/* ===================================================
   Pennywize Loans — v7 Production CSS
   =================================================== */

/* --- Reset & Tokens --- */
:root {
  --pw-red: #e31c25;
  --pw-red-dark: #c8141d;
  --pw-red-glow: rgba(227, 28, 37, .18);
  --pw-navy: #0b1f4d;
  --pw-navy-2: #102a63;
  --pw-navy-3: #173b87;
  --pw-ink: #1a2744;
  --pw-body: #455068;
  --pw-muted: #667085;
  --pw-line: #e0e5ee;
  --pw-soft: #f4f7fc;
  --pw-white: #ffffff;
  --pw-success: #22c55e;
  --pw-gold: #f5b942;
  --radius-sm: 14px;
  --radius-md: 22px;
  --radius-lg: 28px;
  --radius-xl: 34px;
  --shadow-card: 0 12px 32px rgba(11, 31, 77, .07);
  --shadow-elevated: 0 20px 48px rgba(11, 31, 77, .12);
  --font: 'Plus Jakarta Sans', 'Inter', system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font);
  color: var(--pw-ink);
  background: var(--pw-white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; transition: color .2s; }
img { max-width: 100%; display: block; height: auto; }
ul, ol { list-style: none; }
h1, h2, h3, h4, h5, h6 { line-height: 1.12; font-weight: 800; }
p { color: var(--pw-body); }

/* --- Layout --- */
.container {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  border-radius: 999px;
  padding: .92rem 1.65rem;
  font-weight: 700;
  font-size: .97rem;
  font-family: inherit;
  letter-spacing: .01em;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all .25s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--pw-red);
  color: #fff;
  border-color: var(--pw-red);
  box-shadow: 0 8px 24px rgba(227, 28, 37, .22);
}
.btn-primary:hover {
  background: var(--pw-red-dark);
  border-color: var(--pw-red-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(227, 28, 37, .28);
}
.btn-outline {
  background: var(--pw-white);
  color: var(--pw-navy);
  border-color: var(--pw-navy);
}
.btn-outline:hover {
  background: var(--pw-navy);
  color: #fff;
}
.btn-outline-light {
  background: rgba(255, 255, 255, .1);
  color: #fff;
  border-color: rgba(255, 255, 255, .35);
}
.btn-outline-light:hover {
  background: rgba(255, 255, 255, .2);
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .85rem;
  margin-top: 1.5rem;
}

/* ===================================================
   SITE HEADER
   =================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .95);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(11, 31, 77, .06);
  box-shadow: 0 1px 8px rgba(11, 31, 77, .04);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: .85rem 0;
}
.brand img { height: 52px; width: auto; }
.nav-panel {
  display: flex;
  align-items: center;
  gap: 1.2rem;
}
.main-nav {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  font-weight: 700;
  font-size: .95rem;
  color: var(--pw-navy);
}
.main-nav a {
  position: relative;
  padding: .25rem 0;
}
.main-nav a::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -.2rem;
  width: 0;
  height: 2.5px;
  background: var(--pw-red);
  border-radius: 2px;
  transition: width .25s ease;
}
.main-nav a:hover { color: var(--pw-red); }
.main-nav a:hover::after { width: 100%; }
.nav-cta { padding: .78rem 1.35rem; font-size: .92rem; }

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  border: 1px solid var(--pw-line);
  background: var(--pw-white);
  border-radius: var(--radius-sm);
  padding: .7rem;
  cursor: pointer;
}
.menu-toggle span {
  display: block;
  width: 22px;
  height: 2.5px;
  background: var(--pw-navy);
  margin: 4px 0;
  border-radius: 2px;
  transition: .2s;
}

/* ===================================================
   HOMEPAGE HERO
   =================================================== */
.pw-homepage-hero {
  position: relative;
  overflow: hidden;
  padding: 3.6rem 0 0;
  background:
    radial-gradient(ellipse at 5% 42%, rgba(227, 28, 37, .28), transparent 28%),
    linear-gradient(94deg, #091a46 0%, #0f2a60 32%, #1a4494 54%, #8baae0 76%, #c5d8ff 90%, #dce9ff 100%);
}
.pw-homepage-hero::before {
  content: '';
  position: absolute;
  left: 0; bottom: 0;
  width: 40%;
  height: 50%;
  background: radial-gradient(ellipse at 20% 80%, rgba(227, 28, 37, .5), transparent 70%);
  pointer-events: none;
}
.pw-homepage-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: end;
}
.pw-homepage-copy {
  position: relative;
  z-index: 2;
  color: #fff;
  padding: 1.5rem 0 3rem;
}
.pw-homepage-kicker {
  letter-spacing: .14em;
  text-transform: uppercase;
  font-size: .78rem;
  font-weight: 800;
  color: rgba(255, 255, 255, .6);
  margin-bottom: .85rem;
}
.pw-homepage-copy h1 {
  font-size: clamp(2.6rem, 4.5vw, 4.2rem);
  line-height: .98;
  letter-spacing: -.04em;
  color: #fff;
  margin: 0 0 1rem;
  max-width: 520px;
}
.pw-homepage-copy > p {
  font-size: 1.05rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, .88);
  max-width: 480px;
  display: none;
}
.pw-hero-points {
  margin: 1.2rem 0 0;
  display: grid;
  gap: .55rem;
}
.pw-hero-points li {
  position: relative;
  padding-left: 1.7rem;
  color: rgba(255, 255, 255, .95);
  font-weight: 600;
  font-size: .97rem;
}
.pw-hero-points li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--pw-success);
  font-weight: 900;
}
.pw-hero-actions-home { margin-top: 1.4rem; }
.pw-homepage-phone-row {
  display: flex;
  flex-wrap: wrap;
  gap: .55rem;
  margin-top: 1.1rem;
}
.pw-phone-chip {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .65rem .95rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, .1);
  border: 1px solid rgba(255, 255, 255, .2);
  color: #fff;
  font-weight: 700;
  font-size: .9rem;
  backdrop-filter: blur(6px);
  transition: background .2s;
}
.pw-phone-chip::before {
  content: '✆';
  font-size: 1rem;
}
.pw-phone-chip:hover {
  background: rgba(255, 255, 255, .18);
}

/* Hero right visual */
.pw-homepage-visual-wrap {
  position: relative;
  min-height: 540px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}
.pw-homepage-visual-stage { display: none; }
.pw-homepage-visual {
  position: relative;
  z-index: 2;
  max-width: 560px;
  width: 100%;
  filter: drop-shadow(0 20px 50px rgba(8, 18, 46, .3));
}
.pw-homepage-loan-badge {
  position: absolute;
  left: -1rem;
  top: 50%;
  transform: translateY(-50%);
  z-index: 4;
  display: flex;
  gap: .85rem;
  align-items: center;
  background: var(--pw-white);
  color: var(--pw-navy);
  padding: 1rem 1.4rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-elevated);
  border-bottom: 5px solid var(--pw-red);
  min-width: 280px;
}
.pw-badge-logo {
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--pw-navy), var(--pw-red));
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 900;
  font-size: .95rem;
  flex-shrink: 0;
}
.pw-homepage-loan-badge strong {
  display: block;
  font-size: .88rem;
  line-height: 1.2;
  color: var(--pw-muted);
  font-weight: 600;
}
.pw-homepage-loan-badge span {
  display: block;
  font-size: 1.75rem;
  line-height: 1;
  font-weight: 900;
  color: var(--pw-navy);
  margin-top: .15rem;
}

/* ===================================================
   WHY CHOOSE / BENEFITS
   =================================================== */
.pw-benefits-band {
  padding: 4.5rem 0 3.5rem;
  background: var(--pw-white);
}
.pw-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.1rem;
}
.pw-benefit-card {
  background: var(--pw-white);
  border: 1px solid var(--pw-line);
  box-shadow: var(--shadow-card);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.3rem;
  transition: transform .25s, box-shadow .25s;
}
.pw-benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-elevated);
}
.pw-benefit-icon {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  font-weight: 900;
  font-size: 1.1rem;
  margin-bottom: .9rem;
}
.pw-benefit-card h3 {
  font-size: 1.15rem;
  line-height: 1.18;
  margin: 0 0 .5rem;
  color: var(--pw-navy);
}
.pw-benefit-card p {
  margin: 0;
  font-size: .94rem;
  color: var(--pw-body);
}

/* ===================================================
   TRUST / WHY CHOOSE SECTION
   =================================================== */
.pw-trust-section {
  padding: 4rem 0;
  background: var(--pw-soft);
}
.pw-section-intro-center {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 2.2rem;
}
.pw-section-kicker {
  display: inline-block;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: .78rem;
  font-weight: 900;
  color: var(--pw-red);
  margin-bottom: .5rem;
}
.pw-section-kicker-light { color: rgba(255, 255, 255, .72); }
.pw-section-intro-center h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--pw-navy);
  margin: .1rem 0 .65rem;
}
.pw-section-intro-center p {
  margin: 0;
  font-size: 1.05rem;
  color: var(--pw-body);
}
.pw-trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.1rem;
}
.pw-trust-card {
  background: var(--pw-white);
  border: 1px solid var(--pw-line);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.2rem;
  box-shadow: var(--shadow-card);
  transition: transform .2s;
}
.pw-trust-card:hover { transform: translateY(-3px); }
.pw-trust-card-accent {
  background: linear-gradient(135deg, var(--pw-navy-2), var(--pw-navy-3));
  border-color: transparent;
  color: #fff;
}
.pw-trust-card-accent h3, .pw-trust-card-accent p { color: #fff; }
.pw-number-badge {
  width: 42px;
  height: 42px;
  border-radius: 999px;
  background: var(--pw-red);
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 900;
  font-size: .95rem;
  flex-shrink: 0;
  box-shadow: 0 6px 16px rgba(227, 28, 37, .22);
  margin-bottom: .85rem;
}
.pw-trust-card-accent .pw-number-badge {
  background: #fff;
  color: var(--pw-red);
  box-shadow: none;
}
.pw-trust-card h3 {
  font-size: 1.08rem;
  margin: 0 0 .35rem;
  color: var(--pw-navy);
}
.pw-trust-card p {
  margin: 0;
  font-size: .92rem;
  color: var(--pw-body);
}

/* ===================================================
   OUR SERVICES — dark panel
   =================================================== */
.pw-services-shell {
  padding: 0 0 4rem;
  background: var(--pw-white);
}
.pw-services-panel {
  background: linear-gradient(135deg, #0d2456 0%, var(--pw-navy-3) 58%, #4f78d0 100%);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-elevated);
}
.pw-services-panel::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 82% 12%, rgba(255, 255, 255, .14), transparent 20%),
    linear-gradient(180deg, rgba(255, 255, 255, .04), transparent 45%);
  pointer-events: none;
}
.pw-services-panel > * { position: relative; z-index: 1; }
.pw-section-head { margin-bottom: 1.6rem; }
.pw-section-head h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  color: var(--pw-navy);
  margin: 0;
}
.pw-section-head p {
  margin: .35rem 0 0;
  font-size: 1.05rem;
  max-width: 700px;
}
.pw-section-head-light h2 { color: #fff; }
.pw-section-head-light p { color: rgba(255, 255, 255, .85); }
.pw-service-grid-home {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.pw-service-card-home {
  background: var(--pw-white);
  border-radius: var(--radius-md);
  padding: 1.4rem 1.2rem;
  box-shadow: 0 14px 30px rgba(9, 17, 41, .18);
  transition: transform .2s;
}
.pw-service-card-home:hover { transform: translateY(-3px); }
.pw-service-marker-home {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 14px;
  background: rgba(11, 31, 77, .06);
  border: 1px solid rgba(11, 31, 77, .1);
  color: var(--pw-navy);
  font-weight: 900;
  font-size: .9rem;
  margin-bottom: .8rem;
}
.pw-service-card-home h3 {
  font-size: 1.08rem;
  margin: .1rem 0 .45rem;
  color: var(--pw-navy);
}
.pw-service-card-home p {
  margin: 0;
  font-size: .92rem;
  color: var(--pw-body);
}

/* ===================================================
   PEOPLE BANNER
   =================================================== */
.pw-people-banner {
  padding: 0 0 4rem;
  background: var(--pw-white);
}
.pw-people-banner-inner {
  position: relative;
  min-height: 400px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--pw-navy);
}
.pw-people-banner-inner::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(9, 26, 70, .92) 0%, rgba(15, 39, 92, .82) 38%, rgba(15, 39, 92, .2) 68%, transparent 100%),
    url('../images/mobile-branch-section.png') center / cover no-repeat;
}
.pw-people-content {
  position: relative;
  z-index: 1;
  max-width: 540px;
  padding: 2.8rem 2.2rem;
  color: #fff;
}
.pw-people-content h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  line-height: 1.06;
  margin: .15rem 0 .75rem;
  color: #fff;
}
.pw-people-content p {
  margin: 0;
  color: rgba(255, 255, 255, .88);
  font-size: 1.02rem;
}
.pw-people-list {
  margin: 1rem 0 0;
  display: grid;
  gap: .55rem;
}
.pw-people-list li {
  position: relative;
  padding-left: 1.5rem;
  font-weight: 600;
  color: rgba(255, 255, 255, .92);
}
.pw-people-list li::before {
  content: '•';
  position: absolute;
  left: .2rem;
  top: -.05rem;
  color: #ff5e50;
  font-size: 1.3rem;
}
.pw-people-actions { margin-top: 1.3rem; }
.pw-people-phones {
  margin-top: 1rem;
  font-weight: 800;
  font-size: .95rem;
  color: rgba(255, 255, 255, .85);
}

/* ===================================================
   MISSION & VISION
   =================================================== */
.pw-mission-vision {
  padding: 4rem 0;
  background: var(--pw-white);
}
.pw-mission-vision-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.2rem;
}
.pw-mv-card {
  background: var(--pw-white);
  border: 1px solid var(--pw-line);
  box-shadow: var(--shadow-card);
  border-radius: var(--radius-lg);
  padding: 1.8rem 1.5rem;
}
.pw-mv-card-accent {
  background: linear-gradient(135deg, var(--pw-navy-2), var(--pw-navy-3));
  border-color: transparent;
}
.pw-mv-icon {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: rgba(11, 31, 77, .06);
  color: var(--pw-navy);
  font-size: 1.3rem;
  font-weight: 900;
  margin-bottom: 1rem;
}
.pw-mv-card-accent .pw-mv-icon {
  background: rgba(255, 255, 255, .12);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .18);
}
.pw-mv-card h3 {
  font-size: 1.4rem;
  margin: .1rem 0 .65rem;
  color: var(--pw-navy);
}
.pw-mv-card p {
  margin: 0;
  font-size: 1rem;
  color: var(--pw-body);
}
.pw-mv-card-accent h3, .pw-mv-card-accent p { color: #fff; }
.pw-mv-card-accent p { color: rgba(255, 255, 255, .88); }

/* ===================================================
   FINAL CTA
   =================================================== */
.pw-final-cta {
  padding: 0 0 4rem;
  background: linear-gradient(180deg, #fff 0%, var(--pw-soft) 100%);
}
.pw-final-cta-box {
  background: linear-gradient(135deg, #edf4ff 0%, #fff 100%);
  border: 1px solid rgba(11, 31, 77, .06);
  box-shadow: var(--shadow-elevated);
  border-radius: var(--radius-xl);
  padding: 2.8rem 2rem;
  text-align: center;
}
.pw-final-cta-box h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--pw-navy);
  margin: .1rem auto .65rem;
  max-width: 700px;
}
.pw-final-cta-box p {
  max-width: 640px;
  margin: 0 auto;
  font-size: 1.05rem;
  color: var(--pw-body);
}
.pw-final-actions { justify-content: center; margin-top: 1.3rem; }
.pw-final-phone-row {
  margin-top: 1rem;
  font-size: 1rem;
  font-weight: 800;
  color: var(--pw-navy);
}

/* ===================================================
   FOOTER
   =================================================== */
.site-footer {
  background: linear-gradient(135deg, #0a1a3e, #163882);
  color: rgba(255, 255, 255, .9);
  padding: 3.2rem 0 1.2rem;
  margin-top: 0;
}
.site-footer-premium {}
.footer-grid-premium {
  display: grid;
  grid-template-columns: 1.2fr .7fr .7fr 1fr;
  gap: 1.8rem;
  align-items: start;
}
.footer-logo { height: 52px; width: auto; margin-bottom: .8rem; }
.footer-grid-premium h4 {
  margin: .15rem 0 .75rem;
  color: #fff;
  font-size: 1.05rem;
}
.footer-grid-premium p {
  margin: 0 0 .45rem;
  font-size: .93rem;
  color: rgba(255, 255, 255, .82);
}
.footer-grid-premium ul { display: grid; gap: .4rem; }
.footer-grid-premium a {
  color: rgba(255, 255, 255, .82);
  transition: color .2s;
}
.footer-grid-premium a:hover {
  color: #fff;
  text-decoration: underline;
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .12);
  margin-top: 2rem;
  padding-top: 1rem;
  color: rgba(255, 255, 255, .6);
  font-size: .88rem;
}

/* ===================================================
   INNER PAGES
   =================================================== */
.page-hero {
  padding: 3.8rem 0 2.2rem;
  background:
    radial-gradient(ellipse at 10% 30%, rgba(227, 28, 37, .06), transparent 40%),
    linear-gradient(180deg, var(--pw-soft) 0%, #fff 100%);
}
.page-hero .eyebrow,
.eyebrow {
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--pw-red);
  font-size: .8rem;
  font-weight: 800;
  margin-bottom: .5rem;
}
.page-hero h1 {
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 1.06;
  color: var(--pw-navy);
  margin: .2rem 0 .75rem;
  max-width: 700px;
}
.page-hero p {
  max-width: 640px;
  color: var(--pw-body);
  font-size: 1.08rem;
}

/* Section */
.section { padding: 4rem 0; }
.section.alt { background: var(--pw-soft); }
.section h2 {
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  color: var(--pw-navy);
  margin: 0 0 .65rem;
}
.section-intro {
  max-width: 680px;
  color: var(--pw-body);
  margin-bottom: 1.8rem;
}

/* Grid helpers */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }

/* Cards */
.card {
  background: var(--pw-white);
  border: 1px solid var(--pw-line);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.3rem;
  box-shadow: var(--shadow-card);
  transition: transform .2s, box-shadow .2s;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-elevated);
}
.card h3 {
  margin: .15rem 0 .55rem;
  color: var(--pw-navy);
  font-size: 1.15rem;
}
.card p { font-size: .95rem; }

/* Icon badge */
.icon-badge {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--pw-red-glow);
  display: grid;
  place-items: center;
  font-weight: 800;
  color: var(--pw-red);
  margin-bottom: .75rem;
}

/* Checklist */
.check-list { margin: .85rem 0 0; }
.check-list li {
  padding-left: 1.7rem;
  position: relative;
  margin: .5rem 0;
  font-size: .95rem;
}
.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--pw-success);
  font-weight: 800;
}

/* Contact list */
.contact-list li {
  padding: .55rem 0;
  border-bottom: 1px solid var(--pw-line);
  font-size: .95rem;
}
.contact-list li:last-child { border-bottom: 0; }

/* Branch list */
.branch-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.2rem;
}

.small { font-size: .88rem; color: var(--pw-muted); }

/* ===================================================
   APPLY FORM
   =================================================== */
.form-wrap {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 1.5rem;
  align-items: start;
}
.form-card {
  background: var(--pw-white);
  border: 1px solid var(--pw-line);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.3rem;
  box-shadow: var(--shadow-card);
}
label {
  display: block;
  font-weight: 700;
  font-size: .92rem;
  margin: .8rem 0 .35rem;
  color: var(--pw-ink);
}
input, select, textarea {
  width: 100%;
  padding: .85rem 1rem;
  border: 1.5px solid var(--pw-line);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: .95rem;
  background: var(--pw-white);
  color: var(--pw-ink);
  transition: border-color .2s, box-shadow .2s;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--pw-navy-3);
  box-shadow: 0 0 0 3px rgba(23, 59, 135, .1);
}
textarea { min-height: 110px; resize: vertical; }
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: .8rem;
}
.form-grid .full { grid-column: 1 / -1; }
.form-subtitle {
  margin: .5rem 0 .15rem;
  color: var(--pw-navy);
  font-size: 1.1rem;
}
.help-text { font-size: .88rem; color: var(--pw-muted); margin-top: .5rem; }
.alert {
  border-radius: var(--radius-sm);
  padding: 1rem 1.1rem;
  margin: 0 0 1rem;
}
.alert-error {
  background: #fff2f2;
  color: #a11c2b;
  border: 1px solid #fecaca;
}
.alert-success {
  background: #f1fcf5;
  color: #166534;
  border: 1px solid #bbf7d0;
}

/* ===================================================
   ADMIN
   =================================================== */
.admin-shell { min-height: 100vh; background: #f5f7fb; }
.admin-top {
  background: var(--pw-navy);
  color: #fff;
  padding: 1rem 0;
}
.admin-top .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.admin-card {
  background: #fff;
  border-radius: var(--radius-md);
  padding: 1.3rem;
  border: 1px solid var(--pw-line);
  box-shadow: var(--shadow-card);
}
.table-wrap { overflow: auto; }
table { width: 100%; border-collapse: collapse; }
th, td {
  text-align: left;
  padding: .85rem;
  border-bottom: 1px solid var(--pw-line);
  font-size: .94rem;
}
th {
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--pw-muted);
  font-weight: 700;
}
.status {
  display: inline-flex;
  padding: .3rem .65rem;
  border-radius: 999px;
  font-size: .78rem;
  font-weight: 700;
}
.status-new { background: #eef2ff; color: #3730a3; }
.status-contacted { background: #eff6ff; color: #1d4ed8; }
.status-review { background: #fff7ed; color: #c2410c; }
.status-pending { background: #fffde7; color: #a16207; }
.status-approved { background: #ecfdf3; color: #15803d; }
.status-declined { background: #fff1f2; color: #be123c; }

/* CTA banner (legacy) */
.cta-banner {
  background: linear-gradient(135deg, var(--pw-navy), var(--pw-navy-3));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
}

/* ===================================================
   RESPONSIVE
   =================================================== */
@media (max-width: 1080px) {
  .pw-service-grid-home { grid-template-columns: repeat(2, 1fr); }
  .pw-trust-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid-premium { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 960px) {
  .menu-toggle { display: block; }
  .nav-panel {
    display: none;
    position: absolute;
    top: 100%;
    left: .75rem;
    right: .75rem;
    background: var(--pw-white);
    border: 1px solid var(--pw-line);
    border-radius: var(--radius-md);
    padding: 1rem;
    flex-direction: column;
    align-items: stretch;
    box-shadow: var(--shadow-elevated);
    z-index: 50;
  }
  .nav-panel.open { display: flex; }
  .main-nav {
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
  }
  .main-nav a {
    display: block;
    width: 100%;
    padding: .75rem .25rem;
    border-bottom: 1px solid var(--pw-line);
  }
  .main-nav a::after { display: none; }
  .main-nav a:last-child { border-bottom: 0; }
  .nav-cta { width: 100%; margin-top: .5rem; }

  .pw-homepage-hero { padding: 2rem 0 0; }
  .pw-homepage-hero-grid { grid-template-columns: 1fr; gap: 1rem; }
  .pw-homepage-visual-wrap { order: -1; min-height: 380px; }
  .pw-homepage-visual { max-width: 400px; margin: 0 auto; }
  .pw-homepage-loan-badge {
    left: 50%;
    top: auto;
    bottom: .5rem;
    transform: translateX(-50%);
    min-width: 260px;
  }
  .pw-homepage-copy { padding: 0 0 2rem; }

  .pw-benefits-grid,
  .pw-trust-grid,
  .pw-mission-vision-grid,
  .grid-2, .grid-3, .grid-4,
  .branch-list {
    grid-template-columns: 1fr;
  }
  .pw-service-grid-home { grid-template-columns: 1fr; }

  .form-wrap { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }

  .pw-people-banner-inner { min-height: 480px; }
  .pw-people-banner-inner::before {
    background:
      linear-gradient(180deg, rgba(9, 26, 70, .92) 0%, rgba(15, 39, 92, .82) 50%, rgba(15, 39, 92, .35) 100%),
      url('../images/mobile-branch-section.png') center / cover no-repeat;
  }
  .pw-people-content { max-width: 100%; padding: 2rem 1.5rem; }

  .pw-services-panel { padding: 2rem 1.3rem; border-radius: var(--radius-lg); }

  .cta-banner { flex-direction: column; align-items: flex-start; }

  .footer-grid-premium { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 640px) {
  .container { width: min(100% - 1.2rem, 1160px); }
  .brand img { height: 46px; }

  .pw-homepage-hero { padding: 1.2rem 0 0; }
  .pw-homepage-copy h1 { font-size: 2.4rem; }
  .pw-homepage-visual-wrap { min-height: 300px; }
  .pw-homepage-visual { max-width: 300px; }
  .pw-homepage-loan-badge {
    position: relative;
    left: auto;
    bottom: auto;
    transform: none;
    margin: .5rem auto 0;
    min-width: 0;
    width: min(100%, 310px);
    padding: .85rem 1rem;
  }
  .pw-homepage-loan-badge span { font-size: 1.5rem; }
  .pw-homepage-phone-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: .5rem;
  }
  .pw-phone-chip { width: 100%; justify-content: center; }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: .7rem;
  }
  .hero-actions .btn { width: 100%; }

  .page-hero { padding: 2.5rem 0 1.5rem; }
  .page-hero h1 { font-size: 2rem; }

  .section { padding: 3rem 0; }
  .pw-benefits-band, .pw-trust-section, .pw-mission-vision { padding: 3rem 0; }

  .card, .pw-benefit-card, .pw-trust-card, .pw-service-card-home,
  .pw-mv-card, .pw-final-cta-box, .pw-services-panel,
  .pw-people-banner-inner { border-radius: var(--radius-md); }

  .pw-section-intro-center h2,
  .pw-people-content h2,
  .pw-final-cta-box h2,
  .section h2 { font-size: 1.75rem; }

  input, select, textarea { padding: .8rem .9rem; border-radius: 12px; }
}

/* ===================================================
   ANIMATIONS
   =================================================== */
@media (prefers-reduced-motion: no-preference) {
  .pw-benefit-card,
  .pw-trust-card,
  .pw-service-card-home,
  .pw-mv-card,
  .card {
    opacity: 0;
    transform: translateY(20px);
    animation: fadeUp .5s ease forwards;
  }
  @keyframes fadeUp {
    to { opacity: 1; transform: translateY(0); }
  }
  .pw-benefit-card:nth-child(1) { animation-delay: .05s; }
  .pw-benefit-card:nth-child(2) { animation-delay: .12s; }
  .pw-benefit-card:nth-child(3) { animation-delay: .19s; }
  .pw-benefit-card:nth-child(4) { animation-delay: .26s; }
  .pw-benefit-card:nth-child(5) { animation-delay: .33s; }
  .pw-benefit-card:nth-child(6) { animation-delay: .4s; }
  .pw-trust-card:nth-child(1) { animation-delay: .05s; }
  .pw-trust-card:nth-child(2) { animation-delay: .12s; }
  .pw-trust-card:nth-child(3) { animation-delay: .19s; }
  .pw-trust-card:nth-child(4) { animation-delay: .26s; }
  .pw-service-card-home:nth-child(1) { animation-delay: .05s; }
  .pw-service-card-home:nth-child(2) { animation-delay: .1s; }
  .pw-service-card-home:nth-child(3) { animation-delay: .15s; }
  .pw-service-card-home:nth-child(4) { animation-delay: .2s; }
  .pw-service-card-home:nth-child(5) { animation-delay: .25s; }
}