/* =====================================================================
   Nio Capital — public site styles
   Palette taken from the Nio Capital logo: deep navy + blue→green gradient.
   ===================================================================== */
:root {
  --navy-900: #070c2e;
  --navy-800: #0b1446;
  --navy-700: #142063;
  --navy-600: #1f2d7a;
  --blue: #1e6ff2;
  --blue-600: #155bd0;
  --teal: #14b8b0;
  --green: #2fd6a3;
  --grad: linear-gradient(120deg, #1e6ff2 0%, #13b5c4 55%, #2fd6a3 100%);
  --ink: #0e1633;
  --ink-2: #3c4566;
  --ink-3: #6b7391;
  --line: #e2e6f0;
  --bg: #ffffff;
  --bg-soft: #f4f6fb;
  --bg-tint: #eef4ff;
  --danger: #c62828;
  --danger-bg: #fdecec;
  --success: #0f8a5f;
  --success-bg: #e6f7ef;
  --wa: #1fa855;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(11, 20, 70, .06), 0 2px 8px rgba(11, 20, 70, .05);
  --shadow: 0 10px 30px rgba(11, 20, 70, .10);
  --shadow-lg: 0 24px 60px rgba(11, 20, 70, .18);
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --container: 1180px;
  --accent: var(--blue);
}
.div-insurance { --accent: #1478d4; }
.div-loans { --accent: #0f9c7a; }

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg);
  font-size: 1rem; line-height: 1.65; -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--blue-600); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy-800); }
h1, h2, h3, h4 { line-height: 1.2; color: var(--navy-800); margin: 0 0 .6em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; }
:focus-visible { outline: 3px solid #5aa0ff; outline-offset: 2px; border-radius: 4px; }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--navy-800); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 1000; }
.skip-link:focus { top: 12px; color: #fff; }
.icon { width: 1.4em; height: 1.4em; flex: none; vertical-align: middle; }
.icon-sm { width: 1.05em; height: 1.05em; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font: 700 .98rem/1 var(--font); padding: .9em 1.4em; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--navy-800); color: #fff; box-shadow: 0 6px 18px rgba(11, 20, 70, .25); }
.btn-primary:hover { background: var(--navy-700); color: #fff; }
.btn-accent { background: var(--grad); color: #fff; box-shadow: 0 8px 22px rgba(30, 111, 242, .3); }
.btn-accent:hover { color: #fff; box-shadow: 0 10px 28px rgba(30, 111, 242, .4); }
.btn-outline { border-color: var(--navy-800); color: var(--navy-800); background: transparent; }
.btn-outline:hover { background: var(--navy-800); color: #fff; }
.btn-light { background: #fff; color: var(--navy-800); }
.btn-light:hover { color: var(--navy-800); box-shadow: var(--shadow); }
.btn-ghost-light { border-color: rgba(255, 255, 255, .5); color: #fff; }
.btn-ghost-light:hover { background: rgba(255, 255, 255, .12); color: #fff; }
.btn-whatsapp { background: var(--wa); color: #fff; }
.btn-whatsapp:hover { background: #178f47; color: #fff; }
.btn-sm { font-size: .88rem; padding: .7em 1.1em; }
.btn-lg { font-size: 1.03rem; padding: 1em 1.6em; }
.btn-block { width: 100%; }
.btn[disabled], .btn.is-loading { opacity: .75; pointer-events: none; }
.spinner { display: none; width: 1.1em; height: 1.1em; border: 2.5px solid rgba(255, 255, 255, .4); border-top-color: #fff; border-radius: 50%; animation: spin .8s linear infinite; }
.is-loading .spinner { display: inline-block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--navy-900); color: #c6cbe6; font-size: .85rem; }
.topbar-inner { display: flex; justify-content: space-between; gap: 16px; padding-top: 7px; padding-bottom: 7px; flex-wrap: wrap; }
.topbar a { color: #e6e9f7; text-decoration: none; }
.topbar a:hover { color: #fff; }
.topbar-links { display: flex; gap: 20px; }
.topbar-item, .topbar a { display: inline-flex; align-items: center; gap: 6px; }

.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255, 255, 255, .92); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 118px; height: auto; display: block; }
.brand-division { font-weight: 800; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: #fff; background: var(--accent); padding: 5px 10px; border-radius: 999px; }
.site-nav { display: flex; align-items: center; gap: 22px; }
.site-nav > ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 6px; }
.site-nav a, .nav-drop summary {
  display: inline-flex; align-items: center; gap: 6px; padding: 9px 12px; border-radius: 10px;
  font-weight: 600; font-size: .95rem; color: var(--ink); text-decoration: none; cursor: pointer;
}
.site-nav a:hover, .nav-drop summary:hover { background: var(--bg-soft); color: var(--navy-800); }
.site-nav a.is-active { color: var(--accent); background: var(--bg-tint); }
.nav-switch { color: var(--accent) !important; }
.nav-cta { color: #fff !important; }
.nav-cta:hover { background: var(--navy-700) !important; }
.nav-drop { position: relative; }
.nav-drop summary { list-style: none; }
.nav-drop summary::-webkit-details-marker { display: none; }
.nav-drop summary::after { content: ""; width: 7px; height: 7px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px); margin-left: 4px; }
.nav-drop[open] summary::after { transform: rotate(-135deg) translateY(-1px); }
.nav-drop > ul { list-style: none; margin: 0; padding: 8px; position: absolute; top: calc(100% + 8px); left: 0; min-width: 250px; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow); }
.nav-drop > ul a { display: flex; width: 100%; }
.nav-drop > ul .icon { color: var(--accent); }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 12px; padding: 8px; color: var(--navy-800); cursor: pointer; }
.nav-toggle-close { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle-open { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle-close { display: inline; }

@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .js .site-nav { display: none; }
  .site-nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); flex-direction: column; align-items: stretch; padding: 12px 20px 20px; gap: 12px; max-height: calc(100vh - 110px); overflow-y: auto; }
  .js .site-nav.is-open { display: flex; }
  .site-nav > ul { flex-direction: column; align-items: stretch; }
  .site-nav a, .nav-drop summary { padding: 12px; width: 100%; }
  .nav-drop > ul { position: static; box-shadow: none; border: 0; padding: 0 0 0 12px; min-width: 0; }
  .no-js .nav-toggle { display: none; }
  .no-js .site-header { position: static; }
  .no-js .site-nav { position: static; box-shadow: none; border: 0; padding: 0 0 12px; }
  .no-js .header-inner { flex-wrap: wrap; }
}
@media (max-width: 560px) {
  .hide-sm { display: none !important; }
  .topbar-item { display: none; }
  .topbar-inner { justify-content: center; }
  .brand img { width: 100px; }
}

/* ---------- Generic sections ---------- */
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section-soft { background: var(--bg-soft); }
.section-tint { background: linear-gradient(180deg, var(--bg-tint), #fff); }
.section-head { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.section-head.left { margin-left: 0; text-align: left; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.eyebrow::before { content: ""; width: 22px; height: 3px; border-radius: 3px; background: var(--grad); }
.lead { font-size: 1.12rem; color: var(--ink-2); }
.muted { color: var(--ink-3); }
.section-title { margin-bottom: 24px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 960px) { .grid-2 { grid-template-columns: 1fr; gap: 32px; } .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .grid-3, .grid-4 { grid-template-columns: 1fr; } }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; color: #fff; background: radial-gradient(1200px 500px at 85% -10%, rgba(47, 214, 163, .25), transparent 60%), radial-gradient(900px 500px at -10% 110%, rgba(30, 111, 242, .35), transparent 60%), var(--navy-800); }
.hero::after { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255, 255, 255, .08) 1px, transparent 1px); background-size: 22px 22px; mask-image: linear-gradient(180deg, #000, transparent 85%); -webkit-mask-image: linear-gradient(180deg, #000, transparent 85%); pointer-events: none; }
.hero .container { position: relative; z-index: 1; }
.hero h1, .hero h2 { color: #fff; }
.hero .lead { color: #cfd5ef; }
.hero .eyebrow { color: #7fe7c4; }
.hero-inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; padding-top: clamp(56px, 8vw, 104px); padding-bottom: clamp(56px, 8vw, 104px); }
.hero-art { width: 100%; max-width: 440px; margin-left: auto; display: block; filter: drop-shadow(0 30px 50px rgba(0, 0, 0, .25)); animation: float 6s ease-in-out infinite; }
@keyframes float { 50% { transform: translateY(-8px); } }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-points { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; color: #dfe4fa; font-weight: 600; font-size: .95rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; }
.hero-points .icon { color: var(--green); }
.grad-text { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
@media (max-width: 860px) { .hero-inner { grid-template-columns: 1fr; } .hero-art { max-width: 300px; margin: 0 auto; } }

.page-hero { background: var(--navy-800); color: #fff; padding: 48px 0 52px; position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; right: -120px; top: -160px; width: 420px; height: 420px; border-radius: 50%; background: var(--grad); opacity: .28; filter: blur(30px); }
.page-hero .container { position: relative; }
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.7rem); margin-bottom: .3em; }
.page-hero p { color: #cfd5ef; max-width: 720px; margin: 0; font-size: 1.08rem; }
.page-hero .product-icon { background: rgba(255, 255, 255, .12); color: #fff; margin-bottom: 14px; }
.breadcrumbs ol { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 6px; font-size: .88rem; color: #aab3da; }
.breadcrumbs li + li::before { content: "›"; margin-right: 6px; color: #7a85b8; }
.breadcrumbs a { color: #dfe4fa; text-decoration: none; }
.breadcrumbs a:hover { color: #fff; text-decoration: underline; }

/* ---------- Division cards (welcome page) ---------- */
.division-wrap { margin-top: -70px; position: relative; z-index: 2; }
.division-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
@media (max-width: 820px) { .division-grid { grid-template-columns: 1fr; } }
.division-card {
  position: relative; display: flex; flex-direction: column; gap: 14px; padding: 36px; min-height: 300px;
  background: #fff; border-radius: 24px; border: 1px solid var(--line); box-shadow: var(--shadow);
  text-decoration: none; color: var(--ink); overflow: hidden; transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.division-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 6px; background: var(--card-grad); }
.division-card::after { content: ""; position: absolute; right: -80px; bottom: -80px; width: 240px; height: 240px; border-radius: 50%; background: var(--card-grad); opacity: .08; transition: transform .4s ease, opacity .3s; }
.division-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; color: var(--ink); }
.division-card:hover::after { transform: scale(1.25); opacity: .14; }
.division-card:focus-visible { outline: 4px solid #5aa0ff; outline-offset: 4px; }
.division-card.ins { --card-grad: linear-gradient(120deg, #1e6ff2, #13b5c4); }
.division-card.loan { --card-grad: linear-gradient(120deg, #13b5c4, #2fd6a3); }
.division-icon { width: 64px; height: 64px; border-radius: 18px; display: grid; place-items: center; color: #fff; background: var(--card-grad); box-shadow: 0 10px 24px rgba(30, 111, 242, .25); }
.division-icon .icon { width: 32px; height: 32px; }
.division-card h2 { font-size: 1.6rem; margin: 6px 0 0; }
.division-card h2 small { display: block; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); font-weight: 700; margin-bottom: 4px; }
.division-card p { color: var(--ink-2); margin: 0; font-size: 1.04rem; }
.division-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 4px; }
.division-tags span { font-size: .8rem; font-weight: 600; padding: 5px 11px; border-radius: 999px; background: var(--bg-soft); color: var(--ink-2); }
.division-card .btn { margin-top: auto; align-self: flex-start; position: relative; z-index: 1; }
.division-card:hover .btn { background: var(--navy-700); }
.division-card:hover .btn .icon { transform: translateX(3px); }
.division-card .btn .icon { transition: transform .2s; }

/* ---------- Cards ---------- */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); }
.feature { display: flex; flex-direction: column; gap: 10px; }
.feature-icon, .product-icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--bg-tint); color: var(--accent); }
.feature h3 { margin: 6px 0 0; }
.feature p { margin: 0; color: var(--ink-2); }

.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 960px) { .product-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .product-grid { grid-template-columns: 1fr; } }
.product-card { display: flex; flex-direction: column; gap: 10px; padding: 26px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: transform .2s ease, box-shadow .2s ease, border-color .2s; }
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: color-mix(in srgb, var(--accent) 40%, var(--line)); color: var(--ink); }
.product-card h3 { margin: 8px 0 0; }
.product-card p { margin: 0; color: var(--ink-2); font-size: .97rem; }
.link-arrow { margin-top: auto; padding-top: 8px; display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--accent); }
.product-card:hover .link-arrow .icon { transform: translateX(3px); }
.link-arrow .icon { transition: transform .2s; }

.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 32px; }
.stat { padding: 18px 20px; border-radius: 14px; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14); }
.stat strong { display: block; font-size: 1.25rem; color: #fff; }
.stat span { font-size: .88rem; color: #c6cbe6; }
@media (max-width: 600px) { .stat-row { grid-template-columns: 1fr; } }

.check-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.check-list li { position: relative; padding-left: 34px; color: var(--ink-2); }
.check-list li::before { content: ""; position: absolute; left: 0; top: .2em; width: 22px; height: 22px; border-radius: 50%; background: var(--bg-tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231e6ff2' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center / 13px no-repeat; }

.type-list { display: grid; gap: 14px; }
.type-item { padding: 18px 20px; border-radius: 14px; border: 1px solid var(--line); background: #fff; }
.type-item h3 { font-size: 1.02rem; margin: 0 0 4px; }
.type-item p { margin: 0; color: var(--ink-2); font-size: .96rem; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 0; }
.chips li { padding: 8px 14px; border-radius: 999px; background: var(--bg-tint); color: var(--navy-700); font-weight: 600; font-size: .92rem; }

/* ---------- Steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: s; }
@media (max-width: 960px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding: 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.step-num { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: var(--grad); color: #fff; font-weight: 800; margin-bottom: 14px; }
.step h3 { font-size: 1.05rem; margin-bottom: 6px; }
.step p { margin: 0; color: var(--ink-2); font-size: .95rem; }

/* ---------- FAQ ---------- */
.faq-list { display: grid; gap: 12px; }
.faq-item { border: 1px solid var(--line); border-radius: 14px; background: #fff; transition: box-shadow .2s, border-color .2s; }
.faq-item[open] { box-shadow: var(--shadow-sm); border-color: color-mix(in srgb, var(--accent) 30%, var(--line)); }
.faq-item summary { list-style: none; cursor: pointer; padding: 18px 54px 18px 20px; font-weight: 700; color: var(--navy-800); position: relative; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--bg-tint); color: var(--accent); font-size: 1.2rem; line-height: 1; transition: transform .2s; }
.faq-item[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq-answer { padding: 0 20px 18px; color: var(--ink-2); }
.faq-answer p { margin: 0; }

/* ---------- Disclaimer / notices ---------- */
.disclaimer-box { display: flex; gap: 14px; align-items: flex-start; padding: 18px 20px; border-radius: 14px; background: #fff8e6; border: 1px solid #f3dfa7; color: #5b4a1a; font-size: .94rem; }
.disclaimer-box .icon { color: #b8860b; margin-top: 2px; }
.disclaimer-box p { margin: 4px 0 0; }
.disclaimer-box a { color: #7a5b00; font-weight: 600; }

.wa-assist { display: grid; grid-template-columns: auto 1fr auto; gap: 18px; align-items: center; padding: 22px 24px; border-radius: var(--radius); background: #effbf3; border: 1px solid #c6ecd4; }
.wa-assist h3 { margin: 0 0 4px; color: #0f5132; }
.wa-assist p { margin: 0; color: #2c5a41; font-size: .95rem; }
.wa-assist-icon { width: 52px; height: 52px; border-radius: 50%; background: var(--wa); color: #fff; display: grid; place-items: center; }
@media (max-width: 720px) { .wa-assist { grid-template-columns: 1fr; text-align: left; } }

/* ---------- Forms ---------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: clamp(22px, 4vw, 36px); box-shadow: var(--shadow); }
.form-card h2, .form-card h3 { margin-bottom: 6px; }
.form-card > p { color: var(--ink-2); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; margin: 18px 0 8px; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field-full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .92rem; color: var(--navy-800); }
.req { color: var(--danger); }
.opt { color: var(--ink-3); font-weight: 500; font-size: .85em; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink); background: #fff;
  border: 1.5px solid #cfd5e4; border-radius: 12px; padding: 12px 14px; transition: border-color .15s, box-shadow .15s;
  min-height: 48px;
}
.field textarea { resize: vertical; min-height: 96px; }
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b1446' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 40px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(30, 111, 242, .15); }
.field.has-error input, .field.has-error select, .field.has-error textarea, [aria-invalid="true"] { border-color: var(--danger) !important; }
.field-error { margin: 0; color: var(--danger); font-size: .85rem; font-weight: 600; }
.field-hint { margin: 0; color: var(--ink-3); font-size: .82rem; }
.field-consent .check { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; font-size: .88rem; color: var(--ink-2); line-height: 1.5; cursor: pointer; }
.field-consent input { width: 20px; height: 20px; min-height: 0; margin-top: 2px; flex: none; accent-color: var(--navy-800); }
.form-safety { display: flex; gap: 8px; align-items: flex-start; font-size: .84rem; color: var(--ink-3); margin: 10px 0 18px; }
.form-safety .icon { margin-top: 3px; color: var(--teal); }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-alert { display: flex; gap: 10px; align-items: flex-start; padding: 14px 16px; border-radius: 12px; font-weight: 600; font-size: .94rem; margin-top: 12px; }
.form-alert.is-error { background: var(--danger-bg); color: #8a1c1c; border: 1px solid #f5c2c2; }
.form-alert .icon { margin-top: 2px; }
.lead-form.is-hidden-after-success > *:not(.form-result) { display: none; }
.js-business[hidden], .js-income[hidden] { display: none !important; }

.success-panel { text-align: center; padding: 10px 4px; animation: pop .35s ease; }
@keyframes pop { from { opacity: 0; transform: scale(.97); } to { opacity: 1; transform: none; } }
.success-icon { width: 72px; height: 72px; margin: 0 auto 14px; border-radius: 50%; background: var(--success-bg); color: var(--success); display: grid; place-items: center; }
.success-icon .icon { width: 38px; height: 38px; }
.success-panel h3 { font-size: 1.4rem; margin-bottom: 6px; }
.ref-box { display: inline-flex; flex-direction: column; gap: 2px; margin: 14px 0 18px; padding: 14px 22px; border-radius: 14px; background: var(--bg-tint); border: 1px dashed #9fbdf5; }
.ref-box span { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); }
.ref-box strong { font-size: 1.4rem; letter-spacing: .06em; color: var(--navy-800); font-family: ui-monospace, "SFMono-Regular", Menlo, Consolas, monospace; }
.success-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.success-panel .small { font-size: .86rem; color: var(--ink-3); margin-top: 14px; }

/* ---------- Content blocks ---------- */
.prose { max-width: 820px; }
.prose h2 { font-size: 1.45rem; margin-top: 1.8em; }
.prose h3 { margin-top: 1.4em; }
.prose p, .prose li { color: var(--ink-2); }
.prose li { margin-bottom: .4em; }
.editable-note { padding: 14px 16px; border-left: 4px solid #f0b429; background: #fffaeb; border-radius: 8px; font-size: .9rem; color: #6b5310; margin-bottom: 28px; }

.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list .feature-icon { width: 46px; height: 46px; border-radius: 12px; }
.contact-list strong { display: block; color: var(--navy-800); }
.contact-list a { color: var(--ink-2); text-decoration: none; }
.contact-list a:hover { color: var(--blue-600); text-decoration: underline; }
.contact-list span { color: var(--ink-2); }

.sticky-side { position: sticky; top: 100px; }
@media (max-width: 960px) { .sticky-side { position: static; } }

/* ---------- CTA band ---------- */
.cta-band { background: var(--grad); color: #fff; }
.cta-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding-top: 48px; padding-bottom: 48px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { margin: 0; color: rgba(255, 255, 255, .9); max-width: 560px; }
.cta-band-actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9c0de; font-size: .94rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.3fr; gap: 32px; padding-top: 64px; padding-bottom: 40px; }
@media (max-width: 1060px) { .footer-grid { grid-template-columns: 1fr 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.footer-brand img { width: 190px; margin-bottom: 16px; }
.footer-brand p { max-width: 340px; }
.footer-h { color: #fff; font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.footer-links, .footer-contact { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.site-footer a { color: #d8ddf2; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .icon { margin-top: 4px; color: var(--green); }
@media (max-width: 600px) { .footer-grid > div:last-child { grid-column: 1 / -1; } }
.footer-disclaimer { padding-bottom: 28px; }
.footer-disclaimer p { margin: 0; padding: 18px 20px; border-radius: 12px; background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .08); font-size: .84rem; line-height: 1.6; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); font-size: .85rem; }
.footer-bottom-inner { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; padding-top: 18px; padding-bottom: 18px; }

/* ---------- WhatsApp floating button ---------- */
.wa-float { position: fixed; right: 18px; bottom: 18px; z-index: 90; display: inline-flex; align-items: center; gap: 8px; background: var(--wa); color: #fff; padding: 12px 18px 12px 14px; border-radius: 999px; box-shadow: 0 10px 26px rgba(16, 120, 60, .35); font-weight: 700; text-decoration: none; transition: transform .2s, box-shadow .2s; }
.wa-float:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 14px 30px rgba(16, 120, 60, .45); }
.wa-float .icon { width: 24px; height: 24px; }
@media (max-width: 560px) { .wa-float span { display: none; } .wa-float { padding: 14px; } }

/* ---------- Misc ---------- */
.badge-note { display: inline-flex; gap: 8px; align-items: center; padding: 8px 14px; border-radius: 999px; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18); font-size: .88rem; font-weight: 600; color: #e6e9f7; margin-bottom: 18px; }
.badge-note .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px rgba(47, 214, 163, .25); }
.center { text-align: center; }
.mt-0 { margin-top: 0; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 36px; } .mb-0 { margin-bottom: 0; }
.error-page { text-align: center; padding: 100px 0; }
.error-code { font-size: clamp(4rem, 14vw, 8rem); font-weight: 800; line-height: 1; margin-bottom: 8px; }

/* Scroll reveal (only when JS is on; content is visible without JS) */
.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }

@media print {
  .topbar, .site-header, .wa-float, .cta-band, .site-footer, .nav-toggle { display: none !important; }
  .hero, .page-hero { background: #fff !important; color: #000 !important; }
}
.grid-2.grid-main { grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr); }
@media (max-width: 960px) { .grid-2.grid-main { grid-template-columns: 1fr; } }

/* =====================================================================
   v1.1 — Modernised visuals, background images and mobile web-app shell
   Background images live in /assets/img/ — replace any bg-*.jpg with your own
   photo of the same name (dark overlays keep text readable).
   ===================================================================== */
:root {
  --app-nav-h: 68px;
  --safe-b: env(safe-area-inset-bottom, 0px);
  --radius: 18px;
  --shadow-sm: 0 1px 2px rgba(11, 20, 70, .05), 0 4px 14px rgba(11, 20, 70, .06);
}
html { -webkit-tap-highlight-color: transparent; }
a, button, summary, label { touch-action: manipulation; }
.keep-case { text-transform: none; letter-spacing: .04em; }
.lead-sm { font-size: 1rem; }

/* ---------- Background images ---------- */
.hero {
  background:
    linear-gradient(100deg, rgba(7, 12, 46, .82) 0%, rgba(7, 12, 46, .55) 45%, rgba(7, 12, 46, .15) 100%),
    url("../img/bg-hero-home.jpg") center / cover no-repeat,
    var(--navy-800);
}
.div-insurance .hero { background-image: linear-gradient(100deg, rgba(7, 12, 46, .82) 0%, rgba(7, 12, 46, .5) 50%, rgba(7, 12, 46, .1) 100%), url("../img/bg-hero-insurance.jpg"); }
.div-loans .hero { background-image: linear-gradient(100deg, rgba(7, 12, 46, .82) 0%, rgba(7, 12, 46, .5) 50%, rgba(7, 12, 46, .1) 100%), url("../img/bg-hero-loans.jpg"); }
.hero::after { opacity: .5; }

.page-hero {
  background:
    linear-gradient(100deg, rgba(7, 12, 46, .85) 0%, rgba(7, 12, 46, .45) 60%, rgba(7, 12, 46, .2) 100%),
    url("../img/bg-page.jpg") center / cover no-repeat,
    var(--navy-800);
}
.div-insurance .page-hero { background-image: linear-gradient(100deg, rgba(7, 12, 46, .85) 0%, rgba(7, 12, 46, .45) 60%, rgba(7, 12, 46, .2) 100%), url("../img/bg-page-insurance.jpg"); }
.div-loans .page-hero { background-image: linear-gradient(100deg, rgba(7, 12, 46, .85) 0%, rgba(7, 12, 46, .45) 60%, rgba(7, 12, 46, .2) 100%), url("../img/bg-page-loans.jpg"); }
.page-hero::before { opacity: .18; }

.cta-band { background: url("../img/bg-cta.jpg") center / cover no-repeat, var(--grad); }
.section-tint { background: url("../img/bg-section-light.jpg") center / cover no-repeat, linear-gradient(180deg, var(--bg-tint), #fff); }

/* ---------- Modernised surfaces ---------- */
.site-header { background: rgba(255, 255, 255, .94); box-shadow: 0 1px 0 rgba(11, 20, 70, .04), 0 8px 24px rgba(11, 20, 70, .04); }
.card, .product-card, .step, .type-item, .faq-item { border-color: #e6e9f2; }
.product-card, .card.feature { position: relative; overflow: hidden; }
.product-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 3px; background: var(--grad);
  transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.product-card:hover::before { transform: scaleX(1); }
.product-icon, .feature-icon { background: linear-gradient(135deg, #eaf2ff, #e3faf2); }
.product-card:hover .product-icon { background: var(--grad); color: #fff; }
.product-icon, .product-icon .icon { transition: background .25s ease, color .25s ease; }
.form-card { border-radius: 24px; box-shadow: 0 20px 50px rgba(11, 20, 70, .10); }
.btn-accent { background-size: 160% 100%; background-position: 0 0; transition: background-position .4s ease, transform .15s ease, box-shadow .2s; }
.btn-accent:hover { background-position: 100% 0; }
.stat { backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.stat-stack { grid-template-columns: 1fr; max-width: 340px; margin-left: auto; margin-top: 0; }
.hero-inner-welcome { padding-bottom: 140px; }

/* ---------- Bottom sheets ---------- */
.sheet { display: none; position: fixed; inset: 0; z-index: 300; }
.sheet:target, .sheet.is-open { display: block; }
.sheet-backdrop { position: absolute; inset: 0; background: rgba(7, 12, 46, .55); backdrop-filter: blur(2px); -webkit-backdrop-filter: blur(2px); animation: fade .2s ease; }
.sheet-panel {
  position: absolute; left: 50%; bottom: 0; transform: translateX(-50%); width: 100%; max-width: 520px;
  max-height: 88vh; overflow-y: auto; background: #fff; border-radius: 24px 24px 0 0;
  padding: 10px 20px calc(22px + var(--safe-b)); box-shadow: 0 -20px 60px rgba(0, 0, 0, .25);
  animation: sheet-up .28s cubic-bezier(.2, .8, .2, 1);
}
@media (min-width: 821px) {
  .sheet-panel { bottom: auto; top: 50%; transform: translate(-50%, -50%); border-radius: 24px; animation: fade .2s ease; }
}
@keyframes sheet-up { from { transform: translate(-50%, 100%); } to { transform: translate(-50%, 0); } }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }
.sheet-grip { display: block; width: 44px; height: 5px; border-radius: 5px; background: #d5daea; margin: 4px auto 10px; }
.sheet-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 14px; }
.sheet-head h2 { font-size: 1.2rem; margin: 0; }
.sheet-close { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--bg-soft); color: var(--navy-800); }
.sheet-options { display: grid; gap: 12px; }
.sheet-option {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 14px; padding: 16px;
  border-radius: 18px; border: 1px solid var(--line); text-decoration: none; color: var(--ink); background: #fff;
  transition: border-color .2s, box-shadow .2s, transform .15s;
}
.sheet-option:hover { border-color: #b9cdf7; box-shadow: var(--shadow-sm); color: var(--ink); }
.sheet-option:active { transform: scale(.98); }
.sheet-option strong { display: block; color: var(--navy-800); }
.sheet-option small, .sheet-line small { color: var(--ink-3); font-size: .85rem; }
.sheet-option-icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; color: #fff; background: linear-gradient(135deg, #1e6ff2, #13b5c4); }
.loan .sheet-option-icon { background: linear-gradient(135deg, #13b5c4, #2fd6a3); }
.sheet-line { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; align-items: center; padding: 14px; border-radius: 18px; background: var(--bg-soft); margin-bottom: 10px; }
.sheet-line-text strong { display: block; color: var(--navy-800); }
.sheet-line-actions { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.sheet-btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; padding: 11px; border-radius: 12px; background: #fff; border: 1px solid var(--line); font-weight: 700; color: var(--navy-800); text-decoration: none; }
.sheet-btn-wa { background: var(--wa); border-color: var(--wa); color: #fff; }
.sheet-btn-wa:hover { color: #fff; background: #178f47; }
.sheet-meta { list-style: none; padding: 0; margin: 14px 0 16px; display: grid; gap: 8px; font-size: .9rem; color: var(--ink-2); }
.sheet-meta li { display: flex; gap: 8px; align-items: center; }
body.sheet-open { overflow: hidden; }

/* ---------- Bottom navigation (mobile web-app) ---------- */
.app-nav { display: none; }
@media (max-width: 820px) {
  body { padding-bottom: calc(var(--app-nav-h) + var(--safe-b)); }
  .app-nav {
    display: grid; grid-template-columns: repeat(5, 1fr); align-items: end;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 200;
    height: calc(var(--app-nav-h) + var(--safe-b)); padding: 6px 6px calc(6px + var(--safe-b));
    background: rgba(255, 255, 255, .94); backdrop-filter: saturate(1.6) blur(14px); -webkit-backdrop-filter: saturate(1.6) blur(14px);
    border-top: 1px solid rgba(11, 20, 70, .08); box-shadow: 0 -8px 24px rgba(11, 20, 70, .08);
  }
  .app-nav-item {
    display: flex; flex-direction: column; align-items: center; justify-content: flex-end; gap: 3px;
    min-height: 52px; padding: 4px 2px; border-radius: 14px; text-decoration: none;
    color: var(--ink-3); font-size: .7rem; font-weight: 700; letter-spacing: .01em;
  }
  .app-nav-item .icon { width: 24px; height: 24px; }
  .app-nav-item.is-active { color: var(--accent); }
  .app-nav-item.is-active .icon { filter: drop-shadow(0 2px 6px rgba(30, 111, 242, .35)); }
  .app-nav-item:active { transform: scale(.94); }
  .app-nav-main { color: var(--navy-800); }
  .app-nav-fab {
    display: grid; place-items: center; width: 54px; height: 54px; margin-top: -26px; border-radius: 18px;
    background: var(--grad); color: #fff; box-shadow: 0 10px 22px rgba(30, 111, 242, .38); border: 4px solid #fff;
  }
  .app-nav-fab .icon { width: 26px; height: 26px; }

  /* App-like chrome */
  .topbar, .wa-float { display: none; }
  .site-header { position: sticky; top: 0; padding-top: env(safe-area-inset-top, 0px); }
  .header-inner { min-height: 62px; }
  .brand img { width: 96px; }
  .nav-cta { display: none !important; }
  .site-nav { max-height: calc(100vh - 62px - var(--app-nav-h)); }
  .footer-bottom-inner { padding-bottom: 22px; }
}

/* ---------- Mobile layout refinements ---------- */
@media (max-width: 820px) {
  .section { padding: 52px 0; }
  .hero-inner { padding-top: 40px; padding-bottom: 48px; gap: 24px; }
  .hero-inner-welcome { padding-bottom: 110px; }
  .hero h1 { font-size: clamp(1.9rem, 8vw, 2.4rem); }
  .hero .lead { font-size: 1.02rem; }
  .hero-art { max-width: 220px; }
  .hero-actions .btn { flex: 1 1 auto; }
  .stat-stack { max-width: none; margin: 0; grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 78%; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 4px; scrollbar-width: none; }
  .stat-stack::-webkit-scrollbar { display: none; }
  .stat-stack .stat { scroll-snap-align: start; }
  .division-wrap { margin-top: -80px; }
  .division-card { padding: 24px; min-height: 0; border-radius: 22px; }
  .division-card h2 { font-size: 1.35rem; }
  .page-hero { padding: 30px 0 34px; }
  .section-head { margin-bottom: 28px; }
}
@media (max-width: 600px) {
  .product-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .product-card { padding: 16px; gap: 6px; border-radius: 16px; }
  .product-card h3 { font-size: .98rem; margin-top: 4px; }
  .product-card p { font-size: .84rem; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
  .product-card .link-arrow { font-size: .85rem; }
  .product-icon { width: 44px; height: 44px; border-radius: 12px; }
  .steps { grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 82%; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 6px; scrollbar-width: none; }
  .steps::-webkit-scrollbar { display: none; }
  .step { scroll-snap-align: start; }
  .grid-4 .card, .grid-3 .card { padding: 22px; }
  .form-card { border-radius: 20px; padding: 20px; }
  .cta-band-actions { width: 100%; }
  .cta-band-actions .btn { flex: 1 1 100%; }
  .footer-grid { padding-top: 44px; }
}

/* Installed (standalone) app tweaks */
@media (display-mode: standalone) {
  .topbar { display: none; }
}
.field-consent-optional { margin-top: -6px; } .field-consent-optional .check { color: var(--ink-3); }

/* ---------- v1.4: lender offer cards ---------- */
.offer-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); gap: 22px; }
.offer-card { display: flex; flex-direction: column; gap: 14px; padding: 24px; background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease; min-width: 0; }
.offer-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.offer-top { display: flex; align-items: center; gap: 14px; }
.offer-top h3 { margin: 0; font-size: 1.15rem; }
.offer-logo { width: 58px; height: 58px; border-radius: 14px; object-fit: contain; background: #fff; border: 1px solid var(--line); padding: 6px; flex: none; }
.offer-ini { display: grid; place-items: center; font-weight: 800; color: var(--blue); background: var(--bg-tint); padding: 0; }
.offer-type { font-size: .8rem; font-weight: 700; color: var(--ink-3); text-transform: uppercase; letter-spacing: .08em; }
.offer-figs { display: grid; grid-template-columns: repeat(auto-fit, minmax(110px, 1fr)); gap: 10px; }
.offer-figs > div { padding: 12px 14px; border-radius: 14px; background: var(--bg-tint); }
.offer-figs strong { display: block; font-size: 1.1rem; color: var(--navy-800); line-height: 1.25; }
.offer-figs small { color: var(--ink-3); font-size: .78rem; font-weight: 600; }
.offer-tag { margin: 0; color: var(--ink-2); }
.offer-points { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; font-size: .94rem; color: var(--ink-2); }
.offer-points .icon { color: var(--teal); }
.offer-chips .chip { padding: 5px 11px; border-radius: 999px; background: var(--bg-soft); color: var(--navy-700); font-weight: 600; font-size: .8rem; }
.offer-card .btn { margin-top: auto; }
.offer-note { margin: 0; font-size: .78rem; color: var(--ink-3); text-align: center; }
.apply-head { display: flex; align-items: center; gap: 16px; margin-bottom: 14px; }
.apply-head .offer-logo { width: 72px; height: 72px; }
.apply-steps { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; }
.apply-steps li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-2); }
.apply-steps b { flex: none; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--grad); color: #fff; font-size: .85rem; }