:root {
  --ink: #0f2038;
  --muted: #5d6b7d;
  --paper: #f7fafc;
  --soft-blue: #eef5fb;
  --soft-mint: #eef7f5;
  --soft-peach: #f6f9fc;
  --soft-lilac: #f2f6fb;
  --gold: #c79a45;
  --red: #173a63;
  --blue: #0f3a66;
  --green: #1f5d76;
  --white: #ffffff;
  --line: rgba(36, 49, 63, 0.12);
  --shadow: 0 24px 70px rgba(36, 49, 63, 0.13);
  --shadow-strong: 0 32px 90px rgba(32, 44, 58, 0.18);
  --radius: 8px;
}

@keyframes fadeSlideUp {
  from {
    opacity: 0;
    transform: translateY(28px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes softFloat {
  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-12px);
  }
}

@keyframes ringGlow {
  0%,
  100% {
    filter: hue-rotate(0deg) brightness(1);
  }

  50% {
    filter: hue-rotate(14deg) brightness(1.08);
  }
}

@keyframes gradientTravel {
  0% {
    background-position: 0% 50%;
  }

  50% {
    background-position: 100% 50%;
  }

  100% {
    background-position: 0% 50%;
  }
}

@keyframes shineSweep {
  from {
    transform: translateX(-130%) rotate(16deg);
  }

  to {
    transform: translateX(180%) rotate(16deg);
  }
}

* {
  box-sizing: border-box;
}

html.theme-transition,
html.theme-transition *,
html.theme-transition *::before,
html.theme-transition *::after {
  transition:
    background-color 360ms ease,
    background 360ms ease,
    border-color 360ms ease,
    box-shadow 360ms ease,
    color 360ms ease,
    fill 360ms ease,
    stroke 360ms ease !important;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 8% 8%, rgba(34, 107, 191, 0.13), transparent 28%),
    radial-gradient(circle at 88% 18%, rgba(214, 154, 45, 0.16), transparent 25%),
    linear-gradient(135deg, rgba(232, 244, 251, 0.72), transparent 34%),
    linear-gradient(315deg, rgba(255, 240, 228, 0.88), transparent 35%),
    var(--paper);
}

body.menu-open {
  overflow: hidden;
}

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

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 250, 244, 0.86);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(18px);
  box-shadow: 0 10px 36px rgba(32, 44, 58, 0.05);
}

.nav {
  width: min(1180px, calc(100% - 32px));
  min-height: 82px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 0;
}

.brand img {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(214, 154, 45, 0.35);
  box-shadow: 0 12px 28px rgba(36, 49, 63, 0.1);
}

.brand strong,
.brand small {
  display: block;
  line-height: 1.1;
}

.brand strong {
  font-size: clamp(0.95rem, 2vw, 1.08rem);
}

.brand small {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #344353;
  font-size: 0.95rem;
  font-weight: 600;
}

.nav-links a {
  position: relative;
  padding: 10px 10px;
  border-radius: var(--radius);
  transition: color 180ms ease, transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 12px;
  right: 12px;
  bottom: 7px;
  height: 2px;
  border-radius: 99px;
  background: linear-gradient(90deg, var(--red), var(--gold), var(--blue));
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 180ms ease;
}

.nav-links a:hover {
  color: var(--blue);
  background: rgba(34, 107, 191, 0.07);
  box-shadow: 0 12px 26px rgba(36, 49, 63, 0.1);
  transform: translateY(-3px) scale(1.03);
}

.nav-links a:hover::after {
  transform: scaleX(1);
}

.nav-links a.active-link {
  color: var(--blue);
  background: rgba(34, 107, 191, 0.08);
}

.nav-links a.active-link::after {
  transform: scaleX(1);
}

.nav-cta {
  padding: 12px 18px;
  border-radius: var(--radius);
  color: var(--white);
  background: linear-gradient(135deg, var(--red), var(--gold), var(--blue));
  background-size: 190% 190%;
  box-shadow: 0 16px 34px rgba(217, 75, 61, 0.22);
  animation: gradientTravel 7s ease infinite;
}

.nav-cta:hover {
  color: var(--white) !important;
  transform: translateY(-4px) scale(1.03);
}

.theme-toggle {
  position: relative;
  display: inline-grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid rgba(15, 58, 102, 0.16);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.86);
  color: var(--blue);
  cursor: pointer;
  box-shadow: 0 12px 28px rgba(15, 32, 56, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, color 180ms ease;
}

.theme-toggle:hover {
  background: var(--white);
  box-shadow: 0 18px 38px rgba(15, 32, 56, 0.14);
  transform: translateY(-3px) scale(1.04);
}

.theme-toggle svg {
  position: absolute;
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
  transition: opacity 180ms ease, transform 180ms ease;
}

.moon-icon {
  opacity: 0;
  transform: scale(0.7) rotate(-18deg);
}

[data-theme="dark"] .sun-icon {
  opacity: 0;
  transform: scale(0.7) rotate(18deg);
}

[data-theme="dark"] .moon-icon {
  opacity: 1;
  transform: scale(1) rotate(0);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  padding: 10px;
}

.nav-toggle span {
  display: block;
  height: 2px;
  margin: 5px 0;
  background: var(--ink);
}

.hero {
  width: min(1180px, calc(100% - 32px));
  min-height: calc(100vh - 82px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(330px, 0.78fr);
  gap: 54px;
  align-items: center;
  padding: 70px 0 54px;
}

.home-hero {
  width: min(1180px, calc(100% - 32px));
  min-height: calc(100vh - 82px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(320px, 0.72fr);
  gap: 56px;
  align-items: center;
  padding: 86px 0 66px;
}

.home-hero-copy {
  animation: fadeSlideUp 820ms ease both;
}

.home-hero-copy h1 {
  max-width: 820px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  padding: 9px 13px;
  border: 1px solid rgba(34, 107, 191, 0.14);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.74);
  color: var(--blue);
  box-shadow: 0 14px 32px rgba(36, 49, 63, 0.07);
  font-size: 0.8rem;
  font-weight: 850;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.hero-badge span {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--red), var(--gold), var(--blue));
  box-shadow: 0 0 0 5px rgba(214, 154, 45, 0.14);
}

.home-hero-copy p:not(.eyebrow),
.home-intro p,
.home-panel p {
  color: var(--muted);
  font-size: clamp(1rem, 2vw, 1.15rem);
  line-height: 1.78;
}

.home-brand-card {
  position: relative;
  padding: clamp(24px, 4vw, 38px);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.86);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.92), rgba(232, 244, 251, 0.72)),
    var(--white);
  box-shadow: var(--shadow-strong);
  animation: softFloat 5.8s ease-in-out infinite;
}

.home-brand-card::after {
  content: "";
  position: absolute;
  top: -45%;
  right: -35%;
  width: 78%;
  height: 78%;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(34, 107, 191, 0.16), transparent 68%);
  pointer-events: none;
}

.home-brand-card::before {
  content: "";
  position: absolute;
  inset: 18px -18px -18px 18px;
  z-index: -1;
  border-radius: var(--radius);
  background: linear-gradient(135deg, rgba(217, 75, 61, 0.16), rgba(34, 107, 191, 0.16));
}

.home-brand-card img {
  width: min(240px, 70vw);
  position: relative;
  z-index: 1;
  margin: 0 auto 24px;
  border-radius: var(--radius);
  border: 1px solid rgba(214, 154, 45, 0.26);
}

.home-brand-card strong,
.home-brand-card span {
  display: block;
  text-align: center;
}

.home-brand-card strong {
  margin-bottom: 10px;
  font-size: clamp(1.35rem, 3vw, 2rem);
  line-height: 1.15;
}

.home-brand-card span {
  color: var(--muted);
  line-height: 1.7;
}

.brand-card-list {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 10px;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

.brand-card-list p {
  display: flex;
  gap: 10px;
  margin: 0;
  color: #435160;
  font-size: 0.95rem;
  font-weight: 700;
  line-height: 1.45;
}

.brand-card-list p span {
  flex: 0 0 auto;
  width: 9px;
  height: 9px;
  margin-top: 6px;
  border-radius: 50%;
  background: var(--green);
}

.hero-kpis {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 690px;
  margin-top: 26px;
}

.hero-kpis div {
  padding: 15px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.74);
  box-shadow: 0 16px 36px rgba(36, 49, 63, 0.08);
}

.hero-kpis strong,
.hero-kpis span {
  display: block;
}

.hero-kpis strong {
  margin-bottom: 4px;
  color: var(--ink);
  font-size: 1.12rem;
}

.hero-kpis span {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.35;
}

.home-intro {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(0, 1fr);
  gap: 42px;
  align-items: start;
  padding: 34px clamp(22px, 4vw, 34px) 38px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.58);
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.06);
}

.home-service-strip {
  width: min(1180px, calc(100% - 32px));
  margin: 34px auto 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.home-service-strip a {
  min-height: 210px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.88), rgba(255, 255, 255, 0.68)),
    var(--white);
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.home-service-strip a:hover {
  background: var(--white);
  box-shadow: 0 24px 58px rgba(36, 49, 63, 0.14);
  transform: translateY(-6px) scale(1.02);
}

.home-service-strip span,
.home-service-strip strong,
.home-service-strip small {
  display: block;
}

.home-service-strip span {
  width: fit-content;
  margin-bottom: 38px;
  padding: 7px 10px;
  border-radius: 999px;
  background: rgba(217, 75, 61, 0.08);
  color: var(--red);
  font-weight: 800;
}

.home-service-strip strong {
  margin-bottom: 10px;
  font-size: 1.2rem;
}

.home-service-strip small {
  color: var(--muted);
  font-size: 0.96rem;
  line-height: 1.65;
}

.home-panel {
  padding: clamp(24px, 4vw, 36px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.72);
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.08);
}

.home-panel .button {
  margin-top: 12px;
}

.map-button {
  margin-top: 10px;
}

.home-checklist {
  display: grid;
  gap: 14px;
}

.home-checklist div {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(90deg, rgba(34, 107, 191, 0.05), transparent 42%),
    rgba(255, 255, 255, 0.8);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.home-checklist div:hover {
  background: var(--white);
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.1);
  transform: translateY(-4px) scale(1.015);
}

.home-checklist strong,
.home-checklist span {
  display: block;
}

.home-checklist span {
  margin-top: 8px;
  color: var(--muted);
  line-height: 1.65;
}

.home-apply-band {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(300px, 1fr) auto;
  gap: 24px;
  align-items: center;
  padding: clamp(24px, 4vw, 38px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(34, 107, 191, 0.12), transparent 42%),
    linear-gradient(315deg, rgba(214, 154, 45, 0.2), rgba(255, 255, 255, 0.9));
  box-shadow: var(--shadow-strong);
}

.home-apply-band h2 {
  margin-bottom: 0;
  font-size: clamp(1.8rem, 3vw, 2.8rem);
}

.home-apply-steps {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.home-apply-steps span {
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.86);
  color: #435160;
  font-weight: 700;
  box-shadow: 0 12px 28px rgba(36, 49, 63, 0.06);
}

.home-connect {
  padding-top: 82px;
}

.reach-section {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto 82px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  padding: clamp(24px, 4vw, 38px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(60, 132, 105, 0.1), transparent 44%),
    linear-gradient(315deg, rgba(34, 107, 191, 0.12), rgba(255, 255, 255, 0.86));
  box-shadow: var(--shadow);
}

.reach-section h2 {
  margin-bottom: 10px;
  font-size: clamp(1.8rem, 3vw, 2.85rem);
}

.reach-section p:not(.eyebrow) {
  margin-bottom: 0;
  color: var(--muted);
  line-height: 1.75;
}

.hero-copy {
  animation: fadeSlideUp 820ms ease both;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 22px;
  font-size: clamp(2.35rem, 6vw, 5.15rem);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(2rem, 4vw, 3.35rem);
  line-height: 1.04;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.13rem;
}

.hero-text {
  max-width: 670px;
  color: var(--muted);
  font-size: clamp(1rem, 2vw, 1.18rem);
  line-height: 1.75;
}

.hero-actions,
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.hero-actions {
  margin: 30px 0 28px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 14px 20px;
  border: 0;
  border-radius: var(--radius);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
  box-shadow: 0 12px 26px rgba(36, 49, 63, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.button:hover {
  box-shadow: 0 20px 42px rgba(36, 49, 63, 0.14);
  transform: translateY(-4px) scale(1.03);
}

.button.primary {
  color: var(--white);
  background: linear-gradient(135deg, #cc4638, #d69a2d, #226bbf);
  background-size: 190% 190%;
  box-shadow: 0 18px 34px rgba(204, 70, 56, 0.22);
  animation: gradientTravel 6s ease infinite;
}

.button.secondary {
  color: var(--ink);
  background: rgba(255, 255, 255, 0.84);
  border: 1px solid var(--line);
}

.trust-strip span {
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.68);
  color: var(--muted);
}

.trust-strip strong {
  color: var(--ink);
}

.hero-panel {
  position: relative;
  animation: fadeSlideUp 900ms ease 120ms both;
}

.hero-panel::before {
  content: "";
  position: absolute;
  inset: 18px -18px -18px 18px;
  background: linear-gradient(135deg, rgba(34, 107, 191, 0.14), rgba(60, 132, 105, 0.16));
  border-radius: var(--radius);
}

.hero-card {
  position: relative;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid rgba(255, 255, 255, 0.78);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow);
  animation: softFloat 5.5s ease-in-out infinite;
}

.hero-card-top {
  display: flex;
  align-items: center;
  gap: 14px;
}

.hero-card-top img {
  width: 78px;
  height: 78px;
  border-radius: 50%;
  object-fit: cover;
  border: 1px solid var(--line);
}

.hero-card-top span,
.loan-metrics span {
  display: block;
  color: var(--muted);
  font-size: 0.85rem;
}

.hero-card-top strong {
  display: block;
  margin-top: 4px;
  font-size: 1.2rem;
}

.approval-ring {
  width: min(245px, 72vw);
  aspect-ratio: 1;
  margin: 34px auto;
  border-radius: 50%;
  display: grid;
  place-items: center;
  text-align: center;
  background:
    radial-gradient(circle at center, #fff 0 52%, transparent 53%),
    conic-gradient(from 18deg, var(--blue), var(--green), var(--gold), var(--red), var(--blue));
  box-shadow: inset 0 0 0 1px rgba(36, 49, 63, 0.05), 0 18px 45px rgba(34, 107, 191, 0.18);
  animation: ringGlow 4.5s ease-in-out infinite;
}

.approval-ring span,
.approval-ring small {
  display: block;
  color: var(--muted);
  font-weight: 700;
}

.approval-ring strong {
  display: block;
  margin: -18px 0;
  font-size: 2.35rem;
}

.loan-metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.loan-metrics div,
.mini-list {
  padding: 16px;
  border-radius: var(--radius);
  background: var(--soft-blue);
}

.loan-metrics strong {
  display: block;
  margin-top: 4px;
  font-size: 1.2rem;
}

.mini-list {
  margin-top: 12px;
  background: var(--soft-mint);
}

.mini-list p {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  color: #3d4b59;
  font-weight: 600;
}

.mini-list p:last-child {
  margin-bottom: 0;
}

.mini-list span {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--green);
}

.stats-band,
.section,
.cta-section,
.footer {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.stats-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.72);
  animation: fadeSlideUp 850ms ease 200ms both;
}

.stats-band div {
  padding: 18px;
  border-radius: var(--radius);
  background: var(--white);
}

.stats-band strong,
.stats-band span {
  display: block;
}

.stats-band strong {
  margin-bottom: 7px;
  font-size: 1.25rem;
}

.stats-band span {
  color: var(--muted);
  line-height: 1.55;
}

.section {
  padding: 96px 0;
}

.page-hero {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: 96px clamp(22px, 4vw, 34px) 42px;
  border-bottom: 1px solid var(--line);
  border-radius: 0 0 var(--radius) var(--radius);
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.42), transparent),
    linear-gradient(315deg, rgba(232, 244, 251, 0.55), rgba(255, 255, 255, 0.18));
  animation: fadeSlideUp 750ms ease both;
}

.page-hero h1 {
  max-width: 870px;
  margin-bottom: 18px;
  font-size: clamp(2.35rem, 5.4vw, 4.85rem);
}

.page-hero p:not(.eyebrow) {
  max-width: 760px;
  color: var(--muted);
  font-size: clamp(1rem, 2vw, 1.16rem);
  line-height: 1.75;
}

.page-content {
  padding-top: 38px;
}

.page-form {
  margin-top: 32px;
  margin-bottom: 80px;
}

.detail-grid,
.contact-layout {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.contact-layout {
  grid-template-columns: 1fr 1fr;
}

.detail-grid article {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.94), rgba(255, 255, 255, 0.74)),
    var(--white);
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.detail-grid article:hover {
  background: var(--white);
  box-shadow: 0 22px 52px rgba(36, 49, 63, 0.13);
  transform: translateY(-5px) scale(1.015);
}

.detail-grid article:nth-child(2),
.detail-grid article:nth-child(5) {
  animation-delay: 80ms;
}

.detail-grid article:nth-child(3),
.detail-grid article:nth-child(6) {
  animation-delay: 160ms;
}

.detail-grid p,
.contact-layout p {
  color: var(--muted);
  line-height: 1.7;
}

.mini-points {
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
}

.mini-points li {
  position: relative;
  padding: 9px 0 9px 22px;
  color: #435160;
  font-weight: 600;
  line-height: 1.45;
}

.mini-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 15px;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--gold);
}

.process-wide {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1fr);
  gap: 36px;
  align-items: start;
}

.process-wide p {
  color: var(--muted);
  line-height: 1.75;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 34px;
  animation: fadeSlideUp 650ms ease both;
}

.section-heading p:not(.eyebrow),
.split p,
.cta-section p {
  color: var(--muted);
  line-height: 1.75;
}

.loan-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.tab-button {
  min-height: 44px;
  padding: 11px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.72);
  color: var(--ink);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, color 180ms ease;
}

.tab-button:hover {
  box-shadow: 0 12px 28px rgba(36, 49, 63, 0.1);
  transform: translateY(-3px) scale(1.03);
}

.tab-button.active {
  color: var(--white);
  background: var(--blue);
  border-color: var(--blue);
}

.tab-panel {
  display: none;
  grid-template-columns: minmax(0, 1.2fr) minmax(260px, 0.8fr);
  gap: 26px;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 18px 45px rgba(36, 49, 63, 0.08);
}

.tab-panel.active {
  display: grid;
  animation: fadeSlideUp 360ms ease both;
}

.loan-icon {
  display: inline-grid;
  width: 52px;
  height: 52px;
  margin-bottom: 18px;
  place-items: center;
  border-radius: var(--radius);
  color: var(--white);
  background: linear-gradient(135deg, var(--blue), var(--green), var(--gold));
  box-shadow: 0 14px 28px rgba(34, 107, 191, 0.16);
  font-size: 1.4rem;
  font-weight: 800;
}

.tab-panel p {
  color: var(--muted);
  line-height: 1.75;
}

.tab-panel ul,
.check-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.tab-panel li,
.check-card li {
  padding: 13px 0 13px 28px;
  border-bottom: 1px solid var(--line);
  position: relative;
  color: #435160;
  font-weight: 600;
}

.tab-panel li::before,
.check-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 19px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
}

.split {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(0, 1fr);
  gap: 50px;
  align-items: center;
}

.visual-story {
  min-height: 470px;
  padding: 24px;
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(240, 237, 248, 0.8), transparent),
    linear-gradient(315deg, rgba(233, 246, 239, 0.95), rgba(232, 244, 251, 0.85));
  display: flex;
  align-items: center;
}

.document-stack {
  width: 100%;
  display: grid;
  gap: 16px;
}

.doc-card {
  padding: 20px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(255, 255, 255, 0.8);
  box-shadow: 0 18px 36px rgba(36, 49, 63, 0.08);
}

.doc-card.offset {
  transform: translateX(34px);
}

.doc-card span {
  display: block;
  width: 42px;
  height: 8px;
  margin-bottom: 16px;
  border-radius: 99px;
  background: linear-gradient(90deg, var(--red), var(--gold), var(--blue));
}

.doc-card p {
  margin-bottom: 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 28px;
}

.feature-grid div {
  padding: 20px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
  box-shadow: 0 14px 34px rgba(36, 49, 63, 0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.feature-grid div:hover,
.step:hover,
.check-card:hover,
details:hover {
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 16px 36px rgba(36, 49, 63, 0.1);
  transform: translateY(-4px) scale(1.015);
}

.feature-grid strong,
.feature-grid span {
  display: block;
}

.feature-grid span {
  margin-top: 8px;
  color: var(--muted);
  line-height: 1.55;
}

.muted {
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100vw - 1180px) / 2));
  padding-right: max(16px, calc((100vw - 1180px) / 2));
  background:
    linear-gradient(135deg, rgba(232, 244, 251, 0.5), transparent 44%),
    rgba(255, 255, 255, 0.52);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.step {
  padding: 22px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--line);
  box-shadow: 0 14px 34px rgba(36, 49, 63, 0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.step:nth-child(2),
.feature-grid div:nth-child(2) {
  animation-delay: 80ms;
}

.step:nth-child(3),
.feature-grid div:nth-child(3) {
  animation-delay: 160ms;
}

.step:nth-child(4),
.feature-grid div:nth-child(4) {
  animation-delay: 240ms;
}

.step span {
  display: inline-flex;
  margin-bottom: 34px;
  padding: 7px 10px;
  border-radius: 999px;
  background: rgba(217, 75, 61, 0.08);
  color: var(--red);
  font-weight: 800;
}

.step p {
  margin-bottom: 0;
  color: var(--muted);
  line-height: 1.65;
}

.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.check-card {
  padding: clamp(22px, 4vw, 32px);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--line);
  box-shadow: 0 16px 38px rgba(36, 49, 63, 0.07);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  animation: fadeSlideUp 650ms ease both;
}

.check-card.accent {
  background:
    linear-gradient(135deg, rgba(255, 240, 228, 0.95), rgba(255, 255, 255, 0.78)),
    var(--soft-peach);
}

.cta-section {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(320px, 1fr);
  gap: 36px;
  align-items: start;
  padding: clamp(28px, 5vw, 48px);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(34, 107, 191, 0.08), transparent 45%),
    linear-gradient(315deg, rgba(214, 154, 45, 0.16), rgba(255, 255, 255, 0.82));
  border: 1px solid var(--line);
  box-shadow: var(--shadow-strong);
}

.enquiry-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.enquiry-form label {
  display: grid;
  gap: 8px;
  color: #42505e;
  font-weight: 800;
}

.enquiry-form input,
.enquiry-form select,
.enquiry-form textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.86);
  color: var(--ink);
  font: inherit;
  padding: 12px 13px;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, background 180ms ease;
}

.enquiry-form input:hover,
.enquiry-form select:hover,
.enquiry-form textarea:hover,
.enquiry-form input:focus,
.enquiry-form select:focus,
.enquiry-form textarea:focus {
  border-color: rgba(34, 107, 191, 0.35);
  background: var(--white);
  box-shadow: 0 12px 28px rgba(34, 107, 191, 0.1);
  outline: none;
  transform: translateY(-2px) scale(1.01);
}

.enquiry-form textarea {
  min-height: 104px;
  resize: vertical;
}

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

.form-note {
  grid-column: 1 / -1;
  margin: 0;
  font-size: 0.88rem;
}

.faq-section {
  padding-bottom: 70px;
}

.gallery-section {
  padding-bottom: 40px;
}

.gallery-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  grid-auto-rows: 220px;
  gap: 14px;
}

.gallery-card {
  position: relative;
  min-height: 220px;
  margin: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(34, 107, 191, 0.72), rgba(60, 132, 105, 0.42)),
    linear-gradient(315deg, rgba(214, 154, 45, 0.58), rgba(255, 240, 228, 0.9));
  box-shadow: 0 18px 42px rgba(36, 49, 63, 0.08);
  transition: transform 220ms ease, box-shadow 220ms ease, filter 220ms ease;
  animation: fadeSlideUp 700ms ease both;
}

.gallery-card:hover {
  filter: saturate(1.05);
  box-shadow: 0 24px 58px rgba(36, 49, 63, 0.16);
  transform: translateY(-6px) scale(1.025);
}

.gallery-card:nth-child(2) {
  animation-delay: 80ms;
}

.gallery-card:nth-child(3) {
  animation-delay: 160ms;
}

.gallery-card:nth-child(4) {
  animation-delay: 240ms;
}

.gallery-card:nth-child(5) {
  animation-delay: 320ms;
}

.gallery-card.large {
  grid-row: span 2;
}

.gallery-card::before {
  content: "";
  position: absolute;
  inset: 18px;
  border: 1px solid rgba(255, 255, 255, 0.58);
  border-radius: var(--radius);
}

.gallery-card::after {
  content: "";
  position: absolute;
  top: -40%;
  left: -45%;
  width: 32%;
  height: 180%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.42), transparent);
  opacity: 0;
  pointer-events: none;
}

.gallery-card:hover::after {
  opacity: 1;
  animation: shineSweep 850ms ease;
}

.gallery-card span,
.gallery-card figcaption {
  position: absolute;
  left: 24px;
  right: 24px;
  color: var(--white);
}

.gallery-card span {
  top: 24px;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.gallery-card figcaption {
  bottom: 24px;
  margin: 0;
  font-size: clamp(1.1rem, 2vw, 1.45rem);
  font-weight: 800;
  line-height: 1.2;
}

.faq-list {
  display: grid;
  gap: 12px;
}

details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.76);
  padding: 18px 20px;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

summary {
  cursor: pointer;
  font-weight: 800;
}

details p {
  margin: 14px 0 0;
  color: var(--muted);
  line-height: 1.7;
}

.footer {
  display: grid;
  grid-template-columns: 1.4fr 0.7fr 0.7fr;
  gap: 28px;
  margin-bottom: 28px;
  padding: clamp(28px, 4vw, 42px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(34, 107, 191, 0.08), transparent 48%),
    rgba(255, 255, 255, 0.72);
  box-shadow: 0 18px 46px rgba(36, 49, 63, 0.08);
}

.footer img {
  width: 110px;
  height: 102px;
  object-fit: cover;
  border-radius: var(--radius);
  margin-bottom: 16px;
  border: 1px solid rgba(214, 154, 45, 0.28);
}

.footer p,
.footer span,
.footer a {
  color: var(--muted);
  line-height: 1.7;
}

.footer h3 {
  margin-bottom: 14px;
}

.footer a,
.footer span {
  display: block;
  margin-bottom: 10px;
}

.footer-map-link {
  width: fit-content;
  margin-top: 12px;
  padding: 11px 14px;
  border-radius: var(--radius);
  color: var(--white) !important;
  background: linear-gradient(135deg, var(--green), var(--blue));
  font-weight: 800;
  box-shadow: 0 14px 28px rgba(34, 107, 191, 0.14);
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.footer-map-link:hover {
  box-shadow: 0 18px 34px rgba(34, 107, 191, 0.2);
  transform: translateY(-3px) scale(1.02);
}

.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}

.social-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.78);
  color: var(--ink);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.social-links a:hover {
  background: var(--white);
  box-shadow: 0 14px 30px rgba(36, 49, 63, 0.12);
  transform: translateY(-4px) scale(1.05);
}

.social-links a[aria-label="Instagram"] {
  color: var(--white);
  border-color: transparent;
  background: linear-gradient(135deg, #feda75, #fa7e1e, #d62976, #962fbf, #4f5bd5);
  box-shadow: 0 14px 30px rgba(214, 41, 118, 0.2);
}

.social-links a[aria-label="Facebook"] {
  color: var(--white);
  border-color: transparent;
  background: #1877f2;
  box-shadow: 0 14px 30px rgba(24, 119, 242, 0.18);
}

.social-links a[aria-label="Instagram"]:hover,
.social-links a[aria-label="Facebook"]:hover {
  color: var(--white);
}

.social-links svg {
  width: 21px;
  height: 21px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.social-links a[aria-label="Facebook"] svg {
  fill: currentColor;
  stroke: none;
}

.contact-social a {
  width: auto;
  min-width: 140px;
  padding: 0 14px;
  gap: 9px;
  color: var(--ink);
  font-weight: 800;
}

.contact-social span {
  color: inherit;
  line-height: 1;
}

.disclaimer {
  grid-column: 1 / -1;
  margin: 10px 0 0;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: 0.9rem;
}

@media (max-width: 940px) {
  .nav-toggle {
    display: block;
  }

  .nav-links {
    position: fixed;
    top: 82px;
    left: 16px;
    right: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.96);
    box-shadow: var(--shadow);
  }

  body.menu-open .nav-links {
    display: flex;
  }

  .nav-links a {
    padding: 12px;
  }

  .nav-cta {
    text-align: center;
  }

  .hero,
  .home-hero,
  .home-intro,
  .split,
  .cta-section,
  .home-apply-band,
  .reach-section,
  .process-wide {
    grid-template-columns: 1fr;
  }

  .hero,
  .home-hero {
    min-height: auto;
    padding-top: 48px;
  }

  .stats-band,
  .home-service-strip,
  .process-grid,
  .eligibility-grid,
  .detail-grid,
  .contact-layout,
  .footer {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: 1fr 1fr;
  }

  .gallery-grid {
    grid-template-columns: 1fr 1fr;
  }

  .gallery-card.large {
    grid-row: span 1;
  }

  .home-apply-band {
    align-items: stretch;
  }
}

@media (max-width: 640px) {
  .nav {
    width: min(100% - 22px, 1180px);
    min-height: 74px;
  }

  .brand img {
    width: 50px;
    height: 50px;
  }

  .brand strong {
    max-width: 190px;
  }

  .nav-links {
    top: 74px;
  }

  .hero,
  .home-hero,
  .home-intro,
  .home-service-strip,
  .home-apply-band,
  .reach-section,
  .stats-band,
  .section,
  .cta-section,
  .page-hero,
  .footer {
    width: min(100% - 22px, 1180px);
  }

  .hero,
  .home-hero {
    padding: 38px 0 38px;
  }

  h1 {
    font-size: clamp(2.25rem, 12vw, 3.55rem);
  }

  h2 {
    font-size: clamp(1.75rem, 9vw, 2.55rem);
  }

  .hero-actions .button {
    width: 100%;
  }

  .trust-strip,
  .loan-metrics,
  .tab-panel,
  .feature-grid,
  .process-grid,
  .enquiry-form,
  .gallery-grid,
  .home-apply-steps {
    grid-template-columns: 1fr;
  }

  .home-intro {
    padding-bottom: 52px;
  }

  .home-service-strip a {
    min-height: auto;
  }

  .home-service-strip span {
    margin-bottom: 22px;
  }

  .tab-panel.active {
    display: grid;
  }

  .doc-card.offset {
    transform: none;
  }

  .visual-story {
    min-height: auto;
  }

  .section {
    padding: 68px 0;
  }

  .muted {
    width: 100%;
  }

  .footer {
    padding-bottom: 28px;
  }
}

/* Premium navy and white theme */
body {
  background:
    radial-gradient(circle at 8% 6%, rgba(15, 58, 102, 0.1), transparent 28%),
    radial-gradient(circle at 90% 12%, rgba(31, 93, 118, 0.08), transparent 26%),
    linear-gradient(180deg, #ffffff 0%, #f6f9fc 48%, #eef4f9 100%);
}

.site-header {
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 10px 34px rgba(15, 32, 56, 0.08);
}

.nav-links a:hover,
.nav-links a.active-link {
  color: var(--blue);
  background: rgba(15, 58, 102, 0.08);
}

.nav-links a::after {
  background: linear-gradient(90deg, #0f3a66, #2f6f95);
}

.nav-cta,
.button.primary {
  background: linear-gradient(135deg, #0f2038, #0f3a66, #1f5d76);
  background-size: 180% 180%;
  box-shadow: 0 18px 38px rgba(15, 58, 102, 0.24);
}

.button.secondary {
  color: var(--blue);
  background: #ffffff;
  border-color: rgba(15, 58, 102, 0.16);
}

.hero-badge {
  color: var(--blue);
  border-color: rgba(15, 58, 102, 0.15);
  background: rgba(255, 255, 255, 0.88);
}

.hero-badge span {
  background: linear-gradient(135deg, #0f3a66, #2f6f95);
  box-shadow: 0 0 0 5px rgba(15, 58, 102, 0.1);
}

.home-brand-card,
.home-intro,
.home-service-strip a,
.home-panel,
.home-checklist div,
.detail-grid article,
.check-card,
.step,
.feature-grid div,
.footer,
.cta-section,
.reach-section,
.home-apply-band {
  border-color: rgba(15, 58, 102, 0.12);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(248, 251, 253, 0.88)),
    #ffffff;
}

.home-brand-card::before,
.hero-panel::before {
  background: linear-gradient(135deg, rgba(15, 58, 102, 0.14), rgba(31, 93, 118, 0.1));
}

.home-brand-card::after {
  background: radial-gradient(circle, rgba(15, 58, 102, 0.13), transparent 68%);
}

.home-service-strip span,
.step span {
  color: var(--blue);
  background: rgba(15, 58, 102, 0.08);
}

.loan-icon {
  background: linear-gradient(135deg, #0f2038, #0f3a66, #2f6f95);
  box-shadow: 0 14px 28px rgba(15, 58, 102, 0.18);
}

.check-card.accent,
.muted {
  background:
    linear-gradient(135deg, rgba(238, 245, 251, 0.95), rgba(255, 255, 255, 0.86)),
    #ffffff;
}

.home-apply-steps span,
.enquiry-form input,
.enquiry-form select,
.enquiry-form textarea {
  background: #ffffff;
  border-color: rgba(15, 58, 102, 0.14);
}

.gallery-card {
  background:
    linear-gradient(135deg, rgba(15, 32, 56, 0.88), rgba(15, 58, 102, 0.72)),
    linear-gradient(315deg, rgba(31, 93, 118, 0.62), rgba(255, 255, 255, 0.18));
}

.footer-map-link {
  background: linear-gradient(135deg, #0f2038, #0f3a66);
}

[data-theme="dark"] {
  --ink: #f4f8fc;
  --muted: #b7c4d2;
  --paper: #071321;
  --soft-blue: #10263c;
  --soft-mint: #0f2b35;
  --soft-peach: #102236;
  --soft-lilac: #111f32;
  --gold: #d7af62;
  --red: #6da2cf;
  --blue: #8fc5f5;
  --green: #78c9d8;
  --white: #0d1d30;
  --line: rgba(203, 219, 235, 0.14);
  --shadow: 0 24px 70px rgba(0, 0, 0, 0.34);
  --shadow-strong: 0 34px 95px rgba(0, 0, 0, 0.48);
}

[data-theme="dark"] body {
  background:
    radial-gradient(circle at 8% 8%, rgba(50, 111, 158, 0.22), transparent 30%),
    radial-gradient(circle at 86% 12%, rgba(120, 201, 216, 0.12), transparent 28%),
    linear-gradient(180deg, #071321 0%, #0b1726 48%, #071321 100%);
}

[data-theme="dark"] .site-header {
  background: rgba(7, 19, 33, 0.9);
  border-bottom-color: rgba(203, 219, 235, 0.12);
  box-shadow: 0 12px 38px rgba(0, 0, 0, 0.38);
}

[data-theme="dark"] .brand small,
[data-theme="dark"] .nav-links,
[data-theme="dark"] .home-hero-copy p:not(.eyebrow),
[data-theme="dark"] .home-intro p,
[data-theme="dark"] .home-panel p,
[data-theme="dark"] .section-heading p:not(.eyebrow),
[data-theme="dark"] .split p,
[data-theme="dark"] .cta-section p,
[data-theme="dark"] .page-hero p:not(.eyebrow),
[data-theme="dark"] .detail-grid p,
[data-theme="dark"] .contact-layout p,
[data-theme="dark"] .footer p,
[data-theme="dark"] .footer span,
[data-theme="dark"] .footer a,
[data-theme="dark"] .home-checklist span,
[data-theme="dark"] .feature-grid span,
[data-theme="dark"] .step p,
[data-theme="dark"] .mini-points li,
[data-theme="dark"] .home-service-strip small,
[data-theme="dark"] .home-brand-card span,
[data-theme="dark"] .hero-kpis span,
[data-theme="dark"] .reach-section p:not(.eyebrow) {
  color: var(--muted);
}

[data-theme="dark"] .theme-toggle {
  color: #f7d783;
  border-color: rgba(143, 197, 245, 0.18);
  background: rgba(16, 38, 60, 0.92);
  box-shadow: 0 16px 34px rgba(0, 0, 0, 0.32);
}

[data-theme="dark"] .nav-links a:hover,
[data-theme="dark"] .nav-links a.active-link {
  color: #ffffff;
  background: rgba(143, 197, 245, 0.12);
}

[data-theme="dark"] .nav-cta,
[data-theme="dark"] .button.primary,
[data-theme="dark"] .footer-map-link {
  color: #071321 !important;
  background: linear-gradient(135deg, #d8efff, #8fc5f5, #78c9d8);
  box-shadow: 0 18px 38px rgba(120, 201, 216, 0.18);
}

[data-theme="dark"] .button.secondary {
  color: #f4f8fc;
  background: rgba(16, 38, 60, 0.92);
  border-color: rgba(143, 197, 245, 0.18);
}

[data-theme="dark"] .home-brand-card,
[data-theme="dark"] .home-intro,
[data-theme="dark"] .home-service-strip a,
[data-theme="dark"] .home-panel,
[data-theme="dark"] .home-checklist div,
[data-theme="dark"] .detail-grid article,
[data-theme="dark"] .check-card,
[data-theme="dark"] .step,
[data-theme="dark"] .feature-grid div,
[data-theme="dark"] .footer,
[data-theme="dark"] .cta-section,
[data-theme="dark"] .reach-section,
[data-theme="dark"] .home-apply-band,
[data-theme="dark"] .hero-kpis div,
[data-theme="dark"] details {
  border-color: rgba(203, 219, 235, 0.13);
  background:
    linear-gradient(180deg, rgba(16, 38, 60, 0.95), rgba(9, 26, 44, 0.92)),
    #0d1d30;
  box-shadow: 0 24px 70px rgba(0, 0, 0, 0.28);
}

[data-theme="dark"] .home-brand-card::before,
[data-theme="dark"] .hero-panel::before {
  background: linear-gradient(135deg, rgba(143, 197, 245, 0.16), rgba(120, 201, 216, 0.1));
}

[data-theme="dark"] .home-brand-card::after {
  background: radial-gradient(circle, rgba(143, 197, 245, 0.16), transparent 68%);
}

[data-theme="dark"] .hero-badge,
[data-theme="dark"] .home-service-strip span,
[data-theme="dark"] .step span,
[data-theme="dark"] .home-apply-steps span,
[data-theme="dark"] .trust-strip span,
[data-theme="dark"] .loan-metrics div,
[data-theme="dark"] .mini-list {
  color: #d8efff;
  border-color: rgba(143, 197, 245, 0.14);
  background: rgba(143, 197, 245, 0.08);
}

[data-theme="dark"] .hero-badge span,
[data-theme="dark"] .brand-card-list p span,
[data-theme="dark"] .mini-list span,
[data-theme="dark"] .mini-points li::before,
[data-theme="dark"] .check-card li::before {
  background: #78c9d8;
}

[data-theme="dark"] .loan-icon {
  color: #071321;
  background: linear-gradient(135deg, #d8efff, #8fc5f5, #78c9d8);
}

[data-theme="dark"] .page-hero,
[data-theme="dark"] .muted,
[data-theme="dark"] .check-card.accent {
  border-color: rgba(203, 219, 235, 0.13);
  background:
    linear-gradient(135deg, rgba(143, 197, 245, 0.1), transparent 48%),
    rgba(9, 26, 44, 0.64);
}

[data-theme="dark"] .enquiry-form input,
[data-theme="dark"] .enquiry-form select,
[data-theme="dark"] .enquiry-form textarea {
  color: #f4f8fc;
  background: rgba(7, 19, 33, 0.78);
  border-color: rgba(143, 197, 245, 0.18);
}

[data-theme="dark"] .enquiry-form input::placeholder,
[data-theme="dark"] .enquiry-form textarea::placeholder {
  color: rgba(183, 196, 210, 0.72);
}

[data-theme="dark"] .gallery-card {
  background:
    linear-gradient(135deg, rgba(7, 19, 33, 0.94), rgba(15, 58, 102, 0.78)),
    linear-gradient(315deg, rgba(120, 201, 216, 0.24), rgba(16, 38, 60, 0.86));
}

[data-theme="dark"] .social-links a {
  border-color: transparent;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}