:root{--blue:#0877b9;--green:#80be4b;--navy:#102a43;--ink:#243447;--muted:#64748b;--light:#f5f9fc;--line:#e3ebf2;--white:#fff;--shadow:0 18px 50px rgba(16,42,67,.09);--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}img{max-width:100%;display:block}a{color:var(--blue);text-decoration:none}button,input,select,textarea{font:inherit}.container{width:min(1160px,calc(100% - 40px));margin-inline:auto}.topbar{background:var(--navy);color:#dbeafe;font-size:12px}.topbar-inner{display:flex;justify-content:space-between;gap:18px;padding:7px 0}.topbar a{color:#fff;font-weight:700}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(226,235,242,.9)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:88px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:17px;font-weight:800;line-height:1.1;flex-shrink:0}.brand img{width:62px;height:62px;object-fit:contain;border-radius:12px}.brand b{color:var(--blue)}.brand small{display:block;margin-top:6px;color:var(--muted);font-size:10px;font-weight:500;letter-spacing:.4px}.primary-nav{display:flex;align-items:center;gap:20px}.primary-nav ul{display:flex;align-items:center;gap:18px;list-style:none;margin:0;padding:0}.primary-nav li a{color:#415468;font-size:12px;font-weight:700;white-space:nowrap}.primary-nav li a:hover,.primary-nav li a.active{color:var(--blue)}.menu-toggle{display:none;background:none;border:0;padding:8px}.menu-toggle i{display:block;width:24px;height:2px;background:var(--navy);margin:5px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 20px;border-radius:11px;font-weight:700;font-size:13px;border:1px solid transparent;transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer}.btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px #0877b926}.btn-primary{background:var(--blue);color:white}.btn-primary:hover{background:#06659d;color:#fff}.btn-light{background:#fff;color:var(--blue)}.btn-outline{border-color:#cbdce8;color:var(--navy);background:#fff}.nav-cta{padding:11px 16px;font-size:12px}.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#f5faff 0%,#fff 56%,#eef8e8 100%);padding:78px 0 76px}.hero:before{content:"";position:absolute;width:430px;height:430px;border-radius:50%;background:#80be4b17;right:-160px;top:-170px}.hero-grid{position:relative;display:grid;grid-template-columns:1.04fr .96fr;gap:56px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:9px;color:#548c2b;font-size:11px;letter-spacing:1.5px;font-weight:800;text-transform:uppercase}.eyebrow:before{content:"";width:24px;height:2px;background:var(--green)}h1,h2,h3,h4{line-height:1.18;color:var(--navy);margin:0 0 18px;letter-spacing:-.035em}h1{font-size:clamp(36px,4.4vw,58px);font-weight:800;max-width:680px}h2{font-size:clamp(27px,3vw,38px);font-weight:800}h3{font-size:19px;font-weight:750}p{margin:0 0 16px;color:#5a6c7f}.hero-copy>p{font-size:16px;max-width:570px;line-height:1.8}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}.trust-points{display:flex;flex-wrap:wrap;gap:16px;color:#486174;font-size:12px;font-weight:600}.trust-points span:before{content:"✓";color:#4b9624;font-weight:900;margin-right:7px}.hero-visual{position:relative;min-height:430px;display:flex;align-items:center;justify-content:center}.hero-visual img{width:100%;height:410px;object-fit:cover;border-radius:28px;box-shadow:var(--shadow)}.visual-card{position:absolute;left:-25px;bottom:25px;background:#fff;border-radius:16px;padding:17px 20px;box-shadow:var(--shadow);max-width:225px}.visual-card strong{display:block;color:var(--navy);font-size:15px}.visual-card span{font-size:11px;color:var(--muted)}.section{padding:82px 0}.section-soft{background:var(--light)}.section-heading{max-width:690px;margin:0 auto 38px;text-align:center}.section-heading .eyebrow{justify-content:center}.section-heading p{max-width:600px;margin:0 auto}.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.loan-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;transition:transform .22s,box-shadow .22s,border-color .22s}.loan-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#c9e2f0}.loan-icon{display:grid;place-items:center;width:52px;height:52px;border-radius:15px;background:#e9f5fc;color:var(--blue);font-size:23px;margin-bottom:20px}.loan-card:nth-child(2n) .loan-icon{background:#eff8e8;color:#548c2b}.loan-card h3{margin-bottom:10px}.loan-card p{font-size:13px;min-height:66px}.text-link{display:inline-flex;gap:8px;font-size:13px;font-weight:800;color:var(--blue)}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.benefit{padding:22px 18px;border-radius:16px;background:#fff;border:1px solid var(--line)}.benefit .number{display:block;color:var(--green);font-size:12px;font-weight:800;margin-bottom:16px}.benefit h3{font-size:16px}.benefit p{font-size:12px;margin:0}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.step{padding:22px 16px;border-top:3px solid var(--green);background:#fff;border-radius:0 0 14px 14px;box-shadow:0 6px 25px #102a4309}.step b{font-size:12px;color:var(--blue);display:block;margin-bottom:12px}.step h3{font-size:15px}.step p{font-size:12px;margin:0}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.split-image{width:100%;height:400px;object-fit:cover;border-radius:24px}.check-list{list-style:none;padding:0;margin:22px 0}.check-list li{padding:8px 0;color:#506578;font-size:14px}.check-list li:before{content:"✓";display:inline-grid;place-items:center;width:22px;height:22px;background:#eef8e8;border-radius:50%;color:#4c8e23;font-weight:800;margin-right:10px}.lead-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow)}.lead-panel-heading h2{font-size:28px;margin:10px 0}.lead-panel-heading p{font-size:13px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form label{display:block;font-size:12px;font-weight:700;color:#415468}.lead-form input:not([type=checkbox]),.lead-form select,.lead-form textarea{display:block;width:100%;margin-top:6px;padding:12px 13px;border:1px solid #d9e4ec;border-radius:9px;background:#fff;color:var(--navy);outline:none;font-size:13px}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px #0877b91a}.lead-form textarea{resize:vertical}.optional{font-weight:400;color:#8a99a7}.full-field{grid-column:1/-1}.consent{display:flex!important;align-items:flex-start;gap:10px;margin:17px 0!important;font-size:11px!important;font-weight:500!important;color:#617487!important}.consent input{margin-top:4px;accent-color:var(--blue)}.consent a{text-decoration:underline}.btn-wide{width:100%}.form-note{font-size:10px!important;margin:12px 0 0!important}.notice{padding:16px;border-radius:12px;font-size:13px;margin:15px 0}.notice.success{background:#eff9e9;border:1px solid #cfe9bd;color:#35631e}.notice.error{background:#fff2f0;border:1px solid #ffd0c8;color:#8b2e22}.notice ul{margin:7px 0 0;padding-left:20px}.calculator{background:var(--navy);color:#fff;border-radius:24px;padding:34px}.calculator h2,.calculator p{color:#fff}.calculator p{opacity:.78}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.calc-field label{font-size:12px;font-weight:700;display:block;margin-bottom:7px}.calc-field input,.calc-field select{width:100%;padding:12px;border:1px solid #ffffff38;background:#ffffff12;color:#fff;border-radius:9px}.calc-field option{color:var(--navy)}.calc-results{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}.calc-result{padding:16px;background:#ffffff12;border:1px solid #ffffff1c;border-radius:13px}.calc-result span{display:block;font-size:10px;opacity:.75}.calc-result strong{display:block;font-size:18px;margin-top:6px}.calc-disclaimer{font-size:10px!important;margin-top:15px!important}.faq-list{max-width:820px;margin:auto}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{list-style:none;cursor:pointer;padding:19px 34px 19px 0;font-size:14px;font-weight:750;color:var(--navy);position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:4px;top:16px;color:var(--blue);font-size:22px}.faq-item[open] summary:after{content:"−"}.faq-item p{font-size:13px;padding:0 24px 15px 0}.cta-band{padding:46px;background:linear-gradient(120deg,#0877b9,#075f95);border-radius:24px;display:flex;align-items:center;justify-content:space-between;gap:25px;color:#fff}.cta-band h2{color:#fff;font-size:30px;margin-bottom:10px}.cta-band p{color:#e4f2fc;margin:0}.page-hero{padding:58px 0;background:linear-gradient(115deg,#f2f9fd,#f5fbeF);border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1fr .7fr;align-items:center;gap:35px}.page-hero h1{font-size:clamp(34px,4vw,48px)}.page-hero p{max-width:680px}.page-hero img{width:100%;height:230px;object-fit:cover;border-radius:22px}.breadcrumbs{font-size:11px;color:#7a8b9a;margin-bottom:16px}.breadcrumbs a{color:var(--blue)}.content-narrow{max-width:850px;margin:auto}.content-narrow p{font-size:15px;line-height:1.85}.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{padding:24px;border:1px solid var(--line);border-radius:16px;background:#fff}.info-card p{font-size:13px;margin:0}.address-card{background:#f5f9fc;border-radius:20px;padding:28px}.site-footer{background:#0c2238;color:#d8e5ef;padding:58px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.25fr;gap:35px}.footer-brand{color:#fff;margin-bottom:18px}.footer-brand img{width:55px;height:55px}.footer-brand small{color:#afc3d3}.footer-about p,.footer-grid p{font-size:12px;color:#a9bdcd;line-height:1.8}.footer-grid h3{font-size:14px;color:#fff;letter-spacing:0;margin-bottom:18px}.footer-grid>div>a:not(.brand){display:block;color:#b6c9d8;font-size:12px;margin:9px 0}.footer-grid a:hover{color:#fff}.footer-phone{font-weight:800!important;color:#fff!important}.footer-bottom{border-top:1px solid #ffffff1a;margin-top:40px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#90a7b9;font-size:10px}.whatsapp-float{position:fixed;z-index:60;right:22px;bottom:22px;width:54px;height:54px;border-radius:50%;background:#22c55e;color:white;display:grid;place-items:center;font-size:27px;box-shadow:0 10px 30px #0002;border:3px solid white}.whatsapp-float:hover{transform:translateY(-3px)}.admin-shell{min-height:100vh;background:var(--light);padding:45px 0}.admin-card{max-width:1000px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}.admin-table-wrap{overflow:auto}.admin-table{width:100%;border-collapse:collapse;font-size:12px}.admin-table th,.admin-table td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}.admin-table th{background:var(--light);color:var(--navy)}.admin-form input,.admin-form select,.admin-form textarea{padding:10px;border:1px solid var(--line);border-radius:8px;width:100%;margin:5px 0 12px}.admin-actions{display:flex;gap:10px;flex-wrap:wrap}.status-pill{display:inline-block;background:#edf7e6;color:#477a23;padding:4px 8px;border-radius:30px;font-size:10px;font-weight:800}.admin-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px 0}.admin-stat{background:var(--light);border-radius:12px;padding:18px}.admin-stat span{display:block;font-size:12px;color:var(--muted)}.admin-stat strong{font-size:27px;color:var(--navy)}

/* Refined navigation and image-led loan discovery */
.nav-wrap{gap:20px}.brand{gap:9px}.brand img{width:58px;height:58px;object-fit:contain;background:#fff}.primary-nav{gap:16px}.primary-nav ul{gap:16px}.primary-nav li{position:relative}.primary-nav li a,.nav-dropdown-toggle{font-family:inherit;color:#415468;font-size:12px;font-weight:750;white-space:nowrap}.nav-dropdown-toggle{border:0;background:transparent;cursor:pointer;padding:12px 0;display:flex;align-items:center;gap:7px}.nav-dropdown-toggle:hover,.nav-dropdown-toggle.active{color:var(--blue)}.chevron{font-size:14px;transition:transform .2s}.nav-dropdown.open .chevron{transform:rotate(180deg)}.dropdown-menu{display:none;position:absolute;top:calc(100% + 13px);left:-18px;width:245px;padding:9px;background:#fff;border:1px solid var(--line);border-radius:15px;box-shadow:0 18px 45px rgba(16,42,67,.16);z-index:100}.nav-dropdown.open .dropdown-menu,.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu{display:block}.dropdown-menu:before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}.dropdown-menu a{display:flex;align-items:center;justify-content:space-between;padding:11px 12px;border-radius:9px;font-size:12px;color:var(--ink);white-space:normal}.dropdown-menu a span{color:var(--green);font-size:15px}.dropdown-menu a:hover{background:#f0f8fc;color:var(--blue)}.loan-card{padding:0 0 23px;overflow:hidden}.loan-card h3,.loan-card p,.loan-card .text-link,.loan-card .loan-icon{margin-left:23px;margin-right:23px}.loan-card-image{width:100%;height:155px;object-fit:cover;margin-bottom:20px;transition:transform .35s}.loan-card:hover .loan-card-image{transform:scale(1.035)}.loan-card .loan-icon{width:44px;height:44px;margin-top:-42px;position:relative;border:3px solid #fff;border-radius:13px}.loan-card p{min-height:66px}.visual-stories{padding-top:25px}.story-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:18px}.story-card{height:310px;position:relative;overflow:hidden;border-radius:22px;display:block;background:var(--navy);box-shadow:var(--shadow)}.story-card img{width:100%;height:100%;object-fit:cover;transition:transform .55s}.story-card:hover img{transform:scale(1.06)}.story-card:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 15%,rgba(7,25,43,.82) 100%)}.story-overlay{position:absolute;z-index:1;left:23px;right:20px;bottom:22px;color:#fff;display:flex;flex-direction:column;align-items:flex-start}.story-overlay small{font-size:9px;font-weight:800;letter-spacing:1.4px;color:#c8f0a8;margin-bottom:8px}.story-overlay strong{font-size:22px;line-height:1.15;letter-spacing:-.03em;color:#fff}.story-overlay em{font-style:normal;font-size:12px;font-weight:750;color:#fff;margin-top:13px}.story-card:first-child .story-overlay strong{font-size:28px}.hero-visual img{object-position:center}.page-hero img{box-shadow:0 16px 40px rgba(16,42,67,.12)}


/* WOW refinement: preloader, scroll reveals, depth and micro-interactions */
.site-preloader{position:fixed;inset:0;z-index:9999;display:grid;place-items:center;background:radial-gradient(circle at 50% 38%,#ffffff 0%,#f4f9fc 58%,#e8f4e2 100%);opacity:1;visibility:visible;transition:opacity .55s ease,visibility .55s ease}
.site-preloader.is-hidden{opacity:0;visibility:hidden;pointer-events:none}
.preloader-inner{display:flex;flex-direction:column;align-items:center;gap:16px;text-align:center;animation:preloader-rise .7s both}
.preloader-inner img{width:136px;height:136px;object-fit:contain;filter:drop-shadow(0 10px 18px rgba(8,119,185,.12))}
.preloader-inner p{margin:0;color:#587083;font-size:12px;font-weight:700;letter-spacing:.08em}
.preloader-ring{width:36px;height:36px;border-radius:50%;border:3px solid #dcebd4;border-top-color:var(--blue);border-right-color:var(--green);animation:preloader-spin .85s linear infinite}
@keyframes preloader-spin{to{transform:rotate(360deg)}}@keyframes preloader-rise{from{opacity:0;transform:translateY(12px) scale(.97)}to{opacity:1;transform:none}}
/* JS adds .reveal only when animation support is available */
.reveal{opacity:0;transform:translateY(26px);filter:blur(3px);transition:opacity .72s cubic-bezier(.2,.7,.2,1),transform .72s cubic-bezier(.2,.7,.2,1),filter .72s ease;transition-delay:var(--reveal-delay,0ms)}
.reveal.is-visible{opacity:1;transform:translateY(0);filter:blur(0)}
.reveal-media{background:#edf4f8;transition:filter .45s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
img.lazy-media{color:transparent}
.hero{isolation:isolate}.hero:after{content:"";position:absolute;z-index:-1;width:340px;height:340px;border:1px solid rgba(8,119,185,.11);border-radius:50%;right:8%;bottom:-240px;box-shadow:0 0 0 35px rgba(128,190,75,.035),0 0 0 70px rgba(8,119,185,.025);pointer-events:none}
.hero-copy h1{animation:hero-enter .85s .12s both}.hero-copy .eyebrow{animation:hero-enter .65s both}.hero-copy>p{animation:hero-enter .8s .2s both}.hero-actions{animation:hero-enter .8s .3s both}.trust-points{animation:hero-enter .8s .4s both}
@keyframes hero-enter{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
.btn{position:relative;overflow:hidden}.btn:after{content:"";position:absolute;inset:0;transform:translateX(-120%);background:linear-gradient(100deg,transparent,rgba(255,255,255,.22),transparent);transition:transform .6s ease}.btn:hover:after{transform:translateX(120%)}
.loan-card,.benefit,.info-card,.lead-panel,.calculator,.story-card{will-change:transform}.loan-card{transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s,border-color .35s}.loan-card:hover{transform:translateY(-8px);box-shadow:0 24px 55px rgba(16,42,67,.14)}
.story-card{transition:transform .35s,box-shadow .35s}.story-card:hover{transform:translateY(-5px);box-shadow:0 28px 60px rgba(16,42,67,.22)}
.site-header{transition:box-shadow .25s,background .25s}.site-header.is-scrolled{box-shadow:0 10px 30px rgba(16,42,67,.08);background:rgba(255,255,255,.98)}
.brand img{transition:transform .3s,filter .3s}.brand:hover img{transform:rotate(-3deg) scale(1.04);filter:drop-shadow(0 7px 12px rgba(8,119,185,.18))}
.nav-dropdown.open .dropdown-menu{animation:dropdown-in .18s ease-out both}@keyframes dropdown-in{from{opacity:0;transform:translateY(7px) scale(.98)}to{opacity:1;transform:none}}
.visual-card{animation:float-card 5s ease-in-out infinite}@keyframes float-card{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
.whatsapp-float{transition:transform .25s,box-shadow .25s;animation:whatsapp-pulse 3s 2s infinite}@keyframes whatsapp-pulse{0%,100%{box-shadow:0 10px 30px #0002,0 0 0 0 rgba(34,197,94,.28)}50%{box-shadow:0 10px 30px #0002,0 0 0 9px rgba(34,197,94,0)}}
/* Better brand mark sizing */
.brand img{width:64px;height:64px;object-fit:contain;border-radius:0;background:transparent}.footer-brand img{width:62px;height:62px}
@media(max-width:760px){.preloader-inner img{width:112px;height:112px}.reveal{transform:translateY(18px);filter:none}.visual-card{left:12px;bottom:12px}.hero:after{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal,.reveal.is-visible,.btn,.loan-card,.story-card,.visual-card,.whatsapp-float,.preloader-inner{animation:none!important;transition:none!important;transform:none!important;filter:none!important}.reveal{opacity:1!important}.preloader-ring{animation:none!important}}

/* Brand favicon support, polished sparkle accents and refined footer credit */
.site-credit{display:inline-flex;align-items:center;gap:4px;flex-wrap:wrap}
.site-credit a{color:#d7f3c3;font-weight:800;text-decoration:none;position:relative;transition:color .25s ease,text-shadow .25s ease}
.site-credit a:hover{color:#fff;text-shadow:0 0 12px rgba(128,190,75,.65)}
.site-credit a:after{content:"";position:absolute;left:0;right:100%;bottom:-3px;height:1px;background:var(--green);transition:right .25s ease}
.site-credit a:hover:after{right:0}
/* Tiny glints: elegant, low-distraction and brand-coloured */
.btn,.loan-icon,.hero-visual,.cta-band,.lead-panel,.calculator{position:relative}
.btn:before{content:"✦";position:absolute;z-index:2;top:5px;right:9px;font-size:10px;line-height:1;color:rgba(255,255,255,.9);opacity:0;transform:scale(.25) rotate(-25deg);pointer-events:none;transition:opacity .2s,transform .3s}
.btn:hover:before,.btn:focus-visible:before{opacity:.95;transform:scale(1) rotate(0)}
.loan-icon{isolation:isolate}
.loan-icon:after{content:"✧";position:absolute;right:-7px;top:-8px;color:var(--green);font-size:18px;line-height:1;text-shadow:0 0 12px rgba(128,190,75,.4);animation:icon-twinkle 2.8s ease-in-out infinite;pointer-events:none}
.hero-visual:before,.cta-band:before,.lead-panel:before,.calculator:before{content:"";position:absolute;z-index:2;top:12%;right:12%;width:8px;height:8px;border-radius:2px;background:#fff;box-shadow:0 0 0 4px rgba(255,255,255,.15),0 0 20px 5px rgba(255,255,255,.6);opacity:0;transform:scale(.2) rotate(45deg);pointer-events:none}
.hero-visual:hover:before,.cta-band:hover:before,.lead-panel:hover:before,.calculator:hover:before{animation:surface-glint 1.15s ease-out both}
.hero-visual:after{content:"";position:absolute;z-index:1;inset:0;border-radius:inherit;background:linear-gradient(115deg,transparent 35%,rgba(255,255,255,.15) 48%,transparent 61%);background-size:220% 100%;background-position:130% 0;pointer-events:none;transition:background-position .85s ease}
.hero-visual:hover:after{background-position:-20% 0}
@keyframes icon-twinkle{0%,72%,100%{opacity:.35;transform:scale(.8) rotate(0)}80%{opacity:1;transform:scale(1.2) rotate(18deg)}88%{opacity:.55;transform:scale(.95) rotate(-8deg)}}
@keyframes surface-glint{0%{opacity:0;transform:scale(.2) rotate(45deg)}22%{opacity:1;transform:scale(1.1) rotate(45deg)}100%{opacity:0;transform:translate(-34px,20px) scale(.45) rotate(45deg)}}
.ui-sparkle{position:absolute;z-index:5;pointer-events:none;width:10px;height:10px;color:#fff;filter:drop-shadow(0 0 5px rgba(128,190,75,.8));animation:ui-sparkle-out .7s ease-out forwards}
.ui-sparkle:before{content:"✦";font-size:12px;line-height:10px}
@keyframes ui-sparkle-out{0%{opacity:0;transform:translate(0,5px) scale(.3) rotate(0)}25%{opacity:1;transform:translate(0,0) scale(1) rotate(20deg)}100%{opacity:0;transform:translate(9px,-13px) scale(.25) rotate(65deg)}}
@media(prefers-reduced-motion:reduce){.loan-icon:after,.ui-sparkle{animation:none!important}.hero-visual:after{transition:none!important}.btn:before{display:none}}
@media(max-width:760px){.footer-bottom{flex-direction:column;align-items:flex-start}.site-credit{margin-top:3px}}


/* HOMEPAGE POLISH: richer hero depth, elegant motion, and vision/mission storytelling */
.hero{padding-top:88px;padding-bottom:88px;background:radial-gradient(circle at 82% 18%,rgba(128,190,75,.16),transparent 27%),radial-gradient(circle at 8% 95%,rgba(8,119,185,.08),transparent 28%),linear-gradient(120deg,#f5faff 0%,#fff 52%,#f3faed 100%)}
.hero:before{width:520px;height:520px;right:-190px;top:-205px;border:1px solid rgba(8,119,185,.1);box-shadow:0 0 0 28px rgba(8,119,185,.025),0 0 0 62px rgba(128,190,75,.035);animation:hero-orbit 22s linear infinite}
.hero-visual{padding:0 0 12px 12px}.hero-visual img{border-radius:30px 30px 90px 30px;outline:1px solid rgba(255,255,255,.85);outline-offset:-10px;transition:transform .8s cubic-bezier(.2,.7,.2,1),filter .6s}.hero-visual:hover img{transform:scale(1.018);filter:saturate(1.06)}
.hero-visual:after{border-radius:30px 30px 90px 30px}.visual-card{left:-34px;bottom:32px;max-width:245px;border:1px solid rgba(8,119,185,.08);animation:float-card 5.2s ease-in-out infinite}.hero-copy h1{letter-spacing:-.055em}.hero-copy h1 span{background:linear-gradient(100deg,var(--blue),#1492c8 55%,#5e9f2c);-webkit-background-clip:text;background-clip:text;color:transparent!important}
.proof-strip{position:relative;z-index:2;margin-top:-1px;padding:0 0 12px;background:#fff}.proof-strip-inner{display:grid;grid-template-columns:1fr 1fr 1fr auto;align-items:center;gap:20px;padding:22px 26px;border:1px solid #e5edf3;border-radius:18px;background:rgba(255,255,255,.96);box-shadow:0 18px 45px rgba(16,42,67,.065)}.proof-item{display:flex;align-items:center;gap:12px}.proof-icon{display:grid;place-items:center;flex:0 0 42px;width:42px;height:42px;border-radius:13px;background:#eaf5fb;color:var(--blue);font-size:20px}.proof-item:nth-child(2) .proof-icon{background:#eff8e8;color:#538e2c}.proof-item strong,.proof-item small{display:block}.proof-item strong{font-size:12px;color:var(--navy)}.proof-item small{font-size:10px;color:var(--muted);margin-top:2px}.proof-link{font-size:12px;font-weight:800;white-space:nowrap}.proof-link span{display:inline-block;margin-left:6px;transition:transform .2s}.proof-link:hover span{transform:translate(3px,-3px)}
.vision-mission-section{overflow:hidden;background:radial-gradient(circle at 0 100%,rgba(128,190,75,.07),transparent 30%),#fff}.vision-mission-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.purpose-card{position:relative;isolation:isolate;overflow:hidden;min-height:290px;padding:34px;border-radius:24px;border:1px solid rgba(255,255,255,.5);box-shadow:0 20px 55px rgba(16,42,67,.09);transition:transform .4s cubic-bezier(.2,.7,.2,1),box-shadow .4s}.purpose-card:hover{transform:translateY(-7px);box-shadow:0 28px 65px rgba(16,42,67,.15)}.purpose-vision{background:linear-gradient(135deg,#0877b9,#10547c);color:#fff}.purpose-mission{background:linear-gradient(135deg,#f4faee,#e7f5dc);color:var(--navy);border-color:#e2efd8}.purpose-card h3{position:relative;z-index:1;max-width:410px;margin:13px 0 14px;font-size:clamp(22px,2.3vw,30px)}.purpose-vision h3{color:#fff}.purpose-card p{position:relative;z-index:1;max-width:460px;margin:0;font-size:14px;line-height:1.85}.purpose-vision p{color:#e1f2fb}.purpose-symbol{display:grid;place-items:center;width:52px;height:52px;border-radius:16px;background:rgba(255,255,255,.16);color:#fff;font-size:29px;box-shadow:inset 0 0 0 1px rgba(255,255,255,.15)}.purpose-mission .purpose-symbol{background:#fff;color:var(--blue)}.purpose-label{position:relative;z-index:1;display:block;margin-top:20px;font-size:10px;font-weight:800;letter-spacing:1.8px;opacity:.82}.purpose-orbit{position:absolute;z-index:-1;right:-80px;bottom:-140px;width:300px;height:300px;border:1px solid rgba(255,255,255,.2);border-radius:50%;box-shadow:0 0 0 24px rgba(255,255,255,.035),0 0 0 52px rgba(255,255,255,.025);animation:hero-orbit 30s linear infinite}.purpose-mission .purpose-orbit{border-color:rgba(8,119,185,.14);box-shadow:0 0 0 24px rgba(8,119,185,.025),0 0 0 52px rgba(128,190,75,.035)}
/* Each content section reveals as it enters view; stagger child cards for a deliberate rhythm. */
.section.reveal,.page-hero.reveal{transition:opacity .75s ease,transform .75s cubic-bezier(.2,.7,.2,1),filter .75s ease}.reveal.is-visible .section-heading{animation:heading-rise .65s both}.reveal.is-visible .loan-card,.reveal.is-visible .benefit,.reveal.is-visible .step,.reveal.is-visible .info-card,.reveal.is-visible .purpose-card,.reveal.is-visible .faq-item{animation:card-rise .65s both;animation-delay:var(--reveal-delay,80ms)}
@keyframes heading-rise{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@keyframes card-rise{from{opacity:.35;transform:translateY(18px) scale(.99)}to{opacity:1;transform:translateY(0) scale(1)}}@keyframes hero-orbit{to{transform:rotate(360deg)}}
@media(max-width:850px){.hero{padding:58px 0 56px}.proof-strip{padding:0 0 8px}.proof-strip-inner{grid-template-columns:1fr 1fr;gap:16px;padding:18px}.proof-link{padding:8px 0}.vision-mission-grid{grid-template-columns:1fr}.purpose-card{min-height:0;padding:28px}}
@media(max-width:560px){.hero{padding:42px 0}.hero-visual{padding-left:0}.hero-visual img{border-radius:20px 20px 54px 20px}.hero-visual:after{border-radius:20px 20px 54px 20px}.proof-strip-inner{grid-template-columns:1fr;gap:13px;padding:17px}.proof-link{border-top:1px solid var(--line);padding-top:13px}.purpose-card{padding:24px;border-radius:19px}.purpose-card h3{font-size:24px}}
@media(prefers-reduced-motion:reduce){.hero:before,.purpose-orbit{animation:none!important}.hero-visual img,.purpose-card{transition:none!important}.reveal.is-visible .section-heading,.reveal.is-visible .loan-card,.reveal.is-visible .benefit,.reveal.is-visible .step,.reveal.is-visible .info-card,.reveal.is-visible .purpose-card,.reveal.is-visible .faq-item{animation:none!important}}


/* VIBRANT HEADINGS & HEADER FINISH — colourful but readable */
:root{--vivid-blue:#168de2;--vivid-cyan:#22c7d9;--vivid-green:#8bd448;--vivid-violet:#8b5cf6;--vivid-pink:#f472b6;--vivid-orange:#ffb347}
.topbar{background:linear-gradient(105deg,#102a43 0%,#075985 34%,#0877b9 63%,#376b2b 100%);background-size:220% 100%;animation:topbar-flow 12s ease-in-out infinite;color:#f2fbff}
.site-header{position:sticky;isolation:isolate}
.site-header:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:linear-gradient(90deg,#0877b9,#22c7d9,#80be4b,#8b5cf6,#f472b6,#0877b9);background-size:250% 100%;animation:heading-gradient-flow 9s linear infinite;opacity:.9;pointer-events:none}
.brand b{background:linear-gradient(100deg,#0877b9,#17a6c9 45%,#5b9d2e 78%,#0877b9);background-size:220% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:heading-gradient-flow 7s ease infinite}
.primary-nav li>a{position:relative;transition:color .22s ease}
.primary-nav li>a:after{content:"";position:absolute;left:0;right:100%;bottom:-7px;height:2px;border-radius:9px;background:linear-gradient(90deg,#0877b9,#22c7d9,#80be4b);transition:right .28s ease}
.primary-nav li>a:hover:after,.primary-nav li>a.active:after{right:0}
.nav-dropdown-toggle{position:relative;transition:color .22s ease}
.nav-dropdown-toggle:after{content:"";position:absolute;left:0;right:100%;bottom:3px;height:2px;border-radius:8px;background:linear-gradient(90deg,#0877b9,#22c7d9,#80be4b);transition:right .28s ease}
.nav-dropdown-toggle:hover:after,.nav-dropdown-toggle.active:after{right:0}
.dropdown-menu{border-color:transparent;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(135deg,#0877b9,#22c7d9,#80be4b,#8b5cf6) border-box;box-shadow:0 22px 55px rgba(8,119,185,.18)}
.dropdown-menu a{transition:background .2s,color .2s,transform .2s}
.dropdown-menu a:hover{transform:translateX(3px);background:linear-gradient(90deg,#eff8ff,#f4faed)}
/* Gradient lettering on major headings, with a slow moving colour spectrum. */
h1,.section-heading h2,.page-hero h1,.split h2,.lead-panel-heading h2,.content-narrow h2,.vision-mission-section .section-heading h2{background:linear-gradient(105deg,#102a43 0%,#0877b9 24%,#159fc2 42%,#5a9b2b 62%,#7355c7 82%,#102a43 100%);background-size:260% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:heading-spectrum 11s ease-in-out infinite}
.hero-copy h1 span{background:linear-gradient(100deg,#0877b9 0%,#13b8d0 30%,#80be4b 58%,#8b5cf6 82%,#0877b9 100%);background-size:260% auto;-webkit-background-clip:text;background-clip:text;color:transparent!important;animation:heading-spectrum 7s ease-in-out infinite}
/* Section titles receive a colourful animated underline. */
.section-heading h2{position:relative;display:table;margin-left:auto;margin-right:auto;padding-bottom:14px}
.section-heading h2:after{content:"";position:absolute;bottom:0;left:50%;width:min(112px,38%);height:4px;border-radius:20px;transform:translateX(-50%);background:linear-gradient(90deg,#0877b9,#22c7d9,#80be4b,#8b5cf6,#f472b6);background-size:240% 100%;animation:heading-gradient-flow 5s linear infinite;box-shadow:0 3px 13px rgba(8,119,185,.17)}
h3{position:relative;transition:color .25s ease}
.loan-card h3,.benefit h3,.info-card h3,.step h3,.faq-item summary{transition:color .25s ease}
.loan-card:hover h3,.benefit:hover h3,.info-card:hover h3,.step:hover h3{color:#0877b9}
/* Colour wash on section surfaces, restrained to preserve readability. */
.section-heading .eyebrow{background:linear-gradient(90deg,#eaf6ff,#f0f9e8,#f5efff);padding:7px 12px;border-radius:999px;box-shadow:inset 0 0 0 1px rgba(8,119,185,.08)}
.eyebrow:before{background:linear-gradient(90deg,#0877b9,#22c7d9,#80be4b);background-size:200% 100%;animation:heading-gradient-flow 5s linear infinite}
.cta-band{background:linear-gradient(115deg,#075985 0%,#0877b9 40%,#198ca7 66%,#427b2c 100%);background-size:220% 220%;animation:cta-colour-drift 12s ease infinite;box-shadow:0 18px 42px rgba(8,119,185,.18)}
.cta-band h2{background:none!important;color:#fff!important;-webkit-text-fill-color:#fff!important}
.purpose-vision h3{background:none!important;color:#fff!important;-webkit-text-fill-color:#fff!important}
.purpose-mission h3{background:linear-gradient(100deg,#102a43,#0877b9,#528b2a);background-size:220% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:heading-spectrum 10s ease-in-out infinite}
@keyframes heading-spectrum{0%,100%{background-position:0% 50%}50%{background-position:100% 50%}}
@keyframes heading-gradient-flow{to{background-position:250% 50%}}
@keyframes topbar-flow{0%,100%{background-position:0% 50%}50%{background-position:100% 50%}}
@keyframes cta-colour-drift{0%,100%{background-position:0% 45%}50%{background-position:100% 55%}}
@media(hover:none){.primary-nav li>a:after,.nav-dropdown-toggle:after{display:none}}
@media(prefers-reduced-motion:reduce){.topbar,.site-header:after,.brand b,h1,.section-heading h2,.page-hero h1,.split h2,.lead-panel-heading h2,.content-narrow h2,.hero-copy h1 span,.section-heading h2:after,.eyebrow:before,.cta-band,.purpose-mission h3{animation:none!important}.topbar,.site-header:after{background-position:50% 50%}}