/* =====================================================================
   Elevate Business Funding — 2026 Redesign
   Logo-aligned palette: deep navy + bright blue accent
   ===================================================================== */

:root {
    --ebf-navy: #014576;
    --ebf-navy-dark: #042D53;
    --ebf-navy-darker: #021F3D;
    --ebf-blue: #249CF2;
    --ebf-blue-bright: #069AF3;
    --ebf-blue-light: #EAF5FD;
    --ebf-surface: #F5F9FD;
    --ebf-surface-2: #EEF4FA;
    --ebf-border: #DCE6F0;
    --ebf-ink: #0A2540;
    --ebf-body: #475569;
    --ebf-muted: #64748B;
    --ebf-white: #ffffff;
    --ebf-success: #10B981;
    --ebf-gradient: linear-gradient(135deg, #014576 0%, #042D53 55%, #021F3D 100%);
    --ebf-gradient-bright: linear-gradient(135deg, #249CF2 0%, #069AF3 60%, #014576 120%);
    --ebf-shadow-sm: 0 1px 2px rgba(2, 31, 61, 0.06), 0 1px 3px rgba(2, 31, 61, 0.05);
    --ebf-shadow: 0 8px 24px rgba(2, 31, 61, 0.08), 0 2px 4px rgba(2, 31, 61, 0.04);
    --ebf-shadow-lg: 0 24px 48px rgba(2, 31, 61, 0.14), 0 8px 16px rgba(2, 31, 61, 0.06);
    --ebf-radius: 14px;
    --ebf-radius-lg: 22px;
    --ebf-font: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

/* ------------------------------------------------------------------
   Global reset / base
   ------------------------------------------------------------------ */
html { scroll-behavior: smooth; }
body {
    font-family: var(--ebf-font) !important;
    color: var(--ebf-body) !important;
    background: var(--ebf-white) !important;
    font-size: 16px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

*, *::before, *::after { box-sizing: border-box; }

img { max-width: 100%; height: auto; }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--ebf-font) !important;
    color: var(--ebf-ink) !important;
    font-weight: 700 !important;
    line-height: 1.2;
    letter-spacing: -0.015em;
    margin-top: 0;
}

h1 { font-size: clamp(2rem, 4.5vw, 3.4rem) !important; font-weight: 800 !important; }
h2 { font-size: clamp(1.65rem, 3.2vw, 2.5rem) !important; }
h3 { font-size: clamp(1.3rem, 2.2vw, 1.7rem) !important; }
h4 { font-size: clamp(1.1rem, 1.6vw, 1.3rem) !important; font-weight: 600 !important; }
h5 { font-size: 1.1rem !important; font-weight: 600 !important; }

p { color: var(--ebf-body); margin-bottom: 1rem; }

a { color: var(--ebf-blue-bright); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--ebf-navy); text-decoration: none; }

ul { padding-left: 1.25rem; }
ul li { margin-bottom: .5rem; }

/* ------------------------------------------------------------------
   Layout containers + spacing utilities
   ------------------------------------------------------------------ */
.container, .wide-container {
    max-width: 1200px !important;
    margin-left: auto !important;
    margin-right: auto !important;
    padding-left: 20px;
    padding-right: 20px;
}
.wide-container { max-width: 1320px !important; }

section { position: relative; }
section.p-tb-150 { padding: 90px 0 !important; }
section.p-tb-100 { padding: 70px 0 !important; }
section.p-tb-80 { padding: 60px 0 !important; }
section.m-tb-100 { padding: 70px 0 !important; margin: 0 !important; }
section.m-tb-20 { padding: 40px 0 !important; margin: 0 !important; }
section.p-t-78 { padding-top: 0 !important; }
.light-bg { background: var(--ebf-surface) !important; }

@media (max-width: 767px) {
    section.p-tb-150, section.p-tb-100, section.m-tb-100 { padding: 50px 0 !important; }
}

/* ------------------------------------------------------------------
   Buttons
   ------------------------------------------------------------------ */
.btn {
    font-family: var(--ebf-font) !important;
    font-weight: 600 !important;
    letter-spacing: .01em;
    border-radius: 10px !important;
    padding: 13px 26px !important;
    border: none !important;
    transition: transform .15s ease, box-shadow .2s ease, background .2s ease !important;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    line-height: 1.2 !important;
    text-decoration: none !important;
}
.btn:focus { outline: 3px solid rgba(36, 156, 242, .35); outline-offset: 2px; }

.btn-primary, a.btn-primary {
    background: var(--ebf-gradient-bright) !important;
    color: #fff !important;
    box-shadow: 0 10px 22px rgba(36, 156, 242, .28), 0 2px 4px rgba(1, 69, 118, .18);
}
.btn-primary:hover, a.btn-primary:hover {
    background: linear-gradient(135deg, #069AF3 0%, #014576 100%) !important;
    color: #fff !important;
    transform: translateY(-2px);
    box-shadow: 0 16px 30px rgba(1, 69, 118, .35);
}

.btn-outline-white {
    background: transparent !important;
    color: #fff !important;
    border: 2px solid rgba(255,255,255,.75) !important;
    padding: 11px 24px !important;
}
.btn-outline-white:hover { background: #fff !important; color: var(--ebf-navy) !important; }

.btn-lg { padding: 16px 32px !important; font-size: 1.05rem !important; }
.btn-sm { padding: 9px 18px !important; font-size: .9rem !important; }

.btn-link, a.btn-link {
    background: transparent !important;
    color: var(--ebf-blue-bright) !important;
    font-weight: 600;
    padding: 12px 8px !important;
    box-shadow: none !important;
    text-decoration: none !important;
}
.btn-link:hover { color: var(--ebf-navy) !important; }

/* ------------------------------------------------------------------
   Navbar
   ------------------------------------------------------------------ */
.navbar.fixed-top {
    background: rgba(255,255,255,.98) !important;
    backdrop-filter: saturate(180%) blur(12px);
    -webkit-backdrop-filter: saturate(180%) blur(12px);
    box-shadow: 0 1px 0 rgba(2, 31, 61, .05), 0 4px 20px rgba(2, 31, 61, .04);
    padding: 14px 0 !important;
    z-index: 1030;
}

.navbar .container { display: flex; align-items: center; justify-content: space-between; }

.navbar-brand { padding: 0 !important; margin-right: 0 !important; }
.navbar-brand img {
    width: 220px !important;
    max-width: 60vw;
    height: auto;
    display: block;
}

.navbar-nav { align-items: center; gap: 4px; }

.nav-item, .navbar-nav .nav-link, .navbar-nav > a.nav-link {
    color: var(--ebf-ink) !important;
    font-weight: 500 !important;
    font-size: .97rem !important;
    padding: 10px 14px !important;
    border-radius: 8px;
    transition: color .15s, background .15s;
    position: relative;
}
.navbar-nav .nav-link:hover, .navbar-nav > a.nav-link:hover {
    color: var(--ebf-blue-bright) !important;
    background: var(--ebf-blue-light);
}

.navbar-nav .nav-link.color-dark { color: var(--ebf-ink) !important; }

/* Phone link */
.navbar-nav a[href^="tel:"] {
    color: var(--ebf-navy) !important;
    font-weight: 600 !important;
}
.navbar-nav a[href^="tel:"]::before {
    content: "\f095";
    font-family: "Font Awesome 5 Free", "FontAwesome";
    font-weight: 900;
    color: var(--ebf-blue-bright);
    margin-right: 6px;
}

/* Dropdown */
.navbar-nav li.nav-link {
    position: relative;
    padding: 0 !important;
    background: transparent !important;
    list-style: none;
}
.navbar-nav li.nav-link > a {
    color: var(--ebf-ink) !important;
    font-weight: 500 !important;
    font-size: .97rem !important;
    padding: 10px 14px !important;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: color .15s, background .15s;
}
.navbar-nav li.nav-link > a:hover { color: var(--ebf-blue-bright) !important; background: var(--ebf-blue-light); }
.navbar-nav li.nav-link .fa-caret-down { font-size: .75rem; opacity: .7; }

.navbar-nav li.nav-link .dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 280px;
    background: #fff;
    border-radius: 14px;
    box-shadow: var(--ebf-shadow-lg);
    padding: 12px;
    margin-top: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-6px);
    transition: opacity .2s, transform .2s, visibility .2s;
    z-index: 50;
    border: 1px solid var(--ebf-border);
}
/* Invisible bridge so the cursor can cross the gap without closing */
.navbar-nav li.nav-link .dropdown::before {
    content: "";
    position: absolute;
    top: -12px;
    left: 0;
    right: 0;
    height: 12px;
    background: transparent;
}
.navbar-nav li.nav-link:hover .dropdown,
.navbar-nav li.nav-link:focus-within .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.navbar-nav li.nav-link .dropdown ul { list-style: none; padding: 0; margin: 0; }
.navbar-nav li.nav-link .dropdown-link a {
    display: block;
    padding: 10px 14px;
    color: var(--ebf-ink) !important;
    border-radius: 8px;
    font-weight: 500;
    font-size: .95rem;
    transition: background .15s, color .15s;
}
.navbar-nav li.nav-link .dropdown-link a:hover {
    background: var(--ebf-blue-light);
    color: var(--ebf-blue-bright) !important;
}

/* Hamburger */
.navbar-toggler {
    background: var(--ebf-navy) !important;
    border: none !important;
    border-radius: 8px !important;
    padding: 8px 12px !important;
}
.navbar-toggler:focus { outline: 3px solid rgba(36, 156, 242, .35); }
.navbar-toggler .navbar-toggler-icon {
    background-image: url("data:image/svg+xml;charset=utf8,%3Csvg viewBox='0 0 30 30' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath stroke='rgba(255,255,255,1)' stroke-width='2.5' stroke-linecap='round' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E");
}

@media (max-width: 991.98px) {
    .navbar-collapse {
        position: fixed !important;
        top: 72px;
        left: 0;
        right: 0;
        max-height: calc(100vh - 72px);
        overflow-y: auto;
        background: #fff;
        border-top: 1px solid var(--ebf-border);
        box-shadow: 0 20px 40px rgba(2, 31, 61, .12);
        padding: 14px 20px 22px !important;
        display: none !important;
    }
    .navbar-collapse.show {
        display: block !important;
    }
    .navbar-collapse .navbar-nav { flex-direction: column; align-items: stretch; gap: 0; margin-left: 0 !important; }
    .navbar-nav .nav-link, .navbar-nav > a.nav-link,
    .navbar-nav li.nav-link > a {
        padding: 14px 10px !important;
        border-radius: 10px;
        width: 100%;
    }
    .navbar-nav li.nav-link { width: 100%; }
    .navbar-nav li.nav-link .dropdown {
        position: static !important;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        background: var(--ebf-surface);
        margin-top: 4px;
        padding: 6px;
    }
    .navbar-nav a.btn-primary {
        width: 100%;
        justify-content: center;
        margin-top: 10px !important;
        padding: 14px 24px !important;
    }
}

/* ------------------------------------------------------------------
   Hero sections
   ------------------------------------------------------------------ */
/* Homepage hero (two-column with form) */
.ebf-hero {
    position: relative;
    padding: 180px 0 80px;
    background: var(--ebf-gradient);
    color: #fff;
    overflow: hidden;
}
.ebf-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(1000px 500px at 85% -10%, rgba(36, 156, 242, .35), transparent 55%),
        radial-gradient(700px 400px at 10% 110%, rgba(36, 156, 242, .22), transparent 60%);
    pointer-events: none;
}
.ebf-hero::after {
    content: "";
    position: absolute;
    inset: 0;
    background: url("../img/bg-mountain.jpg") center/cover;
    opacity: .05;
    mix-blend-mode: screen;
    pointer-events: none;
}
.ebf-hero .container { position: relative; z-index: 2; }

.ebf-hero h1, .ebf-hero h2, .ebf-hero h3 { color: #fff !important; }
.ebf-hero p { color: rgba(255,255,255,.9); }

.ebf-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    border-radius: 100px;
    background: rgba(255, 255, 255, .12);
    backdrop-filter: blur(8px);
    color: #fff;
    font-weight: 600;
    font-size: .85rem;
    letter-spacing: .02em;
    text-transform: uppercase;
    border: 1px solid rgba(255,255,255,.2);
    margin-bottom: 18px;
}
.ebf-hero-eyebrow i { color: var(--ebf-blue); }

.ebf-hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.6rem) !important;
    font-weight: 800 !important;
    margin-bottom: 18px !important;
}
.ebf-hero .lead {
    font-size: 1.15rem;
    max-width: 540px;
    color: rgba(255,255,255,.92);
    margin-bottom: 28px;
}

.ebf-hero-ctas {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 14px;
    margin-bottom: 30px;
}

.ebf-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 22px;
    margin-top: 26px;
    color: rgba(255,255,255,.85);
    font-size: .92rem;
}
.ebf-hero-trust > div { display: inline-flex; align-items: center; gap: 8px; }
.ebf-hero-trust i { color: var(--ebf-blue); }

.ebf-form-card {
    background: #fff;
    border-radius: var(--ebf-radius-lg);
    box-shadow: var(--ebf-shadow-lg);
    overflow: hidden;
    position: relative;
}
.ebf-form-card::before {
    content: "";
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 5px;
    background: var(--ebf-gradient-bright);
}
.ebf-form-card iframe {
    display: block;
    width: 100%;
    border: 0;
    background: #fff;
}

/* Simple hero variant (titles only, e.g. about, how-it-works) */
.ebf-hero-simple {
    position: relative;
    padding: 170px 0 70px;
    background: var(--ebf-gradient);
    color: #fff;
    overflow: hidden;
    text-align: center;
}
.ebf-hero-simple::before {
    content: "";
    position: absolute; inset: 0;
    background: radial-gradient(900px 400px at 50% 0%, rgba(36, 156, 242, .32), transparent 60%);
}
.ebf-hero-simple h1 { color: #fff !important; margin-bottom: 14px !important; }
.ebf-hero-simple p { color: rgba(255,255,255,.9); max-width: 700px; margin: 0 auto; font-size: 1.1rem; }
.ebf-hero-simple .container { position: relative; z-index: 2; }
.ebf-hero-simple .ebf-breadcrumb {
    display: inline-flex;
    gap: 6px;
    color: rgba(255,255,255,.75);
    font-size: .9rem;
    margin-bottom: 12px;
}
.ebf-hero-simple .ebf-breadcrumb a { color: rgba(255,255,255,.85); }
.ebf-hero-simple .ebf-breadcrumb a:hover { color: #fff; }

/* Product hero (funding pages) */
.ebf-product-hero {
    position: relative;
    padding: 180px 0 80px;
    background: var(--ebf-gradient);
    color: #fff;
    overflow: hidden;
}
.ebf-product-hero::before {
    content: "";
    position: absolute; inset: 0;
    background:
        radial-gradient(1000px 500px at 85% 0%, rgba(36, 156, 242, .30), transparent 55%),
        radial-gradient(600px 400px at 0% 100%, rgba(6, 154, 243, .18), transparent 60%);
}
.ebf-product-hero::after {
    content: "";
    position: absolute; inset: 0;
    background: url("../img/bg-mountain.jpg") center/cover;
    opacity: .07;
    pointer-events: none;
}
.ebf-product-hero .container { position: relative; z-index: 2; }
.ebf-product-hero h1 { color: #fff !important; }
.ebf-product-hero p { color: rgba(255,255,255,.92); max-width: 600px; }

/* Product hero right-side visual */
.ebf-hero-visual {
    position: relative;
    border-radius: var(--ebf-radius-lg);
    overflow: hidden;
    aspect-ratio: 5 / 4;
    min-height: 360px;
    box-shadow: 0 30px 60px rgba(0,0,0,.25), 0 8px 20px rgba(0,0,0,.18);
    border: 1px solid rgba(255,255,255,.1);
}
.ebf-hero-visual-img {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.02);
}
.ebf-hero-visual::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(1,69,118,.1) 0%, rgba(1,69,118,.35) 55%, rgba(2,31,61,.85) 100%);
    pointer-events: none;
}
.ebf-hero-visual-card {
    position: absolute;
    left: 20px;
    right: 20px;
    bottom: 20px;
    background: rgba(255,255,255,.08);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255,255,255,.18);
    border-radius: 14px;
    padding: 18px 20px;
    color: #fff;
    z-index: 2;
}
.ebf-hero-visual-card .label {
    display: block;
    font-size: .72rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: rgba(255,255,255,.7);
    margin-bottom: 10px;
    font-weight: 600;
}
.ebf-hero-visual-card ul {
    list-style: none;
    margin: 0;
    padding: 0;
}
.ebf-hero-visual-card li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 6px 0;
    font-size: .95rem;
    color: rgba(255,255,255,.95);
    font-weight: 500;
    margin: 0;
}
.ebf-hero-visual-card li i {
    color: var(--ebf-blue);
    font-size: .9rem;
    width: 18px;
    text-align: center;
    flex-shrink: 0;
}

@media (max-width: 767.98px) {
    .ebf-hero-visual { aspect-ratio: 5 / 4; max-height: 320px; margin-top: 32px; }
    .ebf-hero-visual-card { left: 14px; right: 14px; bottom: 14px; padding: 14px 16px; }
    .ebf-hero-visual-card li { font-size: .88rem; padding: 4px 0; }
}

/* ------------------------------------------------------------------
   Perk / highlight mini strips
   ------------------------------------------------------------------ */
.perk_component {
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    padding: 28px 24px;
    text-align: center;
    height: 100%;
    transition: transform .2s, box-shadow .2s, border-color .2s;
}
.perk_component:hover {
    transform: translateY(-4px);
    box-shadow: var(--ebf-shadow);
    border-color: rgba(36, 156, 242, .4);
}
.perks-image-wrapper {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--ebf-blue-light);
    margin-bottom: 18px;
}
.perks-image-wrapper img.icon-height-medium,
.perks-image-wrapper img.w-50px {
    width: 32px !important;
    height: 32px;
    max-width: none !important;
    object-fit: contain;
    filter: brightness(0) saturate(100%) invert(52%) sepia(85%) saturate(2230%) hue-rotate(184deg) brightness(99%) contrast(94%);
}
.perk_heading h3 { margin-bottom: 10px !important; font-size: 1.15rem !important; }
.perk_heading .heading-style-h5 { color: var(--ebf-ink) !important; }
.perk_description p { margin-bottom: 0; color: var(--ebf-body); font-size: .95rem; }

/* Product stat strip (appears under product hero) */
section.mini-section {
    padding: 36px 0 !important;
    background: var(--ebf-white) !important;
    border-bottom: 1px solid var(--ebf-border);
}
section.mini-section .container > .row {
    background: linear-gradient(135deg, var(--ebf-navy), var(--ebf-navy-dark));
    border-radius: var(--ebf-radius-lg);
    padding: 28px 20px;
    margin: 0;
    box-shadow: var(--ebf-shadow);
    color: #fff;
}
section.mini-section .heading-style-h5 {
    color: #fff !important;
    font-weight: 700 !important;
    font-size: 1.45rem !important;
    margin-bottom: 6px !important;
}
section.mini-section p {
    color: rgba(255,255,255,.75) !important;
    font-size: .85rem !important;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: .06em;
    margin-bottom: 0 !important;
}

/* For about/how-it-works where mini-section is heavier */
.ebf-feature-strip {
    padding: 56px 0;
    background: var(--ebf-white);
}
.ebf-feature-strip .ebf-feature-card {
    text-align: center;
    padding: 24px 18px;
    border-radius: var(--ebf-radius);
    background: var(--ebf-surface);
    height: 100%;
    transition: transform .2s, box-shadow .2s;
}
.ebf-feature-strip .ebf-feature-card:hover { transform: translateY(-3px); box-shadow: var(--ebf-shadow); }
.ebf-feature-strip h3 { font-size: 1.1rem !important; color: var(--ebf-ink) !important; }

/* ------------------------------------------------------------------
   Section titles
   ------------------------------------------------------------------ */
.ts-title {
    margin-bottom: 22px;
}
.ts-title h2 {
    position: relative;
    padding-bottom: 18px;
    margin-bottom: 14px !important;
}
.ts-title h2::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    width: 56px;
    height: 4px;
    border-radius: 2px;
    background: var(--ebf-gradient-bright);
}
.text-center .ts-title h2::after,
.section-title.text-center h2::after { left: 50%; transform: translateX(-50%); }

.ebf-eyebrow {
    display: inline-block;
    color: var(--ebf-blue-bright);
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    font-size: .8rem;
    margin-bottom: 10px;
}

/* ------------------------------------------------------------------
   Content blocks — two column image+copy
   ------------------------------------------------------------------ */
.img-siz {
    border-radius: var(--ebf-radius-lg);
    min-height: 420px;
    width: 100%;
    box-shadow: var(--ebf-shadow);
    position: relative;
    overflow: hidden;
}
.img-siz::after {
    content: "";
    position: absolute; inset: 0;
    background: linear-gradient(180deg, transparent 60%, rgba(1, 69, 118, .18));
    pointer-events: none;
}
@media (max-width: 767px) {
    .img-siz { min-height: 280px; margin-bottom: 24px; }
}

/* Accordion-style list on homepage/apply */
.list-group-item {
    border: none !important;
    border-top: 1px solid var(--ebf-border) !important;
    background: transparent !important;
    padding: 16px 0 !important;
    color: var(--ebf-ink) !important;
    font-weight: 600 !important;
    position: relative;
    padding-right: 32px !important;
}
.list-group-item.border-top-0 { border-top: none !important; }
.list-group-item::after {
    content: "\f078";
    font-family: "Font Awesome 5 Free", "FontAwesome";
    font-weight: 900;
    position: absolute;
    right: 4px;
    top: 50%;
    transform: translateY(-50%);
    font-size: .8rem;
    color: var(--ebf-blue-bright);
    transition: transform .2s;
}
.list-group-item[aria-expanded="true"]::after { transform: translateY(-50%) rotate(180deg); }
.list-group-item:hover { color: var(--ebf-blue-bright) !important; }

/* ------------------------------------------------------------------
   How it works steps
   ------------------------------------------------------------------ */
#how-it-works { padding: 80px 0 !important; }
#how-it-works .ts-title { text-align: center; margin-bottom: 40px; }
#how-it-works .ts-title h2::after { left: 50%; transform: translateX(-50%); }

.ts-item { height: 100%; }
.ts-item-content.cuscard {
    background: #fff;
    border-radius: var(--ebf-radius);
    padding: 38px 26px 26px;
    height: 100%;
    border: 1px solid var(--ebf-border);
    transition: transform .2s, box-shadow .2s, border-color .2s;
    position: relative;
    overflow: visible;
}
.ts-item-content.cuscard::before {
    content: "";
    position: absolute;
    top: 0; left: 0;
    right: 0;
    height: 4px;
    border-top-left-radius: var(--ebf-radius);
    border-top-right-radius: var(--ebf-radius);
    background: var(--ebf-gradient-bright);
    opacity: 0;
    transition: opacity .2s;
}
.ts-item-content.cuscard:hover {
    transform: translateY(-4px);
    box-shadow: var(--ebf-shadow);
    border-color: rgba(36, 156, 242, .4);
}
.ts-item-content.cuscard:hover::before { opacity: 1; }

.ts-item-header {
    margin-bottom: 20px !important;
    position: static !important;
    padding: 0 !important;
}
.ts-item-header .icon {
    margin: 0 !important;
    padding: 0 !important;
    position: static !important;
    top: auto !important;
    left: auto !important;
    transform: none !important;
    width: auto !important;
    height: auto !important;
    background: transparent !important;
    display: inline-block;
}
.ts-item-header .step {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    background: var(--ebf-gradient-bright) !important;
    color: #fff !important;
    border-radius: 16px;
    font-weight: 800;
    font-size: 1.55rem;
    box-shadow: 0 8px 18px rgba(36, 156, 242, .35);
    font-style: normal;
    position: static !important;
    top: auto !important;
    left: auto !important;
    transform: none !important;
    margin: 0 !important;
}

.ts-item-body h4 {
    color: var(--ebf-ink) !important;
    margin-bottom: 10px !important;
    font-weight: 700 !important;
}
.ts-item-body p { color: var(--ebf-body); margin-bottom: 0; }

/* ------------------------------------------------------------------
   Stats / numbers block
   ------------------------------------------------------------------ */
#numbers {
    padding: 80px 0 !important;
    background: var(--ebf-gradient) !important;
    color: #fff;
    position: relative;
    overflow: hidden;
}
#numbers::before {
    content: "";
    position: absolute; inset: 0;
    background:
        radial-gradient(800px 400px at 20% 0%, rgba(36, 156, 242, .28), transparent 60%),
        radial-gradient(600px 400px at 90% 100%, rgba(6, 154, 243, .22), transparent 55%);
}
#numbers::after {
    content: "";
    position: absolute; inset: 0;
    background: url("../img/bg-mountain.jpg") center/cover;
    opacity: .06;
    mix-blend-mode: screen;
}
#numbers .container { position: relative; z-index: 2; }
#numbers h3 {
    color: #fff !important;
    font-size: clamp(1.6rem, 3.3vw, 2.3rem) !important;
    margin-bottom: 40px !important;
    font-weight: 700 !important;
}

.ts-promo-number {
    padding: 22px 10px;
    border-radius: var(--ebf-radius);
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.1);
    backdrop-filter: blur(8px);
    margin-bottom: 16px;
    transition: transform .2s, background .2s;
}
.ts-promo-number:hover { transform: translateY(-3px); background: rgba(255,255,255,.09); }
.ts-promo-number h2 {
    color: #fff !important;
    font-size: clamp(2.2rem, 4vw, 3rem) !important;
    margin-bottom: 6px !important;
    font-weight: 800 !important;
    background: linear-gradient(135deg, #fff 0%, var(--ebf-blue) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}
.ts-promo-number h5 {
    color: rgba(255,255,255,.85) !important;
    font-weight: 500 !important;
    font-size: .95rem !important;
    text-transform: none;
    letter-spacing: 0;
}

#numbers .btn-primary {
    background: #fff !important;
    color: var(--ebf-navy) !important;
    box-shadow: 0 14px 28px rgba(0,0,0,.18);
}
#numbers .btn-primary:hover {
    background: var(--ebf-blue) !important;
    color: #fff !important;
}

/* ------------------------------------------------------------------
   Industries / brand-logo grid
   ------------------------------------------------------------------ */
.section.section-pad { padding: 80px 0 !important; }
.section-title { margin-bottom: 30px; }
.section-title.text-center { text-align: center; }
.section-title h1 {
    font-size: clamp(1.9rem, 3.5vw, 2.6rem) !important;
    margin-bottom: 14px !important;
}
.section-title .large-text {
    font-size: 1.05rem;
    max-width: 820px;
    margin: 0 auto;
    color: var(--ebf-body);
}

.brand-logo {
    position: relative;
    aspect-ratio: 1 / 1;
    border-radius: var(--ebf-radius);
    overflow: hidden;
    box-shadow: var(--ebf-shadow-sm);
    transition: transform .25s, box-shadow .25s;
}
.brand-logo:hover { transform: translateY(-4px); box-shadow: var(--ebf-shadow); }
.brand-logo .busimg {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform .4s;
}
.brand-logo:hover .busimg { transform: scale(1.07); }
.brand-logo::after {
    content: "";
    position: absolute; inset: 0;
    background: linear-gradient(180deg, transparent 50%, rgba(1, 69, 118, .75));
    pointer-events: none;
}

/* ------------------------------------------------------------------
   Footer
   ------------------------------------------------------------------ */
#ts-footer { background: var(--ebf-navy-darker); color: rgba(255,255,255,.85); }
#contact {
    background: var(--ebf-navy-darker) !important;
    padding: 72px 0 0 !important;
    color: rgba(255,255,255,.85);
    position: relative;
    overflow: hidden;
}
#contact::before {
    content: "";
    position: absolute; inset: 0;
    background: radial-gradient(1000px 500px at 10% 10%, rgba(36, 156, 242, .15), transparent 60%);
    pointer-events: none;
}
#contact .wide-container,
#contact .container { position: relative; z-index: 2; }

#contact .ts-box.mb-0.p-5 {
    background: transparent !important;
    padding: 0 !important;
    margin-top: 0 !important;
    box-shadow: none !important;
}

#contact h6.font-alt {
    color: #fff !important;
    font-weight: 700 !important;
    font-size: 1rem !important;
    text-transform: uppercase;
    letter-spacing: .08em;
    margin-bottom: 18px;
}
#contact p, #contact li, #contact a { color: rgba(255,255,255,.78) !important; }
#contact a:hover { color: var(--ebf-blue) !important; }
#contact p.dark-color { color: rgba(255,255,255,.8) !important; }

#contact .nav { flex-direction: column; }
#contact .nav-item { padding: 4px 0; }
#contact .nav-item a {
    font-size: .95rem;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: color .15s, transform .15s;
}
#contact .nav-item a:hover { transform: translateX(3px); }

#contact img { filter: brightness(0) invert(1); opacity: .95; max-width: 220px; }

#contact .read-more .btn-primary {
    background: var(--ebf-gradient-bright) !important;
    color: #fff !important;
}

.ebf-footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding: 24px 0;
    margin-top: 56px;
    font-size: .88rem;
    color: rgba(255,255,255,.65);
}
.ebf-footer-bottom a { color: rgba(255,255,255,.75) !important; }
.ebf-footer-bottom a:hover { color: var(--ebf-blue) !important; }
.ebf-footer-bottom .row { align-items: center; }

/* ------------------------------------------------------------------
   Trust / testimonial / guarantee block
   ------------------------------------------------------------------ */
.ebf-trustbar {
    background: var(--ebf-white);
    padding: 44px 0;
    border-top: 1px solid var(--ebf-border);
    border-bottom: 1px solid var(--ebf-border);
}
.ebf-trustbar-inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-around;
    gap: 30px;
    color: var(--ebf-ink);
}
.ebf-trustbar-item {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
    color: var(--ebf-ink);
    font-size: .95rem;
}
.ebf-trustbar-item i {
    color: var(--ebf-blue-bright);
    font-size: 1.3rem;
    width: 28px;
    text-align: center;
}

.ebf-testimonials {
    padding: 80px 0;
    background: var(--ebf-surface);
}
.ebf-testimonial {
    background: #fff;
    border-radius: var(--ebf-radius);
    padding: 30px 26px;
    height: 100%;
    border: 1px solid var(--ebf-border);
    position: relative;
    transition: transform .2s, box-shadow .2s;
}
.ebf-testimonial:hover { transform: translateY(-4px); box-shadow: var(--ebf-shadow); }
.ebf-testimonial .ebf-stars {
    color: #F59E0B;
    margin-bottom: 14px;
    font-size: 1rem;
}
.ebf-testimonial p { color: var(--ebf-body); font-size: .97rem; margin-bottom: 18px; }
.ebf-testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--ebf-border);
}
.ebf-testimonial-author .avatar {
    width: 44px; height: 44px;
    border-radius: 50%;
    background: var(--ebf-gradient);
    color: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1rem;
}
.ebf-testimonial-author strong { color: var(--ebf-ink); display: block; font-size: .95rem; }
.ebf-testimonial-author span { color: var(--ebf-muted); font-size: .85rem; }

/* FAQ */
.ebf-faq {
    padding: 80px 0;
}
.ebf-faq-item {
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    margin-bottom: 12px;
    overflow: hidden;
    transition: box-shadow .2s, border-color .2s;
}
.ebf-faq-item:hover { border-color: rgba(36, 156, 242, .4); }
.ebf-faq-item summary {
    padding: 20px 24px;
    cursor: pointer;
    font-weight: 600;
    color: var(--ebf-ink);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    list-style: none;
    font-size: 1.02rem;
}
.ebf-faq-item summary::-webkit-details-marker { display: none; }
.ebf-faq-item summary::after {
    content: "+";
    color: var(--ebf-blue-bright);
    font-size: 1.5rem;
    font-weight: 400;
    line-height: 1;
    transition: transform .2s;
}
.ebf-faq-item[open] summary::after { content: "−"; }
.ebf-faq-item[open] { box-shadow: var(--ebf-shadow); }
.ebf-faq-answer {
    padding: 0 24px 22px;
    color: var(--ebf-body);
    font-size: .97rem;
}

/* Full-width CTA band */
.ebf-cta-band {
    padding: 70px 0;
    background: var(--ebf-gradient);
    color: #fff;
    position: relative;
    overflow: hidden;
    text-align: center;
}
.ebf-cta-band::before {
    content: "";
    position: absolute; inset: 0;
    background: radial-gradient(700px 300px at 50% 0%, rgba(36, 156, 242, .35), transparent 65%);
}
.ebf-cta-band .container { position: relative; z-index: 2; }
.ebf-cta-band h2 { color: #fff !important; margin-bottom: 14px !important; }
.ebf-cta-band p { color: rgba(255,255,255,.9); max-width: 620px; margin: 0 auto 28px; font-size: 1.08rem; }
.ebf-cta-band .btn-primary {
    background: #fff !important;
    color: var(--ebf-navy) !important;
    box-shadow: 0 18px 32px rgba(0,0,0,.22);
}
.ebf-cta-band .btn-primary:hover { background: var(--ebf-blue) !important; color: #fff !important; }

/* ------------------------------------------------------------------
   Product advantages list (used on funding pages)
   ------------------------------------------------------------------ */
.ebf-advantages {
    list-style: none !important;
    padding: 0 !important;
    margin: 18px 0 24px;
}
.ebf-advantages li {
    position: relative;
    padding: 14px 16px 14px 52px;
    margin-bottom: 10px;
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: 12px;
    color: var(--ebf-body);
    transition: border-color .2s, transform .2s;
}
.ebf-advantages li:hover { border-color: rgba(36, 156, 242, .4); transform: translateX(3px); }
.ebf-advantages li::before {
    content: "\f00c";
    font-family: "Font Awesome 5 Free", "FontAwesome";
    font-weight: 900;
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--ebf-blue-light);
    color: var(--ebf-blue-bright);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: .72rem;
}
.ebf-advantages li b { color: var(--ebf-ink); }

/* Original <ul> inside Advantages section — retrofit */
.fundtermdes ul,
.col-sm-6 > div > p > ul {
    list-style: none !important;
    padding: 0 !important;
}
.fundtermdes ul li,
.col-sm-6 > div > p > ul li {
    position: relative;
    padding: 12px 14px 12px 48px;
    margin-bottom: 8px;
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: 12px;
    color: var(--ebf-body);
}
.fundtermdes ul li::before,
.col-sm-6 > div > p > ul li::before {
    content: "\f00c";
    font-family: "Font Awesome 5 Free", "FontAwesome";
    font-weight: 900;
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--ebf-blue-light);
    color: var(--ebf-blue-bright);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: .7rem;
}
.fundtermdes ul li b,
.col-sm-6 > div > p > ul li b { color: var(--ebf-ink); }

/* ------------------------------------------------------------------
   Tweaks & overrides
   ------------------------------------------------------------------ */
.text-white { color: #fff !important; }
.fw-600 { font-weight: 700 !important; }

/* Kill leftover legacy overlays */
.ts-background,
.ts-background-image,
.ts-svg.ts-z-index__1,
.ts-background-position-left { display: none !important; }

/* Remove legacy padding offsets on hero wrapper */
.p-t-78 { padding-top: 0 !important; }

/* Legacy iframe styles */
.padiframe, .shadiframe {
    border-radius: var(--ebf-radius-lg);
    box-shadow: var(--ebf-shadow-lg);
    background: #fff;
    border: 0;
    display: block;
    width: 100%;
    max-width: 100%;
}

/* New embedded form iframe */
.br-10 {
    border-radius: var(--ebf-radius-lg) !important;
    box-shadow: var(--ebf-shadow-lg);
    background: #fff;
    display: block;
    width: 100%;
    max-width: 100%;
    border: 0;
}

/* Legacy mobile helpers */
.mobilecenter { display: inline-block; }
@media (max-width: 767px) {
    .mobilecenter { display: block; text-align: center; }
    .mobilecenter .btn { width: 100%; justify-content: center; }
    .mobilebotmarg { margin-bottom: 16px; }
    .mobiletopmarg { margin-top: 12px; display: inline-block; }
    .titlemobmargtop { margin-top: 12px; }
}

/* Mainherosize legacy */
.mainherosize, .mainherosize2 {
    padding: 140px 0 60px !important;
    background: var(--ebf-gradient) !important;
}

/* Responsive row tightening */
.row.align-items-center { align-items: center !important; }
.m-15px-tb { margin: 12px 0 !important; }
.m-45px-b { margin-bottom: 30px !important; }

/* Prevent any horizontal scroll */
html, body { overflow-x: hidden; }

/* Specific overrides for legacy ts-box */
.ts-box { background: transparent; }

/* Fade in up + scroll anims (keep gentle) */
[data-animate] {
    opacity: 1 !important;
    transform: none !important;
    visibility: visible !important;
}

/* Utility grid gap fix */
.row { row-gap: 14px; }

/* Accessibility improvements */
:focus-visible { outline: 3px solid rgba(36, 156, 242, .5); outline-offset: 2px; border-radius: 4px; }

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

/* ------------------------------------------------------------------
   Apply-page conversion components
   ------------------------------------------------------------------ */

/* Qualification preview card */
.ebf-qualify {
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    padding: 32px 28px;
    box-shadow: var(--ebf-shadow-sm);
}
.ebf-qualify h3 {
    font-size: 1.1rem !important;
    color: var(--ebf-ink) !important;
    margin-bottom: 14px !important;
}
.ebf-qualify-list {
    list-style: none !important;
    padding: 0 !important;
    margin: 0 0 18px !important;
}
.ebf-qualify-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid var(--ebf-border);
    color: var(--ebf-body);
}
.ebf-qualify-list li:last-child { border-bottom: 0; }
.ebf-qualify-list i {
    color: var(--ebf-success);
    font-size: 1.1rem;
    margin-top: 2px;
    flex-shrink: 0;
}
.ebf-qualify-list strong { display: block; color: var(--ebf-ink); font-weight: 600; margin-bottom: 2px; }
.ebf-qualify-list .muted { font-size: .88rem; color: var(--ebf-muted); }

/* Use case grid */
.ebf-usecases {
    padding: 70px 0;
    background: var(--ebf-surface);
}
.ebf-usecase {
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    padding: 24px 20px;
    height: 100%;
    transition: transform .2s, box-shadow .2s, border-color .2s;
    display: flex;
    gap: 14px;
    align-items: flex-start;
}
.ebf-usecase:hover {
    transform: translateY(-3px);
    box-shadow: var(--ebf-shadow);
    border-color: rgba(36, 156, 242, .4);
}
.ebf-usecase-icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: var(--ebf-blue-light);
    color: var(--ebf-blue-bright);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}
.ebf-usecase h4 { font-size: 1rem !important; margin-bottom: 4px !important; color: var(--ebf-ink) !important; font-weight: 600 !important; }
.ebf-usecase p { font-size: .9rem; color: var(--ebf-body); margin: 0; }

/* Comparison table */
.ebf-compare {
    padding: 80px 0;
}
.ebf-compare-table {
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    overflow: hidden;
    box-shadow: var(--ebf-shadow-sm);
}
.ebf-compare-row {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr;
    border-bottom: 1px solid var(--ebf-border);
}
.ebf-compare-row:last-child { border-bottom: 0; }
.ebf-compare-row > div {
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 10px;
}
.ebf-compare-row.head {
    background: var(--ebf-surface);
    font-weight: 700;
    color: var(--ebf-ink);
}
.ebf-compare-row.head .ebf-compare-us {
    color: var(--ebf-blue-bright);
    background: linear-gradient(135deg, rgba(36,156,242,.1), rgba(6,154,243,.08));
}
.ebf-compare-row.head .ebf-compare-them {
    color: var(--ebf-muted);
}
.ebf-compare-us { background: rgba(36, 156, 242, .04); color: var(--ebf-ink); font-weight: 600; }
.ebf-compare-them { color: var(--ebf-muted); }
.ebf-compare-row > div i { font-size: .95rem; flex-shrink: 0; }
.ebf-compare-row .positive { color: var(--ebf-success); }
.ebf-compare-row .negative { color: #E11D48; }
@media (max-width: 640px) {
    .ebf-compare-row { grid-template-columns: 1.2fr .8fr .8fr; }
    .ebf-compare-row > div { padding: 12px 14px; font-size: .88rem; }
}

/* Post-application timeline */
.ebf-timeline {
    padding: 80px 0;
    background: var(--ebf-surface);
}
.ebf-timeline-item {
    display: flex;
    gap: 18px;
    padding: 18px 22px;
    background: #fff;
    border: 1px solid var(--ebf-border);
    border-radius: var(--ebf-radius);
    margin-bottom: 12px;
    align-items: center;
    transition: transform .2s, box-shadow .2s;
}
.ebf-timeline-item:hover { transform: translateX(3px); box-shadow: var(--ebf-shadow-sm); }
.ebf-timeline-stamp {
    min-width: 110px;
    color: var(--ebf-blue-bright);
    font-weight: 700;
    font-size: .85rem;
    letter-spacing: .06em;
    text-transform: uppercase;
    flex-shrink: 0;
}
.ebf-timeline-content h4 { font-size: 1.05rem !important; margin-bottom: 2px !important; color: var(--ebf-ink) !important; }
.ebf-timeline-content p { margin: 0; color: var(--ebf-body); font-size: .95rem; }

/* Risk reversal panel */
.ebf-risk-reversal {
    display: inline-flex;
    flex-wrap: wrap;
    gap: 18px;
    padding: 16px 22px;
    background: rgba(255,255,255,.08);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 100px;
    color: #fff;
    font-weight: 500;
    font-size: .95rem;
    justify-content: center;
    margin-top: 18px;
}
.ebf-risk-reversal span { display: inline-flex; align-items: center; gap: 8px; }
.ebf-risk-reversal i { color: var(--ebf-blue); }

/* Sticky mobile CTA */
.ebf-sticky-cta {
    display: none;
}
@media (max-width: 767.98px) {
    .ebf-sticky-cta {
        display: flex;
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
        background: rgba(255,255,255,.96);
        backdrop-filter: blur(10px);
        border-top: 1px solid var(--ebf-border);
        z-index: 1020;
        gap: 10px;
    }
    .ebf-sticky-cta .btn {
        flex: 1;
        justify-content: center;
    }
    body { padding-bottom: 70px; }
}