/* ============================================
   PICO Financial Services Uganda
   Layout: Bayport Uganda style
   Brand: Orange #F7941D + Navy #1A1A2E
   Font: Open Sans
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Open+Sans:wght@400;600;700;800&display=swap');

:root {
  --orange:       #F7941D;
  --orange-dark:  #D97C0A;
  --navy:         #1A1A2E;
  --navy-mid:     #003087;
  --white:        #FFFFFF;
  --gray-light:   #F5F5F5;
  --gray-mid:     #E0E0E0;
  --text:         #333333;
  --text-muted:   #666666;
  --border:       #DDDDDD;
  --container:    1200px;
  --font:         'Open Sans', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: color 0.2s; }
ul { list-style: none; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ========== TOP ANNOUNCEMENT BAR ========== */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  padding: 8px 0;
  text-align: center;
}
.top-bar .container {
  display: flex;
  justify-content: center;
  align-items: center;
}
.top-bar span { color: rgba(255,255,255,0.85); }

/* ========== HEADER ========== */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}
.site-header .container {
  display: flex;
  align-items: center;
  padding-top: 12px;
  padding-bottom: 12px;
  gap: 20px;
}
.brand-logo { flex-shrink: 0; }
.brand-logo img { height: 64px; width: auto; }

/* ========== MAIN NAV ========== */
nav.main-nav { flex: 1; }
nav.main-nav > ul {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0;
}
nav.main-nav > ul > li { position: relative; }
nav.main-nav > ul > li > a {
  display: block;
  color: var(--text);
  font-weight: 600;
  font-size: 14px;
  padding: 8px 14px;
  transition: color 0.2s;
  white-space: nowrap;
}
nav.main-nav > ul > li > a:hover { color: var(--orange); }
nav.main-nav > ul > li > a.active { color: var(--orange); }

/* Dropdown arrow */
.has-dropdown > a::after {
  content: ' \25BE';
  font-size: 10px;
  vertical-align: middle;
}

/* Dropdown menu */
.dropdown {
  position: absolute;
  top: calc(100% + 2px);
  left: 0;
  background: var(--white);
  min-width: 230px;
  border: 1px solid var(--border);
  border-top: 3px solid var(--orange);
  box-shadow: 0 6px 20px rgba(0,0,0,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: all 0.2s ease;
  z-index: 300;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown li { border-bottom: 1px solid var(--gray-mid); }
.dropdown li:last-child { border-bottom: none; }
.dropdown li a {
  display: block;
  padding: 11px 18px;
  color: var(--text);
  font-size: 13.5px;
  font-weight: 600;
  transition: all 0.15s;
}
.dropdown li a:hover {
  background: var(--gray-light);
  color: var(--orange);
}
.dropdown li a.apply-link {
  background: var(--orange);
  color: var(--white);
  text-transform: uppercase;
  font-size: 12.5px;
  letter-spacing: 0.5px;
  font-weight: 700;
}
.dropdown li a.apply-link:hover {
  background: var(--orange-dark);
  color: var(--white);
}

/* Nav phone CTA */
.nav-phone {
  background: none !important;
  color: var(--navy) !important;
  font-weight: 700 !important;
  font-size: 14px !important;
  padding: 8px 14px !important;
  white-space: nowrap;
  border: 2px solid var(--navy);
  border-radius: 4px;
  margin-left: 8px;
}
.nav-phone:hover { color: var(--orange) !important; border-color: var(--orange); }

/* Hamburger */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 24px;
  cursor: pointer;
  color: var(--navy);
  margin-left: auto;
  padding: 4px 8px;
}

@media (max-width: 1020px) {
  .menu-toggle { display: block; }
  nav.main-nav {
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    border-top: 2px solid var(--orange);
    box-shadow: 0 8px 20px rgba(0,0,0,0.12);
    display: none;
    max-height: 80vh;
    overflow-y: auto;
  }
  nav.main-nav.open { display: block; }
  nav.main-nav > ul {
    flex-direction: column;
    align-items: stretch;
    padding: 8px 0;
  }
  nav.main-nav > ul > li > a { padding: 12px 20px; }
  .has-dropdown > a::after { float: right; }
  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    border-left: 3px solid var(--orange);
    margin-left: 20px;
    display: none;
  }
  .dropdown.open { display: block; }
  .nav-phone { margin: 8px 20px; display: block; text-align: center; }
  .brand-logo img { height: 50px; }
}

/* ========== BUTTONS ========== */
.btn {
  display: inline-block;
  padding: 12px 28px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  border-radius: 4px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
}
.btn-primary {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.btn-primary:hover {
  background: var(--orange-dark);
  border-color: var(--orange-dark);
  color: var(--white);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  color: var(--white);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-outline-orange {
  background: transparent;
  color: var(--orange);
  border-color: var(--orange);
}
.btn-outline-orange:hover {
  background: var(--orange);
  color: var(--white);
}

/* ========== HERO SLIDER ========== */
.hero-slider {
  position: relative;
  overflow: hidden;
  height: 560px;
}
.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  display: flex;
  align-items: center;
  padding: 80px 0;
  text-align: center;
  color: var(--white);
  opacity: 0;
  transition: opacity 1s ease-in-out;
  pointer-events: none;
  z-index: 0;
}
.hero-slide.active {
  opacity: 1;
  pointer-events: auto;
  z-index: 1;
}
.hero-slide-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.58);
}
.hero-slide .container { position: relative; z-index: 1; }
.hero-inner { max-width: 780px; margin: 0 auto; }
.hero-welcome {
  font-size: 15px;
  opacity: 0.88;
  margin-bottom: 16px;
  letter-spacing: 1px;
}
.hero-slide h1 {
  font-size: clamp(2rem, 5vw, 3.4rem);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  line-height: 1.15;
  margin-bottom: 20px;
  color: var(--white);
}
.hero-tagline {
  font-size: 17px;
  opacity: 0.9;
  margin-bottom: 36px;
  line-height: 1.6;
}
.hero-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* Slider dots */
.slider-dots {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 10;
}
.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255,255,255,0.45);
  border: 2px solid rgba(255,255,255,0.7);
  cursor: pointer;
  transition: background 0.3s;
}
.slider-dot.active { background: var(--orange); border-color: var(--orange); }

@media (max-width: 640px) {
  .hero-slider { height: 420px; }
  .hero-slide { padding: 40px 0; }
}

/* ========== PROMO STRIP ========== */
.promo-strip {
  background: var(--orange);
  padding: 40px 0;
}
.promo-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.promo-strip-text h2 {
  font-size: clamp(1.2rem, 2.5vw, 1.7rem);
  font-weight: 800;
  text-transform: uppercase;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 8px;
}
.promo-strip-text p {
  color: rgba(255,255,255,0.92);
  font-size: 15px;
}
@media (max-width: 640px) {
  .promo-strip .container { flex-direction: column; align-items: flex-start; }
}

/* ========== ETHICS SECTION ========== */
.ethics-section {
  background: var(--white);
  padding: 70px 0;
  border-top: 1px solid var(--gray-mid);
  border-bottom: 1px solid var(--gray-mid);
}

.ethics-section h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 20px;
}
.ethics-section p {
  font-size: 16px;
  color: var(--text-muted);
  margin-bottom: 20px;
  line-height: 1.8;
  max-width: 800px;
}
.ethics-section a.ethics-link {
  color: var(--orange);
  font-weight: 700;
  text-decoration: underline;
  font-size: 15px;
}
.ethics-section a.ethics-link:hover { color: var(--orange-dark); }

/* ========== THE PICO WAY SECTION ========== */
.pico-way-section {
  background: var(--gray-light);
  padding: 70px 0;
  border-top: 4px solid var(--navy);
}
.pico-way-section h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 20px;
}
.pico-way-section p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.8;
  max-width: 800px;
}

/* ========== INNER PAGE SECTIONS ========== */
.section-pad { padding: 70px 0; }
.section-white { background: var(--white); }
.section-gray { background: var(--gray-light); }

/* ========== PAGE BANNER ========== */
.page-banner {
  background:
    linear-gradient(rgba(0,0,0,0.6), rgba(0,0,0,0.6)),
    linear-gradient(135deg, #0a1628 0%, #1c3a6b 50%, #0a1628 100%);
  color: var(--white);
  padding: 60px 0 52px;
}
.page-banner .breadcrumb {
  font-size: 13px;
  opacity: 0.75;
  margin-bottom: 12px;
}
.page-banner .breadcrumb a { color: var(--orange); }
.page-banner .breadcrumb a:hover { text-decoration: underline; }
.page-banner h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--white);
}
.page-banner p {
  margin-top: 14px;
  font-size: 16px;
  max-width: 640px;
  opacity: 0.88;
  line-height: 1.7;
}

/* ========== SECTION HEADING ========== */
.section-heading {
  margin-bottom: 40px;
}
.section-heading h2 {
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}
.section-heading p {
  font-size: 15.5px;
  color: var(--text-muted);
  max-width: 680px;
  line-height: 1.75;
}

/* ========== LOANS TABS / FILTER BAR ========== */
.loans-filter-bar {
  background: var(--gray-light);
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.loans-filter-bar .container {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.filter-btn {
  display: inline-block;
  padding: 9px 22px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  border: 2px solid var(--navy);
  border-radius: 4px;
  color: var(--navy);
  background: transparent;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}
.filter-btn:hover,
.filter-btn.active {
  background: var(--navy);
  color: var(--white);
}

/* ========== LOAN INTRO TEXT ========== */
.loan-intro {
  padding: 36px 0 0;
}
.loan-intro p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.8;
  max-width: 720px;
}

/* ========== LOAN BENEFIT LIST ========== */
.loan-benefits {
  padding: 28px 0;
  border-top: 1px solid var(--gray-mid);
  border-bottom: 1px solid var(--gray-mid);
  margin-bottom: 20px;
}
.loan-benefits ul {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
}
.loan-benefits ul li {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--navy);
  padding-left: 18px;
  position: relative;
}
.loan-benefits ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 8px;
  height: 8px;
  background: var(--orange);
  border-radius: 50%;
}

/* ========== INDIVIDUAL LOAN SECTION ========== */
.loan-section {
  padding: 50px 0;
  border-bottom: 1px solid var(--gray-mid);
  scroll-margin-top: 100px;
}
.loan-section:last-of-type { border-bottom: none; }
.loan-section h2 {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 3px solid var(--orange);
  display: inline-block;
}
.loan-section p {
  font-size: 15.5px;
  color: var(--text-muted);
  margin-bottom: 22px;
  line-height: 1.75;
  max-width: 720px;
}
.loan-detail-table {
  width: 100%;
  max-width: 560px;
  border-collapse: collapse;
  margin-bottom: 12px;
  font-size: 14.5px;
}
.loan-detail-table tr { border-bottom: 1px solid var(--gray-mid); }
.loan-detail-table tr:last-child { border-bottom: none; }
.loan-detail-table td {
  padding: 11px 14px;
  vertical-align: top;
}
.loan-detail-table td:first-child {
  font-weight: 700;
  color: var(--navy);
  width: 45%;
  background: var(--gray-light);
}
.loan-detail-table td:last-child { color: var(--text-muted); }

/* ========== TEAM LIST (legacy, kept for fallback) ========== */
.team-section { margin-bottom: 60px; }
.team-section h2 {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
  padding-bottom: 8px;
  border-bottom: 3px solid var(--orange);
  display: inline-block;
}
.team-section p.section-sub {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 28px;
  margin-top: 10px;
}
.team-list { margin-top: 8px; }
.team-list-item {
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-mid);
  display: flex;
  align-items: baseline;
  gap: 12px;
}
.team-list-item:last-child { border-bottom: none; }
.team-list-item .member-name {
  font-weight: 700;
  color: var(--navy);
  font-size: 15.5px;
  min-width: 220px;
}
.team-list-item .member-dash {
  color: var(--text-muted);
  font-size: 14px;
}
.team-list-item .member-title {
  color: var(--text-muted);
  font-size: 14.5px;
}

/* ========== TEAM CARDS ========== */
.team-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 28px;
  margin-top: 8px;
}
.team-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 4px solid var(--navy);
  text-decoration: none;
  color: inherit;
  transition: border-top-color 0.2s, box-shadow 0.2s, transform 0.2s;
  cursor: pointer;
}
.team-card:not(.team-card-no-link):hover {
  border-top-color: var(--orange);
  box-shadow: 0 6px 24px rgba(0,0,0,0.1);
  transform: translateY(-2px);
}
.team-card-no-link { cursor: default; }
.team-card-photo {
  width: 100%;
  aspect-ratio: 3 / 4;
  overflow: hidden;
  background: var(--gray-light);
}
.team-card-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
  transition: transform 0.35s ease;
}
.team-card:not(.team-card-no-link):hover .team-card-photo img {
  transform: scale(1.03);
}
.team-card-photo-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--navy) 0%, #1c3a6b 100%);
}
.team-card-photo-placeholder span {
  font-size: 42px;
  font-weight: 800;
  color: rgba(255,255,255,0.25);
  font-family: var(--font);
}
.team-card-body {
  padding: 20px 22px 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.team-card-body h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
  line-height: 1.3;
}
.team-card-title {
  font-size: 12.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--orange);
  margin-bottom: 12px;
}
.team-card-bio {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.65;
  flex: 1;
  margin-bottom: 16px;
}
.team-card-link {
  font-size: 12.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--navy);
  transition: color 0.2s;
  margin-top: auto;
}
.team-card:hover .team-card-link { color: var(--orange); }

@media (max-width: 640px) {
  .team-cards { grid-template-columns: 1fr 1fr; gap: 16px; }
}
@media (max-width: 420px) {
  .team-cards { grid-template-columns: 1fr; }
}

/* ========== INDIVIDUAL PROFILE PAGE ========== */
.profile-layout {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 56px;
  align-items: start;
}
.profile-photo {
  width: 100%;
  border-radius: 2px;
  display: block;
  object-fit: cover;
  object-position: top center;
  max-height: 440px;
}
.profile-meta-card {
  border: 1px solid var(--border);
  border-top: 3px solid var(--orange);
  margin-top: 20px;
}
.profile-meta-row {
  padding: 11px 16px;
  border-bottom: 1px solid var(--gray-mid);
  font-size: 13.5px;
}
.profile-meta-row:last-child { border-bottom: none; }
.profile-meta-label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-muted);
  margin-bottom: 2px;
}
.profile-meta-value {
  color: var(--navy);
  font-weight: 600;
  font-size: 13.5px;
}
.profile-name {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.2;
}
.profile-title-label {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: var(--orange);
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--gray-mid);
}
.profile-bio p {
  font-size: 15.5px;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 18px;
}
.profile-bio p:last-child { margin-bottom: 0; }

@media (max-width: 860px) {
  .profile-layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .profile-photo { max-height: 360px; max-width: 340px; }
}

/* ========== NEWS GRID ========== */
.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.news-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--navy);
  transition: border-top-color 0.2s, box-shadow 0.2s;
}
.news-card:hover {
  border-top-color: var(--orange);
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
}
.news-card-thumb {
  height: 180px;
  background: linear-gradient(135deg, var(--navy) 0%, #1c3a6b 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}
.news-card-thumb.alt { background: linear-gradient(135deg, #1c3a6b, #003087); }
.news-card-thumb.alt2 { background: linear-gradient(135deg, var(--orange), var(--orange-dark)); }
.news-card-thumb span {
  font-size: 36px;
  font-weight: 800;
  color: rgba(255,255,255,0.3);
  font-family: var(--font);
  text-transform: uppercase;
}
.news-card-body { padding: 22px; }
.news-card-body .news-meta {
  font-size: 12px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}
.news-card-body h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.3;
}
.news-card-body p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 14px;
  line-height: 1.65;
}
.news-card-body .read-more {
  color: var(--orange);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.news-card-body .read-more:hover { color: var(--orange-dark); text-decoration: underline; }

/* ========== FAQ ========== */
.faq-wrap { max-width: 820px; }
.faq-item {
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  margin-bottom: 10px;
  overflow: hidden;
  transition: border-left-color 0.2s;
}
.faq-item[open] { border-left-color: var(--orange); }
.faq-item summary {
  padding: 18px 20px;
  cursor: pointer;
  font-weight: 700;
  font-size: 15.5px;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 300;
  color: var(--orange);
  flex-shrink: 0;
  transition: transform 0.2s;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-answer {
  padding: 4px 20px 20px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.75;
  border-top: 1px solid var(--gray-mid);
}
.faq-answer a { color: var(--orange); text-decoration: underline; }

/* ========== CONTACT ========== */
.contact-details-table { width: 100%; max-width: 540px; }
.contact-details-table tr { border-bottom: 1px solid var(--gray-mid); }
.contact-details-table tr:last-child { border-bottom: none; }
.contact-details-table td {
  padding: 12px 0;
  font-size: 14.5px;
  vertical-align: top;
}
.contact-details-table td:first-child {
  font-weight: 700;
  color: var(--navy);
  width: 38%;
  padding-right: 16px;
}
.contact-details-table td:last-child { color: var(--text-muted); }
.contact-details-table a { color: var(--orange); }
.contact-details-table a:hover { text-decoration: underline; }

/* ========== FORM ========== */
.form-wrap {
  max-width: 720px;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 40px;
}
.form-heading {
  margin-bottom: 28px;
}
.form-heading h2 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-heading p { font-size: 14.5px; color: var(--text-muted); }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--navy);
  margin-bottom: 7px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 4px;
  font-family: var(--font);
  font-size: 14.5px;
  background: var(--white);
  color: var(--text);
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--orange);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-note {
  display: none;
  background: #d4edda;
  border: 1px solid #c3e6cb;
  color: #155724;
  padding: 12px 16px;
  border-radius: 4px;
  margin-top: 14px;
  font-weight: 600;
  font-size: 14.5px;
}
@media (max-width: 560px) {
  .form-row { grid-template-columns: 1fr; }
  .form-wrap { padding: 24px 20px; }
}

/* ========== APPLY STEPS ========== */
.apply-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin-bottom: 44px;
}
.apply-step {
  border: 1px solid var(--border);
  border-top: 4px solid var(--navy);
  background: var(--white);
  padding: 24px;
}
.apply-step:nth-child(even) { border-top-color: var(--orange); }
.apply-step .step-num {
  width: 40px;
  height: 40px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 16px;
  margin-bottom: 14px;
}
.apply-step:nth-child(even) .step-num { background: var(--orange); }
.apply-step h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}
.apply-step p { font-size: 13.5px; color: var(--text-muted); line-height: 1.6; }

/* ========== CTA STRIP ========== */
.cta-strip {
  background: var(--navy);
  color: var(--white);
  padding: 64px 0;
  text-align: center;
}
.cta-strip h2 {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 14px;
  color: var(--white);
}
.cta-strip p {
  font-size: 16px;
  max-width: 600px;
  margin: 0 auto 28px;
  opacity: 0.88;
  line-height: 1.7;
}
.cta-strip .btn-row {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ========== FOOTER ========== */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.82); }

.footer-top {
  padding: 52px 0 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-top .container {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
}

/* Col 1: brand */
.footer-brand img {
  height: 68px;
  width: auto;
  background: var(--white);
  padding: 8px 12px;
  border-radius: 4px;
  margin-bottom: 18px;
}
.footer-brand p {
  font-size: 13.5px;
  line-height: 1.75;
  opacity: 0.8;
  margin-bottom: 14px;
}
.footer-brand .umra-note {
  font-size: 12px;
  opacity: 0.55;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 12px;
  line-height: 1.6;
}

/* Col 2 & 3 */
.footer-col h4 {
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--orange);
  margin-bottom: 18px;
}
.footer-col ul li { margin-bottom: 9px; }
.footer-col ul li a {
  font-size: 13.5px;
  color: rgba(255,255,255,0.72);
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--orange); }

/* Contact rows in footer col 2 */
.footer-contact-rows { display: flex; flex-direction: column; gap: 8px; }
.footer-contact-row {
  font-size: 13.5px;
  color: rgba(255,255,255,0.78);
  line-height: 1.5;
}
.footer-contact-row strong {
  display: block;
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255,255,255,0.5);
  font-weight: 600;
  margin-bottom: 1px;
}
.footer-contact-row a { color: rgba(255,255,255,0.85); }
.footer-contact-row a:hover { color: var(--orange); }

/* Footer bottom */
.footer-bottom {
  padding: 18px 0;
}
.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom .copy { font-size: 12.5px; opacity: 0.55; }
.footer-bottom-links { display: flex; gap: 18px; flex-wrap: wrap; align-items: center; }
.footer-bottom-links a {
  font-size: 12.5px;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-bottom-links a:hover { color: var(--orange); }
.footer-socials { display: flex; gap: 8px; }
.footer-socials a {
  width: 30px;
  height: 30px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.65);
  font-size: 11px;
  font-weight: 700;
  transition: all 0.2s;
}
.footer-socials a:hover { background: var(--orange); color: var(--white); }

@media (max-width: 900px) {
  .footer-top .container { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-top .container { grid-template-columns: 1fr; }
  .footer-bottom .container { flex-direction: column; align-items: flex-start; }
}

/* Contact two-column responsive */
@media (max-width: 860px) {
  .contact-two-col { grid-template-columns: 1fr !important; }
}

/* ========== LEGAL PROSE ========== */
.legal-prose {
  max-width: 820px;
  margin: 0 auto;
  color: var(--text);
  line-height: 1.8;
}
.legal-prose h2 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy);
  margin: 2.5rem 0 0.75rem;
  padding-top: 1rem;
  border-top: 2px solid var(--gray-mid);
  text-transform: uppercase;
  letter-spacing: 0.3px;
}
.legal-prose h2:first-of-type { border-top: none; margin-top: 0; padding-top: 0; }
.legal-prose p { margin: 0 0 1rem; font-size: 15px; color: var(--text-muted); }
.legal-prose ul { margin: 0 0 1rem 1.5rem; list-style: disc; }
.legal-prose ul li { margin-bottom: 0.4rem; font-size: 15px; color: var(--text-muted); }
.legal-prose a { color: var(--orange); text-decoration: underline; }
.legal-meta {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 2rem;
  padding-bottom: 1.5rem;
  border-bottom: 2px solid var(--gray-mid);
}

/* ========== UTILITIES ========== */
.text-center { text-align: center; }
.mt-6 { margin-top: 48px; }
.mt-4 { margin-top: 32px; }
.mb-4 { margin-bottom: 32px; }
.mb-2 { margin-bottom: 16px; }