/* ============================================================
   ONE APOLLO design system. Ported from the live one-apollo.com
   (Netlify-hosted) site so this lending property matches the parent brand.
   Dark navy theme, Geist, galaxy background, blue #0071bc + gold #FBBC05.
   ============================================================ */

/* ═══ TOKENS ═══ */
:root {
  --oa-blue: #0071bc;
  --oa-blue-soft: #0088e0;
  --oa-dark: #0c1220;
  --oa-surface: #111a2a;
  --oa-surface-raised: #182338;
  --oa-gray: #333333;
  --oa-accent: #FBBC05;
  --oa-white: #f0f2f5;
  --oa-muted: #e6ebf2;
  --oa-border: rgba(255,255,255,0.08);
  --oa-err: #ff8080;
  --oa-ok: #38d39f;
  --font: 'Geist', system-ui, -apple-system, sans-serif;
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --max-w: 1320px;
}

/* ═══ RESET ═══ */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  font-family: var(--font);
  background: var(--oa-dark);
  color: var(--oa-white);
  overflow-x: hidden;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; }
::selection { background: rgba(0,113,188,0.3); }

/* ═══ GALAXY BACKGROUND ═══ */
body::before {
  content: ''; position: fixed; inset: 0; z-index: -1;
  background:
    radial-gradient(ellipse 80% 60% at 20% 10%, rgba(0,113,188,0.12) 0%, transparent 60%),
    radial-gradient(ellipse 60% 50% at 80% 30%, rgba(60,40,120,0.10) 0%, transparent 55%),
    radial-gradient(ellipse 70% 40% at 50% 80%, rgba(0,80,160,0.08) 0%, transparent 50%),
    radial-gradient(circle 2px at 15% 20%, rgba(255,255,255,0.5) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 35% 12%, rgba(255,255,255,0.4) 0%, transparent 1px),
    radial-gradient(circle 1px at 55% 8%, rgba(255,255,255,0.35) 0%, transparent 1px),
    radial-gradient(circle 2px at 75% 18%, rgba(255,255,255,0.45) 0%, transparent 1px),
    radial-gradient(circle 1px at 90% 25%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 10% 40%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1px at 28% 35%, rgba(255,255,255,0.25) 0%, transparent 1px),
    radial-gradient(circle 2px at 45% 28%, rgba(255,255,255,0.4) 0%, transparent 1px),
    radial-gradient(circle 1px at 62% 42%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 82% 38%, rgba(255,255,255,0.35) 0%, transparent 1px),
    radial-gradient(circle 1px at 5% 55%, rgba(255,255,255,0.2) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 22% 60%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1px at 40% 52%, rgba(255,255,255,0.25) 0%, transparent 1px),
    radial-gradient(circle 2px at 58% 65%, rgba(255,255,255,0.35) 0%, transparent 1px),
    radial-gradient(circle 1px at 70% 55%, rgba(255,255,255,0.2) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 88% 62%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1px at 18% 75%, rgba(255,255,255,0.2) 0%, transparent 1px),
    radial-gradient(circle 2px at 33% 82%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1px at 50% 78%, rgba(255,255,255,0.25) 0%, transparent 1px),
    radial-gradient(circle 1.5px at 68% 85%, rgba(255,255,255,0.3) 0%, transparent 1px),
    radial-gradient(circle 1px at 85% 75%, rgba(255,255,255,0.2) 0%, transparent 1px),
    radial-gradient(circle 1px at 42% 92%, rgba(255,255,255,0.25) 0%, transparent 1px),
    radial-gradient(circle 1px at 72% 95%, rgba(255,255,255,0.2) 0%, transparent 1px),
    var(--oa-dark);
}
/* grain overlay */
body::after {
  content: ''; position: fixed; inset: 0; z-index: 9000; pointer-events: none; opacity: 0.025;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* ═══ CONTAINER ═══ */
.wrap { max-width: var(--max-w); margin: 0 auto; padding: 0 clamp(24px, 4vw, 64px); }

/* ═══ NAV ═══ */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 22px 0; transition: all 0.5s var(--ease); }
.nav.scrolled { padding: 13px 0; background: rgba(10,15,20,0.88); backdrop-filter: blur(24px) saturate(1.4); -webkit-backdrop-filter: blur(24px) saturate(1.4); border-bottom: 1px solid var(--oa-border); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; }
.nav-logo { display: flex; align-items: center; gap: 10px; }
.nav-logo img { height: 30px; width: auto; display: block; }
.nav-logo .sub { font-size: 12px; font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase; color: var(--oa-blue-soft); padding-left: 12px; border-left: 1px solid var(--oa-border); }
.nav-links { display: flex; gap: 30px; align-items: center; }
.nav-links a { font-size: 13px; font-weight: 500; letter-spacing: 0.3px; color: var(--oa-muted); transition: color 0.3s var(--ease); position: relative; }
.nav-links a:not(.nav-cta-link)::after { content: ''; position: absolute; bottom: -6px; left: 0; width: 0; height: 1.5px; background: var(--oa-blue); transition: width 0.3s var(--ease); }
.nav-links a:not(.nav-cta-link):hover { color: var(--oa-white); }
.nav-links a:not(.nav-cta-link):hover::after { width: 100%; }
.nav-cta-link { padding: 10px 22px; background: var(--oa-blue); border-radius: 6px; font-size: 13px; font-weight: 600; color: #fff; transition: all 0.3s var(--ease); }
.nav-cta-link:hover { background: var(--oa-blue-soft); transform: translateY(-1px); box-shadow: 0 8px 32px rgba(0,113,188,0.2); }
.nav-cta-link:active { transform: translateY(0) scale(0.98); }
.mobile-toggle { display: none; cursor: pointer; background: none; border: none; padding: 8px; }
.mobile-toggle span { display: block; width: 22px; height: 1.5px; background: var(--oa-white); margin: 5px 0; transition: all 0.3s var(--ease); }
.mobile-nav { display: none; position: fixed; inset: 0; z-index: 99; background: rgba(10,15,20,0.97); backdrop-filter: blur(24px); flex-direction: column; align-items: center; justify-content: center; gap: 18px; }
.mobile-nav.open { display: flex; }
.mobile-nav a { font-size: 17px; font-weight: 500; color: var(--oa-muted); }
.mobile-nav a:hover { color: var(--oa-white); }

/* ═══ BUTTONS ═══ */
.btn { display: inline-flex; align-items: center; gap: 9px; padding: 14px 30px; font-family: var(--font); font-size: 14px; font-weight: 600; border-radius: 6px; cursor: pointer; border: none; transition: all 0.35s var(--ease); letter-spacing: 0.2px; }
.btn:active { transform: translateY(1px) scale(0.98); }
.btn-fill { background: var(--oa-blue); color: #fff; }
.btn-fill:hover { background: var(--oa-blue-soft); box-shadow: 0 6px 28px rgba(0,113,188,0.22); transform: translateY(-2px); }
.btn-ghost { background: transparent; border: 1px solid rgba(255,255,255,0.15); color: var(--oa-white); }
.btn-ghost:hover { border-color: var(--oa-blue); color: var(--oa-blue-soft); background: rgba(0,113,188,0.04); }
.btn .arrow { transition: transform 0.25s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }
.btn-lg { padding: 16px 36px; font-size: 15px; }

/* ═══ SECTION SHARED ═══ */
.sec { position: relative; z-index: 2; }
.sec-pad { padding: clamp(72px, 9vw, 130px) 0; }
.sec-label { font-size: 12px; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 14px; }
.sec-rule { width: 48px; height: 2px; background: var(--oa-blue); margin-bottom: 20px; }
.sec-title { font-size: clamp(28px, 3.6vw, 48px); font-weight: 800; letter-spacing: -0.025em; line-height: 1.08; text-wrap: balance; }
.sec-title span { color: var(--oa-blue); }
.sec-desc { font-size: 17px; font-weight: 400; color: var(--oa-muted); line-height: 1.7; max-width: 58ch; margin-top: 16px; }
.sec-head { max-width: 720px; margin-bottom: 56px; }

/* ═══ REVEAL ═══ */
.rv, .rv-l, .rv-r, .rv-s { opacity: 0; transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.rv { transform: translateY(32px); }
.rv-l { transform: translateX(-32px); }
.rv-r { transform: translateX(32px); }
.rv-s { transform: scale(0.96); }
.rv.in, .rv-l.in, .rv-r.in, .rv-s.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .rv, .rv-l, .rv-r, .rv-s { opacity: 1; transform: none; } html { scroll-behavior: auto; } }

/* ═══ HERO ═══ */
.hero { position: relative; min-height: 100dvh; display: grid; grid-template-columns: 1.05fr 0.95fr; align-items: center; gap: 40px; overflow: hidden; }
.hero-content { position: relative; z-index: 2; padding: 150px 0 80px; padding-left: clamp(24px, 6vw, 96px); padding-right: clamp(24px, 3vw, 48px); max-width: 760px; }
.hero-label { display: inline-flex; align-items: center; gap: 9px; font-size: 12px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 26px; }
.hero-label-dot { width: 6px; height: 6px; background: var(--oa-blue-soft); border-radius: 50%; animation: breathe 3s ease-in-out infinite; }
@keyframes breathe { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }
.hero h1 { font-size: clamp(38px, 5.4vw, 70px); font-weight: 800; line-height: 1.03; letter-spacing: -0.03em; color: var(--oa-white); margin-bottom: 22px; text-wrap: balance; }
.hero h1 span { color: var(--oa-blue); }
.hero-sub { font-size: clamp(16px, 1.4vw, 19px); color: var(--oa-muted); line-height: 1.7; max-width: 540px; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero-reassure { margin-top: 22px; display: flex; gap: 22px; flex-wrap: wrap; font-size: 13.5px; color: var(--oa-muted); }
.hero-reassure span { display: inline-flex; align-items: center; gap: 7px; }
.hero-reassure .ck { color: var(--oa-ok); font-weight: 700; }

/* hero visual card (replaces video) */
.hero-visual { position: relative; z-index: 2; padding-right: clamp(24px, 6vw, 96px); display: flex; justify-content: center; }
.qualify-card { width: 100%; max-width: 380px; background: linear-gradient(155deg, rgba(24,35,56,0.9) 0%, rgba(17,26,42,0.85) 100%); border: 1px solid var(--oa-border); border-radius: 20px; padding: 30px; backdrop-filter: blur(16px); box-shadow: 0 24px 70px rgba(0,0,0,0.45), 0 0 50px rgba(0,113,188,0.08); position: relative; overflow: hidden; }
.qualify-card::after { content: ''; position: absolute; top: -50px; right: -50px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, rgba(251,188,5,0.18), transparent 65%); pointer-events: none; }
.qualify-card .qc-label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 10px; }
.qualify-card .qc-amount { font-size: 40px; font-weight: 900; letter-spacing: -0.02em; color: var(--oa-white); line-height: 1; margin-bottom: 4px; font-variant-numeric: tabular-nums; }
.qualify-card .qc-amount .pre { color: var(--oa-blue); }
.qualify-card .qc-range { font-size: 13px; color: var(--oa-muted); margin-bottom: 24px; }
.qualify-card .qc-list { display: flex; flex-direction: column; gap: 14px; margin-bottom: 26px; }
.qualify-card .qc-item { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--oa-muted); }
.qualify-card .qc-item .tick { width: 22px; height: 22px; border-radius: 50%; background: rgba(0,113,188,0.15); color: var(--oa-blue-soft); display: grid; place-items: center; font-size: 12px; font-weight: 700; flex-shrink: 0; }
.qualify-card .btn { width: 100%; justify-content: center; }

/* ═══ STAT / TRUST STRIP ═══ */
.trust { border-top: 1px solid var(--oa-border); border-bottom: 1px solid var(--oa-border); background: rgba(17,24,32,0.5); backdrop-filter: blur(8px); position: relative; z-index: 2; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-cell { padding: 30px clamp(20px,3vw,40px); border-left: 1px solid var(--oa-border); transition: background 0.4s var(--ease); }
.trust-cell:first-child { border-left: none; }
.trust-cell:hover { background: rgba(0,113,188,0.03); }
.trust-cell .big { font-size: clamp(22px, 2.4vw, 30px); font-weight: 900; letter-spacing: -0.02em; color: var(--oa-white); line-height: 1.05; }
.trust-cell .big .ac { color: var(--oa-blue); }
.trust-cell .lbl { font-size: 13px; color: var(--oa-muted); margin-top: 7px; }
@media (max-width: 760px) { .trust-grid { grid-template-columns: 1fr 1fr; } .trust-cell:nth-child(3) { border-left: none; } .trust-cell:nth-child(n+3) { border-top: 1px solid var(--oa-border); } }

/* ═══ CARD GRID (use cases) ═══ */
.cardgrid { display: grid; gap: 18px; grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .cardgrid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 580px) { .cardgrid { grid-template-columns: 1fr; } }
.ucard { background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 16px; padding: 28px; transition: border-color 0.4s var(--ease), box-shadow 0.4s var(--ease), transform 0.4s var(--ease); }
.ucard:hover { border-color: rgba(0,113,188,0.25); box-shadow: 0 0 40px rgba(251,188,5,0.07), inset 0 0 25px rgba(251,188,5,0.02); transform: translateY(-4px); }
.ucard .ic { width: 46px; height: 46px; border-radius: 12px; background: rgba(0,113,188,0.12); color: var(--oa-blue-soft); display: grid; place-items: center; font-size: 21px; margin-bottom: 18px; }
.ucard h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--oa-white); }
.ucard p { font-size: 14.5px; color: var(--oa-muted); line-height: 1.6; }

/* ═══ PRODUCT LIST ═══ */
.plist { display: grid; gap: 16px; grid-template-columns: repeat(2, 1fr); }
@media (max-width: 760px) { .plist { grid-template-columns: 1fr; } }
.prod { display: flex; gap: 16px; padding: 24px; border: 1px solid var(--oa-border); border-radius: 14px; background: rgba(17,26,42,0.4); transition: border-color 0.35s var(--ease), background 0.35s var(--ease); }
.prod:hover { border-color: rgba(0,113,188,0.3); background: rgba(0,113,188,0.04); }
.prod .bar { flex: 0 0 auto; width: 4px; border-radius: 4px; background: var(--oa-accent); }
.prod h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; color: var(--oa-white); }
.prod p { font-size: 14px; color: var(--oa-muted); line-height: 1.6; }

/* ═══ STEPS ═══ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }
.step { padding: 30px 26px; background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 16px; transition: box-shadow 0.4s var(--ease); }
.step:hover { box-shadow: 0 0 40px rgba(0,113,188,0.08); }
.step .num { width: 40px; height: 40px; border-radius: 50%; background: var(--oa-blue); color: #fff; font-weight: 700; display: grid; place-items: center; margin-bottom: 18px; }
.step h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--oa-white); }
.step p { font-size: 14.5px; color: var(--oa-muted); line-height: 1.6; }

/* ═══ BAND (gradient CTA) ═══ */
.band { background: linear-gradient(135deg, rgba(0,113,188,0.18) 0%, rgba(251,188,5,0.06) 100%); border: 1px solid rgba(0,113,188,0.2); border-radius: 22px; padding: clamp(36px, 5vw, 60px); position: relative; overflow: hidden; }
.band::after { content: ''; position: absolute; right: -60px; top: -60px; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(251,188,5,0.18), transparent 65%); pointer-events: none; }
.band h2 { font-size: clamp(26px, 3.4vw, 42px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.1; color: var(--oa-white); position: relative; }
.band p { color: var(--oa-muted); font-size: 17px; margin-top: 16px; max-width: 62ch; line-height: 1.7; position: relative; }
.band .btn { margin-top: 28px; position: relative; }

/* ═══ QUALIFY BAR ═══ */
.qbar { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 16px; padding: 32px clamp(24px,3vw,40px); }
.qbar .ql { font-size: 18px; font-weight: 700; color: var(--oa-white); }
.qbar .qs { font-size: 14.5px; color: var(--oa-muted); margin-top: 5px; max-width: 60ch; }

/* ═══ FAQ ═══ */
.faq { max-width: 840px; margin: 0 auto; }
.qa { border-bottom: 1px solid var(--oa-border); }
.qa button.q { width: 100%; text-align: left; background: none; border: 0; padding: 22px 4px; font-size: 16.5px; font-weight: 600; color: var(--oa-white); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-family: var(--font); transition: color 0.2s; }
.qa button.q:hover { color: var(--oa-blue-soft); }
.qa .chev { color: var(--oa-blue-soft); transition: transform 0.25s var(--ease); flex: 0 0 auto; font-size: 22px; font-weight: 400; }
.qa.open .chev { transform: rotate(45deg); }
.qa .a { max-height: 0; overflow: hidden; transition: max-height 0.3s var(--ease); }
.qa .a p { padding: 0 4px 24px; color: var(--oa-muted); font-size: 15px; line-height: 1.7; }

/* ═══ FINAL CTA ═══ */
.final { text-align: center; padding: clamp(80px, 10vw, 130px) 0; }
.final h2 { font-size: clamp(30px, 4vw, 50px); font-weight: 800; letter-spacing: -0.025em; margin-bottom: 16px; color: var(--oa-white); }
.final h2 span { color: var(--oa-blue); }
.final p { color: var(--oa-muted); font-size: 17px; max-width: 540px; margin: 0 auto 32px; }

/* ═══ FOOTER ═══ */
footer { position: relative; z-index: 2; padding: 72px 0 32px; border-top: 1px solid var(--oa-border); background: var(--oa-dark); }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 48px; padding-bottom: 44px; border-bottom: 1px solid var(--oa-border); }
.footer-brand { display: flex; flex-direction: column; gap: 18px; align-items: flex-start; }
.footer-brand img { height: 30px; width: auto; opacity: 0.8; object-fit: contain; }
.footer-tagline { font-size: 14px; color: var(--oa-muted); line-height: 1.6; max-width: 34ch; }
.footer-address { font-size: 13px; color: rgba(255,255,255,0.3); line-height: 1.6; font-style: normal; }
.footer-socials { display: flex; gap: 12px; margin-top: 4px; }
.footer-socials a { display: flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 8px; border: 1px solid var(--oa-border); color: var(--oa-muted); transition: all 0.3s var(--ease); }
.footer-socials a:hover { border-color: var(--oa-blue); color: var(--oa-blue-soft); background: rgba(0,113,188,0.06); }
.footer-socials svg { width: 16px; height: 16px; fill: currentColor; }
.footer-col-title { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--oa-white); margin-bottom: 18px; }
.footer-col a { display: block; font-size: 14px; color: var(--oa-muted); padding: 5px 0; transition: color 0.3s; }
.footer-col a:hover { color: var(--oa-blue-soft); }
.footer-disclosure { font-size: 12px; color: rgba(255,255,255,0.3); line-height: 1.7; padding: 28px 0; border-bottom: 1px solid var(--oa-border); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; padding-top: 26px; }
.footer-copy { font-size: 12px; color: rgba(255,255,255,0.25); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 11px; color: rgba(255,255,255,0.25); transition: color 0.3s; }
.footer-legal a:hover { color: var(--oa-muted); }
@media (max-width: 768px) { .footer-top { grid-template-columns: 1fr 1fr; gap: 36px; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer-top { grid-template-columns: 1fr; } .footer-bottom { flex-direction: column; align-items: center; text-align: center; } }

/* ═══ RESPONSIVE (nav + hero) ═══ */
@media (max-width: 1024px) { .hero { grid-template-columns: 1fr; } .hero-visual { display: none; } .hero-content { max-width: 640px; } }
@media (max-width: 768px) { .nav-links { display: none; } .mobile-toggle { display: block; } .hero-content { padding: 120px 24px 60px; } }

/* ============================================================
   APPLICATION FORM (apply.html). Same design language, dark.
   ============================================================ */
.app-bar { position: sticky; top: 0; z-index: 30; background: rgba(10,15,20,0.9); backdrop-filter: blur(20px); border-bottom: 1px solid var(--oa-border); }
.app-bar .in { max-width: 780px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; }
.app-bar .nav-logo img { height: 26px; }
.app-bar .secure { font-size: 12px; color: var(--oa-muted); display: flex; align-items: center; gap: 7px; }

.progress-wrap { max-width: 780px; margin: 0 auto; padding: 0 20px; }
.progress { height: 5px; background: rgba(255,255,255,0.08); border-radius: 999px; margin-top: 24px; overflow: hidden; }
.progress .fill { height: 100%; width: 9%; background: linear-gradient(90deg, var(--oa-blue), var(--oa-blue-soft)); border-radius: 999px; transition: width 0.35s var(--ease); }
.step-count { font-size: 12.5px; color: var(--oa-muted); margin-top: 10px; font-weight: 500; }

.app-main { max-width: 780px; margin: 0 auto; padding: 8px 20px 90px; }
.panel { display: none; }
.panel.active { display: block; animation: panelfade 0.4s var(--ease); }
@keyframes panelfade { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }
.q-title { font-size: clamp(22px, 3.4vw, 32px); font-weight: 800; letter-spacing: -0.025em; margin: 30px 0 8px; line-height: 1.15; color: var(--oa-white); }
.q-help { color: var(--oa-muted); font-size: 15px; margin-bottom: 26px; line-height: 1.6; }

/* option cards */
.opts { display: grid; gap: 12px; }
.opts.cols { grid-template-columns: repeat(2, 1fr); }
.opts.two { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 520px) { .opts.cols, .opts.two { grid-template-columns: 1fr; } }
.opt { position: relative; }
.opt input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.opt label { display: flex; align-items: center; gap: 12px; padding: 16px 18px; border: 1.5px solid var(--oa-border); border-radius: 12px; background: rgba(24,35,56,0.4); cursor: pointer; font-weight: 600; font-size: 15.5px; color: var(--oa-white); transition: all 0.2s var(--ease); }
.opt label .em { font-size: 19px; }
.opt input:checked + label { border-color: var(--oa-blue); background: rgba(0,113,188,0.12); box-shadow: 0 0 0 3px rgba(0,113,188,0.18); }
.opt input:focus-visible + label { border-color: var(--oa-blue-soft); }
.opt label:hover { border-color: rgba(0,113,188,0.4); }

/* text fields */
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.grid3 { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .grid2, .grid3 { grid-template-columns: 1fr; } }
.field { margin-bottom: 16px; }
.field label.lab { display: block; font-size: 13.5px; font-weight: 600; color: var(--oa-white); margin-bottom: 8px; }
.field label.lab .opt-tag { color: var(--oa-muted); font-weight: 500; }
input.txt, select.txt, textarea.txt {
  width: 100%; padding: 13px 14px; border: 1.5px solid var(--oa-border); border-radius: 10px; font-size: 15px;
  font-family: var(--font); color: var(--oa-white); background: rgba(255,255,255,0.03); outline: none; transition: all 0.2s var(--ease);
}
input.txt::placeholder, textarea.txt::placeholder { color: rgba(230,235,242,0.4); }
select.txt option { background: var(--oa-surface-raised); color: var(--oa-white); }
textarea.txt { min-height: 120px; resize: vertical; line-height: 1.6; }
input.txt:focus, select.txt:focus, textarea.txt:focus { border-color: var(--oa-blue); box-shadow: 0 0 0 3px rgba(0,113,188,0.2); background: rgba(255,255,255,0.05); }
input.txt.invalid, select.txt.invalid, textarea.txt.invalid { border-color: var(--oa-err); box-shadow: 0 0 0 3px rgba(255,128,128,0.15); }
.hint { font-size: 12.5px; color: var(--oa-muted); margin-top: 7px; }
.hint.lock { display: flex; align-items: center; gap: 6px; }

/* soft note */
.softnote { background: rgba(251,188,5,0.08); border: 1px solid rgba(251,188,5,0.25); color: #f6d98a; border-radius: 10px; padding: 12px 14px; font-size: 13.5px; margin-top: 14px; display: none; line-height: 1.55; }
.softnote.show { display: block; }

/* consent */
.consent { display: flex; gap: 13px; padding: 16px; border: 1.5px solid var(--oa-border); border-radius: 12px; background: rgba(255,255,255,0.02); margin-bottom: 14px; }
.consent input { margin-top: 3px; width: 18px; height: 18px; flex: 0 0 auto; accent-color: var(--oa-blue); }
.consent p { font-size: 13px; color: var(--oa-muted); line-height: 1.6; }
.consent p strong { color: var(--oa-white); }
.consent.invalid { border-color: var(--oa-err); }

/* nav row */
.navrow { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: 32px; }
.err-line { color: var(--oa-err); font-size: 13.5px; min-height: 18px; flex: 1; }
.btn-back { background: transparent; color: var(--oa-muted); padding: 14px 8px; border: 0; font-family: var(--font); font-size: 15.5px; font-weight: 600; cursor: pointer; transition: color 0.2s; }
.btn-back:hover { color: var(--oa-white); }
.btn-back.hide { visibility: hidden; }
.btn-fill:disabled { opacity: 0.6; cursor: default; transform: none; }

/* success */
#done { display: none; text-align: center; padding: 80px 10px; }
#done .ring { width: 78px; height: 78px; border-radius: 50%; background: rgba(56,211,159,0.12); color: var(--oa-ok); display: grid; place-items: center; margin: 0 auto 24px; font-size: 38px; border: 1px solid rgba(56,211,159,0.3); }
#done h2 { font-size: 30px; font-weight: 800; margin-bottom: 14px; letter-spacing: -0.02em; color: var(--oa-white); }
#done p { color: var(--oa-muted); font-size: 16px; max-width: 480px; margin: 0 auto 8px; line-height: 1.6; }

/* ============================================================
   MULTI-PAGE ADDITIONS: nav dropdown, interior page heroes,
   product detail, cost explainer, team. Same dark design language.
   ============================================================ */

/* ═══ NAV DROPDOWN ═══ */
.nav-drop { position: relative; }
.nav-drop > .nav-drop-trigger { display: inline-flex; align-items: center; gap: 6px; cursor: pointer; }
.nav-drop .caret { font-size: 10px; color: var(--oa-blue-soft); transition: transform 0.3s var(--ease); }
.nav-drop:hover .caret { transform: rotate(180deg); }
.nav-drop-menu {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(10px);
  margin-top: 14px; min-width: 640px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px 26px;
  background: rgba(12,18,30,0.97); backdrop-filter: blur(24px) saturate(1.4); -webkit-backdrop-filter: blur(24px) saturate(1.4);
  border: 1px solid var(--oa-border); border-radius: 16px; padding: 24px 26px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.5);
  opacity: 0; visibility: hidden; pointer-events: none; transition: opacity 0.28s var(--ease), transform 0.28s var(--ease);
}
.nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu {
  opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0);
}
.ndm-group { display: flex; flex-direction: column; }
.ndm-title { font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--oa-blue-soft); padding: 0 10px 8px; margin-bottom: 4px; border-bottom: 1px solid var(--oa-border); }
.nav-drop-menu a { display: block; font-size: 13.5px; font-weight: 500; color: var(--oa-muted); padding: 8px 10px; border-radius: 8px; transition: all 0.2s var(--ease); }
.nav-drop-menu a::after { display: none; }
.nav-drop-menu a:hover { color: var(--oa-white); background: rgba(0,113,188,0.1); }
.nav-drop-menu a .soon { font-size: 10px; font-weight: 600; letter-spacing: 0.5px; color: var(--oa-accent); margin-left: 6px; opacity: 0.8; }

/* mobile nav grouped */
.mnav-group { width: 100%; max-width: 320px; text-align: center; }
.mnav-group-title { font-size: 13px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--oa-blue-soft); cursor: pointer; padding: 10px 0; }
.mnav-group .mnav-sub { display: none; flex-direction: column; gap: 10px; padding: 6px 0 12px; }
.mnav-group.open .mnav-sub { display: flex; }
.mnav-group .mnav-sub a { font-size: 15px; color: var(--oa-muted); }

/* ═══ INTERIOR PAGE HERO ═══ */
.subhero { position: relative; z-index: 2; padding: clamp(130px, 16vw, 180px) 0 clamp(40px, 6vw, 70px); }
.subhero .crumb { font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 18px; display: flex; gap: 8px; align-items: center; }
.subhero .crumb a { color: var(--oa-blue-soft); }
.subhero .crumb a:hover { color: var(--oa-white); }
.subhero .crumb .sep { color: rgba(255,255,255,0.25); }
.subhero h1 { font-size: clamp(34px, 5vw, 62px); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; color: var(--oa-white); margin-bottom: 20px; text-wrap: balance; max-width: 18ch; }
.subhero h1 span { color: var(--oa-blue); }
.subhero .lead { font-size: clamp(16px, 1.5vw, 20px); color: var(--oa-muted); line-height: 1.7; max-width: 60ch; margin-bottom: 30px; }
.subhero .actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.subhero .pill { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 18px; }
.subhero .pill .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--oa-blue-soft); }

/* ═══ TWO-COLUMN PRODUCT BODY ═══ */
.pbody { display: grid; grid-template-columns: 1.5fr 0.9fr; gap: 40px; align-items: start; }
@media (max-width: 900px) { .pbody { grid-template-columns: 1fr; } }
.pbody .maincol h2 { font-size: clamp(22px, 2.6vw, 30px); font-weight: 800; letter-spacing: -0.02em; color: var(--oa-white); margin: 0 0 14px; }
.pbody .maincol h2:not(:first-child) { margin-top: 40px; }
.pbody .maincol p { font-size: 16px; color: var(--oa-muted); line-height: 1.75; margin-bottom: 16px; }
.flist { list-style: none; display: flex; flex-direction: column; gap: 14px; margin: 18px 0 8px; }
.flist li { display: flex; gap: 12px; font-size: 15.5px; color: var(--oa-muted); line-height: 1.6; }
.flist li .ck { flex: 0 0 auto; width: 22px; height: 22px; border-radius: 50%; background: rgba(0,113,188,0.15); color: var(--oa-blue-soft); display: grid; place-items: center; font-size: 12px; font-weight: 700; margin-top: 1px; }

/* specs / qualification side panel */
.specbox { position: sticky; top: 96px; background: linear-gradient(155deg, rgba(24,35,56,0.9), rgba(17,26,42,0.85)); border: 1px solid var(--oa-border); border-radius: 20px; padding: 28px; box-shadow: 0 24px 70px rgba(0,0,0,0.4); }
.specbox .sb-title { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--oa-blue-soft); margin-bottom: 18px; }
.specrow { display: flex; justify-content: space-between; gap: 14px; padding: 13px 0; border-bottom: 1px solid var(--oa-border); }
.specrow:last-of-type { border-bottom: none; }
.specrow .k { font-size: 13.5px; color: var(--oa-muted); }
.specrow .v { font-size: 14px; font-weight: 700; color: var(--oa-white); text-align: right; }
.specbox .btn { width: 100%; justify-content: center; margin-top: 20px; }
.specbox .sb-note { font-size: 12px; color: rgba(255,255,255,0.4); line-height: 1.55; margin-top: 14px; text-align: center; }
.netbadge { display: inline-flex; align-items: center; gap: 7px; font-size: 12px; font-weight: 600; color: var(--oa-accent); background: rgba(251,188,5,0.08); border: 1px solid rgba(251,188,5,0.25); border-radius: 999px; padding: 5px 12px; margin-bottom: 16px; }

/* ═══ COST EXPLAINER ═══ */
.costbox { background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 18px; padding: clamp(26px, 4vw, 40px); }
.costbox .ex { background: rgba(0,113,188,0.06); border: 1px dashed rgba(0,113,188,0.35); border-radius: 12px; padding: 20px 22px; margin: 20px 0; }
.costbox .ex .extag { font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--oa-accent); margin-bottom: 10px; }
.costbox .ex .calc { font-size: clamp(18px, 2.4vw, 24px); font-weight: 800; color: var(--oa-white); letter-spacing: -0.01em; font-variant-numeric: tabular-nums; }
.costbox .ex .calc .op { color: var(--oa-blue-soft); padding: 0 6px; }
.costbox .ex small { display: block; font-size: 12.5px; color: rgba(255,255,255,0.45); margin-top: 10px; }

/* ═══ TEAM ═══ */
.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 860px) { .team { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .team { grid-template-columns: 1fr; } }
.member { background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 18px; padding: 26px; transition: border-color 0.4s var(--ease), transform 0.4s var(--ease); }
.member:hover { border-color: rgba(0,113,188,0.25); transform: translateY(-4px); }
.member .photo { width: 84px; height: 84px; border-radius: 50%; object-fit: cover; border: 2px solid var(--oa-border); margin-bottom: 18px; background: rgba(0,113,188,0.1); display: grid; place-items: center; color: var(--oa-blue-soft); font-size: 28px; font-weight: 800; }
.member h3 { font-size: 18px; font-weight: 700; color: var(--oa-white); margin-bottom: 3px; }
.member .role { font-size: 13px; font-weight: 600; color: var(--oa-blue-soft); letter-spacing: 0.3px; margin-bottom: 12px; }
.member p { font-size: 14px; color: var(--oa-muted); line-height: 1.65; }
.member.placeholder { border-style: dashed; opacity: 0.7; }

/* single leader / head-of-lending profile */
.leader { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: clamp(28px, 4vw, 48px); align-items: center; background: linear-gradient(155deg, rgba(24,35,56,0.85), rgba(17,26,42,0.8)); border: 1px solid var(--oa-border); border-radius: 24px; padding: clamp(24px, 3.5vw, 44px); box-shadow: 0 30px 80px rgba(0,0,0,0.4); position: relative; overflow: hidden; }
.leader::after { content: ''; position: absolute; top: -60px; right: -60px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(251,188,5,0.12), transparent 65%); pointer-events: none; }
.leader .lphoto { width: 100%; aspect-ratio: 1/1; object-fit: cover; border-radius: 18px; border: 1px solid var(--oa-border); display: block; }
.leader .linfo { position: relative; z-index: 1; }
.leader .lname { font-size: clamp(24px, 3vw, 34px); font-weight: 800; letter-spacing: -0.025em; color: var(--oa-white); line-height: 1.1; }
.leader .lrole { font-size: 13px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--oa-blue-soft); margin: 8px 0 16px; }
.leader p { font-size: 15.5px; color: var(--oa-muted); line-height: 1.75; margin-bottom: 14px; }
.leader .lchips { display: flex; flex-wrap: wrap; gap: 9px; margin: 18px 0 6px; }
.leader .lchip { font-size: 12px; font-weight: 600; color: var(--oa-muted); background: rgba(255,255,255,0.04); border: 1px solid var(--oa-border); border-radius: 999px; padding: 6px 13px; }
.leader .lcontact { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--oa-blue-soft); margin-top: 14px; }
.leader .lcontact:hover { color: var(--oa-white); }
@media (max-width: 760px) { .leader { grid-template-columns: 1fr; text-align: left; } .leader .lphoto { max-width: 280px; } }

/* ═══ DISCLOSURE / DOC PAGES ═══ */
.doc2 { max-width: 880px; margin: 0 auto; }
.doc2 h2 { font-size: 20px; font-weight: 700; color: var(--oa-white); margin: 36px 0 12px; }
.doc2 p { font-size: 15.5px; color: var(--oa-muted); line-height: 1.75; margin-bottom: 14px; }
.doc2 ul { margin: 0 0 16px 20px; color: var(--oa-muted); font-size: 15.5px; line-height: 1.8; }
.doc2 a { color: var(--oa-blue-soft); }

/* solutions grid groups */
.solgroup { margin-bottom: 56px; }
.solgroup .sg-head { display: flex; align-items: baseline; gap: 14px; margin-bottom: 22px; }
.solgroup .sg-head h2 { font-size: clamp(20px, 2.4vw, 27px); font-weight: 800; letter-spacing: -0.02em; color: var(--oa-white); }
.solgroup .sg-head .sg-sub { font-size: 14px; color: var(--oa-muted); }
.solcard { display: flex; flex-direction: column; background: rgba(24,35,56,0.45); border: 1px solid var(--oa-border); border-radius: 16px; padding: 26px; transition: border-color 0.4s var(--ease), box-shadow 0.4s var(--ease), transform 0.4s var(--ease); }
.solcard:hover { border-color: rgba(0,113,188,0.25); box-shadow: 0 0 40px rgba(0,113,188,0.07); transform: translateY(-4px); }
.solcard .ic { width: 44px; height: 44px; border-radius: 12px; background: rgba(0,113,188,0.12); color: var(--oa-blue-soft); display: grid; place-items: center; font-size: 20px; margin-bottom: 16px; }
.solcard h3 { font-size: 17px; font-weight: 700; color: var(--oa-white); margin-bottom: 8px; display: flex; align-items: center; gap: 8px; }
.solcard h3 .soon { font-size: 10px; font-weight: 600; letter-spacing: 0.5px; color: var(--oa-accent); background: rgba(251,188,5,0.1); border: 1px solid rgba(251,188,5,0.25); border-radius: 999px; padding: 2px 8px; }
.solcard p { font-size: 14px; color: var(--oa-muted); line-height: 1.6; margin-bottom: 16px; flex: 1; }
.solcard .more { font-size: 13.5px; font-weight: 600; color: var(--oa-blue-soft); display: inline-flex; align-items: center; gap: 6px; }
.solcard .more .arrow { transition: transform 0.25s var(--ease); }
.solcard:hover .more .arrow { transform: translateX(4px); }