/* ==========================================================================
   Platinum Finance Advisory — shared stylesheet
   Palette: white / navy / gold — light corporate finance theme
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --bg: #ffffff;
  --bg-alt: #f6f6f3;
  --bg-card: #ffffff;
  --bg-card-2: #f1f0ec;
  --border: #e2e0d8;
  --border-strong: #cfccc0;

  --navy: #0d1f3c;
  --navy-bright: #16305c;
  --navy-dim: #24406b;

  --gold: #ab7d1f;
  --gold-bright: #c99a2e;
  --gold-dim: #8a6418;

  --text: #1b2434;
  --text-muted: #5c6577;
  --text-faint: #8791a0;

  --platinum: #4a5568;
  --platinum-bright: #2d3748;
  --platinum-dim: #718096;

  --pending: #b3540f;
  --success: #1f7a43;

  --radius: 8px;
  --shadow-sm: 0 1px 3px rgba(13,34,64,.08);
  --shadow-md: 0 10px 28px rgba(13,34,64,.12);
  --shadow-lg: 0 20px 48px rgba(13,34,64,.18);
  --max-width: 1160px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4 {
  margin: 0 0 .5em;
  line-height: 1.25;
  color: var(--navy);
  font-family: var(--font-serif);
  font-weight: 700;
  letter-spacing: .002em;
}
p { margin: 0 0 1em; color: var(--text); }
strong { color: var(--text); }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 80px 0; }
.section--tight { padding: 48px 0; }
.section--alt { background: var(--bg-alt); }
.section--navy { background: var(--navy); color: #fff; }
.section--navy h2, .section--navy h3 { color: var(--gold-bright); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: var(--font);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold-dim);
  background: rgba(171,125,31,.1);
  border: 1px solid rgba(171,125,31,.32);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold-bright);
  box-shadow: 0 0 6px rgba(201,154,46,.8);
  flex-shrink: 0;
}
.hero .eyebrow, .page-hero .eyebrow {
  color: var(--gold-bright);
  background: rgba(201,154,46,.14);
  border-color: rgba(201,154,46,.4);
}

.section-head { max-width: 640px; margin: 0 auto 44px; text-align: center; }
.section-head h2 { font-size: clamp(26px, 3.2vw, 34px); }
.section-head h2::after {
  content: "";
  display: block;
  width: 44px;
  height: 2px;
  background: var(--gold-dim);
  margin: 16px auto 0;
}
.section-head p { color: var(--text-muted); margin-top: 16px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 4px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 14.5px;
  letter-spacing: .01em;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease, border-color .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary {
  background: var(--gold-bright);
  color: var(--navy);
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(171,125,31,.28);
}
.btn-primary::after {
  content: "";
  position: absolute; top: 0; left: -60%;
  width: 40%; height: 100%;
  background: linear-gradient(115deg, transparent, rgba(255,255,255,.45), transparent);
  transform: skewX(-20deg);
  transition: left .5s ease;
}
.btn-primary:hover::after { left: 130%; }
.btn-primary:hover { background: var(--gold); box-shadow: 0 6px 20px rgba(171,125,31,.4); }
.btn-outline { background: transparent; border-color: var(--gold-dim); color: var(--gold-dim); }
.btn-outline:hover { background: rgba(171,125,31,.06); border-color: var(--gold); color: var(--navy); }
.btn-navy { background: var(--navy); color: #ffffff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-bright); box-shadow: var(--shadow-md); }
.btn-accent { background: transparent; color: var(--platinum); border-color: var(--border-strong); }
.btn-accent:hover { border-color: var(--platinum-dim); background: rgba(74,85,104,.05); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: not-allowed; transform: none; }

/* ---------- Top contact bar ---------- */
.top-bar { background: var(--navy); border-bottom: 1px solid var(--navy-dim); padding: 9px 0; }
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px 24px; }
.top-bar-contact { display: flex; gap: 24px; flex-wrap: wrap; }
.top-bar a { font-size: 12.5px; font-weight: 500; color: rgba(255,255,255,.8); }
.top-bar a:hover { color: var(--gold-bright); }
.top-bar .label { color: rgba(255,255,255,.4); margin-right: 5px; }
.top-bar-note { font-size: 12px; color: rgba(255,255,255,.5); letter-spacing: .01em; }
@media (max-width: 620px) { .top-bar-note { display: none; } }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .25s ease, background .25s ease;
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, .88);
  box-shadow: 0 8px 24px rgba(13,31,60,.1);
}
.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--max-width);
  margin: 0 auto;
}
.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  font-family: var(--font-serif);
  font-weight: 800;
  font-size: 27px;
  letter-spacing: .02em;
  text-transform: uppercase;
  color: var(--gold);
}
.brand .mark {
  font-family: var(--font);
  width: 46px; height: 46px;
  border-radius: 5px;
  background: var(--bg-card);
  border: 1.5px solid var(--gold-dim);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-weight: 700;
  font-size: 21px;
  flex-shrink: 0;
}
.mark-logo { object-fit: contain; padding: 5px; }
@media (max-width: 480px) { .brand { font-size: 20px; gap: 10px; } .brand .mark { width: 38px; height: 38px; font-size: 17px; } }
.brand-name--glow {
  color: var(--gold-bright);
  animation: brandNameGlow 2.6s ease-in-out infinite alternate;
}
.mark--glow {
  animation: brandMarkGlow 2.6s ease-in-out infinite alternate;
}
@keyframes brandNameGlow {
  0% { text-shadow: 0 0 3px rgba(201,154,46,.25), 0 0 7px rgba(201,154,46,.12); }
  100% { text-shadow: 0 0 8px rgba(201,154,46,.9), 0 0 18px rgba(201,154,46,.6), 0 0 32px rgba(201,154,46,.35); }
}
@keyframes brandMarkGlow {
  0% { box-shadow: 0 0 3px rgba(201,154,46,.2); border-color: var(--gold-dim); }
  100% { box-shadow: 0 0 10px rgba(201,154,46,.7), 0 0 20px rgba(201,154,46,.4); border-color: var(--gold-bright); }
}
@media (prefers-reduced-motion: reduce) {
  .brand-name--glow, .mark--glow { animation: none; }
}
.brand .tagline {
  display: block;
  font-family: var(--font);
  font-size: 11px;
  font-weight: 600;
  color: var(--text-faint);
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-top: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}
.nav-links a {
  font-family: var(--font);
  font-weight: 500;
  font-size: 14px;
  color: var(--text-muted);
  padding: 6px 2px;
  border-bottom: 1.5px solid transparent;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active { color: var(--navy); border-color: var(--gold); }

.nav-actions { display: flex; align-items: center; gap: 14px; }
.nav-cta { padding: 10px 22px; font-size: 13.5px; }
.nav-cta-mobile { display: none; }

.nav-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  width: 40px; height: 40px;
  align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle::before, .nav-toggle::after {
  content: ""; display: block; width: 22px; height: 1.5px; background: var(--navy);
  position: relative; transition: all .2s ease;
}
.nav-toggle::before { transform: translateY(-7px); position: absolute; }
.nav-toggle::after { transform: translateY(7px); position: absolute; }

@media (max-width: 880px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    max-height: 0;
    overflow: hidden;
    transition: max-height .25s ease;
  }
  .nav-links.open { max-height: 480px; }
  .nav-links a { width: 100%; padding: 14px 24px; border-bottom: 1px solid var(--border); }
  .nav-cta-mobile { display: block; padding: 16px 24px; }
  .nav-actions .nav-cta { display: none; }
}

/* ---------- Hero (dark navy, bookends with footer) ---------- */
.hero {
  --mx: 50%; --my: 40%;
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle, rgba(255,255,255,.05) 1px, transparent 1.4px) 0 0/26px 26px,
              radial-gradient(1100px 480px at 82% -12%, rgba(201,154,46,.14), transparent),
              radial-gradient(800px 420px at 6% 108%, rgba(90,130,200,.14), transparent),
              linear-gradient(160deg, var(--navy), var(--navy-bright) 60%, var(--navy));
  color: #ffffff;
  padding: 96px 0 100px;
  border-bottom: 1px solid var(--navy-dim);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(420px circle at var(--mx) var(--my), rgba(201,154,46,.18), transparent 70%);
  pointer-events: none;
  z-index: 0;
}
.hero::after {
  content: "";
  position: absolute;
  top: -25%; right: -5%;
  width: 50%; height: 130%;
  background: radial-gradient(circle, rgba(201,154,46,.32) 0%, rgba(201,154,46,.1) 45%, transparent 72%);
  filter: blur(10px);
  animation: heroAmbientGlow 6s ease-in-out infinite alternate;
  pointer-events: none;
  z-index: 0;
}
@keyframes heroAmbientGlow {
  0% { transform: scale(.85); opacity: .55; }
  100% { transform: scale(1.15); opacity: 1; }
}
@media (prefers-reduced-motion: reduce) {
  .hero::after { animation: none; }
}
.hero-coins {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  width: 100%; height: 130px;
  opacity: .85;
  pointer-events: none;
}
.hero-coins svg { width: 100%; height: 100%; display: block; }
.hero-coins .coin-stack {
  transform-box: fill-box;
  transform-origin: bottom;
  animation: coinStackBob 3.6s ease-in-out infinite;
}
.hero-coins .coin-stack:nth-child(1) { animation-delay: 0s; }
.hero-coins .coin-stack:nth-child(2) { animation-delay: .5s; }
.hero-coins .coin-stack:nth-child(3) { animation-delay: 1s; }
.hero-coins .coin-stack:nth-child(4) { animation-delay: .5s; }
.hero-coins .coin-stack:nth-child(5) { animation-delay: 0s; }
.hero-coins .coin-shine {
  animation: coinShinePulse 2.4s ease-in-out infinite;
}
.hero-coins .coin-sparkle {
  transform-box: fill-box;
  transform-origin: center;
  animation: coinSparkleTwinkle 2.2s ease-in-out infinite;
}
.hero-coins .coin-stack:nth-child(2) .coin-sparkle { animation-delay: .4s; }
.hero-coins .coin-stack:nth-child(3) .coin-sparkle { animation-delay: .8s; }
.hero-coins .coin-stack:nth-child(4) .coin-sparkle { animation-delay: 1.2s; }
.hero-coins .coin-stack:nth-child(5) .coin-sparkle { animation-delay: 1.6s; }
@keyframes coinStackBob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}
@keyframes coinShinePulse {
  0%, 100% { opacity: .35; }
  50% { opacity: .95; }
}
@keyframes coinSparkleTwinkle {
  0%, 100% { opacity: 0; transform: scale(.4); }
  50% { opacity: 1; transform: scale(1); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-coins .coin-stack, .hero-coins .coin-shine, .hero-coins .coin-sparkle { animation: none; opacity: 1; }
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 880px) { .hero-grid { grid-template-columns: 1fr; } }
.hero h1 { color: #ffffff; font-size: clamp(32px, 4.4vw, 50px); }
.hero h1 .accent-text {
  color: var(--gold-bright);
  animation: accentTextGlow 3s ease-in-out infinite alternate;
}
@keyframes accentTextGlow {
  0% { text-shadow: 0 0 4px rgba(201,154,46,.25), 0 0 10px rgba(201,154,46,.12); }
  100% { text-shadow: 0 0 10px rgba(201,154,46,.85), 0 0 22px rgba(201,154,46,.5), 0 0 38px rgba(201,154,46,.3); }
}
.hero p.lead { color: rgba(255,255,255,.8); font-size: 17.5px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.hero-actions .btn-primary { animation: heroCtaPulse 2.6s ease-in-out infinite; }
@keyframes heroCtaPulse {
  0%, 100% { box-shadow: 0 6px 20px rgba(171,125,31,.35); }
  50% { box-shadow: 0 8px 30px rgba(201,154,46,.65), 0 0 18px rgba(201,154,46,.4); }
}
@media (prefers-reduced-motion: reduce) {
  .hero h1 .accent-text, .hero-actions .btn-primary { animation: none; }
}

.hero-trust { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 36px; }
.hero-trust li {
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 600; color: rgba(255,255,255,.85);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.16);
  padding: 8px 14px; border-radius: 3px;
  letter-spacing: .01em;
}
.hero-trust .dot { color: var(--gold-bright); font-weight: 700; }

.trust-ticker {
  background: var(--navy);
  border-bottom: 1px solid var(--navy-dim);
  overflow: hidden;
  padding: 15px 0;
}
.trust-ticker__track {
  display: flex;
  align-items: center;
  gap: 30px;
  width: max-content;
  animation: tickerScroll 26s linear infinite;
}
.trust-ticker:hover .trust-ticker__track { animation-play-state: paused; }
.trust-ticker__track span {
  color: rgba(255,255,255,.68);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  white-space: nowrap;
}
.trust-ticker__track .ticker-dot { color: var(--gold-bright); font-size: 9px; }
@keyframes tickerScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .trust-ticker__track { animation: none; }
}

.hero-card {
  position: relative;
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(24px) saturate(140%);
  -webkit-backdrop-filter: blur(24px) saturate(140%);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius);
  padding: 30px;
  color: #ffffff;
  box-shadow: 0 8px 32px rgba(0,0,0,.3), inset 0 1px 0 rgba(255,255,255,.15);
  transition: transform .3s ease, box-shadow .3s ease;
}
.hero-card-wrap { position: relative; }
.hero-card::before {
  content: "";
  position: absolute;
  inset: -18px;
  background: radial-gradient(circle at 50% 30%, rgba(201,154,46,.28), transparent 70%);
  filter: blur(18px);
  z-index: -1;
  border-radius: inherit;
}
.hero-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 50px rgba(0,0,0,.4), 0 0 0 1px rgba(201,154,46,.3), inset 0 1px 0 rgba(255,255,255,.2);
}
.hero-card h3 { font-size: 18px; color: #ffffff; }
.hero-card p { color: rgba(255,255,255,.7); }
.hero-card .field { margin-bottom: 14px; }
.hero-card label { color: rgba(255,255,255,.8); }
.hero-card input, .hero-card select {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.25);
  color: #ffffff;
}
.hero-card input::placeholder { color: rgba(255,255,255,.45); }
.hero-card select option { color: #111; }
.hero-card input:focus, .hero-card select:focus {
  border-color: var(--gold-bright);
  background: rgba(255,255,255,.14);
}

.hero-grid .eyebrow,
.hero-grid h1,
.hero-grid p.lead,
.hero-grid .hero-actions,
.hero-grid .hero-trust,
.hero-grid .hero-card {
  opacity: 0;
  animation: heroFadeUp .7s ease forwards;
}
.hero-grid .eyebrow { animation-delay: .05s; }
.hero-grid h1 { animation-delay: .15s; }
.hero-grid p.lead { animation-delay: .28s; }
.hero-grid .hero-actions { animation-delay: .4s; }
.hero-grid .hero-trust { animation-delay: .52s; }
.hero-grid .hero-card { animation-delay: .35s; }
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-grid .eyebrow, .hero-grid h1, .hero-grid p.lead,
  .hero-grid .hero-actions, .hero-grid .hero-trust, .hero-grid .hero-card {
    animation: none; opacity: 1;
  }
}

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-5 { grid-template-columns: repeat(5, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 960px) { .grid-5 { grid-template-columns: repeat(3, 1fr); } .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-5, .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.card:hover { box-shadow: 0 14px 32px rgba(171,125,31,.14), var(--shadow-md); transform: translateY(-3px); border-color: var(--gold-dim); }
.card .icon {
  width: 40px; height: 40px;
  border-radius: 3px;
  background: var(--bg-card-2);
  border: 1px solid var(--gold-dim);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; margin-bottom: 16px;
  color: var(--gold-dim);
  font-family: var(--font-serif);
  font-weight: 700;
}
.card .icon.icon--badge {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: radial-gradient(circle at 32% 28%, #f0d78c, #c99a2e 55%, #8a6418 100%);
  border: none;
  color: var(--navy);
  box-shadow: 0 4px 14px rgba(171,125,31,.35);
}
.card .icon.icon--badge svg { width: 22px; height: 22px; }
.card:hover .icon.icon--badge { box-shadow: 0 6px 20px rgba(201,154,46,.55); }
.card h3 { font-size: 18px; }
.card p { color: var(--text-muted); font-size: 14.5px; margin-bottom: 14px; }
.card .card-link { font-family: var(--font); font-weight: 600; font-size: 13.5px; color: var(--gold-dim); letter-spacing: .01em; }
.card .card-link:hover { color: var(--navy); }

.tag {
  display: inline-block;
  font-family: var(--font);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 3px;
  margin-bottom: 12px;
}
.tag--secured { background: rgba(171,125,31,.08); color: var(--gold-dim); border: 1px solid rgba(171,125,31,.35); }
.tag--unsecured { background: rgba(74,85,104,.08); color: var(--platinum-bright); border: 1px solid rgba(74,85,104,.3); }

/* ---------- Steps ---------- */
.step {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.step:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0;
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--bg-card);
  border: 1px solid var(--gold-dim);
  color: var(--navy);
  font-family: var(--font-serif);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
}
.step h4 { margin-bottom: 4px; font-size: 16.5px; color: var(--navy); font-family: var(--font); font-weight: 700; }
.step p { margin: 0; color: var(--text-muted); font-size: 14.5px; }

.process-grid { position: relative; }
.process-grid.reveal { opacity: 1; transform: none; transition: none; }
.process-grid::before {
  content: "";
  position: absolute;
  top: 28px;
  left: 12.5%; right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-dim) 12%, var(--gold-bright) 50%, var(--gold-dim) 88%, transparent);
  transform: scaleX(0);
  transform-origin: left;
}
.process-grid.is-visible::before { animation: processLineDraw 1.3s ease forwards; }
@keyframes processLineDraw { to { transform: scaleX(1); } }
@media (max-width: 960px) { .process-grid::before { display: none; } }
@media (prefers-reduced-motion: reduce) {
  .process-grid::before { transform: scaleX(1); animation: none; }
}
.process-grid .step-num {
  position: relative;
  z-index: 1;
  width: 56px; height: 56px;
  font-size: 20px;
  background: radial-gradient(circle at 32% 28%, #f0d78c, #c99a2e 55%, #8a6418 100%);
  border: none;
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(171,125,31,.4);
}

/* ---------- Tables ---------- */
.compare-table { width: 100%; border-collapse: collapse; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.compare-table th, .compare-table td { text-align: left; padding: 15px 18px; border-bottom: 1px solid var(--border); font-size: 14px; color: var(--text); }
.compare-table th { background: var(--navy); color: #ffffff; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--bg-card-2); }
.compare-table .hl-gold { color: var(--gold-dim); font-weight: 700; }
.compare-table .hl-accent { color: var(--platinum-bright); font-weight: 700; }
#repayments .compare-table tbody td:first-child { font-weight: 700; text-transform: uppercase; letter-spacing: .02em; }
.table-scroll { overflow-x: auto; }

/* ---------- Pending / placeholder content ---------- */
.pending {
  border: 1px dashed var(--pending);
  background: rgba(179,84,15,.05);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin: 18px 0;
}
.pending .pending-label {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--pending); margin-bottom: 8px;
}
.pending p { color: var(--text-muted); margin-bottom: 0; }
.pending p + p { margin-top: 8px; }

/* ---------- Forms ---------- */
label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: var(--text-muted); }
input, select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border-strong);
  border-radius: 4px;
  font-family: var(--font);
  font-size: 14.5px;
  background: var(--bg-card-2);
  color: var(--text);
  transition: border-color .15s ease;
}
input::placeholder, textarea::placeholder { color: var(--text-faint); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold-dim); }
textarea { resize: vertical; min-height: 110px; }
.field-error { color: var(--pending); font-size: 12.5px; margin-top: 4px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--pending); }
.field.invalid .field-error { display: block; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; }
.checkbox-row input { width: auto; margin-top: 3px; }
.checkbox-row label { font-weight: 400; margin: 0; color: var(--text-muted); }
.checkbox-row a { color: var(--gold-dim); }
.form-status {
  padding: 14px 16px; border-radius: 4px; font-size: 14px; font-weight: 500; margin-top: 16px; display: none;
}
.form-status.success { display: block; background: rgba(31,122,67,.08); color: var(--success); border: 1px solid rgba(31,122,67,.25); }
.form-status.error { display: block; background: rgba(179,84,15,.08); color: var(--pending); border: 1px solid rgba(179,84,15,.25); }

/* ---------- FAQ accordion ---------- */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 20px 4px; font-family: var(--font); font-size: 15.5px; font-weight: 600; color: var(--text);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-q .plus { font-size: 18px; font-weight: 400; transition: transform .2s ease; color: var(--gold); flex-shrink: 0; }
.faq-item.open .faq-q { color: var(--navy); }
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-a p { color: var(--text-muted); font-size: 14.5px; padding: 0 4px 20px; }
.faq-a a { color: var(--gold-dim); }

/* ---------- Disclaimer bar (dark) ---------- */
.disclaimer-bar { background: var(--navy); border-top: 1px solid var(--navy-dim); padding: 16px 0; }
.disclaimer-bar p { margin: 0; font-size: 12px; color: rgba(255,255,255,.55); max-width: var(--max-width); }

/* ---------- Footer (dark, bookends with hero) ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); padding: 60px 0 0; border-top: none; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 32px; padding-bottom: 44px; }
@media (max-width: 780px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { font-family: var(--font); color: rgba(255,255,255,.5); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 18px; }
.site-footer .brand { color: var(--gold-bright); }
.site-footer .brand .tagline { color: rgba(255,255,255,.45); }
.site-footer p.about-blurb { font-size: 14px; color: rgba(255,255,255,.65); max-width: 320px; margin-top: 16px; }
.site-footer ul li { margin-bottom: 12px; }
.site-footer a { font-size: 14px; color: rgba(255,255,255,.7); }
.site-footer a:hover { color: var(--gold-bright); }
.site-footer .contact-value { color: #a9bbd6; font-weight: 500; }
.social-row { display: flex; gap: 10px; margin-top: 18px; }
.social-row a {
  width: 34px; height: 34px; border-radius: 3px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.16);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; color: rgba(255,255,255,.7);
}
.social-row a:hover { border-color: var(--gold-bright); color: var(--gold-bright); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.14);
  padding: 22px 0;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: 12px; color: rgba(255,255,255,.45);
}
.footer-bottom a { color: rgba(255,255,255,.45); }
.footer-bottom a:hover { color: var(--gold-bright); }
.site-footer .footer-label { display: block; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: rgba(255,255,255,.4); margin-bottom: 3px; }

/* ---------- Page hero (inner pages, dark navy banner) ---------- */
.page-hero {
  --mx: 50%; --my: 40%;
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle, rgba(255,255,255,.05) 1px, transparent 1.4px) 0 0/26px 26px,
              radial-gradient(700px 320px at 88% -20%, rgba(201,154,46,.14), transparent),
              radial-gradient(600px 300px at 4% 120%, rgba(90,130,200,.12), transparent),
              var(--navy);
  color: #ffffff;
  padding: 60px 0;
  border-bottom: 1px solid var(--navy-dim);
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(360px circle at var(--mx) var(--my), rgba(201,154,46,.16), transparent 70%);
  pointer-events: none;
  z-index: 0;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: #ffffff; font-size: clamp(28px, 3.6vw, 40px); margin-bottom: 10px; }
.page-hero p { color: rgba(255,255,255,.75); max-width: 620px; margin: 0; }
.page-hero--loans {
  position: relative;
  overflow: hidden;
  background-color: var(--navy);
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='120'%3E%3Cpath d='M0 95 L45 70 L90 82 L135 40 L180 52 L240 10' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.55'/%3E%3Ccircle cx='45' cy='70' r='3' fill='%23e8bb45' opacity='.75'/%3E%3Ccircle cx='135' cy='40' r='3' fill='%23e8bb45' opacity='.75'/%3E%3Ccircle cx='240' cy='10' r='3' fill='%23e8bb45' opacity='.75'/%3E%3Cpath d='M0 30h14M0 34h9' stroke='%23e8bb45' stroke-width='1' opacity='.2'/%3E%3C/svg%3E");
  background-repeat: no-repeat, repeat;
  background-size: cover, 240px 120px;
  background-position: center, center;
  animation: heroChartFloat 3.4s ease-in-out infinite alternate;
}
@keyframes heroChartFloat {
  0% { background-position: center, center 0px; }
  100% { background-position: center, center -22px; }
}
@media (prefers-reduced-motion: reduce) {
  .page-hero--loans { animation: none; }
}
.page-hero--loans::before {
  content: "";
  position: absolute;
  top: -30%;
  right: -8%;
  width: 55%;
  height: 160%;
  background: radial-gradient(circle, rgba(201,154,46,.4) 0%, rgba(201,154,46,.14) 45%, transparent 72%);
  filter: blur(6px);
  animation: heroGlowPulse 4.5s ease-in-out infinite alternate;
  pointer-events: none;
  z-index: 0;
}
.page-hero--loans .container { position: relative; z-index: 1; }
@keyframes heroGlowPulse {
  0% { transform: scale(.6); opacity: .5; }
  100% { transform: scale(1.25); opacity: 1; }
}
@media (prefers-reduced-motion: reduce) {
  .page-hero--loans::before { animation: none; opacity: .75; }
}
.breadcrumb { font-family: var(--font); font-size: 12.5px; font-weight: 500; color: var(--gold-bright); margin-bottom: 12px; letter-spacing: .02em; }
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: #ffffff; }

/* ---------- Misc utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.stack { display: flex; flex-direction: column; gap: 12px; }
.stack li { color: var(--text-muted); }
.badge-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 18px; }
.badge {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 600; color: var(--text-muted);
  background: var(--bg-card); border: 1px solid var(--border);
  padding: 8px 14px; border-radius: 3px;
}
.cta-banner {
  position: relative;
  overflow: hidden;
  background: radial-gradient(700px 260px at 88% -10%, rgba(201,154,46,.22), transparent),
              linear-gradient(135deg, var(--navy), var(--navy-bright));
  border: 1px solid var(--navy-dim);
  border-radius: var(--radius);
  padding: 48px;
  color: #ffffff;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  transition: transform .3s ease, box-shadow .3s ease;
}
.cta-banner::after {
  content: "";
  position: absolute;
  top: -40%; right: -6%;
  width: 34%; height: 180%;
  background: radial-gradient(circle, rgba(201,154,46,.3) 0%, transparent 70%);
  filter: blur(12px);
  animation: heroAmbientGlow 7s ease-in-out infinite alternate;
  pointer-events: none;
}
.cta-banner:hover { transform: translateY(-3px); box-shadow: 0 20px 50px rgba(0,0,0,.35); }
.cta-banner h3 { color: var(--gold-bright); margin-bottom: 6px; position: relative; z-index: 1; }
.cta-banner p { color: rgba(255,255,255,.75); margin: 0; position: relative; z-index: 1; }
.cta-banner > a { position: relative; z-index: 1; }
@media (prefers-reduced-motion: reduce) {
  .cta-banner::after { animation: none; }
}

/* ---------- Network directory (categorized institution list) ---------- */
.network-directory { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
@media (max-width: 780px) { .network-directory { grid-template-columns: 1fr; } }
.network-group {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 26px;
}
.network-group h4 {
  font-family: var(--font);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--gold-dim);
  margin-bottom: 16px;
}
.network-group ul { display: flex; flex-direction: column; gap: 12px; }
.network-group li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-serif);
  font-size: 15px;
  color: var(--text);
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
.network-group li:last-child { border-bottom: none; padding-bottom: 0; }
.network-badge {
  flex-shrink: 0;
  min-width: 44px;
  height: 32px;
  padding: 0 8px;
  border-radius: 3px;
  border: 1px solid var(--gold-dim);
  background: var(--bg-card-2);
  color: var(--navy);
  font-family: var(--font);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .02em;
  display: flex;
  align-items: center;
  justify-content: center;
}
.network-note {
  font-size: 12.5px;
  color: var(--text-faint);
  margin-top: 20px;
  max-width: 720px;
}

/* ---------- Contact detail rows ---------- */
.contact-rows { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.contact-rows > div { display: grid; grid-template-columns: 100px 1fr; gap: 12px; padding: 16px 20px; border-bottom: 1px solid var(--border); background: var(--bg-card); font-size: 14px; }
.contact-rows > div:last-child { border-bottom: none; }
.contact-rows .label { color: var(--text-faint); font-weight: 600; font-size: 12.5px; text-transform: uppercase; letter-spacing: .05em; }
.contact-rows .value { color: var(--platinum-bright); font-weight: 600; text-align: left; }
@media (max-width: 480px) { .contact-rows > div { grid-template-columns: 1fr; gap: 4px; } }

/* ---------- Stat rows (key figures, replaces emoji bullet lists) ---------- */
.stat-rows { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; margin: 18px 0; }
.stat-rows > div { display: grid; grid-template-columns: 150px 1fr; gap: 12px; padding: 14px 18px; border-bottom: 1px solid var(--border); background: var(--bg-card); font-size: 14px; }
.stat-rows > div:last-child { border-bottom: none; }
.stat-rows .label { color: var(--text-muted); }
.stat-rows .value { color: var(--gold-dim); font-weight: 700; text-align: left; }
@media (max-width: 480px) { .stat-rows > div { grid-template-columns: 1fr; gap: 4px; } }

/* ---------- Check list (replaces emoji ✓ bullets) ---------- */
.check-list li { position: relative; padding-left: 22px; color: var(--text-muted); }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dim); font-weight: 700; }

/* ---------- Photo placeholder (swap for real photography later) ---------- */
.photo-placeholder {
  position: relative;
  aspect-ratio: 4 / 3;
  border: 1px dashed var(--border-strong);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--bg-card-2) 0%, var(--bg-alt) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.photo-placeholder::before {
  content: "";
  position: absolute; inset: 0;
  background:
    linear-gradient(135deg, transparent 48%, var(--border) 49%, var(--border) 51%, transparent 52%);
  opacity: .6;
}
.photo-placeholder-label {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 24px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--text-faint);
  background: var(--bg-card);
  border: 1px solid var(--border-strong);
  border-radius: 3px;
  padding: 10px 16px;
}
.photo-placeholder--wide { aspect-ratio: 16 / 9; }

.map-embed {
  aspect-ratio: 16 / 9;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
  overflow: hidden;
}
.map-embed iframe { display: block; }

/* ---------- Decorative dividers ---------- */
.gold-divider { width: 48px; height: 2px; background: var(--gold-dim); margin: 0 auto 20px; }
.gold-divider--left { margin: 0 0 20px; }

/* ---------- Stat block (Why Choose Us) ---------- */
.stat-block {
  text-align: center;
  padding: 26px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--bg-card);
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.stat-block:hover { box-shadow: 0 14px 32px rgba(171,125,31,.14), var(--shadow-md); transform: translateY(-3px); border-color: var(--gold-dim); }
.stat-block .stat-number {
  font-family: var(--font-serif); font-size: clamp(34px, 4.4vw, 46px); font-weight: 700; color: var(--gold); line-height: 1; margin-bottom: 10px;
  text-shadow: 0 0 16px rgba(201,154,46,.28);
}
.stat-block .stat-label { font-size: 12.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--text-muted); max-width: 220px; margin: 0 auto; }

/* ---------- Testimonials ---------- */
.testimonial-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px;
  position: relative;
}
.testimonial-card .quote-mark { font-family: var(--font-serif); font-size: 44px; color: var(--gold-dim); line-height: 1; margin-bottom: 6px; }
.testimonial-card p.quote-text { font-family: var(--font-serif); font-size: 17px; font-style: italic; color: var(--text); line-height: 1.55; margin-bottom: 18px; }
.testimonial-card .author { font-size: 13.5px; font-weight: 700; color: var(--navy); }
.testimonial-card .author-role { font-size: 12.5px; color: var(--text-faint); }
.testimonial-card.is-placeholder { border-style: dashed; border-color: var(--border-strong); }
.testimonial-card.is-placeholder p.quote-text { color: var(--text-faint); font-style: normal; }

/* ---------- Service photo cards (image + overlay text — swap in real photos) ---------- */
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 960px) { .service-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .service-grid { grid-template-columns: 1fr; } }
.service-card {
  position: relative;
  aspect-ratio: 4 / 3;
  border-radius: var(--radius);
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  background-size: cover;
  background-position: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease;
}
.service-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.service-card::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(13,31,60,.92) 0%, rgba(13,31,60,.55) 42%, rgba(13,31,60,.08) 75%, transparent 100%);
}
.service-card .service-photo-tag {
  position: absolute;
  top: 14px; right: 14px;
  z-index: 2;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: rgba(255,255,255,.85);
  background: rgba(13,31,60,.55);
  border: 1px dashed rgba(255,255,255,.4);
  padding: 4px 9px;
  border-radius: 3px;
}
.service-card .service-content {
  position: relative;
  z-index: 1;
  padding: 22px;
  color: #ffffff;
  width: 100%;
}
.service-card h3 { color: #ffffff; font-size: 20px; margin-bottom: 6px; }
.service-card p { color: rgba(255,255,255,.8); font-size: 13.5px; margin-bottom: 12px; }
.service-card .card-link { color: var(--gold-bright); }
.service-card .card-link:hover { color: #ffffff; }
/* default background used until a real photo is supplied — swap via inline style="background-image:url(...)" */
.service-card.ph-1 { background-color: #1d3a63; background-image: linear-gradient(135deg, #16305c, #24406b); }
.service-card.ph-2 { background-color: #1d3a63; background-image: linear-gradient(135deg, #24406b, #0d1f3c); }
.service-card.ph-3 { background-color: #1d3a63; background-image: linear-gradient(135deg, #0d1f3c, #16305c); }
.service-card.ph-4 { background-color: #1d3a63; background-image: linear-gradient(135deg, #16305c, #1d3a63); }
.service-card.ph-5 { background-color: #1d3a63; background-image: linear-gradient(135deg, #24406b, #1d3a63); }
.service-card.ph-6 { background-color: #1d3a63; background-image: linear-gradient(135deg, #0d1f3c, #1d3a63); }

/* ---------- DNC opt-out mini form ---------- */
.dnc-block { border: 1px solid var(--border); border-radius: var(--radius); padding: 26px 28px; background: var(--bg-card); }
.dnc-block .dnc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 16px; }
@media (max-width: 780px) { .dnc-block .dnc-fields { grid-template-columns: 1fr; } }

/* ---------- Scroll-reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .55s ease, transform .55s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn-primary::after { display: none; }
}

/* ---------- Sticky mobile CTA bar ---------- */
.sticky-cta {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  background: var(--navy);
  padding: 12px 18px;
  box-shadow: 0 -8px 24px rgba(13,31,60,.25);
  transform: translateY(100%);
  transition: transform .3s ease;
}
.sticky-cta.is-visible { transform: translateY(0); }
.sticky-cta span { color: #ffffff; font-size: 13px; font-weight: 600; line-height: 1.3; }
.sticky-cta .btn { padding: 10px 18px; font-size: 13px; flex-shrink: 0; }
@media (min-width: 881px) { .sticky-cta { display: none; } }

/* ---------- Print ---------- */
@media print {
  html, body { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .top-bar, .sticky-cta, .nav-toggle, .nav-cta, .btn { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .site-header { position: static !important; box-shadow: none !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .faq-a { max-height: none !important; }
  .service-card, .hero, .page-hero, .cta-banner, .site-footer, .disclaimer-bar, .compare-table th {
    -webkit-print-color-adjust: exact; print-color-adjust: exact;
  }
}

.page-hero--themed {
  position: relative;
  overflow: hidden;
  background-color: var(--navy);
  background-repeat: no-repeat, repeat;
  background-size: cover, 130px 130px;
  background-position: center, center;
  animation: heroChartFloat 3.4s ease-in-out infinite alternate;
}
.page-hero--themed::before {
  content: "";
  position: absolute;
  top: -30%;
  right: -8%;
  width: 55%;
  height: 160%;
  background: radial-gradient(circle, rgba(201,154,46,.4) 0%, rgba(201,154,46,.14) 45%, transparent 72%);
  filter: blur(6px);
  animation: heroGlowPulse 4.5s ease-in-out infinite alternate;
  pointer-events: none;
  z-index: 0;
}
.page-hero--themed .container { position: relative; z-index: 1; }
@media (prefers-reduced-motion: reduce) {
  .page-hero--themed { animation: none; }
}

.page-hero--about {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Ccircle cx='34' cy='50' r='15' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Ccircle cx='66' cy='50' r='15' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Cpath d='M47 50h6' stroke='%23e8bb45' stroke-width='2' opacity='.5'/%3E%3Ccircle cx='50' cy='50' r='3' fill='%23e8bb45' opacity='.7'/%3E%3C/svg%3E");
}

.page-hero--eligibility {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Cpath d='M40 18h20a4 4 0 014 4v2h4a4 4 0 014 4v50a4 4 0 01-4 4H32a4 4 0 01-4-4V28a4 4 0 014-4h4v-2a4 4 0 014-4z' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Crect x='40' y='16' width='20' height='10' rx='3' stroke='%23e8bb45' stroke-width='1.8' fill='none' opacity='.5'/%3E%3Cpath d='M34 42l4 4 7-8M34 58l4 4 7-8' stroke='%23e8bb45' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round' opacity='.6'/%3E%3Cpath d='M50 44h14M50 60h14' stroke='%23e8bb45' stroke-width='1.6' opacity='.4'/%3E%3C/svg%3E");
}

.page-hero--faq {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Cpath d='M50 22a19 19 0 00-10 35c3 2 5 6 5 10h10c0-4 2-8 5-10a19 19 0 00-10-35z' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.55'/%3E%3Cpath d='M45 74h10M46 80h8' stroke='%23e8bb45' stroke-width='2' stroke-linecap='round' opacity='.5'/%3E%3Cpath d='M50 28v8' stroke='%23e8bb45' stroke-width='1.6' stroke-linecap='round' opacity='.4'/%3E%3C/svg%3E");
}

.page-hero--contact {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Crect x='16' y='30' width='68' height='46' rx='5' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Cpath d='M16 34l34 26 34-26' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3C/svg%3E");
}

.page-hero--personal {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Crect x='14' y='32' width='72' height='46' rx='8' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Cpath d='M14 48h72' stroke='%23e8bb45' stroke-width='2' opacity='.4'/%3E%3Ccircle cx='70' cy='62' r='5' fill='%23e8bb45' opacity='.65'/%3E%3C/svg%3E");
}

.page-hero--property {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Cpath d='M18 52L50 24l32 28' stroke='%23e8bb45' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round' opacity='.55'/%3E%3Cpath d='M26 48v32h48V48' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Crect x='44' y='60' width='12' height='20' stroke='%23e8bb45' stroke-width='1.6' fill='none' opacity='.45'/%3E%3C/svg%3E");
}

.page-hero--workingcapital {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Crect x='20' y='16' width='42' height='56' rx='4' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Cpath d='M28 30h26M28 40h26M28 50h16' stroke='%23e8bb45' stroke-width='1.6' opacity='.4'/%3E%3Cpath d='M60 56l18 18m0 0v-11m0 11H67' stroke='%23e8bb45' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round' opacity='.65'/%3E%3C/svg%3E");
}

.page-hero--terms {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Crect x='24' y='14' width='52' height='70' rx='4' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Cpath d='M32 28h36M32 40h36M32 52h22' stroke='%23e8bb45' stroke-width='1.6' opacity='.4'/%3E%3Ccircle cx='64' cy='68' r='10' stroke='%23e8bb45' stroke-width='1.6' fill='none' opacity='.5'/%3E%3C/svg%3E");
}

.page-hero--privacy {
  background-image:
    linear-gradient(180deg, rgba(13,31,60,.2), rgba(13,31,60,.55)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='100' height='100'%3E%3Cpath d='M50 14l30 11v22c0 21-13 33-30 39-17-6-30-18-30-39V25z' stroke='%23e8bb45' stroke-width='2' fill='none' opacity='.5'/%3E%3Crect x='39' y='48' width='22' height='17' rx='3' stroke='%23e8bb45' stroke-width='1.8' fill='none' opacity='.6'/%3E%3Cpath d='M43 48v-7a7 7 0 0114 0v7' stroke='%23e8bb45' stroke-width='1.8' fill='none' opacity='.6'/%3E%3C/svg%3E");
}