@import url("https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Fraunces:opsz,wght@9..144,600;9..144,700&display=swap");

*{
  margin:0;
  padding:0;
  box-sizing:border-box;
}

:root{
  --ink:#0f172a;
  --muted:#556375;
  --line:#d2e3ea;
  --soft:#f5f8fb;
  --panel:#ffffff;
  --brand:#0b6e4f;
  --brand-dark:#07543c;
  --accent:#115e9b;
  --danger:#c2410c;
  --shadow:0 16px 38px rgba(15,23,42,0.07);
  --radius:14px;
}

html{
  scroll-behavior:smooth;
}

body{
  font-family:"Manrope","Segoe UI",sans-serif;
  background:
    radial-gradient(1200px 500px at 92% -10%, rgba(17,94,155,0.03), transparent 60%),
    radial-gradient(900px 400px at -10% 5%, rgba(11,110,79,0.03), transparent 55%),
    var(--soft);
  color:var(--ink);
  line-height:1.6;
  overflow-x:hidden;
}

a{
  color:inherit;
}

button,
input,
textarea{
  font:inherit;
}

button,
.nav-btn,
.hero-btn,
.back-home{
  background:linear-gradient(135deg,var(--brand),#0a8a62);
  color:#fff;
  border:none;
  border-radius:12px;
  padding:13px 22px;
  font-weight:800;
  letter-spacing:0.01em;
  text-decoration:none;
  cursor:pointer;
  transition:transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

.site-header .nav-btn{
  padding:10px 16px;
  font-size:14px;
}

button:hover,
.nav-btn:hover,
.hero-btn:hover,
.back-home:hover{
  background:linear-gradient(135deg,var(--brand-dark),#086346);
  transform:translateY(-2px);
  box-shadow:0 14px 24px rgba(11,110,79,0.24);
}

.top-alert{
  background:#0f4f7f;
  color:#fff;
  text-align:center;
  padding:8px 16px;
  font-size:13px;
  font-weight:800;
  letter-spacing:0.02em;
}

.site-header{
  position:sticky;
  top:0;
  z-index:20;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  padding:12px 8%;
  background:rgba(255,255,255,0.96);
  border-bottom:1px solid rgba(17,94,155,0.15);
  backdrop-filter:blur(10px);
}

.logo{
  font-family:"Fraunces",serif;
  font-size:22px;
  font-weight:700;
  letter-spacing:0;
  text-decoration:none;
  color:var(--brand);
}

.site-nav{
  display:flex;
  align-items:center;
  gap:18px;
  color:var(--muted);
  font-weight:700;
  font-size:14px;
}

.site-nav a{
  text-decoration:none;
  position:relative;
}

.site-nav a:hover{
  color:var(--brand);
}

.site-nav a::after{
  content:"";
  position:absolute;
  left:0;
  bottom:-4px;
  width:0;
  height:2px;
  background:var(--brand);
  transition:width 0.2s ease;
}

.site-nav a:hover::after{
  width:100%;
}

.hero{
  display:grid;
  grid-template-columns:minmax(0,1.15fr) minmax(280px,0.85fr);
  gap:40px;
  align-items:center;
  padding:50px 8%;
  background:
    linear-gradient(135deg,rgba(8,31,58,0.96),rgba(11,110,79,0.82)),
    url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1600&q=80");
  background-size:cover;
  background-position:center;
  color:#fff;
}

.hero-content{
  max-width:760px;
  padding:20px 24px;
  border:1px solid rgba(255,255,255,0.10);
  border-radius:20px;
  background:rgba(15,23,42,0.18);
  backdrop-filter:blur(10px);
  box-shadow:0 18px 50px rgba(2,6,23,0.18);
}

.hero-content::before{
  content:"";
  display:block;
  width:72px;
  height:4px;
  border-radius:999px;
  background:linear-gradient(90deg,#ffffff,rgba(255,255,255,0.15));
  margin-bottom:18px;
}

.eyebrow{
  font-size:14px;
  font-weight:900;
  text-transform:uppercase;
  margin-bottom:14px;
}

.hero h1{
  font-family:"Fraunces",serif;
  font-size:clamp(32px,4vw,48px);
  line-height:1.08;
  margin-bottom:20px;
  letter-spacing:-0.02em;
}

.hero p{
  font-size:18px;
  max-width:650px;
  color:rgba(255,255,255,0.92);
  line-height:1.72;
}

.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:30px;
}

.secondary-btn,
.secondary-link{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:12px 20px;
  border:1px solid rgba(255,255,255,0.65);
  border-radius:12px;
  color:#fff;
  text-decoration:none;
  font-weight:800;
}

.secondary-link{
  color:var(--brand);
  border-color:var(--line);
  background:#fff;
}

.hero-panel{
  display:grid;
  gap:14px;
  padding:8px;
}

.hero-panel div{
  background:rgba(255,255,255,0.16);
  border:1px solid rgba(255,255,255,0.14);
  border-radius:14px;
  padding:20px;
  backdrop-filter:blur(8px);
}

.hero-panel span{
  font-family:"Fraunces",serif;
  letter-spacing:-0.02em;
}

.hero-panel span{
  display:block;
  font-size:28px;
  font-weight:900;
  margin-bottom:4px;
}

.hero-panel p{
  font-size:14px;
}

.features,
.stats,
.steps,
.support-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  padding:48px 8%;
}

.features,
.stats,
.steps,
.support-grid,
.calculator,
.loans,
.how-it-works,
.testimonials,
.faq,
.support{
  position:relative;
}

.features,
.stats,
.steps,
.support-grid{
  background:linear-gradient(180deg,rgba(255,255,255,0.82),rgba(255,255,255,0.96));
  border-top:1px solid rgba(210,227,234,0.65);
  border-bottom:1px solid rgba(210,227,234,0.65);
}

.features div,
.stat-box,
.step,
.support-card,
.loan-card,
.testimonial,
.calculator-box,
.application-page,
.success-page,
.status-page,
.admin-card{
  background:var(--panel);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

.features div,
.stat-box,
.step,
.support-card,
.loan-card,
.testimonial,
.info-card,
.admin-card{
  position:relative;
  overflow:hidden;
}

.features div::before,
.stat-box::before,
.step::before,
.support-card::before,
.loan-card::before,
.testimonial::before,
.info-card::before,
.admin-card::before{
  content:"";
  position:absolute;
  left:0;
  top:0;
  width:100%;
  height:4px;
  background:linear-gradient(90deg,#0b6e4f,#0d5d93);
}

.stat-box h2,
.loan-card h3,
.admin-card h3,
.info-card h2,
.support-card h3{
  letter-spacing:-0.01em;
}

.features div,
.stat-box,
.step,
.support-card{
  padding:28px;
}

.features h3,
.step h3,
.support-card h3{
  margin-bottom:10px;
}

.features p,
.stat-box p,
.step p,
.support-card p,
.section-intro,
.form-intro,
.testimonial-subtitle{
  color:var(--muted);
}

.loan-card,
.testimonial,
.support-card,
.info-card,
.admin-card,
.success-details,
.status-result,
.verification-card,
.verify-row{
  overflow-wrap:anywhere;
}

.calculator,
.loans,
.how-it-works,
.testimonials,
.faq,
.support{
  padding:58px 8%;
  text-align:center;
}

.calculator .section-intro,
.loans .section-intro,
.how-it-works .section-intro,
.testimonials .section-intro,
.faq .section-intro,
.support .support-text{
  max-width:720px;
}

.calculator h2,
.loans h2,
.how-it-works h2,
.testimonials h2,
.faq h2,
.support h2{
  font-family:"Fraunces",serif;
  font-size:clamp(32px,3.4vw,42px);
  margin-bottom:10px;
}

.section-intro,
.testimonial-subtitle,
.support-text{
  max-width:680px;
  margin:0 auto 28px;
}

.calculator-box{
  max-width:520px;
  margin:0 auto;
  padding:30px;
  text-align:left;
}

label{
  display:block;
  margin-bottom:8px;
  color:var(--ink);
  font-size:14px;
  font-weight:800;
}

input,
textarea{
  width:100%;
  padding:15px;
  border:1px solid var(--line);
  border-radius:12px;
  color:var(--ink);
  background:#fbfdff;
  outline:none;
}

textarea{
  resize:vertical;
  min-height:120px;
}

input[type="file"]{
  padding:12px;
}

input:focus,
textarea:focus{
  border-color:var(--accent);
  box-shadow:0 0 0 4px rgba(11,114,185,0.12);
}

.calculator-box button,
.status-page button{
  width:100%;
  margin:18px 0;
}

.success-details,
.status-result,
.form-response{
  background:#eefaf3;
  border:1px solid #bce7cd;
  border-radius:12px;
  padding:12px;
  color:#14532d;
}

.calculator-result p,
.success-details p,
.status-result p{
  margin-bottom:5px;
  font-size:13px;
}

.loan-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
}

.loan-card{
  padding:18px;
  text-align:center;
  transition:transform 0.2s ease, box-shadow 0.2s ease;
  background:#fff;
}

.loan-card:hover{
  transform:translateY(-6px);
  box-shadow:0 28px 58px rgba(15,23,42,0.14);
}

.loan-card h3{
  color:var(--accent);
  font-size:23px;
  margin-bottom:8px;
}

.loan-card p{
  color:var(--muted);
  margin-bottom:8px;
  font-size:14px;
}

.loan-card button{
  width:100%;
  margin-top:6px;
  padding:11px 14px;
}

.hidden-loan{
  display:none;
}

.show-more-btn{
  margin-top:34px;
}

.stat-box{
  text-align:center;
}

.stat-box h2{
  color:var(--brand);
  font-size:clamp(32px,3.5vw,40px);
}

.step{
  text-align:left;
}

.step span{
  display:inline-flex;
  width:42px;
  height:42px;
  align-items:center;
  justify-content:center;
  border-radius:50%;
  background:var(--brand);
  color:#fff;
  font-weight:900;
  margin-bottom:16px;
}

.testimonial-slider{
  overflow-x:auto;
  padding:4px 0 18px;
}

.testimonial-track{
  display:flex;
  gap:18px;
}

.testimonial{
  min-width:340px;
  padding:26px;
  text-align:left;
  background:#fff;
}

.testimonial p{
  color:var(--muted);
  margin-bottom:18px;
}

.testimonial h4{
  color:var(--brand);
}

.faq-container{
  max-width:850px;
  margin:0 auto;
  text-align:left;
}

.faq-item{
  background:#fff;
  border:1px solid var(--line);
  border-radius:12px;
  margin-bottom:14px;
  overflow:hidden;
}

.faq-question{
  width:100%;
  background:#fff;
  color:var(--ink);
  text-align:left;
  padding:20px;
  border-radius:0;
}

.faq-question:hover{
  background:#f8fbf9;
  color:var(--ink);
  transform:none;
}

.faq-answer{
  display:none;
  padding:0 20px 20px;
  color:var(--muted);
}

.support{
  padding-bottom:70px;
}

.footer{
  background:var(--ink);
  color:#fff;
  padding:58px 8% 24px;
}

.footer-box h3,
.footer-bottom{
  letter-spacing:0.01em;
}

.footer-grid{
  display:grid;
  grid-template-columns:1.5fr 1fr 1fr;
  gap:30px;
}

.footer-box h3{
  margin-bottom:16px;
}

.footer-box p,
.footer-box a,
.footer-bottom{
  color:#b8c5bf;
}

.footer-box a{
  display:block;
  margin-bottom:10px;
  text-decoration:none;
}

.footer-box a:hover{
  color:#fff;
}

.footer-bottom{
  border-top:1px solid rgba(255,255,255,0.12);
  margin-top:38px;
  padding-top:18px;
  text-align:center;
}

.live-activity{
  position:fixed;
  left:20px;
  bottom:20px;
  width:min(190px,calc(100% - 40px));
  background:linear-gradient(180deg,rgba(255,255,255,0.58) 0%,rgba(248,251,255,0.45) 100%);
  border:1px solid rgba(170,194,209,0.62);
  border-radius:10px;
  box-shadow:0 14px 30px rgba(15,23,42,0.1);
  backdrop-filter:blur(6px);
  -webkit-backdrop-filter:blur(6px);
  padding:6px;
  z-index:30;
  opacity:0;
  transform:translateY(14px) scale(0.98);
  transition:opacity 0.25s ease, transform 0.25s ease;
  pointer-events:none;
}

.live-activity.is-visible{
  opacity:1;
  transform:translateY(0) scale(1);
}

.live-activity::before{
  content:"";
  position:absolute;
  left:0;
  top:0;
  width:100%;
  height:3px;
  border-top-left-radius:10px;
  border-top-right-radius:10px;
  background:linear-gradient(90deg,var(--brand),var(--accent));
}

.activity-row{
  text-align:left;
  padding:3px 1px;
}

.activity-row + .activity-row{
  border-top:1px solid rgba(220,230,238,0.6);
}

.activity-label{
  display:block;
  margin-bottom:1px;
  font-size:8px;
  font-weight:900;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:#476278;
}

.activity-row strong,
.activity-row p{
  font-size:10px;
  line-height:1.25;
  color:#0f172a;
}

.activity-row strong{
  display:flex;
  align-items:center;
  gap:6px;
}

.activity-row strong::before{
  content:"";
  width:7px;
  height:7px;
  border-radius:50%;
  background:#16a34a;
  box-shadow:0 0 0 3px rgba(22,163,74,0.2);
  animation:livePulse 1.8s ease-out infinite;
}

.activity-row p{
  margin:0;
  color:#1e293b;
  font-weight:700;
}

.application-page,
.success-page,
.status-page{
  max-width:540px;
  margin:18px auto;
  padding:24px;
}

.application-page h1,
.success-page h1,
.status-page h1{
  margin:12px 0 10px;
  text-align:center;
}

.real-form{
  display:flex;
  flex-direction:column;
  gap:10px;
  margin-top:14px;
}

.real-form button{
  margin-top:8px;
}

.back-link{
  color:var(--brand);
  font-weight:800;
  text-decoration:none;
}

.application-offer-header{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px;
  margin-top:14px;
  padding:14px;
  border:1px solid #bce7cd;
  border-radius:12px;
  background:#eefaf3;
}

.application-offer-header div{
  padding:14px;
  border-radius:12px;
  background:#fff;
}

.application-offer-header span{
  display:block;
  color:var(--muted);
  font-size:13px;
  font-weight:800;
  margin-bottom:4px;
}

.application-offer-header strong{
  display:block;
  color:var(--brand);
  font-size:20px;
}

.application-offer-header p{
  grid-column:1 / -1;
  color:#14532d;
  font-weight:900;
  text-align:center;
}

.success-page{
  text-align:center;
}

.withdraw-page{
  min-height:auto;
  padding:20px 16px;
  display:flex;
  align-items:flex-start;
  justify-content:center;
}

.withdraw-card,
.verification-screen{
  width:min(760px,100%);
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px;
  box-shadow:var(--shadow);
  padding:26px;
  text-align:center;
}

.verification-screen{
  margin-top:16px;
}

.track-overview{
  margin-top:14px;
  padding:14px;
  border:1px solid #cfe0ec;
  border-radius:12px;
  background:linear-gradient(180deg,#f9fbff 0%,#f2f7ff 100%);
  text-align:left;
}

.track-row{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:10px;
  padding:8px 0;
  border-bottom:1px solid #dbe7f2;
}

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

.track-row span{
  font-size:13px;
  font-weight:800;
  color:#4b5563;
}

.track-pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:30px;
  padding:6px 12px;
  border-radius:999px;
  font-size:12px;
  font-weight:900;
  letter-spacing:0.01em;
}

.track-pill.review{
  background:#e0efff;
  color:#0b5f9f;
}

.track-pill.approved,
.track-pill.completed{
  background:#dcfce7;
  color:#166534;
}

.track-pill.rejected,
.track-pill.failed{
  background:#fee2e2;
  color:#991b1b;
}

.track-pill.processing,
.track-pill.pending{
  background:#fef3c7;
  color:#92400e;
}

.track-pill.cancelled{
  background:#ffedd5;
  color:#9a3412;
}

.track-next{
  margin-top:10px;
  color:#374151;
  font-size:13px;
  font-weight:700;
}

.track-timeline{
  margin-top:14px;
  padding:12px;
  border:1px solid #d7e4ef;
  border-radius:12px;
  background:#f8fbff;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:10px;
  text-align:left;
}

.timeline-step{
  display:flex;
  gap:10px;
  align-items:flex-start;
  padding:10px;
  border:1px solid #d8e2ec;
  border-radius:10px;
  background:#fff;
}

.timeline-step span{
  width:24px;
  height:24px;
  border-radius:50%;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font-size:12px;
  font-weight:900;
  background:#cbd5e1;
  color:#1f2937;
  flex:0 0 auto;
}

.timeline-step strong{
  display:block;
  font-size:13px;
  color:#111827;
  margin-bottom:2px;
}

.timeline-step p{
  font-size:12px;
  color:#64748b;
}

.timeline-step.done{
  border-color:#bce7cd;
  background:#eefaf3;
}

.timeline-step.done span{
  background:#16a34a;
  color:#fff;
}

.timeline-step.active{
  border-color:#bfdbfe;
  background:#eaf2ff;
}

.timeline-step.active span{
  background:#1d4ed8;
  color:#fff;
}

.timeline-step.pending{
  opacity:0.92;
}

.withdraw-card h1,
.verification-screen h1{
  margin:10px 0;
}

.hidden{
  display:none !important;
}

.success-icon{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:52px;
  height:52px;
  border-radius:50%;
  background:var(--brand);
  color:#fff;
  font-weight:900;
  margin-bottom:12px;
}

.button-row{
  display:flex;
  justify-content:center;
  flex-wrap:wrap;
  gap:12px;
  margin-top:22px;
}

.loader{
  width:64px;
  height:64px;
  border:6px solid #dce7e2;
  border-top-color:var(--brand);
  border-radius:50%;
  margin:0 auto 24px;
  animation:spin 1s linear infinite;
}

.mini-loader{
  flex:0 0 auto;
  width:18px;
  height:18px;
  border:3px solid #dce7e2;
  border-top-color:var(--brand);
  border-radius:50%;
  margin-top:3px;
  animation:spin 0.9s linear infinite;
}

.verification-list{
  display:grid;
  gap:8px;
  margin:16px 0 4px;
  text-align:left;
}

.verify-row{
  display:flex;
  gap:10px;
  align-items:flex-start;
  padding:12px;
  border:1px solid var(--line);
  border-radius:12px;
  background:linear-gradient(180deg,#fbfdfc 0%,#f4faf6 100%);
  color:var(--muted);
}

.verify-row strong{
  display:block;
  color:var(--ink);
  margin-bottom:3px;
}

.verify-row.active{
  border-color:#bce7cd;
  background:#eefaf3;
}

.verify-row.done{
  border-color:#bce7cd;
  background:#eefaf3;
  color:#14532d;
}

.payment-panel{
  margin-top:16px;
  padding:18px;
  background:linear-gradient(180deg,#fcfeff 0%,#f6fbf8 100%);
  border:1px solid var(--line);
  border-radius:12px;
  text-align:left;
}

.payment-panel h2{
  margin-bottom:8px;
}

.payment-panel input{
  margin-bottom:14px;
}

.payment-panel button{
  width:100%;
}

.stk-panel{
  position:fixed;
  inset:0;
  z-index:78;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:24px;
  border:1px solid rgba(188,231,205,0.88);
  background:rgba(239,248,244,0.92);
  backdrop-filter:blur(8px);
  overflow-y:auto;
}

.screen-loader-overlay{
  position:fixed;
  inset:0;
  z-index:80;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:24px;
  background:rgba(16,32,26,0.55);
  backdrop-filter:blur(5px);
  overflow-y:auto;
}

.screen-loader-card{
  width:min(340px,100%);
  padding:28px;
  border:1px solid var(--line);
  border-radius:12px;
  background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
  box-shadow:var(--shadow);
  text-align:center;
}

.screen-loader-card strong{
  display:block;
  margin-bottom:8px;
  font-size:18px;
}

.screen-loader-card p{
  color:var(--muted);
}

.mini-phone{
  width:min(680px,100%);
  max-height:calc(100dvh - 48px);
  margin:0 auto;
  padding:44px;
  border:1px solid var(--line);
  border-radius:24px;
  background:linear-gradient(180deg,#ffffff 0%,#f9fcff 100%);
  box-shadow:0 22px 48px rgba(15,23,42,0.14);
  overflow-y:auto;
  text-align:center;
}

.phone-bar{
  width:74px;
  height:6px;
  margin:0 auto 18px;
  border-radius:999px;
  background:#d1d5db;
}

.mini-phone h3{
  margin-bottom:18px;
  font-family:"Fraunces",serif;
  font-size:32px;
}

.mini-phone p{
  color:var(--muted);
  font-size:20px;
  line-height:1.65;
}

.stk-loader{
  width:46px;
  height:46px;
  border:5px solid #dce7e2;
  border-top-color:var(--brand);
  border-radius:50%;
  margin:18px auto 0;
  animation:spin 1s linear infinite;
}

.stk-actions{
  display:flex;
  gap:10px;
  margin-top:34px;
}

.stk-actions button{
  flex:1;
}

.secondary-action{
  background:#374151;
}

.secondary-action:hover{
  background:#111827;
}

.withdraw-status{
  margin-top:18px;
  padding:16px;
  border-radius:12px;
  text-align:left;
  box-shadow:var(--shadow);
}

.withdraw-status.success{
  background:#eefaf3;
  border:1px solid #bce7cd;
  color:#14532d;
}

.withdraw-status.warning{
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#9a3412;
}

.withdraw-status.error{
  background:#fef2f2;
  border:1px solid #fecaca;
  color:#991b1b;
}

.withdraw-status p{
  margin-top:6px;
}

@keyframes spin{
  to{
    transform:rotate(360deg);
  }
}

@keyframes livePulse{
  0%{
    box-shadow:0 0 0 0 rgba(22,163,74,0.28);
  }
  100%{
    box-shadow:0 0 0 10px rgba(22,163,74,0);
  }
}

.status{
  display:inline-flex;
  align-items:center;
  min-height:30px;
  padding:5px 12px;
  border-radius:999px;
  font-size:14px;
  font-weight:800;
}

.pending{
  background:#fef3c7;
  color:#92400e;
}

.approved{
  background:#dcfce7;
  color:#166534;
}

.rejected{
  background:#fee2e2;
  color:#991b1b;
}

.error-text{
  color:#b91c1c;
}

.verification-card{
  display:flex;
  gap:12px;
  align-items:flex-start;
  padding:14px;
  border:1px solid var(--line);
  border-radius:12px;
  background:linear-gradient(180deg,#fbfdfc 0%,#f4faf6 100%);
  color:var(--muted);
  font-size:14px;
}

.verification-card strong{
  display:block;
  color:var(--ink);
  margin-bottom:3px;
}

.verification-card.success{
  background:#eefaf3;
  border-color:#bce7cd;
  color:#14532d;
}

.verification-card.warning{
  background:#fff7ed;
  border-color:#fed7aa;
  color:#9a3412;
}

.verification-card.error{
  background:#fef2f2;
  border-color:#fecaca;
  color:#991b1b;
}

.check-dot{
  flex:0 0 auto;
  width:20px;
  height:20px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border-radius:50%;
  margin-top:1px;
  background:#94a3b8;
}

.success-dot{
  background:#16a34a;
}

.success-dot::after{
  content:"✓";
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
}

.warning-dot{
  background:#f97316;
}

.error-dot{
  background:#dc2626;
}

.toast-stack{
  position:fixed;
  right:18px;
  bottom:18px;
  display:grid;
  gap:10px;
  width:min(360px,calc(100% - 36px));
  z-index:50;
}

.toast{
  background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
  border:1px solid var(--line);
  border-left:4px solid var(--brand);
  border-radius:12px;
  box-shadow:var(--shadow);
  padding:14px 16px;
}

.toast strong{
  display:block;
  margin-bottom:4px;
}

.toast p{
  color:var(--muted);
  font-size:14px;
}

.toast.error{
  border-left-color:#dc2626;
}

.content-page{
  padding-bottom:70px;
}

.page-hero{
  padding:78px 8% 54px;
  background:linear-gradient(120deg,#0b6e4f,#0f4f7f);
  color:#fff;
}

.page-hero h1{
  max-width:850px;
  font-family:"Fraunces",serif;
  font-size:clamp(34px,4vw,54px);
  line-height:1.08;
  margin-bottom:18px;
}

.page-hero p{
  max-width:760px;
  color:rgba(255,255,255,0.9);
  font-size:18px;
}

.content-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  padding:42px 8%;
}

.info-card{
  background:linear-gradient(180deg,#ffffff 0%,#fbfdff 100%);
  border:1px solid var(--line);
  border-radius:12px;
  box-shadow:var(--shadow);
  padding:28px;
}

.info-card h2,
.policy-body h2{
  margin-bottom:12px;
}

.info-card p,
.policy-body p,
.muted-note{
  color:var(--muted);
}

.inline-link{
  display:inline-flex;
  margin-top:14px;
  color:var(--brand);
  font-weight:800;
  text-decoration:none;
}

.review-section{
  padding:8px 8% 0;
}

.review-form{
  max-width:820px;
  margin:0 auto;
  background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
  border:1px solid var(--line);
  border-radius:12px;
  box-shadow:var(--shadow);
  padding:32px;
}

.review-form h2{
  margin-bottom:10px;
  color:var(--ink);
}

.review-form .form-intro{
  margin:0 0 22px;
}

.review-fields{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;
}

.full-field{
  grid-column:1 / -1;
}

.review-form label{
  margin-bottom:8px;
}

.review-form button{
  width:100%;
  margin-top:20px;
}

.upload-control{
  border:1px dashed #8fc3de;
  border-radius:12px;
  background:#f4fbff;
  padding:16px;
}

.upload-control input{
  background:#fff;
  cursor:pointer;
}

.upload-control .muted-note{
  margin-top:10px;
  font-size:14px;
}

.form-response{
  display:none;
  margin-top:18px;
}

.form-response.success{
  display:block;
}

.policy-body{
  max-width:880px;
  margin:42px auto 0;
  padding:0 24px;
}

.policy-body h2{
  margin-top:28px;
}

.policy-body ul{
  margin:0 0 18px 20px;
  color:var(--muted);
}

.policy-body li{
  margin-bottom:8px;
}

.setup-status{
  padding:22px 24px;
  border-radius:12px;
  border:1px solid var(--line);
  margin-bottom:28px;
}

.setup-ready{
  background:#ecfdf3;
  border-color:#9fd9b5;
}

.setup-pending{
  background:#fff7ed;
  border-color:#fdba74;
}

.policy-body code{
  background:#eef4f7;
  padding:2px 6px;
  border-radius:4px;
  font-size:0.95em;
}

.admin-header{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:24px 8%;
  background:linear-gradient(140deg,#0f172a,#0b2844);
  color:#fff;
}

.admin-header p{
  color:#b8c5bf;
  font-weight:800;
}

.admin-header h1{
  font-size:30px;
}

.admin-toolbar,
.admin-actions{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}

.logout-btn,
.reject-btn{
  background:#b91c1c;
}

.logout-btn:hover,
.reject-btn:hover{
  background:#991b1b;
}

.delete-btn{
  background:#374151;
}

.delete-btn:hover{
  background:#111827;
}

.admin-search{
  padding:0 8% 10px;
}

.admin-search input{
  background:#fff;
}

.admin-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:20px;
  padding:30px 8% 60px;
}

.admin-card{
  padding:26px;
}

.admin-card h3{
  color:var(--brand);
  margin-bottom:14px;
}

.admin-card p{
  color:var(--muted);
  margin-bottom:10px;
}

@media(max-width:900px){
  .site-header,
  .admin-header{
    align-items:flex-start;
    flex-direction:column;
    gap:14px;
  }

  .site-nav{
    flex-wrap:wrap;
    gap:14px;
    width:100%;
  }

  .hero{
    grid-template-columns:1fr;
    padding:58px 6%;
  }

  .features,
  .stats,
  .steps,
  .support-grid,
  .footer-grid,
  .admin-grid,
  .content-grid{
    grid-template-columns:1fr;
  }

  .loan-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .calculator,
  .loans,
  .how-it-works,
  .testimonials,
  .faq,
  .support,
  .features,
  .stats,
  .steps,
  .support-grid,
  .content-grid,
  .review-section{
    padding-left:6%;
    padding-right:6%;
  }

  .page-hero{
    padding:54px 6% 38px;
  }

  .application-page,
  .success-page,
  .status-page{
    margin:28px 16px;
    padding:24px;
  }

  .live-activity{
    left:12px;
    right:12px;
    bottom:12px;
    width:auto;
  }
}

@media(max-width:560px){
  .top-alert{
    padding:9px 12px;
    font-size:13px;
  }

  .site-header,
  .admin-header{
    padding:12px 5%;
  }

  .site-nav{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:8px;
  }

  .site-nav a{
    min-height:38px;
    display:flex;
    align-items:center;
  }

  .site-header .nav-btn{
    width:100%;
    text-align:center;
  }

  .hero{
    padding:52px 5%;
    gap:28px;
  }

  .hero-content{
    padding:24px 26px;
  }

  .hero-panel{
    padding:4px;
  }

  .hero h1{
    font-size:36px;
    margin-bottom:16px;
  }

  .hero p{
    font-size:16px;
    line-height:1.68;
  }

  .calculator,
  .loans,
  .how-it-works,
  .testimonials,
  .faq,
  .support{
    padding-top:42px;
    padding-bottom:42px;
  }

  .features,
  .stats,
  .steps,
  .support-grid,
  .content-grid{
    padding-top:36px;
    padding-bottom:36px;
  }

  .calculator h2,
  .loans h2,
  .how-it-works h2,
  .testimonials h2,
  .faq h2,
  .support h2{
    font-size:28px;
  }

  .calculator-box,
  .review-form,
  .features div,
  .stat-box,
  .step,
  .support-card,
  .testimonial,
  .info-card,
  .admin-card{
    padding:24px;
  }

  .review-fields{
    grid-template-columns:1fr;
  }

  .loan-grid{
    grid-template-columns:1fr;
  }

  .loan-card{
    padding:18px;
  }

  .application-page,
  .success-page,
  .status-page,
  .withdraw-card,
  .verification-screen{
    padding:28px;
  }

  .track-timeline{
    grid-template-columns:1fr;
  }

  .page-hero h1{
    font-size:32px;
  }

  .page-hero p{
    font-size:16px;
  }

  .hero-actions,
  .button-row,
  .admin-toolbar,
  .admin-actions,
  .stk-actions{
    flex-direction:column;
  }

  .hero-btn,
  .secondary-btn,
  .secondary-link,
  .back-home,
  .admin-toolbar button,
  .admin-actions button,
  .stk-actions button{
    width:100%;
  }

  .testimonial{
    min-width:88%;
  }

  .application-offer-header{
    grid-template-columns:1fr;
  }

  .mini-phone{
    padding:32px 20px;
    border-radius:20px;
  }

  .mini-phone h3{
    font-size:28px;
    margin-bottom:16px;
  }

  .mini-phone p{
    font-size:18px;
    line-height:1.64;
  }

  .stk-panel,
  .screen-loader-overlay{
    align-items:flex-start;
    padding:18px;
  }

  .toast-stack{
    right:12px;
    bottom:12px;
    width:calc(100% - 24px);
  }
}