:root {
    --bg: #f5f7fa;
    --surface: #ffffff;
    --surface-alt: #eef3fa;
    --text: #0a2240;
    --muted: #50627d;
    --primary: #0a2240;
    --primary-dark: #07182d;
    --secondary: #1f5aa6;
    --accent: #d4af37;
    --border: rgba(10, 34, 64, 0.1);
    --shadow: 0 24px 60px rgba(10, 34, 64, 0.12);
    --radius: 22px;
    --container: 1180px;
    --font-heading: 'Poppins', Arial, sans-serif;
    --font-body: 'Inter', Arial, sans-serif;
}

html[data-theme='dark'] {
    --bg: #08111d;
    --surface: #0f1d2f;
    --surface-alt: #12253c;
    --text: #eef5ff;
    --muted: #a9b9d0;
    --primary: #0a2240;
    --primary-dark: #06111f;
    --secondary: #4a84cf;
    --border: rgba(255, 255, 255, 0.08);
    --shadow: 0 24px 60px rgba(0, 0, 0, 0.28);
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: var(--font-body);
    background: linear-gradient(180deg, var(--surface) 0%, var(--bg) 100%);
    color: var(--text);
    line-height: 1.6;
    text-rendering: optimizeLegibility;
    overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6,
.brand strong,
.footer-brand strong,
.button {
    font-family: var(--font-heading);
}

a {
    color: inherit;
    text-decoration: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 3px solid rgba(212, 175, 55, 0.45);
    outline-offset: 3px;
}

.skip-link,
.sr-only {
    position: absolute;
}

.skip-link {
    left: 1rem;
    top: -4rem;
    z-index: 100;
    padding: 0.75rem 1rem;
    border-radius: 12px;
    background: var(--accent);
    color: var(--primary-dark);
    font-weight: 700;
}

.skip-link:focus {
    top: 1rem;
}

.sr-only {
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

img {
    max-width: 100%;
    display: block;
}

iframe,
video,
canvas,
svg {
    max-width: 100%;
}

main {
    display: block;
}

.container {
    width: min(var(--container), calc(100% - 2rem));
    margin: 0 auto;
}

.container > * {
    min-width: 0;
}

.narrow {
    width: min(820px, 100%);
}

.site-shell {
    min-height: 100vh;
}

.topbar {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    align-items: center;
    padding: 0.9rem 0;
    color: #dbe7ff;
    font-size: 0.86rem;
}

.topbar-info {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    align-items: center;
}

.topbar-info a,
.topbar-info span,
.topbar-actions a {
    color: #dbe7ff;
}

.topbar-badge {
    display: inline-flex;
    align-items: center;
    padding: 0.4rem 0.75rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.14);
    font-weight: 700;
    letter-spacing: 0.02em;
}

.topbar-meta {
    padding: 0.4rem 0.75rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    color: rgba(219, 231, 255, 0.9);
    font-weight: 600;
}

.site-alert {
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.site-alert-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 0.7rem 0;
    font-weight: 600;
}

.site-alert-inner strong {
    margin-right: 0.25rem;
}

.site-alert-link {
    flex-shrink: 0;
    color: inherit;
    text-decoration: underline;
    text-underline-offset: 0.2em;
    font-weight: 800;
}

.site-alert-warning {
    background: linear-gradient(135deg, rgba(212, 175, 55, 0.14), rgba(31, 90, 166, 0.12));
    color: #08111d;
}

.site-alert-danger {
    background: linear-gradient(135deg, rgba(180, 35, 24, 0.18), rgba(10, 34, 64, 0.35));
    color: #ffffff;
}

.site-alert-info {
    background: linear-gradient(135deg, rgba(31, 90, 166, 0.2), rgba(10, 34, 64, 0.35));
    color: #ffffff;
}

.site-alert-success {
    background: linear-gradient(135deg, rgba(12, 123, 87, 0.22), rgba(10, 34, 64, 0.35));
    color: #ffffff;
}

.topbar-actions,
.nav-tools {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.topbar-actions {
    flex-wrap: wrap;
    justify-content: flex-end;
}

.social-links {
    display: flex;
    align-items: center;
    gap: 0.45rem;
}

.social-links a {
    width: 2rem;
    height: 2rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.08);
    transition: background 0.2s ease, transform 0.2s ease;
}

.social-links a:hover {
    background: rgba(255, 255, 255, 0.18);
    transform: translateY(-1px);
}

.social-links svg {
    width: 1rem;
    height: 1rem;
}

.lang-switch select {
    padding: 0.55rem 0.85rem;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.22);
    background: rgba(255, 255, 255, 0.1);
    color: #fff;
    font: inherit;
    cursor: pointer;
}

.lang-switch option {
    color: #0a2240;
}

.badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.25rem 0.7rem;
    border-radius: 999px;
    margin-left: 0.6rem;
    font-size: 0.85rem;
    font-weight: 700;
    background: rgba(31, 90, 166, 0.12);
    color: var(--secondary);
    border: 1px solid rgba(31, 90, 166, 0.18);
}

.accordion-body {
    padding: 0 1.4rem 1.3rem;
    color: var(--muted);
}

.accordion-body p {
    margin: 0 0 0.75rem;
    line-height: 1.8;
}

.accordion-body p:last-child {
    margin-bottom: 0;
}

.status-updates {
    margin: 0 0 1.1rem;
    padding-left: 1.2rem;
    display: grid;
    gap: 0.5rem;
}

.status-updates li {
    line-height: 1.7;
}

.site-header {
    background:
        radial-gradient(circle at top left, rgba(212, 175, 55, 0.24), transparent 34%),
        linear-gradient(180deg, var(--primary) 0%, var(--secondary) 100%);
    position: relative;
    box-shadow: 0 8px 25px rgba(10, 34, 64, 0.18);
}

.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding: 0.85rem 0 1rem;
}

.brand,
.footer-brand {
    display: inline-flex;
    align-items: center;
    gap: 0.9rem;
}

.brand strong,
.footer-brand strong {
    display: block;
    font-size: 1rem;
    overflow-wrap: anywhere;
}

.brand small,
.footer-brand small {
    display: block;
    color: var(--muted);
}

.site-header .brand strong,
.site-header .brand small {
    color: #fff;
}

.brand-mark {
    width: 2.85rem;
    height: 2.85rem;
    border-radius: 16px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #e4c96e 0%, var(--accent) 100%);
    color: var(--primary-dark);
    font-weight: 800;
    font-size: 1.25rem;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.3);
}

.site-menu {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    flex-wrap: wrap;
    justify-content: center;
    flex: 1 1 auto;
}

.site-menu a {
    color: rgba(255, 255, 255, 0.82);
    font-weight: 500;
    transition: color 0.2s ease;
    font-size: 0.92rem;
    white-space: normal;
    overflow-wrap: anywhere;
}

.nav-search input,
.search-page-form input {
    min-width: 0;
    background: rgba(255, 255, 255, 0.92);
}

.nav-search input {
    width: 8.5rem;
    padding: 0.8rem 0.95rem;
    border-radius: 999px;
}

.theme-toggle {
    border: 1px solid rgba(255, 255, 255, 0.18);
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
    border-radius: 999px;
    padding: 0.8rem 1rem;
    font: inherit;
    cursor: pointer;
}

.nav-tools {
    flex-shrink: 0;
}

.nav-cta-secondary {
    background: rgba(255, 255, 255, 0.12);
    color: #fff;
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.nav-cta-secondary:hover {
    background: rgba(255, 255, 255, 0.18);
}

.site-menu a:hover,
.site-menu a.active {
    color: #fff;
}

.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    max-width: 100%;
    border: 0;
    border-radius: 999px;
    padding: 0.95rem 1.35rem;
    font-weight: 700;
    text-align: center;
    white-space: normal;
    cursor: pointer;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.button:hover {
    transform: translateY(-1px);
}

.button-primary {
    background: linear-gradient(135deg, var(--accent), #e4c96e);
    color: var(--primary-dark);
    box-shadow: 0 12px 24px rgba(212, 175, 55, 0.28);
}

.button-secondary {
    background: rgba(31, 90, 166, 0.16);
    color: #0d3e78;
    border: 1px solid rgba(13, 62, 120, 0.16);
}

.button-ghost {
    background: rgba(10, 34, 64, 0.06);
    color: var(--text);
    border: 1px solid rgba(10, 34, 64, 0.14);
}

.nav-cta {
    flex-shrink: 0;
}

.menu-toggle {
    display: none;
    width: 3rem;
    height: 3rem;
    padding: 0.8rem 0.7rem;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 16px;
    cursor: pointer;
}

.menu-toggle span {
    display: block;
    width: 100%;
    height: 2px;
    margin: 0.3rem 0;
    background: #fff;
}

.hero-section,
.page-hero {
    padding: 5.5rem 0 4rem;
    background:
        radial-gradient(circle at right top, rgba(212, 175, 55, 0.14), transparent 22%),
        linear-gradient(180deg, rgba(10, 34, 64, 0.04) 0%, transparent 100%);
}

.hero-grid,
.split-section,
.contact-layout {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 2rem;
    align-items: center;
}

.hero-section h1,
.page-hero h1 {
    margin: 0.5rem 0 1rem;
    font-size: clamp(2.6rem, 4vw, 4.5rem);
    line-height: 1.1;
    letter-spacing: -0.03em;
}

.page-hero h1 {
    font-size: clamp(2.3rem, 3.6vw, 3.8rem);
}

.hero-copy,
.page-hero p,
.section-heading p,
.info-card p,
.icon-card p,
.mini-card p,
.highlight-card p,
.quote-card p,
.footer-copy,
.contact-panel p {
    color: var(--muted);
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.4rem 0.8rem;
    border-radius: 999px;
    background: rgba(31, 90, 166, 0.08);
    color: var(--secondary);
    font-size: 0.86rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.breadcrumbs {
    margin-top: 0.9rem;
    font-size: 0.92rem;
}

.breadcrumbs ol {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 0.55rem;
    align-items: center;
    color: var(--muted);
}

.breadcrumbs li {
    display: inline-flex;
    align-items: center;
    gap: 0.55rem;
}

.breadcrumbs li::after {
    content: '/';
    color: rgba(10, 34, 64, 0.35);
}

html[data-theme='dark'] .breadcrumbs li::after {
    color: rgba(235, 242, 255, 0.35);
}

.breadcrumbs li[aria-current='page']::after {
    content: '';
}

.breadcrumbs a {
    color: inherit;
    text-decoration: none;
}

.breadcrumbs a:hover,
.breadcrumbs a:focus-visible {
    color: var(--secondary);
    text-decoration: underline;
    text-underline-offset: 0.2em;
}

.breadcrumbs span {
    color: var(--text);
    font-weight: 700;
}

.hero-actions,
.hero-stats,
.hero-badges,
.footer-bottom,
.contact-points {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
}

.hero-stats article,
.hero-card,
.info-card,
.icon-card,
.mini-card,
.highlight-card,
.quote-card,
.form-card,
.contact-panel {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: transform 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease;
}

.hero-card,
.contact-panel,
.form-card,
.highlight-card {
    padding: 2rem;
    min-width: 0;
}

.glass-card {
    background: rgba(255, 255, 255, 0.82);
    backdrop-filter: blur(16px);
}

html[data-theme='dark'] .glass-card {
    background: rgba(15, 29, 47, 0.88);
}

.hero-panel {
    display: grid;
    gap: 1rem;
}

.card-label {
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.feature-list {
    margin: 1rem 0 0;
    padding-left: 1.1rem;
}

.feature-list li {
    margin-bottom: 0.7rem;
}

.hero-stats article {
    flex: 1 1 180px;
    padding: 1.2rem;
    min-width: 0;
}

.hero-stats strong {
    display: block;
    font-size: 1.1rem;
    margin-bottom: 0.3rem;
}

.hero-badges span,
.trust-items span {
    padding: 0.75rem 1rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.75);
    border: 1px solid rgba(10, 34, 64, 0.08);
    color: var(--text);
    font-weight: 600;
}

.hero-card:hover,
.info-card:hover,
.icon-card:hover,
.mini-card:hover,
.quote-card:hover,
.highlight-card:hover {
    transform: translateY(-4px);
}

.trust-strip {
    padding-bottom: 1.5rem;
}

.trust-items {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    justify-content: center;
}

.impact-stats {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1rem;
    margin-bottom: 1.75rem;
}

.impact-stats article,
.impact-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.impact-stats article {
    padding: 1.3rem;
    text-align: center;
}

.impact-stats strong {
    display: block;
    font-family: var(--font-heading);
    font-size: 1.65rem;
    color: var(--secondary);
}

.impact-stats span {
    color: var(--muted);
}

.impact-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.impact-card {
    overflow: hidden;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.impact-card:hover {
    transform: translateY(-4px);
}

.impact-card img {
    width: 100%;
    aspect-ratio: 16 / 10;
    object-fit: cover;
    background: linear-gradient(135deg, rgba(31, 90, 166, 0.08), rgba(212, 175, 55, 0.12));
}

.impact-card-body {
    padding: 1.35rem;
}

.impact-card-body h3 {
    margin-top: 0;
    margin-bottom: 0.55rem;
}

.impact-card-body p {
    margin: 0;
    color: var(--muted);
    overflow-wrap: anywhere;
}

.loan-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.loan-card {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding: 1.6rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.loan-card:hover {
    transform: translateY(-4px);
}

.loan-card h3 {
    margin: 0;
}

.loan-card p {
    margin: 0;
    color: var(--muted);
}

.loan-card strong {
    color: var(--text);
}

.loan-card .button {
    margin-top: auto;
    align-self: flex-start;
}

.digital-showcase,
.digital-screens {
    display: grid;
    gap: 1.4rem;
}

.digital-showcase {
    grid-template-columns: 1.1fr 1fr;
    align-items: start;
}

.digital-screens {
    grid-template-columns: 1fr;
}

.dashboard-shot {
    padding: 1rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: calc(var(--radius) + 4px);
    box-shadow: var(--shadow);
}

.dashboard-shot img {
    width: 100%;
    border-radius: 18px;
    display: block;
}

.digital-features-panel {
    display: grid;
    gap: 1.4rem;
}

.digital-feature-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.leadership-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.leader-card {
    overflow: hidden;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.leader-card:hover {
    transform: translateY(-4px);
}

.leader-card img {
    width: 100%;
    aspect-ratio: 4 / 3;
    object-fit: cover;
    display: block;
    background: linear-gradient(135deg, rgba(31, 90, 166, 0.08), rgba(212, 175, 55, 0.12));
}

.leader-body {
    display: grid;
    gap: 0.85rem;
    padding: 1.4rem;
}

.leader-body h3,
.leader-body p {
    margin: 0;
}

.leader-body p {
    color: var(--muted);
    overflow-wrap: anywhere;
}

.leader-body strong {
    color: var(--text);
}

.leader-body a {
    color: var(--secondary);
    font-weight: 700;
}

.section {
    padding: 5rem 0;
}

.section-soft {
    background: linear-gradient(180deg, rgba(31, 90, 166, 0.05) 0%, rgba(255, 255, 255, 0.6) 100%);
}

.section-dark {
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: #fff;
}

.section-dark .eyebrow {
    background: rgba(255, 255, 255, 0.1);
    color: #dbe7ff;
}

.section-dark p,
.section-dark .mini-card p {
    color: rgba(255, 255, 255, 0.78);
}

.section-heading {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 2rem;
}

.left-align {
    text-align: left;
    margin-left: 0;
}

.section-heading h2,
.split-section h2,
.contact-panel h2,
.highlight-card h3,
.hero-card h2 {
    margin: 0.5rem 0 0.8rem;
    font-size: clamp(1.8rem, 3vw, 2.8rem);
    line-height: 1.15;
}

.cards-grid,
.quotes-grid,
.stacked-cards {
    display: grid;
    gap: 1.4rem;
}

.three-column {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.resource-toolbar {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}

.resource-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
}

.chip {
    appearance: none;
    border: 1px solid rgba(10, 34, 64, 0.14);
    background: rgba(31, 90, 166, 0.06);
    color: var(--text);
    border-radius: 999px;
    padding: 0.6rem 0.95rem;
    font-weight: 700;
    cursor: pointer;
}

.chip.is-active {
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: #fff;
    border-color: rgba(255, 255, 255, 0.18);
}

.chip:focus-visible {
    outline: 3px solid rgba(212, 175, 55, 0.32);
    outline-offset: 2px;
}

.resource-card .button {
    margin-top: 0.5rem;
}

.four-column {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.info-card,
.icon-card,
.mini-card,
.quote-card {
    padding: 1.7rem;
    min-width: 0;
}

.info-card h3,
.icon-card h3,
.mini-card h3,
.quote-card strong {
    margin-top: 0;
}

.info-card a {
    color: var(--secondary);
    font-weight: 700;
}

.icon-card {
    min-height: 100%;
}

.dark-list {
    color: var(--text);
}

.testimonial-panel {
    display: grid;
    gap: 1.5rem;
}

.quotes-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.quote-card {
    background: linear-gradient(180deg, #ffffff 0%, #f7f9fc 100%);
}

html[data-theme='dark'] .quote-card {
    background: linear-gradient(180deg, #12253c 0%, #0f1d2f 100%);
}

.testimonial-slider {
    display: grid;
    gap: 1.4rem;
}

.testimonial-track {
    position: relative;
    min-height: 300px;
}

.testimonial-card {
    display: none;
    padding: 2rem;
    background: linear-gradient(180deg, #ffffff 0%, #f7f9fc 100%);
    border: 1px solid var(--border);
    border-radius: calc(var(--radius) + 2px);
    box-shadow: var(--shadow);
}

html[data-theme='dark'] .testimonial-card {
    background: linear-gradient(180deg, #12253c 0%, #0f1d2f 100%);
}

.testimonial-card.is-active {
    display: block;
}

.testimonial-top {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 1.25rem;
}

.testimonial-avatar {
    width: 3.5rem;
    height: 3.5rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--secondary), var(--primary));
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
}

.testimonial-top h3,
.testimonial-top p,
.testimonial-card blockquote {
    margin: 0;
}

.testimonial-top p {
    color: var(--muted);
}

.verified-badge {
    margin-left: auto;
    padding: 0.5rem 0.85rem;
    border-radius: 999px;
    background: rgba(21, 147, 94, 0.12);
    color: #0f7b56;
    font-weight: 700;
    font-size: 0.88rem;
}

.testimonial-card blockquote {
    color: var(--text);
    font-size: 1.08rem;
    line-height: 1.8;
}

.testimonial-controls {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.slider-button {
    border: 1px solid var(--border);
    background: var(--surface);
    color: var(--text);
    border-radius: 999px;
    padding: 0.8rem 1rem;
    font: inherit;
    font-weight: 700;
    cursor: pointer;
}

.slider-dots {
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.slider-dot {
    width: 0.85rem;
    height: 0.85rem;
    border: 0;
    border-radius: 50%;
    background: rgba(31, 90, 166, 0.22);
    cursor: pointer;
}

.slider-dot.is-active {
    background: var(--secondary);
}

.partner-groups {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.4rem;
}

.partner-group {
    padding: 1.5rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.partner-group h3 {
    margin-top: 0;
    margin-bottom: 1rem;
}

.partner-logos {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.partner-logo {
    min-height: 92px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1rem;
    border-radius: 20px;
    background: linear-gradient(180deg, #ffffff 0%, #f5f8fc 100%);
    border: 1px solid rgba(10, 34, 64, 0.08);
}

html[data-theme='dark'] .partner-logo {
    background: linear-gradient(180deg, #12253c 0%, #0f1d2f 100%);
}

.partner-logo span {
    color: var(--primary);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
    letter-spacing: 0.04em;
}

.faq-grid {
    display: grid;
    gap: 1rem;
    max-width: 980px;
    margin: 0 auto;
}

.faq-item {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 20px;
    box-shadow: var(--shadow);
    overflow: hidden;
}

.faq-item summary {
    position: relative;
    list-style: none;
    cursor: pointer;
    padding: 1.25rem 3.5rem 1.25rem 1.4rem;
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 700;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary::after {
    content: '+';
    position: absolute;
    right: 1.25rem;
    top: 50%;
    transform: translateY(-50%);
    font-size: 1.5rem;
    color: var(--secondary);
}

.faq-item[open] summary::after {
    content: '-';
}

.faq-item p {
    margin: 0;
    padding: 0 1.4rem 1.3rem;
    color: var(--muted);
    line-height: 1.8;
}

.news-grid {
    align-items: stretch;
}

.news-card {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding: 1.6rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.news-card-featured {
    grid-column: span 2;
}

.news-card h3,
.news-card p {
    margin: 0;
}

.news-card p {
    color: var(--muted);
    line-height: 1.8;
    overflow-wrap: anywhere;
}

.news-card a {
    color: var(--secondary);
    font-weight: 700;
}

.news-list {
    display: grid;
    gap: 0.85rem;
}

.news-link {
    display: grid;
    gap: 0.3rem;
    padding: 1rem 1.1rem;
    border-radius: 18px;
    background: linear-gradient(180deg, #ffffff 0%, #f5f8fc 100%);
    border: 1px solid rgba(10, 34, 64, 0.08);
}

html[data-theme='dark'] .news-link {
    background: linear-gradient(180deg, #12253c 0%, #0f1d2f 100%);
}

.news-link strong,
.news-link span {
    color: inherit;
}

.news-link span {
    color: var(--muted);
    font-size: 0.92rem;
}

.history-timeline,
.awards-grid {
    display: grid;
    gap: 1rem;
}

.timeline-card,
.award-card {
    padding: 1.4rem 1.5rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 20px;
    box-shadow: var(--shadow);
}

.timeline-card {
    border-left: 4px solid var(--accent);
}

.timeline-card strong,
.award-card strong {
    display: block;
    margin-bottom: 0.55rem;
    font-family: var(--font-heading);
    font-size: 1.05rem;
}

.timeline-card p,
.award-card p {
    margin: 0;
    color: var(--muted);
    line-height: 1.8;
    overflow-wrap: anywhere;
}

.awards-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.about-stats {
    margin-top: 1.5rem;
}

.compact-list {
    gap: 0.75rem;
    margin-top: 1.1rem;
}

.loan-calculator-card {
    padding: 1.6rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.loan-calculator-form {
    display: grid;
    gap: 1.25rem;
}

.range-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    margin-top: 0.55rem;
    color: var(--muted);
    font-size: 0.92rem;
}

.range-meta output {
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--text);
}

.loan-result-panel {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.loan-result-panel article {
    padding: 1.15rem;
    border-radius: 18px;
    background: linear-gradient(180deg, #ffffff 0%, #f5f8fc 100%);
    border: 1px solid rgba(10, 34, 64, 0.08);
    display: grid;
    gap: 0.35rem;
}

html[data-theme='dark'] .loan-result-panel article {
    background: linear-gradient(180deg, #12253c 0%, #0f1d2f 100%);
}

.loan-result-panel strong {
    font-family: var(--font-heading);
    font-size: 1.25rem;
}

.loan-result-panel span {
    color: var(--muted);
}

.fee-table-wrap {
    overflow-x: auto;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    -webkit-overflow-scrolling: touch;
}

.fee-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 620px;
}

.fee-table th,
.fee-table td {
    padding: 1rem 1.15rem;
    text-align: left;
    border-bottom: 1px solid var(--border);
    vertical-align: top;
}

.fee-table th {
    font-family: var(--font-heading);
    background: rgba(31, 90, 166, 0.08);
}

.fee-table tbody tr:last-child td {
    border-bottom: 0;
}

.section-note {
    margin: 1rem 0 0;
    color: var(--muted);
}

.map-card {
    padding: 0.8rem;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.map-embed {
    width: 100%;
    min-height: 420px;
    border: 0;
    border-radius: 18px;
}

.branch-card {
    display: grid;
    gap: 0.75rem;
}

.branch-card h3,
.branch-card p {
    margin: 0;
}

.branch-card p {
    color: var(--muted);
}

.branch-card strong {
    color: var(--text);
}

.branch-card a {
    color: var(--secondary);
    font-weight: 600;
}

.cta-section {
    padding-top: 0;
}

.cta-banner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding: 2rem;
    border-radius: calc(var(--radius) + 6px);
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: #fff;
    box-shadow: var(--shadow);
}

.cta-banner > * {
    min-width: 0;
}

.cta-banner .eyebrow {
    background: rgba(255, 255, 255, 0.12);
    color: #fff;
}

.cta-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex-wrap: wrap;
}

.site-footer {
    background: var(--primary-dark);
    color: #d6e1f5;
    padding: 4rem 0 2rem;
}

.newsletter-form {
    display: grid;
    gap: 0.85rem;
    margin-bottom: 1.25rem;
}

.newsletter-form .button,
.newsletter-form .recaptcha-wrap,
.newsletter-form .hp-field {
    width: 100%;
}

.checkbox-field {
    display: grid;
    grid-template-columns: auto 1fr;
    align-items: start;
    gap: 0.75rem;
}

.checkbox-field input {
    width: auto;
    margin-top: 0.25rem;
}

.hp-field {
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.footer-contact-list {
    display: grid;
    gap: 0.35rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1.1fr 1.2fr;
    gap: 2rem;
}

.footer-grid > * {
    min-width: 0;
}

.site-footer h3 {
    color: #fff;
    margin-top: 0;
}

.site-footer a,
.site-footer p {
    display: block;
    color: #d6e1f5;
    margin: 0 0 0.75rem;
    overflow-wrap: anywhere;
}

.site-footer .social-links {
    margin-top: 0.75rem;
}

.site-footer .social-links a {
    display: inline-flex;
    color: #d6e1f5;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
}

.site-footer .social-links a:hover {
    background: rgba(255, 255, 255, 0.16);
}

.footer-copy {
    max-width: 420px;
}

.live-chat-widget {
    position: fixed;
    right: 1.25rem;
    bottom: 1.25rem;
    z-index: 50;
    display: grid;
    gap: 0.75rem;
}

.live-chat-launcher {
    appearance: none;
    border: 0;
    border-radius: 999px;
    padding: 0.9rem 1.15rem;
    font-weight: 800;
    letter-spacing: 0.01em;
    background: linear-gradient(135deg, var(--secondary) 0%, var(--primary) 100%);
    color: #fff;
    cursor: pointer;
    box-shadow: 0 18px 40px rgba(10, 34, 64, 0.28);
}

.live-chat-launcher:focus-visible {
    outline: 3px solid rgba(212, 175, 55, 0.38);
    outline-offset: 3px;
}

.live-chat-panel {
    width: min(360px, calc(100vw - 2.5rem));
    border-radius: 22px;
    background: var(--surface);
    border: 1px solid var(--border);
    box-shadow: 0 24px 70px rgba(10, 34, 64, 0.3);
    overflow: hidden;
}

.live-chat-panel-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.1rem;
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: #fff;
}

.live-chat-close {
    appearance: none;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.1);
    color: #fff;
    border-radius: 999px;
    padding: 0.4rem 0.75rem;
    font: inherit;
    cursor: pointer;
}

.live-chat-panel-body {
    padding: 1.1rem;
    display: grid;
    gap: 0.85rem;
}

.live-chat-panel-body .footer-copy {
    max-width: none;
}

.footer-bottom {
    justify-content: space-between;
    align-items: center;
    margin-top: 2rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(214, 225, 245, 0.12);
}

.footer-bottom > * {
    min-width: 0;
    overflow-wrap: anywhere;
}

.contact-layout {
    align-items: start;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.1rem;
}

.form-field {
    display: flex;
    flex-direction: column;
    gap: 0.45rem;
}

.full-span {
    grid-column: 1 / -1;
}

label {
    font-weight: 600;
}

input,
select,
textarea {
    width: 100%;
    min-width: 0;
    padding: 0.95rem 1rem;
    border: 1px solid rgba(10, 34, 64, 0.16);
    border-radius: 16px;
    font: inherit;
    color: var(--text);
    background: #fff;
}

textarea {
    resize: vertical;
}

input[type="file"] {
    padding: 0.85rem 1rem;
}

input:focus,
select:focus,
textarea:focus {
    outline: 2px solid rgba(31, 90, 166, 0.16);
    border-color: var(--secondary);
}

input[aria-invalid='true'],
select[aria-invalid='true'],
textarea[aria-invalid='true'] {
    border-color: #b42318;
    background: rgba(212, 39, 29, 0.04);
}

.alert {
    margin-bottom: 1.2rem;
    padding: 1rem 1.1rem;
    border-radius: 16px;
    font-weight: 600;
}

.alert-success {
    background: rgba(27, 148, 102, 0.1);
    color: #0e6b49;
    border: 1px solid rgba(27, 148, 102, 0.22);
}

.alert-error,
.field-error {
    color: #b42318;
}

.alert-footer {
    margin-bottom: 0.8rem;
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
    border: 1px solid rgba(255, 255, 255, 0.12);
}

.alert-error {
    background: rgba(212, 39, 29, 0.08);
    border: 1px solid rgba(212, 39, 29, 0.18);
}

.field-error {
    font-size: 0.86rem;
    font-weight: 700;
}

.chip[aria-pressed='true'],
.slider-dot[aria-pressed='true'] {
    box-shadow: 0 0 0 3px rgba(31, 90, 166, 0.14);
}

.recaptcha-wrap {
    margin: 1rem 0 1.2rem;
}

.meta-inline {
    color: var(--secondary);
    font-weight: 700;
    font-size: 0.9rem;
}

.meta-inline span {
    color: var(--muted);
    margin: 0 0.35rem;
}

.article-content,
.policy-content {
    display: grid;
    gap: 1rem;
}

.article-content p,
.policy-content p {
    margin: 0;
}

.blog-card h2,
.search-results h2 {
    font-size: 1.4rem;
}

.search-page-form {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.search-results {
    display: grid;
    gap: 1rem;
}

.fade-in-up {
    animation: fadeInUp 0.7s ease both;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(18px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@media (max-width: 1360px) {
    .topbar {
        padding: 0.7rem 0;
    }

    .topbar-info {
        gap: 0.75rem;
    }

    .topbar-info > span:not(.topbar-meta),
    .topbar-badge,
    .topbar-meta,
    .social-links,
    .topbar-actions > a {
        display: none;
    }

    .menu-toggle {
        display: inline-block;
    }

    .nav-cta-secondary,
    .nav-search {
        display: none;
    }

    .navbar {
        position: relative;
        flex-wrap: wrap;
        row-gap: 0.9rem;
    }

    .brand {
        flex: 1 1 auto;
        min-width: 0;
    }

    .site-menu {
        position: absolute;
        top: calc(100% + 0.5rem);
        left: 1rem;
        right: 1rem;
        display: none;
        order: initial;
        width: auto;
        flex-direction: column;
        align-items: flex-start;
        justify-content: flex-start;
        gap: 0.75rem;
        padding: 1rem;
        background: var(--primary);
        border-radius: 20px;
        box-shadow: 0 18px 40px rgba(10, 34, 64, 0.28);
        z-index: 25;
    }

    .site-menu.is-open {
        display: flex;
    }

    .nav-tools {
        margin-left: auto;
        justify-content: flex-end;
        flex-wrap: wrap;
    }
}

@media (max-width: 1180px) {
    .topbar {
        gap: 0.75rem;
    }

    .lang-switch {
        display: none;
    }

    .nav-tools {
        width: 100%;
        margin-left: 0;
        justify-content: flex-start;
        flex-wrap: wrap;
    }

    .nav-cta,
    .nav-cta-secondary {
        display: inline-flex;
        flex: 1 1 220px;
        min-width: 0;
    }

    .footer-copy {
        max-width: none;
    }
}

@media (max-width: 1100px) {
    .three-column,
    .four-column,
    .footer-grid,
    .impact-stats,
    .loan-grid,
    .digital-showcase,
    .leadership-grid,
    .loan-result-panel,
    .awards-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .hero-grid,
    .split-section,
    .contact-layout {
        grid-template-columns: 1fr;
    }

    .digital-showcase {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 860px) {
    .topbar {
        flex-direction: column;
        align-items: flex-start;
    }

    .nav-search {
        display: none;
    }

    .nav-tools {
        width: 100%;
        justify-content: flex-start;
        gap: 0.65rem;
    }

    .nav-cta,
    .nav-cta-secondary {
        flex: 1 1 calc(50% - 0.65rem);
    }

    .site-menu {
        left: 0;
        right: 0;
    }

    .site-menu a {
        width: 100%;
    }

    .quotes-grid,
    .form-grid,
    .footer-grid,
    .three-column,
    .four-column,
    .impact-grid,
    .impact-stats,
    .loan-grid,
    .loan-result-panel,
    .digital-feature-grid,
    .leadership-grid,
    .partner-groups,
    .partner-logos,
    .awards-grid {
        grid-template-columns: 1fr;
    }

    .news-card-featured {
        grid-column: span 1;
    }

    .cta-banner,
    .footer-bottom {
        flex-direction: column;
        align-items: flex-start;
    }

    .newsletter-form .button {
        width: 100%;
    }

    .cta-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .testimonial-controls {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 640px) {
    .hero-section,
    .page-hero,
    .section,
    .site-footer {
        padding-top: 3.75rem;
        padding-bottom: 3.75rem;
    }

    .hero-actions .button,
    .cta-banner .button,
    .search-page-form .button {
        width: 100%;
    }

    .topbar-info,
    .topbar-actions {
        width: 100%;
        justify-content: flex-start;
        flex-wrap: wrap;
    }

    .topbar-info a,
    .topbar-info span {
        overflow-wrap: anywhere;
    }

    .navbar {
        align-items: flex-start;
    }

    .brand {
        max-width: calc(100% - 4rem);
    }

    .nav-tools {
        flex-direction: column;
        align-items: stretch;
    }

    .nav-tools .theme-toggle,
    .nav-tools .nav-cta,
    .nav-tools .nav-cta-secondary {
        width: 100%;
    }

    .hero-card,
    .contact-panel,
    .form-card,
    .highlight-card,
    .loan-card,
    .partner-group,
    .timeline-card,
    .award-card,
    .news-card,
    .testimonial-card {
        padding: 1.2rem;
    }

    .live-chat-widget {
        right: 0.85rem;
        bottom: 0.85rem;
    }

    .live-chat-panel {
        width: min(100vw - 1.7rem, 360px);
    }

    .search-page-form {
        grid-template-columns: 1fr;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation: none !important;
        transition: none !important;
    }
}