/* =====================================================
   LoanDidi homepage revamp (15 Oct 2026)
   1. Journey phone mock-up   2. Credibility logo marquee   3. Delayed apply popup
   Linked only from index.html, index-hi.html and adcampaign.html.
   Uses the tokens from styles.css (cream / orange / navy).
   ===================================================== */

/* ---------- 1. Journey phone ---------- */
.phone-stage {
  position: relative;
  width: 100%;
  max-width: 460px;
  aspect-ratio: 4 / 5.3;
  container-type: inline-size;
  border-radius: 28px;
  background:
    radial-gradient(circle at 50% 38%, rgba(255,255,255,.9) 0%, rgba(255,255,255,0) 55%),
    radial-gradient(circle at 85% 12%, var(--orange-100) 0%, transparent 55%),
    linear-gradient(180deg, #fff3e3 0%, #fde8d2 100%);
  border: 6px solid var(--paper);
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; justify-content: center;
}
.phone-stage::before,
.phone-stage::after {
  content: ''; position: absolute; border-radius: 50%; pointer-events: none;
}
.phone-stage::before { width: 46%; aspect-ratio: 1; left: -10%; bottom: -8%; background: radial-gradient(circle, rgba(212,105,26,.22), transparent 68%); }
.phone-stage::after  { width: 38%; aspect-ratio: 1; right: -8%; top: -6%; background: radial-gradient(circle, rgba(31,49,71,.14), transparent 68%); }

.phone {
  --u: 2.85cqw;                      /* 1em inside the phone */
  font-size: 13px; font-size: var(--u);
  position: relative; z-index: 1;
  width: 20em; height: 40.5em;
  padding: .62em;
  border-radius: 3.1em;
  background: linear-gradient(150deg, #2a4262 0%, #0f1c2e 55%, #1a2c45 100%);
  box-shadow:
    0 0 0 .09em #3d5169 inset,
    0 2.6em 4.2em -1.2em rgba(15,28,46,.55),
    0 .8em 1.6em rgba(15,28,46,.25);
  font-family: var(--font-body);
  color: var(--navy-900);
  -webkit-font-smoothing: antialiased;
  animation: ph-float 7s ease-in-out infinite;
}
@keyframes ph-float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-.55em); } }
.phone::before {            /* side button */
  content: ''; position: absolute; right: -.16em; top: 8.5em; width: .2em; height: 4em;
  border-radius: 0 .2em .2em 0; background: #2a4262;
}
.phone-screen {
  position: relative; width: 100%; height: 100%; overflow: hidden;
  border-radius: 2.55em;
  background: #fffaf3;
  isolation: isolate;
}
.phone-screen::after {      /* soft glass sheen */
  content: ''; position: absolute; inset: 0; z-index: 9; pointer-events: none;
  background: linear-gradient(115deg, rgba(255,255,255,.22) 0%, rgba(255,255,255,0) 28%);
}
.ph-island {
  position: absolute; z-index: 8; top: .7em; left: 50%; transform: translateX(-50%);
  width: 5.6em; height: 1.55em; border-radius: 1em; background: #0a1220;
}
.ph-status {
  position: relative; z-index: 7; display: flex; justify-content: space-between; align-items: center;
  padding: .85em 1.6em 0; font-size: .72em; font-weight: 700; letter-spacing: .02em; height: 3.2em;
}
.ph-status .ph-ico { display: inline-flex; gap: .35em; align-items: center; }
.ph-status svg { width: 1.45em; height: 1.45em; }
.ph-head {
  position: relative; z-index: 6; display: flex; align-items: center; gap: .55em;
  padding: .55em 1.25em .5em;
}
.ph-head img { width: 1.9em; height: 1.9em; border-radius: .5em; object-fit: contain; background: #fff; }
.ph-head b { font-family: var(--font-display); font-size: 1.12em; font-weight: 600; letter-spacing: -.01em; }
.ph-head .ph-secure { margin-left: auto; font-size: .62em; font-weight: 700; color: var(--green-600); background: var(--green-100); padding: .35em .75em; border-radius: 99em; display: inline-flex; align-items: center; gap: .4em; }
.ph-head .ph-secure svg { width: 1.2em; height: 1.2em; }
.ph-progress { display: flex; gap: .3em; padding: .15em 1.25em .3em; position: relative; z-index: 6; }
.ph-progress i { flex: 1; height: .28em; border-radius: 9em; background: #ecdfca; overflow: hidden; position: relative; }
.ph-progress i::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, var(--orange-500), var(--orange-600)); transform: scaleX(0); transform-origin: left; transition: transform .6s cubic-bezier(.2,.7,.2,1); }
.ph-progress i.done::after { transform: scaleX(1); }

.ph-body { position: absolute; z-index: 3; left: 0; right: 0; top: 7.2em; bottom: 0; }
.scr {
  position: absolute; inset: 0; padding: .7em 1.25em 1.25em;
  display: flex; flex-direction: column;
  opacity: 0; visibility: hidden; transform: translateX(14%);
  transition: opacity .5s ease, transform .6s cubic-bezier(.2,.7,.2,1), visibility 0s .6s;
}
.scr.on { opacity: 1; visibility: visible; transform: none; transition-delay: 0s; }
.scr.out { transform: translateX(-14%); }
.scr h4 { font-family: var(--font-display); font-size: 1.5em; line-height: 1.12; font-weight: 600; margin: .15em 0 .3em; letter-spacing: -.015em; }
.scr .sub { font-size: .8em; color: var(--navy-500); line-height: 1.45; margin: 0 0 1.1em; }
.scr .push { margin-top: auto; }
.ph-btn {
  display: flex; align-items: center; justify-content: center; gap: .5em;
  height: 3.1em; border-radius: 1em; font-size: .95em; font-weight: 700; color: #fff;
  background: linear-gradient(180deg, var(--orange-500), var(--orange-600));
  box-shadow: 0 .55em 1.1em -.4em rgba(212,105,26,.7), inset 0 1px 0 rgba(255,255,255,.35);
}
.ph-btn svg { width: 1.1em; height: 1.1em; }
.ph-card {
  background: #fff; border: 1px solid var(--line-soft); border-radius: 1.1em;
  box-shadow: 0 .4em 1.2em -.6em rgba(15,28,46,.25);
}
.ph-field {
  display: flex; align-items: center; gap: .7em; height: 3.2em; padding: 0 1em;
  border: 1.5px solid var(--line); border-radius: 1em; background: #fff; font-size: .95em; font-weight: 700;
}
.ph-field .pre { color: var(--navy-500); font-weight: 600; padding-right: .7em; border-right: 1px solid var(--line); }
.ph-field .digits { letter-spacing: .06em; font-variant-numeric: tabular-nums; }
.digits span { opacity: 0; }
.ph-caret { width: 2px; height: 1.2em; background: var(--orange-600); margin-left: -.5em; opacity: 0; }

/* S1 mobile + OTP */
.s1 .ph-field { border-color: var(--line); }
.s1.on .ph-field { animation: field-on .4s .1s both; }
@keyframes field-on { to { border-color: var(--orange-500); box-shadow: 0 0 0 .22em rgba(232,128,31,.16); } }
.s1.on .digits span { animation: dg .12s both; animation-delay: calc(.35s + var(--i) * .075s); }
@keyframes dg { from { opacity: 0; transform: translateY(.3em); } to { opacity: 1; transform: none; } }
.s1 .otp-wrap { margin-top: 1.1em; opacity: 0; transform: translateY(.6em); }
.s1.on .otp-wrap { animation: rise .5s 1.35s both; }
@keyframes rise { to { opacity: 1; transform: none; } }
.otp-label { font-size: .72em; font-weight: 700; color: var(--navy-500); margin-bottom: .7em; display: flex; justify-content: space-between; }
.otp-label em { font-style: normal; color: var(--orange-700); }
.otp-row { display: flex; gap: .5em; }
.otp-row span {
  flex: 1; height: 3em; border-radius: .8em; border: 1.5px solid var(--line); background: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 1.05em;
}
.otp-row span b { opacity: 0; font-weight: 800; }
.s1.on .otp-row span { animation: ot .3s both; animation-delay: calc(1.9s + var(--i) * .16s); }
.s1.on .otp-row span b { animation: rise .2s both; animation-delay: calc(1.9s + var(--i) * .16s); }
@keyframes ot { to { border-color: var(--green-600); background: #f3fbf7; } }
.s1 .ph-btn { opacity: .45; transform: scale(.98); }
.s1.on .ph-btn { animation: btn-ready .5s 3s both; }
@keyframes btn-ready { to { opacity: 1; transform: scale(1); } }

/* S2 amount */
.amt-box { text-align: center; padding: 1.1em .8em 1.2em; margin-bottom: 1em; }
.amt-box small { display: block; font-size: .7em; font-weight: 700; color: var(--navy-500); text-transform: uppercase; letter-spacing: .12em; }
.amt-big { font-family: var(--font-display); font-weight: 600; font-size: 2.7em; letter-spacing: -.03em; line-height: 1.1; color: var(--navy-900); font-variant-numeric: tabular-nums; }
.range { position: relative; height: .5em; border-radius: 9em; background: #ecdfca; margin: 1.5em .4em .6em; }
.range i { position: absolute; left: 0; top: 0; bottom: 0; width: 0; border-radius: 9em; background: linear-gradient(90deg, var(--orange-300), var(--orange-600)); }
.range b { position: absolute; top: 50%; left: 0; width: 1.7em; height: 1.7em; margin: -.85em 0 0 -.85em; border-radius: 50%; background: #fff; border: .32em solid var(--orange-600); box-shadow: 0 .3em .7em rgba(15,28,46,.25); }
.s2.on .range i { animation: fillw 1.5s .3s cubic-bezier(.3,.7,.2,1) both; }
.s2.on .range b { animation: thumb 1.5s .3s cubic-bezier(.3,.7,.2,1) both; }
@keyframes fillw { to { width: 24%; } }
@keyframes thumb { to { left: 24%; } }
.range-lbl { display: flex; justify-content: space-between; font-size: .7em; font-weight: 700; color: var(--navy-300); margin: 0 .2em; }
.chips { display: flex; gap: .5em; margin-top: 1.2em; }
.chips span { flex: 1; text-align: center; font-size: .78em; font-weight: 700; padding: .65em 0; border-radius: .8em; border: 1.5px solid var(--line); background: #fff; color: var(--navy-700); }
.chips span.sel { border-color: var(--orange-600); background: var(--orange-50); color: var(--orange-700); }

/* S3 DigiLocker */
.dl-top { display: flex; align-items: center; gap: .8em; padding: .9em 1em; margin-bottom: .9em; }
.dl-ico { width: 2.6em; height: 2.6em; border-radius: .8em; background: linear-gradient(145deg, #2a5aa8, #153a74); display: grid; place-items: center; color: #fff; flex: none; }
.dl-ico svg { width: 1.5em; height: 1.5em; }
.dl-top b { font-size: .9em; display: block; }
.dl-top span { font-size: .72em; color: var(--navy-500); }
.chk-list { display: flex; flex-direction: column; gap: .55em; }
.chk { display: flex; align-items: center; gap: .75em; padding: .8em .9em; font-size: .82em; font-weight: 600; opacity: 0; transform: translateY(.6em); }
.s3.on .chk { animation: rise .45s both; animation-delay: calc(.35s + var(--i) * .15s); }
.chk .st { position: relative; width: 1.7em; height: 1.7em; flex: none; }
.chk .st svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.chk .spin { width: 1.45em; height: 1.45em; margin: .12em; border-radius: 50%; border: .2em solid #ecdfca; border-top-color: var(--orange-600); position: absolute; inset: 0; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.chk .ok { opacity: 0; transform: scale(.4); }
.s3.on .chk .ok { animation: pop .35s both; animation-delay: calc(1.0s + var(--i) * .75s); }
.s3.on .chk .spin { animation: spin .8s linear infinite, gone .01s both; animation-delay: 0s, calc(1.0s + var(--i) * .75s); }
@keyframes gone { to { opacity: 0; } }
@keyframes pop { 60% { transform: scale(1.15); } to { opacity: 1; transform: scale(1); } }
.chk small { display: block; font-size: .8em; font-weight: 500; color: var(--navy-500); }

/* S4 bank / AA */
.bank-card { padding: 1em; display: flex; gap: .8em; align-items: center; margin-bottom: .9em; }
.bank-ico { width: 2.7em; height: 2.7em; border-radius: .85em; background: var(--orange-100); color: var(--orange-700); display: grid; place-items: center; flex: none; }
.bank-ico svg { width: 1.5em; height: 1.5em; }
.bank-card b { font-size: .9em; display: block; }
.bank-card span { font-size: .72em; color: var(--navy-500); }
.aa-flow { display: flex; align-items: center; justify-content: space-between; padding: 1em .8em; margin-bottom: .9em; position: relative; }
.aa-node { position: relative; z-index: 1; text-align: center; font-size: .66em; font-weight: 700; color: var(--navy-700); width: 5em; }
.aa-node i { display: grid; place-items: center; width: 3.3em; height: 3.3em; margin: 0 auto .5em; border-radius: 50%; background: #fff; border: 1.5px solid var(--line); }
.aa-node i svg { width: 1.7em; height: 1.7em; }
.aa-line { position: absolute; z-index: 0; left: 2.45em; right: 2.45em; top: 1.98em; height: .22em; background: #ecdfca; border-radius: 9em; overflow: hidden; }
.aa-line::after { content: ''; position: absolute; inset: 0; width: 40%; background: linear-gradient(90deg, transparent, var(--orange-600), transparent); animation: flow 1.1s linear infinite; }
@keyframes flow { from { transform: translateX(-100%); } to { transform: translateX(260%); } }
.aa-done { display: flex; align-items: center; gap: .6em; padding: .8em .9em; font-size: .8em; font-weight: 700; color: var(--green-600); background: #f3fbf7; border: 1px solid #cdeedd; border-radius: 1em; opacity: 0; transform: translateY(.6em); }
.aa-done svg { width: 1.5em; height: 1.5em; }
.s4.on .aa-done { animation: rise .5s 1.3s both; }
.s4 .note { font-size: .7em; color: var(--navy-500); margin-top: .9em; display: flex; gap: .5em; align-items: center; }
.s4 .note svg { width: 1.3em; height: 1.3em; flex: none; color: var(--green-600); }

/* S5 offer */
.offer { padding: 1.3em 1.1em; border-radius: 1.3em; color: #fff; background: linear-gradient(150deg, #1f3147 0%, #0f1c2e 100%); position: relative; overflow: hidden; box-shadow: 0 1em 1.8em -.9em rgba(15,28,46,.6); }
.offer::after { content: ''; position: absolute; right: -2.5em; top: -2.5em; width: 9em; height: 9em; border-radius: 50%; background: radial-gradient(circle, rgba(232,128,31,.55), transparent 65%); }
.offer small { font-size: .7em; letter-spacing: .12em; font-weight: 700; text-transform: uppercase; color: #f5b574; }
.offer .big { font-family: var(--font-display); font-size: 2.8em; font-weight: 600; letter-spacing: -.03em; line-height: 1.1; margin: .1em 0 .5em; }
.offer .rows { display: grid; grid-template-columns: 1fr 1fr; gap: .6em; position: relative; z-index: 1; }
.offer .rows div { background: rgba(255,255,255,.08); border-radius: .8em; padding: .6em .7em; font-size: .72em; }
.offer .rows div span { display: block; color: #c8d3e2; font-weight: 500; font-size: .92em; margin-bottom: .15em; }
.offer .rows div b { font-weight: 700; font-size: 1.1em; }
.s5.on .offer { animation: offer-in .8s .1s cubic-bezier(.2,.8,.2,1) both; }
@keyframes offer-in { from { opacity: 0; transform: translateY(1.2em) scale(.96); } to { opacity: 1; transform: none; } }
.s5 .offer { opacity: 0; }
.s5 .fine { font-size: .7em; color: var(--navy-500); margin: 1em .2em 0; display: flex; gap: .5em; align-items: flex-start; line-height: 1.4; }
.s5 .fine svg { width: 1.3em; height: 1.3em; flex: none; color: var(--green-600); }
.s5.on .ph-btn { animation: press 1s 2s both; }
@keyframes press { 0% { transform: scale(1); } 40% { transform: scale(.95); } 100% { transform: scale(1); } }

/* S6 auto-repay */
.ar-card { padding: 1em; display: flex; align-items: center; gap: .85em; }
.ar-card .txt b { font-size: .9em; display: block; line-height: 1.25; }
.ar-card .txt span { font-size: .72em; color: var(--navy-500); line-height: 1.35; display: block; margin-top: .2em; }
.toggle { margin-left: auto; width: 3.2em; height: 1.85em; border-radius: 9em; background: #d9cdb8; position: relative; flex: none; }
.toggle::after { content: ''; position: absolute; left: .2em; top: .2em; width: 1.45em; height: 1.45em; border-radius: 50%; background: #fff; box-shadow: 0 .15em .4em rgba(0,0,0,.3); }
.s6.on .toggle { animation: tg-bg .4s 1.1s both; }
.s6.on .toggle::after { animation: tg-knob .4s 1.1s cubic-bezier(.3,1.4,.5,1) both; }
@keyframes tg-bg { to { background: var(--green-600); } }
@keyframes tg-knob { to { left: 1.55em; } }
.cal { margin-top: .9em; padding: 1em; }
.cal-head { display: flex; justify-content: space-between; font-size: .74em; font-weight: 700; margin-bottom: .7em; }
.cal-head span:last-child { color: var(--navy-500); font-weight: 600; }
.cal-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: .35em; }
.cal-grid i { aspect-ratio: 1; border-radius: .5em; background: #f6efe2; display: block; }
.cal-grid i.due { background: var(--orange-600); position: relative; }
.s6.on .cal-grid i.due { animation: due-pulse 1.4s 1.5s ease-in-out 2; }
@keyframes due-pulse { 50% { box-shadow: 0 0 0 .4em rgba(212,105,26,.25); } }
.cal-note { font-size: .7em; color: var(--navy-500); margin-top: .8em; display: flex; gap: .45em; align-items: center; }
.cal-note svg { width: 1.3em; height: 1.3em; color: var(--green-600); flex: none; }
.s6 .on-badge { opacity: 0; }
.s6.on .on-badge { animation: rise .4s 1.6s both; }

/* S7 success */
.s7 { align-items: center; text-align: center; justify-content: center; padding-bottom: 3em; }
.ok-ring { position: relative; width: 7.2em; height: 7.2em; margin: 0 auto 1.2em; }
.ok-ring svg { width: 100%; height: 100%; overflow: visible; }
.ok-ring .bg { fill: var(--green-600); transform-origin: center; transform: scale(0); }
.ok-ring .halo { fill: none; stroke: var(--green-600); stroke-width: 2; opacity: 0; transform-origin: center; }
.ok-ring .tick { fill: none; stroke: #fff; stroke-width: 5.5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 64; stroke-dashoffset: 64; }
.s7.on .ok-ring .bg { animation: pop-in .6s .15s cubic-bezier(.3,1.5,.5,1) both; }
.s7.on .ok-ring .halo { animation: halo 1.4s .5s ease-out 2; }
.s7.on .ok-ring .tick { animation: draw .5s .6s ease-out both; }
@keyframes pop-in { to { transform: scale(1); } }
@keyframes halo { from { opacity: .55; transform: scale(1); } to { opacity: 0; transform: scale(1.7); } }
@keyframes draw { to { stroke-dashoffset: 0; } }
.s7 .big { font-family: var(--font-display); font-size: 2.6em; font-weight: 600; letter-spacing: -.03em; line-height: 1.1; opacity: 0; }
.s7 p { font-size: .95em; font-weight: 600; color: var(--navy-700); margin: .3em 0 .9em; opacity: 0; }
.s7 .pill { display: inline-flex; align-items: center; gap: .5em; font-size: .72em; font-weight: 700; color: var(--green-600); background: var(--green-100); padding: .55em 1em; border-radius: 99em; opacity: 0; }
.s7 .pill svg { width: 1.3em; height: 1.3em; }
.s7.on .big { animation: rise .5s 1s both; }
.s7.on p { animation: rise .5s 1.15s both; }
.s7.on .pill { animation: rise .5s 1.35s both; }
.confetti { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.confetti i { position: absolute; top: 18%; left: 50%; width: .55em; height: .55em; border-radius: .15em; opacity: 0; background: var(--c); }
.s7.on .confetti i { animation: conf 1.5s .5s ease-out both; }
@keyframes conf { 0% { opacity: 1; transform: translate(0,0) rotate(0); } 100% { opacity: 0; transform: translate(var(--x), var(--y)) rotate(var(--r)); } }

/* Step label under the phone */
.ph-steps {
  position: absolute; z-index: 2; left: 0; right: 0; bottom: 3.4cqw;
  display: flex; flex-direction: column; align-items: center; gap: .9cqw; pointer-events: none;
}
.ph-steps .lbl { font-size: 3.1cqw; font-weight: 700; color: var(--navy-900); background: rgba(255,255,255,.92); border: 1px solid var(--line-soft); border-radius: 99em; padding: 1.2cqw 3.4cqw; box-shadow: var(--shadow-sm); transition: opacity .3s; white-space: nowrap; }
.ph-steps .lbl b { color: var(--orange-700); margin-right: .4em; }
.ph-steps .dots { display: flex; gap: 1.2cqw; margin-top: 2.2cqw; }
.ph-steps .dots i { width: 1.5cqw; height: 1.5cqw; border-radius: 99em; background: rgba(15,28,46,.18); transition: all .35s; }
.ph-steps .dots i.on { width: 4.4cqw; background: var(--orange-600); }
.phone-stage { padding-bottom: 9cqw; }
.phone-stage .phone { margin-top: -4cqw; }
.phone-stage .hero-badge { z-index: 3; max-width: 31cqw; padding: 2.4cqw 2.8cqw; border-radius: 3.4cqw; gap: 2cqw; font-size: 2.9cqw; line-height: 1.25; align-items: flex-start; }
.phone-stage .hero-badge svg { width: 4.6cqw; height: 4.6cqw; flex: none; }
.phone-stage .hero-badge .dot { margin-top: 1.1cqw; flex: none; }
.phone-stage .hero-badge .small { font-size: 2.3cqw; line-height: 1.3; margin-top: .4cqw; }
.phone-stage .hero-badge.top-left { top: 7cqw; left: -3cqw; }
.phone-stage .hero-badge.bottom-right { bottom: 26cqw; right: -3cqw; }
@media (max-width: 960px) {
  .phone-stage { max-width: 420px; margin: 0 auto; }
}
/* Wide screens: the badges sit in the margin beside the phone, never over its screen. */
@media (min-width: 1200px) {
  .phone-stage .hero-badge { width: 35cqw; max-width: 35cqw; }
  .phone-stage .hero-badge.top-left { top: 20cqw; left: -17cqw; }
  .phone-stage .hero-badge.bottom-right { bottom: 30cqw; right: -17cqw; }
}
@media (max-width: 520px) {
  .phone-stage { aspect-ratio: 4 / 6.35; }
  .phone { --u: 3.5cqw; }
  .phone-stage .phone { margin-top: -2cqw; }
  .phone-stage .hero-badge .small { display: none; }
  .phone-stage .hero-badge { max-width: 27cqw; font-size: 3.3cqw; padding: 2cqw 2.6cqw; }
  .phone-stage .hero-badge.top-left { top: 2cqw; left: -2cqw; }
  .phone-stage .hero-badge.bottom-right { bottom: 17cqw; right: -2cqw; }
  .ph-steps .lbl { font-size: 3.6cqw; }
}
@media (prefers-reduced-motion: reduce) {
  .phone { animation: none; }
  .scr, .scr.on { transition: none; }
  .scr *, .scr.on * { animation: none !important; }
  .scr .digits span, .scr .otp-row span b, .scr .chk, .scr .chk .ok, .scr .aa-done, .scr.s5 .offer, .scr.s7 .big, .scr.s7 p, .scr.s7 .pill, .scr.s6 .on-badge { opacity: 1 !important; transform: none !important; }
  .s7 .ok-ring .bg { transform: scale(1); }
  .s7 .ok-ring .tick { stroke-dashoffset: 0; }
  .s7 .confetti { display: none; }
  .chk .spin { display: none; }
  .s6 .toggle { background: var(--green-600); } .s6 .toggle::after { left: 1.55em; }
}

/* ---------- 2. Credibility logo marquee ---------- */
.stats-strip { padding-bottom: 0; }
.trust-marquee { margin-top: 32px; padding: 26px 0 30px; overflow: hidden; border-top: 1px solid rgba(251,246,239,.12); }
.hero-reg-note { position: relative; z-index: 4; align-self: stretch; display: block; margin: 0 0 44px !important; max-width: none; text-align: center; text-wrap: balance; font-size: .82rem; font-weight: 600; line-height: 1.45; letter-spacing: .01em; color: var(--navy-600); background: none; border: 0; border-radius: 0; padding: 0; }
.tm-item.rbi { filter: none; opacity: .85; }
.hero-reg-note svg { display: inline-block; vertical-align: -3px; margin-right: 6px; color: var(--green-600); }
@media (max-width: 600px) { .hero-reg-note { font-size: .76rem; margin-bottom: 30px !important; padding: 0 8px; } }
.tm-viewport { position: relative; overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 10%, #000 90%, transparent 100%); mask-image: linear-gradient(90deg, transparent 0, #000 10%, #000 90%, transparent 100%); }
.tm-track { display: flex; width: max-content; animation: tm-scroll 46s linear infinite; will-change: transform; }
.tm-viewport:hover .tm-track, .tm-viewport:focus-within .tm-track { animation-play-state: paused; }
.tm-group { display: flex; align-items: center; flex: none; }
.tm-item {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  height: 52px; margin: 0 28px; flex: none;
  filter: brightness(0) invert(1); opacity: .7; transition: filter .25s, opacity .25s, transform .25s;
}
.tm-item:hover { opacity: 1; transform: scale(1.04); }
.tm-item img { height: 100%; width: auto; max-width: 190px; object-fit: contain; display: block; }
.tm-item.sm img { height: 34px; }
.tm-item.rbi img { width: 40px; height: 40px; border-radius: 50%; background: #fff; }
.tm-item .tm-txt { font-size: .74rem; font-weight: 700; line-height: 1.25; color: rgba(251,246,239,.85); max-width: 110px; }
.tm-item .tm-txt small { display: block; font-weight: 500; color: rgba(251,246,239,.6); font-size: .92em; }
.tm-word { font-family: 'Plus Jakarta Sans', system-ui, sans-serif; font-weight: 800; font-size: 1.5rem; letter-spacing: -.03em; color: rgba(251,246,239,.9); line-height: 1; display: flex; align-items: baseline; gap: 6px; white-space: nowrap; }
.tm-word em { font-style: italic; color: rgba(251,246,239,.9); }
.tm-word span { font-size: .62em; font-weight: 700; letter-spacing: .02em; color: var(--orange-300); }
.tm-collocate .tm-mark { width: 38px; height: 38px; border-radius: 10px; background: rgba(251,246,239,.14); border: 1px solid rgba(251,246,239,.3); color: #fff; font-family: 'Fraunces', serif; font-weight: 600; font-size: 21px; display: grid; place-items: center; flex: none; }
.tm-collocate .tm-txt { max-width: none; font-size: .8rem; }
.tm-collocate .tm-txt b { display: block; font-size: 1.02em; }
@keyframes tm-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (max-width: 600px) {
  .tm-item { margin: 0 20px; height: 44px; }
  .tm-item.sm img { height: 28px; }
  .tm-word { font-size: 1.3rem; }
  .trust-marquee { margin-top: 26px; padding: 22px 0 24px; }
}
@media (prefers-reduced-motion: reduce) {
  .tm-viewport { -webkit-mask-image: none; mask-image: none; }
  .tm-track { animation: none; width: auto; flex-wrap: wrap; justify-content: center; }
  .tm-group { flex-wrap: wrap; justify-content: center; row-gap: 14px; padding: 0 14px; }
  .tm-group[aria-hidden="true"] { display: none; }
}

/* ---------- 3. Apply popup ---------- */
.ld-pop { position: fixed; inset: 0; z-index: 10050; display: none; align-items: center; justify-content: center; padding: 16px; background: rgba(15,28,46,.55); -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.ld-pop.open { display: flex; animation: pop-fade .3s ease both; }
@keyframes pop-fade { from { opacity: 0; } to { opacity: 1; } }
.ld-pop-card { position: relative; width: 100%; max-width: 430px; background: var(--paper); border-radius: 24px; padding: 30px 26px 22px; box-shadow: 0 30px 80px rgba(15,28,46,.4); overflow: hidden; animation: pop-up .45s cubic-bezier(.2,.9,.25,1.1) both; max-height: calc(100vh - 32px); overflow-y: auto; }
.ld-pop-card::before { content: ''; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: linear-gradient(90deg, var(--orange-300), var(--orange-600), var(--orange-500)); }
@keyframes pop-up { from { opacity: 0; transform: translateY(18px) scale(.97); } to { opacity: 1; transform: none; } }
.ld-pop-x { position: absolute; top: 12px; right: 12px; width: 38px; height: 38px; border: 0; border-radius: 50%; background: var(--cream-2); color: var(--navy-700); cursor: pointer; display: grid; place-items: center; }
.ld-pop-x:hover { background: var(--orange-100); color: var(--orange-700); }
.ld-pop-x:focus-visible, .ld-pop-card .btn:focus-visible { outline: 3px solid var(--orange-500); outline-offset: 2px; }
.ld-pop-x svg { width: 18px; height: 18px; }
.ld-pop-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--orange-700); background: var(--orange-50); padding: 6px 12px; border-radius: 99px; }
.ld-pop-card h2 { font-family: var(--font-display); font-size: clamp(1.55rem, 5.4vw, 1.95rem); line-height: 1.15; letter-spacing: -.02em; margin: 14px 0 8px; padding-right: 28px; color: var(--navy-900); }
.ld-pop-card h2 .accent { color: var(--orange-600); font-style: italic; }
.ld-pop-trust { font-size: .92rem; line-height: 1.55; color: var(--navy-500); margin: 0 0 16px; }
.ld-pop-card .phone-input { margin-bottom: 12px; }
.ld-pop-card .btn { width: 100%; justify-content: center; }
.ld-pop-fine { font-size: .74rem; line-height: 1.45; color: var(--navy-500); text-align: center; margin: 12px 0 0; }
.ld-pop-fine a { color: var(--orange-700); text-decoration: underline; }
.ld-pop-rbi { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: .78rem; color: var(--navy-700); margin-top: 12px; }
.ld-pop-rbi img { width: 24px; height: 24px; object-fit: contain; background: #fff; border-radius: 50%; }
@media (max-width: 520px) {
  .ld-pop { align-items: flex-end; padding: 0; }
  .ld-pop-card { max-width: none; border-radius: 24px 24px 0 0; padding: 28px 20px calc(20px + env(safe-area-inset-bottom)); animation-name: pop-sheet; }
  @keyframes pop-sheet { from { transform: translateY(100%); } to { transform: none; } }
}
@media (prefers-reduced-motion: reduce) { .ld-pop.open, .ld-pop-card { animation: none; } }

/* ---------- Hero form: mobile number only ---------- */
.hero-form-card .hero-apply-row { display: flex; margin-top: 8px; }

/* merged stats + logo band on phones */
@media (max-width: 480px) {
  .stats-strip .stat-num { font-size: 1.45rem; white-space: nowrap; }
  .stats-strip .stats-grid { gap: 26px 12px; }
}

/* ---------- Hero card: "Get the LoanDidi app" (QR on desktop, button on phones) ---------- */
.hero-app-row { display: flex; align-items: center; gap: 14px; margin-top: 14px; padding-top: 14px; border-top: 1px dashed rgba(15,28,46,0.16); }
.hero-app-qr { flex: 0 0 auto; display: block; width: 84px; height: 84px; padding: 4px; background: #fff; border: 1px solid rgba(15,28,46,0.12); border-radius: 12px; box-shadow: 0 2px 8px rgba(15,28,46,0.06); }
.hero-app-qr img { display: block; width: 100%; height: 100%; }
.hero-app-text { flex: 1 1 auto; min-width: 0; text-align: left; }
.hero-app-title { font-weight: 700; font-size: 0.95rem; color: var(--navy-900, #0f1c2e); line-height: 1.25; }
.hero-app-scan { font-size: 0.8rem; color: var(--orange-700, #b85a14); font-weight: 600; margin-top: 2px; }
.hero-app-hints { display: flex; flex-direction: column; gap: 1px; margin-top: 5px; font-size: 0.75rem; color: var(--navy-500, #3d5169); line-height: 1.35; }
.hero-app-btn { display: none; flex: 0 0 auto; align-items: center; justify-content: center; padding: 10px 16px; border-radius: 999px; background: var(--orange-700, #b85a14); color: #fff; font-weight: 700; font-size: 0.88rem; text-decoration: none; white-space: nowrap; }
/* A phone cannot scan its own screen: swap the QR for a button. */
@media (pointer: coarse), (max-width: 640px) {
  .hero-app-qr { display: none; }
  .hero-app-btn { display: inline-flex; }
  .hero-app-scan { display: none; }
}