:root{--navy:#120851;--navy-2:#1c1760;--green:#76ad0f;--green-bright:#88c417;--ink:#323232;--muted:#656565;--line:#e7e7e7;--soft:#f5f6f8;--white:#fff;--danger:#8c2d22;--shadow:0 16px 42px rgba(17,8,75,.12)}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:92px}
body{margin:0;background:#fff;color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;font-size:16px;line-height:1.65}
button,input,textarea{font:inherit}
button,a{touch-action:manipulation}
button{cursor:pointer}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{line-height:1.16}
:focus-visible{outline:3px solid #f0b400;outline-offset:3px}
.container{width:min(1140px,calc(100% - 40px));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:fixed;left:16px;top:-80px;z-index:1000;background:#fff;color:var(--navy);padding:12px 18px;font-weight:700;transition:top .2s}
.skip-link:focus{top:16px}
.topbar{background:var(--navy);color:#fff;font-size:12px}
.topbar-inner{min-height:40px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.topbar-list{display:flex;gap:28px;align-items:center}.topbar b{color:#dcefb9;font-weight:700}.hours{color:#d2d0e4}
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid rgba(18,8,81,.08);box-shadow:0 3px 15px rgba(18,8,81,.04)}
.nav-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo{display:inline-flex;align-items:center;gap:11px;color:var(--navy);font-size:23px;font-weight:800;letter-spacing:-.8px}.logo>span:last-child>span{color:var(--green)}
.logo-mark{display:grid;place-items:center;width:42px;height:42px;background:var(--green-bright);color:#102400!important;font-size:13px;letter-spacing:.5px;clip-path:polygon(0 0,82% 0,100% 50%,82% 100%,0 100%,12% 50%)}
.nav{display:flex;align-items:center;gap:24px}.nav a,.nav-link{border:0;background:none;padding:28px 0;color:#303030;font-size:14px;font-weight:700;position:relative}
.nav a:not(.nav-cta):after,.nav-link:after{content:"";position:absolute;left:0;bottom:20px;width:0;height:2px;background:var(--green);transition:width .2s}.nav a:hover:after,.nav-link:hover:after{width:100%}
.nav .nav-cta{padding:13px 22px;color:#173000;background:var(--green-bright)}.nav .nav-cta:after{display:none}.nav .nav-cta:hover{background:#9bd52f}
.menu-toggle{display:none;border:0;background:transparent;width:48px;height:48px}.menu-lines,.menu-lines:before,.menu-lines:after{display:block;width:25px;height:2px;background:var(--navy);position:relative}.menu-lines:before,.menu-lines:after{content:"";position:absolute;left:0}.menu-lines:before{top:-8px}.menu-lines:after{top:8px}
.hero{position:relative;min-height:690px;background:url('/images/hero-bg.jpg') center/cover no-repeat;color:#fff;overflow:hidden}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,8,81,.96) 0%,rgba(18,8,81,.88) 39%,rgba(18,8,81,.35) 72%,rgba(18,8,81,.2) 100%)}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1fr) 500px;gap:70px;align-items:center;padding-block:84px}
.hero-copy{max-width:570px}.eyebrow{display:inline-block;margin-bottom:15px;color:var(--green);font-size:12px;font-weight:800;letter-spacing:2.1px;text-transform:uppercase}.eyebrow.light{color:#b9e469}
.hero h1{margin-bottom:21px;font-size:clamp(44px,5.1vw,70px);letter-spacing:-2.6px;max-width:650px}.hero-copy>p{font-size:18px;color:#efedf7;max-width:610px}.hero-actions{display:flex;gap:12px;margin:31px 0 20px}.button{display:inline-flex;min-height:48px;align-items:center;justify-content:center;border:0;padding:13px 24px;text-transform:uppercase;letter-spacing:.6px;font-size:12px;font-weight:800;transition:background .2s,transform .2s}.button:hover{transform:translateY(-2px)}.primary{background:var(--green-bright);color:#173000}.primary:hover{background:#9bd52f}.outline{color:#fff;border:1px solid rgba(255,255,255,.75);background:transparent}.outline:hover{background:#fff;color:var(--navy)}.full{width:100%}
.hero .hero-note{font-size:12px;color:#d1cee5;max-width:520px}
.loan-card{background:#fff;color:var(--ink);padding:36px 38px;box-shadow:0 24px 60px rgba(0,0,0,.24);border-top:5px solid var(--green-bright)}
.card-heading span{color:var(--green);font-size:12px;text-transform:uppercase;font-weight:800;letter-spacing:1.5px}.card-heading h2{font-size:28px;margin:5px 0 25px;color:var(--navy)}
.loan-card label{display:flex;justify-content:space-between;align-items:flex-end;gap:15px;margin:17px 0 6px;font-size:13px;font-weight:700}.loan-card label strong{color:var(--navy);font-size:18px}.loan-card input[type=range]{width:100%;accent-color:var(--green);cursor:pointer}.range-labels{display:flex;justify-content:space-between;color:#777;font-size:11px}.estimate-summary{display:grid;grid-template-columns:1fr 1fr;margin:23px 0;background:#f5f6f7;border-left:3px solid var(--green);padding:14px 16px;gap:15px}.estimate-summary div{display:flex;flex-direction:column}.estimate-summary span{font-size:10px;color:#777;text-transform:uppercase;letter-spacing:.5px}.estimate-summary strong{color:var(--navy);font-size:17px}.disclosure{margin:15px 0 0;color:#696969;font-size:11px;line-height:1.5}
.section{padding:100px 0}.section-tight{padding:88px 0}.split{display:grid;grid-template-columns:1fr 480px;gap:80px;align-items:center}.section-copy h2,.section-title h2,.faq-intro h2,.contact-info h2{font-size:clamp(34px,4vw,48px);letter-spacing:-1.5px;color:var(--navy);margin-bottom:20px}.lead{font-size:18px;color:#555}.about-points{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin:34px 0}.about-points>div{display:flex;gap:15px}.about-points>div>span{color:var(--green);font-size:13px;font-weight:800;padding-top:3px}.about-points h3{font-size:18px;margin-bottom:8px}.about-points p{font-size:14px;color:var(--muted);margin:0}.text-link{display:inline-flex;gap:10px;color:var(--navy);font-weight:800;border-bottom:2px solid var(--green);padding-bottom:3px}.about-image-wrap{position:relative}.about-image-wrap img{width:100%;height:500px;object-fit:cover}.image-badge{position:absolute;bottom:-24px;left:-24px;background:var(--green-bright);color:#173000;padding:21px 27px;display:flex;flex-direction:column}.image-badge strong{font-size:20px}.image-badge span{font-size:12px;text-transform:uppercase;letter-spacing:1px}
.loan-details{background:var(--soft)}.section-title.centered{text-align:center}.section-title.centered>p{color:var(--muted);max-width:620px;margin-inline:auto}.narrow{max-width:760px;margin:0 auto 48px}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:48px}.stat{background:#fff;padding:37px 35px;border-right:1px solid var(--line);box-shadow:0 10px 30px rgba(18,8,81,.04)}.stat.featured{background:var(--navy);color:#fff;transform:translateY(-12px)}.stat>span{display:block;color:var(--green);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.2px}.stat strong{display:block;font-size:38px;color:var(--navy);margin:8px 0}.stat.featured strong{color:#fff}.stat p{margin:0;color:#6c6c6c;font-size:14px}.stat.featured p{color:#d7d3e9}
.how{background:#fff}.steps{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}.step{position:relative;padding:42px 38px 20px;border-right:1px solid var(--line)}.step:last-child{border:0}.step-number{position:absolute;top:-17px;left:38px;background:var(--green-bright);color:#173000;padding:4px 12px;font-size:12px;font-weight:800}.step h3{color:var(--navy);font-size:23px}.step p{color:var(--muted)}
.benefits{background:linear-gradient(rgba(18,8,81,.92),rgba(18,8,81,.92)),url('/images/call-bg.jpg') center/cover;color:#fff;padding:92px 0}.benefits-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.benefits h2{font-size:46px;letter-spacing:-1.5px;margin-bottom:20px}.benefits-copy p{color:#d9d6e8;margin-bottom:28px}.benefit-list{display:grid;gap:1px;background:rgba(255,255,255,.15)}.benefit-list>div{display:flex;gap:22px;background:rgba(18,8,81,.6);padding:23px}.benefit-list>div>span{display:grid;place-items:center;flex:0 0 44px;height:44px;background:var(--green-bright);color:#173000;font-weight:900}.benefit-list h3{margin:0 0 5px;font-size:18px}.benefit-list p{margin:0;color:#d3d0e1;font-size:13px}
.faq{background:var(--soft)}.faq-grid{display:grid;grid-template-columns:360px 1fr;gap:95px}.faq-intro p{color:var(--muted)}.accordion{border-top:2px solid var(--navy)}.faq-item{border-bottom:1px solid #dcdde1}.faq-item button{width:100%;min-height:68px;border:0;background:transparent;display:flex;justify-content:space-between;align-items:center;text-align:left;padding:18px 5px;color:var(--navy);font-weight:800}.faq-symbol{font-size:25px;color:var(--green);padding-left:20px}.faq-answer{padding:0 40px 18px 5px}.faq-answer p{margin:0;color:#606060}
.legal-band{background:var(--navy);color:#fff;padding:70px 0}.legal-band-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:20px;align-items:stretch}.legal-band h2{font-size:34px;margin:0;max-width:400px}.legal-card{border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.05);color:#fff;padding:26px;text-align:left;display:flex;flex-direction:column;transition:background .2s,transform .2s}.legal-card:hover{background:rgba(255,255,255,.12);transform:translateY(-3px)}.legal-card>span{color:var(--green-bright);font-weight:800}.legal-card strong{font-size:20px;margin:13px 0 5px}.legal-card small{color:#cfccdf}
.contact-grid{display:grid;grid-template-columns:380px 1fr;gap:80px}.contact-info>p{color:var(--muted)}.contact-info dl{margin:35px 0}.contact-info dl div{border-top:1px solid var(--line);padding:14px 0}.contact-info dt{font-size:11px;color:var(--green);text-transform:uppercase;font-weight:800;letter-spacing:1px}.contact-info dd{margin:3px 0 0;font-weight:700;color:var(--navy)}.placeholder-note{font-size:12px;border-left:3px solid #b2493d;padding-left:13px;color:#6f302a!important}.contact-form{background:var(--soft);padding:40px}.contact-form h3{color:var(--navy);font-size:28px;margin-bottom:8px}.contact-form>p{font-size:13px;color:var(--muted)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.contact-form label{display:block;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:16px}.contact-form input,.contact-form textarea{display:block;width:100%;margin-top:6px;border:1px solid #d4d4d4;background:#fff;min-height:48px;padding:12px;color:#222}.contact-form textarea{resize:vertical}.contact-form input:focus,.contact-form textarea:focus{border-color:var(--green)}.form-status{margin:15px 0 0!important;color:#356400!important;font-weight:700}
footer{background:#0c073b;color:#d4d1e1;padding:68px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:60px}.footer-logo{color:#fff;margin-bottom:15px}.footer-grid h3{font-size:14px;color:#fff;text-transform:uppercase;letter-spacing:1px;margin:10px 0 16px}.footer-grid a,.footer-grid button{display:block;border:0;background:none;padding:4px 0;color:#d4d1e1;text-align:left}.footer-grid a:hover,.footer-grid button:hover{color:var(--green-bright)}.footer-grid p{font-size:13px}.footer-bottom{display:flex;justify-content:space-between;gap:30px;border-top:1px solid rgba(255,255,255,.1);margin-top:45px;padding-top:20px}.footer-bottom p{font-size:11px;margin:0;color:#aaa6c0}
.modal-backdrop{position:fixed;inset:0;z-index:200;background:rgba(5,2,30,.78);display:grid;place-items:center;padding:24px}.legal-modal{background:#fff;width:min(900px,100%);max-height:90dvh;display:flex;flex-direction:column;box-shadow:0 30px 90px rgba(0,0,0,.35)}.legal-header{display:flex;align-items:center;justify-content:space-between;padding:28px 34px;border-bottom:1px solid var(--line)}.legal-header .eyebrow{margin-bottom:5px}.legal-header h2{margin:0;color:var(--navy);font-size:30px}.modal-close{display:grid;place-items:center;flex:0 0 48px;height:48px;border:0;background:var(--navy);color:#fff;font-size:30px;line-height:1}.legal-body{overflow-y:auto;padding:30px 40px}.legal-warning{background:#f6f3e7;border-left:4px solid #9b7615;padding:16px;margin-bottom:28px;color:#5c4917}.legal-body section{padding:14px 0;border-bottom:1px solid var(--line)}.legal-body h3{color:var(--navy);font-size:19px}.legal-body p{color:#5e5e5e;margin-bottom:5px}
@media(max-width:1000px){.topbar-list span:first-child,.hours{display:none}.topbar-inner{justify-content:center}.hero-grid{grid-template-columns:1fr 440px;gap:35px}.split{grid-template-columns:1fr 410px;gap:45px}.faq-grid{grid-template-columns:300px 1fr;gap:50px}.contact-grid{grid-template-columns:320px 1fr;gap:50px}.nav{gap:14px}.nav a,.nav-link{font-size:12px}.nav .nav-cta{padding:12px 15px}}
@media(max-width:820px){html{scroll-padding-top:72px}.topbar{display:none}.nav-wrap{min-height:72px}.menu-toggle{display:grid;place-items:center}.nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px 20px 24px;box-shadow:0 18px 30px rgba(18,8,81,.16)}.nav.open{display:flex}.nav a,.nav-link{padding:13px 10px;text-align:left;font-size:14px}.nav a:after,.nav-link:after{display:none}.nav .nav-cta{text-align:center;margin-top:8px}.hero{min-height:auto}.hero-overlay{background:linear-gradient(90deg,rgba(18,8,81,.96),rgba(18,8,81,.68))}.hero-grid{grid-template-columns:1fr;padding-block:64px;gap:38px}.hero-copy{max-width:650px}.loan-card{max-width:620px;width:100%}.split,.benefits-grid,.faq-grid,.contact-grid{grid-template-columns:1fr}.split{gap:55px}.about-image-wrap{max-width:560px}.stat-grid,.steps{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.stat.featured{transform:none}.step{border-right:0;border-bottom:1px solid var(--line);padding-bottom:34px}.benefits-grid{gap:45px}.faq-grid{gap:40px}.legal-band-grid{grid-template-columns:1fr 1fr}.legal-band-grid>div{grid-column:1/-1}.contact-grid{gap:45px}.footer-grid{grid-template-columns:2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.section{padding:78px 0}}
@media(max-width:560px){.container{width:min(100% - 28px,1140px)}.logo{font-size:20px}.logo-mark{width:38px;height:38px}.hero-grid{padding-block:48px}.hero h1{font-size:42px;letter-spacing:-1.8px}.hero-copy>p{font-size:16px}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .button{text-align:center}.loan-card{padding:28px 22px}.estimate-summary{grid-template-columns:1fr}.section,.section-tight{padding:66px 0}.section-copy h2,.section-title h2,.faq-intro h2,.contact-info h2{font-size:34px}.about-points{grid-template-columns:1fr}.about-image-wrap img{height:360px}.image-badge{left:12px;bottom:-24px}.stat-grid{margin-top:34px}.benefits{padding:66px 0}.benefits h2{font-size:36px}.legal-band-grid{grid-template-columns:1fr}.legal-band-grid>div{grid-column:auto}.form-row{grid-template-columns:1fr}.contact-form{padding:28px 20px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column}.modal-backdrop{padding:10px}.legal-header{padding:20px}.legal-header h2{font-size:23px}.legal-body{padding:22px 20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* CrediPinas brand mark and relocated trust note */
.logo-mark{position:relative;display:grid;place-items:center;width:46px;height:46px;background:var(--navy);border:4px solid var(--green-bright);border-radius:50% 50% 50% 12px;transform:rotate(-8deg);box-shadow:inset 0 0 0 2px #fff;clip-path:none;color:#fff!important}
.peso-symbol{display:block;color:#fff!important;font-size:25px;font-weight:900;line-height:1;transform:rotate(8deg);letter-spacing:-2px}
.logo-spark{position:absolute;right:-6px;top:-6px;width:14px;height:14px;background:var(--green-bright);border:3px solid #fff;border-radius:50%}
.clarity-note{display:flex;gap:14px;align-items:flex-start;margin:28px 0 24px;padding:18px 20px;background:#f4f8ec;border-left:4px solid var(--green)}
.clarity-note>span{display:grid;place-items:center;flex:0 0 30px;height:30px;border-radius:50%;background:var(--green-bright);color:#173000;font-weight:900}
.clarity-note strong{display:block;color:var(--navy);font-size:16px}
.clarity-note p{margin:3px 0 0;color:var(--muted);font-size:13px}
@media(max-width:560px){.logo-mark{width:40px;height:40px}.peso-symbol{font-size:22px}}

/* Static package asset paths */
.hero{background-image:url('images/hero-bg.jpg')}
.benefits{background-image:linear-gradient(rgba(18,8,81,.92),rgba(18,8,81,.92)),url('images/call-bg.jpg')}
[hidden]{display:none!important}