:root {
  --navy: #082033;
  --navy-mid: #0E3854;
  --gold: #2AAFEA;
  --gold-light: #C6EEFF;
  --cream: #EFF9FF;
  --white: #FFFFFF;
  --text-muted-light: #6F8798;
  --green-cta: #12B886;
  --red-urgency: #E84855;
  --border-subtle: rgba(115,199,246,0.24);
  --sky-soft: #E4F6FF;
  --sky-border: #B9E8FF;
}

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--navy);
}

    h1, h2, h3, h4 { font-family: 'Playfair Display', serif; }

    /* ─── NAVBAR ─── */
    .navbar {
      background: var(--navy);
      padding: 1rem 0;
      border-bottom: 1px solid var(--border-subtle);
      position: sticky;
      top: 0;
      z-index: 1000;
    }
    .navbar-brand {
      font-family: 'Playfair Display', serif;
      font-size: 1.7rem;
      font-weight: 900;
      color: var(--white) !important;
      letter-spacing: -0.5px;
    }
    .navbar-brand span { color: var(--gold); }
    .navbar .nav-link {
      color: rgba(255,255,255,0.82) !important;
      font-weight: 500;
      font-size: 0.9rem;
      letter-spacing: 0.3px;
      transition: color 0.2s;
    }
    .navbar .nav-link:hover { color: var(--gold) !important; }
    .btn-apply-nav {
      background: var(--gold);
      color: var(--navy) !important;
      font-weight: 700;
      border-radius: 6px;
      padding: 0.45rem 1.2rem;
      font-size: 0.88rem;
      transition: background 0.2s, transform 0.15s;
    }
    .btn-apply-nav:hover { background: var(--gold-light); transform: translateY(-1px); }
    .trust-bar {
      background: var(--gold);
      padding: 0.4rem 0;
      text-align: center;
      font-size: 0.82rem;
      font-weight: 600;
      color: var(--navy);
      letter-spacing: 0.4px;
    }
    .trust-bar span { margin: 0 1.5rem; }

    /* ─── HERO ─── */
    .hero {
      background: var(--navy);
      min-height: 92vh;
      position: relative;
      overflow: hidden;
      padding: 0;
    }
    .hero-slider,
    .hero-slider .carousel-inner,
    .hero-slide {
      min-height: 92vh;
    }
    .hero-slide {
      background-size: cover;
      background-position: center;
      position: relative;
    }
    .hero-slide::before {
      content: "";
      position: absolute;
      inset: 0;
      background:
        linear-gradient(90deg, rgba(8,32,51,0.94) 0%, rgba(8,32,51,0.78) 46%, rgba(8,32,51,0.3) 100%),
        linear-gradient(180deg, rgba(8,32,51,0.2) 0%, rgba(8,32,51,0.72) 100%);
    }
    .hero-grid-bg {
      position: absolute;
      inset: 0;
      z-index: 1;
      pointer-events: none;
      background-image:
        linear-gradient(rgba(42,175,234,0.08) 1px, transparent 1px),
        linear-gradient(90deg, rgba(42,175,234,0.08) 1px, transparent 1px);
      background-size: 60px 60px;
    }
    .hero-slide-content {
      min-height: 92vh;
      display: flex;
      align-items: center;
      position: relative;
      z-index: 2;
      padding: 7rem 0 6rem;
    }
    .hero-content-row {
      width: 100%;
    }
    .hero-copy-col {
      padding-right: 2rem;
    }
    .hero-calculator-wrap {
      position: absolute;
      inset: 0;
      z-index: 5;
      pointer-events: none;
    }
    .hero-calculator-wrap .container,
    .hero-calculator-wrap .row {
      min-height: 92vh;
    }
    .hero-calc-col {
      display: flex;
      justify-content: flex-end;
    }
    .hero-calculator-wrap .calc-card {
      pointer-events: auto;
      width: min(100%, 430px);
    }
    .hero-indicators {
      right: auto;
      bottom: 2rem;
      left: max(1rem, calc((100vw - 1140px) / 2));
      margin: 0;
      justify-content: flex-start;
      z-index: 7;
    }
    .hero-indicators [data-bs-target] {
      width: 44px;
      height: 4px;
      border: 0;
      border-radius: 999px;
      background-color: rgba(255,255,255,0.55);
    }
    .hero-indicators .active {
      background-color: var(--gold);
    }
    .hero-control {
      top: auto;
      bottom: 1.4rem;
      width: 44px;
      height: 44px;
      z-index: 7;
      opacity: 0.9;
      background: rgba(8,32,51,0.58);
      border: 1px solid rgba(255,255,255,0.18);
      border-radius: 8px;
      backdrop-filter: blur(8px);
    }
    .hero-control:hover { opacity: 1; }
    .carousel-control-prev.hero-control {
      left: calc(max(1rem, (100vw - 1140px) / 2) + 150px);
      right: auto;
    }
    .carousel-control-next.hero-control {
      left: calc(max(1rem, (100vw - 1140px) / 2) + 202px);
      right: auto;
    }
    .hero-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(42,175,234,0.16);
      border: 1px solid rgba(42,175,234,0.36);
      border-radius: 50px;
      padding: 0.4rem 1rem;
      font-size: 0.8rem;
      font-weight: 600;
      color: var(--gold);
      letter-spacing: 1px;
      text-transform: uppercase;
      margin-bottom: 1.5rem;
    }
    .hero h1 {
      font-size: clamp(2.8rem, 6vw, 5rem);
      font-weight: 900;
      color: var(--white);
      line-height: 1.08;
      letter-spacing: 0;
      margin-bottom: 1.5rem;
    }
    .hero h1 em {
      font-style: normal;
      color: var(--gold);
    }
    .hero-sub {
      color: rgba(255,255,255,0.72);
      font-size: 1.15rem;
      line-height: 1.7;
      max-width: 520px;
      margin-bottom: 2.5rem;
      font-weight: 300;
    }
    .hero-cta-group { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; }
    .btn-primary-gold {
      background: var(--gold);
      color: var(--navy);
      font-weight: 700;
      font-size: 1rem;
      padding: 0.9rem 2.2rem;
      border-radius: 8px;
      border: none;
      cursor: pointer;
      transition: all 0.2s;
      display: inline-flex;
      align-items: center;
      gap: 8px;
      text-decoration: none;
    }
    .btn-primary-gold:hover {
      background: var(--gold-light);
      color: var(--navy);
      transform: translateY(-2px);
      box-shadow: 0 12px 32px rgba(42,175,234,0.32);
    }
    .btn-outline-white {
      background: transparent;
      color: var(--white);
      font-weight: 600;
      font-size: 1rem;
      padding: 0.9rem 2.2rem;
      border-radius: 8px;
      border: 1.5px solid rgba(255,255,255,0.3);
      cursor: pointer;
      transition: all 0.2s;
      display: inline-flex;
      align-items: center;
      gap: 8px;
      text-decoration: none;
    }
    .btn-outline-white:hover {
      border-color: var(--gold);
      color: var(--gold);
    }
    .hero-stats {
      display: flex;
      gap: 1.8rem;
      margin-top: 3rem;
      flex-wrap: wrap;
      max-width: 560px;
    }
    .hero-stat-item { min-width: 110px; }
    .hero-stat-num {
      font-family: 'Playfair Display', serif;
      font-size: 2rem;
      font-weight: 900;
      color: var(--gold);
    }
    .hero-stat-label {
      font-size: 0.8rem;
      color: rgba(255,255,255,0.55);
      font-weight: 500;
      letter-spacing: 0.5px;
    }
    /* Loan Calculator Card */
    .calc-card {
      background: var(--white);
      border-radius: 8px;
      padding: 2.2rem;
      box-shadow: 0 32px 80px rgba(0,0,0,0.4);
      position: relative;
      z-index: 2;
    }
    .calc-card h3 {
      font-size: 1.35rem;
      color: var(--navy);
      margin-bottom: 0.3rem;
    }
    .calc-card .sub {
      font-size: 0.85rem;
      color: var(--text-muted-light);
      margin-bottom: 1.5rem;
    }
    .calc-label {
      font-size: 0.82rem;
      font-weight: 600;
      color: var(--navy);
      letter-spacing: 0.3px;
      margin-bottom: 0.4rem;
    }
    .calc-range {
      -webkit-appearance: none;
      width: 100%;
      height: 6px;
      background: #E0E0E0;
      border-radius: 4px;
      outline: none;
      margin-bottom: 0.3rem;
    }
    .calc-range::-webkit-slider-thumb {
      -webkit-appearance: none;
      width: 20px; height: 20px;
      background: var(--gold);
      border-radius: 50%;
      cursor: pointer;
      border: 3px solid white;
      box-shadow: 0 2px 8px rgba(0,0,0,0.2);
    }
    .calc-val {
      font-family: 'Playfair Display', serif;
      font-size: 1.5rem;
      font-weight: 700;
      color: var(--navy);
    }
    .calc-result-box {
      background: var(--navy);
      border-radius: 8px;
      padding: 1.2rem 1.5rem;
      margin-top: 1.2rem;
    }
    .calc-monthly {
      font-family: 'Playfair Display', serif;
      font-size: 2.2rem;
      font-weight: 900;
      color: var(--gold);
    }
    .calc-monthly-label {
      font-size: 0.78rem;
      color: rgba(255,255,255,0.6);
      font-weight: 500;
    }
    .btn-apply-calc {
      width: 100%;
      background: var(--gold);
      color: var(--navy);
      font-weight: 700;
      font-size: 1rem;
      padding: 0.85rem;
      border: none;
      border-radius: 8px;
      cursor: pointer;
      margin-top: 1.2rem;
      transition: all 0.2s;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      text-decoration: none;
    }
    .btn-apply-calc:hover {
      background: var(--gold-light);
      color: var(--navy);
      transform: translateY(-1px);
      box-shadow: 0 8px 20px rgba(42,175,234,0.32);
    }
    .calc-note {
      text-align: center;
      font-size: 0.78rem;
      color: #999;
      margin-top: 0.7rem;
    }

    /* ─── TRUST LOGOS ─── */
    .logos-section {
      background: var(--cream);
      padding: 2.5rem 0;
      border-bottom: 1px solid var(--sky-border);
    }
    .logos-label {
      font-size: 0.78rem;
      font-weight: 700;
      color: #AAA;
      letter-spacing: 1.5px;
      text-transform: uppercase;
      text-align: center;
      margin-bottom: 1.5rem;
    }
    .logo-item {
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      font-weight: 700;
      color: #BBBBBB;
      transition: color 0.2s;
    }
    .logo-item:hover { color: var(--navy); }
    .logo-item i { font-size: 1.4rem; margin-right: 6px; }

    /* ─── HOW IT WORKS ─── */
    .section-eyebrow {
      font-size: 0.78rem;
      font-weight: 700;
      letter-spacing: 2px;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.6rem;
    }
    .section-title {
      font-size: clamp(2rem, 4vw, 3rem);
      font-weight: 900;
      color: var(--navy);
      line-height: 1.15;
    }
    .section-desc {
      color: #6B7A8D;
      font-size: 1.05rem;
      line-height: 1.75;
      font-weight: 300;
    }
    .step-card {
      text-align: center;
      padding: 2rem 1.5rem;
      border-radius: 8px;
      transition: all 0.3s;
      border: 1px solid transparent;
      position: relative;
    }
    .step-card:hover {
      background: var(--cream);
      border-color: var(--border-subtle);
      transform: translateY(-4px);
    }
    .step-num {
      width: 58px; height: 58px;
      background: var(--navy);
      color: var(--gold);
      font-family: 'Playfair Display', serif;
      font-size: 1.4rem;
      font-weight: 900;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 1.2rem;
    }
    .step-card h4 {
      font-size: 1.15rem;
      color: var(--navy);
      margin-bottom: 0.6rem;
    }
    .step-card p {
      font-size: 0.9rem;
      color: #6B7A8D;
      line-height: 1.65;
    }
    .step-connector {
      position: absolute;
      top: 3.2rem;
      right: -12%;
      font-size: 1.4rem;
      color: var(--gold);
      opacity: 0.4;
    }

    /* BROKER PLATFORM */
    .broker-section {
      background: linear-gradient(180deg, var(--sky-soft) 0%, var(--white) 100%);
      padding: 6rem 0;
    }
    .registration-panel {
      background: var(--white);
      border: 1px solid var(--sky-border);
      border-radius: 8px;
      padding: 1.5rem;
      margin-top: 2rem;
      box-shadow: 0 16px 40px rgba(8,32,51,0.08);
    }
    .registration-label {
      color: var(--text-muted-light);
      font-size: 0.76rem;
      font-weight: 700;
      letter-spacing: 1.4px;
      text-transform: uppercase;
      margin-bottom: 0.35rem;
    }
    .registration-number {
      font-family: 'Playfair Display', serif;
      font-size: 1.8rem;
      font-weight: 900;
      color: var(--navy);
      margin-bottom: 0.45rem;
    }
    .registration-panel p {
      color: #5F7483;
      font-size: 0.9rem;
      line-height: 1.6;
      margin-bottom: 1rem;
    }
    .registration-link {
      color: var(--gold);
      font-weight: 700;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 6px;
    }
    .registration-link:hover { color: var(--navy-mid); }
    .broker-photo,
    .why-photo,
    .eligibility-photo {
      position: relative;
      margin: 1.6rem 0 0;
      overflow: hidden;
      border-radius: 8px;
      border: 1px solid var(--sky-border);
      box-shadow: 0 14px 34px rgba(8,32,51,0.1);
    }
    .broker-photo img,
    .why-photo img,
    .eligibility-photo img {
      display: block;
      width: 100%;
      aspect-ratio: 16 / 10;
      object-fit: cover;
    }
    .broker-photo figcaption,
    .why-photo figcaption {
      position: absolute;
      left: 1rem;
      right: 1rem;
      bottom: 1rem;
      background: rgba(8,32,51,0.82);
      color: var(--white);
      border: 1px solid rgba(255,255,255,0.12);
      border-radius: 8px;
      padding: 0.75rem 0.9rem;
      font-size: 0.84rem;
      font-weight: 600;
      display: flex;
      align-items: center;
      gap: 0.45rem;
      backdrop-filter: blur(10px);
    }
    .broker-card {
      background: var(--white);
      border: 1px solid var(--sky-border);
      border-radius: 8px;
      padding: 1.6rem;
      height: 100%;
      box-shadow: 0 12px 30px rgba(8,32,51,0.07);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .broker-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 18px 42px rgba(8,32,51,0.1);
    }
    .broker-icon {
      width: 46px;
      height: 46px;
      background: var(--sky-soft);
      border: 1px solid var(--sky-border);
      border-radius: 8px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
      font-size: 1.25rem;
      margin-bottom: 1rem;
    }
    .broker-card h4 {
      font-size: 1.05rem;
      color: var(--navy);
      margin-bottom: 0.55rem;
    }
    .broker-card p {
      color: #5F7483;
      font-size: 0.88rem;
      line-height: 1.65;
      margin: 0;
    }

    /* ─── LOAN PRODUCTS ─── */
    .products-section {
      background: var(--navy);
      padding: 6rem 0;
      position: relative;
      overflow: hidden;
    }
    .products-section::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(ellipse 70% 60% at 50% 50%, rgba(42,175,234,0.11) 0%, transparent 70%);
    }
    .product-card {
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(255,255,255,0.08);
      border-radius: 8px;
      padding: 2rem 1.8rem;
      transition: all 0.3s;
      height: 100%;
      position: relative;
      overflow: hidden;
    }
    .product-card-image {
      width: calc(100% + 3.6rem);
      margin: -2rem -1.8rem 1rem;
      min-height: 180px;
      border-top-left-radius: 8px;
      border-top-right-radius: 8px;
      background-size: cover;
      background-position: center;
      filter: saturate(1.1);
    }
    .product-card::before {
      content: '';
      position: absolute;
      top: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      transform: scaleX(0);
      transition: transform 0.3s;
    }
    .product-card:hover { background: rgba(255,255,255,0.07); transform: translateY(-6px); }
    .product-card:hover::before { transform: scaleX(1); }
    .product-meta {
      color: rgba(255,255,255,0.55);
      font-size: 0.78rem;
      margin-top: 0.35rem;
      margin-bottom: 1rem;
    }
    .single-loan-hero .hero-slide {
      min-height: 70vh;
    }
    .loan-detail-card {
      background: var(--white);
      border-radius: 12px;
      padding: 2rem;
      box-shadow: 0 24px 70px rgba(0,0,0,0.12);
      border: 1px solid rgba(0,0,0,0.04);
    }
    .loan-detail-image {
      width: 100%;
      height: 280px;
      border-radius: 12px;
      background-size: cover;
      background-position: center;
      margin-bottom: 1.5rem;
    }
    .loan-specs {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 1rem;
      margin: 1.5rem 0;
    }
    .loan-spec {
      background: var(--cream);
      border-radius: 10px;
      padding: 1rem;
      color: var(--navy);
      font-size: 0.95rem;
      line-height: 1.5;
    }
    .loan-spec strong {
      display: block;
      color: var(--gold);
      font-size: 0.95rem;
      margin-bottom: 0.35rem;
    }
    .loan-detail-features {
      list-style: none;
      padding: 0;
      margin: 0;
      display: grid;
      gap: 0.9rem;
    }
    .loan-detail-features li {
      position: relative;
      padding-left: 1.5rem;
      color: #4D5D72;
      font-size: 0.95rem;
      line-height: 1.65;
    }
    .loan-detail-features li::before {
      content: '\2022';
      position: absolute;
      left: 0;
      top: 0.3rem;
      color: var(--gold);
      font-size: 1rem;
      line-height: 1;
    }
    .loan-detail-cta {
      background: var(--navy);
      color: var(--white);
      border-radius: 8px;
      padding: 0.95rem 1.4rem;
      text-decoration: none;
      font-weight: 700;
      display: inline-flex;
      align-items: center;
      gap: 0.6rem;
    }
    .loan-detail-cta:hover {
      background: #041726;
    }
    .product-icon {
      width: 52px; height: 52px;
      background: rgba(42,175,234,0.16);
      border-radius: 8px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.4rem;
      color: var(--gold);
      margin-bottom: 1.2rem;
    }
    .product-card h4 { color: var(--white); font-size: 1.15rem; margin-bottom: 0.5rem; }
    .product-card p { color: rgba(255,255,255,0.55); font-size: 0.88rem; line-height: 1.65; margin-bottom: 1.2rem; }
    .product-rate {
      color: var(--gold);
      font-weight: 700;
      font-size: 0.85rem;
      margin-bottom: 0.3rem;
    }
    .product-amount { color: rgba(255,255,255,0.4); font-size: 0.8rem; }
    .product-meta { color: rgba(255,255,255,0.55); font-size: 0.78rem; margin-top: 0.35rem; margin-bottom: 1rem; }
    .product-link {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      color: var(--gold);
      font-size: 0.85rem;
      font-weight: 600;
      text-decoration: none;
      margin-top: 1.2rem;
      transition: gap 0.2s;
    }
    .product-link:hover { gap: 10px; color: var(--gold-light); }
    .featured-badge {
      position: absolute;
      top: 1rem; right: 1rem;
      background: var(--gold);
      color: var(--navy);
      font-size: 0.7rem;
      font-weight: 700;
      padding: 0.2rem 0.6rem;
      border-radius: 50px;
      letter-spacing: 0.5px;
      text-transform: uppercase;
    }
    .product-story-grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 1rem;
      margin-top: 1.5rem;
    }
    .product-story {
      min-height: 220px;
      border-radius: 8px;
      border: 1px solid rgba(255,255,255,0.12);
      background-size: cover;
      background-position: center;
      position: relative;
      overflow: hidden;
      padding: 1.4rem;
      display: flex;
      flex-direction: column;
      justify-content: flex-end;
    }
    .product-story::before {
      content: "";
      position: absolute;
      inset: 0;
      background: linear-gradient(180deg, rgba(8,32,51,0.08) 0%, rgba(8,32,51,0.86) 100%);
    }
    .product-story span,
    .product-story h4 {
      position: relative;
      z-index: 1;
    }
    .product-story span {
      color: var(--gold-light);
      font-size: 0.74rem;
      font-weight: 800;
      letter-spacing: 1.2px;
      text-transform: uppercase;
      margin-bottom: 0.35rem;
    }
    .product-story h4 {
      color: var(--white);
      font-size: 1.1rem;
      line-height: 1.3;
      margin: 0;
      max-width: 280px;
    }

    /* ─── RATES TABLE ─── */
    .rates-section { padding: 6rem 0; background: var(--white); }
    .rates-table { border-radius: 8px; overflow: hidden; box-shadow: 0 8px 40px rgba(0,0,0,0.08); }
    .rates-table thead th {
      background: var(--navy);
      color: var(--gold);
      font-family: 'DM Sans', sans-serif;
      font-weight: 600;
      font-size: 0.85rem;
      letter-spacing: 0.5px;
      text-transform: uppercase;
      padding: 1.1rem 1.5rem;
      border: none;
    }
    .rates-table tbody td {
      padding: 1rem 1.5rem;
      font-size: 0.9rem;
      color: var(--navy);
      vertical-align: middle;
      border-color: #D9EEF8;
    }
    .rates-table tbody tr:hover { background: var(--cream); }
    .rate-badge {
      background: var(--sky-soft);
      color: var(--navy-mid);
      font-weight: 700;
      font-size: 0.88rem;
      padding: 0.25rem 0.7rem;
      border-radius: 50px;
    }
    .best-deal-row { background: rgba(42,175,234,0.08) !important; }
    .best-deal-row td { font-weight: 600; }

    /* ─── WHY CHOOSE US ─── */
    .why-section { background: var(--cream); padding: 6rem 0; }
    .why-card {
      display: flex;
      gap: 1.2rem;
      padding: 1.5rem;
      border-radius: 8px;
      transition: all 0.2s;
      margin-bottom: 1rem;
    }
    .why-card:hover { background: white; box-shadow: 0 6px 24px rgba(0,0,0,0.07); }
    .why-icon {
      width: 48px; height: 48px; flex-shrink: 0;
      background: var(--navy);
      border-radius: 8px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.2rem;
      color: var(--gold);
    }
    .why-card h5 { font-size: 1rem; color: var(--navy); margin-bottom: 0.3rem; }
    .why-card p { font-size: 0.88rem; color: #6B7A8D; line-height: 1.6; margin: 0; }

    /* ─── TESTIMONIALS ─── */
    .testimonials-section { padding: 6rem 0; background: var(--white); }
    .review-summary {
      display: inline-flex;
      justify-content: center;
      gap: 1rem;
      flex-wrap: wrap;
      margin-top: 1.5rem;
    }
    .review-summary div {
      background: var(--sky-soft);
      border: 1px solid var(--sky-border);
      border-radius: 8px;
      padding: 0.8rem 1.2rem;
      min-width: 150px;
    }
    .review-summary strong {
      display: block;
      font-family: 'Playfair Display', serif;
      font-size: 1.35rem;
      color: var(--navy);
      line-height: 1;
    }
    .review-summary span {
      color: #668090;
      font-size: 0.78rem;
      font-weight: 600;
    }
    .testimonial-card {
      background: var(--cream);
      border-radius: 8px;
      padding: 2rem;
      height: 100%;
      border: 1px solid var(--sky-border);
      transition: all 0.25s;
      position: relative;
    }
    .testimonial-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); }
    .customer-photo {
      width: 76px;
      height: 76px;
      border-radius: 50%;
      object-fit: cover;
      display: block;
      margin-bottom: 1rem;
      border: 3px solid var(--white);
      box-shadow: 0 10px 20px rgba(8,32,51,0.16);
    }
    .stars { color: var(--gold); font-size: 0.95rem; margin-bottom: 1rem; }
    .testimonial-text {
      font-size: 0.95rem;
      line-height: 1.75;
      color: #3D4A5A;
      margin-bottom: 1.5rem;
      font-style: italic;
    }
    .testimonial-author {
      display: flex;
      align-items: center;
      gap: 0.8rem;
    }
    .author-avatar {
      width: 42px; height: 42px;
      border-radius: 50%;
      background: var(--navy);
      color: var(--gold);
      display: flex; align-items: center; justify-content: center;
      font-family: 'Playfair Display', serif;
      font-weight: 700;
      font-size: 1rem;
    }
    .author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
    .author-title { font-size: 0.78rem; color: #999; }
    .loan-amount-tag {
      position: absolute;
      top: 1.2rem; right: 1.2rem;
      background: var(--navy);
      color: var(--gold);
      font-size: 0.75rem;
      font-weight: 700;
      padding: 0.2rem 0.7rem;
      border-radius: 50px;
    }

    /* ─── ELIGIBILITY REQUIREMENTS ─── */
    .eligibility-section { padding: 6rem 0; background: var(--navy); }
    .eligibility-section .section-title { color: var(--white); }
    .eligibility-section .section-desc { color: rgba(255,255,255,0.6); }
    .eligibility-photo {
      border-color: rgba(255,255,255,0.14);
      box-shadow: 0 18px 42px rgba(0,0,0,0.24);
    }
    .req-item {
      display: flex;
      align-items: flex-start;
      gap: 1rem;
      padding: 1.2rem 0;
      border-bottom: 1px solid rgba(255,255,255,0.06);
    }
    .req-item:last-child { border-bottom: none; }
    .req-check {
      width: 28px; height: 28px; flex-shrink: 0;
      background: rgba(29,185,84,0.15);
      border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
      color: var(--green-cta);
      font-size: 0.9rem;
    }
    .req-item h6 { color: var(--white); font-size: 0.95rem; margin-bottom: 0.2rem; }
    .req-item p { color: rgba(255,255,255,0.5); font-size: 0.83rem; margin: 0; }
    .disclaimer-box {
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(255,255,255,0.08);
      border-radius: 8px;
      padding: 1.5rem;
      margin-top: 2rem;
      font-size: 0.8rem;
      color: rgba(255,255,255,0.4);
      line-height: 1.6;
    }

    /* ─── FAQ ─── */
    .faq-section { padding: 6rem 0; background: var(--white); }
    .accordion-button {
      font-family: 'DM Sans', sans-serif;
      font-weight: 600;
      color: var(--navy);
      background: var(--white);
      font-size: 0.95rem;
    }
    .accordion-button:not(.collapsed) {
      background: var(--cream);
      color: var(--navy);
      box-shadow: none;
    }
    .accordion-button:focus { box-shadow: none; border-color: var(--border-subtle); }
    .accordion-body { font-size: 0.9rem; color: #5A6A7A; line-height: 1.75; }
    .accordion-item { border: 1px solid var(--sky-border); border-radius: 8px !important; margin-bottom: 0.7rem; overflow: hidden; }

    /* ─── CTA SECTION ─── */
    .cta-section {
      background: var(--gold);
      padding: 5rem 0;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    .cta-section::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(10,22,40,0.07) 1px, transparent 1px),
        linear-gradient(90deg, rgba(10,22,40,0.07) 1px, transparent 1px);
      background-size: 40px 40px;
    }
    .cta-section h2 {
      font-size: clamp(2rem, 5vw, 3.5rem);
      font-weight: 900;
      color: var(--navy);
      margin-bottom: 1rem;
      position: relative;
    }
    .cta-section p { color: rgba(10,22,40,0.7); font-size: 1.1rem; margin-bottom: 2rem; position: relative; }
    .btn-cta-dark {
      background: var(--navy);
      color: var(--gold);
      font-weight: 700;
      font-size: 1.05rem;
      padding: 1rem 2.5rem;
      border: none;
      border-radius: 8px;
      cursor: pointer;
      transition: all 0.2s;
      display: inline-flex;
      align-items: center;
      gap: 10px;
      text-decoration: none;
      position: relative;
    }
    .btn-cta-dark:hover {
      background: #0e1e3a;
      color: var(--gold-light);
      transform: translateY(-2px);
      box-shadow: 0 12px 32px rgba(10,22,40,0.3);
    }
    .urgency-note {
      font-size: 0.82rem;
      color: rgba(10,22,40,0.55);
      margin-top: 1rem;
      position: relative;
    }
    .urgency-dot {
      width: 8px; height: 8px;
      background: var(--red-urgency);
      border-radius: 50%;
      display: inline-block;
      margin-right: 5px;
      animation: pulse 1.5s infinite;
    }
    @keyframes pulse {
      0%, 100% { opacity: 1; transform: scale(1); }
      50% { opacity: 0.5; transform: scale(1.4); }
    }

    /* ─── FOOTER ─── */
    footer {
      background: #050D1A;
      padding: 4rem 0 2rem;
      color: rgba(255,255,255,0.5);
      font-size: 0.85rem;
    }
    .footer-brand {
      font-family: 'Playfair Display', serif;
      font-size: 1.6rem;
      font-weight: 900;
      color: var(--white);
      margin-bottom: 0.8rem;
    }
    .footer-brand span { color: var(--gold); }
    .footer-desc { line-height: 1.65; max-width: 280px; font-weight: 300; }
    footer h6 {
      font-family: 'DM Sans', sans-serif;
      font-size: 0.82rem;
      font-weight: 700;
      letter-spacing: 1px;
      text-transform: uppercase;
      color: rgba(255,255,255,0.7);
      margin-bottom: 1rem;
    }
    footer ul { list-style: none; padding: 0; }
    footer ul li { margin-bottom: 0.55rem; }
    footer ul li a {
      color: rgba(255,255,255,0.45);
      text-decoration: none;
      transition: color 0.2s;
    }
    footer ul li a:hover { color: var(--gold); }
    .footer-divider { border-color: rgba(255,255,255,0.06); margin: 2rem 0 1.5rem; }
    .footer-legal { font-size: 0.75rem; color: rgba(255,255,255,0.25); line-height: 1.6; }
    .footer-badges {
      display: flex;
      gap: 0.8rem;
      flex-wrap: wrap;
      margin-top: 1rem;
    }
    .footer-badge {
      background: rgba(255,255,255,0.05);
      border: 1px solid rgba(255,255,255,0.08);
      border-radius: 6px;
      padding: 0.3rem 0.7rem;
      font-size: 0.75rem;
      color: rgba(255,255,255,0.4);
      display: flex;
      align-items: center;
      gap: 5px;
    }
    .social-links { display: flex; gap: 0.8rem; margin-top: 1rem; }
    .social-link {
      width: 36px; height: 36px;
      background: rgba(255,255,255,0.06);
      border-radius: 8px;
      display: flex; align-items: center; justify-content: center;
      color: rgba(255,255,255,0.4);
      text-decoration: none;
      transition: all 0.2s;
      font-size: 1rem;
    }
    .social-link:hover { background: var(--gold); color: var(--navy); }

    /* ─── STICKY APPLY BAR (Mobile) ─── */
    .sticky-apply {
      display: none;
      position: fixed;
      bottom: 0; left: 0; right: 0;
      background: var(--navy);
      border-top: 2px solid var(--gold);
      padding: 0.8rem 1.5rem;
      z-index: 999;
      align-items: center;
      justify-content: space-between;
      gap: 1rem;
    }
    @media (max-width: 991.98px) {
      .hero,
      .hero-slider,
      .hero-slider .carousel-inner,
      .hero-slide {
        min-height: auto;
      }
      .hero-slide {
        min-height: auto;
      }
      .hero-slide::before {
        background: linear-gradient(180deg, rgba(8,32,51,0.92) 0%, rgba(8,32,51,0.78) 100%);
      }
      .hero-slide-content {
        min-height: auto;
        padding: 4.5rem 0 5rem;
      }
      .hero-copy-col {
        padding-right: 0;
      }
      .hero-calculator-wrap {
        position: relative;
        inset: auto;
        background: var(--navy);
        padding: 1.25rem 0 3.5rem;
        margin-top: 0;
      }
      .hero-calculator-wrap .container,
      .hero-calculator-wrap .row {
        min-height: 0;
      }
      .hero-calculator-wrap .row {
        height: auto !important;
      }
      .hero-calc-col {
        justify-content: center;
      }
      .hero-calculator-wrap .calc-card {
        width: min(100%, 520px);
      }
      .hero-indicators {
        left: 1rem;
        bottom: 1rem;
      }
      .hero-control {
        display: none;
      }
      .product-story-grid {
        grid-template-columns: 1fr;
      }
    }
    @media (max-width: 768px) {
      .sticky-apply { display: flex; }
      .hero { min-height: auto; }
      .hero h1 {
        font-size: clamp(2.35rem, 12vw, 3.35rem);
      }
      .hero-cta-group {
        align-items: stretch;
      }
      .hero-cta-group a {
        justify-content: center;
        width: 100%;
      }
      .hero-stats {
        gap: 1rem;
      }
      .hero-stat-item {
        min-width: calc(50% - 0.5rem);
      }
      .broker-photo figcaption,
      .why-photo figcaption {
        position: static;
        border-radius: 0;
      }
    }
    .sticky-apply-text { font-size: 0.88rem; color: white; font-weight: 500; }
    .sticky-apply-text strong { color: var(--gold); }
    .btn-sticky {
      background: var(--gold);
      color: var(--navy);
      font-weight: 700;
      font-size: 0.9rem;
      padding: 0.6rem 1.4rem;
      border: none;
      border-radius: 8px;
      cursor: pointer;
      flex-shrink: 0;
      text-decoration: none;
    }

    /* ─── ANIMATIONS ─── */
    .fade-up {
      opacity: 0;
      transform: translateY(30px);
      transition: opacity 0.6s ease, transform 0.6s ease;
    }
    .fade-up.visible { opacity: 1; transform: translateY(0); }

    /* ─── GENERAL UTILS ─── */
    .text-gold { color: var(--gold) !important; }
    .bg-cream { background: var(--cream); }
    section { padding: 6rem 0; }

    .products-grid { margin-top: 1rem; }
    .product-features {
      list-style: none;
      padding: 0;
      margin: 1rem 0 0;
      display: grid;
      gap: 0.65rem;
    }
    .product-features li {
      font-size: 0.82rem;
      color: rgba(255,255,255,0.65);
      position: relative;
      padding-left: 1.4rem;
    }
    .product-features li::before {
      content: "\2022";
      position: absolute;
      left: 0;
      top: 0;
      color: var(--gold);
      font-size: 1rem;
      line-height: 1;
    }
    .products-section { padding-top: 6rem; padding-bottom: 6rem; }
    .product-link { display: inline-flex; align-items: center; justify-content: flex-start; }

    /* ─── RICH LOAN DETAIL SECTIONS ─── */
    .loan-detail-card-alt {
      background: var(--white);
      border-radius: 16px;
      padding: 1.75rem;
      border: 1px solid rgba(15,53,82,0.08);
      box-shadow: 0 22px 54px rgba(8,32,51,0.06);
      height: 100%;
    }
    .loan-detail-card-alt h4 {
      color: var(--navy);
      font-size: 1.1rem;
      margin-bottom: 1.2rem;
      font-weight: 700;
    }
    .loan-detail-list {
      list-style: none;
      margin: 0;
      padding: 0;
      display: grid;
      gap: 0.8rem;
    }
    .loan-detail-list li {
      position: relative;
      padding-left: 1.35rem;
      color: #4D5D72;
      line-height: 1.8;
      font-size: 0.92rem;
    }
    .loan-detail-list li::before {
      content: '\2022';
      position: absolute;
      left: 0;
      top: 0.15rem;
      color: var(--gold);
      font-size: 1rem;
      font-weight: 700;
    }
    .loan-section-image {
      width: 100%;
      min-height: 280px;
      background-size: cover;
      background-position: center;
      border-radius: 18px;
      box-shadow: 0 12px 40px rgba(8,32,51,0.15);
    }
    .loan-detail-section {
      margin-top: 2.5rem;
      padding: 0;
    }
    .loan-detail-section h3 {
      color: var(--navy);
      font-size: 1.35rem;
      margin-bottom: 1.2rem;
      font-weight: 700;
    }
    .loan-scenario-card {
      background: var(--cream);
      border-radius: 16px;
      padding: 1.75rem;
      border: 1px solid var(--sky-border);
      height: 100%;
      transition: all 0.25s;
    }
    .loan-scenario-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 12px 40px rgba(8,32,51,0.12);
      background: var(--white);
    }
    .loan-scenario-card h4 {
      color: var(--navy);
      font-size: 1.1rem;
      margin-bottom: 0.8rem;
      font-weight: 700;
    }
    .loan-scenario-card p {
      color: #5F7483;
      font-size: 0.95rem;
      line-height: 1.7;
      margin: 0;
    }
    .sticky-top {
      position: sticky;
    }
    .faq-section .accordion-item {
      border: 1px solid var(--sky-border);
      border-radius: 12px !important;
      margin-bottom: 0.8rem;
      overflow: hidden;
      background: var(--white);
    }
    .faq-section .accordion-button {
      color: var(--navy);
      font-weight: 600;
      font-size: 0.95rem;
      padding: 1.1rem 1.4rem;
      background: transparent;
      border: none;
    }
    .faq-section .accordion-button:not(.collapsed) {
      background: var(--cream);
      color: var(--navy);
      box-shadow: none;
    }
    .faq-section .accordion-button:focus {
      box-shadow: none;
      border-color: transparent;
    }
    .faq-section .accordion-body {
      padding: 1.2rem 1.4rem;
      font-size: 0.92rem;
      color: #5A6A7A;
      line-height: 1.75;
      background: var(--white);
    }

    /* ─── SINGLE-LOAN FAQ (on navy background) ─── */
    .products-section .loan-detail-section.faq-section {
      background: transparent;
      padding: 0;
    }
    .products-section .loan-detail-section.faq-section .section-eyebrow {
      color: rgba(255,255,255,0.72);
    }
    .products-section .loan-detail-section.faq-section .section-title {
      color: var(--white);
    }
    .products-section .loan-detail-section.faq-section .accordion-item {
      background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.12);
      border-radius: 12px !important;
      margin-bottom: 0.8rem;
      overflow: hidden;
    }
    .products-section .loan-detail-section.faq-section .accordion-button {
      color: var(--white);
      background: transparent;
      padding: 1.1rem 1.4rem;
    }
    .products-section .loan-detail-section.faq-section .accordion-button:not(.collapsed) {
      color: var(--white);
      background: rgba(255,255,255,0.08);
    }
    .products-section .loan-detail-section.faq-section .accordion-button::after {
      filter: brightness(0) invert(1);
      opacity: 0.9;
    }
    .products-section .loan-detail-section.faq-section .accordion-body {
      background: transparent;
      color: rgba(255,255,255,0.78);
    }


/* TEAM SECTION */
.team-section {
  background: var(--cream);
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}

.team-card {
  background: var(--white);
  border-radius: 18px;
  overflow: hidden;
  border: 1px solid var(--sky-border);
  transition: all 0.35s ease;
  box-shadow: 0 12px 30px rgba(8,32,51,0.08);
  height: 100%;
}

.team-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 60px rgba(8,32,51,0.16);
}

.team-image-wrap {
  position: relative;
  overflow: hidden;
  height: 420px;
}

.team-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.team-card:hover img {
  transform: scale(1.08);
}

.team-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(8,32,51,0.15) 0%,
    rgba(8,32,51,0.92) 100%
  );
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 2rem;
  opacity: 0;
  transition: all 0.35s ease;
}

.team-card:hover .team-overlay {
  opacity: 1;
}

.team-overlay p {
  color: rgba(255,255,255,0.82);
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: 1.2rem;
}

.team-socials {
  display: flex;
  gap: 0.7rem;
}

.team-socials a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  color: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  transition: all 0.25s ease;
  backdrop-filter: blur(10px);
}

.team-socials a:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-3px);
}

.team-content {
  padding: 1.5rem;
  text-align: center;
}

.team-content h4 {
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
  font-weight: 700;
}

.team-content span {
  color: var(--gold);
  font-size: 0.88rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* Animation */
.fade-up {
  opacity: 0;
  transform: translateY(40px);
  transition: all 0.8s ease;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* MOBILE */
@media (max-width: 768px) {
  .team-image-wrap {
    height: 360px;
  }

  .team-overlay {
    opacity: 1;
    background: linear-gradient(
      180deg,
      rgba(8,32,51,0.05) 0%,
      rgba(8,32,51,0.82) 100%
    );
  }
}
    
.about-hero {
  background: var(--navy);
  padding: 7rem 0;
  position: relative;
  overflow: hidden;
}

.about-hero h1 {
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
}

.about-hero h1 span {
  color: var(--gold);
}

.about-hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  line-height: 1.8;
  max-width: 750px;
}

.about-badge {
  display: inline-flex;
  padding: .4rem 1rem;
  border-radius: 50px;
  background: rgba(42,175,234,0.16);
  border: 1px solid rgba(42,175,234,0.36);
  color: var(--gold);
  font-size: .8rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
}
.about-story {
  background: var(--white);
  padding: 6rem 0;
}

.about-card {
  background: var(--cream);
  border: 1px solid var(--sky-border);
  border-radius: 16px;
  padding: 3rem;
}

.about-card h3 {
  color: var(--navy);
  font-size: 2rem;
  margin-bottom: 1.5rem;
}

.about-card p {
  color: #5F7483;
  line-height: 1.9;
}
.about-values {
  background: var(--cream);
  padding: 6rem 0;
}

.value-card {
  background: var(--white);
  border: 1px solid var(--sky-border);
  border-radius: 16px;
  padding: 2.2rem;
  transition: .3s ease;
  height: 100%;
}

.value-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(8,32,51,0.08);
}

.value-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--sky-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 1rem;
}
.about-timeline {
  background: var(--white);
  padding: 6rem 0;
}

.timeline {
  position: relative;
  max-width: 900px;
  margin: auto;
}

.timeline::before {
  content: "";
  position: absolute;
  left: 50%;
  width: 2px;
  background: var(--sky-border);
  top: 0;
  bottom: 0;
}

.timeline-item {
  width: 50%;
  padding: 2rem;
  position: relative;
}

.timeline-item:nth-child(odd) {
  left: 0;
  text-align: right;
}

.timeline-item:nth-child(even) {
  left: 50%;
}

.timeline-content {
  background: var(--cream);
  border: 1px solid var(--sky-border);
  border-radius: 16px;
  padding: 2rem;
  transition: .3s ease;
}

.timeline-content:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 45px rgba(8,32,51,0.08);
}

.timeline-year {
  color: var(--gold);
  font-weight: 800;
  margin-bottom: .5rem;
}
@media (max-width: 991px) {
  .timeline::before {
    left: 10px;
  }

  .timeline-item {
    width: 100%;
    left: 0 !important;
    text-align: left !important;
    padding-left: 2.5rem;
  }
}