/* ── ROOT ─────────────────────────────────────────────────────── */
  :root {
    --navy: #0B1F4B;
    --navy-mid: #152d6e;
    --navy-dark: #081640;
    --gold: #68D80F;
    --gold-lt: #40890D;
    --white: #FFFFFF;
    --off-white: #F4F7FC;
    --light-gray: #EDF1F8;
    --txt: #0d1630;
    --txt-mid: #3b4870;
    --txt-light: #7887ad;
    --border: #d8dfed;
    --sh-sm: 0 2px 14px rgba(11, 31, 75, .08);
    --sh-md: 0 8px 36px rgba(11, 31, 75, .13);
    --sh-lg: 0 20px 60px rgba(11, 31, 75, .18);
    /* STANDARDIZED BORDER RADIUS - 8px base */
    --r: 8px;
    --rx: 12px;
    --r-sm: 6px;
    --ease: .38s cubic-bezier(.4, 0, .2, 1);
    /* CONSISTENT SECTION SPACING */
    --sec-pad: 100px;
    --sec-gap: 56px;
    --sec-pad-sm: 64px;
  }

  *,
  *::before,
  *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }

  .ff {
    font-family: 'DM Sans', sans-serif;
    color: var(--txt);
    overflow-x: hidden;
    line-height: 1.6;
  }

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

  .ff ul {
    list-style: none;
  }

  .ff img {
    display: block;
    max-width: 100%;
    border-radius: var(--r);
  }

  /* ── UTILITY ──────────────────────────────────────────────────── */
  .ff-wrap {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
  }

  .ff-sec {
    padding: var(--sec-pad) 0;
  }

  .ff-sec-sm {
    padding: var(--sec-pad-sm) 0;
  }

  /* labels */
  .ff-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--gold);
    background: rgba(200, 169, 81, .12);
    padding: 6px 18px;
    border-radius: 40px;
    border: 1px solid rgba(200, 169, 81, .25);
    margin-bottom: 20px;
  }

  /* headings */
  .ff-h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(30px, 3.8vw, 50px);
    font-weight: 700;
    line-height: 1.18;
    color: var(--navy);
  }

  .ff-h2 em {
    font-style: italic;
    color: var(--gold);
  }

  .ff-h2-wh {
    color: #fff;
  }

  .ff-body {
    font-size: 16.5px;
    line-height: 1.78;
    color: var(--txt-mid);
    margin-top: 18px;
  }

  .ff-body-wh {
    color: rgba(255, 255, 255, .72);
  }

  /* gold rule */
  .ff-rule {
    width: 48px;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-lt));
    border-radius: 4px;
    margin: 22px 0 24px;
  }

  .ff-rule-c {
    margin-left: auto;
    margin-right: auto;
  }

  /* center block */
  .ff-center {
    text-align: center;
  }

  .ff-center .ff-body {
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
  }

  /* ── BUTTONS ──────────────────────────────────────────────────── */
  /* Rule: always explicit bg + explicit contrasting color text */
  .btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-family: 'DM Sans', sans-serif;
    font-size: 15px;
    font-weight: 600;
    padding: 14px 30px;
    border-radius: var(--r);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--ease);
    letter-spacing: .2px;
    white-space: nowrap;
  }

  /* navy solid — white text */
  .btn-navy {
    background: var(--navy);
    color: #ffffff !important;
    border-color: var(--navy);
  }

  .btn-navy:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
  }

  /* gold solid — navy text (dark on light = readable) */
  .btn-gold {
    background: var(--gold);
    color: var(--navy) !important;
    border-color: var(--gold);
  }

  .btn-gold:hover {
    background: var(--gold-lt);
    border-color: var(--gold-lt);
  }

  /* white solid — navy text */
  .btn-white {
    background: #ffffff;
    color: var(--navy) !important;
    border-color: #ffffff;
  }

  .btn-white:hover {
    background: var(--off-white);
    border-color: var(--off-white);
  }

  /* outline on dark bg — white border/text */
  .btn-outline-wh {
    background: transparent;
    color: #ffffff !important;
    border-color: rgba(255, 255, 255, .55);
  }

  .btn-outline-wh:hover {
    border-color: #ffffff;
    background: rgba(255, 255, 255, .08);
  }

  /* outline on light bg — navy border/text */
  .btn-outline-nv {
    background: transparent;
    color: var(--navy) !important;
    border-color: var(--navy);
  }

  .btn-outline-nv:hover {
    background: var(--navy);
    color: #ffffff !important;
  }

  /* Small button variant for cards */
  .btn--sm {
    font-size: 14px;
    padding: 12px 22px;
  }

  /* ── REVEAL ANIMATION ─────────────────────────────────────────── */
  @keyframes fadeUp {
    from {
      opacity: 0;
      transform: translateY(28px);
    }
    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  .rv {
    opacity: 0;
  }

  .rv.in {
    animation: fadeUp .6s ease forwards;
  }

  .rv.d1.in {
    animation-delay: .08s;
  }

  .rv.d2.in {
    animation-delay: .16s;
  }

  .rv.d3.in {
    animation-delay: .24s;
  }

  .rv.d4.in {
    animation-delay: .32s;
  }


  /* ════════════════════════════════════════════════════════════════
   1. HERO
════════════════════════════════════════════════════════════════ */
  .hero {
    position: relative;
    min-height: 95vh;
    display: flex;
    align-items: center;
    background: var(--navy-dark);
    overflow: hidden;
  }

  .hero__bg {
    position: absolute;
    inset: 0;
    background-image: url('https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?w=1920&h=1080&auto=format&fit=crop&q=80');
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
  }

  .hero__bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      radial-gradient(circle at 20% 80%, rgba(200, 169, 81, 0.12) 0%, transparent 50%),
      radial-gradient(circle at 80% 20%, rgba(200, 169, 81, 0.08) 0%, transparent 50%);
  }

  .hero__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(105deg, rgba(8, 22, 64, .82) 0%, rgba(8, 22, 64, .65) 60%, rgba(8, 22, 64, .55) 100%);
  }

  .hero__pattern {
    position: absolute;
    inset: 0;
    opacity: .04;
    background-image:
      linear-gradient(rgba(200, 169, 81, .3) 1px, transparent 1px),
      linear-gradient(90deg, rgba(200, 169, 81, .3) 1px, transparent 1px);
    background-size: 60px 60px;
    animation: patternMove 40s linear infinite;
  }

  @keyframes patternMove {
    0% { background-position: 0 0; }
    100% { background-position: 60px 60px; }
  }

  .hero__geo1 {
    position: absolute;
    right: -80px;
    top: -80px;
    width: 520px;
    height: 520px;
    border-radius: 50%;
    border: 70px solid rgba(200, 169, 81, .07);
    pointer-events: none;
  }

  .hero__geo2 {
    position: absolute;
    right: 140px;
    bottom: -180px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    border: 2px solid rgba(200, 169, 81, .18);
    pointer-events: none;
  }

  .hero__inner {
    position: relative;
    z-index: 2;
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 480px;
    gap: 64px;
    align-items: center;
    padding: 100px 0 80px;
  }

  .hero__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(200, 169, 81, .13);
    border: 1px solid rgba(200, 169, 81, .28);
    padding: 7px 18px;
    border-radius: 40px;
    font-size: 13px;
    font-weight: 500;
    color: var(--gold-lt);
    margin-bottom: 26px;
  }

  .hero__dot {
    width: 8px;
    height: 8px;
    background: var(--gold);
    border-radius: 50%;
    animation: blink 2.2s ease infinite;
  }

  @keyframes blink {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: .4; transform: scale(.7); }
  }

  .hero__title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(36px, 5vw, 64px);
    font-weight: 800;
    line-height: 1.1;
    color: #fff;
    margin-bottom: 22px;
  }

  .hero__title em {
    color: var(--gold);
    font-style: italic;
  }

  .hero__sub {
    font-size: 17px;
    line-height: 1.78;
    color: rgba(255, 255, 255, .7);
    max-width: 520px;
    margin-bottom: 36px;
  }

  .hero__btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 44px;
  }

  .hero__kpis {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    border-top: 1px solid rgba(255, 255, 255, .1);
    padding-top: 40px;
  }

  .hero__kpi {
    padding-right: 24px;
  }

  .hero__kpi-num {
    font-family: 'Playfair Display', serif;
    font-size: 34px;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
  }

  .hero__kpi-lbl {
    font-size: 12px;
    color: rgba(255, 255, 255, .5);
    margin-top: 6px;
    line-height: 1.4;
  }

  .hero__card {
    background: #fff;
    border-radius: var(--rx);
    padding: 36px 32px;
    box-shadow: var(--sh-lg);
  }

  .hero__card-head {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    color: var(--navy);
    margin-bottom: 6px;
  }

  .hero__card-sub {
    font-size: 13px;
    color: var(--txt-light);
    margin-bottom: 28px;
  }

  .ff-field {
    margin-bottom: 18px;
  }

  .ff-field label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--txt-mid);
    margin-bottom: 8px;
  }

  .ff-field select,
  .ff-field input {
    width: 100%;
    background: #ffffff;
    border: 2px solid var(--border);
    border-radius: var(--r);
    padding: 14px 16px;
    font-size: 15px;
    color: var(--txt);
    font-family: 'DM Sans', sans-serif;
    outline: none;
    transition: border-color var(--ease), box-shadow var(--ease);
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
  }

  .ff-field select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%230B1F4B' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
  }

  .ff-field select:focus,
  .ff-field input:focus {
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(11, 31, 75, .08);
  }

  .ff-field input::placeholder {
    color: #aab3cc;
  }

  .hero__card-note {
    font-size: 12px;
    color: var(--txt-light);
    text-align: center;
    margin-top: 14px;
  }

  .hero__card .btn {
    width: 100%;
    justify-content: center;
    margin-top: 4px;
  }

  @media(max-width:1000px) {
    .hero__inner {
      grid-template-columns: 1fr;
      gap: 48px;
      padding: 80px 0 64px;
    }
    .hero__card {
      max-width: 480px;
    }
    .hero__kpis {
      grid-template-columns: repeat(2, 1fr);
      gap: 24px;
      padding-top: 32px;
    }
    .hero__kpi {
      border-right: none;
    }
  }

  @media(max-width:520px) {
    .hero__kpis {
      grid-template-columns: repeat(2, 1fr);
    }
  }


  /* ════════════════════════════════════════════════════════════════
   2. TRUST BAR
════════════════════════════════════════════════════════════════ */
  .trust {
    background: #fff;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--sh-sm);
  }

  .trust__row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
  }

  .trust__item {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 28px 24px;
    border-right: 1px solid var(--border);
    transition: background var(--ease);
  }

  .trust__item:last-child {
    border-right: none;
  }

  .trust__item:hover {
    background: var(--off-white);
  }

  .trust__ico {
    width: 46px;
    height: 46px;
    border-radius: var(--r);
    flex-shrink: 0;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 18px;
  }

  .trust__lbl {
    font-size: 14px;
    font-weight: 600;
    color: var(--txt);
    line-height: 1.3;
  }

  .trust__sub {
    font-size: 12px;
    color: var(--txt-light);
    margin-top: 3px;
  }

  @media(max-width:780px) {
    .trust__row {
      grid-template-columns: repeat(2, 1fr);
    }
    .trust__item:nth-child(2) { border-right: none; }
    .trust__item:nth-child(3) { border-top: 1px solid var(--border); }
    .trust__item:nth-child(4) { border-top: 1px solid var(--border); border-right: none; }
  }

  @media(max-width:420px) {
    .trust__row { grid-template-columns: 1fr; }
    .trust__item { border-right: none; border-bottom: 1px solid var(--border); }
  }


  /* ════════════════════════════════════════════════════════════════
   3. ABOUT
════════════════════════════════════════════════════════════════ */
  .about {
    background: var(--off-white);
  }

  .about__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sec-gap);
    align-items: center;
  }

  .about__media {
    position: relative;
  }

  .about__img {
    width: 100%;
    height: 520px;
    object-fit: cover;
    object-position: center top;
    border-radius: var(--rx);
    box-shadow: var(--sh-lg);
    image-rendering: auto;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
  }

  .about__badge {
    position: absolute;
    bottom: -20px;
    left: -20px;
    background: var(--navy);
    border-radius: var(--r);
    padding: 22px 26px;
    box-shadow: var(--sh-md);
  }

  .about__badge-num {
    font-family: 'Playfair Display', serif;
    font-size: 40px;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
  }

  .about__badge-txt {
    font-size: 12px;
    color: rgba(255, 255, 255, .65);
    margin-top: 5px;
  }

  .about__ring {
    position: absolute;
    top: -18px;
    right: -18px;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    border: 2px dashed rgba(200, 169, 81, .35);
    pointer-events: none;
  }

  .about__checks {
    margin: 28px 0 36px;
  }

  .about__check {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 16px;
  }

  .about__check-ico {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    flex-shrink: 0;
    margin-top: 1px;
    background: linear-gradient(135deg, var(--gold), var(--gold-lt));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 11px;
    font-weight: 700;
  }

  .about__check-txt {
    font-size: 15px;
    color: var(--txt-mid);
    line-height: 1.65;
  }

  .about__check-txt strong {
    color: var(--txt);
  }

  @media(max-width:900px) {
    .about__grid {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .about__img { height: 360px; }
    .about__badge { bottom: -14px; left: 14px; }
  }


  /* ════════════════════════════════════════════════════════════════
   4. LOAN PROGRAMS
════════════════════════════════════════════════════════════════ */
  .loans {
    background: #fff;
  }

  .loans__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 52px;
  }

  .loan-card__desc {
    font-size: 14px;
    color: var(--txt-mid);
    line-height: 1.65;
  }

  .loan-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--rx);
    overflow: hidden;
    box-shadow: var(--sh-sm);
  }

  .loan-card:hover {
    box-shadow: var(--sh-md);
  }

  .loan-card__img {
    width: 100%;
    height: 200px;
    object-fit: cover;
    object-position: center;
  }

  .loan-card__body {
    padding: 30px 28px 32px;
  }

  .loan-card__icon {
    width: 52px;
    height: 52px;
    border-radius: var(--r);
    margin-bottom: 18px;
    background: rgba(11, 31, 75, .07);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    color: var(--navy);
  }

  .loan-card__title {
    font-family: 'Playfair Display', serif;
    font-size: 21px;
    color: var(--navy);
    margin-bottom: 10px;
  }

  .loan-card__list {
    margin: 14px 0 24px;
  }

  .loan-card__list li {
    font-size: 14px;
    color: var(--txt-mid);
    padding: 7px 0;
    border-bottom: 1px solid var(--light-gray);
    display: flex;
    align-items: center;
    gap: 10px;
  }

  .loan-card__list li:last-child {
    border-bottom: none;
  }

  .loan-card__list li::before {
    content: '';
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--gold);
    flex-shrink: 0;
  }

  @media(max-width:780px) {
    .loans__grid {
      grid-template-columns: 1fr;
      max-width: 460px;
      margin-left: auto;
      margin-right: auto;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   5. STATS STRIP
════════════════════════════════════════════════════════════════ */
  .stats-strip {
    background: var(--navy);
    position: relative;
    overflow: hidden;
  }

  .stats-strip::before {
    content: '';
    position: absolute;
    right: -120px;
    top: -120px;
    width: 480px;
    height: 480px;
    border-radius: 50%;
    border: 60px solid rgba(200, 169, 81, .06);
    pointer-events: none;
  }

  .stats-strip__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    position: relative;
    z-index: 1;
  }

  .stat-item {
    text-align: center;
    padding: 56px 24px;
    border-right: 1px solid rgba(255, 255, 255, .08);
    transition: background var(--ease);
  }

  .stat-item:last-child {
    border-right: none;
  }

  .stat-item:hover {
    background: rgba(255, 255, 255, .04);
  }

  .stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 54px;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
  }

  .stat-suf {
    font-size: 28px;
    color: var(--gold-lt);
  }

  .stat-lbl {
    font-size: 14px;
    color: rgba(255, 255, 255, .58);
    margin-top: 14px;
    font-weight: 500;
  }

  @media(max-width:760px) {
    .stats-strip__grid {
      grid-template-columns: repeat(2, 1fr);
    }
    .stat-item:nth-child(2) { border-right: none; }
    .stat-item:nth-child(3) { border-top: 1px solid rgba(255, 255, 255, .08); }
    .stat-item:nth-child(4) { border-top: 1px solid rgba(255, 255, 255, .08); border-right: none; }
  }


  /* ════════════════════════════════════════════════════════════════
   6. PROPERTY GALLERY
════════════════════════════════════════════════════════════════ */
  .gallery {
    background: var(--off-white);
  }

  .gallery__grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-rows: 280px 280px;
    gap: 20px;
    margin-top: 48px;
  }

  .gal-cell {
    border-radius: var(--r);
    overflow: hidden;
    position: relative;
  }

  .gal-cell--tall {
    grid-row: span 2;
  }

  .gal-cell img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .6s ease;
    image-rendering: auto;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
  }

  .gal-cell:hover img {
    transform: scale(1.05);
  }

  .gal-cell__label {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 20px 20px 18px;
    background: linear-gradient(0deg, rgba(8, 22, 64, .85) 0%, transparent 100%);
    color: #fff;
    font-size: 14px;
    font-weight: 600;
  }

  .gal-cell__label span {
    display: block;
    font-size: 11px;
    font-weight: 400;
    color: rgba(255, 255, 255, .65);
    margin-top: 3px;
  }

  @media(max-width:780px) {
    .gallery__grid {
      grid-template-columns: 1fr 1fr;
      grid-template-rows: 200px 200px;
    }
    .gal-cell--tall { grid-row: span 1; }
  }

  @media(max-width:480px) {
    .gallery__grid {
      grid-template-columns: 1fr;
      grid-template-rows: auto;
      gap: 14px;
    }
    .gal-cell, .gal-cell--tall {
      height: 180px;
      grid-row: auto;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   7. HOW IT WORKS
════════════════════════════════════════════════════════════════ */
  .process {
    background: #fff;
  }

  .process__steps {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
    margin-top: 52px;
    position: relative;
  }

  .process__steps::before {
    content: '';
    position: absolute;
    top: 44px;
    left: 10%;
    right: 10%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-lt), var(--gold));
    opacity: .25;
  }

  .proc-step {
    text-align: center;
    padding: 18px 14px;
  }

  .proc-step__ico-wrap {
    width: 90px;
    height: 90px;
    border-radius: var(--r);
    background: var(--off-white);
    border: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 32px;
    color: var(--navy);
    box-shadow: var(--sh-sm);
    transition: var(--ease);
    position: relative;
    z-index: 1;
  }

  .proc-step:hover .proc-step__ico-wrap {
    background: var(--navy);
    color: var(--gold);
  }

  .proc-step__num {
    position: absolute;
    top: -10px;
    right: -10px;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy);
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .proc-step__title {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
  }

  .proc-step__desc {
    font-size: 13px;
    color: var(--txt-light);
    line-height: 1.65;
  }

  @media(max-width:800px) {
    .process__steps {
      grid-template-columns: repeat(2, 1fr);
      gap: 28px;
    }
    .process__steps::before { display: none; }
  }

  @media(max-width:420px) {
    .process__steps { grid-template-columns: 1fr; }
  }


  /* ════════════════════════════════════════════════════════════════
   8. FULL-WIDTH IMAGE CTA BAND
════════════════════════════════════════════════════════════════ */
  .img-band {
    position: relative;
    min-height: 420px;
    display: flex;
    align-items: center;
    overflow: hidden;
  }

  .img-band__bg {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, #1a3a8a 100%);
  }

  .img-band__bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      radial-gradient(circle at 30% 70%, rgba(200, 169, 81, 0.1) 0%, transparent 50%),
      radial-gradient(circle at 70% 30%, rgba(200, 169, 81, 0.08) 0%, transparent 50%);
  }

  .img-band__bg::after {
    content: '';
    position: absolute;
    inset: 0;
    opacity: .03;
    background-image:
      linear-gradient(rgba(200, 169, 81, .4) 1px, transparent 1px),
      linear-gradient(90deg, rgba(200, 169, 81, .4) 1px, transparent 1px);
    background-size: 80px 80px;
  }

  .img-band__overlay {
    position: absolute;
    inset: 0;
    background: transparent;
  }

  .img-band__content {
    position: relative;
    z-index: 1;
    padding: 80px 0;
  }

  .img-band__title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(26px, 4vw, 46px);
    font-weight: 700;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 16px;
  }

  .img-band__title em {
    color: var(--gold);
    font-style: italic;
  }

  .img-band__sub {
    font-size: 17px;
    color: rgba(255, 255, 255, .7);
    margin-bottom: 32px;
    max-width: 540px;
  }

  .img-band__btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
  }


  /* ════════════════════════════════════════════════════════════════
   9. WHY CHOOSE US
════════════════════════════════════════════════════════════════ */
  .why {
    background: var(--off-white);
  }

  .why__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sec-gap);
    align-items: center;
  }

  .why__media {
    position: relative;
  }

  .why__img {
    width: 100%;
    height: 500px;
    object-fit: cover;
    object-position: center top;
    border-radius: var(--rx);
    box-shadow: var(--sh-lg);
    image-rendering: auto;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
  }

  .why__float {
    position: absolute;
    bottom: 28px;
    right: -22px;
    background: var(--gold);
    border-radius: var(--r);
    padding: 20px 24px;
    box-shadow: var(--sh-md);
    text-align: center;
  }

  .why__float-num {
    font-family: 'Playfair Display', serif;
    font-size: 30px;
    font-weight: 700;
    color: var(--navy);
  }

  .why__float-txt {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
    color: var(--navy);
    margin-top: 4px;
  }

  .why__feats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  .why-feat {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 26px;
    transition: background .2s, border-color .2s;
  }

  .why-feat:hover {
    background: var(--navy);
    border-color: var(--navy);
  }

  .why-feat:hover .why-feat__ico {
    background: rgba(200, 169, 81, .15);
    color: var(--gold);
  }

  .why-feat:hover .why-feat__title {
    color: #fff;
  }

  .why-feat:hover .why-feat__text {
    color: rgba(255, 255, 255, .65);
  }

  .why-feat__ico {
    width: 48px;
    height: 48px;
    border-radius: var(--r);
    background: rgba(11, 31, 75, .07);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: var(--navy);
    margin-bottom: 16px;
    transition: var(--ease);
  }

  .why-feat__title {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
    transition: var(--ease);
  }

  .why-feat__text {
    font-size: 14px;
    color: var(--txt-mid);
    line-height: 1.65;
    transition: var(--ease);
  }

  @media(max-width:900px) {
    .why__grid {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .why__img { height: 320px; }
    .why__float { right: 14px; }
  }

  @media(max-width:480px) {
    .why__feats { grid-template-columns: 1fr; }
  }


  /* ════════════════════════════════════════════════════════════════
   10. AREAS COVERED
════════════════════════════════════════════════════════════════ */
  .areas {
    background: #fff;
  }

  .areas__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sec-gap);
    align-items: center;
  }

  .areas__map-img {
    width: 100%;
    height: 380px;
    object-fit: cover;
    object-position: center;
    border-radius: var(--rx);
    box-shadow: var(--sh-lg);
  }

  .areas__pills {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 28px;
  }

  .area-pill {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: var(--off-white);
    border: 1px solid var(--border);
    padding: 9px 18px;
    border-radius: 40px;
    font-size: 13px;
    font-weight: 500;
    color: var(--txt);
    box-shadow: var(--sh-sm);
    transition: var(--ease);
    cursor: default;
  }

  .area-pill i {
    color: var(--gold);
    font-size: 11px;
  }

  .area-pill:hover {
    background: var(--navy);
    color: #fff;
    border-color: var(--navy);
  }

  .area-pill:hover i {
    color: var(--gold-lt);
  }

  @media(max-width:880px) {
    .areas__inner {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .areas__map-img { height: 280px; }
  }


  /* ════════════════════════════════════════════════════════════════
   11. TESTIMONIALS
════════════════════════════════════════════════════════════════ */
  .testi {
    background: var(--off-white);
  }

  .testi__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
  }

  .testi-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--rx);
    padding: 32px 28px;
    box-shadow: var(--sh-sm);
    position: relative;
  }

  .testi-card:hover {
    box-shadow: var(--sh-md);
  }

  .testi-card::before {
    content: '\201C';
    font-family: 'Playfair Display', serif;
    font-size: 90px;
    color: var(--gold);
    opacity: .18;
    position: absolute;
    top: 10px;
    right: 22px;
    line-height: 1;
    pointer-events: none;
  }

  .testi-stars {
    color: var(--gold);
    font-size: 14px;
    letter-spacing: 2px;
    margin-bottom: 16px;
  }

  .testi-text {
    font-size: 15px;
    color: var(--txt-mid);
    line-height: 1.78;
    margin-bottom: 24px;
  }

  .testi-author {
    display: flex;
    align-items: center;
    gap: 14px;
  }

  .testi-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
    object-position: top;
    border: 2px solid var(--gold);
  }

  .testi-name {
    font-size: 15px;
    font-weight: 700;
    color: var(--txt);
  }

  .testi-role {
    font-size: 13px;
    color: var(--txt-light);
  }

  @media(max-width:760px) {
    .testi__grid {
      grid-template-columns: 1fr;
      max-width: 480px;
      margin-left: auto;
      margin-right: auto;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   12. FAQ
════════════════════════════════════════════════════════════════ */
  .faq {
    background: #fff;
  }

  .faq__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sec-gap);
    align-items: center;
  }

  .faq__img {
    width: 100%;
    height: 480px;
    object-fit: cover;
    object-position: center;
    border-radius: var(--rx);
    box-shadow: var(--sh-lg);
  }

  .faq__visual {
    position: relative;
    background: linear-gradient(145deg, var(--navy) 0%, var(--navy-dark) 100%);
    border-radius: var(--rx);
    padding: 40px 32px;
    box-shadow: var(--sh-lg);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: auto;
  }

  .faq__visual::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    border: 40px solid rgba(200, 169, 81, .08);
  }

  .faq__visual::after {
    content: '';
    position: absolute;
    bottom: -40px;
    left: -40px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    border: 2px solid rgba(200, 169, 81, .15);
  }

  .faq__visual-header {
    text-align: center;
    margin-bottom: 32px;
    position: relative;
    z-index: 1;
  }

  .faq__visual-header i {
    font-size: 48px;
    color: var(--gold);
    margin-bottom: 16px;
    display: block;
  }

  .faq__visual-header h4 {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    color: #fff;
    margin-bottom: 8px;
  }

  .faq__visual-header p {
    font-size: 14px;
    color: rgba(255, 255, 255, .6);
  }

  .faq__visual-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    position: relative;
    z-index: 1;
  }

  .faq__stat-box {
    background: rgba(255, 255, 255, .06);
    border: 1px solid rgba(255, 255, 255, .1);
    border-radius: var(--r);
    padding: 24px 20px;
    text-align: center;
    transition: var(--ease);
  }

  .faq__stat-box:hover {
    background: rgba(200, 169, 81, .12);
    border-color: rgba(200, 169, 81, .3);
  }

  .faq__stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
  }

  .faq__stat-lbl {
    font-size: 12px;
    color: rgba(255, 255, 255, .55);
    margin-top: 8px;
    line-height: 1.4;
  }

  .faq__visual-cta {
    margin-top: 28px;
    text-align: center;
    position: relative;
    z-index: 1;
  }

  .faq__visual-cta a {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 28px;
    border-radius: var(--r);
    background: var(--gold);
    color: var(--navy);
    font-size: 15px;
    font-weight: 600;
    transition: var(--ease);
  }

  .faq__visual-cta a:hover {
    background: var(--gold-lt);
  }

  .faq__list {
    margin-top: 8px;
  }

  .faq-item {
    border-bottom: 1px solid var(--border);
  }

  .faq-item:first-child {
    border-top: 1px solid var(--border);
  }

  .faq-btn {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 0;
    background: none;
    border: none;
    cursor: pointer;
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    text-align: left;
    gap: 16px;
    transition: color var(--ease);
  }

  .faq-btn:hover {
    color: var(--gold);
  }

  .faq-btn i {
    font-size: 14px;
    color: var(--gold);
    flex-shrink: 0;
    transition: transform var(--ease);
  }

  .faq-body {
    font-size: 15px;
    color: var(--txt-mid);
    line-height: 1.75;
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s ease, padding .35s ease;
    padding-bottom: 0;
  }

  .faq-item.open .faq-body {
    max-height: 300px;
    padding-bottom: 20px;
  }

  .faq-item.open .faq-btn i {
    transform: rotate(45deg);
  }

  @media(max-width:880px) {
    .faq__inner {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .faq__img { height: 300px; }
    .faq__visual {
      padding: 32px 24px;
      min-height: auto;
    }
    .faq__visual-header i { font-size: 40px; }
    .faq__visual-header h4 { font-size: 20px; }
    .faq__stat-num { font-size: 28px; }
  }

  @media(max-width:480px) {
    .faq__visual-stats { grid-template-columns: 1fr; }
    .faq__stat-box { padding: 20px 16px; }
  }


  /* ════════════════════════════════════════════════════════════════
   13. FINANCING HIGHLIGHT
════════════════════════════════════════════════════════════════ */
  .financing {
    background: var(--navy);
    position: relative;
    overflow: hidden;
  }

  .financing::before {
    content: '';
    position: absolute;
    bottom: -140px;
    left: -100px;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    border: 70px solid rgba(200, 169, 81, .06);
    pointer-events: none;
  }

  .financing__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sec-gap);
    align-items: center;
    position: relative;
    z-index: 1;
  }

  .financing__img {
    width: 100%;
    height: 480px;
    object-fit: cover;
    object-position: center;
    border-radius: var(--rx);
    box-shadow: var(--sh-lg);
    border: 3px solid rgba(200, 169, 81, .25);
  }

  .financing__visual {
    position: relative;
    padding: 48px 40px;
    background: rgba(255, 255, 255, .04);
    border: 2px solid rgba(200, 169, 81, .2);
    border-radius: var(--rx);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: 420px;
  }

  .financing__visual::before {
    content: '100%';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    font-family: 'Playfair Display', serif;
    font-size: 180px;
    font-weight: 800;
    color: rgba(200, 169, 81, .06);
    line-height: 1;
    pointer-events: none;
  }

  .fin-visual__header {
    text-align: center;
    margin-bottom: 40px;
    position: relative;
    z-index: 1;
  }

  .fin-visual__badge {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
    padding: 16px 32px;
    border-radius: 60px;
    margin-bottom: 20px;
  }

  .fin-visual__badge i {
    font-size: 28px;
    color: var(--navy);
  }

  .fin-visual__badge span {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 700;
    color: var(--navy);
  }

  .fin-visual__header p {
    font-size: 16px;
    color: rgba(255, 255, 255, .7);
    max-width: 320px;
    margin: 0 auto;
  }

  .fin-visual__features {
    display: grid;
    grid-template-columns: 1fr;
    gap: 14px;
    position: relative;
    z-index: 1;
  }

  .fin-visual__feat {
    display: flex;
    align-items: center;
    gap: 16px;
    background: rgba(255, 255, 255, .05);
    border: 1px solid rgba(255, 255, 255, .08);
    padding: 18px 20px;
    border-radius: var(--r);
    transition: var(--ease);
  }

  .fin-visual__feat:hover {
    background: rgba(200, 169, 81, .1);
    border-color: rgba(200, 169, 81, .25);
    transform: translateX(6px);
  }

  .fin-visual__feat-ico {
    width: 44px;
    height: 44px;
    border-radius: var(--r);
    flex-shrink: 0;
    background: rgba(200, 169, 81, .15);
    border: 1px solid rgba(200, 169, 81, .25);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 18px;
  }

  .fin-visual__feat-text {
    font-size: 15px;
    color: rgba(255, 255, 255, .85);
    font-weight: 500;
  }

  .fin-visual__feat-text span {
    color: var(--gold);
    font-weight: 700;
  }

  .financing__cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 28px 0 36px;
  }

  .fin-card {
    background: rgba(255, 255, 255, .07);
    border: 1px solid rgba(255, 255, 255, .1);
    border-radius: var(--r);
    padding: 22px 20px;
  }

  .fin-card__num {
    font-family: 'Playfair Display', serif;
    font-size: 30px;
    font-weight: 700;
    color: var(--gold);
  }

  .fin-card__lbl {
    font-size: 13px;
    color: rgba(255, 255, 255, .6);
    margin-top: 4px;
    line-height: 1.5;
  }

  @media(max-width:900px) {
    .financing__inner {
      grid-template-columns: 1fr;
      gap: 48px;
    }
    .financing__img { height: 300px; }
    .financing__cards { grid-template-columns: repeat(2, 1fr); }
    .financing__visual { padding: 36px 28px; }
    .financing__visual::before { font-size: 120px; }
    .fin-visual__badge { padding: 14px 26px; }
    .fin-visual__badge span { font-size: 26px; }
  }

  @media(max-width:480px) {
    .financing__visual { padding: 28px 20px; }
    .financing__visual::before { font-size: 80px; }
    .fin-visual__badge {
      flex-direction: column;
      gap: 8px;
      padding: 16px 20px;
    }
    .fin-visual__badge span { font-size: 20px; }
    .fin-visual__feat { padding: 14px 16px; }
    .fin-visual__feat-ico { width: 38px; height: 38px; font-size: 16px; }
    .fin-visual__feat-text { font-size: 14px; }
  }


  /* ════════════════════════════════════════════════════════════════
   14. FINAL CTA
════════════════════════════════════════════════════════════════ */
  .final-cta {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1a3a8a 100%);
    position: relative;
    overflow: hidden;
  }

  .final-cta::after {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    border: 50px solid rgba(200, 169, 81, .06);
  }

  .final-cta__inner {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 56px;
    align-items: center;
    position: relative;
    z-index: 1;
  }

  .final-cta__title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(24px, 3.5vw, 42px);
    font-weight: 700;
    color: #fff;
    margin-bottom: 14px;
    line-height: 1.2;
  }

  .final-cta__title em {
    color: var(--gold);
    font-style: italic;
  }

  .final-cta__sub {
    font-size: 16px;
    color: rgba(255, 255, 255, .65);
  }

  .final-cta__right {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 16px;
  }

  .cta-phone {
    display: flex;
    align-items: center;
    gap: 12px;
  }

  .cta-phone__ico {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: rgba(200, 169, 81, .15);
    border: 1px solid rgba(200, 169, 81, .3);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 18px;
    flex-shrink: 0;
  }

  .cta-phone__lbl {
    font-size: 11px;
    color: rgba(255, 255, 255, .5);
    text-transform: uppercase;
    letter-spacing: .8px;
    font-weight: 600;
  }

  .cta-phone__num {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: #fff;
  }

  .cta-phone__num a {
    color: #fff;
  }

  @media(max-width:780px) {
    .final-cta__inner {
      grid-template-columns: 1fr;
      gap: 36px;
    }
    .final-cta__right {
      align-items: flex-start;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   15. CONTACT STRIP
════════════════════════════════════════════════════════════════ */
  .contact-strip {
    background: var(--off-white);
    border-top: 1px solid var(--border);
  }

  .contact-strip__row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
  }

  .cs-item {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 34px 28px;
    border-right: 1px solid var(--border);
    transition: background var(--ease);
  }

  .cs-item:last-child {
    border-right: none;
  }

  .cs-item:hover {
    background: #fff;
  }

  .cs-item__ico {
    width: 50px;
    height: 50px;
    border-radius: var(--r);
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 18px;
    flex-shrink: 0;
  }

  .cs-item__lbl {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--txt-light);
    margin-bottom: 4px;
  }

  .cs-item__val {
    font-size: 16px;
    font-weight: 600;
    color: var(--txt);
  }

  .cs-item__val a {
    color: var(--navy);
    transition: color var(--ease);
  }

  .cs-item__val a:hover {
    color: var(--gold);
  }

  @media(max-width:680px) {
    .contact-strip__row { grid-template-columns: 1fr; }
    .cs-item {
      border-right: none;
      border-bottom: 1px solid var(--border);
    }
  }


  /* ════════════════════════════════════════════════════════════════
   16. LOAN COMPARISON TABLE
════════════════════════════════════════════════════════════════ */
  .compare {
    background: #fff;
    position: relative;
  }

  .compare::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 3px;
    border-radius: 4px;
    background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  }

  .compare__table-wrap {
    overflow-x: auto;
    margin-top: 48px;
    border-radius: var(--rx);
    box-shadow: var(--sh-md);
    background: #fff;
    border: 1px solid var(--border);
  }

  .compare__table {
    width: 100%;
    min-width: 700px;
    border-collapse: collapse;
  }

  .compare__table thead {
    background: var(--navy);
  }

  .compare__table th {
    padding: 18px 22px;
    text-align: left;
    font-size: 14px;
    font-weight: 700;
    color: #fff;
    text-transform: uppercase;
    letter-spacing: .8px;
  }

  .compare__table th:first-child {
    border-radius: var(--rx) 0 0 0;
  }

  .compare__table th:last-child {
    border-radius: 0 var(--rx) 0 0;
  }

  .compare__table td {
    padding: 18px 22px;
    font-size: 15px;
    color: var(--txt);
    border-bottom: 1px solid var(--border);
  }

  .compare__table tbody tr:hover {
    background: var(--off-white);
  }

  .compare__table .highlight-row td {
    background: rgba(200, 169, 81, .08);
    font-weight: 600;
  }

  .compare__table .check-icon {
    color: var(--gold);
    font-size: 16px;
  }

  .compare__note {
    font-size: 13px;
    color: var(--txt-light);
    margin-top: 20px;
    text-align: center;
  }


  /* ════════════════════════════════════════════════════════════════
   17. TRUST LOGOS / PARTNERS
════════════════════════════════════════════════════════════════ */
  .partners {
    background: var(--navy);
    padding: 48px 0;
  }

  .partners__inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
  }

  .partners__label {
    font-size: 12px;
    font-weight: 600;
    color: rgba(255, 255, 255, .7);
    text-transform: uppercase;
    letter-spacing: 1.5px;
    padding-right: 24px;
    border-right: 1px solid rgba(255, 255, 255, .25);
    margin-right: 24px;
  }

  .partners__logos {
    display: flex;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
    justify-content: center;
  }

  .partners__logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: #fff;
    font-size: 14px;
    font-weight: 600;
    transition: var(--ease);
  }

  .partners__logo i {
    font-size: 24px;
    color: var(--gold);
  }

  .partners__logo:hover {
    opacity: .85;
  }

  @media(max-width:680px) {
    .partners__label {
      border-right: none;
      margin-right: 0;
      padding-right: 0;
      width: 100%;
      text-align: center;
      margin-bottom: 16px;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   18. NEWSLETTER SECTION
════════════════════════════════════════════════════════════════ */
  .newsletter {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
    padding: 56px 0;
  }

  .newsletter__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    flex-wrap: wrap;
  }

  .newsletter__text h3 {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    color: var(--navy);
    margin-bottom: 8px;
  }

  .newsletter__text p {
    font-size: 14px;
    color: var(--navy-mid);
    opacity: .85;
  }

  .newsletter__form {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
  }

  .newsletter__input {
    flex: 1;
    min-width: 260px;
    padding: 14px 20px;
    border: 2px solid transparent;
    border-radius: var(--r);
    font-size: 15px;
    background: rgba(255, 255, 255, .9);
    color: var(--txt);
    font-family: 'DM Sans', sans-serif;
    outline: none;
    transition: var(--ease);
  }

  .newsletter__input::placeholder {
    color: var(--txt-light);
  }

  .newsletter__input:focus {
    border-color: var(--navy);
    background: #fff;
  }

  .newsletter__btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 28px;
    border-radius: var(--r);
    border: none;
    background: var(--navy);
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--ease);
  }

  .newsletter__btn:hover {
    background: var(--navy-mid);
  }

  @media(max-width:680px) {
    .newsletter__inner {
      flex-direction: column;
      text-align: center;
    }
    .newsletter__form {
      width: 100%;
      flex-direction: column;
    }
    .newsletter__input {
      min-width: auto;
      width: 100%;
    }
    .newsletter__btn {
      width: 100%;
      justify-content: center;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   19. QUICK CALCULATOR WIDGET
════════════════════════════════════════════════════════════════ */
  .calc-widget {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--rx);
    padding: 32px;
    box-shadow: var(--sh-md);
    max-width: 400px;
  }

  .calc-widget__title {
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    color: var(--navy);
    margin-bottom: 20px;
    text-align: center;
  }

  .calc-widget__row {
    margin-bottom: 16px;
  }

  .calc-widget__row label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    color: var(--txt-mid);
    text-transform: uppercase;
    letter-spacing: .5px;
    margin-bottom: 8px;
  }

  .calc-widget__row input {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--r);
    font-size: 15px;
    font-family: 'DM Sans', sans-serif;
    color: var(--txt);
    outline: none;
    transition: var(--ease);
  }

  .calc-widget__row input:focus {
    border-color: var(--navy);
  }

  .calc-widget__result {
    background: var(--navy);
    border-radius: var(--r);
    padding: 20px;
    text-align: center;
    margin-top: 20px;
  }

  .calc-widget__result-num {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 700;
    color: var(--gold);
  }

  .calc-widget__result-lbl {
    font-size: 12px;
    color: rgba(255, 255, 255, .6);
    margin-top: 4px;
  }


  /* ════════════════════════════════════════════════════════════════
   21. FLOATING CTA BADGE (MOBILE)
════════════════════════════════════════════════════════════════ */
  @media(max-width:768px) {
    .mobile-cta {
      position: fixed;
      bottom: 0;
      left: 0;
      right: 0;
      z-index: 998;
      background: var(--navy);
      padding: 14px 20px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 12px;
      box-shadow: 0 -4px 20px rgba(0, 0, 0, .2);
    }

    .mobile-cta__text {
      font-size: 13px;
      color: #fff;
    }

    .mobile-cta__text strong {
      color: var(--gold);
      display: block;
    }

    .mobile-cta__btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 12px 20px;
      border-radius: var(--r);
      background: var(--gold);
      color: var(--navy);
      font-size: 14px;
      font-weight: 600;
      white-space: nowrap;
      text-decoration: none;
    }
  }

  @media(min-width:769px) {
    .mobile-cta {
      display: none;
    }
  }


  /* ════════════════════════════════════════════════════════════════
   22. ADDITIONAL POLISH
════════════════════════════════════════════════════════════════ */
  html {
    scroll-behavior: smooth;
  }

  ::selection {
    background: var(--gold);
    color: var(--navy);
  }

  a:focus-visible,
  button:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 2px;
  }

  img {
    background: var(--light-gray);
  }

  .btn i,
  .btn svg {
    transition: none;
  }

  .loan-card,
  .testi-card,
  .why-feat {
    will-change: transform;
  }


  /* ════════════════════════════════════════════════════════════════
   23. COMPREHENSIVE MOBILE & TABLET RESPONSIVE
════════════════════════════════════════════════════════════════ */
  @media(max-width:1024px) {
    .ff-sec { padding: 80px 0; }
    .ff-wrap { padding: 0 28px; }
    .ff-h2 { font-size: clamp(26px, 4vw, 40px); }
    .hero { min-height: auto; padding: 60px 0 40px; }
    .hero__inner { gap: 48px; padding: 60px 0 50px; }
    .hero__title { font-size: clamp(32px, 4.5vw, 52px); }
    .hero__kpi-num { font-size: 28px; }
    .hero__card { padding: 28px 24px; }
    .hero__card-head { font-size: 20px; }
    .hero__geo1 { width: 380px; height: 380px; right: -100px; top: -100px; }
    .hero__geo2 { width: 200px; height: 200px; right: 80px; bottom: -120px; }
    .about__grid { gap: 56px; }
    .about__img { height: 450px; }
    .about__badge { padding: 18px 22px; }
    .about__badge-num { font-size: 32px; }
    .loans__grid { gap: 24px; }
    .loan-card__body { padding: 24px 22px 26px; }
    .loan-card__img { height: 180px; }
    .proc-step__ico-wrap { width: 76px; height: 76px; font-size: 26px; }
    .proc-step__num { width: 24px; height: 24px; font-size: 11px; }
    .why__grid { gap: var(--sec-gap); }
    .why__img { height: 460px; }
    .why__feats { gap: 18px; }
    .why-feat { padding: 22px; }
    .areas__inner { gap: var(--sec-gap); }
    .areas__map-img { height: 340px; }
    .stat-num { font-size: 44px; }
    .stat-item { padding: 48px 20px; }
    .testi__grid { gap: 20px; }
    .testi-card { padding: 26px 22px; }
    .final-cta__inner { gap: 40px; }
    .final-cta__title { font-size: clamp(22px, 3.2vw, 36px); }
    .gallery__grid { grid-template-rows: 220px 220px; gap: 14px; }
  }

  @media(max-width:767px) {
    .ff-sec { padding: 64px 0; }
    .ff-wrap { padding: 0 20px; }
    .ff-h2 { font-size: clamp(24px, 6vw, 32px); }
    .ff-body { font-size: 15px; }
    .ff-label { font-size: 10px; padding: 5px 14px; letter-spacing: 2px; }
    .ff-rule { width: 40px; margin: 16px auto 24px; }
    .btn { padding: 12px 24px; font-size: 14px; gap: 8px; }
    .hero { min-height: auto; }
    .hero__inner { padding: 40px 0 36px; gap: 40px; }
    .hero__eyebrow { font-size: 11px; padding: 6px 14px; }
    .hero__title { font-size: clamp(28px, 7vw, 40px); margin-bottom: 18px; }
    .hero__sub { font-size: 15px; margin-bottom: 28px; }
    .hero__btns { gap: 12px; }
    .hero__btns .btn { width: 100%; justify-content: center; }
    .hero__kpis { gap: 20px; padding-top: 28px; }
    .hero__kpi-num { font-size: 26px; }
    .hero__kpi-lbl { font-size: 11px; }
    .hero__card { padding: 24px 20px; }
    .hero__card-head { font-size: 18px; }
    .hero__card-sub { font-size: 12px; margin-bottom: 22px; }
    .ff-field { margin-bottom: 14px; }
    .ff-field label { font-size: 11px; }
    .ff-field select, .ff-field input { padding: 12px 14px; font-size: 14px; }
    .hero__geo1, .hero__geo2 { display: none; }
    .trust__item { padding: 20px 18px; gap: 14px; }
    .trust__ico { width: 42px; height: 42px; font-size: 16px; }
    .trust__lbl { font-size: 13px; }
    .trust__sub { font-size: 11px; }
    .partners { padding: 32px 0; }
    .partners__logos { gap: 24px; }
    .partners__logo { font-size: 12px; gap: 8px; }
    .partners__logo i { font-size: 20px; }
    .about__img { height: 280px; }
    .about__badge { padding: 16px 18px; bottom: -10px; left: 10px; }
    .about__badge-num { font-size: 28px; }
    .about__badge-txt { font-size: 11px; }
    .about__ring { width: 70px; height: 70px; top: -12px; right: -12px; }
    .about__check { gap: 12px; margin-bottom: 14px; }
    .about__check-ico { width: 24px; height: 24px; font-size: 10px; }
    .about__check-txt { font-size: 14px; }
    .loans__grid { margin-top: 32px; gap: 24px; }
    .loan-card__img { height: 180px; }
    .loan-card__body { padding: 20px 18px 22px; }
    .loan-card__icon { width: 46px; height: 46px; font-size: 20px; margin-bottom: 14px; }
    .loan-card__title { font-size: 19px; }
    .loan-card__list li { font-size: 13px; padding: 6px 0; }
    .stat-item { padding: 40px 16px; }
    .stat-num { font-size: 38px; }
    .stat-suf { font-size: 22px; }
    .stat-lbl { font-size: 13px; margin-top: 10px; }
    .gallery__grid { margin-top: 40px; }
    .gal-cell__label { padding: 16px 16px 14px; font-size: 13px; }
    .gal-cell__label span { font-size: 10px; }
    .process__steps { margin-top: 48px; gap: 24px; }
    .proc-step { padding: 12px 8px; }
    .proc-step__ico-wrap { width: 70px; height: 70px; font-size: 24px; margin-bottom: 16px; }
    .proc-step__num { width: 22px; height: 22px; font-size: 10px; top: -8px; right: -8px; }
    .proc-step__title { font-size: 14px; margin-bottom: 6px; }
    .proc-step__desc { font-size: 12px; }
    .img-band { min-height: auto; padding: 52px 0; }
    .img-band__title { font-size: clamp(22px, 5.5vw, 32px); margin-bottom: 14px; }
    .img-band__sub { font-size: 15px; margin-bottom: 28px; }
    .img-band__btns { gap: 12px; }
    .img-band__btns .btn { width: 100%; justify-content: center; }
    .why__img { height: 240px; }
    .why__float { right: 10px; bottom: 20px; padding: 16px 20px; }
    .why__float-num { font-size: 26px; }
    .why__float-txt { font-size: 11px; }
    .why-feat { padding: 20px; }
    .why-feat__ico { width: 42px; height: 42px; font-size: 18px; margin-bottom: 14px; }
    .why-feat__title { font-size: 15px; }
    .why-feat__text { font-size: 13px; }
    .areas__map-img { height: 200px; }
    .areas__pills { gap: 8px; margin-top: 24px; }
    .area-pill { padding: 8px 14px; font-size: 12px; gap: 6px; }
    .area-pill i { font-size: 10px; }
    .testi__grid { margin-top: 40px; }
    .testi-card { padding: 24px 20px; }
    .testi-card::before { font-size: 70px; top: 6px; right: 16px; }
    .testi-stars { font-size: 13px; margin-bottom: 14px; }
    .testi-text { font-size: 14px; margin-bottom: 20px; }
    .testi-avatar { width: 44px; height: 44px; }
    .testi-name { font-size: 14px; }
    .testi-role { font-size: 12px; }
    .faq-btn { padding: 18px 0; font-size: 15px; gap: 14px; }
    .faq-btn i { font-size: 13px; }
    .faq-body { font-size: 14px; }
    .financing__cards { gap: 12px; }
    .fin-card { padding: 18px 16px; }
    .fin-card__num { font-size: 26px; }
    .fin-card__lbl { font-size: 12px; }
    .final-cta__inner { gap: 32px; }
    .final-cta__title { font-size: clamp(20px, 5vw, 28px); }
    .final-cta__sub { font-size: 14px; }
    .cta-phone__ico { width: 44px; height: 44px; font-size: 16px; }
    .cta-phone__num { font-size: 20px; }
    .newsletter { padding: 44px 0; }
    .newsletter__text h3 { font-size: 20px; }
    .newsletter__text p { font-size: 13px; }
    .newsletter__input { padding: 12px 18px; font-size: 14px; }
    .newsletter__btn { padding: 12px 24px; font-size: 14px; }
    .cs-item { padding: 26px 20px; gap: 14px; }
    .cs-item__ico { width: 44px; height: 44px; font-size: 16px; }
    .cs-item__lbl { font-size: 10px; }
    .cs-item__val { font-size: 14px; }
    .compare__table-wrap { margin-top: 36px; }
    .compare__table th, .compare__table td { padding: 14px 16px; font-size: 13px; }
    .contact-strip { padding-bottom: 80px; }
  }

  @media(max-width:479px) {
    .ff-sec { padding: 52px 0; }
    .ff-wrap { padding: 0 16px; }
    .ff-h2 { font-size: clamp(22px, 6.5vw, 28px); }
    .hero__inner { padding: 32px 0 28px; gap: 32px; }
    .hero__title { font-size: clamp(24px, 7vw, 32px); }
    .hero__sub { font-size: 14px; }
    .hero__kpis { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .hero__kpi-num { font-size: 24px; }
    .hero__card { padding: 20px 16px; }
    .trust__item { padding: 18px 14px; }
    .trust__ico { width: 38px; height: 38px; font-size: 14px; }
    .about__img { height: 220px; }
    .about__check-txt { font-size: 13px; }
    .stat-item { padding: 32px 12px; }
    .stat-num { font-size: 32px; }
    .stat-lbl { font-size: 12px; }
    .proc-step__ico-wrap { width: 64px; height: 64px; font-size: 22px; }
    .testi-card { padding: 20px 16px; }
    .testi-text { font-size: 13px; }
    .newsletter { padding: 36px 0; }
    .newsletter__text h3 { font-size: 18px; }
    .mobile-cta { padding: 12px 16px; }
    .mobile-cta__text { font-size: 12px; }
    .mobile-cta__btn { padding: 10px 16px; font-size: 13px; }
  }