/* Loans514, in the 514loans family look.
   514loans blue #1565C0 for every action and link. White pages, light grey #F4F6F9 alternate sections.
   One typeface: Open Sans (variable, self-hosted). Hero headline uppercase, light weight.
   Shape rule: controls 4px, panels 8px. Bank logos are rounded tiles (their own artwork).
   Signature kept from v1: the payment strip, one equal block per payment, inside the calculator. */

@font-face {
  font-family: "Open Sans";
  src: url("/assets/fonts/open-sans-latin.woff2") format("woff2");
  font-weight: 300 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --bg: #FFFFFF;
  --surface: #FFFFFF;
  --alt: #F4F6F9;
  --sunk: #E9EDF2;
  --ink: #1D2733;
  --ink-2: #4A5563;
  --ink-3: #5E6977;
  --line: #DDE2E8;
  --accent: #1565C0;
  --accent-hover: #0D4E9C;
  --accent-ink: #FFFFFF;
  --accent-soft: #E7F0FB;
  --accent-text: #1565C0;
  --band: #1565C0;
  --band-ink: #FFFFFF;
  --warn: #B4361F;
  --shadow: 0 2px 4px rgb(16 34 60 / .06), 0 18px 40px -18px rgb(16 34 60 / .35);

  --r-ctl: 4px;
  --r-panel: 8px;
  --wrap: 1180px;
  --gutter: clamp(16px, 4vw, 32px);
  --ease: cubic-bezier(.16, 1, .3, 1);
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0E1620;
    --surface: #152030;
    --alt: #111B27;
    --sunk: #1C2A3C;
    --ink: #E8EDF3;
    --ink-2: #AFBAC8;
    --ink-3: #93A0B1;
    --line: #26354A;
    --accent: #1F72D6;
    --accent-hover: #3A87E3;
    --accent-soft: #15273F;
    --accent-text: #8DBBF2;
    --band: #12345F;
    --warn: #FF8E78;
    --shadow: 0 2px 4px rgb(0 0 0 / .3), 0 18px 40px -18px rgb(0 0 0 / .7);
    color-scheme: dark;
  }
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 400 1.0625rem/1.65 "Open Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  font-variant-numeric: tabular-nums; -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; font-weight: 700; text-wrap: balance; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 1.4rem + 2.2vw, 3rem); }
h2 { font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; text-wrap: pretty; }
a { color: var(--accent-text); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
strong { font-weight: 700; }
.num { font-variant-numeric: tabular-nums; }
.muted { color: var(--ink-3); font-size: .95rem; }
.lede { font-size: 1.15rem; color: var(--ink-2); max-width: 48ch; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--surface); color: var(--ink); padding: 10px 14px; z-index: 100; }
.skip:focus { left: 8px; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 48px; padding: 0 26px; border-radius: var(--r-ctl); border: 2px solid transparent;
  font: inherit; font-weight: 700; font-size: .95rem; letter-spacing: .06em; text-transform: uppercase; white-space: nowrap;
  text-decoration: none; cursor: pointer;
  transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease), transform .15s var(--ease);
}
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--accent); color: var(--accent-ink); }
.btn--primary:hover { background: var(--accent-hover); }
.btn--ghost { background: transparent; color: var(--accent-text); border-color: currentColor; }
.btn--ghost:hover { background: var(--accent-soft); }
.btn--light { background: #FFFFFF; color: #1565C0; }
.btn--light:hover { background: #E7F0FB; }
.btn--outline-light { background: transparent; color: #FFFFFF; border-color: rgb(255 255 255 / .8); }
.btn--outline-light:hover { background: rgb(255 255 255 / .12); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 0; }

/* ---------- masthead ---------- */
.masthead { position: sticky; top: 0; z-index: 20; background: var(--surface); border-bottom: 1px solid var(--line); box-shadow: 0 1px 6px rgb(16 34 60 / .06); }
.masthead__bar { display: flex; align-items: center; gap: 24px; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 4px; text-decoration: none; color: var(--ink); font-weight: 800; font-size: 1.6rem; letter-spacing: -0.03em; }
.brand__code { font-size: .8em; line-height: 1; padding: 5px 7px 6px; border-radius: 6px; background: #1565C0; color: #FFFFFF; letter-spacing: 0; }
.site-nav { margin-left: auto; }
.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; }
.site-nav a { display: block; padding: 8px 11px; color: var(--ink-2); text-decoration: none; font-weight: 600; font-size: .95rem; white-space: nowrap; border-bottom: 2px solid transparent; }
.site-nav a:hover { color: var(--accent-text); }
.site-nav a[aria-current="page"] { color: var(--accent-text); border-bottom-color: var(--accent); }
.menu-toggle { display: none; }
.masthead__apply { min-height: 44px; padding: 0 20px; text-transform: none; letter-spacing: 0; font-size: 1rem; }
@media (max-width: 980px) {
  .masthead__bar { flex-wrap: wrap; gap: 12px; min-height: 64px; padding-top: 10px; padding-bottom: 10px; }
  .js .menu-toggle {
    display: inline-flex; align-items: center; margin-left: auto; order: 2; min-height: 44px; padding: 0 14px;
    border-radius: var(--r-ctl); border: 1.5px solid var(--line); background: var(--surface); color: var(--ink); font: inherit; font-weight: 700; cursor: pointer;
  }
  .masthead__apply { order: 3; }
  .site-nav { order: 4; flex-basis: 100%; margin: 0; }
  .site-nav ul { flex-direction: column; padding: 4px 0 8px; }
  .site-nav a { padding: 12px 4px; font-size: 1.05rem; border: 0; }
  .js .site-nav:not(.is-open) { display: none; }
}
@media (max-width: 420px) { .masthead__apply { padding: 0 14px; } .brand { font-size: 1.35rem; } }

/* ---------- sections ---------- */
.section { padding: clamp(56px, 8vw, 88px) 0; }
.section--paper { background: var(--alt); }
.section__head { max-width: 64ch; margin-bottom: 36px; }
.section__head p { color: var(--ink-2); }
.section__head--center { margin-left: auto; margin-right: auto; text-align: center; }

/* inner page title: solid 514loans-blue band */
.page-head { background: var(--band); color: var(--band-ink); padding: clamp(40px, 6vw, 72px) 0 clamp(36px, 5vw, 60px); }
.page-head h1 { max-width: 30ch; }
.page-head p { max-width: 64ch; color: rgb(255 255 255 / .9); font-size: 1.12rem; margin-bottom: 0; }
.page-head a { color: #FFFFFF; }
.crumbs { font-size: .92rem; margin-bottom: 14px !important; }
.page-head + .section { padding-top: clamp(40px, 6vw, 64px); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 80px); align-items: start; }
@media (max-width: 820px) { .split { grid-template-columns: 1fr; } }
.prose { max-width: 70ch; }
.prose h2 { margin-top: 1.6em; }
.prose > :first-child { margin-top: 0; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose--after { margin-top: 32px; }
.wrap.prose { max-width: var(--wrap); }
.wrap.prose > * { max-width: 70ch; }

/* ---------- hero ---------- */
.hero {
  position: relative; isolation: isolate; color: #FFFFFF;
  min-height: 560px; display: flex; align-items: center;
  background: #24364E url("/assets/img/hero-1600.webp") center 28% / cover no-repeat;
}
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(90deg, rgb(8 22 44 / .82) 0%, rgb(8 22 44 / .55) 45%, rgb(8 22 44 / .1) 80%);
}
.hero__copy { padding: 56px 0 96px; max-width: 620px; }
.hero h1 { font-weight: 300; text-transform: uppercase; letter-spacing: .03em; line-height: 1.12; font-size: clamp(2.1rem, 1.2rem + 3vw, 3.5rem); margin-bottom: 18px; }
.hero h1 strong { font-weight: 700; }
.hero p { font-size: 1.15rem; color: rgb(255 255 255 / .92); max-width: 44ch; margin: 0; }
@media (max-width: 900px) { .hero { background-image: url("/assets/img/hero-900.webp"); background-position: 62% 30%; } }
@media (max-width: 640px) {
  .hero { min-height: 520px; align-items: flex-end; }
  .hero::before { background: linear-gradient(0deg, rgb(8 22 44 / .9) 0%, rgb(8 22 44 / .6) 55%, rgb(8 22 44 / .2) 100%); }
  .hero__copy { padding: 140px 0 84px; }
}
@media (prefers-reduced-motion: no-preference) {
  .js .hero__copy > * { animation: rise .7s var(--ease) both; }
  .js .hero__copy > :nth-child(2) { animation-delay: .08s; }
  .js .hero__copy > :nth-child(3) { animation-delay: .16s; }
}
@keyframes rise { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

/* ---------- calculator bar (overlaps the hero's bottom edge) ---------- */
.calcbar-wrap { position: relative; z-index: 2; margin-top: -64px; }
.calc {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); box-shadow: var(--shadow);
  padding: 22px 26px;
  display: grid; grid-template-columns: 1.1fr 1fr 1.15fr 1.2fr auto; gap: 26px; align-items: center;
}
.calc fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.calc__row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 4px; gap: 8px; }
.calc label, .calc legend { font-weight: 600; color: var(--ink-2); font-size: .9rem; }
.calc legend { margin-bottom: 6px; padding: 0; }
.calc output { font-weight: 800; font-size: 1.1rem; color: var(--ink); }
.calc__scale { display: flex; justify-content: space-between; font-size: .76rem; color: var(--ink-3); }
.calc__result { min-width: 0; }
.calc__payment { margin: 0; color: var(--ink-2); font-size: .9rem; line-height: 1.2; }
.calc__payment strong { display: block; font-size: 1.9rem; font-weight: 800; color: var(--ink); letter-spacing: -0.02em; }
.calc__detail { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.calc__fine { grid-column: 1 / -1; margin: -8px 0 0; font-size: .8rem; color: var(--ink-3); }
.calc .btn { min-height: 52px; }
@media (max-width: 1080px) {
  .calc { grid-template-columns: 1fr 1fr; gap: 20px 28px; }
  .calc .btn { width: 100%; }
}
@media (max-width: 560px) {
  .calcbar-wrap { margin-top: -48px; }
  .calc { grid-template-columns: 1fr; padding: 20px; }
}

input[type="range"] { --fill: 26%; -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; margin: 0; cursor: pointer; }
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 6px; background: linear-gradient(to right, var(--accent) var(--fill), var(--sunk) var(--fill)); }
input[type="range"]::-moz-range-track { height: 6px; border-radius: 6px; background: var(--sunk); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 6px; background: var(--accent); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; margin-top: -8px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 1px 4px rgb(16 34 60 / .4); }
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); }

.freq { display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px; padding: 3px; background: var(--sunk); border-radius: calc(var(--r-ctl) + 3px); }
.freq input { position: absolute; opacity: 0; pointer-events: none; }
.freq label { display: flex; align-items: center; justify-content: center; min-height: 38px; padding: 2px 4px; border-radius: var(--r-ctl); font-size: .84rem; font-weight: 650; color: var(--ink-2); cursor: pointer; text-align: center; }
.freq input:checked + label { background: var(--accent); color: #FFFFFF; }
.freq input:focus-visible + label { outline: 3px solid var(--accent); outline-offset: 1px; }

.strip { display: flex; gap: 3px; height: 10px; margin: 8px 0 3px; }
.strip span { flex: 1 1 0; min-width: 2px; background: var(--accent); border-radius: 2px; transform-origin: left; }
@media (prefers-reduced-motion: no-preference) {
  .strip span { animation: grow .4s var(--ease) both; animation-delay: calc(var(--i, 0) * 20ms); }
}
@keyframes grow { from { transform: scaleX(.2); opacity: .3; } to { transform: none; opacity: 1; } }
.strip__legend { display: flex; justify-content: space-between; font-size: .74rem; color: var(--ink-3); gap: 6px; }

/* ---------- logo strips ---------- */
.logos { padding: 44px 0 52px; text-align: center; }
.logos h2 { font-size: 1.15rem; font-weight: 600; color: var(--ink-2); margin-bottom: 22px; }
.banks { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.banks img { width: 44px; height: 44px; border-radius: 8px; background: #FFFFFF; box-shadow: 0 1px 3px rgb(16 34 60 / .18); }
.banks img { filter: grayscale(1); opacity: .8; }
@media (max-width: 480px) {
  .banks { gap: 6px; max-width: 344px; margin: 0 auto; }
  .banks li { flex: 0 0 calc((100% - 36px) / 7); }
  .banks img { width: 100%; height: auto; aspect-ratio: 1; }
}

.partners { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.partners li { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); padding: 22px; display: grid; grid-template-rows: 64px auto; gap: 12px; }
.partners .logo { background: #FFFFFF; border-radius: var(--r-ctl); display: flex; align-items: center; padding: 8px 12px; }
.partners .logo img { height: var(--h, 24px); width: auto; max-width: 100%; object-fit: contain; object-position: left center; filter: grayscale(1); opacity: .8; }
.partners p { margin: 0; color: var(--ink-2); font-size: .95rem; }
.partners strong { color: var(--ink); }
@media (max-width: 1000px) { .partners { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .partners { grid-template-columns: 1fr; } }

/* ---------- three selling points ---------- */
.points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 4px solid var(--accent); background: var(--surface); box-shadow: var(--shadow); border-radius: 0 0 var(--r-panel) var(--r-panel); }
.points > div { padding: 30px 28px; }
.points > div + div { border-left: 1px solid var(--line); }
.points h2 { font-size: 1.2rem; margin-bottom: 8px; color: var(--accent-text); }
.points p { margin: 0; color: var(--ink-2); }
@media (max-width: 820px) { .points { grid-template-columns: 1fr; } .points > div + div { border-left: 0; border-top: 1px solid var(--line); } }

/* ---------- numbered steps with icons ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: step; }
.steps li { counter-increment: step; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); padding: 28px; position: relative; }
.steps__icon { display: block; color: var(--ink); margin-bottom: 16px; }
.steps__icon svg { width: 36px; height: 36px; }
.steps li::before { content: counter(step); position: absolute; top: 24px; right: 26px; font-size: 2.4rem; font-weight: 300; color: var(--line); line-height: 1; }
.steps__time { font-size: .85rem; font-weight: 700; color: var(--accent-text); margin: -4px 0 8px; }
.steps p:last-child { color: var(--ink-2); margin: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }
.section:not(.section--paper) .steps li { background: var(--alt); border-color: transparent; }

.duo { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 40px; }
.duo > div { padding-left: 20px; border-left: 4px solid var(--accent); }
.duo h3 { font-size: 1.25rem; }
.duo p { color: var(--ink-2); }
.duo p:last-child { margin: 0; }
@media (max-width: 820px) { .duo { grid-template-columns: 1fr; } }

/* ---------- blue Apply banner ---------- */
.closer {
  display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap;
  background: var(--band); color: var(--band-ink); border-radius: var(--r-panel); padding: clamp(28px, 4vw, 44px);
}
.closer h2 { margin-bottom: 6px; color: #FFFFFF; }
.closer p { margin: 0; color: rgb(255 255 255 / .9); }
.closer .btn--primary { background: #FFFFFF; color: #1565C0; }
.closer .btn--primary:hover { background: #E7F0FB; }
.banner { background: var(--band); color: #FFFFFF; padding: 34px 0; }
.banner .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.banner p { margin: 0; font-size: 1.35rem; font-weight: 300; }
.banner p strong { font-weight: 700; }

/* ---------- three blocks ---------- */
.trio { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.trio > div { display: flex; flex-direction: column; }
.trio h2 { font-size: 1.35rem; }
.trio p { color: var(--ink-2); }
.trio a.more { margin-top: auto; font-weight: 700; }
@media (max-width: 860px) { .trio { grid-template-columns: 1fr; } }

/* ---------- terms tiles ---------- */
.terms { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 0 0 28px; }
.terms > div { background: var(--surface); border: 1px solid var(--line); border-top: 3px solid var(--accent); border-radius: var(--r-panel); padding: 20px; }
.terms dt { font-size: .88rem; color: var(--ink-3); font-weight: 600; margin-bottom: 6px; }
.terms dd { margin: 0; font-size: 1.35rem; font-weight: 700; }
.terms small { display: block; font-size: .82rem; font-weight: 400; color: var(--ink-3); margin-top: 4px; }
.terms--stack { grid-template-columns: 1fr; }
@media (max-width: 860px) { .terms { grid-template-columns: 1fr 1fr; } }
@media (max-width: 420px) { .terms { grid-template-columns: 1fr; } }

.example { border-left: 4px solid var(--accent); background: var(--accent-soft); border-radius: 0 var(--r-panel) var(--r-panel) 0; padding: 20px 24px; margin: 0 0 24px; max-width: 78ch; }
.example h2, .example h3 { font-size: 1.05rem; margin: 0 0 6px; }
.example p { margin: 0 0 .5em; }
.example p:last-child { margin: 0; }

/* ---------- side by side compare ---------- */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.compare > div { border-radius: var(--r-panel); padding: 28px; border: 1px solid var(--line); background: var(--surface); }
.compare > div:last-child { border: 2px solid var(--accent); }
.compare h3 { font-size: 1.25rem; }
.compare .big { font-size: 2rem; font-weight: 800; margin: 4px 0 2px; }
.compare ul { margin: 16px 0 0; padding-left: 1.2em; color: var(--ink-2); }
.compare li { margin-bottom: 6px; }
@media (max-width: 760px) { .compare { grid-template-columns: 1fr; } }

/* ---------- lists ---------- */
.checks { list-style: none; padding: 0 !important; margin: 0 0 24px; display: grid; gap: 10px; }
.checks li { position: relative; padding-left: 32px; margin: 0; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: .22em; width: 20px; height: 20px; border-radius: 50%;
  background: #1565C0 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat;
}
.uses { list-style: none; padding: 0 !important; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.uses li { margin: 0; padding: 10px 16px; border-radius: var(--r-ctl); background: var(--surface); border: 1px solid var(--line); font-weight: 600; font-size: .97rem; }

/* ---------- tables ---------- */
.table-scroll { overflow-x: auto; margin: 0 0 16px; border: 1px solid var(--line); border-radius: var(--r-panel); background: var(--surface); }
.schedule { width: 100%; border-collapse: collapse; min-width: 520px; }
.schedule th, .schedule td { text-align: left; padding: 14px 18px; }
.schedule thead th { font-size: .85rem; color: #FFFFFF; background: var(--band); font-weight: 650; }
.schedule tbody tr + tr > * { border-top: 1px solid var(--line); }
.schedule tbody th { font-weight: 650; }

/* ---------- faq ---------- */
.faq { max-width: 860px; }
.faq__group + .faq__group { margin-top: 48px; }
.faq__group h2 { font-size: 1.3rem; margin-bottom: 12px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); margin-bottom: 10px; }
.faq summary { list-style: none; cursor: pointer; padding: 18px 52px 18px 20px; position: relative; font-weight: 700; font-size: 1.03rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-52%); font-size: 1.5rem; font-weight: 400; color: var(--accent-text); transition: transform .2s var(--ease); }
.faq details[open] summary::after { transform: translateY(-52%) rotate(45deg); }
.faq summary:hover { color: var(--accent-text); }
.faq details > div { padding: 0 20px 18px; color: var(--ink-2); max-width: 72ch; }
.faq details > div p:last-child { margin: 0; }
.faq__more { margin-top: 24px; font-weight: 700; }
.faq--center { margin: 0 auto; }

/* ---------- forms ---------- */
.form-shell { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(28px, 5vw, 56px); align-items: start; }
@media (max-width: 900px) { .form-shell { grid-template-columns: 1fr; } }
.form-frame { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); overflow: hidden; }
.form-frame iframe { display: block; border: 0; width: 100%; min-height: 900px; }
.form-note { font-size: .9rem; color: var(--ink-3); margin-top: 14px; }
.aside { background: var(--alt); border: 1px solid var(--line); border-top: 4px solid var(--accent); border-radius: var(--r-panel); padding: 24px; position: sticky; top: 96px; }
.aside h2 { font-size: 1.15rem; }
@media (max-width: 900px) { .aside { position: static; } }
#contact-form { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-panel); padding: clamp(20px, 3vw, 32px); }
.field { display: grid; gap: 8px; margin-bottom: 20px; }
.field label { font-weight: 650; }
.field input, .field select, .field textarea { width: 100%; min-height: 48px; padding: 10px 14px; font: inherit; color: var(--ink); background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--r-ctl); }
.field textarea { min-height: 160px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 25%, transparent); }
.field [aria-invalid="true"] { border-color: var(--warn); }
.hint { margin: -4px 0 0; font-size: .9rem; color: var(--ink-3); }
.field-error { margin: 0; color: var(--warn); font-size: .92rem; font-weight: 600; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { padding: 14px 16px; border-radius: var(--r-ctl); margin-bottom: 20px; font-weight: 600; }
.form-status--error { background: color-mix(in srgb, var(--warn) 12%, transparent); color: var(--warn); border: 1px solid color-mix(in srgb, var(--warn) 35%, transparent); }

/* ---------- confirmation / 404 ---------- */
.confirm { background: var(--band); color: #FFFFFF; padding: clamp(56px, 9vw, 104px) 0; }
.confirm .lede { color: rgb(255 255 255 / .9); }
.confirm__mark { display: inline-block; margin-bottom: 18px; padding: 6px 12px; border-radius: var(--r-ctl); background: rgb(255 255 255 / .16); color: #FFFFFF; font-weight: 700; font-size: .9rem; }
.confirm .btn--primary { background: #FFFFFF; color: #1565C0; }
.confirm .btn--ghost { color: #FFFFFF; }
.confirm .btn--ghost:hover { background: rgb(255 255 255 / .12); }

/* ---------- province hub cards ---------- */
.provinces { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 12px; }
.provinces a { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 18px 20px; border-radius: var(--r-panel); border: 1px solid var(--line); background: var(--surface); color: var(--ink); text-decoration: none; font-weight: 700; transition: border-color .2s var(--ease); }
.provinces a::after { content: "→"; color: var(--accent-text); transition: transform .2s var(--ease); }
.provinces a:hover { border-color: var(--accent); }
.provinces a:hover::after { transform: translateX(3px); }

/* ---------- footer ---------- */
.footer { background: #14202F; color: #B7C2CF; padding: 56px 0 32px; font-size: .95rem; }
.footer .brand { color: #FFFFFF; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 32px; }
.footer__brand p { margin-top: 14px; max-width: 34ch; }
.footer__heading { font-size: .95rem; color: #FFFFFF; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .08em; }
.footer__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer a { color: #D5DDE6; }
.footer a:hover { color: #FFFFFF; }
.footer__disclosure { margin-top: 40px; padding-top: 24px; border-top: 1px solid #2A3A4E; font-size: .86rem; color: #9AA8B8; }
.footer__disclosure p { max-width: 110ch; }
.footer__legal { display: flex; flex-wrap: wrap; gap: 8px 24px; font-size: .86rem; color: #9AA8B8; }
.footer__legal p { margin: 0; }
.footer__legal p:first-child { flex-basis: 100%; margin-bottom: 8px; }
@media (max-width: 860px) { .footer__grid { grid-template-columns: 1fr 1fr; } .footer__brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer__grid { grid-template-columns: 1fr; } }

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