/* ============================================================
   BAZAARBRAKER — Editorial fintech design system
   Rycoon Financial Services Limited
   
   AESTHETIC DIRECTION:
   - Editorial confidence — like Ramp, Mercury, Stripe, but for India
   - Navy + bone + coral. No timid grey. No gradient bloat.
   - Instrument Serif for display moments (Indian newspaper headline feel)
   - JetBrains Mono for numbers (ledger / accounting visual cue)
   - Inter for UI body
   - Asymmetric grids, rule-line dividers, deliberate negative space
   ============================================================ */

:root{
  /* === Palette === */
  --navy:#0F1838;          /* deepest brand navy */
  --navy-2:#1A2547;        /* card backgrounds on dark */
  --navy-3:#26325A;        /* hover state */
  --steel:#3D5A80;         /* steel blue accent */
  --ink:#0F1838;           /* primary text */
  --ink-2:#3E4862;         /* secondary text */
  --muted:#7C8AA7;         /* tertiary text */

  /* Light surfaces */
  --bone:#F6F1E7;          /* warm off-white "bone" — primary background */
  --bone-2:#EEE6D4;        /* warmer bone for secondary surfaces */
  --paper:#FBF8F1;         /* lightest paper */
  --white:#FFFFFF;
  
  /* Lines */
  --rule:#0F1838;          /* hairlines = full navy */
  --rule-soft:#D8CFB8;     /* secondary hairlines on bone */
  --rule-faint:#E8E0CB;
  
  /* Accent — warm vermilion that pairs with bone */
  --vermilion:#E0431F;
  --vermilion-2:#B33419;
  --vermilion-soft:rgba(224,67,31,.08);
  
  /* Supporting accents */
  --saffron:#E8A85C;
  --leaf:#5C7A4A;
  --plum:#5E4358;

  --shadow-card:0 1px 2px rgba(15,24,56,.04), 0 8px 24px -8px rgba(15,24,56,.12);
  --shadow-card-hover:0 1px 2px rgba(15,24,56,.06), 0 24px 48px -16px rgba(15,24,56,.18);
  --shadow-lg:0 40px 80px -20px rgba(15,24,56,.3);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}

body{
  font-family:'Inter', system-ui, -apple-system, sans-serif;
  font-feature-settings:'cv11', 'ss01', 'ss03';
  background:var(--bone);
  color:var(--ink);
  font-size:16px;line-height:1.55;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}

/* === Typography utilities === */
.display{
  font-family:'Instrument Serif', 'Bodoni Moda', Georgia, serif;
  font-weight:400;font-style:normal;
  letter-spacing:-.02em;line-height:.95;
}
.display-italic{
  font-family:'Instrument Serif', Georgia, serif;
  font-style:italic;font-weight:400;letter-spacing:-.015em;
}
.mono{font-family:'JetBrains Mono', 'IBM Plex Mono', monospace;font-feature-settings:'tnum','zero'}

/* Number / data — monospaced figures */
.num{font-family:'JetBrains Mono', monospace;font-feature-settings:'tnum','zero'}

a{color:inherit;text-decoration:none}
p{line-height:1.62}

/* "Eyebrow" label */
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.16em;
  color:var(--vermilion);
}
.eyebrow::before{
  content:"";display:block;
  width:24px;height:1px;background:var(--vermilion);
}
.eyebrow.on-dark{color:var(--saffron)}
.eyebrow.on-dark::before{background:var(--saffron)}

/* ============================================================
   NAVIGATION — minimal, editorial
   ============================================================ */
.nav{
  position:sticky;top:0;z-index:100;
  background:rgba(246,241,231,.85);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--rule);
}
.nav-inner{
  max-width:1380px;margin:0 auto;
  padding:4px 28px;
  display:flex;align-items:center;justify-content:space-between;gap:32px;
}

.logo{display:flex;align-items:center;flex-shrink:0;color:var(--ink)}
.logo-img{
  display:block;
  height:120px;
  width:auto;
  max-width:none;
}
.logo-mark, .logo-text{display:none}

.nav-links{display:flex;align-items:center;gap:36px;font-size:14px;font-weight:500;color:var(--ink-2)}
.nav-links > a, .nav-drop-trigger{
  position:relative;padding:8px 0;
  transition:color .2s;
  color:inherit;background:none;border:none;cursor:pointer;
  font:inherit;
}
.nav-links > a:hover, .nav-links > a.active,
.nav-drop-trigger:hover, .nav-dropdown.open .nav-drop-trigger,
.nav-drop-trigger.active{color:var(--ink)}
.nav-links > a::after, .nav-drop-trigger::after{
  content:"";position:absolute;left:0;right:0;bottom:-2px;
  height:1.5px;background:var(--vermilion);
  transform:scaleX(0);transform-origin:left;
  transition:transform .25s ease;
}
.nav-links > a:hover::after, .nav-links > a.active::after,
.nav-drop-trigger:hover::after, .nav-dropdown.open .nav-drop-trigger::after,
.nav-drop-trigger.active::after{transform:scaleX(1)}

.nav-dropdown{position:relative}
.nav-drop-trigger{display:inline-flex;align-items:center;gap:6px}
.nav-drop-trigger .caret{
  width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;
  border-top:5px solid currentColor;opacity:.55;
  transition:transform .2s;
}
.nav-dropdown.open .nav-drop-trigger .caret,
.nav-dropdown:hover .nav-drop-trigger .caret{transform:rotate(180deg)}
.nav-drop-menu{
  position:absolute;top:calc(100% + 10px);left:50%;
  transform:translateX(-50%) translateY(6px);
  min-width:240px;
  background:var(--bone);
  border:1px solid var(--rule);
  border-radius:10px;
  padding:8px 0;
  box-shadow:0 18px 40px rgba(15,24,56,.12);
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .18s ease, transform .18s ease, visibility .18s;
  z-index:120;
}
.nav-dropdown:hover .nav-drop-menu,
.nav-dropdown.open .nav-drop-menu{
  opacity:1;visibility:visible;pointer-events:auto;
  transform:translateX(-50%) translateY(0);
}
.nav-drop-menu a{
  display:block;padding:11px 18px;
  font-size:13.5px;font-weight:500;color:var(--ink-2);
  white-space:nowrap;
}
.nav-drop-menu a:hover, .nav-drop-menu a.active{
  color:var(--ink);background:rgba(15,24,56,.04);
}

.nav-cta{
  display:inline-flex;align-items:center;gap:8px;
  padding:11px 20px;
  background:var(--ink);color:var(--bone);
  font-size:13px;font-weight:600;
  border-radius:6px;
  transition:all .2s;
}
.nav-cta:hover{background:var(--vermilion);transform:translateY(-1px)}
.nav-cta .arr{transition:transform .2s;display:inline-block}
.nav-cta:hover .arr{transform:translateX(3px)}

.nav-toggle{
  display:none;background:transparent;border:none;cursor:pointer;
  width:42px;height:42px;
  flex-direction:column;justify-content:center;align-items:center;gap:5px;
}
.nav-toggle span{
  display:block;width:22px;height:1.5px;background:var(--ink);
  transition:transform .3s, opacity .3s;
}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-menu{
  display:none;
  position:fixed;top:128px;left:0;right:0;bottom:0;
  background:var(--bone);z-index:99;
  padding:24px 24px 40px;overflow-y:auto;
}
.mobile-menu.open{display:flex;flex-direction:column;gap:0}
.mobile-menu a{
  display:block;padding:18px 0;
  font-weight:500;font-size:22px;color:var(--ink);
  font-family:'Instrument Serif', serif;
  border-bottom:1px solid var(--rule-soft);
}
.mobile-menu a.active{color:var(--vermilion);font-style:italic}
.mobile-menu .mobile-cta{
  margin-top:24px;text-align:center;
  background:var(--ink);color:var(--bone);
  padding:16px;border-radius:8px;
  font-size:14px;font-weight:600;border:none;
  font-family:'Inter',sans-serif;
}

@media (max-width:980px){
  .nav-links, .nav-cta{display:none}
  .nav-toggle{display:flex}
  .nav-inner{padding:4px 16px}
  .mobile-menu{top:88px}
  .logo-img{height:80px}
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn, .btn-vermilion, .btn-ink, .btn-ghost-ink, .btn-ghost-light, .btn-primary, .btn-ghost, .btn-light{
  display:inline-flex;align-items:center;gap:10px;
  padding:15px 26px;
  font-size:14px;font-weight:600;letter-spacing:.005em;
  border-radius:6px;cursor:pointer;
  transition:all .2s;font-family:inherit;
  text-decoration:none;
  border:1px solid transparent;
  white-space:nowrap;
}
.btn .arr, .btn-vermilion .arr, .btn-ink .arr, .btn-primary .arr{transition:transform .2s;display:inline-block}
.btn:hover .arr, .btn-vermilion:hover .arr, .btn-ink:hover .arr, .btn-primary:hover .arr{transform:translateX(3px)}

.btn-vermilion{background:var(--vermilion);color:var(--white);border-color:var(--vermilion)}
.btn-vermilion:hover{background:var(--vermilion-2);border-color:var(--vermilion-2);transform:translateY(-1px)}

.btn-ink{background:var(--ink);color:var(--bone);border-color:var(--ink)}
.btn-ink:hover{background:var(--vermilion);border-color:var(--vermilion)}

.btn-ghost-ink{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost-ink:hover{background:var(--ink);color:var(--bone)}

.btn-ghost-light{background:transparent;color:var(--bone);border:1px solid rgba(246,241,231,.4)}
.btn-ghost-light:hover{background:var(--bone);color:var(--ink);border-color:var(--bone)}

/* legacy aliases (no extra duplication needed since they share .btn rule above) */
.btn-primary{background:var(--vermilion);color:var(--white);border-color:var(--vermilion)}
.btn-primary:hover{background:var(--vermilion-2);border-color:var(--vermilion-2);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--bone)}
/* btn-light is used on LIGHT backgrounds throughout the site (not dark), so style it as ghost-ink */
.btn-light{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-light:hover{background:var(--ink);color:var(--bone)}

/* ============================================================
   LAYOUT
   ============================================================ */
.wrap{max-width:1380px;margin:0 auto;padding:0 40px}
.wrap-narrow{max-width:980px;margin:0 auto;padding:0 40px}
@media (max-width:780px){
  .wrap, .wrap-narrow{padding:0 22px}
}

/* ============================================================
   TICKER — running text across top of hero
   ============================================================ */
.ticker{
  background:var(--ink);color:var(--bone);
  overflow:hidden;
  border-bottom:1px solid var(--ink);
  font-family:'JetBrains Mono', monospace;
  font-size:12px;font-weight:500;
  letter-spacing:.08em;text-transform:uppercase;
}
.ticker-track{
  display:flex;gap:60px;
  animation:ticker 60s linear infinite;
  padding:10px 0;width:max-content;
}
.ticker-item{display:flex;align-items:center;gap:14px;white-space:nowrap}
.ticker-item .dot{
  display:inline-block;width:6px;height:6px;border-radius:50%;
  background:var(--vermilion);
}
.ticker-item .up{color:var(--saffron)}
.ticker-item .down{color:#FF8B7A}
@keyframes ticker{
  from{transform:translateX(0)}
  to{transform:translateX(-50%)}
}

/* ============================================================
   HERO — Editorial, asymmetric, live-offer card
   ============================================================ */
.hero{
  position:relative;
  background:var(--bone);
  overflow:hidden;
  padding:50px 0 80px;
  border-bottom:1px solid var(--rule);
}

.hero-grid{
  max-width:1380px;margin:0 auto;
  padding:0 40px;
  display:grid;grid-template-columns:1.15fr 1fr;gap:80px;
  align-items:end;
}
@media (max-width:1100px){
  .hero-grid{grid-template-columns:1fr;gap:50px;align-items:start}
}
@media (max-width:780px){
  .hero{padding:30px 0 60px}
  .hero-grid{padding:0 22px;gap:40px}
}

/* Hero left — headline column */
.hero-headline{padding-top:30px}

.hero-meta{
  display:flex;align-items:center;gap:14px;
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink-2);
  margin-bottom:36px;
}
.hero-meta .dot{
  width:6px;height:6px;border-radius:50%;
  background:var(--leaf);
  box-shadow:0 0 0 0 rgba(92,122,74,.5);
  animation:pulse 2s ease-in-out infinite;
}
@keyframes pulse{
  0%,100%{box-shadow:0 0 0 0 rgba(92,122,74,.5)}
  50%{box-shadow:0 0 0 8px rgba(92,122,74,0)}
}
.hero-meta .div{width:1px;height:14px;background:var(--rule-soft)}

.hero h1{
  font-family:'Instrument Serif', Georgia, serif;
  font-weight:400;
  font-size:clamp(56px, 8vw, 116px);
  line-height:.92;letter-spacing:-.025em;
  color:var(--ink);
  margin-bottom:32px;
}
.hero h1 .it{font-style:italic;color:var(--vermilion)}
.hero h1 .sm{
  display:block;
  font-family:'Inter', sans-serif;
  font-size:.18em;
  font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--ink-2);
  margin-top:24px;line-height:1.5;
  max-width:24ch;
}

.hero-sub{
  font-size:17px;line-height:1.55;color:var(--ink-2);
  max-width:480px;margin-bottom:32px;
}

.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px}

.hero-trust{
  display:flex;align-items:center;gap:14px;
  font-size:13px;color:var(--ink-2);
}
.hero-trust strong{color:var(--ink);font-weight:600}
.avatars{display:flex}
.avatars div{
  width:30px;height:30px;border-radius:50%;
  border:2px solid var(--bone);margin-left:-8px;
  flex-shrink:0;
}
.avatars div:first-child{margin-left:0}
.avatars .a1{background:linear-gradient(135deg,#E0431F,#B33419)}
.avatars .a2{background:linear-gradient(135deg,#3D5A80,#0F1838)}
.avatars .a3{background:linear-gradient(135deg,#5C7A4A,#2D3F22)}
.avatars .a4{background:linear-gradient(135deg,#E8A85C,#B0732D)}

/* Hero right — live offers preview card */
.offer-card{
  background:var(--navy);
  color:var(--bone);
  border-radius:14px;
  padding:24px;
  box-shadow:var(--shadow-lg);
  position:relative;
  border:1px solid var(--navy);
}
.offer-card::before{
  content:"";position:absolute;
  top:14px;right:14px;
  width:6px;height:6px;border-radius:50%;
  background:var(--leaf);
  box-shadow:0 0 0 4px rgba(92,122,74,.15);
}
.offer-head{
  display:flex;justify-content:space-between;align-items:flex-start;
  margin-bottom:24px;
  padding-bottom:18px;
  border-bottom:1px solid rgba(246,241,231,.12);
}
.offer-title{
  font-family:'Instrument Serif', serif;
  font-size:22px;line-height:1.1;letter-spacing:-.01em;
  margin-bottom:6px;
}
.offer-title .it{font-style:italic;color:var(--saffron)}
.offer-meta{
  font-family:'JetBrains Mono', monospace;
  font-size:10.5px;font-weight:500;
  text-transform:uppercase;letter-spacing:.12em;
  color:rgba(246,241,231,.6);
}

.offer-input{
  display:grid;grid-template-columns:1fr auto;gap:14px;
  margin-bottom:20px;padding:14px;
  background:rgba(246,241,231,.05);
  border-radius:10px;
  font-size:13px;
}
.offer-input .lbl{color:rgba(246,241,231,.55);font-size:11px;
  font-family:'JetBrains Mono', monospace;letter-spacing:.1em;text-transform:uppercase;
  margin-bottom:4px;
}
.offer-input .val{font-family:'JetBrains Mono', monospace;font-size:15px;font-weight:600;color:var(--bone)}

.offer-list{display:flex;flex-direction:column;gap:1px;background:rgba(246,241,231,.06);border-radius:10px;overflow:hidden}
.offer-row{
  display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:14px;
  padding:16px 18px;
  background:var(--navy);
  align-items:center;
  position:relative;
}
.offer-row.best::before{
  content:"BEST";
  position:absolute;left:0;top:50%;transform:translateY(-50%);
  background:var(--vermilion);color:var(--white);
  font-family:'JetBrains Mono',monospace;font-size:9px;font-weight:700;
  letter-spacing:.14em;
  padding:3px 8px;border-radius:0 4px 4px 0;
}
.offer-row.best{background:rgba(224,67,31,.08);padding-left:50px}
.offer-row .lender{font-size:14px;font-weight:600;color:var(--bone)}
.offer-row .rate{
  font-family:'JetBrains Mono', monospace;
  font-size:15px;font-weight:600;color:var(--saffron);
}
.offer-row.best .rate{color:var(--vermilion);font-weight:700;font-size:16px}
.offer-row .emi{
  font-family:'JetBrains Mono', monospace;
  font-size:13px;color:rgba(246,241,231,.7);
  text-align:right;
}

.offer-foot{
  margin-top:18px;padding-top:18px;
  border-top:1px solid rgba(246,241,231,.12);
  display:flex;justify-content:space-between;align-items:center;
}
.offer-foot .save{
  font-size:12px;color:rgba(246,241,231,.7);
}
.offer-foot .save strong{color:var(--saffron);font-family:'JetBrains Mono',monospace;font-weight:600}
.offer-foot a{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:600;
  letter-spacing:.12em;text-transform:uppercase;
  color:var(--bone);
  border-bottom:1px solid var(--vermilion);
  padding-bottom:2px;
}
.offer-foot a:hover{color:var(--vermilion)}

/* Hero foot — stats row directly under */
.hero-stats{
  max-width:1380px;margin:0 auto;
  padding:0 40px;margin-top:80px;
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--rule);
}
@media (max-width:1100px){.hero-stats{margin-top:60px}}
@media (max-width:780px){
  .hero-stats{grid-template-columns:repeat(2,1fr);padding:0 22px}
}
.hero-stat{
  padding:28px 24px 28px 0;
  border-right:1px solid var(--rule-soft);
}
.hero-stat:first-child{padding-left:0}
.hero-stat:not(:first-child){padding-left:24px}
.hero-stat:last-child{border-right:none}
@media (max-width:780px){
  .hero-stat{padding:24px 16px;min-height:120px}
  .hero-stat:first-child{padding-left:0}
  .hero-stat:nth-child(3){padding-left:0;border-top:1px solid var(--rule-soft)}
  .hero-stat:nth-child(2),.hero-stat:nth-child(4){border-right:none;border-top:1px solid var(--rule-soft)}
  .hero-stat:nth-child(-n+2){border-top:none}
}
.hero-stat-num{
  font-family:'Instrument Serif', serif;
  font-size:clamp(36px,4vw,52px);
  font-weight:400;line-height:1;
  letter-spacing:-.015em;color:var(--ink);
}
.hero-stat-num .it{font-style:italic;color:var(--vermilion)}
.hero-stat-label{
  margin-top:12px;font-family:'JetBrains Mono',monospace;
  font-size:11px;color:var(--ink-2);font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
}

/* ============================================================
   INNER PAGE HEADER
   ============================================================ */
.page-header{
  background:var(--bone);
  border-bottom:1px solid var(--rule);
  padding:40px 0 80px;
}
.page-header-inner{max-width:1380px;margin:0 auto;padding:0 40px}
@media (max-width:780px){
  .page-header{padding:30px 0 60px}
  .page-header-inner{padding:0 22px}
}

.page-meta{
  display:flex;justify-content:space-between;align-items:center;
  padding:14px 0;margin-bottom:48px;
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--ink-2);
}
.page-meta .crumbs a{color:var(--ink-2);transition:color .2s}
.page-meta .crumbs a:hover{color:var(--vermilion)}
.page-meta .crumbs span.sep{margin:0 8px;color:var(--muted)}
@media (max-width:600px){.page-meta{flex-direction:column;align-items:flex-start;gap:6px}}

.page-title{
  font-family:'Instrument Serif', serif;
  font-weight:400;
  font-size:clamp(48px, 7vw, 96px);
  line-height:.96;letter-spacing:-.025em;color:var(--ink);
  margin-bottom:24px;
  max-width:14ch;
}
.page-title .it{font-style:italic;color:var(--vermilion)}
.page-lead{
  font-size:clamp(17px,1.6vw,20px);
  line-height:1.5;color:var(--ink-2);
  max-width:680px;font-weight:400;
}
.page-lead .it{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}

/* ============================================================
   SECTION HEADER — editorial rule line
   ============================================================ */
.section{
  padding:100px 0;
  position:relative;
}
.section.tight{padding:70px 0}
.section.dark{background:var(--ink);color:var(--bone)}
.section.bone-2{background:var(--bone-2)}

.section-rule{
  max-width:1380px;margin:0 auto;
  padding:0 40px;
  border-top:1px solid currentColor;
  padding-top:60px;margin-bottom:60px;
}
@media (max-width:780px){.section-rule{padding-left:22px;padding-right:22px}}

.section-head{
  display:grid;grid-template-columns:1fr 2fr;gap:60px;
  margin-bottom:64px;align-items:start;
}
@media (max-width:880px){.section-head{grid-template-columns:1fr;gap:20px;margin-bottom:48px}}
.section-head .label{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.16em;
  color:var(--vermilion);
  padding-top:14px;
}
.section.dark .section-head .label{color:var(--saffron)}
.section-head h2{
  font-family:'Instrument Serif',serif;
  font-weight:400;
  font-size:clamp(40px,5vw,72px);
  line-height:1;letter-spacing:-.02em;
}
.section-head h2 .it{font-style:italic;color:var(--vermilion)}
.section.dark .section-head h2 .it{color:var(--saffron)}
.section-head .lede{
  font-size:16px;color:var(--ink-2);line-height:1.6;
  max-width:48ch;margin-top:20px;
}
.section.dark .section-head .lede{color:rgba(246,241,231,.7)}

/* ============================================================
   LOAN PRODUCTS — Featured 4 + secondary strip
   ============================================================ */
.loan-featured{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
}
@media (max-width:1000px){.loan-featured{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.loan-featured{grid-template-columns:1fr}}

.loan-card{
  display:flex;flex-direction:column;
  padding:36px 32px;
  border-right:1px solid var(--rule-soft);
  background:var(--bone);
  transition:background .25s;
  min-height:300px;
  color:var(--ink);
  position:relative;
}
.loan-card:last-child{border-right:none}
@media (max-width:1000px){
  .loan-card:nth-child(2n){border-right:none}
  .loan-card:nth-child(-n+2){border-bottom:1px solid var(--rule-soft)}
}
@media (max-width:560px){
  .loan-card{border-right:none;border-bottom:1px solid var(--rule-soft)}
  .loan-card:last-child{border-bottom:none}
}
.loan-card:hover{background:var(--bone-2)}
.loan-card .num{
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  letter-spacing:.16em;color:var(--muted);
  margin-bottom:36px;
}
.loan-card h3{
  font-family:'Instrument Serif',serif;
  font-weight:400;font-size:36px;
  line-height:1;letter-spacing:-.015em;
  margin-bottom:18px;
}
.loan-card h3 .it{font-style:italic;color:var(--vermilion)}
.loan-card .rate{
  font-family:'JetBrains Mono', monospace;
  font-size:12px;color:var(--ink-2);font-weight:500;
  letter-spacing:.04em;margin-bottom:18px;
}
.loan-card .rate strong{color:var(--vermilion);font-weight:600}
.loan-card .desc{
  font-size:14px;color:var(--ink-2);line-height:1.6;
  flex-grow:1;
}
.loan-card .more{
  margin-top:24px;display:inline-flex;align-items:center;gap:10px;
  font-family:'JetBrains Mono',monospace;font-size:11px;font-weight:500;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink);
  padding-bottom:3px;border-bottom:1px solid var(--ink);
  align-self:flex-start;
  transition:gap .2s, color .2s, border-color .2s;
}
.loan-card:hover .more{color:var(--vermilion);border-color:var(--vermilion);gap:14px}

/* Secondary loans strip */
.loan-strip{
  display:grid;grid-template-columns:repeat(4,1fr);
  margin-top:1px;
  border-bottom:1px solid var(--rule);
  background:var(--rule-soft);gap:1px;
}
@media (max-width:880px){.loan-strip{grid-template-columns:repeat(2,1fr)}}
@media (max-width:480px){.loan-strip{grid-template-columns:1fr}}
.loan-strip a{
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:24px 28px;background:var(--bone);
  transition:background .2s;
  color:var(--ink);
}
.loan-strip a > *{flex-shrink:0}
.loan-strip a:hover{background:var(--bone-2)}
.loan-strip .lbl{font-family:'Instrument Serif',serif;font-size:22px;line-height:1;letter-spacing:-.01em}
.loan-strip .lbl .it{font-style:italic;color:var(--vermilion)}
.loan-strip .rt{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--ink-2);letter-spacing:.08em}
.loan-strip .arr{width:24px;height:24px;display:flex;align-items:center;justify-content:center;color:var(--ink-2);transition:transform .2s, color .2s}
.loan-strip a:hover .arr{color:var(--vermilion);transform:translate(2px,-2px)}

/* ============================================================
   PROCESS — Numbered editorial steps with rule lines
   ============================================================ */
.steps{
  display:grid;grid-template-columns:repeat(3,1fr);gap:0;
  border-top:1px solid var(--rule);
}
@media (max-width:880px){.steps{grid-template-columns:1fr}}
.step-item{
  padding:48px 32px;
  border-right:1px solid var(--rule-soft);
  position:relative;
}
.step-item:last-child{border-right:none}
@media (max-width:880px){
  .step-item{border-right:none;border-bottom:1px solid var(--rule-soft);padding:36px 0}
  .step-item:last-child{border-bottom:none}
}
.step-item .num{
  font-family:'Instrument Serif', serif;
  font-style:italic;
  font-size:80px;line-height:.8;
  color:var(--vermilion);
  margin-bottom:24px;
  letter-spacing:-.03em;
}
.step-item h3{
  font-family:'Instrument Serif',serif;
  font-weight:400;font-size:28px;
  line-height:1.1;letter-spacing:-.015em;
  margin-bottom:14px;color:var(--ink);
}
.step-item p{font-size:15px;color:var(--ink-2);line-height:1.65}

/* ============================================================
   BEFORE / AFTER — Editorial comparison
   ============================================================ */
.compare{
  display:grid;grid-template-columns:1fr 1fr;gap:0;
  border:1px solid var(--rule);
  border-radius:0;
}
@media (max-width:880px){.compare{grid-template-columns:1fr}}

.compare-side{
  padding:40px;
  position:relative;
}
.compare-old{background:var(--bone)}
.compare-new{background:var(--ink);color:var(--bone)}
.compare-old{border-right:1px solid var(--rule)}
@media (max-width:880px){
  .compare-old{border-right:none;border-bottom:1px solid var(--rule)}
}

.compare-tag{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.16em;
  margin-bottom:24px;display:inline-block;
}
.compare-old .compare-tag{color:var(--muted)}
.compare-new .compare-tag{color:var(--saffron)}

.compare-side h3{
  font-family:'Instrument Serif',serif;
  font-weight:400;font-size:32px;
  line-height:1.05;letter-spacing:-.015em;
  margin-bottom:32px;
}
.compare-old h3{color:var(--ink)}
.compare-new h3{color:var(--bone)}
.compare-new h3 .it{font-style:italic;color:var(--saffron)}

.compare-list{list-style:none;padding:0;margin:0}
.compare-list li{
  padding:14px 0;font-size:14.5px;line-height:1.55;
  display:flex;gap:14px;align-items:flex-start;
}
.compare-old .compare-list li{
  color:var(--muted);
  border-bottom:1px dashed var(--rule-soft);
  text-decoration:line-through;
  text-decoration-color:var(--muted);
  text-decoration-thickness:1px;
}
.compare-new .compare-list li{
  color:rgba(246,241,231,.85);
  border-bottom:1px solid rgba(246,241,231,.1);
}
.compare-list li::before{
  content:"";flex-shrink:0;
  width:14px;height:1px;background:currentColor;
  margin-top:11px;
}
.compare-list li:last-child{border-bottom:none}

/* ============================================================
   EMI CALCULATOR — Editorial dark
   ============================================================ */
.calc-section{padding:100px 0}
.calc-wrap{
  background:var(--ink);color:var(--bone);
  border-radius:0;
  padding:64px;
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center;
  position:relative;overflow:hidden;
  border:1px solid var(--ink);
}
@media (max-width:980px){.calc-wrap{grid-template-columns:1fr;padding:40px 28px;gap:50px}}

.calc-head h3, .calc-wrap > div > h3{
  font-family:'Instrument Serif',serif;
  font-weight:400;
  font-size:clamp(36px,4.5vw,52px);
  line-height:1;letter-spacing:-.02em;margin-bottom:18px;color:var(--bone);
}
.calc-head h3 .it, .calc-wrap > div > h3 .it, .calc-wrap > div > h3 .accent{font-style:italic;color:var(--saffron);font-family:'Instrument Serif',serif}
.calc-intro{
  font-size:15px;color:rgba(246,241,231,.65);
  line-height:1.65;margin-bottom:40px;max-width:420px;
}

.calc-field{margin-bottom:28px}
.calc-field label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px}
.calc-field label .lbl{
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:rgba(246,241,231,.65);
}
.calc-field label .value{
  font-family:'Instrument Serif',serif;font-style:italic;
  font-size:24px;font-weight:400;
  color:var(--saffron);letter-spacing:-.01em;
}

.calc-field input[type=range]{
  -webkit-appearance:none;appearance:none;
  width:100%;height:2px;
  background:rgba(246,241,231,.15);
  outline:none;cursor:pointer;
}
.calc-field input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:18px;height:18px;border-radius:50%;
  background:var(--vermilion);border:3px solid var(--ink);cursor:pointer;
  box-shadow:0 0 0 1px var(--vermilion);
  transition:transform .15s;
}
.calc-field input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
.calc-field input[type=range]::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;
  background:var(--vermilion);border:3px solid var(--ink);cursor:pointer;
}

.calc-result{text-align:left}
.calc-result .lbl{
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:rgba(246,241,231,.6);margin-bottom:18px;
}
.calc-result .emi{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:clamp(64px,9vw,120px);
  line-height:.9;letter-spacing:-.035em;color:var(--bone);
  margin-bottom:8px;
}
.calc-result .emi-currency{
  font-style:italic;
  font-size:.42em;color:var(--saffron);
  vertical-align:.4em;margin-right:6px;
}
.calc-result .emi-month{
  font-family:'JetBrains Mono', monospace;
  font-size:11px;color:rgba(246,241,231,.55);margin-bottom:32px;
  text-transform:uppercase;letter-spacing:.14em;
}
.calc-breakdown{
  display:grid;grid-template-columns:1fr 1fr;
  border-top:1px solid rgba(246,241,231,.12);padding-top:24px;
}
.calc-breakdown div:first-child{border-right:1px solid rgba(246,241,231,.12);padding-right:24px}
.calc-breakdown div:last-child{padding-left:24px}
.calc-breakdown .b-label{
  font-family:'JetBrains Mono', monospace;
  font-size:10px;font-weight:500;
  text-transform:uppercase;letter-spacing:.12em;
  color:rgba(246,241,231,.6);margin-bottom:8px;
}
.calc-breakdown .b-value{
  font-family:'JetBrains Mono',monospace;
  font-size:20px;font-weight:600;letter-spacing:-.01em;color:var(--bone);
}

/* ============================================================
   PARTNERS — Marquee-style grid
   ============================================================ */
.partner-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
}
@media (max-width:1000px){.partner-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.partner-grid{grid-template-columns:repeat(2,1fr)}}

.partner-grid > div, .partner-grid > a{
  padding:32px 20px;
  border-right:1px solid var(--rule-soft);
  border-bottom:1px solid var(--rule-soft);
  background:var(--bone);
  font-family:'Instrument Serif',serif;
  font-size:21px;line-height:1.2;letter-spacing:-.01em;
  color:var(--ink);text-align:center;
  display:grid;place-content:center;
  min-height:100px;transition:background .2s;
}
.partner-grid > div .it, .partner-grid > a .it{font-style:italic;color:var(--vermilion)}
.partner-grid > a:hover, .partner-grid > div:hover{background:var(--bone-2)}
.partner-grid > a{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;color:var(--vermilion);
  text-transform:uppercase;letter-spacing:.14em;
}

/* ============================================================
   WHY US — editorial card grid
   ============================================================ */
.why-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:0;
  border-top:1px solid var(--rule);
  border-left:1px solid var(--rule);
}
@media (max-width:880px){.why-grid{grid-template-columns:1fr;border-left:none}}
.why-card{
  padding:40px 36px;
  border-right:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  background:var(--bone);
  transition:background .25s;
}
.why-card:hover{background:var(--paper)}
@media (max-width:880px){
  .why-card{border-right:none}
}
.why-card .ic{
  font-family:'Instrument Serif',serif;
  font-style:italic;font-size:40px;
  color:var(--vermilion);line-height:1;
  margin-bottom:28px;letter-spacing:-.02em;
}
.why-card h4{
  font-family:'Instrument Serif',serif;
  font-weight:400;font-size:26px;
  line-height:1.1;letter-spacing:-.015em;
  margin-bottom:14px;color:var(--ink);
}
.why-card h4 .it{font-style:italic;color:var(--vermilion)}
.why-card p{font-size:14.5px;color:var(--ink-2);line-height:1.65}

/* ============================================================
   TESTIMONIAL — Editorial pull-quote
   ============================================================ */
.testimonial{
  padding:120px 0;
  background:var(--bone-2);
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
}
.quote-wrap{max-width:1100px;margin:0 auto;padding:0 40px;text-align:center}
@media (max-width:780px){.quote-wrap{padding:0 22px}}

.quote-wrap .mk{
  font-family:'Instrument Serif',serif;font-style:italic;
  font-size:140px;line-height:.5;color:var(--vermilion);
  display:block;margin-bottom:30px;
  letter-spacing:-.05em;
}
.quote-wrap blockquote{
  font-family:'Instrument Serif',serif;
  font-weight:400;
  font-size:clamp(28px,3.6vw,48px);
  line-height:1.15;letter-spacing:-.018em;
  color:var(--ink);
  margin-bottom:36px;
}
.quote-wrap blockquote .it{font-style:italic;color:var(--vermilion)}
.quote-wrap cite{
  font-style:normal;
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;color:var(--ink-2);
  text-transform:uppercase;letter-spacing:.16em;
}

/* ============================================================
   CTA STRIP — Dark, editorial
   ============================================================ */
.cta-strip{
  background:var(--ink);color:var(--bone);
  padding:120px 40px;text-align:center;
  position:relative;overflow:hidden;
}
@media (max-width:780px){.cta-strip{padding:80px 22px}}
.cta-strip h2{
  font-family:'Instrument Serif',serif;
  font-weight:400;
  font-size:clamp(48px,6vw,84px);
  line-height:1;letter-spacing:-.025em;
  margin-bottom:24px;color:var(--bone);
  max-width:16ch;margin-left:auto;margin-right:auto;
}
.cta-strip h2 .it{font-style:italic;color:var(--saffron)}
.cta-strip p{
  font-size:17px;color:rgba(246,241,231,.75);
  max-width:540px;margin:0 auto 40px;line-height:1.6;
}

/* ============================================================
   FOOTER
   ============================================================ */
footer{
  background:var(--ink);color:var(--bone);
  padding:80px 40px 36px;position:relative;
  border-top:1px solid var(--vermilion);
}
@media (max-width:780px){footer{padding:60px 22px 30px}}
.footer-inner{max-width:1380px;margin:0 auto}
.footer-top{
  display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;
  padding-bottom:56px;border-bottom:1px solid rgba(246,241,231,.12);
}
@media (max-width:880px){.footer-top{grid-template-columns:1fr 1fr;gap:36px}}
@media (max-width:520px){.footer-top{grid-template-columns:1fr}}

.footer-brand .logo{margin-bottom:24px}
.footer-brand .logo-img{
  height:80px;
  max-width:none;
  filter:brightness(0) invert(1);
}
.footer-brand .footer-pitch{
  font-family:'Instrument Serif',serif;
  font-style:italic;font-size:22px;line-height:1.25;
  color:var(--bone);margin-bottom:18px;max-width:340px;
}
.footer-brand p{color:rgba(246,241,231,.6);font-size:13.5px;line-height:1.7;max-width:340px}
.footer-brand p strong{color:var(--saffron);font-weight:600}

.footer-col h5{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.16em;
  color:var(--saffron);margin-bottom:22px;
}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:11px;padding:0;margin:0}
.footer-col ul li{padding:0;margin:0}
.footer-col ul li::before{content:none}
.footer-col a{font-size:14px;color:rgba(246,241,231,.7);transition:color .2s}
.footer-col a:hover{color:var(--saffron)}

.footer-bottom{
  padding-top:28px;
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;
  font-family:'JetBrains Mono',monospace;
  font-size:10.5px;color:rgba(246,241,231,.5);
  text-transform:uppercase;letter-spacing:.12em;
}
.footer-bottom .compliance{display:flex;gap:18px;flex-wrap:wrap}

/* ============================================================
   FORMS
   ============================================================ */
.form-page{background:var(--bone);padding:60px 40px 120px;border-top:1px solid var(--rule)}
@media (max-width:780px){.form-page{padding:40px 22px 80px}}
.form-wrap{max-width:780px;margin:0 auto}
.form-block{
  background:var(--paper);
  border:1px solid var(--rule);
  padding:56px;
}
@media (max-width:600px){.form-block{padding:32px 24px}}

.form-progress{display:flex;gap:14px;margin-bottom:48px}
.form-progress .step-p{
  flex:1;display:flex;align-items:center;gap:10px;
  padding-bottom:14px;border-bottom:1.5px solid var(--rule-soft);
  font-family:'JetBrains Mono',monospace;font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.12em;color:var(--muted);transition:all .3s;
}
.form-progress .step-p.active{color:var(--ink);border-color:var(--vermilion)}
.form-progress .step-p.done{color:var(--leaf);border-color:var(--leaf)}
.form-progress .step-p .num-c{
  width:22px;height:22px;border-radius:50%;
  background:var(--bone-2);color:var(--ink-2);
  display:flex;align-items:center;justify-content:center;
  font-size:11px;font-weight:700;flex-shrink:0;
}
.form-progress .step-p.active .num-c{background:var(--vermilion);color:var(--white)}
.form-progress .step-p.done .num-c{background:var(--leaf);color:var(--white)}

.form-step{display:none}
.form-step.active{display:block;animation:fadeIn .4s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

.form-step h2{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:42px;letter-spacing:-.02em;
  line-height:1.02;margin-bottom:12px;color:var(--ink);
}
.form-step h2 .it{font-style:italic;color:var(--vermilion)}
.form-step .desc{color:var(--ink-2);font-size:15px;margin-bottom:36px;line-height:1.6}

.field{margin-bottom:22px}
.field > label{
  display:block;
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--muted);margin-bottom:10px;
}
.field input, .field select, .field textarea{
  width:100%;padding:14px 16px;
  font-family:inherit;font-size:15px;
  background:var(--bone);color:var(--ink);
  border:1px solid var(--rule-soft);border-radius:4px;
  outline:none;transition:border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus{
  border-color:var(--vermilion);box-shadow:0 0 0 3px rgba(224,67,31,.08);
}
.field textarea{resize:vertical;min-height:110px}
.field .hint{font-size:12.5px;color:var(--muted);margin-top:8px;font-family:'JetBrains Mono',monospace;letter-spacing:.04em}

.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:520px){.field-grid{grid-template-columns:1fr}}

.radio-group{display:flex;gap:10px;flex-wrap:wrap}
.radio-group label{
  flex:1;min-width:120px;
  padding:13px 16px;border:1px solid var(--rule-soft);
  border-radius:4px;cursor:pointer;
  background:var(--bone);color:var(--ink);
  text-transform:none;letter-spacing:0;font-size:14px;font-weight:500;
  font-family:inherit;text-align:center;transition:all .2s;margin:0;
}
.radio-group input{display:none}
.radio-group input:checked + label{background:var(--ink);color:var(--bone);border-color:var(--ink)}

.form-nav{
  display:flex;justify-content:space-between;align-items:center;
  margin-top:40px;padding-top:24px;border-top:1px solid var(--rule-soft);
}

.form-success{
  text-align:center;padding:60px 24px;
  background:var(--paper);border:1px solid var(--rule);
}
.form-success .check{
  width:72px;height:72px;border-radius:50%;
  background:var(--leaf);color:var(--white);margin:0 auto 32px;
  display:flex;align-items:center;justify-content:center;font-size:36px;font-weight:700;
}
.form-success h2{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:42px;letter-spacing:-.02em;
  margin-bottom:14px;line-height:1.05;color:var(--ink);
}
.form-success h2 .it{font-style:italic;color:var(--vermilion)}
.form-success p{color:var(--ink-2);margin:0 auto 28px;max-width:480px;line-height:1.6}
.form-error{
  display:none;margin:0 0 18px;
  padding:12px 14px;border:1px solid #e8b4a8;border-radius:8px;
  background:#fdf3f0;color:#8a2e1c;font-size:14px;
}

/* ============================================================
   LOAN DETAIL PAGE
   ============================================================ */
.loan-detail-hero{
  display:grid;grid-template-columns:1.3fr 1fr;gap:80px;align-items:end;
}
@media (max-width:980px){.loan-detail-hero{grid-template-columns:1fr;gap:48px}}

.loan-stats{
  display:grid;grid-template-columns:1fr 1fr;
  border:1px solid var(--rule);
}
.loan-stats > div{
  padding:24px;
  border-right:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
}
.loan-stats > div:nth-child(2n){border-right:none}
.loan-stats > div:nth-child(n+3){border-bottom:none}
.loan-stats .s-label{
  font-family:'JetBrains Mono',monospace;
  font-size:10px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--ink-2);margin-bottom:14px;
}
.loan-stats .s-value{
  font-family:'Instrument Serif',serif;
  font-size:36px;font-weight:400;letter-spacing:-.015em;
  line-height:1;color:var(--ink);
}
.loan-stats .s-value .it{font-style:italic;color:var(--vermilion)}

/* Two-column content */
.two-col{
  display:grid;grid-template-columns:1fr 1.4fr;gap:80px;
  padding:80px 0;border-top:1px solid var(--rule-soft);
}
.two-col:first-child{border-top:none}
@media (max-width:880px){.two-col{grid-template-columns:1fr;gap:24px;padding:56px 0}}

.two-col h2{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:clamp(32px,4vw,52px);
  letter-spacing:-.02em;line-height:1;color:var(--ink);
}
.two-col h2 .it{font-style:italic;color:var(--vermilion)}
.two-col .content p{margin-bottom:18px;color:var(--ink-2);font-size:16px;line-height:1.7}

.two-col ul, .two-col ol{list-style:none !important;padding:0;margin:0}
.two-col ul li, .two-col ol li{
  list-style:none !important;
  padding:18px 0 18px 40px;
  border-bottom:1px solid var(--rule-soft);
  font-size:15.5px;color:var(--ink-2);line-height:1.55;
  position:relative;
}
.two-col ul li::before, .two-col ol li::before{
  content:counter(item,decimal-leading-zero);
  counter-increment:item;
  position:absolute;left:0;top:18px;
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;color:var(--vermilion);
  letter-spacing:.08em;
}
.two-col ul, .two-col ol{counter-reset:item}
.two-col ul li:last-child, .two-col ol li:last-child{border-bottom:none}

/* Rates table */
.rates-wrap{padding:80px 0;background:var(--bone-2);border-top:1px solid var(--rule)}
.rates-table{
  width:100%;border-collapse:collapse;margin-top:32px;
  background:var(--bone);border:1px solid var(--rule);
  font-size:14px;
}
.rates-table th{
  text-align:left;padding:18px 22px;
  background:var(--ink);color:var(--bone);
  font-family:'JetBrains Mono',monospace;font-size:11px;
  font-weight:500;text-transform:uppercase;letter-spacing:.14em;
}
.rates-table td{padding:20px 22px;border-bottom:1px solid var(--rule-soft);color:var(--ink-2)}
.rates-table tbody tr:last-child td{border-bottom:none}
.rates-table td.lender{
  font-family:'Instrument Serif',serif;font-size:18px;font-weight:400;
  color:var(--ink);letter-spacing:-.005em;
}
.rates-table td.lender .it{font-style:italic;color:var(--vermilion)}
.rates-table td.rate-cell{font-family:'JetBrains Mono',monospace;font-weight:600;color:var(--vermilion);font-size:13.5px}
.rates-table tbody tr:hover td{background:var(--bone-2)}
@media (max-width:680px){
  .rates-table th:nth-child(3), .rates-table td:nth-child(3),
  .rates-table th:nth-child(4), .rates-table td:nth-child(4){display:none}
  .rates-table th, .rates-table td{padding:14px 14px}
}
.rates-note{margin-top:18px;font-size:11px;color:var(--muted);font-family:'JetBrains Mono',monospace;letter-spacing:.06em;text-transform:uppercase}

/* FAQ */
.faq-list{margin-top:36px;max-width:920px}
.faq-item{
  border-top:1px solid var(--rule-soft);
  overflow:hidden;background:transparent;transition:all .2s;
}
.faq-item:last-child{border-bottom:1px solid var(--rule-soft)}
.faq-q{
  width:100%;text-align:left;padding:28px 0;
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:24px;letter-spacing:-.015em;
  color:var(--ink);background:transparent;border:none;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:20px;
  line-height:1.2;
}
.faq-q .it{font-style:italic;color:var(--vermilion)}
.faq-q .plus{
  width:32px;height:32px;border-radius:50%;
  border:1px solid var(--ink);
  display:flex;align-items:center;justify-content:center;
  font-size:18px;font-weight:400;flex-shrink:0;color:var(--ink);
  transition:all .3s;font-family:'Inter',sans-serif;
}
.faq-item.open .faq-q .plus{background:var(--vermilion);border-color:var(--vermilion);color:var(--white);transform:rotate(45deg)}
.faq-a{
  display:none;padding:0 0 32px;
  font-size:16px;color:var(--ink-2);line-height:1.7;
  max-width:760px;
}
.faq-item.open .faq-a{display:block;animation:fadeIn .3s}

/* ============================================================
   ARTICLE (legal pages)
   ============================================================ */
.article-wrap{background:var(--bone);padding:80px 0 100px}
.article{max-width:780px;margin:0 auto;padding:0 40px}
@media (max-width:780px){.article{padding:0 22px}}
.article .meta{
  font-family:'JetBrains Mono',monospace;font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.16em;color:var(--muted);
  padding-bottom:24px;border-bottom:1px solid var(--rule-soft);margin-bottom:48px;
}
.article h2{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:36px;letter-spacing:-.015em;
  margin:56px 0 18px;line-height:1.1;color:var(--ink);
}
.article h2 .it{font-style:italic;color:var(--vermilion)}
.article h3{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:24px;letter-spacing:-.01em;
  margin:36px 0 14px;line-height:1.2;color:var(--ink);
}
.article p{margin-bottom:18px;color:var(--ink-2);font-size:16px;line-height:1.75}
.article ul, .article ol{margin:18px 0 18px 22px;color:var(--ink-2)}
.article li{margin-bottom:10px;line-height:1.7;font-size:15.5px}
.article a{color:var(--vermilion);border-bottom:1px solid currentColor;transition:opacity .2s}
.article a:hover{opacity:.7}
.article strong{color:var(--ink);font-weight:600}
.article blockquote{
  border-left:2px solid var(--vermilion);
  padding:8px 0 8px 24px;margin:28px 0;
  font-family:'Instrument Serif',serif;font-style:italic;font-weight:400;
  font-size:22px;line-height:1.4;color:var(--ink);
}
.article .info-box{
  background:var(--bone-2);
  border-left:2px solid var(--vermilion);
  padding:28px 30px;margin:36px 0;
}
.article .info-box strong{display:block;margin-bottom:10px;font-size:18px;font-family:'Instrument Serif',serif;font-weight:400}
.article .info-box p{margin-bottom:0;font-size:15px}

/* ============================================================
   TEAM (about)
   ============================================================ */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:48px;border-top:1px solid var(--rule);border-left:1px solid var(--rule)}
@media (max-width:880px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.team-grid{grid-template-columns:1fr;border-left:none}}
.team-card{
  background:var(--bone);
  padding:32px;
  border-right:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  transition:background .25s;
}
.team-card:hover{background:var(--paper)}
.team-card .pic{
  width:88px;height:88px;border-radius:50%;
  margin-bottom:24px;
}
.team-card .p1{background:linear-gradient(135deg,#E0431F,#B33419)}
.team-card .p2{background:linear-gradient(135deg,#3D5A80,#0F1838)}
.team-card .p3{background:linear-gradient(135deg,#5C7A4A,#2D3F22)}
.team-card .p4{background:linear-gradient(135deg,#0F1838,#3D5A80)}
.team-card .p5{background:linear-gradient(135deg,#E8A85C,#B0732D)}
.team-card .p6{background:linear-gradient(135deg,#5E4358,#2D2030)}
.team-card h4{font-family:'Instrument Serif',serif;font-weight:400;font-size:24px;letter-spacing:-.01em;margin-bottom:6px;color:var(--ink);line-height:1.1}
.team-card .role{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--vermilion);margin-bottom:16px;
}
.team-card p{font-size:14px;color:var(--ink-2);line-height:1.6}

/* ============================================================
   JOBS
   ============================================================ */
.jobs{margin-top:40px;border-top:1px solid var(--rule)}
.job{
  display:grid;grid-template-columns:2fr 1fr 1fr auto;gap:24px;
  padding:28px 0;
  border-bottom:1px solid var(--rule-soft);
  align-items:center;transition:all .2s;
  text-decoration:none;color:var(--ink);
}
.job:hover{padding-left:14px;padding-right:14px;background:var(--bone-2)}
.job h4{font-family:'Instrument Serif',serif;font-weight:400;font-size:24px;letter-spacing:-.01em;margin-bottom:5px;line-height:1.1}
.job .dept{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.12em;color:var(--vermilion);
}
.job .loc, .job .type{font-size:14px;color:var(--ink-2)}
.job .arr{
  width:36px;height:36px;border-radius:50%;
  border:1px solid var(--ink);color:var(--ink);
  display:flex;align-items:center;justify-content:center;transition:all .25s;
}
.job:hover .arr{background:var(--vermilion);border-color:var(--vermilion);color:var(--white);transform:rotate(-45deg)}
@media (max-width:780px){
  .job{grid-template-columns:1fr;gap:8px;padding:24px 0}
  .job:hover{padding-left:0;padding-right:0}
  .job .arr{display:none}
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;padding:60px 0}
@media (max-width:880px){.contact-grid{grid-template-columns:1fr;gap:32px}}
.contact-card{
  padding:32px;background:var(--bone);
  border:1px solid var(--rule);
  margin-bottom:18px;transition:background .2s;
}
.contact-card:hover{background:var(--bone-2)}
.contact-card h4{
  font-family:'Instrument Serif',serif;font-weight:400;font-size:24px;letter-spacing:-.01em;
  margin-bottom:6px;color:var(--ink);line-height:1.1;
}
.contact-card h4 .it{font-style:italic;color:var(--vermilion)}
.contact-card .ct-meta{
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.12em;
  color:var(--muted);margin-bottom:16px;
}
.contact-card p{color:var(--ink-2);font-size:14.5px;line-height:1.7;margin-bottom:10px}
.contact-card p:last-child{margin-bottom:0}
.contact-card a{color:var(--vermilion);font-weight:600;border-bottom:1px solid transparent;transition:border-color .2s}
.contact-card a:hover{border-color:currentColor}

/* ============================================================
   REVEAL
   ============================================================ */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .9s ease, transform .9s ease}
.reveal.in{opacity:1;transform:translateY(0)}

/* ============================================================
   LEGACY SECTION CLASSES & ALIASES — these classes appear in
   loan-personal.html etc. Map them to the new design system.
   ============================================================ */

/* page-header-top maps to page-meta */
.page-header-top{
  display:flex;justify-content:space-between;align-items:center;
  padding:14px 0;margin-bottom:48px;
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  font-family:'JetBrains Mono',monospace;
  font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--ink-2);
}
.page-header-top .crumbs a{color:var(--ink-2);transition:color .2s}
.page-header-top .crumbs a:hover{color:var(--vermilion)}
.page-header-top .crumbs span.sep{margin:0 8px;color:var(--muted)}
@media (max-width:600px){.page-header-top{flex-direction:column;align-items:flex-start;gap:6px}}

/* page-title with .accent span inside */
.page-title .accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}
.page-lead .accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}

/* Loan hero structure (used inside .page-header on loan pages) */
.loan-hero{
  display:grid;grid-template-columns:1.3fr 1fr;gap:80px;align-items:end;
  margin-top:20px;
}
@media (max-width:980px){.loan-hero{grid-template-columns:1fr;gap:48px}}

/* Loan hero stats — light bone variant matching page-header bg */
.loan-hero-stats{
  display:grid;grid-template-columns:1fr 1fr;
  border:1px solid var(--rule);
  background:var(--paper);
}
.loan-hero-stats > div{
  padding:24px;
  border-right:1px solid var(--rule-soft);
  border-bottom:1px solid var(--rule-soft);
}
.loan-hero-stats > div:nth-child(2n){border-right:none}
.loan-hero-stats > div:nth-child(n+3){border-bottom:none}
.loan-hero-stats .s-label{
  font-family:'JetBrains Mono',monospace;
  font-size:10px;font-weight:500;
  text-transform:uppercase;letter-spacing:.14em;
  color:var(--ink-2);margin-bottom:12px;
}
.loan-hero-stats .s-value{
  font-family:'Instrument Serif',serif;
  font-size:32px;font-weight:400;letter-spacing:-.015em;
  line-height:1;color:var(--ink);
}
.loan-hero-stats .s-value .accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}

/* section-header (used on rates-wrap, faq, etc.) */
.section-header{margin-bottom:60px;max-width:780px}
.section-header .eyebrow{margin-bottom:18px}
.section-header h2{
  font-family:'Instrument Serif',serif;font-weight:400;
  font-size:clamp(36px,4.5vw,56px);
  line-height:1.02;letter-spacing:-.02em;color:var(--ink);
}
.section-header h2 .accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}
.section-header p{margin-top:18px;font-size:16px;color:var(--ink-2);max-width:580px;line-height:1.6}

/* section-wrap is just an alias of .wrap */
.section-wrap, .section-narrow{max-width:1380px;margin:0 auto;padding:0 40px}
.section-narrow{max-width:920px}
@media (max-width:780px){.section-wrap,.section-narrow{padding:0 22px}}

/* legacy section padding */
.loans{padding:80px 0;background:var(--bone)}
.how{padding:80px 0;background:var(--bone-2)}
.calc-section{padding:80px 0;background:var(--bone)}
.partners-section{padding:80px 0;background:var(--bone-2)}
.why{padding:80px 0;background:var(--bone)}
.faq{padding:80px 0;background:var(--bone)}

/* Legacy .step (sibling alias of .step-item) */
.step{
  padding:48px 32px;
  border-right:1px solid var(--rule-soft);
  position:relative;
  background:var(--bone);
}
.step:last-child{border-right:none}
@media (max-width:880px){
  .step{border-right:none;border-bottom:1px solid var(--rule-soft);padding:36px 28px}
  .step:last-child{border-bottom:none}
}
.step .step-num{
  font-family:'JetBrains Mono', monospace;
  font-size:11px;font-weight:500;
  letter-spacing:.16em;color:var(--vermilion);
  text-transform:uppercase;margin-bottom:32px;
  display:block;
}
.step h3{
  font-family:'Instrument Serif',serif;
  font-weight:400;font-size:28px;
  line-height:1.05;letter-spacing:-.015em;
  margin-bottom:14px;color:var(--ink);
}
.step h3 .accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}
.step p{font-size:15px;color:var(--ink-2);line-height:1.65}

/* Re-style .steps container for both .step-item and .step */
.steps{
  display:grid;grid-template-columns:repeat(3,1fr);gap:0;
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  margin-top:48px;
}
@media (max-width:880px){.steps{grid-template-columns:1fr}}

/* .accent stand-alone (used in body text) — italic vermilion */
.accent{font-style:italic;color:var(--vermilion);font-family:'Instrument Serif',serif}

/* legacy form-page CTA strip context */
.form-page + .cta-strip{margin-top:0}

/* Loan-grid: legacy 4-card horizontal — keep with new editorial style */
.loan-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);
}
@media (max-width:1000px){.loan-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr}}

/* Two-col paragraph content under heading */
.two-col .content{margin-top:16px}