:root {
  --navy: #1d3148;
  --navy2: #101827;
  --gold: #caa95f;
  --gold2: #e1c671;
  --gold3: rgba(202,169,95,.13);
  --cream: #f3f6f8;
  --warm: #f7f2e7;
  --white: #fff;
  --gray: #5f7084;
  --light: #f7fafc;
  --border: #d9e0e8;
  --text: #223449;
  --success: #15803d;
  --radius: 10px;
  --radius-lg: 12px;
  --shadow: 0 4px 24px rgba(29,49,72,.09);
  --shadow-lg: 0 16px 44px rgba(29,49,72,.14);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body { font-family: "Outfit", Arial, sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
button { cursor: pointer; }

.container, .topbar-inner, nav { max-width: 1260px; margin: 0 auto; padding: 0 32px; }

#topbar { background: var(--navy); padding: 8px 0; border-bottom: 1px solid rgba(200,167,93,.24); }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.topbar-left a, .topbar-note { color: rgba(255,255,255,.72); font-size: 13px; display: inline-flex; align-items: center; gap: 7px; }
.topbar-left i, .topbar-note i { color: var(--gold2); font-size: 12px; }

header { position: sticky; top: 0; z-index: 200; background: rgba(255,255,255,.97); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); box-shadow: 0 2px 20px rgba(33,54,77,.06); }
nav { height: 72px; display: flex; align-items: center; justify-content: space-between; }
.logo { display: flex; align-items: center; gap: 13px; color: inherit; }
.logo-mark { width: 46px; height: 46px; background: url("assets/holdicrenoltd-logo-mark.svg") center/cover no-repeat; border-radius: var(--radius); display: grid; place-items: center; color: var(--gold2); box-shadow: inset 0 0 0 1px rgba(255,255,255,.10); }
.logo-mark i { display: none; }
.logo-words strong { display: block; font-family: "Cormorant Garamond", serif; font-size: 22px; line-height: 1; color: var(--navy); }
.logo-words small { display: block; margin-top: 4px; color: var(--gold); font-size: 10px; font-weight: 700; letter-spacing: 2.2px; text-transform: uppercase; }
.nav-menu { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav-menu a { display: block; color: var(--text); font-size: 14px; font-weight: 600; padding: 8px 14px; border-radius: 8px; transition: all .2s; }
.nav-menu a:hover, .nav-menu a.active { color: #8c6d27; background: var(--gold3); }
.btn-nav { background: var(--navy) !important; color: var(--white) !important; padding: 10px 22px !important; border-radius: var(--radius) !important; font-weight: 800 !important; box-shadow: 0 3px 12px rgba(33,54,77,.2); }
.btn-nav:hover { background: var(--gold) !important; color: var(--navy) !important; transform: translateY(-1px); }
.nav-hamburger { display: none; flex-direction: column; justify-content: space-between; width: 30px; height: 20px; background: none; border: 0; z-index: 300; }
.nav-hamburger span { display: block; height: 2px; width: 100%; background: var(--navy); border-radius: 2px; transition: all .3s; }
.nav-hamburger.open span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }
.nav-overlay { display: none; position: fixed; inset: 0; background: rgba(15,23,42,.48); z-index: 199; backdrop-filter: blur(2px); }
.nav-overlay.open { display: block; }

.btn-primary, .btn-outline, .btn-dark { display: inline-flex; align-items: center; justify-content: center; gap: 9px; border-radius: var(--radius); font-size: 15px; font-weight: 800; transition: all .22s; border: 0; }
.btn-primary { background: var(--gold); color: var(--navy); padding: 14px 30px; box-shadow: 0 4px 16px rgba(200,167,93,.30); }
.btn-primary:hover { background: var(--navy2); color: #fff; transform: translateY(-2px); box-shadow: 0 8px 28px rgba(15,23,42,.24); }
.btn-outline { color: var(--navy); border: 1px solid rgba(33,54,77,.18); padding: 13px 26px; background: rgba(255,255,255,.78); }
.btn-outline:hover { border-color: var(--gold); color: #8c6d27; }
.btn-dark { background: var(--navy); color: var(--white); padding: 13px 24px; }
.btn-full { width: 100%; }

.section-tag { display: inline-flex; align-items: center; gap: 8px; color: #9a772f; font-size: 11px; font-weight: 800; letter-spacing: 3px; text-transform: uppercase; margin-bottom: 14px; }
.section-tag::before { content: ""; width: 22px; height: 2px; border-radius: 1px; background: var(--gold); }
.section-h { font-family: "Cormorant Garamond", serif; font-size: clamp(30px,4vw,48px); font-weight: 700; color: var(--navy); line-height: 1.13; margin-bottom: 16px; }
.section-h em, .page-hero h1 em, .hero-h em { color: #9b792f; font-style: normal; }
.section-p { color: var(--gray); font-size: 16.5px; line-height: 1.75; max-width: 650px; }
.text-center { text-align: center; }
.text-center .section-tag { justify-content: center; }
.text-center .section-p { margin: 0 auto; }
.hero-copy, .calc-card, .contact-layout > *, .form-card, .page-hero .container, .section-split > *, .loan-content { min-width: 0; }
.hero-h, .page-hero h1, .section-h, .calc-card h3, .form-card h2 { overflow-wrap: break-word; hyphens: none; }

#hero { position: relative; min-height: 640px; padding: 54px 0 56px; overflow: hidden; background: linear-gradient(135deg, var(--warm) 0%, #f9fbfd 50%, #ffffff 100%); }
.hero-grid-bg { position: absolute; inset: 0; opacity: .38; background-image: linear-gradient(rgba(33,54,77,.08) 1px, transparent 1px), linear-gradient(90deg, rgba(33,54,77,.08) 1px, transparent 1px); background-size: 60px 60px; }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .85fr; gap: 58px; align-items: start; }
.hero-inner, .hero-copy, .hero-side { width: 100%; max-width: 100%; min-width: 0; }
.hero-side { display: grid; gap: 18px; }
.hero-copy .hero-photo { margin-bottom: 28px; }
.hero-photo { position: relative; height: 250px; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,.72); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 42%, rgba(16,24,39,.64)); }
.hero-photo-caption { position: absolute; left: 20px; right: 20px; bottom: 18px; z-index: 1; display: grid; grid-template-columns: 44px 1fr; gap: 12px; align-items: center; color: #fff; }
.hero-photo-caption i { width: 44px; height: 44px; display: grid; place-items: center; border-radius: var(--radius); background: var(--gold); color: var(--navy); }
.hero-photo-caption div { min-width: 0; }
.hero-photo-caption strong { display: block; font-size: 15px; }
.hero-photo-caption span { display: block; color: rgba(255,255,255,.76); font-size: 13px; overflow-wrap: break-word; }
.hero-badge { display: inline-flex; align-items: center; flex-wrap: wrap; max-width: 100%; gap: 8px; color: #765c24; background: rgba(200,167,93,.12); border: 1px solid rgba(200,167,93,.28); font-size: 12px; font-weight: 800; letter-spacing: 1.3px; text-transform: uppercase; padding: 8px 16px; border-radius: 30px; margin-bottom: 22px; line-height: 1.4; }
.hero-h { font-family: "Cormorant Garamond", serif; font-size: clamp(42px,6vw,66px); color: var(--navy); line-height: 1.02; font-weight: 700; margin-bottom: 24px; }
.mobile-title-break { display: none; }
.hero-p { color: #5d6b7d; font-size: 18px; line-height: 1.7; max-width: 600px; margin-bottom: 32px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin-top: 42px; max-width: 610px; }
.stat { border-left: 1px solid rgba(200,167,93,.35); padding-left: 18px; }
.stat strong { display: block; color: var(--navy); font-size: 30px; line-height: 1; }
.stat span { display: block; margin-top: 5px; color: #71808d; font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; }

.calc-card { background: rgba(255,255,255,.92); border: 1px solid rgba(200,167,93,.22); border-radius: var(--radius-lg); padding: 28px; box-shadow: 0 18px 54px rgba(33,54,77,.12); backdrop-filter: blur(18px); }
.calc-card h3 { display: flex; align-items: center; gap: 10px; color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 28px; margin-bottom: 22px; }
.calc-card h3 i { color: #9a772f; font-size: 20px; }
.c-label { display: block; margin: 18px 0 8px; color: #71808d; font-size: 11px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; }
.calc-card input[type=range] { width: 100%; accent-color: var(--gold); }
.amount-row { display: flex; justify-content: flex-end; color: var(--navy); font-size: 20px; font-weight: 800; margin-top: 6px; }
.c-select { width: 100%; padding: 13px 14px; border: 1px solid #ddd4bf; border-radius: 10px; background: #fff; color: var(--navy); outline: none; }
.calc-result { margin: 24px 0; padding: 22px; border-radius: var(--radius); background: var(--navy); }
.calc-result span { color: rgba(255,255,255,.58); font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 1.1px; }
.calc-result strong { display: block; color: var(--gold2); font-size: 42px; line-height: 1.1; margin: 5px 0; }
.calc-result small { color: rgba(255,255,255,.46); }

.trust-bar { background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 18px 0; }
.trust-inner { max-width: 1260px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 36px; }
.trust-inner span { display: flex; align-items: center; gap: 9px; color: var(--gray); font-size: 13px; font-weight: 700; }
.trust-inner i { color: #9a772f; font-size: 16px; }

.loan-disclosure { padding: 42px 0; background: #fff; border-bottom: 1px solid var(--border); }
.disclosure-box { padding: 30px; background: var(--cream); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.disclosure-head { display: grid; grid-template-columns: .95fr 1.05fr; gap: 34px; align-items: end; margin-bottom: 24px; }
.disclosure-head h2 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: clamp(28px,3vw,40px); line-height: 1.12; }
.disclosure-head p { color: var(--gray); line-height: 1.7; }
.disclosure-subtitle { margin-top: 8px; color: var(--navy) !important; font-size: 14px; font-weight: 800; }
.disclosure-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.disclosure-item { padding: 20px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); }
.disclosure-item span { display: block; color: #9a772f; font-size: 11px; font-weight: 900; letter-spacing: 1.4px; text-transform: uppercase; margin-bottom: 8px; }
.disclosure-item strong { display: block; color: var(--navy); font-size: 18px; line-height: 1.35; }
.disclosure-item small { display: block; margin-top: 8px; color: var(--gray); font-size: 13px; line-height: 1.55; }
.disclosure-note { margin-top: 16px; color: var(--gray); font-size: 14px; line-height: 1.65; }

.trust-proof { padding: 64px 0; background: #fff; border-bottom: 1px solid var(--border); }
.trust-proof-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 42px; align-items: start; }
.proof-list { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
.proof-list div { min-height: 150px; padding: 20px; background: var(--light); border: 1px solid var(--border); border-radius: var(--radius); }
.proof-list i { width: 38px; height: 38px; display: grid; place-items: center; margin-bottom: 16px; color: var(--navy); background: var(--gold); border-radius: var(--radius); }
.proof-list strong { display: block; color: var(--navy); margin-bottom: 7px; }
.proof-list span { color: var(--gray); font-size: 14px; line-height: 1.55; }

#domains-home, .page-section { padding: 90px 0; }
.compact-section { padding: 68px 0; }
.section-split { display: grid; grid-template-columns: .92fr 1.08fr; gap: 48px; align-items: end; margin-bottom: 38px; }
.section-split .section-p { max-width: none; }
.domain-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; margin-top: 50px; }
.domain-card { display: block; overflow: hidden; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); transition: all .3s; color: inherit; }
.domain-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(200,167,93,.52); }
.d-img-wrap { height: 190px; overflow: hidden; }
.d-img-wrap img, .loan-visual img, .about-img img, .featured-testimonial-img img, .story-card img { width: 100%; height: 100%; object-fit: cover; }
.domain-card:hover img { transform: scale(1.06); }
.d-img-wrap img { transition: transform .45s; }
.d-body { padding: 24px; }
.d-body span { display: inline-block; color: #9a772f; font-size: 10px; font-weight: 900; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 8px; }
.d-body h3 { color: var(--navy); font-size: 19px; margin-bottom: 9px; }
.d-body p { color: var(--gray); font-size: 14.5px; line-height: 1.65; }

#why, .muted-section { padding: 96px 0; background: var(--cream); }
.why-layout, .about-grid, .contact-layout, .featured-testimonial, .process-overview-grid, .faq-layout { display: grid; grid-template-columns: .9fr 1.1fr; gap: 54px; align-items: center; }
.why-panel { display: grid; gap: 16px; padding: 34px; border-radius: var(--radius-lg); background: linear-gradient(140deg, var(--navy), var(--navy2)); box-shadow: var(--shadow-lg); }
.why-stat { padding: 22px; border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); background: rgba(255,255,255,.06); }
.why-stat strong { color: var(--gold2); font-size: 40px; line-height: 1; }
.why-stat small { display: block; margin-top: 6px; color: rgba(255,255,255,.62); text-transform: uppercase; letter-spacing: 1px; }
.features { display: grid; gap: 18px; margin-top: 28px; }
.feature, .contact-card { display: flex; gap: 16px; align-items: flex-start; padding: 18px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); }
.feature i, .contact-card i, .value-card i, .document-card i, .assurance-card i { width: 42px; height: 42px; display: grid; place-items: center; flex: 0 0 42px; border-radius: var(--radius); color: var(--gold2); background: var(--navy); }
.feature h4, .contact-card h3 { color: var(--navy); font-size: 16px; margin-bottom: 4px; }
.feature p, .contact-card p { color: var(--gray); font-size: 14.5px; line-height: 1.6; }

.insight-strip { padding: 64px 0; background: #fff; border-bottom: 1px solid var(--border); }
.insight-grid { display: grid; grid-template-columns: 1fr .9fr; gap: 42px; align-items: center; }
.insight-list { display: grid; gap: 14px; }
.insight-list div { display: grid; grid-template-columns: 58px 1fr; gap: 18px; align-items: start; padding: 20px; background: var(--light); border: 1px solid var(--border); border-radius: var(--radius); }
.insight-list strong { width: 42px; height: 42px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-size: 13px; }
.insight-list span { color: var(--text); line-height: 1.65; }

.scenario-grid, .selector-grid, .method-grid, .sector-grid, .risk-grid, .timeline-list { display: grid; gap: 18px; }
.scenario-grid { grid-template-columns: repeat(3,1fr); }
.scenario-card, .method-card, .timeline-card, .risk-card, .sector-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); }
.scenario-card span, .timeline-card span { color: #9a772f; font-size: 11px; font-weight: 900; letter-spacing: 1.5px; text-transform: uppercase; }
.scenario-card h3, .method-card h3, .timeline-card h3, .risk-card strong, .sector-card strong { display: block; color: var(--navy); font-size: 19px; line-height: 1.25; margin: 10px 0 8px; }
.scenario-card p, .method-card p, .timeline-card p, .risk-card p, .sector-card span { color: var(--gray); line-height: 1.65; }

.workbench { display: grid; grid-template-columns: 1.05fr .95fr; gap: 24px; }
.workbench-panel { padding: 30px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.workbench-panel.accent { background: linear-gradient(145deg, var(--navy), var(--navy2)); border-color: transparent; }
.workbench-panel h3 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 30px; margin-bottom: 20px; }
.workbench-panel.accent h3 { color: #fff; }
.check-list { display: grid; gap: 14px; list-style: none; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; color: var(--gray); line-height: 1.65; }
.check-list i { color: #9a772f; margin-top: 4px; }
.mini-metric { padding: 18px 0; border-top: 1px solid rgba(255,255,255,.12); }
.mini-metric:first-of-type { border-top: 0; }
.mini-metric strong { display: block; color: var(--gold2); font-size: 22px; margin-bottom: 4px; }
.mini-metric span { color: rgba(255,255,255,.66); line-height: 1.55; }

.selector-grid { grid-template-columns: repeat(3,1fr); }
.selector-grid a { display: block; min-height: 132px; padding: 22px; color: inherit; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); transition: transform .22s, border-color .22s, box-shadow .22s; }
.selector-grid a:hover { transform: translateY(-4px); border-color: rgba(200,167,93,.58); box-shadow: var(--shadow-lg); }
.selector-grid strong { display: block; color: var(--navy); font-size: 18px; margin-bottom: 8px; }
.selector-grid span { color: var(--gray); line-height: 1.55; font-size: 14.5px; }
.loan-points { display: grid; gap: 8px; margin: 0 0 22px 18px; color: var(--gray); line-height: 1.6; }
.comparison-table { overflow: hidden; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.comparison-row { display: grid; grid-template-columns: .75fr 1.1fr 1fr; gap: 18px; padding: 18px 22px; border-top: 1px solid var(--border); align-items: center; }
.comparison-row:first-child { border-top: 0; }
.comparison-row span { color: var(--gray); line-height: 1.45; }
.comparison-row span:first-child { color: var(--navy); font-weight: 800; }
.comparison-head { background: var(--navy); }
.comparison-head span { color: #fff !important; font-size: 12px; font-weight: 900; letter-spacing: 1.2px; text-transform: uppercase; }

.process-detail { background: #fff; }
.timeline-list { grid-template-columns: repeat(3,1fr); }
.timeline-card { position: relative; border-top: 4px solid var(--gold); }
.timeline-card::before { content: ""; position: absolute; top: -10px; left: 24px; width: 16px; height: 16px; border-radius: 50%; background: var(--navy); border: 3px solid var(--gold); }
.risk-grid { grid-template-columns: repeat(4,1fr); }
.risk-card { background: var(--light); }
.risk-card strong { margin-top: 0; }

.method-grid { grid-template-columns: repeat(4,1fr); }
.method-card span { width: 46px; height: 46px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-weight: 900; margin-bottom: 18px; }
.sector-grid { grid-template-columns: repeat(4,1fr); }
.sector-card { min-height: 150px; }
.sector-card strong { margin-top: 0; }

.quote-panel { display: grid; grid-template-columns: .9fr 1.1fr; gap: 42px; align-items: center; padding: 34px; background: var(--cream); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.quote-panel p { color: var(--gray); font-size: 17px; line-height: 1.75; }

.contact-note { margin-top: 18px; padding: 20px; background: var(--cream); border: 1px solid var(--border); border-radius: var(--radius); }
.contact-note strong { display: block; color: var(--navy); margin-bottom: 8px; }
.contact-note p { color: var(--gray); line-height: 1.65; }
.document-stack { display: grid; gap: 12px; }
.document-stack div { padding: 20px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); }
.document-stack strong { display: block; color: var(--navy); margin-bottom: 6px; }
.document-stack span { color: var(--gray); line-height: 1.6; }

#cta-banner { padding: 82px 0; background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%); }
.cta-box { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.cta-box h2 { color: #fff; font-family: "Cormorant Garamond", serif; font-size: clamp(32px,4vw,50px); }
.cta-box p { color: rgba(255,255,255,.66); margin-top: 8px; }

.page-hero { position: relative; padding: 72px 0 60px; overflow: hidden; background: linear-gradient(135deg, var(--warm) 0%, #ffffff 100%); color: var(--navy); }
.page-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(rgba(33,54,77,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(33,54,77,.05) 1px, transparent 1px); background-size: 60px 60px; }
.page-hero .container { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; font-size: 13px; color: #71808d; }
.breadcrumb a { color: #9a772f; }
.page-hero h1 { font-family: "Cormorant Garamond", serif; font-size: clamp(38px,5vw,62px); line-height: 1.08; margin-bottom: 14px; }
.page-hero p { color: #5b6875; max-width: 680px; font-size: 17px; line-height: 1.7; }

.loan-section { padding: 86px 0; }
.loan-section:nth-child(even) { background: var(--cream); }
.loan-row { display: grid; grid-template-columns: .95fr 1.05fr; gap: 54px; align-items: center; }
.loan-section:nth-child(even) .loan-visual { order: 2; }
.loan-visual { height: 380px; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.loan-content h2 { font-family: "Cormorant Garamond", serif; color: var(--navy); font-size: clamp(30px,4vw,46px); margin-bottom: 12px; }
.loan-content h2 em { color: #a68034; font-style: italic; }
.loan-content p { color: var(--gray); line-height: 1.75; margin-bottom: 22px; }
.spec-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin: 22px 0; }
.spec-item { padding: 16px; background: var(--light); border-radius: var(--radius); }
.spec-item span { display: block; color: var(--gray); font-size: 11px; font-weight: 900; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 4px; }
.spec-item strong { color: var(--navy); font-size: 16px; }

.steps-grid, .team-grid, .testi-grid, .values-grid, .documents-grid, .assurance-grid, .story-grid, .stats-grid { display: grid; gap: 20px; margin-top: 44px; }
.steps-grid { grid-template-columns: repeat(4,1fr); }
.team-grid, .testi-grid, .values-grid, .documents-grid, .story-grid { grid-template-columns: repeat(3,1fr); }
.assurance-grid, .stats-grid { grid-template-columns: repeat(4,1fr); }
.step-card, .testi-card, .team-card, .value-card, .document-card, .assurance-card, .stat-card, .story-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); }
.step-num { width: 46px; height: 46px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-weight: 900; margin-bottom: 20px; }
.step-card h3, .team-card h3, .value-card h3, .document-card h3, .assurance-card h3, .story-card h3 { color: var(--navy); margin-bottom: 10px; }
.step-card p, .team-card p, .value-card p, .document-card p, .assurance-card p, .story-card p { color: var(--gray); line-height: 1.65; }
.team-card img { width: 82px; height: 82px; border-radius: 50%; object-fit: cover; margin-bottom: 18px; }
.team-card span, .testi-card span, .story-card span { color: #9a772f; font-size: 12px; font-weight: 900; text-transform: uppercase; letter-spacing: 1px; }
.stars { color: #9a772f; margin-bottom: 12px; }
.testi-card blockquote { color: var(--text); line-height: 1.7; margin-bottom: 18px; }
.about-img, .featured-testimonial-img, .process-image { overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.about-img img, .featured-testimonial-img img, .process-image img { height: 430px; }
.stat-card strong { display: block; color: #9a772f; font-size: 34px; line-height: 1; }
.stat-card span { display: block; margin-top: 8px; color: var(--gray); font-size: 12px; font-weight: 900; letter-spacing: 1px; text-transform: uppercase; }
.featured-quote { margin: 26px 0; padding: 22px 24px; color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 25px; line-height: 1.35; border-left: 4px solid var(--gold); background: var(--cream); border-radius: 0 var(--radius) var(--radius) 0; }
.story-card { overflow: hidden; padding: 0; }
.story-card img { height: 190px; }
.story-card div { padding: 22px; }

.contact-section { padding: 58px 0 84px; }
.contact-layout { align-items: start; }
.contact-items { display: grid; gap: 14px; margin-top: 26px; }
.form-card { background: var(--cream); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 34px; box-shadow: var(--shadow); }
.form-card h2 { font-family: "Cormorant Garamond", serif; color: var(--navy); font-size: 34px; margin-bottom: 6px; }
.form-card > p { color: var(--gray); margin-bottom: 24px; }
.form-disclosure { margin: 0 0 18px; padding: 14px 16px; background: #fff; border: 1px solid var(--border); border-left: 4px solid var(--gold); border-radius: var(--radius); }
.form-disclosure strong { display: block; color: var(--navy); font-size: 13px; margin-bottom: 6px; }
.form-disclosure span { display: block; color: var(--gray); font-size: 12px; line-height: 1.55; }
.form-summary { display: grid; gap: 5px; margin: 4px 0 16px; padding: 14px 16px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); }
.form-summary strong { color: var(--navy); font-size: 14px; }
.form-summary span { color: var(--gray); font-size: 13px; line-height: 1.5; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; color: var(--navy); font-size: 13px; font-weight: 800; margin-bottom: 7px; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 13px 15px; border: 1.5px solid var(--border); border-radius: var(--radius); background: #fff; color: var(--text); outline: none; }
.form-group textarea { height: 112px; resize: vertical; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,167,93,.14); }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; opacity: 0; }
.form-check { display: flex; gap: 10px; align-items: flex-start; color: var(--gray); font-size: 13px; line-height: 1.5; margin: 4px 0 18px; }
.form-check input { margin-top: 3px; accent-color: var(--gold); }
.form-reassurance { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin: 14px 0 20px; padding: 14px 16px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); color: var(--gray); font-size: 12.5px; line-height: 1.45; }
.form-reassurance span { display: flex; gap: 8px; align-items: flex-start; }
.form-reassurance i { color: #9a772f; margin-top: 2px; }
.form-error { display: none; margin-top: 14px; padding: 14px; color: #b91c1c; background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; text-align: center; }

.confirmation-section { min-height: 58vh; display: flex; align-items: center; background: linear-gradient(135deg, var(--warm) 0%, #ffffff 100%); }
.confirmation-box { max-width: 820px; text-align: center; }
.confirmation-icon { width: 76px; height: 76px; display: grid; place-items: center; margin: 0 auto 24px; color: var(--navy); background: var(--gold); border-radius: 50%; box-shadow: 0 16px 40px rgba(200,167,93,.30); font-size: 30px; }
.confirmation-box h1 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: clamp(38px,5vw,62px); line-height: 1.08; margin-bottom: 14px; }
.confirmation-box p { max-width: 640px; margin: 0 auto; color: var(--gray); font-size: 17px; line-height: 1.75; }
.confirmation-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

.legal-section { padding: 78px 0; background: #fff; }
.legal-content { max-width: 900px; }
.legal-content h2 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 30px; margin: 30px 0 10px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--gray); font-size: 16px; line-height: 1.8; }
.legal-content ul { margin: 12px 0 0 20px; }

.site-footer { background: var(--navy); color: rgba(255,255,255,.66); padding-bottom: 86px; }
.footer-top { padding: 58px 0 42px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 42px; }
.footer-brand .logo-words strong { color: #fff; }
.footer-brand p { margin-top: 16px; max-width: 320px; font-size: 14px; line-height: 1.8; }
.footer-cert { margin-top: 18px; color: rgba(255,255,255,.46); font-size: 12px; }
.footer-cert i { color: var(--gold2); margin-right: 6px; }
.footer-col h4 { color: #fff; font-size: 13px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-links { list-style: none; display: grid; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.58); font-size: 14px; display: inline-flex; gap: 7px; align-items: center; }
.footer-links a:hover { color: var(--gold2); }
.footer-links i { color: var(--gold2); font-size: 10px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 20px 0; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: 13px; }
.footer-bottom a { color: rgba(255,255,255,.48); }

.whatsapp-float { position: fixed; right: 24px; bottom: 24px; z-index: 900; width: auto; min-height: 56px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 0 18px; color: #fff; background: var(--navy); border: 1px solid rgba(255,255,255,.42); border-radius: 999px; box-shadow: 0 14px 34px rgba(29,49,72,.28); transition: transform .2s, box-shadow .2s, background .2s; font-size: 14px; font-weight: 800; }
.whatsapp-float:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); box-shadow: 0 18px 42px rgba(29,49,72,.30); }
.whatsapp-float i { font-size: 24px; }
.whatsapp-float span { display: inline; }

.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 1024px) {
  .hero-inner, .why-layout, .loan-row, .about-grid, .contact-layout, .featured-testimonial, .disclosure-head, .process-overview-grid, .faq-layout, .trust-proof-grid { grid-template-columns: 1fr; }
  .loan-section:nth-child(even) .loan-visual { order: initial; }
  .section-split, .insight-grid, .workbench, .quote-panel { grid-template-columns: 1fr; }
  .domain-grid, .team-grid, .testi-grid, .values-grid, .documents-grid, .assurance-grid, .stats-grid, .story-grid, .disclosure-grid, .scenario-grid, .selector-grid, .timeline-list, .risk-grid, .method-grid, .sector-grid, .proof-list { grid-template-columns: repeat(2,1fr); }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .container, .topbar-inner, nav { padding: 0 16px; }
  .topbar-left { display: none; }
  .topbar-inner { justify-content: center; }
  .nav-hamburger { display: flex; }
  .nav-menu { display: none; position: fixed; top: 72px; right: 0; width: min(82vw, 340px); height: calc(100vh - 72px); background: #fff; flex-direction: column; align-items: stretch; padding: 28px 20px; gap: 0; z-index: 250; box-shadow: -8px 0 28px rgba(33,54,77,.14); }
  .nav-menu.open { display: flex; }
  .nav-menu a { padding: 15px 10px; border-bottom: 1px solid var(--border); border-radius: 0; }
  .btn-nav { margin-top: 14px; text-align: center; border-radius: 10px !important; }
  #hero { padding: 60px 0; }
  .hero-inner { gap: 34px; }
  .hero-copy, .hero-side { width: calc(100% - 16px); max-width: calc(100% - 16px); }
  .hero-h { font-size: 34px; line-height: 1.06; }
  .hero-h br { display: block; }
  .mobile-title-break { display: block; }
  .hero-p { font-size: 16px; }
  .page-hero h1 { font-size: 36px; line-height: 1.1; }
  .page-hero { padding: 58px 0 54px; }
  .hero-stats { display: none; }
  .hero-photo { height: 210px; }
  .hero-photo, .calc-card { width: 100%; max-width: 100%; }
  .hero-photo-caption { left: 16px; right: 16px; grid-template-columns: 40px minmax(0,1fr); }
  .hero-photo-caption i { width: 40px; height: 40px; }
  .hero-photo-caption span { display: none; }
  .domain-grid, .team-grid, .testi-grid, .steps-grid, .spec-grid, .form-row, .footer-grid, .documents-grid, .assurance-grid, .stats-grid, .values-grid, .story-grid, .disclosure-grid, .scenario-grid, .selector-grid, .timeline-list, .risk-grid, .method-grid, .sector-grid, .proof-list, .form-reassurance { grid-template-columns: 1fr; }
  .comparison-row { grid-template-columns: 1fr; gap: 8px; }
  .comparison-head { display: none; }
  .comparison-row span:first-child { font-size: 17px; }
  .calc-card, .form-card, .disclosure-box { padding: 24px 18px; border-radius: var(--radius-lg); }
  .hero-btns { display: grid; grid-template-columns: 1fr; }
  .hero-btns .btn-primary, .hero-btns .btn-outline { width: 100%; }
  .amount-row { justify-content: flex-start; font-size: 18px; }
  .calc-card h3 { font-size: 25px; align-items: flex-start; }
  .calc-result strong { font-size: 38px; }
  .form-disclosure span { overflow-wrap: break-word; }
  .contact-layout > form { order: -1; }
  .loan-visual, .about-img img, .featured-testimonial-img img, .process-image img { height: 300px; }
  .cta-box { flex-direction: column; align-items: flex-start; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .site-footer { padding-bottom: 78px; }
  .whatsapp-float { right: 16px; bottom: 16px; min-height: 52px; padding: 0 14px; }
  .whatsapp-float span { display: none; }
}

@media (max-width: 420px) {
  .hero-h { font-size: 28px; }
  .page-hero h1 { font-size: 34px; }
  .hero-badge { font-size: 11px; letter-spacing: .8px; padding: 8px 12px; }
  .calc-card h3 { font-size: 23px; }
  .amount-row { font-size: 17px; }
  .calc-result strong { font-size: 34px; }
}