*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --navy:   #0B1F4B;
      --blue:   #1A4FBE;
      --blue2:  #2563EB;
      --sky:    #EFF4FF;
      --gold:   #F59E0B;
      --white:  #FFFFFF;
      --gray:   #64748B;
      --light:  #F8FAFC;
      --border: #E2E8F0;
      --wa:     #25D366;
    }

    html { scroll-behavior: smooth; }
    body { font-family: 'Inter', sans-serif; color: #1E293B; background: var(--white); }

    /* ── NAVBAR ── */
    nav {
      position: sticky; top: 0; z-index: 900;
      background: var(--navy);
      display: flex; align-items: center; justify-content: center; gap: 64px;
      padding: 0 5%; height: 64px;
      box-shadow: 0 2px 12px rgba(0,0,0,.25);
    }
    .logo { color: var(--gold); font-size: 1.25rem; font-weight: 800; letter-spacing: -.3px; }
    .logo span { color: var(--white); }
    .nav-cta {
      background: var(--wa); color: var(--white);
      padding: 9px 20px; border-radius: 8px;
      font-size: .875rem; font-weight: 600;
      text-decoration: none; display: flex; align-items: center; gap: 8px;
      transition: opacity .2s; cursor: pointer; border: none;
    }
    .nav-cta:hover { opacity: .88; }
    .nav-cta svg { width: 18px; height: 18px; }
    .nav-menu { display: flex; align-items: center; gap: 28px; }
    .nav-menu a { color: #fff; text-decoration: none; font-size: .9rem; font-weight: 600; transition: color .2s; }
    .nav-menu a:hover { color: var(--gold); }
    .nav-toggle { display: none; background: none; border: none; color: #fff; font-size: 1.7rem; line-height: 1; cursor: pointer; padding: 2px 6px; }
    @media (max-width: 820px) {
      nav { justify-content: space-between; gap: 0; }
      .nav-toggle { display: block; }
      nav > .nav-cta { display: none; }
      .nav-menu {
        display: none; position: absolute; top: 100%; left: 0; right: 0; transform: none;
        background: var(--navy); flex-direction: column; align-items: stretch;
        gap: 4px; padding: 12px 5% 18px; box-shadow: 0 12px 26px rgba(0,0,0,.32);
      }
      .nav-menu.open { display: flex; }
      .nav-menu a { padding: 11px 4px; border-bottom: 1px solid rgba(255,255,255,.08); }
    }
    /* anchor scroll offset for the sticky nav */
    #services, #about, #how, #testimonials, #faq { scroll-margin-top: 80px; }
    /* About Us */
    .about-intro { max-width: 760px; margin: 0 auto 52px; text-align: center; }
    .about-intro .subtext { margin: 0 auto; }
    .about-stats { display: flex; justify-content: center; gap: 44px; flex-wrap: wrap; margin-top: 30px; }
    .about-stats > div { text-align: center; }
    .about-num { font-size: 2.2rem; font-weight: 800; color: var(--navy); }
    .about-lbl { font-size: .8rem; color: var(--gray); text-transform: uppercase; letter-spacing: .5px; margin-top: 4px; }

    /* ── HERO ── */
    .hero {
      background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
      color: var(--white);
      padding: 80px 5% 90px;
      text-align: center;
      position: relative; overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute; inset: 0;
      background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
      pointer-events: none;
    }
    .hero-badge, .hero h1, .hero p, .hero-btns, .hero-stats {
      position: relative; z-index: 1;
    }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.25);
      border-radius: 100px; padding: 6px 16px;
      font-size: .8rem; font-weight: 600; color: #BAD4FF;
      margin-bottom: 24px; text-transform: uppercase; letter-spacing: .5px;
    }
    .hero h1 {
      font-size: clamp(2rem, 5vw, 3.25rem);
      font-weight: 800; line-height: 1.15;
      margin-bottom: 20px;
    }
    .hero h1 span { color: var(--gold); }
    .hero p {
      font-size: clamp(1rem, 2vw, 1.2rem);
      color: #BAD4FF; max-width: 620px;
      margin: 0 auto 36px; line-height: 1.65;
    }
    .hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
    .btn-wa {
      background: var(--wa); color: var(--white);
      padding: 16px 32px; border-radius: 10px;
      font-size: 1.05rem; font-weight: 700;
      text-decoration: none; display: inline-flex; align-items: center; gap: 10px;
      box-shadow: 0 4px 24px rgba(37,211,102,.35);
      transition: transform .2s, box-shadow .2s;
      cursor: pointer; border: none;
    }
    .btn-wa:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(37,211,102,.45); }
    .btn-ghost {
      background: transparent; color: var(--white);
      padding: 16px 28px; border-radius: 10px;
      font-size: 1rem; font-weight: 600;
      text-decoration: none; border: 2px solid rgba(255,255,255,.4);
      transition: background .2s; cursor: pointer;
    }
    .btn-ghost:hover { background: rgba(255,255,255,.1); }
    .hero-stats {
      display: flex; justify-content: center; gap: 48px; flex-wrap: wrap;
      margin-top: 56px; position: relative;
    }
    .stat { text-align: center; }
    .stat-num { font-size: 2rem; font-weight: 800; color: var(--gold); }
    .stat-label { font-size: .8rem; color: #BAD4FF; text-transform: uppercase; letter-spacing: .5px; margin-top: 4px; }
    /* Mobile: equal-width stacked buttons + centered 2x2 stat grid */
    @media (max-width: 600px) {
      .hero-btns { flex-direction: column; align-items: stretch; gap: 12px; }
      .hero-btns .btn-wa, .hero-btns .btn-ghost {
        display: flex; width: 100%; justify-content: center; align-items: center;
        text-align: center; padding: 15px 20px; font-size: 1rem;
      }
      .hero-stats {
        display: grid; grid-template-columns: 1fr 1fr;
        gap: 26px 12px; justify-items: center; margin-top: 40px;
      }
    }

    /* ── TRUST BAR ── */
    .trust-bar {
      background: #FAFAFA; border-bottom: 1px solid var(--border);
      padding: 20px 5%;
    }
    .trust-bar-label {
      text-align: center; font-size: .72rem; font-weight: 700;
      color: var(--gray); text-transform: uppercase; letter-spacing: .7px;
      margin-bottom: 18px;
    }
    .bank-logos { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; max-width: 1040px; margin: 0 auto; align-items: center; justify-items: center; }
    .bank-item {
      display: flex; align-items: center; justify-content: center;
      padding: 14px 18px;
      background: var(--white); border: 1px solid var(--border);
      border-radius: 10px;
      opacity: .85; transition: opacity .2s, transform .2s, box-shadow .2s;
      width: 160px; height: 84px;
    }
    .bank-item:hover { opacity: 1; transform: translateY(-2px); box-shadow: 0 4px 16px rgba(0,0,0,.08); }
    .bank-item svg, .bank-item img {
      display: block;
      max-width: 100%; max-height: 100%;
      width: auto; height: auto;
      object-fit: contain;
    }
    .bank-text-fallback { font-weight: 800; font-size: 1.05rem; }
    .bank-more-pill {
      padding: 10px 18px; border-radius: 10px;
      background: var(--sky); color: var(--blue2);
      font-size: .8rem; font-weight: 600; border: 1px solid var(--border);
      white-space: nowrap;
    }

    /* ── SECTION BASICS ── */
    section { padding: 80px 5%; }
    /* Keep content centered & readable on large monitors */
    #services .intro, #how .intro, #testimonials .intro,
    .services-grid, .testi-grid, .steps, #why { max-width: 1240px; margin-left: auto; margin-right: auto; }
    .section-label {
      display: inline-block;
      background: var(--sky); color: var(--blue2);
      border-radius: 100px; padding: 5px 16px;
      font-size: .78rem; font-weight: 700;
      text-transform: uppercase; letter-spacing: .6px;
      margin-bottom: 14px;
    }
    h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 800; color: var(--navy); margin-bottom: 14px; }
    .subtext { font-size: 1.05rem; color: var(--gray); max-width: 560px; line-height: 1.65; }

    /* ── SERVICES ── */
    #services { background: var(--light); }
    #services .intro { text-align: center; margin-bottom: 52px; }
    #services .intro .subtext { margin: 0 auto; }
    .services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
    .service-card {
      background: var(--white); border-radius: 16px;
      padding: 32px 28px; border: 1px solid var(--border);
      box-shadow: 0 2px 12px rgba(0,0,0,.04);
      transition: transform .25s, box-shadow .25s;
    }
    .service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(26,79,190,.1); }
    .service-icon {
      width: 52px; height: 52px; border-radius: 12px;
      background: var(--sky); display: flex; align-items: center; justify-content: center;
      margin-bottom: 20px;
    }
    .service-icon svg { width: 26px; height: 26px; color: var(--blue2); }
    .service-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
    .service-card p { font-size: .9rem; color: var(--gray); line-height: 1.6; }
    .service-card .learn-more {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 18px; font-size: .875rem; font-weight: 600;
      color: var(--blue2); text-decoration: none; cursor: pointer;
      background: none; border: none; padding: 0;
    }
    .service-card .learn-more:hover { text-decoration: underline; }

    /* ── WHY US ── */
    #why { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
    @media (max-width: 768px) { #why { grid-template-columns: 1fr; gap: 40px; } }
    .why-visual {
      background: linear-gradient(135deg, var(--navy), var(--blue));
      border-radius: 20px; padding: 40px 36px;
      color: var(--white); display: flex; flex-direction: column; gap: 20px;
    }
    .why-item-big { display: flex; align-items: flex-start; gap: 16px; }
    .why-dot {
      width: 40px; height: 40px; border-radius: 10px;
      background: rgba(255,255,255,.15); flex-shrink: 0;
      display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
    }
    .why-item-big h4 { font-size: .95rem; font-weight: 700; margin-bottom: 4px; }
    .why-item-big p { font-size: .83rem; color: #BAD4FF; line-height: 1.5; }
    .why-list { list-style: none; display: flex; flex-direction: column; gap: 16px; }
    .why-list li {
      display: flex; align-items: center; gap: 12px;
      font-size: .95rem; color: #1E293B; font-weight: 500;
    }
    .check {
      width: 24px; height: 24px; border-radius: 50%;
      background: var(--sky); color: var(--blue2);
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0; font-size: .8rem;
    }

    /* ── HOW IT WORKS ── */
    #how { background: var(--light); text-align: center; }
    #how .intro { margin-bottom: 52px; }
    #how .intro .subtext { margin: 0 auto; }
    .steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 0; position: relative; }
    .steps::before {
      content: '';
      position: absolute; top: 36px; left: 10%; right: 10%; height: 2px;
      background: var(--border); z-index: 0;
    }
    @media (max-width: 600px) { .steps::before { display: none; } }
    .step { text-align: center; padding: 0 20px; position: relative; z-index: 1; }
    .step-num {
      width: 72px; height: 72px; border-radius: 50%;
      background: var(--blue2); color: var(--white);
      font-size: 1.4rem; font-weight: 800;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 20px; box-shadow: 0 4px 20px rgba(37,99,235,.3);
    }
    .step h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .step p { font-size: .875rem; color: var(--gray); line-height: 1.55; }

    /* ── TESTIMONIALS ── */
    #testimonials { text-align: center; }
    #testimonials .intro { margin-bottom: 48px; }
    .testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; }
    .testi-card {
      background: var(--white); border: 1px solid var(--border);
      border-radius: 16px; padding: 28px 24px; text-align: left;
      box-shadow: 0 2px 12px rgba(0,0,0,.04);
    }
    .stars { color: var(--gold); font-size: 1rem; margin-bottom: 14px; }
    .testi-card blockquote { font-size: .9rem; color: #334155; line-height: 1.65; margin-bottom: 18px; font-style: italic; }
    .testi-author { display: flex; align-items: center; gap: 12px; }
    .avatar {
      width: 40px; height: 40px; border-radius: 50%;
      background: var(--sky); color: var(--blue2);
      font-weight: 700; font-size: .9rem;
      display: flex; align-items: center; justify-content: center;
    }
    .testi-author strong { display: block; font-size: .875rem; color: var(--navy); }
    .testi-author span { font-size: .78rem; color: var(--gray); }

    /* ── FAQ ── */
    #faq { background: var(--light); }
    #faq .inner { max-width: 720px; margin: 0 auto; }
    #faq h2, #faq .section-label { text-align: center; }
    #faq h2 { margin-bottom: 40px; }
    .faq-item {
      background: var(--white); border: 1px solid var(--border);
      border-radius: 12px; margin-bottom: 12px; overflow: hidden;
    }
    .faq-q {
      padding: 18px 22px; font-weight: 600; font-size: .95rem;
      color: var(--navy); cursor: pointer;
      display: flex; justify-content: space-between; align-items: center;
      user-select: none;
    }
    .faq-q:hover { background: var(--sky); }
    .faq-q .arrow { transition: transform .3s; font-size: 1.1rem; color: var(--blue2); }
    .faq-item.open .faq-q .arrow { transform: rotate(180deg); }
    .faq-a {
      max-height: 0; overflow: hidden;
      transition: max-height .35s ease, padding .2s;
      font-size: .9rem; color: var(--gray); line-height: 1.7;
    }
    .faq-item.open .faq-a { max-height: 320px; padding: 4px 22px 20px; }

    /* ── CTA BANNER ── */
    .cta-banner {
      background: linear-gradient(135deg, var(--navy), var(--blue));
      color: var(--white); text-align: center;
      padding: 80px 5%;
    }
    .cta-banner h2 { color: var(--white); margin-bottom: 14px; }
    .cta-banner p { color: #BAD4FF; font-size: 1.05rem; margin-bottom: 36px; max-width: 500px; margin-left: auto; margin-right: auto; }
    .cta-banner .btn-wa { font-size: 1.1rem; padding: 18px 40px; }

    /* ── FOOTER ── */
    footer {
      background: #060F24; color: #94A3B8;
      padding: 40px 5% 24px;
      text-align: center; font-size: .875rem;
    }
    footer .logo { font-size: 1.1rem; margin-bottom: 10px; display: block; }
    footer p { margin-bottom: 6px; }
    footer a { color: var(--wa); text-decoration: none; }
    footer a:hover { text-decoration: underline; }
    .footer-disc { margin-top: 20px; font-size: .75rem; color: #475569; line-height: 1.6; }

    /* ── FLOATING WA ── */
    .float-wa {
      position: fixed; bottom: 28px; right: 28px; z-index: 999;
      background: var(--wa); color: var(--white);
      width: 60px; height: 60px; border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
      text-decoration: none;
      box-shadow: 0 6px 28px rgba(37,211,102,.55);
      animation: pulse 2.5s infinite;
      cursor: pointer;
    }
    .float-wa svg { width: 30px; height: 30px; }
    @keyframes pulse {
      0%,100% { box-shadow: 0 6px 28px rgba(37,211,102,.55); }
      50%      { box-shadow: 0 6px 44px rgba(37,211,102,.75); }
    }
    .float-label { cursor: pointer;
      position: fixed; bottom: 36px; right: 96px; z-index: 999;
      background: var(--navy); color: var(--white);
      padding: 8px 14px; border-radius: 8px;
      font-size: .8rem; font-weight: 600;
      white-space: nowrap;
      box-shadow: 0 2px 10px rgba(0,0,0,.25);
      animation: labelBounce 3s infinite;
    }
    .float-label::after {
      content: '';
      position: absolute; right: -8px; top: 50%;
      transform: translateY(-50%);
      border: 5px solid transparent;
      border-left-color: var(--navy);
    }
    @keyframes labelBounce {
      0%,100% { transform: translateX(0); }
      50%      { transform: translateX(-4px); }
    }

    /* ── LEAD MODAL ── */
    .modal-overlay {
      display: none; position: fixed; inset: 0; z-index: 9999;
      background: rgba(11,31,75,.65); backdrop-filter: blur(4px);
      align-items: center; justify-content: center; padding: 20px;
    }
    .modal-overlay.active { display: flex; }
    .modal {
      background: var(--white); border-radius: 20px;
      padding: 40px 36px; width: 100%; max-width: 460px;
      position: relative; box-shadow: 0 24px 80px rgba(0,0,0,.25);
      animation: modalIn .25s ease;
    }
    @keyframes modalIn {
      from { transform: translateY(24px); opacity: 0; }
      to   { transform: translateY(0);    opacity: 1; }
    }
    .modal-close {
      position: absolute; top: 16px; right: 18px;
      background: none; border: none; font-size: 1.4rem;
      color: var(--gray); cursor: pointer; line-height: 1;
    }
    .modal-close:hover { color: var(--navy); }
    .modal-icon {
      width: 56px; height: 56px; border-radius: 14px;
      background: var(--sky); display: flex; align-items: center; justify-content: center;
      margin-bottom: 18px;
    }
    .modal-icon svg { width: 28px; height: 28px; color: var(--blue2); }
    .modal h3 { font-size: 1.3rem; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
    .modal .modal-sub { font-size: .875rem; color: var(--gray); margin-bottom: 24px; line-height: 1.5; }
    .form-group { margin-bottom: 16px; }
    .form-group label {
      display: block; font-size: .8rem; font-weight: 600;
      color: var(--navy); margin-bottom: 6px; text-transform: uppercase; letter-spacing: .4px;
    }
    .form-group input,
    .form-group select {
      width: 100%; padding: 12px 14px;
      border: 1.5px solid var(--border); border-radius: 10px;
      font-size: .95rem; color: #1E293B; font-family: inherit;
      outline: none; transition: border-color .2s;
      background: var(--white);
    }
    .form-group input:focus,
    .form-group select:focus { border-color: var(--blue2); }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
    @media (max-width: 420px) { .form-row { grid-template-columns: 1fr; } }
    .btn-submit {
      width: 100%; padding: 15px; border-radius: 10px;
      background: var(--wa); color: var(--white);
      font-size: 1rem; font-weight: 700; border: none; cursor: pointer;
      display: flex; align-items: center; justify-content: center; gap: 10px;
      margin-top: 8px; transition: opacity .2s, transform .2s;
    }
    .btn-submit:hover { opacity: .9; transform: translateY(-1px); }
    .btn-submit svg { width: 20px; height: 20px; }
    .modal-note { font-size: .75rem; color: var(--gray); text-align: center; margin-top: 12px; }
    .modal-note a { color: var(--blue2); text-decoration: underline; }

    /* ── PRIVACY MODAL ── */
    .modal-privacy { max-width: 640px; }
    .privacy-body { max-height: 62vh; overflow-y: auto; margin-top: 4px; padding-right: 6px; }
    .privacy-body p { font-size: .85rem; color: #475569; line-height: 1.7; margin-bottom: 10px; }
    .privacy-body h4 { font-size: .92rem; color: var(--navy); margin: 16px 0 6px; }
    .privacy-body ul { margin: 0 0 10px 20px; }
    .privacy-body li { font-size: .85rem; color: #475569; line-height: 1.6; margin-bottom: 4px; }
    .privacy-body a { color: var(--blue2); }
    .privacy-meta { font-size: .75rem; color: var(--gray); margin-bottom: 14px; }
    .footer-links { margin-top: 14px; }
    .footer-links a { color: #94A3B8; text-decoration: underline; cursor: pointer; font-size: .8rem; }
    .footer-links a:hover { color: var(--wa); }

    /* success state */
    .modal-success { display: none; text-align: center; }
    .modal-success.active { display: block; }
    .modal-form.hidden { display: none; }
    .success-icon { font-size: 3rem; margin-bottom: 12px; }
    .modal-success h3 { font-size: 1.2rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
    .modal-success p { font-size: .9rem; color: var(--gray); line-height: 1.6; }
  
    /* multi-page nav additions */
    a.logo { text-decoration: none; }
    .nav-menu a.active { color: var(--gold); }

    /* About Us body copy — clean justified block */
    .about-text { max-width: 720px; margin: 18px auto 0; text-align: justify; }
    .about-text p { font-size: 1.02rem; color: var(--gray); line-height: 1.75; margin-bottom: 14px; }
    .about-text p:last-child { margin-bottom: 0; }
    @media (max-width: 600px) { .about-text { text-align: left; } }

    /* ── GOOGLE-STYLE REVIEW CAROUSEL ── */
    .reviews-rating { margin-top: 10px; color: var(--gray); font-size: .95rem; }
    .reviews-rating .rr-stars { color: #FBBC05; letter-spacing: 1px; }
    .reviews-rating strong { color: var(--navy); }
    .testi-carousel { display: flex; gap: 20px; overflow-x: auto; scroll-snap-type: x mandatory; max-width: 1360px; margin: 0 auto; padding: 6px 10px 16px; -webkit-overflow-scrolling: touch; scrollbar-width: thin; }
    .testi-carousel::-webkit-scrollbar { height: 8px; }
    .testi-carousel::-webkit-scrollbar-track { background: transparent; }
    .testi-carousel::-webkit-scrollbar-thumb { background: #cbd5e1; border-radius: 10px; }
    .rev-card { scroll-snap-align: start; flex: 0 0 320px; width: 320px; background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 22px 22px 24px; box-shadow: 0 2px 14px rgba(0,0,0,.06); text-align: left; display: flex; flex-direction: column; }
    .rev-head { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
    .rev-avatar { width: 44px; height: 44px; border-radius: 50%; color: #fff; font-weight: 700; font-size: .95rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .rev-meta { flex: 1; min-width: 0; }
    .rev-meta strong { display: block; font-size: .92rem; color: var(--navy); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
    .rev-stars { color: #FBBC05; font-size: .9rem; letter-spacing: 1px; margin-top: 2px; }
    .rev-g { width: 22px; height: 22px; flex-shrink: 0; }
    .rev-text { font-size: .9rem; color: #475569; line-height: 1.65; }
    .carousel-nav { display: flex; justify-content: center; gap: 12px; margin-top: 24px; }
    .carousel-nav button { width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--border); background: #fff; color: var(--navy); font-size: 1.6rem; line-height: 1; cursor: pointer; transition: background .2s, box-shadow .2s; display: flex; align-items: center; justify-content: center; }
    .carousel-nav button:hover { background: var(--sky); box-shadow: 0 4px 14px rgba(0,0,0,.08); }
    @media (max-width: 600px) { .rev-card { flex-basis: 280px; width: 280px; } }

    /* ── PROMOTION (loan comparison) ── */
    #promotion { background: var(--light); }
    .promo-list { max-width: 1000px; margin: 0 auto; display: flex; flex-direction: column; gap: 16px; }
    .loan-row { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 18px 24px; display: flex; align-items: center; gap: 24px; box-shadow: 0 2px 12px rgba(0,0,0,.04); }
    .loan-name { flex: 1 1 220px; font-weight: 700; color: var(--navy); font-size: 1rem; }
    .loan-stats { display: flex; gap: 30px; flex: 2 1 auto; }
    .loan-stats > div { display: flex; flex-direction: column; }
    .loan-lbl { font-size: .68rem; text-transform: uppercase; letter-spacing: .5px; color: var(--gray); }
    .loan-val { font-size: .95rem; font-weight: 600; color: var(--navy); margin-top: 3px; white-space: nowrap; }
    .loan-apply { display: inline-flex; align-items: center; gap: 8px; background: var(--wa); color: #fff; padding: 11px 20px; border-radius: 9px; font-weight: 600; font-size: .9rem; text-decoration: none; white-space: nowrap; transition: opacity .2s, transform .2s; }
    .loan-apply:hover { opacity: .9; transform: translateY(-1px); }
    .loan-apply svg { width: 18px; height: 18px; }
    .promo-note { max-width: 1000px; margin: 26px auto 0; font-size: .78rem; color: var(--gray); line-height: 1.6; text-align: center; }
    @media (max-width: 760px) {
      .loan-row { flex-direction: column; align-items: stretch; gap: 14px; }
      .loan-stats { flex-wrap: wrap; gap: 14px 26px; }
      .loan-apply { justify-content: center; }
    }

    /* Promotion: logos, calculator, sort */
    .loan-logo { width: 84px; height: 42px; object-fit: contain; flex-shrink: 0; }
    .calc-box { max-width: 1000px; margin: 0 auto 32px; background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 24px 26px; box-shadow: 0 2px 14px rgba(0,0,0,.05); }
    .calc-box h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 16px; }
    .calc-fields { display: grid; grid-template-columns: repeat(2, 220px); justify-content: center; gap: 16px; }
    .calc-fields label { display: flex; flex-direction: column; font-size: .76rem; font-weight: 700; color: var(--navy); gap: 6px; text-transform: uppercase; letter-spacing: .3px; }
    .calc-fields input { padding: 11px 13px; border: 1.5px solid var(--border); border-radius: 9px; font-size: .95rem; font-family: inherit; color: #1E293B; outline: none; transition: border-color .2s; }
    .calc-fields input:focus { border-color: var(--blue2); }
    .calc-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 18px; }
    .calc-results > div { background: var(--sky); border-radius: 12px; padding: 14px; text-align: center; }
    .calc-results span { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .4px; color: var(--gray); margin-bottom: 4px; }
    .calc-results strong { font-size: 1.15rem; color: var(--navy); }
    .calc-note { font-size: .74rem; color: var(--gray); margin-top: 12px; }
    .calc-intro { font-size: .85rem; color: var(--gray); margin: -4px 0 16px; line-height: 1.5; }
    .loan-monthly { color: var(--blue2); }
    .promo-controls { max-width: 1000px; margin: 0 auto 14px; display: flex; justify-content: flex-end; }
    .sort-btn { background: #fff; border: 1px solid var(--border); border-radius: 9px; padding: 9px 16px; font-size: .85rem; font-weight: 600; color: var(--navy); cursor: pointer; transition: background .2s; }
    .sort-btn:hover { background: var(--sky); }
    @media (max-width: 640px) { .calc-fields, .calc-results { grid-template-columns: 1fr; } }
    @media (max-width: 900px) { .bank-logos { grid-template-columns: repeat(3, 1fr); } }
    @media (max-width: 560px) { .bank-logos { grid-template-columns: repeat(2, 1fr); } }
    .bank-more-btn { display: none; margin: 18px auto 0; background: #fff; border: 1px solid var(--border); border-radius: 9px; padding: 11px 24px; font-size: .9rem; font-weight: 600; color: var(--blue2); cursor: pointer; transition: background .2s; }
    .bank-more-btn:hover { background: var(--sky); }
    @media (max-width: 560px) {
      .bank-more-btn { display: block; }
      .bank-more-pill { display: none; }
      .bank-logos .bank-item:nth-child(n+7) { display: none; }
      .bank-logos.expanded .bank-item:nth-child(n+7) { display: flex; }
    }

    /* ── Promo redirect popup ── */
    .promo-pop-overlay { position: fixed; inset: 0; background: rgba(15,23,42,.6); display: flex; align-items: center; justify-content: center; padding: 20px; z-index: 4000; opacity: 0; visibility: hidden; transition: opacity .25s; }
    .promo-pop-overlay.active { opacity: 1; visibility: visible; }
    .promo-pop { position: relative; background: #fff; border-radius: 20px; max-width: 420px; width: 100%; padding: 38px 30px 32px; text-align: center; box-shadow: 0 24px 60px rgba(0,0,0,.28); transform: translateY(14px) scale(.97); transition: transform .25s; }
    .promo-pop-overlay.active .promo-pop { transform: translateY(0) scale(1); }
    .promo-pop-close { position: absolute; top: 12px; right: 16px; background: none; border: none; font-size: 1.6rem; line-height: 1; color: var(--gray); cursor: pointer; }
    .promo-pop-badge { display: inline-block; background: #FFF3D6; color: #B7791F; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .6px; padding: 6px 14px; border-radius: 999px; margin-bottom: 16px; }
    .promo-pop h3 { font-size: 1.4rem; color: var(--navy); margin-bottom: 10px; line-height: 1.3; }
    .promo-pop p { font-size: .95rem; color: var(--gray); line-height: 1.55; margin-bottom: 22px; }
    .promo-pop-btn { display: inline-flex; align-items: center; gap: 8px; background: var(--gold); color: #1A2233; padding: 14px 26px; border-radius: 11px; font-weight: 700; font-size: .98rem; text-decoration: none; transition: transform .2s, box-shadow .2s; }
    .promo-pop-btn:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(212,175,55,.4); }
    .promo-pop-later { display: block; margin-top: 14px; background: none; border: none; color: var(--gray); font-size: .82rem; cursor: pointer; text-decoration: underline; }