/* ── Inner Pages Shared Styles ── */

/* Page Hero */
.page-hero {
  position: relative;
  padding: 160px 0 80px;
  overflow: hidden;
  min-height: 320px;
  background:
    linear-gradient(135deg, rgba(10, 45, 25, .95) 0%, rgba(18, 71, 38, .82) 50%, rgba(27, 107, 58, .72) 100%),
    url('../images/page-hero-bg.jpg') center/cover no-repeat !important;
}

.page-hero-pattern {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
}

.page-hero-pattern::before,
.page-hero-pattern::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  animation: floatBlobs 20s infinite alternate ease-in-out;
}

.page-hero-pattern::before {
  width: 400px;
  height: 400px;
  background: rgba(212, 160, 23, .12);
  top: -10%;
  left: -5%;
}

.page-hero-pattern::after {
  width: 450px;
  height: 450px;
  background: rgba(255, 255, 255, .08);
  bottom: -20%;
  right: -10%;
  animation-delay: -10s;
}

.page-hero-content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.page-hero h1 {
  margin-top: 12px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .88rem;
  color: rgba(255, 255, 255, .6);
}

.breadcrumb a {
  color: var(--gold-light);
  transition: color .2s;
}

.breadcrumb a:hover {
  color: var(--white);
}

/* About Overview */
.about-overview-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: start;
}

.ao-card-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  align-content: start;
}

.ao-info-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--off-white);
  padding: 26px 22px;
  border-radius: var(--radius-md);
  border-left: 5px solid var(--green-primary);
  transition: all 0.4s ease;
  min-height: 100px;
  box-shadow: 0 4px 15px rgba(0, 0, 0, .02);
}

.ao-info-card:hover {
  background: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(0, 0, 0, .06);
  z-index: 2;
  position: relative;
}

.ao-info-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
  color: var(--green-primary);
  margin-top: 3px;
}

.ao-info-card h4 {
  font-size: .95rem;
  font-weight: 700;
  color: var(--green-primary);
  margin-bottom: 6px;
}

.ao-info-card p {
  font-size: .88rem;
  color: var(--text-medium);
  line-height: 1.5;
}

/* Vision / Mission */
.vm-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.vm-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
  border-top: 6px solid var(--green-primary);
  transition: var(--transition);
}

.vm-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.mission-card {
  border-top-color: var(--gold-accent);
}

.vm-icon {
  width: 72px;
  height: 72px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--green-primary), var(--green-light));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--white);
}

.vm-divider {
  width: 48px;
  height: 4px;
  background: var(--green-primary);
  border-radius: 2px;
  margin: 16px 0 24px;
}

.vm-list {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.vm-list li {
  padding-left: 20px;
  position: relative;
  font-size: .95rem;
  color: var(--text-medium);
}

.vm-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green-primary);
  font-weight: 700;
}

/* Story */
.story-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

/* Objectives */
.obj-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.obj-item {
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .12);
  padding: 32px 24px;
  border-radius: var(--radius-md);
  text-align: center;
  transition: var(--transition);
}

.obj-item:hover {
  background: rgba(255, 255, 255, .14);
  transform: translateY(-4px);
}

.obj-icon {
  font-size: 1.6rem;
  margin-bottom: 16px;
  color: rgba(255, 255, 255, .9);
}

.obj-item h4 {
  color: var(--white);
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-body);
}

/* Values */
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.value-card {
  padding: 36px 28px;
  text-align: center;
}

.value-icon {
  font-size: 1.6rem;
  margin-bottom: 16px;
}

.value-card h3 {
  margin-bottom: 12px;
  font-size: 1.15rem;
}

/* States */
.states-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.state-card {
  background: var(--white);
  border: 2px solid var(--border-light);
  padding: 36px 24px;
  border-radius: var(--radius-md);
  text-align: center;
  transition: var(--transition);
}

.state-card:hover {
  border-color: var(--green-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-6px);
}

.state-flag {
  font-size: 1.8rem;
  margin-bottom: 16px;
}

.state-card h3 {
  margin-bottom: 12px;
  color: var(--green-primary);
}

.state-card p {
  font-size: .9rem;
}

/* Services Page */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  border: 1px solid var(--border-light);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--green-primary);
}

.service-card-header {
  padding: 32px 28px 24px;
  background: linear-gradient(135deg, var(--bg-section), var(--off-white));
}

.service-card-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.service-card-header h3 {
  margin-bottom: 8px;
}

.service-card-header .badge {
  margin-top: 8px;
}

.service-card-body {
  padding: 24px 28px 28px;
}

.service-card-body p {
  font-size: .95rem;
}

.service-card-body ul {
  margin-top: 16px;
}

.service-card-body ul li {
  padding: 6px 0;
  padding-left: 18px;
  position: relative;
  font-size: .9rem;
  color: var(--text-medium);
  border-bottom: 1px solid var(--border-light);
}

.service-card-body ul li:last-child {
  border-bottom: none;
}

.service-card-body ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--gold-accent);
  font-weight: 700;
}

/* Projects Page */
.projects-section {
  padding: 90px 0;
}

.projects-intro {
  margin-bottom: 64px;
}

.project-full-card {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  margin-bottom: 40px;
  transition: var(--transition);
}

.project-full-card:hover {
  box-shadow: var(--shadow-lg);
}

.project-full-card.reverse {
  grid-template-columns: 1.4fr 1fr;
}

.project-full-card.reverse .pfc-visual {
  order: 2;
}

.pfc-visual {
  padding: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  background: linear-gradient(135deg, var(--bg-section), var(--off-white));
  min-height: 280px;
}

.pfc-icon {
  font-size: 1.4rem;
  margin-bottom: 10px;
}

.pfc-tag {
  background: var(--green-primary);
  color: var(--white);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: .8rem;
  font-weight: 600;
}

.pfc-body {
  padding: 40px 40px 40px 0;
}

.project-full-card.reverse .pfc-body {
  padding: 40px 0 40px 40px;
}

.pfc-body h3 {
  margin-bottom: 12px;
}

.pfc-body p {
  margin-bottom: 16px;
  font-size: .95rem;
}

.pfc-features {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

.pfc-feature {
  background: var(--bg-section);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: .82rem;
  font-weight: 500;
  color: var(--green-dark);
}

/* Mini project cards */
.mini-projects-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.mini-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 2px solid var(--border-light);
  transition: var(--transition);
  text-align: center;
}

.mini-card:hover {
  border-color: var(--green-primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.mini-card-icon {
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.mini-card h4 {
  margin-bottom: 8px;
  font-size: 1rem;
}

/* Partnerships Page */
.partner-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  margin-bottom: 40px;
  border: 1px solid var(--border-light);
  transition: var(--transition);
}

.partner-card:hover {
  box-shadow: var(--shadow-lg);
}

.partner-card-header {
  background: linear-gradient(135deg, var(--green-primary), var(--green-dark));
  padding: 32px 40px;
  display: flex;
  align-items: center;
  gap: 24px;
}

.partner-card-header .pch-icon {
  width: 72px;
  height: 72px;
  background: rgba(255, 255, 255, .15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  flex-shrink: 0;
}

.partner-card-header h3 {
  color: var(--white);
  font-size: 1.5rem;
}

.partner-card-header p {
  color: rgba(255, 255, 255, .75);
  margin-top: 4px;
  font-size: .9rem;
}

.partner-card-body {
  padding: 32px 40px;
}

.partner-card-body h4 {
  margin-bottom: 16px;
  color: var(--green-primary);
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 24px;
}

.benefit-item {
  padding: 14px 18px;
  background: var(--bg-section);
  border-radius: var(--radius-sm);
  font-size: .9rem;
  color: var(--text-medium);
  border-left: 3px solid var(--green-primary);
}

/* Opportunities */
.opportunities-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.opp-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 2px solid var(--border-light);
  transition: var(--transition);
  text-align: center;
}

.opp-card:hover {
  border-color: var(--gold-accent);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.opp-icon {
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.opp-card h4 {
  margin-bottom: 10px;
  font-size: 1.05rem;
}

/* Contact Page */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
}

.contact-info-card {
  background: var(--green-primary);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: var(--white);
}

.contact-info-card h3 {
  color: var(--white);
  margin-bottom: 8px;
}

.contact-info-card>p {
  color: rgba(255, 255, 255, .8);
  margin-bottom: 36px;
}

.ci-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, .15);
}

.ci-item:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.ci-icon {
  width: 48px;
  height: 48px;
  background: rgba(255, 255, 255, .1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.ci-text strong {
  display: block;
  margin-bottom: 4px;
  font-weight: 600;
}

.ci-text a {
  color: rgba(255, 255, 255, .8);
  transition: color .2s;
}

.ci-text a:hover {
  color: var(--gold-light);
}

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
}

.map-wrap {
  margin-top: 48px;
  border-radius: var(--radius-md);
  overflow: hidden;
  height: 320px;
}

.map-wrap iframe {
  width: 100%;
  height: 100%;
  border: none;
  filter: contrast(1.1) saturate(0.8);
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .about-overview-grid {
    grid-template-columns: 1fr;
  }

  .story-layout {
    grid-template-columns: 1fr;
  }

  .vm-grid {
    grid-template-columns: 1fr;
  }

  .states-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .obj-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .mini-projects-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .opportunities-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .project-full-card {
    grid-template-columns: 1fr;
  }

  .project-full-card.reverse {
    grid-template-columns: 1fr;
  }

  .project-full-card.reverse .pfc-visual {
    order: -1;
  }

  .pfc-body,
  .project-full-card.reverse .pfc-body {
    padding: 32px;
  }

  .benefit-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .page-hero {
    padding: 120px 0 60px;
  }

  .ao-card-wrap {
    grid-template-columns: 1fr;
  }

  .states-grid {
    grid-template-columns: 1fr 1fr;
  }

  .values-grid {
    grid-template-columns: 1fr;
  }

  .obj-grid {
    grid-template-columns: 1fr 1fr;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .mini-projects-grid {
    grid-template-columns: 1fr;
  }

  .opportunities-grid {
    grid-template-columns: 1fr;
  }

  .partner-card-header {
    flex-direction: column;
  }

  .partner-card-body,
  .partner-card-header {
    padding: 24px;
  }

  .contact-info-card,
  .contact-form-wrap {
    padding: 32px 24px;
  }
}

@media (max-width: 480px) {
  .states-grid {
    grid-template-columns: 1fr;
  }

  .obj-grid {
    grid-template-columns: 1fr;
  }
}

/* ═══════════════════════════════════════════════════════
   Projects Page — All Projects Portfolio Grid
═══════════════════════════════════════════════════════ */
.pp-all-projects {
  background: linear-gradient(180deg, #f7fbf8 0%, #fff 100%);
  position: relative;
}

.pp-all-projects::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 400px;
  background: radial-gradient(ellipse, rgba(27, 107, 58, .05) 0%, transparent 70%);
  pointer-events: none;
}

.pp-heading {
  max-width: 620px;
  margin-left: auto;
  margin-right: auto;
}

/* ── Grid ── */
.pp-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 52px;
  position: relative;
  z-index: 1;
}

/* ── Card ── */
.pp-card {
  background: var(--white, #fff);
  border-radius: 18px;
  border: 1.5px solid rgba(27, 107, 58, .08);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform .3s cubic-bezier(.34, 1.56, .64, 1),
    box-shadow .3s ease,
    border-color .3s ease;
  /* scroll popup initial state */
  opacity: 0;
  transform: translateY(40px) scale(0.95);
}

.pp-card.proj-visible {
  animation: proj-popup 0.6s cubic-bezier(.34, 1.56, .64, 1) forwards;
}

.pp-card:hover {
  transform: translateY(-8px) scale(1.01);
  box-shadow: 0 18px 44px rgba(27, 107, 58, .12);
  border-color: var(--pp-color, #1B6B3A);
}

/* Coloured header band */
.pp-card-top {
  background: var(--pp-bg, rgba(27, 107, 58, .10));
  padding: 28px 26px 20px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 14px;
  border-bottom: 1px solid rgba(27, 107, 58, .06);
  position: relative;
}

.pp-card-top::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--pp-color, #1B6B3A), transparent);
}

/* Icon */
.pp-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: rgba(255, 255, 255, .7);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  color: var(--pp-color, #1B6B3A);
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, .08);
  transition: transform .3s ease;
}

.pp-card:hover .pp-icon {
  transform: scale(1.12) rotate(-5deg);
}

/* Category tag */
.pp-tag {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--pp-color, #1B6B3A);
  background: rgba(255, 255, 255, .65);
  border-radius: 100px;
  padding: 5px 14px;
  align-self: flex-start;
  white-space: nowrap;
}

/* Body */
.pp-card-body {
  padding: 24px 26px 26px;
  flex: 1;
}

.pp-card-body h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--text-dark, #1a1a1a);
  margin-bottom: 10px;
  line-height: 1.3;
}

.pp-card-body p {
  font-size: .93rem;
  color: var(--text-medium, #666);
  line-height: 1.75;
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .pp-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .pp-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .pp-card-top {
    padding: 20px 18px 16px;
  }

  .pp-card-body {
    padding: 18px 18px 20px;
  }

  .pp-icon {
    width: 52px;
    height: 52px;
    font-size: 1.4rem;
  }
}



/* ── Loan Forms Section ── */
.loan-forms-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 56px;
}

.loan-card {
  background: var(--white);
  border-radius: 20px;
  padding: 40px 36px;
  box-shadow: 0 4px 24px rgba(27, 107, 58, .08);
  border: 1.5px solid rgba(27, 107, 58, .1);
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}

.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--green-primary), var(--green-light, #4ade80));
  border-radius: 20px 20px 0 0;
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 48px rgba(27, 107, 58, .18);
  border-color: rgba(27, 107, 58, .3);
}

/* Gold variant top bar */
.loan-card:has(.loan-card-icon--gold)::before {
  background: linear-gradient(90deg, var(--gold-accent, #D4A017), var(--gold-light, #F5C842));
}

.loan-card:has(.loan-card-icon--gold) {
  border-color: rgba(212, 160, 23, .15);
  box-shadow: 0 4px 24px rgba(212, 160, 23, .08);
}

.loan-card:has(.loan-card-icon--gold):hover {
  box-shadow: 0 20px 48px rgba(212, 160, 23, .18);
  border-color: rgba(212, 160, 23, .35);
}

/* Icon */
.loan-card-icon-wrap {
  margin-bottom: 20px;
}

.loan-card-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(27, 107, 58, .12), rgba(27, 107, 58, .06));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  color: var(--green-primary);
  box-shadow: 0 4px 12px rgba(27, 107, 58, .12);
  transition: transform .3s ease;
}

.loan-card:hover .loan-card-icon {
  transform: scale(1.08) rotate(-4deg);
}

.loan-card-icon--gold {
  background: linear-gradient(135deg, rgba(212, 160, 23, .15), rgba(212, 160, 23, .06));
  color: var(--gold-accent, #D4A017);
  box-shadow: 0 4px 12px rgba(212, 160, 23, .15);
}

/* Sub-badge */
.loan-card-badge {
  display: inline-flex;
  align-items: center;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--green-primary);
  background: rgba(27, 107, 58, .08);
  border-radius: 100px;
  padding: 4px 12px;
  margin-bottom: 14px;
  width: fit-content;
}

.loan-card-badge--gold {
  color: var(--gold-accent, #D4A017);
  background: rgba(212, 160, 23, .1);
}

/* Title */
.loan-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.4;
  margin-bottom: 14px;
}

/* Description */
.loan-card-desc {
  font-size: .93rem;
  color: var(--text-medium);
  line-height: 1.75;
  margin-bottom: 22px;
}

/* Features list */
.loan-card-features {
  list-style: none;
  padding: 0;
  margin: 0 0 32px 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.loan-card-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .9rem;
  color: var(--text-medium);
}

.loan-card-features li i {
  color: var(--green-primary);
  font-size: .95rem;
  flex-shrink: 0;
}

.loan-card:has(.loan-card-icon--gold) .loan-card-features li i {
  color: var(--gold-accent, #D4A017);
}

/* Download button */
.btn-download {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--green-primary), var(--green-light, #1d8a4e));
  color: var(--white);
  font-size: .97rem;
  font-weight: 700;
  text-decoration: none;
  margin-top: auto;
  border: none;
  cursor: pointer;
  transition: transform .25s ease, box-shadow .25s ease, filter .25s ease;
  box-shadow: 0 6px 20px rgba(27, 107, 58, .3);
  position: relative;
  overflow: hidden;
}

.btn-download::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255, 255, 255, 0);
  transition: background .25s ease;
}

.btn-download:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(27, 107, 58, .4);
  filter: brightness(1.06);
}

.btn-download:active {
  transform: translateY(0);
}

.loan-btn-arrow {
  margin-left: auto;
  transition: transform .3s ease;
}

.btn-download:hover .loan-btn-arrow {
  transform: translateY(3px);
}

/* Gold download button */
.btn-download--gold {
  background: linear-gradient(135deg, var(--gold-accent, #D4A017), #e8b520);
  color: #3a2900;
  box-shadow: 0 6px 20px rgba(212, 160, 23, .3);
}

.btn-download--gold:hover {
  box-shadow: 0 10px 28px rgba(212, 160, 23, .45);
}

/* Responsive */
@media (max-width: 768px) {
  .loan-forms-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .loan-card {
    padding: 32px 24px;
  }
}