/* Prarvi Consultancy — Shared site chrome (header + nav) */

@import url("glass-system.css");
@import url("site-motion.css");
@import url("site-fab.css?v=9");
@import url("site-chatbot.css?v=13");
@import url("mobile-refinements.css?v=2");

:root {
  --navy: #0b0a88;
  --navy-dark: #070766;
  --teal: #55d1cb;
  --teal-dark: #3bb8b2;
  --gold: #e8b923;
  --text: #1a1a2e;
  --text-muted: #5c6370;
  --bg: #f6f8fc;
  --white: #ffffff;
  --border: #e2e8f0;
  --shadow: 0 4px 24px rgba(11, 10, 136, 0.08);
  --shadow-lg: 0 20px 50px rgba(11, 10, 136, 0.12);
  --radius: 12px;
  --radius-lg: 20px;
  --font: "Plus Jakarta Sans", system-ui, sans-serif;
  --header-h: 96px;
  --topbar-h: 0px;
  --section-y: 5rem;
  --section-y-tight: 3rem;
  --footer-bg-image: url("../img/pages/heroes/site-footer-bg.jpg");
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
}

a {
  color: var(--navy);
  text-decoration: none;
  transition: color 0.2s ease;
}

a:hover {
  color: var(--teal-dark);
}

.container {
  width: min(1140px, 92vw);
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 10000;
  padding: 0.75rem 1rem;
  background: var(--navy);
  color: var(--white);
}

.skip-link:focus {
  left: 0;
}

/* Top bar */
.topbar {
  background: linear-gradient(90deg, var(--navy-dark) 0%, var(--navy) 55%, #1211a8 100%);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(85, 209, 203, 0.2);
}

.topbar__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem 1rem;
  min-height: var(--topbar-h);
  padding: 0.4rem 0;
}

.topbar a {
  color: inherit;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: color 0.2s ease;
}

.topbar a:hover {
  color: var(--teal);
}

.topbar a i {
  font-size: 1rem;
  color: var(--teal);
  opacity: 0.95;
}

.topbar__group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 0.75rem;
}

.topbar__group:first-child a {
  padding: 0.28rem 0.65rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.topbar__group:first-child a:hover {
  background: rgba(85, 209, 203, 0.18);
  border-color: rgba(85, 209, 203, 0.35);
}

.topbar__social {
  display: flex;
  gap: 0.5rem;
}

.topbar__social a {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition:
    background 0.2s ease,
    border-color 0.2s ease,
    color 0.2s ease;
}

.topbar__social a:hover {
  background: var(--teal);
  border-color: var(--teal);
  color: var(--navy);
}

.topbar__social a:hover i {
  color: var(--navy);
}

/* Sticky shell: header only */
.site-shell {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 8px 32px rgba(11, 10, 136, 0.1);
}

/* Header */
.site-header {
  position: relative;
  z-index: 1;
  background: linear-gradient(180deg, #ffffff 0%, #fafbff 100%);
}

.site-header::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--navy) 0%,
    var(--teal) 35%,
    #9ef8f5 50%,
    var(--teal) 65%,
    var(--navy) 100%
  );
  pointer-events: none;
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  min-height: var(--header-h);
  padding-block: 0.65rem;
}

.site-header__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  line-height: 0;
  transition: transform 0.25s ease;
}

.site-header__logo:hover {
  transform: scale(1.02);
}

.site-header__logo img {
  display: block;
  height: 56px;
  width: auto;
  max-width: min(200px, 38vw);
  object-fit: contain;
  filter: drop-shadow(0 2px 8px rgba(11, 10, 136, 0.12));
  transition: filter 0.25s ease, transform 0.25s ease;
}

.site-header__logo:hover img {
  filter: drop-shadow(0 4px 14px rgba(85, 209, 203, 0.35));
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 1px solid rgba(11, 10, 136, 0.12);
  border-radius: 10px;
  background: var(--bg);
  cursor: pointer;
  transition:
    border-color 0.2s ease,
    background 0.2s ease;
}

.nav-toggle:hover {
  border-color: rgba(85, 209, 203, 0.55);
  background: rgba(85, 209, 203, 0.1);
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.nav-toggle[aria-expanded="true"] {
  border-color: var(--navy);
  background: rgba(11, 10, 136, 0.06);
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex: 1;
  min-width: 0;
  justify-content: flex-end;
}

.main-nav__list {
  display: flex;
  align-items: center;
  flex-wrap: nowrap;
  gap: 0.05rem;
  list-style: none;
  margin: 0;
  padding: 0.3rem;
  background: rgba(246, 248, 252, 0.95);
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 16px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.9);
}

.main-nav__link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.5rem 0.62rem;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0;
  white-space: nowrap;
  color: #3a4260;
  border-radius: 12px;
  text-decoration: none;
  transition:
    color 0.22s ease,
    background 0.22s ease,
    box-shadow 0.22s ease,
    transform 0.22s ease;
}

.main-nav__link:hover {
  color: var(--navy);
  background: var(--white);
  box-shadow: 0 4px 14px rgba(11, 10, 136, 0.08);
  transform: translateY(-1px);
}

.main-nav__link.is-active {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy) 0%, #1a19b0 55%, #0d0c92 100%);
  box-shadow: 0 6px 18px rgba(11, 10, 136, 0.28);
}

.nav-item--dropdown {
  position: relative;
}

.nav-item--dropdown > .main-nav__link--services::after {
  content: "";
  display: inline-block;
  width: 0;
  height: 0;
  margin-left: 0.2rem;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  transition: transform 0.2s ease;
}

.nav-item--dropdown:hover > .main-nav__link--services::after,
.nav-item--dropdown:focus-within > .main-nav__link--services::after,
.nav-item--dropdown.is-open > .main-nav__link--services::after {
  transform: rotate(180deg);
}

.nav-item--dropdown:hover > .main-nav__link--services,
.nav-item--dropdown:focus-within > .main-nav__link--services,
.nav-item--dropdown.is-open > .main-nav__link--services {
  color: var(--navy);
  background: var(--white);
  box-shadow: 0 4px 14px rgba(11, 10, 136, 0.1);
}

.nav-dropdown {
  position: absolute;
  top: calc(100% + 0.65rem);
  left: 0;
  min-width: 24.5rem;
  margin: 0;
  padding: 0.75rem;
  list-style: none;
  background: var(--white);
  border: 1px solid rgba(11, 10, 136, 0.1);
  border-radius: 16px;
  box-shadow:
    0 20px 56px rgba(11, 10, 136, 0.16),
    0 0 0 1px rgba(85, 209, 203, 0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition:
    opacity 0.24s ease,
    transform 0.24s ease,
    visibility 0.24s;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.2rem;
}

.nav-dropdown::before {
  content: "";
  position: absolute;
  top: 0;
  left: 1rem;
  right: 1rem;
  height: 3px;
  border-radius: 0 0 4px 4px;
  background: linear-gradient(90deg, var(--navy), var(--teal));
}

.nav-item--dropdown:hover .nav-dropdown,
.nav-item--dropdown:focus-within .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown__title {
  grid-column: 1 / -1;
  margin: 0;
  padding: 0.5rem 0.65rem 0.35rem;
  font-size: 0.6875rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal-dark);
}

.nav-dropdown a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  width: 100%;
  padding: 0.6rem 0.7rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text);
  border-radius: 10px;
  text-decoration: none;
  transition:
    color 0.2s ease,
    background 0.2s ease,
    transform 0.2s ease;
}

.nav-dropdown a:hover {
  color: var(--navy);
  background: linear-gradient(90deg, rgba(85, 209, 203, 0.16) 0%, rgba(85, 209, 203, 0.06) 100%);
  transform: translateX(3px);
}

.nav-dropdown__footer {
  grid-column: 1 / -1;
  margin-top: 0.25rem;
  padding-top: 0.35rem;
  border-top: 1px solid var(--border);
}

.nav-dropdown__footer a {
  justify-content: center;
  gap: 0.5rem;
  padding: 0.7rem 1rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--white);
  background: linear-gradient(135deg, var(--navy) 0%, #1a19b0 100%);
  box-shadow: 0 4px 14px rgba(11, 10, 136, 0.2);
}

.nav-dropdown__footer a:hover {
  color: var(--white);
  background: linear-gradient(135deg, #1a19b0 0%, var(--navy-dark) 100%);
  transform: translateY(-1px);
}

.nav-dropdown__footer a i {
  font-size: 1rem;
  transition: transform 0.2s ease;
}

.nav-dropdown__footer a:hover i {
  transform: translateX(4px);
}

.nav-dropdown__wide {
  grid-column: 1 / -1;
}

.nav-dropdown__wide a {
  white-space: normal;
}

.nav-dropdown__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  font-size: 1.05rem;
  line-height: 1;
  color: var(--navy);
  background: linear-gradient(145deg, rgba(11, 10, 136, 0.07) 0%, rgba(85, 209, 203, 0.2) 100%);
  border: 1px solid rgba(85, 209, 203, 0.3);
  border-radius: 10px;
  flex-shrink: 0;
  transition:
    background 0.2s ease,
    color 0.2s ease,
    border-color 0.2s ease,
    transform 0.2s ease;
}

.nav-dropdown a:hover .nav-dropdown__icon {
  color: var(--white);
  background: linear-gradient(145deg, var(--navy) 0%, #1a19b0 100%);
  border-color: var(--navy);
  transform: scale(1.05);
}

.site-header .header-cta {
  margin-left: 0.35rem;
  padding-inline: 1.25rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  box-shadow:
    0 4px 18px rgba(85, 209, 203, 0.45),
    0 0 0 1px rgba(255, 255, 255, 0.4) inset;
}

.site-header .header-cta i {
  font-size: 1.15rem;
}

/* Buttons */
.btn {
  --btn-h: 2.75rem;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: var(--btn-h);
  padding: 0 1.5rem;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  line-height: 1.2;
  text-decoration: none;
  white-space: nowrap;
  border: 2px solid transparent;
  border-radius: 999px;
  cursor: pointer;
  user-select: none;
  transition:
    transform 0.2s cubic-bezier(0.34, 1.4, 0.64, 1),
    box-shadow 0.25s ease,
    background 0.25s ease,
    border-color 0.25s ease,
    color 0.2s ease;
}

.btn:focus {
  outline: none;
}

.btn:focus-visible {
  outline: 3px solid rgba(85, 209, 203, 0.65);
  outline-offset: 3px;
}

.btn:active {
  transform: translateY(1px) scale(0.98);
}

.btn--sm {
  --btn-h: 2.25rem;
  padding: 0 1.1rem;
  font-size: 0.8125rem;
  font-weight: 600;
}

.btn--lg {
  --btn-h: 3.25rem;
  padding: 0 1.85rem;
  font-size: 1rem;
}

.btn--block {
  width: 100%;
}

/* Primary — navy gradient + soft glow */
.btn--primary {
  color: var(--white);
  background: linear-gradient(135deg, #1211a8 0%, var(--navy) 45%, #090878 100%);
  border-color: rgba(255, 255, 255, 0.12);
  box-shadow:
    0 4px 18px rgba(11, 10, 136, 0.4),
    inset 0 1px 0 rgba(255, 255, 255, 0.18);
}

.btn--primary::after {
  content: "→";
  font-size: 1.05em;
  opacity: 0.9;
  transition: transform 0.2s ease;
}

.btn--primary:hover {
  color: var(--white);
  background: linear-gradient(135deg, #1c1bb8 0%, #0e0d9a 50%, var(--navy-dark) 100%);
  box-shadow:
    0 8px 28px rgba(11, 10, 136, 0.45),
    0 0 0 1px rgba(85, 209, 203, 0.35),
    inset 0 1px 0 rgba(255, 255, 255, 0.22);
  transform: translateY(-2px);
}

.btn--primary:hover::after {
  transform: translateX(4px);
}

/* Header / topbar CTA — teal accent */
.btn--accent {
  color: var(--navy-dark);
  background: linear-gradient(135deg, #7ae8e2 0%, var(--teal) 55%, #3bc4bd 100%);
  border-color: rgba(255, 255, 255, 0.5);
  box-shadow: 0 3px 14px rgba(85, 209, 203, 0.45);
}

.btn--accent::after {
  display: none;
}

.btn--accent:hover {
  color: var(--navy-dark);
  background: linear-gradient(135deg, #9ef0eb 0%, #6dddd6 100%);
  box-shadow: 0 6px 20px rgba(85, 209, 203, 0.55);
  transform: translateY(-2px);
}

/* Outline — glass on hero, solid elsewhere */
.btn--outline {
  color: var(--navy);
  background: rgba(255, 255, 255, 0.75);
  border-color: rgba(11, 10, 136, 0.35);
  backdrop-filter: blur(8px);
  box-shadow: 0 2px 10px rgba(11, 10, 136, 0.08);
}

.btn--outline::after {
  display: none;
}

.btn--outline:hover {
  color: var(--white);
  background: var(--navy);
  border-color: var(--navy);
  box-shadow: 0 6px 22px rgba(11, 10, 136, 0.3);
  transform: translateY(-2px);
}

.btn--outline-light {
  color: var(--white);
  background: transparent;
  border-color: rgba(255, 255, 255, 0.55);
  box-shadow: none;
}

.btn--outline-light::after {
  display: none;
}

.btn--outline-light:hover {
  color: var(--navy-dark);
  background: var(--white);
  border-color: var(--white);
  transform: translateY(-2px);
}

/* Soft — top bar / low emphasis */
.btn--soft {
  color: var(--white);
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.22);
}

.btn--soft::after {
  display: none;
}

.btn--soft:hover {
  color: var(--navy-dark);
  background: var(--teal);
  border-color: var(--teal);
  transform: translateY(-1px);
}

.site-header .header-cta {
  flex-shrink: 0;
  white-space: nowrap;
  padding-inline: 0.85rem;
  font-size: 0.8125rem;
}

@media (min-width: 993px) and (max-width: 1280px) {
  .site-header__inner {
    gap: 0.65rem;
  }

  .main-nav__link {
    padding: 0.45rem 0.5rem;
    font-size: 0.78125rem;
  }

  .site-header .header-cta {
    padding-inline: 0.7rem;
    font-size: 0.75rem;
  }
}

@media (max-width: 1100px) {
  .main-nav__list {
    padding: 0.25rem;
  }

  .main-nav__link {
    padding: 0.45rem 0.5rem;
    font-size: 0.78125rem;
  }

  .site-header .header-cta {
    padding-inline: 0.75rem;
    font-size: 0.75rem;
  }

  .site-header .header-cta {
    gap: 0.35rem;
  }
}
@media (max-width: 992px) {
  :root {
    --header-h: 80px;
  }

  .nav-toggle {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: var(--shell-h, 4.75rem);
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 999;
    background: linear-gradient(180deg, #ffffff 0%, #f6f8fc 100%);
    padding: 1rem 1.25rem 2rem;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition:
      opacity 0.25s ease,
      transform 0.25s ease,
      visibility 0.25s;
  }

  .main-nav.is-open {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  /* Portaled to body — panel below sticky header */
  .main-nav.main-nav--portal {
    position: fixed;
    top: var(--shell-h, 4.75rem);
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: auto;
    max-height: none;
    z-index: 999;
    margin: 0;
    flex: none;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: 1rem 1.25rem calc(1.5rem + env(safe-area-inset-bottom, 0px));
    background: #ffffff;
    box-shadow: none;
    transform: none;
  }

  .main-nav.main-nav--portal.is-open {
    transform: none;
  }

  .main-nav.main-nav--portal .main-nav__list {
    flex: 1 1 auto;
    min-height: 0;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }

  .main-nav.main-nav--portal .main-nav__link {
    color: #0b0a88;
    white-space: normal;
  }

  .nav-dropdown {
    position: static;
    left: auto;
    transform: none;
    min-width: 0;
    width: 100%;
    margin: 0.25rem 0 0.5rem;
    padding: 0.5rem;
    border-radius: 12px;
    background: var(--bg);
    border: 1px solid var(--border);
    box-shadow: none;
    opacity: 1;
    visibility: visible;
    display: none;
    grid-template-columns: 1fr;
    gap: 0.2rem;
  }

  .main-nav.is-open .nav-item--dropdown.is-open > .main-nav__link--services {
    background: rgba(85, 209, 203, 0.1);
    border-color: rgba(85, 209, 203, 0.35);
  }

  /* Mobile: show loan services only when Services is tapped */
  .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown {
    display: grid;
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open {
    margin-bottom: 0.35rem;
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open > .main-nav__link--services::after {
    transform: rotate(180deg);
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open .nav-dropdown a {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    min-height: 2.75rem;
    padding: 0.65rem 0.85rem;
    font-size: 0.9375rem;
    font-weight: 600;
    color: #0b0a88;
    border-radius: 10px;
    text-decoration: none;
    background: #fff;
    border: 1px solid rgba(11, 10, 136, 0.08);
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open .nav-dropdown a:active,
  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open .nav-dropdown a:hover {
    background: rgba(85, 209, 203, 0.12);
    border-color: rgba(85, 209, 203, 0.35);
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open .nav-dropdown__title {
    margin: 0 0 0.35rem;
    padding: 0.35rem 0.5rem 0;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #3bb8b2;
  }

  .main-nav.main-nav--portal.is-open .nav-item--dropdown.is-open .nav-dropdown__footer a {
    justify-content: center;
    font-weight: 700;
    background: rgba(11, 10, 136, 0.06);
  }

  body.nav-open {
    overflow: hidden;
  }

  body.nav-open .site-shell {
    z-index: 10001;
  }

  .main-nav__list {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    gap: 0.35rem;
    padding: 0;
    background: transparent;
    border: none;
    border-radius: 0;
    box-shadow: none;
  }

  .main-nav__link.is-active {
    color: var(--navy);
    background: rgba(85, 209, 203, 0.14);
    box-shadow: inset 0 -2px 0 var(--teal);
  }

  .main-nav__link {
    width: 100%;
    padding: 0.85rem 1rem;
    font-size: 1.0625rem;
    border-radius: 12px;
    border: 1px solid transparent;
  }

  .main-nav__link.is-active {
    border-color: rgba(85, 209, 203, 0.45);
  }

  .nav-toggle {
    position: relative;
    z-index: 1001;
  }

  .nav-item--dropdown.is-open .nav-dropdown {
    display: grid;
  }

  .nav-dropdown::before {
    display: none;
  }

  .nav-dropdown__title {
    padding-top: 0.25rem;
  }

  .nav-dropdown a {
    padding: 0.65rem 0.75rem;
    font-size: 0.9375rem;
  }

  .nav-dropdown a:hover {
    transform: none;
  }

  .nav-dropdown__footer a:hover {
    transform: none;
  }

  .nav-dropdown__wide {
    grid-column: auto;
  }

  .site-header .header-cta {
    width: 100%;
    margin: 1rem 0 0;
    min-height: 3rem;
    font-size: 1rem;
  }
}

/* Mobile */
@media (max-width: 768px) {
  :root {
    --topbar-h: auto;
    --header-h: 72px;
  }

  .container {
    width: min(100%, 100%);
    padding-inline: clamp(1rem, 4vw, 1.25rem);
  }

  .topbar__inner {
    flex-direction: column;
    align-items: stretch;
    gap: 0.65rem;
    padding: 0.65rem clamp(1rem, 4vw, 1.25rem);
  }

  .topbar__group {
    justify-content: center;
    gap: 0.5rem 0.85rem;
  }

  .topbar__group:first-child {
    flex-wrap: wrap;
  }

  .topbar .btn--soft {
    display: none;
  }

  .site-header__logo img {
    height: 48px;
  }

  .hero--professional {
    min-height: auto;
  }

  .hero__container {
    padding: clamp(2.75rem, 12vw, 4rem) 0 clamp(2rem, 8vw, 3rem);
  }
}

/* Loan / legacy pages — hide old header */
body.has-site-chrome .preloader,
body.has-site-chrome .header-area,
body.has-site-chrome .search-overlay {
  display: none !important;
}

body.has-site-chrome .footer-area a {
  color: inherit;
}

.nav-dropdown a.is-current {
  background: rgba(85, 209, 203, 0.22);
  color: var(--navy);
  font-weight: 700;
}

.site-shell .container {
  max-width: none;
}

/* ------------------------------------------------------------------
   Site footer — matches home page (overrides legacy style.css)
   ------------------------------------------------------------------ */
.site-footer {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  color: rgba(255, 255, 255, 0.9);
  padding: 4rem 0 0;
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(
      165deg,
      rgba(7, 7, 102, 0.93) 0%,
      rgba(11, 10, 136, 0.86) 45%,
      rgba(20, 92, 108, 0.88) 100%
    ),
    var(--footer-bg-image);
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.site-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--teal) 50%, var(--navy) 100%);
  opacity: 0.95;
  z-index: 0;
}

.site-footer::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 85% 15%, rgba(85, 209, 203, 0.14), transparent 42%),
    radial-gradient(circle at 10% 90%, rgba(85, 209, 203, 0.08), transparent 38%);
  pointer-events: none;
  z-index: 0;
}

.site-footer > .container,
.site-footer > .footer-bottom {
  position: relative;
  z-index: 1;
}

.site-footer .container {
  width: min(1140px, 92vw);
  max-width: 1140px;
  margin-inline: auto;
  padding-inline: clamp(1rem, 4vw, 1.5rem);
}

.site-footer a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--teal);
}

.site-footer .footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
}

.site-footer .footer-brand p {
  font-size: 0.9375rem;
  line-height: 1.65;
  margin: 1rem 0;
  color: rgba(255, 255, 255, 0.92);
}

.site-footer .footer-brand__logo {
  display: inline-block;
  margin-bottom: 0.35rem;
  padding: 0.55rem 0.85rem;
  background: #fff;
  border-radius: 12px;
  line-height: 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.12);
}

.site-footer .footer-brand__logo img {
  display: block;
  height: 44px;
  width: auto;
  max-width: min(100%, 220px);
}

.site-footer .footer-social {
  display: flex;
  gap: 0.65rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-footer .footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(85, 209, 203, 0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.site-footer .footer-social a:hover {
  background: var(--teal);
  color: var(--navy);
  border-color: var(--teal);
  transform: translateY(-2px);
}

.site-footer .footer-col h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 1rem;
  padding-bottom: 0.55rem;
  border-bottom: 2px solid rgba(85, 209, 203, 0.35);
}

.site-footer .footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-footer .footer-links li {
  margin-bottom: 0.5rem;
}

.site-footer .footer-links a {
  font-size: 0.9375rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.site-footer .footer-contact li {
  margin-bottom: 0.85rem;
  font-size: 0.9375rem;
  display: flex;
  gap: 0.5rem;
  align-items: flex-start;
}

.site-footer .footer-contact i {
  margin-top: 0.2rem;
  color: var(--teal);
  flex-shrink: 0;
}

.site-footer .footer-bottom {
  background: rgba(4, 4, 58, 0.55);
  border-top: 1px solid rgba(85, 209, 203, 0.2);
  padding: 1.25rem 0;
  text-align: center;
  font-size: 0.875rem;
  backdrop-filter: blur(4px);
}

.site-footer .footer-bottom p {
  margin: 0;
  padding: 0;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.875rem;
}

.site-footer .footer-bottom a {
  font-weight: 600;
  color: var(--teal);
}

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

/* Back to top */
.go-top {
  position: fixed;
  bottom: 1.25rem;
  left: 1.25rem;
  width: 3rem;
  height: 3rem;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, #1a18b5 100%);
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.2);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  box-shadow: 0 6px 24px rgba(11, 10, 136, 0.4);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px) scale(0.9);
  transition:
    opacity 0.25s ease,
    transform 0.25s cubic-bezier(0.34, 1.4, 0.64, 1),
    visibility 0.25s,
    box-shadow 0.2s ease;
  z-index: 900;
}

.go-top.is-visible,
.go-top.active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

.go-top.is-visible:hover,
.go-top.active:hover {
  box-shadow: 0 8px 28px rgba(11, 10, 136, 0.5);
  transform: translateY(-2px) scale(1.05);
}

@media (max-width: 991px) {
  .site-footer .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .site-footer .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .go-top {
    right: auto;
    left: 1rem;
    bottom: 1rem;
    width: 2.75rem;
    height: 2.75rem;
  }
}

/* Mobile — Our loan services dropdown (opens only when Services is tapped) */
@media (max-width: 992px) {
  .nav-item--dropdown:hover > .main-nav__link--services::after,
  .nav-item--dropdown:focus-within > .main-nav__link--services::after {
    transform: none;
  }

  .nav-item--dropdown.is-open > .main-nav__link--services::after {
    transform: rotate(180deg);
  }

  .nav-item--dropdown:hover .nav-dropdown,
  .nav-item--dropdown:focus-within .nav-dropdown {
    display: none !important;
    opacity: 0 !important;
    visibility: hidden !important;
  }

  .nav-item--dropdown.is-open > .nav-dropdown {
    display: grid !important;
    opacity: 1 !important;
    visibility: visible !important;
    position: static !important;
    transform: none !important;
    overflow: visible !important;
    pointer-events: auto !important;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.45rem;
    margin: 0.35rem 0 0.75rem;
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown__title {
    margin: 0 0 0.15rem;
    padding: 0.15rem 0.25rem 0.35rem;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #3bb8b2;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown > li {
    margin: 0;
    padding: 0;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown a {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    width: 100%;
    min-height: 3rem;
    padding: 0.7rem 0.9rem;
    font-size: 0.9375rem;
    font-weight: 600;
    line-height: 1.3;
    color: #0b0a88;
    border-radius: 12px;
    text-decoration: none;
    background: #fff;
    border: 1px solid rgba(11, 10, 136, 0.1);
    box-shadow: 0 1px 2px rgba(11, 10, 136, 0.05);
    transform: none;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown a:hover,
  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown a:active {
    background: rgba(85, 209, 203, 0.1);
    border-color: rgba(85, 209, 203, 0.35);
    transform: none;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.25rem;
    height: 2.25rem;
    font-size: 1.1rem;
    line-height: 1;
    color: #0b0a88;
    background: rgba(85, 209, 203, 0.18);
    border: 1px solid rgba(85, 209, 203, 0.35);
    border-radius: 10px;
    flex-shrink: 0;
    transform: none;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown a:hover .nav-dropdown__icon {
    color: #0b0a88;
    background: rgba(85, 209, 203, 0.28);
    border-color: rgba(85, 209, 203, 0.45);
    transform: none;
  }

  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown__wide a {
    white-space: normal;
  }

  /* Keep only the 10 loan services shown in the mobile dropdown */
  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown li:has(a[href*="balance-transfer"]),
  body.has-site-chrome .main-nav.is-open .nav-item--dropdown.is-open .nav-dropdown__footer {
    display: none;
  }
}