/* ==========================================================================
   Hariet Invest — Design tokens
   ========================================================================== */
:root{
  --green:        #22C55E;
  --green-dark:   #16A34A;
  --green-deep:   #0F5132;
  --green-light:  #DCFCE7;
  --green-mist:   #F0FDF4;
  --ink:          #0F172A;
  --ink-soft:     #334155;
  --gray:         #64748B;
  --gray-light:   #94A3B8;
  --line:         #E2E8F0;
  --bg:           #FFFFFF;
  --bg-soft:      #F8FAFC;
  --white:        #FFFFFF;
  --radius-sm:    10px;
  --radius-md:    16px;
  --radius-lg:    28px;
  --shadow-sm:    0 2px 8px rgba(15,23,42,0.06);
  --shadow-md:    0 12px 32px rgba(15,23,42,0.10);
  --shadow-green: 0 16px 40px rgba(34,197,94,0.25);
  --container:    1180px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
html,body{overflow-x:hidden;max-width:100%;}
body{
  margin:0;
  font-family:'Poppins',sans-serif;
  color:var(--ink-soft);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
}
h1,h2,h3,h4{
  font-family:'Poppins',sans-serif;
  color:var(--ink);
  margin:0 0 .5em;
  line-height:1.15;
  font-weight:700;
  letter-spacing:-0.02em;
}
p{margin:0 0 1em;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;list-style:none;}
button{font-family:'Poppins',sans-serif;cursor:pointer;border:none;}
.container{max-width:var(--container);margin:0 auto;padding:0 24px;}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  color:var(--green-dark);background:var(--green-light);
  padding:6px 14px;border-radius:999px;margin-bottom:16px;
}
.section{padding:88px 0;}
.section-head{max-width:640px;margin:0 0 48px;}
.section-head.center{margin:0 auto 56px;text-align:center;}
.section-head p{color:var(--gray);font-size:17px;}
.text-green{color:var(--green-dark);}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:15px 30px;border-radius:12px;font-weight:600;font-size:15px;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--green);color:#fff;box-shadow:var(--shadow-green);}
.btn-primary:hover{background:var(--green-dark);transform:translateY(-2px);}
.btn-dark{background:var(--ink);color:#fff;}
.btn-dark:hover{background:#1E293B;transform:translateY(-2px);}
.btn-outline{background:transparent;color:var(--ink);border:1.5px solid var(--line);}
.btn-outline:hover{border-color:var(--green);color:var(--green-dark);}
.btn-outline-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4);}
.btn-outline-light:hover{background:rgba(255,255,255,.12);}
.btn-block{width:100%;}
.btn-lg{padding:18px 36px;font-size:16px;}

/* ==========================================================================
   Header
   ========================================================================== */
.site-header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,.85);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;align-items:center;gap:40px;
  width:100%;padding:16px clamp(24px, 4vw, 64px);
}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:20px;color:var(--ink);flex-shrink:0;}
.brand span{white-space:nowrap;}
.brand-mark{
  width:38px;height:38px;border-radius:10px;
  object-fit:contain;flex-shrink:0;
  box-shadow:var(--shadow-green);
}
.nav-links{flex:1;display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:nowrap;min-width:0;}
.nav-links a{font-size:14px;font-weight:500;color:var(--ink-soft);position:relative;padding:6px 0;white-space:nowrap;}
.nav-links a:hover{color:var(--green-dark);}
.nav-links .dropdown{position:relative;flex-shrink:0;}
.nav-links .dropdown>span{display:flex;align-items:center;gap:5px;cursor:pointer;font-size:14px;font-weight:500;color:var(--ink-soft);white-space:nowrap;}
.nav-links .dropdown:hover>span{color:var(--green-dark);}
.dropdown-menu{
  position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(6px);
  background:#fff;border-radius:14px;box-shadow:var(--shadow-md);border:1px solid var(--line);
  min-width:220px;padding:10px;opacity:0;visibility:hidden;transition:all .18s ease;
}
.dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.dropdown-menu a{display:block;padding:10px 14px;border-radius:8px;font-size:14px;color:var(--ink-soft);}
.dropdown-menu a:hover{background:var(--green-mist);color:var(--green-dark);}
.nav-cta{display:flex;align-items:center;gap:18px;flex-shrink:0;margin-left:auto;}
.lang-switch{display:flex;align-items:center;gap:6px;flex-shrink:0;padding-left:18px;position:relative;}
.lang-switch::before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:26px;background:var(--line);}
.lang-switch a{
  display:flex;align-items:center;justify-content:center;
  width:44px;height:44px;border-radius:11px;font-size:25px;line-height:1;
  border:1.5px solid transparent;
  filter:grayscale(65%) opacity(.6);
  transition:filter .15s ease,background .15s ease,border-color .15s ease,transform .15s ease;
}
.lang-switch a:hover{filter:grayscale(0%) opacity(1);background:var(--green-mist);transform:translateY(-1px);}
.lang-switch a.lang-active{filter:grayscale(0%) opacity(1);background:var(--green-light);border-color:var(--green);}
.lang-switch .flag{font-size:25px;}
.mobile-panel .lang-switch{justify-content:center;gap:12px;margin:20px 0 4px;padding:0;}
.mobile-panel .lang-switch::before{display:none;}
.mobile-panel .lang-switch a{
  width:auto;height:auto;flex-direction:column;gap:4px;padding:10px 18px;
  border:1px solid var(--line);border-radius:10px;font-size:12.5px;font-weight:600;color:var(--ink-soft);
}
.mobile-panel .lang-switch a .flag{font-size:26px;}
.mobile-panel .lang-switch a.lang-active{border-color:var(--green);}
@media (max-width:1180px){
  .lang-switch a{width:36px;height:36px;font-size:20px;border-radius:9px;}
  .lang-switch .flag{font-size:20px;}
}
.nav-phone{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ink);white-space:nowrap;}
.nav-phone svg{color:var(--green);flex-shrink:0;}
.burger{display:none;background:none;padding:6px;flex-shrink:0;}
.burger span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px;}

.mobile-panel{display:none;position:fixed;inset:0;background:#fff;z-index:300;padding:24px;overflow-y:auto;}
.mobile-panel.open{display:block;}
.mobile-panel .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:32px;}
.mobile-panel a{display:block;padding:16px 0;font-size:18px;font-weight:600;border-bottom:1px solid var(--line);color:var(--ink);}
.close-x{font-size:28px;background:none;color:var(--ink);}

/* ==========================================================================
   Hero — animated prototype
   ========================================================================== */
.hero{
  position:relative;overflow:hidden;
  background:radial-gradient(ellipse 900px 500px at 85% -10%, var(--green-light) 0%, transparent 60%), var(--bg-soft);
  padding:90px 0 70px;
}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}

/* Ambient animated blobs */
.hero-blob{
  position:absolute;border-radius:50%;filter:blur(60px);opacity:.35;z-index:1;pointer-events:none;
  background:radial-gradient(circle at 30% 30%, var(--green), transparent 70%);
}
.blob-a{width:420px;height:420px;top:-140px;right:-100px;animation:blobFloat 14s ease-in-out infinite;}
.blob-b{width:280px;height:280px;bottom:-100px;left:-80px;opacity:.25;animation:blobFloat 18s ease-in-out infinite reverse;}
@keyframes blobFloat{
  0%,100%{transform:translate(0,0) scale(1);}
  50%{transform:translate(24px,-20px) scale(1.08);}
}

/* Entrance animation, staggered via --d custom property */
.anim-in{
  opacity:0;transform:translateY(22px);
  animation:heroEnter .7s cubic-bezier(.22,1,.36,1) forwards;
  animation-delay:var(--d, 0s);
}
@keyframes heroEnter{
  to{opacity:1;transform:translateY(0);}
}

/* Floating cards gentle loop */
.float-anim{animation:cardFloat 4.5s ease-in-out infinite;animation-delay:var(--fd, 0s);}
@keyframes cardFloat{
  0%,100%{transform:translateY(0);}
  50%{transform:translateY(-10px);}
}

/* Hero slider (single DOM, content swapped via JS) */
.hero-copy,.hero-media img{transition:opacity .25s ease;}
.hero-copy.fading,.hero-media img.fading{opacity:0;}
.hero-slider-dots{display:flex;gap:9px;margin-top:32px;}
.hero-slider-dots .dot{width:10px;height:10px;border-radius:50%;background:var(--line);padding:0;transition:all .25s ease;flex-shrink:0;}
.hero-slider-dots .dot.active{background:var(--green);width:30px;border-radius:6px;}
.hero-slider-dots .dot:hover{background:var(--gray-light);}

/* Animated counters reuse .hero-stats b as target */
.hero-stats b{display:block;font-size:26px;color:var(--ink);font-weight:700;}
.hero h1{font-size:clamp(34px,4.4vw,54px);}
.hero .lead{font-size:18px;color:var(--gray);max-width:520px;}
.hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.hero-stats{display:flex;gap:36px;margin-top:48px;flex-wrap:wrap;}
.hero-stats .stat b{display:block;font-size:26px;color:var(--ink);font-weight:700;}
.hero-stats .stat span{font-size:13px;color:var(--gray);}
.hero-media{position:relative;}
.hero-media img{
  width:100%;display:block;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);
  aspect-ratio:4/4.4;object-fit:cover;background:linear-gradient(135deg, var(--green-mist) 0%, var(--green-light) 100%);
}
.hero-visual{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  aspect-ratio:4/4.4;box-shadow:var(--shadow-md);
  background:linear-gradient(135deg, var(--green-mist) 0%, var(--green-light) 100%);
  display:flex;align-items:center;justify-content:center;
}
.hero-visual::before,.hero-visual::after{
  content:"";position:absolute;border-radius:50%;filter:blur(50px);opacity:.55;
  animation:heroBlob 9s ease-in-out infinite;
}
.hero-visual::before{width:230px;height:230px;background:var(--green);top:-50px;left:-50px;}
.hero-visual::after{width:190px;height:190px;background:var(--green-dark);bottom:-40px;right:-40px;animation-delay:2.4s;}
@keyframes heroBlob{
  0%,100%{transform:translate(0,0) scale(1);}
  50%{transform:translate(18px,22px) scale(1.12);}
}
.hero-visual .icon-badge{
  position:relative;z-index:2;width:132px;height:132px;border-radius:32px;
  background:rgba(255,255,255,.92);display:flex;align-items:center;justify-content:center;
  color:var(--green-dark);box-shadow:var(--shadow-md);
  animation:heroIconFloat 4.5s ease-in-out infinite;
}
@keyframes heroIconFloat{
  0%,100%{transform:translateY(0);}
  50%{transform:translateY(-16px);}
}
.hero-visual img{
  position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:3;
  border-radius:var(--radius-lg);
}
.floating-card{
  position:absolute;background:#fff;border-radius:16px;box-shadow:var(--shadow-md);
  padding:16px 18px;display:flex;align-items:center;gap:12px;border:1px solid var(--line);
}
.floating-card .ic{
  width:42px;height:42px;border-radius:10px;background:var(--green-light);
  display:flex;align-items:center;justify-content:center;color:var(--green-dark);flex-shrink:0;
}
.floating-card b{display:block;font-size:15px;color:var(--ink);}
.floating-card span{font-size:12px;color:var(--gray);}
.fc-top{top:-6%;left:-8%;}
.fc-bottom{bottom:-6%;right:-8%;}

/* Trust bar */
.trust-bar{padding:34px 0;border-bottom:1px solid var(--line);border-top:1px solid var(--line);}
.trust-bar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px;}
.trust-item{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;color:var(--ink-soft);}
.trust-item svg{color:var(--green);flex-shrink:0;}

/* ==========================================================================
   Loan cards
   ========================================================================== */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.loan-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-md);
  padding:30px 26px;transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.loan-icon{
  width:52px;height:52px;border-radius:14px;background:var(--green-light);color:var(--green-dark);
  display:flex;align-items:center;justify-content:center;margin-bottom:20px;
}
.loan-card h3{font-size:19px;margin-bottom:8px;}
.loan-card p{font-size:14.5px;color:var(--gray);margin-bottom:18px;}
.loan-card .rate{font-size:13px;font-weight:600;color:var(--green-dark);margin-bottom:14px;display:block;}
.loan-card .go{font-size:14px;font-weight:600;color:var(--ink);display:inline-flex;align-items:center;gap:6px;}
.loan-card .go svg{transition:transform .18s ease;}
.loan-card:hover .go svg{transform:translateX(4px);}

/* ==========================================================================
   Simulator
   ========================================================================== */
.simulator-section{background:var(--ink);position:relative;overflow:hidden;}
.simulator-section::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(ellipse 700px 400px at 10% 10%, rgba(34,197,94,.25), transparent 60%);
}
.sim-grid{position:relative;display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center;}
.sim-copy h2{color:#fff;font-size:clamp(28px,3.4vw,40px);}
.sim-copy p{color:#CBD5E1;font-size:16px;}
.sim-copy .eyebrow{background:rgba(34,197,94,.15);color:#4ADE80;}
.sim-card{
  background:#fff;border-radius:var(--radius-lg);box-shadow:0 30px 60px rgba(0,0,0,.35);
  padding:36px;
}
.sim-field{margin-bottom:26px;}
.sim-field label{display:flex;justify-content:space-between;font-size:14px;font-weight:600;color:var(--ink);margin-bottom:10px;}
.sim-field label .val{color:var(--green-dark);font-weight:700;}
input[type=range]{
  -webkit-appearance:none;width:100%;height:6px;border-radius:6px;background:var(--line);outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--green);
  border:4px solid #fff;box-shadow:0 2px 8px rgba(34,197,94,.5);cursor:pointer;
}
input[type=range]::-moz-range-thumb{
  width:22px;height:22px;border-radius:50%;background:var(--green);border:4px solid #fff;
  box-shadow:0 2px 8px rgba(34,197,94,.5);cursor:pointer;
}
.sim-result{
  background:var(--green-mist);border:1px solid var(--green-light);border-radius:16px;
  padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:6px;
}
.sim-result .row{}
.sim-result .row span{display:block;font-size:12.5px;color:var(--gray);margin-bottom:4px;}
.sim-result .row b{font-size:22px;color:var(--ink);}
.sim-result .row b.green{color:var(--green-dark);}
.sim-rate-note{font-size:12px;color:var(--gray-light);margin-top:16px;text-align:center;}

/* ==========================================================================
   Steps / how it works
   ========================================================================== */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:step;}
.step{position:relative;padding-top:8px;}
.step .num{
  font-size:14px;font-weight:700;color:var(--green-dark);background:var(--green-light);
  width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.step h3{font-size:17px;margin-bottom:8px;}
.step p{font-size:14.5px;color:var(--gray);}

/* ==========================================================================
   Split / feature sections
   ========================================================================== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.split.reverse .split-media{order:2;}
.split-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);width:100%;object-fit:cover;aspect-ratio:5/4;}
.check-list li{display:flex;gap:12px;margin-bottom:16px;font-size:15px;color:var(--ink-soft);align-items:flex-start;}
.check-list svg{color:var(--green);flex-shrink:0;margin-top:2px;}

/* Testimonials */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.testi-card{background:var(--bg-soft);border-radius:var(--radius-md);padding:28px;border:1px solid var(--line);}
.testi-stars{color:var(--green);font-size:15px;margin-bottom:14px;letter-spacing:2px;}
.testi-card p{font-size:14.5px;color:var(--ink-soft);}
.testi-person{display:flex;align-items:center;gap:12px;margin-top:18px;}
.testi-person img{width:44px;height:44px;border-radius:50%;object-fit:cover;}
.testi-person b{display:block;font-size:14px;color:var(--ink);}
.testi-person span{font-size:12.5px;color:var(--gray);}

/* CTA band */
.cta-band{
  background:linear-gradient(120deg,var(--green-dark),var(--green));
  border-radius:var(--radius-lg);padding:56px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
  box-shadow:var(--shadow-green);
}
.cta-band h2{color:#fff;margin-bottom:6px;font-size:28px;}
.cta-band p{color:rgba(255,255,255,.85);margin:0;}

/* FAQ */
.faq{max-width:820px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line);padding:22px 0;}
.faq-item button{background:none;width:100%;display:flex;justify-content:space-between;align-items:center;font-size:16px;font-weight:600;color:var(--ink);text-align:left;}
.faq-item .icon{transition:transform .2s ease;color:var(--green);flex-shrink:0;}
.faq-item.open .icon{transform:rotate(45deg);}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.faq-item.open .faq-answer{max-height:300px;}
.faq-answer p{padding-top:14px;color:var(--gray);font-size:14.5px;}

/* ==========================================================================
   Page hero (inner pages)
   ========================================================================== */
.page-hero{
  background:var(--bg-soft);padding:64px 0 56px;
  border-bottom:1px solid var(--line);
}
.breadcrumb{font-size:13px;color:var(--gray);margin-bottom:16px;}
.breadcrumb a{color:var(--gray);}
.breadcrumb a:hover{color:var(--green-dark);}
.page-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.page-hero h1{font-size:clamp(30px,3.6vw,44px);}
.page-hero .lead{font-size:16.5px;color:var(--gray);max-width:520px;}
.page-hero img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);width:100%;aspect-ratio:5/4;object-fit:cover;}
.pill-list{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px;}
.pill{background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:999px;font-size:13px;font-weight:600;color:var(--ink-soft);}

/* Requirements / docs */
.req-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.req-item{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;}
.req-item .ic{width:40px;height:40px;border-radius:10px;background:var(--green-light);color:var(--green-dark);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.req-item h4{font-size:15px;margin-bottom:4px;}
.req-item p{font-size:13.5px;color:var(--gray);margin:0;}

/* Table */
.rate-table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-sm);}
.rate-table th,.rate-table td{padding:16px 20px;text-align:left;font-size:14.5px;border-bottom:1px solid var(--line);}
.rate-table th{background:var(--bg-soft);font-weight:600;color:var(--ink);}
.rate-table td{color:var(--gray);}
.rate-table tr:last-child td{border-bottom:none;}

/* ==========================================================================
   Contact page
   ========================================================================== */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;}
.contact-info-card{background:var(--ink);border-radius:var(--radius-lg);padding:38px;color:#fff;}
.contact-info-card h3{color:#fff;}
.contact-row{display:flex;gap:14px;align-items:flex-start;margin-bottom:24px;}
.contact-row .ic{width:42px;height:42px;border-radius:10px;background:rgba(34,197,94,.18);color:#4ADE80;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.contact-row b{display:block;font-size:14px;color:#fff;margin-bottom:2px;}
.contact-row span,.contact-row a{font-size:14px;color:#CBD5E1;}
.social-row{display:flex;gap:10px;margin-top:8px;}
.social-row a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;}
.social-row a:hover{background:var(--green);}

.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:38px;box-shadow:var(--shadow-sm);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:20px;}
.field label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:8px;}
.field input,.field select,.field textarea{
  width:100%;padding:13px 16px;border:1.5px solid var(--line);border-radius:10px;font-family:'Poppins',sans-serif;
  font-size:14.5px;color:var(--ink);background:var(--bg-soft);transition:border-color .15s ease;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--green);background:#fff;}
.field textarea{resize:vertical;min-height:110px;}
.form-note{font-size:12.5px;color:var(--gray);margin-top:10px;}

/* Map */
.map-wrap{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--line);}
.map-wrap iframe{width:100%;height:340px;border:0;display:block;}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer{background:var(--ink);color:#CBD5E1;padding:70px 0 26px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:50px;}
.footer-brand p{font-size:14px;color:#94A3B8;max-width:280px;}
.footer-col h4{color:#fff;font-size:14px;margin-bottom:18px;}
.footer-col a{display:block;font-size:14px;color:#94A3B8;margin-bottom:12px;}
.footer-col a:hover{color:var(--green);}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:26px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;}
.footer-bottom p{margin:0;font-size:13px;color:#64748B;}
.footer-legal{display:flex;gap:20px;}
.footer-legal a{font-size:13px;color:#64748B;}
.footer-legal a:hover{color:var(--green);}

/* ==========================================================================
   Utilities / animation
   ========================================================================== */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease, transform .6s ease;}
.reveal.in{opacity:1;transform:translateY(0);}

/* ==========================================================================
   Responsive
   ========================================================================== */
.sim-grid-alt{grid-template-columns:1fr 1.1fr;}
.contact-grid-narrow{grid-template-columns:.75fr 1.25fr;}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:14px;}
.table-scroll .rate-table{min-width:520px;box-shadow:none;}

@media (max-width:1180px){
  .nav{gap:18px;}
  .nav-links{gap:16px;}
  .nav-phone{display:none;}
}

@media (max-width:1024px){
  .nav-links,.nav-phone{display:none;}
  .burger{display:block;}
  .loan-grid{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:repeat(2,1fr);}
  .testi-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .split,.sim-grid,.sim-grid-alt,.hero-grid,.page-hero-grid,.contact-grid,.contact-grid-narrow{grid-template-columns:1fr !important;}
  .split-media{order:-1 !important;}
  .hero-media{order:-1;}
  .req-grid{grid-template-columns:1fr;}
}

@media (max-width:760px){
  .nav{padding:14px 20px;}
  .brand{font-size:17px;gap:8px;}
  .brand-mark{width:32px;height:32px;}
  .nav-cta .btn{padding:11px 18px;font-size:13.5px;}
  .section{padding:52px 0;}
  .section-head{margin-bottom:32px;}
  .container{padding:0 20px;}
  .hero{padding:44px 0 48px;}
  .hero h1{font-size:clamp(26px,7vw,34px);}
  .hero .lead{font-size:15.5px;}
  .hero-actions{margin-top:24px;}
  .hero-actions .btn{width:100%;}
  .hero-blob{display:none;}
  .loan-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
  .testi-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;gap:32px;}
  .footer-brand p{max-width:none;}
  .form-row{grid-template-columns:1fr;}
  .sim-card{padding:26px 22px;}
  .sim-result{grid-template-columns:1fr 1fr;gap:14px;padding:18px;}
  .sim-result .row b{font-size:18px;}
  .cta-band{flex-direction:column;text-align:center;padding:34px 24px;}
  .cta-band h2{font-size:22px;}
  .cta-band > div:last-child{width:100%;}
  .cta-band .btn{width:100%;}
  .req-grid{grid-template-columns:1fr;}
  .req-item{padding:16px;}
  .hero-stats{gap:20px;justify-content:flex-start !important;}
  .hero-stats .stat b{font-size:22px;}
  .floating-card{display:none;}
  .hero-media img{aspect-ratio:4/3;}
  .hero-slider-dots{justify-content:center;margin-top:24px;}
  .page-hero{padding:40px 0 36px;}
  .page-hero h1{font-size:clamp(24px,7vw,30px);}
  .pill-list{gap:8px;}
  .pill{font-size:12px;padding:6px 12px;}
  .contact-info-card,.form-card{padding:26px 22px;}
  .map-wrap iframe{height:260px;}
  .steps .num{font-size:13px;}
  .rate-table th,.rate-table td{padding:12px 14px;font-size:13.5px;}
  .testi-card{padding:22px;}
}

@media (max-width:420px){
  .nav-cta .btn{display:none;}
  .brand span{display:none;}
  .hero-stats{justify-content:space-between !important;width:100%;}
  .btn-lg{padding:15px 26px;font-size:14.5px;}
}