/*!
 * Prime Capital Fincorp - Site Stylesheet (organized + deduplicated)
 * Loads AFTER bootstrap.min.css (Bootstrap 5.0.x)
 *
 *  01 Tokens                 12 Team (incl. teams carousel)
 *  02 Base                   13 Testimonial
 *  03 Utilities              14 Forms, accordion & CTA
 *  04 Buttons                15 Footer
 *  05 Navbar                 16 UI components
 *  06 Hero carousel          17 Contact
 *  07 Page header & sections 18 Animations & keyframes
 *  08 Facts/Callback/Feature 19 Global responsive
 *  09 Service                20 Reduced motion
 *  10 Loan comparison
 *  11 Loan docs & FAQ
 *  (Project is section 11b, directly after 11)
 */

/* ==========================================================================
   01. Tokens
   ========================================================================== */
:root {
  /* Template */
  --primary: #355EFC;
  --secondary: #E93C05;
  --tertiary: #555555;
  --light: #DFE4FD;
  --dark: #011A41;

  /* Brand */
  --ink: #10243a;
  --harbor: #0b5c73;
  --harbor-dk: #084657;
  --harbor-primary: #0f2c59;
  --harbor-accent: #eef2f7;
  --brass: #d9a441;
  --brass-dk: #c28f2f;
  --mist: #eaf1f4;
  --paper: #ffffff;
  --line: #d3dfe5;
  --slate: #4a5e72;
  --text-muted-ink: #6c757d;

  /* UI */
  --accent-color: #2563eb;
  --primary-dark: #0369a1;
  --card-border: #e2e8f0;

  /* Typography */
  --font-body: 'Public Sans', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  --font-heading: 'Bricolage Grotesque', 'Public Sans', system-ui, sans-serif;
}

/* ==========================================================================
   02. Base
   ========================================================================== */
html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--font-heading);
  letter-spacing: -0.015em;
  line-height: 1.15;
}

h1 {
  font-size: clamp(2.2rem, 4.6vw, 3.4rem);
}

h2 {
  font-size: clamp(1.7rem, 3vw, 2.3rem);
}

a {
  /* color: var(--harbor); */
  color: blue;
}

a:hover {
  color: var(--harbor-dk);
}

:focus-visible {
  outline: 3px solid var(--brass);
  outline-offset: 2px;
}

/* ==========================================================================
   03. Utilities
   ========================================================================== */
h1,
.h1,
h2,
.h2,
.fw-bold {
  font-weight: 700 !important;
}

h3,
.h3,
h4,
.h4,
.fw-medium {
  font-weight: 600 !important;
}

h5,
.h5,
h6,
.h6,
.fw-semi-bold {
  font-weight: 500 !important;
}

.text-muted-ink {
  color: var(--text-muted-ink) !important;
}

.text-justify {
  text-align: justify;
}

.white {
  color: #fff;
}

.back-to-top {
  position: fixed;
  display: none;
  right: 30px;
  bottom: 30px;
  z-index: 99;
}

#spinner {
  opacity: 0;
  visibility: hidden;
  transition: opacity .5s ease-out, visibility 0s linear .5s;
  z-index: 99999;
}

#spinner.show {
  transition: opacity .5s ease-out, visibility 0s linear 0s;
  visibility: visible;
  opacity: 1;
}

/* ==========================================================================
   04. Buttons
   ========================================================================== */
.btn {
  border-radius: 6px;
  font-weight: 600;
  transition: .5s;
}

.btn-sm {
  padding: .25rem .5rem;
  font-size: .875rem;
}

.btn-primary,
.btn-outline-primary:hover {
  color: var(--light);
}

.btn-square,
.btn-sm-square,
.btn-lg-square {
  padding: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.btn-square {
  width: 38px;
  height: 38px;
}

.btn-sm-square {
  width: 32px;
  height: 32px;
}

.btn-lg-square {
  width: 48px;
  height: 48px;
}

.btn-brand {
  background: var(--brass);
  border: 1px solid var(--brass);
  color: var(--ink);
}

.btn-brand:hover,
.btn-brand:focus {
  background: var(--brass-dk);
  border-color: var(--brass-dk);
  color: var(--ink);
}

.btn-harbor {
  width: 100%;
  padding: .75rem 1rem;
  background: var(--harbor);
  border: 1px solid var(--harbor);
  color: #fff;
  transition: background-color .2s ease;
}

.btn-harbor:hover,
.btn-harbor:focus {
  background: var(--harbor-dk);
  border-color: var(--harbor-dk);
  color: #fff;
}

.btn-outline-harbor {
  padding: .5rem 1.25rem;
  background: transparent;
  border: 1px solid var(--harbor-primary);
  color: var(--harbor-primary);
  transition: all .2s ease;
}

.btn-outline-harbor:hover,
.btn-outline-harbor:focus {
  background: var(--harbor-primary);
  border-color: var(--harbor-primary);
  color: #fff;
}

/* ==========================================================================
   05. Navbar
   ========================================================================== */
.fixed-top {
  transition: .5s;
}

.top-bar {
  height: 45px;
  border-bottom: 1px solid rgba(53, 94, 252, .07);
}

.navbar-brand {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--ink);
}

.navbar-brand:hover {
  color: var(--ink);
}

.navbar .navbar-nav .nav-link {
  padding: 0 15px;
  color: var(--tertiary);
  font-weight: 500;
  border-radius: 6px;
  outline: none;
}

.navbar .navbar-nav .nav-link:hover {
  color: var(--primary);
  /* background: var(--mist); */
}

.navbar .navbar-nav .nav-link.active {
  color: var(--primary);
  font-weight: 700;
  border-radius: 0;
}

@media (min-width: 992px) {
  .navbar .nav-item .dropdown-menu {
    display: block;
    visibility: hidden;
    top: 100%;
    opacity: 0;
    transform: rotateX(-75deg);
    transform-origin: 0% 0%;
    transition: .5s;
  }

  .navbar .nav-item:hover .dropdown-menu {
    visibility: visible;
    opacity: 1;
    transform: rotateX(0deg);
    transition: .5s;
  }
}

/* ==========================================================================
   06. Hero carousel
   ========================================================================== */
.carousel-caption {
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: start;
  z-index: 1;
}

.carousel-control-prev,
.carousel-control-next {
  width: 3rem;
}

.carousel-control-prev-icon,
.carousel-control-next-icon {
  width: 3rem;
  height: 3rem;
  background-color: var(--primary);
  border: 10px solid var(--primary);
}

.carousel-control-prev-icon {
  border-radius: 0 3rem 3rem 0;
}

.carousel-control-next-icon {
  border-radius: 3rem 0 0 3rem;
}

/* Hero subtitle pill (merged from two duplicate blocks; later values kept) */
.hero-subtitle {
  --x: 50%;
  --y: 50%;
  position: relative;
  overflow: hidden;
  isolation: isolate;
  display: inline-flex !important;
  align-items: center;
  gap: 10px;
  color: #89126b;
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: .6px;
  line-height: 1.5;
  text-transform: uppercase;
  cursor: pointer;
  background: linear-gradient(135deg, rgba(255, 255, 255, .18), rgba(255, 255, 255, .06));
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, .35);
  box-shadow: 0 8px 32px rgba(0, 0, 0, .18);
  animation-fill-mode: backwards !important;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}

.hero-subtitle::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(120px circle at var(--x) var(--y),
      rgba(255, 255, 255, .35), transparent 70%);
  opacity: 0;
  transition: opacity .3s ease;
}

.hero-subtitle::after {
  content: "";
  position: absolute;
  top: 0;
  left: -75%;
  width: 50%;
  height: 100%;
  z-index: -1;
  background: linear-gradient(120deg, transparent, rgba(255, 255, 255, .4), transparent);
  transform: skewX(-25deg);
  animation: shimmer 3.5s infinite;
}

.hero-subtitle:hover {
  transform: translateY(-3px) scale(1.04);
  border-color: rgba(255, 255, 255, .7);
  box-shadow: 0 14px 40px rgba(0, 0, 0, .28);
}

.hero-subtitle:hover::before {
  opacity: 1;
}

.pulse-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #2ee59d;
  box-shadow: 0 0 0 0 rgba(46, 229, 157, .7);
  animation: pulse 1.8s infinite;
}

.subtitle-arrow {
  opacity: 0;
  transform: translateX(-8px);
  transition: all .3s ease;
  margin-left: -6px;
}

.hero-subtitle:hover .subtitle-arrow {
  opacity: 1;
  transform: translateX(0);
  margin-left: 0;
}

/* Hero description */
.hero-description {
  max-width: 650px;
  color: #0b1deb;
  font-size: 1.5rem;
  font-weight: 400;
  line-height: 1.85;
  /* text-shadow: 0 2px 6px rgba(0, 0, 0, 0.65); */
}

/* Heading readability */
#header-carousel .carousel-caption h1,
#header-carousel .carousel-caption h2 {
  color: #561717;
  font-weight: 700;
  line-height: 1.2;
  text-shadow: 0 3px 10px rgba(0, 0, 0, 0.45);
}

/* Hero buttons */
#header-carousel .btn {
  font-weight: 600;
  border-radius: 6px;
  transition: all 0.3s ease;
}

#header-carousel .btn-outline-light:hover {
  color: #ffffff;
  background-color: #0d6efd;
  border-color: #0d6efd;
}

/* Hero responsive */
@media (max-width: 768px) {
  #header-carousel .carousel-item {
    position: relative;
    min-height: 450px;
  }

  #header-carousel .carousel-item img {
    position: absolute;
    width: 100%;
    height: 100%;
    object-fit: cover;
  }
}

@media (max-width: 767.98px) {

  #header-carousel .carousel-caption h1,
  #header-carousel .carousel-caption h2 {
    font-size: 1.8rem;
    line-height: 1.3;
  }

  .hero-subtitle {
    font-size: 0.72rem;
    letter-spacing: 0.3px;
    padding: 8px 12px !important;
  }

  .hero-description {
    font-size: 0.92rem;
    line-height: 1.65;
  }

  #header-carousel .btn {
    padding: 12px 18px !important;
    font-size: 0.9rem;
  }
}

/* ==========================================================================
   07. Page header, breadcrumb & sections
   ========================================================================== */
.page-header {
  padding-top: 12rem;
  padding-bottom: 6rem;
  background: url(../img/header.jpg) top left / cover no-repeat;
}

.breadcrumb {
  margin-bottom: .75rem;
}

.breadcrumb-item,
.breadcrumb-item a {
  color: #555555;
  font-size: .92rem;
}

.breadcrumb-item.active {
  color: #555555;
}

.breadcrumb-item+.breadcrumb-item::before {
  color: #bcd6df;
}

.page-header .breadcrumb-item,
.page-header .breadcrumb-item a {
  font-weight: 500;
}

.page-header .breadcrumb-item+.breadcrumb-item::before {
  color: var(--tertiary);
}

.section {
  padding: 5rem 0;
}

.section-alt {
  background: var(--mist);
}

.section-title {
  max-width: 56rem;
  margin-bottom: 2.5rem;
}

.section-title p {
  margin-top: .75rem;
  color: var(--slate);
}

.value-block h3 {
  font-size: 1.2rem;
}

.value-block p {
  color: var(--slate);
}

.value-block i {
  font-size: 1.6rem;
  color: var(--harbor);
}

/* ==========================================================================
   08. Facts / Callback / Feature
   ========================================================================== */
.facts {
  background: linear-gradient(rgba(53, 94, 252, .95), rgba(53, 94, 252, .95)), url(../img/bg.png);
}

.callback {
  position: relative;
}

.callback::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 50%;
  background: linear-gradient(rgba(53, 94, 252, .95), rgba(53, 94, 252, .95)), url(../img/bg.png);
  z-index: -1;
}

.feature .feature-box,
.feature .feature-box * {
  transition: .5s;
}

.feature .feature-box:hover {
  background: var(--primary);
  border-color: var(--primary) !important;
}

.feature .feature-box:hover * {
  color: #fff !important;
}

/* ==========================================================================
   09. Service
   ========================================================================== */
.service .nav .nav-link {
  transition: .5s;
}

.service .nav .nav-link.active {
  border-color: var(--primary) !important;
  background: var(--primary);
}

.service .nav .nav-link.active h5,
.service .nav .nav-link.active h5 i {
  color: #fff !important;
}

.service-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  padding: 2rem;
  background: #fff;
  border: 1px solid #e5e9f0;
  border-radius: 12px;
  transition: transform .2s ease, box-shadow .2s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, .08);
}

.service-card h3 {
  margin-bottom: .75rem;
  font-size: 1.25rem;
  font-weight: 700;
  color: #212529;
}

.service-card p {
  flex-grow: 1;
  margin-bottom: 1.5rem;
  font-size: .95rem;
  color: var(--text-muted-ink);
}

.service-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 50px;
  height: 50px;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
  color: var(--harbor-primary);
  background: var(--harbor-accent);
  border-radius: 10px;
}

.service-meta {
  display: flex;
  justify-content: space-between;
  margin-bottom: 1.5rem;
  padding: .75rem 1rem;
  font-size: .85rem;
  background: #fcfcfc;
  border: 1px solid #f1f3f5;
  border-radius: 8px;
}

.service-meta span {
  display: block;
  color: var(--text-muted-ink);
}

.service-meta strong {
  font-size: .95rem;
  color: #212529;
}

.service-item.service-show {
  animation: serviceFadeInUp 0.5s ease both;
  /* delay is set inline per item */
}

/* ==========================================================================
   10. Loan comparison
   ========================================================================== */
.loan-type-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  margin-right: 9px;
  border-radius: 10px;
  background: #edf3ff;
  color: #2864d7;
  font-size: 17px;
  vertical-align: middle;
}

.loan-rate {
  color: #16794b;
  font-size: 14px;
  font-weight: 800;
  white-space: nowrap;
}

.loan-meta {
  margin-top: 3px;
  color: #7b8798;
  font-size: 14px;
}

.loan-comparison-section {
  background: #f5f7fb;
  color: #17243a;
}

.loan-table-wrapper {
  overflow: hidden;
  border: 1px solid #e5eaf2;
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 12px 40px rgba(27, 46, 78, 0.07);
}

.loan-compare-table {
  min-width: 900px;
  border-collapse: separate;
  border-spacing: 0;
}

.loan-compare-table thead th {
  padding: 19px 18px;
  border: 0;
  border-bottom: 1px solid #e5eaf2;
  background: #f0f4fa;
  color: #526078;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.45px;
  text-transform: uppercase;
  white-space: nowrap;
}

.loan-compare-table tbody th,
.loan-compare-table tbody td {
  padding: 17px 16px;
  border: 0;
  border-bottom: 1px solid #edf0f5;
  color: #59677c;
  font-size: 14px;
  line-height: 1.6;
}

.loan-compare-table tbody th {
  min-width: 175px;
  color: #1b2a41;
  font-size: 14px;
  font-weight: 750;
  white-space: nowrap;
}

.loan-compare-table tbody td:nth-child(5) {
  min-width: 230px;
  max-width: 300px;
}

.loan-compare-table tbody tr {
  transition: background-color 0.2s ease;
}

.loan-compare-table tbody tr:hover {
  background: #f7f9ff;
}

.loan-compare-table tbody tr:last-child th,
.loan-compare-table tbody tr:last-child td {
  border-bottom: 0;
}

.loan-compare-table .btn-outline-harbor {
  padding: 8px 14px;
  border: 1px solid #2864d7;
  border-radius: 8px;
  color: #2864d7;
  background: #fff;
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
  transition: color 0.2s ease, background-color 0.2s ease,
    border-color 0.2s ease, transform 0.2s ease;
}

.loan-compare-table .btn-outline-harbor:hover,
.loan-compare-table .btn-outline-harbor:focus {
  border-color: #2864d7;
  color: #fff;
  background: #2864d7;
  transform: translateY(-1px);
}

.loan-table-note {
  padding: 17px 20px;
  border-top: 1px solid #e5eaf2;
  background: #fafbfd;
  color: #6b778b;
  font-size: 14px;
  line-height: 1.8;
}

.loan-table-note i {
  color: #2864d7;
}

@media (max-width: 767.98px) {
  .loan-type-icon {
    width: 32px;
    height: 32px;
    margin-right: 7px;
  }

  .loan-comparison-section {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
  }

  .loan-table-wrapper {
    border-radius: 12px;
  }

  .loan-compare-table thead th,
  .loan-compare-table tbody th,
  .loan-compare-table tbody td {
    padding: 15px 13px;
  }

  .loan-table-note {
    padding: 15px;
  }
}

/* ==========================================================================
   11. Loan documents & FAQ
   ========================================================================== */
.loan-docs-section {
  --docs-primary: #176b55;
  --docs-primary-dark: #10513f;
  --docs-ink: #172b25;
  --docs-muted: #718078;
  --docs-border: #e7ede9;
  --docs-surface: #ffffff;
  background: #f7f9f7;
  color: var(--docs-ink);
  font-family: inherit;
}

.loan-docs-section a {
  text-decoration: none;
}

/* Left introduction */
.docs-intro {
  position: sticky;
  top: 30px;
}

.docs-eyebrow,
.faq-label {
  display: inline-flex;
  align-items: center;
  color: var(--docs-primary);
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 1.7px;
}

.docs-eyebrow {
  padding: 10px 14px;
  background: #e8f3ed;
  border: 1px solid #d9eae0;
  border-radius: 50px;
}

.docs-title {
  max-width: 390px;
  font-size: clamp(2rem, 3.5vw, 3.15rem);
  font-weight: 800;
  line-height: 1.13;
  letter-spacing: -1.6px;
}

.docs-title span {
  display: block;
  color: var(--docs-primary);
}

.docs-description {
  max-width: 400px;
  color: var(--docs-muted);
  font-size: 15px;
  line-height: 1.9;
}

.btn-docs-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 15px 22px;
  color: #fff;
  background: var(--docs-primary);
  border: 1px solid var(--docs-primary);
  border-radius: 12px;
  font-size: 14px;
  font-weight: 700;
  transition: background .25s ease, transform .25s ease, box-shadow .25s ease;
}

.btn-docs-primary:hover,
.btn-docs-primary:focus {
  color: #fff;
  background: var(--docs-primary-dark);
  border-color: var(--docs-primary-dark);
  box-shadow: 0 10px 25px rgba(23, 107, 85, .18);
  transform: translateY(-2px);
}

.docs-trust {
  display: flex;
  align-items: flex-start;
  gap: 13px;
  margin-top: 32px;
  padding-top: 25px;
  border-top: 1px solid var(--docs-border);
}

.trust-icon {
  display: flex;
  flex: 0 0 44px;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  color: var(--docs-primary);
  background: #e8f3ed;
  border-radius: 13px;
  font-size: 19px;
}

.docs-trust h6 {
  margin: 2px 0 5px;
  font-size: 14px;
  font-weight: 750;
}

.docs-trust p {
  margin: 0;
  color: var(--docs-muted);
  font-size: 14px;
  line-height: 1.7;
}

.docs-help {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 22px;
  padding: 17px;
  background: #fff;
  border: 1px solid var(--docs-border);
  border-radius: 14px;
  transition: border-color .25s ease, transform .25s ease;
}

.docs-help:hover {
  border-color: #b8d8c7;
  transform: translateY(-2px);
}

.docs-help>i:first-child {
  color: var(--docs-primary);
  font-size: 21px;
}

.docs-help div {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.docs-help span {
  color: var(--docs-muted);
  font-size: 14px;
}

.docs-help a {
  color: var(--docs-ink);
  font-size: 14px;
  font-weight: 750;
}

.docs-help>i:last-child {
  color: var(--docs-primary);
}

/* FAQ heading */
.faq-heading {
  padding: 4px 2px 0;
}

.faq-heading h3 {
  margin-bottom: 8px;
  font-size: clamp(1.45rem, 2.5vw, 2rem);
  font-weight: 800;
  letter-spacing: -.7px;
}

.faq-heading p {
  margin: 0;
  color: var(--docs-muted);
  font-size: 15px;
  line-height: 1.8;
}

/* Accordion cards */
.modern-loan-accordion {
  display: flex;
  flex-direction: column;
  gap: 13px;
}

.modern-loan-accordion .accordion-item {
  overflow: hidden;
  background: var(--docs-surface);
  border: 1px solid var(--docs-border);
  border-radius: 15px;
  box-shadow: 0 3px 12px rgba(25, 53, 40, .025);
  transition: border-color .25s ease, box-shadow .25s ease;
}

.modern-loan-accordion .accordion-item:has(.accordion-button:not(.collapsed)) {
  border-color: #c5dfd0;
  box-shadow: 0 8px 28px rgba(25, 53, 40, .055);
}

.modern-loan-accordion .accordion-button {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 22px 23px;
  color: var(--docs-ink);
  background: #fff;
  box-shadow: none;
  font-size: 14px;
  font-weight: 750;
  line-height: 1.6;
}

.modern-loan-accordion .accordion-button:not(.collapsed) {
  color: var(--docs-primary);
  background: #fff;
}

.modern-loan-accordion .accordion-button:focus {
  border-color: transparent;
  box-shadow: inset 0 0 0 2px rgba(23, 107, 85, .15);
}

.modern-loan-accordion .accordion-button::after {
  width: 15px;
  height: 15px;
  background-size: 15px;
  transition: transform .25s ease;
}

.faq-number {
  display: flex;
  flex: 0 0 38px;
  width: 38px;
  height: 38px;
  align-items: center;
  justify-content: center;
  color: #6b7d73;
  background: #f2f5f2;
  border-radius: 11px;
  font-size: 14px;
  font-weight: 800;
  transition: background .25s ease, color .25s ease;
}

.accordion-button:not(.collapsed) .faq-number {
  color: #fff;
  background: var(--docs-primary);
}

.faq-question {
  flex: 1;
}

.modern-loan-accordion .accordion-body {
  padding: 0 23px 24px 76px;
  color: var(--docs-muted);
  font-size: 14px;
  line-height: 1.9;
}

.faq-answer {
  margin: 0 0 16px;
}

/* Document tiles */
.document-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.document-item {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 53px;
  padding: 12px;
  color: var(--docs-ink);
  background: #f8faf8;
  border: 1px solid #edf1ed;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 650;
}

.document-item i {
  color: var(--docs-primary);
  font-size: 17px;
}

.faq-note {
  padding: 12px 14px;
  color: #586d61;
  background: #f0f7f2;
  border-radius: 9px;
  font-size: 14px;
  line-height: 1.8;
}

.faq-note i {
  color: var(--docs-primary);
}

.faq-inline-link {
  display: inline-block;
  margin-left: 4px;
  color: var(--docs-primary);
  font-weight: 750;
}

.faq-inline-link:hover {
  color: var(--docs-primary-dark);
  text-decoration: underline;
}

/* Footer support */
.faq-footer {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  padding: 17px 19px;
  color: var(--docs-muted);
  background: #edf4ef;
  border: 1px solid #e2ece5;
  border-radius: 12px;
  font-size: 14px;
}

.faq-footer>i {
  color: var(--docs-primary);
  font-size: 18px;
}

.faq-footer a {
  color: var(--docs-primary);
  font-weight: 800;
}

.faq-footer a:hover {
  text-decoration: underline;
}

/* Loan docs responsive */
@media (max-width: 991.98px) {
  .docs-intro {
    position: static;
  }

  .docs-title {
    max-width: 520px;
  }

  .docs-description {
    max-width: 550px;
  }
}

@media (max-width: 575.98px) {
  .loan-docs-section {
    padding-top: 20px !important;
    padding-bottom: 20px !important;
  }

  .docs-title {
    font-size: 2.25rem;
    letter-spacing: -1.1px;
  }

  .modern-loan-accordion .accordion-button {
    gap: 11px;
    padding: 17px 14px;
    font-size: 14px;
  }

  .faq-number {
    flex-basis: 33px;
    width: 33px;
    height: 33px;
    border-radius: 9px;
  }

  .modern-loan-accordion .accordion-body {
    padding: 0 15px 20px;
    font-size: 14px;
  }

  .document-grid {
    gap: 8px;
  }

  .document-item {
    gap: 7px;
    padding: 10px 8px;
    font-size: 14px;
  }

  .faq-footer {
    align-items: flex-start;
  }
}

/* ==========================================================================
   11b. Project
   ========================================================================== */
.project-item,
.project-item .project-img {
  position: relative;
}

.project-item .project-img a {
  position: absolute;
  top: 0;
  left: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 100%;
  background: rgba(255, 255, 255, .5);
  border-radius: 8px;
  opacity: 0;
  transition: .5s;
}

.project-item:hover .project-img a {
  opacity: 1;
}

.project-item .project-title {
  position: absolute;
  top: 3rem;
  right: 0;
  bottom: 0;
  left: 3rem;
  display: flex;
  align-items: flex-end;
  padding: 18px;
  border: 1px solid var(--light);
  border-radius: 8px;
  z-index: -1;
  transition: .5s;
}

.project-item:hover .project-title {
  background: var(--primary);
  border-color: var(--primary);
}

.project-item .project-title h4 {
  transition: .5s;
}

.project-item:hover .project-title h4 {
  color: #fff;
}

.project-carousel .owl-nav {
  display: flex;
  justify-content: center;
  margin-top: 25px;
}

.project-carousel .owl-nav .owl-prev,
.project-carousel .owl-nav .owl-next {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 45px;
  height: 45px;
  margin: 0 12px;
  font-size: 22px;
  color: var(--primary);
  background: var(--light);
  border-radius: 45px;
  transition: .5s;
}

.project-carousel .owl-nav .owl-prev:hover,
.project-carousel .owl-nav .owl-next:hover {
  color: var(--light);
  background: var(--primary);
}

/* ==========================================================================
   12. Team
   ========================================================================== */
.team-item {
  position: relative;
  box-sizing: border-box;
  transition: opacity .4s ease, transform .4s ease;
}

.team-item.hidden-item {
  display: none !important;
  opacity: 0;
  transform: scale(.95);
  pointer-events: none;
}

.team-item img {
  position: relative;
  z-index: 2;
}

.team-item .team-text {
  position: absolute;
  top: 0;
  right: 3rem;
  bottom: 0;
  left: 3rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  padding: 15px;
  border: 1px solid var(--light);
  border-radius: 8px;
  transition: .5s;
  z-index: 1;
}

.team-item:hover .team-text {
  background: var(--primary);
  border-color: var(--primary);
}

.team-item .team-text h4 {
  transition: .5s;
}

.team-item:hover .team-text h4 {
  color: #fff;
}

.team-item .team-social .btn {
  color: var(--primary);
  background: var(--light);
}

.team-item:hover .team-social .btn {
  background: #fff;
}

.team-item:hover .team-social .btn:hover {
  color: var(--light);
  background: var(--primary);
}

.team-card-wrapper {
  transition: all .35s cubic-bezier(.4, 0, .2, 1);
}

.team-card-wrapper:hover {
  transform: translateY(-8px);
}

.team-card-wrapper:hover .card-elevated {
  border-color: #38bdf8;
  box-shadow: 0 20px 25px -5px rgb(0 0 0 / .1), 0 8px 10px -6px rgb(0 0 0 / .1);
}

.team-item-img {
  position: relative;
  overflow: hidden;
  background: #fff;
  border-radius: .75rem;
}

.team-item-img img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  transition: transform .5s ease;
}

.team-card-wrapper:hover .team-item-img img {
  transform: scale(1.08);
}

.team-text-overlay {
  position: absolute;
  right: 0;
  bottom: 0;
  left: 0;
  padding: 1.75rem 1rem 1rem;
  color: #fff;
  background: linear-gradient(to top, rgba(15, 23, 42, .9) 0%, rgba(15, 23, 42, 0) 100%);
  border-bottom-left-radius: .75rem;
  border-bottom-right-radius: .75rem;
}

.team-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
  padding: 1.5rem;
  text-align: center;
  background: #fff;
  border: 1px solid var(--card-border);
  border-radius: 1rem;
  box-shadow: 0 4px 6px -1px rgb(0 0 0 / .05);
  transition: all .3s ease;
}

.avatar {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100px;
  height: 100px;
  margin: 0 auto 1.25rem;
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
  border-radius: 50%;
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, .1);
}

.dept-leadership {
  background: linear-gradient(135deg, #4f46e5 0%, #3730a3 100%);
}

.dept-lending {
  background: linear-gradient(135deg, #0284c7 0%, #0369a1 100%);
}

.dept-risk {
  background: linear-gradient(135deg, #d97706 0%, #b45309 100%);
}

.dept-support {
  background: linear-gradient(135deg, #059669 0%, #047857 100%);
}

/* ---------- Teams carousel ---------- */
.teams-section {
  font-family: "Plus Jakarta Sans", system-ui, sans-serif;
  background: #f8fafc;
  padding: 4.5rem 0;
}

.teams-viewport {
  position: relative;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 7%, #000 93%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 7%, #000 93%, transparent 100%);
}

.teams-track {
  display: flex;
  gap: 1.25rem;
  overflow-x: auto;
  overflow-y: hidden;
  padding: 1rem 1.25rem 1.5rem;
  scrollbar-width: none;
  -ms-overflow-style: none;
  cursor: grab;
  user-select: none;
  -webkit-user-select: none;
  touch-action: pan-x pan-y;
}

.teams-track::-webkit-scrollbar {
  display: none;
}

.teams-track.is-dragging {
  cursor: grabbing;
}

.teams-track.is-dragging .teams-card {
  pointer-events: none;
}

.teams-card {
  --tone: #3b82f6;
  --tint: #dbeafe;
  flex: 0 0 auto;
  width: 248px;
  appearance: none;
  border: 1px solid #e2e8f0;
  background: #fff;
  border-radius: 1.25rem;
  padding: 0;
  text-align: left;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.teams-card:hover,
.teams-card:focus-visible {
  transform: translateY(-6px);
  border-color: var(--tone);
  box-shadow: 0 18px 36px -18px color-mix(in srgb, var(--tone) 55%, transparent);
}

.teams-card:focus-visible {
  outline: 3px solid var(--tone);
  outline-offset: 3px;
}

.teams-card__photo {
  height: 170px;
  background: var(--tint);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.teams-card__avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  overflow: hidden;
  background: var(--tone);
  color: #fff;
  font-weight: 800;
  font-size: 1.9rem;
  letter-spacing: .02em;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 4px solid #fff;
  box-shadow: 0 8px 20px -8px rgba(15, 23, 42, .35);
}

.teams-card__avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.teams-card__exp {
  position: absolute;
  right: .75rem;
  top: .75rem;
  background: #fff;
  color: #0f172a;
  font-size: .72rem;
  font-weight: 700;
  padding: .25rem .6rem;
  border-radius: 999px;
}

.teams-card__body {
  padding: 1.1rem 1.15rem 1.2rem;
  display: flex;
  flex-direction: column;
  gap: .2rem;
}

.teams-card__name {
  font-size: 1.05rem;
  font-weight: 700;
  color: #0f172a;
  margin: 0;
}

.teams-card__role {
  font-size: .85rem;
  font-weight: 500;
  color: #64748b;
  margin: 0 0 .65rem;
}

.teams-card__dept {
  align-self: flex-start;
  font-size: .75rem;
  font-weight: 600;
  color: var(--tone);
  background: var(--tint);
  padding: .22rem .65rem;
  border-radius: 999px;
}

.teams-nav {
  display: flex;
  gap: .5rem;
}

.teams-nav .btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  padding: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

/* ==========================================================================
   13. Testimonial
   ========================================================================== */
.testimonial-item {
  position: relative;
  padding-top: 30px;
  text-align: center;
}

.testimonial-item .testimonial-text {
  position: relative;
  text-align: center;
}

.testimonial-item .testimonial-text .btn-square {
  position: absolute;
  top: -30px;
  left: 50%;
  width: 60px;
  height: 60px;
  transform: translateX(-50%);
}

.testimonial-item .testimonial-text::before,
.testimonial-item .testimonial-text::after {
  content: "";
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  border: 30px solid;
}

.testimonial-item .testimonial-text::before {
  bottom: -60px;
  border-color: var(--light) transparent transparent transparent;
}

.testimonial-item .testimonial-text::after {
  bottom: -59px;
  border-color: #fff transparent transparent transparent;
}

.testimonial-carousel .owl-item img {
  width: 100px;
  height: 100px;
  margin: 0 auto;
}

.testimonial-carousel .owl-dots {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  margin-top: 25px;
}

.testimonial-carousel .owl-dot {
  position: relative;
  display: inline-block;
  width: 30px;
  height: 30px;
  margin: 0 5px;
  border: 1px solid var(--light);
  border-radius: 30px;
  transition: .5s;
}

.testimonial-carousel .owl-dot::after {
  content: "";
  position: absolute;
  top: 6px;
  left: 6px;
  width: 16px;
  height: 16px;
  background: var(--light);
  border-radius: 16px;
  transition: .5s;
}

.testimonial-carousel .owl-dot.active {
  border-color: var(--primary);
}

.testimonial-carousel .owl-dot.active::after {
  background: var(--primary);
}

/* ==========================================================================
   14. Forms, accordion & CTA
   ========================================================================== */
.form-control {
  border-color: #b6c6d0;
  border-radius: 6px;
}

.form-control:focus {
  border-color: var(--harbor);
  box-shadow: 0 0 0 .2rem rgba(11, 92, 115, .2);
}

.accordion-item {
  border-color: var(--line);
}

.accordion-button {
  font-weight: 600;
  color: var(--ink);
}

.accordion-button:not(.collapsed) {
  color: var(--harbor-dk);
  background: var(--mist);
  box-shadow: none;
}

.accordion-button:focus {
  border-color: var(--harbor);
  box-shadow: 0 0 0 .2rem rgba(11, 92, 115, .2);
}

.cta-band {
  padding: 3.5rem 0;
  color: #fff;
  background: var(--ink);
}

.cta-band p {
  margin: 0;
  color: #c4d3de;
}

/* ==========================================================================
   15. Footer
   ========================================================================== */
.footer .btn.btn-link {
  display: block;
  margin-bottom: 5px;
  padding: 0;
  text-align: left;
  text-transform: capitalize;
  font-weight: normal;
  color: var(--light);
  transition: .3s;
}

.footer .btn.btn-link::before {
  content: "\f105";
  position: relative;
  margin-right: 10px;
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
}

.footer .btn.btn-link:hover {
  color: var(--primary);
  letter-spacing: 1px;
  box-shadow: none;
}

.copyright {
  color: var(--light);
  background: #000B1C;
}

.copyright a {
  color: var(--light);
}

.copyright a:hover {
  color: var(--primary);
}

/* ==========================================================================
   16. UI components
   ========================================================================== */
.hero-section {
  margin: 2rem 0 2rem;
  padding: 3rem 1.5rem;
  color: #fff;
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  border-radius: 50px 0;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, .1);
}

.hero-badge {
  color: var(--primary-dark);
  background: #e0f2fe;
  border: 1px solid #bae6fd;
}

.search-box {
  position: relative;
}

.search-box i {
  position: absolute;
  top: 50%;
  left: 2rem;
  color: #94a3b8;
  transform: translateY(-50%);
}

.search-input {
  padding-left: 3rem;
  font-size: 1.03rem;
  border: 1px solid var(--card-border);
  border-radius: 50rem;
  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, .05);
}

.filter-btn {
  padding: .5rem 1.25rem;
  font-size: .875rem;
  font-weight: 500;
  color: #475569;
  background: #fff;
  border: 1px solid #cbd5e1;
  border-radius: 2rem;
  transition: all .2s ease;
}

.filter-btn:hover,
.filter-btn.active {
  color: #fff;
  background: var(--accent-color);
  border-color: var(--accent-color);
  box-shadow: 0 4px 12px rgba(2, 132, 199, .25);
}

.product-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  background: #fff;
  border: 1px solid var(--card-border);
  border-radius: 1rem;
  transition: transform .2s ease, box-shadow .2s ease;
}

.product-card:hover {
  border-color: #cbd5e1;
  transform: translateY(-4px);
  box-shadow: 0 12px 20px -5px rgba(0, 0, 0, .08);
}

.product-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  overflow: hidden;
  font-size: 1.5rem;
  background: #fff;
  border: 1px solid var(--card-border);
  border-radius: 14px;
  box-shadow: 0 2px 4px rgba(0, 0, 0, .04);
}

.product-icon img {
  width: 100%;
  height: 100%;
  padding: 4px;
  object-fit: contain;
}

.badge-category {
  padding: .35rem .75rem;
  font-size: .75rem;
  font-weight: 600;
  border-radius: 50rem;
}

.card-footer-custom {
  padding: 1rem 1.25rem;
  background: transparent;
  border-top: 1px solid var(--card-border);
}

.modal-content {
  border: none;
  border-radius: 1rem;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, .25);
}

.criteria-pill {
  margin-bottom: .5rem;
  padding: .5rem .75rem;
  font-size: .875rem;
  background: #f1f5f9;
  border-left: 3px solid var(--accent-color);
  border-radius: .5rem;
}

.modern-badge {
  display: inline-flex;
  align-items: center;
  padding: .25rem .625rem;
  font-size: .75rem;
  font-weight: 600;
  line-height: 1;
  color: #1D4ED8;
  background: #F0F1F2;
  border-radius: 9999px;
}

/* ==========================================================================
   17. Contact
   ========================================================================== */
.contact-card {
  padding: 1.75rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
}

.info-row {
  display: flex;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}

.info-row:last-of-type {
  border-bottom: 0;
}

.info-row i {
  font-size: 1.3rem;
  color: var(--harbor);
}

.info-row .copy-btn {
  align-self: center;
  margin-left: auto;
}

.open-badge {
  display: inline-block;
  padding: .3rem .8rem;
  font-size: .88rem;
  font-weight: 600;
  color: #5e4208;
  background: #f3e3c3;
  border-radius: 999px;
}

.open-badge.is-open {
  color: #165036;
  background: #d4ecdf;
}

/* ==========================================================================
   18. Animations & keyframes
   ========================================================================== */
@keyframes fadeInUpCustom {
  from {
    opacity: 0;
    transform: translateY(100px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes serviceFadeInUp {
  from {
    opacity: 0;
    transform: translate3d(0, 30px, 0);
  }

  to {
    opacity: 1;
    transform: none;
  }
}

@keyframes shimmer {
  0% {
    left: -75%;
  }

  60%,
  100% {
    left: 130%;
  }
}

@keyframes pulse {
  0% {
    box-shadow: 0 0 0 0 rgba(46, 229, 157, .7);
  }

  70% {
    box-shadow: 0 0 0 10px rgba(46, 229, 157, 0);
  }

  100% {
    box-shadow: 0 0 0 0 rgba(46, 229, 157, 0);
  }
}

.animate-fade-in-up {
  opacity: 0;
  animation: fadeInUpCustom .6s ease forwards;
}

/* ==========================================================================
   19. Global responsive
   ========================================================================== */
@media (max-width: 991.98px) {
  .section {
    padding: 3.5rem 0;
  }

  .navbar .navbar-nav {
    margin-top: 10px;
    background: #fff;
    border-top: 1px solid rgba(0, 0, 0, .07);
  }

  .navbar .navbar-nav .nav-link {
    padding: 10px 0;
  }

  .navbar .navbar-nav .nav-link.active {
    background: var(--mist);
    box-shadow: none;
  }
}

/* ==========================================================================
   20. Reduced motion (all prefers-reduced-motion rules, merged)
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  * {
    transition: none !important;
    animation: none !important;
  }

  .teams-card,
  .loan-compare-table tbody tr,
  .loan-compare-table .btn-outline-harbor {
    transition: none;
  }

  .loan-compare-table .btn-outline-harbor:hover {
    transform: none;
  }

  .loan-docs-section *,
  .loan-docs-section *::before,
  .loan-docs-section *::after {
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
}