/* Trueway Financial Services — site styles (homepage and legal pages)
   Layout follows the Swoop Funding pattern: utility bar, sticky header with loan dropdown,
   video hero with rotating notification cards, loan-type cards with paper-plane scroll
   animation and counting stats, tabbed "who we help" panel, sticky-phone product section,
   pinned four-step process with rolling ₹ coin, eligibility, contact form and dark footer. */

:root {
  --navy: #0d166f;          /* Trueway logo blue: headings, primary buttons */
  --navy-dark: #080e4a;     /* dark panels and footer */
  --navy-soft: #1d2a8f;
  --teal: #23796e;          /* accent: links, highlights, success states (5.2:1 on white, AA) */
  --teal-dark: #1b5e55;
  --text: #4f5d75;          /* body copy */
  --muted: #5d6a80;         /* small secondary text (5.5:1 on white, AA) */
  --line: #e1e7ef;
  --soft: #f4f7fb;          /* light bands */
  --white: #ffffff;

  --orange: #f07a3c;
  --purple: #6f409e;
  --olive: #7f8f22;

  /* Neue Haas Grotesk Display (trial files). The trial cuts have no ₹ % + – @ & /, so those
     characters fall back to Helvetica/Arial, which Neue Haas Grotesk was the original of. */
  --font: "Neue Haas Display", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --font-heading: "Neue Haas Display Round", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --radius-pill: 999px;
  --radius-card: 14px;
  --shadow-card: 0 10px 30px rgba(13, 22, 111, 0.08);
  --container: 1200px;
}

@font-face {
  font-family: "Neue Haas Display";
  src: url("../fonts/neuehaasgrotdisp-55roman-trial.otf") format("opentype");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Neue Haas Display Round";
  src: url("../fonts/neuehaasgrotdispround-75bold-trial.otf") format("opentype");
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  letter-spacing: 0.01em;   /* display cut is spaced for large sizes; a touch more air at body size */
  word-spacing: 0.06em;     /* its word spaces are narrow too */
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); font-weight: 700; color: var(--navy); line-height: 1.15; margin: 0; text-wrap: balance; }
/* There is no bold Roman file, so anything set in bold uses the real Bold file
   instead of a browser-faked bold (which looks smudged). */
b, strong, .btn, .tab, .link, .footer__phone, .product__range, .process__time,
.cat__label b, .offer__title, .offer__match, .offer dd, .pill, .stat-value {
  font-family: var(--font-heading);
  font-weight: 700;
}
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }

:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding-left: 24px;
  padding-right: 24px;
}

.section { padding-block: 96px; }
.section--soft { background: var(--soft); }

.section-head { text-align: center; max-width: 760px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
.section-head p { margin-top: 16px; font-size: 1.1rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font: 700 1rem/1 var(--font-heading);
  text-decoration: none;
  border-radius: var(--radius-pill);
  padding: 16px 32px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color .2s, color .2s, border-color .2s, transform .2s;
}
.btn--primary { background: var(--navy); color: var(--white); }
.btn--primary:hover { background: var(--navy-soft); }
.btn--teal { background: var(--teal); color: var(--white); }
.btn--teal:hover { background: var(--teal-dark); }
.btn--white { background: var(--white); color: var(--navy); }
.btn--white:hover { background: #e9eefb; }
.btn--ghost-light { border-color: rgba(255,255,255,.7); color: var(--white); }
.btn--ghost-light:hover { background: rgba(255,255,255,.1); }
.btn--sm { padding: 12px 24px; font-size: .95rem; }

/* Arrow-fill button ("Check eligibility" in the hero and the header, desktop only):
   a circle with an arrow sits at the right end; on hover or keyboard focus the circle spreads
   to fill the button, the text switches colour and a new arrow slides in. The fill is a
   full-size layer revealed with clip-path (not a small circle scaled up), so its edges stay
   crisp at the rounded corners. On phones and tablets these are the normal buttons.
   --fill / --fill-fg: circle colour, and the text/arrow colour once filled. */
.btn__arrow { display: none; }
@media (min-width: 1081px) and (hover: hover) {
  .btn--arrow {
    --circle: 40px;
    --edge: 6px;                       /* gap between the circle and the button edge */
    --cx: calc(100% - var(--edge) - var(--circle) / 2);
    --ease: cubic-bezier(.785, .135, .15, .86);
    --fill: var(--navy);               /* white button (hero): navy circle, fills navy */
    --fill-fg: var(--white);
    --fill-inset: -2px;                /* covers the 2px border too, so no white rim shows */
    position: relative;
    isolation: isolate;
    padding: 18px calc(var(--circle) + var(--edge) + 18px) 18px 28px;
    transition: color .45s var(--ease);
  }
  .btn--primary.btn--arrow {           /* navy button (header): white circle, fills white */
    --circle: 36px;
    --edge: 6px;
    --fill: var(--white);
    --fill-fg: var(--navy);
    --fill-inset: 0px;                 /* keeps a navy outline so the white fill stays visible on the white header */
    padding: 16px calc(var(--circle) + var(--edge) + 16px) 16px 26px;
  }
  .btn--arrow::before {                /* the fill: shows as the circle at rest */
    content: "";
    position: absolute;
    inset: var(--fill-inset);
    z-index: -1;
    border-radius: inherit;
    background: var(--fill);
    clip-path: circle(calc(var(--circle) / 2) at var(--cx) 50%);
    transition: clip-path .45s var(--ease);
  }
  .btn__arrow {                        /* arrow window over the circle */
    display: block;
    position: absolute;
    top: 50%;
    right: var(--edge);
    width: var(--circle);
    height: var(--circle);
    margin-top: calc(var(--circle) / -2);
    border-radius: 50%;
    overflow: hidden;
    color: var(--fill-fg);
    pointer-events: none;
  }
  .btn__arrow svg {
    position: absolute;
    top: 27%;
    left: 27%;
    width: 46%;
    height: 46%;
    transition: transform .45s var(--ease);
  }
  .btn__arrow svg:first-child { transform: translateX(-170%) scale(0); }   /* waits off to the left */
  .btn--white.btn--arrow:is(:hover, :focus-visible) { background: var(--white); }
  .btn--primary.btn--arrow:is(:hover, :focus-visible) { background: var(--navy); }
  .btn--arrow:is(:hover, :focus-visible) { color: var(--fill-fg); }
  .btn--arrow:is(:hover, :focus-visible)::before { clip-path: circle(150% at var(--cx) 50%); }
  .btn--arrow:is(:hover, :focus-visible) .btn__arrow svg:first-child { transform: none; }
  .btn--arrow:is(:hover, :focus-visible) .btn__arrow svg:last-child { transform: translateX(170%) scale(0); }
}

.product__copy .link { padding-block: 8px; }   /* comfortable tap target */
.link {
  color: var(--teal);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 4px;
}
.link:hover { color: var(--teal-dark); }

/* ---------- Utility bar ---------- */
.utility { border-bottom: 1px solid var(--line); font-size: .95rem; }
.utility .container { display: flex; justify-content: space-between; align-items: center; min-height: 52px; gap: 16px; }
.utility nav { display: flex; gap: 28px; }
.utility a { color: var(--navy); text-decoration: none; }
.utility a:hover { color: var(--teal); }
.utility__contact { display: flex; gap: 24px; align-items: center; }
.utility__contact a { display: inline-flex; align-items: center; gap: 6px; }

/* ---------- Header ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--white);
  transition: box-shadow .2s;
}
.header.is-scrolled { box-shadow: 0 4px 20px rgba(13, 22, 111, .08); }
.header .container { display: flex; align-items: center; gap: 40px; min-height: 96px; }
.brand img { height: 64px; width: auto; }
.nav { display: flex; gap: 32px; flex: 1; }
.nav a {
  color: var(--navy);
  text-decoration: none;
  font-size: 1.05rem;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.nav a:hover { color: var(--teal); }

/* "Business loans" dropdown: opens on hover or keyboard focus */
.nav__item { position: relative; display: flex; align-items: center; }
.nav__parent svg { transition: transform .2s ease; }
.nav__menu {
  position: absolute;
  top: calc(100% + 18px);
  left: -18px;
  min-width: 290px;
  padding: 8px;
  display: grid;
  gap: 2px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  box-shadow: 0 18px 40px rgba(13, 22, 111, .12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity .2s ease, transform .2s ease, visibility 0s .2s;
  z-index: 60;
}
.nav__menu::before { content: ""; position: absolute; left: 0; right: 0; top: -20px; height: 20px; } /* keeps hover alive across the gap */
.nav__item:hover .nav__menu,
.nav__item:focus-within .nav__menu { opacity: 1; visibility: visible; transform: none; transition-delay: 0s; }
.nav__item:hover .nav__parent svg,
.nav__item:focus-within .nav__parent svg { transform: rotate(180deg); }
.nav .nav__menu a { display: grid; gap: 2px; padding: 10px 14px; border-radius: 10px; font-size: 1rem; }
.nav .nav__menu a:hover { background: var(--soft); color: var(--navy); }
.nav__menu small { color: var(--muted); font-size: .85rem; }
.header__actions { display: flex; align-items: center; gap: 24px; }
.header__actions .signin { color: var(--navy); text-decoration: underline; text-underline-offset: 4px; }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; color: var(--navy); cursor: pointer; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  color: var(--white);
  background: #1c1c1c;
  overflow: hidden;
}
/* Background video: the poster frame shows immediately, the video fades in once it plays */
.hero__media { position: absolute; inset: 0; }
.hero__video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  background: #1c1c1c url("../video/hero-poster.webp") center / cover no-repeat;
}
.hero__media::after {
  /* black tint over the whole video, darkest behind the headline so white text
     stays readable over bright areas like the white shirt */
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0, 0, 0, .75) 0%, rgba(0, 0, 0, .6) 50%, rgba(0, 0, 0, .4) 100%);
}
.hero .container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 400px);
  gap: 48px;
  align-items: center;
  padding-block: 72px 88px;
}
.hero h1 { color: var(--white); font-size: clamp(2.3rem, 4.2vw, 3.3rem); font-weight: 700; }
.hero__lead { text-wrap: pretty; margin-top: 16px; font-size: clamp(1.15rem, 1.9vw, 1.45rem); line-height: 1.4; color: var(--white); max-width: 42ch; }
.hero__checks { margin-top: 32px; display: grid; gap: 14px; }
.hero__checks li { display: flex; align-items: center; gap: 14px; font-size: clamp(1.05rem, 1.6vw, 1.3rem); font-weight: 500; color: var(--white); }
.hero__checks .tick { flex: none; width: 26px; height: 26px; border-radius: 50%; background: #22a06b; color: var(--white); display: grid; place-items: center; }
.hero__proof { margin-top: 28px; color: #e7e9ee; font-size: 1rem; }
.hero__proof strong { color: var(--white); font-size: 1.15rem; }
.hero__actions { margin-top: 28px; display: flex; flex-wrap: wrap; gap: 16px; }

/* Shorter laptop screens (e.g. 1366×768, 1280×720): tighten the hero so the
   "Check eligibility" button is visible without scrolling */
@media (min-width: 1081px) and (max-height: 860px) {
  .hero .container { padding-block: 40px 48px; }
  .hero h1 { font-size: clamp(2.3rem, 3.6vw, 2.9rem); }
  .hero__lead { margin-top: 12px; font-size: 1.25rem; }
  .hero__checks { margin-top: 20px; gap: 8px; }
  .hero__checks li { font-size: 1.1rem; }
  .hero__proof { margin-top: 18px; }
  .hero__actions { margin-top: 20px; }
}

/* Rotating notification stack (same mechanic as Swoop's hero).
   main.js sets --slot on each card: 0 = front, 3 = furthest back.
   Each step back moves the card up, shrinks it, fades it and blurs it. */
.notify {
  pointer-events: none;   /* decorative: the stacked (and on phones, invisible) cards must never block taps on the buttons */
  position: relative;
  justify-self: end;
  width: min(100%, 400px);
  height: 330px;
}
.notify__card {
  --slot: 0;
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  min-height: 96px;
  display: flex; align-items: center; gap: 16px;
  background: var(--white);
  color: var(--navy);
  border-radius: 12px;
  padding: 18px 22px;
  box-shadow: 0 18px 40px rgba(0, 0, 0, .18);
  font-size: 1rem;
  line-height: 1.4;
  z-index: calc(10 - var(--slot));
  transform: translateY(calc(var(--slot) * -68px)) scale(calc(1 - var(--slot) * .045));
  filter: blur(calc(var(--slot) * 1.8px));
  opacity: 1;
  transition:
    transform .5s cubic-bezier(.22, .61, .36, 1),
    filter .5s ease,
    opacity .5s ease;
}
.notify__card[data-slot="1"], .notify__card[data-slot="2"], .notify__card[data-slot="3"] { opacity: .82; }
.notify__icon { flex: none; width: 46px; height: 46px; border-radius: 50%; background: var(--teal); color: var(--white); display: grid; place-items: center; }
.notify__card small { display: block; color: var(--muted); font-size: .85rem; }

/* ---------- Trust band ---------- */
/* ---------- Funding row: paper plane + counting stats ---------- */
#loans { overflow-x: clip; }   /* the plane flies off to the right without causing a sideways scroll */
.funding-row { position: relative; }
.plane-wrap {
  position: absolute;
  /* taller than the content (like Swoop's 900px layer) so the flight has room to loop
     and the scroll range that drives it is long enough */
  top: -120px;
  left: -40px;
  right: -40px;
  bottom: -260px;
  pointer-events: none;
  z-index: 2;
  visibility: hidden;          /* funding-row.js shows it once the animation is set up */
}
.plane-path { position: absolute; inset: 0; width: 100%; height: 100%; overflow: visible; }
.plane-path--top { transform: translate(5px, -5px); }
.plane-path--bottom { transform: translate(-5px, 5px); }
.plane { position: absolute; top: 0; left: 0; width: 150px; height: 60px; filter: drop-shadow(0 10px 14px rgba(13, 22, 111, .18)); }

.stats {
  position: relative;
  margin-top: 48px;
  background: var(--navy);
  border-radius: 20px;
  padding: 36px 32px;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
  text-align: center;
  color: var(--white);
}
.stat-card { display: grid; justify-items: center; gap: 6px; }
.stat-icon { position: relative; width: 56px; height: 56px; display: grid; place-items: center; margin-bottom: 10px; }
.stat-ring { position: absolute; inset: 0; transform: rotate(-90deg); }
.stat-ring circle { fill: none; stroke: var(--white); stroke-width: 2; }
.stat-glyph { color: var(--white); }
.stat-value { font-family: var(--font-heading); font-size: clamp(1.9rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.1; font-variant-numeric: tabular-nums; }
.stat-label { color: #d5daf5; font-size: .98rem; }

/* ---------- Category cards ---------- */
.cats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; max-width: 960px; margin: 0 auto; }
.cat {
  --c: var(--teal);
  --c-bg: #e7f5f3;
  display: flex; flex-direction: column; align-items: center; gap: 18px;
  text-align: center;
  text-decoration: none;
  border: 1.5px solid var(--c);
  border-radius: 6px;
  padding: 24px 16px 28px;
  color: var(--c);
  background: var(--white);
  transition: background-color .2s;
}
.cat:hover { background: var(--c-bg); }
.cat__icon { width: 88px; height: 88px; border-radius: 50%; background: var(--c-bg); display: grid; place-items: center; }
.cat__label { font-size: 1.05rem; line-height: 1.35; }
.cat__label b { display: block; font-weight: 700; }
.cat--orange { --c: var(--orange); --c-bg: #fdeee5; }
.cat--purple { --c: var(--purple); --c-bg: #f2ecf8; }
.cat--olive  { --c: var(--olive);  --c-bg: #f3f6df; }

/* ---------- Dark tabbed panel ---------- */
.panel {
  position: relative;
  margin-top: 56px;
  background:
    linear-gradient(115deg, transparent 0 34%, rgba(255,255,255,.05) 34% 52%, transparent 52%),
    var(--navy-dark);
  border-radius: 20px;
  padding: 40px;
  display: grid;
  grid-template-columns: minmax(0, 320px) minmax(0, 1fr);
  gap: 48px;
  color: var(--white);
  overflow: hidden;
}
.panel__tabs { display: grid; gap: 16px; align-content: start; }
.tab {
  font: 700 1.05rem var(--font-heading);
  border: 0;
  border-radius: var(--radius-pill);
  padding: 18px 24px;
  background: rgba(255,255,255,.14);
  color: var(--white);
  cursor: pointer;
  transition: background-color .2s, color .2s;
}
.tab:hover { background: rgba(255,255,255,.22); }
.tab[aria-selected="true"] { background: var(--white); color: var(--navy); }
.panel__copy h3 { color: var(--white); font-size: 1.5rem; margin-top: 8px; }
.panel__copy p { color: #d5dbf7; margin-top: 10px; }
.panel__copy .btn { margin-top: 20px; }

/* Application tracker mock-up */
.tracker {
  background: var(--white);
  color: var(--text);
  border-radius: 12px;
  padding: 24px;
  display: grid;
  gap: 20px;
  align-self: start;
  font-size: .92rem;
  min-width: 0;
}
.tracker__head { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; flex-wrap: wrap; }
.tracker__head h4 { font-size: 1.15rem; }
.tracker__head .amount { font-size: 1.6rem; font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; }
.pill { display: inline-block; font-size: .78rem; font-weight: 600; border-radius: var(--radius-pill); padding: 4px 12px; background: #e7f5f3; color: var(--teal-dark); }
.pill--wait { background: #fff3e6; color: #a65a14; }

.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 8px; }
.steps li { position: relative; padding-top: 22px; font-weight: 600; color: var(--navy); font-size: .85rem; }
.steps li::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; border-radius: 3px; background: var(--line); }
.steps li.done::before { background: var(--teal); }
.steps li.now::before { background: linear-gradient(90deg, var(--teal) 50%, var(--line) 50%); }
.steps li span { display: block; font-weight: 400; color: var(--muted); font-size: .8rem; }

.offers { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.offers th { text-align: left; font-weight: 600; color: var(--muted); font-size: .78rem; padding: 0 8px 8px 0; border-bottom: 1px solid var(--line); }
.offers td { padding: 12px 8px 12px 0; border-bottom: 1px solid var(--line); color: var(--navy); }
.offers tr:last-child td { border-bottom: 0; }
.table-scroll { overflow-x: auto; }
.tracker__note { font-size: .78rem; color: var(--muted); }
.tracker__amount { text-align: right; }

/* ---------- Product rows ---------- */
.products { display: grid; gap: 96px; }
.product { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 72px; align-items: center; }
.product__copy { justify-self: end; text-align: right; max-width: 420px; display: grid; gap: 16px; justify-items: end; }
.product--flip .product__copy { order: 2; justify-self: start; text-align: left; justify-items: start; }
.product__icon { width: 84px; height: 84px; border-radius: 50%; border: 2px solid var(--c, var(--orange)); color: var(--c, var(--orange)); display: grid; place-items: center; }
.product h3 { font-size: 1.9rem; }
.product__range { font-weight: 700; color: var(--navy); }

/* Phone mock-up */
.phone {
  justify-self: start;
  width: 300px;
  max-width: 100%;
  border: 10px solid #111;
  border-radius: 44px;
  background: var(--white);
  overflow: hidden;
  box-shadow: 0 30px 60px rgba(13, 22, 111, .18);
}
.product--flip .phone { justify-self: end; }
.phone__bar { background: var(--navy-dark); color: var(--white); padding: 34px 18px 14px; display: flex; justify-content: space-between; align-items: center; font-size: .8rem; }
.phone__bar .avatar { width: 26px; height: 26px; border-radius: 50%; background: var(--teal); display: grid; place-items: center; font-size: .7rem; font-weight: 700; }
.phone__body { padding: 18px; display: grid; gap: 14px; font-size: .85rem; }
.phone__body h4 { font-size: 1.3rem; color: #111; }
.phone__body .sub { color: var(--muted); font-size: .8rem; line-height: 1.4; }
.offer { border: 1px solid var(--line); border-radius: 10px; padding: 14px; display: grid; gap: 10px; }
.offer__title { font-weight: 700; color: #111; }
.offer__match { background: var(--soft); border-left: 3px solid var(--navy); padding: 6px 10px; font-weight: 600; color: var(--navy); font-size: .8rem; }
.offer dl { margin: 0; display: grid; }
.offer dl div { display: flex; justify-content: space-between; padding: 7px 0; border-top: 1px solid var(--line); }
.offer dt { color: var(--text); }
.offer dd { margin: 0; font-weight: 700; color: #111; }
.offer .btn { padding: 10px; font-size: .85rem; width: 100%; position: relative; }

/* ---------- Product scroll effects (products.js) ----------
   Everything below only animates opacity and transform, which the browser hands to the GPU.
   .js-anim is added by products.js, so without JavaScript (or with reduced motion) nothing is hidden. */
.products__phone { display: none; }
.phone__screens { display: grid; }
.phone__screens > .phone__body {
  grid-area: 1 / 1;             /* screens stack in one cell; the tallest sets the height */
  opacity: 0;
  visibility: hidden;
  transform: translateY(24px);
  transition: opacity .45s ease, transform .45s ease, visibility 0s .45s;
}
.phone__screens > .phone__body.is-active {
  opacity: 1;
  visibility: visible;
  transform: none;
  transition: opacity .45s ease, transform .45s ease, visibility 0s;
}

/* Desktop: one sticky phone beside the three product descriptions */
@media (min-width: 900px) {
  .products--sticky {
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: 0 96px;
    max-width: 960px;
    margin: 0 auto;
  }
  .products--sticky .product { grid-column: 1; display: flex; align-items: center; min-height: 72vh; }
  .products--sticky .product > .phone { display: none; }
  .products--sticky .product__copy,
  .products--sticky .product--flip .product__copy {
    text-align: left;
    justify-items: start;
    max-width: 460px;
    opacity: .3;
    transition: opacity .5s ease;
  }
  .products--sticky .product.is-active .product__copy { opacity: 1; }
  .products--sticky .products__phone {
    display: block;
    grid-column: 2;
    grid-row: 1 / span 3;
    align-self: start;
    position: sticky;
    top: max(110px, calc(50vh - 240px));
  }
}

/* The app screen "loads" its results: rows appear one after another, then the button pulses once */
.js-anim .phone .offer__match,
.js-anim .phone .offer dl > div,
.js-anim .phone .offer .btn {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity .4s ease, transform .4s ease;
}
.js-anim .phone .offer__match { --d: .15s; }
.js-anim .phone .offer dl > div:nth-child(1) { --d: .25s; }
.js-anim .phone .offer dl > div:nth-child(2) { --d: .35s; }
.js-anim .phone .offer dl > div:nth-child(3) { --d: .45s; }
.js-anim .phone .offer .btn { --d: .55s; }
.phone__body.is-active .offer__match,
.phone__body.is-active .offer dl > div,
.phone__body.is-active .offer .btn,
.product.is-in > .phone .offer__match,
.product.is-in > .phone .offer dl > div,
.product.is-in > .phone .offer .btn {
  opacity: 1;
  transform: none;
  transition-delay: var(--d);
}
.offer .btn::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 2px solid var(--navy);
  border-radius: inherit;
  opacity: 0;
  pointer-events: none;
}
.phone__body.is-active .offer .btn::after,
.product.is-in > .phone .offer .btn::after { animation: btn-pulse .9s ease-out 1.1s 1; }
@keyframes btn-pulse {
  from { opacity: .6; transform: scale(1); }
  to { opacity: 0; transform: scale(1.06, 1.6); }
}

/* Small screens: each product's phone rises and tilts upright as it scrolls in */
.js-anim .product > .phone {
  opacity: 0;
  transform: perspective(1000px) translateY(48px) rotateX(18deg);
  transform-origin: 50% 100%;
  transition: opacity .7s ease, transform .9s cubic-bezier(.22, .61, .36, 1);
}
.product.is-in > .phone { opacity: 1; transform: none; }

/* Product text fades up line by line the first time it scrolls into view */
.js-anim .product__copy > * {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .6s ease, transform .6s ease;
}
.js-anim .product__copy > :nth-child(2) { transition-delay: .08s; }
.js-anim .product__copy > :nth-child(3) { transition-delay: .16s; }
.js-anim .product__copy > :nth-child(4) { transition-delay: .24s; }
.js-anim .product__copy > :nth-child(5) { transition-delay: .32s; }
.product.is-in .product__copy > * { opacity: 1; transform: none; }

/* ---------- Process ---------- */
/* One continuous timeline: the four steps are a real sequence */
.process-track { position: relative; }
.process { position: relative; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
/* the line runs from the centre of step 1's number to the centre of step 4's:
   three columns plus three gaps = 75% of (width + gap) */
.process__line { position: absolute; top: 22px; left: 23px; width: calc(75% + 24px); height: 2px; background: var(--line); }
.process__fill { position: absolute; inset: 0; background: linear-gradient(90deg, var(--navy), var(--teal)); transform-origin: left center; }
.process__coin { display: none; position: absolute; top: 3px; left: 3px; z-index: 3; filter: drop-shadow(0 4px 6px rgba(138, 90, 0, .3)); }
.process li { position: relative; z-index: 1; display: grid; gap: 10px; align-content: start; padding-right: 8px; }
.process__num { width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: var(--white); display: grid; place-items: center; font-weight: 700; border: 4px solid var(--soft); }
.process li:last-child .process__num { background: var(--teal); }
.process h3 { font-size: 1.25rem; margin-top: 6px; }
.process__time { font-weight: 700; color: var(--teal-dark); font-size: .95rem; }

/* Scroll animation states (process.js adds .process-track--anim on desktop only).
   Steps start greyed out and light up as the coin reaches them. */
.process-track--anim .process__coin { display: block; }
.process-track--anim .process li .process__num { background: #c5cbda; transition: background-color .3s ease; }
.process-track--anim .process li.is-reached .process__num { background: var(--navy); animation: step-pop .45s ease-out; }
.process-track--anim .process li:last-child.is-reached .process__num { background: var(--teal); }
.process-track--anim li > :not(.process__num) { opacity: .35; transition: opacity .4s ease; }
.process-track--anim li.is-reached > * { opacity: 1; }
@keyframes step-pop {
  50% { transform: scale(1.18); }
}
.banner-48 {
  margin-top: 40px;
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px;
  background: var(--teal);
  color: var(--white);
  border-radius: var(--radius-card);
  padding: 28px 36px;
}
.banner-48 h3 { color: var(--white); font-size: 1.6rem; }
.banner-48 p { color: var(--white); }

/* ---------- Eligibility ---------- */
.elig { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.elig__card { border: 1px solid var(--line); border-radius: var(--radius-card); padding: 32px; display: grid; gap: 18px; align-content: start; }
.elig__card h3 { font-size: 1.4rem; }
.checks { display: grid; gap: 12px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; }
.checks svg { flex: none; margin-top: 4px; color: var(--teal); }
.checks b { color: var(--navy); }

.docs { margin-top: 24px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; align-items: start; }
.docs details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-card); padding: 20px 24px; }
.docs summary { cursor: pointer; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; align-items: center; }
.docs summary::-webkit-details-marker { display: none; }
.docs summary::after { content: "+"; font-size: 1.4rem; color: var(--teal); line-height: 1; }
.docs details[open] summary::after { content: "−"; }
.docs ul { margin-top: 14px; display: grid; gap: 6px; }
.docs li::before { content: "• "; color: var(--teal); }

/* ---------- Why Trueway (review-card style) ---------- */
.why { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 48px; }
.why__item { display: grid; gap: 12px; align-content: start; padding-top: 24px; border-top: 2px solid var(--navy); }
.why__item .ico { width: 48px; height: 48px; border-radius: 50%; background: #e7f5f3; color: var(--teal); display: grid; place-items: center; }
.why__item h3 { font-size: 1.25rem; }

.lenders { margin-top: 56px; text-align: center; }
.lenders p { font-weight: 700; color: var(--navy); }
.lenders ul { margin-top: 18px; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.lenders li { border: 1px solid var(--line); background: var(--white); border-radius: var(--radius-pill); padding: 10px 20px; color: var(--navy); font-weight: 600; font-size: .95rem; }

/* ---------- Contact ---------- */
.contact { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 56px; align-items: start; }
.contact__info h2 { font-size: clamp(2rem, 4vw, 2.8rem); }
.contact__info h2 + p { margin-top: 14px; color: var(--teal); font-weight: 700; font-size: 1.3rem; }
.contact__list { margin-top: 32px; display: grid; gap: 20px; }
.contact__list li { display: flex; gap: 16px; align-items: flex-start; }
.contact__list .ico { flex: none; width: 44px; height: 44px; border-radius: 50%; background: var(--soft); color: var(--navy); display: grid; place-items: center; }
.contact__list b { display: block; color: var(--navy); }
.contact__list a { text-decoration: none; }
.contact__list a:hover { color: var(--teal); }

.form { background: var(--white); border-radius: 20px; padding: 40px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.form h3 { grid-column: 1 / -1; font-size: 1.5rem; }
.form .full { grid-column: 1 / -1; }
.form label { display: block; font-weight: 600; color: var(--navy); font-size: .95rem; margin-bottom: 6px; }
.form input, .form select, .form textarea {
  width: 100%;
  border: 0;
  border-bottom: 1.5px solid #b9c3d6;
  background: transparent;
  padding: 10px 2px;
  font: 400 1rem var(--font);
  color: var(--navy);
  border-radius: 0;
}
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-bottom-color: var(--teal); }
.form textarea { resize: vertical; min-height: 90px; }
.form .consent { display: flex; gap: 10px; align-items: flex-start; font-size: .88rem; }
.form .consent input { width: auto; margin-top: 4px; accent-color: var(--teal); }
.form .legal { font-size: .85rem; color: var(--muted); }
.form .legal a { color: var(--navy); }
.form .error { color: #b42318; font-size: .85rem; margin-top: 4px; }
.form__status { grid-column: 1 / -1; background: #e7f5f3; color: var(--teal-dark); border-radius: 10px; padding: 14px 18px; font-weight: 600; }
.form__status--error { background: #fdecea; color: #b42318; }
.form button[disabled] { opacity: .7; cursor: progress; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-dark); color: #cfd5f5; padding-top: 72px; }
.footer__top { display: grid; grid-template-columns: minmax(0, 1.2fr) repeat(3, minmax(0, 1fr)); gap: 40px; }
.footer__brand img { height: 72px; width: auto; }
.footer__phone { display: block; margin-top: 20px; font-size: 1.9rem; font-weight: 700; color: var(--white); text-decoration: none; }
.footer__brand .btns { margin-top: 20px; display: flex; gap: 12px; flex-wrap: wrap; }
.footer h4 { color: var(--white); font-size: 1.1rem; margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.footer h4 .ico { width: 28px; height: 28px; border-radius: 50%; background: rgba(255,255,255,.12); display: grid; place-items: center; }
.footer ul { display: grid; gap: 10px; }
.footer__top a:not(.btn), .footer__bar a { color: #e5e9ff; text-decoration: none; }
.footer__top a:not(.btn):hover, .footer__bar a:hover { color: var(--white); text-decoration: underline; }
.footer__legal a { color: var(--navy); }
.footer__hours { margin-top: 18px; font-size: .92rem; }
.footer__bar { margin-top: 56px; border-top: 1px solid rgba(255,255,255,.15); padding-block: 22px; display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; font-size: .95rem; }
.footer__bar nav { display: flex; flex-wrap: wrap; gap: 12px 24px; }
.footer__legal { background: var(--soft); color: var(--text); font-size: .85rem; padding-block: 28px 36px; }
.footer__legal .loc { display: inline-flex; align-items: center; gap: 6px; border: 1px solid #c9d2e3; border-radius: 6px; padding: 6px 12px; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.footer__legal p + p { margin-top: 10px; }
.footer__legal b { color: var(--navy); }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 36px; }
  .nav, .header__actions .signin, .utility nav { display: none; }
  .menu-toggle { display: inline-flex; }
  .header .container { justify-content: space-between; min-height: 80px; }
  .brand img { height: 52px; }
  .nav.is-open {
    display: grid;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    padding: 16px 24px 24px;
    gap: 4px;
    box-shadow: 0 16px 30px rgba(13, 22, 111, .1);
  }
  .nav.is-open a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  /* in the phone menu the loan types are always listed, indented under "Business loans" */
  .nav.is-open .nav__item { display: block; }
  .nav.is-open .nav__parent { display: flex; }
  .nav.is-open .nav__parent svg { display: none; }
  .nav.is-open .nav__menu {
    position: static; min-width: 0; padding: 0 0 0 16px; border: 0; border-radius: 0; box-shadow: none;
    opacity: 1; visibility: visible; transform: none; gap: 0;
  }
  .nav.is-open .nav__menu::before { display: none; }
  .nav.is-open .nav__menu a { padding: 10px 0; border-radius: 0; }
  .hero .container { grid-template-columns: minmax(0, 1fr); }
  .notify { justify-self: start; height: 310px; }
  .panel { grid-template-columns: minmax(0, 1fr); }
  .panel__tabs { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .panel__copy { grid-column: 1 / -1; }
  .process { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 40px; }
  .process__line, .process__coin { display: none !important; }
  .contact { grid-template-columns: minmax(0, 1fr); }
  .footer__top { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .section { padding-block: 64px; }
  .utility__contact .hide-sm { display: none; }
  .header__actions .btn { padding: 12px 18px; font-size: .9rem; }
  .stats { grid-template-columns: minmax(0, 1fr); padding: 28px 20px; gap: 28px; }
  .tracker__amount { text-align: left; }
  /* bigger tap targets on phones (aim for ~40px) */
  .utility__contact a { padding-block: 10px; }
  .contact__list a, .legal-contact a { display: inline-block; padding-block: 8px; }
  .footer ul { gap: 0; }
  .footer__top a:not(.btn), .footer__bar a { display: inline-block; padding-block: 10px; }
  .form .consent input { width: 22px; height: 22px; margin-top: 0; }
  .docs summary { min-height: 40px; }
  .plane-wrap { display: none; }
  .cats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .panel { padding: 24px; }
  .panel__tabs { grid-template-columns: minmax(0, 1fr); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .product, .product--flip { grid-template-columns: minmax(0, 1fr); gap: 32px; }
  .product__copy, .product--flip .product__copy { order: 0; justify-self: start; text-align: left; justify-items: start; }
  .phone, .product--flip .phone { justify-self: center; }
  .process, .elig, .docs, .why { grid-template-columns: minmax(0, 1fr); }
  .form { grid-template-columns: minmax(0, 1fr); padding: 28px 22px; }
  .footer__top { grid-template-columns: minmax(0, 1fr); }
}

/* ---------- Legal pages (privacy-policy.html, terms-conditions.html) ---------- */
[id] { scroll-margin-top: 110px; }   /* anchor jumps land below the sticky header */

.legal-hero { background: var(--soft); padding-block: 56px 48px; }
.crumbs { display: flex; gap: 8px; font-size: .9rem; color: var(--muted); margin-bottom: 16px; }
.crumbs a { color: var(--navy); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }
.legal-hero h1 { font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 700; }
.legal-hero p { margin-top: 14px; max-width: 62ch; font-size: 1.1rem; }

.legal { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: 64px; padding-block: 64px 96px; align-items: start; }
.legal-toc { position: sticky; top: 120px; }
.legal-toc h2 { font-size: 1rem; margin-bottom: 14px; }
.legal-toc ol { display: grid; gap: 4px; border-left: 2px solid var(--line); }
.legal-toc a {
  display: block;
  padding: 6px 0 6px 16px;
  margin-left: -2px;
  border-left: 2px solid transparent;
  color: var(--text);
  text-decoration: none;
  font-size: .95rem;
  line-height: 1.4;
}
.legal-toc a:hover { color: var(--navy); border-left-color: var(--navy); }

.legal-body { max-width: 72ch; min-width: 0; }
.legal-body section + section { margin-top: 40px; padding-top: 40px; border-top: 1px solid var(--line); }
.legal-body h2 { font-size: 1.45rem; font-weight: 700; }
.legal-body h3 { font-size: 1.05rem; margin-top: 22px; }
.legal-body p { margin-top: 12px; }
.legal-body ul { margin-top: 12px; display: grid; gap: 8px; }
.legal-body li { position: relative; padding-left: 22px; }
.legal-body li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 7px; height: 7px; border-radius: 50%; background: var(--teal); }
.legal-body .list-cols { display: block; columns: 2; column-gap: 32px; }
.legal-body .list-cols li { break-inside: avoid; margin-bottom: 8px; }
.legal-body .note { margin-top: 16px; padding: 14px 18px; background: var(--soft); border-radius: 10px; color: var(--navy); font-weight: 500; }

.legal-contact { margin-top: 20px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.legal-contact li { padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--radius-card); }
.legal-contact li::before { display: none; }
.legal-contact b { display: block; color: var(--navy); margin-bottom: 4px; }
.legal-contact a { color: var(--text); text-decoration: none; }
.legal-contact a:hover { color: var(--teal); }

@media (max-width: 900px) {
  .legal { grid-template-columns: minmax(0, 1fr); gap: 32px; padding-block: 40px 72px; }
  .legal-toc { position: static; background: var(--soft); border-radius: var(--radius-card); padding: 20px 22px; }
  .legal-body .list-cols { columns: 1; }
  .legal-contact { grid-template-columns: minmax(0, 1fr); }
}