:root {
  --color-ink: #10264d;
  --color-ink-2: #29456f;
  --color-muted: #637491;
  --color-line: #d7e4f7;
  --color-surface: #ffffff;
  --color-soft: #f3f8ff;
  --color-deep: #174ea6;
  --color-green: #1557bf;
  --color-green-dark: #0b3f8a;
  --color-gold: #d39b16;
  --color-sky: #e8f3ff;
  --shadow: 0 18px 45px rgba(21, 87, 191, 0.13);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
}

body {
  margin: 0;
  color: var(--color-ink);
  background: #ffffff;
  font-family: "Overpass", Arial, sans-serif;
  line-height: 1.55;
}

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

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

[id] {
  scroll-margin-top: 96px;
}

button,
input {
  font: inherit;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -60px;
  z-index: 20;
  background: var(--color-green);
  color: #fff;
  padding: 10px 14px;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 16px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.section-inner {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  background: var(--color-deep);
  color: rgba(255, 255, 255, 0.86);
  font-size: 14px;
}

.topbar__inner {
  width: min(var(--max), calc(100% - 40px));
  min-height: 40px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.topbar__links {
  display: flex;
  align-items: center;
  gap: 18px;
  white-space: nowrap;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(223, 229, 238, 0.82);
  backdrop-filter: blur(12px);
}

.site-header__inner {
  width: min(var(--max), calc(100% - 40px));
  min-height: 76px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
}

.brand img {
  width: 142px;
  height: auto;
  filter: brightness(0) saturate(100%) invert(12%) sepia(42%) saturate(977%) hue-rotate(170deg) brightness(92%) contrast(92%);
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  color: var(--color-ink-2);
  font-size: 15px;
  font-weight: 700;
}

.site-nav a {
  position: relative;
  padding: 8px 0;
}

.site-nav a::after {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 2px;
  height: 2px;
  content: "";
  background: var(--color-green);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms ease;
}

.site-nav a:hover::after,
.site-nav a:focus-visible::after {
  transform: scaleX(1);
}

.site-nav a[aria-current="page"] {
  color: var(--color-green);
}

.site-nav a[aria-current="page"]::after {
  transform: scaleX(1);
}

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

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-weight: 800;
  line-height: 1;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

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

.button--primary {
  color: #fff;
  background: var(--color-green);
  box-shadow: 0 12px 28px rgba(14, 138, 105, 0.25);
}

.button--primary:hover {
  background: var(--color-green-dark);
}

.button--ghost {
  border-color: var(--color-line);
  color: var(--color-ink);
  background: #fff;
}

.button--light {
  border-color: rgba(255, 255, 255, 0.38);
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

.button--large {
  min-height: 50px;
  padding-inline: 22px;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--color-ink);
}

.hero {
  position: relative;
  min-height: min(720px, calc(100vh - 40px));
  display: grid;
  align-items: center;
  overflow: hidden;
  isolation: isolate;
}

.hero__media,
.hero__overlay,
.contact-band__media,
.contact-band__overlay {
  position: absolute;
  inset: 0;
}

.hero__media {
  z-index: -3;
  background: url("../images/hero-uganda.jpg") center / cover no-repeat;
}

.hero__overlay {
  z-index: -2;
  background:
    linear-gradient(90deg, rgba(8, 29, 34, 0.86) 0%, rgba(8, 29, 34, 0.68) 44%, rgba(8, 29, 34, 0.24) 100%),
    linear-gradient(0deg, rgba(7, 97, 74, 0.22), rgba(7, 97, 74, 0.22));
}

.hero__inner {
  padding: 72px 0 56px;
  color: #fff;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--color-gold);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 680px;
  margin: 0;
  color: #fff;
  font-size: clamp(48px, 7vw, 86px);
  line-height: 0.98;
}

.hero__copy {
  max-width: 660px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.86);
  font-size: 20px;
}

.hero__actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 32px;
}

.hero__proof {
  max-width: 780px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  margin-top: 48px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius);
  overflow: hidden;
  background: rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(10px);
}

.hero__proof div {
  min-height: 112px;
  padding: 22px;
  background: rgba(13, 47, 53, 0.32);
}

.hero__proof strong {
  display: block;
  color: #fff;
  font-size: 30px;
  line-height: 1;
}

.hero__proof span {
  display: block;
  margin-top: 8px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 14px;
}

.quick-actions {
  position: relative;
  z-index: 2;
  margin-top: -46px;
}

.quick-actions__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.quick-actions a {
  min-height: 138px;
  padding: 22px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
}

.quick-actions span {
  color: var(--color-green);
  font-weight: 800;
}

.quick-actions strong,
.quick-actions small {
  display: block;
}

.quick-actions strong {
  margin-top: 12px;
  font-size: 18px;
}

.quick-actions small {
  margin-top: 6px;
  color: var(--color-muted);
  font-size: 14px;
}

.section {
  padding: 92px 0;
}

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

.section-heading {
  max-width: 720px;
  margin-bottom: 36px;
}

.section-heading--wide {
  max-width: 820px;
}

h2 {
  margin: 0;
  color: var(--color-ink);
  font-size: clamp(32px, 4vw, 54px);
  line-height: 1.05;
}

h3 {
  margin: 0;
  color: var(--color-ink);
  font-size: 20px;
  line-height: 1.2;
}

.section-heading p:not(.eyebrow),
.split__content > p,
.calculator-layout > div > p,
.faq-layout > div > p,
.contact-band p,
.footer p {
  color: var(--color-muted);
  font-size: 17px;
}

.product-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.product-card {
  min-height: 292px;
  padding: 24px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.product-card--accent {
  background: var(--color-deep);
  color: #fff;
}

.product-card__icon {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
  border-radius: var(--radius);
  color: #fff;
  background: var(--color-green);
  font-weight: 800;
}

.product-card p {
  color: var(--color-muted);
  margin: 12px 0 20px;
}

/* Must come after .product-card p: equal specificity, so source order was
   letting the muted-gray rule win on accent cards and washing out the text. */
.product-card--accent h3,
.product-card--accent p {
  color: #fff;
}

.product-card a {
  margin-top: auto;
  color: var(--color-green);
  font-weight: 800;
}

.product-card--accent a {
  color: #f7d47c;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 460px);
  gap: 64px;
  align-items: center;
}

.feature-list {
  display: grid;
  gap: 14px;
  margin-top: 30px;
}

.feature-list div {
  padding: 18px;
  border-left: 4px solid var(--color-green);
  border-radius: var(--radius);
  background: var(--color-soft);
}

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

.feature-list span {
  margin-top: 4px;
  color: var(--color-muted);
}

.split__image {
  margin: 0;
}

.split__image img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

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

.section--calculator {
  background: var(--color-deep);
  color: #fff;
}

.section--calculator h2,
.section--calculator p {
  color: #fff;
}

.section--calculator .eyebrow {
  color: #f7d47c;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 500px);
  gap: 48px;
  align-items: start;
}

.calculator {
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.08);
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.16);
}

.calculator label {
  display: grid;
  gap: 8px;
  margin-bottom: 16px;
  color: rgba(255, 255, 255, 0.82);
  font-weight: 700;
}

.calculator input {
  width: 100%;
  min-height: 52px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius);
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  padding: 10px 14px;
}

.calculator input:focus {
  outline: 2px solid #f7d47c;
  outline-offset: 2px;
}

.calculator__result {
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

.calculator__result span,
.calculator__result small {
  display: block;
  color: rgba(255, 255, 255, 0.76);
}

.calculator__result strong {
  display: block;
  margin: 8px 0;
  color: #fff;
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1;
}

.calculator__result b {
  color: #fff;
}

.process {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.process div {
  min-height: 210px;
  padding: 24px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
}

.process span {
  display: inline-grid;
  place-items: center;
  width: 40px;
  height: 40px;
  margin-bottom: 22px;
  border-radius: var(--radius);
  color: var(--color-green);
  background: var(--color-soft);
  font-weight: 800;
}

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

.section--faq {
  background: #f8fafc;
}

.faq-layout {
  display: grid;
  grid-template-columns: minmax(260px, 0.65fr) minmax(320px, 1fr);
  gap: 48px;
  align-items: start;
}

.accordion {
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  overflow: hidden;
  background: #fff;
}

.accordion button {
  width: 100%;
  min-height: 64px;
  border: 0;
  border-top: 1px solid var(--color-line);
  color: var(--color-ink);
  background: #fff;
  padding: 18px 20px;
  text-align: left;
  font-weight: 800;
  cursor: pointer;
}

.accordion button:first-child {
  border-top: 0;
}

.accordion button[aria-expanded="true"] {
  background: var(--color-soft);
}

.accordion div {
  padding: 0 20px 18px;
  background: var(--color-soft);
}

.accordion p {
  margin: 0;
  color: var(--color-muted);
}

.contact-band {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  color: #fff;
}

.contact-band__media {
  z-index: -3;
  background: url("../images/kampala-business-street.jpg") center / cover no-repeat;
}

.contact-band__overlay {
  z-index: -2;
  background: linear-gradient(90deg, rgba(8, 29, 34, 0.92), rgba(8, 29, 34, 0.58));
}

.contact-band__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(310px, 420px);
  gap: 48px;
  align-items: center;
  padding: 82px 0;
}

.contact-band h2 {
  color: #fff;
}

.contact-band h1 {
  max-width: 780px;
  margin: 0;
  color: #fff;
  font-size: clamp(42px, 5vw, 72px);
  line-height: 1;
}

.contact-band p {
  color: rgba(255, 255, 255, 0.82);
}

.contact-card {
  display: grid;
  gap: 12px;
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
}

.contact-card a:not(.button),
.contact-card span {
  color: #fff;
  font-weight: 700;
}

.contact-card .button {
  margin-top: 10px;
}

.contact-band--page .contact-band__inner {
  min-height: 520px;
}

.footer {
  background: #071f23;
  color: rgba(255, 255, 255, 0.78);
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.4fr 0.55fr 0.55fr;
  gap: 48px;
  padding: 54px 0;
}

.footer img {
  width: 130px;
  margin-bottom: 18px;
  filter: none;
}

.footer strong,
.footer a {
  display: block;
}

.footer strong {
  color: #fff;
  margin-bottom: 14px;
}

.footer a {
  margin-top: 9px;
}

.footer__bottom {
  width: min(var(--max), calc(100% - 40px));
  min-height: 58px;
  margin: 0 auto;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  font-size: 14px;
}

.footer__bottom div {
  display: flex;
  gap: 16px;
}

.whatsapp {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 30;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.whatsapp span {
  padding: 8px 10px;
  border-radius: var(--radius);
  background: #fff;
  color: #172334;
  box-shadow: var(--shadow);
  font-size: 13px;
  font-weight: 800;
}

.whatsapp svg {
  display: inline-grid;
  place-items: center;
  width: 58px;
  height: 58px;
  padding: 14px;
  border-radius: 50%;
  color: #fff;
  background: #25d366;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.2);
  box-sizing: border-box;
}

@media (max-width: 1020px) {
  .header-actions {
    display: none;
  }

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

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

@media (max-width: 860px) {
  .topbar__inner {
    align-items: flex-start;
    flex-direction: column;
    padding: 10px 0;
    gap: 6px;
  }

  .topbar__links {
    flex-wrap: wrap;
    gap: 10px 18px;
  }

  .nav-toggle {
    display: block;
  }

  .site-nav {
    position: absolute;
    left: 20px;
    right: 20px;
    top: calc(100% + 8px);
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 10px;
    border: 1px solid var(--color-line);
    border-radius: var(--radius);
    background: #fff;
    box-shadow: var(--shadow);
  }

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

  .site-nav a {
    padding: 14px;
    border-radius: var(--radius);
  }

  .site-nav a:hover,
  .site-nav a:focus-visible {
    background: var(--color-soft);
  }

  .site-nav a::after {
    display: none;
  }

  .hero {
    min-height: auto;
  }

  .hero__inner {
    padding: 70px 0 110px;
  }

  .hero__copy {
    font-size: 18px;
  }

  .quick-actions {
    margin-top: -68px;
  }

  .quick-actions__grid,
  .split,
  .calculator-layout,
  .faq-layout,
  .contact-band__inner,
  .footer__inner {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 70px 0;
  }
}

@media (max-width: 640px) {
  .topbar {
    display: none;
  }

  .section-inner,
  .site-header__inner,
  .topbar__inner,
  .footer__bottom {
    width: min(100% - 28px, var(--max));
  }

  .site-header__inner {
    min-height: 68px;
  }

  .brand img {
    width: 124px;
  }

  .hero h1 {
    font-size: 50px;
  }

  .hero__actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hero__proof {
    grid-template-columns: 1fr;
  }

  .hero__proof div {
    min-height: 92px;
  }

  .product-grid,
  .process {
    grid-template-columns: 1fr;
  }

  .calculator {
    padding: 18px;
  }

  .contact-band__inner {
    padding: 66px 0;
  }

  .footer__bottom {
    align-items: flex-start;
    flex-direction: column;
    justify-content: center;
    padding: 18px 0;
  }

  .whatsapp span {
    display: none;
  }
}

@media (max-width: 640px) {
  .hero__media {
    background-position: 90% center;
  }
}

.hero--application {
  min-height: auto;
}

.hero--application .hero__overlay {
  background:
    linear-gradient(90deg, rgba(8, 29, 34, 0.9) 0%, rgba(8, 29, 34, 0.78) 42%, rgba(8, 29, 34, 0.52) 100%),
    linear-gradient(0deg, rgba(7, 97, 74, 0.22), rgba(7, 97, 74, 0.22));
}

.hero__layout {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(380px, 520px);
  gap: 56px;
  align-items: center;
  padding: 76px 0 86px;
  color: #fff;
}

.hero__content h1 {
  max-width: 760px;
  margin: 0;
  color: #fff;
  font-size: clamp(48px, 6vw, 78px);
  line-height: 0.98;
}

.hero-list {
  display: grid;
  gap: 10px;
  margin-top: 28px;
  color: #fff;
  font-weight: 700;
  text-shadow: 0 1px 3px rgba(0, 0, 0, 0.35);
}

.hero-list span {
  position: relative;
  padding-left: 26px;
}

.hero-list span::before {
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 12px;
  height: 2px;
  content: "";
  background: #f7d47c;
}

.hero__proof--compact {
  margin-top: 34px;
}

.loan-lead-card {
  position: relative;
  z-index: 1;
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: var(--radius);
  color: var(--color-ink);
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 24px 70px rgba(0, 0, 0, 0.28);
}

.loan-lead-card__header h2 {
  margin: 0;
  font-size: 30px;
  line-height: 1.08;
}

.loan-lead-card__header p:not(.eyebrow) {
  margin: 10px 0 0;
  color: var(--color-muted);
  font-size: 15px;
}

.form-section {
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--color-line);
}

.form-section__label {
  display: block;
  margin-bottom: 12px;
  color: var(--color-green);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.loan-lead-card label {
  display: grid;
  gap: 7px;
  color: var(--color-ink-2);
  font-size: 14px;
  font-weight: 800;
}

.loan-lead-card input,
.loan-lead-card select,
.loan-lead-card textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid #d5dde9;
  border-radius: var(--radius);
  color: var(--color-ink);
  background: #fff;
  padding: 10px 12px;
  font-weight: 600;
}

.loan-lead-card textarea {
  resize: vertical;
}

.loan-lead-card input:focus,
.loan-lead-card select:focus,
.loan-lead-card textarea:focus {
  outline: 2px solid rgba(14, 138, 105, 0.36);
  outline-offset: 2px;
}

.loan-summary {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.85fr) minmax(0, 1fr);
  gap: 1px;
  margin-top: 14px;
  border: 1px solid #cfe1d9;
  border-radius: var(--radius);
  overflow: hidden;
  background: #cfe1d9;
}

.loan-summary div {
  min-height: 86px;
  padding: 14px;
  background: #eef8f3;
}

.loan-summary span {
  display: block;
  color: var(--color-muted);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.loan-summary strong,
.loan-summary b {
  display: block;
  margin-top: 7px;
  color: var(--color-green-dark);
  font-size: 21px;
  line-height: 1.05;
}

.loan-summary b {
  font-size: 15px;
}

.check-row {
  grid-template-columns: 18px 1fr;
  align-items: start;
  margin-top: 12px;
}

.check-row input {
  min-height: 18px;
  margin-top: 2px;
}

.form-note {
  margin: 12px 0 0;
  color: var(--color-muted);
  font-size: 13px;
}

.quick-actions--below {
  margin-top: -48px;
}

.seo-intro {
  padding-top: 110px;
}

.seo-intro__grid,
.guidance-grid {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(320px, 1fr);
  gap: 52px;
}

.seo-intro__grid p,
.guidance-list p {
  color: var(--color-muted);
  font-size: 18px;
}

.product-grid--large {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.product-card ul {
  margin: 0 0 22px;
  padding-left: 18px;
  color: var(--color-muted);
}

.product-card li + li {
  margin-top: 5px;
}

.product-card--accent ul {
  color: rgba(255, 255, 255, 0.82);
}

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

.detail-grid article,
.requirements article {
  padding: 24px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
}

.detail-grid p,
.requirements p {
  color: var(--color-muted);
}

.split--large {
  grid-template-columns: minmax(0, 1fr) minmax(320px, 500px);
}

.eligibility-grid {
  display: grid;
  grid-template-columns: minmax(280px, 0.7fr) minmax(320px, 1fr);
  gap: 52px;
}

.eligibility-grid > div > p {
  color: var(--color-muted);
  font-size: 18px;
}

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

.audience-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.audience-grid div {
  min-height: 96px;
  display: flex;
  align-items: center;
  padding: 20px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: linear-gradient(180deg, #fff, #f7faf8);
  color: var(--color-ink);
  font-weight: 800;
}

.section--process {
  background: #fbfcfd;
}

.guidance-section {
  color: #fff;
  background: var(--color-deep);
}

.guidance-section h2,
.guidance-section .guidance-list p {
  color: #fff;
}

.guidance-section .eyebrow {
  color: #f7d47c;
}

.guidance-list {
  display: grid;
  gap: 16px;
}

.guidance-list p {
  margin: 0;
  padding: 20px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.08);
}

.footer__inner--large {
  grid-template-columns: 1.15fr repeat(3, minmax(160px, 0.5fr));
}

@media (max-width: 1180px) {
  .hero__layout {
    grid-template-columns: minmax(0, 0.82fr) minmax(380px, 500px);
    gap: 34px;
  }

  .product-grid--large,
  .audience-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 920px) {
  .hero__layout,
  .page-hero__grid,
  .seo-intro__grid,
  .guidance-grid,
  .eligibility-grid {
    grid-template-columns: 1fr;
  }

  .hero__layout {
    padding: 60px 0 88px;
  }

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

  .footer__inner--large {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .hero__layout {
    padding: 48px 0 86px;
  }

  .hero__content h1 {
    font-size: 44px;
  }

  .home-start-card {
    padding: 20px;
  }

  .home-start-card h2 {
    font-size: 26px;
  }

  .home-start-card .hero__proof {
    grid-template-columns: 1fr;
  }

  .page-hero {
    padding: 54px 0;
  }

  .page-hero h1,
  .contact-band h1 {
    font-size: 42px;
  }

  .loan-lead-card {
    padding: 18px;
  }

  .loan-lead-card__header h2 {
    font-size: 25px;
  }

  .form-grid,
  .loan-summary,
  .detail-grid,
  .requirements,
  .product-grid--large,
  .audience-grid,
  .footer__inner--large {
    grid-template-columns: 1fr;
  }

  .seo-intro {
    padding-top: 82px;
  }
}

/* New scalable loan journey */
.hero--application .hero__overlay {
  background:
    linear-gradient(90deg, rgba(10, 43, 98, 0.84) 0%, rgba(19, 85, 185, 0.64) 45%, rgba(19, 85, 185, 0.24) 100%),
    linear-gradient(0deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0.12));
}

.hero--application .hero-list {
  margin-top: 34px;
}

.hero--home .hero__overlay {
  /* Uniformly dark now that hero__content spans the full width (no side card
     to cover the lighter right-hand portion of the fade) — keeps hero-list
     and copy at safe contrast wherever they sit. */
  background:
    linear-gradient(90deg, rgba(10, 43, 98, 0.9) 0%, rgba(10, 43, 98, 0.82) 60%, rgba(19, 85, 185, 0.66) 100%),
    linear-gradient(0deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0.08));
}

.hero__layout--home {
  grid-template-columns: minmax(0, 1fr);
  max-width: 760px;
}

.home-start-card h2 {
  font-size: 31px;
  line-height: 1.08;
}

.home-start-card p:not(.eyebrow) {
  color: var(--color-muted);
  font-size: 16px;
}

.home-start-card__actions {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
  margin-top: 22px;
}

.home-start-card .hero__proof {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 24px;
  border-color: var(--color-line);
  background: var(--color-line);
}

.home-start-card .hero__proof div {
  min-height: 92px;
  padding: 16px;
  background: var(--color-soft);
}

.home-start-card .hero__proof strong {
  color: var(--color-green-dark);
  font-size: 24px;
}

.home-start-card .hero__proof span {
  color: var(--color-muted);
}

.loan-calculator-card {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 24px 70px rgba(16, 38, 77, 0.22);
}

.calculator-apply {
  width: 100%;
  margin-top: 18px;
}

.need-finder {
  position: relative;
  z-index: 2;
  padding: 34px 0 46px;
  background: linear-gradient(180deg, #ffffff 0%, #eef6ff 100%);
  border-bottom: 1px solid var(--color-line);
}

.need-finder__header {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(320px, 1fr);
  gap: 48px;
  align-items: end;
  margin-bottom: 22px;
}

.need-finder__header p:not(.eyebrow) {
  color: var(--color-muted);
  font-size: 17px;
}

.need-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.need-grid button {
  min-height: 172px;
  padding: 22px;
  border: 1px solid #bed3f3;
  border-radius: var(--radius);
  color: var(--color-ink);
  background: #fff;
  box-shadow: var(--shadow);
  text-align: left;
  cursor: pointer;
  transition: transform 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.need-grid button:hover,
.need-grid button:focus-visible {
  border-color: var(--color-green);
  box-shadow: 0 18px 45px rgba(21, 87, 191, 0.2);
  transform: translateY(-2px);
}

.need-grid span,
.need-grid strong,
.need-grid small {
  display: block;
}

.need-grid span {
  color: var(--color-green);
  font-weight: 800;
}

.need-grid strong {
  margin-top: 14px;
  font-size: 21px;
  line-height: 1.2;
}

.need-grid small {
  margin-top: 10px;
  color: var(--color-muted);
  font-size: 15px;
}

.application-section {
  background: #fff;
}

.application-layout {
  display: grid;
  grid-template-columns: minmax(300px, 0.72fr) minmax(360px, 1fr);
  gap: 52px;
  align-items: start;
}

.application-layout > div > p {
  color: var(--color-muted);
  font-size: 18px;
}

.application-summary {
  margin-top: 26px;
  padding: 20px;
  border: 1px solid #bed3f3;
  border-radius: var(--radius);
  background: var(--color-soft);
}

.application-summary strong,
.application-summary span {
  display: block;
}

.application-summary span {
  margin-top: 8px;
  color: var(--color-ink-2);
}

.application-form {
  padding: 26px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: linear-gradient(180deg, #ffffff, #f7fbff);
  box-shadow: var(--shadow);
}

.application-form label,
.loan-lead-card label {
  display: grid;
  gap: 7px;
  color: #647795;
  font-size: 14px;
  font-weight: 650;
}

.application-form input,
.application-form select,
.application-form textarea,
.loan-lead-card input,
.loan-lead-card select,
.loan-lead-card textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid #c8d8ef;
  border-radius: var(--radius);
  color: var(--color-ink);
  background: #fff;
  padding: 10px 12px;
  font-weight: 500;
}

.application-form textarea,
.loan-lead-card textarea {
  resize: vertical;
}

.application-form input:focus,
.application-form select:focus,
.application-form textarea:focus,
.loan-lead-card input:focus,
.loan-lead-card select:focus,
.loan-lead-card textarea:focus {
  outline: 2px solid rgba(21, 87, 191, 0.32);
  outline-offset: 2px;
}

.application-form .button {
  margin-top: 14px;
}

.page-hero {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  padding: 96px 0 88px;
  color: #fff;
}

.page-hero--compact {
  padding: 88px 0 76px;
}

.page-hero__media,
.page-hero__overlay {
  position: absolute;
  inset: 0;
  z-index: -1;
}

.page-hero__media {
  z-index: -2;
  background: url("../images/kampala-business-street.jpg") center / cover no-repeat;
}

.page-hero__overlay {
  background:
    linear-gradient(90deg, rgba(10, 43, 98, 0.9) 0%, rgba(10, 43, 98, 0.82) 60%, rgba(19, 85, 185, 0.66) 100%),
    linear-gradient(0deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0.08));
}

.page-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 56px;
  align-items: center;
  max-width: 780px;
}

.page-hero h1 {
  max-width: 860px;
  margin: 0;
  color: #fff;
  font-size: clamp(42px, 5vw, 68px);
  line-height: 1;
}

.page-hero p:not(.eyebrow) {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.86);
  font-size: 19px;
}

.page-hero .eyebrow {
  color: var(--color-gold);
}

.contact-options .detail-grid a {
  display: inline-flex;
  margin-top: 8px;
  color: var(--color-green);
  font-weight: 800;
}

.process-tabs__controls {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 6px;
  margin-bottom: 24px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: #fff;
}

.process-tabs__controls button {
  min-height: 42px;
  border: 0;
  border-radius: var(--radius);
  padding: 10px 16px;
  color: var(--color-ink-2);
  background: transparent;
  font-weight: 800;
  cursor: pointer;
}

.process-tabs__controls button.is-active {
  color: #fff;
  background: var(--color-green);
}

.process-panel[hidden] {
  display: none;
}

.operations-section {
  background: linear-gradient(180deg, #f5f9ff 0%, #ffffff 100%);
}

.operations-layout {
  display: grid;
  grid-template-columns: minmax(320px, 0.82fr) minmax(420px, 1fr);
  gap: 52px;
  align-items: center;
}

.operations-layout > div > p {
  color: var(--color-muted);
  font-size: 18px;
}

.ops-list {
  display: grid;
  gap: 10px;
  margin-top: 26px;
}

.ops-list span {
  padding: 13px 15px;
  border-left: 4px solid var(--color-green);
  border-radius: var(--radius);
  background: #fff;
  color: var(--color-ink-2);
  font-weight: 800;
  box-shadow: 0 10px 22px rgba(16, 38, 77, 0.06);
}

.ops-dashboard {
  padding: 20px;
  border: 1px solid #bed3f3;
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 22px 60px rgba(21, 87, 191, 0.16);
}

.ops-dashboard__top {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 16px;
  border-radius: var(--radius);
  color: #fff;
  background: var(--color-green);
}

.ops-dashboard__top span {
  opacity: 0.86;
}

.ops-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin: 14px 0;
}

.ops-metrics div {
  padding: 14px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: var(--color-soft);
}

.ops-metrics span,
.ops-metrics strong {
  display: block;
}

.ops-metrics span {
  color: var(--color-muted);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.ops-metrics strong {
  margin-top: 6px;
  font-size: 27px;
}

.ops-board {
  display: grid;
  grid-template-columns: 1fr 0.95fr;
  gap: 14px;
}

.ops-table,
.ops-detail {
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  overflow: hidden;
  background: #fff;
}

.ops-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 13px 14px;
  border-top: 1px solid var(--color-line);
  color: var(--color-ink-2);
  font-weight: 700;
}

.ops-row:first-child {
  border-top: 0;
}

.ops-row b {
  color: var(--color-green);
}

.ops-row--head {
  background: #eff6ff;
  color: var(--color-ink);
}

.ops-detail {
  display: grid;
  gap: 10px;
  padding: 16px;
}

.ops-detail span {
  color: var(--color-muted);
}

.ops-actions {
  display: flex;
  gap: 8px;
  margin-top: 6px;
}

.ops-actions button {
  min-height: 38px;
  border: 0;
  border-radius: var(--radius);
  padding: 9px 12px;
  color: #fff;
  background: var(--color-green);
  font-weight: 800;
}

.ops-actions button + button {
  color: var(--color-ink);
  background: var(--color-sky);
}

.guidance-section--compact {
  padding-top: 82px;
}

.contact-band__overlay {
  background: linear-gradient(90deg, rgba(10, 43, 98, 0.9), rgba(10, 43, 98, 0.56));
}

.footer {
  background: #08295f;
}

@media (max-width: 920px) {
  .hero__layout--home,
  .page-hero__grid,
  .split,
  .split--large,
  .need-finder__header,
  .application-layout,
  .operations-layout,
  .ops-board {
    grid-template-columns: 1fr;
  }

  .ops-dashboard {
    overflow-x: auto;
  }
}

@media (max-width: 640px) {
  .home-start-card {
    padding: 20px;
  }

  .home-start-card h2 {
    font-size: 26px;
  }

  .home-start-card .hero__proof {
    grid-template-columns: 1fr;
  }

  .page-hero {
    padding: 54px 0;
  }

  .page-hero h1,
  .contact-band h1 {
    font-size: 42px;
  }

  .need-grid,
  .ops-metrics {
    grid-template-columns: 1fr;
  }

  .application-form {
    padding: 18px;
  }
}