/*
  BiiTrust public site — editorial: a serif display face with italic emphasis, a grotesque for
  reading, a mono for labels; warm paper in light, neutral ink in dark. Colour is spent only on
  what you act on (buttons, links, the featured card, the calculator's answer) — the page
  itself stays neutral. Tokens are the site's own so it renders whatever the staff app does.
*/
@font-face { font-family: 'Instrument Serif'; src: url('/site/fonts/instrument-serif.woff2') format('woff2'); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: 'Instrument Serif'; src: url('/site/fonts/instrument-serif-italic.woff2') format('woff2'); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: 'Hanken Grotesk'; src: url('/site/fonts/hanken-grotesk.woff2') format('woff2'); font-weight: 100 900; font-style: normal; font-display: swap; }
@font-face { font-family: 'IBM Plex Mono'; src: url('/site/fonts/plex-mono-400.woff2') format('woff2'); font-weight: 400; font-display: swap; }
@font-face { font-family: 'IBM Plex Mono'; src: url('/site/fonts/plex-mono-500.woff2') format('woff2'); font-weight: 500; font-display: swap; }

:root {
  --f-display: 'Instrument Serif', Georgia, 'Times New Roman', serif;
  --f-text: 'Hanken Grotesk', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --f-label: 'IBM Plex Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  /* brand — used sparingly */
  --green: #155E29; --green-hover: #0F4A20; --gold: #F59E0B; --gold-ink: #1F1300;

  --canvas: #F4EFE6; --canvas-2: #EEE7DA; --surface: #FFFCF7; --field: #F1EADF;
  --ink: #0E0E10; --text: #2E2B27; --muted: #5F5A52; --faint: #8A8277;
  --line: #E2D7C6; --line-strong: rgba(14, 14, 16, 0.2);
  --eyebrow: #8A4B07; --link: #155E29;
  --btn-bg: #155E29; --btn-ink: #FAF7F2; --btn-glow: 0 10px 24px -12px rgba(21, 94, 41, 0.75);
  --mark: rgba(245, 158, 11, 0.22);
  --band: #141210; --band-2: #1E1A16; --on-band: #FAF7F2; --on-band-muted: #B5ADA1; --on-band-line: rgba(250, 247, 242, 0.12);
  --shadow: 0 1px 2px rgba(20, 20, 19, 0.04), 0 12px 32px -12px rgba(20, 20, 19, 0.12);
  --shadow-lg: 0 30px 70px -30px rgba(20, 20, 19, 0.35);
  --ok: #157A3A; --bad: #B42318; --bad-soft: #FBEAE7;
  --r-card: 20px; --r-field: 12px;
  --wrap: 75rem;
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
  color-scheme: light;
}
[data-theme="dark"] {
  --canvas: #0E0E10; --canvas-2: #131315; --surface: #18181B; --field: #1F1F23;
  --ink: #FAF7F2; --text: #D9D3CA; --muted: #A39C91; --faint: #7B756C;
  --line: rgba(250, 247, 242, 0.10); --line-strong: rgba(250, 247, 242, 0.22);
  --eyebrow: #F5B14A; --link: #5DD487;
  --btn-bg: #1C7A36; --btn-ink: #FAF7F2; --btn-glow: 0 10px 24px -12px rgba(28, 122, 54, 0.8);
  --mark: rgba(245, 158, 11, 0.18);
  --band: #08080A; --band-2: #121214; --on-band: #FAF7F2; --on-band-muted: #A39C91; --on-band-line: rgba(250, 247, 242, 0.10);
  --shadow: 0 1px 2px rgba(0, 0, 0, 0.4), 0 12px 32px -12px rgba(0, 0, 0, 0.5);
  --shadow-lg: 0 30px 70px -30px rgba(0, 0, 0, 0.8);
  --ok: #5DD487; --bad: #F48B7F; --bad-soft: rgba(244, 139, 127, 0.12);
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 88px; }
body { margin: 0; background: var(--canvas); color: var(--text); font-family: var(--f-text); font-size: clamp(1.0625rem, 1.04rem + 0.1vw, 1.125rem); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: var(--link); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--ink); }
h1, h2, h3 { margin: 0; color: var(--ink); font-family: var(--f-display); font-weight: 400; letter-spacing: -0.01em; line-height: 1.04; }
h1 em, h2 em, h3 em { font-style: italic; }
p { margin: 0; }
b, strong { color: var(--ink); font-weight: 600; }
::selection { background: var(--mark); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 6px; }
.skip { position: absolute; left: -999px; top: 8px; z-index: 100; padding: 10px 16px; border-radius: 10px; background: var(--ink); color: var(--canvas); }
.skip:focus { left: 12px; }
.wrap { width: min(var(--wrap), 100% - 2.5rem); margin-inline: auto; }
.narrow { max-width: 52rem; }
.center { text-align: center; }
.code { font-family: var(--f-label); font-size: 0.92em; color: var(--ink); background: var(--field); padding: 1px 7px; border-radius: 6px; }

/* labels — the mono eyebrow, the only place the gold shows by default */
.kicker, .legal-eyebrow, .doc-label { display: inline-block; font-family: var(--f-label); font-size: 0.72rem; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--eyebrow); margin-bottom: 14px; }
.kicker-gold { color: var(--gold); }

/* ── buttons ───────────────────────────────────────────────────────────── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; height: 46px; padding: 0 24px; border-radius: 999px; border: 1px solid transparent; font-family: var(--f-text); font-weight: 600; font-size: 0.95rem; line-height: 1; text-decoration: none; cursor: pointer; white-space: nowrap; transition: transform 0.15s, background 0.2s, border-color 0.2s, color 0.2s; }
.btn svg { width: 17px; height: 17px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.btn:active { transform: translateY(1px); }
.btn-lg { height: 52px; padding: 0 28px; font-size: 1rem; }
.btn-block { width: 100%; }
.btn-gold, .btn-primary { background: var(--btn-bg); color: var(--btn-ink); box-shadow: var(--btn-glow); }
.btn-gold:hover, .btn-primary:hover { background: var(--green-hover); color: var(--btn-ink); }
[data-theme="dark"] .btn-gold:hover { background: #22913F; }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line-strong); }
.btn-ghost:hover { border-color: var(--ink); color: var(--ink); }
.btn-onDark { background: transparent; color: var(--on-band); border-color: rgba(250, 247, 242, 0.3); }
.btn-onDark:hover { border-color: var(--on-band); color: var(--on-band); }
.icon-btn { width: 40px; height: 40px; border-radius: 50%; border: 1px solid var(--line-strong); background: transparent; color: var(--ink); display: inline-flex; align-items: center; justify-content: center; cursor: pointer; }
.icon-btn svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; }
[data-theme="dark"] .i-moon, [data-theme="light"] .i-sun { display: none; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-family: var(--f-label); font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink); text-decoration: none; }
.link-arrow span { transition: transform 0.15s; }
.link-arrow:hover { color: var(--link); } .link-arrow:hover span { transform: translateX(3px); }
.link-arrow.on-dark { color: var(--on-band); }

/* ── header ────────────────────────────────────────────────────────────── */
.hdr { position: sticky; top: 0; z-index: 50; background: color-mix(in srgb, var(--canvas) 86%, transparent); backdrop-filter: blur(14px) saturate(1.2); -webkit-backdrop-filter: blur(14px) saturate(1.2); border-bottom: 1px solid transparent; transition: border-color 0.2s; }
.hdr.scrolled { border-bottom-color: var(--line); }
.hdr-in { display: flex; align-items: center; gap: 24px; height: 72px; }
.logo { display: inline-flex; align-items: center; gap: 11px; color: var(--ink); text-decoration: none; flex: none; }
.logo img { width: 36px; height: 36px; border-radius: 9px; background: #fff; box-shadow: 0 0 0 1px var(--line); }
.logo span { display: flex; flex-direction: column; line-height: 1; }
.logo b { font-family: var(--f-display); font-weight: 400; font-size: 1.55rem; letter-spacing: -0.01em; }
.logo small { font-family: var(--f-label); font-size: 0.56rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 4px; margin-inline: auto; }
.nav-account { display: none; }
.hdr-tools { display: flex; align-items: center; gap: 10px; margin-left: auto; }

/* dropdown groups — open on hover / keyboard focus on desktop, on tap on touch */
.dd { position: relative; }
.dd-top { display: inline-flex; align-items: center; gap: 6px; padding: 9px 14px; border-radius: 999px; color: var(--text); text-decoration: none; font-size: 0.95rem; font-weight: 500; }
.dd-top svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; opacity: 0.6; transition: transform 0.2s; }
.dd-top[aria-current="page"] { color: var(--ink); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.dd-panel { position: absolute; top: calc(100% + 12px); left: 50%; z-index: 60; min-width: 300px; padding: 8px; display: grid; gap: 2px; border-radius: 18px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden; transform: translate(-50%, 6px); transition: opacity 0.18s var(--ease), transform 0.18s var(--ease), visibility 0.18s; }
.dd-panel::before { content: ''; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.dd-panel.wide { grid-template-columns: 1fr 1fr; width: 560px; }
.dd-panel.right { left: auto; right: 0; transform: translateY(6px); min-width: 320px; }
.dd-item { display: grid; grid-template-columns: auto 1fr; gap: 2px 12px; align-items: start; padding: 12px 14px; border-radius: 12px; text-decoration: none; color: var(--text); }
.dd-item > b, .dd-item > small { grid-column: 1 / -1; }
.dd-item b { display: block; font-family: var(--f-display); font-weight: 400; font-size: 1.3rem; line-height: 1.1; color: var(--ink); }
.dd-item small { display: block; font-size: 0.82rem; color: var(--muted); margin-top: 3px; }
.dd-item:hover, .dd-item:focus-visible { background: var(--canvas-2); }
.dd-ico { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; background: var(--canvas-2); color: var(--ink); }
.dd-item:hover .dd-ico { background: var(--surface); }
.dd-ico svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.dd-foot { margin-top: 6px; padding: 14px; border-top: 1px solid var(--line); font-size: 0.9rem; color: var(--muted); text-decoration: none; display: flex; gap: 6px; align-items: center; }
.dd-foot b { color: var(--link); }
.dd-foot:hover b { text-decoration: underline; }
.acct-btn { height: 42px; padding: 0 16px 0 14px; }
.acct-btn .chev { width: 14px; height: 14px; opacity: 0.8; transition: transform 0.2s; }
.dd.open > .dd-panel { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.dd.open > .dd-panel.right { transform: none; }
.dd.open > .dd-top svg:last-child, .dd.open .chev { transform: rotate(180deg); }
@media (hover: hover) and (min-width: 1081px) {
  .dd:hover > .dd-panel, .dd:focus-within > .dd-panel { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
  .dd:hover > .dd-panel.right, .dd:focus-within > .dd-panel.right { transform: none; }
  .dd:hover > .dd-top svg:last-child, .dd:hover .chev { transform: rotate(180deg); }
  .dd-top:hover { color: var(--ink); background: var(--canvas-2); }
  .dd-top[aria-current="page"]:hover { border-radius: 999px; }
}

.menu-btn { display: none; flex-direction: column; justify-content: center; align-items: center; gap: 4px; }
.menu-btn span { width: 16px; height: 1.5px; border-radius: 2px; background: currentColor; transition: transform 0.2s, opacity 0.2s; }
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(5.5px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-5.5px) rotate(-45deg); }
@media (max-width: 1080px) {
  .hide-sm { display: none !important; }
  .menu-btn { display: inline-flex; }
  .nav { position: fixed; inset: 72px 0 auto 0; margin: 0; flex-direction: column; align-items: stretch; gap: 0; padding: 4px 20px 24px; background: var(--canvas); border-bottom: 1px solid var(--line); box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden; transform: translateY(-6px); transition: opacity 0.18s, transform 0.18s, visibility 0.18s; max-height: calc(100dvh - 72px); overflow: auto; }
  .nav.open { opacity: 1; visibility: visible; transform: none; }
  .dd { border-bottom: 1px solid var(--line); }
  .dd-top { width: 100%; justify-content: space-between; padding: 16px 4px; border-radius: 0; font-family: var(--f-display); font-size: 1.75rem; font-weight: 400; color: var(--ink); }
  .dd-top[aria-current="page"] { box-shadow: none; font-style: italic; }
  .dd-top svg { width: 20px; height: 20px; }
  .dd-panel, .dd-panel.wide, .dd-panel.right { position: static; width: auto; min-width: 0; grid-template-columns: 1fr; padding: 0 0 12px; border: 0; border-radius: 0; box-shadow: none; background: transparent; opacity: 1; visibility: visible; transform: none; display: none; transition: none; }
  .dd.open > .dd-panel { display: grid; transform: none; }
  .dd-item { padding: 10px 4px; }
  .dd-item b { font-family: var(--f-text); font-size: 1rem; font-weight: 600; }
  .nav-account { display: grid; gap: 4px; margin-top: 22px; }
  .acct-item { display: grid; padding: 12px 14px; border-radius: 14px; background: var(--surface); border: 1px solid var(--line); text-decoration: none; }
  .acct-item b { font-family: var(--f-display); font-weight: 400; font-size: 1.35rem; color: var(--ink); }
  .acct-item small { font-size: 0.84rem; color: var(--muted); }
  .nav-account .btn { margin-top: 10px; height: 50px; }
}

/* ── hero ──────────────────────────────────────────────────────────────── */
.hero { position: relative; padding: clamp(3rem, 2rem + 5vw, 7rem) 0 clamp(7rem, 5rem + 6vw, 10rem); background:
  radial-gradient(60% 70% at 85% 10%, color-mix(in srgb, var(--gold) 9%, transparent), transparent 70%),
  radial-gradient(50% 60% at 0% 100%, color-mix(in srgb, var(--green) 7%, transparent), transparent 70%), var(--canvas); overflow: hidden; }
.hero::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 90px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath d='M0 70 Q240 20 480 62 T960 52 T1440 40 V120 H0Z' fill='%23D97706' fill-opacity='0.14'/%3E%3Cpath d='M0 96 Q300 58 620 90 T1180 80 T1440 74 V120 H0Z' fill='%23155E29' fill-opacity='0.12'/%3E%3C/svg%3E") center / 100% 100% no-repeat; pointer-events: none; }
.hero-in { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2rem, 1rem + 4vw, 5rem); align-items: center; }
.hero-name { font-size: clamp(4rem, 2rem + 8vw, 9rem); line-height: 0.92; letter-spacing: -0.02em; }
.hero-tag { font-family: var(--f-display); color: var(--ink); margin: 18px 0 22px; font-size: clamp(1.8rem, 1.2rem + 2.4vw, 3rem); line-height: 1.06; }
.lede { font-size: clamp(1.1rem, 1.05rem + 0.3vw, 1.3rem); color: var(--muted); max-width: 52ch; line-height: 1.55; }
.lede b { color: var(--ink); }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin: 32px 0 28px; }
.trust { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 22px; font-family: var(--f-label); font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.trust li { display: inline-flex; align-items: center; gap: 8px; }
.trust svg { width: 14px; height: 14px; fill: none; stroke: var(--ok); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }

.hero-art { position: relative; display: grid; place-items: center; }
.phone { width: 300px; border-radius: 36px; padding: 14px; background: #121214; box-shadow: var(--shadow-lg), inset 0 0 0 1px rgba(255, 255, 255, 0.07); color: #F3EFE8; }
.phone-top { display: flex; justify-content: space-between; align-items: center; padding: 4px 12px 12px; font-size: 0.7rem; color: #9B958B; }
.phone-top .notch { width: 70px; height: 18px; border-radius: 99px; background: #050506; }
.phone-card { border-radius: 22px; padding: 20px; background: #FFFCF7; color: #0E0E10; display: grid; gap: 2px; }
.pc-label { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.14em; text-transform: uppercase; color: #8A4B07; }
.phone-card strong { font-family: var(--f-display); font-weight: 400; font-size: 2.6rem; line-height: 1.05; color: #0E0E10; }
.pc-ok { display: inline-flex; align-items: center; gap: 7px; font-size: 0.8rem; font-weight: 600; color: #157A3A; }
.pc-ok i { width: 7px; height: 7px; border-radius: 50%; background: #157A3A; }
.phone-sched { margin-top: 12px; border-radius: 20px; padding: 16px; background: rgba(255, 255, 255, 0.05); display: grid; gap: 9px; }
.ps-title { font-family: var(--f-label); font-size: 0.64rem; letter-spacing: 0.14em; text-transform: uppercase; color: #9B958B; margin-bottom: 2px; }
.ps-row { display: grid; grid-template-columns: 1fr auto 62px; gap: 8px; align-items: center; font-size: 0.82rem; color: #CFC9BF; }
.ps-row b { color: #F3EFE8; font-weight: 600; }
.ps-row i { font-style: normal; text-align: right; font-size: 0.72rem; color: #7B756C; }
.ps-row.done i { color: #5DD487; }
.ps-row.next { margin: 0 -8px; padding: 6px 8px; border-radius: 10px; background: rgba(245, 158, 11, 0.13); }
.ps-row.next i { color: #F5B14A; font-weight: 600; }
.ps-bar { height: 5px; border-radius: 5px; background: rgba(255, 255, 255, 0.1); overflow: hidden; margin-top: 4px; }
.ps-bar i { display: block; height: 100%; background: #5DD487; border-radius: 5px; }
.phone-btn { margin-top: 12px; height: 46px; border-radius: 999px; display: grid; place-items: center; background: #1C7A36; color: #FAF7F2; font-weight: 600; font-size: 0.9rem; }
.float-card { position: absolute; display: grid; gap: 2px; padding: 12px 16px; border-radius: 16px; background: color-mix(in srgb, var(--surface) 92%, transparent); backdrop-filter: blur(8px); border: 1px solid var(--line); box-shadow: var(--shadow); font-size: 0.8rem; color: var(--muted); }
.float-card b { font-family: var(--f-label); font-size: 0.64rem; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 500; color: var(--muted); }
.fc-1 { left: -4%; top: 16%; } .fc-1 span { font-family: var(--f-display); font-size: 1.8rem; color: var(--ink); line-height: 1; }
.fc-2 { right: -4%; bottom: 12%; max-width: 210px; grid-template-columns: auto 1fr; column-gap: 9px; }
.fc-2 .dot { grid-row: span 2; width: 8px; height: 8px; margin-top: 4px; border-radius: 50%; background: var(--gold); }

/* the three pillars that sit over the hero's edge */
.pillars { position: relative; z-index: 2; margin-top: -5rem; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.pillar { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-card); padding: 30px; box-shadow: var(--shadow); display: grid; gap: 10px; align-content: start; }
.pillar .ico { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; background: var(--canvas-2); color: var(--ink); margin-bottom: 14px; }
.pillar .ico svg { width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.pillar h3 { font-size: 2.2rem; }
.pillar p { color: var(--muted); }
.pillar .link-arrow { margin-top: 10px; }

/* ── sections ──────────────────────────────────────────────────────────── */
.section { padding: clamp(4rem, 3rem + 5vw, 8rem) 0; }
.section.pt0 { padding-top: 0.5rem; }
.section-tint { background: var(--canvas-2); }
.section-dark { position: relative; background: radial-gradient(70% 90% at 100% 0%, var(--band-2), var(--band)); color: var(--on-band-muted); }
.section-dark h2, .section-dark b, .section-dark strong { color: var(--on-band); }
.section-dark .kicker { color: var(--gold); }
.sec-head { max-width: 46rem; margin-bottom: clamp(2rem, 1.5rem + 2vw, 3.5rem); }
.sec-head.centered { margin-inline: auto; text-align: center; }
.sec-head h2, .page-head h1 { font-size: clamp(2.5rem, 1.6rem + 3.8vw, 4.5rem); }
.sec-head p { margin-top: 16px; color: var(--muted); font-size: 1.1rem; max-width: 40rem; }
.sec-head.centered p { margin-inline: auto; }
.sec-row { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; flex-wrap: wrap; margin-bottom: clamp(2rem, 1.5rem + 2vw, 3.5rem); }
.sec-row .sec-head { margin-bottom: 0; }
.page-head { padding: clamp(3rem, 2rem + 4vw, 6rem) 0 clamp(2rem, 1.5rem + 2vw, 3.5rem); }
.page-head h1 { margin-bottom: 18px; max-width: 16ch; }
.page-head.center h1, .page-head.center .lede { margin-inline: auto; }
.row-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.row-actions.center { justify-content: center; }

/* ── cards ─────────────────────────────────────────────────────────────── */
.cards { display: grid; gap: 20px; }
.cards.products { grid-template-columns: repeat(4, 1fr); }
.cards.three { grid-template-columns: repeat(3, 1fr); }
.cards.two { grid-template-columns: repeat(2, 1fr); }
.cards.one-col { grid-template-columns: 1fr; }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-card); padding: 28px; box-shadow: var(--shadow); }
.card h3 { font-size: 1.9rem; margin-bottom: 10px; }
.card p { color: var(--muted); }
.card p b { color: var(--ink); }
.tag { display: inline-block; font-family: var(--f-label); font-size: 0.64rem; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); padding: 5px 10px; border-radius: 999px; border: 1px solid var(--line-strong); margin-bottom: 18px; }
.tag-muted { color: var(--faint); border-color: var(--line); }
.product { display: flex; flex-direction: column; gap: 8px; transition: transform 0.25s var(--ease), box-shadow 0.25s; }
.product:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.product h3 { font-size: 2rem; margin-bottom: 2px; }
.product .range { font-family: var(--f-display); font-size: 1.35rem; color: var(--ink); }
.product .range span { font-family: var(--f-text); font-size: 0.9rem; color: var(--faint); }
.product .for { font-size: 0.95rem; min-height: 3.2em; }
.product ul { list-style: none; margin: 8px 0 22px; padding: 14px 0 0; border-top: 1px solid var(--line); display: grid; gap: 8px; font-size: 0.93rem; color: var(--text); }
.product li { display: flex; gap: 10px; } .product li::before { content: '—'; color: var(--faint); }
.product .link-arrow { margin-top: auto; }
.product.featured { background: var(--ink); border-color: var(--ink); color: var(--canvas); }
.product.featured h3, .product.featured .range { color: var(--canvas); }
.product.featured .for, .product.featured .range span, .product.featured li::before { color: color-mix(in srgb, var(--canvas) 65%, transparent); }
.product.featured ul { color: color-mix(in srgb, var(--canvas) 85%, transparent); border-color: color-mix(in srgb, var(--canvas) 18%, transparent); }
.product.featured .tag { color: var(--gold-ink); background: var(--gold); border-color: var(--gold); }
.product.featured .link-arrow { color: var(--gold); }
.feature .ico { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; background: var(--canvas-2); color: var(--ink); margin-bottom: 18px; }
.feature .ico svg { width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.feature .num { display: block; font-family: var(--f-label); font-size: 0.72rem; letter-spacing: 0.14em; color: var(--eyebrow); margin-bottom: 10px; }
.feature .btn { margin-top: 18px; }

/* the numbered, ruled list */
.ruled { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; column-gap: 48px; border-top: 1px solid var(--line); }
.ruled li { display: grid; grid-template-columns: 56px 1fr; gap: 8px 12px; padding: 24px 0; border-bottom: 1px solid var(--line); align-items: baseline; }
.ruled .n { font-family: var(--f-label); font-size: 0.72rem; color: var(--faint); letter-spacing: 0.06em; }
.ruled h3 { font-size: clamp(1.6rem, 1.3rem + 1vw, 2.1rem); }
.ruled p { grid-column: 2; color: var(--muted); font-size: 0.98rem; max-width: 44ch; }

/* ── calculator ────────────────────────────────────────────────────────── */
.calc { border-radius: 28px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-lg); overflow: hidden; }
.calc-in { display: grid; grid-template-columns: 1.15fr 0.85fr; }
.calc-form { padding: clamp(1.75rem, 1rem + 2vw, 3rem); display: grid; gap: 24px; align-content: start; }
.calc-form h3 { font-size: clamp(2rem, 1.5rem + 1.6vw, 2.9rem); }
.calc-tabs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.calc-tabs button { text-align: left; padding: 14px 16px; border-radius: 14px; border: 1px solid var(--line-strong); background: transparent; color: var(--text); cursor: pointer; font-family: var(--f-text); display: grid; gap: 3px; transition: border-color 0.15s, background 0.15s; }
.calc-tabs button b { font-size: 0.95rem; }
.calc-tabs button small { font-size: 0.76rem; color: var(--faint); }
.calc-tabs button:hover { border-color: var(--ink); }
.calc-tabs button[aria-checked="true"] { border-color: var(--ink); background: var(--ink); color: var(--canvas); }
.calc-tabs button[aria-checked="true"] b { color: var(--canvas); }
.calc-tabs button[aria-checked="true"] small { color: color-mix(in srgb, var(--canvas) 65%, transparent); }
.calc-amount { display: grid; gap: 8px; }
.calc-amount > span:first-child { font-family: var(--f-label); font-size: 0.7rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); }
.calc-amount output { font-family: var(--f-display); font-size: clamp(3rem, 2rem + 3vw, 4.5rem); line-height: 1; color: var(--ink); }
.calc-scale { display: flex; justify-content: space-between; font-family: var(--f-label); font-size: 0.7rem; color: var(--faint); }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--ink) var(--p, 0%), var(--line) var(--p, 0%)); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: var(--gold); border: 4px solid var(--surface); box-shadow: 0 2px 10px rgba(0, 0, 0, 0.25); cursor: grab; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--gold); border: 4px solid var(--surface); cursor: grab; }
.calc-result { padding: clamp(1.75rem, 1rem + 2vw, 3rem); background: var(--ink); color: color-mix(in srgb, var(--canvas) 70%, transparent); display: grid; gap: 20px; align-content: start; }
.calc-big { display: grid; gap: 4px; }
.calc-big span { font-family: var(--f-label); font-size: 0.7rem; letter-spacing: 0.14em; text-transform: uppercase; }
.calc-big strong { font-family: var(--f-display); font-weight: 400; font-size: clamp(3.2rem, 2.4rem + 3vw, 4.8rem); line-height: 1; color: var(--gold); }
.calc-result dl { margin: 0; display: grid; gap: 11px; padding: 20px 0; border-block: 1px solid color-mix(in srgb, var(--canvas) 15%, transparent); }
.calc-result dl div { display: flex; justify-content: space-between; gap: 12px; font-size: 0.93rem; }
.calc-result dd { margin: 0; color: var(--canvas); font-weight: 600; font-variant-numeric: tabular-nums; }
.calc-result .btn-gold { background: var(--gold); color: var(--gold-ink); box-shadow: none; }
.calc-result .btn-gold:hover { background: #FBB33A; color: var(--gold-ink); }
.fine { font-size: 0.8rem; color: var(--faint); line-height: 1.55; }
.calc-result .fine { color: color-mix(in srgb, var(--canvas) 55%, transparent); }

/* ── repay ─────────────────────────────────────────────────────────────── */
.repay-split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 1rem + 4vw, 5rem); align-items: center; }
.repay-split h2 { font-size: clamp(2.5rem, 1.6rem + 3.4vw, 4.2rem); margin-bottom: 18px; }
.repay-split p { margin-bottom: 26px; font-size: 1.1rem; }
.repay-split.light { align-items: start; } .repay-split.light h2 { font-size: 2.4rem; }
.mpesa { justify-self: end; width: 100%; max-width: 440px; border-radius: 24px; padding: 24px; background: #FFFCF7; color: #2E2B27; box-shadow: var(--shadow-lg); }
.mpesa-head { display: flex; justify-content: space-between; align-items: baseline; padding-bottom: 14px; margin-bottom: 6px; border-bottom: 1px solid #E2D7C6; }
.mpesa-head span { font-weight: 800; letter-spacing: 0.04em; color: #3A9B3F; }
.mpesa-head small { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.1em; text-transform: uppercase; color: #8A8277; }
.mpesa-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px dashed #E2D7C6; }
.mpesa-row span { color: #8A8277; font-size: 0.92rem; }
.mpesa-row b { color: #0E0E10; font-family: var(--f-label); font-weight: 500; }
.mpesa-row i { font-style: normal; color: #8A4B07; }
.mpesa p { margin: 14px 0 0; font-size: 0.86rem; color: #8A8277; }
.repay-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.repay-card h2 { font-size: 2.4rem; margin-bottom: 18px; }
.phone-steps { list-style: none; margin: 0; padding: 0; counter-reset: p; display: grid; }
.phone-steps li { counter-increment: p; display: grid; grid-template-columns: 40px 1fr; gap: 10px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.phone-steps li:last-child { border-bottom: 0; }
.phone-steps li::before { content: counter(p, decimal-leading-zero); font-family: var(--f-label); font-size: 0.72rem; color: var(--faint); padding-top: 4px; }
.note { margin: 18px 0; padding: 14px 16px; border-radius: 14px; background: var(--canvas-2); font-size: 0.93rem; }
.warn-note { display: flex; gap: 12px; align-items: flex-start; margin-top: 30px; padding: 16px 18px; border-radius: 14px; background: var(--bad-soft); color: var(--ink); font-size: 0.97rem; }
.warn-note svg { flex: none; width: 21px; height: 21px; fill: none; stroke: var(--bad); stroke-width: 2; stroke-linecap: round; }

/* ── loans page ────────────────────────────────────────────────────────── */
.product-rows { display: grid; border-top: 1px solid var(--line); }
.prow { display: grid; grid-template-columns: 1.1fr 1.3fr 1fr; gap: 32px; align-items: center; padding: 34px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 96px; }
.prow-name h2 { font-size: clamp(2.2rem, 1.8rem + 1.2vw, 3rem); margin-bottom: 8px; }
.prow-name p { color: var(--muted); font-size: 0.97rem; }
.prow-name .tag { margin-bottom: 14px; }
.prow-facts { margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 18px 24px; }
.prow-facts dt { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--faint); }
.prow-facts dd { margin: 4px 0 0; color: var(--ink); font-weight: 600; }
.prow-eg { display: grid; gap: 10px; padding: 22px; border-radius: 18px; background: var(--surface); border: 1px solid var(--line); }
.prow-eg span { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--eyebrow); }
.prow-eg p { font-size: 0.95rem; color: var(--muted); }
.prow-eg .btn { justify-self: start; height: 40px; }
.table-wrap { overflow-x: auto; border-top: 1px solid var(--line-strong); }
table { width: 100%; border-collapse: collapse; min-width: 520px; }
th, td { text-align: left; padding: 18px 20px 18px 0; border-bottom: 1px solid var(--line); }
th { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 500; color: var(--faint); }
td:first-child { font-family: var(--f-display); font-size: 1.35rem; color: var(--ink); }
td:nth-child(2) { color: var(--ink); font-weight: 600; }
td:last-child { color: var(--muted); }

/* ── faq ───────────────────────────────────────────────────────────────── */
.faq-split { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: clamp(2rem, 1rem + 4vw, 5rem); align-items: start; }
.faq-split .sec-head p { margin-bottom: 22px; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; position: relative; padding: 24px 44px 24px 0; font-family: var(--f-display); font-size: clamp(1.45rem, 1.2rem + 0.8vw, 1.85rem); line-height: 1.2; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 4px; top: 50%; transform: translateY(-50%); font-family: var(--f-text); font-size: 1.6rem; font-weight: 300; color: var(--muted); transition: transform 0.2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 44px 26px 0; color: var(--muted); max-width: 64ch; }

/* ── branches, about, contact, apply ───────────────────────────────────── */
.branch-map { height: 130px; margin: -28px -28px 24px; border-radius: var(--r-card) var(--r-card) 0 0; background: var(--canvas-2); overflow: hidden; }
.branch-map svg { width: 100%; height: 100%; fill: none; stroke: var(--line-strong); stroke-width: 1.5; }
.branch-map circle { fill: var(--gold); stroke: var(--surface); stroke-width: 3; }
.branch h2 { font-size: 2.4rem; }
.branch-area { font-family: var(--f-label); font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--eyebrow); margin: 8px 0 12px; }
.branch dl { margin: 18px 0 22px; display: grid; border-top: 1px solid var(--line); }
.branch dl div { display: grid; grid-template-columns: 76px 1fr; gap: 10px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: 0.93rem; }
.branch dt { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--faint); padding-top: 3px; }
.branch dd { margin: 0; color: var(--ink); }
.story { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: clamp(2rem, 1rem + 4vw, 5rem); align-items: start; }
.story-text { display: grid; gap: 18px; font-size: 1.12rem; }
.story-text h2 { font-size: 2.8rem; }

.apply { display: grid; grid-template-columns: 1.5fr 0.8fr; gap: 24px; align-items: start; }
.form { display: grid; gap: 22px; padding: clamp(1.5rem, 1rem + 1.5vw, 2.5rem); }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 8px; }
.field > span, .field-label { font-family: var(--f-label); font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); }
.field i { font-style: normal; text-transform: none; letter-spacing: 0; color: var(--faint); }
input:not([type="radio"]):not([type="checkbox"]):not([type="range"]), select, textarea { width: 100%; height: 52px; padding: 0 16px; border-radius: var(--r-field); border: 1px solid transparent; background: var(--field); color: var(--ink); font: inherit; font-size: 1rem; transition: box-shadow 0.15s, background 0.15s; }
input:focus, select:focus, textarea:focus { outline: none; box-shadow: 0 0 0 2px var(--btn-bg); }
input::placeholder { color: var(--faint); }
.field.bad input { box-shadow: 0 0 0 2px var(--bad); }
.err { color: var(--bad); font-size: 0.85rem; }
.form-alert { padding: 14px 16px; border-radius: 12px; background: var(--bad-soft); color: var(--bad); font-weight: 600; }
.seg { border: 0; margin: 0; padding: 4px; display: grid; grid-template-columns: 1fr 1fr; gap: 4px; background: var(--field); border-radius: 999px; }
.seg label { cursor: pointer; } .seg input { position: absolute; opacity: 0; }
.seg span { display: block; text-align: center; padding: 11px 6px; border-radius: 999px; font-weight: 600; font-size: 0.93rem; white-space: nowrap; color: var(--muted); }
.seg input:checked + span { background: var(--ink); color: var(--canvas); }
.seg input:focus-visible + span { outline: 2px solid var(--gold); }
.loan-only { display: grid; gap: 14px; }
form:has(input[name="intent"][value="question"]:checked) .loan-only { display: none; }
.choice { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.choice label { cursor: pointer; } .choice input { position: absolute; opacity: 0; }
.choice span { display: grid; gap: 3px; height: 100%; padding: 14px; border-radius: 14px; border: 1px solid var(--line-strong); }
.choice b { font-size: 0.93rem; } .choice small { font-size: 0.74rem; color: var(--faint); }
.choice input:checked + span { border-color: var(--ink); background: var(--ink); }
.choice input:checked + span b { color: var(--canvas); } .choice input:checked + span small { color: color-mix(in srgb, var(--canvas) 65%, transparent); }
.choice input:focus-visible + span { outline: 2px solid var(--gold); }
.check { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; font-size: 0.93rem; cursor: pointer; color: var(--muted); }
.check input { width: 19px; height: 19px; margin: 3px 0 0; accent-color: var(--btn-bg); }
.check.bad span { color: var(--bad); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.apply-aside { display: grid; gap: 16px; position: sticky; top: 96px; }
.apply-aside h3 { font-size: 1.8rem; }
.ticks { list-style: none; padding: 0; margin: 14px 0 0; border-top: 1px solid var(--line); }
.ticks li { padding: 11px 0; border-bottom: 1px solid var(--line); display: flex; gap: 10px; color: var(--text); }
.ticks li::before { content: '✓'; color: var(--ok); font-weight: 700; }
.card-dark { background: var(--ink); border-color: var(--ink); color: color-mix(in srgb, var(--canvas) 70%, transparent); }
.card-dark h3, .card-dark b { color: var(--canvas); }
.card-dark p { color: color-mix(in srgb, var(--canvas) 70%, transparent); margin-bottom: 12px; }
.card-dark .link-arrow { color: var(--gold); }
.done-card { grid-column: 1 / -1; max-width: 640px; margin: 0 auto; padding: 56px 32px; text-align: center; }
.done-card h2 { font-size: 3rem; margin: 20px 0 12px; }
.done-card .row-actions { justify-content: center; }
.done-ico { width: 72px; height: 72px; margin: 0 auto; border-radius: 50%; display: grid; place-items: center; background: var(--canvas-2); }
.done-ico svg { width: 32px; height: 32px; fill: none; stroke: var(--ok); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }

/* ── footer ────────────────────────────────────────────────────────────── */
.ftr { position: relative; background: var(--band); color: var(--on-band-muted); padding-bottom: 32px; }
.ftr::before { content: ''; position: absolute; left: 0; right: 0; top: -69px; height: 70px; pointer-events: none; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath d='M0 70 Q240 20 480 62 T960 52 T1440 40 V120 H0Z' fill='%23141210'/%3E%3C/svg%3E") center bottom / 100% 100% no-repeat; }
[data-theme="dark"] .ftr::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath d='M0 70 Q240 20 480 62 T960 52 T1440 40 V120 H0Z' fill='%2308080A'/%3E%3C/svg%3E"); }
.ftr a { color: var(--on-band-muted); text-decoration: none; } .ftr a:hover { color: var(--on-band); }
.ftr-cta { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; padding: 24px 0 56px; border-bottom: 1px solid var(--on-band-line); }
.ftr-cta h2 { color: var(--on-band); font-size: clamp(2.6rem, 1.8rem + 3vw, 4.4rem); }
.ftr-cta p { margin-top: 8px; font-size: 1.05rem; }
.ftr-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.ftr .btn-gold, .ftr .btn-gold:hover { color: var(--btn-ink); }
.ftr .btn-onDark, .ftr .btn-onDark:hover { color: var(--on-band); }
.ftr-grid { display: grid; grid-template-columns: 1.6fr repeat(4, 1fr); gap: 32px; padding: 52px 0 40px; }
.ftr-grid h3 { font-family: var(--f-label); font-size: 0.68rem; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--on-band); margin-bottom: 16px; }
.ftr-grid nav { display: grid; gap: 10px; align-content: start; font-size: 0.93rem; }
.ftr-brand { display: grid; gap: 18px; align-content: start; }
.ftr-brand p { max-width: 30ch; font-family: var(--f-display); font-style: italic; font-size: 1.45rem; line-height: 1.2; color: var(--on-band); }
.ftr .logo-dark, .ftr .logo-dark b { color: var(--on-band); }
.ftr .logo-dark small { color: var(--on-band-muted); }
.paybill-chip { justify-self: start; display: inline-grid; grid-template-columns: auto auto; column-gap: 14px; align-items: baseline; padding: 14px 18px; border-radius: 16px; border: 1px solid var(--on-band-line); }
.paybill-chip span { font-family: var(--f-label); font-size: 0.64rem; letter-spacing: 0.14em; text-transform: uppercase; }
.paybill-chip b { font-family: var(--f-display); font-weight: 400; font-size: 1.9rem; line-height: 1; color: var(--gold); }
.paybill-chip small { grid-column: 1 / -1; font-family: var(--f-label); font-size: 0.68rem; margin-top: 4px; }
.ftr-legal { border-top: 1px solid var(--on-band-line); padding-top: 24px; display: grid; gap: 14px; font-size: 0.82rem; line-height: 1.6; }
.ftr-copy { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; font-family: var(--f-label); font-size: 0.68rem; letter-spacing: 0.06em; }

/* ── legal documents (existing markup) ─────────────────────────────────── */
.legal-hero { width: min(var(--wrap), 100% - 2.5rem); margin: 0 auto; padding: clamp(3rem, 2rem + 4vw, 6rem) 0 32px; }
.legal-breadcrumb { display: flex; gap: 8px; font-family: var(--f-label); font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--faint); margin-bottom: 20px; }
.legal-breadcrumb a { color: var(--faint); text-decoration: none; }
.legal-hero h1 { font-size: clamp(2.6rem, 1.6rem + 4vw, 4.6rem); margin-bottom: 14px; }
.legal-hero p { color: var(--muted); max-width: 60ch; font-size: 1.1rem; }
.legal-layout { width: min(var(--wrap), 100% - 2.5rem); margin: 0 auto clamp(4rem, 3rem + 4vw, 7rem); display: grid; grid-template-columns: 260px 1fr; gap: 56px; align-items: start; }
.legal-rail { position: sticky; top: 96px; max-height: calc(100vh - 120px); overflow: auto; display: grid; gap: 12px; padding-right: 8px; }
.legal-rail > span { font-family: var(--f-label); font-size: 0.66rem; letter-spacing: 0.14em; color: var(--faint); }
.legal-rail nav { display: grid; border-top: 1px solid var(--line); }
.legal-rail nav a { padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 0.82rem; color: var(--muted); text-decoration: none; text-transform: lowercase; }
.legal-rail nav a::first-letter { text-transform: uppercase; }
.legal-rail nav a:hover { color: var(--ink); }
.legal-contact { margin-top: 6px; font-size: 0.9rem; }
.legal-document { max-width: 46rem; color: var(--text); line-height: 1.75; }
.legal-document h2 { font-size: 2.1rem; margin: 48px 0 14px; scroll-margin-top: 96px; }
.legal-document h3 { font-size: 1.5rem; margin: 28px 0 10px; }
.legal-document p { margin: 0 0 14px; }
.doc-label { display: block; margin-top: 40px; }
.doc-rule { border: 0; border-top: 1px solid var(--line); margin: 32px 0; }
.doc-list { padding-left: 1.2em; margin: 0 0 16px; } .doc-list li { margin-bottom: 6px; }
.doc-check { list-style: none; padding-left: 0; } .doc-check li::before { content: '✓  '; color: var(--ok); font-weight: 700; }

/* ── motion ────────────────────────────────────────────────────────────── */
.motion [data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.motion [data-reveal].in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }

/* ── responsive ────────────────────────────────────────────────────────── */
@media (max-width: 1080px) {
  .cards.products { grid-template-columns: repeat(2, 1fr); }
  .prow { grid-template-columns: 1fr 1fr; } .prow-eg { grid-column: 1 / -1; grid-template-columns: auto 1fr auto; align-items: center; }
  .ftr-grid { grid-template-columns: repeat(2, 1fr); } .ftr-brand { grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  .hero-in, .repay-split, .faq-split, .story, .apply, .calc-in, .repay-grid { grid-template-columns: 1fr; }
  .hero-art { padding-top: 12px; }
  .fc-1 { left: 0; } .fc-2 { right: 0; }
  .pillars, .cards.three, .cards.two { grid-template-columns: 1fr; }
  .ruled { grid-template-columns: 1fr; }
  .mpesa { justify-self: stretch; max-width: none; }
  .legal-layout { grid-template-columns: 1fr; } .legal-rail { position: static; max-height: 280px; }
  .apply-aside { position: static; }
}
@media (max-width: 600px) {
  .wrap { width: calc(100% - 2rem); }
  .hdr-in { height: 64px; gap: 12px; } .nav { inset: 64px 0 auto 0; max-height: calc(100dvh - 64px); }
  .logo b { font-size: 1.35rem; } .logo img { width: 32px; height: 32px; }
  .hero-cta .btn { flex: 1 1 100%; }
  .phone { width: 270px; }
  .float-card { display: none; }
  .pillar { padding: 24px; }
  .cards.products { grid-template-columns: 1fr; }
  .calc-tabs { grid-template-columns: 1fr; } .calc-tabs button { grid-template-columns: 1fr auto; align-items: center; }
  .prow { grid-template-columns: 1fr; gap: 20px; } .prow-eg { grid-template-columns: 1fr; }
  .grid2 { grid-template-columns: 1fr; } .choice { grid-template-columns: 1fr 1fr; }
  .ftr-cta-actions, .ftr-cta-actions .btn { width: 100%; }
  .ftr-grid { grid-template-columns: 1fr 1fr; gap: 28px 20px; }
  .card { padding: 22px; } .branch-map { margin: -22px -22px 20px; }
  .ruled li { grid-template-columns: 40px 1fr; }
}

/* dark: the phone needs an edge to stand off the ink, and the hills only a whisper */
[data-theme="dark"] .phone { background: #1A1A1D; box-shadow: var(--shadow-lg), inset 0 0 0 1px rgba(255, 255, 255, 0.14); }
[data-theme="dark"] .hero::after { opacity: 0.45; }

/* the Account button is a dropdown trigger but must keep the solid button look */
.acct .acct-btn, .acct .acct-btn:hover { color: var(--btn-ink); background: var(--btn-bg); border-radius: 999px; padding: 0 16px 0 14px; font-size: 0.92rem; font-weight: 600; box-shadow: var(--btn-glow); }
.acct .acct-btn:hover { background: var(--green-hover); }
[data-theme="dark"] .acct .acct-btn:hover { background: #22913F; }
.acct .acct-btn svg { opacity: 1; }