:root {
  color-scheme: only light;
  --white: #ffffff;
  --canvas: #f7faf9;
  --teal: #27b5a4;
  --teal-dark: #147f78;
  --coral: #c97855;
  --coral-deep: #a95b3d;
  --amber: #d49a3a;
  --blue: #155e63;
  --blue-deep: #073f43;
  --ink: #173f45;
  --muted: #65787e;
  --line: #dbe8e9;
  --soft-blue: #edf6f7;
  --soft-teal: #e1f5f1;
  --danger: #a94f4a;
  --shell: 1180px;
  --radius: 16px;
  --shadow: 0 12px 30px rgba(7, 63, 67, .08);
  --shadow-hover: 0 20px 42px rgba(7, 63, 67, .15);
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
@font-face { font-family: "Libre Franklin"; src: url("libre-franklin.woff2") format("woff2"); font-style: normal; font-weight: 100 900; font-display: swap; }
body {
  min-width: 320px;
  margin: 0;
  color: var(--ink);
  background: var(--canvas);
  font-family: "Libre Franklin", Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}
button, input, textarea { font: inherit; }
button { cursor: pointer; }
button:focus-visible, a:focus-visible, summary:focus-visible, input:focus-visible, textarea:focus-visible { outline: 3px solid rgba(39, 181, 164, .42); outline-offset: 3px; }
a { color: inherit; }
img { display: block; max-width: 100%; }

.shell { width: min(var(--shell), calc(100% - 48px)); margin: 0 auto; }
.site-header { position: relative; z-index: 10; background: var(--white); border-bottom: 1px solid var(--line); }
.utility-bar { border-bottom: 1px solid #eef3f3; }
.utility-wrap { display: flex; align-items: center; min-height: 66px; gap: 34px; }
.brand { display: inline-flex; align-items: center; flex: 0 0 auto; }
.brand img { width: 150px; height: auto; }
.audience-links { display: flex; align-items: center; gap: 24px; }
.audience-links a, .utility-actions a, .utility-icon, .country-label { color: var(--muted); font-size: 12px; font-weight: 700; text-decoration: none; }
.audience-links a.active, .audience-links a:hover, .utility-actions a:hover { color: var(--teal-dark); }
.utility-actions { display: flex; align-items: center; gap: 21px; margin-left: auto; }
.utility-icon { display: inline-flex; align-items: center; gap: 7px; padding: 0; border: 0; background: transparent; }
.utility-actions .ph-user { margin-right: 3px; color: var(--teal-dark); }
.country-label { display: inline-flex; align-items: center; gap: 8px; }
.flag-mark { display: inline-block; width: 24px; height: 12px; object-fit: cover; }
.primary-bar { background: var(--white); }
.primary-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 62px; gap: 28px; }
.main-nav { display: flex; align-items: center; gap: 30px; }
.main-nav > a, .nav-menu summary { color: var(--muted); font-size: 13px; font-weight: 750; text-decoration: none; cursor: pointer; }
.main-nav > a:hover, .main-nav > a.active, .nav-menu summary:hover, .nav-menu[open] summary { color: var(--blue); }
.nav-menu { position: relative; }
.nav-menu summary { display: flex; align-items: center; gap: 6px; list-style: none; }
.nav-menu summary::-webkit-details-marker { display: none; }
.nav-menu summary i { font-size: 9px; }
.nav-popover { position: absolute; top: calc(100% + 22px); left: -18px; width: 220px; padding: 10px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); box-shadow: var(--shadow); }
.nav-popover a { display: block; padding: 11px 10px; color: var(--muted); font-size: 12px; font-weight: 700; text-decoration: none; }
.nav-popover a:hover { color: var(--blue); background: var(--soft-blue); }
.nav-toggle { display: inline-flex; align-items: center; justify-content: center; width: 42px; height: 42px; padding: 0; border: 0; color: var(--white); background: var(--teal-dark); }
.nav-toggle i { font-size: 21px; }

.button { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 46px; padding: 0 20px; border: 1px solid transparent; border-radius: 5px; font-size: 13px; font-weight: 800; text-decoration: none; transition: background .18s, border-color .18s, transform .18s, color .18s; }
.button:hover { transform: translateY(-1px); }
.button-primary { color: var(--white); background: var(--coral); border-color: var(--coral); }
.button-primary:hover { background: var(--coral-deep); border-color: var(--coral-deep); }
.button-teal { color: var(--white); background: var(--teal-dark); border-color: var(--teal-dark); }
.button-teal:hover { background: #0d6d68; border-color: #0d6d68; }
.button-ghost { color: var(--blue); background: transparent; border-color: var(--line); }
.button-ghost:hover { border-color: var(--coral); background: var(--white); }
.button-link { min-height: 0; padding: 0; border: 0; color: var(--blue); background: transparent; }
.button-link:hover { color: var(--teal-dark); }
.button i { font-size: 13px; }
.primary-cta { min-height: 40px; padding-inline: 17px; font-size: 12px; }

.hero { position: relative; min-height: 530px; display: flex; align-items: stretch; overflow: hidden; background-color: #617277; background-image: url("hero-african.webp"); background-size: cover; background-position: center; }
.hero::before { content: ""; position: absolute; inset: 0; background: rgba(7, 32, 40, .34); }
.hero-grid { position: relative; z-index: 1; display: flex; align-items: center; width: min(var(--shell), calc(100% - 48px)); }
.hero-copy { width: 100%; max-width: 570px; min-width: 0; color: var(--white); }
.hero .eyebrow { color: var(--white); }
.eyebrow { display: flex; align-items: center; gap: 0; margin-bottom: 18px; color: var(--teal-dark); font-size: 11px; font-weight: 850; letter-spacing: .14em; text-transform: uppercase; }
.eyebrow-dot { display: none; }
h1, h2, h3, p { margin-top: 0; }
h1 { max-width: 650px; margin-bottom: 21px; color: var(--blue-deep); font-size: clamp(42px, 5.3vw, 70px); line-height: .98; letter-spacing: -.065em; }
.hero h1 { max-width: 620px; margin-bottom: 20px; color: var(--white); font-size: clamp(48px, 6.2vw, 82px); line-height: .98; }
h2 { margin-bottom: 14px; color: var(--blue-deep); font-size: clamp(30px, 4vw, 48px); line-height: 1.02; letter-spacing: -.06em; }
h3 { margin-bottom: 8px; color: var(--blue-deep); font-size: 18px; letter-spacing: -.025em; }
.loan-card h2 { margin-bottom: 8px; color: var(--blue-deep); font-size: 18px; letter-spacing: -.025em; line-height: normal; }
.step-card h2 { margin-bottom: 8px; font-size: 18px; letter-spacing: -.025em; line-height: normal; }
.application-card > h1 { font-size: clamp(24px, 4vw, 32px); letter-spacing: -.025em; }
.hero-copy p { max-width: 430px; margin-bottom: 0; color: rgba(255,255,255,.9); font-size: 17px; line-height: 1.55; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 31px; }
.overlap-section { position: relative; z-index: 2; margin-top: 0; padding: 0 0 30px; background: var(--white); }
.overlap-section .intro-card { position: relative; margin-bottom: -64px; transform: translateY(-64px); }
.overlap-section .intro-card:hover { transform: translateY(-68px); }
.intro-card { display: grid; grid-template-columns: 1.05fr .95fr; gap: 55px; align-items: center; padding: 46px 56px; border-radius: var(--radius); background: var(--white); box-shadow: 0 22px 45px rgba(7, 63, 67, .11); transition: transform .2s ease, box-shadow .2s ease; }
.intro-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-hover); }
.hero-copy, .intro-card > *, .section-heading > *, .criteria-band > *, .rate-panel > *, .callout > * { min-width: 0; }
.intro-card h2 { margin-bottom: 0; }
.intro-card p { margin: 0; color: var(--muted); font-size: 15px; line-height: 1.7; }

.section { padding: 94px 0; }
.section-light { background: var(--white); }
.section-soft { background: var(--canvas); }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 40px; }
.section-heading p { max-width: 350px; margin: 0; color: var(--muted); font-size: 14px; line-height: 1.6; }
.section-heading h2 { margin-bottom: 0; }
.path-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.path-card { display: grid; grid-template-columns: 76px minmax(0, 1fr); grid-template-rows: auto 1fr auto; column-gap: 22px; min-width: 0; min-height: 220px; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); color: inherit; background: var(--white); box-shadow: var(--shadow); text-decoration: none; transition: border-color .18s, transform .18s, box-shadow .18s; }
.path-card:hover { border-color: var(--teal); box-shadow: var(--shadow-hover); transform: translateY(-4px) scale(1.01); }
.path-icon { display: flex; align-items: flex-start; justify-content: flex-start; grid-row: 1 / span 3; width: 76px; height: 76px; margin: 0; border-radius: 0; color: var(--teal-dark); background: transparent; }
.path-icon i { font-size: 48px; line-height: 1; }
.path-card h3 { margin-bottom: 7px; }
.path-card p { max-width: 270px; margin-bottom: 18px; color: var(--muted); font-size: 13px; line-height: 1.55; }
.text-link { color: var(--blue); font-size: 12px; font-weight: 850; }
.text-link i { margin-left: 6px; font-size: 10px; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.step-card { min-height: 215px; padding: 25px; border: 1px solid var(--line); border-top: 3px solid var(--teal); border-radius: var(--radius); background: var(--canvas); box-shadow: var(--shadow); transition: transform .18s ease, box-shadow .18s ease; }
.step-card:hover { transform: translateY(-4px) scale(1.01); box-shadow: var(--shadow-hover); }
.step-card-number { margin-bottom: 46px; color: var(--teal-dark); font-size: 13px; font-weight: 850; }
.step-card p { max-width: 240px; margin: 0; color: var(--muted); font-size: 13px; line-height: 1.55; }
.criteria-band { display: grid; grid-template-columns: 1.05fr .95fr; gap: 70px; align-items: center; }
.criteria-band p { max-width: 520px; color: var(--muted); font-size: 15px; line-height: 1.7; }
.criteria-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 11px; padding: 0; margin: 0; list-style: none; }
.criteria-list li { display: flex; align-items: center; gap: 13px; padding: 16px 18px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); color: var(--blue-deep); font-size: 13px; font-weight: 750; box-shadow: var(--shadow); transition: transform .18s ease, box-shadow .18s ease; }
.criteria-list li:hover { transform: translateY(-3px) scale(1.01); box-shadow: var(--shadow-hover); }
.criteria-list i { width: 24px; color: var(--teal-dark); font-size: 22px; text-align: center; }
.criteria-note { margin-top: 20px; color: var(--muted); font-size: 12px; }
.rate-panel { display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: center; padding: 40px 44px; border-radius: var(--radius); background: var(--teal-dark); box-shadow: var(--shadow); }
.rate-panel h2 { max-width: 560px; margin-bottom: 0; color: var(--white); font-size: clamp(29px, 4vw, 44px); }
.rate-panel p { max-width: 500px; margin: 12px 0 0; color: rgba(255,255,255,.72); font-size: 13px; line-height: 1.6; }
.callout { display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: center; padding: 42px 48px; border-radius: var(--radius); background: var(--soft-teal); box-shadow: var(--shadow); }
.callout h2 { max-width: 560px; margin: 0; font-size: clamp(29px, 4vw, 47px); }

.page-hero { padding: 72px 0 65px; background: var(--white); border-bottom: 1px solid var(--line); }
.page-hero h1 { max-width: 760px; margin-bottom: 16px; font-size: clamp(40px, 5vw, 65px); }
.page-hero p { max-width: 620px; margin: 0; color: var(--muted); font-size: 16px; line-height: 1.65; }
.content-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 70px; align-items: start; }
.content-copy p { color: var(--muted); font-size: 15px; line-height: 1.7; }
.content-copy p + p { margin-top: 18px; }
.info-list { display: grid; gap: 12px; padding: 0; margin: 0; list-style: none; }
.info-list li { display: grid; grid-template-columns: 32px 1fr; gap: 12px; align-items: start; padding: 18px 0; border-top: 1px solid var(--line); }
.info-list li:last-child { border-bottom: 1px solid var(--line); }
.info-index { display: grid; place-items: center; width: 32px; height: 32px; border: 1px solid var(--teal); border-radius: 50%; color: var(--teal-dark); font-size: 10px; font-weight: 800; }
.info-index i { font-size: 16px; }
.info-list strong { display: block; margin-bottom: 4px; color: var(--blue-deep); font-size: 14px; }
.info-list span span { color: var(--muted); font-size: 12px; line-height: 1.5; }
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.loan-card { display: grid; grid-template-columns: 76px minmax(0, 1fr); grid-template-rows: auto 1fr auto; column-gap: 22px; min-width: 0; min-height: 220px; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.loan-card:hover { border-color: var(--teal); box-shadow: var(--shadow-hover); transform: translateY(-4px) scale(1.01); }
.loan-card .path-icon { grid-row: 1 / span 3; margin: 0; }
.loan-card p { color: var(--muted); font-size: 13px; line-height: 1.6; }
.loan-card a { color: var(--blue); font-size: 12px; font-weight: 800; text-decoration: none; }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; }
.contact-details { display: grid; gap: 20px; }
.contact-detail { padding-top: 18px; border-top: 1px solid var(--line); }
.contact-detail strong { display: block; margin-bottom: 5px; color: var(--blue-deep); font-size: 13px; }
.contact-detail span, .contact-detail a { color: var(--muted); font-size: 13px; line-height: 1.5; text-decoration: none; }
.faq-list { display: grid; gap: 1px; border-top: 1px solid var(--line); }
.faq-list details { padding: 20px 0; border-bottom: 1px solid var(--line); }
.faq-list summary { display: flex; justify-content: space-between; gap: 25px; color: var(--blue-deep); font-size: 14px; font-weight: 800; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary i { color: var(--teal-dark); }
.faq-list details p { max-width: 690px; margin: 14px 0 0; color: var(--muted); font-size: 13px; line-height: 1.65; }

.application-wrap { padding: 56px 0 78px; }
.application-card { max-width: 820px; margin: 0 auto; padding: clamp(28px, 6vw, 62px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.progress-row { display: flex; align-items: center; gap: 16px; margin-bottom: 46px; }
.phase-pills { display: flex; flex: 1; gap: 8px; min-width: 0; }
.phase-pill { flex: 1; height: 8px; border-radius: 999px; background: var(--soft-blue); transition: background .25s ease, transform .25s ease; }
.phase-pill.is-complete { background: var(--teal-dark); }
.phase-pill.is-current { background: var(--teal); transform: scaleY(1.25); }
.step-count { color: var(--muted); font-size: 12px; font-weight: 750; white-space: nowrap; }
.form-step { display: none; animation: reveal .25s ease both; }
.form-step.active { display: block; min-width: 0; }
@keyframes reveal { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.form-intro { margin-bottom: 34px; }
.form-intro h2 { max-width: 560px; margin-bottom: 12px; font-size: clamp(30px, 4vw, 46px); }
.form-intro p { max-width: 510px; margin: 0; color: var(--muted); font-size: 14px; line-height: 1.6; }
.field-label { display: flex; justify-content: space-between; gap: 16px; min-width: 0; margin-bottom: 9px; color: var(--ink); font-size: 13px; font-weight: 800; }
.field-hint { color: var(--muted); font-weight: 500; }
.amount-wrap { position: relative; max-width: 520px; }
.currency { position: absolute; left: 18px; top: 50%; transform: translateY(-52%); color: var(--muted); font-size: 19px; font-weight: 800; pointer-events: none; }
.amount-input, .text-input { width: 100%; min-width: 0; max-width: 100%; border: 1px solid var(--line); color: var(--blue-deep); background: #fcfefe; outline: none; }
.amount-input { padding: 20px 18px 20px 50px; border-radius: 5px; font-size: 32px; font-weight: 800; letter-spacing: -.05em; }
.text-input { padding: 15px 16px; border-radius: 5px; font-size: 14px; }
.amount-input:focus, .text-input:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(16, 88, 106, .09); }
.amount-input::placeholder, .text-input::placeholder { color: #b7c7ca; }
.quick-amounts { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.quick-amount { padding: 8px 12px; border: 1px solid var(--line); border-radius: 100px; color: var(--blue); background: var(--white); font-size: 12px; font-weight: 750; }
.quick-amount:hover { border-color: var(--teal); background: var(--soft-teal); }
.choice-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; max-width: 600px; }
.choice-card { position: relative; display: grid; grid-template-columns: 56px minmax(0, 1fr); grid-template-rows: auto auto; align-items: center; column-gap: 14px; min-width: 0; min-height: 128px; padding: 20px; border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); text-align: left; background: var(--white); box-shadow: var(--shadow); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.choice-card:hover, .choice-card.selected { border-color: var(--coral); }
.choice-card:hover { transform: translateY(-4px) scale(1.02); box-shadow: var(--shadow-hover); }
.choice-card.selected { border-width: 2px; padding: 17px; background: var(--soft-blue); }
.choice-icon { display: grid; grid-row: 1 / span 2; place-items: center; width: 52px; height: 52px; border-radius: 0; color: var(--teal-dark); background: transparent; }
.choice-icon i { font-size: 36px; line-height: 1; }
.choice-card strong { display: block; margin-bottom: 4px; color: var(--blue-deep); font-size: 14px; }
.choice-card span { color: var(--muted); font-size: 12px; line-height: 1.45; }
.choice-check { position: absolute; top: 13px; right: 13px; display: grid; place-items: center; width: 19px; height: 19px; border: 1px solid var(--line); border-radius: 50%; color: transparent; }
.choice-card.selected .choice-check { border-color: var(--coral); color: var(--white); background: var(--coral); }
.choice-check i { font-size: 10px; }
.field-stack { display: grid; gap: 19px; max-width: 560px; }
.review-box { max-width: 600px; overflow: hidden; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); }
.review-row { display: flex; justify-content: space-between; gap: 20px; padding: 15px 17px; border-bottom: 1px solid var(--line); }
.review-row:last-child { border-bottom: 0; }
.review-row span { color: var(--muted); font-size: 12px; }
.review-row strong { color: var(--blue-deep); font-size: 13px; text-align: right; }
.form-actions { display: flex; flex-direction: column; align-items: stretch; gap: 8px; margin-top: 24px; }
#nextBtn { margin-left: auto; }
.form-error { min-height: 18px; margin-top: 11px; color: var(--danger); font-size: 12px; font-weight: 700; }
.success { display: none; padding: 30px 0 10px; text-align: center; }
.success.active { display: block; }
.success-mark { display: grid; place-items: center; width: 54px; height: 54px; margin: 0 auto 20px; color: var(--white); background: var(--teal-dark); }
.success-mark i { font-size: 24px; }
.success p { max-width: 420px; margin: 0 auto; color: var(--muted); font-size: 14px; line-height: 1.6; }
.success .button { margin-top: 24px; }


.site-footer { padding: 54px 0 24px; color: rgba(255,255,255,.72); background: var(--blue-deep); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 38px; padding-bottom: 46px; }
.footer-brand img { width: 170px; }
.footer-brand p { max-width: 240px; margin: 18px 0 0; font-size: 12px; line-height: 1.6; }
.footer-col h3 { margin-bottom: 14px; color: var(--white); font-size: 11px; letter-spacing: .12em; text-transform: uppercase; }
.footer-col .footer-heading { margin-bottom: 14px; color: var(--white); font-size: 11px; line-height: normal; letter-spacing: .12em; text-transform: uppercase; }
.footer-col a { display: block; margin: 9px 0; color: rgba(255,255,255,.72); font-size: 12px; text-decoration: none; }
.footer-col a:hover { color: var(--teal); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.18); font-size: 11px; }

@media (max-width: 960px) {
  .utility-wrap { gap: 20px; }
  .audience-links { gap: 15px; }
  .utility-actions { gap: 14px; }
  .main-nav { gap: 17px; }
  .criteria-band, .content-grid, .contact-grid { grid-template-columns: 1fr; gap: 38px; }
  .footer-grid { grid-template-columns: 1.5fr repeat(2, 1fr); }
  .footer-col:last-child { grid-column: 2; }
}
@media (max-width: 640px) {
  .shell { width: calc(100% - 30px); max-width: 540px; }
  .utility-wrap { min-height: 68px; }
  .brand img { width: 135px; }
  .audience-links, .utility-actions > a, .utility-icon, .country-label { display: none; }
  .utility-actions { margin-left: auto; }
  .primary-wrap { min-height: 0; }
  .main-nav { display: none; }
  .primary-cta { display: none; }
  .main-nav.open { position: absolute; z-index: 5; top: 68px; left: 15px; right: 15px; display: grid; gap: 0; padding: 8px 18px 16px; border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow); }
  .main-nav.open > a, .main-nav.open .nav-menu summary { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .main-nav.open .nav-menu[open] .nav-popover { position: static; width: auto; padding: 0 0 5px 12px; border: 0; box-shadow: none; }
  .hero { min-height: 520px; }
  .hero-grid { width: calc(100% - 30px); max-width: none; padding-inline: 0; }
  .hero-copy p { width: 100%; max-width: 320px; }
  .hero h1 { font-size: clamp(43px, 13vw, 66px); }
  .overlap-section .intro-card { margin-bottom: -40px; transform: translateY(-40px); }
  .overlap-section .intro-card:hover { transform: translateY(-44px); }
  .intro-card { width: calc(100vw - 30px); grid-template-columns: 1fr; gap: 18px; padding: 30px 24px; }
  .intro-card p { width: 100%; max-width: 300px; }
  .path-grid, .steps-grid, .loan-grid { grid-template-columns: 1fr; }
  .path-card, .loan-card { grid-template-columns: 60px 1fr; column-gap: 16px; min-height: 180px; padding: 24px; }
  .path-icon { width: 60px; height: 60px; margin-bottom: 0; }
  .path-icon i { font-size: 40px; }
  .section { padding: 64px 0; }
  .section-heading { display: block; margin-bottom: 28px; }
  .section-heading p { margin-top: 14px; }
  .criteria-list { grid-template-columns: 1fr; }
  .rate-panel { display: block; padding: 30px 24px; }
  .rate-panel .button { margin-top: 24px; }
  .callout { display: block; padding: 30px 24px; }
  .callout .button { margin-top: 24px; }
  .page-hero { padding: 54px 0 45px; }
  .application-wrap { padding: 32px 0 54px; }
  .application-card { padding: 28px 22px 34px; }
  .choice-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px 20px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-col:last-child { grid-column: auto; }
  .footer-bottom { display: block; }
  .footer-bottom span { display: block; margin-top: 5px; }
}



.breadcrumbs { padding-block: 18px; font-size: 13px; color: var(--muted); }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 10px; margin: 0; padding: 0; list-style: none; }
.breadcrumbs li + li::before { content: "/"; margin-right: 10px; }
.breadcrumbs a { text-underline-offset: 3px; }
.reading-copy { max-width: 860px; }
.reading-copy h3 { margin-top: 28px; }
.reading-copy a, .application-help a { text-underline-offset: 3px; }
.application-help { font-size: 13px; line-height: 1.6; }
.city-label { margin-top: 20px; }
.consent-label { display: flex; align-items: flex-start; gap: 10px; max-width: 600px; margin-top: 20px; color: var(--muted); font-size: 12px; line-height: 1.6; }
.consent-label input { flex: 0 0 auto; width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--teal-dark); }
.submission-status { color: var(--muted); font-size: 12px; line-height: 1.6; margin-block: 8px 0; }
.submission-status:empty { display: none; }
.success .request-reference { margin-top: 18px; font-size: 11px; overflow-wrap: anywhere; }
button:disabled { opacity: .6; cursor: wait; }
.application-wrap > .breadcrumbs { display: none; }
.footer-brand img { height: auto; }
.footer-col > span { display: block; margin-top: 9px; font-size: 12px; line-height: 1.6; }
.nav-toggle { display: none; }
@media (max-width: 960px) and (min-width: 641px) {
  .path-grid, .loan-grid, .steps-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .nav-toggle { display: inline-flex; }
  .text-input { font-size: 16px; }
  .main-nav > a, .nav-popover a { min-height: 44px; }
  .application-card .breadcrumbs { padding-block: 0 12px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

/* Finishing touches: clear form actions and simple process cards. */
.field-help { margin: 10px 0 0; color: var(--muted); font-size: 13px; line-height: 1.6; }
.step-card { border: 1px solid var(--line); border-radius: 16px; background: var(--white); box-shadow: 0 8px 28px rgba(7,63,67,.09); }
.step-card:hover { transform: translateY(-5px); box-shadow: 0 18px 40px rgba(7,63,67,.16); }
.step-card-top { display: flex; justify-content: space-between; align-items: center; gap: 20px; margin-bottom: 32px; }
.step-card-top > i { color: var(--teal-dark); font-size: 40px; line-height: 1; }
.step-card-top .step-card-number { margin: 0; color: var(--muted); font-size: 12px; font-weight: 600; }
.step-card p { max-width: 32ch; }

/* Keep the enquiry in document flow so browser toolbars cannot trap its actions. */
body[data-page="apply"] { background: var(--canvas); }
body[data-page="apply"] .site-header, body[data-page="apply"] .site-footer { display: none; }
.application-wrap { min-height: 100vh; min-height: 100svh; padding: 56px 0 72px; }
.application-layout { display: grid; grid-template-columns: minmax(260px, .8fr) minmax(0, 1.45fr); gap: clamp(36px, 5vw, 76px); align-items: start; }
.application-intro { min-width: 0; padding-top: 8px; }
.application-brand img { width: 164px; }
.application-intro .breadcrumbs { padding-block: 32px 24px; font-size: 12px; }
.application-intro h1 { max-width: 420px; margin-bottom: 20px; font-size: clamp(34px, 3.5vw, 48px); line-height: 1.08; letter-spacing: -.045em; }
.application-description { max-width: 34ch; margin-bottom: 30px; color: var(--muted); font-size: 15px; line-height: 1.7; }
.application-outline { display: grid; gap: 24px; margin: 0 0 32px; padding: 0; list-style: none; }
.application-outline li { display: flex; align-items: flex-start; gap: 16px; color: var(--muted); font-size: 13px; line-height: 1.6; }
.application-outline i { flex: 0 0 28px; padding-top: 2px; color: var(--teal-dark); font-size: 26px; }
.application-outline strong { display: block; margin-bottom: 3px; color: var(--ink); font-size: 14px; }
.application-support { display: block; margin-bottom: 24px; padding-top: 24px; border-top: 1px solid var(--line); text-decoration: none; }
.application-support span { display: block; margin-bottom: 8px; color: var(--muted); font-size: 12px; }
.application-support strong { display: flex; align-items: center; gap: 18px; color: var(--teal-dark); font-size: 18px; }
.application-help { margin-bottom: 0; color: var(--muted); }
.application-help a { color: var(--teal-dark); }
.application-card { width: 100%; max-width: none; min-width: 0; margin: 0; padding: clamp(28px, 3.5vw, 48px); border: 1px solid var(--line); border-radius: 20px; background: var(--white); box-shadow: var(--shadow); }
.application-card .progress-row { margin-bottom: 32px; }
.application-card .form-intro { margin-bottom: 24px; }
.application-card .form-intro .eyebrow { margin-bottom: 12px; }
.application-card .form-intro h2 { margin-bottom: 0; font-size: clamp(28px, 3vw, 38px); line-height: 1.12; }
.application-card .form-step { scroll-margin-block: 24px; }
.application-card .form-step h2:focus, .application-card .success h2:focus { outline: none; }
.application-card .amount-wrap, .application-card .field-stack, .application-card .choice-grid, .application-card .review-box, .application-card .consent-label { width: 100%; max-width: none; }
.application-card .field-stack { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.application-card .field-stack > :only-child { grid-column: 1 / -1; }
.application-card .form-error:empty { display: none; }
.application-card .review-row strong { min-width: 0; overflow-wrap: anywhere; }
.application-card .review-row > span { flex: 0 0 90px; }
.application-card .choice-card { box-shadow: none; transform: none; }
.application-card .choice-card:hover, .application-card .choice-card.selected { border-color: var(--teal-dark); box-shadow: none; transform: none; }
.application-card .choice-card.selected { padding: 19px; background: var(--soft-teal); }
.application-card .choice-card.selected .choice-check { color: var(--white); background: var(--teal-dark); border-color: var(--teal-dark); }
.application-card .button-primary { color: var(--white); background: var(--teal-dark); border-color: var(--teal-dark); }
.application-card .button-primary:hover { background: #0d6d68; border-color: #0d6d68; }
.application-card #backBtn { align-self: flex-start; min-height: 44px; padding-inline: 0; }
.application-card #nextBtn { width: 100%; min-height: 60px; margin: 0; padding: 18px 24px; justify-content: space-between; font-size: 16px; scroll-margin-block: 32px 160px; }
@media (min-width: 1024px) {
  .application-card #collateralChoices, .application-card #incomeFields { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .application-card .choice-card { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; min-height: 156px; }
  .application-card .choice-icon { margin-bottom: 8px; }
}
@media (max-width: 960px) {
  .application-wrap { padding-top: 28px; }
  .application-layout { grid-template-columns: minmax(0, 1fr); max-width: 700px; gap: 28px; }
  .application-intro { padding: 0; }
  .application-intro h1 { max-width: none; font-size: 30px; }
  .application-intro .breadcrumbs { padding-block: 22px 16px; }
  .application-description, .application-guidance { display: none; }
  .application-card .field-stack { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  body[data-page="apply"] { background: var(--white); }
  .application-wrap { padding: 20px 0 calc(144px + env(safe-area-inset-bottom, 0px)); }
  .application-layout { width: calc(100% - 40px); gap: 26px; }
  .application-brand img { width: 140px; }
  .application-intro h1 { margin-bottom: 12px; font-size: 26px; }
  .application-card { padding: 0; border: 0; border-radius: 0; box-shadow: none; }
  .application-card .progress-row { gap: 16px; margin-bottom: 24px; }
  .application-card .form-intro h2 { font-size: 29px; }
  .application-card .choice-card { min-height: 104px; }
  .application-card .consent-label { font-size: 13px; }
  .application-card .form-actions { margin-top: 20px; }
  .application-card #nextBtn { min-height: 58px; }
}
@media (max-width: 960px) and (pointer: coarse), (max-height: 540px) and (pointer: coarse) {
  .application-wrap { padding-bottom: calc(144px + env(safe-area-inset-bottom, 0px)); }
}

/* Five clear products; every selection remains readable on phones. */
.application-card .loan-type-choices { grid-template-columns: 1fr; }
.application-card .loan-type-choices .choice-card { display: grid; grid-template-columns: 48px minmax(0,1fr); column-gap: 14px; min-height: 100px; padding-right: 36px; }
.application-card .loan-type-choices .choice-icon { margin: 0; width: 44px; }
.application-card .loan-type-choices .choice-card.selected { padding: 19px 35px 19px 19px; }
.success .success-next { margin-top: 24px; }

/* Five distinct products, balanced across wider screens. */
.loan-options-grid { grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); }