/* Theme */
:root{
  --brand:#136f63;
  --brand-2:#0ea5a6;
  --ink:#0f172a;
  --muted:#6b7280;
  --bg:#ffffff;
  --light:#f6f8fb;
  --border:#e5e7eb;
  --topbar-h: 34px;
  --nav-h: 64px;
}
*{box-sizing:border-box}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}

/***** Header *****/
.topbar{background:linear-gradient(90deg,var(--brand),#0f5e55);position:fixed;top:0;left:0;right:0;z-index:1040;height:var(--topbar-h);display:flex;align-items:center}
.navbar-glass{background:rgba(255,255,255,.75)!important;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid rgba(229,231,235,.6);top:var(--topbar-h)!important}
.main-nav{min-height:var(--nav-h)}
.main-nav.scrolled{box-shadow:0 8px 24px rgba(2,8,20,.08)!important;background:#fff!important}
.navbar .nav-link{color:#334155;position:relative;padding:.65rem 1rem}
.nav-underline .nav-link::after{content:"";position:absolute;left:1rem;right:1rem;bottom:.4rem;height:2px;background:linear-gradient(90deg,var(--brand),var(--brand-2));transform:scaleX(0);transform-origin:left;transition:transform .2s ease}
.nav-underline .nav-link:hover::after,.nav-underline .nav-link.active::after{transform:scaleX(1)}
.logo-mark{width:28px;height:28px;border-radius:8px;background:linear-gradient(135deg,var(--brand),var(--brand-2))}
.btn-brand{background:var(--brand);color:#fff;border:1px solid var(--brand)}
.btn-brand:hover{background:#0f5e55;border-color:#0f5e55;color:#fff}
.btn-outline-brand{border:1px solid var(--brand);color:var(--brand)}
.btn-outline-brand:hover{background:var(--brand);color:#fff}
.btn-ghost{border:1px solid var(--border);background:#fff;color:var(--ink)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-cta{background:linear-gradient(90deg,var(--brand),var(--brand-2));color:#fff;border:0}
.btn-cta:hover{filter:brightness(.95);color:#fff}
.bg-brand{background:var(--brand)}
.bg-soft-brand{background:rgba(19,111,99,.1)}

/***** Hero *****/
.hero{padding-top:calc(var(--topbar-h) + var(--nav-h) + 1.25rem);padding-bottom:3rem;background:radial-gradient(1200px 600px at -10% -10%, rgba(14,165,166,.15), transparent),radial-gradient(1200px 600px at 110% -10%, rgba(19,111,99,.12), transparent)}
.hero .hero-card{background:#fff;border:1px solid var(--border);border-radius:1rem;padding:1.5rem}
.fw-extrabold{font-weight:800}

/* Colorful variations for About */
.hero-alt{padding-top:calc(var(--topbar-h) + var(--nav-h) + 1.25rem);padding-bottom:3rem;background:radial-gradient(900px 450px at -10% -20%, rgba(14,165,166,.18), transparent),radial-gradient(1000px 500px at 110% -10%, rgba(19,111,99,.15), transparent),radial-gradient(800px 400px at 50% 120%, rgba(19,111,99,.08), transparent)}
.section-accent{background:linear-gradient(180deg, rgba(14,165,166,.08), rgba(19,111,99,.05))}
.heading-underline{position:relative;display:inline-block}
.heading-underline::after{content:"";display:block;height:4px;width:72px;background:linear-gradient(90deg,var(--brand),var(--brand-2));border-radius:4px;margin-top:.5rem}

/***** Features *****/
.feature{padding:1rem}
.feature-icon{font-size:1.5rem;line-height:1}
.card-hover{transition:transform .2s ease, box-shadow .2s ease}
.card-hover:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(2,8,20,.08)}

/***** Loan cards *****/
.loan-card{position:relative;display:flex;flex-direction:column;gap:.25rem;padding:1.25rem;border:1px solid var(--border);border-radius:1rem;background:#fff;transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease}
.loan-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(2,8,20,.08);border-color:rgba(19,111,99,.35)}
.loan-card::before{content:"";position:absolute;inset:0;border-radius:1rem;padding:1px;background:linear-gradient(135deg, rgba(19,111,99,.5), rgba(14,165,166,.2));-webkit-mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:.0;transition:opacity .2s ease}
.loan-card:hover::before{opacity:.6}
.loan-icon{width:44px;height:44px;border-radius:.75rem;background:rgba(19,111,99,.1);color:var(--brand);display:inline-flex;align-items:center;justify-content:center;margin-bottom:.25rem}
.loan-list{list-style:none;padding-left:0;margin:0 0 1rem}
.loan-list li{position:relative;padding-left:1.25rem;color:var(--muted);margin:.35rem 0}
.loan-list li::before{content:'✔';position:absolute;left:0;top:0;color:var(--brand);font-weight:700;}

/***** Contact page *****/
.contact-card{border:1px solid var(--border);background:#fff;border-radius:.9rem;padding:1rem;display:flex;flex-direction:column;gap:.1rem;align-items:flex-start}
.icon-circle{width:40px;height:40px;border-radius:10px;background:rgba(19,111,99,.1);color:var(--brand);display:inline-flex;align-items:center;justify-content:center;margin-bottom:.25rem}
.form-card{border:1px solid var(--border);border-radius:1rem;background:#fff;padding:1.25rem;box-shadow:0 8px 24px rgba(2,8,20,.05)}
.form-card .form-control:focus,.form-card .form-select:focus{box-shadow:none;border-color:var(--brand)}
.map-card{border:1px solid var(--border);border-radius:1rem;background:#fff;padding:1.25rem}
/***** Sections *****/
.page{padding-top:calc(var(--topbar-h) + var(--nav-h))}
.info-tile{background:#fff;border:1px solid var(--border);border-radius:.75rem;padding:1.25rem;color:var(--muted)}
section[id]{scroll-margin-top:96px}

/***** Footer *****/
footer a{text-decoration:none}
.footer .social{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border:1px solid var(--border);border-radius:50%;color:var(--brand);transition:all .2s ease}
.footer .social:hover{background:var(--brand);color:#fff;border-color:var(--brand);transform:translateY(-2px)}
.footer .form-control:focus{box-shadow:none;border-color:var(--brand)}

/***** Chip nav *****/
.chip-nav{display:flex;flex-wrap:wrap;gap:.5rem}
.chip{display:inline-flex;align-items:center;border:1px solid var(--border);background:#fff;color:var(--ink);padding:.4rem .75rem;border-radius:9999px;text-decoration:none;font-size:.9rem}
.chip:hover{border-color:var(--brand);color:var(--brand);box-shadow:0 4px 12px rgba(2,8,20,.06)}
.chip.active{border-color:var(--brand);color:#fff;background:var(--brand)}

/***** Utilities *****/
.lead{font-weight:500}
.badge{padding:.6rem .75rem;border-radius:.5rem}
.small{font-size:.925rem}
.bg-soft-brand{background:rgba(19,111,99,.1)}
.result-card{border:1px solid var(--border);border-radius:.75rem;background:#fff;padding:1rem}
.testimonial-card{min-height:120px}
.gallery-item{width:100%;padding-top:66%;border-radius:1rem;background:linear-gradient(135deg, rgba(19,111,99,.15), rgba(14,165,166,.12));border:1px solid var(--border)}
.job-card{min-height:80px}

/***** About page extras *****/
.badge-tile{border:1px dashed var(--border);background:#fff;border-radius:.75rem;padding:.9rem 1rem;font-weight:600;color:var(--ink)}
.partner-tile{border:1px solid var(--border);background:#fff;border-radius:.75rem;padding:1rem;text-align:center;color:var(--muted)}
.stat{padding:1rem;border:1px solid var(--border);border-radius:.75rem;background:#fff}
.stat-num{font-weight:800;font-size:2rem;color:var(--brand);line-height:1}
.stat-label{color:var(--muted);font-size:.9rem}
.check-list{padding-left:0;list-style:none}
.check-list li{position:relative;padding-left:1.5rem;margin:.4rem 0;color:var(--ink)}
.check-list li::before{content:'✓';position:absolute;left:0;top:0;color:var(--brand);font-weight:700}
.step{display:flex;gap:.75rem;align-items:flex-start}
.step-index{width:32px;height:32px;display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:rgba(19,111,99,.1);color:var(--brand);font-weight:700;flex:0 0 32px}
.avatar{width:56px;height:56px;border-radius:50%;background:rgba(19,111,99,.1);display:inline-flex;align-items:center;justify-content:center;font-weight:700;color:var(--brand)}
.card-muted{background:#fff;border:1px solid var(--border);border-radius:.75rem}
.quote-card{position:relative;border:1px solid var(--border);background:linear-gradient(180deg,#fff,#fafcfd);border-radius:1rem}
.quote-mark{position:absolute;top:-16px;left:-8px;width:40px;height:40px;border-radius:50%;background:rgba(19,111,99,.1);color:var(--brand);display:flex;align-items:center;justify-content:center;font-size:28px;font-weight:800}