/* =====================================================================
   Top Finance Solution — Preview stylesheet
   Scoped with tfs- prefix. Maps to Elementor Global Colours/Fonts.
   ===================================================================== */

/* ---- Design tokens (→ Elementor Global Colours / Fonts) ---- */
:root {
  /* ---- CreditXpress blue / Plus Jakarta system (re-skin) ---- */
  --tfs-navy: #11161F;        /* Headings / dark navy */
  --tfs-navy-deep: #0B0E14;   /* Deep navy (footer, gradient base) */
  --tfs-gold: #418DFA;        /* Accent BLUE — alias kept so all var(--tfs-gold) refs flip */
  --tfs-gold-hover: #2F6FD6;  /* Accent hover */
  --tfs-blue: #418DFA;        /* Accent (calculator) */
  --tfs-blue-dark: #2F6FD6;
  --tfs-offwhite: #F2F5FB;    /* Panel grey (alt sections) */
  --tfs-white: #FFFFFF;       /* Cards */
  --tfs-base: #FAFCFF;        /* Page base background */
  --tfs-text: #5A6472;        /* Body text     */
  --tfs-muted: #7A8494;       /* Muted text    */
  --tfs-success: #2E7D57;     /* Restrained green */
  --tfs-error: #B4402E;       /* Restrained red   */
  --tfs-deep1: #002B96;       /* Stats gradient start */
  --tfs-deep2: #00208C;       /* Stats gradient end   */

  --tfs-border: #E4E9F2;
  --tfs-shadow: 0 6px 24px rgba(17, 22, 31, .08);
  --tfs-shadow-sm: 0 2px 10px rgba(17, 22, 31, .06);

  --tfs-radius: 14px;
  --tfs-radius-sm: 10px;
  --tfs-maxw: 1200px;
  --tfs-maxw-narrow: 820px;

  --tfs-font: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --tfs-font-head: "Plus Jakarta Sans", "Inter", system-ui, sans-serif;

  /* 8px spacing rhythm */
  --tfs-s2: 16px; --tfs-s3: 24px; --tfs-s4: 32px; --tfs-s6: 48px; --tfs-s8: 64px;
  --tfs-sec-pad: 96px;   /* desktop section spacing */
  --tfs-header-h: 76px;
  --tfs-card-pad: 32px;  /* card inner padding (tracked by full-bleed banners) */
}

/* ---- Reset-ish ---- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--tfs-header-h) + 16px); }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--tfs-font);
  color: var(--tfs-text);
  background: var(--tfs-base);
  font-size: 18px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--tfs-navy); text-decoration: none; }
h1, h2, h3, h4 { color: var(--tfs-navy); font-family: var(--tfs-font-head); line-height: 1.15; margin: 0 0 .5em; font-weight: 800; letter-spacing: -0.02em; }
h1 { font-size: clamp(34px, 4.6vw, 69px); font-weight: 900; letter-spacing: -0.035em; line-height: 1.02; }
h2 { font-size: clamp(24px, 3.2vw, 30px); font-weight: 900; letter-spacing: -0.025em; }
h3 { font-size: clamp(19px, 1.6vw, 22px); }
h4 { font-size: 16px; text-transform: uppercase; letter-spacing: .06em; color: var(--tfs-muted); }
p { margin: 0 0 1rem; }
ul { margin: 0; padding: 0; list-style: none; }

/* ---- Language toggling ---- */
[data-lang="en"] .lang-bm { display: none; }
[data-lang="bm"] .lang-en { display: none; }

/* ---- Skip link ---- */
.tfs-skip-link {
  position: absolute; left: 8px; top: -100px; z-index: 200;
  background: var(--tfs-navy); color: #fff; padding: 10px 16px; border-radius: 8px;
  transition: top .15s ease;
}
.tfs-skip-link:focus { top: 8px; }

/* ---- Layout containers ---- */
.tfs-inner { width: 100%; max-width: var(--tfs-maxw); margin: 0 auto; padding: 0 24px; }
.tfs-inner-narrow { max-width: var(--tfs-maxw-narrow); }
.tfs-section { padding: var(--tfs-sec-pad) 0; }

.tfs-section-head { margin-bottom: var(--tfs-s6); }
.tfs-section-head-center { text-align: center; max-width: 720px; margin-left: auto; margin-right: auto; }
.tfs-section-head h2 { margin-bottom: 0; }

.tfs-eyebrow {
  text-transform: uppercase; letter-spacing: .14em; font-weight: 800;
  font-size: 13px; color: #2F6FD6; margin: 0 0 12px;
}

/* ---- Buttons ---- */
.tfs-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: inherit; font-weight: 700; font-size: 15px; cursor: pointer;
  padding: 12px 22px; border-radius: 10px; border: 1.5px solid transparent;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
  text-align: center; line-height: 1.2;
}
@media (prefers-reduced-motion: reduce) { .tfs-btn { transition: none; } }
.tfs-btn:focus-visible { outline: 3px solid var(--tfs-gold); outline-offset: 2px; }
.tfs-btn-lg { padding: 15px 28px; font-size: 16px; }
.tfs-btn-block { display: flex; width: 100%; }
.tfs-btn-primary { background: var(--tfs-gold); color: #fff; }
.tfs-btn-primary:hover { background: var(--tfs-gold-hover); }
.tfs-btn-ghost { background: transparent; color: var(--tfs-navy); border-color: var(--tfs-navy); }
.tfs-btn-ghost:hover { background: var(--tfs-navy); color: #fff; }
.tfs-btn-outline { background: transparent; color: var(--tfs-navy); border-color: var(--tfs-border); }
.tfs-btn-outline:hover { border-color: var(--tfs-gold); color: var(--tfs-gold-hover); }
.tfs-btn-whatsapp { background: #1f7a44; color: #fff; }
.tfs-btn-whatsapp:hover { background: #196537; }
.tfs-btn[aria-disabled="true"] { opacity: .55; cursor: not-allowed; }

/* ---- Floating WhatsApp CTA (bottom-left) ---- */
.tfs-wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 900;
  display: inline-flex; align-items: center; justify-content: center;
  width: 60px; height: 60px; border-radius: 50%;
  background: #25D366; color: #fff;
  box-shadow: 0 10px 26px rgba(37,211,102,.45), 0 4px 10px rgba(0,0,0,.18);
  transition: transform .2s ease, box-shadow .2s ease;
}
.tfs-wa-float:hover { transform: translateY(-3px) scale(1.05); box-shadow: 0 16px 34px rgba(37,211,102,.55), 0 6px 14px rgba(0,0,0,.22); }
.tfs-wa-float:focus-visible { outline: 3px solid #0B6E33; outline-offset: 3px; }
.tfs-wa-icon { position: relative; z-index: 1; display: block; }
.tfs-wa-pulse {
  position: absolute; inset: 0; border-radius: 50%;
  background: #25D366; z-index: 0; animation: tfs-wa-ping 2.2s cubic-bezier(0,0,.2,1) infinite;
}
@keyframes tfs-wa-ping {
  0%   { transform: scale(1);   opacity: .55; }
  70%  { transform: scale(1.8); opacity: 0; }
  100% { transform: scale(1.8); opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .tfs-wa-float { transition: none; }
  .tfs-wa-pulse { animation: none; display: none; }
}
@media (max-width: 640px) {
  .tfs-wa-float { right: 16px; bottom: 16px; width: 54px; height: 54px; }
}

.tfs-link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--tfs-navy); border-bottom: 2px solid var(--tfs-gold); padding-bottom: 2px; }
.tfs-link-arrow:hover { color: var(--tfs-gold-hover); }

/* ---- Cards & placeholders ---- */
.tfs-card {
  background: var(--tfs-white); border: 1px solid var(--tfs-border);
  border-radius: var(--tfs-radius); box-shadow: var(--tfs-shadow-sm);
  padding: var(--tfs-card-pad);
}
.tfs-icon-circle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; border-radius: 50%;
  background: rgba(65,141,250,.14); font-size: 24px; margin-bottom: 16px;
}
.tfs-img-placeholder {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 6px; text-align: center; color: var(--tfs-muted); font-size: 13px; font-weight: 600;
  background:
    linear-gradient(135deg, rgba(11,31,58,.04), rgba(65,141,250,.08)),
    var(--tfs-offwhite);
  border: 1px dashed var(--tfs-border); border-radius: var(--tfs-radius);
  aspect-ratio: 4 / 3; padding: 16px;
}
.tfs-ph-tag {
  font-size: 11px; letter-spacing: .1em; color: var(--tfs-gold);
  background: rgba(65,141,250,.16); padding: 3px 10px; border-radius: 999px;
}
/* Illustration images render as cover-fit rounded frames */
.tfs-hero-img, .tfs-about-img, .tfs-service-img {
  width: 100%; height: auto; object-fit: cover; border-radius: var(--tfs-radius);
}

/* =====================================================================
   SECTION 1 — Header / Hero / Proof
   ===================================================================== */
.tfs-hero-section {
  background:
    radial-gradient(800px 440px at 88% 28%, rgba(30,107,224,.14), transparent 62%),    /* blue glow, calculator side */
    radial-gradient(700px 400px at 6% 18%, rgba(65,141,250,.10), transparent 60%),      /* soft gold glow, text side */
    linear-gradient(180deg, #E9F1FE 0%, #F4F8FE 42%, #FFFFFF 100%);
  color: var(--tfs-text); padding: 0 0 var(--tfs-s8);
  position: relative;
}
.tfs-hero-section h1 { color: var(--tfs-navy); }

/* Hero trust badge */
.tfs-hero-badge {
  display: inline-flex; align-items: center; gap: 9px; margin: 0 0 22px;
  background: #DCE9FC; border: 1px solid #C6DAF8;
  padding: 8px 16px; border-radius: 999px; font-size: 13px; font-weight: 800; color: var(--tfs-blue-dark);
}
.tfs-badge-dot { width: 9px; height: 9px; border-radius: 50%; background: #16A34A; box-shadow: 0 0 0 4px rgba(22,163,74,.18); flex: none; }

/* Hero title accent */
.tfs-hero-title { margin-bottom: 16px; font-weight: 900; letter-spacing: -0.03em; font-size: clamp(42px, 5.8vw, 66px); line-height: 1.03; }
.tfs-title-accent { color: var(--tfs-blue); font-weight: 900; }
.tfs-hero-microline { font-size: 13px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--tfs-blue); margin: 0 0 12px; }
.tfs-hero-microline b { color: var(--tfs-border); margin: 0 4px; }
.tfs-hero-checks { display: flex; flex-wrap: wrap; gap: 8px 22px; list-style: none; padding: 0; margin: 0 0 26px; }
.tfs-hero-checks li { position: relative; padding-left: 24px; font-size: 14px; font-weight: 700; color: var(--tfs-navy); }
.tfs-hero-checks li::before { content: "✓"; position: absolute; left: 0; color: var(--tfs-success); font-weight: 800; }
.tfs-hero-availability { font-size: 13px; font-weight: 600; color: var(--tfs-muted); margin: 18px 0 0; }
.tfs-hero-disclaimer { font-size: 11.5px; font-style: italic; color: var(--tfs-muted); line-height: 1.5; max-width: 54ch; margin: 8px 0 0; }

/* Header */
.tfs-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.9); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--tfs-border);
  box-shadow: 0 1px 14px rgba(11,31,58,.06);
}
.tfs-header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: var(--tfs-header-h); }
.tfs-logo { display: inline-flex; align-items: center; gap: 10px; color: #fff; font-weight: 800; }
.tfs-logo-img {
  height: 54px; width: auto; display: block;
  background: #fff; padding: 9px 18px; border-radius: 14px;
  box-shadow: 0 8px 22px rgba(0,0,0,.24);
  transition: transform .18s ease, box-shadow .18s ease;
}
.tfs-logo:hover .tfs-logo-img { transform: translateY(-1px); box-shadow: 0 10px 26px rgba(0,0,0,.28); }
@media (prefers-reduced-motion: reduce) { .tfs-logo-img { transition: none; } }
/* Light header: show logo without the white chip */
.tfs-header .tfs-logo-img { background: none; box-shadow: none; padding: 0; }
.tfs-header .tfs-logo:hover .tfs-logo-img { box-shadow: none; }
.tfs-logo-footer .tfs-logo-img { height: 66px; padding: 11px 20px; }
.tfs-logo-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 9px;
  background: var(--tfs-gold); color: var(--tfs-navy-deep); font-weight: 800; font-size: 15px; letter-spacing: -.02em;
}
.tfs-logo-text { font-size: 18px; }
.tfs-logo-accent { color: var(--tfs-gold); }

.tfs-nav { display: flex; gap: 26px; margin-left: 48px; }
.tfs-nav a { color: var(--tfs-text); font-weight: 600; font-size: 15px; position: relative; padding: 6px 0; }
.tfs-nav a:hover { color: var(--tfs-gold-hover); }
.tfs-nav a::after { content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 2px; background: var(--tfs-gold); transition: width .18s ease; }
.tfs-nav a:hover::after { width: 100%; }

.tfs-header-actions { display: flex; align-items: center; gap: 16px; }
.tfs-lang-toggle { display: flex; align-items: center; gap: 6px; }
.tfs-lang-sep { color: var(--tfs-border); }
.tfs-lang-btn {
  background: none; border: none; color: var(--tfs-muted); font-family: inherit; font-weight: 700;
  font-size: 14px; cursor: pointer; padding: 4px 6px; border-radius: 6px;
}
.tfs-lang-btn.is-active { color: var(--tfs-gold-hover); }
.tfs-lang-btn:focus-visible { outline: 2px solid var(--tfs-gold); outline-offset: 2px; }

.tfs-menu-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.tfs-menu-bar { width: 24px; height: 2px; background: var(--tfs-navy); border-radius: 2px; transition: transform .2s ease, opacity .2s ease; }
.tfs-menu-toggle[aria-expanded="true"] .tfs-menu-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.tfs-menu-toggle[aria-expanded="true"] .tfs-menu-bar:nth-child(2) { opacity: 0; }
.tfs-menu-toggle[aria-expanded="true"] .tfs-menu-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.tfs-mobile-menu { display: none; padding: 12px 24px 24px; border-top: 1px solid var(--tfs-border); background: #fff; }
.tfs-mobile-menu[hidden] { display: none; }
.tfs-mobile-menu nav { display: flex; flex-direction: column; }
.tfs-mobile-menu nav a { color: var(--tfs-text); font-weight: 600; padding: 14px 0; border-bottom: 1px solid var(--tfs-border); }
.tfs-mobile-lang { display: flex; gap: 8px; margin: 16px 0; }
.tfs-mobile-lang .tfs-lang-btn { border: 1px solid var(--tfs-border); padding: 8px 14px; }
.tfs-mobile-lang .tfs-lang-btn.is-active { border-color: var(--tfs-gold); }

/* Hero */
.tfs-hero-grid {
  display: grid; grid-template-columns: 1fr 0.92fr; gap: var(--tfs-s8); align-items: center;
  padding-top: var(--tfs-s8); padding-bottom: var(--tfs-s6);
}
.tfs-hero-copy .tfs-eyebrow { color: var(--tfs-gold); }
.tfs-hero-title { margin-bottom: 20px; }
.tfs-hero-lead { color: var(--tfs-muted); font-size: 18px; font-weight: 600; max-width: 46ch; margin-bottom: 28px; }
.tfs-hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 32px; }
.tfs-hero-section .tfs-btn-ghost { color: var(--tfs-navy); border-color: var(--tfs-border); }
.tfs-hero-section .tfs-btn-ghost:hover { background: var(--tfs-navy); color: #fff; border-color: var(--tfs-navy); }
.tfs-hero-trust { display: flex; flex-direction: column; gap: 12px; }
.tfs-hero-trust li { display: flex; align-items: center; gap: 10px; color: #D6DEE9; font-weight: 600; font-size: 15px; }
.tfs-tick { display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; border-radius: 50%; background: rgba(46,125,87,.25); color: #7fe0ab; font-size: 13px; flex: none; }

.tfs-hero-visual { position: relative; }
.tfs-hero-img { aspect-ratio: 4 / 4.4; background: linear-gradient(135deg, rgba(255,255,255,.08), rgba(65,141,250,.14)); border-color: rgba(255,255,255,.2); color: #C6D2E0; }
.tfs-hero-img .tfs-ph-tag { color: var(--tfs-gold); background: rgba(65,141,250,.22); }
.tfs-hero-card {
  position: absolute; left: -16px; bottom: -22px;
  background: #fff; color: var(--tfs-text); border-radius: var(--tfs-radius);
  padding: 18px 22px; box-shadow: var(--tfs-shadow); min-width: 220px;
}
.tfs-hero-card-label { font-size: 13px; color: var(--tfs-muted); margin: 0 0 4px; font-weight: 600; }
.tfs-hero-card-value { font-size: 22px; font-weight: 800; color: var(--tfs-navy); margin: 0 0 4px; }
.tfs-hero-card-note { font-size: 12px; color: var(--tfs-muted); margin: 0; }

/* Proof strip */
.tfs-proof-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: var(--tfs-s6);
}
.tfs-proof-item {
  display: flex; align-items: center; gap: 12px; padding: 18px 20px;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--tfs-radius-sm); color: #EAF0F7; font-weight: 600; font-size: 14px;
}
.tfs-proof-icon { font-size: 22px; flex: none; }

/* ---- Hero calculator card ---- */
.tfs-hcalc {
  background: linear-gradient(180deg, #FFFFFF 0%, #F5F8FE 100%);
  border: 1px solid #E4ECF7;
  border-radius: 18px;
  box-shadow: 0 24px 50px rgba(3,8,15,.16);
  padding: 20px 28px 18px;
  color: var(--tfs-text);
  max-width: 510px; margin-left: auto;
}
.tfs-hcalc-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 6px; }
.tfs-hcalc-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: linear-gradient(90deg, #F6A821, #E2830E); color: #fff;
  font-size: 11px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase;
  padding: 5px 11px; border-radius: 999px;
}
.tfs-pulse { width: 7px; height: 7px; border-radius: 50%; background: #fff; animation: tfs-pulse 1.8s ease-out infinite; }
@keyframes tfs-pulse {
  0% { box-shadow: 0 0 0 0 rgba(255,255,255,.7); }
  70% { box-shadow: 0 0 0 7px rgba(255,255,255,0); }
  100% { box-shadow: 0 0 0 0 rgba(255,255,255,0); }
}
@media (prefers-reduced-motion: reduce) { .tfs-pulse { animation: none; } }
.tfs-hcalc-range { font-size: 12px; font-weight: 700; color: var(--tfs-muted); }
.tfs-hcalc-title { font-size: clamp(20px, 2vw, 24px); margin-bottom: 3px; }
.tfs-hcalc-sub { font-size: 13px; color: var(--tfs-muted); margin-bottom: 14px; }

.tfs-hcalc-field { margin-bottom: 13px; }
.tfs-hcalc-row { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; margin-bottom: 7px; }
.tfs-hcalc-row label { font-size: 14px; font-weight: 700; color: var(--tfs-navy); }
.tfs-hcalc-row output { font-size: 24px; font-weight: 800; color: var(--tfs-blue); font-variant-numeric: tabular-nums; }

/* Colorful light results inset */
.tfs-hcalc-results { background: #EEF4FE; border: 1px solid #D7E4FB; color: var(--tfs-text); border-radius: 14px; padding: 6px 18px; margin: 2px 0 12px; }
.tfs-hcalc-rrow { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 7px 0; font-size: 14px; border-bottom: 1px dotted #C6D6F2; }
.tfs-hcalc-rrow > span:first-child { color: var(--tfs-muted); }
.tfs-hcalc-rrow .tfs-calc-val { color: var(--tfs-navy); font-weight: 800; }
.tfs-hcalc-total { border-bottom: none; padding-top: 8px; margin-top: 2px; border-top: 1px solid #C6D6F2; }
.tfs-hcalc-total > span:first-child { color: var(--tfs-navy); font-weight: 800; font-size: 15px; }
.tfs-hcalc-total .tfs-calc-val { color: var(--tfs-blue); font-size: 26px; line-height: 1.1; font-variant-numeric: tabular-nums; }
.tfs-hcalc-pending { display: flex; align-items: center; gap: 8px; margin: 10px 0 0; font-size: 12px; color: #9FB0C4; }
.tfs-hcalc-fine { font-size: 11px; color: var(--tfs-muted); text-align: center; margin: 8px 0 0; }
.tfs-hcalc .tfs-btn-primary { background: linear-gradient(90deg, #5AA0FF 0%, #418DFA 100%); }
.tfs-hcalc .tfs-btn-primary:hover { background: linear-gradient(90deg, #418DFA 0%, #2F6FD6 100%); }

/* ---- Premium range slider ---- */
.tfs-range {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 7px; border-radius: 999px; cursor: pointer;
  background: linear-gradient(90deg, var(--tfs-blue) 0%, var(--tfs-blue) 10%, #DDE7F7 10%, #DDE7F7 100%);
}
.tfs-range::-webkit-slider-runnable-track { height: 7px; border-radius: 999px; background: transparent; }
.tfs-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; margin-top: -7.5px; border-radius: 50%;
  background: #fff; border: 4px solid var(--tfs-blue);
  box-shadow: 0 2px 8px rgba(30,107,224,.35); transition: transform .15s ease;
}
.tfs-range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.tfs-range::-moz-range-track { height: 7px; border-radius: 999px; background: transparent; }
.tfs-range::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 4px solid var(--tfs-blue);
  box-shadow: 0 2px 8px rgba(30,107,224,.35);
}
.tfs-range:focus-visible { outline: 3px solid var(--tfs-blue); outline-offset: 5px; }

/* =====================================================================
   SECTION 2 — Calculator & Form
   ===================================================================== */
.tfs-eligibility-section {
  position: relative;
  background: linear-gradient(180deg, rgba(11,31,58,.84), rgba(6,20,38,.88)), url("../img/tfs-form-bg.png") center / cover no-repeat;
  padding-top: 56px; padding-bottom: 96px;
}
/* Floated form card that sits partly out of the section (top half over the white band above) */
.tfs-eligibility-section .tfs-form-card {
  max-width: 820px; margin: -120px auto 0; position: relative; z-index: 2;
  box-shadow: 0 34px 74px rgba(3,8,15,.38);
}

/* 2-phase form */
.tfs-form-progress { display: flex; gap: 8px; margin-bottom: 22px; }
.tfs-prog-seg { flex: 1; height: 6px; border-radius: 999px; background: var(--tfs-border); transition: background-color .25s ease; }
.tfs-prog-seg.is-active { background: var(--tfs-gold); }
.tfs-form-step[hidden] { display: none; }
.tfs-step-heading { display: flex; flex-direction: column; gap: 2px; margin: 0 0 18px; }
.tfs-step-count { font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--tfs-gold-hover); }
.tfs-step-name { font-size: 20px; font-weight: 800; color: var(--tfs-navy); }
.tfs-step-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }
.tfs-step-nav-end { justify-content: flex-end; }
.tfs-step-nav .tfs-btn { min-width: 140px; }

.tfs-eligibility-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: var(--tfs-s4); align-items: start; }

/* Info panel (left) */
.tfs-elig-info { background: var(--tfs-navy); color: #EAF0F7; border: none; position: sticky; top: calc(var(--tfs-header-h) + 20px); }
.tfs-elig-info h3 { color: #fff; margin-bottom: 14px; }
.tfs-elig-list { display: flex; flex-direction: column; gap: 12px; }
.tfs-elig-list li { position: relative; padding-left: 28px; color: #EAF0F7; font-size: 15px; }
.tfs-elig-list li::before { content: "✓"; position: absolute; left: 0; color: var(--tfs-gold); font-weight: 800; }
.tfs-elig-divider { height: 1px; background: rgba(255,255,255,.12); margin: 24px 0; }
.tfs-elig-info p { color: #C6D2E0; font-size: 15px; }
.tfs-elig-secure { display: flex; align-items: center; gap: 8px; color: #9FB0C4; font-size: 13px; margin: 0; }

.tfs-preview-banner {
  background: rgba(65,141,250,.14); border: 1px solid rgba(65,141,250,.4);
  color: #7a5f1e; border-radius: var(--tfs-radius-sm); padding: 12px 14px;
  font-size: 13px; font-weight: 600; margin-bottom: 20px;
}
.tfs-calc-title, .tfs-form-title { margin-bottom: 6px; }
.tfs-calc-intro, .tfs-form-intro { color: var(--tfs-muted); font-size: 15px; margin-bottom: 24px; }

/* Fields */
.tfs-field { margin-bottom: 20px; }
.tfs-field > label { display: block; font-weight: 700; font-size: 14px; color: var(--tfs-navy); margin-bottom: 8px; }
.tfs-field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.tfs-field output { float: right; color: var(--tfs-gold-hover); font-weight: 800; }
.tfs-field input[type="text"], .tfs-field input[type="tel"], .tfs-field input[type="email"], .tfs-field input[type="number"], .tfs-field select {
  width: 100%; font-family: inherit; font-size: 15px; color: var(--tfs-text);
  padding: 12px 14px; border: 1.5px solid var(--tfs-border); border-radius: 10px; background: #fff;
  transition: border-color .15s ease, box-shadow .15s ease;
  box-sizing: border-box;
}
/* Hide number-input spinners so amount fields match the others */
.tfs-field input[type="number"]::-webkit-outer-spin-button,
.tfs-field input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.tfs-field input[type="number"] { -moz-appearance: textfield; }
.tfs-field input:focus, .tfs-field select:focus {
  outline: none; border-color: var(--tfs-gold); box-shadow: 0 0 0 3px rgba(65,141,250,.2);
}
.tfs-field input[aria-invalid="true"], .tfs-field select[aria-invalid="true"] { border-color: var(--tfs-error); }
.tfs-field-error { color: var(--tfs-error); font-size: 13px; font-weight: 600; margin-top: 6px; }

abbr[title] { color: var(--tfs-error); text-decoration: none; }

/* Range sliders */
input[type="range"] { width: 100%; accent-color: var(--tfs-gold); height: 6px; margin: 4px 0; }
input[type="range"]:focus-visible { outline: 3px solid var(--tfs-gold); outline-offset: 4px; }
.tfs-range-ends { display: flex; justify-content: space-between; font-size: 12px; color: var(--tfs-muted); margin-top: 4px; }
input[type="range"][disabled] { opacity: .5; }

/* Calc results */
.tfs-calc-results { background: var(--tfs-offwhite); border: 1px solid var(--tfs-border); border-radius: var(--tfs-radius-sm); padding: 8px 18px; margin: 8px 0 18px; }
.tfs-calc-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px dotted var(--tfs-border); font-size: 15px; }
.tfs-calc-row:last-child { border-bottom: none; }
.tfs-calc-val { font-weight: 800; color: var(--tfs-navy); }
.tfs-calc-disclaimer { font-size: 12px; color: var(--tfs-muted); margin: 0 0 18px; }

/* Consent */
.tfs-consent { margin-top: 8px; }
.tfs-checkbox { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; font-size: 14px; color: var(--tfs-text); cursor: pointer; }
.tfs-checkbox input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--tfs-gold); flex: none; }
.tfs-checkbox a { color: var(--tfs-gold-hover); border-bottom: 1px solid; }

.tfs-consent-text { font-size: 12px; color: var(--tfs-muted); line-height: 1.6; margin: 4px 0 18px; }
.tfs-consent-text a { color: var(--tfs-gold-hover); border-bottom: 1px solid; }
.tfs-form-note { font-size: 12px; color: var(--tfs-muted); text-align: center; margin: 14px 0 0; }
.tfs-form-error-summary { background: rgba(180,64,46,.08); border: 1px solid rgba(180,64,46,.4); color: var(--tfs-error); border-radius: 10px; padding: 12px 14px; margin-bottom: 18px; font-size: 14px; font-weight: 600; }
.tfs-form-result { border-radius: 10px; padding: 14px 16px; margin-top: 16px; font-weight: 600; font-size: 14px; }
.tfs-form-result.is-accepted { background: rgba(46,125,87,.1); border: 1px solid var(--tfs-success); color: var(--tfs-success); }
.tfs-form-result.is-rejected { background: rgba(180,64,46,.08); border: 1px solid var(--tfs-error); color: var(--tfs-error); }

/* =====================================================================
   SECTION 3 — About Trust
   ===================================================================== */
/* Trust band (own section between hero and eligibility) — Trust & Compliance layout */
.tfs-trustband-section { background: var(--tfs-white); padding: 48px 0 112px; }
.tfs-compliance-head { text-align: center; max-width: 760px; margin: 0 auto 30px; }
.tfs-compliance-eyebrow {
  display: inline-block; background: rgba(65,141,250,.14); color: var(--tfs-gold-hover);
  font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 999px; margin-bottom: 14px;
}
.tfs-compliance-title { font-size: clamp(26px, 3vw, 36px); line-height: 1.15; margin: 0; }

.tfs-compliance-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.tfs-compliance-card {
  background: #FBFAF7; border: 1px solid var(--tfs-border); border-radius: 16px; padding: 24px;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.tfs-compliance-card:hover { transform: translateY(-6px); box-shadow: 0 16px 36px rgba(11,31,58,.12); border-color: #E4D9BE; }
@media (prefers-reduced-motion: reduce) { .tfs-compliance-card { transition: none; } }
.tfs-compliance-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 48px; height: 48px; border-radius: 12px; font-size: 22px; margin-bottom: 18px;
}
.tfs-ci-green { background: rgba(46,125,87,.14); }
.tfs-ci-gold  { background: rgba(65,141,250,.16); }
.tfs-ci-blue  { background: rgba(37,99,178,.12); }
.tfs-ci-navy  { background: rgba(11,31,58,.10); }
.tfs-compliance-card h3 { font-size: 17px; margin: 0 0 4px; }
.tfs-compliance-sub { font-size: 15px; font-weight: 800; margin: 0 0 12px; }
.tfs-cs-green { color: #2E7D57; }
.tfs-cs-gold  { color: var(--tfs-gold-hover); }
.tfs-cs-blue  { color: #2563B2; }
.tfs-cs-navy  { color: var(--tfs-navy); }
.tfs-compliance-desc { font-size: 14px; color: var(--tfs-muted); line-height: 1.6; margin: 0; }

.tfs-compliance-link {
  display: block; text-align: center; margin: 30px auto 0; font-weight: 700; color: var(--tfs-navy);
}
.tfs-compliance-link:hover { color: var(--tfs-gold-hover); }
.tfs-compliance-link { border-bottom: none; }

.tfs-about-grid { display: grid; grid-template-columns: 1fr 1.12fr; gap: 80px; align-items: center; }
.tfs-about-title { font-size: clamp(27px, 3.2vw, 38px); margin-bottom: 22px; line-height: 1.15; }

/* Highlight box: navy figure + arrow bullets */
.tfs-about-highlight { display: flex; border: 1px solid var(--tfs-border); border-radius: 14px; overflow: hidden; margin-bottom: 22px; }
.tfs-about-hl-num { background: var(--tfs-navy); color: #fff; padding: 18px 22px; display: flex; flex-direction: column; justify-content: center; text-align: center; flex: none; }
.tfs-about-hl-num strong { font-size: 40px; font-weight: 800; color: var(--tfs-gold); line-height: 1; letter-spacing: -.02em; }
.tfs-about-hl-num span { font-size: 13px; font-weight: 600; color: #C6D2E0; margin-top: 6px; }
.tfs-about-hl-list { display: flex; flex-direction: column; justify-content: center; gap: 10px; padding: 16px 22px; }
.tfs-about-hl-list li { position: relative; padding-left: 24px; font-size: 15px; font-weight: 600; color: var(--tfs-text); }
.tfs-about-hl-list li::before { content: "▸"; position: absolute; left: 0; color: var(--tfs-blue); font-weight: 800; }

.tfs-about-checks { display: flex; flex-direction: column; gap: 10px; margin-bottom: 26px; }
.tfs-about-checks li { position: relative; padding-left: 28px; font-size: 15px; color: var(--tfs-text); }
.tfs-about-checks li::before { content: "✓"; position: absolute; left: 0; color: var(--tfs-success); font-weight: 800; }

.tfs-about-visual { position: relative; }
.tfs-about-photo { width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; border-radius: 18px; box-shadow: var(--tfs-shadow); position: relative; z-index: 1; }
.tfs-about-visual::before { content: ""; position: absolute; right: -14px; top: -14px; width: 52%; height: 60%; border-radius: 18px; background: linear-gradient(135deg, rgba(65,141,250,.28), rgba(30,107,224,.20)); z-index: 0; }
/* Small "deal" inset, bottom-left of the team photo */
.tfs-about-inset {
  position: absolute; left: -28px; bottom: -38px; z-index: 2;
  width: 34%; max-width: 170px; aspect-ratio: 4 / 3; object-fit: cover;
  border-radius: 14px; border: 5px solid #fff; box-shadow: var(--tfs-shadow);
}
.tfs-trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--tfs-s3); }
.tfs-trust-card h3 { margin-bottom: 8px; }
.tfs-trust-card p { color: var(--tfs-muted); font-size: 15px; margin: 0; }

/* =====================================================================
   SECTION 4 — Services
   ===================================================================== */
.tfs-services-section { background: var(--tfs-offwhite); padding: 56px 0; }
.tfs-services-section .tfs-section-head { margin-bottom: 28px; }

/* Editorial split: primary Personal Loan panel + two secondary cards */
.tfs-services-split { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: var(--tfs-s3); align-items: stretch; }

.tfs-service-primary {
  background: linear-gradient(155deg, #16305A 0%, var(--tfs-navy) 55%, var(--tfs-navy-deep) 100%);
  color: #EAF0F7; border-radius: var(--tfs-radius); padding: 40px;
  display: flex; flex-direction: column;
}
.tfs-service-tag {
  align-self: flex-start; background: rgba(65,141,250,.18); color: #9FC4FF;
  font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase;
  padding: 6px 13px; border-radius: 999px; margin-bottom: 22px;
}
.tfs-primary-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 54px; height: 54px; border-radius: 14px; margin-bottom: 16px;
  background: rgba(65,141,250,.16); color: var(--tfs-gold);
}
.tfs-service-primary h3 { color: #fff; font-size: clamp(24px, 2.6vw, 32px); margin-bottom: 12px; }
.tfs-primary-desc { color: #C6D2E0; font-size: 16px; line-height: 1.6; margin: 0 0 22px; max-width: 44ch; }
.tfs-primary-benefits { display: flex; flex-direction: column; gap: 11px; margin: 0 0 28px; }
.tfs-primary-benefits li { position: relative; padding-left: 28px; color: #EAF0F7; font-size: 15px; font-weight: 600; }
.tfs-primary-benefits li::before { content: "✓"; position: absolute; left: 0; color: var(--tfs-gold); font-weight: 800; }
.tfs-service-primary .tfs-btn { align-self: flex-start; margin-top: auto; }

.tfs-service-secondary { display: flex; flex-direction: column; gap: var(--tfs-s3); }
.tfs-service-mini {
  background: #fff; border: 1px solid var(--tfs-border); border-radius: var(--tfs-radius);
  padding: 26px; display: flex; gap: 16px; align-items: flex-start; flex: 1;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.tfs-service-mini:hover { transform: translateY(-3px); box-shadow: var(--tfs-shadow); border-color: #D7E4FB; }
@media (prefers-reduced-motion: reduce) { .tfs-service-mini { transition: none; } }
.tfs-mini-icon { flex: none; width: 50px; height: 50px; border-radius: 13px; display: inline-flex; align-items: center; justify-content: center; }
.tfs-mi-blue { background: rgba(30,107,224,.12); color: var(--tfs-blue); }
.tfs-mi-gold { background: rgba(65,141,250,.16); color: var(--tfs-gold-hover); }
.tfs-service-mini h3 { font-size: 19px; margin-bottom: 5px; }
.tfs-service-mini p { color: var(--tfs-muted); font-size: 14px; line-height: 1.55; margin: 0 0 12px; }
.tfs-mini-link { font-weight: 800; color: var(--tfs-blue); font-size: 14px; display: inline-flex; align-items: center; gap: 4px; }
.tfs-mini-link:hover { color: var(--tfs-blue-dark); }

/* Loan use-case grid */
.tfs-usecase-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--tfs-s3); }
.tfs-usecase {
  display: flex; flex-direction: column; background: #fff; color: var(--tfs-text);
  border: 1px solid var(--tfs-border); border-radius: var(--tfs-radius); overflow: hidden;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.tfs-usecase:hover { transform: translateY(-6px); box-shadow: 0 18px 40px rgba(11,31,58,.16); border-color: #D7E4FB; }
@media (prefers-reduced-motion: reduce) { .tfs-usecase { transition: none; } }
.tfs-usecase-media { position: relative; aspect-ratio: 16 / 10; }
.tfs-usecase-media img { width: 100%; height: 100%; object-fit: cover; display: block; }
.tfs-ph-media { display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, rgba(11,31,58,.06), rgba(30,107,224,.10)), var(--tfs-offwhite); }
.tfs-ph-label { font-size: 12px; font-weight: 600; color: var(--tfs-muted); }
.tfs-usecase-pill {
  position: absolute; top: 12px; left: 12px; display: inline-flex; align-items: center; gap: 7px;
  background: #fff; color: var(--tfs-navy); font-size: 12px; font-weight: 800;
  padding: 7px 12px; border-radius: 999px; box-shadow: var(--tfs-shadow-sm);
}
.tfs-pill-dot { width: 8px; height: 8px; border-radius: 50%; flex: none; }
.tfs-usecase-body { padding: 16px 20px 18px; }
.tfs-usecase-body h3 { font-size: 18px; margin-bottom: 5px; }
.tfs-usecase-body p { color: var(--tfs-muted); font-size: 14px; line-height: 1.5; margin: 0; }

/* Products grid: 3 across; Personal Loan featured (slightly wider + shiny border) */
.tfs-products-grid { display: grid; grid-template-columns: 1.25fr 1fr 1fr; gap: var(--tfs-s3); align-items: stretch; }
.tfs-products-grid .tfs-usecase-media { aspect-ratio: 4 / 3; }
.tfs-products-grid .tfs-usecase-body { display: flex; flex-direction: column; flex: 1; }
.tfs-usecase-link { display: inline-flex; align-items: center; gap: 6px; color: var(--tfs-blue); font-weight: 800; font-size: 14px; margin-top: auto; padding-top: 12px; }
.tfs-usecase-link:hover { color: var(--tfs-blue-dark); }

/* Featured Personal Loan card: shiny blue gradient border + glow */
.tfs-usecase-featured {
  border: 2px solid transparent;
  background:
    linear-gradient(#fff, #fff) padding-box,
    linear-gradient(115deg, #9FC4FF, #418DFA, #002B96, #418DFA, #9FC4FF) border-box;
  background-size: 100% 100%, 300% 100%;
  animation: tfs-border-shimmer 4.5s linear infinite;
  box-shadow: 0 14px 38px rgba(65,141,250,.24);
}
@keyframes tfs-border-shimmer {
  0%   { background-position: 0 0, 0% 0; }
  100% { background-position: 0 0, 300% 0; }
}
@media (prefers-reduced-motion: reduce) { .tfs-usecase-featured { animation: none; } }
.tfs-usecase-featured:hover { transform: translateY(-6px); box-shadow: 0 22px 50px rgba(65,141,250,.32); border-color: transparent; }
.tfs-usecase-featured .tfs-usecase-body h3 { font-size: 20px; }

/* =====================================================================
   SECTION 5 — Process & Eligibility
   ===================================================================== */
.tfs-steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--tfs-s3); margin-bottom: var(--tfs-s6); }
.tfs-step {
  text-align: center; padding: 26px 18px 22px;
  background: #fff; border: 1px solid #E4ECF7; border-radius: 16px;
  box-shadow: 0 6px 18px rgba(11,31,58,.05);
  transition: transform .3s cubic-bezier(.22,1,.36,1), box-shadow .3s cubic-bezier(.22,1,.36,1), border-color .3s ease;
}
.tfs-step:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(11,31,58,.14);
  border-color: #418DFA;
}
.tfs-step-icon-row { display: flex; align-items: center; justify-content: center; gap: 0; margin-bottom: 14px; }
.tfs-step-connector { width: 28px; flex-shrink: 0; border-bottom: 2px dashed #C5D5EA; margin: 0 10px; }
.tfs-step-emoji { font-size: 32px; line-height: 1; }
.tfs-step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--tfs-navy); color: var(--tfs-gold); font-size: 17px; font-weight: 800;
}
.tfs-step h3 { margin-bottom: 8px; font-size: 19px; }
.tfs-step p { color: var(--tfs-muted); font-size: 15px; margin: 0; }


/* =====================================================================
   SECTION 6 — Reviews & Transparency
   ===================================================================== */
.tfs-reviews-eyebrow {
  display: inline-block; background: rgba(30,107,224,.12); color: var(--tfs-blue);
  font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 999px; margin-bottom: 18px;
}

/* Testimonial carousel */
.tfs-carousel { position: relative; margin-bottom: var(--tfs-s6); }
/* Full-bleed variant: spans the section (100% width); cards align to content then scroll edge-to-edge */
.tfs-carousel-full .tfs-carousel-track {
  padding-left: max(24px, calc((100% - 1180px) / 2));
  padding-right: max(24px, calc((100% - 1180px) / 2));
}
.tfs-carousel-full .tfs-carousel-prev { left: 16px; }
.tfs-carousel-full .tfs-carousel-next { right: 16px; }
.tfs-carousel-track {
  display: flex; gap: 20px; overflow-x: auto; scroll-snap-type: none;
  -webkit-overflow-scrolling: touch;
  padding: 8px 2px 22px; scrollbar-width: none;
}
.tfs-carousel-track::-webkit-scrollbar { display: none; }
@media (prefers-reduced-motion: reduce) { .tfs-carousel-track { scroll-behavior: auto; } }

.tfs-carousel .tfs-review-card {
  flex: 0 0 340px; scroll-snap-align: start; display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--tfs-border); border-radius: 18px;
  box-shadow: var(--tfs-shadow-sm); padding: 26px;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.tfs-carousel .tfs-review-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 18px 40px rgba(11,31,58,.16);
  border-color: #D7E4FB;
}
@media (prefers-reduced-motion: reduce) { .tfs-carousel .tfs-review-card { transition: none; } }
@media (max-width: 640px) { .tfs-carousel .tfs-review-card { flex-basis: 84%; } }

.tfs-review-stars { color: var(--tfs-gold); font-size: 18px; letter-spacing: 3px; margin: 0 0 14px; }
.tfs-star-off { color: #D9D3C6; }
.tfs-review-text { color: var(--tfs-text); font-size: 15px; line-height: 1.65; margin: 0 0 auto; }
.tfs-review-text::before { content: "\201C"; color: var(--tfs-gold); font-size: 34px; font-weight: 800; line-height: 0; vertical-align: -8px; margin-right: 4px; }
.tfs-review-foot { display: flex; align-items: center; gap: 12px; margin-top: 22px; }
.tfs-review-avatar {
  flex: none; width: 46px; height: 46px; border-radius: 50%;
  object-fit: cover; background: var(--tfs-offwhite);
}
.tfs-review-name { font-weight: 800; color: var(--tfs-navy); font-size: 15px; margin: 0; }
.tfs-review-meta { color: var(--tfs-muted); font-size: 13px; margin: 2px 0 0; }

.tfs-carousel-btn {
  position: absolute; top: 42%; transform: translateY(-50%); z-index: 3;
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--tfs-border);
  background: #fff; color: var(--tfs-navy); font-size: 26px; line-height: 1; cursor: pointer;
  box-shadow: var(--tfs-shadow); display: flex; align-items: center; justify-content: center;
  transition: background-color .18s ease, color .18s ease;
}
.tfs-carousel-btn:hover { background: var(--tfs-navy); color: #fff; }
.tfs-carousel-btn:focus-visible { outline: 3px solid var(--tfs-blue); outline-offset: 2px; }
.tfs-carousel-prev { left: -12px; }
.tfs-carousel-next { right: -12px; }
@media (max-width: 640px) { .tfs-carousel-prev { left: 2px; } .tfs-carousel-next { right: 2px; } }

.tfs-transparency-panel { background: #fff; }
.tfs-transparency-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px 32px; margin: 12px 0 20px; }
.tfs-transparency-grid p { color: var(--tfs-text); font-size: 15px; margin: 0; }
.tfs-akpk-note { color: var(--tfs-muted); font-size: 13px; margin: 0; padding-top: 16px; border-top: 1px solid var(--tfs-border); }

/* =====================================================================
   SECTION 7 — FAQ
   ===================================================================== */
.tfs-accordion { display: flex; flex-direction: column; gap: 12px; }
.tfs-acc-item { background: #fff; border: 1px solid var(--tfs-border); border-radius: var(--tfs-radius-sm); overflow: hidden; }
.tfs-acc-item summary {
  list-style: none; cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--tfs-navy);
  display: flex; align-items: center; justify-content: space-between; gap: 16px; font-size: 16px;
}
.tfs-acc-item summary::-webkit-details-marker { display: none; }
.tfs-acc-item summary::after { content: "+"; color: var(--tfs-gold); font-size: 22px; font-weight: 700; flex: none; transition: transform .2s ease; }
.tfs-acc-item[open] summary::after { content: "–"; }
.tfs-acc-item summary:focus-visible { outline: 3px solid var(--tfs-gold); outline-offset: -3px; }
.tfs-acc-body { padding: 0 22px 20px; }
.tfs-acc-body p { color: var(--tfs-muted); margin: 0; font-size: 15px; }

/* =====================================================================
   SECTION 8 — Final CTA / Footer
   ===================================================================== */
.tfs-contact-section { background: var(--tfs-navy-deep); color: #C6D2E0; padding-bottom: var(--tfs-s6); }
.tfs-final-cta { text-align: center; max-width: 640px; margin: 0 auto var(--tfs-s8); }
.tfs-final-cta h2 { color: #fff; }
.tfs-final-cta p { color: #C6D2E0; font-size: 18px; }
.tfs-final-cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 24px; }

.tfs-footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr 1fr; gap: var(--tfs-s4); padding: var(--tfs-s6) 0; border-top: 1px solid rgba(255,255,255,.1); }
.tfs-footer-col h4 { color: var(--tfs-gold); margin-bottom: 14px; }
.tfs-footer-col p { color: #9FB0C4; font-size: 14px; margin: 0 0 8px; }
.tfs-logo-footer { margin-bottom: 14px; }
.tfs-footer-about { color: #9FB0C4; font-size: 14px; }
.tfs-footer-links { display: flex; flex-direction: column; gap: 10px; }
.tfs-footer-links a { color: #9FB0C4; font-size: 14px; }
.tfs-footer-links a:hover { color: var(--tfs-gold); }

.tfs-legal-bar { padding-top: var(--tfs-s4); border-top: 1px solid rgba(255,255,255,.1); }
.tfs-disclaimer { color: #8494A8; font-size: 12px; line-height: 1.7; margin-bottom: 12px; }
.tfs-copyright { color: #8494A8; font-size: 13px; margin: 0; }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1024px) {
  :root { --tfs-sec-pad: 72px; --tfs-s8: 48px; }
  .tfs-hero-grid { gap: var(--tfs-s6); }
  .tfs-footer-grid { grid-template-columns: 1fr 1fr; gap: var(--tfs-s4); }
  .tfs-compliance-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .tfs-nav { display: none; }
  .tfs-header-cta { display: none; }
  .tfs-lang-toggle { display: none; }
  .tfs-menu-toggle { display: flex; }
  .tfs-mobile-menu { display: block; }
  .tfs-mobile-menu[hidden] { display: none; }

  .tfs-hero-grid { grid-template-columns: 1fr; }
  .tfs-hero-visual { max-width: 520px; }
  .tfs-hcalc { margin-inline: auto; }
  .tfs-eligibility-grid { grid-template-columns: 1fr; }
  .tfs-elig-info { position: static; }
  .tfs-about-grid { grid-template-columns: 1fr; gap: var(--tfs-s4); }
  .tfs-products-grid { grid-template-columns: 1fr; }
  .tfs-trust-grid { grid-template-columns: 1fr; }
  .tfs-steps-grid { grid-template-columns: 1fr 1fr; }
  .tfs-reviews-grid { grid-template-columns: 1fr; }
  .tfs-transparency-grid { grid-template-columns: 1fr; }
  .tfs-proof-strip { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  :root { --tfs-sec-pad: 52px; }
  body { font-size: 16px; }
  .tfs-inner { padding: 0 18px; }
  .tfs-usecase-grid { grid-template-columns: 1fr; }
  .tfs-steps-grid { grid-template-columns: 1fr; }
  .tfs-proof-strip { grid-template-columns: 1fr; }
  .tfs-compliance-grid { grid-template-columns: 1fr; }
  .tfs-compliance-title { font-size: 28px; }
  .tfs-about-highlight { flex-direction: column; }
  .tfs-about-hl-num { text-align: left; }
  .tfs-field-row { grid-template-columns: 1fr; }

  /* Hero — tighter height + breathing room under the header */
  .tfs-hero-grid { padding-top: 30px; padding-bottom: 26px; gap: 26px; }
  .tfs-hero-badge { margin-bottom: 16px; }
  .tfs-hero-microline { margin-bottom: 8px; font-size: 12px; }
  .tfs-hero-title { margin-bottom: 12px; }
  .tfs-hero-lead { font-size: 14px; font-weight: 400; line-height: 1.55; margin-bottom: 18px; }
  .tfs-hero-checks { flex-direction: column; flex-wrap: nowrap; gap: 10px; margin-bottom: 18px; }
  /* Both CTAs on one row, smaller */
  .tfs-hero-actions { flex-wrap: nowrap; gap: 10px; margin-bottom: 24px; }
  .tfs-hero-actions .tfs-btn { flex: 1 1 0; min-width: 0; padding: 11px 10px; font-size: 13.5px; }
  .tfs-hero-card { position: static; margin-top: 28px; left: 0; }
  .tfs-final-cta-actions .tfs-btn { flex: 1 1 100%; }
  .tfs-card { --tfs-card-pad: var(--tfs-s3); }
}

/* =====================================================================
   ITERATION OVERRIDES — gold buttons, bigger headings, section rhythm
   ===================================================================== */

/* Darker / antique gold gradient buttons */
.tfs-btn-primary { background: linear-gradient(90deg, #C1992F 0%, #9A7620 100%); color: #fff; border-color: transparent; }
.tfs-btn-primary:hover { background: linear-gradient(90deg, #9A7620 0%, #7C5E17 100%); }
.tfs-hcalc .tfs-btn-primary { background: linear-gradient(90deg, #C1992F 0%, #9A7620 100%); }
.tfs-hcalc .tfs-btn-primary:hover { background: linear-gradient(90deg, #9A7620 0%, #7C5E17 100%); }
.tfs-btn-ghost,
.tfs-hero-section .tfs-btn-ghost { color: #7C5E17; border-color: #9A7620; background: transparent; }
.tfs-btn-ghost:hover,
.tfs-hero-section .tfs-btn-ghost:hover { background: linear-gradient(90deg, #C1992F, #9A7620); color: #fff; border-color: transparent; }
.tfs-btn:focus-visible { outline-color: #9A7620; }
.tfs-link-arrow { border-bottom-color: #9A7620; }
.tfs-link-arrow:hover { color: #7C5E17; }

/* Eligibility form icon checklist */
.tfs-elig-checklist { list-style: none; margin: 0 0 24px; padding: 22px 24px; background: var(--tfs-offwhite); border: 1px solid var(--tfs-border); border-radius: 14px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 28px; }
.tfs-elig-checklist li.wide { grid-column: 1 / -1; }
.tfs-elig-checklist li { display: flex; align-items: center; gap: 12px; font-weight: 700; color: var(--tfs-navy); font-size: 15px; }
.tfs-elig-checklist li.no { color: var(--tfs-muted); }
.tfs-elig-checklist li::before { flex: none; width: 26px; height: 26px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 15px; font-weight: 800; box-shadow: 0 2px 6px rgba(17,22,31,.14); }
.tfs-elig-checklist li.ok::before { content: "✓"; background: #2E7D57; color: #fff; }
.tfs-elig-checklist li.no::before { content: "✕"; background: #C0392B; color: #fff; }
@media (max-width: 640px) { .tfs-elig-checklist { grid-template-columns: 1fr; } }

/* Hero: gradient accent title, lighter lead, chip-style checklist */
.tfs-title-accent {
  background: linear-gradient(92deg, #5AA0FF 0%, #418DFA 45%, #2F6FD6 100%);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}
.tfs-hero-lead { font-weight: 400; }
.tfs-hero-checks { gap: 10px 12px; margin-bottom: 30px; }
.tfs-hero-checks li {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 15px 8px 9px; background: transparent;
  border: none; border-radius: 999px;
  font-size: 14px; font-weight: 700; color: var(--tfs-navy);
}
.tfs-hero-checks li:hover { transform: translateY(-2px); box-shadow: var(--tfs-shadow); }
.tfs-hero-checks li::before {
  content: "✓"; position: static; flex: none; padding: 0;
  width: 20px; height: 20px; border-radius: 50%;
  background: rgba(46,125,87,.15); color: var(--tfs-success);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 800;
}

/* Bigger section headings */
h2 { font-size: clamp(30px, 4vw, 46px); }
.tfs-compliance-title,
.tfs-about-title { font-size: clamp(30px, 4vw, 46px); }

/* Section rhythm: tighter hero→trust gap, tighter How-it-works / Testimonials / FAQ */
.tfs-hero-section { padding-bottom: 36px; }
.tfs-hero-grid { padding-top: 32px; padding-bottom: 0; }
.tfs-hero-section + .tfs-trustband-section { margin-top: 0; }
.tfs-trustband-section { margin-top: 0; padding-top: 60px; padding-bottom: 120px; }
.tfs-process-section { padding-top: 120px; padding-bottom: 60px; }
.tfs-reviews-section { padding-top: 60px; padding-bottom: 120px; }
.tfs-faq-section { padding-top: 32px; padding-bottom: 120px; }
.tfs-steps-grid { margin-bottom: 0; }
.tfs-reviews-section .tfs-carousel { margin-bottom: 0; }

/* No extra margin between sections — spacing comes from each section's padding */
.tfs-section + .tfs-section { margin-top: 0; }

/* Mobile: show the About image above the copy + contain the inset */
@media (max-width: 900px) {
  .tfs-about-visual { order: -1; margin-bottom: 42px; }
  .tfs-about-inset { left: auto; right: 12px; bottom: -14px; width: 100px; height: 100px; max-width: 100px; aspect-ratio: auto; object-fit: cover; border-width: 4px; box-shadow: 0 8px 22px rgba(17,22,31,.28); }
  .tfs-about-visual::before { right: 0; width: 44%; }
  /* Center the About copy on mobile; icon lists = left-aligned items in a centered block */
  .tfs-about-copy { text-align: center; }
  .tfs-about-checks,
  .tfs-about-hl-list {
    align-items: flex-start;
    width: fit-content; max-width: 320px;
    margin-left: auto; margin-right: auto;
    text-align: left;
  }
  .tfs-about-hl-num { text-align: center; }
}

@media (max-width: 640px) {
  .tfs-form-title, .tfs-form-intro { text-align: center; }
  .tfs-form-title { font-size: 24px; }
  .tfs-hero-section { padding-left: 0; padding-right: 0; width: 100%; }
  /* Hero — more breathing room */
  .tfs-hero-section { padding-bottom: 24px; }
  .tfs-hero-grid { padding-top: 28px; gap: 26px; }
  .tfs-hero-badge { margin-bottom: 20px; }
  .tfs-hero-title { margin-bottom: 16px; }
  .tfs-hero-lead { margin-bottom: 24px; }
  /* Icon list — roomier, tappable pill chips */
  .tfs-hero-checks { gap: 0; margin-bottom: 28px; }
  .tfs-hero-checks li { padding: 5px 12px 5px 8px; font-size: 15px; }
  .tfs-hero-checks li::before { width: 22px; height: 22px; font-size: 13px; }
  /* Trust — more space before the next section */
  .tfs-trustband-section { padding-top: 40px; padding-bottom: 150px; }

  .tfs-process-section,
  .tfs-reviews-section { padding-top: 72px; padding-bottom: 72px; }
  .tfs-faq-section { padding-top: 28px; padding-bottom: 28px; }
  /* Footer — single column, centered, wrap long strings (fixes horizontal overflow) */
  .tfs-footer-grid { grid-template-columns: 1fr; gap: 30px; text-align: center; }
  .tfs-footer-col { display: flex; flex-direction: column; align-items: center; }
  .tfs-footer-links { align-items: center; }
  .tfs-footer-col p, .tfs-footer-col a { overflow-wrap: anywhere; }
  .tfs-legal-bar { text-align: center; }
}

/* =====================================================================
   Reviews — "Real conversations & approvals" proof gallery + lightbox
   ===================================================================== */
.tfs-proof { margin-top: 56px; }
.tfs-proof-head { text-align: center; max-width: 640px; margin: 0 auto 28px; }
.tfs-proof-head h3 { font-size: clamp(20px, 2.4vw, 26px); margin-bottom: 8px; }
.tfs-proof-head p { color: var(--tfs-muted); font-size: 14px; margin: 0; }
.tfs-proof-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; padding: 0 24px; align-items: start; }
.tfs-proof-item { padding: 0; border: 0; background: none; cursor: pointer; display: block; }
.tfs-proof-phone {
  display: block; position: relative; background: none; padding: 0;
  border-radius: 12px; box-shadow: var(--tfs-shadow-sm); overflow: hidden;
  transition: transform .18s ease, box-shadow .18s ease;
}
.tfs-proof-item:hover .tfs-proof-phone,
.tfs-proof-item:focus-visible .tfs-proof-phone { transform: translateY(-4px); box-shadow: var(--tfs-shadow); }
.tfs-proof-phone > img { display: block; width: 100%; height: auto; border-radius: 12px; }
.tfs-proof-phone > .tfs-proof-ph {
  display: flex; align-items: center; justify-content: center; text-align: center;
  width: 100%; aspect-ratio: 9 / 19; border-radius: 12px;
  background: linear-gradient(150deg, #E9F1FE, #F2F5FB);
  color: #7A8494; font-size: 12px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase;
}
@media (max-width: 1100px) { .tfs-proof-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 700px)  { .tfs-proof-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; padding: 0 16px; } .tfs-proof { margin-top: 44px; } }

/* Lightbox */
.tfs-lightbox { position: fixed; inset: 0; z-index: 1000; background: rgba(11,14,20,.85); display: flex; align-items: center; justify-content: center; padding: 24px; }
.tfs-lightbox[hidden] { display: none; }
.tfs-lightbox-body { max-width: 420px; width: 100%; }
.tfs-lightbox-body .tfs-proof-phone { aspect-ratio: auto; max-height: 88vh; }
.tfs-lightbox-body img,
.tfs-lightbox-body .tfs-proof-ph { height: auto; max-height: 84vh; object-fit: contain; border-radius: 15px; }
.tfs-lightbox-body .tfs-proof-ph { min-height: 60vh; }
.tfs-lightbox-close { position: absolute; top: 16px; right: 20px; width: 42px; height: 42px; border-radius: 50%; border: 0; background: #fff; color: #11161F; font-size: 26px; line-height: 1; cursor: pointer; box-shadow: var(--tfs-shadow); }

/* Anti-scam notice band */
.tfs-notice-band { background: #E0B84E; color: #11161F; text-align: center; padding: 16px 24px; border-radius: 10px; margin-top: 20px; }
.tfs-notice-band p { margin: 0 auto; max-width: 820px; font-family: var(--tfs-font-head); font-weight: 800; font-size: clamp(14px, 1.8vw, 18px); letter-spacing: -.01em; line-height: 1.4; }
.tfs-notice-band strong { color: #11161F; }

/* =====================================================================
   Motion & Transitions
   ===================================================================== */
@keyframes tfs-fade-up {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Hero — staggered entrance on page load */
.tfs-hero-badge     { animation: tfs-fade-up .55s ease both .1s; }
.tfs-hero-microline { animation: tfs-fade-up .55s ease both .2s; }
.tfs-hero-title     { animation: tfs-fade-up .6s  ease both .3s; }
.tfs-hero-lead      { animation: tfs-fade-up .55s ease both .45s; }
.tfs-hero-checks    { animation: tfs-fade-up .55s ease both .6s; }
.tfs-hero-actions   { animation: tfs-fade-up .55s ease both .7s; }
.tfs-hero-media     { animation: tfs-fade-up .7s  ease both .35s; }

/* Scroll reveal */
.tfs-reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .55s ease, transform .55s cubic-bezier(.22,1,.36,1);
}
.tfs-reveal.is-visible { opacity: 1; transform: translateY(0); }
.tfs-reveal[data-delay="1"] { transition-delay: .1s; }
.tfs-reveal[data-delay="2"] { transition-delay: .2s; }
.tfs-reveal[data-delay="3"] { transition-delay: .3s; }
.tfs-reveal[data-delay="4"] { transition-delay: .4s; }

/* Respect prefers-reduced-motion */
@media (prefers-reduced-motion: reduce) {
  .tfs-hero-badge, .tfs-hero-microline, .tfs-hero-title,
  .tfs-hero-lead, .tfs-hero-checks, .tfs-hero-actions, .tfs-hero-media { animation: none; }
  .tfs-reveal { opacity: 1; transform: none; transition: none; }
}

/* ---- Representative example / financial disclosure (Google Ads policy) ---- */
.tfs-disclosure-section { background: var(--tfs-offwhite); padding: 56px 0; }
.tfs-disclosure-card {
  max-width: 900px; margin: 0 auto; padding: 30px 34px;
  background: var(--tfs-white); border: 1px solid var(--tfs-border);
  border-radius: var(--tfs-radius); box-shadow: var(--tfs-shadow-sm);
}
.tfs-disclosure-title {
  font-size: clamp(19px, 2vw, 23px); margin: 0 0 14px; color: var(--tfs-navy);
}
.tfs-disclosure-body {
  font-size: 15.5px; line-height: 1.7; color: var(--tfs-text); margin: 0 0 12px;
}
.tfs-disclosure-note {
  font-size: 14px; line-height: 1.65; color: var(--tfs-muted); margin: 0;
}
@media (max-width: 640px) {
  .tfs-disclosure-section { padding: 40px 0; }
  .tfs-disclosure-card { padding: 22px 20px; }
  .tfs-disclosure-body { font-size: 14.5px; }
}