:root {
    --green: #147a52;
    --green-dark: #0d5c3d;
    --purple: #3b1466;
    --mint: #eef8f3;
    --paper: #f7fbf9;
    --ink: #1c2430;
    --muted: #5b6775;
    --line: #d7e6dd;
    --white: #fff;
    --danger: #b42318;
    --shadow: 0 18px 50px rgba(20, 80, 50, .12);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
    font-family: "Plus Jakarta Sans", "Segoe UI", sans-serif;
    color: var(--ink);
    background: var(--paper);
    line-height: 1.6;
}
a { color: var(--green-dark); text-decoration: none; }
img { max-width: 100%; }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.narrow { width: min(760px, 100%); }

.site-header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: rgba(247, 251, 249, .98);
    border-bottom: 1px solid var(--line);
    overflow: visible;
}
.nav-wrap { display: flex; align-items: center; gap: 24px; min-height: 74px; }
.brand { display: flex; align-items: center; }
.brand img { display: block; height: 42px; width: auto; }
.site-nav { display: flex; align-items: center; gap: 18px; margin-left: auto; }
.site-nav a, .site-nav button {
    background: none;
    border: 0;
    font: inherit;
    color: var(--ink);
    cursor: pointer;
    font-weight: 600;
}
.has-sub {
    position: relative;
    align-self: stretch;
    display: flex;
    align-items: center;
}
.has-sub > button { height: 100%; padding: 0 2px; }
.has-sub .sub {
    display: none;
    position: absolute;
    top: calc(100% - 2px);
    left: 0;
    z-index: 50;
    min-width: 200px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 8px;
    box-shadow: var(--shadow);
}
.has-sub:hover .sub,
.has-sub:focus-within .sub,
.has-sub.open .sub { display: grid; }
.has-sub .sub a { padding: 8px 10px; border-radius: 8px; }
.has-sub .sub a:hover { background: var(--mint); }
.nav-actions { display: flex; align-items: center; gap: 14px; }
.phone { font-weight: 700; color: var(--green-dark); }
.nav-toggle { display: none; margin-left: auto; font-size: 24px; background: none; border: 0; }

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    padding: 12px 20px;
    font-weight: 700;
    border: 1px solid transparent;
}
.btn-primary { background: var(--green-dark); color: var(--white); }
.btn-primary:hover { background: var(--green); color: var(--white); }
.btn-ghost { background: var(--white); border-color: var(--line); color: var(--green-dark); }
.btn-block { width: 100%; }

.hero { padding: 56px 0 28px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 36px; align-items: start; }
.pill {
    display: inline-block;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 6px 12px;
    font-size: 13px;
    font-weight: 700;
    color: var(--green-dark);
}
h1, h2, h3 { font-family: inherit; color: var(--purple); line-height: 1.2; }
h1 { font-size: clamp(2rem, 4vw, 3.3rem); margin: 14px 0; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 540px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 22px 0; }
.loan-chips { display: flex; gap: 8px; flex-wrap: wrap; }
.loan-chips a {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 8px 12px;
    font-size: 13px;
    font-weight: 600;
}

.hero-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 24px;
    box-shadow: var(--shadow);
}
.hero-card h2 { margin-top: 0; }
.sticky { position: sticky; top: 92px; }

.enquiry-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.enquiry-form label { display: grid; gap: 6px; font-size: 13px; font-weight: 700; margin-bottom: 12px; }
.enquiry-form input, .enquiry-form select, .enquiry-form textarea {
    width: 100%;
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 11px 12px;
    font: inherit;
    background: #fbfefc;
}
.hp { position: absolute; left: -9999px; }
.fineprint { font-size: 12px; color: var(--muted); }
.alert { border-radius: 12px; padding: 10px 12px; margin: 0 0 12px; }
.alert.success { background: #e8f6ee; color: var(--green-dark); }
.alert.error { background: #fde8e6; color: var(--danger); }

.stats { padding: 10px 0 40px; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.stats-grid article {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 18px;
    text-align: center;
}
.stats-grid strong { display: block; font-size: 1.4rem; color: var(--green-dark); }

.section { padding: 28px 0 56px; }
.section.alt { background: var(--mint); }
.center { text-align: center; }
.center-text { margin-top: 28px; }
.muted { color: var(--muted); }
.steps, .product-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 24px; }
.steps article, .product-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 18px;
}
.steps span {
    width: 32px; height: 32px; border-radius: 50%;
    display: inline-grid; place-items: center;
    background: var(--green); color: #fff; font-weight: 800;
}
.product-card { display: block; color: inherit; transition: transform .15s ease; }
.product-card:hover { transform: translateY(-3px); }
.product-card span { color: var(--green-dark); font-weight: 700; }

.page-hero { padding: 48px 0 12px; }
.eyebrow { font-weight: 800; color: var(--green); letter-spacing: .04em; text-transform: uppercase; font-size: 12px; }
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 28px; align-items: start; }
.prose :where(p, ul) { color: var(--muted); }
.prose ul { padding-left: 18px; }
.contact-box {
    margin-top: 24px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 18px;
}

.site-footer { background: #10241b; color: #d7ece1; padding: 42px 0 18px; }
.site-footer h3 { color: #fff; }
.site-footer a { color: #d7ece1; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 24px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin: 8px 0; }
.copyright { border-top: 1px solid rgba(255,255,255,.12); margin-top: 24px; padding-top: 16px; font-size: 13px; }

@media (max-width: 900px) {
    .nav-toggle { display: block; }
    .site-nav, .nav-actions { display: none; }
    .site-nav.open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 74px; left: 0; right: 0;
        background: #fff;
        padding: 16px;
        border-bottom: 1px solid var(--line);
        align-items: flex-start;
        z-index: 25;
    }
    .site-nav.open .has-sub { display: block; height: auto; }
    .site-nav.open .has-sub .sub {
        position: static;
        display: none;
        border: 0;
        box-shadow: none;
        padding: 6px 0 6px 12px;
    }
    .site-nav.open .has-sub.open .sub,
    .site-nav.open .has-sub:focus-within .sub { display: grid; }
    .hero-grid, .split, .stats-grid, .steps, .product-grid, .footer-grid, .enquiry-form .form-row {
        grid-template-columns: 1fr;
    }
    .sticky { position: static; }
}