:root {
  --yellow: #ffe02e;
  --yellow-bright: #ffed3e;
  --yellow-deep: #fbac00;
  --black: #16161b;
  --ink: #222;
  --muted: #666;
  --red: #ff0403;
  --leaf: #98d34f;
  --paper: #fffbed;
  --line: #efe1a4;
  --shadow: 0 24px 70px rgba(34, 26, 0, 0.18);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select {
  font: inherit;
}

img,
svg {
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
  padding: 10px clamp(18px, 5vw, 72px);
  padding-left: max(18px, env(safe-area-inset-left));
  padding-right: max(18px, env(safe-area-inset-right));
  background: rgba(255, 251, 237, 0.92);
  border-bottom: 1px solid rgba(34, 34, 34, 0.08);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 900;
  font-style: italic;
  letter-spacing: 0.03em;
  min-width: 0;
  white-space: nowrap;
}

.brand-logo {
  display: block;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  object-fit: cover;
  object-position: center;
  box-shadow: 0 8px 20px rgba(34, 26, 0, 0.08);
  flex: 0 0 auto;
}

.footer-logo {
  width: 52px;
  height: 52px;
  border-radius: 15px;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  color: var(--yellow-deep);
  background:
    radial-gradient(circle at 34% 44%, #fff8a8 0 28%, #ffce00 29% 39%, transparent 40%),
    linear-gradient(135deg, var(--yellow), var(--yellow-bright));
  box-shadow: 0 8px 18px rgba(251, 172, 0, 0.34);
}

nav {
  justify-self: end;
  display: flex;
  gap: 28px;
  font-weight: 800;
  min-width: 0;
}

.primary-button,
.lead-form button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 56px;
  padding: 0 28px;
  border: 0;
  border-radius: 12px;
  color: #fff;
  background: linear-gradient(135deg, #2b225f 0%, #6b35d4 52%, #9b5cff 100%);
  box-shadow: 0 16px 34px rgba(88, 47, 178, 0.34);
  font-weight: 900;
  cursor: pointer;
  white-space: nowrap;
}

.primary-button {
  border: 1px solid rgba(255, 255, 255, 0.24);
}

.language-select {
  justify-self: end;
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-height: 48px;
  padding: 0 38px 0 18px;
  border: 1px solid rgba(34, 34, 34, 0.12);
  border-radius: 12px;
  color: var(--ink);
  background: rgba(255, 255, 255, 0.72);
  box-shadow: 0 12px 26px rgba(34, 26, 0, 0.1);
}

.language-icon {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 999px;
  color: #fff;
  background: linear-gradient(135deg, #2b225f 0%, #6b35d4 58%, #ffd52f 140%);
  box-shadow: 0 8px 18px rgba(88, 47, 178, 0.22);
}

.language-icon svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.language-select::after {
  content: "";
  position: absolute;
  right: 15px;
  width: 8px;
  height: 8px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  pointer-events: none;
}

.language-select select {
  min-width: 84px;
  border: 0;
  color: inherit;
  background: transparent;
  appearance: none;
  font-weight: 900;
  outline: none;
  cursor: pointer;
}

.app-store-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 56px;
  padding: 7px 20px 7px 18px;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 12px;
  color: #fff;
  background: #000;
  font-weight: 900;
  white-space: nowrap;
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.22);
}

.app-store-button svg {
  width: 27px;
  height: 27px;
  fill: currentColor;
  flex: 0 0 auto;
}

.app-store-button span {
  display: grid;
  gap: 1px;
  line-height: 1;
  text-align: left;
}

.app-store-button small {
  font-size: 0.66rem;
  font-weight: 700;
  opacity: 0.88;
}

.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 430px);
  align-items: center;
  gap: clamp(30px, 7vw, 100px);
  min-height: 82vh;
  padding: clamp(70px, 10vw, 120px) clamp(18px, 6vw, 90px);
  background:
    radial-gradient(circle at 88% 18%, rgba(152, 211, 79, 0.42), transparent 18rem),
    linear-gradient(135deg, var(--yellow), #fff7a2);
}

.hero::before {
  content: "";
  position: absolute;
  z-index: -2;
  inset: 0 0 0 auto;
  width: min(54vw, 900px);
  background:
    linear-gradient(90deg, rgba(255, 224, 46, 0.9) 0%, rgba(255, 224, 46, 0.38) 38%, rgba(255, 224, 46, 0.12) 100%),
    url("assets/nigerian-woman-phone.jpg") center right / cover no-repeat;
  opacity: 0.68;
}

.hero::after {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(255, 224, 46, 0.98) 0%, rgba(255, 224, 46, 0.9) 42%, rgba(255, 224, 46, 0.55) 73%, rgba(255, 247, 162, 0.3) 100%),
    radial-gradient(circle at 90% 18%, rgba(152, 211, 79, 0.24), transparent 19rem);
  pointer-events: none;
}

.coin-rain {
  position: absolute;
  z-index: 0;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.coin-rain span {
  position: absolute;
  top: -72px;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 999px;
  background:
    radial-gradient(circle at 34% 30%, rgba(255, 255, 255, 0.8), transparent 24%),
    linear-gradient(145deg, #fff07a 0%, #ffd52f 48%, #b88419 100%);
  box-shadow: inset 0 0 0 3px rgba(184, 132, 25, 0.22), 0 12px 28px rgba(184, 132, 25, 0.18);
  opacity: 0.42;
  animation: coin-fall 9s linear infinite;
}

.coin-rain span::after {
  content: "₦";
  color: rgba(86, 58, 9, 0.72);
  font-size: 1rem;
  font-weight: 900;
}

.coin-rain span:nth-child(1) {
  left: 8%;
  animation-delay: -1s;
  animation-duration: 10s;
}

.coin-rain span:nth-child(2) {
  left: 27%;
  width: 26px;
  height: 26px;
  animation-delay: -5s;
  animation-duration: 12s;
}

.coin-rain span:nth-child(3) {
  left: 48%;
  animation-delay: -3s;
  animation-duration: 9s;
}

.coin-rain span:nth-child(4) {
  left: 66%;
  width: 28px;
  height: 28px;
  animation-delay: -7s;
  animation-duration: 11s;
}

.coin-rain span:nth-child(5) {
  left: 82%;
  width: 38px;
  height: 38px;
  animation-delay: -2s;
  animation-duration: 13s;
}

.coin-rain span:nth-child(6) {
  left: 93%;
  width: 24px;
  height: 24px;
  animation-delay: -6s;
  animation-duration: 10.5s;
}

@keyframes coin-fall {
  0% {
    transform: translate3d(0, -80px, 0) rotate(0deg) scale(0.92);
  }

  50% {
    transform: translate3d(18px, 45vh, 0) rotate(180deg) scale(1);
  }

  100% {
    transform: translate3d(-12px, 105vh, 0) rotate(360deg) scale(0.92);
  }
}

@media (prefers-reduced-motion: reduce) {
  .coin-rain span {
    animation: none;
    opacity: 0.18;
  }
}

.hero-copy,
.hero-card,
.calculator,
.apply > div,
.lead-form {
  min-width: 0;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--red);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 820px;
  margin-bottom: 22px;
  font-size: clamp(2.8rem, 6.2vw, 5.6rem);
  line-height: 0.98;
  text-shadow: 0 3px 0 rgba(255, 255, 255, 0.7);
  overflow-wrap: anywhere;
}

h2 {
  max-width: 760px;
  font-size: clamp(2rem, 5vw, 4.2rem);
  line-height: 1;
  overflow-wrap: anywhere;
}

.hero-copy p,
.muted,
.cards p,
.steps p,
.faq-panel {
  color: var(--muted);
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: stretch;
  gap: 14px;
  margin-top: 28px;
}

.hero-card {
  position: relative;
  overflow: hidden;
  aspect-ratio: 1.72 / 1;
  padding: 34px 38px;
  border: 4px solid #fff;
  border-radius: 26px;
  background:
    radial-gradient(circle at 90% 12%, rgba(255, 224, 46, 0.24), transparent 11rem),
    radial-gradient(circle at 8% 100%, rgba(107, 53, 212, 0.18), transparent 12rem),
    linear-gradient(135deg, #2b2d33 0%, #242733 48%, #191b20 100%);
  box-shadow: 0 30px 78px rgba(22, 22, 27, 0.22);
  color: #fff;
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: -1px;
  background: linear-gradient(120deg, rgba(255, 255, 255, 0.2), transparent 34%, rgba(214, 255, 225, 0.08) 68%, transparent);
  pointer-events: none;
}

.hero-card::after {
  content: "";
  position: absolute;
  right: -70px;
  bottom: -80px;
  width: 220px;
  height: 220px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 999px;
}

.card-topline,
.card-chip,
.card-label,
.hero-card strong {
  position: relative;
  z-index: 1;
}

.card-topline {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 22px;
}

.card-topline span {
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.card-topline i {
  width: 42px;
  height: 26px;
  border-radius: 999px;
  background:
    radial-gradient(circle at 34% 50%, rgba(255, 224, 46, 0.95) 0 34%, transparent 35%),
    radial-gradient(circle at 66% 50%, rgba(155, 92, 255, 0.9) 0 34%, transparent 35%);
  opacity: 0.95;
}

.card-chip {
  width: 54px;
  height: 40px;
  margin-bottom: 12px;
  border-radius: 10px;
  background:
    linear-gradient(90deg, transparent 46%, rgba(86, 58, 9, 0.36) 47% 53%, transparent 54%),
    linear-gradient(180deg, transparent 46%, rgba(86, 58, 9, 0.28) 47% 53%, transparent 54%),
    linear-gradient(135deg, #ffe772, #b88419);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.22);
}

.card-label {
  display: inline-flex;
  color: var(--yellow);
  font-weight: 900;
}

.hero-card strong {
  display: block;
  margin: 12px 0 14px;
  color: #f8d45a;
  background: linear-gradient(180deg, #fff4a6 0%, #ffd52f 45%, #c99318 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  font-family: "SF Pro Display", "Segoe UI", Inter, ui-sans-serif, system-ui, sans-serif;
  font-size: clamp(2rem, 4.15vw, 3.45rem);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.01em;
  line-height: 1;
  text-shadow: 0 10px 28px rgba(255, 213, 47, 0.18);
  white-space: nowrap;
  overflow-wrap: normal;
}

.stats,
.grid {
  display: grid;
  gap: 18px;
}

.stats {
  grid-template-columns: repeat(3, 1fr);
  padding: 0 clamp(18px, 6vw, 90px);
  transform: translateY(-34px);
}

.stats div,
.cards article,
.steps article,
.calculator,
.faq-item,
.faq-panel {
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fffefa;
}

.stats div {
  display: grid;
  gap: 8px;
  padding: 22px;
  box-shadow: 0 12px 28px rgba(34, 26, 0, 0.08);
  transform: translateY(0) scale(1);
  transform-origin: center;
  transition: transform 220ms ease, box-shadow 220ms ease, border-color 220ms ease;
}

.stats div:hover {
  border-color: rgba(251, 172, 0, 0.7);
  box-shadow: 0 22px 48px rgba(34, 26, 0, 0.16);
  transform: translateY(-8px) scale(1.035);
}

.stat-icon {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 10px;
  border-radius: 14px;
  color: #000;
  background:
    radial-gradient(circle at 32% 28%, rgba(255, 255, 255, 0.86), transparent 34%),
    linear-gradient(139deg, var(--yellow-bright), var(--yellow));
  box-shadow: 0 10px 22px rgba(251, 172, 0, 0.28);
  transition: transform 220ms ease;
}

.stats div:hover .stat-icon {
  transform: scale(1.08) rotate(-3deg);
}

.stat-icon svg {
  width: 27px;
  height: 27px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.stats strong {
  font-size: 2rem;
}

.stats span {
  color: var(--muted);
}

.regulatory-banner {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: center;
  gap: 18px;
  margin: -14px clamp(18px, 6vw, 90px) 0;
  padding: clamp(18px, 3vw, 28px);
  border: 1px solid rgba(32, 139, 90, 0.22);
  border-radius: 18px;
  background:
    radial-gradient(circle at 12% 20%, rgba(255, 224, 46, 0.18), transparent 14rem),
    linear-gradient(135deg, #f7fff6 0%, #fffefa 58%, #f2f8e6 100%);
  box-shadow: 0 24px 58px rgba(34, 26, 0, 0.08);
}

.regulatory-banner .eyebrow {
  margin-bottom: 4px;
  color: #208b5a;
}

.regulatory-banner h2 {
  margin: 0;
  font-size: clamp(1.55rem, 2.45vw, 2.35rem);
  line-height: 1.04;
  white-space: nowrap;
}

.regulatory-banner p:last-child {
  max-width: 920px;
  margin: 8px 0 0;
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.5;
}

.regulatory-logo {
  width: clamp(58px, 5.5vw, 74px);
  height: clamp(58px, 5.5vw, 74px);
  border-radius: 999px;
  object-fit: contain;
  background: rgba(255, 255, 255, 0.82);
  box-shadow: 0 12px 28px rgba(32, 139, 90, 0.12);
}

.section {
  padding: clamp(52px, 7vw, 86px) clamp(18px, 6vw, 90px);
}

.products-section {
  padding-top: clamp(34px, 5vw, 58px);
}

.section-heading {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  margin-bottom: 24px;
}

.section-heading h2 {
  max-width: none;
  font-size: clamp(2.2rem, 3.7vw, 3.7rem);
  line-height: 1.02;
  white-space: nowrap;
}

.section-heading p:not(.eyebrow) {
  max-width: 520px;
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.55;
  margin-bottom: 4px;
}

.cards {
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.cards article,
.steps article {
  padding: 28px;
}

.cards article {
  position: relative;
  overflow: hidden;
  min-height: 260px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  border: 1px solid rgba(239, 225, 164, 0.9);
  background:
    radial-gradient(circle at 100% 0%, rgba(255, 224, 46, 0.28), transparent 12rem),
    linear-gradient(180deg, #fffefa 0%, #fff8d5 100%);
  box-shadow: 0 18px 42px rgba(34, 26, 0, 0.08);
}

.cards article::after {
  content: "";
  position: absolute;
  right: -42px;
  bottom: -42px;
  width: 130px;
  height: 130px;
  border-radius: 999px;
  background: rgba(255, 224, 46, 0.24);
}

.card-icon {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: #000;
  background: linear-gradient(139deg, var(--yellow-bright), var(--yellow));
  box-shadow: 0 12px 26px rgba(251, 172, 0, 0.25);
}

.card-icon svg {
  width: 29px;
  height: 29px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.card-kicker {
  position: relative;
  z-index: 1;
  display: inline-flex;
  margin-bottom: 10px;
  color: #8a681d;
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.cards h3,
.cards p {
  position: relative;
  z-index: 1;
}

.cards h3 {
  margin-bottom: 12px;
}

.cards .featured {
  color: #fff;
  background:
    radial-gradient(circle at 100% 0%, rgba(155, 92, 255, 0.38), transparent 13rem),
    linear-gradient(135deg, #16161b 0%, #2b225f 100%);
  border-color: var(--black);
  box-shadow: var(--shadow);
}

.cards .featured .card-icon {
  color: #000;
  background: #fff;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.18);
}

.cards .featured .card-kicker {
  color: var(--yellow);
}

.cards .featured p {
  color: rgba(255, 255, 255, 0.76);
}

.process {
  background:
    radial-gradient(circle at 10% 18%, rgba(155, 92, 255, 0.16), transparent 22rem),
    linear-gradient(135deg, #fff7b8 0%, #f7f0db 100%);
}

.process-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.68fr) minmax(420px, 1fr);
  align-items: center;
  gap: clamp(34px, 6vw, 82px);
}

.process-media {
  position: relative;
  min-height: 520px;
  max-width: 620px;
  overflow: hidden;
  border-radius: 22px;
  background: var(--black);
  box-shadow: 0 30px 80px rgba(34, 26, 0, 0.22);
}

.process-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(22, 22, 27, 0) 40%, rgba(22, 22, 27, 0.72) 100%),
    radial-gradient(circle at 85% 12%, rgba(255, 224, 46, 0.2), transparent 16rem);
}

.process-media img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  display: block;
  object-fit: cover;
  object-position: 52% 28%;
}

.process-badge {
  position: absolute;
  z-index: 1;
  left: 24px;
  right: 24px;
  bottom: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 16px;
  color: #fff;
  background: rgba(22, 22, 27, 0.74);
  backdrop-filter: blur(16px);
}

.process-badge strong {
  color: var(--yellow);
  font-size: 1.6rem;
  line-height: 1;
}

.process-badge span {
  color: rgba(255, 255, 255, 0.78);
  font-weight: 800;
  text-align: right;
}

.process-copy {
  min-width: 0;
  align-self: center;
}

.process-copy h2 {
  max-width: none;
  margin-bottom: 32px;
  font-size: clamp(2rem, 3.2vw, 3.45rem);
  white-space: nowrap;
}

.steps {
  position: relative;
  display: grid;
  gap: 14px;
}

.steps::before {
  content: "";
  position: absolute;
  left: 29px;
  top: 38px;
  bottom: 38px;
  width: 2px;
  background: linear-gradient(180deg, #6b35d4, rgba(251, 172, 0, 0.45));
}

.steps article {
  position: relative;
  display: grid;
  grid-template-columns: 60px minmax(0, 1fr);
  gap: 18px;
  align-items: start;
  padding: 18px 20px 18px 0;
  border: 0;
  background: transparent;
  transform: translateY(0) scale(1);
  transform-origin: left center;
  transition: transform 220ms ease;
}

.steps article:hover {
  transform: translateY(-6px) scale(1.025);
}

.step-icon {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 60px;
  height: 60px;
  border-radius: 18px;
  color: #fff;
  background: linear-gradient(135deg, #2b225f 0%, #6b35d4 100%);
  box-shadow: 0 14px 30px rgba(88, 47, 178, 0.25);
  transition: transform 220ms ease, box-shadow 220ms ease;
}

.steps article:hover .step-icon {
  box-shadow: 0 22px 44px rgba(88, 47, 178, 0.36);
  transform: scale(1.08) rotate(-3deg);
}

.steps article h3,
.steps article p,
.step-number {
  transition: color 220ms ease;
}

.steps article:hover h3 {
  color: #2b225f;
}

.steps article:hover .step-number {
  color: #6b35d4;
}

.step-icon svg {
  width: 29px;
  height: 29px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.step-number {
  display: inline-flex;
  margin-bottom: 4px;
  color: #7b5a18;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.steps h3 {
  margin-bottom: 8px;
  font-size: 1.28rem;
}

.steps p {
  max-width: 440px;
}

.calculator-section {
  display: grid;
  grid-template-columns: 1fr;
  justify-items: center;
  gap: clamp(26px, 5vw, 48px);
  background:
    radial-gradient(circle at 88% 14%, rgba(255, 224, 46, 0.22), transparent 18rem),
    var(--paper);
}

.calculator-heading {
  display: grid;
  justify-items: center;
  text-align: center;
}

.calculator-heading h2 {
  max-width: 760px;
  margin-bottom: 14px;
}

.calculator-heading .muted {
  max-width: 720px;
  margin-bottom: 0;
}

.calculator {
  display: grid;
  gap: 16px;
  padding: 30px;
  width: 100%;
  max-width: 760px;
}

.calculator label {
  display: grid;
  gap: 12px;
  font-weight: 900;
}

input[type="range"] {
  width: 100%;
  accent-color: var(--yellow-deep);
}

.repayment {
  display: grid;
  justify-items: center;
  gap: 8px;
  margin-top: 10px;
  padding: 24px;
  border-radius: 10px;
  color: #fff;
  background: var(--black);
  text-align: center;
}

.repayment strong {
  color: var(--yellow);
  font-size: clamp(2rem, 5vw, 3.2rem);
}

.testimonials {
  overflow: hidden;
  background: #fff;
}

.testimonials-heading {
  display: grid;
  justify-items: center;
  gap: 10px;
  margin-bottom: 48px;
  text-align: center;
}

.testimonials-heading h2 {
  max-width: none;
  font-size: clamp(2rem, 3.35vw, 3.6rem);
  white-space: nowrap;
}

.testimonial-track {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: minmax(320px, 430px);
  gap: 22px;
  overflow-x: auto;
  padding: 4px clamp(18px, 6vw, 90px) 12px;
  margin: 0 calc(clamp(18px, 6vw, 90px) * -1);
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
}

.testimonial-track::-webkit-scrollbar {
  display: none;
}

.testimonial-card {
  scroll-snap-align: start;
  min-height: 245px;
  padding: 26px;
  border: 1px solid rgba(34, 34, 34, 0.08);
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 18px 40px rgba(34, 26, 0, 0.06);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
}

.testimonial-author img {
  width: 58px;
  height: 58px;
  border-radius: 999px;
  background: #f1efe6;
}

.testimonial-author strong {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.05rem;
}

.testimonial-author strong span {
  width: 12px;
  height: 12px;
  border-radius: 999px;
  background: #208b5a;
}

.testimonial-author small {
  display: block;
  margin-top: 4px;
  color: var(--muted);
}

.testimonial-card p {
  color: var(--muted);
  font-size: 1.04rem;
  line-height: 1.58;
}

.testimonial-controls {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 28px;
}

.testimonial-controls button {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border: 1px solid rgba(34, 34, 34, 0.16);
  border-radius: 999px;
  color: var(--ink);
  background: #fff;
  font-size: 1.45rem;
  cursor: pointer;
}

.testimonial-controls button:last-child {
  color: #fff;
  background: #208b5a;
  border-color: #208b5a;
}

.apply {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 440px);
  gap: 30px;
  padding: clamp(60px, 8vw, 92px) clamp(18px, 6vw, 90px);
  color: #fff;
  background: var(--black);
}

.apply .eyebrow,
.apply h2 {
  color: var(--yellow);
}

.apply p {
  color: rgba(255, 255, 255, 0.76);
}

.lead-form {
  display: grid;
  gap: 14px;
}

.lead-form input,
.lead-form select {
  width: 100%;
  min-height: 50px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 10px;
  padding: 0 14px;
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

.lead-form option {
  color: var(--ink);
}

footer {
  padding: 0;
}

.site-footer {
  color: #fff;
  background:
    radial-gradient(circle at 12% 8%, rgba(255, 224, 46, 0.14), transparent 18rem),
    radial-gradient(circle at 88% 0%, rgba(47, 188, 118, 0.14), transparent 20rem),
    linear-gradient(135deg, #041c18 0%, #0a3a2d 54%, #02110e 100%);
}

.footer-main {
  display: grid;
  grid-template-columns: minmax(260px, 1.4fr) repeat(3, minmax(160px, 0.7fr));
  gap: 34px;
  padding: 56px clamp(18px, 6vw, 90px);
}

.footer-brand p,
.footer-column p,
.footer-column a,
.footer-bottom {
  color: rgba(255, 255, 255, 0.72);
}

.footer-brand p {
  max-width: 460px;
  margin: 18px 0 0;
  line-height: 1.65;
}

.footer-brand .brand {
  color: #fff;
}

.footer-column {
  display: grid;
  align-content: start;
  gap: 10px;
}

.footer-column h3 {
  margin: 0 0 8px;
  color: var(--yellow);
  font-size: 0.84rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-column p,
.footer-column a {
  margin: 0;
  line-height: 1.5;
}

.footer-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.footer-contact-link span {
  display: grid;
  place-items: center;
  width: 26px;
  height: 26px;
  border-radius: 999px;
  color: #041c18;
  background: var(--yellow);
  box-shadow: 0 8px 18px rgba(255, 224, 46, 0.18);
  flex: 0 0 auto;
}

.footer-contact-link svg {
  width: 15px;
  height: 15px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.footer-contact-link .whatsapp-icon {
  color: #fff;
  background: #25d366;
  box-shadow: 0 8px 18px rgba(37, 211, 102, 0.22);
}

.footer-contact-link .whatsapp-icon svg {
  width: 17px;
  height: 17px;
  fill: currentColor;
  stroke: none;
}

.footer-column a:hover {
  color: #fff;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 18px clamp(18px, 6vw, 90px);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
}

@media (max-width: 860px) {
  .site-header,
  .hero,
  .stats,
  .cards,
  .steps,
  .calculator-section,
  .apply {
    grid-template-columns: 1fr;
  }

  nav {
    display: none;
  }

  .site-header {
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 14px;
    padding-top: 12px;
    padding-bottom: 12px;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
    border-radius: 10px;
  }

  .language-select {
    min-height: 42px;
    padding-right: 34px;
  }

  .hero {
    min-height: auto;
    padding-top: 56px;
    padding-bottom: 44px;
    gap: 28px;
  }

  .hero::before {
    width: 100%;
    opacity: 0.25;
    background-position: center top;
  }

  .hero::after {
    background: linear-gradient(180deg, rgba(255, 224, 46, 0.96) 0%, rgba(255, 224, 46, 0.9) 52%, rgba(255, 247, 162, 0.82) 100%);
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .primary-button,
  .app-store-button {
    width: 100%;
  }

  .stats {
    transform: none;
    padding-top: 18px;
  }

  .regulatory-banner {
    grid-template-columns: 1fr;
    justify-items: start;
    margin-top: 18px;
  }

  .regulatory-banner h2 {
    white-space: normal;
  }

  .process-layout {
    grid-template-columns: 1fr;
  }

  .process-media,
  .process-media img {
    min-height: 460px;
  }

  .process-copy h2 {
    margin-bottom: 22px;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (max-width: 640px) {
  .site-header {
    grid-template-columns: 1fr;
    align-items: stretch;
  }

  .brand {
    justify-content: center;
  }

  .language-select {
    width: 100%;
    justify-content: center;
  }

  .hero,
  .section,
  .apply {
    padding-left: 16px;
    padding-right: 16px;
  }

  h1 {
    font-size: clamp(2.25rem, 11vw, 3.35rem);
    line-height: 1.02;
  }

  h2 {
    font-size: clamp(1.8rem, 10vw, 3rem);
    line-height: 1.05;
  }

  .section-heading h2 {
    white-space: normal;
  }

  .process-copy h2 {
    white-space: normal;
  }

  .testimonials-heading h2 {
    white-space: normal;
  }

  .eyebrow {
    font-size: 0.72rem;
    line-height: 1.45;
  }

  .hero-card {
    padding: 24px 22px;
    border-width: 3px;
    border-radius: 14px;
  }

  .card-topline {
    margin-bottom: 14px;
  }

  .card-chip {
    width: 46px;
    height: 34px;
    margin-bottom: 10px;
  }

  .hero-card strong {
    font-size: clamp(1.9rem, 8.4vw, 2.6rem);
  }

  .stats {
    grid-template-columns: 1fr;
    padding-left: 16px;
    padding-right: 16px;
  }

  .regulatory-banner {
    margin-left: 16px;
    margin-right: 16px;
    padding: 22px;
  }

  .stats div,
  .cards article,
  .calculator {
    padding: 20px;
  }

  .steps article {
    padding: 14px 0;
  }

  .step-icon {
    width: 52px;
    height: 52px;
    border-radius: 15px;
  }

  .steps {
    gap: 8px;
  }

  .steps::before {
    left: 25px;
  }

  .process-media,
  .process-media img {
    min-height: 360px;
  }

  .process-badge {
    left: 16px;
    right: 16px;
    bottom: 16px;
    padding: 14px;
  }

  .section {
    padding-top: 52px;
    padding-bottom: 52px;
  }

  .calculator-section {
    gap: 24px;
  }

  .repayment {
    padding: 20px;
  }

  .repayment strong {
    font-size: clamp(1.9rem, 12vw, 2.8rem);
    overflow-wrap: anywhere;
  }

  .faq-item {
    min-height: 58px;
    padding: 0 14px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 26px;
    padding-top: 42px;
    padding-bottom: 42px;
  }

  .footer-bottom {
    padding-top: 18px;
    padding-bottom: 18px;
  }

  .apply {
    padding-top: 52px;
    padding-bottom: 52px;
  }
}

@media (max-width: 380px) {
  .brand {
    font-size: 0.95rem;
  }

  .hero,
  .section,
  .apply,
  .stats {
    padding-left: 12px;
    padding-right: 12px;
  }

  .hero-card strong {
    font-size: 1.65rem;
  }
}

@media (max-width: 330px) {
  .hero-card {
    padding: 18px;
  }

  .hero-card strong {
    font-size: 1.45rem;
  }
}