/* ============================================================
   BEICOMPARE LOANS PAGE STYLES
   Extends shared.css — Loans Made Simple
   ============================================================ */

.loans-wrap { overflow: hidden; }

/* ============================================================
   HERO
   ============================================================ */
.loans-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  padding: 4.5rem 1.5rem 4rem;
  position: relative;
  overflow: hidden;
}
.loans-hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -40px;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(255,106,0,0.18) 0%, transparent 65%);
  pointer-events: none;
}
.loans-hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: 20%;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(59,130,246,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.loans-hero-inner { max-width: 1280px; margin: 0 auto; position: relative; z-index: 1; }
.loans-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,106,0,0.12);
  color: #fb923c;
  border: 1px solid rgba(255,106,0,0.25);
  border-radius: 999px;
  padding: 0.35rem 1rem;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 1.1rem;
  letter-spacing: 0.02em;
}
.loans-hero h1 {
  font-size: clamp(2.2rem, 5.5vw, 3.4rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.08;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
  max-width: 760px;
}
.loans-hero h1 .accent { color: var(--primary); }
.loans-hero-sub {
  color: #94a3b8;
  font-size: 1.1rem;
  line-height: 1.7;
  max-width: 620px;
  margin-bottom: 2rem;
}
.loans-hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  border-radius: 10px;
  padding: 0.85rem 1.75rem;
  box-shadow: 0 4px 18px rgba(255,106,0,0.35);
  transition: background 0.15s, transform 0.1s, box-shadow 0.15s;
}
.loans-hero-cta:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255,106,0,0.45);
}
.loans-hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 2.5rem;
}
.loans-hero-stat {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 0.85rem 1.25rem;
  min-width: 150px;
}
.loans-hero-stat .hs-val {
  font-size: 1.4rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
}
.loans-hero-stat .hs-lbl {
  font-size: 0.8rem;
  color: #64748b;
  margin-top: 0.15rem;
}

/* ============================================================
   SECTION SCAFFOLDING
   ============================================================ */
.ls-section { padding: 4.5rem 1.5rem; }
.ls-section-alt { background: #fff; border-top: 1px solid var(--border-light); border-bottom: 1px solid var(--border-light); }
.ls-inner { max-width: 1280px; margin: 0 auto; }
.ls-head { max-width: 760px; margin: 0 auto 2.75rem; text-align: center; }
.ls-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--primary-light);
  color: var(--primary);
  border: 1px solid rgba(255,106,0,0.2);
  border-radius: 999px;
  padding: 0.3rem 0.9rem;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.9rem;
}
.ls-head h2 {
  font-size: clamp(1.6rem, 3.2vw, 2.2rem);
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.02em;
  margin-bottom: 0.7rem;
}
.ls-head p { color: var(--muted-fg); font-size: 1rem; line-height: 1.7; }
.ls-head.left { text-align: left; margin-left: 0; }

/* ============================================================
   PERSONAL LOAN COMPARISON CARDS
   ============================================================ */
.loan-group-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--foreground);
  margin: 2.5rem 0 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.loan-group-title .amount-chip {
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 8px;
  padding: 0.25rem 0.75rem;
  font-size: 0.82rem;
  font-weight: 800;
}
.pl-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(320px, 100%), 1fr));
  gap: 1.5rem;
}
.pl-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative;
}
.pl-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: var(--accent, var(--primary));
}
.pl-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: var(--accent, rgba(255,106,0,0.3)); }
.pl-card-ac1 { --accent: hsl(25, 100%, 50%); }
.pl-card-ac2 { --accent: hsl(160, 60%, 36%); }
.pl-card-ac3 { --accent: hsl(210, 80%, 48%); }
.pl-card-ac4 { --accent: hsl(280, 60%, 45%); }
.pl-card-ac5 { --accent: hsl(32, 90%, 48%); }
.pl-card-ac6 { --accent: hsl(335, 70%, 45%); }
.pl-card-ac7 { --accent: hsl(180, 60%, 34%); }
.pl-card-ac8 { --accent: hsl(355, 70%, 48%); }
.pl-card-ac9 { --accent: hsl(260, 60%, 45%); }

.pl-card-head {
  padding: 1.35rem 1.5rem 1rem;
  background: color-mix(in srgb, var(--accent, var(--primary)) 8%, #fff);
  border-bottom: 1px solid var(--border-light);
}
.pl-card-head h3 { font-size: 1.15rem; font-weight: 800; color: var(--foreground); letter-spacing: -0.01em; }
.pl-card-head .pl-lender { font-size: 0.82rem; color: var(--muted-fg); margin-top: 0.2rem; }

.pl-card-body { padding: 1.25rem 1.5rem 1.5rem; flex: 1; display: flex; flex-direction: column; }
.pl-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0;
  border-bottom: 1px dashed var(--border-light);
  font-size: 0.9rem;
}
.pl-row:last-of-type { border-bottom: none; }
.pl-row .pl-row-label { color: var(--muted-fg); font-weight: 500; }
.pl-row .pl-row-val { font-weight: 700; color: var(--foreground); text-align: right; }
.pl-row.pl-strong .pl-row-val {
  color: var(--accent, var(--primary));
  font-size: 1.05rem;
  font-weight: 800;
}
.pl-total {
  margin-top: 1rem;
  padding: 1rem 1.1rem;
  border-radius: 12px;
  background: var(--primary-light);
  border: 1px solid rgba(255,106,0,0.15);
}

/* ============================================================
   LOAN CALCULATOR
   ============================================================ */
.calc-shell {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.calc-col { padding: 2.25rem 2.5rem; }
.calc-col + .calc-col {
  background: #f8fafc;
  border-left: 1px solid var(--border);
}
.calc-col-title {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted-fg);
  margin-bottom: 1.5rem;
}
.calc-col-input .calc-col-title { color: var(--primary); }
.calc-input {
  margin-bottom: 1.1rem;
}
.calc-input label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 0.4rem;
}
.calc-input label .req { color: var(--primary); }
.calc-input .calc-desc {
  font-size: 0.78rem;
  color: var(--muted-fg);
  margin-bottom: 0.4rem;
  line-height: 1.5;
}
.calc-input .field-wrap {
  position: relative;
}
.calc-input .field-prefix {
  position: absolute;
  left: 0.9rem; top: 50%;
  transform: translateY(-50%);
  color: var(--muted-fg);
  font-size: 0.9rem;
  font-weight: 600;
  pointer-events: none;
}
.calc-input input {
  width: 100%;
  padding: 0.7rem 0.9rem 0.7rem 3.1rem;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  color: var(--foreground);
  background: #fff;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.calc-input input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(255,106,0,0.1);
}
.calc-input.calc-no-prefix input { padding-left: 0.9rem; }
.calc-input.invalid input { border-color: #ef4444; box-shadow: 0 0 0 3px rgba(239,68,68,0.1); }
.calc-err {
  display: none;
  font-size: 0.75rem;
  color: #dc2626;
  margin-top: 0.3rem;
  font-weight: 600;
}
.calc-input.invalid .calc-err { display: block; }

.calc-output-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--border);
}
.calc-output-row:last-child { border-bottom: none; }
.calc-output-row .co-label { color: var(--muted-fg); font-size: 0.88rem; font-weight: 500; }
.calc-output-row .co-label small { display: block; font-size: 0.74rem; color: #94a3b8; }
.calc-output-row .co-val {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.01em;
  text-align: right;
}
.calc-output-row.co-hero {
  background: var(--primary-light);
  border-radius: 12px;
  padding: 1.1rem 1.2rem;
  border: 1px solid rgba(255,106,0,0.15);
}
.calc-output-row.co-hero .co-val { color: var(--primary); font-size: 1.5rem; }
.calc-output-row.co-disburse .co-val { color: hsl(160,60%,32%); }
.calc-note {
  font-size: 0.78rem;
  color: var(--muted-fg);
  margin-top: 1.1rem;
  line-height: 1.55;
  text-align: center;
}
.calc-reset-btn {
  margin-top: 1.25rem;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: none;
  border: 1.5px solid var(--border);
  color: var(--muted-fg);
  border-radius: 10px;
  padding: 0.55rem 1.2rem;
  font-size: 0.85rem;
  font-weight: 700;
  transition: all 0.15s;
}
.calc-reset-btn:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }

/* ============================================================
   BANK CARDS (3-col grid)
   ============================================================ */
.bank-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
}
.bank-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative;
  overflow: hidden;
}
.bank-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--accent, var(--primary));
}
.bank-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.bank-c1 { --accent: hsl(25,100%,50%); }
.bank-c2 { --accent: hsl(160,60%,36%); }
.bank-c3 { --accent: hsl(210,80%,48%); }
.bank-c4 { --accent: hsl(280,60%,45%); }
.bank-c5 { --accent: hsl(32,90%,48%); }
.bank-c6 { --accent: hsl(335,70%,45%); }
.bank-c7 { --accent: hsl(180,60%,34%); }
.bank-c8 { --accent: hsl(355,70%,48%); }
.bank-c9 { --accent: hsl(260,60%,45%); }
.bank-c10 { --accent: hsl(15,80%,50%); }
.bank-c11 { --accent: hsl(145,60%,36%); }
.bank-c12 { --accent: hsl(200,80%,44%); }
.bank-c13 { --accent: hsl(50,85%,45%); }
.bank-c14 { --accent: hsl(300,55%,45%); }
.bank-c15 { --accent: hsl(230,70%,48%); }

.bank-head { margin-bottom: 1rem; }
.bank-head h3 { font-size: 1.05rem; font-weight: 800; color: var(--foreground); letter-spacing: -0.01em; }
.bank-head .bank-type { font-size: 0.78rem; color: var(--accent, var(--primary)); font-weight: 700; margin-top: 0.15rem; }
.bank-rate-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: color-mix(in srgb, var(--accent, var(--primary)) 8%, #fff);
  border: 1px solid color-mix(in srgb, var(--accent, var(--primary)) 15%, var(--border));
  border-radius: 10px;
  padding: 0.7rem 0.9rem;
  margin-bottom: 1rem;
}
.bank-rate-row .br-label { font-size: 0.75rem; color: var(--muted-fg); font-weight: 600; }
.bank-rate-row .br-val { font-size: 1.25rem; font-weight: 800; color: var(--accent, var(--primary)); }
.bank-detail-row {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.5rem 0;
  border-bottom: 1px dashed var(--border-light);
  font-size: 0.86rem;
}
.bank-detail-row:last-child { border-bottom: none; }
.bank-detail-row .bd-label { color: var(--muted-fg); flex-shrink: 0; }
.bank-detail-row .bd-val { font-weight: 700; color: var(--foreground); text-align: right; }

/* ============================================================
   REQUIREMENTS (compact cards)
   ============================================================ */
.req-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 1.25rem;
}
.req-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  border-top: 4px solid var(--accent, var(--primary));
}
.req-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.req-c1 { --accent: hsl(25,100%,50%); }
.req-c2 { --accent: hsl(160,60%,36%); }
.req-c3 { --accent: hsl(210,80%,48%); }
.req-c4 { --accent: hsl(280,60%,45%); }
.req-c5 { --accent: hsl(32,90%,48%); }
.req-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: color-mix(in srgb, var(--accent, var(--primary)) 12%, #fff);
  color: var(--accent, var(--primary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 0.9rem;
}
.req-card h3 { font-size: 1rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.65rem; }
.req-card ul { list-style: none; }
.req-card li {
  position: relative;
  padding-left: 1.15rem;
  font-size: 0.875rem;
  color: var(--muted-fg);
  margin-bottom: 0.45rem;
  line-height: 1.5;
}
.req-card li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.55em;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent, var(--primary));
}

/* ============================================================
   LOAN FEES (editorial)
   ============================================================ */
.fees-list {
  max-width: 760px;
  margin: 0 auto;
}
.fee-item {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  padding: 1.15rem 0;
  border-bottom: 1px solid var(--border-light);
}
.fee-item:last-child { border-bottom: none; }
.fee-dot {
  width: 12px; height: 12px;
  flex-shrink: 0;
  border-radius: 50%;
  background: var(--primary);
  margin-top: 0.45rem;
}
.fee-item:nth-child(2) .fee-dot { background: hsl(160,60%,36%); }
.fee-item:nth-child(3) .fee-dot { background: hsl(210,80%,48%); }
.fee-item:nth-child(4) .fee-dot { background: hsl(280,60%,45%); }
.fee-item:nth-child(5) .fee-dot { background: hsl(32,90%,48%); }
.fee-name { font-weight: 700; color: var(--foreground); font-size: 0.95rem; }
.fee-fig { font-weight: 800; color: var(--primary); font-size: 0.95rem; margin-top: 0.1rem; }
.fee-note { font-size: 0.85rem; color: var(--muted-fg); margin-top: 0.25rem; line-height: 1.55; }

/* ============================================================
   WHY CHOOSE
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
}
.why-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}
.why-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.why-icon {
  width: 56px; height: 56px;
  margin: 0 auto 1rem;
  border-radius: 14px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}
.why-card h3 { font-size: 1rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.4rem; }
.why-card p { font-size: 0.85rem; color: var(--muted-fg); line-height: 1.55; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
}
.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  margin-bottom: 0.85rem;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.faq-item.open { border-color: rgba(255,106,0,0.3); box-shadow: var(--shadow-md); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  text-align: left;
  background: none;
  border: none;
  padding: 1.1rem 1.4rem;
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--foreground);
  cursor: pointer;
  font-family: inherit;
  transition: color 0.15s;
}
.faq-q:hover { color: var(--primary); }
.faq-q .faq-chev {
  flex-shrink: 0;
  width: 26px; height: 26px;
  border-radius: 8px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  transition: transform 0.25s;
}
.faq-item.open .faq-chev { transform: rotate(180deg); }
.faq-a {
  display: none;
  padding: 0 1.4rem 1.2rem;
  color: var(--muted-fg);
  font-size: 0.9rem;
  line-height: 1.7;
}
.faq-item.open .faq-a { display: block; }
.faq-a ul { list-style: disc; padding-left: 1.25rem; margin-top: 0.4rem; }
.faq-a li { margin-bottom: 0.3rem; }
.faq-a .faq-strong { font-weight: 700; color: var(--foreground); }

/* ============================================================
   SACCO SECTIONS
   ============================================================ */
.sacco-intro-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-md);
  max-width: 860px;
  margin: 0 auto 2.5rem;
}
.sacco-intro-card > p { color: var(--muted-fg); font-size: 1rem; line-height: 1.75; margin-bottom: 1.5rem; }
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.benefit-card {
  background: #f8fafc;
  border: 1px solid var(--border-light);
  border-radius: 12px;
  padding: 1.25rem;
  border-top: 3px solid var(--primary);
}
.benefit-card h4 { font-size: 0.95rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.35rem; }
.benefit-card p { font-size: 0.84rem; color: var(--muted-fg); line-height: 1.55; }

.elig-list {
  max-width: 760px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  box-shadow: var(--shadow-sm);
}
.elig-list li {
  position: relative;
  padding-left: 1.6rem;
  font-size: 0.95rem;
  color: var(--foreground);
  margin-bottom: 0.85rem;
  line-height: 1.55;
}
.elig-list li::before {
  content: '✓';
  position: absolute;
  left: 0; top: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* SACCO loan type cards */
.sacco-type-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(280px,100%),1fr)); gap: 1.4rem; }
.sacco-type-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
  display: flex;
  flex-direction: column;
}
.sacco-type-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.sacco-type-head {
  padding: 1.4rem 1.5rem;
  background: linear-gradient(135deg, #0f172a, #1e293b);
}
.sacco-type-head h3 { color: #fff; font-size: 1.15rem; font-weight: 800; margin-bottom: 0.2rem; }
.sacco-type-head .sti-purpose { color: #94a3b8; font-size: 0.85rem; }
.sacco-type-body { padding: 1.4rem 1.5rem; flex: 1; }
.sti-stat {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.5rem 0;
  border-bottom: 1px dashed var(--border-light);
  font-size: 0.88rem;
}
.sti-stat .si-label { color: var(--muted-fg); }
.sti-stat .si-val { font-weight: 700; color: var(--foreground); }
.sti-highlights { margin-top: 1rem; }
.sti-highlights h4 { font-size: 0.72rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted-fg); margin-bottom: 0.5rem; }
.sti-highlights ul { list-style: none; }
.sti-highlights li {
  position: relative;
  padding-left: 1.1rem;
  font-size: 0.85rem;
  color: var(--muted-fg);
  margin-bottom: 0.35rem;
  line-height: 1.5;
}
.sti-highlights li::before {
  content: '◆';
  position: absolute;
  left: 0; font-size: 0.55rem;
  color: var(--primary);
  top: 0.2rem;
}

/* SACCO savings & process */
.dark-info-section {
  background: linear-gradient(135deg, #0f172a, #1e293b);
  color: #e2e8f0;
}
.dark-info-section .ls-eyebrow { background: rgba(255,106,0,0.15); border-color: rgba(255,106,0,0.3); color: #fb923c; }
.dark-info-section .ls-head h2 { color: #fff; }
.dark-info-section .ls-head p { color: #94a3b8; }
.dark-info-section .where { max-width: 800px; margin: 0 auto 2.5rem; text-align: center; }
.dark-info-section .where .w-line { font-size: 1.35rem; font-weight: 800; color: #fff; margin-bottom: 1.5rem; line-height: 1.6; }
.dark-info-section .where .w-line .joiner { color: var(--primary); }
.dark-info-section .where p { color: #94a3b8; max-width: 640px; margin: 0 auto; line-height: 1.75; }
.key-points-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px,1fr)); gap: 1.25rem; margin-top: 2.5rem; }
.key-point {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px;
  padding: 1.5rem;
}
.key-point h4 { color: #fff; font-size: 1rem; font-weight: 800; margin-bottom: 0.4rem; }
.key-point p { color: #94a3b8; font-size: 0.88rem; line-height: 1.6; }

/* Savings account types */
.sav-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(280px,100%),1fr)); gap: 1.4rem; }
.sav-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  border-top: 4px solid var(--accent, var(--primary));
  transition: box-shadow 0.2s, transform 0.2s;
}
.sav-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.sav-s1 { --accent: hsl(25,100%,50%); }
.sav-s2 { --accent: hsl(210,80%,48%); }
.sav-s3 { --accent: hsl(160,60%,36%); }
.sav-card h3 { font-size: 1rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.4rem; }
.sav-card p { font-size: 0.85rem; color: var(--muted-fg); line-height: 1.6; }

/* Active membership */
.membership-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px,1fr));
  gap: 1rem;
}
.membership-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 1.35rem;
  box-shadow: var(--shadow-sm);
  border-left: 4px solid var(--primary);
}
.membership-card h4 { font-size: 0.95rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.3rem; }
.membership-card p { font-size: 0.84rem; color: var(--muted-fg); line-height: 1.55; }

/* Processing steps */
.steps-list {
  max-width: 720px;
  margin: 0 auto;
  counter-reset: step;
}
.step-item {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  padding: 1.1rem 0;
  border-bottom: 1px solid var(--border-light);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 800;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--primary);
}
.step-item h4 { font-size: 1rem; font-weight: 800; color: var(--foreground); }
.step-item p { font-size: 0.85rem; color: var(--muted-fg); line-height: 1.55; }

/* SACCO examples */
.sacco-ex-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(270px,100%),1fr)); gap: 1.25rem; }
.sacco-ex-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
  border-top: 4px solid var(--accent, var(--primary));
}
.sacco-ex-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.sac-e1 { --accent: hsl(25,100%,50%); }
.sac-e2 { --accent: hsl(160,60%,36%); }
.sac-e3 { --accent: hsl(210,80%,48%); }
.sac-e4 { --accent: hsl(280,60%,45%); }
.sac-e5 { --accent: hsl(32,90%,48%); }
.sac-e6 { --accent: hsl(335,70%,45%); }
.sac-e7 { --accent: hsl(180,60%,34%); }
.sac-e8 { --accent: hsl(355,70%,48%); }
.sacco-ex-card h3 { font-size: 1.05rem; font-weight: 800; color: var(--foreground); margin-bottom: 0.3rem; }
.sacco-ex-card .se-industry { font-size: 0.84rem; color: var(--accent, var(--primary)); font-weight: 700; }

/* SACCO comparison */
.sacco-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(300px,100%),1fr)); gap: 1.5rem; }
.sacco-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.sacco-card::before {
  content: '';
  display: block;
  height: 5px;
  background: var(--accent, var(--primary));
}
.sac-c1 { --accent: hsl(25,100%,50%); }
.sac-c2 { --accent: hsl(160,60%,36%); }
.sac-c3 { --accent: hsl(210,80%,48%); }
.sacco-card-head { padding: 1.3rem 1.5rem 0.9rem; }
.sacco-card-head h3 { font-size: 1.1rem; font-weight: 800; color: var(--foreground); letter-spacing: -0.01em; }
.sacco-card-body { padding: 0.5rem 1.5rem 1.4rem; flex: 1; }
.sacco-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0;
  border-bottom: 1px dashed var(--border-light);
  font-size: 0.88rem;
}
.sacco-row .sc-label { color: var(--muted-fg); }
.sacco-row .sc-val { font-weight: 700; color: var(--foreground); text-align: right; }
.sacco-row.sc-strong .sc-val { color: var(--accent, var(--primary)); font-weight: 800; }

/* CTA */
.ls-cta {
  background: linear-gradient(135deg, #ff6a00 0%, #ff8c1a 100%);
  color: #fff;
  text-align: center;
  padding: 3.75rem 1.5rem;
  position: relative;
  overflow: hidden;
}
.ls-cta::before {
  content: '';
  position: absolute;
  top: -60px; left: 10%;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.18) 0%, transparent 65%);
}
.ls-cta-inner { max-width: 720px; margin: 0 auto; position: relative; z-index: 1; }
.ls-cta h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); font-weight: 800; margin-bottom: 0.8rem; letter-spacing: -0.02em; }
.ls-cta p { font-size: 1.05rem; opacity: 0.95; margin-bottom: 1.75rem; line-height: 1.65; }
.btn-cta-white {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #fff;
  color: #0f172a;
  font-weight: 800;
  border-radius: 12px;
  padding: 0.9rem 2rem;
  box-shadow: 0 6px 20px rgba(0,0,0,0.15);
  transition: transform 0.1s, box-shadow 0.15s;
  font-size: 1rem;
}
.btn-cta-white:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(0,0,0,0.22); }

/* ============================================================
   DIGITAL LENDERS
   ============================================================ */
.dl-intro {
  max-width: 780px;
  margin: 0 auto 3rem;
  text-align: center;
}
.dl-intro .dl-main { color: var(--foreground); font-size: 1.05rem; font-weight: 600; margin-bottom: 0.75rem; line-height: 1.65; }
.dl-intro .dl-sub { color: var(--muted-fg); font-size: 0.95rem; line-height: 1.7; }

.dl-points-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px,1fr));
  gap: 1rem;
  max-width: 860px;
  margin: 0 auto 3rem;
}
.dl-point {
  text-align: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 1.4rem 1.1rem;
  box-shadow: var(--shadow-sm);
}
.dl-point .dp-icon {
  width: 46px; height: 46px;
  margin: 0 auto 0.6rem;
  border-radius: 12px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
}
.dl-point h4 { font-size: 0.92rem; font-weight: 800; color: var(--foreground); }
.dl-point p { font-size: 0.8rem; color: var(--muted-fg); margin-top: 0.2rem; }

.dl-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.dl-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s;
}
.dl-card::before {
  content: '';
  display: block;
  height: 5px;
  background: var(--accent, var(--primary));
}
.dl-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.dl-c1 { --accent: hsl(25,100%,50%); }
.dl-c2 { --accent: hsl(160,60%,36%); }
.dl-c3 { --accent: hsl(210,80%,48%); }
.dl-c4 { --accent: hsl(280,60%,45%); }
.dl-c5 { --accent: hsl(32,90%,48%); }
.dl-c6 { --accent: hsl(335,70%,45%); }
.dl-c7 { --accent: hsl(180,60%,34%); }
.dl-c8 { --accent: hsl(355,70%,48%); }
.dl-c9 { --accent: hsl(260,60%,45%); }
.dl-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 1.25rem 1.4rem 0.85rem;
}
.dl-card-head h3 { font-size: 1.25rem; font-weight: 800; color: var(--foreground); letter-spacing: -0.01em; }
.dl-licensed-badge {
  font-size: 0.65rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background: hsla(142,71%,45%,0.1);
  color: hsl(142,62%,32%);
  border: 1px solid hsla(142,71%,45%,0.25);
  border-radius: 999px;
  padding: 0.2rem 0.6rem;
  white-space: nowrap;
}
.dl-card-body { padding: 0.4rem 1.4rem 1.3rem; flex: 1; display: flex; flex-direction: column; }
.dl-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0;
  border-bottom: 1px dashed var(--border-light);
  font-size: 0.88rem;
}
.dl-row:last-child { border-bottom: none; }
.dl-row .dl-label { color: var(--muted-fg); }
.dl-row .dl-val { font-weight: 700; color: var(--foreground); text-align: right; }
.dl-row.dl-rate .dl-val { color: var(--accent, var(--primary)); font-weight: 800; font-size: 1rem; }

/* Newly licensed scroller */
.dl-scroller-section { background: #0f172a; color: #e2e8f0; }
.dl-scroller-section .ls-eyebrow { background: rgba(255,106,0,0.15); border-color: rgba(255,106,0,0.3); color: #fb923c; }
.dl-scroller-section .ls-head h2 { color: #fff; }
.dl-scroller-section .ls-head p { color: #94a3b8; }
.dl-scroller {
  max-width: 680px;
  margin: 0 auto;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 18px;
}
.dl-scroller-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.4rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.dl-scroller-head span {
  font-size: 0.8rem;
  color: #94a3b8;
  font-weight: 700;
}
.dl-scroller-count {
  background: var(--primary);
  color: #fff;
  border-radius: 999px;
  padding: 0.2rem 0.7rem;
  font-size: 0.78rem;
  font-weight: 800;
}
.dl-scroll-list {
  max-height: 320px;
  overflow-y: auto;
  padding: 0.75rem 0.5rem;
}
.dl-scroll-list li {
  list-style: none;
  padding: 0.65rem 1rem;
  font-size: 0.92rem;
  color: #cbd5e1;
  border-radius: 8px;
  transition: background 0.12s, color 0.12s, padding-left 0.12s;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.dl-scroll-list li::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--primary);
  flex-shrink: 0;
  opacity: 0.7;
}
.dl-scroll-list li:hover { background: rgba(255,255,255,0.06); color: #fff; padding-left: 1.25rem; }
.dl-scroll-list::-webkit-scrollbar { width: 6px; }
.dl-scroll-list::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.2); border-radius: 6px; }
.dl-scroll-list::-webkit-scrollbar-track { background: transparent; }
.dl-scroller-foot { padding: 0.8rem 1.4rem; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.78rem; color: #64748b; }

/* Requirements list */
.dl-req-list {
  max-width: 640px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  box-shadow: var(--shadow-sm);
}
.dl-req-list li {
  position: relative;
  padding-left: 2rem;
  padding-top: 0.1rem;
  font-size: 0.95rem;
  color: var(--foreground);
  margin-bottom: 0.9rem;
  line-height: 1.55;
}
.dl-req-list li::before {
  content: '✓';
  position: absolute;
  left: 0; top: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .bank-grid { grid-template-columns: repeat(2, 1fr); }
  .dl-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-col + .calc-col { border-left: none; border-top: 1px solid var(--border); }
}

@media (max-width: 768px) {
  .ls-section { padding: 3rem 1.25rem; }
  .loans-hero { padding: 3rem 1.25rem 2.75rem; }
  .loans-hero-stats { gap: 0.75rem; margin-top: 2rem; }
  .loans-hero-stat { min-width: 130px; padding: 0.7rem 1rem; }
  .pl-grid { grid-template-columns: repeat(auto-fill, minmax(min(280px,100%),1fr)); gap: 1.1rem; }
  .calc-col { padding: 1.5rem 1.4rem; }
  .sacco-intro-card { padding: 1.5rem; }
  .elig-list { padding: 1.5rem 1.4rem; }
  .dl-req-list { padding: 1.5rem 1.4rem; }
  .dl-grid { grid-template-columns: 1fr; }
  .bank-grid { grid-template-columns: 1fr; }
  .ls-cta { padding: 3rem 1.25rem; }
}

@media (max-width: 480px) {
  .ls-section { padding: 2.5rem 1rem; }
  .loans-hero { padding: 2.5rem 1rem 2.25rem; }
  .loans-hero h1 { font-size: 2rem; }
  .loans-hero-sub { font-size: 1rem; }
  .loans-hero-cta { width: 100%; justify-content: center; }
  .loans-hero-stats { flex-direction: column; }
  .loans-hero-stat { min-width: 100%; }
  .pl-card-body { padding: 1rem 1.15rem 1.25rem; }
  .calc-col { padding: 1.25rem 1rem; }
  .calc-output-row .co-val { font-size: 1.05rem; }
  .calc-output-row.co-hero .co-val { font-size: 1.3rem; }
  .benefit-grid, .key-points-grid, .membership-grid, .why-grid, .req-grid { grid-template-columns: 1fr; }
  .sacco-intro-card { padding: 1.25rem; }
  .elig-list, .dl-req-list { padding: 1.25rem; }
  .steps-list { padding: 0; }
  .fee-item { flex-direction: column; gap: 0.4rem; }
}

/* ============================================================
   DIGITAL LENDER CALCULATOR
   ============================================================ */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  max-width: 980px;
  margin: 0 auto;
}
.calc-card {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 1.75rem;
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.06);
}
.calc-card--out { background: #f8fafc; }
.calc-card__title {
  margin: 0 0 1.25rem;
  font-size: 1.15rem;
  color: #0f172a;
}
.calc-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #475569;
  margin: 0.85rem 0 0.35rem;
}
.calc-input,
.calc-select,
.calc-btn { font: inherit; box-sizing: border-box; }
.calc-input {
  width: 100%;
  padding: 0.7rem 0.9rem;
  border: 1px solid #cbd5e1;
  border-radius: 10px;
  background: #fff;
  color: #0f172a;
}
.calc-input:focus {
  outline: none;
  border-color: #ff6a00;
  box-shadow: 0 0 0 3px rgba(255, 106, 0, 0.15);
}
.calc-inline-group { display: flex; gap: 0.5rem; }
.calc-input--half { flex: 1 1 60%; }
.calc-select--half {
  flex: 1 1 40%;
  padding: 0.7rem 0.5rem;
  border: 1px solid #cbd5e1;
  border-radius: 10px;
  background: #fff;
  color: #0f172a;
}
.calc-btn {
  width: 100%;
  margin-top: 1.25rem;
  padding: 0.8rem 1.2rem;
  border: none;
  border-radius: 10px;
  background: linear-gradient(135deg, #ff6a00, #ff8c42);
  color: #fff;
  font-weight: 600;
  cursor: pointer;
  transition: opacity 0.2s;
}
.calc-btn:hover { opacity: 0.9; }
.calc-results { display: flex; flex-direction: column; gap: 0.65rem; }
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.5rem;
  padding: 0.7rem 0.9rem;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
}
.calc-row--accent {
  background: linear-gradient(135deg, #0f172a, #1e293b);
  color: #fff;
}
.calc-row__label { font-size: 0.88rem; color: #334155; }
.calc-row--accent .calc-row__label { color: #fbbf24; }
.calc-row__val { font-weight: 700; color: #0f172a; font-size: 0.95rem; }
.calc-row--accent .calc-row__val { color: #fff; font-size: 1.05rem; }
.calc-note { font-size: 0.78rem; color: #64748b; margin: 1rem 0 0; }

@media (max-width: 720px) {
  .calc-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   SACCO LOAN CALCULATOR (inside SACCO Loan Types section)
   ============================================================ */
.sacco-calc { margin-top: 4.5rem; }
.sacco-calc .ls-head { margin-bottom: 2.5rem; }

.sacco-calc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.35rem;
}
.sacco-calc-actions .calc-reset-btn { margin-top: 0; }
.sacco-calc-primary {
  flex: 1 1 220px;
  justify-content: center;
  padding: 0.85rem 1.5rem;
  font-size: 1rem;
}

.sacco-calc-msg {
  display: none;
  margin-bottom: 1rem;
  padding: 0.8rem 1rem;
  border-radius: 10px;
  background: #fff7ed;
  border: 1px solid #fdba74;
  color: #9a3412;
  font-size: 0.85rem;
  font-weight: 600;
  line-height: 1.55;
}
.sacco-calc-msg.show { display: block; }

@media (max-width: 480px) {
  .sacco-calc-actions { flex-direction: column; }
  .sacco-calc-primary,
  .sacco-calc-actions .calc-reset-btn { width: 100%; justify-content: center; }
}