@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Manrope:wght@400;500;600;700&family=Oswald:wght@500;600;700&display=swap');

:root {
  --bg: #01193a;
  --bg-2: #062142;
  --bg-3: #0c2c52;
  --glass: rgba(255,255,255,0.035);
  --glass-hover: rgba(255,255,255,0.07);
  --border: rgba(255,255,255,0.09);
  --border-strong: rgba(255,255,255,0.16);
  --border-glow: rgba(251,191,36,0.35);
  --text: #f5f5f4;
  --text-soft: rgba(245,245,244,0.72);
  --text-mute: rgba(245,245,244,0.44);
  --gold: #fbbf24;
  --gold-hover: #f59e0b;
  --gold-deep: #d97706;
  --gold-grad: linear-gradient(135deg, #fbbf24 0%, #d97706 100%);
  --emerald: #10b981;
  --radius: 16px;
  --radius-sm: 10px;
  --radius-pill: 999px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Manrope', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  position: relative;
  overflow-x: hidden;
}

/* grain overlay */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  z-index: 9999;
  pointer-events: none;
  opacity: 0.035;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

h1, h2, h3, h4 { font-family: 'Outfit', sans-serif; font-weight: 700; color: var(--text); line-height: 1.15; letter-spacing: -0.02em; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 28px; position: relative; z-index: 1; }
.eyebrow { text-transform: uppercase; letter-spacing: 2.5px; font-size: 12px; font-weight: 700; color: var(--gold); display: inline-flex; align-items: center; gap: 8px; }
.eyebrow::before { content: ''; width: 16px; height: 1.5px; background: var(--gold); display: inline-block; }

/* reveal-on-scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s cubic-bezier(.4,0,.2,1), transform 0.7s cubic-bezier(.4,0,.2,1); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* Header
   NOTE: backdrop-filter lives on a ::before pseudo-element (not on .site-header
   itself) on purpose - filter/backdrop-filter on an element creates a new
   containing block for position:fixed descendants, which would otherwise trap
   the full-screen mobile nav overlay inside the ~80px header box instead of
   letting it cover the viewport. */
.site-header {
  position: sticky; top: 0; z-index: 100;
}
.site-header::before {
  content: ''; position: absolute; inset: 0; z-index: -1;
  background: rgba(10,16,32,0.72);
  backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 104px; }
.brand { display: flex; align-items: center; gap: 11px; transition: opacity 0.2s; }
.brand:hover { opacity: 0.85; }
.brand img { flex-shrink: 0; filter: drop-shadow(0 0 12px rgba(251,191,36,0.35)); }
.brand .name { color: var(--text); font-family: 'Outfit', sans-serif; font-size: 20px; font-weight: 700; line-height: 1.15; }
.brand .name small { display: block; font-family: 'Manrope', sans-serif; font-size: 11px; letter-spacing: 2px; color: var(--gold); font-weight: 600; text-transform: uppercase; margin-top: 2px; }
.main-nav { display: flex; align-items: center; gap: 8px; }
.main-nav a { color: var(--text-soft); font-size: 14.5px; font-weight: 500; transition: color 0.2s, background 0.2s; position: relative; padding: 9px 16px; border-radius: var(--radius-pill); }
.main-nav a:hover { color: var(--text); background: var(--glass); }
.main-nav a.active { color: var(--text); background: var(--glass-hover); }
.main-nav a.active::after { content: ''; position: absolute; bottom: 4px; left: 16px; right: 16px; height: 2px; background: var(--gold-grad); border-radius: 2px; }
.nav-cta { background: var(--gold-grad) !important; color: #0a0a0a !important; padding: 11px 22px !important; font-weight: 700; box-shadow: 0 6px 20px rgba(251,191,36,0.22); }
.nav-cta:hover { transform: translateY(-1px) scale(1.02); box-shadow: 0 10px 28px rgba(251,191,36,0.34); }
.nav-toggle { display: none; background: none; border: none; color: var(--text); font-size: 24px; cursor: pointer; }

@media (max-width: 900px) {
  .main-nav { position: fixed; top: 104px; left: 0; right: 0; bottom: 0; z-index: 200; background: rgba(1,25,58,0.98); backdrop-filter: blur(20px); flex-direction: column; align-items: stretch; gap: 6px; padding: 18px 24px; display: none; }
  .main-nav.open { display: flex; }
  .main-nav a { width: 100%; padding: 15px 16px; }
  .main-nav a.active::after { display: none; }
  .nav-cta { margin-top: 10px; text-align: center; }
  .nav-toggle { display: block; }
}

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 15px 30px; font-weight: 600; font-size: 14.5px; border-radius: var(--radius-pill); transition: transform 0.25s cubic-bezier(.4,0,.2,1), box-shadow 0.25s, background 0.25s, border-color 0.25s, color 0.25s; cursor: pointer; border: 1px solid transparent; font-family: 'Manrope', sans-serif; }
.btn-gold { background: var(--gold-grad); color: #01193a; box-shadow: 0 8px 24px rgba(251,191,36,0.2); }
.btn-gold:hover { transform: translateY(-2px) scale(1.02); box-shadow: 0 14px 34px rgba(251,191,36,0.32); }
.btn-outline { border-color: var(--border-strong); color: var(--text); background: var(--glass); }
.btn-outline:hover { border-color: var(--gold); background: var(--glass-hover); transform: translateY(-2px); }
.btn-navy { background: var(--bg-3); color: var(--text); border-color: var(--border); }
.btn-navy:hover { background: var(--bg-2); border-color: var(--border-strong); transform: translateY(-2px); }

/* Hero */
.hero { position: relative; color: var(--text); background: var(--bg); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0.24; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(1,25,58,0.4) 0%, var(--bg) 85%); }
.hero-glow { position: absolute; top: -220px; left: 50%; transform: translateX(-50%); width: 900px; height: 700px; background: radial-gradient(circle, rgba(251,191,36,0.16), transparent 65%); pointer-events: none; }
.hero-inner { position: relative; z-index: 2; padding: 130px 0 96px; max-width: 760px; }
.hero-inner h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); color: var(--text); margin: 18px 0 22px; }
.hero-inner p { font-size: 17.5px; color: var(--text-soft); max-width: 580px; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-strip { position: relative; z-index: 2; border-top: 1px solid var(--border); background: rgba(255,255,255,0.02); padding: 26px 0; }
.hero-strip .container { display: flex; gap: 48px; flex-wrap: wrap; }
.hero-strip .stat b { font-family: 'Outfit', sans-serif; font-size: 27px; color: var(--gold); display: block; }
.hero-strip .stat span { font-size: 12px; color: var(--text-mute); text-transform: uppercase; letter-spacing: 1.2px; }

.page-hero { position: relative; background: var(--bg); color: var(--text); padding: 72px 0 58px; overflow: hidden; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: var(--text); font-size: clamp(1.9rem, 4vw, 2.6rem); margin-top: 12px; }
.page-hero p { color: var(--text-soft); max-width: 620px; margin-top: 14px; }
.page-hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0.16; }
.page-hero::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, transparent, var(--bg) 92%); }

/* Sections */
.section { padding: 100px 0; position: relative; }
.section-alt { background: var(--bg-2); }
.section-head { max-width: 640px; margin-bottom: 50px; }
.section-head h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); margin-top: 14px; }
.section-head p { color: var(--text-soft); margin-top: 16px; font-size: 15.5px; }

/* Product / glass cards */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 900px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.glass-card {
  background: linear-gradient(145deg, rgba(255,255,255,0.045) 0%, rgba(255,255,255,0.01) 100%);
  border: 1px solid var(--border); border-radius: var(--radius);
  position: relative; overflow: hidden;
  transition: transform 0.3s cubic-bezier(.4,0,.2,1), border-color 0.3s, box-shadow 0.3s;
}
.glass-card::before {
  content: ''; position: absolute; inset: 0; opacity: 0; transition: opacity 0.3s; pointer-events: none;
  background: radial-gradient(500px circle at var(--mx,50%) var(--my,50%), rgba(251,191,36,0.09), transparent 55%);
}
.glass-card:hover::before { opacity: 1; }
.glass-card:hover { transform: translateY(-5px); border-color: var(--border-glow); box-shadow: 0 20px 44px rgba(0,0,0,0.5); }

.product-card { background: var(--glass); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: transform 0.3s cubic-bezier(.4,0,.2,1), border-color 0.3s, box-shadow 0.3s; }
.product-card:hover { transform: translateY(-6px); border-color: var(--border-glow); box-shadow: 0 20px 44px rgba(0,0,0,0.55); }
.product-card .thumb { height: 190px; background-size: cover; background-position: center; position: relative; }
.product-card .thumb::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 45%, rgba(1,25,58,0.85)); }
.product-card .body { padding: 24px; }
.product-card .body h3 { font-size: 19px; margin-bottom: 8px; }
.product-card .body p { font-size: 14px; color: var(--text-mute); margin-bottom: 16px; }
.product-card .link { color: var(--gold); font-weight: 600; font-size: 13px; text-transform: uppercase; letter-spacing: 1px; transition: gap 0.2s; display: inline-flex; align-items: center; gap: 4px; }
.product-card .link:after { content: '→'; transition: transform 0.2s; }
.product-card:hover .link:after { transform: translateX(4px); }
.product-card.cta-card { display: flex; flex-direction: column; justify-content: center; align-items: flex-start; padding: 28px; background: linear-gradient(150deg, rgba(251,191,36,0.1), rgba(251,191,36,0.02)); border-color: var(--border-glow); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
@media (max-width: 900px) { .steps { grid-template-columns: 1fr; } }
.step { padding: 30px; border-radius: var(--radius); border: 1px solid var(--border); background: var(--glass); transition: transform 0.3s, border-color 0.3s; }
.step:hover { transform: translateY(-4px); border-color: var(--border-glow); }
.step .num { width: 44px; height: 44px; border-radius: 50%; background: var(--gold-grad); color: #01193a; display: flex; align-items: center; justify-content: center; font-family: 'Outfit', sans-serif; font-weight: 700; font-size: 17px; margin-bottom: 20px; }
.step h3 { font-size: 18px; margin-bottom: 10px; }
.step p { color: var(--text-soft); font-size: 14.5px; }

/* Feature list */
.feature-row { display: grid; grid-template-columns: 1.1fr 1fr; gap: 60px; align-items: center; }
@media (max-width: 900px) { .feature-row { grid-template-columns: 1fr; } }
.feature-row img { border-radius: var(--radius); border: 1px solid var(--border); }
.check-list { list-style: none; margin-top: 22px; }
.check-list li { padding-left: 30px; position: relative; margin-bottom: 14px; font-size: 15px; color: var(--text-soft); }
.check-list li::before { content: '✓'; position: absolute; left: 0; top: 0; color: var(--gold); font-weight: 700; width: 20px; height: 20px; border-radius: 50%; background: rgba(251,191,36,0.14); display: flex; align-items: center; justify-content: center; font-size: 11px; }

/* Info / terms cards */
.info-card { background: var(--glass); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; transition: transform 0.3s, border-color 0.3s; }
.info-card:hover { transform: translateY(-4px); border-color: var(--border-glow); }
.info-card h3 { font-size: 17px; margin-bottom: 10px; }
.info-card .amount { font-family: 'Outfit', sans-serif; font-size: 27px; color: var(--gold); font-weight: 700; }
.info-card.highlight { border-color: var(--border-glow); background: linear-gradient(150deg, rgba(251,191,36,0.09), rgba(251,191,36,0.015)); }

/* Testimonial */
.testimonial { background: var(--glass); border: 1px solid var(--border); border-left: 3px solid var(--gold); padding: 28px 30px; border-radius: var(--radius); transition: transform 0.3s, border-color 0.3s; }
.testimonial:hover { transform: translateY(-4px); border-color: var(--border-glow); }
.testimonial p { font-size: 15.5px; color: var(--text-soft); font-style: italic; margin-bottom: 16px; }
.testimonial .who { font-weight: 700; font-size: 13.5px; color: var(--text); }
.testimonial .who span { color: var(--text-mute); font-weight: 400; }

/* FAQ accordion */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { padding: 22px 4px; display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 600; font-size: 15.5px; color: var(--text); gap: 20px; transition: color 0.2s; }
.faq-q:hover { color: var(--gold); }
.faq-q .plus { font-size: 20px; color: var(--gold); transition: transform 0.3s; flex-shrink: 0; }
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; color: var(--text-soft); font-size: 14.5px; }
.faq-item.open .faq-a { padding: 0 4px 22px; }

/* Forms */
.form-card { background: var(--glass); border: 1px solid var(--border); border-radius: var(--radius); padding: 38px; backdrop-filter: blur(10px); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
@media (max-width: 640px) { .form-row { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 18px; }
.field label { font-size: 12.5px; font-weight: 600; color: var(--text-soft); text-transform: uppercase; letter-spacing: 0.6px; }
.field input, .field select, .field textarea {
  border: none; border-bottom: 1.5px solid var(--border-strong); border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  padding: 13px 14px; font-family: inherit; font-size: 14.5px; color: var(--text); background: rgba(255,255,255,0.03); transition: border-color 0.2s, background 0.2s;
}
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23fbbf24' stroke-width='1.6' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
.field input::placeholder, .field textarea::placeholder { color: var(--text-mute); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); background: rgba(251,191,36,0.05); box-shadow: 0 4px 14px rgba(251,191,36,0.08); }
.form-success { display: none; background: rgba(16,185,129,0.1); border: 1px solid rgba(16,185,129,0.35); color: #6ee7b7; padding: 16px 18px; border-radius: var(--radius-sm); margin-top: 18px; font-size: 14.5px; }

/* Blog */
.blog-card { background: var(--glass); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: transform 0.3s, border-color 0.3s; }
.blog-card:hover { transform: translateY(-6px); border-color: var(--border-glow); }
.blog-card .thumb { height: 175px; background-size: cover; background-position: center; position: relative; }
.blog-card .thumb::after { content:''; position:absolute; inset:0; background: linear-gradient(180deg, transparent 45%, rgba(1,25,58,0.8)); }
.blog-card .body { padding: 24px; }
.blog-card .tag { font-size: 11.5px; text-transform: uppercase; letter-spacing: 1px; color: var(--gold); font-weight: 700; }
.blog-card h3 { font-size: 17px; margin: 10px 0 12px; }
.blog-card p { font-size: 14px; color: var(--text-mute); }

/* Loan Products tabs */
.lp-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 44px; position: sticky; top: 96px; z-index: 20; background: rgba(1,25,58,0.6); backdrop-filter: blur(12px); padding: 10px; border-radius: var(--radius-pill); border: 1px solid var(--border); width: fit-content; }
.lp-tab { padding: 12px 22px; border-radius: var(--radius-pill); font-size: 14px; font-weight: 600; color: var(--text-soft); cursor: pointer; transition: color 0.25s, background 0.25s; background: transparent; border: none; font-family: 'Manrope', sans-serif; white-space: nowrap; }
.lp-tab:hover { color: var(--text); background: var(--glass-hover); }
.lp-tab.active { color: #01193a; background: var(--gold-grad); }
@media (max-width: 900px) { .lp-tabs { width: 100%; flex-wrap: nowrap; overflow-x: auto; top: 104px; } }

.lp-panel { display: none; opacity: 0; }
.lp-panel.active { display: block; opacity: 1; animation: lpFade 0.35s ease; }
@keyframes lpFade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

.lp-terms-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
@media (max-width: 900px) { .lp-terms-grid { grid-template-columns: repeat(2, 1fr); } }
.lp-term { background: var(--bg-2); padding: 24px 22px; }
.lp-term .lp-term-label { font-size: 11px; text-transform: uppercase; letter-spacing: 1.2px; color: var(--text-mute); font-weight: 700; margin-bottom: 10px; }
.lp-term .lp-term-value { font-family: 'Outfit', sans-serif; font-size: 22px; font-weight: 700; color: var(--text); }
.lp-term.hero-term { background: linear-gradient(150deg, rgba(251,191,36,0.14), rgba(251,191,36,0.02)); }
.lp-term.hero-term .lp-term-value { color: var(--gold); }

/* CTA band */
.cta-band { background: var(--bg-2); color: var(--text); padding: 70px 0; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ''; position: absolute; top: -180px; left: 50%; transform: translateX(-50%); width: 700px; height: 500px; background: radial-gradient(circle, rgba(251,191,36,0.14), transparent 65%); pointer-events: none; }
.cta-band h2 { color: var(--text); font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 16px; position: relative; z-index: 1; }
.cta-band p { color: var(--text-soft); margin-bottom: 30px; position: relative; z-index: 1; }
.cta-band .btn { position: relative; z-index: 1; }

/* Footer */
.site-footer { background: var(--bg); border-top: 1px solid var(--border); color: var(--text-mute); padding: 64px 0 28px; font-size: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 44px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.footer-grid h4 { color: var(--text); font-family: 'Manrope', sans-serif; font-size: 13px; text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 18px; font-weight: 700; }
.footer-grid a { display: block; margin-bottom: 12px; color: var(--text-mute); transition: color 0.2s; }
.footer-grid a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid var(--border); padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 12.5px; }
.disclaimer { font-size: 11.5px; color: var(--text-mute); opacity: 0.6; margin-top: 20px; line-height: 1.7; }

.badge-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 24px; }
.badge-row span { background: var(--glass); border: 1px solid var(--border); padding: 8px 16px; border-radius: var(--radius-pill); font-size: 12.5px; color: var(--text-soft); }

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

/* Condensed display font — used only for the Process + Difference section
   headlines to match the provided reference design; body/other headings stay
   on Outfit/Manrope. */
.condensed { font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: -0.01em; }

.eyebrow-center { justify-content: center; }
.eyebrow-center::before, .eyebrow-center::after { content: ''; width: 34px; height: 1.5px; background: var(--gold); display: inline-block; }
.eyebrow-center::before { margin-right: 2px; }

/* Homepage: simple interactive program switcher (pills + single panel),
   replaces the old 6-card grid. Reuses .lp-tab / .lp-panel toggle classes
   and JS logic already used on loan-products.html. */
.hp-tabs-wrap { display: flex; justify-content: center; margin-bottom: 8px; }
.hp-panel-card { border: 1px solid var(--border); border-radius: var(--radius); background: linear-gradient(145deg, rgba(255,255,255,0.045) 0%, rgba(255,255,255,0.01) 100%); overflow: hidden; }
.hp-panel-inner { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 0; }
@media (max-width: 900px) { .hp-panel-inner { grid-template-columns: 1fr; } }
.hp-panel-media { height: 100%; min-height: 280px; background-size: cover; background-position: center; position: relative; }
.hp-panel-media::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, transparent 60%, var(--bg-2) 100%); }
@media (max-width: 900px) { .hp-panel-media { min-height: 200px; } .hp-panel-media::after { background: linear-gradient(180deg, transparent 60%, var(--bg-2) 100%); } }
.hp-panel-body { padding: 44px 48px; }
.hp-panel-body h3 { font-size: 24px; margin-bottom: 12px; }
.hp-panel-body p { color: var(--text-soft); font-size: 15px; margin-bottom: 22px; }
.hp-stat-row { display: flex; gap: 28px; margin-bottom: 26px; flex-wrap: wrap; }
.hp-stat-row .hp-stat b { font-family: 'Outfit', sans-serif; font-size: 24px; color: var(--gold); display: block; }
.hp-stat-row .hp-stat span { font-size: 11.5px; color: var(--text-mute); text-transform: uppercase; letter-spacing: 1px; }

/* Our Process — light band, condensed type, alternating flat columns
   (intentional contrast band against the otherwise dark navy page). */
.process-section { background: #f4f1ea; color: #101a2c; padding: 96px 0; }
.process-section .eyebrow { color: var(--gold-deep); }
.process-section .eyebrow-center::before, .process-section .eyebrow-center::after { background: var(--gold-deep); }
.process-head { text-align: center; margin-bottom: 46px; }
.process-head h2 { color: #01193a; font-size: clamp(1.9rem, 4vw, 3rem); margin-top: 14px; }
.process-divider { height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-deep)); margin-bottom: 0; }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .process-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .process-grid { grid-template-columns: 1fr; } }
.process-col { padding: 40px 32px; background: #ffffff; transition: background 0.3s; }
.process-col:nth-child(even) { background: #e7ebf3; }
.process-col:hover { background: #fdf3dd; }
.process-num { font-family: 'Oswald', sans-serif; font-size: 40px; font-weight: 600; color: rgba(16,26,44,0.15); margin-bottom: 18px; }
.process-col h3 { color: #01193a; font-size: 17px; margin-bottom: 10px; letter-spacing: 0.01em; }
.process-col p { color: #4a5568; font-size: 14px; }

/* The Legacy Triangle Difference — image + stat badge + checklist */
.diff-section { background: var(--bg-2); padding: 100px 0; }
.diff-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
@media (max-width: 900px) { .diff-grid { grid-template-columns: 1fr; gap: 40px; } }
.diff-media-wrap { position: relative; }
.diff-media-wrap::before { content: ''; position: absolute; top: -16px; left: -16px; right: 16px; bottom: 16px; border: 1px solid var(--border-strong); border-radius: var(--radius); }
.diff-media { position: relative; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); }
.diff-media img { width: 100%; height: 420px; object-fit: cover; }
.diff-stat-badge { position: absolute; right: 22px; bottom: 22px; background: var(--gold-grad); color: #01193a; padding: 18px 26px; border-radius: var(--radius-sm); box-shadow: 0 14px 30px rgba(0,0,0,0.4); }
.diff-stat-badge b { font-family: 'Outfit', sans-serif; font-size: 30px; display: block; line-height: 1; }
.diff-stat-badge span { font-size: 11px; text-transform: uppercase; letter-spacing: 1px; font-weight: 700; }
.diff-copy h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); margin-top: 14px; margin-bottom: 20px; }
.diff-copy > p { color: var(--text-soft); font-size: 15.5px; margin-bottom: 34px; }
.diff-list { display: flex; flex-direction: column; gap: 22px; margin-bottom: 34px; }
.diff-item { display: flex; gap: 16px; align-items: flex-start; }
.diff-item .diff-icon { flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%; background: rgba(251,191,36,0.14); border: 1px solid var(--border-glow); display: flex; align-items: center; justify-content: center; color: var(--gold); font-weight: 700; font-size: 13px; margin-top: 2px; }
.diff-item h4 { font-size: 15.5px; margin-bottom: 4px; color: var(--text); font-family: 'Manrope', sans-serif; font-weight: 700; letter-spacing: 0; }
.diff-item p { font-size: 14px; color: var(--text-mute); margin: 0; }