:root {
  --blue-950: #071326;
  --blue-900: #0a1d38;
  --blue-800: #10345c;
  --brand-blue: #156985;
  --brand-red: #ed1c24;
  --red-dark: #bd141a;
  --ink: #111827;
  --text: #4b5565;
  --muted: #6b7280;
  --soft: #f4f8fc;
  --line: #dbe5ef;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(7, 19, 38, 0.11);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

[data-scroll-reveal="true"] {
  opacity: 0;
  transform: translateY(34px);
  transition:
    opacity 700ms ease,
    transform 700ms ease;
  transition-delay: var(--reveal-delay, 0ms);
  will-change: opacity, transform;
}

[data-scroll-reveal="true"].is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  [data-scroll-reveal="true"] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

body {
  margin: 0;
  font-family:
    Inter,
    system-ui,
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    sans-serif;
  color: var(--ink);
  background: var(--white);
}

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

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

button {
  cursor: pointer;
}

.page-header {
  position: fixed;
  top: 0;
  left: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 18px clamp(18px, 4vw, 56px);
  color: var(--white);
  background: rgba(7, 19, 38, 0.82);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(16px);
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: max-content;
}

.brand img {
  width: 168px;
  height: auto;
  flex: 0 0 auto;
}

.brand span {
  display: grid;
  gap: 3px;
}

.brand strong {
  font-size: 16px;
  line-height: 1;
  font-weight: 900;
}

.brand small {
  color: rgba(255, 255, 255, 0.72);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.page-nav {
  display: flex;
  align-items: center;
  gap: clamp(12px, 1.45vw, 22px);
  min-width: 0;
  overflow: visible;
  color: rgba(255, 255, 255, 0.78);
  font-size: 13px;
  font-weight: 700;
  white-space: nowrap;
}

.page-nav::-webkit-scrollbar {
  display: none;
}

.page-nav a {
  position: relative;
  display: inline-flex;
  align-items: center;
  transition: color 180ms ease;
}

.page-nav a:hover,
.page-nav a[aria-current="page"] {
  color: var(--white);
}

.nav-item {
  position: relative;
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
}

.nav-item--dropdown::after {
  position: absolute;
  top: 100%;
  left: -18px;
  width: calc(100% + 36px);
  height: 18px;
  content: "";
}

.nav-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  z-index: 40;
  display: grid;
  min-width: 230px;
  padding: 10px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  background: rgba(7, 19, 38, 0.98);
  box-shadow: 0 24px 70px rgba(0, 0, 0, 0.28);
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, 8px);
  transition:
    opacity 180ms ease,
    transform 180ms ease;
}

.nav-dropdown a {
  display: block;
  padding: 11px 12px;
  border-radius: 6px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 13px;
  font-weight: 800;
}

.nav-dropdown a:hover {
  color: var(--white);
  background: rgba(255, 255, 255, 0.08);
}

.nav-item--dropdown:hover .nav-dropdown,
.nav-item--dropdown:focus-within .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid currentColor;
  border-radius: 999px;
  background: transparent;
  font-weight: 800;
  line-height: 1;
  transition:
    background-color 180ms ease,
    border-color 180ms ease,
    color 180ms ease,
    transform 180ms ease;
}

.header-cta {
  min-height: 44px;
  padding: 0 22px;
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
  white-space: nowrap;
}

.header-cta:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-1px);
}

.button {
  min-height: 52px;
  padding: 0 30px;
  color: var(--blue-950);
}

.button:hover {
  background: rgba(7, 19, 38, 0.06);
  transform: translateY(-1px);
}

.button:focus-visible,
.header-cta:focus-visible {
  outline: 2px solid currentColor;
  outline-offset: 4px;
}

.page-hero .button,
.cta-band .button {
  color: var(--white);
}

.page-hero .button:hover,
.cta-band .button:hover {
  background: rgba(255, 255, 255, 0.1);
}

.page-hero {
  color: var(--white);
  margin-top: 70px;
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.84), rgba(7, 19, 38, 0.78)),
    url("assets/hero-home.png") center 44% / cover no-repeat;
}

.page-mortgage .page-hero {
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.86), rgba(7, 19, 38, 0.68)),
    url("assets/hero-mortgage.jpg") center 54% / cover no-repeat;
}

.page-personal-loan .page-hero {
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.86), rgba(7, 19, 38, 0.68)),
    url("assets/hero-personal-loan.jpg") center 48% / cover no-repeat;
}

.page-debt-consolidation .page-hero {
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.88), rgba(7, 19, 38, 0.72)),
    url("assets/hero-debt-consolidation.jpg") center 50% / cover no-repeat;
}

.page-sme .page-hero {
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.86), rgba(7, 19, 38, 0.66)),
    url("assets/hero-sme.jpg") center 45% / cover no-repeat;
}

.page-refinance .page-hero {
  background:
    linear-gradient(90deg, rgba(7, 19, 38, 0.86), rgba(7, 19, 38, 0.7)),
    url("assets/hero-refinance.jpg") center 50% / cover no-repeat;
}

.page-hero__inner {
  display: flex;
  min-height: clamp(190px, 18vw, 250px);
  flex-direction: column;
  justify-content: center;
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  padding: 42px 0 38px;
}

.page-breadcrumb {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  gap: 12px;
  margin-top: 20px;
  color: rgba(255, 255, 255, 0.9);
  font-size: clamp(15px, 1.25vw, 18px);
  line-height: 1;
  font-weight: 600;
}

.page-breadcrumb a {
  transition: color 180ms ease;
}

.page-breadcrumb a:hover {
  color: var(--white);
}

.page-breadcrumb span[aria-hidden="true"] {
  color: rgba(255, 255, 255, 0.76);
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--brand-red);
  font-size: clamp(17px, 1.35vw, 21px);
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.section .eyebrow,
.split .eyebrow,
.contact-layout .eyebrow,
.calculator-layout .eyebrow,
.faq-list .eyebrow {
  color: var(--brand-red);
}

.page-hero h1 {
  margin: 0;
  font-size: clamp(34px, 4.2vw, 56px);
  line-height: 1.02;
  font-weight: 900;
  letter-spacing: 0;
}

.page-hero__subtitle {
  max-width: 520px;
  margin: 14px 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: clamp(15px, 1.2vw, 17px);
  line-height: 1.5;
  font-weight: 500;
}

.section-title h2,
.split h2 {
  margin: 0;
  font-size: clamp(28px, 3vw, 44px);
  line-height: 1.12;
  font-weight: 900;
  letter-spacing: 0;
}

.section-title h2,
.split h2 {
  font-weight: 900;
}

.section-title .eyebrow,
.split .eyebrow,
.contact-layout .eyebrow,
.calculator-layout .eyebrow,
.faq-list .eyebrow {
  font-size: clamp(17px, 1.35vw, 21px);
  line-height: 1.2;
  letter-spacing: 0.16em;
}

.section,
.split,
.cta-band__inner {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

.section {
  padding: clamp(72px, 8vw, 112px) 0;
}

.section--soft {
  width: 100%;
  max-width: none;
  background: var(--soft);
}

.section--soft > .section {
  padding-top: clamp(72px, 8vw, 112px);
  padding-bottom: clamp(72px, 8vw, 112px);
}

.section-title {
  display: block;
  max-width: 820px;
  margin-bottom: 46px;
  margin-right: auto;
  margin-left: auto;
  text-align: center;
}

.section-title--center {
  display: block;
}

.section-title--center p:last-child {
  margin-top: 18px;
}

.section-title > p:last-child {
  margin-top: 18px;
}

.section-title h2,
.split h2,
.contact-layout h2 {
  color: var(--blue-950);
}

.contact-layout h2 {
  margin: 0;
  font-size: clamp(32px, 3.7vw, 52px);
  line-height: 1.08;
  font-weight: 900;
  letter-spacing: 0;
}

.section-title p,
.split p,
.card p,
.step-card p,
.faq-item p,
.gallery-card p {
  margin: 0;
  color: var(--text);
  font-size: clamp(15px, 1.08vw, 16px);
  line-height: 1.66;
  font-weight: 500;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child) {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

.card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child) > .card {
  grid-column: span 2;
}

.card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child) > .card:nth-child(4) {
  grid-column: 2 / span 2;
}

.card-grid--six {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card-grid--four {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card,
.step-card,
.faq-item,
.contact-form,
.calculator,
.gallery-card,
.document-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.card,
.step-card,
.faq-item,
.gallery-card,
.document-card {
  display: block;
  padding: 28px;
  transition:
    border-color 180ms ease,
    transform 180ms ease;
}

.card:hover,
.step-card:hover,
.gallery-card:hover,
.document-card:hover {
  border-color: rgba(21, 105, 133, 0.32);
  transform: translateY(-4px);
}

.card--accent {
  color: inherit;
  background: var(--white);
}

.card-number {
  display: inline-grid;
  width: 44px;
  height: 44px;
  place-items: center;
  margin-bottom: 44px;
  border-radius: 50%;
  color: var(--white);
  background: var(--brand-blue);
  font-size: 13px;
  font-weight: 900;
}

.card-icon {
  display: inline-grid;
  width: 44px;
  height: 44px;
  flex: 0 0 44px;
  place-items: center;
  margin-bottom: 44px;
  border-radius: 50%;
  color: var(--white);
  background: var(--brand-blue);
  overflow: hidden;
  line-height: 1;
}

.card-icon::before {
  display: block;
  width: 23px;
  height: 23px;
  content: "";
  background: currentColor;
  -webkit-mask-position: center;
  -webkit-mask-repeat: no-repeat;
  -webkit-mask-size: contain;
  mask-position: center;
  mask-repeat: no-repeat;
  mask-size: contain;
}

.card-icon--home::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.card-icon--refinance::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 10a7 7 0 0 1 12.3-4.55L19 7M19 7h-5M19 7V2M19 14a7 7 0 0 1-12.3 4.55L5 17M5 17h5M5 17v5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 10a7 7 0 0 1 12.3-4.55L19 7M19 7h-5M19 7V2M19 14a7 7 0 0 1-12.3 4.55L5 17M5 17h5M5 17v5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.card-icon--personal::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 11a4 4 0 1 0 0-8 4 4 0 0 0 0 8ZM4.5 21a7.5 7.5 0 0 1 15 0' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 11a4 4 0 1 0 0-8 4 4 0 0 0 0 8ZM4.5 21a7.5 7.5 0 0 1 15 0' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.card-icon--business::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V4h14v17M3 21h18M9 8h2M13 8h2M9 12h2M13 12h2M9 16h2M13 16h2' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V4h14v17M3 21h18M9 8h2M13 8h2M9 12h2M13 12h2M9 16h2M13 16h2' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.card-icon--debt::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.card h3,
.step-card h3,
.gallery-card h3 {
  margin: 0 0 12px;
  color: var(--blue-950);
  font-size: 23px;
  line-height: 1.16;
  font-weight: 900;
}

.card--accent h3,
.card--accent p {
  color: inherit;
}

.card--accent h3 {
  color: var(--blue-950);
}

.card--accent p {
  color: var(--text);
}

.document-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.document-card {
  min-height: 360px;
}

.document-card--accent {
  color: inherit;
  background: var(--white);
}

.document-card h3 {
  margin: 0 0 20px;
  color: var(--blue-950);
  font-size: 26px;
  line-height: 1.16;
  font-weight: 900;
}

.document-card--accent h3 {
  color: var(--blue-950);
}

.document-card--accent .detail-list li {
  color: var(--text);
}

.audience-section {
  padding-top: 0;
}

.audience-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.audience-card {
  display: grid;
  min-height: 190px;
  align-content: space-between;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
  transition:
    border-color 180ms ease,
    transform 180ms ease;
}

.audience-card:hover {
  border-color: rgba(21, 105, 133, 0.32);
  transform: translateY(-4px);
}

.audience-card--accent {
  color: inherit;
  background: var(--white);
}

.audience-card span {
  display: inline-grid;
  width: 56px;
  height: 56px;
  place-items: center;
  margin-bottom: 34px;
  border-radius: 50%;
  background: var(--brand-blue);
  color: var(--white);
}

.audience-card--accent span {
  background: var(--brand-blue);
  color: var(--white);
}

.audience-icon::before {
  display: block;
  width: 28px;
  height: 28px;
  content: "";
  background: currentColor;
  -webkit-mask-position: center;
  -webkit-mask-repeat: no-repeat;
  -webkit-mask-size: contain;
  mask-position: center;
  mask-repeat: no-repeat;
  mask-size: contain;
}

.audience-icon--home::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-icon--employee::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 11a4 4 0 1 0 0-8 4 4 0 0 0 0 8ZM4.5 21a7.5 7.5 0 0 1 15 0M9 14.5l3 3 3-3' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 11a4 4 0 1 0 0-8 4 4 0 0 0 0 8ZM4.5 21a7.5 7.5 0 0 1 15 0M9 14.5l3 3 3-3' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-icon--self-employed::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v10H4zM8 20h8M10 16.5v3.5M14 16.5v3.5M8 10.5h3M13 10.5h3M8 13.5h8' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v10H4zM8 20h8M10 16.5v3.5M14 16.5v3.5M8 10.5h3M13 10.5h3M8 13.5h8' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-icon--refinance::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 10a7 7 0 0 1 12.3-4.55L19 7M19 7h-5M19 7V2M19 14a7 7 0 0 1-12.3 4.55L5 17M5 17h5M5 17v5' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 10a7 7 0 0 1 12.3-4.55L19 7M19 7h-5M19 7V2M19 14a7 7 0 0 1-12.3 4.55L5 17M5 17h5M5 17v5' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-icon--debt::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-icon--business::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V4h14v17M3 21h18M9 8h2M13 8h2M9 12h2M13 12h2M9 16h2M13 16h2' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V4h14v17M3 21h18M9 8h2M13 8h2M9 12h2M13 12h2M9 16h2M13 16h2' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.audience-card h3 {
  margin: 0;
  color: var(--blue-950);
  font-size: 24px;
  line-height: 1.15;
  font-weight: 900;
}

.audience-card--accent h3 {
  color: var(--blue-950);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(0, 1fr);
  gap: clamp(34px, 7vw, 92px);
  align-items: center;
  padding: clamp(72px, 8vw, 112px) 0;
}

.check-list,
.detail-list {
  display: grid;
  gap: 14px;
  padding: 0;
  margin: 28px 0 0;
  list-style: none;
}

.check-list li,
.detail-list li {
  position: relative;
  padding-left: 28px;
  color: var(--text);
  font-weight: 700;
  line-height: 1.5;
}

.check-list li::before,
.detail-list li::before {
  position: absolute;
  top: 0.48em;
  left: 0;
  width: 10px;
  height: 10px;
  content: "";
  border-radius: 50%;
  background: var(--brand-red);
  box-shadow: 0 0 0 5px rgba(237, 28, 36, 0.12);
}

.visual-panel {
  min-height: 430px;
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(7, 19, 38, 0.12), rgba(21, 105, 133, 0.12)),
    url("assets/hero-kuala-lumpur.png") center / cover no-repeat;
  box-shadow: var(--shadow);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.step-card span {
  display: inline-grid;
  width: 44px;
  height: 44px;
  place-items: center;
  margin-bottom: 36px;
  border-radius: 50%;
  color: var(--white);
  background: var(--brand-blue);
  font-weight: 900;
}

.calculator-layout,
.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(320px, 0.68fr);
  gap: 24px;
  align-items: start;
}

.contact-page .contact-layout {
  grid-template-columns: minmax(0, 0.82fr) minmax(360px, 0.68fr);
  gap: clamp(28px, 5vw, 70px);
  width: min(1180px, calc(100% - 48px));
}

.calculator,
.contact-form {
  padding: 28px;
}

.contact-page .contact-form {
  gap: 18px;
  padding: clamp(28px, 4vw, 42px);
  min-width: 0;
}

.contact-page .contact-form .button {
  width: 100%;
  margin-top: 6px;
}

.contact-page .contact-form > div h2 {
  margin: 0;
  color: var(--blue-950);
  font-size: clamp(26px, 3vw, 38px);
  line-height: 1.08;
}

.contact-page .contact-form label {
  gap: 13px;
  color: var(--blue-950);
  font-size: 15px;
  line-height: 1.25;
  font-weight: 900;
}

.contact-page .contact-form label span {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
}

.contact-page .contact-form label em {
  color: var(--brand-red);
  font-style: normal;
}

.contact-page .contact-form input,
.contact-page .contact-form select {
  height: 52px;
  line-height: 1.2;
  background: #fbfdff;
  appearance: none;
}

.contact-page .contact-form input,
.contact-page .contact-form select,
.contact-page .contact-form textarea {
  width: 100%;
  min-width: 0;
}

.calculator {
  display: grid;
}

.contact-info {
  padding: clamp(28px, 4vw, 42px);
  min-width: 0;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff, var(--soft));
  box-shadow: var(--shadow);
}

.contact-info > p {
  max-width: 660px;
  margin: 18px 0 0;
  color: var(--text);
  font-size: 17px;
  line-height: 1.7;
  font-weight: 500;
}

.contact-details {
  display: grid;
  gap: 16px;
  margin-top: 34px;
}

.contact-details article {
  padding: 20px;
  border: 1px solid rgba(21, 105, 133, 0.14);
  border-radius: 8px;
  background: var(--white);
}

.contact-details span {
  display: block;
  margin-bottom: 8px;
  color: var(--brand-red);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.contact-details a,
.contact-details strong {
  color: var(--blue-950);
  font-size: 16px;
  line-height: 1.55;
  font-weight: 700;
  overflow-wrap: anywhere;
}

.contact-page textarea {
  min-height: 138px;
  resize: vertical;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.calculator .field-grid {
  gap: 14px;
}

label {
  display: grid;
  gap: 8px;
  color: var(--blue-950);
  font-size: 13px;
  font-weight: 900;
}

.calculator label {
  min-height: 118px;
  align-content: start;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdff;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 13px 14px;
  color: var(--ink);
  background: #fbfdff;
  outline: none;
}

.calculator input,
.calculator select {
  height: 48px;
  margin-top: auto;
  background: var(--white);
}

.calculator__button {
  justify-self: start;
  min-height: 44px;
  margin-top: 28px;
  padding: 0 20px;
  font-size: 14px;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 4px rgba(21, 105, 133, 0.12);
}

.result-panel {
  padding: 30px;
  border-radius: 8px;
  color: var(--white);
  background: linear-gradient(135deg, var(--blue-950), var(--brand-blue));
  box-shadow: var(--shadow);
}

.result-panel span {
  color: rgba(255, 255, 255, 0.72);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.result-panel strong {
  display: block;
  margin: 12px 0;
  font-size: clamp(34px, 4vw, 56px);
  line-height: 1;
}

.result-panel p {
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.65;
}

.debt-showcase {
  padding: clamp(24px, 4vw, 38px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(180deg, rgba(247, 250, 253, 0.66), rgba(255, 255, 255, 0.98) 30%),
    var(--white);
  box-shadow: 0 22px 64px rgba(7, 19, 38, 0.07);
}

.debt-showcase__title {
  max-width: 560px;
  margin: 0 auto 24px;
  text-align: center;
}

.debt-showcase__title h3 {
  margin: 0;
  color: var(--blue-950);
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1;
  font-weight: 900;
}

.debt-showcase__title p:not(.eyebrow) {
  margin: 10px 0 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.45;
  font-weight: 500;
}

.debt-example {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 58px minmax(0, 1fr);
  gap: 18px;
  align-items: center;
}

.debt-example--professional {
  grid-template-columns: minmax(0, 1fr) 210px minmax(0, 1fr);
  align-items: center;
  gap: 28px;
}

.debt-card {
  min-height: 100%;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 28px rgba(7, 19, 38, 0.04);
}

.debt-card--accent {
  color: inherit;
  border-color: rgba(42, 157, 91, 0.28);
  background:
    linear-gradient(135deg, rgba(42, 157, 91, 0.08), rgba(255, 255, 255, 0.96) 44%),
    var(--white);
}

.debt-card__head {
  display: block;
  margin-bottom: 18px;
}

.debt-card h3 {
  margin: 0;
  color: var(--blue-950);
  font-size: clamp(18px, 1.75vw, 22px);
  line-height: 1.12;
}

.debt-card--accent h3,
.debt-card--accent .eyebrow {
  color: var(--blue-950);
}

.debt-card .eyebrow {
  margin-bottom: 8px;
  font-size: 11px;
  letter-spacing: 0.2em;
}

.debt-card:not(.debt-card--accent) .eyebrow {
  color: var(--brand-red);
}

.debt-card--accent .eyebrow {
  color: #2a9d5b;
}

.debt-table {
  display: grid;
  gap: 12px;
}

.debt-table--detailed {
  gap: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.debt-table div,
.debt-result,
.debt-savings {
  padding: 13px 14px;
  border-radius: 8px;
  background: var(--soft);
}

.debt-table div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.debt-table div:not(.debt-table__header) span:first-child {
  display: inline-flex;
  align-items: center;
  gap: 9px;
}

.debt-table div:not(.debt-table__header) span:first-child::before {
  display: inline-grid;
  width: 22px;
  height: 22px;
  flex: 0 0 22px;
  place-items: center;
  border-radius: 50%;
  color: var(--brand-red);
  background: rgba(237, 28, 36, 0.1);
  content: "";
}

.debt-table--detailed div {
  border-radius: 0;
  border-bottom: 1px solid var(--line);
}

.debt-table--detailed div:last-child {
  border-bottom: 0;
}

.debt-table__header {
  background: var(--white) !important;
}

.debt-table__header span {
  color: var(--muted) !important;
  font-size: 10px !important;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.debt-table span,
.debt-result span,
.debt-savings span {
  color: var(--text);
  font-size: 12px;
  font-weight: 800;
}

.debt-table strong {
  color: var(--blue-950);
  font-size: 15px;
  font-weight: 900;
  white-space: nowrap;
}

.debt-total {
  background: rgba(237, 28, 36, 0.1) !important;
}

.debt-total strong {
  color: var(--brand-red);
}

.debt-status {
  display: none;
  align-items: center;
  min-height: 30px;
  padding: 0 10px;
  border-radius: 999px;
  color: #2a9d5b;
  background: rgba(42, 157, 91, 0.1);
  font-size: 11px;
  font-weight: 900;
  white-space: nowrap;
}

.debt-status--warning {
  color: var(--brand-red);
  background: rgba(237, 28, 36, 0.1);
}

.debt-impact {
  position: relative;
  display: grid;
  align-content: center;
  justify-self: center;
  width: 210px;
  min-height: 210px;
  padding: 26px;
  border-radius: 50%;
  color: var(--blue-950);
  background:
    radial-gradient(circle at 50% 38%, rgba(237, 28, 36, 0.1), rgba(237, 28, 36, 0.04) 62%, rgba(237, 28, 36, 0.02)),
    #fff6f2;
  text-align: center;
}

.debt-impact::before,
.debt-impact::after {
  position: absolute;
  top: 50%;
  color: var(--blue-950);
  content: "→";
  font-size: 24px;
  line-height: 1;
  font-weight: 900;
  transform: translateY(-50%);
}

.debt-impact::before {
  left: -24px;
}

.debt-impact::after {
  right: -24px;
}

.debt-impact span {
  color: var(--text);
  font-size: 10px;
  font-weight: 900;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.debt-impact__icon {
  display: inline-grid;
  width: 42px;
  height: 42px;
  place-self: center;
  place-items: center;
  margin-bottom: 10px;
  border-radius: 50%;
  color: var(--brand-red) !important;
  background: rgba(237, 28, 36, 0.08);
}

.debt-impact__icon::before {
  display: block;
  width: 23px;
  height: 23px;
  content: "";
  background: currentColor;
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M7 7l10 10M17 17v-5M17 17h-5M17 7 7 17M7 17v-5M7 17h5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  -webkit-mask-position: center;
  -webkit-mask-repeat: no-repeat;
  -webkit-mask-size: contain;
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M7 7l10 10M17 17v-5M17 17h-5M17 7 7 17M7 17v-5M7 17h5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-position: center;
  mask-repeat: no-repeat;
  mask-size: contain;
}

.debt-impact strong {
  display: block;
  margin: 8px 0 8px;
  color: var(--brand-red);
  font-size: clamp(30px, 3.4vw, 42px);
  line-height: 1;
  font-weight: 900;
}

.debt-impact p {
  margin: 0;
  color: var(--text);
  font-size: 10px;
  line-height: 1.35;
  font-weight: 700;
}

.refinance-example {
  padding: clamp(30px, 5vw, 54px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(180deg, rgba(247, 250, 253, 0.82), rgba(255, 255, 255, 0.98) 34%),
    var(--white);
  box-shadow: 0 24px 70px rgba(7, 19, 38, 0.08);
}

.refinance-example__top {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.48fr);
  gap: clamp(24px, 5vw, 76px);
  align-items: start;
  margin-bottom: 34px;
}

.refinance-example__top h2 {
  margin: 0;
  color: var(--blue-950);
  font-size: clamp(38px, 5vw, 64px);
  line-height: 0.98;
}

.refinance-example__top p:not(.eyebrow),
.refinance-property-card p,
.refinance-note {
  margin: 16px 0 0;
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  font-weight: 500;
}

.refinance-property-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 24px;
  border: 1px solid rgba(221, 228, 237, 0.74);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.78);
  box-shadow: 0 16px 42px rgba(7, 19, 38, 0.06);
}

.refinance-property-card span:not(.refinance-icon),
.refinance-property-card p {
  display: block;
  margin: 0;
  color: var(--text);
  font-weight: 600;
}

.refinance-property-card strong {
  display: block;
  margin: 6px 0;
  color: var(--blue-950);
  font-size: clamp(24px, 3vw, 34px);
  line-height: 1;
  font-weight: 900;
}

.refinance-formula {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 24px minmax(0, 1fr) 24px minmax(0, 1fr) 24px minmax(0, 1.08fr);
  gap: 14px;
  align-items: center;
}

.refinance-metric {
  display: grid;
  min-height: 226px;
  align-content: center;
  justify-items: center;
  padding: 26px 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 28px rgba(7, 19, 38, 0.04);
  text-align: center;
}

.refinance-metric--highlight {
  border-color: rgba(237, 28, 36, 0.78);
  box-shadow: 0 18px 44px rgba(237, 28, 36, 0.1);
}

.refinance-metric h3 {
  min-height: 2.5em;
  margin: 16px 0 14px;
  color: var(--blue-950);
  font-size: 13px;
  line-height: 1.25;
  font-weight: 900;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.refinance-metric strong {
  display: block;
  width: 100%;
  padding-top: 16px;
  border-top: 1px solid var(--line);
  color: var(--blue-950);
  font-size: clamp(22px, 2.2vw, 30px);
  line-height: 1;
  font-weight: 900;
}

.refinance-metric--highlight strong {
  color: var(--brand-red);
}

.refinance-operator {
  justify-self: center;
  color: var(--blue-950);
  font-size: 28px;
  line-height: 1;
  font-weight: 900;
}

.refinance-uses {
  margin-top: 34px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
  text-align: center;
}

.refinance-uses h3 {
  margin: 0 0 22px;
  color: var(--blue-950);
  font-size: 20px;
  line-height: 1.2;
  font-weight: 900;
}

.refinance-use-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 18px;
}

.refinance-use-grid article {
  display: grid;
  justify-items: center;
  gap: 12px;
}

.refinance-use-grid p {
  margin: 0;
  color: var(--blue-950);
  font-size: 14px;
  line-height: 1.25;
  font-weight: 800;
}

.refinance-note {
  margin-top: 28px;
  padding: 16px 18px;
  border: 1px solid rgba(221, 228, 237, 0.74);
  border-radius: 8px;
  background: rgba(247, 250, 253, 0.9);
}

.refinance-icon {
  display: inline-grid;
  width: 54px;
  height: 54px;
  flex: 0 0 54px;
  place-items: center;
  border-radius: 50%;
  color: var(--blue-950);
  background: rgba(7, 19, 38, 0.045);
}

.refinance-icon::before {
  display: block;
  width: 28px;
  height: 28px;
  content: "";
  background: currentColor;
  -webkit-mask-position: center;
  -webkit-mask-repeat: no-repeat;
  -webkit-mask-size: contain;
  mask-position: center;
  mask-repeat: no-repeat;
  mask-size: contain;
}

.refinance-metric--highlight .refinance-icon {
  color: var(--brand-red);
}

.refinance-icon--home::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 10.5 12 3l9 7.5M5.5 9.5V21h13V9.5M9 21v-6h6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--document::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M6 3h8l4 4v14H6zM14 3v5h4M9 12h6M9 16h5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M6 3h8l4 4v14H6zM14 3v5h4M9 12h6M9 16h5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--bank::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 21h18M5 18h14M6 10h12M4 8l8-5 8 5M7 18v-8M12 18v-8M17 18v-8' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 21h18M5 18h14M6 10h12M4 8l8-5 8 5M7 18v-8M12 18v-8M17 18v-8' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--cash::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 7h18v10H3zM7 12h.01M17 12h.01M12 15a3 3 0 1 0 0-6 3 3 0 0 0 0 6Z' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3 7h18v10H3zM7 12h.01M17 12h.01M12 15a3 3 0 1 0 0-6 3 3 0 0 0 0 6Z' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--renovation::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6h12a3 3 0 0 1 0 6H9v8M9 12H4zM16 6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6h12a3 3 0 0 1 0 6H9v8M9 12H4zM16 6v6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--business::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V7h14v14M3 21h18M8 7V4h8v3M9 12h2M13 12h2M9 16h6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 21V7h14v14M3 21h18M8 7V4h8v3M9 12h2M13 12h2M9 16h6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--card::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M4 6.5h16v11H4zM4 10h16M8 14h4M15.5 14h1.5' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--education::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='m3 8.5 9-4 9 4-9 4zM6 11v4.5c1.5 1.4 3.5 2 6 2s4.5-.6 6-2V11' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='m3 8.5 9-4 9 4-9 4zM6 11v4.5c1.5 1.4 3.5 2 6 2s4.5-.6 6-2V11' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.refinance-icon--shield::before {
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 21s7-3.5 7-10V5l-7-2-7 2v6c0 6.5 7 10 7 10ZM12 8v6M9 11h6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 21s7-3.5 7-10V5l-7-2-7 2v6c0 6.5 7 10 7 10ZM12 8v6M9 11h6' fill='none' stroke='black' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.debt-insights {
  display: grid;
  gap: 8px;
  padding: 0;
  margin: 18px 0 0;
  list-style: none;
}

.debt-insights li {
  position: relative;
  padding-left: 20px;
  color: var(--text);
  font-size: 12px;
  font-weight: 700;
  line-height: 1.38;
}

.debt-insights li::before {
  position: absolute;
  top: 0.12em;
  left: 0;
  display: inline-grid;
  width: 13px;
  height: 13px;
  place-items: center;
  content: "";
  border-radius: 50%;
  color: var(--brand-red);
  background: var(--brand-red);
  font-size: 10px;
  line-height: 1;
}

.debt-insights:not(.debt-insights--light) li::before {
  content: "×";
  background: rgba(237, 28, 36, 0.1);
}

.debt-insights--light li::before {
  content: "✓";
  color: #2a9d5b;
  background: rgba(42, 157, 91, 0.12);
}

.debt-insights--light li {
  color: var(--text);
}

.debt-insights--light li::before {
  box-shadow: 0 0 0 4px rgba(42, 157, 91, 0.1);
}

.debt-result,
.debt-savings {
  background: rgba(42, 157, 91, 0.08);
}

.debt-result {
  margin-bottom: 14px;
}

.debt-result span,
.debt-savings span {
  display: block;
  color: var(--text);
}

.debt-result strong {
  display: block;
  margin-top: 8px;
  color: #168447;
  font-size: clamp(27px, 3.2vw, 38px);
  line-height: 1;
  font-weight: 900;
}

.debt-savings strong {
  display: block;
  margin: 8px 0;
  color: #168447;
  font-size: clamp(21px, 2.4vw, 28px);
  line-height: 1;
  font-weight: 900;
}

.debt-savings p {
  margin: 0;
  color: #168447;
  font-size: 12px;
  font-weight: 800;
}

.debt-use-panel {
  position: relative;
  margin-top: 24px;
  padding: 26px 24px 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.74);
  text-align: center;
}

.debt-use-panel h3 {
  display: inline-block;
  margin: 0 0 18px;
  padding: 0 20px;
  color: var(--blue-950);
  background: var(--white);
  font-size: 17px;
  line-height: 1.2;
  font-weight: 900;
}

.debt-use-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
}

.debt-use-grid article {
  display: grid;
  justify-items: center;
  gap: 9px;
  padding: 0 16px;
  border-left: 1px solid var(--line);
}

.debt-use-grid article:first-child {
  border-left: 0;
}

.debt-use-grid .refinance-icon {
  width: 44px;
  height: 44px;
  flex-basis: 44px;
}

.debt-use-grid .refinance-icon::before {
  width: 23px;
  height: 23px;
}

.debt-use-grid p {
  max-width: 120px;
  margin: 0;
  color: var(--blue-950);
  font-size: 11px;
  line-height: 1.25;
  font-weight: 800;
}

.debt-note {
  max-width: none;
  margin: 14px 0 0;
  padding: 12px 14px;
  border: 1px solid rgba(221, 228, 237, 0.74);
  border-radius: 8px;
  background: rgba(247, 250, 253, 0.9);
  color: var(--muted);
  font-size: 11px;
  line-height: 1.5;
  text-align: left;
}

.gallery-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.gallery-image {
  min-height: 230px;
  margin: -28px -28px 24px;
  border-radius: 8px 8px 0 0;
  background:
    linear-gradient(135deg, rgba(7, 19, 38, 0.18), rgba(21, 105, 133, 0.2)),
    url("assets/hero-kuala-lumpur.png") center / cover no-repeat;
}

.gallery-card:nth-child(2) .gallery-image {
  background-position: 42% center;
}

.gallery-card:nth-child(3) .gallery-image {
  background-position: right center;
}

.faq-list {
  display: grid;
  gap: 14px;
}

.faq-item {
  box-shadow: none;
}

.faq-item summary {
  color: var(--blue-950);
  cursor: pointer;
  font-size: 18px;
  font-weight: 900;
}

.faq-item p {
  margin-top: 14px;
}

.cta-band {
  color: var(--white);
  background: linear-gradient(135deg, var(--blue-950), var(--blue-800));
}

.cta-band__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 42px 0;
}

.cta-band h2 {
  margin: 0;
  font-size: clamp(26px, 3vw, 40px);
  line-height: 1.1;
}

.cta-band p {
  margin: 10px 0 0;
  color: rgba(255, 255, 255, 0.72);
}

.footer {
  color: rgba(255, 255, 255, 0.72);
  background: var(--blue-950);
}

.footer__inner {
  display: grid;
  grid-template-columns: minmax(280px, 1.3fr) minmax(150px, 0.55fr) minmax(220px, 0.8fr);
  gap: clamp(28px, 5vw, 70px);
  align-items: start;
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  padding: clamp(52px, 6vw, 78px) 0 28px;
}

.footer__inner--full {
  grid-template-areas:
    "about links contact"
    "disclaimer disclaimer disclaimer"
    "bottom bottom bottom";
}

.footer-about {
  grid-area: about;
}

.footer-links {
  grid-area: links;
}

.footer-contact {
  grid-area: contact;
}

.footer-disclaimer {
  grid-area: disclaimer;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-bottom {
  grid-area: bottom;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-logo img {
  width: 190px;
}

.footer h2 {
  margin: 0 0 16px;
  color: var(--white);
  font-size: 18px;
  line-height: 1.2;
  font-weight: 900;
}

.footer p,
.footer a,
.footer-contact span {
  color: rgba(255, 255, 255, 0.72);
  font-size: 15px;
  line-height: 1.68;
  font-weight: 500;
}

.footer p {
  margin: 18px 0 0;
}

.footer-links,
.footer-contact {
  display: grid;
  align-content: start;
  gap: 10px;
}

.footer-links a,
.footer-contact a,
.footer-contact span {
  transition: color 180ms ease;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: var(--white);
}

.footer span {
  font-size: 14px;
}

.footer-bottom span {
  color: rgba(255, 255, 255, 0.58);
}

.whatsapp-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 70;
  display: inline-grid;
  width: 58px;
  height: 58px;
  place-items: center;
  color: #ffffff;
  background: #25d366;
  border-radius: 50%;
  box-shadow: 0 18px 42px rgba(7, 19, 38, 0.24);
  transition: box-shadow 180ms ease, transform 180ms ease;
}

.whatsapp-float::before {
  position: absolute;
  inset: -8px;
  content: "";
  border: 1px solid rgba(37, 211, 102, 0.5);
  border-radius: 50%;
  animation: whatsappPulse 12s ease-out infinite;
}

.whatsapp-float:hover {
  box-shadow: 0 22px 52px rgba(7, 19, 38, 0.3);
  transform: translateY(-2px) scale(1.04);
}

.whatsapp-float:focus-visible {
  outline: 3px solid rgba(37, 211, 102, 0.35);
  outline-offset: 4px;
}

.whatsapp-float svg {
  width: 34px;
  height: 34px;
  fill: currentColor;
}

.whatsapp-float__tip {
  position: absolute;
  right: 72px;
  bottom: 8px;
  width: max-content;
  max-width: 220px;
  padding: 11px 14px;
  color: #071326;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.35;
  text-align: left;
  pointer-events: none;
  background: #ffffff;
  border: 1px solid rgba(7, 19, 38, 0.1);
  border-radius: 999px;
  box-shadow: 0 16px 40px rgba(7, 19, 38, 0.18);
  opacity: 0;
  transform: translateX(8px);
  animation: whatsappTip 12s ease-in-out infinite;
}

.whatsapp-float__tip::after {
  position: absolute;
  right: -6px;
  bottom: 18px;
  width: 12px;
  height: 12px;
  content: "";
  background: #ffffff;
  border-top: 1px solid rgba(7, 19, 38, 0.1);
  border-right: 1px solid rgba(7, 19, 38, 0.1);
  transform: rotate(45deg);
}

.whatsapp-float:hover .whatsapp-float__tip,
.whatsapp-float:focus-visible .whatsapp-float__tip {
  opacity: 1;
  transform: translateX(0);
  animation-play-state: paused;
}

@keyframes whatsappTip {
  0%,
  52%,
  100% {
    opacity: 0;
    transform: translateX(8px);
  }

  8%,
  34% {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes whatsappPulse {
  0%,
  52%,
  100% {
    opacity: 0;
    transform: scale(0.92);
  }

  8% {
    opacity: 0.8;
    transform: scale(0.92);
  }

  34% {
    opacity: 0;
    transform: scale(1.25);
  }
}

@media (max-width: 1080px) and (min-width: 901px) {
  .contact-page .contact-layout {
    grid-template-columns: minmax(0, 0.9fr) minmax(320px, 0.72fr);
    gap: 28px;
  }

  .contact-info,
  .contact-page .contact-form {
    padding: 30px;
  }

  .contact-layout h2 {
    font-size: clamp(34px, 4.2vw, 44px);
  }

  .contact-page .contact-form > div h2 {
    font-size: clamp(28px, 3.4vw, 34px);
  }
}

@media (max-width: 900px) {
  .page-hero__inner,
  .section-title,
  .split,
  .calculator-layout,
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .contact-page .contact-layout {
    width: min(100% - 48px, 720px);
    grid-template-columns: minmax(0, 1fr);
    gap: 26px;
  }

  .contact-info,
  .contact-page .contact-form {
    width: 100%;
    min-width: 0;
  }

  .contact-page .contact-form {
    order: 1;
  }

  .contact-info {
    order: 2;
  }

  .contact-details {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .card-grid,
  .audience-grid,
  .steps-grid,
  .document-grid,
  .gallery-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child) {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child)
    > .card,
  .card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child)
    > .card:nth-child(4) {
    grid-column: auto;
  }

  .debt-example {
    grid-template-columns: 1fr;
  }

  .debt-use-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .refinance-example__top,
  .refinance-formula,
  .refinance-use-grid {
    grid-template-columns: 1fr;
  }

  .refinance-operator {
    justify-self: center;
    transform: rotate(90deg);
  }

  .debt-impact {
    min-height: auto;
  }

  .footer__inner,
  .cta-band__inner {
    grid-template-columns: 1fr;
    display: grid;
  }

  .footer__inner--full {
    grid-template-areas:
      "about"
      "links"
      "contact"
      "disclaimer"
      "bottom";
  }

  body:has(.contact-page) .whatsapp-float {
    display: none;
  }

  body:has(.contact-page) .contact-info[data-scroll-reveal="true"] {
    opacity: 1;
    transform: none;
  }
}

@media (max-width: 620px) {
  .page-header {
    padding: 14px 16px;
  }

  .brand img {
    width: 126px;
  }

  .brand small,
  .header-cta {
    display: none;
  }

  .page-nav {
    flex: 1;
    overflow-x: auto;
    overflow-y: visible;
    scrollbar-width: none;
  }

  .nav-item {
    position: static;
  }

  .nav-item--dropdown::after {
    display: none;
  }

  .nav-dropdown {
    left: 16px;
    right: 16px;
    min-width: 0;
    transform: translateY(8px);
  }

  .nav-item--dropdown:hover .nav-dropdown,
  .nav-item--dropdown:focus-within .nav-dropdown {
    transform: translateY(0);
  }

  .page-hero__inner,
  .section,
  .split,
  .cta-band__inner,
  .footer__inner {
    width: min(100% - 32px, 1180px);
  }

  .page-hero__inner {
    min-height: 190px;
    padding: 34px 0 30px;
  }

  .page-breadcrumb {
    margin-top: 14px;
    font-size: 14px;
  }

  .page-hero h1 {
    font-size: clamp(32px, 10vw, 44px);
  }

  .contact-page {
    padding-top: 40px;
    padding-bottom: 72px;
  }

  .contact-page .contact-layout {
    width: min(100% - 32px, 560px);
    gap: 18px;
  }

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

  .contact-layout h2,
  .contact-page .contact-form > div h2 {
    font-size: clamp(26px, 7.5vw, 32px);
    line-height: 1.12;
  }

  .contact-info > p {
    font-size: 15px;
    line-height: 1.6;
  }

  .contact-details {
    grid-template-columns: 1fr;
    gap: 12px;
    margin-top: 24px;
  }

  .contact-details article {
    padding: 16px;
  }

  .contact-page .contact-form label {
    font-size: 14px;
  }

  .contact-page .contact-form input,
  .contact-page .contact-form select {
    height: 48px;
  }

  .contact-page textarea {
    min-height: 124px;
  }

  .contact-page .contact-form .button {
    min-height: 50px;
    padding: 0 22px;
  }

  .section-title h2,
  .split h2 {
    font-size: clamp(28px, 8vw, 38px);
  }

  .section-title .eyebrow,
  .split .eyebrow,
  .contact-layout .eyebrow,
  .calculator-layout .eyebrow,
  .faq-list .eyebrow {
    font-size: clamp(16px, 4.5vw, 19px);
  }

  .whatsapp-float {
    right: 16px;
    bottom: 16px;
    width: 54px;
    height: 54px;
  }

  .whatsapp-float svg {
    width: 31px;
    height: 31px;
  }

  .whatsapp-float__tip {
    display: none;
  }

  .card-grid,
  .audience-grid,
  .steps-grid,
  .document-grid,
  .debt-example,
  .gallery-grid,
  .field-grid {
    grid-template-columns: 1fr;
  }

  .card-grid:not(.card-grid--four):not(.card-grid--six):has(> :nth-child(5):last-child) {
    grid-template-columns: 1fr;
  }

  .card,
  .audience-card,
  .step-card,
  .faq-item,
  .contact-form,
  .calculator,
  .document-card,
  .debt-showcase,
  .debt-card,
  .refinance-example,
  .refinance-metric,
  .gallery-card {
    padding: 24px;
  }

  .debt-card__head {
    display: grid;
  }

  .debt-table div {
    align-items: flex-start;
    flex-direction: column;
  }

  .debt-use-grid {
    grid-template-columns: 1fr;
  }

  .gallery-image {
    margin: -24px -24px 22px;
  }
}