/* =========================================================
   BOSS LENDING — PHASE 2 VISUAL SYSTEM
   ========================================================= */
:root{
 --shadow:0 24px 70px rgba(4,41,29,.10);
 --shadow-lg:0 35px 100px rgba(4,41,29,.16);
}
em{color:var(--green);font-style:normal}
.section-heading>p,.section-heading h2+p{margin-top:22px;color:var(--muted);max-width:680px}
.btn-green{background:var(--green);color:#fff;box-shadow:0 14px 30px rgba(15,107,69,.18)}
.btn-green:hover{transform:translateY(-3px);box-shadow:0 20px 38px rgba(15,107,69,.25)}
.btn.wide{width:100%;justify-content:center}
.text-link{display:inline-flex;align-items:center;gap:10px;color:var(--green);font-weight:800;font-size:13px;margin-top:26px}
.text-link span{transition:transform .3s var(--ease)}
.text-link:hover span{transform:translateX(5px)}
/* Logo */
.brand-mark{position:relative;overflow:hidden}
.brand-mark:before{content:"";position:absolute;inset:6px;border:1px solid rgba(255,255,255,.35);border-radius:9px;transform:rotate(45deg)}
.brand-mark span{position:relative;z-index:1}
/* Page hero */
.page-hero{min-height:72svh;display:flex;align-items:center;position:relative;overflow:hidden;isolation:isolate}
.page-hero-inner{position:relative;z-index:2;padding-top:100px;max-width:900px}
.page-hero h1{font-family:var(--font-display);font-size:clamp(48px,7vw,92px);line-height:.98;letter-spacing:-.065em;max-width:980px;margin-top:20px}
.page-hero h1 em{color:#9DCEB8}
.page-hero p{max-width:690px;font-size:18px;color:#b9d2c7;margin-top:28px}
.page-hero .hero-actions{margin-top:34px}
.page-hero .hero-orb{position:absolute;z-index:-1;border-radius:50%;filter:blur(2px);pointer-events:none}
.page-hero .hero-orb-one{width:430px;height:430px;right:-120px;top:12%;background:radial-gradient(circle,rgba(63,174,120,.23),transparent 68%)}
.page-hero .hero-orb-two{width:520px;height:520px;left:42%;bottom:-350px;background:radial-gradient(circle,rgba(255,255,255,.09),transparent 68%)}
/* split feature */
.split-feature{display:grid;grid-template-columns:minmax(420px,.78fr) minmax(520px,1.22fr);gap:72px;align-items:start}
.feature-number{font:800 76px/1 var(--font-display);letter-spacing:-.07em;color:#dfeae4}
.feature-number span{font-size:20px;color:var(--green);margin-left:7px}
.split-feature .section-heading{max-width:850px}
.split-feature .section-heading h2{font-size:clamp(40px,5vw,70px)}
.split-feature .section-heading p{font-size:18px;line-height:1.8}
.split-feature.light .feature-number{color:rgba(255,255,255,.13)}
.split-feature.light .section-heading p{color:#bad2c8}
.split-feature.light .section-heading h2{color:white}
.split-feature.light .section-heading h2 em{color:#9DCEB8}
.split-feature.light .btn{margin-top:28px}
/* principles */
.soft-section{background:var(--green-pale)}
.principle-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);margin-top:65px;border:1px solid var(--line)}
.principle{background:white;padding:36px 30px;min-height:270px;transition:transform .5s var(--ease),box-shadow .5s}
.principle:hover{transform:translateY(-8px);box-shadow:var(--shadow);position:relative;z-index:2}
.principle span{font:800 12px var(--font-display);color:var(--green)}
.principle h3{font:700 28px var(--font-display);margin:58px 0 10px;letter-spacing:-.04em}
.principle p{color:var(--muted);font-size:14px}
/* quote */
.quote-panel{display:grid;grid-template-columns:100px 1fr;gap:40px;align-items:center;padding:70px;border:1px solid var(--line);border-radius:var(--radius-lg);background:linear-gradient(135deg,#fff,#f5faf7);box-shadow:var(--shadow)}
.quote-mark{font:800 120px/.7 Georgia;color:var(--green);opacity:.18}
.quote-panel h2{font:700 clamp(34px,4.5vw,60px)/1.05 var(--font-display);letter-spacing:-.055em;max-width:850px}
/* tiers */
.tier-page-grid{margin-top:65px}
.tier-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;min-height:380px;overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s,border-color .4s}
.tier-card:before{content:"";position:absolute;inset:auto -30% -60% 20%;height:250px;background:radial-gradient(circle,rgba(15,107,69,.11),transparent 65%);transition:transform .6s var(--ease)}
.tier-card:hover{transform:translateY(-10px);box-shadow:var(--shadow-lg);border-color:#b9d7ca}
.tier-card:hover:before{transform:translateY(-40px)}
.tier-card.featured{background:var(--green-deep);color:#fff;border-color:var(--green-deep)}
.tier-card.featured .tier-tag,.tier-card.featured>p{color:#b7d1c5}
.tier-card.featured .tier-line{background:rgba(255,255,255,.13)}
.tier-card.featured .text-link{color:#9DCEB8}
.tier-top{display:flex;justify-content:space-between;align-items:center}
.tier-name{font:800 12px var(--font-display);text-transform:uppercase;letter-spacing:.16em;color:var(--green)}
.featured .tier-name{color:#9DCEB8}
.tier-index{font:800 11px var(--font-display);color:#9aa8a2}
.tier-price{font:800 clamp(42px,4vw,58px)/1 var(--font-display);letter-spacing:-.06em;margin-top:70px}
.tier-tag{font:700 15px var(--font-display);margin-top:12px}
.tier-card>p:not(.tier-tag){color:var(--muted);font-size:14px;max-width:290px;margin-top:8px}
.tier-line{height:1px;background:var(--line);margin-top:34px}
.tier-card .text-link{position:relative;z-index:2}
/* process */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:65px;border-top:1px solid var(--line)}
.process-step{padding:34px 28px 30px;border-right:1px solid var(--line);min-height:330px;transition:background .4s,transform .4s}
.process-step:last-child{border-right:0}
.process-step:hover{background:var(--green-pale);transform:translateY(-5px)}
.process-step>span{font:800 11px var(--font-display);color:var(--green)}
.process-step i{display:block;font-style:normal;font-size:34px;margin:65px 0 25px;color:var(--green)}
.process-step h3{font:700 24px var(--font-display);letter-spacing:-.035em}
.process-step p{color:var(--muted);font-size:14px;margin-top:8px}
/* terms */
.term-stack{border-top:1px solid var(--line)}
.term-stack>div{display:grid;grid-template-columns:90px 1fr auto;align-items:center;padding:20px 0;border-bottom:1px solid var(--line);gap:16px}
.term-stack strong{font:800 48px/.9 var(--font-display);letter-spacing:-.06em}
.term-stack span{font-weight:700;color:var(--muted)}
.term-stack b{font-size:11px;color:var(--green);letter-spacing:.08em;text-transform:uppercase}
/* requirements */
.requirement-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}
.requirement-list{border-top:1px solid var(--line)}
.requirement-list>div{display:grid;grid-template-columns:55px 1fr;gap:20px;padding:25px 0;border-bottom:1px solid var(--line)}
.requirement-list b{font:800 12px var(--font-display);color:var(--green)}
.requirement-list strong{display:block;font:700 20px var(--font-display)}
.requirement-list small{display:block;color:var(--muted);margin-top:4px;font-size:14px}
.notice-panel{display:grid;grid-template-columns:80px 1fr;gap:30px;align-items:start;padding:70px;border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);background:rgba(255,255,255,.035)}
.notice-panel>span{display:grid;place-items:center;width:60px;height:60px;border-radius:18px;background:#9DCEB8;color:var(--green-deep);font:800 22px var(--font-display)}
.notice-panel h2{font:700 clamp(34px,4vw,54px)/1.05 var(--font-display);letter-spacing:-.05em}
.notice-panel p{color:#b9d2c7;margin-top:15px}
/* calculator */
.calculator-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:25px;align-items:stretch}
.calculator-card{border:1px solid var(--line);border-radius:var(--radius-lg);padding:45px;background:white;box-shadow:var(--shadow)}
.calc-header h2{font:700 48px/1 var(--font-display);letter-spacing:-.06em;margin:8px 0 35px}
.field-label{display:block;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin:22px 0 9px}
.money-input{display:flex;align-items:center;border:1px solid var(--line);border-radius:16px;padding:0 18px;background:#fbfdfc;transition:border .3s,box-shadow .3s}
.money-input:focus-within{border-color:var(--green);box-shadow:0 0 0 4px rgba(15,107,69,.08)}
.money-input span{font:700 23px var(--font-display);color:var(--green)}
.money-input input{width:100%;border:0;outline:0;background:transparent;padding:18px 10px;font:700 25px var(--font-display);color:var(--ink)}
.term-buttons{display:grid;grid-template-columns:repeat(4,1fr);gap:9px}
.term-buttons button{border:1px solid var(--line);background:#fff;border-radius:13px;padding:13px 7px;font-weight:700;font-size:12px;cursor:pointer;transition:.3s}
.term-buttons button:hover,.term-buttons button.selected{background:var(--green);color:white;border-color:var(--green);transform:translateY(-2px)}
.rate-row{display:flex;justify-content:space-between;align-items:center;margin-top:25px;padding-top:20px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.rate-row strong{color:var(--green);font-family:var(--font-display)}
.calc-disclaimer{font-size:11px;color:#87958f;margin-top:22px;line-height:1.6}
.calc-result{background:var(--green-deep);color:white;border-radius:var(--radius-lg);padding:50px;position:relative;overflow:hidden;display:flex;flex-direction:column}
.calc-result:after{content:"";position:absolute;width:430px;height:430px;right:-220px;bottom:-220px;border-radius:50%;border:1px solid rgba(157,206,184,.13);box-shadow:0 0 0 60px rgba(157,206,184,.035),0 0 0 120px rgba(157,206,184,.025)}
.calc-result .section-kicker{color:#9DCEB8}
.result-amount{font:800 clamp(48px,5vw,74px)/1 var(--font-display);letter-spacing:-.07em;margin-top:45px;position:relative;z-index:1}
.result-label{color:#a9c6ba;font-size:13px;position:relative;z-index:1}
.result-total{display:flex;justify-content:space-between;align-items:end;gap:20px;border-top:1px solid rgba(255,255,255,.13);border-bottom:1px solid rgba(255,255,255,.13);padding:23px 0;margin:32px 0;position:relative;z-index:1}
.result-total span{font-size:12px;color:#a9c6ba}.result-total strong{font:700 22px var(--font-display)}
.result-meta{display:flex;gap:35px;font-size:12px;color:#9fbbb0;position:relative;z-index:1}
.result-meta b{display:block;color:white;margin-top:3px;font-size:15px}
.calc-result .btn{margin-top:30px;position:relative;z-index:1}
.calc-result>p{font-size:11px;color:#86a99b;margin-top:18px;position:relative;z-index:1}
/* faq */
.faq-wrap{display:grid;grid-template-columns:.7fr 1.3fr;gap:100px}
.faq-list{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-question{width:100%;border:0;background:none;text-align:left;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:25px 0;cursor:pointer;color:var(--ink)}
.faq-question span{display:flex;align-items:center;gap:18px;font:700 18px var(--font-display);letter-spacing:-.025em}
.faq-question small{color:var(--green);font:800 10px var(--font-display)}
.faq-question i{display:grid;place-items:center;width:34px;height:34px;border:1px solid var(--line);border-radius:50%;font-style:normal;color:var(--green);transition:transform .4s,background .4s}
.faq-item.open .faq-question i{transform:rotate(45deg);background:var(--green);color:white}
.faq-answer{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s var(--ease)}
.faq-answer p{overflow:hidden;color:var(--muted);font-size:14px;line-height:1.8;padding:0 52px 0 35px}
.faq-item.open .faq-answer{grid-template-rows:1fr}.faq-item.open .faq-answer p{padding-bottom:25px}
/* contact */
.contact-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px}
.contact-info h2{font:700 clamp(40px,5vw,65px)/1 var(--font-display);letter-spacing:-.06em}
.contact-info>p{color:var(--muted);max-width:500px;margin-top:20px}
.contact-cards{margin-top:50px;border-top:1px solid var(--line)}
.contact-cards>div{padding:22px 0;border-bottom:1px solid var(--line)}
.contact-cards span,.contact-cards small{display:block;color:var(--muted);font-size:11px}
.contact-cards strong{display:block;font:700 19px var(--font-display);margin:4px 0}
.form-card{background:white;border:1px solid var(--line);border-radius:var(--radius-lg);padding:42px;box-shadow:var(--shadow)}
.form-card h2{font:700 38px var(--font-display);letter-spacing:-.05em;margin:6px 0 30px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-grid label{display:block;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.form-grid label.full{grid-column:1/-1}
.form-grid input,.form-grid select,.form-grid textarea{display:block;width:100%;border:1px solid var(--line);border-radius:13px;background:#fbfdfc;outline:0;padding:14px;margin-top:8px;color:var(--ink);font-size:14px;transition:border .3s,box-shadow .3s}
.form-grid textarea{resize:vertical}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{border-color:var(--green);box-shadow:0 0 0 4px rgba(15,107,69,.07)}
.form-card>.btn{margin-top:24px}
.consent{display:flex!important;gap:10px;align-items:flex-start;text-transform:none!important;letter-spacing:0!important;font-weight:500!important;color:var(--muted)}
.consent input{width:17px!important;height:17px!important;margin:1px 0 0!important;accent-color:var(--green)}
/* forms */
.form-page{min-height:100svh;padding:150px 0 90px;position:relative;overflow:hidden}
.form-page-grid{position:relative;display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:start}
.form-intro{padding-top:35px;position:sticky;top:120px}
.form-intro h1{font:700 clamp(48px,6vw,82px)/.98 var(--font-display);letter-spacing:-.065em;margin-top:20px}
.form-intro h1 em{color:#9DCEB8}
.form-intro p{color:#b8d0c5;max-width:500px;margin-top:25px;font-size:17px}
.mini-steps{display:flex;gap:24px;margin-top:60px}
.mini-steps span{display:flex;align-items:center;gap:8px;color:#8eafa1;font-size:11px;text-transform:uppercase;letter-spacing:.08em}
.mini-steps b{display:grid;place-items:center;width:28px;height:28px;border:1px solid rgba(157,206,184,.3);border-radius:50%;color:#9DCEB8}
.light-card{box-shadow:0 35px 90px rgba(0,0,0,.18)}
/* reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .85s var(--ease),transform .85s var(--ease)}
.reveal.visible{opacity:1;transform:none}
.reveal-delay{transition-delay:.12s}.reveal-delay-2{transition-delay:.22s}.reveal-delay-3{transition-delay:.32s}
/* motion */
@keyframes floatCard{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes pulseRing{0%{transform:scale(.92);opacity:.25}70%{transform:scale(1.08);opacity:0}100%{transform:scale(1.08);opacity:0}}
@media(max-width:900px){
 .principle-grid,.process-grid{grid-template-columns:1fr 1fr}
 .calculator-layout,.contact-layout,.faq-wrap,.requirement-layout,.form-page-grid{grid-template-columns:1fr;gap:35px}
 .split-feature{grid-template-columns:70px 1fr;gap:25px}
 .term-stack>div{grid-template-columns:75px 1fr auto}
 .form-intro{position:static}
 .faq-wrap{gap:55px}
}
@media(max-width:640px){
 .page-hero{min-height:78svh}.page-hero h1{font-size:52px}.page-hero p{font-size:15px}
 .principle-grid,.process-grid{grid-template-columns:1fr}
 .principle{min-height:220px}.principle h3{margin-top:35px}
 .split-feature{grid-template-columns:1fr}.feature-number{font-size:48px}
 .quote-panel,.notice-panel{grid-template-columns:1fr;padding:35px;gap:15px}.quote-mark{font-size:75px}
 .tier-card{min-height:350px}
 .term-stack>div{grid-template-columns:65px 1fr}.term-stack b{display:none}
 .calculator-card,.calc-result,.form-card{padding:28px}
 .calc-header h2{font-size:38px}.term-buttons{grid-template-columns:1fr 1fr}
 .result-amount{font-size:52px}.result-total{align-items:start;flex-direction:column}
 .form-grid{grid-template-columns:1fr}.form-grid label.full{grid-column:auto}
 .mini-steps{gap:10px;flex-wrap:wrap;margin-top:35px}
}


/* =========================================================
   PHASE 2 — SIGNATURE MOTION + ATMOSPHERIC BACKGROUNDS
   ========================================================= */
html{scroll-behavior:smooth}
body{overflow-x:hidden}
body:before{
    content:"";
    position:fixed;
    inset:0;
    pointer-events:none;
    z-index:-5;
    background:
      radial-gradient(circle at 10% 15%,rgba(15,107,69,.055),transparent 27%),
      radial-gradient(circle at 88% 48%,rgba(44,145,103,.045),transparent 30%),
      linear-gradient(115deg,transparent 0 48%,rgba(15,107,69,.018) 50%,transparent 52%);
}
body:after{
    content:"";
    position:fixed;
    width:520px;height:520px;
    right:-300px;top:35%;
    border:1px solid rgba(15,107,69,.08);
    border-radius:50%;
    pointer-events:none;
    z-index:-4;
    box-shadow:0 0 0 90px rgba(15,107,69,.018),0 0 0 180px rgba(15,107,69,.012);
    animation:ambientDrift 16s ease-in-out infinite alternate;
}
@keyframes ambientDrift{
    from{transform:translate3d(0,-25px,0) rotate(0deg)}
    to{transform:translate3d(-35px,35px,0) rotate(18deg)}
}

/* premium loader */
.page-loader{
    background:var(--green-deep)!important;
}
.page-loader:after{
    content:"";
    position:absolute;
    width:160px;height:160px;
    border:1px solid rgba(157,206,184,.18);
    border-radius:50%;
    animation:pulseRing 1.8s ease-out infinite;
}
.page-loader .loader-logo{
    position:relative;
    z-index:2;
    animation:loaderBreath 1.5s ease-in-out infinite;
}
@keyframes loaderBreath{50%{transform:scale(1.035);opacity:.72}}

/* glass navigation */
.site-header{
    transition:background .5s ease,border-color .5s ease,box-shadow .5s ease,transform .5s var(--ease);
}
.site-header.scrolled{
    background:rgba(255,255,255,.82);
    backdrop-filter:blur(18px) saturate(150%);
    -webkit-backdrop-filter:blur(18px) saturate(150%);
    box-shadow:0 12px 40px rgba(5,47,32,.08);
    border-bottom-color:rgba(15,107,69,.08);
}

/* atmospheric dark sections */
.dark-section,.page-hero{
    position:relative;
    isolation:isolate;
    background:
      radial-gradient(circle at 82% 18%,rgba(80,191,137,.12),transparent 24%),
      radial-gradient(circle at 18% 90%,rgba(255,255,255,.055),transparent 26%),
      linear-gradient(135deg,#063b28 0%,#082f22 46%,#04251a 100%);
}
.dark-section:before,.page-hero:before{
    content:"";
    position:absolute;
    inset:0;
    z-index:-1;
    opacity:.42;
    background-image:
      linear-gradient(rgba(157,206,184,.055) 1px,transparent 1px),
      linear-gradient(90deg,rgba(157,206,184,.055) 1px,transparent 1px);
    background-size:72px 72px;
    mask-image:linear-gradient(to bottom,black,transparent 85%);
    -webkit-mask-image:linear-gradient(to bottom,black,transparent 85%);
}
.dark-section:after,.page-hero:after{
    content:"";
    position:absolute;
    width:480px;height:480px;
    right:-230px;top:-210px;
    border:1px solid rgba(157,206,184,.11);
    border-radius:50%;
    box-shadow:
      0 0 0 70px rgba(157,206,184,.025),
      0 0 0 140px rgba(157,206,184,.018);
    z-index:-1;
    animation:orbFloat 12s ease-in-out infinite alternate;
}
@keyframes orbFloat{
    from{transform:translate(0,0) rotate(-3deg)}
    to{transform:translate(-30px,35px) rotate(7deg)}
}

/* hero glow */
.page-hero .hero-orb-one{
    width:580px;height:580px;
    right:-170px;top:-70px;
    background:radial-gradient(circle,rgba(70,190,132,.19),rgba(15,107,69,.04) 42%,transparent 70%);
    animation:heroGlow 7s ease-in-out infinite alternate;
}
@keyframes heroGlow{
    from{transform:scale(.92) translate(0,0);opacity:.65}
    to{transform:scale(1.08) translate(-25px,25px);opacity:1}
}

/* floating decorative dots */
.page-hero-inner:after{
    content:"";
    position:absolute;
    width:7px;height:7px;
    border-radius:50%;
    background:#9dceb8;
    box-shadow:
      130px 90px 0 rgba(157,206,184,.35),
      260px -25px 0 rgba(157,206,184,.2),
      420px 145px 0 rgba(157,206,184,.28);
    opacity:.8;
    animation:particleDrift 8s ease-in-out infinite alternate;
}
@keyframes particleDrift{
    from{transform:translateY(0)}
    to{transform:translateY(22px)}
}

/* stronger reveal */
.reveal{
    opacity:0;
    transform:translate3d(0,38px,0) scale(.985);
    filter:blur(2px);
    transition:
      opacity .9s var(--ease),
      transform .9s var(--ease),
      filter .9s var(--ease);
}
.reveal.visible{
    opacity:1;
    transform:none;
    filter:blur(0);
}
.reveal-delay{transition-delay:.12s}
.reveal-delay-2{transition-delay:.22s}
.reveal-delay-3{transition-delay:.34s}

/* premium cards */
.principle,.tier-card,.calculator-card,.form-card{
    will-change:transform;
}
.principle:after,.tier-card:after,.calculator-card:after,.form-card:after{
    content:"";
    position:absolute;
    inset:0;
    border-radius:inherit;
    pointer-events:none;
    background:linear-gradient(120deg,transparent 25%,rgba(255,255,255,.65) 50%,transparent 75%);
    transform:translateX(-120%);
    transition:transform .9s var(--ease);
    opacity:.45;
}
.principle:hover:after,.tier-card:hover:after,.calculator-card:hover:after,.form-card:hover:after{
    transform:translateX(120%);
}
.principle,.tier-card{overflow:hidden}

/* card lift with subtle scale */
.principle:hover{
    transform:translateY(-10px) scale(1.012);
}
.tier-card:hover{
    transform:translateY(-12px) scale(1.012);
}

/* premium buttons */
.btn{
    position:relative;
    overflow:hidden;
    isolation:isolate;
    transition:transform .45s var(--ease),box-shadow .45s var(--ease),background .35s;
}
.btn:before{
    content:"";
    position:absolute;
    top:0;bottom:0;
    left:-120%;
    width:75%;
    background:linear-gradient(105deg,transparent,rgba(255,255,255,.22),transparent);
    transform:skewX(-18deg);
    transition:left .8s var(--ease);
    z-index:-1;
}
.btn:hover:before{left:135%}
.btn:active{transform:translateY(-1px) scale(.985)}

/* section separators */
.section:not(.dark-section):after{
    content:"";
    position:absolute;
    left:50%;
    bottom:0;
    width:min(90%,900px);
    height:1px;
    transform:translateX(-50%);
    background:linear-gradient(90deg,transparent,rgba(15,107,69,.10),transparent);
}
.section{position:relative}

/* number typography */
.feature-number{
    transition:color .5s ease,transform .7s var(--ease);
}
.split-feature:hover .feature-number{
    color:#c7ddd3;
    transform:translateX(8px);
}

/* interactive term rows */
.term-stack>div{
    position:relative;
    transition:padding-left .45s var(--ease),background .35s;
}
.term-stack>div:before{
    content:"";
    position:absolute;
    left:-1px;top:0;bottom:0;
    width:3px;
    background:var(--green);
    transform:scaleY(0);
    transform-origin:center;
    transition:transform .4s var(--ease);
}
.term-stack>div:hover{
    padding-left:16px;
    background:linear-gradient(90deg,rgba(15,107,69,.035),transparent);
}
.term-stack>div:hover:before{transform:scaleY(1)}

/* process connector */
.process-grid{position:relative}
.process-grid:before{
    content:"";
    position:absolute;
    top:48px;
    left:9%;
    right:9%;
    height:1px;
    background:linear-gradient(90deg,transparent,rgba(15,107,69,.18),transparent);
    pointer-events:none;
}
.process-step{position:relative;z-index:1;background:rgba(255,255,255,.82)}
.process-step i{
    transition:transform .5s var(--ease),text-shadow .5s;
}
.process-step:hover i{
    transform:translateY(-5px) scale(1.08);
    text-shadow:0 10px 30px rgba(15,107,69,.18);
}

/* calculator result depth */
.calc-result{
    box-shadow:0 30px 80px rgba(3,39,27,.22);
}
.calc-result:before{
    content:"";
    position:absolute;
    width:300px;height:300px;
    left:-190px;top:-150px;
    border-radius:50%;
    border:1px solid rgba(157,206,184,.12);
    box-shadow:0 0 0 55px rgba(157,206,184,.025),0 0 0 110px rgba(157,206,184,.018);
    animation:orbFloat 10s ease-in-out infinite alternate-reverse;
}

/* FAQ polish */
.faq-item{
    transition:background .35s,padding .35s;
}
.faq-item.open{
    background:linear-gradient(90deg,rgba(15,107,69,.035),transparent);
    padding-left:14px;
}
.faq-question i{
    transition:transform .45s var(--ease),background .35s,color .35s,box-shadow .35s;
}
.faq-item.open .faq-question i{
    box-shadow:0 8px 25px rgba(15,107,69,.18);
}

/* forms */
.form-grid input,.form-grid select,.form-grid textarea,.money-input{
    transition:border-color .35s,box-shadow .35s,transform .35s;
}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{
    transform:translateY(-1px);
}
.money-input:focus-within{
    transform:translateY(-2px);
    box-shadow:0 12px 35px rgba(15,107,69,.09),0 0 0 4px rgba(15,107,69,.07);
}

/* accessibility */
@media (prefers-reduced-motion:reduce){
    *,*:before,*:after{
        animation-duration:.01ms!important;
        animation-iteration-count:1!important;
        scroll-behavior:auto!important;
        transition-duration:.01ms!important;
    }
}


/* FIX: spacious loan-term layout */
@media (max-width: 1100px) {
    .split-feature {
        grid-template-columns: minmax(320px, .8fr) minmax(0, 1.2fr);
        gap: 48px;
    }
}
@media (max-width: 780px) {
    .split-feature {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    .split-feature .section-heading h2 {
        max-width: 620px;
    }
    .term-stack {
        width: 100%;
    }
    .term-stack > div {
        grid-template-columns: 78px 1fr auto;
    }
}
@media (max-width: 520px) {
    .term-stack > div {
        grid-template-columns: 64px 1fr;
        gap: 10px;
    }
    .term-stack b {
        grid-column: 2;
        margin-top: -5px;
    }
}