/* ═══════════════════════════════════════════════════
   WealthMetre — style.css  v4.0  Production-Ready
   Blue + Orange fintech theme. Clean. Premium. Stable.
═══════════════════════════════════════════════════ */

/* ─────────────────────────────────────────
   0. RESET + ROOT
───────────────────────────────────────── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  /* Brand colors */
  --blue:        #0A66C2;
  --blue-dk:     #084C95;
  --blue-deep:   #063B73;
  --blue-lt:     #EAF4FF;
  --blue-mid:    #D0E8FF;
  --orange:      #FF9800;
  --orange-dk:   #F57C00;
  --orange-lt:   #FFF4E5;
  --green:       #059669;
  --green-lt:    #D1FAE5;

  /* Neutrals */
  --text:        #1F2937;
  --text-soft:   #4B5563;
  --muted:       #6B7280;
  --border:      #E5E7EB;
  --border-blue: #BFDBFE;
  --bg:          #FFFFFF;
  --section:     #F8FAFC;

  /* Shadows */
  --sh-xs:  0 1px 3px rgba(10,102,194,.06);
  --sh-sm:  0 2px 8px rgba(10,102,194,.08);
  --sh:     0 4px 20px rgba(10,102,194,.10);
  --sh-md:  0 8px 32px rgba(10,102,194,.12);
  --sh-lg:  0 16px 48px rgba(10,102,194,.16);

  /* Spacing scale */
  --sp-1: 4px;  --sp-2: 8px;  --sp-3: 12px;  --sp-4: 16px;
  --sp-5: 20px; --sp-6: 24px; --sp-8: 32px;  --sp-10: 40px;
  --sp-12: 48px; --sp-16: 64px; --sp-20: 80px;

  /* Radii */
  --r:    14px;
  --r-sm: 10px;
  --r-xs: 6px;
  --r-pill: 50px;

  /* Z-index scale */
  --z-base:   0;
  --z-float:  10;
  --z-sticky: 100;
  --z-header: 1000;
  --z-widget: 9000;
  --z-iframe: 9997;
  --z-modal:  9999;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  text-size-adjust: 100%;
}

body {
  font-family: "Plus Jakarta Sans", system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
  line-height: 1.6;
}

img { max-width: 100%; height: auto; display: block; }
a   { text-decoration: none; color: inherit; transition: color .2s; }
button { font-family: inherit; cursor: pointer; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--sp-6);
}

/* ─────────────────────────────────────────
   1. TYPOGRAPHY
───────────────────────────────────────── */
h1 {
  font-size: clamp(2rem, 4.5vw, 3.1rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -.03em;
  color: var(--text);
}
h2 {
  font-size: clamp(1.5rem, 3vw, 2.15rem);
  font-weight: 700;
  line-height: 1.22;
  letter-spacing: -.02em;
  color: var(--text);
}
h3 { font-size: 1.1rem;  font-weight: 700; line-height: 1.35; color: var(--text); }
h4 { font-size: .95rem;  font-weight: 600; line-height: 1.40; color: var(--text); }
p  { color: var(--text-soft); line-height: 1.72; }

/* ─────────────────────────────────────────
   2. BUTTONS — shared base, no !important
───────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  padding: 12px 26px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: -.01em;
  cursor: pointer;
  border: none;
  transition: transform .22s ease, box-shadow .22s ease, background .22s ease;
  white-space: nowrap;
  text-decoration: none;
  line-height: 1;
}
.btn:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-dk); box-shadow: 0 8px 24px rgba(10,102,194,.35); }

.btn-orange { background: var(--orange); color: #fff; }
.btn-orange:hover { background: var(--orange-dk); box-shadow: 0 8px 24px rgba(255,152,0,.40); }

.btn-outline-blue { background: transparent; color: var(--blue); border: 2px solid var(--blue); }
.btn-outline-blue:hover { background: var(--blue); color: #fff; }

.btn-white { background: #fff; color: var(--blue); }
.btn-white:hover { background: var(--blue-lt); }

.btn-wa { background: #25D366; color: #fff; }
.btn-wa:hover { background: #1da851; box-shadow: 0 8px 24px rgba(37,211,102,.40); }

.btn-sm { padding: 9px 18px; font-size: 13px; }

/* ─────────────────────────────────────────
   3. SHARED COMPONENTS
───────────────────────────────────────── */
.sec-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--blue-lt);
  color: var(--blue);
  font-size: 11px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: var(--r-pill);
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 14px;
  border: 1px solid var(--blue-mid);
}
.sec-badge i { font-size: 10px; }

.sec-head { text-align: center; margin-bottom: 56px; }
.sec-head h2 { margin-bottom: 12px; }
.sec-head p { font-size: 16px; color: var(--muted); max-width: 560px; margin: 0 auto; }

/* Fade-up animation */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .55s ease, transform .55s ease;
}
.fade-up.in { opacity: 1; transform: translateY(0); }

/* ─────────────────────────────────────────
   4. HEADER — fixed, no duplication
───────────────────────────────────────── */
header {
  position: sticky;
  top: 0;
  z-index: var(--z-header);
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .3s;
}
header.scrolled { box-shadow: 0 2px 20px rgba(10,102,194,.08); }

.hdr-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: var(--sp-4);
}
.hdr-logo img { height: 68px; width: auto; display: block; }

/* Nav pills */
.hdr-nav ul { list-style: none; display: flex; align-items: center; gap: 5px; }
.hdr-nav a {
  display: inline-flex;
  align-items: center;
  padding: 7px 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
  background: #fff;
  border: 2px solid rgba(10,102,194,.3);
  border-radius: var(--r-pill);
  transition: background .22s, color .22s, transform .22s, box-shadow .22s;
  white-space: nowrap;
  letter-spacing: -.01em;
  box-shadow: 0 1px 4px rgba(10,102,194,.08);
}
.hdr-nav a:hover,
.hdr-nav a.active {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
  box-shadow: 0 4px 14px rgba(10,102,194,.22);
  transform: translateY(-1px);
}
.hdr-nav a:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 2px;
}

/* ── CTA pair — shared base ── */
.hdr-ctas { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

/* Shared header button base — NO !important */
.hdr-btn-base {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 10px 20px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: -.01em;
  line-height: 1;
  white-space: nowrap;
  text-decoration: none;
  cursor: pointer;
  transition: transform .22s ease, box-shadow .22s ease, background .22s ease;
}
.hdr-btn-base:hover { transform: translateY(-2px); }
.hdr-btn-base:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
}

/* Track Loan — outlined */
.hdr-customer {

  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 10px 20px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: -.01em;
  line-height: 1;
  white-space: nowrap;
  text-decoration: none;
  cursor: pointer;
  transition: transform .22s ease, box-shadow .22s ease, background .22s ease;
  background: #fff;
  color: var(--blue-dk);
  border: 2px solid rgba(10,102,194,.28);
  box-shadow: 0 3px 12px rgba(10,102,194,.10);
}
.hdr-customer:hover {
  background: var(--blue-lt);
  border-color: rgba(10,102,194,.5);
  box-shadow: 0 6px 18px rgba(10,102,194,.18);
  transform: translateY(-2px);
  color: var(--blue);
}
.hdr-customer:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
}

/* Partner Login — filled, visually stronger */
.hdr-partner {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 10px 20px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: -.01em;
  line-height: 1;
  white-space: nowrap;
  text-decoration: none;
  cursor: pointer;
  transition: transform .22s ease, box-shadow .22s ease, background .22s ease;
  background: var(--blue-dk);
  color: #fff;
  border: 2px solid transparent;
  box-shadow: 0 4px 16px rgba(8,76,149,.30);
}
.hdr-partner:hover {
  background: var(--blue-deep);
  box-shadow: 0 6px 20px rgba(8,76,149,.40);
  transform: translateY(-2px);
}
.hdr-partner:focus-visible {
  outline: 3px solid var(--blue-lt);
  outline-offset: 3px;
}

.mob-btn {
  display: none;
  background: none;
  border: none;
  font-size: 22px;
  color: var(--blue);
  padding: 8px;
  cursor: pointer;
}

/* ─────────────────────────────────────────
   5. HERO
───────────────────────────────────────── */
#hero {
  background: linear-gradient(180deg, #fff 0%, #F0F7FF 100%);
  padding: var(--sp-20) 0 72px;
  position: relative;
  overflow: hidden;
}
#hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse 800px 600px at 90% 40%, rgba(10,102,194,.06) 0%, transparent 70%),
    radial-gradient(ellipse 400px 300px at 15% 80%, rgba(255,152,0,.04) 0%, transparent 60%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: var(--sp-12);
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--blue-lt);
  border: 1px solid var(--blue-mid);
  border-radius: var(--r-pill);
  padding: 7px 16px;
  color: var(--blue);
  font-size: 12.5px;
  font-weight: 700;
  margin-bottom: var(--sp-5);
}
.hero-eyebrow .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--orange);
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .6; transform: scale(1.3); }
}

.hero-text h1 { color: var(--text); margin-bottom: 18px; line-height: 1.1; }
.hero-text h1 em { font-style: normal; color: var(--blue); }
.hero-text h1 .hl-orange { color: var(--orange); }
.hero-text > p {
  color: var(--text-soft);
  font-size: 17px;
  margin-bottom: var(--sp-8);
  max-width: 520px;
  line-height: 1.65;
}

.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: var(--sp-8); }

/* Strengthen secondary CTA */
.hero-btns .btn-outline-blue {
  border-width: 2.5px;
  font-weight: 700;
}

.hero-trust { display: flex; flex-wrap: wrap; gap: 10px; }
.htrust {
  display: flex;
  align-items: center;
  gap: 7px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-pill);
  padding: 6px 14px;
  color: var(--text-soft);
  font-size: 12px;
  font-weight: 600;
  box-shadow: var(--sh-xs);
}
.htrust i { color: var(--blue); font-size: 11px; }

/* ─────────────────────────────────────────
   6. JOURNEY SECTION — COMPLETE REDESIGN
   Premium 2×2 grid, CSS Grid (no absolute chaos)
   Smooth orb animation stage-to-stage
───────────────────────────────────────── */
.wm-journey-wrap {
  position: relative;
  width: 100%;
  max-width: 560px;
  margin-left: auto;
  /* No fixed height — let content breathe */
  border-radius: 28px;
  background:
    radial-gradient(circle at top right, rgba(10,102,194,.07), transparent 30%),
    radial-gradient(circle at bottom left, rgba(255,152,0,.06), transparent 25%),
    linear-gradient(160deg, #f4f8ff 0%, #edf3ff 100%);
  border: 1.5px solid var(--border-blue);
  box-shadow: var(--sh-lg);
  padding: 28px 24px 32px;
  /* overflow visible so glow effects show */
  overflow: visible;
}

/* Decorative bg circles */
.wm-bg-circle { position: absolute; border-radius: 50%; pointer-events: none; z-index: 0; }
.wm-c1 { width: 140px; height: 140px; top: 10px; right: 30px; background: rgba(10,102,194,.06); }
.wm-c2 { width: 64px;  height: 64px;  top: 54px; right: 6px;  background: rgba(255,152,0,.12); }
.wm-c3 { width: 80px;  height: 80px;  bottom: 20px; left: 16px; background: rgba(255,152,0,.06); }

/* ── 2×2 grid ── */
.wm-journey-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px 20px;
  position: relative;
  z-index: 2;
}

/* Flow line between stages — decorative SVG overlay */
.wm-journey-svg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 1;
  border-radius: 28px;
  overflow: hidden;
}
.wm-path-base {
  fill: none;
  stroke: rgba(10,102,194,.12);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-dasharray: 8 6;
}
.wm-path-anim {
  fill: none;
  stroke: var(--blue);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-dasharray: 20 300;
  animation: wm-flow 3s ease-in-out infinite;
}
@keyframes wm-flow {
  0%   { stroke-dashoffset: 0;    opacity: .9; }
  50%  { stroke-dashoffset: -160; opacity: 1; }
  100% { stroke-dashoffset: -320; opacity: .9; }
}

/* ── Individual stage card ── */
.wm-stage-card {
  background: rgba(255,255,255,.92);
  border: 1.5px solid var(--border-blue);
  border-radius: 18px;
  padding: 18px 16px 18px;
  position: relative;
  transition: border-color .4s ease, box-shadow .4s ease, transform .35s ease;
  backdrop-filter: blur(6px);
  z-index: 2;
  /* float animation per card */
  animation: wm-float 4s ease-in-out infinite;
}
.wm-stage-card:nth-child(2) { animation-delay: .8s; }
.wm-stage-card:nth-child(3) { animation-delay: 1.6s; }
.wm-stage-card:nth-child(4) { animation-delay: 2.4s; }
@keyframes wm-float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-4px); }
}

/* Stage number — subtle watermark */
.wm-stage-num {
  position: absolute;
  top: 10px;
  right: 14px;
  font-size: 44px;
  font-weight: 800;
  color: rgba(10,102,194,.08);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

/* Stage icon node */
.wm-node {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: var(--blue);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  box-shadow: 0 0 0 8px rgba(10,102,194,.08), 0 8px 20px rgba(10,102,194,.20);
  transition: background .4s ease, box-shadow .4s ease, transform .35s ease;
  flex-shrink: 0;
}
.wm-node svg { width: 22px; height: 22px; }

.wm-stage-card h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--blue-deep);
  margin: 0 0 6px;
  line-height: 1.25;
}
.wm-stage-card p {
  font-size: 12.5px;
  color: var(--text-soft);
  line-height: 1.55;
  margin: 0;
}

/* ── Active state — orange highlight ── */
.wm-stage-card.wm-active {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(255,152,0,.15), 0 12px 32px rgba(255,152,0,.18);
  transform: translateY(-3px) !important;
}
.wm-stage-card.wm-active .wm-node {
  background: var(--orange);
  box-shadow: 0 0 0 10px rgba(255,152,0,.15), 0 0 28px rgba(255,152,0,.40);
}
.wm-stage-card.wm-active .wm-stage-num {
  color: rgba(255,152,0,.12);
}
.wm-stage-card.wm-active h4 { color: var(--orange-dk); }

/* ── Done state — green check ── */
.wm-stage-card.wm-done .wm-node {
  background: var(--green);
  box-shadow: 0 0 0 8px rgba(5,150,105,.10);
}

/* ── Travelling orb ── */
.wm-orb {
  position: absolute;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--orange);
  box-shadow: 0 0 16px rgba(255,152,0,.9), 0 0 6px rgba(255,152,0,.6);
  pointer-events: none;
  z-index: 10;
  transition: top .65s cubic-bezier(.4,0,.2,1), left .65s cubic-bezier(.4,0,.2,1);
}

/* ─────────────────────────────────────────
   7. STATS BAR
───────────────────────────────────────── */
#stats { background: var(--blue); padding: 20px 0; }
.stats-inner { display: flex; justify-content: center; flex-wrap: wrap; }
.stat-pill {
  text-align: center;
  padding: 10px 44px;
  border-right: 1px solid rgba(255,255,255,.15);
}
.stat-pill:last-child { border-right: none; }
.sp-num { font-size: 28px; font-weight: 800; color: #fff; line-height: 1; }
.sp-lbl { font-size: 11px; color: rgba(255,255,255,.65); margin-top: 3px; letter-spacing: .02em; }

/* ─────────────────────────────────────────
   8. TRUST STRIP
───────────────────────────────────────── */
#trust-strip {
  background: var(--blue-lt);
  padding: 14px 0;
  border-top: 1px solid var(--blue-mid);
  border-bottom: 1px solid var(--blue-mid);
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
}
.ts-item { display: flex; align-items: center; gap: 8px; color: var(--blue-dk); font-size: 13px; font-weight: 700; }
.ts-item i { font-size: 14px; color: var(--orange); }
.ts-sep { width: 4px; height: 4px; border-radius: 50%; background: var(--blue-mid); }

/* ─────────────────────────────────────────
   9. LOAN CARDS
───────────────────────────────────────── */
#loans { padding: 88px 0; background: #fff; }
.loans-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.loan-card {
  background: #fff;
  border-radius: var(--r);
  padding: 26px 22px;
  border: 1.5px solid var(--border);
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); border-color: var(--border-blue); }
.loan-card:hover::after { transform: scaleX(1); }

.lc-icon {
  width: 54px; height: 54px;
  border-radius: 14px;
  background: var(--blue-lt);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  color: var(--blue);
  margin-bottom: 16px;
  transition: all .35s ease;
  border: 1px solid var(--blue-mid);
}
.loan-card:hover .lc-icon { background: var(--blue); color: #fff; transform: scale(1.06); border-color: var(--blue); }
.loan-card h3 { margin-bottom: 7px; font-size: 16px; }
.loan-card p  { font-size: 13px; margin-bottom: 14px; line-height: 1.6; }
.lc-rate {
  display: inline-flex; align-items: center; gap: 5px;
  background: var(--orange-lt); color: var(--orange-dk);
  font-size: 11.5px; font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--r-pill);
  margin-bottom: 14px;
  border: 1px solid #FFE0A0;
}
.lc-link {
  display: flex; align-items: center; gap: 6px;
  color: var(--blue); font-size: 13px; font-weight: 700;
  margin-top: 4px;
  transition: gap .2s ease;
}
.loan-card:hover .lc-link { gap: 10px; }

/* ─────────────────────────────────────────
   10. WHY US
───────────────────────────────────────── */
#why { padding: 88px 0; background: var(--section); }
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.why-card {
  background: #fff;
  padding: 26px 22px;
  border-radius: var(--r);
  border: 1.5px solid var(--border);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  position: relative;
  overflow: hidden;
}
.why-card::before {
  content: '';
  position: absolute; top: 0; left: 0;
  width: 3px; height: 100%;
  background: var(--blue);
  transform: scaleY(0);
  transform-origin: top;
  transition: transform .35s ease;
}
.why-card:hover { box-shadow: var(--sh-md); border-color: var(--border-blue); transform: translateY(-4px); }
.why-card:hover::before { transform: scaleY(1); }

.wc-icon {
  width: 50px; height: 50px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  margin-bottom: 14px;
  transition: transform .3s ease;
  background: var(--blue-lt);
  color: var(--blue);
  border: 1px solid var(--blue-mid);
}
.wc-icon.orange { background: var(--orange-lt); color: var(--orange-dk); border-color: #FFE0A0; }
.wc-icon.green  { background: #D1FAE5; color: #065F46; border-color: #A7F3D0; }
.why-card:hover .wc-icon { transform: scale(1.1) rotate(-4deg); }
.why-card p { font-size: 13.5px; line-height: 1.65; margin-top: 8px; }

/* ─────────────────────────────────────────
   11. HOW IT WORKS
───────────────────────────────────────── */
#how {
  padding: 88px 0;
  background: linear-gradient(145deg, var(--blue-deep), var(--blue-dk) 50%, var(--blue));
}
#how .sec-badge { background: rgba(255,255,255,.15); color: #fff; border-color: rgba(255,255,255,.2); }
#how .sec-head h2 { color: #fff; }
#how .sec-head p  { color: rgba(255,255,255,.72); }

.steps-track {
  display: flex;
  align-items: flex-start;
  position: relative;
  gap: 0;
}
.steps-track::before {
  content: '';
  position: absolute;
  top: 42px;
  left: calc(40px + 40px);
  right: calc(40px + 40px);
  height: 1.5px;
  background: rgba(255,255,255,.15);
  z-index: 0;
}
.step-node {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 10px;
  position: relative;
  z-index: 1;
}
.step-circle {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  border: 2px solid rgba(255,255,255,.22);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  transition: background .35s ease, border-color .35s ease, transform .35s ease;
  position: relative;
}
.step-circle::before {
  content: attr(data-n);
  position: absolute; top: -8px; right: -8px;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--orange);
  color: #fff;
  font-size: 11px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step-circle i { font-size: 26px; color: rgba(255,255,255,.85); transition: transform .35s; }
.step-node:hover .step-circle { background: var(--orange); border-color: var(--orange); transform: scale(1.08); }
.step-node:hover .step-circle i { transform: scale(1.12); color: #fff; }
.step-node h4 { color: #fff; font-size: 13.5px; font-weight: 700; margin-bottom: 5px; }
.step-node p  { color: rgba(255,255,255,.62); font-size: 12px; max-width: 130px; }

/* ─────────────────────────────────────────
   12. DIVA AI SECTION
───────────────────────────────────────── */
#diva { padding: 88px 0; background: #fff; }
.diva-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.diva-text .sec-badge { background: var(--blue-lt); color: var(--blue); }
.diva-feats { display: flex; flex-direction: column; gap: 14px; margin: 22px 0 28px; }
.diva-feat { display: flex; align-items: flex-start; gap: 12px; }
.df-icon {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--blue-lt);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px;
  flex-shrink: 0;
  margin-top: 2px;
  border: 1px solid var(--blue-mid);
}
.df-text { font-size: 14px; color: var(--text-soft); line-height: 1.6; }
.df-text strong { color: var(--text); font-weight: 600; }

/* Chat widget preview */
.chat-widget {
  background: #fff;
  border: 1.5px solid var(--border-blue);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--sh-md);
}
.cw-header {
  background: linear-gradient(135deg, var(--blue-deep), var(--blue));
  padding: 16px 20px;
  display: flex; align-items: center; gap: 12px;
}
.cw-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; flex-shrink: 0;
}
.cw-header .name { font-weight: 700; font-size: 14px; color: #fff; }
.cw-status {
  display: flex; align-items: center; gap: 5px;
  font-size: 11.5px; color: rgba(255,255,255,.72); margin-top: 1px;
}
.cw-dot { width: 7px; height: 7px; border-radius: 50%; background: #4ADE80; }

.chat-msgs {
  padding: 16px 16px 10px;
  display: flex; flex-direction: column; gap: 10px;
  background: #F8FAFC;
}
.msg { padding: 10px 14px; border-radius: 12px; font-size: 13px; line-height: 1.55; max-width: 88%; }
.msg-lbl { font-size: 10px; font-weight: 700; opacity: .6; margin-bottom: 4px; text-transform: uppercase; letter-spacing: .04em; }
.msg-bot  { background: #fff; border: 1px solid var(--border); color: var(--text); align-self: flex-start; border-bottom-left-radius: 4px; }
.msg-user { background: var(--blue); color: #fff; align-self: flex-end; border-bottom-right-radius: 4px; }

.msg-result {
  background: var(--blue-lt); border: 1px solid var(--blue-mid);
  border-radius: 10px; padding: 10px 12px; margin-top: 8px;
}
.mr-top { display: flex; justify-content: space-between; font-size: 10.5px; color: var(--blue); font-weight: 700; margin-bottom: 4px; }
.mr-lender { font-size: 15px; font-weight: 800; color: var(--text); }
.mr-roi    { font-size: 22px; font-weight: 800; color: var(--orange); margin: 2px 0; }
.mr-stars  { color: var(--orange); font-size: 12px; }

.dots { display: flex; gap: 4px; padding: 8px 16px; background: #F8FAFC; }
.dot-anim {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--muted);
  animation: dots-anim 1.4s infinite both;
}
.dot-anim:nth-child(2) { animation-delay: .2s; }
.dot-anim:nth-child(3) { animation-delay: .4s; }
@keyframes dots-anim {
  0%, 80%, 100% { opacity: .2; transform: scale(.7); }
  40%            { opacity: 1;  transform: scale(1); }
}

.cw-cta {
  padding: 14px 16px;
  background: var(--blue-lt);
  border-top: 1px solid var(--blue-mid);
  display: flex; align-items: center; justify-content: space-between;
}
.cw-cta span { font-size: 12px; color: var(--muted); }
.cw-cta a {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--blue); color: #fff;
  padding: 7px 16px; border-radius: var(--r-pill);
  font-size: 12.5px; font-weight: 700;
  transition: background .2s, transform .2s;
}
.cw-cta a:hover { background: var(--blue-dk); transform: translateY(-1px); }

/* ─────────────────────────────────────────
   13. TESTIMONIALS
───────────────────────────────────────── */
#testimonials { padding: 88px 0; background: var(--section); }
.testi-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin-bottom: 32px; }
.tcard {
  background: #fff; border-radius: var(--r);
  padding: 26px; border: 1.5px solid var(--border);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  display: flex; flex-direction: column; gap: 14px;
}
.tcard:hover { transform: translateY(-4px); box-shadow: var(--sh-md); border-color: var(--border-blue); }
.tc-stars { color: var(--orange); font-size: 16px; letter-spacing: 2px; }

blockquote { font-size: 14px; color: var(--text-soft); line-height: 1.7; font-style: italic; flex: 1; }
blockquote::before {
  content: '\201C';
  font-size: 40px; line-height: 0;
  vertical-align: -.5em;
  color: var(--blue-mid);
  margin-right: 2px;
}
.tc-client { display: flex; align-items: center; gap: 12px; }
.tc-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-dk));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 13.5px; font-weight: 800; flex-shrink: 0;
}
.tc-name { font-weight: 700; font-size: 14px; color: var(--text); }
.tc-role { font-size: 12px; color: var(--muted); margin-top: 1px; }

.rating-band {
  background: linear-gradient(135deg, var(--blue-deep), var(--blue));
  border-radius: var(--r);
  padding: 32px 40px;
  display: flex; align-items: center; justify-content: space-around; gap: 20px; flex-wrap: wrap;
}
.rb-item { text-align: center; color: #fff; }
.rb-big  { font-size: 44px; font-weight: 800; color: #fff; line-height: 1; }
.rb-num-orange { color: var(--orange); }
.rb-lbl  { font-size: 13px; opacity: .72; margin-top: 4px; }
.rb-stars { color: var(--orange); font-size: 16px; margin-top: 6px; }

/* ─────────────────────────────────────────
   14. PARTNERS
───────────────────────────────────────── */
#partners {
  padding: 80px 0;
  background: linear-gradient(135deg, #F0F6FF 0%, #F8FAFF 50%, #F0F6FF 100%);
  position: relative; overflow: hidden;
}
#partners::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(ellipse 600px 400px at 10% 50%, rgba(10,102,194,.04) 0%, transparent 70%),
    radial-gradient(ellipse 400px 300px at 90% 20%, rgba(255,152,0,.04) 0%, transparent 60%);
  pointer-events: none;
}
.lender-wrap { display: grid; grid-template-columns: 320px 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.lender-left .sec-badge { margin-bottom: 16px; }
.lender-left h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 14px; line-height: 1.2; }
.lender-left p  { font-size: 14.5px; color: var(--muted); line-height: 1.72; margin-bottom: 24px; }
.lender-stats { display: flex; gap: 24px; margin-bottom: 28px; }
.ls-item { text-align: center; }
.ls-num { font-size: 28px; font-weight: 800; color: var(--blue); line-height: 1; }
.ls-lbl { font-size: 11px; color: var(--muted); margin-top: 3px; font-weight: 600; }

.logo-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 10px; }
.lcard {
  background: #fff; border-radius: 12px;
  padding: 14px 10px 10px;
  border: 1px solid rgba(10,102,194,.1);
  display: flex; flex-direction: column; align-items: center; gap: 7px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  box-shadow: 0 2px 8px rgba(10,102,194,.05);
}
.lcard:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(10,102,194,.14); border-color: rgba(10,102,194,.25); }
.lcard-logo {
  width: 88px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  background: #fff; border-radius: 8px; padding: 4px;
}
.lcard-logo img { max-width: 84px; max-height: 32px; width: auto; height: auto; object-fit: contain; }
.lcard-name { font-size: 9px; font-weight: 700; color: var(--muted); text-align: center; line-height: 1.3; letter-spacing: .02em; }
.lcard:hover .lcard-name { color: var(--blue); }
.lcard-more { background: linear-gradient(135deg, var(--blue), var(--blue-dk)); border-color: transparent; justify-content: center; gap: 4px; }
.lcard-more:hover { box-shadow: 0 8px 24px rgba(10,102,194,.3); }
.lcard-more .lcard-name { color: rgba(255,255,255,.85); font-size: 10px; }

/* ─────────────────────────────────────────
   15. CALCULATOR
───────────────────────────────────────── */
#calc { padding: 88px 0; background: var(--blue-lt); }
#calc .sec-badge { background: #fff; border-color: var(--border-blue); }
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }

.calc-panel {
  background: #fff; border-radius: var(--r);
  padding: 32px; border: 1.5px solid var(--border-blue);
  box-shadow: var(--sh-sm);
}
.calc-panel h3 { margin-bottom: 22px; font-size: 17px; }
.fg { margin-bottom: 20px; }
.fg-lbl { display: flex; justify-content: space-between; font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.fg-lbl span { color: var(--blue); font-weight: 800; }
input[type=range] { width: 100%; accent-color: var(--blue); height: 5px; cursor: pointer; }

.emi-display {
  background: var(--blue-lt); border: 1.5px solid var(--blue-mid);
  border-radius: var(--r-sm); padding: 16px 18px; margin-top: 6px;
  display: flex; justify-content: space-between; align-items: center;
}
.emi-label { font-size: 14px; color: var(--text-soft); }
#emi-disp  { font-size: 26px; font-weight: 800; color: var(--blue); }

.calc-result-panel {
  background: linear-gradient(145deg, var(--blue-deep), var(--blue));
  border-radius: var(--r); padding: 32px; color: #fff;
  box-shadow: var(--sh-md);
}
.calc-result-panel h3 { color: #fff; margin-bottom: 20px; font-size: 17px; }
.cr-row {
  background: rgba(255,255,255,.10);
  border-radius: 9px; padding: 13px 18px; margin-bottom: 10px;
  display: flex; justify-content: space-between; align-items: center;
  border: 1px solid rgba(255,255,255,.10);
}
.cr-lbl { font-size: 13px; opacity: .75; }
.cr-val { font-size: 18px; font-weight: 800; color: var(--orange); }
.cr-chart { height: 175px; margin-top: 18px; position: relative; }
.calc-apply { margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.12); }
.calc-apply p { font-size: 13px; color: rgba(255,255,255,.65); margin-bottom: 10px; }

/* ─────────────────────────────────────────
   16. FAQ
───────────────────────────────────────── */
#faq { padding: 88px 0; background: #fff; }
.faq-list { display: flex; flex-direction: column; gap: 10px; max-width: 840px; margin: 0 auto; }
.faq-item {
  background: #fff; border-radius: var(--r-sm);
  border: 1.5px solid var(--border);
  overflow: hidden; transition: border-color .25s ease, box-shadow .25s ease;
}
.faq-item.active { border-color: var(--blue); box-shadow: var(--sh-sm); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 17px 20px; cursor: pointer; gap: 18px; user-select: none;
}
.faq-q:focus-visible { outline: 2px solid var(--blue); outline-offset: -2px; }
.faq-q h4 { font-size: 14.5px; font-weight: 700; color: var(--text); flex: 1; }
.faq-q .fq-icon {
  width: 30px; height: 30px; border-radius: 8px;
  background: var(--blue-lt); color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; transition: all .3s ease; flex-shrink: 0;
  border: 1px solid var(--blue-mid);
}
.faq-item.active .fq-icon { background: var(--blue); color: #fff; transform: rotate(45deg); border-color: var(--blue); }
.faq-a { padding: 0 20px; max-height: 0; overflow: hidden; transition: max-height .4s ease, padding .4s ease; }
.faq-item.active .faq-a { padding: 0 20px 18px; max-height: 300px; }
.faq-a p { font-size: 13.5px; color: var(--muted); line-height: 1.72; }

/* ─────────────────────────────────────────
   17. LEAD FORM
───────────────────────────────────────── */
#lead { padding: 88px 0; background: var(--section); }
.lead-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }

.lead-form-box {
  background: #fff; border-radius: var(--r);
  padding: 36px; border: 1.5px solid var(--border-blue);
  box-shadow: var(--sh-md);
}
.lead-form-box h2 { margin-bottom: 6px; color: var(--text); }
.lfb-sub { color: var(--muted); margin-bottom: 24px; font-size: 14.5px; }
.lf-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.lfield { margin-bottom: 13px; }
.lfield label { display: block; font-size: 12px; font-weight: 700; color: var(--text); margin-bottom: 5px; }
.lfield input,
.lfield select,
.lfield textarea {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-xs);
  background: #fff; color: var(--text);
  font-family: inherit; font-size: 14px;
  outline: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.lfield input::placeholder,
.lfield textarea::placeholder { color: var(--muted); }
.lfield input:focus,
.lfield select:focus,
.lfield textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(10,102,194,.08);
}

.lead-info { display: flex; flex-direction: column; gap: 20px; justify-content: center; }
.li-card { background: #fff; border-radius: var(--r); padding: 26px; border: 1.5px solid var(--border); box-shadow: var(--sh-xs); }
.li-card h3 { font-size: 16px; margin-bottom: 14px; }
.li-row { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px; }
.li-row:last-child { margin-bottom: 0; }
.li-ico {
  width: 42px; height: 42px; border-radius: 11px;
  background: var(--blue-lt); color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-size: 17px; flex-shrink: 0; margin-top: 1px;
  border: 1px solid var(--blue-mid);
}
.li-lbl { font-size: 11.5px; color: var(--muted); margin-bottom: 2px; }
.li-val { font-size: 14px; font-weight: 700; color: var(--text); }

.cta-highlight {
  background: linear-gradient(135deg, var(--orange), var(--orange-dk));
  border-radius: var(--r); padding: 26px;
  color: #fff; text-align: center;
}
.cta-highlight h3 { font-size: 17px; margin-bottom: 6px; }
.cta-highlight p { color: rgba(255,255,255,.88); font-size: 13.5px; margin-bottom: 18px; }
.cta-hl-btns { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }

/* ─────────────────────────────────────────
   18. FOOTER
───────────────────────────────────────── */
footer { background: #0B2545; padding: 56px 0 0; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 44px; }
.footer-logo-badge {
  display: inline-flex; align-items: center; justify-content: center;
  background: #fff; border-radius: 14px; padding: 10px 14px;
  box-shadow: 0 8px 24px rgba(0,0,0,.12); margin-bottom: 16px;
}
.fl-logo p { font-size: 12.5px; color: rgba(255,255,255,.50); line-height: 1.7; margin-bottom: 18px; margin-top: 8px; }
.fl-socials { display: flex; gap: 9px; flex-wrap: wrap; }
.fsoc {
  width: 38px; height: 38px; border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; transition: transform .25s ease; text-decoration: none;
}
.fsoc:focus-visible { outline: 2px solid #fff; outline-offset: 2px; }
.fsoc-fb { background: #1877F2; color: #fff; } .fsoc-fb:hover { background: #0D65D9; transform: scale(1.1); }
.fsoc-tw { background: #000;    color: #fff; } .fsoc-tw:hover { background: #333;    transform: scale(1.1); }
.fsoc-ig { background: linear-gradient(45deg, #F09433, #E6683C, #DC2743, #CC2366, #BC1888); color: #fff; }
.fsoc-ig:hover { transform: scale(1.1); opacity: .9; }
.fsoc-li { background: #0A66C2; color: #fff; } .fsoc-li:hover { background: #004A95; transform: scale(1.1); }
.fsoc-wa { background: #25D366; color: #fff; } .fsoc-wa:hover { background: #1EBE5D; transform: scale(1.1); }
.fsoc-yt { background: #FF0000; color: #fff; } .fsoc-yt:hover { background: #CC0000; transform: scale(1.1); }

.fc h4 { font-size: 13.5px; font-weight: 700; color: #fff; margin-bottom: 14px; }
.fc ul { list-style: none; }
.fc li { margin-bottom: 9px; }
.fc a  { font-size: 12.5px; color: rgba(255,255,255,.50); transition: color .2s; display: flex; align-items: center; gap: 6px; }
.fc a:hover { color: var(--orange); }
.fc a:focus-visible { outline: 2px solid rgba(255,255,255,.6); outline-offset: 2px; border-radius: 2px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 18px 0;
  display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap;
}
.fb-copy { font-size: 12px; color: rgba(255,255,255,.38); }
.fb-disc { font-size: 11px; color: rgba(255,255,255,.28); max-width: 540px; }

/* ─────────────────────────────────────────
   19. FLOATING / STICKY / POPUP
───────────────────────────────────────── */
.float-wa {
  position: fixed; bottom: 100px; right: 22px;
  z-index: var(--z-widget);
  width: 52px; height: 52px; border-radius: 50%;
  background: #25D366; color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
  box-shadow: 0 4px 18px rgba(37,211,102,.5);
  transition: transform .25s ease;
  text-decoration: none;
}
.float-wa:hover { transform: scale(1.12); }

.sticky-bar {
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: var(--z-widget);
  background: var(--blue-deep);
  padding: 11px 24px;
  display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap;
  box-shadow: 0 -4px 20px rgba(0,0,0,.18);
  transform: translateY(102%);
  transition: transform .4s ease;
}
.sticky-bar.visible { transform: translateY(0); }
.sb-text { color: rgba(255,255,255,.88); font-size: 13.5px; font-weight: 600; }

.popup-overlay {
  position: fixed; inset: 0;
  background: rgba(0,0,0,.50);
  backdrop-filter: blur(4px);
  z-index: var(--z-modal);
  display: none; align-items: center; justify-content: center; padding: 20px;
}
.popup-overlay.show { display: flex; }
.popup-box {
  background: #fff; border-radius: 20px;
  padding: 36px; max-width: 400px; width: 100%;
  position: relative; box-shadow: 0 24px 80px rgba(0,0,0,.25);
}
.popup-close { position: absolute; top: 14px; right: 16px; background: none; border: none; font-size: 22px; color: var(--muted); cursor: pointer; }
.popup-close:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.popup-box h3 { font-size: 20px; font-weight: 800; color: var(--text); margin-bottom: 8px; }
.popup-box p  { font-size: 14px; color: var(--muted); margin-bottom: 18px; line-height: 1.6; }
.popup-form input {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 9px;
  font-family: inherit; font-size: 14px; outline: none;
  margin-bottom: 10px; color: var(--text);
  transition: border-color .2s;
}
.popup-form input:focus { border-color: var(--blue); }

/* iframe widget container */
#divaWidgetFrame {
  position: fixed; right: 0; bottom: 0;
  width: 440px; height: 740px;
  border: 0; z-index: var(--z-iframe);
  background: transparent; pointer-events: all;
}

/* ─────────────────────────────────────────
   20. ASK DIVA WIDGET — fixed green dot
───────────────────────────────────────── */
#divaToggle {
  position: fixed;
  bottom: 20px; right: 20px;
  z-index: calc(var(--z-iframe) + 2);
  display: flex; align-items: center; gap: 10px;
  background: #fff;
  border-radius: 40px;
  padding: 8px 16px 8px 8px;
  box-shadow: 0 4px 20px rgba(30,58,138,.25);
  border: 2px solid #DBEAFE;
  cursor: pointer;
  transition: transform .3s ease, box-shadow .3s ease;
  user-select: none;
}
#divaToggle:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(30,58,138,.30); }
#divaToggle:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }

/* Avatar — position:relative so dot anchors to it */
#divaToggle .dv-avatar {
  position: relative;
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, #1E3A8A, #3B82F6);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
#divaToggle .dv-avatar svg { width: 26px; height: 26px; fill: white; }

/* Green dot — on avatar, not on wrapper */
#divaToggle .dv-avatar .dv-pulse,
#divaToggle .dv-avatar .pulse {
  position: absolute;
  top: -2px; right: -2px;
  width: 13px; height: 13px;
  border-radius: 50%;
  background: #22C55E;
  border: 2.5px solid #fff;
  animation: diva-pulse 2s infinite;
  z-index: 2;
}
@keyframes diva-pulse {
  0%   { box-shadow: 0 0 0 0   rgba(34,197,94,.5); }
  70%  { box-shadow: 0 0 0 7px rgba(34,197,94,0); }
  100% { box-shadow: 0 0 0 0   rgba(34,197,94,0); }
}

#divaToggle .dv-label { font-size: 15px; font-weight: 600; color: #1A1A2E; line-height: 1.2; }
#divaToggle .dv-label small { display: block; font-size: 11px; font-weight: 400; color: #6B7280; }

.open-diva-trigger { cursor: pointer; }

/* ─────────────────────────────────────────
   21. ACCESSIBILITY
───────────────────────────────────────── */
/* Skip link */
.skip-link {
  position: absolute; top: -40px; left: 0;
  background: var(--blue); color: #fff;
  padding: 8px 16px; border-radius: 0 0 8px 0;
  font-weight: 700; z-index: var(--z-modal);
  transition: top .2s;
}
.skip-link:focus { top: 0; }

/* Visible focus rings for all interactive elements */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Minimum contrast for muted text — meets WCAG AA */
.muted-text { color: #4B5563; } /* not var(--muted) which is #6B7280 */

/* ─────────────────────────────────────────
   22. RESPONSIVE — tablet landscape
───────────────────────────────────────── */
@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .wm-journey-wrap { max-width: 100%; }
}

/* ─────────────────────────────────────────
   23. RESPONSIVE — tablet portrait
───────────────────────────────────────── */
@media (max-width: 1024px) {
  .container { padding: 0 20px; }
  .hero-grid { grid-template-columns: 1fr; }
  .wm-journey-wrap { max-width: 540px; margin: 0 auto; }
  .loans-grid  { grid-template-columns: repeat(2,1fr); }
  .why-grid    { grid-template-columns: repeat(2,1fr); }
  .diva-grid   { grid-template-columns: 1fr; gap: 36px; }
  .testi-grid  { grid-template-columns: 1fr 1fr; }
  .lender-wrap { grid-template-columns: 1fr; }
  .logo-grid   { grid-template-columns: repeat(4,1fr); }
  .calc-wrap   { grid-template-columns: 1fr; }
  .lead-grid   { grid-template-columns: 1fr; }
  .footer-top  { grid-template-columns: 1fr 1fr; gap: 32px; }
  .steps-track { flex-wrap: wrap; gap: 24px; }
  .steps-track::before { display: none; }
  .rating-band { padding: 28px 32px; }
  #hero { padding: 60px 0 56px; }
}

/* ─────────────────────────────────────────
   24. RESPONSIVE — small tablet / large phone
───────────────────────────────────────── */
@media (max-width: 900px) {
  .hdr-nav {
    display: none;
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--border);
    padding: 14px 0; box-shadow: var(--sh-md);
  }
  .hdr-nav.open { display: block; }
  .hdr-nav ul { flex-direction: column; padding: 0 20px; gap: 6px; }
  .hdr-nav a  { display: block; padding: 10px 18px; border-radius: 12px; width: 100%; text-align: center; }
  .mob-btn { display: flex; }
  .hdr-call { display: none; }
  .hdr-customer, .hdr-partner { padding: 9px 14px; font-size: 12.5px; }
  .hdr-ctas { gap: 8px; }
  .testi-grid { grid-template-columns: 1fr; }
  .sec-head { margin-bottom: 36px; }
  #loans,#why,#how,#diva,#testimonials,#partners,#calc,#faq,#lead { padding: 60px 0; }
  .steps-track { gap: 16px; }
  .step-node { padding: 0 8px; }
}

/* ─────────────────────────────────────────
   25. RESPONSIVE — mobile
───────────────────────────────────────── */
@media (max-width: 640px) {
  .container { padding: 0 16px; }
  #hero { padding: 48px 0 44px; }
  .hero-eyebrow { font-size: 11px; padding: 5px 12px; }
  .hero-text > p { font-size: 15px; }
  .hero-btns { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-btns .btn { justify-content: center; width: 100%; padding: 14px 20px; font-size: 15px; }
  .hero-trust { gap: 8px; }
  .htrust { font-size: 11px; padding: 5px 10px; }

  /* Journey — clean vertical stack */
  .wm-journey-wrap {
    padding: 20px 16px 24px;
    border-radius: 20px;
  }
  .wm-journey-svg,
  .wm-orb { display: none; }
  .wm-bg-circle { display: none; }
  .wm-journey-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .wm-stage-card {
    animation: none;
    transform: none !important;
  }
  .wm-stage-card.wm-active {
    transform: none !important;
  }
  .wm-stage-num { font-size: 36px; top: 8px; right: 10px; }
  .wm-node { width: 46px; height: 46px; margin-bottom: 10px; }
  .wm-node svg { width: 20px; height: 20px; }
  .wm-stage-card h4 { font-size: 14px; }
  .wm-stage-card p  { font-size: 12px; }

  /* Stats */
  .stat-pill { padding: 10px 18px; border-right: none; border-bottom: 1px solid rgba(255,255,255,.10); width: 50%; }
  .stat-pill:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.15); }
  .stats-inner { flex-wrap: wrap; }

  /* Trust */
  .trust-strip-inner { gap: 20px; }
  .ts-sep { display: none; }
  .ts-item { font-size: 12px; }

  /* Sections */
  .loans-grid { grid-template-columns: 1fr; gap: 14px; }
  #loans,#why,#how,#diva,#testimonials,#partners,#calc,#faq,#lead { padding: 48px 0; }
  .sec-head { margin-bottom: 28px; }
  .sec-head p { font-size: 14px; }
  .why-grid { grid-template-columns: 1fr; gap: 12px; }
  .why-card { padding: 20px; }
  .diva-feats { gap: 10px; }
  .df-text { font-size: 13px; }
  .tcard { padding: 20px; }
  blockquote { font-size: 13px; }

  /* Partners */
  .logo-grid { grid-template-columns: repeat(3,1fr); gap: 8px; }
  .lcard-logo { width: 60px; height: 28px; }
  .lender-left h2 { font-size: 1.5rem; }
  .lender-stats { gap: 16px; }

  /* Calc */
  .calc-panel, .calc-result-panel { padding: 22px; }
  .cr-val { font-size: 16px; }
  #emi-disp { font-size: 22px; }

  /* FAQ */
  .faq-q { padding: 14px 16px; }
  .faq-q h4 { font-size: 13.5px; }

  /* Lead */
  .lead-form-box { padding: 22px; }
  .lf-2col { grid-template-columns: 1fr; }
  .li-card { padding: 20px; }
  .cta-hl-btns { flex-direction: column; }
  .cta-hl-btns .btn { width: 100%; justify-content: center; }

  /* Rating */
  .rating-band { padding: 20px 16px; gap: 14px; }
  .rb-big { font-size: 34px; }

  /* Footer */
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 8px; }

  /* Sticky */
  .sticky-bar { padding: 9px 12px; gap: 8px; }
  .sb-text { font-size: 12px; }
  .sticky-bar .btn-sm { padding: 7px 12px; font-size: 12px; }

  /* Popup */
  .popup-box { padding: 24px 20px; border-radius: 16px; }
  .popup-box h3 { font-size: 17px; }

  /* Header CTAs — compact */
  .hdr-customer, .hdr-partner { padding: 8px 12px; font-size: 12px; }
  .hdr-ctas { gap: 6px; }

  /* Widget */
  #divaToggle { right: 12px; bottom: 16px; }
  #divaWidgetFrame { width: 100vw; height: 82vh; bottom: 50px; }
}

/* ─────────────────────────────────────────
   26. RESPONSIVE — very small phones
───────────────────────────────────────── */
@media (max-width: 480px) {
  .sticky-bar .sb-text { display: none; }
  .sticky-bar { justify-content: space-around; padding: 8px 12px; }
  .sticky-bar .btn { font-size: 12px; padding: 8px 14px; }
  .step-node { flex-direction: row; text-align: left; padding: 0; gap: 12px; align-items: flex-start; }
  .step-circle { width: 52px; height: 52px; flex-shrink: 0; margin-bottom: 0; }
  .step-node h4 { font-size: 13px; margin-bottom: 2px; }
  .step-node p  { font-size: 11.5px; max-width: none; }
  .steps-track { flex-direction: column; align-items: flex-start; gap: 8px; }
  .steps-track::before { display: none; }
}

@media (max-width: 400px) {
  h1 { font-size: 1.7rem; }
  .hdr-logo img { height: 52px; }
  .hdr-inner { height: 68px; }
  .htrust { font-size: 10.5px; padding: 4px 9px; }
}

/* ─────────────────────────────────────────
   27. PERFORMANCE — reduced motion
───────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  html { scroll-behavior: auto; }
}

/* ─────────────────────────────────────────
   28. PERFORMANCE — mobile optimizations
───────────────────────────────────────── */
@media (max-width: 768px) {
  /* Reduce heavy backdrop-filter on mobile */
  header { backdrop-filter: none; background: rgba(255,255,255,.99); }
  .wm-journey-wrap { backdrop-filter: none; }
  .wm-stage-card    { backdrop-filter: none; }
  /* Simplify heavy shadows */
  .wm-journey-wrap  { box-shadow: 0 8px 24px rgba(10,102,194,.12); }
  .lead-form-box    { box-shadow: 0 4px 16px rgba(10,102,194,.10); }
  /* Disable float animations on mobile for perf */
  .wm-stage-card { animation: none; }
  #divaWidgetFrame { width: 100vw; height: 88vh; bottom: 56px; }
}
/* ═══════════════════════════════════════════
   EMERGENCY PATCH — paste at bottom of style_v4.css
   Fixes: blank page, missing --wm-* variables,
   fade-up fallback, JS-independent visibility
═══════════════════════════════════════════ */

/* 1. Re-add --wm-* aliases so inline HTML styles still work */
:root {
  --wm-blue:        var(--blue);
  --wm-blue-dark:   var(--blue-dk);
  --wm-blue-deep:   var(--blue-deep);
  --wm-blue-soft:   var(--blue-lt);
  --wm-blue-mid:    var(--blue-mid);
  --wm-orange:      var(--orange);
  --wm-orange-dark: var(--orange-dk);
  --wm-orange-soft: var(--orange-lt);
  --wm-text:        var(--text);
  --wm-text-soft:   var(--text-soft);
  --wm-muted:       var(--muted);
  --wm-border:      var(--border);
  --wm-border-blue: var(--border-blue);
  --wm-section:     var(--section);
}

/* 2. Fade-up: show content if JS fails or hasn't run yet.
      JS still adds .in for the animated version.
      This ensures page is NEVER blank. */
.fade-up {
  opacity: 1;
  transform: none;
  transition: none;
}

/* 3. Only animate when JS has confirmed the element is visible */
.fade-up.js-ready {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .55s ease, transform .55s ease;
}
.fade-up.js-ready.in {
  opacity: 1;
  transform: translateY(0);
}


/* =========================================================
   Moved from homepage inline <style> blocks
   ========================================================= */


/* ---- Former inline style block 1 ---- */

/* ═══════════════════════════════════════
   GROWTH FIX ADDITIONS — inline styles
   All new sections / components
═══════════════════════════════════════ */

/* #1 — Local SEO Cities Section */
.local-seo{padding:52px 0;background:#f0f4ff;border-top:1px solid #dbeafe;border-bottom:1px solid #dbeafe}
.local-seo .sec-head{margin-bottom:32px}
.city-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}
.city-pill{display:flex;align-items:center;gap:10px;background:#fff;border:1.5px solid #dbeafe;border-radius:12px;padding:14px 18px;transition:all .25s;text-decoration:none;color:inherit}
.city-pill:hover{border-color:var(--wm-blue);background:#eff4ff;transform:translateY(-2px);box-shadow:0 4px 16px rgba(30,58,138,.1)}
.city-pill i{font-size:15px;color:var(--wm-blue)}
.city-pill .cp-name{font-size:14px;font-weight:600;color:#1e3a8a}
.city-pill .cp-sub{font-size:11.5px;color:var(--wm-muted);margin-top:2px}
.local-seo-note{text-align:center;font-size:13px;color:var(--wm-muted);margin-top:20px}
.seo-pages-strip{display:flex;flex-wrap:wrap;justify-content:center;gap:8px;margin-top:24px}
.seo-page-link{font-size:12.5px;font-weight:600;color:#1e3a8a;border:1px solid #dbeafe;border-radius:50px;padding:6px 14px;transition:all .2s;text-decoration:none}
.seo-page-link:hover{background:#1e3a8a;color:#fff}
@media(max-width:768px){.city-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.city-grid{grid-template-columns:1fr 1fr}}

/* #3 — Blog Section */
.blog-section{padding:80px 0;background:#fff}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{background:#fff;border:1.5px solid #e5e7eb;border-radius:16px;overflow:hidden;transition:all .3s;text-decoration:none;color:inherit;display:flex;flex-direction:column}
.blog-card:hover{box-shadow:0 8px 32px rgba(30,58,138,.1);transform:translateY(-3px);border-color:#dbeafe}
.bc-thumb{height:170px;display:flex;align-items:center;justify-content:center;font-size:42px;position:relative;overflow:hidden}
.bc-thumb.t1{background:linear-gradient(135deg,#eff4ff,#dbeafe)}
.bc-thumb.t2{background:linear-gradient(135deg,#fff7ed,#fed7aa)}
.bc-thumb.t3{background:linear-gradient(135deg,#f0fdf4,#bbf7d0)}
.bc-badge{position:absolute;top:12px;left:12px;background:#1e3a8a;color:#fff;font-size:10.5px;font-weight:700;border-radius:50px;padding:3px 10px}
.bc-body{padding:20px;flex:1;display:flex;flex-direction:column}
.bc-cat{font-size:11px;font-weight:700;color:var(--wm-orange);letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px}
.bc-title{font-size:15px;font-weight:700;color:#1a1a2e;line-height:1.45;margin-bottom:10px}
.bc-desc{font-size:13px;color:var(--wm-muted);line-height:1.7;flex:1}
.bc-link{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:#1e3a8a;margin-top:14px}
.bc-link i{font-size:11px;transition:transform .2s}
.blog-card:hover .bc-link i{transform:translateX(3px)}
@media(max-width:768px){.blog-grid{grid-template-columns:1fr}}

/* #4 — E-E-A-T / Founder Trust Section */
.eeat-section{padding:80px 0;background:linear-gradient(135deg,#0b1d51 0%,#1e3a8a 100%);position:relative;overflow:hidden}
.eeat-section::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.04) 1px,transparent 1px);background-size:28px 28px}
.eeat-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:2}
.eeat-left{}
.eeat-eyebrow{display:inline-block;font-size:11px;font-weight:700;color:#fbbf24;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
.eeat-h2{font-family:'Plus Jakarta Sans',sans-serif;font-size:clamp(26px,3vw,38px);font-weight:800;color:#fff;line-height:1.2;margin-bottom:20px}
.eeat-desc{font-size:15px;color:rgba(255,255,255,.7);line-height:1.8;margin-bottom:28px}
.eeat-creds{display:flex;flex-direction:column;gap:14px}
.eeat-cred{display:flex;align-items:flex-start;gap:14px}
.eeat-cred-icon{width:42px;height:42px;border-radius:12px;background:rgba(251,191,36,.15);border:1px solid rgba(251,191,36,.25);display:flex;align-items:center;justify-content:center;font-size:16px;color:#fbbf24;flex-shrink:0}
.eeat-cred-text .ec-title{font-size:14px;font-weight:700;color:#fff;margin-bottom:3px}
.eeat-cred-text .ec-sub{font-size:13px;color:rgba(255,255,255,.55);line-height:1.55}
.eeat-right{display:flex;flex-direction:column;gap:16px}
.eeat-stat-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:22px 24px;display:flex;align-items:center;gap:18px;transition:all .3s}
.eeat-stat-card:hover{background:rgba(255,255,255,.1);border-color:rgba(251,191,36,.3)}
.eeat-stat-num{font-family:'Plus Jakarta Sans',sans-serif;font-size:32px;font-weight:800;color:#fbbf24;line-height:1;white-space:nowrap}
.eeat-stat-desc .est-label{font-size:14px;font-weight:700;color:#fff}
.eeat-stat-desc .est-sub{font-size:12.5px;color:rgba(255,255,255,.5);margin-top:2px}
.eeat-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(251,191,36,.1);border:1px solid rgba(251,191,36,.25);border-radius:50px;padding:8px 18px;margin-top:24px}
.eeat-badge i{color:#fbbf24;font-size:13px}
.eeat-badge span{font-size:12.5px;color:rgba(255,255,255,.8);font-weight:500}
@media(max-width:768px){.eeat-inner{grid-template-columns:1fr}.eeat-right{margin-top:0}}

/* #5 — Google Maps */
.map-embed-wrap{margin-top:28px;border-radius:16px;overflow:hidden;border:2px solid #dbeafe;box-shadow:0 4px 20px rgba(30,58,138,.08)}
.map-embed-wrap iframe{display:block;width:100%;height:260px;border:0}
.map-caption{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--wm-muted);margin-top:8px}
.map-caption a{color:#1e3a8a;font-weight:600}

/* #6 — Urgency strip */
.urgency-strip{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#fff7ed,#fed7aa);border:1px solid #f97316;border-radius:50px;padding:6px 16px;margin-top:14px;font-size:12.5px;font-weight:600;color:#9a3412}
.urgency-strip .us-dot{width:7px;height:7px;border-radius:50%;background:#ef4444;animation:usPulse 1.5s infinite}
@keyframes usPulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(.8)}}

/* #7 — Sticky Mobile CTA Bar */
.mob-sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#fff;border-top:2px solid #dbeafe;box-shadow:0 -4px 20px rgba(30,58,138,.12);padding:10px 12px;gap:8px}
@media(max-width:768px){.mob-sticky-bar{display:flex}}
.msb-btn{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;border-radius:10px;padding:9px 6px;font-size:11px;font-weight:700;text-decoration:none;border:none;cursor:pointer;transition:all .2s;font-family:'Plus Jakarta Sans',sans-serif}
.msb-btn i{font-size:17px}
.msb-wa{background:#dcfce7;color:#166534}
.msb-wa:hover{background:#bbf7d0}
.msb-call{background:#eff4ff;color:#1e3a8a}
.msb-call:hover{background:#dbeafe}
.msb-cta{background:linear-gradient(135deg,#ff9800,#f57c00);color:#fff}
.msb-cta:hover{box-shadow:0 4px 14px rgba(255,152,0,.3)}
@media(max-width:768px){body{padding-bottom:74px}}

/* #8 — 2-Step Form */
.lf-step-indicator{display:flex;align-items:center;margin-bottom:22px;gap:0}
.lsi-step{display:flex;align-items:center;gap:8px;flex:1}
.lsi-num{width:28px;height:28px;border-radius:50%;background:#e5e7eb;color:#6b7280;display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:700;transition:all .3s;flex-shrink:0}
.lsi-step.active .lsi-num{background:#1e3a8a;color:#fff}
.lsi-step.done .lsi-num{background:#16a34a;color:#fff}
.lsi-label{font-size:12.5px;font-weight:600;color:#6b7280}
.lsi-step.active .lsi-label{color:#1e3a8a}
.lsi-step.done .lsi-label{color:#16a34a}
.lsi-line{flex:1;height:2px;background:#e5e7eb;margin:0 8px}
.lsi-line.done{background:#16a34a}
.form-step-panel{transition:opacity .25s ease,transform .25s ease}
.form-step-panel.hidden{display:none}
.step-nav-btns{display:flex;gap:10px;margin-top:4px}
.btn-back-step{background:#f8f9fb;color:#6b7280;border:1.5px solid #e5e7eb;border-radius:50px;padding:11px 22px;font-size:13.5px;font-weight:600;cursor:pointer;font-family:'Plus Jakarta Sans',sans-serif;transition:all .2s}
.btn-back-step:hover{background:#e5e7eb;color:#1a1a2e}

/* Testimonial outcome badges */
.tc-outcome{display:inline-flex;align-items:center;gap:6px;background:#f0fdf4;border:1px solid #bbf7d0;border-radius:50px;padding:4px 12px;font-size:11.5px;font-weight:700;color:#166534;margin-bottom:12px}
.tc-outcome i{font-size:11px}

/* Schema pages grid */
.schema-pages{padding:60px 0;background:#f8f9fb;border-top:1px solid #e5e7eb}
.sp-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:24px}
.sp-card{background:#fff;border:1.5px solid #dbeafe;border-radius:12px;padding:16px;text-align:center;transition:all .25s;text-decoration:none;color:inherit}
.sp-card:hover{border-color:#1e3a8a;background:#eff4ff;transform:translateY(-2px);box-shadow:0 4px 16px rgba(30,58,138,.1)}
.sp-card i{font-size:22px;color:#1e3a8a;margin-bottom:10px;display:block}
.sp-card .spc-name{font-size:12.5px;font-weight:700;color:#1e3a8a;line-height:1.4}
.sp-card .spc-kw{font-size:11px;color:#6b7280;margin-top:3px}
@media(max-width:768px){.sp-grid{grid-template-columns:repeat(2,1fr)}}


/* ---- Former inline style block 2 ---- */

#divaToggle{position:fixed;bottom:20px;right:20px;z-index:99999;display:flex;align-items:center;gap:10px;background:#fff;border-radius:40px;padding:8px 16px 8px 8px;box-shadow:0 4px 20px rgba(30,58,138,.25);border:2px solid #dbeafe;cursor:pointer;transition:all .3s ease;user-select:none}
#divaToggle:hover{transform:translateY(-3px)}
#divaToggle .dv-avatar{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,#1e3a8a,#3b82f6);display:flex;align-items:center;justify-content:center;flex-shrink:0}
#divaToggle .dv-avatar svg{width:26px;height:26px;fill:white}
#divaToggle .dv-label{font-size:15px;font-weight:600;color:#1a1a2e;line-height:1.2}
#divaToggle .dv-label small{display:block;font-size:11px;font-weight:400;color:#6b7280}
#divaToggle .dv-pulse{position:absolute;top:6px;right:12px;width:9px;height:9px;border-radius:50%;background:#22c55e;animation:dvPulse 2s infinite}
@keyframes dvPulse{0%{box-shadow:0 0 0 0 rgba(34,197,94,.5)}70%{box-shadow:0 0 0 8px rgba(34,197,94,0)}100%{box-shadow:0 0 0 0 rgba(34,197,94,0)}}
#divaPanel{position:fixed;bottom:88px;right:20px;z-index:99998;width:390px;height:600px;background:#fff;border-radius:14px;box-shadow:0 8px 32px rgba(30,58,138,.13);display:flex;flex-direction:column;border:1px solid rgba(30,58,138,.1);transform:scale(.9) translateY(20px);transform-origin:bottom right;opacity:0;pointer-events:none;transition:all .3s cubic-bezier(.34,1.56,.64,1);overflow:hidden}
#divaPanel.dv-open{transform:scale(1) translateY(0);opacity:1;pointer-events:all}
.dv-head{background:linear-gradient(135deg,#1e3a8a,#1e4db7);padding:14px 16px;display:flex;align-items:center;gap:12px;flex-shrink:0}
.dv-hav{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;border:2px solid rgba(255,255,255,.4);flex-shrink:0}
.dv-hav svg{width:22px;height:22px;fill:white}
.dv-hinfo{flex:1}
.dv-hname{font-size:15px;font-weight:700;color:white;line-height:1.2}
.dv-hstatus{font-size:11px;color:rgba(255,255,255,.75);display:flex;align-items:center;gap:5px}
.dv-hstatus::before{content:'';display:inline-block;width:7px;height:7px;background:#4ade80;border-radius:50%}
.dv-hacts{display:flex;gap:6px}
.dv-hbtn{width:32px;height:32px;border-radius:8px;background:rgba(255,255,255,.15);border:none;color:white;cursor:pointer;font-size:13px;transition:background .2s}
.dv-hbtn:hover{background:rgba(255,255,255,.3)}
.dv-body{flex:1;overflow-y:auto;padding:14px 14px 8px;background:linear-gradient(180deg,#f8f9fb,#fff)}
.dv-body::-webkit-scrollbar{width:4px}.dv-body::-webkit-scrollbar-thumb{background:#e5e7eb;border-radius:99px}
.dv-msg{display:flex;margin-bottom:10px;animation:dvFade .3s ease}
@keyframes dvFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.dv-msg.user{justify-content:flex-end}
.dv-bub{max-width:84%;padding:10px 13px;border-radius:12px;font-size:13.5px;line-height:1.55;word-wrap:break-word;white-space:pre-wrap;font-family:'Plus Jakarta Sans',sans-serif}
.dv-msg.user .dv-bub{background:linear-gradient(135deg,#1e3a8a,#1e4db7);color:white;border-bottom-right-radius:4px}
.dv-msg.bot .dv-bub{background:#fff;color:#1a1a2e;border:1px solid #e5e7eb;border-bottom-left-radius:4px;box-shadow:0 2px 8px rgba(0,0,0,.06)}
.dv-av{width:28px;height:28px;border-radius:50%;background:linear-gradient(135deg,#1e3a8a,#3b82f6);display:flex;align-items:center;justify-content:center;margin-right:8px;flex-shrink:0;align-self:flex-end}
.dv-av svg{width:14px;height:14px;fill:white}
.dv-typing{display:flex;align-items:center;gap:5px;padding:11px 14px}
.dv-dot{width:7px;height:7px;border-radius:50%;background:#1e3a8a;opacity:.4;animation:dvDot 1.2s infinite ease-in-out}
.dv-dot:nth-child(2){animation-delay:.2s}.dv-dot:nth-child(3){animation-delay:.4s}
@keyframes dvDot{0%,80%,100%{transform:scale(.8);opacity:.4}40%{transform:scale(1.2);opacity:1}}
.dv-chips{display:flex;flex-wrap:wrap;gap:7px;margin:6px 0 10px 36px}
.dv-chip{padding:7px 13px;border-radius:99px;border:1.5px solid #e5e7eb;background:#fff;font-size:12.5px;font-family:'Plus Jakarta Sans',sans-serif;color:#1a1a2e;cursor:pointer;transition:all .2s;font-weight:500}
.dv-chip:hover{border-color:#1e3a8a;background:#eff4ff;color:#1e3a8a}
.dv-inp-wrap{display:flex;gap:8px;margin:6px 0 10px 36px}
.dv-inp{flex:1;padding:9px 12px;border-radius:10px;border:1.5px solid #e5e7eb;font-size:13px;font-family:'Plus Jakarta Sans',sans-serif;outline:none}
.dv-inp:focus{border-color:#1e3a8a}
.dv-inp-btn{padding:9px 14px;background:#1e3a8a;color:white;border:none;border-radius:10px;cursor:pointer;font-size:13px;font-weight:600}
.dv-loader{display:flex;align-items:center;gap:10px;margin:4px 0 10px 36px}
.dv-spin{width:18px;height:18px;border-radius:50%;border:2.5px solid #e5e7eb;border-top-color:#1e3a8a;animation:dvSpin .7s linear infinite;flex-shrink:0}
@keyframes dvSpin{to{transform:rotate(360deg)}}
.dv-foot{padding:10px 12px;border-top:1px solid #e5e7eb;background:#fff;display:flex;gap:8px;flex-shrink:0}
.dv-foot input{flex:1;padding:10px 13px;border-radius:10px;border:1.5px solid #e5e7eb;font-size:13.5px;font-family:'Plus Jakarta Sans',sans-serif;outline:none;color:#1a1a2e}
.dv-foot input:focus{border-color:#1e3a8a}
.dv-foot input::placeholder{color:#9ca3af}
.dv-send{width:42px;height:42px;border-radius:10px;background:#1e3a8a;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.dv-send svg{width:18px;height:18px;fill:white}
.dv-summary{background:#eff4ff;border:1.5px solid #dbeafe;border-radius:12px;padding:14px;margin:4px 0 10px 36px}
.dv-srow{display:flex;justify-content:space-between;padding:5px 0;border-bottom:1px solid rgba(30,58,138,.08);font-size:12.5px}
.dv-srow:last-child{border-bottom:none}
.dv-srow .sl{color:#6b7280}.dv-srow .sv{font-weight:600;color:#1e3a8a}
.dv-consent{background:#f0fdf4;border:1.5px solid #86efac;border-radius:12px;padding:12px 14px;margin:4px 0 10px 36px}
.dv-cbtns{display:flex;gap:8px;margin-top:8px}
.dv-cyes{background:#16a34a;color:white;border:none;border-radius:8px;padding:8px 16px;font-size:12px;font-weight:700;cursor:pointer;flex:1}
.dv-cno{background:white;color:#6b7280;border:1.5px solid #e5e7eb;border-radius:8px;padding:8px 16px;font-size:12px;cursor:pointer;flex:1}
.dv-cta{background:linear-gradient(135deg,#1e3a8a,#1e4db7);padding:12px 16px;margin:4px 0 10px 36px;border-radius:12px}
.dv-cta-text{font-size:12px;color:rgba(255,255,255,.85);margin-bottom:8px;line-height:1.5}
.dv-cta-btn{background:#ff9800;color:white;border:none;border-radius:8px;padding:8px 16px;font-size:12px;font-weight:700;cursor:pointer;width:100%}
.dv-results{margin:4px 0 10px}
.dv-rh{font-size:13px;font-weight:600;color:#1e3a8a;margin:0 0 10px 36px}
.dv-lcard{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:14px;margin-bottom:8px;box-shadow:0 2px 12px rgba(0,0,0,.06);position:relative;overflow:hidden}
.dv-lcard::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,#1e3a8a,#3b82f6)}
.dv-lcard.top{border-left:4px solid #ff9800;background:linear-gradient(135deg,#fffbf0,#fff)}
.dv-rank{position:absolute;top:10px;right:12px;font-size:10px;font-weight:700;color:#6b7280;background:#f8f9fb;border:1px solid #e5e7eb;border-radius:99px;padding:2px 8px}
.dv-rank.top{background:linear-gradient(135deg,#1e3a8a,#3b82f6);color:white;padding:3px 10px;font-size:10.5px;display:inline-block;margin-bottom:6px}
.dv-lname{font-size:14px;font-weight:700;color:#1a1a2e;margin-bottom:8px;padding-left:6px}
.dv-lgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;padding-left:6px;margin-bottom:8px}
.dv-lstat{background:#f8f9fb;border-radius:8px;padding:6px 8px}
.dv-lstat .sl{font-size:10px;color:#6b7280;text-transform:uppercase;letter-spacing:.4px}
.dv-lstat .sv{font-size:13px;font-weight:700;color:#1e3a8a;margin-top:1px}
.dv-lstat .sv.or{color:#ff9800}
.dv-lwhy{font-size:11.5px;color:#374151;padding:7px 9px;background:#eff4ff;border-radius:7px;border-left:3px solid #93c5fd;margin-left:6px}
.dv-lai{font-size:12.5px;color:#1e3a8a;padding:8px 10px;background:#eff4ff;border-radius:8px;border-left:3px solid #1e3a8a;margin-left:6px;margin-bottom:6px;line-height:1.55}
.dv-lnote{font-size:11px;color:#6b7280;margin-top:6px;padding-left:6px;font-style:italic}
.dv-lcontact{font-size:11.5px;color:#047857;margin-top:7px;padding:5px 8px;background:#ecfdf5;border-radius:6px;border-left:3px solid #10b981}
.dv-spills{display:flex;flex-wrap:wrap;gap:5px;margin:7px 0 4px 6px}
.dv-spill{font-size:10px;border-radius:99px;padding:2px 8px;font-weight:500}
.dv-spill.pos{background:#dcfce7;color:#166534}
.dv-spill.neg{background:#fee2e2;color:#991b1b}
@media(max-width:480px){#divaPanel{width:calc(100vw - 24px);right:12px;height:78vh;bottom:82px}#divaToggle{right:12px;bottom:80px}}


/* =========================================================
   Generated utility classes from former inline style attributes
   ========================================================= */

.u-inline-001 {
  width:50px;
  height:50px;
  border-radius:50%;
  background:var(--wm-blue-soft);
  color:var(--wm-blue);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:22px;
  margin-bottom:14px;
}

.u-inline-002 {
  display:none;
  color:#dc2626;
  font-size:11.5px;
  margin-top:-8px;
  margin-bottom:6px;
}

.u-inline-003 {
  display:flex;
  align-items:flex-start;
  gap:9px;
  font-size:12.5px;
  color:var(--wm-text-soft);
  margin:8px 0 12px;
  cursor:pointer;
  line-height:1.55;
}

.u-inline-004 {
  width:16px;
  height:16px;
  accent-color:var(--wm-blue);
  flex-shrink:0;
  margin-top:2px;
  cursor:pointer;
}

.u-inline-005 {
  display:none;
  color:#dc2626;
  font-size:11.5px;
  margin-top:-8px;
  margin-bottom:8px;
}

.u-inline-006 {
  width:100%;
  justify-content:center;
}

.u-inline-007 {
  font-size:11.5px;
  color:var(--wm-muted);
  text-align:center;
  margin-top:12px;
}

.u-inline-008 {
  height:68px;
  width:auto;
  display:block;
  max-height:68px;
}

.u-inline-009 {
  margin-top:24px;
}

.u-inline-010 {
  transition-delay:.2s;
}

.u-inline-011 {
  margin-bottom:28px;
}

.u-inline-012 {
  font-size:clamp(24px,3vw,36px);
}

.u-inline-013 {
  margin-top:28px;
}

.u-inline-014 {
  font-size:12.5px;
  color:var(--wm-muted);
  font-weight:600;
  margin-right:4px;
}

.u-inline-015 {
  transition-delay:.18s;
}

.u-inline-016 {
  font-size:11px;
  color:var(--wm-text-soft);
  margin-top:4px;
}

.u-inline-017 {
  font-size:11px;
  color:var(--wm-muted);
  margin-top:8px;
}

.u-inline-018 {
  transition-delay:.15s;
}

.u-inline-019 {
  font-size:26px;
  font-weight:800;
  color:#fff;
  line-height:1;
}

.u-inline-020 {
  color:var(--wm-blue);
  margin-right:8px;
}

.u-inline-021 {
  font-size:26px;
  font-weight:800;
  color:var(--wm-blue);
}

.u-inline-022 {
  font-size:11px;
  color:var(--wm-muted);
  margin:8px 0 0;
  text-align:center;
}

.u-inline-023 {
  width:100%;
  justify-content:center;
  margin-top:16px;
}

.u-inline-024 {
  color:var(--wm-orange);
  margin-right:8px;
}

.u-inline-025 {
  color:#1e3a8a;
  font-weight:600;
}

.u-inline-026 {
  color:#dc2626;
}

.u-inline-027 {
  display:none;
  color:#dc2626;
  font-size:11.5px;
  margin-top:4px;
}

.u-inline-028 {
  width:100%;
  justify-content:center;
  margin-top:4px;
  font-size:15px;
  padding:14px;
}

.u-inline-029 {
  display:flex;
  align-items:flex-start;
  gap:9px;
  font-size:12.5px;
  color:var(--wm-text-soft);
  margin-bottom:14px;
  cursor:pointer;
  line-height:1.55;
}

.u-inline-030 {
  color:var(--wm-blue);
}

.u-inline-031 {
  display:none;
  color:#dc2626;
  font-size:11.5px;
  margin-top:-10px;
  margin-bottom:10px;
}

.u-inline-032 {
  flex:1;
  justify-content:center;
  font-size:15px;
  padding:14px;
}

.u-inline-033 {
  display:none;
  text-align:center;
  padding:20px 0;
}

.u-inline-034 {
  font-size:40px;
  margin-bottom:10px;
}

.u-inline-035 {
  font-size:16px;
  font-weight:700;
  color:var(--wm-blue);
  margin-bottom:6px;
}

.u-inline-036 {
  font-size:13.5px;
  color:var(--wm-text-soft);
}

.u-inline-037 {
  display:flex;
  gap:10px;
  margin-top:16px;
  flex-wrap:wrap;
}

.u-inline-038 {
  font-size:48px;
}

.u-inline-039 {
  text-align:center;
  margin-top:36px;
}

.u-inline-040 {
  width:100%;
  justify-content:center;
  margin-top:8px;
}

.u-inline-041 {
  height:72px;
  width:auto;
  margin-bottom:0;
}

.u-inline-042 {
  font-size:9px;
}

.u-inline-043 {
  background:rgba(255,255,255,.14);
  color:#fff;
}

/* =========================================================
   JS-rendered widget classes replacing inline styles
   ========================================================= */
.dv-summary-title {
  font-size: 12px;
  font-weight: 700;
  color: #1e3a8a;
  margin-bottom: 10px;
}
.dv-consent-text {
  font-size: 13px;
  color: #166534;
  line-height: 1.5;
}
.dv-rh-muted {
  color: #6b7280;
  font-size: 12px;
  margin-top: 12px;
}
.dv-bub-note {
  font-size: 12px;
  color: #6b7280;
  background: #fafafa;
  border-color: #f3f4f6;
}
/*
 * WealthMetre — additions.css
 * All growth/feature styles consolidated from inline <style> blocks.
 * Import AFTER css/style.css in <head>:
 *   <link rel="stylesheet" href="css/additions.css" />
 *
 * DO NOT add <style> blocks to index.html — add here instead.
 */

/* ═══════════════════════════════════════════════════════
   #1 — LOCAL SEO CITIES SECTION
═══════════════════════════════════════════════════════ */
.local-seo {
  padding: 52px 0;
  background: #f0f4ff;
  border-top: 1px solid #dbeafe;
  border-bottom: 1px solid #dbeafe;
}

.local-seo .sec-head { margin-bottom: 32px; }

.city-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 24px;
}

.city-pill {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1.5px solid #dbeafe;
  border-radius: 12px;
  padding: 14px 18px;
  transition: all .25s;
  text-decoration: none;
  color: inherit;
}

.city-pill:hover {
  border-color: var(--wm-blue);
  background: #eff4ff;
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(30, 58, 138, .1);
}

.city-pill i { font-size: 15px; color: var(--wm-blue); }
.city-pill .cp-name { font-size: 14px; font-weight: 600; color: #1e3a8a; }
.city-pill .cp-sub { font-size: 11.5px; color: var(--wm-muted); margin-top: 2px; }

.local-seo-note {
  text-align: center;
  font-size: 13px;
  color: var(--wm-muted);
  margin-top: 20px;
}

.seo-pages-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-top: 24px;
}

.seo-page-link {
  font-size: 12.5px;
  font-weight: 600;
  color: #1e3a8a;
  border: 1px solid #dbeafe;
  border-radius: 50px;
  padding: 6px 14px;
  transition: all .2s;
  text-decoration: none;
}

.seo-page-link:hover { background: #1e3a8a; color: #fff; }

@media (max-width: 768px) { .city-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .city-grid { grid-template-columns: 1fr 1fr; } }


/* ═══════════════════════════════════════════════════════
   #2 — HERO TYPING TITLE
═══════════════════════════════════════════════════════ */
.typing-hero-title {
  min-height: 132px;
  line-height: 1.02;
  font-size: clamp(28px, 4vw, 50px);
  font-weight: 800;
  letter-spacing: -1px;
  margin: 0 0 12px 0;
}

.rotating-line { color: #1f2937; }
.rotating-word { color: #f59e0b; }

.blink-cursor {
  display: inline-block;
  width: 3px;
  height: 0.9em;
  background: #f59e0b;
  border-radius: 2px;
  margin-left: 4px;
  vertical-align: middle;
  animation: cursorBlink 1s infinite;
}

@keyframes cursorBlink {
  0%, 45% { opacity: 1; }
  50%, 100% { opacity: 0; }
}

@media (max-width: 768px) {
  .typing-hero-title {
    min-height: 96px;
    font-size: clamp(24px, 6vw, 40px);
    line-height: 1.04;
    margin: 0 0 10px 0;
  }
  .blink-cursor { width: 2px; margin-left: 3px; }
}


/* ═══════════════════════════════════════════════════════
   #3 — BLOG SECTION
═══════════════════════════════════════════════════════ */
.blog-section {
  padding: 80px 0;
  background: #fff;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.blog-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 16px;
  overflow: hidden;
  transition: all .3s;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  box-shadow: 0 8px 32px rgba(30, 58, 138, .1);
  transform: translateY(-3px);
  border-color: #dbeafe;
}

.bc-thumb {
  height: 170px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 42px;
  position: relative;
  overflow: hidden;
}

.bc-thumb.t1 { background: linear-gradient(135deg, #eff4ff, #dbeafe); }
.bc-thumb.t2 { background: linear-gradient(135deg, #fff7ed, #fed7aa); }
.bc-thumb.t3 { background: linear-gradient(135deg, #f0fdf4, #bbf7d0); }

.bc-badge {
  position: absolute;
  top: 12px; left: 12px;
  background: #1e3a8a;
  color: #fff;
  font-size: 10.5px;
  font-weight: 700;
  border-radius: 50px;
  padding: 3px 10px;
}

.bc-body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.bc-cat {
  font-size: 11px;
  font-weight: 700;
  color: var(--wm-orange);
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.bc-title {
  font-size: 15px;
  font-weight: 700;
  color: #1a1a2e;
  line-height: 1.45;
  margin-bottom: 10px;
}

.bc-desc { font-size: 13px; color: var(--wm-muted); line-height: 1.7; flex: 1; }

.bc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 700;
  color: #1e3a8a;
  margin-top: 14px;
}

.bc-link i { font-size: 11px; transition: transform .2s; }
.blog-card:hover .bc-link i { transform: translateX(3px); }

@media (max-width: 768px) { .blog-grid { grid-template-columns: 1fr; } }


/* ═══════════════════════════════════════════════════════
   #4 — E-E-A-T / FOUNDER TRUST SECTION
═══════════════════════════════════════════════════════ */
.eeat-section {
  padding: 80px 0;
  background: linear-gradient(135deg, #0b1d51 0%, #1e3a8a 100%);
  position: relative;
  overflow: hidden;
}

.eeat-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 28px 28px;
}

.eeat-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.eeat-eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  color: #fbbf24;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.eeat-h2 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 20px;
}

.eeat-desc {
  font-size: 15px;
  color: rgba(255,255,255,.7);
  line-height: 1.8;
  margin-bottom: 28px;
}

.eeat-creds { display: flex; flex-direction: column; gap: 14px; }

.eeat-cred { display: flex; align-items: flex-start; gap: 14px; }

.eeat-cred-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  background: rgba(251,191,36,.15);
  border: 1px solid rgba(251,191,36,.25);
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; color: #fbbf24; flex-shrink: 0;
}

.eeat-cred-text .ec-title { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 3px; }
.eeat-cred-text .ec-sub  { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.55; }

.eeat-right { display: flex; flex-direction: column; gap: 16px; }

.eeat-stat-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 16px;
  padding: 22px 24px;
  display: flex; align-items: center; gap: 18px;
  transition: all .3s;
}

.eeat-stat-card:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(251,191,36,.3);
}

.eeat-stat-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 32px; font-weight: 800;
  color: #fbbf24; line-height: 1; white-space: nowrap;
}

.eeat-stat-desc .est-label { font-size: 14px; font-weight: 700; color: #fff; }
.eeat-stat-desc .est-sub   { font-size: 12.5px; color: rgba(255,255,255,.5); margin-top: 2px; }

.eeat-badge {
  display: inline-flex;
  align-items: center; gap: 8px;
  background: rgba(251,191,36,.1);
  border: 1px solid rgba(251,191,36,.25);
  border-radius: 50px; padding: 8px 18px; margin-top: 24px;
}

.eeat-badge i   { color: #fbbf24; font-size: 13px; }
.eeat-badge span { font-size: 12.5px; color: rgba(255,255,255,.8); font-weight: 500; }

@media (max-width: 768px) {
  .eeat-inner { grid-template-columns: 1fr; }
  .eeat-right { margin-top: 0; }
}


/* ═══════════════════════════════════════════════════════
   #5 — GOOGLE MAPS EMBED
═══════════════════════════════════════════════════════ */
.map-embed-wrap {
  margin-top: 28px;
  border-radius: 16px;
  overflow: hidden;
  border: 2px solid #dbeafe;
  box-shadow: 0 4px 20px rgba(30,58,138,.08);
}

.map-embed-wrap iframe {
  display: block; width: 100%; height: 260px; border: 0;
}

.map-caption {
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px; color: var(--wm-muted); margin-top: 8px;
}

.map-caption a { color: #1e3a8a; font-weight: 600; }


/* ═══════════════════════════════════════════════════════
   #6 — URGENCY STRIP
═══════════════════════════════════════════════════════ */
.urgency-strip {
  display: inline-flex;
  align-items: center; gap: 8px;
  background: linear-gradient(135deg, #fff7ed, #fed7aa);
  border: 1px solid #f97316;
  border-radius: 50px;
  padding: 6px 16px; margin-top: 14px;
  font-size: 12.5px; font-weight: 600; color: #9a3412;
}

.urgency-strip .us-dot {
  width: 7px; height: 7px;
  border-radius: 50%; background: #ef4444;
  animation: usPulse 1.5s infinite;
}

@keyframes usPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .6; transform: scale(.8); }
}


/* ═══════════════════════════════════════════════════════
   #7 — STICKY MOBILE CTA BAR
   Note: Positioned above Diva toggle (bottom: 74px on mobile)
         to prevent overlap.
═══════════════════════════════════════════════════════ */
.mob-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 8888;
  background: #fff;
  border-top: 2px solid #dbeafe;
  box-shadow: 0 -4px 20px rgba(30,58,138,.12);
  padding: 10px 12px; gap: 8px;
}

@media (max-width: 768px) {
  .mob-sticky-bar { display: flex; }
  body { padding-bottom: 74px; }

  /* FIX: Diva toggle lifted above mobile sticky bar */
  #divaToggle { bottom: 84px !important; }
  #divaPanel  { bottom: 144px !important; }
}

.msb-btn {
  flex: 1;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 3px;
  border-radius: 10px; padding: 9px 6px;
  font-size: 11px; font-weight: 700;
  text-decoration: none; border: none; cursor: pointer;
  transition: all .2s;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.msb-btn i { font-size: 17px; }
.msb-wa   { background: #dcfce7; color: #166534; }
.msb-wa:hover { background: #bbf7d0; }
.msb-call { background: #eff4ff; color: #1e3a8a; }
.msb-call:hover { background: #dbeafe; }
.msb-cta  { background: linear-gradient(135deg, #ff9800, #f57c00); color: #fff; }
.msb-cta:hover { box-shadow: 0 4px 14px rgba(255,152,0,.3); }


/* ═══════════════════════════════════════════════════════
   #8 — 2-STEP LEAD FORM
═══════════════════════════════════════════════════════ */
.lf-step-indicator {
  display: flex; align-items: center;
  margin-bottom: 22px; gap: 0;
}

.lsi-step { display: flex; align-items: center; gap: 8px; flex: 1; }

.lsi-num {
  width: 28px; height: 28px; border-radius: 50%;
  background: #e5e7eb; color: #6b7280;
  display: flex; align-items: center; justify-content: center;
  font-size: 12.5px; font-weight: 700; transition: all .3s; flex-shrink: 0;
}

.lsi-step.active .lsi-num { background: #1e3a8a; color: #fff; }
.lsi-step.done   .lsi-num { background: #16a34a; color: #fff; }

.lsi-label { font-size: 12.5px; font-weight: 600; color: #6b7280; }
.lsi-step.active .lsi-label { color: #1e3a8a; }
.lsi-step.done   .lsi-label { color: #16a34a; }

.lsi-line { flex: 1; height: 2px; background: #e5e7eb; margin: 0 8px; }
.lsi-line.done { background: #16a34a; }

.form-step-panel { transition: opacity .25s ease, transform .25s ease; }
.form-step-panel.hidden { display: none; }

.step-nav-btns { display: flex; gap: 10px; margin-top: 4px; }

.btn-back-step {
  background: #f8f9fb; color: #6b7280;
  border: 1.5px solid #e5e7eb; border-radius: 50px;
  padding: 11px 22px; font-size: 13.5px; font-weight: 600;
  cursor: pointer; font-family: 'Plus Jakarta Sans', sans-serif; transition: all .2s;
}
.btn-back-step:hover { background: #e5e7eb; color: #1a1a2e; }


/* ═══════════════════════════════════════════════════════
   #9 — TESTIMONIAL OUTCOME BADGE
═══════════════════════════════════════════════════════ */
.tc-outcome {
  display: inline-flex; align-items: center; gap: 6px;
  background: #f0fdf4; border: 1px solid #bbf7d0;
  border-radius: 50px; padding: 4px 12px;
  font-size: 11.5px; font-weight: 700; color: #166534; margin-bottom: 12px;
}
.tc-outcome i { font-size: 11px; }


/* ═══════════════════════════════════════════════════════
   #10 — SCHEMA / SEO PAGES GRID
═══════════════════════════════════════════════════════ */
.schema-pages {
  padding: 60px 0;
  background: #f8f9fb;
  border-top: 1px solid #e5e7eb;
}

.sp-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px; margin-top: 24px;
}

.sp-card {
  background: #fff; border: 1.5px solid #dbeafe;
  border-radius: 12px; padding: 16px; text-align: center;
  transition: all .25s; text-decoration: none; color: inherit;
}

.sp-card:hover {
  border-color: #1e3a8a; background: #eff4ff;
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(30,58,138,.1);
}

.sp-card i { font-size: 22px; color: #1e3a8a; margin-bottom: 10px; display: block; }
.sp-card .spc-name { font-size: 12.5px; font-weight: 700; color: #1e3a8a; line-height: 1.4; }
.sp-card .spc-kw   { font-size: 11px; color: #6b7280; margin-top: 3px; }

@media (max-width: 768px) { .sp-grid { grid-template-columns: repeat(2, 1fr); } }


/* ═══════════════════════════════════════════════════════
   #11 — CRITICAL BEHAVIOUR FIXES
═══════════════════════════════════════════════════════ */

/* FAQ guaranteed open/close */
.faq-q {
  cursor: pointer; width: 100%; text-align: left;
  background: none; border: none;
  font-family: inherit; -webkit-tap-highlight-color: transparent;
}
.faq-a { display: none; }
.faq-item.open .faq-a { display: block; }

/* Diva trigger cursor */
.open-diva-trigger { cursor: pointer; }

/* Mobile nav */
#hNav.open {
  display: flex !important;
  flex-direction: column;
  position: absolute; top: 70px; left: 0; right: 0;
  background: #fff; z-index: 999; padding: 16px;
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
}


/* ═══════════════════════════════════════════════════════
   #12 — LENDER LOGO GRID (replace Google favicon API)
   Logos served from /images/lenders/ with fallback initials
═══════════════════════════════════════════════════════ */
.lcard-logo {
  width: 44px; height: 44px;
  border-radius: 10px; overflow: hidden;
  background: #f0f4ff;
  display: flex; align-items: center; justify-content: center;
}

.lcard-logo img {
  width: 100%; height: 100%;
  object-fit: contain; object-position: center;
}

/* Fallback initials when image fails */
.lcard-logo img.img-error {
  display: none;
}

.lcard-logo::after {
  content: attr(data-initials);
  font-size: 13px; font-weight: 800;
  color: #1e3a8a; display: none;
}

.lcard-logo img.img-error + .lcard-logo::after {
  display: flex;
}