text h4 {
  font-family: 'Inter', sans-serif;
  font-size: .92rem;
  font-weight: 700;
  margin-bottom: 2px;
}

.auth-feature-text p {
  font-size: .8rem;
  color: var(--cream2);
}

.auth-bottom {
  margin-top: auto;
  padding-top: 40px;
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 14px;
}

.auth-avatar-stack {
  display: flex;
}

.auth-avatar-stack span {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--navy2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  margin-left: -8px;
  color: var(--gold);
}

.auth-avatar-stack span:first-child {
  margin-left: 0;
}

.benefit-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.benefit-item {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: .88rem;
  color: var(--cream2);
}

.benefit-item i {
  color: var(--gold);
  font-size: .75rem;
}

/* ===== 17. DASHBOARD ===== */
.dash-layout {
  display: flex;
  min-height: 100vh;
  padding-top: 70px;
}

.dash-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, .65);
  z-index: 997;
}

.dash-overlay.open {
  display: block;
}

.dash-sidebar {
  width: var(--sidebar-w);
  min-height: calc(100vh - 70px);
  background: var(--navy2);
  border-right: 1px solid var(--border);
  position: fixed;
  top: 70px;
  left: 0;
  overflow-y: auto;
  z-index: 998;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition);
}

.dash-sidebar__brand {
  padding: 22px 20px 18px;
  border-bottom: 1px solid var(--border);
}

.dash-sidebar__brand .navbar__logo {
  font-size: 1.2rem;
}

.dash-nav {
  padding: 12px 0;
  flex: 1;
}

.dash-nav__label {
  padding: 12px 20px 6px;
  font-size: .67rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--cream2);
  opacity: .6;
}

.dash-nav a {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 10px 20px;
  font-size: .875rem;
  font-weight: 600;
  color: var(--cream2);
  transition: var(--transition);
}

.dash-nav a i {
  width: 18px;
  text-align: center;
  font-size: .9rem;
}

.dash-nav a:hover {
  color: var(--cream);
  background: rgba(27, 42, 68, .05);
}

.dash-nav a.active {
  color: var(--gold);
  background: var(--gold-dim);
  border-right: 2px solid var(--gold);
}

.dash-sidebar__footer {
  padding: 16px 20px;
  border-top: 1px solid var(--border);
}

.dash-main {
  margin-left: var(--sidebar-w);
  flex: 1;
  padding: 32px 4%;
  min-width: 0;
}

.dash-topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 28px;
  gap: 16px;
  flex-wrap: wrap;
}

.dash-topbar__greeting h1 {
  font-size: 1.65rem;
}

.dash-topbar__greeting p {
  color: var(--cream2);
  font-size: .875rem;
  margin-top: 2px;
}

.dash-topbar__actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.dash-notif-btn {
  position: relative;
  width: 38px;
  height: 38px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--cream2);
  font-size: .95rem;
  cursor: pointer;
  transition: var(--transition);
}

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

.notif-dot {
  position: absolute;
  top: 6px;
  right: 6px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  border: 1.5px solid var(--navy2);
}

.user-chip-wrap {
  position: relative;
}

.user-chip {
  display: flex;
  align-items: center;
  gap: 9px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 5px 14px 5px 5px;
  cursor: pointer;
  transition: var(--transition);
}

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

.user-chip.open {
  border-color: var(--gold);
}

.user-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  color: var(--gold);
}

.user-chip__name {
  font-size: .82rem;
  font-weight: 700;
}

.user-chip__role {
  font-size: .68rem;
  color: var(--cream2);
}

.user-chip__caret {
  font-size: .6rem;
  color: var(--cream2);
  transition: transform var(--transition);
  margin-left: 2px;
}

.user-chip.open .user-chip__caret {
  transform: rotate(180deg);
}

.user-dropdown {
  display: none;
  flex-direction: column;
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 196px;
  z-index: 1002;
  overflow: hidden;
}

.user-dropdown.open {
  display: flex;
}

.user-dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 16px;
  font-size: .875rem;
  color: var(--cream2);
  transition: var(--transition);
}

.user-dropdown a:hover {
  background: var(--navy2);
  color: var(--cream);
}

.user-dropdown a i {
  width: 16px;
  text-align: center;
  font-size: .85rem;
}

.user-dropdown a.dropdown-danger {
  color: var(--danger);
}

.user-dropdown a.dropdown-danger:hover {
  background: rgba(217, 53, 53, .06);
}

.user-dropdown__divider {
  height: 1px;
  background: var(--border);
  margin: 4px 0;
}

/* Loan card mini (inside dashboard) */
.loan-card-mini {
  background: var(--navy3);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
}

.loan-card-mini__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.loan-card-mini__header h4 {
  font-family: 'Inter', sans-serif;
  font-size: .92rem;
  font-weight: 700;
}

.loan-card-mini__meta {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 12px;
}

.loan-meta-item .meta-label {
  font-size: .68rem;
  color: var(--cream2);
  margin-bottom: 2px;
}

.loan-meta-item .meta-value {
  font-size: .88rem;
  font-weight: 700;
}

.loan-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: .72rem;
  color: var(--cream2);
  margin-bottom: 5px;
}

/* Quick actions */
.quick-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.quick-action-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 18px 12px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.quick-action-btn:hover {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.quick-action-btn i {
  font-size: 1.3rem;
  color: var(--gold);
}

.quick-action-btn span {
  font-size: .75rem;
  color: var(--cream2);
  font-weight: 600;
}

/* Recent activity */
.activity-list {
  display: flex;
  flex-direction: column;
}

.activity-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 13px 0;
  border-bottom: 1px solid var(--border);
}

.activity-item:last-child {
  border-bottom: none;
}

.activity-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .88rem;
  flex-shrink: 0;
}

.activity-label {
  font-size: .875rem;
  font-weight: 600;
  margin-bottom: 1px;
}

.activity-date {
  font-size: .72rem;
  color: var(--cream2);
}

.activity-amount {
  margin-left: auto;
  font-size: .9rem;
  font-weight: 700;
  white-space: nowrap;
}

/* Credit donut */
.donut-ring {
  width: 120px;
  height: 120px;
  position: relative;
  margin: 0 auto 16px;
}

.donut-ring svg {
  transform: rotate(-90deg);
}

.donut-center {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}

.donut-center .score {
  font-family: 'Inter', sans-serif;
  font-size: 1.6rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1;
}

.donut-center .label {
  font-size: .62rem;
  color: var(--cream2);
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* Data table */
.data-table {
  width: 100%;
  border-collapse: collapse;
}

.data-table th {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--cream2);
  padding: 11px 14px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

.data-table td {
  padding: 13px 14px;
  font-size: .875rem;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}

.data-table tr:hover td {
  background: rgba(14, 165, 233, .04);
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table .actions {
  display: flex;
  gap: 6px;
}

/* Active loans + chart 2-col grid */
.grid-loans {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

/* Flex utility */
.flex-1 {
  flex: 1;
}

/* Sidebar logo — desktop hidden, mobile visible */
.dash-sidebar__logo {
  display: none;
  align-items: center;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  flex-shrink: 0;
}

/* Dashboard mobile toggle */
.dash-menu-btn {
  display: none;
  width: 36px;
  height: 36px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  align-items: center;
  justify-content: center;
  color: var(--cream2);
  font-size: .9rem;
  cursor: pointer;
  transition: var(--transition);
}

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

/* ===== 18. MY LOANS PAGE ===== */
.loans-filter-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}

.filter-tab {
  padding: 8px 18px;
  border-radius: 100px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--cream2);
  font-size: .82rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

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

.filter-tab.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.loans-search {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-left: auto;
}

.loans-search .form-control {
  width: 220px;
  padding: 9px 14px;
  font-size: .85rem;
}

.loan-type-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .85rem;
  flex-shrink: 0;
}

/* ===== 19. LOAN APPLY ===== */
.apply-layout {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 36px;
  align-items: start;
}

.steps-bar {
  display: flex;
  align-items: center;
  max-width: 680px;
  margin: 0 auto 40px;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
}

.step-item::after {
  content: '';
  position: absolute;
  top: 17px;
  left: 50%;
  width: 100%;
  height: 1px;
  background: var(--border);
  z-index: 0;
}

.step-item:last-child::after {
  display: none;
}

.step-circle {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy3);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .78rem;
  font-weight: 700;
  position: relative;
  z-index: 1;
  transition: var(--transition);
}

.step-item.active .step-circle {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

.step-item.done .step-circle {
  background: var(--success);
  border-color: var(--success);
  color: #fff;
}

.step-label {
  font-size: .72rem;
  color: var(--cream2);
  margin-top: 7px;
  text-align: center;
}

.step-item.active .step-label {
  color: var(--gold);
  font-weight: 700;
}

.step-form {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.step-form h3 {
  font-size: 1.5rem;
  margin-bottom: 5px;
}

.step-form>p {
  color: var(--cream2);
  margin-bottom: 24px;
  font-size: .92rem;
}

.loan-type-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}

.lt-option {
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.lt-option input[type=radio] {
  display: none;
}

.lt-option:hover,
.lt-option.selected {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.lt-option .lt-icon {
  font-size: 1.7rem;
  color: var(--gold);
  margin-bottom: 8px;
}

.lt-option .lt-name {
  font-weight: 700;
  font-size: .9rem;
  margin-bottom: 3px;
}

.lt-option .lt-rate {
  font-size: .78rem;
  color: var(--gold);
}

.form-step-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}

.form-step-footer .step-of {
  font-size: .8rem;
  color: var(--cream2);
}

.upload-zone {
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}

.upload-zone:hover {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.upload-zone i {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 10px;
}

.upload-zone p {
  color: var(--cream2);
  font-size: .85rem;
}

.upload-zone strong {
  color: var(--gold);
}

.apply-summary {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  position: sticky;
  top: 90px;
}

.apply-summary h3 {
  font-size: 1rem;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 16px;
}

.summary-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: .875rem;
}

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

.summary-row span {
  color: var(--cream2);
}

.summary-row strong {
  color: var(--cream);
}

.apply-checklist {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: .82rem;
  color: var(--cream2);
}

.checklist-item i {
  color: var(--gold);
  font-size: .75rem;
  margin-top: 2px;
}

.success-panel {
  text-align: center;
  padding: 44px 28px;
}

.success-panel .success-icon {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: rgba(76, 168, 126, .1);
  border: 2px solid var(--success);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  color: var(--success);
  margin: 0 auto 22px;
}

.success-panel h3 {
  font-size: 2rem;
  margin-bottom: 10px;
}

.success-panel p {
  color: var(--cream2);
  margin-bottom: 24px;
  line-height: 1.7;
}

.ref-box {
  background: var(--navy3);
  border-radius: var(--radius);
  padding: 14px 20px;
  display: inline-block;
  margin-bottom: 28px;
  text-align: center;
}

.ref-box .ref-label {
  font-size: .72rem;
  color: var(--cream2);
  margin-bottom: 4px;
}

.ref-box .ref-num {
  font-family: 'Inter', sans-serif;
  font-size: 1.5rem;
  color: var(--gold);
  font-weight: 700;
}

/* ===== 20. HOME PAGE ===== */
.partners-strip {
  background: var(--navy2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 28px 5%;
}

.partners-strip p {
  text-align: center;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--cream2);
  margin-bottom: 28px;
}

.partners-list {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.partner-name {
  font-family: 'Inter', sans-serif;
  font-size: 1.15rem;
  color: var(--cream2);
  opacity: .45;
  font-weight: 700;
  letter-spacing: .06em;
  transition: var(--transition);
}

.partner-name:hover {
  opacity: .85;
  color: var(--gold);
}

.loan-types-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.loan-type-card {
  padding: 26px 18px;
  text-align: center;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: var(--transition);
}

.loan-type-card:hover {
  border-color: var(--gold);
  background: var(--gold-dim);
  transform: translateY(-3px);
}

.loan-type-card .lt-icon {
  font-size: 1.7rem;
  color: var(--gold);
  margin-bottom: 12px;
}

.loan-type-card h3 {
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 5px;
}

.loan-type-card p {
  font-size: .78rem;
  color: var(--cream2);
  margin-bottom: 10px;
}

.loan-type-card .rate {
  font-family: 'Inter', sans-serif;
  font-size: 1.4rem;
  color: var(--gold);
  font-weight: 700;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.feature-card {
  padding: 32px 26px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}

.feature-card:hover {
  border-color: rgba(14, 165, 233, .38);
  transform: translateY(-3px);
}

.feature-card .feat-icon {
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: 18px;
}

.feature-card h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.feature-card p {
  color: var(--cream2);
  font-size: .88rem;
  line-height: 1.7;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 30px;
  left: 12%;
  right: 12%;
  height: 1px;
  background: linear-gradient(to right, var(--border), var(--gold), var(--border));
  pointer-events: none;
}

.process-step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.process-num {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--navy2);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Inter', sans-serif;
  font-size: 1.4rem;
  color: var(--gold);
  font-weight: 700;
  margin: 0 auto 18px;
}

.process-step h4 {
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.process-step p {
  font-size: .82rem;
  color: var(--cream2);
}

.calc-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 52px;
  align-items: center;
}

.calc-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  padding: 13px 0;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
}

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

.calc-result-row strong {
  color: var(--gold);
  font-size: .95rem;
  font-weight: 700;
}

.range-group {
  margin-bottom: 22px;
}

.range-header {
  display: flex;
  justify-content: space-between;
  margin-bottom: 8px;
}

.range-header span {
  font-size: .78rem;
  color: var(--cream2);
}

.range-header strong {
  font-size: .92rem;
  color: var(--gold);
  font-weight: 700;
}

input[type=range] {
  width: 100%;
  height: 4px;
  background: var(--navy3);
  border-radius: 100px;
  outline: none;
  cursor: pointer;
  -webkit-appearance: none;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 3px rgba(14, 165, 233, .2);
  cursor: pointer;
}

.range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: .68rem;
  color: var(--cream2);
  margin-top: 4px;
}

.testimonial-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}

.testimonial-card .quote {
  font-family: 'Inter', sans-serif;
  font-size: 3rem;
  color: var(--gold);
  line-height: .8;
  margin-bottom: 12px;
}

.testimonial-text {
  color: var(--cream2);
  font-size: .9rem;
  line-height: 1.75;
  margin-bottom: 22px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  color: var(--gold);
}

.testimonial-name {
  font-weight: 700;
  font-size: .9rem;
}

.testimonial-role {
  font-size: .75rem;
  color: var(--cream2);
}

.testimonial-stars {
  color: var(--gold);
  font-size: .8rem;
  margin-bottom: 3px;
}

.cta-section {
  text-align: center;
  padding: 80px 5%;
  background: linear-gradient(135deg, var(--navy2), var(--navy));
  position: relative;
  overflow: hidden;
  border-top: 1px solid var(--border);
}

.cta-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, .05) 0%, transparent 70%);
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  pointer-events: none;
}

.cta-section>* {
  position: relative;
  z-index: 1;
}

.cta-section h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  max-width: 620px;
  margin: 0 auto 18px;
}

.cta-section p {
  color: var(--cream2);
  max-width: 460px;
  margin: 0 auto 32px;
}

/* ===== 21. BLOG ===== */
.blog-featured-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 24px;
  margin-bottom: 52px;
}

.blog-featured-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: block;
  color: inherit;
}

.blog-featured-card:hover {
  border-color: rgba(14, 165, 233, .3);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.blog-featured-img {
  height: 260px;
  background: linear-gradient(135deg, var(--navy2), var(--navy3));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
  color: var(--gold);
  position: relative;
  overflow: hidden;
}

.blog-featured-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, transparent 50%, var(--card));
}

.blog-featured-body {
  padding: 24px;
}

.blog-featured-title {
  font-size: 1.4rem;
  margin-bottom: 10px;
  line-height: 1.3;
}

.blog-sidebar-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.blog-sidebar-header {
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--cream2);
}

.blog-sidebar-item {
  display: flex;
  gap: 14px;
  padding: 14px 20px;
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
  text-decoration: none;
  color: inherit;
}

.blog-sidebar-item:last-child {
  border-bottom: none;
}

.blog-sidebar-item:hover {
  background: var(--gold-dim);
}

.blog-sidebar-thumb {
  width: 56px;
  height: 56px;
  border-radius: 8px;
  background: var(--navy3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--gold);
  flex-shrink: 0;
}

.blog-sidebar-item h4 {
  font-family: 'Inter', sans-serif;
  font-size: .875rem;
  font-weight: 700;
  line-height: 1.4;
  margin-bottom: 3px;
}

.blog-sidebar-item p {
  font-size: .72rem;
  color: var(--cream2);
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.blog-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: block;
  color: inherit;
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: rgba(14, 165, 233, .3);
}

.blog-card-img {
  height: 190px;
  background: linear-gradient(135deg, var(--navy3), var(--card2));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.8rem;
  color: var(--gold);
}

.blog-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: inherit;
}

.blog-card-body {
  padding: 22px;
}

.blog-card-cat {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gold);
  margin-bottom: 8px;
}

.blog-card-title {
  font-size: 1.1rem;
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card-excerpt {
  font-size: .85rem;
  color: var(--cream2);
  line-height: 1.65;
  margin-bottom: 14px;
}

.blog-card-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: .75rem;
  color: var(--cream2);
}

.filter-bar {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.filter-btn {
  padding: 8px 18px;
  border-radius: 100px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--cream2);
  font-size: .8rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

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

.filter-btn.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.newsletter-box {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  text-align: center;
  margin-top: 56px;
}

.newsletter-box h3 {
  font-size: 1.7rem;
  margin-bottom: 10px;
}

.newsletter-box p {
  color: var(--cream2);
  margin-bottom: 22px;
}

.newsletter-form {
  display: flex;
  gap: 10px;
  max-width: 440px;
  margin: 0 auto;
}

.newsletter-form .form-control {
  flex: 1;
}

/* ===== 22. BLOG DETAILS ===== */
.blog-detail-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 52px;
  align-items: start;
}

.reading-progress {
  position: fixed;
  top: 70px;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--border);
  z-index: 999;
}

.reading-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold2));
  width: 0%;
}

.article-hero-img {
  width: 100%;
  height: 360px;
  background: linear-gradient(135deg, var(--navy2), var(--card2));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  color: var(--gold);
  margin-bottom: 32px;
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}

.article-hero-img::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 50% at 60% 40%, rgba(14, 165, 233, .07) 0%, transparent 70%);
}

.article-body {
  font-size: .97rem;
  line-height: 1.85;
}

.article-body h2 {
  font-size: 1.6rem;
  margin: 32px 0 14px;
}

.article-body h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin: 24px 0 10px;
  color: var(--gold);
}

.article-body p {
  margin-bottom: 18px;
  color: var(--cream2);
}

.article-body ul,
.article-body ol {
  margin: 0 0 18px 24px;
}

.article-body li {
  margin-bottom: 7px;
  color: var(--cream2);
}

.article-body blockquote {
  border-left: 3px solid var(--gold);
  padding: 14px 22px;
  background: var(--gold-dim);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 24px 0;
  font-style: italic;
  font-size: 1.04rem;
}

.article-body strong {
  color: var(--cream);
}

.article-body a {
  color: var(--gold);
  text-decoration: underline;
}

.article-callout {
  background: var(--navy2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  margin: 26px 0;
}

.article-callout h4 {
  font-family: 'Inter', sans-serif;
  margin-bottom: 7px;
  color: var(--gold);
  font-size: .95rem;
  font-weight: 700;
}

.author-card {
  display: flex;
  gap: 16px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px;
  margin-top: 40px;
}

.author-ava {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--gold);
  flex-shrink: 0;
}

.author-info h4 {
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 3px;
}

.author-info p {
  font-size: .83rem;
  color: var(--cream2);
  line-height: 1.6;
}

.share-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}

.share-btn {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 8px 14px;
  border-radius: 7px;
  border: 1px solid var(--border);
  background: var(--navy3);
  color: var(--cream2);
  font-size: .8rem;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

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

.article-sidebar {
  position: sticky;
  top: 92px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.toc-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px;
}

.toc-card h4 {
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--cream2);
  margin-bottom: 14px;
}

.toc-list {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.toc-list a {
  font-size: .85rem;
  color: var(--cream2);
  display: flex;
  align-items: center;
  gap: 7px;
  transition: color var(--transition);
}

.toc-list a:hover {
  color: var(--gold);
}

.toc-list a i {
  font-size: .7rem;
  color: var(--gold);
}

.related-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px;
}

.related-card h4 {
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--cream2);
  margin-bottom: 14px;
}

.related-item {
  display: flex;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
  color: inherit;
}

.related-item:last-child {
  border-bottom: none;
}

.related-thumb {
  width: 48px;
  height: 48px;
  border-radius: 8px;
  background: var(--navy3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--gold);
  flex-shrink: 0;
}

.related-item h5 {
  font-family: 'Inter', sans-serif;
  font-size: .83rem;
  font-weight: 700;
  line-height: 1.4;
  margin-bottom: 2px;
}

.related-item p {
  font-size: .7rem;
  color: var(--cream2);
}

.about-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  gap: 60px;
}

.visual-block {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
}

.visual-block::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 32px;
  right: 32px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold2));
  border-radius: 100px;
}

.value-item {
  display: flex;
  gap: 18px;
  margin-bottom: 28px;
}

.value-num {
  font-family: 'Inter', sans-serif;
  font-size: 2.2rem;
  color: var(--gold);
  line-height: 1;
  min-width: 44px;
  font-weight: 700;
}

.value-text h4 {
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 5px;
}

.value-text p {
  color: var(--cream2);
  font-size: .88rem;
  line-height: 1.7;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}

.team-card {
  text-align: center;
}

.team-avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 3px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--gold);
  margin: 0 auto 14px;
  transition: var(--transition);
}

.team-card:hover .team-avatar {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(14, 165, 233, .12);
}

.team-card h4 {
  font-family: 'Inter', sans-serif;
  font-size: .92rem;
  font-weight: 700;
  margin-bottom: 3px;
}

.team-card .role {
  font-size: .78rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 7px;
}

.team-card .bio {
  font-size: .77rem;
  color: var(--cream2);
  line-height: 1.6;
}

.milestones {
  position: relative;
  padding-left: 28px;
}

.milestones::before {
  content: '';
  position: absolute;
  left: 6px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  background: linear-gradient(to bottom, var(--gold), rgba(14, 165, 233, .1));
}

.milestone {
  position: relative;
  margin-bottom: 32px;
}

.milestone::before {
  content: '';
  position: absolute;
  left: -26px;
  top: 7px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--navy);
}

.milestone-year {
  font-family: 'Inter', sans-serif;
  font-size: 1.25rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 3px;
}

.milestone h4 {
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 5px;
}

.milestone p {
  font-size: .85rem;
  color: var(--cream2);
  line-height: 1.6;
}

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

.award-item {
  text-align: center;
  padding: 26px 18px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}

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

.award-item .award-icon {
  font-size: 1.8rem;
  color: var(--gold);
  margin-bottom: 10px;
}

.award-item h4 {
  font-family: 'Inter', sans-serif;
  font-size: .88rem;
  font-weight: 700;
  margin-bottom: 3px;
}

.award-item p {
  font-size: .75rem;
  color: var(--cream2);
}

/* ===== 24. CONTACT ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 56px;
  align-items: start;
}

.contact-info-item {
  display: flex;
  gap: 14px;
  margin-bottom: 24px;
  align-items: flex-start;
}

.contact-info-icon {
  width: 46px;
  height: 46px;
  border-radius: 11px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}

.contact-info-item h4 {
  font-family: 'Inter', sans-serif;
  font-size: .85rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.contact-info-item p {
  font-size: .85rem;
  color: var(--cream2);
  line-height: 1.65;
}

.map-placeholder {
  height: 300px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: 40px;
}

.map-placeholder i {
  font-size: 2.2rem;
  color: var(--gold);
}

.map-placeholder p {
  font-size: .88rem;
  color: var(--cream2);
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  color: var(--cream);
  text-align: left;
  padding: 18px 0;
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: 'Inter', sans-serif;
}

.faq-question .faq-arrow {
  color: var(--gold);
  font-size: .75rem;
  transition: transform var(--transition);
}

.faq-item.open .faq-arrow {
  transform: rotate(180deg);
}

.faq-answer {
  color: var(--cream2);
  font-size: .9rem;
  line-height: 1.75;
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease, padding .4s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding-bottom: 18px;
}

.channel-card {
  text-align: center;
  padding: 30px 18px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}

.channel-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.channel-card .ch-icon {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 14px;
}

.channel-card h4 {
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 6px;
}

.channel-card p {
  font-size: .82rem;
  color: var(--cream2);
  margin-bottom: 14px;
  line-height: 1.6;
}

.channel-card .response {
  font-size: .73rem;
  color: var(--gold);
  font-weight: 700;
}

/* ===== 25. BACK TO TOP ===== */
.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 900;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--cream);
  color: #fff;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  box-shadow: 0 4px 18px rgba(27, 42, 68, .18);
  opacity: 0;
  transform: translateY(10px);
  pointer-events: none;
  transition: opacity .25s ease, transform .25s ease, background var(--transition), box-shadow var(--transition);
}

.back-to-top.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.back-to-top:hover {
  background: var(--gold);
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(14, 165, 233, .4);
}

/* ===== 26. METRICS BAR ===== */
.metrics-bar {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.metrics-row {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
}

.metric-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 28px 16px;
  border-right: 1px solid var(--border);
}

.metric-item:last-child {
  border-right: none;
}

.metric-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--gold-dim);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .8rem;
  margin-bottom: 10px;
}

.metric-val {
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--cream);
  line-height: 1;
  margin-bottom: 4px;
}

.metric-label {
  font-size: .67rem;
  color: var(--cream2);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .07em;
}

/* ===== 27. COMPARE SECTION ===== */
.compare-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.compare-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.compare-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.ci-check {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
  background: rgba(30, 158, 98, .1);
  border: 1px solid rgba(30, 158, 98, .22);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--success);
  font-size: .6rem;
}

.compare-item strong {
  font-size: .9rem;
  font-weight: 700;
  display: block;
  margin-bottom: 3px;
}

.compare-item p {
  font-size: .82rem;
  color: var(--cream2);
  line-height: 1.65;
  margin: 0;
}

.compare-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.compare-head {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  padding: 14px 18px;
  background: var(--navy2);
  border-bottom: 1px solid var(--border);
  gap: 6px;
  align-items: center;
}

.ch-ttl {
  font-size: .67rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--cream2);
}

.ct-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: .69rem;
  font-weight: 700;
}

.ct-chip.danger {
  background: rgba(217, 53, 53, .08);
  color: var(--danger);
  border: 1px solid rgba(217, 53, 53, .1);
}

.ct-chip.good {
  background: var(--gold-dim);
  color: var(--gold);
  border: 1px solid rgba(14, 165, 233, .18);
}

.compare-row {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  padding: 12px 18px;
  border-bottom: 1px solid var(--border);
  gap: 6px;
  align-items: center;
}

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

.cr-feat {
  font-size: .8rem;
  color: var(--cream2);
}

.cr-no {
  font-size: .78rem;
  font-weight: 700;
  color: var(--danger);
  text-align: center;
}

.cr-yes {
  font-size: .78rem;
  font-weight: 700;
  color: var(--success);
  text-align: center;
}

/* ===== 28. PAGINATION ===== */
.pagination {
  display: flex;
  justify-content: center;
  gap: 6px;
  margin-top: 40px;
}

.page-btn {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--cream2);
  font-size: .85rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
  display: flex;
  align-items: center;
  justify-content: center;
}

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

.page-btn.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.page-btn-text {
  padding: 8px 14px;
  width: auto;
}

/* ===== 26. ANIMATIONS ===== */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(22px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeIn {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

@keyframes pulse {

  0%,
  100% {
    box-shadow: 0 0 0 0 rgba(14, 165, 233, .3);
  }

  50% {
    box-shadow: 0 0 0 10px rgba(14, 165, 233, 0);
  }
}

@keyframes shimmer {
  0% {
    background-position: -200% 0;
  }

  100% {
    background-position: 200% 0;
  }
}

.fade-up {
  animation: fadeUp .6s ease both;
}

.delay-1 {
  animation-delay: .1s;
}

.delay-2 {
  animation-delay: .2s;
}

.delay-3 {
  animation-delay: .32s;
}

.delay-4 {
  animation-delay: .44s;
}

/* ===== 27. RESPONSIVE ===== */
@media (max-width: 1100px) {

  .grid-4,
  .loan-types-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 110px 5% 70px;
    gap: 0;
  }

  .hero__content {
    max-width: 100%;
  }

  .hero__visual {
    display: none;
  }

  .hero__actions {
    justify-content: center;
  }

  .hero__trust-row {
    justify-content: center;
  }

  .hero__stats {
    justify-content: center;
  }

  .hero__stat {
    text-align: center;
    border-right: none;
    padding-right: 0;
    margin-right: 0;
    border-bottom: 1px solid var(--border);
    padding-bottom: 16px;
    margin-bottom: 16px;
    width: 100%;
    min-width: 0;
  }

  .hero__stat:last-child {
    border-bottom: none;
    padding-bottom: 0;
    margin-bottom: 0;
  }

  .hero__subtitle {
    max-width: 100%;
  }

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

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

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

  .about-split {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .apply-layout {
    grid-template-columns: 1fr;
  }

  .apply-summary {
    position: static;
  }

  .blog-featured-grid {
    grid-template-columns: 1fr;
  }

  .blog-detail-layout {
    grid-template-columns: 1fr;
  }

  .article-sidebar {
    position: static;
  }

  .auth-panel-left {
    display: none;
  }

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

  .auth-panel-right {
    padding: 88px 32px;
  }
}

@media (max-width: 900px) {
  .features-grid {
    grid-template-columns: 1fr 1fr;
  }

  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

  .process-grid::before {
    display: none;
  }

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

@media (max-width: 768px) {

  .navbar__links,
  .navbar__actions {
    display: none;
  }

  .navbar__hamburger {
    display: flex;
  }

  .dash-sidebar {
    transform: translateX(-100%);
  }

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

  .dash-main {
    margin-left: 0;
    padding: 20px 4%;
  }

  .dash-menu-btn {
    display: flex;
  }

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

  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .quick-actions {
    grid-template-columns: repeat(2, 1fr);
  }

  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

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

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

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer__bottom {
    flex-direction: column;
    gap: 10px;
    text-align: center;
  }

  .steps-bar {
    gap: 4px;
  }

  .step-label {
    display: none;
  }

  .newsletter-form {
    flex-direction: column;
  }

  .loans-filter-bar {
    flex-wrap: wrap;
  }

  .loans-search {
    margin-left: 0;
    width: 100%;
  }

  .loans-search .form-control {
    width: 100%;
  }

  .data-table td,
  .data-table th {
    padding: 10px 10px;
    font-size: .78rem;
  }

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

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

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

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

  .auth-panel-right {
    padding: 100px 20px 60px;
  }

  /* ── Dashboard mobile ── */

  /* Hide navbar logo on dashboard pages (hamburger btn is always before it) */
  .dash-menu-btn~.navbar__logo {
    display: none;
  }

  /* Show logo inside sidebar drawer on mobile */
  .dash-sidebar__logo {
    display: flex;
  }

  /* Topbar heading */
  .dash-topbar__greeting h1 {
    font-size: 1.2rem;
  }

  .dash-topbar__greeting p {
    font-size: .8rem;
  }

  /* Topbar action button goes full width on narrow screens */
  .dash-topbar .btn {
    align-self: stretch;
    justify-content: center;
  }

  /* Stat cards — tighter values */
  .stat-card {
    padding: 16px;
  }

  .stat-card__value {
    font-size: 1.5rem;
  }

  /* grid-3 used inside loan detail cards */
  .card .grid-3 {
    grid-template-columns: 1fr 1fr;
  }

  /* Loan mini card meta 3-col → 2-col */
  .loan-card-mini__meta {
    grid-template-columns: 1fr 1fr;
  }

  /* Filter tabs wrap neatly */
  .filter-tab {
    font-size: .78rem;
    padding: 6px 14px;
  }

  /* User chip — show only avatar */
  .user-chip__text {
    display: none;
  }

  .user-chip {
    padding: 5px 10px 5px 5px;
    gap: 6px;
  }

  .user-chip__caret {
    display: none;
  }

  .user-dropdown {
    right: 0;
  }
}

@media (max-width: 480px) {
  .hero {
    padding: 90px 4% 48px;
  }

  .section {
    padding: 56px 4%;
  }

  .grid-4,
  .loan-types-grid {
    grid-template-columns: 1fr 1fr;
  }

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

  .social-btns {
    grid-template-columns: 1fr;
  }

  .dash-topbar {
    flex-direction: column;
    align-items: flex-start;
  }

  /* ── Dashboard 480px ── */
  .stat-card__value {
    font-size: 1.25rem;
  }

  .dash-topbar__greeting h1 {
    font-size: 1.05rem;
  }

  .dash-main {
    padding: 16px 4%;
  }

  .card {
    padding: 18px 16px;
  }

  .quick-actions {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }

  .quick-action-btn {
    padding: 14px 8px;
  }

  .quick-action-btn span {
    font-size: .7rem;
  }

  .steps-bar {
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .apply-layout {
    gap: 20px;
  }
}

@media (max-width: 900px) {
  .metrics-row {
    grid-template-columns: repeat(3, 1fr);
  }

  .metric-item:nth-child(3) {
    border-right: none;
  }

  .compare-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 600px) {
  .metrics-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .metric-item:nth-child(2),
  .metric-item:nth-child(4) {
    border-right: none;
  }

  .compare-head,
  .compare-row {
    grid-template-columns: 1.2fr .9fr .9fr;
    padding: 10px 14px;
  }

  .back-to-top {
    bottom: 18px;
    right: 18px;
    width: 40px;
    height: 40px;
  }
}

/* ===== 29. OTP / 2FA ===== */
.otp-group {
  display: flex;
  gap: 10px;
  justify-content: center;
  margin: 4px 0 28px;
}

.otp-input {
  width: 52px;
  height: 60px;
  text-align: center;
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: .05em;
  background: var(--card2);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  color: var(--cream);
  outline: none;
  caret-color: var(--gold);
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
}

.otp-input:focus {
  border-color: var(--gold);
  background: var(--card);
  box-shadow: 0 0 0 3px rgba(14, 165, 233, .12);
}

.otp-input.filled {
  border-color: var(--gold);
}

.resend-row {
  text-align: center;
  margin-top: 8px;
}

.resend-btn {
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gold);
  transition: var(--transition);
}

.resend-btn:disabled {
  color: var(--cream2);
  cursor: default;
}

.resend-timer {
  font-size: .82rem;
  color: var(--cream2);
}

.tfa-info-box {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  background: var(--navy2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 28px;
}

.tfa-info-box i {
  color: var(--gold);
  font-size: .9rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.tfa-info-box p {
  font-size: .82rem;
  color: var(--cream2);
  line-height: 1.6;
  margin: 0;
}

/* ===== 30. PAYMENT METHODS ===== */
.pm-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.pm-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}

.pm-card:hover {
  border-color: rgba(14, 165, 233, .35);
  box-shadow: var(--shadow-sm);
}

.pm-card.pm-default {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.pm-logo {
  width: 54px;
  height: 36px;
  border-radius: 6px;
  background: var(--navy2);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}

.pm-info {
  flex: 1;
  min-width: 0;
}

.pm-name {
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: 2px;
}

.pm-sub {
  font-size: .75rem;
  color: var(--cream2);
}

.pm-badge {
  background: var(--gold-dim);
  color: var(--gold);
  border: 1px solid rgba(14, 165, 233, .2);
  border-radius: 100px;
  padding: 2px 10px;
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .03em;
}

.pm-actions {
  display: flex;
  gap: 8px;
  flex-shrink: 0;
  align-items: center;
}

.add-pm-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 15px 20px;
  background: transparent;
  border: 1.5px dashed var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
  width: 100%;
  text-align: left;
}

.add-pm-card:hover {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.add-pm-card .add-pm-ico {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--gold-dim);
  border: 1px solid rgba(14, 165, 233, .2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .85rem;
  flex-shrink: 0;
}

.add-pm-card .add-pm-text {
  font-size: .88rem;
  font-weight: 600;
  color: var(--cream);
}

.add-pm-card .add-pm-sub {
  font-size: .73rem;
  color: var(--cream2);
  margin-top: 1px;
}

/* grid-loans: payment page uses wider left column */
.grid-loans.grid-loans--wide {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 24px;
}

/* payment gateways strip */
.gw-strip {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  align-items: center;
}

.gw-pill {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 8px 16px;
  border-radius: 8px;
  background: var(--navy2);
  border: 1px solid var(--border);
  font-size: .72rem;
  font-weight: 700;
  color: var(--cream2);
  letter-spacing: .04em;
  transition: var(--transition);
}

.gw-pill:hover {
  border-color: var(--gold);
  color: var(--cream);
}

.gw-pill i {
  font-size: 1rem;
}

/* auth steps (forgot password) */
.auth-steps {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-top: 32px;
}

.auth-step {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.auth-step-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  flex-shrink: 0;
  background: var(--gold-dim);
  border: 1px solid rgba(14, 165, 233, .25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .72rem;
  font-weight: 800;
  color: var(--gold);
}

.auth-step h5 {
  font-size: .85rem;
  font-weight: 700;
  margin-bottom: 2px;
}

.auth-step p {
  font-size: .78rem;
  color: var(--cream2);
  line-height: 1.5;
  margin: 0;
}

/* auth-feature-item (existing login page component used also in reset pages) */
.auth-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 36px;
  flex: 1;
}

.auth-feature-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.auth-feature-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--gold-dim);
  border: 1px solid rgba(14, 165, 233, .2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .85rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.auth-feature-text h4 {
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: 3px;
}

.auth-feature-text p {
  font-size: .78rem;
  color: var(--cream2);
  line-height: 1.55;
  margin: 0;
}

.auth-bottom {
  margin-top: auto;
  padding-top: 32px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.auth-avatar-stack {
  display: flex;
}

.auth-avatar-stack span {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--card);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  color: var(--gold);
  margin-left: -8px;
}

.auth-avatar-stack span:first-child {
  margin-left: 0;
}

/* upcoming payments card (in payment gateways) */
.upay-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 13px 0;
  border-bottom: 1px solid var(--border);
}

.upay-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.upay-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--navy2);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: .78rem;
  flex-shrink: 0;
}

.upay-info {
  flex: 1;
  min-width: 0;
}

.upay-name {
  font-size: .85rem;
  font-weight: 700;
  margin-bottom: 1px;
}

.upay-date {
  font-size: .73rem;
  color: var(--cream2);
}

.upay-amount {
  font-size: .9rem;
  font-weight: 800;
  letter-spacing: -.01em;
  flex-shrink: 0;
}

/* ===== 31. RESPONSIVE ADDITIONS ===== */
@media (max-width: 768px) {
  .grid-loans {
    grid-template-columns: 1fr;
  }

  .page-hero {
    padding: 100px 5% 52px;
  }

  .pm-card {
    flex-wrap: wrap;
  }

  .pm-actions {
    width: 100%;
    justify-content: flex-end;
  }
}

@media (max-width: 480px) {
  .page-hero {
    padding: 90px 4% 40px;
  }

  .otp-input {
    width: 44px;
    height: 52px;
    font-size: 1.25rem;
  }

  .otp-group {
    gap: 7px;
  }

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

  .gw-strip {
    gap: 7px;
  }

  .auth-steps {
    gap: 14px;
  }
}

/* ===== Page Loader ===== */

.page-loader {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 28px;
  transition: opacity .45s cubic-bezier(.4, 0, .2, 1), visibility .45s;
}

.page-loader.is-hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.page-loader__glow {
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, .07) 0%, transparent 70%);
  pointer-events: none;
}

.page-loader__spinner {
  position: relative;
  width: 54px;
  height: 54px;
}

.page-loader__ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 2.5px solid rgba(14, 165, 233, .15);
  border-top-color: var(--gold);
  animation: loaderSpin .75s linear infinite;
}

.page-loader__ring--inner {
  inset: 7px;
  border-width: 2px;
  border-color: rgba(14, 165, 233, .08);
  border-top-color: transparent;
  border-bottom-color: var(--gold2);
  animation-duration: 1.1s;
  animation-direction: reverse;
}

.page-loader__dots {
  display: flex;
  gap: 6px;
}

.page-loader__dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  animation: loaderDot .9s ease infinite;
}

.page-loader__dot:nth-child(2) {
  animation-delay: .18s;
}

.page-loader__dot:nth-child(3) {
  animation-delay: .36s;
}

@keyframes loaderSpin {
  to {
    transform: rotate(360deg);
  }
}

@keyframes loaderDot {

  0%,
  100% {
    opacity: .25;
    transform: scale(.75);
  }

  50% {
    opacity: 1;
    transform: scale(1);
  }
}

/* ===== GDPR Cookie Banner ===== */
.cookie-banner {
  position: fixed;
  bottom: 28px;
  left: 28px;
  z-index: 9999;
  width: 320px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  box-shadow: 0 16px 48px rgba(27, 42, 68, .14), 0 2px 8px rgba(27, 42, 68, .06);
  display: flex;
  gap: 14px;
  animation: cookieSlideIn .38s cubic-bezier(.16, 1, .3, 1) both;
}

.cookie-banner--hiding {
  animation: cookieSlideOut .32s cubic-bezier(.4, 0, .2, 1) both;
}

@keyframes cookieSlideIn {
  from {
    opacity: 0;
    transform: translateY(20px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes cookieSlideOut {
  from {
    opacity: 1;
    transform: translateY(0);
  }

  to {
    opacity: 0;
    transform: translateY(16px);
  }
}

.cookie-banner__icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(14, 165, 233, .10);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.cookie-banner__body {
  flex: 1;
  min-width: 0;
}

.cookie-banner__text {
  font-size: .8rem;
  color: var(--cream2);
  line-height: 1.65;
  margin-bottom: 14px;
}

.cookie-banner__link {
  color: var(--gold);
  font-weight: 600;
  margin-left: 3px;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.cookie-banner__link:hover {
  opacity: .8;
}

.cookie-banner__actions {
  display: flex;
  gap: 8px;
}

.cookie-banner__allow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 18px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: #fff;
  font-size: .8rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: var(--transition);
}

.cookie-banner__allow:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(14, 165, 233, .35);
}

.cookie-banner__decline {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  background: transparent;
  color: var(--cream2);
  font-size: .8rem;
  font-weight: 600;
  border: 1px solid var(--border);
  cursor: pointer;
  transition: var(--transition);
}

.cookie-banner__decline:hover {
  border-color: var(--cream2);
  color: var(--cream);
}

@media (max-width: 480px) {
  .cookie-banner {
    left: 12px;
    right: 12px;
    bottom: 16px;
    width: auto;
  }
}