/* =========================================================
   UMINO Community Loan Services — Global Styles
   ========================================================= */
:root {
  --black: #000000;
  --green: #2e9e33;
  --green-dark: #24842a;
  --green-light: #f1faf0;
  --orange: #f5a623;
  --orange-dark: #f58220;
  --red: #e23a2e;
  --heading: #1a1a2e;
  --body: #5a5a5a;
  --card-gray: #f2f2f2;
  --white: #ffffff;
  --radius: 16px;
  --radius-lg: 28px;
  --shadow: 0 18px 40px rgba(0, 0, 0, 0.08);
  --shadow-sm: 0 8px 20px rgba(0, 0, 0, 0.06);
  --maxw: 1200px;
  --font: "Poppins", "Segoe UI", system-ui, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--body);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4, h5 { color: var(--heading); line-height: 1.2; font-weight: 600; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

.section { padding: 90px 0; }
.section-sm { padding: 60px 0; }
.sections { padding: 22px 14px; }

.eyebrow {
  color: green !important;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-size: 14px;
  margin-bottom: 12px;
}
.eyebrow.orange { color: var(--orange); }

.section-title { font-size: clamp(28px, 4vw, 42px); font-weight: 600; margin-bottom: 18px; font-style: normal; }
.section-title.upper { text-transform: uppercase; }
.lead { max-width: 720px; color: #000; font-size: 16px; font-style: normal;}
.text-center { text-align: center; }
.center-block { margin-left: auto; margin-right: auto; }
.green-text { color: var(--green); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 30px; border-radius: 40px; font-weight: 400; font-size: 15px;
  cursor: pointer; border: 2px solid transparent; transition: .25s ease;
  font-family: var(--font); text-align: center;
}
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: var(--green-dark); transform: translateY(-2px); }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { filter: brightness(.92); transform: translateY(-2px); }
.btn-outline { background: transparent; border-color: var(--green); color: var(--green); }
.btn-outline:hover { background: var(--green); color: #fff; }
.btn-orange { background: var(--orange); color: #fff; }
.btn-orange:hover { background: var(--orange-dark); }
.btn-light { background: #fff; color: var(--heading); }
.btn-sm { padding: 10px 22px; font-size: 14px; }
.btn-block { width: 100%; }

/* ---------- Navbar ---------- */
.nav-band { background: var(--black); padding: 16px 0; position: sticky; top: 0; z-index: 100; }
.nav-band.nav-transparent {
  background: var(--green-light);
  position: sticky; top: 0; z-index: 100;
}
.navbar {
  background: #fff; border-radius: 50px; padding: 10px 14px 10px 22px;
  display: flex; align-items: center; justify-content: space-between;
  box-shadow: var(--shadow-sm);
}
.nav-logo { display: flex; align-items: center; gap: 10px; }
.nav-logo img { height: 46px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { font-weight: 600; color: var(--heading); font-size: 15px; transition: color .2s; }
.nav-links a:hover, .nav-links a.active { color: var(--green); }
.nav-right { display: flex; align-items: center; gap: 14px; }
.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 6px;
}
.nav-toggle span { width: 26px; height: 3px; background: var(--heading); border-radius: 3px; transition: .3s; }

/* ---------- Hero (home) ---------- */
.hero {
  position: relative; background: var(--green-light);
  padding: 70px 0 90px; overflow: hidden;
}
.hero.hero-flush { padding-top: 50px; }
.hero.services-hero { padding-top: 50px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 50px; align-items: center; }
.hero h1 { font-size: clamp(34px, 5vw, 56px); font-weight: 600; margin-bottom: 22px; font-size: 43px;}
.hero p { font-size: 17px; margin-bottom: 30px; max-width: 520px; color: #000}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-media { position: relative; }
.hero-media .main-photo {
  box-shadow: var(--shadow);
  width: 100%; object-fit: cover;
}
.hero-badge {
  position: absolute; bottom: -22px; left: -22px; background: var(--orange);
  color: #fff; padding: 20px 26px; border-radius: 20px; max-width: 240px;
  font-style: italic; font-weight: 500; box-shadow: var(--shadow); font-size: 15px;
}

/* ---------- About hero photo collage (2x2 + orange quote card) ---------- */
.hero-collage {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.hero-collage .collage-img {
  width: 100%; height: 100%;
  object-fit: cover;
  border-radius: 16px;
  box-shadow: var(--shadow);
  display: block;
}
.hero-collage .collage-img.top {
  grid-column: 1 / -1;
  aspect-ratio: 16 / 8.5;
}
.hero-collage .collage-cell.bl-cell,
.hero-collage .collage-img.br { aspect-ratio: 1 / 1.06; }
.hero-collage .collage-cell.bl-cell {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.hero-collage .collage-cell.bl-cell .collage-img {
  border-radius: 0;
  box-shadow: none;
  object-position: 94% 40%;
}
.hero-quote-card {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 22px 24px 24px;
  color: #fff;
  background: linear-gradient(0deg,
    rgba(239, 125, 0, 1) 38%,
    rgba(239, 125, 0, 1) 0%,
    rgba(255, 255, 255, 0.3) 78%);
}
.hero-quote-card .quote-mark {
  display: block;
  font-family: poppins;
  font-size: 64px; line-height: 0.7; font-weight: 700;
  margin-bottom: -10px;
}
.hero-quote-card p {
  margin: 0; max-width: none;
  font-size: 22px; font-weight: 400; line-height: 1.3;
}
.hero-stats { display: flex; gap: 34px; margin-top: 40px; flex-wrap: wrap; }
.hero-stats .stat b { display: block; font-size: 30px; color: var(--heading); font-weight: 800; }
.hero-stats .stat span { font-size: 14px; }

/* ---------- Landing hero (homepage, blurry bg + cut-out people) ---------- */
.hero-landing { position: relative; overflow: hidden; background: #123a18; color: #fff; }
.nav-in-hero { position: fixed; top: 0; left: 0; right: 0; z-index: 100; background: transparent; padding: 22px 0 0; }
.hero-landing-bg {
  position: absolute; inset: 0; z-index: 0;
  background: url("../img/who.jpg") center 22% / cover no-repeat;
  filter: blur(0px) brightness(.80) saturate(1.05); transform: scale(1.14);
}
.hero-landing::before {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(100deg, rgba(12,45,18,.90) 0%, rgba(16,58,24,.80) 40%, rgba(14,50,20,.62) 70%, rgba(14,50,20,.55) 100%);
}
.hero-landing-top {
  position: relative; z-index: 2; display: block;
  min-height: 470px; padding: 258px 24px 24px;
}
.hero-copy { max-width: 702px; }
.hero-copy h1 {
  color: #fff; font-size: clamp(36px, 5.6vw, 68px); font-weight: 800; line-height: 1.02;
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 14px;
  text-shadow: 0 3px 26px rgba(0,0,0,.4);
}
.hero-tag { font-style: normal; font-weight: 500; font-size: clamp(17px, 2.1vw, 26px); color: #d7dde0; margin-bottom: 30px; }
.hero-landing .hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-landing .btn { border-radius: 30px; padding: 13px 30px; }
.btn-ghost { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.85); }
.btn-ghost:hover { background: #fff; color: var(--green-dark); }

/* cut-out people, anchored to the bottom of the whole hero so they overlap the band */
.hero-people { position: absolute; inset: 0; z-index: 3; pointer-events: none; }
.hero-people .hp {
  position: absolute; object-fit: contain;
  filter: drop-shadow(0 14px 26px rgba(0,0,0,.45));
}
.hp-group { right: 0; bottom: 0; width: 36%; z-index: 3; }

.hero-stats-band { position: relative; z-index: 2; background: var(--green); padding: 26px 0; }
.hero-stats-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 227px)); gap: 40px; }
.hstat b { display: block; font-size: clamp(26px, 3vw, 40px); font-weight: 800; color: var(--red); margin-bottom: 6px; }
.hstat p { color: #fff; font-size: 13.5px; line-height: 1.5; margin: 0; }

@media (max-width: 860px) {
  .hero-landing-top { min-height: 360px; padding: 120px 0 240px; }
  .hero-copy { text-align: center; max-width: none; }
  .hero-landing .hero-actions { justify-content: center; }
  .hp-group { right: auto; left: 50%; transform: translateX(-50%); width: 62%; max-width: 380px; bottom: 0; }
  .hero-stats-grid { grid-template-columns: 1fr; gap: 18px; text-align: center; justify-items: center; }
}

@media (max-width: 560px) {
  .hero-landing-top { padding: 110px 0 210px; }
  .hp-group { width: 84%; max-width: 320px; }
}

/* ---------- Who is Umino ---------- */
.who-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: stretch; }
.who-text { display: flex; flex-direction: column; justify-content: center; align-items: flex-start; }
.who-media { margin: -90px 0; margin-left: calc(-24px - max(0px, (100vw - var(--maxw)) / 2)); }
.who-media img { box-shadow: var(--shadow); width: 100%; height: 100%; object-fit: cover; display: block; }

/* ---------- Quote section ---------- */
.quote-section { background: #fff; text-align: center; padding: 90px 0 70px; }
.quote-section .container { max-width: 900px; }
.quote-mark-lg { display: block; text-align: left; font-family: var(--font); color: var(--orange); font-size: 180px; line-height: .5; margin-bottom: -62px; }
.quote-section h2 { color: var(--heading); font-weight: 800; font-size: clamp(26px, 4vw, 46px); line-height: 1.25; }

/* ---------- USSD (dark) ---------- */
.ussd { background: var(--black); color: #cfd3cf; }
.ussd-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 50px; align-items: end; }
.ussd-code { color: var(--red); font-size: clamp(44px, 7vw, 78px); font-weight: 800; letter-spacing: 2px; line-height: 1; margin-bottom: 16px; }
.ussd h2 { color: #fff; font-size: clamp(26px, 3.5vw, 38px); margin-bottom: 12px; }
.ussd .sub { margin-bottom: 28px; color: #b7bcb7; }
.ussd-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; }
.ussd-card {
  background: var(--green); color: #fff; padding: 20px 18px; border-radius: 16px;
  font-weight: 400; font-size: 15px; display: flex; flex-direction: column; align-items: center; text-align: center; gap: 12px; min-height: 118px;
}
.ussd-card .ussd-ico { width: 30px; height: 30px; }
.ussd-card .ussd-ico svg { width: 100%; height: 100%; display: block; }
.ussd-card .ussd-ico img { width: 100%; height: 100%; object-fit: contain; display: block; }
.ussd-apply { display: inline-block; margin-top: 26px; background: var(--green); color: #fff; border-radius: 30px; padding: 13px 34px; }
.ussd-apply:hover { background: var(--green-dark); color: #fff; }
.ussd-photo { display: flex; justify-content: center; align-items: flex-end; margin-bottom: -97px; }
.ussd-photo img { max-height: 460px; width: auto; display: block; }

/* ---------- How to apply ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 50px; position: relative; }
.step { text-align: center; padding: 30px 22px; }
.step-icon {
  width: 96px; height: 96px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 22px;
}
.step-icon img { width: 48px; height: 48px; }
.step .num { color: var(--green); font-weight: 800; }
.step h4 { font-size: 20px; margin: 8px 0 12px; color: #EF7D00; }
.step-arrow { position: absolute; top: 72px; font-size: 26px; color: var(--orange); }
.step-arrow img { width: 140px; height: auto; object-fit: contain; }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--black); color: #fff; display: grid; grid-template-columns: 1fr 400px; overflow: hidden; }
.testi-left { padding: 70px 60px 90px; }
.testi-left .quote-mark { display: block; font-size: 130px; line-height: .6; color: var(--orange); font-family: var(--font); margin-bottom: 30px; }
.testi-track { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; align-items: start; }
.testi-card { text-align: center; }
.testi-card .card-body { position: relative; background: #fff; color: var(--body); border-radius: 24px; padding: 46px 34px 74px; }
.testi-card .card-body::after { content: ""; position: absolute; left: 50%; bottom: 0; transform: translate(-50%, 50%); width: 118px; height: 118px; background: var(--black); border-radius: 50%; }
.testi-card .stars { color: var(--green); font-size: 20px; letter-spacing: 4px; margin-bottom: 18px; }
.testi-card .card-body p { font-size: 15px; line-height: 1.75; color: #000; }
.testi-card .who { position: relative; z-index: 2; margin-top: -48px; }
.testi-card .who .avatar { width: 96px; height: 96px; margin: 0 auto; border-radius: 50%; overflow: hidden; }
.testi-card .who .avatar img { width: 100%; height: 100%; object-fit: cover; display: block; }
.testi-card .who b { display: block; color: #fff; font-size: 20px; margin-top: 16px; }
.testi-card .who span { color: #b7bcb7; font-size: 14px; }
.testi-right { background: #1c5a20; padding: 70px 55px; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; gap: 34px; }
.testi-right h2 { color: #fff; font-weight: 600; text-transform: uppercase; font-size: clamp(30px, 3vw, 48px); line-height: 1.15; }
.testi-right button { width: 84px; height: 84px; border-radius: 50%; border: none; cursor: pointer; font-size: 32px; font-weight: bolder; color: #fff; transition: .2s; }
.testi-right .testi-next { background: var(--green); }
.testi-right .testi-prev { background: #555; }
.testi-right button:hover { transform: scale(1.06); }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 50px; align-items: start; }
.faq-item { background: var(--green-light); border-radius: 14px; margin-bottom: 14px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 20px 24px; font-size: 16px; font-weight: 600; color: var(--heading);
  display: flex; justify-content: space-between; align-items: center; gap: 16px; font-family: var(--font); }
.faq-q .chev { width: 18px; height: 18px; flex: none; background: url("../img/faq.png") center / contain no-repeat; transition: transform .3s; }
.faq-item.open .faq-q .chev { transform: rotate(180deg); background-image: url("../img/orang.png"); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; padding: 0 24px; }
.faq-item.open .faq-a { max-height: 300px; padding-bottom: 22px; }

/* ---------- Branches ---------- */
.branches { background: var(--card-gray); }
.branch-grid { display: grid; grid-template-columns: .8fr 1.4fr; gap: 0; align-items: end; position: relative; }
.branch-agent { position: relative; z-index: 2; margin-right: -60px; align-self: stretch; background-position: center bottom; background-repeat: no-repeat; background-size: contain; min-height: 480px; }
.branch-card { position: relative; overflow: hidden; background: var(--green); border-radius: 22px; padding: 40px 44px 40px 84px; color: #fff; }
.branch-card::before {
  content: ""; position: absolute; right: -60px; bottom: -80px; width: 340px; height: 340px;
  background: url("../img/Umino-06 2.png") center / contain no-repeat; opacity: .06; pointer-events: none;
}
.branch-list { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; column-gap: 34px; row-gap: 0; }
.branch-list::after {
  content: ""; position: absolute; top: 6px; bottom: 6px; left: 50%; width: 1px;
  background: rgba(255,255,255,.28); transform: translateX(-50%);
}
.branch { padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,.28); }
.branch:nth-child(odd) { padding-right: 30px; }
.branch:nth-child(even) { padding-left: 30px; }
.branch:nth-last-child(1), .branch:nth-last-child(2) { border-bottom: none; }
.branch h4 { color: #fff; font-weight: 700; font-size: 15px; letter-spacing: .5px; margin-bottom: 12px; }
.branch p { color: #f2fbf1; font-size: 13.5px; line-height: 1.5; margin-bottom: 10px; display: flex; gap: 10px; align-items: flex-start; }
.branch .ph { font-weight: 600; margin-bottom: 0; }
.branch .bi { width: 26px; height: 26px; object-fit: contain; flex: none; margin-top: 0; }

/* ---------- Branch boxes (About page grid) ---------- */
.branch-boxes { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 900px; margin: 0 auto; }
.branch-box { background: var(--card-gray); border-radius: 14px; padding: 26px 59px; }
.branch-box h4 { color: var(--green); font-weight: 700; text-transform: uppercase; font-size: 16px; letter-spacing: .5px; margin-bottom: 18px; }
.branch-box p { display: flex; gap: 14px; align-items: flex-start; color: #000; font-size: 14px; line-height: 1.55; margin-bottom: 14px; }
.branch-box p.ph { margin-bottom: 0; align-items: center; }
.branch-box .bx-ico { width: 30px; height: 30px; object-fit: contain; flex: none; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 50px; align-items: start; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 14px; font-weight: 500; color: var(--heading); margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 14px 16px; border: 1px solid #e3e6e3; background: var(--card-gray);
  border-radius: 12px; font-family: var(--font); font-size: 15px; color: var(--heading); transition: .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); background: #fff; }
.field textarea { resize: vertical; min-height: 130px; }
.field .err { color: var(--red); font-size: 13px; margin-top: 6px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--red); }
.field.invalid .err { display: block; }
.contact-form { text-align: center; }
.contact-form .form-row, .contact-form .field { text-align: left; }
.contact-form > .btn { margin: 10px auto 0; }
.contact-info .info-item { display: flex; gap: 16px; margin-bottom: 43px; align-items: flex-start; }
.contact-info .ic {
  width: 50px; height: 50px; border-radius: 50%; background: none;
  display: flex; align-items: center; justify-content: center; color: var(--orange); font-size: 20px; flex: none;
}
.contact-info .ic img { width: 100%; height: 100%; object-fit: contain; }
.contact-info h5 { text-transform: uppercase; font-size: 13px; letter-spacing: 1px; margin-bottom: 4px; color: var(--green); }
.social-row { display: flex; gap: 0px; margin-top: 6px; }
.social-row a {
  width: 42px; height: 42px; border-radius: 50%; transition: .2s;
  display: flex; align-items: center; justify-content: center;
}
.social-row a img { width: 72%; height: 100%; object-fit: contain; }
.social-row a:hover { transform: translateY(-2px); }
.form-note { font-size: 13px; margin-top: 10px; display: flex; gap: 8px; align-items: center; }
.form-success { display: none; background: var(--green-light); border: 1px solid var(--green);
  color: var(--green-dark); padding: 14px 18px; border-radius: 12px; margin-bottom: 18px; font-weight: 500; }

/* ---------- Footer ---------- */
.footer { background: var(--black); color: #a8ada8; padding: 70px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr 1fr 1.2fr; gap: 40px; }
.footer h5 { color: #fff; margin-bottom: 22px; font-size: 17px; }
.footer-brand img { height: 90px; margin-bottom: 18px; }
.footer-brand p { font-size: 14px; max-width: 280px; }
.footer-links li { margin-bottom: 12px; }
.footer-links a { font-size: 14px; transition: .2s; }
.footer-links a:hover { color: var(--green); }
.footer-contact p { font-size: 14px; margin-bottom: 12px; display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .fi { width: 18px; height: 18px; object-fit: contain; flex: none; margin-top: 1px; }
.footer-contact .btn { margin-bottom: 18px; }
.sub-form { display: flex; background: #fff; border-radius: 40px; padding: 5px; margin: 14px 0; }
.sub-form input { flex: 1; border: none; background: none; padding: 10px 16px; font-family: var(--font); outline: none; }
.sub-form button { border: none; }
.foot-check { font-size: 13px; display: flex; gap: 8px; align-items: center; }
.footer-bottom { text-align: center; padding: 24px 0; margin-top: 60px; border-top: 1px solid #e3e6e3; font-size: 14px; background: #fff; color: var(--body); }

/* ---------- Page banner (interior pages) ---------- */
.banner-hero { position: relative; background: #fff; padding: 54px 0 46px; }
.banner-hero::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 250px; background: var(--black); z-index: 0; }
.banner-hero .container { position: relative; z-index: 1; }
.page-banner { background: var(--green); color: #fff; text-align: center; padding: 76px 24px; border-radius: 8px; }
.page-banner h1 { color: #fff; font-size: clamp(30px, 5vw, 52px); text-transform: uppercase; letter-spacing: .5px; }
.page-banner p { color: #eafaea; }

/* ---------- About tabs ---------- */
.tabs { display: flex; gap: 26px; border-bottom: 0px solid #e3e6e3; margin: 26px 0 22px; flex-wrap: wrap; }
.tab {
  background: none; border: none; cursor: pointer; padding: 10px 2px 16px; font-family: var(--font);
  font-size: 16px; font-weight: 600; color: var(--body); position: relative;
}
.tab.active { color: var(--red); }
.tab.active::after { content: ""; position: absolute; left: 0; bottom: -1px; width: 100%; height: 3px; background: var(--red); border-radius: 3px; }
.tab-pane { display: none; }
.tab-pane.active { display: block; animation: fade .3s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

/* ---------- Team ---------- */
.team-grid { display: grid; gap: 28px; }
.team-grid.board { grid-template-columns: repeat(3, 1fr); max-width: 1140px; }
.team-grid.mgmt { grid-template-columns: repeat(6, 1fr); }
.team-grid.mgmt .team-card { grid-column: span 2; }
.team-grid.mgmt .team-card:nth-child(4) { grid-column: 2 / span 2; }
.team-grid.mgmt .team-card:nth-child(5) { grid-column: 4 / span 2; }
.team-card { position: relative; background: #fff; box-shadow: var(--shadow-sm); overflow: hidden; text-align: center; transition: .25s; }
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.team-photo { height: 573px; background: var(--card-gray); overflow: hidden; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.team-body {
  position: absolute;
  left: 6px; right: 6px; bottom: 6px;
  background: rgba(255, 255, 255, 0.7);
  padding: 18px;
  border-radius: 3px;
  box-shadow: var(--shadow-sm);
}
.team-body h4 { color: var(--green); font-size: 19px; text-transform: uppercase; }
.team-body span { display: block; color: var(--body); font-size: 14px; margin: 4px 0 16px; }
.team-grid.mgmt .team-body { background: rgba(255, 255, 255, 0.8); backdrop-filter: blur(4px); }

/* ---------- Modal ---------- */
.modal-overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,.55); z-index: 1000;
  display: none; align-items: center; justify-content: center; padding: 24px;
}
.modal-overlay.open { display: flex; }
.modal {
  background: var(--green-light); border-radius: 24px; max-width: 720px; width: 100%;
  max-height: 88vh; overflow-y: auto; position: relative; box-shadow: var(--shadow);
}
.modal-strip { height: 8px; background: linear-gradient(90deg, var(--orange) 50%, var(--green) 50%); }
.modal-inner { padding: 40px; }
.modal-close {
  position: absolute; top: 16px; right: 18px; background: #fff; border: none; width: 40px; height: 40px;
  border-radius: 50%; cursor: pointer; font-size: 20px; color: var(--heading); box-shadow: var(--shadow-sm); z-index: 2;
}
.modal-head { display: flex; gap: 22px; align-items: center; margin-bottom: 22px; }
.modal-head img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; object-position: top; flex: none; }
.modal-head h3 { color: var(--heading); font-size: 24px; }
.modal-head .role { color: var(--green); font-weight: 600; }
.modal-body p { margin-bottom: 14px; color: var(--body); font-size: 15px; }
.modal-actions { display: flex; align-items: center; gap: 14px; margin-top: 24px; }
.modal-actions .socials { display: flex; gap: 10px; }
.modal-actions .socials a {
  width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  background: #fff; box-shadow: var(--shadow-sm); color: var(--heading);
}
.modal-actions .socials a.li { color: #0a66c2; }

/* ---------- Services page ---------- */
.req { background: var(--black); color: #fff; }
.req h2 { color: #fff; }
.req-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 24px; margin: 40px auto 0; max-width: 896px; }
.req-card { background: var(--green); border-radius: 18px; padding: 30px 26px; grid-column: span 2; text-align: center; }
.req-grid .req-card:nth-child(4) { grid-column: 2 / span 2; }
.req-grid .req-card:nth-child(5) { grid-column: 4 / span 2; }
.req-card .ic { width: 60px; height: 60px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; }
.req-card .ic img { width: 60px; height: 60px; filter: brightness(0) invert(1); }
.req-card h4 { color: #fff; font-size: 17px; margin-bottom: 8px; }
.req-card p { color: #e6f5e6; font-size: 14px; }

.stories-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 40px; }
.story-card { background: #fff; box-shadow: var(--shadow-sm); overflow: hidden; transition: .25s; }
.story-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.story-card img { height: 340px; width: 100%; object-fit: cover; }
.story-body { padding: 24px; text-align: center; }
.story-body h4 { font-size: 15px; margin-bottom: 10px; }
.story-body p { font-size: 14px; margin-bottom: 16px; color: #000; }
.story-body .btn-green { display: inline-block; margin: 0 auto; padding: 1px 16px;     font-weight: 400;}

.gallery { text-align: center; }
.gallery-track { display: flex; align-items: center; justify-content: center; gap: 5px; margin: 30px auto 0; max-width: 1100px; }
.gallery-slide { position: relative; flex: 0 0 auto; overflow: hidden; }
.gallery-slide img { display: block; width: 100%; height: 100%; object-fit: cover; }
.gallery-slide.side { width: 30%; height: 360px; }
.gallery-slide.side::after { content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(0,0,0,.15) 8%, rgba(245,130,32,.85) 100%); }
.gallery-slide.active { width: 40%; height: 470px; box-shadow: var(--shadow); z-index: 2; }
.dots { display: flex; gap: 10px; justify-content: center; margin-top: 22px; }
.dots button { width: 12px; height: 12px; border-radius: 50%; border: none; background: #cfcfcf; cursor: pointer; transition: .2s; }
.dots button.active { background: var(--green); width: 30px; border-radius: 6px; }

/* ---------- Apply wizard ---------- */
.wizard { background: #fff; }
.wizard-card { background: #fff; border-radius: 24px; box-shadow: var(--shadow); padding: 40px; max-width: 900px; margin: 0 auto; }
.stepper { display: flex; justify-content: space-between; margin-bottom: 40px; position: relative; }
.stepper::before { content: ""; position: absolute; top: 22px; left: 8%; right: 8%; height: 3px; background: #e3e6e3; z-index: 0; }
.stepper .s { text-align: center; position: relative; z-index: 1; flex: 1; }
.stepper .s .circle {
  width: 46px; height: 46px; border-radius: 50%; background: #e3e6e3; color: #fff; font-weight: 700;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 8px; transition: .3s;
}
.stepper .s.active .circle, .stepper .s.done .circle { background: var(--green); }
.stepper .s.active .circle { box-shadow: 0 0 0 5px rgba(46,158,51,.2); }
.stepper .s span { font-size: 13px; color: var(--body); font-weight: 500; }
.stepper .s.active span { color: var(--green); font-weight: 600; }
.stepper .s small { display: block; margin-top: 8px; font-size: 12px; color: var(--body); font-weight: 500; }
.stepper .s.active small { color: var(--green); font-weight: 600; }
.stepper .s.done small { color: var(--green); }
.wstep { display: none; }
.wstep.active { display: block; animation: fade .3s ease; }
.wstep h3 { font-size: 24px; margin-bottom: 6px; }
.wstep .hint { margin-bottom: 26px; font-size: 15px; }
.wizard-nav { display: flex; justify-content: center; margin-top: 30px; gap: 14px; }
.dropzone { border: 2px dashed #c9d3c9; border-radius: 14px; padding: 30px; text-align: center; background: var(--card-gray); color: var(--body); cursor: pointer; transition: .2s; }
.dropzone:hover { border-color: var(--green); background: #fff; }
.dropzone input[type="file"] { display: none; }
.dropzone .di { display: block; font-size: 30px; color: var(--green); margin-bottom: 8px; }
.dropzone .dz-label { display: block; font-weight: 600; font-size: 14px; }
.review-block { border: 1px solid #e8ebe8; border-radius: 16px; padding: 24px; margin-bottom: 20px; }
.review-block .rb-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.review-block h4 { font-size: 18px; }
.review-block .edit { color: var(--green); font-weight: 600; cursor: pointer; font-size: 14px; background: none; border: none; font-family: var(--font); }
.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.review-grid .r-item { background: var(--card-gray); border-radius: 10px; padding: 12px 14px; }
.review-grid .r-item small { color: #9a9a9a; display: block; font-size: 12px; }
.review-grid .r-item b { color: var(--heading); font-weight: 600; font-size: 15px; }
.r-full { grid-column: 1 / -1; }
.wizard-done { text-align: center; padding: 20px; display: none; }
.wizard-done .big { width: 90px; height: 90px; border-radius: 50%; background: var(--green-light);
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.wizard-done .big img { width: 46px; }

/* ---------- Blog ---------- */
.blog-hero { position: relative; background: #fff; padding-top: 40px; }
.blog-hero::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 243px; background: var(--black); z-index: 0; }
.blog-hero .container { position: relative; z-index: 1; }
.blog-hero .blog-feature { margin-bottom: 0; }
.blog-article { padding-top: 46px; }
.blog-feature { position: relative; margin-bottom: 34px; }
.blog-feature::before { content: ""; position: absolute; top: -18px; left: -14px; right: -14px; height: 222px; background: linear-gradient(120deg, var(--orange), var(--orange)); border-radius: 24px 24px 0 0; z-index: 0; }
.blog-feature img { position: relative; z-index: 1; display: block; border-radius: 16px; width: 100%; height: 570px; object-fit: cover; }
.blog-body h1 { font-size: clamp(28px, 4vw, 40px); margin-bottom: 20px; }
.blog-body p { margin-bottom: 20px; }
.blog-split { display: grid; grid-template-columns: 1fr 1fr; gap: 34px; align-items: center; margin: 30px 0; }
.blog-split img { width: 100%; height: 320px; object-fit: cover; }
.share-row { display: flex; gap: 12px; align-items: center; padding: 20px 0; border-top: 1px solid #eee; border-bottom: 1px solid #eee; margin: 30px 0; }
.share-row a { width: 42px; height: 42px; border-radius: 50%; background: var(--green-light); color: var(--green);
  display: flex; align-items: center; justify-content: center; transition: .2s; }
.share-row a:hover { background: var(--green); color: #fff; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .nav-links { position: fixed; inset: 0 0 0 auto; width: 280px; background: #fff; flex-direction: column;
    padding: 90px 30px; gap: 22px; transform: translateX(100%); transition: .3s; box-shadow: var(--shadow); z-index: 120; }
  .nav-links.open { transform: none; }
  .nav-toggle { display: flex; }
  .hero-grid, .who-grid, .ussd-grid, .faq-grid, .branch-grid, .contact-grid, .blog-split { grid-template-columns: 1fr; }
  .who-media { margin: 0; }
  .ussd-cards, .req-grid, .stories-grid, .team-grid.mgmt { grid-template-columns: repeat(2, 1fr); }
  .req-grid .req-card,
  .req-grid .req-card:nth-child(4),
  .req-grid .req-card:nth-child(5) { grid-column: auto; }
  .team-grid.mgmt .team-card,
  .team-grid.mgmt .team-card:nth-child(4),
  .team-grid.mgmt .team-card:nth-child(5) { grid-column: auto; }
  .steps { grid-template-columns: 1fr; }
  .step-arrow { display: none; }
  .testimonials { grid-template-columns: 1fr; }
  .testi-left { padding: 50px 24px 70px; }
  .testi-track { grid-template-columns: 1fr; }
  .testi-right { align-items: center; text-align: center; padding: 50px 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-media { order: -1; }
  .branch-agent { margin-right: 0; min-height: 340px; }
  .branch-card { padding: 30px 24px; }
  .ussd-grid { align-items: stretch; }
  .ussd-photo { margin-bottom: 0; }
}
@media (max-width: 620px) {
  .section { padding: 60px 0; }
  .ussd-cards, .req-grid, .stories-grid, .team-grid.mgmt, .team-grid.board, .branch-list, .branch-boxes, .form-row, .review-grid, .footer-grid { grid-template-columns: 1fr; }
  .team-grid.mgmt .team-card,
  .team-grid.mgmt .team-card:nth-child(4),
  .team-grid.mgmt .team-card:nth-child(5) { grid-column: auto; }
  .wizard-card, .modal-inner { padding: 24px; }
  .stepper .s span { display: none; }
  .modal-head { flex-direction: column; text-align: center; }
  .branch-list::after { display: none; }
  .branch:nth-child(odd), .branch:nth-child(even) { padding-left: 0; padding-right: 0; }
  .branch:nth-last-child(2) { border-bottom: 1px solid rgba(255,255,255,.28); }
  .branch:nth-last-child(1) { border-bottom: none; }
}