/* =========================================================
   Admission Advice — Education Loan landing page
   Brand tokens sampled from the logo: blue #255395, green #05542C, sky #558BC9
   ========================================================= */

:root {
  --blue: #255395;
  --blue-700: #1d4580;
  --blue-800: #163766;
  --navy: #0e2347;
  --navy-2: #132c57;
  --navy-3: #0b1c3a;
  --green: #05542c;
  --green-600: #0e7a3d;
  --green-300: #5cc98f;
  --sky: #558bc9;
  --sky-300: #9cc2ee;
  --sky-100: #e8f0fa;
  --tint: #f4f7fc;
  --green-tint: #eef8f0;
  --amber-tint: #fff5e6;
  --amber: #b86200;
  --amber-300: #f5b942;
  --ink: #0f1e36;
  --muted: #4a5872;
  --line: #dce5f2;
  --wa: #0e7a3d;
  --wa-hover: #0a6332;

  --font-head: "Poppins", "Mukta", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Mukta", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --radius-sm: 12px;
  --radius: 18px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(15, 30, 54, .05), 0 4px 14px -6px rgba(15, 30, 54, .10);
  --shadow-md: 0 2px 4px rgba(15, 30, 54, .04), 0 14px 32px -12px rgba(15, 30, 54, .18);
  --shadow-lg: 0 24px 60px -20px rgba(9, 22, 48, .45);
  --header-h: 64px;

  --check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Ccircle cx='8' cy='8' r='8' fill='%23e3f3e8'/%3E%3Cpath d='M4.6 8.3l2.2 2.2 4.6-4.8' fill='none' stroke='%2305542c' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  --check-blue: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Ccircle cx='8' cy='8' r='8' fill='%23e8f0fa'/%3E%3Cpath d='M4.6 8.3l2.2 2.2 4.6-4.8' fill='none' stroke='%23255395' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");

  /* Bootstrap mapping */
  --bs-body-font-family: var(--font-body);
  --bs-body-color: var(--ink);
  --bs-body-font-size: 1.0625rem;
  --bs-body-line-height: 1.7;
  --bs-primary: #255395;
  --bs-primary-rgb: 37, 83, 149;
  --bs-link-color: #255395;
  --bs-link-color-rgb: 37, 83, 149;
  --bs-link-hover-color: #163766;
  --bs-link-hover-color-rgb: 22, 55, 102;
  --bs-border-color: var(--line);
  --bs-focus-ring-color: rgba(85, 139, 201, .45);
}

@media (min-width: 992px) {
  :root { --header-h: 76px; }
}

/* ---------- Base ---------- */
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: #fff;
  overflow-wrap: break-word;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
h1, h2, h3, h4, .h5 { font-family: var(--font-head); color: var(--ink); line-height: 1.3; }
p { margin-bottom: .85rem; }
strong { font-weight: 700; }
a { color: var(--blue); text-underline-offset: 3px; }
img { max-width: 100%; height: auto; }
ul, ol { padding-left: 0; }

:focus-visible { outline: 3px solid var(--sky); outline-offset: 2px; }
.btn:focus-visible { box-shadow: 0 0 0 4px rgba(85, 139, 201, .45); outline: none; }

section[id], [id^="option-"], [id^="course-"], #emi-estimator { scroll-margin-top: calc(var(--header-h) + 14px); }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 2000;
  background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 10px;
  font-weight: 600; text-decoration: none; transition: top .2s;
}
.skip-link:focus { top: 12px; color: #fff; }

/* ---------- Buttons ---------- */
.btn {
  --bs-btn-font-weight: 600;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  min-height: 48px; padding: .7rem 1.35rem;
  font-family: var(--font-body); font-size: 1.0625rem; line-height: 1.25;
  border-radius: var(--radius-sm); text-align: center;
  transition: background-color .2s, color .2s, border-color .2s, box-shadow .2s, transform .2s;
}
.btn-lg { min-height: 54px; padding: .85rem 1.6rem; font-size: 1.125rem; border-radius: 14px; }
.btn:active { transform: translateY(1px); }

.btn-brand { background: var(--blue); border: 1px solid var(--blue); color: #fff; box-shadow: 0 10px 22px -10px rgba(37, 83, 149, .7); }
.btn-brand:hover, .btn-brand:focus-visible { background: var(--blue-800); border-color: var(--blue-800); color: #fff; }

.btn-wa { background: var(--wa); border: 1px solid var(--wa); color: #fff; box-shadow: 0 10px 22px -12px rgba(14, 122, 61, .8); }
.btn-wa:hover, .btn-wa:focus-visible { background: var(--wa-hover); border-color: var(--wa-hover); color: #fff; }

.btn-ghost-light { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .45); color: #fff; }
.btn-ghost-light:hover, .btn-ghost-light:focus-visible { background: rgba(255, 255, 255, .14); border-color: #fff; color: #fff; }

.btn-light-brand { background: #fff; border: 1px solid #fff; color: var(--blue); box-shadow: 0 12px 26px -14px rgba(0, 0, 0, .6); }
.btn-light-brand:hover, .btn-light-brand:focus-visible { background: var(--sky-100); border-color: var(--sky-100); color: var(--blue-800); }

.btn-icon { width: 44px; height: 44px; min-height: 44px; padding: 0; border-radius: 12px; font-size: 1.3rem; }
.btn-wa-soft { background: #e5f4ea; color: var(--wa); border: 1px solid #cfe9d8; }
.btn-wa-soft:hover, .btn-wa-soft:focus-visible { background: var(--wa); color: #fff; }
.btn-menu { background: var(--sky-100); color: var(--blue); border: 1px solid #d3e1f4; font-size: 1.5rem; }
.btn-menu:hover, .btn-menu:focus-visible { background: var(--blue); color: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 1030;
  background: rgba(255, 255, 255, .94);
  -webkit-backdrop-filter: saturate(1.4) blur(12px); backdrop-filter: saturate(1.4) blur(12px);
  border-bottom: 1px solid transparent;
  transition: box-shadow .25s, border-color .25s;
}
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 10px 30px -18px rgba(15, 30, 54, .35); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: var(--header-h); }
.brand { display: inline-flex; align-items: center; flex: none; min-height: 44px; }
.brand-logo { height: 40px; width: auto; }
@media (min-width: 992px) { .brand-logo { height: 50px; } }

.main-nav ul { display: flex; gap: 2px; list-style: none; margin: 0; padding: 0; }
.main-nav a {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 .8rem;
  border-radius: 10px; color: var(--ink); font-weight: 500; text-decoration: none; white-space: nowrap;
}
.main-nav a:hover, .main-nav a.active { color: var(--blue); background: var(--sky-100); }
.header-actions { display: flex; align-items: center; gap: 8px; }
@media (min-width: 992px) and (max-width: 1199.98px) { .main-nav a { padding: 0 .55rem; } }

/* Mobile offcanvas */
.mobile-nav { --bs-offcanvas-width: min(88vw, 360px); }
.mobile-nav .offcanvas-title { font-family: var(--font-head); font-weight: 600; }
.mobile-nav-list { list-style: none; margin: 0 0 1.25rem; padding: 0; }
.mobile-nav-list a {
  display: flex; align-items: center; gap: .75rem; min-height: 50px; padding: .4rem .75rem;
  color: var(--ink); font-weight: 500; text-decoration: none; border-radius: 12px;
}
.mobile-nav-list a i { color: var(--blue); font-size: 1.1rem; width: 1.4rem; text-align: center; }
.mobile-nav-list a:hover, .mobile-nav-list a:focus-visible { background: var(--sky-100); color: var(--blue); }
.mobile-nav-cta { display: grid; gap: 10px; padding-top: 1rem; border-top: 1px solid var(--line); }
.mobile-nav-home { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; color: var(--muted); text-decoration: none; font-weight: 500; }

/* ---------- Sections ---------- */
.section { padding: 64px 0; position: relative; }
.section-tight { padding: 24px 0 64px; }
@media (min-width: 768px) { .section { padding: 88px 0; } .section-tight { padding: 32px 0 88px; } }
@media (min-width: 1200px) { .section { padding: 104px 0; } }
.section-tint { background: var(--tint); }
.section-green { background: var(--green-tint); }
.section-navy {
  background:
    radial-gradient(60% 50% at 100% 0%, rgba(85, 139, 201, .28), transparent 65%),
    radial-gradient(45% 45% at 0% 100%, rgba(5, 84, 44, .35), transparent 70%),
    var(--navy);
  color: #fff;
}

.section-head { max-width: 820px; margin: 0 auto 2.5rem; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem; margin-bottom: .75rem;
  font-family: var(--font-head); font-size: .8125rem; font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase; color: var(--blue);
}
.eyebrow::before { content: ""; width: 22px; height: 2px; border-radius: 2px; background: currentColor; }
.eyebrow-light { color: var(--sky-300); }
.eyebrow-green { color: var(--green); }
.section-title { font-size: clamp(1.6rem, 1.15rem + 1.9vw, 2.5rem); font-weight: 700; margin-bottom: 1rem; }
.section-lead { font-size: 1.125rem; color: var(--muted); margin-bottom: 0; }
.lead-text { font-size: 1.125rem; color: var(--muted); }
.on-dark { color: rgba(255, 255, 255, .86); font-size: 1.0625rem; }
.note-line { color: var(--muted); border-left: 3px solid var(--sky); padding-left: .9rem; }

/* ---------- Generic components ---------- */
.card-soft { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 1.5rem; box-shadow: var(--shadow-sm); }
@media (min-width: 768px) { .card-soft { padding: 2rem; } }
.card-title-sm { font-size: 1.2rem; font-weight: 600; margin-bottom: 1.1rem; }

.icon-tile {
  display: inline-grid; place-items: center; flex: none;
  width: 48px; height: 48px; border-radius: 14px;
  background: var(--sky-100); color: var(--blue); font-size: 1.35rem;
}
.icon-tile-lg { width: 60px; height: 60px; border-radius: 18px; font-size: 1.7rem; background: var(--blue); color: #fff; box-shadow: 0 14px 26px -14px rgba(37, 83, 149, .9); }
.icon-tile-light { background: rgba(255, 255, 255, .14); color: #fff; }

.callout {
  display: flex; flex-direction: column; gap: 1rem; align-items: flex-start;
  margin-top: 2.25rem; padding: 1.4rem 1.5rem; border-radius: 20px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue-800) 100%); color: #fff;
  box-shadow: var(--shadow-md);
}
.callout p { color: rgba(255, 255, 255, .9); }
.callout strong { color: #fff; }
.callout-icon { font-size: 1.6rem; color: var(--sky-300); line-height: 1; }
.callout-btn { background: #fff; color: var(--blue); border-color: #fff; box-shadow: none; }
.callout-btn:hover, .callout-btn:focus-visible { background: var(--sky-100); border-color: var(--sky-100); color: var(--blue-800); }
.callout-soft { background: #fff; color: var(--ink); border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.callout-soft p { color: var(--ink); }
.callout-soft strong { color: var(--ink); }
.callout-soft .callout-icon { color: var(--blue); }
@media (min-width: 992px) {
  .callout { flex-direction: row; align-items: center; gap: 1.5rem; padding: 1.6rem 2rem; }
  .callout > div:nth-child(2) { flex: 1; }
  .callout-btn { flex: none; }
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; color: #fff; padding: 20px 0 64px; background: var(--navy); }
@media (min-width: 992px) { .hero { padding: 28px 0 104px; } }
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(55% 55% at 88% 8%, rgba(85, 139, 201, .5), transparent 62%),
    radial-gradient(45% 45% at 6% 96%, rgba(5, 84, 44, .6), transparent 70%),
    linear-gradient(135deg, #0e2347 0%, #163766 55%, #255395 100%);
}
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 10%, transparent 70%);
  mask-image: radial-gradient(ellipse at 70% 30%, #000 10%, transparent 70%);
}
.hero-breadcrumb {
  --bs-breadcrumb-divider-color: rgba(255, 255, 255, .55);
  --bs-breadcrumb-item-active-color: rgba(255, 255, 255, .78);
  align-items: center; margin-bottom: 1rem; font-size: .9375rem;
}
.hero-breadcrumb a { color: #fff; text-decoration: none; display: inline-flex; align-items: center; min-height: 44px; }
.hero-breadcrumb a:hover { text-decoration: underline; }
.hero-title { color: #fff; font-size: clamp(1.85rem, 1.15rem + 3.1vw, 3.3rem); font-weight: 700; line-height: 1.22; margin-bottom: 1.25rem; }
.hero-kicker {
  display: block; width: fit-content; max-width: 100%;
  margin-bottom: 1rem; padding: .4rem .9rem; border-radius: 999px;
  font-size: clamp(.8125rem, .76rem + .25vw, .9375rem); font-weight: 600; line-height: 1.45;
  color: var(--sky-300); background: rgba(156, 194, 238, .12); border: 1px solid rgba(156, 194, 238, .35);
}
.hero-lead { font-size: clamp(1.0625rem, 1rem + .35vw, 1.25rem); color: rgba(255, 255, 255, .92); }
.hero-lead strong { color: #fff; }
.hero-text { color: rgba(255, 255, 255, .85); }
.hero-options { list-style: none; margin: 0 0 1.1rem; display: grid; gap: .55rem; }
.hero-options li { display: flex; gap: .6rem; color: rgba(255, 255, 255, .9); }
.hero-options i { color: var(--green-300); font-size: 1.15rem; line-height: 1.5; flex: none; }
.hero-highlight {
  font-weight: 600; color: #fff; font-size: 1.0625rem;
  padding: .75rem 1rem; border-left: 3px solid var(--green-300);
  background: rgba(255, 255, 255, .07); border-radius: 0 12px 12px 0; margin-bottom: 1.5rem;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 1.5rem; }
.hero .btn-brand { background: #fff; color: var(--blue); border-color: #fff; box-shadow: 0 16px 30px -16px rgba(0, 0, 0, .7); }
.hero .btn-brand:hover, .hero .btn-brand:focus-visible { background: var(--sky-100); border-color: var(--sky-100); color: var(--blue-800); }
@media (max-width: 575.98px) { .hero-ctas .btn { width: 100%; } }
.hero-chips { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; margin: 0; }
.hero-chips li {
  padding: .3rem .8rem; border-radius: 999px; font-size: .9rem; font-weight: 600;
  background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .2); color: rgba(255, 255, 255, .92);
}

/* Funding snapshot */
.snapshot {
  position: relative; padding: 1.5rem; border-radius: var(--radius-lg);
  background: linear-gradient(160deg, rgba(255, 255, 255, .14), rgba(255, 255, 255, .05));
  border: 1px solid rgba(255, 255, 255, .2);
  -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px);
  box-shadow: var(--shadow-lg);
}
@media (min-width: 768px) { .snapshot { padding: 1.9rem; } }
.snapshot-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 1.1rem; }
.snapshot-title { font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; margin: 0; color: #fff; }
.snapshot-badge { font-size: .8125rem; font-weight: 600; padding: .25rem .65rem; border-radius: 999px; background: rgba(245, 185, 66, .16); color: #ffd98a; border: 1px solid rgba(245, 185, 66, .35); white-space: nowrap; }
.snapshot-total { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; margin-bottom: .75rem; color: rgba(255, 255, 255, .85); }
.snapshot-total strong { font-family: var(--font-head); font-size: clamp(1.6rem, 1.3rem + 1.2vw, 2.1rem); color: #fff; }
.snapshot-bar { display: flex; height: 14px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, .12); margin-bottom: 1rem; }
.snapshot-bar .seg { display: block; height: 100%; }
.seg-family { width: 16.67%; background: var(--green-300); }
.seg-loan { width: 83.33%; background: var(--sky-300); }
.snapshot-legend { display: grid; gap: .45rem; margin-bottom: 1rem; }
.snapshot-legend > div { display: flex; justify-content: space-between; gap: 12px; }
.snapshot-legend dt { font-weight: 500; color: rgba(255, 255, 255, .85); display: flex; align-items: center; gap: .5rem; }
.snapshot-legend dd { margin: 0; font-weight: 700; color: #fff; white-space: nowrap; }
.dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; flex: none; }
.dot-family { background: var(--green-300); }
.dot-loan { background: var(--sky-300); }
.snapshot-note {
  display: flex; align-items: center; gap: .5rem; margin-bottom: 1rem; padding: .6rem .85rem; border-radius: 12px;
  background: rgba(255, 255, 255, .1); font-family: var(--font-head); font-weight: 600; color: #fff;
}
.snapshot-note i { color: #ffd98a; }
.snapshot-checks { list-style: none; margin: 0 0 1.1rem; display: grid; gap: .45rem; }
.snapshot-checks li { display: flex; gap: .55rem; align-items: flex-start; color: rgba(255, 255, 255, .85); font-size: .98rem; }
.snapshot-checks i { color: var(--sky-300); line-height: 1.6; }
.snapshot-link { display: inline-flex; align-items: center; gap: .4rem; min-height: 44px; color: #fff; font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(255, 255, 255, .4); }
.snapshot-link:hover { color: var(--sky-300); border-color: var(--sky-300); }

/* ---------- Before loan ---------- */
.big-question { font-family: var(--font-head); font-weight: 700; font-size: clamp(1.3rem, 1.05rem + 1.05vw, 1.75rem); color: var(--blue); line-height: 1.35; margin-bottom: 1.25rem; }
.example-card { position: relative; padding: 1.25rem 1.25rem 1.1rem; border-radius: var(--radius); background: var(--sky-100); border-left: 4px solid var(--sky); }
.example-tag { display: inline-block; margin-bottom: .5rem; padding: .15rem .6rem; border-radius: 999px; font-size: .8rem; font-weight: 700; color: var(--blue); background: #fff; }
.num-list { list-style: none; counter-reset: n; margin: 0 0 1.25rem; display: grid; gap: .6rem; }
.num-list li { counter-increment: n; display: flex; gap: .85rem; align-items: flex-start; padding: .65rem .8rem; border-radius: 14px; background: var(--tint); }
.num-list li::before {
  content: counter(n); flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 10px;
  background: var(--blue); color: #fff; font-family: var(--font-head); font-weight: 600; font-size: .9rem; margin-top: 1px;
}
.checklist-foot { font-weight: 600; color: var(--green); padding-top: 1rem; border-top: 1px dashed var(--line); }

/* ---------- Situations ---------- */
.situation-grid { list-style: none; margin: 0; display: grid; gap: 14px; }
@media (min-width: 768px) { .situation-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; } }
.situation-card {
  display: flex; gap: 1rem; align-items: center; padding: 1rem 1.15rem; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.situation-card p { margin: 0; font-weight: 500; }
.situation-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: #c8d7ee; }

/* ---------- Embedded form ---------- */
.form-intro { margin-bottom: 2rem; }
.query-hint { padding: 1.25rem 1.3rem; border-radius: var(--radius); background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .16); }
.query-hint-title { font-weight: 600; color: #fff; display: flex; gap: .5rem; margin-bottom: .75rem; }
.query-hint-title i { color: var(--green-300); }
.query-hint ul { list-style: none; margin: 0; display: grid; gap: .4rem; }
.query-hint li { position: relative; padding-left: 1.4rem; color: rgba(255, 255, 255, .92); }
.query-hint li::before { content: ""; position: absolute; left: 0; top: .62em; width: 8px; height: 8px; border-radius: 50%; background: var(--green-300); }
.query-hint li span { color: rgba(255, 255, 255, .68); font-size: .95rem; }

.form-embed { border-radius: var(--radius-lg); overflow: hidden; background: #151c2b; border: 1px solid rgba(255, 255, 255, .14); box-shadow: 0 30px 70px -30px rgba(0, 0, 0, .8); }
.form-embed-bar { display: flex; flex-wrap: wrap; align-items: center; gap: .4rem .75rem; padding: .8rem 1.1rem; background: rgba(255, 255, 255, .06); border-bottom: 1px solid rgba(255, 255, 255, .1); }
.form-embed-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--green-300); box-shadow: 0 0 0 4px rgba(92, 201, 143, .2); }
.form-embed-title { margin: 0; font-family: var(--font-head); font-weight: 600; color: #fff; font-size: 1rem; }
.form-embed-meta { margin-left: auto; font-size: .875rem; color: rgba(255, 255, 255, .72); display: inline-flex; gap: .4rem; align-items: center; }
.form-embed-frame { position: relative; background: #1b2232; }
.form-embed-frame iframe, .js-form-frame { position: relative; z-index: 1; display: block; width: 100%; height: 1900px; border: 0; }
@media (min-width: 992px) { .form-embed-frame iframe, .js-form-frame { height: 1140px; } }
.form-embed-loading {
  position: absolute; inset: 0; z-index: 0; display: flex; flex-direction: column; align-items: center; justify-content: flex-start;
  gap: .75rem; padding-top: 140px; color: rgba(255, 255, 255, .75); font-weight: 500;
}
.form-embed-loading .spinner-border { color: var(--sky-300); width: 2.25rem; height: 2.25rem; border-width: .22em; }
.is-loaded > .form-embed-loading { opacity: 0; visibility: hidden; transition: opacity .3s, visibility .3s; }
@media (max-width: 575.98px) {
  .form-section .form-embed { margin-inline: calc(var(--bs-gutter-x) * -.5); border-radius: 0; border-left: 0; border-right: 0; }
  .form-embed-meta { margin-left: 0; width: 100%; }
}
.form-foot { display: flex; flex-direction: column; gap: 1rem; align-items: flex-start; margin-top: 1.25rem; }
.disclaimer { margin: 0; font-size: .9375rem; color: rgba(255, 255, 255, .78); display: flex; gap: .5rem; }
.disclaimer i { color: var(--sky-300); line-height: 1.6; }
@media (min-width: 992px) {
  .form-foot { flex-direction: row; align-items: center; justify-content: space-between; gap: 2rem; }
  .form-foot .btn { flex: none; }
}

/* ---------- Funding options ---------- */
.option-feature {
  padding: 1.5rem; margin-bottom: 1.5rem; border-radius: 26px;
  background: linear-gradient(135deg, #eef3fb 0%, #ffffff 60%); border: 1px solid var(--line); box-shadow: var(--shadow-md);
}
@media (min-width: 992px) { .option-feature { padding: 2.5rem; } }
.option-title { font-size: 1.25rem; font-weight: 600; margin: 1rem 0 .75rem; }
.option-feature .option-title { font-size: clamp(1.4rem, 1.2rem + .8vw, 1.75rem); font-weight: 700; }
.feature-checks { height: 100%; padding: 1.4rem; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.feature-checks-title { font-size: 1.1rem; font-weight: 600; margin-bottom: 1rem; }
.tick-grid { list-style: none; margin: 0; display: grid; gap: .55rem 1.25rem; }
@media (min-width: 576px) { .tick-grid { grid-template-columns: repeat(2, 1fr); } }
.tick-grid li, .mini-ticks li, .doc-list li {
  padding-left: 1.85rem; background: var(--check) no-repeat left .2em / 1.25rem 1.25rem; font-weight: 500;
}
.tick-grid li { padding-top: .1rem; padding-bottom: .1rem; }

.option-grid { display: grid; gap: 16px; }
@media (min-width: 768px) { .option-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; } }
@media (min-width: 1200px) { .option-grid { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
.option-card {
  display: flex; flex-direction: column; padding: 1.5rem; border-radius: 22px;
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.option-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #c8d7ee; }
.option-card p { color: var(--muted); }
.option-note { margin-top: auto; margin-bottom: 0; padding: .8rem .95rem; border-radius: 14px; background: var(--tint); color: var(--ink) !important; font-weight: 500; border-left: 3px solid var(--sky); }
.mini-label { font-weight: 700; color: var(--ink) !important; margin-bottom: .5rem; }
.mini-ticks { list-style: none; margin: 0; display: grid; gap: .35rem; }

/* ---------- Lowest rate ---------- */
.loan-vs { display: grid; gap: 14px; align-items: stretch; }
@media (min-width: 768px) { .loan-vs { grid-template-columns: 1fr auto 1fr; gap: 20px; align-items: center; } }
.loan-card { height: 100%; padding: 1.5rem; border-radius: 22px; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.loan-card-label { font-family: var(--font-head); font-weight: 700; font-size: 1.15rem; color: var(--blue); margin-bottom: .75rem; }
.loan-tags { list-style: none; margin: 0 0 1rem; display: flex; flex-wrap: wrap; gap: 8px; }
.loan-tags li { display: inline-flex; align-items: center; gap: .35rem; padding: .3rem .7rem; border-radius: 999px; font-size: .92rem; font-weight: 600; }
.tag-good { background: var(--green-tint); color: var(--green); }
.tag-risk { background: var(--amber-tint); color: var(--amber); }
.tag-neutral { background: var(--sky-100); color: var(--blue); }
.loan-vs-badge {
  justify-self: center; display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); color: #fff; font-family: var(--font-head); font-weight: 700; box-shadow: var(--shadow-md);
}
.vs-conclusion {
  max-width: 760px; margin: 2rem auto; text-align: center;
  font-family: var(--font-head); font-weight: 600; font-size: clamp(1.1rem, 1rem + .6vw, 1.4rem); color: var(--ink);
}
.pill-list { list-style: none; margin: 0 0 1.5rem; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.pill-list li { padding: .45rem .95rem .45rem 2.1rem; border-radius: 999px; background: var(--tint) var(--check-blue) no-repeat .7rem center / 1.1rem 1.1rem; border: 1px solid var(--line); font-weight: 500; }

/* ---------- MBBS ---------- */
.quote-chip {
  margin: 0 0 1rem; padding: .9rem 1.1rem; border-radius: 16px;
  background: var(--sky-100); border-left: 4px solid var(--blue);
  font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; color: var(--blue-800);
}
.mbbs-story { margin-top: 1.25rem; padding: 1.15rem 1.25rem; border-radius: var(--radius); background: var(--tint); border: 1px solid var(--line); }
.mbbs-story p { color: var(--muted); }
.calc-grid { list-style: none; margin: 0; display: grid; gap: 10px; }
@media (min-width: 576px) { .calc-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1200px) { .calc-grid { grid-template-columns: repeat(3, 1fr); } }
.calc-grid li { display: flex; align-items: center; gap: .65rem; padding: .7rem .8rem; border-radius: 14px; background: var(--tint); font-weight: 500; line-height: 1.35; }
.calc-grid i { display: grid; place-items: center; width: 34px; height: 34px; flex: none; border-radius: 10px; background: #fff; color: var(--blue); border: 1px solid var(--line); }
.pull-quote {
  position: relative; margin: 1.5rem 0; padding: 1.6rem 1.5rem 1.4rem; border-radius: 22px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%); color: #fff; box-shadow: var(--shadow-md);
}
.pull-quote::before { content: "“"; position: absolute; top: -.15em; right: .35em; font-family: Georgia, serif; font-size: 6rem; line-height: 1; color: rgba(255, 255, 255, .14); }
.pull-quote blockquote { margin: 0 0 .75rem; }
.pull-quote blockquote p { font-family: var(--font-head); font-weight: 600; font-size: clamp(1.1rem, 1rem + .55vw, 1.35rem); margin-bottom: .35rem; color: #fff; }
.pull-quote figcaption { color: var(--sky-300); font-weight: 600; }

/* ---------- Courses ---------- */
.course-grid { display: grid; gap: 16px; }
@media (min-width: 576px) { .course-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 992px) { .course-grid { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
.course-card { padding: 1.5rem; border-radius: 22px; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); transition: transform .25s, box-shadow .25s; }
.course-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.course-card h3 { font-size: 1.2rem; font-weight: 600; margin: 1rem 0 .55rem; }
.course-card p { margin: 0; color: var(--muted); }

/* ---------- Eligibility ---------- */
.factor-grid { list-style: none; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.factor-grid li { padding: .5rem 1rem .5rem 2.2rem; border-radius: 12px; background: var(--tint) var(--check-blue) no-repeat .75rem center / 1.1rem 1.1rem; border: 1px solid var(--line); font-weight: 500; }

/* ---------- Documents ---------- */
.doc-grid { display: grid; gap: 16px; }
@media (min-width: 768px) { .doc-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; } .doc-card-wide { grid-column: span 2; } }
@media (min-width: 1200px) { .doc-grid { grid-template-columns: repeat(3, 1fr); } }
.doc-card { padding: 1.4rem 1.5rem; border-radius: 22px; background: #fff; border: 1px solid #d5eadb; box-shadow: var(--shadow-sm); }
.doc-card h3 { display: flex; align-items: center; gap: .6rem; font-size: 1.12rem; font-weight: 600; margin-bottom: 1rem; }
.doc-card h3 i { display: grid; place-items: center; width: 40px; height: 40px; flex: none; border-radius: 12px; background: var(--green-tint); color: var(--green); font-size: 1.15rem; }
.doc-list { list-style: none; margin: 0; display: grid; gap: .45rem; }

/* ---------- Moratorium + estimator ---------- */
.warn-card { padding: 1rem 1.15rem; border-radius: 14px; background: var(--amber-tint); border-left: 4px solid var(--amber); }
.q-list { list-style: none; counter-reset: q; margin: 0 0 1.5rem; display: grid; gap: .5rem; }
.q-list li { counter-increment: q; display: flex; gap: .75rem; align-items: flex-start; font-weight: 500; }
.q-list li::before {
  content: counter(q); flex: none; display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%;
  background: var(--sky-100); color: var(--blue); font-family: var(--font-head); font-weight: 600; font-size: .85rem; margin-top: 2px;
}

.estimator { padding: 1.25rem; border-radius: 26px; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-md); }
@media (min-width: 768px) { .estimator { padding: 2rem; } }
.estimator-head { display: flex; gap: 1rem; align-items: center; margin: -1.25rem -1.25rem 1.5rem; padding: 1.25rem; border-radius: 26px 26px 0 0; background: linear-gradient(135deg, var(--navy), var(--blue)); color: #fff; }
@media (min-width: 768px) { .estimator-head { margin: -2rem -2rem 1.75rem; padding: 1.5rem 2rem; } }
.estimator-head h3 { color: #fff; font-size: 1.3rem; font-weight: 700; margin: 0 0 .15rem; }
.estimator-head p { margin: 0; color: rgba(255, 255, 255, .82); font-size: .98rem; }
.est-field { margin-bottom: 1.15rem; }
.est-label-row { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; margin-bottom: .35rem; }
.est-label-row label { font-weight: 600; }
.est-label-row output { font-family: var(--font-head); font-weight: 600; color: var(--blue); white-space: nowrap; font-variant-numeric: tabular-nums; }
.est-split { display: grid; gap: 0 1.5rem; }
@media (min-width: 576px) { .est-split { grid-template-columns: 1fr 1fr; } }
.form-range { height: 2.75rem; }
.form-range::-webkit-slider-runnable-track { height: .45rem; background: var(--sky-100); border-radius: 999px; }
.form-range::-webkit-slider-thumb { width: 1.5rem; height: 1.5rem; margin-top: -.53rem; background: var(--blue); border: 3px solid #fff; box-shadow: 0 2px 8px rgba(15, 30, 54, .35); }
.form-range::-moz-range-track { height: .45rem; background: var(--sky-100); border-radius: 999px; }
.form-range::-moz-range-thumb { width: 1.2rem; height: 1.2rem; background: var(--blue); border: 3px solid #fff; box-shadow: 0 2px 8px rgba(15, 30, 54, .35); }
.form-range:focus::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(85, 139, 201, .45); }
.form-range:focus::-moz-range-thumb { box-shadow: 0 0 0 4px rgba(85, 139, 201, .45); }
.est-switch { display: flex; align-items: center; gap: .75rem; min-height: 44px; padding-left: 0; margin: .25rem 0 .25rem; }
.est-switch .form-check-input { width: 3rem; height: 1.6rem; margin: 0; float: none; flex: none; cursor: pointer; }
.est-switch .form-check-input:checked { background-color: var(--green-600); border-color: var(--green-600); }
.est-switch .form-check-label { font-weight: 600; cursor: pointer; }
.est-rate-note { font-size: .875rem; color: var(--muted); margin: 0 0 1.25rem; }

.est-results { padding: 1.25rem; border-radius: 20px; background: linear-gradient(140deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; }
.est-result span { display: block; font-size: .9rem; color: rgba(255, 255, 255, .75); }
.est-result strong { display: block; font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; color: #fff; font-variant-numeric: tabular-nums; }
.est-result-main { padding-bottom: 1rem; margin-bottom: 1rem; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.est-result-main strong { font-size: clamp(1.9rem, 1.5rem + 1.6vw, 2.6rem); font-weight: 700; color: #fff; line-height: 1.15; }
.est-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.1rem; }
.est-bar { display: flex; height: 12px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, .12); margin-bottom: .75rem; }
.est-bar span { display: block; height: 100%; transition: width .35s ease; }
.est-bar-principal { background: var(--sky-300); width: 42%; }
.est-bar-mor { background: var(--amber-300); width: 21%; }
.est-bar-int { background: var(--green-300); width: 37%; }
.est-legend { list-style: none; margin: 0; display: flex; flex-wrap: wrap; gap: .35rem 1rem; font-size: .875rem; color: rgba(255, 255, 255, .8); }
.est-legend li { display: inline-flex; align-items: center; gap: .4rem; }
.dot-principal { background: var(--sky-300); }
.dot-mor { background: var(--amber-300); }
.dot-int { background: var(--green-300); }
.est-disclaimer { margin: 1rem 0 0; font-size: .875rem; color: var(--muted); }

/* ---------- Sanction vs disbursement ---------- */
.contrast-grid { display: grid; gap: 12px; align-items: stretch; }
@media (min-width: 768px) { .contrast-grid { grid-template-columns: 1fr auto 1fr; gap: 20px; align-items: center; } }
.contrast-card { height: 100%; padding: 1.5rem; border-radius: 22px; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.contrast-card h3 { font-size: 1.25rem; font-weight: 700; margin: .9rem 0 .5rem; }
.contrast-step { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: var(--blue); color: #fff; font-family: var(--font-head); font-weight: 700; }
.contrast-arrow { justify-self: center; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--sky-100); color: var(--blue); font-size: 1.3rem; transform: rotate(90deg); }
@media (min-width: 768px) { .contrast-arrow { transform: none; } }

/* ---------- Process timeline ---------- */
.timeline { list-style: none; margin: 0; display: grid; gap: 14px; counter-reset: none; }
@media (min-width: 768px) { .timeline { grid-template-columns: repeat(2, 1fr); gap: 18px 24px; } }
.step { display: flex; gap: 1rem; align-items: flex-start; padding: 1.25rem; border-radius: 20px; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); position: relative; }
.step-num {
  flex: none; display: grid; place-items: center; width: 52px; height: 52px; border-radius: 16px;
  background: linear-gradient(135deg, var(--blue), var(--sky)); color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem;
}
.step h3 { font-size: 1.1rem; font-weight: 600; margin: .1rem 0 .35rem; }
.step p { margin: 0; color: var(--muted); }

/* ---------- Comparison table ---------- */
.scroll-hint { display: flex; align-items: center; gap: .5rem; justify-content: center; font-size: .9rem; color: var(--muted); margin-bottom: .6rem; }
.table-wrap { overflow-x: auto; border-radius: 20px; border: 1px solid var(--line); background: #fff; box-shadow: var(--shadow-sm); -webkit-overflow-scrolling: touch; }
.table-wrap:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; }
.compare-table { width: 100%; min-width: 680px; border-collapse: separate; border-spacing: 0; font-size: 1rem; }
.compare-table th, .compare-table td { padding: .9rem 1rem; border-bottom: 1px solid var(--line); vertical-align: top; text-align: left; }
.compare-table thead th { background: var(--navy); color: #fff; font-family: var(--font-head); font-weight: 600; font-size: .98rem; border-bottom: 0; }
.compare-table thead th.col-edu { background: var(--blue); }
.compare-table tbody th { font-weight: 700; color: var(--ink); background: #fff; }
.compare-table tbody tr:last-child th, .compare-table tbody tr:last-child td { border-bottom: 0; }
.compare-table tbody tr:nth-child(even) td, .compare-table tbody tr:nth-child(even) th { background: #fafcff; }
.compare-table td.col-edu { background: #eef4fc !important; font-weight: 600; color: var(--blue-800); }
.compare-table th:first-child { position: sticky; left: 0; z-index: 1; min-width: 128px; box-shadow: 1px 0 0 var(--line); }
.compare-table thead th:first-child { z-index: 2; }
.table-note { margin: 1rem 0 0; text-align: center; color: var(--muted); font-size: .95rem; }

/* ---------- Self check ---------- */
.selfcheck-progress { margin: .5rem 0 1.25rem; padding: 1rem 1.1rem; border-radius: 16px; background: var(--green-tint); border: 1px solid #d5eadb; }
.selfcheck-progress p { margin: .55rem 0 0; font-weight: 500; }
.selfcheck-meter { height: 10px; border-radius: 999px; background: #fff; overflow: hidden; }
.selfcheck-meter span { display: block; height: 100%; width: 0; border-radius: 999px; background: linear-gradient(90deg, var(--green-600), var(--green-300)); transition: width .3s ease; }
.selfcheck-list { list-style: none; margin: 0; display: grid; gap: 10px; }
@media (min-width: 768px) { .selfcheck-list { grid-template-columns: repeat(2, 1fr); gap: 12px; } }
.selfcheck-list label {
  display: flex; align-items: flex-start; gap: .75rem; height: 100%; min-height: 56px; padding: .85rem 1rem;
  border-radius: 16px; background: #fff; border: 1px solid var(--line); cursor: pointer; font-weight: 500;
  transition: background-color .2s, border-color .2s;
}
.selfcheck-list .form-check-input { width: 1.3rem; height: 1.3rem; margin: .2rem 0 0; flex: none; cursor: pointer; }
.selfcheck-list .form-check-input:checked { background-color: var(--green-600); border-color: var(--green-600); }
.selfcheck-list label:has(input:checked) { background: var(--green-tint); border-color: #b9dcc4; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative; overflow: hidden; display: grid; gap: 1.5rem; padding: 1.75rem 1.4rem; border-radius: 28px;
  background:
    radial-gradient(50% 70% at 100% 0%, rgba(85, 139, 201, .5), transparent 70%),
    radial-gradient(40% 60% at 0% 100%, rgba(5, 84, 44, .55), transparent 70%),
    linear-gradient(135deg, var(--navy) 0%, var(--blue-800) 100%);
  color: #fff; box-shadow: var(--shadow-lg);
}
@media (min-width: 992px) { .cta-band { grid-template-columns: 1.4fr 1fr; align-items: center; gap: 3rem; padding: 3rem; } }
.cta-band-text p { color: rgba(255, 255, 255, .86); }
.cta-band-actions { display: grid; gap: 12px; }
.cta-band-note { margin: .25rem 0 0; display: flex; gap: .5rem; align-items: center; color: rgba(255, 255, 255, .85); font-size: .95rem; }
.cta-band-note i { color: var(--green-300); }

/* ---------- FAQ ---------- */
.faq-aside { margin-top: 1.25rem; padding: 1.25rem; border-radius: 18px; background: #fff; border: 1px solid var(--line); }
.faq-aside p { font-weight: 600; margin-bottom: .75rem; }
@media (min-width: 992px) { .faq-sticky, .col-lg-4 > .faq-aside { position: sticky; top: calc(var(--header-h) + 24px); } }
.faq-accordion {
  --bs-accordion-bg: #fff;
  --bs-accordion-border-color: var(--line);
  --bs-accordion-border-radius: 16px;
  --bs-accordion-inner-border-radius: 15px;
  --bs-accordion-btn-padding-x: 1.15rem;
  --bs-accordion-btn-padding-y: 1rem;
  --bs-accordion-btn-color: var(--ink);
  --bs-accordion-active-color: var(--blue-800);
  --bs-accordion-active-bg: var(--sky-100);
  --bs-accordion-btn-focus-box-shadow: 0 0 0 3px rgba(85, 139, 201, .45);
  --bs-accordion-body-padding-x: 1.15rem;
  --bs-accordion-body-padding-y: 1rem;
}
.faq-accordion .accordion-item { margin-bottom: 12px; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; box-shadow: var(--shadow-sm); }
.faq-accordion .accordion-item:not(:first-of-type) { border-top: 1px solid var(--line); }
.faq-accordion .accordion-header { margin: 0; }
.faq-accordion .accordion-button { font-family: var(--font-head); font-weight: 600; font-size: 1.02rem; line-height: 1.45; min-height: 56px; }
.faq-accordion .accordion-body { color: var(--muted); font-size: 1.0625rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-3); color: rgba(255, 255, 255, .78); padding: 64px 0 0; }
.footer-brand { display: inline-flex; padding: .6rem .9rem; background: #fff; border-radius: 16px; margin-bottom: 1.1rem; }
.footer-brand img { height: 44px; width: auto; }
.footer-about { max-width: 360px; }
.footer-title { font-size: 1rem; font-weight: 600; color: #fff; margin-bottom: .75rem; }
.footer-links { list-style: none; margin: 0; }
.footer-links a { display: block; padding: .7rem 0; color: rgba(255, 255, 255, .78); text-decoration: none; line-height: 1.4; }
.footer-links a:hover, .footer-links a:focus-visible { color: #fff; text-decoration: underline; }
.social { list-style: none; margin: 0; display: flex; gap: 10px; }
.social a { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: rgba(255, 255, 255, .08); color: #fff; font-size: 1.15rem; text-decoration: none; transition: background-color .2s; }
.social a:hover, .social a:focus-visible { background: var(--blue); }
.footer-disclaimer { margin-top: 2.5rem; padding: 1.4rem 0; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .9375rem; }
.footer-disclaimer p { margin: 0; }
.footer-disclaimer strong { color: #fff; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: .5rem 1rem; padding: 1rem 0 1.5rem; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .9375rem; }
.footer-bottom p { margin: 0; }
.footer-bottom a { color: rgba(255, 255, 255, .85); display: inline-flex; align-items: center; min-height: 44px; }

/* ---------- Floating UI ---------- */
.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 1020;
  display: grid; grid-template-columns: 1fr 1.45fr; gap: 10px;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .97); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  box-shadow: 0 -10px 30px -14px rgba(15, 30, 54, .4); border-top: 1px solid var(--line);
  transition: transform .3s ease;
}
.mobile-bar .btn { min-height: 48px; padding: .55rem .75rem; font-size: 1rem; }
.mobile-bar.is-hidden { transform: translateY(130%); }
@media (max-width: 991.98px) { body { padding-bottom: calc(70px + env(safe-area-inset-bottom)); } }

.wa-fab {
  position: fixed; right: 24px; bottom: 24px; z-index: 1020; align-items: center; justify-content: center;
  width: 58px; height: 58px; border-radius: 50%; background: var(--wa); color: #fff; font-size: 1.65rem; text-decoration: none;
  box-shadow: 0 16px 30px -12px rgba(14, 122, 61, .8); transition: transform .2s, background-color .2s;
}
.wa-fab:hover, .wa-fab:focus-visible { background: var(--wa-hover); color: #fff; transform: translateY(-2px); }
.to-top {
  position: fixed; right: 30px; bottom: 96px; z-index: 1020; display: grid; place-items: center;
  width: 46px; height: 46px; border-radius: 14px; background: #fff; color: var(--blue); border: 1px solid var(--line);
  box-shadow: var(--shadow-md); text-decoration: none; font-size: 1.2rem;
  opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .25s, transform .25s, visibility .25s;
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
@media (max-width: 991.98px) {
  .to-top { right: 14px; bottom: calc(82px + env(safe-area-inset-bottom)); }
  .forms-in-view .to-top { opacity: 0; visibility: hidden; }
}

/* ---------- Modal ---------- */
.form-modal .modal-content { border: 0; border-radius: 22px; overflow: hidden; }
.form-modal .modal-header { align-items: flex-start; gap: 1rem; padding: 1rem 1.25rem; border-bottom: 1px solid var(--line); }
.form-modal .modal-title { font-family: var(--font-head); font-size: 1.15rem; font-weight: 700; margin: 0; }
.modal-sub { margin: .2rem 0 0; font-size: .9rem; color: var(--muted); }
.form-modal .btn-close { width: 44px; height: 44px; padding: 0; margin: -6px -6px 0 auto; background-size: .9rem; flex: none; }
.form-modal .modal-body { position: relative; display: flex; flex-direction: column; padding: 0; height: min(80vh, 1100px); background: #1b2232; }
.modal-frame { position: relative; z-index: 1; flex: 1 1 auto; width: 100%; min-height: 380px; border: 0; display: block; }
.form-modal .modal-footer { justify-content: flex-start; padding: .6rem 1.25rem; border-top: 1px solid var(--line); }
.modal-disclaimer { margin: 0; font-size: .8125rem; color: var(--muted); line-height: 1.5; }
@media (max-width: 767.98px) {
  .form-modal .modal-content { border-radius: 0; }
  .form-modal .modal-body { height: auto; flex: 1 1 auto; min-height: 0; }
}

/* ---------- Reveal (progressive: only hidden when JS runs) ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .55s ease, transform .55s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .js .reveal { opacity: 1; transform: none; }
  .situation-card:hover, .option-card:hover, .course-card:hover { transform: none; }
}

/* ---------- Small-screen polish ---------- */
@media (max-width: 575.98px) {
  .hero-title { font-size: clamp(1.7rem, 1.2rem + 3.2vw, 2.1rem); }
  .snapshot-total { flex-direction: column; align-items: flex-start; gap: 0; }
  .est-result-grid { grid-template-columns: 1fr; gap: .75rem; }
  .callout-btn, .cta-band-actions .btn { width: 100%; }
}
@media (max-width: 359.98px) {
  .brand-logo { height: 34px; }
  .header-actions { gap: 6px; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .mobile-bar, .wa-fab, .to-top, .form-embed, .modal, .hero-bg { display: none !important; }
  .hero, .section-navy, .cta-band { background: #fff !important; color: #000 !important; }
  .js .reveal { opacity: 1 !important; transform: none !important; }
}