:root{
  --navy:#12345A;--royal:#1769AA;--sky:#68C9E8;--emerald:#07865C;--mint:#A8E8B0;--white:#fff;--cyan:#E8FAFC;
  --text:#1d3550;--muted:#5a6f86;--border:#e1ecf3;
  --g-blue:linear-gradient(135deg,#12345A 0%,#1769AA 55%,#68C9E8 100%);
  --g-green:linear-gradient(135deg,#0b5a44 0%,#07865C 50%,#3fbf86 100%);
  --g-brand:linear-gradient(135deg,#1769AA 0%,#07865C 100%);
  --shadow-sm:0 4px 14px rgba(18,52,90,.08);--shadow:0 14px 40px rgba(18,52,90,.12);--shadow-lg:0 24px 60px rgba(18,52,90,.18);
  --r:20px;--hdr:76px;
  --f-head:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --f-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--hdr) + 8px);-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--f-body);color:var(--text);background:#fff;line-height:1.65;font-size:16px;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--f-head);color:var(--navy);line-height:1.2;margin:0 0 .5em}
p{margin:0 0 1em}
svg{width:1.15em;height:1.15em;flex-shrink:0}
.container{width:min(1200px,100% - 40px);margin-inline:auto}
.section{padding:96px 0;position:relative}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:1000}
.skip-link:focus{left:8px}
:focus-visible{outline:3px solid var(--sky);outline-offset:3px;border-radius:6px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;font-family:var(--f-head);font-weight:600;font-size:.95rem;letter-spacing:.02em;text-transform:uppercase;text-decoration:none;border:0;border-radius:999px;padding:.85em 1.5em;cursor:pointer;transition:transform .25s,box-shadow .25s,background-position .5s;min-height:46px;position:relative;overflow:hidden;white-space:nowrap}
.btn::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.35) 50%,transparent 70%);transform:translateX(-120%);transition:transform .6s}
.btn:hover::after{transform:translateX(120%)}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--g-blue);background-size:160% 160%;color:#fff;box-shadow:0 8px 22px rgba(23,105,170,.35)}
.btn-primary:hover{background-position:100% 0;box-shadow:0 12px 28px rgba(23,105,170,.45)}
.btn-green{background:var(--g-green);background-size:160% 160%;color:#fff;box-shadow:0 8px 22px rgba(7,134,92,.32)}
.btn-green:hover{background-position:100% 0}
.btn-wa{background:#1fae5b;color:#fff;box-shadow:0 8px 20px rgba(31,174,91,.3)}
.btn-outline{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-lg{padding:1em 1.8em;font-size:1rem}
.btn-sm{padding:.6em 1.15em;font-size:.82rem;min-height:42px}
.btn-block{width:100%}
.btn-icon{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:50%;background:#e9f9ef;color:#1fae5b;transition:transform .25s,background .25s}
.btn-icon:hover{transform:scale(1.08);background:#1fae5b;color:#fff}
.btn-icon svg{width:22px;height:22px}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);box-shadow:0 2px 18px rgba(18,52,90,.08);height:var(--hdr)}
.nav-wrap{display:flex;align-items:center;gap:24px;height:100%}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;margin-right:auto}
.logo{width:44px;height:44px}
.brand-text{display:flex;flex-direction:column;line-height:1.05;font-family:var(--f-head)}
.brand-text strong{font-size:1.2rem;font-weight:800;color:var(--navy);letter-spacing:.06em}
.brand-text span{font-size:.68rem;font-weight:600;letter-spacing:.32em;color:var(--emerald)}
.brand.light strong{color:#fff}.brand.light span{color:var(--mint)}
.main-nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.main-nav a:not(.btn){display:block;padding:8px 14px;font-weight:600;font-size:.95rem;color:var(--navy);text-decoration:none;border-radius:10px;position:relative;transition:color .2s}
.main-nav a:not(.btn)::after{content:"";position:absolute;left:14px;right:14px;bottom:2px;height:3px;border-radius:3px;background:var(--emerald);transform:scaleX(0);transition:transform .25s}
.main-nav a:not(.btn):hover,.main-nav a.active{color:var(--emerald)}
.main-nav a:not(.btn):hover::after,.main-nav a.active::after{transform:scaleX(1)}
.nav-call-mobile{display:none}
.hamburger{display:none;width:46px;height:46px;border:0;border-radius:12px;background:var(--cyan);cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.hamburger span{width:22px;height:2.5px;background:var(--navy);border-radius:2px;transition:transform .3s,opacity .3s}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* Hero */
.hero{position:relative;overflow:hidden;padding:72px 0 96px;background:linear-gradient(140deg,#E8FAFC 0%,#f4fbff 40%,#e9f8ef 100%)}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(23,105,170,.14) 1.5px,transparent 1.5px);background-size:26px 26px;mask-image:linear-gradient(90deg,#000 0%,transparent 60%);-webkit-mask-image:linear-gradient(90deg,#000 0%,transparent 60%)}
.hero-bg{position:absolute;inset:0;pointer-events:none}
.blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:.55}
.b1{width:420px;height:420px;background:var(--sky);top:-120px;right:8%;animation:drift 14s ease-in-out infinite}
.b2{width:360px;height:360px;background:var(--mint);bottom:-140px;left:30%;animation:drift 16s ease-in-out infinite reverse}
.b3{width:260px;height:260px;background:#bfe3ff;top:30%;left:-80px;animation:drift 18s ease-in-out infinite}
.float-ic{position:absolute;display:grid;place-items:center;width:52px;height:52px;border-radius:16px;background:#fff;box-shadow:var(--shadow-sm);color:var(--royal);animation:floaty 6s ease-in-out infinite}
.float-ic svg{width:24px;height:24px}
.f1{top:12%;left:46%}.f2{bottom:14%;left:4%;color:var(--emerald);animation-delay:-2s}.f3{top:8%;right:3%;color:var(--emerald);animation-delay:-4s}.f4{bottom:8%;right:42%;animation-delay:-1s}
.hero-grid{position:relative;display:grid;grid-template-columns:1.02fr 1fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:999px;background:#fff;box-shadow:var(--shadow-sm);font-family:var(--f-head);font-weight:600;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--emerald);margin-bottom:22px}
.hero h1{font-size:clamp(2.3rem,5.4vw,4.1rem);font-weight:800;letter-spacing:.01em;margin-bottom:.25em}
.grad-text{background:linear-gradient(90deg,#1769AA,#07865C,#1769AA);background-size:200% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:shine 6s linear infinite}
.hero-sub{font-family:var(--f-head);font-weight:700;font-size:clamp(1rem,1.9vw,1.3rem);color:var(--royal);text-transform:uppercase;letter-spacing:.04em;margin-bottom:16px}
.hero-desc{font-size:1.08rem;color:var(--muted);max-width:56ch}
.hero-cats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:26px 0 30px;max-width:540px}
.cat-chip{display:flex;align-items:center;gap:12px;padding:14px 16px;border-radius:16px;background:#fff;box-shadow:var(--shadow-sm);text-decoration:none;border:1px solid var(--border);transition:transform .25s,box-shadow .25s}
.cat-chip:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.cat-chip strong{display:block;font-family:var(--f-head);color:var(--navy);font-size:.95rem;line-height:1.25}
.cat-chip small{color:var(--muted);font-size:.78rem}
.cat-ic{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;color:#fff;flex-shrink:0}
.cat-ic svg{width:22px;height:22px}
.cat-blue .cat-ic{background:var(--g-blue)}.cat-green .cat-ic{background:var(--g-green)}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px}
.hero-art{position:relative}
.hero-img-frame{border-radius:28px;overflow:hidden;box-shadow:var(--shadow-lg);background:#fff;border:6px solid #fff;transform:perspective(1200px) rotateY(-4deg);transition:transform .6s}
.hero-img-frame:hover{transform:perspective(1200px) rotateY(0)}
.hero-img-frame img{width:100%;transition:transform 1.2s}
.hero-img-frame:hover img{transform:scale(1.04)}
.hero-badge{position:absolute;display:flex;align-items:center;gap:10px;padding:10px 16px;border-radius:14px;background:#fff;box-shadow:var(--shadow);font-family:var(--f-head);font-weight:700;color:var(--navy);font-size:.95rem;animation:floaty 5s ease-in-out infinite}
.hero-badge small{display:block;font-weight:500;font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.hero-badge svg{width:34px;height:34px;padding:8px;border-radius:10px;color:#fff;background:var(--g-blue)}
.hb1{left:-22px;bottom:-22px;text-decoration:none}
.hb2{right:-14px;top:-20px;animation-delay:-2.5s}.hb2 svg{background:#1fae5b}

/* Section heads */
.section-head{text-align:center;max-width:720px;margin:0 auto 52px}
.section-head h2,.about-copy h2,.enquiry-intro h2{font-size:clamp(1.75rem,3.6vw,2.6rem);font-weight:800}
.section-head p{font-size:1.1rem;color:var(--muted);margin:0}
.section-head.light h2{color:#fff}.section-head.light p{color:rgba(255,255,255,.88);font-family:var(--f-head);font-weight:500}
.section-tag{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:999px;background:#e5f6ee;color:var(--emerald);font-family:var(--f-head);font-weight:600;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
.tag-light{background:rgba(255,255,255,.16);color:#fff;border:1px solid rgba(255,255,255,.3)}

/* About */
.about-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:64px;align-items:center}
.about-svg{width:100%;height:auto;max-width:480px;margin:auto;display:block;filter:drop-shadow(0 20px 40px rgba(18,52,90,.12))}
.spin-slow{transform-origin:210px 190px;animation:spin 30s linear infinite}
.lead{font-size:1.12rem;color:var(--text)}
.about-copy p:not(.lead){color:var(--muted)}
.proprietor-card{display:flex;align-items:center;gap:16px;padding:18px 22px;border-radius:var(--r);background:linear-gradient(135deg,#E8FAFC,#effbf3);border:1px solid var(--border);margin:26px 0 28px;max-width:440px}
.avatar{display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--g-brand);color:#fff;font-family:var(--f-head);font-weight:700;font-size:1.1rem;flex-shrink:0}
.proprietor-card strong{display:block;font-family:var(--f-head);color:var(--navy);font-size:1.05rem;letter-spacing:.02em}
.proprietor-card span{color:var(--emerald);font-weight:600;font-size:.9rem}

/* Insurance */
.services-anchor{position:relative;top:0}
.insurance{background:var(--g-blue);color:#fff;overflow:hidden}
.insurance::before,.loans::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:48px 48px;pointer-events:none}
.insurance::after{content:"";position:absolute;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(104,201,232,.45),transparent 70%);top:-200px;right:-160px;pointer-events:none}
.ins-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.svc-card{background:#fff;color:var(--text);border-radius:24px;overflow:hidden;box-shadow:0 18px 40px rgba(6,24,48,.25);display:flex;flex-direction:column;transition:transform .35s,box-shadow .35s}
.svc-card:hover{transform:translateY(-8px);box-shadow:0 28px 60px rgba(6,24,48,.35)}
.svc-media{aspect-ratio:1/0.82;overflow:hidden;background:var(--cyan)}
.svc-media img{width:100%;height:100%;object-fit:cover;transition:transform .8s}
.svc-card:hover .svc-media img,.loan-card:hover .loan-media img{transform:scale(1.07)}
.svc-body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1;position:relative}
.svc-ic{display:grid;place-items:center;width:52px;height:52px;border-radius:16px;background:var(--g-blue);color:#fff;margin:-48px 0 14px;box-shadow:0 10px 22px rgba(23,105,170,.4);border:4px solid #fff}
.svc-ic svg{width:24px;height:24px}
.svc-ic.green{background:var(--g-green);box-shadow:0 10px 22px rgba(7,134,92,.4)}
.svc-body h3{font-size:1.25rem;margin-bottom:.4em}
.svc-body p{font-size:.93rem;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:8px}
.ticks li{position:relative;padding-left:28px;font-size:.92rem;font-weight:500;color:var(--navy)}
.ticks li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border-radius:50%;background:#e3f2fb url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 12.5 4 4L18 8' fill='none' stroke='%231769AA' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.ticks.green li::before{background-color:#e2f5ea;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 12.5 4 4L18 8' fill='none' stroke='%2307865C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.svc-actions{display:flex;align-items:center;gap:10px;margin-top:auto}
.svc-actions .btn{flex:1}
.disclaimer{text-align:center;font-size:.85rem;color:var(--muted);margin:36px auto 0;max-width:700px;position:relative;z-index:1}
.disclaimer.light{color:rgba(255,255,255,.82)}

/* Loans */
.loans{background:var(--g-green);overflow:hidden}
.loans::after{content:"";position:absolute;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(168,232,176,.45),transparent 70%);bottom:-260px;left:-180px;pointer-events:none}
.loan-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:32px}
.loan-card{display:grid;grid-template-columns:.95fr 1.05fr;background:#fff;border-radius:28px;overflow:hidden;box-shadow:0 22px 50px rgba(3,40,26,.28);transition:transform .35s,box-shadow .35s}
.loan-card:hover{transform:translateY(-8px);box-shadow:0 32px 70px rgba(3,40,26,.36)}
.loan-media{overflow:hidden;background:#eafaf0}
.loan-media img{width:100%;height:100%;object-fit:cover;transition:transform .8s}
.loan-body{padding:30px 28px;display:flex;flex-direction:column}
.loan-body .svc-ic{margin:0 0 16px;border:0}
.loan-body h3{font-size:1.5rem}
.loan-body p{color:var(--muted);font-size:.95rem}
.loan-body .btn{white-space:normal;text-align:center;line-height:1.3}

/* Why */
.why{background:linear-gradient(180deg,#fff,#f3fbfd)}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.why-card{background:#fff;border-radius:var(--r);padding:32px 26px;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:transform .3s,box-shadow .3s,border-color .3s;position:relative;overflow:hidden}
.why-card::before{content:"";position:absolute;left:0;top:0;height:4px;width:100%;background:var(--g-brand);transform:scaleX(0);transform-origin:left;transition:transform .4s}
.why-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.why-card:hover::before{transform:scaleX(1)}
.why-ic{display:grid;place-items:center;width:58px;height:58px;border-radius:18px;background:var(--cyan);color:var(--navy);margin-bottom:18px;position:relative}
.why-ic::after{content:"";position:absolute;right:-4px;bottom:-4px;width:16px;height:16px;border-radius:50%;background:var(--emerald);border:3px solid #fff}
.why-ic svg{width:26px;height:26px}
.why-card h3{font-size:1.08rem}
.why-card p{color:var(--muted);font-size:.94rem;margin:0}

/* How */
.how{background:#fff}
.timeline{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;position:relative}
.timeline::before{content:"";position:absolute;top:38px;left:12%;right:12%;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--royal),var(--sky),var(--mint),var(--emerald))}
.step{text-align:center;position:relative}
.step-ic{position:relative;display:grid;place-items:center;width:80px;height:80px;margin:0 auto 20px;border-radius:50%;background:#fff;color:var(--royal);box-shadow:0 0 0 8px #fff,var(--shadow);border:3px solid transparent;background-image:linear-gradient(#fff,#fff),var(--g-brand);background-origin:border-box;background-clip:padding-box,border-box;transition:transform .3s}
.step:hover .step-ic{transform:scale(1.08)}
.step-ic svg{width:30px;height:30px}
.step-ic b{position:absolute;top:-6px;right:-6px;width:28px;height:28px;border-radius:50%;background:var(--emerald);color:#fff;font-family:var(--f-head);font-size:.85rem;display:grid;place-items:center;border:3px solid #fff}
.step h3{font-size:1.1rem}
.step p{color:var(--muted);font-size:.94rem;margin:0}

/* Enquiry */
.enquiry{background:linear-gradient(135deg,#12345A 0%,#1769AA 45%,#07865C 100%);color:#fff;overflow:hidden}
.enquiry::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(104,201,232,.35),transparent 70%);top:-180px;left:-120px}
.enquiry-grid{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.enquiry-intro h2{color:#fff}
.enquiry-intro>p{font-size:1.1rem;color:rgba(255,255,255,.9)}
.enq-points{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.enq-points li{display:flex;gap:12px;align-items:flex-start;color:rgba(255,255,255,.92);font-size:.95rem}
.enq-points svg{width:24px;height:24px;padding:4px;border-radius:50%;background:rgba(168,232,176,.25);color:var(--mint);margin-top:1px}
.enq-points a{color:#fff;font-weight:700}
.enquiry-form{background:#fff;color:var(--text);border-radius:28px;padding:34px;box-shadow:0 30px 70px rgba(6,24,48,.35)}
.field{margin-bottom:18px;border:0;padding:0;min-width:0}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field label,.field legend{display:block;font-family:var(--f-head);font-weight:600;font-size:.88rem;color:var(--navy);margin-bottom:7px;padding:0}
.field label span,.field legend span{color:#d6453d}
input,select,textarea{width:100%;font:inherit;font-size:16px;color:var(--text);background:#f6fbfd;border:1.5px solid var(--border);border-radius:12px;padding:12px 14px;transition:border-color .2s,box-shadow .2s,background .2s}
select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6' fill='none' stroke='%2312345A' stroke-width='2.4' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;background-size:18px;padding-right:40px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--royal);background:#fff;box-shadow:0 0 0 4px rgba(104,201,232,.3)}
.phone-input{display:flex;align-items:stretch}
.phone-input span{display:grid;place-items:center;padding:0 14px;border:1.5px solid var(--border);border-right:0;border-radius:12px 0 0 12px;background:var(--cyan);font-weight:600;color:var(--navy)}
.phone-input input{border-radius:0 12px 12px 0}
.invalid input,.invalid select{border-color:#d6453d;background:#fff6f5}
.invalid .phone-input span{border-color:#d6453d}
.err{display:block;color:#c0362d;font-size:.82rem;font-weight:500;min-height:0;margin-top:5px}
.err:empty{display:none}
.radio-row{display:flex;gap:12px;flex-wrap:wrap}
.radio{flex:1;min-width:140px;cursor:pointer}
.radio input{position:absolute;opacity:0;width:1px;height:1px}
.radio span{display:flex;align-items:center;justify-content:center;gap:8px;padding:12px;border-radius:12px;border:1.5px solid var(--border);background:#f6fbfd;font-weight:600;color:var(--navy);transition:all .2s}
.radio input:checked+span{border-color:var(--emerald);background:#e9f8f0;color:var(--emerald);box-shadow:0 0 0 3px rgba(7,134,92,.15)}
.radio input:focus-visible+span{outline:3px solid var(--sky);outline-offset:2px}
.form-note{font-size:.82rem;color:var(--muted);text-align:center;margin:12px 0 0}
.form-status{margin-top:14px;border-radius:14px;font-size:.92rem}
.form-status:empty{display:none}
.form-status.ok{padding:14px 16px;background:#e9f8f0;color:#05603f;border:1px solid #bfe8cf}
.form-status.bad{padding:14px 16px;background:#fff1f0;color:#a02b23;border:1px solid #f4c7c3}
.form-status a{font-weight:700;color:inherit}

/* Contact */
.contact{background:linear-gradient(180deg,#f3fbfd,#fff)}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.contact-card{background:#fff;border-radius:24px;padding:32px 28px;border:1px solid var(--border);box-shadow:var(--shadow-sm);text-align:center;transition:transform .3s,box-shadow .3s}
.contact-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.contact-card .why-ic{margin:0 auto 16px}
.contact-card small{display:block;text-transform:uppercase;letter-spacing:.12em;font-weight:600;color:var(--emerald);font-size:.75rem;margin-bottom:6px}
.contact-card h3{font-size:1.5rem;margin-bottom:.6em}
.contact-card h3 a{text-decoration:none}
.contact-card.prop{background:var(--g-blue);border:0;color:#fff}
.contact-card.prop h3{color:#fff;font-size:1.3rem}
.contact-card.prop small{color:var(--mint)}
.contact-card.prop p{color:rgba(255,255,255,.85);margin:0}
.contact-card.prop .why-ic{background:rgba(255,255,255,.15);color:#fff}
.contact-card.prop .why-ic::after{border-color:var(--royal)}
.contact-actions{display:flex;flex-direction:column;gap:10px}

/* Footer */
.site-footer{background:#0c2540;color:rgba(255,255,255,.78);padding:72px 0 0;position:relative}
.site-footer::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--royal),var(--sky),var(--mint),var(--emerald));background-size:200% 100%;animation:shine 8s linear infinite}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:16px;position:relative;padding-bottom:10px}
.site-footer h4::after{content:"";position:absolute;left:0;bottom:0;width:32px;height:3px;border-radius:3px;background:var(--emerald)}
.site-footer h4.mt{margin-top:28px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.site-footer ul a{text-decoration:none;transition:color .2s}
.site-footer ul a:hover{color:var(--sky)}
.f-brand .brand{margin-bottom:18px}
.f-brand p{margin:0 0 8px}
.f-brand strong{color:#fff}
.f-tag{color:var(--mint);font-family:var(--f-head);font-weight:500;font-size:.9rem}
.f-btns{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap}
.f-contacts li{display:flex;align-items:center;gap:10px}
.f-contacts a{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:#fff;font-size:1.05rem}
.wa-mini{width:34px;height:34px;border-radius:50%;background:rgba(31,174,91,.18);color:#4be08a!important;justify-content:center}
.wa-mini svg{width:18px;height:18px}
.f-bottom{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);margin-top:52px;padding:22px 0;font-size:.84rem}
.f-bottom p{margin:0}

/* Mobile bar */
.mobile-bar{display:none}

/* Reveal animations */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s ease,transform .8s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0s)}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes drift{0%,100%{transform:translate(0,0)}50%{transform:translate(40px,30px)}}
@keyframes shine{to{background-position:200% center}}
@keyframes spin{to{transform:rotate(360deg)}}

/* Responsive */
@media (max-width:1100px){
  .ins-grid{grid-template-columns:repeat(2,1fr)}
  .loan-grid{grid-template-columns:1fr}
  .why-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  :root{--hdr:68px}
  .nav-call{display:none}
  .hamburger{display:flex}
  .main-nav{position:fixed;top:var(--hdr);left:0;right:0;background:#fff;box-shadow:0 20px 40px rgba(18,52,90,.15);padding:16px 20px 24px;transform:translateY(-12px);opacity:0;visibility:hidden;transition:all .3s;max-height:calc(100vh - var(--hdr));overflow:auto}
  .main-nav.open{transform:none;opacity:1;visibility:visible}
  .main-nav ul{flex-direction:column;gap:2px}
  .main-nav a:not(.btn){padding:14px 12px;font-size:1.05rem;border-bottom:1px solid var(--border);border-radius:0}
  .main-nav a:not(.btn)::after{display:none}
  .nav-call-mobile{display:flex;width:100%;margin-top:16px}
  .hero{padding:48px 0 72px}
  .hero-grid,.about-grid,.enquiry-grid{grid-template-columns:1fr;gap:44px}
  .hero-copy{text-align:center}
  .hero-desc{margin-inline:auto}
  .hero-cats{margin-inline:auto}
  .hero-cta{justify-content:center}
  .hero-img-frame{transform:none}
  .about-art{order:2}
  .section{padding:76px 0}
  .timeline{grid-template-columns:1fr;gap:0;max-width:560px;margin:0 auto}
  .timeline::before{top:20px;bottom:20px;left:38px;right:auto;width:4px;height:auto;background:linear-gradient(180deg,var(--royal),var(--sky),var(--mint),var(--emerald))}
  .step{display:flex;gap:22px;text-align:left;align-items:flex-start;padding-bottom:30px}
  .step-ic{margin:0;flex-shrink:0}
  .step>div{padding-top:12px}
  .contact-grid{grid-template-columns:1fr;max-width:520px;margin:0 auto}
  .contact-actions{flex-direction:row}.contact-actions .btn{flex:1}
}
@media (max-width:640px){
  body{padding-bottom:68px}
  .container{width:min(1200px,100% - 32px)}
  .section{padding:64px 0}
  .ins-grid,.why-grid{grid-template-columns:1fr}
  .loan-card{grid-template-columns:1fr}
  .loan-media{aspect-ratio:1/.8}
  .hero-cats{grid-template-columns:1fr}
  .hero-cta .btn{width:100%}
  .hero-badge{font-size:.82rem;padding:8px 12px}
  .hero-badge svg{width:28px;height:28px;padding:6px}
  .hb1{left:-6px;bottom:-18px}.hb2{right:-6px;top:-16px}
  .float-ic{display:none}
  .field-row{grid-template-columns:1fr;gap:0}
  .enquiry-form{padding:24px 20px;border-radius:22px}
  .contact-actions{flex-direction:column}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .f-bottom{flex-direction:column;text-align:center;margin-bottom:0}
  .brand-text strong{font-size:1.05rem}
  .logo{width:40px;height:40px}
  .mobile-bar{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;left:0;right:0;bottom:0;z-index:120;background:#fff;box-shadow:0 -6px 24px rgba(18,52,90,.15);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}
  .mobile-bar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;padding:7px 4px;border-radius:12px;text-decoration:none;font-family:var(--f-head);font-weight:600;font-size:.78rem;text-transform:uppercase;letter-spacing:.04em;color:#fff;background:var(--g-blue);min-height:50px}
  .mobile-bar a.wa{background:#1fae5b}
  .mobile-bar a:last-child{background:var(--g-green)}
  .mobile-bar svg{width:20px;height:20px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition-duration:.01ms!important}
  .reveal{opacity:1;transform:none}
}
.proprietor-card .avatar{color:#fff}

/* ===== Multi-page additions ===== */
.btn-light{background:#fff;color:var(--navy);box-shadow:0 8px 22px rgba(6,24,48,.2)}
.btn-light:hover{color:var(--royal)}
.card-link{text-decoration:none;color:inherit}
.card-link:hover{color:var(--royal)}
.loan-card .card-link:hover{color:var(--emerald)}
.more-link{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-family:var(--f-head);font-weight:600;font-size:.88rem;color:var(--royal);text-decoration:none}
.more-link svg{transition:transform .25s}
.more-link:hover svg{transform:translateX(4px)}
.more-link.green,.loan-body .more-link{color:var(--emerald)}

/* Page hero */
.page-hero{position:relative;overflow:hidden;padding:64px 0 72px;color:#fff;background:var(--g-blue);text-align:center}
.page-hero.green{background:var(--g-green)}
.page-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.14) 1.5px,transparent 1.5px);background-size:24px 24px}
.page-hero::after{content:"";position:absolute;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle,rgba(168,232,176,.35),transparent 70%);right:-140px;top:-200px}
.page-hero .container{position:relative;z-index:1}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.2rem);font-weight:800;margin:.2em 0 .3em}
.page-hero p{font-size:1.12rem;color:rgba(255,255,255,.9);max-width:640px;margin:0 auto}
.breadcrumb ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;padding:0;margin:0;font-size:.85rem;font-weight:500}
.page-hero .breadcrumb ol{justify-content:center}
.breadcrumb li{color:rgba(255,255,255,.85)}
.breadcrumb li+li::before{content:"›";margin-right:6px;opacity:.7}
.breadcrumb a{color:#fff;text-decoration:none;opacity:.85}
.breadcrumb a:hover{opacity:1;text-decoration:underline}

/* Home overview */
.overview{background:linear-gradient(180deg,#fff,#f3fbfd)}
.ov-group+.ov-group{margin-top:56px}
.ov-head{display:flex;align-items:center;gap:16px;margin-bottom:22px;flex-wrap:wrap}
.ov-head h3{margin:0;font-size:1.4rem}
.ov-head p{margin:0;color:var(--muted);font-size:.95rem}
.ov-head .more-link{margin:0 0 0 auto}
.cat-blue-bg{background:var(--g-blue)}.cat-green-bg{background:var(--g-green)}
.ov-grid{display:grid;gap:22px}
.ov-grid.four{grid-template-columns:repeat(4,1fr)}
.ov-grid.three{grid-template-columns:repeat(3,1fr)}
.ov-grid.two{grid-template-columns:repeat(2,1fr)}
.ov-grid.one{grid-template-columns:minmax(0,560px);justify-content:center}
.ov-tile{display:flex;flex-direction:column;background:#fff;border-radius:22px;overflow:hidden;text-decoration:none;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:transform .3s,box-shadow .3s;position:relative}
.ov-tile::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--g-blue);z-index:1}
.ov-tile.green::before{background:var(--g-green)}
.ov-tile:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.ov-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--cyan)}
.ov-tile.green .ov-img{background:#eafaf0}
.ov-img img{width:100%;height:100%;object-fit:cover;transition:transform .8s}
.ov-tile:hover .ov-img img{transform:scale(1.07)}
.ov-txt{display:flex;flex-direction:column;padding:0 20px 20px;flex:1}
.ov-txt .svc-ic{margin:-26px 0 12px;width:48px;height:48px}
.ov-txt strong{font-family:var(--f-head);font-size:1.12rem;color:var(--navy);margin-bottom:6px}
.ov-txt small{color:var(--muted);font-size:.88rem;line-height:1.55;margin-bottom:12px}
.ov-txt em{margin-top:auto;font-style:normal;display:inline-flex;align-items:center;gap:6px;font-family:var(--f-head);font-weight:600;font-size:.86rem;color:var(--royal)}
.ov-tile.green em{color:var(--emerald)}
.ov-grid.two .ov-tile{flex-direction:row}
.ov-grid.two .ov-img{aspect-ratio:auto;width:42%;flex-shrink:0}
.ov-grid.two .ov-txt{padding:24px}
.ov-grid.two .ov-txt .svc-ic{margin:0 0 12px}

/* CTA band */
.cta-band{padding:0 0 88px;background:transparent}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;padding:40px 44px;border-radius:28px;background:linear-gradient(120deg,#12345A 0%,#1769AA 50%,#07865C 100%);color:#fff;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.cta-inner::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(104,201,232,.4),transparent 70%);right:-80px;top:-120px}
.cta-inner>*{position:relative;z-index:1}
.cta-inner h2{color:#fff;font-size:clamp(1.3rem,2.6vw,1.8rem);margin-bottom:.25em}
.cta-inner p{margin:0;color:rgba(255,255,255,.88)}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap}
.how+.cta-band,.related+.cta-band,.why+.cta-band{background:#fff}
.contact+.enquiry{margin-top:0}

/* About categories */
.what{background:#f3fbfd}
.cat-split{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.cat-panel{display:block;padding:36px;border-radius:26px;color:#fff;text-decoration:none;box-shadow:var(--shadow);transition:transform .3s,box-shadow .3s;position:relative;overflow:hidden}
.cat-panel.blue{background:var(--g-blue)}.cat-panel.green{background:var(--g-green)}
.cat-panel:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.cat-panel .cat-ic{background:rgba(255,255,255,.18);width:56px;height:56px;margin-bottom:18px}
.cat-panel h3{color:#fff;font-size:1.5rem}
.cat-panel ul{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:8px}
.cat-panel li{padding-left:22px;position:relative}
.cat-panel li::before{content:"";position:absolute;left:0;top:.6em;width:10px;height:10px;border-radius:50%;background:var(--mint)}
.cat-panel em{font-style:normal;font-family:var(--f-head);font-weight:600;display:inline-flex;gap:6px;align-items:center}

/* Service detail */
.detail-hero{position:relative;overflow:hidden;padding:56px 0 72px;color:#fff;background:var(--g-blue)}
.detail-hero.green{background:var(--g-green)}
.detail-hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:44px 44px}
.detail-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.detail-hero .breadcrumb{margin-bottom:22px}
.detail-ic{display:grid;place-items:center;width:60px;height:60px;border-radius:18px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.3);margin-bottom:16px}
.detail-ic svg{width:28px;height:28px}
.detail-hero h1{color:#fff;font-size:clamp(2.1rem,4.8vw,3.4rem);font-weight:800}
.detail-desc{font-size:1.15rem;color:rgba(255,255,255,.92);max-width:52ch;margin-bottom:28px}
.detail-call{display:inline-flex;align-items:center;gap:8px;margin-top:20px;color:#fff;font-weight:600;text-decoration:none;opacity:.92}
.detail-call:hover{opacity:1;text-decoration:underline}
.detail-img{border-radius:28px;overflow:hidden;border:6px solid rgba(255,255,255,.9);box-shadow:0 30px 60px rgba(6,24,48,.35);max-width:460px;justify-self:center}
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feat-card{padding:32px 28px;border-radius:22px;background:#fff;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:transform .3s,box-shadow .3s}
.feat-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.feat-num{display:inline-block;font-family:var(--f-head);font-weight:800;font-size:2rem;line-height:1;background:var(--g-brand);-webkit-background-clip:text;background-clip:text;color:transparent;margin-bottom:12px}
.feat-card h3{font-size:1.15rem}
.feat-card p{color:var(--muted);margin:0;font-size:.95rem}
.prep{background:linear-gradient(135deg,#E8FAFC,#f4fbff)}
.prep.green{background:linear-gradient(135deg,#effbf3,#f6fdf8)}
.prep-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.prep h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.prep p{color:var(--muted)}
.prep-list{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px}
.prep-list li{display:flex;gap:12px;align-items:flex-start;background:#fff;padding:14px 16px;border-radius:14px;border:1px solid var(--border);font-weight:500;color:var(--navy)}
.prep-list svg{width:22px;height:22px;padding:3px;border-radius:50%;background:#e2f5ea;color:var(--emerald)}
.note-card{background:#fff;padding:32px;border-radius:24px;box-shadow:var(--shadow);border:1px solid var(--border)}
.note-card p{font-size:.93rem}
.note-card .btn{white-space:normal}
.related{background:#fff;padding-bottom:64px}
.contact-card.prop h3 a{color:#fff}

@media (max-width:1100px){
  .ov-grid.four{grid-template-columns:repeat(2,1fr)}
  .ov-grid.two{grid-template-columns:1fr}
  .feat-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .detail-grid,.prep-grid{grid-template-columns:1fr}
  .detail-hero{text-align:center}
  .detail-hero .breadcrumb ol{justify-content:center}
  .detail-ic{margin-inline:auto}
  .detail-desc{margin-inline:auto}
  .ov-grid.three{grid-template-columns:1fr 1fr}
  .cat-split{grid-template-columns:1fr}
  .cta-inner{padding:32px 26px;text-align:center;justify-content:center}
  .cta-btns{justify-content:center}
}
@media (max-width:640px){
  .ov-grid.four,.ov-grid.three,.feat-grid{grid-template-columns:1fr}
  .ov-grid.two .ov-tile{flex-direction:column}
  .ov-grid.two .ov-img{width:100%;aspect-ratio:16/10}
  .ov-head .more-link{margin-left:0}
  .page-hero{padding:48px 0 56px}
  .cta-btns .btn{width:100%}
  .cta-band{padding-bottom:64px}
  .detail-hero .hero-cta .btn{width:100%}
}

/* ===== Logo + Business Loan ===== */
.logo-img{height:50px;width:auto}
.brand.light .logo-img{background:#fff;border-radius:12px;padding:5px 7px;height:54px}
.logo-card{background:#fff;border-radius:28px;padding:28px;box-shadow:var(--shadow);border:1px solid var(--border);max-width:460px;margin:auto;position:relative}
.logo-card::before{content:"";position:absolute;inset:-14px;border-radius:36px;background:linear-gradient(135deg,rgba(104,201,232,.35),rgba(168,232,176,.35));z-index:-1}
.about-art{position:relative;z-index:0}
.loan-grid{grid-template-columns:repeat(3,1fr);gap:26px}
.loan-card{grid-template-columns:1fr}
.loan-media{aspect-ratio:1/.78}
.loan-body{padding:24px 24px 26px}
.loan-body .svc-ic{margin:-50px 0 14px;border:4px solid #fff}
.loan-body h3{font-size:1.35rem}
@media (max-width:1100px){.loan-grid{grid-template-columns:repeat(2,1fr)}.ov-grid.three{grid-template-columns:repeat(2,1fr)}}
@media (max-width:960px){.ov-grid.two{grid-template-columns:1fr}}
@media (max-width:640px){.loan-grid,.ov-grid.three{grid-template-columns:1fr}.logo-img{height:42px}.brand.light .logo-img{height:48px}}

/* Keep service icons above zooming images on hover */
.svc-ic{position:relative;z-index:3}
.svc-media,.loan-media,.ov-img{position:relative;z-index:1}
.svc-body,.loan-body,.ov-txt{position:relative;z-index:2}
.ov-tile::before{z-index:4}

/* Tighter vertical spacing */
.section{padding:72px 0}
.insurance.section,.loans.section{padding:72px 0 56px}
.disclaimer{margin-top:24px}
.section-head{margin-bottom:40px}
.cta-band{padding-bottom:64px}
.how.section{padding-bottom:56px}
@media (max-width:960px){.section{padding:60px 0}.insurance.section,.loans.section{padding:60px 0 48px}}
@media (max-width:640px){.section{padding:52px 0}.insurance.section,.loans.section{padding:52px 0 40px}.cta-band{padding-bottom:52px}}

/* Loan explanations */
.loan-explain{background:linear-gradient(180deg,#f2fbf5,#fff)}
.lx-list{display:grid;gap:28px}
.lx-card{background:#fff;border-radius:26px;border:1px solid #dcefe3;box-shadow:var(--shadow-sm);padding:32px;position:relative;overflow:hidden;scroll-margin-top:calc(var(--hdr) + 16px)}
.lx-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--g-green)}
.lx-head{display:flex;gap:18px;align-items:flex-start;margin-bottom:24px}
.lx-head .svc-ic{margin:0;flex-shrink:0;border:0}
.lx-head h3{font-size:1.5rem;margin-bottom:.35em}
.lx-head p{margin:0;color:var(--muted);max-width:80ch}
.lx-num{position:absolute;right:28px;top:18px;font-family:var(--f-head);font-weight:800;font-size:3.2rem;line-height:1;color:#e3f5ea}
.lx-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.lx-col{background:#f5fbf7;border-radius:18px;padding:20px 20px 16px;border:1px solid #e3f2e8}
.lx-col h4{display:flex;align-items:center;gap:8px;font-size:.98rem;color:var(--emerald);margin-bottom:12px}
.lx-col h4 svg{width:20px;height:20px}
.lx-col ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.lx-col li{position:relative;padding-left:18px;font-size:.92rem;color:var(--navy);line-height:1.5}
.lx-col li::before{content:"";position:absolute;left:0;top:.55em;width:8px;height:8px;border-radius:50%;background:var(--emerald);opacity:.75}
.lx-foot{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:22px;padding-top:20px;border-top:1px dashed #cfe8d8;flex-wrap:wrap}
.lx-foot p{margin:0;font-size:.9rem;color:var(--muted);flex:1;min-width:260px}
.lx-foot strong{color:var(--navy)}
.lx-btns{display:flex;align-items:center;gap:10px}
@media (max-width:960px){.lx-cols{grid-template-columns:1fr 1fr}.lx-cols .lx-col:last-child{grid-column:1/-1}}
@media (max-width:640px){.lx-card{padding:24px 20px}.lx-head{flex-direction:column;gap:12px}.lx-cols{grid-template-columns:1fr}.lx-num{font-size:2.4rem;right:18px}.lx-btns{width:100%}.lx-btns .btn{flex:1;white-space:normal}}

/* Detailed loan guide */
.lx-more{color:var(--text);margin:-6px 0 22px;padding:16px 20px;background:#f5fbf7;border-left:4px solid var(--mint);border-radius:0 14px 14px 0;font-size:.97rem}
.lx-sub{font-size:1.05rem;color:var(--navy);margin:26px 0 14px;display:flex;align-items:center;gap:10px}
.lx-sub::before{content:"";width:22px;height:4px;border-radius:4px;background:var(--g-green)}
.lx-types{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
.lx-type{padding:16px 18px;border-radius:16px;background:linear-gradient(135deg,#ecf9f1,#fff);border:1px solid #dcefe3;transition:transform .25s,box-shadow .25s}
.lx-type:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.lx-type strong{display:block;font-family:var(--f-head);color:var(--emerald);font-size:.95rem;margin-bottom:4px}
.lx-type span{font-size:.88rem;color:var(--muted);line-height:1.5;display:block}
.lx-two{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.lx-terms{margin:0;display:grid;gap:10px}
.lx-term{padding:12px 16px;border-radius:14px;border:1px solid var(--border);background:#fff}
.lx-term dt{font-family:var(--f-head);font-weight:600;color:var(--navy);font-size:.93rem}
.lx-term dd{margin:2px 0 0;color:var(--muted);font-size:.88rem;line-height:1.5}
.lx-steps{list-style:none;padding:0;margin:0;display:grid;gap:10px;position:relative}
.lx-steps li{display:flex;align-items:center;gap:12px;font-size:.92rem;color:var(--navy);font-weight:500}
.lx-steps b{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--g-green);color:#fff;font-family:var(--f-head);font-size:.82rem;flex-shrink:0}
.lx-tips{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.lx-tips li{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--navy)}
.lx-tips svg{width:20px;height:20px;padding:3px;border-radius:50%;background:#e2f5ea;color:var(--emerald);margin-top:1px}
.lx-faqs{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lx-faq{border:1px solid #dcefe3;border-radius:14px;background:#fff;overflow:hidden}
.lx-faq summary{cursor:pointer;list-style:none;padding:14px 44px 14px 16px;font-family:var(--f-head);font-weight:600;font-size:.93rem;color:var(--navy);position:relative}
.lx-faq summary::-webkit-details-marker{display:none}
.lx-faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:24px;height:24px;border-radius:50%;background:#e2f5ea;color:var(--emerald);display:grid;place-items:center;font-size:1.1rem;line-height:1}
.lx-faq[open] summary::after{content:"−"}
.lx-faq[open] summary{color:var(--emerald)}
.lx-faq p{margin:0;padding:0 16px 14px;color:var(--muted);font-size:.9rem}
@media (max-width:960px){.lx-two,.lx-faqs{grid-template-columns:1fr;gap:12px}.lx-two{gap:0}}
.lx-more{margin:20px 0 4px}

/* Short loan explanations */
.lx-list{grid-template-columns:repeat(3,1fr);gap:22px}
.lx-card{padding:26px 24px 22px}
.lx-top{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.lx-top .svc-ic{margin:0;border:0;width:46px;height:46px}
.lx-top h3{margin:0;font-size:1.25rem}
.lx-card>p{color:var(--muted);font-size:.95rem;margin-bottom:14px}
.lx-card .ticks{margin:0}
@media (max-width:960px){.lx-list{grid-template-columns:1fr;max-width:560px;margin:0 auto}}