:root {
    --loan-ink: #24334d;
    --loan-muted: #606b7e;
    --loan-border: #e7eaf0;
    --loan-soft: #f5f7fc;
    --loan-blue: #355EFC;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 105px;
}

.container-fluid.fixed-top {
    background: #fff;
    box-shadow: 0 2px 12px rgba(1,26,65,.1);
}

.container-fluid.fixed-top .top-bar {
    background: #f0f3f9;
    border-bottom: 1px solid #dce2ed;
    color: #263650;
    height: auto;
    min-height: 45px;
    padding-bottom: 5px;
    padding-top: 5px;
}

.container-fluid.fixed-top .top-bar a,
.container-fluid.fixed-top .top-bar small {
    color: #263650;
    font-weight: 600;
}

.container-fluid.fixed-top .top-bar i {
    color: #2346c5 !important;
}

.container-fluid.fixed-top nav.navbar {
    background: #fff;
}

.container-fluid.fixed-top .navbar-brand h1 {
    color: #2346c5 !important;
    font-weight: 700;
}

.container-fluid.fixed-top .navbar .navbar-nav .nav-link {
    color: #38465b;
    font-weight: 600;
}

.container-fluid.fixed-top .navbar .navbar-nav .nav-link:hover,
.container-fluid.fixed-top .navbar .navbar-nav .nav-link.active {
    color: #2346c5;
}

.container-fluid.fixed-top .navbar-toggler {
    border-color: #68758a;
}

.container-fluid.fixed-top .navbar-toggler:focus {
    box-shadow: 0 0 0 .2rem rgba(35,70,197,.25);
}

.container-fluid.fixed-top .dropdown-menu {
    border-color: #dce2ed;
}

.container-fluid.fixed-top .dropdown-item {
    color: #344158;
}

.container-fluid.fixed-top .dropdown-item:hover,
.container-fluid.fixed-top .dropdown-item:focus {
    background: #edf2ff;
    color: #18338f;
}

.hero-wrap {
    padding-bottom: 0;
    padding-top: 175px !important;
}

.hero-wrap .carousel-caption {
    background: linear-gradient(90deg, rgba(1, 26, 65, .88), rgba(1, 26, 65, .62) 76%, rgba(1, 26, 65, .2));
}

.hero-wrap .carousel-caption > .container p.d-inline-block {
    background: rgba(1,26,65,.86);
    border-color: #fff !important;
    color: #fff !important;
}

.hero-wrap .carousel-caption h1,
.hero-wrap .carousel-caption h2 {
    color: #fff;
    max-width: 760px;
}

.hero-copy {
    color: #fff;
    font-size: 17px;
    max-width: 600px;
}

.hero-wrap .btn-primary {
    background: #2346c5;
    border-color: #2346c5;
    color: #fff;
}

.hero-wrap .btn-primary:hover,
.hero-wrap .btn-primary:focus {
    background: #18338f;
    border-color: #18338f;
    color: #fff;
}

.hero-wrap .btn-light {
    color: #17243b;
}

.hero-wrap .carousel-control-prev,
.hero-wrap .carousel-control-next {
    opacity: 1;
}

.hero-proof {
    background: #fff;
    border-radius: 10px;
    box-shadow: 0 10px 35px rgba(1,26,65,.09);
    margin: -35px auto 0;
    padding: 21px 26px;
    position: relative;
    z-index: 2;
}

.hero-proof .row > div {
    border-right: 1px solid var(--loan-border);
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.hero-proof .row > div:last-child {
    border-right: 0;
}

.hero-proof strong {
    color: var(--loan-ink);
    font-family: Jost, sans-serif;
    font-size: 17px;
}

.hero-proof span {
    color: var(--loan-muted);
    font-size: 12px;
}

.theme-stat,
.theme-panel,
.opportunity-card {
    background: #fff;
    border: 1px solid var(--loan-border);
    border-radius: 9px;
    box-shadow: 0 4px 18px rgba(1,26,65,.035);
}

.theme-stat {
    display: flex;
    flex-direction: column;
    height: 100%;
    min-height: 132px;
    padding: 18px;
}

.theme-stat > span {
    color: var(--loan-muted);
    font-size: 13px;
}

.theme-stat strong {
    color: var(--loan-ink);
    font-family: Jost, sans-serif;
    font-size: 26px;
    line-height: 1.3;
    margin: 8px 0 4px;
}

.theme-stat small,
.demo-note {
    color: #606b7e;
    font-size: 11px;
}

.theme-panel {
    padding: 22px;
}

.theme-table {
    color: #536077;
    font-size: 12px;
    min-width: 700px;
}

.theme-table thead th {
    border-bottom-color: var(--loan-border);
    color: #5f6b80;
    font-size: 10px;
    font-weight: 600;
    letter-spacing: .55px;
    white-space: nowrap;
}

.theme-table tbody td {
    border-bottom-color: #edf0f5;
    padding-bottom: 13px;
    padding-top: 13px;
    vertical-align: middle;
}

.theme-table tbody tr:last-child td {
    border-bottom: 0;
}

.theme-table td strong,
.theme-table td small {
    display: block;
}

.theme-table td strong {
    color: #38475e;
    font-size: 12px;
}

.theme-table td small {
    color: #606b7e;
    font-size: 10px;
    margin-top: 4px;
}

.wallet-preview {
    align-items: flex-end;
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.wallet-preview span {
    color: #606b7e;
    font-size: 10px;
}

.wallet-preview strong {
    color: var(--loan-ink);
    font-family: Jost, sans-serif;
    font-size: 18px;
}

.loan-status {
    border-radius: 20px;
    display: inline-block;
    font-size: 10px;
    font-weight: 600;
    padding: 6px 9px;
    white-space: nowrap;
}

.status-current {
    background: #eaf5ee;
    color: #285d45;
}

.status-due {
    background: #fff4e2;
    color: #75500e;
}

.status-maturity {
    background: #edf2ff;
    color: #4a66c5;
}

.repayment-line {
    align-items: center;
    border-top: 1px solid var(--loan-border);
    display: grid;
    gap: 16px;
    grid-template-columns: 105px 1fr 105px 100px;
    padding: 15px 3px;
}

.repayment-date {
    color: #707d92;
    font-size: 12px;
}

.repayment-line > div strong,
.repayment-line > div small {
    display: block;
}

.repayment-line > div strong,
.repayment-line > strong {
    color: #39475c;
    font-size: 12px;
}

.repayment-line > div small {
    color: #606b7e;
    font-size: 10px;
    margin-top: 4px;
}

.admin-preview {
    background: #f7f8fc;
}

.admin-reminder {
    background: #fff7e9;
    border-left: 3px solid #d9a64e;
    border-radius: 4px;
    color: #66512d;
    font-size: 11px;
    line-height: 1.7;
    padding: 12px 14px;
}

.decision-actions {
    display: flex;
    gap: 5px;
}

.decision-actions .btn {
    font-size: 10px;
    padding: 5px 8px;
}

.theme-panel h3 {
    color: var(--loan-ink);
}

.theme-panel > p {
    color: var(--loan-muted);
    font-size: 13px;
}

.theme-tag {
    background: #f1f3f8;
    border-radius: 5px;
    color: #5d6980;
    font-size: 11px;
    padding: 7px 10px;
}

.interest-summary {
    align-items: baseline;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.interest-summary strong {
    color: var(--loan-ink);
    font-family: Jost, sans-serif;
    font-size: 23px;
}

.interest-summary span {
    color: #16643f;
    font-size: 12px;
    font-weight: 700;
}

.interest-summary small {
    color: #606b7e;
    flex-basis: 100%;
    font-size: 11px;
}

.theme-chart {
    height: 200px;
    margin-top: 14px;
    padding: 7px 0 0 38px;
    position: relative;
}

.theme-chart::before {
    background: repeating-linear-gradient(to bottom, #edf0f5 0, #edf0f5 1px, transparent 1px, transparent 37px);
    content: "";
    height: 158px;
    left: 40px;
    position: absolute;
    right: 0;
    top: 8px;
}

.theme-chart svg {
    height: 158px;
    overflow: visible;
    width: 100%;
}

.chart-values {
    color: #5f6b80;
    display: flex;
    flex-direction: column;
    font-size: 10px;
    height: 160px;
    justify-content: space-between;
    left: 0;
    position: absolute;
    top: 3px;
}

.interest-area {
    fill: url(#interestFill);
}

.interest-line {
    fill: none;
    stroke: var(--primary);
    stroke-linecap: round;
    stroke-width: 3;
    vector-effect: non-scaling-stroke;
}

.chart-months {
    color: #5f6b80;
    display: flex;
    font-size: 10px;
    justify-content: space-between;
    padding-top: 5px;
}

.allocation-content {
    align-items: center;
    display: flex;
    gap: 25px;
    justify-content: center;
    padding-top: 12px;
}

.allocation-donut {
    align-items: center;
    background: conic-gradient(var(--primary) 0 38%, #8298ed 38% 65%, #b1bde9 65% 85%, #dce2f4 85% 100%);
    border-radius: 50%;
    display: flex;
    flex: 0 0 150px;
    height: 150px;
    justify-content: center;
    position: relative;
    width: 150px;
}

.allocation-donut::before {
    background: #fff;
    border-radius: 50%;
    content: "";
    height: 105px;
    position: absolute;
    width: 105px;
}

.allocation-donut > div {
    align-items: center;
    display: flex;
    flex-direction: column;
    position: relative;
    z-index: 1;
}

.allocation-donut strong {
    color: var(--loan-ink);
    font-family: Jost, sans-serif;
    font-size: 20px;
}

.allocation-donut small {
    color: var(--loan-muted);
    font-size: 11px;
}

.allocation-legend {
    list-style: none;
    margin: 0;
    padding: 0;
    width: 100%;
}

.allocation-legend li {
    align-items: center;
    color: var(--loan-muted);
    display: flex;
    font-size: 11px;
    gap: 8px;
    padding: 7px 0;
}

.allocation-legend li strong {
    color: var(--loan-ink);
    margin-left: auto;
}

.allocation-dot {
    border-radius: 50%;
    display: inline-block;
    flex: 0 0 9px;
    height: 9px;
    width: 9px;
}

.allocation-one { background: var(--primary); }
.allocation-two { background: #8298ed; }
.allocation-three { background: #b1bde9; }
.allocation-four { background: #dce2f4; }

.opportunities-section {
    background: #f7f8fc;
}

.opportunity-toolbar {
    align-items: center;
    background: #fff;
    border: 1px solid var(--loan-border);
    border-radius: 8px;
    display: flex;
    flex-wrap: wrap;
    gap: 13px;
    margin-bottom: 19px;
    padding: 12px;
}

.opportunity-search {
    align-items: center;
    border: 1px solid var(--loan-border);
    border-radius: 5px;
    color: #5f6b80;
    display: flex;
    flex: 1 1 250px;
    gap: 9px;
    min-height: 40px;
    padding: 0 12px;
}

.opportunity-search input {
    border: 0;
    color: var(--loan-ink);
    font-size: 12px;
    min-width: 0;
    outline: none;
    width: 100%;
}

.opportunity-toolbar > label:not(.opportunity-search) {
    align-items: center;
    color: var(--loan-muted);
    display: flex;
    font-size: 12px;
    gap: 8px;
}

.opportunity-toolbar select {
    background: #fff;
    border: 1px solid var(--loan-border);
    border-radius: 5px;
    color: #49566b;
    font-size: 12px;
    min-height: 40px;
    padding: 0 26px 0 10px;
}

.opportunity-toolbar .btn-link {
    margin-left: auto;
}

.opportunity-card {
    padding: 21px;
    transition: box-shadow .2s ease, transform .2s ease;
}

.opportunity-card:hover {
    box-shadow: 0 12px 30px rgba(1,26,65,.09);
    transform: translateY(-2px);
}

.business-icon {
    align-items: center;
    border-radius: 9px;
    display: inline-flex;
    font-family: Jost, sans-serif;
    font-size: 18px;
    height: 43px;
    justify-content: center;
    width: 43px;
}

.business-bloom { background: #eaf3e9; color: #365e43; }
.business-northstar { background: #eef0fb; color: #505783; }
.business-harbor { background: #fff0e8; color: #87502f; }
.business-cedar { background: #f2ecdf; color: #6f572f; }

.verified-pill {
    background: #edf2ff;
    border-radius: 20px;
    color: #2346c5;
    font-size: 10px;
    margin-left: auto;
    padding: 6px 9px;
}

.save-opportunity {
    background: transparent;
    border: 0;
    color: #5f6b80;
    font-size: 23px;
    line-height: 1;
    margin-left: 12px;
}

.save-opportunity.saved {
    color: #a92c05;
}

.loan-category {
    color: #5f6b80;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .9px;
}

.opportunity-card h3 {
    color: var(--loan-ink);
}

.loan-description {
    font-size: 12px;
    min-height: 38px;
}

.loan-facts {
    border-bottom: 1px solid var(--loan-border);
    border-top: 1px solid var(--loan-border);
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    margin-top: 16px;
    padding: 13px 0;
}

.loan-facts > div {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.loan-facts small {
    color: #606b7e;
    font-size: 10px;
}

.loan-facts strong {
    color: #39475c;
    font-size: 13px;
}

.risk-label {
    border-radius: 12px;
    font-size: 10px;
    font-weight: 600;
    padding: 4px 8px;
}

.risk-low { background: #eaf5ee; color: #285d45; }
.risk-medium { background: #fff4e2; color: #75500e; }
.risk-elevated { background: #fae9e5; color: #833c30; }

.funding-label {
    color: #5f6b80;
    display: flex;
    font-size: 10px;
    justify-content: space-between;
    margin: 13px 0 6px;
}

.funding-track {
    background: #edf0f5;
    border-radius: 8px;
    height: 6px;
    overflow: hidden;
}

.funding-track span {
    background: var(--primary);
    border-radius: inherit;
    display: block;
    height: 100%;
}

.journey-steps {
    counter-reset: journey;
}

.journey-step {
    border-left: 2px solid var(--primary);
    height: 100%;
    padding: 4px 0 4px 18px;
}

.journey-step > span {
    color: var(--primary);
    display: block;
    font-family: Jost, sans-serif;
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 10px;
}

.journey-step h3 {
    color: var(--loan-ink);
}

.journey-step p {
    color: var(--loan-muted);
    font-size: 12px;
    line-height: 1.7;
    margin-bottom: 0;
}

.business-cta {
    background: var(--dark);
}

.business-cta p:not(.d-inline-block) {
    max-width: 720px;
}

.review-stamp {
    align-items: flex-start;
    background: #fff;
    border-left: 4px solid var(--primary);
    border-radius: 5px;
    bottom: 24px;
    box-shadow: 0 10px 30px rgba(1,26,65,.14);
    display: flex;
    flex-direction: column;
    left: 24px;
    padding: 13px 16px;
    position: absolute;
}

.review-stamp i {
    color: var(--primary);
    margin-bottom: 6px;
}

.review-stamp strong {
    color: var(--loan-ink);
    font-size: 13px;
}

.review-stamp span {
    color: #606b7e;
    font-size: 10px;
    margin-top: 4px;
}

.trust-list p {
    font-size: 13px;
    margin-bottom: 13px;
}

.risk-section {
    background: #f5f7fc;
}

.risk-copy {
    background: #fff;
    border: 1px solid var(--loan-border);
    border-left: 4px solid var(--primary);
    border-radius: 7px;
    padding: 22px;
}

.risk-copy p {
    color: #68758a;
    font-size: 12px;
    line-height: 1.8;
}

.risk-copy strong {
    color: #35445c;
}

.footer-risk {
    border-left: 2px solid #9aaccb;
    color: #e1e6ef;
    font-size: 11px;
    padding-left: 11px;
}

.footer .btn.btn-link {
    font-size: 13px;
}

.modal-terms {
    background: #f6f7fb;
    border-radius: 5px;
    margin-bottom: 17px;
    padding: 4px 13px;
}

.modal-terms > div {
    align-items: center;
    border-bottom: 1px solid #e8ebf1;
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
}

.modal-terms > div:last-child {
    border-bottom: 0;
}

.modal-terms span,
.modal-terms strong {
    font-size: 12px;
}

.modal-terms span {
    color: #788397;
}

.modal-terms strong {
    color: #334159;
}

.estimate-copy {
    color: #657187;
    font-size: 12px;
}

.estimate-copy strong {
    color: var(--primary);
}

.estimate-copy small {
    color: #606b7e;
    display: block;
    font-size: 10px;
    margin-top: 5px;
}

.form-check-label {
    color: #657187;
    font-size: 12px;
}

.form-check-input:checked {
    background-color: var(--primary);
    border-color: var(--primary);
}

.modal-demo-note {
    color: #606b7e;
    font-size: 10px;
}

.prototype-toast {
    background: var(--dark);
    border-radius: 5px;
    bottom: 24px;
    box-shadow: 0 8px 24px rgba(1,26,65,.2);
    color: #fff;
    font-size: 13px;
    max-width: calc(100% - 32px);
    opacity: 0;
    padding: 13px 18px;
    pointer-events: none;
    position: fixed;
    right: 24px;
    transform: translateY(8px);
    transition: opacity .2s, transform .2s;
    z-index: 1080;
}

.prototype-toast.show {
    opacity: 1;
    transform: translateY(0);
}

.navbar .btn {
    font-size: 13px;
}

.btn-primary,
.btn-primary:hover,
.btn-primary:focus,
.btn-primary:active {
    color: #fff;
}

.btn-outline-primary {
    color: #2346c5;
}

.btn-outline-primary:hover,
.btn-outline-primary:focus {
    background: #2346c5;
    border-color: #2346c5;
    color: #fff;
}

.btn-primary:disabled,
.btn-primary.disabled {
    background: #5f6b80;
    border-color: #5f6b80;
    color: #fff;
    opacity: 1;
}

.btn:focus-visible,
.form-control:focus-visible,
.form-select:focus-visible,
.form-check-input:focus-visible,
.save-opportunity:focus-visible {
    outline: 3px solid #18338f;
    outline-offset: 3px;
}

@media (max-width: 991.98px) {
    .hero-wrap {
        padding-top: 90px !important;
    }

    .container-fluid.fixed-top .navbar-collapse {
        background: #fff;
        border-top: 1px solid #dce2ed;
        box-shadow: 0 8px 15px rgba(1,26,65,.1);
        margin-top: 8px;
    }

    .hero-proof .row > div:nth-child(2) {
        border-right: 0;
    }

    .allocation-content {
        gap: 18px;
    }
}

@media (max-width: 767.98px) {
    .hero-wrap .carousel-caption {
        background: rgba(1,26,65,.78);
        padding: 22px 0;
    }

    .hero-wrap .carousel-caption h1,
    .hero-wrap .carousel-caption h2 {
        font-size: 39px;
    }

    .hero-copy {
        font-size: 14px;
    }

    .hero-proof {
        margin-top: -20px;
        padding: 17px;
    }

    .hero-proof .row > div:nth-child(even) {
        border-right: 0;
    }

    .hero-proof strong {
        font-size: 15px;
    }

    .hero-proof span {
        font-size: 10px;
    }

    .theme-panel {
        padding: 17px;
    }

    .allocation-content {
        flex-direction: column;
    }

    .allocation-legend {
        max-width: 270px;
    }

    .opportunity-toolbar {
        align-items: stretch;
    }

    .opportunity-toolbar > label:not(.opportunity-search) {
        flex: 1 1 42%;
        justify-content: space-between;
    }

    .opportunity-toolbar select {
        max-width: 140px;
    }

    .opportunity-toolbar .btn-link {
        margin-left: 0;
    }

    .repayment-line {
        gap: 8px;
        grid-template-columns: 1fr auto;
    }

    .repayment-line > div {
        grid-column: 1 / -1;
        grid-row: 2;
    }

    .repayment-line > strong {
        justify-self: end;
    }

    .repayment-line > .loan-status {
        grid-column: 1 / -1;
        justify-self: start;
    }

    .wallet-preview {
        align-items: flex-start;
    }
}

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

    *,
    *::before,
    *::after {
        transition-duration: .01ms !important;
    }
}

/* ---- Nigeria launch, calculator, tabs, auth pages ---- */
.expansion-notice {
    align-items: center;
    background: var(--loan-soft);
    border: 1px solid var(--loan-border);
    border-left: 4px solid var(--loan-blue);
    border-radius: 8px;
    color: var(--loan-ink);
    display: flex;
    flex-wrap: wrap;
    gap: .75rem 1rem;
    padding: .85rem 1.1rem;
}

.expansion-flag {
    background: var(--loan-blue);
    border-radius: 999px;
    color: #fff;
    font-size: .8rem;
    font-weight: 700;
    padding: .2rem .7rem;
}

.footer-notice {
    color: #fff;
    font-weight: 600;
}

.role-switcher {
    align-items: center;
    color: var(--loan-muted);
    display: flex;
    flex-wrap: wrap;
    font-weight: 600;
    gap: .75rem;
}

.role-switcher .btn.active {
    background: var(--loan-blue);
    color: #fff;
}

.category-tabs .nav-link {
    background: #fff;
    border: 1px solid var(--loan-border);
    border-radius: 999px;
    color: var(--loan-ink);
    margin: 0 .25rem .5rem;
    padding: .45rem 1rem;
}

.category-tabs .nav-link.active {
    background: var(--loan-blue);
    border-color: var(--loan-blue);
    color: #fff;
}

.calc-field {
    margin-bottom: 1.5rem;
}

.calc-monthly {
    color: var(--loan-blue);
    font-family: "Jost", sans-serif;
    font-size: clamp(2rem, 6vw, 3rem);
    font-weight: 700;
    line-height: 1.1;
    overflow-wrap: anywhere;
}

.calc-results .theme-stat strong {
    overflow-wrap: anywhere;
}

.signup-banner {
    align-items: center;
    background: var(--loan-blue);
    border-radius: 10px;
    color: #fff;
    display: flex;
    flex-wrap: wrap;
    gap: 1.25rem 2rem;
    justify-content: space-between;
    padding: 1.75rem 2rem;
}

.signup-banner h2 {
    color: #fff;
}

.auth-page {
    padding-bottom: 3rem;
    padding-top: 11rem;
}

.auth-page .role-choice .btn {
    flex: 1 1 0;
    padding: .75rem 1rem;
}

.auth-page .form-text a,
.auth-page .form-check-label a {
    color: var(--loan-blue);
    font-weight: 600;
}

.auth-benefits li {
    margin-bottom: .75rem;
}

@media (max-width: 991.98px) {
    .auth-page {
        padding-top: 7rem;
    }
}