/* Kredilo — Glass design system. Responsive port of the approved mockup. */
:root{
  --ink:#0E1512; --ink-2:#3d4a44; --muted:#8a938c;
  --blue:#185FA5; --blue-2:#2f7fd0; --green:#1D9E75; --green-d:#0f7a56; --green-l:#3bbf94; --gold:#EF9F27;
  --glass:rgba(255,255,255,.45); --glass-2:rgba(255,255,255,.62); --glass-line:rgba(255,255,255,.62);
  --dark-glass:rgba(16,26,22,.58);
  --radius:26px; --radius-sm:16px; --shadow:0 14px 44px rgba(20,40,60,.10); --shadow-lg:0 20px 60px rgba(20,40,60,.16);
  --maxw:1320px; --gap:14px;
  --font:'Manrope','Noto Sans Devanagari',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;color:var(--ink);font-family:var(--font);line-height:1.5;
  background:#cfe0f0;
  background-image:linear-gradient(140deg,#d3ece1 0%,#cfe0f2 52%,#efe4cf 100%);
  background-attachment:fixed;overflow-x:hidden;
}
a{color:var(--green-d);text-decoration:none}
a:hover{color:var(--blue)}
img,svg{max-width:100%}
h1,h2,h3,h4{margin:0;letter-spacing:-.03em;line-height:1.05;font-weight:800}
p{margin:0}
button{font-family:inherit}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:10px 16px;border-radius:10px;z-index:200}
.skip:focus{left:14px}

/* Backdrop blobs */
.blobs{position:fixed;inset:0;overflow:hidden;z-index:0;pointer-events:none}
.blob{position:absolute;border-radius:50%;filter:blur(100px);opacity:.4;animation:blob 18s ease-in-out infinite}
.blob.b1{top:-80px;left:-60px;width:420px;height:420px;background:var(--green);opacity:.5}
.blob.b2{top:18%;right:-80px;width:460px;height:460px;background:var(--blue);opacity:.42;animation-duration:22s;animation-direction:reverse}
.blob.b3{top:52%;left:12%;width:480px;height:480px;background:var(--gold);opacity:.3;animation-duration:24s}
.blob.b4{top:82%;right:6%;width:440px;height:440px;background:var(--green);opacity:.32;animation-duration:20s;animation-direction:reverse}
@keyframes blob{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(24px,-20px) scale(1.08)}}

.wrap{position:relative;z-index:1;max-width:var(--maxw);margin:0 auto;padding:14px}
.panel{background:var(--glass);backdrop-filter:blur(22px);-webkit-backdrop-filter:blur(22px);border:1px solid var(--glass-line);border-radius:var(--radius);box-shadow:var(--shadow)}
.dark{background:var(--dark-glass);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border:1px solid rgba(255,255,255,.14);color:#fff;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.dark h1,.dark h2,.dark h3,.dark h4{color:#fff}
section{margin-bottom:var(--gap)}
.pad{padding:48px}
.eyebrow{font-size:13px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d)}
.dark .eyebrow{color:#7fd3b3}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-size:16px;font-weight:800;padding:15px 30px;border-radius:999px;border:none;cursor:pointer;transition:transform .2s,opacity .2s,box-shadow .2s;text-align:center}
.btn:hover{transform:translateY(-2px)}
.btn-green{background:var(--green);color:#fff;box-shadow:0 10px 28px rgba(29,158,117,.4)}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-ink{background:var(--ink);color:#fff}
.btn-white{background:#fff;color:var(--ink)}
.btn-ghost{background:var(--glass-2);color:var(--ink);border:1px solid var(--glass-line)}
.btn-block{display:flex;width:100%}

/* Nav */
.nav{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:14px 22px;position:sticky;top:14px;z-index:60;margin-bottom:14px}
.brand{display:flex;align-items:center;gap:11px;font-size:23px;font-weight:800;letter-spacing:-.03em;color:var(--ink)}
.brand svg{width:32px;height:32px;flex:none}
.nav-links{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.4);padding:6px;border-radius:999px;border:1px solid rgba(255,255,255,.5)}
.nav-links a{font-size:14px;font-weight:600;color:var(--ink-2);padding:8px 16px;border-radius:999px}
.nav-links a.active,.nav-links a:hover{color:var(--ink);background:rgba(255,255,255,.8)}
.nav-right{display:flex;align-items:center;gap:12px}
.langwrap{position:relative}
.langbtn{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.6);border:1px solid rgba(255,255,255,.6);border-radius:999px;padding:9px 15px;cursor:pointer;font-size:14px;font-weight:700;color:var(--ink)}
.langmenu{position:absolute;top:48px;right:0;background:rgba(255,255,255,.9);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.7);border-radius:16px;box-shadow:0 16px 44px rgba(20,40,60,.2);padding:8px;width:184px;z-index:70;display:none;animation:fade .16s ease}
.langmenu.open{display:block}
.langmenu button{display:block;width:100%;text-align:left;padding:10px 13px;border:none;border-radius:11px;cursor:pointer;font-size:14px;font-weight:600;background:transparent;color:var(--ink)}
.langmenu button:hover{background:rgba(29,158,117,.1)}
.langmenu button[aria-current="true"]{background:rgba(29,158,117,.16);color:var(--green-d);font-weight:800}
.navlogin{font-size:14px;font-weight:700;color:var(--ink);cursor:pointer}
.hamburger{display:none;background:rgba(255,255,255,.6);border:1px solid rgba(255,255,255,.6);border-radius:12px;width:44px;height:44px;cursor:pointer;align-items:center;justify-content:center}
.hamburger svg{width:22px;height:22px}

/* Hero */
.hero{display:grid;grid-template-columns:1.25fr 1fr;gap:44px;align-items:center;padding:52px}
.hero-badge{display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--green-d)}
.hero h1{font-size:clamp(38px,5.4vw,76px);line-height:1;text-wrap:balance;margin:0}
.hero .sub{font-size:18px;line-height:1.55;color:var(--ink-2);max-width:440px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:4px}
.stat{background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.6);border-radius:var(--radius-sm);padding:12px 18px}
.stat b{display:block;font-size:24px;font-weight:800}
.stat span{font-size:12px;color:var(--ink-2)}
.col{display:flex;flex-direction:column;gap:24px}

/* Loan card */
.loancard{background:var(--glass-2);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border:1px solid rgba(255,255,255,.75);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-lg)}
.loancard .row{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.loancard .step{font-size:12px;font-weight:800;color:var(--green-d);background:rgba(29,158,117,.14);padding:6px 12px;border-radius:999px}
label{font-size:13px;font-weight:700;color:var(--ink-2)}
.bigamt{font-size:42px;font-weight:800;letter-spacing:-.02em;margin:6px 0 4px}
input[type=range]{width:100%;accent-color:var(--green);margin:8px 0 18px;height:26px}
.phone{display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.7);border:1px solid rgba(255,255,255,.8);border-radius:14px;padding:14px 16px;margin-top:8px}
.phone b{font-size:15px;font-weight:800}
.phone .div{width:1px;height:20px;background:#c2ccd4}
.phone span{font-size:15px;color:var(--muted)}
.secure{text-align:center;margin-top:12px;font-size:12px;color:var(--muted)}

/* Trust row */
.trust{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-bottom:14px}
.trust div{background:var(--glass);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,.55);border-radius:var(--radius-sm);padding:16px;text-align:center;font-size:13px;font-weight:800}

/* Impact stats */
.impact-head{display:flex;align-items:baseline;gap:14px;margin-bottom:28px;flex-wrap:wrap}
.impact-head b{font-size:22px;font-weight:800}
.impact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.impact-grid .cell{background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:20px;padding:26px}
.impact-grid .v{font-size:38px;font-weight:800;letter-spacing:-.02em}
.impact-grid .l{font-size:14px;color:var(--ink-2);margin-top:4px}

.sec-head{display:flex;flex-direction:column;gap:8px;margin-bottom:32px}
.sec-head h2{font-size:clamp(30px,4.5vw,44px)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.step-card{background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:22px;padding:30px;display:flex;flex-direction:column;gap:12px;transition:transform .25s}
.step-card:hover{transform:translateY(-6px)}
.step-num{width:46px;height:46px;border-radius:14px;color:#fff;font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center}
.step-card p{font-size:15px;color:var(--ink-2)}
.step-card h3{font-size:22px}

/* Comparison */
.cmp{display:grid;grid-template-columns:1.4fr 1fr 1fr;background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:20px;overflow:hidden}
.cmp>div{padding:18px 24px;font-size:15px}
.cmp .h{padding:20px 24px;text-align:center;font-weight:800}
.cmp .h.a{background:rgba(29,158,117,.14);color:var(--green-d)}
.cmp .h.b{color:var(--muted);font-weight:700}
.cmp .lbl{border-top:1px solid rgba(255,255,255,.7);font-weight:700}
.cmp .va{border-top:1px solid rgba(255,255,255,.7);background:rgba(29,158,117,.09);text-align:center;font-weight:800}
.cmp .vb{border-top:1px solid rgba(255,255,255,.7);text-align:center;color:var(--muted)}

/* Bento why */
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:170px;gap:14px}
.bento .cell{background:rgba(255,255,255,.45);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.6);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;justify-content:center;gap:8px}
.bento .cell.big{grid-column:span 2;grid-row:span 2;background:var(--dark-glass);border:1px solid rgba(255,255,255,.14);color:#fff;justify-content:space-between}
.bento .cell h3{font-size:20px}
.bento .cell.big h3{font-size:30px}
.bento .cell p{font-size:14px;color:var(--ink-2);line-height:1.5}
.bento .cell.big p{color:#a7b0aa;max-width:300px;font-size:15px}
.bento .emoji{font-size:26px}

/* Use cases */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:26px}
.chip{padding:12px 22px;border-radius:999px;border:1px solid rgba(255,255,255,.6);cursor:pointer;font-size:15px;font-weight:700;background:rgba(255,255,255,.5);color:var(--ink-2);transition:background .15s}
.chip[aria-pressed="true"]{background:var(--green);color:#fff;border-color:transparent}
.uc-panel{display:grid;grid-template-columns:1.3fr 1fr;gap:16px;background:rgba(29,158,117,.12);border:1px solid rgba(255,255,255,.5);border-radius:24px;padding:36px;align-items:center}
.uc-tag{align-self:flex-start;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d);background:rgba(255,255,255,.7);padding:6px 13px;border-radius:999px}
.uc-panel h3{font-size:30px;line-height:1.1}
.uc-panel .desc{font-size:16px;line-height:1.6;color:var(--ink-2)}
.uc-rec{background:var(--glass-2);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,.8);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:16px}
.uc-rec .meta{display:flex;gap:26px}
.uc-rec .meta span{font-size:12px;color:var(--muted)}
.uc-rec .meta b{display:block;font-size:16px;font-weight:800}

/* Daily Ladder */
.ladder{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.ladder .badge{align-self:flex-start;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ink);background:var(--gold);padding:6px 13px;border-radius:999px}
.ladder h2{font-size:clamp(32px,5vw,48px)}
.ladder .sub{font-size:17px;line-height:1.6;color:#a7b0aa;max-width:440px}
.chart{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:24px;padding:30px}
.chart .row{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;font-size:14px;font-weight:800}
.chart .row span{color:var(--muted);font-weight:400}
.bars{display:flex;align-items:flex-end;gap:12px;height:160px}
.bar{flex:1;display:flex;flex-direction:column;align-items:center;gap:8px}
.bar i{width:100%;border-radius:8px;transform-origin:bottom;animation:grow .55s ease both;display:block}
.bar span{font-size:11px;color:var(--muted)}

/* Eligibility + security */
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.elig-list{display:flex;flex-direction:column;gap:12px;margin-top:22px}
.elig-item{display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:14px;padding:14px 18px;font-size:15px;font-weight:600}
.tick{width:26px;height:26px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:800;flex:none}
.sec-list{display:flex;flex-direction:column;gap:16px;margin-top:22px}
.sec-item{display:flex;gap:14px;align-items:flex-start}
.sec-item .ic{font-size:22px}
.sec-item b{font-size:16px}
.sec-item span{font-size:14px;line-height:1.5;color:#a7b0aa}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.calc .checks{display:flex;flex-direction:column;gap:12px;margin-top:6px}
.calc .checks span{font-size:15px;display:flex;gap:10px;align-items:center}
.calc .checks .tk{color:var(--green);font-weight:800}
.calc-card{background:var(--glass-2);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.75);border-radius:24px;padding:32px}
.calc-card .lrow{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.calc-card .lrow b{font-size:26px;font-weight:800}
.breakdown{display:flex;flex-direction:column;gap:11px;background:rgba(255,255,255,.6);border-radius:16px;padding:20px;margin-top:4px}
.breakdown .li{display:flex;justify-content:space-between;font-size:14px}
.breakdown .li span{color:var(--ink-2)}
.breakdown .li b{font-weight:800}
.breakdown .rec{display:flex;justify-content:space-between;align-items:center;background:rgba(29,158,117,.16);border-radius:12px;padding:14px 16px;margin-top:4px}
.breakdown .rec .k{font-size:14px;font-weight:800;color:var(--green-d)}
.breakdown .rec .v{font-size:26px;font-weight:800;color:var(--green-d)}

/* App download */
.appsec{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;background:rgba(24,95,165,.5)!important;border:1px solid rgba(255,255,255,.22)!important;color:#fff}
.appsec .eyebrow{color:#cfe3fb}
.appsec h2{font-size:clamp(30px,4.5vw,44px)}
.appsec .sub{font-size:17px;line-height:1.6;color:#dbe9fb;max-width:460px}
.appsec .ratings{display:flex;gap:20px;margin-top:4px}
.appsec .ratings b{font-size:22px;font-weight:800}
.appsec .ratings span{font-size:12px;color:#cfe3fb}
.phonemock{width:190px;height:270px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.3);border-radius:28px;padding:16px;display:flex;flex-direction:column;gap:14px;box-shadow:0 20px 50px rgba(0,0,0,.28)}
.phonemock .head{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:800}
.phonemock .card{background:rgba(255,255,255,.16);border-radius:14px;padding:14px}
.phonemock .card span{font-size:11px;color:#dbe9fb}
.phonemock .card b{font-size:22px;font-weight:800}
.phonemock .mini{display:flex;align-items:flex-end;gap:6px;height:80px;margin-top:auto}
.phonemock .mini i{flex:1;border-radius:4px;display:block}

/* Testimonials */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tcard{background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:22px;padding:28px;display:flex;flex-direction:column;gap:16px}
.stars{color:var(--gold);font-size:16px}
.tcard p{font-size:16px;line-height:1.55;font-weight:600}
.who{display:flex;align-items:center;gap:12px;margin-top:auto}
.avatar{width:40px;height:40px;border-radius:50%;color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:14px;flex:none}
.who b{font-size:14px}
.who span{font-size:12px;color:var(--muted)}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:12px}
.faq{background:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.65);border-radius:18px;padding:22px 26px}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;width:100%;background:none;border:none;text-align:left;padding:0}
.faq-q b{font-size:19px;font-weight:800;color:var(--ink)}
.faq-q .ico{font-size:26px;color:var(--green);line-height:1}
.faq-a{margin-top:0;max-height:0;overflow:hidden;font-size:15px;line-height:1.6;color:var(--ink-2);max-width:760px;transition:max-height .3s ease,margin-top .3s ease}
.faq.open .faq-a{margin-top:14px;max-height:400px}

/* CTA */
.cta{background:rgba(29,158,117,.55)!important;border:1px solid rgba(255,255,255,.3)!important;text-align:center;padding:72px 48px;box-shadow:0 20px 60px rgba(15,90,60,.28)}
.cta-inner{display:flex;flex-direction:column;align-items:center;gap:22px}
.cta h2{font-size:clamp(34px,5.5vw,52px);color:#fff;max-width:720px}
.cta .sub{font-size:18px;color:#e4f5ee}

/* Footer */
footer .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
footer .fcol{display:flex;flex-direction:column;gap:12px}
footer .fcol .ft{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#fff}
footer .fcol a,footer .fcol span{font-size:14px;color:#a7b0aa}
footer .about p{font-size:14px;line-height:1.6;color:#a7b0aa;max-width:320px}
footer .about .part{font-size:12px;color:#7a837c}
footer .legalrow{margin-top:32px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
footer .legalrow span{font-size:13px;color:#7a837c}

/* Waitlist modal */
.modal{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:16px}
.modal.open{display:flex}
.modal-bg{position:absolute;inset:0;background:rgba(14,21,18,.55);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px)}
.modal-card{position:relative;width:100%;max-width:460px;background:rgba(255,255,255,.9);backdrop-filter:blur(26px);-webkit-backdrop-filter:blur(26px);border:1px solid rgba(255,255,255,.8);border-radius:26px;box-shadow:0 30px 80px rgba(0,0,0,.35);padding:34px;max-height:92vh;overflow:auto;animation:pop .2s ease}
.modal-card h3{font-size:26px;margin-bottom:8px}
.modal-card .msub{font-size:15px;color:var(--ink-2);margin-bottom:20px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label{font-weight:700}
.field input,.field select{font-family:inherit;font-size:15px;padding:13px 15px;border:1px solid #d7dee2;border-radius:12px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{border-color:var(--green);outline:none}
.consent{font-size:12px;color:var(--muted);margin:4px 0 16px}
.modal-close{position:absolute;top:16px;right:16px;width:38px;height:38px;border-radius:50%;border:none;background:rgba(14,21,18,.06);cursor:pointer;font-size:20px;line-height:1;color:var(--ink)}
.modal-ok{text-align:center;padding:20px 0}
.modal-ok .big{font-size:52px}
.modal-ok h3{font-size:26px;margin:10px 0 8px}
.modal-ok p{color:var(--ink-2)}
.soon-pill{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ink);background:var(--gold);padding:6px 13px;border-radius:999px}

/* Animations */
@keyframes grow{from{transform:scaleY(0)}to{transform:scaleY(1)}}
@keyframes fade{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
@keyframes chev{0%{opacity:0;transform:translateY(34px)}60%{opacity:1;transform:translateY(-3px)}100%{opacity:1;transform:translateY(0)}}
@keyframes pop{from{opacity:0;transform:scale(.96)}to{opacity:1;transform:none}}
[data-reveal]{transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
[data-reveal].reveal-init{opacity:0;transform:translateY(26px)}
[data-reveal].in{opacity:1;transform:none}
.hero-logo .cv{transform-origin:center;animation:chev .6s cubic-bezier(.34,1.56,.5,1) both}
.hero-logo .cv1{animation-delay:.1s}.hero-logo .cv2{animation-delay:.25s}.hero-logo .cv3{animation-delay:.4s}

/* Legal pages */
.legal{max-width:820px}
.legal .doc{padding:48px}
.legal h1{font-size:clamp(30px,5vw,44px);margin-bottom:8px}
.legal .updated{color:var(--muted);font-size:14px;margin-bottom:8px}
.legal .doc h2{font-size:22px;margin:28px 0 10px}
.legal .doc p,.legal .doc li{font-size:15px;line-height:1.7;color:var(--ink-2)}
.legal .doc ul{padding-left:20px}
.legal .note{background:rgba(239,159,39,.14);border:1px solid rgba(239,159,39,.4);border-radius:14px;padding:16px 18px;font-size:14px;color:var(--ink);margin-bottom:24px}

/* Responsive */
@media (max-width:1024px){
  .hero{grid-template-columns:1fr;gap:32px}
  .calc,.ladder,.appsec,.two{grid-template-columns:1fr;gap:28px}
  .bento{grid-template-columns:repeat(2,1fr);grid-auto-rows:auto}
  .bento .cell,.bento .cell.big{grid-column:auto;grid-row:auto;min-height:150px}
  .trust{grid-template-columns:repeat(2,1fr)}
  .impact-grid{grid-template-columns:repeat(2,1fr)}
  .appsec{justify-items:center;text-align:left}
}
@media (max-width:760px){
  .wrap,.nav{padding-left:10px;padding-right:10px}
  .pad{padding:28px 22px}
  .nav-links,.navlogin,.nav-right>a.btn{display:none}
  .hamburger{display:flex}
  .nav-right{gap:8px}
  .nav{top:8px}
  .steps,.cards3{grid-template-columns:1fr}
  .uc-panel{grid-template-columns:1fr}
  .cmp{grid-template-columns:1.3fr .8fr .8fr;font-size:13px}
  .cmp>div{padding:14px 12px}
  .cmp .h{padding:14px 10px;font-size:13px}
  .hero{padding:32px 22px}
  .hero-stats .stat{flex:1;min-width:90px}
  .cta{padding:48px 24px}
  footer .cols{grid-template-columns:1fr 1fr;gap:26px}
  footer .about{grid-column:1/-1}
  /* Mobile drawer */
  .drawer{display:none}
  .drawer.open{display:flex;flex-direction:column;gap:6px;position:fixed;inset:0;z-index:150;background:rgba(255,255,255,.92);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);padding:80px 24px 24px}
  .drawer a{font-size:20px;font-weight:700;padding:14px 0;border-bottom:1px solid rgba(0,0,0,.06);color:var(--ink)}
  .drawer .btn{margin-top:16px}
  .drawer-close{position:absolute;top:22px;right:22px;width:44px;height:44px;border:none;background:none;font-size:28px;cursor:pointer}
}
@media (max-width:400px){
  .trust{grid-template-columns:1fr 1fr}
  .impact-grid{grid-template-columns:1fr}
  .bento{grid-template-columns:1fr}
}
.impact-grid .cell,.bento .cell,.steps>*,.cards3>*,.two>*{min-width:0}
.drawer{display:none}

/* ---- Signature motion (Phase 2) ---- */
@keyframes kr-letter{0%{opacity:0;transform:translateY(16px)}100%{opacity:1;transform:none}}
@keyframes kr-line{0%{transform:scaleX(0)}100%{transform:scaleX(1)}}
@keyframes kr-float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes kr-grad{0%{background-position:0% 50%}100%{background-position:100% 50%}}
@keyframes kr-marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* Hero animated lockup: chevrons climb, wordmark writes on, gold→green underline draws */
.lockup{display:flex;align-items:center;gap:14px}
.lockup .mark{width:46px;height:46px;overflow:visible;flex:none}
.lockup .wm-col{display:flex;flex-direction:column;gap:6px}
.lockup .wm{font-size:34px;font-weight:800;letter-spacing:-.03em;line-height:1;color:var(--ink);animation:kr-letter .5s ease .55s both}
.lockup .wm-underline{height:4px;width:100%;border-radius:3px;background:linear-gradient(90deg,#EF9F27,#1D9E75);transform-origin:left;animation:kr-line .6s cubic-bezier(.6,0,.2,1) .78s both}

/* Floating hero loan card */
.floaty{animation:kr-float 6s ease-in-out infinite}

/* Animated gradient (opaque green CTA) */
.cta.grad-anim{background-image:linear-gradient(120deg,#1D9E75,#0f7a56,#1D9E75)!important;background-size:200% 200%;animation:kr-grad 14s ease-in-out infinite alternate}

/* Trust marquee */
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marquee .track{display:flex;width:max-content;animation:kr-marquee 30s linear infinite}
.marquee:hover .track{animation-play-state:paused}
.marquee .seg{display:flex;gap:14px;padding-right:14px}
.marquee .chip-t{display:flex;align-items:center;gap:8px;white-space:nowrap;background:var(--glass);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,.55);border-radius:var(--radius-sm);padding:14px 22px;font-size:13px;font-weight:800;color:var(--ink)}

/* Personas + feature grid */
.persona-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.feat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.feat-ic{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px}
@media(max-width:1024px){.persona-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.persona-grid{grid-template-columns:1fr}}

/* Scale up on large monitors so content fills the viewport */
@media(min-width:1600px){:root{--maxw:1440px;--gap:16px}}
@media(min-width:1920px){:root{--maxw:1560px}.pad{padding:56px}}

@media (prefers-reduced-motion:reduce){
  .marquee .track{animation:none;justify-content:center;width:auto;flex-wrap:wrap;gap:10px}
  .marquee .seg:nth-child(2){display:none}
  .lockup .wm-underline{width:100%}
  *,[data-reveal]{animation:none!important;transition:none!important}
  [data-reveal]{opacity:1!important;transform:none!important}
  html{scroll-behavior:auto}
  .blob{animation:none}
}