/* ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
   Capital — Loans · Prepayment · Deposits
   Shared stylesheet
   ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ */

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

/* ── DESIGN TOKENS ── */
:root {
  --blue:      #3B7BF8;
  --blue-light:#eff6ff;
  --purple:    #8B5CF6;
  --yellow:    #F59E0B;
  --teal:      #14B8A6;
  --green:     #10b981;
  --text:      #0f172a;
  --text-muted:#64748b;
  --bg:        #f8fafc;
  --border:    #e2e8f0;
}

/* ── BASE ── */
body {
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Display",
    "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
  padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 17px; font-weight: 800; color: var(--text);
  text-decoration: none;
}

.nav-logo .icon {
  width: 36px; height: 36px; border-radius: 10px;
  background: linear-gradient(135deg, var(--blue), var(--purple));
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
}

.nav-links {
  display: flex; align-items: center; gap: 24px;
}

.nav-links a {
  font-size: 14px; font-weight: 600; color: var(--text-muted);
  text-decoration: none;
  transition: color .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--text); }

.btn-nav {
  background: var(--blue); color: #fff !important;
  padding: 9px 20px; border-radius: 50px;
  font-size: 14px; font-weight: 700 !important;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}
.btn-nav:hover { opacity: .88; transform: translateY(-1px); }

@media (max-width: 600px) {
  .nav-hide { display: none; }
  nav { padding: 0 16px; }
}

/* ── SECTION LABEL ── */
.section-label {
  display: block;
  font-size: 13px; font-weight: 700;
  color: var(--blue);
  text-transform: uppercase; letter-spacing: 1.5px;
  margin-bottom: 10px;
}

/* ── FAQ ── */
.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-q {
  padding: 20px 0; cursor: pointer;
  font-size: 16px; font-weight: 700; color: var(--text);
  display: flex; justify-content: space-between; align-items: center;
  user-select: none;
  transition: color .2s;
}
.faq-q:hover { color: var(--blue); }

.faq-q .arrow {
  font-size: 12px; color: var(--text-muted);
  transition: transform .25s;
  flex-shrink: 0; margin-left: 12px;
}
.faq-q.open .arrow { transform: rotate(180deg); }
.faq-q.open { color: var(--blue); }

.faq-a {
  display: none; padding: 0 0 20px;
  font-size: 15px; color: var(--text-muted); line-height: 1.7;
}
.faq-a.open { display: block; }

/* ── PAGE HEADER (interior pages) ── */
.page-header {
  background: linear-gradient(160deg, #0f172a 0%, #1e3a8a 60%, #312e81 100%);
  padding: 80px 24px 72px;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 0%, rgba(59,123,248,.3) 0%, transparent 70%);
}
.page-header > * { position: relative; z-index: 1; }
.page-header h1 {
  font-size: clamp(32px, 5vw, 52px);
  font-weight: 900; letter-spacing: -1px;
  margin-bottom: 14px;
}
.page-header p {
  font-size: 17px; color: #94a3b8;
  max-width: 480px; margin: 0 auto;
  line-height: 1.7;
}

/* ── CONTENT WRAPPER ── */
.content {
  max-width: 800px; margin: 0 auto;
  padding: 60px 24px 80px;
}

/* ── CARD ── */
.card {
  background: #fff; border-radius: 24px;
  border: 1px solid var(--border);
  padding: 48px 44px;
  box-shadow: 0 4px 28px rgba(0,0,0,.05);
}
@media (max-width: 600px) {
  .card { padding: 28px 22px; }
}

/* ── PROSE ── */
.prose h2 {
  font-size: 26px; font-weight: 900; margin-bottom: 6px;
  letter-spacing: -.5px; color: var(--text);
}
.prose h3 {
  font-size: 17px; font-weight: 800;
  margin: 30px 0 8px; color: var(--text);
}
.prose p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.75; margin-bottom: 14px;
}
.prose ul {
  padding-left: 22px; margin-bottom: 16px;
  display: flex; flex-direction: column; gap: 6px;
}
.prose ul li {
  font-size: 15px; color: var(--text-muted); line-height: 1.65;
}
.prose a { color: var(--blue); text-decoration: underline; }
.prose a:hover { opacity: .8; }
.prose strong { color: var(--text); font-weight: 700; }

/* ── UPDATED BADGE ── */
.updated {
  display: inline-block;
  background: var(--bg);
  border: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 12px; font-weight: 600;
  padding: 4px 14px; border-radius: 20px;
  margin-bottom: 26px;
}

/* ── FOOTER ── */
footer {
  background: #0f172a; color: #94a3b8;
  padding: 48px 24px;
}
.footer-inner { max-width: 1080px; margin: 0 auto; }

.footer-top {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 20px;
  margin-bottom: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 16px; font-weight: 800; color: #fff;
}
.footer-logo .icon {
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, var(--blue), var(--purple));
  display: flex; align-items: center; justify-content: center;
  font-size: 16px;
}

.footer-links {
  display: flex; flex-wrap: wrap; gap: 20px;
}
.footer-links a {
  font-size: 14px; color: #94a3b8;
  text-decoration: none;
  transition: color .2s;
}
.footer-links a:hover { color: #fff; }

.footer-bottom p { font-size: 13px; }

@media (max-width: 640px) {
  .footer-top { flex-direction: column; align-items: flex-start; }
}