:root {
  --orange: #FF6600;
  --orange-dark: #e55a00;
  --orange-light: #ff8533;
  --orange-pale: rgba(255, 102, 0, 0.08);
  --orange-pale2: rgba(255, 102, 0, 0.14);
  --orange-border: rgba(255, 102, 0, 0.25);
  --cream: #faf8f5;
  --cream2: #f4f1ec;
  --cream3: #ede9e2;
  --white: #ffffff;
  --ink: #1a1612;
  --ink-mid: #3d3530;
  --ink-light: #6b5f57;
  --ink-muted: #9b8e86;
  --line: #e8e2da;
  --line2: #d6cfc5;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Outfit', sans-serif;
  --radius: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --shadow-sm: 0 2px 12px rgba(26, 22, 18, 0.07);
  --shadow-md: 0 8px 32px rgba(26, 22, 18, 0.10);
  --shadow-lg: 0 20px 60px rgba(26, 22, 18, 0.13);
  --shadow-orange: 0 8px 32px rgba(255, 102, 0, 0.22);
  --tr: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--sans);
  background: var(--white);
  color: var(--ink);
  overflow-x: hidden;
  line-height: 1.7;
}

::-webkit-scrollbar {
  width: 5px;
}

::-webkit-scrollbar-track {
  background: var(--cream);
}

::-webkit-scrollbar-thumb {
  background: var(--orange-border);
  border-radius: 3px;
}

/* ─── BUTTONS ─── */
.btn-orange {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  background: var(--orange);
  color: #fff;
  font-family: var(--sans);
  font-size: .88rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .85rem 2rem;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  transition: var(--tr);
  text-decoration: none;
  white-space: nowrap;
}

.btn-orange:hover {
  background: var(--orange-dark);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: var(--shadow-orange);
}

.btn-orange-outline {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  background: transparent;
  color: var(--orange);
  font-family: var(--sans);
  font-size: .88rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .85rem 2rem;
  border-radius: 8px;
  border: 1.5px solid var(--orange);
  cursor: pointer;
  transition: var(--tr);
  text-decoration: none;
}

.btn-orange-outline:hover {
  background: var(--orange);
  color: #fff;
  box-shadow: var(--shadow-orange);
  transform: translateY(-2px);
}

.btn-white {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  background: #fff;
  color: var(--orange);
  font-family: var(--sans);
  font-size: .88rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .85rem 2rem;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  transition: var(--tr);
  text-decoration: none;
}

.btn-white:hover {
  background: var(--cream);
  color: var(--orange-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, .15);
}

/* ─── NAVBAR ─── */
.navbar-ft {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 1.1rem 0;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid transparent;
  transition: var(--tr);
}

.navbar-ft.scrolled {
  border-color: var(--line);
  box-shadow: var(--shadow-sm);
  padding: .8rem 0;
}

.nav-brand {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.nav-logo {
  height: 60px;
  width: auto;
  object-fit: contain;
}

.nav-brand span {
  color: var(--orange);
}

.nav-link-ft {
  color: var(--ink-light) !important;
  font-size: .875rem;
  font-weight: 500;
  letter-spacing: .03em;
  padding: .4rem .9rem !important;
  transition: var(--tr);
  text-decoration: none;
  border-radius: 6px;
}

.nav-link-ft:hover {
  color: var(--orange) !important;
  background: var(--orange-pale);
}

.nav-toggle {
  border: 1.5px solid var(--line2);
  padding: .3rem .6rem;
  border-radius: 8px;
  background: transparent;
  cursor: pointer;
}

.nav-toggle .bi {
  color: var(--ink);
  font-size: 1.2rem;
}

/* ─── HERO ─── */
.hero {
  padding: 140px 0 80px;
  background: var(--cream);
  position: relative;
  overflow: hidden;
}

/* Soft background shapes */
.hero::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -160px;
  width: 650px;
  height: 650px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 102, 0, .07) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -100px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 102, 0, .05) 0%, transparent 70%);
  pointer-events: none;
}

/* Diagonal stripe accent */
.hero-stripe {
  position: absolute;
  top: 0;
  right: 0;
  width: 42%;
  height: 100%;
  background: linear-gradient(135deg, transparent 0%, rgba(255, 102, 0, .04) 100%);
  clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
  pointer-events: none;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  background: var(--orange-pale2);
  border: 1px solid var(--orange-border);
  border-radius: 30px;
  padding: .3rem .9rem;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 1.4rem;
}

.hero-eyebrow .bi {
  font-size: .8rem;
}

.hero-h1 {
  font-family: var(--serif);
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -.02em;
  color: var(--ink);
  margin-bottom: 1.4rem;
}

.hero-h1 em {
  font-style: italic;
  color: var(--orange);
}

.hero-h1 .underline-orange {
  position: relative;
  display: inline-block;
}

.hero-h1 .underline-orange::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 3px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--orange), transparent);
}

.hero-sub {
  font-size: 1.05rem;
  color: var(--ink-light);
  max-width: 500px;
  line-height: 1.8;
  margin-bottom: 2.2rem;
}

.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1.2rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--line);
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: .55rem;
  font-size: .8rem;
  color: var(--ink-light);
  font-weight: 500;
}

.hero-trust-item .bi {
  color: var(--orange);
  font-size: .95rem;
}

/* Hero card */
.hero-card {
  background: #fff;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 0;
  overflow: hidden;
  position: relative;
  z-index: 1;
  animation: hcFloat 6s ease-in-out infinite;
}

@keyframes hcFloat {

  0%,
  100% {
    transform: translateY(0)
  }

  50% {
    transform: translateY(-10px)
  }
}

.hcard-top {
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-light) 100%);
  padding: 1.8rem 2rem;
  color: #fff;
}

.hcard-top-label {
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  opacity: .8;
  margin-bottom: .3rem;
}

.hcard-top-amt {
  font-family: var(--serif);
  font-size: 2.8rem;
  font-weight: 700;
  line-height: 1;
}

.hcard-top-sub {
  font-size: .82rem;
  opacity: .8;
  margin-top: .3rem;
}

.hcard-body {
  padding: 1.5rem 2rem;
}

.hcard-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .8rem 0;
  border-bottom: 1px solid var(--line);
}

.hcard-row:last-child {
  border-bottom: none;
}

.hcard-key {
  font-size: .78rem;
  color: var(--ink-muted);
  font-weight: 500;
}

.hcard-val {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
}

.hcard-val.accent {
  color: var(--orange);
}

.hcard-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: #e8f9ee;
  border: 1px solid #b7ebc8;
  border-radius: 6px;
  padding: .5rem .9rem;
  font-size: .78rem;
  font-weight: 600;
  color: #1a7a3a;
  margin-top: 1rem;
  width: 100%;
}

.hcard-badge-dot {
  width: 7px;
  height: 7px;
  background: #22c55e;
  border-radius: 50%;
  animation: blink 2s ease-in-out infinite;
}

@keyframes blink {

  0%,
  100% {
    opacity: 1
  }

  50% {
    opacity: .4
  }
}

/* Floating mini-cards */
.mini-float {
  position: absolute;
  background: #fff;
  border-radius: 12px;
  padding: .7rem 1.1rem;
  box-shadow: var(--shadow-md);
  z-index: 2;
}

.mf1 {
  top: -18px;
  left: -28px;
  animation: mf1a 5s ease-in-out infinite;
}

.mf2 {
  bottom: -14px;
  right: -18px;
  animation: mf2a 7s ease-in-out infinite;
}

@keyframes mf1a {

  0%,
  100% {
    transform: rotate(-3deg) translateY(0)
  }

  50% {
    transform: rotate(0deg) translateY(-7px)
  }
}

@keyframes mf2a {

  0%,
  100% {
    transform: rotate(2deg) translateY(0)
  }

  50% {
    transform: rotate(0deg) translateY(-9px)
  }
}

.mf-label {
  font-size: .62rem;
  color: var(--ink-muted);
  text-transform: uppercase;
  letter-spacing: .1em;
}

.mf-val {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--orange);
}

/* ─── TRUST STRIP ─── */
.trust-strip {
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 1.1rem 0;
}

.ts-item {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .8rem;
  font-weight: 500;
  color: var(--ink-light);
}

.ts-item .bi {
  color: var(--orange);
  font-size: 1rem;
}

.ts-sep {
  width: 1px;
  height: 24px;
  background: var(--line2);
}

/* ─── SECTION COMMONS ─── */
.sec-tag {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: .8rem;
}

.sec-tag::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--orange);
  border-radius: 1px;
}

.sec-h2 {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 3.5vw, 2.8rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--ink);
  margin-bottom: 1rem;
}

.sec-h2 em {
  font-style: italic;
  color: var(--orange);
}

.sec-p {
  font-size: .98rem;
  color: var(--ink-light);
  line-height: 1.8;
  max-width: 540px;
}

.divider-o {
  width: 44px;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), transparent);
  border-radius: 2px;
  margin-bottom: 1.5rem;
}

/* ─── WHY US ─── */
.why-sec {
  padding: 6rem 0;
  background: var(--white);
}

.why-img-wrap {
  position: relative;
}

.why-img-bg {
  width: 100%;
  aspect-ratio: 1/1;
  max-width: 460px;
  background: linear-gradient(135deg, var(--cream2) 0%, var(--cream3) 100%);
  border-radius: var(--radius-xl);
  position: relative;
  overflow: hidden;
}

.why-img-bg::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -30%;
  width: 80%;
  height: 80%;
  border-radius: 50%;
  background: radial-gradient(circle, var(--orange-pale2) 0%, transparent 70%);
}

/* Geometric accent in why image */
.why-geo {
  position: absolute;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 90px;
  height: 90px;
  border: 3px solid var(--orange-border);
  border-radius: 50%;
}

.why-geo2 {
  position: absolute;
  top: 1.5rem;
  left: 1.5rem;
  width: 50px;
  height: 50px;
  background: var(--orange-pale2);
  border-radius: 8px;
  transform: rotate(15deg);
}

.why-center-icon {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 200px;
  height: 200px;
  background: #fff;
  border-radius: 50%;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-center-icon .bi {
  font-size: 2.8rem;
  color: var(--orange);
}

.why-stat-card {
  position: absolute;
  background: #fff;
  border-radius: 14px;
  box-shadow: var(--shadow-md);
  padding: .9rem 1.2rem;
}

.wsc-1 {
  bottom: 2.5rem;
  left: -2rem;
}

.wsc-2 {
  top: 2rem;
  right: -2rem;
}

.wsc-val {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--orange);
  line-height: 1;
}

.wsc-lab {
  font-size: .68rem;
  color: var(--ink-muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-top: .15rem;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 2rem;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: .8rem;
  font-size: .93rem;
  color: var(--ink-mid);
  margin-bottom: .9rem;
  line-height: 1.6;
}

.check-list .bi {
  color: var(--orange);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: .2rem;
}

/* ─── PROCESS ─── */
.process-sec {
  padding: 6rem 0;
  background: var(--cream);
}

.process-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2.2rem;
  text-align: center;
  height: 100%;
  transition: var(--tr);
  position: relative;
  overflow: hidden;
  border: 1px solid var(--line);
}

.process-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--orange-light));
  transform: scaleX(0);
  transition: var(--tr);
  transform-origin: left;
}

.process-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-5px);
  border-color: var(--orange-border);
}

.process-card:hover::before {
  transform: scaleX(1);
}

.process-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--orange-pale);
  border: 2px solid var(--orange-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.4rem;
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--orange);
  transition: var(--tr);
}

.process-card:hover .process-num {
  background: var(--orange);
  color: #fff;
  border-color: var(--orange);
  box-shadow: var(--shadow-orange);
}

.process-icon {
  font-size: 1.5rem;
  color: var(--orange);
  margin-bottom: .6rem;
}

.process-title {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: .7rem;
}

.process-text {
  font-size: .88rem;
  color: var(--ink-light);
  line-height: 1.75;
}

.connector-line {
  position: absolute;
  top: 50%;
  left: 100%;
  width: 100%;
  height: 1px;
  border-top: 2px dashed var(--orange-border);
  z-index: 0;
  transform: translateY(-50%);
}

/* ─── STATS BAND ─── */
.stats-band {
  padding: 5rem 0;
  background: var(--orange);
  position: relative;
  overflow: hidden;
}

.stats-band::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .07);
  pointer-events: none;
}

.stats-band::after {
  content: '';
  position: absolute;
  bottom: -60%;
  left: -5%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .05);
  pointer-events: none;
}

.stat-item {
  text-align: center;
}

.stat-num {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 700;
  color: #fff;
  line-height: 1;
}

.stat-lbl {
  font-size: .8rem;
  color: rgba(255, 255, 255, .75);
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-top: .4rem;
  font-weight: 500;
}

.stat-div {
  width: 1px;
  height: 60px;
  background: rgba(255, 255, 255, .2);
}

/* ─── WHO WE ARE ─── */
.who-sec {
  padding: 6rem 0;
  background: #fff;
}

.who-content-box {
  background: var(--cream);
  border-radius: var(--radius-xl);
  padding: 3rem;
  height: 100%;
}

.apr-box {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  padding: 1.8rem;
  margin-top: 1.5rem;
}

.apr-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: .6rem;
}

.apr-text {
  font-size: .82rem;
  color: var(--ink-light);
  line-height: 1.75;
}

.who-visual {
  background: linear-gradient(135deg, var(--ink) 0%, #2d2218 100%);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}

.who-visual::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -20%;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 102, 0, .15) 0%, transparent 70%);
}

.wv-tag {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .5);
  margin-bottom: .6rem;
}

.wv-title {
  font-family: var(--serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
  line-height: 1.3;
  margin-bottom: 1.5rem;
}

.wv-items {
  display: flex;
  flex-direction: column;
  gap: .8rem;
}

.wv-item {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: .85rem 1rem;
  background: rgba(255, 255, 255, .06);
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, .08);
}

.wv-icon {
  width: 36px;
  height: 36px;
  background: var(--orange-pale2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.wv-icon .bi {
  color: var(--orange);
  font-size: .95rem;
}

.wv-txt {
  font-size: .85rem;
  color: rgba(255, 255, 255, .75);
  font-weight: 500;
}

.wv-badge {
  display: flex;
  align-items: center;
  gap: .6rem;
  background: rgba(255, 102, 0, .15);
  border: 1px solid rgba(255, 102, 0, .3);
  border-radius: 10px;
  padding: .8rem 1rem;
  margin-top: 1.5rem;
}

.wv-badge-txt {
  font-size: .78rem;
  color: rgba(255, 255, 255, .8);
  line-height: 1.5;
}

/* ─── TESTIMONIALS ─── */
.testi-sec {
  padding: 6rem 0;
  background: var(--cream);
}

.tcard {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
  border: 1px solid var(--line);
  transition: var(--tr);
  position: relative;
}

.tcard:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: var(--orange-border);
}

.tcard-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 1.1rem;
}

.tcard-stars .bi {
  color: var(--orange);
  font-size: .9rem;
}

.tcard-quote {
  font-family: var(--serif);
  font-size: 1.02rem;
  color: var(--ink-mid);
  line-height: 1.75;
  margin-bottom: 1.4rem;
  font-style: italic;
}

.tcard-quote::before {
  content: '\201C';
  font-size: 1.8rem;
  color: var(--orange);
  line-height: 0;
  vertical-align: -.4rem;
  margin-right: 2px;
}

.tcard-author {
  display: flex;
  align-items: center;
  gap: .8rem;
  padding-top: 1.1rem;
  border-top: 1px solid var(--line);
}

.tcard-av {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: .95rem;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}

.tcard-name {
  font-weight: 600;
  font-size: .88rem;
  color: var(--ink);
}

.tcard-meta {
  font-size: .73rem;
  color: var(--ink-muted);
}

.tcard-funded {
  position: absolute;
  top: 1.4rem;
  right: 1.4rem;
  background: var(--orange-pale);
  border: 1px solid var(--orange-border);
  border-radius: 20px;
  padding: .18rem .65rem;
  font-size: .68rem;
  font-weight: 700;
  color: var(--orange);
  letter-spacing: .05em;
}

/* ─── LOAN FORM ─── */
.form-sec {
  padding: 6rem 0;
  background: #fff;
}

.form-outer {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
}

.form-header-band {
  background: linear-gradient(135deg, var(--orange) 0%, #ff8c00 100%);
  padding: 2.2rem 2.5rem;
  text-align: center;
}

.fhb-title {
  font-family: var(--serif);
  font-size: 1.8rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: .4rem;
}

.fhb-sub {
  font-size: .88rem;
  color: rgba(255, 255, 255, .8);
}

.form-body {
  background: #fff;
  padding: 2.5rem;
}

.form-mid-h {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--ink);
  text-align: center;
  margin-bottom: 2rem;
}

/* Section rows */
.frow {
  display: grid;
  grid-template-columns: 130px 1fr;
  gap: 1.5rem;
  align-items: start;
  padding: 1.6rem 0;
  border-bottom: 1px solid var(--line);
}

.frow:last-of-type {
  border-bottom: none;
}

.frow-label {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--orange);
  padding-top: .6rem;
}

/* inputs */
.lbl {
  display: block;
  font-size: .8rem;
  font-weight: 600;
  color: var(--ink-mid);
  margin-bottom: .4rem;
}

.lbl-hint {
  font-size: .7rem;
  color: var(--ink-muted);
  margin-top: .3rem;
}

.inp {
  width: 100%;
  background: var(--cream);
  border: 1.5px solid var(--line);
  border-radius: 8px;
  color: var(--ink);
  font-family: var(--sans);
  font-size: .9rem;
  padding: .72rem 1rem;
  transition: var(--tr);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.inp::placeholder {
  color: var(--ink-muted);
}

.inp:focus {
  border-color: var(--orange);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(255, 102, 0, .1);
}

select.inp {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23FF6600' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}

select.inp option {
  color: var(--ink);
  background: #fff;
}

.radio-row {
  display: flex;
  gap: 1.2rem;
  flex-wrap: wrap;
  margin-top: .4rem;
}

.radio-opt {
  display: flex;
  align-items: center;
  gap: .5rem;
  cursor: pointer;
}

.radio-opt input[type="radio"] {
  accent-color: var(--orange);
  width: 15px;
  height: 15px;
  cursor: pointer;
}

.radio-opt span {
  font-size: .88rem;
  color: var(--ink-mid);
}

/* Finally block */
.finally-block {
  background: var(--ink);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin-top: .5rem;
}

.fb-heading {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 1.2rem;
  display: flex;
  align-items: center;
  gap: .5rem;
}

.inp-dark {
  width: 100%;
  background: rgba(255, 255, 255, .07);
  border: 1.5px solid rgba(255, 255, 255, .12);
  border-radius: 8px;
  color: #fff;
  font-family: var(--sans);
  font-size: .9rem;
  padding: .72rem 1rem;
  transition: var(--tr);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.inp-dark::placeholder {
  color: rgba(255, 255, 255, .3);
}

.inp-dark:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(255, 102, 0, .15);
}

select.inp-dark {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23FF6600' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}

select.inp-dark option {
  background: #1a1612;
  color: #fff;
}

.lbl-dark {
  display: block;
  font-size: .8rem;
  font-weight: 600;
  color: rgba(255, 255, 255, .65);
  margin-bottom: .4rem;
}

.ssl-badge-row {
  display: flex;
  align-items: center;
  gap: .5rem;
}

.ssl-badge {
  display: flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 8px;
  padding: .5rem .9rem;
}

.ssl-badge .bi {
  color: var(--orange);
}

.ssl-badge span {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255, 255, 255, .6);
  line-height: 1.3;
}

.consent-p {
  font-size: .76rem;
  color: rgba(255, 255, 255, .45);
  line-height: 1.65;
  margin-bottom: 1rem;
}

.consent-p a {
  color: rgba(255, 255, 255, .65);
}


/* Submit */
.btn-submit-big {
  width: 100%;
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-light) 100%);
  border: none;
  color: #fff;
  font-family: var(--sans);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 1.05rem;
  border-radius: 10px;
  cursor: pointer;
  transition: var(--tr);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .6rem;
}

.btn-submit-big:hover {
  background: linear-gradient(135deg, var(--orange-dark) 0%, var(--orange) 100%);
  transform: translateY(-2px);
  box-shadow: var(--shadow-orange);
}

.form-footer-disc {
  font-size: .7rem;
  color: var(--ink-muted);
  line-height: 1.65;
  text-align: center;
  margin-top: 1.4rem;
  padding: 1rem 1.4rem;
  background: var(--cream);
  border-radius: 8px;
}

/* ─── FAQ ─── */
.faq-sec {
  padding: 6rem 0;
  background: var(--cream);
}

.faq-item {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  margin-bottom: .75rem;
  overflow: hidden;
  transition: var(--tr);
}

.faq-item.open {
  border-color: var(--orange-border);
  box-shadow: var(--shadow-sm);
}

.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.2rem 1.5rem;
  cursor: pointer;
  font-size: .93rem;
  font-weight: 600;
  color: var(--ink);
}

.faq-q:hover {
  color: var(--orange);
}

.faq-toggle {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--line2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--tr);
}

.faq-item.open .faq-toggle {
  background: var(--orange);
  border-color: var(--orange);
  transform: rotate(45deg);
}

.faq-toggle .bi {
  font-size: .75rem;
  color: var(--ink-muted);
}

.faq-item.open .faq-toggle .bi {
  color: #fff;
}

.faq-ans {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .3s ease;
  padding: 0 1.5rem;
}

.faq-item.open .faq-ans {
  max-height: 300px;
  padding-bottom: 1.2rem;
}

.faq-ans p {
  font-size: .88rem;
  color: var(--ink-light);
  line-height: 1.8;
}

/* ─── CTA BAND ─── */
.cta-band {
  padding: 5rem 0;
  background: var(--cream2);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 102, 0, .05) 0%, transparent 70%);
  pointer-events: none;
}

.cta-h2 {
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 1rem;
}

.cta-h2 em {
  font-style: italic;
  color: var(--orange);
}

.cta-p {
  font-size: .98rem;
  color: var(--ink-light);
  max-width: 500px;
  margin: 0 auto 2rem;
  line-height: 1.8;
}

/* ─── FOOTER ─── */
.footer {
  background: var(--ink);
  padding: 4.5rem 0 2rem;
}

.footer-brand {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: .7rem;
}

.footer-brand span {
  color: var(--orange);
}

.footer-desc {
  font-size: .84rem;
  color: rgba(255, 255, 255, .45);
  line-height: 1.8;
  max-width: 270px;
}

.footer-addr {
  font-size: .78rem;
  color: rgba(255, 255, 255, .35);
  margin-top: .8rem;
  line-height: 1.6;
}

.footer-h {
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 1.1rem;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: .55rem;
}

.footer-links a {
  color: rgba(255, 255, 255, .45);
  font-size: .84rem;
  text-decoration: none;
  transition: var(--tr);
}

.footer-links a:hover {
  color: var(--orange);
  padding-left: 4px;
}

.footer-divider {
  border-top: 1px solid rgba(255, 255, 255, .07);
  margin: 2.5rem 0 1.5rem;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .75rem;
  color: rgba(255, 255, 255, .3);
  flex-wrap: wrap;
  gap: .5rem;
}

.footer-disc {
  font-size: .68rem;
  color: rgba(255, 255, 255, .2);
  line-height: 1.7;
  margin-top: 1rem;
  padding: 1rem;
  background: rgba(255, 255, 255, .03);
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, .05);
}

/* ─── SUCCESS OVERLAY ─── */
.s-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(26, 22, 18, .88);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(8px);
}

.s-overlay.show {
  display: flex;
  animation: sof .3s ease;
}

@keyframes sof {
  from {
    opacity: 0
  }

  to {
    opacity: 1
  }
}

.s-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 3rem;
  max-width: 480px;
  width: 90%;
  text-align: center;
  box-shadow: var(--shadow-lg);
}

.s-icon {
  width: 68px;
  height: 68px;
  background: #e8f9ee;
  border: 2px solid #b7ebc8;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
}

.s-icon .bi {
  color: #22c55e;
  font-size: 1.8rem;
}

.s-title {
  font-family: var(--serif);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: .6rem;
}

.s-text {
  font-size: .9rem;
  color: var(--ink-light);
  line-height: 1.7;
  margin-bottom: 1.4rem;
}

.s-ref {
  background: var(--orange-pale);
  border: 1px solid var(--orange-border);
  border-radius: 8px;
  padding: .65rem 1rem;
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--orange);
  margin-bottom: 1.4rem;
}

/* ─── RESPONSIVE ─── */
@media(max-width:991px) {
  .hero {
    padding: 120px 0 60px;
  }

  .hero-card-wrap {
    margin-top: 3rem;
  }

  .frow {
    grid-template-columns: 1fr;
    gap: .6rem;
  }

  .frow-label {
    padding-top: 0;
  }

  .why-img-wrap {
    margin-bottom: 3rem;
  }
}

@media(max-width:767px) {
  .hero-h1 {
    font-size: 2.4rem;
  }

  .ts-sep {
    display: none;
  }

  .stat-div {
    display: none;
  }

  .form-body {
    padding: 1.5rem;
  }

  .form-header-band {
    padding: 1.5rem;
  }

  .finally-block {
    padding: 1.25rem;
  }

  .mf1,
  .mf2 {
    display: none;
  }
}

/* ── Field Validation Errors ── */
.field-error {
  font-size: .72rem;
  color: #e84040;
  margin-top: .25rem;
  display: none;
  font-weight: 500;
}

/* ── Legal Pages ── */
.legal-hero {
  background: var(--ink);
  padding: 120px 0 60px;
  position: relative;
  overflow: hidden;
}

.legal-hero::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -10%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 102, 0, .12) 0%, transparent 70%);
}

.legal-tag {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: .7rem;
}

.legal-title {
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: #fff;
  margin-bottom: .8rem;
}

.legal-meta {
  font-size: .85rem;
  color: rgba(255, 255, 255, .45);
}

.legal-body {
  padding: 5rem 0;
  background: var(--cream);
}

.legal-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
}

.legal-card h2 {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--ink);
  margin-top: 2rem;
  margin-bottom: .8rem;
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--orange-pale2);
}

.legal-card h3 {
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--ink-mid);
  margin-top: 1.4rem;
  margin-bottom: .6rem;
}

.legal-card p {
  font-size: .92rem;
  color: var(--ink-light);
  line-height: 1.85;
  margin-bottom: 1rem;
}

.legal-card ul {
  padding-left: 1.4rem;
  margin-bottom: 1rem;
}

.legal-card ul li {
  font-size: .92rem;
  color: var(--ink-light);
  line-height: 1.85;
  margin-bottom: .4rem;
}

.legal-card .highlight-box {
  background: var(--orange-pale);
  border: 1px solid var(--orange-border);
  border-radius: var(--radius);
  padding: 1.2rem 1.5rem;
  margin: 1.5rem 0;
}

.legal-card .highlight-box p {
  margin: 0;
  font-size: .85rem;
  font-weight: 600;
  color: var(--orange-dark);
}

.legal-nav-card {
  background: var(--ink);
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  position: sticky;
  top: 100px;
}

.legal-nav-h {
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 1rem;
}

.legal-nav-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.legal-nav-links li {
  margin-bottom: .4rem;
}

.legal-nav-links a {
  color: rgba(255, 255, 255, .45);
  font-size: .84rem;
  text-decoration: none;
  transition: var(--tr);
  display: block;
  padding: .3rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, .06);
}

.legal-nav-links a:hover {
  color: var(--orange);
  padding-left: 6px;
}