/* ============================================================
   KCGF V2 — Main Stylesheet
   Kosovo Credit Guarantee Fund / Fondi Kosovar për Garanci Kreditore
   ============================================================ */

:root {
  --teal: #3CB4B4;
  --tealD: #29a0a0;
  --navy: #0a1628;
  --grey: #969696;
  --off: #f7f8fa;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Manrope', sans-serif;
  background: #fff;
  color: var(--navy);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
.serif { font-family: 'Cormorant Garamond', serif; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ============================================================
   NAVIGATION
   ============================================================ */

#nav {
  position: fixed;
  top: 16px;
  left: 50%;
  transform: translateX(-50%);
  width: calc(100% - 40px);
  max-width: 1320px;
  z-index: 1000;
  padding: 10px 22px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid rgba(0, 0, 0, 0.07);
  transition: box-shadow 0.3s;
}
#nav.scrolled { box-shadow: 0 4px 28px rgba(0, 0, 0, 0.09); }

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo img {
  height: 42px;
  width: auto;
  object-fit: contain;
}

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  font-size: 12px;
  font-weight: 600;
  color: rgba(10, 22, 40, 0.58);
  padding: 7px 11px;
  border-radius: 9px;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  cursor: pointer;
}
.nav-links > li > a:hover,
.nav-links > li:hover > a {
  color: var(--navy);
  background: var(--off);
}
.nav-links > li > a .chevron {
  font-size: 9px;
  opacity: 0.5;
  transition: transform 0.2s;
  line-height: 1;
}
.nav-links > li:hover > a .chevron {
  transform: rotate(180deg);
  opacity: 0.8;
}

/* Dropdowns */
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: #fff;
  border-radius: 14px;
  border: 1px solid rgba(0, 0, 0, 0.09);
  padding: 6px;
  min-width: 220px;
  box-shadow: 0 12px 44px rgba(0, 0, 0, 0.11);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.18s ease, transform 0.18s ease;
  z-index: 300;
}
/* JS adds .dd-open — this is what actually shows the dropdown */
.nav-links > li.dd-open .dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.dropdown.align-left {
  left: 0;
  transform: translateX(0) translateY(-8px);
}
.nav-links > li.dd-open .dropdown.align-left {
  transform: translateX(0) translateY(0);
}
.dropdown.align-right {
  left: auto;
  right: 0;
  transform: translateX(0) translateY(-8px);
}
.nav-links > li.dd-open .dropdown.align-right {
  transform: translateX(0) translateY(0);
}
/* CSS :hover kept as immediate fallback (no gap issue on fast machines) */
.nav-links > li:hover .dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-links > li:hover .dropdown.align-left  { transform: translateX(0) translateY(0); }
.nav-links > li:hover .dropdown.align-right { transform: translateX(0) translateY(0); }
.dropdown.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-width: 420px;
}
.dropdown a {
  display: block;
  font-size: 12.5px;
  font-weight: 500;
  color: rgba(10, 22, 40, 0.68);
  padding: 8px 13px;
  border-radius: 8px;
  transition: background 0.15s, color 0.15s;
  text-decoration: none;
}
.dropdown a:hover {
  background: var(--off);
  color: var(--navy);
}
.dropdown a.highlight { color: var(--teal); font-weight: 600; }
.dropdown a.highlight:hover { background: rgba(60, 180, 180, 0.08); }

/* Nav right */
.nav-r {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.lang {
  display: flex;
  align-items: center;
  gap: 1px;
}
.lang button {
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Manrope', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: rgba(10, 22, 40, 0.35);
  padding: 3px 6px;
  border-radius: 4px;
  transition: color 0.2s;
}
.lang button.on { color: var(--teal); }
.lang-sep {
  color: rgba(0, 0, 0, 0.2);
  font-size: 10px;
  user-select: none;
  padding: 0 1px;
}
.nav-cta {
  font-size: 12px;
  font-weight: 700;
  background: var(--navy);
  color: #fff;
  padding: 9px 17px;
  border-radius: 50px;
  text-decoration: none;
  transition: background 0.2s;
  white-space: nowrap;
}
.nav-cta:hover { background: var(--teal); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: 8px;
  transition: background 0.2s;
}
.hamburger:hover { background: var(--off); }
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu */
.mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  background: #fff;
  z-index: 999;
  padding: 88px 24px 40px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.32s cubic-bezier(0.4, 0, 0.2, 1);
}
.mobile-menu.open { transform: none; }

.mobile-nav-item { border-bottom: 1px solid rgba(0, 0, 0, 0.06); }
.mobile-nav-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Manrope', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  padding: 16px 0;
  text-align: left;
  text-decoration: none;
}
.mobile-nav-toggle .m-chevron {
  font-size: 12px;
  opacity: 0.4;
  transition: transform 0.2s;
}
.mobile-nav-toggle.expanded .m-chevron { transform: rotate(180deg); }
.mobile-subnav {
  display: none;
  padding: 0 0 8px 16px;
}
.mobile-subnav.open { display: block; }
.mobile-subnav a {
  display: block;
  font-size: 14px;
  font-weight: 500;
  color: rgba(10, 22, 40, 0.62);
  padding: 10px 0;
  border-bottom: 1px solid rgba(0, 0, 0, 0.04);
  text-decoration: none;
  transition: color 0.2s;
}
.mobile-subnav a:hover { color: var(--teal); }
.mobile-subnav a:last-child { border-bottom: none; }
.mobile-ctas {
  padding: 28px 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: flex-start;
}

/* ============================================================
   MASTHEAD
   ============================================================ */

.masthead {
  padding: 10px 60px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 82px;
}
.mast-date {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--grey);
  white-space: nowrap;
}
.mast-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 13px;
  font-style: italic;
  color: var(--grey);
  text-align: center;
}
.mast-line {
  flex: 1;
  height: 1px;
  background: rgba(0, 0, 0, 0.1);
  margin: 0 20px;
}

/* ============================================================
   HERO
   ============================================================ */

#hero {
  padding: 60px 60px 80px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-bottom: 1px solid rgba(0, 0, 0, 0.1);
}
.hero-l {
  padding-right: 60px;
  border-right: 1px solid rgba(0, 0, 0, 0.1);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.hero-kicker {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 24px;
}
.hero-h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(60px, 7vw, 106px);
  font-weight: 700;
  line-height: 0.95;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 32px;
}
.hero-h1 em { font-style: italic; color: var(--teal); }
.hero-sub {
  font-size: 15.5px;
  font-weight: 400;
  line-height: 1.75;
  color: rgba(10, 22, 40, 0.55);
  max-width: 440px;
  margin-bottom: 40px;
}
.hero-ctas { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

.btn-teal {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  background: var(--teal);
  color: #fff;
  padding: 13px 26px;
  border-radius: 50px;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s;
  min-height: 44px;
}
.btn-teal:hover { background: var(--tealD); transform: translateY(-1px); }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 600;
  border: 1.5px solid rgba(10, 22, 40, 0.15);
  color: var(--navy);
  padding: 12px 22px;
  border-radius: 50px;
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s;
  min-height: 44px;
}
.btn-ghost:hover { border-color: var(--teal); color: var(--teal); }

.hero-r {
  padding-left: 60px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.hero-img-wrap {
  border-radius: 16px;
  overflow: hidden;
  flex: 1;
  min-height: 380px;
  background: linear-gradient(135deg, #0a1628, #1a3a6a);
}
.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s;
}
.hero-img-wrap:hover img { transform: scale(1.03); }

.hero-stats-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: rgba(0, 0, 0, 0.08);
  border-radius: 12px;
  overflow: hidden;
}
.hstat { background: #fff; padding: 16px 20px; }
.hstat-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 30px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.hstat-lbl {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey);
  margin-top: 4px;
}

/* ============================================================
   SECTION HEADERS
   ============================================================ */

.sec-hdr { padding: 72px 60px 0; }
.sec-kicker {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal);
  display: block;
  margin-bottom: 10px;
}
.sec-h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(44px, 4.5vw, 68px);
  font-weight: 700;
  line-height: 1.02;
  letter-spacing: -0.02em;
  color: var(--navy);
}
.sec-h2 em { font-style: italic; color: var(--teal); }

/* ============================================================
   STATS — decorative SVG background
   ============================================================ */

#stats {
  padding: 80px 60px;
  border-top: 1px solid rgba(0, 0, 0, 0.08);
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  position: relative;
  overflow: hidden;
}
#stats .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
  overflow: visible;
}
.stats-rule {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  position: relative;
  z-index: 1;
}
.stat-col {
  text-align: center;
  padding: 0 20px;
  border-right: 1px solid rgba(0, 0, 0, 0.08);
}
.stat-col:last-child { border-right: none; }
.stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(48px, 5vw, 78px);
  font-weight: 700;
  line-height: 1;
  color: var(--navy);
  letter-spacing: -0.03em;
}
.stat-num .teal { color: var(--teal); }
.stat-lbl {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey);
  margin-top: 8px;
}

/* ============================================================
   WINDOWS — decorative SVG background
   ============================================================ */

#windows {
  padding-bottom: 80px;
  position: relative;
  overflow: hidden;
}
#windows .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.win-list {
  margin: 0 60px;
  border-top: 1px solid rgba(0, 0, 0, 0.1);
  position: relative;
  z-index: 1;
}
.win-row {
  --wc: var(--teal);
  --wc-bg: rgba(60, 180, 180, 0.07);
  display: grid;
  grid-template-columns: 50px 84px 1fr auto auto;
  align-items: center;
  gap: 20px;
  padding: 18px 0 18px 12px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.07);
  cursor: pointer;
  transition: all 0.2s;
  border-left: 3px solid transparent;
  margin-left: -12px;
  text-decoration: none;
  color: inherit;
}
.win-row:hover {
  border-left-color: var(--wc);
  background: var(--wc-bg);
  transform: translateX(4px);
}
.win-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: rgba(10, 22, 40, 0.18);
}
.win-logo-cell {
  width: 84px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.win-logo-cell img {
  max-width: 80px;
  max-height: 44px;
  object-fit: contain;
  filter: saturate(0.8);
  transition: filter 0.2s;
}
.win-row:hover .win-logo-cell img { filter: none; }
.win-icon-fallback {
  width: 44px;
  height: 44px;
  border-radius: 11px;
  background: color-mix(in srgb, var(--wc) 12%, white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: var(--wc);
  transition: background 0.2s;
}
.win-row:hover .win-icon-fallback {
  background: color-mix(in srgb, var(--wc) 22%, white);
}
.win-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}
.win-desc {
  font-size: 12.5px;
  color: var(--grey);
  line-height: 1.5;
}
.win-badge {
  font-size: 11px;
  font-weight: 700;
  color: var(--wc);
  background: color-mix(in srgb, var(--wc) 12%, white);
  padding: 5px 13px;
  border-radius: 50px;
  white-space: nowrap;
  transition: background 0.2s;
}
.win-row:hover .win-badge {
  background: color-mix(in srgb, var(--wc) 22%, white);
}
.win-arrow {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(0, 0, 0, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--grey);
  flex-shrink: 0;
  transition: background 0.2s, border-color 0.2s, color 0.2s;
}
.win-row:hover .win-arrow {
  background: var(--wc);
  border-color: var(--wc);
  color: #fff;
}

/* ============================================================
   MISSION / ABOUT — decorative SVG background
   ============================================================ */

#about {
  background: var(--navy);
  padding: 100px 60px;
  position: relative;
  overflow: hidden;
}
#about .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.mission-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.mission-q {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3.5vw, 52px);
  font-weight: 600;
  line-height: 1.18;
  color: #fff;
  font-style: italic;
  margin-bottom: 28px;
}
.mission-q em { color: var(--teal); font-style: normal; }
.mission-p {
  font-size: 15px;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 24px;
}
.mission-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  color: var(--teal);
  text-decoration: none;
  transition: gap 0.2s;
}
.mission-link:hover { gap: 11px; }
.pillar-grid {
  display: flex;
  flex-direction: column;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  overflow: hidden;
}
.pillar {
  padding: 24px 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}
.pillar:last-child { border-bottom: none; }
.pillar-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 6px;
}
.pillar-title {
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 6px;
}
.pillar-body {
  font-size: 13px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.45);
}

/* ============================================================
   STORIES
   ============================================================ */

#stories { padding: 0 60px 80px; }
.story {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 16px;
}
.story-vis {
  position: relative;
  overflow: hidden;
  background: var(--navy);
}
.story-vis img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.55;
  display: block;
  transition: transform 0.6s;
}
.story:hover .story-vis img { transform: scale(1.04); }
.story-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(10, 22, 40, 0.6), transparent);
}
.story-stat {
  position: absolute;
  bottom: 36px;
  left: 36px;
}
.story-big {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(64px, 8vw, 108px);
  font-weight: 700;
  line-height: 0.9;
  letter-spacing: -0.04em;
}
.story-stat-lbl {
  font-size: 13px;
  margin-top: 8px;
  opacity: 0.7;
}
.story-content {
  padding: 44px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.story-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 18px;
}
.story-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(22px, 2.4vw, 32px);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 18px;
}
.story-quote {
  font-size: 14.5px;
  line-height: 1.75;
  font-style: italic;
  color: rgba(10, 22, 40, 0.62);
  margin-bottom: 24px;
}
.story-person-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.story-person-co { font-size: 12px; color: var(--teal); margin-top: 2px; }

/* ============================================================
   NEWS
   ============================================================ */

#news {
  padding: 0 60px 80px;
  background: var(--off);
}
.news-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 20px;
}
.news-card {
  background: #fff;
  border-radius: 18px;
  overflow: hidden;
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: transform 0.25s, box-shadow 0.25s;
}
.news-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.08);
}
.news-thumb {
  height: 180px;
  overflow: hidden;
  background: var(--off);
}
.news-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s;
}
.news-card:hover .news-thumb img { transform: scale(1.04); }
.news-body { padding: 24px; }
.news-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  display: flex;
  align-items: center;
  gap: 5px;
  margin-bottom: 6px;
}
.news-date { font-size: 11px; color: var(--grey); font-weight: 500; margin-bottom: 10px; }
.news-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
  margin-bottom: 10px;
}
.news-excerpt {
  font-size: 13px;
  line-height: 1.65;
  color: rgba(10, 22, 40, 0.52);
  margin-bottom: 14px;
}
.news-link {
  font-size: 12px;
  font-weight: 700;
  color: var(--teal);
  display: flex;
  align-items: center;
  gap: 5px;
  text-decoration: none;
  transition: gap 0.2s;
}
.news-link:hover { gap: 9px; }

/* ============================================================
   ELIGIBILITY CTA
   ============================================================ */

#eligibility {
  background: var(--teal);
  padding: 80px 60px;
}
.elig-wrap {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}
.elig-h {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(44px, 5vw, 72px);
  font-weight: 700;
  color: #fff;
  line-height: 1;
  margin-bottom: 18px;
}
.elig-sub {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 40px;
}
.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 700;
  background: #fff;
  color: var(--teal);
  padding: 16px 34px;
  border-radius: 50px;
  text-decoration: none;
  transition: transform 0.2s, box-shadow 0.2s;
  min-height: 44px;
}
.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
}

/* ============================================================
   PARTNERS
   ============================================================ */

#partners { padding: 80px 60px; }
.ptag {
  font-size: 12.5px;
  font-weight: 600;
  padding: 9px 18px;
  border-radius: 50px;
  background: var(--off);
  color: var(--navy);
  border: 1px solid rgba(10, 22, 40, 0.08);
  transition: border-color 0.2s, color 0.2s;
  white-space: nowrap;
  display: inline-block;
  min-height: 36px;
}
.ptag:hover { border-color: var(--teal); color: var(--teal); }
.dtag {
  font-size: 12.5px;
  font-weight: 600;
  padding: 9px 18px;
  border-radius: 50px;
  background: rgba(60, 180, 180, 0.1);
  color: var(--tealD);
  display: inline-block;
  min-height: 36px;
}

/* ============================================================
   FOOTER
   ============================================================ */

footer {
  background: var(--navy);
  padding: 64px 60px 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 52px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}
.footer-logo img {
  height: 48px;
  width: auto;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.85;
}
.footer-tagline {
  font-size: 13px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.38);
  max-width: 220px;
  margin-top: 14px;
}
.fcol-title {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 18px;
}
.flinks { display: flex; flex-direction: column; gap: 11px; }
.flinks a {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.48);
  text-decoration: none;
  transition: color 0.2s;
}
.flinks a:hover { color: #fff; }
.fcontact {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.45);
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin-bottom: 10px;
  line-height: 1.55;
}
.fcontact i { color: var(--teal); flex-shrink: 0; margin-top: 2px; }
.fcontact a { color: rgba(255, 255, 255, 0.45); text-decoration: none; transition: color 0.2s; }
.fcontact a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  flex-wrap: wrap;
  gap: 8px;
}
.fcopy { font-size: 11.5px; color: rgba(255, 255, 255, 0.28); }

/* ============================================================
   REVEAL ANIMATIONS
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}
.reveal.visible { opacity: 1 !important; transform: none !important; }
.stagger > .reveal:nth-child(1) { transition-delay: 0.00s; }
.stagger > .reveal:nth-child(2) { transition-delay: 0.08s; }
.stagger > .reveal:nth-child(3) { transition-delay: 0.16s; }
.stagger > .reveal:nth-child(4) { transition-delay: 0.24s; }
.stagger > .reveal:nth-child(5) { transition-delay: 0.32s; }
.stagger > .reveal:nth-child(6) { transition-delay: 0.40s; }
.stagger > .reveal:nth-child(7) { transition-delay: 0.48s; }
.stagger > .reveal:nth-child(8) { transition-delay: 0.56s; }
.stagger > .reveal:nth-child(9) { transition-delay: 0.64s; }
.stagger > .reveal:nth-child(10) { transition-delay: 0.72s; }

@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: none; }
}
#hl > * { animation: heroFadeUp 0.85s ease both; }
#hl > *:nth-child(1) { animation-delay: 0.12s; }
#hl > *:nth-child(2) { animation-delay: 0.22s; }
#hl > *:nth-child(3) { animation-delay: 0.32s; }

@keyframes heroFadeRight {
  from { opacity: 0; transform: translateX(32px); }
  to   { opacity: 1; transform: none; }
}
#hr > * { animation: heroFadeRight 0.85s ease both; }
#hr > *:nth-child(1) { animation-delay: 0.28s; }
#hr > *:nth-child(2) { animation-delay: 0.40s; }

/* ============================================================
   INTERIOR PAGE STYLES
   ============================================================ */

/* Breadcrumb */
.breadcrumb {
  padding: 14px 60px;
  font-size: 12px;
  color: var(--grey);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  display: flex;
  align-items: center;
  gap: 7px;
  flex-wrap: wrap;
  margin-top: 82px;
  background: var(--off);
}
.breadcrumb a {
  color: var(--grey);
  text-decoration: none;
  transition: color 0.2s;
}
.breadcrumb a:hover { color: var(--teal); }
.breadcrumb .sep { opacity: 0.4; font-size: 9px; }
.breadcrumb .current { color: var(--navy); font-weight: 600; }

/* Page hero */
.page-hero {
  padding: 80px 60px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  position: relative;
  overflow: hidden;
}
.page-hero .deco-bg {
  position: absolute;
  right: 60px;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  z-index: 0;
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero-kicker {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 20px;
  display: block;
}
.page-hero-h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(52px, 7vw, 96px);
  font-weight: 700;
  line-height: 0.95;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 24px;
}
.page-hero-h1 em { font-style: italic; color: var(--teal); }
.page-hero-sub {
  font-size: 16px;
  line-height: 1.75;
  color: rgba(10, 22, 40, 0.55);
  max-width: 580px;
}

/* ============================================================
   ABOUT / MISSION PAGE
   ============================================================ */

.mission-statement-section {
  padding: 80px 60px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.07);
}
.mission-lead {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 3.5vw, 46px);
  font-weight: 600;
  font-style: italic;
  line-height: 1.3;
  color: var(--navy);
  border-left: 4px solid var(--teal);
  padding-left: 32px;
  margin-bottom: 36px;
  max-width: 860px;
}
.mission-body {
  font-size: 16px;
  line-height: 1.85;
  color: rgba(10, 22, 40, 0.62);
  max-width: 760px;
}
.mission-body p + p { margin-top: 18px; }

/* Vision section (dark) */
.vision-section {
  background: var(--navy);
  padding: 80px 60px;
  position: relative;
  overflow: hidden;
}
.vision-section .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.vision-text .sec-kicker { color: rgba(60, 180, 180, 0.9); }
.vision-h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(38px, 4vw, 58px);
  font-weight: 700;
  line-height: 1.05;
  color: #fff;
  margin-bottom: 24px;
}
.vision-h2 em { font-style: italic; color: var(--teal); }
.vision-p {
  font-size: 15px;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.5);
}
.vision-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  overflow: hidden;
}
.vstat { background: rgba(255, 255, 255, 0.04); padding: 28px; }
.vstat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 48px;
  font-weight: 700;
  color: var(--teal);
  line-height: 1;
  letter-spacing: -0.03em;
}
.vstat-lbl {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.4);
  margin-top: 8px;
}

/* Values grid */
.values-section { padding: 80px 60px; }
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.value-card {
  border: 1px solid rgba(0, 0, 0, 0.08);
  border-radius: 20px;
  padding: 32px;
  transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s;
  position: relative;
  overflow: hidden;
}
.value-card:hover {
  border-color: rgba(60, 180, 180, 0.3);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.06);
  transform: translateY(-2px);
}
.value-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--teal);
  opacity: 0;
  transition: opacity 0.2s;
}
.value-card:hover::before { opacity: 1; }
.value-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px;
  font-weight: 700;
  color: rgba(10, 22, 40, 0.05);
  line-height: 1;
  margin-bottom: 12px;
}
.value-icon {
  width: 48px;
  height: 48px;
  border-radius: 13px;
  background: rgba(60, 180, 180, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  color: var(--teal);
  margin-bottom: 20px;
  transition: background 0.2s;
}
.value-card:hover .value-icon { background: rgba(60, 180, 180, 0.18); }
.value-title {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.value-body {
  font-size: 13.5px;
  line-height: 1.7;
  color: rgba(10, 22, 40, 0.55);
}

/* Strategic objectives */
.objectives-section {
  background: var(--off);
  padding: 80px 60px;
}
.objectives-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.obj-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: box-shadow 0.2s;
}
.obj-card:hover { box-shadow: 0 8px 30px rgba(0, 0, 0, 0.07); }
.obj-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  color: var(--teal);
  margin-bottom: 24px;
}
.obj-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.obj-body {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(10, 22, 40, 0.55);
}

/* ============================================================
   GROW WINDOW PAGE
   ============================================================ */

.grow-hero {
  padding: 80px 60px;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 60px;
  align-items: center;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  background: linear-gradient(140deg, #f0fdf4 0%, #fff 55%);
  position: relative;
  overflow: hidden;
}
.grow-hero .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.grow-logo-card {
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  border-radius: 24px;
  padding: 44px;
  border: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 12px 48px rgba(0, 0, 0, 0.07);
  position: relative;
  z-index: 1;
}
.grow-logo-card img {
  max-width: 260px;
  height: auto;
}
.grow-hero-content {
  position: relative;
  z-index: 1;
}
.grow-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(134, 250, 132, 0.18);
  color: rgb(40, 120, 38);
  border: 1px solid rgba(134, 250, 132, 0.45);
  padding: 8px 18px;
  border-radius: 50px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}
.grow-hero-content .page-hero-kicker { color: rgb(40, 120, 38); }
.grow-hero-content .page-hero-h1 em { color: rgb(40, 120, 38); }
.grow-ctas {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 32px;
  flex-wrap: wrap;
}
.btn-grow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  background: rgb(40, 120, 38);
  color: #fff;
  padding: 14px 28px;
  border-radius: 50px;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s;
  min-height: 44px;
}
.btn-grow:hover { background: rgb(30, 95, 28); transform: translateY(-1px); }

/* Program overview */
.program-overview {
  padding: 80px 60px;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
  align-items: start;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
}
.overview-sec-kicker { color: rgb(40, 120, 38); }
.overview-sec-h2 em { color: rgb(40, 120, 38); }
.overview-body {
  font-size: 15.5px;
  line-height: 1.82;
  color: rgba(10, 22, 40, 0.6);
  margin-top: 24px;
}
.overview-body p + p { margin-top: 18px; }
.guarantee-card {
  background: var(--navy);
  border-radius: 20px;
  padding: 36px;
  position: sticky;
  top: 100px;
}
.guarantee-card-title {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(134, 250, 132, 0.75);
  margin-bottom: 24px;
}
.guarantee-stat {
  padding-bottom: 20px;
  margin-bottom: 20px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.guarantee-stat:last-child { border-bottom: none; padding-bottom: 0; margin-bottom: 0; }
.guarantee-stat-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 42px;
  font-weight: 700;
  color: rgb(134, 250, 132);
  line-height: 1;
  letter-spacing: -0.02em;
}
.guarantee-stat-lbl {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.38);
  margin-top: 7px;
}

/* Eligibility section */
.eligibility-section {
  padding: 80px 60px;
  background: var(--off);
}
.elig-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  margin-top: 48px;
}
.elig-table-wrap {
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(0, 0, 0, 0.07);
}
.elig-table { width: 100%; border-collapse: collapse; }
.elig-table th {
  background: var(--navy);
  color: #fff;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 16px 20px;
  text-align: left;
}
.elig-table td {
  padding: 14px 20px;
  font-size: 13.5px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  color: var(--navy);
}
.elig-table tr:last-child td { border-bottom: none; }
.elig-table td:first-child {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: rgba(10, 22, 40, 0.45);
  white-space: nowrap;
}
.elig-table td:last-child { font-weight: 700; color: var(--navy); }
.elig-table tr:hover td { background: rgba(60, 180, 180, 0.03); }

.benefits-heading {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--grey);
  margin-bottom: 16px;
}
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}
.benefit-item:last-child { border-bottom: none; }
.benefit-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: rgba(134, 250, 132, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  color: rgb(40, 120, 38);
  flex-shrink: 0;
}
.benefit-title { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.benefit-desc { font-size: 12.5px; line-height: 1.55; color: rgba(10, 22, 40, 0.5); }

/* Process steps */
.process-section { padding: 80px 60px; }
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 56px;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 72px;
  right: 72px;
  height: 2px;
  background: linear-gradient(to right, var(--teal), rgba(60, 180, 180, 0.15));
  z-index: 0;
}
.step { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  margin: 0 auto 20px;
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--teal);
}
.step-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-body { font-size: 13px; line-height: 1.6; color: rgba(10, 22, 40, 0.55); }

/* Partner banks */
.banks-section {
  background: var(--off);
  padding: 60px;
  border-top: 1px solid rgba(0, 0, 0, 0.07);
  border-bottom: 1px solid rgba(0, 0, 0, 0.07);
}
.banks-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}
.bank-tag {
  font-size: 13px;
  font-weight: 600;
  padding: 10px 20px;
  border-radius: 50px;
  background: #fff;
  color: var(--navy);
  border: 1px solid rgba(0, 0, 0, 0.08);
  transition: border-color 0.2s, color 0.2s;
  min-height: 40px;
  display: inline-flex;
  align-items: center;
}
.bank-tag:hover { border-color: rgb(40, 120, 38); color: rgb(40, 120, 38); }

/* Grow CTA */
.grow-cta-section {
  background: linear-gradient(135deg, rgb(15, 70, 15), rgb(40, 120, 38));
  padding: 80px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.grow-cta-section .deco-bg {
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.grow-cta-inner { position: relative; z-index: 1; }

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1200px) {
  .nav-links > li > a { font-size: 11px; padding: 6px 8px; }
}

@media (max-width: 1024px) {
  .nav-links { display: none; }
  .nav-r .lang { display: none; }
  .nav-r .nav-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-menu { display: block; }

  #hero { grid-template-columns: 1fr; }
  .hero-l { border-right: none; padding-right: 0; }
  .hero-r { padding-left: 0; }

  .mission-grid { grid-template-columns: 1fr; gap: 40px; }
  .story { grid-template-columns: 1fr; }
  .story-vis { min-height: 260px; }
  .news-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  #stories-wrap { padding-left: 24px !important; padding-right: 24px !important; }
  #news-grid { margin-left: 24px !important; margin-right: 24px !important; }
  .grow-hero { grid-template-columns: 1fr; }
  .program-overview { grid-template-columns: 1fr; }
  .elig-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .objectives-grid { grid-template-columns: 1fr 1fr; }
  .vision-grid { grid-template-columns: 1fr; gap: 40px; }
  .process-steps { grid-template-columns: 1fr 1fr; }
  .process-steps::before { display: none; }
}

@media (max-width: 768px) {
  #nav { width: calc(100% - 24px); padding: 10px 16px; }

  .masthead,
  #hero,
  .sec-hdr,
  #stats,
  .win-list,
  #about,
  #stories,
  #news,
  #eligibility,
  #partners,
  footer,
  .breadcrumb,
  .page-hero,
  .mission-statement-section,
  .vision-section,
  .values-section,
  .objectives-section,
  .grow-hero,
  .program-overview,
  .eligibility-section,
  .process-section,
  .banks-section,
  .grow-cta-section {
    padding-left: 20px;
    padding-right: 20px;
  }

  .win-list { margin: 0; }
  .stats-rule { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .values-grid { grid-template-columns: 1fr; }
  .objectives-grid { grid-template-columns: 1fr; }
  .story-content { padding: 32px 28px; }
  .win-row { grid-template-columns: 40px 64px 1fr auto; }
  .win-arrow { display: none; }
  /* Override inline padding/margin from HTML */
  #stories-wrap { padding-left: 20px !important; padding-right: 20px !important; }
  #news-grid { margin-left: 0 !important; margin-right: 0 !important; }
  /* Benefits for FI grid on grow page */
  .eligibility-section [style*="grid-template-columns:repeat(3"] {
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .grow-ctas { flex-direction: column; align-items: flex-start; }
  .process-steps { grid-template-columns: 1fr; }
  .mast-title { display: none; }
  .news-body { padding: 18px; }
  .hero-stats-row { grid-template-columns: 1fr 1fr; }
  .win-badge { display: none; }
  #stories-wrap { padding-left: 16px !important; padding-right: 16px !important; }
  #news-grid { margin-left: 0 !important; margin-right: 0 !important; }
}