/* =========================================================
   One Second Cash — Site Stylesheet
   Palette taken from the logo: deep navy + gold (flat colors, no gradients, no italics)
   ========================================================= */

   :root{
    /* Core palette (sampled from logo) */
    --navy-900:#1E3A5F;
    --navy-800:#264A78;
    --navy-700:#1E3A5F;
    --navy-600:#2F5A8C;
    --gold-500:#E0A91F;
    --gold-600:#B8861A;
    --gold-100:#F7ECCB;
    --gold-light:#F2C85B;
    --whatsapp:#25D366;
    --intumwa:#2F5A8C;
    --bg:#F4F6F9;
    --surface:#FFFFFF;
    --text:#14233B;
    --text-muted:#5B6577;
    --border:#E3E6ED;
    --success:#1E8E5A;
    --danger:#C0392B;
  
    /* Type */
    --font-head:'Poppins', Arial, sans-serif;
    --font-body:'Inter', Arial, sans-serif;
  
    /* Layout */
    --container:1180px;
    --radius-sm:4px;
    --radius-md:8px;
    --shadow-card:0 10px 24px rgba(30,58,95,0.25);
    --shadow-card-hover:0 18px 34px rgba(30,58,95,0.3);
    --header-h:76px;
  }
  
  /* ---------- Reset ---------- */
  *,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{
    font-family:var(--font-body);
    color:var(--text);
    background:var(--bg);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  img{max-width:100%;display:block;}
  a{color:inherit;text-decoration:none;}
  ul{list-style:none;}
  button{font-family:inherit;cursor:pointer;border:none;background:none;}
  h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy-900);line-height:1.2;font-weight:700;}
  em,i.fab-em,.no-italic{font-style:normal;}
  em{font-style:normal;}
  p{color:var(--text-muted);}
  .skip-link{
    position:absolute;left:-999px;top:0;background:var(--navy-900);color:#fff;padding:12px 18px;z-index:999;
  }
  .skip-link:focus{left:12px;top:12px;}
  
  @media (prefers-reduced-motion: reduce){
    *{animation-duration:0.001ms !important;animation-iteration-count:1 !important;transition-duration:0.001ms !important;scroll-behavior:auto !important;}
  }
  
  .container{max-width:var(--container);margin:0 auto;padding:0 24px;}
  section{padding:96px 0;}
  .section-head{max-width:680px;margin:0 0 56px;}
  .section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
  .section-head h2{font-size:2.1rem;margin-bottom:14px;}
  .section-head p{font-size:1.05rem;}
  .section-tag{
    display:inline-block;font-family:var(--font-head);font-weight:600;font-size:0.8rem;
    color:var(--gold-600);letter-spacing:0.03em;margin-bottom:10px;
  }
  .bg-navy{background:var(--navy-900);}
  .bg-surface{background:var(--surface);}
  
  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:8px;
    font-family:var(--font-head);font-weight:600;font-size:0.95rem;
    padding:14px 28px;border-radius:var(--radius-sm);
    transition:transform 0.12s ease, box-shadow 0.12s ease, background 0.15s ease;
    border:2px solid transparent;
  }
  .btn:active{transform:translateY(2px);}
  .btn-primary{background:var(--gold-500);color:var(--navy-900);}
  .btn-primary:hover{background:var(--gold-600);}
  .btn-outline{background:transparent;border-color:rgba(255,255,255,0.55);color:#fff;}
  .btn-outline:hover{background:rgba(255,255,255,0.12);}
  .btn-outline-navy{background:transparent;border-color:var(--navy-700);color:var(--navy-800);}
  .btn-outline-navy:hover{background:var(--navy-900);color:#fff;border-color:var(--navy-900);}
  .btn-block{width:100%;}
  .btn-sm{padding:10px 18px;font-size:0.85rem;}
  .cta-row{display:flex;gap:16px;flex-wrap:wrap;}
  
  /* ---------- Header / Nav ---------- */
  .scroll-progress{
    position:fixed;top:0;left:0;height:3px;background:var(--gold-500);width:0%;z-index:1100;
  }
  .site-header{
    position:fixed;top:0;left:0;right:0;z-index:1000;height:var(--header-h);
    background:var(--navy-900);
  }
  .site-header.is-scrolled{
    box-shadow:0 4px 18px rgba(0,0,0,0.18);
  }
  .header-inner{
    max-width:var(--container);margin:0 auto;padding:0 24px;height:100%;
    display:flex;align-items:center;justify-content:space-between;
  }
  .brand{display:flex;align-items:center;gap:10px;font-family:var(--font-head);}
  .brand-mark{
    width:40px;height:40px;border-radius:var(--radius-sm);background:var(--gold-500);
    color:var(--navy-900);display:flex;align-items:center;justify-content:center;
    font-weight:800;font-size:0.95rem;flex:none;
  }
  .brand-name{color:#fff;font-weight:700;font-size:1.1rem;letter-spacing:0.01em;}
  .brand-suffix{font-style:normal;color:var(--gold-500);font-weight:600;}
  .brand--footer .brand-name{color:#fff;}
  
  .site-nav ul{display:flex;align-items:center;gap:6px;}
  .site-nav a, .dropdown-toggle{
    color:white;font-family:var(--font-head);font-weight:500;font-size:0.92rem;
    padding:10px 14px;border-radius:var(--radius-sm);display:flex;align-items:center;gap:6px;
    transition:background 0.15s ease, color 0.15s ease;
  }
  .site-nav a:hover,.site-nav a.is-active,.dropdown-toggle:hover{background:rgba(255,255,255,0.1);color:#fff;}
  .site-nav a.is-active{
    color:var(--gold-light);
    
  }
  .nav-webmail{background:var(--gold-500);color:var(--navy-900) !important;}
  .nav-webmail:hover{background:var(--gold-600);color:var(--navy-900) !important;}
  
  .has-dropdown{position:relative;}
  .dropdown-menu{
    position:absolute;top:calc(100% + 6px);left:0;background:var(--surface);
    min-width:260px;border-radius:var(--radius-md);box-shadow:var(--shadow-card-hover);
    padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);
    transition:opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
  }
  .has-dropdown:hover .dropdown-menu,
  .has-dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);}
  .dropdown-menu li a{color:var(--text);padding:10px 12px;border-radius:var(--radius-sm);font-weight:500;}
  .dropdown-menu li a:hover{background:var(--bg);color:var(--navy-900);}
  
  .nav-toggle{
    display:none;flex-direction:column;gap:5px;width:34px;height:28px;justify-content:center;
  }
  .nav-toggle span{width:100%;height:2px;background:#fff;border-radius:2px;transition:transform 0.2s ease, opacity 0.2s ease;}
  
  /* ---------- Hero ---------- */
  .hero{
    position:relative;background:var(--navy-900);color:#fff;padding:calc(var(--header-h) + 96px) 0 96px;
    overflow:hidden;
  }
  .hero-bg{
    position:absolute;inset:0;background-size:cover;background-position:center;opacity:0.7;
    will-change:transform;
  }
  .hero-bg::after{content:"";position:absolute;inset:0;background:var(--navy-900);opacity:0.55;}
  .hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr 0.9fr;gap:56px;align-items:center;}
  .hero-eyebrow{color:var(--gold-500);font-family:var(--font-head);font-weight:600;font-size:0.9rem;margin-bottom:16px;}
  .hero h1{color:#fff;font-size:2.7rem;margin-bottom:20px;max-width:640px;}
  .hero p.lead{color:rgba(255,255,255,0.82);font-size:1.12rem;max-width:560px;margin-bottom:32px;}
  .hero-office{
    margin-top:34px;display:flex;gap:14px;align-items:flex-start;color:rgba(255,255,255,0.78);font-size:0.92rem;
  }
  .hero-office i{color:var(--gold-500);margin-top:3px;}
  .hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px;}
  .hero-stat{border-left:3px solid var(--gold-500);padding-left:14px;}
  .hero-stat .num{font-family:var(--font-head);font-size:1.5rem;font-weight:700;color:#fff;}
  .hero-stat .label{font-size:0.82rem;color:rgba(255,255,255,0.7);}
  .hero-media{position:relative;}
  .hero-media .media-frame{
    background:var(--navy-800);border:1px solid rgba(255,255,255,0.14);border-radius:var(--radius-md);
    padding:26px;box-shadow:var(--shadow-card-hover);
  }
  .hero-media .media-frame h3{color:#fff;font-size:1.15rem;margin-bottom:14px;}
  .hero-media .frame-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,0.12);color:rgba(255,255,255,0.85);font-size:0.92rem;}
  .hero-media .frame-row:last-child{border-bottom:none;}
  .hero-media .frame-row strong{color:var(--gold-500);font-family:var(--font-head);}
  
  .hero--sub{padding:calc(var(--header-h) + 70px) 0 80px;}
  .hero--sub h1{font-size:2.3rem;}
  .hero--sub .hero-inner{grid-template-columns:1fr;text-align:left;max-width:760px;}
  
  /* ---------- Card grids ---------- */
  .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
  .grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;}
  .grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
  
  .card{
    background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);
    padding:34px 28px;transition:box-shadow 0.2s ease, transform 0.2s ease;
  }
  /* .card:hover{box-shadow:var(--shadow-card-hover);} */
  .service-card .icon-badge{
    width:56px;height:56px;border-radius:var(--radius-sm);background:var(--navy-900);color:var(--gold-500);
    display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:20px;
  }
  .service-card h3{font-size:1.2rem;margin-bottom:10px;}
  .service-card p{margin-bottom:18px;}
  .service-card a.learn-more{
    font-family:var(--font-head);font-weight:600;color:var(--navy-800);display:inline-flex;align-items:center;gap:8px;
    font-size:0.9rem;
  }
  .service-card a.learn-more i{transition:transform 0.15s ease;}
  .service-card a.learn-more:hover i{transform:translateX(4px);}
  
  .value-card{border-top:3px solid var(--gold-500);}
  .value-card .icon-badge{background:var(--gold-100);color:var(--gold-600);}
  .value-card h3{font-size:1.1rem;margin-bottom:8px;}
  
  /* ---------- Why choose us (list style) ---------- */
  .why-block{display:grid;grid-template-columns:0.9fr 1.1fr;gap:56px;align-items:center;}
  .why-list{display:flex;flex-direction:column;gap:26px;margin-top:8px;}
  .why-item{display:flex;gap:18px;}
  .why-item .num{
    font-family:var(--font-head);font-weight:700;color:var(--gold-500);font-size:1rem;
    width:38px;height:38px;border:2px solid var(--gold-500);border-radius:50%;
    display:flex;align-items:center;justify-content:center;flex:none;
  }
  .why-item h3{font-size:1.08rem;margin-bottom:4px;}
  .why-panel{
    background:var(--navy-900);color:#fff;border-radius:var(--radius-md);padding:40px;
  }
  .why-panel h3{color:#fff;font-size:1.3rem;margin-bottom:14px;}
  .why-panel p{color:rgba(255,255,255,0.78);margin-bottom:22px;}
  
  /* ---------- How it works / process timeline (horizontal, numbered) ---------- */
  .process-line{
    position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:20px;
  }
  .process-line::before{
    content:"";position:absolute;top:29px;left:12.5%;right:12.5%;height:2px;background:var(--border);
  }
  .process-step{position:relative;text-align:left;}
  .process-step .step-num{
    width:58px;height:58px;border-radius:50%;background:var(--navy-900);color:var(--gold-500);
    display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:1.2rem;
    margin-bottom:18px;position:relative;z-index:2;border:4px solid var(--bg);
  }
  .process-step h3{font-size:1.05rem;margin-bottom:8px;}
  .process-step p{font-size:0.94rem;}
  
  /* ---------- CTA banner ---------- */
  .cta-banner{
    background:var(--navy-900);color:#fff;border-radius:var(--radius-md);
    padding:56px 48px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;
  }
  .cta-banner h2{color:#fff;font-size:1.7rem;margin-bottom:8px;}
  .cta-banner p{color:rgba(255,255,255,0.8);}
  
  /* ---------- Timeline (vertical, animated) ---------- */
  .story-timeline{position:relative;max-width:760px;margin:0 auto;padding-left:0;}
  .story-timeline::before{
    content:"";position:absolute;left:29px;top:0;bottom:0;width:2px;background:var(--border);
  }
  .story-timeline .timeline-progress{
    position:absolute;left:29px;top:0;width:2px;background:var(--gold-500);height:0%;transition:height 0.2s linear;
  }
  .timeline-item{position:relative;padding:0 0 56px 76px;}
  .timeline-item:last-child{padding-bottom:0;}
  .timeline-dot{
    position:absolute;left:12px;top:0;width:36px;height:36px;border-radius:50%;
    background:var(--surface);border:3px solid var(--navy-700);
    display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;color:var(--navy-800);
    font-size:0.82rem;transition:background 0.25s ease, border-color 0.25s ease, color 0.25s ease;
  }
  .timeline-item.is-active .timeline-dot{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900);}
  .timeline-year{font-family:var(--font-head);color:var(--gold-600);font-weight:600;font-size:0.9rem;margin-bottom:6px;}
  .timeline-item h3{font-size:1.15rem;margin-bottom:8px;}
  
  /* ---------- Compliance ---------- */
  .compliance-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
  .compliance-card h3{font-size:1.15rem;margin-bottom:6px;display:flex;align-items:center;gap:10px;}
  .compliance-card h3 i{color:var(--gold-600);}
  .compliance-card > p{margin-bottom:18px;}
  .compliance-card ul li{
    display:flex;gap:10px;padding:10px 0;border-top:1px solid var(--border);color:var(--text-muted);font-size:0.95rem;
  }
  .compliance-card ul li:first-child{border-top:none;}
  .compliance-card ul li i{color:var(--success);margin-top:3px;}
  
  /* ---------- Team ---------- */
  .team-lead{
    display:grid;grid-template-columns:0.85fr 1.4fr;gap:44px;align-items:center;
    background:var(--navy-900);color:#fff;border-radius:var(--radius-md);padding:44px;margin-bottom:8px;
  }
  .team-lead-photo{
    width:100%;aspect-ratio:1/1;border-radius:var(--radius-md);background:var(--navy-800);
    display:flex;align-items:center;justify-content:center;color:var(--gold-500);font-size:4rem;overflow:hidden;
  }
  .team-lead-photo img{width:100%;height:100%;object-fit:cover;}
  .team-lead-content .team-role{color:var(--gold-500);}
  .team-lead-content h3{color:#fff;font-size:1.6rem;margin:6px 0 18px;}
  .team-lead-content p{color:rgba(255,255,255,0.8);margin-bottom:16px;}
  .team-lead-content p:last-child{margin-bottom:0;}
  
  .team-reports-label{
    display:flex;align-items:center;gap:16px;margin:36px 0 28px;color:var(--text-muted);
    font-family:var(--font-head);font-weight:600;font-size:0.85rem;
  }
  .team-reports-label::before,
  .team-reports-label::after{content:"";flex:1;height:1px;background:var(--border);}
  
  .team-card{text-align:left;}
  .team-photo{
    width:100%;aspect-ratio:1/1;border-radius:var(--radius-md);background:var(--navy-800);
    display:flex;align-items:center;justify-content:center;color:var(--gold-500);font-size:2.6rem;
    margin-bottom:20px;overflow:hidden;
  }
  .team-photo img{width:100%;height:100%;object-fit:cover;}
  .team-card h3{font-size:1.1rem;margin-bottom:2px;}
  .team-role{color:var(--gold-600);font-family:var(--font-head);font-weight:600;font-size:0.86rem;margin-bottom:12px;display:block;}
  .team-card p{font-size:0.92rem;}
  
  /* ---------- Tables (benefits / hours) ---------- */
  .benefit-table{width:100%;border-collapse:collapse;margin:22px 0 28px;}
  .benefit-table tr{border-top:1px solid var(--border);}
  .benefit-table tr:first-child{border-top:none;}
  .benefit-table td{padding:16px 6px;vertical-align:top;}
  .benefit-table td.b-icon{width:40px;color:var(--gold-600);font-size:1.1rem;}
  .benefit-table td.b-label{font-family:var(--font-head);font-weight:600;color:var(--navy-900);width:38%;}
  .benefit-table td.b-value{color:var(--text-muted);}
  
  .hours-table{width:100%;border-collapse:collapse;}
  .hours-table th,.hours-table td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--border);}
  .hours-table th{font-family:var(--font-head);background:var(--navy-900);color:#fff;font-size:0.88rem;}
  .hours-table td{font-size:0.94rem;color:var(--text-muted);}
  .status-closed{color:var(--danger);font-weight:600;}
  .status-open{color:var(--success);font-weight:600;}
  
  /* ---------- Service detail blocks ---------- */
  .service-detail{padding:88px 0;}
  .service-detail:nth-of-type(even){background:var(--surface);}
  .service-detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
  .service-detail .kicker{color:var(--gold-600);font-family:var(--font-head);font-weight:600;font-size:0.9rem;margin-bottom:12px;}
  .service-detail h2{font-size:1.9rem;margin-bottom:18px;}
  .service-icon-lg{
    width:72px;height:72px;border-radius:var(--radius-md);background:var(--navy-900);color:var(--gold-500);
    display:flex;align-items:center;justify-content:center;font-size:1.8rem;margin-bottom:22px;
  }
  
  /* ---------- Contact page ---------- */
  .contact-grid{display:grid;grid-template-columns:0.85fr 1.15fr;gap:48px;align-items:start;}
  .contact-info-card{
    background:var(--navy-900);color:#fff;border-radius:var(--radius-md);padding:36px;
  }
  .contact-info-card h3{color:#fff;font-size:1.2rem;margin-bottom:22px;}
  .contact-info-row{display:flex;gap:16px;padding:16px 0;border-top:1px solid rgba(255,255,255,0.14);}
  .contact-info-row:first-of-type{border-top:none;}
  .contact-info-row i{color:var(--gold-500);font-size:1.1rem;width:22px;}
  .contact-info-row .label{font-family:var(--font-head);font-weight:600;font-size:0.88rem;color:rgba(255,255,255,0.6);margin-bottom:2px;}
  .contact-info-row .value{color:#fff;font-size:0.96rem;}
  
  .form-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:40px;}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px;}
  .form-group{display:flex;flex-direction:column;gap:8px;}
  .form-group.full{grid-column:1/-1;}
  .form-group label{font-family:var(--font-head);font-weight:600;font-size:0.88rem;color:var(--navy-900);}
  .form-group label .req{color:var(--danger);}
  .form-group input,
  .form-group select,
  .form-group textarea{
    border:1px solid var(--border);border-radius:var(--radius-sm);padding:13px 14px;
    font-family:var(--font-body);font-size:0.95rem;color:var(--text);background:var(--bg);
    transition:border-color 0.15s ease, background 0.15s ease;
  }
  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus{
    outline:none;border-color:var(--navy-700);background:#fff;
  }
  .form-group textarea{resize:vertical;min-height:130px;}
  .form-msg{
    border-radius:var(--radius-sm);padding:14px 16px;margin-bottom:20px;font-size:0.92rem;display:none;
  }
  .form-msg.is-success{display:block;background:#E7F5EE;color:var(--success);border:1px solid #BFE6D2;}
  .form-msg.is-error{display:block;background:#FBEAE7;color:var(--danger);border:1px solid #F1C6BD;}
  .field-error{color:var(--danger);font-size:0.8rem;display:none;}
  .form-group.has-error input,
  .form-group.has-error select,
  .form-group.has-error textarea{border-color:var(--danger);}
  .form-group.has-error .field-error{display:block;}
  
  /* ---------- Floating action buttons ---------- */
  .floating-actions{
    position:fixed;right:22px;bottom:24px;z-index:900;display:flex;flex-direction:column;gap:14px;align-items:flex-end;
  }
  .fab-wrap{position:relative;display:flex;align-items:center;}
  .fab{
    width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;
    color:#fff;font-size:1.5rem;box-shadow:0 8px 20px rgba(18,34,58,0.28);position:relative;
    transition:transform 0.15s ease, box-shadow 0.15s ease;
  }
  .fab:hover{transform:translateY(-3px);box-shadow:0 12px 26px rgba(18,34,58,0.34);}
  .fab-whatsapp{background:var(--whatsapp);}
  .fab-intumwa{background:var(--intumwa);font-size:1.3rem;}
  .fab-pulse{
    position:absolute;inset:0;border-radius:50%;background:var(--whatsapp);opacity:0.55;
    animation:fabPulse 2.4s ease-out infinite;
  }
  @keyframes fabPulse{
    0%{transform:scale(1);opacity:0.5;}
    100%{transform:scale(1.7);opacity:0;}
  }
  .fab-tooltip{
    position:absolute;right:70px;background:var(--navy-900);color:#fff;font-size:0.8rem;font-family:var(--font-head);
    font-weight:500;padding:8px 12px;border-radius:var(--radius-sm);white-space:nowrap;
    opacity:0;visibility:hidden;transform:translateX(6px);transition:opacity 0.15s ease, transform 0.15s ease, visibility 0.15s ease;
  }
  .fab-wrap:hover .fab-tooltip{opacity:1;visibility:visible;transform:translateX(0);}
  
  /* ---------- Intumwa modal ---------- */
  .intumwa-overlay{
    position:fixed;inset:0;background:rgba(18,34,58,0.5);z-index:1300;
    opacity:0;visibility:hidden;transition:opacity 0.2s ease, visibility 0.2s ease;
  }
  .intumwa-overlay.is-open{opacity:1;visibility:visible;}
  
  .intumwa-modal{
    position:fixed;right:22px;bottom:24px;z-index:1400;width:360px;max-width:calc(100vw - 32px);
    max-height:min(560px,calc(100vh - 48px));background:var(--surface);border-radius:var(--radius-md);
    box-shadow:0 24px 60px rgba(18,34,58,0.35);display:flex;flex-direction:column;overflow:hidden;
    opacity:0;visibility:hidden;transform:translateY(16px) scale(0.98);
    transition:opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  }
  .intumwa-modal.is-open{opacity:1;visibility:visible;transform:translateY(0) scale(1);}
  
  .intumwa-modal-header{
    background:var(--intumwa);color:#fff;padding:18px 20px;display:flex;align-items:flex-start;justify-content:space-between;gap:12px;flex:none;
  }
  .intumwa-modal-title{display:flex;gap:12px;align-items:flex-start;}
  .intumwa-modal-icon{
    width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,0.16);
    display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex:none;
  }
  .intumwa-modal-title h3{color:#fff;font-size:1.05rem;margin-bottom:2px;}
  .intumwa-modal-title p{color:rgba(255,255,255,0.85);font-size:0.78rem;}
  .intumwa-modal-close{color:#fff;font-size:1.05rem;opacity:0.85;padding:4px;}
  .intumwa-modal-close:hover{opacity:1;}
  
  .intumwa-modal-body{
    flex:1;overflow-y:auto;padding:18px 20px;display:flex;flex-direction:column;gap:12px;background:var(--bg);
  }
  .intumwa-msg{max-width:88%;}
  .intumwa-msg p{
    background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);
    padding:12px 14px;font-size:0.88rem;color:var(--text);line-height:1.5;
  }
  .intumwa-msg-bot{align-self:flex-start;}
  .intumwa-msg-bot p{border-bottom-left-radius:2px;}
  .intumwa-msg-user{align-self:flex-end;}
  .intumwa-msg-user p{background:var(--navy-900);color:#fff;border-color:var(--navy-900);border-bottom-right-radius:2px;}
  .intumwa-msg-notice p{background:var(--gold-100);border-color:var(--gold-100);color:var(--navy-800);font-size:0.8rem;}
  .intumwa-msg-notice i{color:var(--gold-600);margin-right:4px;}
  
  .intumwa-modal-input{
    display:flex;gap:10px;padding:14px;border-top:1px solid var(--border);background:var(--surface);flex:none;
  }
  .intumwa-modal-input input{
    flex:1;border:1px solid var(--border);border-radius:var(--radius-sm);padding:11px 14px;
    font-family:var(--font-body);font-size:0.9rem;background:var(--bg);
  }
  .intumwa-modal-input input:focus{outline:none;border-color:var(--intumwa);background:#fff;}
  .intumwa-modal-input button{
    width:42px;height:42px;border-radius:var(--radius-sm);background:var(--intumwa);color:#fff;
    display:flex;align-items:center;justify-content:center;flex:none;transition:background 0.15s ease;
  }
  .intumwa-modal-input button:hover{background:var(--navy-800);}
  
  @media (max-width:480px){
    .intumwa-modal{right:16px;left:16px;width:auto;bottom:16px;}
  }
  
  .back-to-top{
    position:fixed;left:22px;bottom:24px;width:46px;height:46px;border-radius:50%;
    background:var(--navy-900);color:#fff;display:flex;align-items:center;justify-content:center;
    box-shadow:0 8px 20px rgba(18,34,58,0.28);opacity:0;visibility:hidden;transform:translateY(10px);
    transition:opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;z-index:900;
  }
  .back-to-top.is-visible{opacity:1;visibility:visible;transform:translateY(0);}
  .back-to-top:hover{background:var(--navy-600);}
  
  /* ---------- Footer ---------- */
  .site-footer{background:var(--navy-900);color:rgba(255,255,255,0.82);padding:72px 0 0;}
  .footer-top{
    max-width:var(--container);margin:0 auto;padding:0 24px 56px;
    display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;
  }
  .footer-col h3{color:#fff;font-size:1rem;margin-bottom:18px;font-family:var(--font-head);}
  .footer-col ul li{margin-bottom:11px;}
  .footer-col ul li a{color:rgba(255,255,255,0.72);font-size:0.92rem;transition:color 0.15s ease;}
  .footer-col ul li a:hover{color:var(--gold-500);}
  .footer-about p{color:rgba(255,255,255,0.68);font-size:0.92rem;margin:16px 0 20px;max-width:340px;}
  .footer-contact-list{margin-bottom:20px;}
  .footer-contact-list li{display:flex;gap:10px;font-size:0.9rem;margin-bottom:10px;color:rgba(255,255,255,0.72);}
  .footer-contact-list li i{color:var(--gold-500);margin-top:3px;}
  .footer-socials{display:flex;gap:10px;}
  .footer-socials a{
    width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.08);
    display:flex;align-items:center;justify-content:center;color:#fff;transition:background 0.15s ease;
  }
  .footer-socials a:hover{background:var(--gold-500);color:var(--navy-900);}
  .footer-bottom{
    border-top:1px solid rgba(255,255,255,0.12);padding:22px 24px;text-align:center;font-size:0.85rem;
    color:white;
  }
  .footer-registered{margin-top:4px;}
  
  /* ---------- AOS override safety (no italics) ---------- */
  [data-aos]{font-style:normal;}
  
  /* =========================================================
     Responsive
     ========================================================= */
  @media (max-width:1024px){
    .hero-inner{grid-template-columns:1fr;}
    .hero-media{order:-1;}
    .why-block{grid-template-columns:1fr;}
    .grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}
    .compliance-grid{grid-template-columns:1fr;}
    .service-detail-grid{grid-template-columns:1fr;}
    .contact-grid{grid-template-columns:1fr;}
    .footer-top{grid-template-columns:1fr 1fr;}
    .team-lead{grid-template-columns:1fr;text-align:center;}
    .team-lead-photo{max-width:260px;margin:0 auto;}
  }
  
  @media (max-width:820px){
    .nav-toggle{display:flex;}
  
    .site-nav{
      position:fixed;
      top:0;
      right:0;
      height:100vh;
      width:0;
      background:var(--navy-900);
      padding:0;
      overflow:hidden;
    }
    .site-nav.is-open{
      width:50%;
      padding:100px 28px 28px;
      overflow-y:auto;
    }
    
  
    .site-nav ul{flex-direction:column;align-items:stretch;gap:4px;}
    .dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:rgba(255,255,255,0.04);display:none;}
    .has-dropdown.is-open .dropdown-menu{display:block;}
    .dropdown-menu li a{color:rgba(255,255,255,0.78);}
    .dropdown-menu li a:hover{background:rgba(255,255,255,0.08);color:#fff;}
    .site-header.is-scrolled{background:var(--navy-900);}
    .header-inner{position:relative;z-index:1200;}
  }
  
  @media (max-width:480px){
    .site-nav.is-open{width:80%;}
  }
  
  @media (max-width:768px){
    section{padding:64px 0;}
    .hero{padding:calc(var(--header-h) + 56px) 0 64px;}
    .hero h1{font-size:2.1rem;}
    .grid-3,.grid-4,.grid-2{grid-template-columns:1fr;}
    .process-line{grid-template-columns:1fr;}
    .process-line::before{display:none;}
    .hero-stats{grid-template-columns:1fr;}
    .cta-banner{flex-direction:column;text-align:center;padding:40px 28px;}
    .form-row{grid-template-columns:1fr;}
    .footer-top{grid-template-columns:1fr;}
    .fab{width:52px;height:52px;font-size:1.3rem;}
    .fab-tooltip{display:none;}
  }
  
  /* ===== One Second Cash additions ===== */
  .brand img{height:56px;width:auto;background:#fff;border-radius:6px;padding:3px}
  .lang-switch{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.35);font-weight:700}
  .site-nav .nav-apply{background:var(--gold-500);color:var(--navy-900)!important}
  .site-nav .nav-apply:hover{background:var(--gold-600)}
  /* hero calculator */
  .calc-card{background:#fff;color:var(--text);border-radius:var(--radius-md);padding:28px;border-top:6px solid var(--gold-500);box-shadow:var(--shadow-card-hover)}
  .calc-card h3{font-size:1.2rem;margin-bottom:14px}
  .calc-card label{display:block;font-weight:600;font-size:.9rem;color:var(--navy-900);margin:14px 0 6px}
  .calc-card input[type=number]{width:100%;padding:12px;border:1px solid var(--border);border-radius:var(--radius-sm);font:inherit}
  .calc-card input[type=range]{width:100%;accent-color:var(--gold-600)}
  .calc-res{margin-top:16px;border-top:1px solid var(--border)}
  .calc-res div{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border);color:var(--text-muted);font-size:.93rem}
  .calc-res strong{color:var(--navy-900);font-family:var(--font-head)}
  .calc-res .big strong{font-size:1.4rem;color:var(--gold-600)}
  .calc-card small{display:block;margin-top:12px;color:var(--text-muted)}
  /* apply / track forms */
  .form-group input[type=text],.form-group input[type=tel],.form-group input[type=email],.form-group input[type=number],.form-group input[type=file],.form-group select,.form-group textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:var(--radius-sm);font:inherit;background:#fff;color:var(--text)}
  .form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:2px solid var(--gold-500);border-color:var(--gold-500)}
  .form-section{font-size:1.1rem;margin:30px 0 6px;padding-top:22px;border-top:1px solid var(--border)}
  .doc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
  .doc-grid .form-group{background:var(--bg);padding:14px;border-radius:var(--radius-sm);border:1px dashed var(--border)}
  .narrow{max-width:820px;margin:0 auto}
  .alert{padding:16px 18px;border-radius:var(--radius-sm);margin-bottom:22px}
  .alert-ok{background:#E3F4EA;color:#14532D}.alert-bad{background:#FBE7E4;color:#8A1C1C}
  .pill{display:inline-block;background:var(--gold-500);color:var(--navy-900);padding:3px 12px;border-radius:99px;font-weight:700;font-size:.85rem}
  .pill.p-Accepted,.pill.p-Approved,.pill.p-Disbursed{background:#BFE8CF}.pill.p-Rejected{background:#F6C5BE}
  .track-card{margin-bottom:24px}
  .track-card .latest{background:var(--bg);border-left:4px solid var(--gold-500);padding:14px 16px;border-radius:var(--radius-sm);margin:14px 0}
  .track-docs li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--border);font-size:.93rem}
  .inline-form{display:flex;gap:12px}.inline-form input{flex:1;padding:13px 14px;border:1px solid var(--border);border-radius:var(--radius-sm);font:inherit}
  .req-list{display:grid;grid-template-columns:repeat(2,1fr);gap:10px 28px}
  .req-list li{display:flex;gap:10px;align-items:flex-start;color:var(--text)}.req-list i{color:var(--gold-600);margin-top:5px}
  /* news */
  .news-card{display:flex;flex-direction:column;gap:8px}.news-card small{color:var(--gold-600);font-weight:700}
  .stat-card{text-align:center}.stat-card .num{font:700 2.4rem var(--font-head);color:var(--navy-900)}
  /* Gemini chat (left) */
  .fab-gemini{background:var(--navy-700);color:#fff}
  .fab-wrap.left{position:fixed;left:20px;bottom:20px}
  .gemini-modal{position:fixed;left:20px;bottom:92px;width:min(380px,calc(100vw - 40px));height:480px;background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-card-hover);z-index:1300;display:flex;flex-direction:column;overflow:hidden}
  .gemini-modal[hidden]{display:none}
  .gemini-head{background:var(--navy-900);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;font-family:var(--font-head);font-weight:600}
  .gemini-head button{color:#fff;font-size:1.2rem}
  .gemini-body{flex:1;overflow:auto;padding:14px;display:flex;flex-direction:column;gap:10px;background:var(--bg)}
  .gm{max-width:85%;padding:10px 14px;border-radius:12px;white-space:pre-wrap;font-size:.93rem;color:var(--text)}
  .gm.bot{background:#fff;border:1px solid var(--border)}.gm.me{background:var(--gold-500);align-self:flex-end;color:var(--navy-900)}
  .gemini-form{display:flex;border-top:1px solid var(--border)}.gemini-form input{flex:1;border:0;padding:14px;font:inherit}.gemini-form button{background:var(--navy-900);color:#fff;padding:0 18px}
  /* admin */
  .adm-body{background:var(--bg);padding:30px 0}.adm-bar{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
  .adm-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius-md);overflow:hidden}.adm-table th,.adm-table td{padding:12px;border-bottom:1px solid var(--border);text-align:left;font-size:.92rem}.adm-table th{background:var(--navy-900);color:#fff}
  .adm-doc{display:grid;grid-template-columns:1.3fr .7fr 1.5fr;gap:10px;align-items:center;margin-bottom:10px}
  .adm-body select,.adm-body input,.adm-body textarea{padding:10px;border:1px solid var(--border);border-radius:var(--radius-sm);font:inherit;width:100%}
  .scroll-x{overflow:auto}.adm-login{max-width:380px;margin:12vh auto}
  @media(max-width:900px){.doc-grid,.req-list{grid-template-columns:1fr}.inline-form{flex-direction:column}.adm-doc{grid-template-columns:1fr}}
  @media(max-width:560px){.fab-wrap.left{left:12px}.gemini-modal{left:12px}}