/* =========================================================
   TIPFIN — App-style finance website
   Standalone CSS, mobile first, GitHub Pages friendly
   ========================================================= */

:root{
  --brand:#d8362a;
  --brand-2:#b62a20;
  --brand-soft:#fde8e6;
  --ink:#0f1620;
  --ink-soft:#3a4554;
  --muted:#6a7686;
  --line:#e7eaee;
  --bg:#f6f8fb;
  --card:#ffffff;
  --ok:#16a34a;
  --warn:#f59e0b;
  --info:#0ea5e9;
  --grad:linear-gradient(135deg,#ff5b4f 0%,#d8362a 50%,#7a1b14 100%);
  --grad-soft:linear-gradient(135deg,#fff1ef,#ffe2dd);
  --shadow-sm:0 1px 2px rgba(15,22,32,.06), 0 1px 1px rgba(15,22,32,.04);
  --shadow:0 10px 30px -12px rgba(15,22,32,.18), 0 2px 6px rgba(15,22,32,.06);
  --shadow-lg:0 30px 60px -20px rgba(15,22,32,.25);
  --radius:16px;
  --radius-sm:10px;
  --radius-lg:24px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--ink);
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;scroll-behavior:smooth}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:none;background:none;color:inherit}
input,select,textarea{font:inherit;color:inherit}
h1,h2,h3,h4{margin:0 0 .4em;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.8vw,2.2rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em;color:var(--ink-soft);line-height:1.6}
.container{max-width:1180px;margin:0 auto;padding:0 20px}

/* ============== Top App Header ============== */
.app-header{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);
}
.app-header .row{display:flex;align-items:center;justify-content:space-between;height:64px;gap:10px;flex-wrap:nowrap}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:.02em}
.brand img{width:36px;height:36px;border-radius:9px;box-shadow:var(--shadow-sm)}
.brand .name{font-size:1.05rem}
.brand .tag{font-size:.7rem;color:var(--muted);font-weight:600;letter-spacing:.18em;text-transform:uppercase}

.nav-desktop{display:none;gap:4px;align-items:center}
.nav-desktop a{padding:7px 12px;border-radius:999px;color:var(--ink-soft);font-weight:600;font-size:.88rem;transition:.2s;white-space:nowrap}
.nav-desktop a:hover{background:var(--brand-soft);color:var(--brand)}
.nav-desktop a.active{background:var(--brand);color:#fff}
.header-cta{display:none;gap:10px;align-items:center}
.header-cta .ou-pill{padding:3px 8px 3px 5px;font-size:.7rem}
.header-cta .ou-pill .ou-text strong{margin-right:2px}
.header-mobile-online{display:flex;justify-content:center;padding:6px 12px;border-top:1px solid var(--line)}

/* Hamburger button (mobile only) */
.hamburger{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;
  width:42px;height:42px;border-radius:12px;background:var(--brand-soft);border:1px solid #f9c5c0;
  padding:10px;cursor:pointer;transition:.2s;flex:none}
.hamburger:hover{background:#fcd5d1}
.hamburger span{display:block;width:100%;height:2px;background:var(--brand);border-radius:2px;transition:.25s ease}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Slide-down mobile menu */
.mobile-menu{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);
  box-shadow:0 20px 40px -12px rgba(15,22,32,.18);padding:14px 16px 18px;
  max-height:calc(100vh - 64px);overflow-y:auto;animation:mmDown .25s ease;z-index:55}
.mobile-menu[hidden]{display:none}
@keyframes mmDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}
.mobile-menu a{display:block;padding:13px 14px;border-radius:12px;color:var(--ink);font-weight:600;font-size:.95rem;
  border:1px solid transparent;transition:.18s}
.mobile-menu a:hover,.mobile-menu a.active{background:var(--brand-soft);color:var(--brand);border-color:#f9c5c0}
.mobile-menu .mm-cta{display:flex;gap:8px;margin:14px 0 10px;padding-top:14px;border-top:1px solid var(--line)}
.mobile-menu .mm-cta .btn{flex:1;padding:11px 14px;font-size:.85rem}
.mobile-menu .mm-contact{padding:14px;background:#f6f8fb;border-radius:12px;font-size:.82rem;color:var(--ink-soft);margin-top:6px;line-height:1.55}
.mobile-menu .mm-contact a{display:inline;padding:0;color:var(--brand);font-weight:700}
body.mm-open{overflow:hidden}

@media(min-width:900px){
  .nav-desktop{display:flex}
  .header-cta{display:flex}
  .header-mobile-online{display:none}
  .hamburger{display:none}
  .mobile-menu{display:none !important}
}

/* ============== Online users widget ============== */
.ou-pill{display:inline-flex;align-items:center;gap:6px;background:#fff;
  border:1px solid var(--line);border-radius:999px;padding:5px 12px 5px 8px;
  font-size:.78rem;color:var(--ink-soft);box-shadow:var(--shadow-sm)}
.ou-dot{width:9px;height:9px;border-radius:50%;background:#16a34a;
  box-shadow:0 0 0 4px rgba(22,163,74,.18); animation:pulseGreen 1.6s infinite}
@keyframes pulseGreen{0%,100%{box-shadow:0 0 0 4px rgba(22,163,74,.18)}50%{box-shadow:0 0 0 7px rgba(22,163,74,.05)}}
.ou-stack{display:inline-flex}
.ou-av{width:26px;height:26px;border-radius:50%;background:#fff;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;font-size:15px;line-height:1;border:2px solid #fff;box-shadow:0 0 0 1px var(--line);margin-left:-8px;animation:popIn .4s ease}
.ou-av.male{background:linear-gradient(135deg,#dbeafe,#93c5fd)}
.ou-av.female{background:linear-gradient(135deg,#fce7f3,#f9a8d4)}
.ou-av:first-child{margin-left:0}
@keyframes popIn{from{transform:scale(.6);opacity:0}to{transform:scale(1);opacity:1}}
.ou-text{margin-left:4px}

/* ============== Buttons ============== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 20px;border-radius:999px;font-weight:700;letter-spacing:.01em;
  transition:transform .15s ease, box-shadow .2s ease, background .2s ease;
  white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 10px 24px -10px rgba(216,54,42,.65)}
.btn-primary:hover{box-shadow:0 14px 28px -10px rgba(216,54,42,.8)}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-dark{background:var(--ink);color:#fff}
.btn-block{width:100%}

/* ============== Hero ============== */
.hero{position:relative;overflow:hidden;padding:32px 0 24px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:16px;align-items:center}
@media(min-width:900px){.hero{padding:48px 0 32px}.hero-grid{grid-template-columns:1.05fr .95fr;gap:60px}}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--brand);
  padding:6px 12px;border-radius:999px;font-weight:700;font-size:.78rem;letter-spacing:.08em;
  text-transform:uppercase;border:1px solid var(--brand-soft);box-shadow:var(--shadow-sm)}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 4px var(--brand-soft);
  animation:pulse 1.6s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(216,54,42,.45)}70%{box-shadow:0 0 0 10px rgba(216,54,42,0)}100%{box-shadow:0 0 0 0 rgba(216,54,42,0)}}
.hero h1 span{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero h1{font-size:clamp(1.4rem, 5vw, 2.8rem);line-height:1.15}
.hero .lead{font-size:.85rem;color:var(--ink-soft);max-width:560px;line-height:1.45}
@media(min-width:900px){.hero .lead{font-size:1.05rem}}
.hero .eyebrow{font-size:.62rem;padding:4px 8px}
@media(min-width:900px){.hero .eyebrow{font-size:.72rem;padding:6px 12px}}
.hero-cta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.hero-cta .btn{padding:9px 14px;font-size:.78rem}
@media(min-width:900px){.hero-cta{gap:12px;margin-top:20px}.hero-cta .btn{padding:13px 22px;font-size:.95rem}}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-top:14px;max-width:540px}
.hero-stats .stat{background:#fff;border:1px solid var(--line);padding:8px 6px;border-radius:10px;box-shadow:var(--shadow-sm);text-align:center}
.hero-stats .num{font-weight:800;font-size:.85rem;color:var(--ink)}
.hero-stats .lbl{font-size:.6rem;color:var(--muted);margin-top:2px}
@media(min-width:900px){.hero-stats{gap:14px;margin-top:28px}.hero-stats .stat{padding:14px}.hero-stats .num{font-size:1.25rem}.hero-stats .lbl{font-size:.75rem}}

.hero-art{position:relative;display:flex;justify-content:center;align-items:center;min-height:auto}
@media(min-width:900px){.hero-art{min-height:360px}}
.phone{width:140px;height:280px;background:#0f1620;border-radius:24px;padding:8px;
  box-shadow:0 40px 80px -30px rgba(15,22,32,.5), inset 0 0 0 2px #1a2330;
  position:relative;animation:floaty 6s ease-in-out infinite}
.phone::after{content:"";position:absolute;top:14px;left:50%;transform:translateX(-50%);
  width:110px;height:22px;background:#0a0f15;border-radius:0 0 14px 14px;z-index:2}
.phone-screen{width:100%;height:100%;border-radius:18px;overflow:hidden;background:linear-gradient(180deg,#fff,#f6f8fb);font-size:.55rem;
  position:relative;display:flex;flex-direction:column;padding:36px 18px 18px}
.phone-screen .ph-greet{font-size:.7rem;color:var(--muted);font-weight:600}
.phone-screen .ph-name{font-weight:800;font-size:1.1rem;margin-bottom:14px}
.phone-screen .ph-bal{background:var(--grad);color:#fff;padding:16px;border-radius:18px;
  box-shadow:0 16px 30px -12px rgba(216,54,42,.5);position:relative;overflow:hidden}
.phone-screen .ph-bal::after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% -20%, rgba(255,255,255,.35), transparent 60%)}
.phone-screen .ph-bal small{opacity:.8;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase}
.phone-screen .ph-bal .amt{font-size:.95rem;font-weight:800;margin-top:2px}
@media(min-width:900px){.phone{width:280px;height:560px;border-radius:42px;padding:14px}.phone-screen{border-radius:30px;font-size:initial}.phone-screen .ph-bal .amt{font-size:1.7rem;margin-top:4px}}
.phone-screen .ph-bal .row{display:flex;justify-content:space-between;margin-top:10px;font-size:.78rem;opacity:.9}
.ph-quick{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:16px 0}
.ph-quick .q{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 6px;text-align:center;
  font-size:.65rem;color:var(--ink-soft);font-weight:600}
.ph-quick .q .ic{width:26px;height:26px;border-radius:8px;background:var(--brand-soft);color:var(--brand);
  display:grid;place-items:center;margin:0 auto 4px;font-weight:800}
.ph-list{display:flex;flex-direction:column;gap:8px}
.ph-list .it{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;display:flex;
  justify-content:space-between;align-items:center;font-size:.78rem}
.ph-list .it .l{display:flex;gap:10px;align-items:center}
.ph-list .it .pic{width:32px;height:32px;border-radius:10px;background:var(--brand-soft);color:var(--brand);
  display:grid;place-items:center;font-weight:800}

.blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:.5;z-index:-1;animation:blobMove 16s ease-in-out infinite}
.blob.b1{width:280px;height:280px;background:#ff8a80;top:-40px;right:-40px}
.blob.b2{width:240px;height:240px;background:#ffd1cd;bottom:-60px;left:-30px;animation-delay:-8s}
@keyframes blobMove{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(20px,-20px) scale(1.06)}}

@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}

/* Floating decorative coins behind hero */
.coin{position:absolute;width:48px;height:48px;border-radius:50%;
  background:radial-gradient(circle at 30% 30%,#ffd166,#f4a017);
  box-shadow:0 12px 24px -10px rgba(244,160,23,.6);
  display:grid;place-items:center;color:#7a4500;font-weight:800;animation:floaty 5s ease-in-out infinite}
.coin.c2{width:34px;height:34px;animation-delay:-2s;background:radial-gradient(circle at 30% 30%,#fff,#cdd5e0);color:#3a4554}
.coin.c3{width:60px;height:60px;animation-delay:-4s}

/* ============== Sections ============== */
section{padding:50px 0}
.section-head{text-align:center;max-width:720px;margin:0 auto 28px}
.section-head .eyebrow{margin-bottom:10px}
.grid{display:grid;gap:18px}
.grid.cols-3{grid-template-columns:1fr}
@media(min-width:700px){.grid.cols-3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.grid.cols-3{grid-template-columns:repeat(3,1fr)}}
.grid.cols-4{grid-template-columns:1fr}
@media(min-width:700px){.grid.cols-4{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.grid.cols-4{grid-template-columns:repeat(4,1fr)}}
.grid.cols-2{grid-template-columns:1fr}
@media(min-width:800px){.grid.cols-2{grid-template-columns:repeat(2,1fr)}}

.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px;box-shadow:var(--shadow-sm);transition:.25s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#dfe5ec}
.card .ic{width:48px;height:48px;border-radius:14px;background:var(--brand-soft);color:var(--brand);
  display:grid;place-items:center;font-weight:800;font-size:1.2rem;margin-bottom:14px}
.card h3{margin:0 0 6px}
.card p{margin:0;color:var(--ink-soft);font-size:.95rem}

.feature-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/3;background:#eef2f6}
.feature-img img{width:100%;height:100%;object-fit:cover}

.steps{counter-reset:s}
.step{position:relative;padding-left:62px}
.step::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;
  width:46px;height:46px;border-radius:14px;background:var(--grad);color:#fff;
  display:grid;place-items:center;font-weight:800;box-shadow:0 10px 20px -8px rgba(216,54,42,.6)}

.loan{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  display:flex;flex-direction:column;transition:.25s;box-shadow:var(--shadow-sm)}
.loan:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#dfe5ec}
.loan .pic{aspect-ratio:16/10;background-size:cover;background-position:center;transition:.4s}
.loan:hover .pic{transform:scale(1.05)}
.loan .body{padding:18px}
.loan .body h3{margin-bottom:6px}
.loan .body .price{margin-top:10px;font-size:.86rem;color:var(--brand);font-weight:700}
.loan .body .meta{display:flex;gap:6px;flex-wrap:wrap;margin-top:8px}
.tag{font-size:.7rem;background:var(--brand-soft);color:var(--brand);padding:4px 9px;border-radius:999px;font-weight:700}

.banner{position:relative;background:var(--grad);color:#fff;border-radius:var(--radius-lg);padding:34px;
  display:flex;flex-direction:column;gap:18px;align-items:flex-start;overflow:hidden}
.banner h2{color:#fff}
.banner p{color:#ffe9e6}
.banner .deco{position:absolute;right:-40px;bottom:-60px;width:260px;height:260px;border-radius:50%;
  border:30px solid rgba(255,255,255,.12)}
.banner .deco2{position:absolute;right:60px;top:-30px;width:120px;height:120px;border-radius:50%;
  border:18px solid rgba(255,255,255,.08)}
.banner .btn-ghost{background:#fff;color:var(--brand)}

.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0;overflow:hidden;
  margin-bottom:10px;transition:.2s}
.faq-item summary{list-style:none;padding:18px;display:flex;justify-content:space-between;align-items:center;
  cursor:pointer;font-weight:700}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--brand);font-weight:300;transition:.2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .ans{padding:0 18px 18px;color:var(--ink-soft)}

.footer{background:#0f1620;color:#cbd3df;padding:48px 0 100px;margin-top:60px}
.footer .grid{grid-template-columns:1fr;gap:28px}
@media(min-width:900px){.footer .grid{grid-template-columns:1.4fr 1fr 1fr 1fr}}
.footer h4{color:#fff;margin-bottom:10px;font-size:1rem}
.footer a{display:block;color:#9aa6b6;padding:4px 0;font-size:.92rem}
.footer a:hover{color:#fff}
.footer .legal{border-top:1px solid #1f2a39;margin-top:28px;padding-top:20px;display:flex;
  justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.82rem;color:#7a8699}

/* ============== Mobile bottom nav ============== */
.mobile-tabs{position:fixed;left:12px;right:12px;bottom:12px;background:rgba(255,255,255,.96);
  backdrop-filter:blur(12px);border:1px solid var(--line);border-radius:22px;
  box-shadow:0 20px 40px -12px rgba(15,22,32,.25);
  display:flex;justify-content:space-around;align-items:center;padding:8px;z-index:60}
.mobile-tabs a{flex:1;display:flex;flex-direction:column;align-items:center;gap:2px;
  padding:8px 4px;border-radius:14px;color:var(--muted);font-size:.66rem;font-weight:700;letter-spacing:.02em;transition:.2s}
.mobile-tabs a svg{width:22px;height:22px;stroke-width:2}
.mobile-tabs a.active{background:var(--brand);color:#fff;transform:translateY(-2px);box-shadow:0 10px 18px -8px rgba(216,54,42,.7)}
.mobile-tabs a:not(.active):hover{background:var(--brand-soft);color:var(--brand)}
@media(min-width:900px){.mobile-tabs{display:none}}
body{padding-bottom:80px}
@media(min-width:900px){body{padding-bottom:0}}

/* ============== Floating WhatsApp ============== */
.wa-float{position:fixed;right:14px;bottom:80px;width:48px;height:48px;border-radius:50%;
  background:#25D366;color:#fff;display:grid;place-items:center;z-index:65;
  box-shadow:0 14px 30px -8px rgba(37,211,102,.55);transition:.2s;animation:waBob 3s ease-in-out infinite}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:26px;height:26px}
.wa-pulse{position:absolute;inset:-4px;border-radius:50%;border:2px solid #25D366;animation:waPulse 1.8s infinite;opacity:.7}
.wa-tip{position:absolute;right:60px;background:#0f1620;color:#fff;font-size:.78rem;font-weight:600;
  padding:6px 10px;border-radius:8px;white-space:nowrap;opacity:0;transform:translateX(8px);transition:.2s;pointer-events:none}
.wa-float:hover .wa-tip{opacity:1;transform:translateX(0)}
@media(min-width:900px){.wa-float{bottom:20px}}
@keyframes waPulse{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.4);opacity:0}}
@keyframes waBob{0%,100%{transform:translateY(0)}50%{transform:translateY(-3px)}}

/* ============== Forms ============== */
.auth-shell{min-height:calc(100vh - 64px);display:flex;align-items:center;justify-content:center;padding:32px 16px}
.auth-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;width:100%;max-width:480px;
  box-shadow:var(--shadow-lg)}
.auth-card .auth-logo{display:flex;justify-content:center;margin-bottom:14px}
.auth-card .auth-logo img{width:54px;height:54px;border-radius:14px;box-shadow:var(--shadow-sm)}
.auth-card h1{font-size:1.6rem;text-align:center;margin-bottom:6px}
.auth-card .sub{text-align:center;color:var(--muted);margin-bottom:22px;font-size:.92rem}
.auth-card .switch{text-align:center;margin-top:14px;font-size:.9rem;color:var(--muted)}
.auth-card .switch a{color:var(--brand);font-weight:700}

.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label{font-size:.82rem;font-weight:700;color:var(--ink-soft)}
.field input,.field select,.field textarea{
  background:#f6f8fb;border:1.5px solid #e7eaee;border-radius:12px;padding:13px 14px;font-size:.95rem;transition:.2s;
  outline:none;width:100%}
.field input:focus,.field select:focus,.field textarea:focus{
  background:#fff;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-soft)}
.field .hint{font-size:.75rem;color:var(--muted)}
.field .err{font-size:.78rem;color:var(--brand);font-weight:600}

.field .with-prefix{display:flex;align-items:stretch}
.field .with-prefix .pre{display:grid;place-items:center;padding:0 14px;background:#fff;border:1.5px solid #e7eaee;border-right:none;
  border-radius:12px 0 0 12px;font-weight:800;color:var(--brand)}
.field .with-prefix input{border-radius:0 12px 12px 0}

.callout{padding:12px 14px;border-radius:12px;font-size:.86rem;font-weight:600;margin-bottom:12px}
.callout.ok{background:#e7f8ec;color:#0d6b29;border:1px solid #b6ebc7}
.callout.err{background:#fdecea;color:#9a1f17;border:1px solid #f4b6b1}
.callout.info{background:#e6f4fd;color:#0a4f7a;border:1px solid #b3def5}
.callout.warn{background:#fff7e6;color:#7a4d05;border:1px solid #ffd591}

/* Loan-type chip selector */
.chip-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:14px}
@media(min-width:600px){.chip-grid{grid-template-columns:repeat(5,1fr)}}
.chip{position:relative;background:#fff;border:1.5px solid var(--line);border-radius:14px;
  padding:14px 8px;text-align:center;cursor:pointer;transition:.2s;font-size:.78rem;font-weight:700}
.chip .emo{font-size:1.4rem;display:block;margin-bottom:4px}
.chip:hover{border-color:var(--brand);transform:translateY(-2px)}
.chip.active{border-color:var(--brand);background:var(--brand-soft);color:var(--brand);
  box-shadow:0 8px 20px -10px rgba(216,54,42,.5)}

/* File drop */
.drop{position:relative;border:2px dashed #c9d2dc;background:#f9fbfd;border-radius:14px;
  padding:22px;text-align:center;transition:.2s;cursor:pointer}
.drop:hover,.drop.over{border-color:var(--brand);background:#fff5f3}
.drop input{position:absolute;inset:0;opacity:0;cursor:pointer}
.drop .ic{font-size:1.8rem;display:block}
.drop .t{font-weight:700;margin-top:6px}
.drop .h{font-size:.78rem;color:var(--muted)}
.drop.has-file{border-style:solid;border-color:var(--ok);background:#f0fbf3}
.drop .file-info{margin-top:8px;font-size:.85rem;font-weight:700;color:var(--ok)}
.drop .progress-mini{height:6px;background:#eef2f6;border-radius:999px;overflow:hidden;margin-top:8px}
.drop .progress-mini > span{display:block;height:100%;background:var(--grad);width:0;transition:width .25s}

/* Terms checkboxes */
.terms label{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--ink-soft);
  padding:8px 0;cursor:pointer;line-height:1.5}
.terms input[type=checkbox]{margin-top:3px;accent-color:var(--brand);width:18px;height:18px}

/* ============== Dashboard ============== */
.dash{display:grid;gap:20px;grid-template-columns:1fr;padding:24px 0}
@media(min-width:900px){.dash{grid-template-columns:1fr 2fr}}
.dash .side{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;
  box-shadow:var(--shadow-sm);height:fit-content}
.dash .avatar{width:80px;height:80px;border-radius:50%;background:var(--grad);color:#fff;
  display:grid;place-items:center;font-size:1.8rem;font-weight:800;margin:0 auto 10px;box-shadow:var(--shadow)}
.dash .side .uname{text-align:center;font-weight:800;font-size:1.1rem}
.dash .side .uemail{text-align:center;color:var(--muted);font-size:.85rem;margin-bottom:16px;word-break:break-all}
.dash .side ul{list-style:none;margin:0;padding:0}
.dash .side ul li a{display:block;padding:10px 12px;border-radius:10px;font-size:.92rem;color:var(--ink-soft);font-weight:600;transition:.2s}
.dash .side ul li a:hover,.dash .side ul li a.active{background:var(--brand-soft);color:var(--brand)}
.dash .main{display:flex;flex-direction:column;gap:20px}
.kpis{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media(min-width:600px){.kpis{grid-template-columns:repeat(4,1fr)}}
.kpi{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px;box-shadow:var(--shadow-sm)}
.kpi .lbl{font-size:.7rem;color:var(--muted);font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.kpi .num{font-size:1.4rem;font-weight:800;margin-top:4px}
.progress{height:10px;background:#eef2f6;border-radius:999px;overflow:hidden;margin-top:6px}
.progress > span{display:block;height:100%;background:var(--grad);border-radius:999px;transition:width .8s ease}

.timeline{position:relative;padding-left:24px}
.timeline::before{content:"";position:absolute;left:8px;top:6px;bottom:6px;width:2px;background:var(--line)}
.timeline .ev{position:relative;padding:6px 0 18px}
.timeline .ev::before{content:"";position:absolute;left:-24px;top:8px;width:18px;height:18px;border-radius:50%;
  background:#fff;border:3px solid var(--line)}
.timeline .ev.done::before{border-color:var(--ok);background:var(--ok)}
.timeline .ev.now::before{border-color:var(--brand);background:#fff;box-shadow:0 0 0 5px var(--brand-soft)}
.timeline .ev .t{font-weight:700}
.timeline .ev .s{font-size:.84rem;color:var(--muted)}

.badge{display:inline-block;font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:999px}
.badge.ok{background:#e7f8ec;color:#0d6b29}
.badge.warn{background:#fff4e0;color:#92580a}
.badge.info{background:#e6f4fd;color:#0a4f7a}
.badge.muted{background:#eef2f6;color:#4a5666}

/* ============== Animations ============== */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease, transform .7s ease}
.reveal.in{opacity:1;transform:none}
.reveal.fade{transform:none}
.reveal.zoom{transform:scale(.96)}
.reveal.zoom.in{transform:scale(1)}

.spinner{width:18px;height:18px;border:2.5px solid rgba(255,255,255,.4);border-top-color:#fff;
  border-radius:50%;animation:spin 1s linear infinite;display:inline-block;vertical-align:middle}
.spinner.dark{border-color:rgba(0,0,0,.15);border-top-color:var(--brand)}
@keyframes spin{to{transform:rotate(360deg)}}

/* Skeletons */
.sk{background:linear-gradient(90deg,#eef2f6,#f7f9fc,#eef2f6);background-size:200% 100%;animation:sk 1.4s linear infinite;border-radius:8px;display:inline-block;height:14px;width:80px;vertical-align:middle}
@keyframes sk{0%{background-position:200% 0}100%{background-position:-200% 0}}

/* Marquee for partner / value strip */
.marquee{overflow:hidden;background:#fff;border-block:1px solid var(--line);padding:14px 0}
.marquee-track{display:flex;gap:48px;animation:marq 22s linear infinite;white-space:nowrap;color:var(--muted);font-weight:700;font-size:.9rem;letter-spacing:.05em;text-transform:uppercase}
.marquee-track span{display:inline-flex;align-items:center;gap:8px}
.marquee-track .dotsep{color:var(--brand)}
@keyframes marq{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* Page hero */
.page-hero{background:linear-gradient(180deg,#fff, #fbf3f2 60%, var(--bg));padding:46px 0 30px;position:relative;overflow:hidden}
.page-hero h1{margin-bottom:8px}
.page-hero p{max-width:680px}
.crumbs{font-size:.82rem;color:var(--muted);margin-bottom:8px}
.crumbs a{color:var(--brand);font-weight:700}

/* misc */
.notice{background:#fff7f6;border:1px dashed #f4b6b1;color:#7a1f17;padding:14px 16px;border-radius:14px;font-size:.92rem}
.divider{height:1px;background:var(--line);margin:18px 0}
.center{text-align:center}
.muted{color:var(--muted)}
.small{font-size:.86rem}
hr{border:none;border-top:1px solid var(--line);margin:18px 0}

/* Stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media(min-width:700px){.stat-strip{grid-template-columns:repeat(4,1fr)}}
.stat-strip .s{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-align:center}
.stat-strip .s .n{font-size:1.6rem;font-weight:800;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat-strip .s .l{font-size:.78rem;color:var(--muted);font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-top:4px}

/* ============== Reviews ============== */
.rev-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px;max-width:560px}
.rev-stats > div{background:#fff;border:1px solid var(--line);padding:14px;border-radius:14px;text-align:center;box-shadow:var(--shadow-sm)}
.rev-stats .n{font-size:1.5rem;font-weight:800;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.rev-stats .l{font-size:.72rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-top:2px}
.rev-toolbar{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-bottom:18px;align-items:center}
.rev-filters{display:flex;flex-wrap:wrap;gap:8px}
.rev-chip{background:#fff;border:1.5px solid var(--line);padding:8px 14px;border-radius:999px;font-size:.85rem;font-weight:700;color:var(--ink-soft);cursor:pointer;transition:.2s}
.rev-chip:hover{border-color:var(--brand);color:var(--brand)}
.rev-chip.active{background:var(--brand);color:#fff;border-color:var(--brand);box-shadow:0 6px 14px -6px rgba(216,54,42,.5)}
.rev-search{background:#fff;border:1.5px solid var(--line);padding:9px 14px;border-radius:999px;font-size:.88rem;min-width:220px;outline:none;transition:.2s}
.rev-search:focus{border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-soft)}
.rev-section{margin-top:30px}
.rev-section h2{margin-bottom:4px}
.rev-grid{display:grid;grid-template-columns:1fr;gap:14px;margin-top:14px}
@media(min-width:700px){.rev-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1100px){.rev-grid{grid-template-columns:repeat(3,1fr)}}
.review{position:relative;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:var(--shadow-sm);transition:.25s;animation:fadeUp .5s ease both}
.review:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#dfe5ec}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
.r-verified{position:absolute;top:14px;right:14px;font-size:.66rem;background:#e7f8ec;color:#0d6b29;padding:3px 8px;border-radius:999px;font-weight:700}
.r-new{position:absolute;top:14px;left:14px;font-size:.62rem;background:var(--brand);color:#fff;padding:3px 8px;border-radius:999px;font-weight:800;letter-spacing:.05em;animation:pulse 1.6s infinite}
.r-head{display:flex;align-items:center;gap:12px;margin-top:18px}
.r-av{width:42px;height:42px;border-radius:50%;color:#fff;display:grid;place-items:center;font-weight:800;font-size:.9rem;flex-shrink:0}
.r-id{flex:1;min-width:0}
.r-name{font-weight:800;font-size:.95rem}
.r-place{font-size:.75rem;color:var(--muted);font-weight:600}
.r-amt{font-weight:800;color:var(--brand);font-size:.9rem;text-align:right}
.r-stars{color:#f5b400;letter-spacing:2px;margin-top:8px;font-size:.95rem}
.r-quote{margin:8px 0 6px;color:var(--ink-soft);font-style:italic;font-size:.92rem;line-height:1.5}
.r-date{font-size:.72rem;color:var(--muted);font-weight:600}

/* ============== Calculator ============== */
.calc{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.calc::before{content:"";position:absolute;top:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:var(--grad-soft);z-index:0}
.calc > *{position:relative;z-index:1}
.calc-result{margin-top:18px;padding:18px;border-radius:16px;background:var(--grad);color:#fff;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;box-shadow:0 14px 30px -12px rgba(216,54,42,.55)}
.calc-result .lbl{opacity:.85;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700}
.calc-result .val{font-size:1.6rem;font-weight:800}

/* ============== Loan-type cards ============== */
.lt-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow-sm);transition:.25s;display:flex;flex-direction:column}
.lt-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#dfe5ec}
.lt-card .lt-emoji{font-size:2rem;margin-bottom:8px;display:inline-block;animation:floaty 4s ease-in-out infinite}
.lt-card h3{margin-bottom:6px}
.lt-card ul{list-style:none;padding:0;margin:10px 0;color:var(--ink-soft);font-size:.92rem}
.lt-card ul li{padding:6px 0;display:flex;gap:8px;align-items:center}
.lt-card ul li::before{content:"✓";color:var(--ok);font-weight:800;flex-shrink:0}
.lt-rate{display:inline-block;margin-top:10px;background:var(--brand-soft);color:var(--brand);padding:5px 12px;border-radius:999px;font-weight:700;font-size:.82rem}

/* ============== Compare cards (Types of online loans) ============== */
.cmp-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media(min-width:900px){.cmp-grid{grid-template-columns:repeat(3,1fr)}}
.cmp{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;text-align:center;transition:.25s;cursor:pointer;position:relative;overflow:hidden}
.cmp::after{content:"";position:absolute;inset:0;background:var(--grad);opacity:0;transition:.3s;z-index:0}
.cmp:hover{transform:translateY(-4px);color:#fff;border-color:transparent;box-shadow:var(--shadow)}
.cmp:hover::after{opacity:1}
.cmp:hover .cmp-ic, .cmp:hover h3, .cmp:hover p, .cmp:hover .cmp-link{color:#fff;position:relative;z-index:1}
.cmp > *{position:relative;z-index:1;transition:.3s}
.cmp-ic{font-size:2.2rem;margin-bottom:8px}
.cmp-link{font-weight:700;color:var(--brand);font-size:.86rem;margin-top:8px;display:inline-block}

/* ============== Eligibility list ============== */
.elig-list{display:grid;grid-template-columns:1fr;gap:14px;margin-top:20px}
@media(min-width:700px){.elig-list{grid-template-columns:repeat(3,1fr)}}
.elig-item{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;display:flex;gap:14px;align-items:center;box-shadow:var(--shadow-sm);transition:.25s}
.elig-item:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--brand)}
.elig-num{width:42px;height:42px;border-radius:14px;background:var(--grad);color:#fff;display:grid;place-items:center;font-weight:800;flex-shrink:0;animation:pop .5s ease both}
@keyframes pop{from{transform:scale(.5);opacity:0}to{transform:scale(1);opacity:1}}

/* ============== Animated illustrations ============== */
.illus{position:relative;width:100%;max-width:420px;margin:0 auto;aspect-ratio:1.1/1}
.illus svg{width:100%;height:100%}
.illus .float-1{animation:floaty 5s ease-in-out infinite}
.illus .float-2{animation:floaty 6s ease-in-out infinite;animation-delay:-1.5s}
.illus .float-3{animation:floaty 7s ease-in-out infinite;animation-delay:-3s}
.illus .spin{animation:spin 14s linear infinite;transform-origin:center}
.illus .grow{animation:grow 3.5s ease-in-out infinite}
@keyframes grow{0%,100%{transform:scaleY(1);transform-origin:bottom}50%{transform:scaleY(1.08);transform-origin:bottom}}

/* ============== Featured testimonial (home) ============== */
.testify{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.testify::before{content:"\201C";position:absolute;top:-40px;left:18px;font-size:14rem;color:var(--brand-soft);font-family:Georgia,serif;line-height:1}
.testify .body{position:relative;z-index:1}
.testify p{font-size:1.15rem;color:var(--ink);line-height:1.55;font-weight:500}
.testify .who{display:flex;gap:12px;align-items:center;margin-top:12px}
.testify .who .av{width:44px;height:44px;border-radius:50%;background:var(--grad);color:#fff;display:grid;place-items:center;font-weight:800}

/* ============== Home FAQ teaser ============== */
.faq-mini details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:10px}
.faq-mini summary{padding:16px 18px;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;list-style:none}
.faq-mini summary::-webkit-details-marker{display:none}
.faq-mini summary::after{content:"+";color:var(--brand);font-size:1.4rem;font-weight:300;transition:.2s}
.faq-mini details[open] summary::after{transform:rotate(45deg)}
.faq-mini .a{padding:0 18px 16px;color:var(--ink-soft)}

/* Sparkles bg accent */
.sparkles{position:absolute;inset:0;pointer-events:none;overflow:hidden;z-index:-1}
.sparkles span{position:absolute;width:6px;height:6px;background:var(--brand);border-radius:50%;opacity:.25;animation:floaty 6s ease-in-out infinite}


  /* ============== Mobile polish — proportional scaling ============== */
  @media(max-width:899px){
    .container{padding:0 14px}
    section{padding:28px 0}
    h1{font-size:clamp(1.4rem, 5.2vw, 2rem)}
    h2{font-size:clamp(1.15rem, 4.4vw, 1.55rem)}
    h3{font-size:1rem}
    p{font-size:.92rem;line-height:1.55;margin-bottom:.85em}
    .section-head{margin-bottom:18px}
    .section-head .eyebrow{font-size:.6rem;padding:4px 9px}
    .grid{gap:12px}
    .card{padding:14px;border-radius:12px}
    .card .ic{width:36px;height:36px;border-radius:11px;font-size:1rem;margin-bottom:10px}
    .btn{padding:10px 16px;font-size:.84rem}
    .btn-block{padding:12px 18px}
    .field{margin-bottom:12px}
    .field label{font-size:.8rem}
    .field input,.field select,.field textarea{padding:11px 12px;font-size:.9rem;border-radius:10px}
    .with-prefix .pre{font-size:.9rem}
    .feature-img{border-radius:12px}
    .step{padding-left:46px}
    .step::before{width:34px;height:34px;border-radius:10px;font-size:.95rem}
    .marquee{font-size:.78rem}
    .calc{padding:14px}
    .calc h3{font-size:1rem}
    .calc-result{padding:12px;gap:8px;border-radius:12px}
    .calc-result .val{font-size:1rem}
    .calc-result .lbl{font-size:.7rem}
    .lt-card{padding:16px}
    .lt-card .lt-emoji{font-size:1.6rem}
    .lt-card h3{font-size:1.05rem}
    .lt-card ul{font-size:.85rem;padding-left:18px}
    .lt-card .lt-rate{font-size:.78rem;padding:5px 10px}
    .loan .body{padding:14px}
    .loan .body h3{font-size:1rem}
    .banner{padding:22px;border-radius:18px}
    .banner h2{font-size:1.15rem}
    .banner p{font-size:.88rem}
    .faq-item summary{padding:14px;font-size:.92rem}
    .faq-item .ans{padding:0 14px 14px;font-size:.88rem}
    .footer{padding:32px 0 110px}
    .footer .grid{gap:18px}
    .footer h4{font-size:.95rem;margin-bottom:6px}
    .footer a{font-size:.86rem;padding:3px 0}
    .footer p{font-size:.82rem !important;line-height:1.55}
    .footer .legal{font-size:.74rem;margin-top:18px;padding-top:14px;flex-direction:column;text-align:center}
    .crumbs{font-size:.78rem}
    .page-hero{padding:24px 0 18px}
    .page-hero h1{margin:6px 0 10px}
    .kpis{gap:8px}
    .kpi{padding:12px}
    .kpi .num{font-size:1rem}
    .kpi .lbl{font-size:.7rem}
    .dash{gap:14px}
    .side{padding:16px;border-radius:14px}
    .side .avatar{width:54px;height:54px;font-size:1.3rem}
    .side .uname{font-size:.95rem}
    .side ul a{padding:9px 12px;font-size:.88rem}
    .rev-grid{gap:12px}
    .rev{padding:14px}
    .rev .meta{font-size:.72rem}
    .rev p{font-size:.88rem}
    .stat-strip{gap:8px}
    .stat-strip .val{font-size:1rem}
    .stat-strip .lbl{font-size:.66rem}
    .chip-grid{gap:6px}
    .chip-grid a{padding:8px 6px;font-size:.78rem;border-radius:10px}
    .ou-pill{font-size:.66rem;padding:3px 8px 3px 5px;gap:4px}
    .ou-av{width:18px;height:18px;font-size:11px;margin-left:-5px;border-width:1.5px}
    .ou-dot{width:7px;height:7px}
    .ou-text{margin-left:2px}
    .header-mobile-online{padding:5px 12px}
    .app-header .row{height:56px}
    .brand img{width:32px;height:32px;border-radius:8px}
    .brand .name{font-size:.95rem}
    .brand .tag{font-size:.6rem;letter-spacing:.16em}
    .hero{padding:20px 0 16px}
    .hero-grid{gap:10px;grid-template-columns:1.05fr .95fr}
    .hero h1{margin-top:8px !important}
    .hero .lead{font-size:.78rem;margin-bottom:.6em}
    .hero-cta .btn{padding:8px 12px;font-size:.72rem;border-radius:999px}
    .hero-stats{margin-top:10px;gap:5px}
    .hero-stats .stat{padding:6px 4px;border-radius:9px}
    .hero-stats .num{font-size:.78rem}
    .hero-stats .lbl{font-size:.55rem}
    .hero-art{min-height:220px}
    .phone{width:128px;height:255px;border-radius:22px;padding:5px}
    .phone::after{width:54px;height:12px;border-radius:0 0 8px 8px;top:9px}
    .phone-screen{padding:18px 7px 7px;border-radius:16px;font-size:.5rem;overflow:hidden;display:flex;flex-direction:column}
    .phone-screen .ph-greet{font-size:.5rem;line-height:1.1;margin:0}
    .phone-screen .ph-name{font-size:.7rem;margin:0 0 5px;line-height:1.1}
    .phone-screen .ph-bal{padding:6px 7px;border-radius:9px}
    .phone-screen .ph-bal small{font-size:.45rem;letter-spacing:.04em}
    .phone-screen .ph-bal .amt{font-size:.78rem;margin-top:1px;line-height:1.1}
    .phone-screen .ph-bal .row{font-size:.42rem;margin-top:3px;gap:3px;display:flex;justify-content:space-between}
    .ph-quick{margin:6px 0 5px;gap:3px;display:grid;grid-template-columns:repeat(4,1fr)}
    .ph-quick .q{padding:4px 1px;font-size:.42rem;border-radius:6px;line-height:1.1;text-align:center}
    .ph-quick .q .ic{font-size:.65rem;display:block;margin-bottom:1px}
    .ph-list{display:flex;flex-direction:column;gap:3px}
    .ph-list .it{padding:4px 5px;font-size:.48rem;gap:5px;border-radius:7px;display:flex;align-items:center;justify-content:space-between}
    .ph-list .it .l{display:flex;align-items:center;gap:5px;min-width:0;flex:1}
    .ph-list .it .l > div:last-child{min-width:0;overflow:hidden}
    .ph-list .it .l > div:last-child > div:first-child{font-size:.5rem;line-height:1.1;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
    .ph-list .it .l > div:last-child > div:last-child{font-size:.42rem !important;line-height:1.05}
    .ph-list .it .pic{width:16px;height:16px;font-size:.5rem;border-radius:5px;flex:none;display:grid;place-items:center}
    .ph-list .it > div:last-child{font-size:.5rem;white-space:nowrap}
    .ph-list .it:nth-child(3){display:none}
    .coin{width:28px;height:28px;font-size:.7rem}
    .coin.c2{width:22px;height:22px}
    .coin.c3{width:34px;height:34px}
    .illus{transform:scale(.85);transform-origin:center}
    .marquee-track{animation-duration:25s}
    .dl-hero{padding:24px 0 20px}
    .dl-card{padding:18px;border-radius:14px}
    .dl-card h2{font-size:1.1rem}
    .step-list li{padding:8px 0 8px 38px;font-size:.85rem}
    .step-list li::before{width:26px;height:26px;font-size:.78rem;top:10px}
    .download-bar{padding:14px;border-radius:14px}
    .download-bar h3{font-size:1rem}
    .why-card{padding:14px}
    .why-card .ic{font-size:1.3rem}
    .why-card h4{font-size:.95rem}
    .why-card p{font-size:.82rem}
    .phone-mock .pf{width:140px;height:260px;border-radius:22px}
    .phone-mock .scr h5{font-size:1rem}
    .phone-mock .scr p{font-size:.7rem}
    .reveal.zoom{transform:scale(.95)}
  }

  @media(max-width:420px){
    .container{padding:0 12px}
    .hero h1{font-size:1.2rem;line-height:1.2}
    .hero .lead{font-size:.72rem;-webkit-line-clamp:3;display:-webkit-box;-webkit-box-orient:vertical;overflow:hidden}
    .hero-cta{gap:6px;margin-top:10px}
    .hero-cta .btn{padding:7px 10px;font-size:.66rem}
    .hero-stats .num{font-size:.7rem}
    .hero-stats .lbl{font-size:.5rem}
    .phone{width:115px;height:230px;border-radius:20px;padding:4px}
    .phone::after{width:46px;height:10px;top:8px}
    .phone-screen{padding:16px 6px 6px;font-size:.45rem}
    .phone-screen .ph-greet{font-size:.45rem}
    .phone-screen .ph-name{font-size:.62rem;margin-bottom:4px}
    .phone-screen .ph-bal{padding:5px 6px;border-radius:8px}
    .phone-screen .ph-bal small{font-size:.4rem}
    .phone-screen .ph-bal .amt{font-size:.7rem}
    .phone-screen .ph-bal .row{font-size:.38rem;margin-top:2px}
    .ph-quick{margin:5px 0 4px;gap:2px}
    .ph-quick .q{padding:3px 0;font-size:.38rem;border-radius:5px}
    .ph-quick .q .ic{font-size:.55rem}
    .ph-list .it{padding:3px 4px}
    .ph-list .it .pic{width:14px;height:14px;font-size:.45rem}
    .ph-list .it .l > div:last-child > div:first-child{font-size:.45rem}
    .ph-list .it .l > div:last-child > div:last-child{font-size:.38rem !important}
    .ph-list .it > div:last-child{font-size:.45rem}
    .ph-list .it:nth-child(2){display:none}
    .ou-text{display:none}
    .ou-pill{padding:4px 8px 4px 6px}
  }

  /* ============== Dashboard / Profile mobile polish ============== */
  @media(max-width:899px){
    .dash{padding:14px 0}
    .dash .side{padding:18px 16px}
    .dash .side ul{display:grid;grid-template-columns:repeat(2,1fr);gap:6px}
    .dash .side ul li a{text-align:center;padding:10px 8px;font-size:.85rem;background:#f6f8fb;border:1px solid var(--line)}
    .dash .side ul li a.active{background:var(--brand-soft);border-color:var(--brand-soft)}
    .dash .main .card{padding:18px 16px}
    .dash .main h2{font-size:1.15rem}
    .dash .main h3{font-size:1rem}
    .dash .main .badge{font-size:.66rem;padding:4px 9px}
    .doc-row{flex-wrap:wrap;align-items:flex-start !important}
    .doc-row .badge{flex-shrink:0}
    .timeline{padding-left:22px}
    .timeline .ev .t{font-size:.92rem}
    .timeline .ev .s{font-size:.78rem}
    #d-form .field input, #d-form .field select,
    #p-form .field input, #p-form .field select{font-size:.92rem;padding:10px 12px}
    #p-form .field label{font-size:.78rem}
  }
  @media(max-width:520px){
    .dash .side ul{grid-template-columns:1fr 1fr}
    .dash .main .card{padding:16px 14px;border-radius:14px}
    .doc-row{padding:10px 0;gap:6px}
    .doc-row > span:first-child{font-size:.88rem}
    .kpi .num{font-size:.95rem !important}
    .kpi{padding:10px 8px}
  }