/* =========================
   SECURED LOAN HERO — ANIMATED BG
========================= */

.slh-hero {
  position: relative;
  background: linear-gradient(135deg, #cce4ff 0%, #daeeff 50%, #e8f4ff 100%);
  padding: 100px 6% 80px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 55vh;
}

/* waves */
.slh-wave-top,
.slh-wave-bottom {
  position: absolute;
  left: 0;
  width: 100%;
  pointer-events: none;
  z-index: 2;
}
.slh-wave-top { top: 0; }
.slh-wave-bottom { bottom: 0; }
.slh-wave-top svg,
.slh-wave-bottom svg {
  display: block;
  width: 100%;
  height: 50px;
}

/* dot pattern overlay */
.slh-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(26,82,204,0.22) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  z-index: 1;
}

/* ANIMATED SHAPES */


/* CONTENT */
.slh-wrap { position: relative; z-index: 2; max-width: 700px; width: 100%; }

.slh-eyebrow {
  display: inline-block;
  background: rgba(26,82,204,0.1);
  border: 1px solid rgba(26,82,204,0.25);
  color: #1a52cc;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.slh-content h1 {
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 800;
  color: #012056;
  margin: 0 0 14px;
  line-height: 1.18;
  animation: slh-slide-up 0.8s ease both;
}

.slh-content h1 span {
  background: linear-gradient(90deg, #0a2d8f, #1a52cc, #0ea5e9, #1a52cc, #0a2d8f);
  background-size: 300% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: slh-gradient 3s linear infinite, slh-text-float 3s ease-in-out infinite;
  display: inline-block;
}

@keyframes slh-text-float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-6px); }
}

@keyframes slh-gradient {
  0%   { background-position: 0% center; }
  100% { background-position: 300% center; }
}

@keyframes slh-slide-up {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}

.slh-content p {
  font-size: 0.95rem;
  color: #3d5280;
  line-height: 1.75;
  margin: 0 0 28px;
  animation: slh-slide-up 0.8s ease 0.2s both;
}

/* CHIPS */
.slh-chips {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 28px;
  animation: slh-slide-up 0.8s ease 0.35s both;
}

.slh-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.72);
  border: 1px solid rgba(255,255,255,0.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 2px 12px rgba(26,82,204,0.1), 0 1px 3px rgba(0,0,0,0.06);
  color: #012056;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: 50px;
}

/* BUTTONS */
.slh-btns {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  animation: slh-slide-up 0.8s ease 0.5s both;
}

.slh-btn-primary {
  background: linear-gradient(135deg, #1a52cc, #0ea5e9);
  color: #fff;
  padding: 14px 36px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(26,82,204,0.3);
  transition: opacity .2s, transform .2s;
}
.slh-btn-primary:hover { opacity: .88; transform: translateY(-2px); }

.slh-btn-outline {
  background: rgba(255,255,255,0.6);
  color: #1a52cc;
  border: 1.5px solid rgba(26,82,204,0.5);
  padding: 13px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  transition: border-color .2s, background .2s;
}
.slh-btn-outline:hover { border-color: #1a52cc; background: rgba(26,82,204,0.05); }

/* RESPONSIVE */
@media (max-width: 768px) {
}

@media (max-width: 560px) {
  .slh-hero { padding: 85px 5% 60px; min-height: auto; }
  .slh-btns { flex-direction: column; align-items: center; }
  .slh-chips { gap: 8px; }
}

/* =========================
   CA PREMIUM SECTION
========================= */

.ca-premium-section {
    padding: 80px 6%;
    background: #ffffff;
    border-top: 1px solid rgba(26,82,204,0.08);
    position: relative;
    overflow: hidden;
  }

  .ca-premium-container {
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 70px;
    align-items: center;
    border-radius: 20px;
    box-shadow: 0 8px 40px rgba(26,82,204,0.12);
    padding: 48px 52px;
    background: #fff;
    position: relative;
    z-index: 0;
  }

  .ca-premium-container::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 20px;
    padding: 2px;
    background: conic-gradient(
      from var(--angle, 0deg),
      #1a52cc 0%,
      #0ea5e9 25%,
      #22c55e 50%,
      #f59e0b 75%,
      #1a52cc 100%
    );
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    animation: lap-border-spin 4s linear infinite;
    z-index: -1;
  }
  
  /* LEFT */
  
  .ca-premium-content h2 {
    font-size: clamp(1.8rem, 2.8vw, 2.6rem);
    font-weight: 700;
    line-height: 1.2;
    color: #012056;
    margin: 0 0 24px;
  }
  
  .ca-premium-content p {
    font-size: 1rem;
    line-height: 1.6;
    color: #4b5563;
    margin: 0 0 18px;
    font-weight: 400;
  }
  
  .ca-premium-content strong {
    color: #081631;
    font-weight: 600;
  }
  
  /* BENEFITS */
  
  .ca-premium-benefits {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin: 24px 0;
  }
  
  .ca-benefit-pill {
    padding: 8px 16px;
    background: rgba(26,82,204,0.07);
    border: 1px solid rgba(26,82,204,0.18);
    border-radius: 50px;
    font-size: 0.84rem;
    font-weight: 600;
    color: #1a52cc;
  }
  
  /* BUTTON */
  
  .ca-premium-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 16px 34px;
    border-radius: 14px;
    border: 2px solid #FFF;
    background:  rgba(26,82,204);
    color: #fff;
    font-size: 0.95rem;
    font-weight: 700;
    text-decoration: none;
    box-shadow: 0 14px 30px rgba(26,82,204,0.22);
    transition: all 0.3s ease;
  }
  
  .ca-premium-btn:hover {
    transform: scale(1.08);
    box-shadow: 0 14px 30px rgba(26,82,204,0.22);
  }
  
  
  
  
  /* RIGHT IMAGE */
  .ca-premium-visual {
    display: flex;
    align-items: center;
    justify-content: center;
  }
  
  .ca-premium-img {
    width: 100%;
    max-width: 480px;
    height: 380px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: 0 20px 60px rgba(26,82,204,0.18), 0 4px 16px rgba(0,0,0,0.08);
    display: block;
    border: 1px solid rgba(26,82,204,0.08);
    background: #f0f5ff;
  }
  
  @media (max-width: 900px) {
    .ca-premium-img { max-width: 100%; height: 280px; }
    .ca-premium-container { grid-template-columns: 1fr; padding: 32px 28px; }
    .ca-premium-content { order: 1; }
    .ca-premium-visual { order: 2; margin-top: 24px; }
  }

  @media (max-width: 600px) {
    .ca-premium-img { display: none; }
    .ca-premium-section { padding: 30px 4% 40px; }
    .ca-premium-container { grid-template-columns: 1fr; padding: 24px 20px; gap: 24px; }
    .ca-premium-visual { order: 3; margin-top: 16px; display: block !important; }
    .cs-checklist { max-width: 100%; }
    .ca-premium-benefits { display: none; }
    .ca-premium-content h2 { font-size: 1.5rem; margin: 0 0 14px; }
    .ca-premium-btn { display: block; text-align: center; }
  }

  /* =========================
   CS ANIMATED CHECKLIST
========================= */

.cs-checklist {
    background: linear-gradient(160deg, #f0f6ff 0%, #fff 60%);
    border: 1px solid rgba(26,82,204,0.12);
    border-radius: 24px;
    padding: 0;
    box-shadow: 0 20px 60px rgba(26,82,204,0.12), 0 4px 16px rgba(26,82,204,0.06);
    max-width: 420px;
    width: 100%;
    overflow: hidden;
    position: relative;
  }
  
  /* left accent border */
  .cs-checklist::before {
    content: '';
    position: absolute;
    left: 0; top: 0; bottom: 0;
    width: 5px;
    background: linear-gradient(180deg, #1a52cc, #0ea5e9, #38BDF8);
    border-radius: 24px 0 0 24px;
  }
  
  .cs-cl-title {
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: #fff;
    padding: 18px 24px 18px 28px;
    background: linear-gradient(135deg, #0A1F44, #1a52cc);
    display: flex;
    align-items: center;
    gap: 10px;
  }
  
  
  .cs-cl-items {
    padding: 8px 24px 8px 28px;
  }
  
  .cs-cl-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 11px 12px;
    border-radius: 10px;
    font-size: 0.88rem;
    color: #3d4f6e;
    font-weight: 500;
    opacity: 0;
    transform: translateX(20px);
    animation: cs-slide-in 0.5s ease forwards;
    animation-delay: var(--delay);
    cursor: default;
  }
  
  .cs-cl-item.animated {
    opacity: 1;
    transform: none;
    transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  }
  
  .cs-cl-item.animated:hover {
    background: rgba(26,82,204,0.06);
    color: #012056;
    transform: scale(1.03);
    box-shadow: 0 4px 12px rgba(26,82,204,0.1);
  }
  
  @keyframes cs-slide-in {
    to { opacity: 1; transform: translateX(0); }
  }
  
  .cs-cl-icon {
    width: 28px;
    height: 28px;
    border-radius: 8px;
    background: linear-gradient(135deg, #1a52cc, #0ea5e9);
    color: #fff;
    font-size: 0.75rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    box-shadow: 0 4px 10px rgba(26,82,204,0.25);
  }
  
  .cs-cl-badge {
    margin: 4px 24px 18px 28px;
    display: inline-block;
    background: linear-gradient(135deg, #1a52cc, #0ea5e9);
    color: #fff;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 8px 18px;
    border-radius: 50px;
    box-shadow: 0 6px 16px rgba(26,82,204,0.25);
  }
  
  @media (max-width: 600px) {
    .cs-checklist { max-width: 100%; }
  }

  /* =========================
   COMPACT LOAN PROCESS
========================= */

.loan-process-section {
    padding: 55px 6%;
    background: linear-gradient(180deg, #f7fbff 0%, #eef5ff 100%);
  }
  
  .loan-process-section .container {
    max-width: 1180px;
    margin: auto;
  }
  
  /* HEADING */
  
  .section-heading {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 35px;
  }
  
  .section-tag {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 2px;
    color: var(--cyan);
    margin-bottom: 10px;
    text-transform: uppercase;
  }
  
  .section-heading h2 {
    font-size: clamp(1.8rem, 2.8vw, 2.6rem);
    font-weight: 700;
    line-height: 1.2;
    color: #012056;
    margin-bottom: 14px;
  }
  
  .section-heading h2 span {
    background: linear-gradient(135deg, #1a52cc, #0ea5e9);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .section-heading p {
    font-size: 0.95rem;
    color: #5d6785;
    line-height: 1.7;
    max-width: 680px;
    margin: auto;
  }
  
  /* GRID */
  
  .process-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
  }
  
  /* CARD */
  
  .process-card {
    background: #fff;
    border-radius: 18px;
    padding: 20px;
    display: flex;
    align-items: flex-start;
    gap: 14px;
    box-shadow: 0 8px 22px rgba(4, 15, 45, 0.06);
    border: 1px solid rgba(4, 15, 45, 0.05);
    position: relative;
    transition: 0.25s ease;
  }
  
  .process-card::before {
    content: "";
    position: absolute;
    top: 16px;
    bottom: 16px;
    left: 0;
    width: 4px;
    border-radius: 0 4px 4px 0;
    background: linear-gradient(180deg, #1a52cc, #00cfff);
  }
  
  .process-card:hover {
    transform: translateY(-4px);
  }
  
  /* STEP NUMBER */
  
  .step-number {
    min-width: 52px;
    height: 52px;
    border-radius: 14px;
    background: linear-gradient(
      135deg,
      rgba(26, 82, 204, 0.12),
      rgba(0, 212, 255, 0.12)
    );
    color: var(--b500);
    font-size: 1rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  
  /* CONTENT */
  
  .process-content h3 {
    font-size: 1.15rem;
    color: var(--b900);
    margin-bottom: 8px;
    line-height: 1.3;
  }
  
  .process-content p {
    font-size: 0.9rem;
    color: #5d6785;
    line-height: 1.65;
    margin: 0;
  }
  
  /* TABLET */
  
  @media (max-width: 992px) {
    .loan-process-section {
      padding: 50px 5%;
    }
  
    .process-grid {
      grid-template-columns: 1fr;
    }
  
    .section-heading h2 {
      font-size: 2.4rem;
    }
  }
  
  /* MOBILE */
  
  @media (max-width: 768px) {
    .loan-process-section {
      padding: 42px 5%;
    }
  
    .section-heading {
      margin-bottom: 28px;
    }
  
    .section-heading h2 {
      font-size: 1.4rem;
    }
  
    .section-heading p {
      font-size: 0.88rem;
    }
  
    .process-card {
      padding: 16px;
      gap: 12px;
      border-radius: 14px;
    }
  
    .step-number {
      min-width: 44px;
      height: 44px;
      font-size: 0.9rem;
      border-radius: 12px;
    }
  
    .process-content h3 {
      font-size: 1rem;
    }
  
    .process-content p {
      font-size: 0.84rem;
      line-height: 1.55;
    }
  }


  /* Eligibilty Section */
  .ca-elig-section {
    padding: 70px 6% 30px;
    background: #fff;
  }
  
  .ca-elig-wrap {
    max-width: 1200px;
    margin: 0 auto;
  }
  
  .ca-elig-head {
    text-align: center;
    max-width: 620px;
    margin: 0 auto 44px;
  }
  
  .ca-elig-eyebrow {
    display: inline-block;
    font-size: 0.88rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: #1a52cc;
    margin-bottom: 5px;
  }
  
  .ca-elig-head h2 {
    
    font-size: clamp(1.8rem, 2.6vw, 2.4rem);
    font-weight: 700;
    color: #012056;
    line-height: 1.2;
    margin-bottom: 12px;
  }
  
  .ca-elig-head h2 span {
    background: linear-gradient(135deg, #1a52cc, #0ea5e9);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .ca-elig-head p {
    font-size: 0.93rem;
    color: #5d6785;
    line-height: 1.65;
  }
  
  .ca-elig-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 28px;
  }
  
  .ca-elig-panel {
    border: 1px solid rgba(26,82,204,0.1);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 6px 24px rgba(4,15,45,0.05);
  }
  
  .ca-elig-panel-header {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 24px;
    background: linear-gradient(135deg, #f0f4ff, #f8faff);
    border-bottom: 1px solid rgba(26,82,204,0.08);
  }
  
  .ca-elig-panel-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(26,82,204,0.15);
    color: var(--panel-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
  }
  
  .ca-elig-panel-header h3 {
    
    font-size: 0.95rem;
    font-weight: 700;
    color: #05132f;
    margin: 0;
  }
  
  .ca-elig-list {
    padding: 16px 24px 8px;
    display: flex;
    flex-direction: column;
    gap: 12px;
  }
  
  .ca-elig-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.88rem;
    color: #3d4f6e;
  }
  
  .ca-elig-item i {
    color: #1a52cc;
    font-size: 0.8rem;
    flex-shrink: 0;
  }
  
  .ca-elig-strip {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    background: linear-gradient(135deg, #0A1F44, #1a52cc);
    border-radius: 16px;
    overflow: hidden;
  }
  
  .ca-elig-strip-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 22px;
    border-right: 1px solid rgba(255,255,255,0.07);
    transition: background 0.2s ease;
  }
  
  .ca-elig-strip-item:last-child { border-right: none; }
  .ca-elig-strip-item:hover { background: rgba(255,255,255,0.04); }
  
  .ca-elig-strip-item > i {
    font-size: 1.3rem;
    color: #1a52cc !important;
    flex-shrink: 0;
  }
  
  .ca-elig-strip-item strong {
    display: block;
    font-size: 0.88rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 2px;
  }
  
  .ca-elig-strip-item span {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.45);
  }
  
  @media (max-width: 900px) {
    .ca-elig-grid { grid-template-columns: 1fr; }
  }
  
  @media (max-width: 560px) {
    .ca-elig-section { padding: 50px 5%; }
    .ca-elig-eyebrow { font-size: 0.72rem; }
    .ca-elig-head h2 { font-size: 1.5rem; }
  }

  /* =========================
   BUSINESS LOAN RATE TABLE
========================= */

.biz-loan-rate-section {
    padding: 80px 6% 50px;
    background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  }
  
  .biz-loan-rate-wrap {
    max-width: 1200px;
    margin: 0 auto;
  }
  
  /* HEADING */
  
  .biz-rate-heading {
    text-align: center;
    max-width: 850px;
    margin: 0 auto 40px;
  }
  
  .biz-rate-heading span {
    display: inline-block;
    padding: 8px 16px;
    border-radius: 999px;
    background: rgba(0, 212, 255, 0.04);
    color: #1a52cc;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 10px;
  }
  
  .biz-rate-heading h2 {
    font-size: clamp(1.8rem, 2.4vw, 2.6rem);
    font-weight: 700;
    line-height: 1.2;
    color: #012056;
    margin-bottom: 10px;
  }
  
  .biz-rate-heading h2 span {
    padding: 0;
    background: linear-gradient(135deg, #1a52cc, #4875d6);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    border-radius: 0;
    display: inline;
    font-size: inherit;
    letter-spacing: normal;
    text-transform: none;
  }
  
  .biz-rate-heading p {
    color: #64748b;
    font-size: 0.92rem;
    line-height: 1.5;
    font-weight: 500;
  }
  
  /* TABLE WRAP */
  
  .biz-rate-table-wrap {
    background: #fff;
    border-radius: 24px;
    overflow: hidden;
    border: 1px solid #dce7f8;
    box-shadow: 0 18px 40px rgba(4,15,45,0.06);
  }
  
  /* TABLE */
  
  .biz-rate-table {
    width: 100%;
    border-collapse: collapse;
  }
  
  .biz-rate-table thead {
    background: linear-gradient(135deg, #1a52cc, #4875d6);
  }
  
  .biz-rate-table th {
    padding: 22px 26px;
    text-align: left;
    color: #fff;
    font-size: 1rem;
    font-weight: 700;
  }
  
  .biz-rate-table tbody tr {
    border-bottom: 1px solid #e8eef8;
    transition: 0.3s ease;
  }
  
  .biz-rate-table tbody tr:last-child {
    border-bottom: none;
  }
  
  .biz-rate-table tbody tr:hover {
    background: #f8fbff;
  }
  
  .biz-rate-table td {
    padding: 20px 26px;
    color: #081631;
    font-size: 0.95rem;
    font-weight: 500;
    line-height: 1.6;
  }
  
  .biz-rate-table td:first-child {
    font-weight: 700;
  }
  
  .biz-rate-table td:last-child {
    color: #1a52cc;
    font-weight: 700;
  }
  
  /* NOTE */
  
  .biz-rate-note {
     margin: 12px 0 0;
    text-align: center;
    color: #7b8ba5;
    font-size: 0.85rem;
    line-height: 1.6;
  }
  
  /* TABLET */
  
  @media (max-width: 1024px) {
    .biz-loan-rate-section {
      padding: 65px 0;
    }
  
    .biz-rate-heading {
      margin-bottom: 30px;
    }
  
    .biz-rate-table th,
    .biz-rate-table td {
      padding: 18px 18px;
      font-size: 0.9rem;
    }
  }
  
  /* MOBILE */
  
  @media (max-width: 768px) {
    .biz-loan-rate-section {
      padding: 50px 0;
    }
  
    .biz-loan-rate-wrap {
      padding: 0 16px;
    }
  
    .biz-rate-heading h2 {
      font-size: 1.4rem;
    }
  
    .biz-rate-heading p {
      font-size: 0.9rem;
      line-height: 1.7;
    }
  
    .biz-rate-table-wrap {
      border-radius: 18px;
      overflow-x: auto;
    }
  
    .biz-rate-table {
      min-width: 580px;
    }
  
    .biz-rate-table th {
      padding: 16px;
      font-size: 0.85rem;
    }
  
    .biz-rate-table td {
      padding: 16px;
      font-size: 0.84rem;
    }
  
    .biz-rate-note {
      font-size: 0.78rem;
      margin-top: 14px;
    }
  }

  /* =========================
   WHY CHOOSE KREDITSEVA
========================= */

.pl-why-section {
    padding: 50px 6% 50px;
    background: #fff;
    position: relative;
    overflow: hidden;
  }
  
  .pl-why-wrap {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
  }
  
  .pl-why-head {
    text-align: center;
    max-width: 580px;
    margin: 0 auto 48px;
  }
  
  .pl-why-eyebrow {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: #1a52cc;
    margin-bottom: 12px;
  }
  
  .pl-why-head h2 {
    
    font-size: clamp(1.8rem, 2.3vw, 2.4rem);
    font-weight: 700;
    color: #012056;
    line-height: 1.25;
  }
  
  .pl-why-head h2 span {
    background: linear-gradient(135deg, #1a52cc, #4875d6);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .pl-why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    margin-bottom: 40px;
  }
  
  .pl-why-card {
    position: relative;
    background: #f8fbff;
    border: 1px solid rgba(26,82,204,0.08);
    border-radius: 20px;
    padding: 28px 22px;
    overflow: hidden;
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  }
  
  .pl-why-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 18px 44px rgba(4,15,45,0.1);
    border-color: rgba(26,82,204,0.16);
  }
  
  .pl-why-card-glow {
    position: absolute;
    width: 140px; height: 140px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(26,82,204,0.07), transparent 70%);
    top: -50px; right: -40px;
    pointer-events: none;
    transition: opacity 0.3s;
    opacity: 0;
  }
  
  .pl-why-card:hover .pl-why-card-glow { opacity: 1; }
  
  .pl-why-icon {
    width: 52px; height: 52px;
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
  }
  
  .pl-why-card h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: #05132f;
    margin: 0 0 8px;
    line-height: 1.3;
  }
  
  .pl-why-card p {
    font-size: 0.82rem;
    color: #5d6785;
    line-height: 1.6;
    margin: 0;
  }
  
  .pl-why-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    align-items: center;
    background: linear-gradient(135deg, #0a2463 0%, #1a52cc 150%, #0d6efd 100%);
    border-radius: 18px;
    padding: 24px 0;
    margin-top: 40px;
  }

  .pl-why-stat {
    text-align: center;
  }

  .pl-why-stat strong {
    display: block;
    font-size: clamp(1rem, 3vw, 1.4rem);
    font-weight: 800;
    color: #fff;
    margin-bottom: 4px;
    white-space: nowrap;
  }
  
  .pl-why-stat span {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.82);
  }
  
  .pl-why-stat-div {
    width: 1px;
    height: 36px;
    background: rgba(255,255,255,0.1);
  }
  
  .pl-why-cta {
    text-align: center;
    margin-top: 32px;
  }
  
  
  .pl-why-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 34px;
    border: 3px solid #fff;
    border-radius: 14px;
    background: linear-gradient(135deg, #0a2463 0%, #1a52cc 65%, #0d6efd 100%);
    color: #fff;
    font-size: 0.95rem;
    font-weight: 700;
    text-decoration: none;
    box-shadow: 0 12px 28px rgba(26,82,204,0.28);
    transition: all .25s ease;
    animation: plZoom 2s ease-in-out infinite;
  }
  
  
  .pl-why-cta-btn:hover {
    animation-play-state: paused;
    transform: scale(1.06);
    box-shadow: 0 18px 38px rgba(26,82,204,0.38);
  }
  
  
  
  @keyframes plZoom {
    0% { transform: scale(1); }
    50% { transform: scale(1.06); }
    100% { transform: scale(1); }
  }
  
  @media (max-width: 900px) {
    .pl-why-grid { grid-template-columns: repeat(2, 1fr); }
  }
  
  @media (max-width: 560px) {
    .pl-why-section { padding: 50px 5%; }
    .pl-why-grid { grid-template-columns: 1fr; }
    .pl-why-stats { display: grid; grid-template-columns: repeat(3, 1fr); padding: 16px 0; }
    .pl-why-stat { flex: unset; padding: 10px 0; }
    .pl-why-stat-div { display: none; }
    .pl-why-cta-btn { width: 100%; justify-content: center; }
  }

/* =========================
   HOW IT WORKS — CURVED PATH JOURNEY
========================= */

.slh-hiw-section {
  padding: 90px 6% 80px;
  background: #f0f6ff;
  position: relative;
  overflow: hidden;
}

.slh-hiw-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(26,82,204,0.07) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
}

.slh-hiw-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
}

/* HEAD */
.slh-hiw-head {
  text-align: center;
  margin-bottom: 70px;
}

.slh-hiw-eyebrow {
  display: inline-block;
  background: rgba(26,82,204,0.1);
  border: 1px solid rgba(26,82,204,0.25);
  color: #1a52cc;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.slh-hiw-head h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: #012056;
  margin: 0 0 12px;
  line-height: 1.2;
}

.slh-hiw-head h2 span {
  background: linear-gradient(90deg, #1a52cc, #0ea5e9);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.slh-hiw-head p {
  color: #5a6a8a;
  font-size: 1rem;
  margin: 0;
}

/* JOURNEY CONTAINER */
.slh-journey {
  position: relative;
  height: 380px;
  margin-bottom: 60px;
}

/* SVG PATH */
.slh-path-svg {
  position: absolute;
  top: 50%;
  left: 0;
  width: 100%;
  height: 160px;
  transform: translateY(-50%);
  pointer-events: none;
}

.slh-path-track {
  fill: none;
  stroke: rgba(26,82,204,0.15);
  stroke-width: 3;
  stroke-dasharray: 8 6;
}

.slh-path-fill {
  fill: none;
  stroke: url(#pathGrad);
  stroke-width: 3;
  stroke-dasharray: 2000;
  stroke-dashoffset: 2000;
  animation: slh-draw-path 2s ease forwards 0.3s;
}

@keyframes slh-draw-path {
  to { stroke-dashoffset: 0; }
}

/* STEPS CONTAINER */
.slh-steps {
  position: absolute;
  inset: 0;
}

/* INDIVIDUAL STEP */
.slh-step {
  position: absolute;
  top: 50%;
  transform: translate(-50%, -50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

/* DOT */
.slh-step-dot {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--c);
  box-shadow: 0 0 0 6px color-mix(in srgb, var(--c) 15%, transparent), 0 8px 24px rgba(0,0,0,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--c);
  position: relative;
  z-index: 3;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  cursor: default;
  animation: slh-pop-in 0.5s cubic-bezier(0.34,1.56,0.64,1) both;
}

.slh-step:nth-child(1) .slh-step-dot { animation-delay: 0.4s; }
.slh-step:nth-child(2) .slh-step-dot { animation-delay: 0.7s; }
.slh-step:nth-child(3) .slh-step-dot { animation-delay: 1.0s; }
.slh-step:nth-child(4) .slh-step-dot { animation-delay: 1.3s; }

@keyframes slh-pop-in {
  from { opacity: 0; transform: scale(0.4); }
  to   { opacity: 1; transform: scale(1); }
}

.slh-step:hover .slh-step-dot {
  transform: scale(1.12);
  box-shadow: 0 0 0 10px color-mix(in srgb, var(--c) 12%, transparent), 0 12px 32px rgba(0,0,0,0.15);
}

/* STEP CARD */
.slh-step-card {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.1);
  border-radius: 16px;
  padding: 18px 20px;
  width: 210px;
  box-shadow: 0 4px 20px rgba(26,82,204,0.08);
  position: absolute;
  opacity: 0;
  animation: slh-fade-up 0.5s ease both;
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.slh-step:nth-child(1) .slh-step-card { animation-delay: 0.5s; }
.slh-step:nth-child(2) .slh-step-card { animation-delay: 0.8s; }
.slh-step:nth-child(3) .slh-step-card { animation-delay: 1.1s; }
.slh-step:nth-child(4) .slh-step-card { animation-delay: 1.4s; }

.slh-step:hover .slh-step-card {
  box-shadow: 0 8px 32px rgba(26,82,204,0.14);
  transform: translateY(-3px);
}

/* Cards above the dot */
.slh-card-up {
  bottom: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%);
}

/* Cards below the dot */
.slh-card-down {
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%);
}

/* Connector line between dot and card */
.slh-card-up::after,
.slh-card-down::before {
  content: '';
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 2px;
  background: rgba(26,82,204,0.2);
}

.slh-card-up::after {
  top: 100%;
  height: 18px;
}

.slh-card-down::before {
  bottom: 100%;
  height: 18px;
}

@keyframes slh-fade-up {
  from { opacity: 0; transform: translateX(-50%) translateY(14px); }
  to   { opacity: 1; transform: translateX(-50%) translateY(0); }
}

.slh-step-num {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  display: block;
  margin-bottom: 4px;
}

.slh-step-card h3 {
  font-size: 0.92rem;
  font-weight: 700;
  color: #012056;
  margin: 0 0 6px;
  line-height: 1.3;
}

.slh-step-card p {
  font-size: 0.78rem;
  color: #5a6a8a;
  line-height: 1.55;
  margin: 0;
}

/* CTA */
.slh-hiw-cta {
  text-align: center;
}

.slh-hiw-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, #1a52cc, #0ea5e9);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  padding: 14px 36px;
  border-radius: 8px;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(26,82,204,0.3);
  transition: opacity 0.2s, transform 0.2s;
}

.slh-hiw-btn:hover {
  opacity: 0.88;
  transform: translateY(-2px);
}

.slh-hiw-cta p {
  margin: 14px 0 0;
  font-size: 0.82rem;
  color: #8a9abf;
}

/* GRADIENT DEF for SVG — added via HTML defs */

/* RESPONSIVE */
@media (max-width: 900px) {
  .slh-journey {
    height: auto;
    display: flex;
    flex-direction: column;
    gap: 0;
  }

  .slh-path-svg { display: none; }

  .slh-steps {
    position: static;
    display: flex;
    flex-direction: column;
    gap: 0;
    padding: 0 4%;
  }

  .slh-step {
    position: static;
    transform: none;
    flex-direction: row;
    align-items: flex-start;
    gap: 20px;
    padding: 0 0 32px 0;
  }

  .slh-step-dot {
    flex-shrink: 0;
    margin-top: 4px;
  }

  .slh-step-card {
    position: static;
    opacity: 1;
    width: 100%;
    transform: none;
    animation: none;
  }

  .slh-card-up, .slh-card-down {
    position: static;
    transform: none;
  }

  .slh-card-up::after, .slh-card-down::before { display: none; }
}

@media (max-width: 560px) {
  .slh-hiw-section { padding: 60px 5% 50px; }
  .slh-step-dot { width: 48px; height: 48px; }
  .slh-step-dot svg { width: 18px; height: 18px; }
}


/* =========================
   LAP HERO — 2 COLUMN WITH FORM
========================= */

.lap-hero-wrap {
  position: relative;
  z-index: 2;
  max-width: 1100px;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  text-align: left;
}

/* LEFT CONTENT */
.lap-hero-content h1 {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  color: #012056;
  margin: 0 0 14px;
  line-height: 1.2;
}

.lap-hero-content h1 span {
  background: linear-gradient(90deg, #0a2d8f, #1a52cc, #0ea5e9, #1a52cc, #0a2d8f);
  background-size: 300% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: slh-gradient 3s linear infinite;
}

.lap-hero-content p {
  font-size: 0.97rem;
  color: #3d5280;
  line-height: 1.75;
  margin: 0 0 28px;
}

.lap-hero-stats {
  display: flex;
  align-items: center;
  gap: 0;
}

.lap-hstat strong {
  display: block;
  font-size: 1.4rem;
  font-weight: 800;
  color: #012056;
  line-height: 1;
}

.lap-hstat span {
  font-size: 0.75rem;
  color: #5a6a8a;
  margin-top: 4px;
  display: block;
}

.lap-hstat {
  padding: 0 20px;
}

.lap-hstat:first-child {
  padding-left: 0;
}

.lap-hstat-div {
  width: 1px;
  height: 36px;
  background: rgba(26,82,204,0.2);
}

/* FORM OUTER */
.lap-form-outer {
  position: relative;
}

/* ANIMATED BORDER CARD */
.lap-form-card {
  position: relative;
  border-radius: 20px;
  padding: 3px;
  background: transparent;
}

/* The running border using conic-gradient */
.lap-form-border {
  position: absolute;
  inset: 0;
  border-radius: 20px;
  padding: 3px;
  background: conic-gradient(
    from var(--angle, 0deg),
    #1a52cc 0%,
    #0ea5e9 25%,
    #22c55e 50%,
    #f59e0b 75%,
    #1a52cc 100%
  );
  -webkit-mask:
    linear-gradient(#fff 0 0) content-box,
    linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  animation: lap-border-spin 3s linear infinite;
}

@property --angle {
  syntax: '<angle>';
  initial-value: 0deg;
  inherits: false;
}

@keyframes lap-border-spin {
  to { --angle: 360deg; }
}

.lap-form-inner {
  background: #ffffff;
  border-radius: 18px;
  padding: 32px 28px;
  position: relative;
  z-index: 1;
  box-shadow: 0 20px 60px rgba(26,82,204,0.12);
}

.lap-form-title {
  font-size: 1rem;
  font-weight: 700;
  color: #012056;
  margin: 0;
  text-align: center;
  line-height: 1.4;
}

.lap-form-sub {
  font-size: 0.8rem;
  color: #5a6a8a;
  margin: 0 0 24px;
}

/* FIELDS */
.lap-field {
  margin-bottom: 18px;
}

.lap-field label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: #2a3a5e;
  margin-bottom: 7px;
}

.lap-input-wrap {
  display: flex;
  align-items: start;
  gap: 10px;
  background: #f4f7ff;
  border: 1.5px solid rgba(26,82,204,0.15);
  border-radius: 10px;
  padding: 11px 14px;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.lap-input-wrap:focus-within {
  border-color: #1a52cc;
  box-shadow: 0 0 0 3px rgba(26,82,204,0.1);
}

.lap-input-wrap svg {
  flex-shrink: 0;
  color: #7a8fbb;
}

.lap-input-wrap input {
  border: none;
  background: transparent;
  outline: none;
  font-size: 0.88rem;
  color: #012056;
  width: 100%;
  font-family: inherit;
}

.lap-input-wrap input::placeholder {
  color: #a0aec0;
}

/* BUTTON */
.lap-form-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(135deg, #1a52cc, #0ea5e9);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  padding: 14px;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  box-shadow: 0 8px 24px rgba(26,82,204,0.3);
  transition: opacity 0.2s, transform 0.2s;
  margin-top: 6px;
  font-family: inherit;
}

.lap-form-btn:hover {
  opacity: 0.88;
  transform: translateY(-2px);
}

/* NOTE */
.lap-form-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
  font-size: 0.74rem;
  color: #8a9abf;
  margin: 14px 0 0;
}

.lap-form-note svg {
  color: #22c55e;
  flex-shrink: 0;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .lap-hero-wrap {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }
  .lap-hero-stats {
    justify-content: center;
  }
  .lap-hstat:first-child {
    padding-left: 20px;
  }
  .lap-form-outer {
    max-width: 420px;
    margin: 0 auto;
    width: 100%;
  }
}

@media (max-width: 560px) {
  .lap-form-inner { padding: 24px 20px; }
}

/* LAP FORM CHECKMARKS */
.lap-form-checks {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
  margin: 14px 0 0;
}

.lap-form-checks span {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.75rem;
  font-weight: 600;
  color: #3d5280;
}

.lap-form-checks span svg {
  color: #22c55e;
  flex-shrink: 0;
}

/* LAP CONSENT DISCLAIMER */
.lap-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-top: 14px;
  cursor: pointer;
}

.lap-consent input[type="checkbox"] {
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: #1a52cc;
  width: 14px;
  height: 14px;
  cursor: pointer;
}

.lap-consent span {
  font-size: 0.7rem;
  color: #8a9abf;
  line-height: 1.5;
}

/* LAP FORM HEADER */
.lap-form-header {
  padding-bottom: 16px;
  margin-bottom: 20px;
  border-bottom: 1px solid rgba(26,82,204,0.35);
}