/* UGANOVA shared site styles */
:root {
    --ink: #17212b;
    --muted: #647180;
    --line: #e3e8ee;
    --surface: #f6f8fa;
    --blue: #004d9e;
    --blue-dark: #001d43;
    --white: #fff;
    --max: 1160px;
    --radius: 12px
}

* {
    box-sizing: border-box
}

html {
    scroll-behavior: smooth
}

body {
    margin: 0;
    background: #fff;
    color: var(--ink);
    font: 16px/1.65 Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif
}

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

button,
input,
textarea,
select {
    font: inherit
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible,
select:focus-visible {
    outline: 3px solid #9ab6ff;
    outline-offset: 3px
}

.container {
    width: min(var(--max), calc(100% - 44px));
    margin: auto
}

.header {
    position: sticky;
    top: 0;
    z-index: 30;
    background: rgba(255, 255, 255, .96);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line)
}

.nav {
    height: 78px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 28px
}

.brand {
    display: flex;
    align-items: center;
    gap: 11px;
    font-size: 1.1rem;
    font-weight: 850;
    letter-spacing: .1em;
    white-space: nowrap
}

.brand-mark {
    display: grid;
    place-items: center;
    width: 35px;
    height: 35px;
    border-radius: 9px;
    background: var(--blue);
    color: white;
    font-size: 1rem;
    letter-spacing: -.05em
}

.navlinks {
    display: flex;
    align-items: center;
    gap: 25px;
    color: #475467;
    font-size: .91rem;
    font-weight: 600
}

.navlinks a:hover,
.navlinks a[aria-current=page] {
    color: var(--blue)
}

.navright {
    display: flex;
    align-items: center;
    gap: 10px
}

.menu {
    display: none;
    border: 1px solid var(--line);
    background: #fff;
    border-radius: 8px;
    padding: 8px 11px;
    cursor: pointer
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    border: 1px solid var(--blue);
    border-radius: 8px;
    padding: 12px 17px;
    font-weight: 700;
    font-size: .92rem;
    cursor: pointer;
    transition: background .15s, border-color .15s
}

.btn.primary {
    background: var(--blue);
    color: white
}

.btn.primary:hover {
    background: var(--blue-dark)
}

.btn.secondary {
    background: #fff;
    color: var(--ink);
    border-color: #cfd6df
}

.btn.secondary:hover {
    background: var(--surface)
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: var(--blue);
    font-size: .76rem;
    font-weight: 800;
    letter-spacing: .11em;
    text-transform: uppercase
}

.eyebrow:before {
    content: "";
    width: 18px;
    height: 2px;
    background: var(--blue)
}

h1,
h2,
h3 {
    line-height: 1.15;
    letter-spacing: -.04em;
    margin: 0 0 16px
}

h1 {
    font-size: clamp(2.5rem, 5.5vw, 4.6rem);
    font-weight: 750;
    max-width: 820px
}

h2 {
    font-size: clamp(1.9rem, 3.6vw, 2.8rem);
    font-weight: 720
}

h3 {
    font-size: 1.2rem;
    font-weight: 720;
    letter-spacing: -.025em
}

p {
    margin: 0 0 16px;
    color: var(--muted)
}

.lead {
    font-size: 1.12rem;
    max-width: 700px
}

.hero {
    padding: 82px 0 74px
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.12fr .88fr;
    gap: 60px;
    align-items: center
}

.hero .eyebrow {
    margin-bottom: 22px
}

.hero h1 {
    margin-bottom: 24px
}

.hero h1 span {
    color: var(--blue)
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 27px 0 22px
}

.trust-note {
    font-size: .84rem;
    color: var(--muted)
}

.hero-visual {
    border: 1px solid var(--line);
    border-radius: 16px;
    background: #fbfcfe;
    padding: 28px;
    min-height: 365px;
    display: flex;
    align-items: center;
    justify-content: center
}

.dashboard {
    width: 100%;
    border: 1px solid #e4e9f0;
    border-radius: 12px;
    background: #fff;
    padding: 22px;
    box-shadow: 0 16px 50px rgba(25, 43, 70, .06)
}

.dash-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid var(--line);
    padding-bottom: 18px;
    margin-bottom: 22px;
    font-size: .85rem;
    font-weight: 700
}

.status {
    font-size: .72rem;
    background: #eef4ff;
    color: var(--blue);
    border-radius: 5px;
    padding: 5px 8px
}

.dash-label {
    font-size: .8rem;
    color: var(--muted)
}

.dash-value {
    font-size: 1.8rem;
    font-weight: 780;
    letter-spacing: -.04em;
    margin: 5px 0 18px
}

.dash-bars {
    display: flex;
    gap: 8px;
    align-items: end;
    height: 75px;
    border-bottom: 1px solid var(--line);
    padding-bottom: 10px
}

.dash-bars i {
    display: block;
    flex: 1;
    background: #cbd8ff;
    border-radius: 4px 4px 0 0
}

.dash-bars i:nth-child(1) {
    height: 34%
}

.dash-bars i:nth-child(2) {
    height: 56%
}

.dash-bars i:nth-child(3) {
    height: 45%
}

.dash-bars i:nth-child(4) {
    height: 78%
}

.dash-bars i:nth-child(5) {
    height: 62%
}

.dash-bars i:nth-child(6) {
    height: 90%;
    background: var(--blue)
}

.dash-foot {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    margin-top: 16px;
    font-size: .78rem;
    color: var(--muted)
}

.section {
    padding: 78px 0
}

.section.soft {
    background: var(--surface);
    border-block: 1px solid #edf0f4
}


.section-head p {
    font-size: 1.04rem
}

.grid3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.grid2 {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px
}

.card {
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 25px;
    background: #fff
}

.card p {
    font-size: .94rem
}

.card .link {
    display: inline-flex;
    gap: 8px;
    align-items: center;
    color: var(--blue);
    font-weight: 750;
    font-size: .92rem;
    margin-top: 8px
}

.card-icon {
    display: grid;
    place-items: center;
    width: 42px;
    height: 42px;
    border: 1px solid #dce5ff;
    background: #f2f5ff;
    color: var(--blue);
    border-radius: 10px;
    margin-bottom: 22px;
    font-weight: 800
}

.mini-label {
    color: var(--blue);
    font-size: .76rem;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 10px
}

.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px
}

.step {
    border-top: 2px solid #cfd9e7;
    padding-top: 17px
}

.step-number {
    font-size: .8rem;
    color: var(--blue);
    font-weight: 800;
    margin-bottom: 18px
}

.step p {
    font-size: .93rem
}

.cta-band {
    padding: 35px;
    border: 1px solid var(--line);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px
}

.cta-band h2 {
    font-size: 1.8rem;
    margin-bottom: 8px
}

.cta-band p {
    margin: 0
}

.page-hero {
    padding: 66px 0 54px;
    border-bottom: 1px solid var(--line)
}

.page-hero h1 {
    font-size: clamp(2.4rem, 4.7vw, 3.7rem);
    margin: 14px 0 18px
}

.page-body {
    padding: 55px 0 80px
}

.content {
    max-width: 820px
}

.content h2 {
    font-size: 1.75rem;
    margin-top: 36px
}

.content h3 {
    margin-top: 25px
}

.content ul,
.content ol {
    color: var(--muted);
    padding-left: 23px
}

.content li {
    margin: 8px 0
}

.notice {
    border: 1px solid var(--line);
    background: var(--surface);
    border-radius: 10px;
    padding: 17px 19px;
    margin: 22px 0;
    color: #445164;
    font-size: .91rem
}

.faq-list {
    border-top: 1px solid var(--line)
}

.faq-item {
    border-bottom: 1px solid var(--line)
}

.faq-q {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    width: 100%;
    border: 0;
    background: none;
    text-align: left;
    padding: 20px 0;
    font-weight: 700;
    color: var(--ink);
    cursor: pointer
}

.faq-a {
    display: none;
    padding: 0 25px 20px 0
}

.faq-a p {
    margin: 0
}

.faq-item.open .faq-a {
    display: block
}

.contact-grid {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 35px;
    align-items: start
}

.contact-info {
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 25px
}

.contact-row {
    padding: 15px 0;
    border-bottom: 1px solid var(--line)
}

.contact-row:last-child {
    border: 0
}

.contact-row strong {
    display: block
}

.contact-row span {
    font-size: .91rem;
    color: var(--muted)
}

.form {
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 27px
}

.field {
    display: grid;
    gap: 7px;
    margin-bottom: 17px
}

.field label {
    font-weight: 700;
    font-size: .88rem
}

.field input,
.field select,
.field textarea {
    width: 100%;
    border: 1px solid #cfd6df;
    border-radius: 8px;
    padding: 12px;
    background: #fff;
    color: var(--ink)
}

.field textarea {
    min-height: 130px;
    resize: vertical
}

.field small {
    font-size: .78rem;
    color: var(--muted)
}

.footer {
    border-top: 1px solid var(--line);
    padding: 44px 0 25px;
    background: #fff
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr repeat(3, 1fr);
    gap: 35px;
    padding-bottom: 32px
}

.footer .brand {
    margin-bottom: 15px
}

.footer p {
    font-size: .88rem;
    max-width: 290px
}

.footer h4 {
    font-size: .8rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    margin: 5px 0 14px
}

.footer-links {
    display: grid;
    gap: 9px;
    font-size: .88rem;
    color: var(--muted)
}

.footer-links a:hover {
    color: var(--blue)
}

.footer-bottom {
    border-top: 1px solid var(--line);
    padding-top: 19px;
    display: flex;
    justify-content: space-between;
    gap: 18px;
    font-size: .8rem;
    color: var(--muted)
}

.footer-bottom a {
    margin-left: 14px
}

.mobile-only {
    display: none
}

.form-status {
    display: none;
    margin-top: 12px;
    color: var(--blue);
    font-size: .9rem
}

.form-status.show {
    display: block
}

.legal-copy {
    max-width: 850px
}

.legal-copy h2 {
    font-size: 1.5rem;
    margin-top: 30px
}

.legal-copy h3 {
    margin-top: 22px
}

@media(max-width:980px) {
    .navlinks {
        gap: 14px;
        font-size: .84rem
    }

    .navright .btn {
        display: none
    }

    .hero-grid {
        gap: 30px
    }

    .grid3 {
        grid-template-columns: repeat(2, 1fr)
    }

    .steps {
        grid-template-columns: repeat(2, 1fr)
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media(max-width:740px) {
    .container {
        width: calc(100% - 34px)
    }

    .nav {
        height: 68px
    }

    .menu {
        display: block
    }

    .navlinks {
        display: none;
        position: absolute;
        left: 0;
        right: 0;
        top: 68px;
        background: #fff;
        padding: 12px 22px 20px;
        border-bottom: 1px solid var(--line);
        box-shadow: 0 15px 22px rgba(20, 32, 52, .06);
        flex-direction: column;
        align-items: stretch;
        gap: 0
    }

    .navlinks.open {
        display: flex
    }

    .navlinks a {
        padding: 12px 0;
        border-bottom: 1px solid var(--line)
    }

    .navlinks a:last-child {
        border: 0
    }

    .hero {
        padding: 55px 0
    }

    .hero-grid,
    .contact-grid {
        grid-template-columns: 1fr
    }

    .hero-visual {
        min-height: 280px;
        padding: 18px
    }

    .section {
        padding: 58px 0
    }

    .grid3,
    .grid2,
    .steps {
        grid-template-columns: 1fr
    }

    .page-hero {
        padding: 48px 0 38px
    }

    .page-body {
        padding: 40px 0 60px
    }

    .cta-band {
        align-items: flex-start;
        flex-direction: column;
        padding: 25px
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 28px 20px
    }

    .footer-grid>div:first-child {
        grid-column: 1/-1
    }

    .footer-bottom {
        flex-direction: column
    }

    .footer-bottom a {
        margin: 0 14px 0 0
    }

    .form,
    .contact-info {
        padding: 20px
    }
}

@media(max-width:420px) {
    .footer-grid {
        grid-template-columns: 1fr
    }

    .footer-grid>div:first-child {
        grid-column: auto
    }

    .hero-actions .btn {
        width: 100%
    }
}

@media(prefers-reduced-motion:reduce) {
    html {
        scroll-behavior: auto
    }

    * {
        transition: none !important
    }
}

/* Photography */
.hero-photo-wrap {
    position: relative;
    min-width: 0
}

.hero-photo {
    display: block;
    width: 100%;
    height: 430px;
    object-fit: cover;
    object-position: center;
    border: 1px solid var(--line);
    border-radius: 16px
}

.photo-note {
    position: absolute;
    left: -18px;
    bottom: 22px;
    max-width: 245px;
    padding: 16px 18px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 11px;
    box-shadow: 0 12px 35px rgba(25, 43, 70, .09)
}

.photo-note strong {
    display: block;
    font-size: .95rem;
    line-height: 1.35;
    margin-bottom: 4px
}

.photo-note span {
    font-size: .82rem;
    color: var(--muted)
}

.story-image {
    display: block;
    width: 100%;
    height: 360px;
    object-fit: cover;
    border-radius: 14px;
    border: 1px solid var(--line)
}

.story-grid {
    display: grid;
    grid-template-columns: 1fr .92fr;
    gap: 42px;
    align-items: center
}

.loan-photo {
    display: block;
    width: calc(100% + 50px);
    max-width: none;
    height: 190px;
    object-fit: cover;
    margin: -25px -25px 24px;
    border-radius: 12px 12px 0 0
}

.image-strip {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 22px;
    align-items: center
}

.image-strip img {
    width: 100%;
    height: 280px;
    object-fit: cover;
    border-radius: 13px;
    border: 1px solid var(--line)
}

@media(max-width:740px) {
    .hero-photo {
        height: 300px
    }

    .photo-note {
        left: 12px;
        bottom: 12px
    }

    .story-grid,
    .image-strip {
        grid-template-columns: 1fr
    }

    .story-image {
        height: 280px
    }

    .loan-photo {
        height: 170px
    }

    .image-strip img {
        height: 240px
    }
}


/* Refined interior pages — consistent with the home page */
.page-hero {
    position: relative;
    isolation: isolate;
    overflow: hidden;
    background: linear-gradient(110deg, #fff 0%, #fff 58%, #f7f9ff 100%)
}

.page-hero:after {
    content: "";
    position: absolute;
    z-index: -1;
    right: max(3vw, calc((100vw - var(--max))/2 - 28px));
    top: 50%;
    transform: translateY(-50%);
    width: 245px;
    height: 245px;
    border-radius: 50%;
    border: 1px solid #dce5ff;
    background: radial-gradient(circle at 50% 50%, rgba(36, 87, 214, .12) 0 18%, transparent 19% 33%, rgba(36, 87, 214, .06) 34% 49%, transparent 50%);
    box-shadow: 0 0 0 24px rgba(36, 87, 214, .025), 0 0 0 48px rgba(36, 87, 214, .02)
}

.page-hero .container {
    position: relative
}

.page-hero h1 {
    max-width: 760px;
    text-wrap: balance
}

.page-hero .lead {
    max-width: 660px
}

.page-body .content:not(.legal-copy) {
    line-height: 1.75
}

.page-body .content:not(.legal-copy)>h2 {
    font-size: clamp(1.35rem, 2.5vw, 1.7rem);
    margin: 35px 0 12px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--line);
    letter-spacing: -.035em
}

.page-body .content:not(.legal-copy)>h2:first-child {
    margin-top: 0
}

.page-body .content:not(.legal-copy)>h3 {
    font-size: 1.05rem;
    margin-top: 24px;
    color: #26374d
}

.page-body .content:not(.legal-copy)>p {
    max-width: 760px
}

.page-body .content:not(.legal-copy) .notice {
    border-left: 3px solid var(--blue);
    background: linear-gradient(110deg, #f5f8ff, #fafbfd);
    padding: 20px 22px;
    border-radius: 0 11px 11px 0
}

.page-about .story-grid {
    gap: clamp(28px, 5vw, 64px)
}

.page-about .story-image {
    height: 500px;
    box-shadow: 0 22px 55px rgba(25, 43, 70, .09);
    position: sticky;
    top: 115px
}

.page-about .story-grid .content>h2:not(:first-child) {
    margin-top: 34px
}

.page-loans .grid2 {
    gap: 24px;
    align-items: stretch
}

.page-loans .card {
    overflow: hidden;
    padding: 25px;
    box-shadow: 0 8px 28px rgba(25, 43, 70, .035);
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease
}

.page-loans .card:hover {
    transform: translateY(-4px);
    box-shadow: 0 18px 42px rgba(25, 43, 70, .09);
    border-color: #cbd8ff
}

.page-loans .loan-photo {
    height: 220px
}

.page-loans .card h2 {
    margin-top: 4px
}

.page-loans .card h3 {
    margin: 23px 0 9px;
    font-size: 1rem
}

.page-loans .card ul {
    padding-left: 20px;
    color: var(--muted)
}

.page-loans .card li {
    padding-left: 3px;
    margin: 9px 0
}

.page-loans .content[style] {
    max-width: 850px;
    padding: 8px 0 0
}

.page-process .page-body .content {
    max-width: 900px
}

.page-process .page-body .content>h2 {
    position: relative;
    display: flex;
    align-items: center;
    gap: 15px;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: #fff;
    padding: 18px 20px;
    margin: 22px 0 10px;
    box-shadow: 0 5px 18px rgba(25, 43, 70, .025)
}

.page-process .page-body .content>h2:before {
    content: "✓";
    display: grid;
    place-items: center;
    flex: 0 0 36px;
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: #eef3ff;
    color: var(--blue);
    font-size: 1rem;
    letter-spacing: 0
}

.page-process .page-body .content>h2+p {
    padding: 0 22px 4px 71px;
    max-width: 780px
}

.page-responsible .page-body .content {
    max-width: 900px
}

.page-responsible .page-body .content>h2 {
    border: 1px solid var(--line);
    border-radius: 10px;
    padding: 15px 18px 15px 52px;
    position: relative;
    background: linear-gradient(90deg, #f7f9ff, #fff 65%);
    margin-top: 20px
}

.page-responsible .page-body .content>h2:before {
    content: "✓";
    position: absolute;
    left: 18px;
    top: 14px;
    color: var(--blue);
    font-weight: 800
}

.page-faqs .page-body .content {
    max-width: 900px
}

.page-faqs .faq-list {
    border: 1px solid var(--line);
    border-radius: 14px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 8px 28px rgba(25, 43, 70, .035)
}

.page-faqs .faq-item {
    padding: 0 22px
}

.page-faqs .faq-q {
    padding: 20px 0;
    font-size: 1rem;
    line-height: 1.45
}

.page-faqs .faq-q span {
    display: grid;
    place-items: center;
    flex: 0 0 30px;
    width: 30px;
    height: 30px;
    border: 1px solid #dce5ff;
    border-radius: 50%;
    color: var(--blue);
    font-size: 1.2rem;
    transition: transform .2s, background .2s
}

.page-faqs .faq-item.open {
    background: #f9fbff
}

.page-faqs .faq-item.open .faq-q span {
    background: #eaf0ff;
    transform: rotate(45deg)
}

.page-faqs .faq-a {
    padding: 0 45px 20px 0;
    max-width: 780px
}

.page-contact .contact-grid {
    gap: clamp(24px, 4vw, 48px)
}

.page-contact .contact-grid>div>h2 {
    font-size: 1.8rem
}

.page-contact .contact-info,
.page-contact .form {
    border-radius: 14px;
    box-shadow: 0 12px 36px rgba(25, 43, 70, .045)
}

.page-contact .contact-info {
    background: linear-gradient(145deg, #fff, #f8faff)
}

.page-contact .contact-row {
    padding: 17px 0
}

.page-contact .contact-row strong {
    margin-bottom: 4px
}

.page-contact .form h2 {
    letter-spacing: -.04em
}

.page-contact .form .btn {
    min-height: 48px
}

.page-legal .page-hero {
    background: linear-gradient(110deg, #fff 0%, #fff 65%, #f7f9ff 100%)
}

.page-legal .legal-copy {
    max-width: 900px;
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: clamp(22px, 4vw, 42px);
    box-shadow: 0 10px 35px rgba(25, 43, 70, .035)
}

.page-legal .legal-copy>p:first-child {
    padding: 12px 15px;
    background: #f6f8fc;
    border-radius: 8px;
    font-size: .9rem
}

.page-legal .legal-copy h2 {
    padding-top: 10px;
    border-top: 1px solid #edf0f4;
    font-size: 1.35rem
}

@media(max-width:740px) {
    .page-hero:after {
        right: -90px;
        top: auto;
        bottom: -120px;
        width: 210px;
        height: 210px;
        transform: none
    }

    .page-hero {
        background: linear-gradient(150deg, #fff 0%, #fff 70%, #f7f9ff 100%)
    }

    .page-about .story-image {
        position: static;
        height: 290px;
        grid-row: 1
    }

    .page-loans .loan-photo {
        height: 185px
    }

    .page-process .page-body .content>h2 {
        padding: 15px;
        font-size: 1.12rem
    }

    .page-process .page-body .content>h2+p {
        padding: 0 12px 8px 12px
    }

    .page-faqs .faq-item {
        padding: 0 15px
    }

    .page-faqs .faq-a {
        padding-right: 5px
    }

    .page-legal .legal-copy {
        padding: 22px 18px
    }
}

@media(prefers-reduced-motion:reduce) {

    .page-loans .card,
    .page-faqs .faq-q span {
        transition: none
    }
}

/* Refined site header and mobile slide-out navigation */
.header {
    background: rgba(255, 255, 255, .94);
    box-shadow: 0 5px 22px rgba(23, 33, 43, .045);
    border-bottom: 1px solid rgba(219, 226, 235, .9)
}

.header .nav {
    height: 82px;
    gap: 30px
}

.brand {
    gap: 12px;
    font-size: 1.04rem;
    letter-spacing: .13em;
    color: #172b49
}

.brand-mark {
    width: 39px;
    height: 39px;
    border-radius: 11px;
    background: linear-gradient(145deg, #2f66e8, #1946b3);
    box-shadow: 0 5px 12px rgba(36, 87, 214, .2);
    font-size: 1.02rem
}

.navlinks {
    align-self: stretch;
    gap: clamp(12px, 1.7vw, 25px);
    font-size: .88rem;
    color: #46556a
}

.navlinks a {
    position: relative;
    display: flex;
    align-items: center;
    white-space: nowrap;
    transition: color .18s ease
}

.navlinks a::after {
    position: absolute;
    content: "";
    height: 2px;
    left: 0;
    right: 100%;
    bottom: 20px;
    background: var(--blue);
    border-radius: 2px;
    transition: right .18s ease
}

.navlinks a:hover::after,
.navlinks a[aria-current="page"]::after {
    right: 0
}

.navlinks a[aria-current="page"] {
    color: var(--blue)
}

.navright .btn {
    padding: 11px 15px;
    border-radius: 9px;
    box-shadow: 0 5px 14px rgba(36, 87, 214, .13)
}

.menu {
    position: relative;
    z-index: 52;
    width: 44px;
    height: 44px;
    display: none;
    align-items: center;
    justify-content: center;
    border: 1px solid #d9e2ef;
    border-radius: 11px;
    background: #fff;
    box-shadow: 0 3px 10px rgba(23, 33, 43, .04);
    padding: 0;
    color: var(--ink)
}

.menu-icon,
.menu-icon::before,
.menu-icon::after {
    display: block;
    width: 19px;
    height: 2px;
    border-radius: 2px;
    background: #1f3556;
    transition: transform .2s ease, top .2s ease, opacity .2s ease
}

.menu-icon {
    position: relative
}

.menu-icon::before,
.menu-icon::after {
    position: absolute;
    content: "";
    left: 0
}

.menu-icon::before {
    top: -6px
}

.menu-icon::after {
    top: 6px
}

.menu[aria-expanded="true"] .menu-icon {
    background: transparent
}

.menu[aria-expanded="true"] .menu-icon::before {
    top: 0;
    transform: rotate(45deg)
}

.menu[aria-expanded="true"] .menu-icon::after {
    top: 0;
    transform: rotate(-45deg)
}

.nav-backdrop {
    position: fixed;
    inset: 0;
    z-index: 39;
    background: rgba(15, 28, 48, .42);
    backdrop-filter: blur(2px);
    opacity: 0;
    visibility: hidden;
    transition: opacity .22s ease, visibility .22s ease
}

.nav-backdrop.open {
    opacity: 1;
    visibility: visible
}

@media(max-width:980px) {
    .header .nav {
        gap: 18px
    }

    .navlinks {
        gap: 13px;
        font-size: .81rem
    }

    .navright .btn {
        padding: 10px 12px;
        font-size: .84rem
    }
}

@media(max-width:740px) {
    .header .nav {
        height: 70px;
        gap: 12px
    }

    .brand {
        font-size: 1rem;
        letter-spacing: .1em
    }

    .brand-mark {
        width: 37px;
        height: 37px
    }

    .menu {
        display: flex
    }

    .navright {
        margin-left: auto
    }

    .navright .btn {
        display: none
    }

    .navlinks {
        display: flex;
        position: fixed;
        z-index: 50;
        top: 0;
        right: 0;
        left: auto;
        width: min(86vw, 360px);
        height: 100vh;
        height: 100dvh;
        padding: 94px 24px 28px;
        background: #fff;
        border: 0;
        border-left: 1px solid #e4eaf2;
        box-shadow: -18px 0 45px rgba(16, 34, 59, .14);
        flex-direction: column;
        align-items: stretch;
        gap: 3px;
        overflow-y: auto;
        transform: translateX(105%);
        visibility: hidden;
        transition: transform .24s ease, visibility .24s ease
    }

    .navlinks.open {
        display: flex;
        transform: translateX(0);
        visibility: visible
    }

    .navlinks::before {
        content: "Explore UGANOVA";
        position: absolute;
        top: 29px;
        left: 24px;
        color: #718096;
        font-size: .72rem;
        font-weight: 800;
        letter-spacing: .13em;
        text-transform: uppercase
    }

    .navlinks a {
        display: flex;
        align-items: center;
        min-height: 51px;
        padding: 13px 12px;
        border: 0;
        border-radius: 9px;
        font-size: .98rem;
        font-weight: 650;
        color: #34445c
    }

    .navlinks a::after {
        display: none
    }

    .navlinks a:hover,
    .navlinks a[aria-current="page"] {
        background: #f0f5ff;
        color: var(--blue)
    }

    .navlinks a:last-child {
        border: 0
    }

    body.drawer-open {
        overflow: hidden
    }
}

@media(prefers-reduced-motion:reduce) {

    .navlinks,
    .nav-backdrop,
    .menu-icon,
    .menu-icon::before,
    .menu-icon::after {
        transition: none
    }
}

/* UGANOVA visual refresh: polished, calm, finance-first */
:root {
    --ink: #14243a;
    --muted: #617086;
    --line: #e2e8f0;
    --surface: #f7f9fc;
    --blue: #2057c7;
    --blue-dark: #1745a5;
    --max: 1180px;
    --radius: 14px
}

body {
    color: var(--ink);
    font-size: 16px;
    line-height: 1.7;
    -webkit-font-smoothing: antialiased
}

.container {
    width: min(var(--max), calc(100% - 48px))
}

.header {
    background: #fff;
    backdrop-filter: none;
    box-shadow: 0 3px 16px rgba(17, 38, 68, .045)
}

.topline {
    height: 4px;
    background: linear-gradient(90deg, #173f91, #2f6ce0 55%, #86a9f4)
}

.brand {
    letter-spacing: .12em;
    color: #142b4c
}

.brand-mark {
    background: linear-gradient(145deg, #2e6ce5, #17449e);
    border-radius: 12px
}

.btn {
    min-height: 47px;
    border-radius: 9px;
    padding: 12px 19px;
    transition: transform .18s ease, background .18s ease, box-shadow .18s ease
}

.btn:hover {
    transform: translateY(-1px)
}

.btn.primary {
    box-shadow: 0 6px 16px rgba(32, 87, 199, .17)
}

.btn.primary:hover {
    box-shadow: 0 9px 22px rgba(32, 87, 199, .22)
}

.btn.secondary {
    border-color: #d4dce8;
    background: #fff
}

.eyebrow {
    font-size: .73rem;
    letter-spacing: .14em
}

h1,
h2,
h3 {
    color: #152740;
    letter-spacing: -.045em;
    text-wrap: balance
}

h1 {
    font-weight: 760;
    line-height: 1.04
}

h2 {
    font-weight: 730;
    line-height: 1.12
}

p {
    line-height: 1.75
}

.hero {
    padding: 78px 0 82px
}

.hero-grid {
    grid-template-columns: 1.03fr .97fr;
    gap: clamp(34px, 5vw, 72px)
}

.hero h1 {
    max-width: 660px;
    font-size: clamp(2.8rem, 5.2vw, 4.65rem)
}

.hero .lead {
    font-size: 1.08rem;
    max-width: 590px
}

.hero-photo {
    height: 460px;
    border-radius: 20px;
    border: 0;
    box-shadow: 0 22px 60px rgba(21, 43, 75, .13);
    object-position: center
}

.photo-note {
    left: -26px;
    bottom: 24px;
    border: 1px solid #e3e9f2;
    border-radius: 13px;
    box-shadow: 0 16px 38px rgba(21, 43, 75, .12);
    padding: 18px 20px
}

.section {
    padding: 84px 0
}

.section.soft {
    background: #f7f9fc;
    border-block-color: #edf1f6
}

.section-head p {
    max-width: 680px
}

.card {
    border-color: #e2e8f0;
    border-radius: 15px;
    padding: 28px;
    box-shadow: 0 4px 18px rgba(19, 42, 75, .025);
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease
}

.card:hover {
    transform: translateY(-3px);
    border-color: #cbd8ee;
    box-shadow: 0 15px 36px rgba(19, 42, 75, .075)
}

.card-icon {
    width: 48px;
    height: 48px;
    border-radius: 13px;
    background: #edf3ff;
    border-color: #dce7ff;
    color: #1e55bd;
    font-size: 1rem;
    box-shadow: inset 0 1px #fff
}

.mini-label {
    letter-spacing: .11em;
    font-size: .7rem
}

.steps {
    gap: 26px
}

.step {
    border-top: 2px solid #d4deed;
    padding-top: 20px
}

.step-number {
    letter-spacing: .12em;
    font-size: .72rem
}

.cta-band {
    border-radius: 18px;
    padding: clamp(26px, 4vw, 42px);
    background: linear-gradient(120deg, #f7faff, #fff 70%);
    border-color: #dce5f2
}

.cta-band h2 {
    font-size: clamp(1.6rem, 3vw, 2rem)
}

.page-hero {
    padding: 72px 0 58px
}

.page-body {
    padding: 62px 0 88px
}

.page-hero:after {
    opacity: .72
}

.story-image {
    border-radius: 18px;
    box-shadow: 0 18px 50px rgba(21, 43, 75, .1)
}

.loan-photo {
    object-fit: cover;
    border-radius: 12px
}

.contact-info,
.form {
    border-radius: 16px !important
}

.field input,
.field select,
.field textarea {
    border-color: #d5deea;
    border-radius: 9px;
    min-height: 48px;
    transition: border-color .15s, box-shadow .15s
}

.field input:focus,
.field select:focus,
.field textarea:focus {
    border-color: #6c94e8;
    box-shadow: 0 0 0 4px rgba(32, 87, 199, .09);
    outline: 0
}

.footer {
    padding: 52px 0 27px;
    background: #fbfcfe;
    border-top-color: #e4eaf2
}

.footer .brand-mark {
    box-shadow: none
}

.footer h4 {
    color: #263b59;
    letter-spacing: .1em
}

.footer-links a {
    transition: color .15s
}

.nav-backdrop {
    background: rgba(15, 28, 48, .32);
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    cursor: pointer
}

@media(max-width:980px) {
    .hero-grid {
        gap: 30px
    }

    .hero-photo {
        height: 390px
    }

    .photo-note {
        left: -12px
    }

    .section {
        padding: 68px 0
    }
}

@media(max-width:740px) {
    .container {
        width: calc(100% - 36px)
    }

    .hero {
        padding: 48px 0 58px
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 34px
    }

    .hero h1 {
        font-size: clamp(2.55rem, 10vw, 3.5rem)
    }

    .hero-photo {
        height: 340px;
        border-radius: 16px
    }

    .photo-note {
        left: 12px;
        bottom: 14px;
        max-width: 245px
    }

    .section {
        padding: 58px 0
    }

    .card {
        padding: 23px
    }

    .page-hero {
        padding: 48px 0 42px
    }

    .page-body {
        padding: 42px 0 64px
    }

    .nav-backdrop {
        background: rgba(15, 28, 48, .24)
    }

    .navlinks {
        box-shadow: -12px 0 32px rgba(16, 34, 59, .12)
    }
}

@media(max-width:420px) {
    .hero-photo {
        height: 290px
    }

    .hero-actions {
        gap: 10px
    }

    .section-head {
        margin-bottom: 30px
    }
}

/* UGANOVA page system — align every interior page with the homepage art direction */
.page-hero {
    position: relative;
    overflow: hidden;
    background: linear-gradient(115deg, #f7faff 0%, #fff 53%, #f1f6ff 100%);
    border-bottom: 1px solid #e8eef7;
    padding: 58px 0 60px
}

.page-hero:before {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border: 1px solid rgba(32, 87, 199, .09);
    border-radius: 50%;
    right: 26%;
    top: -230px;
    pointer-events: none
}

.page-hero:after {
    content: "";
    position: absolute;
    width: 240px;
    height: 240px;
    border: 1px solid rgba(32, 87, 199, .10);
    border-radius: 50%;
    right: 18%;
    bottom: -200px;
    pointer-events: none
}

.page-hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(300px, .78fr);
    gap: clamp(30px, 5vw, 76px);
    align-items: center
}

.page-hero-grid>.eyebrow,
.page-hero-grid>h1,
.page-hero-grid>.lead {
    grid-column: 1
}

.page-hero-grid h1 {
    max-width: 680px;
    font-size: clamp(2.55rem, 4.4vw, 4.1rem);
    line-height: 1.06;
    margin: 15px 0 20px;
    letter-spacing: -.055em
}

.page-hero-grid .lead {
    max-width: 610px;
    font-size: 1.08rem;
    color: #5b6b81;
    margin: 0
}

.page-hero-visual {
    grid-column: 2;
    grid-row: 1 / span 3;
    position: relative;
    min-width: 0;
    padding: 0 0 20px 20px
}

.page-hero-visual:before {
    content: "";
    position: absolute;
    inset: 20px 0 0 0;
    border-radius: 22px;
    background: #e8effc;
    transform: rotate(3deg)
}

.page-hero-visual>img {
    position: relative;
    display: block;
    width: 100%;
    height: 310px;
    object-fit: cover;
    object-position: center;
    border-radius: 20px;
    box-shadow: 0 22px 48px rgba(24, 47, 83, .15);
    border: 4px solid #fff
}

.hero-visual-note {
    position: absolute;
    left: 0;
    bottom: 0;
    display: flex;
    align-items: center;
    gap: 13px;
    padding: 15px 18px;
    background: #fff;
    border: 1px solid #e1e8f2;
    border-radius: 13px;
    box-shadow: 0 12px 28px rgba(21, 43, 75, .12);
    max-width: 290px
}

.visual-icon,
.heading-icon,
.contact-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 auto;
    background: #eaf1ff;
    color: #2057c7;
    border: 1px solid #dce7ff;
    border-radius: 11px;
    font-weight: 800
}

.visual-icon {
    width: 42px;
    height: 42px;
    font-size: 1.1rem
}

.hero-visual-note strong,
.hero-visual-note span {
    display: block
}

.hero-visual-note strong {
    font-size: .9rem;
    color: #182c49
}

.hero-visual-note div>span {
    font-size: .76rem;
    line-height: 1.4;
    color: #6c7b90;
    margin-top: 2px
}

.page-body {
    padding: 58px 0 88px;
    background: #fff
}

.page-content-wrap {
    max-width: 1080px
}

.page-body .content {
    max-width: 860px
}

.page-body .content h2 {
    display: flex;
    align-items: center;
    gap: 13px;
    font-size: 1.45rem;
    letter-spacing: -.035em;
    margin-top: 30px;
    margin-bottom: 12px
}

.heading-icon {
    width: 37px;
    height: 37px;
    font-size: .96rem;
    border-radius: 11px
}

.page-body .content h2:first-child {
    margin-top: 0
}

.page-body .content p {
    color: #5e6e83
}

.page-body .notice {
    border: 1px solid #dce6f6;
    background: #f6f9ff;
    border-radius: 13px;
    padding: 19px 21px;
    color: #445872;
    line-height: 1.7
}

.page-loans .page-content-wrap>.grid2 {
    gap: 26px;
    align-items: stretch
}

.page-loans .loan-product-card {
    overflow: hidden;
    padding: 18px 22px 25px;
    background: linear-gradient(180deg, #fff, #fcfdff);
    box-shadow: 0 8px 30px rgba(21, 43, 75, .055)
}

.page-loans .loan-photo {
    width: calc(100% + 44px);
    max-width: none;
    height: 220px;
    margin: -18px -22px 23px;
    border-radius: 0 0 13px 13px;
    object-fit: cover
}

.page-loans .loan-product-card h2 {
    display: flex;
    align-items: center;
    gap: 11px;
    letter-spacing: -.04em
}

.page-loans .loan-product-card ul {
    padding-left: 20px;
    color: #596a80
}

.page-loans .loan-product-card li {
    padding: 4px 0
}

.page-loans .page-content-wrap>.content {
    max-width: none;
    margin-top: 38px;
    padding: 28px 30px;
    border: 1px solid #e1e8f2;
    border-radius: 16px;
    background: #fbfcff
}

.page-process .feature-content,
.page-responsible .feature-content {
    max-width: none;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0 22px;
    align-items: start
}

.page-process .feature-content>h2,
.page-responsible .feature-content>h2 {
    font-size: 1.1rem;
    line-height: 1.35;
    min-height: 68px;
    margin: 0;
    padding: 17px 17px 0;
    border: 1px solid #e4eaf3;
    border-bottom: 0;
    border-radius: 13px 13px 0 0;
    background: #fff
}

.page-process .feature-content>h2+p,
.page-responsible .feature-content>h2+p {
    min-height: 112px;
    margin: 0 0 20px;
    padding: 10px 17px 18px;
    border: 1px solid #e4eaf3;
    border-top: 0;
    border-radius: 0 0 13px 13px;
    background: #fff;
    font-size: .94rem
}

.page-process .feature-content>.notice,
.page-process .feature-content>.btn,
.page-responsible .feature-content>.notice,
.page-responsible .feature-content>.btn {
    grid-column: 1/-1
}

.page-process .feature-content>.notice,
.page-responsible .feature-content>.notice {
    margin: 10px 0 22px
}

.page-about .story-grid {
    align-items: center;
    gap: clamp(32px, 5vw, 68px)
}

.page-about .story-image {
    width: 100%;
    min-height: 400px;
    object-fit: cover
}

.page-about .story-grid .content {
    max-width: none
}

.page-faqs .page-content-wrap {
    max-width: 850px
}

.page-faqs .faq-list {
    display: grid;
    gap: 12px
}

.page-faqs .faq-item {
    border: 1px solid #e1e8f2;
    border-radius: 13px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 4px 15px rgba(21, 43, 75, .025)
}

.page-faqs .faq-q {
    width: 100%;
    padding: 20px 22px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    text-align: left;
    color: #1a2e4a;
    font-weight: 700
}

.page-faqs .faq-q span {
    display: grid;
    place-items: center;
    width: 30px;
    height: 30px;
    border-radius: 9px;
    background: #edf3ff;
    color: #2057c7;
    flex: 0 0 auto
}

.page-faqs .faq-a {
    padding: 0 22px 18px;
    color: #5d6e83
}

.page-contact .contact-grid {
    gap: clamp(28px, 5vw, 64px);
    align-items: start
}

.page-contact .contact-info,
.page-contact .form {
    border: 1px solid #e1e8f2;
    background: #fff;
    box-shadow: 0 12px 34px rgba(21, 43, 75, .055);
    padding: 26px;
    border-radius: 16px
}

.page-contact .contact-row {
    display: grid;
    grid-template-columns: 38px minmax(0, 1fr);
    gap: 10px;
    align-items: center;
    padding: 16px 0;
    border-bottom: 1px solid #edf1f6
}

.page-contact .contact-row:last-child {
    border-bottom: 0
}

.page-contact .contact-row strong {
    grid-column: 2;
    color: #203654
}

.page-contact .contact-row>span:not(.contact-icon) {
    grid-column: 2;
    color: #627289;
    overflow-wrap: anywhere
}

.contact-icon {
    grid-column: 1;
    grid-row: 1 / span 2;
    width: 36px;
    height: 36px;
    font-size: 1rem
}

.page-contact .form h2 {
    margin-top: 0
}

.page-legal .page-content-wrap {
    max-width: 900px
}

.page-legal .legal-copy {
    max-width: none;
    padding: clamp(22px, 4vw, 44px);
    border: 1px solid #e2e8f0;
    border-radius: 17px;
    box-shadow: 0 10px 32px rgba(21, 43, 75, .04);
    background: #fff
}

.page-legal .legal-copy>p:first-child {
    padding: 13px 16px;
    border-radius: 10px;
    background: #f6f9ff;
    color: #53657d
}

.page-legal .legal-heading {
    padding-top: 18px;
    border-top: 1px solid #edf1f6;
    font-size: 1.12rem !important
}

.page-legal .legal-heading .heading-icon {
    display: none
}

.page-legal .legal-copy .notice {
    margin-top: 26px
}

.page-body .btn {
    margin-top: 12px
}

@media(max-width:760px) {
    .page-hero {
        padding: 42px 0 44px
    }

    .page-hero-grid {
        grid-template-columns: 1fr;
        gap: 22px
    }

    .page-hero-grid>.eyebrow,
    .page-hero-grid>h1,
    .page-hero-grid>.lead {
        grid-column: 1
    }

    .page-hero-grid h1 {
        font-size: clamp(2.35rem, 9vw, 3.3rem);
        margin: 8px 0 12px
    }

    .page-hero-visual {
        grid-column: 1;
        grid-row: auto;
        padding: 0 0 17px 12px;
        margin-top: 8px
    }

    .page-hero-visual>img {
        height: 245px;
        border-radius: 16px
    }

    .hero-visual-note {
        left: 0;
        bottom: 0;
        padding: 11px 13px;
        max-width: 270px
    }

    .visual-icon {
        width: 36px;
        height: 36px
    }

    .page-body {
        padding: 38px 0 62px
    }

    .page-process .feature-content,
    .page-responsible .feature-content {
        grid-template-columns: 1fr
    }

    .page-process .feature-content>h2,
    .page-responsible .feature-content>h2 {
        min-height: 0;
        padding-top: 17px
    }

    .page-process .feature-content>h2+p,
    .page-responsible .feature-content>h2+p {
        min-height: 0;
        margin-bottom: 15px
    }

    .page-process .feature-content>.notice,
    .page-process .feature-content>.btn,
    .page-responsible .feature-content>.notice,
    .page-responsible .feature-content>.btn {
        grid-column: 1
    }

    .page-loans .loan-photo {
        height: 190px
    }

    .page-about .story-image {
        min-height: 270px;
        height: 290px
    }

    .page-contact .contact-info,
    .page-contact .form {
        padding: 20px
    }

    .page-legal .legal-copy {
        padding: 22px 18px
    }
}

@media(prefers-reduced-motion:reduce) {

    .hero-visual-note,
    .page-loans .loan-product-card {
        transition: none
    }
}


/* Navigation interaction fix: the dimmer sits behind the header and drawer, never over menu links. */
.nav-backdrop {
    z-index: 29;
    background: rgba(15, 28, 48, .22);
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    pointer-events: none;
}

.nav-backdrop.open {
    pointer-events: auto;
}

.header {
    position: sticky;
    top: 0;
    z-index: 40;
}

@media(max-width:740px) {
    .header {
        z-index: 40;
    }

    .header .nav {
        position: relative;
        z-index: 41;
    }

    .navlinks {
        z-index: 43;
        pointer-events: none;
    }

    .navlinks.open {
        pointer-events: auto;
    }

    .menu {
        z-index: 44;
        pointer-events: auto;
    }

    .nav-backdrop {
        z-index: 39;
    }
}

/* Page-specific image art direction: varied framing, tone, and decorative geometry while keeping one brand system. */
.page-hero-visual {
    isolation: isolate;
}

.page-hero-visual:before {
    z-index: -1;
    transition: transform .35s ease;
}

.page-hero-visual>img {
    transition: transform .35s ease, filter .35s ease;
}

.page-hero-visual:hover>img {
    transform: translateY(-3px);
}

.visual-about .page-hero-visual:before {
    background: linear-gradient(135deg, #dce9ff, #f1f5ff);
    transform: rotate(-3deg);
}

.visual-about .page-hero-visual>img {
    object-position: center 42%;
    border-radius: 42px 14px 42px 14px;
    filter: saturate(.82);
}

.visual-loans .page-hero-visual:before {
    background: repeating-linear-gradient(135deg, #e4edff 0 10px, #f5f8ff 10px 20px);
    transform: rotate(2.4deg);
}

.visual-loans .page-hero-visual>img {
    object-position: center 38%;
    border-radius: 18px;
    filter: saturate(1.08) contrast(1.03);
}

.visual-process .page-hero-visual:before {
    background: linear-gradient(145deg, #d8f2ee, #e8f0ff);
    transform: rotate(4deg);
}

.visual-process .page-hero-visual>img {
    object-position: center 48%;
    border-radius: 60px 18px 18px 18px;
    filter: brightness(1.04) saturate(.78);
}

.visual-responsible .page-hero-visual:before {
    background: linear-gradient(135deg, #e6ecf6, #cfdcf3);
    transform: rotate(-2deg);
}

.visual-responsible .page-hero-visual>img {
    object-position: 65% center;
    border-radius: 16px 40px 16px 40px;
    filter: saturate(.72) contrast(1.04);
}

.visual-faq .page-hero-visual:before {
    background: radial-gradient(circle at 20% 20%, #cbdcff 0 4px, transparent 5px), linear-gradient(135deg, #eaf0ff, #f4f7fc);
    background-size: 22px 22px, auto;
    transform: rotate(3deg);
}

.visual-faq .page-hero-visual>img {
    object-position: center 35%;
    border-radius: 26px;
    filter: brightness(1.03) saturate(.72);
}

.visual-contact .page-hero-visual:before {
    background: linear-gradient(145deg, #d8e8ff, #d9f1ed);
    transform: rotate(-3.5deg);
}

.visual-contact .page-hero-visual>img {
    object-position: 70% center;
    border-radius: 14px 14px 42px 14px;
    filter: saturate(.9);
}

.visual-privacy .page-hero-visual:before {
    background: linear-gradient(135deg, #e0e9fa, #f4f6fa);
    transform: rotate(2deg);
}

.visual-privacy .page-hero-visual>img {
    object-position: center 58%;
    border-radius: 14px;
    filter: grayscale(.18) saturate(.65);
}

.visual-terms .page-hero-visual:before {
    background: repeating-linear-gradient(45deg, #e0eaff 0 2px, #f0f5ff 2px 12px);
    transform: rotate(-2.5deg);
}

.visual-terms .page-hero-visual>img {
    object-position: center 45%;
    border-radius: 18px 36px 18px 36px;
    filter: contrast(1.02) saturate(.8);
}

@media(max-width:740px) {
    .page-hero-visual>img {
        height: 240px
    }

    .page-hero-visual:hover>img {
        transform: none
    }
}

/* Expanded loan information page */
.page-loans .loans-intro {
    max-width: 790px;
    margin: 0 0 30px
}

.page-loans .loans-intro h2 {
    font-size: clamp(1.8rem, 3vw, 2.45rem);
    margin: 13px 0 12px
}

.page-loans .loan-detail-grid {
    gap: 25px;
    align-items: stretch
}

.page-loans .loan-product-card {
    padding: 22px 25px 28px;
    display: flex;
    flex-direction: column
}

.page-loans .loan-product-card h2 {
    font-size: 1.65rem !important;
    margin-bottom: 12px
}

.page-loans .loan-product-card h3 {
    font-size: 1.04rem;
    margin: 23px 0 9px;
    letter-spacing: -.02em
}

.page-loans .loan-product-card p {
    line-height: 1.75
}

.page-loans .loan-product-card ul {
    margin: 0 0 8px;
    padding-left: 21px;
    line-height: 1.7
}

.page-loans .loan-product-card li {
    padding: 3px 0
}

.page-loans .loan-product-card .btn {
    align-self: flex-start;
    margin-top: auto
}

.page-loans .loan-info-section {
    margin-top: 58px
}

.page-loans .loan-info-heading {
    display: flex;
    align-items: flex-start;
    gap: 17px;
    max-width: 790px;
    margin-bottom: 24px
}

.page-loans .loan-info-heading .card-icon {
    flex: 0 0 44px;
    margin: 3px 0 0
}

.page-loans .loan-info-heading h2,
.page-loans .loan-info-section>h2 {
    font-size: clamp(1.5rem, 2.7vw, 2rem);
    margin: 7px 0 10px
}

.page-loans .loan-info-heading p {
    margin-bottom: 0
}

.page-loans .loan-info-cards {
    gap: 14px
}

.page-loans .loan-info-cards .card {
    padding: 23px;
    background: #fff
}

.page-loans .loan-info-cards h3 {
    margin-bottom: 10px;
    font-size: 1.05rem
}

.page-loans .loan-info-cards p {
    margin: 0;
    line-height: 1.75
}

.page-loans .loan-steps {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
    margin-top: 25px
}

.page-loans .loan-steps article {
    padding: 22px 19px;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: linear-gradient(180deg, #fff, #fbfcff)
}

.page-loans .loan-steps article>span {
    display: grid;
    place-items: center;
    width: 36px;
    height: 36px;
    margin-bottom: 19px;
    border-radius: 10px;
    background: #edf3ff;
    color: var(--blue);
    font-weight: 850;
    font-size: .82rem
}

.page-loans .loan-steps h3 {
    font-size: 1.03rem;
    margin-bottom: 9px
}

.page-loans .loan-steps p {
    font-size: .91rem;
    line-height: 1.7;
    margin: 0
}

.page-loans .loan-bottom-cta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    margin-top: 34px;
    padding: 28px 30px;
    border: 1px solid #dfe7f3;
    border-radius: 15px;
    background: linear-gradient(110deg, #f5f8ff, #fff 78%)
}

.page-loans .loan-bottom-cta h2 {
    font-size: 1.5rem;
    margin-bottom: 9px
}

.page-loans .loan-bottom-cta p {
    margin: 0;
    max-width: 570px
}

.page-loans .loan-cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    flex-shrink: 0
}

@media(max-width:900px) {
    .page-loans .loan-steps {
        grid-template-columns: repeat(2, minmax(0, 1fr))
    }

    .page-loans .loan-bottom-cta {
        align-items: flex-start;
        flex-direction: column
    }
}

@media(max-width:740px) {
    .page-loans .loan-product-card {
        padding: 18px 20px 24px
    }

    .page-loans .loan-photo {
        width: calc(100% + 40px);
        margin: -18px -20px 22px;
        height: 190px
    }

    .page-loans .loan-info-section {
        margin-top: 42px
    }

    .page-loans .loan-steps {
        grid-template-columns: 1fr
    }

    .page-loans .loan-steps article {
        padding: 19px
    }

    .page-loans .loan-bottom-cta {
        padding: 22px
    }

    .page-loans .loan-cta-actions {
        width: 100%;
        flex-direction: column;
        align-items: stretch
    }
}

/* Homepage hero image slider */
.hero-slider {
    overflow: hidden;
    border-radius: 20px;
    isolation: isolate;
}
.hero-slides { position: relative; min-height: 460px; }
.hero-slide {
    position: absolute; inset: 0; margin: 0; opacity: 0; visibility: hidden;
    transition: opacity .55s ease, visibility .55s ease;
}
.hero-slide.is-active { position: relative; opacity: 1; visibility: visible; }
.hero-slide .hero-photo { width: 100%; height: 460px; display: block; object-fit: cover; }
.slider-arrow {
    position: absolute; z-index: 3; top: 50%; transform: translateY(-50%);
    width: 42px; height: 42px; display: grid; place-items: center;
    border: 1px solid rgba(255,255,255,.75); border-radius: 50%;
    background: rgba(18,31,48,.68); color: #fff; font-size: 30px; line-height: 1;
    cursor: pointer; transition: background .2s ease, transform .2s ease;
}
.slider-arrow:hover { background: rgba(18,31,48,.92); }
.slider-arrow:focus-visible, .slider-dot:focus-visible { outline: 3px solid #f2bd54; outline-offset: 3px; }
.slider-prev { left: 14px; }
.slider-next { right: 14px; }
.slider-dots { position: absolute; z-index: 3; right: 18px; bottom: 18px; display: flex; gap: 8px; }
.slider-dot { width: 10px; height: 10px; padding: 0; border: 1px solid #fff; border-radius: 999px; background: rgba(255,255,255,.6); cursor: pointer; }
.slider-dot.is-active { width: 26px; background: #fff; }
@media (max-width: 740px) {
    .hero-slides, .hero-slide .hero-photo { min-height: 300px; height: 300px; }
    .slider-arrow { width: 36px; height: 36px; font-size: 25px; }
    .photo-note { max-width: 220px; left: 12px; bottom: 44px; }
    .slider-dots { right: 16px; bottom: 14px; }
}
@media (prefers-reduced-motion: reduce) {
    .hero-slide, .slider-arrow { transition: none !important; }
}


/* UGANOVA visual refresh — clean corporate hierarchy, static hero image (no carousel). */
:root { --brand-navy: #102b4e; --brand-blue: #1e58b7; --brand-sky: #eaf2ff; }
body { color: #40516a; background: #fff; }
.header { border-bottom: 1px solid #e8edf4; }
.navlinks a[aria-current="page"] { color: var(--brand-blue); font-weight: 700; }
.hero { position: relative; overflow: hidden; background: linear-gradient(115deg,#f7faff 0%,#fff 62%); }
.hero:before { content:""; position:absolute; width:340px; height:340px; right:-180px; top:-190px; border:1px solid rgba(30,88,183,.12); border-radius:50%; box-shadow:0 0 0 42px rgba(30,88,183,.025),0 0 0 84px rgba(30,88,183,.02); pointer-events:none; }
.hero-grid { position:relative; z-index:1; align-items:center; }
.hero .eyebrow { display:inline-flex; align-items:center; gap:9px; color:#2457a3; background:#eaf2ff; border:1px solid #dce8fb; padding:9px 12px; border-radius:999px; letter-spacing:.09em; }
.hero h1 { max-width:650px; margin-top:23px; }
.hero h1 span { color:#245fc1; }
.hero .lead { color:#5b6b82; line-height:1.8; }
.hero-actions { margin-top:27px; }
.trust-note { display:flex; align-items:center; gap:10px; margin-top:25px; color:#65758b; font-size:.88rem; }
.trust-note:before { content:"✓"; display:grid; place-items:center; width:23px; height:23px; border-radius:50%; color:#1e58b7; background:#e6efff; font-weight:800; }
.hero-visual-static { position:relative; min-width:0; }
.hero-photo { display:block; width:100%; object-fit:cover; object-position:center; }
.hero-visual-static:after { content:""; position:absolute; inset:14px -14px -14px 14px; border:1px solid #006cd3; border-radius:22px; z-index:-1; }
.photo-note { max-width:285px; }
.photo-note strong { display:block; color:#173354; margin-bottom:5px; }
.photo-note span { display:block; color:#687992; line-height:1.5; font-size:.9rem; }
.hero-image-label { position:absolute; right:17px; top:17px; display:flex; align-items:center; gap:8px; padding:10px 13px; border:1px solid rgba(255,255,255,.7); border-radius:999px; background:rgba(255,255,255,.94); box-shadow:0 8px 24px rgba(16,43,78,.12); color:#254362; font-size:.78rem; font-weight:700; }
.label-dot { width:8px; height:8px; background:#2b9a72; border-radius:50%; }
.section-head { margin-inline:auto; }
.card { background:#fff; }
.card-icon { font-weight:800; }
.grid3 .card, .grid2 .card { min-height:100%; }
.image-strip { align-items:center; gap:clamp(30px,6vw,78px); }
.image-strip img { border-radius:18px; box-shadow:0 22px 54px rgba(21,43,75,.13); }
.cta-band { background:linear-gradient(115deg,#102b4e,#1e58a7); border-color:#1e58a7; color:#fff; }
.cta-band h2, .cta-band p { color:#fff; }
.cta-band p { opacity:.86; }
.cta-band .btn.secondary { border-color:rgba(255,255,255,.4); color:#fff; background:transparent; }
.footer { background:#f5f8fc; }
@media(max-width:740px) {
 .hero:before { width:220px; height:220px; right:-140px; top:-130px; }
 .hero-visual-static:after { inset:10px -7px -10px 7px; }
 .hero-image-label { right:10px; top:10px; font-size:.7rem; }
 .photo-note { left:10px; bottom:12px; }
 .cta-band .hero-actions { align-items:stretch; }
}