@font-face {
  font-family: themix;
  font-weight: bold;
  src: url(../assets/fonts/TheMixSemiBold.otf);
}

@font-face{
  font-family: opensans;
  font-weight: normal;
  src: url(../assets/fonts/OpenSans.ttf);
}

:root {
  --orange: #F26522;
  --orange-dark: #D9541A;
  --orange-light: #FDEEE4;
  --ink: #1C1C1C;
  --charcoal: #333333;
  --footer-bg: #3A3A3A;
  --gray-100: #F6F6F6;
  --gray-200: #EDEDED;
  --gray-400: #B8B8B8;
  --white: #FFFFFF;
  --radius-pill: 999px;
  --radius-md: 10px;
  --shadow-soft: 0 10px 30px rgba(0,0,0,0.12);
  --max-width: 1200px;
  --font-display: 'themix', 'Segoe UI', sans-serif;
  --font-body: 'opensans', 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  margin: 0;
  line-height: 1.15;
}

p { margin: 0; }

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

img { max-width: 100%; display: block; }

ul { list-style: none; margin: 0; padding: 0; }

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

/* focus visibility */
a:focus-visible, button:focus-visible, select:focus-visible, input:focus-visible {
  outline: 3px solid var(--orange-dark);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.95rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
}
.btn-primary:hover { background: var(--orange-dark); box-shadow: var(--shadow-soft); }

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--ink);
  color: var(--ink);
}
.btn-outline:hover { background: var(--ink); color: var(--white); }

.btn-ghost-dark {
  backdrop-filter: blur(120px);
  border: 1px solid rgba(255,255,255,0.5);
  color: var(--white);
  width: 100%;
  justify-content: space-between;
  padding: 14px 22px;
  border-radius: 20px;
}
.btn-ghost-dark:hover { background: rgba(0,0,0,0.55); }

/* =========================================================
   HEADER
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  font-family: var(--font-display);
  font-weight: 800;
  letter-spacing: 0.5px;
  font-size: 1.25rem;
  color: var(--orange);
  text-transform: uppercase;
}

.main-nav {
  display: flex;
  gap: 34px;
}

.main-nav a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink);
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  transition: border-color 0.15s ease, color 0.15s ease;
}
.main-nav a:hover,
.main-nav a[aria-current="page"] {
  color: var(--orange);
  border-color: var(--orange);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 26px;
}

.header-actions .about-link {
  font-size: 0.95rem;
  font-weight: 500;
}

.loan-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.icon-btn {
  width: 38px; height: 38px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  color: var(--ink);
}
.icon-btn:hover { background: var(--gray-100); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 30px;
}
.nav-toggle span {
  height: 2.5px;
  background: var(--ink);
  border-radius: 2px;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

/* =========================================================
   HERO
   ========================================================= */
.hero {
  position: relative;
  overflow: hidden;
  background: #6b6f5a;
  min-height: 520px;
}

.hero-slide {
  position: relative;
  min-height: 520px;
  display: none;
  align-items: center;
}
.hero-slide.active { display: flex; }

.hero-slide::before {
  content: "";
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  filter: brightness(0.85);
}

.hero-slide .hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}

.hero-slide::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0,0,0,0.55) 0%, rgba(0,0,0,0.1) 55%, rgba(0,0,0,0.35) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  gap: 40px;
  flex-wrap: wrap;
  padding: 60px 0;
}

.hero-text {
  max-width: 520px;
}

.hero-text h1 {
  color: var(--white);
  font-size: 2.6rem;
  font-weight: 700;
  margin-bottom: 26px;
}

.hero-panel {
  backdrop-filter: blur(120px);
  border-radius: var(--radius-md);
  padding: 22px;
  width: 300px;
  position: absolute;
  top: 6em; right: 6em;
  z-index: 100;
}

.hero-panel ul{
  list-style: none;
  li{margin-bottom: 10px;}
}

.hero-panel h3 {
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 16px;
}

.hero-panel .btn-ghost-dark {
  display: block;
  font-size: 0.85rem;
  margin-bottom: 10px;
}
.hero-panel .btn-ghost-dark:last-child { margin-bottom: 0; }

.hero-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: rgba(255,255,255,0.85);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink);
  transition: background 0.15s ease;
}
.hero-arrow:hover { background: var(--white); }
.hero-arrow.prev { left: 18px; }
.hero-arrow.next { right: 18px; }

.hero-qr {
  position: absolute;
  right: 24px;
  bottom: 20px;
  z-index: 3;
  width: 64px; height: 64px;
  background: var(--white);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

/* =========================================================
   JOURNEY SECTION
   ========================================================= */
.journey {
  padding: 70px 0 60px;
  text-align: center;
}

.journey h2 {
  color: var(--orange);
  font-size: 2.1rem;
  margin-bottom: 30px;
}

.journey-search {
  max-width: 520px;
  margin: 0 auto 46px;
  display: flex;
  align-items: center;
  border: 1.5px solid var(--gray-400);
  border-radius: var(--radius-pill);
  padding: 6px 8px 6px 22px;
  gap: 10px;
}

.journey-search span.label {
  font-size: 0.9rem;
  color: var(--charcoal);
  white-space: nowrap;
}

.journey-search select {
  flex: 1;
  border: none;
  background: transparent;
  font-size: 0.9rem;
  font-family: inherit;
  padding: 10px 30px 10px 6px;
  color: var(--ink);
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23333' stroke-width='1.5' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 8px center;
}

.journey-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: left;
}

.journey-card {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  aspect-ratio: 3 / 4;
  background-size: cover;
  background-position: center;
  display: flex;
  align-items: flex-end;
}

.journey-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.05) 55%);
}

.journey-card-body {
  position: relative;
  z-index: 1;
  padding: 22px;
  color: var(--white);
}

.journey-card-body h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.journey-card-body p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.85);
}

/* =========================================================
   RESOURCES
   ========================================================= */
.resources {
  padding: 60px 0 30px;
  text-align: center;
}

.resources h2 {
  font-size: 1.9rem;
  margin-bottom: 36px;
}

.resource-page,
.news-page {
  display: none;
}
.resource-page.active,
.news-page.active {
  display: block;
}

.resources-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 18px;
}

.resource-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 30px 14px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.resource-card:hover {
  box-shadow: var(--shadow-soft);
  transform: translateY(-3px);
}

.resource-card .icon {
  width: 34px; height: 34px;
  color: var(--charcoal);
}
.resource-card.is-active .icon { color: var(--orange); }

.resource-card span {
  font-weight: 600;
  font-size: 0.95rem;
}

.dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}

.dots button {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gray-400);
  padding: 0;
}
.dots button.active { background: var(--ink); width: 22px; border-radius: 5px; }

/* =========================================================
   NOTICES
   ========================================================= */
.notices {
  padding: 50px 0 60px;
}

.notices h2 {
  color: var(--orange);
  font-size: 1.7rem;
  margin-bottom: 24px;
}

.notice-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 0;
  border-bottom: 1px solid var(--gray-200);
}
.notice-row:first-of-type { border-top: 1px solid var(--gray-200); }

.notice-row p {
  font-size: 0.9rem;
  color: var(--charcoal);
}

.download-btn {
  flex-shrink: 0;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--orange-light);
  color: var(--orange-dark);
  display: flex;
  align-items: center;
  justify-content: center;
}
.download-btn:hover { background: var(--orange); color: var(--white); }

/* =========================================================
   APP PROMO
   ========================================================= */
.app-promo {
  background: var(--gray-200);
  padding: 60px 0;
  padding-bottom: 0;
}

.app-promo .container {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}

.app-promo-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 40px;
  flex: 1 1 380px;
  box-shadow: var(--shadow-soft);
}

.app-promo-card h2 {
  color: var(--orange);
  font-size: 1.8rem;
  margin-bottom: 18px;
}

.app-promo-card p {
  color: var(--charcoal);
  margin-bottom: 16px;
  font-size: 0.95rem;
}

.store-badges {
  display: flex;
  gap: 12px;
  margin-top: 22px;
  flex-wrap: wrap;
}

.store-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--ink);
  color: var(--white);
  padding: 9px 16px;
  border-radius: 8px;
  font-size: 0.75rem;
  line-height: 1.1;
}
.store-badge strong { display: block; font-size: 0.9rem; }
.store-badge:hover { background: var(--orange-dark); }

.app-promo-image {
  flex: 1 1 380px;
  min-height: 320px;
  border-radius: var(--radius-md);
  background-size: cover;
  background-position: center;
  position: relative;
}

/* =========================================================
   NEWS
   ========================================================= */
.news {
  padding: 60px 0;
}

.news h2 {
  font-size: 1.9rem;
  margin-bottom: 30px;
}

.news-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.news-card {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--gray-200);
}

.news-card .thumb {
  height: 180px;
  background-size: cover;
  background-position: center;
}

.news-card-body { padding: 20px; }

.news-card h3 {
  font-size: 1.05rem;
  margin-bottom: 10px;
}

.news-card p {
  font-size: 0.88rem;
  color: var(--charcoal);
  margin-bottom: 16px;
}

.news-carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-top: 34px;
}

.carousel-arrow {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--orange);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
}
.carousel-arrow:hover { background: var(--orange-dark); }

/* =========================================================
   NEWSLETTER + FOOTER
   ========================================================= */
.newsletter {
  background: var(--footer-bg);
  padding-top: 50px;
}

.newsletter .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

.footer-logo-box {

}
.footer-logo-box .logo { font-size: 1.3rem; }

.newsletter-form h2 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 16px;
}

.newsletter-inputs {
  display: flex;
  gap: 0;
  max-width: 460px;
}

.newsletter-inputs input {
  flex: 1;
  padding: 13px 20px;
  border: none;
  border-radius: var(--radius-pill) 0 0 var(--radius-pill);
  font-size: 0.9rem;
  font-family: inherit;
}

.newsletter-inputs button {
  padding: 13px 26px;
  background: var(--orange);
  color: var(--white);
  border-radius: 0 var(--radius-pill) var(--radius-pill) 0;
  font-weight: 600;
  font-size: 0.9rem;
}
.newsletter-inputs button:hover { background: var(--orange-dark); }

.newsletter-note {
  color: var(--white);
  font-size: 0.85rem;
  margin-top: 10px;
  min-height: 1.2em;
}

.site-footer {
  background: var(--footer-bg);
  color: var(--gray-200);
  padding: 44px 0 30px;
}

.footer-columns {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  padding-bottom: 34px;
}

.footer-columns h3 {
  color: var(--orange);
  font-size: 1.05rem;
  margin-bottom: 16px;
}

.footer-columns h4 {
  color: var(--white);
  font-size: 0.9rem;
  margin: 18px 0 10px;
}

.footer-columns li {
  margin-bottom: 9px;
  font-size: 0.86rem;
  color: var(--gray-400);
}

.footer-columns a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,0.15);
  font-size: 0.82rem;
  color: var(--gray-400);
}

.social-icons {
  display: flex;
  gap: 10px;
}

.social-icons a {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
}
.social-icons a:hover { background: var(--orange); }

/* =========================================================
   INNER PAGE HERO (individual / business / about / contact)
   ========================================================= */
.page-hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
}
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0,0,0,0.65), rgba(0,0,0,0.25));
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero .eyebrow {
  color: var(--orange);
  font-weight: 700;
  font-size: 0.85rem;
  margin-bottom: 10px;
  display: block;
}
.page-hero h1 {
  color: var(--white);
  font-size: 2.4rem;
  max-width: 620px;
  margin-bottom: 18px;
}
.page-hero p {
  color: rgba(255,255,255,0.9);
  max-width: 540px;
  font-size: 1rem;
}

.breadcrumb {
  padding: 16px 0;
  font-size: 0.85rem;
  color: var(--charcoal);
  border-bottom: 1px solid var(--gray-200);
}
.breadcrumb a { color: var(--charcoal); }
.breadcrumb a:hover { color: var(--orange); }
.breadcrumb .sep { margin: 0 8px; color: var(--gray-400); }
.breadcrumb .current { color: var(--orange); font-weight: 600; }

.section {
  padding: 64px 0;
}
.section.alt { background: var(--gray-100); }

.section-head {
  max-width: 640px;
  margin-bottom: 40px;
}
.section-head h2 {
  font-size: 2rem;
  margin-bottom: 14px;
}
.section-head p {
  color: var(--charcoal);
  font-size: 1rem;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}

.feature-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 30px 26px;
}

.feature-card .icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--orange-light);
  color: var(--orange-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.feature-card h3 {
  font-size: 1.1rem;
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 0.9rem;
  color: var(--charcoal);
}

.split {
  display: flex;
  align-items: center;
  gap: 50px;
  flex-wrap: wrap;
}
.split > * { flex: 1 1 420px; }
.split img, .split .split-image {
  border-radius: var(--radius-md);
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  background-size: cover;
  background-position: center;
}
.split.reverse { flex-direction: row-reverse; }

.split h2 { font-size: 1.9rem; margin-bottom: 18px; }
.split p { color: var(--charcoal); margin-bottom: 16px; font-size: 0.98rem; }
.split ul { margin-bottom: 22px; }
.split ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 0.95rem;
  color: var(--charcoal);
}
.split ul li .check {
  color: var(--orange);
  flex-shrink: 0;
  margin-top: 3px;
}

.stats-strip {
  background: var(--ink);
  color: var(--white);
  padding: 46px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stats-grid .num {
  font-family: var(--font-display);
  font-size: 2.1rem;
  color: var(--orange);
  font-weight: 700;
}
.stats-grid .label {
  font-size: 0.85rem;
  color: var(--gray-400);
  margin-top: 6px;
}

.pricing-table {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.price-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 30px;
  text-align: center;
}
.price-card.featured {
  border-color: var(--orange);
  box-shadow: var(--shadow-soft);
  position: relative;
}
.price-card.featured::before {
  content: "Most popular";
  position: absolute;
  top: -13px; left: 50%;
  transform: translateX(-50%);
  background: var(--orange);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: var(--radius-pill);
}
.price-card h3 { font-size: 1.1rem; margin-bottom: 6px; }
.price-card .price {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  margin: 14px 0;
}
.price-card ul { text-align: left; margin: 20px 0; }
.price-card ul li { font-size: 0.88rem; margin-bottom: 10px; color: var(--charcoal); }

.cta-band {
  background: var(--orange);
  color: var(--white);
  padding: 56px 0;
  text-align: center;
}
.cta-band h2 { font-size: 1.9rem; margin-bottom: 14px; }
.cta-band p { margin-bottom: 26px; color: rgba(255,255,255,0.92); }
.cta-band .btn-outline { border-color: var(--white); color: var(--white); }
.cta-band .btn-outline:hover { background: var(--white); color: var(--orange-dark); }

/* Contact page */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 50px;
}

.contact-info-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 26px;
  margin-bottom: 18px;
  display: flex;
  gap: 16px;
}
.contact-info-card .icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--orange-light);
  color: var(--orange-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-info-card h3 { font-size: 1rem; margin-bottom: 6px; }
.contact-info-card p, .contact-info-card a { font-size: 0.9rem; color: var(--charcoal); display: block; }

.contact-form {
  background: var(--gray-100);
  border-radius: var(--radius-md);
  padding: 36px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 18px;
}
.form-field { display: flex; flex-direction: column; gap: 8px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-size: 0.85rem; font-weight: 600; }
.form-field input,
.form-field select,
.form-field textarea {
  padding: 12px 14px;
  border: 1px solid var(--gray-400);
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.9rem;
  background: var(--white);
}
.form-field textarea { resize: vertical; min-height: 120px; }
.form-status {
  margin-top: 16px;
  font-size: 0.9rem;
  min-height: 1.2em;
  color: var(--orange-dark);
  font-weight: 600;
}

.map-embed {
  margin-top: 30px;
  border-radius: var(--radius-md);
  overflow: hidden;
  aspect-ratio: 16/6;
  background-size: cover;
  background-position: center;
}

.branch-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}
.branch-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 22px;
}
.branch-card h4 { font-size: 1rem; margin-bottom: 8px; }
.branch-card p { font-size: 0.85rem; color: var(--charcoal); margin-bottom: 4px; }

/* About page timeline */
.timeline {
  border-left: 2px solid var(--gray-200);
  padding-left: 30px;
  margin-top: 10px;
}
.timeline-item { position: relative; padding-bottom: 34px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: "";
  position: absolute;
  left: -36px; top: 4px;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--orange);
  border: 3px solid var(--orange-light);
}
.timeline-item .year {
  font-family: var(--font-display);
  color: var(--orange);
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 6px;
}
.timeline-item p { color: var(--charcoal); font-size: 0.92rem; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.team-card { text-align: center; }
.team-card .photo {
  width: 100%;
  height: 20em;
  aspect-ratio: 1;
  border-radius: var(--radius-md);
  background-size: cover;
  background-position: center;
  margin-bottom: 14px;
}

.team-card .photo img{
  width: 100%; height: 100%; object-fit: cover;
}

.team-card h4 { font-size: 0.98rem; margin-bottom: 4px; }
.team-card span { font-size: 0.82rem; color: var(--charcoal); }

.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.value-card {
  text-align: center;
  padding: 10px;
}
.value-card .icon {
  width: 54px; height: 54px;
  border-radius: 50%;
  background: var(--orange-light);
  color: var(--orange-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.value-card h4 { font-size: 1rem; margin-bottom: 8px; }
.value-card p { font-size: 0.86rem; color: var(--charcoal); }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1024px) {
  .journey-grid { grid-template-columns: repeat(2, 1fr); }
  .resources-grid { grid-template-columns: repeat(3, 1fr); }
  .news-track { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-columns { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .pricing-table { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .team-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .branch-list { grid-template-columns: 1fr; }
}

@media (max-width: 780px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .header-actions .about-link { display: none; }
  .hero-content { flex-direction: column; align-items: flex-start; }
  .hero-panel { width: 100%; }
  .hero-text h1 { font-size: 2rem; }
  .journey-grid { grid-template-columns: 1fr; }
  .resources-grid { grid-template-columns: repeat(2, 1fr); }
  .app-promo .container { flex-direction: column; }
  .newsletter .container { flex-direction: column; align-items: flex-start; }
  .newsletter-inputs { max-width: 100%; }
  .split, .split.reverse { flex-direction: column; }
  .form-row { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 1.8rem; }
}

/* mobile nav drawer */
body.nav-open .mobile-nav { display: flex; }
.mobile-nav {
  display: none;
  position: fixed;
  inset: 76px 0 0 0;
  background: var(--white);
  z-index: 199;
  flex-direction: column;
  padding: 24px;
  gap: 4px;
  overflow-y: auto;
}
.mobile-nav a {
  padding: 16px 4px;
  font-size: 1.05rem;
  font-weight: 600;
  border-bottom: 1px solid var(--gray-200);
}
.mobile-nav .btn-primary { margin-top: 20px; }