/* =====================================================================
   IndoStar Capital Finance — Main Stylesheet v2
   Fonts: Barlow Condensed (display) + Poppins (body) via Google Fonts
   ===================================================================== */


/* ─── Reset ──────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
img, svg, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font: inherit; }
ul, ol { list-style: none; }
input, textarea, select { font: inherit; }

/* ─── Design Tokens ──────────────────────────────────────────────────── */
:root {
  /* Brand */
  --teal-50:  #E7FAF8;
  --teal-100: #BBFAF7;
  --teal-200: #DEFCFB;
  --teal-300: #8FD8D2;
  --teal-400: #4FB5AC;
  --teal-500: #32A39B;
  --teal-600: #1B928A;
  --teal-700: #1B625C;
  --teal-800: #0D3A36;
  --teal-900: #062F2D;

  --amber:    #E0A23A;
  --amber-dk: #C48A28;

  --white:     #FFFFFF;
  --page:      #F7FEFF;
  --surface:   #FFFFFF;
  --warm:      #F4F1EE;
  --line:      #E3EAEA;
  --line-2:    #C8E7E2;

  --ink-900: #1A1F1F;
  --ink-700: #3D4A4A;
  --ink-500: #6B7A7A;
  --ink-300: #A8B5B5;

  /* Type */
  --font-d: 'Barlow Condensed', 'Arial Narrow', sans-serif;
  --font-b: 'Poppins', system-ui, sans-serif;

  --fw-reg: 400;
  --fw-med: 500;
  --fw-sb:  600;
  --fw-bd:  700;
  --fw-blk: 900;

  /* Fluid scale */
  --t-2xs:  clamp(0.625rem, 1.2vw, 0.7rem);
  --t-xs:   clamp(0.7rem,   1.5vw, 0.75rem);
  --t-sm:   clamp(0.8rem,   1.8vw, 0.875rem);
  --t-base: clamp(0.9rem,   2vw,   1rem);
  --t-md:   clamp(1rem,     2.2vw, 1.125rem);
  --t-lg:   clamp(1.1rem,   2.5vw, 1.375rem);
  --t-xl:   clamp(1.25rem,  3vw,   1.75rem);
  --t-2xl:  clamp(1.5rem,   3.5vw, 2.25rem);
  --t-3xl:  clamp(1.875rem, 4.5vw, 3rem);
  --t-4xl:  clamp(2.5rem,   6vw,   4rem);
  --t-5xl:  clamp(3rem,     7.5vw, 5.5rem);

  /* Spacing — 4px base */
  --sp-1:  0.25rem;
  --sp-2:  0.5rem;
  --sp-3:  0.75rem;
  --sp-4:  1rem;
  --sp-5:  1.25rem;
  --sp-6:  1.5rem;
  --sp-8:  2rem;
  --sp-10: 2.5rem;
  --sp-12: 3rem;
  --sp-16: 4rem;
  --sp-20: 5rem;
  --sp-24: 6rem;

  /* Radii */
  --r-sm:   4px;
  --r-md:   8px;
  --r-lg:   14px;
  --r-xl:   22px;
  --r-2xl:  32px;
  --r-pill: 999px;

  /* Shadows */
  --sh-xs: 0 1px 3px rgba(13,58,54,.07);
  --sh-sm: 0 2px 10px rgba(13,58,54,.09);
  --sh-md: 0 8px 28px rgba(13,58,54,.11);
  --sh-lg: 0 20px 50px rgba(13,58,54,.15);
  --sh-xl: 0 32px 80px rgba(13,58,54,.20);

  /* Motion */
  --ease-out: cubic-bezier(0.2, 0.7, 0.2, 1);
  --ease-io:  cubic-bezier(0.45, 0, 0.25, 1);
  --dur-f: 160ms;
  --dur-b: 260ms;
  --dur-s: 420ms;
}

/* ─── Base ───────────────────────────────────────────────────────────── */
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-b);
  background: var(--white);
  color: var(--ink-700);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin-inline: auto;
  padding-inline: clamp(var(--sp-4), 4vw, var(--sp-10));
}

/* ─── Utility ────────────────────────────────────────────────────────── */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-family: var(--font-b);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal-600);
}
.eyebrow::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--teal-500);
  border-radius: 2px;
  flex-shrink: 0;
}
.eyebrow--inv { color: var(--teal-200); }
.eyebrow--inv::before { background: var(--teal-300); }
.eyebrow--amber { color: var(--amber); }
.eyebrow--amber::before { background: var(--amber); }

.section-title {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-4xl);
  line-height: 1.0;
  color: var(--ink-900);
  letter-spacing: -0.02em;
}
.section-title--inv { color: var(--white); }
.section-title--amber { color: var(--amber); }
.section-title em { font-style: italic; color: var(--teal-500); }
.section-title--inv em { color: var(--teal-200); }

.lead {
  font-size: var(--t-md);
  line-height: 1.7;
  color: var(--ink-500);
  max-width: 54ch;
}
.lead--inv { color: rgba(255,255,255,0.7); }
.lead--wide { max-width: 72ch; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-family: var(--font-b);
  font-size: var(--t-sm);
  font-weight: var(--fw-sb);
  line-height: 1;
  border: 2px solid transparent;
  border-radius: var(--r-pill);
  padding: 0.8em 1.75em;
  transition: all var(--dur-f) var(--ease-out);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn:active { transform: scale(0.97); }

.btn--amber {
  background: var(--amber);
  color: var(--teal-900);
  border-color: var(--amber);
  box-shadow: 0 4px 20px rgba(224,162,58,.35);
}
.btn--amber:hover {
  background: var(--amber-dk);
  border-color: var(--amber-dk);
  box-shadow: 0 6px 28px rgba(224,162,58,.45);
  transform: translateY(-1px);
}

.btn--teal {
  background: var(--teal-500);
  color: #fff;
  border-color: var(--teal-500);
  box-shadow: 0 4px 16px rgba(50,163,155,.30);
}
.btn--teal:hover {
  background: var(--teal-600);
  border-color: var(--teal-600);
  box-shadow: 0 6px 22px rgba(50,163,155,.40);
  transform: translateY(-1px);
}

.btn--ghost-white {
  background: transparent;
  color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.35);
}
.btn--ghost-white:hover {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border-color: rgba(255,255,255,0.7);
}

.btn--ghost-teal {
  background: transparent;
  color: var(--teal-600);
  border-color: var(--teal-200);
  padding-inline: var(--sp-6);
}
.btn--ghost-teal:hover {
  background: var(--teal-50);
  border-color: var(--teal-400);
}

.btn--ghost-dark {
  background: transparent;
  color: rgba(255,255,255,0.7);
  border: none;
  padding-inline: 0;
  gap: var(--sp-3);
  font-size: var(--t-sm);
}
.btn--ghost-dark:hover { color: #fff; gap: var(--sp-4); }

.btn--lg { font-size: var(--t-base); padding: 0.9em 2.2em; }

.btn svg { transition: transform var(--dur-f); flex-shrink: 0; }
.btn:hover svg { transform: translateX(3px); }

/* Global focus-visible — keyboard navigation */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--amber);
  outline-offset: 3px;
  border-radius: 2px;
}
.btn:focus-visible { outline-offset: 4px; }
.loan-type-btn:focus-visible { outline-offset: 2px; }
.products__tab:focus-visible { outline-offset: 2px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* Section wrapper */
.section { padding-block: clamp(var(--sp-16), 9vw, var(--sp-24)); }
.section--tight { padding-block: clamp(var(--sp-10), 6vw, var(--sp-16)); }
.section--flush { padding-block: 0; }
.section--dark { background: var(--teal-800); }
.section--deep { background: var(--teal-900); }
.section--mid  { background: var(--teal-700); }
.section--soft { background: var(--teal-50); }
.section--warm { background: var(--warm); }
.section--white { background: var(--white); }

.section__head {
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  margin-bottom: clamp(var(--sp-10), 6vw, var(--sp-16));
}
.section__head--center { align-items: center; text-align: center; }
.section__head--center .lead { margin-inline: auto; }

/* Scroll reveal */
[data-reveal] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity var(--dur-s) var(--ease-out),
              transform var(--dur-s) var(--ease-out);
}
[data-reveal].visible { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: 80ms; }
[data-reveal][data-delay="2"] { transition-delay: 160ms; }
[data-reveal][data-delay="3"] { transition-delay: 240ms; }
[data-reveal][data-delay="4"] { transition-delay: 320ms; }
[data-reveal][data-delay="5"] { transition-delay: 400ms; }
[data-reveal][data-delay="6"] { transition-delay: 480ms; }

/* ─── HEADER ─────────────────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow var(--dur-b);
}
.site-header.elevated { box-shadow: 0 2px 24px rgba(13,58,54,.10); }

/* Upcoming items (pages / app not yet live) */
.is-soon { opacity: 0.6; cursor: default; pointer-events: none; }
.soon-tag {
  display: inline-block;
  margin-left: 6px;
  padding: 1px 7px;
  font-size: 9px;
  font-weight: var(--fw-bd);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--teal-700);
  background: var(--teal-100);
  border-radius: var(--r-pill);
  vertical-align: middle;
}
.news-card__soon {
  display: inline-flex;
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--ink-300);
}

.header__wrap {
  display: flex;
  flex-direction: column;
}

.header__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: var(--sp-3);
  gap: var(--sp-4);
  border-bottom: 1px solid var(--line);
}

.header__logo img { width: 140px; height: auto; display: block; }

.header__nav { display: none; }
.header__nav-list {
  display: flex;
  align-items: center;
  gap: 2px;
}
.header__nav-list a {
  font-size: var(--t-sm);
  font-weight: var(--fw-med);
  color: var(--ink-700);
  padding: var(--sp-2) var(--sp-3);
  border-radius: var(--r-md);
  transition: color var(--dur-f), background var(--dur-f);
  position: relative;
}
.header__nav-list a:hover { color: var(--teal-700); background: var(--teal-50); }
.header__nav-list a.active {
  color: var(--teal-700);
  font-weight: var(--fw-sb);
}
.header__nav-list a.active::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: var(--sp-3);
  right: var(--sp-3);
  height: 2px;
  background: var(--teal-500);
  border-radius: 2px;
}

.header__actions {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
}

.header__search-wrap {
  display: none;
  align-items: stretch;
  background: var(--page);
  border: 1.5px solid var(--line);
  border-radius: var(--r-pill);
  padding: 3px 4px 3px 14px;
  width: 210px;
  transition: border-color var(--dur-f), box-shadow var(--dur-f);
}
.header__search-wrap:focus-within {
  border-color: var(--teal-400);
  box-shadow: 0 0 0 3px rgba(50,163,155,0.12);
}
.header__search-wrap input {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-size: var(--t-sm);
  color: var(--ink-900);
  min-width: 0;
}
.header__search-wrap input::placeholder { color: var(--ink-300); }
.header__search-wrap button {
  width: 28px;
  height: 28px;
  border: none;
  border-radius: 50%;
  background: var(--teal-500);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.header__search-wrap button:hover { background: var(--teal-600); }

.header__menu-btn {
  background: transparent;
  border: none;
  width: 36px;
  height: 36px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  border-radius: var(--r-md);
  transition: background var(--dur-f);
  padding: 4px;
}
.header__menu-btn:hover { background: var(--teal-50); }
.header__menu-btn span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ink-700);
  border-radius: 2px;
  transition: transform var(--dur-b) var(--ease-out), opacity var(--dur-b);
}
.header__menu-btn.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.header__menu-btn.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.header__menu-btn.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.header__sub {
  display: none;
  padding-block: var(--sp-2);
}
.header__sub-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-4);
  position: relative;
}
.header__product-links { display: flex; gap: var(--sp-1); }

/* Apply for a Loan — sub-nav CTA */
.btn--subnav-cta {
  font-size: 0.75rem;
  padding: 0.55em 1.3em;
  position: absolute;
  right: 0;
  animation: ctaGlow 2.8s ease-in-out infinite;
}
@keyframes ctaGlow {
  0%, 100% { box-shadow: 0 4px 18px rgba(224,162,58,.35); }
  50%       { box-shadow: 0 4px 28px rgba(224,162,58,.65), 0 0 0 4px rgba(224,162,58,.12); }
}
.header__product-links a {
  font-size: var(--t-sm);
  font-weight: var(--fw-sb);
  color: var(--ink-900);
  padding: var(--sp-2) var(--sp-4);
  border-radius: var(--r-pill);
  transition: background var(--dur-f), color var(--dur-f);
  border: 1.5px solid transparent;
}
.header__product-links a:hover,
.header__product-links a.active {
  background: var(--teal-50);
  color: var(--teal-700);
  border-color: var(--teal-200);
}

/* Mobile nav */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 200;
}
.mobile-nav.open { display: block; }
.mobile-nav__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(6,47,45,0.6);
  backdrop-filter: blur(4px);
}
.mobile-nav__drawer {
  position: absolute;
  top: 0;
  left: 0;
  width: min(320px, 88vw);
  height: 100%;
  background: #fff;
  overflow-y: auto;
  padding: var(--sp-6);
  transform: translateX(-100%);
  transition: transform var(--dur-s) var(--ease-out);
  box-shadow: 4px 0 32px rgba(6,47,45,0.18);
}
.mobile-nav.open .mobile-nav__drawer { transform: translateX(0); }

.mobile-nav__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--sp-8);
}
.mobile-nav__head img { height: auto; max-width: 130px; }
.mobile-nav__close {
  background: var(--teal-50);
  border: none;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-700);
}
.mobile-nav__close:hover { background: var(--teal-100); }

.mobile-nav__section { margin-bottom: var(--sp-6); }
.mobile-nav__label {
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-300);
  margin-bottom: var(--sp-3);
  padding-left: var(--sp-1);
}
.mobile-nav__links { display: flex; flex-direction: column; }
.mobile-nav__links a {
  font-size: var(--t-base);
  font-weight: var(--fw-med);
  color: var(--ink-700);
  padding: var(--sp-3) var(--sp-1);
  border-bottom: 1px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: color var(--dur-f);
}
.mobile-nav__links a:last-child { border-bottom: none; }
.mobile-nav__links a.active { color: var(--teal-600); font-weight: var(--fw-sb); }
.mobile-nav__links a:hover { color: var(--teal-600); }

.mobile-nav__cta {
  margin-top: var(--sp-8);
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
}
.mobile-nav__cta .btn { justify-content: center; width: 100%; }

/* ─── HERO — Split layout ────────────────────────────────────────────── */
.hero {
  display: grid;
  grid-template-columns: 1fr;
  min-height: 100svh;
}

.hero__left {
  background: var(--teal-900);
  padding: clamp(var(--sp-12), 8vw, var(--sp-24)) 0;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
}

/* Decorative texture */
.hero__left::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse at 80% 20%, rgba(50,163,155,0.18) 0%, transparent 55%),
    radial-gradient(ellipse at 10% 90%, rgba(27,98,92,0.35) 0%, transparent 45%);
  pointer-events: none;
}

.hero__left-inner {
  position: relative;
  z-index: 1;
  padding-inline: clamp(var(--sp-6), 5vw, var(--sp-16));
  max-width: 680px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--r-pill);
  padding: var(--sp-1) var(--sp-4) var(--sp-1) var(--sp-2);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-200);
  margin-bottom: var(--sp-6);
}
.hero__badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal-300);
  animation: pulse 2.5s ease-in-out infinite;
  flex-shrink: 0;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.4; transform: scale(0.6); }
}

.hero__h1 {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-5xl);
  line-height: 0.96;
  color: #fff;
  letter-spacing: -0.01em;
  margin-bottom: var(--sp-6);
}
.hero__h1 em {
  font-style: italic;
  color: var(--teal-300);
  display: block;
}

.hero__sub {
  font-size: var(--t-md);
  line-height: 1.65;
  color: rgba(255,255,255,0.68);
  margin-bottom: var(--sp-10);
  max-width: 44ch;
}

.hero__promise-list {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  margin-bottom: var(--sp-10);
}
.hero__promise {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.75);
}
.hero__promise-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(50,163,155,0.2);
  border: 1px solid rgba(50,163,155,0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-300);
  flex-shrink: 0;
}
.hero__promise strong { color: rgba(255,255,255,0.92); font-weight: var(--fw-sb); }

.hero__ctas {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--sp-4);
}

/* Hero inline stats row */
.hero__stats-row {
  display: flex;
  align-items: center;
  gap: var(--sp-5);
  margin-top: var(--sp-8);
  padding-top: var(--sp-6);
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero__stat-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hero__stat-item strong {
  font-size: var(--t-sm);
  font-weight: var(--fw-bd);
  color: var(--white);
  line-height: 1.2;
}
.hero__stat-item span {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.02em;
}
.hero__stat-divider {
  width: 1px;
  height: 28px;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}

/* Right: Lead panel */
.hero__right {
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: clamp(var(--sp-10), 6vw, var(--sp-16));
}

.hero__form-card {
  width: 100%;
  max-width: 460px;
}

.hero__form-header {
  margin-bottom: var(--sp-6);
}
.hero__form-title {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-2xl);
  line-height: 1.1;
  color: var(--ink-900);
  margin-bottom: var(--sp-2);
}
.hero__form-sub {
  font-size: var(--t-sm);
  color: var(--ink-500);
  line-height: 1.5;
}

/* Loan type selector */
.loan-type-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-2);
  margin-bottom: var(--sp-5);
}

.loan-type-btn {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--sp-1);
  background: var(--page);
  border: 2px solid var(--line);
  border-radius: var(--r-lg);
  padding: var(--sp-3) var(--sp-4);
  text-align: left;
  cursor: pointer;
  transition: all var(--dur-f) var(--ease-out);
}
.loan-type-btn:hover {
  border-color: var(--teal-400);
  background: var(--teal-50);
}
.loan-type-btn.selected {
  border-color: var(--teal-500);
  background: var(--teal-50);
  box-shadow: 0 0 0 3px rgba(50,163,155,0.15);
}
.loan-type-btn__icon {
  width: 32px;
  height: 32px;
  border-radius: var(--r-md);
  background: var(--teal-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-700);
  transition: background var(--dur-f);
}
.loan-type-btn.selected .loan-type-btn__icon {
  background: var(--teal-500);
  color: #fff;
}
.loan-type-btn__label {
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--ink-700);
  line-height: 1.3;
}
.loan-type-btn__sub {
  font-size: 10px;
  color: var(--ink-300);
}

/* Form fields */
.hero__fields {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  margin-bottom: var(--sp-4);
}

.hero__field label {
  display: block;
  font-size: var(--t-xs);
  font-weight: var(--fw-med);
  color: var(--ink-700);
  margin-bottom: var(--sp-1);
}
.hero__field input {
  width: 100%;
  border: 1.5px solid var(--line);
  border-radius: var(--r-lg);
  padding: var(--sp-3) var(--sp-4);
  font-size: var(--t-base);
  color: var(--ink-900);
  background: var(--white);
  outline: none;
  transition: border-color var(--dur-f), box-shadow var(--dur-f);
}
.hero__field input:focus {
  border-color: var(--teal-500);
  box-shadow: 0 0 0 3px rgba(50,163,155,0.12);
}
.hero__field input::placeholder { color: var(--ink-300); }

.hero__submit {
  width: 100%;
  background: var(--teal-800);
  color: #fff;
  border: none;
  border-radius: var(--r-lg);
  padding: var(--sp-4);
  font-family: var(--font-b);
  font-size: var(--t-base);
  font-weight: var(--fw-bd);
  letter-spacing: 0.03em;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  transition: background var(--dur-f), transform var(--dur-f), box-shadow var(--dur-f);
  box-shadow: 0 4px 20px rgba(13,58,54,0.25);
  margin-bottom: var(--sp-4);
}
.hero__submit:hover {
  background: var(--teal-700);
  transform: translateY(-1px);
  box-shadow: 0 8px 28px rgba(13,58,54,0.30);
}

.hero__micro-trust {
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
}
.hero__micro-item {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--t-xs);
  color: var(--ink-500);
}
.hero__micro-item svg { color: var(--teal-500); flex-shrink: 0; }

/* Consent checkbox */
.hero__consent {
  margin-bottom: var(--sp-4);
}
.hero__consent-label {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-2);
  cursor: pointer;
}
.hero__consent-label input[type="checkbox"] {
  flex-shrink: 0;
  margin-top: 3px;
  width: 15px;
  height: 15px;
  accent-color: var(--teal-600);
  cursor: pointer;
}
.hero__consent-label span {
  font-size: var(--t-xs);
  color: var(--ink-500);
  line-height: 1.5;
}
.hero__consent-label a {
  color: var(--teal-600);
  text-decoration: underline;
}

/* ─── TRUST BAR ──────────────────────────────────────────────────────── */
.trust-bar {
  background: var(--teal-800);
  border-top: 1px solid rgba(255,255,255,0.06);
}
.trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 0;
  padding-block: var(--sp-4);
}
.trust-bar__item {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  padding: var(--sp-3) var(--sp-5);
  border-right: 1px solid rgba(255,255,255,0.08);
  flex: 1;
  min-width: 0;
}
.trust-bar__item:last-child { border-right: none; }
.trust-bar__val {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-xl);
  color: #fff;
  line-height: 1;
  white-space: nowrap;
  margin-bottom: var(--sp-1);
}
.trust-bar__label {
  font-size: var(--t-xs);
  color: rgba(255,255,255,0.55);
  line-height: 1.4;
}
.trust-bar__icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-md);
  background: rgba(255,255,255,0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-300);
  flex-shrink: 0;
}

/* ─── PRODUCTS ───────────────────────────────────────────────────────── */
.products__tabs {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  flex-wrap: wrap;
  margin-bottom: var(--sp-10);
}
.products__tab {
  font-family: var(--font-b);
  font-size: var(--t-sm);
  font-weight: var(--fw-sb);
  color: var(--ink-500);
  background: transparent;
  border: 1.5px solid var(--line);
  border-radius: var(--r-pill);
  padding: var(--sp-2) var(--sp-5);
  cursor: pointer;
  transition: all var(--dur-f) var(--ease-out);
}
.products__tab:hover {
  color: var(--teal-700);
  border-color: var(--teal-300);
  background: var(--teal-50);
}
.products__tab.active {
  color: #fff;
  background: var(--teal-700);
  border-color: var(--teal-700);
}

.products__panel { display: none; }
.products__panel.active { display: grid; }

/* Vehicle finance panel — featured + 3 cards */
.products__featured {
  display: grid;
  gap: var(--sp-5);
}

.product-featured {
  background: linear-gradient(135deg, var(--teal-900) 0%, var(--teal-700) 100%);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-8), 4vw, var(--sp-12));
  color: #fff;
  position: relative;
  overflow: hidden;
  display: grid;
  gap: var(--sp-6);
}
.product-featured::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(50,163,155,0.12);
  pointer-events: none;
}
.product-featured__tag {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--r-pill);
  padding: var(--sp-1) var(--sp-3);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-200);
}
.product-featured h3 {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-3xl);
  line-height: 1.05;
  color: #fff;
}
.product-featured__desc {
  font-size: var(--t-base);
  line-height: 1.65;
  color: rgba(255,255,255,0.72);
  max-width: 48ch;
}
.product-featured__rates {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-5);
}
.product-featured__rate-item { display: flex; flex-direction: column; gap: 2px; }
.product-featured__rate-val {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-xl);
  color: var(--teal-200);
  line-height: 1;
}
.product-featured__rate-key {
  font-size: var(--t-xs);
  color: rgba(255,255,255,0.55);
}
.product-featured__sub-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: var(--sp-3);
}
.product-featured__sub {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-lg);
  padding: var(--sp-3) var(--sp-4);
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.80);
  font-weight: var(--fw-med);
  transition: background var(--dur-f);
  cursor: pointer;
}
.product-featured__sub:hover {
  background: rgba(255,255,255,0.12);
  color: #fff;
}

/* Product cards row */
.product-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 240px), 1fr));
  gap: var(--sp-4);
}

.product-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-xl);
  padding: var(--sp-5);
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  transition: all var(--dur-b) var(--ease-out);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.product-card:hover {
  border-color: var(--teal-400);
  box-shadow: var(--sh-md);
  transform: translateY(-3px);
}
.product-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--teal-500);
  transform: scaleX(0);
  transition: transform var(--dur-b) var(--ease-out);
  transform-origin: left;
}
.product-card:hover::after { transform: scaleX(1); }

.product-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--r-lg);
  background: var(--teal-50);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-600);
  flex-shrink: 0;
}
.product-card h3 {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-lg);
  color: var(--ink-900);
  line-height: 1.2;
}
.product-card p {
  font-size: var(--t-sm);
  color: var(--ink-500);
  line-height: 1.55;
  flex: 1;
}
.product-card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--t-sm);
  font-weight: var(--fw-sb);
  color: var(--teal-600);
  transition: gap var(--dur-f);
  margin-top: auto;
}
.product-card:hover .product-card__link { gap: var(--sp-3); }

/* LAP panel */
.lap-panel {
  display: grid;
  gap: var(--sp-6);
}
.lap-hero {
  background: linear-gradient(135deg, #2d1f5e 0%, #1a1038 100%);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-8), 4vw, var(--sp-12));
  color: #fff;
  position: relative;
  overflow: hidden;
}
.lap-hero::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: rgba(100,80,180,0.15);
  pointer-events: none;
}
.lap-hero__tag {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--r-pill);
  padding: var(--sp-1) var(--sp-3);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(200,180,255,0.9);
  margin-bottom: var(--sp-5);
}
.lap-hero h3 {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-3xl);
  line-height: 1.05;
  color: #fff;
  margin-bottom: var(--sp-4);
}
.lap-hero p {
  font-size: var(--t-md);
  color: rgba(255,255,255,0.68);
  max-width: 50ch;
  line-height: 1.65;
  margin-bottom: var(--sp-6);
}
.lap-features {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
}
.lap-feature {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-pill);
  padding: var(--sp-2) var(--sp-4);
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.85);
}
.lap-feature svg { color: rgba(200,180,255,0.8); }

/* ─── WHY INDOSTAR ───────────────────────────────────────────────────── */
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-5);
}

.why-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-6), 4vw, var(--sp-10));
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  transition: border-color var(--dur-b), box-shadow var(--dur-b), transform var(--dur-b);
}
.why-card:hover {
  border-color: var(--teal-300);
  box-shadow: var(--sh-lg);
  transform: translateY(-4px);
}
.why-card__num {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: clamp(4rem, 8vw, 6rem);
  line-height: 1;
  color: var(--teal-100);
  position: absolute;
  top: var(--sp-4);
  right: var(--sp-6);
  pointer-events: none;
  user-select: none;
}
.why-card__icon {
  width: 52px;
  height: 52px;
  border-radius: var(--r-xl);
  background: var(--teal-800);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-200);
}
.why-card h3 {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-2xl);
  line-height: 1.1;
  color: var(--ink-900);
}
.why-card__highlight {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-3xl);
  color: var(--teal-600);
  line-height: 1;
}
.why-card p {
  font-size: var(--t-sm);
  line-height: 1.65;
  color: var(--ink-500);
}
.why-card__proof {
  margin-top: auto;
  padding-top: var(--sp-4);
  border-top: 1.5px solid var(--line);
  font-size: var(--t-xs);
  color: var(--ink-500);
  display: flex;
  align-items: center;
  gap: var(--sp-2);
}
.why-card__proof::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal-500);
  flex-shrink: 0;
}

/* ─── HOW TO APPLY — 3 steps ─────────────────────────────────────────── */
.steps-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-6);
  position: relative;
}

.step-card {
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  padding: clamp(var(--sp-5), 3vw, var(--sp-8));
  border-radius: var(--r-lg);
  transition: background var(--dur-b);
}
.step-card:hover { background: rgba(50,163,155,0.06); }

.step-card__num {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: clamp(3rem, 6vw, 4.5rem);
  color: var(--teal-100);
  line-height: 1;
  letter-spacing: -0.03em;
}
.step-card h4 {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-xl);
  color: var(--ink-900);
  line-height: 1.2;
}
.step-card p {
  font-size: var(--t-sm);
  color: var(--ink-500);
  line-height: 1.6;
}
.step-card__time {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--teal-600);
  background: var(--teal-50);
  border-radius: var(--r-pill);
  padding: 3px var(--sp-3);
  border: 1px solid var(--teal-100);
}

/* ─── EMI CALCULATOR ─────────────────────────────────────────────────── */
.emi__wrap {
  display: grid;
  gap: var(--sp-6);
  align-items: start;
}

.emi__form-panel {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-6), 4vw, var(--sp-10));
}

.emi__panel-title {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-2xl);
  color: var(--ink-900);
  margin-bottom: var(--sp-6);
}

.emi__fields { display: flex; flex-direction: column; gap: var(--sp-5); }

.emi__field { display: flex; flex-direction: column; gap: var(--sp-2); }
.emi__label {
  font-size: var(--t-sm);
  font-weight: var(--fw-med);
  color: var(--ink-700);
}

.emi__input-row {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--line);
  border-radius: var(--r-lg);
  background: var(--page);
  overflow: hidden;
  transition: border-color var(--dur-f);
}
.emi__input-row:focus-within { border-color: var(--teal-500); }

.emi__input-row input[type="number"] {
  flex: 1;
  min-width: 0;
  border: none;
  outline: none;
  background: transparent;
  padding: var(--sp-3) var(--sp-4);
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-xl);
  color: var(--ink-900);
}
.emi__input-row input[type="number"]::-webkit-inner-spin-button,
.emi__input-row input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; }

.emi__adornment {
  padding: 0 var(--sp-4);
  display: flex;
  align-items: center;
  border-left: 1.5px solid var(--line);
  background: var(--white);
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-lg);
  color: var(--teal-700);
  flex-shrink: 0;
}

.emi__range {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: var(--line);
  border-radius: var(--r-pill);
  outline: none;
  margin-top: var(--sp-3);
}
.emi__range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--teal-500);
  cursor: pointer;
  box-shadow: 0 0 0 5px rgba(50,163,155,.18);
  transition: box-shadow var(--dur-f);
}
.emi__range::-webkit-slider-thumb:hover { box-shadow: 0 0 0 8px rgba(50,163,155,.22); }

.emi__range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: var(--t-xs);
  color: var(--ink-300);
  margin-top: var(--sp-2);
}

.emi__tenure-seg { display: flex; gap: var(--sp-2); flex-wrap: wrap; }
.emi__tenure-seg button {
  padding: var(--sp-2) var(--sp-4);
  border: 1.5px solid var(--line);
  background: var(--white);
  border-radius: var(--r-md);
  font-weight: var(--fw-sb);
  font-size: var(--t-sm);
  color: var(--ink-500);
  transition: all var(--dur-f);
}
.emi__tenure-seg button.active {
  background: var(--teal-500);
  border-color: var(--teal-500);
  color: #fff;
}
.emi__tenure-seg button:hover:not(.active) {
  border-color: var(--teal-300);
  color: var(--teal-700);
}

/* Result panel */
.emi__result-panel {
  background: var(--teal-900);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-6), 4vw, var(--sp-10));
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: var(--sp-5);
  position: relative;
  overflow: hidden;
}
.emi__result-panel::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: rgba(50,163,155,0.10);
  pointer-events: none;
}

.emi__result-label {
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal-300);
}

.emi__amount {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: clamp(2.8rem, 6vw, 4.5rem);
  line-height: 1;
}
.emi__amount.bump { animation: bump 0.28s var(--ease-out); }
@keyframes bump {
  0% { transform: scale(1); }
  40% { transform: scale(1.04); }
  100% { transform: scale(1); }
}
.emi__per-month {
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.55);
  margin-top: var(--sp-1);
}

.emi__divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.10);
}

.emi__breakdown { display: flex; flex-direction: column; gap: var(--sp-3); }
.emi__breakdown-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.emi__breakdown-key {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.65);
}
.emi__breakdown-key::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 2px;
  flex-shrink: 0;
}
.emi__breakdown-row:nth-child(1) .emi__breakdown-key::before { background: var(--teal-300); }
.emi__breakdown-row:nth-child(2) .emi__breakdown-key::before { background: rgba(255,255,255,0.3); }

.emi__breakdown-val {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-lg);
}

.emi__donut-row {
  display: flex;
  align-items: center;
  gap: var(--sp-5);
}
.emi__donut {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  flex-shrink: 0;
  position: relative;
}
.emi__donut::after {
  content: '';
  position: absolute;
  inset: 16px;
  background: var(--teal-900);
  border-radius: 50%;
}

.emi__apply-btn {
  width: 100%;
  background: var(--amber);
  color: var(--teal-900);
  border: none;
  border-radius: var(--r-lg);
  padding: var(--sp-4);
  font-family: var(--font-b);
  font-size: var(--t-base);
  font-weight: var(--fw-bd);
  letter-spacing: 0.02em;
  cursor: pointer;
  transition: all var(--dur-f) var(--ease-out);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  box-shadow: 0 4px 16px rgba(224,162,58,0.30);
}
.emi__apply-btn:hover {
  background: var(--amber-dk);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(224,162,58,0.40);
}

/* ─── TESTIMONIALS — editorial grid ──────────────────────────────────── */
.testimonials__lead {
  background: var(--teal-900);
  border-radius: var(--r-2xl);
  padding: clamp(var(--sp-8), 5vw, var(--sp-12));
  color: #fff;
  margin-bottom: var(--sp-5);
  position: relative;
  overflow: hidden;
}
.testimonials__lead::before {
  content: '\201C';
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: clamp(8rem, 15vw, 14rem);
  line-height: 0.8;
  color: rgba(50,163,155,0.15);
  position: absolute;
  top: 0;
  left: var(--sp-6);
  pointer-events: none;
  user-select: none;
}

.testimonials__lead-amount {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-4xl);
  color: var(--amber);
  line-height: 1;
  margin-bottom: var(--sp-3);
}
.testimonials__lead-quote {
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  font-weight: var(--fw-med);
  font-style: italic;
  color: rgba(255,255,255,0.88);
  line-height: 1.5;
  max-width: 60ch;
  margin-bottom: var(--sp-6);
}
.testimonials__lead-person {
  display: flex;
  align-items: center;
  gap: var(--sp-4);
}
.testimonials__lead-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal-500), var(--teal-700));
  border: 2px solid var(--teal-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-lg);
  color: #fff;
  flex-shrink: 0;
}
.testimonials__lead-name { font-weight: var(--fw-sb); color: #fff; font-size: var(--t-base); }
.testimonials__lead-detail { font-size: var(--t-sm); color: rgba(255,255,255,0.55); }
.testimonials__lead-tag {
  margin-left: auto;
  background: rgba(50,163,155,0.15);
  border: 1px solid rgba(50,163,155,0.25);
  border-radius: var(--r-pill);
  padding: var(--sp-1) var(--sp-4);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--teal-200);
}

.testimonials__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-4);
}

.testimonial-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-xl);
  padding: var(--sp-6);
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  transition: border-color var(--dur-b), box-shadow var(--dur-b), transform var(--dur-b);
}
.testimonial-card:hover {
  border-color: var(--teal-200);
  box-shadow: var(--sh-md);
  transform: translateY(-2px);
}

.testimonial-card__quote {
  font-size: var(--t-base);
  font-style: italic;
  color: var(--ink-700);
  line-height: 1.65;
  flex: 1;
}
.testimonial-card__quote::before {
  content: '\201C';
  font-family: var(--font-d);
  font-size: 2em;
  color: var(--teal-300);
  line-height: 0.5;
  display: block;
  margin-bottom: var(--sp-3);
}

.testimonial-card__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-3);
  flex-wrap: wrap;
}
.testimonial-card__person { display: flex; flex-direction: column; gap: 2px; }
.testimonial-card__name { font-weight: var(--fw-sb); color: var(--ink-900); font-size: var(--t-sm); }
.testimonial-card__loc  { font-size: var(--t-xs); color: var(--ink-300); }
.testimonial-card__loan {
  background: var(--teal-50);
  border: 1px solid var(--teal-100);
  border-radius: var(--r-pill);
  padding: 3px var(--sp-3);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--teal-700);
  white-space: nowrap;
}

/* ─── INDO MITRA ─────────────────────────────────────────────────────── */
.mitra__inner {
  display: flex;
  flex-direction: column;
  gap: var(--sp-10);
  align-items: center;
}

.mitra__features {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-3);
  width: 100%;
}

.mitra__feature {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-4);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-xl);
  padding: var(--sp-5);
  transition: background var(--dur-b), border-color var(--dur-b);
}
.mitra__feature:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.20);
}
.mitra__feature-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--r-md);
  background: rgba(255,255,255,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-200);
  flex-shrink: 0;
}
.mitra__feature h4 {
  font-family: var(--font-d);
  font-weight: var(--fw-sb);
  font-size: var(--t-md);
  color: #fff;
  margin-bottom: var(--sp-1);
  line-height: 1.2;
}
.mitra__feature p {
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.60);
  line-height: 1.5;
}

/* Phone mockup */
.mitra__phone {
  width: 210px;
  aspect-ratio: 9/19;
  background: #0a1a19;
  border-radius: 38px;
  border: 8px solid #0a1a19;
  box-shadow: 0 32px 80px rgba(0,0,0,0.45), 0 0 0 1px rgba(255,255,255,0.06);
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}
.mitra__phone-notch {
  position: absolute;
  top: 6px;
  left: 50%;
  transform: translateX(-50%);
  width: 58px;
  height: 5px;
  background: #000;
  border-radius: 999px;
  z-index: 2;
}
.mitra__phone-screen {
  position: absolute;
  inset: 18px 5px 10px 5px;
  background: var(--page);
  border-radius: 30px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.mitra__phone-header {
  background: linear-gradient(135deg, var(--teal-600), var(--teal-800));
  padding: var(--sp-4) var(--sp-3) var(--sp-5);
}
.mitra__phone-app-row {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  margin-bottom: var(--sp-3);
}
.mitra__phone-appname {
  font-size: 7px;
  font-weight: var(--fw-bd);
  color: rgba(255,255,255,0.8);
  letter-spacing: 0.06em;
}
.mitra__phone-logo {
  width: 18px;
  height: 18px;
  background: rgba(255,255,255,0.9);
  border-radius: 3px;
}
.mitra__phone-greeting { font-size: 8px; color: rgba(255,255,255,0.65); }
.mitra__phone-emi {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: 24px;
  color: #fff;
  line-height: 1;
  margin-top: 2px;
}
.mitra__phone-body {
  flex: 1;
  padding: var(--sp-3);
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
}
.mitra__phone-tile {
  background: #fff;
  border-radius: var(--r-md);
  padding: var(--sp-2) var(--sp-3);
  box-shadow: var(--sh-xs);
}
.mitra__phone-tile-lbl { font-size: 7px; color: var(--ink-300); text-transform: uppercase; letter-spacing: .05em; }
.mitra__phone-tile-val { font-family: var(--font-d); font-weight: var(--fw-bd); font-size: 13px; color: var(--ink-900); }
.mitra__phone-pills { display: flex; gap: 4px; margin-top: auto; }
.mitra__phone-pill {
  flex: 1;
  padding: 6px 4px;
  background: var(--teal-500);
  border-radius: var(--r-md);
  text-align: center;
  font-size: 7px;
  font-weight: var(--fw-bd);
  color: #fff;
  letter-spacing: .02em;
}

.mitra__store-row {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  justify-content: center;
  margin-top: var(--sp-4);
}
.mitra__store-btn {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--r-lg);
  padding: var(--sp-3) var(--sp-5);
  color: #fff;
  transition: all var(--dur-f);
}
.mitra__store-btn:hover { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.28); }
.mitra__store-btn-sub { font-size: 9px; opacity: 0.65; }
.mitra__store-btn-name { font-weight: var(--fw-bd); font-size: var(--t-sm); }

/* ─── IN THE NEWS ────────────────────────────────────────────────────── */
.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr));
  gap: var(--sp-5);
}

.news-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-xl);
  overflow: hidden;
  transition: all var(--dur-b) var(--ease-out);
  display: flex;
  flex-direction: column;
}
.news-card:hover {
  border-color: var(--teal-300);
  box-shadow: var(--sh-md);
  transform: translateY(-3px);
}

.news-card__img {
  height: 140px;
  position: relative;
  overflow: hidden;
}
.news-card__source {
  position: absolute;
  top: var(--sp-3);
  left: var(--sp-3);
  background: rgba(0,0,0,0.55);
  border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(4px);
  border-radius: var(--r-pill);
  padding: 3px var(--sp-3);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: #fff;
  letter-spacing: 0.04em;
}

.news-card__body { padding: var(--sp-5); flex: 1; display: flex; flex-direction: column; gap: var(--sp-3); }
.news-card__date { font-size: var(--t-xs); color: var(--ink-300); }
.news-card h4 {
  font-family: var(--font-d);
  font-weight: var(--fw-bd);
  font-size: var(--t-lg);
  color: var(--ink-900);
  line-height: 1.3;
  flex: 1;
}
.news-card__read {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--t-xs);
  font-weight: var(--fw-sb);
  color: var(--teal-600);
  transition: gap var(--dur-f);
}
.news-card:hover .news-card__read { gap: var(--sp-3); }

/* ─── UTILITY RAIL ───────────────────────────────────────────────────── */
.util-rail {
  position: fixed;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  z-index: 80;
  display: flex;
  flex-direction: column;
  gap: 3px;
  transition: opacity var(--dur-b);
}
.util-rail__pill {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  background: var(--amber);
  color: var(--teal-900);
  padding: var(--sp-2) var(--sp-3) var(--sp-2) var(--sp-2);
  border-radius: var(--r-lg) 0 0 var(--r-lg);
  width: 44px;
  overflow: hidden;
  white-space: nowrap;
  transition: width var(--dur-b) var(--ease-out), background var(--dur-f);
  cursor: pointer;
  text-decoration: none;
}
.util-rail__pill:hover { width: 170px; background: var(--amber-dk); color: var(--teal-900); }
.util-rail__pill svg { flex-shrink: 0; min-width: 18px; }
.util-rail__pill span { font-size: var(--t-xs); font-weight: var(--fw-sb); white-space: nowrap; opacity: 0; transition: opacity var(--dur-f); }
.util-rail__pill:hover span { opacity: 1; }

/* ─── MOBILE STICKY ACTION BAR (CRO) ─────────────────────────────────── */
.mobile-cta-bar { display: none; }

@media (max-width: 767px) {
  .mobile-cta-bar {
    display: grid;
    grid-template-columns: 1fr 1.4fr;   /* Apply gets more weight */
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 90;                          /* below header (100) & drawer (200) */
    background: #fff;
    border-top: 1px solid var(--line);
    box-shadow: 0 -4px 18px rgba(10,37,34,0.12);
    padding-bottom: env(safe-area-inset-bottom, 0px);
  }
  .mobile-cta-bar__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--sp-2);
    min-height: 56px;                     /* comfortable thumb target */
    font-family: var(--font-b);
    font-weight: var(--fw-bd);
    font-size: var(--t-sm);
    letter-spacing: 0.02em;
    text-decoration: none;
  }
  .mobile-cta-bar__btn svg { flex-shrink: 0; }
  .mobile-cta-bar__btn:active { filter: brightness(0.94); }
  .mobile-cta-bar__btn--call {
    background: var(--teal-50);
    color: var(--teal-800);
    border-right: 1px solid var(--line);
  }
  .mobile-cta-bar__btn--apply {
    background: var(--amber);
    color: var(--teal-900);
  }
  /* Keep the fixed bar from covering page-bottom content */
  body { padding-bottom: calc(56px + env(safe-area-inset-bottom, 0px)); }
  /* Hide the bar while the mobile nav drawer is open */
  .mobile-nav.open ~ .mobile-cta-bar { display: none; }
}

/* ─── FOOTER ─────────────────────────────────────────────────────────── */
.site-footer { background: var(--teal-900); color: #fff; }

.footer__cta-band {
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding-block: var(--sp-10);
}
.footer__cta-inner {
  display: flex;
  flex-direction: column;
  gap: var(--sp-5);
}
.footer__cta-text h3 {
  font-family: var(--font-d);
  font-weight: var(--fw-blk);
  font-size: var(--t-3xl);
  color: #fff;
  margin-bottom: var(--sp-2);
  line-height: 1.05;
}
.footer__cta-text p { font-size: var(--t-sm); color: rgba(255,255,255,0.55); }

.footer__main { padding-block: var(--sp-12); }
.footer__grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-8); }

.footer__logo-img {
  max-width: 150px;
  height: auto;
  display: block;
  margin-bottom: var(--sp-4);
  filter: brightness(0) invert(1);
  opacity: 0.9;
}
.footer__brand p { font-size: var(--t-sm); color: rgba(255,255,255,0.55); line-height: 1.65; max-width: 30ch; }
.footer__brand-reg { font-size: var(--t-xs); color: rgba(255,255,255,0.3); margin-top: var(--sp-3); line-height: 1.6; }

.footer__ratings { display: flex; gap: var(--sp-3); margin-top: var(--sp-5); }
.footer__rating-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  width: 68px;
  height: 68px;
  border-radius: 50%;
  border: 2px solid var(--teal-600);
  text-align: center;
  padding: var(--sp-2);
}
.footer__rating-badge .val { font-family: var(--font-d); font-weight: var(--fw-bd); font-size: var(--t-lg); line-height: 1; }
.footer__rating-badge .lbl { font-size: 8px; opacity: 0.55; margin-top: 2px; letter-spacing: 0.04em; }

.footer__col h4 {
  font-family: var(--font-d);
  font-weight: var(--fw-sb);
  font-size: var(--t-lg);
  color: rgba(255,255,255,0.8);
  margin-bottom: var(--sp-4);
}
.footer__col ul { display: flex; flex-direction: column; gap: var(--sp-2); }
.footer__col ul a {
  font-size: var(--t-sm);
  color: rgba(255,255,255,0.50);
  transition: color var(--dur-f);
  display: flex;
  align-items: center;
  gap: var(--sp-2);
}
.footer__col ul a::before { content: ''; width: 4px; height: 4px; border-radius: 50%; background: var(--teal-600); flex-shrink: 0; }
.footer__col ul a:hover { color: var(--teal-300); }

.footer__contact-item { display: flex; align-items: flex-start; gap: var(--sp-3); margin-bottom: var(--sp-4); }
.footer__contact-icon {
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--teal-300);
  flex-shrink: 0;
}
.footer__contact-text { font-size: var(--t-sm); color: rgba(255,255,255,0.55); line-height: 1.5; }
.footer__contact-text strong { color: rgba(255,255,255,0.85); display: block; font-weight: var(--fw-med); }

.footer__disclaimer { padding-block: var(--sp-5); }
.footer__disclaimer p { font-size: var(--t-xs); color: rgba(255,255,255,0.3); line-height: 1.7; }

.footer__bottom { background: rgba(0,0,0,0.25); padding-block: var(--sp-4); }
.footer__bottom-inner { display: flex; flex-direction: column; gap: var(--sp-3); align-items: center; text-align: center; }
.footer__links { display: flex; gap: var(--sp-4); flex-wrap: wrap; justify-content: center; }
.footer__links a { font-size: var(--t-xs); color: rgba(255,255,255,0.4); transition: color var(--dur-f); }
.footer__links a:hover { color: var(--teal-300); }
.footer__copyright { font-size: var(--t-xs); color: rgba(255,255,255,0.3); }
.footer__social { display: flex; gap: var(--sp-2); }
.footer__social a {
  width: 30px; height: 30px; border-radius: 50%;
  background: rgba(255,255,255,0.07);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: background var(--dur-f), color var(--dur-f);
}
.footer__social a:hover { background: var(--teal-600); color: #fff; }

/* ─── MOBILE (<768px) ────────────────────────────────────────────────── */
@media (max-width: 767px) {
  .util-rail { display: none; }
  .hero { grid-template-columns: 1fr; }
  .hero__right { order: -1; }            /* form-first on mobile (CRO) */
  .hero__left { min-height: auto; padding-block: var(--sp-10); }
  .hero__sub { max-width: none; }
  .emi__tenure-seg button { min-height: 44px; }
  .why-grid { grid-template-columns: 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  .emi__wrap { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }
  .mitra__features { grid-template-columns: 1fr; }
  .mitra__phone { display: none; }
  .trust-bar__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
  .trust-bar__item { border-right: 1px solid rgba(255,255,255,0.08); border-bottom: 1px solid rgba(255,255,255,0.08); flex: none; }
  .trust-bar__item:nth-child(even) { border-right: none; }
  .trust-bar__item:nth-last-child(-n+1):nth-child(odd) { grid-column: 1 / -1; justify-content: center; border-right: none; }
  .trust-bar__item:last-child { border-bottom: none; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__cta-inner { flex-direction: column; }
  .footer__bottom-inner { text-align: left; align-items: flex-start; }
}

/* ─── TABLET / DESKTOP (768px+) ──────────────────────────────────────── */
@media (min-width: 768px) {
  .header__nav    { display: flex; }
  .header__sub    { display: block; }
  .header__search-wrap { display: flex; }
  .header__menu-btn { display: none; }

  .hero { grid-template-columns: 1.1fr 1fr; min-height: 100svh; }

  .why-grid { grid-template-columns: repeat(3, 1fr); }
  .steps-row { grid-template-columns: repeat(3, 1fr); }
  .emi__wrap { grid-template-columns: 1.15fr 1fr; align-items: start; }
  .testimonials__grid { grid-template-columns: repeat(3, 1fr); }
  .mitra__features { grid-template-columns: repeat(2, 1fr); }
  .mitra__inner { flex-direction: row; align-items: center; }
  .footer__grid { grid-template-columns: 1.3fr 1fr 1fr 1.2fr; }
  .footer__cta-inner { flex-direction: row; align-items: center; justify-content: space-between; }
  .footer__bottom-inner { flex-direction: row; justify-content: space-between; text-align: left; }

  .products__featured { grid-template-columns: 1.6fr 1fr; }
}

@media (min-width: 1024px) {
  .mitra__features { grid-template-columns: repeat(3, 1fr); }
  .trust-bar__item { flex-direction: row; }
}

/* ─── MICRO-ANIMATIONS ───────────────────────────────────────────────── */

/* Scroll progress bar */
.scroll-progress {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--amber), var(--teal-400));
  transform-origin: left center;
  transform: scaleX(0);
  z-index: 9999;
  pointer-events: none;
}

/* Phone float */
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-14px); }
}
.mitra__phone { animation: float 6s ease-in-out infinite; }

/* Location ping on branch card icon (why-card 2) */
@keyframes iconPing {
  0%   { outline: 0px solid rgba(27,146,138,0.5); outline-offset: 0px; }
  60%  { outline: 3px solid rgba(27,146,138,0);   outline-offset: 10px; }
  100% { outline: 0px solid rgba(27,146,138,0);   outline-offset: 10px; }
}
.why-card:nth-child(2) .why-card__icon {
  animation: iconPing 2.6s ease-out infinite;
}

/* Clock icon rotates slightly on hover (why-card 1 — 72-hour turnaround) */
.why-card:nth-child(1) .why-card__icon svg {
  transition: transform 0.6s var(--ease-out);
}
.why-card:nth-child(1):hover .why-card__icon svg {
  transform: rotate(40deg);
}

/* News card photo zoom */
.news-card__img {
  transition: transform 0.5s var(--ease-out);
}
.news-card:hover .news-card__img {
  transform: scale(1.07);
}

/* Loan type card tactile press */
.loan-type-btn { touch-action: manipulation; }
.loan-type-btn:active { transform: scale(0.97); }
@keyframes selectPop {
  0%   { transform: scale(1); }
  35%  { transform: scale(1.04); }
  100% { transform: scale(1); }
}
.loan-type-btn.selected { animation: selectPop 0.28s var(--ease-out); }

/* Why-card decorative number — smooth transition during count-up */
.why-card__num { transition: color 0.3s; }

/* ─── REDUCED MOTION ─────────────────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  [data-reveal] { opacity: 1; transform: none; }
  .mitra__phone { animation: none; }
  .why-card:nth-child(2) .why-card__icon { animation: none; }
  .why-card:nth-child(1) .why-card__icon svg { transition: none; }
  .loan-type-btn.selected { animation: none; }
}