/* ============================================================
   SPEEDY FINANCE — PAGE TEMPLATES STYLESHEET
   Styles for the custom page templates (home, secured loans,
   bridging, brokers, contact, complaints, about).
   ============================================================ */

/* ── Shared section primitives (used across page templates) ── */
.section {
  padding: 80px 32px;
}
.section-inner {
  max-width: 1180px;
  margin: 0 auto;
}
.section-label {
  font-family: var(--sf-font-head);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--sf-cyan);
  margin-bottom: 14px;
}
.section-heading {
  font-family: var(--sf-font-head);
  font-size: clamp(1.8rem, 3.2vw, 2.6rem);
  font-weight: 800;
  color: var(--sf-navy);
  line-height: 1.15;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}
.section-sub {
  font-size: 1.05rem;
  color: var(--sf-muted);
  line-height: 1.7;
  max-width: 680px;
}
.text-center { text-align: center; }
.text-center .section-sub { margin-left: auto; margin-right: auto; }

/* Buttons used in page templates */
.btn-outline-white {
  background: transparent;
  color: var(--sf-white);
  border: 2.5px solid rgba(255,255,255,0.7);
}
.btn-outline-white:hover,
.btn-outline-white:focus {
  background: var(--sf-white);
  color: var(--sf-navy);
  border-color: var(--sf-white);
}
.btn-cyan-large {
  display: inline-block;
  background: var(--sf-cyan);
  color: var(--sf-white);
  padding: 18px 56px;
  font-family: var(--sf-font-head);
  font-weight: 800;
  font-size: 1rem;
  letter-spacing: 0.12em;
  border-radius: 12px;
  text-decoration: none;
  margin-top: 36px;
  transition: all var(--sf-transition);
}
.btn-cyan-large:hover {
  background: var(--sf-cyan-dark);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,174,239,0.4);
  color: var(--sf-white);
}

/* ============================================================
   HOME PAGE
   ============================================================ */

/* Hero */
.hero-home {
  position: relative;
  min-height: 640px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-home-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://speedyfinandev.wpenginepowered.com/wp-content/uploads/2026/04/speedy-finance-home-page-24-1.jpg');
  background-size: cover;
  background-position: center 30%;
}
.hero-home-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    110deg,
    rgba(0,22,32,0.78) 0%,
    rgba(0,40,58,0.68) 50%,
    rgba(0,50,72,0.42) 100%
  );
}
.hero-home-stripe {
  position: absolute;
  top: 0;
  left: 0;
  width: 6px;
  height: 100%;
  background: var(--sf-cyan);
  opacity: 0.85;
}
.hero-home-content {
  position: relative;
  z-index: 2;
  max-width: 1180px;
  margin: 0 auto;
  padding: 80px 32px;
  width: 100%;
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-home-left h1 {
  font-family: var(--sf-font-head);
  font-size: clamp(2.3rem, 4.5vw, 3.6rem);
  font-weight: 800;
  color: var(--sf-white);
  line-height: 1.08;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}
.hero-home-left h1 span { color: var(--sf-cyan); }
.hero-home-sub {
  font-size: 1.15rem;
  font-weight: 700;
  color: rgba(255,255,255,0.92);
  margin-bottom: 28px;
  max-width: 560px;
}
.hero-checklist {
  list-style: none;
  margin: 0 0 36px 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.hero-checklist li {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.94);
  font-size: 0.97rem;
  font-weight: 600;
}
.check-dot {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  background: var(--sf-cyan);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.check-dot svg {
  width: 13px;
  height: 13px;
}
.hero-home-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* 22 Year badge */
.hero-badge-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-badge-wrap::before {
  content: '';
  position: absolute;
  inset: -20px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,174,239,0.28) 0%, transparent 70%);
  pointer-events: none;
}
.hero-badge-img {
  position: relative;
  width: 100%;
  max-width: 320px;
  height: auto;
  display: block;
  filter: drop-shadow(0 12px 32px rgba(0,0,0,0.4));
  z-index: 2;
}

/* Intro section */
.intro-section {
  background: var(--sf-white);
}
.intro-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: center;
}
.intro-grid .section-label { margin-bottom: 14px; }
.use-cases-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 16px;
  margin-top: 30px;
}
.uc-item {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--sf-light-bg);
  border: 1px solid var(--sf-border);
  border-radius: 10px;
  padding: 14px 18px;
  font-family: var(--sf-font-head);
  font-weight: 600;
  font-size: 0.93rem;
  color: var(--sf-navy);
}
.uc-dot {
  width: 8px;
  height: 8px;
  flex-shrink: 0;
  background: var(--sf-cyan);
  border-radius: 50%;
}
.intro-image-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.intro-image-wrap img {
  width: 100%;
  max-width: 520px;
  height: auto;
  display: block;
}
.intro-stat-pill {
  position: absolute;
  bottom: 40px;
  left: 0;
  background: var(--sf-navy);
  color: white;
  border-left: 4px solid var(--sf-cyan);
  border-radius: 12px;
  padding: 16px 22px;
  font-family: var(--sf-font-head);
  box-shadow: 0 12px 32px rgba(0,0,0,0.2);
}
.pill-num {
  display: block;
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--sf-cyan);
  line-height: 1;
  letter-spacing: -0.02em;
}
.pill-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255,255,255,0.78);
  margin-top: 4px;
}

/* Why Choose section (navy bg) */
.why-section {
  background: var(--sf-navy);
  position: relative;
  overflow: hidden;
}
.why-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -120px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(0,174,239,0.14) 0%, transparent 70%);
  pointer-events: none;
}
.why-section .section-label { color: var(--sf-cyan); }
.why-section .section-heading { color: var(--sf-white); }
.why-section .section-sub { color: rgba(255,255,255,0.65); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-top: 48px;
  position: relative;
  z-index: 2;
}
.why-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 16px;
  padding: 32px 26px;
  text-align: center;
  transition: all .25s ease;
}
.why-card:hover {
  background: rgba(0,174,239,0.12);
  border-color: var(--sf-cyan);
  transform: translateY(-4px);
}
.why-icon-wrap {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  background: rgba(0,174,239,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.why-icon-wrap img {
  width: 44px;
  height: 44px;
  object-fit: contain;
}
.why-card h3 {
  font-family: var(--sf-font-head);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--sf-white);
  margin-bottom: 12px;
  line-height: 1.3;
}
.why-card p {
  font-size: 0.93rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.65;
}

/* Process section (photo bg + dark overlay) */
.process-section {
  position: relative;
  padding: 90px 32px;
  overflow: hidden;
}
.process-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://speedyfinandev.wpenginepowered.com/wp-content/uploads/2026/04/sf-bg-our-process.jpg');
  background-size: cover;
  background-position: center;
}
.process-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(rgba(0,22,32,0.78), rgba(0,22,32,0.78));
}
.process-content {
  position: relative;
  z-index: 2;
  max-width: 1180px;
  margin: 0 auto;
  text-align: center;
}
.process-section .section-label { color: var(--sf-cyan); }
.process-section .section-heading { color: var(--sf-white); }
.process-section .section-sub {
  color: rgba(255,255,255,0.85);
  margin-left: auto;
  margin-right: auto;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
}
.process-step {
  text-align: center;
}
.step-icon {
  width: 96px;
  height: 96px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.step-icon img {
  width: 80px;
  height: 80px;
  object-fit: contain;
}
.process-step h3 {
  font-family: var(--sf-font-head);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--sf-white);
  margin-bottom: 12px;
  line-height: 1.3;
}
.process-step p {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.65;
  max-width: 320px;
  margin: 0 auto;
}

/* ============================================================
   PRODUCT PAGES (Secured, Bridging) — shared hero + sections
   ============================================================ */

/* Hero with right-side info card */
.hero-product {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-product-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 30%;
}
.hero-product-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    110deg,
    rgba(0,22,32,0.80) 0%,
    rgba(0,40,58,0.72) 50%,
    rgba(0,50,72,0.50) 100%
  );
}
.hero-product-content {
  position: relative;
  z-index: 2;
  max-width: 1180px;
  margin: 0 auto;
  padding: 80px 32px;
  width: 100%;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-product h1 {
  font-family: var(--sf-font-head);
  font-size: clamp(2.1rem, 3.8vw, 3.1rem);
  font-weight: 800;
  color: var(--sf-white);
  line-height: 1.12;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}
.hero-product h1 .accent { color: var(--sf-cyan); }
.hero-product-sub {
  font-size: 1.1rem;
  font-weight: 700;
  color: rgba(255,255,255,0.92);
  margin-bottom: 28px;
}
.hero-product-checklist {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin: 0 0 36px 0;
  padding: 0;
}
.hero-product-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.92);
  font-size: 0.96rem;
  font-weight: 600;
}

/* Eligibility card */
.eligibility-card {
  background: var(--sf-white);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.3);
}
.elig-card-header {
  background: var(--sf-cyan);
  color: var(--sf-white);
  padding: 20px 28px;
  font-family: var(--sf-font-head);
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.01em;
}
.elig-card-body {
  padding: 24px 28px 28px;
}
.elig-card-list {
  list-style: none;
  margin: 0 0 24px 0;
  padding: 0;
}
.elig-card-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 0;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--sf-body);
  border-bottom: 1px solid var(--sf-border);
}
.elig-card-list li:last-child { border-bottom: none; }
.elig-check-green {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  background: var(--sf-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.elig-check-green svg {
  width: 13px;
  height: 13px;
}
.elig-card-cta {
  display: block;
  width: 100%;
  background: var(--sf-cyan);
  color: var(--sf-white);
  text-align: center;
  padding: 14px;
  font-family: var(--sf-font-head);
  font-weight: 800;
  font-size: 0.95rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: 10px;
  transition: all var(--sf-transition);
}
.elig-card-cta:hover {
  background: var(--sf-cyan-dark);
  transform: translateY(-2px);
  color: var(--sf-white);
}

/* Intro prose section (centred) */
.intro-prose-section {
  background: var(--sf-white);
  padding: 72px 32px 40px;
}
.intro-prose-inner {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}
.intro-prose-inner .section-label { margin-bottom: 14px; }
.intro-prose-inner p {
  font-size: 1.1rem;
  color: var(--sf-muted);
  line-height: 1.75;
  margin-top: 20px;
}

/* How It Works (2-col with circular image) */
.how-section {
  background: var(--sf-white);
  padding: 60px 32px 84px;
}
.how-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.how-copy p {
  font-size: 1rem;
  color: var(--sf-body);
  line-height: 1.75;
  margin-bottom: 18px;
}
.how-copy p strong {
  color: var(--sf-navy);
  font-weight: 700;
}
.how-image-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
}
.how-image-wrap img {
  width: 100%;
  max-width: 500px;
  height: auto;
  display: block;
}

/* Use cases card grid */
.usecases-section {
  background: var(--sf-light-bg);
}
.usecases-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.usecase-card {
  background: var(--sf-white);
  border: 1px solid var(--sf-border);
  border-radius: 14px;
  padding: 36px 24px 32px;
  text-align: center;
  transition: all .25s ease;
}
.usecase-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 44px rgba(0,34,46,0.1);
  border-color: var(--sf-cyan);
}
.usecase-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 22px;
  background: rgba(0,174,239,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--sf-cyan);
}
.usecase-icon svg {
  width: 38px;
  height: 38px;
}
.usecase-card h3 {
  font-family: var(--sf-font-head);
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--sf-navy);
  margin-bottom: 12px;
  line-height: 1.3;
}
.usecase-card p {
  font-size: 1rem;
  color: var(--sf-muted);
  line-height: 1.65;
}

/* Mid-page CTA band */
.cta-band {
  background: var(--sf-cyan);
  padding: 44px 32px;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  pointer-events: none;
}
.cta-band-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  position: relative;
  z-index: 2;
  flex-wrap: wrap;
}
.cta-band-text h3 {
  font-family: var(--sf-font-head);
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--sf-white);
  line-height: 1.2;
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.cta-band-text p {
  font-size: 1rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
}
.cta-band-btn {
  background: var(--sf-white);
  color: var(--sf-navy);
  padding: 15px 38px;
  font-size: 1rem;
}
.cta-band-btn:hover {
  background: var(--sf-navy);
  color: var(--sf-white);
  transform: translateY(-2px);
}

/* Responsive for product pages */
@media (max-width: 1024px) {
  .hero-product-content { grid-template-columns: 1fr; }
  .how-inner { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 640px) {
  .hero-product-checklist { grid-template-columns: 1fr; }
  .usecases-grid { grid-template-columns: 1fr 1fr; }
  .cta-band-inner { flex-direction: column; align-items: flex-start; text-align: left; }
}

/* ============================================================
   END PRODUCT PAGES
   ============================================================ */

/* ============================================================
   HOME PAGE RESPONSIVE (was overwritten — re-adding)
   ============================================================ */
@media (max-width: 1024px) {
  .hero-home-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-badge-img { max-width: 240px; }
  .intro-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 640px) {
  .section { padding: 56px 20px; }
  .hero-home { min-height: auto; }
  .hero-home-content { padding: 56px 20px; }
  .hero-home-ctas { flex-direction: column; align-items: stretch; }
  .hero-home-ctas .btn { display: block; width: 100%; }
  .use-cases-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .process-section { padding: 56px 20px; }
}

/* ============================================================
   BRIDGING LOAN — uses 3-col use cases instead of 5
   ============================================================ */
.usecases-grid-3col {
  grid-template-columns: repeat(3, 1fr);
}
@media (max-width: 1024px) {
  .usecases-grid-3col { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .usecases-grid-3col { grid-template-columns: 1fr; }
}

/* ============================================================
   BROKERS PAGE
   ============================================================ */

/* Hero qualification pills */
.hero-quals {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
}
.hero-qual-pill {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 100px;
  padding: 8px 18px;
  color: var(--sf-white);
  font-size: 0.88rem;
  font-weight: 600;
  font-family: var(--sf-font-head);
}

/* Hero CTA group with phone secondary button */
.hero-product-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* Broker benefits 2x2 grid with icon + copy */
.broker-benefits-section {
  background: var(--sf-white);
}
.broker-benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 48px;
}
.broker-benefit-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 22px;
  background: var(--sf-light-bg);
  border: 1px solid var(--sf-border);
  border-radius: 14px;
  padding: 28px 28px;
  align-items: start;
  transition: all .25s ease;
}
.broker-benefit-card:hover {
  border-color: var(--sf-cyan);
  transform: translateY(-2px);
  box-shadow: 0 18px 44px rgba(0,34,46,0.08);
}
.bbc-icon {
  width: 64px;
  height: 64px;
  flex-shrink: 0;
  background: rgba(0,174,239,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--sf-cyan);
}
.bbc-icon svg {
  width: 30px;
  height: 30px;
}
.broker-benefit-card h3 {
  font-family: var(--sf-font-head);
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--sf-navy);
  margin: 0 0 8px 0;
  line-height: 1.3;
}
.broker-benefit-card p {
  font-size: 0.97rem;
  color: var(--sf-muted);
  line-height: 1.65;
}

/* ============================================================
   FORM SECTION (Brokers, Contact, Complaints)
   ============================================================ */
.form-section {
  background: var(--sf-light-bg);
  padding: 80px 32px;
  border-top: 4px solid var(--sf-cyan);
}
.form-inner {
  max-width: 880px;
  margin: 0 auto;
}
.form-heading {
  text-align: center;
  margin-bottom: 40px;
}
.form-heading h2 {
  font-family: var(--sf-font-head);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--sf-navy);
  line-height: 1.2;
  margin: 12px 0 14px 0;
  letter-spacing: -0.02em;
}
.form-heading p {
  font-size: 1.05rem;
  color: var(--sf-muted);
  line-height: 1.7;
  max-width: 600px;
  margin: 0 auto;
}
.form-card {
  background: var(--sf-white);
  border: 1px solid var(--sf-border);
  border-radius: 14px;
  padding: 40px 36px;
  box-shadow: 0 12px 32px rgba(0,34,46,0.06);
}

/* ============================================================
   CONTACT US PAGE — extra contact details card styling
   ============================================================ */
.contact-detail-block {
  padding: 14px 0;
  border-bottom: 1px solid var(--sf-border);
}
.contact-detail-block:last-child { border-bottom: none; }
.cdb-label {
  font-family: var(--sf-font-head);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--sf-cyan);
  margin-bottom: 6px;
}
.cdb-value {
  font-size: 1rem;
  font-weight: 600;
  color: var(--sf-navy);
  text-decoration: none;
  line-height: 1.5;
  display: block;
}
a.cdb-value:hover { color: var(--sf-cyan); }

/* ============================================================
   COMPLAINTS PAGE
   ============================================================ */

/* Subdued hero (no photo) */
.hero-subdued {
  background: linear-gradient(135deg, var(--sf-navy) 0%, var(--sf-navy-mid) 100%);
  position: relative;
  overflow: hidden;
}
.hero-subdued::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,174,239,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-subdued-content {
  position: relative;
  z-index: 2;
}
.hero-subdued-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 80px 32px;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-subdued h1 {
  font-family: var(--sf-font-head);
  font-size: clamp(2.1rem, 4vw, 3.1rem);
  font-weight: 800;
  color: var(--sf-white);
  line-height: 1.12;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}
.hero-subdued-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
  font-weight: 500;
}

/* Policy detail blocks */
.policy-section {
  background: var(--sf-white);
  padding: 80px 32px;
}
.policy-inner {
  max-width: 880px;
  margin: 0 auto;
}
.policy-block {
  margin-bottom: 56px;
}
.policy-block:last-child { margin-bottom: 0; }
.policy-block p {
  font-size: 1.02rem;
  color: var(--sf-body);
  line-height: 1.75;
  margin-bottom: 16px;
}
.policy-contact-list {
  list-style: none;
  margin: 18px 0;
  padding: 22px 26px;
  background: var(--sf-light-bg);
  border-left: 4px solid var(--sf-cyan);
  border-radius: 8px;
}
.policy-contact-list li {
  padding: 8px 0;
  color: var(--sf-body);
  font-size: 1rem;
}
.policy-contact-list li strong {
  color: var(--sf-navy);
  display: inline-block;
  min-width: 70px;
}
.policy-contact-list a {
  color: var(--sf-cyan);
  text-decoration: none;
  font-weight: 600;
}
.policy-contact-list a:hover { text-decoration: underline; }
.policy-numbered-list {
  margin: 18px 0 18px 22px;
  padding: 0;
}
.policy-numbered-list li {
  font-size: 1.02rem;
  color: var(--sf-body);
  line-height: 1.75;
  padding: 6px 0;
}

/* AFCA callout (navy bg) */
.afca-callout {
  background: var(--sf-navy);
  border-radius: 16px;
  padding: 44px 44px;
  margin-top: 40px;
  position: relative;
  overflow: hidden;
}
.afca-callout::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,174,239,0.16) 0%, transparent 70%);
  pointer-events: none;
}
.afca-content {
  position: relative;
  z-index: 2;
}
.afca-callout p {
  font-size: 1.02rem;
  line-height: 1.75;
  margin-bottom: 24px;
}
.afca-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 28px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 24px 28px;
  margin-top: 20px;
}
.afca-detail-block {}
.afca-detail-full { grid-column: 1 / -1; }
.afca-label {
  font-family: var(--sf-font-head);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--sf-cyan);
  margin-bottom: 6px;
}
.afca-value {
  font-size: 1rem;
  font-weight: 600;
  color: var(--sf-white);
  text-decoration: none;
  line-height: 1.5;
  display: block;
}
a.afca-value:hover { color: var(--sf-cyan); }

/* ============================================================
   ABOUT US PAGE
   ============================================================ */

/* Hero with badge focal point */
.hero-about-content { align-items: center; }
.hero-about .hero-badge-img {
  max-width: 380px;
}

/* Facts grid */
.about-facts-section {
  background: var(--sf-white);
}
.about-facts-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.fact-card {
  background: var(--sf-light-bg);
  border: 1px solid var(--sf-border);
  border-radius: 14px;
  padding: 36px 28px;
  text-align: center;
  transition: all .25s ease;
}
.fact-card:hover {
  border-color: var(--sf-cyan);
  transform: translateY(-3px);
  box-shadow: 0 18px 44px rgba(0,34,46,0.08);
}
.fact-num {
  font-family: var(--sf-font-head);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--sf-cyan);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}
.fact-label {
  font-family: var(--sf-font-head);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--sf-navy);
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}
.fact-card p {
  font-size: 0.92rem;
  color: var(--sf-muted);
  line-height: 1.6;
}

/* Mission/Vision/Values pillars */
.about-mvv-section {
  background: var(--sf-navy);
  position: relative;
  overflow: hidden;
}
.about-mvv-section::before {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,174,239,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.about-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 40px;
  position: relative;
  z-index: 2;
}
.about-pillar {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 36px 28px;
  text-align: center;
}
.pillar-icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 20px;
  background: rgba(0,174,239,0.18);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--sf-cyan);
}
.pillar-icon svg {
  width: 34px;
  height: 34px;
}
.about-pillar h3 {
  font-family: var(--sf-font-head);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--sf-white);
  margin-bottom: 14px;
  letter-spacing: -0.01em;
}
.about-pillar p {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.65;
}

/* Values pills */
.values-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  position: relative;
  z-index: 2;
}
.value-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 100px;
  padding: 10px 22px;
  color: var(--sf-white);
  font-family: var(--sf-font-head);
  font-size: 0.92rem;
  font-weight: 600;
}
.value-dot {
  width: 8px;
  height: 8px;
  background: var(--sf-cyan);
  border-radius: 50%;
}

/* Responsive — all new sections */
@media (max-width: 1024px) {
  .broker-benefits-grid { grid-template-columns: 1fr; }
  .hero-subdued-inner { grid-template-columns: 1fr; gap: 40px; }
  .about-facts-grid { grid-template-columns: 1fr 1fr; }
  .about-pillars { grid-template-columns: 1fr; }
  .afca-details { grid-template-columns: 1fr; }
  .afca-detail-full { grid-column: auto; }
}
@media (max-width: 640px) {
  .form-section { padding: 56px 20px; }
  .form-card { padding: 28px 22px; }
  .policy-section { padding: 56px 20px; }
  .afca-callout { padding: 32px 24px; }
  .hero-subdued-inner { padding: 56px 20px; }
  .about-facts-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   APPLY NOW PAGE — numbered process steps (3-col)
   ============================================================ */
.apply-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 16px;
}
.apply-step {
  background: var(--sf-white);
  border: 1px solid var(--sf-border);
  border-radius: 14px;
  padding: 36px 30px 32px;
  text-align: left;
  position: relative;
  transition: all .25s ease;
}
.apply-step:hover {
  border-color: var(--sf-cyan);
  transform: translateY(-3px);
  box-shadow: 0 18px 44px rgba(0,34,46,0.08);
}
.apply-step-num {
  font-family: var(--sf-font-head);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--sf-cyan);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.apply-step h3 {
  font-family: var(--sf-font-head);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--sf-navy);
  margin-bottom: 12px;
  line-height: 1.3;
}
.apply-step p {
  font-size: 1rem;
  color: var(--sf-muted);
  line-height: 1.65;
}

/* Form disclaimer line below the form */
.form-disclaimer {
  text-align: center;
  font-size: 0.88rem;
  color: var(--sf-muted);
  line-height: 1.6;
  margin-top: 24px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.form-disclaimer a {
  color: var(--sf-cyan);
  text-decoration: none;
  font-weight: 600;
}
.form-disclaimer a:hover { text-decoration: underline; }

@media (max-width: 1024px) {
  .apply-steps-grid { grid-template-columns: 1fr; }
}