:root{
    --navy:#24377f;
    --navy-dark:#111d4f;
    --gold:#c7a133;
    --gold-dark:#a98622;
    --soft:#f6f7fb;
    --ink:#111827;
    --muted:#6b7280;
    --border:#e5e7eb;
    --white:#ffffff;
    --shadow:0 20px 60px rgba(17,29,79,.12);
}
*{box-sizing:border-box}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{text-decoration:none;color:inherit}.top-strip{background:var(--navy-dark);color:#fff;font-size:.92rem;padding:9px 0}.top-strip a{color:#fff;opacity:.95}.main-nav{background:rgba(255,255,255,.96);backdrop-filter:blur(15px);box-shadow:0 10px 35px rgba(17,29,79,.08)}.navbar-brand .brand-icon{width:52px;height:52px;object-fit:contain;border-radius:14px;background:#fff;box-shadow:0 12px 28px rgba(0,0,0,.08)}.brand-icon.small{width:40px;height:40px}.brand-text{display:flex;flex-direction:column;line-height:1.05;color:var(--navy)}.brand-text small{font-size:.72rem;color:var(--gold-dark);font-weight:700;text-transform:none}.nav-link{font-weight:700;color:#25305c!important}.nav-link.active,.nav-link:hover{color:var(--gold-dark)!important}.btn{border-radius:999px;font-weight:800;padding:.75rem 1.35rem}.btn-sm{padding:.48rem 1rem}.btn-lg{padding:.95rem 1.55rem}.btn-gold{background:linear-gradient(135deg,#e7c861,var(--gold));border-color:var(--gold);color:#17204b;box-shadow:0 12px 28px rgba(199,161,51,.25)}.btn-gold:hover{background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:#fff;border-color:var(--gold-dark)}.btn-navy{background:var(--navy);border-color:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-dark);border-color:var(--navy-dark);color:#fff}.btn-outline-navy{border:2px solid var(--navy);color:var(--navy);background:transparent}.btn-outline-navy:hover{background:var(--navy);color:#fff}.hero-section{position:relative;overflow:hidden;padding:110px 0 80px;background:radial-gradient(circle at top left,rgba(199,161,51,.18),transparent 36%),linear-gradient(135deg,#f8faff,#fff)}.hero-shape{position:absolute;border-radius:50%;filter:blur(2px);opacity:.6}.hero-shape-one{width:320px;height:320px;background:rgba(36,55,127,.08);right:-100px;top:50px}.hero-shape-two{width:220px;height:220px;background:rgba(199,161,51,.18);left:-80px;bottom:-60px}.eyebrow{display:inline-flex;align-items:center;gap:.3rem;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:900;color:var(--gold-dark);margin-bottom:1rem}.eyebrow.light{color:#f8dc7c}.hero-section h1,.page-hero h1{font-size:clamp(2.4rem,5vw,4.8rem);line-height:1.04;font-weight:950;letter-spacing:-.055em;color:var(--navy-dark);margin-bottom:1.2rem}.hero-section .lead{font-size:1.2rem;color:#4b5563;max-width:760px}.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin:2rem 0}.trust-row{display:flex;gap:1rem;flex-wrap:wrap;margin-top:2rem}.trust-row div{background:#fff;border:1px solid var(--border);border-radius:18px;padding:1rem 1.25rem;min-width:140px;box-shadow:0 10px 30px rgba(17,29,79,.06)}.trust-row strong{display:block;color:var(--navy);font-size:1.25rem}.trust-row span{font-size:.85rem;color:var(--muted);font-weight:700}.hero-card{position:relative}.hero-person-panel{position:relative;border-radius:32px;overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(36,55,127,.08);background:#fff;transform:rotate(1deg)}.hero-person-panel img{width:100%;display:block;aspect-ratio:4/5;object-fit:cover}.hero-person-badge{position:absolute;left:20px;bottom:20px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border:1px solid rgba(36,55,127,.1);box-shadow:0 10px 30px rgba(17,29,79,.12);border-radius:999px;padding:10px 16px}.hero-person-badge span{display:flex;align-items:center;gap:.55rem;color:var(--navy-dark);font-size:.9rem;font-weight:850}.hero-person-badge i{color:var(--gold-dark)}.section-pad{padding:85px 0}.bg-soft{background:var(--soft)}.bg-navy{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff}.section-title{font-weight:950;letter-spacing:-.035em;color:var(--navy-dark);font-size:clamp(2rem,3.5vw,3rem);line-height:1.1}.section-intro{max-width:730px;margin:0 auto;color:var(--muted);font-size:1.08rem}.feature-card,.value-card,.mission-card,.contact-card,.step-card,.application-form-card,.application-side-card,.admin-card,.side-apply-card,.info-panel{background:#fff;border:1px solid var(--border);border-radius:28px;padding:28px;box-shadow:0 16px 45px rgba(17,29,79,.07)}.feature-card{height:100%;transition:.25s}.feature-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.feature-icon{width:58px;height:58px;border-radius:18px;background:rgba(199,161,51,.14);color:var(--gold-dark);display:grid;place-items:center;font-size:1.35rem;margin-bottom:1.25rem}.feature-card h5,.value-card h5{font-weight:900;color:var(--navy-dark)}.feature-card p,.value-card p{color:var(--muted);margin-bottom:0}.vision-box{background:linear-gradient(135deg,var(--navy),var(--navy-dark));color:#fff;border-radius:32px;padding:40px;box-shadow:var(--shadow);position:relative;overflow:hidden}.vision-box:after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;border:35px solid rgba(199,161,51,.25);right:-75px;bottom:-95px}.vision-box span,.mission-card span{display:inline-block;color:#f0cf66;font-weight:900;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;margin-bottom:1rem}.vision-box h3,.mission-card h3{font-weight:950;line-height:1.15}.amount-card{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;border-radius:32px;padding:35px;box-shadow:var(--shadow)}.amount-card span{text-transform:uppercase;color:#f0cf66;font-weight:900;letter-spacing:.12em;font-size:.75rem}.amount-card h3{font-size:2rem;font-weight:950;margin:1rem 0}.use-card{border:1px solid var(--border);border-radius:24px;padding:26px;background:#fff;height:100%;display:flex;gap:1rem;align-items:center;box-shadow:0 12px 30px rgba(17,29,79,.06)}.use-card i{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:rgba(36,55,127,.08);color:var(--navy);font-size:1.25rem}.use-card h5{margin:0;font-weight:850}.values-preview h2{font-weight:950;letter-spacing:-.035em}.values-preview p{opacity:.85}.mini-value{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:16px 18px;font-weight:850}.mini-value i{color:#f0cf66;margin-right:.7rem}.process-line{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;position:relative}.process-step{background:#fff;border:1px solid var(--border);border-radius:24px;padding:28px;box-shadow:0 12px 35px rgba(17,29,79,.07)}.process-step span,.step-number{width:46px;height:46px;display:grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:900;margin-bottom:1rem}.process-step h5,.step-card h5{font-weight:900;color:var(--navy-dark)}.process-step p,.step-card p{margin:0;color:var(--muted)}.page-hero{padding:80px 0;background:linear-gradient(135deg,#f8faff,#fff);border-bottom:1px solid var(--border)}.page-hero.compact{padding:65px 0}.page-hero p{max-width:820px;color:#4b5563;font-size:1.13rem}.shadow-soft{box-shadow:var(--shadow)}.mission-card{height:100%}.mission-card.gold-card{background:linear-gradient(135deg,#f9e595,var(--gold));color:#17204b}.mission-card.gold-card span{color:var(--navy)}.value-card i{width:54px;height:54px;border-radius:17px;background:rgba(36,55,127,.08);color:var(--navy);display:grid;place-items:center;font-size:1.3rem;margin-bottom:1.2rem}.loan-range-box{margin-top:2rem;border:1px solid rgba(199,161,51,.35);background:#fff8df;border-radius:26px;padding:24px;display:flex;align-items:center;justify-content:space-between;gap:1rem}.loan-range-box span{display:block;color:var(--muted);font-weight:800}.loan-range-box strong{font-size:1.55rem;color:var(--navy-dark);font-weight:950}.check-item{background:#fff;border:1px solid var(--border);border-radius:18px;padding:16px;font-weight:800}.check-item i{color:var(--gold-dark);margin-right:.7rem}.side-apply-card{top:110px}.side-apply-card h3,.info-panel h3{font-weight:950;color:var(--navy-dark)}.side-apply-card li{margin-bottom:.5rem}.step-card{text-align:center}.step-card i{font-size:2rem;color:var(--gold-dark);margin-bottom:1rem}.step-number{margin:0 auto 1rem}.info-panel{background:linear-gradient(135deg,var(--navy),var(--navy-dark));color:#fff}.info-panel h3{color:#fff}.info-panel p{opacity:.88}.premium-accordion .accordion-item{border:1px solid var(--border);border-radius:20px!important;overflow:hidden;margin-bottom:1rem;box-shadow:0 12px 30px rgba(17,29,79,.05)}.premium-accordion .accordion-button{font-weight:900;color:var(--navy-dark);padding:1.25rem}.premium-accordion .accordion-button:not(.collapsed){background:#fff8df;color:var(--navy-dark);box-shadow:none}.contact-card{text-align:center}.contact-card i{font-size:2rem;color:var(--gold-dark);margin-bottom:1rem}.contact-card h5{font-weight:900;color:var(--navy-dark)}.contact-card a{font-weight:900;color:var(--navy)}.map-placeholder{background:var(--soft);border:1px dashed #cbd5e1;border-radius:28px;padding:45px;text-align:center}.map-placeholder i{font-size:3rem;color:var(--navy);margin-bottom:1rem}.narrow-content{max-width:850px}.narrow-content h2,.narrow-content h4{color:var(--navy-dark);font-weight:900}.application-form-card{padding:34px}.form-heading h2{font-weight:950;color:var(--navy-dark);margin-bottom:.25rem}.form-heading p{color:var(--muted)}.form-label{font-weight:800;color:#26335d}.form-control,.form-select{border-radius:16px;border:1px solid #dbe1ea}.form-control:focus,.form-select:focus{border-color:var(--gold);box-shadow:0 0 0 .25rem rgba(199,161,51,.15)}.consent-box{background:var(--soft);border-radius:18px;padding:18px 18px 18px 46px}.application-side-card{position:sticky;top:110px}.application-side-card h3{font-weight:950;color:var(--navy-dark)}.side-point{display:flex;gap:.75rem;align-items:flex-start;margin:1rem 0;font-weight:800}.side-point i{color:var(--gold-dark);margin-top:.2rem}.response-modal{border:0;border-radius:28px;box-shadow:var(--shadow)}.modal-icon{width:72px;height:72px;border-radius:50%;background:#dcfce7;color:#16a34a;margin:0 auto 1.2rem;display:grid;place-items:center;font-size:2rem}.modal-icon.error{background:#fee2e2;color:#dc2626}.final-cta{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:70px 0}.final-cta h2{font-weight:950;letter-spacing:-.035em}.final-cta p{opacity:.85;margin:0}.site-footer{background:#0a1236;color:rgba(255,255,255,.82);padding:60px 0 25px}.site-footer h6{color:#fff;font-weight:900;margin-bottom:1rem}.site-footer a{display:block;color:rgba(255,255,255,.78);margin-bottom:.55rem}.site-footer a:hover{color:#f0cf66}.footer-brand img{width:58px;height:58px;object-fit:contain;background:#fff;border-radius:16px}.footer-brand strong{display:block;color:#fff;font-size:1.1rem}.footer-brand span{display:block;color:#f0cf66;font-size:.82rem;font-weight:800}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:20px;font-size:.92rem;color:rgba(255,255,255,.6)}.admin-login-body{min-height:100vh;display:grid;place-items:center;background:radial-gradient(circle at top left,rgba(199,161,51,.18),transparent 38%),linear-gradient(135deg,var(--navy-dark),var(--navy));padding:25px}.login-card{width:min(460px,100%);background:#fff;border-radius:30px;padding:35px;box-shadow:0 30px 80px rgba(0,0,0,.22)}.login-logo{width:92px;height:92px;object-fit:contain}.login-card h1{font-weight:950;color:var(--navy-dark)}.login-card p{color:var(--muted)}.login-help{font-size:.82rem;text-align:center;color:var(--muted);margin-top:1rem}.admin-body{background:#f3f5fb}.admin-nav{background:#fff;box-shadow:0 10px 35px rgba(17,29,79,.08)}.admin-nav .navbar-brand span{font-weight:950;color:var(--navy-dark)}.admin-main{min-height:calc(100vh - 70px)}.admin-page-head{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1.5rem}.admin-page-head h1{font-weight:950;color:var(--navy-dark);letter-spacing:-.035em;margin:0}.admin-page-head p{color:var(--muted);margin:0}.stat-card{background:#fff;border-radius:24px;border:1px solid var(--border);padding:25px;box-shadow:0 14px 36px rgba(17,29,79,.07);position:relative;overflow:hidden}.stat-card span{color:var(--muted);font-weight:800}.stat-card strong{display:block;font-size:2.4rem;color:var(--navy-dark);font-weight:950}.stat-card i{position:absolute;right:22px;top:24px;font-size:2rem;color:rgba(36,55,127,.12)}.admin-card{border-radius:24px}.admin-table thead th{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);border-bottom:1px solid var(--border)}.admin-table td{vertical-align:middle}.admin-table small{display:block;color:var(--muted)}.detail-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.detail-grid div{border:1px solid var(--border);border-radius:18px;padding:16px;background:#fafbff}.detail-grid span,.detail-label{display:block;color:var(--muted);font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;font-weight:900}.detail-grid strong{display:block;color:var(--navy-dark);font-size:1.02rem}.detail-note{border:1px solid var(--border);border-radius:18px;padding:18px;background:#fafbff;margin-top:.5rem}.note-item{border-left:4px solid var(--gold);padding-left:1rem;margin-bottom:1rem}.note-item strong{display:block;color:var(--navy-dark)}.note-item span{font-size:.85rem;color:var(--muted)}.note-item p{margin:.35rem 0 0}@media(max-width:991px){.hero-section{padding:70px 0}.process-line{grid-template-columns:1fr 1fr}.admin-page-head{align-items:flex-start;flex-direction:column}.detail-grid{grid-template-columns:1fr}.application-side-card,.side-apply-card{position:static}.navbar-nav{padding:1rem 0}}@media(max-width:575px){.section-pad{padding:60px 0}.process-line{grid-template-columns:1fr}.loan-range-box{flex-direction:column;align-items:flex-start}.trust-row div{width:100%}.hero-person-panel{border-radius:22px}.hero-person-badge{left:14px;right:14px;bottom:14px;padding:9px 14px}.hero-actions .btn{width:100%}.application-form-card{padding:22px}.page-hero{padding:55px 0}.brand-text small{display:none}}


/* v1.6 performance + imagery + premium footer enhancements */
.brand-icon{background:#fff}
.feature-overlap{margin-top:-18px}
.image-card{border-radius:32px;overflow:hidden;background:#fff;border:1px solid rgba(36,55,127,.08)}
.image-card img{display:block;width:100%;height:100%;object-fit:cover}
.photo-band{position:relative}
.photo-band-card{position:relative;overflow:hidden;border-radius:36px;padding:52px;background:linear-gradient(135deg,rgba(17,29,79,.88),rgba(36,55,127,.82));color:#fff;box-shadow:var(--shadow)}
.photo-band-card:before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(9,15,41,.78),rgba(9,15,41,.25)),var(--section-bg);background-size:cover;background-position:center;z-index:0}
.photo-band-card>*{position:relative;z-index:1}
.band-retail .photo-band-card{--section-bg:url('../img/bg-retail.webp')}
.photo-band-card h2{font-weight:950;letter-spacing:-.035em;font-size:clamp(2rem,3vw,3rem)}
.photo-band-card p{opacity:.92;max-width:670px}
.glass-stats-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.glass-stat{background:rgba(255,255,255,.12);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:22px}
.glass-stat strong{display:block;font-size:1.35rem;font-weight:950;color:#fff}
.glass-stat span{display:block;margin-top:.35rem;color:rgba(255,255,255,.84);font-weight:700;font-size:.92rem}
.image-section{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--navy-dark),var(--navy))}
.image-section:before{content:"";position:absolute;inset:0;background-image:linear-gradient(135deg,rgba(10,18,54,.85),rgba(36,55,127,.72)),var(--section-bg);background-size:cover;background-position:center;z-index:0}
.image-section>.container{position:relative;z-index:1}
.image-section-contained{border-radius:0}
.image-section .feature-card{background:rgba(255,255,255,.95)}
.image-section .section-title{color:#fff}
.page-hero-photo{position:relative;color:#fff;border-bottom:none;overflow:hidden}
.page-hero-photo:before{content:"";position:absolute;inset:0;background-image:linear-gradient(135deg,rgba(10,18,54,.83),rgba(36,55,127,.58)),var(--hero-bg);background-size:cover;background-position:center;z-index:0}
.page-hero-photo .container{position:relative;z-index:1}
.page-hero-photo h1,.page-hero-photo p{color:#fff}
.page-hero-photo p{max-width:760px;opacity:.92}
.page-hero-about{--hero-bg:url('../img/bg-entrepreneur.webp')}
.page-hero-loans{--hero-bg:url('../img/bg-retail.webp')}
.page-hero-process{--hero-bg:url('../img/bg-consultation.webp')}
.page-hero-faqs{--hero-bg:url('../img/bg-consultation.webp')}
.page-hero-contact{--hero-bg:url('../img/bg-consultation.webp')}
.page-hero-apply{--hero-bg:url('../img/bg-retail.webp')}
.photo-side-card{background-image:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,255,255,.96)),url('../img/bg-retail.webp');background-size:cover;background-position:center}
.map-photo-card{position:relative;overflow:hidden;min-height:360px;border-style:solid;background-image:url('../img/bg-consultation.webp');background-size:cover;background-position:center;color:#fff}
.map-photo-card .map-photo-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(17,29,79,.78),rgba(36,55,127,.55));display:flex;flex-direction:column;align-items:center;justify-content:center;padding:30px;text-align:center}
.map-photo-card .map-photo-overlay h4,.map-photo-card .map-photo-overlay p{color:#fff}
.premium-footer{position:relative;background:linear-gradient(135deg,#08112f,#132058 55%,#1c2b6f);padding-top:32px}
.footer-orb{position:absolute;border-radius:50%;filter:blur(4px);opacity:.35}
.footer-orb-one{width:240px;height:240px;background:rgba(199,161,51,.18);top:20px;right:5%}
.footer-orb-two{width:190px;height:190px;background:rgba(255,255,255,.08);bottom:100px;left:2%}
.footer-top-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:30px;padding:30px;backdrop-filter:blur(12px);margin-bottom:34px}
.footer-copy{max-width:560px;margin-bottom:0;color:rgba(255,255,255,.8)}
.footer-contact-panel{display:grid;grid-template-columns:1fr;gap:12px}
.contact-chip{display:flex;gap:.9rem;align-items:center;padding:14px 16px;border-radius:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);color:#fff;font-weight:700}
.contact-chip i{color:#f0cf66;width:18px;text-align:center}
.footer-links-row h6{font-size:.95rem;text-transform:uppercase;letter-spacing:.08em;color:#f0cf66}
.footer-links-row a,.footer-static{display:block;color:rgba(255,255,255,.8);margin-bottom:.75rem}
.footer-static{opacity:.82}
.footer-powered a{color:#f0cf66;display:inline}
.footer-powered a:hover{color:#fff}
.site-footer .btn-outline-light{border-width:1px}
@media(max-width:991px){.photo-band-card{padding:34px}.glass-stats-grid{grid-template-columns:1fr 1fr}.footer-top-card{padding:24px}}
@media(max-width:575px){.glass-stats-grid{grid-template-columns:1fr}.feature-overlap{margin-top:0}.photo-band-card{padding:28px;border-radius:26px}.hero-person-badge{left:10px;right:10px;bottom:10px}.footer-bottom{align-items:flex-start!important}}

/* v1.6 legal page hero background enhancements */
.page-hero-privacy{--hero-bg:url('../img/bg-consultation.webp')}
.page-hero-terms{--hero-bg:url('../img/bg-retail.webp')}


/* v1.8 client content architecture updates */
.product-card{background:#fff;border:1px solid var(--border);border-radius:30px;padding:30px;box-shadow:0 16px 45px rgba(17,29,79,.07);transition:.25s;scroll-margin-top:110px}
.product-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.product-card.product-card-featured{background:linear-gradient(180deg,#fff,#fffbec);border-color:rgba(199,161,51,.35)}
.product-card span{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;font-weight:950;color:var(--gold-dark);margin-bottom:.55rem}
.product-card h3{font-weight:950;color:var(--navy-dark);letter-spacing:-.03em;margin-bottom:.35rem}
.product-card h6{font-weight:900;color:var(--navy);margin-bottom:1rem}
.product-card p{color:var(--muted)}
.product-card ul{padding-left:1.15rem;margin:1rem 0 0;color:#4b5563}
.product-card li{margin-bottom:.6rem;font-weight:650}
.product-card a:not(.btn){font-weight:900;color:var(--navy)}
.faq-group-title{font-weight:950;color:var(--navy-dark);letter-spacing:-.025em;margin-bottom:1rem;font-size:1.45rem}
.footer-regulatory{color:rgba(255,255,255,.72);font-size:.92rem;line-height:1.5}
.footer-contact-panel .contact-chip span{line-height:1.35}
.page-hero-products{--hero-bg:url('../img/bg-retail.webp')}
@media(max-width:991px){.product-card{padding:24px}}


/* v1.8 homepage background photo sections */
.home-photo-section{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--navy-dark),var(--navy));}
.home-photo-section:before{content:"";position:absolute;inset:0;background-image:linear-gradient(135deg,rgba(9,15,41,.88),rgba(36,55,127,.72)),var(--home-bg);background-size:cover;background-position:center;z-index:0;}
.home-photo-section:after{content:"";position:absolute;inset:auto -8% -22% auto;width:380px;height:380px;border-radius:50%;background:rgba(199,161,51,.16);filter:blur(2px);z-index:0;}
.home-photo-section>.container{position:relative;z-index:1;}
.home-photo-section .section-title,.home-photo-section h2,.home-photo-section .section-intro,.home-photo-section p{color:#fff;}
.home-photo-section p{opacity:.92;}
.home-prosperity-section .vision-box{background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.22);box-shadow:0 24px 70px rgba(0,0,0,.18);}
.home-prosperity-section .vision-box h3{color:var(--navy-dark);}
.home-prosperity-section .vision-box p{color:#4b5563;opacity:1;}
.home-products-photo-section:before{background-image:linear-gradient(135deg,rgba(9,15,41,.86),rgba(36,55,127,.68)),var(--home-bg);}
.home-products-photo-section .product-card{background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-color:rgba(255,255,255,.55);box-shadow:0 24px 70px rgba(0,0,0,.15);}
.home-products-photo-section .product-card p{color:#4b5563;opacity:1;}
.home-process-photo-section:before{background-image:linear-gradient(135deg,rgba(9,15,41,.88),rgba(36,55,127,.7)),var(--home-bg);}
.home-process-photo-section .process-step{background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.45);box-shadow:0 24px 70px rgba(0,0,0,.14);}
.home-process-photo-section .process-step h5{color:var(--navy-dark);}
.home-process-photo-section .process-step p{color:#4b5563;opacity:1;}
.home-process-photo-section .process-step span{background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:#fff;}
@media(max-width:575px){.home-photo-section:after{display:none}.home-products-photo-section .product-card,.home-process-photo-section .process-step{backdrop-filter:none}}


/* v1.9 testimonial sections */
.home-testimonials-section{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--navy-dark),var(--navy));}
.home-testimonials-section:before{content:"";position:absolute;inset:0;background-image:linear-gradient(135deg,rgba(9,15,41,.9),rgba(36,55,127,.72)),var(--home-bg);background-size:cover;background-position:center;z-index:0;}
.home-testimonials-section:after{content:"";position:absolute;left:-120px;bottom:-120px;width:320px;height:320px;border-radius:50%;background:rgba(199,161,51,.15);z-index:0;}
.home-testimonials-section>.container{position:relative;z-index:1;}
.testimonial-card{position:relative;overflow:hidden;border-radius:30px;padding:30px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(14px);box-shadow:0 24px 70px rgba(0,0,0,.14);height:100%;}
.testimonial-card:before{content:"\f10d";font-family:"Font Awesome 6 Free";font-weight:900;position:absolute;right:24px;top:16px;font-size:3.4rem;color:rgba(199,161,51,.18);line-height:1;}
.testimonial-card span{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;font-weight:950;color:#f0cf66;margin:.7rem 0 .85rem;}
.testimonial-card p{position:relative;color:rgba(255,255,255,.92);font-size:.98rem;line-height:1.75;margin-bottom:1.4rem;}
.testimonial-stars{display:flex;gap:.25rem;color:#f0cf66;font-size:.92rem;}
.testimonial-author{display:flex;flex-direction:column;border-top:1px solid rgba(255,255,255,.16);padding-top:1rem;}
.testimonial-author strong{color:#fff;font-weight:950;}
.testimonial-author small{color:rgba(255,255,255,.72);font-weight:700;}
.testimonial-card.light-card{background:#fff;border:1px solid rgba(36,55,127,.08);box-shadow:0 18px 55px rgba(17,29,79,.08);backdrop-filter:none;}
.testimonial-card.light-card p{color:#4b5563;}
.testimonial-card.light-card .testimonial-author{border-top-color:#eef0f6;}
.testimonial-card.light-card .testimonial-author strong{color:var(--navy-dark);}
.testimonial-card.light-card .testimonial-author small{color:var(--muted);}
.testimonial-card.light-card span{color:var(--gold-dark);}
.page-hero-testimonials{--hero-bg:url('../img/bg-entrepreneur.webp')}
@media(max-width:575px){.testimonial-card{padding:24px}.home-testimonials-section:after{display:none}}

/* v1.12 individual product detail pages */
.page-hero-product-business{--hero-bg:url('../img/bg-retail.webp')}
.page-hero-product-quick{--hero-bg:url('../img/bg-consultation.webp')}
.page-hero-product-asset{--hero-bg:url('../img/bg-entrepreneur.webp')}
.product-detail-card{background:#fff;border:1px solid var(--border);border-radius:34px;padding:38px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.product-detail-card:after{content:"";position:absolute;right:-80px;top:-80px;width:220px;height:220px;border-radius:50%;background:rgba(199,161,51,.12)}
.product-detail-card>*{position:relative;z-index:1}
.product-detail-icon{width:76px;height:76px;border-radius:24px;background:linear-gradient(135deg,#fff6cf,#e7c861);display:grid;place-items:center;color:var(--navy-dark);font-size:2rem;margin-bottom:1.3rem;box-shadow:0 16px 35px rgba(199,161,51,.25)}
.product-detail-card h2{font-weight:950;letter-spacing:-.035em;color:var(--navy-dark);font-size:clamp(2rem,3vw,3rem)}
.product-detail-card .leadish{font-size:1.1rem;color:#4b5563;max-width:760px}
.product-detail-card h4{font-weight:950;color:var(--navy-dark);margin:1.5rem 0 1rem}
.premium-list{list-style:none;padding:0;margin:0;display:grid;gap:.8rem}
.premium-list li{display:flex;gap:.75rem;align-items:flex-start;background:var(--soft);border:1px solid var(--border);border-radius:16px;padding:14px 16px;font-weight:750;color:#374151}
.premium-list li i{color:var(--gold-dark);margin-top:.25rem}
.product-detail-section .side-apply-card{position:sticky;top:110px}
.related-products-box{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;border-radius:32px;padding:34px;box-shadow:var(--shadow)}
.related-products-box h3{font-weight:950;color:#fff;margin-bottom:.5rem}
.related-products-box p{color:rgba(255,255,255,.82)}
.related-product-links{display:grid;gap:.75rem;margin-top:1.2rem}
.related-product-links a{display:flex;align-items:center;gap:.75rem;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:14px 16px;color:#fff;font-weight:850}
.related-product-links a:hover{background:rgba(199,161,51,.2);color:#fff}
.related-product-links i{color:#f0cf66}
@media(max-width:991px){.product-detail-card{padding:28px}.product-detail-section .side-apply-card{position:relative;top:auto}}

/* v1.12 - Consistent alignment for checklist cards across all pages */
.check-item,
.mini-value {
    min-height: 92px;
    height: 100%;
    width: 100%;
    display: flex;
    align-items: center;
    gap: .85rem;
    line-height: 1.35;
}
.check-item {
    padding: 20px 22px;
    border-radius: 22px;
}
.check-item i,
.mini-value i {
    flex: 0 0 24px;
    width: 24px;
    height: 24px;
    display: inline-grid;
    place-items: center;
    margin-right: 0;
    line-height: 1;
}
.row > [class*="col-"] > .check-item,
.row > [class*="col-"] > .mini-value {
    align-self: stretch;
}
@supports selector(:has(*)) {
    .row > [class*="col-"]:has(> .check-item),
    .row > [class*="col-"]:has(> .mini-value) {
        display: flex;
    }
}
@media (max-width: 575px) {
    .check-item,
    .mini-value {
        min-height: auto;
        padding: 16px 18px;
    }
}

/* v1.13 - Homepage performance and smoother scrolling */
img{max-width:100%;height:auto;}
.home-photo-section,
.home-testimonials-section,
.image-section,
.photo-band-card{
    background-attachment:scroll;
    transform:translateZ(0);
    contain:layout paint style;
}
.home-photo-section:before,
.home-testimonials-section:before,
.image-section:before,
.photo-band-card:before{
    will-change:auto;
    backface-visibility:hidden;
}
.home-prosperity-section .vision-box,
.home-products-photo-section .product-card,
.home-process-photo-section .process-step,
.testimonial-card{
    backdrop-filter:none !important;
    -webkit-backdrop-filter:none !important;
}
.home-products-photo-section .product-card,
.home-process-photo-section .process-step,
.testimonial-card{
    box-shadow:0 14px 38px rgba(0,0,0,.12);
}
.feature-card,
.product-card,
.process-step,
.testimonial-card,
.value-card,
.contact-card,
.step-card,
.product-detail-card{
    will-change:auto;
}
@supports (content-visibility:auto) {
    .feature-overlap,
    .home-photo-section,
    .photo-band,
    .values-preview,
    .home-testimonials-section,
    .final-cta {
        content-visibility:auto;
        contain-intrinsic-size:1px 760px;
    }
}
@media (max-width: 767px) {
    .hero-shape{display:none;}
    .hero-person-panel{transform:none;}
    .home-photo-section:before,
    .home-testimonials-section:before{
        background-position:center;
    }
}


/* v1.14 - Product page card button alignment */
.product-card{
    display:flex;
    flex-direction:column;
}
.product-card .product-actions,
.product-card > .d-grid.gap-2{
    margin-top:auto !important;
    padding-top:1.1rem;
}
.product-card .product-actions .btn,
.product-card > .d-grid.gap-2 .btn{
    width:100%;
}
.products-grid-row > [class*="col-"]{
    display:flex;
}
.products-grid-row .product-card{
    width:100%;
}
@media (min-width: 992px){
    .products-grid-row .product-card{
        min-height:100%;
    }
}

/* v1.15 - Smooth fade-in-up animations for public pages */
html{
    scroll-behavior:smooth;
}
body.enhanced-animations .reveal-on-scroll{
    opacity:0;
    transform:translate3d(0, 28px, 0);
    transition:
        opacity .68s ease,
        transform .68s cubic-bezier(.22, 1, .36, 1);
    transition-delay:var(--reveal-delay, 0ms);
}
body.enhanced-animations .reveal-on-scroll.is-visible{
    opacity:1;
    transform:translate3d(0, 0, 0);
}
body.enhanced-animations .hero-card.reveal-on-scroll,
body.enhanced-animations .image-card.reveal-on-scroll,
body.enhanced-animations .photo-band-card.reveal-on-scroll{
    transform:translate3d(0, 30px, 0) scale(.985);
}
body.enhanced-animations .hero-card.reveal-on-scroll.is-visible,
body.enhanced-animations .image-card.reveal-on-scroll.is-visible,
body.enhanced-animations .photo-band-card.reveal-on-scroll.is-visible{
    transform:translate3d(0, 0, 0) scale(1);
}
body.enhanced-animations .feature-card.reveal-on-scroll,
body.enhanced-animations .product-card.reveal-on-scroll,
body.enhanced-animations .testimonial-card.reveal-on-scroll,
body.enhanced-animations .value-card.reveal-on-scroll,
body.enhanced-animations .contact-card.reveal-on-scroll,
body.enhanced-animations .step-card.reveal-on-scroll,
body.enhanced-animations .process-step.reveal-on-scroll,
body.enhanced-animations .check-item.reveal-on-scroll,
body.enhanced-animations .mini-value.reveal-on-scroll,
body.enhanced-animations .premium-accordion .accordion-item.reveal-on-scroll{
    transform:translate3d(0, 24px, 0);
}
body.enhanced-animations .feature-card.reveal-on-scroll.is-visible,
body.enhanced-animations .product-card.reveal-on-scroll.is-visible,
body.enhanced-animations .testimonial-card.reveal-on-scroll.is-visible,
body.enhanced-animations .value-card.reveal-on-scroll.is-visible,
body.enhanced-animations .contact-card.reveal-on-scroll.is-visible,
body.enhanced-animations .step-card.reveal-on-scroll.is-visible,
body.enhanced-animations .process-step.reveal-on-scroll.is-visible,
body.enhanced-animations .check-item.reveal-on-scroll.is-visible,
body.enhanced-animations .mini-value.reveal-on-scroll.is-visible,
body.enhanced-animations .premium-accordion .accordion-item.reveal-on-scroll.is-visible{
    transform:translate3d(0, 0, 0);
}
body.enhanced-animations .reveal-on-scroll-pending{
    will-change:opacity, transform;
}
body.enhanced-animations .is-visible{
    will-change:auto;
}
@media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    body.enhanced-animations .reveal-on-scroll{
        opacity:1 !important;
        transform:none !important;
        transition:none !important;
    }
}
@media (max-width: 575px){
    body.enhanced-animations .reveal-on-scroll{
        transform:translate3d(0, 18px, 0);
        transition-duration:.55s;
    }
}
body.enhanced-animations .feature-card.is-visible:hover{
    transform:translateY(-5px);
}

/* v1.16 - Immediate fade-in-up animations for hero sections */
@keyframes maraHeroFadeInUp{
    from{opacity:0;transform:translate3d(0, 28px, 0);}
    to{opacity:1;transform:translate3d(0, 0, 0);}
}
@keyframes maraHeroImageIn{
    from{opacity:0;transform:translate3d(0, 32px, 0) scale(.985) rotate(1deg);}
    to{opacity:1;transform:translate3d(0, 0, 0) scale(1) rotate(1deg);}
}
@keyframes maraHeroShapeIn{
    from{opacity:0;transform:scale(.92);}
    to{opacity:.6;transform:scale(1);}
}
.hero-section .eyebrow,
.hero-section h1,
.hero-section .lead,
.hero-section .hero-actions,
.hero-section .trust-row,
.page-hero .eyebrow,
.page-hero h1,
.page-hero p{
    opacity:0;
    animation:maraHeroFadeInUp .74s cubic-bezier(.22, 1, .36, 1) forwards;
    will-change:opacity, transform;
}
.hero-section .eyebrow,.page-hero .eyebrow{animation-delay:.06s;}
.hero-section h1,.page-hero h1{animation-delay:.14s;}
.hero-section .lead,.page-hero p{animation-delay:.23s;}
.hero-section .hero-actions{animation-delay:.32s;}
.hero-section .trust-row{animation-delay:.41s;}
.hero-section .hero-card{
    opacity:0;
    animation:maraHeroImageIn .82s cubic-bezier(.22, 1, .36, 1) .28s forwards;
    will-change:opacity, transform;
}
.hero-shape{
    animation:maraHeroShapeIn .9s ease .12s both;
}
@media (prefers-reduced-motion: reduce){
    .hero-section .eyebrow,
    .hero-section h1,
    .hero-section .lead,
    .hero-section .hero-actions,
    .hero-section .trust-row,
    .page-hero .eyebrow,
    .page-hero h1,
    .page-hero p,
    .hero-section .hero-card,
    .hero-shape{
        opacity:1 !important;
        transform:none !important;
        animation:none !important;
        will-change:auto !important;
    }
}

/* v1.17 - Brand/header refinements */
.navbar-brand{min-width:0;}
.brand-text strong{
    font-size:clamp(.9rem, 1.8vw, 1.08rem);
    letter-spacing:-.025em;
    white-space:normal;
}
.navbar-brand .brand-icon,
.footer-brand img,
.admin-nav .brand-icon,
.login-logo{
    aspect-ratio:1 / 1;
    border-radius:0 !important;
    background:transparent !important;
    box-shadow:none !important;
    object-fit:contain;
}
@media (max-width:575px){
    .navbar-brand .brand-icon{width:46px;height:46px;}
    .brand-text strong{font-size:.9rem;line-height:1.08;}
}


/* v1.18 - align testimonial author section to card bottom */
.testimonial-card{display:flex;flex-direction:column;}
.testimonial-card p{margin-bottom:1.4rem;}
.testimonial-author{margin-top:auto;}


/* v1.19 - keep brand tagline sentence casing */
.brand-text small{ text-transform:none; }
.footer-brand span{ text-transform:none; }


/* v1.21 - restore and emphasize footer copyright section */
.footer-bottom{
    border-top:1px solid rgba(255,255,255,.18);
    margin-top:38px;
    padding-top:22px;
    color:rgba(255,255,255,.86);
}
.footer-copyright{
    color:#fff;
    font-weight:800;
}
.footer-powered{
    color:rgba(255,255,255,.82);
    font-weight:700;
}
.footer-powered a{
    color:#f0cf66;
    font-weight:900;
}


/* v1.21 - Footer stays static with no reveal animation */
.premium-footer .reveal-on-scroll,
.premium-footer .reveal-on-scroll-pending,
.premium-footer .is-visible{
    opacity:1 !important;
    transform:none !important;
    filter:none !important;
    transition:none !important;
    animation:none !important;
}


/* v1.22 - remove footer top card box styling */
.footer-top-card{
    background:transparent !important;
    border:0 !important;
    border-radius:0 !important;
    padding:0 !important;
    box-shadow:none !important;
    backdrop-filter:none !important;
}


/* v1.26 - branded loan application form header */
.branded-form-heading{display:flex;align-items:center;gap:1rem;margin-bottom:1.4rem;}
.form-heading-logo{width:72px;height:72px;object-fit:contain;flex:0 0 auto;background:#fff;border-radius:0;}
.branded-form-heading h2{margin-bottom:.25rem;}
@media(max-width:575px){.branded-form-heading{align-items:flex-start}.form-heading-logo{width:58px;height:58px}}


/* v1.27 - premium in-page loan application success notice */
.application-success-notice{
    text-align:center;
    padding:2.4rem 1.25rem 1.6rem;
}
.success-medallion{
    width:92px;
    height:92px;
    border-radius:50%;
    display:grid;
    place-items:center;
    margin:0 auto 1.2rem;
    background:linear-gradient(135deg,#eafaf0,#fff8df);
    color:#16a34a;
    font-size:3rem;
    box-shadow:0 18px 45px rgba(22,163,74,.16);
    border:1px solid rgba(22,163,74,.16);
}
.success-eyebrow{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    text-transform:uppercase;
    letter-spacing:.14em;
    font-size:.76rem;
    font-weight:950;
    color:var(--gold-dark);
    margin-bottom:.85rem;
}
.application-success-notice h3{
    color:var(--navy-dark);
    font-weight:950;
    letter-spacing:-.035em;
    margin-bottom:.8rem;
}
.success-lead{
    color:var(--muted);
    max-width:650px;
    margin:0 auto 1.2rem;
    font-size:1.04rem;
}
.success-reference{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    padding:.72rem 1.15rem;
    border-radius:999px;
    background:#fff8df;
    border:1px solid rgba(199,161,51,.28);
    color:var(--navy-dark);
    font-weight:950;
    margin-bottom:1.4rem;
}
.success-next-steps{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:.85rem;
    margin:1.1rem 0 1.6rem;
}
.success-next-steps div{
    background:var(--soft);
    border:1px solid var(--border);
    border-radius:20px;
    padding:1rem;
    min-height:100%;
}
.success-next-steps i{
    display:block;
    color:var(--gold-dark);
    font-size:1.35rem;
    margin-bottom:.55rem;
}
.success-next-steps span{
    display:block;
    color:#26335d;
    font-weight:800;
    font-size:.92rem;
}
.success-actions{
    display:flex;
    justify-content:center;
    gap:.85rem;
    flex-wrap:wrap;
}
@media(max-width:767px){
    .success-next-steps{grid-template-columns:1fr;}
    .application-success-notice{padding:1.5rem .25rem .75rem;}
    .success-actions .btn{width:100%;}
}

/* v1.28 - premium contact enquiry form */
.contact-enquiry-card{padding:34px;border-radius:30px;background:#fff;border:1px solid var(--border);box-shadow:0 20px 55px rgba(17,29,79,.08);}
.contact-enquiry-form textarea{resize:vertical;min-height:145px;}
.contact-success-notice{text-align:center;padding:2.2rem 1rem;}
.contact-success-notice .success-ring{width:86px;height:86px;border-radius:50%;margin:0 auto 1.2rem;display:grid;place-items:center;background:linear-gradient(135deg,#dcfce7,#ffffff);border:1px solid #bbf7d0;color:#16a34a;font-size:2.25rem;box-shadow:0 14px 36px rgba(22,163,74,.14);}
.contact-success-notice .success-kicker{display:inline-block;text-transform:uppercase;letter-spacing:.13em;font-size:.72rem;font-weight:950;color:var(--gold-dark);margin-bottom:.7rem;}
.contact-success-notice h3{font-weight:950;color:var(--navy-dark);letter-spacing:-.025em;margin-bottom:.7rem;}
.contact-success-notice p{max-width:560px;margin:0 auto;color:var(--muted);font-weight:650;}
@media(max-width:575px){.contact-enquiry-card{padding:24px}.contact-success-notice{padding:1.5rem .25rem}}


/* v1.29 - accessible off-screen anti-spam honeypot field */
.mc-field-check{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important;}


/* v1.31 - contact address and LinkedIn details */
.contact-card-static{display:inline-block;font-weight:900;color:var(--navy);line-height:1.35}.footer-contact-panel a.contact-chip{text-decoration:none;color:rgba(255,255,255,.86)}.footer-contact-panel a.contact-chip:hover{color:#fff;border-color:rgba(240,207,102,.45);background:rgba(199,161,51,.13)}


/* v1.35 - align footer contact chip icons consistently */
.footer-contact-panel .contact-chip{
    align-items:center;
}
.footer-contact-panel .contact-chip i{
    flex:0 0 28px;
    width:28px;
    min-width:28px;
    height:28px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    line-height:1;
    text-align:center;
}
.footer-contact-panel .contact-chip span{
    display:block;
    line-height:1.25;
}
.footer-contact-panel .contact-chip .fa-linkedin,
.footer-contact-panel .contact-chip .fa-linkedin-in{
    font-size:1.18rem;
}


/* v1.36 - fix footer LinkedIn contact chip alignment */
.site-footer .footer-contact-panel .contact-chip,
.site-footer .footer-contact-panel a.contact-chip{
    display:flex;
    flex-direction:row;
    align-items:center;
    gap:.9rem;
}
.site-footer .footer-contact-panel .contact-chip i,
.site-footer .footer-contact-panel a.contact-chip i{
    flex:0 0 28px;
    width:28px;
    min-width:28px;
    height:28px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin:0;
}
.site-footer .footer-contact-panel .contact-chip span,
.site-footer .footer-contact-panel a.contact-chip span{
    display:inline-block;
    line-height:1.25;
    margin:0;
}


/* v1.38 - Careers page */
.page-hero-careers{background-image:linear-gradient(135deg,rgba(10,18,54,.86),rgba(36,55,127,.74)),url('../img/bg-consultation.webp');background-size:cover;background-position:center;}
.page-hero-careers h1,.page-hero-careers p{color:#fff;}
.career-email-card{display:flex;align-items:center;gap:1rem;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:20px;position:relative;z-index:1;}
.career-email-card i{width:56px;height:56px;border-radius:18px;background:rgba(240,207,102,.18);color:#f0cf66;display:grid;place-items:center;font-size:1.45rem;flex:0 0 auto;}
.career-email-card small{display:block;color:#f0cf66;font-weight:900;text-transform:uppercase;letter-spacing:.11em;font-size:.74rem;margin-bottom:.25rem;}
.career-email-card a{color:#fff;font-weight:950;font-size:1.2rem;word-break:break-word;}
.career-email-card a:hover{color:#f0cf66;}