/* =========================================================
   SwiftLoan.ai — Design System (Liquid glass · Aurora)
   Teal #079FA0 · Green #2FB183 · Public Sans + Inter
   ========================================================= */

:root {
  /* brand */
  --teal:#079FA0; --teal-d:#057C7D; --teal-dd:#0B6E6F; --teal-bright:#0CB6A6;
  --green:#2FB183; --green-d:#0E8A66; --green-verify:#1E7D5A;
  --mint:#6FEBBE; --mint-word:#7DEBC0;

  /* dark accents */
  --dark-1:#0C2B2C; --dark-2:#0A3F41; --dark-3:#0E6E5C; --dark-ink:#0F2A2B;

  /* ink / text ramp */
  --ink:#0F2A2B; --ink-head:#12302F; --ink-strong:#3A4C4C;
  --sub:#5C6E6E; --body:#6E8080; --muted:#93A3A3; --legal:#7E9291;
  --caption:#8A9A9A; --disabled:#A6B4B4; --disabled-bg:#CBD6D5;

  /* surfaces */
  --warm:#FCFBF8; --cool:#EFF6F4; --mint-tint:#E7F6F3;
  --card-tint:#F5F9F8; --border:#E4EEED; --border-soft:#EDF1F1;
  --tile-teal:#E1F3F3; --tile-green:#E3F6EE;
  --hair:#CBDAD9;

  /* status */
  --amber:#DD8A0B; --alert:#D9524E;

  /* gradients */
  --grad-brand:linear-gradient(140deg,#079FA0 0%,#2FB183 100%);
  --grad-brand-45:linear-gradient(90deg,#079FA0,#2FB183);
  --grad-tile:linear-gradient(145deg,#0CB6A6,#2FB183);
  --grad-dark:radial-gradient(70% 60% at 100% 0%, rgba(47,177,131,.28) 0%, rgba(47,177,131,0) 60%),
              linear-gradient(150deg,#0C2B2C 0%,#0A3F41 60%,#0E6E5C 130%);

  /* aurora page background */
  --aurora:
    radial-gradient(58% 40% at 0% 0%, rgba(47,177,131,.20) 0%, rgba(47,177,131,0) 55%),
    radial-gradient(60% 44% at 100% 3%, rgba(245,201,150,.24) 0%, rgba(245,201,150,0) 54%),
    radial-gradient(72% 52% at 100% 100%, rgba(7,159,160,.20) 0%, rgba(7,159,160,0) 60%),
    linear-gradient(155deg,#FCFBF8 0%,#F5F9F8 52%,#EDF5F3 100%);

  /* shadows — cool-tinted, never gray/black */
  --sh-rest:0 12px 28px -18px rgba(20,60,58,.30);
  --sh-card:0 22px 46px -28px rgba(20,60,58,.34);
  --sh-hero:0 26px 52px -30px rgba(20,60,58,.40);
  --sh-cta:0 12px 26px -10px rgba(47,177,131,.55);
  --sh-cta-h:0 16px 32px -10px rgba(47,177,131,.7);
  --sh-nav:0 14px 36px -12px rgba(15,42,43,.28);

  /* glass */
  --glass-bg:rgba(255,255,255,.55);
  --glass-bd:rgba(255,255,255,.7);
  --glass-blur:blur(20px) saturate(150%);

  --radius:16px; --radius-md:22px; --radius-lg:28px; --radius-xl:32px; --pill:9999px;
  --maxw:1180px;
  --ease:cubic-bezier(.22,.61,.36,1);
  --font-head:'Public Sans',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
  --font-mono:'JetBrains Mono',monospace;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:100px;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);color:var(--body);
  background:var(--warm);line-height:1.6;font-size:16px;
  overflow-x:hidden;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  font-variant-numeric:tabular-nums;position:relative;
}
img{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit}
ul,ol{list-style:none}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--ink-head);font-weight:800;line-height:1.1;letter-spacing:-.025em}
h2{font-size:clamp(1.75rem,3.6vw,2.6rem)}
h3{font-size:1.15rem;letter-spacing:-.02em}
h4{font-size:1rem}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- Material Symbols ---------- */
.msi{font-family:'Material Symbols Outlined';font-weight:400;font-style:normal;
  line-height:1;display:inline-flex;vertical-align:middle;white-space:nowrap;
  font-variation-settings:'FILL' 0,'wght' 400,'GRAD' 0,'opsz' 24;-webkit-font-smoothing:antialiased}
.msi--fill{font-variation-settings:'FILL' 1,'wght' 500,'GRAD' 0,'opsz' 24}

/* ---------- aurora background layer ---------- */
.aurora{position:fixed;inset:0;z-index:-1;background:var(--aurora);overflow:hidden}
.motif{position:absolute;font-family:'Material Symbols Outlined';font-size:150px;
  color:rgba(7,159,160,.055);user-select:none;font-variation-settings:'FILL' 0}
.motif--fill{color:rgba(47,177,131,.05);font-variation-settings:'FILL' 1}

/* ---------- icon tiles ---------- */
.icon-tile{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;flex-shrink:0}
.icon-tile--lg{width:54px;height:54px;border-radius:16px}
.icon-tile--teal{background:var(--tile-teal);color:var(--teal)}
.icon-tile--green{background:var(--tile-green);color:var(--green)}
.icon-tile .msi{font-size:24px}
.icon-tile--lg .msi{font-size:28px}

/* ---------- glass surface ---------- */
.glass{
  background:var(--glass-bg);
  -webkit-backdrop-filter:var(--glass-blur);backdrop-filter:var(--glass-blur);
  border:1px solid var(--glass-bd);border-radius:var(--radius-md);
  box-shadow:var(--sh-card);
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font-body);font-weight:700;font-size:.95rem;
  padding:.85rem 1.4rem;border-radius:var(--radius);line-height:1;white-space:nowrap;
  transition:transform .18s ease,box-shadow .18s ease,background .18s ease,border-color .18s ease;
}
.btn .msi{font-size:1.15em}
.btn:active{transform:scale(.97)}
.btn--primary{background:var(--grad-brand);color:#fff;box-shadow:var(--sh-cta)}
.btn--primary:hover{box-shadow:var(--sh-cta-h);transform:translateY(-1px)}
.btn--secondary{background:transparent;color:var(--ink);border:1.5px solid var(--hair)}
.btn--secondary:hover{border-color:var(--teal);color:var(--teal);background:rgba(7,159,160,.04)}
.btn--dark{background:var(--dark-ink);color:#fff;border-radius:14px}
.btn--dark:hover{background:#164544}
.btn--light{background:#fff;color:var(--teal-d);box-shadow:var(--sh-rest)}
.btn--light:hover{transform:translateY(-1px);box-shadow:var(--sh-card)}
.btn--lg{padding:1rem 1.7rem;font-size:1rem;border-radius:var(--pill)}
.btn--block{width:100%}
.btn[disabled]{background:var(--disabled-bg);color:#fff;box-shadow:none;cursor:not-allowed;transform:none}

/* ---------- pills / eyebrow ---------- */
.pill{display:inline-flex;align-items:center;gap:.4rem;font-size:.8rem;font-weight:700;
  padding:.45rem .9rem;border-radius:var(--pill);
  background:rgba(7,159,160,.1);color:var(--teal-d)}
.pill .msi{font-size:1rem}
.pill--soft{background:rgba(47,177,131,.14);color:var(--green-verify)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--font-body);
  font-weight:700;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--teal);margin-bottom:.85rem}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--green);border-radius:2px}
.eyebrow--light{color:var(--mint)}
.eyebrow--light::before{background:var(--mint)}
.grad-text{background:var(--grad-brand-45);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}

/* ---------- topbar ---------- */
.topbar{background:var(--dark-1);color:#c7ddda;font-size:.8rem;text-align:center;
  padding:.6rem 24px;line-height:1.4;display:flex;align-items:center;justify-content:center;gap:.5rem}
.topbar .msi{font-size:1rem;color:var(--mint)}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:100;
  background:rgba(252,251,248,.72);-webkit-backdrop-filter:blur(16px) saturate(160%);backdrop-filter:blur(16px) saturate(160%);
  border-bottom:1px solid var(--border);transition:box-shadow .3s}
.nav.scrolled{box-shadow:var(--sh-nav)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;height:72px;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;font-family:var(--font-head);font-weight:800;font-size:1.3rem;letter-spacing:-.02em;color:var(--ink)}
.brand__mark{width:40px;height:40px;border-radius:12px;background:var(--grad-tile);display:grid;place-items:center;
  box-shadow:0 10px 20px -8px rgba(47,177,131,.7)}
.brand__swift{color:var(--teal)}
.brand__ai{color:var(--green);font-weight:700}
.nav__links{display:flex;align-items:center;gap:1.5rem}
.nav__links a{font-weight:600;font-size:.92rem;color:var(--sub);transition:color .18s}
.nav__links a:hover{color:var(--teal)}
.nav__links a.is-active{color:var(--teal)}
.nav__cta-mobile{display:none}
.nav__actions{display:flex;align-items:center;gap:.9rem}
.langtoggle{display:flex;gap:2px;background:rgba(255,255,255,.7);border:1px solid var(--border);border-radius:var(--pill);padding:3px}
.langtoggle__btn{padding:.35rem .8rem;border-radius:var(--pill);font-weight:700;font-size:.78rem;color:var(--sub);transition:.18s}
.langtoggle__btn.is-active{background:var(--teal);color:#fff}
.nav__toggle{display:none;flex-direction:column;gap:5px;padding:8px}
.nav__toggle span{width:24px;height:2.5px;background:var(--ink);border-radius:2px;transition:.3s}

/* ---------- hero ---------- */
.hero{position:relative;padding:clamp(2.5rem,5vw,4.5rem) 0 3rem}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center}
.hero__title{font-size:clamp(2.3rem,5vw,4rem);letter-spacing:-.035em;margin:1.1rem 0;color:var(--ink)}
.hero__sub{font-size:1.1rem;color:var(--body);max-width:36rem;margin-bottom:2rem;line-height:1.65}
.hero__cta{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:2.4rem}
.hero__trust{display:flex;gap:1.8rem;flex-wrap:wrap}
.hero__trust li{display:flex;align-items:center;gap:.7rem}
.hero__trust .msi{font-size:1.5rem;color:var(--teal)}
.hero__trust strong{font-family:var(--font-head);font-size:1.15rem;color:var(--ink);display:block;line-height:1.1}
.hero__trust span{font-size:.78rem;color:var(--muted)}

.hero__visual{position:relative;min-height:420px;display:grid;place-items:center}
.float-card--main{width:min(360px,92%);padding:1.7rem;position:relative;z-index:2;
  background:rgba(255,255,255,.6);box-shadow:var(--sh-hero);border-radius:var(--radius-lg);animation:floaty 6s ease-in-out infinite}
.fc__head{display:flex;align-items:center;gap:.5rem;font-family:var(--font-head);font-weight:800;color:var(--green-verify);font-size:.9rem;margin-bottom:1rem}
.fc__dot{width:9px;height:9px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(47,177,131,.2)}
.fc__amount{font-family:var(--font-head);font-weight:800;font-size:2.4rem;color:var(--ink);display:flex;flex-direction:column;line-height:1.05;letter-spacing:-.03em}
.fc__amount span{font-family:var(--font-body);font-size:.78rem;font-weight:500;color:var(--muted);letter-spacing:0;margin-top:.2rem}
.fc__stats{display:flex;gap:.6rem;margin:1.1rem 0 .3rem}
.fc__stat{flex:1;background:rgba(255,255,255,.55);border:1px solid var(--glass-bd);border-radius:14px;padding:.7rem .8rem}
.fc__stat span{display:block;font-size:.62rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:600;margin-bottom:.2rem}
.fc__stat b{font-family:var(--font-head);font-size:1rem;color:var(--ink)}
.fc__stat:last-child b{color:var(--green)}
.fc__bar{height:8px;background:rgba(120,150,148,.18);border-radius:99px;margin:1rem 0 .6rem;overflow:hidden}
.fc__bar i{display:block;height:100%;background:var(--grad-brand-45);border-radius:99px}
.fc__match{font-size:.82rem;color:var(--muted);margin-bottom:1.1rem}
.fc__score{font-family:var(--font-head);font-weight:800;color:var(--teal);font-size:1.05rem}
.float-card--mini{position:absolute;padding:.8rem .95rem;display:flex;align-items:center;gap:.65rem;z-index:3;
  background:rgba(255,255,255,.62);border-radius:18px;box-shadow:var(--sh-card)}
.float-card--mini b{font-family:var(--font-head);display:block;font-size:.9rem;color:var(--ink)}
.float-card--mini span{color:var(--muted);font-size:.72rem}
.float-card--mini .icon-tile{width:38px;height:38px;border-radius:11px}
.float-card--mini .icon-tile .msi{font-size:20px}
.fc-mini-1{top:-4%;left:-6%;animation:floaty 5s ease-in-out infinite .5s}
.fc-mini-2{bottom:4%;right:-7%;animation:floaty 7s ease-in-out infinite 1s}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}

/* logo strip */
.logostrip{margin-top:3.2rem;padding-top:1.6rem;border-top:1px solid var(--border);display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.logostrip__label{font-size:.78rem;color:var(--muted);font-weight:700;letter-spacing:.04em;text-transform:uppercase}
.logostrip__row{display:flex;gap:1.6rem;flex-wrap:wrap;flex:1}
.logostrip__row span{display:inline-flex;align-items:center;gap:.4rem;font-family:var(--font-head);font-weight:700;color:var(--caption);font-size:.9rem}
.logostrip__row .msi{font-size:1.1rem;color:var(--teal);opacity:.7}

/* ---------- stats band (dark accent) ---------- */
.stats{background:var(--grad-dark);color:#fff;padding:2.8rem 0;position:relative;overflow:hidden}
.stats__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;text-align:center}
.stat__num{font-family:var(--font-head);font-weight:800;font-size:clamp(1.9rem,3.6vw,2.7rem);letter-spacing:-.03em;
  background:linear-gradient(120deg,#a7f3d8,#6feBbe);background:linear-gradient(120deg,#b8f5e0,#6FEBBE);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stat__label{color:#9fc4bf;font-size:.88rem;margin-top:.3rem}

/* ---------- section base ---------- */
.section{padding:clamp(3.5rem,7vw,5.5rem) 0}
.section__head{max-width:44rem;margin:0 auto 3rem;text-align:center}
.section__head .eyebrow{justify-content:center}
.section__head--light h2{color:#fff}
.section__lead{color:var(--body);font-size:1.05rem;margin-top:.8rem;line-height:1.65}
.section__head--light .section__lead{color:#bcd8d3}

/* dark section */
.section--dark{background:var(--grad-dark);color:#fff;position:relative;overflow:hidden}

/* ---------- services ---------- */
.services__grid{display:grid;grid-template-columns:1fr 1fr;gap:1.8rem}
.svc-card{padding:2rem;position:relative;transition:transform .3s var(--ease),box-shadow .3s;border-radius:var(--radius-lg)}
.svc-card:hover{transform:translateY(-6px);box-shadow:var(--sh-hero)}
.svc-card--feat{border:2px solid var(--green);background:rgba(231,246,243,.42)}
.ribbon{position:absolute;top:0;right:1.6rem;transform:translateY(-50%);background:var(--grad-brand);color:#fff;
  font-size:.7rem;font-weight:700;letter-spacing:.04em;padding:.35rem .85rem;border-radius:var(--pill);box-shadow:var(--sh-cta)}
.svc-card__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:1.2rem}
.tag{font-size:.72rem;font-weight:700;padding:.4rem .8rem;border-radius:var(--pill);background:rgba(7,159,160,.1);color:var(--teal-d)}
.tag--green{background:rgba(47,177,131,.14);color:var(--green-verify)}
.svc-card h3{font-size:1.4rem;margin-bottom:.6rem}
.svc-card>p{color:var(--body);margin-bottom:1.3rem;font-size:.95rem}
.svc-card__list{margin-bottom:1.3rem}
.svc-card__list li{display:flex;align-items:center;gap:.6rem;padding:.5rem 0;font-size:.92rem;color:var(--ink-strong);border-bottom:1px solid var(--border-soft)}
.svc-card__list .msi{font-size:1.2rem;color:var(--green);font-variation-settings:'FILL' 1}
.svc-card__uses{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.5rem}
.svc-card__uses span{display:inline-flex;align-items:center;gap:.35rem;font-size:.78rem;font-weight:600;
  background:rgba(255,255,255,.6);border:1px solid var(--glass-bd);color:var(--sub);padding:.4rem .75rem;border-radius:var(--pill)}
.svc-card__uses .msi{font-size:1rem;color:var(--teal)}

/* ---------- journey ---------- */
.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.journey__step{padding:1.8rem 1.5rem;position:relative;transition:transform .3s}
.journey__step:hover{transform:translateY(-5px)}
.journey__num{font-family:var(--font-head);font-weight:800;font-size:1.6rem;letter-spacing:-.03em;
  color:var(--green);margin-bottom:.7rem}
.journey__step h3{font-size:1.1rem;margin-bottom:.5rem}
.journey__step p{font-size:.9rem;color:var(--body)}
.journey__step:not(:last-child)::after{content:"arrow_forward";font-family:'Material Symbols Outlined';
  position:absolute;top:2rem;right:-1.05rem;color:var(--hair);font-size:1.3rem;z-index:2}

/* ---------- AI section ---------- */
.ai__grid{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center}
.ai__feats{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin-top:1.8rem}
.ai__feat{display:flex;gap:.9rem}
.ai__feat h4{margin-bottom:.25rem;color:var(--ink-head)}
.ai__feat p{font-size:.86rem;color:var(--body)}

.ai__panel{display:grid;place-items:center}
.match-demo{width:min(420px,100%);padding:1.6rem;border-radius:var(--radius-lg);background:rgba(255,255,255,.55)}
.match-demo__head{display:flex;justify-content:space-between;align-items:center;font-family:var(--font-head);font-weight:800;font-size:.9rem;color:var(--ink);margin-bottom:1.1rem}
.match-demo__head .msi{color:var(--teal);font-size:1.2rem;margin-right:.3rem}
.live{display:inline-flex;align-items:center;gap:.35rem;color:var(--green-verify);font-size:.75rem;font-weight:700}
.live__dot{width:7px;height:7px;border-radius:50%;background:var(--green);animation:pulse-dot 1.6s infinite}
@keyframes pulse-dot{0%{box-shadow:0 0 0 0 rgba(47,177,131,.5)}70%{box-shadow:0 0 0 6px rgba(47,177,131,0)}100%{box-shadow:0 0 0 0 rgba(47,177,131,0)}}
.match-demo__profile{display:flex;align-items:center;gap:.8rem;padding:.9rem;background:rgba(255,255,255,.55);border:1px solid var(--glass-bd);border-radius:16px;margin-bottom:1.1rem}
.mdp__avatar{width:42px;height:42px;border-radius:12px;background:var(--grad-brand);color:#fff;display:grid;place-items:center;font-family:var(--font-head);font-weight:800;flex-shrink:0}
.match-demo__profile b{display:block;font-family:var(--font-head);font-size:.92rem;color:var(--ink)}
.match-demo__profile span{font-size:.74rem;color:var(--muted)}
.mdp__ok{margin-left:auto;color:var(--green);font-size:1.4rem}
.match-list{display:flex;flex-direction:column;gap:.55rem}
.match-row{display:grid;grid-template-columns:1fr auto auto;gap:.8rem;align-items:center;padding:.75rem .9rem;
  background:rgba(255,255,255,.5);border:1px solid var(--glass-bd);border-radius:14px;font-size:.9rem;
  transition:.25s;opacity:0;transform:translateX(12px)}
.match-row.in{opacity:1;transform:translateX(0)}
.match-row:hover{border-color:var(--teal);background:rgba(7,159,160,.06)}
.ml__bank{font-family:var(--font-head);font-weight:700;color:var(--ink)}
.ml__rate{color:var(--body);font-size:.84rem}
.ml__score{font-family:var(--font-head);font-weight:800;padding:.2rem .55rem;border-radius:8px;font-size:.8rem}
.ml__score.high{background:rgba(47,177,131,.16);color:var(--green-verify)}
.ml__score.mid{background:rgba(221,138,11,.14);color:var(--amber)}
.match-demo__foot{font-size:.74rem;color:var(--muted);text-align:center;margin-top:1rem}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:2.5rem;max-width:940px;margin:0 auto;align-items:start}
.calc__controls{padding-top:.5rem}
.calc__field{margin-bottom:2rem}
.calc__label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.8rem}
.calc__label label{font-weight:600;color:#bcd8d3;font-size:.92rem}
.calc__label output{font-family:var(--font-head);font-weight:800;font-size:1.2rem;color:#fff}
.calc__range{display:flex;justify-content:space-between;font-size:.72rem;color:#7fa8a3;margin-top:.4rem}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;
  background:rgba(255,255,255,.18);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:#fff;border:5px solid var(--green);cursor:pointer;box-shadow:0 4px 12px rgba(47,177,131,.5);transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:5px solid var(--green);cursor:pointer}
.calc__result{background:rgba(255,255,255,.95);color:var(--ink);border-radius:var(--radius-lg);padding:1.9rem;text-align:center;display:flex;flex-direction:column;box-shadow:var(--sh-hero)}
.calc__emi span{font-size:.85rem;color:var(--muted)}
.calc__emi strong{display:block;font-family:var(--font-head);font-size:2.6rem;letter-spacing:-.03em;color:var(--teal);line-height:1.1}
.calc__donut{display:flex;align-items:center;gap:1rem;justify-content:center;margin:1.2rem 0}
.donut-track{fill:none;stroke:rgba(120,150,148,.18);stroke-width:14}
.donut-fill{fill:none;stroke:var(--teal);stroke-width:14;stroke-linecap:round;transform:rotate(-90deg);transform-origin:center;transition:stroke-dasharray .5s var(--ease)}
.calc__legend{text-align:left;font-size:.82rem}
.calc__legend span{display:flex;align-items:center;gap:.4rem;margin-bottom:.4rem;color:var(--body)}
.calc__legend b{font-family:var(--font-head);color:var(--ink)}
.dot{width:11px;height:11px;border-radius:3px;flex-shrink:0}
.dot--p{background:var(--teal)}
.dot--i{background:rgba(120,150,148,.3)}
.calc__total{display:flex;justify-content:space-between;padding:.9rem 0;margin:.5rem 0 1.1rem;border-top:1px dashed var(--border);font-size:.95rem;color:var(--sub)}
.calc__total strong{font-family:var(--font-head);color:var(--ink)}
.calc__note{font-size:.72rem;color:var(--muted);margin-top:.9rem}

/* ---------- tracker ---------- */
.track__grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.track__form{display:flex;gap:.7rem;margin-top:1.6rem;max-width:26rem}
.track__form input{flex:1;padding:.85rem 1rem;background:rgba(255,255,255,.6);border:1px solid var(--glass-bd);border-radius:var(--radius);font-size:.95rem;font-family:inherit;color:var(--ink)}
.track__form input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(7,159,160,.16)}
.track__hint{margin-top:.8rem;font-size:.85rem;color:var(--muted)}
.linkbtn{color:var(--teal);font-weight:700;text-decoration:underline;font-size:.85rem}
.tracker{min-height:340px;padding:1.8rem;border-radius:var(--radius-lg)}
.tracker__empty{display:grid;place-items:center;height:280px;text-align:center;color:var(--muted)}
.tracker__empty-ic{font-size:2.8rem;margin-bottom:.6rem;color:var(--teal);opacity:.5}
.tracker__meta{display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem;padding-bottom:1.3rem;border-bottom:1px solid var(--border);margin-bottom:1.4rem}
.tracker__meta span{font-size:.68rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);display:block;margin-bottom:.2rem}
.tracker__meta b{font-family:var(--font-head);font-size:.95rem;color:var(--ink)}
.steps li{display:flex;gap:1rem;padding-bottom:1.5rem;position:relative}
.steps li:last-child{padding-bottom:0}
.steps li::before{content:"";position:absolute;left:16px;top:34px;bottom:-2px;width:2px;background:rgba(120,150,148,.25)}
.steps li:last-child::before{display:none}
.steps li.done::before{background:var(--green)}
.step__dot{width:34px;height:34px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;font-size:.85rem;font-weight:800;
  background:rgba(255,255,255,.7);color:var(--muted);border:1.5px solid rgba(120,150,148,.3);z-index:1}
.step__dot .msi{font-size:1.15rem}
.steps li.done .step__dot{background:var(--green);color:#fff;border-color:var(--green)}
.steps li.active .step__dot{background:var(--dark-ink);color:#fff;border-color:var(--dark-ink);animation:pulse 1.8s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(15,42,43,.35)}70%{box-shadow:0 0 0 9px rgba(15,42,43,0)}100%{box-shadow:0 0 0 0 rgba(15,42,43,0)}}
.step__body b{font-family:var(--font-head);font-size:.95rem;display:block;color:var(--ink)}
.step__body span{font-size:.8rem;color:var(--muted)}
.tracker__foot{margin-top:1.2rem;padding:.9rem 1.1rem;background:rgba(47,177,131,.1);border-radius:14px;font-size:.85rem;color:var(--green-verify);font-weight:600;display:flex;align-items:center;gap:.5rem}
.tracker__foot .msi{font-size:1.15rem}

/* ---------- partners ---------- */
.partners__cols{display:grid;grid-template-columns:1fr 1fr;gap:1.8rem;margin-bottom:2.5rem}
.partners__col{padding:2rem;border-radius:var(--radius-lg)}
.partners__col .icon-tile{margin-bottom:1rem}
.partners__col h3{font-size:1.3rem;margin-bottom:.6rem}
.partners__col>p{color:var(--body);margin-bottom:1.2rem;font-size:.93rem}
.checklist{margin-bottom:1.5rem}
.checklist li{display:flex;align-items:center;gap:.6rem;padding:.5rem 0;font-size:.9rem;color:var(--ink-strong)}
.checklist .msi{font-size:1.05rem;color:var(--green)}
.partner-logos{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center}
.partner-logos span{font-family:var(--font-head);font-weight:700;color:var(--caption);padding:.7rem 1.4rem;
  background:rgba(255,255,255,.5);border:1px solid var(--glass-bd);border-radius:14px;font-size:.9rem}

/* ---------- security ---------- */
.security__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.sec-card{padding:1.6rem;border-radius:var(--radius-md);transition:transform .3s,box-shadow .3s}
.sec-card:hover{transform:translateY(-4px);box-shadow:var(--sh-hero)}
.sec-card .icon-tile{margin-bottom:.9rem}
.sec-card h4{margin-bottom:.35rem;color:var(--ink-head)}
.sec-card p{font-size:.88rem;color:var(--body)}

/* ---------- reviews ---------- */
.rating{display:flex;align-items:center;gap:.6rem;justify-content:center;margin-top:1rem}
.rating__stars{display:inline-flex;color:var(--amber)}
.rating__stars .msi{font-size:1.2rem}
.rating__text{font-size:.92rem;color:var(--body)}
.rating__text b{color:var(--ink);font-family:var(--font-head)}
.reviews__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem}
.review{padding:1.8rem;border-radius:var(--radius-lg);display:flex;flex-direction:column;gap:1rem}
.review__stars{display:inline-flex;color:var(--amber)}
.review__stars .msi{font-size:1.1rem}
.review blockquote{font-size:1rem;color:var(--ink-strong);line-height:1.6}
.review figcaption{display:flex;align-items:center;gap:.7rem;margin-top:auto}
.review__av{width:42px;height:42px;border-radius:50%;background:var(--grad-brand);color:#fff;display:grid;place-items:center;font-family:var(--font-head);font-weight:700;font-size:.9rem}
.review figcaption b{font-family:var(--font-head);display:block;font-size:.92rem;color:var(--ink)}
.review figcaption span{font-size:.78rem;color:var(--muted)}

/* ---------- apply / lead form ---------- */
.section--dark::before{content:"";position:absolute;top:-30%;right:-10%;width:520px;height:520px;
  background:radial-gradient(circle,rgba(47,177,131,.28),transparent 65%);z-index:0}
.apply__grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;position:relative;z-index:1}
.apply__copy h2{color:#fff}
.apply__copy .section__lead{color:#bcd8d3}
.apply__points{margin:1.6rem 0}
.apply__points li{display:flex;align-items:center;gap:.6rem;padding:.4rem 0;color:#dcefeb}
.apply__points .msi{color:var(--mint);font-size:1.2rem}
.apply__trust{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:14px;padding:.9rem 1.1rem;font-size:.85rem;color:#bcd8d3}
.apply__trust .msi{color:var(--mint)}
.apply__form{background:rgba(255,255,255,.96);color:var(--ink);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--sh-hero)}
.apply__form-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.4rem}
.apply__form-head h3{font-size:1.35rem}
.field{margin-bottom:1.1rem;display:flex;flex-direction:column}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.field label{font-size:.82rem;font-weight:600;color:var(--sub);margin-bottom:.4rem}
.field input,.field select{padding:.8rem .95rem;background:rgba(255,255,255,.7);border:1px solid var(--hair);border-radius:var(--radius);font-size:.95rem;font-family:inherit;color:var(--ink);transition:border-color .18s,box-shadow .18s}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(7,159,160,.16);background:#fff}
.field input.invalid,.field select.invalid{border-color:var(--alert)}
.err{color:var(--alert);font-size:.78rem;margin-top:.3rem;display:block}
.consent{display:flex;gap:.7rem;align-items:flex-start;margin:.5rem 0 1.2rem;font-size:.82rem;color:var(--body);line-height:1.5}
.consent input{margin-top:.15rem;width:18px;height:18px;accent-color:var(--green);flex-shrink:0}
.consent a{color:var(--teal);text-decoration:underline}
.apply__disclaimer{font-size:.72rem;color:var(--legal);text-align:center;margin-top:.9rem}
/* when the form is submitted, hide the inputs and show only the success panel;
   fully reversible via the "Check another rate" reset button */
.apply__form.is-done > :not(#formSuccess){display:none!important}
.form-success{text-align:center;padding:1rem 0}
.form-success__reset{margin-top:1.2rem}
.form-success__ic{font-size:3.4rem;color:var(--green);margin-bottom:.6rem}
.form-success h3{margin-bottom:.5rem;font-size:1.4rem}
.form-success p{color:var(--body);font-size:.92rem}
.form-success a{color:var(--teal);text-decoration:underline}

/* ---------- faq ---------- */
.faq{max-width:46rem;margin:0 auto;display:flex;flex-direction:column;gap:.8rem}
.faq__item{border-radius:var(--radius-md);overflow:hidden;transition:box-shadow .3s}
.faq__item[open]{box-shadow:var(--sh-card)}
.faq__item summary{padding:1.2rem 1.4rem;font-family:var(--font-head);font-weight:800;font-size:1rem;color:var(--ink);
  cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;list-style:none}
.faq__item summary::-webkit-details-marker{display:none}
.faq__ic{color:var(--teal);font-size:1.4rem;transition:transform .3s;flex-shrink:0}
.faq__item[open] .faq__ic{transform:rotate(45deg)}
.faq__a{padding:0 1.4rem 1.3rem;color:var(--body);font-size:.94rem}

/* ---------- cta band ---------- */
.ctaband{position:relative;overflow:hidden;background:var(--grad-dark);border-radius:var(--radius-xl);padding:3rem;box-shadow:var(--sh-hero)}
.ctaband__glow{position:absolute;inset:0;background:radial-gradient(60% 120% at 100% 0%,rgba(47,177,131,.3),transparent 60%)}
.ctaband__inner{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;color:#fff}
.ctaband h2{color:#fff}
.ctaband p{color:#bcd8d3;margin-top:.5rem}

/* ---------- footer ---------- */
.footer{background:var(--dark-1);color:#9fc4bf;padding:3.5rem 0 2rem;position:relative}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.brand--footer{color:#fff;margin-bottom:1rem}
.brand--footer .brand__swift{color:var(--mint)}
.brand--footer .brand__ai{color:var(--green)}
.footer__brand p{font-size:.9rem;max-width:22rem;margin-bottom:1.2rem;line-height:1.6}
.footer__social{display:flex;gap:.7rem}
.footer__social a{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff;transition:background .2s}
.footer__social a:hover{background:var(--green)}
.footer__social .msi{font-size:1.2rem}
.footer__col h4{color:#fff;margin-bottom:1rem;font-size:.95rem}
.footer__col a{display:block;padding:.35rem 0;font-size:.9rem;color:#9fc4bf;transition:color .2s}
.footer__col a:hover{color:#fff}
.footer__disclaimer{padding-top:1.8rem}
.footer__disclaimer p{font-size:.76rem;line-height:1.6;color:#6d8f8b}
.footer__copyright{margin-top:1rem;color:#527471}

/* ---------- back to top ---------- */
.totop{position:fixed;bottom:24px;right:24px;width:52px;height:52px;border-radius:50%;background:var(--grad-brand);color:#fff;
  display:grid;place-items:center;box-shadow:var(--sh-cta);opacity:0;visibility:hidden;transform:translateY(10px);transition:.3s;z-index:90}
.totop .msi{font-size:1.4rem}
.totop.show{opacity:1;visibility:visible;transform:translateY(0)}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width:960px){
  .hero__grid{grid-template-columns:1fr;gap:2.5rem}
  .hero__visual{min-height:360px;order:-1}
  .ai__grid,.track__grid,.apply__grid,.calc{grid-template-columns:1fr;gap:2rem}
  .services__grid,.partners__cols{grid-template-columns:1fr}
  .journey{grid-template-columns:1fr 1fr}
  .journey__step:not(:last-child)::after{display:none}
  .security__grid,.reviews__grid{grid-template-columns:1fr 1fr}
  .stats__grid{grid-template-columns:1fr 1fr;gap:2rem}
  .footer__grid{grid-template-columns:1fr 1fr;gap:2rem}
  .ai__feats{grid-template-columns:1fr}
}

@media (max-width:720px){
  .nav__links{position:fixed;top:0;right:-100%;width:min(300px,82%);height:100vh;
    background:var(--warm);flex-direction:column;align-items:flex-start;justify-content:flex-start;
    padding:6rem 2rem 2rem;gap:1.3rem;box-shadow:var(--sh-hero);transition:right .35s var(--ease)}
  .nav__links.open{right:0}
  .nav__cta-mobile{display:inline-flex;width:100%;justify-content:center}
  .nav__toggle{display:flex}
  .langtoggle{display:none}
  .nav__actions .btn--primary{display:none}
  .nav.menu-open .nav__toggle span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .nav.menu-open .nav__toggle span:nth-child(2){opacity:0}
  .nav.menu-open .nav__toggle span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .hero__trust{gap:1.2rem}
  .hero__cta .btn{flex:1}
  .field-row{grid-template-columns:1fr}
  .security__grid,.reviews__grid,.journey{grid-template-columns:1fr}
  .stats__grid{grid-template-columns:1fr 1fr}
  .calc__donut{flex-direction:column}
  .ctaband__inner{flex-direction:column;text-align:center;align-items:center}
  .ctaband{padding:2rem}
  .footer__grid{grid-template-columns:1fr 1fr}
  .section__head{margin-bottom:2rem}
  .svc-card,.partners__col,.apply__form,.tracker,.match-demo{padding:1.5rem}
}

@media (max-width:440px){
  .container{padding:0 18px}
  .float-card--mini{display:none}
  .footer__grid{grid-template-columns:1fr}
  .fc__amount{font-size:2rem}
  .logostrip__row{gap:1rem}
}

@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
  .match-row{opacity:1;transform:none}
}