/* ============================================================
   JOINAS DT SACCO — Unified Site Stylesheet (site.css)
   All pages share this file. One import, zero redundancy.
   ============================================================ */

/* ── Design Tokens ─────────────────────────────────────── */
:root {
  --primary:       #5791d0;
  --primary-dark:  #3d74b5;
  --primary-light: #8ab3df;
  --accent:        hsl(68, 69%, 54%);
  --accent-dark:   #a8bb2a;
  --green:         #c5db3a;
  --red:           #c62828;
  --text:          #1a1a2e;
  --muted:         #6b7280;
  --bg:            #f8fafc;
  --border:        #e5e7eb;
  --radius:        12px;
  --shadow:        0 4px 20px rgba(0,0,0,.08);
  --max-w:         1400px;
}

/* ── Reset ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
  font-size: 15px;
  padding-top: 110px;
  overflow-x: hidden;
  -webkit-tap-highlight-color: transparent;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); }
ul { list-style: none; padding: 0; margin: 0; }

/* ── Utility ────────────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 56px 24px; max-width: var(--max-w); margin: 0 auto; }
.section-alt { background: var(--bg); }
.section-dark { background: var(--primary); }
.text-center { text-align: center; }

.section-title {
  text-align: center;
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  color: var(--text);
  margin-bottom: 6px;
}
.section-title::after {
  content: '';
  display: block;
  width: 56px;
  height: 4px;
  background: var(--primary);
  border-radius: 2px;
  margin: 12px auto 0;
}
.section-title.light { color: #fff; }
.section-title.light::after { background: var(--accent); }

.section-sub {
  text-align: center;
  color: var(--muted);
  font-size: 15px;
  margin: 10px 0 40px;
}

/* ── Buttons ────────────────────────────────────────────── */
.btn-primary, .btn-outline, .btn-accent {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  color: #fff;
  background-color: #5791d0;
  cursor: pointer;
  border: none;
  transition: background .2s, transform .18s, box-shadow .18s;
}
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); color: #fff; text-decoration: none; }
.btn-outline { background: #5791d0; color: #fff; border: 2px solid #5791d0; }
.btn-outline:hover { background: var(--primary); color: #fff; transform: translateY(-2px); text-decoration: none; }
.btn-accent:hover { background: var(--accent-dark); color: #000; transform: translateY(-2px); text-decoration: none; }
.btn-outline-white { background: #5791d0; color: #fff; border: 2px solid rgba(255,255,255,.75); }
.btn-outline-white:hover { background: rgba(255,255,255,.14); color: #fff; transform: translateY(-2px); text-decoration: none; }
.btn-sm { padding: 8px 18px; font-size: 13px; }
.btn-lg { padding: 14px 32px; font-size: 15px; }

.btn-green {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  background: #c5db3a;
  color: #1a1a1a;
  border: 2px solid #c5db3a;
  transition: background .2s, transform .18s;
}
.btn-green:hover { background: #a8bb2a; border-color: #a8bb2a; color: #1a1a1a; transform: translateY(-2px); text-decoration: none; }

.btn-blue {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  background: #5791d0;
  color: #fff;
  border: 2px solid #5791d0;
  transition: background .2s, transform .18s;
}
.btn-blue:hover { background: #3d74b5; border-color: #3d74b5; color: #fff; transform: translateY(-2px); text-decoration: none; }

/* ── Top Bar ────────────────────────────────────────────── */
.topbar {
  background: var(--primary-dark);
  color: rgba(255,255,255,.9);
  font-size: 12.5px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 6px 24px;
  flex-wrap: wrap;
  gap: 6px;
}
.topbar-contact, .topbar-hours {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}
.topbar-contact span,
.topbar-hours span {
  display: flex;
  align-items: center;
  gap: 5px;
}

/* ── Header & Nav ───────────────────────────────────────── */
header {
  position: fixed;
  top: 0; left: 0;
  width: 100%;
  z-index: 1000;
  background: #fff;
  box-shadow: 0 2px 14px rgba(0,0,0,.10);
}
.nav-wrap {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 72px;
}
.logo {
  display: flex;
  gap: 12px;
  align-items: center;
  text-decoration: none;
}
.logo img { height: 60px; width: auto; border-radius: 8px; object-fit: contain; }
.site-title {
  font-weight: 800;
  font-size: .92rem;
  color: var(--primary);
  line-height: 1.25;
  max-width: 210px;
}
.site-tagline { font-size: 11px; color: var(--muted); font-style: italic; margin-top: 2px; }

/* Desktop menu */
nav ul.menu {
  display: flex;
  align-items: stretch;   /* li's fill full nav height */
  gap: 2px;
}
nav ul.menu > li {
  display: flex;
  align-items: center;
}
nav ul.menu > li > a {
  display: flex;
  align-items: center;
  color: var(--text);
  text-decoration: none;
  font-weight: 600;
  font-size: 13.5px;
  padding: 8px 12px;
  border-radius: 6px;
  white-space: nowrap;
  transition: background .18s, color .18s;
}
nav ul.menu > li > a:hover,
nav ul.menu > li > a.nav-active { background: var(--bg); color: var(--primary); }

/* Nav special buttons */
nav ul.menu .nav-join {
  color: #000 !important;
  border: 1.5px solid var(--green);
  border-radius: 8px;
  padding: 7px 14px !important;
}
nav ul.menu .nav-join:hover { background: var(--green) !important; color: #fff !important; }
nav ul.menu .cta {
  background: var(--primary) !important;
  color: #fff !important;
  border-radius: 8px !important;
  padding: 8px 16px !important;
  font-weight: 700 !important;
  margin-left: 4px;
}
nav ul.menu .cta:hover { background: #c5db3a !important; }

/* Dropdown */
.dropdown { position: relative; }

.dropdown .dropdown-menu {
  position: absolute;
  top: 100%;          /* lines up with bottom of nav bar */
  left: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  min-width: 230px;
  box-shadow: 0 8px 28px rgba(0,0,0,.14);
  padding: 6px 0;
  z-index: 1001;
  /* fade instead of display:none so pointer-events stay reliable */
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity .18s ease, transform .18s ease, visibility 0s linear .18s;
  pointer-events: none;
}
.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  transition: opacity .18s ease, transform .18s ease, visibility 0s linear 0s;
  pointer-events: auto;
}
.dropdown .dropdown-menu li a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  color: var(--text);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 500;
  transition: background .15s, color .15s;
}
.dropdown .dropdown-menu li a:hover { background: var(--bg); color: var(--primary); }
.dropdown .dropdown-menu li a i.fas.fa-file-pdf { color: #e53e3e; font-size: 12px; }

/* Hamburger */
.mobile-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  background: none;
  border: none;
  padding: 8px;
  cursor: pointer;
  width: 42px;
  height: 42px;
  border-radius: 8px;
  transition: background .15s;
}
.mobile-toggle:hover { background: var(--bg); }
.hamburger-line {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform .3s ease, opacity .2s ease;
  transform-origin: center;
}
.mobile-toggle.active .hamburger-line:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-toggle.active .hamburger-line:nth-child(2) { opacity: 0; transform: scaleX(0); }
.mobile-toggle.active .hamburger-line:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.nav-mobile {
  max-height: 0;
  overflow: hidden;
  visibility: hidden;
  opacity: 0;
  background: #fff;
  border-top: 0 solid var(--primary);
  box-shadow: 0 6px 20px rgba(0,0,0,.10);
  transition: max-height .38s cubic-bezier(.4,0,.2,1), opacity .28s ease, border-top-width .38s, visibility 0s linear .38s;
}
.nav-mobile.open {
  max-height: 700px;
  visibility: visible;
  opacity: 1;
  border-top-width: 3px;
  transition: max-height .38s cubic-bezier(.4,0,.2,1), opacity .32s ease .05s, border-top-width .38s, visibility 0s linear 0s;
}
@media (prefers-reduced-motion: reduce) {
  .nav-mobile, .nav-mobile.open { transition: none; }
}
.nav-mobile a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 24px;
  color: var(--text);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  border-bottom: 1px solid var(--bg);
  transition: background .15s, color .15s;
}
.nav-mobile a i { width: 18px; text-align: center; color: var(--primary-light); }
.nav-mobile a:hover { background: var(--bg); color: var(--primary); }
.nav-mobile .mobile-cta {
  background: var(--primary);
  color: #fff !important;
  margin: 12px 24px 16px;
  border-radius: 8px;
  border: none;
  justify-content: center;
}
.nav-mobile .mobile-cta i { color: #fff !important; }
.nav-mobile .mobile-cta:hover { background: var(--primary-dark); }

/* ── Page Hero (inner pages) ────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 60px 24px;
  text-align: center;
  color: #fff;
}
.page-hero h1 {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 12px;
}
.page-hero p {
  font-size: 16px;
  opacity: .85;
  max-width: 600px;
  margin: 0 auto 20px;
}

/* ── Photo Carousel ─────────────────────────────────────── */
.photo-carousel {
  position: inherit;
  max-width: inherit;
  margin: 24px auto;
  padding: 0 24px;
  overflow: hidden;
}
.carousel-track {
  display: flex;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform .5s ease;
}
.carousel-slide { min-width: 100%; flex-shrink: 0; }
.carousel-slide img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
}
.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: rgba(0,0,0,.4);
  color: #fff;
  border: none;
  width: 44px; height: 44px;
  border-radius: 50%;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px;
  transition: background .2s ease;
}
.carousel-btn:hover { background: rgba(0,0,0,.65); }
.carousel-btn.prev { left: 36px; }
.carousel-btn.next { right: 36px; }
.carousel-dots {
  position: absolute;
  bottom: 16px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}
.carousel-dots .dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,.5);
  border: none;
  padding: 0;
  cursor: pointer;
}
.carousel-dots .dot.active { background: #fff; }
.breadcrumb-nav {
  display: flex;
  justify-content: center;
  gap: 8px;
  font-size: 13px;
  opacity: .8;
}
.breadcrumb-nav a { color: var(--accent); text-decoration: none; }
.breadcrumb-nav span { opacity: .6; }

/* ── Homepage Hero Carousel (smooth crossfade) ──────────── */
.hero-wrap { width: 100%; overflow: hidden; }

.hero-carousel {
  position: relative;
  width: 100%;
  aspect-ratio: 21 / 9;   /* keeps the exact same crop/zoom of the image at every window width */
  overflow: hidden;
  background: #0d2d5e;
}

/* Each slide stacked, fade in/out */
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1s cubic-bezier(0.45, 0, 0.55, 1);
  pointer-events: none;
  will-change: opacity;
}
.hero-slide.active {
  opacity: 1;
  pointer-events: auto;
}
.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  background-repeat: no-repeat;
  background-size: cover;
  background-position: center top;
  transform: scale(1.08);
  transition: transform 9s linear;
  will-change: transform;
}
.hero-slide.active .hero-bg { transform: scale(1); }
@media (prefers-reduced-motion: reduce) {
  .hero-bg, .hero-slide.active .hero-bg { transition: none; transform: none; }
}

/* Overlay */
.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(0deg, rgba(0,0,0,.62) 0%, rgba(0,0,0,.28) 42%, rgba(0,0,0,.12) 65%, rgba(0,0,0,.28) 100%),
    rgba(0, 0, 0, 0.18);
  z-index: 1;
  pointer-events: none;
}

/* Slide content */
.hero-content2 {
  position: absolute;
  z-index: 2;
  left: 0; right: 0; bottom: 0;
  padding: 0 6vw 8vw;
  max-width: 780px;
  text-align: left;
}

.hero-content2 .hero-badge {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity .7s ease .2s, transform .7s ease .2s;
}
.hero-content2 h2 {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .8s ease .3s, transform .8s ease .3s;
}
.hero-content2 p {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity .8s ease .45s, transform .8s ease .45s;
}
.hero-content2 .hero-btns {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity .8s ease .6s, transform .8s ease .6s;
}
.hero-slide.active .hero-content2 .hero-badge,
.hero-slide.active .hero-content2 h2,
.hero-slide.active .hero-content2 p,
.hero-slide.active .hero-content2 .hero-btns {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  .hero-content2 .hero-badge,
  .hero-content2 h2,
  .hero-content2 p,
  .hero-content2 .hero-btns { transition: none; opacity: 1; transform: none; }
}

.hero-content2 .hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: none;
  color: #fff;
  font-size: 12px; font-weight: 700;
  padding: 0;
  border-radius: 0;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 16px;
}
.hero-content2 .hero-badge::before {
  content: "";
  width: 24px; height: 1px;
  background: var(--accent);
  display: inline-block;
}
.hero-content2 h2 {
  color: #fff;
  font-size: clamp(2rem, 5.2vw, 3.6rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: .2px;
  margin-bottom: 14px;
  text-shadow: 0 2px 14px rgba(0,0,0,.45);
}
.hero-content2 p {
  color: rgba(255,255,255,.85);
  font-size: clamp(.95rem, 1.6vw, 1.1rem);
  max-width: 540px;
  margin-bottom: 28px;
  line-height: 1.65;
  text-shadow: 0 1px 8px rgba(0,0,0,.35);
}
.hero-btns { display: flex; gap: 12px; justify-content: flex-start; flex-wrap: wrap; }

@media (max-width: 900px) {
  .hero-content2 { padding: 0 24px 15vw; }
}

/* Prev / Next arrows */
.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  background: rgba(0,0,0,.38);
  border: 2px solid rgba(255,255,255,.45);
  color: #fff;
  width: 46px; height: 46px;
  border-radius: 50%;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 17px;
  transition: background .2s, border-color .2s, transform .2s;
  line-height: 1;
}
.carousel-btn:hover {
  background: rgba(0,0,0,.7);
  border-color: var(--accent);
  transform: translateY(-50%) scale(1.1);
}
.carousel-prev { left: 18px; }
.carousel-next { right: 18px; }

/* Elevation-tick navigation */
.hero-ticks {
  position: absolute;
  z-index: 10;
  bottom: 22px;
  right: 6%;
  display: flex;
  gap: 20px;
  align-items: flex-end;
}
.tick {
  width: 3px;
  height: 18px;
  background: rgba(255,255,255,.35);
  border: none;
  padding: 0;
  cursor: pointer;
  position: relative;
  border-radius: 2px;
  transition: background .25s ease, height .25s ease;
}
.tick::after {
  content: attr(data-label);
  position: absolute;
  bottom: 26px;
  left: 50%;
  transform: translateX(-50%);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .06em;
  color: rgba(255,255,255,.75);
  white-space: nowrap;
  opacity: 0;
  transition: opacity .2s ease;
  text-shadow: 0 1px 4px rgba(0,0,0,.5);
}
.tick:hover::after,
.tick:focus-visible::after { opacity: 1; }
.tick.active {
  background: var(--accent);
  height: 30px;
}
@media (max-width: 640px) {
  .hero-ticks { right: 24px; bottom: 18px; gap: 14px; }
}

/* Screen-reader-only utility */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.hero-carousel { touch-action: pan-y; cursor: grab; }
.hero-carousel:active { cursor: grabbing; }
.hero-carousel:focus { outline: none; }
.hero-carousel:focus-visible { outline: 2px solid var(--accent); outline-offset: -4px; }

/* Slide counter */
.hero-counter {
  position: absolute;
  top: 18px; right: 18px;
  z-index: 10;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .06em;
  color: rgba(255,255,255,.85);
  text-shadow: 0 1px 4px rgba(0,0,0,.4);
}
.hero-counter-current { color: var(--accent); }

/* Play / pause toggle */
.hero-playpause {
  position: absolute;
  bottom: 18px; left: 18px;
  z-index: 10;
  width: 38px; height: 38px;
  border-radius: 50%;
  background: rgba(0,0,0,.38);
  border: 2px solid rgba(255,255,255,.45);
  color: #fff;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  transition: background .2s, border-color .2s;
}
.hero-playpause:hover { background: rgba(0,0,0,.7); border-color: #fff; }
.hero-playpause .icon-play { display: none; }
.hero-playpause.is-paused .icon-play { display: block; }
.hero-playpause.is-paused .icon-pause { display: none; }

/* Autoplay progress bar */
.hero-progress {
  position: absolute;
  bottom: 0; left: 0;
  height: 3px;
  width: 0%;
  background: var(--primary);
  z-index: 10;
}

/* ── Stats Bar (homepage) ───────────────────────────────── */
.stats-bar {
  background: var(--primary-dark);
  color: #fff;
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  padding: 0 24px;
}
.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 18px 20px;
  line-height: 1.2;
  transition: opacity .6s cubic-bezier(.4,0,.2,1), transform .6s cubic-bezier(.4,0,.2,1);
}
.stat-item .odometer {
  font-size: 26px; font-weight: 800;
  display: inline-block;
}
.odometer.plus { position: relative; display: inline-block; }
.odometer.plus::after { content: "+"; font-size: 14px; vertical-align: top; line-height: 30px; }
.stat-label {
  font-size: 11px; opacity: .78;
  text-transform: uppercase; letter-spacing: .6px;
  margin-top: 4px;
}
/* ── Overview Section (Mission / Vision / Values — two-column) ── */
.overview-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 64px 32px;
  align-items: start;
}

.overview-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--red);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .6px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 4px;
  margin-bottom: 18px;
}

.overview-left h2 {
  font-size: clamp(1.35rem, 2.6vw, 1.75rem);
  font-weight: 800;
  color: var(--text);
  line-height: 1.3;
  margin-bottom: 16px;
}

.overview-left > p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 28px;
}

.overview-mv {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 4px;
}

.overview-mv > div {
  background: var(--bg);
  border-left: 4px solid var(--primary);
  border-radius: 0 8px 8px 0;
  padding: 16px 18px;
}

.overview-mv > div strong {
  display: block;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--primary);
  margin-bottom: 6px;
}

.overview-mv > div p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}

.overview-right {
  background: var(--primary);
  border-radius: 16px;
  padding: 36px 32px;
  color: #fff;
  position: sticky;
  top: 120px;
}

.overview-right h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.badge-cap {
  background: var(--accent);
  color: #1a1a1a;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 1px;
  padding: 3px 10px;
  border-radius: 4px;
}

.overview-values {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.overview-values li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  font-weight: 600;
  color: #fff;
  padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,.15);
}

.overview-values li:last-child { border-bottom: none; }

.overview-values li i {
  color: var(--accent);
  font-size: 16px;
  flex-shrink: 0;
}

/* ── Features Strip ─────────────────────────────────────── */
.features-strip {
  background: #c5db3a;
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
}
.feature-item {
  display: flex;
  align-items: center;
  gap: 14px;
  color: #fff;
  padding: 18px 20px;
  flex: 1 1 200px;
  transition: opacity .6s cubic-bezier(.4,0,.2,1), transform .6s cubic-bezier(.4,0,.2,1);
}
.feature-item i { font-size: 26px; color: var(#fff); flex-shrink: 0; }
.feature-item strong { display: block; font-size: 14px; font-weight: 700; }
.feature-item span { font-size: 12px; opacity: .82; }

/* ── Mission / Vision / Values section ─────────────────── */
.mission-section {
  background: linear-gradient(180deg, var(--bg) 0%, #eef2f7 100%);
  padding: 64px 24px 72px;
}
.mission-header {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(87,145,208,.1);
  color: var(--primary-dark);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.mission-header .section-title { margin-bottom: 6px; }
.mission-header .section-sub { margin-bottom: 0; }

/* ── Cards ──────────────────────────────────────────────── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  max-width: var(--max-w);
  margin: 40px auto 0;
}
.card {
  position: relative;
  background: #fff;
  border-radius: 16px;
  padding: 32px 26px;
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease, opacity .5s ease;
}
.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
}
.card.green::before  { background: linear-gradient(90deg, var(--green), #16a374); }
.card.accent::before { background: linear-gradient(90deg, var(--accent-dark), var(--accent)); }
.card:hover { transform: translateY(-8px); box-shadow: 0 18px 40px rgba(20,40,70,.14); }

.card-icon {
  width: 58px; height: 58px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  box-shadow: 0 8px 18px rgba(87,145,208,.35);
}
.card.green  .card-icon { background: linear-gradient(135deg, var(--green), #0e8563); box-shadow: 0 8px 18px rgba(11,107,79,.3); }
.card.accent .card-icon { background: linear-gradient(135deg, var(--accent-dark), var(--accent)); box-shadow: 0 8px 18px rgba(168,187,42,.35); }
.card-icon i { font-size: 24px; color: #fff; }

.card h3 {
  font-size: 1.1rem; font-weight: 800;
  margin-bottom: 12px; color: var(--text);
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
}
.card p { color: var(--muted); font-size: 14.5px; line-height: 1.75; }

.values-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4px 10px;
}
.values-list li:last-child { grid-column: 1 / -1; }
.card ul li {
  display: flex; align-items: center; gap: 8px;
  font-size: 13.5px; font-weight: 600; color: var(--text);
  padding: 8px 0;
}
.card ul li i { color: var(--green); font-size: 14px; flex-shrink: 0; }
.badge-cap {
  background: var(--accent); color: #1a1a1a;
  font-size: 10px; font-weight: 700;
  padding: 2px 9px; border-radius: 20px;
}

/* ── Joinas Mobi App page ───────────────────────────────── */
.card-thumb {
  border-radius: 12px;
  overflow: hidden;
  margin: -32px -26px 20px;
}
.card-thumb img { width: 100%; height: 170px; object-fit: cover; display: block; }
.mobi-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  max-width: var(--max-w);
  margin: 40px auto 0;
  padding: 0 24px;
}
.mobi-gallery {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 24px;
  max-width: var(--max-w);
  margin: 40px auto 0;
  padding: 0 24px;
}
.mobi-shot {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  text-align: center;
  transition: transform .22s ease, box-shadow .22s ease, opacity .5s ease;
}
.mobi-shot:hover { transform: translateY(-6px); box-shadow: 0 14px 34px rgba(0,0,0,.14); }
.mobi-shot img { width: 100%; display: block; }
.mobi-shot span {
  display: block;
  padding: 12px 10px;
  font-weight: 700;
  font-size: 14px;
  color: var(--text);
  border-top: 1px solid var(--border);
}
/* ── Overview Section (Mission / Vision / Values — two-column) ── */
.overview-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 64px 32px;
  align-items: start;
}

.overview-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--red);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .6px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 4px;
  margin-bottom: 18px;
}

.overview-left h2 {
  font-size: clamp(1.35rem, 2.6vw, 1.75rem);
  font-weight: 800;
  color: var(--text);
  line-height: 1.3;
  margin-bottom: 16px;
}

.overview-left > p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 28px;
}

.overview-mv {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 4px;
}

.overview-mv > div {
  background: var(--bg);
  border-left: 4px solid var(--primary);
  border-radius: 0 8px 8px 0;
  padding: 16px 18px;
}

.overview-mv > div strong {
  display: block;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--primary);
  margin-bottom: 6px;
}

.overview-mv > div p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}

.overview-right {
  background: var(--primary);
  border-radius: 16px;
  padding: 36px 32px;
  color: #fff;
  position: sticky;
  top: 120px;
}

.overview-right h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.badge-cap {
  background: var(--accent);
  color: #1a1a1a;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 1px;
  padding: 3px 10px;
  border-radius: 4px;
}

.overview-values {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.overview-values li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  font-weight: 600;
  color: #fff;
  padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,.15);
}

.overview-values li:last-child { border-bottom: none; }

.overview-values li i {
  color: var(--accent);
  font-size: 16px;
  flex-shrink: 0;
}

/* ── Products Grid (homepage) ───────────────────────────── */
.products-section { background: var(--bg); padding: 56px 0; }
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.product-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform .22s, box-shadow .22s, opacity .5s ease;
}
.product-card:hover { transform: translateY(-5px); box-shadow: 0 10px 36px rgba(0,0,0,.13); }
.product-card > img { width: 100%; height: 250px; object-fit: fill; }
.product-info { padding: 22px 20px; }
.product-info h4 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }
.product-info p { color: var(--muted); font-size: 14px; line-height: 1.65; margin-bottom: 18px; }
.readmore {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--primary); color: #fff;
  border-radius: 8px; padding: 9px 18px;
  font-weight: 600; font-size: 13.5px;
  text-decoration: none;
  transition: background .18s;
}
.readmore:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }

/* ── Loan Product Cards ─────────────────────────────────── */
.loans-section { padding: 56px 0; }
.loans-section + .loans-section { padding-top: 0; }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.loan-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  border-top: 4px solid var(--primary);
  transition: transform .22s, box-shadow .22s, opacity .5s ease;
}
.loan-card.fosa { border-top-color: var(--green); }
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(0,0,0,.12); }
.loan-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px 14px;
}
.loan-card-icon {
  width: 48px; height: 48px;
  background: var(--bg);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.loan-card-icon img { width: 36px; height: 36px; object-fit: contain; }
.loan-card-icon i { font-size: 22px; color: var(--primary); }
.loan-card.fosa .loan-card-icon i { color: var(--green); }
.loan-card h4 { font-size: .98rem; font-weight: 700; color: var(--text); margin: 0; }
.loan-card-body { padding: 0 20px 18px; }
.loan-card-body > p { font-size: 14px; color: var(--muted); line-height: 1.6; margin-bottom: 14px; }
.loan-details {
  background: var(--bg);
  border-radius: 8px;
  padding: 12px 14px;
}
.loan-details p { font-size: 12.5px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 8px; }
.loan-details ul { display: flex; flex-direction: column; gap: 6px; }
.loan-details ul li {
  display: flex; align-items: flex-start; gap: 8px;
  font-size: 13px; color: var(--text); line-height: 1.4;
}
.loan-details ul li i { color: var(--primary); font-size: 11px; margin-top: 3px; flex-shrink: 0; }
.loan-card.fosa .loan-details ul li i { color: var(--green); }
.loan-cta {
  padding: 14px 20px 20px;
}
.loan-cta a {
  display: block;
  text-align: center;
  background: var(--primary);
  color: #fff;
  border-radius: 8px;
  padding: 10px;
  font-weight: 600;
  font-size: 13px;
  text-decoration: none;
  transition: background .18s;
}
.loan-card.fosa .loan-cta a { background: var(--green); }
.loan-cta a:hover { background: var(--primary-dark); text-decoration: none; }
.loan-card.fosa .loan-cta a:hover { background: #085a42; }

/* ── CTA Banner ─────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 64px 24px;
  text-align: center;
}
.cta-banner h2 { color: #fff; font-size: clamp(1.4rem, 3vw, 2rem); font-weight: 800; margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,.85); font-size: 16px; margin-bottom: 30px; line-height: 1.65; }
.cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ── About page ─────────────────────────────────────────── */
.history-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  max-width: var(--max-w);
  margin: 52px auto;
  padding: 0 24px;
}
.history-text h2 { font-size: 1.6rem; font-weight: 800; margin-bottom: 16px; }
.history-text p { color: var(--muted); font-size: 15px; line-height: 1.8; margin-bottom: 12px; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li {
  display: flex; align-items: flex-start; gap: 10px;
  color: var(--muted); font-size: 15px; line-height: 1.7;
  padding: 8px 0;
}
.check-list li i { color: #3d74b5; font-size: 15px; margin-top: 4px; flex-shrink: 0; }
.history-img img { width: 100%; border-radius: var(--radius); box-shadow: var(--shadow); }
.highlight-box {
  background: var(--primary);
  color: #fff;
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-top: 20px;
}
.highlight-box p { color: rgba(255,255,255,.9); font-size: 14px; line-height: 1.6; margin: 0; }

/* ── Team ───────────────────────────────────────────────── */
.team-section {
  background: var(--bg);
  padding: 56px 24px;
}
.team-grid {
  display: grid;
  gap: 5px;
  grid-template-columns: repeat(6, 1fr);
  max-width: var(--max-w);
  margin: 0 auto;
}
.team-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  text-align: center;
  transition: transform .22s, box-shadow .22s, opacity .5s ease;
}
.team-card:hover { transform: translateY(-5px); box-shadow: 0 10px 36px rgba(0,0,0,.13); }
.team-card img { width: 100%; height: 320px; object-fit: contain; object-position: top center; }
.team-card-info { padding: 16px 14px 20px; }
.team-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 4px; }
.team-card span {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  font-size: 11px; font-weight: 600;
  padding: 3px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: .4px;
}

/* ── Registration Form ──────────────────────────────────── */
.form-section {
  max-width: 860px;
  margin: 52px auto;
  padding: 0 24px;
}
.form-progress {
  display: flex;
  justify-content: space-between;
  margin-bottom: 36px;
  position: relative;
}
.form-progress::before {
  content: '';
  position: absolute;
  top: 16px;
  left: 0; right: 0;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  z-index: 1;
}
.step-dot {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--border);
  color: var(--muted);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
}
.progress-step.active .step-dot { background: var(--primary); color: #fff; }
.step-label { font-size: 11px; color: var(--muted); font-weight: 600; white-space: nowrap; }

.form-panel {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
  margin-bottom: 24px;
}
.form-panel h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--bg);
  display: flex;
  align-items: center;
  gap: 10px;
}
.form-panel h3 i { color: var(--primary); }
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px 24px;
}
.form-grid.three { grid-template-columns: repeat(3, 1fr); }
.form-grid.full { grid-template-columns: 1fr; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.span2 { grid-column: span 2; }
.form-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
}
.form-group label .req { color: var(--red); margin-left: 2px; }
.form-group input,
.form-group select,
.form-group textarea {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 14px;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  outline: none;
  transition: border-color .18s, box-shadow .18s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(29,95,168,.12);
}
.form-group input[type="file"] { padding: 8px 12px; background: var(--bg); cursor: pointer; }
.radio-group { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 4px; }
.radio-group label {
  display: flex; align-items: center; gap: 6px;
  font-size: 14px; font-weight: 500;
  cursor: pointer;
}
.radio-group input[type="radio"] { width: 16px; height: 16px; accent-color: var(--primary); }
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 16px;
  background: var(--bg);
  border-radius: 8px;
  font-size: 13.5px;
  color: var(--text);
  line-height: 1.5;
}
.form-check input[type="checkbox"] { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; accent-color: var(--primary); }
.form-check a { color: var(--primary); }
.btn-submit {
  width: 100%;
  padding: 14px;
  border: none;
  background: var(--primary);
  color: #fff;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: background .2s, transform .18s;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  margin-top: 8px;
}
.btn-submit:hover { background: var(--primary-dark); transform: translateY(-1px); }

/* ── Career Page ────────────────────────────────────────── */
.no-vacancy-box {
  max-width: 640px;
  margin: 52px auto;
  padding: 0 24px;
  text-align: center;
}
.no-vacancy-icon {
  width: 80px; height: 80px;
  background: var(--bg);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.no-vacancy-icon i { font-size: 36px; color: var(--muted); }
.no-vacancy-box h2 { font-size: 1.5rem; font-weight: 800; margin-bottom: 12px; }
.no-vacancy-box p { color: var(--muted); font-size: 15px; line-height: 1.7; margin-bottom: 20px; }
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.value-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 24px 20px;
  box-shadow: var(--shadow);
  text-align: center;
  transition: opacity .6s cubic-bezier(.4,0,.2,1), transform .6s cubic-bezier(.4,0,.2,1);
}
.value-card > i { font-size: 28px; color: var(--primary); margin-bottom: 12px; }
.value-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.value-card p { font-size: 13.5px; color: var(--muted); line-height: 1.6; }
.speculative-box {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 32px;
  max-width: 860px;
  margin: 40px auto 0;
  border: 1.5px solid var(--border);
  display: flex;
  align-items: flex-start;
  gap: 24px;
}
.speculative-icon {
  width: 56px; height: 56px; min-width: 56px;
  background: var(--primary);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 22px;
}
.speculative-box h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; }
.speculative-box p { color: var(--muted); font-size: 14px; line-height: 1.7; margin-bottom: 12px; }
.speculative-links { display: flex; align-items: flex-start; gap: 24px; flex-wrap: wrap; margin-top: 4px; }
.speculative-address { font-size: 13.5px; color: var(--muted); line-height: 1.8; }
.speculative-address p { margin: 0; color: var(--muted); }
.speculative-address strong { color: var(--text); }

/* Career page layout */
.career-main {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 56px 24px;
}
.career-values {
  margin: 56px 0;
  text-align: center;
}
.value-icon {
  width: 52px; height: 52px;
  background: var(--bg);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.value-icon i { font-size: 22px; color: var(--primary); }

/* ── Footer ─────────────────────────────────────────────── */
footer.footer {
  background: #1e293b;
  color: rgba(255,255,255,.82);
  font-size: 13.5px;
  line-height: 1.55;
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding: 52px 24px;
  max-width: var(--max-w);
  margin: 0 auto;
}
.logo-section { display: flex; flex-direction: column; gap: 10px; }
.logo-section > a img { width: 60px; border-radius: 8px; }
.footer .brand-text { display: flex; flex-direction: column; gap: 3px; }
.footer .site-title { font-weight: 700; font-size: 13px; color: #fff; max-width: none; }
.footer .tagline { font-size: 12px; color: var(--accent); font-style: normal; }
.footer-about { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.65; max-width: 280px; }
.footer-address p { margin: 4px 0; font-size: 12.5px; color: rgba(255,255,255,.55); display: flex; align-items: center; gap: 7px; }
.footer-section strong {
  display: block;
  margin-bottom: 14px;
  font-size: 11.5px; font-weight: 700;
  color: #fff;
  text-transform: uppercase; letter-spacing: .8px;
}
.footer-section nav { display: flex; flex-direction: column; gap: 8px; }
.footer-section nav a {
  display: flex; align-items: center; gap: 7px;
  color: rgba(255,255,255,.68);
  text-decoration: none; font-size: 13px;
  transition: color .18s;
}
.footer-section nav a:hover { color: var(--accent); }
.footer-section nav a i { color: #e53e3e; font-size: 11px; }
.footer-section p {
  display: flex; align-items: center; gap: 9px;
  color: rgba(255,255,255,.68);
  font-size: 13px; margin-bottom: 7px;
}
.social-links { display: flex; gap: 9px; margin-top: 14px; }
.social-links a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.09);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.75);
  font-size: 15px;
  text-decoration: none;
  transition: background .18s, color .18s;
}
.social-links a:hover { background: var(--primary-light); color: #fff; }
.footer-bottom {
  text-align: center;
  background: #0f172a;
  padding: 14px 24px;
  font-size: 12.5px;
  color: rgba(255,255,255,.45);
}
.footer-bottom a { color: var(--accent); text-decoration: none; }
.footer-bottom a:hover { text-decoration: underline; }

/* ── Scroll-to-top ──────────────────────────────────────── */
#scrollTop {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--primary);
  color: #fff;
  border: none; border-radius: 10px;
  cursor: pointer; font-size: 16px;
  opacity: 0; pointer-events: none;
  transition: opacity .3s, transform .2s;
  z-index: 999;
  box-shadow: 0 4px 16px rgba(29,95,168,.45);
  display: flex; align-items: center; justify-content: center;
}
#scrollTop:hover { background: var(--primary-dark); transform: translateY(-2px); }

/* ── Registration Form Extended ─────────────────────────── */
.form-intro { text-align: center; margin-bottom: 36px; }
.form-intro .section-title { margin-bottom: 12px; }
.form-intro .section-sub a { color: var(--primary); }

.form-fieldset {
  margin-bottom: 32px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 28px 20px;
  background: #fff;
}
.form-fieldset-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}
.form-group.full-width { grid-column: 1 / -1; }

.radio-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  cursor: pointer;
  color: var(--text);
  font-weight: 400;
}
.radio-label input[type="radio"] { width: 16px; height: 16px; accent-color: var(--primary); }

/* File upload */
.file-upload-wrap { position: relative; }
.file-upload-wrap input[type="file"] {
  position: absolute; inset: 0; opacity: 0; width: 100%; height: 100%; cursor: pointer; z-index: 2;
}
.file-upload-label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 28px 20px;
  border: 2px dashed var(--border);
  border-radius: 8px;
  background: var(--bg);
  cursor: pointer;
  transition: border-color .2s, background .2s;
  text-align: center;
  color: var(--muted);
  font-size: 14px;
}
.file-upload-label i { font-size: 28px; color: var(--primary); }
.file-upload-wrap:hover .file-upload-label { border-color: var(--primary); background: #f0f5ff; }

/* Declarations */
.form-checks { display: flex; flex-direction: column; gap: 16px; }

/* Submit row */
.form-submit-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 8px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.form-note { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 6px; margin: 0; }
.form-note i { color: var(--green); }

/* Alt info */
.form-alt-info {
  text-align: center;
  margin: 40px auto 0;
  padding: 28px;
  background: var(--bg);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  max-width: 640px;
  font-size: 14px;
  color: var(--muted);
}
.form-alt-info p { margin-bottom: 16px; }
.alt-links { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-outline-primary {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 20px;
  border: 2px solid var(--primary);
  border-radius: 8px;
  color: var(--primary);
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: background .2s, color .2s;
}
.btn-outline-primary:hover { background: var(--primary); color: #fff; }

/* ── Responsive ─────────────────────────────────────────── */

/* Tablet */
@media (max-width: 1024px) {
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 28px; }
  .history-section { grid-template-columns: 1fr; }
  .history-img { order: -1; }
  .topbar { display: none; } /* hide topbar on smaller screens, info in footer */
  body { padding-top: 72px; }
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .overview-section { grid-template-columns: 1fr; gap: 32px; }
  .overview-right { position: static; top: auto; }
}

/* Mobile nav breakpoint */
@media (max-width: 768px) {
  nav ul.menu { display: none; }
  .mobile-toggle { display: flex; }

  /* Layout */
  .mission-section { padding: 40px 20px 48px; }
  .card-grid { grid-template-columns: 1fr; margin: 24px auto 0; gap: 16px; }
  .values-list { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; gap: 16px; }
  .loans-grid { grid-template-columns: 1fr; gap: 16px; }
  .testimonials-grid { grid-template-columns: 1fr; gap: 16px; }
  .footer-inner { grid-template-columns: 1fr; padding: 32px 20px; gap: 24px; }
  .team-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .team-card img { height: 220px; }
  .overview-section { gap: 24px; padding: 48px 20px; }
  .overview-mv { grid-template-columns: 1fr; }
  .overview-right { padding: 28px 22px; }

  /* Features strip — 2×2 grid */
  .features-strip { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
  .feature-item { border-right: 1px solid rgba(255,255,255,.1); border-bottom: 1px solid rgba(255,255,255,.1); }
  .feature-item:nth-child(even) { border-right: none; }

  /* Stats — horizontal row */
  .stats-bar { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
  .stat-item { padding: 16px 8px; border-right: 1px solid rgba(255,255,255,.15); }
  .stat-item:last-child { border-right: none; }
  .stat-item .odometer { font-size: 20px; }
  .stat-label { font-size: 11px; }

  /* Rates ticker — horizontal scroll */
  .rates-ticker {
    flex-wrap: nowrap;
    overflow-x: auto;
    justify-content: flex-start;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .rates-ticker::-webkit-scrollbar { display: none; }
  .rates-ticker-item { flex-shrink: 0; padding: 12px 20px; }

  /* Sections */
  .section, .calc-section, .testimonials-section { padding: 40px 0; }
  .page-hero { padding: 36px 20px 32px; }
  .page-hero h1 { font-size: 1.6rem; }
  .carousel-slide img { height: 280px; }
  .carousel-btn { width: 40px; height: 40px; font-size: 14px; }
  .carousel-btn.prev { left: 8px; }
  .carousel-btn.next { right: 8px; }
  .cta-banner { padding: 44px 20px; }
  .cta-banner h2 { font-size: 1.4rem; }

  /* Forms */
  .form-grid, .form-grid.three { grid-template-columns: 1fr; }
  .form-group.full-width, .form-group.span2 { grid-column: 1; }
  .form-fieldset { padding: 18px 14px; margin-bottom: 20px; }
  .form-submit-row { flex-direction: column; align-items: stretch; }
  .btn-submit { width: 100%; justify-content: center; }
  .form-section { padding: 32px 16px; }
  /* 16px prevents iOS Safari from auto-zooming the page on input focus */
  .form-group input,
  .form-group select,
  .form-group textarea,
  .radio-group label,
  .radio-label { font-size: 16px; }

  /* Loan calculator */
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-result-grid { grid-template-columns: repeat(3, 1fr); }
  .calc-inputs input[type=number],
  .calc-inputs select { font-size: 16px; }
.calc-rate-hint {
  font-size: 12.5px;
  color: rgba(255,255,255,.7);
  margin-top: 6px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.calc-rate-hint i { color: var(--accent); }
.calc-rate-hint strong { color: var(--accent); }

  /* Career / Spec */
  .speculative-box { flex-direction: column; }
  .speculative-links { flex-direction: column; gap: 12px; }
  .values-grid { grid-template-columns: 1fr 1fr; }

  /* About */
  .board-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Phone */
@media (max-width: 600px) {
  /* Hero carousel: taller crop so heading/copy/buttons have room */
  .hero-carousel { aspect-ratio: 3 / 4; min-height: 460px; }
  .hero-content2 { padding: 0 20px 28px; max-width: none; }
  .hero-content2 h2 { font-size: clamp(1.5rem, 7vw, 2rem); margin-bottom: 10px; }
  .hero-content2 p { font-size: 13.5px; margin-bottom: 20px; }
  .hero-content2 .hero-badge { font-size: 11px; margin-bottom: 12px; }
  .hero-btns { flex-direction: column; align-items: stretch; }
  .hero-btns .btn-accent,
  .hero-btns .btn-blue,
  .hero-btns .btn-green { width: 100%; justify-content: center; }
  .hero-counter { top: 12px; right: 12px; }
  .hero-playpause { bottom: 12px; left: 12px; width: 34px; height: 34px; }
  .carousel-prev { left: 10px; }
  .carousel-next { right: 10px; }
  .hero-ticks { display: none; } /* labeled ticks need width the phone doesn't have */

  /* Nav */
  .nav-wrap { padding: 0 16px; min-height: 62px; }
  .logo img { height: 46px; }
  .site-title { font-size: .8rem; max-width: 160px; }
  body { padding-top: 62px; }

  /* Rates ticker stays horizontal scroll */
  .rates-ticker-item { padding: 10px 18px; }
  .rates-ticker-item .rate-val { font-size: 17px; }

  /* Stats */
  .stats-bar { grid-template-columns: repeat(3, 1fr); }
  .stat-item .odometer { font-size: 17px; }
  .stat-label { font-size: 10px; }

  /* Features strip */
  .features-strip { grid-template-columns: 1fr 1fr; }
  .feature-item { padding: 16px 12px; }
  .feature-item i { font-size: 20px; }
  .feature-item div strong { font-size: 13px; }
  .feature-item div span { font-size: 11px; }

  /* Products — single column with smaller card image */
  .product-card img { height: px; }
  .loan-card-img { height: 140px; }
  .carousel-slide img { height: 220px; }
  .team-card img { height: 180px; }
  .overview-section { padding: 40px 16px; }
  .overview-right { padding: 24px 18px; }

  /* Typography */
  .section-title { font-size: 1.3rem; }
  .section-sub { font-size: 13px; margin-bottom: 24px; }

  /* Testimonials */
  .testimonials-grid { padding: 0 16px; gap: 14px; }
  .testimonial-card { padding: 20px 18px; }
  .testimonial-text { font-size: 13.5px; }

  /* Calculator */
  .calc-result-grid { grid-template-columns: 1fr; gap: 10px; }
  .calc-result-card { padding: 16px; }
  .calc-inputs { padding: 0 16px; }
  .calc-section { padding: 36px 0; }

  /* Buttons — full width on phone */
  .hero-btns .btn-accent,
  .hero-btns .btn-outline-white,
  .cta-btns .btn-accent,
  .cta-btns .btn-outline-white { width: 100%; max-width: 100%; justify-content: center; }
  .cta-btns { flex-direction: column; align-items: stretch; padding: 0 16px; gap: 10px; }

  /* Footer */
  .footer-inner { padding: 28px 16px; gap: 20px; }
  .footer-bottom { font-size: 12px; padding: 12px 16px; }
  .social-links { gap: 10px; }

  /* Page hero */
  .page-hero { padding: 28px 16px 24px; }
  .page-hero h1 { font-size: 1.4rem; }
  .page-hero p { font-size: 13.5px; }

  /* CTA banner */
  .cta-banner { padding: 36px 16px; }
  .cta-banner h2 { font-size: 1.25rem; }
  .cta-banner p { font-size: 13.5px; }

  /* Form */
  .form-fieldset { padding: 16px 12px; }
  .form-panel { padding: 20px 16px; }
  .form-alt-info { padding: 20px 16px; margin-top: 24px; }
  .alt-links { flex-direction: column; }
  .btn-outline-primary { justify-content: center; }

  /* Career */
  .values-grid { grid-template-columns: 1fr; }
  .no-vacancy-box { padding: 28px 16px; }

  /* WhatsApp button — smaller on phone */
  #whatsappBtn { width: 46px; height: 46px; font-size: 22px; bottom: 72px; right: 16px; }
  #scrollTop { bottom: 16px; right: 16px; width: 38px; height: 38px; font-size: 14px; }

  /* Misc */
  .breadcrumb-nav { font-size: 12px; }
}

/* ── Loan Card Image ────────────────────────────────────── */
.loan-card-img {
  width: 100%;
  height: 250px;
  object-fit: fill;
  object-position: center;
  border-radius: var(--radius) var(--radius) 0 0;
  display: block;
}

/* ── WhatsApp Floating Button ───────────────────────────── */
#whatsappBtn {
  position: fixed;
  bottom: 84px;
  right: 28px;
  width: 52px; height: 52px;
  background: #25D366;
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px;
  text-decoration: none;
  box-shadow: 0 4px 18px rgba(37,211,102,.45);
  z-index: 998;
  transition: transform .2s, box-shadow .2s;
}
#whatsappBtn:hover { transform: scale(1.1); box-shadow: 0 6px 24px rgba(37,211,102,.6); }
#whatsappBtn .wa-tooltip {
  position: absolute;
  right: 60px;
  background: #1a1a2e;
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 6px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s;
}
#whatsappBtn:hover .wa-tooltip { opacity: 1; }

/* ── Rates Ticker Strip ─────────────────────────────────── */
.rates-ticker {
  background: var(--accent);
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
}
.rates-ticker-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  border-right: 1px solid rgba(255,255,255,.15);
}
.rates-ticker-item:last-child { border-right: none; }
.rates-ticker-item i { font-size: 18px; color: #3d74b5; }
.rates-ticker-item .rate-val { font-size: 20px; font-weight: 800; color: #fff; }
.rates-ticker-item .rate-desc { font-size: 11px; font-weight: 400; opacity: .75; line-height: 1.3; }

/* ── Paybill Badge in Footer ────────────────────────────── */
.paybill-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 8px;
  padding: 8px 12px;
  margin-top: 6px;
  font-size: 13px;
  color: rgba(255,255,255,.9);
}
.paybill-badge strong { color: var(--accent); font-size: 15px; letter-spacing: .5px; }
.paybill-badge i { color: #4caf50; font-size: 16px; }

/* ── Testimonials Section ───────────────────────────────── */
.testimonials-section {
  background: var(--bg);
  padding: 72px 0;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: var(--max-w);
  margin: 40px auto 0;
  padding: 0 24px;
}
.testimonial-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-size: 72px;
  line-height: 1;
  color: var(--primary);
  opacity: .12;
  position: absolute;
  top: 12px; left: 20px;
  font-family: Georgia, serif;
}
.testimonial-stars { color: #f59e0b; font-size: 14px; letter-spacing: 2px; }
.testimonial-text { font-size: 14.5px; line-height: 1.75; color: var(--muted); font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.testimonial-avatar {
  width: 44px; height: 44px; min-width: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 15px;
}
.testimonial-avatar.green { background: var(--green); }
.testimonial-avatar.accent { background: var(--accent); color: var(--text); }
.testimonial-name { font-weight: 700; font-size: 14px; }
.testimonial-role { font-size: 12px; color: var(--muted); }

/* ── Loan Calculator ────────────────────────────────────── */
.calc-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 72px 0;
}
.calc-section .section-title { color: #fff; }
.calc-section .section-sub { color: rgba(255,255,255,.75); margin-bottom: 40px; }
.calc-wrap {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.calc-inputs {
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  padding: 28px;
}
.calc-inputs label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.85);
  margin-bottom: 6px;
  margin-top: 18px;
}
.calc-inputs label:first-of-type { margin-top: 0; }
.calc-input-row { position: relative; }
.calc-input-row .prefix {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  color: rgba(255,255,255,.55); font-weight: 700; font-size: 14px;
}
.calc-inputs input[type=number],
.calc-inputs select {
  width: 100%;
  padding: 11px 14px 11px 30px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.1);
  color: #fff;
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  outline: none;
  transition: border-color .2s;
  appearance: none;
}
.calc-inputs input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; }
.calc-inputs input[type=number]:focus,
.calc-inputs select:focus { border-color: var(--accent); }
.calc-inputs select option { background: var(--primary-dark); color: #fff; }
.calc-btn {
  width: 100%;
  margin-top: 22px;
  padding: 13px;
  background: var(--accent);
  color: var(--text);
  font-weight: 700;
  font-size: 15px;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-family: inherit;
  transition: background .18s, transform .15s;
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.calc-btn:hover { background: var(--accent-dark); transform: translateY(-1px); }
.calc-results {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.calc-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.calc-result-card {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 18px 16px;
  text-align: center;
}
.calc-result-card.primary-result {
  grid-column: 1 / -1;
  background: var(--accent);
  border-color: var(--accent);
}
.calc-result-card .result-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: rgba(255,255,255,.7);
  margin-bottom: 6px;
}
.calc-result-card.primary-result .result-label { color: rgba(0,0,0,.6); }
.calc-result-card .result-value {
  font-size: 26px;
  font-weight: 900;
  color: #fff;
  line-height: 1;
}
.calc-result-card.primary-result .result-value { color: var(--text); font-size: 32px; }
.calc-note {
  background: rgba(255,255,255,.06);
  border-radius: 8px;
  padding: 14px 16px;
  font-size: 12.5px;
  color: rgba(255,255,255,.6);
  line-height: 1.6;
  border-left: 3px solid var(--accent);
}

.calc-input-row-split { display: flex; gap: 10px; }
.calc-input-row-split select { flex: 1; min-width: 0; }

/* Repayment schedule table */
.calc-schedule-wrap {
  max-width: 860px;
  margin: 28px auto 0;
  padding: 0 24px;
}
.calc-schedule-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius) var(--radius) 0 0;
  padding: 16px 20px;
}
.calc-schedule-head h3 {
  margin: 0;
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 8px;
}
.calc-schedule-toggle {
  background: var(--accent);
  color: var(--text);
  border: none;
  border-radius: 6px;
  padding: 8px 14px;
  font-size: 12.5px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: inherit;
  transition: background .18s;
}
.calc-schedule-toggle:hover { background: var(--accent-dark); }
.calc-schedule-table-container {
  max-height: 420px;
  overflow-y: auto;
  overflow-x: auto;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.15);
  border-top: none;
  border-radius: 0 0 var(--radius) var(--radius);
}
.calc-schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.calc-schedule-table thead th {
  position: sticky;
  top: 0;
  background: var(--primary-dark);
  color: #fff;
  text-align: left;
  padding: 10px 14px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .5px;
  font-weight: 700;
  z-index: 1;
  white-space: nowrap;
}
.calc-schedule-table tbody td {
  padding: 9px 14px;
  color: rgba(255,255,255,.85);
  border-top: 1px solid rgba(255,255,255,.08);
  white-space: nowrap;
}
.calc-schedule-table tbody tr:nth-child(even) { background: rgba(255,255,255,.03); }

@media (max-width: 768px) {
  .calc-wrap { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .calc-schedule-wrap { padding: 0 16px; }
  .calc-schedule-table { font-size: 12px; }
  .calc-schedule-table thead th, .calc-schedule-table tbody td { padding: 8px 10px; }
}

/* ── Scroll-reveal transition hooks (elements with no prior hover-transition) ── */
.history-img, .history-text,
.form-panel, .no-vacancy-box, .speculative-box,
.overview-mv > div {
  transition: opacity .6s cubic-bezier(.4,0,.2,1), transform .6s cubic-bezier(.4,0,.2,1);
}

/* ── Scroll-reveal (driven by js/animations.js via IntersectionObserver) ──
   reveal-fade    : elements that already animate `transform` on hover
                     (cards etc.) — fade only, so hover transitions stay untouched.
   reveal-fade-up : elements with no competing transform transition —
                     fade + slide up. ────────────────────────────────────── */
.reveal-fade, .reveal-fade-up { opacity: 0; }
.reveal-fade-up { transform: translateY(22px); }
.reveal-fade.in-view, .reveal-fade-up.in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal-fade, .reveal-fade-up { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* ── Ripple effect (Material-style ink spread on click) ─────────────────── */
.rippling { overflow: hidden; }
.ripple-effect {
  position: absolute;
  border-radius: 50%;
  transform: scale(0);
  background: rgba(255,255,255,.5);
  animation: ripple-anim .6s ease-out;
  pointer-events: none;
}
@keyframes ripple-anim {
  to { transform: scale(1); opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .ripple-effect { display: none; }
}