/* ============================================================
   STEMTIDE CREDIT — design system v3 (deep-blue-banker)
   ============================================================ */

:root{
  /* Ink */
  --ink:#0a1628;
  --ink-2:#1b2b44;
  --ink-3:#3a4d68;
  --muted:#5a6b81;
  --muted-2:#7a8aa0;
  --line:#dfe6f0;
  --line-2:#c4d0e2;
  --hairline:#eef2f8;
  --soft:#f1f5fb;
  --soft-2:#e7eef8;
  --white:#fff;

  /* Brand — deeper banker-blue */
  --blue:#0a3a73;
  --blue-2:#072a55;
  --blue-3:#0f4a8c;
  --blue-soft:#e6eef9;
  --steel:#3d5878;
  --steel-soft:#eef2f8;

  /* Restrained accents — single intentional use each */
  --green:#0f7a4d;
  --green-soft:#e3f1ea;
  --gold:#b07a0e;
  --gold-soft:#f6efdc;
  --plum:#5b3a9c;
  --plum-soft:#ece6f5;
  --rose:#b03a5e;

  /* Shadows — calmer */
  --shadow-sm:0 1px 2px rgba(10,22,40,.04), 0 1px 1px rgba(10,22,40,.03);
  --shadow:0 6px 18px rgba(10,22,40,.06);
  --shadow-lg:0 18px 40px rgba(10,22,40,.10);
  --ring:0 0 0 1px var(--line);

  /* Radii — collapsed scale {12, 16, 24, 999} */
  --radius:16px;
  --radius-sm:12px;
  --radius-lg:24px;
  --radius-pill:999px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.6;
  font-feature-settings:"ss01","cv11";
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
p{color:var(--muted);margin:0 0 1rem;font-size:1.02rem}
h1,h2,h3,h4{line-height:1.1;margin:0 0 1rem;color:var(--ink);letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,5vw,3.6rem);letter-spacing:-.025em;font-weight:700;line-height:1.1}
h2{font-size:clamp(1.7rem,3vw,2.4rem);letter-spacing:-.02em;font-weight:700}
h3{font-size:1.2rem;font-weight:700}
h4{font-size:1rem;font-weight:700}

.container{width:min(1200px,92vw);margin-inline:auto}
.narrow{width:min(820px,92vw);margin-inline:auto}
.skip-link{position:absolute;left:-999px;top:1rem;background:var(--ink);color:#fff;padding:.75rem 1rem;border-radius:var(--radius-pill);z-index:30}
.skip-link:focus{left:1rem}

/* Topbar — flat */
.topbar{
  background:#06182f;
  color:#a8b9d1;
  font-size:.84rem;
}
.topbar-inner{
  display:flex;gap:1.25rem;align-items:center;justify-content:flex-end;
  padding:.65rem 0;flex-wrap:wrap;
}
.topbar a{color:#fff;font-weight:600}
.topbar svg{width:14px;height:14px;vertical-align:-2px;margin-right:.35rem;color:var(--steel)}

/* Header */
.site-header{
  position:sticky;top:0;z-index:20;
  background:rgba(255,255,255,.96);
  backdrop-filter:saturate(160%) blur(14px);
  -webkit-backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav-wrap{display:flex;align-items:center;gap:1.25rem;min-height:78px;position:relative}
.brand{display:inline-flex;align-items:center;gap:.7rem;font-weight:800;letter-spacing:-.02em;font-size:1.02rem}
.brand-mark{
  display:grid;place-items:center;width:42px;height:42px;border-radius:var(--radius-sm);
  background:var(--blue);
  color:#fff;font-size:.85rem;font-weight:900;
  box-shadow:none;
}
.main-nav{
  display:flex;align-items:center;gap:.4rem;margin-left:auto;
  font-weight:600;font-size:.94rem;
}
.main-nav>a,.has-mega>a{
  padding:.65rem .85rem;color:var(--ink-3);border-radius:var(--radius-sm);
  transition:background .15s ease,color .15s ease;
}
.main-nav .active,.main-nav a:hover,.has-mega:hover>a{color:var(--blue);background:var(--blue-soft)}
.nav-cta{margin-left:.5rem}
.nav-toggle{
  display:none;margin-left:auto;border:1px solid var(--line);background:#fff;
  border-radius:var(--radius-sm);padding:.6rem .8rem;font-size:1.2rem;cursor:pointer
}

/* Mega-menu */
.has-mega{position:relative}
.mega-menu{
  position:absolute;left:50%;top:100%;
  transform:translateX(-50%) translateY(14px);
  width:min(960px,92vw);
  background:#fff;border:1px solid var(--line);
  box-shadow:var(--shadow);border-radius:var(--radius);
  padding:1.2rem;display:grid;grid-template-columns:280px 1fr;gap:1.1rem;
  opacity:0;visibility:hidden;transition:opacity .18s ease,transform .18s ease,visibility .18s ease;
}
.has-mega:hover .mega-menu,.has-mega:focus-within .mega-menu{
  opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);
}
.mega-copy{
  background:var(--soft);
  border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem;
}
.mega-copy h3{margin-bottom:.5rem}
.mega-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem}
.mega-grid a{
  display:flex;align-items:flex-start;gap:.75rem;
  border:1px solid var(--line);border-radius:var(--radius-sm);padding:.85rem .9rem;
  transition:border-color .15s ease,background .15s ease;
}
.mega-grid a:hover{border-color:var(--blue);background:var(--blue-soft)}
.mega-grid .m-icon{
  flex:0 0 36px;height:36px;border-radius:var(--radius-sm);display:grid;place-items:center;
  background:var(--blue-soft);color:var(--blue);
}
.mega-grid strong{display:block;font-size:.95rem;margin-bottom:.2rem}
.mega-grid span{display:block;color:var(--muted);font-weight:500;font-size:.83rem;line-height:1.4}

/* Buttons — flat, banker-credible */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  border-radius:var(--radius-pill);padding:.8rem 1.25rem;font-weight:700;font-size:.94rem;
  border:1px solid transparent;cursor:pointer;letter-spacing:.005em;
  transition:box-shadow .15s ease,background .15s ease,color .15s ease,border-color .15s ease;
}
.btn:hover{transform:none}
.btn-primary{background:var(--blue);color:#fff;box-shadow:none}
.btn-primary:hover{background:var(--blue-2);box-shadow:var(--shadow-sm)}
.btn-secondary{background:var(--steel-soft);color:var(--blue)}
.btn-secondary:hover{background:#e1e8f3}
.btn-light{background:#fff;color:var(--blue);box-shadow:var(--shadow-sm)}
.btn-outline{border-color:var(--line-2);color:var(--ink);background:#fff}
.btn-outline:hover{border-color:var(--blue);color:var(--blue);background:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.45);color:#fff;background:transparent}
.btn-outline-light:hover{background:rgba(255,255,255,.08);border-color:#fff}
.btn-ghost{color:var(--blue);background:transparent;padding-inline:.4rem}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--ink-2)}
.text-link{color:var(--blue);font-weight:700;display:inline-flex;align-items:center;gap:.3rem}
.text-link:hover{text-decoration:underline}

/* Eyebrow — neutral default + single .accent variant */
.eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;
  text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;
  font-weight:700;color:var(--ink-2);margin-bottom:.85rem;
}
.eyebrow:before{content:"";width:24px;height:2px;background:var(--steel);border-radius:2px}
.eyebrow.accent{color:var(--green)}
.eyebrow.accent:before{background:var(--green)}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;overflow:hidden;
  padding:clamp(4rem,7vw,6rem) 0 clamp(5rem,8vw,7rem);
  background:linear-gradient(180deg,#fbfdff 0%,#f1f5fb 100%);
  border-bottom:1px solid var(--line);
}
.hero>*{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.05fr .85fr;gap:3.5rem;align-items:center}
.hero-copy h1{margin-bottom:1.25rem}
.hero-copy h1 em{
  font-style:normal;
  background:none;
  -webkit-background-clip:initial;background-clip:initial;
  color:var(--ink);font-weight:800;
}
.hero-copy p,.page-hero p{font-size:1.08rem;max-width:640px;color:var(--ink-2)}
.hero-actions,.inline-actions,.cta-actions{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.6rem}
.trust-row{display:flex;gap:.55rem;flex-wrap:wrap;margin-top:1.75rem}
.trust-row span{
  display:inline-flex;align-items:center;gap:.4rem;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-pill);
  padding:.55rem .9rem;font-weight:700;color:var(--ink-3);font-size:.86rem;
  box-shadow:none;
}
.trust-row svg{width:14px;height:14px;color:var(--green)}

/* Hero panel — calm, no conic glow ring */
.hero-panel{position:relative}
.hero-card{
  position:relative;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:1.5rem;
}
.hero-card .pill{
  display:inline-flex;align-items:center;gap:.4rem;
  background:var(--green-soft);color:var(--green);font-weight:700;font-size:.78rem;
  padding:.35rem .7rem;border-radius:var(--radius-pill);letter-spacing:.06em;text-transform:uppercase;
}
.hero-card label{display:grid;gap:.4rem;margin-bottom:.85rem;font-weight:700;color:var(--ink-3);font-size:.88rem}
.hero-card input,.hero-card select{
  width:100%;border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:.85rem 1rem;font:inherit;color:var(--ink);background:#fff;
  transition:border-color .15s ease,box-shadow .15s ease;
}
.hero-card input:focus,.hero-card select:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(10,58,115,.14);
}
.calc-result{
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
  background:var(--ink);
  color:#fff;border-radius:var(--radius);padding:1rem 1.15rem;margin:.9rem 0 1.1rem;
}
.calc-result span{color:#c7d8ea;font-size:.85rem}
.calc-result strong{font-size:1.45rem;letter-spacing:-.02em}

/* Hub hero illustration cards — distinctly Kenyan, no people photos */
.hub-svg-card{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:1.5rem;box-shadow:var(--shadow);
  display:flex;flex-direction:column;gap:.55rem;max-width:480px;margin-inline:auto;
  font-feature-settings:"tnum";
}
.hub-svg-pill{
  display:inline-flex;align-items:center;gap:.4rem;
  background:var(--ink);color:#fff;font-weight:800;font-size:.75rem;letter-spacing:.1em;
  padding:.4rem .85rem;border-radius:var(--radius-pill);align-self:flex-start;margin-bottom:.4rem;
}
.hub-svg-pill svg{width:14px;height:14px}
.hub-svg-pill.green{background:var(--green)}
.hub-svg-pill.blue{background:var(--blue)}
.hub-svg-pill.gold{background:var(--ink-2)}
.hub-svg-row{
  display:flex;justify-content:space-between;align-items:baseline;gap:.8rem;
  padding:.55rem 0;border-bottom:1px dashed var(--line);font-size:.92rem;
}
.hub-svg-row span{color:var(--muted);font-weight:600}
.hub-svg-row strong{color:var(--ink);font-weight:800;text-align:right}
.hub-svg-row.negative strong{color:var(--rose)}
.hub-svg-row.total{
  border-bottom:0;background:var(--soft);
  margin:.4rem -1.5rem -.5rem;padding:.85rem 1.5rem;
  font-size:1rem;
}
.hub-svg-row.total strong{color:var(--blue);font-size:1.1rem;font-weight:900}
.hub-svg-foot{
  margin-top:.6rem;font-size:.78rem;color:var(--muted-2);font-style:italic;
  border-top:1px solid var(--line);padding-top:.7rem;
}
.payslip-card .hub-svg-row.total strong{color:var(--blue)}
.landlord-card .hub-svg-row.total strong{color:var(--blue)}
.asset-card .hub-svg-row.total strong{color:var(--blue)}
.business-card .hub-svg-row.total strong{color:var(--blue)}
.mpesa-mini .hub-svg-row.total strong{color:var(--green)}

/* M-Pesa SMS phone mockup — distinctly Kenyan hero centerpiece */
.mpesa-mock{position:relative;max-width:420px;margin-inline:auto}
.mpesa-mock:before{
  content:"";position:absolute;inset:-30px -10px -10px -10px;border-radius:48px;
  background:conic-gradient(from 140deg,rgba(11,92,173,.22),rgba(22,163,107,.22),rgba(242,165,26,.22),rgba(11,92,173,.22));
  filter:blur(28px);opacity:.25;
}
.mpesa-phone{
  position:relative;background:#0a1628;border-radius:42px;padding:14px 10px;
  box-shadow:0 18px 50px rgba(10,22,40,.28),inset 0 0 0 2px rgba(255,255,255,.04);
  border:6px solid #1a2a44;
}
.mpesa-notch{
  position:absolute;top:14px;left:50%;transform:translateX(-50%);
  width:88px;height:18px;border-radius:14px;background:#0a1628;z-index:2;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.05);
}
.mpesa-screen{
  background:linear-gradient(180deg,#f4f6f9 0%,#e8edf3 100%);
  border-radius:28px;padding:38px 14px 14px;min-height:540px;
  display:flex;flex-direction:column;gap:10px;
}
.mpesa-statusbar{
  display:flex;justify-content:space-between;align-items:center;font-size:.7rem;font-weight:700;color:#0a1628;
  padding:0 6px;
}
.mpesa-statusbar .dots{color:#0a7a4f;letter-spacing:-.05em}
.mpesa-statusbar .dots b{color:#0a7a4f;margin-left:.3rem;letter-spacing:.04em}
.mpesa-sms{display:flex;flex-direction:column;gap:8px;flex:1}
.mpesa-sms-from{
  display:flex;align-items:center;gap:.55rem;background:#fff;border:1px solid var(--line);
  border-radius:14px;padding:.55rem .7rem;
}
.mpesa-avatar{
  width:32px;height:32px;border-radius:50%;display:grid;place-items:center;
  background:linear-gradient(135deg,#16a36b,#0a7a4f);color:#fff;font-weight:900;font-size:.95rem;
}
.mpesa-sms-from strong{display:block;font-size:.85rem;color:#0a1628}
.mpesa-sms-from .mpesa-time{font-size:.72rem;color:#5a6b81}
.mpesa-bubble{
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:.7rem .85rem;
  font-size:.78rem;line-height:1.45;color:#1b2b44;
  box-shadow:0 6px 16px rgba(10,22,40,.05);
}
.mpesa-bubble b{color:#0a7a4f;font-weight:800}
.mpesa-bubble strong{color:#0a1628;font-weight:900}
.mpesa-bubble.outgoing{
  background:#dcf8c6;border-color:#bce3a4;color:#0d3b1f;align-self:flex-end;max-width:88%;
}
.mpesa-bubble .mpesa-link{color:#0b5cad;font-weight:700}
.mpesa-cta-bar{
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:.6rem;
  display:flex;justify-content:center;
}
.mpesa-cta-bar .btn-light{font-size:.85rem;padding:.55rem 1rem;width:100%;background:linear-gradient(135deg,var(--blue),var(--blue-3));color:#fff}
.mpesa-cta-bar .btn-light:hover{filter:brightness(1.08)}

/* Protected: green sticker per user request — do not flatten */
.mpesa-badge{
  position:absolute;top:18px;right:-22px;z-index:3;
  transform:rotate(8deg);
}
.mpesa-badge .pill{
  display:inline-flex;align-items:center;gap:.4rem;
  background:linear-gradient(135deg,#16a36b,#0a7a4f);color:#fff;font-weight:800;font-size:.74rem;
  padding:.45rem .8rem;border-radius:999px;letter-spacing:.04em;text-transform:uppercase;
  box-shadow:0 14px 30px rgba(10,90,55,.4);
}
@media (max-width:980px){
  .mpesa-mock{max-width:340px}
  .mpesa-screen{min-height:480px}
  .mpesa-badge{right:auto;left:50%;top:-8px;transform:translateX(-50%) rotate(-2deg)}
}

/* Hero image card (replaces calculator on homepage) */
.hero-image-card{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  box-shadow:var(--shadow);border:1px solid var(--line);
  background:#0a1628;aspect-ratio:4/5;max-width:520px;margin-inline:auto;
}
.hero-image-card img{
  position:absolute;inset:0;width:100%;height:100%;object-fit:cover;
  transform:scale(1.02);
}
.hero-image-card:after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(6,19,40,0) 35%,rgba(6,19,40,.55) 65%,rgba(6,19,40,.92) 100%);
}
.hero-image-overlay{
  position:absolute;left:0;right:0;bottom:0;padding:1.6rem 1.6rem 1.8rem;color:#fff;z-index:1;
}
.hero-image-overlay h3{color:#fff;font-size:1.35rem;margin:.6rem 0 .5rem;letter-spacing:-.02em}
.hero-image-overlay p{color:#cfdcef;font-size:.95rem;margin:0 0 1rem;max-width:38ch}
.hero-image-overlay .pill{
  display:inline-flex;align-items:center;gap:.4rem;
  background:rgba(15,122,77,.92);color:#fff;font-weight:700;font-size:.78rem;
  padding:.4rem .85rem;border-radius:var(--radius-pill);letter-spacing:.06em;text-transform:uppercase;
  backdrop-filter:blur(8px);
}
.hero-image-overlay .btn-light{font-size:.92rem;padding:.7rem 1.1rem}
@media (max-width:980px){
  .hero-image-card{aspect-ratio:5/4;max-width:none}
}

/* Stats ribbon */
.stats-ribbon{
  position:relative;margin-top:-3.5rem;z-index:2;
}
.stats-card{
  background:var(--ink);color:#fff;border-radius:var(--radius-lg);
  padding:2rem clamp(1.25rem,3vw,2.5rem);
  display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;
  box-shadow:var(--shadow);
}
.stat strong{display:block;font-size:clamp(1.7rem,3vw,2.3rem);font-weight:800;color:#fff;letter-spacing:-.02em}
.stat span{display:block;color:#a3b6cf;font-size:.88rem;margin-top:.2rem}
@media (max-width:780px){.stats-card{grid-template-columns:repeat(2,1fr);row-gap:1.4rem}}

/* Marquee partner row */
.partners{padding:2.5rem 0;background:#fff;border-bottom:1px solid var(--line)}
.partners-track{
  display:flex;align-items:center;gap:3rem;flex-wrap:wrap;justify-content:center;
  color:#a4b0c2;font-weight:700;letter-spacing:.04em;font-size:.92rem;
}
.partners-track span{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.6rem 1rem;border:1px solid var(--line);border-radius:var(--radius-pill);
  background:#fff;color:var(--muted);
}

/* Section primitives */
.section{padding:clamp(4rem,8vw,6.5rem) 0;position:relative}
.section.muted{background:var(--soft)}
.section.dark{background:#06182f;color:#cdd9ec}
.section.dark h2,.section.dark h3{color:#fff}
.section.dark p{color:#9eb0c8}
.section-head{text-align:center;max-width:760px;margin:0 auto 2.4rem}
.section-head.left{text-align:left;margin-left:0}
.section-head h2{margin-bottom:.6rem}

/* Loan family cards */
.loan-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.1rem}
.loan-card{
  position:relative;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:0;overflow:hidden;
  box-shadow:none;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
  display:flex;flex-direction:column;
}
.loan-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm);border-color:var(--line-2)}
.loan-card.compact{padding:1.5rem}
/* Loan card photo + theme overlay (deep-blue mono) */
.loan-card-media{
  position:relative;aspect-ratio:16/10;overflow:hidden;border-bottom:1px solid var(--line);background:var(--soft);
}
.loan-card-image{
  width:100%;height:100%;object-fit:cover;display:block;
  transition:transform .35s ease;
}
.loan-card:hover .loan-card-image{transform:scale(1.04)}
.loan-card-media-overlay{
  position:absolute;inset:0;display:flex;align-items:flex-end;justify-content:space-between;
  padding:1rem 1.15rem;color:#fff;
}
.loan-card-media-overlay:before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(180deg,rgba(10,22,40,0) 35%,rgba(10,22,40,.55) 75%,rgba(10,22,40,.85) 100%);
}
.loan-card-media.theme-personal:after,
.loan-card-media.theme-property:after,
.loan-card-media.theme-business:after,
.loan-card-media.theme-asset:after,
.loan-card-media.theme-checkoff:after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(10,22,40,.10) 0%,rgba(10,22,40,.30) 100%);
  mix-blend-mode:multiply;pointer-events:none;
}
.loan-card-icon{
  position:relative;display:grid;place-items:center;width:46px;height:46px;border-radius:var(--radius-sm);
  background:rgba(255,255,255,.18);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.30);
  z-index:1;
}
.loan-card-icon svg{width:24px;height:24px;color:#fff}
.loan-card-num{
  position:relative;z-index:1;font-family:Inter,system-ui;font-weight:900;font-size:2.4rem;
  letter-spacing:-.04em;color:rgba(255,255,255,.85);line-height:1;text-shadow:0 2px 8px rgba(0,0,0,.25);
}
/* Themes — all deep-blue family; identity carried by photo + eyebrow microcopy */
.theme-personal{background:linear-gradient(135deg,#0a3a73 0%,#072a55 100%)}
.theme-property{background:linear-gradient(135deg,#1b3a64 0%,#0a2244 100%)}
.theme-business{background:linear-gradient(135deg,#0f3a60 0%,#0a1628 100%)}
.theme-asset{background:linear-gradient(135deg,#1c3457 0%,#0a1628 100%)}
.theme-checkoff{background:linear-gradient(135deg,#243a5c 0%,#0a1628 100%)}
.loan-card-body{padding:1.4rem 1.4rem 1.5rem;display:flex;flex-direction:column;gap:.7rem;flex:1}
.loan-card .card-icon{
  display:grid;place-items:center;width:46px;height:46px;border-radius:var(--radius-sm);
  background:var(--blue-soft);color:var(--blue);font-weight:900;
  margin-bottom:.4rem;
}
.loan-card h3{margin:0}
.loan-card ul{padding-left:1.1rem;color:var(--muted);margin:.2rem 0 .6rem;font-size:.93rem}
.loan-card a.text-link{margin-top:auto}

/* Need-routing strip */
.need-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:.9rem}
.need-grid a{
  display:flex;flex-direction:column;justify-content:space-between;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem 1.2rem;min-height:170px;
  transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease;
}
.need-grid a:hover{transform:translateY(-2px);border-color:var(--blue);box-shadow:var(--shadow-sm)}
.need-grid .n-icon{
  width:46px;height:46px;border-radius:var(--radius-sm);display:grid;place-items:center;
  background:var(--blue-soft);color:var(--blue);margin-bottom:.8rem;
}
.need-grid span{display:block;color:var(--muted);font-size:.88rem}
.need-grid strong{display:block;margin-top:.4rem;font-size:1.05rem;line-height:1.2}

/* Why / feature grid */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:3rem;align-items:start}
.feature-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.feature-grid div{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.3rem;box-shadow:none;
}
.feature-grid .f-icon{width:42px;height:42px;border-radius:var(--radius-sm);display:grid;place-items:center;background:var(--blue-soft);color:var(--blue);margin-bottom:.7rem}
.feature-grid strong{display:block;font-size:1.05rem;margin-bottom:.25rem}
.feature-grid span{color:var(--muted);font-size:.92rem;line-height:1.5}

/* Benefit grid */
.benefit-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.benefit-grid div{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem;box-shadow:none;position:relative;overflow:hidden;
}
.benefit-grid .b-num{
  position:relative;display:inline-grid;place-items:center;width:38px;height:38px;
  background:var(--blue);color:#fff;
  border-radius:var(--radius-sm);font-weight:900;font-size:.88rem;margin-bottom:.7rem;
}
.benefit-grid strong{display:block;font-size:1.05rem;margin-bottom:.3rem;position:relative}
.benefit-grid span{display:block;color:var(--muted);font-size:.92rem;line-height:1.55;position:relative}

/* Check list */
.check-list{list-style:none;padding:0;margin:0;display:grid;gap:.8rem}
.check-list li{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:.95rem 1rem .95rem 2.7rem;color:var(--ink-3);font-weight:600;
}
.check-list li:before{
  content:"";position:absolute;left:.95rem;top:1rem;
  width:22px;height:22px;border-radius:50%;
  background:var(--green-soft) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f7a4d' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='5 12 10 17 19 7'/></svg>") center/14px no-repeat;
}

/* Process grid */
.process-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;counter-reset:step}
.process-grid div{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem;position:relative;
}
.process-grid div:before{
  counter-increment:step;content:"0" counter(step);
  position:absolute;top:1rem;right:1rem;
  font-weight:900;color:var(--line-2);font-size:1.05rem;letter-spacing:-.02em;
}
.step{
  display:inline-grid;place-items:center;width:46px;height:46px;
  background:var(--ink);color:#fff;
  border-radius:var(--radius-sm);font-weight:900;margin-bottom:.85rem;
}

/* Channel grid */
.channel-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.channel-grid a{
  display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.5rem;box-shadow:none;
  transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease;
}
.channel-grid a:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm);border-color:var(--blue)}
.channel-grid .channel-icon{
  display:grid;place-items:center;width:48px;height:48px;border-radius:var(--radius-sm);
  background:var(--blue-soft);color:var(--blue);
  margin-bottom:.95rem;
}
.channel-grid strong{display:block;font-size:1.08rem;margin-bottom:.25rem}
.channel-grid span{display:block;color:var(--muted);font-size:.9rem;line-height:1.5}

/* Trust grid — green accent earned here */
.trust-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.trust-grid div{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem;box-shadow:none;
}
.trust-grid .badge-icon{
  display:grid;place-items:center;width:42px;height:42px;border-radius:var(--radius-sm);
  background:var(--green-soft);color:var(--green);margin-bottom:.75rem;
}
.trust-grid strong{display:block;margin-bottom:.3rem;font-size:1.02rem}
.trust-grid span{display:block;color:var(--muted);font-size:.9rem;line-height:1.5}

/* Quick facts */
.quick-facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem}
.quick-facts div{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.05rem 1.15rem;box-shadow:none;
}
.quick-facts span{display:block;color:var(--muted);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em}
.quick-facts strong{display:block;margin-top:.35rem;font-size:1.03rem}

/* Tables */
.table-wrap{overflow:auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:none}
table{width:100%;border-collapse:collapse;min-width:760px}
th,td{text-align:left;padding:1rem 1.15rem;border-bottom:1px solid var(--line)}
th{background:var(--soft);color:var(--ink-3);font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700}
td{color:var(--ink-3);font-weight:600}
td:first-child{font-weight:700;color:var(--ink)}
td a{color:var(--blue);font-weight:700}
tbody tr:hover{background:var(--hairline)}

/* FAQ accordion */
.faq-list{display:grid;gap:.7rem;max-width:880px}
.faq-list details{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.1rem 1.25rem;transition:border-color .15s ease,box-shadow .15s ease;
}
.faq-list details[open]{border-color:var(--blue);box-shadow:var(--shadow-sm)}
.faq-list summary{
  cursor:pointer;font-weight:700;color:var(--ink);
  list-style:none;display:flex;align-items:center;justify-content:space-between;gap:1rem;
}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{
  content:"";width:22px;height:22px;border-radius:50%;
  background:var(--blue-soft) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a3a73' stroke-width='3' stroke-linecap='round'><line x1='6' y1='12' x2='18' y2='12'/><line x1='12' y1='6' x2='12' y2='18'/></svg>") center/14px no-repeat;
  flex-shrink:0;transition:transform .2s ease;
}
.faq-list details[open] summary:after{transform:rotate(45deg)}
.faq-list p{margin:.7rem 0 0}

/* Related products */
.related-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.9rem}
.related-row a{
  display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.2rem;transition:border-color .15s ease,transform .15s ease;
}
.related-row a:hover{border-color:var(--blue);transform:translateY(-2px)}
.related-row .r-icon{width:38px;height:38px;border-radius:var(--radius-sm);background:var(--blue-soft);color:var(--blue);display:grid;place-items:center;margin-bottom:.7rem}
.related-row strong{display:block;font-size:.98rem;margin-bottom:.25rem}
.related-row span{display:block;color:var(--muted);font-size:.85rem;line-height:1.45}

/* App + USSD promo */
.app-block{
  background:#0a1628;
  border-radius:var(--radius-lg);color:#fff;
  padding:clamp(2rem,4vw,3rem);
  display:grid;grid-template-columns:1.2fr .8fr;gap:2.5rem;align-items:center;overflow:hidden;position:relative;
}
.app-block h2,.app-block h3{color:#fff}
.app-block p{color:#b9c8df}
.app-stores{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.2rem}
.app-stores a{
  display:inline-flex;align-items:center;gap:.6rem;padding:.7rem 1.05rem;border-radius:var(--radius-sm);
  background:#fff;color:var(--ink);font-weight:700;font-size:.92rem;
  border:1px solid rgba(255,255,255,.14);
}
.app-stores a:hover{background:#f3f7fc}
.app-mock{
  position:relative;justify-self:center;width:240px;aspect-ratio:9/19;
  border-radius:32px;background:#0d2a52;border:6px solid #1a3661;box-shadow:var(--shadow-lg);
  overflow:hidden;
}
.app-mock:before{
  content:"";position:absolute;top:8px;left:50%;transform:translateX(-50%);
  width:80px;height:14px;border-radius:8px;background:#0a1628;
}
.app-mock-screen{
  position:absolute;inset:24px 6px 6px;border-radius:24px;
  background:linear-gradient(180deg,#fff 0%,#eaf3fd 100%);
  padding:14px;display:flex;flex-direction:column;gap:8px;
}
.app-mock-row{height:34px;border-radius:10px;background:#dbe9f9}
.app-mock-row.tall{height:80px;background:var(--blue);position:relative}
.app-mock-row.tall:after{content:"KES 25,116";position:absolute;left:12px;bottom:10px;color:#fff;font-weight:800}
.app-mock-row.short{width:60%}
.ussd-block{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(2rem,4vw,3rem);display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:center;
}
.ussd-code{
  display:inline-flex;align-items:center;gap:.5rem;background:var(--ink);color:#fff;
  padding:.85rem 1.3rem;border-radius:var(--radius-sm);font-weight:900;font-size:1.2rem;letter-spacing:.04em;
}
.ussd-steps{display:grid;gap:.7rem}
.ussd-steps div{
  display:flex;align-items:flex-start;gap:.8rem;background:var(--soft);
  border:1px solid var(--line);border-radius:var(--radius-sm);padding:.85rem 1rem;
}
.ussd-steps strong{display:grid;place-items:center;width:30px;height:30px;border-radius:var(--radius-sm);background:var(--blue);color:#fff;font-weight:900;font-size:.85rem;flex-shrink:0}
.ussd-steps span{color:var(--ink-2);font-weight:600;font-size:.95rem}

/* Testimonials */
.testimonial-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.testimonial{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;
  box-shadow:none;position:relative;
}
.testimonial:before{
  content:"\201C";position:absolute;top:.4rem;right:1.1rem;font-size:4rem;
  font-family:Georgia,serif;color:var(--blue-soft);line-height:1;
}
.testimonial p{font-style:italic;color:var(--ink-2);margin-bottom:1rem;font-weight:500}
.testimonial-meta{display:flex;align-items:center;gap:.7rem}
.testimonial-meta .avatar{width:42px;height:42px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:900}
.testimonial-meta strong{display:block;font-size:.95rem}
.testimonial-meta span{color:var(--muted);font-size:.83rem}

/* CTA band */
.cta-band{
  background:var(--blue);
  color:#fff;
}
.cta-inner{display:flex;justify-content:space-between;gap:2rem;align-items:center}
.cta-band p,.cta-band .eyebrow{color:#dcecff}
.cta-band .eyebrow:before{background:#dcecff}

/* Page hero */
.page-hero{
  position:relative;overflow:hidden;
  padding:clamp(4rem,7.5vw,6.5rem) 0 clamp(4rem,7vw,6rem);
  background:linear-gradient(180deg,#fbfdff,#f1f5fb);
  border-bottom:1px solid var(--line);
}
.page-hero>*{position:relative;z-index:1}
.product-hero{padding-bottom:clamp(5rem,8vw,7rem)}
/* Per-product hero tints — desaturated to deep-blue family */
.hero-personal{background:linear-gradient(180deg,#fbfdff,#e6eef9)}
.hero-property{background:linear-gradient(180deg,#fbfdff,#e7eef8)}
.hero-business{background:linear-gradient(180deg,#fbfdff,#e6eef9)}
.hero-asset{background:linear-gradient(180deg,#fbfdff,#e7eef8)}
.hero-checkoff{background:linear-gradient(180deg,#fbfdff,#e6eef9)}

.product-visual{grid-column:2;grid-row:1 / span 2;position:relative}
.product-visual img{
  position:relative;border-radius:var(--radius-lg);border:1px solid var(--line);
  box-shadow:var(--shadow);background:#fff;
}
.product-hero .quick-facts{grid-column:2}

/* Static form */
.static-form{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);padding:1.75rem;
}
.static-form label{display:grid;gap:.4rem;margin-bottom:1.05rem;font-weight:700;color:var(--ink-3);font-size:.88rem}
.static-form input,.static-form select,.static-form textarea{
  width:100%;border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:.9rem 1rem;font:inherit;color:var(--ink);background:#fff;
}
.static-form input:focus,.static-form select:focus,.static-form textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(10,58,115,.14);
}

/* Support hero image */
.support-hero-image{
  max-width:560px;margin:2rem auto 0;border-radius:var(--radius-lg);
  border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;
}

/* Footer — flat dark */
.site-footer{
  background:#06182f;
  color:#a8b9d1;padding:4rem 0 1.5rem;position:relative;overflow:hidden;
}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:2.2rem}
.site-footer h3{color:#fff;font-size:.95rem;letter-spacing:.04em;text-transform:uppercase;margin-bottom:.9rem}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.55rem}
.site-footer a{color:#cdd9ec;font-size:.92rem}
.site-footer a:hover{color:#fff}
.footer-brand{color:#fff;margin-bottom:1rem}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.10);
  display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;
  margin-top:3rem;padding-top:1.4rem;color:#8aa2bf;font-size:.86rem;
}
.footer-socials{display:flex;gap:.5rem;margin-top:1rem}
.footer-socials a{
  width:36px;height:36px;border-radius:var(--radius-sm);background:rgba(255,255,255,.06);
  display:grid;place-items:center;border:1px solid rgba(255,255,255,.10);
}
.footer-socials a:hover{background:rgba(255,255,255,.12)}

/* Floating calc on hero panel */
.floating-calc{margin:-3.5rem 1.5rem 0 auto;width:min(420px,92%)}

/* ── Responsive ─────────────────────────────────────────────────── */
@media (max-width:1024px){
  .loan-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .channel-grid,.trust-grid,.feature-grid,.benefit-grid,.related-row{grid-template-columns:repeat(2,minmax(0,1fr))}
  .testimonial-grid{grid-template-columns:1fr}
  .ussd-block{grid-template-columns:1fr}
}
@media (max-width:980px){
  .nav-toggle{display:block}
  .main-nav,.nav-cta{display:none}
  .nav-wrap.open .main-nav{
    display:grid;position:absolute;left:4vw;right:4vw;top:78px;
    background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1rem;box-shadow:var(--shadow);
  }
  .nav-wrap.open .nav-cta{display:inline-flex;position:absolute;right:8vw;top:calc(78px + 1rem)}
  .mega-menu{position:static;transform:none;width:auto;display:none;box-shadow:none;margin-top:.5rem;grid-template-columns:1fr}
  .has-mega:hover .mega-menu,.has-mega:focus-within .mega-menu{display:grid;transform:none}
  .hero-grid,.split{grid-template-columns:1fr;gap:2rem}
  .product-visual,.product-hero .quick-facts{grid-column:auto;grid-row:auto}
  .floating-calc{margin:1rem 0 0;width:100%}
  .stats-card{grid-template-columns:repeat(2,1fr);row-gap:1.4rem}
  .need-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .app-block{grid-template-columns:1fr}
  .app-mock{margin-inline:auto}
}
@media (max-width:640px){
  h1{font-size:2.1rem}
  .topbar-inner{justify-content:flex-start}
  .loan-grid,.need-grid,.process-grid,.feature-grid,.quick-facts,.footer-grid,.mega-grid,.channel-grid,.trust-grid,.benefit-grid,.related-row,.testimonial-grid{grid-template-columns:1fr}
  .cta-inner{display:block}
  .footer-bottom{display:block}
  .nav-wrap.open .nav-cta{position:static;margin:1rem 0 0}
  .stats-card{grid-template-columns:1fr}
}

/* Image utilities */
.hero-image{
  position:relative;border-radius:var(--radius-lg);
  box-shadow:var(--shadow);border:1px solid var(--line);background:#fff;
}
@media (max-width:640px){.hero-image{border-radius:var(--radius)}.support-hero-image{border-radius:var(--radius)}}