:root{
    --navy:#074A27;
    --navy-2:#0A6E38;
    --teal:#C9A227;
    --teal-dark:#A6841E;
    --amber:#E9A23B;
    --light:#F6F7F1;
    --gray-700:#4A5568;
    --gray-500:#7C8896;
    --border:#E4E9EE;
  }

  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    font-family:'Inter',sans-serif;
    color:var(--gray-700);
    line-height:1.7;
    overflow-x:hidden;
  }
  h1,h2,h3,h4,h5,.brand,.display-font{
    font-family:'Poppins',sans-serif;
    color:var(--navy);
  }
  a{text-decoration:none;}
  .section{padding:100px 0;}
  .section-sm{padding:70px 0;}
  @media (max-width:768px){
    .section{padding:70px 0;}
    .section-sm{padding:50px 0;}
  }
  .eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    font-size:.8rem;
    font-weight:700;
    letter-spacing:.12em;
    text-transform:uppercase;
    color:var(--teal-dark);
    background:rgba(201,162,39,.12);
    padding:6px 16px;
    border-radius:30px;
    margin-bottom:18px;
  }
  .eyebrow::before{
    content:"";
    width:6px;height:6px;
    border-radius:50%;
    background:var(--teal);
    display:inline-block;
  }
  .section-title{
    font-weight:700;
    font-size:2.3rem;
    margin-bottom:18px;
  }
  .section-lead{
    color:var(--gray-500);
    font-size:1.05rem;
    max-width:640px;
  }
  .btn-teal{
    background:var(--teal);
    border:1px solid var(--teal);
    color:#fff;
    font-weight:600;
    padding:13px 30px;
    border-radius:6px;
    transition:.25s ease;
  }
  .btn-teal:hover{background:var(--teal-dark);border-color:var(--teal-dark);color:#fff;}
  .btn-outline-navy{
    border:1px solid rgba(255,255,255,.5);
    color:#fff;
    font-weight:600;
    padding:12px 28px;
    border-radius:6px;
    transition:.25s ease;
  }
  .btn-outline-navy:hover{background:rgba(255,255,255,.12);color:#fff;}
  .btn-navy{
    background:var(--navy);
    border:1px solid var(--navy);
    color:#fff;
    font-weight:600;
    padding:13px 30px;
    border-radius:6px;
    transition:.25s ease;
  }
  .btn-navy:hover{background:var(--navy-2);color:#fff;}

  /* ===== NAVBAR ===== */
  .navbar{
    padding:16px 0;
    transition:.3s ease;
  }
  .navbar.scrolled{
    padding:10px 0;
    box-shadow:0 6px 24px rgba(7,74,39,.1);
    background:#fff !important;
  }
  .navbar-brand{
    font-family:'Poppins',sans-serif;
    font-weight:700;
    font-size:1.25rem;
    color:var(--navy) !important;
    line-height:1.1;
  }
  .navbar-brand small{
    display:block;
    font-family:'Inter',sans-serif;
    font-size:.6rem;
    font-weight:600;
    letter-spacing:.14em;
    color:var(--teal-dark);
    text-transform:uppercase;
  }
  .brand-mark-img{
    width:46px;height:46px;
    background:#fff;
    border:1px solid var(--border);
    border-radius:50%;
    display:inline-flex;
    align-items:center;justify-content:center;
    margin-right:10px;
    overflow:hidden;
    flex:none;
  }
  .brand-mark-img img{width:100%;height:100%;object-fit:contain;padding:2px;}
  .nav-link{
    font-weight:600;
    font-size:.94rem;
    color:var(--navy) !important;
    margin:0 12px;
    padding:8px 0 !important;
    position:relative;
  }
  .nav-link.active,.nav-link:hover{color:var(--teal-dark) !important;}
  .top-strip{
    background:var(--navy);
    color:rgba(255,255,255,.85);
    font-size:.83rem;
    padding:9px 0;
  }
  .top-strip a{color:#fff;}
  .top-strip .divider{opacity:.3;margin:0 14px;}

  /* ===== HERO / SLIDER ===== */
  .hero-carousel{
    background:linear-gradient(120deg,#042816,#0a6e38);
    color:#fff;
    position:relative;
    overflow:hidden;
  }
  .hero-carousel::after{
    content:"";
    position:absolute;
    right:-120px;bottom:-120px;
    width:420px;height:420px;
    background:radial-gradient(circle,rgba(201,162,39,.35),transparent 70%);
    border-radius:50%;
    pointer-events:none;
    z-index:1;
  }
  .hero-slide-inner{
    min-height:640px;
    display:flex;
    align-items:center;
    padding:150px 0 100px;
    position:relative;
    z-index:2;
  }
  .hero-slide-inner .hero-title{
    color:#fff;
    font-weight:800;
    font-size:2.7rem;
    line-height:1.22;
    margin-bottom:20px;
  }
  .hero-slide-inner .hero-title span{color:var(--teal);}
  .hero-slide-inner p.lead{
    color:rgba(255,255,255,.85);
    font-size:1.08rem;
    max-width:560px;
    margin-bottom:30px;
  }
  .hero-stats{
    display:flex;
    gap:36px;
    margin-top:48px;
    flex-wrap:wrap;
  }
  .hero-stats .stat h3{color:#fff;font-weight:800;font-size:1.8rem;margin-bottom:2px;}
  .hero-stats .stat span{color:rgba(255,255,255,.65);font-size:.83rem;}
  .hero-badge-card{
    background:#fff;
    border-radius:14px;
    padding:20px 22px;
    box-shadow:0 20px 50px rgba(0,0,0,.25);
    position:absolute;
    max-width:230px;
  }
  .hero-badge-card.card-1{top:6%;right:4%;}
  .hero-badge-card.card-2{bottom:8%;right:14%;}
  .hero-badge-card.card-solo{bottom:8%;left:-6%;}
  .hero-badge-card i{color:var(--teal-dark);font-size:1.5rem;}
  .hero-badge-card h6{font-size:.88rem;font-weight:700;margin:9px 0 2px;color:var(--navy);}
  .hero-badge-card p{font-size:.76rem;color:var(--gray-500);margin:0;}
  .hero-visual{position:relative;height:480px;}
  .hero-visual img{
    width:100%;height:100%;
    object-fit:cover;
    border-radius:20px;
    box-shadow:0 25px 60px rgba(0,0,0,.35);
  }

  .hero-carousel .carousel-indicators{
    bottom:14px;z-index:5;
  }
  .hero-carousel .carousel-indicators [data-bs-target]{
    width:9px;height:9px;border-radius:50%;
    background:var(--teal);opacity:.45;
    margin:0 5px;border:none;
  }
  .hero-carousel .carousel-indicators .active{opacity:1;}
  .hero-carousel .carousel-control-prev,
  .hero-carousel .carousel-control-next{
    width:56px;opacity:0;
    transition:opacity .25s ease;
    z-index:5;
  }
  .hero-carousel:hover .carousel-control-prev,
  .hero-carousel:hover .carousel-control-next{opacity:.85;}
  .hero-carousel .carousel-control-prev-icon,
  .hero-carousel .carousel-control-next-icon{
    background-color:rgba(255,255,255,.14);
    border-radius:50%;
    padding:20px;
    background-size:42%;
  }
  @media (max-width:991px){
    .hero-slide-inner{padding:130px 0 70px;min-height:0;}
  }

  /* ===== TRUST STRIP ===== */
  .trust-strip{padding:34px 0;border-bottom:1px solid var(--border);}
  .trust-item{
    display:flex;align-items:center;gap:12px;
    font-weight:600;color:var(--navy);font-size:.92rem;
  }
  .trust-item i{color:var(--teal-dark);font-size:1.4rem;}

  /* ===== ABOUT ===== */
  .about-img-wrap{position:relative;}
  .about-img-wrap img{border-radius:16px;}
  .about-img-wrap .float-card{
    position:absolute;
    bottom:-30px;left:-30px;
    background:var(--navy);
    color:#fff;
    padding:26px 28px;
    border-radius:14px;
    max-width:230px;
    box-shadow:0 20px 45px rgba(7,74,39,.28);
  }
  .about-img-wrap .float-card h3{color:var(--teal);font-size:2.1rem;font-weight:800;margin-bottom:2px;}
  .about-img-wrap .float-card p{color:rgba(255,255,255,.75);font-size:.82rem;margin:0;}
  .feature-row{display:flex;gap:16px;margin-bottom:22px;}
  .feature-row .icon-box{
    width:52px;height:52px;flex:none;
    background:rgba(201,162,39,.12);
    color:var(--teal-dark);
    border-radius:10px;
    display:flex;align-items:center;justify-content:center;
    font-size:1.3rem;
  }
  .feature-row h6{font-weight:700;color:var(--navy);margin-bottom:4px;}
  .feature-row p{font-size:.9rem;color:var(--gray-500);margin:0;}

  .leader-mini{
    display:flex;align-items:center;gap:16px;
    background:var(--light);
    border-radius:14px;
    padding:18px 20px;
    margin-top:8px;
  }
  .leader-mini img{
    width:64px;height:64px;border-radius:50%;
    object-fit:cover;flex:none;
    border:3px solid #fff;
    box-shadow:0 4px 14px rgba(7,74,39,.15);
  }
  .leader-mini h6{margin:0;font-weight:700;color:var(--navy);font-size:.95rem;}
  .leader-mini .role{color:var(--teal-dark);font-size:.78rem;font-weight:600;margin-bottom:3px;}
  .leader-mini p{margin:0;font-size:.85rem;color:var(--gray-500);font-style:italic;}

  /* ===== SERVICES / OFFERS ===== */
  .service-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:14px;
    padding:36px 30px;
    height:100%;
    transition:.3s ease;
  }
  .service-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 40px rgba(7,74,39,.1);
    border-color:transparent;
  }
  .service-card .num{
    font-family:'Poppins',sans-serif;
    font-weight:800;
    font-size:.8rem;
    color:var(--teal-dark);
    background:rgba(201,162,39,.12);
    display:inline-block;
    padding:4px 11px;
    border-radius:20px;
    margin-bottom:18px;
  }
  .service-card .icon-box{
    width:58px;height:58px;
    background:var(--navy);
    color:#fff;
    border-radius:12px;
    display:flex;align-items:center;justify-content:center;
    font-size:1.5rem;
    margin-bottom:20px;
  }
  .service-card:hover .icon-box{background:var(--teal-dark);}
  .service-card h5{font-weight:700;margin-bottom:10px;}
  .service-card .rate{
    display:inline-block;
    font-family:'Poppins',sans-serif;
    font-weight:800;
    font-size:1.6rem;
    color:var(--navy);
    margin-bottom:6px;
  }
  .service-card .rate span{font-size:.85rem;font-weight:600;color:var(--gray-500);}
  .service-card p{font-size:.92rem;color:var(--gray-500);margin-bottom:16px;}
  .service-card a{font-weight:600;font-size:.86rem;color:var(--navy);}
  .service-card a i{transition:.25s;}
  .service-card:hover a i{transform:translateX(4px);}

  /* ===== PROCESS ===== */
  .process-wrap{background:var(--light);}
  .process-step{text-align:center;position:relative;padding:0 14px;}
  .process-step .step-num{
    width:64px;height:64px;
    margin:0 auto 20px;
    background:#fff;
    border:2px solid var(--teal);
    color:var(--navy);
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    font-family:'Poppins',sans-serif;
    font-weight:800;
    font-size:1.3rem;
    position:relative;
    z-index:2;
  }
  .process-step h6{font-weight:700;margin-bottom:8px;}
  .process-step p{font-size:.87rem;color:var(--gray-500);}
  .process-line{
    position:absolute;
    top:32px;left:calc(50% + 40px);
    width:calc(100% - 80px);
    height:2px;
    background:repeating-linear-gradient(90deg,var(--teal) 0 8px,transparent 8px 14px);
    z-index:1;
  }
  @media (max-width:991px){.process-line{display:none;}}

  /* ===== STATS ===== */
  .stats-section{
    background:linear-gradient(120deg,var(--navy),var(--navy-2));
    color:#fff;
  }
  .stat-box{text-align:center;padding:10px;}
  .stat-box i{font-size:1.8rem;color:var(--teal);margin-bottom:12px;display:inline-block;}
  .stat-box h2{
    color:#fff;font-weight:800;font-size:2.6rem;margin-bottom:4px;
    font-family:'Poppins',sans-serif;
  }
  .stat-box span{color:rgba(255,255,255,.65);font-size:.85rem;letter-spacing:.03em;}

  /* ===== WHY US / LOANS ===== */
  .loan-visual{position:relative;border-radius:16px;overflow:hidden;}
  .loan-visual img{border-radius:16px;}
  .loan-badge{
    position:absolute;bottom:-24px;right:-20px;
    background:var(--teal);
    color:#fff;
    padding:22px 26px;
    border-radius:14px;
    box-shadow:0 20px 45px rgba(201,162,39,.35);
    max-width:220px;
  }
  .loan-badge h3{color:#fff;font-size:1.9rem;font-weight:800;margin-bottom:2px;}
  .loan-badge p{color:rgba(255,255,255,.9);font-size:.8rem;margin:0;}

  /* ===== TEAM ===== */
  .team-card{
    border-radius:14px;
    overflow:hidden;
    background:#fff;
    border:1px solid var(--border);
    transition:.3s;
  }
  .team-card:hover{box-shadow:0 20px 40px rgba(7,74,39,.1);transform:translateY(-6px);}
  .team-card .photo{height:280px;overflow:hidden;}
  .team-card .photo img{width:100%;height:100%;object-fit:cover;object-position:center 20%;}
  .team-card .photo img[src*="team-2"]{object-position:center 10%;}
  .team-card .photo img[src*="team-3"]{object-position:center 8%;}
  .team-card .info{padding:22px;text-align:center;}
  .team-card h6{font-weight:700;margin-bottom:2px;}
  .team-card .role{color:var(--teal-dark);font-size:.83rem;font-weight:600;margin-bottom:12px;}
  .team-card .socials a{
    width:32px;height:32px;
    border:1px solid var(--border);
    border-radius:50%;
    display:inline-flex;align-items:center;justify-content:center;
    color:var(--navy);
    margin:0 3px;
    font-size:.85rem;
    transition:.2s;
  }
  .team-card .socials a:hover{background:var(--navy);color:#fff;border-color:var(--navy);}

  /* ===== TESTIMONIALS ===== */
  .testimonial-section{background:var(--light);}
  .testimonial-card{
    background:#fff;
    border-radius:16px;
    padding:36px 32px;
    height:100%;
    border:1px solid var(--border);
  }
  .testimonial-card i.quote-icon{font-size:1.8rem;color:rgba(201,162,39,.4);}
  .testimonial-card p{font-size:.96rem;color:var(--gray-700);margin:16px 0 22px;}
  .testimonial-card .person{display:flex;align-items:center;gap:12px;}
  .testimonial-card .person img{width:48px;height:48px;border-radius:50%;object-fit:cover;}
  .testimonial-card .person h6{margin:0;font-weight:700;font-size:.92rem;}
  .testimonial-card .person span{font-size:.78rem;color:var(--gray-500);}
  .testimonial-card .stars{color:var(--amber);font-size:.8rem;margin-bottom:4px;}

  .testimonial-carousel{position:relative;padding:0 56px;}
  .testimonial-carousel .carousel-item{padding:6px 2px 12px;}
  .testimonial-carousel .carousel-control-prev,
  .testimonial-carousel .carousel-control-next{
    width:44px;height:44px;top:45%;
    background:#fff;border:1px solid var(--border);
    border-radius:50%;opacity:1;
  }
  .testimonial-carousel .carousel-control-prev{left:-56px;}
  .testimonial-carousel .carousel-control-next{right:-56px;}
  .testimonial-carousel .carousel-control-prev-icon,
  .testimonial-carousel .carousel-control-next-icon{
    filter:invert(15%) sepia(40%) saturate(1200%) hue-rotate(100deg);
    background-size:60%;
  }
  .testimonial-carousel .carousel-control-prev:hover,
  .testimonial-carousel .carousel-control-next:hover{background:var(--navy);}
  .testimonial-carousel .carousel-control-prev:hover .carousel-control-prev-icon,
  .testimonial-carousel .carousel-control-next:hover .carousel-control-next-icon{filter:invert(1);}
  .testimonial-indicators{position:static;margin-top:34px;}
  .testimonial-indicators [data-bs-target]{
    width:9px;height:9px;border-radius:50%;
    background:var(--navy);opacity:.25;
    margin:0 5px;border:none;
  }
  .testimonial-indicators .active{opacity:1;background:var(--teal);}
  @media (max-width:767px){
    .testimonial-carousel{padding:0;}
    .testimonial-carousel .carousel-control-prev,
    .testimonial-carousel .carousel-control-next{display:none;}
  }

  /* ===== CTA BANNER ===== */
  .cta-banner{
    background:linear-gradient(120deg,var(--teal-dark),var(--teal));
    border-radius:20px;
    padding:56px;
    color:#fff;
  }
  .cta-banner h3{color:#fff;font-weight:700;margin-bottom:8px;}
  .cta-banner p{color:rgba(255,255,255,.9);margin:0;}

  /* ===== CONTACT ===== */
  .contact-info-card{
    display:flex;gap:16px;
    padding:20px 0;
    border-bottom:1px solid var(--border);
  }
  .contact-info-card:last-child{border-bottom:none;}
  .contact-info-card .icon-box{
    width:48px;height:48px;flex:none;
    background:var(--navy);
    color:#fff;
    border-radius:10px;
    display:flex;align-items:center;justify-content:center;
  }
  .contact-info-card h6{font-weight:700;margin-bottom:2px;font-size:.92rem;}
  .contact-info-card p{margin:0;font-size:.88rem;color:var(--gray-500);}
  .contact-form-wrap{
    background:#fff;
    border:1px solid var(--border);
    border-radius:16px;
    padding:40px;
    box-shadow:0 20px 50px rgba(7,74,39,.06);
  }
  .form-control,.form-select{
    border:1px solid var(--border);
    padding:13px 16px;
    border-radius:8px;
    font-size:.92rem;
  }
  .form-control:focus,.form-select:focus{
    border-color:var(--teal);
    box-shadow:0 0 0 .2rem rgba(201,162,39,.15);
  }
  .form-label{font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px;}
  .form-text-note{font-size:.8rem;color:var(--gray-500);}

  /* ===== FOOTER ===== */
  footer{background:var(--navy);color:rgba(255,255,255,.68);}
  footer h6{color:#fff;font-weight:700;margin-bottom:20px;font-size:.95rem;}
  footer a{color:rgba(255,255,255,.62);font-size:.9rem;line-height:2.2;transition:.2s;}
  footer a:hover{color:var(--teal);}
  .foot-brand-row{display:flex;align-items:center;gap:12px;margin-bottom:16px;}
  .foot-logo{
    width:44px;height:44px;background:#fff;border-radius:50%;
    display:flex;align-items:center;justify-content:center;overflow:hidden;flex:none;
  }
  .foot-logo img{width:100%;height:100%;object-fit:contain;padding:2px;}
  footer .foot-brand{color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:1.2rem;line-height:1.2;}
  footer .foot-brand small{display:block;color:var(--teal);font-size:.65rem;letter-spacing:.14em;font-weight:600;}
  footer p{font-size:.88rem;}
  .foot-socials a{
    width:36px;height:36px;
    border:1px solid rgba(255,255,255,.18);
    border-radius:50%;
    display:inline-flex;align-items:center;justify-content:center;
    margin-right:8px;
  }
  .foot-socials a:hover{background:var(--teal);border-color:var(--teal);color:#fff;}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 4px;font-size:.83rem;}
  .foot-credit{text-align:center;font-size:.76rem;color:rgba(255,255,255,.4);padding-bottom:18px;}
  .newsletter-form input{
    border:none;border-radius:8px 0 0 8px;
    padding:12px 16px;font-size:.88rem;flex:1;
  }
  .newsletter-form button{
    border-radius:0 8px 8px 0;
    background:var(--teal);
    border:none;color:#fff;padding:0 18px;
    font-weight:600;
  }

  .back-to-top{
    position:fixed;bottom:26px;right:26px;
    width:46px;height:46px;
    background:var(--navy);
    color:#fff;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 10px 25px rgba(7,74,39,.3);
    opacity:0;visibility:hidden;
    transition:.3s;
    z-index:999;
  }
  .back-to-top.show{opacity:1;visibility:visible;}

  /* ===== NAV CTA DROPDOWN (Apply Now) ===== */
  .apply-dropdown .btn-teal{display:inline-flex;align-items:center;gap:6px;}
  .apply-dropdown .dropdown-menu{
    border:1px solid var(--border);
    border-radius:10px;
    box-shadow:0 20px 45px rgba(7,74,39,.14);
    padding:8px;
    margin-top:10px;
  }
  .apply-dropdown .dropdown-item{
    border-radius:7px;
    padding:11px 14px;
    font-weight:600;
    font-size:.9rem;
    color:var(--navy);
    display:flex;
    align-items:center;
    gap:10px;
  }
  .apply-dropdown .dropdown-item i{color:var(--teal-dark);font-size:1.1rem;}
  .apply-dropdown .dropdown-item:hover{background:var(--light);color:var(--navy);}

  /* ===== WHATSAPP FLOATING BUTTON ===== */
  .whatsapp-float{
    position:fixed;
    bottom:26px;left:26px;
    width:58px;height:58px;
    background:#25D366;
    color:#fff;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    font-size:1.7rem;
    box-shadow:0 10px 25px rgba(0,0,0,.25);
    z-index:999;
    animation:wa-pulse 2.4s infinite;
    transition:.25s ease;
  }
  .whatsapp-float:hover{background:#1ebe57;color:#fff;transform:translateY(-3px);}
  @keyframes wa-pulse{
    0%{box-shadow:0 0 0 0 rgba(37,211,102,.5);}
    70%{box-shadow:0 0 0 14px rgba(37,211,102,0);}
    100%{box-shadow:0 0 0 0 rgba(37,211,102,0);}
  }
  @media (max-width:576px){
    .whatsapp-float{width:50px;height:50px;font-size:1.45rem;bottom:18px;left:18px;}
    .back-to-top{width:40px;height:40px;bottom:18px;right:18px;}
  }

  /* ===== INNER PAGE HERO ===== */
  .page-hero{
    background:linear-gradient(120deg,#042816,#0a6e38);
    color:#fff;
    padding:78px 0 54px;
    position:relative;
    overflow:hidden;
  }
  .page-hero::after{
    content:"";
    position:absolute;
    right:-100px;top:-100px;
    width:340px;height:340px;
    background:radial-gradient(circle,rgba(201,162,39,.3),transparent 70%);
    border-radius:50%;
    pointer-events:none;
  }
  .page-hero .eyebrow{background:rgba(255,255,255,.12);color:#fff;}
  .page-hero h1{color:#fff;font-weight:800;font-size:2.3rem;margin-bottom:10px;position:relative;z-index:2;}
  .page-hero p{color:rgba(255,255,255,.82);max-width:600px;margin-bottom:0;position:relative;z-index:2;}
  .breadcrumb-nav{position:relative;z-index:2;font-size:.85rem;margin-top:14px;}
  .breadcrumb-nav a{color:rgba(255,255,255,.7);font-weight:600;}
  .breadcrumb-nav a:hover{color:#fff;}
  .breadcrumb-nav i{margin:0 8px;font-size:.65rem;color:rgba(255,255,255,.5);}
  .breadcrumb-nav span{color:var(--teal);font-weight:600;}

  /* ===== APPLICATION FORMS (loan / investment) ===== */
  .app-form-wrap{
    background:#fff;
    border:1px solid var(--border);
    border-radius:16px;
    padding:44px;
    box-shadow:0 20px 50px rgba(7,74,39,.06);
  }
  @media (max-width:576px){.app-form-wrap{padding:26px 20px;}}
  .form-section-title{
    display:flex;align-items:center;gap:12px;
    margin:34px 0 20px;
    padding-bottom:12px;
    border-bottom:2px solid var(--light);
  }
  .form-section-title:first-child{margin-top:0;}
  .form-section-title .sec-icon{
    width:38px;height:38px;flex:none;
    background:var(--navy);
    color:#fff;
    border-radius:9px;
    display:flex;align-items:center;justify-content:center;
    font-size:1rem;
  }
  .form-section-title h5{margin:0;font-weight:700;font-size:1.08rem;}
  .form-section-title span{display:block;font-size:.78rem;color:var(--gray-500);font-weight:500;}
  .guarantor-block{
    border:1px dashed var(--border);
    border-radius:12px;
    padding:22px 20px 6px;
    margin-bottom:18px;
    background:var(--light);
  }
  .guarantor-block h6{
    font-weight:700;color:var(--navy);
    font-size:.88rem;
    text-transform:uppercase;
    letter-spacing:.05em;
    margin-bottom:16px;
  }
  .declaration-box{
    background:var(--light);
    border-radius:10px;
    padding:18px 20px;
    font-size:.88rem;
    color:var(--gray-700);
    margin-bottom:6px;
  }
  .form-check-label{font-size:.88rem;color:var(--gray-700);}
  .honey-field{position:absolute;left:-9999px;opacity:0;height:0;width:0;pointer-events:none;}
  .form-alert{
    display:none;
    border-radius:10px;
    padding:16px 18px;
    font-size:.9rem;
    font-weight:600;
    margin-bottom:20px;
    align-items:center;
    gap:10px;
  }
  .form-alert.show{display:flex;}
  .form-alert i{font-size:1.3rem;}
  .form-alert-success{background:rgba(10,110,56,.1);color:var(--navy-2);border:1px solid rgba(10,110,56,.25);}
  .form-alert-error{background:rgba(220,53,69,.08);color:#b02a37;border:1px solid rgba(220,53,69,.25);}
  .form-submit-note{font-size:.78rem;color:var(--gray-500);margin-top:10px;}
  .btn-teal[disabled]{opacity:.7;cursor:not-allowed;}

  /* ===== OFFER DETAIL CARD (offers.html) ===== */
  .offer-detail-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:16px;
    padding:38px 34px;
    height:100%;
  }
  .offer-detail-card .icon-box{
    width:60px;height:60px;
    background:var(--navy);
    color:#fff;
    border-radius:12px;
    display:flex;align-items:center;justify-content:center;
    font-size:1.6rem;
    margin-bottom:20px;
  }
  .offer-detail-card ul{padding-left:0;list-style:none;margin:18px 0 24px;}
  .offer-detail-card ul li{
    display:flex;gap:10px;align-items:flex-start;
    font-size:.9rem;color:var(--gray-700);
    margin-bottom:10px;
  }
  .offer-detail-card ul li i{color:var(--navy-2);margin-top:3px;}
  .offer-detail-card .offer-actions{display:flex;gap:10px;flex-wrap:wrap;}
  .offer-detail-card .offer-actions .btn{padding:10px 18px;font-size:.86rem;}

  /* ===== WHY US PAGE EXTRAS ===== */
  .why-stat-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:14px;
    padding:26px 24px;
    text-align:center;
    height:100%;
  }
  .why-stat-card i{font-size:1.7rem;color:var(--teal-dark);margin-bottom:10px;display:inline-block;}
  .why-stat-card h3{font-weight:800;font-size:1.6rem;margin-bottom:4px;}
  .why-stat-card span{font-size:.83rem;color:var(--gray-500);}