*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#031d33;
  --navy2:#041628;
  --navy3:#071f38;
  --cyan:#00b4d8;
  --cyan2:#0096b7;
  --cyan-glow:rgba(0,180,216,.45);
  --amber:#ffb703;
  --amber2:#e0a000;
  --white:#ffffff;
  --light:#f8f9fa;
  --text:#2d3748;
  --text-light:#4a5568;
  --text-muted:#7a9ab0;
  --text-dim:#4a6a80;
  --text-pale:#90a8be;
  --dark-bg:#1a0a00;
  --border:#dee2e6;
  --glow-cyan:0 0 16px rgba(0,180,216,.55),0 0 32px rgba(0,180,216,.25);
  --glow-amber:0 0 16px rgba(255,183,3,.5),0 0 32px rgba(255,183,3,.2);
}
html,body{scroll-behavior:smooth;margin:0;padding:0;width:100%;min-height:100%}
body{font-family:'Inter',sans-serif;background:#fff;color:var(--text);line-height:1.65;overflow-x:hidden;font-size:17px}

/* ─── NAV ─── */
#mainNav{position:sticky;top:0;z-index:999;background:var(--navy2);display:flex;align-items:center;justify-content:space-between;padding:0 24px 0 52px;height:56px;box-shadow:0 2px 20px rgba(0,0,0,.6),0 1px 0 rgba(0,180,216,.2)}
.nav-logo{display:flex;align-items:center;gap:4px;text-decoration:none}
.nav-logo-box{width:32px;height:32px;background:linear-gradient(135deg,#00b4d8 0%,#0077a8 50%,#004d7a 100%);border:none;border-radius:8px;display:flex;align-items:center;justify-content:center;font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:20px;color:#000;flex-shrink:0;letter-spacing:2px;text-transform:uppercase;box-shadow:inset 0 1px 0 rgba(255,255,255,.25)}
.nav-logo-text{font-family:'Oswald',sans-serif;font-weight:700;font-size:20px;letter-spacing:.5px;color:#fff}
.nav-links{display:flex;align-items:center;gap:20px;list-style:none;margin-left:auto;padding-right:8px}
.nav-links a{color:#a0b4c8;font-size:14px;font-weight:500;text-decoration:none;transition:color .2s}
.nav-links a:hover{color:var(--amber)}
.nav-cta{background:var(--amber);color:var(--dark-bg);font-family:'Oswald',sans-serif;font-weight:700;font-size:14px;padding:8px 22px;border-radius:7px;text-decoration:none;letter-spacing:.5px;transition:all .2s;box-shadow:var(--glow-amber)}
.nav-cta:hover{background:var(--amber2);transform:translateY(-1px)}
a.nav-cta,a.nav-cta:hover{color:var(--dark-bg)}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}
.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px}
.mobile-menu{display:none;position:fixed;top:68px;left:0;right:0;background:var(--navy2);z-index:998;padding:20px 28px 28px;flex-direction:column;gap:12px;border-top:1px solid rgba(0,180,216,.2)}
.mobile-menu a{color:#a0b4c8;font-size:16px;font-weight:600;text-decoration:none;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.07);transition:color .2s}
.mobile-menu a:hover{color:var(--amber)}
.mobile-menu .nav-cta{text-align:center;margin-top:8px;padding:13px;display:block;color:#000 !important}

/* ─── HERO (Section 1) ─── */
.hero{position:relative;background:var(--navy);min-height:600px;display:flex;align-items:flex-start;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:linear-gradient(108deg,var(--navy) 42%,rgba(3,29,51,.82) 65%,rgba(3,29,51,.2) 82%);z-index:1}
.hero-img{position:absolute;right:0;top:0;height:100%;width:62%;object-fit:cover;object-position:center center;opacity:.88}
.hero-content{position:relative;z-index:2;padding:24px 56px 24px 96px;max-width:620px}
.hero-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,180,216,.13);border:1px solid rgba(0,180,216,.4);color:#fff;font-size:13px;font-family:'Oswald',sans-serif;font-weight:500;letter-spacing:1px;padding:6px 14px;border-radius:22px;margin-bottom:12px;box-shadow:var(--glow-cyan)}
.hero-badge .pulse{width:8px;height:8px;border-radius:50%;background:#22c55e;animation:pulse 1.8s ease-in-out infinite;box-shadow:0 0 8px #22c55e}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(44px,5.5vw,70px);font-weight:900;line-height:1.05;color:#fff;margin-bottom:10px;letter-spacing:-.5px}
.hero h1 .accent{color:var(--amber);font-style:italic;text-shadow:var(--glow-amber)}
.hero-sub-teal{font-family:'Oswald',sans-serif;font-size:20px;font-weight:600;color:var(--cyan);letter-spacing:.4px;margin-bottom:8px;text-shadow:var(--glow-cyan)}
.hero-sub{font-size:16px;color:var(--text-pale);margin-bottom:12px;max-width:400px;line-height:1.6}
.hero-bullets{list-style:none;margin-bottom:16px;display:flex;flex-direction:column;gap:6px}
.hero-bullets li{display:flex;align-items:center;gap:10px;font-size:21px;color:#c0d4e4;font-weight:500}
.hero-bullets li .cb{width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--cyan);display:flex;align-items:center;justify-content:center}
.hero-bullets li .cb svg{width:11px;height:11px;stroke:#031d33;fill:none;stroke-width:3.5;stroke-linecap:round;stroke-linejoin:round}
.hero-btn{display:inline-block;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:20px;letter-spacing:1.5px;text-transform:uppercase;padding:16px 38px;border-radius:9px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.hero-btn:hover{background:var(--amber2);transform:translateY(-2px)}
.hero-secure-row{display:flex;align-items:center;gap:18px;margin-top:14px;flex-wrap:wrap}
.hero-secure{display:flex;align-items:center;gap:6px;color:var(--text-dim);font-size:13px}
.hero-secure svg{width:13px;height:13px;stroke:currentColor;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.hero-social-proof{margin-top:20px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.hero-stars{color:var(--amber);font-size:18px;letter-spacing:1px}
.hero-social-proof .proof-text{font-size:14px;font-weight:600;color:#ffffff}
.hero-social-proof .proof-text b{color:var(--amber)}
.live-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,180,216,.12);border:1px solid rgba(0,180,216,.3);color:var(--cyan);font-size:13px;font-family:'Oswald',sans-serif;font-weight:500;letter-spacing:.5px;padding:5px 12px;border-radius:22px}

/* ─── PROBLEM / SOLUTION ─── */
.problem-section{background:#fff;padding:48px 64px}
.problem-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;max-width:1100px;margin:0 auto;align-items:stretch}
.problem-img{border-radius:16px;overflow:hidden;border:1px solid rgba(220,50,50,.15);box-shadow:0 0 18px rgba(200,40,40,.12),0 0 40px rgba(180,30,30,.07);height:100%}
.problem-img img{width:100%;height:100%;object-fit:cover;display:block}
.solution-blurb{max-width:1100px;margin:48px auto 0;display:grid;grid-template-columns:1fr 1.15fr;grid-template-rows:auto auto;column-gap:48px;row-gap:0;align-items:start}
.solution-text-top{grid-column:1;grid-row:1}
.solution-text-bottom{grid-column:1;grid-row:2;align-self:start}
.solution-img-wrap{grid-column:2;grid-row:1/span 2;align-self:stretch;border-radius:18px;overflow:hidden;border:1.5px solid rgba(0,180,216,.25);box-shadow:0 4px 24px rgba(0,180,216,.15)}
.problem-content h2{font-family:'Playfair Display',serif;font-size:clamp(28px,3.5vw,42px);font-weight:800;line-height:1.15;color:var(--navy);margin-bottom:14px}
.problem-content h2 span{color:var(--cyan);text-shadow:0 0 20px rgba(0,180,216,.4)}
.problem-content p{font-size:16.5px;color:var(--text-light);margin-bottom:18px;line-height:1.7}
.problem-content h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:12px}
.problem-list{list-style:none;display:flex;flex-direction:column;gap:10px}
.problem-list li{display:flex;align-items:center;gap:10px;font-size:15.5px;color:var(--text);padding:12px 16px;background:#fff4f4;border-radius:8px;border:1px solid #fcd5d5}
.problem-list li::before{content:'⊗';color:#e05555;font-size:16px;flex-shrink:0}

/* ─── TICKER ─── */
.ticker-wrap{background:var(--navy2);overflow:hidden;width:100%}
.ticker{display:flex;width:max-content;animation:ticker-scroll 90s linear infinite}
.ticker-wrap:hover .ticker{animation-play-state:paused}
.ticker-item{white-space:nowrap;padding:11px 46px;font-size:14.5px;font-weight:600;color:#ffffff;display:flex;align-items:center;gap:10px}
.ticker-item .dot{width:7px;height:7px;border-radius:50%;background:#f5a623;display:inline-block;flex-shrink:0;box-shadow:0 0 6px #f5a623}

/* ─── SHARED SECTION STYLES ─── */
.section-label{text-align:center;font-family:'Oswald',sans-serif;font-size:14px;font-weight:600;color:var(--cyan);letter-spacing:3px;text-transform:uppercase;margin-bottom:10px;text-shadow:0 0 12px rgba(0,180,216,.5)}
h2.section-title{font-family:'Playfair Display',serif;font-size:clamp(32px,4vw,52px);font-weight:800;color:var(--navy);margin-bottom:12px;line-height:1.1}
.section-sub{font-size:17px;color:var(--text-light);margin-bottom:40px;line-height:1.65}

/* ─── SECTION 2 — LOAN OPTIONS ─── */
.loan-section{background:var(--navy);padding:64px 64px}
.loan-section .section-label{color:var(--amber)}
.loan-section .section-title{color:#fff;text-align:center}
.loan-section .section-sub{color:var(--text-muted);text-align:center;max-width:640px;margin-left:auto;margin-right:auto}
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1040px;margin:0 auto 28px}
.loan-card{background:rgba(255,255,255,.04);border:1px solid rgba(0,180,216,.25);border-radius:14px;padding:24px 22px;cursor:pointer;transition:all .25s;position:relative;overflow:hidden;box-shadow:0 0 0 0 var(--cyan-glow)}
.loan-card:hover,.loan-card.open{border-color:var(--cyan);box-shadow:var(--glow-cyan);background:rgba(0,180,216,.06)}
.loan-card-header{display:flex;align-items:center;justify-content:center;gap:12px}
.loan-icon-wrap{width:44px;height:44px;border-radius:10px;background:rgba(0,180,216,.15);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.loan-icon-wrap svg{width:22px;height:22px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.loan-card h3{font-family:'Oswald',sans-serif;font-weight:600;font-size:18px;color:#fff;letter-spacing:.3px;flex:1;text-align:center}
.loan-arrow{font-size:18px;color:var(--amber);transition:transform .3s;flex-shrink:0}
.loan-card.open .loan-arrow{transform:rotate(90deg)}
.loan-body{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease;font-size:15px;color:#fff;line-height:1.65;padding:0;text-align:center}
.loan-card.open .loan-body{max-height:160px;padding-top:14px}
.loan-center-btn{text-align:center;margin-top:8px}

/* ─── SECTION 3 — HOW IT WORKS ─── */
.steps-section{padding:48px 64px;background:#fff}
.steps-section .section-title,.steps-section .section-sub{text-align:center}
.steps-section .section-sub{max-width:640px;margin-left:auto;margin-right:auto}
.ticker-inset{display:none}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;max-width:960px;margin:0 auto;position:relative;align-items:stretch}
.step-card{background:#fff;border:1.5px solid rgba(0,180,216,.25);border-radius:18px;padding:40px 24px 24px;text-align:center;position:relative;transition:all .25s;box-shadow:0 2px 20px rgba(0,0,0,.06);display:flex;flex-direction:column;align-items:center}
.step-card:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan)}
.step-num-badge{position:absolute;top:-16px;left:50%;transform:translateX(-50%);width:34px;height:34px;border-radius:50%;background:var(--amber);color:var(--navy);font-family:'Oswald',sans-serif;font-weight:700;font-size:16px;display:flex;align-items:center;justify-content:center;box-shadow:var(--glow-amber)}
.step-icon{width:72px;height:72px;border-radius:18px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:var(--glow-cyan);border:1px solid rgba(0,180,216,.3)}
.step-icon svg{width:34px;height:34px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.step-card h3{font-family:'Oswald',sans-serif;font-weight:600;font-size:20px;color:var(--navy);margin-bottom:9px;letter-spacing:.4px}
.step-card p{font-size:15.5px;color:var(--text-light);line-height:1.65}
.step-card .step-note{font-size:13px;color:var(--cyan);font-weight:600;margin-top:10px}
.steps-realtime{text-align:center;margin-top:28px;display:flex;align-items:center;justify-content:center;gap:8px;color:var(--text-light);font-size:15px}
.steps-realtime .dot{width:9px;height:9px;border-radius:50%;background:#22c55e;display:inline-block;box-shadow:0 0 8px #22c55e}

/* ─── SECTION 4 — ELIGIBILITY ─── */
.eligibility-outer{background:var(--navy);padding:48px 64px}
.eligibility-section{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:stretch;max-width:1100px;margin:0 auto}
.elig-panel{background:rgba(255,255,255,.05);border:1.5px solid rgba(0,180,216,.3);border-radius:20px;padding:20px 22px;box-shadow:0 4px 32px rgba(0,0,0,.25);display:flex;flex-direction:column}
.elig-panel .section-label{text-align:left}
.elig-panel h2{font-family:'Playfair Display',serif;font-size:clamp(28px,3.5vw,44px);font-weight:800;color:#fff;margin-bottom:8px}
.elig-panel>p{color:var(--text-pale);font-size:16px;margin-bottom:12px;line-height:1.65}
.elig-list{list-style:none;display:flex;flex-direction:column;gap:0}
.elig-item{display:flex;align-items:center;gap:14px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.elig-item:last-child{border-bottom:none}
.elig-check{width:28px;height:28px;min-width:28px;border-radius:50%;background:rgba(0,180,216,.12);border:1.5px solid var(--cyan);display:flex;align-items:center;justify-content:center;margin-top:1px}
.elig-check svg{width:13px;height:13px;stroke:var(--cyan);fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.elig-item-text{display:flex;flex-direction:column;justify-content:center;gap:3px}
.elig-item-text strong{display:block;font-size:15.5px;font-weight:700;color:#fff;line-height:1.3}
.elig-item-text span{font-size:13.5px;color:var(--text-muted);line-height:1.5}
.elig-cta-note{color:var(--amber);font-size:15px;font-weight:700;text-align:center;margin:16px 0 10px;font-family:'Oswald',sans-serif;letter-spacing:.4px}
.elig-btn{display:block;text-align:center;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:19px;letter-spacing:1.5px;text-transform:uppercase;padding:15px 32px;border-radius:9px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.elig-btn:hover{background:var(--amber2);transform:translateY(-2px)}
.elig-image-panel{border-radius:20px;overflow:hidden;border:1.5px solid rgba(0,180,216,.25);box-shadow:0 4px 24px rgba(0,0,0,.12);max-height:520px}
.elig-image-panel img{width:100%;height:100%;object-fit:cover;object-position:center 15%;display:block}

/* ─── SECTION 5 — IFRAME / FORM ─── */
.iframe-section{background:#f8f9fa;padding:24px 48px 16px}
.iframe-section .section-label{color:var(--cyan)}
.iframe-section .section-title{text-align:center;color:var(--navy);margin-bottom:6px}
.iframe-section .section-sub{text-align:center;max-width:600px;margin-left:auto;margin-right:auto;margin-bottom:16px}
.iframe-wrap{max-width:860px;margin:0 auto;border-radius:16px;overflow:visible;border:2px solid rgba(0,180,216,.3);box-shadow:var(--glow-cyan),0 12px 48px rgba(0,0,0,.1)}
#application-form{height:840px;width:100%;border:none;display:block}
#mobile-apply-cta{display:none;padding:48px 24px;text-align:center;background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);border-radius:14px}
#mobile-apply-cta .mac-icon{display:flex;justify-content:center;align-items:center;width:72px;height:72px;background:rgba(34,197,94,.12);border:1.5px solid rgba(34,197,94,.35);border-radius:18px;margin:0 auto 20px;box-shadow:0 0 16px rgba(34,197,94,.3)}
#mobile-apply-cta h3{font-family:'Playfair Display',serif;font-size:26px;font-weight:800;color:#fff;margin-bottom:10px;line-height:1.2}
#mobile-apply-cta p{font-size:15px;color:var(--text-pale);margin-bottom:28px;line-height:1.6}
#mobile-apply-cta a{display:inline-block;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:22px;letter-spacing:1.5px;text-transform:uppercase;padding:18px 48px;border-radius:9px;text-decoration:none;box-shadow:var(--glow-amber);width:100%;max-width:320px}
#mobile-apply-cta .mac-trust{margin-top:18px;font-size:13px;color:var(--text-dim);display:flex;justify-content:center;gap:16px;flex-wrap:wrap}

/* ─── SECTION 6 — TESTIMONIALS ─── */
.testimonials-section{background:var(--navy);padding:64px 0}
.testimonials-section .section-label{color:var(--amber);text-align:center}
.testimonials-section .section-title{text-align:center;color:#fff;padding:0 32px;margin-bottom:40px}
.testimonials-row{overflow:hidden;width:100%;margin-bottom:20px}
.testimonials-track{display:flex;width:max-content;gap:20px;will-change:transform;backface-visibility:hidden;-webkit-backface-visibility:hidden}
.testimonials-track.row1{animation:scroll-right 90s linear infinite}
.testimonials-track.row2{animation:scroll-left 77s linear infinite}
.testimonials-row:hover .testimonials-track{animation-play-state:paused}
.t-card{background:#ffffff;border:1px solid #e8ecf0;border-radius:16px;padding:28px 24px;width:360px;flex-shrink:0;transition:all .3s ease;box-shadow:0 4px 20px rgba(0,0,0,0.04);display:flex;flex-direction:column;justify-content:space-between}
.t-card:hover{transform:translateY(-5px);box-shadow:0 12px 32px rgba(0,180,216,0.12);border-color:rgba(0,180,216,0.3)}
.t-quote{color:var(--cyan);font-size:32px;line-height:1;margin-bottom:4px;opacity:.6}
.t-stars{color:var(--amber);font-size:16px;margin-bottom:12px;letter-spacing:1px}
.t-text{font-size:15px;color:var(--text);line-height:1.7;margin-bottom:20px;flex-grow:1}
.t-author-row{display:flex;align-items:center;gap:12px;padding-top:16px;border-top:1px solid #f0f4f8}
.t-avatar{width:42px;height:42px;border-radius:50%;background:#6b21a8;border:none;display:flex;align-items:center;justify-content:center;font-family:'Oswald',sans-serif;font-weight:700;font-size:16px;color:#fff;flex-shrink:0;box-shadow:0 2px 8px rgba(0,0,0,0.1)}
.t-author-name{font-family:'Oswald',sans-serif;font-size:16px;font-weight:700;color:var(--navy);letter-spacing:.3px}
.t-approved{font-size:14px;color:var(--cyan);font-weight:700;margin-top:2px}

/* ─── SECTION 7 — FAQ ─── */
.faq-section{padding:48px 64px;background:#f0f4f8}
.faq-section .section-label{color:var(--cyan)}
.faq-section .section-title{text-align:center;color:var(--navy);margin-bottom:38px}
.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{background:#fff;border-radius:12px;border:1.5px solid rgba(0,180,216,.2);overflow:hidden;transition:border-color .2s,box-shadow .2s}
.faq-item:hover,.faq-item.open{border-color:var(--cyan);box-shadow:var(--glow-cyan)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:18px 24px;font-family:'Inter',sans-serif;font-size:17px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq-q .arrow{font-size:20px;transition:transform .3s;color:var(--cyan);min-width:22px;text-align:center}
.faq-item.open .arrow{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease;font-size:16px;color:var(--text-light);line-height:1.7;padding:0 24px}
.faq-item.open .faq-a{max-height:260px;padding:0 24px 20px}

/* ─── SECTION 8 — SOFT CLOSE CTA ─── */
.softclose-section{position:relative;padding:88px 64px;text-align:center;overflow:hidden;background:var(--navy)}
.softclose-bg{position:absolute;inset:0;background:url('assets/images/footers/blue-electric-car-luxury-showroom.jpg') center/cover no-repeat}
.softclose-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(3,29,51,.45) 30%,rgba(3,29,51,.2))}
.softclose-content{position:relative;z-index:1}
.softclose-content h2{font-family:'Playfair Display',serif;font-size:clamp(32px,4.5vw,56px);font-weight:900;color:#fff;margin-bottom:12px}
.softclose-content p{color:var(--text-muted);font-size:18px;margin-bottom:32px;max-width:560px;margin-left:auto;margin-right:auto}
.softclose-btn{display:inline-block;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:22px;letter-spacing:1.5px;text-transform:uppercase;padding:20px 52px;border-radius:10px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.softclose-btn:hover{background:var(--amber2);transform:translateY(-2px)}
.softclose-badges{display:flex;justify-content:center;gap:28px;margin-top:26px;flex-wrap:wrap}
.softclose-badge{display:flex;align-items:center;gap:8px;color:var(--text-muted);font-size:15px;font-weight:600}
.softclose-badge svg{width:17px;height:17px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.no-sell{color:var(--cyan);font-size:14px;font-weight:600;margin-top:16px;text-align:center;letter-spacing:.3px}

/* ─── FOOTER ─── */
footer{background:var(--navy2);padding:48px 64px 32px;border-top:1px solid rgba(0,180,216,.15)}
.footer-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1.8fr 1fr 1fr;gap:44px}
span.logo-vehicles{color:var(--amber)}
.footer-logo-wrap{display:flex;align-items:center;gap:4px;margin-bottom:14px}
.footer-brand .nav-logo-text{display:block;font-family:'Oswald',sans-serif;font-weight:700;font-size:20px;color:#fff;margin-bottom:0;letter-spacing:.5px}
.footer-brand p{font-size:15px;color:#5a7a90;line-height:1.7;max-width:280px}
.footer-col h4{font-family:'Oswald',sans-serif;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:2px;margin-bottom:14px;color:var(--cyan)}
.footer-col a{display:block;color:#5a7a90;font-size:15px;text-decoration:none;margin-bottom:9px;transition:color .2s}
.footer-col a:hover{color:var(--amber)}
.footer-bottom{border-top:1px solid rgba(0,180,216,.1);margin-top:32px;padding-top:22px;max-width:1100px;margin-left:auto;margin-right:auto}
.footer-bottom .disc{font-size:13px;color:#2a4a5a;line-height:1.65;max-width:900px}

/* ─── FV BANNER ─── */
.fv-banner{position:relative;width:100%;background:#0c1825;overflow:hidden;font-family:'Inter',sans-serif;min-height:580px;isolation:isolate}
.fv-banner-bg{position:absolute;top:0;right:0;width:85%;height:100%;z-index:0;overflow:hidden}
.fv-banner-bg img{width:100%;height:100%;object-fit:cover;object-position:5% center;display:block;transform:scale(1.22) translateX(-3%);transform-origin:center center}
.fv-banner-bg::before{content:'';position:absolute;inset:0;z-index:2;background:linear-gradient(to right,#0c1825 0%,rgba(12,24,37,.98) 6%,rgba(12,24,37,.6) 22%,rgba(12,24,37,.15) 45%,transparent 62%);pointer-events:none}
.fv-banner-bg::after{content:'';position:absolute;inset:0;z-index:3;background:linear-gradient(to bottom,rgba(12,24,37,.35) 0%,transparent 20%,transparent 72%,rgba(12,24,37,.65) 100%);pointer-events:none}
.fv-nav{display:none}
.fv-logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.fv-logo-box{width:32px;height:32px;background:var(--amber);border-radius:5px;display:flex;align-items:center;justify-content:center;font-family:'Oswald',sans-serif;font-weight:700;font-size:13px;color:#0c1825;flex-shrink:0}
.fv-logo-text{font-family:'Oswald',sans-serif;font-weight:700;font-size:17px;letter-spacing:.3px;color:#fff}
.fv-nav-links{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.fv-nav-links a{color:rgba(255,255,255,.72);font-size:13.5px;font-weight:500;text-decoration:none;transition:color .2s}
.fv-nav-links a:hover{color:#fff}
.fv-nav-btn{background:var(--amber);color:#0c1825;font-family:'Oswald',sans-serif;font-weight:700;font-size:13.5px;padding:9px 22px;border-radius:6px;text-decoration:none;letter-spacing:.4px;transition:all .2s}
.fv-nav-btn:hover{background:var(--amber2);transform:translateY(-1px);color:#0c1825}
.fv-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}
.fv-hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px}
.fv-hero{position:relative;z-index:5;padding:32px 52px 44px 120px;max-width:65%}
.fv-hero h1{font-family:'Inter',sans-serif;font-size:clamp(44px,5vw,70px);font-weight:800;line-height:1.08;color:#fff;margin:0 0 14px;max-width:none;letter-spacing:-.5px;white-space:nowrap}
.fv-hero h1 .fv-accent{color:var(--amber)}
.fv-hero-sub{font-size:19px;color:rgba(255,255,255,.72);line-height:1.6;margin:0 0 18px;max-width:520px}
.fv-bullets{list-style:none;margin:0 0 22px;padding:0;display:flex;flex-direction:column;gap:10px}
.fv-bullets li{display:flex;align-items:center;gap:12px;font-size:17.5px;color:rgba(255,255,255,.9)}
.fv-bi{width:22px;height:22px;border-radius:50%;border:1.5px solid var(--amber);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--amber);font-size:11px;font-weight:700}
.fv-cta-btn{display:inline-block;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:20px;letter-spacing:1.5px;text-transform:uppercase;padding:18px 42px;border-radius:8px;text-decoration:none;transition:all .2s;box-shadow:var(--glow-amber)}
.fv-cta-btn:hover{background:var(--amber2);transform:translateY(-2px)}
.fv-trust-item{display:flex;align-items:center;gap:5px;font-size:12.5px;color:rgba(255,255,255,.45)}
.fv-mob{display:none;position:relative;z-index:9;background:rgba(8,16,30,.98);flex-direction:column;border-top:1px solid rgba(245,166,35,.15)}
.fv-mob a{color:rgba(255,255,255,.8);font-size:15px;font-weight:500;text-decoration:none;padding:13px 28px;border-bottom:1px solid rgba(255,255,255,.07);display:block}
.fv-mob a:hover{color:var(--amber)}
.fv-mob .fv-nav-btn{margin:12px 28px 18px;display:block;text-align:center}

/* ─── PAGE BANNER & INNER PAGES ─── */
.page-banner{background:var(--navy);padding:52px 64px;text-align:center;border-bottom:1px solid rgba(0,180,216,.2)}
.page-banner h1{font-family:'Playfair Display',serif;font-size:clamp(36px,5vw,60px);font-weight:800;color:#fff;letter-spacing:-.3px;text-shadow:var(--glow-cyan)}
.page-content{max-width:880px;margin:0 auto;padding:52px 64px}
.info-card{background:var(--light);border-radius:14px;padding:30px 36px;margin-bottom:28px;border-left:4px solid var(--amber);box-shadow:0 2px 16px rgba(0,0,0,.06)}
.info-card h2{font-family:'Playfair Display',serif;font-size:28px;font-weight:800;color:var(--navy);margin-bottom:11px}
.info-card p{color:#4a5a6a;font-size:16px;line-height:1.75}
.content-section{margin-bottom:28px}
.content-section h3{font-family:'Oswald',sans-serif;font-size:20px;font-weight:600;color:var(--cyan);margin-bottom:9px;letter-spacing:.3px}
.content-section p,.content-section li{font-size:16px;color:#4a5a6a;line-height:1.75}
.content-section ul{padding-left:22px;display:flex;flex-direction:column;gap:7px}
.privacy-badges{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.privacy-badge{display:flex;align-items:center;gap:9px;background:var(--light);border-radius:10px;padding:14px 20px;font-family:'Oswald',sans-serif;font-size:15px;font-weight:600;color:var(--navy);flex:1;min-width:170px;letter-spacing:.3px;border:1px solid rgba(0,180,216,.2)}
.privacy-badge svg{width:19px;height:19px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ─── CTA BUTTON shared ─── */
.cta-btn{display:inline-block;background:var(--amber);color:var(--dark-bg);font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:19px;letter-spacing:1.5px;text-transform:uppercase;padding:15px 38px;border-radius:9px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.cta-btn:hover{background:var(--amber2);transform:translateY(-2px)}
.cta-btn.outline{background:transparent;color:var(--amber);border:2px solid var(--amber)}
.cta-btn.outline:hover{background:var(--amber);color:#fff}

/* ─── ROUTER ─── */
.page{display:none}.page.active{display:block}

/* ─── KEYFRAMES ─── */
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.4;transform:scale(1.35)}}
@keyframes liveDotPulse{0%,100%{box-shadow:0 0 4px 1px rgba(34,197,94,.7)}50%{box-shadow:0 0 10px 3px rgba(34,197,94,.3)}}
@keyframes liveDotRipple{0%{transform:scale(1);opacity:.6}100%{transform:scale(2.8);opacity:0}}
@keyframes ticker-scroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
@keyframes scroll-right{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
@keyframes scroll-left{0%{transform:translateX(-50%)}100%{transform:translateX(0)}}
@keyframes btn-pulse{0%,100%{box-shadow:var(--glow-amber),0 0 0 0 rgba(245,166,35,.55)}60%{box-shadow:var(--glow-amber),0 0 0 14px rgba(245,166,35,0)}}

/* ─── RESPONSIVE ─── */
@media(max-width:1000px){
  .nav-links,.nav-cta{display:none}
  .hamburger{display:flex}
  nav{padding:0 28px}
  #mainNav{padding:0 16px 0 26px}
  .hero-badge{font-size:10.5px;padding:5px 8px;letter-spacing:0;gap:5px;margin-bottom:32px}
  .hero-badge .pulse{width:6px;height:6px}
  .fv-trust{gap:10px;font-size:11px;justify-content:center;margin-bottom:16px}
  .fv-trust-item{font-size:11px}
  .hero-content{padding:36px 36px 36px 48px;max-width:100%}
  .hero-img{width:100%;opacity:.28}
  .hero-bg{background:linear-gradient(180deg,rgba(3,29,51,.92) 55%,rgba(3,29,51,.97))}
  .problem-grid,.eligibility-section{grid-template-columns:1fr;gap:32px}
  .solution-blurb{display:flex;flex-direction:column;gap:24px}
  .solution-text-top{order:1}
  .solution-img-wrap{order:2}
  .solution-text-bottom{order:3}
  .problem-img img{aspect-ratio:16/9}
  .elig-image-panel{display:none}
  .elig-panel{order:1}
  .loan-grid{grid-template-columns:1fr 1fr}
  .steps-grid{grid-template-columns:1fr;gap:28px}
  .problem-section,.steps-section,.loan-section,.faq-section,.softclose-section,.eligibility-outer,.iframe-section{padding:44px 28px}
  .footer-inner{grid-template-columns:1fr 1fr;gap:28px}
  .footer-brand{grid-column:1/-1}
  .footer-brand p{max-width:100%}
  footer{padding:36px 28px 28px}
  .page-content{padding:40px 28px}
  .page-banner{padding:36px 28px}
  .testimonials-section{padding:44px 0}
  .fv-nav-links{display:none}
  .fv-hamburger{display:flex}
  .fv-nav{padding:0 24px}
  .fv-banner{min-height:auto}
  .fv-banner-bg{width:100%;height:100%;opacity:1}
  .fv-banner-bg img{transform:none;object-position:86% center}
  .fv-banner-bg::before{background:linear-gradient(to bottom,rgba(12,24,37,.82) 0%,rgba(12,24,37,.55) 50%,rgba(12,24,37,.82) 100%)}
  .fv-banner-bg::after{background:none}
  .fv-hero{padding:8px 24px 0;max-width:100%;text-align:center}
  .fv-bullets{text-align:left}
  .fv-hero h1{white-space:normal;font-size:clamp(30px,7vw,44px)}
  .fv-hero-sub{max-width:100%;font-size:15px;margin-left:auto;margin-right:auto;color:#fff;font-weight:700;letter-spacing:.3px;text-shadow:0 1px 8px rgba(0,0,0,.55);font-style:italic}
  .fv-cta-btn{display:block;text-align:center;padding:16px 24px;font-size:18px;margin-top:38px}
  #application-form{height:1000px}
}
@media(max-width:600px){
  .footer-inner{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
  .loan-grid{grid-template-columns:1fr}
  .hero h1{font-size:38px}
  .hero-content{padding:32px 24px 32px 32px}
  .softclose-badges{gap:14px}
  .t-card{width:280px}
  .softclose-section{padding-top:64px}
}


/* ════════════════════════════════════════
   ABOUT PAGE
   ════════════════════════════════════════ */

/* ─── PAGE BANNER ─── */
.page-banner{background:var(--navy);padding:60px 64px 52px;text-align:center;position:relative;overflow:hidden}
.page-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 60% 0%,rgba(0,180,216,.13) 0%,transparent 65%),radial-gradient(ellipse at 10% 100%,rgba(255,183,3,.08) 0%,transparent 55%);pointer-events:none}
.section-label{font-family:'Oswald',sans-serif;font-size:13px;font-weight:600;color:var(--cyan);letter-spacing:3px;text-transform:uppercase;margin-bottom:10px;text-shadow:0 0 12px rgba(0,180,216,.5)}
.page-banner h1{font-family:'Playfair Display',serif;font-size:clamp(36px,5vw,58px);font-weight:900;color:#fff;line-height:1.08;margin-bottom:14px}
.page-banner h1 em{color:var(--amber);font-style:italic;text-shadow:var(--glow-amber)}
.page-banner>p{font-size:17px;color:#7a9ab0;max-width:560px;margin:0 auto;line-height:1.7}
.banner-badges{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.banner-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,180,216,.12);border:1px solid rgba(0,180,216,.35);color:#a0d4e4;font-size:13px;font-family:'Oswald',sans-serif;font-weight:500;letter-spacing:.5px;padding:6px 14px;border-radius:20px}
.banner-badge.green{background:rgba(34,197,94,.1);border-color:rgba(34,197,94,.3);color:#6ee7a0}
.pulse-sm{width:7px;height:7px;border-radius:50%;background:#22c55e;display:inline-block;animation:pulse 1.8s ease-in-out infinite;box-shadow:0 0 6px #22c55e;flex-shrink:0}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.4;transform:scale(1.35)}}
.banner-chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:24px}
.chip{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);color:#c0d4e4;font-size:14px;font-weight:500;padding:7px 16px;border-radius:20px}

/* ─── MISSION / STATS ─── */
.about-section{background:var(--light);padding:72px 64px}
.about-wrap{max-width:1060px;margin:0 auto}
.about-header{text-align:center;margin-bottom:52px}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.about-text .eyebrow{font-family:'Oswald',sans-serif;font-size:13px;font-weight:600;color:var(--cyan);letter-spacing:3px;text-transform:uppercase;margin-bottom:10px}
.about-text h2{font-family:'Playfair Display',serif;font-size:clamp(24px,3vw,34px);font-weight:800;color:var(--navy);line-height:1.15;margin-bottom:16px}
.about-text h2 span{color:var(--cyan)}
.about-text p{font-size:16px;color:var(--text-light);line-height:1.75;margin-bottom:14px}
.about-values{display:flex;flex-direction:column;gap:12px;margin-top:20px}
.about-val{display:flex;align-items:flex-start;gap:14px;padding:14px 16px;background:#fff;border-radius:12px;border:1px solid rgba(0,180,216,.18);transition:border-color .2s,box-shadow .2s}
.about-val:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan)}
.about-val-icon{width:40px;height:40px;border-radius:10px;background:linear-gradient(135deg,rgba(0,180,216,.18),rgba(0,180,216,.06));display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:19px}
.about-val-text h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:2px}
.about-val-text p{font-size:14px;color:var(--text-light);margin:0;line-height:1.5}
.about-stats{background:var(--navy);border-radius:20px;padding:36px 32px;display:flex;flex-direction:column;gap:24px;box-shadow:0 8px 40px rgba(3,29,51,.4),inset 0 1px 0 rgba(0,180,216,.15);border:1px solid rgba(0,180,216,.18)}
.stat-item{display:flex;align-items:center;gap:18px}
.stat-num{font-family:'Barlow Condensed',sans-serif;font-size:46px;font-weight:800;color:var(--amber);line-height:1;text-shadow:var(--glow-amber)}
.stat-desc h4{font-family:'Oswald',sans-serif;font-size:16px;color:#fff;font-weight:600;letter-spacing:.3px}
.stat-desc p{font-size:13px;color:#5a7a90;margin:0;line-height:1.5}
.stat-divider{height:1px;background:rgba(0,180,216,.12)}

/* ─── 3 STEPS ─── */
.steps-section{padding:72px 64px;background:#fff}
.steps-section .section-label,.steps-section .section-title,.steps-section .section-sub{text-align:center}
.steps-section .section-sub{max-width:600px;margin:0 auto 52px}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;max-width:960px;margin:0 auto;position:relative;align-items:stretch}
.steps-grid::before{content:'';position:absolute;top:52px;left:calc(16.66% + 16px);right:calc(16.66% + 16px);height:2px;background:linear-gradient(90deg,var(--cyan),rgba(0,180,216,.2));z-index:0;pointer-events:none}
.step-card{background:#fff;border:1.5px solid rgba(0,180,216,.22);border-radius:18px;padding:40px 24px 28px;text-align:center;position:relative;transition:all .25s;box-shadow:0 2px 20px rgba(0,0,0,.06);display:flex;flex-direction:column;align-items:center;z-index:1}
.step-card:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan);transform:translateY(-3px)}
.step-num-badge{position:absolute;top:-16px;left:50%;transform:translateX(-50%);width:34px;height:34px;border-radius:50%;background:var(--amber);color:var(--navy);font-family:'Oswald',sans-serif;font-weight:700;font-size:16px;display:flex;align-items:center;justify-content:center;box-shadow:var(--glow-amber);z-index:2}
.step-icon{width:68px;height:68px;border-radius:18px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:var(--glow-cyan);border:1px solid rgba(0,180,216,.3)}
.step-icon svg{width:32px;height:32px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.step-card h3{font-family:'Oswald',sans-serif;font-weight:600;font-size:20px;color:var(--navy);margin-bottom:9px;letter-spacing:.4px}
.step-card p{font-size:15px;color:var(--text-light);line-height:1.65}
.step-note{font-size:13px;color:var(--cyan);font-weight:600;margin-top:10px !important}

/* ─── LOAN TYPES ─── */
.loan-section{background:var(--navy);padding:72px 64px}
.loan-section .section-label{color:var(--amber);text-align:center}
.loan-section .section-title{color:#fff;text-align:center}
.loan-section .section-sub{color:#7a9ab0;text-align:center;max-width:620px;margin:0 auto 48px}
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:1040px;margin:0 auto 36px}
.loan-card{background:rgba(255,255,255,.04);border:1px solid rgba(0,180,216,.25);border-radius:14px;padding:28px 22px;transition:all .25s}
.loan-card:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan);background:rgba(0,180,216,.06)}
.loan-card-icon{width:52px;height:52px;border-radius:12px;background:rgba(0,180,216,.12);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.loan-card-icon svg{width:26px;height:26px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.loan-card h3{font-family:'Oswald',sans-serif;font-size:18px;font-weight:600;color:#fff;margin-bottom:8px;letter-spacing:.3px}
.loan-card p{font-size:14px;color:#7a9ab0;line-height:1.6;margin-bottom:16px}
.loan-learn{display:inline-flex;align-items:center;gap:6px;color:var(--amber);font-size:14px;font-weight:600;text-decoration:none;transition:gap .2s}
.loan-learn:hover{gap:10px}
.loan-learn svg{width:14px;height:14px;stroke:var(--amber);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.loan-learn:hover svg{transform:translateX(3px)}
.loan-cta-row{text-align:center}

/* ─── WHY US ─── */
.why-section{background:var(--light);padding:72px 64px}
.why-section .section-label,.why-section .section-title,.why-section .section-sub{text-align:center}
.why-section .section-sub{max-width:620px;margin:0 auto 52px}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:940px;margin:0 auto}
.why-card{background:#fff;border:1.5px solid rgba(0,180,216,.15);border-radius:16px;padding:28px 26px;display:flex;align-items:flex-start;gap:18px;transition:border-color .2s,box-shadow .2s}
.why-card:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan)}
.why-num{font-family:'Barlow Condensed',sans-serif;font-size:38px;font-weight:800;color:var(--cyan);line-height:1;flex-shrink:0;text-shadow:var(--glow-cyan);min-width:42px}
.why-body h4{font-family:'Oswald',sans-serif;font-size:17px;font-weight:600;color:var(--navy);margin-bottom:7px;letter-spacing:.3px}
.why-body p{font-size:15px;color:var(--text-light);line-height:1.68;margin:0}
.why-card-full{grid-column:1 / -1;max-width:460px;margin:0 auto;width:100%}

/* ─── VALUES ─── */
.values-section{background:#fff;padding:72px 64px}
.values-header{text-align:center;margin-bottom:52px}
.values-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:880px;margin:0 auto}
.val-card{background:var(--light);border:1.5px solid rgba(0,180,216,.15);border-radius:16px;padding:28px 24px;display:flex;align-items:flex-start;gap:18px;transition:border-color .2s,box-shadow .2s}
.val-card:hover{border-color:var(--cyan);box-shadow:var(--glow-cyan)}
.val-icon{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,rgba(0,180,216,.2),rgba(0,180,216,.06));display:flex;align-items:center;justify-content:center;flex-shrink:0}
.val-icon svg{width:24px;height:24px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.val-body h4{font-family:'Oswald',sans-serif;font-size:17px;font-weight:600;color:var(--navy);margin-bottom:6px;letter-spacing:.3px}
.val-body p{font-size:15px;color:var(--text-light);line-height:1.65;margin:0}

/* ─── CTA ─── */
.cta-strip{background:var(--navy);padding:80px 64px;text-align:center;position:relative;overflow:hidden}
.cta-strip::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(0,180,216,.12) 0%,transparent 65%);pointer-events:none}
.cta-strip h2{font-family:'Playfair Display',serif;font-size:clamp(28px,4vw,48px);font-weight:900;color:#fff;margin-bottom:14px;line-height:1.1}
.cta-strip h2 em{color:var(--amber);font-style:italic;text-shadow:var(--glow-amber)}
.cta-strip>p{font-size:17px;color:#7a9ab0;max-width:500px;margin:0 auto 32px;line-height:1.7}
.cta-btn-main{display:inline-block;background:var(--amber);color:#1a0a00;font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:20px;letter-spacing:1.5px;text-transform:uppercase;padding:17px 52px;border-radius:9px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.cta-btn-main:hover{background:var(--amber2);transform:translateY(-2px)}
.btn-amber{display:inline-block;background:var(--amber);color:#1a0a00;font-family:'Barlow Condensed',sans-serif;font-weight:800;font-size:19px;letter-spacing:1.5px;text-transform:uppercase;padding:15px 38px;border-radius:9px;text-decoration:none;transition:all .22s;box-shadow:var(--glow-amber)}
.btn-amber:hover{background:var(--amber2);transform:translateY(-2px)}
.loan-cta-row{text-align:center;margin-top:32px}
.aus-dot{display:none}
@media(max-width:1024px){
  .country-flags-row{justify-content:center}
  .dot-before-aus{display:none}
  .aus-dot{display:inline}
  .country-australia{width:100%;justify-content:center;margin-top:2px;transform:translateX(-14px)}
}
.cta-badges{display:flex;justify-content:center;gap:28px;margin-top:22px;flex-wrap:wrap}
.cta-badge{display:flex;align-items:center;gap:8px;color:#7a9ab0;font-size:14px;font-weight:500}
.cta-badge svg{width:15px;height:15px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ─── TRUST ─── */
.trust-strip{background:var(--navy2);padding:32px 64px;border-top:1px solid rgba(0,180,216,.12)}
.trust-inner{display:flex;align-items:center;justify-content:center;gap:48px;flex-wrap:wrap;max-width:900px;margin:0 auto}
.trust-item{display:flex;align-items:center;gap:10px;color:#7a9ab0;font-size:14px;font-weight:500}
.trust-item svg{width:18px;height:18px;stroke:var(--cyan);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}

/* ─── RESPONSIVE ─── */
@media(max-width:960px){
  .about-grid,.loan-grid{grid-template-columns:1fr}
  .loan-grid{grid-template-columns:1fr 1fr}
  .steps-grid{grid-template-columns:1fr;gap:36px}
  .steps-grid::before{display:none}
  .why-grid,.values-grid{grid-template-columns:1fr}
  .why-card-full{grid-column:auto;max-width:100%}
  .page-banner,.about-section,.steps-section,.loan-section,.why-section,.values-section,.cta-strip,.trust-strip,footer{padding-left:28px;padding-right:28px}
  .footer-inner{grid-template-columns:1fr 1fr;gap:28px}
  .footer-brand{grid-column:1/-1}
  .nav-links{display:none}
  .hamburger{display:flex}
}
@media(max-width:640px){
  .loan-grid{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
  .trust-inner{display:grid;grid-template-columns:1fr 1fr;gap:16px 12px;justify-items:start}
  .banner-chips{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .chip{text-align:center}
}

/* ════════════════════════════════════════
   GLASSMORPHISM LAYER
   Additive only — no layout or color changes
   ════════════════════════════════════════ */

/* Nav — solid, no glass */
#mainNav{
  background:var(--navy2);
  backdrop-filter:none;
  -webkit-backdrop-filter:none;
}
.mobile-menu{
  background:var(--navy2);
  backdrop-filter:none;
  -webkit-backdrop-filter:none;
}

/* Loan cards — dark section */
.loan-card{
  background:rgba(255,255,255,.05);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(0,180,216,.2);
}
.loan-card:hover,.loan-card.open{
  background:rgba(0,180,216,.08);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
}

/* Step cards — light section */
.step-card{
  background:rgba(255,255,255,.72);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border:1.5px solid rgba(0,180,216,.22);
  box-shadow:0 4px 24px rgba(0,180,216,.07),0 1px 0 rgba(255,255,255,.9) inset;
}
.step-card:hover{
  background:rgba(255,255,255,.88);
}

/* Eligibility panels — dark section */
.elig-panel{
  background:rgba(255,255,255,.06);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1.5px solid rgba(0,180,216,.25);
}

/* Testimonial cards — solid white */
.t-card{
  background:#ffffff;
  backdrop-filter:none;
  -webkit-backdrop-filter:none;
  border:1px solid #e8ecf0;
  color:var(--text);
}
.t-text{color:var(--text)}
.t-author-row{border-top:1px solid #f0f4f8}
.t-author-name{color:var(--navy)}
.t-approved{color:var(--cyan)}

/* FAQ items — light section */
.faq-item{
  background:rgba(255,255,255,.75);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1.5px solid rgba(0,180,216,.18);
}
.faq-item:hover,.faq-item.open{
  background:rgba(255,255,255,.92);
}

/* About value cards — light section */
.about-val{
  background:rgba(255,255,255,.7);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}

/* About stats box — dark card */
.about-stats{
  background:rgba(3,29,51,.65);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(0,180,216,.2);
}

/* Why & Values cards — light section */
.why-card,.val-card{
  background:rgba(255,255,255,.7);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}
.why-card:hover,.val-card:hover{
  background:rgba(255,255,255,.9);
}

/* Info cards — inner pages */
.info-card{
  background:rgba(248,249,250,.8);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}

/* Privacy badges */
.privacy-badge{
  background:rgba(248,249,250,.8);
  backdrop-filter:blur(8px);
  -webkit-backdrop-filter:blur(8px);
}

/* Banner badges */
.banner-badge{
  backdrop-filter:blur(8px);
  -webkit-backdrop-filter:blur(8px);
}

/* FV mobile menu */
.fv-mob{
  background:rgba(8,16,30,.82);
  backdrop-filter:blur(18px);
  -webkit-backdrop-filter:blur(18px);
}