:root {
  --ink: #172033;
  --muted: #5b687a;
  --line: #d9e0e8;
  --paper: #ffffff;
  --soft: #f5f7fa;
  --blue: #1d4ed8;
  --teal: #0f766e;
  --rose: #9f1239;
  --amber: #b45309;
  --shadow: 0 18px 45px rgba(23, 32, 51, 0.13);
}

* { box-sizing: border-box; }

html {
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

body {
  margin: 0;
  background: var(--paper);
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(20px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 8px;
  background: var(--ink);
  color: #fff;
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.site-nav a {
  border-radius: 8px;
  color: #2d3849;
  font-weight: 650;
  padding: 9px 12px;
}

.site-nav a:hover {
  background: var(--soft);
}

.menu-button {
  display: none;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-weight: 700;
  padding: 8px 11px;
}

.hero {
  min-height: 72vh;
  display: flex;
  align-items: center;
  padding: clamp(68px, 8vw, 108px) clamp(20px, 5vw, 80px);
  background:
    linear-gradient(90deg, rgba(10, 21, 40, 0.88), rgba(10, 21, 40, 0.58), rgba(10, 21, 40, 0.12)),
    url("/assets/sme-loan-preview.png") center right / cover no-repeat;
  color: #fff;
}

.hero-copy {
  max-width: 780px;
}

.eyebrow {
  color: var(--teal);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  margin: 0 0 10px;
  text-transform: uppercase;
}

.hero .eyebrow {
  color: #7dd3c7;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  font-size: clamp(42px, 7vw, 78px);
  line-height: 1.02;
  margin-bottom: 18px;
}

h2 {
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.08;
  margin-bottom: 16px;
}

h3 {
  font-size: 22px;
  line-height: 1.18;
  margin-bottom: 12px;
}

.hero p,
.page-hero p {
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(18px, 2vw, 22px);
  max-width: 790px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  align-items: center;
  border-radius: 8px;
  display: inline-flex;
  font-weight: 800;
  min-height: 44px;
  padding: 11px 16px;
}

.button.primary {
  background: var(--blue);
  color: #fff;
}

.button.secondary {
  background: #fff;
  color: var(--ink);
}

.intro-band,
.section,
.split-section,
.form-section {
  padding: clamp(48px, 7vw, 86px) clamp(20px, 5vw, 80px);
}

.intro-band {
  align-items: center;
  background: #eef6f5;
  display: grid;
  gap: 28px;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
}

.intro-band p:last-child {
  color: #324152;
  font-size: 20px;
  margin-bottom: 0;
}

.section-heading {
  max-width: 780px;
  margin-bottom: 26px;
}

.services-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.service-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  min-height: 268px;
  padding: 22px;
}

.service-card:nth-child(3n + 1) {
  border-top: 4px solid var(--blue);
}

.service-card:nth-child(3n + 2) {
  border-top: 4px solid var(--teal);
}

.service-card:nth-child(3n) {
  border-top: 4px solid var(--rose);
}

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

.service-card span {
  color: var(--amber);
  display: block;
  font-size: 14px;
  font-weight: 800;
  margin-top: 18px;
}

.split-section {
  align-items: center;
  display: grid;
  gap: clamp(26px, 5vw, 64px);
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
}

.process-list {
  counter-reset: step;
  display: grid;
  gap: 12px;
  list-style: none;
  margin: 24px 0 0;
  padding: 0;
}

.process-list li {
  border-left: 4px solid var(--teal);
  background: var(--soft);
  border-radius: 0 8px 8px 0;
  padding: 14px 16px;
}

.process-list strong,
.process-list span {
  display: block;
}

.process-list span {
  color: var(--muted);
}

.preview-figure {
  margin: 0;
}

.preview-figure img {
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.preview-figure figcaption {
  color: var(--muted);
  font-size: 14px;
  margin-top: 12px;
}

.contrast {
  background: #172033;
  color: #fff;
}

.contrast .eyebrow {
  color: #7dd3c7;
}

.proof-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.proof-grid div,
.stacked-panels div,
.bullet-panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px;
}

.contrast .proof-grid div {
  border-color: rgba(255, 255, 255, 0.2);
}

.proof-grid strong,
.proof-grid span,
.stacked-panels strong,
.stacked-panels span {
  display: block;
}

.proof-grid span,
.stacked-panels span {
  color: var(--muted);
  margin-top: 8px;
}

.contrast .proof-grid span {
  color: rgba(255, 255, 255, 0.72);
}

.page-hero {
  background: #172033;
  color: #fff;
  padding: clamp(64px, 9vw, 110px) clamp(20px, 5vw, 80px);
}

.page-hero.compact {
  min-height: 42vh;
}

.service-hero {
  background:
    linear-gradient(90deg, rgba(23, 32, 51, 0.94), rgba(23, 32, 51, 0.74)),
    url("/assets/sme-loan-preview.png") center / cover no-repeat;
}

.stacked-panels {
  display: grid;
  gap: 12px;
}

.bullet-panel h2 {
  font-size: 26px;
}

.bullet-panel ul {
  margin: 0;
  padding-left: 20px;
}

.bullet-panel li + li {
  margin-top: 12px;
}

.form-section {
  background: var(--soft);
}

.lead-form {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  display: grid;
  gap: 16px;
  margin: 0 auto;
  max-width: 820px;
  padding: clamp(22px, 4vw, 36px);
}

.lead-form label {
  color: #2b3645;
  display: grid;
  font-weight: 800;
  gap: 8px;
}

.lead-form input,
.lead-form select,
.lead-form textarea {
  border: 1px solid #cbd5e1;
  border-radius: 8px;
  color: var(--ink);
  font: inherit;
  padding: 12px 13px;
  width: 100%;
}

.form-note {
  color: var(--muted);
  font-size: 14px;
  margin: 0;
}

.site-footer {
  background: #f0f3f7;
  border-top: 1px solid var(--line);
  display: grid;
  gap: 24px;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  padding: 34px clamp(20px, 5vw, 80px);
}

.site-footer p {
  color: var(--muted);
  margin-bottom: 0;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: flex-end;
}

.footer-links a {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: #2d3849;
  font-size: 14px;
  font-weight: 700;
  padding: 8px 10px;
}

@media (max-width: 920px) {
  .menu-button {
    display: inline-flex;
  }

  .site-nav {
    display: none;
    position: absolute;
    left: 20px;
    right: 20px;
    top: 72px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
    box-shadow: var(--shadow);
    flex-direction: column;
    padding: 10px;
  }

  .site-nav.open {
    display: flex;
  }

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

  .hero {
    min-height: 70vh;
    background:
      linear-gradient(90deg, rgba(10, 21, 40, 0.9), rgba(10, 21, 40, 0.72)),
      url("/assets/sme-loan-preview.png") center / cover no-repeat;
  }

  .intro-band,
  .split-section,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .services-grid,
  .proof-grid {
    grid-template-columns: 1fr;
  }

  .footer-links {
    justify-content: flex-start;
  }
}

@media (max-width: 560px) {
  .brand small {
    display: none;
  }

  .hero-actions,
  .button {
    width: 100%;
  }

  .button {
    justify-content: center;
  }
}