/* =====================================================================
   Cardsbazzar — Pages: about, catalogue, drawer, forms, contact, loan, legal
   ===================================================================== */

/* About: card shelf */
.shelf { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); padding: 80px 0 0; align-items: end; }
.shelf > div { padding: 0 6px; }
.shelf .cc { transform-origin: 50% 100%; transition: transform var(--dur-slow) var(--ease-out); }
.shelf > div:nth-child(1) .cc { transform: rotate(-7deg) translateY(10px); }
.shelf > div:nth-child(2) .cc { transform: rotate(-3deg); }
.shelf > div:nth-child(3) .cc { transform: translateY(-14px); }
.shelf > div:nth-child(4) .cc { transform: rotate(3deg); }
.shelf > div:nth-child(5) .cc { transform: rotate(7deg) translateY(10px); }
.shelf > div:hover .cc { transform: translateY(-20px) rotate(0); }
.shelf-caption { display: flex; justify-content: space-between; gap: 8px 16px; margin: 32px 0 0; padding-top: 16px; border-top: 1px solid var(--border); font-family: var(--font-mono); font-size: 0.75rem; color: var(--text-tertiary); }
@media (max-width: 767.98px) {
  .shelf { grid-template-columns: repeat(3, minmax(0, 1fr)); padding-top: 56px; }
  .shelf > div:nth-child(4), .shelf > div:nth-child(5) { display: none; }
  .shelf-caption { flex-direction: column; }
}

/* About: purpose */
.purpose { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 32px 72px; }
.purpose__statement { font-family: var(--font-display); font-size: clamp(1.75rem, 1.3rem + 1.6vw, 2.6rem); line-height: 1.18; letter-spacing: -0.01em; color: var(--text-primary); margin-bottom: 32px; }
.purpose__statement em { color: var(--primary); }
.purpose__body { columns: 2; column-gap: 40px; color: var(--text-secondary); }
.purpose__body p { break-inside: avoid; }
@media (max-width: 991.98px) { .purpose { grid-template-columns: 1fr; } }
@media (max-width: 767.98px) { .purpose__body { columns: 1; } }

/* About: role lanes (Cardsbazzar vs issuer) */
.lanes { border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface); overflow: hidden; }
.lane { display: grid; grid-template-columns: 220px repeat(3, minmax(0, 1fr)); align-items: stretch; }
.lane + .lane { border-top: 1px solid var(--border); }
.lane__who { padding: 28px; border-right: 1px solid var(--border); display: flex; flex-direction: column; justify-content: center; gap: 12px; background: var(--background); }
.lane__who img { height: 34px; width: auto; border-radius: 5px; align-self: flex-start; }
.lane__who strong { font-size: 0.9375rem; }
.lane__who .issuer-mark { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: var(--radius-sm); border: 1px solid var(--border-strong); background: var(--surface); color: var(--text-secondary); font-size: 1.1rem; }
.lane__step { padding: 28px; position: relative; }
.lane__step + .lane__step { border-left: 1px dashed var(--border); }
.lane__step .num { display: block; margin-bottom: 10px; }
.lane__step h3 { font-size: 1rem; margin-bottom: 6px; }
.lane__step p { font-size: 0.875rem; color: var(--text-secondary); margin: 0; }
.lane__step.is-empty { background: repeating-linear-gradient(135deg, transparent 0 8px, rgba(26, 20, 18, 0.03) 8px 9px); }
.lane__step.is-handoff { z-index: 2; }
.lane__step.is-handoff::after {
  content: "\f138"; font-family: "bootstrap-icons"; position: absolute; left: 28px; bottom: -13px;
  width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-size: 0.75rem;
  background: var(--primary); color: var(--text-inverse); transform: rotate(90deg);
  box-shadow: 0 0 0 4px var(--surface);
}
@media (max-width: 991.98px) {
  .lane { grid-template-columns: 1fr; }
  .lane__who { border-right: 0; border-bottom: 1px solid var(--border); flex-direction: row; align-items: center; }
  .lane__step + .lane__step { border-left: 0; border-top: 1px dashed var(--border); }
  .lane__step.is-empty { display: none; }
  .lane__step.is-handoff::after { display: none; }
}

/* About: approach bento */
.bento { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.bento__cell { background: var(--background); padding: 32px; grid-column: span 3; display: flex; flex-direction: column; min-height: 230px; transition: background-color var(--dur) ease; }
.bento__cell:hover { background: var(--surface); }
.bento__cell--third { grid-column: span 2; }
.bento__cell--feature { grid-column: span 3; grid-row: span 2; background: var(--surface-dark); color: var(--text-inverse); }
.bento__cell--feature:hover { background: var(--surface-dark-2); }
.bento__cell--feature p { color: var(--text-inverse-2); }
.bento__cell--feature h3 { font-family: var(--font-display); font-weight: 400; font-size: clamp(2rem, 1.5rem + 1.4vw, 2.8rem); line-height: 1.05; }
.bento__cell .num { margin-bottom: auto; padding-bottom: 32px; }
.bento__cell--feature .num { color: var(--accent); }
.bento__cell h3 { margin-bottom: 8px; }
.bento__cell p { margin: 0; color: var(--text-secondary); font-size: 0.9375rem; max-width: 42ch; }
@media (max-width: 991.98px) {
  .bento { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .bento__cell, .bento__cell--third { grid-column: span 1; min-height: 200px; }
  .bento__cell--feature { grid-column: 1 / -1; grid-row: auto; min-height: 260px; }
}
@media (max-width: 575.98px) {
  .bento { grid-template-columns: 1fr; }
  .bento__cell { padding: 26px 22px; min-height: 0; }
  .bento__cell .num { padding-bottom: 20px; }
}

/* About: comparison table (dark) */
.compare { width: 100%; border-collapse: separate; border-spacing: 0; }
.compare th, .compare td { padding: 20px 24px; vertical-align: top; border-bottom: 1px solid var(--border-dark); text-align: left; }
.compare thead th { font-family: var(--font-mono); font-size: 0.75rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-inverse-2); border-bottom-color: rgba(247, 244, 239, 0.25); }
.compare thead th:last-child { color: var(--accent); }
.compare tbody th { font-weight: 600; color: var(--text-inverse); width: 26%; }
.compare td { color: var(--text-inverse-2); width: 37%; }
.compare td:last-child { color: var(--text-inverse); background: rgba(247, 244, 239, 0.03); }
@media (max-width: 767.98px) {
  .compare thead { display: none; }
  .compare, .compare tbody, .compare tr, .compare th, .compare td { display: block; width: 100% !important; }
  .compare tr { padding: 20px 0; border-bottom: 1px solid var(--border-dark); }
  .compare th, .compare td { border: 0; padding: 6px 0; }
  .compare td::before { content: attr(data-col); display: block; font-family: var(--font-mono); font-size: 0.6875rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-inverse-2); margin-bottom: 2px; }
  .compare td:last-child { background: transparent; }
}

/* About: journey timeline */
.journey { list-style: none; margin: 0; padding: 0; position: relative; }
.journey::before { content: ""; position: absolute; left: 23px; top: 8px; bottom: 8px; width: 1px; background: var(--border); }
.journey li { position: relative; display: grid; grid-template-columns: 48px minmax(0, 1fr) minmax(0, 1fr); gap: 8px 32px; padding: 0 0 40px; }
.journey li:last-child { padding-bottom: 0; }
.journey .dot {
  width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center;
  background: var(--background); border: 1px solid var(--border-strong);
  font-family: var(--font-mono); font-size: 0.8125rem; color: var(--text-secondary); position: relative; z-index: 1;
  transition: background-color var(--dur) ease, color var(--dur) ease, border-color var(--dur) ease;
}
.journey li.is-in .dot { background: var(--text-primary); border-color: var(--text-primary); color: var(--text-inverse); }
.journey li.is-issuer .dot { border-style: dashed; }
.journey li.is-issuer.is-in .dot { background: var(--surface); color: var(--text-primary); border-color: var(--text-tertiary); }
.journey h3 { padding-top: 12px; margin: 0; }
.journey p { padding-top: 12px; margin: 0; color: var(--text-secondary); }
.journey .owner { display: block; margin-top: 6px; font-family: var(--font-mono); font-size: 0.6875rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-tertiary); font-weight: 500; }
@media (max-width: 767.98px) {
  .journey li { grid-template-columns: 48px minmax(0, 1fr); }
  .journey p { grid-column: 2; padding-top: 0; }
}

/* Catalogue hero */
.cat-hero { padding: 48px 0 56px; }
.cat-hero__grid { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 32px 72px; align-items: end; }
.cat-hero h1 { margin: 0; }
.cat-hero .lead { margin: 0; }
.cat-stats { display: flex; flex-wrap: wrap; gap: 16px 48px; margin: 40px 0 0; padding-top: 20px; border-top: 1px solid var(--border); }
.cat-stats dt { font-family: var(--font-mono); font-size: 0.6875rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-tertiary); }
.cat-stats dd { margin: 4px 0 0; font-weight: 600; }
@media (max-width: 991.98px) { .cat-hero { padding: 24px 0 48px; } .cat-hero__grid { grid-template-columns: 1fr; } }

/* Catalogue toolbar */
.toolbar { position: sticky; top: var(--header-h); z-index: 20; background: rgba(247, 244, 239, 0.95); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.toolbar__inner { display: flex; align-items: center; gap: 12px; min-height: 68px; padding-top: 12px; padding-bottom: 12px; flex-wrap: wrap; }
.segmented { display: flex; gap: 4px; padding: 4px; border: 1px solid var(--border); border-radius: 12px; background: var(--surface); overflow-x: auto; scrollbar-width: none; max-width: 100%; }
.segmented::-webkit-scrollbar { display: none; }
.segmented button {
  flex: 0 0 auto; display: inline-flex; align-items: center; gap: 8px; height: 36px; padding: 0 14px;
  border: 0; border-radius: 8px; background: transparent; font-size: 0.875rem; font-weight: 500; color: var(--text-secondary); cursor: pointer;
  transition: background-color var(--dur-fast) ease, color var(--dur-fast) ease;
}
.segmented button:hover { color: var(--text-primary); background: var(--background); }
.segmented button[aria-pressed="true"] { background: var(--text-primary); color: var(--text-inverse); }
.segmented button .count { font-family: var(--font-mono); font-size: 0.7rem; opacity: 0.65; }
.toolbar__search { position: relative; flex: 1 1 220px; max-width: 300px; margin-left: auto; }
.toolbar__search .bi { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-tertiary); pointer-events: none; }
.toolbar__search input { width: 100%; height: 44px; padding: 0 14px 0 40px; border: 1px solid var(--border); border-radius: 12px; background: var(--surface); font-size: 0.9375rem; color: var(--text-primary); transition: border-color var(--dur-fast) ease, box-shadow var(--dur-fast) ease; }
.toolbar__search input:focus, .toolbar__sort select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(var(--primary-rgb), 0.1); }
.toolbar__sort select { height: 44px; padding: 0 36px 0 14px; border: 1px solid var(--border); border-radius: 12px; background-color: var(--surface); font-size: 0.875rem; color: var(--text-primary); }
@media (max-width: 991.98px) {
  .toolbar { position: static; }
  .segmented { order: 3; width: 100%; }
  .toolbar__search { max-width: none; margin-left: 0; }
}
.results-bar { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 28px 0 20px; font-size: 0.875rem; color: var(--text-secondary); }
.results-bar strong { color: var(--text-primary); }
.results-bar button { border: 0; background: none; padding: 0; font-weight: 600; color: var(--primary); font-size: 0.875rem; }
.results-bar button[hidden] { display: none; }

/* Product tiles */
.catalogue { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.product {
  position: relative; display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface); overflow: hidden;
  scroll-margin-top: calc(var(--header-h) + 90px);
  transition: border-color var(--dur) ease, box-shadow var(--dur) ease;
}
.product:hover { border-color: var(--border-strong); box-shadow: var(--shadow-lift); }
.product[hidden] { display: none; }
.product__visual { position: relative; display: flex; align-items: center; justify-content: center; padding: 36px 28px; background: var(--background); border-right: 1px solid var(--border); overflow: hidden; }
.product__visual::before { content: ""; position: absolute; inset: 0; background: linear-gradient(var(--border) 1px, transparent 1px) 0 50% / 100% 33.33%; opacity: 0.6; }
.product__visual .cc-wrap { max-width: 240px; position: relative; }
.product__visual .cc { transform: rotate(-5deg); transition: transform 0.6s var(--ease-out); }
.product:hover .product__visual .cc { transform: rotate(-2deg) translateY(-6px) scale(1.02); }
.product__index { position: absolute; left: 16px; top: 14px; z-index: 1; }
.product__body { display: flex; flex-direction: column; padding: 28px 28px 24px; min-width: 0; }
.product__issuer { font-family: var(--font-mono); font-size: 0.75rem; letter-spacing: 0.04em; color: var(--text-tertiary); margin-bottom: 8px; display: block; }
.product__body h2 { font-family: var(--font-sans); font-weight: 600; font-size: 1.25rem; line-height: 1.25; letter-spacing: -0.01em; margin-bottom: 10px; }
.product__body p { font-size: 0.9375rem; color: var(--text-secondary); margin-bottom: 18px; }
.product__tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 22px; }
.product__actions { margin-top: auto; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-top: 18px; border-top: 1px solid var(--border); flex-wrap: wrap; }
.product__details-btn { display: inline-flex; align-items: center; gap: 8px; border: 0; background: none; padding: 0; min-height: 40px; font-weight: 600; font-size: 0.875rem; color: var(--text-primary); cursor: pointer; }
.product__details-btn .bi { transition: transform var(--dur) var(--ease-out); }
.product__details-btn:hover { color: var(--primary); }
.product__details-btn:hover .bi { transform: translateX(3px); }
.product__more { display: none; }
.empty-state { display: none; padding: 64px 24px; text-align: center; border: 1px dashed var(--border-strong); border-radius: var(--radius-lg); }
.empty-state.is-visible { display: block; }
.empty-state h2 { font-size: 1.75rem; margin-bottom: 8px; }
.empty-state p { color: var(--text-secondary); margin-bottom: 20px; }
/* Desktop: full-width catalogue rows (art | details | actions) */
@media (min-width: 992px) {
  .catalogue { grid-template-columns: 1fr; gap: 16px; }
  .product { grid-template-columns: 300px minmax(0, 1fr); }
  .product__visual { padding: 36px 40px; }
  .product__visual .cc-wrap { max-width: 230px; }
  .product__body {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 230px;
    grid-template-areas: "issuer actions" "title actions" "desc actions" "tags actions";
    grid-template-rows: auto auto auto 1fr;
    column-gap: 40px;
    padding: 32px 32px 28px 36px;
  }
  .product__issuer { grid-area: issuer; }
  .product__body h2 { grid-area: title; font-size: 1.375rem; }
  .product__body > p { grid-area: desc; max-width: 58ch; }
  .product__tags { grid-area: tags; margin-bottom: 0; align-self: start; }
  .product__actions {
    grid-area: actions;
    flex-direction: column-reverse;
    align-items: stretch;
    justify-content: center;
    gap: 6px;
    margin: 0;
    padding: 0 0 0 32px;
    border-top: 0;
    border-left: 1px solid var(--border);
  }
  .product__actions .btn-cb { width: 100%; min-height: 48px; font-size: 0.9375rem; }
  .product__details-btn { justify-content: center; }
}
@media (min-width: 992px) and (max-width: 1199.98px) {
  .product { grid-template-columns: 240px minmax(0, 1fr); }
  .product__visual { padding: 32px 28px; }
  .product__body { grid-template-columns: minmax(0, 1fr) 190px; column-gap: 28px; padding: 28px; }
  .product__actions { padding-left: 24px; }
}
/* Tablet: two columns of stacked tiles */
@media (max-width: 991.98px) {
  .catalogue { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .product { grid-template-columns: 1fr; }
  .product__visual { border-right: 0; border-bottom: 1px solid var(--border); padding: 40px 28px; }
  .product__visual .cc-wrap { max-width: 250px; }
}
/* Mobile: one column with tuned spacing */
@media (max-width: 767.98px) { .catalogue { grid-template-columns: 1fr; gap: 16px; } }
@media (max-width: 575.98px) {
  .product__visual { padding: 32px 20px; }
  .product__visual .cc-wrap { max-width: 230px; }
  .product__body { padding: 22px 20px 20px; }
  .product__actions { flex-direction: column-reverse; align-items: stretch; gap: 4px; }
  .product__actions .btn-cb { width: 100%; min-height: 48px; }
  .product__details-btn { justify-content: center; }
}

/* Notes + FAQ */
.notes { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 32px 72px; }
.faq-cb .accordion-item { border: 0; border-bottom: 1px solid var(--border); background: transparent; border-radius: 0 !important; }
.faq-cb .accordion-item:first-child { border-top: 1px solid var(--border); }
.faq-cb .accordion-button { padding: 24px 0; background: transparent; box-shadow: none !important; font-family: var(--font-sans); font-weight: 600; font-size: 1.0625rem; color: var(--text-primary); gap: 16px; }
.faq-cb .accordion-button::after { content: "\f64d"; font-family: "bootstrap-icons"; background-image: none; width: auto; height: auto; font-size: 1rem; color: var(--text-tertiary); transition: transform var(--dur) var(--ease-out), color var(--dur-fast) ease; }
.faq-cb .accordion-button:not(.collapsed) { color: var(--primary); }
.faq-cb .accordion-button:not(.collapsed)::after { transform: rotate(45deg); color: var(--primary); }
.faq-cb .accordion-body { padding: 0 0 24px; color: var(--text-secondary); max-width: 64ch; }
@media (max-width: 991.98px) { .notes { grid-template-columns: 1fr; } }

/* Detail drawer */
@keyframes drawerCard { from { opacity: 0; transform: translateY(24px) rotate(-10deg); } to { opacity: 1; transform: rotate(-4deg); } }
.drawer.offcanvas-end { --bs-offcanvas-width: min(560px, 100vw); --bs-offcanvas-bg: var(--background); --bs-offcanvas-transition: transform 0.55s var(--ease-out); border-left: 1px solid var(--border); }
.drawer .offcanvas-header { height: var(--header-h); padding: 0 28px; border-bottom: 1px solid var(--border); background: var(--background); flex: 0 0 auto; }
.drawer .offcanvas-body { padding: 0; display: flex; flex-direction: column; }
.drawer__visual { padding: 44px 48px; background: var(--background-alt); border-bottom: 1px solid var(--border); display: flex; justify-content: center; }
.drawer__visual .cc-wrap { max-width: 320px; }
.drawer__visual .cc { transform: rotate(-4deg); }
.drawer.show .drawer__visual .cc { animation: drawerCard 0.8s var(--ease-out) both; }
.drawer__content { padding: 32px 28px; flex: 1 0 auto; }
.drawer__content h2 { font-family: var(--font-display); font-weight: 400; font-size: 2.2rem; line-height: 1.05; margin-bottom: 14px; }
.drawer__content .product__tags { margin-bottom: 8px; }
.drawer__section { padding: 22px 0; border-top: 1px solid var(--border); }
.drawer__section h3 { font-family: var(--font-mono); font-size: 0.75rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-tertiary); margin-bottom: 12px; }
.drawer__section p { margin: 0; color: var(--text-secondary); }
.drawer__section ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.drawer__section li { display: grid; grid-template-columns: 20px minmax(0, 1fr); gap: 10px; color: var(--text-primary); font-size: 0.9375rem; }
.drawer__section li::before { content: "\f26e"; font-family: "bootstrap-icons"; color: var(--primary); }
.drawer__apply { position: sticky; bottom: 0; padding: 16px 28px 20px; background: rgba(247, 244, 239, 0.97); border-top: 1px solid var(--border); display: grid; gap: 10px; }
.drawer__apply p { margin: 0; font-size: 0.75rem; color: var(--text-tertiary); line-height: 1.5; }
.drawer__disclaimer { font-size: 0.8125rem; color: var(--text-tertiary); padding: 18px 20px; border-radius: var(--radius); border: 1px solid var(--border); background: var(--surface); margin: 8px 0 0; line-height: 1.55; }
.icon-btn { width: 40px; height: 40px; border-radius: var(--radius-sm); border: 1px solid var(--border-strong); background: var(--surface); display: inline-grid; place-items: center; color: var(--text-primary); font-size: 1rem; transition: border-color var(--dur-fast) ease; }
.icon-btn:hover { border-color: var(--text-primary); }
@media (max-width: 575.98px) {
  .drawer__visual { padding: 32px 36px; }
  .drawer__content { padding: 26px 20px 28px; }
  .drawer .offcanvas-header, .drawer__apply { padding-left: 20px; padding-right: 20px; }
}

/* Forms */
.form-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 40px; }
.form-card--raised { box-shadow: var(--shadow-panel); border: 0; }
.form-card__head { margin-bottom: 28px; }
.form-card__head h2 { font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem); margin-bottom: 8px; }
.form-card__head p { margin: 0; color: var(--text-secondary); font-size: 0.9375rem; }
.fieldset { border: 0; padding: 0; margin: 0 0 12px; min-width: 0; }
.fieldset legend { float: none; width: 100%; display: flex; align-items: center; gap: 12px; margin-bottom: 18px; font-family: var(--font-mono); font-size: 0.75rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-tertiary); }
.fieldset legend::after { content: ""; flex: 1; height: 1px; background: var(--border); }
.field { margin-bottom: 20px; }
.field > label, .field .field-label { display: block; margin-bottom: 8px; font-size: 0.875rem; font-weight: 600; color: var(--text-primary); }
.field .opt { font-weight: 400; color: var(--text-tertiary); }
.field .req { color: var(--primary); margin-left: 2px; }
.input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 16px;
  border: 1px solid var(--border-strong); border-radius: var(--radius-sm); background-color: var(--surface);
  color: var(--text-primary); font-size: 1rem; line-height: 1.4;
  transition: border-color var(--dur-fast) ease, box-shadow var(--dur-fast) ease, background-color var(--dur-fast) ease;
  -webkit-appearance: none; appearance: none;
}
.field select {
  padding-right: 44px;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3e%3cpath fill='none' stroke='%235c524d' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.6' d='m3 6 5 5 5-5'/%3e%3c/svg%3e");
  background-repeat: no-repeat; background-position: right 16px center; background-size: 14px;
}
.field textarea { min-height: 132px; resize: vertical; }
.input::placeholder, .field textarea::placeholder { color: #9d9089; }
.input:hover, .field select:hover, .field textarea:hover { border-color: var(--text-tertiary); }
.input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(var(--primary-rgb), 0.1); }
.field.has-error .input, .field.has-error select, .field.has-error textarea { border-color: var(--danger); background-color: #fffafa; }
.field.has-error .input:focus, .field.has-error select:focus, .field.has-error textarea:focus { box-shadow: 0 0 0 4px rgba(164, 35, 27, 0.1); }
.field__error { display: none; margin-top: 6px; font-size: 0.8125rem; color: var(--danger); align-items: center; gap: 6px; }
.field.has-error .field__error { display: flex; }
.field__hint { margin-top: 6px; font-size: 0.8125rem; color: var(--text-tertiary); }
.input-group-cb { position: relative; }
.input-group-cb .prefix { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); color: var(--text-secondary); font-weight: 500; pointer-events: none; }
.input-group-cb .input { padding-left: 34px; }
.check,
.field > label.check { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 12px; align-items: start; font-size: 0.875rem; line-height: 1.55; color: var(--text-secondary); cursor: pointer; font-weight: 400; margin: 0; }
.check input {
  width: 20px; height: 20px; margin: 1px 0 0; border: 1px solid var(--border-strong); border-radius: 5px; background: var(--surface);
  -webkit-appearance: none; appearance: none; display: grid; place-items: center; cursor: pointer;
  transition: background-color var(--dur-fast) ease, border-color var(--dur-fast) ease;
}
.check input::after { content: "\f26e"; font-family: "bootstrap-icons"; font-size: 14px; color: var(--text-inverse); opacity: 0; transform: scale(0.6); transition: opacity var(--dur-fast) ease, transform var(--dur-fast) var(--ease-out); }
.check input:checked { background: var(--primary); border-color: var(--primary); }
.check input:checked::after { opacity: 1; transform: scale(1); }
.check input:focus-visible { outline: 2px solid var(--primary); outline-offset: 2px; }
.field.has-error .check input { border-color: var(--danger); }
.form-foot { display: flex; align-items: center; justify-content: space-between; gap: 16px 24px; flex-wrap: wrap; margin-top: 8px; }
.form-foot p { margin: 0; font-size: 0.8125rem; color: var(--text-tertiary); max-width: 44ch; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-alert { display: none; margin-top: 20px; padding: 14px 16px; border-radius: var(--radius-sm); font-size: 0.875rem; line-height: 1.5; }
.form-alert.is-visible { display: flex; gap: 10px; }
.form-alert--error { background: var(--danger-soft); color: var(--danger); border: 1px solid rgba(164, 35, 27, 0.2); }
.form-alert a { color: inherit; text-decoration: underline; }
.form-success { display: none; }
.form-success.is-visible { display: block; animation: fadeUp 0.6s var(--ease-out) both; }
.form-success__icon { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--success-soft); color: var(--success); font-size: 1.6rem; margin-bottom: 24px; }
.form-success h2 { font-size: clamp(1.9rem, 1.5rem + 1vw, 2.4rem); margin-bottom: 12px; }
.form-success p { color: var(--text-secondary); max-width: 46ch; }
.form-success ol { margin: 24px 0 28px; padding: 0; list-style: none; counter-reset: next; display: grid; gap: 12px; }
.form-success ol li { counter-increment: next; display: grid; grid-template-columns: 32px minmax(0, 1fr); gap: 12px; font-size: 0.9375rem; color: var(--text-secondary); }
.form-success ol li::before { content: counter(next, decimal-leading-zero); font-family: var(--font-mono); font-size: 0.8125rem; color: var(--primary); padding-top: 2px; }
.is-sent .form-body { display: none; }
@media (max-width: 575.98px) {
  .form-card { padding: 26px 20px; border-radius: var(--radius); }
  .form-foot .btn-cb { width: 100%; }
}

/* Contact page */
.contact-hero { padding: 48px 0 0; }
.contact-hero h1 { font-size: clamp(3.4rem, 2rem + 5.6vw, 6.6rem); line-height: 0.95; margin: 0; }
.contact-hero__row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 32px 72px; align-items: end; padding-bottom: 56px; border-bottom: 1px solid var(--border); }
.contact-hero__row .lead { margin: 0; max-width: 44ch; }
.contact-grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 48px 80px; align-items: start; }
.contact-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--border); }
.contact-list li { padding: 24px 0; border-bottom: 1px solid var(--border); display: grid; grid-template-columns: 110px minmax(0, 1fr); gap: 6px 20px; }
.contact-list .label { padding-top: 4px; }
.contact-list a, .contact-list address { font-size: 1.0625rem; font-weight: 500; color: var(--text-primary); margin: 0; font-style: normal; line-height: 1.5; }
.contact-list a:hover { color: var(--primary); }
.contact-note { margin-top: 32px; padding: 24px; border-radius: var(--radius); background: var(--background-alt); }
.contact-note h2 { font-family: var(--font-sans); font-size: 1rem; font-weight: 600; margin-bottom: 6px; }
.contact-note p { margin: 0 0 14px; font-size: 0.875rem; color: var(--text-secondary); }
.map-frame { margin-top: 32px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); line-height: 0; }
.map-frame iframe { width: 100%; height: 220px; border: 0; filter: grayscale(0.4) contrast(1.02); }
@media (max-width: 991.98px) {
  .contact-hero { padding-top: 24px; }
  .contact-hero__row, .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 575.98px) { .contact-list li { grid-template-columns: 1fr; } }

/* Loan enquiry page */
.loan-hero { padding: 48px 0 0; }
.loan-grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 48px 72px; align-items: start; }
.loan-intro { position: sticky; top: calc(var(--header-h) + 32px); }
.loan-intro h1 { margin-bottom: 22px; max-width: 12ch; }
.loan-intro .lead { margin-bottom: 32px; }
.loan-types { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 40px; padding: 0; list-style: none; }
.next-steps { list-style: none; margin: 0 0 28px; padding: 0; border-top: 1px solid var(--border); }
.next-steps li { display: grid; grid-template-columns: 44px minmax(0, 1fr); gap: 4px 12px; padding: 18px 0; border-bottom: 1px solid var(--border); }
.next-steps strong { display: block; font-size: 0.9375rem; margin-bottom: 2px; }
.next-steps span { font-size: 0.875rem; color: var(--text-secondary); }
.notice { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: 12px; padding: 18px; border-radius: var(--radius); border: 1px solid var(--border); background: var(--surface); font-size: 0.8125rem; color: var(--text-secondary); line-height: 1.55; }
.notice .bi { color: var(--primary); font-size: 1rem; }
.notice p { margin: 0; }
@media (max-width: 991.98px) {
  .loan-hero { padding-top: 24px; }
  .loan-grid { grid-template-columns: 1fr; }
  .loan-intro { position: static; }
}

/* Legal pages */
.legal { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 72px; align-items: start; }
.legal__toc { position: sticky; top: calc(var(--header-h) + 32px); }
.legal__toc h2 { font-family: var(--font-mono); font-size: 0.75rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-tertiary); margin-bottom: 14px; }
.legal__toc ol { list-style: none; margin: 0; padding: 0; border-left: 1px solid var(--border); }
.legal__toc a { display: block; padding: 6px 0 6px 16px; margin-left: -1px; border-left: 1px solid transparent; font-size: 0.875rem; color: var(--text-secondary); line-height: 1.4; }
.legal__toc a:hover { color: var(--text-primary); }
.legal__toc a.is-active { color: var(--primary); border-left-color: var(--primary); }
.prose { max-width: 720px; }
.prose .updated { font-family: var(--font-mono); font-size: 0.75rem; color: var(--text-tertiary); margin-bottom: 32px; }
.prose h2 { font-family: var(--font-sans); font-weight: 600; font-size: 1.25rem; letter-spacing: -0.01em; line-height: 1.3; margin: 48px 0 14px; scroll-margin-top: calc(var(--header-h) + 24px); }
.prose h2:first-of-type { margin-top: 0; }
.prose p, .prose li { color: #3e3531; }
.prose ul { padding-left: 1.1rem; }
.prose li { margin-bottom: 8px; }
.prose li::marker { color: var(--primary); }
.prose strong { color: var(--text-primary); }
.prose .callout { padding: 20px 22px; border-radius: var(--radius); background: var(--surface); border: 1px solid var(--border); border-left: 3px solid var(--primary); font-size: 0.9375rem; }
@media (max-width: 991.98px) {
  .legal { grid-template-columns: 1fr; gap: 32px; }
  .legal__toc { position: static; }
}