:root{
  --ink:#0a0e17;
  --ink-2:#0f1521;
  --panel:#121a28;
  --panel-2:#16203046;
  --line:rgba(255,255,255,.09);
  --gold:#e8b339;
  --gold-soft:#f3cf6b;
  --emerald:#34d3a6;
  --text:#eef2f7;
  --muted:#94a3b8;
  --muted-2:#6b7686;
  --light:#f5f6f8;
  --light-ink:#0f1521;
  --light-muted:#5a6678;
  --radius:14px;
  --shadow:0 30px 70px rgba(2,6,16,.55);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"DM Sans",system-ui,sans-serif;background:var(--ink);color:var(--text);overflow-x:hidden;line-height:1.6}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
h1,h2,h3,h4,h5,.display{font-family:"Space Grotesk","DM Sans",sans-serif;font-weight:700;line-height:1.08;letter-spacing:-.01em}
.container{width:min(1200px,92%);margin:auto}
.eyebrow{display:inline-flex;align-items:center;gap:9px;color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:2.5px;font-size:12px;margin-bottom:18px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold)}
.eyebrow.center::after{content:"";width:26px;height:2px;background:var(--gold)}
.section{padding:96px 0}
.section.tight{padding:72px 0}
.section.light{background:var(--light);color:var(--light-ink)}
.section.light p{color:var(--light-muted)}
.lead{color:var(--muted);font-size:18px;max-width:640px}
.section.light .lead{color:var(--light-muted)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:52px;padding:0 26px;border-radius:10px;font-family:"Space Grotesk",sans-serif;font-weight:600;font-size:15px;cursor:pointer;border:0;transition:.22s;white-space:nowrap}
.btn-gold{background:var(--gold);color:#1a1304;box-shadow:0 14px 30px rgba(232,179,57,.28)}
.btn-gold:hover{background:var(--gold-soft);transform:translateY(-2px)}
.btn-outline{border:1px solid rgba(255,255,255,.22);color:#fff;background:transparent}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:#1c2636}
.btn-block{width:100%}

/* Topbar */
.topbar{position:sticky;top:0;z-index:60;background:rgba(10,14,23,.86);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 0}
.brand{display:flex;align-items:center;gap:12px;font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:21px;letter-spacing:-.02em}
.brand-mark{width:44px;height:44px;display:grid;place-items:center;background:linear-gradient(150deg,var(--gold),#b8801f);color:#1a1304;border-radius:12px;font-weight:700;font-size:18px;box-shadow:0 8px 20px rgba(232,179,57,.3)}
.brand small{display:block;font-family:"DM Sans",sans-serif;font-size:10.5px;letter-spacing:2px;color:var(--muted);font-weight:500;text-transform:uppercase;margin-top:1px}
.menu{display:flex;align-items:center;gap:30px;font-size:14.5px;font-weight:500;color:#cdd5df}
.menu a{position:relative;padding:4px 0;transition:.2s}
.menu a:hover,.menu a.active{color:var(--gold)}
.menu a.active::after{content:"";position:absolute;left:0;right:0;bottom:-3px;height:2px;background:var(--gold);border-radius:2px}
.has-dropdown{position:relative;display:flex;align-items:center}
.has-dropdown .droptoggle{display:flex;align-items:center;gap:6px;cursor:pointer;color:#cdd5df;padding:4px 0;transition:.2s}
.has-dropdown:hover .droptoggle,.has-dropdown.active .droptoggle{color:var(--gold)}
.has-dropdown .droptoggle svg{transition:.25s}
.has-dropdown:hover .droptoggle svg{transform:rotate(180deg)}
.dropdown{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(16px);min-width:212px;background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:8px;display:flex;flex-direction:column;gap:2px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.22s;z-index:80}
.dropdown::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(8px)}
.dropdown a{padding:11px 14px;border-radius:8px;font-size:14px;color:#cdd5df;transition:.18s}
.dropdown a:hover{background:var(--ink-2);color:var(--gold)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{display:flex;align-items:center;gap:8px;font-weight:600;font-size:14px;color:#fff}
.nav-phone svg{color:var(--gold)}
.burger{display:none;width:46px;height:46px;border:1px solid var(--line);border-radius:10px;background:transparent;cursor:pointer;color:#fff}
.burger span{display:block;width:20px;height:2px;background:#fff;margin:4px auto;transition:.25s}
.mobile-menu{display:none;flex-direction:column;gap:4px;padding:10px 0 22px;border-top:1px solid var(--line)}
.mobile-menu a{padding:12px 6px;border-radius:8px;font-weight:600;color:#cdd5df}
.mobile-menu a:hover{background:var(--panel);color:var(--gold)}
.mobile-menu .btn{margin-top:10px}
.mobile-menu.open{display:flex}

/* Hero */
.hero{position:relative;isolation:isolate;padding:104px 0 88px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background:
  radial-gradient(900px 500px at 80% -10%,rgba(232,179,57,.16),transparent 60%),
  linear-gradient(115deg,rgba(10,14,23,.98) 38%,rgba(10,14,23,.72) 62%,rgba(10,14,23,.45)),
  url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1900&q=80') center/cover}
.hero::after{content:"";position:absolute;inset:auto 0 0;height:140px;background:linear-gradient(transparent,var(--ink));z-index:-1}
.hero-grid{display:grid;grid-template-columns:1.05fr 420px;gap:60px;align-items:center}
.hero h1{font-size:clamp(40px,5.4vw,68px);max-width:680px}
.hero h1 .hl{color:var(--gold)}
.hero .lead{margin:24px 0 32px;font-size:19px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.trust-row{display:flex;align-items:center;gap:22px;margin-top:36px;flex-wrap:wrap;color:var(--muted);font-size:13.5px}
.trust-row .dot{width:6px;height:6px;border-radius:50%;background:var(--gold)}
.trust-row b{color:#fff;font-weight:600}

/* Quote / enquiry card */
.quote-card{background:linear-gradient(180deg,#ffffff,#f3f5f9);color:var(--light-ink);padding:30px;border-radius:18px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.5)}
.quote-card .tag{display:inline-flex;align-items:center;gap:7px;background:#eef6f1;color:#1c8a63;font-weight:700;font-size:12px;padding:6px 12px;border-radius:30px;margin-bottom:14px}
.quote-card h3{font-size:24px;margin-bottom:6px}
.quote-card .sub{color:var(--light-muted);font-size:14px;margin-bottom:20px}

/* Forms */
.field{margin-bottom:14px}
.field label{display:block;font-size:13px;font-weight:600;margin-bottom:6px;color:#33415a}
.field input,.field select,.field textarea{width:100%;border:1px solid #d7dde7;background:#fff;color:#0f1521;border-radius:10px;padding:13px 15px;font:inherit;outline:none;transition:.18s}
.field textarea{resize:vertical;min-height:96px}
.field input::placeholder,.field textarea::placeholder{color:#9aa6b6}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(232,179,57,.18)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-note{font-size:12.5px;color:var(--light-muted);margin-top:12px;text-align:center}
.err{color:#dc2626;font-size:12.5px;margin-top:5px;display:block}
.form-status{font-size:14px;font-weight:600;padding:12px 14px;border-radius:10px;margin-bottom:14px;display:none}
.form-status.ok{display:block;background:#eaf7f0;color:#11774f;border:1px solid #b9e6cf}
.form-status.bad{display:block;background:#fdecec;color:#c0392b;border:1px solid #f3c2c2}
.form-success{display:none;background:#eaf7f0;color:#11774f;border:1px solid #b9e6cf;border-radius:12px;padding:26px 22px;text-align:center;font-weight:600;font-size:15px;line-height:1.5}
.form-success svg{color:#1c8a63;margin:0 auto 10px}

/* Stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden}
.stat{background:var(--ink-2);padding:30px 26px}
.stat b{display:block;font-family:"Space Grotesk",sans-serif;font-size:38px;color:var(--gold);line-height:1}
.stat span{display:block;margin-top:10px;color:var(--muted);font-size:14px}

/* Section heading */
.head{max-width:680px;margin-bottom:48px}
.head.center{margin-inline:auto;text-align:center}
.head h2{font-size:clamp(30px,3.6vw,46px)}
.head p{margin-top:16px}

/* Feature / loan cards */
.cards{display:grid;gap:22px}
.cards.two{grid-template-columns:1fr 1fr}
.cards.three{grid-template-columns:repeat(3,1fr)}
.cards.four{grid-template-columns:repeat(4,1fr)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.25s;position:relative;overflow:hidden}
.section.light .card{background:#fff;border-color:#e8ebf0;box-shadow:0 10px 30px rgba(15,21,33,.05)}
.card:hover{transform:translateY(-5px);border-color:rgba(232,179,57,.5)}
.icon-badge{width:54px;height:54px;border-radius:13px;display:grid;place-items:center;background:rgba(232,179,57,.14);color:var(--gold);margin-bottom:20px}
.section.light .icon-badge{background:rgba(232,179,57,.16)}
.card h3{font-size:20px;margin-bottom:10px}
.card p{color:var(--muted);font-size:14.5px}
.section.light .card p{color:var(--light-muted)}
.card .more{display:inline-flex;align-items:center;gap:7px;margin-top:18px;color:var(--gold);font-weight:600;font-size:14px}

/* Loan highlight (big two cards) */
.loan-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.loan-card{border-radius:18px;overflow:hidden;border:1px solid var(--line);background:var(--panel);display:flex;flex-direction:column}
.loan-card .pic{height:210px;position:relative}
.loan-card .pic img{width:100%;height:100%;object-fit:cover}
.loan-card .pic .chip{position:absolute;left:18px;top:18px;background:var(--gold);color:#1a1304;font-weight:700;font-size:12px;padding:6px 13px;border-radius:30px}
.loan-card .body{padding:28px;flex:1;display:flex;flex-direction:column}
.loan-card h3{font-size:24px;margin-bottom:10px}
.loan-card p{color:var(--muted);font-size:14.5px;margin-bottom:18px}
.tick{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.tick li{list-style:none;display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#cdd5df}
.tick li svg{color:var(--emerald);flex:none;margin-top:2px}
.loan-card .body .btn{margin-top:auto}

/* Split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.flip .media{order:2}
.split .media{position:relative;border-radius:18px;overflow:hidden;min-height:420px;box-shadow:var(--shadow)}
.split .media img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.split .media .float{position:absolute;left:22px;bottom:22px;right:22px;background:rgba(10,14,23,.82);backdrop-filter:blur(8px);border:1px solid var(--line);border-radius:14px;padding:18px 20px;display:flex;align-items:center;gap:16px}
.split .media .float b{font-family:"Space Grotesk",sans-serif;font-size:30px;color:var(--gold)}
.split .media .float span{color:var(--muted);font-size:13.5px}
.point-list{display:flex;flex-direction:column;gap:18px;margin-top:26px}
.point{display:flex;gap:16px}
.point .num{width:46px;height:46px;flex:none;border-radius:12px;background:var(--panel);border:1px solid var(--line);display:grid;place-items:center;color:var(--gold);font-family:"Space Grotesk",sans-serif;font-weight:700}
.section.light .point .num{background:#fff;border-color:#e8ebf0}
.point h4{font-size:17px;margin-bottom:4px}
.point p{color:var(--muted);font-size:14px}
.section.light .point p{color:var(--light-muted)}

/* Process timeline */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding:30px;background:#fff;border:1px solid #e8ebf0;border-radius:var(--radius)}
.step .n{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:15px;color:#1a1304;width:42px;height:42px;border-radius:11px;background:var(--gold);display:grid;place-items:center;margin-bottom:18px}
.step h4{font-size:18px;margin-bottom:8px}
.step p{color:var(--light-muted);font-size:14px}

/* Banner CTA */
.banner{position:relative;isolation:isolate;border-radius:22px;overflow:hidden;padding:64px 56px}
.banner::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(110deg,rgba(10,14,23,.96),rgba(10,14,23,.7)),url('https://images.unsplash.com/photo-1600880292203-757bb62b4baf?auto=format&fit=crop&w=1700&q=80') center/cover}
.banner-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.banner h2{font-size:clamp(28px,3.4vw,42px);max-width:640px}
.banner p{color:var(--muted);margin-top:12px;max-width:560px}

/* Page hero (inner) */
.page-hero{position:relative;isolation:isolate;padding:120px 0 84px;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;z-index:-2;background:
  radial-gradient(700px 400px at 88% -20%,rgba(232,179,57,.16),transparent 60%),
  linear-gradient(120deg,rgba(10,14,23,.97) 45%,rgba(10,14,23,.6)),
  var(--hero-img,linear-gradient(120deg,#0a0e17,#16203a)) center/cover}
.page-hero .crumb{color:var(--muted);font-size:13px;margin-bottom:14px}
.page-hero .crumb a:hover{color:var(--gold)}
.page-hero h1{font-size:clamp(34px,4.6vw,56px);max-width:760px}
.page-hero p{color:var(--muted);margin-top:18px;max-width:620px;font-size:18px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:start}
.contact-panel{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:34px}
.contact-form-card{background:#fff;color:var(--light-ink);border-radius:18px;padding:34px;box-shadow:var(--shadow)}
.contact-form-card h3{font-size:24px;margin-bottom:6px}
.contact-form-card .sub{color:var(--light-muted);font-size:14px;margin-bottom:22px}
.cinfo{display:flex;gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.cinfo:last-child{border-bottom:0}
.cinfo .ic{width:50px;height:50px;flex:none;border-radius:13px;background:rgba(232,179,57,.14);color:var(--gold);display:grid;place-items:center}
.cinfo b{font-family:"Space Grotesk",sans-serif;font-size:13px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);font-weight:600}
.cinfo p{color:#fff;font-size:16px;margin-top:3px;font-weight:500}
.contact-hours{margin-top:24px;background:var(--ink-2);border:1px solid var(--line);border-radius:14px;padding:20px}
.contact-hours h4{font-size:15px;margin-bottom:12px;color:var(--gold)}
.contact-hours .row{display:flex;justify-content:space-between;font-size:14px;color:var(--muted);padding:6px 0}
.map-wrap{margin-top:34px;border-radius:18px;overflow:hidden;border:1px solid var(--line);filter:grayscale(.2)}
.map-wrap iframe{width:100%;height:320px;border:0;display:block}

/* FAQ */
.faq{max-width:840px;margin:auto}
.faq details{border:1px solid #e8ebf0;border-radius:12px;padding:18px 22px;margin-bottom:14px;background:#fff}
.faq summary{font-family:"Space Grotesk",sans-serif;font-weight:600;font-size:17px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:24px;font-weight:400}
.faq details[open] summary::after{content:"\2013"}
.faq p{color:var(--light-muted);margin-top:12px;font-size:15px}

/* Footer */
.footer{background:var(--ink-2);border-top:1px solid var(--line);padding:72px 0 0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:40px;padding-bottom:50px}
.footer .brand{margin-bottom:18px}
.footer p.about{color:var(--muted);font-size:14.5px;max-width:330px}
.footer h5{font-family:"Space Grotesk",sans-serif;font-size:14px;letter-spacing:1px;text-transform:uppercase;color:#fff;margin-bottom:18px}
.footer ul{list-style:none;display:flex;flex-direction:column;gap:11px}
.footer ul a{color:var(--muted);font-size:14.5px;transition:.2s}
.footer ul a:hover{color:var(--gold);padding-left:4px}
.footer .fcontact li{display:flex;gap:11px;color:var(--muted);font-size:14.5px;margin-bottom:13px;align-items:flex-start}
.footer .fcontact svg{color:var(--gold);flex:none;margin-top:3px}
.socials{display:flex;gap:10px;margin-top:20px}
.socials a{width:40px;height:40px;border-radius:11px;border:1px solid var(--line);display:grid;place-items:center;color:var(--muted);transition:.2s}
.socials a:hover{background:var(--gold);color:#1a1304;border-color:var(--gold)}
.footer-bottom{border-top:1px solid var(--line);padding:22px 0;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;color:var(--muted-2);font-size:13.5px}
.footer-bottom a:hover{color:var(--gold)}

/* Modal */
.modal-overlay{position:fixed;inset:0;background:rgba(4,7,14,.72);backdrop-filter:blur(5px);z-index:200;display:none;align-items:flex-start;justify-content:center;padding:40px 18px;overflow-y:auto}
.modal-overlay.open{display:flex}
.modal{background:linear-gradient(180deg,#ffffff,#f4f6f9);color:var(--light-ink);width:min(520px,100%);border-radius:18px;box-shadow:var(--shadow);overflow:hidden;animation:pop .28s ease}
@keyframes pop{from{opacity:0;transform:translateY(18px) scale(.98)}to{opacity:1;transform:none}}
.modal-head{background:var(--ink);color:#fff;padding:24px 28px;position:relative}
.modal-head .tag{color:var(--gold);font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase}
.modal-head h3{font-size:23px;margin-top:6px}
.modal-head p{color:var(--muted);font-size:13.5px;margin-top:6px}
.modal-close{position:absolute;top:18px;right:18px;width:36px;height:36px;border-radius:9px;border:1px solid var(--line);background:transparent;color:#fff;cursor:pointer;font-size:18px;line-height:1}
.modal-close:hover{background:rgba(255,255,255,.1)}
.modal-body{padding:26px 28px}

/* utility */
.center{text-align:center}
.mt-s{margin-top:14px}.mt-m{margin-top:26px}.mt-l{margin-top:44px}
.grid-tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.pill{border:1px solid var(--line);border-radius:30px;padding:8px 16px;font-size:13.5px;color:#cdd5df}
.section.light .pill{border-color:#dfe3ea;color:#33415a}

/* Responsive */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .stat-strip{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .cards.four{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  .menu,.nav-phone{display:none}
  .burger{display:block}
  .hero-grid{grid-template-columns:1fr;gap:42px}
  .split,.contact-grid{grid-template-columns:1fr;gap:36px}
  .split.flip .media{order:0}
  .loan-cards,.cards.two,.cards.three{grid-template-columns:1fr}
  .banner{padding:48px 30px}
}
@media(max-width:560px){
  .section{padding:64px 0}
  .stat-strip{grid-template-columns:1fr}
  .steps,.cards.four{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .banner-inner{flex-direction:column;align-items:flex-start}
  .hero{padding:72px 0 64px}
}