:root {
    --gold:        #B8841A;
    --gold-light:  #D4A032;
    --gold-pale:   #FDF5E4;
    --gold-border: rgba(184,132,26,0.22);
    --blue:        #1847C2;
    --blue-deep:   #0F35A3;
    --blue-mid:    #2459D8;
    --blue-light:  #EEF2FF;
    --blue-border: rgba(24,71,194,0.18);
    --white:       #FFFFFF;
    --off-white:   #F8F9FC;
    --grey:        #7A7F8A;
    --grey-light:  #E8EAF0;
    --text:        #111827;
    --text-soft:   #596275;
    --font-display:'Cormorant Garamond', Georgia, serif;
    --font-body:   'Outfit', sans-serif;
    --sh-sm: 0 2px 14px rgba(24,71,194,0.07);
    --sh-md: 0 8px 32px rgba(24,71,194,0.10);
    --sh-lg: 0 20px 60px rgba(24,71,194,0.12);
  }
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body { font-family: var(--font-body); color: var(--text); background: var(--white); overflow-x: hidden; }
  .page { display: none; min-height: 100vh; }
  .page.active { display: block; }

  /* ── NAV ── */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 200;
    background: var(--white); display: flex; align-items: center;
    justify-content: space-between; padding: 0 6%; height: 74px;
    border-bottom: 1px solid var(--grey-light);
    box-shadow: 0 2px 16px rgba(24,71,194,0.06);
  }
  .nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
  .logo-wordmark { display: flex; flex-direction: column; line-height: 1.15; }
  .lw-matt  { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; letter-spacing: 0.32em; text-transform: uppercase; color: var(--text); line-height: 1.25; }
  .lw-money { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; letter-spacing: 0.32em; text-transform: uppercase; color: var(--text); line-height: 1.25; }
  .nav-links { display: flex; align-items: center; gap: 34px; list-style: none; }
  .nav-links a { font-size: 0.81rem; font-weight: 500; color: var(--text-soft); text-decoration: none; letter-spacing: 0.07em; text-transform: uppercase; transition: color 0.2s; }
  .nav-links a:hover { color: var(--blue); }
  .nav-cta { background: var(--blue) !important; color: var(--white) !important; padding: 10px 24px; border-radius: 6px; font-weight: 600 !important; box-shadow: 0 4px 14px rgba(24,71,194,0.30); transition: all 0.2s !important; }
  .nav-cta:hover { background: var(--blue-mid) !important; transform: translateY(-1px); box-shadow: 0 7px 22px rgba(24,71,194,0.40) !important; }
  .hamburger { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 4px; }
  .hamburger span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 2px; }

  /* ── BUTTONS ── */
  .btn-blue { background: var(--blue); color: var(--white); padding: 14px 32px; border-radius: 7px; font-family: var(--font-body); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase; cursor: pointer; border: none; text-decoration: none; display: inline-block; transition: all 0.25s; box-shadow: 0 6px 20px rgba(24,71,194,0.28); }
  .btn-blue:hover { background: var(--blue-mid); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(24,71,194,0.40); }
  .btn-gold { background: var(--gold); color: var(--white); padding: 14px 32px; border-radius: 7px; font-family: var(--font-body); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase; cursor: pointer; border: none; text-decoration: none; display: inline-block; transition: all 0.25s; box-shadow: 0 6px 20px rgba(184,132,26,0.30); }
  .btn-gold:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(184,132,26,0.42); }
  .btn-outline { background: transparent; color: var(--text); padding: 14px 28px; border-radius: 7px; font-family: var(--font-body); font-size: 0.85rem; font-weight: 500; letter-spacing: 0.09em; text-transform: uppercase; cursor: pointer; border: 1.5px solid var(--grey-light); text-decoration: none; display: inline-block; transition: all 0.25s; }
  .btn-outline:hover { border-color: var(--blue); color: var(--blue); }

  /* ── MODAL ── */
  .modal-overlay { display: none; position: fixed; inset: 0; z-index: 500; background: rgba(10,20,50,0.55); backdrop-filter: blur(4px); align-items: center; justify-content: center; padding: 20px; }
  .modal-overlay.open { display: flex; }
  .modal { background: var(--white); border-radius: 20px; padding: 48px 44px; width: 100%; max-width: 520px; position: relative; box-shadow: 0 32px 80px rgba(0,0,0,0.22); animation: modalIn 0.35s cubic-bezier(0.34,1.56,0.64,1) both; }
  @keyframes modalIn { from { opacity:0; transform:scale(0.88) translateY(20px); } to { opacity:1; transform:none; } }
  .modal-close { position: absolute; top: 18px; right: 20px; background: none; border: none; cursor: pointer; font-size: 1.4rem; color: var(--grey); line-height: 1; width: 32px; height: 32px; display: flex; align-items: center; justify-content: center; border-radius: 50%; transition: background 0.2s; }
  .modal-close:hover { background: var(--grey-light); }
  .modal-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 22px; }
  .modal h2 { font-family: var(--font-display); font-size: 1.9rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
  .modal-sub { font-size: 0.9rem; color: var(--text-soft); margin-bottom: 30px; line-height: 1.6; }
  .form-row { margin-bottom: 16px; }
  .form-row label { display: block; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--grey); margin-bottom: 7px; }
  .form-row input, .form-row select { width: 100%; padding: 12px 16px; border: 1.5px solid var(--grey-light); border-radius: 8px; font-family: var(--font-body); font-size: 0.93rem; color: var(--text); outline: none; transition: border-color 0.2s; background: var(--white); }
  .form-row input:focus, .form-row select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(24,71,194,0.1); }
  .form-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
  .form-submit { width: 100%; background: var(--blue); color: var(--white); padding: 15px; border-radius: 8px; font-family: var(--font-body); font-size: 0.88rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; cursor: pointer; border: none; margin-top: 8px; transition: all 0.25s; box-shadow: 0 6px 20px rgba(24,71,194,0.30); }
  .form-submit:hover { background: var(--blue-mid); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(24,71,194,0.40); }
  .modal-success { display: none; text-align: center; padding: 20px 0; }
  .success-icon { font-size: 3.5rem; display: block; margin-bottom: 16px; }
  .modal-success h3 { font-family: var(--font-display); font-size: 1.8rem; font-weight: 700; color: var(--text); margin-bottom: 10px; }
  .modal-success p { font-size: 0.93rem; color: var(--text-soft); line-height: 1.7; }
  .modal-contact-alt { margin-top: 20px; padding-top: 20px; border-top: 1px solid var(--grey-light); display: flex; gap: 16px; flex-wrap: wrap; }
  .modal-alt-link { display: flex; align-items: center; gap: 7px; font-size: 0.82rem; color: var(--text-soft); text-decoration: none; }
  .modal-alt-link span:first-child { color: var(--blue); }
  .modal-alt-link:hover { color: var(--blue); }

  /* ── HERO ── */
  .hero { padding-top: 74px; min-height: 100vh; background: var(--white); display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; overflow: hidden; }
  .hero-content { padding: 84px 5% 84px 8%; display: flex; flex-direction: column; justify-content: center; position: relative; z-index: 2; }
  .hero-content::before { content: ''; position: absolute; top: 80px; left: 36px; width: 200px; height: 200px; background-image: radial-gradient(circle, rgba(24,71,194,0.11) 1.5px, transparent 1.5px); background-size: 20px 20px; pointer-events: none; z-index: -1; }
  .hero-pill { display: inline-flex; align-items: center; gap: 8px; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--blue); margin-bottom: 26px; background: var(--blue-light); border: 1px solid var(--blue-border); padding: 7px 16px; border-radius: 100px; width: fit-content; }
  .hero h1 { font-family: var(--font-display); font-size: clamp(2.8rem, 4.5vw, 4.6rem); font-weight: 700; color: var(--text); line-height: 1.07; margin-bottom: 22px; }
  .hero h1 em { font-style: italic; color: var(--gold); }
  .hero-desc { font-size: 1rem; color: var(--text-soft); line-height: 1.85; max-width: 440px; margin-bottom: 40px; }
  .hero-actions { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; margin-bottom: 54px; }
  .hero-stats { display: flex; flex-wrap: wrap; border: 1px solid var(--grey-light); border-radius: 12px; overflow: hidden; box-shadow: var(--sh-md); background: var(--white); width: fit-content; }
  .stat-item { padding: 18px 26px; text-align: center; border-right: 1px solid var(--grey-light); }
  .stat-item:last-child { border-right: none; }
  .stat-num { font-family: var(--font-display); font-size: 1.85rem; font-weight: 700; color: var(--blue); display: block; line-height: 1; margin-bottom: 3px; }
  .stat-label { font-size: 0.67rem; font-weight: 500; letter-spacing: 0.09em; text-transform: uppercase; color: var(--grey); }
  .hero-visual { position: relative; overflow: hidden; background: var(--blue); min-height: 100%; }
  .hero-img { width: 100%; height: 100%; min-height: 600px; object-fit: cover; opacity: 0.55; display: block; mix-blend-mode: luminosity; position: absolute; inset: 0; }
  .hero-img-overlay { position: absolute; inset: 0; background: linear-gradient(155deg, rgba(24,71,194,0.62) 0%, rgba(15,53,163,0.84) 100%); }
  .hero-float-card { position: absolute; bottom: 44px; left: 50%; transform: translateX(-50%); background: var(--white); border-radius: 14px; padding: 22px 28px; width: 264px; box-shadow: 0 16px 40px rgba(0,0,0,0.22); display: flex; flex-direction: column; gap: 11px; border-top: 3px solid var(--gold); }
  .float-label  { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--grey); }
  .float-amount { font-family: var(--font-display); font-size: 2.2rem; font-weight: 700; color: var(--gold); line-height: 1; }
  .float-bar    { height: 5px; background: var(--grey-light); border-radius: 3px; overflow: hidden; }
  .float-fill   { height: 100%; width: 60%; background: linear-gradient(90deg, var(--blue), var(--blue-mid)); border-radius: 3px; }
  .float-sub    { font-size: 0.78rem; color: var(--text-soft); }

  /* ── ABOUT ── */
  .about { padding: 112px 8%; background: var(--off-white); display: grid; grid-template-columns: 1fr 1fr; gap: 84px; align-items: center; }
  .section-label { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--blue); display: inline-flex; align-items: center; gap: 9px; margin-bottom: 16px; }
  .section-label::after { content: ''; display: block; width: 28px; height: 2px; background: var(--gold); border-radius: 1px; }
  .section-title { font-family: var(--font-display); font-size: clamp(1.9rem, 3vw, 2.8rem); font-weight: 700; color: var(--text); line-height: 1.18; margin-bottom: 22px; }
  .section-body  { font-size: 0.97rem; color: var(--text-soft); line-height: 1.88; margin-bottom: 18px; }
  .about-img-wrap { position: relative; padding: 0 0 32px 32px; }
  .about-img { width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: 12px; display: block; box-shadow: var(--sh-lg); }
  .about-badge { position: absolute; bottom: 0; left: 0; background: var(--blue); border-radius: 12px; padding: 22px 28px; box-shadow: 0 10px 30px rgba(24,71,194,0.45); }
  .about-badge-num   { font-family: var(--font-display); font-size: 2.8rem; font-weight: 700; color: var(--white); line-height: 1; display: block; }
  .about-badge-label { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.72); }

  /* ── TRUST SECTION ── */
  .trust-section { background: var(--white); display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; min-height: 520px; }
  .trust-photo { position: relative; overflow: hidden; min-height: 420px; }
  .trust-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .trust-photo-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(15,53,163,0.25) 0%, transparent 70%); }
  .trust-content { background: var(--blue); padding: 72px 8% 72px 60px; display: flex; flex-direction: column; justify-content: center; }
  .trust-content .section-label { color: rgba(255,255,255,0.6); }
  .trust-content .section-label::after { background: var(--gold); }
  .trust-content .section-title { color: var(--white); font-size: clamp(1.7rem, 2.8vw, 2.4rem); }
  .trust-pillars { display: flex; flex-direction: column; gap: 18px; margin-top: 8px; }
  .trust-pillar { display: flex; align-items: flex-start; gap: 16px; }
  .pillar-icon { width: 44px; height: 44px; border-radius: 10px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; flex-shrink: 0; }
  .pillar-text h4 { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--white); margin-bottom: 3px; }
  .pillar-text p  { font-size: 0.83rem; color: rgba(255,255,255,0.5); line-height: 1.6; }

  /* ── SERVICES ── */
  .services { padding: 112px 8%; background: var(--off-white); }
  .services-header { text-align: center; margin-bottom: 60px; }
  .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
  .service-card { background: var(--white); border: 1.5px solid var(--grey-light); border-radius: 16px; padding: 46px 34px; transition: all 0.3s; position: relative; overflow: hidden; box-shadow: var(--sh-sm); }
  .service-card::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 3px; background: linear-gradient(90deg, var(--blue), var(--gold)); transition: width 0.45s ease; }
  .service-card:hover { border-color: var(--blue-border); box-shadow: var(--sh-md); transform: translateY(-5px); }
  .service-card:hover::after { width: 100%; }
  .service-icon  { width: 56px; height: 56px; background: var(--blue-light); border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; font-size: 1.5rem; }
  .service-title { font-family: var(--font-display); font-size: 1.45rem; font-weight: 600; color: var(--text); margin-bottom: 12px; }
  .service-desc  { font-size: 0.88rem; color: var(--text-soft); line-height: 1.78; }

  /* ── PROCESS ── */
  .process { padding: 112px 8%; background: var(--blue); position: relative; overflow: hidden; }
  .process::before { content: ''; position: absolute; top: -140px; right: -140px; width: 440px; height: 440px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,0.07) 0%, transparent 70%); pointer-events: none; }
  .process::after  { content: ''; position: absolute; bottom: -90px; left: -90px; width: 320px; height: 320px; border-radius: 50%; background: radial-gradient(circle, rgba(184,132,26,0.18) 0%, transparent 70%); pointer-events: none; }
  .process-header { text-align: center; margin-bottom: 72px; position: relative; z-index: 1; }
  .process-header .section-title { color: var(--white); }
  .process-header .section-label { color: rgba(255,255,255,0.65); }
  .process-header .section-label::after { background: var(--gold); }
  .process-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; z-index: 1; }
  .process-steps::before { content: ''; position: absolute; top: 36px; left: 18%; right: 18%; height: 1px; background: linear-gradient(90deg, rgba(255,255,255,0.15), var(--gold), rgba(255,255,255,0.15)); }
  .step { position: relative; z-index: 1; }
  .step-num  { width: 72px; height: 72px; background: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-size: 1.6rem; font-weight: 700; color: var(--blue); margin-bottom: 28px; box-shadow: 0 4px 20px rgba(0,0,0,0.15); }
  .step-title { font-family: var(--font-display); font-size: 1.35rem; font-weight: 600; color: var(--white); margin-bottom: 12px; }
  .step-desc  { font-size: 0.88rem; color: rgba(255,255,255,0.58); line-height: 1.82; }

  /* ── CTA ── */
  .cta-band { padding: 92px 8%; background: var(--gold-pale); border-top: 1.5px solid var(--gold-border); border-bottom: 1.5px solid var(--gold-border); display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; position: relative; overflow: hidden; }
  .cta-band::before { content: 'R'; font-family: var(--font-display); font-size: 290px; font-weight: 700; color: rgba(184,132,26,0.07); position: absolute; right: 80px; top: -40px; line-height: 1; pointer-events: none; }
  .cta-band h2 { font-family: var(--font-display); font-size: clamp(1.8rem, 3vw, 2.7rem); font-weight: 700; color: var(--text); max-width: 520px; line-height: 1.2; }
  .cta-band h2 em { font-style: italic; color: var(--blue); }

  /* ── FOOTER ── */
  footer { background: var(--blue-deep); padding: 68px 8% 34px; }
  .footer-top { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: 60px; margin-bottom: 52px; }
  .footer-brand { display: flex; flex-direction: column; gap: 18px; }
  .footer-logo-wrap { display: flex; align-items: center; gap: 12px; }
  .footer-lw { display: flex; flex-direction: column; line-height: 1.15; }
  .footer-lw-matt  { font-family: var(--font-body); font-size: 0.85rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; color: var(--white); }
  .footer-lw-money { font-family: var(--font-body); font-size: 0.85rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; color: var(--gold); }
  .footer-tagline { font-size: 0.87rem; color: rgba(255,255,255,0.38); line-height: 1.82; max-width: 280px; }
  .footer-col h4 { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
  .footer-links { list-style: none; display: flex; flex-direction: column; gap: 11px; }
  .footer-links a { font-size: 0.87rem; color: rgba(255,255,255,0.42); text-decoration: none; transition: color 0.2s; }
  .footer-links a:hover { color: var(--gold); }
  .footer-contact-item { display: flex; gap: 11px; margin-bottom: 13px; font-size: 0.87rem; color: rgba(255,255,255,0.42); align-items: flex-start; }
  .footer-contact-item span:first-child { color: var(--gold); flex-shrink: 0; }
  .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 26px; display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem; color: rgba(255,255,255,0.24); flex-wrap: wrap; gap: 12px; }

  /* ── PAGE 2 ── */
  #page-apply { background: var(--off-white); padding-top: 74px; }
  .apply-hero { background: var(--white); padding: 82px 8%; display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; border-bottom: 1px solid var(--grey-light); }
  .apply-hero-content .section-title { font-size: clamp(2rem, 3vw, 2.9rem); margin-bottom: 18px; }
  .req-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 28px; }
  .req-item { display: flex; align-items: flex-start; gap: 11px; background: var(--off-white); border: 1px solid var(--grey-light); border-radius: 10px; padding: 14px 16px; transition: border-color 0.2s; }
  .req-item:hover { border-color: var(--blue-border); }
  .req-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--blue); flex-shrink: 0; margin-top: 4px; }
  .req-item span:last-child { font-size: 0.85rem; color: var(--text-soft); line-height: 1.45; }
  .apply-visual { background: linear-gradient(145deg, var(--blue-light) 0%, rgba(255,255,255,0.6) 100%); border: 1.5px solid var(--blue-border); border-radius: 20px; padding: 46px 40px; box-shadow: var(--sh-md); }
  .apply-visual-title { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; color: var(--text); margin-bottom: 26px; }
  .av-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid rgba(24,71,194,0.1); }
  .av-row:last-of-type { border-bottom: none; margin-bottom: 22px; }
  .av-label { font-size: 0.8rem; color: var(--text-soft); font-weight: 500; }
  .av-val { font-family: var(--font-display); font-size: 1.18rem; font-weight: 700; color: var(--text); }
  .av-val.accent { color: var(--blue); }
  .av-badge { background: var(--gold); color: var(--white); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; padding: 6px 14px; border-radius: 100px; text-transform: uppercase; width: fit-content; }
  .calculator-wrap { padding: 72px 8%; }
  .calc-header { margin-bottom: 36px; }
  .calc-header h2 { font-family: var(--font-display); font-size: 2.1rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
  .calc-header p  { font-size: 0.93rem; color: var(--text-soft); }
  .calc-card { background: var(--white); border-radius: 20px; overflow: hidden; box-shadow: var(--sh-lg); border: 1px solid var(--grey-light); display: grid; grid-template-columns: 1fr 360px; }
  .calc-main { padding: 52px 48px; }
  .calc-field { margin-bottom: 44px; }
  .calc-field-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
  .calc-lbl { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--grey); }
  .calc-val { font-family: var(--font-display); font-size: 1.75rem; font-weight: 700; color: var(--text); }
  .calc-val sub { font-size: 0.95rem; font-family: var(--font-body); color: var(--grey); vertical-align: baseline; }
  input[type=range] { -webkit-appearance: none; width: 100%; height: 5px; border-radius: 3px; background: var(--grey-light); outline: none; cursor: pointer; }
  input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--white); border: 3px solid var(--blue); cursor: pointer; box-shadow: 0 2px 10px rgba(24,71,194,0.35); transition: transform 0.15s; }
  input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.18); }
  .range-labels { display: flex; justify-content: space-between; margin-top: 9px; font-size: 0.76rem; color: var(--grey); font-weight: 500; }
  .calc-divider { height: 1px; background: var(--grey-light); margin: 0 0 44px; }
  .calc-note { background: var(--gold-pale); border: 1px solid var(--gold-border); border-radius: 10px; padding: 16px 20px; font-size: 0.82rem; color: #7A5A10; line-height: 1.68; }
  .calc-sidebar { background: var(--blue); padding: 52px 36px; display: flex; flex-direction: column; }
  .sidebar-title { font-family: var(--font-display); font-size: 1.45rem; font-weight: 600; color: var(--white); margin-bottom: 4px; }
  .sidebar-sub   { font-size: 0.78rem; color: rgba(255,255,255,0.42); margin-bottom: 32px; }
  .res-row { display: flex; align-items: center; justify-content: space-between; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .res-row:last-of-type { border-bottom: none; }
  .res-lbl { font-size: 0.8rem; color: rgba(255,255,255,0.5); font-weight: 500; }
  .res-val { font-family: var(--font-display); font-size: 1.15rem; font-weight: 700; color: var(--white); }
  .res-val.hi { color: var(--gold); font-size: 1.28rem; }
  .sidebar-divider { height: 1px; background: rgba(255,255,255,0.1); margin: 20px 0; }
  .sidebar-disc { font-size: 0.71rem; color: rgba(255,255,255,0.26); line-height: 1.68; margin: 24px 0; }
  .apply-btn { width: 100%; background: var(--gold); color: var(--white); padding: 16px; border-radius: 8px; font-family: var(--font-body); font-size: 0.86rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; cursor: pointer; border: none; transition: all 0.25s; box-shadow: 0 6px 20px rgba(184,132,26,0.40); margin-top: auto; }
  .apply-btn:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(184,132,26,0.52); }
  .apply-steps { padding: 80px 8%; background: var(--white); }
  .apply-steps-hdr { text-align: center; margin-bottom: 58px; }
  .steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
  .step-card { border: 1.5px solid var(--grey-light); border-radius: 16px; padding: 42px 28px; position: relative; background: var(--white); transition: all 0.3s; box-shadow: var(--sh-sm); }
  .step-card:hover { border-color: var(--blue-border); box-shadow: var(--sh-md); transform: translateY(-4px); }
  .step-badge { position: absolute; top: -14px; left: 28px; background: var(--blue); color: var(--white); font-family: var(--font-display); font-size: 1rem; font-weight: 700; width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 12px rgba(24,71,194,0.40); }
  .step-card h3 { font-family: var(--font-display); font-size: 1.28rem; color: var(--text); margin-bottom: 10px; margin-top: 6px; }
  .step-card p  { font-size: 0.87rem; color: var(--text-soft); line-height: 1.78; }

  /* ── ANIMATIONS ── */
  @keyframes fadeUp { from { opacity: 0; transform: translateY(26px); } to { opacity: 1; transform: translateY(0); } }
  .page.active .hero-content > * { animation: fadeUp 0.65s ease both; }
  .page.active .hero-pill    { animation-delay: 0.05s; }
  .page.active .hero h1      { animation-delay: 0.15s; }
  .page.active .hero-desc    { animation-delay: 0.25s; }
  .page.active .hero-actions { animation-delay: 0.35s; }
  .page.active .hero-stats   { animation-delay: 0.45s; }

  /* ── MOBILE ── */
  @media (max-width: 900px) {
    .nav-links { display: none; }
    .hamburger { display: flex; }
    .hero, .about, .trust-section, .apply-hero { grid-template-columns: 1fr; }
    .hero-visual { min-height: 280px; order: -1; }
    .hero-content { padding: 48px 5%; }
    .about { padding: 60px 5%; gap: 52px; }
    .about-img-wrap { padding: 0 0 22px 22px; }
    .trust-photo { min-height: 280px; }
    .trust-content { padding: 52px 5%; }
    .services-grid, .process-steps, .steps-grid { grid-template-columns: 1fr; }
    .process-steps::before { display: none; }
    .apply-hero { padding: 48px 5%; }
    .req-grid { grid-template-columns: 1fr; }
    .calc-card { grid-template-columns: 1fr; }
    .calc-main, .calc-sidebar { padding: 32px 24px; }
    .footer-top { grid-template-columns: 1fr; gap: 38px; }
    .cta-band { padding: 60px 5%; flex-direction: column; align-items: flex-start; }
    .services, .process { padding: 60px 5%; }
    .calculator-wrap, .apply-steps { padding: 40px 5%; }
    .hero-float-card { display: none; }
    .modal { padding: 36px 28px; }
    .form-2col { grid-template-columns: 1fr; }
  }