:root {
  --brand: #ff5a00;
  --brand-dark: #d94c00;
  --brand-text: #c2410c; /* orange for small text on white: 5.2:1 contrast */
  --ink: #0d141a;
  --text: #56585e;
  --muted: #6b6e75;
  --line: #e6e6e6;
  --soft: #fff4ec;
  --bg: #ffffff;
  --bg-alt: #f7f7f8;
  --radius: 12px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Mukta", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 18px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}
img { max-width: 100%; display: block; }
a { color: var(--brand-text); }
:focus-visible { outline: 3px solid var(--brand); outline-offset: 2px; }
h1, h2, h3, h4, h5, h6 { color: var(--ink); line-height: 1.2; margin: 0 0 .5em; font-weight: 600; }
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: 1.35rem; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 80px 0; }
.section.alt { background: var(--bg-alt); }
.eyebrow { color: var(--brand-text); font-weight: 600; text-transform: uppercase; letter-spacing: .08em; font-size: .85rem; margin-bottom: .5em; }
.lead { font-size: 1.15rem; max-width: 720px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Top bar */
.topbar { background: var(--brand); color: #fff; font-size: .9rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 16px; padding-top: 6px; padding-bottom: 6px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }

/* Header */
.header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header .container { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo img { height: 52px; width: auto; }
.nav { display: flex; gap: 32px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; padding: 6px 0; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a.active { border-bottom-color: var(--brand); }
.menu-btn { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-btn span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; }

@media (max-width: 860px) {
  .menu-btn { display: block; }
  .nav { display: none; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; gap: 0; background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 16px; }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav a.active { color: var(--brand-text); border-bottom-color: var(--line); }
  .topbar .hide-sm { display: none; }
  .topbar .container { justify-content: center; column-gap: 20px; row-gap: 0; font-size: .82rem; }
}

/* Hero */
.hero { position: relative; min-height: 560px; display: flex; align-items: center; color: #fff; background: #222 center/cover no-repeat; }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0,0,0,.65), rgba(0,0,0,.2)); }
.hero .container { position: relative; width: 100%; }
.hero h1 { color: #fff; max-width: 680px; }
.hero p { font-size: 1.25rem; max-width: 560px; }
.page-hero { background: var(--soft); padding: 72px 0 56px; }
.page-hero p { max-width: 760px; font-size: 1.15rem; }

.btn { display: inline-block; background: var(--brand); color: #fff; padding: 12px 26px; border-radius: 999px; text-decoration: none; font-weight: 700; font-size: 1.05rem; }
.btn:hover { background: var(--brand-dark); }
.btn.ghost { background: transparent; color: var(--brand-text); border: 2px solid currentColor; padding: 10px 24px; }
.btn.ghost:hover { background: var(--brand); border-color: var(--brand); color: #fff; }

/* Grids and cards */
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } .section { padding: 56px 0; } }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.card .body { padding: 24px; }
.card img { width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.card h3, .card h4 { margin-bottom: .35em; }
.card p:last-child { margin-bottom: 0; }

.feature { padding: 28px; border-left: 4px solid var(--brand); background: #fff; border-radius: 0 var(--radius) var(--radius) 0; box-shadow: 0 1px 3px rgba(0,0,0,.06); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split img { border-radius: var(--radius); width: 100%; object-fit: cover; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 32px; } .split img { max-height: 420px; } }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat { text-align: center; padding: 28px 12px; background: #fff; border-radius: var(--radius); border: 1px solid var(--line); }
.stat .num { font-size: clamp(1.9rem, 4.6vw, 2.6rem); white-space: nowrap; font-weight: 700; color: var(--brand); line-height: 1; }
.stat .label { margin-top: 8px; color: var(--ink); font-weight: 500; }
@media (max-width: 900px) { .stats { grid-template-columns: repeat(2, 1fr); } }

/* Testimonial */
.testimonial { display: grid; grid-template-columns: 180px 1fr; gap: 40px; align-items: center; max-width: 900px; margin: 0 auto; }
.testimonial img { width: 180px; height: 180px; border-radius: 50%; object-fit: cover; }
.testimonial blockquote { margin: 0; font-size: 1.3rem; color: var(--ink); }
.stars { color: #f5a623; letter-spacing: 2px; margin: 8px 0; }
@media (max-width: 640px) { .testimonial { grid-template-columns: 1fr; text-align: center; } .testimonial img { margin: 0 auto; } }

/* Team */
.team-card img { aspect-ratio: 4/5; object-fit: cover; object-position: top; }
.team-card .role { color: var(--brand-text); font-weight: 500; margin-bottom: .6em; }
.team-card p { font-size: .98rem; }

/* Loan product */
.product { text-align: center; }
.product img { aspect-ratio: 1/1; }
@media (max-width: 640px) { .product img { aspect-ratio: 16/9; } }
.product .value { font-size: 1.3rem; font-weight: 600; color: var(--ink); }

/* FAQ */
details { border-bottom: 1px solid var(--line); padding: 18px 0; }
summary { cursor: pointer; font-weight: 600; color: var(--ink); font-size: 1.1rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; color: var(--brand-text); font-size: 1.4rem; line-height: 1; }
details[open] summary::after { content: "−"; }
details p { margin: 12px 0 0; }

/* Documents */
.doc-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.doc-list a { display: flex; align-items: center; gap: 14px; padding: 16px 20px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); text-decoration: none; font-weight: 500; }
.doc-list a:hover { border-color: var(--brand); color: var(--brand-text); }
.doc-list .pdf { flex: none; font-size: .7rem; font-weight: 700; color: #fff; background: var(--brand-text); border-radius: 4px; padding: 3px 6px; }

.banner { height: 320px; background: center/cover no-repeat; }

/* Contact */
.contact-item { margin-bottom: 28px; }
.contact-item h3 { font-size: 1.1rem; margin-bottom: .2em; }
.contact-item p, .contact-item a { font-size: 1.1rem; }

/* Footer */
.footer { background: var(--ink); color: #c9cbd0; padding: 56px 0 28px; font-size: .98rem; }
.footer h3 { color: #fff; }
.footer a { color: #c9cbd0; text-decoration: none; }
.footer a:hover { color: #fff; }
.footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: 6px; }
.footer .social { display: flex; gap: 14px; margin-top: 14px; }
.footer .social a { display: inline-flex; width: 38px; height: 38px; align-items: center; justify-content: center; border: 1px solid #3a4148; border-radius: 50%; }
.footer .social svg { width: 18px; height: 18px; fill: currentColor; }
.footer .bottom { border-top: 1px solid #2a3138; margin-top: 40px; padding-top: 20px; font-size: .9rem; }
@media (max-width: 760px) { .footer .cols { grid-template-columns: 1fr; gap: 28px; } }