:root {
  --navy-900: #0b2545;
  --navy-800: #13315c;
  --navy-600: #1d4e89;
  --navy-100: #e8eef7;
  --accent: #f08a24;
  --accent-600: #d9731a;
  --accent-100: #fff1e3;
  --ink: #142033;
  --muted: #5a6878;
  --line: #e3e8ef;
  --bg: #ffffff;
  --tint: #f6f8fb;
  --radius: 18px;
  --shadow: 0 10px 30px -12px rgba(11, 37, 69, .25);
  --shadow-lg: 0 30px 60px -20px rgba(11, 37, 69, .35);
  --font: "Plus Jakarta Sans", "Noto Sans Devanagari", system-ui, sans-serif;
  --display: "Fraunces", "Noto Serif Devanagari", Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { line-height: 1.15; margin: 0 0 .6em; }
h1, h2 { font-family: var(--display); font-weight: 700; letter-spacing: -.01em; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
html[lang="mr"] body { font-family: "Noto Sans Devanagari", var(--font); line-height: 1.75; }
html[lang="mr"] h1, html[lang="mr"] h2 { font-family: "Noto Serif Devanagari", var(--display); line-height: 1.35; letter-spacing: 0; }
html[lang="mr"] .eyebrow { letter-spacing: .02em; text-transform: none; font-size: .88rem; }
html[lang="mr"] .hero h1 em { font-style: normal; }

.container { width: min(1180px, 100% - 32px); margin-inline: auto; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; padding: .8em 1.4em; border-radius: 999px; font-weight: 600; font-size: .95rem; border: 2px solid transparent; cursor: pointer; transition: transform .2s, box-shadow .2s, background .2s, color .2s; font-family: inherit; }
.btn:hover { transform: translateY(-2px); }
.btn--lg { padding: 1em 1.8em; font-size: 1rem; }
.btn--block { width: 100%; }
.btn--accent { background: var(--accent); color: #fff; box-shadow: 0 8px 20px -8px rgba(240, 138, 36, .7); }
.btn--accent:hover { background: var(--accent-600); }
.btn--primary { background: var(--navy-600); color: #fff; }
.btn--primary:hover { background: var(--navy-800); }
.btn--ghost { border-color: rgba(255,255,255,.4); color: #fff; }
.btn--ghost:hover { background: rgba(255,255,255,.1); }

.eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-600); margin-bottom: .9em; }
.eyebrow--light { color: var(--accent); }

/* Top bar */
.topbar { background: var(--navy-900); color: #c9d6e8; font-size: .82rem; }
.topbar__inner { display: flex; justify-content: space-between; gap: 1rem; padding: .5rem 0; flex-wrap: wrap; }
.topbar a:hover { color: #fff; }
.topbar .sep { opacity: .4; margin: 0 .5rem; }

/* Header */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.88); backdrop-filter: blur(14px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.header.is-scrolled { border-color: var(--line); box-shadow: 0 6px 20px -14px rgba(11,37,69,.4); }
.header__inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: .75rem; }
.brand__mark { width: 44px; height: 44px; border-radius: 12px; background: linear-gradient(135deg, var(--navy-600), var(--navy-900)); color: var(--accent); display: grid; place-items: center; flex-shrink: 0; }
.brand__mark svg { width: 26px; height: 26px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.2; }
.brand__text strong { font-size: 1.05rem; color: var(--navy-900); }
.brand__text small { font-size: .74rem; color: var(--muted); }
.brand--light .brand__text strong { color: #fff; }
.brand--light .brand__text small { color: #9fb2cc; }

.nav { display: flex; align-items: center; gap: 1.6rem; font-weight: 500; font-size: .95rem; }
.nav a:not(.btn) { position: relative; color: var(--ink); }
.nav a:not(.btn)::after { content: ""; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0; background: var(--accent); transition: width .25s; }
.nav a:not(.btn):hover::after, .nav a.is-active::after { width: 100%; }
.header__actions { display: flex; align-items: center; gap: .6rem; margin-left: 1.2rem; }
.lang { display: inline-flex; background: var(--navy-100); border-radius: 999px; padding: 3px; }
.lang__btn { font-family: inherit; font-size: .8rem; font-weight: 700; border: 0; background: transparent; color: var(--navy-800); padding: .45em .9em; border-radius: 999px; cursor: pointer; transition: background .2s, color .2s; }
.lang__btn[lang="mr"] { font-family: "Noto Sans Devanagari", var(--font); }
.lang__btn.is-active { background: var(--navy-900); color: #fff; }
.lang__btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; cursor: pointer; padding: 10px; }
.nav-toggle span { display: block; height: 2px; background: var(--navy-900); margin: 5px 0; border-radius: 2px; transition: transform .25s, opacity .25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Hero */
.hero { position: relative; overflow: hidden; background: radial-gradient(1200px 600px at 85% -10%, rgba(42,107,181,.75) 0%, transparent 60%), linear-gradient(100deg, rgba(11,37,69,.97) 0%, rgba(11,37,69,.9) 45%, rgba(19,49,92,.6) 100%), url("images/power-grid.jpg") center 30% / cover no-repeat, var(--navy-900); color: #fff; padding: clamp(4rem, 9vw, 7rem) 0 clamp(5rem, 10vw, 8rem); }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(to bottom, #000 30%, transparent); }
.hero__glow { position: absolute; width: 520px; height: 520px; border-radius: 50%; background: var(--accent); filter: blur(140px); opacity: .22; left: -160px; bottom: -260px; }
.hero__inner { position: relative; display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center; }
.hero h1 { font-size: clamp(2.3rem, 5.2vw, 3.9rem); margin-bottom: .45em; }
.hero h1 em { font-style: italic; color: var(--accent); }
.hero .eyebrow { color: #ffc58a; background: rgba(255,255,255,.08); padding: .45em 1em; border-radius: 999px; border: 1px solid rgba(255,255,255,.12); }
.lead { font-size: 1.12rem; color: #c9d6e8; max-width: 34em; }
.hero__actions { display: flex; gap: .9rem; flex-wrap: wrap; margin: 2rem 0 2.6rem; }
.hero__trust { list-style: none; padding: 0; margin: 0; display: flex; gap: 2.5rem; flex-wrap: wrap; }
.hero__trust li { display: flex; flex-direction: column; }
.hero__trust strong { font-family: var(--display); font-size: 2rem; line-height: 1; }
.hero__trust > li > span { font-size: .85rem; color: #9fb2cc; margin-top: .35rem; }

.hero__card { position: relative; }
.rate-card { background: #fff; color: var(--ink); border-radius: 24px; padding: 2rem; box-shadow: var(--shadow-lg); transform: rotate(-1.5deg); transition: transform .4s; }
.rate-card:hover { transform: rotate(0); }
.rate-card__head { display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: var(--muted); }
.chip { background: var(--accent-100); color: var(--accent-600); font-size: .75rem; padding: .3em .8em; border-radius: 999px; font-weight: 700; }
.rate-card__rate { font-family: var(--display); font-size: 4rem; font-weight: 700; color: var(--navy-900); line-height: 1; margin: .8rem 0 .4rem; }
.rate-card__rate span { font-family: var(--font); font-size: 1rem; color: var(--muted); font-weight: 500; margin-left: .3rem; }
.rate-card__sub { color: var(--muted); font-size: .9rem; }
.rate-card__divider { height: 1px; background: var(--line); margin: 1.2rem 0; }
.rate-card__row { display: flex; justify-content: space-between; padding: .45rem 0; font-size: .95rem; }
.rate-card__row strong { color: var(--navy-600); }
.rate-card__link { display: inline-block; margin-top: 1rem; font-weight: 600; color: var(--accent-600); }
.float-badge { position: absolute; left: -28px; bottom: -28px; display: flex; gap: .7rem; align-items: center; background: #fff; color: var(--ink); padding: .8rem 1.1rem; border-radius: 14px; box-shadow: var(--shadow); animation: bob 4s ease-in-out infinite; }
.float-badge__icon { font-size: 1.5rem; }
.float-badge strong { display: block; font-size: .9rem; }
.float-badge small { color: var(--muted); font-size: .78rem; }
@keyframes bob { 50% { transform: translateY(-8px); } }

/* Quick tiles */
.quick { margin-top: -3rem; position: relative; z-index: 2; }
.quick__grid { display: grid; grid-template-columns: repeat(6, 1fr); background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); overflow: hidden; }
.quick__item { display: flex; flex-direction: column; align-items: center; gap: .55rem; padding: 1.5rem .75rem; font-weight: 600; font-size: .9rem; text-align: center; border-right: 1px solid var(--line); transition: background .2s, color .2s; }
.quick__item:last-child { border-right: 0; }
.quick__item b { font-weight: 600; }
.quick__item span { font-size: 1.7rem; width: 56px; height: 56px; display: grid; place-items: center; background: var(--navy-100); border-radius: 16px; transition: transform .25s, background .25s; }
.quick__item:hover { color: var(--navy-600); }
.quick__item:hover span { transform: translateY(-4px); background: var(--accent-100); }

/* Sections */
.section { padding: clamp(4rem, 8vw, 6.5rem) 0; }
.section--tint { background: var(--tint); }
.section--dark { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; }
.section__head { max-width: 640px; margin-bottom: 2.8rem; }

/* About */
.about { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.about__visual { position: relative; }
.about__img { border-radius: 24px; overflow: hidden; box-shadow: var(--shadow-lg); }
.about__img img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; }
.about__stamp { position: absolute; right: -18px; top: -18px; width: 120px; height: 120px; border-radius: 50%; background: var(--accent); color: #fff; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; box-shadow: var(--shadow); line-height: 1.1; }
.about__stamp strong { font-family: var(--display); font-size: 1.8rem; }
.about__stamp span { font-size: .78rem; font-weight: 600; }
.about__copy p { color: var(--muted); }
.checks { list-style: none; padding: 0; margin: 1.4rem 0 2rem; display: grid; gap: .75rem; }
.checks li { position: relative; padding-left: 2rem; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: .1em; width: 1.35rem; height: 1.35rem; border-radius: 50%; background: var(--accent-100); color: var(--accent-600); font-size: .75rem; font-weight: 800; display: grid; place-items: center; }
.checks--sm { margin: 0; gap: .6rem; font-size: .93rem; }

/* Roots photo gallery */
.roots { display: grid; grid-template-columns: 1.5fr 1fr; gap: 1.4rem; }
.photo { position: relative; margin: 0; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); background: var(--navy-100); }
.photo img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3; transition: transform .8s ease; }
.photo:hover img { transform: scale(1.04); }
.photo--tall { grid-row: span 2; }
.photo--tall img { aspect-ratio: auto; position: absolute; inset: 0; }
.photo--tall { min-height: 420px; }
.photo figcaption { position: absolute; inset: auto 0 0 0; padding: 2.5rem 1.3rem 1.1rem; color: #fff; font-size: .92rem; font-weight: 500; background: linear-gradient(to top, rgba(11,37,69,.92), transparent); }
.roots__card { background: linear-gradient(160deg, var(--navy-600), var(--navy-900)); color: #fff; border-radius: var(--radius); padding: 1.8rem; display: flex; flex-direction: column; justify-content: center; gap: .8rem; }
.roots__card p { margin: 0; font-size: 1.1rem; line-height: 1.6; color: #e3ebf6; }
.roots__icon { width: 48px; height: 48px; border-radius: 14px; background: var(--accent); display: grid; place-items: center; font-size: 1.4rem; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem 1.5rem; display: flex; flex-direction: column; transition: transform .3s, box-shadow .3s, border-color .3s; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card p { color: var(--muted); font-size: .93rem; flex: 1; }
.card__icon { font-size: 1.6rem; width: 54px; height: 54px; display: grid; place-items: center; background: var(--navy-100); border-radius: 14px; margin-bottom: 1.2rem; }
.card__meta { display: flex; justify-content: space-between; align-items: baseline; border-top: 1px dashed var(--line); padding-top: 1rem; font-size: .85rem; color: var(--muted); }
.card__meta strong { font-size: 1.15rem; color: var(--navy-600); }
.card--featured { background: linear-gradient(160deg, var(--navy-600), var(--navy-900)); color: #fff; border: 0; }
.card--featured p, .card--featured .card__meta { color: #c9d6e8; }
.card--featured .card__meta { border-color: rgba(255,255,255,.2); }
.card--featured .card__meta strong { color: var(--accent); }
.card--featured .card__icon { background: rgba(255,255,255,.12); }
.card__ribbon { position: absolute; top: 1.2rem; right: 1.2rem; background: var(--accent); color: #fff; font-size: .7rem; font-weight: 700; padding: .3em .8em; border-radius: 999px; }

/* Loans */
.loan-tabs { display: flex; gap: .5rem; flex-wrap: wrap; margin-bottom: 1.5rem; }
.loan-tab { font-family: inherit; font-size: .95rem; font-weight: 600; padding: .7em 1.4em; border-radius: 999px; border: 1px solid var(--line); background: #fff; color: var(--ink); cursor: pointer; transition: all .2s; }
.loan-tab:hover { border-color: var(--navy-600); }
.loan-tab.is-active { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }
.loan-panel { display: grid; grid-template-columns: 1.4fr 1fr; gap: 2.5rem; background: var(--tint); border-radius: 24px; padding: clamp(1.5rem, 4vw, 3rem); }
.loan-panel__copy p { color: var(--muted); }
.loan-panel h3 { font-family: var(--display); font-size: 1.9rem; }
.loan-facts { list-style: none; padding: 0; margin: 1.5rem 0 2rem; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.loan-facts li { background: #fff; border-radius: 14px; padding: 1rem; }
.loan-facts span { display: block; font-size: .8rem; color: var(--muted); }
.loan-facts strong { font-size: 1.2rem; color: var(--navy-900); }
.loan-panel__docs { background: #fff; border-radius: 18px; padding: 1.6rem; }
.loan-panel__docs h4 { margin-bottom: 1rem; }
.fade { animation: fade .4s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } }

/* Calculator */
.calc { display: grid; grid-template-columns: .8fr 1.2fr; gap: 3rem; align-items: center; }
.calc__copy p { color: #c9d6e8; }
.calc__box { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 24px; padding: 2rem; display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: center; backdrop-filter: blur(6px); }
.calc__inputs { display: grid; gap: 1.6rem; }
.field { display: grid; gap: .6rem; }
.field__label { display: flex; justify-content: space-between; font-size: .9rem; color: #c9d6e8; }
.field__label output { font-weight: 700; color: #fff; background: rgba(255,255,255,.1); padding: .1em .6em; border-radius: 6px; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 6px; background: linear-gradient(to right, var(--accent) var(--fill, 50%), rgba(255,255,255,.2) var(--fill, 50%)); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 4px solid var(--accent); cursor: pointer; box-shadow: 0 2px 8px rgba(0,0,0,.3); }
input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 4px solid var(--accent); cursor: pointer; }
input[type="range"]:focus-visible { outline: 2px solid #fff; outline-offset: 6px; }
.calc__result { display: grid; justify-items: center; gap: 1.4rem; }
.donut { --p: 70; width: 200px; height: 200px; border-radius: 50%; background: conic-gradient(var(--accent) 0 calc(var(--p) * 1%), #6fa3e0 0); display: grid; place-items: center; transition: background .3s; }
.donut__hole { width: 150px; height: 150px; border-radius: 50%; background: var(--navy-900); display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; }
.donut__hole small { color: #9fb2cc; font-size: .78rem; }
.donut__hole strong { font-family: var(--display); font-size: 1.5rem; }
.calc__breakdown { margin: 0; display: grid; gap: .5rem; min-width: 220px; }
.calc__breakdown div { display: flex; justify-content: space-between; gap: 1rem; font-size: .9rem; }
.calc__breakdown div:last-child { border-top: 1px solid rgba(255,255,255,.15); padding-top: .5rem; font-weight: 700; }
.calc__breakdown dt { color: #c9d6e8; display: flex; align-items: center; gap: .5rem; }
.calc__breakdown dd { margin: 0; font-weight: 600; }
.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.dot--p { background: var(--accent); }
.dot--i { background: #6fa3e0; }

/* Rates */
.rates { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.table-wrap { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: .95rem; }
caption { text-align: left; padding: 1.1rem 1.3rem; font-weight: 700; font-size: 1.05rem; background: var(--navy-900); color: #fff; }
th, td { padding: .9rem 1.3rem; text-align: left; }
th { font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); background: var(--tint); }
tbody tr { border-top: 1px solid var(--line); transition: background .15s; }
tbody tr:hover { background: var(--accent-100); }
td:not(:first-child) { font-weight: 700; color: var(--navy-600); }
.note { margin-top: 1.2rem; font-size: .85rem; color: var(--muted); }

/* Quotes */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.quote { margin: 0; background: #fff; border-radius: var(--radius); padding: 2rem; border: 1px solid var(--line); position: relative; }
.quote::before { content: "“"; position: absolute; top: .2rem; right: 1.4rem; font-family: var(--display); font-size: 5rem; color: var(--accent-100); line-height: 1; }
.quote p { font-size: 1.02rem; position: relative; }
.quote footer { display: flex; align-items: center; gap: .8rem; margin-top: 1.2rem; }
.quote footer small { display: block; color: var(--muted); font-size: .82rem; }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy-600); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .85rem; }

/* Notices + FAQ */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; }
.notices { list-style: none; padding: 0; margin: 0; border-left: 2px solid var(--line); }
.notices li { position: relative; padding: 0 0 1.6rem 1.6rem; }
.notices li::before { content: ""; position: absolute; left: -7px; top: .35rem; width: 12px; height: 12px; border-radius: 50%; background: var(--accent); box-shadow: 0 0 0 4px var(--accent-100); }
.notices time { display: block; font-size: .78rem; font-weight: 700; color: var(--accent-600); text-transform: uppercase; letter-spacing: .08em; }
.faq details { border-bottom: 1px solid var(--line); padding: 1.1rem 0; }
.faq summary { cursor: pointer; font-weight: 600; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--accent-600); transition: transform .25s; flex-shrink: 0; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--muted); margin: .8rem 0 0; }

/* Contact */
.contact { display: grid; grid-template-columns: .9fr 1.1fr; gap: 3rem; }
.contact__list { list-style: none; padding: 0; margin: 1.5rem 0 2rem; display: grid; gap: 1.2rem; }
.contact__list li { display: flex; gap: 1rem; }
.contact__list > li > span { width: 46px; height: 46px; border-radius: 12px; background: #fff; display: grid; place-items: center; font-size: 1.2rem; box-shadow: var(--shadow); flex-shrink: 0; }
.contact__list p { margin: 0; color: var(--muted); }
.contact__list a:hover { color: var(--navy-600); }
.contact__right { display: grid; gap: 1.4rem; }
.map { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 16 / 9; background: var(--navy-100); }
.map iframe { width: 100%; height: 100%; border: 0; display: block; }
.form { background: #fff; border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow); display: grid; gap: 1rem; }
.form h3 { margin: 0; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form label { display: grid; gap: .35rem; font-size: .85rem; font-weight: 600; color: var(--muted); }
.form input, .form select, .form textarea { font: inherit; font-size: .95rem; color: var(--ink); padding: .75em 1em; border: 1px solid var(--line); border-radius: 10px; background: var(--tint); transition: border-color .2s, box-shadow .2s, background .2s; width: 100%; }
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--navy-600); background: #fff; box-shadow: 0 0 0 4px var(--navy-100); }
.form .is-invalid { border-color: #d93a3a; }
.form__status { margin: 0; font-size: .9rem; font-weight: 600; min-height: 1.2em; }
.form__status.ok { color: #1a8a4a; }
.form__status.err { color: #d93a3a; }

/* Footer */
.footer { background: var(--navy-900); color: #9fb2cc; padding: 4rem 0 0; font-size: .92rem; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-bottom: 3rem; }
.footer h4 { color: #fff; font-size: 1rem; margin-bottom: 1rem; }
.footer__grid > div > a:not(.brand) { display: block; padding: .3rem 0; transition: color .2s; }
.footer__grid a:hover { color: var(--accent); }
.footer__about { margin-top: 1.2rem; max-width: 30em; }
.footer__credits { font-size: .75rem; color: #7389a6; padding: 0 0 1.4rem; }
.footer__credits a { text-decoration: underline; text-underline-offset: 2px; }
.footer__credits a:hover { color: var(--accent); }
.footer__bottom { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; border-top: 1px solid rgba(255,255,255,.1); padding: 1.4rem 0; font-size: .85rem; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .float-badge { animation: none; }
}

/* Responsive */
@media (max-width: 1024px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .quick__grid { grid-template-columns: repeat(3, 1fr); }
  .quick__item:nth-child(3) { border-right: 0; }
  .quick__item:nth-child(-n+3) { border-bottom: 1px solid var(--line); }
  .calc { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 1100px) {
  .nav { position: fixed; inset: 76px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; padding: 1rem 16px 1.5rem; box-shadow: 0 20px 30px -20px rgba(11,37,69,.4); transform: translateY(-120%); visibility: hidden; transition: transform .3s, visibility 0s .3s; z-index: -1; }
  .nav.is-open { transform: none; visibility: visible; transition: transform .3s; }
  .nav a:not(.btn) { padding: .9rem 0; border-bottom: 1px solid var(--line); }
  .nav a:not(.btn)::after { display: none; }
  .nav__cta { margin-top: 1rem; }
  .nav-toggle { display: block; }
  .header__actions { margin-left: auto; }
}
@media (max-width: 900px) {
  .hero__inner, .about, .split, .contact, .rates, .loan-panel { grid-template-columns: 1fr; }
  .hero__card { max-width: 420px; }
  .float-badge { left: auto; right: 10px; }
  .quotes { grid-template-columns: 1fr; }
  .roots { grid-template-columns: 1fr; }
  .photo--tall { grid-row: auto; min-height: 0; }
  .photo--tall img { position: static; aspect-ratio: 4 / 3; }
  .header__actions { margin-left: auto; }
  .about { gap: 3rem; }
  .about__stamp { right: 10px; }
}
@media (max-width: 600px) {
  .topbar__right { display: none; }
  .brand__text small { display: none; }
  .brand__text strong { font-size: .95rem; }
  .brand__mark { width: 38px; height: 38px; }
  .lang__btn { padding: .4em .7em; }
  .cards { grid-template-columns: 1fr; }
  .quick__grid { grid-template-columns: repeat(2, 1fr); }
  .quick__item { border-bottom: 1px solid var(--line); }
  .quick__item:nth-child(odd) { border-right: 1px solid var(--line); }
  .quick__item:nth-child(even) { border-right: 0; }
  .quick__item:nth-last-child(-n+2) { border-bottom: 0; }
  .loan-facts { grid-template-columns: 1fr; }
  .calc__box { grid-template-columns: 1fr; padding: 1.4rem; }
  .form__row { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .rate-card__rate { font-size: 3.2rem; }
  .hero__trust { gap: 1.6rem; }
}