/* =============================================================================
   Loan KL Center — Design System v3 (brand: deep navy · gold · white)
   Fonts: Plus Jakarta Sans (display) + Inter (body). 8px spacing system.
   ============================================================================= */

:root {
  /* Brand — sampled to the supplied navy+gold logo */
  --navy-950:#05203f; --navy-900:#0b2f5b; --navy-800:#123f70; --navy-700:#1a4d82;
  --gold-600:#c68d10; --gold-500:#e6a817; --gold-400:#f0b72b; --gold-050:#fdf4de; --gold-text:#8a6100;
  --white:#ffffff; --surface:#f5f8fc; --surface-blue:#edf4fb;
  --text:#142638; --text-muted:#5b6c7d; --border:#dce5ee; --border-strong:#c6d4e2;
  --success:#18794e; --success-050:#e8f4ee; --error:#b42318; --error-050:#fbecea; --teal:#0e7c86;
  --ring:#1a4d82;

  --r-sm:10px; --r:14px; --r-lg:16px;
  --sh-sm:0 1px 2px rgba(11,47,91,.06), 0 1px 3px rgba(11,47,91,.08);
  --sh:0 8px 24px rgba(11,47,91,.10), 0 3px 8px rgba(11,47,91,.06);
  --sh-lg:0 24px 60px rgba(5,32,63,.20), 0 10px 24px rgba(5,32,63,.10);

  --container:1220px;

  --fs-h1:clamp(2rem, 1.35rem + 2.9vw, 3.15rem);
  --fs-h2:clamp(1.6rem, 1.2rem + 1.7vw, 2.3rem);
  --fs-h3:clamp(1.15rem, 1.03rem + 0.55vw, 1.4rem);
  --fs-lead:clamp(1.02rem, .98rem + 0.28vw, 1.15rem);

  --font:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Arial, sans-serif;
  --font-head:'Plus Jakarta Sans', var(--font);
}

*,*::before,*::after{box-sizing:border-box}
*{margin:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;overflow-x:clip;scroll-padding-top:88px}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}}
body{font-family:var(--font);color:var(--text);background:var(--white);line-height:1.6;font-size:1rem;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:clip}
img,svg,video{display:block;max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy-900);line-height:1.15;font-weight:800;letter-spacing:-.015em}
h1{font-size:var(--fs-h1)} h2{font-size:var(--fs-h2)} h3{font-size:var(--fs-h3);font-weight:700}
p{color:var(--text)}
a{color:var(--navy-800);text-decoration:none}
a:hover{color:var(--navy-900);text-decoration:underline}
strong{color:var(--navy-900)}
ul,ol{padding-left:1.15rem}
.micro{font-size:.8rem;color:var(--text-muted);margin-top:.6rem}

/* A11y */
.skip-link{position:absolute;left:8px;top:-60px;z-index:200;background:var(--navy-900);color:#fff;padding:.6rem 1rem;border-radius:var(--r-sm);transition:top .15s ease}
.skip-link:focus{top:8px;color:#fff;text-decoration:none}
:where(a,button,input,select,textarea,summary,[tabindex]):focus-visible{outline:3px solid var(--ring);outline-offset:2px;border-radius:4px}
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* Layout */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:clamp(1.35rem,4vw,2rem)}
.section{padding-block:clamp(3.5rem,7vw,6.5rem)}
.section--surface{background:var(--surface)}
.section--blue{background:var(--surface-blue)}
.section__head{max-width:54rem;margin-bottom:clamp(2rem,4vw,3rem)}
.section__head h2{margin-top:.35rem}
.section__head .lead{margin-top:.75rem}
.section__head.center{margin-inline:auto;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--font);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.85rem}
.eyebrow::before{content:"";width:24px;height:2px;background:var(--gold-500)}
.eyebrow.center::after{content:"";width:24px;height:2px;background:var(--gold-500)}
.eyebrow--light{color:var(--gold-400)} .eyebrow--light::before,.eyebrow--light.center::after{background:var(--gold-400)}
.lead{font-size:var(--fs-lead);color:var(--text-muted)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--font);font-weight:700;font-size:.98rem;line-height:1;min-height:48px;padding:.85rem 1.5rem;border-radius:var(--r-sm);cursor:pointer;text-align:center;border:1.5px solid transparent;transition:transform .06s ease,background .15s ease,box-shadow .15s ease;text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--gold-500);color:var(--navy-950);border-color:var(--gold-500);box-shadow:0 6px 16px rgba(230,168,23,.28)}
.btn--primary:hover{background:var(--gold-400);border-color:var(--gold-400);color:var(--navy-950);text-decoration:none}
.btn--navy{background:var(--navy-900);color:#fff;border-color:var(--navy-900)}
.btn--navy:hover{background:var(--navy-800);border-color:var(--navy-800);color:#fff;text-decoration:none}
.btn--outline{background:transparent;color:var(--navy-900);border-color:var(--border-strong)}
.btn--outline:hover{background:var(--surface);color:var(--navy-900);text-decoration:none}
.btn--outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn--outline-light:hover{background:rgba(255,255,255,.12);color:#fff;text-decoration:none}
/* .btn--whatsapp removed — palette kept to navy + gold + white */
.btn--lg{padding:1.05rem 1.8rem;font-size:1.05rem}
.btn--block{width:100%}
.btn[aria-disabled="true"],.btn.is-loading{opacity:.7;pointer-events:none}
.btn .spinner{width:1.05em;height:1.05em;border:2px solid rgba(255,255,255,.5);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}
.btn--primary .spinner{border-color:rgba(5,32,63,.35);border-top-color:var(--navy-950)}
@keyframes spin{to{transform:rotate(360deg)}}
.link-arrow{font-weight:700;display:inline-flex;align-items:center;gap:.4rem;color:var(--navy-800)}
.link-arrow svg{transition:transform .15s ease}
.link-arrow:hover svg{transform:translateX(3px)}
.icon{width:1.25rem;height:1.25rem;flex:none}

/* Brand lockup (STAND-IN — replace .brand-emblem/.brand-word with supplied logo asset) */
.brand{display:inline-flex;align-items:center;gap:.65rem;text-decoration:none}
.brand:hover{text-decoration:none}
.brand-emblem{width:46px;height:auto;flex:none}
.brand-word{display:flex;flex-direction:column;line-height:1;font-family:var(--font-head)}
.brand-word .w1{font-size:.72rem;font-weight:700;letter-spacing:.34em;color:var(--gold-600)}
.brand-word .w2{font-size:1.28rem;font-weight:800;letter-spacing:-.01em;color:var(--navy-900);margin-top:.15rem}
.footer-brand .brand-word .w2{color:#fff}

/* Top bar */
.topbar{background:var(--navy-950);color:#c7d6e8;font-size:.82rem}
.topbar .container{display:flex;gap:1.1rem;align-items:center;justify-content:space-between;padding-block:.5rem;flex-wrap:wrap}
.topbar a{color:#eaf2fb}
.topbar__meta{display:flex;gap:1.2rem;align-items:center;flex-wrap:wrap}
.topbar__meta span{display:inline-flex;align-items:center;gap:.4rem}
.topbar__meta .icon{width:.9rem;height:.9rem;color:var(--gold-400)}
@media (max-width:1024px){.topbar{display:none}}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--border);transition:box-shadow .2s ease}
.site-header.is-scrolled{box-shadow:var(--sh)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px}
.primary-nav{display:flex;align-items:center;gap:.1rem}
.primary-nav a{color:var(--navy-900);font-weight:600;font-size:.93rem;padding:.55rem .7rem;border-radius:var(--r-sm)}
.primary-nav a:hover{background:var(--surface);text-decoration:none;color:var(--navy-800)}
.primary-nav a[aria-current="page"]{color:var(--gold-text)}
.header-actions{display:flex;align-items:center;gap:.6rem}
.lang-toggle{display:inline-flex;border:1.5px solid var(--border-strong);border-radius:999px;overflow:hidden;background:#fff;flex:none}
.lang-toggle button{appearance:none;-webkit-appearance:none;border:0;background:transparent;font-family:var(--font);font-weight:700;font-size:.76rem;letter-spacing:.02em;color:var(--navy-800);padding:.35rem .66rem;min-height:36px;line-height:1;cursor:pointer;transition:background .15s ease,color .15s ease}
.lang-toggle button.is-active{background:var(--navy-900);color:#fff}
.lang-toggle button:not(.is-active):hover{background:var(--surface-blue)}
.lang-toggle button:focus-visible{outline:2px solid var(--gold-500);outline-offset:2px}
.nav-toggle{display:none}
.nav-close{display:none}
.nav-apply{display:none}

/* Hero — inset photo card with gaps above (header) and below (stats) */
.hero{background:var(--surface);padding-block:clamp(1.25rem,3vw,2.25rem) clamp(2rem,5vw,3.5rem)}
.hero__card{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);background-color:var(--navy-900)}
.hero__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center right;z-index:0}
.hero__card::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(5,32,63,.92) 0%,rgba(5,32,63,.8) 34%,rgba(5,32,63,.42) 64%,rgba(5,32,63,.12) 100%)}
.hero__grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,600px);align-items:center;padding:clamp(1.75rem,4vw,3.25rem);min-height:clamp(430px,48vw,540px)}
.hero__copy{color:#fff}
.hero__copy h1{color:#fff;margin:.6rem 0 1rem;max-width:560px;text-shadow:0 2px 16px rgba(5,32,63,.7)}
.hero__eyebrow-pill{display:inline-flex;align-items:center;gap:.5rem;align-self:flex-start;background:rgba(255,255,255,.12);border:1px solid rgba(240,183,43,.45);color:var(--gold-400);font-family:var(--font);font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;padding:.4rem .8rem;border-radius:999px}
.hero__eyebrow-pill .icon{width:.95rem;height:.95rem}
.hero__sub{font-size:clamp(0.875rem, 0.85rem + 0.2vw, 1rem);color:#eef3fa;max-width:40ch;margin-bottom:1.4rem;text-shadow:0 1px 12px rgba(5,32,63,.7)}
.hero__trust{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem .85rem;margin-bottom:1.6rem}
.hero__trust li{display:inline-flex;align-items:center;gap:.45rem;font-size:.88rem;color:#f2f6fb;font-weight:500;text-shadow:0 1px 8px rgba(5,32,63,.7)}
.hero__trust .icon{width:1.05rem;height:1.05rem;color:var(--gold-400)}
.hero__cta{display:flex;flex-wrap:wrap;gap:.75rem}
.hero__form{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:clamp(1.4rem,2.5vw,1.8rem);box-shadow:var(--sh-lg);display:flex;flex-direction:column;justify-content:center}
/* Section: stats/experience (left, column) + application form (right) */
.conv-section{background:var(--white);border-top:1px solid var(--border-strong);border-bottom:1px solid var(--border-strong);box-shadow:inset 0 12px 24px -22px rgba(5,32,63,.4), inset 0 -12px 24px -22px rgba(5,32,63,.4)}
.sf-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(1.5rem,4vw,3.25rem);align-items:start}
.stats-col{display:grid;grid-template-columns:1fr 1fr;gap:.9rem;margin-top:1.5rem}
.stats-col .stat{background:#fff;border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh);padding:1.15rem 1.3rem;text-align:left}
.stats-col .stat .num{font-family:var(--font-head);font-weight:800;font-size:clamp(2rem, 1.5rem + 1.5vw, 2.8rem);color:var(--gold-text);line-height:1}
.stats-col .stat .lbl{margin-top:.25rem;color:var(--text-muted);font-size:.92rem}
.stats-col .stat .flag{margin-top:.55rem}

/* Two-step form */
.form-head{margin-bottom:1.1rem}
.form-head h2,.form-head h3{font-size:1.3rem;color:var(--navy-900)}
.form-head p{color:var(--text-muted);font-size:.9rem;margin-top:.25rem}
.form-progress{display:flex;align-items:center;gap:.6rem;margin-bottom:1.1rem}
.form-progress .bar{flex:1;height:6px;border-radius:999px;background:var(--border);overflow:hidden}
.form-progress .bar span{display:block;height:100%;width:50%;background:var(--gold-500);border-radius:999px;transition:width .3s ease}
.form-progress .lbl{font-size:.78rem;font-weight:700;color:var(--text-muted);white-space:nowrap}
.appform .step{display:none}
.appform .step.active{display:block}
.appform .grid-fields{display:grid;grid-template-columns:1fr 1fr;gap:.8rem .9rem}
.field{display:flex;flex-direction:column;gap:.3rem}
.field.col-span-2{grid-column:1/-1}
.field label{font-weight:600;font-size:.85rem;color:var(--navy-900)}
.field .req{color:var(--error)}
.optn{color:var(--text-muted);font-weight:500;font-size:.88em}
.field input,.field select,.field textarea{font-family:var(--font);font-size:1rem;color:var(--text);background:#fff;border:1.5px solid var(--border-strong);border-radius:var(--r-sm);padding:.72rem .8rem;width:100%;min-height:48px;transition:border-color .15s ease,box-shadow .15s ease}
.field input::placeholder{color:#98a7b6}
.field select{appearance:none;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='%235b6c7d' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .7rem center;padding-right:2.1rem}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy-800);box-shadow:0 0 0 3px rgba(26,77,130,.15)}
.field.has-error input,.field.has-error select{border-color:var(--error);box-shadow:0 0 0 3px rgba(180,35,24,.12)}
.field .error-msg{color:var(--error);font-size:.8rem;display:none}
.field.has-error .error-msg{display:block}
.hp-field{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-actions{display:flex;gap:.6rem;margin-top:1rem}
.form-actions .btn{flex:1}
.consent{display:flex;gap:.55rem;align-items:flex-start;flex-wrap:wrap;margin-top:.9rem}
.consent input{width:1.15rem;height:1.15rem;margin-top:.15rem;flex:none;accent-color:var(--navy-800)}
.consent label{font-weight:500;font-size:.84rem;color:var(--text-muted);flex:1;min-width:12rem}
.consent .error-msg{display:none;width:100%;color:var(--error);font-size:.8rem}
.consent.has-error .error-msg{display:block}
.form-note{font-size:.78rem;color:var(--text-muted);display:flex;gap:.4rem;align-items:flex-start;margin-top:.7rem}
.form-note .icon{color:var(--navy-800);width:.95rem;height:.95rem;margin-top:.1rem;flex:none}
.form-error-summary{display:none;background:var(--error-050);border:1px solid #edc3bd;color:#7c1d13;border-radius:var(--r-sm);padding:.7rem .85rem;font-size:.86rem;margin-bottom:.9rem}
.form-error-summary.show{display:block}
.form-result{display:none;border-radius:var(--r);padding:1.15rem 1.25rem;margin-top:.9rem}
.form-result.show{display:block}
.form-result h3{font-size:1.08rem;margin-bottom:.35rem;display:flex;align-items:center;gap:.5rem}
.form-result--ok{background:var(--surface-blue);border:1px solid #cadcec} .form-result--ok h3{color:var(--navy-900)}
.form-result--reject{background:var(--gold-050);border:1px solid #eed6a6} .form-result--reject h3{color:var(--gold-600)}
.form-result--fail{background:var(--error-050);border:1px solid #edc3bd} .form-result--fail h3{color:var(--error)}
.form-result p{color:var(--text);font-size:.93rem;margin-bottom:.5rem}
.form-result .next{margin-top:.6rem;display:flex;gap:.6rem;flex-wrap:wrap}

/* Stats strip */
.stats{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:#fff}
.stats .container{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;padding-block:1.75rem;min-height:92px;align-items:center}
.stat{text-align:center;padding-inline:1rem;border-right:1px solid var(--border)}
.stat:last-child{border-right:0}
.stat .num{font-family:var(--font-head);font-weight:800;font-size:clamp(2.4rem, 1.8rem + 2vw, 3.2rem);color:var(--navy-900);line-height:1}
.stat .lbl{font-size:.9rem;color:var(--text-muted);margin-top:.35rem;font-weight:500}
.stat .flag{display:inline-block;font-size:.68rem;color:var(--gold-text);background:var(--gold-050);border-radius:999px;padding:.1rem .45rem;margin-top:.3rem}

/* Why us (2x2 editorial) */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.25rem,3vw,2.5rem) clamp(2rem,4vw,4rem)}
.why-item{display:grid;grid-template-columns:auto 1fr;gap:1rem;align-items:start;padding-top:1.5rem;border-top:2px solid var(--border)}
.why-item .n{font-family:var(--font-head);font-weight:800;font-size:1.1rem;color:var(--gold-500)}
.why-item h3{font-size:1.12rem;margin-bottom:.3rem}
.why-item p{color:var(--text-muted);font-size:.95rem}

/* Split (about, etc) */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.5rem,4vw,3.5rem);align-items:center}
.split--media-left .split__media{order:-1}
.split__body>p{margin-bottom:1.1rem;line-height:1.75}
.facts-list{list-style:none;padding:0;margin-top:1.25rem;display:grid;gap:.5rem;background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:1.1rem 1.25rem}
.facts-list li{display:grid;grid-template-columns:auto 1fr;gap:.7rem;font-size:.92rem;color:var(--text)}
.facts-list .k{color:var(--text-muted)} .facts-list .v{color:var(--navy-900);font-weight:600;text-align:right}
.facts-list li{grid-template-columns:1fr auto}

/* About image — desktop: 3/4 portrait; both faces at ~20% from top */
.about-img{width:100%;border-radius:var(--r-lg);display:block;object-fit:cover;object-position:center 20%;aspect-ratio:3/4;box-shadow:var(--sh-lg);height:auto}
/* Image placeholder */
.img-ph{position:relative;aspect-ratio:4/3;background:linear-gradient(135deg,#eef3f9,#e3ecf6);border:1.5px dashed var(--border-strong);border-radius:var(--r-lg);overflow:hidden;display:grid;place-content:center;text-align:center;color:var(--text-muted);padding:1.25rem}
.img-ph--3x4{aspect-ratio:3/4}.img-ph--16x9{aspect-ratio:16/9}.img-ph--1x1{aspect-ratio:1/1}
.img-ph__tag{position:absolute;top:.75rem;left:.75rem;background:var(--navy-900);color:#fff;font-size:.64rem;font-weight:700;letter-spacing:.08em;padding:.28rem .55rem;border-radius:999px}
.img-ph .icon{width:2rem;height:2rem;margin:0 auto .5rem;color:var(--navy-800);opacity:.6}
.img-ph b{color:var(--navy-900);font-size:.9rem;display:block}.img-ph span{font-size:.78rem}
.img-ph>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}

/* Services (featured + supporting) */
.svc{display:grid;grid-template-columns:1.4fr 1fr;gap:clamp(1.25rem,3vw,2rem)}
.svc__featured{background:var(--navy-900);color:#fff;border-radius:var(--r-lg);padding:clamp(1.6rem,3vw,2.25rem);display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.svc__featured{border-top:3px solid var(--gold-500)}
.svc__featured>*{position:relative}
.svc__featured h3{color:#fff;font-size:1.4rem;margin-bottom:.5rem}
.svc__featured p{color:#d3e0ef;margin-bottom:1.25rem}
.svc__side{display:grid;gap:1rem}
.svc-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:1.25rem 1.35rem}
.svc-card h3{font-size:1.08rem;margin-bottom:.3rem}
.svc-card p{color:var(--text-muted);font-size:.92rem;margin-bottom:.5rem}

/* How it works (timeline) */
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;position:relative}
.tl-step{position:relative;padding-top:2.75rem}
.tl-step .dot{position:absolute;top:0;left:0;width:2.6rem;height:2.6rem;border-radius:50%;background:var(--navy-900);color:#fff;font-family:var(--font-head);font-weight:800;display:grid;place-items:center;font-size:1.05rem;box-shadow:var(--sh-sm)}
.tl-step::before{content:"";position:absolute;top:1.3rem;left:2.6rem;right:-1.25rem;height:2px;background:var(--border)}
.tl-step:last-child::before{display:none}
.tl-step h3{font-size:1.05rem;margin-bottom:.3rem}
.tl-step p{color:var(--text-muted);font-size:.92rem}

/* Eligibility */
.elig{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.25rem,3vw,2rem)}
.elig-col{border-radius:var(--r-lg);padding:clamp(1.4rem,3vw,1.9rem);border:1px solid}
.elig-col--yes{background:var(--surface-blue);border-color:#cadcec}
.elig-col--no{background:var(--gold-050);border-color:#ecdcc0}
.elig-col h3{display:flex;align-items:center;gap:.5rem;font-size:1.15rem;margin-bottom:1rem}
.elig-col--yes h3{color:var(--navy-900)} .elig-col--no h3{color:var(--gold-text)}
.elig-col ul{list-style:none;padding:0;display:grid;gap:.7rem}
.elig-col li{display:grid;grid-template-columns:auto 1fr;gap:.6rem;font-size:.95rem;color:var(--text)}
.elig-col li .icon{width:1.2rem;height:1.2rem;margin-top:.1rem}
.elig-col--yes li .icon{color:var(--navy-800)} .elig-col--no li .icon{color:var(--gold-text)}
.elig-note{margin-top:1.25rem;font-size:.9rem;color:var(--text-muted);text-align:center}

/* Testimonials carousel */
.sample-banner{background:#fff8e1;border:1.5px solid var(--gold-500);border-radius:var(--r-sm);padding:.6rem 1.1rem;display:flex;align-items:center;gap:.55rem;font-size:.8rem;font-weight:600;color:#664d03;margin-bottom:1.75rem}
.sample-banner svg{color:var(--gold-text);flex:none;width:16px;height:16px}
.testi-wrap{position:relative}
.testi-carousel{display:flex;gap:1.15rem;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:.25rem;-webkit-overflow-scrolling:touch}
.testi-carousel::-webkit-scrollbar{display:none}
.testi-card{flex:0 0 clamp(260px,calc(33.33% - .78rem),380px);scroll-snap-align:start;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:1.65rem;display:flex;flex-direction:column;box-shadow:var(--sh)}
.testi-q{font-size:3rem;line-height:.85;color:var(--gold-500);font-family:Georgia,'Times New Roman',serif;margin-bottom:.55rem}
.testi-text{font-size:.93rem;color:var(--text);flex:1;line-height:1.65}
.testi-foot{display:flex;align-items:center;gap:.75rem;margin-top:1.25rem;padding-top:1rem;border-top:1px solid var(--border)}
.testi-av{width:40px;height:40px;border-radius:50%;background:var(--av-bg,var(--navy-800));color:#fff;display:grid;place-items:center;font-weight:800;font-size:1rem;flex:none;font-family:var(--font-head)}
.testi-info{flex:1;min-width:0}
.testi-name{font-weight:700;font-size:.9rem;color:var(--navy-900);display:block}
.testi-role{font-size:.78rem;color:var(--text-muted)}
.testi-chip{background:var(--surface-blue);color:var(--navy-800);border-radius:99px;padding:.2rem .7rem;font-size:.78rem;font-weight:700;white-space:nowrap;flex:none}
.testi-nav-row{display:flex;align-items:center;justify-content:center;gap:1rem;margin-top:1.35rem}
.testi-nav-btn{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--border);background:#fff;box-shadow:var(--sh-sm);cursor:pointer;display:grid;place-items:center;transition:background .12s,border-color .12s;flex:none}
.testi-nav-btn:hover{background:var(--navy-900);border-color:var(--navy-900)}
.testi-nav-btn:hover svg{stroke:#fff}
.testi-dots{display:flex;gap:.45rem;align-items:center}
.testi-dot{width:8px;height:8px;border-radius:50%;background:var(--border-strong);cursor:pointer;border:none;padding:0;transition:background .15s,transform .15s}
.testi-dot.is-active{background:var(--navy-800);transform:scale(1.3)}
@media(max-width:768px){.testi-card{flex:0 0 84vw}}

/* Transparency */
.repex{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--sh);overflow:hidden}
.repex__grid{display:grid;grid-template-columns:repeat(4,1fr)}
.repex__cell{padding:1.3rem 1.1rem;text-align:center;border-right:1px solid var(--border)}
.repex__cell:last-child{border-right:0;background:var(--surface-blue)}
.repex__cell .k{font-size:.74rem;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted)}
.repex__cell .v{font-family:var(--font-head);font-weight:800;font-size:1.3rem;color:var(--navy-900);margin-top:.25rem}
.repex__note{padding:1rem 1.3rem;border-top:1px solid var(--border);font-size:.82rem;color:var(--text-muted);background:var(--surface)}
.notice{display:flex;gap:.8rem;align-items:flex-start;border-radius:var(--r);padding:1.05rem 1.2rem;border:1px solid}
.notice .icon{flex:none;margin-top:.1rem}
.notice--scam{background:#fbf6ee;border-color:#ecdcc0}.notice--scam .icon{color:var(--gold-600)}.notice--scam b{color:#7a5a12}
.placeholder{color:var(--gold-text);background:var(--gold-050);padding:.03rem .35rem;border-radius:5px;font-weight:600;font-size:.92em;border:1px dashed #e6cf8f}

/* FAQ */
.faq{display:grid;gap:.6rem;max-width:52rem;margin-inline:auto}
.faq__item{border:1px solid var(--border);border-radius:var(--r);background:#fff;overflow:hidden}
.faq__q{width:100%;text-align:left;background:none;border:0;font-family:var(--font-head);font-weight:700;font-size:1rem;color:var(--navy-900);padding:1.05rem 1.2rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;cursor:pointer}
.faq__q:hover{background:var(--surface)}
.faq__q .icon{flex:none;color:var(--gold-text);transition:transform .2s ease}
.faq__q[aria-expanded="true"] .icon{transform:rotate(45deg)}
.faq__a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq__a p{color:var(--text-muted);padding:0 1.2rem 1.1rem}

/* Final form section */
.final-form{background:var(--navy-900);color:#fff;position:relative;overflow:hidden}
.final-form{border-top:3px solid var(--gold-500)}
.final-form .container{position:relative}
.final-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(1.5rem,4vw,3rem);align-items:start}
.final-grid h2{color:#fff}
.final-grid .lead{color:#d3e0ef}
.contact-alt{list-style:none;padding:0;margin-top:1.75rem;display:grid;gap:1rem;max-width:360px}
.contact-alt li{display:flex;gap:.9rem;align-items:flex-start}
.contact-alt .ic{width:2.5rem;height:2.5rem;border-radius:10px;background:rgba(255,255,255,.1);display:grid;place-items:center;flex:none;color:var(--gold-400);margin-top:.1rem}
.contact-alt b{display:block;color:#fff;font-size:.9rem;font-weight:700;margin-bottom:.1rem}
.contact-alt span,.contact-alt a{color:#c0d0e4;font-size:.88rem;line-height:1.5}
.final-form .form-panel{background:#fff;border-radius:var(--r-lg);padding:clamp(1.4rem,2.5vw,2rem);box-shadow:var(--sh-lg)}

/* Sticky mobile CTA */
.sticky-cta{display:none}

/* Footer */
.site-footer{background:var(--navy-950);color:#a9bdd4;padding-block:clamp(2.5rem,6vw,3.75rem) 1.5rem}
.site-footer a{color:#d6e3f2}.site-footer a:hover{color:#fff;text-decoration:none}
.footer-grid{display:grid;grid-template-columns:1.5fr .9fr .9fr 1.4fr;gap:clamp(1.25rem,3vw,2.5rem);align-items:start}
.footer-col h4{color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.9rem;padding-bottom:.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-col ul{list-style:none;padding:0;display:grid;gap:.55rem;font-size:.88rem}
.footer-col ul a{color:#a9bdd4;transition:color .12s ease;display:inline-block}
.footer-col ul a:hover{color:#fff;text-decoration:none}
.footer-brand p{color:#93a8c2;font-size:.88rem;margin-top:.9rem;max-width:28rem;line-height:1.65}
/* Company info DL */
.footer-dl{list-style:none;padding:0;margin:0;display:grid;gap:.55rem}
.footer-dl div{display:grid;grid-template-columns:auto 1fr;gap:.3rem .65rem;align-items:baseline}
.footer-dl dt{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:#6e88a0;white-space:nowrap}
.footer-dl dd{margin:0;font-size:.84rem;color:#c4d4e4;line-height:1.45}
.footer-dl__addr{align-items:start}
.footer-dl__addr dd{line-height:1.5}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:2.25rem;padding-top:1.25rem;font-size:.8rem;color:#6e88a0;display:flex;justify-content:center;align-items:center;gap:.5rem;flex-wrap:wrap;text-align:center}
.footer-disclaimer{font-size:.78rem;color:#6e88a0;margin-top:1rem;line-height:1.65}

/* Preview flag */
.preview-flag{position:fixed;bottom:12px;left:12px;z-index:300;background:var(--navy-950);color:#fff;font-size:.72rem;font-weight:700;letter-spacing:.04em;padding:.4rem .7rem;border-radius:999px;box-shadow:var(--sh-lg);opacity:.92;display:flex;gap:.4rem;align-items:center}
.preview-flag .dot{width:.5rem;height:.5rem;border-radius:50%;background:var(--gold-400)}

/* Reveal */
.reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}
.reveal.is-visible{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none}}

/* Prose */
.prose{max-width:46rem}
.prose h2{margin-top:2rem;margin-bottom:.6rem}.prose h3{margin-top:1.4rem;margin-bottom:.4rem}
.prose p,.prose li{color:var(--text)}.prose p{margin-bottom:1rem}
.prose ul,.prose ol{margin-bottom:1rem;display:grid;gap:.4rem}
.prose .meta{color:var(--text-muted);font-size:.88rem;margin-bottom:1.5rem}

/* Breadcrumbs */
.breadcrumbs{font-size:.85rem;color:var(--text-muted);padding-block:.9rem}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:0}
.breadcrumbs li{display:inline-flex;gap:.4rem;align-items:center}
.breadcrumbs li+li::before{content:"/";color:var(--border-strong)}
.breadcrumbs [aria-current="page"]{color:var(--navy-900);font-weight:600}

/* Utilities */
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.text-center{text-align:center}.stack>*+*{margin-top:1rem}
.tbd{opacity:.72;font-style:italic}

/* Services — three product cards (Personal / Business / Debt) */
.prod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(1rem,2.5vw,1.5rem)}
.prod-card{position:relative;border-radius:var(--r-lg);padding:clamp(1.5rem,3vw,2rem);display:flex;flex-direction:column;box-shadow:var(--sh)}
.prod-card__n{font-family:var(--font-head);font-weight:800;font-size:2.4rem;line-height:1;opacity:.3}
.prod-card h3{margin:.4rem 0 .5rem;font-size:1.5rem}
.prod-card p{font-size:.95rem;margin-bottom:1rem}
.prod-card__apply{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;font-size:.95rem;text-decoration:underline;text-underline-offset:3px}
.prod-card__apply .icon{transition:transform .15s ease}
.prod-card__apply:hover .icon{transform:translateX(3px)}
.prod-meta{margin-top:auto;padding-top:.5rem}
.prod-meta>div{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:.65rem 0;border-top:1px solid rgba(255,255,255,.2)}
.prod-meta dt{font-size:.9rem;opacity:.85;margin:0}
.prod-meta dd{margin:0;font-weight:700;text-align:right}
/* Personal Loan — featured card: clean warm gold with premium glow */
.prod-card--navy{
  color:var(--navy-950);
  border:3px solid transparent;
  background:
    linear-gradient(#f5c520,#f5c520) padding-box,
    linear-gradient(135deg,#fff6c8 0%,#e0a516 28%,#fff2a0 52%,#c88f10 76%,#ffe98a 100%) border-box;
  box-shadow:0 8px 28px rgba(198,141,16,.35),0 2px 8px rgba(198,141,16,.2);
}
.prod-card--navy .prod-card__n{color:var(--navy-900);opacity:.25}
.prod-card--navy h3{color:var(--navy-950)}
.prod-card--navy p{color:var(--navy-800)}
.prod-card--navy .prod-card__apply{color:var(--navy-900)}
.prod-card--navy .prod-meta>div{border-top-color:rgba(5,32,63,.18)}
.prod-card--navy .prod-meta dt{color:var(--navy-800)}
.prod-card--navy .prod-meta dd{color:var(--navy-950)}
/* Business Loan — white card, navy text */
.prod-card--gold{background:#fff;color:var(--navy-900);border:1.5px solid var(--border);box-shadow:var(--sh)}
.prod-card--gold .prod-card__n{color:var(--navy-800);opacity:.15}
.prod-card--gold h3{color:var(--navy-900)}
.prod-card--gold p{color:var(--text-muted)}
.prod-card--gold .prod-card__apply{color:var(--navy-800)}
.prod-card--gold .prod-meta>div{border-top-color:var(--border)}
.prod-card--gold .prod-meta dt{color:var(--text-muted)}
.prod-card--gold .prod-meta dd{color:var(--navy-900)}
/* Debt Consolidation — white card, navy text */
.prod-card--teal{background:#fff;color:var(--navy-900);border:1.5px solid var(--border);box-shadow:var(--sh)}
.prod-card--teal .prod-card__n{color:var(--navy-800);opacity:.15}
.prod-card--teal h3{color:var(--navy-900)}
.prod-card--teal p{color:var(--text-muted)}
.prod-card--teal .prod-card__apply{color:var(--navy-800)}
.prod-card--teal .prod-meta>div{border-top-color:var(--border)}
.prod-card--teal .prod-meta dt{color:var(--text-muted)}
.prod-card--teal .prod-meta dd{color:var(--navy-900)}
/* "Most Popular" badge inside featured card */
.prod-badge{align-self:flex-start;background:var(--navy-900);color:var(--gold-400);font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:.25rem .8rem;border-radius:99px;margin-bottom:.55rem;white-space:nowrap}

/* Eligibility quick-list in sf-left (beside form) */
.sf-elig__h{font-size:1.05rem;font-weight:700;color:var(--navy-900);margin-top:1.6rem;margin-bottom:.1rem}
.sf-elig{list-style:none;padding:0;margin-top:.85rem;display:flex;flex-direction:column;gap:.55rem}
.sf-elig li{display:flex;align-items:flex-start;gap:.65rem;font-size:.93rem;color:var(--text)}
.sf-elig .chk{width:20px;height:20px;border-radius:50%;background:var(--success-050);display:grid;place-items:center;flex:none;margin-top:.1rem}
.sf-elig .chk svg{color:var(--success);width:12px;height:12px;stroke-width:2.5}
/* KPKT licence badge in sf-left */
.licence-badge{display:inline-flex;align-items:center;gap:.45rem;background:var(--surface-blue);border:1px solid var(--border);border-radius:99px;padding:.3rem .9rem;font-size:.78rem;font-weight:600;color:var(--navy-800);margin-top:1.4rem}
.licence-badge svg{color:var(--teal);flex:none;width:14px;height:14px}

/* How to apply — colourful vertical timeline */
.vtimeline{list-style:none;padding:0;max-width:52rem;margin:0 auto;display:flex;flex-direction:column}
.vstep{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:1rem 1.25rem;padding:1.4rem 0;border-top:1px solid var(--border)}
.vstep:first-child{border-top:0}
.vstep__dot{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;color:#fff;font-family:var(--font-head);font-weight:800;font-size:1.2rem;flex:none;box-shadow:0 6px 16px rgba(5,32,63,.18)}
.vstep__body h3{font-size:1.15rem;margin-bottom:.2rem}
.vstep__body p{font-size:.95rem;margin:0;color:var(--text-muted)}
.vstep__badge{justify-self:end;font-size:.8rem;font-weight:700;padding:.35rem .8rem;border-radius:999px;background:var(--surface-blue);color:var(--navy-900);white-space:nowrap}
.vstep--c1 .vstep__dot{background:var(--navy-900)}
.vstep--c2 .vstep__dot{background:var(--teal)}
.vstep--c3 .vstep__dot{background:var(--gold-500);color:var(--navy-950)}
.vstep--c4 .vstep__dot{background:var(--navy-700)}

/* Loan calculator */
.calc{display:grid;grid-template-columns:1.15fr .85fr;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);background:#fff}
.calc__controls{padding:clamp(1.5rem,3vw,2.25rem);display:flex;flex-direction:column;gap:1.75rem;justify-content:center}
.calc__field{display:flex;flex-direction:column;gap:.55rem}
.calc__label{display:flex;justify-content:space-between;align-items:baseline;gap:1rem}
.calc__label label{font-weight:600;color:var(--text)}
.calc__label output{font-family:var(--font-head);font-weight:800;font-size:1.4rem;color:var(--navy-900)}
.calc__label output span[data-i18n]{font-size:.9rem;font-weight:600;color:var(--text-muted)}
.calc__minmax{display:flex;justify-content:space-between;font-size:.78rem;color:var(--text-muted)}
.calc__range{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;background:linear-gradient(to right,var(--navy-800) 0 var(--fill,50%),var(--surface-blue) var(--fill,50%) 100%);outline:none;cursor:pointer}
.calc__range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--navy-900);border:3px solid #fff;box-shadow:0 2px 6px rgba(5,32,63,.35);cursor:pointer}
.calc__range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--navy-900);border:3px solid #fff;box-shadow:0 2px 6px rgba(5,32,63,.35);cursor:pointer}
.calc__range:focus-visible{outline:2px solid var(--gold-500);outline-offset:3px}
.calc__result{background:var(--navy-950);color:#fff;padding:clamp(1.5rem,3vw,2.25rem);display:flex;flex-direction:column;justify-content:center;gap:.3rem}
.calc__result-label{font-size:.82rem;color:#c8d6e8;text-transform:uppercase;letter-spacing:.06em}
.calc__amount{font-family:var(--font-head);font-weight:800;font-size:clamp(2rem, 1.3rem + 2.4vw, 2.9rem);line-height:1.05;color:var(--gold-400)}
.calc__dash{color:#c8d6e8}
.calc__rate{font-size:.82rem;color:#c0d0e4;margin:.4rem 0 1rem}
.calc__apply{align-self:flex-start;background:var(--gold-500);color:var(--navy-950);border-color:var(--gold-500)}
.calc__apply:hover{background:var(--gold-400);border-color:var(--gold-400);color:var(--navy-950);text-decoration:none}
.calc__repnote{max-width:60rem;margin:1.25rem auto 0;font-size:.82rem;color:var(--text-muted);text-align:center}

/* =============================================================================
   Responsive
   ============================================================================= */
@media (max-width:960px){
  .hero{padding-inline:0}
  .hero .container{padding-inline:0;max-width:100%}
  .hero__card{border-radius:0;width:100vw;margin-inline:0}
  .hero__grid{grid-template-columns:1fr;min-height:clamp(360px,72vw,470px);padding:clamp(1.5rem,5vw,2rem)}
  .hero__img{object-position:center top}
  .hero__card::after{background:linear-gradient(175deg,rgba(5,32,63,.9) 0%,rgba(5,32,63,.72) 52%,rgba(5,32,63,.52) 100%)}
  .sf-grid{grid-template-columns:1fr}
  .hero__form{border-radius:var(--r)}
  .why-grid{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}.split--media-left .split__media{order:-1}
  /* Mobile: compact 4:3 crop centred on both faces */
  .about-img{aspect-ratio:4/3;max-height:300px;object-position:center 18%}
  .svc{grid-template-columns:1fr}
  .prod-grid{grid-template-columns:1fr}
  .calc{grid-template-columns:1fr}
  .timeline{grid-template-columns:1fr 1fr}
  .tl-step::before{display:none}
  .elig{grid-template-columns:1fr}
  .final-grid{grid-template-columns:1fr}
  .repex__grid{grid-template-columns:1fr 1fr}
  .repex__cell:nth-child(2){border-right:0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border:1.5px solid var(--border-strong);background:#fff;border-radius:var(--r-sm);cursor:pointer;color:var(--navy-900)}
  .site-header{backdrop-filter:none;-webkit-backdrop-filter:none}
  .primary-nav{position:fixed;top:0;right:0;bottom:0;left:auto;height:100dvh;width:min(86vw,340px);background:#fff;flex-direction:column;align-items:stretch;gap:.1rem;padding:1rem;box-shadow:var(--sh-lg);transform:translateX(100%);transition:transform .22s ease;overflow-y:auto;z-index:130;border-left:1px solid var(--border)}
  .primary-nav.open{transform:none}
  .primary-nav a{padding:.85rem .7rem;font-size:1rem;border-bottom:1px solid var(--surface)}
  .primary-nav .nav-apply{display:inline-flex;justify-content:center;margin:1rem .3rem .3rem;border-bottom:0;color:var(--navy-950)}
  .nav-close{display:inline-flex;align-self:flex-end;align-items:center;justify-content:center;width:42px;height:42px;margin:0 0 .35rem;border:1.5px solid var(--border-strong);background:#fff;border-radius:var(--r-sm);color:var(--navy-900);cursor:pointer}
  .nav-close .icon{width:22px;height:22px}
  .nav-backdrop{position:fixed;inset:0;background:rgba(5,32,63,.45);z-index:120;opacity:0;visibility:hidden;transition:opacity .2s ease}
  .nav-backdrop.show{opacity:1;visibility:visible}
  .header-actions .btn-apply-header{display:none}
  .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:110;background:#fff;border-top:1px solid var(--border);box-shadow:0 -6px 20px rgba(5,32,63,.1);padding:.6rem .9rem;gap:.6rem;align-items:center}
  .sticky-cta .btn{flex:1}
  body{padding-bottom:74px}
}
@media (max-width:640px){
  .appform .grid-fields{grid-template-columns:1fr}
  .timeline{grid-template-columns:1fr}
  .stats .container{grid-template-columns:1fr;gap:1.25rem}
  .stat{border-right:0;border-bottom:1px solid var(--border);padding-bottom:1.25rem}
  .stat:last-child{border-bottom:0;padding-bottom:0}
  .repex__grid{grid-template-columns:1fr}
  .repex__cell{border-right:0;border-bottom:1px solid var(--border)}
  .footer-grid{grid-template-columns:1fr}
  .footer-col{text-align:center}
  .footer-col h4{text-align:center}
  .footer-col ul{text-align:center}
  .footer-brand .brand{justify-content:center}
  .footer-dl{text-align:left;max-width:300px;margin-inline:auto}
  .footer-bottom{flex-direction:column;text-align:center}
  .form-actions{flex-direction:column-reverse}
  /* Mobile: centered layout (matching berjayacredit2u) — blocks centered, icon-lists = centered block with left-aligned items */
  .section__head{text-align:center;margin-inline:auto}
  .eyebrow{justify-content:center}
  .hero__copy,.sf-left,.split__body,.calc__controls{text-align:center}
  .hero__eyebrow-pill{align-self:center}
  .hero__cta{justify-content:center}
  .hero__trust{align-items:center}.hero__trust li{justify-content:center}
  .stats-col .stat{text-align:center}
  .why-item{text-align:center;justify-items:center}
  .prod-card{text-align:center;align-items:center}
  .prod-card__apply{justify-content:center}
  .prod-meta{width:100%}.prod-meta>div{justify-content:center;gap:.6rem}
  .vstep{grid-template-columns:1fr;justify-items:center;text-align:center;gap:.65rem}
  .vstep__badge{justify-self:center}
  .calc__label{flex-direction:column;align-items:center;gap:.15rem}
  .calc__result{text-align:center;align-items:center}
  .calc__apply{align-self:center}
  .testi-card{text-align:center}
  .testi-foot{justify-content:center}
  .testi-info{text-align:left;flex:none}
  .final-grid>div:first-child{text-align:center}
  .licence-badge{align-self:center}
  /* icon / data lists: centre the block, keep the items left-aligned */
  .sf-elig{align-items:flex-start;text-align:left}
  .contact-alt{width:fit-content;max-width:100%;margin-inline:auto;text-align:left}
  .facts-list{width:fit-content;max-width:100%;margin-inline:auto}
  .facts-list li{grid-template-columns:1fr;text-align:left;gap:.1rem}.facts-list .v{text-align:left}
  .elig-col{text-align:center}.elig-col h3{justify-content:center}
  .elig-col ul{width:fit-content;max-width:100%;margin-inline:auto}.elig-col li{text-align:left}
  /* Hero fills the mobile viewport below the sticky header */
  .hero{padding-block:0}
  .hero__grid{min-height:calc(100svh - 76px)}
}