/* ==========================================================================
   Xcash Money Solutions — site-wide stylesheet
   Brand: orange #f15a24 (primary) + green #3ea542 (accent)
   Design direction: Wealthsimple-clean layout, Money Mart / iCash energy
   ========================================================================== */

:root {
  /* brand */
  --orange:        #f15a24;
  --orange-dark:   #d84a12;
  --orange-deep:   #a83a0e;
  --orange-soft:   #fdeadf;
  --orange-mist:   #fdf5ef;
  --green:         #3ea542;
  --green-dark:    #2e8c33;
  --green-deep:    #11421e;   /* dark sections */
  --green-ink:     #0b2e15;
  --green-soft:    #e4f4e4;
  --green-mist:    #f2faf2;

  /* neutrals (warm, Wealthsimple-ish) */
  --ink:        #1c2420;
  --ink-soft:   #46534c;
  --ink-faint:  #6d7a73;
  --line:       #e6e3dc;
  --line-soft:  #efece5;
  --bg:         #fdfbf7;
  --white:      #ffffff;
  --cream:      #f7f3ea;

  /* type */
  --font-head: "Plus Jakarta Sans", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, sans-serif;

  /* shape + depth */
  --radius:    16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --shadow-sm: 0 1px 2px rgba(28, 36, 32, 0.06);
  --shadow-md: 0 6px 24px rgba(28, 36, 32, 0.08);
  --shadow-lg: 0 18px 50px rgba(28, 36, 32, 0.16);
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
input, select, textarea { font-family: inherit; }
h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 800; line-height: 1.15; letter-spacing: -0.015em; }

.wrap { width: min(1180px, 100% - 48px); margin-inline: auto; }
@media (max-width: 640px) { .wrap { width: calc(100% - 40px); } }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-head); font-weight: 700; font-size: 16px;
  padding: 14px 28px; border-radius: 999px; border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--orange); color: #fff; box-shadow: 0 6px 18px rgba(241, 90, 36, 0.35); }
.btn-primary:hover { background: var(--orange-dark); box-shadow: 0 8px 22px rgba(241, 90, 36, 0.42); }
.btn-green { background: var(--green-deep); color: #fff; }
.btn-green:hover { background: var(--green-ink); }
.btn-outline { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn-outline:hover { background: var(--ink); color: var(--bg); }
.btn-outline-light { border-color: rgba(255,255,255,0.65); color: #fff; background: transparent; }
.btn-outline-light:hover { background: #fff; color: var(--green-deep); }
.btn-ghost { background: transparent; color: var(--ink-soft); }
.btn-ghost:hover { color: var(--ink); background: var(--line-soft); }
.btn-lg { font-size: 17.5px; padding: 17px 36px; }
.btn-sm { font-size: 14px; padding: 10px 20px; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.55; pointer-events: none; }

/* ---------- header ---------- */
.topbar {
  background: var(--green-deep); color: #d6ecdd; font-size: 13.5px;
  padding: 7px 0; text-align: center;
}
.topbar strong { color: #fff; }
.topbar a { color: #8fe0a8; font-weight: 600; }
.topbar a:hover { text-decoration: underline; }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(253, 251, 247, 0.92); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line-soft);
}
.nav-row { display: flex; align-items: center; gap: 18px; height: 76px; }
.brand { display: flex; align-items: center; gap: 11px; flex-shrink: 0; }
.brand img { height: 54px; width: auto; max-width: none; }
.brand .brand-name { font-family: var(--font-head); font-weight: 800; font-size: 23px; letter-spacing: -0.02em; }
.brand .brand-name em { font-style: normal; color: var(--orange); }
.brand .brand-sub { display: block; font-size: 10.5px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--green-dark); line-height: 1; }

.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav-links > li { position: relative; }
.nav-links > li > a, .nav-links > li > button {
  display: inline-flex; align-items: center; gap: 6px; white-space: nowrap;
  font-weight: 600; font-size: 15px; color: var(--ink-soft);
  padding: 9px 11px; border-radius: 10px; background: none; border: none;
}
.nav-links > li > a:hover, .nav-links > li > button:hover { color: var(--ink); background: var(--line-soft); }
.nav-links .caret { transition: transform 0.2s; }
.nav-links li.open .caret { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 10px); left: 0; min-width: 320px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 10px; display: none; z-index: 110;
}
li.open > .dropdown { display: block; }
.dropdown a {
  display: flex; gap: 13px; align-items: flex-start;
  padding: 12px 14px; border-radius: 14px;
}
.dropdown a:hover { background: var(--orange-mist); }
.dropdown .dd-ic {
  flex: 0 0 40px; width: 40px; height: 40px; border-radius: 12px;
  display: grid; place-items: center; background: var(--orange-soft); color: var(--orange-dark);
}
.dropdown a:nth-child(even) .dd-ic { background: var(--green-soft); color: var(--green-dark); }
.dropdown .dd-t { display: block; font-weight: 700; font-size: 15px; font-family: var(--font-head); margin-bottom: 3px; }
.dropdown .dd-d { display: block; font-size: 13px; color: var(--ink-faint); line-height: 1.4; }

.nav-cta { display: flex; align-items: center; gap: 9px; margin-left: auto; }
.nav-phone { display: flex; align-items: center; gap: 8px; font-weight: 700; font-size: 15px; color: var(--green-dark); white-space: nowrap; }

.nav-burger {
  display: none; background: none; border: none; width: 44px; height: 44px;
  border-radius: 12px; place-items: center; color: var(--orange);
}
.nav-burger:hover { background: var(--line-soft); }
.nav-burger svg { width: 26px; height: 26px; }

@media (max-width: 1080px) {
  .nav-links, .nav-phone { display: none; }
  .nav-burger { display: grid; }
  /* Solid header on mobile: backdrop-filter would trap the fixed menu inside
     the header box, so the drop-down opened as a tiny sliver. Removing it lets
     the menu fill the screen. Also hide the header CTA so the logo isn't squeezed. */
  .site-header { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--bg); }
  .nav-cta .btn { display: none; }
  .mobile-menu {
    display: none; position: fixed; inset: 76px 0 0 0; background: var(--bg);
    z-index: 99; overflow-y: auto; overscroll-behavior: contain; padding: 20px 24px 40px;
  }
  .mobile-menu.open { display: block; }
  .mobile-menu a {
    display: block; padding: 16px 8px; font-family: var(--font-head);
    font-weight: 700; font-size: 19px; border-bottom: 1px solid var(--line-soft);
  }
  .mobile-menu .mm-group { font-size: 12px; text-transform: uppercase; letter-spacing: 0.12em; color: var(--ink-faint); font-weight: 700; margin: 22px 8px 4px; }
  .mobile-menu .btn { margin-top: 22px; }
}
@media (min-width: 1081px) { .mobile-menu { display: none !important; } }

/* ---------- hero ---------- */
.hero { padding: 72px 0 84px; overflow: hidden; position: relative; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(38px, 5vw, 60px); margin: 18px 0 20px; }
.hero h1 .hl { color: var(--orange); position: relative; white-space: nowrap; }
.hero h1 .hl svg { position: absolute; left: 0; right: 0; bottom: -10px; width: 100%; height: 12px; }
.hero p.lede { font-size: 19px; color: var(--ink-soft); max-width: 54ch; margin-bottom: 30px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 34px; }
.hero-proof { display: flex; align-items: center; gap: 14px; font-size: 14.5px; color: var(--ink-soft); flex-wrap: wrap; }
.hero-proof .stars { color: #f5a623; letter-spacing: 2px; font-size: 16px; }
.hero-proof strong { color: var(--ink); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-weight: 700; font-size: 13.5px;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--green-dark); background: var(--green-soft);
  padding: 7px 16px; border-radius: 999px;
}
.eyebrow.orange { color: var(--orange-deep); background: var(--orange-soft); }
.eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: currentColor; }

@media (max-width: 980px) {
  .hero { padding: 44px 0 60px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
}

/* ---------- calculator card ---------- */
.calc-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg);
  padding: 30px 30px 26px; position: relative;
}
.calc-card::before {
  content: ""; position: absolute; inset: -14px -14px auto auto; width: 90px; height: 90px;
  background: radial-gradient(circle at 30% 30%, var(--orange-soft), transparent 70%);
  z-index: -1; border-radius: 50%;
}
.calc-tabs { display: flex; gap: 6px; background: var(--cream); border-radius: 999px; padding: 5px; margin-bottom: 24px; }
.calc-tabs button {
  flex: 1; border: none; background: transparent; border-radius: 999px;
  font-family: var(--font-head); font-weight: 700; font-size: 14.5px;
  padding: 10px 6px; color: var(--ink-faint); transition: all 0.15s;
}
.calc-tabs button.active { background: var(--white); color: var(--ink); box-shadow: var(--shadow-sm); }
.calc-amount { text-align: center; margin-bottom: 6px; }
.calc-amount .val { font-family: var(--font-head); font-weight: 800; font-size: 46px; letter-spacing: -0.02em; }
.calc-amount .lbl { font-size: 13.5px; color: var(--ink-faint); font-weight: 600; text-transform: uppercase; letter-spacing: 0.07em; }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 99px;
  background: linear-gradient(to right, var(--orange) 0%, var(--orange) var(--fill, 50%), var(--line) var(--fill, 50%));
  outline: none; margin: 18px 0 6px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--orange);
  box-shadow: var(--shadow-md); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--orange);
  box-shadow: var(--shadow-md); cursor: grab;
}
.range-ends { display: flex; justify-content: space-between; font-size: 13px; color: var(--ink-faint); font-weight: 600; margin-bottom: 18px; }

.calc-rows { border-top: 1px dashed var(--line); padding-top: 16px; margin-bottom: 20px; }
.calc-row { display: flex; justify-content: space-between; align-items: baseline; padding: 5px 0; font-size: 15px; color: var(--ink-soft); }
.calc-row strong { font-family: var(--font-head); font-size: 17px; color: var(--ink); }
.calc-row.total strong { font-size: 22px; color: var(--green-dark); }
.calc-note { font-size: 12px; color: var(--ink-faint); line-height: 1.5; margin-top: 14px; }
.calc-field { margin: 4px 0 12px; }
.calc-field label { font-size: 13px; font-weight: 700; color: var(--ink-soft); display: block; margin-bottom: 6px; }
.calc-field select {
  width: 100%; padding: 12px 14px; font-size: 15px; border: 1.5px solid var(--line);
  border-radius: 12px; background: var(--white);
}

/* ---------- sections ---------- */
.section { padding: 84px 0; }
.section.tint { background: var(--white); border-block: 1px solid var(--line-soft); }
.section.cream { background: var(--cream); }
.section-head { max-width: 760px; margin-bottom: 48px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2 { font-size: clamp(30px, 3.6vw, 42px); margin: 16px 0 14px; }
.section-head p { font-size: 17.5px; color: var(--ink-soft); }
@media (max-width: 640px) { .section { padding: 60px 0; } }

/* ---------- product cards ---------- */
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
/* Homepage variant only: five product cards laid out 3-over-2 with the last
   row centered. Plain .product-grid stays 3-col (correct for the 6-card
   "Whatever the reason" use-cases grid). */
.product-grid--five { grid-template-columns: repeat(6, 1fr); }
.product-grid--five .product-card { grid-column: span 2; }
.product-grid--five .product-card:nth-child(4) { grid-column: 2 / span 2; }
.product-grid--five .product-card:nth-child(5) { grid-column: 4 / span 2; }
@media (max-width: 980px) {
  .product-grid, .product-grid--five { grid-template-columns: 1fr 1fr; }
  .product-grid--five .product-card,
  .product-grid--five .product-card:nth-child(4),
  .product-grid--five .product-card:nth-child(5) { grid-column: auto; }
}
@media (max-width: 640px) { .product-grid, .product-grid--five { grid-template-columns: 1fr; } }

.product-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px; display: flex; flex-direction: column; gap: 14px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  position: relative;
}
.product-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--orange); }
.product-card .pc-ic {
  width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center;
  background: var(--orange-soft); color: var(--orange-dark);
}
.product-card.green .pc-ic { background: var(--green-soft); color: var(--green-dark); }
.product-card h3 { font-size: 21px; }
.product-card .pc-amount { font-family: var(--font-head); font-weight: 800; font-size: 15px; color: var(--green-dark); }
.product-card p { font-size: 15px; color: var(--ink-soft); flex-grow: 1; }
.product-card .pc-link { font-family: var(--font-head); font-weight: 700; font-size: 15px; color: var(--orange-dark); display: inline-flex; align-items: center; gap: 7px; }
.product-card .pc-link .arr { transition: transform 0.2s; }
.product-card:hover .pc-link .arr { transform: translateX(4px); }
.pc-tag {
  position: absolute; top: 20px; right: 20px; font-size: 11.5px; font-weight: 700;
  font-family: var(--font-head); letter-spacing: 0.05em; text-transform: uppercase;
  background: var(--green); color: #fff; padding: 4px 12px; border-radius: 999px;
}

/* ---------- steps ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
@media (max-width: 860px) { .steps-grid { grid-template-columns: 1fr; } }
.step-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 34px 30px; position: relative;
}
.step-card .num {
  font-family: var(--font-head); font-weight: 800; font-size: 15px;
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: var(--green-deep); color: #fff; margin-bottom: 18px;
}
.step-card h3 { font-size: 20px; margin-bottom: 10px; }
.step-card p { font-size: 15px; color: var(--ink-soft); }

/* ---------- feature split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
/* Let columns shrink below their content's intrinsic width so wide children
   (e.g. the min-width:520px info tables) scroll in their own wrapper instead
   of forcing the whole page to scroll sideways on mobile. */
.split > * { min-width: 0; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 36px; } }
.split h2 { font-size: clamp(28px, 3.4vw, 40px); margin: 16px 0 16px; }
.split p { color: var(--ink-soft); font-size: 16.5px; margin-bottom: 14px; }
.check-list { list-style: none; margin: 22px 0 30px; display: grid; gap: 14px; }
.check-list li { display: flex; gap: 13px; align-items: flex-start; font-size: 16px; }
.check-list .ck {
  flex: 0 0 26px; width: 26px; height: 26px; border-radius: 50%; margin-top: 1px;
  background: var(--green-soft); color: var(--green-dark); display: grid; place-items: center;
}
.check-list strong { font-family: var(--font-head); }

/* ---------- dark band ---------- */
.dark-band { background: var(--green-deep); color: #eaf6ee; border-radius: var(--radius-xl); padding: 64px; position: relative; overflow: hidden; }
.dark-band::after {
  content: ""; position: absolute; right: -120px; top: -120px; width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(241,90,36,0.35), transparent 65%); border-radius: 50%;
}
.dark-band h2 { color: #fff; font-size: clamp(28px, 3.4vw, 40px); margin-bottom: 14px; }
.dark-band p { color: #bcdcc6; max-width: 60ch; font-size: 17px; }
.dark-band .stat-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; margin-top: 44px; position: relative; z-index: 1; }
.dark-band .stat .n { font-family: var(--font-head); font-weight: 800; font-size: clamp(30px, 3.6vw, 44px); color: var(--orange); }
.dark-band .stat .l { font-size: 14px; color: #bcdcc6; font-weight: 600; }
@media (max-width: 860px) {
  .dark-band { padding: 44px 28px; }
  .dark-band .stat-strip { grid-template-columns: 1fr 1fr; gap: 22px; }
}

/* ---------- testimonials ---------- */
.quote-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 900px) { .quote-grid { grid-template-columns: 1fr; } }
.quote-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; }
.quote-card .stars { color: #f5a623; letter-spacing: 3px; margin-bottom: 14px; }
.quote-card blockquote { font-size: 15.5px; color: var(--ink-soft); margin-bottom: 18px; }
.quote-card .who { display: flex; align-items: center; gap: 12px; }
.quote-card .avatar {
  width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 800; color: #fff; background: var(--green-dark); font-size: 15px;
}
.quote-card .who .nm { font-weight: 700; font-family: var(--font-head); font-size: 15px; }
.quote-card .who .mt { font-size: 13px; color: var(--ink-faint); }

/* ---------- accordion ---------- */
.accordion { display: grid; gap: 12px; max-width: 820px; margin-inline: auto; }
.acc-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.acc-item summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  gap: 18px; padding: 20px 24px; font-family: var(--font-head); font-weight: 700; font-size: 16.5px;
}
.acc-item summary::-webkit-details-marker { display: none; }
.acc-item summary .pm {
  flex: 0 0 30px; width: 30px; height: 30px; border-radius: 50%;
  display: grid; place-items: center; background: var(--orange-soft); color: var(--orange-dark);
  font-weight: 800; transition: transform 0.2s;
}
.acc-item[open] summary .pm { transform: rotate(45deg); background: var(--green-soft); color: var(--green-dark); }
.acc-item .acc-body { padding: 0 24px 22px; color: var(--ink-soft); font-size: 15.5px; }
.acc-item .acc-body a { color: var(--orange-dark); font-weight: 600; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--orange) 0%, #f4763a 60%, #f78f5b 100%);
  color: #fff; border-radius: var(--radius-xl); padding: 60px; text-align: center;
  position: relative; overflow: hidden;
}
.cta-banner::before, .cta-banner::after {
  content: ""; position: absolute; border-radius: 50%; background: rgba(255,255,255,0.12);
}
.cta-banner::before { width: 260px; height: 260px; left: -80px; bottom: -120px; }
.cta-banner::after { width: 200px; height: 200px; right: -60px; top: -80px; }
.cta-banner h2 { font-size: clamp(28px, 3.6vw, 42px); margin-bottom: 12px; position: relative; z-index: 1; }
.cta-banner p { font-size: 17.5px; opacity: 0.94; max-width: 56ch; margin: 0 auto 30px; position: relative; z-index: 1; }
.cta-banner .btn { position: relative; z-index: 1; }
.cta-banner .btn-white { background: #fff; color: var(--orange-deep); }
.cta-banner .btn-white:hover { background: var(--orange-mist); }
@media (max-width: 640px) { .cta-banner { padding: 44px 24px; } }

/* ---------- page hero (inner pages) ---------- */
.page-hero { padding: 64px 0 56px; background: linear-gradient(180deg, var(--orange-mist), var(--bg)); border-bottom: 1px solid var(--line-soft); }
.page-hero .ph-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.page-hero h1 { font-size: clamp(34px, 4.4vw, 52px); margin: 18px 0 16px; }
.page-hero p.lede { font-size: 18px; color: var(--ink-soft); max-width: 56ch; margin-bottom: 28px; }
.page-hero.green { background: linear-gradient(180deg, var(--green-mist), var(--bg)); }
@media (max-width: 940px) { .page-hero .ph-grid { grid-template-columns: 1fr; gap: 36px; } }

.fact-strip { display: flex; gap: 14px; flex-wrap: wrap; }
.fact-chip {
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 12px 18px; font-size: 14px; box-shadow: var(--shadow-sm);
}
.fact-chip strong { display: block; font-family: var(--font-head); font-size: 17px; color: var(--green-dark); }

/* ---------- rate / info tables ---------- */
.info-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow-sm); }
table.info { width: 100%; border-collapse: collapse; min-width: 520px; }
table.info th, table.info td { padding: 15px 20px; text-align: left; font-size: 15px; border-bottom: 1px solid var(--line-soft); }
table.info thead th { background: var(--green-deep); color: #fff; font-family: var(--font-head); font-size: 13.5px; letter-spacing: 0.04em; text-transform: uppercase; }
table.info tbody tr:last-child td { border-bottom: none; }
table.info td strong { font-family: var(--font-head); }

/* ---------- forms (application engine) ---------- */
.apply-shell { display: grid; grid-template-columns: 300px 1fr; gap: 40px; align-items: start; padding: 48px 0 90px; }
@media (max-width: 940px) { .apply-shell { grid-template-columns: 1fr; gap: 24px; } }

.apply-side { position: sticky; top: 104px; }
/* On mobile the sidebar stacks above the form — don't pin it, or it hovers over the fields. */
@media (max-width: 940px) { .apply-side { position: static; top: auto; } }
.apply-side .as-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 26px; box-shadow: var(--shadow-sm);
}
.apply-side h2 { font-size: 19px; margin-bottom: 4px; }
.apply-side .as-product { font-size: 13.5px; color: var(--ink-faint); margin-bottom: 20px; }
.apply-steps { list-style: none; display: grid; gap: 4px; }
.apply-steps li {
  display: flex; align-items: center; gap: 12px; padding: 9px 10px;
  border-radius: 12px; font-size: 14.5px; font-weight: 600; color: var(--ink-faint);
}
.apply-steps li .sn {
  flex: 0 0 28px; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 800; font-size: 12.5px;
  background: var(--line-soft); color: var(--ink-faint);
}
.apply-steps li.active { color: var(--ink); background: var(--orange-mist); }
.apply-steps li.active .sn { background: var(--orange); color: #fff; }
.apply-steps li.done { color: var(--green-dark); }
.apply-steps li.done .sn { background: var(--green); color: #fff; }
.as-help { margin-top: 18px; font-size: 13.5px; color: var(--ink-faint); line-height: 1.55; }
.as-help a { color: var(--green-dark); font-weight: 700; }

.apply-main {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md); padding: 40px;
}
@media (max-width: 640px) { .apply-main { padding: 26px 20px; } }
.progress-track { height: 8px; border-radius: 99px; background: var(--line-soft); overflow: hidden; margin-bottom: 30px; }
.progress-fill { height: 100%; border-radius: 99px; background: linear-gradient(90deg, var(--orange), var(--green)); transition: width 0.35s ease; }

.form-step h2 { font-size: 26px; margin-bottom: 6px; }
.form-step .fs-sub { color: var(--ink-faint); font-size: 15px; margin-bottom: 28px; }
.f-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.f-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .f-grid { grid-template-columns: 1fr; } }

.f-field label { display: block; font-size: 13.5px; font-weight: 700; color: var(--ink-soft); margin-bottom: 7px; }
.f-field label .req { color: var(--orange-dark); }
.f-field input, .f-field select, .f-field textarea {
  width: 100%; font-size: 16px; padding: 13px 16px;
  border: 1.5px solid var(--line); border-radius: 13px; background: var(--bg);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.f-field textarea { min-height: 92px; resize: vertical; }
.f-field input:focus, .f-field select:focus, .f-field textarea:focus {
  outline: none; border-color: var(--orange); background: var(--white);
  box-shadow: 0 0 0 4px rgba(241, 90, 36, 0.14);
}
.f-field.invalid input, .f-field.invalid select { border-color: #d64541; box-shadow: 0 0 0 4px rgba(214, 69, 65, 0.10); }
.f-field .f-err { display: none; color: #c0392b; font-size: 12.5px; font-weight: 600; margin-top: 5px; }
.f-field.invalid .f-err { display: block; }
.f-hint { font-size: 12.5px; color: var(--ink-faint); margin-top: 5px; }

.pill-group { display: flex; flex-wrap: wrap; gap: 10px; }
.pill-group input { position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0; pointer-events: none; }
.pill-group label {
  display: inline-flex; padding: 11px 20px; border: 1.5px solid var(--line); border-radius: 999px;
  font-size: 14.5px; font-weight: 600; color: var(--ink-soft); cursor: pointer; margin: 0;
  transition: all 0.15s; background: var(--white);
}
.pill-group input:checked + label { background: var(--green-deep); border-color: var(--green-deep); color: #fff; }
.pill-group label:hover { border-color: var(--green-dark); }

.consent-box {
  background: var(--green-mist); border: 1px solid #cdebd7; border-radius: var(--radius);
  padding: 18px 20px; display: flex; gap: 14px; align-items: flex-start; margin-bottom: 14px;
}
.consent-box input[type="checkbox"] { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--green-dark); flex-shrink: 0; }
.consent-box span { font-size: 14px; color: var(--ink-soft); line-height: 1.55; }
.consent-box a { color: var(--green-dark); font-weight: 700; text-decoration: underline; }

.form-nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 34px; padding-top: 24px; border-top: 1px solid var(--line-soft); }

.review-block { background: var(--cream); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 14px; }
.review-block h4 { font-size: 14px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--green-dark); margin-bottom: 10px; }
.review-block .rv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 20px; }
.review-block .rv-item .k { font-size: 12px; color: var(--ink-faint); }
.review-block .rv-item .v { font-size: 14.5px; font-weight: 600; overflow-wrap: anywhere; }
@media (max-width: 640px) { .review-block .rv-grid { grid-template-columns: 1fr; } }

.success-panel { text-align: center; padding: 40px 10px; }
.success-panel .big-check {
  width: 88px; height: 88px; border-radius: 50%; background: var(--green-soft);
  color: var(--green-dark); display: grid; place-items: center; margin: 0 auto 26px;
}
.success-panel h2 { font-size: 30px; margin-bottom: 12px; }
.success-panel p { color: var(--ink-soft); max-width: 46ch; margin: 0 auto 10px; }
.success-panel .ref-chip {
  display: inline-block; margin: 16px 0 26px; background: var(--cream);
  font-family: var(--font-head); font-weight: 800; font-size: 18px;
  padding: 12px 26px; border-radius: 14px; letter-spacing: 0.04em;
}

/* ---------- fine print / legal ---------- */
.fine-print { font-size: 13px; color: var(--ink-faint); line-height: 1.65; }
.fine-print a { text-decoration: underline; }
.legal-page h1 { font-size: clamp(30px, 4vw, 44px); margin: 20px 0 10px; }
.legal-page h2 { font-size: 22px; margin: 34px 0 12px; }
.legal-page p, .legal-page li { color: var(--ink-soft); font-size: 15.5px; margin-bottom: 12px; }
.legal-page ul { padding-left: 22px; }
.legal-page .updated { color: var(--ink-faint); font-size: 14px; }

/* ---------- footer ---------- */
.site-footer { background: var(--green-ink); color: #b9d4c2; margin-top: 90px; }
.footer-cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 44px; padding: 64px 0 44px; }
@media (max-width: 900px) { .footer-cols { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-cols { grid-template-columns: 1fr; } }
.site-footer .f-brand { display: flex; align-items: center; gap: 11px; margin-bottom: 16px; }
.site-footer .f-brand img { width: 40px; height: 40px; }
.site-footer .f-brand img.f-logo { width: auto; height: 46px; }
.site-footer .f-brand span { font-family: var(--font-head); font-weight: 800; font-size: 21px; color: #fff; }
.site-footer .f-brand em { font-style: normal; color: var(--orange); }
.site-footer p { font-size: 14px; line-height: 1.65; }
.site-footer h4 { color: #fff; font-size: 14px; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; display: grid; gap: 10px; }
.site-footer ul a { font-size: 14.5px; }
.site-footer ul a:hover { color: #fff; text-decoration: underline; }
.f-contact li { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; }
.f-contact svg { flex-shrink: 0; margin-top: 3px; color: var(--orange); }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.12); padding: 26px 0 34px; font-size: 12.5px; color: #8aa895; line-height: 1.7; }
.footer-legal p { font-size: 12.5px; margin-bottom: 8px; }
.footer-legal strong { color: #b9d4c2; }
.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center;
  background: rgba(255,255,255,0.08); color: #d6ecdd; transition: background 0.15s;
}
.footer-social a:hover { background: var(--orange); color: #fff; }

/* ---------- reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.55s ease, transform 0.55s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Google reviews rotator ---------- */
.quote-grid { transition: opacity 0.25s ease; }
.quote-grid.fading { opacity: 0; }
.rev-card { cursor: pointer; }
.rev-card blockquote {
  display: -webkit-box;
  -webkit-line-clamp: 8;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.rev-card.expanded blockquote { -webkit-line-clamp: unset; }
.reviews-nav { display: flex; align-items: center; justify-content: center; gap: 18px; margin-top: 30px; }
.rev-arrow {
  width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--line);
  background: var(--white); font-size: 18px; color: var(--ink-soft);
  transition: all 0.15s;
}
.rev-arrow:hover { border-color: var(--orange); color: var(--orange-dark); transform: translateY(-1px); }
.rev-dots { display: flex; gap: 8px; }
.rev-dots button {
  width: 10px; height: 10px; border-radius: 50%; border: none;
  background: var(--line); transition: all 0.15s; padding: 0;
}
.rev-dots button.on { background: var(--orange); transform: scale(1.25); }

/* ---------- bank verification (Inverite) step ---------- */
.ibv-frame-wrap {
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; background: var(--bg); box-shadow: var(--shadow-sm);
}
.ibv-frame { width: 100%; height: 560px; border: 0; display: block; }
@media (max-width: 640px) { .ibv-frame { height: 620px; } }

/* ---------- apply product chooser ---------- */
.chooser-grid {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 22px;
  max-width: 1080px; margin-inline: auto;
}
.chooser-card {
  flex: 1 1 300px; max-width: 336px; text-decoration: none;
}
.chooser-help {
  text-align: center; margin-top: 34px; font-size: 15px; color: var(--ink-soft);
}
.chooser-help a { color: var(--green-dark); font-weight: 700; }
.chooser-help a:hover { text-decoration: underline; }

/* ---------- about page timeline ---------- */
.timeline { position: relative; max-width: 940px; margin: 8px auto 0; }
.timeline::before {
  content: ""; position: absolute; top: 12px; bottom: 12px; left: 50%;
  width: 4px; margin-left: -2px; border-radius: 99px;
  background: linear-gradient(180deg, var(--orange), var(--green));
}
.tl-row { position: relative; display: flex; margin-bottom: 34px; }
.tl-row:last-child { margin-bottom: 0; }
.tl-row.left { justify-content: flex-start; }
.tl-row.right { justify-content: flex-end; }
.tl-card {
  width: calc(50% - 46px); background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 22px 26px; box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.tl-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.tl-year { font-family: var(--font-head); font-weight: 800; font-size: 26px; line-height: 1; color: var(--orange-dark); }
.tl-row.right .tl-year { color: var(--green-dark); }
.tl-card h3 { font-size: 18px; margin: 6px 0 8px; }
.tl-card p { font-size: 14.5px; color: var(--ink-soft); }
.tl-dot {
  position: absolute; left: 50%; top: 24px; transform: translate(-50%, -50%);
  width: 48px; height: 48px; border-radius: 50%; background: var(--white);
  border: 4px solid var(--orange); display: grid; place-items: center; z-index: 2;
  box-shadow: var(--shadow-sm); color: var(--orange-dark);
}
.tl-row.right .tl-dot { border-color: var(--green); color: var(--green-dark); }
@media (max-width: 720px) {
  .timeline::before { left: 23px; }
  .tl-row, .tl-row.left, .tl-row.right { justify-content: flex-start; }
  .tl-card { width: calc(100% - 66px); margin-left: 66px; }
  .tl-dot { left: 23px; top: 22px; }
}

/* ==========================================================================
   Dark mode
   ========================================================================== */
:root[data-theme="dark"] {
  --orange-soft: #33241c;
  --orange-mist: #1b1611;
  --orange-deep: #f4885b;
  --orange-dark: #ef7443;
  --green-soft:  #16281b;
  --green-mist:  #131c16;
  --green-dark:  #63cf6b;
  --green-deep:  #16271c;   /* elevated dark panels (bands, btn-green) */
  --green-ink:   #101d15;   /* footer */

  --ink:       #eef2ee;
  --ink-soft:  #b4beb7;
  --ink-faint: #879089;
  --line:      #2b3630;
  --line-soft: #212b25;
  --bg:        #0e1512;
  --white:     #17201b;
  --cream:     #131b16;

  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.35);
  --shadow-md: 0 6px 24px rgba(0, 0, 0, 0.45);
  --shadow-lg: 0 18px 50px rgba(0, 0, 0, 0.55);
}
:root[data-theme="dark"] .site-header { background: rgba(14, 21, 18, 0.9); }
:root[data-theme="dark"] .topbar a { color: #8fe0a8; }
/* range slider track dark */
:root[data-theme="dark"] input[type="range"] {
  background: linear-gradient(to right, var(--orange) 0%, var(--orange) var(--fill, 50%), var(--line) var(--fill, 50%));
}
/* keep the always-dark bands readable (their text is already light) */
:root[data-theme="dark"] .dark-band { border: 1px solid var(--line); }
:root[data-theme="dark"] .cta-banner { box-shadow: var(--shadow-md); }
/* soften pure-white logo edge on dark header is unnecessary; logo is transparent */
:root[data-theme="dark"] .fact-chip,
:root[data-theme="dark"] .calc-card,
:root[data-theme="dark"] .product-card,
:root[data-theme="dark"] .step-card,
:root[data-theme="dark"] .quote-card,
:root[data-theme="dark"] .acc-item { border-color: var(--line); }

/* ---------- theme toggle ---------- */
.theme-toggle {
  width: 42px; height: 42px; border-radius: 12px; border: 1.5px solid var(--line);
  background: transparent; color: var(--ink-soft); display: grid; place-items: center;
  cursor: pointer; transition: background 0.15s, color 0.15s, border-color 0.15s;
  flex-shrink: 0;
}
.theme-toggle:hover { background: var(--line-soft); color: var(--ink); }
.theme-toggle svg { width: 20px; height: 20px; }
.theme-toggle .ic-moon { display: block; }
.theme-toggle .ic-sun { display: none; }
:root[data-theme="dark"] .theme-toggle .ic-moon { display: none; }
:root[data-theme="dark"] .theme-toggle .ic-sun { display: block; }

/* ---------- scroll progress bar ---------- */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--orange), var(--green));
  z-index: 200; transition: width 0.1s linear;
}

/* ==========================================================================
   Resource centre / articles
   ========================================================================== */
.resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 900px) { .resource-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .resource-grid { grid-template-columns: 1fr; } }
.resource-card {
  display: flex; flex-direction: column; gap: 12px; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px 24px;
  text-decoration: none; transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.resource-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--orange); }
.resource-card .rc-tag {
  align-self: flex-start; font-size: 11.5px; font-weight: 700; font-family: var(--font-head);
  letter-spacing: 0.05em; text-transform: uppercase; color: var(--green-dark);
  background: var(--green-soft); padding: 5px 12px; border-radius: 999px;
}
.resource-card h3 { font-size: 19px; }
.resource-card p { font-size: 14.5px; color: var(--ink-soft); flex-grow: 1; }
.resource-card .rc-read { font-family: var(--font-head); font-weight: 700; font-size: 14.5px; color: var(--orange-dark); display: inline-flex; gap: 7px; align-items: center; }
.resource-card:hover .rc-read .arr { transform: translateX(4px); }
.rc-read .arr { transition: transform 0.2s; }

/* article prose */
.article { max-width: 760px; margin-inline: auto; }
.article .kicker { color: var(--green-dark); font-family: var(--font-head); font-weight: 700; font-size: 13.5px; letter-spacing: 0.06em; text-transform: uppercase; }
.article h1 { font-size: clamp(30px, 4.4vw, 46px); margin: 12px 0 14px; }
.article .lede { font-size: 18.5px; color: var(--ink-soft); margin-bottom: 10px; }
.article .meta { font-size: 13.5px; color: var(--ink-faint); margin-bottom: 8px; }
.article h2 { font-size: 25px; margin: 38px 0 14px; }
.article h3 { font-size: 19px; margin: 26px 0 10px; }
.article p, .article li { font-size: 16.5px; line-height: 1.7; color: var(--ink-soft); margin-bottom: 14px; }
.article ul, .article ol { padding-left: 24px; margin-bottom: 16px; }
.article li { margin-bottom: 8px; }
.article strong { color: var(--ink); }
.article a:not(.btn) { color: var(--orange-dark); font-weight: 600; text-decoration: underline; }
.article .callout {
  background: var(--green-mist); border: 1px solid var(--line); border-left: 4px solid var(--green);
  border-radius: var(--radius); padding: 18px 22px; margin: 24px 0;
}
.article .callout p:last-child { margin-bottom: 0; }
.article .callout strong { color: var(--green-dark); }
.article-nav { display: flex; justify-content: space-between; gap: 16px; margin-top: 44px; padding-top: 24px; border-top: 1px solid var(--line-soft); flex-wrap: wrap; }

/* budget calculator */
.budget-tool { max-width: 720px; margin-inline: auto; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-xl); box-shadow: var(--shadow-md); padding: 34px; }
.budget-tool .bt-input { text-align: center; margin-bottom: 26px; }
.budget-tool .bt-input label { display: block; font-size: 13.5px; font-weight: 700; color: var(--ink-soft); margin-bottom: 10px; }
.budget-tool .bt-input .money-wrap { display: inline-flex; align-items: center; gap: 4px; border: 1.5px solid var(--line); border-radius: 14px; padding: 10px 18px; background: var(--bg); font-family: var(--font-head); font-weight: 800; font-size: 28px; }
.budget-tool .bt-input .money-wrap:focus-within { border-color: var(--orange); box-shadow: 0 0 0 4px rgba(241,90,36,0.14); }
.budget-tool .bt-input input { border: none; background: transparent; font: inherit; width: 160px; color: var(--ink); outline: none; }
.budget-rows { display: grid; gap: 14px; }
.budget-row { display: grid; grid-template-columns: 150px 1fr auto; align-items: center; gap: 14px; }
@media (max-width: 560px) { .budget-row { grid-template-columns: 1fr; gap: 4px; } }
.budget-row .b-lab { font-weight: 700; font-family: var(--font-head); }
.budget-row .b-lab small { display: block; font-size: 12px; color: var(--ink-faint); font-weight: 500; font-family: var(--font-body); }
.budget-row .b-track { height: 26px; border-radius: 99px; background: var(--line-soft); overflow: hidden; }
.budget-row .b-fill { height: 100%; border-radius: 99px; transition: width 0.4s ease; }
.budget-row .b-val { font-family: var(--font-head); font-weight: 800; font-size: 18px; min-width: 96px; text-align: right; }

/* ---------- language toggle ---------- */
.lang-toggle {
  font-family: var(--font-head); font-weight: 800; font-size: 13.5px; letter-spacing: 0.03em;
  color: var(--ink-soft); border: 1.5px solid var(--line); border-radius: 10px;
  padding: 9px 12px; text-decoration: none; transition: background 0.15s, color 0.15s, border-color 0.15s;
  flex-shrink: 0;
}
.lang-toggle:hover { color: var(--ink); background: var(--line-soft); border-color: var(--ink-faint); }