/* =========================================================
   LoanDidi™ — Design System
   Warm, dignified, trustworthy fintech for Bharat
   ========================================================= */

:root {
  /* Brand palette */
  --orange-900: #8a4410;
  --orange-700: #b85a14;
  --orange-600: #d4691a;     /* primary brand */
  --orange-500: #e8801f;
  --orange-300: #f5b574;
  --orange-100: #fde8d2;
  --orange-50:  #fdf6ee;

  --navy-900: #0f1c2e;       /* primary text */
  --navy-700: #1f3147;
  --navy-500: #3d5169;
  --navy-300: #7a8aa0;

  --cream:    #fbf6ef;       /* primary background */
  --cream-2:  #f5ede0;
  --paper:    #ffffff;
  --line:     #e8dfce;
  --line-soft:#f0e6d3;

  --green-600:#0e8a5f;
  --green-100:#dff5ea;
  --red-600:  #c93b3b;
  --gold:     #d4a14a;

  --shadow-sm: 0 2px 6px rgba(15,28,46,0.06);
  --shadow-md: 0 8px 24px rgba(15,28,46,0.08);
  --shadow-lg: 0 24px 60px rgba(15,28,46,0.12);

  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 22px;
  --radius-xl: 32px;

  --font-display: 'Fraunces', 'Georgia', serif;
  --font-body:    'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-hindi:   'Tiro Devanagari Hindi', 'Plus Jakarta Sans', serif;

  --container: 1180px;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  color: var(--navy-900);
  background: var(--cream);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: inherit; }

/* Typography */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--navy-900);
}
h1 { font-size: clamp(2.4rem, 5.2vw, 4.2rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-family: var(--font-body); font-weight: 700; letter-spacing: -0.01em; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange-700);
  background: var(--orange-100);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.eyebrow.dark { background: rgba(255,255,255,0.12); color: var(--orange-300); }

.kicker { font-family: var(--font-display); font-style: italic; color: var(--orange-600); }

/* Layout */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
section { padding: 88px 0; position: relative; }
@media (max-width: 720px) { section { padding: 64px 0; } }

/* ==================== NAVBAR ==================== */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(251, 246, 239, 0.85);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px;
  max-width: var(--container); margin: 0 auto;
}
.brand {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 600;
  color: var(--navy-900);
}
.brand-mark {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--orange-600);
  display: flex; align-items: center; justify-content: center;
  color: var(--paper); font-weight: 700; font-family: var(--font-body);
  font-size: 1.05rem;
  box-shadow: 0 4px 10px rgba(212, 105, 26, 0.35);
}
.brand sup { font-size: 0.55em; color: var(--orange-600); font-family: var(--font-body); margin-left: 2px; }
.nav-links { display: flex; gap: 30px; align-items: center; }
.nav-links a {
  font-size: 0.94rem; color: var(--navy-700); font-weight: 500;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--orange-600); }
.nav-cta { display: flex; gap: 10px; align-items: center; }

/* Mobile nav */
.menu-toggle {
  display: none;
  width: 40px; height: 40px; border-radius: 8px;
  background: var(--paper); border: 1px solid var(--line);
  align-items: center; justify-content: center;
}
.menu-toggle svg { width: 22px; height: 22px; stroke: var(--navy-900); }

@media (max-width: 960px) {
  .nav-links, .nav-cta .btn-secondary { display: none; }
  .menu-toggle { display: flex; }
}

.mobile-menu {
  display: none;
  position: fixed; top: 70px; left: 0; right: 0;
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 24px;
  box-shadow: var(--shadow-md);
  z-index: 49;
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block; padding: 14px 0;
  border-bottom: 1px solid var(--line-soft);
  font-weight: 500; color: var(--navy-700);
}
.mobile-menu .btn { margin-top: 18px; width: 100%; justify-content: center; }

/* ==================== BUTTONS ==================== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.005em;
  transition: all 0.22s ease;
  white-space: nowrap;
  text-decoration: none;
  border: 1.5px solid transparent;
}
.btn-primary {
  background: var(--orange-600);
  color: var(--paper);
  box-shadow: 0 6px 18px rgba(212, 105, 26, 0.35), inset 0 1px 0 rgba(255,255,255,0.18);
}
.btn-primary:hover {
  background: var(--orange-700);
  transform: translateY(-1px);
  box-shadow: 0 10px 24px rgba(212, 105, 26, 0.42), inset 0 1px 0 rgba(255,255,255,0.18);
}
.btn-secondary {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--navy-900);
}
.btn-secondary:hover { background: var(--navy-900); color: var(--paper); }

.btn-ghost {
  color: var(--orange-700); background: var(--orange-50);
}
.btn-ghost:hover { background: var(--orange-100); }

.btn-light {
  background: var(--paper); color: var(--navy-900);
  border-color: var(--line);
}
.btn-light:hover { border-color: var(--navy-900); }

.btn-lg { padding: 16px 30px; font-size: 1rem; }

/* ==================== TOP UTILITY BAR ==================== */
.top-bar {
  background: var(--navy-900);
  color: var(--cream);
  font-size: 0.83rem;
  padding: 9px 0;
  text-align: center;
}
.top-bar a {
  color: var(--orange-300);
  font-weight: 600;
  border-bottom: 1px dashed var(--orange-300);
  padding-bottom: 1px;
}
.top-bar a:hover { color: var(--paper); border-bottom-color: var(--paper); }
.top-bar-inner {
  display: flex; gap: 22px; justify-content: center; align-items: center;
  flex-wrap: wrap;
  max-width: var(--container); margin: 0 auto; padding: 0 24px;
}
.top-bar-item { display: inline-flex; align-items: center; gap: 6px; }
.top-bar svg { width: 14px; height: 14px; }

/* ==================== HERO ==================== */
.hero {
  position: relative;
  padding: 60px 0 100px;
  overflow: hidden;
  background:
    radial-gradient(ellipse at top right, var(--orange-100) 0%, transparent 50%),
    radial-gradient(ellipse at bottom left, #fde8c8 0%, transparent 55%),
    var(--cream);
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(15,28,46,0.06) 1px, transparent 0);
  background-size: 28px 28px;
  opacity: 0.5;
  pointer-events: none;
  mask-image: linear-gradient(180deg, transparent, black 30%, black 70%, transparent);
  -webkit-mask-image: linear-gradient(180deg, transparent, black 30%, black 70%, transparent);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
}
.hero h1 {
  margin-bottom: 22px;
}
.hero h1 .accent {
  color: var(--orange-600);
  font-style: italic;
  position: relative;
}
.hero h1 .accent::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 4px; height: 8px;
  background: var(--orange-100);
  z-index: -1;
  border-radius: 4px;
}
.hero-sub {
  font-size: 1.15rem; color: var(--navy-700);
  max-width: 540px; margin-bottom: 30px;
}
.hero-trust {
  display: flex; align-items: center; gap: 24px; margin-top: 32px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.9rem; color: var(--navy-700); font-weight: 500;
}
.hero-trust-item svg { width: 18px; height: 18px; color: var(--green-600); }

/* Hero quick form */
.hero-form-card {
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line-soft);
  position: relative;
}
.hero-form-card::before {
  content: '';
  position: absolute;
  inset: -8px;
  border-radius: calc(var(--radius-lg) + 8px);
  background: linear-gradient(135deg, var(--orange-300), transparent 40%, var(--orange-300));
  z-index: -1; opacity: 0.4;
  filter: blur(12px);
}
.hero-form-title {
  font-family: var(--font-display);
  font-size: 1.4rem; font-weight: 600; line-height: 1.2;
  margin-bottom: 6px;
}
.hero-form-subtitle {
  color: var(--navy-500); font-size: 0.92rem; margin-bottom: 22px;
}

/* Hero mascot inset */
.hero-mascot-wrap {
  position: relative;
  display: flex; align-items: center; justify-content: center;
}
.hero-mascot-frame {
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  background: linear-gradient(180deg, #d8ecf7 0%, #cfe5f3 100%);
  aspect-ratio: 4/5;
  width: 100%;
  max-width: 460px;
  box-shadow: var(--shadow-lg);
  border: 6px solid var(--paper);
}
.hero-mascot-frame img { width: 100%; height: 100%; object-fit: cover; }
.hero-badge {
  position: absolute;
  background: var(--paper);
  border-radius: 16px;
  padding: 12px 16px;
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 10px;
  font-size: 0.85rem; font-weight: 600;
  border: 1px solid var(--line-soft);
}
.hero-badge .dot {
  width: 10px; height: 10px; border-radius: 50%;
  background: var(--green-600);
  box-shadow: 0 0 0 4px var(--green-100);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px var(--green-100); }
  50% { box-shadow: 0 0 0 8px rgba(14, 138, 95, 0.18); }
}
.hero-badge.top-left { top: 24px; left: -24px; }
.hero-badge.bottom-right { bottom: 30px; right: -28px; }
.hero-badge .small { font-size: 0.7rem; color: var(--navy-500); font-weight: 500; }
@media (max-width: 600px) {
  .hero-badge.top-left { left: 8px; }
  .hero-badge.bottom-right { right: 8px; }
}

/* Form fields */
.form-group { margin-bottom: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 480px) { .form-row { grid-template-columns: 1fr; } }
.form-label {
  display: block;
  font-size: 0.82rem; font-weight: 600;
  color: var(--navy-700);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 13px 14px;
  background: var(--cream);
  border: 1.5px solid var(--line);
  border-radius: 12px;
  color: var(--navy-900);
  transition: all 0.18s;
  font-size: 0.95rem;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--orange-600);
  background: var(--paper);
  box-shadow: 0 0 0 4px rgba(212, 105, 26, 0.12);
}
.form-input::placeholder { color: var(--navy-300); }
.phone-input {
  display: flex; align-items: stretch;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  background: var(--cream);
  overflow: hidden;
  transition: all 0.18s;
}
.phone-input:focus-within {
  border-color: var(--orange-600);
  background: var(--paper);
  box-shadow: 0 0 0 4px rgba(212, 105, 26, 0.12);
}
.phone-prefix {
  padding: 13px 14px;
  background: var(--cream-2);
  font-weight: 600; color: var(--navy-700);
  border-right: 1px solid var(--line);
  display: flex; align-items: center; gap: 6px;
}
.phone-input input { border: none; background: transparent; flex: 1; padding: 13px 14px; }
.phone-input input:focus { outline: none; box-shadow: none; }

.form-helper {
  display: flex; align-items: flex-start; gap: 8px;
  font-size: 0.8rem; color: var(--navy-500);
  margin-top: 14px; line-height: 1.5;
}
.form-helper svg { flex-shrink: 0; width: 14px; height: 14px; margin-top: 2px; color: var(--green-600); }

/* ==================== STATS STRIP ==================== */
.stats-strip {
  background: var(--navy-900);
  padding: 36px 0;
  color: var(--cream);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
@media (max-width: 760px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
}
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.6vw, 2.5rem);
  font-weight: 500;
  color: var(--orange-300);
  margin-bottom: 4px;
}
.stat-label {
  font-size: 0.85rem; color: rgba(251, 246, 239, 0.7);
  letter-spacing: 0.02em;
}

/* ==================== SECTION HEADERS ==================== */
.section-head { max-width: 760px; margin: 0 auto 56px; text-align: center; }
.section-head.left { text-align: left; margin-left: 0; }
.section-head h2 .accent { color: var(--orange-600); font-style: italic; }
.section-sub { font-size: 1.08rem; color: var(--navy-500); margin-top: 14px; }

/* ==================== PROBLEM SECTION ==================== */
.problem {
  background: var(--cream);
  position: relative;
}
.problem-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 32px;
}
@media (max-width: 720px) { .problem-grid { grid-template-columns: 1fr; } }
.problem-card {
  background: var(--paper);
  padding: 28px;
  border-radius: var(--radius);
  border: 1px solid var(--line-soft);
  display: flex; gap: 18px; align-items: flex-start;
  transition: transform 0.2s, box-shadow 0.2s;
}
.problem-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.problem-icon {
  flex-shrink: 0;
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--orange-100);
  display: flex; align-items: center; justify-content: center;
  color: var(--orange-700);
}
.problem-icon svg { width: 26px; height: 26px; }
.problem-card h4 { margin-bottom: 6px; font-family: var(--font-display); font-size: 1.18rem; font-weight: 600; }
.problem-card p { font-size: 0.94rem; color: var(--navy-500); }

.problem-quote {
  margin-top: 56px;
  text-align: center;
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(1.3rem, 2.8vw, 1.9rem);
  color: var(--navy-700);
  max-width: 820px; margin-left: auto; margin-right: auto;
  line-height: 1.4;
  position: relative;
  padding: 30px 40px;
}
.problem-quote::before, .problem-quote::after {
  content: '"';
  position: absolute;
  font-family: var(--font-display);
  font-size: 5rem;
  color: var(--orange-300);
  line-height: 1;
}
.problem-quote::before { top: -10px; left: 0; }
.problem-quote::after { bottom: -40px; right: 0; }

/* ==================== SOLUTION ==================== */
.solution {
  background: var(--paper);
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
}
.solution-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 900px) { .solution-grid { grid-template-columns: 1fr; gap: 40px; } }

.solution-steps { display: flex; flex-direction: column; gap: 18px; }
.step {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 18px;
  border-radius: var(--radius);
  border: 1px solid var(--line-soft);
  background: var(--cream);
  position: relative;
}
.step-num {
  flex-shrink: 0;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--paper);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 600;
  font-size: 1.1rem;
}
.step h4 { margin-bottom: 4px; font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; }
.step p { font-size: 0.92rem; color: var(--navy-500); }

.solution-visual {
  background: linear-gradient(135deg, var(--orange-50), var(--cream-2));
  border-radius: var(--radius-xl);
  padding: 30px;
  position: relative;
  overflow: hidden;
}

/* ==================== FEATURES ==================== */
.features { background: var(--cream); }
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 900px) { .features-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .features-grid { grid-template-columns: 1fr; } }
.feature-card {
  background: var(--paper);
  padding: 30px 26px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line-soft);
  transition: all 0.22s;
  position: relative;
  overflow: hidden;
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--orange-300);
}
.feature-card::after {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 110px; height: 110px;
  background: var(--orange-50);
  border-radius: 50%;
  z-index: 0;
  transition: transform 0.3s;
}
.feature-card:hover::after { transform: scale(1.4); }
.feature-card > * { position: relative; z-index: 1; }
.feature-icon {
  width: 48px; height: 48px;
  background: var(--orange-600);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--paper);
  margin-bottom: 18px;
  box-shadow: 0 6px 14px rgba(212, 105, 26, 0.3);
}
.feature-icon svg { width: 24px; height: 24px; }
.feature-card h4 {
  font-family: var(--font-display); font-size: 1.2rem; font-weight: 600;
  margin-bottom: 8px;
}
.feature-card p { color: var(--navy-500); font-size: 0.94rem; }

/* ==================== CALCULATOR ==================== */
.calc-section {
  background: linear-gradient(160deg, var(--navy-900) 0%, #142539 100%);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}
.calc-section::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 90% 10%, rgba(212, 105, 26, 0.18), transparent 50%),
    radial-gradient(circle at 10% 90%, rgba(212, 105, 26, 0.12), transparent 50%);
  pointer-events: none;
}
.calc-section .container { position: relative; z-index: 1; }
.calc-section .section-head h2 { color: var(--cream); }
.calc-section .section-sub { color: rgba(251, 246, 239, 0.75); }
.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: stretch;
}
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }

.calc-card {
  background: var(--paper);
  color: var(--navy-900);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}
.calc-row { margin-bottom: 28px; }
.calc-row-head {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 12px;
}
.calc-row-label { font-size: 0.92rem; font-weight: 600; color: var(--navy-700); }
.calc-row-value {
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 600;
  color: var(--orange-700);
}
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--orange-100);
  border-radius: 999px;
  outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px; height: 24px;
  background: var(--orange-600);
  border-radius: 50%;
  cursor: pointer;
  border: 4px solid var(--paper);
  box-shadow: 0 3px 8px rgba(212, 105, 26, 0.4);
  transition: transform 0.15s;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.1); }
.calc-slider::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--orange-600);
  border-radius: 50%;
  cursor: pointer;
  border: 4px solid var(--paper);
  box-shadow: 0 3px 8px rgba(212, 105, 26, 0.4);
}
.calc-marks {
  display: flex; justify-content: space-between;
  font-size: 0.75rem; color: var(--navy-500);
  margin-top: 8px;
}

.calc-result {
  background: linear-gradient(160deg, var(--orange-50), var(--cream));
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex; flex-direction: column; justify-content: center;
  border: 1px solid var(--orange-100);
  color: var(--navy-900);
}
.result-label { font-size: 0.85rem; color: var(--navy-500); font-weight: 600; letter-spacing: 0.02em; text-transform: uppercase; margin-bottom: 6px; }
.result-emi {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 4.5vw, 3.3rem); font-weight: 600;
  color: var(--navy-900);
  line-height: 1; margin-bottom: 4px;
}
.result-period { color: var(--navy-500); font-size: 0.92rem; }
.result-divider { height: 1px; background: var(--line); margin: 22px 0; }
.result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 8px 0;
  font-size: 0.93rem;
}
.result-row .key { color: var(--navy-500); }
.result-row .val { font-weight: 600; color: var(--navy-900); }
.result-row.total {
  margin-top: 6px; padding-top: 14px;
  border-top: 1.5px dashed var(--line);
  font-size: 1.05rem;
}
.result-row.total .val { color: var(--orange-700); font-family: var(--font-display); font-size: 1.3rem; }
.calc-note {
  margin-top: 20px;
  font-size: 0.78rem;
  color: var(--navy-500);
  line-height: 1.5;
}
.result-cta { margin-top: 20px; }
.result-cta .btn { width: 100%; justify-content: center; }

/* ==================== HOW IT WORKS ==================== */
.how-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
  margin-top: 40px;
  position: relative;
}
@media (max-width: 900px) { .how-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .how-grid { grid-template-columns: 1fr; } }
.how-step {
  background: var(--paper);
  padding: 24px 22px;
  border-radius: var(--radius);
  border: 1px solid var(--line-soft);
  position: relative;
}
.how-step-num {
  font-family: var(--font-display);
  font-size: 2.6rem;
  font-weight: 500;
  color: var(--orange-300);
  line-height: 1;
  margin-bottom: 12px;
}
.how-step h4 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 600; margin-bottom: 6px; }
.how-step p { font-size: 0.88rem; color: var(--navy-500); }

/* ==================== TRUST ==================== */
.trust {
  background: var(--cream-2);
  border-top: 1px solid var(--line-soft);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
@media (max-width: 900px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .trust-grid { grid-template-columns: 1fr; } }
.trust-item {
  background: var(--paper);
  padding: 26px 22px;
  border-radius: var(--radius);
  border: 1px solid var(--line-soft);
  text-align: left;
}
.trust-icon {
  width: 44px; height: 44px;
  background: var(--cream);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
  color: var(--orange-700);
}
.trust-icon svg { width: 22px; height: 22px; }
.trust-item h4 { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; margin-bottom: 4px; }
.trust-item p { font-size: 0.86rem; color: var(--navy-500); }

/* ==================== EDUCATION HUB ==================== */
.education { background: var(--paper); }
.edu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 900px) { .edu-grid { grid-template-columns: 1fr; } }
.edu-card {
  background: var(--cream);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line-soft);
  transition: all 0.22s;
  display: flex; flex-direction: column;
}
.edu-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.edu-thumb {
  aspect-ratio: 16/9;
  background: linear-gradient(135deg, var(--orange-300), var(--orange-600));
  display: flex; align-items: center; justify-content: center;
  color: var(--paper);
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 500;
  position: relative;
  overflow: hidden;
}
.edu-thumb::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 30% 30%, rgba(255,255,255,0.2), transparent 40%),
    radial-gradient(circle at 70% 70%, rgba(0,0,0,0.1), transparent 40%);
}
.edu-thumb-2 { background: linear-gradient(135deg, #1f3147, #3d5169); }
.edu-thumb-3 { background: linear-gradient(135deg, #0e8a5f, #1aab78); }
.edu-thumb span { position: relative; z-index: 1; }
.edu-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.edu-tag {
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--orange-700);
  margin-bottom: 10px;
}
.edu-card h4 {
  font-family: var(--font-display); font-size: 1.18rem; font-weight: 600;
  margin-bottom: 8px; line-height: 1.3;
}
.edu-card p { font-size: 0.92rem; color: var(--navy-500); margin-bottom: 16px; flex: 1; }
.edu-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-weight: 600; color: var(--orange-700);
  font-size: 0.92rem;
}
.edu-link::after { content: '→'; transition: transform 0.2s; }
.edu-card:hover .edu-link::after { transform: translateX(4px); }

/* ==================== APPLY (LARGE FORM) ==================== */
.apply {
  background: linear-gradient(160deg, var(--orange-50) 0%, var(--cream) 60%);
  position: relative;
}
.apply-card {
  background: var(--paper);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  border: 1px solid var(--line-soft);
}
@media (max-width: 900px) { .apply-card { grid-template-columns: 1fr; } }
.apply-side {
  background: var(--navy-900);
  color: var(--cream);
  padding: 44px 38px;
  position: relative;
  overflow: hidden;
}
.apply-side::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 30% 0%, rgba(212, 105, 26, 0.25), transparent 50%);
}
.apply-side > * { position: relative; z-index: 1; }
.apply-side h3 {
  font-family: var(--font-display); font-size: 1.9rem; font-weight: 500;
  color: var(--cream); margin-bottom: 14px; line-height: 1.2;
}
.apply-side p { color: rgba(251, 246, 239, 0.78); margin-bottom: 24px; font-size: 0.96rem; }
.apply-list { list-style: none; margin-top: 24px; }
.apply-list li {
  padding: 10px 0;
  display: flex; gap: 12px; align-items: flex-start;
  font-size: 0.94rem;
  color: rgba(251, 246, 239, 0.92);
  border-top: 1px solid rgba(251, 246, 239, 0.12);
}
.apply-list li::before {
  content: '';
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--orange-600);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E");
  background-size: 14px; background-repeat: no-repeat; background-position: center;
  margin-top: 1px;
}
.apply-form { padding: 44px 38px; }
.apply-form h3 { font-family: var(--font-display); font-size: 1.6rem; font-weight: 600; margin-bottom: 6px; }
.apply-form p.lead { color: var(--navy-500); margin-bottom: 26px; font-size: 0.94rem; }

/* ==================== FAQ ==================== */
.faq { background: var(--paper); }
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--line-soft);
  padding: 4px 0;
}
.faq-q {
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  width: 100%; text-align: left;
  padding: 22px 0;
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 500;
  color: var(--navy-900);
  cursor: pointer;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--orange-700); }
.faq-toggle {
  flex-shrink: 0;
  width: 32px; height: 32px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; font-weight: 400;
  color: var(--orange-700);
  transition: all 0.25s;
}
.faq-item.open .faq-toggle {
  background: var(--orange-600); color: var(--paper); border-color: var(--orange-600);
  transform: rotate(45deg);
}
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  color: var(--navy-500);
  font-size: 0.96rem;
  line-height: 1.7;
}
.faq-item.open .faq-a {
  max-height: 500px;
  padding-bottom: 22px;
}

/* ==================== CTA STRIP ==================== */
.cta-strip {
  background: var(--orange-600);
  color: var(--paper);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(255,255,255,0.15), transparent 50%),
    radial-gradient(circle at 20% 80%, rgba(0,0,0,0.1), transparent 50%);
}
.cta-strip .container { position: relative; z-index: 1; }
.cta-strip-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px; align-items: center;
}
@media (max-width: 760px) { .cta-strip-grid { grid-template-columns: 1fr; text-align: center; } }
.cta-strip h2 {
  color: var(--paper); margin-bottom: 10px;
  font-size: clamp(1.8rem, 3.2vw, 2.4rem);
}
.cta-strip p { color: rgba(255,255,255,0.9); font-size: 1.05rem; }
.cta-strip-actions {
  display: flex; gap: 14px; flex-wrap: wrap;
}
@media (max-width: 760px) { .cta-strip-actions { justify-content: center; } }
.cta-strip .btn-primary { background: var(--paper); color: var(--orange-700); box-shadow: var(--shadow-md); }
.cta-strip .btn-primary:hover { background: var(--navy-900); color: var(--paper); }
.cta-strip .btn-secondary { color: var(--paper); border-color: rgba(255,255,255,0.6); }
.cta-strip .btn-secondary:hover { background: rgba(255,255,255,0.15); color: var(--paper); border-color: var(--paper); }

/* ==================== FOOTER ==================== */
.footer {
  background: var(--navy-900);
  color: var(--cream);
  padding: 70px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 50px;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { margin-bottom: 20px; color: var(--paper); }
.footer-brand .brand-mark { background: var(--orange-600); }
.footer-tag { color: rgba(251, 246, 239, 0.65); font-size: 0.92rem; max-width: 320px; margin-bottom: 22px; line-height: 1.6; }
.footer-contact-item {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.88rem; color: rgba(251, 246, 239, 0.8);
  margin-bottom: 10px;
}
.footer-contact-item svg { flex-shrink: 0; width: 16px; height: 16px; margin-top: 3px; color: var(--orange-300); }
.footer h5 {
  color: var(--paper); font-family: var(--font-body);
  font-size: 0.82rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase;
  margin-bottom: 18px;
}
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 10px; }
.footer ul a { color: rgba(251, 246, 239, 0.7); font-size: 0.92rem; transition: color 0.18s; }
.footer ul a:hover { color: var(--orange-300); }
.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(251, 246, 239, 0.1);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 16px;
  font-size: 0.82rem; color: rgba(251, 246, 239, 0.55);
}
.footer-bottom a { color: rgba(251, 246, 239, 0.7); }
.footer-bottom a:hover { color: var(--orange-300); }
.footer-socials { display: flex; gap: 10px; }
.footer-socials a {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(251, 246, 239, 0.06);
  display: flex; align-items: center; justify-content: center;
  color: rgba(251, 246, 239, 0.75);
  transition: all 0.2s;
}
.footer-socials a:hover { background: var(--orange-600); color: var(--paper); }
.footer-socials svg { width: 16px; height: 16px; }

.disclaimer {
  background: rgba(0,0,0,0.25);
  margin-top: 30px;
  padding: 18px 0;
  font-size: 0.78rem;
  color: rgba(251, 246, 239, 0.55);
  line-height: 1.6;
}

/* Sticky mobile CTA */
.mobile-cta {
  display: none;
  position: fixed; bottom: 14px; left: 14px; right: 14px;
  z-index: 40;
  background: var(--orange-600); color: var(--paper);
  border-radius: 999px;
  padding: 14px 22px;
  font-weight: 600;
  text-align: center;
  box-shadow: 0 10px 24px rgba(212, 105, 26, 0.45);
  display: none;
}
@media (max-width: 720px) {
  .mobile-cta { display: block; }
  .footer { padding-bottom: 100px; }
}

/* ==================== ABOUT / CAREERS / BLOG / REFER PAGES ==================== */
.page-hero {
  padding: 70px 0 50px;
  background:
    radial-gradient(ellipse at top right, var(--orange-100) 0%, transparent 55%),
    var(--cream);
  text-align: center;
}
.page-hero .eyebrow { margin-bottom: 14px; }
.page-hero h1 { max-width: 800px; margin: 0 auto 16px; font-size: clamp(2rem, 4.5vw, 3.3rem); }
.page-hero h1 .accent { color: var(--orange-600); font-style: italic; }
.page-hero p { max-width: 640px; margin: 0 auto; color: var(--navy-500); font-size: 1.05rem; }

.about-section { padding: 70px 0; }
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 900px) { .about-grid { grid-template-columns: 1fr; gap: 36px; } }
.about-grid h2 { margin-bottom: 18px; }
.about-grid h2 .accent { color: var(--orange-600); font-style: italic; }
.about-grid p { color: var(--navy-700); margin-bottom: 14px; font-size: 1rem; line-height: 1.7; }
.about-card {
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--line-soft);
  box-shadow: var(--shadow-sm);
}
.about-stat {
  display: flex; gap: 12px; align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid var(--line-soft);
}
.about-stat:last-child { border-bottom: none; }
.about-stat .num { font-family: var(--font-display); font-size: 2rem; font-weight: 600; color: var(--orange-600); min-width: 80px; }
.about-stat .lbl { color: var(--navy-700); font-size: 0.94rem; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 40px;
}
@media (max-width: 900px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .team-grid { grid-template-columns: 1fr; } }
.team-card {
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  border: 1px solid var(--line-soft);
  text-align: center;
  transition: all 0.22s;
}
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.team-photo {
  width: 110px; height: 110px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange-300), var(--orange-600));
  margin: 0 auto 18px;
  display: flex; align-items: center; justify-content: center;
  color: var(--paper);
  font-family: var(--font-display);
  font-size: 2rem; font-weight: 600;
  border: 4px solid var(--paper);
  box-shadow: 0 6px 18px rgba(212, 105, 26, 0.25);
}
.team-name { font-family: var(--font-display); font-size: 1.18rem; font-weight: 600; margin-bottom: 4px; }
.team-role { font-size: 0.85rem; color: var(--orange-700); font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; margin-bottom: 12px; }
.team-bio { font-size: 0.86rem; color: var(--navy-500); line-height: 1.6; }

/* Refer page */
.refer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 900px) { .refer-grid { grid-template-columns: 1fr; } }
.refer-step {
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--line-soft);
  text-align: center;
  position: relative;
}
.refer-step-num {
  font-family: var(--font-display);
  font-size: 4rem; font-weight: 500;
  color: var(--orange-100);
  line-height: 1;
  margin-bottom: 8px;
}
.refer-step h4 { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; margin-bottom: 8px; }
.refer-step p { color: var(--navy-500); font-size: 0.94rem; }

/* TODO note (visible to dev only via comment, but we'll add a subtle note) */
.todo-banner {
  background: var(--orange-50);
  border: 1px dashed var(--orange-300);
  border-radius: var(--radius);
  padding: 18px 22px;
  text-align: center;
  margin: 30px auto;
  max-width: 720px;
  color: var(--orange-700);
  font-size: 0.92rem;
}

/* Career roles */
.role-list { max-width: 820px; margin: 40px auto 0; display: flex; flex-direction: column; gap: 14px; }
.role-card {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 24px 28px;
  border: 1px solid var(--line-soft);
  display: flex; justify-content: space-between; align-items: center;
  gap: 20px;
  transition: all 0.2s;
}
.role-card:hover { border-color: var(--orange-300); transform: translateX(4px); }
.role-card h4 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; margin-bottom: 4px; }
.role-card p { font-size: 0.88rem; color: var(--navy-500); }
.role-tags { display: flex; gap: 8px; margin-top: 10px; flex-wrap: wrap; }
.role-tag {
  font-size: 0.76rem; font-weight: 600;
  background: var(--cream); color: var(--navy-700);
  padding: 4px 10px; border-radius: 999px;
  border: 1px solid var(--line);
}

/* Blog list */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 900px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .blog-grid { grid-template-columns: 1fr; } }

/* Animations */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fadeUp { animation: fadeUp 0.7s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }

/* utilities */
.text-center { text-align: center; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mb-2 { margin-bottom: 16px; }
.flex { display: flex; }
.gap-2 { gap: 12px; }
.gap-3 { gap: 18px; }