/* Global smooth scrolling + horizontal clip WITHOUT breaking position:sticky.
   Only clip on html — overflow-x on BOTH html+body makes body a scroll container
   and kills sticky pinning (How it works desktop steps). */
html {
    scroll-behavior: smooth;
    overflow-x: clip;
    max-width: 100%;
    width: 100%;
    overscroll-behavior-x: none;
}

body {
    max-width: 100%;
    width: 100%;
    position: relative;
    overflow-x: visible;
    overscroll-behavior-x: none;
}

/* App form panel open — allow vertical scrolling when the embedded form grows */
body.app-panel-open {
    background: #ffffff !important;
    overflow-x: hidden;
    overflow-y: auto;
}

/* One header only: sticky site header sits above the iframe panel */
body.app-panel-open #site-header {
    z-index: 600;
}

/* heroStage stays in flow but hidden — back face covers everything */
body.app-panel-open #heroStage.is-flipped {
    visibility: hidden;
}

/* Back face breaks out of the flip card 3D context and goes full screen */
body.app-panel-open .hero-face--back {
    position: fixed !important;
    top: 68px;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100vw;
    height: calc(100vh - 68px);
    height: calc(100dvh - 68px);
    z-index: 550;
    transform: none !important;
    backface-visibility: visible;
    -webkit-backface-visibility: visible;
    background: #ffffff;
    visibility: visible;
    pointer-events: auto;
    display: flex;
    flex-direction: column;
    overflow: visible;
}

/* Hide floating UI elements while panel is open */
body.app-panel-open #scroll-to-top,
body.app-panel-open #float-cta { display: none !important; }

/* Exit popup must sit above sticky header, drawer, and iframe panel layers. */
body.exit-popup-open #scroll-to-top,
body.exit-popup-open #float-cta { display: none !important; }

/* Fallback for browsers without overflow: clip — still only on html */
@supports not (overflow: clip) {
    html {
        overflow-x: hidden;
    }
}

/* Body lock while exit popup / modals are open — prevents mobile viewport shift */
html.is-scroll-locked {
    overflow: hidden !important;
    overscroll-behavior: none;
}

html.is-scroll-locked body {
    position: fixed !important;
    left: 0 !important;
    right: 0 !important;
    width: 100% !important;
    max-width: 100% !important;
    overflow: hidden !important;
    overscroll-behavior: none;
    touch-action: none;
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }
}

/* Hero background video - layout-neutral and desktop-only */
.hero-bg {
    overflow: hidden;
    isolation: isolate;
}

.hero-bg-poster,
.hero-bg-video {
    z-index: 0;
}

.hero-bg-video {
    position: absolute;
    inset: 0;
    display: none;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: 85% 15%;
    opacity: 0;
    transition: opacity 0.7s ease;
}

.hero-bg-video.is-playing {
    opacity: 1;
}

@media (min-width: 1024px) {
    .hero-bg-video {
        display: block;
    }
}

@media (prefers-reduced-motion: reduce) {
    .hero-bg-video {
        display: none !important;
    }
}

/* Hero H1 — Montserrat readability */
.hero-heading {
    text-rendering: optimizeLegibility;
    -webkit-font-smoothing: antialiased;
}

/* Hero accent word — Instrument Serif italic + marker highlight */
.hero-accent {
    font-size: 1.06em;
    line-height: 1;
    letter-spacing: -0.01em;
    padding: 0 0.12em 0 0.06em;
    vertical-align: baseline;
    font-weight: 400;
}

.hero-rotate {
    vertical-align: baseline;
}

.hero-rotate-inner {
    position: relative;
}

.hero-rotate-word {
    display: inline-block;
    opacity: 1;
    transform: translateY(0);
    transition:
        opacity 0.4s cubic-bezier(0.33, 1, 0.68, 1),
        transform 0.4s cubic-bezier(0.33, 1, 0.68, 1);
}
.hero-rotate-word.is-exit {
    opacity: 0;
    transform: translateY(-0.45em);
}
.hero-rotate-word.is-enter {
    opacity: 0;
    transform: translateY(0.45em);
}
.hero-rotate-word.is-enter-active {
    opacity: 1;
    transform: translateY(0);
}

/* Highlighter sweep — sized to the visible word only */
.hero-accent-mark {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0.06em;
    height: 0.48em;
    border-radius: 3px;
    background: linear-gradient(
        95deg,
        rgba(255, 107, 53, 0.55) 0%,
        rgba(255, 140, 80, 0.42) 55%,
        rgba(232, 86, 31, 0.35) 100%
    );
    transform: skewX(-6deg) scaleX(0);
    transform-origin: left center;
    animation: hero-accent-mark-in 0.85s cubic-bezier(0.33, 1, 0.68, 1) 0.45s forwards;
    z-index: 0;
}
.hero-accent-mark.is-replay {
    animation: none;
    transform: skewX(-6deg) scaleX(0);
}
.hero-accent-mark.is-replay.is-playing {
    animation: hero-accent-mark-in 0.75s cubic-bezier(0.33, 1, 0.68, 1) forwards;
}
@keyframes hero-accent-mark-in {
    to { transform: skewX(-6deg) scaleX(1); }
}

@media (prefers-reduced-motion: reduce) {
    .hero-rotate-word {
        transition: none;
    }
    .hero-accent-mark {
        animation: none;
        transform: skewX(-6deg) scaleX(1);
    }
    .hero-accent-mark.is-replay.is-playing {
        animation: none;
        transform: skewX(-6deg) scaleX(1);
    }
}

/* Legacy alias kept for safety */
.draw-underline {
    stroke-dasharray: 100;
    stroke-dashoffset: 100;
    animation: draw 1s ease-out forwards;
    animation-delay: 0.5s;
}
@keyframes draw {
    to { stroke-dashoffset: 0; }
}

/* Quick select buttons — transparent glass style */
.quick-btn {
    position: relative;
    background-color: transparent;
    color: #ffffff;
    transition: background-color 0.2s ease, border-color 0.2s ease,
                color 0.2s ease, transform 0.2s ease;
}
.quick-btn:not(.active-btn):hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.45);
    color: #ffffff;
    transform: translateY(-1px);
}

/* Active state for quick select buttons */
.quick-btn.active-btn {
    background: #FF6B35;
    color: #ffffff;
    border-color: #FF6B35;
    transform: translateY(-1px);
}

/* Clean iframe panel loader — replaces cinematic chip/bloom animation */
@keyframes spin-ring {
    to { transform: rotate(360deg); }
}
@keyframes panel-fade-in {
    from { opacity: 0; }
    to   { opacity: 1; }
}

.iframe-loading-overlay {
    position: absolute;
    inset: 0;
    z-index: 20;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    background: #ffffff;
    animation: panel-fade-in 0.18s ease both;
    pointer-events: none;
}

.iframe-loading-overlay.is-hidden {
    opacity: 0;
    transition: opacity 0.32s ease;
    pointer-events: none;
}

.iframe-loading-ring {
    width: 44px;
    height: 44px;
    border-radius: 999px;
    border: 2.5px solid rgba(45, 22, 84, 0.1);
    border-top-color: #FF6B35;
    animation: spin-ring 0.75s linear infinite;
}

.iframe-loading-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #9e8fb5;
}

/* Lead form loader shown while the iframe prepares off-screen */
.lead-form-loading-overlay {
    position: absolute;
    inset: 0;
    z-index: 30;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.25rem;
    border-radius: inherit;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transition: opacity 0.22s ease, visibility 0.22s ease;
}

.lead-form-loading-overlay.is-hidden {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}

.lead-form-loading-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    min-width: min(240px, 100%);
    padding: 1.35rem 1.5rem 1.25rem;
    border: 1px solid rgba(255, 107, 53, 0.14);
    border-radius: 18px;
    background:
        radial-gradient(circle at 50% 0%, rgba(255, 107, 53, 0.12), transparent 60%),
        #ffffff;
    box-shadow:
        0 18px 42px rgba(45, 22, 84, 0.14),
        inset 0 1px 0 rgba(255, 255, 255, 0.9);
    animation: panel-fade-in 0.2s ease both;
}

.lead-form-loading-ring {
    width: 42px;
    height: 42px;
    margin-bottom: 0.85rem;
    border-radius: 999px;
    border: 3px solid rgba(45, 22, 84, 0.1);
    border-top-color: #FF6B35;
    border-right-color: rgba(255, 107, 53, 0.5);
    animation: spin-ring 0.75s linear infinite;
}

.lead-form-loading-title {
    margin: 0;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.9rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #2D1654;
}

.lead-form-loading-sub {
    margin: 0.35rem 0 0;
    font-size: 0.78rem;
    font-weight: 500;
    color: #7a6a94;
    text-align: center;
}

/* Continue button — solid + shimmer sweep */
.continue-btn {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    padding: 1rem 1.35rem;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 14px;
    background: #FF6B35;
    color: #ffffff;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.0625rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    line-height: 1;
    cursor: pointer;
    box-shadow: 0 4px 16px -4px rgba(255, 107, 53, 0.5), 0 8px 24px -10px rgba(0, 0, 0, 0.35);
    transition:
        transform 0.22s cubic-bezier(0.33, 1, 0.68, 1),
        background 0.22s ease,
        box-shadow 0.22s ease,
        border-color 0.22s ease;
}
.continue-btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -150%;
    width: 60%;
    height: 100%;
    background: linear-gradient(
        100deg,
        transparent 0%,
        rgba(255, 255, 255, 0) 20%,
        rgba(255, 255, 255, 0.28) 50%,
        rgba(255, 255, 255, 0) 80%,
        transparent 100%
    );
    transform: skewX(-20deg);
    animation: continue-shimmer 4.5s ease-in-out infinite;
    pointer-events: none;
    z-index: 0;
}
@keyframes continue-shimmer {
    0%, 35% { left: -150%; }
    65%, 100% { left: 150%; }
}
.continue-btn:hover {
    background: #E8561F;
    transform: translateY(-2px);
    border-color: rgba(255, 255, 255, 0.28);
    box-shadow: 0 8px 24px -6px rgba(255, 107, 53, 0.6), 0 12px 32px -12px rgba(0, 0, 0, 0.4);
}
.continue-btn.is-loading,
.continue-btn:disabled {
    cursor: wait;
    opacity: 0.92;
    transform: none;
    pointer-events: none;
}
.continue-btn.is-loading::before {
    animation-duration: 1.6s;
}
.continue-btn:active {
    background: #E8561F;
    transform: translateY(0);
    box-shadow: 0 2px 10px -4px rgba(255, 107, 53, 0.45);
}
.continue-btn:focus-visible {
    outline: none;
    box-shadow:
        0 4px 16px -4px rgba(255, 107, 53, 0.55),
        0 0 0 3px rgba(255, 107, 53, 0.35);
}
.continue-btn-label {
    position: relative;
    z-index: 1;
}
.continue-btn-icon {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border-radius: 9999px;
    background: rgba(255, 255, 255, 0.16);
    transition: background 0.22s ease, transform 0.22s cubic-bezier(0.33, 1, 0.68, 1);
}
.continue-btn:hover .continue-btn-icon {
    background: rgba(255, 255, 255, 0.26);
    transform: translateX(3px);
}

@media (prefers-reduced-motion: reduce) {
    .continue-btn::before { animation: none; display: none; }
    .continue-btn,
    .continue-btn-icon {
        transition: none;
    }
    .continue-btn:hover {
        transform: none;
    }
    .continue-btn:hover .continue-btn-icon {
        transform: none;
    }
    .quick-btn { transition: none; }
}

/* Clean up inputs */
input:focus { outline: none; }
#customAmount::placeholder { font-weight: 600; }

/* Custom scrollbar */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: #2D1654; }
::-webkit-scrollbar-thumb { background: #3D1D70; border-radius: 4px; }


@media (prefers-reduced-motion: reduce) {
    .badge-float-1,
    .badge-float-2 {
        animation: none !important;
    }
}

/* Apply / steps section — scroll arrow bounce */
@keyframes hiw-scroll-arrow {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(12px); }
}
.hiw-scroll-arrow.is-visible {
    animation: hiw-scroll-arrow 2.2s ease-in-out infinite;
}

@media (prefers-reduced-motion: reduce) {
    .hiw-scroll-arrow.is-visible {
        animation: none;
    }
}

/* =====================================================
   HOW IT WORKS — Simple 3-step (triballoans layout, 50k branding)
   ===================================================== */
.how50-section {
    background: #faf8ff;
    padding: 80px 80px 100px;
    position: relative;
    overflow: hidden;
}
.how50-inner {
    max-width: 1180px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 56px;
}
.how50-section::before {
    content: '';
    position: absolute;
    bottom: -60px;
    right: -60px;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255,107,53,0.07) 0%, transparent 70%);
    pointer-events: none;
}
.section-header-compact {
    text-align: center;
    width: 100%;
}
.section-header-compact .lt-headline {
    font-size: clamp(1.75rem, 3.4vw, 2.65rem);
    line-height: 1.08;
    margin-bottom: 16px;
    text-wrap: unset;
}
.section-header-compact .lt-headline em {
    font-family: 'Instrument Serif', Georgia, serif;
    font-style: italic;
    font-weight: 400;
    color: #FF6B35;
}
.section-header-compact .lt-subheadline {
    font-size: clamp(15px, 1.5vw, 17px);
    max-width: 680px;
}
@media (min-width: 768px) {
    .section-header-compact .lt-headline {
        white-space: nowrap;
    }
}
.how50-body {
    display: grid;
    grid-template-columns: 480px 1fr;
    gap: 56px;
    align-items: center;
    max-width: 1060px;
    width: 100%;
}
.how50-img-wrap {
    position: relative;
}
.how50-img {
    width: 100%;
    height: 540px;
    object-fit: cover;
    border-radius: 28px;
    display: block;
    box-shadow: 0 20px 60px rgba(45, 22, 84, 0.15);
}
.how50-badge {
    position: absolute;
    bottom: 28px;
    left: 28px;
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255, 255, 255, 0.7);
    border-radius: 16px;
    padding: 12px 18px;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 4px 20px rgba(45, 22, 84, 0.12);
}
.how50-badge-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.88rem;
    font-weight: 800;
    color: #2D1654;
    line-height: 1;
}
.how50-badge-sub {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.65rem;
    font-weight: 500;
    color: #64748b;
    margin-top: 2px;
}
.how50-steps {
    display: flex;
    flex-direction: column;
    gap: 18px;
}
.how50-step-card {
    background: #fff;
    border-radius: 16px;
    padding: 20px 22px;
    box-shadow: 0 6px 28px rgba(45, 22, 84, 0.09), 0 2px 6px rgba(45, 22, 84, 0.05);
    border: 1px solid #ede8f7;
    display: flex;
    align-items: center;
    gap: 16px;
    transition: transform 0.22s cubic-bezier(0.22,1,0.36,1), box-shadow 0.22s ease;
    max-width: 420px;
    will-change: transform, opacity;
}
.how50-step-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 40px rgba(45, 22, 84, 0.14);
}
.how50-step-card:nth-child(2) {
    margin-left: 48px;
}
.how50-step-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 3.8rem;
    font-weight: 600;
    color: #FF6B35;
    line-height: 1;
    flex-shrink: 0;
    width: 68px;
    text-align: left;
}
.how50-step-text {
    display: flex;
    flex-direction: column;
    gap: 5px;
    min-width: 0;
}
.how50-step-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.05rem;
    font-weight: 700;
    color: #2D1654;
    margin: 0;
}
.how50-step-card p {
    font-size: 0.93rem;
    color: #64748b;
    line-height: 1.7;
    margin: 0;
}

@media (max-width: 1100px) {
    .how50-body { grid-template-columns: 1fr 1fr; gap: 40px; }
    .how50-section { padding: 72px 52px 88px; }
    .how50-img { height: 420px; }
}
@media (max-width: 768px) {
    .how50-section { padding: 56px 32px 72px; }
    .how50-body { grid-template-columns: 1fr; gap: 40px; }
    .how50-img { height: 320px; }
    .how50-step-card:nth-child(2) { margin-left: 0; }
    .how50-step-card { max-width: 100%; }
}
@media (max-width: 480px) {
    .how50-section { padding: 48px 20px 64px; }
    .how50-img { height: 260px; border-radius: 20px; }
    .how50-badge { bottom: 16px; left: 16px; padding: 10px 14px; }
    .how50-step-num { font-size: 3rem; width: 56px; }
    .how50-step-card h3 { font-size: 0.9rem; }
}

/* FAQ accordion — smooth height + chevron */
.faq-item-panel {
    transition:
        background-color 0.4s cubic-bezier(0.33, 1, 0.68, 1),
        border-color 0.35s ease,
        box-shadow 0.35s ease;
}
.faq-item-panel:not(.is-expanded) {
    background-color: #fff;
    border-color: rgba(226, 232, 240, 0.9);
    box-shadow: 0 4px 24px -4px rgba(15, 23, 42, 0.08);
}
.faq-item-panel.is-expanded {
    background-color: #fff4ef;
    border-color: rgba(255, 107, 53, 0.25);
    box-shadow: 0 8px 30px -8px rgba(255, 107, 53, 0.18);
}
.faq-item-panel:not(.is-expanded):hover {
    border-color: rgb(203, 213, 225);
}

.faq-content-outer {
    display: grid;
    grid-template-rows: 0fr;
    opacity: 0;
    transition:
        grid-template-rows 0.45s cubic-bezier(0.33, 1, 0.68, 1),
        opacity 0.3s ease;
}
.faq-content-outer.is-expanded {
    grid-template-rows: 1fr;
    opacity: 1;
}
.faq-content-inner {
    overflow: hidden;
    min-height: 0;
}
.faq-item-panel .faq-icon {
    transition: transform 0.45s cubic-bezier(0.33, 1, 0.68, 1);
}
.faq-item-panel.is-expanded .faq-icon {
    transform: rotate(180deg);
}

@media (prefers-reduced-motion: reduce) {
    .faq-content-outer,
    .faq-item-panel,
    .faq-item-panel .faq-icon {
        transition: none;
    }
}


/* Nudge bubble — glassmorphism */
.nudge-glass {
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.15);
}

/* Nudge bubble — cursive bold percentage */
.nudge-pct {
    font-family: 'Montserrat', sans-serif;
    font-style: normal;
    font-size: 38px;
    font-weight: 900;
    letter-spacing: -1px;
    line-height: 1;
}

/* =====================================================
   IFRAME PANEL BACKGROUND — clean white
   ===================================================== */
.iframe-panel-bg {
    background: #ffffff;
}

/* =====================================================
   HERO FLIP CARD
   Stage provides perspective context.
   The card holds two faces and rotates on .is-flipped.
   ===================================================== */

/* Stage — matches the hero height dynamically */
.hero-stage {
    perspective: 1400px;
    perspective-origin: 50% 40%;
    overflow-x: clip;
    max-width: 100%;
    width: 100%;
}

/* The rotating card */
.hero-flip-card {
    position: relative;
    transform-style: preserve-3d;
    transition: transform 0.75s cubic-bezier(0.45, 0.05, 0.22, 1.00);
    will-change: transform;
    max-width: 100%;
    width: 100%;
}

/* Flip state — animate, then JS adds .is-flat so the iframe can paint */
.hero-flip-card.is-flipped {
    transform: rotateY(180deg);
}

/* Shared face styles */
.hero-face {
    position: relative;
    width: 100%;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
}

/* Front face — stacks on top normally, sets the card's height */
.hero-face--front {
    overflow: visible;
    max-width: 100%;
}

/* Back face — rotated 180° and absolutely overlaid */
.hero-face--back {
    position: absolute;
    inset: 0;
    transform: rotateY(180deg);
    overflow: hidden;
    min-height: 100%;
    height: 100%;
    max-width: 100%;
    background: #ffffff;
    /* Invisible when on its back — must NOT block page interaction */
    pointer-events: none;
    isolation: isolate;
}

/* Once flipped, back face is visible and interactive */
.hero-flip-card.is-flipped .hero-face--back {
    pointer-events: auto;
}

/* After flip animation: flatten 3D so the iframe paints reliably */
.hero-flip-card.is-flipped.is-flat {
    transform: none !important;
    transform-style: flat;
    will-change: auto;
    min-height: 100vh;
    min-height: 100dvh;
}

.hero-flip-card.is-flipped.is-flat .hero-face--front {
    display: none;
}

.hero-flip-card.is-flipped.is-flat .hero-face--back {
    position: relative;
    inset: auto;
    transform: none !important;
    -webkit-backface-visibility: visible;
    backface-visibility: visible;
    min-height: 100vh;
    min-height: 100dvh;
    height: auto;
    overflow: visible;
    background: #ffffff;
}

body.app-panel-open .hero-flip-card.is-flipped.is-flat .hero-face--back {
    position: relative !important;
    top: auto;
    left: auto;
    right: auto;
    bottom: auto;
    width: 100%;
    height: auto;
    min-height: calc(100dvh - 68px);
    overflow: visible;
}

body.app-panel-open .hero-flip-card.is-flipped.is-flat .iframe-panel-shell {
    height: auto;
    min-height: calc(100dvh - 68px);
}

/* Shell fills the back face */
.iframe-panel-shell {
    position: relative;
    z-index: 10;
    display: flex;
    flex-direction: column;
    width: 100%;
    height: 100%;
    background: #ffffff;
}

.iframe-panel-scroll {
    flex: 1 1 auto;
    min-height: 0;
    height: 100%;
    overflow-x: hidden;
    overflow-y: visible;
    -webkit-overflow-scrolling: touch;
    width: 100%;
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
    background: #ffffff;
}

#application-form {
    display: block;
    width: 100%;
    max-width: 100%;
    border: none;
    /* Fill the entire fixed panel — iframe content scrolls internally via scrolling="auto" */
    height: 100%;
    min-height: 100%;
    background: #ffffff;
}

body.app-panel-open .iframe-panel-shell {
    min-height: 0;
}

body.app-panel-open .iframe-panel-scroll {
    min-height: calc(100dvh - 68px);
    overscroll-behavior: auto;
}

@media (max-width: 768px) {
    #application-form {
        height: 100%;
    }
}

@media (min-width: 641px) and (max-width: 1024px) {
    body.app-panel-open .iframe-panel-shell {
        align-items: center;
    }

    body.app-panel-open .iframe-panel-scroll {
        width: min(640px, 100vw);
        max-width: 640px;
        align-self: center;
    }

    body.app-panel-open #application-form {
        width: 100%;
    }
}

/* While flipped, front face is hidden behind — disable its interactions */
.hero-flip-card.is-flipped .hero-face--front {
    pointer-events: none;
    visibility: hidden;
}

/* Fade out the hero background image once stage is flipped */
.hero-stage.is-flipped {
    background: #ffffff;
    overflow: visible;
    min-height: 100vh;
    min-height: 100dvh;
}

.hero-stage.is-flipped .hero-bg {
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.5s ease;
}
.hero-stage .hero-bg {
    transition: opacity 0.5s ease;
}

@media (max-width: 1023px) {
    .hero-stage {
        overflow-x: clip;
        overflow-y: visible;
        max-width: 100%;
        width: 100%;
    }
    .hero-stage.is-flipped {
        overflow: visible;
    }
    .hero-face--front {
        overflow-x: clip;
        overflow-y: visible;
        max-width: 100%;
    }
}

@media (prefers-reduced-motion: reduce) {
    .hero-flip-card {
        transition: none;
    }
}

/* =====================================================
   LOAN TYPES — Interactive Fintech Showcase
   ===================================================== */
.loan-types-section {
    position: relative;
    isolation: isolate;
    overflow: hidden;
    max-width: 100%;
}
.loan-types-section::before,
.loan-types-section::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    filter: blur(100px);
    z-index: 0;
    pointer-events: none;
}
.loan-types-section::before {
    width: 480px; height: 480px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.12), transparent 70%);
    top: 5%; left: -10%;
}
.loan-types-section::after {
    width: 520px; height: 520px;
    background: radial-gradient(circle, rgba(99, 102, 241, 0.08), transparent 70%);
    bottom: -5%; right: -8%;
}

/* Header stats strip */
.lt-stats {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
    margin: 28px auto 0;
    max-width: 720px;
}
.lt-stat {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 10px 20px 10px 14px;
    background: #ffffff;
    border: 1px solid rgba(15, 16, 22, 0.07);
    border-radius: 999px;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 1),
        0 6px 18px -8px rgba(15, 16, 22, 0.12);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.lt-stat:hover {
    transform: translateY(-2px);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 1),
        0 12px 28px -8px rgba(255, 107, 53, 0.22);
}
.lt-stat-icon {
    width: 30px; height: 30px;
    border-radius: 8px;
    background: linear-gradient(145deg, #fff5f0, #ffe4d4);
    color: #FF6B35;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border: 1px solid rgba(255, 107, 53, 0.18);
}
.lt-stat-num {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 18px;
    color: #0F1016;
    letter-spacing: -0.02em;
    line-height: 1;
}
.lt-stat-label {
    display: block;
    font-size: 11px;
    color: #94a3b8;
    font-weight: 500;
    letter-spacing: 0.04em;
    margin-top: 3px;
    line-height: 1;
}

/* ── Header typography ─────────────────────────────── */
.lt-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: #ffffff;
    border: 1px solid rgba(15, 16, 22, 0.08);
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    color: #FF6B35;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    box-shadow: 0 4px 14px -4px rgba(15, 16, 22, 0.08);
    margin-bottom: 24px;
}
.lt-eyebrow-dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: #FF6B35;
    box-shadow: 0 0 10px rgba(255, 107, 53, 0.7);
    animation: ltEyebrowPulse 2s ease-in-out infinite;
}
@keyframes ltEyebrowPulse {
    0%, 100% { opacity: 1; }
    50%      { opacity: 0.45; }
}
.lt-headline {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(2rem, 5vw, 3.25rem);
    line-height: 1.05;
    letter-spacing: -0.025em;
    color: #0F1016;
    margin-bottom: 18px;
    text-wrap: balance;
}
.lt-headline em {
    font-family: 'Instrument Serif', Georgia, serif;
    font-style: italic;
    font-weight: 400;
    color: #FF6B35;
}
.lt-subheadline {
    font-size: clamp(15px, 1.6vw, 18px);
    color: #64748b;
    font-weight: 300;
    line-height: 1.55;
    max-width: 580px;
    margin: 0 auto;
}

/* ── Showcase grid ─────────────────────────────────── */
.loan-showcase {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
    align-items: stretch;
}
@media (min-width: 1024px) {
    .loan-showcase {
        grid-template-columns: minmax(340px, 400px) 1fr;
        gap: 24px;
    }
}

/* ── Tabs panel — light theme matching stage size ── */
.loan-tabs {
    position: relative;
    display: flex;
    flex-direction: column;
    padding: 14px;
    background:
        radial-gradient(ellipse 70% 60% at 0% 100%, rgba(255, 107, 53, 0.07) 0%, transparent 60%),
        linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
    border: 1px solid rgba(15, 16, 22, 0.07);
    border-radius: 28px;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 1),
        0 1px 2px rgba(15, 16, 22, 0.04),
        0 30px 60px -20px rgba(15, 16, 22, 0.16);
    isolation: isolate;
    overflow: hidden;
    min-height: 480px;
}

/* List wrapper — fills remaining vertical space */
.loan-tabs-list {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    gap: 6px;
    flex: 1;
}

/* Fluid sliding active indicator */
.loan-tab-indicator {
    position: absolute;
    top: 0;
    left: 0;
    z-index: 1;
    border-radius: 18px;
    background: linear-gradient(135deg, #FF6B35 0%, #E8561F 100%);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.32),
        0 1px 2px rgba(255, 107, 53, 0.2),
        0 12px 28px -6px rgba(255, 107, 53, 0.45);
    pointer-events: none;
    will-change: transform, width, height;
    transition:
        transform 0.58s cubic-bezier(0.34, 1.15, 0.64, 1),
        width 0.48s cubic-bezier(0.22, 1, 0.36, 1),
        height 0.48s cubic-bezier(0.22, 1, 0.36, 1),
        border-radius 0.35s ease;
}
.loan-tab-indicator::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: radial-gradient(ellipse 80% 60% at 0% 0%, rgba(255, 255, 255, 0.18), transparent 65%);
}
.loan-tab-indicator.is-pill {
    border-radius: 999px;
}

/* Subtle grid pattern */
.loan-tabs::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(15, 16, 22, 0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(15, 16, 22, 0.04) 1px, transparent 1px);
    background-size: 42px 42px;
    -webkit-mask: radial-gradient(ellipse 90% 70% at 30% 30%, #000 30%, transparent 85%);
            mask: radial-gradient(ellipse 90% 70% at 30% 30%, #000 30%, transparent 85%);
    opacity: 0.5;
    pointer-events: none;
    z-index: 0;
}

/* Panel header */
.loan-tabs-header {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 10px 14px;
    border-bottom: 1px solid rgba(15, 16, 22, 0.07);
    margin-bottom: 8px;
}
.loan-tabs-header-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'Montserrat', sans-serif;
    font-size: 10.5px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: #475569;
}
.loan-tabs-header-label::before {
    content: '';
    width: 6px; height: 6px;
    border-radius: 50%;
    background: #FF6B35;
    box-shadow: 0 0 10px rgba(255, 107, 53, 0.7);
    animation: ltEyebrowPulse 2s ease-in-out infinite;
}
.loan-tabs-header-count {
    font-family: 'Montserrat', sans-serif;
    font-size: 10px;
    font-weight: 700;
    color: #cbd5e1;
    letter-spacing: 0.1em;
}

/* Individual tab — light themed, equal height via flex */
.loan-tab {
    position: relative;
    flex: 1;
    min-height: 64px;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 16px;
    background: transparent;
    border: 1px solid transparent;
    border-radius: 18px;
    cursor: pointer;
    text-align: left;
    width: 100%;
    font-family: inherit;
    color: #0F1016;
    transition:
        background 0.35s cubic-bezier(0.22, 1, 0.36, 1),
        border-color 0.3s ease,
        box-shadow 0.35s cubic-bezier(0.22, 1, 0.36, 1),
        transform 0.3s ease;
    overflow: hidden;
    z-index: 2;
}
.loan-tab:hover {
    background: rgba(15, 16, 22, 0.035);
    border-color: rgba(15, 16, 22, 0.06);
}
.loan-tab[aria-selected="true"] {
    border-color: transparent;
    box-shadow: none;
    background: transparent;
}
.loan-tab[aria-selected="true"]::after {
    display: none;
}

.loan-tab-num {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 11px;
    color: #cbd5e1;
    letter-spacing: 0.16em;
    flex-shrink: 0;
    width: 20px;
    text-align: center;
    transition: color 0.3s ease;
    position: relative;
    z-index: 1;
}
.loan-tab[aria-selected="true"] .loan-tab-num {
    color: rgba(255, 255, 255, 0.65);
}

.loan-tab-icon {
    width: 40px; height: 40px;
    border-radius: 12px;
    background: linear-gradient(145deg, #ffffff, #f1f5f9);
    border: 1px solid rgba(15, 16, 22, 0.06);
    color: #475569;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all 0.4s cubic-bezier(0.22, 1, 0.36, 1);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 1),
        0 1px 2px rgba(15, 16, 22, 0.04);
    position: relative;
    z-index: 1;
}
.loan-tab:hover .loan-tab-icon {
    color: #FF6B35;
    border-color: rgba(255, 107, 53, 0.25);
}
.loan-tab[aria-selected="true"] .loan-tab-icon {
    background: rgba(255, 255, 255, 0.2);
    color: #ffffff;
    border-color: rgba(255, 255, 255, 0.3);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.3),
        0 2px 8px rgba(0, 0, 0, 0.12);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.loan-tab-text {
    flex: 1;
    min-width: 0;
    display: flex;
    flex-direction: column;
    gap: 3px;
    position: relative;
    z-index: 1;
}
.loan-tab-title {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 14.5px;
    color: #0F1016;
    line-height: 1.2;
    letter-spacing: -0.005em;
    transition: color 0.3s ease;
}
.loan-tab-sub {
    font-size: 11.5px;
    color: #94a3b8;
    font-weight: 500;
    line-height: 1.3;
    transition: color 0.3s ease;
}
.loan-tab[aria-selected="true"] .loan-tab-title { color: #ffffff; }
.loan-tab[aria-selected="true"] .loan-tab-sub   { color: rgba(255, 255, 255, 0.82); }

.loan-tab-arrow {
    width: 16px; height: 16px;
    color: #cbd5e1;
    flex-shrink: 0;
    transition: all 0.35s ease;
    position: relative;
    z-index: 1;
}
.loan-tab:hover .loan-tab-arrow {
    color: #FF6B35;
    transform: translateX(3px);
}
.loan-tab[aria-selected="true"] .loan-tab-arrow {
    color: #ffffff;
    transform: translateX(0);
}

/* ── Stage (right column) ──────────────────────────── */
.loan-stage {
    position: relative;
    border-radius: 28px;
    background:
        radial-gradient(ellipse 80% 60% at 80% 0%, rgba(255, 107, 53, 0.18) 0%, transparent 60%),
        linear-gradient(140deg, #120821 0%, #2D1654 55%, #3D2070 100%);
    overflow: hidden;
    min-height: 480px;
    padding: 40px 36px;
    box-shadow:
        0 1px 2px rgba(18, 8, 33, 0.08),
        0 30px 60px -20px rgba(18, 8, 33, 0.55);
    isolation: isolate;
    color: #ffffff;
}
.loan-stage-grid {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
    background-size: 42px 42px;
    -webkit-mask: radial-gradient(ellipse 90% 70% at 70% 40%, #000 30%, transparent 85%);
            mask: radial-gradient(ellipse 90% 70% at 70% 40%, #000 30%, transparent 85%);
    opacity: 0.6;
    pointer-events: none;
    z-index: 0;
}
.loan-stage-orb {
    position: absolute;
    top: -100px; right: -100px;
    width: 360px; height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle at 30% 30%, rgba(255, 107, 53, 0.45), rgba(232, 86, 31, 0.15) 50%, transparent 75%);
    filter: blur(20px);
    pointer-events: none;
    z-index: 0;
    animation: ltOrbFloat 8s ease-in-out infinite;
}
@keyframes ltOrbFloat {
    0%, 100% { transform: translate(0, 0) scale(1); }
    50%      { transform: translate(-24px, 20px) scale(1.08); }
}

/* Slides — stacked via grid, only active visible */
.loan-slides {
    position: relative;
    z-index: 1;
    display: grid;
    height: 100%;
    min-height: 420px;
}
.loan-slide {
    grid-area: 1 / 1;
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: scale(0.988);
    z-index: 1;
    transition:
        opacity 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        transform 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        visibility 0s linear 0.58s;
}
@media (min-width: 1024px) {
    .loan-slide {
        grid-template-columns: 1fr 300px;
        gap: 36px;
        align-items: center;
    }
}
.loan-slide.is-active {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: scale(1);
    z-index: 2;
    transition:
        opacity 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        transform 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        visibility 0s linear 0s;
}
.loan-slide.is-leaving {
    opacity: 0;
    visibility: visible;
    pointer-events: none;
    transform: scale(1.012);
    z-index: 1;
    transition:
        opacity 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        transform 0.58s cubic-bezier(0.22, 1, 0.36, 1),
        visibility 0s linear 0.58s;
}
.loan-slide-content {
    display: flex;
    flex-direction: column;
    min-width: 0;
}
.loan-slide-visual {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    order: -1;
}
@media (min-width: 1024px) {
    .loan-slide-visual { order: 0; }
}

/* Tagline pill */
.loan-slide-tagline {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    align-self: flex-start;
    padding: 6px 12px;
    margin-bottom: 22px;
    background: rgba(255, 107, 53, 0.14);
    border: 1px solid rgba(255, 107, 53, 0.3);
    color: #FF8755;
    border-radius: 999px;
    font-size: 10.5px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}
.loan-slide-tagline::before {
    content: '';
    width: 5px; height: 5px;
    border-radius: 50%;
    background: #FF6B35;
    box-shadow: 0 0 8px rgba(255, 107, 53, 0.8);
}

/* Icon — large, gradient, glowing */
.loan-slide-icon {
    width: 60px; height: 60px;
    border-radius: 18px;
    background: linear-gradient(145deg, #FF6B35, #E8561F);
    color: #ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 22px;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.3),
        0 14px 32px -6px rgba(255, 107, 53, 0.55);
    position: relative;
}
.loan-slide-icon::after {
    content: '';
    position: absolute;
    inset: -10px;
    border-radius: 26px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.35), transparent 70%);
    filter: blur(20px);
    z-index: -1;
}

.loan-slide-title {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: clamp(22px, 2.8vw, 32px);
    color: #ffffff;
    line-height: 1.15;
    letter-spacing: -0.015em;
    margin-bottom: 12px;
    text-wrap: balance;
}
.loan-slide-title em {
    font-family: 'Instrument Serif', Georgia, serif;
    font-style: italic;
    font-weight: 400;
    color: #FF8755;
}
.loan-slide-desc {
    font-size: 15px;
    color: #cbd5e1;
    line-height: 1.6;
    font-weight: 300;
    max-width: 540px;
    margin-bottom: 22px;
}

/* Feature chips */
.loan-slide-features {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
}
.loan-slide-feature {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 13px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 999px;
    font-size: 12px;
    color: #e2e8f0;
    font-weight: 500;
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
    transition: all 0.3s ease;
}
.loan-slide-feature:hover {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 107, 53, 0.3);
}
.loan-slide-feature svg {
    color: #FF6B35;
    flex-shrink: 0;
}

/* Bottom row: CTA + small note */
.loan-slide-foot {
    margin-top: auto;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 18px;
}
.loan-slide-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 24px;
    background: linear-gradient(135deg, #FF6B35 0%, #E8561F 100%);
    color: #ffffff;
    border-radius: 999px;
    font-weight: 700;
    font-size: 14px;
    letter-spacing: 0.01em;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.3),
        0 10px 24px -6px rgba(255, 107, 53, 0.6);
    transition: transform 0.25s ease, box-shadow 0.3s ease;
    text-decoration: none;
}
.loan-slide-cta:hover {
    transform: translateY(-2px);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.3),
        0 14px 30px -6px rgba(255, 107, 53, 0.75);
}
.loan-slide-cta svg { transition: transform 0.3s ease; }
.loan-slide-cta:hover svg { transform: translateX(3px); }
.loan-slide-note {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.5);
    display: inline-flex;
    align-items: center;
    gap: 6px;
}
.loan-slide-note svg {
    color: #34d399;
    flex-shrink: 0;
}

/* Progress dots beneath stage on mobile */
.loan-progress {
    display: flex;
    justify-content: center;
    gap: 6px;
    margin-top: 16px;
}
.loan-progress-dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: rgba(15, 16, 22, 0.15);
    transition: all 0.3s ease;
}
.loan-progress-dot.is-active {
    width: 22px;
    border-radius: 999px;
    background: #FF6B35;
}

/* ── Custom SVG Scenes ─────────────────────────────── */
.loan-scene {
    width: 100%;
    max-width: 300px;
    height: auto;
    display: block;
    filter: drop-shadow(0 12px 30px rgba(255, 107, 53, 0.18));
}
.loan-scene-card {
    fill: rgba(255, 255, 255, 0.04);
    stroke: rgba(255, 255, 255, 0.1);
}
.loan-scene-text-dim   { fill: rgba(255, 255, 255, 0.45); }
.loan-scene-text-faint { fill: rgba(255, 255, 255, 0.32); }

/* Scene 1: Gauge arc draw + needle swing */
.loan-slide.is-active .scene-gauge-fill {
    animation: sceneGaugeFill 1.4s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}
@keyframes sceneGaugeFill {
    from { stroke-dashoffset: 100; }
    to   { stroke-dashoffset: 0; }
}
.loan-slide.is-active .scene-needle {
    animation: sceneNeedleSwing 1.6s cubic-bezier(0.34, 1.56, 0.64, 1) forwards;
    transform-origin: 0 0;
}
@keyframes sceneNeedleSwing {
    0%   { transform: rotate(-75deg); }
    60%  { transform: rotate(50deg); }
    100% { transform: rotate(32deg); }
}

/* Scene 2: Score bar fill */
.loan-slide.is-active .scene-bar-fill {
    animation: sceneBarFill 1.3s cubic-bezier(0.22, 1, 0.36, 1);
    transform-origin: left;
}
@keyframes sceneBarFill {
    from { transform: scaleX(0); }
    to   { transform: scaleX(1); }
}

/* Scene 3: Ring progress */
.loan-slide.is-active .scene-ring-fill {
    animation: sceneRingFill 1.6s cubic-bezier(0.22, 1, 0.36, 1);
}
@keyframes sceneRingFill {
    from { stroke-dashoffset: 565.5; }
    to   { stroke-dashoffset: 0; }
}
.scene-ring-tick {
    opacity: 0;
    animation: sceneTickPop 0.4s ease-out forwards;
}
.loan-slide.is-active .scene-ring-tick:nth-child(1) { animation-delay: 0.4s; }
.loan-slide.is-active .scene-ring-tick:nth-child(2) { animation-delay: 0.9s; }
.loan-slide.is-active .scene-ring-tick:nth-child(3) { animation-delay: 1.4s; }
@keyframes sceneTickPop {
    from { opacity: 0; transform: scale(0.4); }
    to   { opacity: 1; transform: scale(1); }
}

/* Scene 4: Debt cards stagger + lines draw */
.loan-slide.is-active .scene-debt {
    opacity: 0;
    animation: sceneDebtIn 0.6s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}
.loan-slide.is-active g:nth-child(2) > .scene-debt { animation-delay: 0.1s; }
.loan-slide.is-active g:nth-child(3) > .scene-debt { animation-delay: 0.2s; }
.loan-slide.is-active g:nth-child(4) > .scene-debt { animation-delay: 0.3s; }
.loan-slide.is-active g:nth-child(5) > .scene-debt { animation-delay: 0.4s; }
@keyframes sceneDebtIn {
    from { opacity: 0; transform: translateX(-12px); }
    to   { opacity: 1; transform: translateX(0); }
}
.loan-slide.is-active .scene-merge-line {
    animation: sceneLineDraw 1s ease-out;
    animation-delay: 0.5s;
}
@keyframes sceneLineDraw {
    from { stroke-dashoffset: 100; }
    to   { stroke-dashoffset: 0; }
}
.loan-slide.is-active .scene-merge-target {
    animation: sceneTargetPop 0.6s cubic-bezier(0.34, 1.56, 0.64, 1);
    animation-delay: 0.9s;
    animation-fill-mode: backwards;
    transform-origin: center;
}
@keyframes sceneTargetPop {
    from { opacity: 0; transform: scale(0.7); }
    to   { opacity: 1; transform: scale(1); }
}

/* Scene 5: Pulse rings — always animating */
.scene-pulse {
    transform-origin: center;
    transform-box: fill-box;
    animation: scenePulse 2.4s ease-out infinite;
    opacity: 0;
}
.scene-pulse:nth-child(2) { animation-delay: 0.8s; }
.scene-pulse:nth-child(3) { animation-delay: 1.6s; }
@keyframes scenePulse {
    0%   { transform: scale(0.5); opacity: 1; }
    100% { transform: scale(1.4); opacity: 0; }
}

@media (max-width: 1023px) {
    .loan-scene { max-width: 260px; }
}
@media (max-width: 640px) {
    .loan-scene { max-width: 100%; width: 100%; }
}

/* ── Trust Marquee (scrolling strip) ──────────────── */
.loan-marquee {
    margin-top: 48px;
    overflow: hidden;
    position: relative;
    padding: 18px 0;
    border-top: 1px solid rgba(15, 16, 22, 0.06);
    border-bottom: 1px solid rgba(15, 16, 22, 0.06);
    -webkit-mask: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
            mask: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.loan-marquee-track {
    display: flex;
    width: max-content;
    gap: 0;
    animation: loanMarquee 38s linear infinite;
}
.loan-marquee:hover .loan-marquee-track {
    animation-play-state: paused;
}
.loan-marquee-item {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 0 26px;
    color: #475569;
    font-size: 13px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    letter-spacing: -0.005em;
    white-space: nowrap;
}
.loan-marquee-item svg {
    color: #FF6B35;
    flex-shrink: 0;
}
.loan-marquee-sep {
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: rgba(15, 16, 22, 0.18);
    flex-shrink: 0;
    align-self: center;
}
@keyframes loanMarquee {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
}

/* ── Tablet & mobile layout ────────────────────────── */
@media (max-width: 1023px) {
    .loan-types-section {
        padding-top: 3rem;
        padding-bottom: 2rem;
    }

    .lt-headline {
        font-size: clamp(1.65rem, 6vw, 2.25rem);
    }
    .lt-subheadline {
        font-size: 15px;
        padding: 0 4px;
    }
    .section-header-compact .lt-headline {
        font-size: clamp(1.55rem, 5.5vw, 2rem);
        white-space: normal;
    }
    .section-header-compact .lt-subheadline {
        font-size: 15px;
        white-space: normal;
    }

    /* Stats — compact row */
    .lt-stats {
        gap: 8px;
        margin-top: 20px;
        justify-content: flex-start;
        overflow-x: auto;
        flex-wrap: nowrap;
        padding-bottom: 4px;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        -webkit-mask: linear-gradient(90deg, #000 92%, transparent);
                mask: linear-gradient(90deg, #000 92%, transparent);
    }
    .lt-stats::-webkit-scrollbar { display: none; }
    .lt-stat {
        flex-shrink: 0;
        padding: 8px 14px 8px 10px;
        gap: 10px;
    }
    .lt-stat-num { font-size: 16px; }

    /* Unified mobile widget — tabs + stage connect */
    .loan-showcase {
        gap: 0;
        border-radius: 24px;
        overflow: hidden;
        box-shadow:
            0 1px 2px rgba(15, 16, 22, 0.04),
            0 24px 48px -16px rgba(15, 16, 22, 0.2);
    }

    /* Tabs → horizontal chip strip */
    .loan-tabs {
        min-height: 0;
        padding: 14px 14px 12px;
        border-radius: 24px 24px 0 0;
        border-bottom: none;
        box-shadow: none;
    }
    .loan-tabs::before { opacity: 0.35; }

    .loan-tabs-header {
        display: flex;
        padding: 0 2px 10px;
        margin-bottom: 4px;
        border-bottom: 1px solid rgba(15, 16, 22, 0.06);
    }
    .loan-tabs-header-label { font-size: 10px; }
    .loan-tabs-header-count {
        font-size: 9px;
        color: #94a3b8;
    }
    .loan-tabs-header-count::after {
        content: ' · swipe →';
        font-weight: 600;
        color: #FF6B35;
        letter-spacing: 0.04em;
    }

    .loan-tabs-list {
        flex-direction: row;
        flex: none;
        gap: 8px;
        overflow-x: auto;
        overflow-y: hidden;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        padding: 4px 2px 6px;
        -webkit-mask: linear-gradient(90deg, #000 94%, transparent);
                mask: linear-gradient(90deg, #000 94%, transparent);
    }
    .loan-tabs-list::-webkit-scrollbar { display: none; }

    .loan-tab {
        flex: 0 0 auto;
        min-height: 0;
        min-width: 0;
        width: auto;
        scroll-snap-align: center;
        padding: 10px 14px 10px 10px;
        gap: 10px;
        border-radius: 999px;
        white-space: nowrap;
    }
    .loan-tab-num,
    .loan-tab-sub,
    .loan-tab-arrow { display: none; }

    .loan-tab-icon {
        width: 32px;
        height: 32px;
        border-radius: 10px;
    }
    .loan-tab-text { flex-direction: row; align-items: center; gap: 0; }
    .loan-tab-title { font-size: 13px; white-space: nowrap; }

    /* Stage — connects to tabs */
    .loan-stage {
        border-radius: 0 0 24px 24px;
        min-height: 0;
        padding: 0;
        overflow: hidden;
    }
    .loan-slides { min-height: 0; }

    .loan-slide {
        gap: 0;
        display: flex;
        flex-direction: column;
    }

    /* Visual hero band */
    .loan-slide-visual {
        order: 0;
        width: 100%;
        padding: 28px 20px 24px;
        background:
            radial-gradient(ellipse 80% 70% at 50% 0%, rgba(255, 107, 53, 0.22) 0%, transparent 65%),
            linear-gradient(180deg, rgba(255, 255, 255, 0.04) 0%, transparent 100%);
        border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    }

    .loan-slide-content {
        padding: 24px 20px 28px;
    }

    .loan-slide-tagline {
        margin-bottom: 16px;
        font-size: 10px;
    }

    /* Hide redundant icon when visual is shown */
    .loan-slide-icon { display: none; }

    .loan-slide-title {
        font-size: clamp(1.35rem, 5.5vw, 1.65rem);
        margin-bottom: 10px;
    }
    .loan-slide-desc {
        font-size: 14px;
        line-height: 1.55;
        margin-bottom: 18px;
    }

    .loan-slide-features {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 8px;
        margin-bottom: 22px;
    }
    .loan-slide-feature {
        font-size: 11px;
        padding: 9px 10px;
        justify-content: flex-start;
        border-radius: 12px;
    }

    .loan-slide-foot {
        flex-direction: column;
        align-items: stretch;
        gap: 12px;
        margin-top: 4px;
    }
    .loan-slide-cta {
        width: 100%;
        justify-content: center;
        padding: 16px 24px;
        font-size: 15px;
        border-radius: 16px;
    }
    .loan-slide-note {
        justify-content: center;
        font-size: 11.5px;
    }

    .loan-progress {
        margin-top: 20px;
        gap: 4px;
    }
    .loan-progress-dot {
        width: 7px;
        height: 7px;
        padding: 8px 5px;
        box-sizing: content-box;
        cursor: pointer;
    }
    .loan-progress-dot.is-active {
        width: 28px;
        padding: 8px 0;
    }

    .loan-marquee {
        margin-top: 32px;
        padding: 14px 0;
    }
}

/* ── Tablet layout: keep the loan selector readable, no horizontal swipe strip ── */
@media (min-width: 768px) and (max-width: 1023px) {
    .loan-types-section {
        padding-left: 1.5rem;
        padding-right: 1.5rem;
    }

    .section-header-compact {
        margin-bottom: 1.75rem;
    }

    .section-header-compact .lt-headline {
        max-width: 760px;
        margin-left: auto;
        margin-right: auto;
        font-size: clamp(2rem, 4.6vw, 2.75rem);
    }

    .section-header-compact .lt-subheadline {
        max-width: 720px;
        font-size: 16px;
    }

    .lt-stats {
        justify-content: center;
        flex-wrap: wrap;
        overflow: visible;
        -webkit-mask: none;
                mask: none;
        gap: 12px;
        margin-top: 22px;
        padding-bottom: 0;
    }

    .lt-stat {
        flex: 0 1 auto;
        padding: 9px 16px 9px 12px;
    }

    .loan-showcase {
        display: grid;
        grid-template-columns: minmax(270px, 320px) minmax(0, 1fr);
        gap: 16px;
        overflow: visible;
        border-radius: 0;
        box-shadow: none;
    }

    .loan-tabs {
        min-height: 100%;
        padding: 14px;
        border-radius: 24px;
        border-bottom: 1px solid rgba(15, 16, 22, 0.07);
        box-shadow:
            inset 0 1px 0 rgba(255, 255, 255, 1),
            0 18px 38px -24px rgba(15, 16, 22, 0.18);
    }

    .loan-tabs-header {
        padding: 4px 6px 12px;
        margin-bottom: 8px;
    }

    .loan-tabs-header-count::after {
        content: '';
    }

    .loan-tabs-list {
        flex-direction: column;
        flex: 1;
        gap: 7px;
        overflow: visible;
        scroll-snap-type: none;
        padding: 0;
        -webkit-mask: none;
                mask: none;
    }

    .loan-tab {
        flex: 1 1 0;
        width: 100%;
        min-height: 72px;
        padding: 12px 12px;
        gap: 10px;
        border-radius: 16px;
        white-space: normal;
        scroll-snap-align: none;
    }

    .loan-tab-num,
    .loan-tab-sub,
    .loan-tab-arrow {
        display: inline-flex;
    }

    .loan-tab-num {
        width: 18px;
        font-size: 10px;
    }

    .loan-tab-icon {
        width: 34px;
        height: 34px;
        border-radius: 10px;
    }

    .loan-tab-text {
        flex-direction: column;
        align-items: flex-start;
        gap: 3px;
    }

    .loan-tab-title {
        font-size: 13px;
        white-space: normal;
    }

    .loan-tab-sub {
        font-size: 10.5px;
        line-height: 1.25;
    }

    .loan-tab-arrow {
        width: 14px;
        height: 14px;
    }

    .loan-stage {
        border-radius: 24px;
        min-height: 100%;
        padding: 28px 24px;
    }

    .loan-slides {
        min-height: 100%;
    }

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

    .loan-slide-visual {
        display: none;
    }

    .loan-slide-content {
        padding: 0;
        justify-content: center;
    }

    .loan-slide-tagline {
        margin-bottom: 14px;
    }

    .loan-slide-icon {
        display: inline-flex;
        width: 52px;
        height: 52px;
        margin-bottom: 18px;
        border-radius: 16px;
    }

    .loan-slide-title {
        font-size: clamp(1.55rem, 3.3vw, 2rem);
        margin-bottom: 10px;
    }

    .loan-slide-desc {
        font-size: 14px;
        line-height: 1.55;
        margin-bottom: 18px;
    }

    .loan-slide-features {
        grid-template-columns: 1fr;
        gap: 8px;
        margin-bottom: 20px;
    }

    .loan-slide-feature {
        border-radius: 12px;
        padding: 9px 11px;
    }

    .loan-slide-foot {
        gap: 10px;
    }

    .loan-slide-cta {
        width: 100%;
        justify-content: center;
        border-radius: 14px;
        padding: 14px 20px;
    }

    .loan-slide-note {
        justify-content: center;
    }
}

/* ── Small phones ──────────────────────────────────── */
@media (max-width: 480px) {
    .loan-types-section {
        padding-left: 1rem;
        padding-right: 1rem;
    }

    .loan-showcase { border-radius: 20px; }

    .loan-tabs {
        padding: 12px 12px 10px;
        border-radius: 20px 20px 0 0;
    }

    .loan-tab {
        padding: 9px 12px 9px 9px;
    }
    .loan-tab-icon {
        width: 28px;
        height: 28px;
    }
    .loan-tab-icon svg {
        width: 15px !important;
        height: 15px !important;
    }
    .loan-tab-title { font-size: 12px; }

    .loan-stage { border-radius: 0 0 20px 20px; }

    .loan-slide-visual {
        padding: 22px 16px 18px;
    }
    .loan-slide-content {
        padding: 20px 16px 24px;
    }

    .loan-slide-features {
        grid-template-columns: 1fr;
    }
    .loan-slide-feature {
        width: 100%;
    }
}
@media (prefers-reduced-motion: reduce) {
    .lt-eyebrow-dot,
    .loan-stage-orb,
    .loan-marquee-track,
    .scene-pulse,
    .loan-slide.is-active .scene-gauge-fill,
    .loan-slide.is-active .scene-needle,
    .loan-slide.is-active .scene-bar-fill,
    .loan-slide.is-active .scene-ring-fill,
    .loan-slide.is-active .scene-ring-tick,
    .loan-slide.is-active .scene-debt,
    .loan-slide.is-active .scene-merge-line,
    .loan-slide.is-active .scene-merge-target {
        animation: none !important;
    }
    .loan-slide.is-active .scene-gauge-fill {
        stroke-dashoffset: 0;
    }
    .loan-slide.is-active .scene-needle {
        transform: rotate(32deg);
        transform-origin: 0 0;
    }
    .loan-tab,
    .loan-tab::before,
    .loan-tab-icon,
    .loan-tab-indicator,
    .loan-slide,
    .lt-stat {
        transition: none;
    }
}

/* =====================================================
   FOOTER — floating spotlight + flat footer
   ===================================================== */
@keyframes footer-glow-pulse {
    0%, 100% { opacity: 0.5; transform: scale(1); }
    50% { opacity: 0.8; transform: scale(1.05); }
}

/* Spotlight sits on page bg, floats above footer */
.footer-spotlight-wrap {
    position: relative;
    z-index: 2;
    background: #faf8ff;
    padding: 0 clamp(1.25rem, 4vw, 2rem) clamp(2.5rem, 5vw, 3.5rem);
    max-width: 100%;
    overflow-x: clip;
}
.footer-spotlight {
    position: relative;
    max-width: 1280px;
    margin: 0 auto;
    border-radius: 28px;
    padding: 1px;
    background: linear-gradient(135deg, rgba(255, 107, 53, 0.75), rgba(255, 255, 255, 0.35) 42%, rgba(45, 22, 84, 0.5));
    box-shadow:
        0 28px 70px -20px rgba(18, 8, 33, 0.45),
        0 12px 32px -12px rgba(255, 107, 53, 0.25);
}
.footer-spotlight-glow {
    position: absolute;
    inset: 10% 20%;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.28) 0%, transparent 70%);
    filter: blur(36px);
    pointer-events: none;
    animation: footer-glow-pulse 6s ease-in-out infinite;
}
.footer-spotlight-inner {
    position: relative;
    display: grid;
    gap: 28px;
    padding: clamp(1.75rem, 4vw, 2.5rem);
    border-radius: 27px;
    background:
        radial-gradient(ellipse 80% 80% at 0% 0%, rgba(255, 107, 53, 0.14) 0%, transparent 55%),
        radial-gradient(ellipse 60% 60% at 100% 100%, rgba(45, 22, 84, 0.35) 0%, transparent 55%),
        linear-gradient(155deg, #1a0d2e 0%, #120821 48%, #0d0618 100%);
}
@media (min-width: 900px) {
    .footer-spotlight-inner {
        grid-template-columns: 1fr auto;
        grid-template-rows: auto auto;
        align-items: center;
        column-gap: 40px;
    }
    .footer-spotlight-copy { grid-column: 1; grid-row: 1; }
    .footer-spotlight-actions { grid-column: 2; grid-row: 1 / span 2; justify-self: end; align-self: center; }
    .footer-spotlight-stats { grid-column: 1; grid-row: 2; }
}
.footer-spotlight-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 14px;
    padding: 6px 12px;
    border-radius: 999px;
    background: rgba(255, 107, 53, 0.14);
    border: 1px solid rgba(255, 107, 53, 0.32);
    color: #ffb042;
    font-family: 'Montserrat', sans-serif;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}
.footer-spotlight-badge::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: #FF6B35;
    box-shadow: 0 0 10px rgba(255, 107, 53, 0.9);
}
.footer-spotlight-title {
    margin: 0;
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.65rem, 4.5vw, 2.75rem);
    font-weight: 700;
    line-height: 1.08;
    letter-spacing: -0.03em;
    color: #f8fafc;
}
.footer-spotlight-title em {
    font-family: 'Instrument Serif', serif;
    font-style: italic;
    font-weight: 400;
    background: linear-gradient(135deg, #FF6B35 0%, #ffb042 50%, #FF6B35 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}
.footer-spotlight-title-break {
    display: none;
}
.footer-spotlight-sub {
    margin: 12px 0 0;
    max-width: 32rem;
    color: #94a3b8;
    font-size: 14px;
    line-height: 1.6;
    font-weight: 300;
}
.footer-spotlight-actions {
    display: flex;
    flex-direction: column;
    gap: 12px;
    width: 100%;
}
@media (min-width: 900px) {
    .footer-spotlight-actions {
        flex-direction: column;
        width: auto;
        min-width: 210px;
    }
}
.footer-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 24px;
    border-radius: 999px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: -0.01em;
    text-decoration: none;
    transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease, border-color 0.25s ease, color 0.25s ease;
    white-space: nowrap;
}
.footer-btn svg {
    width: 18px;
    height: 18px;
    transition: transform 0.25s ease;
}
.footer-btn--primary {
    background: linear-gradient(135deg, #FF6B35, #E8561F);
    color: #fff;
    box-shadow: 0 16px 40px -16px rgba(255, 107, 53, 0.8);
}
.footer-btn--primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 22px 50px -14px rgba(255, 107, 53, 0.9);
}
.footer-btn--primary:hover svg {
    transform: translateX(3px);
}
.footer-btn--ghost {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.14);
    color: #e2e8f0;
}
.footer-btn--ghost:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 107, 53, 0.35);
    color: #fff;
    transform: translateY(-1px);
}
.footer-btn:focus-visible {
    outline: 2px solid rgba(255, 107, 53, 0.55);
    outline-offset: 3px;
}
.footer-spotlight-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}
.footer-stat {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 84px;
    padding: 10px 14px;
    border-radius: 14px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-stat strong {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.0625rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: #f8fafc;
    line-height: 1;
}
.footer-stat span {
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #64748b;
}

/* Footer spotlight — mobile layout */
@media (max-width: 639px) {
    .footer-spotlight-wrap {
        padding: 0 1rem 1.75rem;
    }
    .footer-spotlight {
        border-radius: 22px;
        box-shadow:
            0 20px 48px -18px rgba(18, 8, 33, 0.4),
            0 8px 24px -10px rgba(255, 107, 53, 0.2);
    }
    .footer-spotlight-inner {
        display: flex;
        flex-direction: column;
        gap: 1.25rem;
        padding: 1.35rem 1.15rem 1.25rem;
        border-radius: 21px;
    }
    .footer-spotlight-badge {
        margin-bottom: 10px;
        padding: 5px 10px;
        font-size: 9px;
        letter-spacing: 0.14em;
    }
    .footer-spotlight-title {
        font-size: clamp(1.5rem, 7.5vw, 1.85rem);
        line-height: 1.12;
        letter-spacing: -0.025em;
    }
    .footer-spotlight-title-break {
        display: block;
    }
    .footer-spotlight-sub {
        margin-top: 8px;
        font-size: 12.5px;
        line-height: 1.5;
        max-width: none;
    }
    .footer-spotlight-actions {
        gap: 10px;
    }
    .footer-spotlight-stats {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 8px;
        width: 100%;
    }
    .footer-btn {
        width: 100%;
        padding: 14px 18px;
        font-size: 14px;
        white-space: normal;
        text-align: center;
    }
    .footer-stat {
        min-width: 0;
        width: 100%;
        padding: 10px 6px;
        border-radius: 12px;
        align-items: center;
        text-align: center;
    }
    .footer-stat strong {
        font-size: 0.9375rem;
    }
    .footer-stat span {
        font-size: 8px;
        letter-spacing: 0.1em;
    }
}

@media (max-width: 380px) {
    .footer-spotlight-inner {
        padding: 1.2rem 1rem 1.15rem;
    }
    .footer-spotlight-title {
        font-size: 1.425rem;
    }
    .footer-spotlight-sub {
        font-size: 12px;
    }
    .footer-stat strong {
        font-size: 0.875rem;
    }
}

/* Flat footer — clean centered layout matching homepage brand */
.site-footer {
    position: relative;
    z-index: 1;
    background:
        radial-gradient(ellipse 70% 50% at 50% 0%, rgba(255, 107, 53, 0.08) 0%, transparent 55%),
        linear-gradient(180deg, #1a0d2e 0%, #120821 50%, #0a0612 100%);
    color: rgba(255, 255, 255, 0.7);
    max-width: 100%;
    overflow-x: clip;
}
.footer-shell {
    max-width: 900px;
    margin: 0 auto;
    padding: clamp(2.75rem, 6vw, 3.75rem) clamp(1.25rem, 4vw, 2rem) clamp(1.75rem, 4vw, 2.25rem);
}
.footer-main {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 28px;
    text-align: center;
    padding-bottom: 0;
    border-bottom: none;
}
.footer-brand-col {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
}
.footer-brand-link {
    display: inline-flex;
    justify-content: center;
    margin-bottom: 0;
    text-decoration: none;
    transition: opacity 0.2s ease;
}
.footer-brand-link:hover {
    opacity: 0.9;
}
.footer-brand-link:focus-visible {
    outline: 2px solid rgba(255, 107, 53, 0.5);
    outline-offset: 4px;
    border-radius: 8px;
}
.footer-brand-logo {
    display: block;
    height: clamp(52px, 7vw, 68px);
    width: auto;
    object-fit: contain;
    object-position: center;
}
.footer-brand-desc {
    margin: 0;
    max-width: 420px;
    color: rgba(255, 255, 255, 0.45);
    font-size: 14px;
    line-height: 1.65;
    font-weight: 300;
}
.footer-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 8px 22px;
}
.footer-nav a,
.footer-nav .footer-disclosures-btn {
    display: inline-block;
    color: rgba(255, 255, 255, 0.58);
    font-size: 0.875rem;
    font-weight: 500;
    line-height: 1.4;
    text-decoration: none;
    background: none;
    border: 0;
    padding: 0;
    cursor: pointer;
    font-family: inherit;
    text-align: center;
    transition: color 0.2s ease;
}
.footer-nav a:hover,
.footer-nav .footer-disclosures-btn:hover {
    color: #FF6B35;
}
.footer-nav a:focus-visible,
.footer-nav .footer-disclosures-btn:focus-visible {
    outline: 2px solid rgba(255, 107, 53, 0.45);
    outline-offset: 2px;
    border-radius: 4px;
}
.footer-nav-secondary {
    gap: 6px 16px;
}
.footer-nav-secondary a {
    font-size: 0.78rem;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.4);
}
.footer-nav-divider {
    width: 100%;
    max-width: 280px;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.12), transparent);
    border: 0;
    margin: 0;
}
/* Legacy column classes — keep harmless if leftover markup exists */
.footer-nav-col,
.footer-legal-col,
.footer-guides-col {
    display: contents;
}
.footer-col-heading {
    display: none;
}
.footer-nav-links {
    list-style: none;
    margin: 0;
    padding: 0;
    display: contents;
}
.footer-nav-links a,
.footer-disclosures-btn {
    display: inline-block;
    color: rgba(255, 255, 255, 0.58);
    font-size: 0.875rem;
    font-weight: 500;
    line-height: 1.4;
    text-decoration: none;
    background: none;
    border: 0;
    padding: 0;
    cursor: pointer;
    font-family: inherit;
    text-align: center;
    transition: color 0.2s ease;
}
.footer-nav-links a:hover,
.footer-disclosures-btn:hover {
    color: #FF6B35;
}
.footer-disclaimer {
    margin: 0;
    max-width: 780px;
    color: rgba(255, 255, 255, 0.38);
    font-size: 0.75rem;
    line-height: 1.75;
    font-weight: 300;
}
.footer-disclaimer strong {
    color: rgba(255, 255, 255, 0.55);
    font-weight: 600;
}
.footer-bar {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 6px;
    width: 100%;
    margin-top: 4px;
    padding-top: 22px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}
@media (min-width: 640px) {
    .footer-bar {
        flex-direction: row;
        justify-content: center;
        gap: 16px;
    }
}
.footer-copy,
.footer-meta {
    margin: 0;
    color: rgba(255, 255, 255, 0.3);
    font-size: 0.73rem;
    font-weight: 400;
    letter-spacing: 0.02em;
}
.footer-meta::before {
    content: '·';
    margin-right: 16px;
    color: rgba(255, 255, 255, 0.2);
}
@media (max-width: 639px) {
    .footer-meta::before {
        display: none;
    }
}

@media (prefers-reduced-motion: reduce) {
    .footer-spotlight-glow {
        animation: none;
    }
}

/* Floating CTA — "Get Funds" above scroll-to-top */
.float-cta {
    position: fixed;
    right: calc(1.25rem + env(safe-area-inset-right, 0px));
    bottom: calc(1.25rem + env(safe-area-inset-bottom, 0px) + 3rem + 10px);
    z-index: 50;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 16px;
    border-radius: 999px;
    background: linear-gradient(135deg, #2D1654 0%, #1a0d2e 100%);
    color: #fff;
    font-family: 'Montserrat', sans-serif;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-decoration: none;
    white-space: nowrap;
    box-shadow:
        0 4px 18px -4px rgba(45, 22, 84, 0.55),
        0 0 0 1px rgba(255, 107, 53, 0.35),
        inset 0 1px 0 rgba(255, 255, 255, 0.1);
    opacity: 0;
    visibility: hidden;
    transform: translateY(0.5rem);
    transition:
        opacity 0.25s ease,
        visibility 0.25s ease,
        transform 0.25s ease,
        background 0.2s ease,
        box-shadow 0.2s ease;
}
.float-cta.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.float-cta:hover {
    background: linear-gradient(135deg, #FF6B35 0%, #E8561F 100%);
    box-shadow:
        0 6px 22px -4px rgba(255, 107, 53, 0.55),
        0 0 0 1px rgba(255, 107, 53, 0.5),
        inset 0 1px 0 rgba(255, 255, 255, 0.15);
}
.float-cta svg {
    flex-shrink: 0;
    color: #FF6B35;
    transition: color 0.2s ease;
}
.float-cta:hover svg {
    color: #fff;
}
.float-cta:focus-visible {
    outline: 2px solid #FF6B35;
    outline-offset: 3px;
}
@media (prefers-reduced-motion: reduce) {
    .float-cta {
        transition-duration: 0.01ms;
    }
}

/* Scroll to top */
.scroll-to-top {
    position: fixed;
    right: calc(1.25rem + env(safe-area-inset-right, 0px));
    bottom: calc(1.25rem + env(safe-area-inset-bottom, 0px));
    z-index: 50;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 3rem;
    height: 3rem;
    padding: 0;
    border: none;
    border-radius: 999px;
    background: #FF6B35;
    color: #fff;
    cursor: pointer;
    box-shadow: 0 8px 24px -8px rgba(255, 107, 53, 0.65);
    opacity: 0;
    visibility: hidden;
    transform: translateY(0.5rem);
    transition:
        opacity 0.25s ease,
        visibility 0.25s ease,
        transform 0.25s ease,
        background 0.2s ease;
}

.scroll-to-top.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.scroll-to-top:hover {
    background: #E8561F;
}

.scroll-to-top:focus-visible {
    outline: 2px solid #FF6B35;
    outline-offset: 3px;
}

@media (prefers-reduced-motion: reduce) {
    .scroll-to-top {
        transition-duration: 0.01ms;
    }
}

/* ── Disclosure modal motion ─────────────────────────────────────────────── */
#disclosuresModal {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.26s ease, visibility 0.26s ease;
}

#disclosuresModal.is-open {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

#disclosuresModalBackdrop {
    opacity: 0;
    transition: opacity 0.26s ease;
}

#disclosuresModal.is-open #disclosuresModalBackdrop {
    opacity: 1;
}

#disclosuresModal [role="dialog"] {
    opacity: 0;
    transform: translateY(14px) scale(0.97);
    transition:
        opacity 0.26s ease,
        transform 0.26s cubic-bezier(0.22, 1, 0.36, 1);
}

#disclosuresModal.is-open [role="dialog"] {
    opacity: 1;
    transform: translateY(0) scale(1);
}

@media (prefers-reduced-motion: reduce) {
    #disclosuresModal,
    #disclosuresModalBackdrop,
    #disclosuresModal [role="dialog"] {
        transition-duration: 0.01ms;
    }
}

/* ── Exit-intent popup ───────────────────────────────────────────────────── */
.exit-popup {
    position: fixed;
    inset: 0;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
    padding: max(0.75rem, env(safe-area-inset-top)) max(0.75rem, env(safe-area-inset-right)) max(0.75rem, env(safe-area-inset-bottom)) max(0.75rem, env(safe-area-inset-left));
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    overflow-x: hidden;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
    transition: opacity 0.4s cubic-bezier(0.33, 1, 0.68, 1), visibility 0.4s;
}

.exit-popup.is-open {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

.exit-popup__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(15, 23, 42, 0.48);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    opacity: 0;
    transition: opacity 0.45s ease;
}

.exit-popup.is-open .exit-popup__backdrop {
    opacity: 1;
}

.exit-popup__dialog {
    position: relative;
    width: min(100%, 440px);
    max-width: 100%;
    max-height: min(92dvh, 720px);
    margin: auto;
    border-radius: 1.25rem;
    overflow-x: hidden;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    background: #ffffff;
    border: 1px solid #e2e8f0;
    box-shadow:
        0 0 0 1px rgba(45, 22, 84, 0.04),
        0 28px 56px -16px rgba(15, 23, 42, 0.2);
    transform: scale(0.94) translateY(18px);
    opacity: 0;
    transition: transform 0.5s cubic-bezier(0.34, 1.35, 0.64, 1), opacity 0.4s ease;
}

.exit-popup.is-open .exit-popup__dialog {
    transform: scale(1) translateY(0);
    opacity: 1;
}

.exit-popup__close {
    position: absolute;
    top: 0.85rem;
    right: 0.85rem;
    z-index: 3;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border: none;
    border-radius: 999px;
    background: #fff;
    color: #64748b;
    cursor: pointer;
    box-shadow: 0 1px 4px rgba(15, 23, 42, 0.1);
    transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.exit-popup__close:hover {
    color: #334155;
    transform: scale(1.06);
}

.exit-popup__close:focus-visible {
    outline: 2px solid #FF6B35;
    outline-offset: 2px;
}

/* Header + illustration */
.exit-popup__header {
    position: relative;
    padding: 1.5rem 1.5rem 0.5rem;
    background: linear-gradient(165deg, #faf8ff 0%, #fff8f5 55%, #ffffff 100%);
    text-align: center;
    overflow: hidden;
}

.exit-popup__header::before {
    content: '';
    position: absolute;
    top: -40%;
    right: -20%;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: rgba(255, 107, 53, 0.08);
    pointer-events: none;
}

.exit-popup__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.4rem 0.85rem;
    margin-bottom: 1rem;
    border-radius: 999px;
    background: #fff;
    border: 1px solid #e2e8f0;
    box-shadow: 0 2px 8px rgba(15, 23, 42, 0.06);
    font-family: 'Montserrat', sans-serif;
    font-size: 0.6875rem;
    font-weight: 700;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    color: #2D1654;
}

.exit-popup__eyebrow svg {
    color: #FF6B35;
}

.exit-popup__illus {
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: center;
    margin: 0 auto;
}

.exit-popup__visual {
    width: 100%;
    max-width: 200px;
    height: auto;
}

.exit-popup__card-back--1 {
    animation: exit-card-back-shift 4s ease-in-out infinite;
}

.exit-popup__card-back--2 {
    animation: exit-card-back-shift 4s ease-in-out 0.5s infinite reverse;
}

@keyframes exit-card-back-shift {
    0%, 100% { transform: translate(0, 0); }
    50% { transform: translate(-2px, 1px); }
}

.exit-popup__card-front {
    animation: exit-card-float 3.8s ease-in-out infinite;
    transform-origin: 86px 50px;
}

@keyframes exit-card-float {
    0%, 100% { transform: translateY(0) rotate(0deg); }
    50% { transform: translateY(-5px) rotate(-0.6deg); }
}

.exit-popup__svg-header {
    font-family: 'Montserrat', sans-serif;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    fill: #ffffff;
}

.exit-popup__svg-amount {
    font-family: 'Montserrat', sans-serif;
    font-size: 22px;
    font-weight: 800;
    letter-spacing: -0.03em;
    fill: #120821;
}

.exit-popup__svg-badge-text {
    font-family: 'Inter', sans-serif;
    font-size: 8px;
    font-weight: 700;
    fill: #15803d;
}

.exit-popup__svg-badge-dot {
    animation: exit-badge-pulse-dot 2s ease-in-out infinite;
}

@keyframes exit-badge-pulse-dot {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.55; }
}

.exit-popup__spark {
    animation: exit-spark-twinkle 2.2s ease-in-out infinite;
}

.exit-popup__spark--2 {
    animation-delay: 0.8s;
}

@keyframes exit-spark-twinkle {
    0%, 100% { opacity: 0.4; transform: scale(1); }
    50% { opacity: 1; transform: scale(1.3); }
}

/* Body content */
.exit-popup__inner {
    padding: 1.1rem 1.5rem 1.4rem;
    text-align: center;
}

@media (min-width: 480px) {
    .exit-popup__inner {
        padding: 1.25rem 1.75rem 1.5rem;
    }
}

.exit-popup__title {
    margin: 0 0 0.6rem;
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.2rem, 4.2vw, 1.45rem);
    font-weight: 800;
    line-height: 1.3;
    letter-spacing: -0.025em;
    color: #120821;
}

.exit-popup__lead {
    margin: 0 0 1.1rem;
    font-size: 0.9rem;
    font-weight: 400;
    line-height: 1.55;
    color: #64748b;
}

.exit-popup__lead strong {
    font-weight: 700;
    color: #FF6B35;
}

.exit-popup__trust {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.4rem;
    margin-bottom: 1.1rem;
}

.exit-popup__trust-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.3rem;
    padding: 0.55rem 0.25rem;
    border-radius: 0.65rem;
    background: #f8fafc;
    border: 1px solid #f1f5f9;
    font-size: 0.625rem;
    font-weight: 700;
    line-height: 1.25;
    color: #334155;
}

.exit-popup__trust-item svg {
    flex-shrink: 0;
    color: #22c55e;
}

.exit-popup__timer-bar {
    margin-bottom: 1.1rem;
    padding: 0.65rem 0.85rem;
    border-radius: 0.75rem;
    background: #fff7f3;
    border: 1px solid rgba(255, 107, 53, 0.18);
}

.exit-popup__timer-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 0.45rem;
}

.exit-popup__timer-label {
    font-size: 0.75rem;
    font-weight: 600;
    color: #64748b;
}

.exit-popup__timer-digits {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.9375rem;
    font-weight: 800;
    font-variant-numeric: tabular-nums;
    letter-spacing: 0.04em;
    color: #FF6B35;
}

.exit-popup__timer-track {
    height: 4px;
    border-radius: 999px;
    background: rgba(255, 107, 53, 0.15);
    overflow: hidden;
}

.exit-popup__timer-fill {
    height: 100%;
    width: 100%;
    border-radius: inherit;
    background: linear-gradient(90deg, #FF6B35, #E8561F);
    transition: width 1s linear;
}

.exit-popup__cta {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    width: 100%;
    padding: 1rem 1.25rem;
    overflow: hidden;
    border: none;
    border-radius: 14px;
    background: #FF6B35;
    color: #fff;
    font-family: 'Montserrat', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    letter-spacing: 0.015em;
    cursor: pointer;
    box-shadow: 0 8px 22px -6px rgba(255, 107, 53, 0.55);
    transition: background 0.22s ease, transform 0.22s cubic-bezier(0.33, 1, 0.68, 1), box-shadow 0.22s ease;
}

.exit-popup__cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(105deg, transparent 30%, rgba(255, 255, 255, 0.2) 50%, transparent 70%);
    transform: translateX(-100%);
    animation: exit-cta-sweep 3s ease-in-out infinite;
}

@keyframes exit-cta-sweep {
    0%, 60% { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}

.exit-popup__cta:hover {
    background: #E8561F;
    transform: translateY(-2px);
    box-shadow: 0 12px 28px -6px rgba(255, 107, 53, 0.6);
}

.exit-popup__cta:active {
    transform: translateY(0);
}

.exit-popup__cta:focus-visible {
    outline: none;
    box-shadow: 0 0 0 3px rgba(255, 107, 53, 0.4);
}

.exit-popup__cta-label,
.exit-popup__cta-icon {
    position: relative;
    z-index: 1;
}

.exit-popup__cta-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.22s ease;
}

.exit-popup__cta:hover .exit-popup__cta-icon {
    transform: translateX(4px);
}

.exit-popup__dismiss {
    display: block;
    width: 100%;
    margin-top: 0.75rem;
    padding: 0.45rem;
    border: none;
    background: transparent;
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    font-weight: 500;
    color: #94a3b8;
    cursor: pointer;
    transition: color 0.2s ease;
}

.exit-popup__dismiss:hover {
    color: #64748b;
}

.exit-popup__dismiss:focus-visible {
    outline: 2px solid #e2e8f0;
    outline-offset: 2px;
    border-radius: 4px;
}

/* Staggered reveal */
.exit-popup.is-open .exit-popup__eyebrow { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.06s both; }
.exit-popup.is-open .exit-popup__visual { animation: exit-fade-up 0.5s cubic-bezier(0.33, 1, 0.68, 1) 0.1s both; }
.exit-popup.is-open .exit-popup__title { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.16s both; }
.exit-popup.is-open .exit-popup__lead { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.22s both; }
.exit-popup.is-open .exit-popup__trust { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.28s both; }
.exit-popup.is-open .exit-popup__timer-bar { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.34s both; }
.exit-popup.is-open .exit-popup__cta { animation: exit-fade-up 0.45s cubic-bezier(0.33, 1, 0.68, 1) 0.4s both; }

@keyframes exit-fade-up {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 480px) {
    .exit-popup {
        align-items: flex-end;
        padding: 0;
    }
    .exit-popup__dialog {
        width: 100%;
        max-width: 100%;
        max-height: min(92dvh, 100%);
        border-radius: 1.15rem 1.15rem 0 0;
        transform: translateY(24px);
    }
    .exit-popup.is-open .exit-popup__dialog {
        transform: translateY(0);
    }
    .exit-popup__trust {
        grid-template-columns: 1fr;
        gap: 0.35rem;
    }
    .exit-popup__trust-item {
        flex-direction: row;
        justify-content: flex-start;
        padding: 0.5rem 0.65rem;
        gap: 0.5rem;
        font-size: 0.6875rem;
    }
    .exit-popup__title {
        font-size: 1.2rem;
    }
    .exit-popup__inner {
        padding: 1.15rem 1.1rem 1.25rem;
    }
}

@media (min-width: 481px) and (max-height: 820px) {
    .exit-popup {
        padding: max(0.5rem, env(safe-area-inset-top)) max(0.75rem, env(safe-area-inset-right)) max(0.5rem, env(safe-area-inset-bottom)) max(0.75rem, env(safe-area-inset-left));
    }
    .exit-popup__dialog {
        width: min(100%, 400px);
        max-height: calc(100dvh - 1rem);
    }
    .exit-popup__header {
        padding: 0.9rem 1.25rem 0.25rem;
    }
    .exit-popup__eyebrow {
        padding: 0.3rem 0.7rem;
        margin-bottom: 0.55rem;
        font-size: 0.6rem;
    }
    .exit-popup__visual {
        max-width: 150px;
    }
    .exit-popup__inner {
        padding: 0.85rem 1.25rem 1rem;
    }
    .exit-popup__title {
        margin-bottom: 0.4rem;
        font-size: 1.1rem;
        line-height: 1.22;
    }
    .exit-popup__lead {
        margin-bottom: 0.7rem;
        font-size: 0.8rem;
        line-height: 1.42;
    }
    .exit-popup__trust {
        gap: 0.3rem;
        margin-bottom: 0.7rem;
    }
    .exit-popup__trust-item {
        gap: 0.2rem;
        padding: 0.4rem 0.2rem;
        font-size: 0.58rem;
    }
    .exit-popup__trust-item svg {
        width: 14px;
        height: 14px;
    }
    .exit-popup__timer-bar {
        margin-bottom: 0.75rem;
        padding: 0.5rem 0.7rem;
    }
    .exit-popup__timer-top {
        margin-bottom: 0.32rem;
    }
    .exit-popup__timer-label {
        font-size: 0.68rem;
    }
    .exit-popup__timer-digits {
        font-size: 0.82rem;
    }
    .exit-popup__cta {
        padding: 0.78rem 1rem;
        border-radius: 12px;
        font-size: 0.9rem;
    }
    .exit-popup__dismiss {
        margin-top: 0.45rem;
        padding: 0.32rem;
        font-size: 0.74rem;
    }
}

@media (min-width: 481px) and (max-height: 700px) {
    .exit-popup__visual {
        max-width: 120px;
    }
    .exit-popup__header {
        padding-top: 0.7rem;
    }
    .exit-popup__inner {
        padding-top: 0.65rem;
    }
    .exit-popup__lead {
        margin-bottom: 0.55rem;
    }
    .exit-popup__trust,
    .exit-popup__timer-bar {
        margin-bottom: 0.55rem;
    }
}

@media (prefers-reduced-motion: reduce) {
    .exit-popup,
    .exit-popup__dialog,
    .exit-popup__backdrop,
    .exit-popup__timer-fill {
        transition-duration: 0.01ms;
    }
    .exit-popup__card-front,
    .exit-popup__card-back--1,
    .exit-popup__card-back--2,
    .exit-popup__spark,
    .exit-popup__svg-badge-dot,
    .exit-popup__cta::before,
    .exit-popup.is-open .exit-popup__eyebrow,
    .exit-popup.is-open .exit-popup__visual,
    .exit-popup.is-open .exit-popup__title,
    .exit-popup.is-open .exit-popup__lead,
    .exit-popup.is-open .exit-popup__trust,
    .exit-popup.is-open .exit-popup__timer-bar,
    .exit-popup.is-open .exit-popup__cta {
        animation: none !important;
    }
    .exit-popup__dialog,
    .exit-popup.is-open .exit-popup__dialog {
        transform: none;
    }
}

/* Mobile: hard-contain any leftover horizontal overflow sources */
@media (max-width: 767px) {
    html,
    body {
        overflow-x: hidden !important;
        max-width: 100% !important;
    }

    img,
    video,
    iframe,
    svg {
        max-width: 100%;
    }

    .loan-types-section,
    .how50-section,
    .footer-spotlight-wrap,
    .site-footer,
    .hero-stage {
        overflow-x: clip;
        overflow-y: visible;
        max-width: 100%;
    }
}

/* ══════════════════════════════════════════════════════
   TRIBALLOANS-STYLE HEADER & HERO — 50kLoans Edition
   (purple/orange brand colors)
══════════════════════════════════════════════════════ */

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(28px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ─── STICKY HEADER ─── */
.header-50k {
    position: sticky;
    top: 0;
    z-index: 500;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(18px) saturate(1.2);
    -webkit-backdrop-filter: blur(18px) saturate(1.2);
    border-bottom: 1.5px solid #d4c8e8;
    height: 68px;
    display: flex;
    align-items: center;
    padding: 0 clamp(16px, 3vw, 32px);
    transition: background 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.header-50k.is-scrolled {
    background: rgba(255, 255, 255, 0.97);
    border-bottom-color: #c8b8de;
    box-shadow: 0 8px 28px rgba(45, 22, 84, 0.08);
}

/* Push hero-bg below the new sticky header */
.header-50k ~ #heroStage .hero-bg,
#heroStage .hero-bg {
    top: 0;
}

/* Light hero background — soft lavender/cream gradient */
.hero50-light-bg {
    background:
        radial-gradient(ellipse 680px 520px at 50% 45%, rgba(255, 252, 250, 0.95) 0%, transparent 75%),
        radial-gradient(ellipse 480px 380px at 85% 15%, rgba(255, 107, 53, 0.07) 0%, transparent 70%),
        radial-gradient(ellipse 420px 340px at 10% 80%, rgba(45, 22, 84, 0.06) 0%, transparent 70%),
        linear-gradient(160deg, #ffffff 0%, #faf8ff 55%, #f3eef8 100%);
}

.nav50-inner {
    width: 100%;
    max-width: 1280px;
    height: 68px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    gap: 12px;
}

.nav50-left {
    justify-self: start;
    min-width: 0;
}

.nav50-trust {
    display: none;
    align-items: center;
    gap: 7px;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 600;
    color: #5a4a72;
    letter-spacing: 0.01em;
    white-space: nowrap;
}

.nav50-trust svg {
    width: 15px;
    height: 15px;
    flex-shrink: 0;
}

@media (min-width: 900px) {
    .nav50-trust { display: inline-flex; }
}

.nav50-logo-link {
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    justify-self: center;
    z-index: 2;
    transition: opacity 0.2s ease, transform 0.2s ease;
}

.nav50-logo-link:hover {
    opacity: 0.88;
    transform: translateY(-1px);
}

.nav50-logo-img {
    height: 44px;
    width: auto;
    display: block;
    object-fit: contain;
}

.nav50-right {
    justify-self: end;
    display: flex;
    align-items: center;
}

.nav50-hamburger {
    display: flex !important;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    width: 40px;
    height: 40px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(250, 248, 255, 0.9));
    border: 1px solid rgba(45, 22, 84, 0.12);
    cursor: pointer;
    border-radius: 14px;
    padding: 0;
    z-index: 3;
    transition: background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
    -webkit-tap-highlight-color: transparent;
    box-shadow: 0 8px 24px rgba(45, 22, 84, 0.08), inset 0 1px 0 rgba(255, 255, 255, 0.8);
}
.nav50-hamburger:hover {
    background: linear-gradient(180deg, #ffffff, #fff7f2);
    border-color: rgba(255, 107, 53, 0.28);
    box-shadow: 0 10px 28px rgba(45, 22, 84, 0.12), 0 4px 12px rgba(255, 107, 53, 0.12);
    transform: translateY(-1px);
}
.nav50-hamburger span {
    display: block;
    width: 18px;
    height: 2px;
    background: #2D1654;
    border-radius: 999px;
    transition: transform 0.24s ease, opacity 0.18s ease, width 0.2s ease, background 0.2s ease;
    transform-origin: center;
}
.nav50-hamburger span:nth-child(2) { width: 14px; }
.nav50-hamburger span:nth-child(3) { width: 18px; }
.nav50-hamburger:hover span,
.nav50-hamburger.open span {
    background: #FF6B35;
}
.nav50-hamburger.open {
    border-color: rgba(255, 107, 53, 0.3);
    background: #fff8f4;
}
.nav50-hamburger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav50-hamburger.open span:nth-child(2) { opacity: 0; width: 0; }
.nav50-hamburger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ─── SLIDE-OUT DRAWER ─── */
.nav50-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 490;
    background: rgba(15, 10, 5, 0.5);
    backdrop-filter: blur(3px);
    -webkit-backdrop-filter: blur(3px);
}
.nav50-overlay.open { display: block; }

.nav50-drawer {
    position: fixed;
    top: 0;
    right: 0;
    width: min(380px, 92vw);
    height: 100dvh;
    background:
        radial-gradient(700px 320px at 100% -10%, rgba(255, 107, 53, 0.08), transparent 45%),
        linear-gradient(180deg, #fffefb 0%, #faf8ff 100%);
    z-index: 510;
    box-shadow: -10px 0 44px rgba(45, 22, 84, 0.12);
    border-left: 1px solid #ede8f5;
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    overflow-y: auto;
    display: flex;
    flex-direction: column;
}
.nav50-drawer.open { transform: translateX(0); }

.nav50-drawer-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 18px 14px;
    border-bottom: 1px solid #ede8f5;
    flex-shrink: 0;
    background: linear-gradient(180deg, #fffefb 0%, #faf8ff 100%);
    position: sticky;
    top: 0;
    z-index: 1;
}
.nav50-drawer-logo { height: 34px; width: auto; }

.nav50-drawer-close {
    width: 36px;
    height: 36px;
    background: #f3eef8;
    border: none;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    font-size: 1.25rem;
    color: #2D1654;
    transition: background 0.15s;
    -webkit-tap-highlight-color: transparent;
}
.nav50-drawer-close:hover { background: #e8e0f0; }

.nav50-drawer-section { padding: 16px 14px 10px; }

.nav50-section-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.66rem;
    font-weight: 900;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #9a8ab8;
    padding: 0 10px;
    margin-bottom: 10px;
}

.nav50-drawer-link {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: 'Inter', sans-serif;
    font-size: 0.88rem;
    font-weight: 600;
    color: #2D1654;
    text-decoration: none;
    padding: 12px 10px;
    border-radius: 14px;
    border: 1px solid rgba(45, 22, 84, 0.08);
    background: rgba(255, 255, 255, 0.75);
    transition: background 0.13s, color 0.13s, border-color 0.13s, transform 0.13s;
    -webkit-tap-highlight-color: transparent;
    margin-bottom: 6px;
}
.nav50-drawer-link:hover {
    background: rgba(255, 107, 53, 0.08);
    color: #FF6B35;
    border-color: rgba(255, 107, 53, 0.25);
    transform: translateX(2px);
}

.nav50-link-icon {
    width: 36px;
    height: 36px;
    border-radius: 11px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.nav50-link-icon svg { width: 17px; height: 17px; }

.nav50-link-text { flex: 1; }
.nav50-link-title { display: block; }
.nav50-link-sub {
    display: block;
    font-size: 0.73rem;
    font-weight: 500;
    color: #7a6a9a;
    margin-top: 2px;
}

.nav50-drawer-cta {
    margin: 16px 14px 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: linear-gradient(135deg, #FF6B35 0%, #e8561f 100%);
    color: #fff;
    font-family: 'Inter', sans-serif;
    font-size: 0.96rem;
    font-weight: 800;
    padding: 16px 24px;
    border-radius: 999px;
    border: none;
    cursor: pointer;
    box-shadow: 0 10px 26px rgba(255, 107, 53, 0.38);
    transition: transform 0.18s, box-shadow 0.18s;
    -webkit-tap-highlight-color: transparent;
    position: sticky;
    bottom: 12px;
}
.nav50-drawer-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 12px 30px rgba(255, 107, 53, 0.5);
}
.nav50-drawer-cta svg { width: 17px; height: 17px; }

@media (max-width: 600px) {
    .header-50k { padding: 0 16px; }
}

/* ─── HERO 50K — triballoans-style centered layout ─── */

/* Decorative background circles */
.hero50-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}
.hero50-circle-1 {
    width: 660px;
    height: 660px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.10) 0%, transparent 68%);
    top: -180px;
    right: -180px;
    z-index: 0;
}
.hero50-circle-2 {
    width: 560px;
    height: 560px;
    background: radial-gradient(circle, rgba(45, 22, 84, 0.08) 0%, transparent 68%);
    bottom: -140px;
    left: -140px;
    z-index: 0;
}

/* Center column */
.hero50-center {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    width: 100%;
    max-width: 548px;
    margin: 0 auto;
    padding: 36px 24px 52px;
    min-height: auto;
    justify-content: center;
}

/* H1 heading — single centered heading, allowed to stretch wider than the form column */
.hero50-center h1.hero-h1-stack {
    display: block;
    width: min(700px, calc(100vw - 32px));
    align-self: center;
    margin: 0 0 16px;
    text-align: center;
    animation: fadeUp 0.6s ease 0.12s both;
}

.hero50-center h1 .hero-h1-line {
    display: block;
    white-space: nowrap;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.02em;
    color: #2D1654;
    text-align: center;
}

.hero50-center h1 .hero-h1-line--primary {
    font-size: clamp(1.95rem, 3.4vw, 2.55rem);
}

.hero50-center h1 .hero-h1-line-soft {
    display: inline-block;
    font-size: 0.86em;
    font-weight: 600;
}

.hero50-center h1 .hero-h1-line--secondary {
    font-size: clamp(1.2rem, 2.6vw, 1.7rem);
    font-weight: 700;
    margin-top: 4px;
    width: 100%;
}

.hero50-center h1.hero-h1-stack.is-query-override .hero-h1-line,
.hero50-head-sp h1.hero-h1-stack.is-query-override .hero-h1-line {
    white-space: normal;
}

.hero50-center h1.hero-h1-stack.is-query-override {
    width: min(760px, calc(100vw - 32px));
}

.hero50-center h1 em {
    font-style: normal;
    color: #FF6B35;
}

/* Tablet */
@media (max-width: 640px) {
    .hero50-center h1.hero-h1-stack {
        width: calc(100vw - 24px);
        margin-bottom: 14px;
    }
    .hero50-center h1 .hero-h1-line--primary {
        font-size: clamp(1.72rem, 6.4vw, 2.2rem);
        line-height: 1.14;
        letter-spacing: -0.022em;
        white-space: nowrap;
    }
    .hero50-sub {
        font-size: clamp(1.06rem, 4.6vw, 1.22rem);
        font-weight: 600;
        line-height: 1.58;
        margin-bottom: 22px;
        white-space: normal;
        max-width: 23rem;
    }
}

/* Mobile */
@media (max-width: 480px) {
    .hero50-center h1.hero-h1-stack {
        width: calc(100vw - 16px);
    }
    .hero50-center h1 .hero-h1-line--primary {
        font-size: clamp(1.42rem, 6vw, 1.9rem);
        line-height: 1.16;
        white-space: nowrap;
    }
    .hero50-sub {
        font-size: clamp(1.1rem, 4.9vw, 1.26rem);
        line-height: 1.55;
    }
}

@media (max-width: 380px) {
    .hero50-center h1 .hero-h1-line--primary {
        font-size: clamp(1.28rem, 5.6vw, 1.62rem);
        line-height: 1.18;
    }
    .hero50-sub {
        font-size: clamp(1.06rem, 4.8vw, 1.2rem);
    }
}

/* Subheading */
.hero50-sub {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(0.72rem, 2.5vw, 1rem);
    font-weight: 500;
    color: #5a4a72;
    line-height: 1.7;
    margin-bottom: 20px;
    margin-left: auto;
    margin-right: auto;
    width: max-content;
    max-width: 100%;
    white-space: nowrap;
    text-align: center;
    animation: fadeUp 0.6s ease 0.2s both;
}
.hero50-sub-br { display: none; }

/* Subpage hero heading — full width container, not constrained to form's 548px.
   H1 and sub live in .hero50-head-sp (sibling above .hero50-center) */
.hero50-head-sp {
    position: relative;
    z-index: 2;
    width: 100%;
    text-align: center;
    padding: 36px 20px 16px;
}

.hero50-head-sp h1.hero-h1-stack {
    display: inline-grid;
    justify-items: center;
    width: max-content;
    max-width: calc(100vw - 32px);
    margin-left: auto;
    margin-right: auto;
    margin-bottom: 10px;
    animation: fadeUp 0.6s ease 0.12s both;
}

.hero50-head-sp h1 .hero-h1-line {
    display: block;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.02em;
    color: #2D1654;
    white-space: nowrap;
    text-align: center;
}

.hero50-head-sp h1 .hero-h1-line em {
    font-style: normal;
    color: #FF6B35;
}

.hero50-head-sp h1 .hero-h1-line--primary {
    font-size: clamp(1.85rem, 3.4vw, 2.5rem);
}

.hero50-head-sp h1 .hero-h1-line--secondary {
    font-size: clamp(1.15rem, 2.4vw, 1.65rem);
    font-weight: 700;
    margin-top: 4px;
}

.hero50-head-sp h1.hero-h1-stack.is-query-override {
    width: min(760px, calc(100vw - 32px));
}

.hero50-head-sp .hero50-sub {
    display: block;
    width: max-content;
    max-width: calc(100vw - 40px);
    margin: 0 auto;
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(0.72rem, 1.8vw, 0.9rem);
    font-weight: 500;
    color: #5a4a72;
    line-height: 1.5;
    white-space: nowrap;
    text-align: center;
    animation: fadeUp 0.6s ease 0.2s both;
}

/* Remove top padding from form container when heading is a sibling above it */
.hero50-head-sp + .hero50-center {
    padding-top: 0;
}

@media (max-width: 767px) {
    .hero50-head-sp {
        padding: 28px 16px 12px;
    }
    .hero50-head-sp h1 .hero-h1-line {
        white-space: normal;
    }
    .hero50-head-sp h1 .hero-h1-line--primary {
        font-size: clamp(1.45rem, 6vw, 1.9rem);
    }
    .hero50-head-sp h1 .hero-h1-line--secondary {
        font-size: clamp(1.08rem, 4.5vw, 1.38rem);
        margin-top: 5px;
    }
    .hero50-head-sp .hero50-sub {
        font-size: clamp(0.8rem, 3.4vw, 0.92rem);
        white-space: normal;
        width: 100%;
        max-width: 100%;
        margin-left: 0;
        margin-right: 0;
        overflow: visible;
        text-overflow: clip;
        line-height: 1.55;
    }
}

@media (max-width: 380px) {
    .hero50-head-sp h1 .hero-h1-line--primary {
        font-size: clamp(1.3rem, 5.5vw, 1.55rem);
    }
    .hero50-head-sp h1 .hero-h1-line--secondary {
        font-size: clamp(1rem, 4.1vw, 1.22rem);
    }
}

/* Legacy subpage overrides no longer needed (headings moved out of hero50-center) */

/* Social proof strip */
.hero50-proof {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-top: 18px;
    animation: fadeUp 0.6s ease 0.36s both;
}
.hero50-proof-avs { display: flex; }
.hero50-proof-avs .hb50-av { margin-left: -8px; }
.hero50-proof-avs .hb50-av:first-child { margin-left: 0; }
.hb50-av {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    border: 2px solid #ffffff;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.62rem;
    font-weight: 700;
    color: #ffffff;
    box-shadow: 0 1px 4px rgba(45, 22, 84, 0.12);
}
.hb50-av-img {
    object-fit: cover;
    display: block;
    padding: 0;
    background: #ece6f5;
}

.hero50-proof-volume {
    font-size: 0.78rem;
    font-weight: 700;
    color: #FF6B35;
    font-family: 'Inter', sans-serif;
    background: rgba(255, 107, 53, 0.12);
    padding: 2px 7px;
    border-radius: 20px;
    white-space: nowrap;
    transition: opacity 0.3s ease, transform 0.3s ease;
}
.hero50-proof-volume.is-swapping {
    opacity: 0;
    transform: translateY(-4px);
}
.hero50-proof-sep {
    width: 3px;
    height: 3px;
    border-radius: 50%;
    background: #c0b0d5;
    flex-shrink: 0;
}
.hero50-proof-text {
    font-size: 0.82rem;
    font-weight: 600;
    color: #7a6a9a;
    font-family: 'Inter', sans-serif;
}
.hero50-proof-text strong { color: #2D1654; font-weight: 800; }

/* ── Floating glass message cards ── */
.hf50-card {
    position: absolute;
    z-index: 3;
    display: flex;
    align-items: flex-end;
    gap: 9px;
}
.hf50-card-left {
    left: 32px;
    top: 40%;
    transform: translateY(-50%);
    animation: hfSlideRight50 0.55s cubic-bezier(0.34, 1.15, 0.64, 1) 0.22s both;
}
.hf50-card-right {
    right: 32px;
    top: 62%;
    transform: translateY(-50%);
    animation: hfSlideLeft50 0.55s cubic-bezier(0.34, 1.15, 0.64, 1) 0.4s both;
}
@keyframes hfSlideRight50 {
    from { opacity: 0; transform: translateY(-50%) translateX(-22px) scale(0.96); }
    to   { opacity: 1; transform: translateY(-50%) translateX(0) scale(1); }
}
@keyframes hfSlideLeft50 {
    from { opacity: 0; transform: translateY(-50%) translateX(22px) scale(0.96); }
    to   { opacity: 1; transform: translateY(-50%) translateX(0) scale(1); }
}

.hf50-sender-wrap { position: relative; flex-shrink: 0; }
.hf50-sender {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.58rem;
    font-weight: 800;
    color: rgba(45, 22, 84, 0.9);
    background: rgba(255, 255, 255, 0.75);
    backdrop-filter: blur(20px) saturate(160%);
    -webkit-backdrop-filter: blur(20px) saturate(160%);
    border: 1.5px solid rgba(45, 22, 84, 0.14);
    box-shadow: 0 4px 14px rgba(45, 22, 84, 0.08);
}
.hf50-online {
    position: absolute;
    bottom: 1px;
    right: 1px;
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #34c759;
    border: 1.5px solid rgba(255, 255, 255, 0.9);
    box-shadow: 0 0 6px rgba(52, 199, 89, 0.5);
}

.hf50-bubble {
    position: relative;
    width: 212px;
    max-width: 212px;
    padding: 0;
    border-radius: 18px;
    background: #ffffff;
    border: 1px solid #ece4f4;
    box-shadow:
        0 12px 36px rgba(45, 22, 84, 0.09),
        0 2px 8px rgba(45, 22, 84, 0.04);
    overflow: hidden;
}
.hf50-bubble--feature {
    text-align: center;
    padding: 16px 18px 12px;
}
.hf50-card-left .hf50-bubble  { box-shadow: 0 12px 36px rgba(45, 22, 84, 0.1), 0 2px 8px rgba(45, 22, 84, 0.04); }
.hf50-card-right .hf50-bubble { box-shadow: 0 12px 36px rgba(255, 107, 53, 0.08), 0 2px 8px rgba(45, 22, 84, 0.04); }

.hf50-carousel-viewport {
    display: grid;
    grid-template: 1fr / 1fr;
    width: 100%;
    min-height: 98px;
}
.hf50-slide {
    grid-area: 1 / 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    width: 100%;
    opacity: 0;
    visibility: hidden;
    transform: translateY(6px);
    transition: opacity 0.55s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.55s cubic-bezier(0.4, 0, 0.2, 1),
                visibility 0.55s;
    pointer-events: none;
    z-index: 0;
}
.hf50-slide.is-active {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
    z-index: 2;
}
.hf50-slide.is-exiting {
    opacity: 0;
    visibility: visible;
    transform: translateY(-5px);
    z-index: 1;
}
@media (prefers-reduced-motion: reduce) {
    .hf50-slide {
        transition: none;
        transform: none;
    }
    .hf50-slide:not(.is-active) {
        display: none;
    }
}

.hf50-icon {
    width: 40px;
    height: 40px;
    margin: 0 auto 10px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(145deg, #fff8f5 0%, #f6f1ff 100%);
    border: 1px solid #ece4f4;
    box-shadow: 0 2px 8px rgba(45, 22, 84, 0.05);
}
.hf50-icon svg {
    width: 20px;
    height: 20px;
    display: block;
}

.hf50-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    font-weight: 700;
    color: #2D1654;
    line-height: 1.3;
    margin: 0;
    letter-spacing: -0.01em;
}
.hf50-sub {
    font-family: 'Inter', sans-serif;
    font-size: 0.67rem;
    font-weight: 500;
    color: #7a6a94;
    margin: 4px 0 0;
    line-height: 1.45;
    max-width: 168px;
}

.hf50-dots {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 5px;
    margin-top: 10px;
    padding-top: 2px;
}
.hf50-dot {
    width: 5px;
    height: 5px;
    border-radius: 999px;
    background: #ddd4f0;
    transition: width 0.35s ease, background 0.35s ease;
}
.hf50-dot.is-active {
    width: 14px;
    background: #FF6B35;
}

.hf50-avatars { display: flex; margin-bottom: 7px; }
.hf50-av {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.48rem;
    font-weight: 800;
    color: rgba(255, 255, 255, 0.95);
    border: 1.5px solid rgba(255, 255, 255, 0.8);
    margin-left: -6px;
    box-shadow: 0 1px 4px rgba(0, 0, 0, 0.12);
}
.hf50-avatars .hf50-av:first-child { margin-left: 0; }

.hf50-stars { margin-bottom: 6px; }
.hf50-stars svg { width: 56px; height: 11px; display: block; opacity: 0.9; }

/* Hide floating cards on tablet and mobile */
@media (max-width: 1199px) {
    .hf50-card-left,
    .hf50-card-right { display: none; }
}

/* ── FORM CARD (triballoans-style, 50kLoans colors) ── */
.form50-card {
    position: relative;
    z-index: 2;
    width: 100%;
    background: #ffffff;
    background-color: #ffffff;
    border-radius: 16px;
    overflow: hidden;
    scroll-margin-top: 90px;
    box-shadow:
        0 10px 40px rgba(45, 22, 84, 0.12),
        0 2px 10px rgba(45, 22, 84, 0.06);
    border: 1px solid #ece4f4;
    animation: fadeUp 0.7s ease 0.28s both;
    text-align: left;
    isolation: isolate;
}

.form50-card .fc50-header,
.form50-card .fc50-slider-wrap,
.form50-card .fc50-chips-wrap,
.form50-card .fc50-cta-wrap,
.form50-card .fc50-fine-block {
    background-color: #ffffff;
}

/* Amount header */
.fc50-header {
    padding: 22px 24px 18px;
    border-bottom: 1px solid #f0ecf8;
    text-align: center;
}
.fc50-label {
    display: block;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    color: #2D1654;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    white-space: nowrap;
    margin-bottom: 12px;
}
.fc50-amount-display {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 58px;
    background: linear-gradient(135deg, #faf8ff 0%, #fff7f2 48%, #f6f1ff 100%);
    border: 1.5px solid #e4daf0;
    border-radius: 12px;
    padding: 14px 18px;
    gap: 6px;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.95),
        0 3px 14px rgba(45, 22, 84, 0.06);
    transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
    position: relative;
}
.fc50-amount-display:focus-within {
    border-color: #FF6B35;
    background: linear-gradient(135deg, #fffaf8 0%, #fff3eb 45%, #faf8ff 100%);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.98),
        0 0 0 4px rgba(255, 107, 53, 0.1),
        0 4px 18px rgba(255, 107, 53, 0.1);
}
.fc50-currency {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.35rem;
    font-weight: 700;
    color: #6b5a8a;
    flex-shrink: 0;
    line-height: 1;
    transition: color 0.2s ease;
}
.fc50-amount-display:focus-within .fc50-currency {
    color: #FF6B35;
}
.fc50-amount-input {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.45rem, 4vw, 1.65rem);
    font-weight: 700;
    color: #2D1654;
    background: none;
    border: none;
    outline: none;
    width: 100%;
    min-width: 0;
    flex: 1;
    text-align: center;
    letter-spacing: -0.01em;
    line-height: 1.2;
    -moz-appearance: textfield;
}
.fc50-amount-input::placeholder {
    font-weight: 500;
    color: #9a88b8;
    font-size: clamp(0.95rem, 2.8vw, 1.1rem);
    text-align: center;
}
.fc50-amount-input::-webkit-outer-spin-button,
.fc50-amount-input::-webkit-inner-spin-button { -webkit-appearance: none; }

.fc50-max-warning {
    position: absolute;
    right: 10px;
    top: 50%;
    transform: translateY(-50%);
    font-family: 'Inter', sans-serif;
    font-size: 0.7rem;
    font-weight: 700;
    color: #dc2626;
    background: #fef2f2;
    border: 1px solid #fca5a5;
    padding: 2px 8px;
    border-radius: 6px;
    pointer-events: none;
    transition: opacity 0.3s;
    white-space: nowrap;
}

/* Slider */
.fc50-slider-wrap { padding: 8px 24px 4px; }

.fc50-slider {
    --slider-fill: 0%;
    width: 100%;
    height: 22px;
    -webkit-appearance: none;
    appearance: none;
    border-radius: 100px;
    outline: none;
    cursor: pointer;
    background: transparent;
    margin: 0;
}
.fc50-slider::-webkit-slider-runnable-track {
    height: 6px;
    border-radius: 100px;
    background: linear-gradient(to right, #FF6B35 var(--slider-fill), #c8b8de var(--slider-fill));
}
.fc50-slider::-moz-range-track {
    height: 6px;
    border-radius: 100px;
    background: #c8b8de;
    border: none;
}
.fc50-slider::-moz-range-progress {
    height: 6px;
    border-radius: 100px;
    background: #FF6B35;
}
.fc50-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    margin-top: -8px;
    border-radius: 50%;
    background: #FF6B35;
    border: 3px solid #ffffff;
    box-shadow: 0 2px 8px rgba(255, 107, 53, 0.4);
    cursor: pointer;
    transition: transform 0.12s, box-shadow 0.12s;
}
.fc50-slider::-webkit-slider-thumb:hover,
.fc50-slider:active::-webkit-slider-thumb {
    transform: scale(1.18);
    box-shadow: 0 3px 14px rgba(255, 107, 53, 0.55);
}
.fc50-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #FF6B35;
    border: 3px solid #ffffff;
    box-shadow: 0 2px 8px rgba(255, 107, 53, 0.4);
    cursor: pointer;
    box-sizing: border-box;
}
.fc50-slider-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 6px;
    font-size: 0.66rem;
    color: #9a8ab8;
    font-family: 'Inter', sans-serif;
    font-weight: 500;
}

/* Chips */
.fc50-chips-wrap {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    padding: 14px 24px 0;
}
.fc50-chip {
    flex: 1;
    min-width: calc(33.333% - 6px);
    padding: 11px 6px;
    border: 1.5px solid #e4daf0;
    border-radius: 10px;
    background: #ffffff;
    text-align: center;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.94rem;
    font-weight: 700;
    color: #2D1654;
    cursor: pointer;
    box-shadow: 0 1px 4px rgba(45, 22, 84, 0.04);
    transition: background-color 0.18s ease, border-color 0.18s ease,
                color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
    white-space: nowrap;
}
.fc50-chip:hover,
.fc50-chip.quick-btn:not(.active-btn):hover {
    background: rgba(255, 107, 53, 0.08);
    background-color: rgba(255, 107, 53, 0.08);
    border-color: #FF6B35;
    color: #E8561F;
    box-shadow: 0 4px 14px rgba(255, 107, 53, 0.14);
    transform: translateY(-1px);
}
.fc50-chip:focus-visible {
    outline: none;
    border-color: #FF6B35;
    box-shadow: 0 0 0 3px rgba(255, 107, 53, 0.18);
}
.fc50-chip.active-btn,
.fc50-chip.quick-btn.active-btn {
    background: #2D1654;
    background-color: #2D1654;
    border-color: #2D1654;
    color: #ffffff;
    box-shadow: 0 4px 16px rgba(45, 22, 84, 0.22);
    transform: translateY(-1px);
}
.fc50-chip.active-btn:hover,
.fc50-chip.quick-btn.active-btn:hover {
    background: #3D1D70;
    background-color: #3D1D70;
    border-color: #3D1D70;
    color: #ffffff;
    box-shadow: 0 6px 18px rgba(45, 22, 84, 0.28);
}

/* CTA wrap */
.fc50-cta-wrap { padding: 16px 24px 20px; }

/* The CTA button uses existing .continue-btn styles but we add form-card specific styles */
.fc50-cta-btn {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 20px;
    font-size: 1.05rem;
    font-weight: 700;
    font-family: 'Inter', sans-serif;
    letter-spacing: 0.02em;
    border-radius: 10px;
    border: none;
    cursor: pointer;
    background: linear-gradient(135deg, #FF6B35 0%, #e8561f 100%);
    color: #ffffff;
    box-shadow: 0 4px 18px rgba(255, 107, 53, 0.35);
    transition: transform 0.15s, box-shadow 0.15s, filter 0.15s;
    position: relative;
    overflow: hidden;
}
.fc50-cta-btn:hover {
    transform: scale(1.03) translateY(-1px);
    box-shadow: 0 8px 26px rgba(255, 107, 53, 0.45);
    filter: brightness(1.05);
}
.fc50-cta-btn svg { width: 15px; height: 15px; flex-shrink: 0; }

/* Trust row */
.fc50-trust-row {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
    margin-top: 10px;
}
.fc50-trust-item {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 0.67rem;
    font-weight: 600;
    color: #7a6a9a;
    font-family: 'Inter', sans-serif;
}
.fc50-trust-item svg { width: 11px; height: 11px; flex-shrink: 0; }
.fc50-trust-dot {
    width: 2px;
    height: 2px;
    border-radius: 50%;
    background: #d0c4e8;
    flex-shrink: 0;
}
.fc50-trust-hide-mobile { display: none; }
@media (min-width: 420px) {
    .fc50-trust-hide-mobile { display: inline-flex; }
}

/* Fine print */
.fc50-fine-block {
    padding: 10px 24px 12px;
    border-top: 1px solid #f0ecf8;
}
.fc50-fine {
    font-size: 0.62rem;
    color: #b8a8cc;
    line-height: 1.7;
    text-align: center;
    font-family: 'Inter', sans-serif;
}
.fc50-fine button {
    color: #FF6B35;
    font-weight: 600;
    text-decoration: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    font-family: inherit;
    font-size: inherit;
}
.fc50-fine button:hover { text-decoration: underline; }

/* ── Responsive ── */
@media (max-width: 600px) {
    .hero50-center { padding: 36px 18px 44px; }
    .fc50-chips-wrap { gap: 6px; padding: 12px 16px 0; }
    .fc50-chip { min-width: calc(33.333% - 5px); font-size: 0.86rem; padding: 10px 4px; }
    .fc50-header { padding: 18px 16px 14px; }
    .fc50-label { font-size: 0.68rem; letter-spacing: 0.045em; }
    .fc50-amount-display { min-height: 54px; padding: 12px 14px; }
    .fc50-slider-wrap { padding: 12px 16px 4px; }
    .fc50-cta-wrap { padding: 12px 16px 16px; }
    .fc50-fine-block { padding: 8px 16px 10px; }
}

/* ── Loan guide article sections (landing pages) ── */
.bc-article-section {
    background: #f8fafc;
}
.bc-article h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.0625rem;
    color: #120821;
    margin-bottom: 0.55rem;
    line-height: 1.3;
}
.bc-article p {
    font-size: 0.9rem;
    color: #475569;
    line-height: 1.75;
    margin-bottom: 1.4rem;
    font-weight: 300;
}
.bc-article ul {
    list-style: none;
    padding: 0;
    margin: 0 0 1.4rem;
}
.bc-article ul li {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    font-size: 0.875rem;
    color: #475569;
    line-height: 1.65;
    margin-bottom: 0.55rem;
    font-weight: 300;
}
.bc-article ul li::before {
    content: '';
    flex-shrink: 0;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #FF6B35;
    margin-top: 0.55rem;
}
.bc-divider {
    height: 1px;
    background: linear-gradient(to right, transparent, #e2e8f0, transparent);
    margin: 1.75rem 0;
}
.bc-sidebar-card {
    background: linear-gradient(145deg, #2D1654 0%, #1a0d2e 100%);
    border-radius: 1rem;
    padding: 1.5rem;
    color: #fff;
}
.bc-sidebar-card h4 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 0.95rem;
    margin-bottom: 1rem;
    color: #fff;
}
.bc-stat-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.55rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    font-size: 0.78rem;
}
.bc-stat-row:last-of-type {
    border-bottom: none;
}
.bc-stat-label {
    color: rgba(255,255,255,0.65);
    font-weight: 400;
}
.bc-stat-value {
    color: #fff;
    font-weight: 700;
    text-align: right;
}
.bc-sidebar-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    width: 100%;
    margin-top: 1.25rem;
    padding: 0.75rem 1rem;
    border-radius: 999px;
    background: #FF6B35;
    color: #fff;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.82rem;
    text-decoration: none;
    transition: background 0.2s ease, transform 0.2s ease;
}
.bc-sidebar-cta:hover {
    background: #E8561F;
    transform: translateY(-1px);
}
.bc-steps-list {
    list-style: none;
    padding: 0;
    margin: 0 0 1.4rem;
    counter-reset: bc-step;
}
.bc-steps-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    font-size: 0.875rem;
    color: #475569;
    line-height: 1.65;
    margin-bottom: 0.75rem;
    font-weight: 300;
    counter-increment: bc-step;
}
.bc-steps-list li::before {
    content: counter(bc-step);
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #2D1654;
    color: #fff;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 0.7rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 0.18rem;
}