/* ============================================================
   GFG — Business Funding
   Palette: GFG blue #1E5BC6, navy, cool neutrals
   ============================================================ */

:root {
  --blue: #1E5BC6;
  --blue-dark: #174A9E;
  --blue-soft: #E7EEFB;
  --blue-tint: #F3F6FC;
  --navy: #0B1B3A;
  --navy-2: #122650;
  --navy-3: #1B3263;
  --text: #0F1B33;
  --text-2: #4B566B;
  --text-3: #7A849A;
  --line: #E1E6EF;
  --line-2: #CBD3E1;
  --bg: #FFFFFF;
  --bg-2: #F6F8FB;
  --good: #1B9E5A;
  --danger: #D5453B;

  --font-display: "Plus Jakarta Sans", "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --r: 8px;
  --r-lg: 16px;
  --wrap: 1180px;
  --gutter: clamp(20px, 4vw, 40px);
  --shadow: 0 1px 2px rgba(15,27,51,.04), 0 12px 32px -12px rgba(15,27,51,.14);
  --shadow-lg: 0 2px 4px rgba(15,27,51,.05), 0 30px 60px -24px rgba(15,27,51,.25);
  --ease: cubic-bezier(.22,1,.36,1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font-body); font-size: 16px; line-height: 1.6; color: var(--text); background: var(--bg); -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }
fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
::selection { background: var(--blue); color: #fff; }
:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }

.wrap { width: min(var(--wrap), 100% - 2 * var(--gutter)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Type ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; letter-spacing: -0.02em; line-height: 1.12; margin: 0; text-wrap: balance; }
h1 { font-size: clamp(2.3rem, 4.6vw, 3.7rem); letter-spacing: -0.028em; line-height: 1.06; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); letter-spacing: -0.024em; }
h3 { font-size: 1.2rem; }
p { margin: 0; }
.lede { font-size: clamp(1.02rem, 1.3vw, 1.18rem); color: var(--text-2); max-width: 58ch; }
.eyebrow { display: inline-block; font-size: .8rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--blue); margin-bottom: 14px; }
.on-dark { color: #fff; }
.on-dark .lede { color: rgba(255,255,255,.72); }
.on-dark .eyebrow { color: #8FB4F5; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: var(--r); border: 1px solid transparent; font-weight: 600; font-size: .95rem; line-height: 1.2; white-space: nowrap; transition: background .2s, border-color .2s, color .2s, box-shadow .2s, transform .2s var(--ease); }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-dark); box-shadow: 0 8px 20px -8px rgba(30,91,198,.6); }
.btn-secondary { background: #fff; color: var(--text); border-color: var(--line-2); }
.btn-secondary:hover { border-color: var(--text-3); background: var(--bg-2); }
.btn-white { background: #fff; color: var(--blue); }
.btn-white:hover { background: var(--blue-tint); }
.on-dark .btn-secondary { background: transparent; color: #fff; border-color: rgba(255,255,255,.3); }
.on-dark .btn-secondary:hover { border-color: #fff; background: rgba(255,255,255,.06); }
.btn-lg { padding: 16px 28px; font-size: 1.02rem; }
.btn svg { width: 18px; height: 18px; }
.btn .arrow { transition: transform .2s var(--ease); }
.btn:hover .arrow { transform: translateX(3px); }
.link { color: var(--blue); font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.link svg { width: 16px; height: 16px; transition: transform .2s var(--ease); }
.link:hover svg { transform: translateX(3px); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.9); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 74px; gap: 24px; }
.brand { display: inline-flex; align-items: center; color: var(--blue); }
.brand svg { height: 32px; width: auto; aspect-ratio: 860 / 321; }
.nav-links { display: flex; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a { white-space: nowrap; font-size: .93rem; font-weight: 500; color: var(--text-2); transition: color .2s; }
.nav-links a:hover { color: var(--text); }
.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-toggle { display: none; width: 42px; height: 42px; border: 1px solid var(--line-2); border-radius: var(--r); background: #fff; align-items: center; justify-content: center; }
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--text); position: relative; transition: background .3s; }
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; width: 18px; height: 2px; background: var(--text); transition: transform .3s, top .3s; }
.nav-toggle span::before { top: -6px; } .nav-toggle span::after { top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { top: 0; transform: rotate(-45deg); }
@media (max-width: 980px) {
  .nav-links { display: none; }
  .nav-toggle { display: inline-flex; }
  .site-header.menu-open .nav-links { display: flex; flex-direction: column; gap: 0; position: absolute; left: 0; right: 0; top: 74px; background: #fff; border-bottom: 1px solid var(--line); padding: 8px var(--gutter) 16px; box-shadow: var(--shadow); }
  .site-header.menu-open .nav-links a { display: block; padding: 14px 0; font-size: 1.05rem; border-bottom: 1px solid var(--line); color: var(--text); }
}

/* ---------- Hero ---------- */
.hero { position: relative; padding: clamp(56px, 8vw, 104px) 0 clamp(48px, 7vw, 88px); background: linear-gradient(180deg, var(--blue-tint) 0%, #fff 100%); overflow: hidden; }
.hero::before { content: ""; position: absolute; top: -200px; right: -160px; width: 640px; height: 640px; border-radius: 50%; background: radial-gradient(closest-side, rgba(30,91,198,.14), transparent 72%); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(36px, 6vw, 88px); align-items: center; position: relative; }
.badge { display: inline-flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: var(--blue-dark); background: #fff; border: 1px solid var(--blue-soft); border-radius: 999px; padding: 7px 14px 7px 8px; margin-bottom: 22px; box-shadow: 0 1px 2px rgba(15,27,51,.05); }
.badge i { width: 22px; height: 22px; border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; font-style: normal; }
.badge i svg { width: 12px; height: 12px; }
.hero h1 em { font-style: normal; color: var(--blue); }
.hero .lede { margin-top: 22px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 28px; margin-top: 28px; list-style: none; padding: 0; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; font-size: .92rem; font-weight: 500; color: var(--text-2); }
.hero-points svg { width: 18px; height: 18px; color: var(--good); flex: none; }

/* Options card */
.options-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: 30px; }
.options-card h3 { font-size: 1.25rem; margin-bottom: 4px; }
.options-card .sub { font-size: .9rem; color: var(--text-2); margin-bottom: 22px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
.f { display: flex; flex-direction: column; gap: 7px; }
.f label { font-size: .85rem; font-weight: 600; color: var(--text); }
.f label small { color: var(--text-3); font-weight: 400; margin-left: 6px; }
.f input, .f select, .f textarea { width: 100%; padding: 13px 14px; border: 1px solid var(--line-2); border-radius: var(--r); background: #fff; transition: border-color .2s, box-shadow .2s; }
.f input::placeholder, .f textarea::placeholder { color: var(--text-3); }
.f input:focus, .f select:focus, .f textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(30,91,198,.14); }
.f.error input, .f.error select { border-color: var(--danger); }
.f .err { display: none; font-size: .8rem; color: var(--danger); }
.f.error .err { display: block; }
.f select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234B566B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 40px; }
.money-in { position: relative; }
.money-in::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-3); font-weight: 500; }
.money-in input { padding-left: 30px; }
.options-card .btn { width: 100%; margin-top: 20px; }
.options-card .fine { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: .78rem; color: var(--text-3); margin-top: 14px; }
.options-card .fine svg { width: 14px; height: 14px; }
@media (max-width: 960px) { .hero-grid { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }

/* ---------- Stats bar ---------- */
.stats { border-bottom: 1px solid var(--line); background: #fff; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 28px 24px; border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat b { display: block; font-family: var(--font-display); font-size: 2rem; font-weight: 700; letter-spacing: -.03em; line-height: 1; color: var(--text); font-variant-numeric: tabular-nums; }
.stat span { display: block; margin-top: 8px; font-size: .88rem; color: var(--text-2); white-space: nowrap; }
@media (max-width: 800px) { .stats-grid { grid-template-columns: 1fr 1fr; } .stat { padding: 20px 16px; } .stat:nth-child(3) { border-left: 0; padding-left: 0; } .stat:first-child { padding-left: 0; } }

/* ---------- Sections ---------- */
.section { padding: clamp(64px, 8vw, 112px) 0; }
.section-alt { background: var(--bg-2); }
.section-dark { background: var(--navy); }
.section-head { max-width: 640px; margin-bottom: clamp(32px, 4vw, 48px); }
.section-head .lede { margin-top: 14px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .lede { margin-inline: auto; }

/* ---------- Products ---------- */
.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.product { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; display: flex; flex-direction: column; gap: 14px; position: relative; transition: transform .3s var(--ease), box-shadow .3s, border-color .3s; }
.product:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--line-2); }
.product .icon { width: 44px; height: 44px; border-radius: 10px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; }
.product .icon svg { width: 22px; height: 22px; }
.product h3 { font-size: 1.22rem; margin-top: 4px; }
.product p { color: var(--text-2); font-size: .95rem; min-height: 3.1em; }
.product dl { margin: auto 0 0; padding-top: 16px; border-top: 1px solid var(--line); display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.product dt { font-size: .72rem; color: var(--text-3); text-transform: uppercase; letter-spacing: .05em; font-weight: 600; }
.product dd { margin: 3px 0 0; font-size: .92rem; font-weight: 600; color: var(--text); }
.product .tag { position: absolute; top: 20px; right: 20px; font-size: .72rem; font-weight: 700; color: #fff; background: var(--blue); padding: 5px 10px; border-radius: 999px; letter-spacing: .03em; }
.product .link { margin-top: 4px; font-size: .92rem; }
@media (max-width: 960px) { .products { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .products { grid-template-columns: 1fr; } }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 30px 28px; }
.step .num { width: 40px; height: 40px; border-radius: 50%; background: var(--blue); color: #fff; font-family: var(--font-display); font-weight: 700; display: grid; place-items: center; margin-bottom: 20px; }
.step h3 { font-size: 1.25rem; margin-bottom: 10px; }
.step p { color: var(--text-2); font-size: .95rem; }
.step .time { margin-top: 18px; display: inline-flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: var(--blue-dark); background: var(--blue-soft); padding: 6px 12px; border-radius: 999px; }
.step .time svg { width: 14px; height: 14px; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1.1fr .9fr; gap: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow); }
.calc-controls { padding: 36px; display: flex; flex-direction: column; gap: 28px; border-right: 1px solid var(--line); }
.field { display: flex; flex-direction: column; gap: 10px; }
.field label { font-size: .9rem; font-weight: 600; display: flex; justify-content: space-between; }
.field label output { color: var(--blue); font-variant-numeric: tabular-nums; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 3px; background: linear-gradient(to right, var(--blue) var(--pct, 50%), var(--line) var(--pct, 50%)); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); cursor: grab; box-shadow: 0 2px 6px rgba(15,27,51,.2); }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); cursor: grab; }
.seg { display: inline-flex; border: 1px solid var(--line-2); border-radius: var(--r); overflow: hidden; align-self: flex-start; }
.seg button { padding: 10px 18px; background: #fff; border: 0; font-size: .88rem; font-weight: 500; color: var(--text-2); }
.seg button + button { border-left: 1px solid var(--line-2); }
.seg button[aria-pressed="true"] { background: var(--blue); color: #fff; }
.calc-result { padding: 36px; background: var(--blue-tint); }
.calc-result .label { font-size: .85rem; font-weight: 600; color: var(--text-2); }
.calc-big { font-family: var(--font-display); font-size: clamp(2.4rem, 4vw, 3.4rem); letter-spacing: -.035em; font-weight: 700; line-height: 1; margin: 8px 0 0; color: var(--text); font-variant-numeric: tabular-nums; }
.calc-big small { font-size: .32em; letter-spacing: 0; color: var(--text-2); font-weight: 500; margin-left: 6px; font-family: var(--font-body); }
.calc-rows { margin-top: 26px; }
.calc-rows div { display: flex; justify-content: space-between; padding: 12px 0; border-top: 1px solid rgba(15,27,51,.1); font-size: .93rem; }
.calc-rows div span:first-child { color: var(--text-2); }
.calc-rows div b { font-variant-numeric: tabular-nums; font-weight: 600; }
.calc-result .btn { width: 100%; margin-top: 22px; }
.calc-result .fine { font-size: .74rem; color: var(--text-3); margin-top: 14px; line-height: 1.5; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } .calc-controls { border-right: 0; border-bottom: 1px solid var(--line); } }

/* ---------- Why ---------- */
.why { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 80px); align-items: center; }
.features { display: grid; gap: 22px; margin-top: 30px; }
.feature { display: flex; gap: 16px; }
.feature .icon { flex: none; width: 40px; height: 40px; border-radius: 10px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; }
.feature .icon svg { width: 20px; height: 20px; }
.feature b { display: block; font-weight: 600; margin-bottom: 3px; }
.feature span { color: var(--text-2); font-size: .94rem; }
.compare-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); overflow: hidden; }
.compare-table { width: 100%; border-collapse: collapse; font-size: .93rem; }
.compare-table th, .compare-table td { padding: 15px 20px; text-align: left; border-bottom: 1px solid var(--line); }
.compare-table thead th { font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; color: var(--text-3); font-weight: 600; background: var(--bg-2); }
.compare-table thead th.gfg { color: var(--blue); }
.compare-table tbody tr:last-child td { border-bottom: 0; }
.compare-table td:first-child { color: var(--text-2); }
.compare-table td.gfg { font-weight: 600; color: var(--text); }
.compare-table td.gfg::before { content: ""; display: inline-block; width: 16px; height: 16px; margin-right: 8px; vertical-align: -3px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B9E5A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / contain no-repeat; }
.compare-table td.bank { color: var(--text-3); }
@media (max-width: 900px) { .why { grid-template-columns: 1fr; } }

/* ---------- Industries ---------- */
.industries { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.industry { border: 1px solid var(--line); border-radius: var(--r); padding: 18px; background: #fff; display: flex; align-items: center; gap: 12px; font-weight: 500; font-size: .95rem; transition: border-color .2s, box-shadow .2s; }
.industry:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.industry svg { width: 22px; height: 22px; flex: none; stroke: var(--blue); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
@media (max-width: 960px) { .industries { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Reviews ---------- */
.section-dark { background: #0A1F8F; }
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card { background: #fff; color: var(--text); border-radius: 12px; padding: 30px 30px 26px; display: flex; flex-direction: column; }
.review-card .stars { display: flex; gap: 3px; margin-bottom: 20px; }
.review-card .stars span { width: 32px; height: 32px; background: #00B67A; display: grid; place-items: center; }
.review-card .stars span::before { content: ""; width: 18px; height: 18px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23fff'%3E%3Cpath d='M12 2.5l2.9 6.2 6.8.8-5 4.6 1.3 6.7L12 17.5l-6 3.3 1.3-6.7-5-4.6 6.8-.8z'/%3E%3C/svg%3E") center / contain no-repeat; }
.review-card h3 { font-size: 1.32rem; letter-spacing: -.015em; margin-bottom: 12px; }
.review-card p { color: var(--text-2); font-size: 1rem; line-height: 1.65; flex: 1; }
.reviewer { display: flex; align-items: center; gap: 14px; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line); }
.reviewer .avatar { flex: none; width: 48px; height: 48px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 700; font-size: 1.05rem; display: grid; place-items: center; }
.reviewer b { display: flex; align-items: center; gap: 6px; font-size: 1rem; }
.reviewer .verified { width: 18px; height: 18px; }
.reviewer div > span { display: block; font-size: .88rem; color: var(--text-2); }
@media (max-width: 960px) { .reviews { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .reviews { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; display: grid; gap: 10px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 0 22px; transition: border-color .2s; }
.faq details[open] { border-color: var(--line-2); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 18px 0; font-weight: 600; font-size: 1.02rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: none; width: 20px; height: 20px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E5BC6' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center / contain no-repeat; transition: transform .3s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 0 20px; color: var(--text-2); max-width: 70ch; font-size: .96rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--blue); color: #fff; padding: clamp(52px, 7vw, 88px) 0; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: -120px; top: -160px; width: 480px; height: 480px; border-radius: 50%; background: rgba(255,255,255,.07); }
.cta-band .inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; position: relative; }
.cta-band h2 { max-width: 20ch; }
.cta-band p { color: rgba(255,255,255,.8); margin-top: 10px; }
.cta-band .btn-secondary { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.cta-band .btn-secondary:hover { background: rgba(255,255,255,.1); border-color: #fff; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.72); padding: 60px 0 28px; font-size: .9rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.12); }
.site-footer .brand { color: #fff; }
.site-footer .brand svg { height: 26px; }
.footer-grid p { margin-top: 16px; max-width: 38ch; color: rgba(255,255,255,.6); }
.footer-grid h4 { color: #fff; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; font-weight: 600; margin-bottom: 16px; font-family: var(--font-body); }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-grid a:hover { color: #fff; }
.footer-bottom { padding-top: 24px; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; font-size: .8rem; color: rgba(255,255,255,.5); }
.disclaimer { margin-top: 24px; font-size: .76rem; color: rgba(255,255,255,.45); line-height: 1.55; max-width: 110ch; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in-view { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: .08s; } .reveal[data-delay="2"] { transition-delay: .16s; } .reveal[data-delay="3"] { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ============================================================
   APPLY PAGE
   ============================================================ */
.apply-page { background: var(--bg-2); }
.apply-layout { display: grid; grid-template-columns: 1fr 360px; gap: clamp(28px, 4vw, 56px); padding: clamp(36px, 5vw, 64px) 0; align-items: start; }
.apply-main { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(24px, 4vw, 40px); box-shadow: var(--shadow); }
.apply-side { position: sticky; top: 96px; display: grid; gap: 16px; }
.side-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; }
.side-card h3 { font-size: 1.05rem; margin-bottom: 14px; }
.side-card ol, .side-card ul { padding: 0; margin: 0; display: grid; gap: 12px; font-size: .92rem; color: var(--text-2); list-style: none; counter-reset: s; }
.side-card ol li { display: flex; gap: 12px; counter-increment: s; }
.side-card ol li::before { content: counter(s); flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--blue-soft); color: var(--blue); font-weight: 700; font-size: .78rem; display: grid; place-items: center; }
.side-card ul li { display: flex; gap: 10px; }
.side-card ul li::before { content: ""; flex: none; width: 18px; height: 18px; margin-top: 2px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B9E5A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / contain no-repeat; }
.side-card.navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.side-card.navy h3 { color: #fff; }
.side-card.navy ol { color: rgba(255,255,255,.78); }
.side-card.navy ol li::before { background: rgba(255,255,255,.12); color: #fff; }
.side-card .who { display: flex; align-items: center; gap: 12px; margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line); }
.side-card .avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; }
.side-card .avatar svg { width: 18px; height: 18px; }
.side-card .who b { display: block; font-size: .92rem; } .side-card .who span { font-size: .8rem; color: var(--text-2); }
.side-card .who a { color: var(--blue); font-weight: 600; }

.progress { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; margin: 14px 0 32px; }
.progress div { height: 5px; background: var(--line); border-radius: 3px; position: relative; overflow: hidden; }
.progress div::after { content: ""; position: absolute; inset: 0; background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform .5s var(--ease); }
.progress div.done::after, .progress div.active::after { transform: scaleX(1); }
.progress-label { display: flex; justify-content: space-between; font-size: .82rem; font-weight: 600; color: var(--text-2); }
.progress-label span:last-child { color: var(--blue); }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeUp .45s var(--ease); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px);} to { opacity: 1; transform: none; } }
.form-step h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-bottom: 6px; }
.form-step .lede { font-size: .97rem; margin-bottom: 28px; }
.form-step .form-grid { gap: 18px; }

.choice-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; }
.choice span { display: block; padding: 14px 12px; border: 1px solid var(--line-2); border-radius: var(--r); background: #fff; font-size: .92rem; font-weight: 500; text-align: center; transition: border-color .2s, background .2s, color .2s; cursor: pointer; }
.choice input:checked + span { background: var(--blue-soft); color: var(--blue-dark); border-color: var(--blue); }
.choice input:focus-visible + span { box-shadow: 0 0 0 4px rgba(30,91,198,.16); }
@media (max-width: 640px) { .choice-grid { grid-template-columns: 1fr 1fr; } }

.form-nav { display: flex; justify-content: space-between; align-items: center; gap: 14px; margin-top: 32px; padding-top: 22px; border-top: 1px solid var(--line); }
.form-nav .hint { font-size: .8rem; color: var(--text-3); display: flex; align-items: center; gap: 8px; }
.form-nav .hint svg { width: 14px; height: 14px; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .84rem; color: var(--text-2); margin-top: 24px; }
.consent a { color: var(--blue); text-decoration: underline; }
.consent input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--blue); flex: none; }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

.review { border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
.review div { display: grid; grid-template-columns: 180px 1fr; gap: 12px; padding: 11px 16px; border-bottom: 1px solid var(--line); font-size: .92rem; }
.review div:nth-child(odd) { background: var(--bg-2); }
.review div:last-child { border-bottom: 0; }
.review span:first-child { color: var(--text-2); }

.success { text-align: center; padding: 30px 0; animation: fadeUp .5s var(--ease); }
.success .check { width: 68px; height: 68px; border-radius: 50%; background: var(--good); display: grid; place-items: center; margin: 0 auto 22px; }
.success .check svg { width: 30px; height: 30px; stroke: #fff; stroke-width: 3; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.success h2 { margin-bottom: 12px; }
.success .ref { font-size: .88rem; margin-top: 18px; padding: 10px 16px; background: var(--bg-2); border: 1px solid var(--line); border-radius: var(--r); display: inline-block; }
.success .ref b { color: var(--blue); }
@media (max-width: 960px) { .apply-layout { grid-template-columns: 1fr; } .apply-side { position: static; } }
@media (max-width: 640px) { .review div { grid-template-columns: 1fr; gap: 2px; } }

/* ============================================================
   LEGAL PAGES (privacy.html, terms.html)
   ============================================================ */
.legal-hero { background: linear-gradient(180deg, var(--blue-tint) 0%, #fff 100%); border-bottom: 1px solid var(--line); padding: clamp(44px, 6vw, 76px) 0 clamp(34px, 4vw, 52px); }
.legal-hero h1 { font-size: clamp(2rem, 3.6vw, 3rem); max-width: 18ch; }
.legal-hero .lede { margin-top: 18px; }
.legal-meta { display: flex; flex-wrap: wrap; gap: 8px 12px; margin-top: 26px; font-size: .84rem; color: var(--text-2); }
.legal-meta span { display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 7px 14px; }
.legal-meta b { font-weight: 600; color: var(--text); }

.legal-layout { display: grid; grid-template-columns: 250px 1fr; gap: clamp(32px, 5vw, 72px); padding: clamp(40px, 5vw, 72px) 0 clamp(56px, 7vw, 88px); align-items: start; }
.legal-toc { position: sticky; top: 96px; }
.legal-toc h2 { font-family: var(--font-body); font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; font-weight: 600; color: var(--text-3); margin-bottom: 14px; }
.legal-toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 1px; counter-reset: toc; }
.legal-toc a { display: block; padding: 8px 14px; font-size: .89rem; line-height: 1.35; color: var(--text-2); border-left: 2px solid var(--line); counter-increment: toc; transition: color .2s, background .2s, border-color .2s; }
.legal-toc a::before { content: counter(toc) ". "; color: var(--text-3); font-variant-numeric: tabular-nums; }
.legal-toc a:hover { color: var(--blue); background: var(--blue-tint); border-left-color: var(--blue); }

.legal-body { max-width: 74ch; min-width: 0; }
.legal-body > section { scroll-margin-top: 96px; }
.legal-body > section + section { margin-top: clamp(38px, 4vw, 52px); }
.legal-body h2 { font-size: clamp(1.22rem, 1.9vw, 1.5rem); scroll-margin-top: 100px; }
.legal-body h3 { font-size: 1rem; margin-top: 26px; }
.legal-body p, .legal-body li { color: var(--text-2); font-size: .97rem; }
.legal-body p + p, .legal-body h2 + p, .legal-body h3 + p { margin-top: 14px; }
.legal-body .legal-table-wrap + p, .legal-body .legal-note + p, .legal-body ul + p { margin-top: 18px; }
.legal-body strong { color: var(--text); font-weight: 600; }
.legal-body a { color: var(--blue); font-weight: 500; text-decoration: underline; text-underline-offset: 2px; }
.legal-body ul { list-style: none; margin: 16px 0 0; padding: 0; display: grid; gap: 11px; }
.legal-body ul li { position: relative; padding-left: 20px; }
.legal-body ul li::before { content: ""; position: absolute; left: 2px; top: .62em; width: 6px; height: 6px; border-radius: 50%; background: var(--blue); }
.legal-body ul li ul { margin-top: 11px; }

.legal-table-wrap { margin-top: 18px; border: 1px solid var(--line); border-radius: var(--r); overflow-x: auto; }
.legal-table { width: 100%; min-width: 480px; border-collapse: collapse; font-size: .9rem; }
.legal-table th, .legal-table td { padding: 13px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.legal-table thead th { font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; color: var(--text-3); font-weight: 600; background: var(--bg-2); white-space: nowrap; }
.legal-table tbody tr:last-child td { border-bottom: 0; }
.legal-table td { color: var(--text-2); }
.legal-table td:first-child { color: var(--text); font-weight: 600; }

.legal-note { margin-top: 20px; background: var(--bg-2); border: 1px solid var(--line); border-left: 3px solid var(--blue); border-radius: var(--r); padding: 18px 20px; font-size: .93rem; color: var(--text-2); }
.legal-note b { color: var(--text); }

.legal-contact { margin-top: clamp(40px, 5vw, 56px); background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); padding: clamp(24px, 3vw, 32px); }
.legal-contact h2 { margin-bottom: 8px; }
.legal-contact ul { margin-top: 18px; }
.legal-contact ul li { display: flex; gap: 12px; padding-left: 0; }
.legal-contact ul li::before { display: none; }
.legal-contact ul li svg { flex: none; width: 18px; height: 18px; margin-top: .18em; color: var(--blue); }

@media (max-width: 900px) {
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 22px 20px; }
  .legal-toc ol { grid-template-columns: 1fr 1fr; display: grid; gap: 2px 20px; }
}
@media (max-width: 560px) { .legal-toc ol { grid-template-columns: 1fr; } }