/* ===================================================================
   Easy As Loans — styles
   Brand: Purple #48206E · Grey #58595B (from brand identity guidelines)
   Type:  Mulish (web), Arial fallback. No gradients. Clean & sharp.
   =================================================================== */

:root {
  --purple: #48206e;
  --purple-dark: #371851;
  --purple-tint: #f5f2f9;
  --purple-line: #e6dff0;
  --grey: #58595b;
  --ink: #2c2c2f;
  --ink-strong: #1a1a1c;  /* near-black for editorial serif titles */
  --muted: #6c6c70;
  --white: #ffffff;
  --cream: #f2f2f4;       /* very light grey page tint */
  --cream-deep: #eaeaee;
  --mint: #2fa877;        /* fresh secondary accent */
  --mint-tint: #e6f4ed;
  --bg-alt: #f2f2f4;      /* very light grey alt-section background */
  --footer-bg: #1c1c20;   /* dark charcoal footer */
  --line: #e7e4ec;
  --border: #b6b6b6;     /* neutral hairline for form controls */
  --track: #d4d4d4;      /* neutral grey for bars/sliders */
  --hero-bg: #efeae0;    /* warm cream hero band */
  --radius: 5px;
  --maxw: 1140px;
  --pad: 24px;
  --font: "Mulish", Arial, "Helvetica Neue", Helvetica, sans-serif;
  --font-display: "Mulish", Arial, "Helvetica Neue", Helvetica, sans-serif;
}

/* ----------------------------- Reset ----------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; color: var(--ink); }
p { margin: 0; }
button { font-family: inherit; cursor: pointer; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 var(--pad); }

/* --------------------------- Typography -------------------------- */
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--purple);
  margin-bottom: 18px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.4vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink-strong);
}
.section-sub {
  margin-top: 14px;
  max-width: 60ch;
  color: var(--muted);
  font-size: 1.05rem;
}

/* ----------------------------- Buttons --------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  line-height: 1;
  padding: 13px 22px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
  white-space: nowrap;
}
.btn-lg { padding: 16px 28px; font-size: 1rem; }
.btn-block { width: 100%; }

.btn-primary { background: var(--purple); color: var(--white); border-color: var(--purple); }
.btn-primary:hover { background: var(--purple-dark); border-color: var(--purple-dark); }

.btn-ghost { background: transparent; color: var(--purple); border-color: var(--purple-line); }
.btn-ghost:hover { border-color: var(--purple); background: var(--purple-tint); }

.btn-light { background: var(--white); color: var(--purple); border-color: var(--white); }
.btn-light:hover { background: var(--purple-tint); border-color: var(--purple-tint); }

.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.55); }
.btn-outline-light:hover { border-color: var(--white); background: rgba(255,255,255,.08); }

/* ------------------------------ Logo ----------------------------- */
.logo { display: inline-flex; align-items: center; gap: 12px; }
/* Real logo image */
.logo-img { height: 54px; width: auto; display: block; }
.logo-img.is-reversed { filter: brightness(0) invert(1); }
.footer-brand .logo-img { height: 66px; margin-bottom: 4px; }
.logo-mark { width: 52px; height: auto; }
.logo-stroke {
  fill: none;
  stroke: var(--purple);
  stroke-width: 6;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.logo-words { display: flex; flex-direction: column; line-height: 1; }
.logo-easy {
  font-weight: 800;
  font-size: 1.7rem;
  letter-spacing: -0.02em;
  color: var(--purple);
}
.logo-loans {
  font-weight: 900;
  font-style: italic;
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  color: var(--grey);
  align-self: flex-end;
  margin-top: 1px;
}
/* Reversed (on purple) */
.logo-reversed .logo-stroke { stroke: var(--white); }
.logo-reversed .logo-easy { color: var(--white); }
.logo-reversed .logo-loans { color: rgba(255,255,255,.85); }

/* ----------------------------- Header ---------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: saturate(140%) blur(6px);
  border-bottom: 1px solid #cbc5d6;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 18px;
}
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-cta-mob { display: none; }
.header-phone { display: flex; flex-direction: column; text-align: right; line-height: 1.2; }
.header-phone-label { font-size: 0.72rem; color: var(--muted); letter-spacing: .02em; }
.header-phone-number { font-size: 1.15rem; font-weight: 800; color: var(--purple); }
.header-phone:hover .header-phone-number { color: var(--purple-dark); }

/* --------------------- Header on the hero band ------------------- */
.site-header--hero {
  background: var(--hero-bg);
  border-bottom-color: transparent;
  backdrop-filter: none;
}
.site-header--hero.is-stuck {
  background: rgba(255, 255, 255, 0.97);
  border-bottom-color: var(--line);
  backdrop-filter: saturate(140%) blur(6px);
}
.site-nav { display: flex; gap: 28px; }
.site-nav a { font-weight: 700; font-size: 0.95rem; color: var(--ink); }
.site-nav a:hover { color: var(--purple); }

/* ------------------------------ Hero ----------------------------- */
.hero {
  background: var(--white);
  padding: clamp(28px, 4vw, 52px) 0 clamp(56px, 8vw, 96px);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: clamp(32px, 5vw, 64px);
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5.4vw, 4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.05;
  color: var(--ink-strong);
}
.hero-prompt {
  display: flex; align-items: center; gap: 9px;
  margin-top: 30px;
  font-weight: 800; font-size: 1rem; color: var(--ink);
}
.prompt-ico { width: 26px; height: 26px; color: var(--purple); flex: 0 0 auto; }

/* Finance type cards */
.finance-cards {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px;
  margin-top: 14px;
}
.finance-cards--three { grid-template-columns: repeat(3, 1fr); }
/* Illustrated icon images */
.fcard-img { height: 58px; width: auto; max-width: 100%; object-fit: contain; }
.fcard {
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 14px;
  padding: 20px 14px; aspect-ratio: 1 / 1; min-width: 0;
  background: var(--white); border: 1px solid #cbc5d6; border-radius: 16px;
  box-shadow: 0 8px 22px rgba(44,32,64,.09);
  font-family: inherit; cursor: pointer; text-align: center;
  transition: box-shadow .16s ease, transform .16s ease;
}
.fcard:hover { box-shadow: 0 14px 30px rgba(44,32,64,.16); transform: translateY(-3px); }
.fcard-ico {
  display: inline-flex; align-items: center; justify-content: center;
  width: 50px; height: 50px; color: var(--purple);
}
.fcard-ico svg { width: 50px; height: 50px; }
.fcard-label { font-weight: 800; font-size: 0.95rem; color: var(--ink); margin-top: 0; }

/* Trust row */
.hero-trust {
  list-style: none; margin: 30px 0 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 12px 26px;
}
.hero-trust li { display: flex; align-items: center; gap: 9px; font-size: 0.92rem; font-weight: 600; color: var(--grey); }
.trust-ico { height: 22px; width: auto; color: var(--purple); flex: 0 0 auto; }

/* Figure: photo + purple square + accent rays */
.hero-media { display: flex; justify-content: flex-end; }
.hero-figure { position: relative; width: 100%; max-width: 500px; }
.hero-square {
  position: absolute; left: -22px; bottom: -22px;
  width: 62%; height: 70%; background: var(--purple); border-radius: 8px; z-index: 0;
}
.hero-rays { position: absolute; left: -34px; bottom: 18%; width: 60px; height: 70px; color: var(--purple); z-index: 2; }
.hero-img {
  position: relative; z-index: 1;
  width: 100%; aspect-ratio: 5 / 6; object-fit: cover;
  border-radius: 20px 20px 130px 130px;
}

/* ----------------------------- Reviews --------------------------- */
.reviews { padding: clamp(56px, 8vw, 90px) 0; background: var(--white); overflow: hidden; }
.reviews-head { margin-bottom: 44px; }
.reviews-head--center { text-align: center; max-width: 640px; margin-left: auto; margin-right: auto; }
.reviews-head--center .section-sub { margin-left: auto; margin-right: auto; }

/* Staggered wall of customer photos, scrolling infinitely left */
.wall-row { overflow: hidden; width: 100%; height: 560px; --card-w: 232px; }
.wall-track { display: flex; gap: 12px; width: max-content; align-items: center; height: 100%; animation: logos-left 48s linear infinite; }
.wall-col { display: flex; flex-direction: column; gap: 12px; flex: 0 0 auto; width: var(--card-w); }
.wall-card { width: var(--card-w); border-radius: 20px; overflow: hidden; box-shadow: 0 16px 34px rgba(44,32,64,.16); background: var(--purple-tint); }
.wall-card img { width: 100%; height: 100%; object-fit: cover; display: block; }
.wall-card--tall { height: 440px; }
.wall-card--short { height: 215px; }
/* vertical stagger per column */
.wall-col:nth-child(4n+1) { transform: translateY(-34px); }
.wall-col:nth-child(4n+2) { transform: translateY(38px); }
.wall-col:nth-child(4n+3) { transform: translateY(14px); }
.wall-col:nth-child(4n)   { transform: translateY(-22px); }

.reviews-cta { margin-top: 46px; display: flex; flex-direction: column; align-items: center; gap: 14px; text-align: center; }

.marquee {
  position: relative;
  width: 100%;
  overflow: hidden;
}
.marquee-track {
  display: flex;
  gap: 22px;
  width: max-content;
  animation: marquee-scroll 60s linear infinite;
}
@media (hover: hover) {
  .marquee:hover .marquee-track { animation-play-state: paused; }
}

@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

.review-card {
  margin: 0;
  width: 300px;
  height: 384px;
  flex: 0 0 auto;
  background: var(--white);
  border: none;
  border-radius: 16px;
  box-shadow: 0 14px 30px rgba(44, 32, 64, 0.12);
  overflow: hidden;
}
.review-photo { width: 100%; height: 100%; object-fit: cover; display: block; }

/* --------------------------- Why choose -------------------------- */
.why { padding: clamp(56px, 8vw, 96px) 0; }
.why-grid {
  margin-top: 44px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.why-item { background: var(--white); padding: 30px 28px; }
.why-heading {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--purple);
  margin-bottom: 10px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--purple-line);
}
.why-item p { color: var(--grey); font-size: 0.97rem; }

/* ----------------------------- Process --------------------------- */
.process { padding: clamp(56px, 8vw, 96px) 0; background: var(--bg-alt); }
.process-steps {
  list-style: none;
  margin: 44px 0 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.process-step { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; }
.process-num {
  display: inline-block;
  font-size: 1.4rem;
  font-weight: 900;
  font-style: italic;
  color: var(--purple);
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.process-heading { font-size: 1.1rem; font-weight: 800; color: var(--ink); margin-bottom: 8px; }
.process-step p { color: var(--grey); font-size: 0.95rem; }

/* --------------------- Hero lede + numbered steps ---------------- */
.hero-lede { margin-top: 18px; max-width: 46ch; font-size: 1.1rem; line-height: 1.6; color: var(--grey); }

.steps { padding: clamp(56px, 8vw, 96px) 0; background: var(--white); }
.steps-head { text-align: center; max-width: 640px; margin: 0 auto; }
.steps-head .section-sub { margin: 14px auto 0; }
.steps-layout { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 60px); align-items: center; margin-top: 46px; }
.steps-media img { width: 100%; height: auto; }
.steps-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr; gap: 30px; }
.step { display: grid; grid-template-columns: 60px 1fr; gap: 18px; align-items: start; text-align: left; }
.step-ico { color: var(--purple); }
.step-ico svg, .step-ico img { height: 56px; width: 56px; object-fit: contain; aspect-ratio: 1 / 1; display: block; }
.step-h { font-size: 1.05rem; font-weight: 400; color: var(--ink); line-height: 1.5; }
.step-n { color: var(--purple); font-weight: 800; margin-right: 5px; }
.steps-cta { margin-top: 50px; display: flex; flex-direction: column; align-items: center; gap: 10px; }
.steps-cta-note { font-size: 0.9rem; color: var(--muted); font-style: italic; font-weight: 400; }

/* ---------------------------- Lender wall ------------------------ */
.lenders { background: var(--white); padding: clamp(44px, 6vw, 70px) 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); overflow: hidden; }
.lenders-kicker { text-align: center; font-weight: 700; font-size: 1rem; color: var(--muted); margin-bottom: 34px; }
.logo-rows { display: flex; flex-direction: column; gap: 18px; }
.logo-row { overflow: hidden; width: 100%; }
.logo-track { display: flex; width: max-content; align-items: center; }
.logo-track--left { animation: logos-left 42s linear infinite; }
.logo-track--right { animation: logos-right 42s linear infinite; }
@keyframes logos-left { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@keyframes logos-right { from { transform: translateX(-50%); } to { transform: translateX(0); } }
.logo-cell { flex: 0 0 auto; display: flex; align-items: center; justify-content: center; height: 54px; padding: 0 clamp(20px, 3vw, 42px); }
.logo-cell img { height: 34px; width: auto; max-width: 150px; object-fit: contain; }
.lenders-title { text-align: center; margin-bottom: 12px; }
.lenders-sub { text-align: center; max-width: 52ch; margin: 0 auto 36px; font-weight: 400; color: var(--muted); font-size: 1.05rem; line-height: 1.6; }
.lenders-cta { margin-top: 40px; display: flex; flex-direction: column; align-items: center; gap: 14px; text-align: center; }
.lenders-cta-note { font-style: italic; font-weight: 400; color: var(--muted); font-size: 0.95rem; }
.lenders-btn { border-radius: 999px; padding: 15px 34px; }

/* ------------------------ Problem / solution --------------------- */
.contrast { padding: clamp(56px, 8vw, 96px) 0; background: var(--white); }
.contrast-head { text-align: center; max-width: 640px; margin: 0 auto; }
.contrast-head .section-sub { margin-left: auto; margin-right: auto; }
.contrast-grid { margin-top: 46px; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.contrast-col { border-radius: 12px; padding: 34px 32px; border: 1px solid var(--line); }
.contrast-old { background: var(--cream); }
.contrast-new { background: var(--purple); border-color: var(--purple); }
.contrast-tag {
  display: inline-block; font-weight: 800; font-size: 0.72rem; letter-spacing: .12em;
  text-transform: uppercase; padding: 7px 13px; border-radius: 999px; margin-bottom: 24px;
}
.contrast-tag-old { background: #e8e1d5; color: var(--muted); }
.contrast-tag-new { background: rgba(255,255,255,.16); color: #fff; }
.contrast-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 17px; }
.contrast-list li { position: relative; padding-left: 34px; font-size: 1.02rem; line-height: 1.5; }
.contrast-old .contrast-list li { color: var(--grey); }
.contrast-new .contrast-list li { color: rgba(255,255,255,.92); }
.contrast-list li::before {
  position: absolute; left: 0; top: 0; width: 22px; height: 22px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 900;
}
.contrast-old .contrast-list li::before { content: "\2715"; background: #e2d6d6; color: #a4595e; }
.contrast-new .contrast-list li::before { content: "\2713"; background: rgba(123,224,176,.22); color: #7be0b0; }

/* ----------------------------- Calculator ------------------------ */
.calc { padding: clamp(56px, 8vw, 96px) 0; background: var(--bg-alt); }
.calc-head { text-align: center; max-width: 660px; margin: 0 auto; }
.calc-head .section-sub { margin: 14px auto 0; }
.calc-card {
  margin-top: 46px; display: grid; grid-template-columns: 1.2fr 1fr;
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  overflow: hidden; box-shadow: 0 20px 54px rgba(44,32,64,.09);
}
.calc-controls { padding: clamp(28px, 4vw, 44px); display: flex; flex-direction: column; gap: 30px; }
.calc-field { display: flex; flex-direction: column; }
.calc-label-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 14px; gap: 12px; }
.calc-label-row label, .calc-label { font-weight: 800; font-size: 0.98rem; color: var(--ink); }
.calc-muted { color: var(--muted); font-weight: 600; }
.calc-out { font-family: var(--font-display); font-size: 1.4rem; font-weight: 800; color: var(--purple); white-space: nowrap; }
.calc-slider {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px;
  border-radius: 999px; background: var(--track); outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: var(--purple); cursor: pointer; border: 3px solid #fff; box-shadow: 0 2px 7px rgba(0,0,0,.22);
}
.calc-slider::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--purple); cursor: pointer; border: 3px solid #fff; box-shadow: 0 2px 7px rgba(0,0,0,.22);
}
.calc-ends { display: flex; justify-content: space-between; margin-top: 10px; font-size: 0.8rem; color: var(--muted); font-weight: 600; }
.calc-freq { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 2px; }
.calc-freq-btn {
  padding: 12px 8px; border: 1px solid var(--border); background: #fff; border-radius: 8px;
  font-family: inherit; font-weight: 700; font-size: 0.9rem; color: var(--ink); cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
.calc-freq-btn:hover { border-color: var(--purple); }
.calc-freq-btn.is-active { background: var(--purple); border-color: var(--purple); color: #fff; }
.calc-result {
  background: var(--purple); color: #fff; padding: clamp(30px, 4vw, 44px);
  display: flex; flex-direction: column; justify-content: center; text-align: center;
}
.calc-result-label { font-size: 0.95rem; color: rgba(255,255,255,.82); font-weight: 700; }
.calc-result-num { font-family: var(--font-display); font-size: clamp(2.9rem, 6vw, 4rem); font-weight: 800; letter-spacing: -0.02em; line-height: 1; margin: 12px 0 8px; }
.calc-result-sub { font-size: 0.9rem; color: rgba(255,255,255,.82); }
.calc-result .btn { margin-top: 26px; }
.calc-result .btn-primary { background: #fff; color: var(--purple); border-color: #fff; }
.calc-result .btn-primary:hover { background: var(--purple-tint); border-color: var(--purple-tint); }
.calc-disclaimer { margin-top: 16px; font-size: 0.75rem; color: rgba(255,255,255,.64); line-height: 1.5; }

/* ------------------------------- FAQ ----------------------------- */
.faq { padding: clamp(48px, 7vw, 90px) 0; background: var(--bg-alt); }
.faq-inner {
  max-width: 940px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: clamp(26px, 4vw, 54px);
  box-shadow: 0 14px 40px rgba(44,32,64,.06);
}
.faq .section-title { margin-bottom: 8px; }
.faq-list { margin-top: 26px; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 48px 24px 0;
  position: relative;
  font-weight: 800;
  font-size: 1.08rem;
  color: var(--ink-strong);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.7rem;
  font-weight: 300;
  color: var(--purple);
  line-height: 1;
}
.faq-item[open] summary::after { content: "–"; }
.faq-body { padding: 0 48px 26px 0; }
.faq-body p { color: var(--grey); }

/* ---------------------------- CTA band --------------------------- */
.cta-band { background: var(--purple); color: var(--white); padding: clamp(52px, 7vw, 84px) 0; }
.cta-inner { max-width: 720px; }
.cta-title { font-family: var(--font-display); font-size: clamp(1.8rem, 3.4vw, 2.5rem); font-weight: 800; letter-spacing: -0.02em; color: var(--white); }
.cta-text { margin-top: 12px; color: rgba(255,255,255,.85); font-size: 1.05rem; }
.cta-actions { margin-top: 28px; display: flex; flex-wrap: wrap; gap: 14px; }

/* ----------------------------- Footer ---------------------------- */
.site-footer { background: var(--footer-bg); color: rgba(255,255,255,.72); }
.footer-inner {
  display: grid;
  grid-template-columns: 1.9fr 1fr 1fr 1fr;
  gap: 40px;
  padding-top: 68px;
  padding-bottom: 52px;
}
.footer-tag { margin-top: 18px; max-width: 34ch; color: rgba(255,255,255,.6); font-size: 0.95rem; line-height: 1.6; }
.footer-contact { display: flex; flex-direction: column; gap: 8px; margin-top: 26px; }
.footer-contact a { color: rgba(255,255,255,.85); transition: color .15s ease; }
.footer-contact a:hover { color: var(--white); }
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-h { font-size: 0.92rem; letter-spacing: 0; color: var(--white); font-weight: 800; margin-bottom: 8px; }
.footer-col a { color: rgba(255,255,255,.8); transition: color .15s ease; }
.footer-col a:hover { color: var(--white); }
.footer-static { color: rgba(255,255,255,.6); }

.footer-legal { border-top: 1px solid rgba(255,255,255,.12); padding: 26px 0 40px; }
.footer-licence { font-weight: 700; color: var(--white); font-size: 0.92rem; }
.footer-disclaimer { margin-top: 10px; font-size: 0.82rem; color: rgba(255,255,255,.6); max-width: 90ch; }
.footer-copy { margin-top: 14px; font-size: 0.82rem; color: rgba(255,255,255,.6); }

/* ------------------------------ Modal ---------------------------- */
.modal { position: fixed; inset: 0; z-index: 100; display: flex; align-items: center; justify-content: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal-overlay { position: absolute; inset: 0; background: rgba(28, 16, 44, .55); }
.modal-panel {
  position: relative;
  width: 100%;
  max-width: 560px;
  max-height: calc(100vh - 40px);
  overflow-y: auto;
  background: var(--white);
  border: 1px solid #999;
  border-radius: 3px;
  padding: 40px;
  box-shadow: 0 6px 22px rgba(0,0,0,.18);
}
.modal-close {
  position: absolute; top: 12px; right: 14px;
  width: 36px; height: 36px;
  border: none; background: transparent;
  font-size: 1.9rem; line-height: 1; color: var(--muted);
}
.modal-close:hover { color: var(--purple); }
.modal .btn { border-radius: 2px; }
.modal-title { font-size: 1.6rem; font-weight: 800; color: var(--purple); }
.modal-sub { margin-top: 10px; color: var(--grey); font-size: 0.98rem; }
.modal-sub a { color: var(--purple); font-weight: 700; }

/* ------------------------------- Form ---------------------------- */
.finance-form { margin-top: 24px; display: flex; flex-direction: column; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label { font-size: 0.85rem; font-weight: 700; color: var(--ink); }
.req { color: var(--purple); }
.field input, .field select, .field textarea {
  font-family: inherit;
  font-size: 0.98rem;
  color: var(--ink);
  padding: 11px 12px;
  border: 1px solid var(--border);
  border-radius: 2px;
  background: var(--white);
  width: 100%;
}
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--purple);
}
.field input.invalid, .field select.invalid, .field textarea.invalid { border-color: #c0392b; }
.field-check { display: flex; align-items: flex-start; gap: 10px; font-size: 0.9rem; color: var(--grey); }
.field-check input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--purple); flex: 0 0 auto; }
.form-foot { font-size: 0.82rem; color: var(--muted); text-align: center; }
.form-error { color: #c0392b; font-size: 0.88rem; font-weight: 700; text-align: center; }

/* ----------------------- Multi-step lead form -------------------- */
.form-top { display: flex; align-items: center; justify-content: space-between; min-height: 28px; margin-bottom: 12px; }
.form-back {
  border: none; background: transparent; padding: 4px 8px 4px 0;
  font-family: inherit; font-weight: 700; font-size: 0.9rem; color: var(--purple);
}
.form-back:hover { color: var(--purple-dark); }
.form-step-label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.04em; color: var(--muted); text-transform: uppercase; }

.form-progress { height: 4px; background: var(--track); margin-bottom: 28px; }
.form-progress-bar { height: 100%; width: 16%; background: var(--purple); }

.form-step { display: none; }
.form-step.is-active { display: block; }

.step-title { font-size: 1.35rem; font-weight: 800; color: var(--purple); line-height: 1.25; }
.step-sub { margin-top: 8px; color: var(--grey); font-size: 0.96rem; }
.step-actions { margin-top: 24px; }

/* Square options with icons (step 1) */
.opt-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 24px; }
.opt {
  aspect-ratio: 1 / 1;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 16px;
  background: var(--white); border: 1px solid var(--border); border-radius: 2px;
  font-family: inherit; cursor: pointer;
}
.opt:hover { border-color: #6e6e6e; }
.opt.is-selected { background: var(--purple); border-color: var(--purple); }
.opt-icon { width: 56px; height: 56px; color: var(--purple); }
.opt.is-selected .opt-icon { color: var(--white); }
.opt-label { font-weight: 800; font-size: 1.2rem; color: var(--ink); }
.opt.is-selected .opt-label { color: var(--white); }

/* Choice cards (loan type, use) */
.choice-grid { display: grid; gap: 12px; margin-top: 24px; }
.choice-grid.two { grid-template-columns: 1fr 1fr; }
.choice {
  display: flex; flex-direction: column; gap: 5px; text-align: left;
  padding: 18px 18px; min-height: 104px;
  background: var(--white); border: 1px solid var(--border); border-radius: 2px;
  font-family: inherit; cursor: pointer;
}
.choice:hover { border-color: #6e6e6e; }
.choice.is-selected { border-color: var(--purple); background: var(--purple); }
.choice.is-selected .choice-title { color: var(--white); }
.choice.is-selected .choice-desc { color: rgba(255,255,255,.82); }
.choice-title { font-weight: 800; font-size: 1.05rem; color: var(--ink); }
.choice-desc { font-size: 0.88rem; color: var(--muted); }

/* Chips (term, state) */
.chip-grid { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 24px; }
.chip-grid.states { display: grid; grid-template-columns: repeat(4, 1fr); }
.chip {
  padding: 11px 16px; background: var(--white); border: 1px solid var(--border);
  border-radius: 2px; font-family: inherit; font-weight: 700; font-size: 0.95rem;
  color: var(--ink); cursor: pointer;
}
.chip:hover { border-color: #6e6e6e; }
.chip.is-selected { border-color: var(--purple); background: var(--purple); color: var(--white); }

/* Slider (amount, year) */
.slider-value { margin-top: 24px; text-align: center; font-size: 1.8rem; font-weight: 800; color: var(--purple); }
.slider { -webkit-appearance: none; appearance: none; width: 100%; height: 5px; margin-top: 18px; border-radius: 0; background: var(--track); outline: none; }
.slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 18px; height: 18px; border-radius: 2px; background: var(--purple); cursor: pointer; border: 1px solid var(--purple-dark); }
.slider::-moz-range-thumb { width: 18px; height: 18px; border-radius: 2px; background: var(--purple); cursor: pointer; border: 1px solid var(--purple-dark); }
.slider-ends { display: flex; justify-content: space-between; margin-top: 12px; font-size: 0.8rem; color: var(--muted); font-weight: 600; }

/* --------------------------- Form success ------------------------ */
.modal-success { text-align: center; padding: 16px 0; }
.success-tick { width: 64px; height: 64px; margin: 0 auto 18px; }
.success-tick svg { width: 100%; height: 100%; }
.success-tick .logo-stroke { stroke: var(--purple); stroke-width: 5; }
.modal-success .btn { margin-top: 22px; }

/* --------------------------- Legal pages ------------------------- */
.legal { padding: clamp(48px, 7vw, 80px) 0; }
.legal-inner { max-width: 760px; }
.legal h1 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--purple); }
.legal .legal-updated { margin-top: 10px; color: var(--muted); font-size: 0.9rem; }
.legal .legal-note {
  margin: 26px 0;
  padding: 16px 20px;
  background: var(--purple-tint);
  border-left: 3px solid var(--purple);
  border-radius: 0 var(--radius) var(--radius) 0;
  color: var(--grey);
  font-size: 0.95rem;
}
.legal h2 { font-size: 1.25rem; font-weight: 800; color: var(--purple); margin: 36px 0 10px; }
.legal p { color: var(--grey); margin-bottom: 14px; }
.legal a.back-link { display: inline-block; margin-top: 30px; font-weight: 700; color: var(--purple); }

/* --------------------------- Accessibility ----------------------- */
:focus-visible { outline: 3px solid var(--purple); outline-offset: 2px; border-radius: 3px; }
.body-lock { overflow: hidden; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .marquee-track, .logo-track, .river-track { animation: none; }
}

/* ---------------------------- Responsive ------------------------- */
@media (max-width: 900px) {
  .site-nav { display: none; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-media { justify-content: center; }
  .hero-figure { max-width: 440px; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .contrast-grid { grid-template-columns: 1fr; }
  .calc-card { grid-template-columns: 1fr; }
  .steps-layout { grid-template-columns: 1fr; gap: 34px; }
  .steps-media { max-width: 440px; margin: 0 auto; }
}
@media (max-width: 640px) {
  .header-phone-label { display: none; }
  .header-actions { gap: 12px; }
  .header-phone-number { font-size: 1rem; }
  .header-cta-desk { display: none; }
  .header-cta-mob { display: inline-flex; padding: 10px 15px; font-size: 0.9rem; }
  .site-header .logo-img { height: 44px; }
  .footer-brand .logo-img { height: 56px; }
  .why-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .field-row { grid-template-columns: 1fr; }
  .modal-panel { padding: 28px 22px; }
  .cta-actions .btn { width: 100%; }
  .choice-grid.two { grid-template-columns: 1fr; }
  .choice { min-height: 0; padding: 18px; }
  .step-title { font-size: 1.25rem; }
  .slider-value { font-size: 1.9rem; }
  .finance-cards, .finance-cards--three { grid-template-columns: 1fr; gap: 12px; }
  .fcard {
    aspect-ratio: auto; flex-direction: row; align-items: center; justify-content: flex-start;
    gap: 18px; text-align: left; padding: 16px 20px;
  }
  .fcard-img { height: 46px; }
  .fcard-label { font-size: 1.05rem; }
  .hero-trust { flex-direction: column; gap: 12px; }
  .steps-grid { gap: 24px; }
  .step { grid-template-columns: 50px 1fr; gap: 15px; }
  .step-ico svg, .step-ico img { width: 48px; height: 48px; }
  .step-h { font-size: 1.02rem; }
  .logo-track--left { animation-duration: 24s; }
  .logo-track--right { animation-duration: 24s; }
  .logo-cell { height: 46px; padding: 0 22px; }
  .logo-cell img { height: 28px; max-width: 120px; }
  .wall-row { height: 400px; --card-w: 168px; }
  .wall-track { gap: 10px; animation-duration: 34s; }
  .wall-col { gap: 10px; }
  .wall-card { border-radius: 16px; }
  .wall-card--tall { height: 314px; }
  .wall-card--short { height: 152px; }
  .wall-col:nth-child(4n+1) { transform: translateY(-22px); }
  .wall-col:nth-child(4n+2) { transform: translateY(26px); }
  .wall-col:nth-child(4n+3) { transform: translateY(10px); }
  .wall-col:nth-child(4n)   { transform: translateY(-14px); }
  .calc-freq { grid-template-columns: 1fr; }
}
@media (max-width: 380px) {
  .header-phone-number { font-size: 0.92rem; }
  .header-cta-mob { padding: 9px 12px; font-size: 0.85rem; }
}