/* ============================================================
   Rofarana Cash Loans — Design System v1.0
   ============================================================ */
:root{
  --brand-primary:#5A331D;      /* dark brown - text, headings */
  --brand-secondary:#E66A1F;    /* orange - CTAs, highlights */
  --brand-accent-1:#D88E8A;     /* dusty rose */
  --brand-accent-2:#E4B28D;     /* soft peach */
  --brand-supporting:#8A5A3B;   /* medium brown */
  --brand-cream:#FBF7F2;        /* background */
  --brand-cream-2:#F3EAE0;
  --text:#2B1D14;
  --text-muted:#6E5646;
  --white:#FFFFFF;
  --border:#EADFD3;
  --shadow-sm:0 2px 8px rgba(90,51,29,.08);
  --shadow-md:0 10px 30px rgba(90,51,29,.12);
  --shadow-lg:0 20px 50px rgba(90,51,29,.18);
  --radius:14px;
  --radius-lg:22px;
  --container:1200px;
  --header-h:82px;
  --topbar-h:38px;
  --transition:.25s ease;
  --font-heading:"Plus Jakarta Sans","Poppins",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  --font-body:"Inter","Plus Jakarta Sans",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font-body);color:var(--text);
  background:var(--brand-cream);line-height:1.65;font-size:16px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--brand-secondary);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--brand-primary)}
h1,h2,h3,h4,h5{font-family:var(--font-heading);color:var(--brand-primary);margin:0 0 .5em;line-height:1.2;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.text-center{text-align:center}
.lead{font-size:1.125rem;color:var(--text-muted);max-width:70ch;margin-left:auto;margin-right:auto}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.9rem 1.6rem;font-family:var(--font-heading);font-weight:600;font-size:1rem;
  border-radius:999px;border:2px solid transparent;cursor:pointer;
  transition:transform var(--transition),box-shadow var(--transition),background var(--transition),color var(--transition);
  text-decoration:none;line-height:1;white-space:nowrap;
}
.btn-primary{background:var(--brand-secondary);color:#fff;box-shadow:0 8px 20px rgba(230,106,31,.35)}
.btn-primary:hover{background:#c95612;color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(230,106,31,.45)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.85)}
.btn-outline:hover{background:#fff;color:var(--brand-primary)}
.btn-dark{background:var(--brand-primary);color:#fff}
.btn-dark:hover{background:#3f2314;color:#fff;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--brand-primary);border-color:var(--border)}
.btn-ghost:hover{background:var(--brand-cream-2);color:var(--brand-primary)}

/* Top info bar */
.topbar{
  background:var(--brand-primary);color:#f5e6d8;font-size:.85rem;
  height:var(--topbar-h);display:flex;align-items:center;
}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}
.topbar a{color:#f5e6d8;display:inline-flex;align-items:center;gap:.4rem}
.topbar a:hover{color:var(--brand-accent-2)}
.topbar-left,.topbar-right{display:flex;gap:1.25rem;align-items:center}
.topbar svg{width:14px;height:14px;stroke:currentColor;stroke-width:2;fill:none}

/* Header */
.site-header{
  position:sticky;top:0;z-index:900;background:rgba(255,255,255,.96);
  backdrop-filter:blur(10px);border-bottom:1px solid transparent;
  transition:background var(--transition),box-shadow var(--transition),border-color var(--transition);
}
.site-header.scrolled{background:#fff;box-shadow:var(--shadow-sm);border-color:var(--border)}
.header-inner{
  height:var(--header-h);display:flex;align-items:center;justify-content:space-between;
  gap:1.5rem;
}
.logo,.footer-brand img{
  border-radius:16px;background:#fff;padding:6px 10px;
  box-shadow:0 2px 8px rgba(0,0,0,.08);height:60px;width:auto;
}
.site-header.scrolled .logo{border-radius:12px;height:54px}
.site-nav{display:flex;justify-content:center;flex:1}
.site-nav ul{
  display:flex;list-style:none;padding:0;margin:0;gap:2.25rem;align-items:center;
}
.site-nav a{
  color:var(--brand-primary);font-weight:600;font-size:.95rem;
  position:relative;padding:.35rem 0;font-family:var(--font-heading);
}
.site-nav a::after{
  content:"";position:absolute;left:50%;bottom:-6px;transform:translateX(-50%);
  width:0;height:2px;background:var(--brand-secondary);transition:width var(--transition);
}
.site-nav a:hover::after,.site-nav a.active::after{width:100%}
.site-nav a.active{color:var(--brand-secondary)}
.header-cta{display:flex;gap:.5rem;align-items:center}
.header-cta .btn{padding:.7rem 1.2rem;font-size:.9rem}
.hamburger{display:none;background:none;border:0;padding:.5rem;cursor:pointer}
.hamburger span{display:block;width:26px;height:2px;background:var(--brand-primary);margin:5px 0;transition:transform .3s,opacity .3s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

@media (max-width: 980px){
  .site-nav{
    position:fixed;top:calc(var(--header-h) + var(--topbar-h));left:0;right:0;bottom:0;
    background:#fff;flex-direction:column;justify-content:flex-start;padding:2rem;
    transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;
  }
  .site-nav.open{transform:translateX(0)}
  .site-nav ul{flex-direction:column;gap:.25rem;width:100%;align-items:stretch}
  .site-nav a{display:block;padding:1rem;border-bottom:1px solid var(--border);font-size:1.05rem}
  .hamburger{display:block}
  .header-cta .btn:not(.mobile-visible){display:none}
  .topbar-left{font-size:.75rem;gap:.75rem}
  .topbar-right{display:none}
}

/* Page banner */
.page-banner{
  position:relative;min-height:440px;display:flex;align-items:center;justify-content:center;
  background:var(--brand-primary) no-repeat center/cover;color:#fff;text-align:center;
  padding:5rem 1.5rem 4rem;
}
.page-banner::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(90,51,29,.55) 0%,rgba(90,51,29,.35) 50%,rgba(230,106,31,.45) 100%);
}
.page-banner .container{position:relative;z-index:1;max-width:900px}
.page-banner h1{color:#fff;text-shadow:0 3px 20px rgba(0,0,0,.35);margin-bottom:.5em}
.page-banner .subhead{
  color:#fff;font-size:1.2rem;text-shadow:0 2px 12px rgba(0,0,0,.35);
  max-width:56ch;margin:0 auto 1.5rem;
}
.breadcrumb{color:#f3e5d6;font-size:.9rem;margin-top:1rem}
.breadcrumb a{color:#f3e5d6}
.breadcrumb a:hover{color:#fff}
.banner-ctas{display:flex;gap:.75rem;justify-content:center;flex-wrap:wrap;margin-top:1.5rem}
.trust-strip{margin-top:1.5rem;color:#f7ead9;font-size:.9rem;letter-spacing:.05em}

/* Home hero */
.home-hero{min-height:640px;padding-top:6rem;padding-bottom:5rem}
.home-hero h1{font-size:clamp(2.4rem,5vw,4rem);line-height:1.05}
.home-hero .tagline{
  font-size:clamp(1.1rem,2vw,1.35rem);color:#fff;font-weight:500;
  max-width:60ch;margin:1rem auto 2rem;text-shadow:0 2px 12px rgba(0,0,0,.4);
}

/* Sections */
section.block{padding:5rem 0}
section.block.tight{padding:3.5rem 0}
section.block-alt{background:var(--white)}
section.block-brand{background:var(--brand-primary);color:#fff}
section.block-brand h2,section.block-brand h3{color:#fff}
.section-head{max-width:780px;margin:0 auto 3rem;text-align:center}
.section-head .lead{margin-top:.5rem}

/* Card grid */
.grid{display:grid;gap:1.5rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:920px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-3,.grid-2,.grid-4{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:1.75rem;box-shadow:var(--shadow-sm);transition:transform var(--transition),box-shadow var(--transition);
  display:flex;flex-direction:column;gap:.5rem;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.card .card-icon{
  width:52px;height:52px;border-radius:14px;background:var(--brand-cream-2);
  color:var(--brand-secondary);display:flex;align-items:center;justify-content:center;margin-bottom:.75rem;
}
.card .card-icon svg{width:26px;height:26px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round}
.card h3{margin:0 0 .35em}
.card p{color:var(--text-muted);margin:0}

.card-media{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);
  overflow:hidden;box-shadow:var(--shadow-sm);transition:transform var(--transition),box-shadow var(--transition);
  display:flex;flex-direction:column;
}
.card-media:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.card-media img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card-media .cm-body{padding:1.5rem;display:flex;flex-direction:column;gap:.5rem;flex:1}
.card-media h3{margin:0;color:var(--brand-primary)}
.card-media p{color:var(--text-muted);flex:1}
.card-media .cm-link{
  margin-top:.75rem;font-weight:600;color:var(--brand-secondary);display:inline-flex;align-items:center;gap:.4rem;
}
.card-media .cm-link::after{content:"→";transition:transform var(--transition)}
.card-media:hover .cm-link::after{transform:translateX(4px)}

/* Timeline */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;counter-reset:step}
@media (max-width:900px){.steps{grid-template-columns:1fr}}
.step{
  background:#fff;border-radius:var(--radius-lg);padding:2rem 1.5rem 1.5rem;
  border:1px solid var(--border);position:relative;
}
.step::before{
  counter-increment:step;content:"0" counter(step);
  position:absolute;top:-22px;left:1.5rem;
  background:var(--brand-secondary);color:#fff;font-family:var(--font-heading);font-weight:700;
  font-size:1.1rem;padding:.4rem .8rem;border-radius:12px;box-shadow:var(--shadow-sm);
}
.step h3{margin:.5rem 0 .35em;font-size:1.15rem}
.step p{color:var(--text-muted);margin:0;font-size:.95rem}

/* Trust strip */
.trust-row{
  display:grid;grid-template-columns:repeat(6,1fr);gap:1rem;text-align:center;
  padding:2rem 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);
}
@media (max-width:900px){.trust-row{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.trust-row{grid-template-columns:repeat(2,1fr)}}
.trust-row .t-item{color:var(--brand-primary);font-weight:600;font-size:.85rem;display:flex;flex-direction:column;align-items:center;gap:.5rem}
.trust-row svg{width:32px;height:32px;stroke:var(--brand-secondary);fill:none;stroke-width:1.6}

/* Calculator */
.calc-shell{
  background:#fff;border-radius:var(--radius-lg);padding:2.25rem;border:1px solid var(--border);
  box-shadow:var(--shadow-md);
}
.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:start}
@media (max-width:860px){.calc-grid{grid-template-columns:1fr}}
.calc-field{margin-bottom:1.5rem}
.calc-field label{
  display:flex;justify-content:space-between;font-weight:600;color:var(--brand-primary);
  margin-bottom:.5rem;font-family:var(--font-heading);
}
.calc-field .value{color:var(--brand-secondary);font-size:1.15rem}
.calc-field input[type=range]{
  width:100%;-webkit-appearance:none;height:8px;background:var(--brand-cream-2);border-radius:999px;outline:none;
}
.calc-field input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:26px;height:26px;border-radius:50%;
  background:var(--brand-secondary);cursor:pointer;box-shadow:0 4px 10px rgba(230,106,31,.4);border:3px solid #fff;
}
.calc-field input[type=range]::-moz-range-thumb{
  width:26px;height:26px;border-radius:50%;background:var(--brand-secondary);
  cursor:pointer;border:3px solid #fff;
}
.calc-summary{
  background:linear-gradient(160deg,var(--brand-primary),#7a4626);color:#fff;
  border-radius:var(--radius-lg);padding:2rem;
}
.calc-summary h3{color:#fff;margin:0 0 1rem;font-size:1.15rem;opacity:.85;font-weight:500}
.calc-summary .amount{font-family:var(--font-heading);font-size:2.5rem;font-weight:700;color:var(--brand-accent-2);line-height:1.1}
.calc-summary .amount-sub{opacity:.8;font-size:.9rem;margin-top:.25rem}
.calc-summary .breakdown{margin-top:1.5rem;font-size:.95rem;border-top:1px solid rgba(255,255,255,.15);padding-top:1rem}
.calc-summary .breakdown .row{display:flex;justify-content:space-between;padding:.35rem 0}
.calc-summary .breakdown .row span:last-child{font-weight:600;color:var(--brand-accent-2)}
.calc-summary .btn{margin-top:1.25rem;width:100%}

/* Application form */
.form-wrap{max-width:900px;margin:0 auto;background:#fff;border-radius:var(--radius-lg);border:1px solid var(--border);padding:2.5rem;box-shadow:var(--shadow-md)}
.form-progress{display:flex;justify-content:space-between;margin-bottom:2rem;position:relative}
.form-progress::before{content:"";position:absolute;top:16px;left:5%;right:5%;height:2px;background:var(--border);z-index:0}
.form-progress .stepdot{display:flex;flex-direction:column;align-items:center;position:relative;z-index:1;flex:1;color:var(--text-muted);font-size:.85rem}
.form-progress .stepdot .dot{width:34px;height:34px;border-radius:50%;background:#fff;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:.4rem;color:var(--text-muted)}
.form-progress .stepdot.active .dot,.form-progress .stepdot.done .dot{background:var(--brand-secondary);border-color:var(--brand-secondary);color:#fff}
.form-progress .stepdot.active{color:var(--brand-primary);font-weight:600}
.form-step{display:none}
.form-step.active{display:block;animation:fadeIn .3s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media (max-width:640px){.form-row{grid-template-columns:1fr}}
.field{margin-bottom:1.1rem}
.field label{display:block;font-weight:600;color:var(--brand-primary);margin-bottom:.35rem;font-size:.92rem}
.field input,.field select,.field textarea{
  width:100%;padding:.85rem 1rem;border:1.5px solid var(--border);border-radius:12px;
  font:inherit;background:#fff;color:var(--text);transition:border-color var(--transition),box-shadow var(--transition);
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--brand-secondary);box-shadow:0 0 0 4px rgba(230,106,31,.15);
}
.field .hint{font-size:.8rem;color:var(--text-muted);margin-top:.25rem}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.9rem;color:var(--text-muted);margin:.75rem 0}
.consent input{margin-top:.25rem;accent-color:var(--brand-secondary)}
.form-nav{display:flex;justify-content:space-between;gap:.75rem;margin-top:1.5rem;flex-wrap:wrap}
.field-error input,.field-error select,.field-error textarea{border-color:#c94a2c}
.err-msg{color:#c94a2c;font-size:.85rem;margin-top:.3rem;display:none}
.field-error .err-msg{display:block}

/* FAQ */
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:.75rem}
.faq details{background:#fff;border:1px solid var(--border);border-radius:14px;padding:0;overflow:hidden;transition:box-shadow var(--transition)}
.faq details[open]{box-shadow:var(--shadow-sm)}
.faq summary{
  padding:1.15rem 1.25rem;font-weight:600;color:var(--brand-primary);cursor:pointer;
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;
  font-family:var(--font-heading);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--brand-secondary);transition:transform .2s}
.faq details[open] summary::after{content:"−"}
.faq .faq-body{padding:0 1.25rem 1.15rem;color:var(--text-muted)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.info-block{background:#fff;border-radius:var(--radius-lg);border:1px solid var(--border);padding:2rem;box-shadow:var(--shadow-sm)}
.info-block h3{margin-top:0}
.info-item{display:flex;gap:.85rem;padding:.85rem 0;border-bottom:1px dashed var(--border)}
.info-item:last-child{border-bottom:none}
.info-item svg{flex-shrink:0;width:22px;height:22px;stroke:var(--brand-secondary);fill:none;stroke-width:1.8;margin-top:2px}
.info-item .label{font-weight:600;color:var(--brand-primary);display:block;font-size:.9rem}
.info-item a,.info-item span.value{color:var(--text-muted);font-size:.95rem;word-break:break-word}
.map-wrap{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--border);margin-top:2rem}
.map-wrap iframe{display:block;width:100%;height:340px;border:0}

/* Legal / prose */
.prose{max-width:820px;margin:0 auto;background:#fff;padding:2.5rem;border-radius:var(--radius-lg);border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.prose h2{margin-top:2rem;color:var(--brand-primary);font-size:1.5rem}
.prose h3{margin-top:1.5rem;color:var(--brand-supporting);font-size:1.15rem}
.prose ul{padding-left:1.25rem}
.prose li{margin-bottom:.35rem;color:var(--text-muted)}
.prose p{color:var(--text-muted)}

/* CTA banner */
.cta-band{background:linear-gradient(135deg,var(--brand-primary) 0%,var(--brand-secondary) 100%);color:#fff;text-align:center;padding:4rem 1rem}
.cta-band h2{color:#fff;margin-bottom:.35em}
.cta-band p{color:#f5e6d8;max-width:60ch;margin:0 auto 1.5rem}
.cta-band .btn-primary{background:#fff;color:var(--brand-primary)}
.cta-band .btn-primary:hover{background:var(--brand-cream)}
.cta-band .btn-outline{border-color:#fff}

/* Footer */
.site-footer{background:#2b1c11;color:#d8c6b3;padding:4rem 0 1.5rem;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:2.5rem;margin-bottom:2.5rem}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-family:var(--font-heading);font-size:1rem;margin:0 0 1rem;letter-spacing:.03em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer ul li{margin-bottom:.55rem}
.site-footer a{color:#d8c6b3}
.site-footer a:hover{color:var(--brand-accent-2)}
.footer-brand-block .footer-brand img{height:68px;margin-bottom:1rem}
.footer-brand-block p{color:#b8a693;font-size:.92rem}
.footer-social{display:flex;gap:.6rem;margin-top:1rem}
.footer-social a{
  width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);
  display:inline-flex;align-items:center;justify-content:center;transition:background var(--transition);
}
.footer-social a:hover{background:var(--brand-secondary)}
.footer-social svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:1.8}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.08);padding-top:1.5rem;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;font-size:.85rem;color:#a99680;
}

/* Floating buttons */
.fab-whatsapp,.fab-top{
  position:fixed;right:20px;z-index:800;width:56px;height:56px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-md);
  transition:transform var(--transition),background var(--transition);
}
.fab-whatsapp{bottom:24px;background:#25D366;color:#fff}
.fab-whatsapp:hover{transform:scale(1.08);color:#fff}
.fab-whatsapp svg{width:28px;height:28px;fill:#fff}
.fab-top{bottom:92px;background:var(--brand-primary);color:#fff;opacity:0;pointer-events:none}
.fab-top.show{opacity:1;pointer-events:auto}
.fab-top:hover{transform:translateY(-3px);background:#3f2314}
.fab-top svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}

/* Cookie banner */
.cookie-banner{
  position:fixed;left:20px;right:20px;bottom:20px;z-index:850;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:1.25rem 1.5rem;display:none;
  align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;
}
.cookie-banner.show{display:flex;animation:fadeIn .35s ease}
.cookie-banner p{margin:0;color:var(--text-muted);font-size:.9rem;flex:1 1 300px}
.cookie-banner .btns{display:flex;gap:.5rem}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* Utility */
.badges{display:flex;gap:.5rem;flex-wrap:wrap;justify-content:center;margin-top:1rem}
.badge{background:rgba(255,255,255,.14);color:#fff;padding:.35rem .75rem;border-radius:999px;font-size:.78rem;letter-spacing:.04em;border:1px solid rgba(255,255,255,.18)}

.notice{
  background:var(--brand-cream-2);border-left:4px solid var(--brand-secondary);
  padding:1rem 1.25rem;border-radius:12px;color:var(--brand-primary);font-size:.95rem;margin:1.5rem 0;
}

/* ============================================================
   v2 overrides — logo size, mobile menu, footer brand
   ============================================================ */

/* Larger logo, taller header (v7) */
:root{
  --header-h:128px;
}
.logo,.footer-brand img{
  height:108px !important; padding:8px 14px; border-radius:20px;
}
.site-header.scrolled .logo{ height:88px !important; }

@media (max-width:1100px){
  .site-nav ul{ gap:1.5rem; }
}
@media (max-width:980px){
  :root{ --header-h:104px; }
  .logo{ height:86px !important; }
  .site-header.scrolled .logo{ height:74px !important; }
}
@media (max-width:520px){
  :root{ --header-h:92px; }
  .logo{ height:76px !important; padding:6px 10px; }
  .site-header.scrolled .logo{ height:68px !important; }
}

/* Header alignment: keep nav centered, logo/CTA never overlap */
.header-inner{ gap:1rem; }
.site-nav{ pointer-events:auto; }

/* Mobile navigation — always above hero/banners */
@media (max-width:980px){
  .site-header{ z-index:2000; }
  .site-nav{
    position:fixed;
    top:calc(var(--header-h) + var(--topbar-h));
    left:0; right:0;
    width:100%;
    height:calc(100vh - var(--header-h) - var(--topbar-h));
    max-height:calc(100dvh - var(--header-h) - var(--topbar-h));
    background:#fff;
    z-index:1999;
    overflow-y:auto;
    -webkit-overflow-scrolling:touch;
    box-shadow:0 12px 40px rgba(0,0,0,.15);
    padding:1.25rem 1.25rem 3rem;
    transform:translateX(100%);
    transition:transform .32s cubic-bezier(.4,.0,.2,1);
  }
  .site-nav.open{ transform:translateX(0); }
  .site-nav ul{ gap:.15rem; }
  .site-nav a{
    font-size:1.05rem; padding:1rem .25rem;
    border-bottom:1px solid var(--border);
    background:#fff; color:var(--brand-primary);
  }
  /* Body lock when open */
  body.nav-open{ overflow:hidden; }
  .page-banner, .home-hero, section, .site-footer{ position:relative; z-index:1; }
}

/* Footer brand logo — visible + spaced */
.footer-brand-block .footer-brand img{
  height:120px !important; width:auto; margin-bottom:1rem;
  background:#fff; padding:10px 14px; border-radius:18px;
}

/* Ensure banner still has an overlay pattern without images */
.page-banner{ background-color:var(--brand-primary); }
.page-banner::before{
  background:linear-gradient(135deg,rgba(90,51,29,.85) 0%,rgba(122,70,38,.7) 50%,rgba(230,106,31,.6) 100%);
}

/* Prevent horizontal scroll on all viewports */
html,body{ overflow-x:hidden; }
img{ max-width:100%; height:auto; }

/* Service card images: preserve aspect + high quality */
.card-media img{
  aspect-ratio:14/9; object-fit:cover; width:100%;
  image-rendering:auto;
}

/* ============================================================
   v3 — Real photographic banner images per page
   ============================================================ */
.page-banner, .home-hero{
  background-size:cover;
  background-position:center;
  background-repeat:no-repeat;
}
/* Darker overlay so white headings stay legible on photos */
.page-banner::before, .home-hero::before{
  background:linear-gradient(135deg,rgba(30,15,7,.72) 0%,rgba(90,51,29,.55) 55%,rgba(230,106,31,.45) 100%) !important;
}

.p-home    .home-hero,    .p-home    .page-banner { background-image:url("../img/banner-home.png"); }
.p-about   .page-banner { background-image:url("../img/banner-about.png"); }
.p-apply   .page-banner { background-image:url("../img/banner-apply.png"); }
.p-calculator .page-banner { background-image:url("../img/banner-calculator.png"); }
.p-contact .page-banner { background-image:url("../img/banner-contact.png"); }
.p-faq     .page-banner { background-image:url("../img/banner-faq.png"); }
.p-loans   .page-banner { background-image:url("../img/banner-loans.png"); }
.p-legal   .page-banner { background-image:url("../img/banner-legal.png"); }
.p-fallback .page-banner { background-image:url("../img/fallback.png"); }

/* Ensure sufficient banner height for photo composition */
.page-banner{ min-height:340px; }
@media (max-width:720px){ .page-banner{ min-height:260px; } }

/* ============================================================
   v10 — signature pad + submission loader (additive only)
   ============================================================ */
.sig-pad{margin:1.5rem 0}
.sig-pad h3{margin:0 0 .35rem;font-size:1.05rem;color:var(--brand-brown,#5A331D)}
.sig-pad .sig-hint{margin:0 0 .6rem;font-size:.9rem;color:var(--text-muted,#6E5646)}
.sig-canvas-wrap{position:relative;background:#fff;border:2px dashed #EADFD3;border-radius:14px;overflow:hidden}
.sig-canvas-wrap canvas{display:block;width:100%;height:190px;touch-action:none;cursor:crosshair;background:#fff}
.sig-baseline{position:absolute;left:6%;right:6%;bottom:38px;border-bottom:1px solid #d9c8b8;pointer-events:none}
.sig-actions{display:flex;gap:.6rem;flex-wrap:wrap;align-items:center;margin-top:.6rem}
.sig-status{font-size:.88rem;color:var(--text-muted,#6E5646)}
@media (max-width:600px){.sig-canvas-wrap canvas{height:160px}}

.rof-loader{position:fixed;inset:0;z-index:9999;display:none;align-items:center;justify-content:center;padding:1.25rem;background:rgba(30,15,7,.78);backdrop-filter:blur(3px)}
.rof-loader.is-open{display:flex}
body.rof-loading{overflow:hidden}
.rof-loader-card{background:#fff;border-radius:20px;padding:2.25rem 1.75rem;max-width:430px;width:100%;text-align:center;box-shadow:0 24px 70px rgba(0,0,0,.35)}
.rof-loader-card h3{margin:1rem 0 .5rem;font-size:1.2rem;color:#5A331D}
.rof-loader-card p{margin:0;font-size:.92rem;line-height:1.6;color:#6E5646}
.rof-loader-step{margin-top:1rem;font-weight:700;color:#E66A1F;font-size:.95rem;min-height:1.3em}
.rof-spinner{width:56px;height:56px;margin:0 auto;border-radius:50%;border:5px solid #F3EAE0;border-top-color:#E66A1F;animation:rofspin .9s linear infinite}
@keyframes rofspin{to{transform:rotate(360deg)}}
@media (prefers-reduced-motion:reduce){.rof-spinner{animation-duration:2.4s}}