/* ── root ── */
        :root {
            --green: #2FB84E;
            --green-dark: #1E7A34;
            --green-light: #7FE38A;
            --ink: #0B0F0D;
            --ink-soft: #1B231D;
            --paper: #FAFAF7;
            --line: #E4E6E1;
            --muted: #5B655C;
            --red: #C43B2E;
            --radius: 14px;
        }
        * {
            box-sizing: border-box;
            margin: 0;
            padding: 0;
        }
        html {
            scroll-behavior: smooth;
        }
        body {
            font-family: 'Inter', sans-serif;
            color: var(--ink);
            background: var(--paper);
            line-height: 1.6;
            overflow-x: hidden;
        }
        h1,
        h2,
        h3,
        h4,
        h5,
        h6 {
            font-family: 'Poppins', sans-serif;
            font-weight: 600;
            letter-spacing: -0.02em;
        }
        a {
            text-decoration: none;
            color: inherit;
        }
        img {
            display: block;
            max-width: 100%;
        }
        .wrap {
            max-width: 1180px;
            margin: 0 auto;
            padding: 0 24px;
        }
        .btn {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: var(--ink);
            color: #fff;
            padding: 14px 26px;
            border-radius: 999px;
            font-weight: 600;
            font-size: 15px;
            border: none;
            cursor: pointer;
            transition: transform .18s ease, background .18s ease;
        }
        .btn:hover {
            background: var(--green-dark);
            transform: translateY(-2px);
        }
        .btn.green {
            background: var(--green);
        }
        .btn.green:hover {
            background: var(--green-dark);
        }

        /* ── header ── */
        header {
            position: sticky;
            top: 0;
            z-index: 50;
            background: rgba(250, 250, 247, 0.95);
            backdrop-filter: blur(10px);
            border-bottom: 1px solid var(--line);
        }
        .nav {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 20px 24px;
            position: relative;
        }
        .brand {
            display: flex;
            align-items: center;
            gap: 10px;
            font-family: 'Poppins';
            font-weight: 800;
            font-size: 19px;
        }
        .brand .mark {
            width: auto;
            height: auto;
            display: flex;
            align-items: center;
            justify-content: center;
            border-radius: 0;
            overflow: visible;
        }
        .brand .mark img {
            width: 100px;
            height: auto;
            max-height: 130px;
            object-fit: contain;
            border-radius: 0;
        }
        .brand .sub {
            color: var(--green-dark);
        }
        .navlinks {
            display: flex;
            gap: 32px;
            font-weight: 500;
            font-size: 15px;
        }
        .navlinks a {
            position: relative;
            padding: 4px 0;
            color: var(--ink-soft);
        }
        .navlinks a.active {
            color: var(--green-dark);
        }
        .navlinks a.active::after {
            content: '';
            position: absolute;
            left: 0;
            bottom: -4px;
            width: 100%;
            height: 2px;
            background: var(--green);
        }
        .navcta .btn {
            padding: 11px 22px;
            font-size: 14px;
        }

        /* hamburger */
        .hamburger {
            display: none;
            flex-direction: column;
            justify-content: center;
            align-items: center;
            gap: 5px;
            width: 40px;
            height: 40px;
            background: transparent;
            border: 1px solid var(--line);
            border-radius: 8px;
            cursor: pointer;
            z-index: 60;
        }
        .hamburger span {
            display: block;
            width: 20px;
            height: 2px;
            background: var(--ink);
            transition: transform .25s ease, opacity .25s ease;
        }
        .hamburger.open span:nth-child(1) {
            transform: translateY(7px) rotate(45deg);
        }
        .hamburger.open span:nth-child(2) {
            opacity: 0;
        }
        .hamburger.open span:nth-child(3) {
            transform: translateY(-7px) rotate(-45deg);
        }

        .mobile-menu {
            display: none;
            flex-direction: column;
            background: #fff;
            border-top: 1px solid var(--line);
            padding: 10px 24px 20px;
        }
        .mobile-menu a {
            padding: 12px 0;
            font-size: 15.5px;
            font-weight: 500;
            color: var(--ink-soft);
            border-bottom: 1px solid var(--line);
        }
        .mobile-menu a:last-of-type {
            border-bottom: none;
        }
        .mobile-menu.open {
            display: flex;
        }

        /* ── top notice ── */
        .top-notice {
            background: var(--ink);
            color: #fff;
            text-align: center;
            padding: 12px 16px;
            font-size: 13.5px;
        }
        .top-notice b {
            color: var(--green-light);
            font-weight: 600;
        }

        /* ── hero ── */
        .hero {
            padding: 30px 0 60px;
            background: radial-gradient(600px 300px at 85% -10%, rgba(47, 184, 78, 0.14), transparent 60%), var(--paper);
        }
        .hero-grid {
            display: grid;
            grid-template-columns: 1.05fr 0.95fr;
            gap: 50px;
            align-items: stretch;
        }
        .eyebrow {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            color: var(--green-dark);
            font-weight: 600;
            font-size: 13px;
            letter-spacing: .06em;
            text-transform: uppercase;
            background: rgba(47, 184, 78, 0.1);
            padding: 6px 14px;
            border-radius: 999px;
            margin-bottom: 16px;
            width: fit-content;
        }
        .hero h3 {
            font-size: 38px;
            line-height: 1.15;
            margin-bottom: 14px;
        }
        .hero h3 .focus {
            color: var(--green-dark);
        }
        .hero p.desc {
            color: var(--muted);
            font-size: 16.5px;
            max-width: 520px;
            margin-bottom: 24px;
        }
        .stats-row {
            display: flex;
            gap: 28px;
            flex-wrap: wrap;
            margin: 26px 0 8px;
            align-items: center;
        }
        .stats-row .badge {
            display: flex;
            flex-direction: column;
            align-items: flex-start;
            font-size: 13px;
            color: var(--muted);
        }
        .stats-row img {
            max-width: 150px;
        }

        .hero-mini-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 10px;
            margin-top: 22px;
            max-width: 480px;
        }
        .hero-mini-card {
            background: #fff;
            border: 1px solid var(--line);
            border-radius: 10px;
            overflow: hidden;
            text-align: center;
            transition: .2s;
        }
        .hero-mini-card img {
            width: 100%;
            height: 130px;
            object-fit: cover;
        }
        .hero-mini-card span {
            display: block;
            padding: 8px 6px;
            font-size: 11px;
            font-weight: 600;
            color: var(--ink-soft);
            line-height: 1.3;
        }
        .hero-mini-card:hover {
            transform: translateY(-2px);
            box-shadow: 0 8px 18px -10px rgba(11, 15, 13, 0.3);
        }

        /* ── form ── */
        .formcard {
            background: #fff;
            border: 1px solid var(--line);
            border-radius: var(--radius);
            padding: 28px;
            box-shadow: 0 20px 50px -20px rgba(11, 15, 13, 0.18);
            max-height: 600px;
            overflow-y: auto;
        }
        .formcard::-webkit-scrollbar {
            width: 6px;
        }
        .formcard::-webkit-scrollbar-thumb {
            background: var(--line);
            border-radius: 10px;
        }
        .formcard::-webkit-scrollbar-thumb:hover {
            background: var(--green);
        }
        .formcard .form-title {
            font-size: 24px;
            text-align: center;
            margin-bottom: 6px;
        }
        .formcard .form-sub {
            text-align: center;
            color: var(--muted);
            font-size: 13.5px;
            margin-bottom: 18px;
        }
        .formcard .form-sub b {
            color: var(--red);
            display: block;
            margin-top: 6px;
            font-weight: 600;
        }
        .field {
            margin-bottom: 14px;
        }
        .field label {
            display: block;
            font-size: 13.5px;
            font-weight: 600;
            margin-bottom: 6px;
            color: var(--ink-soft);
        }
        .field input,
        .field select,
        .field textarea {
            width: 100%;
            padding: 12px 14px;
            border: 1px solid var(--line);
            border-radius: 8px;
            font-size: 14px;
            font-family: 'Inter';
            background: #FBFBF9;
            color: var(--ink);
        }
        .field textarea {
            resize: vertical;
            min-height: 80px;
        }
        .field input:focus,
        .field select:focus,
        .field textarea:focus {
            outline: 2px solid var(--green);
            outline-offset: 1px;
        }
        .row2 {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 14px;
        }
        .formcard .submit-btn {
            width: 100%;
            justify-content: center;
            margin-top: 6px;
            padding: 14px;
            background: var(--green-dark);
            color: #fff;
            border-radius: 8px;
            font-weight: 600;
            font-size: 15.5px;
            border: none;
            cursor: pointer;
        }
        .formcard .submit-btn:hover {
            background: var(--ink);
        }

        /* ── loan grid ── */
        .loan-grid-section {
            padding: 0 0 50px;
        }
        .loan-grid-container {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 18px;
            max-width: 1000px;
            margin: 0 auto;
        }
        .loan-card {
            background: #fff;
            border: 1px solid var(--line);
            border-radius: 12px;
            overflow: hidden;
            text-align: center;
            transition: .3s;
        }
        .loan-card img {
            width: 100%;
            height: 170px;
            object-fit: cover;
        }
        .loan-card h4 {
            padding: 14px 12px;
            font-size: 15px;
            font-weight: 600;
            color: var(--ink);
        }
        .loan-card:hover {
            box-shadow: 0 10px 26px -14px rgba(11, 15, 13, 0.25);
            transform: translateY(-3px);
        }

        /* ── trust ── */
        .trust {
            background: var(--ink);
            color: #fff;
            padding: 40px 0;
            text-align: center;
        }
        .trust h2 {
            font-size: 26px;
            margin-bottom: 26px;
        }
        .trust .row {
            display: flex;
            justify-content: center;
            gap: 60px;
            flex-wrap: wrap;
        }
        .trust .row b {
            display: block;
            font-family: 'Poppins';
            font-size: 32px;
            color: var(--green-light);
        }
        .trust .row span {
            font-size: 13px;
            color: #C9CFC8;
        }
        .redline {
            text-align: center;
            color: var(--red);
            font-weight: 600;
            font-size: 14.5px;
            padding: 24px 0;
        }

        /* ── shield ── */
        .shield {
            padding: 50px 0;
        }
        .shield-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
            align-items: center;
        }
        .shield h3 {
            font-size: 30px;
            margin-bottom: 16px;
        }
        .shield p {
            color: var(--muted);
            font-size: 15px;
        }
        .shield img {
            width: 100%;
            height: auto;
            max-width: 550px;
            border-radius: var(--radius);
            box-shadow: 0 20px 50px -20px rgba(11, 15, 13, 0.25);
            margin: 0 auto;
        }
        .center {
            text-align: center;
            margin-top: 30px;
        }

        /* ── services ── */
        .services {
            padding: 50px 0;
            background: #fff;
            border-top: 1px solid var(--line);
            border-bottom: 1px solid var(--line);
        }
        .section-head {
            text-align: center;
            max-width: 640px;
            margin: 0 auto 40px;
        }
        .section-head h3 {
            font-size: 30px;
            margin-bottom: 10px;
        }
        .section-head p {
            color: var(--muted);
            font-size: 15.5px;
        }
        .svc-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 22px;
        }
        .svc-card {
            border-radius: var(--radius);
            overflow: hidden;
            background: var(--paper);
            border: 1px solid var(--line);
            transition: .2s;
        }
        .svc-card img {
            width: 100%;
            height: 190px;
            object-fit: cover;
        }
        .svc-card .content {
            padding: 20px;
        }
        .svc-card .icon {
            width: 38px;
            height: 38px;
            border-radius: 9px;
            background: var(--ink);
            color: var(--green-light);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 16px;
            margin-bottom: 12px;
        }
        .svc-card h5 {
            font-size: 17px;
            margin-bottom: 8px;
        }
        .svc-card p {
            color: var(--muted);
            font-size: 13.5px;
        }
        .svc-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 16px 30px -18px rgba(11, 15, 13, 0.25);
            border-color: var(--green);
        }

        /* ── reviews ── */
        .reviews {
            padding: 56px 0;
        }
        .rev-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 20px;
        }
        .rev-card {
            background: #fff;
            border: 1px solid var(--line);
            border-radius: var(--radius);
            padding: 22px;
        }
        .rev-card .stars {
            color: #F2A70D;
            margin-bottom: 10px;
            font-size: 14px;
        }
        .rev-card p {
            color: var(--ink-soft);
            font-size: 14px;
            margin-bottom: 14px;
        }
        .rev-who b {
            display: block;
            font-size: 14px;
        }
        .rev-who span {
            color: var(--muted);
            font-size: 12.5px;
        }

        /* ── process ── */
        .loan-process {
            max-width: 1000px;
            margin: auto;
            padding: 60px 24px;
        }
        .loan-process h6 {
            text-align: center;
            color: var(--green-dark);
            letter-spacing: 2px;
            font-weight: 600;
            margin-bottom: 10px;
            font-size: 13px;
        }
        .loan-process h2 {
            text-align: center;
            font-size: 30px;
            margin-bottom: 60px;
        }
        .timeline {
            position: relative;
            margin-top: 30px;
        }
        .timeline::before {
            content: '';
            position: absolute;
            left: 24px;
            top: 0;
            width: 2px;
            height: 100%;
            background: var(--line);
        }
        .timeline-item {
            display: flex;
            align-items: flex-start;
            margin-bottom: 50px;
            position: relative;
        }
        .timeline-number {
            min-width: 48px;
            height: 48px;
            background: var(--green);
            color: #fff;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 700;
            font-size: 17px;
            margin-right: 26px;
            z-index: 1;
        }
        .timeline-content h3 {
            font-size: 19px;
            margin-bottom: 8px;
        }
        .timeline-content p {
            color: var(--muted);
            font-size: 14.5px;
        }

        /* ── benefits ── */
        .benefits {
            padding: 50px 0;
            background: #fff;
            border-top: 1px solid var(--line);
            border-bottom: 1px solid var(--line);
        }
        .benefit-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 22px;
        }
        .benefit {
            text-align: center;
            padding: 10px;
        }
        .benefit .icon {
            width: 54px;
            height: 54px;
            border-radius: 14px;
            background: rgba(47, 184, 78, 0.12);
            color: var(--green-dark);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 22px;
            margin: 0 auto 14px;
        }
        .benefit h5 {
            font-size: 16px;
            margin-bottom: 8px;
        }
        .benefit p {
            color: var(--muted);
            font-size: 13.5px;
        }

        /* ── faq ── */
        .faq-container {
            max-width: 900px;
            margin: 60px auto;
            padding: 0 24px;
        }
        .faq-header {
            text-align: center;
            margin-bottom: 40px;
        }
        .faq-title {
            font-size: 30px;
            color: var(--green-dark);
        }
        .faq-item {
            background: #fff;
            border: 1px solid var(--line);
            border-radius: 12px;
            margin-bottom: 14px;
            overflow: hidden;
            transition: .3s;
        }
        .faq-question {
            padding: 19px 22px;
            font-size: 15px;
            font-weight: 600;
            cursor: pointer;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }
        .faq-question i {
            color: var(--green-dark);
            transition: .3s;
        }
        .faq-item.active .faq-question i {
            transform: rotate(180deg);
        }
        .faq-answer {
            max-height: 0;
            overflow: hidden;
            transition: max-height .3s ease;
            color: var(--muted);
            font-size: 14.5px;
        }
        .faq-item.active .faq-answer {
            padding: 0 22px 22px;
        }

        /* ── consultant bar ── */
        .fixed-consultant-bar {
            position: fixed;
            bottom: 0;
            left: 0;
            width: 100%;
            background: var(--green-dark);
            text-align: center;
            z-index: 999;
        }
        .fixed-consultant-bar a {
            display: block;
            padding: 16px 0;
            color: #fff !important;
            font-size: 16px;
            font-weight: 600;
        }
        body {
            padding-bottom: 64px;
        }

        /* ── whatsapp ── */
        .whatsapp-float {
            position: fixed;
            right: 20px;
            bottom: 90px;
            width: 54px;
            height: 54px;
            background: #25D366;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.3);
            z-index: 998;
            color: #fff;
            font-size: 24px;
        }

        /* ── footer ── */
        footer {
            background: var(--ink);
            color: #C9CFC8;
            padding: 36px 0 0;
        }
        .foot-top {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 20px 24px;
            flex-wrap: wrap;
            gap: 14px;
            border-bottom: 1px solid rgba(255, 255, 255, 0.1);
            max-width: 1180px;
            margin: 0 auto;
        }
        .foot-top h2 {
            color: #fff;
            font-size: 16px;
            font-weight: 600;
        }
        .foot-links {
            display: flex;
            gap: 20px;
            font-size: 13.5px;
        }
        .foot-links a:hover {
            color: var(--green-light);
        }
        .foot-social {
            display: flex;
            gap: 14px;
            font-size: 14px;
        }
        .foot-social a {
            width: 32px;
            height: 32px;
            border-radius: 50%;
            background: rgba(255, 255, 255, 0.08);
            display: flex;
            align-items: center;
            justify-content: center;
        }
        .foot-social a:hover {
            background: var(--green);
        }
        .disclaimer {
            font-size: 11.5px;
            color: #6F786F;
            max-width: 1180px;
            margin: 0 auto;
            padding: 20px 24px;
            line-height: 1.7;
        }

        /* ── responsive ── */
        @media (max-width: 900px) {
            .navlinks {
                display: none;
            }
            .hamburger {
                display: flex;
            }
            .hero-grid,
            .shield-grid {
                grid-template-columns: 1fr;
            }
            .formcard {
                max-height: none;
            }
            .hero-mini-grid {
                max-width: 100%;
            }
            .trust .row {
                gap: 26px;
            }
            .svc-grid,
            .rev-grid,
            .loan-grid-container {
                grid-template-columns: 1fr;
            }
            .benefit-grid {
                grid-template-columns: 1fr 1fr;
            }
            .row2 {
                grid-template-columns: 1fr;
            }
            .hero h3 {
                font-size: 28px;
            }
            .shield img {
                max-width: 100%;
                height: auto;
            }
        }
        @media (max-width: 768px) {
            .brand .mark img {
                margin-left: 0;
                width: 150px;
                height: auto;
                max-height: 90px;
            }
            .nav {
                padding: 14px 20px;
            }
        }
        @media (max-width: 420px) {
            .brand .mark img {
                width: 120px;
                max-height: 72px;
            }
        }